華盛頓州止贖公平計劃

The Foreclosure Fairness Program provides homeowner foreclosure assistance by offering free housing counseling, civil legal aid, and foreclosure mediation.喪失抵押品贖回權的公平計劃通過提供免費的房屋諮詢,民事法律援助和喪失抵押品贖回權的調解,為房主提供贖回權的協助。 The program, created by the 2011該程序,由XNUMX年創建 止贖公平法,幫助房主和貸方探索止贖的替代方案,並在可能的情況下達成解決方案。 該法 要求放款人在開始取消抵押品贖回權之前,通知房主有關喪失抵押品贖回權諮詢的可能性和調解的可能性,並與被轉介給房主的房主一起參與調解。 調解程序。 The program is funded through fees paid by financial institutions recording notices of trustee sale on owner-occupied residential real property in Washington state (some financial institutions are exempt from this fee).該計劃由金融機構支付的費用資助,該費用記錄了華盛頓州自用住宅房地產的受託人出售通知(某些金融機構免收此費用)。

房主援助基金

 美國救援計劃法 (ARPA) 於 2021 年 173 月由國會通過,為華盛頓提供 21 億美元,以防止抵押貸款拖欠和違約、止贖、公用事業或家庭能源服務的損失以及在 2020 年 2021 月 XNUMX 日之後遇到困難的房主流離失所。在 XNUMX 年立法會議期間,立法機關授權商務部使用這些資金。 在此處了解有關該計劃的更多信息。 

華盛頓的止贖程序是什麼?

Washington is a “non-judicial foreclosure” state, meaning that a lender can foreclose on a property through a third party, the trustee, and not through the court system.華盛頓是一個“非司法喪失抵押品贖回權的州”,這意味著放貸人可以通過第三方(受託人)而不是通過法院系統對財產進行贖回。 The trustee has a duty of good faith towards both the lender and the homeowner.受託人對貸方和房主都有誠信義務。 This non-judicial process is described in the該非司法程序在 止贖公平計劃手冊.

The Seattle University School of Law, in collaboration with the City of Seattle, produced an educational video that further explains the non-judicial foreclosure process and shows why it is important for homeowners to seek help as soon as possible.

點這裡 西班牙語版本。

房主如何獲得幫助?

請隨時致電1-877-894-HOME(4663)與免費的房屋顧問聯繫。
Foreclosure prevention counseling is provided free of charge to Washington homeowners. Counselors are trained to help homeowners understand their options and determine the best course of action, including referring them to the Mediation Program if they are eligible for mediation.

中低收入房主還可以通過以下方式聯繫全州的民事法律援助計劃:
1-800-606-4819 或訪問 www.nwjustice.org/get-legal-help.

喪失抵押品贖回權的調解是一個中立的第三方(“調解人”)幫助房主(“借款人”)和貸方(“受益人”)進行公開交流並在可能的情況下達成公平,自願和談判達成的協議的過程。 房主和貸方分別支付一半的調解費,以準備,安排和進行調解會議。 如果需要多個會議,則可能需要支付額外費用。

Homeowners may be eligible for mediation if they received a Notice of Default from their lender and lived in the home when the foreclosure process started. The referral to mediation must be submitted to the Department of Commerce after a Notice of Default has been issued and no later than 20 days after the date the Notice of Trustee Sale has been recorded at the county where the property is located. Some lenders are 免於調解。 查看 資格標準 了解詳細信息。

Homeowners cannot self-refer to the Mediation Program. Homeowners can ONLY be referred to foreclosure mediation by a housing counselor or an attorney. The counselor or attorney will make an eligibility determination and may refer the homeowner to the Department of Commerce (Commerce) for foreclosure mediation. Eligible homeowners will be assigned a mediator (by Commerce) to conduct the foreclosure mediation process established in 法令. Although not required, homeowners may benefit from a counselor or attorney assisting/representing them during the mediation process and session(s). At least one attorney typically represents the lender. 請隨時致電1-877-894-HOME(4663)與免費的房屋顧問聯繫。

After the mediation, the mediator will send a written report (the “certification”) to the homeowner, lender, trustee, and Department of Commerce. Once the mediator issues and sends their certification, the foreclosure mediation process is complete. If the borrower and the lender do not reach an agreement, the mediator’s certification authorizes the beneficiary to move forward with the foreclosure process, which may include selling the property at a trustee sale (see RCW 61.24.163(13))。 Borrowers may have a few options to consider.借款人可能有一些選擇要考慮。 For more information, read有關更多信息,請閱讀 “調解後的借款人選項”。

提交止贖公平成功案例

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