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Find similar grantsForeclosure Fairness Program is sponsored by Washington State Department of Commerce. Offers free housing counseling, civil legal aid, and foreclosure mediation to homeowners facing foreclosure, aiming to explore alternatives to foreclosure.
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Foreclosure Fairness Program – Washington State Department of Commerce Shared Standards Initiative 简体中文 ( Chinese (Simplified) ) 繁體中文 ( Chinese (Traditional) ) Tiếng Việt ( Vietnamese ) Foreclosure Fairness Program The Foreclosure Fairness Program provides homeowner foreclosure assistance through free housing counseling, civil legal aid, and foreclosure mediation.
The program, created by the 2011 Foreclosure Fairness Act , helps homeowners and lenders explore possible alternatives to foreclosure and reach a resolution whenever possible. Before initiating foreclosure, the Act requires lenders to notify homeowners of the availability of foreclosure counseling and the potential for mediation and to participate in mediation with homeowners referred to the Mediation Program .
The program is funded through fees paid by financial institutions issuing notices of default on residential real property in Washington (some financial institutions are exempt from this fee). What is the foreclosure process in Washington? Washington is a “non-judicial foreclosure” state, meaning a lender can foreclose on a property through a third party, the trustee, and not the court system.
However, the trustee has a duty of good faith towards both the lender and the homeowner. How can homeowners get help? Contact a FREE housing counselor ANYTIME at 1-877-894-HOME(4663).
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. Low and moderate-income homeowners can also contact the statewide civil legal aid program at 1-800-606-4819 or visit www.
nwjustice. org/get-legal-help . Frequently asked questions What is Foreclosure Mediation?
Foreclosure mediation is a process where a neutral third party (the “mediator”) helps the homeowner (the “borrower”) and the lender (the “beneficiary”) openly communicate and reach a fair, voluntary, and negotiated agreement whenever possible. The homeowner and the lender each pay half of the mediation fee to prepare, schedule, and conduct a mediation session. If more than one session is necessary, additional fees may apply.
Who is eligible to participate in the Mediation Program? Homeowners may be eligible for mediation if they received a Notice of Default from their lender. The referral to mediation must be submitted to the Department of Commerce after a Notice of Default has been issued and no later than 90 days before the date of sale listed in the Notice of Trustee Sale.
If an amended Notice of Trustee Sale is recorded, and the borrower has not yet requested mediation for their current Notice of Default, mediation must be requested no later than 25 days before the date of sale listed in the amended Notice of Trustee Sale. Some lenders are exempt from participating in meditation. How is mediation requested?
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 determine eligibility 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 statute . 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.
Contact a FREE housing counselor ANYTIME at 1-877-894-HOME(4663). What happens if there is no agreement after mediation? 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. For more information, read “Borrower Options After Mediation.
” Foreclosure Prevention Fee Foreclosure Prevention Fee Guidance (PDF) Foreclosure Prevention Fee Disclosure (PDF) Remittance Instructions – Foreclosure Prevention Fee (PDF) Electronic Funds Transfer Instructions (PDF) Individualized Agreement Application – Foreclosure Prevention Fee (Word) Individualized Agreement Report – Foreclosure Prevention Fee Frequently Asked Questions (FAQ) – Foreclosure Prevention Fee (PDF) Foreclosure Prevention Fee Guidance – Grace Period (PDF) Learn about the foreclosure process in Washington State English (YouTube) Learn about the foreclosure process in Washington State Spanish (YouTube) Find a housing counselor in your area Find a HUD-approved housing counselor File a complaint about a housing counselor Read the Foreclosure Fairness Act (Deed of Trust Act) Learn about foreclosure assistance programs Find out what to do if you are late or can’t make payments Get foreclosure and mortgage assistance, and fraud information Report scams and mortgage fraud Learn about mortgage and Foreclosure Scams Read the Department of Financial Institutions’ Guide to Home Loans (PDF) File a consumer complaint with the Office of the Attorney General Read the Washington Foreclosure Prevention Resource Guide (PDF) Foreclosure Fairness Program Informational Tri-Fold Foreclosure Mediation Program – Association Foreclosures (PDF) Meet-and-Confer Session – Association Foreclosures (PDF) Housing Counseling Program – Association Foreclosures (PDF) Foreclosure Mediation Program – Association Foreclosures (PDF) Meet-and-Confer Session – Association Foreclosures (PDF) Housing Counseling Program – Association Foreclosures (PDF) Notice of Delinquency Template (RCW 64.
34. 364) – English Notice of Delinquency Template (RCW 64. 32.
200) – English Notice of Delinquency Template (RCW 64. 38. 100) – English Notice of Delinquency Template (RCW 64.
90. 485) – English Notice of Delinquency Template (RCW 64. 90.
485) – Spanish Notice of Delinquency Template (RCW 64. 32. 200) – Spanish Notice of Delinquency Template (RCW 64.
38. 100) – Spanish Notice of Delinquency Template (RCW 64. 34.
364) – Spanish Mediation Report/Certification Form (PDF) Mediation Report/Certification Form – Association Foreclosure (Word) Mediation Scheduling Form (Word) RCW 61. 24.
163 – Foreclosure Mediation Program Mediator Application (Word) Referral to Mediation Form and Instructions (Word) Referral to Mediation Form and Instructions – Association Foreclosures (Word) Financial Institutions Exempt from Mediation (PDF) Northwest Justice Project’s Best Practices for Representing Borrowers in Foreclosure Mediation (PDF) Electronic Funds Transfer Instructions Reverse Mortgage Notice of Pre-Foreclosure Options Template – English (Word) Reverse Mortgage Notice of Pre-Foreclosure Options – Spanish (Word) Exemption from Fees Template (Word) Exemption from Mediation Template (Word) Exemption from Fees and Mediation Template (Word) Financial Institutions Exempt from FEES (PDF) Beneficiary Reporting Form and Instructions (Word) Notice of Pre-Foreclosure Options Template (Word) Foreclosure Notice Contact Information (PDF) Program Performance and Updates 2025 Foreclosure Fairness Account Revenue Report (PDF) 2025 Foreclosure Fairness Program Report (PDF) 2023 and 2024 Foreclosure Fairness Program Report (PDF) 2022 Foreclosure Fairness Program Report (PDF) 2021 Foreclosure Fairness Program Report (PDF) FFP Quarterly Report (PDF) Archived Quarterly Reports Program Guidelines and Processes Foreclosure Mediation Timeline (PDF) Borrower Options After Mediation (PDF) Mediator Complaint Form (Word) Housing Counselor Complaint Form
According to the current listing, eligibility includes: Homeowners in Washington State facing foreclosure. Confirm the full requirements in the official notice before applying.
Foreclosure Fairness Program is funded by Washington State Department of Commerce. Verify program details on the funder's official page before applying.
This opportunity targets applicants in Washington. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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