Stop foreclosure in Washington.

How foreclosure works in Washington

• Washington's Foreclosure Fairness Act gives owner-occupants a right to mediation before sale
• A pre-foreclosure options notice must precede the Notice of Default by 30 days
• Sales require 120 days' notice; you can cure until 11 days before the sale

Redemption & second chances

None after a trustee sale.

What this means for you

Washington layered real protections onto its trustee-sale process: options notices, referral-triggered mediation, and long cure rights. With Seattle-corridor equity on the line, invoking mediation with a complete package is frequently the move that converts a sale date into a signed workout.

Your options in Washington

Every tool in the national playbook works in Washington — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short