Mortgages

WA Homeowner Help : Layoffs & Shutdown (Posted 10/30/2025)

Homeownership Hotline (WHRC): 877‑894‑4663 free HUD‑certified counseling, foreclosure prevention, and referrals. (HAF portal closed to new apps Apr 7, 2025, but counselors still help.)

homeownership-wa.org

Talk to your mortgage servicer: Ask for “hardship forbearance” or a loan modification, don’t wait.

https://www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/

https://www.consumerfinance.gov/ask-cfpb/what-is-mortgage-forbearance-en-289/

Foreclosure Fairness Program (WA Commerce): Free counseling, civil legal aid, and state‑run mediation if you received a Notice of Default (referral required).

https://www.commerce.wa.gov/homeownership/foreclosure-fairness/

Free legal help: Northwest Justice Project Foreclosure Prevention Unit 1‑800‑606‑4819; self‑help at Washington LawHelp.

https://www.washingtonlawhelp.org/en/foreclosure

Property tax relief: Check limited‑income and senior/disabled deferrals/exemptions (DOR) and ask your county about payment plans.

https://dor.wa.gov/taxes-rates/property-tax/property-tax-exemptions-and-deferrals

Avoid scams: Help is free—don’t pay upfront fees. When in doubt, call the Hotline or see DFI’s guidance.

1-877-746-4334

https://dfi.wa.gov/contact-us