If you own a home in Washington State and need help with your mortgage, you may want to visit Washington Homeownership Resource Center or call 1-877-894-HOME (4663) to speak to a housing counselor — this service is free and confidential.
You may be able to avoid foreclosure if you take action before it’s too late. The Washington State Department of Financial Institutions also maintains a list of current mortgage assistance and foreclosure prevention resources.
As a mortgage advisor, I don’t handle loan modifications directly — that’s outside what I do. I can help with refinance options, but when a homeowner can’t qualify for a refinance and is facing financial difficulty, the housing counselors above are genuinely the right resource. They can walk through your specific situation and help you understand your options.
One important note: help through the hotline and the resources above is always free. If anyone contacts you offering to “help” with your mortgage for an upfront fee, that’s probably a scam — please don’t pay anyone for this kind of assistance.
If you do end up going the short sale or foreclosure route and want to understand what buying again looks like down the road, I’ve written about wait periods by loan type and what to do while you’re waiting — whenever you’re ready for that.
If you have questions or just want to talk through your options, I’m happy to help.
