What is Mediation?

Mediation is an opportunity for homeowners and their bank* to meet in-person to review paperwork and discuss alternatives to foreclosure.

A mediator will provide a neutral setting and will ensure that all parties "act in good faith" in accordance with Washington State Law.


Why Mediation?

Mediation provides a forum in which a homeowner has the opportunity to speak directly with the bank’s1 "decision maker."


When Can Mediation Be Requested?

The referral to mediation may be made any time after:

  • Notice of Default has been issued and
  • No later than twenty days after the date a Notice of Trustee Sale has been recorded.

Mediation is not available in all cases or occupancy/property types.

Contact a Housing Counselor or an Attorney to determine if you are eligible.


How Much Does It Cost?

The fee for the homeowner is $300 paid to the mediator and $300 paid by the bank.1

There may be additional fees for second sessions or rescheduling.


Who Can Request Mediation?

A borrower may only be referred to mediation by a Housing Counselor or an Attorney.

Call immediately for a referral to a housing counselor:

  • Washington Homeownership Resource Center


Are There Required Documents?

Yes, there are specific documents that must be provided by the homeowner for mediation no later than 23 days from referral to mediation. Work with your Housing Counselor early to prepare and deliver the required documents. The bank* is required to provide documentation within 20 days of receiving the borrower documents.

Be prepared to provide updated documents every 30 days to the bank1.


Where Is Mediation Held?

Mediation is held in the county in which the property is located, unless otherwise agreed by all parties.


When will Mediation Take Place?

Mediation must occur within 70 days unless both parties agree to extend.


Who Attends Mediation?

Typical mediation attendees include:

  • All Borrowers on the Mortgage
  • Representative for Borrower
  • Mediator (Neutral 3rd Party)
  • Legal Representative for the bank*
  • A Decision Maker for the bank*


What is the goal of Mediation?

Mediation provides an opportunity to avoid an unnecessary foreclosure and discuss retention and non-retention options.

Mediation does not guarantee a loan modification.


What Happens after Mediation?

The Mediation outcome will determine what happens next:

  • Trial/Permanent Modification
  • Additional Mediation sessions
  • Resubmission of documents
  • Conclusion without agreement
  • Litigation

Continue to work with your Housing Counselor or Attorney.




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There are no words to say how much you did for us and how much you helped us, you basically saved us.
B. A.
Thank you for taking the time to talk to me and put my heart at rest! I look forward to working with you to stay in our home.  I have an appointment with a housing counselor your referred us to and I will give you an update once that occurs.  Again, it meant so very much to me that you took the time to give me hope.
A. F.
I want to say a huge thank you.  It feels a million times better knowing where we will be living, that we don't have to move, and I can actually afford to live here.  My life is no longer on hold, and we have been able to make plans for the first time in ages. There is no more black cloud of uncertainty hanging over my head always, waiting for the bank to dictate so much of my life. Thank you, thank you, thank you!
C. K.