Know Your Rights


Foreclosure Fairness Act

RightsThe Foreclosure Fairness Act (FFA) governs the foreclosure process in Washington State and went into effect in July of 2011.  The FFA lays out the timeline and responsibilities of both banks* and homeowners in relation to the foreclosure process.  There is a set timeline with notices that banks* must follow before a home can be foreclosed on.  Banks are required to send three notices in this order; Notice of Pre-Foreclosure Options, Notice of Default and Notice of Trustee Sale.  When a homeowner responds to these notices, in a timely manner, there can be additional time that is afforded to reach a workout with the bank*.   As a result of the passage of the FFA homeowners now have the right to mediation (only a Housing Counselor or an attorney can request mediation on behalf of the borrower).  Mediation is a homeowner’s ability to meet with a “decision maker” from the bank with a natural third party present (mediator) in an attempt to clarify documentation, program guidelines, and avoid “unnecessary foreclosure.”  The Foreclosure Fairness Act is powerful legislation only if a homeowner utilizes the rights that it provides.

The Washington Homeownership Center highly recommends that homeowners in Washington State that are facing foreclosure contact the WHRC to be connected to a HUD-Certified Housing Counselor immediately to reserve these rights.  

Contact us today!  

For More Information on how to identify and respond to Notices:
Notice of Pre-Foreclosure Options
Notice of Default
Notice of Trustee Sale

Click to read the full Foreclosure Fairness Act

Click to read the full bill passed by the Washington State Legislature:
Amended June 7, 2012
Enacted July 22, 2011




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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.