{"id":84,"date":"2021-08-02T11:17:22","date_gmt":"2021-08-02T18:17:22","guid":{"rendered":"https:\/\/washingtonhome.wpengine.com\/?page_id=84"},"modified":"2026-05-14T13:07:45","modified_gmt":"2026-05-14T20:07:45","slug":"foreclosure-prevention","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/ne\/for-homeowners\/foreclosure-prevention\/","title":{"rendered":"\u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-1b1d1f-bg row-container with-parallax\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2021\/01\/washington-urban.jpg);background-repeat: no-repeat;background-position: center center;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-733979-bg\" style=\"opacity: 0.75;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row double-top-padding triple-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:80%;\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" style=\" max-width:768px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"font-635512 h5 fontspace-562271 font-weight-500 text-uppercase\" ><span>\u0918\u0930\u0927\u0928\u0940\u0939\u0930\u0942\u0915\u094b \u0932\u093e\u0917\u093f<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"font-635512 h1 fontspace-994669 font-weight-600\" ><span>\u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e<\/span><\/h2><div class=\"text-lead\"><p>Are you facing foreclosure? Washington Homeownership Resource Center operates Washington\u2019s official homeownership hotline and is here to guide you through this difficult time.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-no-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding style-color-ffffff-bg  unradius-hg\" ><div class=\"uncont\" style=\" max-width:95%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"font-635512 h4 fontheight-506459 font-weight-600 text-accent-color\" ><span>\u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092d\u093e\u0930\u0940 \u0939\u0941\u0928 \u0938\u0915\u094d\u091b, \u0924\u0930 \u0924\u092a\u093e\u0907\u0901 \u090f\u0915\u094d\u0932\u0948 \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u094d\u0928\u0964 \u0924\u094d\u092f\u0939\u093e\u0901 \u0915\u0926\u092e\u0939\u0930\u0941 \u091b\u0928\u094d \u0915\u093f \u0924\u092a\u093e\u0907\u0901 \u0906\u091c \u0932\u093f\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b \u0915\u093f \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b \u0930 \u0924\u092a\u093e\u0907\u0901 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0918\u0930 \u0930\u093e\u0916\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u093f\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>The Washington Homeownership Resource Center (WHRC) is committed to supporting homeowners during this challenging time by helping you understand your rights, access resources and tools, and connect with advocates that provide hands-on help. Foreclosure prevention help is free when it\u2019s about the home you live in. There can be a fee for foreclosure help on investment or vacation homes.<\/p>\n<\/div><div class=\"uncode_text_column\" ><p>In Washington state, homeowners have rights through the Foreclosure Fairness Act (FFA) and other related legislation which expands the state\u2019s Foreclosure Mediation Program to include condominium and homeowners&#8217; association (HOA\/COA) unit owners who are delinquent or may become delinquent on association assessments. Watch this short video to learn more about the foreclosure process and how the FFA protects you. If you are facing mortgage, property tax, or HOA foreclosure, we are here to help. Call our toll-free Hotline at 877-894-4663.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"h3 fluid-object\" style=\"padding-top: 56.25%\"><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/8krPsUYjE_M?si=UJmVmTSeN9IO58om\" title=\"\u092f\u0941\u091f\u094d\u092f\u0941\u092c \u092d\u093f\u0921\u093f\u092f\u094b \u092a\u094d\u0932\u0947\u092f\u0930\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"h3 fluid-object\" style=\"padding-top: 56.25%\"><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/YiH_9QudVus?si=T2lKu1Uo-lFqamHI\" title=\"\u092f\u0941\u091f\u094d\u092f\u0941\u092c \u092d\u093f\u0921\u093f\u092f\u094b \u092a\u094d\u0932\u0947\u092f\u0930\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container onepage-section\" data-label=\"foreclosure-pamphlets\" data-name=\"foreclosure-pamphlets\" id=\"row-unique-2\"><div class=\"row unequal col-half-gutter double-top-padding single-bottom-padding single-h-padding full-width row-parent\" data-height-ratio=\"30\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 94%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.6%;\"><\/div><img decoding=\"async\" class=\"wp-image-954\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-comp-full-uai-1400x933.png\" width=\"1400\" height=\"933\" alt=\"Decorative\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" style=\" max-width:84%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2 text-color-733979-color\" ><span>\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e \u092a\u0930\u094d\u091a\u093e<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>\u0930\u093e\u091c\u094d\u092f\u0935\u094d\u092f\u093e\u092a\u0940 \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u0928\u0947\u091f\u0935\u0930\u094d\u0915\u092e\u093e \u0939\u093e\u092e\u094d\u0930\u093e \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0939\u0930\u0942\u0938\u0901\u0917 \u092e\u093f\u0932\u0947\u0930, \u0939\u093e\u092e\u0940\u0932\u0947 \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f\u092e\u093e \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930\u092e\u093e \u092d\u0930\u092a\u0930\u094d\u0926\u094b \u0930 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091c\u093e\u0928\u0915\u093e\u0930\u0940\u0915\u094b \u0938\u093e\u0925 \u090f\u0909\u091f\u093e \u092a\u0930\u094d\u091a\u093e \u0938\u093f\u0930\u094d\u091c\u0928\u093e \u0917\u0930\u094d\u092f\u094c\u0902\u0964 \u092f\u0938\u0932\u0947 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u092e\u093e \u0915\u0939\u093e\u0901 \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u094d\u091b \u0930 \u0915\u0941\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0930 \u0938\u094d\u0930\u094b\u0924\u0939\u0930\u0942 \u0909\u092a\u0932\u092c\u094d\u0927 \u091b\u0928\u094d \u092d\u0928\u0947\u0930 \u092c\u0941\u091d\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0964<\/p>\n<\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-ENG-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u0905\u0902\u0917\u094d\u0930\u0947\u091c\u0940 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u0905\u0902\u0917\u094d\u0930\u0947\u091c\u0940 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-SPA-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u0938\u094d\u092a\u0947\u0928\u093f\u0936 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u0938\u094d\u092a\u0947\u0928\u093f\u0936 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-RUS-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u0930\u0942\u0938\u0940 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u0930\u0942\u0938\u0940 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-CNA-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u091a\u093f\u0928\u093f\u092f\u093e\u0901 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u091a\u093f\u0928\u093f\u092f\u093e\u0901 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_ukr-1.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u092f\u0941\u0915\u094d\u0930\u0947\u0928\u0940 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">UKRAINIAN \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_vie-V2.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u092d\u093f\u092f\u0924\u0928\u093e\u092e\u0940 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">VIETNAMESE \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_Tgl.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u0924\u093e\u0917\u093e\u0932\u094b\u0917 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">Tagalog \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-V2_ara.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u091a\u093f\u0928\u093f\u092f\u093e\u0901 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u0905\u0930\u092c\u0940 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024-Korean.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"\u0915\u094b\u0930\u093f\u092f\u093e\u0932\u0940 \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d - \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0930\u094b\u0915\u0925\u093e\u092e \u092c\u094d\u0930\u094b\u0936\u0930\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u0915\u094b\u0930\u093f\u092f\u093e\u0932\u0940 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row double-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:85%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontspace-177060 text-uppercase\" ><span>\u092c\u093e\u0930\u092e\u094d\u092c\u093e\u0930 \u0938\u094b\u0927\u093f\u0928\u0947 \u092a\u094d\u0930\u0936\u094d\u0928\u0939\u0930\u0942<\/span><\/h3><div><p>\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u092c\u093e\u0930\u0947 \u0925\u092a \u091c\u093e\u0928\u094d\u0928\u0915\u094b \u0932\u093e\u0917\u093f \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092a\u094d\u0930\u0936\u094d\u0928\u092e\u093e \u0915\u094d\u0932\u093f\u0915 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-accordion wpb_accordion wpb_content_element  sign-size-rg w-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"nope\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_1630064530\" data-no-toggle=\"\">\n\n<div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175727-1-48\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0905\u092c \u092e\u0947\u0930\u094b \u0927\u093f\u0924\u094b \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0926\u093f\u0928\u0964 \u092e \u0915\u0947 \u0906\u0936\u093e \u0917\u0930\u094d\u0928\u0941\u092a\u0930\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-1-48\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928\u092e\u093e \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u092b\u0947\u092f\u0930\u0928\u0947\u0938 \u090f\u0915\u094d\u091f (FFA) \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u093e\u0938\u093f\u0924 \u091b\u0964 \u092f\u0938 \u0910\u0928 \u0905\u0928\u094d\u0924\u0930\u094d\u0917\u0924, \u090b\u0923 \u0938\u0930\u094d\u092d\u0930\u0939\u0930\u0942\u0932\u0947 \u0918\u0930\u092e\u093e \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941 \u0905\u0918\u093f \u090f\u0915 \u0935\u093f\u0936\u0947\u0937 \u091f\u093e\u0907\u092e\u0932\u093e\u0907\u0928\u092e\u093e \u0918\u0930 \u092e\u093e\u0932\u093f\u0915\u0939\u0930\u0942\u0932\u093e\u0908 \u0924\u0940\u0928\u0935\u091f\u093e \u0938\u0942\u091a\u0928\u093e \u092a\u0920\u093e\u0909\u0928\u0941\u092a\u0930\u094d\u091b\u0964 \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0942 \u092a\u0942\u0930\u094d\u0935-\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0942\u0915\u094b \u0938\u0942\u091a\u0928\u093e, \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924\u0915\u094b \u0938\u0942\u091a\u0928\u093e, \u0930 \u091f\u094d\u0930\u0938\u094d\u091f\u0940\u0915\u094b \u092c\u093f\u0915\u094d\u0930\u0940\u0915\u094b \u0938\u0942\u091a\u0928\u093e \u0939\u0941\u0928\u094d\u0964 \u0918\u0930 \u092e\u093e\u0932\u093f\u0915\u0939\u0930\u0942\u0938\u0901\u0917 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u092e\u093e \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u093f\u0928\u094d\u0926\u0941\u0939\u0930\u0942\u092e\u093e \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0905\u0927\u093f\u0915\u093e\u0930\u0939\u0930\u0942 \u091b\u0928\u094d, \u0917\u0948\u0930-\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0942 \u091b\u0932\u092b\u0932 \u0917\u0930\u094d\u0928 \u0909\u0928\u0940\u0939\u0930\u0942\u0915\u094b \u090b\u0923 \u0938\u0930\u094d\u092d\u0930\u0938\u0901\u0917 \u092d\u0947\u091f\u094d\u0928\u0947 \u0905\u0927\u093f\u0915\u093e\u0930 \u0930 \u0909\u0928\u0940\u0939\u0930\u0942\u0915\u094b \u090b\u0923 \u0938\u0930\u094d\u092d\u0930\u0938\u0901\u0917 \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u0917\u0930\u094d\u0928\u0947 \u0905\u0927\u093f\u0915\u093e\u0930 \u0938\u0939\u093f\u0924\u0964 WHRC \u0915\u094b \u0918\u0930\u092e\u093e\u0932\u093f\u0915\u0924\u093e \u0939\u091f\u0932\u093e\u0907\u0928\u0932\u0947 \u0924\u092a\u093e\u0908\u0932\u093e\u0908 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u092e\u093e \u0915\u0939\u093e\u0901 \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u094d\u091b \u0930 \u0924\u092a\u093e\u0908\u0932\u093e\u0908 \u0915\u0941\u0928 \u0905\u0927\u093f\u0915\u093e\u0930\u0939\u0930\u0942 \u0909\u092a\u0932\u092c\u094d\u0927 \u091b\u0928\u094d \u092d\u0928\u0947\u0930 \u092c\u0941\u091d\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0964 \u090f\u0915 HUD-\u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0935\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0939\u093e\u092f\u0924\u093e \u0935\u0915\u0940\u0932\u0932\u0947 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0906\u092b\u094d\u0928\u094b \u0905\u0927\u093f\u0915\u093e\u0930 \u092a\u094d\u0930\u092f\u094b\u0917 \u0917\u0930\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175727-2-63\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 Homeownership \u0938\u0902\u0938\u093e\u0927\u0928 \u0915\u0947\u0928\u094d\u0926\u094d\u0930 \u0915\u094b \u0938\u0947\u0935\u093e \u0917\u0930\u094d\u0926\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-2-63\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 Homeownership \u0938\u0902\u0938\u093e\u0927\u0928 \u0915\u0947\u0928\u094d\u0926\u094d\u0930 (WHRC) \u0938\u0947\u0935\u093e\u0939\u0930\u0941 \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f \u092e\u093e \u0915\u0941\u0928\u0948 \u092a\u0928\u0940 \u0918\u0930 \u092e\u093e\u0932\u093f\u0915 \u0915\u094b \u0932\u093e\u0917\u0940 \u0928\u093f: \u0936\u0941\u0932\u094d\u0915 \u0909\u092a\u0932\u092c\u094d\u0927 \u091b \u0909\u0928\u0940\u0939\u0930\u0941\u0915\u094b \u092c\u0902\u0927\u0915, \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u0915\u0930, \u0935\u093e HOA \u092c\u0915\u093e\u092f\u093e \u0938\u0902\u0917 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0915\u094b \u0916\u0924\u0930\u093e \u092e\u093e\u0964 \u0939\u093e\u092e\u0940 \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f \u0915\u094b \u092c\u093e\u0938\u093f\u0928\u094d\u0926\u093e\u0939\u0930\u0941 \u0932\u093e\u0908 \u091c\u094b \u0918\u0930 \u0916\u0930\u0940\u0926, \u092a\u0941\u0928\u0930\u094d\u0935\u093f\u0924\u094d\u0924, \u0930\u093f\u0935\u0930\u094d\u0938 \u092c\u0902\u0927\u0915, \u0935\u093e \u092e\u0930\u092e\u094d\u092e\u0924 \u0938\u0939\u093e\u092f\u0924\u093e \u0938\u0902\u0917 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u092a\u094d\u0930\u0936\u094d\u0928\u0939\u0930\u0941 \u0932\u093e\u0908 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0926\u091b\u094c\u0902\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175858251-2-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>WHRC \u0932\u093e\u0908 \u092e\u0947\u0930\u094b \u0932\u093e\u0917\u0940 \u0915\u0947 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1609175858251-2-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u091c\u092c \u0924\u092a\u093e\u0907\u0901 WHRC \u0932\u093e\u0908 \u0915\u0932 \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0938\u0942\u091a\u0928\u093e \u0930 \u0938\u0928\u094d\u0926\u0930\u094d\u092d \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0932\u0947 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e \u0930 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0927\u093f\u0924\u094b, \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u0915\u0930, \u0930\/\u0935\u093e HOA \u092c\u0915\u094d\u092f\u094c\u0924\u093e \u092c\u093e\u0930\u0947 \u092a\u094d\u0930\u0936\u094d\u0928\u0939\u0930\u0942 \u0938\u094b\u0927\u094d\u0928\u0947\u091b\u0964 \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u0938\u094d\u0925\u093e\u0928 \u0930 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0939\u0930\u0942\u0915\u094b \u0906\u0927\u093e\u0930\u092e\u093e, \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0932\u0947 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u092a\u0930\u093e\u092e\u0930\u094d\u0936, \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0939\u093e\u092f\u0924\u093e, \u0930\/\u0935\u093e \u0938\u0930\u0915\u093e\u0930\u0940 \u0928\u093f\u0915\u093e\u092f\u0939\u0930\u0942\u092e\u093e \u092a\u0920\u093e\u0909\u0928\u0947\u091b\u0928\u094d\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0906\u092b\u094d\u0928\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u092c\u093e\u091f \u0915\u0941\u0928\u0948 \u092b\u094c\u091c\u0926\u093e\u0930\u0940-\u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0942 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941\u092d\u090f\u0915\u094b \u091b \u092d\u0928\u0947, \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0932\u0947 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0915\u093e\u0930\u092c\u093e\u0939\u0940 \u0917\u0930\u094d\u0928 \u0930 \u0909\u091a\u093f\u0924 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0926\u093f\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928\u0947\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412296153-6-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0939\u0930\u0941 \u0915\u0947 \u0939\u0941\u0928\u094d \u0930 \u0909\u0928\u0940\u0939\u0930\u0941 \u0915\u0938\u0930\u0940 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u091b\u0928\u094d?<\/span><\/a><\/p><\/div><div data-id=\"1611412296153-6-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0906\u0935\u093e\u0938 \u0930 \u0936\u0939\u0930\u0940 \u0935\u093f\u0915\u093e\u0938 \u0935\u093f\u092d\u093e\u0917 (HUD) \u0918\u0930 \u092e\u093e\u0932\u093f\u0915\u0939\u0930\u0941\u0932\u093e\u0908 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u092c\u093e\u091f \u092c\u091a\u094d\u0928 \u0938\u0939\u092f\u094b\u0917 \u0917\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0926\u0947\u0936 \u092d\u0930 \u092e\u093e \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0939\u0930\u0941 \u0932\u093e\u0908 \u092a\u094d\u0930\u093e\u092f\u094b\u091c\u093f\u0924 \u0917\u0930\u094d\u0926\u091b\u0964 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0939\u0930\u0941 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0939\u0941\u0928\u094d \u091c\u094b \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092a\u0915\u094d\u0937 \u092e\u093e \u091b\u0928\u094d \u0930 \u091c\u094b \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u092e\u093e\u0927\u094d\u092f\u092e \u092c\u093e\u091f \u0924\u092a\u093e\u0907\u0901 \u0939\u093f\u0921\u094d\u0928\u0941 \u0939\u0941\u0928\u0947\u091b \u0930 \u0915\u0926\u092e\u0939\u0930\u0941 \u0924\u092a\u093e\u0907\u0901 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u091b\u0964 \u0915\u0947\u0939\u093f \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0939\u0930\u0941 \u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u091b \u0915\u093f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u092a\u0930\u093e\u092e\u0930\u094d\u0936\u0926\u093e\u0924\u093e \u0938\u0902\u0917 \u092c\u0948\u0920\u0915 \u0917\u0930\u094d\u0928\u0941 \u092d\u0928\u094d\u0926\u093e \u092a\u0939\u093f\u0932\u0947 \u090f\u0915 \u0915\u0915\u094d\u0937\u093e \u0932\u093f\u0928\u0941\u0939\u094b\u0938\u094d \u0930 \u0938\u092c\u0948 \u090f\u0915 \u0938\u0947\u0935\u0928 \u092a\u094d\u092f\u093e\u0915\u0947\u091f \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u091b\u0964 \u090f\u0915 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0918\u0930 \u0915\u094b \u092c\u091c\u0947\u091f \u0915\u094b \u0938\u092e\u0940\u0915\u094d\u0937\u093e, \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0938\u0902\u0915\u091f \u092c\u091c\u0947\u091f \u0915\u094b \u0935\u093f\u0915\u093e\u0938 \u092e\u093e \u092e\u0926\u094d\u0926\u0924, \u092f\u0926\u093f \u0906\u0935\u0936\u094d\u092f\u0915 \u091b, \u0930 \u0924\u092a\u093e\u0907\u0901 \u092c\u0941\u091d\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0941 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u092c\u093e\u091f \u092c\u091a\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0941\u0928 \u0938\u0915\u094d\u091b\u0964 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0924\u092a\u093e\u0907\u0901 \u0924\u092a\u093e\u0907\u0901\u0915\u094b loan\u0923 servicer \u0938\u0902\u0917 \u0915\u0941\u0930\u093e\u0915\u093e\u0928\u0940 \u0917\u0930\u094d\u0928 \u0930 \u090f\u0915 and\u0923 \u092a\u0930\u093f\u092e\u093e\u0930\u094d\u091c\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u090f\u0915 \u092a\u0942\u0930\u094d\u0923 \u0930 \u0938\u0939\u0940 \u0906\u0935\u0947\u0926\u0928 \u0938\u0902\u0917 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0917\u0930\u094d\u0928 \u092e\u093e \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0926\u091b, \u092f\u0926\u093f \u0924\u094d\u092f\u094b \u0935\u093f\u0915\u0932\u094d\u092a \u0924\u092a\u093e\u0907\u0901 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u0923 \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0932\u093e\u0917\u0940 \u0938\u092c\u0948 \u092d\u0928\u094d\u0926\u093e \u0930\u093e\u092e\u094d\u0930\u094b \u091b\u0964 \u0918\u0930 \u092e\u093e\u0932\u093f\u0915 \u091c\u094b \u090f\u0915 C\u0923 \u092a\u0930\u093f\u092e\u093e\u0930\u094d\u091c\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0906\u0935\u0947\u0926\u0928 \u0917\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u090f\u0915 \u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u0915\u093e\u0909\u0928\u094d\u0938\u0947\u0932\u0930 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u0940\u0930\u0939\u0947\u091b\u0928\u094d \u0909\u0928\u0940\u0939\u0930\u0941\u0915\u094b \u0906\u092b\u094d\u0928\u0948 \u092e\u093e \u092e\u093e\u0924\u094d\u0930 \u0967\u0968\u0967TP1T \u092c\u0928\u093e\u092e 86% \u0915\u094b \u0938\u092b\u0932\u0924\u093e \u0926\u0930 \u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175888197-3-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u0915\u0947 \u092f\u094b \u090f\u0915 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928 \u092a\u0948\u0938\u093e \u0916\u0930\u094d\u091a \u0939\u0941\u0928\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1609175888197-3-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u090f\u0915 HUD- \u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940 \u092c\u093e\u091f \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0938\u0927\u0948\u0902 \u0938\u094d\u0935\u0924\u0928\u094d\u0924\u094d\u0930 \u091b \u091c\u092c \u092f\u094b \u0918\u0930 \u092e\u093e \u092c\u0938\u094d\u0928\u0947 \u0918\u0930 \u0915\u094b \u092c\u093e\u0930\u0947 \u092e\u093e \u091b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u091b\u0941\u091f\u094d\u091f\u0940 \u0918\u0930 \u0935\u093e \u0932\u0917\u093e\u0928\u0940 \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u0938\u0902\u0917 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0916\u094b\u091c\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0924\u094d\u092f\u0939\u093e\u0901 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0915\u094b \u0932\u093e\u0917\u0940 \u090f\u0915 \u0936\u0941\u0932\u094d\u0915 \u0939\u0941\u0928 \u0938\u0915\u094d\u091b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0915\u092e\u094d\u092a\u0928\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u0905\u0928\u0941\u0930\u094b\u0927 \u0917\u0930\u093f\u090f\u0915\u094b \u091b \u0915\u093f \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0902\u0927\u0915 \u092a\u0930\u093f\u092e\u093e\u0930\u094d\u091c\u0928 \u0917\u0930\u094d\u0928 \u0935\u093e \u090f\u0915 \u0905\u0917\u094d\u0930\u093f\u092e \u0936\u0941\u0932\u094d\u0915 \u0915\u094b \u0932\u093e\u0917\u0940 \u0905\u0928\u094d\u092f \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0917\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0926\u093e\u0935\u0940 \u0917\u0930\u094d\u0926\u091b, \u092f\u094b \u090f\u0915 \u0918\u094b\u091f\u093e\u0932\u093e \u0939\u0941\u0928 \u0938\u0915\u094d\u091b\u0964 \u0915\u0947\u0939\u093f \u0939\u0938\u094d\u0924\u093e\u0915\u094d\u0937\u0930 \u0928\u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d! \u0939\u093e\u092e\u094d\u0930\u094b \u0939\u091f\u0932\u093e\u0907\u0928 \u0915\u0932 \u0930 \u090f\u0915 HUD- \u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940 \u092e\u093e \u090f\u0915 \u0935\u0948\u0927 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u091c\u094b\u0921\u093f\u090f\u0915\u094b\u0964 \u0939\u093e\u092e\u0940 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0905\u0927\u093f\u0915\u093e\u0930\u0940\u0939\u0930\u0941\u0932\u093e\u0908 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e \u0918\u094b\u091f\u093e\u0932\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0917\u0930\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u094c\u0902\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175916510-4-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u0915\u0947 \u092e \u090f\u0915\u0948 \u092a\u091f\u0915 \u090f\u0915 \u092d\u0928\u094d\u0926\u093e \u092c\u0922\u0940 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0941?<\/span><\/a><\/p><\/div><div data-id=\"1609175916510-4-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u090f\u0915 \u092a\u091f\u0915 \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u091b\u0928\u094c\u091f \u0917\u0930\u094d\u0928\u0941\u092d\u092f\u094b, \u0939\u093e\u092e\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936 \u0917\u0930\u094d\u0926\u091b\u094c\u0902 \u0915\u093f \u0924\u092a\u093e\u0907\u0901 \u092e\u093e\u0924\u094d\u0930 \u0909\u0928\u0940\u0939\u0930\u0941 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d\u0964 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u090f\u0915 \u0932\u093e\u092e\u094b \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0939\u094b \u0930 \u0924\u092a\u093e\u0907\u0901\u0915\u094b loan\u0923 servicer \u0938\u0902\u0917 \u0938\u0902\u091a\u093e\u0930 \u0915\u094b \u0927\u0947\u0930\u0948 \u0930\u093e\u0909\u0928\u094d\u0921 \u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0941\u0928 \u0938\u0915\u094d\u091b\u0964 \u092f\u094b \u0924\u092a\u093e\u0907\u0901 \u0930 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0915\u094b \u0932\u093e\u0917\u0940 \u0938\u091c\u093f\u0932\u094b \u0939\u0941\u0928\u0947\u091b \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0938\u093e\u0925 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u091f\u094d\u0930\u092f\u093e\u0915 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0937\u092e \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964 \u0925\u092a \u0930\u0942\u092a\u092e\u093e, \u0924\u094d\u092f\u0939\u093e\u0901 \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u092e\u093e \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0939\u0930\u0941 \u0915\u094b \u090f\u0915 \u0938\u0940\u092e\u093f\u0924 \u0938\u0902\u0916\u094d\u092f\u093e \u0939\u094b, \u0924\u094d\u092f\u0938\u0948\u0932\u0947 \u090f\u0915 \u092d\u0928\u094d\u0926\u093e \u092c\u0922\u093f \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u0940\u0930\u0939\u0947\u0915\u094b \u091b \u0915\u093f \u0905\u0930\u094d\u0915\u094b homeowner \u0932\u093e\u0908 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u091c\u093e\u0901\u0926\u0948\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1609175939906-5-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0941\u0928\u0948 \u0906\u0935\u093e\u0938\u0940\u092f \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940 \u0928\u092d\u090f\u0915\u094b \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u092c\u0938\u094d\u091b\u0941\u0964 \u092e\u0947\u0930\u094b \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0947 \u0939\u094b?<\/span><\/a><\/p><\/div><div data-id=\"1609175939906-5-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0927\u0947\u0930\u0948 HUD-\u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0939\u0930\u0942\u0932\u0947 \u0930\u093e\u091c\u094d\u092f\u0935\u094d\u092f\u093e\u092a\u0940 \u0930\u0942\u092a\u092e\u093e \u0918\u0930 \u092e\u093e\u0932\u093f\u0915\u0939\u0930\u0942\u0932\u093e\u0908 \u0938\u0947\u0935\u093e \u0926\u093f\u0928\u094d\u091b\u0928\u094d \u0930 \u0915\u0941\u0928\u0948 \u0935\u093f\u0936\u0947\u0937 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u0938\u0940\u092e\u093f\u0924 \u091b\u0948\u0928\u0928\u094d\u0964 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0930 \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u092f \u092a\u0942\u0930\u093e \u0917\u0930\u094d\u0928 \u0905\u0928\u0932\u093e\u0907\u0928, \u092b\u094d\u092f\u093e\u0915\u094d\u0938 \u0935\u093e \u092b\u094b\u0928\u092e\u093e \u0917\u0930\u094d\u0928 \u0938\u0915\u093f\u0928\u094d\u091b \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0930\u0942\u092a\u092e\u093e \u092d\u0947\u091f\u094d\u0928 \u0938\u0915\u094d\u0937\u092e \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u094d\u0928 \u092d\u0928\u0947\u0964 \u0939\u093e\u092e\u0940 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0938\u0939\u092f\u094b\u0917\u0915\u094b \u0932\u093e\u0917\u093f \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0938\u0901\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928 \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u0928 \u0926\u093f\u0928\u094d\u091b\u094c\u0902 \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0905\u0928\u0932\u093e\u0907\u0928 \u0935\u093e \u092b\u094b\u0928 \u092e\u093e\u0930\u094d\u092b\u0924 \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u0947 \u092a\u0928\u093f\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412440026-7-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0938\u0930\u0940 \u092a\u0915\u094d\u0915\u093e \u0939\u0941\u0928 \u0938\u0915\u094d\u091b\u0941 \u0915\u093f \u092e \u090f\u0915 \u0935\u0948\u0927 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u0940\u0930\u0939\u0947\u0915\u094b \u091b\u0941?<\/span><\/a><\/p><\/div><div data-id=\"1611412440026-7-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW268120330 BCX8\">To ensure you are working with a HUD-approved counseling agency, call the WHRC Homeownership Hotline to be connected to an approved counselor or ask your housing counselor if they are approved by the United States Department of Housing and Urban Development (HUD) and verify their information online. If you suspect a\u00a0<\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">scam<\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">, you should contact the\u202f<\/span><\/span><a class=\"Hyperlink SCXW268120330 BCX8\" href=\"http:\/\/www.atg.wa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW268120330 BCX8\" data-ccp-charstyle=\"Hyperlink\">Washington Attorney General\u2019s Office\u202f<\/span><\/span><\/a><span class=\"TextRun SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW268120330 BCX8\">consumer protection line at 1.800.551.4636 or visit their website at <a href=\"http:\/\/www.atg.wa.gov\">www.atg.wa.gov<\/a><\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">.\u202f\u00a0<\/span><\/span><span class=\"EOP SCXW268120330 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412468828-8-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0938\u0930\u0940 \u090f\u0915 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0930\u094b\u0915\u0925\u093e\u092e \u0918\u094b\u091f\u093e\u0932\u093e \u091a\u093f\u0928\u094d\u0928 \u0938\u0915\u094d\u091b\u0941?<\/span><\/a><\/p><\/div><div data-id=\"1611412468828-8-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW88899744 BCX8\">Housing counseling agencies should not charge you for their services if you are facing foreclosure on the\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW88899744 BCX8\">home<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0you live in. Any organization that contacts you and promises you a new mortgage, charges upfront fees,\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">advises you to<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0stop paying your mortgage or to stop talking to your mortgage company, and\/or calls from out of state is\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">probably too<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0good to be true.\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">These companies use television and internet advertisements as well as personal solicitations targeting homeowners in default.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">If you suspect a\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">scam<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">, you should contact the\u202f<\/span><\/span><a class=\"Hyperlink SCXW88899744 BCX8\" href=\"http:\/\/www.atg.wa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW88899744 BCX8\" data-ccp-charstyle=\"Hyperlink\">Washington Attorney General\u2019s Office\u202f<\/span><\/span><\/a><span class=\"TextRun SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW88899744 BCX8\">consumer protection line at 1.800.551.4636 or visit their <a href=\"https:\/\/www.atg.wa.gov\/\">website<\/a>.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u202f<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0WHRC\u2019s Hotline staff are available to help\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">connect you to<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">a<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">dditional<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">resources to report\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">s<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">cams<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0If\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">y<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">ou\u2019ve<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">already been a victim of a\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">s<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">cam<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">,<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0call the Hotline right away.<\/span><\/span><span class=\"EOP SCXW88899744 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412502564-9-6\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u092e\u0947\u0930\u094b \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940\u092e\u093e \u092a\u091b\u093e\u0921\u093f \u091b\u0941 \u0930 \u092e\u0947\u0930\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u092c\u093e\u091f \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u092d\u092f\u094b\u0964 \u092e \u0915\u0947 \u0917\u0930\u0942\u0901?<\/span><\/a><\/p><\/div><div data-id=\"1611412502564-9-6\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0938\u092c\u0948\u092d\u0928\u094d\u0926\u093e \u0930\u093e\u092e\u094d\u0930\u094b \u0915\u093e\u0930\u094d\u092f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u0947 \u092a\u091b\u093f \u0932\u093f\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b WHRC \u0939\u091f\u0932\u093e\u0907\u0928 \u092e\u093e \u0915\u0932 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d \u0930 \u0939\u093e\u092e\u0940\u0932\u093e\u0908 \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0935\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0939\u093e\u092f\u0924\u093e \u0935\u0915\u0940\u0932 \u0938\u0902\u0917 \u091c\u094b\u0921\u094d\u0928\u0941\u0939\u094b\u0938\u094d\u0964 \u0924\u094d\u092f\u0939\u093e\u0901 \u0924\u0940\u0928 \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0941 \u091b\u0928\u094d, \u0924\u0930 \u0924\u092a\u093e\u0907\u0901 \u0905\u0928\u094d\u092f \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0941 \u092a\u0928\u093f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u0918\u0930\u092e\u093e \u092c\u0938\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0924\u092a\u093e\u0907\u0901\u0938\u0901\u0917 \u0915\u0947\u0939\u093f \u0905\u0927\u093f\u0915\u093e\u0930\u0939\u0930\u0941 \u091b\u0928\u094d \u0930 \u0924\u0940 \u0924\u092a\u093e\u0907\u0901\u0932\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941\u092d\u090f\u0915\u094b \u0938\u0942\u091a\u0928\u093e\u0915\u094b \u0906\u0927\u093e\u0930\u092e\u093e \u092b\u0930\u0915 \u092b\u0930\u0915 \u0939\u0941\u0928\u094d\u091b\u0928\u094d\u0964 \u092f\u094b \u0939\u091f\u0932\u093e\u0907\u0928 \u0938\u094d\u091f\u093e\u092b \u0915\u094b \u0932\u093e\u0917\u0940 \u0909\u092a\u092f\u094b\u0917\u0940 \u0939\u0941\u0928 \u0938\u0915\u094d\u091b \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u091c\u093e\u0928\u094d\u0926\u091b\u0928\u094d \u0915\u093f \u0924\u092a\u093e\u0907\u0901 \u0915\u0941\u0928 \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941\u092d\u092f\u094b \u091c\u092c \u0924\u092a\u093e\u0907\u0901 \u0939\u093e\u092e\u0940\u0932\u093e\u0908 \u0915\u0932 \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964<\/p>\n<p>\u0924\u0940\u0928 \u0915\u093e\u0928\u0942\u0928\u0940 \u0930\u0942\u092a\u092e\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0941 \u0939\u0941\u0928\u094d:<\/p>\n<ul>\n<li>\u092a\u0942\u0930\u094d\u0935-\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0942\u0915\u094b \u0938\u0942\u091a\u0928\u093e (NOPFO)<\/li>\n<li>\u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e (NOD)<\/li>\n<li>\u091f\u094d\u0930\u0938\u094d\u091f\u0940\u0915\u094b \u092c\u093f\u0915\u094d\u0930\u0940\u0915\u094b \u0938\u0942\u091a\u0928\u093e (NOTS)<\/li>\n<\/ul>\n<p>\u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0926\u094c\u0930\u093e\u0928, \u091a\u093e\u0939\u0947 \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0935\u093e \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0906\u092b\u094d\u0928\u0948 \u092e\u093e \u0915\u093e\u092e \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0924\u092a\u093e\u0907\u0901 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0938\u0942\u091a\u0928\u093e \u0935\u093e \u0938\u0902\u091a\u093e\u0930 \u0924\u092a\u093e\u0907\u0901 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0948\u0902\u0915 \u092c\u093e\u091f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u094d\u091b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0907\u0901 \u090f\u0915 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0915\u093e\u092e \u0917\u0930\u0940\u0930\u0939\u0928\u0941\u092d\u090f\u0915\u094b \u091b, \u0924\u092a\u093e\u0907\u0901 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0902\u0917 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0948\u0902\u0915 \u092c\u093e\u091f \u0915\u0941\u0928\u0948 \u092a\u0928\u093f \u0938\u0902\u091a\u093e\u0930 \u0938\u093e\u091d\u093e \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u094d\u091b, \u0924\u094d\u092f\u0938\u0948\u0932\u0947 \u0909\u0928\u0940\u0939\u0930\u0941 \u0915\u0947 \u0917\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u0938\u0932\u094d\u0932\u093e\u0939 \u0926\u093f\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412526919-10-9\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e\u0948\u0932\u0947 \u092e\u0947\u0930\u094b nder\u0923\u0926\u093e\u0924\u093e \u092c\u093e\u091f \u092a\u0942\u0930\u094d\u0935 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u094b \u090f\u0915 \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u0947\u0915\u094b \u091b\u0941\u0964 \u092f\u0938\u0915\u094b \u092e\u0924\u0932\u092c \u0915\u0947 \u0939\u094b \u0930 \u092e\u0947\u0930\u094b \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0947 \u0939\u094b?<\/span><\/a><\/p><\/div><div data-id=\"1611412526919-10-9\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f\u092e\u093e, \u092a\u094d\u0930\u093f-\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0942\u0915\u094b \u0938\u0942\u091a\u0928\u093e (NOPFO) \u0924\u0940\u0928\u0935\u091f\u093e \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0942 \u092e\u0927\u094d\u092f\u0947 \u092a\u0939\u093f\u0932\u094b \u0939\u094b \u091c\u0941\u0928 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u090b\u0923 \u0938\u0947\u0935\u093e\u0915\u0930\u094d\u0924\u093e\u0932\u0947 \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u0927\u093f\u0924\u094b \u092d\u0941\u0915\u094d\u0924\u093e\u0928 \u0928\u0917\u0930\u0947 \u092a\u091b\u093f \u0924\u092a\u093e\u0907\u0901\u0932\u093e\u0908 \u092a\u0920\u093e\u0909\u0928\u0941 \u092a\u0930\u094d\u091b\u0964 \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0906\u092b\u094d\u0928\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u092c\u093e\u091f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u091b\u0941\u091f\u0947\u0915\u094b \u0938\u0919\u094d\u0915\u0947\u0924 \u0917\u0930\u094d\u0928\u0947 \u0905\u0928\u094d\u092f \u0938\u0942\u091a\u0928\u093e\u0939\u0930\u0942 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0924\u0930 NOPFO \u0932\u0947 \u0938\u0927\u0948\u0902 &quot;\u0918\u0930\u092e\u093e\u0932\u093f\u0915\u0939\u0930\u0942\u0915\u093e \u0932\u093e\u0917\u093f \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0905\u0927\u093f\u0915\u093e\u0930\u0939\u0930\u0942&quot; \u092d\u0928\u094d\u0928\u0947 \u0935\u093e\u0915\u094d\u092f\u093e\u0902\u0936 \u0938\u092e\u093e\u0935\u0947\u0936 \u0917\u0930\u094d\u0926\u091b\u0964 \u092f\u094b \u0938\u0942\u091a\u0928\u093e\u0932\u0947 \u091b\u0941\u091f\u0947\u0915\u094b \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940(\u0939\u0930\u0942) \u0930 \u0924\u092a\u093e\u0908\u0902\u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a\u0939\u0930\u0942\u0915\u093e \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u092e\u093e &quot;\u092e\u093f\u091f \u090f\u0928\u094d\u0921 \u0915\u0928\u094d\u092b\u0930&quot; \u092d\u0928\u093f\u0928\u0947, \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u0938\u0901\u0917 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0930\u0942\u092a\u092e\u093e \u0935\u093e \u092b\u094b\u0928 \u092c\u0948\u0920\u0915 \u0917\u0930\u094d\u0928\u0947 \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u0905\u0927\u093f\u0915\u093e\u0930\u0915\u094b \u092c\u093e\u0930\u0947\u092e\u093e \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0917\u0930\u093e\u0909\u0901\u091b\u0964 \u0924\u092a\u093e\u0908\u0902\u0932\u0947 NOPFO \u0932\u093e\u0908 \u092c\u0948\u0920\u0915\u0915\u094b \u0932\u093e\u0917\u093f \u0905\u0928\u0941\u0930\u094b\u0927 \u0917\u0930\u094d\u0928\u0915\u094b \u0932\u093e\u0917\u093f \u0938\u0942\u091a\u0928\u093e\u0915\u094b \u092e\u093f\u0924\u093f\u092c\u093e\u091f 30 \u0915\u094d\u092f\u093e\u0932\u0947\u0928\u094d\u0921\u0930 \u0926\u093f\u0928 \u092d\u093f\u0924\u094d\u0930 \u091c\u0935\u093e\u092b \u0926\u093f\u0928\u0941\u092a\u0930\u094d\u091b \u0930 \u0939\u093e\u092e\u0940 \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u092e\u0947\u0932 \u092e\u093e\u0930\u094d\u092b\u0924 \u0924\u094d\u092f\u0938\u094b \u0917\u0930\u094d\u0928 \u0938\u093f\u092b\u093e\u0930\u093f\u0938 \u0917\u0930\u094d\u091b\u094c\u0902 \u0924\u093e\u0915\u093f \u0924\u092a\u093e\u0908\u0902\u0938\u0901\u0917 \u092f\u0938\u0915\u094b \u092a\u0920\u093e\u0909\u0928\u0947 \u092e\u093f\u0924\u093f \u0930 \u0930\u0938\u093f\u0926\u0915\u094b \u092a\u094d\u0930\u092e\u093e\u0923 \u091b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0938\u092e\u092f\u092e\u0948 \u091c\u0935\u093e\u092b \u0926\u093f\u0928\u0941\u092d\u092f\u094b \u092d\u0928\u0947, \u092c\u0948\u0902\u0915\u0932\u0947 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u092d\u0947\u091f\u094d\u0928\u0948 \u092a\u0930\u094d\u091b \u0930 NOPFO \u0915\u094b \u092e\u093f\u0924\u093f \u0926\u0947\u0916\u093f 90 \u0926\u093f\u0928 \u092a\u0930\u094d\u0916\u0928\u0941 \u092a\u0930\u094d\u091b \u0921\u093f\u092b\u0932\u094d\u091f\u0915\u094b \u0938\u0942\u091a\u0928\u093e \u092a\u094b\u0938\u094d\u091f \u0917\u0930\u094d\u0928\u0941 \u0905\u0918\u093f, \u091c\u0941\u0928 \u0905\u0930\u094d\u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u0942\u091a\u0928\u093e \u0939\u094b\u0964 \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0928\u0917\u0930\u094d\u0928\u0947 \u091b\u0928\u094c\u091f \u0917\u0930\u094d\u0928\u0941\u092d\u092f\u094b \u092d\u0928\u0947, \u090b\u0923\u0926\u093e\u0924\u093e\u0932\u0947 NOPFO \u092e\u093e \u092e\u093f\u0924\u093f\u0915\u094b 30 \u0926\u093f\u0928 \u092a\u091b\u093f \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e \u091c\u093e\u0930\u0940 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0964 \u0939\u093e\u092e\u0940 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0938\u0901\u0917 \u0915\u093e\u092e \u0917\u0930\u094d\u0928 \u0930 \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u090b\u0923 \u0938\u0930\u094d\u092d\u0930\u0938\u0901\u0917\u0915\u094b \u092c\u0948\u0920\u0915\u092e\u093e \u0909\u0928\u0940\u0939\u0930\u0942\u0932\u093e\u0908 \u0938\u093e\u0925\u092e\u093e \u0930\u093e\u0916\u094d\u0928 \u0938\u093f\u092b\u093e\u0930\u093f\u0938 \u0917\u0930\u094d\u091b\u094c\u0902\u0964 \u0925\u092a \u091c\u093e\u0928\u094d\u0928\u0915\u094b \u0932\u093e\u0917\u093f WHRC \u0939\u091f\u0932\u093e\u0907\u0928\u092e\u093e \u0938\u092e\u094d\u092a\u0930\u094d\u0915 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d \u0930\/\u0935\u093e \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930\u0938\u0901\u0917 \u0938\u092e\u094d\u092a\u0930\u094d\u0915 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412564535-11-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0938\u0930\u0940 \u092a\u0942\u0930\u094d\u0935 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u094b \u0938\u0942\u091a\u0928\u093e \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0926\u093f\u0928\u094d\u091b\u0941?<\/span><\/a><\/p><\/div><div data-id=\"1611412564535-11-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0924\u092a\u093e\u0907\u0901 \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u092e\u0947\u0932 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u0942\u0930\u094d\u0935 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u094b \u0938\u0942\u091a\u0928\u093e \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0926\u093f\u0928\u0941 \u092a\u0930\u094d\u091b \u0930 \u092b\u093f\u0930\u094d\u0924\u093e \u0939\u0930\u093f\u092f\u094b \u0930\u0938\u0940\u0926 \u0915\u093f shows\u0923\u0926\u093e\u0924\u093e \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0905\u0928\u0941\u0930\u094b\u0927 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u092d\u090f\u0915\u094b \u091b \u0926\u0947\u0916\u093e\u0909\u0901\u091b\u0964 \u0924\u092a\u093e\u0907\u0901\u0915\u094b loan\u0923 \u0928\u092e\u094d\u092c\u0930, \u092e\u093f\u0924\u093f \u0924\u092a\u093e\u0907\u0901 \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924, \u0930 \u092f\u093e \u0924 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u0915\u093e\u0909\u0928\u094d\u091f\u0940 \u092e\u093e \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u092c\u0948\u0920\u0915 \u0935\u093e \u0924\u092a\u093e\u0907\u0901\u0915\u094b nder\u0923\u0926\u093e\u0924\u093e \u0938\u0902\u0917 \u091f\u0947\u0932\u093f\u092b\u094b\u0928 \u0915\u094b \u092e\u093e\u0927\u094d\u092f\u092e \u092c\u093e\u091f \u090f\u0915 \u092c\u0948\u0920\u0915 \u0905\u0928\u0941\u0930\u094b\u0927 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d\u0964 \u092a\u0942\u0930\u094d\u0935 \u092b\u094c\u091c\u0926\u093e\u0930\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u094b \u0938\u0942\u091a\u0928\u093e \u090f\u0915 \u0920\u0947\u0917\u093e\u0928\u093e \u091c\u0938\u092e\u093e \u0924\u092a\u093e\u0907\u0901 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u092a\u0920\u093e\u0909\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964 \u0924\u092a\u093e\u0907\u0901 \u092c\u0948\u0920\u0915 \u0915\u094b \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u094b \u0932\u093e\u0917\u0940 \u092f\u094b \u091f\u0947\u092e\u094d\u092a\u0932\u0947\u091f \u0915\u094b \u0909\u092a\u092f\u094b\u0917 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b:<\/p>\n<p><a href=\"https:\/\/www.homeownership-wa.org\/Meet-and-Confer-Sample-Letter.docx\">&quot;\u090f\u0915 \u092c\u0948\u0920\u0915 \u0930 \u0938\u092e\u094d\u092e\u0947\u0932\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0905\u0928\u0941\u0930\u094b\u0927&quot; \u092a\u0924\u094d\u0930<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412616180-12-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092f\u0926\u093f \u092e\u0948\u0932\u0947 \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u0947\u0901 \u092d\u0928\u0947 \u092e\u0948\u0932\u0947 \u0915\u0947 \u0917\u0930\u094d\u0928\u0941\u092a\u0930\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1611412616180-12-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e (NOD) \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941\u092d\u092f\u094b \u092d\u0928\u0947, \u0924\u0941\u0930\u0941\u0928\u094d\u0924\u0948 \u0918\u0930\u092e\u093e\u0932\u093f\u0915\u0924\u093e \u0939\u091f\u0932\u093e\u0907\u0928\u092e\u093e \u0938\u092e\u094d\u092a\u0930\u094d\u0915 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d\u0964 \u0924\u092a\u093e\u0908\u0902\u0938\u0901\u0917 \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e\u0915\u094b \u092e\u093f\u0924\u093f\u0926\u0947\u0916\u093f \u091f\u094d\u0930\u0938\u094d\u091f\u0940 \u092c\u093f\u0915\u094d\u0930\u0940\u0915\u094b \u0938\u0942\u091a\u0928\u093e\u0915\u094b \u092e\u093f\u0924\u093f \u092a\u091b\u093f \u0968\u0966 \u0926\u093f\u0928\u0938\u092e\u094d\u092e \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u0924\u0930\u094d\u092b\u092c\u093e\u091f \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0935\u093e \u0935\u0915\u0940\u0932 \u0905\u0928\u0941\u0930\u094b\u0927 \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u091b\u0964 \u0924\u092a\u093e\u0908\u0902 \u0906\u092b\u0948\u0932\u0947 \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u0905\u0928\u0941\u0930\u094b\u0927 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u0928, \u092f\u094b \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091b \u0915\u093f \u0924\u092a\u093e\u0908\u0902 \u092f\u093e \u0924 \u0906\u0935\u093e\u0938 \u0938\u0932\u094d\u0932\u093e\u0939\u0915\u093e\u0930 \u0935\u093e \u0935\u0915\u093f\u0932\u0938\u0901\u0917 \u091b\u093f\u091f\u094d\u091f\u0948 \u091c\u0921\u093e\u0928 \u0939\u0941\u0928\u0941\u0939\u0941\u0928\u0947\u091b\u0964 \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0906\u092b\u094d\u0928\u094b \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u091a\u0928\u093e\u0915\u094b \u092c\u093e\u0930\u0947\u092e\u093e \u091c\u0924\u093f \u091a\u093e\u0901\u0921\u094b \u0939\u091f\u0932\u093e\u0907\u0928\u092e\u093e \u0938\u092e\u094d\u092a\u0930\u094d\u0915 \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u0905\u0928\u0941\u0930\u094b\u0927\u0915\u094b \u0932\u093e\u0917\u093f \u0906\u0935\u0936\u094d\u092f\u0915 \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u092f\u0939\u0930\u0942 \u092a\u0942\u0930\u093e \u0917\u0930\u094d\u0928 \u091c\u0924\u093f \u0927\u0947\u0930\u0948 \u0938\u092e\u092f \u092a\u093e\u0909\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964 \u0925\u092a \u0930\u0942\u092a\u092e\u093e, \u092f\u0926\u093f \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u091f\u094d\u0930\u0938\u094d\u091f\u0940\u0915\u094b \u092c\u093f\u0915\u094d\u0930\u0940\u0915\u094b \u0938\u0942\u091a\u0928\u093e \u091c\u093e\u0930\u0940 \u0939\u0941\u0928\u0941 \u0905\u0918\u093f \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u0905\u0928\u0941\u0930\u094b\u0927 \u0917\u0930\u094d\u0928\u0941\u092d\u092f\u094b \u092d\u0928\u0947, \u0924\u092a\u093e\u0908\u0902 \u0906\u092b\u094d\u0928\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u0938\u0901\u0917 \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e\u092e\u093e \u0909\u092a\u0938\u094d\u0925\u093f\u0924 \u0939\u0941\u0901\u0926\u093e \u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u091f\u093e\u0907\u092e\u0932\u093e\u0907\u0928 \u0930\u094b\u0915\u093f\u0928\u094d\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412645552-13-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092f\u0926\u093f \u092e\u0948\u0932\u0947 \u091f\u094d\u0930\u0938\u094d\u091f\u0940\u0915\u094b \u092c\u093f\u0915\u094d\u0930\u0940 \u0915\u094b \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u0947\u0901 \u092d\u0928\u0947 \u092e\u0948\u0932\u0947 \u0915\u0947 \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1611412645552-13-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">The Notice of Trustee Sale (NOTS) is the third and final notice in the foreclosure process. This notice is publicly recorded in your county and includes the date on which the Trustee will sell your home at auction if your situation is not resolved before then. The FFA requires that the auction date\u00a0is\u00a0no sooner than\u00a0120 days\u00a0from the recording date on the NOTS.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you receive a Notice of Trustee Sale (NOTS), contact the Homeownership Hotline IMMEDIATELY. You have\u00a020 days\u00a0after the recording date on the Notice of Trustee\u2019s Sale to have a housing counselor or attorney request mediation on your behalf. Because you cannot request mediation on your own, it is important that you get connected to either a housing counselor or attorney. The sooner you contact the Hotline about your Notice of Trustee\u2019s\u00a0Sale,\u00a0the more time you have to complete the necessary paperwork\u00a0required\u00a0for a mediation request.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412726701-14-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u092d\u0928\u0947\u0915\u094b \u0915\u0947 \u0939\u094b?<\/span><\/a><\/p><\/div><div data-id=\"1611412726701-14-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">Mediation is the process where homeowners, a representative from the\u00a0mortgage company\u00a0(also known as the beneficiary)\u00a0or homeowners association,\u00a0a housing counselor or attorney, and a trained mediator discuss alternatives to foreclosure. It is a powerful tool\u00a0for\u00a0preventing foreclosure. A mediator cannot order the beneficiary to reach a resolution in the homeowner\u2019s favor, but they are trained to help both parties reach an agreement. Mediation does not guarantee that the homeowner will receive a loan modification or other favorable outcome, but the Foreclosure Fairness Act requires the homeowner and beneficiary to\u00a0participate\u00a0in good\u00a0faith,\u00a0and many homeowners are able to\u00a0retain\u00a0their home\u00a0because of\u00a0the mediation process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u0924\u092a\u093e\u0907\u0901 \u0928\u093f\u092e\u094d\u0928 \u0938\u0942\u091a\u0940 \u092c\u093e\u091f \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0948\u0902\u0915 \u0935\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0939\u0930\u0941 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u090f\u0915 \u0909\u091c\u0941\u0930\u0940 \u092b\u093e\u0907\u0932 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"http:\/\/www.atg.wa.gov\/FileAComplaint.aspx\"><span data-contrast=\"none\">\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u092e\u0939\u093e\u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0935\u0915\u094d\u0924\u093e\u0915\u094b \u0915\u093e\u0930\u094d\u092f\u093e\u0932\u092f<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/dfi.wa.gov\/\"><span data-contrast=\"none\">\u0935\u093e\u0936\u093f Washington\u094d\u091f\u0928 \u0930\u093e\u091c\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0939\u0930\u0941\u0915\u094b \u0935\u093f\u092d\u093e\u0917<\/span><\/a><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611412940128-15-8\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0938\u0930\u0940 \u092e\u0947\u0930\u094b \u0927\u093f\u0924\u094b \u0938\u0902\u0917 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u092c\u093e\u091f \u0930\u0947\u0915\u0930\u094d\u0921 \u0917\u0930\u093f\u090f\u0915\u093e \u0915\u093e\u0917\u091c\u093e\u0924\u0939\u0930\u0941 \u092a\u0939\u0941\u0901\u091a \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0941?<\/span><\/a><\/p><\/div><div data-id=\"1611412940128-15-8\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u0924\u092a\u093e\u0907\u0901 \u0915\u093e\u0909\u0928\u094d\u091f\u0940 \u0930\u0947\u0915\u0930\u094d\u0921\u0930\u0915\u094b \u0915\u093e\u0930\u094d\u092f\u093e\u0932\u092f \u092e\u093e \u0915\u0930\u094d\u092e, \u0927\u093f\u0924\u094b \u0915\u093e\u0917\u091c\u093e\u0924, liens, \u0938\u0942\u091a\u0928\u093e, \u0909\u092a\u0935\u093f\u092d\u093e\u0917, \u0930 \u0918\u0930 \u091c\u0917\u094d\u0917\u093e \u0905\u0928\u0941\u092c\u0902\u0927 \u092a\u0939\u0941\u0901\u091a \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964 \u0915\u093e\u0909\u0928\u094d\u091f\u0940 \u0930 \u0915\u093e\u0917\u091c\u093e\u0924 \u092e\u093e \u0928\u093f\u0930\u094d\u092d\u0930 \u0917\u0930\u094d\u0926\u091b, \u0924\u092a\u093e\u0907\u0901 \u0909\u0928\u0940\u0939\u0930\u0941\u0932\u093e\u0908 \u0905\u0928\u0932\u093e\u0907\u0928 \u0916\u094b\u091c\u094d\u0928 \u0938\u0915\u094d\u0937\u092e \u0939\u0941\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b\u0964<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611413006255-16-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e \u0915\u0938\u0930\u0940 \u091c\u093e\u0901\u091a \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u0941 \u0915\u093f \u092b\u0948\u0928\u0940 \u092e\u093e\u0908 \u0935\u093e \u092b\u094d\u0930\u0947\u0921\u0940 \u092e\u094d\u092f\u093e\u0915 \u092e\u0947\u0930\u094b \u0927\u093f\u0924\u094b \u0915\u094b \u092e\u093e\u0932\u093f\u0915 \u0939\u094b?<\/span><\/a><\/p><\/div><div data-id=\"1611413006255-16-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u092f\u0926\u093f \u092b\u0928\u094d\u0928\u0940 \u092e\u093e\u0908 \u0935\u093e \u092b\u094d\u0930\u0947\u0921\u0940 \u092e\u094d\u092f\u093e\u0915 \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0902\u0927\u0915 \u0915\u094b \u092e\u093e\u0932\u093f\u0915 \u0939\u094b \u0939\u0947\u0930\u094d\u0928 \u0915\u094b \u0932\u093e\u0917\u0940 \u0928\u093f\u092e\u094d\u0928 \u0932\u0941\u0915\u0905\u092a \u0909\u092a\u0915\u0930\u0923\u0939\u0930\u0941 \u0915\u094b \u0909\u092a\u092f\u094b\u0917 \u0917\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d:<\/p>\n<ul>\n<li><a href=\"https:\/\/knowyouroptions.com\/loanlookup\">Fannie Mae an\u0923 \u092e\u093e\u0925\u093f \u0939\u0947\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<\/a><\/li>\n<li><a href=\"https:\/\/myhome.freddiemac.com\/resources\/loanlookup\" target=\"_blank\" rel=\"noopener\">\u092b\u094d\u0930\u0947\u0921\u0940 \u092e\u094d\u092f\u093e\u0915 an\u0923 \u0939\u0947\u0930\u094d\u0928\u0941\u0939\u094b\u0938\u094d<\/a><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1611413032067-17-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e\u0901 \u092e\u0947\u0930\u094b \u092c\u0948\u0902\u0915 \u0935\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u090f\u0915 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0909\u091c\u0941\u0930\u0940 \u0915\u0939\u093e\u0901 \u0926\u0930\u094d\u0924\u093e \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"1611413032067-17-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">\u0924\u092a\u093e\u0907\u0901 \u0928\u093f\u092e\u094d\u0928 \u0938\u0942\u091a\u0940 \u092c\u093e\u091f \u0924\u092a\u093e\u0907\u0901\u0915\u094b \u092c\u0948\u0902\u0915 \u0935\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0939\u0930\u0941 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u090f\u0915 \u0909\u091c\u0941\u0930\u0940 \u092b\u093e\u0907\u0932 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Federal Deposit Insurance Corporation, Consumer Response Center (FDIC) : 877-275-3342 (Hours of Operation: 8:00 a.m. -8:00 p.m.\u202f Eastern Time)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/www.ftc.gov\/about-ftc\/contact\"><span data-contrast=\"none\">\u0938\u0902\u0918\u0940\u092f \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0906\u092f\u094b\u0917, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092d\u094d\u092f\u093e\u0938 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0917<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><a href=\"http:\/\/www.atg.wa.gov\/FileAComplaint.aspx\"><span data-contrast=\"none\">\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u092e\u0939\u093e\u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0935\u0915\u094d\u0924\u093e\u0915\u094b \u0915\u093e\u0930\u094d\u092f\u093e\u0932\u092f<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">The Washington State Department of Financial Institutions\u00a0Consumer\u00a0Financial Protection Bureau\u00a0Hotline: 1.855.411.CFPB\u00a0(2372)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#5556ed40-2e3d-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u092e\u0947\u0930\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u0905\u0935\u0938\u094d\u0925\u093e \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u091b\u0964 \u092e\u0948\u0932\u0947 \u092b\u094b\u0928\u092e\u093e \u0926\u093f\u090f\u0915\u094b \u091c\u093e\u0928\u0915\u093e\u0930\u0940\u0932\u093e\u0908 WHRC \u0932\u0947 \u0915\u0947 \u0917\u0930\u094d\u091b?<\/span><\/a><\/p><\/div><div data-id=\"5556ed40-2e3d-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>WHRC \u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u0915\u094b \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u0941\u0928\u0948 \u092a\u0928\u093f \u092a\u0915\u094d\u0937\u0932\u093e\u0908 \u092c\u0947\u091a\u094d\u0926\u0948\u0928\u0964 \u0939\u093e\u092e\u0940 \u0924\u092a\u093e\u0908\u0902\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e \u092c\u0941\u091d\u094d\u0928\u0915\u094b \u0932\u093e\u0917\u093f \u0906\u0927\u093e\u0930\u092d\u0942\u0924 \u0907\u0928\u094d\u091f\u0947\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0932\u093f\u0928\u094d\u091b\u094c\u0902 \u0930 HUD-\u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u0906\u0935\u093e\u0938 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0939\u0930\u0942 \u0930 \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u0926\u093e\u092f\u0915\u0939\u0930\u0942 \u091c\u0938\u094d\u0924\u093e \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0938\u0939\u092f\u094b\u0917 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u0928\u0947 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0939\u0930\u0942\u0932\u093e\u0908 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0930\u0947\u092b\u0930\u0932\u0939\u0930\u0942 \u092c\u0928\u093e\u0909\u0901\u091b\u094c\u0902\u0964 \u0939\u093e\u092e\u0940\u0932\u0947 \u0930\u0947\u092b\u0930\u0932 \u0917\u0930\u0947\u092a\u091b\u093f \u0930\u0947\u092b\u0930\u0932 \u090f\u091c\u0947\u0928\u094d\u0938\u0940\u0938\u0901\u0917 \u0924\u092a\u093e\u0908\u0902\u0932\u0947 \u0939\u093e\u092e\u0940\u0932\u093e\u0908 \u0909\u092a\u0932\u092c\u094d\u0927 \u0917\u0930\u093e\u0909\u0928\u0947 \u0907\u0928\u094d\u091f\u0947\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0938\u093e\u091d\u093e \u0917\u0930\u094d\u0928\u0941\u0939\u0941\u0928\u094d\u091b, \u0909\u0928\u0940\u0939\u0930\u0942\u0932\u093e\u0908 \u0938\u0915\u0947\u0938\u092e\u094d\u092e \u091a\u093e\u0901\u0921\u094b \u0938\u0939\u092f\u094b\u0917 \u0917\u0930\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928\u0964 WHRC \u0915\u094b \u092c\u093e\u0930\u0947\u092e\u093e \u0925\u092a \u091c\u093e\u0928\u094d\u0928\u0941\u0939\u094b\u0938\u094d <a href=\"https:\/\/www.homeownership-wa.org\/ne\/whrc-policies\/whrc-privacy-policy\/\">\u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0928\u0940\u0924\u093f<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1769204191791-19-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>What is the HOA\/COA Foreclosure Mediation Program?<\/span><\/a><\/p><\/div><div data-id=\"1769204191791-19-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">The Foreclosure Mediation Program provides a neutral mediation process for homeowners facing foreclosure to discuss alternatives with their lender or association. A\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">housing counselor or attorney<\/span><\/span><span class=\"TextRun SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">\u00a0must make the referral to the\u00a0<\/span><span class=\"NormalTextRun SCXW95945046 BCX8\">\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0930\u093e\u091c\u094d\u092f\u00a0<\/span><span class=\"NormalTextRun SCXW95945046 BCX8\">Department of Commerce on behalf of the homeowner or unit owner.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1769204241015-20-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>What help is available for homeowners in an HOA\/COA considering mediation?<\/span><\/a><\/p><\/div><div data-id=\"1769204241015-20-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">\u0918\u0930<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">owners should contact\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">WHRC to be connected to\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">a\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">HUD-certified housing counselor<\/span><\/span><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">or legal aid attorney\u00a0<\/span><\/span><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">as soon as they become delinquent or receive a notice. These professionals can explain rights, help\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">initiate<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0the meet and confer process,\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW198253272 BCX8\">prepare for<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0mediation, and complete the formal referral to<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0the Washington State Department of<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0Commerce. Many counseling services are free for primary residences.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1769204274789-21-0\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Who can request mediation under Washington state law?<\/span><\/a><\/p><\/div><div data-id=\"1769204274789-21-0\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\">Homeowners who have fallen behind on their mortgage payments or HOA\/COA dues may be able to request mediation.\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">Only<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0a\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\"><strong>HUD-certified\u00a0<\/strong><\/span><strong><span class=\"NormalTextRun SCXW1566592 BCX8\">housing<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0counselor or attorney<\/span><\/strong><\/span><span class=\"TextRun SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0can refer a homeowner to the mediation program.\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u0926\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">homeo<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">wner<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0cannot self-refer; instead, they\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">work with\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">a counselor or\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">legal aid provider<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0who evaluates eligibility and\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">forwards<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0the referral to\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">the Washington State Department of\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">Commerce<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1630064530\" href=\"#1769204306825-22-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Can HOA\/COA mediation delay foreclosure?<\/span><\/a><\/p><\/div><div data-id=\"1769204306825-22-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW168716092 BCX8\">Yes. Once the<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0homeowner<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0has been referred to mediation, an association may not file for judicial foreclosure until\u00a0<\/span><\/span><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW168716092 BCX8\">after the mediator\u2019s certification<\/span> <\/span><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW168716092 BCX8\">that mediation has\u00a0<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW168716092 BCX8\">concluded. Similarly, for\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW168716092 BCX8\">\u091f<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW168716092 BCX8\">rustee\u2019s<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">sales, the sale is postponed until mediation certification is issued<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"FOR HOMEOWNERSForeclosure PreventionAre you facing foreclosure? Washington Homeownership Resource Center operates Washington\u2019s official homeownership hotline and is here to guide [...]","protected":false},"author":5,"featured_media":0,"parent":2289,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-84","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Foreclosure Prevention - Washington Homeownership Resource Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homeownership-wa.org\/ne\/for-homeowners\/foreclosure-prevention\/\" \/>\n<meta property=\"og:locale\" content=\"ne_NP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Foreclosure Prevention - Washington Homeownership Resource Center\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homeownership-wa.org\/ne\/for-homeowners\/foreclosure-prevention\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Homeownership Resource Center\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-14T20:07:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 \u092e\u093f\u0928\u0947\u091f\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\",\"name\":\"Foreclosure Prevention - Washington Homeownership Resource Center\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\"},\"datePublished\":\"2021-08-02T18:17:22+00:00\",\"dateModified\":\"2026-05-14T20:07:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/#breadcrumb\"},\"inLanguage\":\"ne-NP\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"For Homeowners\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Foreclosure Prevention\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\",\"name\":\"Washington Homeownership Resource Center\",\"description\":\"You have homeownership goals. We can help you reach them.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.homeownership-wa.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ne-NP\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#organization\",\"name\":\"Washington Homeownership Resource Center\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ne-NP\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/WHRC_Logo_2023_Cerulean_RGB_H.png\",\"contentUrl\":\"https:\\\/\\\/www.homeownership-wa.org\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/WHRC_Logo_2023_Cerulean_RGB_H.png\",\"width\":10001,\"height\":2881,\"caption\":\"Washington Homeownership Resource Center\"},\"image\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u091c\u092b\u0924 \u0930\u094b\u0915\u0925\u093e\u092e - \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0917\u0943\u0939\u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0938\u094d\u0930\u094b\u0924 \u0915\u0947\u0928\u094d\u0926\u094d\u0930","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.homeownership-wa.org\/ne\/for-homeowners\/foreclosure-prevention\/","og_locale":"ne_NP","og_type":"article","og_title":"Foreclosure Prevention - Washington Homeownership Resource Center","og_url":"https:\/\/www.homeownership-wa.org\/ne\/for-homeowners\/foreclosure-prevention\/","og_site_name":"Washington Homeownership Resource Center","article_modified_time":"2026-05-14T20:07:45+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"13 \u092e\u093f\u0928\u0947\u091f"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.homeownership-wa.org\/for-homeowners\/foreclosure-prevention\/","url":"https:\/\/www.homeownership-wa.org\/for-homeowners\/foreclosure-prevention\/","name":"\u091c\u092b\u0924 \u0930\u094b\u0915\u0925\u093e\u092e - \u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 \u0917\u0943\u0939\u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0938\u094d\u0930\u094b\u0924 \u0915\u0947\u0928\u094d\u0926\u094d\u0930","isPartOf":{"@id":"https:\/\/www.homeownership-wa.org\/#website"},"datePublished":"2021-08-02T18:17:22+00:00","dateModified":"2026-05-14T20:07:45+00:00","breadcrumb":{"@id":"https:\/\/www.homeownership-wa.org\/for-homeowners\/foreclosure-prevention\/#breadcrumb"},"inLanguage":"ne-NP","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.homeownership-wa.org\/for-homeowners\/foreclosure-prevention\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.homeownership-wa.org\/for-homeowners\/foreclosure-prevention\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.homeownership-wa.org\/"},{"@type":"ListItem","position":2,"name":"For Homeowners","item":"https:\/\/www.homeownership-wa.org\/for-homeowners\/"},{"@type":"ListItem","position":3,"name":"Foreclosure Prevention"}]},{"@type":"WebSite","@id":"https:\/\/www.homeownership-wa.org\/#website","url":"https:\/\/www.homeownership-wa.org\/","name":"\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 Homeownership \u0938\u0902\u0938\u093e\u0927\u0928 \u0915\u0947\u0928\u094d\u0926\u094d\u0930","description":"\u0924\u092a\u093e\u0908\u0902\u0938\u0901\u0917 \u0918\u0930\u0927\u0928\u0940 \u0932\u0915\u094d\u0937\u094d\u092f\u0939\u0930\u0942 \u091b\u0928\u094d\u0964 \u0939\u093e\u092e\u0940 \u0924\u092a\u093e\u0908\u0902\u0932\u093e\u0908 \u0924\u0940 \u0932\u0915\u094d\u0937\u094d\u092f\u0939\u0930\u0942 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928 \u092e\u0926\u094d\u0926\u0924 \u0917\u0930\u094d\u0928 \u0938\u0915\u094d\u091b\u094c\u0902\u0964","publisher":{"@id":"https:\/\/www.homeownership-wa.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.homeownership-wa.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ne-NP"},{"@type":"Organization","@id":"https:\/\/www.homeownership-wa.org\/#organization","name":"\u0935\u093e\u0936\u093f\u0902\u0917\u091f\u0928 Homeownership \u0938\u0902\u0938\u093e\u0927\u0928 \u0915\u0947\u0928\u094d\u0926\u094d\u0930","url":"https:\/\/www.homeownership-wa.org\/","logo":{"@type":"ImageObject","inLanguage":"ne-NP","@id":"https:\/\/www.homeownership-wa.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/05\/WHRC_Logo_2023_Cerulean_RGB_H.png","contentUrl":"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/05\/WHRC_Logo_2023_Cerulean_RGB_H.png","width":10001,"height":2881,"caption":"Washington Homeownership Resource Center"},"image":{"@id":"https:\/\/www.homeownership-wa.org\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/pages\/84","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/comments?post=84"}],"version-history":[{"count":0,"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/pages\/84\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/pages\/2289"}],"wp:attachment":[{"href":"https:\/\/www.homeownership-wa.org\/ne\/wp-json\/wp\/v2\/media?parent=84"}],"curies":[{"name":"\u0921\u092c\u094d\u0932\u094d\u092f\u0942\u092a\u0940","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}