HOMEOWNERSHIP.WA.GOV - Assistance from the State of Washington

If You're Late on Payments

If you are going to be late on a monthly mortgage payment, here are some tips on what to do.

Stay in Your Home and Gather Documents

Stay in your home to make sure you qualify for assistance. Before contacting your lender or a housing counseling agency, gather your financial documents. Checklist of documents to gather

Contact Your Lender

Washington homeowners who are having trouble making their monthly mortgage payment should try to work with their lender to assess their ability to repay debt, and consider other options. Lenders don't have to accept all proposals and are not obligated to do so.

Don’t wait till the last minute to contact your lender. If the lender refuses to take partial payments, you should put this money aside to help negotiate with the lender later.

Take Advantage of Free Counseling and Assistance

Free counseling and assistance is also available to Washington residents. To be connected to a counselor, call the Washington Homeownership Information Hotline at 1-877-894-HOME (4663). They will be able talk to you about your situation, evaluate options, and explain assistance programs that may be available to you.

Explore Mortgage Assistance Programs

There may be a number of mortgage assistance programs available to you. Explore your options. Mortgage Assistance Programs

Avoid Fraud

Don't sign anything you don't understand and remember to use registered or certified mail in all your correspondence on legal matters. About Mortgage Fraud