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Building community and creating affordable housing opportunities Steve Walker, Acting Director

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If you are concerned about foreclosure on your home, there are free legal, housing counseling, and financial resources available to help throughout the City, our partners and the State of Washington.

For immediate assistance, contact The Washington Homeownership Resource Center at (877) 894-4663 and visit for more information.

The Seattle Foreclosure Prevention Program can help homeowners avoid default and work out repayment plans in order to stay in their homes, or gain enough time to sell their homes on their own terms. The program provides financial and mortgage counseling, assistance in working with lenders and stabilization loans of up to $5,000 and is administered by non-profit partner organizations.

The program is administered by the non-profit organizations Urban League of Metropolitan Seattle and Solid Ground. Counselors can help struggling homeowners by coordinating:

  • Financial and mortgage counseling
  • Assistance negotiating repayment plans with lenders
  • Stabilization loans of up to $5,000

The program will give homeowners two options:

  • Avoid default and work out a repayment plan to stay in their homes
  • Gain enough time to sell their homes on their own terms

Find out if you qualify
To qualify for the program, household income must be below 80 percent of the area median income (see current eligibility limits). Homeowners must also prove the capacity to afford the mortgage for the long-term.

Homeowners in need of assistance should contact Solid Ground or the Urban League directly to see if they qualify:

Mortgage and Default Counseling
A number of nonprofits assist homeowners facing foreclosure with mortgage default and foreclosure counseling, including the following:

See also the Washington Foreclosure Prevention Resource Guide, available from the Financial Empowerment Network. This guide was designed to provide practical tools, information and resources to help homeowners dealing with foreclosure issues.

State Foreclosure Prevention Resources
The Northwest Justice Project’s Foreclosure Prevention Unit helps low- to moderate-income Washington homeowners who face foreclosure of their primary place of residence. They represent homeowners in loan modification negotiation, mediation under the Foreclosure Fairness Act and litigation to protect and enforce homeowner rights under state and federal law. Homeowners should call the FPU’s toll-free number to be screened for program eligibility: 1.800.606.4819. Attorneys interested in volunteering should visit NWJP's website.

The Washington Homeownership Resource Center also has many great resources available to help homeowners facing foreclosure. For immediate assistance, contact (877) 894-4663.

Washington State Department of Financial Institutions provides a vast amount on information on avoiding foreclosure rescue scams, mortgage counseling and navigating the foreclosure process. A Foreclosure Fairness Act Brochure is now available in Spanish, Korean, Chinese and Vietnamese.

Federal Programs
The Obama Administration announced the Making Home Affordable program in February 2009. This program provides resources to homeowners who are making good-faith effort to make their mortgage payments. An overview of this program is available on the federal Road to Stability site. Detailed information and self-assessment tools are available at Making Home Affordable.

HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants. This alliance will maximize outreach efforts to homeowners in distress to help them stay in their homes and will create a unified, coordinated plan to reach and help as many homeowners as possible. View Real People, Real Stories: Avoid Foreclosure Rescue Scams, produced by the Federal Trade Commission.

Questions for the Office of Housing?

If you have questions about any of the City of Seattle homeownership programs, contact our reception desk at (206) 684-0721.

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