Washington State Mortgage Foreclosure Fairness Act Information


The Mortgage Foreclosure Fairness Act (FFA) went into effect on July 22, 2011. The law was primarily designed to help homeowners try to keep their home and work out a loan modification in an effort to prevent foreclosure. It forces major lenders to engage in conversation and problem solving with borrowers.

Who is covered by the new Foreclosure Fairness Act Mediation Program?

Homeowners may be eligible if they meet these criteria:

  1. They have received a Notice of Default from their lender.
  2. The lived in the home when the foreclosure process started.
  3. They have not yet received a Notice of Trustee’s Sale.

Which lenders are covered by the law?

Any lender or servicer who did 250 or more foreclosure sales in Washington during the previous year is covered.

For more details about the law:

The Foreclosure Process in Washington State 

Download the Washington Foreclosure Fairness Act Homeowner Handout [PDF]

Download the Washington Foreclosure Fairness Information for Realtors [PDF]

Owner-occupied residential borrowers in Washington have access to FREE housing counselors.  Call 1-877-894-HOME (4663) or go to

Windermere Real EstateRealtor LogoCDPE - Certified Distressed Property ExpertRichard Eastern on Zillow

Washington Property Solutions
Windermere Real Estate /East Inc.
11100 Main Street, Suite 200, Bellevue, WA 98004
Local: 425-381-2233
Toll-Free: 866-732-9725
Email: info@washortsales.com

Windermere Real Estate

Learn the 5 Things Not To Say in a Hardship Letter

Join our mailing list to receive the latest news and updates from our team of local Short Sale Experts.

You have Successfully Subscribed!