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Foreclosure Mediation

This is a very quick description so you are aware of this law.  I am not an attorney and am not qualified to handle this part of a real estate transaction.  I recommend you use an attorney who specializes in the short sale and foreclosure area of law. The description that follows is a reprint of the text you will find at

What is foreclosure mediation?

Mediation is a process where the mediator helps the homeowner and the lender reach a fair, voluntary, and negotiated agreement. Foreclosure mediation programs have proven effective in reducing foreclosures in other states.

Who is eligible to participate in the Foreclosure Fairness Act Mediation Program?

Homeowners who received a Notice of Default on or before July 22, 2011 and their house has not yet been sold at foreclosure sale. Homeowners that received a Notice of Default after July 22, 2011 are eligible for referral to mediation until 20 days after the date a notice of sale has been recorded.

All lenders or beneficiaries are covered by the mediation requirement, except financial institutions that have conducted less than 250 foreclosure sales.

How do I request mediation?

An attorney or counselor must refer you to foreclosure mediation by sending a form to the Department of Commerce. Although not required, it may be to your benefit to request that they also represent you during the mediation session. The beneficiary is typically represented by at least one attorney.

How much will participating in foreclosure mediation cost?

The homeowner and the lender shall each pay a $200 fee for the mediation. The fee must be paid prior to mediation.

Free counseling provided

Foreclosure prevention counseling is provided free of charge to homeowners. Homeowner counseling is funded from program fees paid by lenders and servicers conducting more than 250 foreclosures in Washington State.  To talk to a counselor call 1.877.894.HOME (4663). Call toll-free 1-888-201-1014 to obtain an attorney.

Questions? Contact the Department of Commerce

The Washington Department of Commerce oversees the implementation of the program. Questions about the program should be directed to the Washington Department of Commerce.

More information is available from the Washington Department of Commerce at

For additional specific program questions, you may contact:

Phone: (360) 725-3026


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