1
I Want to Keep or Save the Home
You may need to speak with your mortgage servicer, a HUD-approved housing counselor, or a qualified Washington attorney. Start by explaining your situation and the outcome you want.
King • Snohomish • Pierce • Washington
Received a Foreclosure Notice? You May Still Have Options.
Whether you want to keep the home, save the home, sell and move, protect available equity, or simply understand what happens next, start with a private conversation.
You do not have to know what you want to do before you contact us.
Respectful conversation • No pressure • No obligation
✓ Washington-focused information
✓ No obligation to sell
✓ Call or text privately
✓ Contact us even if unsure
Your home. Your decision.
What Do You Want to Happen Next?
You may feel like the bank, trustee, paperwork, or scheduled sale has taken control of the situation. Calling or texting gives you an opportunity to explain what you want and learn which next steps may be worth investigating.
2
I Want to Sell and Move Out
Depending on the scheduled sale date, property condition, loan balance, and available equity, selling before foreclosure may be an option worth reviewing.
3
I Need More Time to Figure It Out
Waiting without understanding the timeline can reduce your choices. Contacting us does not require you to make an immediate decision.
4
I Have No Idea What to Do
You are not expected to understand every notice, deadline, payment figure, or foreclosure term. Start by telling us what happened and what worries you most.
You are not the only one
It Is Normal to Feel Overwhelmed
A foreclosure-related notice can cause fear, embarrassment, confusion, anger, or the temptation to ignore the situation.
You do not need to explain everything perfectly. Call or text, tell us what you received, and describe what you would ideally like to happen.
✓
“I am embarrassed and do not want to be judged.”
✓
“I do not understand the notice or scheduled sale date.”
✓
“I want to stay, but I do not know whether that is possible.”
✓
“I may need to sell, but I do not want to be pressured.”
✓
“I am afraid that calling someone will make things worse.”
✓
“I have waited because I simply did not know where to begin.”
A simple first conversation
What Happens When You Call or Text?
You do not need to prepare a speech or make a decision before contacting us.
1
Tell Us Who You Are
Provide your name, telephone number, property address, and postcard Post ID if it is available.
2
Explain What You Want
Tell us whether you want to keep the home, sell it, move, protect available equity, or simply understand your choices.
3
Discuss Possible Next Steps
Ask questions, receive general information, and request an appropriate follow-up conversation when needed.
If your postcard contains a seven-digit Post ID, keep it nearby.
You can still call or text if you cannot find the Post ID or your
foreclosure paperwork.
Do Not Wait Until the Sale Date Is Closer
Calling or texting does not commit you to selling, hiring anyone, or accepting a particular solution. It simply gives you a place to start.
Common questions
Before You Contact Us
Can I call or text if I do not know what I want to do?
Yes. You do not need to decide whether to keep or sell the home before contacting us. Start by explaining what happened and what concerns you most.
Does contacting you mean I have to sell my home?
No. Calling or texting does not commit you to selling your home, accepting an offer, hiring anyone, or using a particular service.
What should I include in my text message?
You can begin by texting your name, the property address, your seven-digit Post ID if available, and whether you want to keep the home, sell it, move, or simply understand what happens next.
What information should I have when I call?
It can help to have the property address, foreclosure notice, approximate sale date, and postcard Post ID. You can still call without all of this information.
Can Home Default Help stop the foreclosure?
Home Default Help cannot promise that a foreclosure can be stopped. The purpose of the conversation is to understand your goal, provide general real estate information, and identify appropriate next steps or professionals.
What areas does this page serve?
This page is intended for Washington homeowners, particularly homeowners in King County, Snohomish County, and Pierce County.
Important Information
Home Default Help is an independent homeowner options resource. We are not your lender, loan servicer, trustee, a government agency, law firm, loan-modification company, foreclosure consultant, housing counseling agency, credit repair company, mortgage broker, or document preparation service. We do not provide legal, tax, mortgage, credit, or financial advice and cannot guarantee that a foreclosure can be delayed or stopped. If your goal is to keep your home, you should promptly contact your mortgage servicer, a HUD-approved housing counseling agency, or a qualified Washington attorney. If your goal is to sell, we may be able to discuss general real estate sale options or connect you with an appropriate real estate professional or potential buyer. Any real estate transaction should be documented in writing and handled through appropriate licensed professionals, title, and escrow.