Washington state. There isn’t a more impressive and awe-inspiring sight on earth than the vast array of wildlife, Mt Ranier, the skiing, the hiking, horseback riding and the breath taking scenery, not to mention the photo opportunities and the clean cool air. Washington is truly a paradise for the outdoor person, as well as for those who are impressed by the great seafood restaurants of Seattle, or the impressive home of some of the worlds most prolific companies, such as Microsoft (TM)

Washington also has other aspects to it, not the least of which are some few mass layoff for major corporations in Washington, as  well as the home foreclosures that seem to follow the massive unemployment rises that have taken place lately.

The national rate of Foreclosure this year is a bit over two percent, while in Washington state,  its a little over one percent, making it ahead of the national average. About one in 1000 homes are in foreclosure. While those numbers are much better than some states, the simple fact is that if you’re in the one percent who are losing their homes, you’re not impressed by those facts.You want to continue to live your dream, to be in close proximity to the amazing state and national parklands in Washington and live a life that you’re accustomed to, but to do that, you’re going to have to find ways to stop Washington home foreclosure and you’re not quite sure how to make that happen.

Does Washington state offer government mortgage help ? Are there Washington government mortgage assistance programs in place to help those of you who are in danger of losing your homes? Washington state, as well as the federal government offers you a wide array of assistance in preventing foreclosure in the state of Washington., Among those programs that are free for the use of Washington residents are foreclosure prevention programs, home mortgage counselors, as well as many others.
Taking advantage of the help that is offered to you to save your mortgage is just good sense.. Your home is Washington is worth trying to save.
You are eligible for free help so far as foreclosure counseling. Counselors will assist you to try to find you a way to keep your home, and you may contact them by telephone hotline at  Washington State Home ownership Information Hotline at 1.877.894.HOME (1.877.894.4663) or visit the Washington State Home Ownership HELP

Through President Obama’s Making Home Affordable program, Washington families  may qualify to keep their homes and refinance them, so that they can take them down to a payment that they can more readily afford to make. You can find out more about Making Home Affordable by taking a peek at the web site, or by telephoning the HUD hotline or offices to gather more information for your particular state.

HUD foreclosure counselors are free at all times, so you can work through a counselor if your’e uncertain about what you should be doing to save your washington home from foreclosure proceedings.There is never a charge for HUD assistance in preventing foreclosureon your property, and in many cases the HUD counselors will be glad to contact your mortgage provider in order to help you communicate with them regarding what you need to do, or what your options are to save your home.

A few ideas that you can use to assist you in keeping your home and the equity are:

* If you get behind on your payments, call or write your mortgage lender immediately. NEVER ignore letters from your lender.If possible send a hardship letter to make sure that they know what your circumstances are, which will give you both a better idea of what your options may be. In many cases a hardship letter to your lender will help them to qualify you for further asisstance or refinancing.
* Stay in your home
* Lenders don’t have to accept all proposals and are not obligated to do so.
* Explore every alternative.
* Beware of foreclosure rescues which may be someone taking advantage of your situation. These are happening more and more frequently. Pay attention on the HUD and FHA, as well as the Washington state sites to information you get about unscrupulous people who want your home..
* Don’t sign anything you don’t understand completely.
* If the lender refuses to take partial payments,put this money aside to help negotiate with the lender.
* You may be eligible to postpone payment of your property taxes or special assessments under two programs in Washington. Contact your local County Assessor’s Office or an attorney for more information.
* Remember that signing over the deed to someone else doesn’t always end your obligation.
* ALWAYS use registered or certified mail to communicate or for any legal matters with your lender.

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