WA is a non-judicial foreclosure state with the Foreclosure Fairness Act requiring mediation. 90-day pre-foreclosure notice. 120-day notice of sale. We prepare documents for all 39 WA Superior Courts.
FFA Mediation
Foreclosure Fairness Act
90+120 Days
Extended notice periods
39 Counties
Superior Court filing
Consumer Protection
WA CPA claims
Rush response within 24 hours
Washington has 39 counties, each with a Superior Court. WA uses non-judicial foreclosure under RCW 61.24 with a 90-day Notice of Default requirement. Foreclosure Fairness Act mediation is available statewide.
All 39 Washington counties served — King, Pierce, Snohomish, Spokane, Clark, Thurston, Kitsap, and all others.
WA non-judicial foreclosure under RCW 61.24 with Foreclosure Fairness Act mediation. Here's your action plan.
Lender sends a 90-day Notice of Default under RCW 61.24. This starts the clock. The NOD must include information about the Foreclosure Fairness Act mediation program.
You have 20 days from the NOD to request FFA mediation through the Washington State Department of Commerce. Mediation can delay the sale and may result in a loan modification.
After the 90-day NOD period, the Trustee sets a sale date at least 120 days out. Notice is posted and mailed. This gives you time to act.
Public auction of the property. WA has no statutory right of redemption. An unlawful detainer eviction follows. File for injunction in Superior Court before sale.
From Seattle to Spokane, Tacoma to Vancouver — WA homeowners trust us.
"I got a Notice of Default in King County and only had 20 days to request FFA mediation. Dream Legal Solutions prepared everything for the Seattle courthouse. They knew RCW 61.24 inside and out."
— Marcus D., Seattle (King County)
"After a tech layoff in Snohomish County, the lender filed. Dream Legal Solutions prepared my FFA mediation request and injunction papers for the Everett Superior Court. Game changer."
— Sarah J., Everett (Snohomish County)
"Dream Legal Solutions helped me in Pierce County. They prepared my documents for the Tacoma Superior Court and made sure my FFA mediation rights were protected under RCW 61.24."
— David W., Tacoma (Pierce County)
"After a medical hardship in Spokane County, Dream Legal Solutions prepared my complete defense. Their team was fast and knew exactly what the Spokane Superior Court required."
— Robert M., Spokane County
"Facing a trustee sale in Clark County was terrifying. Dream Legal Solutions prepared documents for the Vancouver Superior Court with RCW 61.24 defenses in a matter of days."
— James T., Clark County
"Living in Thurston County, the Olympia Superior Court process was overwhelming. Dream Legal Solutions handled everything — FFA mediation, RCW compliance, and all documents."
— Emily S., Thurston County
Understanding WA-specific foreclosure notices under RCW 61.24 and the FFA.
The Notice of Default starts the 90-day clock. Must include FFA mediation information. 20 days to request mediation from the WA Department of Commerce.
Posted at least 120 days before the sale date. Includes the beneficiary and trustee information, property description, and sale date/time.
Under the WA Foreclosure Fairness Act (RCW 61.24.163), you can request mediation. This must be done within 20 days. Mediation is with a neutral third party.
After sale, the Trustee issues a deed. The new owner files an unlawful detainer for eviction. WA has no statutory right of redemption after sale.
If you've received a Notice of Default or Trustee Sale in Washington, take these steps NOW.
You have 20 days from the Notice of Default to request Foreclosure Fairness Act mediation. Contact the WA Department of Commerce immediately. This is your most important deadline.
Check that the NOD contains all required FFA information. Verify the trustee is properly appointed and licensed. RCW 61.24 violations support an injunction in Superior Court.
Collect your deed of trust, promissory note, payment records, NOD, all correspondence, and any FFA mediation documents. Everything needed for Superior Court.
Call 323-813-4113 or use the consultation form. We'll prepare your FFA mediation request and injunction documents for your WA Superior Court.
Under RCW 61.24.163, you have only 20 days from the NOD. Missing this deadline waives your right to mediation.
WA has no statutory redemption after sale. If you don't get an injunction before the trustee's sale, you lose the home permanently.
The trustee must be properly licensed under WA law. Improper trustee appointments can void the foreclosure.
Washington is a non-judicial foreclosure state under RCW 61.24, with the Foreclosure Fairness Act (RCW 61.24.163) requiring mandatory mediation for owner-occupied properties.
90-Day Pre-Foreclosure Notice
Under RCW 61.24.031, lender must send Notice of Default with 90-day cure period and FFA mediation notice. Must include list of HUD-approved housing counselors.
FFA Mediation
Owner-occupied homeowners can request FFA mediation within 20 days. Mediation must occur before NTS can be issued. Lender must produce documents and negotiate in good faith.
Notice of Trustee Sale (NTS)
120-day notice of sale required after NOD. File civil suit in WA Superior Court for TRO/injunction to stop. No post-sale redemption.
WA has no post-sale redemption for non-judicial foreclosures. You must act during the 90+120 day notice period or file a civil suit before the trustee sale.
Foreclosure Fairness Act Mediation
RCW 61.24.163 requires mandatory mediation for owner-occupied properties before NTS issuance. Lender must produce original note, deed of trust, and proof of authority to foreclose.
WA Consumer Protection Act
RCW 19.86 et seq. — WA's strong consumer protection law. Deceptive mortgage lending and servicing practices can be asserted as claims in civil lawsuits with treble damages and attorney's fees.
Standing Challenge
The foreclosing beneficiary must prove ownership of the note and authority under the deed of trust. MERS and securitization chain-of-title defects are powerful defenses.
Washington provides strong borrower protections through the Foreclosure Fairness Act, the WA Consumer Protection Act, and extended notice requirements.
Under RCW 61.24.163, owner-occupied homeowners can request Foreclosure Fairness Act mediation within 20 days of receiving the Notice of Default. The lender must participate in good faith and produce original documents. Mediation can result in loan modification, forbearance, or settlement — and sanctions apply for bad-faith participation.
The Washington Consumer Protection Act (RCW 19.86 et seq.) prohibits unfair and deceptive acts in trade and commerce, including mortgage lending and servicing. Violations can be asserted as claims in civil lawsuits — with treble damages (up to $25,000), injunctive relief, and attorney's fees available.
Washington requires a 90-day pre-foreclosure notice (RCW 61.24.031) followed by a 120-day Notice of Trustee Sale period — totaling 210+ days before a sale can occur. These extended timelines, combined with FFA mediation, give WA homeowners significant time to mount a defense.
WA non-judicial foreclosures under RCW Chapter 61.24:
| Stage | Timeline | Legal Authority | Homeowner Action |
|---|---|---|---|
| 90-Day Pre-Foreclosure Notice | Sent 90+ days before NOD recording; includes FFA mediation notice | RCW 61.24.031 | Request FFA mediation within 20 days if owner-occupied |
| FFA Mediation | Must be completed before NTS can be issued | RCW 61.24.163 | Attend with documentation; lender must prove standing |
| Notice of Trustee Sale (NTS) | 120 days notice; published, posted, and mailed | RCW 61.24.040 | File civil suit + TRO in WA Superior Court |
Remedy: Rescission, statutory damages, plus WA CPA remedies.
Remedy: Actual damages, statutory damages up to $2,000, attorney's fees.
WA gives you 210+ days of notice — use it wisely. Contact us for a free case evaluation. We'll review FFA mediation eligibility, standing issues, TILA/RESPA/CPA violations, and prepare your civil lawsuit strategy for 39 WA Superior Courts.