A free, personalized search, to help you save money, and save your home.
Getting your mortgage relief process started is as easy as answering a few questions, whether you are looking for forbearance relief, a loan modification, or need lender mediation.
Sit back, no pressure. Find out what help is available for your situation. I am glad to help!
Statement on Covid-19 Mortgage Relief Options:
The FHFA, Fannie Mae, Freddie Mac, private lenders, and state governments have all enacted mortgage relief programs to assist homeowners during this period of financial hardship.
While every effort is made to inform you of all mortgage relief options available to you, we recommend contacting your lender directly to see if you are affected by any updates on the local, state, or federal level.
Mortgage relief is worth investigating, right now!
As of Q3 2021, per the FHFA, the majority of borrowers who are entering loan modifications are lowering their payments by over 20%.
That could potentially save you hundreds of dollars each month.
Fannie Mae and Freddie Mac are offering the following mortgage relief options to borrowers who are either unable to make their payments, or who are exiting a forbearance plan:
To help homeowners lower their payments, Fannie Mae and Freddie Mac are agreeing to:
The Washington State Homeowner Assistance Fund will be available soon. Washington State was given $173 million to help delinquent homeowners catch up on their mortgage payments. In addition, mortgage relief funds can be used to pay for delinquent homeowner association dues, internet services, homeowner’s insurance, and utility payments like gas, electricity, and water.
1 Fill out the form above or call (425) 654-1674.
2. Speak with mortgage attorney Nadia K. Kilburn
3. Receive an overview of the options available to you.
4. Do your research and decide what option may help you the best.
If you’re behind on mortgage payments, you may have received a notice taped to your door with boilerplate language advising you that you may want to retain an attorney or contact a foreclosure law firm.
Or, you may be in a situation, prior to default, where you just want to do everything you can to protect yourself and get the most information about your situation as soon as possible.
A foreclosure law firm will have foreclosure defense attorneys who may be able to help you.
A foreclosure law firm, more commonly known as a foreclosure defense law firm, can:
Ramon came to me at 87 years old. He had lived in his home for over 40 years and still owed mortgage payments.
One day his pension benefit check stopped arriving. He didn’t have any way to make his mortgage payment. For six months his mortgage went unpaid.
All he was left with was his SSI check. But without his pension income, he was unable to afford both the mortgage payments and his living expenses.
He understood that his income was too low to save the home long-term, even with a loan modification. His plan was to eventually sell the home and move in with his son but he needed to stay in the home for nine months before he could move.
With the nine month goal in mind, we built Ramon a tailored plan:
At this point, we had secured an extra 6 months in the home. After the expiration of the foreclosure hold, the bank filed their final foreclosure notice, the Notice of Trustee Sale. That gave Ramon an additional 4 months before the home was set to be sold at auction.
At the end of the 2nd month before his auction date we put the home on the market. At this point we were 8 months into the 9 month plan. The house sold and closed quickly. Ramon was then able to move in with his son as planned. He received cash from the sale of the home and he avoided foreclosure.
The plan was a success. We got him the 9 months he needed to be able to peacefully transition out of the home.
Without a foreclosure law firm or a foreclosure defense attorney, Ramon might not have known how to use all the processes available to him to get the most time possible in the property.
A foreclosure law firm should be able to help you with all the services below:
If you’re a Washington state homeowner and would like to speak with a foreclosure law firm, feel free to give me a call at (425) 654-1674.
The information contained on this website is provided for informational purposes only, and should not be construed as legal advice on any matter.
The transmission and receipt of information contained on this website in whole or in part, or communication with The Law Office of Nadia K. Kilburn via the internet or email through this website does not constitute or create a lawyer-client relationship between us and any recipient. You should not send us any confidential information in response to this webpage. Such responses will not create a lawyer-client relationship, and whatever you disclose to us will not be privileged or confidential unless we have agreed to act as your legal counsel and you have executed a written engagement agreement with The Law Office of Nadia K. Kilburn.
The material on this website may not reflect the most current legal developments. Reasonable attempts have been made to ensure the information presented on this website is accurate, and The Law Office of Nadia K. Kilburn cannot make express or implied representations or warranties about the completeness or accuracy of the contents of this website.
Each mortgage relief issue is unique, and the materials presented on this website may not be applicable to your legal situation. Please contact a qualified attorney to discuss the specifics of your matter.
If you have a foreclosure auction date scheduled against your home, you may need to act immediately.
The Law Office of Nadia K. Kilburn does not offer any guarantees of case results. Any cases mentioned on this website are illustrative of some of the work handled by The Law Office of Nadia K. Kilburn.
These illustrations are based upon real cases. These case examples should not be viewed, in any way, as an assurance of a particular result in your case. Each case must have its own facts and circumstances.
The statistics provided on this website are drawn from Nadia Kilburn’s entire career, including her time managing a team of lawyers in a previous law firm
The Law Office of Nadia K. Kilburn is licensed to practice in: Washington State