Worried About Foreclosure?
If you are concerned about missing payments on your home or losing your home, you don't have to face it alone and you don’t need to wait to get help. American Financial Solutions (AFS) is a housing counseling agency that helps Washington State residents to find the best solution to their foreclosure or mortgage default situation. AFS is a sub-grantee of the Washington State Housing Finance Commission. Our housing counselors are certified, by the Department of Housing and Urban Development (HUD), to provide housing counseling services.
In confidential, one-on-one counseling sessions, our housing counselors will assess your situation, uncover options available for you and your mortgage, and help you prepare for working with the mortgage servicer. Counselors may also work directly with your lender or servicer to find a resolution to the foreclosure situation. Counselors may also offer mediation services in situations where a homeowner has not been able to reach a mutually agreeable solution with a mortgage company.
During each counseling session a counselor will:
- Explain the foreclosure process,
- Explain the documents you will need to provide to your mortgage company,
- Review your financial situation including mortgage expenses, other debts owed and typical expenses such as groceries and gas,
- Develop a budget, so that you can meet your monthly mortgage payment and expenses, and
- Provide referrals and resources that may be able helpful in other areas of your life.
There is no charge to you, the homeowner, for foreclosure intervention and assistance services. AFS foreclosure counseling is supported through grants from the Department of Housing and Urban Development, Washington State Housing Finance Commission, Washington State Department of Commerce, Wells Fargo, and funding from the King County Veterans, Seniors and Human Services Levy.
Our housing counseling services are also available in Spanish.
If you have missed any mortgage payments, are about to miss a payment, or if your loan already has been referred to an attorney for foreclosure, get started today with one of our HUD-certified housing counselors! (888) 864-8548