Worried About Foreclosure?

Foreclosure Counseling

For assistance accessing our services, please see our Accessibility Request page. 

If you're facing challenges with your mortgage payments or are concerned about losing your home, you're not alone. American Financial Solutions (AFS) is here to support Washington State residents through these tough times.

As a HUD-approved housing counseling agency and a sub-grantee of the Washington State Housing Finance Commission, we offer expert guidance to help you navigate foreclosure or mortgage default situations. Our certified housing counselors provide personalized, confidential counseling to help you understand your options and take action.

During one-on-one sessions, our counselors will:

• Ensure you understand the foreclosure process
• Clarify the documents required by your mortgage company
• Evaluate your financial situation, including mortgage expenses, other debts, and essential living costs
• Develop a budget to help you meet your monthly mortgage and other expenses
• Connect you with additional resources and referrals that may support other areas of your life

Our counselors can also work directly with your lender or servicer to explore solutions or provide mediation support when a mutual agreement hasn’t been reached.

Best of all, our foreclosure intervention and assistance services are available at no cost to homeowners, thanks to grants from HUD and the Washington State Housing Finance Commission.

We also provide housing counseling services in Spanish.

Learn More and Access Resources

To better understand your rights and available programs in Washington State, you can review these helpful resources:

• Foreclosure Fairness Act Flyer – Learn about Washington’s Foreclosure Fairness Program and how mediation may help you avoid foreclosure.
• Foreclosure Prevention Resource Guide – A comprehensive guide to housing counseling, legal aid, and financial support available to Washington homeowners.

Property Tax Assistance

Falling behind on property taxes can also threaten homeownership. Our counselors can help you: 

• Explore payment plans, exemptions, and deferral programs.
• Understand your county’s process and deadlines.
• Communicate with assessor or treasurer offices to prevent further penalties.
• Complete necessary applications for assistance.

Helpful resources for Property Taxes:

Below are links to the Department of Revenue's handouts on Property Tax exemptions and deferrals. To learn more about the difference between a deferral and an exemption, click here.  

• Property Tax Exemption Program for Senior Citizens and People with Disabilities
• Property Tax and Special Assessment Deferral Program for Senior Citizens and People with Disabilities
• Property Tax Deferral Program for Homeowners with Limited Income
• Grant Assistance Program for Widows and Widowers of Veterans

Don’t wait until it’s too late.

If you’ve missed a mortgage payment, are about to miss one, or if your loan has been referred to an attorney for foreclosure, reach out to our HUD-certified housing counselors today at (888) 864-8699.

Let us help you find the best solution for your situation.