Resources for Current Homeowners
Foreclosure Help / Home Repair and Weatherization / Additional Homeowner Resources
Trouble Paying Your Mortgage and Facing Foreclosure?
If you are having trouble or may soon have trouble making your mortgage payment, please call your loan servicer immediately (the organization to which you make your mortgage payment).
In addition, ARCH highly recommends contacting a housing counseling agency. The Washington Homeownership Resource Center (WHRC) provides free access to certified housing counselors, and may be reached at their Resource Hotline: 1-877-894-4663 or by email at info@homeownership-wa.org. If you have trouble getting resolution from your loan servicer, or are having trouble making other housing related payments, like homeowner's association, condo association, or property tax payments, WHRC can help you understand your rights and options.
Foreclosure Fairness Program - Foreclosure Fairness Program – Washington State Department of Commerce
If you're not sure what type of loan you have, contact your loan servicer or try the Fannie Mae and Freddi Mac online lookup tools. A housing counselor will also be able to help you understand your mortgage and what that means for your rights and options.
Your Housing Options If You Are Facing Foreclosure
You will need a place to live after going through foreclosure. A foreclosure will have an adverse effect on your credit scores and that may impact your ability to rent or get a mortgage. Your foreclosure counselor may help you sort through the possible options. Click here for a list of foreclosure avoidance counselors.
If you are looking for rental housing, click here to see get access to the Apartment Finder list of properties.
For Eastside rental options, click here to see the ARCH-maintained list of affordable rental properties.
Home Repair and Weatherization
There are several different organizations which can assist income qualified homeowners with repairs to their homes, particularly the elderly, disabled, and families with children.
Bellevue Home Repair Assistance
Do you own a home in Bellevue City limits? Got a leaky roof but you're short on cash? Dripping faucets getting you down? You may be eligible for Bellevue's Home Repair Program, which gives a 0% loan toward making approved improvements. You can inquire about how this program works by clicking here .
King County Housing Repair Program
King County has some great programs for homeowners who want to make repairs to their homes and need some extra financial assistance in the form of a deferred loan, matching program and/or grant. These programs are for people outside of Seattle City limits and not all programs are available in all areas. So check it out and see what's available in your area. In addition to assisting homeowners, this program also helps renters with special needs.
King County Housing Authority Weatherization Program
KCHA's Weatherization program helps low-income homeowners and renters reduce their energy costs and improve the indoor air quality of their homes. Common repairs include: ventilation improvements, insulations installs, furnace repairs and air sealing to prevent drafts.
Rebuilding Together
Need help around the house? This program is for you! Rebuilding Together is a non-profit organization that sponsors an annual one day home repair project for low-income homeowners who are elderly, living with disabilities or families with children. All repairs are provided at no cost to the homeowner.
Habitat for Humanity Seattle King County
Habitat's "A Brush With Kindness" program provides 0% loans towards needed home improvements. Instead of a down payment they ask you volunteer a certain number hours based on the cost of your home repairs. You can volunteer on their build site, in their office, or at their store. If interested visit their website or call them at (425) 869-6007.
Additional Homeowner Resources
Bellevue Conflict Resolution Center (BCRC) provides foreclosure mediation for homeowners who are in arrears on their mortgages and want to negotiate a modification or other solution. Call (425) 452-4091, or email bcrc@bellevuewa.gov. BCRC also works with direct referrals from the Washington Department of Commerce Foreclosure Fairness Program: https://www.commerce.wa.gov/building-infrastructure/housing/foreclosure-fairness
Covenant Homeownership Program If you have deep roots in Washington state (before 1968), you could be eligible for the Covenant Homeownership Program. Call the Washington State Homeownership Hotline at 1-877-894-4663 to be connected to support, guidance and financial help through the Covenant Homeownership Program – and beyond. WSHFC Covenant Homeownership Program