{"id":696,"date":"2022-09-02T21:07:16","date_gmt":"2022-09-02T21:07:16","guid":{"rendered":"https:\/\/www.harborstone.com\/wph\/workarea\/?page_id=696"},"modified":"2024-01-27T04:23:32","modified_gmt":"2024-01-26T21:23:32","slug":"foreclosure-avoidance","status":"publish","type":"page","link":"https:\/\/www.harborstone.com\/wph\/workarea\/foreclosure-avoidance\/","title":{"rendered":"Washington Foreclosure Avoidance Disclosure"},"content":{"rendered":"        <div class=\"band content-hero band-content-hero-2 content-fullwidth\">\n      <div class=\"zone\">\n        <div class=\"zone-title\">\n          <h1>Washington Foreclosure Avoidance Disclosure<\/h1>\n        <\/div>\n        <div class=\"feature-wrap\">\n          <div class=\"feature-wrap-inner\">\n            \n        \n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <script defer>\n    var links = document.querySelectorAll('.anchor-link')\n    function anchorListener(e){\n      e.preventDefault()\n      var hash = e.currentTarget.hash\n      document.querySelector(hash).scrollIntoView({ \n  behavior: 'smooth' ,\n  block:'center'\n});\n    }\n    links.forEach(e=>e.addEventListener('click', anchorListener))\n    <\/script>\n\n    \n\n\n<p class=\"has-main-color-color has-text-color\">Unable to afford your home loan payments but want to avoid foreclosure? Many options may be available to you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>You may be able to refinance your loan, extending the repayment period and\/or reducing the interest, thereby lowering the payments.<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Harborstone may be able to modify your loan to make your payments more affordable.<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>You may be able to surrender the deed to your house voluntarily to avoid the foreclosure process.<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Harborstone may be able to provide you with special forbearance in light of your current circumstances.<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>You may be able to sell your home and repay your mortgage in its entirety. If your home\u2019s value is less than your outstanding loan balance, Harborstone may be willing to accept less money than you owe as full payment (a short sale).<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-font-color-color has-text-color wp-block-list\">\n<li>To explore these options, contact Harborstone at (253) 584-2260 or 1-800\u2010523\u20103641.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-main-color-color has-text-color\"><br>In order for us to evaluate your eligibility for these options, we must review some documents. Please prepare the following documents for our conversation:<\/p>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Recent pay stubs (or other proof of income, such as SSI payments or retirement income)<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Recent statements from all bank or credit union accounts<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Tax return and all supporting documentation<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Property tax statement<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>Hardship letter explaining why you are unable to make your payments.<\/li>\n<\/ul>\n\n\n\n<ul class=\"has-main-color-color has-text-color wp-block-list\">\n<li>List of monthly expenses (you may be required to provide additional documentation of your expenses).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-main-color-color has-text-color\"><br>To contact Harborstone regarding your home loan, call (253) 584-2260 or 1-800\u2010523\u20103641.<br><br>The Washington State Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at 1-877\u2010894\u20104663 (that\u2019s 1-877\u2010894\u2010HOME).<br><br>The U.S. Department of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at 1-800\u2010569\u20104287.<\/p>\n\n\n\n<p class=\"has-text-align-center has-main-color-color has-text-color\">P.O. Box 4207 | Tacoma, WA 98438-0207 | 1-800-523-3641 | Updated 01-2018<br><\/p>\n","protected":false},"excerpt":{"rendered":"Unable to afford your home loan payments but want to avoid foreclosure? Many options may be available to you. In order for us to evaluate your eligibility for these options, we must review some documents. Please prepare the following documents for our conversation: To contact Harborstone regarding your home loan, call (253) 584-2260 or 1-800\u2010523\u20103641.The [&hellip;]","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":57,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_excerpt":[],"attr_featured":[],"attr_hide_date":["false"],"attr_hide_hero":["false"],"footnotes":""},"class_list":["post-696","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Washington Foreclosure Avoidance Disclosure - Harborstone Credit Union<\/title>\n<meta name=\"description\" content=\"Unable to afford your home loan payments but want to avoid foreclosure? Many options may be available to you. 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