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Mortgage Defender Blog

Plain-English guides to Washington State foreclosure process, RCW 61.24, and what to check in your own mortgage documents.

Five Scares, Part 1: The First Sale Date

July 27, 2026

I've made more than 200 mortgage payments on my home. I want to start there, because everything else in this story gets read differently once you know that. I was a real estate agent. In 2008, that income disappeared wit…

How a Non-Judicial Foreclosure Works in Adams County, WA

July 20, 2026

If you own a home in Adams County and you have fallen behind on your mortgage, the lender does not have to go to a judge to take it. Washington State allows foreclosure through a process called a deed-of-trust foreclosur…

Before a Washington Foreclosure Can Start, Your Servicer Has Specific Contact Obligations

July 13, 2026

If you are behind on your mortgage and worried about foreclosure, one of the first things worth understanding is that Washington law does not allow a servicer to simply file paperwork and move forward. Before a nonjudici…