Washington
Washington Revised Code § 61.24.030. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial trustee
Deficiency
After non-judicial trust deed foreclosure: deficiency is PRO
Mediation
Washington Foreclosure Fairness Act Mediation Program: manda
Statute Citation
Wash. Rev. Code §§ 61.24.005-61.24.190 (Washington Deed of Trust Act)
Redemption Period
No statutory right of redemption after non-judicial trustee sale. The sale is final. The Washington Deed of Trust Act provides a comprehensive pre-sale regulatory framework.
Deficiency Judgment Rule
After non-judicial trust deed foreclosure: deficiency is PROHIBITED on residential property (Wash. Rev. Code § 61.24.100). This is absolute for all residential deeds of trust.
Notice Requirements
Notice of default mailed to borrower at least 30 days before notice of sale. Notice of sale recorded and mailed. Published. Washington's Deed of Trust Act has detailed procedural steps including a mandatory beneficiary declaration.
Mediation Program
Washington Foreclosure Fairness Act Mediation Program: mandatory for certain owner-occupied residential properties. Mediation must be requested through a housing counselor.
Key Provisions
- Washington Deed of Trust Act — detailed statutory process
- No deficiency after non-judicial foreclosure on residential property
- Foreclosure Fairness Act mediation
- Beneficiary declaration requirement
Homeowner Protections
- No deficiency on residential deeds of trust — very strong protection
- Foreclosure Fairness Act mediation program
- Detailed pre-sale notice requirements
- Borrower may cure default up to 11 days before sale
- Beneficiary declaration must verify lender's authority to foreclose
Frequently Asked Questions
What is the Washington Foreclosure Fairness Act?+
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