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Hello! Thank you for visiting. This web site is designed to be your complete  Washington Real Estate resource. The links will guide you to information that will help answer your questions concerning available Monroe and greater Snohomish and King County Real Estate and community issues. This website is a useful tool but we invite you to call us for personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call or email us.

If you are a distressed property owner, we can help! There are many options and its important you understand what they are.   Reinstatement Homeowner requests the total amount owed to bring mortgage payments current and pays it. Forbearance or Re-payment plan Homeowner negotiates with the mortgage company to allow them to repay back payments over a period of time. Sell the Property Homeowner with sufficient equity lists their property with a qualified agent that understands the foreclosure process in their area. Rent the Property Homeowner with a mortgage payment low enough that market rent will allow it to be paid converts their property to a rental. Mortgage / Loan Modification Homeowner negotiates with lender to modify the interest on the loan, the principal balance, or any combination of these, resulting in a lower payment. Home Affordable Foreclosure Alternatives Program (HAFA) Homeowner qualifies for HAFA and is offered pre-approved short sale terms and cash incentives for relocation assistance. Short Refi Homeowner negotiates with lender to refinance a mortgage for less than what is owed on the property. Deed-in-Lieu of Foreclosure Homeowner returns the property to the lender rather than go through the foreclosure process. Deed for Lease Homeowner returns the property that is FHA-insured back to the lender and leases the property for a twelve month period. Refinance Homeowner with significant equity in his/her property and good credit standing refinances their mortgage. Bankruptcy Homeowner with significant non-mortgage debt who is unable to pay these debts or his/her mortgage payment files for bankruptcy which liquidates assets and/or reorganizes debt to pay back creditors. Servicemembers Civil Relief Act (SCRA 303) A member of the military who is experiencing financial distress due to deployment (and can prove entered into debt before employment) qualifies for temporary relief under this act. Homeowners Assistance Program A member of the military or federal employee qualifies for this program which has a variety of assitance programs including private sales, government purchase, and/or foreclosure assitance. Short Sale Homeowner has a financial hardship and qualifies for a sales transaction where the lender is willing to acceptthe payoff of a mortgage for less than what is owed. Thank you for visiting our website. Please bookmark it, and visit it often. We look forward to hearing from you. Sincerely, David Bray, CDPE, NRBA