Behind on your mortgage in Everett? Your Snohomish County action plan
A step-by-step action plan for Everett and Snohomish County homeowners who've fallen behind on their mortgage — what to do first, second, and third.
Falling behind is overwhelming, so here's a simple order of operations for Everett and Snohomish County homeowners — what to do first, second, and third.
1. Find out exactly where you stand
Pull your latest statement and any notices. Are you 30, 60, or 120+ days behind? Have you received a Notice of Default or a Notice of Trustee's Sale? The sale date (if any) sets your whole timeline. See the WA timeline.
2. Call your servicer and a free counselor
Ask your servicer's loss-mitigation department about a repayment plan, forbearance, or modification. Then call a free HUD counselor (1-877-894-HOME) — they can also refer you to mediation under the Foreclosure Fairness Act.
3. Decide: keep it or sell it
If you can sustain a payment, pursue a modification. If you can't — and especially if you have equity, which is common given Snohomish County values — selling before the sale protects your credit and your equity. We can list it, negotiate a short sale, or buy it for cash. See all your options.
Whatever you do, don't wait for the sale date to arrive. Every week you act earlier widens your options across Snohomish County.
This article is general information for Washington homeowners, not legal or financial advice. For free help, call the Washington Homeownership Hotline at 1-877-894-HOME or a HUD counselor at 1-800-569-4287.
FAQ
What should I do first if I'm behind in Everett?
Figure out exactly how far behind you are and whether you've received any notices — that tells you how much time you have. Then call your servicer and a free HUD counselor.
Do I likely have equity in my Snohomish County home?
Often yes — strong local values mean many owners behind on payments still have equity worth protecting by selling before the trustee's sale.
Want help applying this to your situation?
Tell us where you stand — free, confidential, no obligation.