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Washington Foreclosure Laws

Judicial Yes
Non-Judicial Yes
Process Period 135 Days
Sale Publication 90 Days
Redemption Period None
Sale / NTS Trustee

Judicial Foreclosures: In-court foreclosures begin with the lender filing suit against the borrower. The court can take anywhere from 30-60 days to make a ruling a 60 day ruling is given to borrowers who are from out of state to allow more time fro them to respond to the court. If the court rules against the borrower the property sale is scheduled.

Non-Judicial Foreclosures: In out-of -court proceedings the lender must first send a notice of default to the borrower. The borrower is given 30 days to respond to the lender before the property sale is scheduled. Up till 11 days before the sale the borrower can stop the foreclosure by paying the amount due.

Sale: A notice of sale should be recorded with the county recorder at least 90 days before the sale date, and should also be mailed to the borrower. The notice of sale should also be published in the local newspaper twice, once between 32 and 28 days before the sale, and again 11 and 7 days before the sale. The sale is carried out through a public auction. The property goes to the highest bidder. For in-court foreclosures the borrower has a redemption period of one year.

Additional Information on Washington Foreclosure