Nonjudicial Foreclosure Washington State
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If the borrower does not pay the outstanding amounts (i.e. cure the default) within 30 days of the issuance of the notice of default the lender may authorize the trustee to issue a notice of sale. The sale may not take place less than 120 days from the issuance of the notice of default.
When Can Foreclosure Start? Under federal law, the servicer usually can't officially begin a foreclosure until you're more than 120 days past due on payments, subject to a few exceptions. (12 C.F.R. § 1024.41).
What is the foreclosure process in Washington? Washington is a ?non-judicial foreclosure? state, meaning a lender can foreclose on a property through a third party, the trustee, and not the court system.
The Washington Nonjudicial Foreclosure Process. A third party, called a "trustee," handles the nonjudicial foreclosure process in Washington. At least 30 days before recording or serving a notice of sale, the trustee mails a notice of default to you and posts it on the property (or personally serves it to you).