CDR has trained and experienced foreclosure mediators who will be able to facilitate your conversation.  To be able to use foreclosure mediation you must be referred to mediation by an attorney or housing counselor.  Once one of our mediators receives the referral, one of our staff will contact you about the next steps you need to take.  Our center and our mediators are impartial and work hard to create an environment that is conducive to a productive session.


Washington Foreclosure Mediation Program

The Foreclosure Fairness Act provides Washington homeowners facing foreclosure the opportunity to be referred by a housing counselor or attorney to mediation with their lender to review available options to keep their home.                For more information: Foreclosure Fairness Program

What is foreclosure mediation?

Mediation is a process where the mediator helps the homeowner and the lender reach a fair, voluntary, and negotiated agreement. Foreclosure mediation programs have proven effective in reducing foreclosures in other states.

Who is eligible to participate in the Foreclosure Fairness Act Mediation Program?

The Foreclosure Fairness Act applies to only to owner-occupied residential properties. Owner-occupied means property that is the principal residence of the borrower.

Borrowers that received a Notice of Default prior to July 22, 2011 may be referred to mediation up to one day prior to the Trustee’s Sale.

Borrowers that received a Notice of Default after July 22, 2011 are eligible for referral to mediation until 20 days after the date a notice of sale has been recorded.

FREE housing counseling is available to help homeowners understand their options and determine the best course of action. Contact a housing counselor at 1-877-894-HOME (4663). Homeowners must be referred to mediation by a housing counselor or an attorney. You can also contact the statewide civil legal aid hotline for legal assistance and referrals at 1-800-606-4819 or visit:

Washington Foreclosure Prevention Guide – a resource to help you navigate from default through rebuilding your credit after foreclosure

CDR Foreclosure Fee Policy

Mediation Service fees are $200 per party for scheduling, document review, conducting a mediation session, and issuing a certificate to Commerce. Mediation fees are non-refundable once a mediation session is scheduled, or preparation has started. Mediations lasting more than three (3) hours will be charged at $130 for an additional hour. If a second session is requested a $200 fee per party will be due prior to scheduling the second session.

Reschedule  fees: When it is necessary to reschedule a foreclosure  mediation, an agreement to extend the date for mediation must be agreed  upon by both parties.

  • $100.00 per party reschedule fee is  due for sessions cancelled within 30 days of the scheduled mediation  date.
  • $200.00 per party reschedule fee is  due for sessions cancelled 72 business hours or less of the scheduled mediation  date.

Cancellation fee:   All foreclosure mediation fees are non- refundable.

Rescheduling Decision:  The mediator has discretion in the scheduling decision and requires the consent of both parties to extend beyond the 70 day timeline set in statute.  Mediators may choose to hold the mediation as scheduled and this decision is based on, but not limited to, the following criteria:

  • length of time the case has been opened,
  • change of circumstances, number of reschedules,
  • communication difficulties, or
  • if there is a need for clarification between the parties.

For more information, visit our Foreclosure Frequently Asked Questions.