Managing your mortgage shouldn’t be a difficult chore. At One Washington Financial, our Mortgage Servicing Department makes the process a convenient and hassle-free experience. Our team of dedicated servicing professionals are responsible for administering many post-closing tasks, up until you pay off your loan. Should you ever have a question with your current mortgage, we’re here to help.


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Keeping Your Home and Ways to Avoid Foreclosure


If you’re finding that you’re unable to make your mortgage payments with us and are looking for ways to keep your home or avoid foreclosure, give us the chance to help. There are several options that you may be eligible for, including:

– Refinancing your mortgage to extend the repayment period and/or reduce the interest rate to lower your monthly payments.
– Modification of your current mortgage to make your payments more affordable.
– Surrendering your deed to us voluntarily.
– A special forbearance from OWF based on your current circumstances.
– Selling your home to repay your mortgage in full. If your home’s value is less than your outstanding loan balance, we may be willing to accept the amount of your home sale as full payment. This is known as a short sale.

To explore these options, give our Mortgage Servicing Department a call at 800.893.7824 x67001. Please be sure to have the following documents ready to help us evaluate your eligibility:

– Two most recent pay stubs (or other proof of income, such as SSI payments or retirement income).
– Two most recent statements from all bank or credit union accounts.
– Most recent tax return and all supporting documentation.
– Hardship letter explaining why you are unable to make your payments.
– A list of your monthly expenses.
– We may require additional documentation of your expenses.
– We may require additional information to properly evaluate your qualifications for these programs.


If you have submitted a loan modification package and would like to check the status, please click here to contact our Servicing Team.


To find a certified housing counseling agency, call:


Washington State Department of Financial Institution’s Foreclosure Hotline: 877.894.HOME (4663) or visit their website.


US Department of Housing and Urban Development: 800.569.4287 or visit their website.


Washington statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: 800-606-4819 or visit their website

Helpful Information

Annual Tax Reporting

At the beginning of every year, we’ll be sending you important tax related information on your interest payments from the previous year. If you haven’t received your 1098 and 1099 IRS form (as applicable) by mid-February, please contact us immediately so we can reissue your statements. We are required by law to send this information to you as well as the IRS.

Our Approach

If your mortgage payment includes an impound or escrow reserve account, we manage extra funds to pay property taxes, Private Mortgage Insurance (PMI) and/or hazard insurance premiums for you. Because these bills can fluctuate, we monitor them throughout the year and perform an annual account analysis to make sure that you’ll have enough money in your impound or escrow account to cover them. Sometimes a payment adjustment is necessary to offset any increase or decrease in premium costs. We hope you’ll never need it, but if you ever have to file a claim with your insurance company for damage or loss, we’ll work with you to coordinate disbursement of funds and to ensure that your property is properly restored to an acceptable condition. Please be sure to notify us if you file a claim for loss or damage or if you change insurance companies.

If You Cant Make A Payment

We understand that there are unforeseen times in life that can cause financial hardships. We are committed to help you find solutions and we have a variety of tools available to help you but it is important that you notify us as soon as possible.

Frequently Asked Questions

Can I Make Bi-Weekly Payments and Pay Off My Mortgage Faster?

Weekly payment programs can be somewhat confusing and misleading. For most loans, making two half payments each month won’t accelerate your mortgage loan payoff any faster than one full payment. Only mortgages that are closed as true bi-weekly mortgages benefit from making a payment every 14 days. You can, however, accelerate your mortgage loan payoff by making an extra half payment every six months or an extra full payment one a year.


When Can My PMI Coverage Be Dropped?

Private Mortgage Insurance (PMI) is typically required to be in effect until your loan balance reaches a certain loan-to-value (LTV) percentage based upon the sale price or appraised value of the home. Depending on the property type, this can be anywhere from 60-80% LTV. Since there are various terms and conditions that may apply, be sure to review your final PMI disclosure for specific information about your particular mortgage.


Can I Make An Extra Principal-Only Payment?

Yes – just call or e-mail us and one of our Servicing Specialists will be happy to help.


Does OWF Sell My Loan and Personal Information To Third-Party Solicitors?

Absolutely not. We respect your privacy and do not sell or provide your loan information to any outside company or enterprise for solicitation purposes. However, real estate information is a matter of public record, so you may receive solicitations from companies referencing your new mortgage loan.


Can I Change The Monthly Due Date Of My Mortgage?

Your actual due date cannot be changed once your loan is closed. However, in many cases you can set up a payment date different from your due date (subject to any grace period and late fees as applicable).

We're here to help answer your questions.

If you need further assistance, please contact us and we'll be happy to help you.

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