Stop Foreclosure in Washington, D.C. — Trusted Help to Save Your Home

If you’re behind on your mortgage payments in Washington, D.C., you’re not alone — and you still have options. UCMA has helped thousands of homeowners stop foreclosure, negotiate loan modifications, and stay in their homes. Our team works directly with your mortgage servicer to secure real solutions that protect your home and give you financial breathing room.

Immediate Steps for DC Homeowners

If you have received a Notice of Default or an Order to Docket, time is critical

Don’t Ignore the Mail: In DC, lenders must send you specific forms before they can foreclose. 

Warning: Beware of “foreclosure rescue” scams.

Official Washington DC Government Resources

These agencies regulate the foreclosure process and provide direct assistance to residents.

• DC Department of Insurance, Securities and Banking (DISB)
  • Role: They run the Foreclosure Mediation Program. If you want to stop the process and talk to your lender, you go through them.
  • Website: DISB Foreclosure Prevention
  • Phone:(202) 265-CALL (2255)
• DC Housing Finance Agency (DCHFA) 
  • Role: Manages programs like “HomeSaver” (availability of funds varies) which can help with mortgage payments for unemployed or underemployed homeowners. 
  • Website: DC Housing Finance Agency
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  • UCMA has helped thousands of homeowners stay in their homes. Our reputation for honest service, our expertise, and successful outcomes makes us the go-to choice for your loan modification help.
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  • Loan Modification Help for D.C. Homeowners

    A loan modification is often the most effective way to stop foreclosure in Washington, D.C. UCMA helps you:

    • Prepare a complete, accurate application
    • Submit all required financial documents
    • Communicate with your servicer
    • Respond quickly to requests
    • Negotiate terms that fit your budget

    • Even if you’ve been denied before, you may still qualify for a modification with the right guidance.

    • How UCMA Can Help

    • We have been assisting homeowners since 1997. We understand the specific bank requirements for loan modifications and can help you prepare the strongest possible package for your lender.

    • Read our Success Stories: UCMA Client Reviews
    • Learn More: Visit our Blog for the latest mortgage news.
    • Get Help: Contact Us Today
      

       

      Your Rights Under D.C. Foreclosure Law

      D.C. homeowners have important protections:

      • You must receive proper notice before foreclosure
      • You have the right to request loss mitigation
      • Servicers must review your application before proceeding
      • You may qualify for mediation depending on your circumstances
      • Federal guidelines protect you during the review process

      UCMA helps ensure your rights are respected and your case is handled properly.

    • Legal Aid & Counseling in DC

    • If you need legal advice or representation in DC Superior Court, these non-profit organizations are trusted and verified.

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    • Legal Aid Society of the District of Columbia

      • Role: Provides free legal services to low-income residents facing foreclosure.
      • Website: Legal Aid DC Foreclosure Help
      • Housing Counseling Services (HCS)
      • Role: A HUD-approved non-profit that provides free counseling and can help you complete the Mediation Election Form.Website: Housing Counseling Services
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      • Frequently Asked Questions (Washington DC)

      • Q: How long does the foreclosure process take in DC?
      • A: Federal law generally prevents a servicer from making a first notice or filing for foreclosure until you are more than 120 days behind on payments. In DC, the process can be “judicial” (through the court) or “non-judicial” (outside of court), but mediation can pause the timeline significantly.
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      • Q: What is the DC Foreclosure Mediation Program? A: It is a program that allows you to meet with your lender and a neutral mediator to discuss alternatives to foreclosure, such as loan modifications or repayment plans. You generally have 30 days from receiving the Notice of Default to elect mediation.
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      • Q: Can I stop a foreclosure auction in DC? A: Yes, but you must act fast. filing for bankruptcy, securing a temporary restraining order (TRO) with a lawyer, or successfully entering the mediation program can often halt a scheduled sale.
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      • Ready to Take Action? For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.