Foreclosure help in Thurston County
Covering Olympia. If you are behind on a mortgage here, the two things worth knowing first are where your paperwork gets filed and how much time that leaves you.
Where a Thurston County foreclosure actually happens
Washington forecloses non-judicially, so no judge is involved: a trustee runs the sale under RCW 61.24. For property anywhere in Thurston County the Notice of Trustee Sale is recorded with the Thurston County Auditor, and the sale is held at the county seat in Olympia — whether the home is in Olympia or anywhere else in the county.
That notice is a public record. Before you decide anything, pull your own file at the Thurston County Recorder, or read the Washington foreclosure timeline and match it against the letters you have been sent. The date on the notice is the only one that counts.
Questions we get from Thurston County homeowners
Where is a Thurston County trustee sale held?
At the county seat, Olympia. The Notice of Trustee Sale is recorded with the Thurston County Auditor and that recording is public, so you can look up your own file and read the sale date off it rather than take anyone's word for it.
Is the process different in Thurston County?
The law is not - RCW 61.24 sets one non-judicial process for all of Washington. What is local is where your notice is filed and where the sale happens, which for you means Olympia. What actually changes your timeline is your loan, your servicer and which notices have already gone out.
Which Thurston County towns do you work in?
Olympia, and the smaller communities around them. If your town is not on that list we very likely still cover it - the county is what matters, not the city line.
Who can I talk to who is not trying to sell me something?
A HUD-approved housing counselor, free and independent of us, at 1-800-569-4287. We will point you there even if it means you never call us back.
Options, honestly
Selling is one route and often not the best one. Reinstating, a repayment plan, a modification and a short sale are all on the table depending on your equity and income — we lay out every option and what each one costs you. We only make an offer if selling is genuinely the right move.
Talk it through — free
No fees, no pressure, no obligation to sell.