COVID-19 Mortgage Assistance Program

WaFd Bank is pleased to provide an assistance program specifically designed for homeowners impacted by the Coronavirus that allows monthly mortgage payments to be deferred for three months. Please note that home equity lines of credit (HELOCs), custom construction loans, lot loans without a monthly principal and interest payment, and other personal loans are not eligible for this program.

To apply, please complete the required application by clicking on:

If you are unable to complete the application through this link, please contact us at for alternative options.

We will review your application and follow up as soon as possible to let you know if we need anything further or next steps.

If you have any questions or need assistance with the application process, please email us at or call (866) 453-9710.

Other Options for Homeowner Assistance

WaFd Bank’s Homeowner Assistance Department is here to assist our mortgage customers faced with financial difficulty. There are programs that allow homeowners stay in their homes by providing temporary changes to their monthly payment, by adjusting the interest rate or other terms of the loan. There are also options for homeowners that no longer wish to keep their home. Some of the possible options that may be available to you are:

  • Refinance: You may be able to refinance your loan with us or another lender.
  • Modification of your Existing Loan: You may be able to adjust your current loan terms with us.
  • Sale of your home: You may be able to sell your home and satisfy your mortgage, even if the sale price is less than your current loan balance.
  • Deed-in-Lieu of Foreclosure: You may be released from your mortgage if you transfer ownership of your home to WaFd Bank.

To proceed with an application or obtain additional information, you may contact your local WaFd Bank branch, call (866) 453-9710, or email

Below is a list of documents required for an application. There may be additional documents or information requested upon review of your application. If you are unable to print the forms linked below, contact us and we will mail them to you.

  • Homeowner Assistance Application, fully completed and signed
  • Questionnaire and Acknowledgment, fully completed and signed
  • A letter detailing the financial difficulties and the assistance requested (“hardship letter”)
  • Pay stubs, if applicable, for the prior two months
  • All W-2’s received for the prior year
  • All bank and investment account statements, not including retirement accounts, for the prior two months
  • Prior two (2) years signed tax returns with all schedules, if self employed
  • Past two year end and year to date financial statements (profit and loss and balance sheet) for any entities owned by the borrowers, if applicable

Please email us at for a secure link to send the information electronically or mail the information to the below address:

WaFd Bank
Attn: Homeowner Assistance Department
425 Pike Street
Seattle, WA 98101

Additional Resources

For additional help in exploring your options, the Federal government provides a list of Housing and Urban Development (HUD) approved, nonprofit, home ownership counseling organizations:

United States Department of Housing and Urban Development (HUD)

Toll-free: (800) 569-4287