The Importance of the FFA Mediation Program

Here’s a happy client story from Senior Housing Counselor and Compliance Officer, Shelley Doran. The Foreclosure Fairness Act mediation program is a very strong tool for struggling homeowners, as you’ll see below:

“Mr. G. is very ill, has some dementia and had a massive stroke and is now confined to a wheelchair.  Mrs. G. works full time and is his caregiver. Any discussion of moving out of the family home was not possible given Mr. G’s grave health. 

The investor on the couple’s mortgage is Fannie Mae, and Fannie Mae has a no exception policy to their 20% equity  guideline.  If you have more than 20% equity you will not get a modification.  

We went to mediation and the lender denied them due to having more than 20% equity.  At mediation the lender provided an appraisal of 650K.  After doing quick math I realized what the clients owed versus the  650K appraisal put them just 7% over the threshold of approval.  I asked for another mediation session, and for a new appraisal be conducted, because the one the lender used was pre-Covid. The clients  agreed to provide and pay for their own appraisal.  Now we would have two appraisals being done, and hopefully the client’s would arrive at a less biased value. 

We provided new documents and both appraisals, The client’s came in at 600K and the lender’s came in at 650K. 

However, the lender only considered their own appraisal at 650K and denied our clients once again.  I appealed the denial and disputed the appraisal.  In disputing the appraisal, I provided appraiser guidance on adjustments that were used and proved that the appraiser “pushed” the value so the lender could deny the couple a modification based off of Fannie Mae’s 20% equity guidelines. 

The lender agreed with my appeal and approved my clients for a home loan modification, saving them $200 a month. Mrs. G. was literally overcome with emotion, she was so grateful.  Prior to entering into mediation, the couple had been denied a modification 2 previous times. 

Without the FFA mediation program, these clients would have most assuredly lost their home.”

Another garden season is possible, with Parkview

We wanted to share this beautiful client letter that shows just how important our housing counseling services are to the community. The impact counselor Rebecca Saeter had on this family was tremendous, and not soon to be forgotten. Parkview Services is here for you too, if you’re experiencing a hardship and need mortgage assistance. Give us a call at 206-542-6644.

 How do I even start this letter? I find it hard to come up with the right words to express how much we are thankful for and owe to Parkview Services and their counselor Rebecca Saeter. Without their tremendous support and Rebecca’s very hard work, knowledge and persistence we would have lost not just our home but our livelihoods as well!

There are things as a home owner you take for granted until the possibility of no longer having a home hits you. Then you have to think, how and where will we take care of our 2 large dogs and the big aquarium with the fish you jokingly call you co workers? What do we do with the heavy piano that has been in the family for 7 generations and has been entrusted to you? Will we be around long enough to harvest the garden we planted early on in the season? All small stressors in themselves but building up on top of the biggest one –how did possibly being homeless happen to us and what can we even do?

 This is why Parkview is so essential! Our predicament all started when my husband lost his job due to the company closing its doors. We got behind a month and called our mortgage lender, like most would. We were bounced around to a few different departments and finally spoke to someone who assured us it was no problem. They set up a repayment plan and gave us a start date for it. Unfortunately it was incorrect but was never communicated to us. Then by our own fault we again missed a payment. We swallowed our pride and asked our church to help with a month, then sent in our own double payment when the time came again. After a month our check was returned to us, saying it couldn’t be accepted as we were now officially in foreclosure!

 After the initial freak out and crying was over, we called a few of the numbers provided at the bottom of the official letter about the foreclosure. They weren’t much help but one suggested calling a place called Parkview Services. We still weren’t sure what to do, what the legal ramifications were and calling the mortgage company for answers proved futile.

You have NO idea what a blessing Parkview and Rebecca were (and have been)! That phone call was a game changer. No one blew us off or sugar coated the situation. Our questions were encouraged and answered in lemans terms so we could wrap our heads around what was going on and what needed to be done. It was spelled out right off the bat that it was going to need to be a group effort and we needed to roll up our sleeves with them if we were going to get answers and a solution. I admit it hasn’t been pretty and I’m pretty sure a small forest was sacrificed for all the paperwork involved. But there is absolutely NO WAY we could have done this on our own. I can’t even fathom it. The behind the scenes calls, paperwork and man hours alone are boggling! Forget even where to start, all the legal things needed and what deadlines were what.

As soon as something new came up, Rebecca was on it and kept us informed and in the loop in a timely manner. Not just for what was happening, but why and then what the next steps were to take. The services provided by people like Rebecca and her team at Parkview Services were a life saver for us. To have them all under the same roof so they are able to stay on the same page for a client is indispensible.  And that the service was provided at no cost made me want to cry all over again.

I know this is a long letter for having a hard time finding the words. There are quite a few actually, like compassionate, skilled, hard working, knowledgeable. They fit the bill for so many. But as I sit out here on my patio, watching the dogs play in the yard and thumbing through a seed catalog for another garden season, my heart is full and one word does come to mind-Remarkable. 

Parkview wins 1,251,000 Housing Preservation Grant

Good News! Parkview Services has won $1,251,000 from the Department of Commerce Housing Preservation Program to upgrade our affordable housing rental portfolio. This is the second preservation grant we’ve won, and it will allow us to better maintain and preserve housing for extremely low-income tenants with disabilities.

For more information about projects funded, please visit the HPP awards page

Covid-19 Services Update

March 25, 2020

Dear Friends of Parkview Services,

As Covid-19 continues to impact communities here in Washington and worldwide, Parkview Services remains committed to serving the public through our programs. Due to the recent statewide limitations on gatherings and the need for social distancing to stop the spread of Coronavirus, we have adapted our services in the following ways:

Parkview Services’ Shoreline office is currently closed to the public until further notice. We will be open for virtual counseling sessions and emergency in-person meetings by appointment only.

Parkview Group Home is currently not accepting visitors. Residents have limited their activities and staff are doing an excellent job keeping them safe and healthy. The group home has an ongoing need for cleaning supplies, as it is very difficult to find them in stores or online.If you would like to donate cleaning supplies, the Group Home is in need of:

  • Hand Sanitizer
  • Disinfectant wipes
  • Lysol
  • Rubbing alcohol

Please contact Lauren Sabia ( to donate these items.

Parkview Services’ Affordable Housing Program and Parkview Property Services, LLC are taking steps to reduce exposure to staff and tenants. Staff will not be visiting homes or responding to routine maintenance and repair requests, except when emergencies arise.

Emergencies: (206) 476-4994

Emergencies include:

  • Total loss of electrical power or water supply (unrelated to area wide outages)
  • Total loss of hot water or a water system leak
  • Loss of building heat
  • Major sewer drain pipe blockages
  • Plugged toilet (if property only has one toilet
  • Broken windows or external doors (that prevent locking)

Parkview Events:

  • Our Spring Dance has been postponed, with a TBD reschedule date this fall.
  • Camp Parkview is currently still scheduled for the last weekend in July. Registration is open now through April 30th.
  • Parkview’s Annual Auction Dinner is currently still scheduled for September 19th.

We will continue to monitor the situation and adjust event dates if necessary. Thank you for your understanding during this time. Please stay tuned for future updates, and be well.