The five banks covered under the National Mortgage Settlement have reported providing over $1.2 billion in consumer relief to Washington homeowners.

As of June 30, 2013, bank reports, 16,377 Washington state borrowers have received an average of $74,763 in relief. This relief includes debt reduction loan modifications on first and second mortgages, lower interest rates on underwater mortgages, and transitional assistance for those unable to remain in their homes.

If you are having problems paying your mortgage (or believe that you may in the future), or if you are behind on your payments and facing foreclosure, call a home counselor free of charge at 1-877-894-HOME (4663). Or for more information, go to www.atg.wa.gov.