- Judicial Foreclosure Available: Yes - Non-Judicial Foreclosure Available: Yes - Primary Security Instruments: Deed of Trust, Mortgage - Timeline: Typically 120 days - Right of Redemption: Yes, but may be precluded. - Deficiency Judgments Allowed: Yes In Washington, lenders may foreclose on deeds of trusts or mortgages in default using either a judicial or non-judicial foreclosure process. Judicial Foreclosure The judicial process of foreclosure, which involves filing a lawsuit to obtain a court order to foreclose, is used when no power of sale is present in the mortgage or deed of trust. Generally, after the court declares a foreclosure, the property will be auctioned off to the highest bidder. Non-Judicial Foreclosure The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the "Power of Sale Foreclosure Guidelines". Power of Sale Foreclosure Guidelines If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows: - The notice of sale must be transmitted both by regular mail and by certified mail, return receipt requested, to the borrower at their last known address, and by regular mail to the attorney of record for the borrower, if any, not less than thirty (30) days prior to the day of sale.
The sheriff must publish a notice of the sale once a week, consecutively, for four (4) weeks, in any daily or weekly legal newspaper of of general circulation published in the county in which the property is located. Additionally, the sheriff must also post the notice in two public places, one of which must be the courthouse door, in the county where the sale is to take place for a period of not less than four weeks prior to the day of sale.
Said notice must contain the time and place of the foreclosure sale, the names of the parties to the deed, the date of the deed, recording information, a property description, the terms of the sale, and the borrowers rights (or lack of) redemption.
- The borrower has up to eleven (11) days before the sale stop the foreclosure process by paying the past due payments, plus expenses, including trustee and attorney fees.
- The sale must be made by auction between 9:00 am in the morning and 4:00 am in the afternoon at the courthouse door on Friday unless Friday is a legal holiday and then the sale must be held on the next following regular business day. The sale may not be conducted less than 190 days from the date of default and the highest bidder will receive a certificate of sale.
The sheriff may postpone the sale (not exceeding one (1) week next after the day appointed) by giving notice and by posting written notices of the adjournment under the notices of sale originally posted.
Unless redemption rights have been precluded, the borrower may, within eight (8) months after the date of the sale, redeem the property by paying the amount of the highest bid at the foreclosure, plus interest. If the non-judicial foreclosure process is used by the lender, then it cannot sue for a deficiency judgment. On judicial foreclosure sales, the borrower can be sued for a deficiency, unless the property is found to be abandoned for six (6) months before the decree of foreclosure.
source
http://www.foreclosurelaw.org/Washin...losure_Law.htm Major Elements of Washington Foreclosure Include:
1. Mailing and posting the Notice of Default out (wait approximately 30 days).
2. Setting the Trustee's Sale that includes recording mailing and posting of the Notice of Trustee's Sale (must be done more than 90 days before sale date).
3. Publication - 2 times at specific intervals in the last month before sale.
4. Holding the Sale (Must be at least 190 days after date of first default)
5. Sales can be continued up to 120 days.
Washington Foreclosure Notice of Default Washington foreclosure law states that at least 30 days prior to setting a Trustee's Sale, the beneficiary or trustee must mail a Notice of Default to the borrower and grantor both by first class and certified or registered mail, and either post the Notice of Default on the premises or personally serve the Notice on the borrower and grantor. The Notice of Default identifies the Deed of Trust and the nature of the default, and gives an itemized account of the arrearage and the foreclosure costs and fees. Loans that are being foreclosed non-judicially may be reinstated any time up through 11 days before the Trustee's Sale. Whether to accept reinstatement after that date is the prerogative of the lender. The loan may be paid off at any time before the sale.
Washington Foreclosure Notice of Trustee's Sale
After 30 days have elapsed from the mailing and posting or serving of the Notice of Default, and at least 90 days prior to the sale,
Washington foreclosure law requires the trustee to mail a Notice of Trustee's Sale to the borrower and grantor and to lien holders, and other parties with an interest in the property who are specified in the Deed of Trust Act.
1. The Notice of Trustee's Sale must also be recorded with the auditor of the county where the property secured by the Deed of Trust is located, and either posted or personally served more than 90 days before the sale date.
2. The trustee must also mail a Notice of Foreclosure to the grantor with the Notice of Trustee's Sale. Trustee's Sales may only be set in public places on Fridays between 9:00 a.m. and 4:00 p.m., unless Friday is a legal holiday, in which case, it may be set on the following Monday.
3. The Notice of Trustee's Sale must be published in a legal newspaper at specified times on 2 occasions in the month before the sale. The Trustee's Sale may be continued by the trustee for any cause the trustee deems advantageous, for a period or periods not exceeding 120 days. A Trustee's Sale may be reset for a date no sooner than 45 days after a bankruptcy case is dismissed or closed or relief granted from the automatic stay, if the sale was stayed by the bankruptcy and the time (120 days) has elapsed for continuing the
Washington foreclosure sale.
Trustee's Sales are made without warranty as to title, possession, or encumbrances. After the Sale, a Trustee's Deed is recorded reciting that the Sale was conducted in compliance with the Deed of Trust Act. The Act contains special provisions regarding the procedure for restraining a Trustee's Sale.
source
http://www.foreclosureuniversity.com...washington.php 
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Washington Foreclosure Law 
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