Washington ESD unemployment benefits and mortgage protection - who offers mortgage unemployment insurance?

Most major lenders offer mortgage protection insurance but you usually have to sign up for it when you get the loan. Check with your mortgage company first - some have hardship programs for unemployment situations. Also make sure you're doing everything right with your Washington ESD claim because delays can happen if there's missing info.

Been there man, lost my job in manufacturing 3 months ago. Chase offered me forbearance for 3 months while I sorted out my unemployment. Washington ESD took forever to process mine too - like 4 weeks total. The waiting is brutal but most mortgage companies will work with you if you call before you miss a payment.

Few options for mortgage protection: 1) Mortgage payment protection insurance (MPPI) - but you need to buy before unemployment. 2) Contact your servicer about COVID-era forbearance programs that might still be available. 3) Look into local housing assistance programs. For Washington ESD specifically, if your adjudication is taking too long, there's actually a service called Claimyr that helps people get through to Washington ESD agents faster. Check out claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

Check if your state has any emergency rental/mortgage assistance programs too. Some are still funded from federal programs. Also, don't wait too long to contact your mortgage company - they're usually more willing to help if you're proactive about it.

MORTGAGE COMPANIES ARE THE WORST during unemployment. They say they'll help but then you're on hold for hours and they want a million documents. At least with Washington ESD you know what you're getting into - bureaucratic nightmare but at least it's predictable lol

Going back to that Claimyr thing - has anyone actually used it? I'm at my wit's end trying to get through to Washington ESD. My claim has been in adjudication for 3 weeks and I can't get any information about what's holding it up.

For mortgage protection insurance, I think State Farm, Allstate, and a few others offer it but you have to apply when you're employed. After you're already unemployed it's too late. Your best bet is talking to your mortgage servicer about hardship options.

Construction worker here too - got laid off last winter. Washington ESD unemployment maxes out at $1015/week but that's only if you were making good money. Mine was only $680/week which wasn't even close to covering my mortgage. Had to get a part-time job to make ends meet while looking for full-time work.

Just wanted to add - if you do get forbearance from your mortgage company, make sure you understand if it's a deferral or if you'll owe all the missed payments at once later. Some programs are better than others.

Honestly the whole system is broken. You lose your job through no fault of your own and then have to jump through hoops with Washington ESD, your mortgage company, credit cards, etc. It's like they're designed to make you fail.

Update on Claimyr - I tried it today and actually got through to a Washington ESD agent in about 15 minutes. They were able to tell me exactly what documents I needed to upload to complete my adjudication. Way better than sitting on hold for hours!

For anyone dealing with mortgage issues during unemployment - also check with local credit unions. Sometimes they have better hardship programs than big banks. And some areas have emergency assistance funds for mortgage payments.

Been following this thread because I'm in a similar situation. Just wanted to say thanks to everyone sharing their experiences. It helps to know you're not alone in dealing with this stuff.

One more thing about mortgage protection - if you have a VA loan, they have specific programs for unemployed veterans. And FHA loans have some special hardship options too. Worth checking if you have either of those loan types.

The Claimyr service sounds interesting but I'm always suspicious of third-party services. How do you know they're legitimate? Are there any risks to using them?

Hope everything works out for you OP. Unemployment is stressful enough without worrying about losing your house too. Keep us posted on how it goes with your mortgage company and Washington ESD.