“You Still Have Time — But Not Much”
If you’ve fallen behind on your mortgage in Washington, you’re not alone — and it doesn’t have to end in foreclosure.
Every month, dozens of homeowners across Spokane, Tacoma, Yakima, and other Washington cities are hit with default notices. Most feel trapped, embarrassed, and unsure of what to do next.
But here’s the truth: you still have options. And one of the fastest, most stress-free solutions is to sell your home directly to a cash buyer — like us at REI Branded Home Buyer.
Let’s walk you through what foreclosure really means, what timelines look like in Washington, and how a cash sale could save your credit, your equity, and your sanity.
What Is Foreclosure?
Foreclosure is the legal process your lender uses to take your home when you stop making payments.
In Washington, the most common type is nonjudicial foreclosure, meaning the bank doesn’t have to go to court. Once you’re 90+ days behind, the process moves fast — and you could lose your home in as little as 6 months from your first missed payment.
What Happens When You Miss a Payment?
Here’s the rough timeline:
- 30 Days Late: You’ll get a late notice and fee
- 60 Days Late: Collections begin
- 90 Days Late: The lender issues a Notice of Default
- 120+ Days: You may receive a Notice of Trustee Sale
- Following Months: Your home is auctioned off — unless you stop the process
At any point before the auction, you can still sell the home, pay off the debt, or negotiate with the lender.
Why Selling to a Cash Buyer Can Help
Trying to list your house with an agent when you’re facing foreclosure is risky — time is working against you. Buyers with loans take too long, inspections can cause delays, and your credit is already in freefall.
Selling to a cash buyer can:
✅ Stop foreclosure in its tracks
✅ Get you paid in as little as 7–10 days
✅ Avoid auctions and public embarrassment
✅ Preserve your credit
✅ Give you a fresh start
Real Story: A Spokane Home Saved in 8 Days
A couple in Spokane contacted us just two weeks before their home was scheduled for auction. They had tried working with their bank but hit red tape and radio silence.
We evaluated the home the same day, gave them a fair cash offer, and closed in 8 days — well before the auction date. They avoided foreclosure, saved their credit score, and walked away with enough to rent a new place and start over.
Can You Sell a House in Foreclosure in Washington?
Yes — right up until the auction date. Washington law allows homeowners to sell during any stage of pre-foreclosure or foreclosure.
If you sell before the auction, you can:
- Pay off the remaining balance
- Stop foreclosure from hitting your credit
- Avoid a forced sale
- Possibly walk away with equity
But you need a buyer who can move FAST — and that’s where we come in.
What If You Have No Equity?
Even if your house is “underwater” (you owe more than it’s worth), there are still ways we can help. We’ve helped homeowners in Washington work through:
- Short sales
- Loan assumptions
- Creative financing
- Subject-to purchases
Our goal is to find a solution — even if the numbers don’t look great.
What If the House Is in Bad Shape?
No problem.
We specialize in buying homes that:
- Need major repairs
- Are vacant or abandoned
- Have fire, water, or mold damage
- Are mid-remodel
- Have liens or code violations
You don’t have to fix a thing. We buy as-is, and we mean it.
How the Process Works
- Call 509-769-3439, email us, or contact us here
- We assess your property quickly — no appraisals, no agents
- You get a cash offer — usually within 24 hours
- If you accept, we can close in 7–14 days
- You walk away free and clear — no auction, no stress
We even pay closing costs.
What If You’ve Already Received a Notice of Trustee Sale?
You still have time — but it’s ticking.
If your house is scheduled for auction, we need to act fast. We’ve worked with title companies and attorneys across Washington to buy homes within a week, stopping foreclosure even days before the sale.
But we can’t help if you don’t call. Contact us now to talk through your options — free and confidential.
Where We Help Homeowners Avoid Foreclosure in Washington
We work across the state, including:
- Spokane & Spokane Valley
- Tacoma
- Yakima
- Kennewick, Pasco, Richland
- Vancouver
- Everett
- Walla Walla
- Pullman
- Moses Lake
- Ellensburg
- Bellingham
- Olympia
- Centralia
- Washington State
You Still Have Time — But Not Much
If foreclosure is coming, don’t wait. The sooner you act, the more options you’ll have.
📞 Call 509-769-3439
📧 Email: info@reibrandedhomebuyer.com
💬 Or contact us here — no pressure, just help
We’re local. We’re fast. And we’re ready to help you move on.
⚖️ Legal Disclaimer
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Please consult an attorney or financial advisor before making decisions related to bankruptcy or foreclosure.
Sell Your Washington House Fast Today
About REI Branded Home Buyer
Real People. Real Stories. Real Solutions. We’re George and TJ — two regular guys who teamed up to create REI Branded Home Buyer, a local company with one simple mission: to help people sell their homes without stress, games, or pressure. We actually met at a local real estate meetup. A mutual friend randomly shouted, “Hey George, do you want to be this guy’s mentor?” George laughed and said, “Just give him my cell!” A coffee meeting later, and the rest is history. We've been working together ever since. Our passion for helping homeowners comes from personal experience. George was once homeless, so he deeply understands what it’s like to face housing uncertainty. TJ’s family went through a crisis and had to sell their home fast — with the help of a cash homebuyer. Those experiences shaped who we are and inspired us to create a company that treats people the way we wish we’d been treated. Let’s be real: the real estate world is full of shady companies, pushy salespeople, and sleazy homebuyers who care more about profit than people. We started REI Branded Home Buyer because we believe it should be the other way around — people first, profit second. We’re proud to call Spokane home. Our wives, Jenny and Michelle, love the slower pace of life here and all the outdoor beauty Washington has to offer. George and Jenny have two amazing daughters and two dogs — they love to travel and recently visited Japan to see their daughter abroad. TJ and Michelle are outdoor lovers through and through — backpacking, hiking, hunting, fishing, even rock climbing. Michelle’s become quite the mountaineer! If you’re thinking about selling a house — no matter the reason — we’d love to hear your story and see how we can help.