“Your Trusted Home Buyer REI Branded Home Buyer”
The Complete Guide to Avoiding Foreclosure in Tacoma, WA
If you’re behind on your mortgage payments in Tacoma, you’re not alone — and you’re not out of options.
Foreclosure can feel overwhelming. The stress. The phone calls. The notices. But there are real solutions that don’t involve losing your home or wrecking your credit. This guide walks you through everything you need to know to avoid foreclosure and move forward fast.
At REI Branded Home Buyer, we help Tacoma homeowners find solutions — including selling your house fast before the foreclosure clock runs out.
🏚️ What Is Foreclosure and How Does It Work in Washington State?
Foreclosure is the legal process your lender uses to take back your home when you stop making mortgage payments. In Washington, most foreclosures are nonjudicial (handled outside of court).
Timeline Highlights:
- Missed Payments: Typically after 90 days, you enter default.
- Notice of Default: You receive this official document from the lender.
- Notice of Trustee Sale: 30 days later, your home can be scheduled for auction.
- Foreclosure Sale: Usually occurs about 120–150 days after default begins.
▶️ Notice of Trustee Sale – RCW 61.24.040
▶️ Notice of Default – Wikipedia
⚠️ What Happens If You Do Nothing?
- Your home is sold at auction
- You lose any equity you built
- Your credit score tanks for 7 years
- You may still owe money depending on the loan
- Finding new housing can become difficult
✅ Top Options to Avoid Foreclosure in Tacoma
🔹 Loan Modification
Work with your lender to change loan terms and catch up gradually.
🔹 Repayment Plan
Set up a schedule to pay the past-due amount over time.
🔹 Forbearance
Pause payments temporarily if you’re facing a short-term hardship.
🔹 Refinance (Before Auction)
If your equity and credit allow, refinance into a more manageable mortgage.
🔹 Sell Your Home As-Is for Cash
The fastest, cleanest way to avoid foreclosure and protect your credit.
💰 Why Selling to REI Branded Makes Sense
- We buy your home as-is — no cleaning, repairs, or staging
- We move fast — offers in 24 hours, closings in 7–14 days
- We work with your lender and trustee to stop the foreclosure
- You keep your dignity — and often walk away with cash
- We serve all neighborhoods: Hilltop, South Tacoma, Eastside, Fern Hill, North End
🧾 Real Tacoma Foreclosure Cases We’ve Helped
- A South Tacoma home 90 days from auction with $40k in back payments
- A Lincoln District rental with squatters and a code violation lien
- A McKinley Hill property stuck in pre-foreclosure with an inherited title
- A North End home abandoned after a divorce and job loss
📚 Helpful Resources for Homeowners in Foreclosure
- Washington Department of Revenue – Real Estate Help
- HUD – FHA Foreclosure Assistance
- RCW 60 – Lien Law
- WA Financial Assistance Resources
- IRS Tax Lien Info
🧠 Pro Tip: Don’t Wait for the Auction Date
Once the Notice of Trustee Sale is posted, time moves fast. We can still help up to a few days before auction — but the sooner we talk, the better your outcome.
📍 Learn More on Our Tacoma Buyer Page
📧 Email Us Directly
👉 Click here to request a confidential, no-pressure cash offer before foreclosure hits.
Disclaimer:
This blog post is for informational purposes only and does not constitute legal, financial, or real estate advice. Always consult with appropriate professionals before making any decisions regarding the sale of your property.
Sell Your Tacoma 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.