“Let’s Talk Before Foreclosure Hits”
If you’ve missed a mortgage payment — or are about to — you’re not alone. Every year, thousands of Washington homeowners find themselves in the same stressful situation. Whether it’s due to job loss, medical bills, divorce, or unexpected life changes, falling behind can feel overwhelming.
But here’s the good news: you have options. And the sooner you act, the more control you have over the outcome.
At REI Branded Home Buyer, we work with homeowners across Washington state to offer fast, fair, and pressure-free solutions — including buying your house as-is for cash, even if you’re behind on payments.
How Late Mortgage Payments Work
Let’s break it down:
- Day 1: Payment is due
- Day 15: You may incur a late fee
- Day 30: Loan is officially “delinquent”
- Day 60–90: You’re at risk of pre-foreclosure
- Day 120+: Your lender may begin foreclosure proceedings
Once you hit 90+ days, lenders often start the legal foreclosure process. That’s why acting early is your best weapon.
Common Reasons People Fall Behind
We’ve worked with homeowners all across Spokane, Tacoma, and Vancouver going through:
- Job loss or reduced hours
- Medical emergencies and hospital bills
- Divorce or separation
- Rising mortgage rates or property taxes
- Inherited homes with unpaid loans
- Tenant issues in rental properties
Life happens — and missing a payment doesn’t make you a failure. The key is knowing your next move.
What Are Your Options If You’re Behind?
Here’s a breakdown of the most common paths:
🛠 1. Loan Modification
You can request a modification from your lender to reduce your interest rate or extend your loan term.
Pros: Keeps you in the home
Cons: Long approval process, doesn’t reduce your principal
🕒 2. Forbearance
Lenders temporarily pause or reduce your payments — usually for a few months.
Pros: Short-term relief
Cons: Full amount due later, and interest continues accruing
💰 3. Repayment Plan
If you missed a few payments, the lender may let you catch up by increasing your monthly payments.
Pros: Keeps foreclosure off your record
Cons: Higher payments may not be sustainable
🏡 4. Sell the House Before Foreclosure
If you can’t afford the home anymore — or just want a fresh start — this is the fastest way to avoid serious financial damage.
That’s where REI Branded Home Buyer comes in.
Why Selling to a Cash Buyer Makes Sense
If your back’s against the wall, selling your home the traditional way isn’t realistic. You’re looking at:
- Showings, inspections, and agent fees
- 30–60+ days to close
- Repairs, cleaning, and staging
- Appraisals and buyer financing delays
Instead, we offer:
✅ Cash offers in 24 hours
✅ No repairs or clean-up
✅ Close in 7–14 days
✅ We handle all paperwork and fees
✅ You walk away with cash — no stress
How the Process Works
Here’s how to get started:
- Call us at 509-769-3439 or email us
- Or reach out through our Contact Page
- We’ll review your situation and property
- You get a cash offer within 24 hours
- You pick your closing date — fast or flexible
- We handle the rest (including back payments if needed)
We’ve helped homeowners avoid foreclosure, settle with their lender, and walk away debt-free.
Real Story: We Helped a Yakima Family Move On
A family in Spokane reached out after missing three months of mortgage payments. They had no savings and couldn’t keep up after a medical emergency.
Within 48 hours of calling us, we gave them a cash offer, helped them communicate with their lender, and closed in just over a week. They avoided foreclosure, saved their credit, and moved into a more affordable rental.
Frequently Asked Questions
Q: Can I sell even if I’m in pre-foreclosure?
Yes — in fact, it’s one of the best times to sell. We can help stop the process before it hits court.
Q: What if I owe more than the house is worth?
We’ll review the numbers with you. If a short sale is possible, we’ll help negotiate with your lender.
Q: Will you still buy if I have liens or past-due taxes?
Yes — we factor those into our offer and handle the logistics.
Where We Help in Washington State
We help homeowners avoid foreclosure and sell quickly in:
- Spokane & Spokane Valley
- Tacoma
- Vancouver
- Yakima
- Kennewick, Pasco, Richland
- Walla Walla
- Everett
- Bellingham
- Pullman
- Ellensburg
- Moses Lake
- Olympia
- Centralia
- And all throughout Washington
Let’s Talk Before Foreclosure Hits
Every day matters when you’re behind on payments. Don’t wait until your lender starts court proceedings. The sooner we connect, the more options you have.
📞 Call: 509-769-3439
📧 Email: info@reibrandedhomebuyer.com
💬 Contact us here
Behind on your mortgage? Let’s fix that before it gets worse.
⚖️ 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 foreclosure or missed mortgage payments.
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.