“How REI Branded Home Buyer Can Help”
If you’re thinking about selling your house but you still owe money on the mortgage, you’re not alone. This is one of the most common situations we see at REI Branded Home Buyer, and the good news is: yes, you can sell your home even if you still have a loan on it.
Whether you’re behind on payments, need to relocate, or just want out of the property—there are options.
Let’s break it all down.
Can You Sell a House With a Mortgage in Washington?
Absolutely. In fact, most homes sold in Washington still have an outstanding mortgage. When you sell, your mortgage gets paid off at closing from the proceeds of the sale.
Here’s what that looks like:
- You get an offer on your house
- At closing, the title company uses sale proceeds to pay off your remaining loan
- Whatever’s left goes to you
Pretty simple, right?
What If You Owe More Than the House Is Worth?
If your mortgage balance is higher than your home’s market value, this is known as being “underwater” or “upside down.” This can be a little more complicated, but it’s not a dead end.
Here are some options:
- Bring cash to closing to make up the difference
- Ask your lender for a short sale (where they agree to accept less than the loan balance)
- Negotiate a creative solution like seller financing or a subject-to deal
- Work with a cash buyer like us who can help structure a deal that works for you and the lender
Why Would You Sell If You Still Owe?
People choose to sell their homes with remaining mortgage balances for all kinds of reasons:
- Divorce or separation
- Job loss or income changes
- Foreclosure risk or missed payments
- Relocation for work
- Property needs expensive repairs
- Inherited property with liens or reverse mortgage
- Downsizing or lifestyle changes
We’ve helped folks in Centralia, Everett, Kennewick, and all over Washington with these situations.
Can You Sell a House That’s in Foreclosure?
Yes—but you have to act fast. In Washington, you have a limited window to stop the foreclosure process and sell the property before the auction date.
We specialize in helping homeowners navigate this process with speed and discretion. In some cases, we can even work with your lender to delay the foreclosure and close the deal.
Selling As-Is Can Make the Process Easier
If your house needs repairs—or if you’re just done with it—selling to a local Washington cash buyer like REI Branded Home Buyer might be your best option. We’ll buy the house as-is, pay off your mortgage, and help you walk away clean.
Here’s How It Works
- You reach out (no pressure)
- We evaluate the house and your mortgage situation
- We make a fair cash offer
- We close quickly and help pay off the loan
- You move on with your life
No realtors, no commissions, no waiting.
You’re Not Stuck—Let’s Talk
It can be stressful to feel trapped in a house with debt, but you’re not stuck. You’ve got options—and we’re here to help you explore them.
📞 Call or text: 509-769-3439
📧 info@reibrandedhomebuyer.com
🔗 Contact Us
Let’s talk through your numbers, your goals, and your timeline. We’ll give you a clear path forward—even if you’re upside down or in foreclosure.
Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Please consult a qualified professional regarding your mortgage or foreclosure situation.
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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.