Sell a House Before Foreclosure in Tacoma
You may be able to sell a Tacoma house before foreclosure, but the answer is in your notice and in Pierce County title, not in a King County checklist. KindKey Home Buyers LLC buys Tacoma houses directly. Our office is in Auburn. We are not a real estate agent, and being based in King County does not make your Tacoma loan a King County matter.
Tacoma is a large Pierce County city. The North End, Proctor, the Stadium District, Hilltop, the Eastside, and South Tacoma have different houses and different prices. A default on an older North End house with plaster and a long-held loan is not the same file as a newer South Tacoma house with a recent payment shock. KindKey looks at the specific house. We do not publish a Tacoma foreclosure rate, and we will not invent one.
KindKey does not provide legal or tax advice. Talk with a Washington attorney before you sign. Washington has distressed-property rules under RCW 61.34. KindKey does not interpret those rules or tell you whether they apply to your sale.
Pierce County is the record that matters
Payoffs, tax liens, and any court case tied to a Tacoma house run through Pierce County systems and the City of Tacoma where a local code case is also open. University Place and Fircrest are next door and are not Tacoma. Fife is not Tacoma. If your notice uses a Tacoma address, stay on this page and let your attorney confirm the parcel. If the house is actually in University Place, use the cash-offer form with that city named.
We can schedule a visit from Auburn without asking you to host a series of showings along I-5 or SR-16. Vacant houses in Hilltop and South Tacoma are particularly hard on owners who have already moved, because break-ins and code complaints continue while the payment default continues. Selling as-is can address the property. It does not automatically address the foreclosure.
What a cash sale changes, and what it does not
If the closing can pay what must be paid, a sale can retire the mortgage debt from proceeds. If it cannot, the lender has to be part of any shortfall discussion, and KindKey will not pretend to negotiate that for you as your representative. The settlement statement is where the numbers have to be visible before you deed the house.
KindKey does not charge an agent commission or a separate assignment fee. We may repair, hold, or resell after we own the house. That is ordinary principal-buyer work. It is not a counseling service. RCW 61.34 is one reason to have your own lawyer read both the notice and the offer.
- Pierce County houses inside the City of Tacoma
- North End, Proctor, Stadium District, and Hilltop
- Eastside and South Tacoma houses
- Houses with deferred repairs that a financed buyer would flag
- Houses with occupants, if you do not use an illegal lockout to get them out
Timing
Tell us the date printed on your papers and whether an attorney has already told you a last responsible day to close. We can aim the purchase at a date the closing agent can actually meet. We cannot shrink a trustee’s process because Tacoma is busy or because you are ready.
If probate and foreclosure are both open, stop and get advice on who can sign. An heir’s willingness is not the same thing as authority. KindKey will not guess.
Related pages
KindKey Home Buyers purchases properties as a principal buyer and is not acting as the seller’s real estate agent. KindKey does not charge the seller an agent commission or a separate service or assignment fee. Responsibility for escrow, title, excise tax, recording, and other closing costs will be clearly stated in the written purchase agreement and may vary by transaction. The seller’s final proceeds may be reduced by mortgage payoffs, liens, taxes, prorations, utility balances, or other obligations associated with the property. Escrow or the closing agent will provide the seller with a settlement statement showing all charges and final proceeds before closing.
Frequently asked questions
Request a Tacoma cash offer and have an attorney read it
Pierce County notices need a Pierce County answer. KindKey supplies the purchase offer.
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