Behind on Payments? Don't let the bank take what you worked for.

Avoid foreclosure and protect your future. Get paid 75% quicker, no fees, no repairs.

Get paid 75% quicker, no fees, no repairs.

What Pre-Foreclosure Means in Washington State

Pre-foreclosure is the window between your first missed mortgage payment and the formal filing of a Notice of Default. In Washington, most lenders will not begin foreclosure proceedings until you are at least 90 days delinquent, consistent with federal servicing rules under the Real Estate Settlement Procedures Act (RESPA). During this pre-foreclosure period, you still own your home and have the most options available. You can catch up on payments, negotiate a loan modification, pursue a short sale, or sell the property outright. However, each month that passes narrows your options and increases the total amount needed to cure the default, as late fees, inspection costs, and attorney fees accrue under the terms of your deed of trust.

Washington law provides a critical 90-day reinstatement period once a Notice of Default is recorded under RCW 61.24¹. During these 90 days, you have the absolute right to reinstate your loan by paying the total delinquent amount plus allowable costs. After those 90 days expire, your only option to stop the sale is to pay the entire outstanding loan balance — an amount most homeowners cannot muster. Selling during pre-foreclosure, before the Notice of Default is even filed, is the ideal strategy because it preserves your credit, avoids public records of foreclosure, and typically yields a higher sale price since there is no urgent auction deadline pressuring the transaction. A cash buyer like FIGA Properties can close in as little as 7 days, well within the reinstatement window, and pay off the mortgage to satisfy the lender in full.

The financial consequences of allowing pre-foreclosure to advance to completed foreclosure are severe and lasting. A foreclosure on your credit report can reduce your credit score by 200–300 points and remain for seven years, making it extremely difficult to qualify for a new mortgage, apartment rental, or even certain employment opportunities³. By contrast, selling your home before the Notice of Default is recorded results in no foreclosure entry on your credit report. The mortgage is satisfied, and you move forward with your financial standing intact. If you are behind on payments or expect to fall behind soon, acting quickly is the single most important factor in protecting your financial future.

Our Simple 3-Step Home Selling Process

1. Tell Us About Your Property

Submit your property using the form above - our AI instantly checks if your home qualifies for a cash offer. It's fast, secure, and confidential. Prefer to talk? Call or text us at (425) 440-7700.

2. Receive a No-Obligation Cash Offer

Our team will review your property and present a fair, no-obligation cash offer. No hidden fees, no pressure. If you decide to move forward, we'll get started immediately.

3. Close on a Timeline That Works for You

From start to finish, we handle it all. Simply choose your preferred closing date, and we'll handle the repairs, title work, and closing costs. You'll get paid fast - without the hassle.

Learn More About Our Process

More Homeowners than Ever are Selling Directly to FIGA

Selling to FIGA Properties

No Fees. We Pay All Closing Costs
No Commissions, Ever
We Handle All Repairs (We Buy As-Is)
No Showings Required (Private Sale)
Close and Get Paid 75% Quicker
Guaranteed Cash Offer (High Certainty)
Choose Your Preferred Closing Date

Working with an Agent

Seller Pays ~2% for Closing Costs
5%-6% Commission goes to the Agent
Requires Repairs & Staging Expenses
Frequent Showings and Open Houses
Closing can take 90 days or longer
Contingent on Financing, Inspections, and Appraisals (Lower Certainty)
Closing Date is Dependent on the Buyer

GET A CASH OFFER

Homeowners Helped

Offers Made

Contract Close Rate

Quicker Closing

PRINCIPLES

The beliefs that shape FIGA Properties.

We don’t cut corners - we do things right.

We’d rather lose a deal than lose our word.

We treat every property like it’s personal - because it usually is.

We solve real problems, not just buy real estate.

We Put You First - Because It's Your Home, Not Just a House.

Fair Cash Offer, Guaranteed

Receive a competitive, transparent, and no-obligation cash offer for your property. We close on your timeline.

No Repairs, No Cleaning, No Closing Costs

Sell your home as is, with no closing costs or realtor fees. Forget about expensive repairs, renovations, or even cleaning. We handle everything.

Fast & Simple Process

Experience a streamlined, hassle-free selling process. Get a cash offer you can count on and choose when you want to close.

Why Homeowners Trust FIGA Properties is The Best Choice

We Buy As-Is — No Repairs Needed!

Sell your property in its current condition. Whether it’s perfect or needs major work, we’re interested!

Zero Commissions or Fees!

Skip the stress and uncertainty of working with an agent, avoid real estate agent commissions or service fees.

We Pay All The Closing Costs!

Save even more. We cover all standard closing costs, ensuring you get the full cash offer.

Real Offers That You Can Trust to Close!

We’re backed by years of experience and operate with integrity. When we make an offer, we stand behind it!

Close and Get Paid 75% Quicker!

Need to sell fast? We can close quickly, often in a week, or we can work on your preferred timeline.

Choose Your Closing Date!

Flexibility is key. We adjust to your schedule, whether you need more time or want to close immediately.

Questions? Call us direct at (425) 440-7700

Ready to get an offer? It only takes 60 seconds to see if your property qualifies for a competitive, no-obligation offer from FIGA Properties.

We Pay the Closing Costs
No Repairs Needed
Close 75% Quicker

Frequently Asked Questions

Do you ever lower your offer after it has been accepted?

When we make an offer, we make a REAL offer — what you see is what you get. Unlike some buyers who renegotiate after inspections, FIGA Properties stands by every accepted offer with no last-minute price reductions. We thoroughly evaluate your property upfront so there are no surprises, and our contracts include no inspection contingencies that could be used to lower the price. For Washington homeowners facing foreclosure or other urgent situations, this certainty means you can confidently plan your next steps without fear of a bait-and-switch.

Are there any fees or commissions to work with you?

Absolutely not! When you sell your house to FIGA Properties, there are no fees, no commissions, and no hidden costs whatsoever. In Washington State, a traditional home sale typically costs sellers 5-6% in real estate agent commissions — plus 1-3% in closing costs - that's $25,000 to $45,000 on a $500,000 home. We even cover closing costs so the cash offer you receive is the exact amount you walk away with.

How are you different from a real estate agent?

A real estate agent lists your property on the MLS, waits for a buyer, and charges a commission typically around 5-6% of the sale price — that can mean $30,000 or more lost to commissions on a median-priced King County home. FIGA Properties is a direct cash buyer, not a middleman, so there are zero commissions, zero fees, and zero waiting. We buy your house as-is, meaning no repairs, no staging, and no open houses, and we can close in as little as 7-14 days instead of the 60-90 days a traditional Washington sale often requires. For homeowners dealing with probate, foreclosure, or inherited properties, our approach eliminates the uncertainty and delays that come with listing on the open market.

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Ready to Sell Your Property?

We're ready to make a fair, no-obligation cash offer on your house. We treat every one like it's personal - let us show you why we're the best.

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