Hope4Homes NWKennewick, WA

Washington State · Portland, OR

Based in Kennewick, helping Northwest homeowners

A notice isn't the end of the story.

Behind on your mortgage, or getting letters you'd rather not open? I'm Kevin, a local investor here in Washington. I'll listen, lay out every option I know of, and tell you the truth, even when the best choice has nothing to do with me.

Talk to Kevin. No pressure. See how I help

Free to talk. No obligation to sell. Your information stays private.

If the notices have started

Breathe. You still get a say in what happens next.

Most people facing foreclosure have more choices than they know about. The catch is time. Every week you wait, a few of those choices quietly close.

Maybe you want to stay. Maybe you want to sell and walk away with what you've built. Either way, I'll help you see the whole picture first. Then you decide. No lectures, no pressure, no hard sell.

I talk with homeowners who are:

  • Behind on payments or facing foreclosure
  • Holding a sale date and running short on time
  • Dealing with a job loss, illness, or injury
  • Going through a divorce or separation
  • Handling an inherited home with a loan behind
  • Not sure where they stand and want a plain answer

How I help

Your situation comes first. The plan comes second.

I don't show up with one offer and a pen. We start with where you are, what you owe, and what you want. Then we work out which road makes sense.

01

Keep your home, when you can

Selling isn't always the answer. If catching up, a repayment plan, or a loan modification could work, I'll tell you, and I'll point you to a free housing counselor who can help you apply.

02

Sell before the auction

If you have equity, selling before the sale date can put that money in your pocket instead of losing it at auction. I can make you a written offer, or you can list with an agent. Your choice.

03

Owe more than it's worth?

A short sale or a deed in lieu can be a cleaner exit than a finished foreclosure. I'll explain how each one works so you know what to ask your lender.

What happens when you reach out

  1. You tell me what's going on

    Call, text, or send the form. No paperwork needed to start.

  2. We look at the numbers together

    What you owe, what the home may be worth, and any dates on your notices.

  3. You pick the path

    If an offer from me fits, you get it in writing and time to think it over.

Know your options

The choices, in plain English.

Here's what each option means, with one tip for each. Your lender or a housing counselor can tell you which ones are open to you.

Ways to keep your home

Reinstatement

You pay everything you're behind on, plus late fees and foreclosure costs, in one amount. The loan is current again and the foreclosure stops. In Washington, you generally have the right to reinstate up until 11 days before the scheduled sale.

Ask your servicer for a written reinstatement quote. The number grows over time, so get a fresh one before you pay.

Repayment plan

Your lender lets you pay back what you missed a little at a time, on top of your regular payment, over several months. It works best when the hard stretch is behind you and your income is steady again.

Get the plan in writing, and be sure you can make the higher payment every month.

Forbearance

Your lender pauses or lowers your payments for a set time while you get through a hardship like a job loss, illness, or divorce. It doesn't erase what you owe. When it ends, the missed amount still has to be handled, often through a repayment plan, a modification, or a lump sum.

Before you agree, ask exactly what happens on the day the forbearance ends.

Loan modification

Your lender permanently changes the terms of your loan. That could mean a lower rate, a longer term, or adding the missed payments to the balance. The goal is a monthly payment you can keep up with.

Expect to send pay stubs, bank statements, tax returns, and a hardship letter. Send them fast and keep copies.

Ways to move on and protect what you've built

Sell before the auction

If your home is worth more than you owe, you have equity. Selling before the foreclosure sale lets you pay off the loan and costs and keep the rest. At auction, homes often sell for less than they're worth, and much of that equity can be lost.

Selling takes time. Start early, whether you list with an agent or sell to a buyer like me.

Short sale

If you owe more than the home is worth, your lender may let you sell for less than the loan balance. The lender has to approve it, and that can take a while. Ask whether you could still owe the difference.

Forgiven debt can have tax effects. A tax professional can explain them.

Deed in lieu of foreclosure

You sign the home over to your lender and the lender ends the foreclosure. It's usually an option when a sale isn't possible. It can be less damaging than a finished foreclosure, but you give up the home and any equity in it.

Get the terms in writing, including whether any leftover balance is forgiven.

The Washington process

How foreclosure usually works here.

Most Washington home foreclosures happen outside of court, through a trustee. This is the general order of events for an owner-occupied home. Your dates may differ, so always go by the letters you receive.

  1. Missed payments

    Once you fall behind, your servicer will call and send letters. Late fees start adding up.

  2. Pre-foreclosure letter

    Before starting foreclosure, your lender has to try to reach you and offer a chance to meet and talk about alternatives. The letter tells you how long you have to respond. Responding buys you more time to work things out before the next step.

  3. Notice of Default

    This is the formal start of the foreclosure. It says how much you owe to catch up and who to contact. It also lists housing counseling resources.

  4. Notice of Trustee's Sale

    At least 30 days after the Notice of Default, the trustee can record a Notice of Trustee's Sale. It sets the auction date, which is generally at least 90 days later. Washington law also says the sale can't happen sooner than 190 days after the date you first defaulted.

  5. Last days to reinstate

    You can usually reinstate the loan by paying what's past due, with fees and costs, up until 11 days before the sale.

  6. Trustee's sale (the auction)

    The home is sold to the highest bidder, usually at a public place like the county courthouse. After the sale, the new owner can take steps to have you move out.

Foreclosure mediation under the Foreclosure Fairness Act

Washington's Foreclosure Fairness Act created a mediation program. It gives you a formal meeting with your lender and a neutral mediator to look for a way to avoid foreclosure, like a loan modification or repayment plan. Both sides have to take part in good faith and share certain documents.

You can't sign up on your own. A HUD-approved housing counselor or an attorney has to refer you. The referral can happen any time after a Notice of Default is issued, but generally no later than 90 days before the sale date. Some smaller banks and credit unions are exempt. Because of the deadline, it helps to talk with a counselor early.

To find a counselor, visit hud.gov/findacounselor or call (800) 569-4287. The Washington State Department of Commerce runs the mediation program and has more information on its website.

Live in Oregon? Oregon's process and timelines are different. A local housing counselor can walk you through them, and I'm happy to talk too.

This is general information, not legal advice. Laws change, and your situation may have details that matter.

My story

A neighbor who answers his own phone.

Hope4Homes NW is me, Kevin, a real estate investor in Kennewick, Washington. I'm also a nurse. That's my day job. I enjoy caring for people holistically, and I bring that same care to homeowners facing foreclosure.

This work is personal. I have seen the many struggles that homeowners face when met with foreclosure. I have a great desire to help walk these homeowners through all their options so they can make informed decisions about one of their most valuable assets.

I'm one person, not a national company or a sign stapled to a telephone pole. When you call, you get me. I'll learn your story and give you a straight answer.

I have 5 children. They are my life. They're the reason I want to help others.

  • Close to homeBased in the Tri-Cities and working across the Northwest.
  • Straight talkYou'll hear the truth, even when it isn't what I'd prefer.
  • Options firstWe look at every path before anyone talks about an offer.
  • Your paceTake time to think, and have anyone you trust look it over.
Kevin and his family in Kennewick
Kevin and his family

Areas I serve

Rooted in the Tri-Cities. Working across the Northwest.

Home base is Kennewick. I also help homeowners in Yakima, Seattle, Spokane, and Vancouver, and across the river in the Portland area.

Washington

  • Tri-Cities Home base
  • Yakima
  • Seattle area
  • Spokane
  • Vancouver

Oregon

  • Portland metro

Somewhere else? Get in touch anyway. If I can't help, I'll try to find someone who can.

Common questions

What people usually ask me.

I already have a sale date. Is it too late?

Not always. Some options still work close to the sale date, but they take time to set up. Reach out today and we'll look at what's realistic.

Does it cost anything to talk?

No. Talking with me is free. I will never ask you for money up front, and you should be careful with anyone who does.

Do I have to sell my house to you?

No. Plenty of people I talk with keep their home or choose another route. An offer from me is one option on the table. The decision is yours.

How do you make money?

I'm an investor. When it makes sense for both of us, I buy homes, and I earn money when I later sell or rent them. I'll be upfront about that from the first call.

What is equity, and why does it matter?

Equity is roughly what your home is worth minus what you owe. For example, if a home is worth $350,000 and the loan balance is $250,000, the equity is about $100,000 before selling costs. At a foreclosure auction, homes often sell for less than they're worth, and much of that equity can be lost.

Will my information stay private?

Yes. I don't sell or share your information. I only use it to talk with you about your situation.

Should I talk to a lawyer or housing counselor too?

Yes, it's a good idea. A HUD-approved housing counselor can often help for free, and an attorney can explain your legal rights. I'm glad to talk with you either way.

Talk to Kevin

Tell me where things stand. I'll be straight with you.

Call, text, email, or send a quick note. No obligation and no sales pitch. Just an honest conversation about your situation and your options.

Call or text anytime and I'll get back to you.

Send a message

This opens your email app with your message filled in, ready to send. Rather talk? Call or text (509) 430-8760.