This all changed when the banks paid money to the politicians in Washington DC, who passed what's called the Garn Act. That federal act made due on sale clauses in deeds of trust enforceable (they are not generally enforceable under Washington law). If you want to read more on that, Google Krismer and Garn Act.
Anyway, long answer to tell you this is a legal question, and to know whether you can do what you want to do you'll have to have an attorney review the existing deed of trust. Chances are though there is a due on sale clause in the deed of trust or note.
If the $14,000 home equity loan is assumable (not likely), it's possible, but don't even think about a quit claim. If the buyer pays off the $14,000 at closing with the seller carrying $14,000 in "seller financinging", that might be possible. I'm assuming the buyer has $51,000 in cash??? Don't let this one get away......it's best to get that buyer to a lender ASAP.
Jean Bradford, ABR,GRI,CRS,CRB
Managing Broker Associate
John L. Scott RE