[WSBAPT] TODD and Refinancing issue

[Jamia Burns]

The named beneficiary (Grantee) has to sign the REETA form when they record
the death certificate, so that should prove their approval of the transfer.
Maybe provide a copy of the signed REETA.

Jamia S. Burns
Attorney at Law
(360) 739-6379
Office: 1200 Dupont St., Suite 1-D
Bellingham, WA 98225 (By Appointment Only)
jamia at jamiaburnslaw.com
www.jamiaburnslaw.com

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On Wed, Nov 4, 2026 at 12:25 PM Zack Hofstad <zack at hofstadlaw.com> wrote:

> I just heard from a past client that their refi is being held up due to a
> TODD he recorded a few years ago.
>
> The lender sent me the following information from Fannie Mae, which states
> in the middle of the page that TODDs will prevent loan eligibility
> because they allow for the current owner of the property to transfer
> ownership without the consent of the named beneficiary on the TODD.
>
>
> https://selling-guide.fanniemae.com/sel/b2-3-01/general-property-eligibility
>
> This was news to me.  Has anyone faced this issue, and is there anything
> to be done besides recording a revocation of the TODD, closing on the refi,
> and then recording a new TODD (which is the lender's suggested plan of
> action)?
>
> --
> Zack Hofstad
> Hofstad Law
> 4305 Lacey Blvd SE
> <https://www.google.com/maps/search/4305+Lacey+Blvd+SE+Lacey,+WA+98503?entry=gmail&source=g>
> Lacey, WA 98503
> <https://www.google.com/maps/search/4305+Lacey+Blvd+SE+Lacey,+WA+98503?entry=gmail&source=g>
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>
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