<html><body><div style="font-family: Times New Roman; font-size: 12pt; color: #000000"><DIV>You may want to look at Garn St Germain.... <A href="https://www.law.cornell.edu/uscode/text/12/1701j-3" data-mce-href="https://www.law.cornell.edu/uscode/text/12/1701j-3">https://www.law.cornell.edu/uscode/text/12/1701j-3</A><BR>See Section 1701j-3(d)(7) relates to property agreements between spouses and exemption from the Due on Sale Clause. </DIV>
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<DIV style="FONT-SIZE: 12pt; TEXT-DECORATION: none; FONT-FAMILY: Helvetica,Arial,sans-serif; FONT-WEIGHT: normal; COLOR: #000; FONT-STYLE: normal"><B>From: </B>"Carla Higginson" <carla@higginsonbeyer.com><BR><B>To: </B>"WSBA Probate & Trust Listserv" <wsbapt@lists.wsbarppt.com><BR><B>Sent: </B>Thursday, June 18, 2015 12:54:09 PM<BR><B>Subject: </B>Re: [WSBAPT] title question<BR>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>I looked into this issue for one client and the bank told us that it would trigger the due on sale clause, where the loan was taken out by one party prior to marriage and then after marriage the parties wanted to do a CP agreement. I would suggest that the particular financial institution be contacted to ask how they would view the transaction<A class=mceItemAnchor name=_MailEndCompose>.</A></SPAN></P>
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<P class=MsoNormal><SPAN style="FONT-SIZE: 11pt; FONT-VARIANT: small-caps; COLOR: #1f497d">Carla J. Higginson, Attorney</SPAN><B><SPAN style="FONT-SIZE: 11pt; COLOR: #1f497d"> </SPAN></B><B><SPAN style='FONT-FAMILY: "Georgia","serif"; FONT-VARIANT: small-caps; COLOR: black; text-shadow: auto'>|</SPAN></B><B><SPAN style='FONT-FAMILY: "Georgia","serif"; FONT-VARIANT: small-caps; COLOR: #1f497d; text-shadow: auto'> </SPAN></B><B><SPAN style='FONT-FAMILY: "Georgia","serif"; FONT-VARIANT: small-caps; COLOR: #30452f'>Higginson Beyer</SPAN></B><B><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Georgia","serif"; FONT-VARIANT: small-caps; COLOR: #30452f'>, P.S.</SPAN></B><B><I><SPAN style='FONT-FAMILY: "Georgia","serif"; FONT-VARIANT: small-caps; COLOR: gray'></SPAN></I></B></P>
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<P class=MsoNormal><B><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>From:</SPAN></B><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <B>On Behalf Of </B>Pearce Law PLLC<BR><B>Sent:</B> Thursday, June 18, 2015 12:44 PM<BR><B>To:</B> WSBA Probate & Trust Listserv<BR><B>Subject:</B> Re: [WSBAPT] title question</SPAN></P></DIV></DIV>
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<P class=MsoNormal>Not having done one of these myself before, I am wondering whether this type of transfer would violate any terms of existing loan documents (if the property is subject to a traditional mortgage)? Perhaps married couples are exempt due to community property laws, but I would love feedback from someone who knows. Sharing in the title without directly becoming responsible to the lender may contradict terms of the loan. I know that in other contexts, any kind of transfer of full or even partial property rights will often trigger the due on sale clause due to being a violation of the loan terms. <BR>
<DIV><BR></DIV>Thoughts?
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<P class=MsoNormal><BR>Sent from a mobile device - please excuse typos. </P></DIV>
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<P class=MsoNormal style="MARGIN-BOTTOM: 12pt"><BR>On Jun 18, 2015, at 12:13 PM, Vashonlaw <<A href="mailto:vashonlaw@aol.com" target=_blank>vashonlaw@aol.com</A>> wrote:</P></DIV>
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<P class=MsoNormal><SPAN style='FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>Given recent cases. I would have them both sign a community property agreement and record it. Then I would have him sign a deed from him to him and her, husband and wife, and put as consideration "to create community property." Then I would have her accept the deed, on the face of the deed, and the status of the property as community property. </SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>This is if you are really serious about them holding the property as community property and acquiring the benefits attached to that.</SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>Margaret L. Koch <BR>Smith and Koch <BR>PO Box O <BR>Vashon, WA 98070 <BR>206-463-9491 <BR>206-463-3405 (fax) <BR><A href="mailto:vashonlaw@aol.com" target=_blank>vashonlaw@aol.com</A> <BR>
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<P class=MsoNormal style="MARGIN-BOTTOM: 12pt"><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>-----Original Message-----<BR>From: Rob Rowley <<A href="mailto:rob@rowleylegal.com" target=_blank>rob@rowleylegal.com</A>><BR>To: WSBA Probate & Trust Listserv <<A href="mailto:wsbapt@lists.wsbarppt.com" target=_blank>wsbapt@lists.wsbarppt.com</A>><BR>Sent: Thu, Jun 18, 2015 10:03 am<BR>Subject: Re: [WSBAPT] title question</SPAN></P>
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<P class=MsoNormal><SPAN style="FONT-SIZE: 10pt; COLOR: #44546a">Setting aside the community property aspects-by having her on title then grants her standing if she should ever seek foreclosure mediation.</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #44546a'>Please note that effective May 15, 2015, my new address is 7 South Howard St., Suite 218, Spokane, WA 99201. All other contact information remains the same.</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal style="LINE-HEIGHT: 12pt"><IMG hspace=6 src="cid:image008.jpg@01D0A9AD.A6917010" width=86 align=left height=130><B><SPAN style="FONT-SIZE: 10pt; COLOR: #44546a">Robert R. Rowley</SPAN></B><SPAN style="FONT-SIZE: 10pt; COLOR: #44546a"> | Attorney at Law</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal style="LINE-HEIGHT: 12pt"><SPAN style="FONT-SIZE: 10pt; COLOR: #44546a">7 S. Howard St, Suite 218</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal style="LINE-HEIGHT: 12pt"><SPAN style="FONT-SIZE: 10pt; COLOR: #44546a">Spokane, WA 99201</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><B><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>From:</SPAN></B><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'> <A href="mailto:wsbapt-bounces@lists.wsbarppt.com" target=_blank>wsbapt-bounces@lists.wsbarppt.com</A> [mailto:<A href="mailto:wsbapt-bounces@lists.wsbarppt.com" target=_blank>wsbapt-bounces@lists.wsbarppt.com</A>] <B>On Behalf Of </B>Sharon Rutberg<BR><B>Sent:</B> Thursday, June 18, 2015 9:36 AM<BR><B>To:</B> <A href="mailto:wsbapt@lists.wsbarppt.com" target=_blank>wsbapt@lists.wsbarppt.com</A><BR><B>Subject:</B> [WSBAPT] title question</SPAN></P></DIV></DIV></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>Hello, Listmates –</SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>Clients are a married couple. He purchased the house they live in before they married and only his name is on the title. She helps pay the mortgage. They wish to have it treated as community property. </SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>We are doing a simple Community Property Agreement stating that the house is their community property (as well as clarifying the status of some other property). Do you see any compelling reason also to create a new deed naming them both as owners? I suppose he would quitclaim to the two of them as a married couple. </SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>As always, thanks for your wise guidance.</SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'>Sharon</SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>Sharon C. Rutberg</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>Attorney at Law</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>1718 NW 56<SUP>th</SUP> Street, Suite 304</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>Seattle, WA 98107</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>Website: <A href="http://www.sharonrutberglaw.com/" target=_blank>www.sharonrutberglaw.com</A> </SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>206-409-2604</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'><A href="mailto:email@sharonrutberglaw.com" target=_blank>email@sharonrutberglaw.com</A></SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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<P class=MsoNormal><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>Washington State Bar #47055<BR>D.C. Bar #420576<BR>
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<P class=MsoNormal style="BACKGROUND: white"><SPAN style='FONT-SIZE: 9pt; FONT-FAMILY: "Verdana","sans-serif"; COLOR: black'>IRS Circular 230 Disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that to the extent this communication contains advice relating to a Federal tax issue, it is not intended or written to be used, and it may not be used, for (i) the purpose of avoiding any penalties that may be imposed on you or any other person or entity under the Internal Revenue Code or (ii) promoting or marketing to another party any transaction or matter addressed herein.</SPAN><SPAN style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: black'></SPAN></P></DIV>
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