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<div>Well the modification and assumption are two different documents. The assumption takes over the original loan and needs to be a signed in its own right to be binding. Once the assumption is executed only then can the bank modify the original loan
with only one of the original signatories to the original note. </div>
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<div>My presumption based on the information, could be wrong however, is that the modification is taking place to modify the payment terms of the loan, not to clarify the identification of the person actually paying the note. </div>
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<div style="font-family: 'Goudy Old Style';"><b>Jensen Mauseth</b></div>
<div style="font-family: 'Goudy Old Style';"><b>Mauseth Legal, PLLC</b></div>
<div style="font-family: 'Goudy Old Style';"><a href="mailto:jmauseth@mausethlegal.com">jmauseth@mausethlegal.com</a></div>
<div style="font-family: 'Goudy Old Style';">(p) 425.242.5111</div>
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<div style="font-family: 'Goudy Old Style';">(f) 425.242.5114</div>
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<div><span style="color: rgb(144, 144, 144); font-family: 'Goudy Old Style'; font-size: 11px;">This e-mail contains information that may be confidential and privileged. Unless you are the addressee (or authorized to receive messages for the addressee), you
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<span style="font-weight:bold">From: </span><<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>> on behalf of Eric Nelsen <<a href="mailto:Eric@sayrelawoffices.com">Eric@sayrelawoffices.com</a>><br>
<span style="font-weight:bold">Reply-To: </span>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<span style="font-weight:bold">Date: </span>Thursday, February 11, 2016 at 1:44 PM<br>
<span style="font-weight:bold">To: </span>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<span style="font-weight:bold">Subject: </span>Re: [WSBAPT] Removal of name from title<br>
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<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Thanks Jensen--That is great information to have. It makes complete sense in the loan mod context...though if "assumption" is also available, it seems
a difference of nomenclature rather than substance, in terms of achieving the goal of dropping the girlfriend from the loan.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">I think it's the bank's thinking-only-within-the-box that baffles me: If the client is saying, "can't we just eliminate her from the loan?" for the
loan mod officer to say "no, we need her signature or QCD" seems like a little bit of tunnel vision. A more reasonable response would be, "not as a modification, but you could do an assumption."</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">1320 University St<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Seattle WA 98101-2837<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><o:p> </o:p></span></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;">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jensen Mauseth<br>
<b>Sent:</b> Thursday, February 11, 2016 1:21 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] Removal of name from title<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;">Just as a point of clarification regarding loan modifications. Most promissory notes require a writing to modify the existing note. Thus, in order to modify the note (existing
contract) all parties to the contract need to sign and agree to the modification. While theoretically a bank could agree to modify the note with one party and without the agreement of the third party, the reality is that most banks should not and will not
do this. The reason for that is because modification of a contract without the signature of all of the parties to the original contract is unenforceable. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;">Ive seen a few cases where banks made the mistake of not obtaining the signatures of all the parties when modifying a loan, only to have the debtor on the loan modification
file a complaint asserting that the modification is unenforceable. Consequently, banks have (for the most part) refused to modify a loan without the signature of all of the original parties or until the single debtor assumes the entire debt of the original
note individually. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;">
.<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family: 'Goudy Old Style', serif; color: black;">Jensen Mauseth</span></b><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family: 'Goudy Old Style', serif; color: black;">Mauseth Legal, PLLC</span></b><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><a href="mailto:jmauseth@mausethlegal.com">jmauseth@mausethlegal.com</a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;">(p) 425.242.5111<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;">(f) 425.242.5114<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size: 8.5pt; font-family: 'Goudy Old Style', serif; color: rgb(144, 144, 144);">This e-mail contains information that may be confidential and privileged. Unless you are the addressee (or authorized to receive messages
for the addressee), you may not use, copy or disclose this message, or any information contained herein. If you have received this message in error, please advise the sender by reply e-mail and delete this message. Nothing in this message should be interpreted
as a digital or electronic signature that can be used to authenticate a contract or legal document. Unauthorized use of this information in any manner is prohibited.</span><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: black;">From:
</span></b><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: black;"><<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>> on behalf of Eric Nelsen <<a href="mailto:Eric@sayrelawoffices.com">Eric@sayrelawoffices.com</a>><br>
<b>Reply-To: </b>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Date: </b>Thursday, February 11, 2016 at 12:23 PM<br>
<b>To: </b>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject: </b>Re: [WSBAPT] Removal of name from title<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family: 'Goudy Old Style', serif; color: black;"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Oh! Actual loan modification, not a refinance? I missed that nuance.</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">That's modification of a contract with the lender. I don't see why the bank couldn't just drop her as a contractually liable party, but whatever--banks
do what banks do.</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">I still get the sense we are missing some relevant facts. If she has a valid legal or equitable interest in the underlying property, that is probably
what is causing the problem. If she is not on title to the underlying property, then this sounds a lot more like the bank throwing up a roadblock on the modification, because under the federal rules they do not have to let a borrower off the contract as part
of the mod.</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Sincerely,</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Eric</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Eric C. Nelsen</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">SAYRE LAW OFFICES, PLLC</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">1320 University St</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Seattle WA 98101-2837</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">phone 206-625-0092</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">fax 206-625-9040</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: 10pt; font-family: Tahoma, sans-serif; color: black;">From:</span></b><span style="font-size: 10pt; font-family: Tahoma, sans-serif; color: black;"><a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>
[<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Thursday, February 11, 2016 11:50 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] Removal of name from title</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="color:black">Heather: I think I missed something in your email. The girlfriend is on the DOT and Promissory Note that has been filed with the Auditor. That means she is on title. This is not
a refinance but a loan modification.<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="color:black">I think we either have to find her and get her to sign off or....... a Quiet Title action without serving her???? That's where I am unclear.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Thanks,<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
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<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">James R. Doran<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Attorney at Law<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:black">100 E. Pine Street - Suite 205<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:black">Bellingham, WA 98225<br>
(360)393-9506<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">On Thu, Feb 11, 2016 at 11:17 AM, Heather deVrieze <<a href="mailto:heatherd@westseattlelaw.com" target="_blank">heatherd@westseattlelaw.com</a>> wrote:<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Despite your statement of that facts, that girlfriend is on Promissory Note and Deed of
Trust, it sounds as though she is actually on title. If she is on title, a quiet title (or finding her) is your option. If she is, however, only on the Note and DOT, a refinance will not require her signature or any Court action.</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Heather</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span><span style="color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:16.0pt;font-family:"Vladimir Script";color:#1F497D">Heather S. de Vrieze</span><b><span style="font-size: 16pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"><br>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: black;">From:</span></b><span style="font-size: 11pt; font-family: Calibri, 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>Jim Doran<br>
<b>Sent:</b> Thursday, February 11, 2016 10:34 AM<br>
<b>To:</b> Real Property Section <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBAPT] Removal of name from title</span><span style="color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:12.0pt"><span style="color:black">My client had a girlfriend whose name was put on the Deed of Trust and Promissory Note as an individual and unmarried person in 2005. The girlfriend never paid
anything on the Note and moved to England in 2009. My client is in the process of modifying his loan with PennyMac, Inc. In order to complete the modification we have to have the girlfriend sign off or get her name removed from the documents by some sort
of Quit Claim Deed or Court order.<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:12.0pt"><span style="color:black">The problem is that we cannot find the girlfriend.
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<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:12.0pt"><span style="color:black">What is the action that I bring to remove her name from the title? Is it a quiet title action just as to her? Is there any other way that I should consider?
I presume I could get service by publication.<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:12.0pt"><span style="color:black">Any suggestions on how to do this would be very much appreciated.<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black">Thank you.<br>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black">James R. Doran<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black">Attorney at Law<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black">100 E. Pine Street - Suite 205<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black">Bellingham, WA 98225<br>
<a href="tel:%28360%29393-9506" target="_blank">(360)393-9506</a><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black"><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:black"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><o:p></o:p></span></p>
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