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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal>Brent:<o:p></o:p></p><p class=MsoNormal>She is protected by Garn-St. Germain. No refinance necessary as long as she continues to occupy the home and make the payments on the existing mortgage. Check out exemptions in (d) (5) & (6) below.<o:p></o:p></p><p class=MsoNormal>Jane Bitz.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>Jane G Bitz<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>Of Counsel<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>Wolff, Hislop & Crockett, PLLC<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>12209 E Mission, Suite 5<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>Spokane Valley WA 99206-4824<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'>(509) 927-9700; FAX (509) 777-1800<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'><a href="mailto:jane@jbitzlaw.com">jbitz@whc-attorneys.com</a><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;color:black'><o:p> </o:p></span></p><p class=MsoNormal><o:p> </o:p></p><h1 style='mso-margin-top-alt:2.25pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;background:white'><span style='font-size:14.0pt;font-family:"Verdana",sans-serif;font-weight:normal'>Garn – St. Germain Act 1982<o:p></o:p></span></h1><h1 style='mso-margin-top-alt:2.25pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;background:white'><span style='font-size:14.0pt;font-family:"Verdana",sans-serif;font-weight:normal'><o:p> </o:p></span></h1><h1 style='mso-margin-top-alt:2.25pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;background:white'><span style='font-size:14.0pt;font-family:"Verdana",sans-serif;font-weight:normal'>12 U.S. Code § 1701j–3 - Preemption of due-on-sale prohibitions<o:p></o:p></span></h1><p class=MsoNormal style='line-height:15.0pt;background:white'><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> (a)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Definitions</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>For the purpose of this section—<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="a_1"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(1)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the term “due-on-sale clause” means a contract provision which authorizes a lender, at its option, to declare due and payable sums secured by the lender’s security instrument if all or any part of the property, or an interest therein, securing the real property loan is sold or transferred without the lender’s prior written consent;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="a_2"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(2)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the term “lender” means a person or government agency making a real property loan or any assignee or transferee, in whole or in part, of such a person or agency;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="a_3"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(3)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the term “real property loan” means a loan, mortgage, advance, or credit sale secured by a lien on real property, the stock allocated to a dwelling unit in a cooperative housing corporation, or a residential manufactured home, whether real or personal property; and<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="a_4"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(4)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the term “residential manufactured home” means a manufactured home as defined in section <a href="https://www.law.cornell.edu/uscode/text/42/5402"><span style='color:#005C72'>5402</span></a> <a href="https://www.law.cornell.edu/uscode/text/42/usc_sec_42_00005402----000-#6" title="(6)"><span style='color:#005C72'>(6)</span></a> of title <a href="https://www.law.cornell.edu/uscode/text/42" title="Title 42 - THE PUBLIC HEALTH AND WELFARE"><span style='color:#005C72'>42</span></a> which is used as a residence; and<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="a_5"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(5)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the term “State” means any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico, the Virgin Islands, Guam, the Northern Mariana Islands, American Samoa, and the Trust Territory of the Pacific Islands.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=b></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(b)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Loan contract and terms governing execution or enforcement of due-on-sale options and rights and remedies of lenders and borrowers; assumptions of loan rates</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="b_1"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(1)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> Notwithstanding any provision of the constitution or laws (including the judicial decisions) of any State to the contrary, a lender may, subject to subsection (c) of this section, enter into or enforce a contract containing a due-on-sale clause with respect to a real property loan.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="b_2"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(2)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> Except as otherwise provided in subsection (d) of this section, the exercise by the lender of its option pursuant to such a clause shall be exclusively governed by the terms of the loan contract, and all rights and remedies of the lender and the borrower shall be fixed and governed by the contract.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="b_3"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(3)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> In the exercise of its option under a due-on-sale clause, a lender is encouraged to permit an assumption of a real property loan at the existing contract rate or at a rate which is at or below the average between the contract and market rates, and nothing in this section shall be interpreted to prohibit any such assumption.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=c></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(c)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>State prohibitions applicable for prescribed period; subsection (b) provisions applicable upon expiration of such period; loans subject to State and Federal regulation or subsection (b) provisions when authorized by State laws or Federal regulations</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_1"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(1)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> In the case of a contract involving a real property loan which was made or assumed, including a transfer of the liened property subject to the real property loan, during the period beginning on the date a State adopted a constitutional provision or statute prohibiting the exercise of due-on-sale clauses, or the date on which the highest court of such State has rendered a decision (or if the highest court has not so decided, the date on which the next highest appellate court has rendered a decision resulting in a final judgment if such decision applies State-wide) prohibiting such exercise, and ending on October 15, 1982, the provisions of subsection (b) of this section shall apply only in the case of a transfer which occurs on or after the expiration of 3 years after October 15, 1982, except that—<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_1_A"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(A)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a State, by a State law enacted by the State legislature prior to the close of such 3-year period, with respect to real property loans originated in the State by lenders other than national banks, Federal savings and loan associations, Federal savings banks, and Federal credit unions, may otherwise regulate such contracts, in which case subsection (b) of this section shall apply only if such State law so provides; and<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_1_B"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(B)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the Comptroller of the Currency with respect to real property loans originated by national banks or the National Credit Union Administration Board with respect to real property loans originated by Federal credit unions may, by regulation prescribed prior to the close of such period, otherwise regulate such contracts, in which case subsection (b) of this section shall apply only if such regulation so provides.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_2"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(2)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_2_A"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(A)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> For any contract to which subsection (b) of this section does not apply pursuant to this subsection, a lender may require any successor or transferee of the borrower to meet customary credit standards applied to loans secured by similar property, and the lender may declare the loan due and payable pursuant to the terms of the contract upon transfer to any successor or transferee of the borrower who fails to meet such customary credit standards.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_2_B"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(B)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> A lender may not exercise its option pursuant to a due-on-sale clause in the case of a transfer of a real property loan which is subject to this subsection where the transfer occurred prior to October 15, 1982.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="c_2_C"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(C)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> This subsection does not apply to a loan which was originated by a Federal savings and loan association or Federal savings bank.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=d></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(d)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Exemption of specified transfers or dispositions</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon—<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_1"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(1)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_2"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(2)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the creation of a purchase money security interest for household appliances;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_3"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(3)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_4"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(4)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> the granting of a leasehold interest of three years or less not containing an option to purchase;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_5"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(5)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a transfer to a relative resulting from the death of a borrower;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_6"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(6)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a transfer where the spouse or children of the borrower become an owner of the property;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_7"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(7)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property;<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_8"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(8)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="d_9"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(9)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=e></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(e)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Rules, regulations, and interpretations; future income bearing loans subject to due-on-sale options</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="e_1"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(1)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> The Federal Home Loan Bank Board, in consultation with the Comptroller of the Currency and the National Credit Union Administration Board, is authorized to issue rules and regulations and to publish interpretations governing the implementation of this section.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name="e_2"></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(2)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> Notwithstanding the provisions of subsection (d) of this section, the rules and regulations prescribed under this section may permit a lender to exercise its option pursuant to a due-on-sale clause with respect to a real property loan and any related agreement pursuant to which a borrower obtains the right to receive future income.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=f></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(f)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Effective date for enforcement of Corporation-owned loans with due-on-sale options</b><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>The Federal Home Loan Mortgage Corporation (hereinafter referred to as the “Corporation”) shall not, prior to July 1, 1983, implement the change in its policy announced on July 2, 1982, with respect to enforcement of due-on-sale clauses in real property loans which are owned in whole or in part by the Corporation.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><a name=g></a><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>(g)</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'> <b>Balloon payments</b><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#333333'>Federal Home Loan Bank Board regulations restricting the use of a balloon payment shall not apply to a loan, mortgage, advance, or credit sale to which this section applies.</span><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><a name="_MailEndCompose"><o:p> </o:p></a></p><span style='mso-bookmark:_MailEndCompose'></span><p class=MsoNormal><b>From:</b> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Brent Williams-Ruth<br><b>Sent:</b> Tuesday, July 11, 2017 8:41 AM<br><b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br><b>Subject:</b> [WSBAPT] Transfer of Mortgage<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal><span style='font-size:12.0pt'>Good Morning List - <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p></div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>I am in the middle of a probate matter where there is real property with a mortgage and a surviving spouse - but a minuscule community property interest. The house and mortgage were acquired 10+ years before the relationship and marriage so the surviving spouse is not on either the title or the mortgage. <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Given that this is my first probate where there is still an outstanding mortgage obligation and am needing some advice/tips as when the surviving spouse originally went to the bank after death they advised her that they would replace her name on the mortgage. That sounded too good to be true when she told me about that and I advised her to make another visit. On the next visit that happened this week, she was told she would be required to refinance and pay all the associated charges and fees. <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>I'm not sure whether that (refinance) is the only answer, or if I just need to speak with someone different that who she was talking with.<o:p></o:p></span></p></div></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><div><p class=MsoNormal><span style='font-size:12.0pt'>Appreciate the assistance. <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt'>Thank you,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt'>Brent<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal>-- <o:p></o:p></p><div><div><div><div><div><div><div><div><div><p><b><span style='font-family:"Times New Roman",serif'>Brent Williams-Ruth</span></b><span style='font-family:"Times New Roman",serif'> <br><i>Founding Member</i></span><o:p></o:p></p><p><b><span style='font-family:"Times New Roman",serif'>BWR Consulting, PLLC</span></b><o:p></o:p></p><p><span style='font-family:"Times New Roman",serif'>Phone:<span style='color:#004080'> </span>(425) 830-5134</span><o:p></o:p></p><p><a href="mailto:brent@bwrconsults.com" target="_blank"><span style='font-family:"Times New Roman",serif'>e-mail</span></a><span style='font-family:"Times New Roman",serif'> / </span><a href="http://www.bwrconsults.com" target="_blank"><span style='font-family:"Times New Roman",serif'>website</span></a><span style='font-family:"Times New Roman",serif'> /</span><span style='font-size:9.5pt;font-family:"Times New Roman",serif'> </span><a href="http://www.facebook.com/bwrconsults" target="_blank"><span style='font-size:9.5pt;font-family:"Times New Roman",serif'>facebook</span></a><span style='font-size:9.5pt;font-family:"Times New Roman",serif'> </span><o:p></o:p></p></div></div></div></div></div></div></div></div></div></div></div></body></html>