<div dir="ltr"><div class="gmail_default" style="font-family:trebuchet ms,sans-serif">First off, I'm curious to answers to Tom's post as well.</div><div class="gmail_default" style="font-family:trebuchet ms,sans-serif"><br></div><div class="gmail_default" style="font-family:trebuchet ms,sans-serif">Second - has anyone dealt with this issue with respect to transfer to children and fighting any lender attempt to call the loan?</div><div class="gmail_default" style="font-family:trebuchet ms,sans-serif"><br></div><div class="gmail_default" style="font-family:trebuchet ms,sans-serif">I'm looking specifically at (d)(6). Father is looking to transfer title 100% to daughter. Curious if anyone has actually dealt with a lender on this issue or parallels in the statute? </div><div class="gmail_extra"><br clear="all"><div><div class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><br><div><div dir="ltr"><div><font face="trebuchet ms,sans-serif" size="2"><br></font></div><div><font face="Trebuchet MS" size="2">Carmen Rowe, Attorney<i><br><br></i></font></div><div><font face="Trebuchet MS" size="2"><img src="https://docs.google.com/uc?export=download&id=0B-SsegebS6iBQmkwSkhNWFdCaWM&revid=0B-SsegebS6iBSWFDWVhkc3B3MURTV3h6QUR4OXJQUnhrRVp3PQ" height="74" width="200"><br></font></div></div><div dir="ltr"><font face="Trebuchet MS" size="2"></font></div><div dir="ltr"><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"></font></div><div><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2">Phone: (360) 669-3576 (direct cell)<br></font></div><div><font face="Trebuchet MS" color="#660000" size="2">Email: Carmen@GryphonLawGroup.com<br><br></font><span><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"><b>Mailing address: </b>1673 S. Market Blvd. #202, Chehalis, WA 98532<br><b>Olympia/Lacey office: </b>1415 College Street SE, Lacey, WA 98503<br></font></span></div><div><span><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"><b>Seattle office: </b>1001 4th Avenue, Suite 3200, Seattle, WA 98154<br></font></span></div><div><span><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"><i><br></i></font></span><span><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"><i><font face="Trebuchet MS" color="#660000" size="2"><span><font style="background-color:rgb(255,255,255)" face="Trebuchet MS" color="#660000" size="2"><i>We also offer virtual meeting options, and are often available to meet with you in an alternate location convenient to you</i></font></span></font>.<br></i></font></span></div><div><font face="Trebuchet MS" color="#660000" size="2"><br></font></div><div><font face="Trebuchet MS" color="#444444" size="1"><b>Privileged and confidential: </b>This message is confidential. If you receive this message in error, please let us know, and </font><font face="Trebuchet MS" color="#444444" size="1"><span><font face="Trebuchet MS" color="#444444" size="1">please delete and disregard any information it contains. </font></span>We thank you for your respect in not sharing this email with anyone. <br><br></font></div><div><font face="Trebuchet MS" color="#444444" size="1">If we are communicating with you regarding a debt or monies owed, THIS MAY BE AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE. You have the right to seek legal advice from an attorney. To the extent that the Federal Fair Debt Collection Practices Act applies, this firm is acting as a debt collector for the firm's client named above. Any information obtained will be used for collection purposes.<br></font></div><div dir="ltr"><font face="Trebuchet MS"></font></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>
<br><div class="gmail_quote"><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">Date: Thu, 2 Nov 2017 21:30:15 +0000<br>
From: Thomas White <Thomas.H.White@<wbr>KingCountyBusinessLaw.com><br>
To: WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
Subject: [WSBAPT] Retitling and Due-on-Sale<br>
Message-ID:<br>
<<a href="mailto:DM5PR01MB22840FA89C1ED4125B40D179DB5C0@DM5PR01MB2284.prod.exchangelabs.com">DM5PR01MB22840FA89C1ED4125B40<wbr>D179DB5C0@DM5PR01MB2284.prod.<wbr>exchangelabs.com</a>><br>
<br>
Content-Type: text/plain; charset="us-ascii"<br>
<br>
Dear Hive Mind:<br>
<br>
Does re-titling a property held by A and B as tenants in common to be held by A and B as joint tenants with right of survivorship trigger the due-on-sale clause of most mortgages?<br>
<br>
I am wondering if they will need to refinance. (The change in title would be to allow an unmarried couple the benefits of the <div class="gmail_default" style="font-family:"trebuchet ms",sans-serif;display:inline"></div>Garn-St. Germaine Act).<br>
<br>
Kind Regards,<br>
<br>
Tom<br>
<br>
--<br>
Thomas H. White<br>
<a href="tel:%28206%29%20552-8650" value="+12065528650">(206) 552-8650</a><br>
Attorney/Owner<br>
King County Business Law<br>
<a href="https://linkedin.com/in/LawGuy" rel="noreferrer" target="_blank">https://linkedin.com/in/LawGuy</a><br>
Thomas.H.White@<wbr>KingCountyBusinessLaw.com<<wbr>mailto:<a href="mailto:Thomas.H.White@KingCountyBusinessLaw.com">Thomas.H.White@<wbr>KingCountyBusinessLaw.com</a>><br>
<br>
NOTICE: This message and related data is intended only for confidential use by the designated recipients. The information may be legally privileged and should not be disclosed without approval of the sender. If you have received this in error, please destroy this email and notify the sender immediately. Thank you for your assistance. Unless expressly stated herein, this communication is not to be used for avoiding federal tax penalties. IRS Circular 230.<br>
<br>
<br></blockquote></div></div></div>