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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'><div class=WordSection1><p class=MsoNormal><span style='mso-bidi-font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'>Cindy Fazio presented a one hour session on the <span class=SpellE>regs</span> a couple of years ago. Seems to me it was a real property section annual seminar. I recall it was at the Tulalip Resort and Casino. The materials may still be available from CLE department at WSBA. BTW, I see that Cindy was promoted to the department chair for Consumer Loan Division of DFI.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-bidi-font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Em. Mike@winslegal.com<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-bidi-font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";mso-fareast-font-family:"Times New Roman"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";mso-fareast-font-family:"Times New Roman"'> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Kaitlyn Jackson<br><b>Sent:</b> Tuesday, October 27, 2020 11:41 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] Private "Mortgage" Lien Paperwork<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal>I would really like to know more about the DFI. Are there any CLEs on this topic anyone knows about? <o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Kaitlyn<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal>On Tue, Oct 27, 2020 at 10:47 AM Mike Winslow <<a href="mailto:mike@winslegal.com">mike@winslegal.com</a>> wrote:<o:p></o:p></p></div><blockquote style='border:none;border-left:solid #CCCCCC 1.0pt;mso-border-left-alt:solid #CCCCCC .75pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-right:0in'><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'>I believe there is difference between <u>the lender</u> being exempt from licensing and <u>the loan</u> itself being exempt from regulation. My understanding is that the loan is still regulated and requires a waiver. Thus, as <span class=gmail-m1271475676765765652spelle>Kailie</span> Feeney points out, best practice is to obtain DFI waivers. The Washington Association of Realtors uses Form 22C for Seller Financed transactions, and last I checked, they are still using that form and requiring the parties to comply with the DFI waiver process.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'>Recommend that you follow up with Cindy Fazio at DFI to confirm their current position.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'>Mike</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Michael A. Winslow</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>1204 Cleveland Ave.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Mount Vernon, WA 98273</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Ph. 360-336-3321</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com" target="_blank">Mike@winslegal.com</a></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.</span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <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>Heather de Vrieze<br><b>Sent:</b> Tuesday, October 27, 2020 9:41 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] Private "Mortgage" Lien Paperwork</span><o:p></o:p></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'>This provides some great links. Thanks. A quick review of the WAC and statute indicate my initial statement is supported by the law and regulations. Parents loaning to a child or other immediate family member transactions are exempt from these licensing rules and DFI regulation. </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'>Heather</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><div><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:16.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><br></span></b><i><span style='font-size:11.0pt;font-family:"Garamond","serif";color:#1F497D'>Attorney-at-Law</span></i><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><i><span style='font-size:11.0pt;font-family:"Garamond","serif";color:#1F497D'><img border=0 width=189 height=105 id="gmail-m_1271475676765765652Picture_x0020_3" src="cid:image001.jpg@01D6AC86.3E802930"></span></i><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>3909 California Avenue SW</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>Seattle, WA 98116-3705 </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>(206)938-5500 </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="mailto:heatherd@westseattlelaw.com" target="_blank"><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>heatherd@westseattlelaw.com</span></a></span><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="http://www.westseattlelaw.com/" target="_blank"><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>www.westseattlelaw.com</span></a></span><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif";color:#002E8A'>Click here to connect with de Vrieze | Carney on Facebook: </span></b><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span></b><a href="https://www.facebook.com/DeVriezeCarney" target="_blank"><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";text-decoration:none;text-underline:none'><img border=0 width=72 height=21 id="gmail-m_1271475676765765652Picture_x0020_4" src="cid:image002.png@01D6AC86.3E802930" alt="FB Logo"></span></b></a><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#C00000'>For the latest information regarding firm operations and to see precautions we are taking in light of the Coronavirus crisis please visit our firm’s website,</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:red'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="http://www.WestSeattleLaw.com" target="_blank">www.WestSeattleLaw.com</a><span style='color:#C00000'>.</span></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#C0504D'>If I am sick, I will stay home, I ask you to do the same.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#7030A0'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'>CONFIDENTIAL & PRIVILEGED. This e-mail message may contain legally privileged and/or confidential information. If you have received this e-mail in error, please notify the sender immediately and delete all copies of this e-mail message and any attachment.</span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Tuesday, October 27, 2020 9:14 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBAPT] Private "Mortgage" Lien Paperwork</span><o:p></o:p></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'>Check out this link: <a href="https://dfi.wa.gov/residential-seller-financing" target="_blank">https://dfi.wa.gov/residential-seller-financing</a></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Michael A. Winslow</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>1204 Cleveland Ave.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Mount Vernon, WA 98273</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Ph. 360-336-3321</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com" target="_blank">Mike@winslegal.com</a></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.</span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Heather de Vrieze<br><b>Sent:</b> Tuesday, October 27, 2020 8:46 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] Private "Mortgage" Lien Paperwork</span><o:p></o:p></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'>I do not believe that interfamily transactions like needs to worry about DFI or any more complicated regulations. There are plenty of issues (taxes, title insurance?, proper identification of the property, etc.) though, and good advice should be given and correct forms should be used. Having said that, this is a great resource for basic forms, including promissory note and deed of trust: <a href="https://www.wsba.org/for-legal-professionals/join-the-legal-profession-in-wa/limited-practice-officers/lpo-forms" target="_blank">https://www.wsba.org/for-legal-professionals/join-the-legal-profession-in-wa/limited-practice-officers/lpo-forms</a>.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'>Heather</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><div><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:16.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><br></span></b><i><span style='font-size:11.0pt;font-family:"Garamond","serif";color:#1F497D'>Attorney-at-Law</span></i><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><i><span style='font-size:11.0pt;font-family:"Garamond","serif";color:#1F497D'><img border=0 width=189 height=105 id="gmail-m_1271475676765765652Picture_x0020_1" src="cid:image003.jpg@01D6AC86.3E802930"></span></i><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>3909 California Avenue SW</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>Seattle, WA 98116-3705 </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>(206)938-5500 </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="mailto:heatherd@westseattlelaw.com" target="_blank"><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>heatherd@westseattlelaw.com</span></a></span><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="http://www.westseattlelaw.com/" target="_blank"><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'>www.westseattlelaw.com</span></a></span><span style='font-size:10.0pt;font-family:Nyala;color:#44524E'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif";color:#002E8A'>Click here to connect with de Vrieze | Carney on Facebook: </span></b><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span></b><a href="https://www.facebook.com/DeVriezeCarney" target="_blank"><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";text-decoration:none;text-underline:none'><img border=0 width=72 height=21 id="gmail-m_1271475676765765652Picture_x0020_2" src="cid:image004.png@01D6AC86.3E802930" alt="FB Logo"></span></b></a><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#C00000'>For the latest information regarding firm operations and to see precautions we are taking in light of the Coronavirus crisis please visit our firm’s website,</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:red'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="http://www.WestSeattleLaw.com" target="_blank">www.WestSeattleLaw.com</a><span style='color:#C00000'>.</span></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#C0504D'>If I am sick, I will stay home, I ask you to do the same.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#7030A0'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#A6A6A6'>CONFIDENTIAL & PRIVILEGED. This e-mail message may contain legally privileged and/or confidential information. If you have received this e-mail in error, please notify the sender immediately and delete all copies of this e-mail message and any attachment.</span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif"'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Monday, October 26, 2020 6:43 PM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBAPT] Private "Mortgage" Lien Paperwork</span><o:p></o:p></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'>This loan is subject to regulation by the Dept. of Financial Institutions and requires a waiver be obtained from them, last I checked. Cindy Fazio at DFI is the lead attorney on these. Seems to me there are some new rules from DFI that may create an exemption for fewer than five loans per year, but I have not read up on this or how the exemption applies. Having previously owned a loan servicing company regulated by the DFI, and having handled real estate secured private money lending for 25 years, this is not something that I would just “borrow a form” to handle the matter. (Not looking for a referral by making these comments, as I am not taking new clients). Just a word to the wise. A promissory note selected specifically for this type of loan, a deed of trust for residential collateral and a mortgagee’s title insurance policy would be the minimum documentation.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Michael A. Winslow</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>1204 Cleveland Ave.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Mount Vernon, WA 98273</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Ph. 360-336-3321</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com" target="_blank">Mike@winslegal.com</a></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Brent Williams-Ruth<br><b>Sent:</b> Monday, October 26, 2020 5:06 PM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> [WSBAPT] Private "Mortgage" Lien Paperwork</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Arial","sans-serif"'>Greetings List - </span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Arial","sans-serif"'> </span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Arial","sans-serif"'>I have a client who is having some tough COVID related times. Parents/In-Laws are in a position where they are going to pay off their mortgage and have them make payments to them. Does anyone have a form that can be used for this and then recorded as a lien?</span><o:p></o:p></p></div><div><div><div><div><div><p><b>Brent Williams-Ruth</b> (preferred pronoun: he/him)<br><i>Attorney-At-Law</i><o:p></o:p></p><p><b>Law Offices of Brent Williams-Ruth, </b><b><span style='font-size:7.5pt'>a division of BWR Consulting, PLLC</span></b><o:p></o:p></p><p>Office/Scheduling Phone:<span style='color:#004080'> </span>(425) 830-5134<o:p></o:p></p><p>Direct Mobile: (206) 889-7919<o:p></o:p></p><p><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.Williams-RuthLaw.com/" target="_blank">website</a> /<span style='font-size:9.5pt'> </span><a href="http://www.facebook.com/bwrconsults" target="_blank"><span style='font-size:9.5pt'>facebook</span></a><span style='font-size:9.5pt'> / </span><o:p></o:p></p><p><b><span style='font-size:9.5pt;color:red;background:white'>As of July 1, 2019 - I began operating as the Law Offices of Brent Williams-Ruth a division of BWR Consulting, PLLC. Please note the new points of contact <a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">Brent@Williams-RuthLaw.com</a> and <a href="http://www.Williams-RuthLaw.com" target="_blank">www.Williams-RuthLaw.com</a> </span></b><o:p></o:p></p></div></div></div></div></div></div></div></div><p class=MsoNormal>***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working in related fields, and others.***<br>_______________________________________________<br>WSBAPT mailing list<br><a href="mailto:WSBAPT@lists.wsbarppt.com" target="_blank">WSBAPT@lists.wsbarppt.com</a><br><a href="http://mailman.fsr.com/mailman/listinfo/wsbapt" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbapt</a><o:p></o:p></p></blockquote></div><p class=MsoNormal><br clear=all style='mso-special-character:line-break'><o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal>-- <o:p></o:p></p><div><div><div><div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:#666666'>Thank you,</span><span style='font-size:9.5pt;font-family:"Arial","sans-serif";color:#222222'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'><br></span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>K</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>aitlyn</span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'> </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>R. J</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>ackson</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'> |</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#888888;background:white'> </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>A</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>ttorney</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'>| </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>D</span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'>IMENSION</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'> </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>L</span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#888888;background:white'>AW</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'> </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'>G</span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#888888;background:white'>ROUP</span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#666666;background:white'> </span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#888888;background:white'>P</span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";font-variant:small-caps;color:#666666;background:white'>LLC </span><span style='font-size:9.5pt;font-family:"Arial","sans-serif";color:#222222'><br></span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:#666666;background:white'>130 Andover Park East, Suite 300 | Tukwila, WA 98188</span><o:p></o:p></p><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#3D85C6'>t: <u>206.973.3500 </u>| f: <u>206.577.5090</u>| e: <u>kaitlyn@dimensionlaw.com</u>|</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#888888'> </span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";font-variant:small-caps;color:#3D85C6'><a href="http://www.dimensionlaw.com/" target="_blank">www.dimensionlaw.com</a></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#888888'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#888888'><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-family:"Tahoma","sans-serif";color:#222222;background:#FFF2CC'>Covid-19 Update - Dimension Law Group remains available to serve our clients and the public during this time, subject to the orders and recommendations of government authority. </span><span style='color:#222222'><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:justify'><span style='font-family:"Tahoma","sans-serif";color:#222222;background:white'>All attorneys and staff are working remotely regular business hours and are available via email and by phone. Videoconferencing also is available. </span><span style='font-family:"Tahoma","sans-serif";color:#222222'>We will continue to advise and support our clients throughout this health emergency.</span><span style='color:#222222'><o:p></o:p></span></p></div></div></div></div></div><p class=MsoNormal><br><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:#3D85C6;background:white'>PRIVILEGED AND CONFIDENTIAL:</span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:#0B5394;background:white'> </span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:gray;background:white'>This e-mail (including any attachments) is intended only for the use of the individual or entity named above and may contain privileged or confidential information. If you are not the intended recipient, or the employee or agent responsible to deliver it to the intended recipient, you are notified that any review, dissemination, distribution or copying of this e-mail is prohibited. Attempts to intercept this message are in violation of 18 USC 2511(1) of the Electronic Communications Privacy Act, which subjects the interceptor to fines, imprisonment and/or civil damages. If you have received this e-mail in error, please immediately notify us by e-mail, facsimile, or telephone; return the e-mail to us at the e-mail address below; and destroy all paper and electronic copies. Any settlement offer contained herein is made pursuant to Washington ER 408, and without admitting fault or liability on the part of this firm’s client(s) or its agents.</span><span style='font-family:"Arial","sans-serif";color:#222222;background:white'> </span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:#4F81BD;background:white'>IRS CIRCULAR 230 DISCLAIMER:</span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:blue;background:white'> </span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:navy;background:white'> </span><span style='font-size:7.5pt;font-family:"Tahoma","sans-serif";color:gray;background:white'>To ensure compliance with requirements imposed by the IRS, I inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code; or (ii) promoting, marketing or recommending to another party any transaction or tax-related matter addressed herein. </span><o:p></o:p></p></div></body></html>