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<p class="MsoNormal"><span style="font-size:11.0pt">Whatever works and is least expensive, both money and time under consideration. Title companies are private entities and entitled to have differing policies.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Roger Hawkes, WSBA # 5173
<o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:14.0pt">Shoreline</span></i><span style="font-size:11.0pt"> Office: 19944 Ballinger Way NE<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> Shoreline, WA 98155<o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:14.0pt">Sultan</span></i><span style="font-size:11.0pt"> Office: 423 Main<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> Sultan, WA 98294<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Phone: 206 367 5000; fax: 206 367 4005<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Email: <a href="mailto:roger@law-hawks.com">
roger@law-hawks.com</a> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Web site: <a href="http://www.hawkeslawfirm.com/">
www.hawkeslawfirm.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="112" height="160" style="width:1.1666in;height:1.6666in" id="Picture_x0020_2" src="cid:image002.jpg@01D74335.8761A4D0"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt">From:</span></b><span style="font-size:11.0pt"> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Nicholas Pleasants<br>
<b>Sent:</b> Friday, May 7, 2021 10:53 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Lack of Probate after death of first spouse for Re-fi<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Hi All,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Surviving spouse wants to re-fi several years after death of first spouse. House is community property, both names on deed and vesting deed explicitly states community property, but no mention of JTWRS. No
Will, no Community Property Agreement. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Proposed lender will not accept Lack of Probate Affidavit and insists on a probate to clear title to survivor. Seems contradictory to RCW 11.04.290. I have had plenty of productive conversations with title
officers to insure on the LOPA, but it seems the lender holds the cards on the re-fi. Just try a different lender until we get one that accepts the LOPA? Or is this a situation where folks are probating to appease the lender on the re-fi?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Thanks for your help.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Best, <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Nick<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;color:#2B6AA4">Nicholas Pleasants<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#2B6AA4">Owner<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#2B6AA4"><o:p> </o:p></span></p>
<p class="MsoNormal"><a href="http://www.pleasantslaw.com/"><b><span style="font-size:11.0pt;color:#2B6AA4;text-decoration:none"><img border="0" width="144" height="44" style="width:1.5in;height:.4583in" id="Picture_x0020_1" src="cid:image003.png@01D74335.8761A4D0" alt="(Logo) Pleasants Law Firm"></span></b></a><b><span style="font-size:11.0pt;color:#2B6AA4"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black">Pleasants Law Firm, P.S.<br>
2300 130th Ave NE, Suite A-101<br>
Bellevue, WA 98005-1755<br>
(425) 615-7070 tel/fax<br>
</span><span style="font-size:11.0pt;color:#2E75B6"><a href="mailto:nick@pleasantslaw.com"><span style="color:#2E75B6">nick@pleasantslaw.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#2E75B6"><a href="http://www.pleasantslaw.com"><span style="color:#2E75B6">www.pleasantslaw.com</span></a>
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt;color:black">The information contained in this e-mail message may be privileged and is confidential information intended only for the use of the recipient, or any employee or agent responsible to deliver it
to the intended recipient. Any unauthorized use, distribution or copying of this information is strictly prohibited and may be unlawful.</span><span style="font-size:11.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt;color:black">If you have received this communication in error, please notify the sender immediately and destroy the original message and all attachments from your electronic files.</span><o:p></o:p></p>
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