<div dir="ltr"><div class="gmail-bi6gxh9e" style="margin-bottom:8px;font-family:"Segoe UI Historic","Segoe UI",Helvetica,Arial,sans-serif;color:rgb(5,5,5);font-size:15px;white-space:pre-wrap"><div class="gmail-_1mf gmail-_1mj" style="direction:ltr;font-family:inherit"><span style="font-family:inherit">An estate planning client executed a deed transferring property from themselves as husband and wife to their living trust. Two weeks later, as part of a refi, the lender has the clients execute a deed from themselves as husband and wife to themselves as joint tenants.</span><br></div></div><div class="gmail-bi6gxh9e" style="margin-bottom:8px;font-family:"Segoe UI Historic","Segoe UI",Helvetica,Arial,sans-serif;color:rgb(5,5,5);font-size:15px;white-space:pre-wrap"><div class="gmail-_1mf gmail-_1mj" style="direction:ltr;font-family:inherit"><span style="font-family:inherit"><span style="font-family:inherit">The purpose of the deed appears to be adding the wife's married name to the chain of title (she had not changed her name when they purchased the house originally).  The issue is potentially that the QCD prepared by the lender names the husband and wife in their individual capacities rather than as trustees and totally ignores the QCD to the trust which is the last document in the chain of title.</span></span></div></div><div class="gmail-bi6gxh9e" style="margin-bottom:8px;font-family:"Segoe UI Historic","Segoe UI",Helvetica,Arial,sans-serif;color:rgb(5,5,5);font-size:15px;white-space:pre-wrap"><div class="gmail-_1mf gmail-_1mj" style="direction:ltr;font-family:inherit"><span style="font-family:inherit"><span style="font-family:inherit">Any thoughts on how/whether to address this? In particular, I'm trying to wrap my mind around whether this is an issue for the clients or only the lender. Or maybe a problem for the lender is a problem for the borrower. Being that this is outside my wheelhouse, I'd love to refer it out if anyone is interested. </span></span></div></div><div><br></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><font color="#45818e"><b>Laura Latta<br>Law Office of Laura Latta PLLC</b><u></u><u></u></font></p><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><font color="#666666">she/her</font></p><p style="margin:0in 0in 0.0001pt;line-height:13.15pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="color:rgb(102,102,102)">Phone (206) 841-2344</span><br></p><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><font color="#666666"><a href="http://www.LauraLatta.com" target="_blank">www.LauraLatta.com</a></font></p><p style="margin:0in 0in 0.0001pt;line-height:13.15pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:10.5pt;font-family:Helvetica,sans-serif"><font color="#666666">PO Box 82356</font></span></p><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"></p><p style="margin:0in 0in 0.0001pt;line-height:13.15pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:10.5pt;font-family:Helvetica,sans-serif"><font color="#666666">Kenmore, WA 98028</font></span></p><p class="MsoNormal"><font color="#134f5c"><u></u> </font><u></u></p><p class="MsoNormal"><b><font color="#444444">NOTICE:  This communication may contain privileged or other confidential information. If you have received it in error, please advise the sender by replying to this email and immediately delete the message and any attachments without copying it or disclosing its contents to others.</font></b></p></div></div></div></div></div>