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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">My reading of the statute does not exempt credit unions or HELOCs.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="background:white;punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333">(2)</span></b></span><span style="font-family:"Verdana",sans-serif;color:#333333;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="font-family:"Verdana",sans-serif;color:#333333">the term “<a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-1106367012-2124459217&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">lender</span></a>”
means a person or government agency making a <a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-1202940583-2124459218&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">real
property loan</span></a> 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="background:white"><a name="a_3"></a><span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333">(3)</span></b></span><span style="font-family:"Verdana",sans-serif;color:#333333"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="font-family:"Verdana",sans-serif;color:#333333">the term “<a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-1202940583-2124459218&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">real
property loan</span></a>” 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 <a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-2070006528-2124459219&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">residential
manufactured home</span></a>, whether real or personal property; and<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333;background:white">(d)</span></b></span><span class="heading"><b><span style="font-family:"Verdana",sans-serif;font-variant:small-caps;color:#333333;background:white">Exemption
of specified transfers or dispositions</span></b></span><span class="chapeau"><span style="font-family:"Verdana",sans-serif;color:#333333;background:white"> With respect to a <a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-1202940583-2124459218&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">real
property loan</span></a> secured by a lien on residential real property …………., a<a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-1106367012-2124459217&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC"> lender </span></a>may
not exercise its option pursuant to a<a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-2106257779-2124459216&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC"> due-on-sale
clause </span></a>upon—</span></span><span style="font-size:11.0pt;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><a name="d_1"></a><span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333">(1)</span></b></span><span style="font-family:"Verdana",sans-serif;color:#333333">……………<o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><a name="d_5"></a><span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333">(5)</span></b></span><span style="font-family:"Verdana",sans-serif;color:#333333"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="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="background:white"><a name="d_6"></a><span class="num"><b><span style="font-family:"Verdana",sans-serif;color:#333333">(6)</span></b></span><span style="font-family:"Verdana",sans-serif;color:#333333"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="font-family:"Verdana",sans-serif;color:#333333">a transfer where the spouse or children of the borrower become an <a href="https://www.law.cornell.edu/definitions/uscode.php?width=840&height=800&iframe=true&def_id=12-USC-106164915-1510435011&term_occur=999&term_src=title:12:chapter:13:section:1701j%E2%80%933"><span style="color:#0068AC">owner</span></a> of
the property;<o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><a name="d_7"></a><span style="font-family:"Verdana",sans-serif;color:#333333">…………….<o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="font-family:"Verdana",sans-serif;color:#333333"><o:p> </o:p></span></p>
<p class="MsoNormal" style="background:white"><span style="font-family:"Verdana",sans-serif;color:#333333">If there are any judicial changes I would love to hear about them.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">John McCrady<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Counsel<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Puget Sound Title Company<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">5350 Orchard Street West<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">University Place WA 98467<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">253-476-5721<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><a href="mailto:j.mccrady@pstitle.com"><span style="color:#0563C1">j.mccrady@pstitle.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<b><span style="font-size:13.0pt;font-family:"Bodoni MT",serif;position:relative;top:0pt;mso-text-raise:0pt">Beginning July 26, 2021, recording fees for most documents recorded in Washington
<a href="https://www.piercecountywa.gov/DocumentCenter/View/105275/Recording-Fee-Schedule-Effective-Jul-25-2021-">
<span style="color:#0563C1">will increase by $100</span></a>. Please be sure to collect recording fees accordingly. Due to the above increase, our Reconveyance fees will also be increased by $100.00</span></b><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-top:6.0pt;punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">WARNING-FRAUDULENT FUNDING INSTRUCTIONS
</span></b><b><span style="font-size:4.0pt;font-family:"Arial",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-top:6.0pt;punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information
found from an independent source, such as the sales contract or internet, to verify any funding instructions received. We are not responsible for any wire sent by you to an incorrect bank account.<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"> wsbapt-bounces@lists.wsbarppt.com
<wsbapt-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Heather de Vrieze<br>
<b>Sent:</b> Thursday, January 27, 2022 9:01 AM<br>
<b>To:</b> cole-gilday@stanwoodlaw.net; WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] death and due on sale<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif">It might matter if it was a HELOC or similar loan secured by the property, but not a first mortgage. I also know that some credit unions have fine print in their mortgages that allow them to
apply funds on deposit to outstanding loans at death. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif">Heather<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:16.0pt;font-family:"Vladimir Script";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Heather S. de Vrieze</span><b><span style="font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><br>
</span></b><i><span style="font-size:11.0pt;font-family:"Garamond",serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Attorney-at-Law<o:p></o:p></span></i></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<i><span style="font-size:11.0pt;font-family:"Garamond",serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><img border="0" width="189" height="105" style="width:1.9687in;height:1.0937in" id="Picture_x0020_1" src="cid:image003.jpg@01D81362.3D148F70"></span></i><i><span style="font-family:"Garamond",serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></i></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:Nyala;color:#44524E;position:relative;top:0pt;mso-text-raise:0pt">3909 California Avenue SW<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:Nyala;color:#44524E;position:relative;top:0pt;mso-text-raise:0pt">Seattle, WA 98116-3705
<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:Nyala;color:#44524E;position:relative;top:0pt;mso-text-raise:0pt">(206)938-5500
<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><a href="mailto:heatherd@westseattlelaw.com"><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;position:relative;top:0pt;mso-text-raise:0pt">
<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><a href="https://f.xdref.com/?id=20RHDCJq032078&from=wsbapt-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=http://www.westseattlelaw.com/"><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;position:relative;top:0pt;mso-text-raise:0pt">
<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#002E8A;position:relative;top:0pt;mso-text-raise:0pt">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;position:relative;top:0pt;mso-text-raise:0pt"> </span></b><a href="https://www.facebook.com/DeVriezeCarney"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:blue;position:relative;top:0pt;mso-text-raise:0pt;text-decoration:none"><img border="0" width="72" height="21" style="width:.75in;height:.2187in" id="Picture_x0020_2" src="cid:image005.png@01D81362.3D148F70" alt="FB Logo"></span></b></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
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<span style="font-size:8.0pt;font-family:"Calibri",sans-serif;color:#A6A6A6;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:8.0pt;font-family:"Calibri",sans-serif;color:#A6A6A6;position:relative;top:0pt;mso-text-raise:0pt">CONFIDENTIAL & PRIVILEGED. This e-mail message may contain legally privileged and/or confidential information. If you have received this
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Robert R. Cole<br>
<b>Sent:</b> Wednesday, January 26, 2022 5:34 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBAPT] death and due on sale<o:p></o:p></span></p>
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<p>I just got a letter from a Credit Union saying that the son/beneficiary cannot take over making the payments on the mortgage on his dad's house. Are Credit Unions not subject to the Garn-St.Germain Act?<o:p></o:p></p>
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<p class="MsoNormal">Very Truly Yours,<o:p></o:p></p>
<p class="MsoNormal">Robert R. Cole<o:p></o:p></p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. <o:p></o:p></p>
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<p class="MsoNormal">10101 - 270th St. NW <o:p></o:p></p>
<p class="MsoNormal">Stanwood, WA 98292 <o:p></o:p></p>
<p class="MsoNormal">(360) 629-2900 (Telephone) <o:p></o:p></p>
<p class="MsoNormal">(360) 629-0220 (Fax) <o:p></o:p></p>
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