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<p class="MsoNormal">Hi Maura,<o:p></o:p></p>
<p class="MsoNormal">I agree with Jamia. The term to use is “Successor In Interest”. You can demonstrate that by providing the Transfer on Death Deed and the Death Certificate to the lender. For example, see
<a href="https://www.becu.org/-/media/Files/PDF/P-1250.pdf">BECU’s information here</a>. The lender should have a form for this purpose. Sometimes it takes a few tries to get the lender the documentation they want. I have never tried to do it without Letters
Testamentary, but the inheritors should be able to talk directly with the lender once the lender recognizes them as the Successors In Interest.<o:p></o:p></p>
<p class="MsoNormal">Best, <o:p></o:p></p>
<p class="MsoNormal">Nick<o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:12.0pt;color:black">Nicholas Pleasants | Shareholder
<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="color:black"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><span style="color:#70AD47"><img border="0" width="223" height="95" style="width:2.3229in;height:.9895in" id="Picture_x0020_2" src="cid:image001.jpg@01D92535.1B09C5E0" alt="OseranHahnAttyatLaw 8"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#70AD47"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:black">11225 SE 6<sup>th</sup> Street | Suite 100 | Bellevue, WA 98004<br>
Main: (425) 455-3900 | Fax: (425) 455-9201 | E-mail: <a href="mailto:npleasants@ohswlaw.com">
<span style="color:#0563C1">npleasants@ohswlaw.com</span></a> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#1F497D">CONFIDENTIALITY NOTE: This e-mail message contains information belonging to the law firm of Oseran Hahn, P.S., which may be privileged,
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<p class="MsoNormal"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Jamia Burns<br>
<b>Sent:</b> Tuesday, January 10, 2023 2:55 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] TOD Issue<o:p></o:p></p>
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<p class="MsoNormal">Take a death certificate to the County Treasurer with a Reeta and get the property officially transferred to the new owners on the County's website. Then send a copy of the deed, a death certificate, and the state law regarding Transfer
on Death Deeds to the Lender. Good luck!<o:p></o:p></p>
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<p class="MsoNormal">Jamia S. Burns<br>
Attorney at Law<br>
(360) 739-6379<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:9.5pt">Office: 1200 Dupont St., Suite 1-D<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:9.5pt">Bellingham, WA 98225 (By Appointment Only)</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black"><a href="mailto:jamia@jamiaburnslaw.com" target="_blank">jamia@jamiaburnslaw.com</a></span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black"><a href="http://www.jamiaburnslaw.com" target="_blank">www.jamiaburnslaw.com</a></span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">On Tue, Jan 10, 2023 at 1:14 PM Maura McCoy <<a href="mailto:maura@theharborlawgroup.com">maura@theharborlawgroup.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal">The decedent left behind a spouse and two kids from a previous relationship. Decedent owned a house as separate property and created a TOD for that property to go to his two kids. House has a mortgage. Mortgage lender refuses to talk to
surviving spouse or kids, or even provide payoff amount and is requesting letters testamentary. Has anyone dealt with this issue before? Any ideas on ways to avoid opening probate?<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">Maura Senecal McCoy | Associate Attorney <br>
(she/her/hers)<o:p></o:p></span></p>
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</span><b><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#FF2600">Please Note Our New Address as of January 1, 2023:</span></b><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black"><br>
<br>
The Harbor Law Group <br>
8811 Harborview Dr. Ste. B<br>
Gig Harbor, WA 98332-2174<br>
Tel. (253) 358-2215 | (800) 836-6531<br>
Direct: (253) 432-9853<br>
Fax. (253) 358-2215<br>
<a href="http://www.theharborlawgroup.com" target="_blank">www.theharborlawgroup.com</a><br>
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<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>
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