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<p class="MsoNormal">I agree with Dalynne.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I have had many estates with this issue where I am the PR. I generally proceed along the lines suggested by Dalynne.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">An additional note is to sell the residence. Generally the PR can market, sell, and close the sale within 60-90 days. That usually beats the Bank’s clock on a nonjudicial foreclosure. Often you can make the Bank restart the procedure
because they issued the Notice of Default to the decedent instead of the “Heirs and Devisees” or the PR. Of course, you need to bring that to their attention with the news of the defect with their Notice. That will buy you additional time.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"> Bruce Moen<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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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>Dalynne Singleton<br>
<b>Sent:</b> Wednesday, March 29, 2023 8:12 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Dealing with a mortgage during probate<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Sharon, If there is money in an estate, then of course, continue to pay the mortgage. If the PR is confident of the sale price equity more than debts, then they can “front” the monies and be repaid when the
home sells. This is addressed on a case by case basis. It does usually take a few months for the mortgage company to start foreclosure so usually if no monies, the PR can skip a few payments but make sure you or the PR make contact with the mortgage company
and review the contract.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">If insolvent estate, I would say no do not pay but the PR needs to make sure they know the consequences of allowing foreclosure, not paying the mortgage and being personally liable if they are making the wrong
decision. The PR cannot ignore the debts/assets and must address these issues head on which I am sure you have advised the PR. If there are other heirs to the Estate, I would also keep them informed so they can provide monies for the mortgage is they choose
to do so and be repaid when the home sells.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">If facing pending foreclosure and trustee sale date, we have recently obtained a stay/injunction against the trustee sale in probate in non-judicial foreclosure but it required filing a separate cause of action
and hearing, motion to shorten time in Snohomish County.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Tahoma",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-family:"Arial",sans-serif;color:#1F497D">Dalynne Singleton</span></i></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif;color:#1F497D">Gourley Law Group</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif;color:#1F497D">Snohomish Escrow</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif;color:#1F497D">The Exchange Connection</span></b><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">1002 10<sup>th</sup> Street / PO Box 1091</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Snohomish, WA 98291</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">360.568.5065</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">360.568.8092 fax</span><o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:dalynne@glgmail.com" target="_blank"><span style="font-family:"Arial",sans-serif;color:#0563C1">dalynne@glgmail.com</span></a><o:p></o:p></p>
<p class="MsoNormal"><u><span style="font-family:"Arial",sans-serif;color:#0563C1">Website:
</span></u><a href="http://www.glglawgroup.com/" target="_blank"><span style="font-family:"Arial",sans-serif">www.glglawgroup.com</span></a><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Attorney/client meetings will be handled by teleconference or virtually whenever possible. If you would like to set a telephone conference, Zoom, Microsoft teams or in person meeting, please
call or email my paralegal <u><span style="color:blue"><a href="mailto:theresa@glgmail.com,%20angelina@glgmail.com"><span style="color:#0563C1">theresa@glgmail.com, angelina@glgmail.com</span></a></span></u> or
<a href="mailto:dainagray@glgmail.com"><span style="color:#0563C1">dainagray@glgmail.com</span></a>. Co-counsel Anna Thompson can be reached at
<a href="mailto:anna@glgmail.com"><span style="color:#0563C1">anna@glgmail.com</span></a>.<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><i><span style="font-family:Californian;color:black">LICENSED IN WASHINGTON</span></i><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b>From:</b> <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>Inge Fordham<br>
<b>Sent:</b> Wednesday, March 29, 2023 7:59 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] dealing with a mortgage during probate<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Please reply to the list. I’ve always advised the PR to continue paying the mortgage to avoid foreclosure. Interested in how others advise their clients on this topic.<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><o:p> </o:p></p>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<p class="MsoNormal" style="margin-bottom:12.0pt">On Mar 28, 2023, at 7:53 PM, Sharon Rutberg <<a href="mailto:sharon@salmonbaylaw.com">sharon@salmonbaylaw.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Hi, folks –<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">When an asset in probate is residential real property that carries a mortgage, during the months before it is sold or transferred to a new owner (not a spouse), does the PR need to keep paying the mortgage? Or will the lender grant a forbearance
until the property can be dealt with? Paying the mortgage could be difficult for the PR if there is not much liquidity in the estate.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Many thanks,<o:p></o:p></p>
<p class="MsoNormal">Sharon <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">Sharon C. Rutberg, Attorney at Law</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">Salmon Bay Law Group, PLLC</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">1734 NW Market St.</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">Seattle, WA 98107</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">206-735-3177, ext. 2</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:black"><a href="mailto:sharon@salmonbaylaw.com"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#0563C1">sharon@salmonbaylaw.com</span></a></span><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">Website:
<a href="http://www.salmonbaylaw.com/"><span style="color:#0563C1">www.salmonbaylaw.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:black">Washington State Bar #47055<br>
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