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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Yes – politeness and humility often go a long way.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">PLEASE NOTE I WILL BE TRAVELING AND GONE JANUARY 14-22, 2024. I WILL HAVE ACCESS TO EMAIL AND WILL RESPOND TO YOU AS SOON AS POSSIBLE.<o:p></o:p></span></b></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold";mso-ligatures:none"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold";mso-ligatures:none">Diane J. Kiepe<o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Douglas Eden, P.S.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">717 W. Sprague Ave., Suite 1500<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Spokane, WA 99201<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="mailto:djkiepe@depdslaw.com"><span style="color:#0563C1">djkiepe@depdslaw.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">509-455-5300<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;mso-ligatures:none">KINDLY ALLOW 2-4 WORKING DAYS TO RECEIVE A RESPONSE TO NON-URGENT EMAILS. FEEL FREE TO SEND YOUR EMAIL (OR RESEND YOUR EMAIL AS THE CASE MAY BE) MARKED URGENT IN THE
SUBJECT LINE.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:black;mso-ligatures:none">DISCLAIMER: the preceding message and any attachments may contain confidential information protected by law, the attorney-client privilege or other privilege. This communication
is intended to be private and may not be recorded or copied without the consent of the author. If you believe this message has been sent in error, REPLY to sender and then DELETE this message. Thank you. </span><span style="mso-ligatures:none"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none"> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Mark Anderson<br>
<b>Sent:</b> Wednesday, January 10, 2024 10:49 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] Garn–St Germain Act and VA Loan<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:10.0pt;font-family:"Arial",sans-serif;color:#002060">It could be helpful to tell the loan officer that you need the opinion or statutory reference not only to relay the information to your client but also for your
own education / enlightenment, so that you can appropriately advise clients in the future. The loan officer might be more inclined to “help” you. (insert smiley face).
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#222A35;mso-ligatures:none">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#222A35;mso-ligatures:none">ANDERSON LAW FIRM PLLC<br>
821 Dock St Ste 209 PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:blue">marka@mbaesq.com</span></a><br>
<a href="http://www.mbaesq.com/"><span style="color:blue">www.mbaesq.com</span></a><b><o:p></o:p></b></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:none">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:none">This transmission is confidential and is intended solely for the use of the individual named recipient. It may be protected by the attorney-client
privilege, work product doctrine, or other confidentiality protection. If you are not the intended recipient, or the person responsible to deliver it to the intended recipient, be advised that any dissemination, distribution, or copying of this communication
is prohibited. If you have received this transmission in error, please immediately notify the sender via e-mail or by telephone at (253) 327-1750 that you have received the message in error, and then delete it. Thank you.</span><span style="font-size:7.5pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:none"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Thomas Sandstrom<br>
<b>Sent:</b> 01/09/2024 4:24 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> Re: [WSBAPT] Garn–St Germain Act and VA Loan<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks Diane – very good suggestion. I will put this back on the loan officer and see what happens.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto">
<b><span style="font-family:"Arial",sans-serif;mso-ligatures:none">Thomas D. Sandstrom<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto">
<b><span style="font-family:"Arial",sans-serif;mso-ligatures:none"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#ED7D31;mso-ligatures:none">SANDSTROM LAW, PLLC<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#2F5496;mso-ligatures:none">Mail to: P.O. Box 668, Friday Harbor, WA 98250</span><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#ED7D31;mso-ligatures:none"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="https://goo.gl/maps/7YoEopWuNt32">460 Caines Street, Friday Harbor, WA 98250</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#FF6A11;mso-ligatures:none">T</span></b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black;mso-ligatures:none">
<b>360.378.2191</b></span><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
<b>l</b></span><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black;mso-ligatures:none">
</span><b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#FF6A11;mso-ligatures:none">C
</span></b><b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;mso-ligatures:none">360.298.8994</span></b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
<b>l</b></span><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black;mso-ligatures:none">
<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#FF6A11;mso-ligatures:none"> </span></b><u><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#707173;mso-ligatures:none"><a href="mailto:tsandstrom@sjilaw.com"><span lang="FR">tsandstrom@sjilaw.com</span></a></span></u><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
<b>l</b> </span><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><a href="sjilaw.com"><span lang="FR" style="font-weight:normal">sjilaw.com</span></a></span></b><span lang="FR" style="mso-ligatures:none"><o:p></o:p></span></p>
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<p class="MsoNormal"><span lang="FR"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Diane J. Kiepe<br>
<b>Sent:</b> Tuesday, January 9, 2024 11:02 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] Garn–St Germain Act and VA Loan<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">I think the Loan officer is incorrect but before you withdraw, ask you client to have the loan officer provide the due on sale clause and provide a written opinion on why
Federal law does not govern (which I believe it does, as do you). I could almost guarantee you the loan officer can’t do this; particularly since she is already on the loan. I have a trusted loan officer and be happy to reach out to him if you’d like. I
believe the loan officer is likely not familiar with family transfers at death.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><b><span style="mso-ligatures:none">PLEASE NOTE I WILL BE TRAVELING AND GONE JANUARY 14-22, 2024. I WILL HAVE ACCESS TO EMAIL AND WILL RESPOND TO YOU AS SOON AS POSSIBLE.<o:p></o:p></span></b></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold";mso-ligatures:none"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-family:"Script MT Bold";mso-ligatures:none">Diane J. Kiepe<o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Douglas Eden, P.S.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">717 W. Sprague Ave., Suite 1500<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Spokane, WA 99201<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="mailto:djkiepe@depdslaw.com">djkiepe@depdslaw.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">509-455-5300<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;mso-ligatures:none">KINDLY ALLOW 2-4 WORKING DAYS TO RECEIVE A RESPONSE TO NON-URGENT EMAILS. FEEL FREE TO SEND YOUR EMAIL (OR RESEND YOUR EMAIL AS THE CASE MAY BE) MARKED URGENT IN THE
SUBJECT LINE.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:black;mso-ligatures:none">DISCLAIMER: the preceding message and any attachments may contain confidential information protected by law, the attorney-client privilege or other privilege. This communication
is intended to be private and may not be recorded or copied without the consent of the author. If you believe this message has been sent in error, REPLY to sender and then DELETE this message. Thank you. </span><span style="mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Thomas Sandstrom<br>
<b>Sent:</b> Tuesday, January 9, 2024 10:49 AM<br>
<b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a><br>
<b>Subject:</b> [WSBAPT] Garn–St Germain Act and VA Loan<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Hello All, <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Putting this out there in the case there is something I am missing. I have a Surviving Spouse/PR who is receiving all assets including the real property from decedent husband. There is a VA Loan in both names and it was created when the
rates were favorable. I had just completed a Personal Representatives Deed, sent if off to client for review and the next day I received an email that client’s trusted loan officer friend told her we should not be doing this because of the due on sale clause
will mean she has to renegotiate the low interest VA loan at a higher rate. First, I was of the understanding that VA loans typically do not have “due on sale” clauses because they are “assumable”. Second, my understanding has been that a spouse (relative
under the Code) is exempt under Garn-St Germain and should be able to assume the mortgage. Third the loan is in both Spouse and decedent Spouse’s name.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I am hoping I am not missing something – the loan officer friend has been so adamant that the client is now completely unwilling to sign the Deed. We can no longer proceed with distribution under the terms of the Will and I suppose I
will have to withdraw. Anyone out there aware of any issue with VA loans and a surviving spouse not being able to assume the loan under same terms?
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Best Regards, <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto">
<b><span style="font-family:"Arial",sans-serif;mso-ligatures:none">Thomas D. Sandstrom<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto">
<b><span style="font-family:"Arial",sans-serif;mso-ligatures:none"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#ED7D31;mso-ligatures:none">SANDSTROM LAW, PLLC<o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#2F5496;mso-ligatures:none">Mail to: P.O. Box 668, Friday Harbor, WA 98250</span><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#ED7D31;mso-ligatures:none"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="https://goo.gl/maps/7YoEopWuNt32">460 Caines Street, Friday Harbor, WA 98250</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-add-space:auto;text-autospace:none">
<b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#FF6A11;mso-ligatures:none">T</span></b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black;mso-ligatures:none">
<b>360.378.2191</b></span><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
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</span></b><b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;mso-ligatures:none">360.298.8994</span></b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
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<b><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#FF6A11;mso-ligatures:none"> </span></b><u><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#707173;mso-ligatures:none"><a href="mailto:tsandstrom@sjilaw.com"><span lang="FR">tsandstrom@sjilaw.com</span></a></span></u><span lang="FR" style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#717073;mso-ligatures:none">
<b>l</b> </span><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><a href="sjilaw.com"><span lang="FR" style="font-weight:normal">sjilaw.com</span></a></span></b><span lang="FR" style="mso-ligatures:none"><o:p></o:p></span></p>
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