<div dir="ltr"><div>OK, I missed the part that she isn't on the mortgage.</div><div><br></div><div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div dir="ltr"><div><span style="font-family:Arial,sans-serif;font-size:10pt">Ann Manley, Esq.</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt">The Manley Law Firm, P.S., Inc.</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt">PO Box 16324</span><br><span style="font-family:Arial,sans-serif;font-size:10pt"></span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt">Seattle, WA  98116</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt"><a value="+12062923064">(206)292-3064</a> / <a value="+12062923914">(206)292-3914</a> fax</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"><a href="http://www.manleyfirm.com" target="_blank">www.manleyfirm.com</a></span></div><p><b style="font-family:arial,sans-serif"><i><span style="font-size:10pt;font-family:Arial,sans-serif">The Manley Law Firm practice areas include Bankruptcy*, Estate Planning, Auto Accidents, Civil Litigation, Construction, Commercial and Contract Law, Personal injury, Small Business, Unemployment Claims, Wage Loss and Compensation claims</span></i></b><br></p><p><i><span style="font-family:Arial,sans-serif;font-size:8pt">* The Manley Law Firm is a Debt Relief Agency.  We help people file for bankruptcy relief under the Bankruptcy Code.</span></i><i><span style="font-family:Arial,sans-serif;font-size:10pt"></span></i></p><p><b><span style="font-family:Arial,sans-serif;font-size:10pt">This email and any files transmitted with it are privileged, confidential, and intended solely to whom they are addressed.  Any unauthorized use, copying, review or disclosure is prohibited.  If you have received this communication in error, please immediately notify the sender.</span></b><span style="font-family:Arial,sans-serif;font-size:10pt"></span></p></div></div></div></div><br></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Aug 22, 2024 at 3:44 PM Laura Latta <<a href="mailto:laura@lauralatta.com">laura@lauralatta.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr">I have come across this issue and reached the same conclusion as Brent. In this example there is an exception protecting the transfer from the father's estate to the daughter. There is not an exception protecting the transfer from the daughter to her trust because she is not the borrower. I would love to be wrong about this though. <div><br clear="all"><div><div dir="ltr" class="gmail_signature"><div dir="ltr"><div dir="ltr"><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><font color="#45818e" face="georgia, serif"><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" face="georgia, serif">she/her</font></p><p style="margin:0in 0in 0.0001pt;line-height:13.15pt;background-image:initial;background-position:initial;background-repeat:initial"><font face="georgia, serif"><span style="color:rgb(102,102,102)">Phone (206) 841-2344</span><br></font></p><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><font color="#666666" face="georgia, serif"><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"><font color="#666666" face="georgia, serif">4010 Lake Washington Blvd. NE Ste. 202</font></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"><font color="#666666" face="georgia, serif">Kirkland, WA 98033</font></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><br></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Aug 22, 2024 at 2:45 PM Brent Williams-Ruth <<a href="mailto:brent@williams-ruthlaw.com" target="_blank">brent@williams-ruthlaw.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div class="gmail_default" style="font-family:arial,sans-serif">I am totally open to being wrong - it is how we learn and grow - but I am not sure that I am wrong. So allow me to explain the assumptions made from the reading of the original message and how I add colorful facts to make it easier for my brain to follow along. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">My understanding from Ms. Madison's post is that her client (the daughter, we shall call her Famous Hollywood Agent) has inherited her father's house in (let's just say Seattle).  Father - who I am naming Mr. Johnson -  passed away with an outstanding mortgage balance (let's call it the Mortgage of Mr. Johnson).  Famous Hollywood agent has established life and owns her own home in Pacific Palisades and, like the vast majority of Californians, has a California RLT. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">I see the question as whether Famous Hollywood Agent may take Mr. Johnson's house and add it to her California Trust, where the BORROWER is still Mr. Johnson and Mr. Johnson's Mortgage and the beneficiary of the Trust is Daughter Hollywood Agent. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">If those are the facts, my read of Exemption #8 does not apply. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">Am I wrong?</div><div><div dir="ltr" class="gmail_signature"><div dir="ltr"><div dir="ltr"><p><b><span style="font-family:"Times New Roman",serif">Brent
Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span></p><p><b><span style="font-family:"Times New Roman",serif">Law
Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></p><p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal
Way, WA 98003</span></b><span style="font-family:"Times New Roman",serif"></span></p><p><b><span style="font-family:"Times New Roman",serif"><font color="#ff0000">Mailing Address:</font> </span></b><b><span style="font-family:"Times New Roman",serif">PO BOX 3319; Federal Way, WA 98063 </span></b></p><p><span style="font-family:"Times New Roman",serif">Office/Scheduling
Phone:<span style="color:rgb(0,64,128)"> </span><font color="#ff0000">(253) 285-7751</font></span></p><p><font color="#ff0000" face="Times New Roman, serif">For All Meetings & Scheduling: <a href="mailto:info@williams-ruthlaw.com" target="_blank">info@williams-ruthlaw.com</a></font></p><p>









</p><p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> / </span><span style="font-size:12pt;font-family:"Times New Roman",serif"></span></p></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Aug 22, 2024 at 2:04 PM Ann Manley <<a href="mailto:ann@manleyfirm.com" target="_blank">ann@manleyfirm.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div>Exception 8 says: "A transfer into an inter vivos trust in which the borrower is and 
remains a beneficiary <b><i>and which does not relate to a transfer of rights 
of occupancy in the property</i>.</b>"</div><div><br></div><div>Does this mean the property owner must retain the right to occupy the property?</div><div><b><br></b></div><div><div dir="ltr" class="gmail_signature"><div dir="ltr"><div dir="ltr"><div><span style="font-family:Arial,sans-serif;font-size:10pt">Ann Manley, Esq.</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt">The Manley Law Firm, P.S., Inc.</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt">PO Box 16324</span><br><span style="font-family:Arial,sans-serif;font-size:10pt"></span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt">Seattle, WA  98116</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"></span><span style="font-family:Arial,sans-serif;font-size:10pt"><a value="+12062923064">(206)292-3064</a> / <a value="+12062923914">(206)292-3914</a> fax</span></div><div><span style="font-family:Arial,sans-serif;font-size:10pt"><a href="http://www.manleyfirm.com" target="_blank">www.manleyfirm.com</a></span></div><p><b style="font-family:arial,sans-serif"><i><span style="font-size:10pt;font-family:Arial,sans-serif">The Manley Law Firm practice areas include Bankruptcy*, Estate Planning, Auto Accidents, Civil Litigation, Construction, Commercial and Contract Law, Personal injury, Small Business, Unemployment Claims, Wage Loss and Compensation claims</span></i></b><br></p><p><i><span style="font-family:Arial,sans-serif;font-size:8pt">* The Manley Law Firm is a Debt Relief Agency.  We help people file for bankruptcy relief under the Bankruptcy Code.</span></i><i><span style="font-family:Arial,sans-serif;font-size:10pt"></span></i></p><p><b><span style="font-family:Arial,sans-serif;font-size:10pt">This email and any files transmitted with it are privileged, confidential, and intended solely to whom they are addressed.  Any unauthorized use, copying, review or disclosure is prohibited.  If you have received this communication in error, please immediately notify the sender.</span></b><span style="font-family:Arial,sans-serif;font-size:10pt"></span></p></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Aug 22, 2024 at 12:53 PM Brent Williams-Ruth <<a href="mailto:brent@williams-ruthlaw.com" target="_blank">brent@williams-ruthlaw.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div class="gmail_default" style="font-family:arial,sans-serif">I have not personally come across this, but given that Exemption #8 specifically states that it is OK to go into trust so long as the borrower is the one beneficiary, I would surmise that it does not protect the transfer.Definitely worth reading the entire statute though (I created a cheat sheet with just the 9 exemptions away from the rest of the statute. </div><div><div dir="ltr" class="gmail_signature"><div dir="ltr"><div dir="ltr"><p><b><span style="font-family:"Times New Roman",serif">Brent
Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span></p><p><b><span style="font-family:"Times New Roman",serif">Law
Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></p><p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal
Way, WA 98003</span></b><span style="font-family:"Times New Roman",serif"></span></p><p><b><span style="font-family:"Times New Roman",serif"><font color="#ff0000">Mailing Address:</font> </span></b><b><span style="font-family:"Times New Roman",serif">PO BOX 3319; Federal Way, WA 98063 </span></b></p><p><span style="font-family:"Times New Roman",serif">Office/Scheduling
Phone:<span style="color:rgb(0,64,128)"> </span><font color="#ff0000">(253) 285-7751</font></span></p><p><font color="#ff0000" face="Times New Roman, serif">For All Meetings & Scheduling: <a href="mailto:info@williams-ruthlaw.com" target="_blank">info@williams-ruthlaw.com</a></font></p><p>









</p><p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> / </span><span style="font-size:12pt;font-family:"Times New Roman",serif"></span></p></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Aug 22, 2024 at 12:36 PM Morgan Madison <<a href="mailto:morgan@madeira-legal.com" target="_blank">morgan@madeira-legal.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div>





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<p class="MsoNormal">Hello list: <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Client inherits Washington real property subject to mortgage (inherited from her father). Client resides in California and owns real property in California in a revocable living trust. Client would like to add the Washington real property
 to her California trust. <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Does the Garn-St. Germain Act protect the transfer to her trust from triggering the due on sale clause of the mortgage?
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Thank you,<u></u><u></u></p>
<p class="MsoNormal">Morgan<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><b><span style="font-size:12pt;font-family:"Century Gothic",sans-serif;color:rgb(243,111,95)">Morgan K. Madison<u></u><u></u></span></b></p>
<p class="MsoNormal"><b><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)">ATTORNEY<u></u><u></u></span></b></p>
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Description automatically generated"><u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)">253.222.7778<u></u><u></u></span></b></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)">3812 North 26^th Street, Suite B<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)">Tacoma, WA 98407<u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:9pt;font-family:"Century Gothic",sans-serif;color:rgb(126,102,98)"><a href="http://madeira-legal.com" target="_blank">madeira-legal.com</a></span></b><b><span style="font-size:9pt;font-family:"Century Gothic",sans-serif"><u></u><u></u></span></b></p>
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<p class="MsoNormal"><span style="font-size:9pt;color:rgb(125,101,98)">NOTICE: This communication may contain confidential information, material protected by attorney-client privilege, or attorney work product. If you have received it in error,
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***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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***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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