<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:x="urn:schemas-microsoft-com:office:excel" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Aptos;}
@font-face
{font-family:"Arial Narrow";
panose-1:2 11 6 6 2 2 2 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
font-size:12.0pt;
font-family:"Aptos",sans-serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
span.EmailStyle19
{mso-style-type:personal-reply;
font-family:"Arial",sans-serif;
font-variant:normal !important;
color:#002060;
text-transform:none;
position:relative;
top:0pt;
mso-text-raise:0pt;
letter-spacing:0pt;
font-weight:normal;
font-style:normal;
text-decoration:none none;
vertical-align:baseline;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:11.0pt;}
.MsoPapDefault
{mso-style-type:export-only;
margin-bottom:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style>
</head>
<body lang="EN-US" link="blue" vlink="purple" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">This sounds like a short plat rather than a BLA. Because the ownership probably remained the same, I do not see where the grantee of a deed of trust would necessarily
have an issue with this, except "administratively."<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>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Under the Garn-St. Germain Act (12 U.S.C. ยง 1701j-3), I think the only tricky part about the estate plan is Parcel 3 going to charity.<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>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">ANDERSON LAW FIRM PLLC<br>
821 Dock Street, Suite 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:#002060">marka@mbaesq.com</span></a><br>
<a href="http://www.mbaesq.com/"><span style="color:#002060">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">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060">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.<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>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Brent Williams-Ruth<br>
<b>Sent:</b> Monday, January 26, 2026 11:45 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <WSBAPT@lists.wsbarppt.com>; WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBARP] Cross Posting - What happens to mortgage after a Boundary Line Adjustment<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Greetings RP and PT colleagues - <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">I have a client who created a family compound. The way they did it was by buying property (Let's call Parcel X). <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">They then proceeded forward to do a boundary line adjustment using only a survey company - no legal representation. Parcel X is now "inactive" and has been replaced
in county records with Parcel 1, 2, & 3. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">The mortgage company was never told or advised about this. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Client wants to update Estate Plan such that Parcel 1 goes to Daughter; Parcel 2 goes to Son; and Parcel 3 goes to charity (just to avoid duplicative children tracking). <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Client wants the mortgage balance to be apportioned to each parcel by % value of total combined. Parcel 1 gets 40% of mortgage because it is 40% of the total value
of the three parcels; Parch 2 gets 35% of mortgage obligation; and Parcel 3 gets 25% of mortgage obligation. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Now for my questions: <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">1) Because the mortgage company was not advised and did not provide consent to the BLA - is the client in tricky waters re: due-on-sale as a conveyance or other negative
ramifications where they could lose their very nice "covid" interest rate? (I have requested a copy of the mortgage document itself). <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">2) Assuming that the client will not be forced to refinance for violating the T&C of the mortgage when doing the BLA.....what is the best way to apportion the mortgage
debt? <o:p></o:p></span></p>
</div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><br clear="all">
<o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Appreciate any guidance to help steer this client toward success in updating their estate plan.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-family:"Arial",sans-serif">Brent<o:p></o:p></span></p>
</div>
<p class="MsoNormal" style="margin-bottom:10.0pt"><o:p> </o:p></p>
</div>
<div>
<div>
<div>
<div>
<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><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-size:7.5pt;font-family:"Times New Roman",serif">a division of BWR Consulting, PLLC</span></b><o:p></o:p></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><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif;color:red">Mailing Address:</span></b><b><span style="font-family:"Times New Roman",serif"> PO BOX 3319; Federal Way, WA 98063 </span></b><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></span><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif;color:red">For All Meetings & Scheduling:
<a href="mailto:info@williams-ruthlaw.com" target="_blank">info@williams-ruthlaw.com</a></span><o:p></o: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><o:p></o:p></p>
</div>
</div>
</div>
</div>
</div>
</div>
</body>
</html>