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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:#1F497D'>It technically is not her homestead because she is not living there. See 6.13.050. My (limited) experience is that lenders don’t understand this, and a qcd will be requested/required. May help to get the wife to sign though.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Tim Williams<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Tacoma<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Valentine, Gretchen (TRGC)<br><b>Sent:</b> Thursday, February 26, 2015 5:19 PM<br><b>To:</b> WSBA Real Property Listserv<br><b>Subject:</b> Re: [WSBARP] RCW 6.13.060 homestead spouse signing rule<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>In that case, I think the lender will require that the wife sign the deed of trust in some way. What I usually do is: <o:p></o:p></span></p><ol start=1 type=1><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Have the wife QCD the property to "husband, as his separate estate" with the QCD recorded just prior to the recording of the deed to husband; <o:p></o:p></span></li><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Have the husband be the sole grantor on the deed of trust, but have the wife sign the deed of trust at the end of the document, with the following words typed just above her signature: "SIGNING NOT AS AN OBLIGOR OR GUARANTOR BUT MERELY TO ENCUMBER ANY HOMESTEAD OR COMMUNITY INTEREST THAT MAY ARISE"<o:p></o:p></span></li></ol><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>That usually satisfies most lenders. However, sometimes lenders may have other requirements. <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Good luck!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Gretchen<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <o:p></o:p></span></p><div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Gretchen Valentine<br>VP and NW Regional Underwriting Counsel<br>Title Resources Guaranty Company<br>14450 NE 29th Place, Suite 100<br>Bellevue, WA 98007<br>425-896-3836 (direct)<br>425-451-7301 (office)<br>206-962-7744 (cell)<br><a href="mailto:gretchen.valentine@titleresources.com">gretchen.valentine@titleresources.com</a><o:p></o:p></span></p></div></div><div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><hr size=2 width="100%" align=center></span></div><div id=divRpF615949><p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [wsbarp-bounces@lists.wsbarppt.com] on behalf of Eric Nelsen [Eric@sayrelawoffices.com]<br><b>Sent:</b> Thursday, February 26, 2015 3:58 PM<br><b>To:</b> WSBA Real Property Listserv<br><b>Subject:</b> Re: [WSBARP] RCW 6.13.060 homestead spouse signing rule</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><o:p></o:p></span></p></div><div><div><p class=MsoNormal><span style='color:#1F497D'>Just physically separated, no legal action. Living separate and apart for about 4 years.</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>Sincerely,</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>Eric</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>Eric C. Nelsen</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>SAYRE LAW OFFICES, PLLC</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>1320 University St</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>Seattle WA 98101-2837</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>phone 206-625-0092</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:#1F497D'>fax 206-625-9040</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Valentine, Gretchen (TRGC)<br><b>Sent:</b> Thursday, February 26, 2015 3:36 PM<br><b>To:</b> WSBA Real Property Listserv<br><b>Subject:</b> Re: [WSBARP] RCW 6.13.060 homestead spouse signing rule</span><span style='color:black'><o:p></o:p></span></p></div></div><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><div><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Eric - </span><span style='color:black'><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Is the married couple merely separated physically? Or is the married couple separated by Decree of Legal Separation? </span><span style='color:black'><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Gretchen</span><span style='color:black'><o:p></o:p></span></p><div><p><span style='color:black'> <o:p></o:p></span></p><div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Gretchen Valentine<br>VP and NW Regional Underwriting Counsel<br>Title Resources Guaranty Company<br>14450 NE 29th Place, Suite 100<br>Bellevue, WA 98007<br>425-896-3836 (direct)<br>425-451-7301 (office)<br>206-962-7744 (cell)<br><a href="mailto:gretchen.valentine@titleresources.com" target="_blank">gretchen.valentine@titleresources.com</a></span><span style='color:black'><o:p></o:p></span></p></div></div></div><div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><hr size=2 width="100%" align=center></span></div><div id=divRpF563511><p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [wsbarp-bounces@lists.wsbarppt.com] on behalf of Eric Nelsen [Eric@sayrelawoffices.com]<br><b>Sent:</b> Thursday, February 26, 2015 2:38 PM<br><b>To:</b> WSBA Real Property listserve (<a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a>)<br><b>Subject:</b> [WSBARP] RCW 6.13.060 homestead spouse signing rule</span><span style='color:black'><o:p></o:p></span></p></div><div><div><p class=MsoNormal><span style='color:black'>Hi all--RCW 6.13.060 states:<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>RCW 6.13.060 - Conveyance or encumbrance by spouses or domestic partners.<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>The homestead of a spouse or domestic partner cannot be conveyed or encumbered unless the instrument by which it is conveyed or encumbered is executed and acknowledged by both spouses or both domestic partners, except that either spouse or both or either domestic partner or both jointly may make and execute powers of attorney for the conveyance or encumbrance of the homestead.<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Facts: Married couple is separated for multiple years. Husband wants to buy a house and needs to finance it. H will buy as his separate property and estate. H plans to live there, so the house will be his homestead.<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Question: Does Wife need to sign the Deed of Trust on H's loan under this statute, even though she isn't going to live there and won't have any interest in the house?<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>I haven't looked at case law, but the statute seems pretty broad--if the property is the homestead of "<b><u>a</u></b> spouse" then the other spouse has to "execute and acknowledge" any encumbrance. Statute says nothing about whether the other spouse uses the same property as a homestead or not.<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Full disclosure: I answered this question "yes, need spouse's signature" to an Avvo questioner, and a very experienced title insurance attorney answered "no you don't." So here I am, possibly looking like a dummy, and humbly requesting enlightenment.<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>Sincerely,</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>Eric</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>Eric C. Nelsen</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>SAYRE LAW OFFICES, PLLC</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>1320 University St</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>Seattle WA 98101-2837</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>phone 206-625-0092</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;color:black'>fax 206-625-9040</span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p></div></div></div></div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><br>_____________________________________________________________________________<br>This electronic mail message transmission contains information which may be Confidential and/or Privileged. 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