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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='font-family:"Calibri",sans-serif;color:#1F497D'>It is my understanding, recently gained, that the super-priority statutes in Washington (and seven other states) means that the HOA lien is superior to the prior mortgages, even though the HOA line may be later in time. The mortgage/DOT might be first in time to the actual specific HOA lien but the mortgage/DOT are junior in legal status because of the need to have the fees paid. If the lender does not respond to s sheriff’s sale, for instance, the lender’s security can be eliminated.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'>See attached cases.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'>James R. Doran<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>100 E. Pine Street – Suite 205<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Bellingham, WA 98225<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>(360)393-9506<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><a href="mailto:jim@doranlegal.com"><span style='color:#0563C1'>jim@doranlegal.com</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>www.doranlegal.com<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><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 [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Jeanne Dawes<br><b>Sent:</b> Monday, March 16, 2015 5:26 PM<br><b>To:</b> WSBA Real Property Listserv (wsbarp@lists.wsbarppt.com)<br><b>Subject:</b> [WSBARP] CCR question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'>Dear Listmates:<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'>What is the rationale for subordinating the homeowner’s association lien/assessments to that of a first mortgage lender? Is it because lender’s will not lend if there is no subordination, or can the CCR’s not subordinate the lien, and create a preference for unpaid (defaulted) homeowner lien assessments that would have priority over subsequently recorded mortgages?<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><i><span style='font-size:18.0pt;font-family:"TypoUpright BT",serif'>Jeanne J.</span></i></b><b><i> </i></b><b><i><span style='font-size:18.0pt;font-family:"Bella Donna",serif'>Dawes</span></i></b><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Attorney at Law</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Gore & Grewe, P.S.</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>103 E. Indiana Avenue, Suite A</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Spokane, WA 99207-2317</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Voice: 509-326-7500</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Fax: 509-326-7503</span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><a href="mailto:jjdawes@goregrewe.com"><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>jjdawes@goregrewe.com</span></a></span><span style='font-family:"Calibri",sans-serif'><o:p></o:p></span></p></div><div style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>INFORMATION CONTAINED IN THIS E-MAIL TRANSMISSION IS PRIVILEGED AND CONFIDENTIAL. 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