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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;color:#1F497D">I like Rob’s solution of a special power of attorney. I would include in it explicit language authorizing the lender to disclose to the attorney-in-fact
anything about the loan and its foreclosure that the lender would disclose to the borrower. You have to keep in mind that you are dealing with low-level bureaucrats whose main goal is not getting fired for walking outside the lines. They need a piece of
paper with the borrower’s signature on it authorizing the lender to do what you want it to do. And, if what they are given is not on a lender-drafted form, they probably will want to get the approval of a higher up.
<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D">Rod Harmon</span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold"> </span></font></b><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold">RODNEY T. HARMON</span></font></b><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="2" color="#1f497d" face="Arial"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold"> Attorney at Law</span></font></b><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> P.O. Box 1066</span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Bothell, WA 98041</span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Tel: (425) 402-7800</span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Fax: (425) 458-9096</span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a href="http://www.rodharmon.com"><font color="#0563c1"><span style="color:#0563C1">www.rodharmon.com</span></font></a></span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a href="mailto:rodharmon@msn.com"><font color="#0563c1"><span style="color:#0563C1">rodharmon@msn.com</span></font></a></span></font><font size="2"><span style="font-size:11.0pt"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-weight:bold">From:</span></font></b><font size="2"><span style="font-size:11.0pt"> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<b><span style="font-weight:bold">On Behalf Of </span></b>Rob Rowley<br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, June 15, 2020 8:02 AM<br>
<b><span style="font-weight:bold">To:</span></b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b><span style="font-weight:bold">Subject:</span></b> Re: [WSBARP] 3rd Party Mortgage Cure?<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" face="Calibri"><span style="font-size:12.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Typically, the cure has to be tendered to the trustee and not the bank branch and is spelled out in great detail with the cure. Trustee
has to accept a cure up to 11 days prior to sale. Almost always will accept a cure within the 11 days and sometimes (not always) the day before the sale.</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">If the borrower is competent and cooperative I have seen many real estate investors/third parties obtain a special power of attorney
allowing the investor/third party to directly contact the lender and trustee without issue.</span></font><o:p></o:p></p>
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<p class="MsoNormal"><b><font size="3" color="black" face="Arial"><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:black;font-weight:bold">Robert R Rowley</span></font></b><font size="2" face="Arial"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><br>
</span></font><font size="2" color="#0e1735" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0E1735">Attorney & Counselor at Law</span></font><font size="2" face="Arial"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><br>
<font color="blue"><span style="color:blue"><img border="0" width="12" height="12" id="Picture_x0020_2" src="cid:image002.png@01D642F5.263D7170"></span></font> <a href="tel:(509)%20252-5074" target="new"><font size="1" color="#7e8183"><span style="font-size:9.0pt;color:#7E8183">(509)
252-5074</span></font></a> <font color="blue"><span style="color:blue"><img border="0" width="12" height="12" id="Picture_x0020_3" src="cid:image003.png@01D642F5.263D7170"></span></font> <a href="tel:(509)%20994-1143" target="new"><font size="1" color="#7e8183"><span style="font-size:9.0pt;color:#7E8183">(509)
994-1143</span></font></a><br>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><i><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;font-style:italic">Practice concentrated on business, real estate and
general legal matters in Washington and Idaho. </span></font></i><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">NOTICE: The contents of this message and any attachments may be protected
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DISCLAIMER: You should recognize that responses provided by e-mail means are akin to ordinary telephone or face-to-face conversations and do not reflect the level of factual or legal inquiry or analysis which would be applied in the case of a formal legal
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<p class="MsoNormal"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-weight:bold">From:</span></font></b><font size="2"><span style="font-size:11.0pt">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>>
<b><span style="font-weight:bold">On Behalf Of </span></b>marc <a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Fholmeslawgroup.com%2F&data=02%7C01%7C%7Ce20aa953f1d941a48dd808d8113ed3fc%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C637278308823816517&sdata=FTrXQo2tSKtQ%2F5iq6bHh3NNxN7jhIiCVaKGBebK%2Bamo%3D&reserved=0">
holmeslawgroup.com</a><br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, June 15, 2020 7:46 AM<br>
<b><span style="font-weight:bold">To:</span></b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b><span style="font-weight:bold">Subject:</span></b> Re: [WSBARP] 3rd Party Mortgage Cure?</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="3" face="Calibri"><span style="font-size:12.0pt"> <o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">The recorded Notice of Trustee’s Sale will provide the amount in default and required to cure, the deadline to cure, and the contact
info for the trustee. I’d contact them and see if they can’t make arrangements to receive the payment.</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Alternatively, have the sister take a copy of it with her into a US Bank branch with a check to cure the default. I’d be surprised
if she can’t find a sympathetic teller and branch manager to help figure it out.</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Marc Holmes, JD<br>
Holmes Law Group PLLC</span></font><o:p></o:p></p>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">2303 W. Commodore Way, Suite 306</span></font><o:p></o:p></p>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Seattle, WA 98199<br>
</span></font><font size="2"><span style="font-size:11.0pt"><a href="mailto:marc@holmeslawgroup.com"><font size="3" color="blue" face="Times New Roman"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:blue">marc@holmeslawgroup.com</span></font></a></span></font><font face="Times New Roman"><span style="font-family:"Times New Roman",serif"><br>
(206) 357-4224 (ofc)<br>
(206) 849-0853 (cell)</span></font><o:p></o:p></p>
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<p class="MsoNormal"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-weight:bold">From:</span></font></b><font size="2"><span style="font-size:11.0pt">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>>
<b><span style="font-weight:bold">On Behalf Of </span></b>Kary Krismer<br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, June 15, 2020 9:28 AM<br>
<b><span style="font-weight:bold">To:</span></b> <a href="mailto:wsbarp@lists.wsbarppt.com">
wsbarp@lists.wsbarppt.com</a><br>
<b><span style="font-weight:bold">Subject:</span></b> Re: [WSBARP] 3rd Party Mortgage Cure?</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="3" face="Calibri"><span style="font-size:12.0pt"> <o:p></o:p></span></font></p>
<p><font size="3" face="Times New Roman"><span style="font-size:12.0pt">I had a listing a couple years ago where getting a payoff out of the bank was extremely difficult because my client had foreclosed out the borrower. Being the owner of the property was
not good enough for the bank to give that information out, even though we were under contract. I finally located someone at the bank high enough up to put pressure on the payoff department to act. I don't think I would have succeeded if I had not represented
the owner (e.g. represented a third party).<o:p></o:p></span></font></p>
<p><font size="3" face="Times New Roman"><span style="font-size:12.0pt">I'm not sure the NTS will give you the information you need due to subsequent charges and fees. But you could overpay to be on the safe side. Overpaying may not matter in the long run,
which leads to the next point.<o:p></o:p></span></font></p>
<p><font size="3" face="Times New Roman"><span style="font-size:12.0pt">I'd be worried about this being a recurring problem. If the client cannot just pay off the mortgage such as perhaps buying at foreclosure, they could be just throwing money away if the
payment issues cannot be resolved. If there's not a long term plan I would advise against the initial cure.<o:p></o:p></span></font></p>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt">Kary L. Krismer<o:p></o:p></span></font></pre>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt">John L. Scott, Inc. <o:p></o:p></span></font></pre>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt">206 723-2148<o:p></o:p></span></font></pre>
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<p class="MsoNormal"><font size="3" face="Calibri"><span style="font-size:12.0pt">On 6/14/2020 2:15 PM, Erik Marks wrote:<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Client's brother owns home with one mortgage on it, LTV of about 25%. Clearly there is significant equity. Client recently found out the mortgage is in foreclosure, with the
sale date in late July. Client does not know why brother is neither paying mortgage, nor dealing with the foreclosure process; he does not talk about it. Mental health issues are suspect, but those cannot be solved in time to stop the sale.</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Client wants to find out cost to cure, and pay it. And thereafter make ordinary monthly payments on the loan, until she can help her brother get things sorted out.
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"> </span></font><o:p></o:p></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">The challenge is that client is not the borrower, and borrower has not asked/authorized lender to work with client. So, my question to the group is: do you think the lender (US
Bank) will cooperate to allow a 3<sup>rd</sup> Party to cure the mortgage default? And any suggestions how to get in contact with US Bank to discuss, other than calling in through the 1-800 front door phone lines?</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Thank you for any insights you may have.
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<p class="MsoNormal"><b><i><font size="2" color="#4d573a" face="Arial"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#4D573A;font-weight:bold;font-style:italic">Erik G Marks</span></font></i></b><font size="2" color="#4d573a"><span style="font-size:10.5pt;color:#4D573A"> </span></font><o:p></o:p></p>
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<p class="MsoNormal"><b><i><font size="2" color="#4d573a" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#4D573A;font-weight:bold;font-style:italic">Attorney at Law</span></font></i></b><font size="2" color="#4d573a" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#4D573A">
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2255 Harbor Ave SW</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" color="black" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Suite 203</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" color="black" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Seattle, WA 98126</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" color="black" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" color="black" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">office: 206-264-4598 <br>
cell: 206-612-8653<br>
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</span></font><u><font size="2" color="#0000fe" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0000FE"><a href="mailto:erik@egmrealestate.com">erik@egmrealestate.com</a></span></font></u><o:p></o:p></p>
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<pre><font size="2" face="Courier New"><span style="font-size:10.0pt"> <o:p></o:p></span></font></pre>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt">_______________________________________________<o:p></o:p></span></font></pre>
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