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<p>I think the bank would have been happy with any written
authorization in my listing situation, but the foreclosed owner
had dropped off the face of the earth when they quit paying their
dues. Location unknown. Escrows usually get loan information
just with an authorization form. So yes a power of attorney would
almost certainly work. <br>
</p>
<pre class="moz-signature" cols="72">Kary L. Krismer
John L. Scott, Inc.
206 723-2148</pre>
<div class="moz-cite-prefix">On 6/15/2020 9:15 AM, Rod Harmon wrote:<br>
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<p class="MsoNormal"><font size="2" face="Calibri"
color="#1f497d"><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>
<p class="MsoNormal"><font size="2" face="Calibri"><span
style="font-size:11.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="4" face="Arial" color="#1f497d"><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" face="Arial"
color="#1f497d"><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" face="Arial"
color="#1f497d"><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" face="Arial"
color="#1f497d"><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" face="Arial" color="#1f497d"><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" face="Arial" color="#1f497d"><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" face="Arial" color="#1f497d"><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>
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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" face="Arial" color="#1f497d"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a
href="http://www.rodharmon.com" moz-do-not-send="true"><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" face="Arial" color="#1f497d"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a
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face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span
style="font-size:11.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"
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1.0pt;padding:3.0pt 0in 0in 0in">
<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 class="moz-txt-link-abbreviated" href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>
[<a class="moz-txt-link-freetext" href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<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
<a class="moz-txt-link-rfc2396E" 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?<o:p></o:p></span></font></p>
</div>
</div>
<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>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span
style="font-size:12.0pt;font-family:"Times New
Roman",serif"> </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">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>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span
style="font-size:12.0pt;font-family:"Times New
Roman",serif"> </span></font><o:p></o:p></p>
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<p class="MsoNormal"><b><font size="3" face="Arial"
color="black"><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"
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& Counselor at Law</span></font><font
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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"
moz-do-not-send="true">wsbarp-bounces@lists.wsbarppt.com</a>
<<a href="mailto:wsbarp-bounces@lists.wsbarppt.com"
moz-do-not-send="true">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"
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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"
moz-do-not-send="true">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>
</div>
</div>
<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>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span
style="font-size:12.0pt;font-family:"Times New
Roman",serif"> </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">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>
<p class="MsoNormal"><font size="3" face="Times New Roman"><span
style="font-size:12.0pt;font-family:"Times New
Roman",serif"> </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"> </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"> </span></font><o:p></o:p></p>
<div>
<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"
moz-do-not-send="true"><font size="3" face="Times New
Roman" color="blue"><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"
moz-do-not-send="true">wsbarp-bounces@lists.wsbarppt.com</a>
<<a href="mailto:wsbarp-bounces@lists.wsbarppt.com"
moz-do-not-send="true">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"
moz-do-not-send="true">
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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<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<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>
<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">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.
</span></font><o:p></o:p></p>
<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>
<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">Thank you for any insights you
may have.
</span></font><o:p></o:p></p>
<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"
color="black"><span style="font-size:10.5pt;color:black">--
</span></font><o:p></o:p></p>
<p class="MsoNormal"><b><i><font size="2" face="Arial"
color="#4d573a"><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>
<div>
<p class="MsoNormal"><b><i><font size="2" face="Arial"
color="#4d573a"><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"
face="Arial" color="#4d573a"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#4D573A"></span></font><font
size="2" face="Arial" color="black"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"><br>
2255 Harbor Ave SW</span></font><o:p></o:p></p>
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<p class="MsoNormal"><font size="2" face="Arial"
color="black"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Suite
203</span></font><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><font size="2" face="Arial"
color="black"><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" face="Arial"
color="black"><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" face="Arial" color="black"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">office:
206-264-4598 <br>
cell: 206-612-8653<br>
<br>
</span></font><u><font size="2" face="Arial"
color="#0000fe"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0000FE"><a
href="mailto:erik@egmrealestate.com"
moz-do-not-send="true">erik@egmrealestate.com</a></span></font></u><o:p></o:p></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span
style="font-size:11.0pt"> </span></font><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><font
size="2" face="Calibri"><span style="font-size:11.0pt"> </span></font><o:p></o:p></p>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt">***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.***<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>
<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">WSBARP mailing list<o:p></o:p></span></font></pre>
<pre><font size="2" face="Courier New"><span style="font-size:10.0pt"><a href="mailto:WSBARP@lists.wsbarppt.com" moz-do-not-send="true">WSBARP@lists.wsbarppt.com</a><o:p></o:p></span></font></pre>
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<pre class="moz-quote-pre" wrap="">***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.***
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