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<p>Unfortunately that is may not a solution to the problem. I
suspect the problem is RCW 6.13.060, which requires a spouse to
sign off on a mortgage of homestead property, even when the
property is not the homestead of the spouse. If that is the
problem, the bank is wrong if given this is a post-divorce
situation. They are no longer spouses. It is true, however, that
many banks will allow the other spouse to sign a QCD in lieu of
the spouse signing off on the DOT. That's technically not
correct, but if both the title company and bank okay it in this, I
don't see any harm (particularly given the statute doesn't apply).<br>
</p>
<p>Was the divorce not entered in the county where the property is
located? If not, would recording the divorce decree in that
county satisfy the bank and title company, given the husband's
name should no longer appear as a vested owner?</p>
<p>Finally, a longer term solution. RCW 6.13.060 needs to be
amended or even repealed. IMHO it's a holdover from 100 years
ago, and it's unnecessary given the other provisions that relate
to community property. Note this statute applies even if the
property at issue is the separate property of the borrowing
spouse, the spouses are separated and the other spouse doesn't
live in the property. There is absolutely no reason for its
application on those facts.<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 7/30/2021 12:03 PM, Andrew Hay
wrote:<br>
</div>
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<p class="MsoNormal"><span
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Condition loan funding on recording QCD<o:p></o:p></span></p>
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<b><span
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<a class="moz-txt-link-abbreviated" href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp-bounces@lists.wsbarppt.com"><wsbarp-bounces@lists.wsbarppt.com></a> <b>On Behalf
Of </b>Ryan P. Coon<br>
<b>Sent:</b> Friday, July 30, 2021 11:56 AM<br>
<b>To:</b> WSBA Real Property Listserv
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp@lists.wsbarppt.com"><wsbarp@lists.wsbarppt.com></a><br>
<b>Subject:</b> [WSBARP] Post-Divorce QCD Catch 22<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p>Listmates,<span style="font-size:11.0pt"><o:p></o:p></span></p>
<p>I've got a client needing to record a QCD to separate
property post-divorce but is running into what seems to be a
"catch 22" problem so I'm looking for some creative solutions.<o:p></o:p></p>
<p>Client by divorce decree is awarded the family home and thus
needs to record a QCD from ex-spouse to separate the property.
However, there is a large amount of outstanding property taxes
due (several years worth) and the county (Island) is refusing
to record the deed without the taxes being made current.
Client doesn't have the funds to bring taxes current so is
seeking a loan to pay the taxes. However, client is having
trouble procuring a loan because the bank is requiring
signature of ex-spouse since ex-spouse's name is on the
property but ex-spouse will not sign off on the loan.<o:p></o:p></p>
<p>Thus, client can't record a QCD because they don't have the
money to pay the taxes but their having trouble getting the
money to pay the taxes without first recording the QCD.<o:p></o:p></p>
<p>Any thoughts or creative work-arounds for this would be much
appreciated, thank you.<o:p></o:p></p>
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<p class="MsoNormal">Very Truly Yours,<o:p></o:p></p>
<p class="MsoNormal">Ryan P. Coon<o:p></o:p></p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. <o:p></o:p></p>
<p class="MsoNormal"><i> </i><o:p></o:p></p>
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