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<p>Is a title officer an expert on federal loan programs, and
whether a particular DOT is included in any such program? Other
than the fact a certain DOT form might be used I don't see how
they would know, and anyone could use any particular form, AFAIK.<br>
</p>
<pre class="moz-signature" cols="72">Kary L. Krismer
206 723-2148</pre>
<div class="moz-cite-prefix">On 1/17/2023 10:38 AM, Kaitlyn Jackson
wrote:<br>
</div>
<blockquote type="cite"
cite="mid:CAO+NF_6oFFFZZd+UG36oND_G7ySgYG=ORX4y5NiZQEZ+XzVZPQ@mail.gmail.com">
<meta http-equiv="content-type" content="text/html; charset=UTF-8">
<div dir="ltr">You might as well just all move to 30 day notices
no matter what. <i>Pinzon </i>applies to more than just
federally backed mortgages. If a tenant receives federal
subsidies, then it also applies. There's no clear way to totally
determine whether or not a property/tenant is subject to the
CARES Act. In court the other day, I watched an unlawful
detainer hearing where the plaintiff was sure the property was
not subject to CARES/<i>Pinzon, </i>but the defense attorney
used some website that claimed it was (though the website
specifically stated it was not guaranteeing accuracy) and the
Commissioner said the only person "with knowledge" to provide a
declaration was a qualified title officer as part of a title
review. So, if a landlord wishes to move forward, then the
landlord likely has to line up a title officer to do a search
and provide a declaration one way or the other. AND don't forget
that evictions take 4-6 months (at least they do in King
County), SO there's no guarantee that the loan, even if not
federally backed, is not sold during that time period to Fannie
or Freddie. So, in that circumstance the landlord would have to
start all over at the beginning if that were to happen at any
point before the Sheriff executed the writ.
<div><br>
</div>
<div>Might as well bypass the whole thing and just move to all
30 day notices while this mess gets worked out by the Supreme
Court. <i>Pinzon </i>is a mess. </div>
<div><br>
</div>
<div>Food for thought - the unlawful detainer statute was
created for a quick and efficient way to resolve the issue of
possession. It's no longer quick, it's no longer efficient,
and it's no longer affordable for many landlords. Some are
starting to consider walking away from unlawful detainers and
just file full on ejectment cases because now they are likely
faster and can resolve all issues more effectively than
unlawful detainers can. </div>
<div><br>
</div>
<div>KJ</div>
<div><br>
</div>
</div>
<br>
<div class="gmail_quote">
<div dir="ltr" class="gmail_attr">On Tue, Jan 17, 2023 at 6:49
AM Kary Krismer <<a href="mailto:Krismer@comcast.net"
moz-do-not-send="true" class="moz-txt-link-freetext">Krismer@comcast.net</a>>
wrote:<br>
</div>
<blockquote class="gmail_quote" style="margin:0px 0px 0px
0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">
<div>
<p>If you look at the definition for 1-4 family homes it
includes Fannie Mae and Freddie Mac loans, so it would be
virtually all home loans except maybe those portfolio
lenders like Washington Federal.</p>
<p>15 USC 9058.</p>
<p>The same is true of 5 units and above, but I have no idea
how common Fannie and Freddie are in those type of loans.</p>
<p>There are also Internet tools I remember from the
financial crisis, but I have not idea used or even thought
about those for years.<br>
</p>
<p><a
href="https://fhmtg.com/freddie-mac-and-fannie-mae-loan-lookup-tools/"
target="_blank" moz-do-not-send="true"
class="moz-txt-link-freetext">https://fhmtg.com/freddie-mac-and-fannie-mae-loan-lookup-tools/</a></p>
<pre cols="72">Kary L. Krismer
206 723-2148</pre>
<div>On 1/17/2023 6:23 AM, Annie Fitzsimmons wrote:<br>
</div>
<blockquote type="cite">
<div
style="font-size:12pt;font-family:helvetica,arial,sans-serif;color:rgb(51,51,51)">
Good Morning. If you've not yet read <em
style="font-size:12pt">Sherwood Auburn LLC v. Pinzon</em><span
style="font-size:12pt">, 521 P.3d 212 (Wash. Ct. App.
2022), then reading it will get your
Tuesday-masquerading-as-a-Monday off to a startling
start. Spoiler alert: based on the CARES Act, all
landlords with a federally backed mortgage must give
30 days notice before initiating an eviction based on
unpaid rent. </span> </div>
<div
style="font-size:12pt;font-family:helvetica,arial,sans-serif;color:rgb(51,51,51)">
<span style="font-size:12pt"><br>
</span> </div>
<div
style="font-size:12pt;font-family:helvetica,arial,sans-serif;color:rgb(51,51,51)">
<span style="font-size:12pt">Question: How do you know
if a mortgage is a "federally backed mortgage"? I
know that FHA and VA loans are federally backed.
Aren't there some conventional loans that are
federally backed? If so, how do you determine if it
is or isn't?</span> </div>
<div
style="font-size:12pt;font-family:helvetica,arial,sans-serif;color:rgb(51,51,51)">
<span style="font-size:12pt"><br>
</span> </div>
<div
style="font-size:12pt;font-family:helvetica,arial,sans-serif;color:rgb(51,51,51)">
<span style="font-size:12pt">Thanks! Annie</span> </div>
<div>
<p>Annette T. Fitzsimmons P.S.<br>
P.O. Box 430<br>
Belfair, WA 98528<br>
</p>
</div>
<br>
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