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<p class="MsoNormal">Agree with Kelby, though I think it might be possible for the tenants to rebut the presumption of equal ownership by evidence of unequal contributions to the purchase and maintenance of the property—which as a result would mean that the
mortgage holder’s security could be on even less than 25% of the property.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Sincerely,<o:p></o:p></p>
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<p class="MsoNormal">Eric<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Eric C. Nelsen<o:p></o:p></p>
<p class="MsoNormal">Sayre Law Offices, PLLC<o:p></o:p></p>
<p class="MsoNormal">1417 31st Ave South<o:p></o:p></p>
<p class="MsoNormal">Seattle WA 98144-3909<o:p></o:p></p>
<p class="MsoNormal">206-625-0092<o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:eric@sayrelawoffices.com"><span style="color:#0563C1">eric@sayrelawoffices.com</span></a><o:p></o:p></p>
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<p class="MsoNormal"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Kelby Derenick<br>
<b>Sent:</b> Friday, July 7, 2023 1:08 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></p>
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<p class="MsoNormal">I believe that if the deed language is silent on the character then it is a TIC by default split equally between the individuals on the deed. So it would be 25% each and each owner would have had to sign the deed of trust/note to encumber
that owner's respective interest. <o:p></o:p></p>
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<p class="MsoNormal">Kelby J. Derenick <o:p></o:p></p>
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<p class="MsoNormal">Attorney<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="font-family:"Garamond",serif;color:#222222">9414 State Ave., Suite E</span></b><span style="color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Garamond",serif;color:#222222">Marysville, WA 98270<br>
Ph: (206) 659-5061</span></b><span style="color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Garamond",serif;color:#222222">14 E. Main Street, Suite 207</span></b><span style="color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Garamond",serif;color:#222222">Walla Walla, WA 99362</span></b><span style="color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Garamond",serif;color:#222222">Ph: (509) 676-9805</span></b><span style="color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Book Antiqua",serif;color:black">CONFIDENTIALITY NOTICE: This electronic mail message contains information that (a) is or may be legally privileged, confidential, proprietary in nature, or otherwise protected
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<p class="MsoNormal">On Fri, Jul 7, 2023 at 1:04 PM Eric Nelsen <<a href="mailto:eric@sayrelawoffices.com">eric@sayrelawoffices.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">You are correct: Chucklehead only burdened his own interest in the property. If all four names are on title, I don’t see any viable theory that would allow C’s signature on a deed
of trust to also encumber the other three owners’ interests.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Sincerely,<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Eric<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Eric C. Nelsen<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Sayre Law Offices, PLLC<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">1417 31st Ave South<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Seattle WA 98144-3909<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">206-625-0092<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><a href="mailto:eric@sayrelawoffices.com" target="_blank"><span style="color:#0563C1">eric@sayrelawoffices.com</span></a><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b>
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Craig Gourley<br>
<b>Sent:</b> Friday, July 7, 2023 12:50 PM<br>
<b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBARP] encumbering a partial interest.<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Listmates, I think I know the common sense answer to this question but I have little faith that common sense applies to most legal matters. Facts- 4 people own a home together.
Their names are all on the title with no indication of percentage or characterization ( JT or TIC or ?). One chucklehead goes and gets a loan without the knowledge or consent of the other 3 and gives a DOT against the property. Chucklehead then dies and
loan goes into default. Lender is now foreclosing. The question is this. Did Chucklehead only encumber an undivided 25% intertest or is there some legal theory that he was able to unilaterally grant a security interest in the entire property to the lender?
Thanks much to anyone still in the office on a sunny Friday. <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>GOURLEY LAW GROUP</b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>THE EXCHANGE CONNECTION</b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>SNOHOMISH ESCROW
</b><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">P.O. Box 1091<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Snohomish, WA 98291<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">PH: (360) 568-5065 (800) 291-8401<o:p></o:p></p>
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