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The Borrower’s Experience
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Thursday, January 11, 2024
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We are constantly updating to reflect any increases or decreases in state fees or underwriter changes to ensure that you are pulling accurate quotes each time. Our calculator has been updated to reflect fee changes in the following state(s):
Idaho, Oregon, Washington
Our calculator has also been updated to the new 2024 HECM limit of $1,149,825.
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AN ACT Relating to creating the covenant homeownership account and program to address the history of housing discrimination due to racially restrictive real estate covenants in Washington State;
NEW SECTION. Sec. 2. A new section is added to chapter 36.22 RCW to read as follows: (1) Beginning January 1, 2024, except as provided in subsection (2) of this section, the county auditor must collect a covenant homeownership program assessment of $100 for each document recorded, which is in addition to any other charge, surcharge, or assessment allowed by law. The county auditor may retain up to one percent of the moneys for collection of the assessment and must remit the remainder of the moneys to the state treasurer to be deposited in the covenant homeownership account created in section 4 of this act. (2) The assessment imposed in this section does not apply to: (a) Assignments or substitutions of previously recorded deeds of trust; (b) documents recording a birth, marriage, divorce, or death; (c) any recorded documents otherwise exempted from a recording fee or additional assessments under state law; (d) marriage licenses issued by the county auditor; (e) documents recording a name change order under RCW 4.24.130; or (f) documents recording a federal, state, county, city, or water-sewer district, or wage lien or satisfaction of lien.
Have a holly, jolly closing
It’s the last day of the month
Just weeks ago, it was so darn slow
Now we’re all under the gun
Have a Holly Jolly closing
Let’s call the notary
and let her know, we’re clear to close
So find a place to meet
Oh, no the appraisal’s low-er
Than we thought last week
But we’re still gonna be ok
Cuz the property’s clear and free!
Have a holly, jolly closing
And in case you didn’t hear
Oh by golly have a holly jolly closing, My Dear!
Instead of Title Tales this month, how about Title Tips? Specifically, Title Tips for Trusts (say that ten times fast and see where your tongue ends up!). ARS specializes in reverse mortgages, and for obvious reasons there are many more trusts to review in proportion to orders than for any other loan type. They keep […]
Written by: Mylene Marcelo, Title Manager/Title Officer We have a current vesting deed adding son into title dated 2017 as joint tenants with rights of survivorship. The Deed was executed by a Power of Attorney (POA) made by Wilma, Principal to Fred Jr., as Agent. The POA was dated 1997. Wilma was competent at the time […]
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