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Update :: March 09, 2010
Update 3/25/09

(The announcement below was taken from warealtor.org)

We are pleased to announce that SB 5221, the Distressed Properties Law Fix, passed the legislature unanimously and has been signed by the Governor today. This legislation provides resolution to the unintended consequences of the distressed properties law passed last year.

 

Distressed Property Law 2009

Effective immediately, the Distressed Property Law has been revised. There is now a general exemption for all real estate agents and brokers who provide real estate services pursuant to the Agency Law. So long as agents and brokers do not participate in a distressed home conveyance (essentially a scam transaction), agents and brokers cannot become distressed home consultants.

Buyers who purchase or close a transaction within 20 days of a foreclosure sale will not be distressed home consultants so long as seller is represented by a lawyer or real estate agent/broker. In the case of delayed possession, the possession can be for no more than 20 days and must be for the purpose of allowing seller to relocate to a new residence, and again, seller must be represented.

The statewide listing agreements have been revised to eliminate language relative to whether seller is a distressed seller and to add a paragraph stating that listing agent will not participate in a distressed home conveyance. The DH listing agreements have been eliminated altogether. There is no need to have sellers sign a revised listing agreement if sellers are already subject to a listing agreement. However, effective immediately, brokers should destroy all old listing agreements and begin using only the newly revised listing agreements. The new language is boiler plate so there are no additional boxes to check on the revised form.

The Buyer Agency Forms (41A and B) have been revised to include a paragraph stating that buyer's agent will not participate in a distressed home conveyance. Again, there is no need to have buyers sign this new form if buyers have already signed a buyer agency agreement but brokers should destroy old buyer agency agreements and replace them with this revised form. Also, as with the listing agreement, the new language is boiler plate so there is no need for buyer to check additional boxes. (At the request of the Statewide Forms Task Force and unrelated to this change in law, form 41A was also modified to include an option for buyer and agent to have an exclusive agency relationship.)

Forms 22NFW and 22FSBO have been combined into a single form (22 FSBO) and should be used when seller is unrepresented by either a lawyer or a real estate agent/broker and when a represented seller intends to delay possession for more than 20 days following closing. The form will assist buyer in determining that a foreclosure sale is not scheduled within 20 days of closing or mutual agreement. If seller was intending to retain possession after closing, the form will set possession on closing if seller is distressed. If unrepresented, distressed seller has a foreclosure sale pending within 20 days of closing or mutual agreement, buyer will either have to insure that seller is represented by a lawyer or a real estate broker or buyer will become a distressed home consultant. Likewise, if unrepresented, distressed seller retains any possession after closing or if represented, distressed seller retains possession for more than 20 days after closing, buyer will either have to modify those facts or become a distressed home consultant.

Finally, under the revised law, a distressed property does not have to be owner occupied but seller does have to have lived in the residence within 180 days of when the purchase agreement was signed or closed. Also, condo units in buildings with more than four units can be distressed properties.

"With this bill, we will have overcome an important hurdle on the path to reviving our housing market," said Greg Wright, President of Washington REALTORS®. "Being able to help homeowners prevent foreclosure is a real key to stimulating the real estate market and critical to economic recovery.

These solutions are the result of extensive work by an alliance of interests that REALTORS® forged with consumer advocates, the Attorney General, Department of Licensing and Financial Institutions and legislators (especially our bill sponsors, Sen. Rodney Tom and Rep. Roger Goodman), all focused on the goal of protecting consumers while ensuring that professional real estate assistance isn't hindered, especially at a time when homeowners need that assistance the most.

More detailed additional information and a short video that explains the changes to the law is available from the Washington REALTORS® and NWMLS websites.

 

News Alert
January 13, 2009
Department of Revenue Issues Letter Reversing Decision On REET

Washington REALTORS is pleased to announce that our meeting with the Department of Revenue (DOR) has resulted in a reversal of its interpretation regarding Real Estate Excise Tax (REET) and short sales. Yesterday afternoon, the Department of Revenue contacted Washington REALTORS® to inform us that DOR will issue a letter to clarify that in short sales, the Real Estate Excise Tax does not apply to debt forgiven by the seller's lender.

This decision follows a meeting that REALTORS requested of the agency in order to allow stakeholders to provide input on the interpretation of the REET statute and other policy considerations. DOR immediately responded to the request for stakeholder input and expedited its review of this issue due to its importance to home sellers and the housing market.

Congratulations to all the stakeholders involved in this process!

 

Greg Wright
2009 President
Washington REALTORS

comment@warealtor.com

Washington's Distressed Property Law

What you need to know about Washington's New Distressed Property Law
effective June 12, 2008
Distressed Property Law
The information provided in these FAQs was developed by the Washington REALTORS® and NWMLS. Because the law is new and in some cases, ambiguous, it must be interpreted before it can be applied. Different lawyers and judges will interpret this statute differently. You are encouraged to seek the advice of your own lawyer in determining your approach to compliance with the law.

Distressed Properties DVD chapter 1
View the DVD... "How the new law will impact the real estate transaction" with Annie Fitzsimmons, Legal Counsel for the Washington Realtors, and Justin Haag, Forms and Policies Manager for the Northwest Multiple Listing Service. This video is a production of the NWMLS, Washington REALTORS® and supported by the Washington State Department of Licensing.

The Distressed Property Law: Next Steps & Solutions
A discussion with Attorney General Rob McKenna.
The Distressed Properties law is having a dramatic impact on the entire industry - far beyond what was intended by the legislature. Rob McKenna talks about how this law passed and how this impacts the real estate industry.

Frequently Asked Questions
Chapter 1: Overview
Chapter 2: Definitions
Chapter 3: The Real Estate Agent
Chapter 4: Fiduciary Duties
Chapter 5: Forms Revisions
Chapter 6: Conclusions

Washington State Office of the
Attorney General
Distressed Property Law
SEATTLE - A new state law to help protect financially strapped homeowners from equity skimming and foreclosure rescue scams becomes effective in Washington on June 12.  The new law provides safeguards for people trying to stop the loss of their home and requires new disclosures and responsibilities for individuals claiming to help homeowners avoid foreclosure.

Free foreclosure and homeownership counseling is available from the State of Washington.  Contact the Washington State Homeownership Information Hotline at 1.877.894.HOME (1.877.894.4663) or visit www.homeownership.wa.gov for a list of counselors in your area.

Federal Reserve Foreclosure Resources for Consumers
HUD Foreclosure Resources
Washington Foreclosure ResourcesWashington State Foreclosure RCW
Chapter 61.12 RCW Foreclosure of real estate mortgages and personal property liens.HB: 2791  RSS feed from the Legislature... check HB 2791 for updates.
tvw.org  Washington State Public Affairs TV Network.
Washington State Legislature  Legislator Information, Find Your District, Bill Search, Find Laws & Rules...

foreclosure research...

DJC.com
The Daily Journal of Commerce posts NOD (notice of default) information on their website. They cover NODs for King, Pierce, Snohomish, and Kitsap Counties. Visit the site to subscribe.

BuyBankHomes.com

ForeclosurePoint.com
Free registration at the site allows users to search for properties by state, county, city and ZIP code area, and to specify property details such as property type (including residential, commercial, industrial and vacant land, among other categories), square footage, number of bedrooms and bathrooms, foreclosure filing date and a range for a home-value estimate supplied by Zillow.

Cyberhomes.com
Use 'refine search' to focus your search on homes that are in foreclosure and/or have gone back to the bank.

NorthwestTrustee.com
Northwest Trustee's handle many of the foreclosures in the Pacific Northwest. You can search properties that have NODs posted and are scheduled for auction by signing up for a free account.

Ocwen.com
Search REO and VA homes for sale by state.

HUD homesforsale.gov
Find homes for sale from HUD, VA, IRS, US Marshal and more...

Homesales.gov
Current information about single family homes for sale by the U.S. Federal Government.

ReconTrust.com
Great source of NOD leads with basic filing information, Trustee#, sale date and site address.

USA-Foreclosure.com
User friendly Google map based search for homes in foreclosure. USA-Foreclosure.com is the nation’s largest non-subscription based Web site publicizing property scheduled for foreclosure auction.

All-Foreclosure.com
Trustees will process your foreclosure, posting companies handle the posting, legal publication and auctioning. This is not an all inclusive list, but does include many companies with an internet presence. Trustees listed first, Posting companies listed second.

PropertyShark.com
Seattle area, King County, notice of default postings, basic membership is free.

Services Minimize

Puget Sound-Area HUD Approved Housing Counseling Agencies providing DEFAULT counseling (in addition to other services):

ACORN HOUSING
134 SW 153rd Street, Burien, WA 98166
Phone: 206-243-4663
Type of Default Counseling:  Loss Mitigation, Mortgage Delinquency & Default Resolution Counseling, Predatory Lending.
 
HOUSING HOPE      
5830 Evergreen Way, Everett, WA 98203
Phone:  425-347-6556
Type of Default Counseling:  Delinquency & Default Resolution Counseling, Predatory Lending, Renters Assistance, Services for Homeless.
 
EL CENTRO DE LA RAZA
2524 16th Ave South, Seattle, WA 98144
Phone:  206-329-9442
Website: elcentrodelaraza.org   
Type of Default Counseling:  Mortgage Delinquency & Default Resolution Counseling, Predatory Lending.
 
URBAN LEAGUE OF METROPOLITAN SEATTLE
105 14th Avenue, Seattle, WA 98122-5558
Phone:  206-461-3697
Type of Default Counseling:  Delinquency & Default Resolution Counseling, Predatory Lending, Renters Assistance.
 
PIERCE COUNTY HOUSING AUTHORITY
603 S. Polk, Tacoma, WA 98445
Phone:  253-620-5405
Website: http://www.pchawa.org           
Type of Default Counseling:  Mortgage Delinquency & Default Resolution Counseling, Predatory Lending, Renters Assistance.