reglab/housing_qa huggingface dataset:
WA Rev Code § 61.12.150 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.12 - Foreclosure of Real Estate Mortgages and Personal Property Liens.|61.12.150 - Sale of whole property—Disposition of proceeds.

RCW 61.12.150 Sale of whole property—Disposition of proceeds.If the mortgaged premises cannot be sold in parcels, the court shall order the whole to be sold, and the proceeds of the sale shall be applied first to the payment of the principal due, interest and costs, and then to the residue secured by the mortgage and not due; and if the residue does not bear interest, a deduction shall be made therefrom by discounting the legal interest. In all cases where the proceeds of the sale are more than sufficient to pay the amount due and costs, the surplus shall be applied to all interests in, or liens or claims of liens against, the property eliminated by sale under this section in the order of priority that the interest, lien, or claim attached to the property. Any remaining surplus shall be paid to the mortgage debtor, his or her heirs and assigns.[ 2009 c 122 § 1; Code 1881 § 617; 1877 p 128 § 621; 1869 p 147 § 571; 1854 p 208 § 416; RRS § 1128.]
WA Rev Code § 61.12.170 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.12 - Foreclosure of Real Estate Mortgages and Personal Property Liens.|61.12.170 - Recording.

RCW 61.12.170 Recording.See chapter 65.08 RCW.
WA Rev Code § 61.16.010 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.16 - Assignment and Satisfaction of Real Estate and Chattel Mortgages.|61.16.010 - Assignments, how made—Satisfaction by assignee.

RCW 61.16.010 Assignments, how made—Satisfaction by assignee.Any person to whom any real estate mortgage is given, or the assignee of any such mortgage, may, by an instrument in writing, signed and acknowledged in the manner provided by law entitling mortgages to be recorded, assign the same to the person therein named as assignee, and any person to whom any such mortgage has been so assigned, may, after the assignment has been recorded in the office of the auditor of the county wherein such mortgage is of record, acknowledge satisfaction of the mortgage, and discharge the same of record.[ 1995 c 62 § 13; 1897 c 23 § 1; RRS § 10616.]NOTES:Validating—1897 c 23: "All satisfactions of mortgages heretofore made by the assignees thereof, where the assignment was in writing, signed by the mortgagee or assignee, and where the same was recorded in the office of the auditor of the county wherein the mortgage was recorded, are hereby validated, and such satisfactions of mortgages so made shall have the same effect as if made by the mortgagees in such mortgages." [ 1897 c 23 § 2.]
WA Rev Code § 61.16.020 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.16 - Assignment and Satisfaction of Real Estate and Chattel Mortgages.|61.16.020 - Mortgages, how satisfied of record.

RCW 61.16.020 Mortgages, how satisfied of record.Whenever the amount due on any mortgage is paid, the mortgagee or the mortgagee's legal representatives or assigns shall, at the request of any person interested in the property mortgaged, execute an instrument in writing referring to the mortgage by the volume and page of the record or otherwise sufficiently describing it and acknowledging satisfaction in full thereof. Said instrument shall be duly acknowledged, and upon request shall be recorded in the county wherein the mortgaged property is situated. Every instrument of writing heretofore recorded and purporting to be a satisfaction of mortgage, which sufficiently describes the mortgage which it purports to satisfy so that the same may be readily identified, and which has been duly acknowledged before an officer authorized by law to take acknowledgments or oaths, is hereby declared legal and valid, and a certified copy of the record thereof is hereby constituted prima facie evidence of such satisfaction.[ 1995 c 62 § 14; 1985 c 44 § 13; 1901 c 52 § 1; 1886 p 116 § 1; RRS § 10614.]
WA Rev Code § 61.16.030 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.16 - Assignment and Satisfaction of Real Estate and Chattel Mortgages.|61.16.030 - Failure to acknowledge satisfaction of mortgage—Damages—Order.

RCW 61.16.030 Failure to acknowledge satisfaction of mortgage—Damages—Order.If the mortgagee fails to acknowledge satisfaction of the mortgage as provided in RCW 61.16.020 sixty days from the date of such request or demand, the mortgagee shall forfeit and pay to the mortgagor damages and a reasonable attorneys' fee, to be recovered in any court having competent jurisdiction, and said court, when convinced that said mortgage has been fully satisfied, shall issue an order in writing, directing the auditor to immediately record the order.[ 1999 c 233 § 8; 1995 c 62 § 15; 1984 c 14 § 1; 1886 p 117 § 2; RRS § 10615.]NOTES:Effective date—1999 c 233: See note following RCW 4.28.320.
WA Rev Code § 61.24.008 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.008 - Borrower referred to mediation—When.

RCW 61.24.008 Borrower referred to mediation—When.(1) A borrower who has been referred to mediation before June 7, 2012, may continue through the mediation process and does not lose his or her right to mediation.(2) A borrower who has not been referred to mediation as of June 7, 2012, may only be referred to mediation after a notice of default has been issued but no later than twenty days from the date a notice of sale is recorded.(3) A borrower who has not been referred to mediation as of June 7, 2012, and who has had a notice of sale recorded may only be referred to mediation if the referral is made before twenty days have passed from the date the notice of sale was recorded.[ 2012 c 185 § 11.]
WA Rev Code § 61.24.010 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.010 - Trustee, qualifications—Successor trustee.

RCW 61.24.010 Trustee, qualifications—Successor trustee.(1) The trustee of a deed of trust under this chapter shall be:(a) Any domestic corporation or domestic limited liability corporation incorporated under Title 23B, 25, *30, 31, 32, or 33 RCW of which at least one officer is a Washington resident; or(b) Any title insurance company authorized to insure title to real property under the laws of this state, or any title insurance agent licensed under chapter 48.17 RCW; or(c) Any attorney who is an active member of the Washington state bar association at the time the attorney is named trustee; or(d) Any professional corporation incorporated under chapter 18.100 RCW, any professional limited liability company formed under chapter 25.15 RCW, any general partnership, including limited liability partnerships, formed under **chapter 25.04 RCW, all of whose shareholders, members, or partners, respectively, are either licensed attorneys or entities, provided all of the owners of those entities are licensed attorneys, or any domestic corporation wholly owned by any of the entities under this subsection (1)(d); or(e) Any agency or instrumentality of the United States government; or(f) Any national bank, savings bank, or savings and loan association chartered under the laws of the United States.(2) The trustee may resign at its own election or be replaced by the beneficiary. The trustee shall give prompt written notice of its resignation to the beneficiary. The resignation of the trustee shall become effective upon the recording of the notice of resignation in each county in which the deed of trust is recorded. If a trustee is not appointed in the deed of trust, or upon the resignation, incapacity, disability, absence, or death of the trustee, or the election of the beneficiary to replace the trustee, the beneficiary shall appoint a trustee or a successor trustee. Only upon recording the appointment of a successor trustee in each county in which the deed of trust is recorded, the successor trustee shall be vested with all powers of an original trustee.(3) The trustee or successor trustee shall have no fiduciary duty or fiduciary obligation to the grantor or other persons having an interest in the property subject to the deed of trust.(4) The trustee or successor trustee has a duty of good faith to the borrower, beneficiary, and grantor.[ 2012 c 185 § 13; 2009 c 292 § 7; 2008 c 153 § 1; 1998 c 295 § 2; 1991 c 72 § 58; 1987 c 352 § 1; 1981 c 161 § 1; 1975 1st ex.s. c 129 § 1; 1965 c 74 § 1.]NOTES:Reviser's note: *(1) Title 30 RCW was recodified and/or repealed pursuant to 2014 c 37.**(2) Chapter 25.04 RCW was repealed in its entirety by 1998 c 103 § 1308.
WA Rev Code § 61.24.020 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.020 - Deeds subject to all mortgage laws—Foreclosure—Recording and indexing—Trustee and beneficiary, separate entities, exception.

RCW 61.24.020 Deeds subject to all mortgage laws—Foreclosure—Recording and indexing—Trustee and beneficiary, separate entities, exception.Except as provided in this chapter, a deed of trust is subject to all laws relating to mortgages on real property. A deed conveying real property to a trustee in trust to secure the performance of an obligation of the grantor or another to the beneficiary may be foreclosed by trustee's sale. The county auditor shall record the deed as a mortgage and shall index the name of the grantor as mortgagor and the names of the trustee and beneficiary as mortgagee. No person, corporation or association may be both trustee and beneficiary under the same deed of trust: PROVIDED, That any agency of the United States government may be both trustee and beneficiary under the same deed of trust. A deed of trust conveying real property that is used principally for agricultural purposes may be foreclosed as a mortgage. Pursuant to *RCW 62A.9-501(4), when a deed of trust encumbers both real and personal property, the trustee is authorized to sell all or any portion of the grantor's interest in that real and personal property at a trustee's sale.[ 1998 c 295 § 3; 1985 c 193 § 2; 1975 1st ex.s. c 129 § 2; 1965 c 74 § 2.]NOTES:*Reviser's note: Article 62A.9 RCW was repealed in its entirety by 2000 c 250 § 9A-901, effective July 1, 2001. For later enactment, see Article 62A.9A RCW.Application—1985 c 193: "This act shall apply to foreclosures commenced, by the giving of a notice of default pursuant to RCW 61.24.030(6), after July 28, 1985." [ 1985 c 193 § 5.]
WA Rev Code § 61.24.025 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.025 - Application of federal servicemembers civil relief act to deeds of trust.

RCW 61.24.025 Application of federal servicemembers civil relief act to deeds of trust.All of the rights, duties, and privileges conveyed under the federal servicemembers civil relief act, P.L. 108-189, are applicable to deeds of trust under Washington law.[ 2004 c 161 § 5.]NOTES:Effective date—2004 c 161: See note following RCW 28B.10.270.
WA Rev Code § 61.24.026 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.026 - Notice to senior beneficiary of sale—Residential, owner-occupied—Proceeds of sale insufficient to pay in full obligation—Timeline—Failure of beneficiary to respond.

RCW 61.24.026 Notice to senior beneficiary of sale—Residential, owner-occupied—Proceeds of sale insufficient to pay in full obligation—Timeline—Failure of beneficiary to respond.(1) Whenever (a) consummation of a written agreement for the purchase and sale of owner-occupied residential real property would result in contractual sale proceeds that are insufficient to pay in full the obligation owed to a senior beneficiary of a deed of trust encumbering the residential real property; and (b) the seller makes a written offer to the senior beneficiary to accept the entire net proceeds of the sale in order to facilitate closing of the purchase and sale; then the senior beneficiary must, within one hundred twenty days after the receipt of the written offer, deliver to the seller, in writing, an acceptance, rejection, or counter-offer of the seller's written offer. The senior beneficiary may determine, in its sole discretion, whether to accept, reject, or counter-offer the seller's written offer.(2) This section applies only when the written offer to the senior beneficiary is received by the senior beneficiary prior to the issuance of a notice of default. The offer must include a copy of the purchase and sale agreement. The offer must be sent to the address of the senior beneficiary or the address of a party acting as a servicer of the obligation secured by the deed of trust.(3) A seller has a right of action for actual monetary damages incurred as a result of the senior beneficiary's failure to comply with the requirements of subsection (1) of this section.(4) A senior beneficiary is not liable for the actions or inactions of any other lienholder.(5)(a) This section does not apply to deeds of trust: (i) Securing a commercial loan; (ii) securing obligations of a grantor who is not the borrower or a guarantor; or (iii) securing a purchaser's obligations under a seller-financed sale.(b) This section does not apply to beneficiaries that are exempt from RCW 61.24.163, if enacted, or if not enacted, to beneficiaries that conduct fewer than two hundred fifty trustee sales per year.(6) This section does not alter a beneficiary's right to issue a notice of default and does not lengthen or shorten any time period imposed or required under this chapter.[ 2011 c 364 § 1.]
WA Rev Code § 61.24.033 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.033 - Model language for initial contact letter used by beneficiaries—Rules.

RCW 61.24.033 Model language for initial contact letter used by beneficiaries—Rules.(1)(a) The department must develop model language for the initial contact letter to be used by beneficiaries as required under RCW 61.24.031. The model language must explain how the borrower may respond to the letter. The department must develop the model language in both English and Spanish and both versions must be contained in the same letter.(b) No later than thirty days after April 14, 2011, the department must create the following forms:(i) The notice form to be used by housing counselors and attorneys to refer borrowers to mediation under RCW 61.24.163;(ii) The notice form stating that the parties have been referred to mediation along with the required information under RCW 61.24.163(3)(a);(iii) The waiver form as required in *RCW 61.24.163(4)(b);(iv) The scheduling form notice in *RCW 61.24.163(5)(b); and(v) The form for the mediator's written certification of mediation.(2) The department may create rules to implement the mediation program under RCW 61.24.163 and to administer the funds as required under RCW 61.24.172.[ 2011 c 58 § 16.]NOTES:*Reviser's note: RCW 61.24.163 was amended by 2011 2nd sp.s. c 4 § 1, deleting subsection (4)(b). RCW 61.24.163 was subsequently amended by 2012 c 185 § 6, changing subsection (5)(b) to subsection (7)(b).Findings—Intent—Short title—2011 c 58: See notes following RCW 61.24.005.Effective date—2011 c 58 §§ 11, 12, and 16: See note following RCW 61.24.172.
WA Rev Code § 61.24.042 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.042 - Notice to guarantor—Contents—Failure to provide.

RCW 61.24.042 Notice to guarantor—Contents—Failure to provide.The beneficiary may give the notices of default, trustee's sale, and foreclosure referred to in RCW * 61.24.030(7) and 61.24.040 to any one or more of the guarantors of a commercial loan at the time they are given to the grantor. In addition to the information contained in the notices provided to the grantor, these notices shall state that (1) the guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the trustee's sale is less than the debt secured by the deed of trust; (2) the guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee's sale; (3) the guarantor will have no right to redeem the property after the trustee's sale; (4) subject to such longer periods as are provided in the Washington deed of trust act, chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the trustee's sale, or the last trustee's sale under any deed of trust granted to secure the same debt; and (5) in any action for a deficiency, the guarantor will have the right to establish the fair value of the property as of the date of the trustee's sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the trustee's sale, plus interest and costs. The failure of the beneficiary to provide any guarantor the notice referred to in this section does not invalidate either the notices given to the borrower or the grantor, or the trustee's sale.[ 1998 c 295 § 6.]NOTES:*Reviser's note: RCW 61.24.030 was amended by 2009 c 292 § 8, changing subsection (7) to subsection (8).
WA Rev Code § 61.24.045 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.045 - Requests for notice of sale.

RCW 61.24.045 Requests for notice of sale.Any person desiring a copy of any notice of sale described in RCW 61.24.040(2) under any deed of trust, other than a person entitled to receive such a notice under RCW 61.24.040(1) (b) or (c), must, after the recordation of such deed of trust and before the recordation of the notice of sale, cause to be filed for record, in the office of the auditor of any county in which the deed of trust is recorded, a duly acknowledged request for a copy of any notice of sale. The request shall be signed and acknowledged by the person to be notified or such person's agent, attorney, or representative; shall set forth the name, mailing address, and telephone number, if any, of the person or persons to be notified; shall identify the deed of trust by stating the names of the parties thereto, the date the deed of trust was recorded, the legal description of the property encumbered by the deed of trust, and the auditor's file number under which the deed of trust is recorded; and shall be in substantially the following form:REQUEST FOR NOTICERequest is hereby made that a copy of any notice of sale described in RCW 61.24.040(2) under that certain Deed of Trust dated . . . . . ., . . . . (year), recorded on . . . . . ., . . . . (year), under auditor's file No. . . . . . ., records of . . . . . . County, Washington, from . . . . . ., as Grantor, to . . . . . . . . ., as Trustee, to secure an obligation in favor of . . . . . . . . ., as Beneficiary, and affecting the following described real property:(Legal Description)be sent by both first-class and either registered or certified mail, return receipt requested, to . . . . . . . . . at . . . . . . . . .Dated this . . . . day of . . . . . ., . . . . (year) . . . . Signature(Acknowledgment)A request for notice under this section shall not affect title to, or be deemed notice to any person that any person has any right, title, interest in, lien or charge upon, the property described in the request for notice.[ 2018 c 306 § 3; 2008 c 153 § 4; 1985 c 193 § 1.]NOTES:Application—1985 c 193: See note following RCW 61.24.020.
WA Rev Code § 61.24.060 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.060 - Rights and remedies of trustee's sale purchaser—Written notice to occupants or tenants.

RCW 61.24.060 Rights and remedies of trustee's sale purchaser—Written notice to occupants or tenants.(1) The purchaser at the trustee's sale shall be entitled to possession of the property on the twentieth day following the sale, as against the borrower and grantor under the deed of trust and anyone having an interest junior to the deed of trust, including occupants who are not tenants, who were given all of the notices to which they were entitled under this chapter. The purchaser shall also have a right to the summary proceedings to obtain possession of real property provided in chapter 59.12 RCW.(2) If the trustee elected to foreclose the interest of any occupant or tenant, the purchaser of tenant-occupied property at the trustee's sale shall provide written notice to the occupants and tenants at the property purchased in substantially the following form:"NOTICE: The property located at . . . . . . was purchased at a trustee's sale by . . . . . . on . . . . . . (date).1. If you are the previous owner or an occupant who is not a tenant of the property that was purchased, pursuant to RCW 61.24.060, the purchaser at the trustee's sale is entitled to possession of the property on . . . . . . (date), which is the twentieth day following the sale.2. If you are a tenant or subtenant in possession of the property that was purchased, pursuant to RCW 61.24.146, the purchaser at the trustee's sale may either give you a new rental agreement OR give you a written notice to vacate the property in sixty days or more before the end of the monthly rental period."(3) The notice required in subsection (2) of this section must be given to the property's occupants and tenants by both first-class mail and either certified or registered mail, return receipt requested.[ 2009 c 292 § 10; 1998 c 295 § 8; 1967 c 30 § 2; 1965 c 74 § 6.]
WA Rev Code § 61.24.070 (2021)
2021 Revised Code of Washington|Title 61 - Mortgages, Deeds of Trust, and Real Estate Contracts|Chapter 61.24 - Deeds of Trust.|61.24.070 - Trustee's sale, who may bid at—If beneficiary is purchaser—If purchaser is not beneficiary.

RCW 61.24.070 Trustee's sale, who may bid at—If beneficiary is purchaser—If purchaser is not beneficiary.(1) The trustee may not bid at the trustee's sale. Any other person, including the beneficiary, may bid at the trustee's sale.(2) The trustee shall, at the request of the beneficiary, credit toward the beneficiary's bid all or any part of the monetary obligations secured by the deed of trust. If the beneficiary is the purchaser, any amount bid by the beneficiary in excess of the amount so credited shall be paid to the trustee in the form of cash, certified check, cashier's check, money order, or funds received by verified electronic transfer, or any combination thereof. If the purchaser is not the beneficiary, the entire bid shall be paid to the trustee in the form of cash, certified check, cashier's check, money order, or funds received by verified electronic transfer, or any combination thereof.[ 1998 c 295 § 9; 1965 c 74 § 7.]