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<p class="MsoNormal"><span style="font-size:11.0pt">Hi all!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">I have had a question on this and I am not positive, so looking for in put.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Is the Fee owing on a home buyers assistance down payment program loan? There is a new DT for it in the 2<sup>nd</sup> position at the time of the new loan, but I don’t know if it fits the qualifiations of
“residential mortgage loan” since does is not generally have a separate CD issued. Some are actual loans, others are grants with terms that may or may not require repayment.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Thanks for any ideas you may have on this!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783">Robin Aberasturi</span></b><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><br>
VP/Corporate Escrow Manager</span></b><b><span style="font-size:11.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783">Futura Title & Escrow, LLC</span></b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><br>
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</span><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#1F497D">Cell Phone 208-250-3816</span><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><o:p></o:p></span></b></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Legislativecommittee1 <legislativecommittee1-bounces@washingtonlandtitle.com>
<b>On Behalf Of </b>Maureen Pfaff<br>
<b>Sent:</b> Monday, July 21, 2025 4:13 PM<br>
<b>To:</b> George <execdirector@washingtonlandtitle.com>; '1 WLTA Legislative Committee' <legislativecommittee1@washingtonlandtitle.com>; Sean Holland <seanholland@att.net><br>
<b>Subject:</b> Re: [Legislativecommittee1] Why can't DOR just give a straight answer??<o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt;color:white">My thoughts exactly, George, which is why I hate that they are using such mushy language ("it depends" and "it appears") and apparently think we need to apply for
a binding ruling to get a straight answer.</span><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span><span style="font-size:1.0pt;color:white">.</span><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span><span style="font-size:1.0pt;color:white">.
From: George<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">My thoughts exactly, George, which is why I hate that they are using such mushy language ("it depends" and "it appears") and apparently think we need to apply for a binding ruling to get a straight
answer...<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"> George <execdirector@washingtonlandtitle.com><br>
<b>Sent:</b> Monday, July 21, 2025 3:07 PM<br>
<b>To:</b> Maureen Pfaff <maureen@olypentitle.com>; '1 WLTA Legislative Committee' <legislativecommittee1@washingtonlandtitle.com>; Sean Holland <seanholland@att.net><br>
<b>Subject:</b> Re: Why can't DOR just give a straight answer??</span><span style="font-size:12.0pt">
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<p class="MsoNormal"><span style="font-size:12.0pt">Am I missing something here? How is this different from recording fees (or excise tax, etc.) collected from the buyer, seller or borrower, etc. "on behalf of" the county recorder or auditor, or the Department
of Revenue, or the Department of [fill in the blank]?<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">George<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">Sent from my mobile phone 206-437-5869<o:p></o:p></span></p>
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<p class="MsoNormal"><strong><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">From:</span></strong><span style="font-size:11.0pt"> Maureen Pfaff <maureen@olypentitle.com><br>
<strong><span style="font-family:"Aptos",sans-serif">Sent:</span></strong> Monday, July 21, 2025 2:29:39 PM<br>
<strong><span style="font-family:"Aptos",sans-serif">To:</span></strong> George Peters <execdirector@washingtonlandtitle.com>; '1 WLTA Legislative Committee' <legislativecommittee1@washingtonlandtitle.com>; Sean Holland <seanholland@att.net><br>
<strong><span style="font-family:"Aptos",sans-serif">Subject:</span></strong> Why can't DOR just give a straight answer??<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">I just read the updated FAQ on the FPF and this is what it says about tax treatment:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen<o:p></o:p></span></p>
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<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"><img width="210" height="210" style="width:2.1875in;height:2.1875in" id="x_94c092bc-35fe-4d2a-9f7c-fa81827c57ee" src="cid:image002.png@01DC0069.4C2DD370"></span><o:p></o:p></p>
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<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span><span style="font-family:Roboto"><o:p></o:p></span></p>
<div style="border:none;border-left:solid windowtext 1.0pt;padding:0in 0in 0in 4.0pt">
<p class="xelementtoproof"><span style="font-family:Roboto"><o:p> </o:p></span></p>
<p class="xelementtoproof"><o:p> </o:p></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><o:p></o:p></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax:
<span style="background:white">(844) 513-2400</span></span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a></span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="https://urldefense.com/v3/__http:/www.olypentitle.com/__;!!DEULSLR5O6irNg!XSj5IPD3bHpOilunO5RZpKuydxVbp9rnM5imqvnnDeaeyi8PPszrun5AnjOn0JVUazZx8r1VxhEjAhor-Sp-tLsqR1Xo$">www.olypentitle.com</a></span><span style="font-family:Roboto"><o:p></o:p></span></p>
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<b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;mso-line-height-alt:11.05pt">
<b><span style="font-family:"Times New Roman",serif;color:#222222">Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, such as the sales
contract or internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account.</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#333333;background:yellow">ATTENTION LENDERS: Loan packages, complete with documents and balanced CD, must be
received no later than 2:00 pm PST on the day <i>prior</i> to signing.</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
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<b><span style="font-family:"Times New Roman",serif;color:#990000;border:solid windowtext 1.0pt;padding:0in"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="Picture_x0020_5" src="cid:~WRD0000.jpg" alt="Image removed by sender."></span></b><o:p></o:p></p>
<p class="xelementtoproof"><o:p> </o:p></p>
<p class="xelementtoproof" style="mso-line-height-alt:11.05pt"><b><span style="font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!DEULSLR5O6irNg!XSj5IPD3bHpOilunO5RZpKuydxVbp9rnM5imqvnnDeaeyi8PPszrun5AnjOn0JVUazZx8r1VxhEjAhor-Sp-tGyD837F$"><span style="color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></a></span></b><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b><b><span style="font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!DEULSLR5O6irNg!XSj5IPD3bHpOilunO5RZpKuydxVbp9rnM5imqvnnDeaeyi8PPszrun5AnjOn0JVUazZx8r1VxhEjAhor-Sp-tGyD837F$"><span style="color:#1155CC">ON
WIRE FRAUD PREVENTION</span></a></span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222">This electronic mail may constitute a client communication that is privileged at law. It is not intended for transmission to, or receipt
by, any unauthorized persons. <br>
If you have received this electronic mail transmission in error, please delete it from your system without copying it, and notify the sender by reply e-mail, so that our address record can be corrected.</span></i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222"><o:p></o:p></span></p>
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