State Guides
What brokers and loan officers should know about closings and property rules in Washington, and how Hancock Processing works your files there.
Washington is a title and escrow state. Closings are typically handled by escrow companies or the escrow departments of title companies, and a Washington Supreme Court rule allows certified non-attorneys to prepare the closing documents, so an attorney isn't needed for a typical closing.
Yes. Washington is one of nine community property states, and both spouses generally must sign the deed of trust to borrow against community real estate. State registered domestic partners are treated the same as spouses.
Yes, on the home the couple lives in. Washington's homestead law requires both spouses or domestic partners to sign a deed of trust on the family home, even when the home is one spouse's separate property and only that spouse is on title. The homestead applies automatically once the owner lives in the home as a principal residence.
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Washington
All of them. We process every loan type we offer in Washington, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from the Puget Sound area to Spokane and the Tri-Cities.
Yes. We process loans statewide, from the Puget Sound area to Spokane and the Tri-Cities. Our processors coordinate with the escrow and title company handling each file.
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