Is Washington a title theory state?

Answer 1

Washington primarily operates as a title theory state. The property title remains in trust until the loan is paid in full. Foreclosure is a non-judicial remedy under this theory. The loan document that secures and transfers the title to the lender is usually called a deed of trust. The power of sale clause in deeds of trusts provides a faster way to foreclose.

Washington law also permits lien mortgages upon real property. In that case, judicial foreclosures is required. It should be noted that some states permit title mortgages that include a power of sale that permits non-judicial foreclosure. Massachusetts is one example.

You can check your state at this link:
http://title.grabois.com/

Answer 2

No! It's a Lein theory state.