Oral agreements or oral commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt are not enforceable under Washington law. Yes you have to have your bank certify that there is no lien and then the title will be reissued with you as the owner and not the lender.With Wells Fargo Online, you'll need to complete a one-time enrollment process. You'll need your Social Security number and date of birth to get started. Use Schedule A (Form 1040) to figure your itemized deductions. In most cases, your federal income tax will be less if you take the. Enter loan amount and loan type. Below is a list of applications and forms available for Washington Loan Originators.