Steadman's loan falls within the statute of frauds is that it is an encumbrance on real property. p27] RCW 64.04.010; RCW 64.04.020; Algaier v. CMG Mon., Inc., No. 13-CV-0380-TOR, 2014 U.S. Dist. LEXIS 112363, 2014 WL 3965180, at *7 (E. D. Wash. Aug. 13, 2014) (finding that a loan secured by real property