7236.24302 Grantors: Northwest Trustee Services, Inc. Bank of New York

7236.24302 Grantors: Northwest Trustee Services, Inc. Bank of New York Mellon, f/k/a Bank of New York, as Trustee, on behalf of the registered holders of Alternative Loan Trust 2007-OA7, Mortgage PassThrough Certificates Series 2007-OA7 Grantee: David R. Gelinas and Karen M. Gelinas, Husband and Wife Ref to DOT Auditor File No.: 4191014 and re-recorded 1/09/14 as AF# 4353669 Tax Parcel ID No.: 313645/ S7410-06-02030-0 Abbreviated Legal: LOT 30, BLK 2, LOST LAKE GROVE DIV. 6 VOL. 8, PG. 81, ISLAND CO., WA Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission Telephone: Toll-free: 1-877894-HOME (1-877-8944663). Web site: http:// www.dfi.wa.gov/consumers/homeownership/ post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Tollfree: 1-800-569-4287. Web site: http://www.hud.gov/ offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear. I. On January 30, 2015, at 10:00 AM. outside the main entrance of the Island County Annex Building near the Veteran's Memorial at 1 NE 6th Street in the City of Coupeville, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property "Property", situated in the County(ies) of ISLAND, State of Washington: Lot 30, Block 2, plat of Lost Lake Grove, Division No. 6 according to the plat thereof, recorded in Volume 8 of plats, page 81, records of Island County, Washington. Commonly known as: 1592 LAKE DRIVE CAMANO ISLAND, WA 98282 which is subject to that certain Deed of Trust dated 12/27/06, recorded on 01/05/07, under Auditor's File No. 4191014 and re-recorded 1/09/14 as AF# 4353669, records of ISLAND County, Washington, from Karen Gelinas and David Gelinas, as Grantor, to First American Title, as Trustee, to secure an obligation "Obligation" in favor of Mortgage Electronic Registration Systems, Inc. as nominee for United Financial Mortgage Corp. It's Successors and Assigns, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc. to The Bank of New York Mellon fka The Bank of New York as Trustee for the certificateholders, CWALT, Inc., Alternative Loan Trust 2007-OA7, under an Assignment/Successive Assignments recorded under Auditor's File No. 4270966. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property's full legal description provided herein. II. No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor's or Borrower's default on the Obligation secured by the Deed of Trust. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 9/22/2014 Monthly Payments $113,305.52 Late Charges $0.00 Lender's Fees & Costs $3,177.75 Total Arrearage $116,483.27 Trustee's Expenses (Itemization) Trustee's Fee $700.00 Title Report $0.00 Statutory Mailings $0.00 Recording Costs $0.00 Postings $0.00 Sale Costs $0.00 Total Costs $700.00 Total Amount Due: $117,183.27 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $235,021.51, together with interest as provided in the note or other instrument evidencing the Obligation from 01/01/08, and such other costs and fees as are due under the Obligation, and as are provided by statute. V. The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on January 30, 2015. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 01/ 19/15 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 01/19/15 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after 01/19/15 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS David R Gelinas 1592 Lake Drive Camino Island, WA 98282 David R Gelinas PO Box 548 Snohomish, WA 98291 Karen M Gelinas 1592 Lake Drive Camino Island, WA 98282 Karen M Gelinas PO Box 548 Snohomish, WA 98291 by both first class and certified mail, return receipt requested on 07/17/ 13, proof of which is in the possession of the Trustee; and on 07/17/13 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee, whose name and address are set forth below, will provide in writing to anyone requesting it a statement of all costs and trustee's fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the Property. IX. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. X. NOTICE TO OCCUPANTS OR TENANTS The purchaser at the Trustee's Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. EFFECTIVE: 9/ 22/2014 Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Kathy Taggart (425) 586-1900. (TS# 7236.24302) 1002.253212-File No. December 31, January 21