Re: BOWMER, CINDY L & LOREN Loan No: 360217 APN: 6440000970 TS No: 1306234WA NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Seaside Trustee of Washington Inc., will on 01/03/2014, at 10:00 AMAT THE 2ND FLOOR ENTRY PLAZA OF THE COUNTY COURTHOUSE 930 TACOMA AVE SOUTH, TACOMA, WA sell at public auction to the highest and best bidder, payable, in the form of cash, or cashier's check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of PIERCE, State of Washington, to-wit: Lots 3 and 4 in Block 15 of Oaks addition to City of Tacoma, according to Plat recorded in Volume 2 of Plats Page(s) 16, in Pierce County, Washington Commonly known as: 1656 S. 41ST, TACOMA, WA 98418 which is subject to that certain Deed of Trust dated 06/25/2007, recorded 07/06/2007, under Auditor's File No. 200707060913, in Book XX, Page XX, records of PIERCE County, Washington, from CINDY L. BOWMER AND LOREN E. BOWMER, WIFE AND HUSBAND, as Grantor(s), to FIRST AMERICAN TITLE, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., acting solely as nominee for First Franklin Financial Corp., an OP SUB OF MLB&T CO., FSB its successors and assigns,, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc., acting solely as nominee for First Franklin Financial Corp., an OP SUB OF MLB&T CO., FSB its successors and assigns, to BAYVIEW LOAN SERVICING, LLC. 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 Borrower's or Grantor's default on the obligation secured by the Deed of Trust Mortgage. III. The default(s) for which this foreclosure is made is/ are as follows: Failure to pay when due the following amounts which are now in arrears: PAYMENT INFORMATION: FROM: 02/01/2012, THRU: 08/21/ 2013, NO. PMT: 19, AMOUNT: $1,196.00, TOTAL: $22,724.00. LATE CHARGE INFORMATION: FROM: 02/01/2012, THRU: 08/21/2013, NO. LATE CHARGES: 0, TOTAL: $0.00. PROMISSORY NOTE INFORMATION Note Dated: 06/25/2007 Note Amount: $184,050.00 Interest Paid To: 01/01/2012 Next Due Date: 02/ 01/2012. IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $178,925.71, together with interest as provided in the Note from 02/01/ 2012, and such other costs and fees as are provided by statute. V. The above described real property will be sold to satisfy the expense of sale and the Obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 01/ 03/2014. The defaults referred to in Paragraph III must be cured by 12/23/ 2013, (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 12/23/ 2013 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee's fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 12/23/2013 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust. VI. A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME: CINDY L. BOWMER AND LOREN E. BOWMER, WIFE AND HUSBAND, CINDY L. BOWMER and LOREN E. BOWMER, WIFE AND HUSBAND ADDRESS: 1656 S. 41ST, TACOMA, WA 98418, 9705 63RD AVE CT. E, PUYALLUP, WA 98373 by both first class and certified mail on 04/08/2013, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in 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 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 above described property. IX. Anyone having any Objections to this 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 and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the Unlawful Detainer Act, Chapter 59.12 RCW. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date on this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATIORNEY 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: (877) 894-4663. Website: www.homeownership.wa.gov The United States Department of Housing and Urban Development: Telephone: (800) 569-4287. Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: (888) 201-1014. Website: http:// nwjustice.org THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: 08/21/ 2013 Trustee Sales Information: (855)986-9342 / www.superiordefault.com Superior Default Services Inc. 3224 E. Yorba Linda Blvd. Suite 464 Fullerton, CA 92831 Seaside Trustee of Washington Inc. c/o Law Offices of B. Craig Gourley 1002 10th St. P.O. Box 1091 Snohomish, Washington 98291 (360) 568-5065 Kristin Steele, Authorized Signer (SDI# 5793, 12/02/2013, 12/ 23/2013)