RE: ESPARZA, BRIAN A NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. TS No. WA07000013-10-2 APN 3000090110 TO No 110291089-WA-GSI I. NOTICE IS HEREBY GIVEN that on October 18, 2013, 10:00 AM, the 2ND floor entry plaza outside the County Courthouse, 930Tacoma Avenue South, Tacoma, WA, MTC FINANCIAL INC. dba TRUSTEE CORPS, the undersigned Trustee, will 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: LOT(S) 11, WEST BAY RIDGE, ACCORDING TO THE PLAT RECORDED UNDER AUDITOR'S NO. 9204080525, IN PIERCE COUNTY, WASHINGTON. NOTE FOR INFORMATIONAL PURPOSES ONLY: THE FOLLOWING MAY BE USED AS AN ABBREVIATED LEGAL DESCRIPTION ON THE DOCUMENTS TO BE RECORDED, PER AMENDED RCW 65.04. SAID ABBREVIATED LEGAL DESCRIPTION IS NOT A SUBSTITUTE FOR A COMPLETE LEGAL DESCRIPTION WITHIN THE BODY OF THE DOCUMENT. LOT 11, WEST BAY RIDGE APN: 300009-0110 More commonly known as 6609 37TH STREET COURT NORTHWEST, GIG HARBOR, WA 98335 which is subject to that certain Deed of Trust dated June 19, 2009 and recorded on June 26, 2009 as Instrument No. 200906260222 and that said Deed of Trust was modified by Modification Agreement and recorded on January 27, 2011 as Instrument Number 201101270090 of official records in the Office of the Recorder of Pierce County, Washington from BRIAN ALEXANDER ESPARZA, AS HIS SEPARATE ESTATE as Grantor(s), to TICOR TITLE COMPANY as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as the original Beneficiary. II. No action commenced by Selene Finance, the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers' or Grantors' default on the obligation secured by the Deed of Trust/ Mortgage. Current Beneficiary: Selene Finance Contact Phone No: (800) 9687700 Address. 5151 Corporate Drive, Troy, MI 48098 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: DELINQUENT PAYMENT INFORMATION From March 1, 2011 To June 18, 2013 Number of Payments 29 Monthly Payment $2,523.62 Total $ 73,184.98 LATE CHARGE INFORMATION From March 1, 2011 To June 18, 2013 Number of Payments 29 Monthly Payment $126.18 Total $ 3,659.22 PROMISSORY NOTE INFORMATION Note Dated: June 19, 2009 Note Amount: $360,578.00 Interest Paid To: February 1, 2011 Next Due Date: March 1, 2011 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $392,849.69, together with interest as provided in the Note or other instrument secured, and such other costs and fees as are due under the Note or other instrument secured, and 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 October 18, 2013. The defaults referred to in Paragraph III must be cured by October 7, 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 October 7, 2013 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees' 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 October 7, 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 current Beneficiary, Selene Finance or Trustee to the Borrower and Grantor at the following address(es): ADDRESS 6609 37TH STREET COURT NORTHWEST, GIG HARBOR, WA 98335; 6609 37TH STREET CT NW, GIG HARBOR, WA 98335-6475; by both first class and certified mail on August 12, 2011, 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 Trustees' Sale. 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 the Unlawful Detainer Act, Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060; NOTICE TO GUARANTOR(S) RCW 61.24.042 (1) The Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the Trustees' Sale is less than the debt secured by the Deed of Trust; (2) The Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the Grantor in order to avoid the Trustee's Sale; (3) The Guarantor will have no right to redeem the property after the Trustee's Sale; (4) Subject to such longer periods as are provided in the Washington Deed of Trust Act, Chapter 61.24.RCW, any action brought to enforce a guaranty must be commenced within one year after the Trustees' Sale, or the last Trustee's Sale under any Deed of Trust granted to secure the same debt; and (5) In any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the Trustee's Sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the Trustee's Sale, plus interest and costs. The failure of the Beneficiary to provide any Guarantor the notice referred to in this section does not invalidate either the notices given to the Borrower or the Grantor, or the Trustee's Sale. Dated: June 18, 2013 TRUSTEE CORPS By: Joseph Barragan, Authorized Signatory TRUSTEE CORPS TRUSTEE CORPS 1700 Seventh Avenue 17100 Gillette Ave Suite 2100 Irvine, CA 92614 Seattle WA 98101 SALE INFORMATION CAN BE OBTAINED ONLINE AT FOR AUTOMATED SALES INFORMATION PLEASE CALL: Agency Sales and Posting at (714) 730-2727 A4398154 09/13/2013, 10/04/2013