Re: Phommathep, Theresa APN: 778500-0350 Deed of Trust Instrument No.: 201101200086 Grantor: THERESA PHOMMATHEP, A SINGLE WOMAN Grantee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS) AS NOMINEE FOR AXIA FINANCIAL, LLC., ITS SUCCESSORS AND ASSIGNS TS No: 16-43567 NOTICE OF TRUSTEE'S SALETHIS 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: 1-877-894HOME (1-877-894-4663) Web site: http://www.dfi.wa.gov/consumers/homeownership/ The United States Department of Housing and Urban Development: Telephone: 1-800-569-4287 Web site: http://portal.hud.gov/hudportal/HUD The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Web site: http://www.ocla.wa.gov/ I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, North Star Trustee, LLC will on 2/17/2017, at 9:00 AM at the Second Floor Entry Plaza Outside the Pierce County Superior Courthouse, 930 Tacoma Avenue South, Tacoma, WA 98402 sell at public auction to the highest and best bidder, payable at the time of sale, the following described real property, situated in the County of Pierce, State of Washington, to-wit: LOTS 19 AND 20 IN BLOCK 4518 OF SOUTH SIDE ADDITION TO TACOMA, AS PER PLAT RECORDED IN VOLUME 4 OF PLATS, PAGE 54, RECORDS OF PIERCE COUNTY AUDITOR; EXCEPT THE WEST 8 FEET CONDEMNED UNDER ORDINANCE NO. 7472 FOR ALLEY PURPOSES; SITUATE IN THE CITY OF TACOMA, COUNTY OF PIERCE, STATE OF WASHINGTON. Commonly known as: 4840 YAKIMA AVE TACOMA, WA 98408 which is subject to that certain Deed of Trust dated 1/13/2011, recorded 1/20/2011, under Auditor's File No. 201101200086, records of Pierce County, Washington, from THERESA PHOMMATHEP, A SINGLE WOMAN, as Grantor(s), to NORTHPOINT ESCROW & TITLE LLC, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS) AS NOMINEE FOR AXIA FINANCIAL, LLC., ITS SUCCESSORS AND ASSIGNS. New Penn Financial, LLC d/b/a Shellpoint Mortgage Servicing is the holder of the Promissory Note and current Beneficiary of the Deed of Trust. 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. 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 THRU NO.PMT AMOUNT TOTAL 2/1/2016 02/29/2016 1 $1,086.15 $1,086.15 3/1/2016 10/20/2016 8 $1,085.27 $8,682.16 Legal Fee Balance $1,167.83 Other Fees Balance ($1,464.00) LATE CHARGE INFORMATION TOTAL $180.05 PROMISSORY NOTE INFORMATION Note Dated: 1/13/2011 Note Amount: $133,600.00 Interest Paid To: 1/1/2016 Next Due Date: 2/1/2016 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $143,307.44, together with interest as provided in the note or other instrument secured from the 1/1/2016, 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. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on 2/17/2017. The default(s) referred to in Paragraph III must be cured by 2/6/2017, (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 2/6/2017 (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 2/6/2017 (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 paying the entire 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 addresses: NAME & ADDRESS DANIEL PHOMMATHEP 4840 YAKIMA AVE TACOMA, WA 98408 DANIEL PHOMMATHEP 5921 KENNEDY AVE SE UNIT A AUBURN, WA 98092 THERESA PHOMMATHEP 4840 YAKIMA AVE TACOMA, WA 98408 THERESA PHOMMATHEP 5921 KENNEDY AVE SE UNIT A AUBURN, WA 98092 by both first class and certified mail on 8/9/2016, 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. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. DATED: 10/12/16 North Star Trustee, LLC, as Trustee Lisa Hackney, VP of Trustee Operations Address for service: North Star Trustee, LLC 6100 219th ST SW, Suite 480 Mountlake Terrace, Washington 98043 Phone No: (206) 866-5345 Beneficiary / Servicer Phone: 800-365-7107 STATE OF WASHINGTON) ss. COUNTY OF SNOHOMISH) I certify that I know or have satisfactory evidence that Lisa Hackney is the person who appeared before me, and said person acknowledged that (he/she) signed this instrument, on oath stated that (he/she) was authorized to execute the instrument and acknowledged it as the VP of Trustee Operations of North Star Trustee, LLC to be the free and voluntary act of such party for the uses and purposes mentioned in the instrument. Dated: 10/12/16 Kellie Barnes NOTARY PUBLIC in and for the State of Washington, residing at Lynnwood, WA My commission expires 3/18/2020 EPP 20132 IDX-727750 1/13, 2/3/17