7023.110465 Grantors: Northwest Trustee Services, Inc. Wells Fargo Bank, N.A. Grantee: Cecile Loitz, a Widow Ref to DOT Auditor File No.: 200703160078 Tax Parcel ID No.: 4263000-006-0008 Abbreviated Legal: Lt 6, 8th Add Driftwood Key, Vol 12, Pgs 7 & 8, Kitsap 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 October 24, 2014, at 10:00 AM. under the covered area at the front entrance to the Administration Building, 619 Division Street Port Orchard, WA 98366 in the City of Port Orchard, 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 KITSAP, State of Washington: Lot 6, 8th Addition Driftwood Key, as per Plat recorded in Volume 12 of Plats, Page 7 and 8, records of Kitsap County; situate in Kitsap County, Washington. Commonly known as: 37510 Buck Road Northeast Hansville, WA 98340 which is subject to that certain Deed of Trust dated 03/12/07, recorded on 03/16/07, under Auditor's File No. 200703160078, records of KITSAP County, Washington, from Cecile Loitz, a single person as her sole and separate property, as Grantor, to Northwest Trustee Services, LLC, as Trustee, to secure an obligation "Obligation" in favor of Wells Fargo Bank, N.A., as Beneficiary. *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 Note and Deed of Trust pursuant to paragraph 9(b)(i), the property ceases to be the principal residence of a Borrower for reasons other than death and the property is not the principal residence of at least one other Borrower. Amount due to satisfy as of 07/21/2014 Unpaid Principal Balance as of 1/23/14 $370,929.65 Interest $332.31 Mortgage Insurance $152.44 Lender's fees & costs $397.46 Trustee's Expenses (Itemization) Trustee's Fee $1,200.00 Title Report $1,074.20 Statutory Mailings $33.66 Recording Costs $16.00 Postings $80.00 Total Costs $2,403.86 Total Amount Due: $374,215.66 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $370,929.65, together with interest as provided in the note or other instrument evidencing the Obligation from 12/23/13, 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 10/24/14. 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 before the sale, to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before the sale, the default(s) as set forth in paragraph III, together with accruing interest, 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 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. 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 Cecile Loitz 37510 Buck Road Northeast Hansville, WA 98340 Cecile Loitz PO Box 39 Hansville, WA 98340 Unknown Spouse and/or Domestic Partner of Cecile Loitz 37510 Buck Road Northeast Hansville, WA 98340 Unknown Spouse and/or Domestic Partner of Cecile Loitz PO Box 39 Hansville, WA 98340 Cecile Loitz 15739 Southwest Highpoint Drive Sherwood, CO 97140 Unknown Spouse and/or Domestic Partner of Cecile Loitz 15739 Southwest Highpoint Drive Sherwood, CO 97140 by both first class and certified mail, return receipt requested on 06/18/ 14, proof of which is in the possession of the Trustee; and on 06/18/14 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: 07/ 21/2014 Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Neang Avila (425) 586-1900. (TS# 7023.110465) 1002.269918-File No. September 26, October 17