Re: Goodwin, Edwin & Ann 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 will on the 7th of November, 2014 at the hour of 11:00 a.m., at the Pierce County Courthouse located at 930 Tacoma Ave S,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: LOT 62 OF LAKE JOSEPHINE RIVIERA NO. 4, ACCORDING TO PLAT RECORDED IN VOLUME 33 OF PLATS AT PAGES 26 AND 27, RECORDS OF PIERCE COUNTY AUDITOR; SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. which is subject to that certain Deed of Trust, dated July 28, 2008 and recorded on July 30, 2008 as Recording No. 200807300494 in the official records of Pierce County, Washington, Washington from Edwin Goodwin and Ann Malene Goodwin, who acquired title as Ann Goodwin, husband and wife, as Grantor, to John W. Weil, as Trustee, to secure an obligation in favor of Vanderbilt Mortgage and Finance, Inc., as Beneficiary. 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: a. Failure to pay monthly payments of $1,544.91 from 4/1/13 through 8/1/ 13 and monthly payments of $1,561.10 from 9/1/13 through 6/1/ 14. No payments have been received since March 2013. The total past due amount is $23,390.55 which consists of past due payments from April 1, 2013 though June 1, 2014, $60.00 in late fees, and less partial payment(s) of $5.00. 1. OTHER CHARGES, COSTS AND FEES: In addition to the amounts in arrears specified above, you are or may be obligated to pay the following charges, costs and fees to reinstate the Deed of Trust if reinstatement is made before recording of the Notice of Trustee's Sale: a. Cost of Title Report for foreclosure^$1,012.88 b. Recording fees^$16.01 c. Service/Posting of Notice of Default (estimated)^$90.00 d. Postage/Copying Expense (estimated)^$50.00 e. Trustee's fee^$400.00 f. Attorney's fee^$1,000.00 g. Inspection fees^$0.00 h. Long distance telephone charges^$0.00 TOTAL ESTIMATED CHARGES, COSTS AND FEES^$2568.89 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $214,165.05, together with interest, as provided for in the note or other instrument secured, from the 16th of April, 2014 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 the 7th of November, 2014. The default(s) referred to in paragraph III must be cured by the 27th of October, 2014 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before the 27th of October, 2014 (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after the 27th of October, 2014 (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 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: Occupant(s) 11024 118th Ave Ct Anderson Island, WA 98303 Edwin Goodwin 11024 118th Ave Ct Anderson Island, WA 98303 Ann Malene Goodwin 11024 118th Ave Ct Anderson Island, WA 98303 by both first class and certified mail on the 18th of April, 2014, proof of which is in the possession of the Beneficiary; and the Borrower and Grantor were personally served on (n/a) 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 on the 30th of April, 2014 and the Beneficiary has possession of proof of 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 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 OCCUPANT 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 as in accordance with RCW 61.24.060. Joel Watkins, Successor Trustee 901 5th Ave, Suite 4100 Seattle, WA 98164 (206) 623-1965 STATE OF WASHINGTON COUNTY OF KING I certify that I know or have satisfactory evidence that Joel Watkins is the person who appeared before me, and said person acknowledged that Joel Watkins signed this instrument and acknowledged it to be a free and voluntary act for the uses and purposes mentioned in the instrument. DATED: June ___, 2014. Notary Public for Washington FOR MORE INFORMATION REGARDING THIS SALE, PLEASE CONTACT: Weil & Lewandowski LLP 10300 SW Greenburg Rd, Suite 430 Portland, OR 97223 (503) 226-0500 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 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: (877) 894-HOME (4663) Web site: http://www.dfi.wa.gov/consumers/homeownership/ post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: (800) 569-4287 Web site: http://portal.hud.gov/hudportal/HUD?src=/program_offices/ housing/sfh/hcc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: (888) 201-1014 Web site: http://nwjustice.org/getlegal-help October 7, 28