Re: NEAL-PANYGERES, LISA M NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-673192-SW APN No.: 618000-0440 Title Order No.: 150149102-WA-MSI Deed of Trust Grantor(s): LISA M. NEAL-PANYGERES, GUARDIAN OF THE ESTATE OF NINA NEAL Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR HIGHTECHLENDING INC. Deed of Trust Instrument/Reference No.: 201110310851 I. NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/8/2016 , at 10:00 AM At the Second Floor Entry Plaza Outside Pierce County Courthouse, 930 Tacoma Ave South, Tacoma, WA sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of 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: THE LAND REFERRED TO IS SITUATED IN THE COUNTY OF PIERCE, CITY OF TACOMA, STATE OF WASHINGTON, AND IS DESCRIBED AS FOLLOWS: LOT(S) 17 TO 20, INCLUSIVE, BLOCK 50, MOUNTAIN VIEW ADDITION TO TACOMA, PIERCE COUNTY, W.T., ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 4 OF PLATS, PAGE(S) 21, RECORDS OF PIERCE COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON More commonly known as: 1615 HUME STREET S, TACOMA, WA 98444 which is subject to that certain Deed of Trust dated 10/26/2011, recorded 10/31/2011, under 201110310851 records of PIERCE County, Washington, from LISA M. NEAL-PANYGERES, GUARDIAN OF THE ESTATE OF NINA NEAL, as Grantor(s), to OLD REPUBLIC TITLE, LTD., as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR HIGHTECHLENDING INC., as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR HIGHTECHLENDING INC. (or by its successors-in-interest and/or assigns, if any), to Reverse Mortgage Funding 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: BORROWER(S) HAVE DIED AND THE PROPERTY IS NOT THE PRINCIPAL RESIDENCE OF AT LEAST ONE SURVIVING BORROWER AND, AS A RESULT, ALL SUMS DUE UNDER THE NOTE HAVE BECOME DUE AND PAYABLE IV. The total sum owing on the obligation secured by the Deed of Trust is: t he principal sum of $170,171.31 , together with interest as provided in the Note, Deed of Trust, or other instrument secured from 11/11/2014 on, and such other costs, fees, and charges as are due under the Note, Deed of Trust, 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 1/8/2016 . T he default ( s ) referred to in Paragraph III must be cured before th is sale date (if curable) to cause a discontinuance of th e sale. The sale will be discontinued and terminated if the default as set forth in Paragraph III is cured . For monetary defaults, payment s must be in cash or with cashiers or certified checks from a State or F ederally chartered bank. The sale may also be terminated any time before the sale date set forth in this Paragraph if the Borrower, Grantor or holder of any recorded junior lien or encumbrance pay s the entire principal and interest, plus costs, charges, fees and advances, if any, made pursuant to the terms of the Note, Deed of Trust and/or other instrument secured, and cur es all other defaults. VI. A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address( es ): NAME NINA NEAL, LISA M. NEAL-PANYGERES GUARDIAN OF THE ESTATE OF NINA NEAL ADDRESS 1615 HUME STREET S, TACOMA, WA 98444 by both first class and certified mail, 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. These requirements were completed as of 7/31/2015 . 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 20 th 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 20 th day following the sale the P urchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the P urchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE OF YOUR HOME . In the event the property secured by the Deed of Trust is owner-occupied residential real property, you may be eligible for mediation, y ou have only 20 DAYS from the recording date of this N otice 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: Toll-free: 1-877-894-HOME (1-877-894-4663) or w ebsite: . The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National w eb s ite: or for Local counseling agencies in Washington: The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or w ebsite: . ADDITIONAL NOTICES: If the sale is set aside for any reason, including if the Trustee is unable to convey title, the P urchaser at the sale shall be entitled only to a return of the monies paid to t he Trustee. This shall be the P urchase r’s sole and exclusive remedy. The P urchaser shall have no further recourse against the Borrower, Grantor, Trustee, Beneficiary, Beneficiary’s Agent, or Beneficiary’s A ttorney. If you have previously been discharged through bankruptcy, you may have been released of p ersonal liability for this loan, in which case this lett er is intended to exercise the N ote holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBT
AINED WILL BE USED FOR THAT PURPOSE . Dated: 9/4/2015 Quality Loan Service Corp. of Washington, as Trustee By: Sierra Herbert-West, Assistant Vice President. Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 916.939.0772 Or Login to: TS No.: WA-15-673192-SW State of : Washington ) County of: King ) I certify that I know or have satisfactory evidence that Dated: Signature Title My appointment expires: IDSPub #0090993 IDX670603 12/4/2015 12/28/2015