Re: Smith, Jean & Matthew TS #60128-26169-NJ-WA APN #0222296029 Reference Number: 200605310475 Abbreviated Legal: PTN LOT 3, ALL OF LOT 4 PIERCE COUNTY SHORT PLAT NO. 76-298 Grantor: Jean B. Smith, aka B. Jean Smith and Matthew A Smith Grantee: North Cascade Trustee Services Inc. Original Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS NOMINEE. FOR BNC MORTGAGE, INC. NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. This is an attempt to collect a debt and any information obtained will be used for that purpose. 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: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm. The United States Department of housing and Urban Development Telephone: Toll-free: 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. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on May 27, 2016, at the hour of 10:00 AM at Pierce County Superior Courthouse, 2nd Floor Entry Plaza, 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: EXHIBIT “A” Lot 4, Pierce County Short Plat Number 76-298, according to the Map thereof recorded in Volume 9 of Short Plats, page 68, in Pierce County, Washington; including that portion of Lot 3, Pierce County Short Plot Number 76-298, according to the map thereof recorded in Volume 9 of Short Plats, page 68, in Pierce County, Washington, described as follows: Beginning at the southeast corner of said Lot 3; Thence north 01° 46’02” east 165.61 feet to the northeast corner thereof; Thence south 23°36’57” west 114.06 feet; Thence south 33°37’55” east 73.28 feet to the point of beginning; (ALSO KNOWN AS Parcel A (revised) of L.L.A. recorded under Pierce County Recording Number 8607310349); TOGETHER WITH an easement 30 feet in width for ingress and egress as contained in easement recorded under Pierce County Recording Number 2665210; TOGETHER WITH an easement for ingress and egress being 30 feet and lying 15 feet on each side of the following described center line: Commencing at the northeast corner of Lot 3, Pierce County Short Nat No. 76-298; Thence along the north line of said Lot 3 north 87°53’40” west 250.00 feet to the northwest corner of said lot to the TRUE POINT OF BEGINNING; Thence south 79°00’00” east 180.00 feet; Thence south 62°00’00 east 90.00 feet to the terminal point of this center line. Including that area lying within the circumference of a circle having a radius of 30.00 feet. The center of said circle lying north 62°00’00” west 50.00 feet and south 10°00’00” east 50.00 feet from the above terminal point. APN: 0222296029 More commonly known as: 3606 123rd St Ct NW, Gig Harbor, WA 98332 which is subject to that certain Deed of Trust dated May 22, 2006, recorded May 31, 2006, under Auditor’s File No. 200605310475, records of Pierce County, Washington, from Matthew A. Smith and B. Jean Smith, husband and wife, as joint tenants, as Grantor, to FIRST AMERICAN TITLE INSURANCE COMPANY, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS NOMINEE FOR BNC MORTGAGE, INC. as Beneficiary, the beneficial interest in which was assigned to U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET INVESTMENT LOAN TRUST MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-BNC3 under an Assignment recorded on June 24, 2015 under Auditor’s File 201506240287 in the official records in the Office of the Recorder of Pierce County, Washington. II. No action commenced by 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 Grantor’s default on the obligation secured by the Deed of Trust/Mortgage. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amount is now in arrears and/or other defaults: Payments $22,957.00 Interest Due $12,347.10 Escrow Payment $10,772.60 Grand Total $46,076.70. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $295,887.06, 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. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on May 27, 2016. The defaults referred to in paragraph III must be cured by May 16, 2016 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated at any time before May 16, 2016 (11 days before the sale date), the defaults as set forth in paragraph III are cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers’ or certified check from a state or federally chartered bank. The sale may be terminated any time after May 16, 2016 (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: Jean B. Smith, aka B. Jean Smith 3606 Nw 123rd St Ct Gig Harbor, WA 98332 Jean B. Smith, aka B. Jean Smith PMB 164-5114 PT Posdick Drive Gig Harbor, WA 98335 Matthew A Smith 3606 Nw 123rd St Ct Gig Harbor, WA 98332 Matthew A Smith PMB 164-5114 PT Posdick Drive Gig Harbor, WA 98335 Occupant 3606 123rd St Ct NW Gig Harbor, WA 98332 by both first-class and certified mail on September 2, 2015, 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 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. 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. To access sale information, please go to salestrack.tdsf.com or call the automated sales line at: 888-988-6736. Dated: January 15, 2016 North Cascade Trustee Services Inc., Duly Appointed Successor Trustee By Katherine Forneret, Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 98104 Telephone 1-855-676-9686 TAC: 991746 IDX694032 PUB: 04/27/16, 05/18/16