TS No: 25-36000 Loan No: ******3262 APN: 0318357007

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 1/16/2026, at 10:00 AM at 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 cash, or 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:

See attached exhibit “A” attached hereto and made a part hereof

Commonly known as:

28617 E 28TH AVE

ROY, WA 98580

which is subject to that certain Deed of Trust dated 12/14/2021, recorded 12/17/2021, under Auditor’s File No. 202112170322, in Book , Page records of Pierce County, Washington, from John E, McPhee, an unmarried person, as Grantor(s), to Stewart Title Company, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as designated nominee for Movement Mortgage, LLC, beneficiary of the security instrument, its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc., as designated nominee for Movement Mortgage, LLC, beneficiary of the security instrument, its successors and assigns to Carrington Mortgage Services, LLC, under an Assignment recorded under Auditor’s File No. 202501160068.

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:

Failure to pay when due the following amounts which are now in arrears:

PROMISSORY NOTE INFORMATION

Note Dated: 12/14/2021

Note Amount: $460,298.00

Interest Paid To: 4/1/2024

Next Due Date: 5/1/2024

PAYMENT INFORMATION

FROM 5/1/2024

THRU NO.PMT

17 AMOUNT $2,562.40

TOTAL

$43,560.80

LATE CHARGE INFORMATION

FROM 5/1/2024

THRU NO. LATE CHARGES 0

TOTAL

$0.00

TRUSTEE’S FEES AND COST

INFORMATION

7/14/2025 Trustee’s Fees (Pre-Publication) $510.00

7/14/2025 Mailings (Notice of Default) (DELETED) $0.00

7/21/2025 T.S.G. Fee $0.00

7/22/2025 Mailings (HUD Occupancy Notice) $0.00

7/22/2025 Mailings (HUD Occupancy Notice) $0.00

7/22/2025 Mailing Service Fee $0.00

7/22/2025 Mailing Service Fee $0.00

7/22/2025 Mailings (Adjusted by Mail Vendor) $10.18

7/22/2025 Mailings (Adjusted by Mail Vendor) $10.18

7/28/2025 Record Substitution of Trustee $303.00

8/1/2025 Posting of Notice of Sale $125.00

8/1/2025 Posting of Notice of Sale $75.00

8/4/2025 Mailings (Notice of Default) $0.00

8/4/2025 Mailings (Notice of Default) $0.00

8/4/2025 Mailing Service Fee $0.00

8/4/2025 Mailing Service Fee $0.00

8/4/2025 Mailings (Adjusted by Mail Vendor) $9.60

8/4/2025 Mailings (Adjusted by Mail Vendor) $9.60

8/5/2025 Trustee’s Fees (Pre-Publication) $595.00

9/3/2025 Mailings (HUD Occupancy Notice) $0.00

9/3/2025 Mailings (HUD Occupancy Notice) $0.00

9/11/2025 Trustee’s Fees (Publication) $510.00

9/11/2025 Publication of Notice of Sale $600.00

9/11/2025 Posting of Notice of Sale $120.00

9/11/2025 Record Notice of Sale $20.00

TOTAL

$2,897.56

IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $439,133.78, together with interest as provided in the Note from 5/1/2024, and such other costs and fees 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 1/16/2026. The defaults referred to in Paragraph III must be cured by 1/5/2026, (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 1/5/2026 (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 1/5/2026 (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 by paying the principal and interest, 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/ADDRESS

John E, McPhee, an unmarried person

28617 E 28TH AVE

ROY, WA 98580

John E. McPhee 28617 E 28TH AVE

Roy, WA 98580

by both first class and certified mail on 8/4/2025, 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.

DATED: 9/11/2025

Vylla Solutions – Washington, LLC

11335 NE 122nd Way, Suite 105

Kirkland, WA 98034

Phone No: (888) 313-1969

Monica Sandoval, Trustee Sale Specialist, Team Lead

PPP #25-006496

IDX-1023743

December 15, 2025 January 5,2026