Notice of Trustee's Sale

Abbreviated Legal: LOT 7 BLOCK 1 CORRECTED PLAT OF RIVERVIEW TERRACE VOL. C, PG. 83, FRANKLIN CO, WASHINGTON

File No.: 7886.25267 Grantors: Northwest Trustee Services, Inc. PNC Bank, National Association, successor in interest to National City Real Estate Services, LLC, successor by merger to National City Mortgage, Inc., formerly known as National City Mortgage Co. Grantee: Reuben Esparza, also known as Reuben Esparza Jr., as his separate estate Ref to DOT Auditor File No.: 1638966 Tax Parcel ID No.: 119523301 Abbreviated Legal: LOT 7 BLOCK 1 CORRECTED PLAT OF RIVERVIEW TERRACE VOL. C, PG. 83, FRANKLIN CO, WASHINGTON 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: 1-877-894-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. On June 12, 2015, at 10:00 AM. On the steps outside the main entrance on the East side of the Franklin County Courthouse, 1016 North 4th Avenue in the City of Pasco, 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 FRANKLIN, State of Washington: Lot 7, Block 1, Corrected Plat of Riverview Terrace, according to Plat thereof recorded in Volume "C" of Plats, Page 83, Records of Franklin County, Washington. Commonly known as: 3901 West Sylvester Street Pasco, WA 99301 which is subject to that certain Deed of Trust dated 01/09/04, recorded on 01/16/04, under Auditor's File No. 1638966, records of FRANKLIN County, Washington, from Reuben Esparza Jr and Laurie Esparza, husband and wife, as Grantor, to Cascade Title Company, as Trustee, to secure an obligation "Obligation" in favor of Whidbey Island Bank, as Beneficiary, the beneficial interest in which was assigned by Whidbey Island Bank to National City Mortgage Co., under an Assignment/Successive Assignments recorded under Auditor's File No. 1639777. *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 Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 02/05/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $24,655.40 Late Charges $323.84 Lender's Fees & Costs $285.00 Total Arrearage $25,264.24 Trustee's Expenses (Itemization) Trustee's Fee $512.50 Title Report $0.00 Statutory Mailings $0.00 Recording Costs $0.00 Postings $0.00 Sale Costs $0.00 Total Costs $512.50 Total Amount Due: $25,776.74 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $107,223.89, together with interest as provided in the note or other instrument evidencing the Obligation from 04/01/13, 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 June 12, 2015. 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 06/01/15 (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 06/01/15 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, 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 after 06/01/15 (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 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, 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 address(es): NAME AND ADDRESS Reuben Esparza, Jr. aka Reuben Esparza 3901 West Sylvester Street Pasco, WA 99301 Reuben Esparza, Jr. aka Reuben Esparza P.O. Box 3259 Pasco, WA 99302 Reuben Esparza, Jr. aka Reuben Esparza 3901 West Sylvester Pasco, WA 99301 Unknown Spouse and/or Domestic Partner of Reuben Esparza, Jr. aka Reuben Esparza 3901 West Sylvester Street Pasco, WA 99301 Unknown Spouse and/or Domestic Partner of Reuben Esparza, Jr. aka Reuben Esparza P.O. Box 3259 Pasco, WA 99302 Unknown Spouse and/or Domestic Partner of Reuben Esparza, Jr. aka Reuben Esparza 3901 West Sylvester Pasco, WA 99301 Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza 3901 West Sylvester Street Pasco, WA 99301 Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza P.O. Box 3259 Pasco, WA 99302 Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza 3901 West Sylvester Pasco, WA 99301 Unknown Spouse and/or Domestic Partner of Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza 3901 West Sylvester Street Pasco, WA 99301 Unknown Spouse and/or Domestic Partner of Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza P.O. Box 3259 Pasco, WA 99302 Unknown Spouse and/or Domestic Partner Laurie Esparza nka Laurie Sue Kilbury aka Laurie S. Esparza 3901 West Sylvester Pasco, WA 99301 Reuben Esparza, Jr. aka Reuben Esparza c/o Edward F. Shea, Jr, Attorney P.O. Box 2368 Pasco, WA 99302-2368 Reuben Esparza, Jr. aka Reuben Esparza c/o Edward F. Shea, Jr, Attorney 1915 Sun Willows Boulevard Pasco, WA 99302-2368 by both first class and certified mail, return receipt requested on 06/03/14, proof of which is in the possession of the Trustee; and on 06/03/14 Grantor and Borrower were personally served with said written notice of default or the written notice of default on the real property described in paragraph I above, of such service or posting. VII. The Trustee, whose provide in writing to anyone requesting it a statement any time prior to the sale. VIII. The effect of the those who hold by, through or under the Grantor Anyone having any objection to the sale on any grounds to be heard as to those objections if they to RCW 61.24.130. Failure to bring such a lawsuit grounds for invalidating the Trustee's sale. X. NOTICE purchaser at the Trustee's Sale is entitled to possession the sale, as against the Grantor under the an interest junior to the Deed of Trust, including the 20th day following the sale the purchaser has tenants by summary proceedings under Chapter the purchaser shall provide a tenant with written The trustee's rules of auction may be accessed at by this reference. You may also access sale www.USA-Foreclosure.com. Date Executed: Northwest Signature 13555 SE 36th St. Suite 100 Bellevue, (425) 586-1900. (TS# 7886.25267) 1002.269289