Re: Smith, Judith & Curtis TS #60480-00175-NJ-WA APN #510000-1051 Reference Number: 201405220593 Abbreviated Legal: LOTS 18-19, BLK. 5, LAKE WHITMAN TO BENBOW LAKES, VOL. 14, PG. 19 Grantor: Caroline Judith Smith and Curtis Dean Smith Grantee: North Cascade Trustee Services Inc. Original Beneficiary: Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Master Service Corporation 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 August 12, 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: LOTS 18 AND 19, BLOCK 5, LAKE WHITMAN TO BENBOW LAKES, ACCORDING TO THE PLAT THEROF RECORDED IN VOLUME 14 OF PLATS, AT PAGES 19 AND 20, RECORDS OF PIERCE COUNTY, WASHINGTON. APN: 510000-1051 More commonly known as: 13623 Twin Lakes Drive E, Graham, WA 98338 which is subject to that certain Deed of Trust dated May 19, 2014, recorded May 22, 2014, under Auditor’s File No. 201405220593, records of Pierce County, Washington, from Caroline Judith Smith and Curtis Dean Smith, Wife & Husband as Grantor, to First American Title , as Trustee, to secure an obligation in favor of Mortgage Electronic. Registration Systems, Inc. as nominee for Mortgage Master Service Corporation as Beneficiary, the beneficial interest in which was assigned to Alabama Housing Finance Authority under an Assignment recorded on February 2, 2016 under Auditor’s File 201602020514 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 amounts now in arrears and/or other defaults: Payments $14,249.00 Late Charges $325.71 Suspense Balance $-1,356.42 Net Other Fees $32.00 Grand Total $13,250.29. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $264,418.09, 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 August 12, 2016. The defaults referred to in paragraph III must be cured by August 1, 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 August 1, 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 August 1, 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: Caroline Judith Smith 13623 Twin Lakes Drive E Graham, WA 98338 Curtis Dean Smith 13623 Twin Lakes Drive E Graham, WA 98338 Current Occupant 13623 Twin Lakes Drive E Graham, WA 98338 by both first-class and certified mail on February 29, 2016, 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: April 1, 2016 North Cascade Trustee Services Inc., Duly Appointed Successor Trustee By Emily Westerlund, Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 98104 Telephone 1-855-676-9686 TAC: 994578 IDX708795 PUB: 07/14/16, 08/04/16