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TS No WA07000230-24-1 TO No 240422509-WA-MSI NOTICE OF TRUSTEES SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Grantor: KARENA RATCLIFF AND EDWARD RATCLIFF, WIFE AND HUSBAND Current Beneficiary of the Deed of Trust: Servbank, SB Original Trustee of the Deed of Trust: FIDELITY NATIONAL TITLE Current Trustee of the Deed of Trust: MTC Financial Inc. dba Trustee Corps Current Mortgage Servicer of the Deed of Trust: Servbank, SB Reference Number of the Deed of Trust: Instrument No. 5464478 Parcel Number: 110088312 I. NOTICE IS HEREBY GIVEN that on April 11, 2025, 11:00 AM, at the Public Service Center Gazebo Clark County, 1300 Franklin St, Vancouver, WA 98660, MTC Financial Inc. dba Trustee Corps, the undersigned Trustee, will sell at public auction to the highest and best bidder, payable, in the form of cash, or cashiers 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 Clark, State of Washington, to-wit: LOT(S) 27, SHARMEL SLOPE, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME G OF PLATS, PAGE 959, RECORDS OF CLARK COUNTY, WASHINGTON. APN: 110088312 More commonly known as 12313 NORTHEAST 21ST STREET, VANCOUVER, WA 98684 which is subject to that certain Deed of Trust dated November 17, 2017, executed by KARENA RATCLIFF AND EDWARD RATCLIFF, WIFE AND HUSBAND as Trustor(s), to secure obligations in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS), as designated nominee for CMG MORTGAGE, INC DBA CMG FINANCIAL, Beneficiary of the security instrument, its successors and assigns, recorded November 21, 2017 as Instrument No. 5464478 and that said Deed of Trust was modified by Modification Agreement and recorded September 9, 2022 as Instrument Number 6076688 and the beneficial interest was assigned to Servbank, SB and recorded August 26, 2024 as Instrument Number 6201217 of official records in the Office of the Recorder of Clark County, Washington. II. No action commenced by Servbank, SB, 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 Grantors 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: DELINQUENT PAYMENT INFORMATION From August 1, 2023 To December 6, 2024 Number of Payments 17 Total $33,174.15 LATE CHARGE INFORMATION August 1, 2023 December 6, 2024 $212.85 $212.85 PROMISSORY NOTE INFORMATION Note Dated: November 17, 2017 Note Amount $274,928.00 Interest Paid To: July 1, 2023 Next Due Date: August 1, 2023 Current Beneficiary: Servbank, SB Contact Phone No: 866-867-0330 Address: 3138 East Elwood Street, Phoenix, AZ 85034 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $204,607.06, 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. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on April 11, 2025. The defaults referred to in Paragraph III must be cured by March 31, 2025, (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 March 31, 2025 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees 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 March 31, 2025 (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 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 current Beneficiary, Servbank, SB or Trustee to the Borrower and Grantor at the following address(es): ADDRESS EDWARD RATCLIFF 12313 NORTHEAST 21ST STREET, VANCOUVER, WA 98684 KARENA RATCLIFF 12313 NORTHEAST 21ST STREET, VANCOUVER, WA 98684 by both first class and certified mail on October 21, 2024, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default or the written Notice of Default was posted in a conspicuous place October 19, 2024 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 tothose 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 Trustees Sale. X. Notice to Occupants or Tenants. The purchaser at the Trustees 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. Notice to Borrower(s) who received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. Mediation MUST be requested between the time you receive the Notice of Default and no later than 90 calendar days BEFORE the date of sale listed in the Notice of Trustee Sale. If an amended Notice of Trustee Sale is recorded providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in the amended Notice of Trustee Sale. 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 might 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: (877) 894-4663 or (800) 606-4819 Website: www.wshfc.org The United States Department of Housing and Urban Development: Telephone: (800) 569-4287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: (800) 606-4819 Website: www.homeownership.wa.gov Dated: December 6 , 2024 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Alan Burton, Vice President MTC Financial Inc. dba Trustee Corps 606 W. Gowe Street Kent, WA 98032 Toll Free Number: (844) 367-8456 TDD: 711 949.252.8300 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps Order Number 108235, Pub Dates: 03/13/2025, 04/03/2025, CAMAS-WASHOUGAL POST-RECORD No. 989620 - March 13, April 3