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TS No WA09000023-25-1 TO No DEF-666956 NOTICE OF TRUSTEES SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Grantor: OSCAR NERI AND ZOILA NERI, HUSBAND AND WIFE Current Beneficiary of the Deed of Trust: SELECT PORTFOLIO SERVICING, INC. Original Trustee of the Deed of Trust: WFG NATIONAL TITLE Current Trustee of the Deed of Trust: MTC Financial Inc. dba Trustee Corps Current Mortgage Servicer of the Deed of Trust: Select Portfolio Servicing, Inc. Reference Number of the Deed of Trust: Instrument No. 5484950 Parcel Number: 109779036 I. NOTICE IS HEREBY GIVEN that on March 13, 2026, 09:00 AM, Public Service Center Gazebo near the corner of Franklin and 13th street, across from the Clark County Courthouse, Clark County Public Service Center, 1300 Franklin Street, 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 4 OF EL MARK O, ACCORDING TO THE PLAT THEREOF, RECORDED IN BOOK G` OF PLATS, PAGE 876, RECORDS OF CLARK COUNTY, WASHINGTON. SITUATE IN THE CITY OF VANCOUVER, COUNTY OF CLARK, STATE OF WASHINGTON. APN: 109779036 More commonly known as 3921 NE 126TH AVE, VANCOUVER , WA 98682 which is subject to that certain Deed of Trust dated February 1, 2018, executed by OSCAR NERI AND ZOILA NERI, HUSBAND AND WIFE as Trustor(s), to secure obligations in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS), as designated nominee for AMERICAN PACIFIC MORTGAGE CORPORATION, Beneficiary of the security instrument, its successors and assigns, recorded February 5, 2018 as Instrument No. 5484950 and the beneficial interest was assigned to SELECT PORTFOLIO SERVICING, INC. and recorded December 23, 2024 as Instrument Number 6223440 of official records in the Office of the Recorder of Clark County, Washington. II. No action commenced by SELECT PORTFOLIO SERVICING, INC., 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 July 1, 2024 To October 29, 2025 Number of Payments 16 $1,991.87 Total $31,869.92 LATE CHARGE INFORMATION July 1, 2024 October 29, 2025 $127.24 $127.24 PROMISSORY NOTE INFORMATION Note Dated: February 1, 2018 Note Amount $291,000.00 Interest Paid To: June 1, 2024 Next Due Date: July 1, 2024 Current Beneficiary: SELECT PORTFOLIO SERVICING, INC. Contact Phone No: (888) 349-8955 Address: 3217 S. Decker Lake Dr., Salt Lake City, UT 84119 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $288,172.13, 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 March 13, 2026. The defaults referred to in Paragraph III must be cured by March 2, 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 March 2, 2026 (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 2, 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 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, SELECT PORTFOLIO SERVICING, INC. or Trustee to the Borrower and Grantor at the following address(es): ADDRESS OSCAR NERI 3921 NE 126TH AVE, VANCOUVER , WA 98682 ZOILA NERI 3921 NE 126TH AVE, VANCOUVER , WA 98682 by both first class and certified mail on April 10, 2025, 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 April 9, 2025 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 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 Washington State Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) Website: https://www.homeownership-wa.org/ The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 Website: https://answers.hud.gov/housingcounseling/s/?language=en_US The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Toll-free: 1-800-606-4819 Website: https://nwjustice.org/home Dated: October 30 , 2025 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 118424, Pub Dates: 02/12/2026, 03/05/2026, CAMAS-WASHOUGAL POST-RECORD No. 1076760 - Feb. 12, March 5