NOTICE OF TRUSTEE'S SALE

NOTICE OF TRUSTEE’S SALE

TS #: 24-69149

Title Order #: 3105505

Grantor: MICKIE J. DIAL, AN UNMARRIED PERSON

Current beneficiary of the deed of trust: Freedom Mortgage Corporation

Current trustee of the deed of trust: North Star Trustee, LLC

Current mortgage servicer for the deed of trust: Freedom Mortgage Corporation

Reference number of the deed of trust: 6701972

Parcel Number(s): 26163.0121

I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, North Star Trustee, LLC will on 11/8/2024, at 10:00 AM at the South entrance Spokane County Courthouse, 1116 W Broadway, Spokane, WA 99260 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 Spokane, State of Washington, to-wit:

LOT 21, BLOCK 1, FAIRWAY ADDITION, ACCORDING TO PLAT RECORDED IN VOLUME 10 OF PLATS, PAGE 96, IN SPOKANE COUNTY, WASHINGTON.

Commonly known as:

7408 WEST JOHANNSEN AVENUE

NINE MILE FALLS, WASHINGTON 99026

which is subject to that certain Deed of Trust dated 4/24/2018, recorded 4/25/2018, as Instrument No. 6701972, The subject Deed of Trust was modified by Loan Modification Agreement recorded as Instrument 6999042 and recorded on 11/23/2020 and further modified by Loan Modification Agreement recorded as Instrument 7299782 and recorded on 8/02/2023. records of Spokane County, Washington, from MICKIE J. DIAL, AN UNMARRIED PERSON, as Grantor(s), to FIRST AMERICAN TITLE, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc. (“MERS”), as designated nominee for MANN MORTGAGE, LLC DBA HERITAGE HOME LOANS, beneficiary of the security instrument, its successors and assigns, as Beneficiary, the beneficial interest in which was assigned to Freedom Mortgage Corporation, under an Assignment recorded under Auditor’s File No. 6832632.

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.

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:

PAYMENT INFORMATION

FROM THRU NO.PMT AMOUNT TOTAL

9/1/2023 07/18/2024 11 $2,391.51 $26,306.61

Corporate Advances: $3,062.77

LATE CHARGE INFORMATION

TOTAL LATE CHARGES TOTAL

$495.71

PROMISSORY NOTE INFORMATION

Note Dated: 4/24/2018

Note Amount: $294,467.00

Interest Paid To: 8/1/2023

Next Due Date: 9/1/2023

IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $276,819.26, together with interest as provided in the note or other instrument secured from 8/1/2023, 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 11/8/2024. The default(s) referred to in Paragraph III must be cured by 10/28/2024, (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 10/28/2024 (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 10/28/2024 (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 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:

NAME ADDRESS

KAYLA KERNS 7408 W JOHANNSEN AVE

NINE MILE FALLS, WA 99026

KAYLA KERNS 7408 W JOHANNSEN AVE

NINE MILE FALLS, WA 99026-9240

KAYLA KERNS 7408 WEST JOHANNSEN AVENUE

NINE MILE FALLS, WA 99026

MICKIE J. DIAL 7408 W JOHANNSEN AVE

NINE MILE FALLS, WA 99026

MICKIE J. DIAL 7408 W JOHANNSEN AVE

NINE MILE FALLS, WA 99026-9240

MICKIE J. DIAL 7408 WEST JOHANNSEN AVENUE

NINE MILE FALLS, WA 99026

by both first class and certified mail on 6/3/2024, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served 6/3/2024, 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. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060.

THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME.

You have only until 90 calendar days BEFORE the date of sale listed in this Notice of Trustee Sale to be referred to mediation. If this is an amended Notice of Trustee Sale 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 this 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 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: 1-877-894HOME (1-877-894-4663)

Web site: http://www.dfi.wa.gov/consumers/homeownership/

The United States Department of Housing and Urban Development: Telephone: 1-800-569-4287

Web site: http://portal.hud.gov/hudportal/HUD

The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys

Telephone: 1-800-606-4819 Web site: http://www.ocla.wa.gov/

This office is enforcing a security interest of your creditor. To the extent that your obligation has been discharged by a bankruptcy court or is subject to an automatic stay of bankruptcy, this notice is for informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.

DATED: 07/06/2024

North Star Trustee, LLC, as Trustee

Lisa Hackney, Vice President of Trustee Operations

Address for service:

North Star Trustee, LLC

6100 219th ST SW, Suite 480

Mountlake Terrace, Washington 98043

Trustee Phone No: (206) 866-5345

Trustee Fax No: (206) 374-2252

Beneficiary / Servicer Phone: 317-537-3821

STATE OF WASHINGTON      )

                                             ) ss.

COUNTY OF SNOHOMISH )

I certify that I know or have satisfactory evidence that Lisa Hackney is the person who appeared before me, and said person acknowledged that (he/she) signed this instrument, on oath stated that (he/she) was authorized to execute the instrument and acknowledged it as the Vice President of Trustee Operations of North Star Trustee, LLC to be the free and voluntary act of such party for the uses and purposes mentioned in the instrument.

Dated: 07/06/2024

Jasmine Turner

NOTARY PUBLIC in and for the State of Washington, residing at Everett, Washington

My commission expires 3/14/2028

EPP 40594 Pub Dates 10/04 & 10/25/2024