Notice of Trustee's Sale NOTICE OF TRUSTEE'S SALE Grantor: JOEL M. ROBERTSON Current Beneficiary of the deed of trust: UMPQUA BANK Current Trustee of the deed of trust: STEWART TITLE Current mortgage servicer of the deed of trust: UMPQUA BANK Reference number of the deed of trust: 2015-019242 Parcel number(s): 1-0197-411-0000-007 I. NOTICE IS HEREBY GIVEN that the undersigned Successor Trustee, NANCY K. CARY, will on September 5, 2025, at the hour of 11:00 a.m. at the front of the Benton County Justice Center, 7122 W. Okanogan Place, Bldg. A, Kennewick, Washington, 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 Benton, State of Washington, to-wit: Lot 7, Sunset Ridge III, Phase 2, according to the Plat thereof recorded in Volume 15 of Plats, Page 487, records of Benton County, Washington which is subject to that certain Deed of Trust described as follows: Dated: June 29, 2015 Recorded: July 2, 2015 Recording No.: 2015-019242 Records of: Benton County, Washington Trustee: STEWART TITLE Successor Trustee: NANCY K. CARY Beneficiary: UMPQUA BANK Assigned From: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Assignment Recorded as Recording No.: 2025-004142 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 defaults for which this foreclosure is made are as follows: Failure to pay when due the following amounts which are now in arrears: Monthly payments in the amount of $2,117.14 each, due the first of each month, for the months of March 2024 through July 2024; plus monthly payments at the new payment amount of $2,223.51 each, due the first of each month, for the months of August 2024 through April 2025; plus late charges in the amount of $84.69 each, assessed the sixteenth of each month, for the months of March 2024 through March 2025; plus advances; plus any unpaid real property taxes, plus interest. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal balance of $278,263.11, together with interest as provided in the note or other instrument secured from February 1, 2024, 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 September 5, 2025. The Default(s) referred to in paragraph III must be cured by August 25, 2025, to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before August 25, 2025, the defaults as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after August 25, 2025, 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: Joel M. Robertson 6535 Cobalt Drive West Richland, WA 99353 by both first class and certified mail on February 27, 2025, proof of which is in the possession of the Trustee; and Borrower and Grantor were personally served on March 2, 2025, 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 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. 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 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. 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: 1-877-894-4663, Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development, Telephone: 1-800-569-4287, Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListActon=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys, Telephone: 1-800-606-4819, Web site: http://nwjustice.org/what-clear DATED: April 3, 2025. /s/ Nancy K. Cary ADDRESS FOR SERVICE OF PROCESS: NANCY K. CARY, Successor Trustee NANCY K. CARY, Trustee Hershner Hunter, LLP Law Offices PO Box 1475 1223 Commercial Street Eugene OR 97440 Bellingham WA 98225 Telephone: (541) 686-0345 Telephone: (360) 715-1218 TS #30057.31781 Any questions regarding this matter should be directed to Lisa M. Summers, Paralegal, at (541) 686-0344. FAIR DEBT COLLECTION PRACTICES ACT NOTICE This communication is from a debt collector. IPL0258411 Aug 6,27 2025