NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. ROSETTA MCCOWAN/Rosetta McCowan, does not give consent or jurisdiction to any UNITED STATES GOVERNMENT or UNITED STATES GOVERNMENT AGENT signing for any documents. Any conceived consent to signed for correspondence on 12/18/2023 at [7569 Macfinley Way, Sacramento California [95828], was done under stress, duress, and coercion. ROSETTA MCCOWAN/Rosetta McCowan, has not abandoned any constitutional or treaty rights. ‘The 90-day foreclosure process as required by FANNIE MAE in the STATE OF CALIFORNIA has not been abandoned, Any and all offers misconstrued as mail does not give consent or jurisdiction and is void ab initio, This is in effect nunc pro tunc. 7 : ox neue chronos:_|2-//¥/ 202. Attachment: December 6, 2023, documents first received on 12/12/2023. NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST = ENGLISH PAGES ONLY from QUALITY HOME LOAN SERVICE CORPORATION a subsidiary of NATIONSTAR LLC. All Rights and Liberties Exercised at this time and all times. ALL Rights or Reserved Rights pursuant to the Constitution for the United States of America 1789/1791 and the United States Codes, Title 18, Part |, Chapter 13, Section 241 and Section 242.ezess anysoa! 1 so Se 2 Teel josey Lb6°P0s aovisoasn 5‘Quality Loan Service Corp. Return Mail Processing 2763 Camino Del Rio S., Ist FL San Diego, CA 92108 7% Soo 3372 LaLa HVE AOU AE 08 CA-23-968955-AB ROSETTA MCCOWAN ‘7569 MacFinley Way, Sacramento, CA 95828, WALT Tes7i286this page intentionally 16!Recording Requested By: Quality Loan Service Corporation 2763 Camino Del Rio South San Diego, CA 92108 ‘When Recorded Mail to: Quality Loan Service Corporation 2763 Camino Del Rio South San Diego, CA 92108 619-645-7711 {MN Sacramento County Donna Allred, Clerk/Recorder Doc# 202312061040 Fees 1216/2023 2:43:34 PM Taxes Jen Electronic, PCOR Titles 1 Paid Pages 6 NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST TS No.: CA-23-968955-AB TITLE OF DOCUMENT $110.00 $0.00 $0.00 $110.00‘APN No.: 051-0394-003-0000 Recording requested by: Quality Loan Service Corp ‘When corded mai: Quality Loan Service Corporation 2763 Camino Del Rio South San Diego, CA 92108 TS No: CA-23-568955-AB ‘Space above Wik Une fr Records Order No.: FIN-23007256 Property Address: 7569 MACFINLEY WAY, SACRAMENTO, CA 95828 IMPORTANT NOTICE NOTICE OF DEF, ‘T AND ELECTION TO SELL. UNDER DEED OF TRUST NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVIDED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code § 2923.3) E ANHAS—MEBRE SOAS: 2 AS BAO] Be 27} SLICp pane i NOTA: SE ADJUNTA UN RESUMEN DE LA INFORMACION DE ESTE. DOCUMENTO TALA: MAYROONG BUOD NG IMPORMASYON SA DOKUMENTONG ITO NA NAKALAKIP LUU Y: KEM THEO DAY LA BAN TRINH BAY TOM LUQC VE THONG TIN TRONG TAI LIEU NAY IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have the legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which is normally five business days prior to the date set for the sale of your property. No sale date may be set until approximately 90 days from the date this Notice of Default may be recorded (which date of recordation appears on this notice). This amount is $26,999.39 as of 12/6/2023 and will increase until your account becomes current. While your property is in foreclosure, you still must pay other obligations (such as insurance and taxes) required by your note and deed of trust or mortgage. If you fail to make future payments on the Joan, pay taxes on the property, provide insurance on the property, or pay other obligations as required in the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your account in good standing. In addition, the beneficiary or mortgagee may require as a condition ofTS No.: CA-23-968955-AB reinstatement that you provide reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums. Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made, However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice of sale is posted (which may not be earlier than three-months after this Notice of Default is recorded) to, among other things, (1) provide additional time in which to cure the default by transfer of the property or otherwise; or (2) establish a schedule of payments in order to cure your default; or both (1) and (2), Following the expiration of the time period referred to in the first paragraph of this notice, unless the obligation being foreclosed upon or a separate written agreement between you and your creditor permits a longer period, you have only the legal right to stop the sale of your property by paying the entire amount demanded by your creditor. To find out the amount you must pay, or arrange for payment to stop the foreclosure, or if your property is in foreclosure for any other reason, contact: Nationstar Mortgage LLC C/O QUALITY LOAN SERVICE CORPORATION 2763 Camino Del Rio S ~ ~~ -San Diego, €4:92108-— —~-—-—— - —— g-- 619-645-7711 If you have any questions, you should contact a lawyer or the governmental agency which may have insured your loan. Notwithstanding the fact that your property is in foreclosure, you may offer your property for sale provided the sale is concluded prior to the conclusion of the foreclosure. Remember, YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE PROMPT ACTION. i NOTICE IS HEREBY GIVEN: That the undersigned is either the original trustee, the duly appointed substituted trustee, or acting as agent for the trustee or beneficiary under a Deed of Trust dated 9/25/2014, executed by Rosetta McCowan an unmarried woman, as Trustor, to secure certain obligations in favor of Mortgage Electronic Registration Systems, Ine., as beneficiary, as nominee for Homeward Residential, Inc., its successors and assigns, as beneficiary, recorded 9/30/2014, as Instrument No. xxx, in Book 20140930 Page 0500 of Official Records in the Office of the Recorder of SACRAMENTO County, California describing land therein: as more fully described in said Deed of Trust, Said obligations including 1 NOTE(S) FOR THE ORIGINAL sum of $189,300.00, that the beneficial interest under such Deed of Trust and the obligations secured thereby are presently held by the beneficiary; that a breach of, and default in, the obligations for which such Deed of Trust is security has occurred in that payment has not been made of: The installments of principal and interest which became due on 5/1/2022, and all subsequent installments of principal and interest through the date of this(age 2 of a5) Borrower(s}: ROSETTA MCCOWAN Propenty Ades: 7569 MACFINUEY WAY SACRAMENTO, CA 95828 ‘Trustee's Sle No. ‘CALIFORNIA DECLARATION OF COMPLIANCE (CAL. CIV. CODE § 2923.55) ‘Tho undecsigned, as an authorized agent oremployce of the below morgage servicer, declares as follows: 1. [1 The morgege sevice has contacted the borrower to assess the borrowers fnencal situation and explore options forthe borer to avid foreclosure as requzed by California Civil Code § 2823.53(0N2). Thisty days have passed since the inal eontact wes made. 2 (X] The morgage servicer has tried! with de diligence to contact the bonower as required by California Civil Code §2923.55(0 bathas not made contact despite such due diligence, Thirty hays have passed sincs these dn diligence efforts were satisted. 3. {No contact was required because the indiviuel did uot meet the definition of “oorower” ‘nder California Civil Code § 2920.50). 4. [__] The requirements of California Civil Code § 2923.55 do not apply because the loan is not secured by a first lien mortgage or deed of trust on “owner-occupied” or qualifying tenent-occupied ‘residential real property as defined by California Civil Code § 2924.15. ‘Additionally, prsuant to California Civil Code § 3273.10: 1. (1 Therequirements of Calforia Civil Cote § 3773.10 donot aply because the borrower has not requested forbearance relate to a COVID-19 hardship. 2 [XJ The requirements of California Civil Code § 3273.10 do not apply because the ‘mortgage servicer has net denied the borrower a forbearance request on or after 8/31/2020. 3. [] The requirements of California Civil Code § 3273.10 donot spply because the mortgage or deed of trust is ot secured by residential property containing four dwelling units oles. 4. [] The requirements of California Civil Code § 3773.10 donot apply because the borrower was not ‘current on payment as of 21/2020. 5. [ ] Themortgage servicer has denied the bosrower a forbearance request on or after 8/31/2020, and a forbearance was not subsequently provided. A copy ofthe denial noice is attched. 6. [ 1 The morgage servicer has deniod the borrower a forbearance request on ot after 8/31/2020, owever, a forbearance was subsequently provided. A copy of the initial denial noice is attached. 7. [1 The morgage servicer is in compliance with California Civil Code § 3273.10 because the -mortgage servicer has complied withthe relevant provisions regarding forbearance in Section 4022 of the federal Coronavirus Aid, Relief, and Beonomic Security Act (the CARES Act) (Public Law 116-136), including any amendments or revisions to those provisions, pursuant to California Civil Code § 3273.10(€).(wage 2 of 25) [certify that this declaration is sccurate, complete, and supported by competent and reliable evidence ‘which the mortgage servicer has reviewed to substantiate the borrower's default and the right to foreclose, {including the borrower's loan status and loan information. Natontar Monge LLC avi: 0-12-33 Mt Opu-o Siti of Agent or Employes Feleooe Davis - Doc Bx Associate ‘Printed Name of Agect or in ATTACHMENT TO NOTICE OF DEFAULT‘Trustee Sale Number: CA-23-968955-AB. NOTICE OF DEFAULT SUMMARY OF KEY INFORMATION The attached notice of default was sent to Rosetta McCowan an unmarried woman, in relation to 7569 MACFINLEY WAY, SACRAMENTO, CA 95828. This property may be sold to satisfy your obligation and any other obligation secured by the deed of trust or mortgage that is in default, Rosetta McCowan an unmarried woman has, as described in the notice of default, breached the mortgage or deed of trust on the property described above. IMPORTANT NOTICE: IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have the legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which is normally five business days prior to the date set for the sale of your property. No sale date may be set until approximately 90 days from the date the attached notice of default may be recorded (which date of recordation appears on the notice). This amount is $26,999.39 as of 12/6/2023 and will increase until your account becomes current. : While your property is in foreclosure, you still must pay other obligations (such as insurance and taxes) required by your note and deed of trust or mortgage. If you fail to make future payments on the loan, pay taxes on the property, provide insurance on the property, or pay other obligations. as required in the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your account in good standing. In addition, the beneficiary or mortgagee may require as a condition to reinstatement that you provide ‘reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums. Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made. However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice of sale is posted (which may not be earlier than three months after this notice of default is recorded) to, among other things, (1) provide additional time in which to cure the default by transfer of the property or otherwise; or (2) establish a schedule of payments in order to cure your default; or both (1) and @). Following the expiration of the time period referred to in the first paragraph of this notice, unless the obligation being foreclosed upon or a separate written agreement between you and your creditor permits a longer period, you have only the legal right to stop the sale of your property by paying the entire amount demanded by your creditor. To find out the amount you must pay, or to arrange for payment to stop the foreclosure, or if your property is in foreclosure for any other reason, contact: Civil Code Section 2923.3(6)(2) (Revised 01/21)‘Trustee Sale Number: CA-23-968955-AB Nationstar Mortgage LLC GIO QUALITY LOAN SERVICE CORPORATION 2763 Camino Del Rio S ‘San Diego, CA 92108 819-645-7711 If you have any questions, you should contact a lawyer or the governmental agency which may have insured your loan. Notwithstanding the fact that your property is in foreclosure, you may offer your properly for sale, provided the sale is concluded prior to the conclusion of the foreclosure. Remember, YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE PROMPT ACTION. If you would like additional copies of this summary, you may obtain them by calling 619- 645-7744. Civil Code Section 2923.3(c)(2) (Revised 01/21)