Legals January 5, 2013

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 04/29/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 12/13/2006 as Instrument Number 2072170000, and executed by CHRIS CUMMINGS AND KELLI CUMMINGS, HUSBAND AND WIFE, as Grantor(s), in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Beneficiary, to RECONTRUST COMPANY, N.A., the Current Trustee of record, covering the following real property located in Kootenai County, State of Idaho: LOT 9, BLOCK 3, CANFIELD PARK, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK "G" OF PLATS, PAGE 283, RECORDS OF KOOTENAI COUNTY, IDAHO. The Trustee has no knowledge of a more particular description of the above referenced real property, but for purpose of compliance with Idaho Code, Section 60-113, the Trustee has been informed that the street address of, 4281 NORTH DEERFIELD DRIVE, Coeur D Alene, ID, 83815 is sometimes associated with said real property. Bidders must be prepared to tender the trustee the full amount of the bid at the sale in the form of cash, or a cashier's check drawn on a state or federally insured savings institution. Said sale will be made without covenant or warranty, express or implied, regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in that certain Deed of Trust. The default for which this sale is to be made is: Failure to pay the monthly payment due 12/01/2011 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 5.125% per annum; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said Deed of Trust, and any supplemental modifications thereto. The principal balance owing as of this date on said obligation is $278,276.48, plus interest, costs and expenses actually incurred in enforcing the obligations thereunder and in this sale, together with any unpaid and/or accruing real property taxes, and/or assessments, attorneys' fees, Trustees' fees and costs, and any other amount advanced to protect said security, as authorized in the promissory note secured by the aforementioned Deed of Trust. Therefore, the Beneficiary elects to sell, or cause said trust property to be sold, to satisfy said obligation. NOTICE IS HEREBY GIVEN THAT THIS FIRM IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, AND THAT THE DEBT MAY BE DISPUTED. THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH SECTION 45-1506(4)(a) IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. DATED: 12/20/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 12-0044287 FEI # 1006.160160 Legal 7729 January 5, 12, 19, 26, 2013

2013 ANNUAL ACTION PLAN REQUEST FOR PUBLIC COMMENT & NOTICE OF PUBLIC HEARING Esta solicitud de comentario p?blico y notificaci\u00DBn de audiencia p?blica est\u00B7 disponible en espa\u00D2ol en la p\u00B7gina web http://www.idahohousing.com/ihfa/grant-programs/plans-and-reports.aspx The Idaho Housing and Finance Association, in partnership with the Idaho Department of Commerce, seeks public comment regarding the 2013 Annual Action Plan for Idaho's Affordable Housing and Community Development programs. This report is drafted to meet HUD's reporting requirements. The Public Comment period will begin 8 a.m. January 7, 2013 and end 5 p.m. February 6, 2012.A Public Hearing to receive oral and written comments will be held in Boise on January 28, 2013 from 4:30-5:30pm at the Park Plaza, 565 West Myrtle. The draft Plan is available at: http: http://www.idahohousing.com/ihfa/grant-programs/plans-and-reports.aspx and www.community.idaho.gov; Public Libraries in Boise, Nampa, Coeur d'Alene, Lewiston, Moscow, Twin Falls, Idaho Falls, Pocatello and Blackfoot; IHFA-Branch offices: 506 S. Woodruff, Idaho Falls; 1139 Falls Ave. E., Ste. B, Twin Falls; 215 10th St., Ste. 101, Lewiston; 610 W. Hubbard, and Bay 124, Coeur d'Alene. The location of the public hearing is accessible to persons with physical disabilities. IHFA considers all requests for reasonable accommodation. Requests for reasonable accommodation (including language interpretation and/or special assistance to accommodate a disability) should be submitted using the contact information below. Requests must be submitted at least five (5) working days prior to the public hearing. Call 1-877-4GRANTS (447-2687) or TDD (800) 545-1833 ext. #400 for more information. Submit written comments to: CDBG Program- Dennis Porter (IDC) dennis.porter@community.idaho.gov ; fax: 208.334.2631; Department of Commerce- P.O. Box 83720, Boise, ID 83720-0093. HOME and ESG Programs- jerik@ihfa.org; mail to: IHFA- Grants Programs, P.O. Box 7899, Boise, ID 83707-1899; or TDD 1.800.545.1833 Ext. 400. Legal 7730 January 5, 19, 2013

Idaho Housing and Finance Association A Notice of Funding Availability For Eligible Multi-Family Rental Project Applications Notice is hereby given by Idaho Housing and Finance Association of the availability of HOME Investment Partnership Program (HOME) funds for eligible Multi-Family Rental Housing activities located in Idaho. HOME Funding awards will based on the competitive scoring application process as identified in the 2012 HOME Administrative Plan. Applications must be received no later than 5:00 p.m., February 15, 2013. Mail or hand-deliver to: IHFA Grants Department-HOME Program, P. O. Box 7899, Boise, ID, 83707-1899; 565 W. Myrtle, Boise Idaho. Multi-Family Rental Application Funding Categories: Approximately $1million- HOME/LIHTC project applications; Approximately $2 million- HOME (no LIHTC) applications. Applicants must be organized as a business entity with the State of Idaho as a non-profit housing development organization, private housing developer, or unit of local government. HOME multi-family rental application available at: http://www.idahohousing.com/ihfa/multifamily-housing/low-income-housing-tax-credits-lihtc.aspx HOME application scoring matrix with assigned points available at http://www.idahohousing.com/ihfa/grant-programs/home-program/nofa.aspx 2012 HOME Administrative Plan available at http://www.ihfa.org/ihfa/grant-programs/home-program/2012-home-administrative-plan.aspx For additional information, contact 1-877-4GRANTS (447-2687), TDD (800) 545-1833 or jerik@ihfa.org Legal 7694