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1 James F. Lewin (SBN 140268)
Matthew T. Sanford (SBN 336883)
2 THE MORTGAGE LAW FIRM, PLC
27368 Via Industria, Suite 201
3 Temecula, California 92590
Telephone: (619) 465-8200
4 Facsimile: (951) 225-4073
james.lewin@mtglawfirm.com
5 matt.sanford@mtglawfirm.com
TS #167794
6
Attorneys for Plaintiff,
7 MATRIX FINANCIAL SERVICES CORPORATION
8
9 SUPERIOR COURT OF THE STATE OF CALIFORNIA
10 FOR THE COUNTY OF RIVERSIDE
11
12 MATRIX FINANCIAL SERVICES Case No.
CORPORATION,
13 VERIFIED COMPLAINT FOR:
Plaintiff, 1) REFORMATION AND
14 2) DECLARATORY RELIEF
vs.
15
THE TESTATE AND INTESTATE
16 SUCCESSORS OF CARLA M. ELLIS,
DECEASED, AND ALL PERSONS
17 CLAIMING BY, THROUGH, OR UNDER
SUCH DECEDENT;
18
ALL PERSONS UNKNOWN, CLAIMING
19 ANY LEGAL OR EQUITABLE RIGHT,
TITLE, ESTATE, LIEN, OR INTEREST IN
20 THE PROPERTY DESCRIBED IN THE
COMPLAINT ADVERSE TO PLAINTIFF’S
21 TITLE, OR ANY CLOUD UPON
PLAINTIFF’S TITLE;
22
and DOES 1 through 50, inclusive,
23
Defendants.
24
25
Plaintiff, MATRIX FINANCIAL SERVICES CORPORATION, alleges as follows:
26
JURISDICTION AND VENUE
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VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 1. The real property which is the subject of this complaint is commonly known as 1011
2 E. California Ave., Blythe, CA 92225, bearing Assessor’s Parcel Number 857-084-005 (the
3 “Property”). Venue of this action is therefore proper in this county pursuant to California Code of
4 Civil Procedure § 392.
5 2. At all relevant times MATRIX FINANCIAL SERVICES CORPORATION
6 (“Plaintiff”), was authorized to conduct business in the State of California.
7 3. 3. Pursuant to Code of Civil Procedure § 762.030, Plaintiff names as a
8 Defendant THE TESTATE AND INTESTATE SUCCESSORS OF CARLA M. ELLIS,
9 DECEASED, AND ALL PERSONS CLAIMING BY, THROUGH, OR UNDER SUCH
10 DECEDENT.
11 4. Plaintiff is informed and believes and based thereon alleges that Carla M. Ellis is a
12 deceased individual who died on or about December 28, 2022. A true and correct copy of the State
13 of California Certification of Vital Record Certificate of Death for Carla Marie Ellis is attached
14 hereto as Exhibit “A” and incorporated herein by reference.
15 5. Plaintiff knows of no personal representative for Carla M. Ellis.
16 6. Plaintiff is informed and believes and based thereon alleges that the defendant’s
17 named herein as “ALL PERSONS UNKNOWN, CLAIMING ANY LEGAL OR EQUITABLE
18 RIGHT, TITLE, ESTATE, LIEN, OR INTEREST IN THE PROPERTY DESCRIBED IN THE
19 COMPLAINT ADVERSE TO PLAINTIFF’S TITLE, OR ANY CLOUD UPON PLAINTIFF’S
20 TITLE” (sometimes referred to as “UNKNOWN DEFENDANT(S)”) are unknown to Plaintiff. The
21 UNKNOWN DEFENDANTS, and each of them, claim some right, title, estate, lien, or interest in
22 the Subject Property adverse to Plaintiff’s title and their claims, including any person who may
23 claim an interest via intestate.
24 7. Plaintiff is informed and believes and based thereon alleges that Plaintiff is ignorant
25 of the true names and capacities of defendants sued herein as DOES 1 through 50 and therefore sue
26 those defendants by such fictitious names. Plaintiff is informed and believes and thereon alleges,
27 that, at all relevant times, each defendant, including DOES 1 through 50, was the agent, partner,
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VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 joint venturer, co-conspirator, servant and employee of each other defendant, who, while acting,
2 omitting to act, representing, misrepresenting, concealing and conspiring was acting both for his, her
3 or its individual benefit and advantage as well as acting, omitting to act, representing,
4 misrepresenting, concealing and conspiring for the benefit of some or all of the other defendants,
5 within the scope of said employment, agency, joint venture, partnership, and conspiracy and with the
6 knowledge, consent, approval, permission and ratification of the other defendants and each of them.
7 Plaintiff will amend this verified complaint to allege their true names when ascertained. Plaintiff is
8 informed and believes and based thereon alleges that each of the fictitiously named defendants claim
9 some right, title, estate lien, or interest in the Subject Property adverse to Plaintiff’s title and their
10 claims, and each of them constitute a cloud on Plaintiff’s title to the Subject Property.
11 8. Plaintiff is informed and believes and based thereon alleges, that at all times
12 mentioned herein each of the defendants named herein was and is now, the agent, servant, and/or
13 employee of the other defendants herein and each of them, and in doing or omitting to do the acts
14 and things herein, was acting within the course and scope of said agency, service and/or
15 employment, and/or that all of said acts and/or omissions were authorized and/or ratified by said co-
16 defendants, and/or were done with their knowledge and/or consent.
17 9. The real property which is the subject matter of this action known as the Property is
18 legal described as follows:
19 LOT 14 OF NORTH PARK, IN THE CITY OF BLYTHE, COUNTY OF RIVERSIDE,
20 STATE OF CALIFORNIA, AS SHOWN BY MAP ON FILE IN BOOK 52 PAGE 64 OF
21 MAPS COUNTY RECORDS.
22 Assessor’s Parcel Number: 857-084-005
23 GENERAL ALLEGATIONS
24 10. Plaintiff is informed and believes and thereon alleges that George R. Ellis and Carla
25 M. Ellis, husband and wife as joint tenants, acquired title to the Property via a Grant Deed (“Grant
26 Deed”), dated July 3, 2013, and recorded on July 11, 2013, in the Official Records of the County of
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VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 Riverside, State of California as Document No. 2013-0335481 (“Grant Deed”). A true and correct
2 copy of the Grant Deed is attached hereto as Exhibit “B” and is incorporated herein by reference.
3 11. On or about, On or about June 10, 2021, an Affidavit-Death of Joint Tenant was
4 recorded in the Official Records of the County of Riverside, California, as Instrument No. 2021-
5 0353155 under which all rights, title and interest of the Property vested to Ellis. A true and correct
6 copy of the Affidavit-Death of Joint Tenant is attached hereto as Exhibit “C” and incorporated
7 herein by reference.
8 12. Plaintiff is informed and believes and thereon alleges that on or around August 23,
9 2021, Carla M. Ellis, Surviving Joint Tenant, obtained a loan in the amount of $154,200.00, and
10 secured the loan by executing a Deed of Trust in favor of Mortgage Electronic Registration Systems,
11 Inc., solely as nominee for Global Equity Finance, Inc., as beneficiary, which was recorded on
12 September 9, 2021, in the Official Records of the County of Riverside, State of California as
13 Document No. 2021-0537059 (“Subject DOT”). A true and correct copy of the Deed of Trust is
14 attached hereto as Exhibit “D” and is incorporated herein by reference.
15 13. On or about, On or about June 22, 2023, an Assignment of Deed of Trust was
16 recorded in the Official Records of the County of Riverside, California, as Instrument No. 2023-
17 0179128 under which all rights, title and interest under the Subject DOT was assigned to Plaintiff.
18 A true and correct copy of the Assignment of Deed of Trust is attached hereto as Exhibit “E” and
19 incorporated herein by reference.
20 14. Plaintiff is informed and believes and thereon alleges that through mistake, error
21 and/or inadvertence, the property address listed on the Subject DOT is erroneously listed as “1011 E
22 California St, Blythe, CA 92225”, instead of the correct address “1011 E California Ave, Blythe, CA
23 92225”.
24 FIRST CAUSE OF ACTION
25 REFORMATION OF DEED OF TRUST
26 (Against All Defendants, and DOES 1 through 50, Inclusive)
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VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 15. Plaintiff re-alleges and incorporates herein by reference paragraphs 1 through 14,
2 inclusive, as though fully set forth below.
3 16. Plaintiff seeks to reform the Subject DOT to reflect the true intent of the parties by
4 correcting the property address from “1011 E California St, Blythe, CA 92225”, instead of the
5 correct address “1011 E California Ave, Blythe, CA 92225”.
6 17. “When through fraud or a mutual mistake of the parties or a mistake of one party
7 which the other at the time knew or suspected a written contract does not truly express the intention
8 of the parties it may be revised on the application of a party aggrieved so as to express that intention
9 so far as it can be done without prejudice to rights acquired by third persons, in good faith and for
10 value. (Cal. Civ. Code § 3399.)
11 18. Reformation is not limited to the original parties to a written instrument but to any
12 aggrieved parties. (Hart v. Walton (1908) 9 Cal App 502, 507, 508.)
13 19. Plaintiff is an aggrieved party as due to the mistaken property address as it is unable
14 to exercise its power and sale to proceed with a nonjudicial foreclosure of the Subject DOT which is
15 in default.
16 20. Plaintiff is informed and believes and based thereon alleges that the failure of the
17 Subject DOT to reflect the true intent of the parties thereto resulted from a mutual mistake in that the
18 parties intended the Subject DOT to include and/or identify the correct property address, for the
19 Property. To reflect the true intent of the parties thereto, the Subject DOT should be reformed, nunc
20 pro tunc, as of August 23, 2021, to reflect the true intent of the parties thereto and include and/or
21 identify the correct property address, “1011 E California Ave, Blythe, CA 92225”, for the Subject
22 Property.
23 SECOND CAUSE OF ACTION
24 DECLARATORY RELIEF
25 (Against All Defendants, and DOES 1 through 50, Inclusive)
26 21. Plaintiff hereby incorporates by reference the allegations contained in paragraph 1
27 through 20, inclusive, above, as though fully set forth herein.
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5
VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 22. Plaintiff is informed and believes and based thereon alleges that an actual controversy
2 has arisen and now exists between Plaintiff and Defendants, and each of them.
3 23. Plaintiff is informed and believes and based thereon alleges that Defendants, and each
4 of them, dispute these contentions.
5 24. Plaintiff desires a judicial determination of its rights and interests in the Subject DOT,
6 as follows: reformation of the Subject DOT to reflect the true intent of the parties thereto and
7 identify the correct property address of “1011 E California Ave, Blythe, CA 92225”.
8 25. A judicial declaration is necessary and appropriate at this time under the
9 circumstances in order that Plaintiff may ascertain its rights, duties and interests in the Property to
10 avoid a multiplicity of actions.
11 PRAYER FOR RELIEF
12 WHEREFORE, Plaintiff prays for judgment against Defendants, and each of them, as
13 follows:
14 ON THE FIRST CAUSE OF ACTION
15 1. That the Subject DOT be reformed, nunc pro tunc, effective August 23, 2021, to
16 express the true intent of the parties thereto to include the correct property address of “1011 E
17 California Ave, Blythe, CA 92225”.
18 ON THE SECOND CAUSE OF ACTION
19 2. For a judicial determination of Plaintiff’s rights and duties, and a declaration
20 establishing that the Subject DOT be reformed, nunc pro tunc, effective August 23, 2021, to express
21 the true intent of the parties thereto to include the correct property address of “1011 E California
22 Ave, Blythe, CA 92225”.
23 ///
24 ///
25 ///
26 ///
27 ///
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6
VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 ON ALL CAUSES OF ACTION
2 3. For costs of suit incurred herein;
3 4. For such other and further relief as this Court may deem just and proper.
4
5 DATED: October 26, 2023 THE MORTGAGE LAW FIRM, PLC
6
7 BY:jfMM,L~
1 F.LEWIN
8
Attorneys for Plaintiff,
9 MATRIX FINANCIAL SERVICES
CORPORATION
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VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF
1 VERIFICATION
2
3 I am a/an 'S\JP jX.-fzLu \ {-.Sl-(YVt'~trix Financial Services Corporation
4 ("Plaintiff'') by RoundPoint Mortgage Servicing LLC FKA RoundPoint Mortgage Servicing
5 Corporation, its Attorney in Fact ("Servicer") and I am authorized to make this Verification for and
6 on its behalf.
7 I have read the forgoing VERIFIED COMPLAINT FOR: (1) REFORMATION AND (2)
8 DECLARATORY RELIEF and know the contents thereof.
9 The matters stated in the foregoing document are true of my own knowledge based upon a
10 review of plaintiff's business records except as to those matters which are stated on information and
11 belief, and as to those matters, I believe them to be true.
12 I declare under penalty of petjury under the laws of the State of California that the foregoing
13 is true and correct to the best of my knowledge information and belief.
14 Executed on Out\) 'our 1---4 ~~~~e City of ~ fV\.t ll , County of
15 '( oYL.-- ' State of Stu-~Ceut>l! ~
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1
VERIFICATION
EXHIBIT “A”
COUNTY OF RIVERSIDE
RIVERSIDE, CALIFORNIA
3052022309126 CERTIFICATE
StATE
OF DEATH
Of~
3202233020215
USEstAQ:NC ON..Y/~~MfTEOUTSMAlliRAJ10fiS
STATE FilE NUMBER
1.N.WEOFOECEDEHT-FII!St ~ l:tLASt(f"""'
CARLA IM'ARie ELLIS
~ AI~-w...-... ....-.1 1o&.CfTY
~c RIVERSIDE RIVERSIDE
..
I07.CAUSEOFDEATH Erlw1hlc:haoc(....U-·~ • ....,..Of~ 1!'111 d/dt
t.IIMd dell\. DO NOT I!I'W t~M'Nf evenlt weh lq~!ittwfwl 101.D£,ATMR£.PCJR!E)T0~
l!dMEDCATE ~USE
mr::wdlle~~/II'!Wl,or~ ......con~~r..~.OO:.OT~TE
~AClfTE HYPOXIC RESPIRATORY FAILURE
~n:o.=.
•IA'l
o,'ES OONO
_. ..... ~lo4"MMIO
~~:~ !HRS
_...,,...,
hdu:h)
~.Wpt.,......
illl SEPTIC SHOCK !18Tl
!DAYS
I,,BO'SYPEAfORM£0?
DYES (Rir«:>
~ O"'ll.lnliA.fnm ICl COMMUNITY ACQUIRED
. PNEUMONIA
.
!lOll 110, AUTOPSY PERFOfW£07
DYEs
..
U>T A!SULTWQ IHTHEUHDERLYINGC4USZ: CWEN ll 107
Qves DNO
CHRONIC OBSTRUCTIVE PULMONARY DISEASE . .
113. WASOPERATlON PERFORMED FOR /NY CONOmOHIN ITEM I070R '12?1f!yn, kt t p cfopemion WlddaU.)
NO j'[]':"iKj;':[j':.
114.1 CERTJn' THAl TO nt: MST OF M'fi'.NO'M..ECGE DfJ,•HOCQJP.SED
~~ I"~~·;;;;·ERl~~~~,;;;w
115.SKJtlATURE ANO lTJ1.£ OFCERTIFER
~
AT ~HatJ\o=.t£. NIJ Pl..ld STATEOfROMTHE c.avs£!1 StA.'"IO.
DletldMAt111\cttd~· DIUdl1l Lm &ftn Aa\'1 . ~ZERON GHAZARIAN, MD
10.
il IN
12/25/2022
~ <(8)
: 12/28/2022
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RIVE~WALK
110.1cmrFY11Wtrl.~~.~«e... etc.)
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~z
0 125.l.OCATlOH OF .,JURY (Sto-.e~ Md I'IUL"nbtt. or b:.r.ion,lltld dry. Md tip)
~
1~- SIG~TUAE OF CORONER I DEPUTY CORONER 127. DATE mtrlddlt:t.Y'I 12!.TYPE NAME. TTTLEOf CORONER /OEPUTYCORONER
•.r j
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STATE
Re:Ot$1RAA
f lc 0
r llllSIDIIIIIIIIPJ!.I!l!llllllilDIIHitiUIIIIIllllliml
FAX AliTH.I CENSUS TRACT
CERTIFIED COPY OF VITAL RECORD
111n 111 m1 ~11 11•1t~1 n11mrr:r~ 111
STATE OF CALIFORNIA }
COUNTY OF RIVERSIDE ss
This is a true and exact reproduction of the document officially registered and
i? 1/. *002162631*
placed on file by the Riverside University Health System,
Department of Public Heellfl. "'f-t..fi-'-J
iLJ
('"d-
DATE ISSUED J 8D 13,2023 Dr. G<>offrey Leung, M.D., Ed.M .• County Health OffJOer
RIVERSIDE COUNTY, CAUFDRNIA
;!'~~!.,i,s not valid unless prepared on an engraved border, displaying the date, seal, and signature of the Registrar.
EXHIBIT “B”
DOC # 2013-0335481
07/11/2013 01:44 PM Fees: $18.00
Page 1 of 2
PACIAC GOASTllfLE Celt1PAN"j Recorded in Official Records
County of Riverside
RECORDING REQUESTED BY: Larry W . Ward
Banker Direct Escrow Assessor, County Clerk & Recorder
Order
Escrow No.
Parcel No. A.P. No. 857-084-005-7
**This document was electronically submitted
to the County of Riverside for recording**
AND WHEN RECORDED MAIL TO:
Receipted by: ARIBAC
GEORGE R. ELLIS
1011 EAST CALIFORNIA STREET
BLYTIJE, CA 92225
SPACE ABOVE THIS LINE FOR RECORDER'S USE
GRANT DEED
~L rA
TilE UNDERSIGNED GRANTOR(S) DECLARE(S) THAT DOCUMENTARY TRANSFER TAX IS
0
0
computed on full value of property conveyed, or
computed on full value less liens or encumbrances remaining at the time of sale.
r·- CITY S
.,...,
0 unincorporated area: [8] Blythe, and
FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged,
George R. Ellis, an unmarried man
hereby GRANT(S) to
George R Ellis and Carla M. Ellis, husband and wife as joint tenants
the following described real property in the County of Riverside, State of California:
Lot 14 of north park, in the city of Blythe, county of Riverside, state of California, as shown by map on file in book .
52 page 64 of maps county records.
Date July 3, 2013
STATEOFCALIFORNIA }
Q . \ }S.S.
COUNTY OF lii..)f ~ ~; oe }
On ::f"u..\~ 5 J_ 0 I 3 , before me, FtaMc/S: 'L A t 1-f e.t ~ ;\2t'{a~ P~ ~( l <:.
personally aPIJeare'd GEORGE R. ELLIS who proved to me on the basis of satisfactory'evidence t<:bc the
person~ whose name(•) is/are subscribed to the within instrument and acknowledged to me that helsAefdrey
executed the same in hisllMrAhoir authorized capacity(~. and that by his/her/their signature(s) on the instrument
the person(l), or the entity upon behalf of which the person(•) acted, executed the instrument
I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is
true and correct
Mail Tax Statements to: SAME AS ABOVE or Address Noted Below
DOC #2013-0335481 Page 2 of 2 07/11/2013 01 :44PM
LEGAL DESCRIPTION
EXHffiiT "A"
THE lAND REFERRED TO HERBN BELOW IS SITUATED IN THE COUNTY OF RIVERSIDE, STATE OF
CAUFORNIA, AND IS DESCRIBED AS FOLLOWS:
LOT 14 OF NORTH PARK, IN THE CITY OF BLYTHE, COUNlY OF RIVERSIDE, STATE OF CAUFORNIA, AS
SHOWN BY MAP ON ALE IN BOOK 52 PAGE 64 OF MAPS COUNlY RECORDS.
EXHIBIT “C”
PUBLIC RECORD
--------
-·. -----
PLEASE COMPLETE THIS INFORMATION
RECORDING REQUESTED BY: 2021-0353155
06/10/2021 02:47 PM Fee; $ 33.00
Carla M. Ellis
Page 1 of 4
Recorded in Official Records
ANDWHEN'RECORDED MAIL TO: County of Riverside
Peter ~ldana
Assessor-County Clerk-Recorder
Carla M. Ellis
1011 East California
Blythe, CA 92225
1111 ~~rTt.~~~~~;t~~t.~trtlllll
Space above this line for recorder's use only
AFFIDAVIT-DEATH OF JOINT TENANT
857-084-005 Title of Document
TRA:_ _ _ _ _ __
DTT:_o_.oo_______________
Exemption reason declared pursuant to Government Code 27388.1
D This document is a transfer that is subject to the imposition of documentary transfer tax.
This is a document recorded in connection with a transfer that is subject to the imposition
D of documentary transfer tax.
Document reference: _ _ _ _ _ _ _ _ _ _ _ __
This document is a transfer of real property that is a residential dwelling to an owner-
occupier.
This is a document recorded in connection with a transfer of real property that is a
D residential dwelling to an owner-occupier.
Document reference: _ _ _ _ _ _ _ _ _ _ _ __
THIS PAGE ADDED TO PROVIDE ADEQUATE SPACE FOR RECORDING INFORMATION
{$3.00 Additional Recording Fee Applies)
ACR 23t\ (Rev. 01/2018) Available In Alternate Formals
DOC #2021-0353155 Page 2 of4
RECORDING REQUESTED BY AND
WHEN RECORDED MAIL TO:
Carla M. Ellis
1011 East California Street
Blythe, CA 92225
APN: 857-084-005
AFFIDAVIT-DEATH OF JOINT TENANT
State of California )
) ss.
County of Riverside )
Carla M . Ellis, of legal age, being first duly sworn, deposes and says:
That George Ronald Ellis, the decedent mentioned in the attached certified copy of
Certificate of Death is the same person as George R. Ellis, named as one of the parties in that
certain Grant Deed executed by George R. Ellis, an unmarried man to George R. Ellis and Carla
M. Ellis, husband and wife as Joint Tenants, and recorded as Instrument No. 2013-0335481 on
July 3, 2013, Official Record~ ofRiverside CoWlty, California, covering the following described
property situated in the City of Blythe, County of Riverside, State of California:
Lot 14 of north park, in the City ofBlythe, County of Riverside, State of California, as
shown by map on file in book 52 page 64 of maps county records.
<;, I0.3 ~ ·~~-~
Dated:
r CARLA M. ELLIS
. . DOC #2021-0353155 Page 3 of4
A notary public or other officer completing this certificate verifies only the identity of the individual who s igned the document to
which this certificate is attached, and not the truthfulness, accuracy, or validity uf that document.
State of California )
) ss.
County of Riverside )
Subscribed and sworn to (or affirmed) before me on this 3t& day of
jJJ )Nf: , 2021, by CARLA M. ELLIS, proved to me on the basis of satisfactory
evidence to be the person(s) who appeared before me.
~a f t ft f t -~
Szgnature • c c ft 0
KIM!IERLIE A. FOLEY
i
- . . Kotary Pub lit· c.tlfarnt•
1 lttwnldtt Ca= ' c!' ::m:·!:"':":']' :z:,
DQ¢.#2021-0353155 _Page 4 of 4
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EXHIBIT “D”
Stewart Title Guaranty Company DOC # 2021-0537059
09/09/2021 09:00AM Fees: $144.00
Recording Requested By: Page 1 of 16
Global Equity Finance, Inc. Recorded In Official Records
County of Riverside
Peter Aldana
And After Recording Return To: Assessor-County Clerk-Recorder
UNITED WHOLESALE MORTGAGE, LLC
585 SOUTH BOULEVARD E
PONTIAC, Ml 48341 "This document was elect ronically submitted
ATTN: POST NAGER to the County of Riverside for recording"
Loan Number: Receipted by· DEYANIRA #293
ORIGINAL
- - - - - - - - - - - - {Space #Jove This Une For Recording Deta) - - - - - - - - - - - -
DEED OF TRUST
MtN: _ _ _ _ __ MERS Phone: 888--679-6377
OEANITIONS
Words used in multiple sections of this document are defined below and other words are defined in Sections 3, II,
13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
, together
(A) "Security Instrument" means this document, which is dated AUGUST 23, 2021
with all Riders to this document.
(B} ''Borrower" is Carta M. Blis, Surviving Joint Tenant
BORROWER'S ADDRESS IS 1011 E California St, Blythe, California 92225.
Borrower is the trustor under this Security Instrument.
(C) ''Lender" is Global Equity Finance, Inc.
Lender is a CORPORATION organized
and existing under the laws of CALIFORNIA
Lender's address is 404 Camino Del Rio South Suite 300, San Diego, California 92108
(D) "Trustee" is David E. Fennell, Esq., Northwest Trustee Services
1241 East Dyer Road, Suite 250, Santa Ana, California 92705
(E) ''MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
solely as a nominee for Lender and Lender' s successors and assigns. MERS i1 the benefidary under thl.s Security
CALIFORNIA- Single Family -Fannie Maa'Freddle Mac UNIFORM INSTRUMENT - MERS
Form 3005 01/01 Pege 1 of 15
Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
(F) ''Note" means the promissory note signed by Borrower and dated AUGUST 23 , 2021
The Note states that Borrower owes Lender ONE HUNDRED FIFTY-FOUR THOUSAND TWO HUNDRED
AND 00/1 00 Dollars (U.S. $ 154,200.00 ) plus interest.
Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
SEPTEMBER 1, 2036
(G) ''Property" means the property that is described below under the heading "Transfer of Rights in the Property.''
(H) ''Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
the Note, and all sums due under this Security Instrument, plus interest.
(I) ''Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
to be executed by Borrower [check box as applicable]:
0 Adjustable Rate Rider D Planned Unit Development Rider
0 Balloon Rider D Biweekly Payment Rider
0 l-4 Family Rider D Second Home Rider
0 Condominium Rider D Other(s) [s pecify]
(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the effect of law) as we11 as all applicable final, non-appealable judicial
opinions.
(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
organization.
(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
telephone, wire transfers, and automated clearinghouse transfers.
(M) "Escrow Items" means those items that are described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in
lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
(P) ''Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note,
plus (ii) any amounts under Section 3 of this Security Instrument.
(Q) ''RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,
"RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally reLated mortgage loan"
even if the Loan does not quality as a "federally related mortgage Joan" under RESP A.
(R) ''Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that
party has assumed Borrower's obligations under the Note and/or this Security Instrument.
CALIFORNIA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3005 01/01 Page 2 of 15
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and
assigns) and the successors and assigns ofMERS. This Security Instrument secures to Lender: (i) the repayment of
the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's
covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants
and conveys to Trustee, in trust, with power of sale, the following described property located in the
COUNTY of RIVERSIDE
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
See Attached
A.P.N.: 857-084-005 S.EEEXHIBITA
which currently has the address of 1 011 E California St
[Street]
Blythe , California 92225 ("Property Address"):
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security
Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors
and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose
and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling
this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right
to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument cover
Preview
1 James F. Lewin (SBN 140268) Matthew T. Sanford (SBN 336883) 2 THE MORTGAGE LAW FIRM, PLC 27368 Via Industria, Suite 201 3 Temecula, California 92590 Telephone: (619) 465-8200 4 Facsimile: (951) 225-4073 james.lewin@mtglawfirm.com 5 matt.sanford@mtglawfirm.com TS #167794 6 Attorneys for Plaintiff, 7 MATRIX FINANCIAL SERVICES CORPORATION 8 9 SUPERIOR COURT OF THE STATE OF CALIFORNIA 10 FOR THE COUNTY OF RIVERSIDE 11 12 MATRIX FINANCIAL SERVICES Case No. CORPORATION, 13 VERIFIED COMPLAINT FOR: Plaintiff, 1) REFORMATION AND 14 2) DECLARATORY RELIEF vs. 15 THE TESTATE AND INTESTATE 16 SUCCESSORS OF CARLA M. ELLIS, DECEASED, AND ALL PERSONS 17 CLAIMING BY, THROUGH, OR UNDER SUCH DECEDENT; 18 ALL PERSONS UNKNOWN, CLAIMING 19 ANY LEGAL OR EQUITABLE RIGHT, TITLE, ESTATE, LIEN, OR INTEREST IN 20 THE PROPERTY DESCRIBED IN THE COMPLAINT ADVERSE TO PLAINTIFF’S 21 TITLE, OR ANY CLOUD UPON PLAINTIFF’S TITLE; 22 and DOES 1 through 50, inclusive, 23 Defendants. 24 25 Plaintiff, MATRIX FINANCIAL SERVICES CORPORATION, alleges as follows: 26 JURISDICTION AND VENUE 27 28 1 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 1. The real property which is the subject of this complaint is commonly known as 1011 2 E. California Ave., Blythe, CA 92225, bearing Assessor’s Parcel Number 857-084-005 (the 3 “Property”). Venue of this action is therefore proper in this county pursuant to California Code of 4 Civil Procedure § 392. 5 2. At all relevant times MATRIX FINANCIAL SERVICES CORPORATION 6 (“Plaintiff”), was authorized to conduct business in the State of California. 7 3. 3. Pursuant to Code of Civil Procedure § 762.030, Plaintiff names as a 8 Defendant THE TESTATE AND INTESTATE SUCCESSORS OF CARLA M. ELLIS, 9 DECEASED, AND ALL PERSONS CLAIMING BY, THROUGH, OR UNDER SUCH 10 DECEDENT. 11 4. Plaintiff is informed and believes and based thereon alleges that Carla M. Ellis is a 12 deceased individual who died on or about December 28, 2022. A true and correct copy of the State 13 of California Certification of Vital Record Certificate of Death for Carla Marie Ellis is attached 14 hereto as Exhibit “A” and incorporated herein by reference. 15 5. Plaintiff knows of no personal representative for Carla M. Ellis. 16 6. Plaintiff is informed and believes and based thereon alleges that the defendant’s 17 named herein as “ALL PERSONS UNKNOWN, CLAIMING ANY LEGAL OR EQUITABLE 18 RIGHT, TITLE, ESTATE, LIEN, OR INTEREST IN THE PROPERTY DESCRIBED IN THE 19 COMPLAINT ADVERSE TO PLAINTIFF’S TITLE, OR ANY CLOUD UPON PLAINTIFF’S 20 TITLE” (sometimes referred to as “UNKNOWN DEFENDANT(S)”) are unknown to Plaintiff. The 21 UNKNOWN DEFENDANTS, and each of them, claim some right, title, estate, lien, or interest in 22 the Subject Property adverse to Plaintiff’s title and their claims, including any person who may 23 claim an interest via intestate. 24 7. Plaintiff is informed and believes and based thereon alleges that Plaintiff is ignorant 25 of the true names and capacities of defendants sued herein as DOES 1 through 50 and therefore sue 26 those defendants by such fictitious names. Plaintiff is informed and believes and thereon alleges, 27 that, at all relevant times, each defendant, including DOES 1 through 50, was the agent, partner, 28 2 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 joint venturer, co-conspirator, servant and employee of each other defendant, who, while acting, 2 omitting to act, representing, misrepresenting, concealing and conspiring was acting both for his, her 3 or its individual benefit and advantage as well as acting, omitting to act, representing, 4 misrepresenting, concealing and conspiring for the benefit of some or all of the other defendants, 5 within the scope of said employment, agency, joint venture, partnership, and conspiracy and with the 6 knowledge, consent, approval, permission and ratification of the other defendants and each of them. 7 Plaintiff will amend this verified complaint to allege their true names when ascertained. Plaintiff is 8 informed and believes and based thereon alleges that each of the fictitiously named defendants claim 9 some right, title, estate lien, or interest in the Subject Property adverse to Plaintiff’s title and their 10 claims, and each of them constitute a cloud on Plaintiff’s title to the Subject Property. 11 8. Plaintiff is informed and believes and based thereon alleges, that at all times 12 mentioned herein each of the defendants named herein was and is now, the agent, servant, and/or 13 employee of the other defendants herein and each of them, and in doing or omitting to do the acts 14 and things herein, was acting within the course and scope of said agency, service and/or 15 employment, and/or that all of said acts and/or omissions were authorized and/or ratified by said co- 16 defendants, and/or were done with their knowledge and/or consent. 17 9. The real property which is the subject matter of this action known as the Property is 18 legal described as follows: 19 LOT 14 OF NORTH PARK, IN THE CITY OF BLYTHE, COUNTY OF RIVERSIDE, 20 STATE OF CALIFORNIA, AS SHOWN BY MAP ON FILE IN BOOK 52 PAGE 64 OF 21 MAPS COUNTY RECORDS. 22 Assessor’s Parcel Number: 857-084-005 23 GENERAL ALLEGATIONS 24 10. Plaintiff is informed and believes and thereon alleges that George R. Ellis and Carla 25 M. Ellis, husband and wife as joint tenants, acquired title to the Property via a Grant Deed (“Grant 26 Deed”), dated July 3, 2013, and recorded on July 11, 2013, in the Official Records of the County of 27 28 3 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 Riverside, State of California as Document No. 2013-0335481 (“Grant Deed”). A true and correct 2 copy of the Grant Deed is attached hereto as Exhibit “B” and is incorporated herein by reference. 3 11. On or about, On or about June 10, 2021, an Affidavit-Death of Joint Tenant was 4 recorded in the Official Records of the County of Riverside, California, as Instrument No. 2021- 5 0353155 under which all rights, title and interest of the Property vested to Ellis. A true and correct 6 copy of the Affidavit-Death of Joint Tenant is attached hereto as Exhibit “C” and incorporated 7 herein by reference. 8 12. Plaintiff is informed and believes and thereon alleges that on or around August 23, 9 2021, Carla M. Ellis, Surviving Joint Tenant, obtained a loan in the amount of $154,200.00, and 10 secured the loan by executing a Deed of Trust in favor of Mortgage Electronic Registration Systems, 11 Inc., solely as nominee for Global Equity Finance, Inc., as beneficiary, which was recorded on 12 September 9, 2021, in the Official Records of the County of Riverside, State of California as 13 Document No. 2021-0537059 (“Subject DOT”). A true and correct copy of the Deed of Trust is 14 attached hereto as Exhibit “D” and is incorporated herein by reference. 15 13. On or about, On or about June 22, 2023, an Assignment of Deed of Trust was 16 recorded in the Official Records of the County of Riverside, California, as Instrument No. 2023- 17 0179128 under which all rights, title and interest under the Subject DOT was assigned to Plaintiff. 18 A true and correct copy of the Assignment of Deed of Trust is attached hereto as Exhibit “E” and 19 incorporated herein by reference. 20 14. Plaintiff is informed and believes and thereon alleges that through mistake, error 21 and/or inadvertence, the property address listed on the Subject DOT is erroneously listed as “1011 E 22 California St, Blythe, CA 92225”, instead of the correct address “1011 E California Ave, Blythe, CA 23 92225”. 24 FIRST CAUSE OF ACTION 25 REFORMATION OF DEED OF TRUST 26 (Against All Defendants, and DOES 1 through 50, Inclusive) 27 28 4 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 15. Plaintiff re-alleges and incorporates herein by reference paragraphs 1 through 14, 2 inclusive, as though fully set forth below. 3 16. Plaintiff seeks to reform the Subject DOT to reflect the true intent of the parties by 4 correcting the property address from “1011 E California St, Blythe, CA 92225”, instead of the 5 correct address “1011 E California Ave, Blythe, CA 92225”. 6 17. “When through fraud or a mutual mistake of the parties or a mistake of one party 7 which the other at the time knew or suspected a written contract does not truly express the intention 8 of the parties it may be revised on the application of a party aggrieved so as to express that intention 9 so far as it can be done without prejudice to rights acquired by third persons, in good faith and for 10 value. (Cal. Civ. Code § 3399.) 11 18. Reformation is not limited to the original parties to a written instrument but to any 12 aggrieved parties. (Hart v. Walton (1908) 9 Cal App 502, 507, 508.) 13 19. Plaintiff is an aggrieved party as due to the mistaken property address as it is unable 14 to exercise its power and sale to proceed with a nonjudicial foreclosure of the Subject DOT which is 15 in default. 16 20. Plaintiff is informed and believes and based thereon alleges that the failure of the 17 Subject DOT to reflect the true intent of the parties thereto resulted from a mutual mistake in that the 18 parties intended the Subject DOT to include and/or identify the correct property address, for the 19 Property. To reflect the true intent of the parties thereto, the Subject DOT should be reformed, nunc 20 pro tunc, as of August 23, 2021, to reflect the true intent of the parties thereto and include and/or 21 identify the correct property address, “1011 E California Ave, Blythe, CA 92225”, for the Subject 22 Property. 23 SECOND CAUSE OF ACTION 24 DECLARATORY RELIEF 25 (Against All Defendants, and DOES 1 through 50, Inclusive) 26 21. Plaintiff hereby incorporates by reference the allegations contained in paragraph 1 27 through 20, inclusive, above, as though fully set forth herein. 28 5 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 22. Plaintiff is informed and believes and based thereon alleges that an actual controversy 2 has arisen and now exists between Plaintiff and Defendants, and each of them. 3 23. Plaintiff is informed and believes and based thereon alleges that Defendants, and each 4 of them, dispute these contentions. 5 24. Plaintiff desires a judicial determination of its rights and interests in the Subject DOT, 6 as follows: reformation of the Subject DOT to reflect the true intent of the parties thereto and 7 identify the correct property address of “1011 E California Ave, Blythe, CA 92225”. 8 25. A judicial declaration is necessary and appropriate at this time under the 9 circumstances in order that Plaintiff may ascertain its rights, duties and interests in the Property to 10 avoid a multiplicity of actions. 11 PRAYER FOR RELIEF 12 WHEREFORE, Plaintiff prays for judgment against Defendants, and each of them, as 13 follows: 14 ON THE FIRST CAUSE OF ACTION 15 1. That the Subject DOT be reformed, nunc pro tunc, effective August 23, 2021, to 16 express the true intent of the parties thereto to include the correct property address of “1011 E 17 California Ave, Blythe, CA 92225”. 18 ON THE SECOND CAUSE OF ACTION 19 2. For a judicial determination of Plaintiff’s rights and duties, and a declaration 20 establishing that the Subject DOT be reformed, nunc pro tunc, effective August 23, 2021, to express 21 the true intent of the parties thereto to include the correct property address of “1011 E California 22 Ave, Blythe, CA 92225”. 23 /// 24 /// 25 /// 26 /// 27 /// 28 6 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 ON ALL CAUSES OF ACTION 2 3. For costs of suit incurred herein; 3 4. For such other and further relief as this Court may deem just and proper. 4 5 DATED: October 26, 2023 THE MORTGAGE LAW FIRM, PLC 6 7 BY:jfMM,L~ 1 F.LEWIN 8 Attorneys for Plaintiff, 9 MATRIX FINANCIAL SERVICES CORPORATION 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 7 VERIFIED COMPLAINT FOR REFORMATION AND DECLARATORY RELIEF 1 VERIFICATION 2 3 I am a/an 'S\JP jX.-fzLu \ {-.Sl-(YVt'~trix Financial Services Corporation 4 ("Plaintiff'') by RoundPoint Mortgage Servicing LLC FKA RoundPoint Mortgage Servicing 5 Corporation, its Attorney in Fact ("Servicer") and I am authorized to make this Verification for and 6 on its behalf. 7 I have read the forgoing VERIFIED COMPLAINT FOR: (1) REFORMATION AND (2) 8 DECLARATORY RELIEF and know the contents thereof. 9 The matters stated in the foregoing document are true of my own knowledge based upon a 10 review of plaintiff's business records except as to those matters which are stated on information and 11 belief, and as to those matters, I believe them to be true. 12 I declare under penalty of petjury under the laws of the State of California that the foregoing 13 is true and correct to the best of my knowledge information and belief. 14 Executed on Out\) 'our 1---4 ~~~~e City of ~ fV\.t ll , County of 15 '( oYL.-- ' State of Stu-~Ceut>l! ~ 16 17 18 19 20 21 22 23 24 25 26 27 28 1 VERIFICATION EXHIBIT “A” COUNTY OF RIVERSIDE RIVERSIDE, CALIFORNIA 3052022309126 CERTIFICATE StATE OF DEATH Of~ 3202233020215 USEstAQ:NC ON..Y/~~MfTEOUTSMAlliRAJ10fiS STATE FilE NUMBER 1.N.WEOFOECEDEHT-FII!St ~ l:tLASt(f"""' CARLA IM'ARie ELLIS ~ AI~-w...-... ....-.1 1o&.CfTY ~c RIVERSIDE RIVERSIDE .. I07.CAUSEOFDEATH Erlw1hlc:haoc(....U-·~ • ....,..Of~ 1!'111 d/dt t.IIMd dell\. DO NOT I!I'W t~M'Nf evenlt weh lq~!ittwfwl 101.D£,ATMR£.PCJR!E)T0~ l!dMEDCATE ~USE mr::wdlle~~/II'!Wl,or~ ......con~~r..~.OO:.OT~TE ~AClfTE HYPOXIC RESPIRATORY FAILURE ~n:o.=. •IA'l o,'ES OONO _. ..... ~lo4"MMIO ~~:~ !HRS _...,,..., hdu:h) ~.Wpt.,...... illl SEPTIC SHOCK !18Tl !DAYS I,,BO'SYPEAfORM£0? DYES (Rir«:> ~ O"'ll.lnliA.fnm ICl COMMUNITY ACQUIRED . PNEUMONIA . !lOll 110, AUTOPSY PERFOfW£07 DYEs .. U>T A!SULTWQ IHTHEUHDERLYINGC4USZ: CWEN ll 107 Qves DNO CHRONIC OBSTRUCTIVE PULMONARY DISEASE . . 113. WASOPERATlON PERFORMED FOR /NY CONOmOHIN ITEM I070R '12?1f!yn, kt t p cfopemion WlddaU.) NO j'[]':"iKj;':[j':. 114.1 CERTJn' THAl TO nt: MST OF M'fi'.NO'M..ECGE DfJ,•HOCQJP.SED ~~ I"~~·;;;;·ERl~~~~,;;;w 115.SKJtlATURE ANO lTJ1.£ OFCERTIFER ~ AT ~HatJ\o=.t£. NIJ Pl..ld STATEOfROMTHE c.avs£!1 StA.'"IO. DletldMAt111\cttd~· DIUdl1l Lm &ftn Aa\'1 . ~ZERON GHAZARIAN, MD 10. il IN 12/25/2022 ~ <(8) : 12/28/2022 ~ 4234 .-.AutN"""'' H RIVE~WALK 110.1cmrFY11Wtrl.~~.~«e... etc.) c ~ t2... O£SCSHE HOW IH.IUR'I'OCCURRf.D (E~ ~~in..,.,., . ~z 0 125.l.OCATlOH OF .,JURY (Sto-.e~ Md I'IUL"nbtt. or b:.r.ion,lltld dry. Md tip) ~ 1~- SIG~TUAE OF CORONER I DEPUTY CORONER 127. DATE mtrlddlt:t.Y'I 12!.TYPE NAME. TTTLEOf CORONER /OEPUTYCORONER •.r j I I I STATE Re:Ot$1RAA f lc 0 r llllSIDIIIIIIIIPJ!.I!l!llllllilDIIHitiUIIIIIllllliml FAX AliTH.I CENSUS TRACT CERTIFIED COPY OF VITAL RECORD 111n 111 m1 ~11 11•1t~1 n11mrr:r~ 111 STATE OF CALIFORNIA } COUNTY OF RIVERSIDE ss This is a true and exact reproduction of the document officially registered and i? 1/. *002162631* placed on file by the Riverside University Health System, Department of Public Heellfl. "'f-t..fi-'-J iLJ ('"d- DATE ISSUED J 8D 13,2023 Dr. G<>offrey Leung, M.D., Ed.M .• County Health OffJOer RIVERSIDE COUNTY, CAUFDRNIA ;!'~~!.,i,s not valid unless prepared on an engraved border, displaying the date, seal, and signature of the Registrar. EXHIBIT “B” DOC # 2013-0335481 07/11/2013 01:44 PM Fees: $18.00 Page 1 of 2 PACIAC GOASTllfLE Celt1PAN"j Recorded in Official Records County of Riverside RECORDING REQUESTED BY: Larry W . Ward Banker Direct Escrow Assessor, County Clerk & Recorder Order Escrow No. Parcel No. A.P. No. 857-084-005-7 **This document was electronically submitted to the County of Riverside for recording** AND WHEN RECORDED MAIL TO: Receipted by: ARIBAC GEORGE R. ELLIS 1011 EAST CALIFORNIA STREET BLYTIJE, CA 92225 SPACE ABOVE THIS LINE FOR RECORDER'S USE GRANT DEED ~L rA TilE UNDERSIGNED GRANTOR(S) DECLARE(S) THAT DOCUMENTARY TRANSFER TAX IS 0 0 computed on full value of property conveyed, or computed on full value less liens or encumbrances remaining at the time of sale. r·- CITY S .,..., 0 unincorporated area: [8] Blythe, and FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged, George R. Ellis, an unmarried man hereby GRANT(S) to George R Ellis and Carla M. Ellis, husband and wife as joint tenants the following described real property in the County of Riverside, State of California: Lot 14 of north park, in the city of Blythe, county of Riverside, state of California, as shown by map on file in book . 52 page 64 of maps county records. Date July 3, 2013 STATEOFCALIFORNIA } Q . \ }S.S. COUNTY OF lii..)f ~ ~; oe } On ::f"u..\~ 5 J_ 0 I 3 , before me, FtaMc/S: 'L A t 1-f e.t ~ ;\2t'{a~ P~ ~( l <:. personally aPIJeare'd GEORGE R. ELLIS who proved to me on the basis of satisfactory'evidence t<:bc the person~ whose name(•) is/are subscribed to the within instrument and acknowledged to me that helsAefdrey executed the same in hisllMrAhoir authorized capacity(~. and that by his/her/their signature(s) on the instrument the person(l), or the entity upon behalf of which the person(•) acted, executed the instrument I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct Mail Tax Statements to: SAME AS ABOVE or Address Noted Below DOC #2013-0335481 Page 2 of 2 07/11/2013 01 :44PM LEGAL DESCRIPTION EXHffiiT "A" THE lAND REFERRED TO HERBN BELOW IS SITUATED IN THE COUNTY OF RIVERSIDE, STATE OF CAUFORNIA, AND IS DESCRIBED AS FOLLOWS: LOT 14 OF NORTH PARK, IN THE CITY OF BLYTHE, COUNlY OF RIVERSIDE, STATE OF CAUFORNIA, AS SHOWN BY MAP ON ALE IN BOOK 52 PAGE 64 OF MAPS COUNlY RECORDS. EXHIBIT “C” PUBLIC RECORD -------- -·. ----- PLEASE COMPLETE THIS INFORMATION RECORDING REQUESTED BY: 2021-0353155 06/10/2021 02:47 PM Fee; $ 33.00 Carla M. Ellis Page 1 of 4 Recorded in Official Records ANDWHEN'RECORDED MAIL TO: County of Riverside Peter ~ldana Assessor-County Clerk-Recorder Carla M. Ellis 1011 East California Blythe, CA 92225 1111 ~~rTt.~~~~~;t~~t.~trtlllll Space above this line for recorder's use only AFFIDAVIT-DEATH OF JOINT TENANT 857-084-005 Title of Document TRA:_ _ _ _ _ __ DTT:_o_.oo_______________ Exemption reason declared pursuant to Government Code 27388.1 D This document is a transfer that is subject to the imposition of documentary transfer tax. This is a document recorded in connection with a transfer that is subject to the imposition D of documentary transfer tax. Document reference: _ _ _ _ _ _ _ _ _ _ _ __ This document is a transfer of real property that is a residential dwelling to an owner- occupier. This is a document recorded in connection with a transfer of real property that is a D residential dwelling to an owner-occupier. Document reference: _ _ _ _ _ _ _ _ _ _ _ __ THIS PAGE ADDED TO PROVIDE ADEQUATE SPACE FOR RECORDING INFORMATION {$3.00 Additional Recording Fee Applies) ACR 23t\ (Rev. 01/2018) Available In Alternate Formals DOC #2021-0353155 Page 2 of4 RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: Carla M. Ellis 1011 East California Street Blythe, CA 92225 APN: 857-084-005 AFFIDAVIT-DEATH OF JOINT TENANT State of California ) ) ss. County of Riverside ) Carla M . Ellis, of legal age, being first duly sworn, deposes and says: That George Ronald Ellis, the decedent mentioned in the attached certified copy of Certificate of Death is the same person as George R. Ellis, named as one of the parties in that certain Grant Deed executed by George R. Ellis, an unmarried man to George R. Ellis and Carla M. Ellis, husband and wife as Joint Tenants, and recorded as Instrument No. 2013-0335481 on July 3, 2013, Official Record~ ofRiverside CoWlty, California, covering the following described property situated in the City of Blythe, County of Riverside, State of California: Lot 14 of north park, in the City ofBlythe, County of Riverside, State of California, as shown by map on file in book 52 page 64 of maps county records. <;, I0.3 ~ ·~~-~ Dated: r CARLA M. ELLIS . . DOC #2021-0353155 Page 3 of4 A notary public or other officer completing this certificate verifies only the identity of the individual who s igned the document to which this certificate is attached, and not the truthfulness, accuracy, or validity uf that document. State of California ) ) ss. County of Riverside ) Subscribed and sworn to (or affirmed) before me on this 3t& day of jJJ )Nf: , 2021, by CARLA M. ELLIS, proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me. ~a f t ft f t -~ Szgnature • c c ft 0 KIM!IERLIE A. FOLEY i - . . Kotary Pub lit· c.tlfarnt• 1 lttwnldtt Ca= ' c!' ::m:·!:"':":']' :z:, DQ¢.#2021-0353155 _Page 4 of 4 3052021075321 .. .. . 3202133005145 LOC.t.L REG ISTRAllCJN N1.J M BER / o( -~ !;( / "";/z ".."'ffi 9.a~ srAi~OREIGN CCK.tlfRV . CA ,n..soclALsECURITYNUNoeR l'i:EVDI ~t~ u.s.nw!DroAcESt· -u.w~siA:tu_SiSRDP" fltr- uDIE."~Gt"7. nAJEoF oEA'T1-f rtllf'JrJal~ IKl \6 D D uio< MARRIED NO -' J 0210412021 Ja.HouR ~· ~ J 1622 ...lil~ U- "'c w JO 1011 E. CALIFORNIA ST ~-~ : ·~--·~~~~~~------~ 121i. D€SCR\6EI-IOW INJUFI'r' OCCJ-~~-EC.[Evcntsw~1~~tntn~-- ~ ~ - .... _.. .. ~ ~~~ ~ ~oc ~.nm ~~or~m; ~ u= ~~~~ ~~~.- M~Nn~ .~ ---~~~ ~~~~ ~.'~~ ~~u~ · ,- .•-,d~,~ ~--~~-~ ..~-~ · ~------~~~~~~~--~--~---------------------------1 8 ~~~~S~ ~~~~~~C~~A~O~~~ =.. ~t~DUVIT~.~.=.~cC~~~-~~~ .A~~~~--~------r.,~,~.~~l~E~~ ~~~~-,~1=2a~~ ~E~AA ~~~.Tinf~~C~F~~=oo~N~E~R~ / ~~ ~C=o~ ~~R~------------~ .. .t I l ·· - ... STATE A I ... ·.::· ,o.~··. .. _f,' ~>. :·.JBilllii~IIIIIJUmoiniiWIIliiii!IIBlmBIII]IIIUlU~Ilin FAXAllllU CENSUS lJIACT A'EG\S'I'AARI . ·. .. . :'0100DlDD46898<11' . . . CERTIFIED COPY OF VITAL. RECOB:'D. STATE OFCALJFO.:R,NI~ '}·"': : ... COUNTY OFRIVERSIDE · , ~S 'F~.. EXHIBIT “D” Stewart Title Guaranty Company DOC # 2021-0537059 09/09/2021 09:00AM Fees: $144.00 Recording Requested By: Page 1 of 16 Global Equity Finance, Inc. Recorded In Official Records County of Riverside Peter Aldana And After Recording Return To: Assessor-County Clerk-Recorder UNITED WHOLESALE MORTGAGE, LLC 585 SOUTH BOULEVARD E PONTIAC, Ml 48341 "This document was elect ronically submitted ATTN: POST NAGER to the County of Riverside for recording" Loan Number: Receipted by· DEYANIRA #293 ORIGINAL - - - - - - - - - - - - {Space #Jove This Une For Recording Deta) - - - - - - - - - - - - DEED OF TRUST MtN: _ _ _ _ __ MERS Phone: 888--679-6377 OEANITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, II, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. , together (A) "Security Instrument" means this document, which is dated AUGUST 23, 2021 with all Riders to this document. (B} ''Borrower" is Carta M. Blis, Surviving Joint Tenant BORROWER'S ADDRESS IS 1011 E California St, Blythe, California 92225. Borrower is the trustor under this Security Instrument. (C) ''Lender" is Global Equity Finance, Inc. Lender is a CORPORATION organized and existing under the laws of CALIFORNIA Lender's address is 404 Camino Del Rio South Suite 300, San Diego, California 92108 (D) "Trustee" is David E. Fennell, Esq., Northwest Trustee Services 1241 East Dyer Road, Suite 250, Santa Ana, California 92705 (E) ''MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender' s successors and assigns. MERS i1 the benefidary under thl.s Security CALIFORNIA- Single Family -Fannie Maa'Freddle Mac UNIFORM INSTRUMENT - MERS Form 3005 01/01 Pege 1 of 15 Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) ''Note" means the promissory note signed by Borrower and dated AUGUST 23 , 2021 The Note states that Borrower owes Lender ONE HUNDRED FIFTY-FOUR THOUSAND TWO HUNDRED AND 00/1 00 Dollars (U.S. $ 154,200.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2036 (G) ''Property" means the property that is described below under the heading "Transfer of Rights in the Property.'' (H) ''Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) ''Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider D Planned Unit Development Rider 0 Balloon Rider D Biweekly Payment Rider 0 l-4 Family Rider D Second Home Rider 0 Condominium Rider D Other(s) [s pecify] (J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as we11 as all applicable final, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M) "Escrow Items" means those items that are described in Section 3. (N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (P) ''Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (Q) ''RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally reLated mortgage loan" even if the Loan does not quality as a "federally related mortgage Joan" under RESP A. (R) ''Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. CALIFORNIA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3005 01/01 Page 2 of 15 TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors and assigns ofMERS. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the COUNTY of RIVERSIDE [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] See Attached A.P.N.: 857-084-005 S.EEEXHIBITA which currently has the address of 1 011 E California St [Street] Blythe , California 92225 ("Property Address"): [City] [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument cover