55 Brookvale Ter

NOTICE OF SALE UNDER POWER GEORGIA, CATOOSA COUNTY Under and by virtue of the Power of Sale contained in that certain Security Deed given by STEPHEN CECIL WALLER AND CYNTHIA DIANNE WALLER, A MARRIED COUPLE to Mortgage Electronic Registration Systems, Inc., as Grantor, as nominee for Summit Funding, Inc., its successors and assigns, dated 2/28/2023, and recorded on 2/28/2023, in Instrument No.: D2023001210, Deed Book 2264, Page 607, Catoosa County, Georgia records, as last assigned to Freedom Mortgage Corporation by assignment recorded on 3/31/2026 in Instrument No.: D2026-002073 Deed Book 2439, Page 424, conveying the after-described property to secure a Note in the original principal amount of $248,640.00, with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Catoosa County, Georgia, within the legal hours of sale on 11/3/2026, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN ORIGINAL LAND LOT NUMBER 22 AND 51 IN THE 9TH DISTRICT AND 4TH SECTION OF CATOOSA COUNTY, GEORGIA, BEING KNOWN AND DESCRIBED AS LOT NUMBER ONE HUNDRED SIXTEEN (116), AMENDED PLAT OF WEST BROOKVALE ESTATES SUBDIVISION, AS SHOWN ON PLAT OF SAID SUBDIVISION OF RECORD IN PLAT BOOK 14, PAGE 1, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF CATOOSA COUNTY, GEORGIA. SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES IN EFFECT THEREON. SUBJECT TO CONDITIONS, RESTRICTIONS, RESERVATIONS, LIMITATIONS, EASEMENTS, ANY LIEN RIGHTS, ETC., AS SET OUT IN INSTRUMENT RECORDED IN DEED BOOK 102, PAGE 252, AS MODIFIED BY INSTRUMENT RECORDED IN DEED BOOK 117, PAGE 531, AS FURTHER MODIFIED BY INSTRUMENT RECORDED IN DEED BOOK 397, PAGE 402, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COUNT OF CATOOSA COUNTY, GEORGIA, BUT OMITTING ANY COVENANT OR RESTRICTIONS BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAR STATUS OR NATIONAL ORIGIN UNLESS AND ONLY TO THE EXTENT THAT SAID COVENANT (A) IS EXEMPT UNDER CHAPTER 42, SECTION 3607, OF THE UNITED STATES CODE OR (B) RELATES TO HANDICAP BUT DOES NOT DISCRIMINATE HANDICAPPED PERSONS. SUBJECT TO TEN (10) FOOT DRAINAGE EASEMENT ON ALL LOT LINES AS SHOWN, DESCRIBED, OR NOTED ON RECORDED PLAT. SUBJECT TO TEN (10) FOOT DRAINAGE AND UTILITY EASEMENT AS SHOWN, DESCRIBED, OR NOTED ON RECORDED PLAT IN PLAT BOOK 7, PAGE 15, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF CATOOSA COUNTY, GEORGIA. SUBJECT TO ALL NOTES, STIPULATIONS, RESTRICTIONS, EASEMENTS, CONDITIONS, AND REGULATIONS U SHOWN, DESCRIBED, OR NOTED ON RECORDED PLAT. BEING THE SAME PROPERTY CONVEYED TO VALRIE THERESA MITCHELL BY DEED DATED 2/19/2018 AND RECORDED 2/22/2018 IN BOOK 1921, PAGE 268, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF CATOOSA COUNTY, GEORGIA. Said property is commonly known as 55 BROOKVALE TERRACE ROSSVILLE, GA 30741. The indebtedness secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of the sale, as provided in the Security Deed and by law, including attorneys' fees (notice of intent to collect attorneys fees having been given). The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Freedom Mortgage Corporation, Attention: Loss Mitigation Department, 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939, Telephone No.: (855) 690-5900. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend, or modify the terms of the security instrument. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and any other matters of record superior to the Security Deed first set out above. NOTICE TO BIDDERS: Please be advised that the highest bidder (purchaser) at this trustees sale may be required to provide information, documentation and/or certification as mandated by applicable federal law, and entity and trust purchaser should be prepared to provide beneficial ownership information as required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after March 1, 2026. If applicable, the required information must be provided to the trustee before a trustees deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers and https://www.fincen.gov/rre-faqs#D_5. To the best knowledge and belief of the undersigned, the party(ies) in possession of the property is (are) STEPHEN CECIL WALLER AND CYNTHIA DIANNE WALLER, A MARRIED COUPLE or tenant(s) or other occupants. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) any right of redemption or other lien not extinguished by foreclosure. The sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being Freedom Mortgage Corporation as Attorney in Fact for STEPHEN CECIL WALLER AND CYNTHIA DIANNE WALLER, A MARRIED COUPLE. Nestor Solutions, LLC 214 5th Street, Suite 205, Huntington Beach, California 92648, (888) 403-4115, TS # 2026-27160-GA. For sale information, visit: https://www.nestortrustee.com/sales-information.com or call (888) 902-3989. 10:7,14,21,28,2026