2020 Kirby Ct

Foreclosures NOTICE OF SALE UNDER POWER GEORGIA, NEWTON COUNTY By virtue of a Power of Sale contained in that certain Security Deed from COVINGTON CREEK HOLDING, LLC to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR CHURCHILL FUNDING I LLC, A DELAWARE LIMITED LIABILITY COMPANY, dated November 26, 2024, recorded December 11, 2024, in Book 4682, Page 788, Newton County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Sixty-Four Thousand Nine Hundred Ninety and 00/100 dollars ($264,990.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Citibank, N.A., not in its individual capacity, but solely as Owner Trustee of Santander Mortgage Asset Receivable Trust 2025-NQM2, there will be sold at public outcry to the highest bidder for cash at the Newton County Courthouse, within the legal hours of sale on the first Tuesday in July, 2026, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 198, 10TH DISTRICT, NEWTON COUNTY, GEORGIA, BEING LOT 3 OF COVINGTON CREEK SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 56, PAGES 158-160, NEWTON COUNTY, GEORGIA, SAID PLAT BEING INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. Said legal description being controlling, however the property is more commonly known as 2020 KIRBY CT, COVINGTON, GA 30016. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is COVINGTON CREEK HOLDING, LLC , or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) purchaser's tendering to Rubin Lublin, LLC, anti-money laundering information as required pursuant to the FinCEN Real Estate Report Rule. Failure to provide information, could result in rescission of the sale. The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: Fay Servicing, LLC, Loss Mitigation Dept., 425 S. Financial Place Suite 2000, Chicago, IL 60605, Telephone Number: 800-495-7166. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument. CITIBANK, N.A., NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS OWNER TRUSTEE OF SANTANDER MORTGAGE ASSET RECEIVABLE TRUST 2025-NQM2 as Attorney in Fact for COVINGTON CREEK HOLDING, LLC THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. FAY-25-03017-2 Ad Run Dates 06/07/2026, 06/14/2026, 06/21/2026, 06/28/2026 rlselaw.com/property-listing PUBLIC NOTICE #704107 6/7,14,21,28