20 Rainier Ln

NOTICE OF SALE UNDER POWER GEORGIA, CHATHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Michael S Stamps to BANK OF AMERICA, N.A. dated November 9, 2007, recorded in Deed Book 334E, Page 455, Chatham County, Georgia Records, as last transferred to Towd Point Mortgage Trust Asset-Backed Securities, Series 2022-SJ1, U.S. Bank National Association, as Indenture Trustee by assignment recorded in Deed Book 3573, Page 611, Chatham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THIRTY-ONE THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($31,100.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Chatham County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in August, 2025, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF The debt 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 this sale, as provided in the Security Deed and by law, including attorney's fees (notice pursuant to O.C.G.A. § 13-1-11 having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, 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 matters of record including, but not limited to, those superior to the Security Deed first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. Towd Point Mortgage Trust Asset-Backed Securities, Series 2022-SJ1, U.S. Bank National Association, as Indenture Trustee is the holder of the Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Shellpoint Mortgage Servicing, 75 Beattie Place, Suite 300, Greenville, SC 29601, (800) 365-7107. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party in possession of the property is Michael S Stamps or a tenant or tenants and said property is more commonly known as 20 Rainier Lane, Savannah, GA 31405. Should a conflict arise between the property address and the legal description the legal description will control. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Towd Point Mortgage Trust Asset-Backed Securities, Series 2022-SJ1, U.S. Bank National Association, as Indenture Trustee as Attorney in Fact for Michael S Stamps McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" ALL that certain lot, tract or parcel of land situate, lying and being in the State of Georgia, County of Chatham, known as LOT 235, THE LAKES AT COTTONVALE, PHASE 3A, a subdivision of a portion of Lots 13 & 14, Saranac Farm Lots, Seventh G.M. District, Chatham County, Georgia, as more particularly described on that certain subdivision map dated October 16, 2006, prepared for Green Way Developers, Inc. by Hussey, Gay, Bell & DeYoung, Consulting Engineers, and being recorded in Subdivision Map Book 37 S, Pages 50A and 50B, in the Office of the Clerk of the Superior Court of Chatham County, Georgia to which reference is hereby made for complete description hereof. SUBJECT, HOWEVER, to all valid restrictions, easements and rights-of-way of record, including, but not limited to that certain Declaration of Covenants, Conditions, Restrictions and Easements for Cottonvale Plantation, recorded in Deed Record Book 267-V, Page 468, in the Office of the Clerk of the Superior Court of Chatham County, Georgia. SUBJECT, HOWEVER, to a limited home buyer's warranty, which shall constitute a covenant running with the land, which shall inure to the benefit of grantee's heirs, successors and assigns and which limits the liability of the grantor herein to the grantee and to the grantee's heirs, successors and assigns. SUBJECT, HOWEVER, to that certain First Deed to Secure Debt from Michael S. Stamps to Bank of America, N.A. recorded November 13, 2007, in Deed Book 334E, Page 435, in the Office of the Clerk of the Superior Court of Chatham County, Georgia. (TO SECURE: $124,400.00) MR / MA August 5, 2025 Our file no. 24-14679GA-FT7 24-14679GA