57 Spruce St

NOTICE OF SALE UNDER POWER GEORGIA, FANNIN COUNTY By virtue of a Power of Sale contained in that certain Security Deed from BETTY ANN PATTERSON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR URBAN FINANCIAL GROUP INC., dated August 1, 2011, recorded August 11, 2011, in Book 976, Page 535-544, Fannin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Four Thousand Five Hundred and 00/100 dollars ($124,500.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to IW HECM LLC, there will be sold at public outcry to the highest bidder for cash at the Fannin County Courthouse, within the legal hours of sale on the first Tuesday in August, 2026, all property described in said Security Deed including but not limited to the following described property: THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF FANNIN, STATE OF GEORGIA, AND IS DESCRIBED AS FOLLOWS: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE TOWN OF MINERAL BLUFF, GEORGIA AND KNOWN AS TOWN LOT NUMBERS 55, 56, 57 AND 58 IN SECTION 12 AS SHOWN ON MAP OF SAID TOWN INCLUDING HOUSE AND BARN ON SAID LOT. ALSO, BEGINNING AT A METAL PIPE AT THE CORNER OF MARIETTA STREET (HIGHWAY 60) AND SPRUCE STREET, JOINING LOT NO. 58, SECTION 12, PROPERTY OF MRS. TENNIE N. BALLEW AND RUNNING 10.5 FEET IN A SOUTHWESTERLY DIRECTION TO A METAL PIPE: THENCE IN A NORTHWESTERLY DIRECTION 150 FEET ON SPRUCE STREET TO A METAL PIPE; 10.5 FEET IN A NORTHEASTERLY DIRECTION TO A METAL PIPE, CORNER OF LOT NO. 58 PROPERTY OF TENNIE N. BALLEW, THENCE IN A SOUTHEASTERLY DIRECTION TO THE BEGINNING POINT. THE ABOVE-DESCRIBED PROPERTY IS PART OF SPRUCE STREET 10.5 FEET WIDE AND 150 FEET LONG JOINING SAID PROPERTY OF MRS. TENNIE NICHOLS BALLEW. Said legal description being controlling, however the property is more commonly known as 57 SPRUCE STREET, MINERAL BLUFFS, GA 30559. 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 BETTY ANN PATTERSON, ESTATE AND/OR HEIRS AT LAW OF BETTY ANN PATTERSON , 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: Statebridge Company, LLC, Loss Mitigation Dept., 6061 S. Willow Drive Suite 300, Greenwood Village, CO 80111, Telephone Number: 866-466-3360. 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. IW HECM LLC as Attorney in Fact for BETTY ANN PATTERSON 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. SBC-26-01781-1 Ad Run Dates 07/08/2026, 07/15/2026, 07/22/2026, 07/29/2026 rlselaw.com/property-listing 7/8, 7/15, 7/22, 7/29