1630 Highway 77 S

NOTICE OF SALE UNDER POWER GEORGIA, GREENE COUNTY By virtue of a Power of Sale contained in that certain Security Deed from STEPHEN L. MORREIRA and MELISSA G. MORREIRA to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR FRANKLIN BANK, SSB , dated May 23, 2005, recorded June 20, 2005, in Book 798, Page 81, Greene County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Ninety-Three Thousand Nine Hundred Twenty-Six and 00/100 dollars ($93,926.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to PennyMac Loan Services, LLC, there will be sold at public outcry to the highest bidder for cash at the Greene County Courthouse, within the legal hours of sale on the first Tuesday in November, 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 THE 140 AND 141 G.M. DISTRICT OF GREENE COUNTY, GEORGIA, AND BEING DESIGNATED AS LOT 13 OF OGEECHEE FARMS, PHASE I, ACCORDING TO PLAT OF SURVEY FOR OGEECHEE FARMS, PHASE I BY PRINCE S. HALLIGAN, GEORGIA R.L.S., DATED 7/14/00, AND RECORDED IN PLAT CABINET 1, SLIDE 457, PAGE 8, AS REVISED IN PLAT CABINET 1, SLIDE 464, PAGE 9, GREENE COUNTY CLERK OF SUPERIOR COURT, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE THERETO FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY CONVEYED HEREIN. ATTACHED HERETO AND CONVEYED HEREWITH IS A HORTON MANUFACTURED HOME BEARING SERIAL/VIN NO. NOH176548G, AND HUD LABEL NOS. GEO1332018 AND GEO1332017. Said legal description being controlling, however the property is more commonly known as 1630 HIGHWAY 77 S, UNION POINT, GA 30669. 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 STEPHEN L. MORREIRA, MELISSA G. MORREIRA, 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: PennyMac Loan Services, LLC, Loss Mitigation Dept., 3043 Townsgate Road Suite 200, Westlake Village, CA 91361, Telephone Number: 1-866-549-3583. 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. PENNYMAC LOAN SERVICES, LLC as Attorney in Fact for STEPHEN L. MORREIRA, MELISSA G. MORREIRA 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. PNY-23-06497-4 Ad Run Dates 10/08/2026, 10/15/2026, 10/22/2026, 10/29/2026 rlselaw.com/property-listing