NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Joseph Thomas Harris to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for New American Funding, LLC, its successors and assigns dated December 27, 2024, recorded in Deed Book 2949, Page 641, Effingham County, Georgia Records, as last transferred to New American Funding LLC F/K/A Broker Solutions, Inc., D/B/A New American Funding by assignment recorded in Deed Book 2978, Page 3, Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED FOURTEEN THOUSAND TWO HUNDRED FOUR AND 0/100 DOLLARS ($314,204.00), 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 Effingham 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 October, 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. SS 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. New American Funding, LLC is the holder of the Security Deed to the property in accordance with OCGA SS 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: New American Funding, 8201 North FM 620, Suite 120, Austin, TX 78726, 800-893-5304. 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 Joseph Thomas Harris or a tenant or tenants and said property is more commonly known as 174 Willow Dr, Guyton, GA 31312. 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. New American Funding, LLC as Attorney in Fact for Joseph Thomas Harris 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 Effingham County, Georgia, shown as Lot 69, Timberlake Subdivision, Phase 2, on a map thereof made for Bluejay Developers, LLC by Trinity Land Consultants Inc. dated May 14, 2007, and recorded in Plat Cabinet C169, Slide F, in the Office of the Clerk of Superior Court of Effingham County, Georgia. Said lot was conveyed to April L. McDermott by Limited Warranty Deed dated December 29, 2017, and recorded in Deed Book 2445, Page 939, in the aforesaid clerk's office. Said map and deed are incorporated herein by reference. Subject to all easements, restrictions, and rights of way of record. 174 Willow Drive, Guyton, Georgia 31312 PIN: 0394B069 MR / CA October 7, 2025 Our file no. 25-18009GA-FT17 25-18009GA 22385 10/1/25 RL