NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY By virtue of a Power of Sale contained in that certain Security Deed from CHAD PATTERSON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR SWBC MORTGAGE CORP., dated October 31, 2022, recorded October 31, 2022, in Deed Book 2816, Page 797-807, at Instrument Number D2022010795, Effingham County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Seventy-Four Thousand Two Hundred Seventy-Seven and 00/100 dollars ($74,277.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to SWBC Mortgage Corporation, there will be sold at public outcry to the highest bidder for cash at the Effingham County Courthouse, within the legal hours of sale on the first Tuesday in October, 2025, all property described in said Security Deed including but not limited to the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 10TH G.M. DISTRICT, EFFINGHAM COUNTY, GEORGIA, KNOWN AND DESIGNATED AS LOT 89, BARRISTER CROSSING SUBDIVISION, PHASE II, THAT IS SHOWN AND MORE PARTICULARLY DESCRIBED BY THE PLAT OF SURVEY MADE BY WARREN E. POYTHRESS, R.L.S. #1953, DATED JUNE 22, 2005, RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT CABINET C, SLIDE 87 C-1, WHICH IS INCORPORATED INTO THIS DESCRIPTION BY SPECIFIC REFERENCE THERETO. Said legal description being controlling, however the property is more commonly known as 296 BARRISTER CIR, GUYTON, GA 31312. 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 CHAD 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 and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: Cenlar FSB, Loss Mitigation Dept., 425 Phillips Blvd., Ewing, NJ 08618, Telephone Number: 877-909-9416. 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. SWBC MORTGAGE CORPORATION as Attorney in Fact for CHAD 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. CENL-25-03335-1 Ad Run Dates 09/10/2025, 09/17/2025, 09/24/2025, 10/01/2025 rlselaw.com/property-listing 22355 10/1/25 RL