NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY By virtue of a Power of Sale contained in that certain Security Deed from DERICK JASON CANALES and GINA D. MARTIN to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for DHI Mortgage Company, Ltd., its successors and assigns. , dated September 21, 2022, recorded October 11, 2022, in Deed Book 2812, Page 835, Effingham County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Three Hundred Thirty-Two Thousand Four Hundred Sixty-Four and 00/100 dollars ($332,464.00), 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 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 EFFINGHAM COUNTY, GEORGIA, KNOWN AS LOT 235, PARK WEST SUBDIVISION, PHASE III-A, UPON A MAP THEREOF RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT CABINET D148, SLIDE C1 AND D1. SAID LOT WAS CONVEYED TO D.R. HORTON, INC, BY LIMITED WARRANTY DEED DATED JUNE 29, 2012, RECORDED IN DEED BOOK 2110, PAGE 201, IN THE AFORESAID CLERK`S OFFICE. SAID MAP AND DEED ARE INCORPORATED HEREIN BY SPECIFIC REFERENCE. Said legal description being controlling, however the property is more commonly known as 153 CARIBBEAN VILLAGE DRIVE, GUYTON, GA 31312-6588. 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 DERICK JASON CANALES, GINA D. MARTIN, 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: 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 DERICK JASON CANALES, GINA D. MARTIN 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-23-05928-11 Ad Run Dates 09/10/2025, 09/17/2025, 09/24/2025, 10/01/2025 rlselaw.com/property-listing 22361 10/1/25 RL