NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Justin J Gunther, Jocelyn A Olson to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Freedom Mortgage Corporation, its successors and assigns. dated April 7, 2020, recorded in Deed Book 2611, Page 772, Effingham County, Georgia Records, and as modified by that certain Loan Modification Agreement recorded in Deed Book 2952, Page 80, Effingham County, Georgia Records, as last transferred to Freedom Mortgage Corporation by assignment recorded in Deed Book 2846, Page 836, Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-FIVE THOUSAND TWENTY-ONE AND 0/100 DOLLARS ($95,021.00), 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. Freedom Mortgage Corporation 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: Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg 4, Fishers, IN 46037, 855-690-5900. 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 Justin J Gunther, Jocelyn A Olson and Estate of Justin J Gunther or a tenant or tenants and said property is more commonly known as 124 Saddlehorn 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. Freedom Mortgage Corporation as Attorney in Fact for Justin J Gunther, Jocelyn A Olson McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" File No.: 316021 The Land referred to herein below is situated in the County of EFFINGHAM, State of GA, and is described as follows: All that certain lot, tract or parcel. of land situate, lying and being in the 10th G.M. District, Effingham County, Georgia, being known as Lot 46, Saddlehorn Subdivision, as shown and more particularly described on that certain map or plan made by Warren E. Poythress, R.L.S. #1953, dated June 19, 2000, recorded in Plat Cabinet B. Slide 132-D, in the records of the Clerk of the Superior Court of Effingham County, Georgia, For a more particular description reference is hereby made to the aforesaid plat, which is specifically incorporated herein and made a part hereof. Also conveyed herewith is that certain 2001 Schultz Mobile Home permanently affixed to the land by that Certificate of Permanent Location recorded in Deed Book 1597, Page 103 - 104, Effingham County Records. Being the same property as conveyed from FNT Investments, LLC to Justin J. Gunther and Jocelyn A. Olson as set forth in Deed Book 2485 Page 212 dated 08/27/2018, recorded 08/29/2018, EFFINGHAM County, GEORGIA. Tax ID: 0369B046 MR / KR October 7, 2025 Our file no. 25-18380GA-FT17 25-18380GA 22476 10/1/25 RL