NOTICE OF SALE UNDER POWER, EFFINGHAM COUNTY Pursuant to the Power of Sale contained in a Security Deed given by Patrick B. Anderson to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Homestar Financial Corp., its successors and assigns dated 6/30/2022 and recorded in Deed Book 2793 Page 600 Effingham County, Georgia records; as last transferred to or acquired by PHH Mortgage Corporation, conveying the afterdescribed property to secure a Note in the original principal amount of $343,169.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Effingham County, Georgia (or such other area as designated by Order of the Superior Court of said county), within the legal hours of sale on November 4, 2025 (being the first Tuesday of said month unless said date falls on a Federal Holiday, in which case being the first Wednesday of said month), 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 182, Mossy Hollow Subdivision, that is shown and more particularly described by the plat of survey made by John O. Parker, R.L.S. #1850, dated September 12, 2007, recorded in the Office of the Clerk of the Superior Court of Effingham County, Georgia, in Plat Cabinet D, Slides 11 A-1, 11 B-1, 11 C-1 and 11 D-1, which are incorporated into this description by specific reference thereto. Together with rights to use the streets and utility easements of Mossy Hollow Subdivision, as shown on the above described plat, for the benefit of each and every lot described; and Subject to all restrictive covenants, easements and rights-of-way of record, including specifically, but not limited to, the reservation to Grantor of the unfettered use of any and all streets, sewer and water improvements, including the unilateral right to dedicate such improvements for the public purpose, together with easements therefore, over, through and across each of the abovereferenced lots, all as shown on the abovereferenced plat. This being a portion of that property conveyed by Uphill Both Ways, LLC to Faircloth Homes of Savannah, Inc. as evidenced by that certain Limited Warranty Deed dated March 19, 2021, recorded in Deed Book 2674, page 15, aforesaid records. Said property has a current street address of 16 Belvedere Drive, Guyton, Ga 31312 and a tax identification number of G0210-182-000. 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 of intent to collect attorney's fees having been given). Said property is commonly known as 16 Belvedere Dr, Guyton, GA 31312-5387 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Patrick B. Anderson and Jeraldine Anderson or tenant or tenants. PHH Mortgage Corporation is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage. PHH Mortgage Corporation 1661 Worthington Rd Suite 100 West Palm Beach, FL 33409 (800) 750-2518 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. PHH Mortgage Corporation as agent and Attorney in Fact for Patrick B. Anderson Aldridge Pite, LLP, Six Piedmont Center, 3525 Piedmont Road, N.E., Suite 700, Atlanta, Georgia 30305, (404) 994-7400. 1017-7691A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1017-7691A 22563 10/29/25 RL