NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY By virtue of a Power of Sale contained in that certain Security Deed from NAKIMA O BRADLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR FIRST BANK MORTGAGE A DIVISION OF FIRST BANK OF GEORGIA, dated August 16, 2012, recorded August 21, 2012, in Deed Book 02120, Page 0366, Effingham County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Sixty-Nine Thousand Six Hundred Sixty-Eight and 00/100 dollars ($169,668.00), 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 March, 2026, all property described in said Security Deed including but not limited to the following described property: ALL THAT PIECE, PARCEL OF LAND, SITUATE, LYING AND BEING IN THE COUNTY OF EFFINGHAM, STATE OF GEORGIA, TO WIT; ALL THAT CERTAIN LOT, TRACT, OR PARCEL, OF LAND SITUATE, LYING, AND BEING IN THE 9TH G.M. DISTRICT, COUNTY OF EFFINGHAM, STATE OF GEORGIA. AND BEING KNOWN AND DESIGNATED AS LOT 24 UPON THAT CERTAIN PLAT PREPARED BY SOUTHEAST ENGINEERING AND ENVIRONMENTAL, DATED JANUARY 3. 2007, RECORDED JANUARY 29, 2007 IN PLAT CABINET "C", AT SLIDES 153-C,D,E & F AND SLIDE 154-A IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA. ENTITLED "SUBDIVISION PLAT OF WINDSONG, PHASE I, LOCATED IN THE 9TH GMD, EFFINGHAM COUNTY, GEORGIA," WHICH PLAT IS INCORPORATED HEREIN BY SPECIFIC REFERENCE AND MADE A PART HEREOF. Said legal description being controlling, however the property is more commonly known as 622 TRADEWINDS LOOP, RINCON, GA 31326. 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 NAKIMA O BRADLEY, FLORENCE C BRADLEY, 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 NAKIMA O BRADLEY 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-22-04803-3 Ad Run Dates 02/04/2026, 02/11/2026, 02/18/2026, 02/25/2026 rlselaw.com/property-listing 23074 2.25.26 RL