NOTICE OF SALE UNDER POWER, EFFINGHAM COUNTY Pursuant to the Power of Sale contained in a Security Deed given by Nicolle Zoe Gaete to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Lennar Mortgage, LLC, its successors and assigns. dated 11/30/2022 and recorded in Deed Book 2820 Page 903 and modified at Deed Book 2891 Page 995 Effingham County, Georgia records; as last transferred to or acquired by PENNYMAC LOAN SERVICES, LLC, conveying the after-described property to secure a Note in the original principal amount of $422,246.00, 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 March 3, 2026 (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: PROPERTY ADDRESS: 226 Lillian Street, Rincon, GA 31326 COUNTY: Effingham All those certain lots, tracts or parcels of land situate, lying and being in Effingham County, Georgia known as Lot 53, GMD 9, Phase Two, Rain Dance Subdivision, upon a map thereof prepared for Pine Hill Group, LLC, by Atlas Surveying, Inc., dated January 4, 2022, recorded in Plat Book 29, Page 256, in the Office of the Clerk of Superior Court of Effingham County, Georgia. This being the same property conveyed to Nicolle Zoe Gaete from Lennar Georgia, LLC, a Georgia limited liability company as sucessor by conversion of Lennar Georgia, Inc., a Georgia corporation by deed recorded simultaneously herewith in the Register of Deeds Office for Effingham County, Georgia. The within mortgage was prepared in the office of The Bannon Law Group LLC, 10 Westbury Park Way, Ste. A, Bluffton, SC 29910. Tax Map Reference No.: 0445D053 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 226 Lillian St, Rincon, GA 31326 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): Nicolle Zoe Gaete or tenant or tenants. PennyMac Loan Services, LLC is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage. PennyMac Loan Services, LLC Loss Mitigation 3043 Townsgate Road #200, Westlake Village, CA 91361 1-866-549-3583 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. PENNYMAC LOAN SERVICES, LLC as agent and Attorney in Fact for Nicolle Zoe Gaete Aldridge Pite, LLP, Six Piedmont Center, 3525 Piedmont Road, N.E., Suite 700, Atlanta, Georgia 30305, (404) 994-7400. 1120-4777A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1120-4777A 23076 2.25.26 RL