NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in that certain Security Deed given by Roxanne A Miller and Colt H Miller, as surviving joint tenants to Mortgage Electronic Registration Systems, Inc., as Grantor, as nominee for Stearns Lending, LLC., its successors and assigns, dated 12/20/2017, and recorded on 12/22/2017, in Instrument No.: 011353, Deed Book 2443, Page 616, Effingham County, Georgia records, The subject Security Deed was modified by Loan Modification recorded as Instrument No. D2022002794, Book 2770, Page 750 and recorded on 03/17/2022 and further recorded on 08/11/2025 in Instrument No. D2025-006188, Book 2989, Page 18 as last assigned to Freedom Mortgage Corporation by assignment recorded on 3/5/2020 in Instrument No.: D2020002139 Deed Book 2577, Page 664, conveying the after-described property to secure a Note in the original principal amount of $134,451.00, with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Effingham County, Georgia, within the legal hours of sale on 8/4/2026, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE 10TH GM DISTRICT, EFFINGHAM COUNTY, GEORGIA, BEING LOT 54, CROSSGATE SUBDIVISION, AS PER PLAT RECORDED IN PLAT CABINET D-21, SLIDES B1-D1, EFFINGHAM COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION. SUBJECT TO ANY EASEMENTS OR RESTRICTIONS OF RECORD. Said property is commonly known as 6 FARRINGTON CIRCLE GUYTON, GA 31312. The indebtedness 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 the sale, as provided in the Security Deed and by law, including attorneys' fees (notice of intent to collect attorneys' fees having been given). The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Freedom Mortgage Corporation, Attention: Loss Mitigation Department, 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939, Telephone No.: (855) 690-5900. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend, or modify the terms of the security instrument. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), 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 other matters of record superior to the Security Deed first set out above. NOTICE TO BIDDERS: Please be advised that the highest bidder ("purchaser") at this trustee's sale may be required to provide information, documentation and/or certification as mandated by applicable federal law, and entity and trust purchaser should be prepared to provide beneficial ownership information as required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after March 1, 2026. If applicable, the required information must be provided to the trustee before a trustee's deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers and https://www.fincen.gov/rre-faqs#D_5. To the best knowledge and belief of the undersigned, the party(ies) in possession of the property is (are) Roxanne A Miller and Colt H Miller, as surviving joint tenants or tenant(s) or other occupants. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) any right of redemption or other lien not extinguished by foreclosure. The sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being Freedom Mortgage Corporation as Attorney in Fact for Roxanne A Miller and Colt H Miller, as surviving joint tenants. Nestor Solutions, LLC 214 5th Street, Suite 205, Huntington Beach, California 92648, (888) 403-4115, TS # 2026-24874-GA. For sale information, visit: https://www.nestortrustee.com/sales-information.com or call (888) 902-3989. 23821 7.29.26 RL