STATE OF GEORGIA COUNTY OF EFFINGHAM NOTICE OF SALE UNDER POWER Pursuant to the power of sale contained in the Security Deed executed by GREGORY KEENAN GOWERS AND KATHERINE GOWERS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR MORTGAGE SOLUTIONS OF COLORADO, LLC in the original principal amount of $274,300.00 dated July 31, 2020, and recorded in Deed Book 2612 , Page 132, Effingham County records, said Security Deed being last transferred to THE SECRETARY OF VETERANS AFFAIRS, AN OFFICER OF THE UNITED STATES in Deed Book 2819 , Page 2827 , Effingham County records, the undersigned will sell at public outcry to the highest bidder for cash, before the Courthouse door in said County, or at such other place as lawfully designated, within the legal hours of sale, on 11/3/2026, the property in said Security Deed and described as follows: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 9TH G.M. DISTRICT, EFFINGHAM COUNTY, GEORGIA, KNOWN AND DESIGNATED AS LOT NUMBER 127, SADDLECLUB AT BELMONT GLEN SUBDIVISION, PHASE 3A, THAT IS SHOWN AND MORE PARTICULARLY DESCRIBED BY THE PLAT OF SURVEY MADE BY P. NATHAN BROWN, GRLS #3185, DATED OCTOBER 2, 2018, RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN DEED BOOK 28, PAGE 397 AND 398, WHICH IS INCORPORATED INTO THIS DESCRIPTION BY SPECIFIC REFERENCE THERETO. SAID PROPERTY IS SUBJECT TO ALL UTILITY EASEMENTS, DRAINAGE EASEMENTS AND BUILDING SETBACK LINES AS SHOWN ON THE AFORESAID PLAT. THIS BEING A PORTION OF THAT PROPERTY CONVEYED BY KONTER DEVELOPMENT COMPANY, INC. TO FAIRCLOTH HOMES OF SAVANNAH, INC. AS EVIDENCED BY THAT CERTAIN WARRANTY DEED DATED OCTOBER 31, 2018, RECORDED IN DEED BOOK 2495, PAGE 916, AFORESAID RECORDS. SUBJECT HOWEVER TO ALL RESTRICTIVE COVENANTS, EASEMENTS AND RIGHTS-OF-WAY OF RECORD. SAID PROPERTY HAVING A TAX ID OF 416A-127 AND A STREET ADDRESS OF 169 SADDLECLUB WAY, GUYTON, GEORGIA 31312. Said property being known as: 189 SADDLECLUB WAY, GUYTON, GA 31312 To the best of the undersigned's knowledge, the party or parties in possession of said property is/are GREGORY KEENAN GOWERS AND KATHERINE GOWERS or tenant(s). The debt secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, failure to pay the indebtedness as provided for in the Note and said Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to the following: (1) any outstanding ad valorem taxes (including taxes which are a lien, whether or not yet due and payable); (2) the right of redemption of any taxing authority; (3) any matters which might be disclosed by an accurate survey and inspection of the property; and (4) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Said sale will be conducted subject to the following: (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. The name, address, and telephone number of the individual or entity who has full authority to negotiate, amend, and modify all terms of the mortgage is as follows: Onity Mortgage Corporation f/k/a PHH Mortgage Corporation 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 800-887-4420 Note that pursuant to O.C.G.A. SS 44-14-162.2, the above individual or entity is not required by law to negotiate, amend, or modify the terms of the mortgage. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. THE SECRETARY OF VETERANS AFFAIRS, AN OFFICER OF THE UNITED STATES, as Attorney-in-Fact for GREGORY KEENAN GOWERS AND KATHERINE GOWERS Robertson, Anschutz, Schneid, Crane & Partners, PLLC 13010 Morris Rd., Suite 450 Alpharetta, GA 30004 Phone: 470-321-7112 Firm File No. 26-393405 24175 10.28.26 RL