NOTICE OF SALE UNDER POWER STATE OF GEORGIA EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by, Austin Barnes and Caitlyn Barnes, to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans, dated 4/1/2025, and recorded on 4/2/2025, as Instrument No. D2025-002434, in Book 2964, Page 962, Effingham County, Georgia Records, as last assigned to as last assignment to Carrington Mortgage Services, LLC by assignment recorded 10/28/2026 as Instrument No. in book 3076, Page 925-926, conveying the after described property securing the payment of a Note in the amount of $341,000.00 with interest thereon as set forth therein. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Security Deed by the Holder, and by virtue of the power of sale and authority vested in it, will on 2/2/2027 sell at public outcry to the highest bidder for cash: During the legal hours of sale before the door of the courthouse of Effingham County, Georgia., the following described property situated in Effingham County, Georgia, to wit: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN EFFINGHAM COUNTY, GEORGIA, KNOWN AS LOT 290, PHASE III-C, PARK WEST SUBDIVISION, ON A MAP THEREOF PREPARED FOR D, R, HORTON, INC., BY THOMAS & HUTTON ENGINEERING, DATED NOVEMBER 30, 2016, RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT CABINET D186, SLIDE F. SAID LOT WAS CONVEYED TO DONALD KEVIN MOORE AND ASHLEY MARIE NELSON-MOORE BY LIMITED WARRANTY DEED DATED JUNE 15, 2020, RECORDED IN DEED BOOK 2599, PAGE 350, IN THE AFORESAID CLERK'S OFFICE. SAID MAP AND DEED ARE INCORPORATED HEREIN BY REFERENCE. 233 BELLFLOWER CIRCLE, GUYTON, GA 31312 PIN #0418F-290-000 SUBJECT, HOWEVER, TO ALL VALID RESTRICTIONS, EASEMENTS AND RIGHTS OF WAY OF RECORD. Tax Parcel ID: 0418F-290000 Being real property commonly known as 233 BELLFLOWER CIRCLE GUYTON, GA 31312 The debt remaining in default, this sale will be made for the purpose of paying the debt and all expenses of this sale including attorney's fees (notice of intent to collect attorney's fees having been given). Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property; and any outstanding taxes, assessments and other liens superior to the security deed being foreclosed hereby. To the best knowledge and belief of the undersigned, the above-described property is in the possession of the borrower and/or other persons with the consent and acquiescence of the borrower. Except to the extent that the Holder may bind and obligate Mortgagors to warrant title to the Property under the terms of the Security Deed, conveyance of the Property shall be made without any representations or warranties whatsoever, express or implied. All sales are "as is", "where is'. The entire purchase price is due and payable at the conclusion of the auction in the form of certified funds. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser. This property is being sold with express reservation that the sale is subject to 1) confirmation and audit of the status of the loan by the holder of the security deed, 2) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, 3) procedures for rescission of sale under O.C.G.A. Section 9-13-172.1, whereby 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 above. Pursuant to O.C.G.A. SS 44-14-162.2, the name, address and telephone number of the person or entity who shall have full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows: Carrington Mortgage Services, LLC, 500 N. State College Blvd., Suites 1030, 1300 & 1400 Orange, CA 92868 , Telephone No.: 800-561-4567 The foregoing notwithstanding, nothing in O.C.G.A. SS 44-14-162.2 shall be construed to require Carrington Mortgage Services, LLC to negotiate, amend, or modify the terms of the Security Deed described herein. Please be advised that the trustee may require entity or trust bidders at this trustee's sale to provide information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a deed under power will be issued for covered transfers. The Buyer may be required to pay charges associated with the gathering and reporting of information to FinCEN. 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 Carrington Mortgage Services, LLC as Attorney in Fact for Austin Barnes and Caitlyn Barnes For Foreclosure sale information please contact Vylla Solutions, LLC, P.O. Box 3309, Anaheim, California 92803, Phone: (888) 313-1969 TS # 26-43130 THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24354 1.27.27 RL