NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF LIBERTY By virtue of a Power of Sale contained in that certain Security Deed from Claudette Spencer and Livingston Spencer to Mortgage Electronic Registration Systems, Inc., as nominee for New American Funding, dated December 19, 2022 and recorded on December 22, 2022 in Deed Book 2268, Page 921 Instrument Number D2022010857, in the Office of the Clerk of Superior Court of Liberty County, Georgia, said Security Deed having been given to secure a Note of even date, in the original principal amount of Two Hundred Ninety-Seven Thousand Five Hundred Six and 00/100 dollars ($297,506.00) with interest thereon as provided therein, as last transferred to New American Funding F/K/A Broker Solutions, Inc., D/B/A New American Funding, recorded in Deed Book 2434, Page 231, aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Liberty County, Georgia, or at such place as has or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday in January, 2026, all property described in said Security Deed including but not limited to the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 1756TH G. M. DISTRICT OF LIBERTY COUNTY, GEORGIA, AND BEING IN THE CITY OF HINESVILLE, BEING KNOWN AND DESIGNATED AS LOT NO. 92, THE GARDENS AT FIFTEEN WEST SUBDIVISION, PHASE 2, AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF DECEMBER 5, 2022, AND A PLAT DATE OF DECEMBER 8, 2022, AND BEING RECORDED IN PLAT BOOK 26, PAGE 175, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA, SAID PLAT BY SPECIFIC REFERENCE IS MADE A PART HEREOF FOR DESCRIPTIVE AND ALL OTHER PURPOSES. SAID LOT OF LAND BEING BOUNDED, NOW OR FORMERLY, AS FOLLOWS: NORTHERLY BY LOT NO. 91; EASTERLY BY DETENTION AREA 1; SOUTHERLY BY LOT NO. 93, AND WESTERLY BY BRIGHTLEAF CIRCLE (60` R/W) ALL AS SHOWN ON THE ABOVE REFERRED TO PLAT OF SURVEY. THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE GARDENS AT FIFTEEN WEST SUBDIVISION, DATED JULY 8, 2022, AND RECORDED IN DEED BOOK 2243, PAGES 316-374; AND THAT CERTAIN FIRST AMENDMENT TO DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE GARDENS AT FIFTEEN WEST SUBDIVISION, DATED OCTOBER 20, 2022, AND RECORDED IN DEED BOOK 2259, PAGES 718-722, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 10` TREE EASEMENT AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF DECEMBER 5, 2022, AND A PLAT DATE OF DECEMBER 8, 2022, AND BEING RECORDED IN PLAT BOOK 26, PAGE 175, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 5` UTILITY EASEMENT AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF DECEMBER 5, 2022, AND A PLAT DATE OF DECEMBER 8, 2022, AND BEING RECORDED IN PLAT BOOK 26, PAGE 175, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 10` DRAINAGE EASEMENT AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF DECEMBER 5, 2022, AND A PLAT DATE OF DECEMBER 8, 2022, AND BEING RECORDED IN PLAT BOOK 26, PAGE 175, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. Said property may more commonly be known as 269 Brightleaf Circle, Hinesville, GA 31313. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney's fees (notice of intent to collect attorney's fees having been given). The individual or entity that has full authority to negotiate, amend and modify all terms of the loan is New American Funding, LLC, New American Funding c/o Home Retention Department, 8201 North FM 620, Suite 120, Austin, TX 78726, 1-800-893-5304. 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: a) zoning ordinances; b) matters which would be disclosed by an accurate survey or by an inspection of the property; c) any outstanding ad valorem taxes, including taxes, which constitute liens upon said property whether or not now due and payable; d) special assessments; e) the right of redemption of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owners and party in possession of the property are Claudette Spencer and Livingston Spencer and or tenant(s). 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. New American Funding, LLC as Attorney-in-Fact for Claudette Spencer and Livingston Spencer Contact: Padgett Law Group: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 25-014091-1 Ad Run Dates: 12/11/2025 ,12/18/2025 ,12/25/2025 ,01/01/2026. 52428 1.1.26 RL