NOTICE OF SUBSTITUTE TRUSTEE’S SALE   STATE OF MISSISSIPPI COUNTY OF FORREST   WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated March 14, 2007, executed by TAMMIE S CARPENTER and JAMES B. CARPENTER conveying certain real property therein described to W. STEWART ROBISON, as Trustee, for JIM WALTER HOMES, INC., Original Beneficiary, to secure the indebtedness therein described, as same appears of record in the Office of the Chancery Clerk of Forrest County, Mississippi filed and recorded April 19, 2007, in Deed Book 1565, Page 129; and WHEREAS, the beneficial interest of said Deed of Trust was transferred and assigned to U.S. Bank National Association, not in its individual capacity, but solely as Trustee of the NRZ Pass-Through Trust VII-B (Pref); and WHEREAS, Rubin Lublin, LLC has been appointed as Substitute Trustee; and NOW, THEREFORE, the holder of said Deed of Trust, having requested the undersigned so to do, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee shall, on October 10, 2025 within the lawful hours of sale between 11:00AM and 4:00PM at the Northeast Rear Entrance of the Paul B. Johnson Chancery Building, 641 North Main Street, Hattiesburg, MS 39401 proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Forrest County, Mississippi, to wit:   THAT CERTAIN TRACT, PIECE OR PARCEL OF LAND LOCATED IN AND BEING A PART OF SECTION 13, TOWNSHIP 3 NORTH, RANGE 13 WEST, FORREST COUNTY, MISSISSIPPI, AND BEING MORE PARTICULARLY DESCRIBED AS:   COMMENCING AT A 3/4" IRON PIPE AT THE NW CORNER OF THE NW 1/4 OF THE SW 1/4 OF SAID SECTION 13, AND RUN THENCE NORTH 89°47'10" EAST A DISTANCE OF 1,134.64 FEET TO AN IRON PIN, TO AND FOR THE POINT OF BEGINNING; THENCE CONTINUE NORTH 89°47'10" EAST A DISTANCE OF 200.0 FEET; THENCE RUN SOUTH 00°01'33" EAST A DISTANCE OF 1,089.0 FEET; THENCE RUN SOUTH 89°47'10" WEST A DISTANCE OF 200.0 FEET; THENCE RUN NORTH 00°01'33" WEST A DISTANCE OF 1,089.0 FEET TO THE POINT OF BEGINNING. CONTAINING 5.00 ACRES, MORE OR LESS.  AND ALSO: A RIGHT TO INGRESS AND EGRESS ALONG A PERPETUAL, NON-EXCLUSIVE EASEMENT, 40 FEET IN WIDTH, BEING 20 FEET ON EITHER SIDE OF A LINE DESCRIBED BY METES AND BOUNDS, AS FOLLOWS:   COMMENCING AT A 3/4" IRON PIPE AT THE NW CORNER OF THE NW 1/4 OF THE SW 1/4 OF SECTION 13, TOWNSHIP 3 NORTH, RANGE 13 WEST, FORREST COUNTY, MISSISSIPPI, AND RUN THENCE NORTH 89°47'10" EAST A DISTANCE OF 1,334.64 FEET TO AND IRON PIN; THENCE RUN SOUTH 00°01'33" EAST A DISTANCE OF 419.74 FEET TO A POINT IN THE CENTERLINE OF A GRAVEL DRIVE, TO AND FOR THE POINT OF BEGINNING; FROM SAID POINT OF BEGINNING, RUN THE FOLLOWING 26 COURSES AND DISTANCES ALONG SAID CENTERLINE; SOUTH 80°38'20" WEST 129.97 FEET; SOUTH 74°04'37" WEST 73.16 FEET; SOUTH 62°56'24" WEST 71.95 FEET; SOUTH 74°19'42" WEST 63.21 FEET; SOUTH 69°14'52" WEST 82.55 FEET; SOUTH 45°20'53" WEST 41.73 FEET; SOUTH 25°42'16" WEST 45.03 FEET; SOUTH 54°03'15" WEST 35.93 FEET; SOUTH 68°00'01" WEST 72.88 FEET; SOUTH 71°03'50" WEST 74.98 FEET; SOUTH 64°42'34" WEST 54.01 FEET; SOUTH 57°05'35" WEST 64.37 FEET; SOUTH 39°39'21" WEST 87.47 FEET; SOUTH 04°32'10" WEST 91.50 FEET; SOUTH 12°41'02" WEST 69.06 FEET; SOUTH 16°21'14" WEST 77.23 FEET; SOUTH 26°12'15" WEST 66.90 FEET; SOUTH 50°22'24" WEST 35.96 FEET; SOUTH 58°21'29" WEST 69.58 FEET; SOUTH 74°19'33" WEST 106.09 FEET; SOUTH 78°07'31" WEST 35.09 FEET; SOUTH 63°29'36" WEST 43.26 FEET; SOUTH 60°00'37" WEST 93.23 FEET; SOUTH 57°56'24" WEST 101.16 FEET; SOUTH 65°13'27" WEST 55.66 FEET; SOUTH 89°38'33" WEST 566.20 FEET TO THE EAST RIGHT-OF-WAY LINE OF U.S. HIGHWAY NO. 49, AND TO THE POINT OF ENDING. SAID EASEMENT IS PART OF THE NW 1/4 OF THE SW 1/4 AND THE N 1/2 OF THE SW 1/4 OF THE SW 1/4 OF SECTION 13, AND PART OF THE N 1/2 OF THE SE 1/4 OF THE SE 1/4 OF SECTION 14, ALL IN TOWNSHIP 3 NORTH, RANGE 13 WEST, FORREST COUNTY, MISSISSIPPI.   PROPERTY ADDRESS: The street address of the property is believed to be 84 FAYE LN, HATTIESBURG, MS 39401. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control.   Title to the above described property is believed to be good, but I will convey only such title as is vested in me as Substitute Trustee.   THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100 Peachtree Corners, GA 30071 rlselaw.com/property-listing Tel: (877) 813-0992 Fax: (470) 508-9401 PUBLISH: 09/12/2025, 09/19/2025, 09/26/2025, 10/03/2025  #11612771