NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on February 25, 2005, a certain mortgage was executed by Ossie Holland, as mortgagor in favor of BNY MORTGAGE COMPANY, LLC as mortgagee and was recorded with the Clerk of Bergen County in Mortgage Book 14189 Page 391 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 11 Belmont Englewood, NJ 07631 Block 302; Lot 22 (“Property”); and WHEREAS, On January 14, 1974, Earl H. Holland died, leaving Ossie L. Holland, as surviving tenant by the entirety and sole owner of the mortgaged premises and being foreclosed herein by plaintiff. Ossie L. Holland departed this life on December 12, 2019. Ossie L. Holland was the owner of the real property that is the subject of the within foreclosure action. The plaintiff has conducted a diligent inquiry to ascertain if there is a spouse or testamentary devisee or any other heirs at law of Ossie L. Holland surviving. A search with the Bergen County Surrogate’s Office revealed that no probate proceedings have been filed. Plaintiff’s records only contain information regarding two heirs, Sandra Elaine Holland and David Martin Holland, listed in subsection (b) of this paragraph, and Plaintiff is unaware of any other heirs, devisees or spouses. In the event that there are any other heirs at law and next of kin of decedent, Ossie L. Holland, who are now known to plaintiff or are not set forth herein, plaintiff has joined the following persons as party defendants to this foreclosure action for any lien, claim or interest they may have in, to or against the mortgage premises: Ossie L. Holland, deceased, his/her heirs, devisees and personal representatives, and his, her, their or any of their successors in right, title and interest. In the event Sandra Elaine Holland is married, plaintiff herein joins Mr. or Mrs. Holland, husband or wife of Sandra Elaine Holland, the spouse, domestic partner or civil union partner of Sandra Elaine Holland, for any interest whatsoever he/she may have acquired in the mortgage premises, including but not limited to any possessory or dower/curtesy interest he/she may hold in the premises as the spouse of defendant, Sandra Elaine Holland, although their name is not known at this time. Defendant, Sandra Elaine Holland is the heir of decedent and property owner Ossie L. Holland. Defendant, David Martin Holland, has an ownership interest in the mortgaged premises as a result of the death of Ossie L. Holland. In the event David Martin Holland is married, plaintiff herein joins Mr. or Mrs. Holland, husband or wife of David Martin Holland, the spouse, domestic partner or civil union partner of David Martin, for any interest whatsoever he/she may have acquired in the mortgaged premises, including but not limited to any possessory or dower/curtesy interest he/she may hold in the premises as the spouse of Defendant, David Martin Holland, although his/her name is not known at this time. Defendant, Daivd Martin Holland is the heir of decedent and property owner Ossie L. Holland. The State of New Jersey is made a party defendant to this foreclosure action for any state inheritance taxes and/or estate taxes which may be due to the State of New Jersey and which may be a lien against the mortgaged premises by reason of the death of Ossie L. Holland, record owner of the mortgaged premises who passed away on December 12, 2019, a resident of the Township of Englewood, County of Bergen and State of New Jersey. The United States of America is made a defendant to this foreclosure action for any federal estate taxes which may be due to the United States of America and which may be a lien against the mortgaged premises by reason of the death of Ossie L. Holland, owner of record of the mortgaged premises who departed this life on December 12, 2019. ; and WHEREAS, the Property was owned by Earl Holland and Ossie L. Holland, h/w by virtue of deed dated 4/5/1955 and recorded 4/14/1955 in Book:3641 Page:397 Instrument#:8343 ;and WHEREAS, the Mortgage is now owned by the Secretary of the United States Department of Housing and Urban Development ("Secretary"), pursuant to an assignment recorded on 4/22/2016 in V Book 02242 Page 0889 Instrument # 16-030122, with the Clerk of Bergen County, New Jersey; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage (paragraph 9 (a)(i)), as Earl Holland Ossie Holland died on 1/14/1974 12/12/2019 and that upon the death the entire principal balance becomes due and owing, and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS, the entire amount delinquent as of 7/7/2025 is $573,208.87 plus interest, costs and other charges through the sale date; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, l2 U.S.C. 3751 et seq., by 24 CFR Part 29, and by the Secretary's designation of me as Foreclosure Commissioner, notice is hereby given that on 10/07/2025; at 10:00 AM at the Main Entrance of the Bergen County Courthouse located at 10 Main Street, Hackensack, New Jersey 07601 all real property and personal property at or used in connection with the following described premises will be sold at public action to the highest bidder: ALL THAT CERTAIN lot, tract or parcel of land and premises, hereinafter particularly described, situate, lying and being in the City of Englewood, in the County of Bergen and State of New Jersey. BEGINNING at a point in the easterly line of Belmont street distant 100.00 feet from the intersection of the northerly line of Palisade Avenue and the easterly line of Belmont Street, thence (1) north 37 degrees 34 minutes east along the easterly line of Belmont Street a distance of 50.00 feet to a point; thence (2) south 80 degrees 49 minutes 10 seconds east a distance of 163.96 feet to a point; thence (3) south 9 degrees 11 minutes 50 seconds west a distance of 18 feet to a point; thence (4) south 37 degrees 34 minutes west a distance of 95.40 feet to a point; thence (5) north 52 degrees 30 minutes west a distance of 46.30 feet to a point; thence (6) south 37 degrees 34 minutes west a distance of 22.00 feet to a point; thence (7) north 52 degrees 30 minutes west a distance of 103.70 feet to the point or place of beginning. SUBJECT, however, to restrictions of record and municipal zoning ordinances. INFORMATION only: Being municipally known as Block 302 Lot 22 on the Tax Map of the City of Englewood, Bergen County, New Jersey. Block 302 Lot 22 Excepting thereout and therefrom (if any) the premises as more fully described in the following deed: NONE The sale will be held 10/07/2025; at 10:00 AM at the Main Entrance of the Bergen County Courthouse located at 10 Main Street, Hackensack, New Jersey 07601. The Secretary of Housing and Urban Development will bid $573,208.87 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of $573,208.87 as of 07/07/2025, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner's attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent 10% of the Secretary's bid as set forth above in the form of a certified check or cashier's check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within thirty (30) days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for fifteen (15) days, and a fee will be charged in the amount of $150.00 for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashier's check made payable to the Secretary of Housing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder's deposit will be forfeited, and the Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. KML LAW GROUP, P.C. Foreclosure Commissioners (215-825-6305) 9/16, 9/23, 9/30/2025 ($502.92)