IN THE CIRCUIT COURT OF THE FOURTEENTH JUDICIAL CIRCUIT IN AND FOR BAY COUNTY, FLORIDA 25000168CA PHH MORTGAGE CORPORATION, Plaintiff, VS. THE ESTATE OF FRANK WELCOME, DECEASED; LENORA WELCOME; UNITED STATES OF AMERICA - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; GOODLEAP, LLC F/K/A LOANPAL, LLC; KEYPOINT CREDIT UNION; ANY AND ALL UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS Defendant(s). NOTICE OF FORECLOSURE SALE PURSUANT TO CHAPTER 45 NOTICE IS HEREBY GIVEN that sale will be made pursuant to an Order or Final Judgment. Final Judgment was awarded on September 15, 2025 in Civil Case No. 25000168CA, of the Circuit Court of the FOURTEENTH Judicial Circuit in and for Bay County, Florida, wherein, PHH MORTGAGE CORPORATION is the Plaintiff, and THE ESTATE OF FRANK WELCOME, DECEASED; LENORA WELCOME; UNITED STATES OF AMERICA - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; GOODLEAP, LLC F/K/A LOANPAL, LLC; KEYPOINT CREDIT UNION; ANY AND ALL UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS are Defendants.  The Clerk of the Court, Bill Kinsaul will sell to the highest bidder for cash at www.bay.realforeclose.com on November 10, 2025 at 11:00:00 AM CST the following described real property as set forth in said Final Judgment, to wit: LOT 2, IN BLOCK 2, ACCORDING TO THE PLAT OF FIRST ADDITION TO OLD ORCHARD, AS RECORDED IN PLAT BOOK 8, PAGE 1, IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF BAY COUNTY, FLORIDA. Any person claiming an interest in the surplus from the sale, if any, other than the property owner as of the date of the lis pendens must file a claim before the clerk reports the surplus as unclaimed. WITNESS my hand and the seal of the court on September 16, 2025.  CLERK OF COURT Bill Kinsaul Sharon Chambers, Deputy Clerk ALDRIDGE PITE, LLP Attorney for Plaintiff 401 W. Linton Blvd. Suite 202-B Delray Beach, FL 33444 Telephone: 561-392-6391 Facsimile: 561-392-6965 Primary E-Mail: ServiceMail@aldridgepite.com  IMPORTANT AMERICANS WITH DISABILITIES ACT: If you are a person with a disability who needs any accommodation in order to participate in this proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please contact the ADA Coordinator by mail at P. O. Box 1089, Panama City, FL 32402 or by phone at (850) 747-5338 at least seven (7) days before your scheduled court appearance, or immediately upon receiving this notification if the time before the scheduled appearance is less than seven (7) days. If you are hearing impaired, please call 711 or email ADARequest@jud14.flcourts.org. Pub: 9/24/25 10/1/25 #11675151