NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on April 09, 2007, a certain mortgage was executed by Carlee Holmes Sr. as mortgagor in favor of Vertical Lend Inc. as mortgagee and was recorded with the Clerk of Gloucester County in Mortgage Book MB Volume 10516 Page 167 or Document#23616 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 738 Wick Boulevard Woodbury, NJ 08096 Block 164.06 FKA 164F; Lot 1 (“Property”); and WHEREAS, entirety and sole owner of the mortgaged premises and being foreclosed herein by plaintiff. Carlee Holmes, Jr. died intestate on March 8, 2023, a resident of the Township of Woodbury, County of Gloucester and State of New Jersey. Melissa Holmes-Tuten qualified as Melissa Holmes-Tuten of the Estate of said decedent by way of a Complaint for Administration filed in the Gloucester County Surrogate’s Office on May 17, 2023, bearing Docket Number #23-00913. Letters of Administration were issued on August 28, 2023, disclosing the following heirs at law and next of kin of decedent: Melissa Holmes-Tuten, Individually and as Administratrix of the Estate of Carlee Holmes, Sr. is hereby a party defendant to this foreclosure action. Carlee Holmes, Jr. is made party defendants to this foreclosure action for any lien, claim or interest they may have in, to or against the mortgaged premises since they are the heirs and next of kin of decedent, Carlee Holmes, Sr. Defendant(s), Melissa Holmes-Tuten, has an ownership interest in the mortgaged premises as a result of the death of Carlee Holmes, Sr. In the event Melissa Holmes-Tuten is married, plaintiff herein joins Mr. or Mrs. Holmes-Tuten, husband or wife of Melissa Holmes-Tuten, the spouse, domestic partner or civil union partner of Melissa Holmes-Tuten, 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, Melissa Holmes-Tuten, although their name is not known at this time. Defendant, Melissa Holmes-Tutenis the heir of decedent and property owner Carlee Holmes, Sr. Defendant(s), Carlee Holmes, Jr., has an ownership interest in the mortgaged premises as a result of the death of Carlee Holmes, Sr. In the event Carlee Holmes, Jr. is married, plaintiff herein joins Mr. or Mrs. Holmes-Tuten, husband or wife of Carlee Holmes, Jr., the spouse, domestic partner or civil union partner of Carlee Holmes, Jr., 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, Carlee Holmes, Jr., although their name is not known at this time. Defendant, Carlee Holmes, Jr. is the heir of decedent and property owner Carlee Holmes, Sr. 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 Carlee Holmes, Sr., record owner of the mortgaged premises who passed away on March 8, 2023, a resident of the Township of Woodbury, County of Gloucester 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 Carlee Holmes, Sr., owner of record of the mortgaged premises who departed this life on March 8, 2023. ;and WHEREAS, the Property was owned by Carlee Holmes Sr. and Nancy J. Holmes by virtue of deed dated 12/7/1978 and recorded 12/21/1978 in Book 1370 Page 616 ;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 9/2/2020 in Book AB Volume 417 Page 108 or Document# 35572, with the Clerk of Gloucester County, New Jersey; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage (paragraph 9 (a)(i)), as Carlee Holmes Nancy J. Holmes died on 3/8/2023 1/11/1998 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 6/9/2025 is $240,449.73 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 10/15/2025; at 10:00 AM at outside the Main Entrance of the Gloucester County Courthouse locates at 1 North Broad Street, Woodbury, New Jersey 08096 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 land, tract or parcel of land and premises situate in the City of Woodbury, County of Gloucester and State of New Jersey, bounded and described according to a survey prepared by Consultant Engineering Service and dated May, 1967, as follows: BEGINNING AT A POINT FORMED BY THE INTERSECTION OF THE SOUTHWESTERLY LINE OF DRISCOLL AVENUE (50 FEET WIDE) AND THE ROUNDED SOUTH EASTERLY CORNER OF DRISCOLL AVENUE AND WICK BOULEVARD (HAVING A RADIUS OF 25 FEET); THENCE (I) SOUTH 69 DEGREES 33 MINUTES EAST ALONG THE SOUTHWESTERLY LINE OF DRISCOLL AVENUE 70 FEET TO THE DIVISION LINE OF LOTS 1 AND 2, BLOCK F ON PLAN HEREINAFTER MENTIONED THENCE (2) SOUTH 20 DEGREES 27 MINUTES WEST ALONG THE LAST MENTIONED DIVISION LINE 95 FEET TO A CORNER COMMON TO LOTS 1,2, AND 16, AND IN THE DIVISION LINE OF LOTS | AND 16, BLOCK F. SAID PLAN; THENCE (3) NORTH 69 DEGREES 33 MINUTES WEST ALONG THE LAST MENTIONED DIVISION LINE 88.93 FEET TO THE CURVED EASTERLY LINE OF WICK BOULEVARD; THENCE (4) CURVING TO THE RIGHT IN A GENERAL NORTHERLY DIRECTION ALONG AND CURVED EASTERLY LINE OF WICK BOULEVARD (HAVING A RADIUS OF 169.95 FEET) AN ARC DISTANCE OF 45.54 FEET TO A POINT OF TANGENCY; THENCE (5) NORTH 20 DEGREES 27 MINUTES EAST (FORMERLY ERRONEOUSLY REFERRED TO AS WEST) ALONG THE EASTERLY LINE OF WICK BOULEVARD (S0 FEET WIDE) 25 FEET TO THE INTERSECTION OF THE EASTERLY LINE OF WICK BOULEVARD AND THE ROUNDED SOUTHEASTERLY CORNER OF DRISCOLL AVENUE AND WICK BOULEVARD; THENCE (6) CURVING TO THE RIGHT IN A GENERAL EASTERLY DIRECTION ALONG THE ROUNDED SOUTHEASTERLY CORNER OF DRISCOLL AVENUE AND WICK BOULEVARD (HAVING A RADIUS OF 25 FEET) AN ARC DISTANCE OF 39.27 FEET TO THE POINT AND PLACE OF BEGINNING. BEING KNOWN AND DESIGNATED AS LOT 1, BLOCK F, ON PLAN OF LOTS OF SECTION 3 OF EVERGREEN PARK HOMES, MADE BY EARL R. DAVIS, P.E. AND L.S., DATED JULY 1950 AND RECORDED IN THE CLERK'S OFFICE OF GLOUCESTER COUNTY, FILE NO. 75. TITLE OF RECORD TO PREMISES IN QUESTION BECAME VESTED IN CHARLES W. YOUNG AND DORIS M. YOUNG, HIS WIFE BY DEED FROM CARL P. FRANK, JR., AND JOAN H. FRANK, HIS WIFE, DATED AUGUST 15, 1974, RECORDED AUGUST 19, 1974 IN BOOK 1268, PAGE 67. BEING ALSO KNOWN AS LOT 1, BLOCK 164F, ON THE TAX MAP OF THE CITY OF WOODBURY. APN: Block 164.06 fka 164F - Lot 1 The sale will be held 10/15/2025; at 10:00 AM at outside the Main Entrance of the Gloucester County Courthouse locates at 1 North Broad Street, Woodbury, New Jersey 08096. The Secretary of Housing and Urban Development will bid $240,449.73 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 $240,449.73 as of 06/09/2025, 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) 9/24, 10/01, 10/08/2025 ($456.30)