Notice of Sale Under Power. State of Georgia, County of CHATHAM. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by SAMMIE LEE SHEPHERD JR to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR BANKSOUTH MORTGAGE COMPANY, LLC, ITS SUCCESSORS AND ASSIGNS , dated 05/28/2020, and Recorded on 05/28/2020 as Book No. 1940 and Page No. 669 683, CHATHAM County, Georgia records, as last assigned to PENNYMAC LOAN SERVICES, LLC (the Secured Creditor), by assignment, conveying the after described property to secure a Note of even date in the original principal amount of $134,518.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the CHATHAM County Courthouse within the legal hours of sale on the first Tuesday in December, 2025, the following described property: ALL THAT CERTAIN LOT, TRACT PARCEL OF LAND SITUATE, LYING AND BEING IN THE STATE OF GEORGIA, COUNTY OF CHATHAM, CITY OF SAVANNAH, GILBERT WART, KNOWN AND DESIGNATED ON A MAP OR PLAN OF PHASE ONE OF CLOVERDALE SUBDIVISION, MADE BY DAN E. SEWELL AND ASSOCIATES, DATED MAY 13, 1958 AND RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF CHATHAM COUNTY, GEORGIA IN SUBDIVISION MAP BOOK "A", PAGE 267, AS LOT NUMBER EIGHTEEN (18), REFERENCE IS HEREBY MADE TO SAID MAP FOR A MORE COMPLETE DESCRIPTION OF SAID LOT AND SAID MAP IS EXPRESSLY MADE A PART OF THIS DESCRIPTION. SUBJECT, HOWEVER TO THAT DECLARATION OF PROTECTION COVENANTS ON CLOVERDALE SUBDIVISION, DATED OCTOBER 22, 1958, AND RECORDED IN OFFICE OF THE CLERK OF SUPERIOR COURT OF CHATHAM COUNTY, GEORGIA IN DEED BOOK 70 U, FOLIO 457. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). PENNYMAC LOAN SERVICES, LLC holds the duly endorsed Note and is the current assignee of the Security Deed to the property. PENNYMAC LOAN SERVICES, LLC, acting on behalf of and, as necessary, in consultation with PENNYMAC LOAN SERVICES, LLC (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44 14 162.2, PENNYMAC LOAN SERVICES, LLC may be contacted at: PENNYMAC LOAN SERVICES, LLC, 3043 TOWNSGATE ROAD, SUITE 200, WESTLAKE VILLAGE, CA 91361, 866 549 3583. Please note that, pursuant to O.C.G.A. § 44 14 162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 1420 AUDUBON DR, SAVANNAH, GEORGIA 31415 is/are: SAMMIE LEE SHEPHERD JR or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. 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. Pursuant to O.C.G.A. Section 9 13 172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. PENNYMAC LOAN SERVICES, LLC as Attorney in Fact for SAMMIE LEE SHEPHERD JR. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 00000010609964 BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP 4004 Belt Line Road, Suite 100 Addison, Texas 75001 Telephone: (972) 341 5398. 11784637