NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on November 23, 2010, a certain mortgage was executed by RONALD F. WILL and MARY J. WILL, as mortgagor in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS MORTGAGEE, AS A NOMINEE FOR AMERICAN ADVISORS GROUP, ITS SUCCESSORS AND ASSIGNS as mortgagee and was recorded in Office of the Recorder of Deeds of Lebanon County in Mortgage Book 2230, Page 1908 or Instrument #201615265 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 407 East Elm Street Lebanon, PA 17042, parcel number 00268-0915(“Property”); and WHEREAS, Mortgagor/Record Owner MARY J. WILL died on 01/12/21. By operation of law title vests solely in ROANLD F. WILL and MARY J. WILL is hereby released of liability pursuant to Pa.R.C.P. 1144. ;and WHEREAS, the Property was owned by RONALD F. WILL and MARY J. WILL by virtue of deed dated 9/17/1990 and recorded 9/18/1990 in Book:268 Page:915 ;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 5/29/2025 in Book 2354, Page 652 or Instrument #202506269, in the Office of the Recorder of Deeds of Lebanon County, Pennsylvania; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage (paragraph 9 (a)(i)), as MARY J. WILL died on 01/12/2021 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 7/18/2025 is $245,103.61 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, recorded on in Misc. , in the Office of the Recorder of Deeds of Lebanon County, Pennsylvania, notice is hereby given that on 12/09/2025; at 10:00 AM at the Main Entrance of the Lebanon County Courthouse located at 400 South Eighth Street Lebanon, PA 17042 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: THE LAND DESCRIBED HEREIN IS SITUATED IN THE STATE OF PENNSYLVANIA, COUNTY OF LEBANON, CITY OF LEBANON, AND IS DESCRIBED AS FOLLOWS: ALL THAT CERTAIN LOT OR PARCEL OF LAND LOCATED IN THE EIGHTH WARD, CITY OF LEBANON, KNOWN AS 407 EAST ELM STREET AND REFERENCED AS MAP #534, LOT #118 IN THE LEBANON COUNTY ASSESSMENT OFFICE, TOGETHER WITH THE BUILDING AND IMPROVEMENTS THEREON ERECTED, SITUATE ON THE NORTHWESTERLY SIDE OF EAST ELM STREET BETWEEN SOUTH THIRD AVENUE AND SHIRLEY DRIVE IN THE CITY OF LEBANON. COUNTY OF LEBANON AND COMMONWEALTH OF PENNSYLVANIA. BEING LOT NO. 38 AS SHOWN ON THE REVISED PLAN OF A PORTION OF THE BUILDING LOTS IN THE DEVELOPMENT OF "ROLLING GREEN HEIGHTS” AS LAID OUT FOR THE BAYARD CORP. IN MARCH, 1955 AND RECORDED ON APRIL 4, 1955, IN THE OFFICE FOR THE RECORDING OF DEEDS IN AND FOR THE COUNTY OF LEBANON IN PLAN BOOK 2. PAGE 59, AND BEING MORE PARTICULARLY BOUNDED AND DESCRIBED ACCORDING TO A SURVEY THEREOF MADE BY EVAN & ASSOCIATES DATED AUGUST 15, 1955, AS FOLLOWS, TO WIT: STARTING AT THE POINT OF INTERSECTION OF THE SOUTHEASTERLY SIDE OF SOUTH THIRD AVENUE WITH THE NORTHERLY SIDE OF ELM STREET; THENCE EXTENDING NORTH EIGHTY-FOUR DEGREES TWENTY-SIX MINUTES FORTY SECONDS EAST ALONG A TANGENT LINE TO A CURVE TO THE LEFT. A DISTANCE OF THIRTY-EIGHT AND FOURTEEN ONE-HUNDREDTHS FEET TO A POINT OF INTERSECTION: THENCE EXTENDING NORTH FIFTY-THREE DEGREES TWENTY-TWO MINUTES EAST ALONG ANOTHER TANGENT LINE TO SAID CURVE AND ALONG THE NORTHWESTERLY SIDE OF ELM STREET, A DISTANCE OF THREE HUNDRED FIFTY-THREE AND NINETY-FOUR ONE-HUNDREDTHS FEET TO A POINT; A CORNER OF LOT NO. 37 ON SAID PLAN AND TIIE PLACE OF BEGINNING; THENCE EXTENDING NORTH THIRTY-SIX DEGREES FORTY-FIVE MINUTES WEST ALONG LOT NO. 37, A DISTANCE OF ONE HUNDRED TEN AND SEVENTY-NINE ONE-HUNDREDTHS FEET TO A POINT IN LINE OF LOT NO. 28 ON SAID PLAN; THENCE EXTENDING NORTH FIFTY-THREE DEGREES FIFTEEN MINUTES EAST, ALONG LOT NO. 28 AND LOT NO. 27, A DISTANCE OF SIXTY-SEVEN AND FIFTY ONE-HUNDREDTHS FEET TO A POINT, A CORNER OF LOT NO. 39 ON SAID PLAN; THENCE EXTENDING SOUTH THIRTY-SIX DEGREES FORTY-FIVE MINUTES EAST, ALONG LOT NO. 39, A DISTANCE OF ONE HUNDRED TEN AND NINETY-TWO ONE HUNDREDTHS FEET TO A POINT ON THE NORTHWESTERLY SIDE OF ELM STREET; THENCE EXTENDING SOUTH FIFTY-THREE DEGREES TWENTY-TWO MINUTES WEST ALONG THE NORTHWESTERLY SIDE OF SAID STREET A DISTANCE OF SIXTY-SEVEN AND FIFTY ONE-HUNDREDTHS FEET TO A POINT, THE PLACE OF BEGINNING. PARCEL NUMBER(S): 08 2343609-367524 The sale will be held 12/09/2025; at 10:00 AM at the Main Entrance of the Lebanon County Courthouse located at 400 South Eighth Street Lebanon, PA 17042. The Secretary of Housing and Urban Development will bid $245,103.61 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 $245,103.61 as of 07/18/2025, 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)