APN: 020-223-16 AKA 20-223-16 T.S. No.: 25-14613 Loan No.: ******6796NOTICE OF TRUSTEE'S SALE IMPORTANT NOTICE TO PROPERTY OWNER YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 10/16/2019. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 12/12/2025 at 11:00 AM, Prestige Default Services, LLC, as duly appointed Trustee WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH at the At the Lyon County Courthouse, 31 S. Main Street, Yerington, NV 89447, all right, title and interest conveyed to and now held by it under and pursuant to Deed of Trust recorded on 10/23/2019, as Instrument No. 604429, of the official records in the Office of the Recorder of Lyon County, Nevada, executed by RYAN S. ROSS AND JESSIE L. ROSS, HUSBAND AND WIFE AS JOINT TENANTS, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (''MERS''), AS BENEFICIARY, AS NOMINEE FOR EVERGREEN MONEYSOURCE MORTGAGE COMPANY, ITS SUCCESSORS AND ASSIGNS as Beneficiary, all that certain property situated in said County and State, and more commonly described as: LOT 18 BLOCK 7, AS SHOWN ON THE OFFICIAL MAP OF GOOD EARTH SUBDIVISION, RECORDED IN THE OFFICIAL RECORDS OF LYON COUNTY, NEVADA ON AUGUST 14, 1978, AS DOCUMENT NO. 39558. A.P.N.: 020-223-16 AKA 20-223-16 The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 848 C ST, Fernley, Nevada 89408 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown above. Said sale will be made, but without covenant or warranty expressed or implied, regarding title, possession or encumbrances, to pay the remaining unpaid principal balance of $232,620.74, the obligations secured by the property to be sold and reasonably estimated costs, expenses and advances as of the first publication date of this Notice of Trustee’s Sale. Accrued interest and additional advances, if any, will increase the figure prior to sale. The property offered for sale excludes all funds held on account by the property receiver, if applicable. Beneficiary's bid at sale may include all or part of said amount. In addition to cash, the Trustee will accept, all payable at time of sale in lawful money of the United States a Cashier's check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in the applicable sections of the Nevada Administrative Code and authorized to do business in the State of Nevada, or other such funds acceptable to the Trustee. The Beneficiary under the Deed of Trust heretofore executed and delivered to the undersigned, a written Declaration of Default and Demand for Sale. The undersigned caused said Notice of Breach and Default and of Election to Cause Sale of Real Property Under Deed of Trust to be recorded in the County where the real property is located and more than three months have elapsed since such recording. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse.SALE INFORMATION CAN BE OBTAINED ONLINE AT https://prestigepostandpub.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: (949) 776-4697 Date: November 11, 2025   PRESTIGE DEFAULT SERVICES, LLC 1920 Old Tustin Ave. Santa Ana, California 92705 Sale Line: (949) 776-4697 Nida Taylor, Foreclosure Coordinator PPP #25-04917 11/19, 11/26, 12/3/25 #11835491