TS#: 2025-19193-TN Notice Of Substitute Trustee's Sale Whereas, Joyce F McCarter An Unmarried Person. by Deed of Trust (the "Deed of Trust"), dated 10/31/2016 and of record as Instrument Number 201611020028779, in Register's Office of Knox County, Tennessee, conveyed to Independence Title and Escrow Service Inc., Trustee , the hereinafter described real property to secure the payment of a certain Promissory Note (the "Note") described in the Deed of Trust, which Note was payable to American Southwest Mortgage Funding Corp., and subsequently assigned to Freedom Mortgage Corporation, and Whereas, Nestor Solutions of Tennessee, LLC has been duly appointed Substitute Trustee by the owner and holder of the Note by instrument recorded as Instrument Number 202512050032257 in Register's Office of Knox County, Tennessee; and Whereas, default has been made in the payment of the Note; and Whereas, the owner and holder of the Note has demanded that the hereinafter described real property be advertised and sold in satisfaction of the indebtedness and costs of foreclosure in accordance with the terms and provisions of the Note and Deed of Trust. The notice requirements of T.C.A. §35-5-101 and 35-5-104 have been satisfied. Now, Therefore, notice is hereby given that an agent of Nestor Solutions of Tennessee, LLC, Substitute Trustee, pursuant to the power, duty, and authority vested in and conferred by the Deed of Trust, will proceed to sell the below-mentioned property on 1/22/2026, at 11:00 AM at the North Side Entrance at the City County Building, 400 Main Street, Knoxville, TN 37902, to the highest call bidder for cash free from all legal, equitable and statutory rights of redemption, exemptions of homestead, rights by virtue of marriage, and all other exemptions of every kind, all of which have been waived in the Deed of Trust, certain real property located in Knox County, Tennessee, described as follows: Situated In The District Six Of Knox County, Tennessee, And Without The Corporate Limits Of The City Of Knoxville, Tennessee, And Being Known And Designated As Lot 44 Block A, Northfield Estates, Unit 6, As Shown By Map Of Record In Plat Cabinet M, Slide 231-B, In The Register's Office For Knox County, Tennessee, To Which Map Specific Reference Is Hereby Made For A More Particular Description. No New Boundary Line Survey Was Performed At The Time Of This Conveyance. Subject To Restrictions, Easements, Setbacks, And Other Conditions Recorded In Plat Cabinet M, Slide 231B, In The Register's Office For Knox County, Tennessee. Subject To Restrictions, Easements, Setbacks, And Other Conditions Recorded In Deed Book 2082, Page 56, In The Register's Office For Knox County, Tennessee. The street address of the above-described property is believed to be 7809 Branford Ct, Powell, TN 37849, but if such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control. This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: Owner of Property: Joyce F. McCarter, unmarried The United States of America, acting through the Rural Housing Service, Instrument # 202208220012039 The sale is subject to occupant(s) rights in possession of the premises. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If the sale is set aside for any reason, the purchaser at the sale shall be entitled only to a return of the purchase price. The purchaser shall have no further record against the grantor, the grantee or the trustee. Internet Posting Website: https://tennesseepostings.com/ Publication Dates: 12/19/2025 and 12/26/2025 Nestor Solutions of Tennessee, LLC, Substitute Trustee 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone: (888) 403-4115 TS#: 2025-19193-TN December 19, 26 2025 LOKR0425738