MORTGAGEE'S NOTICE OF DEFAULT AND INTENTION TO SELL   YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION   NOTICE IS HEREBY GIVEN that on January 20, 2026, at or about 01:30 PM, the subject real property described herein below will be sold at the Main Entrance of the Crawford County Courthouse, 300 Main Street, Van Buren, AR 72956, to the highest bidder for cash. The sale will extinguish all interests, including those of existing lien holders or previous owners in the property. THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER.   WHEREAS, the property secured under the Mortgage is located in Crawford County, Arkansas more particularly described as follows: Lot 44, Northwoods Subdivision, an Addition to the City of Alma, Crawford County, Arkansas according to the Plat filed of record January 4, 1973 and Replat of Northwoods Subdivision filed of record June 5, 1973. Street Address: 1325 Northwoods Drive, Alma, AR 72921 WHEREAS on May 5, 2023, Jeremy Levi Williams and Renae Williams, husband and wife executed a Mortgage in favor of Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Highlands Residential Mortgage, LTD., which was recorded on May 5, 2023 as Instrument Number 2023003825, in the real estate records of Crawford County, Arkansas. The party initiating foreclosure is Alabama Housing Finance Authority and can be contacted at or in care of its servicer initiating foreclosure at: P.O. Box 242828, Montgomery, AL 36124-2928; and WHEREAS, there may be tenants that claim an interest in the real property herein based upon said tenancy; and WHEREAS, the undersigned is the attorney for the mortgagee and is acting on and with the consent and authority of the mortgagee who is exercising its power of sale under Ark. Code Ann. §18-50-115 which implies a power of sale in every mortgage of real property situated in this state that is duly acknowledged and recorded; and default has occurred in the payment of said indebtedness, and the same is now therefore wholly due; and the holder of the debt has requested the undersigned to sell the property to satisfy said indebtedness. The undersigned is an active, licensed member of the Bar of the Supreme Court of the State of Arkansas, and the law firm of the undersigned maintains an office at 415 N. McKinley St., Suite 1177, Little Rock, AR 72205 that is located within the State of Arkansas, is accessible to the public during regular business hours, and has the ability to accept funds from a grantor, mortgagor, or obligor to reinstate or pay off a mortgage or deed of trust. WITNESS my hand this November 7, 2025.   TIMOTHY D. PADGETT, P.A. SUBSTITUTE TRUSTEE FOR ALABAMA HOUSING FINANCE AUTHORITY   By: Renee Price Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520 25-014817-1