NOTICE OF DEFAULT AND FORECLOSURE SALE  WHEREAS, on May 6, 2010, a certain Mortgage was executed by Lawrence F. Rossner and Toby G. Rossner, as mortgagor in favor of Mortgage Electronic Registration Systems, Inc. as mortgagee as nominee for Financial Freedom Acquisition LLC, as mortgagee, and was recorded on May 7, 2010 in Book LR4202, Page 166 in the Cranston Land Evidence Records, Cranston, Rhode Island; and  WHEREAS, the Mortgage was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and  WHEREAS, the Mortgage is now owned by the Secretary, pursuant to an assignment dated June 5, 2019, and recorded on July 12, 2019, in Book LR5795, Page 201 in the Cranston Land Evidence Records, Cranston, Rhode Island; and  WHEREAS, a default has been made in the covenants and conditions of the Mortgage because of the violation of Paragraph 9 Grounds for Acceleration of Debt: (a)(i) A Borrower dies and the Property is not the principal residence of at least one surviving Borrower and violation of Paragraph 9 Grounds for Acceleration of Debt (b)(i) The Property ceases to be the principal residence of a Borrower for reasons other than death and the Property is not the principal residence of at least one other Borrower; 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, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, recorded on November 20, 2024 in Book LR6868, Page 329 in the Cranston Land Evidence Records, Cranston, Rhode Island, notice is hereby given that on January 13, 2026 at 10:00 AM local time, all real and personal property, if applicable, at or used in connection with the property located at 1000 Chapel View Boulevard, Unit 308, The Building 1000 Residences at Chapel View North Condominium, Cranston, Rhode Island as more particularly described in said Mortgage (“Property”) will be sold at public auction to the highest bidder, subject to any and all outstanding real estate taxes and municipal charges.  The auction will be held at 1000 Chapel View Boulevard, Unit 308, The Building 1000 Residences at Chapel View North Condominium, Cranston, Rhode Island  There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his/her prorata share of any real estate taxes that have been paid by the Secretary past the date of the foreclosure auction.  When making their bids, all bidders except the Secretary, must submit a deposit in the amount of $5,000.00 in the form of a certified check or cashier’s check payable to the Secretary of HUD. The deposit of the successful bidder is nonrefundable and will be applied to the purchase price. The remainder of the purchase price must be delivered within thirty (30) days of the auction or at such other time as the Secretary may determine for good cause shown, time being of the essence. The remainder of the purchase price must be delivered in the form of a certified or cashier’s check made payable to the Secretary of HUD within thirty (30) days of the auction or at such other time as the Secretary may determine for good cause shown, TIME BEING OF THE ESSENCE. If the Secretary is the highest bidder, he/she need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all outstanding real estate taxes, municipal charges, condominium charges, if any, and all other costs associated with the transfer of title. At the conclusion of the auction, the deposits of the unsuccessful bidders will be returned to them.  The Secretary may grant an extension of time within which to close. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be paid in the form of a certified or cashier’s check made payable to the Secretary of HUD and delivered to the Foreclosure Commissioner. If the successful bidder closes prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due at closing.  If the successful bidder is unable to close within the required period, or within any extensions of time granted by the Secretary, the deposit will be forfeited. At the election of the Foreclosure Commissioner after consultation with the HUD representative, the successful high bidder will be liable to HUD for any costs incurred as a result of such failure. The Foreclosure Commissioner may offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. All other terms of the auction would remain the same. If the second highest bidder accepts the Foreclosure Commissioner’s offer, the second highest bidder must remit a deposit in the form of a certified or cashier’s check made payable to the Secretary of HUD within twenty four (24) hours. If the second highest bidder rejects the Foreclosure Commissioner’s offer, no further offers will be made and the auction will be canceled.  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 foreclosure auction as provided herein. HUD does not guarantee that the property will be vacant.  The scheduled auction shall be canceled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than three (3) days before the date of the auction, or otherwise, that the default or defaults upon which the foreclosure is/are based did not exist at the time of service of this Notice of Default and Foreclosure Sale, or all amounts due under the Mortgage are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before the public auction of the property is completed.  Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure auction shall be submitted to the address of the Foreclosure Commissioner provided below. Date: November 21, 2025 Susan W. Cody, Attorney & Foreclosure Commissioner KORDE & ASSOCIATES, P.C. 900 Chelmsford Street, Suite 3102 Lowell, MA 01851 Tel. (978) 256-1500