NOTICE OF DEFAULT AND FORECLOSURE SALE LEGAL NOTICE WHEREAS, on September 20, 2007, a certain Deed of Mortgage was executed by Eloise R. Denny, deceased, as mortgagor (grantor) in favor of American Reverse Mortgage Corporation, as mortgagee (grantee) and was recorded on October 17, 2007, in 200710170181475, in the Office of the Recorder, Franklin County, Ohio; and WHEREAS the Deed of Mortgage was insured by the 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 Deed of Mortgage is now owned by the Secretary, pursuant to a Corrective Assignment dated April 20, 2016 and recorded on April 27, 2016 in Instrument Number 201604270051805 in the Office of the Recorder Franklin County, Ohio; and WHEREAS a default has been made in the covenants and conditions of the Mortgage in that the payment due on April 18, 2022 was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS the entire amount delinquent as of December 3, 2025,is $192, 652.19; 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 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 July 17, 2020, in Instrument Number 202007170103358, notice is hereby given that, on January 28, 2026 at 10:00 a.m. local time, all real and personal property at or used in connection with the following described premises ("Property"), will be sold at public auction to the highest bidder(s): LEGAL DESCRIPTION ALL THAT CERTAIN LAND SITUATED IN THE STATE OF OHIO, COUNTY OF FRANKLIN, CITY OF GROVE CITY DESCRIBED AS FOLLOWS: BEING UNIT NUMBER 3577, IN PHASE VII, IN THE VILLAGE AT HUNTERS CROSSING CONDOMINIUMS, AS THE SAME IS NUMBERED, DESIGNATED, DELINEATED AND DESCRIBED IN THE DECLARATION, BYLAWS AND DRAWINGS THEREOF, OF RECORD, RESPECTIVELY, IN ORV 24730, PAGE D20, AND AMENDED IN ORV 25760, PAGE D06, ORV 25760, PAGE D12, ORV 25760, PAGE D19, ORV 25760, PAGE E05; ORV 25760, PAGE E12, ORV 25760, PAGE E18, ORV 25760, PAGE F05 AND ORV 25760, PAGE F11, AND CONDOMINIUM PLAT BOOK 57, PAGE 110, AND AMENDED IN CONDOMINIUM PLAT BOOK 59, PAGE 18, CONDOMINIUM PLAT BOOK 59. PAGE 19, CONDOMINIUM PLAT BOOK 59, PAGE 20, CONDOMINIUM PLAT BOOK 59, PAGE 21, CONDOMINIUM PLAT BOOK 59, PAGE 22, CONDOMINIUM PLAT BOOK 59, PAGE 23, CONDOMINIUM BOOK 59, PAGE 24, CONDOMINIUM PLAT BOOK 59, PAGE 25, RECORDER'S OFFICE, FRANKLIN COUNTY, OHIO Commonly known as: 3577 Hunters Crossing Dr Grove City, OH 43123 Permanent Parcel Number: 040-008630-00 The sale will be in the lobby of the Franklin County Court of Common Pleas, 345 South High St., Columbus, OH 43215. The United States Secretary of Housing and Urban Development will bid $195,551.31, plus any additional accrual, fees, costs or charges incurred by the Secretary up to the date of sale. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser(s) will pay, at or before closing, his (their) pro-rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders, except the Secretary, must submit a deposit totaling $19, 555.13 in the form of a certified check or cashier's check made out to the Secretary of Housing and Urban Development. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $19, 555.31 must be presented before the bidding is closed. The deposit is non-refundable. The remainder of the purchase price must be delivered within 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(s) will pay all conveyancing fees, all real estate and other taxes that are due on or after the delivery date 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 bidder(s) 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 15-day increments for a fee of $500, paid in advance. The extension fee shall be paid in the form of a certified or cashier's check made payable to the United States Secretary of Housing and Urban Development. If the high bidder(s) close(s) the sale 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 high bidder(s) is/are unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit, or at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to the Secretary for any costs incurred as a result of such failure, 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. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier's check payable to the United States Secretary of Housing and Urban Development, before public auction of the property is completed. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is $76,691.76 as of December 3, 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. Tender of payment by certified or cashier's check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. This Instrument prepared by: Mark R. Lembright, Esq. 4807 Rockside Road, Suite 200 Independence, OH 44131 Firm # 23-001059