NOTICE OF SALE UNDER POWER   STATE OF GEORGIA, COUNTY OF COLUMBIA   By virtue of a Power of Sale contained in that certain Security Deed from Cornelius A. Howard to Mortgage Electronic Registration Systems, Inc., as nominee for Vanderbilt Mortgage and Finance, Inc. dba Silverton Mortgage, dated August 23, 2021 and recorded on August 30, 2021 in Deed Book 13755, Page 282, in the Office of the Clerk of Superior Court of Columbia County, Georgia, said Security Deed having been given to secure a Note of even date, in the original principal amount of Two Hundred Eleven Thousand One Hundred Five and 00/100 dollars ($211,105.00) with interest thereon as provided therein, as last transferred to PennyMac Loan Services LLC, its successors and assigns, recorded in Deed Book 15353, Page 41, aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Columbia County, Georgia, or at such place as has or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday in February, 2026, all property described in said Security Deed including but not limited to the following described property: All that lot or parcel of land, with improvements thereon, situate, lying and being in the State of Georgia, County of Columbia, being shown and designated as Lot 7, Block H, Hidden Creek Subdivision, Section E, Phase I, on a plat recorded in the Office of the Clerk of the Superior Court of Columbia County, Georgia, in PC-G, Slide 71 #1-4; reference being made to said plat for a more complete and accurate description as to the metes, bounds and location of said property. Said property is conveyed subject to and with notice of the following matters: a) drainage easements, building setback lines, and all other matters shown on the plat of record; b) general utility easements and road right-of-way grants and easements. Said property is hereby conveyed subject to Georgia Power Easements recorded in Deed Book 7398, Page 235 and Deed Book 7504, Page 224 in the Office of the Clerk of the Superior Court of Columbia County, Georgia. Said property is hereby conveyed subject to Protective Covenants recorded in aforesaid Clerk's Office in Deed Book 7638, Pages 265-296 and to any and all other easements, restrictions and rights of way of record in the aforesaid Clerk's Office. Said property may more commonly be known as 226 Claudia Dr, Grovetown, GA 30813. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The individual or entity that has full authority to negotiate, amend and modify all terms of the loan is PennyMac Loan Services, LLC, 3043 Townsgate Rd., Westlake Village, CA 91361 818-224-7442. Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: a) zoning ordinances; b) matters which would be disclosed by an accurate survey or by an inspection of the property; c) any outstanding ad valorem taxes, including taxes, which constitute liens upon said property whether or not now due and payable; d) special assessments; e) the right of redemption of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owners and party in possession of the property are Cornelius A. Howard and or tenant(s). The sale will be conducted subject to 1) confirmation that the sale is not prohibited under the U.S. Bankruptcy code and 2) final confirmation and audit of the status of the loan with the holder of the Security Deed. PennyMac Loan Services, LLC as Attorney-in-Fact for Cornelius A. Howard Contact: Padgett Law Group: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 25-016452 Ad Run Dates: 01/09/2026 ,01/16/2026 ,01/23/2026 ,01/30/2026