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 November 21, 2025, at or about 10:30 AM, the subject real property described herein below will be sold at the Main Entrance to the Sebastian County Courthouse, 35 South 6th Street, Fort Smith, AR 72901 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 Sebastian (Fort Smith District) County, Arkansas more particularly described as follows: Lot 43 Colony Place No. 2, an Addition to the City of Fort Smith, Sebastian County, Arkansas, according to plat filed of record March 31, 1964. Less and except minerals and mineral rights. Street Address: 108 Fordham Circle, Fort Smith, AR 72908 WHEREAS on November 22, 2023, Eugenio Santos, an unmarried man, and Joselin P. Santos, a married woman, and Victor Rivera executed a Mortgage in favor of Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for SWBC Mortgage Corp., which was recorded on November 22, 2023 as Instrument Number 2023-23243, in the real estate records of Sebastian (Fort Smith District) County, Arkansas. The beneficial interest of said Mortgage has been assigned to SWBC Mortgage Corporation, which is the party initiating foreclosure. The party initiating foreclosure is SWBC Mortgage Corporation and can be contacted at or in care of its servicer initiating foreclosure at: 425 Phillips Blvd, Ewing, NJ 08618; 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 September 19, 2025. TIMOTHY D. PADGETT, P.A. SUBSTITUTE TRUSTEE FOR SWBC MORTGAGE CORPORATION By:  Renee Price Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520 25-011182