NOTICE OF SUBSTITUTE TRUSTEE’S SALE   STATE OF MISSISSIPPI COUNTY OF 1ST DISTRICT HINDS   WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated August 12, 2019, executed by JOE LOUIS SMITH conveying certain real property therein described for MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR HOPE FEDERAL CREDIT UNION, Original Beneficiary, to secure the indebtedness therein described, as same appears of record in the Office of the Chancery Clerk of 1st District Hinds County, Mississippi filed and recorded August 14, 2019, in Deed Book 7237, Page 4633, at Instrument Number 1674687; and WHEREAS, the beneficial interest of said Deed of Trust was transferred and assigned to Hope Federal Credit Union; and WHEREAS, Rubin Lublin, LLC has been appointed as Substitute Trustee; and NOW, THEREFORE, the holder of said Deed of Trust, having requested the undersigned so to do, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee shall, on January 16, 2026 within the lawful hours of sale between 11:00AM and 4:00PM at the main north front door of Hinds County Courthouse proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in 1st District Hinds County, Mississippi, to wit:   LOT 59, WINGFIELD WEST, PART 3, A SUBDIVISION ACCORDING TO A MAP OR PLAT THEREOF WHICH IS ON FILE AND OF RECORD IN THE OFFICE OF THE CHANCERY CLERK OF HINDS COUNTY AT JACKSON, MISSISSIPPI IN PLAT BOOK 25 AT PAGE 17, REFERENCE TO WHICH IS HEREBY MADE IN AID OF AND AS A PART OF THIS DESCRIPTION.   PROPERTY ADDRESS: The street address of the property is believed to be 165 GLEN IRIS PL, JACKSON, MS 39204. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control.   Title to the above described property is believed to be good, but I will convey only such title as is vested in me as Substitute Trustee.   THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.   Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100 Peachtree Corners, GA 30071 rlselaw.com/property-listing Tel: (877) 813-0992 Fax: (470) 508-9401   PUBLISH: 12/19/2025, 12/26/2025, 01/02/2026, 01/09/2026 11890259