MORTGAGEE’S NOTICE OF SALE OF REAL ESTATE   By virtue and in execution of the Power of Sale contained in a certain Mortgage given by Richard J. Cichowski Jr. and Georgia Cichowski to Mortgage Electronic Registration Systems, Inc., as nominee for ERA Mortgage Corporation, It's successors and assigns, dated July 27, 2007 and recorded with the Worcester County (Worcester District) Registry of Deeds at Book 41553, Page 341 as affected by a Loan Modification recorded on September 12, 2011 in Said Registry of Deeds at Book 47818, Page 251 as affected by a Loan Modification recorded on September 17, 2014 in Said Registry of Deeds at Book 52805, Page 334 as affected by a Loan Modification recorded on January 9, 2015 in Said Registry of Deeds at Book 53248, Page 190, subsequently assigned to PHH MORTGAGE CORPORATION by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS A NOMINEE FOR ERA MORTGAGE CORPORATION by assignment recorded in said Worcester County (Worcester District) Registry of Deeds at Book 47061, Page 364, subsequently assigned to PHH MORTGAGE CORPORATION by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR ERA MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS by assignment recorded in said Worcester County (Worcester District) Registry of Deeds at Book 52423, Page 396, subsequently assigned to NEW RESIDENTIAL MORTGAGE LLC by PHH MORTGAGE CORPORATION by assignment recorded in said Worcester County (Worcester District) Registry of Deeds at Book 63713, Page 254, subsequently assigned to U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE OF CITIGROUP MORTGAGE LOAN TRUST 2021-A by NEW RESIDENTIAL MORTGAGE LLC by assignment recorded in said Worcester County (Worcester District) Registry of Deeds at Book 66981, Page 196 for breach of the conditions of said Mortgage and for the purpose of foreclosing same will be sold at Public Auction at 11:00 AM on January 20, 2026 at 11 Ferncroft Road, Leicester, MA, all and singular the premises described in said Mortgage, to wit:   The land in Leicester on the northeast side of Ferncroft Road, being shown as Lot 68 on plan of section 1, Meadow Lake Shores, dated may 29, 1956, approved by the Planning Board and recorded in Plan Book 216, Plan 101.   According to said plan, said Lot 68 has 14,420 square feet of land.   Being the same premises as conveyed to mortgagors by deed recorded herewith.   Book 41553 Page 339   The premises are to be sold subject to and with the benefit of all easements, restrictions, encroachments, building and zoning laws, liens, unpaid taxes, tax titles, water bills, municipal liens and assessments, rights of tenants and parties in possession, and attorney’s fees and costs.   TERMS OF SALE: A deposit of FIVE THOUSAND DOLLARS AND 00 CENTS ($5,000.00) in the form of a certified check, bank treasurer’s check or money order will be required to be delivered at or before the time the bid is offered. The successful bidder will be required to execute a Foreclosure Sale Agreement immediately after the close of the bidding. The balance of the purchase price shall be paid within thirty (30) days from the sale date in the form of a certified check, bank treasurer’s check or other check satisfactory to Mortgagee’s attorney. The Mortgagee reserves the right to bid at the sale, to reject any and all bids, to continue the sale and to amend the terms of the sale by written or oral announcement made before or during the foreclosure sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The description of the premises contained in said mortgage shall control in the event of an error in this publication. TIME WILL BE OF THE ESSENCE.   Other terms, if any, to be announced at the sale.   U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE OF CITIGROUP MORTGAGE LOAN TRUST 2021-A   Present Holder of said Mortgage, By Its Attorneys, ORLANS LAW GROUP PLLC PO Box 540540 Waltham, MA 02454 Phone: (781) 790-7800 24-003443 12/30/2025, 1/6, 1/13/2026