NOTICE OF DEFAULT AND FORECLOSURE SALE   WHEREAS, on April 29, 2010, a certain mortgage was executed by Helen Carlsen, as mortgagor in favor of Genworth Financial Home Equity Access, Inc. as mortgagee and was recorded with the Clerk of Middlesex County in Mortgage Book 13853 Page 778 or Instr # MG 2010 010225 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 27 Mabaline Road Old Bridge, NJ 08857 Block 15548 fka 548; Lot 108 (“Property”); and WHEREAS, the Property was owned by Helen Carlsen by virtue of deed dated 7/5/1989 and recorded 7/10/1989 in Book 3792 Page 708 ;and WHEREAS, the Mortgage is now owned by the Secretary of the United States Department of Housing and Urban Development ("Secretary"), pursuant to an assignment recorded on 11/3/2016 in Book 1193 Page 598 or Instr # AS 2016 004282, with the Clerk of Middlesex County, New Jersey; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage is in Default Status due to violation of (a)(iii): The Property ceases to be the principal residence of a Borrower for reasons other than death and the Property is not the principal residence of at least one other Borrower the entire principal balance becomes due and owing, and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS, the entire amount delinquent as of 1/27/2026 is $576,456.52 plus interest, costs and other charges through the sale date; 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 Mortgage Foreclosure Act of 1994, l2 U.S.C. 3751 et seq., by 24 CFR Part 29, and by the Secretary's designation of me as Foreclosure Commissioner, notice is hereby given that on 05/07/2026; at 10:00 AM at Outside the Main Entrance of the Heldrich Hotel, 10 Livingston Ave., New Brunswick, NJ all real property and personal property at or used in connection with the following described premises will be sold at public action to the highest bidder:   Tax Map Reference. (N.J.S.A. 46:15-2.1) Municipality of Old Bridge Township Block No. 548 Lot No. 108 Property. The property consists of the land and all the buildings and structures on the land on the Township of Old Bridge (formerly Madison). County of Middlesex and State of New Jersey. The legal description is: BEING known and designated as Lot 108, Block 548, on "Subdivision Plat Crestwood, Section 2, situated in Madison Township, Middlesex County, N.J., drawn by Karl H. Wilber, P.E., Sayreville, NJ., License No. 2493, July 1956, Scale 1" =50' " and filed in the Office of the Clerk of Middlesex County as Map No. 2291 and File No. 946. BEING commonly known as 27 Mabaline Road, Old Bridge, NJ 08857. BEING the same land and premises conveyed to Helen Carlsen, by Deed from Anton Carlsen and Helen Carlsen, his wife, dated 07/05/1989 and recorded 07/10/1989 in the Clerk's Office of Middlesex County in Deed Book 3792 PG 0708.   Block 15548 Lot 108 The sale will be held 05/07/2026; at 10:00 AM at Outside the Main Entrance of the Heldrich Hotel, 10 Livingston Ave., New Brunswick, NJ. The Secretary of Housing and Urban Development will bid $576,456.52 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of $576,456.52 as of 01/27/2026, 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. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent 10% of the Secretary's bid as set forth above in the form of a certified check or cashier's check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within thirty (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 will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery 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 bidders 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 fifteen (15) days, and a fee will be charged in the amount of $150.00 for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashier's check made payable to the Secretary of Housing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder's deposit will be forfeited, 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.   KML LAW GROUP, P.C. Foreclosure Commissioners (215-825-6305) ($374.40)