Notice of Sale Under Power. State of Georgia, County of EFFINGHAM. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by STEPHEN M SEARS AND ERIN B SENSING, BOTH UNMARRIED to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR PENNYMAC LOAN SERVICES,LLC., ITS SUCCESSORS AND ASSIGNS , dated 07/26/2019, and Recorded on 08/08/2019 as Book No. 2539 and Page No. 398-411, AS AFFECTED BY MODIFICATION BOOK 2787, PAGE 982-990, EFFINGHAM County, Georgia records, as last assigned to PENNYMAC LOAN SERVICES, LLC (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $194,879.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the EFFINGHAM County Courthouse within the legal hours of sale on the first Tuesday in May, 2024, the following described property: SITUATED IN THE 9TH GMD, COUNTY OF EFFINGHAM, STATE OF GEORGIA: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 9TH GMD, EFFINGHAM COUNTY, GEORGIA, AND BEING KNOWN AND DESIGNATED AS LOTS 26 AND 28, TOWN OF RINCON AS SHOWN ON THAT CERTAIN MAP OR PLAT MADE BY WILDER SURVEYING AND MAPPING AND RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA IN PLAT CABINET A, SLIDE 218-A.SAID MAP OR PLAT IS INCORPORATED HEREIN BY SPECIFIC REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY HEREIN CONVEYED. TAX ID NO: R2040-025-000 (PERCEL NO.) 938690 (ACCOUNT NO.) BEING THE SAME PROPERTY CONVEYED BY WARRANTY DEED GRANTOR: CHRISTI RICKER AND BRIAN C. RICKER GRANTEE: STEPHEN M. SEARS AND ERIN B. SENSING DATED: 05/18/2018 RECORDED: 05/22/2018 DOC#/BOOK-PAGE: NA / 2467-510 ADDRESS: 102 N SAVANNAG AVE, RINCON, GA 31326 The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). PENNYMAC LOAN SERVICES, LLC holds the duly endorsed Note and is the current assignee of the Security Deed to the property. PENNYMAC LOAN SERVICES, LLC, acting on behalf of and, as necessary, in consultation with PENNYMAC LOAN SERVICES, LLC (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. SS 44-14-162.2, PENNYMAC LOAN SERVICES, LLC may be contacted at: PENNYMAC LOAN SERVICES, LLC, 3043 TOWNSGATE ROAD, SUITE 200, WESTLAKE VILLAGE, CA 91361, 866-549-3583. Please note that, pursuant to O.C.G.A. SS 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 102 N SAVANNAH AVE, RINCON, GEORGIA 31326 is/are: STEPHEN M SEARS AND ERIN B SENSING, BOTH UNMARRIED or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. 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. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. PENNYMAC LOAN SERVICES, LLC as Attorney in Fact for STEPHEN M SEARS AND ERIN B SENSING, BOTH UNMARRIED. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 00000010044188 BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP 4004 Belt Line Road, Suite 100 Addison, Texas 75001 Telephone: (972) 341-5398. 20025 5/1/24 RL