NOTICE OF SALE UNDER POWER GEORGIA, NEWTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Cheryl D Hardy to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Americahomekey, Inc., its successors and assigns. dated July 15, 2009, recorded in Deed Book 2738, Page 396, Newton County, Georgia Records, as last transferred to Georgia Housing and Finance Authority by assignment recorded in Deed Book 2809, Page 564, Newton County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SEVEN THOUSAND SIX HUNDRED FORTY-FIVE AND 0/100 DOLLARS ($127,645.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Newton County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in October, 2025, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed 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 Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice pursuant to O.C.G.A. SS 13-1-11 having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and any matters of record including, but not limited to, those superior to the Security Deed first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. Georgia Housing and Finance Authority is the holder of the Security Deed to the property in accordance with OCGA SS 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: State Home Mortgage, 60 Executive Park South, Atlanta, GA 30329, 404-679-4908/-3133. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party in possession of the property is Cheryl D Hardy or a tenant or tenants and said property is more commonly known as 175 Harrison Circle, Covington, GA 30016. Should a conflict arise between the property address and the legal description the legal description will control. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Georgia Housing and Finance Authority as Attorney in Fact for Cheryl D Hardy McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 106 OF THE 10TH DISTRICT, NEWTON COUNTY, GEORGIA, BEING LOT 165, THE LEGENDS OF ELLINGTON SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 42, PAGE 80-95, NEWTON COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. SUBJECT TO ANY EASEMENTS OR RESTRICTIONS OF RECORD. MR / CA October 7, 2025 Our file no. 25-18268GA-FT17 25-18268GA PUBLIC NOTICE #702810 9/7,14,21,28