Notice of Sale Under Power. State of Georgia, County of LIBERTY. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JERRY SIMMONS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS, ITS SUCCESSORS AND ASSIGNS , dated 02/22/2024, and Recorded on 02/26/2024 as Book No. 2331 and Page No. 61-76, LIBERTY 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 $217,450.00, 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 LIBERTY County Courthouse within the legal hours of sale on the first Tuesday in October, 2025, the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 1458TH G. M. DISTRICT OF LIBERTY COUNTY, GEORGIA, BEING KNOWN AND DESIGNATED AS LOT NO. 5, HUNTERS BRANCH SUBDIVISION, PHASE I, AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY JOE P. DAVIS, GEORGIA REGISTERED LAND SURVEYOR NO. 1436, DATED OCTOBER 27, 1995, AND RECORDED IN PLAT SECTION K-6, PAGE 1, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA, SAID PLAT BY SPECI FIE REFERENCE IS MADE A PART HEREOF FOR DESCRIPTIVE AND ALL OTHER PURPOSES. SAID LOT OF LAND BEING BOUNDED, NOW OR FORMERLY, AS FOLLOWS: NORTHERLY BY LOT NO. 53 AND LOT NO. 52; EASTERLY BY LOT NO. 6; SOUTHERLY BY THE RIGHT OF WAY OF TALMADGE ROAD; AND WESTERLY BY LOT NO. 4, ALL AS SHOWN ON THE ABOVE REFERRED TO PLAT OF SURVEY. THIS CONVEYANCE IS MADE SUBJECT TO THOSE CERTAIN RESTRICTIVE COVENANTS OF HUNTERS BRANCH SUBDIVISION, PHASE I, DATED JANUARY 6, 1995, AND RECORDED IN DEED BOOK 682, PAGES 174-183, AND THAT CERTAIN RESTRICTIVE COVENANT, DATED MARCH 24, 1995, AND RECORDED IN DEED BOOK 690, PAGES 22-24, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 15' UTILITY EASEMENT AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY JOE P. DAVIS, GEORGIA REGISTERED LAND SURVEYOR NO. 1436, DATED OCTOBER 27, 1995, AND RECORDED IN PLAT SECTION K-6, PAGE 1, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 10' DRAINAGE EASEMENT AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY JOE P. DAVIS, GEORGIA REGISTERED LAND SURVEYOR NO. 1436. DATED OCTOBER 27, 1995, AND RECORDED IN PLAT SECTION K-6, PAGE 1, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THAT CERTAIN 25' BUILDING SETBACK LINE AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY JOE P. DAVIS, GEORGIA REGISTERED LAND SURVEYOR NO. 1436, DATED OCTOBER 27, 1995, AND RECORDED IN PLAT SECTION K-6, PAGE 1, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY. GEORGIA. THIS CONVEYANCE IS ALSO MADE SUBJECT TO THOSE CERTAIN OIL, GAS, MINERALS AND OTHER SUBSTANCE RESERVATIONS AS CONATINED IN THAT CERTAIN WARRANTY DEED FROM UNION CAMP CORPORATION TO CLAUDE L. DRYDEN, JR. AND LORETTA R. DRYDEN, DATED JUNE 24, 1994, AND RECORDED IN DEED BOOK 659, PAGES 211-213, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. 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 1796 TALMADGE RD, ALLENHURST, GEORGIA 31301 is/are: JERRY SIMMONS 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 JERRY SIMMONS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 00000010554376 BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP 4004 Belt Line Road, Suite 100 Addison, Texas 75001 Telephone: (972) 341-5398. 51762 10/2/25 RL