L1239 NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, 28th day of March, 2011, a certain Mortgage was executed Betty S. McBrayer, an unmarried woman, as mortgagor in favor of Mortgage Electronic Registration Systems, Inc., solely as nominee for Security One Lending and was recorded on April 11, 2011,in Mtg Book 2136, Page 535, in the Office of the Judge of Probate of Houston County, Alabama; and WHEREAS, the Mortgage was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the Mortgage is now owned by the Secretary, pursuant to an assignment; said mortgage transferred and assigned to Nationstar Mortgage d/b/a Champion Mortgage Company, dated August 30, 2012 and recorded on October 3, 2012 in MTGASG Book 97, Page 169; said mortgage transferred and assigned via corrective assignment to Nationstar Mortgage, LLC d/b/a Champion Mortgage Company, dated December 7, 2012 and recorded on December 31, 2012 in MTGASG Book 97, Page 426; said mortgage transferred and assigned to the Secretary dated July 19, 2018 and recorded on July 19, 2018 in MTGASG Book 103, Page 567; in the Office of the Judge of Probate of Houston County, Alabama; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage in that the payment due on November 19, 2019 was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of December 19, 2019 is $121,474.68; 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, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, recorded in MISC Book 369, Page 259, in the Probate Records of Houston County, Alabama, notice is hereby giving that on the 20th day of August, 2020 between the hours of 11:00 am and 4:00 pm, local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction in front of the main entrance of the Houston County, Alabama, Courthouse, in the City of Dothan, Houston County, Alabama, to the highest bidder: Lot 8, Block “A,” Chestnut Ridge Subdivision, a Subdivision in the City of Dothan, Alabama, as per map or plat of same recorded in Plat Book 7, Page 85, in the Office of the Judge of Probate of Houston County, Alabama. Property Address: 110 Woodcreek Drive, Dothan, AL 36301 Property being sold “AS IS”. Property is subject to any title deficiencies. No representation is made as to the title to the subject property. Commonly known as: 110 Woodcreek Drive, Dothan, AL 36301. The Secretary of Housing and Urban Development will bid $126,948.18 plus interest, fees and costs. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorate share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $12,694.82 [10% of the Secretary’s bid] in the form of a certified check or cashier’s check made out to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $12,694.82 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 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 bid deposits, must be delivered in form of a certified or cashier’s check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At 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 extension will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check may payable to the Secretary of HUD. 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 may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD 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 or 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 accordance with terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure sale is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid in if the mortgage is to be reinstated prior to the scheduled sale is $121,474.68 as of December 19, 2019, 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 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. Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Date: 7/6/2020 Mark A. Pickens Foreclosure Commissioner for the Secretary of Housing and Urban Development P.O. Box 26101, Birmingham, AL 35260 (205)933-1169; (205)933-6929 facsimile MAP#20-0068



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