SUBSTITUTED TRUSTEE'S NOTICE OF SALE STATE OF MISSISSIPPI COUNTY OF HARRISON 2ND WHEREAS, on the 13th day of September, 2024, Kirk Martin, married man; joined herein by Bethany Martin, executed and delivered a certain Deed of Trust unto Chicago Title Insurance Company, Trustee for Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans, Beneficiary, to secure an indebtedness therein described, which Deed of Trust is recorded in the office of the Chancery Clerk of Harrison 2nd County, Mississippi in Instrument# 2024-0005602-T-J2; and WHEREAS, on the 12th day of June, 2025, Mortgage Electronic Registration Systems, Inc. ("MERS"), as beneficiary, as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans, assigned said Deed of Trust unto PennyMac Loan Services, LLC, by instrument recorded in the office of the aforesaid Chancery Clerk in Instrument# 2025-0003729-T-J2; and WHEREAS, on the 14th day of November, 2025 the Holder of said Deed of Trust substituted and appointed Dean Morris, LLC as Substitute Trustee by instrument recorded in the office of the aforesaid Chancery Clerk in Instrument# 2025-0008005-T-J2; and WHEREAS, default having been made in the payments of the indebtedness secured by the said Deed of Trust, and the holder of said Deed of Trust, having requested the undersigned so to do, on the 7th day of January, 2026, I will during the lawful hours of between 11:00 a.m. and 4:00 p.m., at public outcry, offer for sale and will sell, at the front steps of the South side of the Harrison 2nd County Courthouse at Biloxi, Mississippi, for cash to the highest bidder, the following described land and property situated in Harrison 2nd County, Mississippi, to-wit: Lot 19 of Coventry Estates Subdivision, Phase One, a subdivision according to the official map or plat thereof on file and of record in the Office of the Chancery Clerk of the First Judicial District of Harrison County, Mississippi in Plat Book 46 at Page 9A and in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi in Plat Book 22, Page 1. I will only convey such title as is vested in me as Substitute Trustee. WITNESS MY SIGNATURE, this 18th day of November 2025. Dean Morris, LLC Substitute Trustee 855 S Pear Orchard Rd., Ste. 404, Bldg. 400 Ridgeland, MS 39157 (318) 330-9020 jeh/F25-0514 PUBLISH: 12.17.25 / 12.24.25 / 12.31.25 IPL0293684 Dec 17,24,31 2025