NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on July 22, 2015, a certain Deed of Trust was executed by Janet L. Smith, as mortgagor or borrower, in favor of Mortgage Electronic Registration Systems, Inc., as nominee for One Reverse Mortgage, LLC, as mortgagee or lender, and Michael Lyon, as trustee, and was recorded as Instrument No. 2015-6727T-J1 in the office of the Chancery Clerk of the First Judicial District of Harrison County, Mississippi; and WHEREAS, the Deed of Trust 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 beneficial interest in the Deed of Trust is now owned by the Secretary, pursuant to an Assignment of Deed of Trust dated October 22, 2023, and recorded as Instrument No. 2023-0022678T-Jl in the office of the aforesaid Chancery Clerk; and WHEREAS, a payment default has been made in the covenants and conditions of the Deed of Trust, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of January 6, 2026, is $72,442.32; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust to be immediately due and payable and instructed the undersigned Foreclosure Commissioner to foreclose on the collateral securing the indebtedness. NOW, THEREFORE, pursuant to powers vested in Underwood Law Firm PLLC 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 Underwood Law Firm PLLC as Foreclosure Commissioner by instrument recorded as Instrument No. 2024-0021481 T-J1, notice is hereby given that on February 11, 2026, between the hours of 11 :00 a.m. and 4:00 p.m. prevailing Central Time all real and personal property at or used in connection with the following described premises (the "Property") will be sold at public auction to the highest bidder for cash at the East Front Door of the Harrison County Courthouse (1st Judicial District) in Gulfport, Mississippi: Lot 182, less and except the North 32.5 feet thereof, Loren D. Heights, Phase IV, according to the official map or plat thereof on file and of record in the office of the Chancery Clerk of Harrison County, Mississippi, in Plat Book 28 at Page 19. Commonly known as: 2525 W David Dr., Gulfport, MS 39503. The Secretary presently intends to bid $74,907.56 and reserves the right to adjust its bid as necessary. All funds must be submitted in the form of cash or a certificated check or cashier's check made payable to Underwood Law Firm PLLC. If the Secretary is the highest bidder, the Secretary need not pay the bid amount in cash. The successful bidder will pay any and all conveyance fees and other costs associated with the transfer of title as well was all real estate and other taxes that are due on the Property. There is no right of 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 in accordance with the 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 it is established that the default or defaults upon which the foreclosure 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. Dated: January 8, 2026 /s/ Andrew R. Wilson (Miss. Bar #102862) UNDERWOOD LAW FIRM PLLC P.O. Box 1874 Madison, MS 39130 Phone: (601) 981-7773 File No. 25110315 PUBLISH: The Sun Herald (01/14/26, 01/21/26, 01/28/26, 02/04/26) IPL0304484 Jan 14,21,28,Feb 4 2026