SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE File: MS23052 WHEREAS, on February 10, 2018, Patricia L. Fleming and Raymond W. Fleming, II, Wife and Husband, as joint tenants with full rights of survivorship and not as tenants in common, executed a certain Deed of Trust to WFG National Title Insurance Company, Trustee, for the use and benefit of Mortgage Electronic Registration Systems, Inc. as Beneficiary, as nominee for LoanDepot.com, LLC, its successors and assigns, which Deed of Trust is of record in the office of the Chancery Clerk of Harrison County, Mississippi, on February 16, 2018,, as Document Number 2018-1357-T-J1 and modified pursuant to the Modification recorded on September 26, 2019, as Document Number 2019-8338 T J1, and modified pursuant to the Modification recorded on April 8, 2021, as Document Number 2021-4501-T-J1. WHEREAS, The Secretary of Veterans Affairs, an Officer of the United States, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk's Office on March 9, 2026, as Document Number 2026-0004355-D-J1; and WHEREAS, Default having been made in the terms and conditions of said deed of trust and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of said deed of trust, The Secretary of Veterans Affairs, an Officer of the United States, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on May 6, 2026 offer for sale at public outcry and sell within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.), at the main front door of the County Courthouse of Harrison County in Gulfport, Mississippi, to the highest and best bidder for cash the following described property situated in Harrison County, Mississippi, to wit: Lot 26, Block 2 of Westwood Hills Subdivision, Section 1, 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 32 and Page 26 reference to which is hereby made in aid of and as a part of this description. More commonly known as: 12 Wheaton Cv, Gulfport, MS 39503 I will convey only such title as vested in me as Substituted Trustee. Important Notice to Potential Bidders: Federal law administered by the Financial Crimes Enforcement Network ("FinCEN"), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transactions to be reported to the federal government. If you are the winning bidder at auction, you may be required to provide identifying information about yourself and, if applicable, any entity or trust purchasing the property. This information is required by federal law and must be provided to complete the sale. Failure to provide required information after the sale may delay or prevent issuance of the foreclosure deed. Halliday, Watkins & Mann, P.C. Substitute Trustee Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive, Suite 200 Birmingham, AL 35242 (801) 355-2886 Publication dates: April 8, 2026, April 15, 2026 , April 22, 2026, April 29, 2026 IPL0325362 Apr 8,15,22,29 2026