SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS on January 9, 2025, STEPHEN PATRICK SANDERS, SINGLE MAN, executed a Deed of Trust to CHICAGO TITLE INSURANCE COMPANY, as Trustee , and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS, ITS SUCCESSORS AND ASSIGNS, as Beneficiary, which Deed of Trust is on file and of record in the office of the Chancery Clerk of Harrison County, Mississippi, First Judicial District, in Instrument Number 2025-0000545-T-J1; which Deed of Trust has been duly transferred and assigned to NEWREZ LLC, by Assignment of Deed of Trust recorded on February 03, 2026, in Instrument Number 2026-0002164-T-J1. WHEREAS, default has occurred in the payment of the indebtedness secured by said deed(s) of trust, and NEWREZ LLC, as beneficiary, has authorized and instructed Padgett Law Group as substitute trustee to foreclose said deed(s) of trust by advertisement and sale at public auction in accordance with the statutes made and provided therefor. THEREFORE, notice is hereby given that pursuant to the power of sale contained in said deed(s) of trust and in accordance with the statutes made and provided therefor, the said deed(s) of trust will be foreclosed and the property covered thereby and hereinafter described will be sold at public auction to the highest bidder for at the East Main Front Door of the 1st Judicial District of the Harrison County Courthouse located on 23rd Avenue at Gulfport, Mississippi, and will sell within legal hours (being between the hours of 11:00 AM and 4:00 PM) on August 26, 2026, to satisfy the indebtedness now due under and secured by said deed(s) of trust. Padgett Law Group will convey only such title as vested in it as Substituted Trustee. The premises to be sold are described as: LOT TWENTY SEVEN (27), MAGNOLIA SPRINGS SUBDIVISION, PHASE V, PART I, 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 59, AT PAGES 21-24 THEREOF, REFERENCE TO WHICH IS HEREBY MADE IN AID OF AND AS A PART OF THIS DESCRIPTION. The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group. No personal checks will be accepted. To this end you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded. Padgett Law Group reserves the right to award the bid to the next highest bidders should the highest bidder fail to timely tender the total amount due. /s/ Jana Nye Manlove July 15, 2026 Padgett Law Group Substituted Trustee 5100 Poplar Avenue, Ste 2208 Memphis, TN Phone: (850) 422-2520 Duly authorized to act in the premises by instrument recorded on 04/28/2026, in Instrument Number 2026-0007840-T-J1; of the records of the aforesaid county and state. Sun Herald - MS 07/29/2026, 08/05/2026, 08/12/2026, and 08/19/2026 IPL0359020 Jul 29,Aug 5,12,19 2026