SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE File: MS23614 WHEREAS, on July 3, 2023, Ronald Patrick Duncan, an Unmarried Man executed a certain Deed of Trust to DHI Title of Mississippi, Inc., Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for DHI Mortgage Company, Ltd., a Texas Limited Partnership, its successors and assigns which Deed of Trust is of record in the office of the Chancery Clerk of Harrison County, Mississippi, on July 10, 2023,, as Document Number 2023-0013352-T-J1. WHEREAS, PennyMac Loan Services, LLC, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk's Office on July 6, 2026, as Document Number 2026-0014164-T-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, PennyMac Loan Services, LLC, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on September 9, 2026 offer for sale at public outcry and sell within legal hours (being between the hours of 11:00 am. and 4:00 p.m.), at the East main front door of the Harrison County Courthouse in Gulfport, to the highest and best bidder for cash the following described property situated in Harrison County, Mississippi, to wit: Lot 60, Magnolia Springs Subdivision, Phase VI, 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 61 at Page 47-50; reference to which is hereby made in aid of and as a part of this description. More commonly known as: 18156 Big Leaf Dr, 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. 1107 Highland Colony Pkwy, Suite 207 Ridgeland, MS 39157 (801) 355-2886 Publication dates: August 12, 2026, August 19, 2026, August 26, 2026, September 2, 2026 IPL0359304 Aug 12,19,26,Sep 2 2026