NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on 12/22/2004, a certain Mortgage was executed by HAROLD E SMITH JR as Mortgagor, in favor of U.S. FINANCIAL MORTGAGE CORPORATION as Mortgagee, and was recorded on 12/29/2004, as Document Number BOOK 20041229 PAGE 2807, in the Office the Recorder of Deeds, Sacramento County, California and WHEREAS, the Mortgage 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 Mortgage is now owned by the SECRETARY, pursuant to an Assignment of Mortgage dated 05/03/2019, and recorded on 05/03/2019, as Document Number 201905030563, in the Office of the Sacramento County Recorder of Deeds, California and a default exists; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage in that the payment due on 07/24/2026 was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, by virtue of this default, the SECRETARY has declared the entire amount of this indebtedness secured by the Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to the powers vested in me 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 me as Foreclosure Commissioner, dated September 15, 2016, notice is hereby given that on 11/06/2026 at 8:30 AM local time, all real and personal property at or used in connection with the following described premises located at ("Property"), will be sold at public auction to the highest bidder. P.I.N.: 279-0300-049-0000 PROPERTY ADDRESS: 3241 CASITAS BONITO, SACRAMENTO, CA 95825 LEGAL DESCRIPTION: LOT 154, AS SHOWN ON THE "PLAT OF CASITAS ARDEN TOWNHOUSES, UNIT NO. 5", COUNTY OF SACRAMENTO, STATE OF CALIFORNIA, RECORDED MAY 26, 1976 IN BOOK 103 OF MAPS, MAP NO. 22, RECORDS OF SAID COUNTY The sale will be conducted online on Zoom at: Meeting ID: 648 483 3997; Password: 743891. There is a Zoom call-in option at 312-626-6799. THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT will bid $378,016.89 plus per diem interest, advances, fees and costs. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before sale, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. The Special Commissioner shall accept advance, sealed written bids at Pleadings@Nevellaw.com. The successful bidder, except the SECRETARY, must submit a deposit totaling at least 10% of the bid in the form of a certified check or cashier's check made out to the SECRETARY OF HUD at the close of bidding sent to the Special Commissioner at the address below by express mail next-day delivery. The deposit is non-refundable. The remainder of the purchase price must be delivered within thirty (30) days of the Sale or at such other time as the SECRETARY may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified check or cashier's check made payable to the SECRETARY OF HUD. If the SECRETARY is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyancing fees, all real estate taxes and other taxes that are due on or after the date of sale and all other transfer taxes and State, County and Municipal costs associated with the transfer of title. 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. IRA T. NEVEL Foreclosure Commissioner for the United States Department of Housing and Urban Development 175 North Franklin, Suite 201 Chicago, Illinois 60606 (312) 357-1125 IPL0379802 Oct 12,19,26 2026