NOTICE OF DEFAULT AND FORECLOSURE SALE NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on January 14, 2011, a certain Mortgage was executed by Richard H. Cooper and Mary Ellen Cooper, Husband and Wife, as mortgagors in favor of Wells Fargo Bank, N.A. as mortgagee, and was recorded in the Office of the Recorder of Deeds of Centre County on January 26, 2011, as Instrument No. R 02073-0783, ("Mortgage"); and WHEREAS, the mortgage was assigned by (i) Wells Fargo Bank, N.A. to Nationstar Mortgage LLC D/B/A Champion Mortgage Company, by written assignment dated September 5, 2017 and recorded on September 15, 2017 as Instrument Number R 02205-0316, (ii) Nationstar Mortgage LLC D/B/A Champion Mortgage Company to Secretary of Housing and Urban Development by written assignment dated June 22, 2018 and recorded June 28, 2018 as Instrument Number R 02218-0270, in the Office of the Recorder of Deeds, Centre County, Pennsylvania; and WHEREAS, the Mortgage encumbers property located at 1065 Curtin Hollow Road, Howard, PA 16841, Parcel Number 7-8-021 ("Property"); and WHEREAS, the Property was owned by Richard H. Cooper and Mary Ellen Cooper, husband and wife as tenants by the entirety, by virtue of a deed dated January 10, 2000, and recorded on January 12, 2000, in Book 1134, Page 849; and WHEREAS, record owner Richard H. Cooper and Mary Ellen Cooper, husband and wife, owned the Property as tenants by the entirety, and Richard H. Cooper has since departed this life on October 21, 2022, leaving title vested in Mary Ellen Cooper by right of survivorship and by operation of law and the Deceased is hereby released from liability pursuant to Pa. R.C.P. No. 1147; and WHEREAS, the Property 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, a default has been made in the covenants and conditions of the Mortgage and the entire principal balance becomes due and owing, and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS, the entire amount delinquent as of June 11, 2026 is $582,906.73, plus interest, costs and other charges through the sale date; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. §§ 3751 et seq., by 24 CFR part 29, subpart B, and by the Secretary's designation of me as Foreclosure Commissioner, recorded on January 08, 2026 as Instrument Number: R 02340-0084, in the Office of the Recorder of Deeds of Centre County, Pennsylvania, notice is hereby given that on August 26, 2026, at 10:00am local time, at the Centre Courthouse located at 3rd Floor, Court House Annex, Bellefonte, PA, all real property and personal property at or used in connection with the following described premises ("Property") will be sold at public auction to the highest bidder: Commonly known as: 1065 Curtin Hollow Road, Howard, PA 16841. ALL THAT CERTAIN MESSUAGE, TENEMENT, AND TRACT OF LAND SITUATE, LYING, AND BEING IN THE TOWNSHIP OF BOGGS, COUNTY OF CENTRE, AND COMMONWEALTH OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO-WIT: BEGINNING AT A SPIKE IN THE CENTERLINE OF T-425, HAVING A 33' RIGHT OF WAY AT THE EDGE OF STATE GAME LANDS NO. 92; THENCE ALONG THE CENTER OF T-425 THE FOLLOWING 17 COURSES: (1) NORTH 89 DEGREES 05 MINUTES 54 SECONDS WEST, A DISTANCE OF 212.09 FEET TO A SPIKE; THENCE (2) SOUTH 89 DEGREES 24 MINUTES 33 SECONDS WEST, A DISTANCE OF 71.91 FEET TO A POINT; THENCE (3) ALONG A CURVE TO THE RIGHT WITH A LENGTH OF 340.38 FEET, A RADIUS OF 950.00 FEET, A CHORD BEARING OF NORTH 80 DEGREES 19 MINUTES 35 SECONDS WEST AND A CHORD DISTANCE OF 338.56 FEET TO A POINT; THENCE (4) NORTH 70 DEGREES 03 MINUTES 43 SECONDS WEST A DISTANCE OF 175.19 FEET TO A POINT; THENCE (5) NORTH 72 DEGREES 04 MINUTES 32 SECONDS WEST A DISTANCE OF 280.04 FEET TO A POINT; THENCE (6) ALONG A CURVE TO THE LEFT WITH A LENGTH OF 167.28 FEET, A RADIUS OF 1200.00 FEET, A CHORD BEARING OF NORTH 76 DEGREES 04 MINUTES 09 SECONDS WEST AND A CHORD DISTANCE OF 167.15 FEET TO A POINT; THENCE (7) NORTH 80 DEGREES 03 MINUTES 46 SECONDS WEST A DISTANCE OF 57.99 FEET TO A POINT; THENCE (8) ALONG A CURVE TO THE LEFT WITH A LENGTH OF 58.40 FEET, A RADIUS OF 425.00 FEET, A CHORD BEARING OF NORTH 83 DEGREES 59 MINUTES 58 SECONDS WEST AND A CHORD DISTANCE OF 58.36 FEET TO A POINT; THENCE (9) NORTH 87 DEGREES 56 MINUTES 10 SECONDS WEST A DISTANCE OF 88.87 FEET TO A POINT; THENCE (10) ALONG A CURVE TO THE RIGHT WITH A LENGTH OF 255.22 FEET, A RADIUS OF 1053.09 FEET, A CHORD BEARING OF NORTH 80 DEGREES 59 MINUTES 35 SECONDS WEST AND A CHORD DISTANCE OF 254.60 FEET TO A POINT; THENCE (11) NORTH 74 DEGREES 03 MINUTES 01 SECONDS WEST A DISTANCE OF 69.24 FEET TO A POINT; THENCE (12) ALONG A CURVE TO THE RIGHT WITH A LENGTH OF 307.85 FEET, A RADIUS OF 595.66 FEET, A CHORD BEARING OF NORTH 59 DEGREES 14 MINUTES 40 SECONDS WEST AND A CHORD DISTANCE OF 304.44 FEET TO A SPIKE; THENCE (13) NORTH 45 DEGREES 41 MINUTES 04 SECONDS WEST A DISTANCE OF 259.33 FEET TO A POINT; THENCE (14) ALONG A CURVE TO THE RIGHT WITH A LENGTH OF 147.71 FEET, A RADIUS OF 175.00 FEET, A CHORD BEARING OF NORTH 20 DEGREES 39 MINUTES 31 SECONDS WEST AND A CHORD DISTANCE OF 143.36 FEET TO A POINT; THENCE (15) NORTH 03 DEGREES 56 MINUTES 33 SECONDS EAST A DISTANCE OF 455.52 FEET TO A POINT; THENCE (16) NORTH 03 DEGREES 15 MINUTES 42 SECONDS EAST A DISTANCE OF 144.05 FEET TO A POINT; THENCE (17) NORTH 01 DEGREES 16 MINUTES 24 SECONDS WEST A DISTANCE OF 226.50 FEET TO A SPIKE; THENCE ALONG LANDS OF LARRY HIGH SOUTH 48 DEGREES 22 MINUTES 12 SECONDS EAST A DISTANCE OF 310.75 FEET TO AN IRON POST; THENCE CONTINUING ALONG HIGH NORTH 11 DEGREES 05 MINUTES 39 SECONDS EAST A DISTANCE OF 678.40 FEET TO A FENCE POST; THENCE ALONG LANDS OF THE FAIRVIEW CEMETERY ASSOCIATION THE FOLLOWING THREE COURSES: (1) SOUTH 65 DEGREES 09 MINUTES 13 SECONDS EAST A DISTANCE OF 236.79 FEET TO A FENCE POST; THENCE (2) NORTH 47 DEGREES 34 MINUTES 31 SECONDS EAST A DISTANCE OF 318.31 FEET TO AN IRON PIN; THENCE (3) NORTH 45 DEGREES 08 MINUTES 43 SECONDS WEST A DISTANCE OF 175.02 FEET TO AN IRON PIN; THENCE NORTH 52 DEGREES 41 MINUTES 38 SECONDS EAST A DISTANCE OF 20.19 FEET TO A WHITE OAK TREE CORNER, THENCE ALONG LANDS OF FRED BETZ SOUTH 45 DEGREES 08 MINUTES 43 SECONDS EAST A DISTANCE OF 494.67 FEET TO AN IRON PIN; THENCE CONTINUING ALONG BETZ NORTH 70 DEGREES 04 MINUTES 07 SECONDS EAST A DISTANCE OF 503.93 FEET TO AN IRON PIN; THENCE ALONG LANDS OF PAUL OSTERLING SOUTH 44 DEGREES 56 MINUTES 46 SECONDS EAST A DISTANCE OF 1627.71 FEET TO A STONE CORNER; THENCE SOUTH 25 DEGREES 44 MINUTES 51 SECONDS WEST A DISTANCE OF 1110.90 FEET TO THE PLACE OF BEGINNING AND CONTAINING 94.512 ACRES, ALL AS SHOWN ON A DRAWING BY KERRY A. UHLER & ASSOCIATES ENTITLED "PRELIMINARY/FINAL PLAN OF A TWO-LOT SUBDIVISION FOR RICHARD H. AND MARY ELLEN COOPER" DATED NOVEMBER 19, 1996, AND RECORDED APRIL 3,1997, IN PLAT BOOK 53, PAGE 141, IN THE CENTRE COUNTY RECORDER'S OFFICE. UNDER AND SUBJECT TO THE RIGHTS OF WAY OF TOWNSHIP 425, TOWNSHIP 398, A RIGHT OF WAY TO THE PENNSYLVANIA GAME COMMISSION FOR ACCESS TO STATE GAME LANDS NO. 92 AND ALSO SUBJECT TO RIGHTS OF WAY TO WEST PENN POWER FOR ELECTRICAL SERVICE LINES, ALL AS SHOWN ON A PRELIMINARY AND FINAL PLAN OF A LOT ADDITION FOR EDWARD AND JEAN KACHIK, DATED AUGUST 14, 1992, AND RECORDED IN PLAT BOOK 45, PAGE 86, IN THE RECORDER'S OFFICE OF CENTRE COUNTY. SAID PLAN PREPARED BY KERRY A. UHLER & ASSOCIATES. ALSO BEING KNOWN AS CENTRE COUNTY UNIFORM PARCEL IDENTIFIER TAX PARCEL NUMBER 7-8/21.LESS AND EXCEPT A PARCEL OF LAND CONVEYED TO CHARLES W. AND HELEN G. JUNKINS IN BOOK 1736 PAGE 832 RECORDED 9/3/2004. TAX PARCEL ID: 7-8-021 ADDRESS: 1065 CURTIN HOLLOW ROAD HOWARD, PA 16841 The sale will be held on August 26, 2026, at 10:00am at the Centre County Courthouse. The Secretary of Housing and Urban Development will bid $582,906.73 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of $582,906.73 as of June 11, 2026, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred and giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner's attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent (10%) of the Secretary's bid as set forth above in the form of a certified check or cashier's check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. 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 or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments, and a fee will be charged in the amount of $500.00, paid in advance, for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashier's check made payable to the Secretary of Husing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder's deposit will be forfeited, and the Commissioner may, at the direction of the Foreclosure Commissioner after consultation with the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. 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, by documented written application of the mortgagor to the Foreclosure Commissioner not less than thee (3) days before the date of sale, or otherwise, 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. Tender of payment by certified or cashier's check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below: Hladik, Onorato & Federman, LLP, Foreclosure Commissioner (215-855-9521) IPL0362375 Aug 5 2026