TRUSTEE’S SALE OF

5514 LARCH STREET,

FREDERICKSBURG, VIRGINIA 22407

COUNTY OF SPOTSYLVANIA

This Property will be sold subject to

a 1 year Right of Redemption by the

Secretary of Housing and Urban Development

In execution of a certain deed of trust dated 08/25/22, in the original principal amount of $405,750.00 recorded in the County of Spotsylvania, Virginia, as Instrument No. 220017705, as amended by an instrument appointing the undersigned as Substitute Trustee, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the building housing the Circuit Court of the COUNTY OF SPOTSYLVANIA, VA located at 9107 Judicial Center Lane, Spotsylvania, Virginia, 22553 on May 22, 2026, at 10:00 am, the property described in said deed of trust, located at the above address, with improvements thereon and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON AND ALL RIGHTS AND PRIVILEGES THEREUNTO APPURTENANT, SITUATE, LYING AND BEING IN COURTLAND MAGISTERIAL DISTRICT, SPOTSYLVANIA COUNTY, VIRGINIA, AND MORE PARTICULARLY DESCRIBED AS LOT 129, SECTION TWO-A, OAK GROVE TERRACE, AS SHOWN AND DESCRIBED ON PLAT PREPARED BY SULLIVAN DONAHOE AND INGALLS, ENGINEERS, DATED JUNE 3, 1975, AND RECORDED ALONG WITH THE DEED OF DEDICATION IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF SPOTSYLVANIA COUNTY, VIRGINIA, IN DEED BOOK 374, AT PAGE 23. TERMS OF SALE: Neither the Substitute Trustee nor the holder of the note secured by the deed of trust will deliver possession of the property to the successful bidder. The purchaser at the sale will be required to pay all closing costs. Real estate taxes, water/sewer fees and other public charges will be prorated as of the date of sale. The risk of loss or damage to the property passes to the purchaser immediately upon the conclusion of the Substitute Trustee’s sale. Terms: A bidder’s deposit of ten percent (10%) of the sale price or ten percent price (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of sale. The balance of the purchase price will be due within 20 days at the office of the Substitute Trustee. This transaction may be subject to the FinCEN Residential Real Estate Reporting Rule (“RRE Rule”) issued pursuant to the Bank Secrecy Act, effective March 1, 2026. Purchaser will be responsible for obtaining the information necessary to comply with the RRE Rule and for providing the necessary information to the Reporting Person, as defined in the RRE Rule within (10) ten days following Ratification of the Sale or Purchaser’s deposit will be forfeited and property resold. The Substitute Trustee reserves the right to suspend bidding prior to completion of the sale. Time is of the essence as to the closing date and the payment of the purchase price. If payment of the balance does not occur within twenty days of the sale date, the deposit will be forfeited. Seller shall not be responsible for any costs incurred by the purchaser in connection with their purchase or settlement, including, without limitation, state and local recording fees, title insurance or research, or any other costs of purchaser’s acquisition. Trustee shall have no duty to obtain possession for purchaser. All risks of casualty pass to successful bidder at conclusion of bidding. The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Sale is subject to post-sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower(s) entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of the Purchaser’s deposit without interest. Additional terms to be announced at the sale. For more information contact: Laura H.G. O'Sullivan, Esq., member of Surety Trustees, at 301-490-3361 or www.mwc-law.com. Pursuant to 31 CFR Part 1010, the U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN) requires reporting of certain non-financed transfers of residential real property to legal entities or trusts. If Purchaser falls under the purview of the reporting requirement, Purchaser must provide all information and documentation necessary to enable the closing company and/or Trustee to file a 'Real Estate Report' with FinCEN no later than closing. This includes identifying beneficial owners, providing documentation, and paying associated fees. Failure to do so will result in forfeiture of Purchaser’s deposit.

March 11th, 2026

April 15th, 2026

April 22nd, 2026

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