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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on April 17, 2008, a certain Deed of Trust/Mortgage was executed by Lawrence Armstead Wright and Agnes M. Wright as mortgagors/borrowers in favor of Financial Freedom Senior Funding Corporation, a subsidiary of Indymac Bank, F.S.B. as beneficiary and Settlement Solutions as trustee, and was recorded on June 10, 2008, in Book 29754, Page 252 in the Office of the Land Records for Prince George's County, Maryland; and WHEREAS, the Deed of Trust/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 beneficial interest in the Deed of Trust/Mortgage is now owned by the Secretary, pursuant to an assignment dated February 15, 2023, and recorded on March 1, 2023, in Book 48602, Page 206, in the office of the Land Records for Prince George's County, Maryland; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust/Mortgage in that the payment due on February 1, 2024, was not made and remains wholly unpaid as of the date of this notice, and a Borrower has died and the Property is not the principal residence of at least one surviving Borrower, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of December 8, 2025 is $326,188.46; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust/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 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, notice is hereby given that on Tuesday, January 13, 2026 at 11:30 AM local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder: See attached Exhibit A Commonly known as: 6411 Whitwell Court, Fort Washington, MD 20744 Tax ID 12-1365071 The sale will be held in front of the Main Street entrance to the Duval Wing of the Prince George`s County Courthouse Complex, 14735 Main Street, Upper Marlboro, Maryland 20772. The Secretary of Housing and Urban Development will bid $327,975.86 There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids , all bidders except the Secretary must submit a deposit totaling $34,000.00 in the form of a certified check or cashier’s check made out to the Secretary of HUD . A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $34,000.00 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 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 highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying 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 for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary of HUD. 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 may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD 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 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. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is N/A (Full Balance Due) 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 in 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. 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. Date: December 8, 2025 Breza & Associates, LLC Foreclosure Commissioner By: /s/ Andrew Winick Andrew Winick(AIS/CPF #9706250509) Breza & Associates, LLC 11019 McCormick Road, Suite 400 Hunt Valley, Maryland 21031 (410) 316-6047 (office) (410) 308-0447 (facsimile) defaultlegal@brezalaw.com IF YOU ARE A DEBTOR, OR AN ATTORNEY REPRESENTING A DEBTOR, THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT, AND ANY NFORMATION OBTAINED HEREBY WILL BE USED FOR THAT PURPOSE. However, if you are either a debtor in a pending bankruptcy case, or have obtained an order of discharge from a United States Bankruptcy Court, which discharge includes this debt, or an attorney representing such a debtor, and you (or your client), has not reaffirmed liability for this debt, this office is not attempting to obtain a judgment against you (or your client) nor are we alleging that you (or your client) have any personal liability for this debt. We may, however, take action against any property which may have been pledged as collateral for the debt, which action may include repossession and/or foreclosure of the property, if otherwise permitted by law and/or order of court. Exhibit A LOT NUMBERED SEVEN (7), IN BLOCK NUMBERED THIRTY-FOUR (34), IN THE SUBDIVISION KNOWN AS "SECTION ONE, PLAT 1 OF 4, PROPHECY", AS PER PLAT THEREOF RECORDED AMONG THE LAND RECORDS OF PRINCE GEORGE'S COUNTY, MARYLAND IN PLAT BOOK WWW 83, AT PLAT 93. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/29, 1/5, 1/12 Ad#98504

TRUSTEE'S SALE 1010 Holly Corner Rd Fredericksburg, VA 22406 In execution of the Deed of Trust dated May 22, 2024 and recorded on May 30, 2024 in Instrument # 240006189 of Stafford County land records, Trustee Services of Virginia, LLC, the appointed Substitute Trustee, will offer for sale at public auction at the front of the Stafford County Circuit Courthouse, main entrance of the Judicial Center, 1300 Courthouse Road, Stafford, Virginia on February 4, 2026 at 11:00 AM the property more particularly described in the aforementioned Deed of Trust, located at the property address listed below and briefly identified as follows: The following described property in the County of Stafford, State of Virginia, to-wit: Lot 2, Berry Hill Estates, as shown on Subdivision Plat prepared by H. Aubrey Hawkins Associates, LTD, dated September 27, 2002, entitled "Subdivision Plat, Berry Hill Estates", as the same is duly dedicated, platted and recorded February 11, 2003, in Plat Book 40, Pages 194-195, and at Plat Map 030000034, among the Land Records of Stafford County, Virginia. Being the same which David C. Rombough and Dynette L. Rombough, a married couple by Deed dated January 9, 2019 and recorded January 11, 2019 in the County of Stafford, State of Virginia in 190000493 conveyed unto John Robert Gwin and Bridget Sue Gwin, a married couple, as tenants by the entirety with full rights of survivorship as at common law. Parcel/APN/Tax ID: 42A 2 1 Tax No.: 42A 2 Property address: 1010 Holly Corner Rd, Fredericksburg, VA 22406 The property will be sold "AS IS," WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND AND SUBJECT TO conditions, covenants, restrictions, reservations, easements, rights of way, and all other matters of record taking priority over the Deed of Trust, if any. Pursuant to Code of Virginia § 55.1-321(A2), if the property is being sold subject to another priority security instrument(s), purchaser must certify that purchaser shall pay off any priority security instrument(s) no later than 90 days from the date the trustee’s deed conveying the property being sold is recorded in the land records. TERMS OF SALE: A non-refundable bidder's deposit of $77,000.00 or 10% of the sale price, whichever is less, by cashier's or certified check required at time of sale, except for the party secured by the Deed of Trust. Risk of loss is on the purchaser from date and time of auction. Balance of the purchase price must be paid by cashier's check within 14 days from sale date. Except for Virginia Grantor tax, all settlement costs and expenses are purchaser's responsibility. Taxes are pro-rated to the date of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit may be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses, and attorney’s fees of both sales. If Trustee does not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment, or other agreement was entered into, the loan was reinstated or paid off, or whether the property became subject to an automatic stay under the U.S. Bankruptcy Code prior to the sale; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. Pursuant to the Federal Fair Debt Collections Practices Act, this law firm is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. (25-16099) FOR INFORMATION CONTACT: BROCK & SCOTT, PLLC (Attorney for TRUSTEE SERVICES OF VIRGINIA, LLC) 484 Viking Drive, Suite 203 Virginia Beach, VA 23452 (757) 213-2959 December 29th, 2025 January 5th, 2026 AD#98462

Law Offices of Jeffrey Nadel 4041 Powder Mill Road, Suite 200 Calverton, Maryland 20705 240-473-5000 SUBSTITUTE TRUSTEES' SALE OF REAL PROPERTY 4848 66th Avenue Hyattsville, MD 20784 Under a power of sale contained in a certain Deed of Trust from Patricia Y. Black, dated October 16, 2007, and recorded in Liber 29029, Folio 261 among the Land Records of Prince George’s County, MD, default having occurred under the terms thereof, the Substitute Trustee will sell at public auction at Circuit Court for Prince George’s Co., 14735 Main St., Upper Marlboro, MD, Duval Wing entrance, located on Main St. on January 13, 2026 at 11:30 AM ALL THAT FEE SIMPLE LOT OF GROUND KNOWN AS Lot 30, Block L, Defense Heights, situated in Prince George’s County, MD and more fully described in the aforesaid Deed of Trust carrying Tax ID No. 02-0095182. The property will be sold in an “as is” condition and subject to conditions, restrictions, agreements, easements, covenants and rights of way of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $11,000.00 will be required at the time of sale in the form of cash, certified check, or other form as the Substitute Trustees determine acceptable. No deposit shall be required of the noteholder where the noteholder bids in the property at auction. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Prince George’s County, time being of the essence for purchaser. In the event that settlement does not occur within the said ten days, the purchaser shall be in default. Upon such default the Trustees may file a Motion and Order to Resell the property at the risk and expense of the defaulting purchaser, and purchaser(s) hereby consent to entry of such resale order without further notice, in which case the deposit shall be forfeited and all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then readvertise and resell the property at the risk and cost of the defaulting purchaser; or, without reselling the property, the Trustees may avail themselves of any legal or equitable remedies against the defaulting purchaser. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser. Interest to be paid on the purchase money less the stated deposit called for herein, at the rate pursuant to the Deed of Trust Note from the date of auction to the date funds are received in the office of the Substitute Trustee. There shall be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason, including but not limited to exceptions to sale, bankruptcy filings by interested parties, Court administration of the foreclosure or unknown title defects. All taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, are to be adjusted to the date of auction and thereafter are to be assumed by the purchaser. Cost of all documentary stamps, transfer taxes, agricultural transfer tax, if any and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of damage to the property from the date of auction forward. If the Substitute Trustee does not convey title for any reason, including but not limited to the Secured Party executing a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allowing the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, or if the sale is not ratified for any reason including errors made by the Substitute Trustees, the foreclosure sale shall be null and void and of no effect, and the Purchaser’s sole remedy in law or in equity shall be the return of the deposit without interest. Further terms and particulars may be announced at time of sale, and purchaser may be required to execute a Memorandum of Sale at the time of auction. (Matter #301289) Jeffrey Nadel and Scott Nadel, Substitute Trustees Tidewater Auctions, LLC P.O. Box 9, Phoenix, MD 21131 410-825-2900 Washington Times, 12/29, 1/5, 1/12 AD#98792

TRUSTEE'S SALE OF 44579 WOLFHOUND SQUARE, ASHBURN, VA 20147 In execution of a Deed of Trust in the original principal amount of $712,928.00, with an annual interest rate of 6.875000% dated November 30, 2022, recorded among the land records of the Circuit Court for the Loudoun as Deed Instrument Number 20221201-0064262, the undersigned appointed Substitute Trustee will offer for sale at public auction all that property located in the Loudoun, on the courthouse steps in front of the Circuit Court building for the County of Loudoun located at 18 East Market Street, Leesburg Virginia on March 2, 2026 at 10:00 AM , the property with improvements to wit: ASHBROOK CONDOMINIUM PH.8 UNIT 8-203 202209260054321/2P Tax Map No. 057181069009 THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of 10% of the sale price, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Reference Number 25-300060. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O LOGS LEGAL GROUP LLP, Mailing Address: 8520 Cliff Cameron Dr., Suite 330, Charlotte, North Carolina 28269 (703) 449-5800. Run Dates: December 29th, 2025 January 26th, 2026 February 2nd, 2026 AD#98796

LTX Law Group / Wittstadt et als., Trustees 1966 Greenspring Drive, Suite LL2 Lutherville-Timonium, Maryland 21093 (410) 238-2840 SUBSTITUTE TRUSTEES' SALE OF RESIDENTIAL PROPERTY 626 Evening Star Pl, Mitchellville, MD 20721 Under a power of sale contained in a certain Deed of Trust from Donnie Harris, dated April 05, 2007 and recorded in Liber 28692, Folio 290 among the Land Records of Prince George’s County, Maryland, with an original principal balance of $322,000.00, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Circuit Court for Prince George’s County, in front of the Main Street entrance to the Duval Wing of the Prince George’s County Courthouse Complex, 14735 Main Street, Upper Marlboro, MD 20772, on Tuesday, January 13, 2026 AT 11:30AM ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Prince George’s County, MD and more fully described in the aforesaid Deed of Trust. The real property is known as 626 Evening Star Pl, Mitchellville, MD 20721, Tax ID #13-1521749. Tax Map 0068, Grid 00B2, Parcel 0000. Terms of Sale: The property will be sold “as is” and subject to conditions, restrictions, easements and agreements of record affecting same, if any and with no warranty of any kind. A deposit of $30,000.00 in the form of cash, cashier’s check, certified check, or other form as the Substitute Trustees determine acceptable, is required at the time of auction. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Prince George’s County. At the Substitute Trustees’ discretion, the foreclosure purchaser, if a corporation or LLC, must produce evidence, prior to bidding, of the legal formation of such entity. The purchaser, other than the Holder of the Note, its assigns, or designees, shall pay interest on the unpaid purchase money at the rate of 4.5% per annum from the date of foreclosure auction to the date funds are received in the office of the Substitute Trustees. In the event settlement is delayed for any reason , there shall be no abatement of interest. Real estate taxes and all other public charges, or assessments, ground rent, or condo/HOA assessments, not otherwise divested by ratification of the sale, to be adjusted as of the date of foreclosure auction and assumed thereafter by the purchaser. Purchaser will take title subject to any private utility water and sewer covenants, charges or front foot benefit payments associated therewith for the remaining duration of the same. Cost of all documentary stamps, transfer taxes and settlement expenses, and all other costs incident to settlement, shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. TIME IS OF THE ESSENCE. If the purchaser shall fail to comply with the terms of the sale or fails to go to settlement within ten (10) days of ratification of the sale, the Substitute Trustees may, in addition to any other available remedies, declare the entire deposit forfeited and resell the property at the risk and cost of the defaulting purchaser, and the purchaser agrees to pay reasonable attorneys' fees for the Substitute Trustees, plus all costs incurred, if the Substitute Trustees have filed the appropriate motion with the Court to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of foreclosure auction. In such event, the defaulting purchaser shall be liable for the payment of any deficiency in the purchase price, all costs and expenses of resale, reasonable attorney's fees, and all other charges due and incidental and consequential damages, and any deficiency in the underlying secured debt. The purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. If the Substitute Trustees cannot convey insurable title, the purchaser's sole remedy at law or in equity shall be the return of the deposit without interest. The sale is subject 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 entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of his deposit without interest. NOTE: The information contained herein was obtained from sources deemed to be reliable, but is offered for informational purposes only. Neither the auctioneer, the beneficiary of the Deed of Trust, the Substitute Trustee nor his agents or attorneys make any representations or warranties with respect to the accuracy of information. PROSPECTIVE PURCHASERS ARE URGED TO PERFORM THEIR OWN DUE DILIGENCE WITH RESPECT TO THE PROPERTY PRIOR TO THE FORECLOSURE AUCTION. For additional information, please contact the Substitute Trustees. Mark H. Wittstadt, Gerard F. Miles, Jr., and Cole Luthy, Substitute Trustees Tidewater Auctions, LLC PO Box 9, Phoenix, MD 21131 410-825-2900 www.tidewaterauctions.com www.ServiceLink.com Washington Times,12/29, 1/5, 1/12 Ad#98556