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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on August 4, 2011, a certain Deed of Trust was executed by Irving Hutchinson as Grantor(s) in favor of Mas Associates, LLC DBA Equity Mortgage Lending as Beneficiary, and Competitive Title Agency, Inc as Trustee(s), and was recorded on August 17, 2011, as Instrument Number 2011086226, in the Office of the Recorder of Deeds for Washington, DC; and WHEREAS, the Deed of Trust 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 Deed of Trust is now owned by the Secretary, pursuant to an assignment dated March 27, 2018, and recorded on April 2, 2018, as Instrument Number 2018032929, in the Office of the Recorder of Deeds for Washington, DC; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on June 24, 2025, 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 to the loan to currency; and WHEREAS, the entire amount delinquent as of December 1, 2025 is $1,144,056.85; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust 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 January 16, 2026 at 11:00 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: 28 Hanover Place NW, Washington, DC 20001 Square:0617 Lot:0058 The sale will be held at the auctioneer’s gallery of Tidewater Auctions, LLC, Chevy Chase Pavilion, 5335 Wisconsin Ave NW, Suite 440, Washington, DC 20015. The Secretary of Housing and Urban Development will bid $1,144,056.85. 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 $114,000.00 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 $114,000.00 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 cheduleed 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 4, 2025 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner By:_/s/ Richard E. Solomon_____ Richard E. Solomon Cohn, Goldberg & Deutsch, LLC 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 (410) 296-2550 IF YOU ARE A DEBTOR, OR AN ATTORNEY REPRESENTING A DEBTOR, THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION 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 BEING KNOWN AND DESIGNATED AS LOT 58 IN LORIN M. SAUNDER’S AND CARRIE C. GRIFFIN’S SUBDIVISION IN SQUARE 617 AS PER PLAT RECORDED IN THE OFFICE OF THE SURVEYOR FOR THE DISTRICT OF COLUMBIA IN LIBER 17 AT FOLIO 2. BEING THE SAME LOT OR PARCEL OF LAND WHICH BY DEED DATED 9/18/2008 AND RECORDED 10/23/2008 AMONG THE LAND RECORDS OF DISTRICT OF COLUMBIA IN INSTRUMENT NUMBER 2008110245 CONVEYING TITLE FROM IRVING HUTCHINSON AND MONA M. HUTCHINSON UNTO IRVING HUTCHINSON, THE WITHIN NAMED GRANTOR. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/29, 1/5, 1/12 CGD File No. 464073 AD#98803

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on October 6, 2007, a certain Deed of Trust/Mortgage was executed by Carolyn R. Gantt as mortgagor/borrower in favor of Vertical Lend Inc. as beneficiary and Chesapeake Title as trustee, and was recorded on November 28, 2007, in Book 29001, Page 005 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 6/5/2019, and recorded on 9/20/2019, in Book 42530, Page 573, 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 September 10, 2023, 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 $385,175.74; 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: 2804 Keith Street, Temple Hills, MD 20748 Tax ID 06-0463562 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 $387,478.66; 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 $39,000.00 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 $39,000.00 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 All that piece or parcel of land situate, lying and being in the County of Prince George's, State of Maryland, described as follows: Lot numbered Thirty-nine (39) in Block Lettered “N”, in the Subdivision known as “Marlow Heights”, Prince George’s County, Maryland as per Plat thereof recorded in Plat Book WWW 26 at Plat 53 among the Land Records of Prince George's County, Maryland. **FOR INFORMATIONAL PURPOSES ONLY** THE improvements thereon being known as 2804 Keith Street, Temple Hills, Maryland 20748. Tax ID# 06-0463562 Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/29, 1/5, 1/12 Ad#98510

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on January 30, 2006, a certain Deed of Trust was executed by Martin R. Davis as Grantor(s) in favor of Academy Mortgage, LLC as Beneficiary, and Mathew J. Lynch, ESQ as Trustee(s), and was recorded on February 7, 2006, as Instrument Number 2006017115, in the Office of the Recorder of Deeds for Washington, DC; and WHEREAS, the Deed of Trust 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 Deed of Trust is now owned by the Secretary, pursuant to an assignment dated March 11, 2021, and recorded on March 11, 2021, as Instrument Number 2021032389, in the Office of the Recorder of Deeds for Washington, DC; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on March 24, 2025, 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 to the loan to currency; and WHEREAS, the entire amount delinquent as of December 1, 2025 is $338,712.58; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust 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 January 16, 2026 at 11:00 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: 743 51st Street SE, Washington, DC 20019 Square:5341 Lot:0813 The sale will be held at the auctioneer’s gallery of Tidewater Auctions, LLC, Chevy Chase Pavilion, 5335 Wisconsin Ave NW, Suite 440, Washington, DC 20015. The Secretary of Housing and Urban Development will bid $338,712.58. 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 cheduleed 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 4, 2025 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner By:_/s/ Richard E. Solomon__________ Richard E. Solomon Cohn, Goldberg & Deutsch, LLC 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 (410) 296-2550 IF YOU ARE A DEBTOR, OR AN ATTORNEY REPRESENTING A DEBTOR, THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION 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 Part of Lot numbered Thirty-five (35), in Eli Busada’s subdivision of lots in Square numbered 5341, as per plat first recorded in the Office of the Surveyor for the District of Columbia in Liber 119 at folio 135, described as follows: beginning on the West line of a public thoroughfare (51st Street, SE) at Northeast corner of said Lot and running thence 19.33 feet South 6 degrees 03’ 30” W) parallel with West line of said public thoroughfare, thence 87.50 feet West (N 83 degrees 56’ 30” W) parallel with the North line of said Lot thence 19.33 feet North (N 6 degrees 03’ 30” E) parallel with the East line of said Lot, thence 47.29 feet East (S 83 degrees 56’ 30” E) parallel with South line of said Lot, thence 2.33 feet North (N 6 degrees 03’ 30” E) parallel with the West line of said Lot, thence 8 feet east (S 83 degrees 56’ 30” E) parallel with the South line of said Lot, thence 4.68 feet South (S 6 degrees 03’ 30” W) parallel with the West line of said Lot, thence 8.30 feet East (S 83 degrees 56’ 30” E) parallel with the South line of said Lot, thence 2.33 feet North (N 6 degrees 03’ 30” E) parallel with the East line of said Lot, thence 23.41 feet East (S 83 degrees 56’ 30” E) parallel with South line of said Lot to the beginning. Now known for assessment and taxation purposes as Lot 813 in Square 5341, as per Assessment and Taxation Plat on page 3786W recorded in the Office of the Surveyor of the District of Columbia. The improvements thereon being known as 743 51st Street, NE. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/29, 1/5, 1/12 CGD File No. 463636 AD#98804

Public Auction Notice is hereby given that on Monday January 26, 2026 at or after 9:00 am a public lien sale will be held for the purpose of satisfying a landlord lien on the content(s) of storage, with the bidding to take place on LOCKERFOX.COM. Auction may be canceled at any time. Payments will be accepted at the location in the forms of cash, cashier’s check, and/or credit card. The tenant and room numbers to auctioned are: U-Haul Moving & Storage At Central Avenue 8671 Central Ave, Capitol Heights, MD 20743 Donald Blakeney - 2637, Zamar Amos - 1080, Tawnisha Senior - 1805, Mathew Grant - 2501, Asia Franklin - 1034, Shirley Brown - 2740, Frederick Johnson - 1855, Muoki Ndaka - 1806, Jonathan Strickland - 1569, Isaiah Hopkins - 2645, Anthony Bryant - 1803, Rena Ellis - 1086, Patrick Crosland - 1239, Joseph Moultrie - 1682, Jocelyn Avery - 2217-18, Brandi Carper - 1663, Christopher Johnson - 2677, Lisa Cherry - 1798, Denise Nelson - 1009, Raimer Guerrero Mejia - 1093, Angele Bynum - 1517, Sharonnette Zimmerman - 1628, Donald Blakeney - 1489, James Powell - 1861. U-Haul Moving & Storage of Forestville Rd 4014 Forestville Rd, District Heights, MD 20747 Aquashia Bell - H304, Nicholas Haynes - H298, Tyaija Smith - H317, Joyce Parker - J006, Tyaija Smith - H197, Katrina Mintz - H289, Marcia Richardson - H272, Joyce Parker - H288, Edwanda Chase - J119, Jerome Lee - J109, Johnny Noise - H157, Latoya Giles - H174, Teri Lee - H006, Earl Simms - I024, Anita Perry - H164. U-Haul of Andrews Air Force Base 4599 Allentown Rd, Suitland, MD 20746 Antwan Jordan - 1003. December 29th, 2025 January 19th, 2026 Ad#98570

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 2400 Mary Pl, Fort Washington, MD 20744 Under a power of sale contained in a certain Refinance Deed of Trust from Mark B. Kiernan and Betty Kiernan, dated October 18, 2007 and recorded in Liber 29577, Folio 064 among the Land Records of Prince George’s County, Maryland, with an original principal balance of $245,700.00, 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 Refinance Deed of Trust. The real property is known as 2400 Mary Pl, Fort Washington, MD 20744, Tax ID #05-0338392. Tax Map 0114, Grid 00F4, Parcel 0000. This property is being sold subject to an IRS right of redemption based on one lien notated as follows: IRS Lien recorded 11/25/2014, FL 14-1648 in the amount of $13,431.18. 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 $26,000.00 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 4.0% 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 Washington Times,12/29, 1/5, 1/12 Ad#98521