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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on August 25, 2011, a certain Deed of Trust was executed by Joseph J. Tychinski Jr, and Helen J. Tychinski as Grantor(s) in favor of MetLife Home Loans as Beneficiary, and Lenders Reverse Closing Services as Trustee(s), and was recorded on October 26, 2011, in Book 42492, Page 229 in the Office of the Land Records for Montgomery County, Maryland; 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 January 24, 2020, and recorded on January 24, 2020, in Book 58916, Page 439, in the Office of the Land Records for Montgomery County, Maryland; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on April 22, 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 July 25, 2025 is $782,480.73; 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 September 17, 2025 at 11:15 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: 17236 Founders Mill Drive, Derwood, MD 20855 Tax ID: 09-02096463 The sale will be held at the courthouse entrance for the Circuit Court for Montgomery County, Maryland. The Secretary of Housing and Urban Development will bid $782,480.73. 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 $78,500.00 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 $78,500.00 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: July 28, 2025 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner By: _/s/Richard E. Solomon__ Richard E. Solomon AIS#9112190178 Cohn, Goldberg & Deutsch, LLC 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 (410) 296-2550 rsolomon@cgd-law.com 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 All that Property Situate in Montgomery County, State of Maryland Described as: Lot numbered Thirty-seven (37) in Block lettered “AA” in a subdivision known as “Mill Creek South” as per plat recorded in Plat Book 114, Plat No. 13423, among the Land Records of Montgomery County, Maryland. 09-02096463 Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 9/2, 9/9, 9/16 CGD File No. 463919

TRUSTEE'S SALE 42159 GRISBY COURT CHANTILLY, VA 20152 In execution of the Deed of Trust in the original principal amount of $623,786.00, dated December 30, 2015, and recorded as Instrument Number 20160104-0000198 in Loudoun County land records, the appointed Substitute Trustee will offer for sale at public auction at the main entrance of the courthouse for the Circuit Court of Loudoun County, 18 E Market St, Leesburg, VA 20178 on November 03, 2025 at 4:15 pm , the property described in said deed of trust, located at the above address and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON AND ALL APPURTENANCES THERETO BELONGING, LOCATED AND BEING IN THE COUNTY OF LOUDOUN, COMMONWEALTH OF VIRGINIA, AND BEING DESIGNATED AS FOLLOWS: LOT 3, PHASE 1, SECTION 1B, MARBURY, AS THE SAME IS DULY DEDICATED IN INSTRUMENT NUMBER 201407090037343, AND AS SHOWN ON A PLAT AT INSTRUMENT NUMBER 201407090037344, RECORDED AMONG THE LAND RECORDS OF LOUDOUN COUNTY, VIRGINIA. The property and improvements will be sold in "as is" physical condition without warranty of any kind. TERMS OF SALE: A non-refundable bidder's deposit of 10% of the sale price or 10% of the original principal amount of the subject Deed of Trust, whichever is lower, by cashier's or certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. Balance of the purchase price must be paid by cashier's check within 15 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 bankruptcy was filed, a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. This communication is from a debt collector and is an attempt to collect a debt and any information obtained will be used for that purpose. SUBSTITUTE TRUSTEE: RAS Trustee Services, LLC, 101 North Lynnhaven Road, Suite 104, Virginia Beach, Virginia 23452 FOR INFORMATION CONTACT: RAS Trustee Services, LLC, Substitute Trustee c/o Robertson, Anschutz, Schneid, Crane & Partners, PLLC 11350 McCormick Road, Executive Plaza I, Suite 302 Hunt Valley, Maryland 21031 (844) 442-2150 (470) 321- 7112 September 29th, 2025 October 6th, 2025 AD#95997

TRUSTEE’S SALE OF 4708 NEPTUNE DRIVE, ALEXANDRIA, VA 22309. In execution of a certain Deed of Trust dated January 19, 2018, in the original principal amount of $650,000.00 recorded in the Clerk’s Office, Circuit Court for Fairfax County, Virginia, in Book 25310 at Page 0889 as Instrument No. 2018004752.001. The undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Fairfax County, 4110 Chain Bridge Road, Fairfax, VA, on October 22, 2025, at 11:45 AM, the property described in said Deed of Trust, located at the above address, and more particularly described as follows: LOT 12, BLOCK M, OF THE SUBDIVISION KNOWN AND DESIGNATED AS YACHT-HAVEN ESTATES, AS THE SAID SUBDIVISION APPEARS DULY DEDICATED, PLATTED AND RECORDED AMONG THE FAIRFAX COUNTY, VIRGINIA LAND RECORDS IN DEED BOOK 1123 AT PAGE 103. TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (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 the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled to a return of the deposit paid. The Purchaser may, if provided by the terms of the Trustee’s Memorandum of Foreclosure Sale, be entitled to a $50 cancellation fee from the Substitute Trustee, but shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bwwsales.com. Additional terms, if any, to be announced at the sale and the Purchaser may be given the option to execute the contract of sale electronically. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Road, Suite 240, Richmond, VA 23229. For more information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 6003 Executive Blvd, Suite 101, Rockville, MD 20852, 301-961-6555, website: www.bwwsales.com . VA-378136-1. September 16th, 2025 September 23rd, 2025 AD#95821

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on July 23, 2012, a certain Deed of Trust was executed by Ann T Ittner as Grantor(s) in favor of First National Bank of Layton as Beneficiary, and Alan E. South as Trustee(s), and was recorded on September 18, 2012, in Book 44844, Page 079 in the Office of the Land Records for Montgomery County, Maryland; 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 July 28, 2023, and recorded on August 10, 2023, in Book 67267, Page 423, in the Office of the Land Records for Montgomery County, Maryland; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on April 8, 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 July 17, 2025 is $780,002.09; 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 September 17, 2025 at 11:15 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: 4936 Sentinel Drive, #401, Bethesda, MD 20816 Tax ID: 07-01604944 & 07-01885182 The sale will be held at the courthouse entrance for the Circuit Court for Montgomery County, Maryland. The Secretary of Housing and Urban Development will bid $780,002.09. 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 $78,000.00 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 $78,000.00 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: July 21, 2025 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner By: _/s/Richard E. Solomon__ Richard E. Solomon AIS#9112190178 Cohn, Goldberg & Deutsch, LLC 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 (410) 296-2550 rsolomon@cgd-law.com 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 THE LAND DESCRIBED HEREIN IS SITUATED IN THE STATE OF MARYLAND, COUNTY OF MONTGOMERY, AND IS DESCRIBED AS FOLLOWS: UNIT NUMBERED 5-401 AND PARKING UNIT 5-17-18 IN A PLAN OF CONDOMINIUM SUBDIVISION STYLED “PLAT AND PLAN OF CONDOMINIUM SUBDIVISION -SUMNER VILLAGE CONDOMINIUM NO. ONE” AS PER PLAT THEREOF RECORDED IN CONDOMINIM PLAT BOOK 6 AT PLAT 592 THROUGH AND INCLUDING PLAT 642 AMONG THE LAND RECORDS FOR MONTGOMERY COUNTY, MARYLAND, BEING PART OF THE LAND AND PREMISES DECLARED TO BE SUBJECT TO A HORIZONTAL PROPERTY REGIME BY A CERTAIN MASTER DEED DATED THE 7TH DAY OF MAY, 1973 IN LIBER 4374 AT FOLIO 509 AMONG THE AFORESAID LAND RECORDS. PARCEL NUMBER(S): 07-01604944, 07-01885182 Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 9/2, 9/9, 9/16 CGD File No. 463863

TRUSTEE'S SALE 2028 CHADDS FORD DR RESTON, VA 20191 In execution of the Deed of Trust in the original principal amount of $541,500.00, dated September 27, 2016, and recorded in Deed Book 24770, Page 1690 and as Instrument Number 2016059582 in Fairfax County land records, the appointed Substitute Trustee will offer for sale at public auction at the front of the Fairfax County Circuit Court (Fairfax County Judicial Center, 4110 Chain Bridge Road), at Fairfax, Virginia 22030 on November 03, 2025 at 11:45 am, the property described in said deed of trust, located at the above address and more particularly described as follows: LOT FORTY-FOUR (44), BLOCK ONE (1), (CHADDSFORD CLUSTER), RESTON, SECTION SEVENTY-FOUR (74), AS THE SAME APPEARS DULY DEDICATED, PLATTED AND RECORDED IN DEED BOOK 4574 AT PAGE 488, AMONG THE LAND RECORDS OF FAIRFAX COUNTY, VIRGINIA. THE ORIGINAL SUBDIVISION OF BLOCK 1, SECTION 74, RESTON BEING RECORDED IN DEED BOOK 4430 AT PAGE 663. TAX ID# 262 12-010044 The property and improvements will be sold in "as is" physical condition without warranty of any kind. TERMS OF SALE: A non-refundable bidder's deposit of 10% of the sale price or 10% of the original principal amount of the subject Deed of Trust, whichever is lower, by cashier's or certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. Balance of the purchase price must be paid by cashier's check within 15 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 bankruptcy was filed, a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. This communication is from a debt collector and is an attempt to collect a debt and any information obtained will be used for that purpose. SUBSTITUTE TRUSTEE: RAS Trustee Services, LLC, 101 North Lynnhaven Road, Suite 104, Virginia Beach, Virginia 23452 FOR INFORMATION CONTACT: RAS Trustee Services, LLC, Substitute Trustee c/o Robertson, Anschutz, Schneid, Crane & Partners, PLLC 11350 McCormick Road, Executive Plaza I, Suite 302 Hunt Valley, Maryland 21031 (844) 442-2150 (470) 321- 7112 September 29th, 2025 October 6th, 2025 AD#96025