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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on September 8, 2009, a certain Deed of Trust/Mortgage was executed by James H. Williams and Jean F. Williams as mortgagors/borrowers in favor of Generation Mortgage Company as beneficiary and Worldwide Title Group, LLC as trustee, and was recorded on December 23, 2009, in Book 38541, Page 221 in the Office of the Land Records for Montgomery 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 7, 2014, and recorded on April 14, 2014, in Book 48522, Page 458, 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/Mortgage in that the payment due on July 24, 2019, 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 2, 2025 is $756,357.38; 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 Wednesday January 7, 2026 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: 3131 Fairland Road, Silver Spring, MD 20904 Tax ID 05-02941650 (05-0048-02941650) The sale will be held at the Courthouse door for the Circuit Court for Montgomery County (Maryland Avenue entrance), 50 Maryland Avenue, Rockville, MD 20850. The Secretary of Housing and Urban Development will bid $449,091.13. 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 $45,000.00 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 $45,000.00 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 2, 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 BEGINNING for the same at a point on the southerly right-of-way line of Fairland Road, variable width, said point being the northerly end of the 4th or South 0 degrees 49’ 10” West, 237.85 foot line, as described in a conveyance from Dora Williams, to Walter Louis Williams, dated August 6, 1968, and recorded among the aforesaid Land Records in Liber 3843 at Folio 74, said point also being on the 3 rd or South 74 degrees 00’ 10” East, 120.77 foot line of said first mentioned conveyance, and running thence with a part of said line, with said southerly right-of-way line of Fairland Road 1. South 74 degrees 00’ 10” East, 22.32 feet to a point; thence continuing with said southerly right-of-way line of Fairland Road, with a part of the 4th or South 83 degrees 18’ 35” East, 453.34 foot line of said first mentioned conveyance 2. South 83 degrees 18’ 35” East, 87.12 feet to a point; thence crossing said first mentioned conveyance 3. South 0 degrees 49’ 10” West, 223.09 feet to a point on the 1 st of North 89 degrees 10’ 50” West, 566.53 foot line of said first mentioned conveyance, distant 363.31 feet westerly from the easterly end thereof, said point also being on the northerly line of Lot 18, Block 24, as shown on the plat of Subdivision entitled “Plat One, Calverton”, recorded among said Land Records in Plat Book 77, as plat No. 7640; thence with part of said 1 st line of said first mentioned conveyance, with the northerly line of Lots 18 and 17, as shown on said plat, and with a part of the northerly line of Lot 16, Block 24, as shown on a plat of subdivision entitled “Plat Two, Calverton”, recorded among the said Land Records in Plat Book 77 as Plat No. 7641 4. North 89 degrees 10’ 50” West, 108.23 feet to the southerly end of the aforesaid 4 th or South 0 degrees 49’ 10” West, 237.85 foot line of said mentioned conveyance; thence reversely with said line 5. North 0 degrees 49’ 10” East, 237.85 feet to the place of beginning containing 24,785 square feet or 0.5690 of an acre of land Saving and Excepting .662 ST. FT. conveyed to Montgomery County by Deed recorded in Liber 30153, Folio 47. Being also known as Lot numbered Fifty-one (51) in Block numbered Twenty-four (24) in the subdivision known as “CALVERTON” as per plat thereof recorded among the Land Records of Montgomery County, Maryland in Plat Book 163 at Plat 18381. The improvements thereon being commonly known as No. 3131 Fairland Road, Silver Spring, MD 20904. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/23, 12/30, 1/6 Ad#98384

BWW Law Group, LLC 6003 Executive Blvd., Suite 101 Rockville, MD 20852 (301) 961-6555 COURT APPOINTED TRUSTEE JUDICIAL SALE OF REAL PROPERTY 3115 G Street, SE Washington, DC 20019 In execution of the Superior Court for District of Columbia's Order/Decree in Case #2024-CAB-000240 the Trustees will offer for sale at public auction the real property located at 3115 G Street, SE, Washington, DC, 20019, designated as being Square 5484, Lot 0040, and as more fully described in the Deed of Trust dated October 20, 2009, which is recorded as Instrument #2009120305 in the Land Records of the District of Columbia. The sale will occur within the offices of Alex Cooper Aucts., Inc., 4910 Massachusetts Ave., NW #100, Washington, DC 20016, 202-364-0306 on WEDNESDAY, JANUARY 21, 2026 AT 12:25 PM The property, in fee simple, together with all improvements thereon, will be sold by Trustee’s deed, in “as is” condition, subject to conditions, restrictions, and agreements of record affecting the same, if any, and with no warranty of any kind. The sale will be subject to ratification by the Court. TERMS OF SALE : A deposit of $55,000, in the form of a certified check, cashier's check, or money order, will be required of the purchaser at the time and place of sale. The deposit required to bid at the auction is waived for the Noteholder and any of its successors or assigns. The Noteholder may bid up to the amount owed on the Note plus all costs and expenses of sale on credit and may submit a written bid to the Trustee, which shall be announced at sale. The sale is subject to ratification by the Court. The balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, to be paid in certified funds within 30 days of final ratification of the sale by the Court. There will be no abatement of interest for the purchaser in the event additional funds are tendered before settlement, or in the event settlement is delayed for any reason whatsoever. TIME IS OF THE ESSENCE FOR THE PURCHASER. If purchaser fails or refuses to settle within the aforesaid time frame, the deposit will be forfeited and the Trustees may apply the deposit toward costs, fees, and their compensation associated with the initial auction and the resale process, with any remaining amount credited to the underlying debt. Additionally, if the purchaser fails to timely settle, the Trustees may file a motion to resell the property, and the purchaser agrees to pay the Trustees’ reasonable attorney fees as ordered by the Court in connection with said motion. The purchaser also waives personal service of any paper and Show Cause Order in connection with a motion to resell, expressly agrees to accept service by certified mail and regular mail sent to the address provided by the purchaser on the documents executed at the time of the sale, and agrees that such service is complete upon mailing and that actual receipt of said mailings is not required. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. Real estate taxes are adjusted for the fiscal year in which the property is sold through the date of the sale, and thereafter assumed by the purchaser. Purchaser is responsible for any recapture of homestead tax credit. All other public and/or private charges or assessments, to the extent such amounts survive foreclosure sale, including water/sewer charges, whether incurred prior to or after the sale to be paid by the purchaser. All transfer taxes and recordation taxes shall be paid by purchaser. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to property from the date of sale. The sale is subject to post-sale 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 the deposit without interest. Court Appointed Trustees will convey either marketable or insurable title. If they cannot deliver one or the other, or if ratification of the sale is denied by the Superior Court for any reason, the Purchaser's sole remedy, at law or equity, is return of the deposit without interest. BWW#: 347218-1 Howard N. Bierman, Carrie M. Ward, et. al., Court Appointed Trustees Dec 23, Dec 30, Jan 6, Jan 13 (Serial #524933) Ad#98661

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on December 15, 2006, a certain Deed of Trust was executed by Florence Wood as Grantor(s) in favor of Wells Fargo Bank as Beneficiary, and B George Ballman as Trustee(s), and was recorded on December 28, 2006, in Book 33544, Page 748 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 May 13, 2019, and recorded on May 14, 2019, in Book 57555, Page 118, 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 August 13, 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 October 30, 2025 is $486,616.30; 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 7, 2026 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: 18326 Brooke Road, Sandy Spring, MD 20860 Tax ID: 08-00722934 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 $486,616.30. 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 $49,000.00 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 $49,000.00 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: October 30, 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 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 PARECEL of land in Montgomery County, State of Maryland as, more fully described in Deed Book 9312, Page 391, ID# 0072293.BEING KNOWN AND DESIGNATED as 2.00 acres of land district 08, metes and bounds property described as: PARTS OF TRACTS of land called Charley Forest and ETC…, Onley District, Montgomery County, Maryland. Beginning for the same at a point on the Westerly side of Brooke Road. The beginning of the second line of 2.00acres of conveyed to William H. Budd and recorded among the Land Records of Montgomery County, Maryland in Liber J A 15 at folio 194, thence leaving said road and to include part of the lands as conveyed to Edwin G. Wilson and Recorded in Liber 3702, folio 59 Degrees, S 56 00’ West 530.05 feet thence North 32 degrees 15’ West 178.20 feet thence North 58 degrees 51’ East 525.90 feet to Brooke Road thence bounding thereon South 33 degrees 45’ East 152.00 feet to the place of the beginning containing two (2.00) acres of land. The improvements thereon being known as No. 18326 Brooke Road. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 12/23, 12/30, 1/6 CGD File No. 464332 Ad#98559

TRUSTEE'S SALE OF 11125 ROCK GARDEN DRIVE, FAIRFAX, VA 22030 In execution of a Deed of Trust in the original principal amount of $213,750.00, with an annual interest rate of 4.750000% dated October 29, 2018, recorded among the land records of the Circuit Court for the Fairfax as Deed Book 25574, Page 1915, the undersigned appointed Substitute Trustee will offer for sale at public auction all that property located in the Fairfax, on the courthouse steps at the front of the Circuit Court building for the County of Fairfax located at 4110 Chain Bridge Road, Fairfax, Virginia on February 24, 2026 at 10:00 AM, the property with improvements to wit: OXFORD ROW CONDOS PHASE 2 UNIT 11 0.13 CGE 9758-602 Tax Map No. 57 1 06 02 011 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: Conventional. Reference Number 25-299851. 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 23rd, 2025 January 20th, 2026 January 27th, 2026 AD#98660

Trustee's Sale 6938 Versaille Dr, Fredericksburg, VA 22407 (Parcel ID: 22T32-397) Default having been made in the terms of a certain Deed of Trust dated 12/31/2020, in the original principal amount of $414,315.00 and recorded in the Clerk's Office of the Circuit Court of the Spotsylvania county, Virginia on 01/05/2021, as Instrument No. 210000292, in Book ---, Page ---, the undersigned Substitute Trustees will sell at public auction on 01/28/2026 at 11:00 AM, Spotsylvania County Circuit Court, 9107 Judicial Center Lane, Spotsylvania, VA 22553, the property designated as: Lot Three Hundred Ninety-Seven (397) The Glen, Section 9J, SALEM FIELDS, as the same appears duly dedicated, platted and recorded as instrument number 2003000018236, among the land records of Spotsylvania County, Virginia. TERMS: CASH. A deposit of $41,431.50 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $9,900.00 of cash will be accepted. The successful bidder's deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be responsible for obtaining possession of the property, and for all costs and fees related to recording the Trustee's Deed, including the grantors tax. The successful bidder will be required to execute a Memorandum of Trustee' Sale, available for review upon request before the sale, outlining additional terms of sale and settlement. A Trustee's Deed will be prepared by Trustee's attorney at high bidde's expense. Sale is subject to the right of redemption of the IRS or any Title issue, if they exist. For More Information Contact : Western Progressive - Virginia, Inc Regus Arlington Ballston, 4250 N Fairfax Drive, Suite 600 Office Number 675 Arlington VA 22203 Telephone #: 866-960-8299 Fax #: 866-960-8298 Email: TrusteeQuote@altisource.com Run Dates: December 23rd, 2025 December 30th, 2025 AD#98386