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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on December 2, 2009, a certain Deed of Trust was executed by Fancy Moses as Grantor(s) in favor of Sun West Mortgage Company, Inc as Beneficiary, and Commonwealth Land Title Company as Trustee(s), and was recorded on March 10, 2010, in Book 38968, Page 283 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 March 8, 2016, and recorded on April 20, 2016, in Book 51942, Page 433, 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 June 9, 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 August 25, 2025 is $1,133,091.51; 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 October 8, 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: 7400 Carroll Avenue, Takoma, MD 20912 Tax ID: 13-01065648 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 $1,133,091.00. 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 $115,000.00 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 $115,000.00 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: August 26, 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 piece or parcel of land situate, lying and being in Montgomery County, State of Maryland, described as follows to wit: Part of Section 7 of S.S. Carroll’s Addition to Takoma Park, as shown on Plat recorded in Judgment record J.A. No. 12, folio 24, particularly described as follows: BEGINNING at a corner of Section 7 in said subdivision at the intersection of the easterly line of Sherman Avenue with the northerly line of Carroll Avenue, and running thence along the easterly line of Sherman Avenue, North 32 degrees 26 minutes West 120 feet; thence North 37 degrees East, Parallel with the north line of Carroll Avenue 52.5 feet to a point; the northwesterly corner of land conveyed to C.E. Schofield et ux; thence along the Westerly line of the Schofield land; South 42 degrees 24 minutes East 116.08 feet more or less, to the northerly line of Carroll Avenue; thence with the line of Carroll Avenue, South 37 degrees West 65 feet to the place of beginning; EXCEPTING however, the part thereof conveyed to Martin F. Iverson, et ux by deed dated January 24,1926, and recorded in Liber 392 at folio 303 of the said Land Records. Said property being in the 13th Election District of said County. THE IMPROVEMENT THEREON BEING COMMONLY KNOWN AS 7400 Carroll Avenue, Takoma Park, MD 20912 BEING the same property conveyed to Fancy Moses from Vijayakimar Moses and Fancy Moses, by Fee Simple Deed dated August 22, 1988, and recorded on September 13, 1988, in Liber 8465, Folio 159. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 9/23, 9/30, 10/7 CGD File No. 464010

TRUSTEE’S SALE OF 5500 SEQUOIA FARMS DR, CENTREVILLE, VA 20120. In execution of a certain Deed of Trust dated November 19, 2019, in the original principal amount of $360,000.00 recorded in the Clerk’s Office, Circuit Court for Fairfax County, Virginia, in Book 25991 at Page 0759 as Instrument No. 2019078324.001. 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 December 17, 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 3, SECTION 4, SEQUOIA FARMS, AS THE SAME APPEARS DULY DEDICATED, PLATTED AND RECORDED IN DEED BOOK 6255 AT PAGE 331, AMONG THE LAND RECORDS OF FAIRFAX COUNTY, VIRGINIA. 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-379743-1. October 21st, 2025 October 28th, 2025 November 18th, 2025 AD#97237

Law Offices of Jeffrey Nadel 4041 Powder Mill Road, Suite 200 Calverton, Maryland 20705 240-473-5000 SUBSTITUTE TRUSTEES' SALE OF REAL PROPERTY 4611 Pistachio Lane Capitol Heights, MD 20743 Under a power of sale contained in a certain Deed of Trust from Denise D. Kennedy, dated April 10, 2007, and recorded in Liber 27793, Folio 491, and re-recorded in Liber 32615, Folio 485, and re-recorded in Liber 40541, Folio 231 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 October 21, 2025 at 11:30 AM ALL THAT FEE SIMPLE LOT OF GROUND KNOWN AS Lot 57, Plat Two, Coral Hill Townhomes, situated in Prince George’s County, MD and more fully described in the aforesaid Deed of Trust, carrying Tax ID No. 06-0601260. 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 $30,000.00 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 #17805) Jeffrey Nadel and Scott Nadel, Substitute Trustees Tidewater Auctions, LLC P.O. Box 9, Phoenix, MD 21131 410-825-2900 Washington Times, 10/6, 10/13, 10/20 AD#97005

TRUSTEE’S SALE OF 11603 APRILS COURT, SPOTSYLVANIA, VIRGINIA 22551 COUNTY OF SPOTSYLVANIA In execution of a certain deed of trust dated 07/11/23, in the original principal amount of $721,925.00 recorded in the County of Spotsylvania, Virginia, as Instrument No. 230009194, as amended by an instrument appointing the undersigned as Substitute Trustee, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the building housing the Circuit Court of the COUNTY OF SPOTSYLVANIA, VA located at 9107 Judicial Center Lane, Spotsylvania, Virginia, 22553 on November 10, 2025 , at 10:00am , the property described in said deed of trust, located at the above address, with improvements thereon and more particularly described as follows: LOT 1802, SECTION 22, FAWN LAKE, AS THE SAME IS SET FORTH IN DEED OF SUBDIVISION, EASEMENT AND VACATION OF EASEMENT DATED AUGUST 23-2022, AND PLAT ENTITLED "REPLAT/SUBDIVISION PLAT (TAX MAP 18C-50-A) FAWN LAKE, SECTION 22" ATTACHED THERETO, RECORDED AS INSTRUMENT NUMBER 220019232, AMONG THE LAND RECORDS OF SPOTSYLVANIA COUNTY, VIRGINIA, AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY HEREBY CONVEYED. TERMS OF SALE: Neither the Substitute Trustee nor the holder of the note secured by the deed of trust will deliver possession of the property to the successful bidder. The purchaser at the sale will be required to pay all closing costs. Real estate taxes, water/sewer fees and other public charges will be prorated as of the date of sale. The risk of loss or damage to the property passes to the purchaser immediately upon the conclusion of the Substitute Trustee’s sale. Terms: A bidder’s deposit of ten percent (10%) of the sale price or ten percent price (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of sale. The balance of the purchase price will be due within 20 days at the office of the Substitute Trustee. The Substitute Trustee reserves the right to suspend bidding prior to completion of the sale. Time is of the essence as to the closing date and the payment of the purchase price. If payment of the balance does not occur within twenty days of the sale date, the deposit will be forfeited. Seller shall not be responsible for any costs incurred by the purchaser in connection with their purchase or settlement, including, without limitation, state and local recording fees, title insurance or research, or any other costs of purchaser’s acquisition. Trustee shall have no duty to obtain possession for purchaser. All risks of casualty pass to successful bidder at conclusion of bidding. The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Sale is subject to post-sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower(s) entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of the Purchaser’s deposit without interest. Additional terms to be announced at the sale. For more information contact: Michael T. Cantrell, Esq., member of Surety Trustees, at 301-490-3361 or www.mwc-law.com . October 6th, 2025 October 13th, 2025 AD#96228

Please take notice that upon expiration of 30 days after publication of this notice, the undersigned institution will transfer over to James Cloy Morgan, Personal Representative of the Estate of Jerruel Ray Morgan who died July 13, 2025 and who was at the time of death domiciled in Lone Grove, Oklahoma certain funds which are held by the undersigned for Jerruel Ray Morgan October 22 & 29, 2025 November 5 & 12, 2025 Ad#97409