NOTICE OF DEFAULT AND FORECLOSURE SALE

Tax ID: 7801-52-4000 NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on April 27, 2013, a certain Deed of Trust was executed by Paul Elliott Moss, Jr. as Grantor(s) in favor of New Day Financial, LLC as Beneficiary, and H. Carter Land III, Esquire as Trustee(s), and was recorded on May 23, 2013, as Instrument Number 20130523000082420, Book 3062, Page 2306, in the Land Records Division of Hanover County Circuit Court; 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 November 29, 2018, and recorded on February 12, 2019, as Instrument Number 20190212000015390, Book 3217, Page 1001, in the Land Records Division of Hanover County Circuit Court; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on July 24, 2026, 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 August 23, 2026 is $612,990.71; 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 November 4, 2026 at 1:30 pm 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: 14118 Clazemont Road, Montpelier, VA 23192 Tax ID: 7801-52-4000 The sale will be held at the Hanover County Circuit Court. The Secretary of Housing and Urban Development will bid $621,989.23. 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 $61,200.00 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 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: September 25, 2026 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 410-296-2550 ForeclosureAttorney@cgd-law.com Exhibit “A” ALL THAT CERTAIN TRACT, PIECE OR PARCEL OF LAND LYING AND BEING IN THE SOUTH ANNA DISTRICT, HANOVER COUNTY, VIRGINIA CONTAINING 7.69 ACRES, ACCORDING TO A PLAT OF SURVEY DATED OCTOBER 21, 1991, PREPARED BY KENNETH M. HART & ASSOCIATES, INC., PROFESSIONAL LAND SURVEYORS, A COPY OF WHICH IS HEREBY MADE FOR A COMPLETE DESCRIPTION OF THE LAND HEREIN CONVEYED. SUBJECT TO ALL RESTRICTIONS, EXCEPTIONS, RESERVATIONS, STIPULATIONS, CONDITIONS, RIGHTS OF WAY AND EASEMENTS OF RECORD. BEING THE SAME PROPERTY CONVEYED TO PAUL ELLIOTT MOSS, JR AND BARBARA THOMAS MOSS, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY WITH RIGHT OF SURVIVORSHIP BY DEED FROM CHERYL C. PAYNE, ADMINISTRATOR OF THE ESTATE OF LILLIAN W. COCKE, DECEASED, ET AL, RECORDED 10/30/1991 IN DEED BOOK 883, PAGE 98, IN THE OFFICE OF THE RECORDER OF DEEDS OF HANOVER COUNTY, VIRGINIA.