DANIEL RUIZ ZEPEDA NOTICE OF SALE UNDER POWER GEORGIA, HALL COUNTY By virtue of a Power of Sale contained in that certain Security Deed from DANIEL RUIZ ZEPEDA to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR PROSPERITY HOME MORTGAGE, LLC, dated February 27, 2025, recorded February 28, 2025, in Deed Book 9613, Page 662, Hall County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Eighty-Nine Thousand Seven Hundred Thirty-Three and 00/100 dollars ($289,733.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to PennyMac Loan Services, LLC, there will be sold at public outcry to the highest bidder for cash at the Board of Commissioners meeting room on the 2nd floor of the Hall County Government Center located at 2875 Browns Bridge Road, Gainesville, Georgia, within the legal hours of sale on the first Tuesday in July, 2026, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 50, 10TH LAND DISTRICT, HALL COUNTY, GEORGIA, AND BEING DESCRIBED AS 2.06 ACRES, MORE OR LESS, ACCORDING TO THE PLAT THEREOF ENTITLED SURVEY FOR TINA MARIE BRUCE, FILED FOR RECORD 10/22/1991, AND PREPARED BY JIMMY D. BULLOCK AND ASSOCIATES, REGISTERED SURVEYORS, RECORDED IN PLAT BOOK 89, PAGE 239B, AND AS REVISED IN PLAT BOOK 885, PAGE 149, HALL COUNTY, GEORGIA RECORDS; SAID PLAT BEING HEREBY INCORPORATED HEREIN AND MADE A PART HEREOF. Said legal description being controlling, however the property is more commonly known as 4092 LEACH RD, GAINESVILLE, GA 30506. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is DANIEL RUIZ ZEPEDA, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) purchaser's tendering to Rubin Lublin, LLC, anti-money laundering information as required pursuant to the FinCEN Real Estate Report Rule. Failure to provide information, could result in rescission of the sale. The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: PennyMac Loan Services, LLC, Loss Mitigation Dept., 3043 Townsgate Road Suite 200, Westlake Village, CA 91361, Telephone Number: 1-866-549-3583. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument. PENNYMAC LOAN SERVICES, LLC as Attorney in Fact for DANIEL RUIZ ZEPEDA THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. PNY-26-01418-1 rlselaw.com/property-listing 159312 5/6, 6/10, 17, 24, 7/1