What does this foreclosure notice mean for Judy Knight?

It means she defaulted on the mortgage and the lender is moving to sell the secured property to recover the loan balance.

How much was the original loan amount?

The original principal amount of the note was $163,855.00.

Who currently holds the mortgage?

Freedom Mortgage Corporation is the recorded transferee of the mortgage as of December 22, 2025.

Foreclosure — Shelby

Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research

Lender

Affects:HomeownersProperty BuyersCreditors

This notice announces a foreclosure sale for property in Shelby County after borrower Judy Knight defaulted on a $163,855 mortgage originally held by Freedom Mortgage Corporation. The lender seeks to sell the secured property to satisfy the debt through a public foreclosure sale.

Key Takeaways

Default on mortgage by Judy Knight triggered foreclosure
Original loan amount: $163,855.00
Mortgage recorded Feb 1, 2021 (Instrument #20210201000052260)
Assignment to Freedom Mortgage recorded Dec 22, 2025
Sale to be conducted by lender's counsel, Brock and Scott, PLLC

Published: May 10, 2026 · 1 week ago
Category: Foreclosure
City: Shelby

Research context

4 foreclosure notices in Shelby (last 12 months)

If you don't respond

If no action is taken, the lender will proceed with a public foreclosure sale to recover the debt; the sale will extinguish the homeowner's equity in the property. Specific sale date and redemption period are not provided in this notice.

What to do next

1
Contact foreclosure counsel
Reach out to Brock and Scott, PLLC (listed as counsel) immediately to discuss options and obtain the sale date and redemption rights.
2
Review mortgage records
Obtain the recorded mortgage (Instrument #20210201000052260) and assignment (Instrument #20251222000390860) at the Shelby County probate office for full details.
3
Consider legal or financial help
Consult a foreclosure attorney or housing counselor right away to explore reinstatement, loan modification, or redemption options before the sale.

Frequently asked questions

What does this foreclosure notice mean for Judy Knight?: It means she defaulted on the mortgage and the lender is moving to sell the secured property to recover the loan balance.
How much was the original loan amount?: The original principal amount of the note was $163,855.00.
Who currently holds the mortgage?: Freedom Mortgage Corporation is the recorded transferee of the mortgage as of December 22, 2025.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

assignment: A transfer of the mortgage from one lender to another, recorded in county records.
mortgagee: The lender or holder of the mortgage loan securing the property.
instrument number: A unique identifier for a recorded document in the county probate or land records.

Full Notice Text

PUBLIC NOTICE

NOTICE OF 
FORECLOSURE SALE 
SHELBY COUNTY, ALABAMA

Default having been made in the payment of the indebtedness secured by that certain mortgage given by Judy Knight, an unmarried woman to Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Freedom Mortgage Corporation, dated November 27, 2020, and recorded at  Instrument # 20210201000052260 on February 1, 2021, in the Office of the Judge of Probate of Shelby County, Alabama, as last transferred to Freedom Mortgage Corporation by assignment, recorded on December 22, 2025, Instrument Number 20251222000390860 in the Office of the Judge of Probate of Shelby County, Alabama, conveying the after-described property to secure a Note in the original principal amount of One Hundred Sixty-Three Thousand Eight Hundred Fifty-Five and 0/100 dollars ($163,855.00), with interest thereon as set forth therein. Brock and Scott, PLLC, as counsel for Mortgagee or Transferee and under and by virtue of power of