What does this foreclosure notice mean for the homeowner?

It means the homeowner is in default and HUD intends to foreclose unless the debt is cured by the deadline specified in the complete notice.

Where was the mortgage recorded?

The mortgage and assignment were recorded in the Office of the Judge of Probate of Tallapoosa County, Alabama.

Foreclosure — Tallapoosa

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Government

Affects:HomeownersCreditorsProperty BuyersGovernment Agencies

This notice announces a default on a mortgage originated in 2013 secured in Tallapoosa County now owned by HUD/US Secretary of Housing and Urban Development, and notifies the public of an upcoming foreclosure sale to enforce the mortgage.

Key Takeaways

Mortgage executed Feb 25, 2013 and recorded Mar 4, 2013
Mortgage insured and now owned by the U.S. Secretary of HUD
Assignment recorded Sept 5, 2019 in Tallapoosa County
Notice of default and pending foreclosure sale

Published: May 20, 2026 · today
Category: Foreclosure
City: Tallapoosa

Research context

4 foreclosure notices in Tallapoosa (last 12 months)

If you don't respond

If the default is not cured before the foreclosure sale, the mortgage holder (HUD) will proceed with the sale and the borrower may lose the property; specific cure deadline and sale date are in the full notice.

What to do next

1
Locate full notice for dates and amounts
Find the complete foreclosure notice (titled Notice of Default and Foreclosure Sale) in Tallapoosa County records to get the cure deadline and sale date.
2
Contact HUD or loan servicer
Contact HUD or the mortgage servicer listed in the full notice immediately to discuss reinstatement or loss mitigation options.
3
Consult an attorney
Consult a foreclosure or real estate attorney in Tallapoosa County before the sale date to understand rights and possible defenses.

Frequently asked questions

Who currently owns the mortgage?: The mortgage is owned by the United States Secretary of Housing and Urban Development (HUD), per the recorded assignment.
What does this foreclosure notice mean for the homeowner?: It means the homeowner is in default and HUD intends to foreclose unless the debt is cured by the deadline specified in the complete notice.
Where was the mortgage recorded?: The mortgage and assignment were recorded in the Office of the Judge of Probate of Tallapoosa County, Alabama.

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

mortgagee: The lender or entity that holds the mortgage.
mortgagor: The borrower who gave the mortgage on the property.
assignment: A transfer of the mortgage ownership from one party to another.

Full Notice Text

PUBLIC NOTICE

NOTICE OF DEFAULT AND FORECLOSURE SALE

WHEREAS, on February 25, 2013, a certain Mortgage was executed by Jerry Ford as mortgagor(s) in favor of Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for Open Mortgage, LLC, its successors and assigns as mortgagee, and was recorded on March 4, 2013, as Instrument Number 280369 in the Office of the Judge of Probate of Tallapoosa County, State of AL; and 
WHEREAS, the 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 Mortgage is now owned by the Secretary, pursuant to an assignment dated August 16, 2019 and recorded on September 5, 2019, as Instrument Number 335298 in the Office of the Judge of Probate of Tallapoosa County, State of AL; and 
WHEREAS, a default has been made in the covenants and conditions of the Mortgage in that the payment due