Notice of default and foreclosure sale due to unpaid mortgage.

APN: 013-140-052-000 T.S. No. NR-53879-ca U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT NOTICE OF DEFAULT AND FORECLOSURE SALE. Recorded in accordance with 12 USCA 3764 (c) WHEREAS, on 11/9/2005, a certain Deed of Trust was executed by JUNIOR RAY EDWARDS and BERTHA JO EDWARDS, HUSBAND AND WIFE, AS JOINT TENANTS as trustor in favor of FINANCIAL FREEDOM SENIOR FUNDING CORPORATION, A SUBSIDIARY OF INDYMAC BANK, FSB as beneficiary, and ALLIANCE TITLE COMPANY as trustee, and was recorded on 11/21/2005, as Instrument No. 2005R-028964, in Book XX, Page XX, in the Office of the County Recorder of Yuba County, California; 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 beneficial interest in the Deed of Trust is now owned by the Secretary, pursuant to an Assignment of Deed of Trust dated 6/8/2021, recorded on 6/24/2021, as instrument number 2021-011609, book XX, page XX, in the Office of the County Recorder, Yuba County, California; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on 3/6/2026, was not made due to a borrower dies and the property is not the principal residence of at least one surviving borrower and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of 3/6/2026 is $323,629.13; 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 Nationwide Reconveyance, LLC as Foreclosure Commissioner see attached exhibit "A", Pursuant to Section 805 of the Single Family Mortgage Foreclosure Act of 1994 ( .. Act"), codified at 12 U.S.C. § 3754, and Section B( 11) of the Consolidated Redelegation of Authority to the Office of General Counsel, 76 Fed. Reg. 42463, published on July 18, 2011, Nationwide Reconveyance LLC is hereby designated as a single family foreclosure commissioner to act on behalf of the Secretary of Housing and Urban Development to conduct non-judicial foreclosures in the State of California of the m01tgages that may be refe1Ted to you by the Department of Housing and Urban Development. A copy of the Act, as codified al I 2 U.S.C. §§ 3751-3768, is enclosed, along with the Final Rule and Appendix published in the Federal Register at 61 Fed. Reg. 48546 on September 13, 1996, codified at 24 C.F.R. part 27, subpart B. Foreclosures that are referred to you are to be conducted pursuant to the Act, the regulations. and the letter and instructions that will be given to you al the lime of referral of a case. As foreclosure commissioner, you are a fiduciary and not an employee of the Department of Housing and Urban Development or of the Federal government. You will be responsible for your actions as any other fiduciary. The commission that will be paid to you upon completion of a non-judicial foreclosure is $1,425.00. A percentage of that amount will be paid for cases that are withdrawn by HUD, based on the following schedule: 20% for work completed up to .. service'' of the Notice of Foreclosure and Sale; and 80% when the Notice of Foreclosure and Sale has been "served,'' including the start of publication. or posting if required. This Designation is effective immediately and can be revoked with or without cause pursuant to the Act. An original and two copies of this Designation are enclosed. Please sign and date then1, providing your Tax Identification or Social Security Number, notarize, and return one copy to Kimberly Nash at I Sansome Street, 12th Floor, San Francisco, CA 94104. BEN CARSON SECRETARY OF HUD Dated this 11th day of April 2017 Kenneth M. Propst Acting Regional Counsel notice is hereby given that on 5/21/2026 at 1:30 PM local time, all real and personal property at or used in connection with the following described property will be sold at public auction to the highest bidder: Legal Description: THAT PORTION OF LOT 25, IN THE COUNTY OF YUBA, STATE OF CALIFORNIA, AS SHOWN ON THE MAP OF THE SUBDIVISION OF OLIVEHURST TRACT, ON FILE IN THE OFFICE OF THE COUNTY RECORDER OF THE COUNTY OF YUBA, STATE OF CALIFORNIA, IN BOOK 2 OF MAPS, PAGE 5, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE SOUTHERLY SIDE OF SAID LOT 25, SAID POINT BEING 172 FEET EASTERLY FROM THE SOUTHWESTERLY CORNER OF SAID LOT 25; THENCE EASTERLY ALONG THE SOUTHERLY SIDE OF LOT 25, A DISTANCE OF 67 FEET; THENCE NORTHERLY AT RIGHT ANGLES, 165 FEET; THENCE WESTERLY AT RIGHT ANGLES 67 FEET, AND THENCE SOUTHERLY AT RIGHT ANGLES 165 FEET TO THE POINT OF BEGINNING. Commonly known as: 1895 8TH A VENUE, OLIVEHURST, CA 95961 The sale will be held at THE FRONT ENTRANCE TO THE COUNTY COURTHOUSE 215 5TH STREET, MARYSVILLE, CA 95901. The Secretary of Housing and Urban Development will bid an estimate of $330,839.11. For sales information www.superiordefault.com or 855-986-9342 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 $33,083.91 [10% of the Secretary's bid] in the form of a certified check or cashier's check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of $33,083.91 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 high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyancing fees, all real estate and other taxes that are due on or after the delivery 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 Field Office 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 field office 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 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 amount that must be paid if the Mortgage is to be reinstated prior to the scheduled sale is $330,839.11, as of 5/20/2026, 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. NOTICE TO POTENTIAL BIDDERS: Please be advised that the trustee may require entity or trust bidders at this trustee's sale to provide information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a trustee's deed upon sale will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at:
https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering­regulations-for-residential-real-estate-transfers and:
https://www.fincen.gov/rre-faqs. Date: 4/15/2026
By: Rhonda Rorie, rr@nationwidereconveyance.com Nationwide Reconveyance, LLC U.S. Dept. of HUD Foreclosure Commissioner 9665 Chesapeake Dr., Ste. 365, San Diego, CA 92123 (858) 201-3590 Fax(858)348-4976 (TS#NR-53879-CA SDI-37079) April 25, May 2 & 9, 2026   Ad#00314227