WILLARD/SAVAGE
NOTICE OF SALE UNDER POWER
GEORGIA, HABERSHAM COUNTY
By virtue of a Power of Sale contained in that certain Security Deed from KIMBERLY WILLARD AKA KIMBERLY D. SAVAGE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR CITIZENS FIDELITY MORTGAGE CORP, dated February 27, 2009, recorded March 12, 2009, in Book 879, Page 482, Habersham County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Seven Thousand One Hundred Eighty-Seven and 00/100 dollars ($127,187.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Wilmington Savings Fund Society, FSB, as trustee of Stanwich Mortgage Loan Trust F, there will be sold at public outcry to the highest bidder for cash at the Habersham County Courthouse, within the legal hours of sale on the first Tuesday in September, 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 LOTS 103 AND 104 OF THE 10TH LAND DISTRICT OF HABERSHAM COUNTY, GEORGIA, BEING KNOWN AND DESIGNATED AS LOT 7 OF SILVERWOOD SUBDIVISION, CONTAINING 1.70 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED BY KENYON L. MILLER, RLS, RECORDED IN PLAT BOOK 47, PAGE 270, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA, WHICH SAID PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION.
Said legal description being controlling, however the property is more commonly known as 118 SALEM LANE, CORNELIA, GA 30531.
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 KIMBERLY WILLARD AKA KIMBERLY D. SAVAGE, ESTATE AND/OR HEIRS AT LAW OF KIMBERLY WILLARD, STEVE WILLARD, ETHAN SAVAGE, CELIA SAVAGE, or tenant(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) purchasers 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: Carrington Mortgage Services, LLC, Loss Mitigation Dept., 500 N. State College Blvd. Suites 1030, 1300 and 1400, Orange, CA 92868, Telephone Number: 800-561-4567. 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.
WILMINGTON SAVINGS FUND
SOCIETY, FSB, AS TRUSTEE OF STANWICH MORTGAGE LOAN TRUST F
as Attorney in Fact for
KIMBERLY WILLARD AKA
KIMBERLY D. SAVAGE
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. CMS-23-02952-11
Ad Run Dates 06/24/2026, 08/05/ 2026, 08/12/2026, 08/19/2026, 08/26/ 2026
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