Type:   NJF
Party:   Accredited Home Lenders, Inc
County:   Lonoke
Attorney:   J.P. Sellers
Property:   21 Oak Meadows Dr, Cabot AR 72023
Property Description:   L79, Oak Meadows Subd

MORTGAGEE'S NOTICE OF DEFAULT AND INTENTION TO SELL. YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR SUCH PURPOSE. On October 28, 2003, Kevin Lee Bradford executed a Mortgage in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. , AS MORTGAGEE, AS NOMINEE FOR ACCREDITED HOME LENDERS, INC., ITS SUCCESSORS AND ASSIGNS, which was recorded on  November 12, 2003, as Instrument No.  200316451 in the real property records of Lonoke County, Arkansas.  The party initiating foreclosure can be contacted at or in care of its servicer initiating foreclosure at: PHH Mortgage Corporation, 1 Mortgage Way, Mt. Laurel, NJ 08054, at Telephone No. 1.800.330.0423; and The default for which foreclosure is made is the mortgagor(s) failure to pay the full amount of each monthly payment on the date it is due as required by the terms of the Note and Security Instrument. Because of the failure to cure the default the indebtedness was accelerated, is now therefore wholly due and the Mortgagee has requested the property be sold to satisfy said indebtedness. On Thursday, November 5, 2020 on or about 10:00 AM, the following described real property will be sold at the front door entrance of the Lonoke County Courthouse, 301 North Center St., Lonoke, AR 72086, to the highest bidder for cash: Lot 79, Oak Meadows Subdivision, to the City of Cabot, Lonoke County, Arkansas. More commonly known as 21 Oak Meadows Dr., Cabot, AR 72023. There may be occupants that claim an interest in the real property herein based upon said occupancy. The undersigned is the attorney-in-fact for the mortgagee and is acting on behalf of and with the consent of the mortgagee who is exercising its power of sale under Ark. Code Ann. Section 18-50-115 which implies a power of sale in every mortgage of real property situated in this State that is duly acknowledged and recorded. The sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. Unless discharged by bankruptcy, if your property is sold, then you will remain liable for any deficiency and an action for collection may be brought against you.  The sale held pursuant to this Notice may be rescinded at the Attorney-in-Fact's option at any time.  The right is reserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above.  The property is being sold “as is” with no representation as to its condition THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid.  The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. Witness my hand this 31st  day of July,  2020. J.P. Sellers, Attorney at Law, Bar Number 2009232. Attorney-in-Fact for DEUTSCHE BANK TRUST COMPANY AMERICAS AS INDENTURE TRUSTEE FOR THE REGISTERED HOLDERS OF SAXON ASSET SECURITIES TRUST 2004-1 MORTGAGE LOAN ASSET BACKED NOTES AND CERTIFICATES, SERIES 2004-1. Mackie Wolf Zientz & Mann, P.C., 124 W. Capitol Avenue, Suite 1560, Little Rock, AR 72201. (501) 218-8111. 12-001655-670DR4T-10/6,10/13,10/20,10/27/20