TS No.: NV-22-940803-NJ Order No.: 8777701 It is hereby affirmed that this document submitted
for recording does not contain the social security number of any person or persons. (Per NRS
239B.030). NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on 1/12/2005, a
certain Deed of Trust was executed by ALAN MULLICAN AND L. EDRIE MULLICAN, HUSBAND
AND WIFE, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP, as trustor(s), in favor of
U.S. FINANCIAL MORTGAGE CORP, as beneficiary, and was recorded on 1/18/2005 Instrument
No. 0634663, Book 0105, Page 5807 in the Office of the County Recorder of DOUGLAS County,
NV; 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 Deed of Trust is now owned by the Secretary,
pursuant to an Assignment recorded on 5/2/2017 as Instrument Number 2017-898078 in Book xx,
Page xx of DOUGLAS County, NV; and WHEREAS, a default has been made in the covenants
and conditions of the Deed of Trust in that: THE PROPERTY CEASED TO BE THE PRINCIPAL
RESIDENCE OF THE BORROWER(S) FOR A REASON OTHER THAN DEATH AND THE
PROPERTY IS NOT THE PRINCIPAL RESIDENCE OF AT LEAST ONE OTHER BORROWER
AND, AS A RESULT, ALL SUMS DUE UNDER THE NOTE HAVE BECOME DUE AND PAYABLE.
This default can be resolved if at least one borrower takes possession of the property as his
or her principal residence. In order to cure the default in this manner you must contact
Quality, the current trustee, whose contact information is set forth herein. WHEREAS, by
virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by
the Mortgage to be immediately due and payable and sufficient payment has not been made as of
the date of this notice; and WHEREAS, the total amount due as of is $330,499.98. NOW
THEREFORE, pursuant to the powers vested in Quality Loan Service Corp. 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 Quality Loan Service Corp as Foreclosure Commissioner as
indicated on the attached Foreclosure Commissioner Designation, notice is hereby given that on
11/16/2022 at 1:00 pm local time, all real and personal property at or used in connection with the
following described premises will be sold at public auction to the highest bidder: Commonly known
as: 1447 SALLY LANE, GARDNERVILLE, NV 89460 Located in: City of GARDNERVILLE ,
County of DOUGLAS, NV. More particularly described as: LOT 868, AS SHOWN ON THE MAP OF
GARDNERVILLE RANCHOS UNIT NO. 7, FILED FOR RECORD IN THE OFFICE OF THE
COUNTY RECORDER OF DOUGLAS COUNTY, NEVADA, ON MARCH 27, 1974, IN BOOK 374,
PAGE 676, AS FILE NO. 72456.. The sale will be held At the Douglas County Courthouse
located at 1038 Buckeye Road, FKA 1625 8th Street Minden, Nevada 89423 The Secretary of
Housing and Urban Development will bid $333,805.98 There will be no proration of taxes, rents or
other income or liabilities, except that the purchaser will pay, at or before closing, his pro rata 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
approximately $33,380.59 in the form of certified check or cashier’s check made out to the
Secretary of HUD. A deposit need not accompany an oral bid. If the successful bid is oral, a deposit
of $33,380.59 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 highest 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 date of the
remainder of the payment and 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 the winning bidder 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 paid 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 representative, will be liable to HUD for
any costs incurred as a result of such failure. The Commissioner may, at the discretion of the HUD
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 trustor(s) or others subsequent to a foreclosure completed pursuant to
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 scheduled foreclosure sale shall be
cancelled or adjourned if it is established, by documented written application of the mortgagor to
the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the
default or defaults upon which the foreclosure is based did not exist at the time of service of this
notice of default and foreclosure sale, or all amounts due under the mortgage agreement are
tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to
the Secretary of HUD, before public auction of the property is completed. To obtain a pre-sale
reinstatement all defaults must be cured prior to the scheduled sale, 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. To obtain information regarding reinstating the loan by paying the
sums that are delinquent you should contact the Foreclosure Commissioner, Quality Loan Service
Corp., at the address or phone number listed below. 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. QUALITY MAY BE CONSIDERED A DEBT
COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE. Dated: Foreclosure Commissioner Nicole Jordan, Assistant
Vice President on behalf of Quality Loan Service Corporation 2763 Camino Del Rio South, San
Diego, CA 92108 (866) 645-7711 Quality Loan Service Corporation 2763 Camino Del Rio South
San Diego, CA 92108 (866) 645-7711 For Sale Information: Sales Line: 702-382-2747 Website:
http://nevadalegalnews.com/trustee-sales/ TS No.: NV-22-940803-NJ A notary public or other
officer completing this certificate verifies only the identity of the individual who signed the document
to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.
State of: California) County of: San Diego) On 10/6/2022 before me, Fabiola Isabel Lopez
Sanchez a notary public, personally appeared Nicole Jordan, who proved to me on the basis of
satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument
and acknowledged to me that he/she/they executed the same in his/her/their authorized
capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity
upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF
PERJURY under the laws of the State of California that the foregoing paragraph is true and
correct. WITNESS my hand and official seal. Signature Fabiola Isabel Lopez Sanchez Commission
No. 2386079 NOTARY PUBLIC - California San Diego County My Comm. Expires 12/10/2025
IDSPub #0181621 10/26/2022 11/2/2022 11/9/2022
Pub Date: October 26, November 2, 9, 2022 Ad # 28516
