MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Reba L. Lisman, a single person, originally in favor of Mortgage Electronic Registration Systems, Inc., as nominee for American Pioneer Financial Services, Inc., on the 23rd day of August, 2002, said mortgage recorded in the Office of the Judge of Probate of Calhoun County, Alabama, in MORT Book 4110, Page 730; the undersigned Ditech Financial LLC, as Mortgagee/Transferee, under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash, in front of the main entrance of the Courthouse at Anniston, Calhoun County, Alabama, on August 2, 2018, during the legal hours of sale, all of its right, title, and interest in and to the following described real estate, situated in Calhoun County, Alabama, to-wit: Lots 20 and 21, in Block 1, as shown on the map of Winslow Heights, recorded in the Probate Office of Calhoun County, Alabama in Plat Book D, Page 76; said lots fronting 50 feet each on the North side of Gadsden Highway and extending back of even width to the L & N Railroad right of way, being situated in the East Half of the Southwest Quarter of Section 24, Township 15, Range 7, in Calhoun County, Alabama, situated, lying and being in Calhoun County, Alabama. Property street address for informational purposes: 1531 Old Gadsden Highway , Anniston, AL 36206 THIS PROPERTY WILL BE SOLD ON AN "AS IS, WHERE IS" BASIS, WITHOUT WARRANTY OR RECOURSE, EXPRESSED OR IMPLIED AS TO TITLE, USE AND/OR ENJOYMENT AND WILL BE SOLD SUBJECT TO THE RIGHT OF REDEMPTION OF ALL PARTIES ENTITLED THERETO. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process. This sale is made for the purpose of paying the indebtedness secured by said mortgage, as well as the expenses of foreclosure. The successful bidder must tender a non-refundable deposit of Five Thousand Dollars ($5,000.00) in certified funds made payable to Sirote & Permutt, P.C. at the time and place of the sale. The balance of the purchase price must be paid in certified funds by noon the next business day at the Law Office of Sirote & Permutt, P.C. at the address indicated below. Sirote & Permutt, P.C. reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due. The Mortgagee/Transferee reserves the right to bid for and purchase the real estate and to credit its purchase price against the expenses of sale and the indebtedness secured by the real estate. This sale is subject to postponement or cancellation. Ditech Financial LLC, Mortgagee/Transferee Rebecca Redmond SIROTE & PERMUTT, P.C. P. O. Box 55727 Birmingham, AL 35255-5727 Attorney for Mortgagee/Transferee 434754 News Journal Calhoun Co., AL July 4, 11, 18, 2018