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MORTGAGEE’S NOTICE OF DEFAULT AND INTENTION TO SELL
YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION.
IF YOUR PROPERTY IS SOLD YOU WILL REMAIN LIABLE FOR ANY DEFICIENCY AND AN ACTION TO COLLECT IT MAY BE BROUGHT AGAINST YOU.
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION GIVEN MAY BE USED FOR THAT PURPOSE.
NOTICE IS HEREBY GIVEN that on June 10, 2026, at or about 10:30 AM, the following real property will be sold at the front door of the White County Courthouse, 300 North Spruce, Searcy, AR 72143 to the highest bidder for cash:
Lot Sixty-seven (67) of Northfield Subdivision Phase II to the City of Searcy, Arkansas, as filed September 6, 1995, in Plat Cabinet A at Sleeve 106 of the plat records of White County, Arkansas.
More Commonly Known As: 118 March Cove, Searcy, AR 72143
On August 29, 2007, Jarrod R. Gardner, A Married Person, and Sara Gardner, executed a Mortgage in favor of First Home Mortgage, Inc., which was recorded on August 30, 2007, as Book MTG 2007, Page 29891 in the real estate records of White County, Arkansas, now held by Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust 2015-1. The party initiating this foreclosure action can be contacted at: Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust
2015-1, Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust 2015-1, 321 Research Parkway, Suite 303, Meriden, CT 06450, (866) 882-8187.
Default by the current owner(s) of the property has occurred in the payment of the note, indebtedness and trust property secured by said Mortgage, and the same is now wholly due and owing to the holder of said debt. Mortgagee intends to sell the above trust property to satisfy the obligation. The default for which the foreclosure is made occurred on April 1, 2025.
Tenants may exist that claim an interest in the real property described herein.
The undersigned is the Attorney-in-Fact for the Mortgagee and is acting on 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.
This sale is subject to any requirements and conditions set forth in any applicable recorded or unrecorded plat or bill(s) of assurance affecting the above real property; any restrictive covenants, easements, set back lines or encroachments; any unpaid and/or delinquent taxes or special assessments; any statutory redemption rights of any governmental entity; any prior liens or encumbrances as well as any priority created by a UCC or fixture filing; and, to any matter that an accurate survey of the property might disclose. This property is being sold “as is” with no representation as to the condition of any structure(s) thereon or the accuracy of the above legal description. The purchaser at the sale shall be solely responsible for payment of all transfer taxes, deed revenue stamps and deed recording fees. In the event of any discrepancy between the above legal description and above street address, the legal description is controlling as to the property being foreclosed and sold. Pursuant to 31 CFR § 1031.320, non-financed, or self-financed
bidders must provide a form OMB No. 1506-0080 with parts III and V completed, in order to bid. This form is available at: https://www.fincen.gov/system/files/2025-09/RER-Form-508C.pdf and must be provided by the winning bidder at the time of sale. Failure to provide the information as requested will result in the bid being disqualified.
WITNESS my hand this 24th day of March, 2026.
THE SAYER LAW GROUP, P.C.
Agent for Mortgagee
By: Brian G. Sayer
Brian G. Sayer, 2010012
925 E. 4th St.
Waterloo, IA 50703
Mail Correspondence to:
925 E. 4th St.
Waterloo, IA 50703
(319) 234-2530
596495f
YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION.
IF YOUR PROPERTY IS SOLD YOU WILL REMAIN LIABLE FOR ANY DEFICIENCY AND AN ACTION TO COLLECT IT MAY BE BROUGHT AGAINST YOU.
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION GIVEN MAY BE USED FOR THAT PURPOSE.
NOTICE IS HEREBY GIVEN that on June 10, 2026, at or about 10:30 AM, the following real property will be sold at the front door of the White County Courthouse, 300 North Spruce, Searcy, AR 72143 to the highest bidder for cash:
Lot Sixty-seven (67) of Northfield Subdivision Phase II to the City of Searcy, Arkansas, as filed September 6, 1995, in Plat Cabinet A at Sleeve 106 of the plat records of White County, Arkansas.
More Commonly Known As: 118 March Cove, Searcy, AR 72143
On August 29, 2007, Jarrod R. Gardner, A Married Person, and Sara Gardner, executed a Mortgage in favor of First Home Mortgage, Inc., which was recorded on August 30, 2007, as Book MTG 2007, Page 29891 in the real estate records of White County, Arkansas, now held by Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust 2015-1. The party initiating this foreclosure action can be contacted at: Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust
2015-1, Wilmington Trust, National Association, not in its individual capacity, but solely as trustee of MFRA Trust 2015-1, 321 Research Parkway, Suite 303, Meriden, CT 06450, (866) 882-8187.
Default by the current owner(s) of the property has occurred in the payment of the note, indebtedness and trust property secured by said Mortgage, and the same is now wholly due and owing to the holder of said debt. Mortgagee intends to sell the above trust property to satisfy the obligation. The default for which the foreclosure is made occurred on April 1, 2025.
Tenants may exist that claim an interest in the real property described herein.
The undersigned is the Attorney-in-Fact for the Mortgagee and is acting on 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.
This sale is subject to any requirements and conditions set forth in any applicable recorded or unrecorded plat or bill(s) of assurance affecting the above real property; any restrictive covenants, easements, set back lines or encroachments; any unpaid and/or delinquent taxes or special assessments; any statutory redemption rights of any governmental entity; any prior liens or encumbrances as well as any priority created by a UCC or fixture filing; and, to any matter that an accurate survey of the property might disclose. This property is being sold “as is” with no representation as to the condition of any structure(s) thereon or the accuracy of the above legal description. The purchaser at the sale shall be solely responsible for payment of all transfer taxes, deed revenue stamps and deed recording fees. In the event of any discrepancy between the above legal description and above street address, the legal description is controlling as to the property being foreclosed and sold. Pursuant to 31 CFR § 1031.320, non-financed, or self-financed
bidders must provide a form OMB No. 1506-0080 with parts III and V completed, in order to bid. This form is available at: https://www.fincen.gov/system/files/2025-09/RER-Form-508C.pdf and must be provided by the winning bidder at the time of sale. Failure to provide the information as requested will result in the bid being disqualified.
WITNESS my hand this 24th day of March, 2026.
THE SAYER LAW GROUP, P.C.
Agent for Mortgagee
By: Brian G. Sayer
Brian G. Sayer, 2010012
925 E. 4th St.
Waterloo, IA 50703
Mail Correspondence to:
925 E. 4th St.
Waterloo, IA 50703
(319) 234-2530
596495f
Refcode: #596495
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