PUBLIC NOTICE Prepared By and Return To:
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3/4/2026
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PUBLIC NOTICE
Prepared By and Return To: Andrew R. Wilson
MS Bar #102862
Underwood Law Firm PLLC
P.O. Box 1874
Madison, MS 39130
(601) 981-7773
File No. 26010010
Mortgagor:
Neil J. Songy Judith Songy
68 Preacher Hill Rd
Picayune, MS 39466
Phone: (601) 799-3365
Mortgagee:
United States Secretary of Housing and Urban Development
Region IV-Office of Counsel
Five Points Plaza
40 Marietta Street
Atlanta, GA 30303 (404) 331-5001
Indexing Instructions:
SE Corner of SW 1/4 of SE 1/4 of Section 25, Township 5 South, Range 16 W, Pearl River County, Mississippi
NOTICE OF DEFAULT AND FORECLOSURE SALE
WHEREAS, on February 22, 2013, a certain Deed of Trust was executed by Neil J. Songy and wife, Judith Songy, as mortgagor or borrower, in favor of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Generation Mortgage Company, as mortgagee or lender, and Premier Reverse Closing, as trustee, and was recorded in Book 1612 at Page 270 as Instrument No. 201302585 in the office of the Chancery Clerk of Pearl River County, Mississippi; 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 beneficial interest in the Deed of Trust is now owned by the Secretary, pursuant to an Assignment of Deed of Trust dated June 12, 2024, and recorded in Book 2024 at Page 5692 as Instrument Number 2024005692 in the office of the aforesaid Chancery Clerk; and
WHEREAS, a payment default has been made in the covenants and conditions of the Deed of Trust, and no payment has been made sufficient to restore the loan to currency; and
WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust to be immediately due and payable and instructed the undersigned Foreclosure Commissioner to foreclose on the collateral securing the indebtedness.
NOW, THEREFORE, pursuant to powers vested in Underwood Law Firm PLLC 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 Underwood Law Firm PLLC as Foreclosure Commissioner by instrument in Book 2025 at Page 1876 as Instrument No. 2025001876, notice is hereby given that on April 1, 2026, between the hours of 11:00 a.m. and 4:00 p.m. prevailing Central Time all real and personal property at or used in connection with the following described premises (the “Property”) will be sold at public auction to the highest bidder for cash at the east door of the Pearl River County Courthouse in Poplarville, Mississippi:
The land described herein is situated in the State of Mississippi, County of Pearl River, and is described as follows:
Commencing at the Southeast corner of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence North 00 degrees 59 minutes 36 seconds West along a fence 956.84 feet to an existing iron pin for the point of beginning; thence South 89 degrees 00 minutes 24 seconds West 316.43 feet to an existing iron pin in a fence; thence North 12 degrees West along a fence 961.43 feet to an existing iron pin at a fence corner; thence North 87 degrees 28 minutes 15 seconds East along a fence 713.01 feet to an existing iron pin at a fence corner; thence South 00 degrees 03 minutes 18 seconds East along a fence 756.21 feet to an existing iron pin; thence South 00 degrees 59 minutes 36 seconds East along a fence 209.68 feet, more or less, to the point of beginning, this parcel containing 13.46 acres and being a part of the West half of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
ALSO: The following twenty-five foot right-of-way Easements:
A twenty-five foot strip running East and West along that portion of the Northern boundary of the Northeast Quarter of the Northeast Quarter of Section 36, Township 5 South, Range 16 West, which lies West of the blacktop public road as now laid out and maintained; being that particular easement granted John P. Hill, et ux, by Frank West, et als, dated August 23, 1978, as recorded in Deed Book 315, at Page 506.
ALSO: Beginning at the Southeast Corner of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence North 00 degrees 59 minutes 36 seconds West 965.84 feet, more or less, to the Southeast Corner of the Charles L. Hill, et ux, property; thence South 89 degrees 00 minutes 24 seconds West 25.0 feet along said property line; thence South 00 degrees 59 minutes 36 seconds East 965.84 feet, more or less, to the South line of the said Quarter; thence South 89 degrees 58 minutes 51 seconds East 25.0 feet to the point of beginning, being a part of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
ALSO: Beginning at the Southwest Corner of the Southeast Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence run North 25.0 feet, more or less, to the North margin of a gravel road; thence Southeasterly along the curve constituting the North margin of said gravel road to a point 5.0 feet East of said Southwest Corner of the Southeast Quarter of the Southeast Quarter; thence West 25.0 feet to the point of beginning, being a part of the Southeast Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
Excepting therefrom all oil, gas, minerals, and other hydrocarbon substances lying below the surface of said land, but with no right of surface entry.
Subject to any and all rights-of-way and/or easements for public roads and/or public utilities located on, over, and across the above described land as shown by the land deed records on file in the Office of the Chancery Clerk of Pearl River County, Mississippi.
Commonly known as: 68 Preacher Hill Rd., Picayune, MS 39466
The Secretary presently intends to bid $284,433.33 and reserves the right to adjust its bid as necessary.
All funds must be submitted in the form of cash or a certificated check or cashier’s check made payable to Underwood Law Firm PLLC. If the Secretary is the highest bidder, the Secretary need not pay the bid amount in cash. The successful bidder will pay any and all conveyance fees and other costs associated with the transfer of title as well was all real estate and other taxes that are due on the Property.
There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor 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 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.
Pursuant to federal law administered by the Financial Crimes Enforcement Network (FinCEN), additional identifying information is required from any purchaser acquiring the property in the name of a legal entity, including but not limited to a limited liability company, corporation, partnership, or trust. Any such purchaser must complete the required federal reporting form at the time of sale. The Foreclosure Commissioner reserves the right to decline to recognize any bid made in the name of a legal entity if the required information is not provided at the sale.
Dated: February 24, 2025
File No. 26010010
UNDERWOOD LAW FIRM PLLC, Foreclosure Commissioner
By: /s/Andrew R. Wilson Miss. Bar 02862) UNDERWOOD LAW FIRM PLLC
P.O. Box 1874
Madison, MS 39130
Phone: (601) 981-7773
PUBLISH: The Picayune Item (03/04/26, 03/11/26, 03/18/26, 03/25/26)
STATE OF MISSISSIPPI
COUNTY OF MADISON
Personally came and appeared before me, the undersigned authority in and for the County and State aforesaid, Andrew R. Wilson, a managing attorney for Underwood Law Firm PLLC, as Foreclosure Commissioner, who acknowledged to and before me that he signed and delivered the foregoing Notice of Default and Foreclosure Sale on the day and year therein mentioned and for the purposes therein expressed.
GIVEN UNDER MY HAND AND OFFICIAL SEAL OF OFFICE, this the 24 February, 2026.
/s/Karen Pleiss
Notary Public
My Commission Expires: 05/17/2026
(Affix Seal)
Document Type: Notice of Default and Foreclosure Sale
Property Address: 68 Preacher Hill Rd., Picayune, MS 39466.
Picayune Item:
Mar. 4, 11, 18 and 25, 2026
FC/SONGY
Prepared By and Return To: Andrew R. Wilson
MS Bar #102862
Underwood Law Firm PLLC
P.O. Box 1874
Madison, MS 39130
(601) 981-7773
File No. 26010010
Mortgagor:
Neil J. Songy Judith Songy
68 Preacher Hill Rd
Picayune, MS 39466
Phone: (601) 799-3365
Mortgagee:
United States Secretary of Housing and Urban Development
Region IV-Office of Counsel
Five Points Plaza
40 Marietta Street
Atlanta, GA 30303 (404) 331-5001
Indexing Instructions:
SE Corner of SW 1/4 of SE 1/4 of Section 25, Township 5 South, Range 16 W, Pearl River County, Mississippi
NOTICE OF DEFAULT AND FORECLOSURE SALE
WHEREAS, on February 22, 2013, a certain Deed of Trust was executed by Neil J. Songy and wife, Judith Songy, as mortgagor or borrower, in favor of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Generation Mortgage Company, as mortgagee or lender, and Premier Reverse Closing, as trustee, and was recorded in Book 1612 at Page 270 as Instrument No. 201302585 in the office of the Chancery Clerk of Pearl River County, Mississippi; 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 beneficial interest in the Deed of Trust is now owned by the Secretary, pursuant to an Assignment of Deed of Trust dated June 12, 2024, and recorded in Book 2024 at Page 5692 as Instrument Number 2024005692 in the office of the aforesaid Chancery Clerk; and
WHEREAS, a payment default has been made in the covenants and conditions of the Deed of Trust, and no payment has been made sufficient to restore the loan to currency; and
WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust to be immediately due and payable and instructed the undersigned Foreclosure Commissioner to foreclose on the collateral securing the indebtedness.
NOW, THEREFORE, pursuant to powers vested in Underwood Law Firm PLLC 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 Underwood Law Firm PLLC as Foreclosure Commissioner by instrument in Book 2025 at Page 1876 as Instrument No. 2025001876, notice is hereby given that on April 1, 2026, between the hours of 11:00 a.m. and 4:00 p.m. prevailing Central Time all real and personal property at or used in connection with the following described premises (the “Property”) will be sold at public auction to the highest bidder for cash at the east door of the Pearl River County Courthouse in Poplarville, Mississippi:
The land described herein is situated in the State of Mississippi, County of Pearl River, and is described as follows:
Commencing at the Southeast corner of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence North 00 degrees 59 minutes 36 seconds West along a fence 956.84 feet to an existing iron pin for the point of beginning; thence South 89 degrees 00 minutes 24 seconds West 316.43 feet to an existing iron pin in a fence; thence North 12 degrees West along a fence 961.43 feet to an existing iron pin at a fence corner; thence North 87 degrees 28 minutes 15 seconds East along a fence 713.01 feet to an existing iron pin at a fence corner; thence South 00 degrees 03 minutes 18 seconds East along a fence 756.21 feet to an existing iron pin; thence South 00 degrees 59 minutes 36 seconds East along a fence 209.68 feet, more or less, to the point of beginning, this parcel containing 13.46 acres and being a part of the West half of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
ALSO: The following twenty-five foot right-of-way Easements:
A twenty-five foot strip running East and West along that portion of the Northern boundary of the Northeast Quarter of the Northeast Quarter of Section 36, Township 5 South, Range 16 West, which lies West of the blacktop public road as now laid out and maintained; being that particular easement granted John P. Hill, et ux, by Frank West, et als, dated August 23, 1978, as recorded in Deed Book 315, at Page 506.
ALSO: Beginning at the Southeast Corner of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence North 00 degrees 59 minutes 36 seconds West 965.84 feet, more or less, to the Southeast Corner of the Charles L. Hill, et ux, property; thence South 89 degrees 00 minutes 24 seconds West 25.0 feet along said property line; thence South 00 degrees 59 minutes 36 seconds East 965.84 feet, more or less, to the South line of the said Quarter; thence South 89 degrees 58 minutes 51 seconds East 25.0 feet to the point of beginning, being a part of the Southwest Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
ALSO: Beginning at the Southwest Corner of the Southeast Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi; thence run North 25.0 feet, more or less, to the North margin of a gravel road; thence Southeasterly along the curve constituting the North margin of said gravel road to a point 5.0 feet East of said Southwest Corner of the Southeast Quarter of the Southeast Quarter; thence West 25.0 feet to the point of beginning, being a part of the Southeast Quarter of the Southeast Quarter of Section 25, Township 5 South, Range 16 West, Pearl River County, Mississippi.
Excepting therefrom all oil, gas, minerals, and other hydrocarbon substances lying below the surface of said land, but with no right of surface entry.
Subject to any and all rights-of-way and/or easements for public roads and/or public utilities located on, over, and across the above described land as shown by the land deed records on file in the Office of the Chancery Clerk of Pearl River County, Mississippi.
Commonly known as: 68 Preacher Hill Rd., Picayune, MS 39466
The Secretary presently intends to bid $284,433.33 and reserves the right to adjust its bid as necessary.
All funds must be submitted in the form of cash or a certificated check or cashier’s check made payable to Underwood Law Firm PLLC. If the Secretary is the highest bidder, the Secretary need not pay the bid amount in cash. The successful bidder will pay any and all conveyance fees and other costs associated with the transfer of title as well was all real estate and other taxes that are due on the Property.
There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor 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 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.
Pursuant to federal law administered by the Financial Crimes Enforcement Network (FinCEN), additional identifying information is required from any purchaser acquiring the property in the name of a legal entity, including but not limited to a limited liability company, corporation, partnership, or trust. Any such purchaser must complete the required federal reporting form at the time of sale. The Foreclosure Commissioner reserves the right to decline to recognize any bid made in the name of a legal entity if the required information is not provided at the sale.
Dated: February 24, 2025
File No. 26010010
UNDERWOOD LAW FIRM PLLC, Foreclosure Commissioner
By: /s/Andrew R. Wilson Miss. Bar 02862) UNDERWOOD LAW FIRM PLLC
P.O. Box 1874
Madison, MS 39130
Phone: (601) 981-7773
PUBLISH: The Picayune Item (03/04/26, 03/11/26, 03/18/26, 03/25/26)
STATE OF MISSISSIPPI
COUNTY OF MADISON
Personally came and appeared before me, the undersigned authority in and for the County and State aforesaid, Andrew R. Wilson, a managing attorney for Underwood Law Firm PLLC, as Foreclosure Commissioner, who acknowledged to and before me that he signed and delivered the foregoing Notice of Default and Foreclosure Sale on the day and year therein mentioned and for the purposes therein expressed.
GIVEN UNDER MY HAND AND OFFICIAL SEAL OF OFFICE, this the 24 February, 2026.
/s/Karen Pleiss
Notary Public
My Commission Expires: 05/17/2026
(Affix Seal)
Document Type: Notice of Default and Foreclosure Sale
Property Address: 68 Preacher Hill Rd., Picayune, MS 39466.
Picayune Item:
Mar. 4, 11, 18 and 25, 2026
FC/SONGY