C&MNo. 44-26-03706/ FILE NOS NOTICE OF TRUSTEE' S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEE Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving on active military duty, including active military duty as a member of the Texas National Guard or the National Guard of another state or as a member ofa reserve component ofthe armed forces ofthe United States, please send written notice of the active duty military service to the sender of this notice immediately. Sender is: Codilis & Moody, P.C., 20405 State Highway 249, Suite 170, Houston, TX 77070 INSTRUMENT BEING FORECLOSED AND MORTGAGE SERVICER INFORMATION Deed ofTrust dated January 13, 2025 and recorded under Clerk's File No. 2025000003843, in the real property records of COLLIN County Texas, with Afee Nadeem Ahmed and Asema Azeem Ahmed, husband and wife as Grantor(s) and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Lower, LLC DBA AMSW Lending, its successors and assigns as Original Mortgagee. DeedofTrustexecuted byAfeeNadeem Ahmed andAsema AzeemAhmed,husband andwife securingpayment of the indebtedness in the original principal amount of$582,213.00 and obligation therein described including but not limited to the promissory note and all modifications, renewal and extensions of the promissory note ( the " Note") executed byAfee Nadeem Ahmed and Asema Azzem Ahmed. Newrez LLCd/b/a/ Shellpoint Mortgage Servicing is thecurrent mortgagee( the" Mortgagee") ofthe Note and Deed ofTrust or Contract Lien. The Mortgage Servicer is authorized to represent the Mortgagee by virtue of a servicing agreement with the Mortgagee. Pursuant to the Servicing Agreement and Texas Property Code 51.0025, the Mortgage Servicer is authorized to collect the debt and to administer any resulting foreclosure of the property securing the above referenced loan. Shellpoint Mortgage Servicing is acting as the Mortgage Servicer for the Mortgagee. Shellpoint Mortgage Servicing, is representing the Mortgagee, whose address is: 75 Beattie Place, Suite 300, Greenville, SC 29601. Legal Description: LOT 18, BLOCK I,LEGACY RANCH PHASE 3, AN ADDITION TO THE CITY OF MELISSA, COLLIN COUNTY, TEXAS,ACCORDING TO MAP OR PLAT THEREOF RECORDED INVOLUME 2023, PAGE 321, MAP AND/OR PLAT RECORDS, COLLIN COUNTY, TEXAS. SALE INFORMATION Date of Sale: 10/06/2026 EarliestTime Sale Will Begin: 10:00AM Location of Sale: The place of the sale shall be: COLLIN County Courthouse, Texas at the following location: 2100 Bloomdale Road, McKinney, Texas 75071, or ifthe preceding area is no longer the designated area, at the area most recently designated by the County Commissioner's Court TERMS OF SALE A default has occurred in the payment ofsaid herein referenced indebtedness, and the same is now wholly due, and the Mortgagee and/or Mortgage Servicer has requested the hereinafter appointed Substitute Trustee to sell said property to the highest bidder for cash and to distribute or apply the proceeds of said sale in accordance with the terms ofsaid Deed ofTrust. The Sale will be conducted as apublic auction to thehighest bidder forcash, except thatMortgagee's bid may be by credit against the indebtedness secured by the lien of the Deed of Trust. Pursuant to the Deed of Trust, the mortgagee has the right to direct the Trustee to sell the property in one or more parcels and/or to sell all or only part ofthe property. Pursuant to Section 51.009 ofthe Texas Property Code, the Property will be sold in " AS IS," WHERE IS" condition, without any express or implied warranties, except as to the warranties of title, if any, provided for under the Deed ofTrust. 11111111111111111111111111111111111 11111111 44-26-03706 COLLIN 4885826Y The sale will begin at the earliest time stated above, or within three( 3) hours after that time. Ifthe sale is set aside forany reason, the Purchaser atthe sale shall be entitled only to a return ofthe funds paid. The Purchaser shall have no furtherrecourse againsttheMortgagor,theMortgagee ortheMortgagee's attorney. STRICT COMPLIANCE WITH FINCEN RULES AND REGULATIONS IS REQUIRED FOR PURCHASE OF THE PROPERTY AT THIS SALE. A FORECLOSURE DEED WILL NOT ISSUE WITHOUT SUCCESSFUL BIDDER PROVIDING ALL INFORMATION NECESSARY FOR STRICT COMPLIANCE WITH FINCEN. THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE( S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THEMORTGAGEE ORMORTGAGE SERVICER. WHEREAS, in my capacity as attorney for the Mortgagee and/or Its Mortgage Servicer, and pursuant to Section 51.0076 of the Texas Property Code, I HEREBY APPOINT AND DESIGNATE Carol Dunmon, Mary Mancuso, Michele Hreha, Shelley Ortolani, Francesca Ortolani, Guy Wiggs, David Stockman, Brenda Wiggs, Donna Stockman, Janet Pinder, Brandy Bacon, Michelle Schwartz, Jamie Dworsky, Angela Brown, Payton Hreha, Jeff Benton, Leslie Shuler, BonnyMounger, Robin Shelton, Auction.com, LLC, or Codilis& Moody, P.C., as Substitute Trustee. Theaddress forthe SubstituteTrusteeforpurposes ofSection 51.0075(e) ofthe TexasProperty Code is: Codilis& Moody,P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 281) 925-5200 Executed on 08/31/ 2026. s/ Isaac Lewis SBOT No. 24144831 Attorney at Law t Codilis& Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 281) 925- 5200 Posted and filed by: Printed Name: C& M No. 44-26-03706 f 177.- rn "'