Doc-118774 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 *VG-705-2026-118774* Document No: 118774 Billable Pages: 2 Recorded On: September 17, 2026 12:18 PM Number of Pages: 3 NOTICE OF FORECLOSURE ***** Examined and Charged as Follows***** Total Recording: $ 22.00 *****THIS PAGE IS PART OF THE DOCUMENT***** Any provision herein which restricts the Sale, Rental, or use of the described REAL PROPERTY because of color or race is invalid and unenforceabie under federal law. File Information: Record and Return To: Document No: 118774 South Texas Title & Trustee Service Receipt No: 20260917000137 PO Box 530493 Recorded On: September 17, 2026 12:18 PM Original Returned to Customer Deputy Clerk: Emmanuel Garza HARLINGEN TX 78553 Station: CC-ED-KF1011 R tay, STATE OF TEXAS SO, COUNTY OF HIDALGO = f *, % | hereby certify that this Instrument was FILED in the File Number sequence on the date/time = e? H * = printed hereon, and was duly RECORDED in the Official Records of Hidalgo County, Texas. Zot fos 4% s, wes Arturo Guajardo Jr. 4) OF HipN Ow County Clerk len a “tun y Hidalgo County, Texas Doc-118774 NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: Grantor(s)/Mortgagor(s): 1/24/2022 ARNOLDO NOE RAMIREZ, AND WIFE, MARIA LEONOR RAMIREZ Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Planet Home Lending, LLC (“MERS”) SOLELY AS A NOMINEE FOR VILLAGE CAPITAL & INVESTMENT LLC, ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A HIDALGO Page: N/A Instrument No: 3305086 Mortgage Servicer: Planet Home Lending, LLC is representing the Current Beneficiary/Mortgagee under a servicing agreement with the Current Beneficiary/Mortgagee. Place of Sale of Property: Hidalgo County Administrative Building, 2802 S. Business Hwy 281, Edinburg, Texas. 78539 OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Mortgage Servicer’s Address: 321 Research Parkway, Meriden, CT 45342 Legal Description: LEGAL DESCRIPTION ATTACHED AS EXHIBIT A In accordance with TEX. PROP. CODE §51.0076 and the Deed of Trust referenced above, the undersigned as attorney for Mortgagee or Mortgage Servicer does hereby remove the original Trustee and all successor substitute trustees and appoints in their stead, Auction.com, LLC, Connie Cobb or Clyde Cobb or Constance Lewis or Montgomery Medley or Julie Martin, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy & Holthus, LLP, as Substitute Trustee, who shail hereafter exercise all powers and duties set aside to the said original Trustee under there said Deed of Trust; and, further, does hereby request, authorize, and instruct said Substitute Trustee to conduct and direct the execution of remedies set aside to the beneficiary therein The Substitute Trustee will sell the property by public auction to the highest bidder for cash at the place and date specified. The sale will begin at the earliest time stated above or within three (3) hours after that time. The Property will be sold “AS IS,” without any express or implied warranties, except as to warranties of title, and at the purchaser’s own risk, pursuant to the terms of TEX. PROP. CODE §51.002 and $51,009. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property. Substitute Trustee reserves the right to set further reasonable conditions for conducting the public auction. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by Substitute Trustee. 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 THE MORTGAGEE OR MORTGAGE SERVICER. NOTICE PURSUANT TO TEX. PROP. CODE § 51.002(I1); ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL OR THE NATIONAL GUARD OF ANOTHER STATE OR AS A MEMBER OF A RESERVE COMPONENT OF THE ARMED FORCES OF THE UNITED STATES, PLEASE SEND WRITTEN NOTICE OF THE ACTIVE DUTY MILITARY SERVICE TO THE SENDER OF THIS NOTICE IMMEDIATELY. PY Thuy Frazier, Attorney McCarthy & Holthus, LLP Dated. 09/17/2026 Connie Cobpy / ff ~~ [IV yy c/o Auction.com Dated: 9/16/2026 1255 West 15th Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for Planet Home Lending, LLC https://sales. mecarthyholthus.com/ MH File Number: TX-26-132964-POS Loan Type: FHA TX-26-132964-POS EXHIBIT “A“ ‘The land referred to herein below is situated in the County of Hidalgo, State of ‘Texas, and is described as follows: A tract of land out of Tract 352, Los Ejidos De Reynosa Vicja, Hidalgo County, Texas. according to map thereof recorded in Volume 7, Pages 5 through 8, Map Records of Hidalgo County, Texas, reference to which is here made for all purposes; said tract of land being more particularly described by metes and bounds as follows: Commencing at a nail found on the Southeast comer of said Tract 352 located within the right-of-way of F.M. 1427 for the Southeast comer and point of beginning of this herein described tract; Thence, North 77 degrees, 26 minutes West, coincident with the South hne of said Tract 352, a distance of 40.33 feet pass a 1/2 inch diameter iron pipe found on intersection with the West right-of-way line of said F.M. 1427, at a distance of 263.50 feet in all toa 1/2 inch diameter iron found at a wire fence line for the Southwest corer of this herein described tract; Thence, North 08 degrees, 18 minutes, 05 seconds East, with said wire fence line, a distance of 122.94 feet to 1/2 inch diameter iron rod set for the Northwest corner of this herein described tract; Thence, South 76 degrees, 26 minutes, 06 seconds East, a distance of 247.55 feet pass. a 12 inch diameter iron pipe found on intersection with the West right-of-way line of said f.M. 1427, ata distance of 287.80 feet in all to a point on intersection with the East line of said tract 352 for the Northeast comer of this herein described tract; Thence, South 19 degrees, 25 minutes West, coincident with the East line of said tract 352, a distance of 118.40 feet to the Point of Beginning. Parcel/Tax ID: £6050-00-000-0352-20 Commonly known as 1100 S Main Street, Penitas, TX 78576. However, by showing this address, no additional coverage is provided. Doc-118774