T.S.#: 2026-26315-TX RTS 2026-003683 APPOINTMENT OF SUBSTITUTE TRUSTEE and NOTICE OF TRUSTEE' S SALE 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. Theundersigned, inaccordance withTexas Property Code§ 51.0076, asattorney-in-fact fortheMortgagee orMortgage Servicer, hereby removes the original trustee and any and all successor substitute trustees, and appoints in their stead: Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Agency Sales and Posting LLC, Abstracts/Trustees ofTexas, LLC, Resolve Trustee Services, LLC, or any one ofthem, c/o Nestor Solutions, LLC, 214 5th Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, to hereafter exercise all powers and duties conferred upon the original trustee under the Deed ofTrust, and further authorizes and directs the Substitute Trustee to conduct andexecutetheremedies providedto thebeneficiary therein. 1. Date, Time, and Place ofSale. Date: 11/ 3/2026 Time: The earliest time the sale will begin is 10:00 AM, orwithin three( 3) hours after that time. Place: Collin County Courthouse, Texas, at the following location: The front steps ofthe Collin County Courthouse located at 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 Commissioners Court. 2. Property To Be Sold. LOT 48, BLOCK" L", WAVERLY ESTATES PHASE 4, AN ADDITION TO COLLIN COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN BOOK 2023, PAGES 556-557 OF THE PLAT RECORDS OF COLLIN COUNTY, TEXAS. Commonly known as: 1300 SIDEBOARD DRJOSEPHINE, TX 75173 3. Instrument to be Foreclosed. The instrument to be foreclosed is the Deed ofTrust dated 3/29/2024 and recorded in the office ofthe County Clerk ofCollin County, Texas, recorded on 4/4/2024 under County Clerk' s File No 2024000039716, in Book-- and Page— inthe Real Property Records ofCollin County, Texas. Grantor( s): MADISON LEGARDA, AN UNMARRIED WOMAN Original Trustee: Angela R Hernandez Original Mortgagee: MortgageElectronicRegistration Systems, Inc.,asBeneficiary, asnomineeforDIII Mortgage Company, Ltd., itssuccessors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation pg, r r" n Ef cD ... CDT.S.#: 2026-26315-TX 4. Terms ofSale. Thesalewillbeconducted asapublic auctiontothehighestbidder forcash, subjecttotheprovisions ofthe Deed ofTrust permitting the Mortgagee thereunder to have the bid credited to the note up to the amount ofthe unpaid debt secured by the Deed ofTrust at the time ofsale. Pursuant to §51. 009 ofthe Texas Property Code, the property will be sold in AS IS, WHERE IS" condition, without any express or implied warranties, except asto the warranties oftitle( ifany) provided for under the Deed ofTrust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (" purchaser") at this trustee' s sale may berequired toprovide information, documentation and/orcertification asmandated by applicable federal law, and entity and trust purchasers should be prepared toprovide beneficial ownership information as may be required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after 3/ 1/ 2026. If applicable, the required information must be provided to the trustee before atrustee' s deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https:// www.fincen.gov/rre-fags#D_5 or https:// www.federalregister. gov/documents/ 2024/08/29/2024- 19198/anti-money- laundering-regulations-for-residential-real-estate-transfers. 6. Obligations Secured. The Deed ofTrust provides that itsecures the payment ofthe indebtedness and obligations described therein( collectively, the" Obligations"), including, but not limited to:( 1) the promissory note in the original principal amount of$213,675.00, executed by MADISON LEGARDA, AN UNMARRIED WOMAN, and payable to the order of Mortgage Electronic Registration Systems, Inc.,as Beneficiary, asnominee forDHI MortgageCompany, Ltd., itssuccessors andassigns; 2) all renewals and extensions ofthe note; and( 3) any and all present and future indebtedness ofthe Trustor(s) to the current holderoftheObligations,securedby theDeed ofTrust. Defaulthasoccurred inthepayment ofthe indebtedness, andthesame is now wholly due and payable. The owner and holder ofthe Obligations has requested that the Substitute Trustee sell the Property to satisfy the indebtedness. 7. Mortgage Servicer Information. The Mortgage Servicer isauthorized torepresent the Mortgagee by virtue ofaservicing agreement with the Mortgagee. Pursuant tothe Servicing Agreement and Texas Property Code§ 51.0025, the Mortgage Servicer is authorized to collect the debt and administer any resulting foreclosure ofthe lien securing the Property referenced above. Freedom Mortgage Corporation as Mortgage Servicer,represents the currentmortgagee,whose address is: c/o Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939 Phone:( 855) 690-5900 Assertand protectyour rights as a memberofthearmed forces oftheUnitedStates. Ifyouareoryourspouse isserving on active military duty, including active military duty asa member ofthe Texas National Guard or the National Guard ofanother state or as a member ofa reserve component ofthe armed forces ofthe United States, please send written notice ofthe active-duty military service to the sender ofthis notice immediately. NESTOR SOLUTIONS, LLC, as attorney- in-fact for FREEDOM MORTGAGE CORPORATION O By: Dated: 8/13/2026 Christopher K. Baxter Senior Vice President Texas BarNo. 90001747 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone:( 888) 403- 4115 Fax:( 888) 345- 5501 For sale information visit:https://www.xome. com orContact( 800) 758- 8052