ns Doc# 20260700408 06/16/2026 10:36 AM Page 1 of 5 Lucy Adame-Clark, Bexar County Clerk cheprebe bes NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROM ANY INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS FILED FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER'S LICENSE NUMBER. NOTICE OF SUBSTITUTE TRUSTEE’S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEES A eA ee 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 OF SUBSTITUTE TRUSTEE’S SALE DATE: June 15, 2026 NOTE: Note described as follows: Date: April 4, 2024 Maker: FRESH START RESIDENTIAL, INC. Payee: MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQMI, successor to original lender Original Principal Amount: $140,000.00 DEED OF TRUST: Deed of Trust described as follows: Date: April 4, 2024 Grantor: FRESH START RESIDENTIAL, INC. Trustee: Allan B. Polunsky Beneficiary: MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQMI, successor to original beneficiary Recorded: INSTRUMENT NO. 20240060847 WHICH WAS RECORDED IN THE REAL PROPERTY RECORDS OF BEXAR COUNTY, TEXAS. LENDER: MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025 NQMI1 BORROWER: FRESH START RESIDENTIAL, INC. PROPERTY: The property described as follows: THE PROPERTY LOCATED IN BEXAR COUNTY, TEXAS, INCLUDING Page 1 of 5 26-0068 Doc# 20260700408 06/16/2026 10:36 AM Page 2 of 5 Lucy Adame-Clark, Bexar County Clerk PERSONAL PROPERTY, IF ANY, AS DESCRIBED IN THE DEED OF TRUST AND IN EXHIBIT A, ATTACHED HERETO AND INCORPORATED HEREIN FOR ALL PURPOSES, together with all buildings, structures, fixtures and improvements thereon and any and all appurtenances and rights thereto, SAVE AND EXCEPT ANY AND ALL LOTS OR PORTIONS THEREOF THAT HAVE BEEN RELEASED OF RECORD BY THE HOLDER OF THE DEED OF TRUST. SUBSTITUTE TRUSTEE: JASON WEST, NICOLE BAETHGE, MATTHEW D. oN NICOLE CORREA, DEAN W. GREER, PATRICK ARMSTRONG, DAVID IN Substitute Trustee’s Mailing Address: c/o SettlePou 3333 Lee Parkway, Eighth Floor Dallas, Texas 75219 DATE AND TIME OF SUBSTITUTE TRUSTEE'S SALE OF PROPERTY: AUGUST 4, 2026, the first Tuesday of the month, to commence at 12:00 P.M., or within three (3) hours after that time. PLACE OF SUBSTITUTE TRUSTEE'S SALE OF PROPERTY: IN BEXAR COUNTY, TEXAS, AT THE BEXAR COUNTY COURTHOUSE, 100 DOLOROSA, SAN ANTONIO TX 78205 OR AS DESIGNATED BY THE COUNTY COMMISSIONER'S OFFICE RECITALS Lender, the owner and holder of the Note and the Deed of Trust lien under Texas Property Code Section 51.002, has requested that Substitute Trustee sel] the Property according to the terms of the Deed of Trust and applicable law due to a default in the payment of the Note and/or in the performance of the obligations under the Deed of Trust that secures the Note. Formal notice is now given of Lender’s election to proceed against and sell the real property _ described in the Deed of Trust, consistent with the Lender’s rights and remedies under the Deed Of Trust and applicable law. Therefore, notice is given that on the Date and Time of Substitute Trustee’s Sale of Property and at the Place of Substitute Trustee’s Sale of Property, 1, as Substitute Trustee, or any other substitute trustee Lender may appoint, will sell the Property by public sale to the highest bidder for cash or acceptable certified funds, according to the Deed of Trust and applicable law. The sale and conveyance of the Property will be subject to all matters of record applicable to the Property that are superior to the Deed of Trust and to any permitted exceptions to title described in the Deed of Trust. Substitute Trustee has not made and will not make any covenants, representations, or warranties about the Property other than providing the successful bidder at Page 2 of 5 26-0068 Doc# 20260700408 06/16/2026 10:36 AM Page 3 of 5 Lucy Adame-Clark, Bexar County Clerk the sale with a deed to the Property containing any warranties of title required by the Deed of Trust. The Property will be sold AS IS, WHERE IS, AND WITH ALL FAULTS. ASSERT AND PROTECT YOUR RIGHTS AS A MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU OR YOUR SPOUSE IS SERVING ON ACTIVE MULITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL GUARD 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 PETITIONER OR PETITIONER'S ATTORNEY IMMEDIATELY. APPOINTMENT OF SUBSTITUTE TRUSTEE DEED OF TRUST: Deed of Trust described as follows: Date: April 4, 2024 Grantor: FRESH START RESIDENTIAL, INC. Trustee: Allan B. Polunsky Beneficiary: MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQMI, successor to original beneficiary Recorded: INSTRUMENT NO. 20240060847 WHICH WAS RECORDED IN THE REAL PROPERTY RECORDS OF BEXAR COUNTY, TEXAS. PROPERTY: The property described as follows: THE PROPERTY LOCATED IN BEXAR COUNTY, TEXAS, INCLUDING PERSONAL PROPERTY, IF ANY, AS DESCRIBED IN THE DEED OF TRUST AND IN EXHIBIT A, ATTACHED HERETO AND INCORPORATED HEREIN FOR ALL PURPOSES, together with all buildings, structures, fixtures and improvements thereon and any and all appurtenances and rights thereto, SAVE AND EXCEPT ANY AND ALL LOTS OR PORTIONS THEREOF THAT HAVE BEEN RELEASED OF RECORD BY THE HOLDER OF THE DEED OF TRUST. SUBSTITUTE TRUSTEE: JASON WEST, NICOLE BAETHGE, MATTHEW D. JOHNSON, NICOLE CORREA, DEAN W. GREER, PATRICK ARMSTRONG, DAVID GARVIN Substitute Trustee’s Mailing Address: c/o SettlePou 3333 Lee Parkway, 8th Floor Dallas, Texas 75219 Page 3 of 5 26-0068 Doc# 20260700408 06/16/2026 10:36 AM Page 4 of 5 Lucy Adame-Clark, Bexar County Clerk Each Substitute Trustee is appointed effective as of JUNE 15, 2026, pursuant to Texas Property Code § 51.0075 to succecd to all title, powers. and duties of the original or successor trustees under the Deed of Trust. titute Trustees: Appointment of S$ By: Name: William Jexnings. Attorfey for MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM1 and mortgage servicer. NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING THE STATE OF TEXAS § 8 COUNTY OF DALLAS § BEFORE ME, the undersigned authority, on this d ay appeared William Jennings, and after being by me duly sworn, stated that they executed the foregoing instrument for t he purposes and consideration therein expressed. GIVEN UNDER MY HAND AND SEAL OF OFFICE on June 15. 2026 NYJER REESE WU, 4, Pus % Notary Public, State of Texas = = ., Nos S38 s = Comm. Expires 01-21-2029 Notary ID 12261571 a hid,, Substitute Trustee Page 4 of 5 26-0068 Doc# 20260700408 06/16/2026 10:36 AM Page 5 of 5 Lucy Adame-Clark, Bexar County Clerk EXBIBIT A Lot 8, Block 42, New City Block 15155, Lackland City Subdivision, Unit 22, situated in the City of San Antonio, Bexar County, Texas, according to plat thereof recorded in Volume 4500, Page 104, Deed and Plat Records of Bexar County, Texas. FILE INFORMATION Document Number: 20260700408 Date/Time: 6/16/2026 10:36:31 AM Total Pages: 5 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00 Page 5 of 5 26-0068