START OF PAGE: 45 NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: Grantor(s)/Mortgagor(s): 7/11/2025 : KELVIN GARNER, A MARRIED MAN AND LEJAE GARNER, A MARRIED WOMAN, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. United Wholesale Mortgage, LLC (“MERS”) SOLELY AS A NOMINEE FOR UNITED WHOLESALE MORTGAGE, LLC, ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: 9053 KAUFMAN Page: 136 Instrument No: 2025-0021750 Mortgage Servicer: Mortgage Servicer’s Address: Cenlar FSB is representing the Current Beneficiary/Mortgagee under a 425 Phillips Blvd , servicing agreement with the Current Beneficiary/Mortgagee. Ewing, NJ 08618 Date of Sale: 7/7/2026 - Earliest Time Sale Will Begin: 10:00 AM Place of Sale of Property: Kaufman County Courthouse, 1902 US Highway 175, Kaufman TX 75142 OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: BEING LOT 1, BLOCK "D", VINTAGE MEADOWS ADDITION, PHASE 1, AN ADDITION TO THE COUNTY OF KAUFMAN COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF, RECORDED UNDER CLERK'S DOCUMENT NO, 2016-0018381, OFFICIAL PUBLIC RECORDS OF KAUFMAN COUNTY, TEXAS AND IN CABINET 3, SLIDE 294, OF THE PLAT RECORDS OF KAUFMAN COUNTY, TEXAS. 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, Randy Daniel or Cindy Daniel or Jim O'Bryant, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy & Holthus, LLP, as Substitute Trustee, who shall 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(): 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. Dated: 4/28/2026 Thuy Frazier, Attorney Substitute Trustee } McCarthy & Holthus, LLP c/o Auction.com 1255 West 15th Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for Cenlar FSB bttps;://sales. mccarthyholthus.com/ MH File Number: TX-26-127682-POS Loan Type: FHA be