ae 034 FILED FOR RECORD 9/14/2026 10:41:29 AM Notice of f Substitute 7 Trustee Sale PPP# 26-006314 TS. #: 25-15834 vB i _vepury Ass rtan rotect our righ s. as mem er of the armed for es of the United States or your's ous is servi ano ther tate or as a: member. res com nent of h ‘armel fore of th nited States, please nd ritten noti i u itt ta ce f thi i ia . . Date, Time, and Place of Sale - The sale is scheduled to be held at the following date, time and place: Date: 11/3/2026 Time: _ The sale will begin no earlier than 10:00 AM or no later than three hours thereafter. The sale will be completed by no laterthan.1:00 PM Place: Denton County Courthouse in DENTON, Texas, at the following location: Denton County Courts Building, 1450 East McKinney Street, Denton, TX 7620 OR.IN- THE- AREA DESIGNATED BY. THE-COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE Property To Be Sold - The property to be sold is described as follows: LOT. 5, BLOCK 22, NORTHPOINTE © ADDITION, PHASE II, AN ADDITION TO THE CITY OF DENTON, DENTON COUNTY, TEXAS, ACCORDING TO PLAT. RECORDED IN CABINET vs PAGE 33, MAP/PLAT RECORDS, DENTON COUNTY, TEXAS. Instrument to be Foreclosed — The instrument to be foreclosed is the Deed of Trust is dated 10/31/2019 and is recorded in the office of the County Clerk of Denton County, Texas, under County Clerk’s File No 20191031000513, recorded on 10/31/2019, of the Real Property Records of Denton County, Texas. Property Address: 1409 CARRIGAN LN DENTON Texas 76207-7774 Trustor(s): RYAN LATHAM Original ’ MORTGAGE ELECTRONIC cos Beneficiary: REGISTRATION SYSTEMS, . INC. ("MERS"), AS BENEFICIARY, AS NOMINEE FOR CALIBER HOME LOANS, INC. ITS SUCCESSORS AND ASSIGNS Current SERVBANK, N.A. Loan Servicer: Servbank, N.A. Beneficiary: . Current Auction.com, Donna Stockman, Brenda Wiggs, David Stockman, Michelle Schwartz, Guy Substituted. Wiggs, Carol Dunmon, Payton Hreha, Janet Pinder, Francesca Ortolani, Mary Mancuso, Trustees: “Shelley Ortolani, Michele Hreha, Brandy Bacon, Jamie Dworsky, . Rick Snoke, Angela Cooper, Carol Dunman, Payton Hreha, Jeff Benton, Prestige Default Services, LLC Prestige Posting and Publishing LLC 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. rs T.S. #: 25-15834 Terms of Sale - The sale will be conducted as a public auction to the highest bidder for cash with funds being made payable to Prestige Default Services, LLC, subject to the provisions of the deed of trust permitting the beneficiary thereunderto have the bid credited to the note up to the amount of the unpaid debt secured by the deed of trust at the time of sale. Prospective bidders are strongly urged to examine the applicable property records to determine the nature and extent of such matters, if any. Pursuant to the Deed of Trust, the beneficiary has the right to direct the Trustee to sell the property in one or more parcels and/or to sell all or only part of the property. Pursuant to section 51.009 of the 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 of trust. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the property. Pursuant to section 51.0075 of the Texas Property Code, the trustee reserves the right to set further reasonable conditions for conducting the sale. Any such further conditions shall be announced before bidding is opened forthe first sale of the day held by the trustee or any substitute trustee. Type of sale - The sale is a non-judicial deed of trust lien and security interest foreclosure sale being conducted pursuant to the power of the sale granted by the deed of trust executed by RYAN LATHAM, A SINGLE PERSON. The real property and personal property encumbered by the deed of trust will be sold at the sale in accordance with the provisions of the deed of trust and as permitted by section 9.604(a) of the Texas Business and Commerce Code. Obligations Secured - The deed of trust provides that it secures the payment of the indebtedness and obligations therein described (collectively the “Obligations”) including by not limited to (1) the promissory note in the original principal amount of $204,500.00, executed by RYAN LATHAM, A SINGLE PERSON, and payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS BENEFICIARY, AS NOMINEE - FOR CALIBER HOME LOANS, INC. ITS SUCCESSORS AND ASSIGNS; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness of RYAN LATHAM, A SINGLE PERSON to RYAN LATHAM. SERVBANK, N.A. is the current owner and holder of the Obligations‘and is the beneficiary under the Deed of Trust. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note and all other amounts lawfully owing under the Note, the Deed of Trust, and all of the other associated loan documents, including, without limitation, all interest, default interest, late charges, advances, attomeys’ fees and other costs and expenses. All checks must be made payable to Prestige Default Services, LLC TIS. #: 25-15834 Questions concerning the sale may be directed to the undersigned or to the beneficiary: SERVBANK, N.A. 3138 E Elwood St Phoenix, AZ 85034 (800) 272-3286 Dated: 9/1 4/26 Auction.com, Donna Stockman, Brenda Wiggs, David Stockman, Michelle Schwartz, Guy Wiggs, Carol Dunmon, Payton Hreha, Janet Pinder, Francesca Ortolani, Mary Mancuso, Shelley Ortolani; Michele Hreha, Brandy Bacon, Jamie Dworsky, Rick Snoke, Angela Cooper, Carol Dunman, Payton Hreha, Jeff Benton, Prestige Default Services, LLC ° Prestige Posting and Publishing LLC, Prestige Default Services, LLC . 16801 Addison Road, Suite 350 Addison, Texas 75001 Phone: (972) 893-3096 ext: 1035 Fax: (949) 427-2732 ’ Sale Line Information: (800) 793-6107 Website: www.auction.com AFTER RECORDING, PLEASE RETURN TO: Prestige Default Services, LLC 16801 Addison Road, Suite 350 Addison, Texas 75001 . Attn: Trustee Department