Doc-118735 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 *VG-705-2026-1 18735" Document No: 118735 Billable Pages: 1 Recorded On: September 15, 2026 12:35 PM Number of Pages: 2 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 unenforceable under federal law. File Information: Record and Return To: Document No: 118735 South Texas Court Services Receipt No: 20260915000184 14345 N. Los Ebanos Rd Recorded On: September 15, 2026 12:35 PM Original Returned to Customer Deputy Clerk: Marc Silva Mission TX 78573 Station: CC-ED-KF1015 nlliinag, STATE OF TEXAS COUNTY OF HIDALGO Sv e, \) "4 SON COg ty | hereby certify that this Instrument was FILED in the File Number sequence on the date/time printed hereon, and was duly RECORDED in the Official Records of Hidalgo County, Texas. see, wn ke Arturo Guajardo Jr. 17), OF Fi MOS County Clerk J . CORD y Hidalgo County, Texas Wntety anueil UP pr TAS yw Maw RY % % " ATTENTION SERVICE MEMBERS: ASSERT AND PROTECT YOUR RIGHTS AS A MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU ARE OR YOUR SPOUSE IS SERVING IN ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL GUARD OR THE NATIONAL GUARD OF ANOTHER STATE OR A MEMBER OF A RESERVE COMPORERT 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. NOTICE OF SUBSTITUTE TRUSTEE'S SALE WHEREAS, ALEXANDER H. HAMAD, A SINGLE PERSON delivered that one certain Deed of Trust dated MARCH 7, 2023, which is recorded in INSTRUMENT NO. 3429206 of the real property records of HIDALGO County, Texas, conveying to the Trustee(s) therein named the real property therein described, to secure the payment of a Promissory Note in the principal amount of $260,000.00 payable to the order of MORTGAGE FINANCIAL SERVICES, LLC, to which reference is hereby made for a description of the Promissory Note, the terms and covenants of the Deed of Trust, and the property therein conveyed; and WHEREAS, default, as same is defined in the Promissory Note and/or the Deed of Trust, has occurred and the outstanding indebtedness on same is now wholly due; and WHEREAS, the undersigned has been appointed Substitute Trustee in place of the original Trustee, upon the contingency and the manner authorized by the Deed of Trust; and WHEREAS, VETERANS LAND BOARD OF THE STATE OF TEXAS, the Mortgages or Mortgage Servicer, has instructed a Substitute Trustee to sell real property described in the Deed of Trust in order to satisty tha indebtedness secured thereby. THEREFORE, #OTICE IS HEREBY GIVEN that on OCTOBER 6, 2026, beginning at 10:00 AM, or not later than three (3) hours after that time, a Substitute Trustee will sell, to the highest bidder submitting cashier's check, certified check or money order, the following described real property: LOT 46, ENCINO RIDGESUBDIVISION, AN ADDITION TO THE CITY OF PHARR, HIDALGO COUNTY, TEXAS, ACCORDING TC MAP THEREOF FILED FOR RECORD IN THE OFFICE OF THE COUNTY CLERK OF HIDALGO COUNTY, TEXAS, ON DECEMBER 8, 2021, UNDER CLERK'S FILE NO. 3289602. The sale will occur at that area designated by the Commissioners Court of HIDALGO County, Texas, for such sales (OR AT THE HIDALGO COUNTY ADMINISTRATION BUILDING, LOCATED AT 2802 S BUSINESS HWY 281, EDINBURG, TEXAS). BE ADVISED that, pursuant to the Texas Property Code, a mortgagee may be the mortgage servicer and a mortgagee or a mortgage servicer may administer the foreclosure of property on behalf of the mortgagee if they have entered into an agreement granting the currant mortgage servicer authority to service the mortgage. The Mortgage Servicer, if not the Mortgagee, is representing the Mortgagee under a servicing agreement. The name and address of the Mortgagee is VETERANS LAND BOARD OF THE STATE OF TEXAS, 1700 N. CONGRESS, AUSTIN, TEXAS 78701-1496. The name and address of the Mortgage Servicer is GATEWAY MORTGAGE, P.O. BOX 1560, JENKS, OK 74037. The name and address of a Substitute Trustea is Michael J. Schroeder, 3610 North Josey Lane, Suita 206, Carrollton, Texas 75007. A substitute trustee is authorized by the Texas Property Code to set reasonable conditions for a sale. A purchaser at a sale acquires the property “as is” without any expressed or implied warranties at the purchaser's own risk. A purchaser at a sale is nota consumer. If a sale is set aside, the Purchaser will be entitled only to a return of the purchase prica, less any applicable fees and costs, and shall have no other recourse against the mortgagor, the mortgagee, or the substitute trustee. Dated: SEPTEMBER 14, 2026. SUBSTITUTE TRUSTEE(S} MICHAEL J. SCHROEDER OR CONNIE COBB OR CLYDE COBB OR CONSTANCE LEWIS OR SANDRA A “C MENDOZA OR ARNOLD MENDOZA OR ALEXIS / MENDOZA OR W.D. LAREW OR JULIE MARTIN OR JERRY PEREZ OR SARAH MAYS OR ADOLFO RODRIGUEZ FILE NO.: GMG-3542 NOTICE SENT BY: PROPERTY: 1410 £ ENCINO AVE MICHAEL J. SCHROEDER PHARR, TEXAS 78577 3610 NORTH JOSEY LANE, SUITE 206 : CARROLLTON, TEXAS 75007 ALEXANDER H. HAMAD | Tele: (972) 384-2036 Fax: {972} 394-1283 Doc-118735