Doc# 20260500234 04/09/2026 11:10 AM Page 1 of 3 Lucy Adame-Clark, Bexar County Clerk Degree aa MONEE NE LOAN TYPE: VA 80-2026 -202605002 NOTICE OF TRUSTEE'S FORECLOSURE SALE Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving on active military 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 the sender of this notice immediately. 1 Property to Be Sold. The property to be sold is described as follows: LOT 10, BLOCK 51 OF KALLISON RANCH PHASE 1, UNIT 11B, A SUBDIVISION IN BEXAR COUNTY, TEXAS, ACCORDING TO MAP OR PLAT THEREOF RECORDED IN VOLUME 9683, PAGES 50-51, OF THE DEED AND PLAT RECORDS OF BEXAR COUNTY, TEXAS. 2. Instrument to be Foreclosed. The instrument to be foreclosed is the deed of trust recorded on 10/15/2021 as instrument 20220289631, of the real property records of BEXAR County, TX. 3. Date, Time, and Place of Sale. The sale is scheduled to be held at the following date, time, - and place: Dated: 05/05/2026 Time: The sale will begin no earlier than 10:00 A.M. or no later than three hours thereafter. Place BEXAR COUNTY COURTHOUSE, 100 DOLOROSA, SAN ANTONIO, TX 78205 or an area designated by the County Commissioners Court The Deed of Trust permits the Mortgagee to postpone, withdraw, or reschedule the sale for another day. In that case, the trustee or substitute trustee under the Deed of Trust need not appear at the date, time, and place of a scheduled sale to announce the postponement, withdrawal, or rescheduling. Notice of the date of any rescheduled foreclosure sale will be reposted and refiled in accordance with the posting and filing requirements of the Texas Property Code. The reposting or refiling may be after the date originally scheduled for this sale. 4. Terms of Sale. The sale will be conducted as a public auction to the highest bidder for cash, subject to the provisions of the Deed of Trust permitting the beneficiary thereunder to 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.  Doc# 20260500234 04/09/2026 11:10 AM Page 2 of 3 Lucy Adame-Clark, Bexar County Clerk Those desiring to purchase the property will need to demonstrate their ability to pay cash on the day the property is sold. The sale will be made expressly subject to any title matters set forth in the Deed of Trust, but prospective bidders are reminded that by law the sale will necessarily be made subject to all prior matters of record affecting the property, if any, to the extent that they remain in force and effect and have not been subordinated to the Deed of Trust. The sale shall not cover any part of the property that has been released of public tecord from the lien of the deed of trust. Prospective bidders are strongly urged to examine the applicable property records to determine the nature and extent of such matters, if any. Please be advised that the trustee will require any entity or trust bidder at this trustee's sale to provide beneficial ownership information, documentation, and written certification as required under FinCEN's Anti-Money Laundering Regulations for Residential Real Estate Transfers, effective for transfers to covered transferees closing on or after March 1, 2026. This requirement applies where the purchaser is a legal entity (including an LLC, corporation, or partnership) or a trust, and the transfer is not financed by an institutional lender subject to existing anti-money laundering requirements. The required information and certification must be provided to the trustee prior to issuance of the trustee's deed upon sale. No trustee's deed will be issued for a covered transfer until] all required FinCEN information has been received and certified. Additional information regarding these regulations and required transferee disclosures can be found at: https://www.fincen.gov/rre and https://www.fincen.gov/rre-fags 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 for the first sale of the day held by the trustee or any substitute trustee. 5. Type of Sale. The sale is a non-judicial deed-of-trust lien foreclosure sale being conducted pursuant to the power of sale granted by the Deed of Trust executed by MICHAEL TODD JOINER AND NICOLE LYNN JOINER, HUSBAND AND WIFE  Doc# 20260500234 04/09/2026 11:10 AM Page 3 of 3 Lucy Adame-Clark, Bexar County Clerk 6. Obligations Secured. The Deed of Trust provides that it secures the payment of the indebtednesses and obligations therein described (collectively, the “Obligations”) including but not limited to (a) the promissory note in the original principal amount of $ 413,394.00, and payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR ARK-LA-TEX FINANCIAL SERVICES, LLC DBA BENCHMARK MORTGAGE, its successors and assigns; (b) all renewals and extensions of the note, if applicable; (c) any and all present and future indebtednesses owed to LAKEVIEW LOAN SERVICING, LLC who is the current owner and holder of the "Obligations" and is the current Mortgagee under the Deed of Trust. Mortgage Servicing Information. ServiceMac, LLC, is acting as the Mortgage Servicer for LAKEVIEW LOAN SERVICING, LLC, who is the Mortgagee of the Note and Deed of Trust associated with the above referenced loan. ServiceMac, LLC, as Mortgage Servicer, is representing the Mortgagee whose address is: LAKEVIEW LOAN SERVICING, LLC C/O ServiceMac, LLC, 9726 Old Bailes Road, Suite 200, Indian Land, SC 29707. 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 administer any resulting foreclosure of the property securing the above-reference loan. 7. Default and Request to Act. Default has occurred under the Deed of Trust, and the Mortgagee has requested me, as Kirk Schwartz, Justin Ritchie, Carson Emmons, Jeffrey Kramer, America West Lender Services (AWEST), DeeAnn Gregory, Alexis Martin, Cassie Martin, Troy Martin, Deborah Martin, Terri Martin or Shelby Martin, Clay Golden, Douglas Rodgers, David Ackel, John Sisk, Travis Kaddatz, Israel Curtis, Matthew Hansen, Ramiro Cuevas, Joshua Sanders, Cary Corenblum, Daniel Hart, Auction.com LLC to conduct this sale. Notice is given that before the sale the Mortgagee may appoint another person substitute trustee to conduct the sale. va: 44-0 YD) Kirk Schwartz, Justin Ritchie, on Emmons, Jeffrey Kramer, America West Lender Services (AWEST), DeeAnn Gregory, Alexis Martin, Cassie Martin, Troy Martin, Deborah Martin, Terri Martin or Shelby Martin, Clay Golden, Douglas Rodgers, David Ackel, John Sisk, Travis Kaddatz, Israel Curtis, Matthew Hansen, Ramiro Cuevas, Joshua Sanders, Cary Corenblum, Daniel Hart, Auction.com LLC C/O America West Lender Services 5404 Cypress Center Drive, Suite 300 FILE INFORMATION Tampa, FL 33609 Document Number: 20260500234 844-693-4761 Date/Time: 4/9/2026 11:10:36 AM . Fax: 877-317-0475 FLED THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00