TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-4833 FILED 7/9/2026 10:17:09 AM C&M No. 44-26-01530/ FILE NOS NOTICE OF TRUSTEE'S SALE AND AP T OF SUBSTITUTE TRUSTE INSTRUMENT BEING FORECLOSED AND. GE SERVICER INFORMATION Deed of Trust dated December 23, 2024 and recorded under le No RP-2025-1031, im the real property records of HARRIS County Texas, ‘with Jesus F. Ramos and A Ramos, husband and wife as Grantor(s) and Mortgage Electronic Registration Systems, Inc , as benéficiary, as nomince for Nexera Holding, LLC dba NewFi Lending, tts successors and assigns as Onginal Mortga husband and wife securing payment of the 0 and obligation therein described including but not Deed of Trust executed by Jesus F Ramos and Adnana R indebtedness in the original principal amount of $37. limited to the promissory note and all modification: id extensions of the promissory note (the “Note”) executed by Jesus F Ramos and Adriana R. Ramos Residential Mortgage Loan Trust 2025-NQM3 1s the current mortgagee (the “Mortgagee”) of the Note and Di ‘Trust or Contract Lien. wee by virtue of a servicing agreement with the The Mortgage Servicer 1s authorized to repre perty Code 51.0025, the Mortgage Servicer 1s Mortgagee Pursuant to the Servicing Agreem authorized to collect the debt and to adminis' referenced loan Shellpomt Mortgage Servicing,s acting asthe Mortgage Servicer for the Mortgagee Shellpomt Mortgage Servicing, 1s representing the Mort; hose address 1s 75 Beattie Place, Suite 300, Greenville, SC 29601. Legal Description: LOT FIVE (5), IN BLOCK FIFTEEN (1 HARRIS COUNTY, TEXAS ACCO VOLUME 148, PAGE 103 OF THE MAP. OF WESTCHESTER, SECTION TWO (2), AN ADDITION IN MAP OR PLAT THEREOF RECORDED IN F HARRIS COUNTY, TEXAS. SALE INFORMATION Date of Sale: 08/04/2026 Earliest Time Sale Willi Begin: 10:00 AM. Location of Sate: The place of the sale shall be: BARRIS County Courthouse, Texas at the following location Magnolia South Baliroom insi ou City Event Center or if the preceding area 1s no longer the designated area, at the area most recent by the County Commissioners Court OF SALE A default has occurred in the payment 6 rein referenced indebtedness, and the same 1s now wholly due, and the Mortgagee and/or Mortgage Se ested the heres appointed Substitute Trustee to sell said property to the Inghest bidder for cai tribute or apply the proceeds of said sale im accordance with the terms of said Deed of Trust o the highest bidder for cash, except that Mortgagee’s bid may be by credit against the mdebtedness sec! e len of the Deed of Trust Pursuant to the Deed of Trust, the mortgagee has the nght to direct the Tri 6 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, wi ess or implied warranties, except as to the warranties of title, if any, provided for under the ‘rust. anois0 LANCER COTA HARRIS 4880017 The Sale will be conducted as a public auction  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-4833 FILED 7/9/2026 10:17:09 AM The sale will begin at the earliest time stated above, ot within three (3) hours after that tume If the sale 1s set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the finds paid The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney STRICT COMPLIANCE WITH FINCEN RULES AND REGULATIONS IS REQUIRED FOR PURCHASE OF THE PROPERTY AT THIS SALE. A FORECLOSURE DEED WILL NOT ISSUE WITHOUT SUCCESSFUL BIDDER PROVIDING ALL INFORMATION NECESSARY FOR STRICT COMPLIANCE WITH FINCEN. 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. WHEREAS, m my capacity as attomey for the Mortgagee and/or Its Mortgage Servicer, and pursuant to Se 51 0076 of the Texas Property Code, I HEREBY APPOINT AND DESIGNATE Jeff Leva, Sandy Dasigenis, Patricia Poston, Megan L. Randle, Ebbie Murphy, Wayne Daughtrey, Steve Leva, Agency Sales a Fee By LLC, or Codilis & Moody, P.C., as Substitute Trustee. The address for the Substitute Trustee for purposes of Section 51 0075(e) of the Texas wer Codils & Moody, P C 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Executed on 07/07/2026 OT No_24144831, Attorney at Law (281) 925-5200 Pp aime \) No 44-26-01530