START OF PAGE: 274 HGCH Gis POSTER 09/03/2026 01004 Rosio Munoz 3 L, BRANION STEINMANN, COUNTY CLERK NOTICE OF SUBSTITUTE TRUSTEE SALE MONTGOMERY COUNTY, TEXAS Grantor(s)/Mortgagor(s): JASON RAMSEY, A SINGLE MAN Current Beneficiary/Mortgagee: PENNYMAC LOAN SERVICES, LLC Deed of Trust Date: 8/17/2015 Original Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) SOLELY AS A NOMINEE FOR WESTSTAR MORTGAGE CORPORATION DBA CORE LENDING. ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A MONTGOMERY Page: N/A Instrument No: 201581434 Mortgage Servicer: Mortgage Servicer’s Address: PennyMac Loan Services, LLC is representing the Current 6101 Condor Drive, Beneficiary/Mortgagee under a servicing agreement with the Current Moorpark, CA 93021 Beneficiary/Mortgagee. Date of Sale: 10/6/2026 Earliest Time Sale Will Begin: 10:00 AM Place of Sale of Property: Montgomery County Courthouse, On the steps at 301 N. Main, Conroe, TX 77301 OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: LOT 18, BLOCK 13, OF POINT AQUARIUS, SECTION 1, A SUBDIVISION IN MONTGOMERY COUNTY, TEXAS, ACCORIDNG TO THE MAP OR PLAT THEREOF RECORDED IN CABINET A, SHEET 34-A, (FORMERLY RECORDED IN VOLUME 9, PAGE 66) OF THE MAP RECORDS OF MONTGOMERY, 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, Patricia Poston, Chris Poston or Amar Sood, 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 temedies 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(1): 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: 8/28/2026 Dated: September 3, 2026 Chris Poston Printed Name: Thuy Frazier, Attorney Substitute Trustee McCarthy & Holthus, LLP c/o Auction.com 1255 West 15th Street, Suite 1060 1255 West | Sth Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attomeys for PennyMac Loan Services, LLC bttps sales. mecarthybulthus,comy/ MH File Number: TX-25-107223-POS Loan Type: USDA Farm Loan  START OF PAGE: 275 DGCH#H O121 POSTED 07/03/2026 O1:00F# Rosic Munoz L. BRANDON STEINMANN, COUNTY CLERK MONTGOMERY COUNTY, TEXAS Grantor(s)/Mortgagor(s): OSCAR CALZADA JR AND ROSA VANESSA CARREON, HUSBAND AND WIFE Current Beneficiary/Mortgagee: Lakeview Loan Servicing, LLC NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: 5/29/2020 Original Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) SOLELY AS A NOMINEE FOR CORNERSTONE HOME LENDING, INC. ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A MONTGOMERY Page: N/A Instrument No: 2020052501 Mortgage Servicer: Mortgage Servicer’s Address: M&T Bank is representing the Current Beneficiary/Mortgagee under a servicing agreement with the Current Beneficiary/Mortgagee. Buffalo, NY 14203 Date of Sale: 10/6/2026 Earliest Time Sale Will Beg Place of Sale of Property: MONTGOMERY COUNTY COURTHOUSE STEPS AT 301 N. MAIN, IN CONROE, TEXAS; OR AS DESIGNATED BY THE COUNTY COMMISSIONER'S OFFICE OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. 1 Fountain Plaza, Legal Description: LOT 20, BLOCK 1, BROOKWOOD FOREST, SECTION 6, A SUBDIVISION IN MONTGOMERY COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED UNDER FILM CODE NO. 2018063174 AND UNDER CABINET Z, SHEETS 5186-5187 OF THE MAP RECORDS OF MONTGOMERY 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, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Patricia Poston, Chris Poston or Amar Sood, 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(1): 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: 8/31/2026 Dated: September 3, 2026 UOT Thuy Frazier, Attorney Chris Poston Printed Name: Substitute Trustee McCarthy & Holthus, LLP c/o Xome 1255 West 15th Street, Suite 1060 1255 West [5th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attomeys for M&T Bank hitps./s mecarthy holthus.com/ MH File Number: TX-26-131256-POS Loan Type: FHA