Doc-117702 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 *VG-705-2026-117702" Document No: 117702 Billable Pages: 3 Recorded On: June 04, 2026 03:08 PM Number of Pages: 4 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: 117702 SOUTH TEXAS TITLE & TRUSTEE SERVICES Receipt No: 20260604000286 P.O.BOX 530493 Recorded On: June 04, 2026 03:08 PM original returned to customer Deputy Clerk: Erika Gonzalez HARLINGEN TX 78553 Station: CH-1-CC-K35 y ynntttsiyy, STATE OF TEXAS SO 20lyq COUNTY OF HIDALGO * oo Arturo Guajardo Jr. zt net esneeee? May, OF HDS County Clerk Y 7 Sep We y Hidalgo County, Texas | 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. * wv agnare™ Uf il oe ty, "4 ‘AS nin (7 Doc-117702 NOTICE OF SUBSTITUTE TRUSTEE'S 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. DATE, TIME, PLACE OF SALE: Date: Tuesday, the 4th day of August, 2026 Time: 10am or not later than three hours after that time Place: AT The Hidalgo County Administrative Building, located at 2802 S. Business Hwy 281, Edinburg, TX 78539 (outdoor covered area on the west side of the building); or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioner's Court in Hidalgo County, Texas. TERMS OF SALE: CERTIFIED FUNDS FOR FULL PURCHASE PRICE MUST BE PRESENTED AT THE TIME OF SALE. FinCEN data submission and certification requirements, if applicable, must be met timely by entities and trusts as defined by 89 CFR 70258. We ask for the required data or exemption to be submitted and certified to the law firm at the time of sale and no later than one (1) business day after the sale, if applicable. DEED OF TRUST INFORMATION - INSTURMENT TO BE FORECLOSED: Date: July 14, 2022 Grantor(s): Monica Urena and Geraldo Antonio Garza, both unmarried Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for CrossCountry Mortgage, LLC, its successors and assigns Original Principal: $272,893.00 Recording Information: Deed Inst.# 3361654, Current Mortgagee/Beneficiary: CrossCountry Mortgage, LLC Secures: The Promissory Note (the “Note”) in the original principal amount of $272,893.00 and all obligations contained therein. All sums secured by the Deed of Trust have been and are hereby declared immediately due and payable as a result of default under the Note and/or Deed of Trust. MODIFICATIONS AND RENEWALS: As used herein, the terms “Note” and “Deed of Trust” mean the Note and Deed of Trust as modified, renewed, and/or extended. PROPERTY TO BE SOLD: Property County: Hidalgo Property Description: (See Attached Exhibit "A") Property Address: 1604 Optimum Dr, Edinburg, TX 78542 Condition and Important Recitals: Should a conflict occur between the property address and the legal description contained in “Exhibit A” the legal description shall control. The property will be sold “AS IS” without any representations, warranties, or recourse, and subject to any liens or interests that may survive the sale. Any purchaser who purchases the property does so at his/her/its own risk and is strongly encouraged to engage in significant due diligence prior to sale. MORTGAGE SERVICING INFORMATION: The Mortgage Servicer represents the Current Mortgagee pursuant to a mortgage servicing agreement with the Mortgagee. Pursuant to Texas Property Code § 51.0025, as well as the mortgage servicing agreement, the Mortgage Servicer is authorized to collect the debt and to institute foreclosure of the deed of trust referenced above. The Mortgage Servicer information is below: Mortgage Servicer: Rocket Mortgage, LLC s/b/m Nationstar Mortgage LLC Mortgage Servicer Address: 8950 Cypress Waters Blvd Coppell, TX 75019 File No.: 26-04468TX Doc-117702 SUBSTITUTE TRUSTEE(S): McCalla Raymer Leibert Pierce, LLP, Agency Sales and Posting LLC SUBSTITUTE TRUSTEE ADDRESS: 1320 Greenway Drive, Suite 780 Irving, TX 75038 ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (Rule), found at 89 FR 70258, will go into effect.* The Rule applies to certain residential real estate sale transactions, including nonjudicial foreclosures, where the transfer is to a legal entity or trust, and the source of funds is nou-financed (which includes cash, certified funds, private financing, or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement.) As part of this Rule, non-exempt purchasers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction, if applicable.* The collection of this information and documentation by our firm is required to comply with the Rule’s federal reporting requirements, if applicable. To submit and certity the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. Note that a data submission or exemption form provided by an auctioneer may not be complete, which could require further data collection by the firm. Please submit and certify the required information at the time of sale and no later than one (1) business day after the sale, if applicable. If you have questions about the Rule or its applicability to you, please seek the advice of your own independent legal counsel, as this firm cannot give you legal advice. * The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust, and (3) to confirmation that the successful bidder has timely provided to the firm all information required by the Rule, 89 FR 70258, if applicable. 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. /s/ Maisyn Oliver Maisyn Oliver - Bar #: 24130719 Attorney for CrossCountry Mortgage, LLC Maisyn.Oliver@mcecalla.com 1320 Greenway Drive, Suite 780 Irving, TX 75038 (469) 942-7141 Office (469) 533-6670 Fax DOCUMENT PREPARED BY: McCalia Raymer Leibert Pierce, LLP 1320 Greenway Drive, Suite 780 Irving, TX 75038 AS ATTORNEY FOR THE HEREIN IDENTIFIED MORTGAGEE AND/OR MORTGAGE SERVICER Certificate of Posting Connie Cobb Tam whose address is 14800 Landmark Bivd., Suite 850 Dallas, TX 75254 . 1 declare under penalty perjury that 96/04/2026 I filed and/or recorded this Notice of Foreclosure Sale at the office of the Hidalgo County Clerk and caused it to be posted at the location directed by the Hidalgo County Commissioners. Return to: McCalla Raymer Leibert Pierce, LLP, 1320 Greenway Drive, Suite 780 Irving, TX 75038 File No.: 26-04468TX Doc-117702 EXHIBIT “A” Lot 18, THE HEIGHTS ON WISCONSIN PHASE II SUBDIVISON, an addition to the City of Edinburg, Hidalgo County, Texas, as per map or plat thereof filed on February 11, 2021, recorded under Clerk's File No. 3192636, Official Records, and Map Records, Hidalgo County, Texas. File No.: 26-04468TX