. Mon O Ss | O?Ve 25,0" oe . : eee, P L> 4 a se oe Sy N. » “Bg 6 NOTICE OF SUBSTITUTE TRUSTEE’S SALE 2p ye T.S. #: 2026-21951-TX (KE 2O—~ WIL tional Guard of another ci ne: it ta jh send written notice of the active~ ilita ic . Date, Time, and Place of Sale - The sale is scheduled to be held at the following date, time and place: Date: 5/5/2026 Time: The earliest time the sale will begin is 1:00 PM , or within three (3) hours after that time. Place: Denton County Courthouse, Texas, at the following location: 1450 East McKinney Street, Denton, TX 76209 THE COURTYARD AREA OF THE SOUTHWEST CORNER OF THE DENTON COUNTY COURTS BUILDING Or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioners Court, pursuant to section 51.002 of the Texas Property Code. Property To Be Sold - The property to be sold is described as follows: Lot 34, Block EE, of Paloma Creek South, Phase 3A, an Addition to the County of Denton, Texas, according to the Plat thereof recorded in County Clerk's File No. 2014-194, Map and/or Plat Records of Denton County, Texas. Commonly known as: 1625 ZEBRA FINCH DRIVE LITTLE ELM, 1X 75068 Instrument to be Foreclosed - The instrument to be foreclosed is the Deed of Trust dated 11/30/2015 and recorded in the office of the County Clerk of Denton County, Texas, recorded on 12/1/2015 under County Clerk's File No 2015-137603, in Book --- and Page --- The subject Deed of Trust was modified by Loan Modification recorded 01/24/2018 as Instrument No. 8073: Loan Modification recorded 07/21/2022 as Instrument No. 106517: Loan Modification recorded 06/1 1/2024 as Instrument No. 61306 and Loan Modification recorded 07/28/2025 as Instrument No. 82738. of the Real Property Records of Denton County, Texas. Grantor(s): SHANAI RAGSDALE, AN UNMARRIED WOMAN Original Trustee:. RANDALL C PRESENT Substitute Trustee: Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Agency Sales and Posting LLC, . Abstracts/Trustees of Texas, LLC, Resolve Trustee Services, LLC Original Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR DHI MORTGAGE COMPANY LTD., ITS SUCCESSORS AND ASSIGNS Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation  T.S. #: 2026-21951-TX 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 to administer any resulting foreclosure of the referenced property securing the above referenced loan. . - 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 mortgagee 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. 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. Prospective bidders’are strongly urged to examine the applicable property records to determine the nature and extent of such matters, if any. Pursuant to the Deed of Trust, the mortgagee 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. Notice to Bidders - Please be advised that the Trustee may require entity or trust bidders at this trustee's sale to provide information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a trustee's deed upon sale will be issued for covered transfers. These federal regulations will require reporting if a trustee’s deed is issued on or after March 1, 2026, even if the foreclosure sale is conducted prior to March 1, 2026. Additional information regarding these regulations -and the required transferee information and certifications can be found at https://www. federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for- : residential-real-estate-transfers and https://www.fincen.gov/tre-faqs#D_5. - The deed of trust provides that it secures the payment of the indebtedness and obligations therein described (collectively the “Obligations”) including by not limited to (1) the promissory note in the original principal amount of $259,698.00, executed by SHANAI RAGSDALE, AN UNMARRIED WOMAN, and payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR DHI MORTGAGE COMPANY LTD., ITS SUCCESSORS. AND ASSIGNS; (2) all renewals and extensions of the note; and (3) any. and all present and future indebtedness of Trustor(s) to the current holder of the Obligations to the mortgagee under the deed of trust. : The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Questions concerning the sale may be directed to the undersigned or to the Mortgagee:  T.S. #; 2026-21951-TX Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939 Phone: (855) 690-5900 Default and Request to Act - Default has occurred under the deed of trust, and the mortgagee has requested me, as Trustee, to conduct this sale. Notice is given that before the sale the mortgagee may appoint another person substitute trustee to conduct the sale. , Dated:03/12/26 Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Agency Sales and Posting LLC, Abstracts/Trustees of Texas, LLC, Resolve Trustee Services, LLC Denna Stockman c/o Nestor Solutions, LLC 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone: (888) 403-4115 Fax: (888) 345-5501 For sale information visit: https://www.xome.com or Contact (800) 758-8052. SENDER OF THIS NOTICE: AFTER FILING, PLEASE RETURN TO: Nestor Solutions, LLC 214 Sth Street, Suite 205 Huntington Beach, California 92648