TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5515 49:41 AM FILED 7/30/2026 9 NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on December 6, 2011, a certain Adjustable Rate Home Equity Conversion Deed of Trust (“Reverse Mortgage”) was executed by MARK D. CLOUTIER AND KUMIKO N. CLOUTIER, as mortgagor in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR URBAN FINANCIAL GROUP, INC., ITS SUCCESSORS AND ASSIGNS, as mortgagee and ALAN F. SOUTH, ATTORNEY AT LAW, as trustee, and was recorded on December 13, 2011 under Clerk's Instrument Number 20110519342 in the real property records of Harris County, Texas. : WHEREAS, the Reverse Mortgage was insured by the United States Secretary of Housing and Urban Development (the “Secretary”) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the beneficial interest in the Reverse Mortgage is now owned by the Secretary, pursuant to an assignment dated May 20, 2019, and recorded on July 16, 2019, under Clerk's Instrument Number RP- 2019-305466 in the real property records of Harris County, Texas; and WHEREAS, a default has been made in the covenants and conditions of the Reverse Mortgage in that the Mortgagors no longer occupies the property; and WHEREAS, by virtue of the default, the Secretary has declared the entire amount of the indebtedness secured by the Reverse Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, recorded on October 15, 2007 in Dallas County under Clerk’s File Number 9306, notice is hereby given that on September 1, 2026, at 12:00 PM local time or no later than (11) AND ALL OF LOT TEN (10) IN DLE! K, SECTION ONE (1), A , TE! CC ING TO THE MAP vO) 91, 2 (58) OF IS COU OR PLAT THEREOF RECORDS OF HARRIS PARTICULARLY DESCRIBED BY METES AND:-BOENDS AS FOLLOW: BEING A TRACT OR PARCEL OF LAND CONTAINING 9457 SQ' FEET, (0.2171 ACRES) IN BLOCK FIFTY-EIGHT (58) OF MIDDLEBRO! SECTION ONE (1), A SUBDIVISION AS RECORDED IN VOLUME 191, PAGE 36 OF THE MAP RECORDS OF HARRIS COUNTY, TEXAS, SAID TRACT BEING A PART OF LOTS NINE (9) THROUGH ELEVEN (11) OF BLOCK FIFTY-EIGHT (58) OF SAID MIDDLEBROOK, SECTION ONE (1) AND BEING MORE PARTICULARLY DESCRIBED BY METES AND BOUNDS AS FOLLOWS (ALL BEARINGS REFERENCED TO THE TEXAS COORDINATE . SYSTEM, SOUTH CENTRAL ZONE): COMMENCING AT A POINT FOR REFERENCE, THE INTERSECTION OF THE SOUTH LINE OF SAID MIDDLEBROOK, SECTION ONE (1) WITH THE EAST LINE OF PLUM HOLLOW DRIVE, 60.00 FEET WIDE; THENCE NORTH 66 DEGREES, 6 MINUTES, 31 SECONDS EAST, A DISTANCE OF 68.73 FEET TO A POINT OF SAID SOUTH LINE; THENCE NORTH 69 DEGREES, 11 MINUTES, 2 SECONDS EAST, A DISTANCE OF 246.54 FEET TO A POINT OF SAID SOUTH LINE; THENCE NORTH 68 DEGREES, 57 MINUTES, 11 SECONDS EAST, A DISTANCE OF 236.01 FEET TO THE POINT OR BEGINNING ON SAID SOUTH LINE; THENCE NORTH 68 DEGREES, 57 MINUTES, 11 SECONDS EAST, A DISTANCE OF 74.00 FEET TO A POINT FOR CORNER OF SAID SOUTH LINE; THENCE NORTH 67 DEGREES, 54 MINUTES, 43 SECONDS EAST, A DISTANCE OF 6.00 FEET TO A POINT FOR CORNER OF SAID SOUTH LINE; 24-000072-430-1  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5515 41 AM FILED 7/30/2026 9:49 THENCE NORTH 20 DEGREES, 40 MINUTES, 38 SECONDS WEST, A DISTANCE OF 117.85 FEET TO A POINT FOR CORNER OF THE SOUTH LINE 01° LONGVALE DRIVE, 60.00 FEET WIDE; THENCE SOUTH 69 DEGREES, 19 MINUTES, 22 SECONDS WEST, A DISTANCE OF A 80.00 FEET TO A POINT FOR CORNER OF SAID SOUTH LINE; THENCE SOUTH 20 DEGREES, 40 MINUTES, 38 SECONDS EAST, A DISTANCE OF 11848 FEET TO THE POINT OF BEGINNING AND CONTAINING 9457 SQUARE FEET (0.2171 ACRE) OF LAND, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS THEREON. Commonly known as: 16430 LONGVALE DRIVE, HOUSTON , TX 77059. The sale will be held in Harris County, Texas at the following location: AT THE MAGNOLIA SOUTH BALLROOM OF THE BAYOU CITY EVENT CENTER LOCATED AT 9401 KNIGHT ROAD, HOUSTON, TX 77045 PER ORDER RECORDED IN CLERK'S FILE NO. RP-2023-304925, or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioner's Court. or as designated by the County Commissioners Court. The Secretary of Housing and Urban Development will bid $313,808.73. e no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, ing, his prorate share of any real estate taxes that have been paid by the Secretary to the rs except the Secretary must submit a deposit totaling $31,380.87 in the out to the Secretary of HUD. A deposit need not ral, a deposit of $31,380.87 must be presented before ¢ remainder of the purchase price must be Secretary may determine for good cause sits, must be delivered in the form of a not pay the bid amount in cash. taxes that are due on or after sociated with the transfer of title. wil! be returned to them. The successful bidder will pay all conveying the delivery date of the remainder of the payment ani At the conclusion of the sale, the deposits of the unsuccessfi The Secretary may grant an extension of time within which to deliver extensions will be for 15-day increments for a fee of $500.00, paid in advance. The ext in the form of a certified or cashier’s check made payable to the Secretary of HUD. If tl closes the sale prior to the expiration of any extension period, the unused portion of the ex’ shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extension of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure, The Commissioner may, at the direction of the HUD representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid.if the mortgage is to be paid in full prior the scheduled sale is $313,808.73, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s attendance at 24-000072-430-1  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5515 41 AM FILED 7/30/2026 9:49 ' the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of- pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Date: July 29, 2026 , L. Keller Mackie OO __ Foreclosure Commissio} ‘ Mackie Wolf Zientz & Mann, P.C. Parkway Office Center, Suite 900 14160 Dallas Parkway Dallas, TX 75254 (214) 635-2650 (214) 635-2686 Fax 1499 WIT 40Nn 24-000072-430-1