C& M No. 44-24-01784/ FILE NOS NOTICE OF TRUSTEE' S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEE 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. Sender is: Codilis & Moody, P.C., 20405 State Highway 249, Suite 170, Houston, TX 77070 INSTRUMENT BEING FORECLOSED AND MORTGAGE SERVICER INFORMATION Deed of Trust dated November 08, 2007 and recorded under Clerk's File No. 20071114001544390, in the real property records ofCOLLIN County Texas, with Gurdeep S. Gangar,joined herein pro forma by his wife, Kamaljit Ganger as Grantor( s) and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Countrywide Bank, F.S.B., its successors and assigns as Original Mortgagee. Deed of Trust executed by Gurdeep S. Gangar, joined herein pro forma by his wife, Kamaljit Ganger securing payment of the indebtedness in the original principal amount of $148,000.00 and obligation therein described including but not limited to the promissory note and all modifications, renewal and extensions of the promissory note ( the " Note") executed by Gurdcep S. Gangar. US Bank Trust National Association, Not In Its Individual Capacity But Solely As Owner Trustee For VRMTG Asset Trust is the current mortgagee ( the" Mortgagee") ofthe Note and Deed ofTrust or Contract Lien. 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 property securing the above referenced loan. Shellpoint Mortgage Servicing is acting as the Mortgage Serviccr for the Mortgagee. Shellpoint Mortgage Servicing, is representing the Mortgagee, whose address is: 75 Beattie Place, Suite 300, Greenville, SC 29601. Legal Description: BEING LOT 12, IN BLOCK C, OF NORTH BETHANY LAKE ESTATES PHASE ONE ADDITION, AN ADDITION TO THE CITY OF ALLEN, COLLIN COUNTY, TEXAS, ACCORDING TO THE CORRECTED PLAT THEREOF RECORDED IN VOLUME L, PAGE 987, OF THE MAP RECORDS OF COLLIN COUNTY, TEXAS. SALE INFORMATION Date of Sale: 06/02/2026 Earliest Time Sale Will Begin: 10:00 AM Location of Sale: The place of the sale shall be: COLLIN County Courthouse, Texas at the following location: 2100 Bloomdale Road, McKinney, Texas 75071, or ifthe preceding area is no longer the designated area, atthe area most recently designated by the County Commissioner' s Court TERMS OF SALE Adefault has occurred in the payment ofsaid herein referenced indebtedness, and the same is now wholly due, and the Mortgagee and/or Mortgage Servicer has requested the hereinafter appointed Substitute Trustee to sell said property to the highest bidder for cash and to distribute or apply the proceeds of said sale in accordance with the terms ofsaid Deed of Trust. The Sale will be conducted as apublic auction to the highest bidder for cash, except that Mortgagee' s bid may be by credit against the indebtedness secured by the lien of the Deed of Trust. 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 t roert will be sold in " AS IS," IIIrr111 1f) 11 ' COLLIN 4873570WHERE IS" condition, without any express or implied warranties, except as to the warranties of title, if any, provided for under the Deed ofTrust. The sale will begin at the earliest time stated above, or within three (3) hours after that time. Ifthe sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return ofthe funds paid. The Purchaser shall have no furtherrecourse against the Mortgagor,the Mortgagee ortheMortgagee'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, in my capacity as attorney for the Mortgagee and/or its Mortgage Servicer, and pursuant to Section 51.0076 of the Texas Property Code, I HEREBY APPOINT AND DESIGNATE Carol Dunmon, Mary Mancuso, Michele Hreha, Shelley Ortolani, Francesca Ortolani, Guy Wiggs, David Stockman, Brenda Wiggs, Donna Stockman, Janet Pinder, Brandy Bacon, Michelle Schwartz, Jamie Dworsky, Angela Brown, Payton Hreha, Jeff Benton, Leslie Shuler, Agency Sales and Posting, LLC, or Codilis & Moody, P.C., as Substitute Trustee. The address for the Substitute Trustee forpurposes ofSection 51.0075(e) ofthe Texas Property Code is: Codilis& Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 281) 925- 5200 Executed on 04/29/2026. s/ Will Morphis SBOT No. 24131905, Attorney at Law Codilis& Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 281) 925-5200 CO A r— n zQn Posted and filed by: air' e .) Printed Name: r r D i 0 rn ( V .. X C& M No. 44-24-01784 i N