.. 5 A- qF.IL ED FOR RECORD at fF"o'clock _ ___M AUG 17 2026 Notice of Substitute Trustee Sale BECKY LANDRUM T.S. #: 26-20831 County Clerk, Hunt County, Tex. by ~ .. Assert and protect your rights as a member of the armed forces of the United States. If vou are or your spou.se is &rving on active · military duty, including active military dutv 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, and Place of Sale -The sale is scheduled to be held at the following date, time and place: Date: 11/3/2026 Time: The sale will begin no earlier than 1 :00 PM or no later than three hours thereafter. The sale will be completed by no later than 4:00 PM Place: Hunt County Courthouse in Rockwall, Texas, at the following location: On the north steps, including the hallway area 20 feet inside the north door on the 2nd floor of the Hunt County Courthouse OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S 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 8, BLOCK 10, VERANDAH, PHASE SB & SC, AN ADDITION IN HUNT COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF, RECORDED IN CABINET I, SLIDE 264, MAP A DIOR PLAT RECORDS, HUNT COUNTY, TEXAS. Instrument to be Foreclosed - The instrument to be foreclosed is the Deed of Trust is dated 1/25/2022 and is recorded in the office of the County Clerk of Hunt County, Texas, under County Clerk's File No 2022-01953, recorded on 1/27/2022, of the Real Property Records of Hunt County, Texas. Property Address: 1933 FOX GLOVE ST ROYSE CITY, TEXAS 75189 Trustor(s): CHARLIE CONTRERAS Original MORTGAGE ELECTRO IC Beneficiary: REGISTRATION SYSTEMS, INC. ("MERS"), AS BENEFICIARY, AS NOMINEE FORM/I FINANCIAL, LLC., ITS SUCCESSORS AND ASSIGNS Current NewRez LLC Loan Servicer: NewRez LLC, F/K/A New Penn Financial, Beneficiary: LLC, D/B/A Shellpoint Mortgage Servicing Current Auction.com, LLC, David Sims, Harriett Fletcher, Ronnie Hubbard, Sheryl LaMont, Sharon Substituted St. Pierre, Allan Johnston, Randy Daniel, Avriel DuVerney, Jabria Foy, Heather Golden, Trustees: Kara Riley, Debby Akens, Kara Riley, Debby Akens, and Rick Snoke, Prestige Default Services, LLC, Agency Sales and Posting LLC, Resolve Trustee Services, LLC, Abstracts/Trustees of Texas, LLC, Prestige Posting And Publishing LLC 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. Terms of Sale -The sale will be conducted as a public auction to the highest bidder for cash with funds being made payable to Prestige Default Services, LLC, subject to the provisions of the deed of trust permitting the beneficiary 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. 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 beneficiary has the right to direct the Trustee to sell the property in one or more... T.S. #: 26-20831 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. Type of sale -The sale is a non-judicial deed of trust lien and security interest foreclosure sale being conducted pursuant to the power of the sale granted by the deed of trust executed by CHARLIE CONTRERAS, UNMARRIED. The real property and personal property encumbered by the deed of trust will be sold at the sale in accordance with the provisions of the deed of trust and as permitted by section 9.604(a) of the Texas Business and Commerce Code. Obligations Secured - 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 (I) the promissory note in the original principal amount of $245,342.00, executed by CHARLIE CONTRERAS, UNMARRIED, and payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS BENEFICIARY, AS NOMINEE FOR M/I FINANCIAL, LLC., ITS SUCCESSORS AND ASSIGNS; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness of CHARLIE CONTRERAS, UNMARRIED to CHARLIE CONTRERAS. NewRez LLC is the current owner and holder of the Obligations and is the beneficiary 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 and all other amounts lawfully owing under the Note, the Deed of Trust, and all of the other associated loan documents, including, without limitation, all interest, default interest, late charges, advances, attorneys' fees and other costs and expenses. All checks must be made payable to Prestige Default Services, LLC Questions concerning the sale may be directed to the undersigned or to the beneficiary: NewRez LLC, F/K/A New Penn Financial, LLC, D/B/A Shellpoint Mortgage Servicing 75 Beattie Place, Suite 300 Greenville, South Carolina 29601-2743 800-365-7107 \~k, Dated: ~ , \[\ Auction.com, LLC, David Sims, Harriett Fletcher, Rormie Hubbard, Sheryl LaMont, Sharon St. Pierre, Allan Johnston, Randy Daniel, Avriel Du Verney, Jabria Foy, Heather Golden, Kara Riley, Debby Akens, Kara Riley, Debby Akens, and Rick Snoke, Prestige Default Services, LLC, Agency Sales and Posting LLC, Resolve Trustee Services, LLC, Abstracts/Trustees of Texas, LLC, Prestige Posting And Pub ·shing LLC / Prestige efault S rvices, LLC 16801 fl-Q4-m-Koad, Suite 350 Addison, Texas 7500 I Phone: (972) 893-3096 ext. I 035 Fax: (949)427-2732 Sale Line Information: (866) 539-4173 Website: https:/ /www.serviceIink.auction.comT.S. #: 26-20831 AFTER RECORDING, PLEASE RETURN TO: Prestige Default Services, LLC 1680 I Addison Road, Suite 350 Addison, Texas 75001 Attn: Trustee Department