C&M No. 44-26-02592/ FILE NOS FILED Ene oc. FILED FOR RECORD onnins, NOTICE OF TRUSTEE'S SALE AND APPOINTMENT OF SUBSTITUTES TRUSTEE 2026 JUN 1S PM 12:07 Assert and protect your rights as a member of the armed forces of the United-States. If you i i i ili i i ve military ) yas 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 mili: 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 December 11, 2024 and recorded under Clerk's File No. 20240000022046, in the real property records of ROCKWALL County Texas, with Vivekananda Rao Sutrave and Nagini Dowlagar, Husband and Wife as Grantor(s) and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Highland Homeloans, LLC, its successors and assigns as Original Mortgagee. Deed of Trust executed by Pees teosite nd rercupiesir mee and Wife securing payment of the indebtedness in the original principal amount of $609,523.00 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 Vivekananda Rao Sutrave. PHH Asset Services LLC is the current mortgagee (the “Mortgagee”) of the Note and Deed of Trust 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. Onity Mortgage Corporation is acting as the Mortgage Servicer for the Mortgagee. Onity Mortgage Corporation, is representing the Mortgagee, whose address is: 1 Mortgage Way, Mount Laurel, NJ 08054. Legal Description: LOT 10, IN BLOCK K, OF QUAIL HOLLOW PHASE I, A SUBDIVIDION TO THE CITY OF ROCKWALL, ROCKWALL COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED UNDER COUNTY CLERK'S FILE NO. 20240000003859, OF THE OFFICIAL PUBLIC RECORDS OF ROCKWALL COUNTY, TEXAS, SALE INFORMATION Location of Sale: The place of the sale shall be: ROCKWALL County Courthouse, Texas at the following location: The area immediately outside on the front steps of the Rockwall County Courthouse, located at 11 Yelowaset Lane in Rockwall, Rockwall County, Texas, or if the preceding area is no longer the designated area, at the area mo: tly designated by the County Commissioner's Court TERMS OF SALE A default has occurred in the payment of said 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 of said Deed of Trust. The Sale will be conducted as a public 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 of the Texas Property Code, the Property will be sold in “AS IS,” | ate MON 48777. ROCKWALL 26  “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. The sale will begin at the earliest time stated above, or within three (3) hours after that time. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee'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 Jeff Benton, Brandy Bacon, Jack Beckman, Brenda Wiggs, Guy Wiggs, David Stockman, Donna Stockman, Janet Pinder, Michelle Schwartz, Jamie Dworsky, Angela Brown, Leslie Shuler, Auction.com, LLC, or Codilis & Moody, P.C., as Substitute Trustee. The address for the Substitute Trustee for purposes of Section 51.0075(e) of the Texas Property Code is: Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Executed on 06/11/2026. /s/ Isaac Lewis SBOT No. 24144831 , Attorney at Law Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Posted and filed by: Donna Tredemrarn Printed Name: Donna Stockman C&M No. 44-26-02592