Doc# 20260400221 03/05/2026 01:37 PM Page 1 of 6 Lucy Adame-Cliark, Bexar County Clerk 0 NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on September 25, 2010, a certain Deed of Trust was executed by Herlinda F. Valdez as mortgagors (grantors) in favor of WELLS FARGO BANK, N.A. (grantee), and was recorded on October I, 2010, in Book 14667 at Page 428 Instrument number 20100177248 in the Office of the Recorder, Bexar County Texas; and WHEREAS the Deed of Trust was insured by the 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 Deed of Trust is now owned by the Secretary, pursuant to an assignment dated October 11,2018, and recorded on October 11, 2018, in/as Instrument number 20180201 564, in the Office of the Recorder, Bexar County, Texas; and WHEREAS a default has been made in the covenants and conditions of the Mortgage as the Borrower died and the Property is not the principal residence of at least one surviving borrower. To date, the default remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS the entire amount delinquent as of February 18, 2026 is $105,557.23; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable. NOW THEREFORE, pursuant to powers vested in me by the Single Family 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 July 30, 2025, in Instrument Number 20250730000292 notice is hereby given that, on April 07, 2026 at 10am local time, all real and 25-013365  Doc# 20260400221 03/05/2026 01:37 PM Page 2 of 6 Lucy Adame-Clark, Bexar County Clerk personal property at or used in connection with the following described premises ("Property"), will be sold at public auction to the highest bidder(s): See attached legal description. Commonly known as: 242 DURANT ST SAN ANTONIO, TX 78237 Permanent Parcel Number(s): 430213 Sale will be held in the area located outside on the west side of the Bexar County Courthouse (100 Dolorosa, San Antonio, Texas 78205), which is near the intersection of East Nueva Street and the closed portion of South Main Avenue, San Antonio, Texas or as designated by the County Commissioners Office. The Secretary of Housing and Urban Development will bid $109,904.05 plus any additional accrual, fees, costs, or charges incurred by the Secretary up to the date of sale. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser(s) will pay, at or before closing, his (their) pro-rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders, except the Secretary, must submit a deposit totaling $10,990.41 in the form of a certified check or cashier's check made out to the Secretary of Housing and Urban Development. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $10,990.41 must be presented before the bidding is closed. The deposit is non- refundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder(s) 25-013365  Doc# 20260400221 03/05/2026 01:37 PM Page 3 of 6 Lucy Adame-Clark, Bexar County Clerk will pay all conveyancing fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidder(s) will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500, paid in advance. The extension fee shall be paid in the form of a certified or cashier's check made payable to the United States Secretary of Housing and Urban Development. If the high bidder(s) close(s) the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due at closing. If the high bidder(s) is/are unable to close the sale within the required period, or within any extensions 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 the Secretary for any costs incurred as a result of such failure, and the Commissioner may, at the direction of the HUD Field Office 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 25-013365  Doc# 20260400221 03/05/2026 01:37 PM Page 4 of 6 Lucy Adame-Clark, Bexar County Clerk 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 United States Secretary of Housing and Urban Development, before public auction of the property is completed. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is April 07, 2026, as of $109,904.05, 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 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 25-013365  Doc# 20260400221 03/05/2026 01:37 PM Page 5 of 6 Lucy Adame-Cliark, Bexar County Clerk Date: Macn 1 Uw Foreclosuxe Commissioner Justily Ritchie, Esq. on behalf of JAMES E. ALBERTELLI, P.A. HUD Foreclosure Commissioner 6565 N MacArthur Blvd, Suite 470 Irving, TX 75039 Phone: 469-804-8457 Fax: 469-804-8462 jritchie@albertellilaw.com STATE OF FLORIDA ) ) SS: COUNTY OF HILLSBOROUGH _) SWORN TO BEFORE ME, and subscribed in my presence by Justin Ritchie, Foreclosure Commissioner, this day of Magn - 2026. Cole. Notary Public State of Florida . @talina Tarazona Notary Public mitten My Commission HH 436537 Expires 6/22/2027 This Instrument prepared by: Justin Ritchie, Esq. 6565 N MacArthur Blvd, Suite 470 Irving, TX 75039 Firm # 25-013365 25-013365  Doc# 20260400221 03/05/2026 01:37 PM Page 6 of 6 Lucy Adame-Clark, Bexar County Clerk 25-013365 LEGAL DESCRIPTION LOTS SIX (6) AND SEVEN (7), BLOCK NINETEEN (19), NEW CITY BLOCK 8994, WEST LAUREL HEIGHTS ADDITION, CITY OF SAN ANTONIO, BEXAR COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN VOLUME 368, PAGE46, DEED AND PLAT RECORDS, BEXAR COUNTY, TEXAS. FILE INFORMATION Document Number: 20260400221 Date/Time: 3158/2026 1:37:53 PM | Pages: Heb INTHE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME— CLARK BEXAR COUNTY CLERK Total Fees: $2.00