NOTICE OF SUBSTITUTE TRUSTEE SALE Deed ofTrust Date: Grantor( s)/ Mortgagor( s): 8/22/2023 CHRISTINE WANJIKU NGAARA AND KEVIN NELSON NGAARA, WIFE AND HUSBAND Original Beneficiary/ Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Acrisure Mortgage, LLC MERS") SOLELY AS ANOMINEE FOR JET HOMELOANS, LLC, ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A COLLIN Page: N/A Instrument No: 2023000097153 Mortgage Servicer: Mortgage Servicer' s Address: Cenlar FSB is representing the Current Beneficiary/Mortgagee undera 425 Phillips Blvd, servicing agreementwith theCurrent Beneficiary/ Mortgagee. Ewing, NJ 8618 Date of Sale: 8/4/2026 Earliest Time Sale Will Begin: 10:00 AM PlaceofSale ofProperty: Collin CountyCourthouse, 2100 Bloomdale Road, McKinney,TX 75071 ORINTHEAREADESIGNATED BY THE COMMISSIONER' S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: LOT TWENTY-ONE (21), IN BLOCK " 0", OF CAMBRIDGE CROSSING PHASE TWO, AN ADDITION TO THE CITY OF CELINA, COLLIN COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN BOOK 2022, PAGE 620, OF THE PLAT RECORDS OF COLLIN COUNTY, TEXAS. Inaccordance with TEX. PROP. CODE§ 51.0076 and the Deed ofTrust referenced above, the undersigned asattorney for Mortgagee orMortgage Servicer does hereby remove the original Trustee and all successor substitute trustees and appoints in their stead, Auction.com, LLC, Payton Hreha, Francesca Ortolani, Shelley Ortolani, Mary Mancuso, Liz Hach, Michele Hreha or Carol Dunmon, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy& Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers and duties setaside to the said-original Trustee under there said Deed ofTrust; and, further, does hereby request, authorize, and instruct said Substitute Trustee toconduct and direct the execution ofremedies setaside tothebeneficiary therein The Substitute Trustee will sell the property by public auction to the highest bidder for cash at the place and date specified. The sale will begin at the earliest time stated above orwithin three( 3) hours after thattime. TheProperty willbesold" AS IS," without anyexpressor implied warranties, except as to warranties oftitle, andatthepurchaser'sown risk,pursuant tothe terms of TEX.PROP. CODE§ 51.002and§ 51.009. Prospective biddersareadvisedtoconduct anindependent investigation ofthenature andphysicalcondition oftheProperty. Substitute Trustee reserves the right to set furtherreasonable conditions for conducting the publicauction. Any such further conditions shall be announced before biddingisopenedforthefirstsaleofthedayheldbySubstituteTrustee. TIIIS 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 OFTIIE MORTGAGEE ORMORTGAGE SERVICER. NOTICE PURSUANT TO TEX. PROP. CODE§ 51.002(I): ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OFTHE ARMED FORCES OF THE UNITED STATES. IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OFTHE TEXAS NATIONAL ORTHE NATIONAL GUARD OF ANOTHER STATE ORAS AMEMBER OF A RESERVE COMPONENT OF TIIE ARMED FORCES OF THE UNITED STATES, PLEASE SEND WRITTEN NOTICE OF THE ACTIVE DUTY MILITARY SERVICE TO THE SENDER OFTIIIS NOTICE IMMEDIATELY. I at' Dated: 5/14/2026 Dated: a& ajin 4- jj7\S9Y— Pnt'11ea-Warne: J' ILI Icu Thuy Frazier, Attorney Substitute Trustee McCarthy& Holthus, LLP doAuction.com 1255 West 15th Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano,TX 75075 Attorneys for Cenlar FSB hltps://sales.mccarthyholthus.com/ W C v iE'C? Ps.) rn • i X.'. Iri MH Filo Number: TX-26-127115-POS Loan Type: FHA