NOTICE OF SUBSTITUTE TRUSTEE SALE Deed ofTrustDate: 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'sAddress: Cenlar FSB isrepresenting the Current Beneficiary/Mortgagee undera 425 Phillips Blvd, servicing agreement with the Current Beneficiary/Mortgagee. Ewing, N708618 Date ofSale: 12/ 1/2026 Earliest Time Sale Will Begin: 10:00 AM Place ofSale ofProperty: CollinCountyCourthouse, 2100Bloomdale Road,McKinney, TX75071 ORINTHE AREADESIGNATED 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 forMortgagee orMortgage Servicerdoeshereby 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 Ilomayoun, Thuy Frazier, McCarthy& Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers and duties set aside to the said original Trustee under there said Deed ofTrust; and, further, does hereby request, authorize, and instruct said Substitute Trustee toconduct and direct theexecution ofremedies set aside tothe beneficiary 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 afterthat time. The Property will besold" AS IS," without anyexpress orimplied warranties, except as towarranties oftitle, and atthepurchaser'sown risk, pursuant tothe terms of TEX.PROP. CODE§51.002and§ 51.009.Prospectivebiddersareadvisedtoconductan independentinvestigationofthenatureandphysicalconditionoftheProperty. Substitute Trustee reserves the right to set further reasonable conditions for conducting the public auction. Any such further conditions shall be announced before biddingisopened forthefirstsaleofthedayheldbySubstituteTrustee. 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 TIIIS NOTICE IS TILE ATTORNEY OR AUTHORIZED AGENT OFTILEMORTGAGEE ORMORTGAGE SERVICER. NOTICE PURSUANT TOTEX.PROP. CODE§ 51.002(1): ASSERT AND PROTECT YOUR RIGHTS ASMEMBER OFTILEARMED FORCES OFTHE UNITED STATES. IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OFTHETEXAS NATIONAL ORTHE NATIONAL GUARD OFANOTHER STATE ORAS A MEMBER OFA RESERVE COMPONENT OF THE ARMED FORCES OF THE UNITED STATES, PLEASE SEND WRITTEN NOTICE OF THE ACTIVE DUTY MILITARY SERVICE TO THE SENDER OFTHIS NOTICE IMMEDIATELY. Dated: 9/30/2026 Dated: 26 CLI2jASeTN Printed ame: d Q- { al Attorney1 1 Thuy Frazier, SubstituteTrustee McCarthy& Holthus, LLP c/oAuetion. com 1255 West 15th Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for Cenlar FSB https://salcs.mccarthyholthus.corn/ c-) p r— ax r ^-- I ci..-t-.... • I MH File Number: TX-26- 127115- POS z t < C r-, 7 c ; Loan Type: FHAo r r• " xr f: 3