START OF PAGE: 107 DOCH 0048 FOSTED 08/06/2026 122:41FM so: CE TDIe AIRN PREVITI NOTICE OF SUBSTITUTE TRUSTEE SALE L. BRANDON STEINMANN, COUNTY CLERK Deed of Trust Date: Grantor(s)/Mortgagor{yOUnERY COUNTY, TEXAS 12/4/2020 DAVID RAMIREZ GARCIA AND CARMEN R, RAMIREZ, HUSBAND AND WIFE Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS. INC. U.S. BANK NATIONAL ASSOCIATION (‘MERS”) SOLELY AS A NOMINEE FOR K. HOVNANIAN AMERICAN MORTGAGE, LLC, ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A MONTGOMERY Page: N/A Instrument No: 2020142462 Mortgage Servicer: Mortgage Servicer’s Address: U.S. Bank National Association is representing the Current 2800 Tamarack Rd.. Beneficiary/Mortgagee under a servicing agreement with the Current Owensboro, KY 42301 Beneficiary/Mortgagee. Date of Sale: 10/6/2026 | Earliest Time Sale Will Begin: 10:00 AM Place of Sale of Property: Montgomery County Courthouse. On the steps at 301 N. Main. Conroe, TX 77301 OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Lega! Description: LOT 11, BLOCK 2 OF GLEN OAKS, SECTION 3. A SUBDIVISION IN MONTGOMERY COUNTY, TEXAS ACCORDING TO THE MAP OR PLAT DOCUMENT #2020027070 THEREOF RECORDED IN CABINET Z, SHEETS 6341-6344 OF THE MAP RECORDS OF MONTGOMERY COUNTY, TEXAS In accordance with TEX. PROP. CODE §51.0076 and the Deed of Trust referenced above, the undersigned as attorney for Mortgagee or Mortgage Servicer does hereby remove the original Trustee and all successor substitute trustees and appoints in their stead, Auction.com. LLC. Patricia Poston, Chris Poston or Amar Sood, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy & Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers and duties set aside to the said originat Trustee under there said Deed of Trust: and. further, does hereby request, authorize. and instruct said Substitute Trustee to conduct and direct the execution of remedies set aside to the 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 or within three (3) hours after that time. The Property will be sold “AS IS,” without any express or implied warranties, except as to warranties of title, and at the purchaser’s own risk, pursuant to the terms of TEX. PROP. CODE §51.002 and $51.009. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property Substitute Trustee reserves the right to set further reasonable conditions for conducting the public auction, Any such further conditions shall be announced before bidding is opened for the first sale of the day held by Substitute Trustee. 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. NOTICE PURSUANT TO TEX. PROP. CODE § 51.002(1): ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL 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. Dated: 8/4/2026 Dated: August 6, 2026 Chris Poston Printed Name Thuy Frazier, Attorney Substitute Trustee McCarthy & Holthus, LLP c/o Auction.com 1255 West [5th Street. Suite 1060 1255 West ! Sth Street. Suite 1060 Plano. TX 75075 Plano. TX 75075 Attomeys for U.S. Bank National Association hups.. sales mecarthy hulthus.com MH File Number: TX-26-126401-POS Loan Type: FHA