FILED FILED 2026MAR -5PMI: 07 2026MAR -5PMI: 07 STACEY KEMP STACEY KEMP COUNTY CLERK COUNTY CLERK NOTICE OAM % TRUSTEE' SSALFOLLLIN COUNTY. TEXAS y:IV.( FPUTY T.S.#:2025-13186- TX Assertandprotectyourrightsasamember ofthearmedforcesoftheUnitedStates.Ifyouareoryourspouse isserving onactivemilitary duty.including activemilitary dutyasamember oftheTexasNational Guard or theNational Guardofanother stateorasamember ofareservecomponent ofthearmedforcesoftheUnited States.pleasesendwrittennoticeoftheactive-dutymilitary servicetothesenderofthisnoticeimmediately. Date.Time.andPlaceofSale-Thesaleisscheduled tobeheldatthefollowing date,timeandplace: Date: 4/7/2026 Time: Theearliest timethesalewillbeginis10:00AM,orwithin three(3)hoursafter thattime. Place: CollinCountyCourthouse, Texas,atthefollowing location: Thefrontstepsofthe CollinCountyCourthouse locatedat2100Bloomdale Road, McKinney, Texas 7JU/1 Orifthepreceding areaisnolongerthedesignated area,attheareamostrecently designated bytheCountyCommissioners Court,pursuanttosection51.002ofthe TexasProperty Code. Property ToBeSold-Theproperty tobesoldisdescribed asfollows: BeingLot14,MurrayManorEstates,anadditiontotheCityofJosephine, CollinCounty,Texas,according totheplat thereofrecordedinBook2022,Page834andClerk'sFileNo.2022010000503, PlatRecords,CollinCounty,Texas. Commonly knownas: 310PENNINGTON ROADJOSEPHINE, TX75173 Instrument tobeForeclosed— Theinstrument tobeforeclosed istheDeedofTrustdated5/20/2024andrecorded in theofficeoftheCountyClerkofCollinCounty, Texas, recordedon5/21/2024underCountyClerk'sFileNo 2024000060910, inBook-- andPage-- oftheRealPropertyRecordsofCollinCounty,Texas. Grantor( s): Justin Smith Original Trustee: Michael Riddle Substitute Trustee: Nestor Solutions, LLC,Auction. com, LLC,XomeInc.,TejasCorporate Services, LLC,NFPDS-TXLLC,AgencySalesandPostingLLC, Abstracts/ Trustees ofTexas, LLC,Resolve Trustee Services, LLC Original Mortgagee: Mortgage Electronic Registration Systems, Inc.,asBeneficiary, asnominee forSierraPacificMortgage Company, Inc.,ACalifornia Corporation, its successors andassigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation TheMortgage Servicer isauthorized torepresent theMortgagee byvirtueofaservicing agreement withthe Mortgagee. Pursuant totheServicingAgreement andTexasPropertyCode § 51.0025, theMortgage Servicer isT.S.#:2025-13186- TX authorized tocollectthedebtandtoadminister anyresultingforeclosure ofthereferenced propertysecuringtheabove referenced loan. TermsofSale-Thesalewillbeconducted asapublicauctiontothehighestbidderforcash,subjecttothe provisions ofthedeedoftrustpermitting themortgagee thereunder tohavethebidcreditedtothenoteuptothe amountoftheunpaiddebtsecuredbythedeedoftrustatthetimeofsale. Thosedesiringtopurchasethepropertywillneedtodemonstrate theirabilitytopaycashonthedaythepropertyis sold. Thesalewillbemadeexpressly subjecttoanytitlematterssetforthinthedeedoftrust,butprospective biddersare reminded thatbylawthesalewillnecessarily bemadesubjecttoallpriormattersofrecordaffecting theproperty, if any,totheextentthattheyremaininforceandeffectandhavenotbeensubordinated tothedeedoftrust. Prospective biddersarestrongly urgedtoexamine theapplicable property recordstodetermine thenatureandextentofsuch matters,ifany. Pursuant totheDeedofTrust, themortgagee hastherighttodirecttheTrusteetoselltheproperty inoneormore parcelsand/ortosellalloronlypartoftheproperty. Pursuant tosection51.009oftheTexasProperty Code, the property willbesoldin "asis, whereis" condition, withoutanyexpressorimpliedwarranties, exceptastothe warranties oftitle (ifanvlnrnvirter, fnr ,in(lertheriper, oftn,ctPrer,ertivehinders ere ,rh,ker, tornnt,w;tan independent investigation ofthenatureandphysicalcondition oftheproperty. Pursuanttosection51.0075ofthe TexasPropertyCode, thetrusteereservestherighttosetfurtherreasonable conditions forconducting thesale. Any suchfurtherconditions shallbeannounced beforebiddingisopenedforthefirstsaleofthedayheldbythetrusteeor anysubstitute trustee. NoticetoBidders- PleasebeadvisedthattheTrusteemayrequireentityortrustbiddersatthistrustee'ssaletoprovide information, documentation and/orcertification ofthevestinginstructions andthedatarequired tobereported pursuant toFinCEN regulations effective fortransfers ofresidential realproperty tocoveredtransferees onorafter March1, 2026. Therequired information mustbeprovided tothetrusteebeforeatrustee'sdeeduponsalewillbe issuedforcoveredtransfers. Thesefederalregulations willrequirereporting ifatrustee'sdeedisissuedonorafter March1,2026, eveniftheforeclosure saleisconducted priortoMarch1, 2026. Additional information regarding these regulations and therequired transferee information and certifications canbefound at https://www.federalregister. gov/documents/2024/08/29/2024-19198/anti-money-laundering- regulations-for- residential- real-estate-transfers andhttps://www.fincen.gov/rre-fags#D_5. Obligations Secured - Thedeedoftrustprovides thatitsecuresthepayment oftheindebtedness andobligations dcsciibeu( rullccuvely the"Obligations") including byriotlimitedto(i)thepromissory noteintheoriginal principal amountofS353,380.00, executed byJustinSmith, andpayabletotheorderofMortgage Electronic Registration Systems, Inc., asBeneficiary, asnomineeforSierraPacificMortgage Company, Inc., ACalifornia Corporation, itssuccessors andassigns; ( 2)allrenewals andextensions ofthenote;and (3)anyandallpresentand futureindebtedness ofTrustor( s)tothecurrentholderoftheObligations tothemortgagee underthedeedoftrust. Thesalewillbemade, butwithoutcovenant orwarranty, expressed orimplied, regarding title, possession, or encumbrances, topaytheremaining principalsumofthenote(s)securedbytheDeedofTrust,withinterestandlate chargesthereon, asprovidedinthenote(s), advances, underthetermsoftheDeedofTrust, interestthereon, fees, chargesandexpensesoftheTrusteeforthetotalamount(atthetimeoftheinitialpublication oftheNoticeofSale) reasonably estimated tobesetforthbelow. Theamountmaybegreateronthedayofsale. Questions concerning thesalemaybedirectedtotheundersigned ortotheMortgagee: Freedom Mortgage Corporation 11988 EXIT5PKWY BLDG 4 FISHERS IN46037- 7939 Phone:( 855)690-5900T.S.#:2025-13186- TX Default andRequest toAct-Default hasoccurred underthedeedoftrust,andthemortgagee hasrequested me,as Trustee,toconductthissale. Noticeisgiventhatbeforethesalethemortgagee mayappointanotherpersonsubstitute trustee toconduct thesale. Dated: 3/5/26NestorSolutions, LLC,Auction. com,LLC,XomeInc.,TejasCorporate Services, LLC,NFPDS-TXLLC,AgencySalesandPostingLLC, Abstracts/ Trustees ofTexas,LLC, Resolve Trustee Services, LLC 3orrL c/oNestor : 4I s,LLC 2145thStreet, Suite205 Huntington Beach, California 92648 Phone: ( 888)403-4115 Fax: (888)345-5501 Forsaleinformation visit:https://www.xome.comorContact( 800)758-8052. SENDER OFTHISNOTICE: AFTER FILING, PLEASE RETURN TO: Nestor Solutions, LLC 2145thStreet, Suite205 Huntington Beach, California 92648