PIIPr) 2026MAR12AM8: 11 COUNTY CLERK COLLINCOUNTY. TEXAS BY: OD DEPUTY NOTICE OFSUBSTITUTE TRUSTEE' SSALE T.S.it:2025-13492-TX AssertandprotectyourrightsasamemberofthearmedforcesoftheUnitedStates.Ifyouareoryourspouse isservingonactivemilitaryduty,includingactivemilitarydutyasamemberoftheTexasNationalGuardor theNationalGuardofanotherstateorasamemberofareservecomponent ofthearmedforcesoftheUnited States,pleasesendwrittennoticeoftheactive-dutymilitaryservicetothesenderofthisnoticeimmediately. Date,Time,andPlaceofSale-Thesaleisscheduledtobeheldatthefollowingdate,timeandplace: Date: 4/7/2026 Time: Theearliesttimethesalewillbeginis10:00AM,orwithinthree(3)hoursafter thattime. Place: CollinCountyCourthouse,Texas,atthefollowinglocation:Thefrontstepsofthe CollinCountyCourthouse locatedat2100BloomdaleRoad, McKinney, Texas 75071 Oriftheprecedingareaisnolongerthedesignated area,attheareamostrecently designatedbytheCountyCommissioners Court,pursuanttosection51.002ofthe TexasProperty Code. PropertyToBeSold-Thepropertytobesoldisdescribedasfollows: Lot16inBlock1oftheCloistersNo. 5,anadditiontoCityofPlano, CollinCounty,Texas, accordingtothePlat thereofrecordedinVolume8,Page50,MapRecords,CollinCounty,Texas. Commonly knownas:3317LYNBROOK DRPLANO,TX75075 Instrument tobeForeclosed— TheinstrumenttobeforeclosedistheDeedofTrustdated4/29/2020andrecordedin theofficeoftheCountyClerkofCollinCounty, Texas, recordedon5/5/2020underCountyClerk'sFileNo 20200505000650740, inBook-- andPage-- Alongwithcorrectioninstrumentrecordedon5/13/2020ininstrument no.20200513000696500 oftheRealPropertyRecordsofCollinCounty,Texas. Grantor( s): PENNYANNCUMMINGS, ANUNMARRIED PERSON Original Trustee: BLACK, MANN& GRAHAM, L.L.P. Substitute Trustee: NestorSolutions, LLC,Auction.com,LLC,XomeInc.,TejasCorporate Services,LLC,NFPDS-TXLLC,AgencySalesandPostingLLC, Abstracts/TrusteesofTexas,LLC,ResolveTrusteeServices,LLC Original Mortgagee: Mortgage Electronic Registration Systems,Inc.,asBeneficiary, as nomineeforALTERNATIVE OPTIONS MTG.,INCDBADALLAS MTG.ASSOC., itssuccessors andassigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation TheMortgageServicerisauthorizedtorepresenttheMortgageebyvirtueofaservicingagreementwiththe Mortgagee. Pursuant totheServicingAgreement andTexasProperty Code § 51.0025, theMortgage Servicer isT.S.#:2025-13492-TX authorizedtocollectthedebtandtoadministeranyresultingforeclosureofthereferencedpropertysecuringtheabove referenced loan. TermsofSale-Thesalewillbeconductedasapublicauctiontothehighestbidderforcash,subjecttotheprovisions ofthedeedoftrustpermittingthemortgageethereundertohavethebidcreditedtothenoteuptotheamountofthe unpaiddebtsecuredbythedeedoftrustatthetimeofsale. Thosedesiringtopurchasethepropertywillneedtodemonstratetheirabilitytopaycashonthedaythepropertyis sold. Thesalewillbemadeexpresslysubjecttoanytitlematterssetforthinthedeedoftrust,butprospectivebiddersare remindedthatbylawthesalewillnecessarilybemadesubjecttoallpriormattersofrecordaffectingtheproperty,if any,totheextentthattheyremaininforceandeffectandhavenotbeensubordinatedtothedeedoftrust. Prospectivebiddersarestronglyurgedtoexaminetheapplicablepropertyrecordstodeterminethenatureandextentofsuch matters,ifany. PursuanttotheDeedofTrust,themortgageehastherighttodirecttheTrusteetosellthepropertyinoneormore parcelsand/ortosellalloronlypartoftheproperty. Pursuanttosection51.009oftheTexasPropertyCode, thepropertywillbesoldin "asis, whereis" condition, withoutanyexpressorimpliedwarranties, exceptastothe warrantiesoftitle (ifany) providedforunderthedeedoftrust. Prospectivebiddersareadvisedtoconductan independentinvestigation ofthenatureandphysicalconditionoftheproperty. Pursuanttosection51.0075ofthe TexasPropertyCode,thetrusteereservestherighttosetfurtherreasonableconditionsforconductingthesale. Any suchfurtherconditionsshallbeannouncedbeforebiddingisopenedforthefirstsaleofthedayheldbythetrusteeor anysubstitute trustee. NoticetoBidders-PleasebeadvisedthattheTrusteemayrequireentityortrustbiddersatthistrustee'ssaletoprovide information, documentation and/orcertificationofthevestinginstructionsandthedatarequiredtobereported pursuanttoFinCENregulationseffectivefortransfersofresidentialrealpropertytocoveredtransfereesonorafterMarch1, 2026.Therequiredinformationmustbeprovidedtothetrusteebeforeatrustee'sdeeduponsalewillbe issuedforcoveredtransfers.Thesefederalregulationswillrequirereportingifatrustee'sdeedisissuedonorafter March1,2026, eveniftheforeclosuresaleisconductedpriortoMarch1, 2026. Additionalinformation 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-transfersandhttps://www.flncen.gov/rre-fags#D_5. Obligations Secured - Thedeedoftrustprovidesthatitsecuresthepaymentoftheindebtedness andobligations therein described( collectivelythe"Obligations") includingbynotlimitedto(1)thepromissorynoteintheoriginal principalamountof $323,100.00, executedbyPENNYANNCUMMINGS, ANUNMARRIED PERSON, and payabletothe order ofMortgage Electronic Registration Systems, Inc., asBeneficiary, asnominee for ALTERNATIVE OPTIONSMTG.,INCDBADALLASMTG.ASSOC.,itssuccessorsandassigns;(2)allrenewals andextensionsofthenote; and(3) anyandallpresentandfutureindebtednessofTrustor(s)tothecurrentholderof theObligations tothemortgagee underthedeedoftrust. Thesalewillbemade, butwithoutcovenantorwarranty, expressedorimplied, regardingtitle, possession, or encumbrances, topaytheremainingprincipalsumofthenote(s)securedbytheDeedofTrust,withinterestandlate chargesthereon, asprovidedinthenote(s), advances, underthetermsoftheDeedofTrust, interestthereon, fees, chargesandexpensesoftheTrusteeforthetotalamount(atthetimeoftheinitialpublicationoftheNoticeofSale) reasonablyestimatedtobesetforthbelow. Theamountmaybegreateronthedayofsale. QuestionsconcerningthesalemaybedirectedtotheundersignedortotheMortgagee: Freedom Mortgage Corporation 11988EXIT5PKWYBLDG4 FISHERS IN46037-7939 Phone:( 855)690-59004 T.S.#:2025-13492- TX DefaultandRequesttoAct-Defaulthasoccurredunderthedeedoftrust,andthemortgagee hasrequestedme,as Trustee,toconductthissale. Noticeisgiventhatbeforethesalethemortgagee mayappointanotherpersonsubstitute trustee toconduct thesale. Dated:03/12/26NestorSolutions, LLC,Auction.com,LLC,XomeInc.,TejasCorporate Services,LLC,NFPDS-TXLLC,AgencySalesandPostingLLC, Abstracts/ Trustees ofTexas,LLC,ResolveTrusteeServices, LLC c/oNestorSoluti.,l 2145thStreet,Suto205 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