GL 21.116 MAY —7 AM 8: 29 g 197i STACEY r'N'E~ MP T.S.#: 2026-23698-TX COUNTY CLERK COLLIN COUNTY. TEXAS APPOINTMENT OF SUBSTITUTE TRUSTEE and NOTIC B E Y: O ._ F _ . U S TEnfn1'1T S Y SALE 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 ORAUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. The undersigned, inaccordance with Texas Property Code§ 51.0076, asattorney-in-factforthe Mortgagee orMortgage Servicer, hereby removes the original trustee and any and all successor substitute trustees, and appoints in their stead: Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Agency Sales and Posting LLC, Abstracts/Trustees ofTexas, LLC, Resolve Trustee Services, LLC, or any one ofthem, c/o Nestor Solutions, LLC, 214 5th Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, to hereafter exercise all powers and duties conferred upontheoriginal trusteeunderthe Deed ofTrust,andfurtherauthorizesanddirects the SubstituteTrusteetoconduct and execute the remedies provided to the beneficiary therein. 1. Date, Time,and Place ofSale. Date: 7/7/2026 Time: The earliest time the sale will begin is 10:00 AM, or within three( 3) hours after that time. Place: Collin County Courthouse, Texas, at the following location: The front steps of the Collin County Courthouse located at 2100 Bloomdale Road, McKinney, Texas 75071, or ifthe preceding area is no longerthe designated area, at the area most recently, designated by the County Commissioners Court. 2. Property To Be Sold. LOT 20 IN BLOCK U OF LAKEPOINTE PHASE IIA, AN ADDITION IN THE CITY OF LAVON,COLLIN COUNTY,TEXAS,ACCORDING TOTHEMAPORPLATTHEREOFRECORDEDINVOLUME2021, PAGE 713, AND CORRECTED IN DOCUMENT NO. 202203I6000426520 OF THE PLAT RECORDS OF COLLIN COUNTY, TEXAS. Commonly known as: 346 ROCK ACRE DRIVE LAVON, TX.75166 3. Instrument to be Foreclosed. The instrument to be foreclosed- is the Deed ofTrust dated 3/29/2023 and recorded in the office ofthe County Clerk ofCollin County, Texas, recorded on 3/29/2023 under County Clerk's File No 2023000033003, in• Book-- and Page-- in the Real Property Records ofCollin County, Texas. Grantor( s): KAECIE L. HARRELL AND DELBERT R HARRELL, WIFE AND HUSBAND Original Trustee:. Thomas E. Black Jr. Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Cardinal Financial Company, Limited Partnership, itssuccessors and assigns Current- Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage CorporationT.S.#: 2026-23698-TX 4. Terms ofSale. The sale will be conducted as apublic auction to the highest bidder forcash, subject to the provisions ofthe Deed ofTrust permitting the Mortgagee thereunder to have the bid credited to the note up to the amount ofthe unpaid debt secured by the Deed ofTrust atthe time ofsale. Pursuant to §51.009 ofthe Texas Property Code, the property will be sold in AS IS, WHERE IS" condition, without any express or implied warranties, except asto the warranties oftitle( ifany) provided forunderthe Deed ofTrust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (" purchaser") at this trustee' ssale may berequired to provide information, documentation and/orcertification as mandated by applicable federal law, and entity and trust purchasers should be prepared to provide beneficial ownership information as may be required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after 3/ 1/ 2026. If applicable, the required information must beprovided to the trustee before a trustee' s deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https:// www.fincen.gov/ rre-fags#D_5 or https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money- laundering- regulations- for-residential- real-estate-transfers. 6. Obligations Secured. The Deed ofTrust provides that itsecures the payment ofthe indebtedness and obligations described therein( collectively, the" Obligations"), including, but not limited to: ( 1) the promissory note in the original principal amount of$466,297.00, executedby,KAECIE L.HARRELL AND DELBERTR HARRELL,WIFEAND HUSBAND,andpayableto the order of Mortgage EIectronic Registration Systems, Inc., as Beneficiary, as nominee for Cardinal Financial Company, Limited Partnership, itssuccessorsandassigns;( 2) allrenewalsandextensionsofthenote;and( 3) anyandallpresentandfuture indebtedness ofthe Trustor(s) to the current holder ofthe Obligations, secured by the Deed ofTrust. Default has occurred in the payment ofthe indebtedness, and the same is now wholly due and payable. The owner and holder ofthe Obligations has requested thatthe Substitute Trustee sell the.Property tosatisfy the indebtedness. 7. Mortgage Servicer Information. The Mortgage Servicer isauthorizedtorepresent the Mortgageeby virtueofaservicing agreement with the Mortgagee. Pursuant tothe Servicing Agreement and Texas Property Code§ 51. 0025, the Mortgage Servicer is authorized to collect the debt and administer any resulting foreclosure ofthe lien securing the Property referenced above. Freedom Mortgage Corporation as Mortgage Servicer, represents the current mortgagee, whose address is: do Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037- 7939 Phone:( 855) 690-5900 Assert and protect your rights as a member ofthe armed forces ofthe United States. Ifyou are or your spouse is serving on active military duty, including active military duty as a member oftheTexas National Guard or the National Guard ofanother state oras a member ofa reserve component ofthe armed forces ofthe United States, please send written notice ofthe active- duty military service to the sender ofthis notice immediately. NESTOR SOLUTIONS, LLC, as attorney-in-factfor FREEDOM MORTGAGE CORPORATION By: Dated: . 4/30/2026 Christopher K. Baxter • Senior Vice President Texas Bar No. 90001747 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone:( 888) 403- 4115 Fax:( 888) 345- 5501 For sale information visit: https:// www.xome.com orContact( 800) 758- 8052