C •' F 2026 MAY - 7 AM 8: 28 aVS ( STACEY KEMP p T.S.#: 2026 zs7aa- rx COLLINUCOYNTYERK TEXAS BY IlEP 1TY APPOINTMENT OF SUBSTITUTE TRUSTEE and NOTICE OF TRUSTEE' S 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 OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. The undersigned, inaccordance with Texas Property Code§ 51.0076, asattorney- in-fact for the Mortgagee or Mortgage 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 PostingLLC, Abstracts/Trustees ofTexas, LLC, Resolve Trustee Services, LLC, or any one ofthem, do Nestor Solutions, LLC, 214 5th Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, to hereafter exercise all powers and duties conferred upon the original trustee under the Deed ofTrust, and further authorizes and directs the Substitute Trustee to conduct and execute the remedies provided to the beneficiary therein. 1. Date,Time,and Place ofSale. Date: 7/7/2026 Time: The earliest time thesale will begin is 10:00 AM,orwithin three( 3) hours after that time. Place: Collin County Courthouse, Texas, at the following location: The front steps ofthe Collin County Courthouse located at 2100 Bloomdale Road, McKinney, Texas 75071, or ifthe preceding area is no longer the designated area, at the area most recently designated by the County Commissioners Court. 2. Property To Be Sold. LOT 8, BLOCK B, OF ANNA CROSSING PHASE 1C, AN ADDITION TO THE CITY OF ANNA, COLLIN COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN DOCUMENT NO. 20220211010000480 OF THE OFFICIAL PUBLIC RECORDS OF COLLIN COUNTY, TEXAS, AND IN CABINET 2022, SLIDES 78-80 OF THE PLAT RECORDS OF COLLIN COUNTY, TEXAS. Commonly known as: 400 PENN ST., ANNA, TX 75409 3. Instrument to be Foreclosed. The instrument to be foreclosed is the Deed ofTrust dated 12/29/2022 and recorded in the office ofthe County Clerk ofCollin County, Texas, recorded on 1/4/2023 under County Clerk's File No 2023000000707, in Book— and Page— Along with Correction Instrument recorded on 10/30/2023, in Instrument No. 2023000125016 in the Real Property Records ofCollin County, Texas. Grantor( s): FRANK ALIKA BALINGIT and RUTH WARD, HUSBAND AND WIFE Original Trustee: Sandler Law Group Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for NFM, Inc. dba NFM Lending, its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage CorporationT.S.#: 2026-23744-TX 4. Terms ofSale. Thesalewill beconducted asa public auction tothehighest bidder forcash, subjecttothe 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 at the 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 as to the warranties oftitle( ifany) provided for underthe Deed ofTrust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (" purchaser") at this trustee' ssale may be required to provide information, documentation and/or certification asmandated by applicable federal law, and entity and trustpurchasers should be prepared to provide beneficial ownership information asmay 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 be provided to the trustee before atrustee' 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-faqs# D_5 or https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money- laundering- regulations- for-residential- real-estate- transfers. 6. ObligationsSecured. TheDeedofTrustprovidesthatitsecuresthepaymentoftheindebtedness andobligationsdescribed therein( collectively, the" Obligations"), including, butnot limited to:( I) the promissory note in the original principal amount ofS344,490.00, executed by FRANK ALIKA BALINGIT and RUTH WARD; HUSBAND AND WIFE, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for NFM,•Inc. dba NFM Lending, its successors and assigns;( 2) all renewals and extensions ofthe note; and( 3) any and all present and future 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 that the Substitute Trustee sell the Property to satisfy the indebtedness. 7. MortgageServicerInformation. TheMortgage Servicer isauthorizedtorepresentthe Mortgageebyvirtueofaservicing agreement with the Mortgagee. Pursuanttothe Servicing Agreement andTexas Property Code§ 51.0025.,theMortgage 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: c/o Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939 Phone:( 855) 690-5900 Assertand protect your rights asamemberofthearmed forces ofthe United States. Ifyou areoryourspouseisserving on active military duty, including active military duty as a member ofthe•Texas National Guard or the National Guard of another state or as 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,asattorney-in-fact for FREEDOM MORTGAGE CORPORATION tir. 4 0,1 0, By: Dated: 4/29/2026 Christopher K. Baxter Senior Vice President Texas Bar No. 90001747 2145th Street, Suite 205 Huntington Beach. California 92648 Phone:( 888) 403- 4115 Fax:( 888) 345- 5501 For sale information visit: https:// www.xome.coni orContact( 800) 758- 8052