Doc-11/674 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 *VG-705-2026-117674" Document No: 117674 Billable Pages: 2 Recorded On: June 02, 2026 11:01 AM Number of Pages: 3 NOTICE OF FORECLOSURE **#***Examined and Charged as Follows***** Total Recording: $ 22.00 File Information: *****THIS PAGE IS PART OF THE DOCUMENT***** Any provision herein which restricts the Sale, Rental, or use of the described REAL PROPERTY because of color or race is invalid and unenforceable under federal law. Record and Return To: Document No: 117674 South Texas Court Services Receipt No: 20260602000147 14345 N. Los Ebanos Rd Recorded On: June 02, 2026 11:01 AM Original returned to customer Deputy Clerk: Emmanuel Garza Mission TX 78573 Station: CH-1-CC-K31 ntti, STATE OF TEXAS Up, = COUNTY OF HIDALGO ~ ky , 4 = : . 3 { hereby certify that this Instrument was FILED in the File Number sequence on the date/time = ei 3 x = printed hereon, and was duly RECORDED in the Official Records of Hidalgo County, Texas. 24 eg HOF Arturo Guajardo Jr. 14), OF HG OWS County Clerk J , errr y Hidalgo County, Texas . Doc-117674 T.S. #: 2025-19545-TX 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, in accordance with Texas Property Code §51.0076, as attorney-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 Posting LLC, Abstracts/Trustees of Texas, LLC, Resolve Trustee Services, LLC, or any one of them, c/o Nestor Solutions, LLC, 214 5" 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 of Trust, and further authorizes and directs the Substitute Trustee to conduct and execute the remedies provided to the beneficiary therein. 1. Date, Time, and Place of Sale. 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: Hidalgo County Courthouse, Texas, at the following location: 317 N Closner, Edinburg TX 78539 THE SOUTH SIDE UNDER THE COVERED SPACE OF THE COUNTY CLERK RECORDS MANAGEMENT FACILITY (previously known as Robert's Chevrolet building), or if the 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 55, ROYAL RIDGE SUBDIVISION, AN ADDITION TO THE CITY OF SAN JUAN, HIDALGO COUNTY, TEXAS, ACCORDING TO THE PLAT OR MAP THEREOF FILED FOR RECORD ON MARCH I6, 2021, IN THE OFFICE OF THE COUNTY CLERK OF HIDALGO COUNTY, TEXAS, UNDER CLERK'S FILE NO. 3202611. Commonly known as: 404 ROYAL DR SAN JUAN, TX 78589 3. Instrument to be Foreclosed. The instrument to be foreclosed is the Deed of Trust dated 6/16/2022 and recorded in the office of the County Clerk of Hidalgo County, Texas, recorded on 6/17/2022 under County Clerk’s File No 3353236, in Book -- and Page -- , along with Correction Instrument recorded on 3/24/2026 in Instrument No. 3736098 in the Real Property Records of Hidalgo County, Texas. Grantor(s): KAYLA GARCES, AN UNMARRIED WOMAN Original Trustee: THOMAS E BLACK JR. Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for LOAN SIMPLE, INC., its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation Doc-11/674 TS. #: 2025-19545-TX 4. Terms of Sale. The sale will be conducted as a public auction to the highest bidder for cash, subject to the provisions of the Deed of Trust permitting the Mortgagee thereunder to have the bid credited to the note up to the amount of the unpaid debt secured by the Deed of Trust at the time of sale. Pursuant to §51.009 of the 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 of title (if any) provided for under the Deed of Trust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (“purchaser”) at this trustee’s sale may be required to provide information, documentation and/or certification 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 be provided 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-faqs#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 of Trust provides that it secures the payment of the indebtedness and obligations described therein (collectively, the “Obligations”), including, but not limited to: (1) the promissory note in the original principal amount of $271,982.00, executed by KAYLA GARCES, AN UNMARRIED WOMAN, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for LOAN SIMPLE, INC., its successors and assigns; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness of the Trustor(s) to the current holder of the Obligations, secured by the Deed of Trust. Default has occurred in the payment of the indebtedness, and the same is now wholly due and payable. The owner and holder of the Obligations has requested that the Substitute Trustee sell the Property to satisfy the indebtedness. 7. Mortgage Servicer Information. The Mortgage Servicer is authorized to represent the Mortgagee by virtue of a servicing agreement with the Mortgagee. Pursuant to the Servicing Agreement and Texas Property Code §51.0025, the Mortgage Servicer is authorized to collect the debt and administer any resulting foreclosure of the 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 Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is servin on active military duty, including active military duty as a member of the Texas National Guard 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. NESTOR SOLUTIONS, LLC, as attorney-in-fact for FREEDOM MORTGAGE CORPORATION ra (a Dated: 5/27/2026 Christopher K. Baxter Senior Vice President Texas Bar No. 90001747 214 Sth Street, Suite 205 Huntington Beach, California 92648 Phone: (888) 403-4115 Fax: (888) 345-5501 For sale information visit: https://www.xome.com or Contact (800) 758-8052