Doc-118204 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 *VG-705-2026-118204" Document No: 118204 Billable Pages: 1 Recorded On: July 23, 2026 01:57 PM Number of Pages: 2 NOTICE OF FORECLOSURE *****Fxamined and Charged as Follows***** Total Recording: $ 22.00 File Information: Document No: 118204 *****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: Connie Cobb, South Texas Title & Trustee Receipt No: 20260723000165 PO BOX 530493 Recorded On: July 23, 2026 01:57 PM original returned to customer Deputy Clerk: Erika Gonzalez Harlingen TX 78553 Station: CC-ED-KF1016 nln, STATE OF TEXAS SS ont Ug COUNTY OF HIDALGO ueitenng,, A aa . rae CTT) % Oi % yw N, ”" % Peace: oot ‘OE vie » “tom s i hereby certify that this Instrument was FILED in the File Number sequence on the date/time printed hereon, and was duly RECORDED in the Official Records of Hidalgo County, Texas. Arturo Guajardo Jr. County Clerk flew a Hidalgo County, Texas Doc-118204 NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: Grantor(s)/Mortgagor(s): 10/3 1/2022 DAVID GARZA AND ANA VICTORIA GARZA, HUSBAND AND WIFE Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Planet Home Lending, LLC (“MERS”) SOLELY AS A NOMINEE FOR WILLOW BEND MORTGAGE COMPANY, LLC, ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A HIDALGO Page: N/A Instrument No: 3394534 Mortgage Servicer: Mortgage Servicer’s Address: Planet Home Lending, LLC is representing the Current 321 Research Parkway, Beneficiary/Mortgagee under a servicing agreement with the Current Meriden, CT 45342 Beneficiary/Mortgagee. Earliest Time Sale Will Begin: 10:00 AM Place of Sale of Property: The Hidalgo County Administrative Building, located at 2802 S. Business Hwy 281, Edinburg, TX 78539 (outdoor covered area on the west side of the building); or if the preceding area is no longer the desi ignated area, at the area most recently designated by the County Commissioners Court OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: LOT THIRTY FIVE (35), DOS VALLES SUBDIVISION PHASE 2, AN ADDITION TO THE CITY OF ALTON, HIDALGO COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN VOLUME 46, PAGE 170, MAP RECORDS, HIDALGO COUNTY, TEXAS, REFERENCE TO WHICH IS HERE MADE FOR ALL PURPOSES. In accordance with TEX. PROP. CODE §51.0076 and the Deed of Trust referenced above, the undersigned as attorney for Mortgagee or Mortgage Servicer does hereby remove the original Trustee and all successor substitute trustees and appoints in their stead, Connie Cobb, Clyde Cobb, Constance Lewis, Sandra Mendoza, Amold Mendoza, Alexis Mendoza, Connie Cobb or Clyde Cobb or Constance Lewis or Montgomery Mediey or Julie Martin, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy & Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers and duties set aside to the said original Trustee under there said Deed of Trust; and, further, does hereby request, authorize, and instruct said Substitute Trustee to conduct and direct the execution of remedies set aside to the beneficiary therein The Substitute Trustee will sell the property by public auction to the highest bidder for cash at the place and date specified. The sale will begin at the earliest time stated above or within three (3) hours after that time. The Property will be sold “AS IS,” without any express or implied warranties, except as to warranties of title, and at the purchaser’s own risk, pursuant to the terms of TEX. PROP. CODE §51.002 and §51.009. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property. Substitute Trustee reserves the right to set further reasonable conditions for conducting the public auction. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by Substitute Trustee. 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. NOTICE PURSUANT TO TEX. PROP. CODE § 51.002(1): ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OF THE ARMED FORCES OF THE UNITED STATES, IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL 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. Dated: 7/20/2026 Dated: 07/23/2026 USE Thuy Frazier, Attorney e McCarthy & Hoithus, LLP c/o ServiceLink Auction Connie © obb 1255 West 15th Street, Suite 1060 1255 West | 5th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for Planet Home Lending, LLC htips://sales.mecarthyholthus com/ MH File Number: TX-26-131084-POS Loan Type: FHA