Doc-117886 Document No: 117886 Billable Pages: 1 Recorded On: June 16, 2026 01:49 PM Number of Pages: 2 NOTICE OF FORECLOSURE *****Examined and Charged as Follows***** Total Recording: $ 22.00 *****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. File Information: Record and Return To: Document No: 117886 Connie Cobb, South Texas Title & Trustee Receipt No: 20260616000202 PO BOX 530493 Recorded On: June 16, 2026 01:49 PM original returned to customer Deputy Clerk: Elisa Castillo Harlingen TX 78553 Station: CH-1-CC-K32 ttllinny, STATE OF TEXAS COUNTY OF HIDALGO % MONTY C0, een. yw 1, ", \) aueeltedyy, 900 iss TH - * yy | 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. Oy. me Arturo Guajardo Jr. 24, OF FiOS County Clerk V7: P “HW Y Hidalgo County, Texas “Ss “Ny, Doc-1178386 NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: 9/26/2019 Grantor(s)/Mortgagor(s): CARLOS GARZA JR AND BIANCA NICOLLE MORALEZ, HUSBAND AND WIFE Current Beneficiary/Mortgagce: Fay Servicing, LLC Original Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) SOLELY AS A NOMINEE FOR WILLOW BEND MORTGAGE COMPANY, LLC ITS SUCCESSORS AND ASSIGN Recorded in: Property County: Volume: N/A HIDALGO Page: N/A Instrument No: 3447010 Mortgage Servicer: Fay Servicing, LLC is representing the Current Beneficiary/Mortgagee under a servicing agreement with the Current Beneficiary/Mortgagec. Farmers Branch, TX 75234 Date of Sale: 8/4/2026 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 IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. S Mortgage Servicer’s Address: 1601 LBJ Freeway, Legal Description: LOT 30, NORTHWEST MANOR SUBDIVISION, AN ADDITION TO THE CITY OF MCALLEN, HIDALGO COUNTY, TEXAS, AS PER MAP OR PLAT THEREOF RECORDED IN VOLUME 39, PAGE 69, MAP RECORDS, HIDALGO COUNTY, TEXAS. 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 or Clyde Cobb or Constance Lewis or Montgomery Medley 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 ume 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: 6/11/2026 Dated. 06/16/2026 USO Thuy Frazier, Attorney McCarthy & Holthus, LLP c/o Tejas Trustee 1255 West 1Sth Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano. TX 75075 Attomeys for Fay Servicing, LLC hups-//sales mecarthyholthus.com/ MH File Number: TX-26-129980-POS Loan Type: FHA