TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-6036 FILED 8/14/2026 2:30:09 PM Time of Sale: 1:00 p.m. The sale will begin at that time or not later than three hours the G Notice of Substitute Trustee’s Sale ugust 11, 2026 oy Trustee: Gabriel Hanna Haddad e’s Address: 5900 Balcones Drive, Suite 100, Austin, Texas, 78731 A ce Company, LLC Mortgage S: Finance Company, LLC, 9668 Westheimer Road, Suite 200-707, Houston, 3, subject to final servicing verification Note: $120,000 Pro: Joseph Bailey an dated July 31, 2023, Loan No. 23-07-00640, executed by Deed of Trust Date: July 31, 202 Grantor: Joseph Bailey and Pacia Ba Mortgagee: Virgo Finance pany, LL trust recorded under Harris County file RP- ent recorded under Harris County Recording information: Origina 2023-292346 ; Modification and Clerk's File No. RP-2026-126306 o: Property: LOT 51, IN BLOCK 2 OF TIMB SUBDIVISION IN HARRIS CO , ACCORDING TO THE MAP OR PLAT THEREOF RECORDED FILM CODE NO. 430061 OF THE MAP RECORDS OF HARRIS COUN EXAS. ECTION SEVEN, A Together with all improvements, fixtures, easements, rights, rents, and appurtenances conveyed by the Deed of Trust. Common address: 4922 Lazy Timbers Drive, Humble, Texas 77346. The street address 4 d for reference only; the legal description controls. County: Harris County, Texas Date of Sale: Tuesday, October 6, 2026 Place of Sale: Bayou City Event Center, 9401 Knight Road, Houston, Texas 77045;"4 area designated by the Harris County Commissioners Court, or at the area most recently designated by the Commissioners Court. -  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-6036 FILED 8/14/2026 2:30:09 PM Terms of Sale: Public auction to the highest bidder for cash or other immediately available funds acceptable to the Substitute Trustee; Mortgagee may bid by credit against the secured debt. The Property may be offered in one or more parcels and subject to additional reasonable conditions announced before bidding. Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving 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. THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE(S) IDENTIFI TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRU IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS N' THE ATTORNEY OR AUTHORIZED AGENT OF THE MOR MORTGAGE SERVICER. Default has occurred in payment of the Note and performance of @bligatio cured by the Deed of Trust. The recorded Modification and Extension Agreement July 29, 2026 extended maturity date. After giving effect to every pa t and credit certified in the foreclosure file, the indebtedness has matured and, to the exte tion is required, has been accelerated Notice is given that on thg Date of S ubstitute Trustee will offer the Property for sale at public auction at ace af Sale, t highest bidder for cash or cash-equivalent funds acceptable to the Substi ste t that Mortgagee may bid by credit against the secured indebtedness. Thé earliest ti sale will occur is the Time of Sale, and the sale will begin at that time t La in ours thereafter. ibject to the Deed of Trust, the recorded Modification and Extension at, prior liens and matters of record remaining in force, ad valorem taxes and tax liens, restrictions, leases, rights of occupants, redemption rights, and interests not Pilished by foreclosure. This notice offers the real property and interests constituting part of realty under applicable law. It does not constitute a separate Article 9 disposition of other personal property or establish that any separate Loan #2 is secured; any such remedy requires separate legally compliant analysis, notice, and disposition procedures. Pursuant to Texas Property Code section 51.009, the Property will be sold AS IS, WHERE _IS, and with all faults, without express or implied warranties except warranties of title, if any, required by the Deed of Trust. Prospective bidders must investigate title, priority, taxes, condition, - and occupancy, and must provide the information required by Texas Business and Commerce Code chapter 22. The Substitute Trustee may announce reasonable sale conditions before bidding begins. NOTICE OF SUBSTITUTE TRUSTEE'S SALE PAGE 2 OF 3  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-6036 FILED 8/14/2026 2:30:09 PM If Mortgagee or the Substitute Trustee passes, withdraws, or does not complete the sale, any later foreclosure setting will be separately noticed, filed, posted, and mailed for the later date as required by applicable law; this notice does not preserve a later setting. This sale will be conducted subject to the right of rescission contained in Texas Property Code section 51.016. : SUBSTITUTE TRUSTEE AND ATTORNEY / AUTHORJZED AGENT By: Name: Gabriel Hanna Haddad Title: Substitute Trustee; Attorney for Mortgagee Date: August 11, 2026 Sender’s address: Gabriel Haddad Law Firm, PLLC, 5900 Balcones Drive, Suite 100, Austin, Texas 78731; 832-319-9499; ghhaddad@ghaddadlaw.com NOTICE OF SUBSTITUTE TRUSTEE'S SALE PAGE 3 OF 3