2026 APR 16 AMI0: 53 YO(Sels TS. #: 2025-20205-TX JENNIFER FOGG ne COUNTY CLERK APPOINTMENT OF SUBSTITUTE TRUSTEE and NOACE OF TRUSTER'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: 6/2/2026 Time: The earliest time the sale will begin is 12:00 PM, or within three (3) hours after that time. Place: Rockwall County Courthouse, Texas, at the following location: 1111 East Yellow Jacket Lane, Rockwall, TX 75087 THE AREA IMMEDIATELY OUTSIDE ON THE FRONT STEPS OF THE ROCKWALL COUNTY COURTHOUSE, LOCATED AT 1111 YELLOWJACKET LANE, IN ROCKWALL, ROCKWALL COUNTY, TX, 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 9, BLOCK 2, WOODLAKE SUBDIVISION SEC I, AN ADDITION TO THE CITY OF ROWLETT, ROCKWALL COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT RECORDED IN CABINET A, SLIDE 361, PLAT RECORDS OF ROCKWALL COUNTY, TEXAS. Commonly known as: 5202 VAGAS DR ROWLETT, TX 75088 3. Instrument to be Foreclosed. The instrument to be foreclosed is the Deed of Trust dated 7/9/2019 and recorded in the office of the County Clerk of Rockwall County, Texas, recorded on 7/19/2019 under County Clerk’s File No 20190000011933, in Book -- and Page -- , along with Correction Instrument recorded on 1/20/2026 in Instrument No. 20260000001097 in the Real Property Records of Rockwail County, Texas. Grantor(s): DENISE JOHNNETTE KAYE, A SINGLE WOMAN Original Trustee: THOMAS E. BLACK, JR. Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation  T.S. #: 2025-20205-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 $269,920.00, executed by DENISE JOHNNETTE KAYE, A SINGLE WOMAN, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, 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 and prot r rights a: ember of the arm 9 it es. If you are or your spouse is seryin ive mi duty, includi ive military duty as mber of the Texas National rd or the National rd NESTOR SOLUTIONS, LLC, as attorney-in-fact for FREEDOM MORTGAGE CORPORATION By: Dated: 4/13/2026 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  T.S. #: 2025-20205-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- 191 98/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 $269,920.00, executed by DENISE JOHNNETTE KAYE, A SINGLE WOMAN, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, 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 A nd prot rrights ber of the ai f i es. I eor your e is servi of a er state or as a me ofar mponent of the armed forces 0 States se_ send writte: 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 By: Dated: 4/13/2026 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