NOTICE OF SUBSTITUTE TRUSTEE SALE. ob lous Grantor(s)/Mortgagor(s):. Deed of Trust Date: 9/22/2022 : MIZAEL RAMIREZ AND:ANNY RAMIREZ; A MARRIED: COUPLE: Original Beneficiary/Mortgagee: Current Benéficiary/Mortgagee: NAVY FEDERAL CREDIT UNION, A CORPORATION NFCU Recorded in: Property County: Volume::N/A DENTON Page:. N/A Instrument.No: 138149 Mortgage Servicer: Navy Federal Credit-Union is representing the Current Benefi iciary/Mortgagee under a servicing agreement with the Current Beneficiary/Mortgagce. Date of Sale: 26/2/2026 » Earliest: Time Sale Will Begin: 1:00 PM: Place of Sale of Property: THE COURTYARD AREA OF THE SOUTHWEST: CORNER OF THE DENTON COUNTY: COURTS BUILDING OR ‘AS DESIGNATED BY THE COUNTY COMMISSIONER'S OFFICE OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S: COURT, PURSUANT TO SECTION 51.002 OF THE: TEXAS PROPERTY CODE: > Mortgage Servicer’s‘Address: 820 Follin Lane SE, Vienna, VA.22180 Legal Description: LOT 28, BLOCK 11, LEGEND CREST, PHASE 1,-AN ADDITION TO THE CITY OF THE COLONY, DENTON: COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN CABINET P, PAGE 393, OF THE PLAT RECORDS OF DENTON COUNTY, TEXAS. In-accordance with Tex. Prop. CoDE §51,0076 and the Decd of Trust referenced above, the undersigned as attorney for. Mortgagec or Mortgage Servicer: docs: hereby remove. the original Trustee and all successor substitute trustees:and ‘appoints in their stead, Payton Hreha, Francesca Ortolani; Shelley Ortolani,: Mary Mancuso, Liz Hach, Michele: Hreha or Carol Dunmon,; 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, furthier; does. hereby request, ‘authorize, and instruct said Substitute Trustee to conduct and direct the execution of remedies set aside to the beneficiary thercin The: Substitute. Trustee. will scll the. property by. public:auctién to the highest bidder for cash at ihe place and daté specified... The'sale will begin-at the carlicst time stated above or.within three (3) hours after that time, The:Property will be sold “AS 1S,” without any express or implicd warranties, except as 1o warranties of title, and at the purchaser’s own-risk, pursuant to the terms of Tex, PROP. Cone §51,002 and §51.009. Prospective bidders are advised to conduct an independent investigation of the. nature and physical condition of the Property. Substittite 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. SUBSTITUT E ‘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 MORTGAGE E OR MORTGAGE SERVICER. NOTICE PURSUANT. TO:TEX. PROP. CODE'§ 51,002(1): ASSERT AND. PROTECT. YOUR-RIGHTS AS, MEMBER OF THEARMED F "ORCES. OF THE UNITED STATES. IF “YOU. OR YOUR SPOUSE ARE: SERVING. ON ACTIVE MILITARY: DUTY,: INCLUDING ACTIVE MILITARY: DUTY. ASA MEMBER OF THE TEXAS NATIONAL OR THE NA’ TIONAL 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 TINS NOTICE IMMEDIATELY, . Dated: A Ur By Printed Name! Welle Substitute Trustee: Dated: 4/14/2026 Thuy. Frazier, Attorney. McCarthy & Holthus, LLP c/o Tejas Trustee: w 1255:West 15th Street, Suite 1060 1255: West 15th Street, Suite 1060: =o Plano, TX.75075 Plano, TX. 75075 | S$ NM m= Attorneys for Navy Federal Credit Union hutps://sales micearthyliohbus:com? 4 2 —s eo 3 Mm mm OD oS oF Pa —, “Ty o 7 Pay 2 g = Fad he ~~ C3 w oO oe : gen & Sr 7 < & MH File Number: TX-26-126073-POS Loan Type: Conventional Residential