TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-6285 48 AM FILED 8/27/2026 11:00 Ss ecrel i ere i ‘ore closing, his prorate share of any real estate taxes that have been paid by the Secretary to the © the foreclosure sale. : NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on November 27, 2009, a certain Adjustable Rate Home Equity Conversion Deed of Trust ! (“Reverse Mortgage”) was executed by THURSTON PHILIO JR AND EVELYN PHILIO, as mortgagor in favor of Urban Financial Group, as mortgagee and ALAN E, SOUTH, ATTORNEY AT LAW, as trustee, and was recorded on December 10, 2009 under Clerk's Instrument Number 20090558392 in the real property records of Harris County, Texas. WHEREAS, the Reverse Mortgage was insured by the United States Secretary of Housing and Urban Development (the “Secretary”) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the beneficial interest in the Reverse Mortgage is now owned by the Secretary, pursuant to an assignment dated November 27, 2017, and recorded on December 4, 2017, under Clerk's Instrument Number RP-2017-531211 in the real property records of Harris County, Texas; and WHEREAS, a default has been made in the covenants and conditions of the Reverse Mortgage in that tl Mortgagors no longer occupies the property; and WHEREAS, by virtue of the default, the Secretary has declared the entire amount of the indebt secured by the Reverse Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortga; 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s d Foreclosure Commissioner, recorded on October 15, 2007 in Dallas County under Cle: i imber 20070369306, notice is hereby given that on October 6, 2026, at 12:00 PM local time or no three hours thereafter, all real and personal property at or used in connection with the following described ‘oreclosure LOT FOUR (4), BLOCK TWO (2) OF ONE (1), AN ADDITION IN HARRIS The sale will be held in BALLROOM OF IRDED IN CLERK'S FILE NO. RP-2023-304925, or if the preceding aregui ¢ designated area, at the area most recently designated by the County i ated by the County Commissioners Court. , Urban Development will bid $186,692.63. ‘oration of taxes, rents or other income or liabilities, except that the purchaser will pay, hen making their bids, all bidders except the Secretary must submit a deposit totaling $18,669.26 in the rm of a certified check or cashier’s check made out to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $18,669.26 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier’s check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the iransfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be retumed to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions wil] be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. 25-000042-430-1  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-6285 00:48 AM FILED 8/27/2026 11 If the high bidder is unable to close the sale within the required period, or within any extension of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid if the mortgage is to be paid in full prior the scheduled sale is $186,692.63, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of- pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior reinstatement, Tender of payment by certified or cashier’s check or application for ion of th closure shall be submitted to the address of the Foreclosure Commissioner providéd belo Date: August 26, 2026, qT L. Keller Mackie 25-000042-430-!