TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5517 41 AM FILED 7/30/2026 9:49 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 the Mortgagors no longer occupies the property; and WHEREAS, by virtue of the default, the Secretary has declared the entire amount of the indebtedness secured by the Reverse Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act. of 1994, 12 U.S.C, 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of n Foreclosure Commissioner, recorded on October 15, 2007 in Dallas County under Clerk’s Ei lui 20070369306, notice is hereby given that on September 1, 2026, at 12:00 PM local tim three hours thereafter, all real and personal property at or used in connection with the f¢ premises (“Property”) will be sold at public auction to the highest bidder: b DS ESTATES, SECTI AS, ACCORDING TO 1, PAGE 32 OF LOT FOUR (4), BLOCK TWO (2) OF RIVER W ONE (1), AN ADDITION IN HARRIS C Y, THE MAP OR PLAT THEREO, 0. THE MAP RECORDS OF HAI ‘OUN OAKS D) is s at the following location: AT THE MAGNOLIA SOUTH. OU ENT CENTER LOCATED AT 9401 KNIGHT ROAD, ER RECORDED IN CLERK'S FILE NO. RP-2023-304925, or if the ecretary of Housing and Urban Development will bid $93,867.09. There will be no proration of taxes, rents or other income.or liabilities, except that the purchaser will pay, at or before closing, his prorate share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $9,386.71 in the form 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 $9,386.71 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 transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to.them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will 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  FRCL-2026-5517 49:41 AM FILED 7/30/2026 9 _ Secretary of HUD, before public auction of the property is completed. the sale, reasonable and customary costs incurred for title a . reinstatement... TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS If the high bidder is unable to close the sale within the required period, or within any extension of time granted by the Secretary, thehigh 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. - i There is no right of redemption, or right of possession based upon a right of redemption, in the mortga; or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to thie purchaser(s) upon receipt of the entire purchase price:in accordarice with the terms of the sale as provided fherein. HUD doés not guarantee that the propert be vacant. _ or otherwise, that the default or defaults upon which the foreclosure is based did n« service of this notice of default and foreclosure sale, or all amounts due under the tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s The amount that must be paid if thie mortgage is to be paid in full prior thé scheduled sal 3,867.09, - -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 ien record searches, the necessary out-of ancellation of the foreclosure sale Tender of payment by certified or cashier’s check o1 ‘ovided below. shall be submitted to the address of the For: Date: July 29, 2026, L. Keller Mackie Foreclosure Commissioner - Mackie Wolf Zientz & Mann, Parkway Office Center, Suite 14160 Dallas Parkway Dallas, TX 75254 (214) 635-2650 (214) 635-2686 25-000042-430-1