LED FOR RECORD TENO:DUCOIIETX | O | O° | " 0.2 ” 5 . 25-000202-673 7/23/2026 9:33:54 AM Notice of [Substitute] Trustee Sale ail ee penny Assert and protect your rights as a member of the armed forces of the United States. Ifyou 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 amember of a reserve component of the armed forces of the United States, lease send written notice of the active ¢ duty military service to the sender of.this notice immediately. 1. Date, Time and Place of Sale. Date: ~210/06/2026 ¢ Time: The sale will begin at 01:00 PM or not later than three hours after that time Place: Denton County, Texas at the following location: THE COURTYARD AREA OF THE SOUTHWEST . CORNER OF THE DENTON COUNTY COURTS BUILDING ORAS DESIGNATED BY THE COUNTY COMMISSIONER'S OFFICE PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE AS THE PLACE WHERE FORECLOSURE SALES ARE TO TAKE PLACE OR AS DESIGNATED BY THE COUNTY COMMISSIONERS ‘Property Address: 7404 STAKED PLAINS TRAIL, PONDER, TX 76259 2. Terms af Sale: The sale will be conducted as a public auction to the highest bidder for cash, Pursuait to the deed of trust, the mortgagee has the right to direct the Trustee to sell the property in one or more parcels and/or to sell all or only part of the property. Pursuant to section 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. Any conveyance of the property is subject to all matters of record affecting the property. 3. Instrument to be Foreclosed: The instrument to be foreclosed is the Deed of Trust or Contract Lien dated 05/02/2022 and recorded 05/04/2022 in Document 67333 , real property records of Denton County, Texas, with MICHAEL EMERY TOWNER AND RICKI TOWNER, HUSBAND AND WILEE prantor(s) and HIGHLANDS RESIDENTIAL MORTGAGE, LTD. as Lender, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Beneficiary. 4. Appointment of Substitute Trustee: In accordance with Texas Property Code Sec. 51.0076, the undersigned authorized agent for the mortgage servicer has named and appointed, and by these presents does name and appoint AVT Title Services, LLC, located at 5177 Richmond Avenue Suite 1230, Houston, TX 77056, Substitute Trustee to act under and by virtue of said Deed of Trust. 5. Obligation Secured: Deed of Trust or Contract Lien executed by MICHAEL EMERY TOWNER AND RICKI TOWNER, HUSBAND AND WIFE, securing the payment of the indebtedness in the original principal amount of $535,000.00, and obligations therein described including but not limited to the promissory note; and all modifications, renewals and extensions of the promissory note. ONITY MORTGAGE CORPORATION F/K/A PHH MORTGAGE CORPORATION is the current mortgagee of the note and deed of trust or contract lien. Version 1.1 TX NOS 0217 Page 1 of 3_ _- 25-000202-673 077°" TS No.: 2026-01014-TX Notice of [Substitute] Trustee Sale 6. Default: A default has occurred in the payment of indebtedness, and the same is now wholly due, and the owner and holder has requested to sell said property to satisfy said indebtedness. 7. Property to be sold: The property to be sold is described as follows: Lot3, in Block F, MIDWAY RIDGE PHASE 3, an addition to Denton County, Texas, according to the Amending Plat recorded in Document No. 2021-215, Plat Records, Denton County, Texas. 8. Mortgage Servicer Information: The Morigage 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 to administer any resulting foreclosure of the lien securing the property referenced above. Onity Mortgage Corporation f/k/a PHH Mortgage Corporation, as Mortgage Servicer, is representing the current mortgagee, whose address is: C/O Onity Mortgage Corporation f/l/a PHH Mortgage Corporation| PO BOX 24605 West Palm Beach, FL 33416-4605 Phone: 877-744-2506 Version 1.1 TX NOS 0217 Page 2 of 3 TS No.: 2026-01014-TX 25-000202-673 Notice of [Substitute] Trustee Sale 9. Limitation of Damages: If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only toa. retum of the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Morigagee's attorney. 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. Date: July 22, 2026 114 Mesa Park Drive, Suite 100 El Paso, TX 79912 Telephone: 855-427-2204 Fax: 866-960-8298 For additional sale information visit: www.hubzu.com or (855) 882-1314 POWER DEFAULT SERVICES, INC. MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. Version 1.1 TX NOS 0217 Page 3 of 3