T.S.#: 2025-18980-TX RTS 2026-004369 APPOINTMENT OF SUBSTITUTE TRUSTEE and NOTICE OF TRUSTEE'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 ISTHE ATTORNEY ORAUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER Theundersigned, inaccordance withTexasPropertyCode§ 51.0076,asattorney- in-factfortheMortgageeorMortgage Servicer, hereby removes theoriginal trustee and any and all successor substitute trustees, andappoints intheirstead: NestorSolutions, LLC, Auction.com,LLC, Xome Inc., Tejas CorporateServices,LLC, NFPDS-TX LLC, Agency Sales and PostingLLC, Abstracts/Trustees ofTexas, LLC, Resolve Trustee Services, LLC, or any one ofthem, do Nestor Solutions, LLC, 214 5th Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, to hereafter exercise all powers and duties conferred upontheoriginal trustee under theDeedofTrust,andfurther authorizes and directs the Substitute Trusteeto conduct and execute the remedies provided to thebeneficiary therein. 1. Date, Time, and Place ofSale. Date: 11/3/2026 Time: The earliest time the sale will begin is 10:00 AM,orwithin three( 3) hours after thattime. Place: Collin County Courthouse,Texas, atthe following location: Thefrontsteps oftheCollin County Courthouse located at2100 Bloomdale Road, McKinney, Texas 75071, orifthe preceding area is no longer the designated area, at the areamost recently designated by theCounty Commissioners Court. 2. Property ToBe Sold. BEING LOT 9, BLOCK COF FOUNTAIN CREEK NO. 3, AN ADDITION TO THE CITY OF PLANO, COLLIN COUNTY, TEXAS, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME H, PAGE 238, MAP RECORDS, COLLIN COUNTY, TEXAS. Commonly known as: 7805 RACHEAL CTPLANO, TX 75024 Instrument to be Foreclosed. The instrument tobeforeclosed istheDeed ofTrust dated 5/7/2020 andrecorded inthe 3. office ofthe County ClerkofCollin County, Texas, recorded on6/12/2020 under County Clerk' sFileNo 20200612000877540, in Book -- and Page — The subject Deed ofTrust was modified by Loan Modification recorded as Instrument no. 20211018002121100 andrecorded on 10/18/2021, andfurtherrecorded on02/ 17/2025 ininstrument no.2025000017805. inthe Real Property Records ofCollin County, Texas. Grantor( s): M MELANIE CHEVALIER AND DAVID N CHEVALIER, WIFE AND HUSBAND Original Trustee: Black, Mann& Graham Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Freedom Mortgage Corporation, its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation c_, rp— a'n m .,.4.a c1 e c CTT.S.#: 2025- 18980-TX 4. TermsofSale. Thesalewillbeconductedasapublicauctiontothehighestbidderforcash,subjecttotheprovisions ofthe DeedofTrust permitting the Mortgagee thereunder tohave the bid credited tothe note up tothe amount ofthe unpaid debt secured by the Deed ofTrust atthetime ofsale. Pursuant to§ 51.009 ofthe Texas Property Code, the property willbesold in AS IS, WHERE IS" condition, without any express orimplied warranties, except astothewarranties oftitle( ifany) provided forunderthe Deed ofTrust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder(" purchaser") at this trustee' ssalemaybe required toprovide information, documentation and/orcertification asmandated byapplicable federal 1aw, and entity and trust purchasers should beprepared toprovide beneficial ownership information asmay be required by federal reporting requirements effective for transfers ofresidential real property to covered transferees on or after 3/ 1/ 2026. If applicable,therequiredinformationmustbeprovidedtothetrusteebeforeatrustee'sdeedwillbeissuedforcoveredtransfers. Additionalinformationregardingtheseregulationsandtherequiredtransfereeinformationandcertificationscanbefoundat https:// www. fincen.gov/rre- fags#D 5 or https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money- laundering-regulations-for-residential- real-estate-transfers. Obligations Secured. TheDeedofTrustprovides thatitsecures thepayment ofthe indebtedness andobligations described 6. therein( collectively, the" Obligations"), including,b.utnotlimitedto:( 1) thepromissorynote intheoriginal principal amount of$268,336.00, executed by M MELANIE CHEVALIER AND DAVID N CHEVALIER, WIFE AND HUSBAND, and payable tothe order ofMortgage Electronic Registration Systems, Inc., as Beneficiary,as nominee for Freedom Mortgage Corporation, its successors and assigns;( 2) all renewals and extensions ofthe note; and( 3) any and all present and future indebtedness ofthe Trustor(s) tothe current holder oftheObligations, secured by the Deed ofTrust. Default has occurred in thepayment ofthe indebtedness, andthe same is nowwholly due and payable. The owner and holder ofthe Obligations has requestedthatthe Substitute Trustee selltheProperty tosatisfythe indebtedness. Mortgage Servicer Information. TheMortgage Servicer isauthorized torepresent the Mortgagee byvirtue ofaservicing 7. agreement withtheMortgagee. Pursuantto the ServicingAgreement andTexas Property Code§ 51. 0025,theMortgage Servicer is authorizedto collect thedebtandadminister anyresultingforeclosure oftheliensecuringtheProperty referenced above. Freedom Mortgage Corporation as Mortgage Servicer, represents thecurrent mortgagee, whose address is: c/oFreedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037- 7939 Phone:( 855) 690-5900 Assert and protect your rights asa member ofthe armed forces ofthe United States. Ifyou areoryour spouse is serving on active military duty, including active military duty as amember ofthe Texas National Guard orthe National Guard ofanother state oras a member ofa reserve component ofthe armed forces ofthe United States, please send written notice ofthe active- duty military service to the sender ofthis notice immediately. NESTOR SOLUTIONS, LLC, as attorney- in-fact for FREEDOM MORTGAGE CORPORATION By: Dated: 9/11/2026 Christopher K. Baxter Senior Vice President Texas BarNo.90001747 214 5th Street, Suite205 Huntington Beach, California 92648 Phone:( 888) 403-4115 Fax:( 888) 345-5501 For sale information visit: https:// www.xome.comorContact( 800) 758- 8052