Doc# 20260200270 01/13/2026 11:32 AM Page 1 of 3 Lucy Adame-Clark, Bexar County Clerk 1 Notice of Substitute Trustee Sale TS. #: 25-16508 Assert and protect your rights as a member of the armed forces of the United States. If you 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 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 this notice immediately. Date, Time, and Place of Sale - The sale is scheduled to be held at the following date, time and place: Date: 4/7/2026 Time: The sale will begin no earlier than 10:00 AM or no later than three hours thereafter. The sale will be completed by no later than 1:00 PM Place: Bexar County Courthouse in San Antonio, Texas, at the following location: THE AREA LOCATED OUTSIDE ON THE WEST SIDE OF THE BEXAR COUNTY COURTHOUSE WHICH IS NEAR THE INTERSECTION OF EAST NUEVA STREET AND THE CLOSED PORTION OF SOUTH MAIN AVENUE, SAN ANTONIO OR AT THE AREA MOST RECENTLY DESIGNATED BY THE COMMISSIONERS COURT AS THE PLACE WHERE FORECLOSURE SALES ARE TO TAKE PLACE OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE Property To Be Sold - The property to be sold is described as follows: Lot 12, Block 12, New City Block 11166, Mission Del Lago Subdivision, Unit 8, (T.LF.), in the City of San Antonio, Bexar County, Texas, according to the map or plat thereof recorded in Volume 9589, Pages 169- 174, deed and plat records of Bexar County, Texas. Instrument to be Foreclosed — The instrument to be foreclosed is the Deed of Trust is dated 6/12/2023 and is recorded in the office of the County Clerk of Bexar County, Texas, under County Clerk’s File No 20230107474, recorded on 6/14/2023, of the Real Property Records of Bexar County, Texas. Property Address: 839 THREE IRON SAN ANTONIO, TEXAS 78221-3190 Trustor(s): ASHLEY CARDOZA and Original MORTGAGE ELECTRONIC THUNDERIEL CARDOZA Beneficiary: REGISTRATION SYSTEMS, INC. ("MERS"), AS BENEFICIARY, AS NOMINEE FOR ENCOMPASS LENDING GROUP, LP ITS SUCCESSORS AND ASSIGNS Current Planet Home Lending, LLC Loan Servicer: Planet Home Lending, LLC Beneficiary: Current Auction.com, LLC, Deanna Ray, Robert Valdespino, Brenda Rolon, Olivia Valdespino, Substituted Alexis Martin, Cassie Martin, Shelby Martin, Terri Martin, Martha Rossington, Reyn Trustees: Rossington , Rick Snoke, Prestige Default Services, LLC The Mortgage 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  Doc# 20260200270 01/13/2026 11:32 AM Page 2 of 3 Lucy Adame-Clark, Bexar County Clerk T.S. #: 25-16508 authorized to collect the debt and to administer any resulting foreclosure of the property securing the above referenced loan. Terms of Sale - The sale will be conducted as a public auction to the highest bidder for cash with funds being made payable to Prestige Default Services, LLC, subject to the provisions of the deed of trust permitting the beneficiary thereunder to have the bid credited to the note up to the amount of the unpaid debt secured by the deed of trust at the time of sale. Prospective bidders are strongly urged to examine the applicable property records to determine the nature and extent of such matters, if any. Pursuant to the Deed of Trust, the beneficiary 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. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the property. Pursuant to section 51.0075 of the Texas Property Code, the trustee reserves the right to set further reasonable conditions for conducting the sale. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by the trustee or any substitute trustee. Type of sale - The sale is a non-judicial deed of trust lien and security interest foreclosure sale being conducted pursuant to the power of the sale granted by the deed of trust executed by ASHLEY NICOLE CARDOZA and THUNDERIEL MACCABAEUS CARDOZA, HUSBAND AND WIFE. The real property and personal property encumbered by the deed of trust will be sold at the sale in accordance with the provisions of the deed of trust and as permitted by section 9.604(a) of the Texas Business and Commerce Code. Obligations Secured - The deed of trust provides that it secures the payment of the indebtedness and obligations therein described (collectively the “Obligations”) including by not limited to (1) the promissory note in the original principal amount of $355,000.00, executed by ASHLEY NICOLE CARDOZA and THUNDERIEL MACCABAEUS CARDOZA, HUSBAND AND WIFE, and payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), AS BENEFICIARY, AS NOMINEE FOR ENCOMPASS LENDING GROUP, LP ITS SUCCESSORS AND ASSIGNS; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness of ASHLEY NICOLE CARDOZA and THUNDERIEL MACCABAEUS CARDOZA, HUSBAND AND WIFE to ASHLEY CARDOZA and THUNDERIEL CARDOZA. Planet Home Lending, LLC is the current owner and holder of the Obligations and is the beneficiary under the Deed of Trust. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note and all other amounts lawfully owing under the Note, the Deed of Trust, and all of the other associated loan documents, including, without limitation, all interest, default interest, late charges, advances, attorneys’ fees and other costs and expenses. All checks must be made payable to Prestige Default Services, LLC Questions concerning the sale may be directed to the undersigned or to the beneficiary: Planet Home Lending, LLC 321 Research Parkway Meriden, Connecticut 06450-8301 (855) 884-2250  Doc# 20260200270 01/13/2026 11:32 AM Page 3 of 3 Lucy Adame-Clark, Bexar County Clerk TLS. #: 25-16508 Dated: / -l j —ZEZC ruction.com, LLC, Deanna Ray, Robert Valdespino, Brenda Rolon, Olivia Valdespino, Alexis Martin, Cassie Martin, Shelby Martin, Terri Martin, Martha i pn Rossington , Rick Snokg,, Prestige Default Services, LLC, 16801 Addison Road, Suite 350 Addison, Texas 75001 Phone: (972) 893-3096 ext. 1035 Fax: (949) 427-2732 Sale Line Information: (800) 793-6107 Website: www.auction.com AFTER RECORDING, PLEASE RETURN TO: Prestige Default Services, LLC 16801 Addison Road, Suite 350 Addison, Texas 75001 Attn: Trustee Department FILE INFORMATION pocument Number: 20260200270 ate/Time: 1/13/2 132: Taal Pape: A 026 11:32:25 AM IN THE OFFICIAL P: RECORDS OF BEXAR COUNTY LUCY ADAME ~ CLARK BEXAR COUNTY CLERK Total Fees: $2.00