AM Doc-117704 Hidalgo County Arturo Guajardo Jr. County Clerk Edinburg, Texas 78540 Document No: 117704 Recorded On: June 04, 2026 03:08 PM Billable Pages: 1 Number of Pages: 2 NOTICE OF FORECLOSURE *****Examined and Charged as Follows***** Total Recording: $ 22.00 File Information: *****THIS PAGE IS PART OF THE DOCUMENT***** Any provision herein which restricts the Sale, Rental, or use of the described REAL PROPERTY because of color or race is invalid and unenforceable under federal law. Record and Return To: “tim Document No: 117704 SOUTH TEXAS TITLE & TRUSTEE SERVICES Receipt No: 20260604000286 P.O.BOX 530493 Recorded On: June 04, 2026 03:08 PM original returned to customer Deputy Clerk: Erika Gonzalez HARLINGEN TX 78553 Station: CH-1-CC-K35 yuttttlling, STATE OF TEXAS SOMenn, COUNTY OF HIDALGO = Pa * % | hereby certify that this Instrument was FILED in the File Number sequence on the date/time = * i & ; * = printed hereon, and was duly RECORDED in the Official Records of Hidalgo County, Texas. 30% ioe Gon ees Arturo Guajardo Jr. . ¥ 111, OF HOME County Clerk Jn lw, Hidalgo County, Texas Doc-117704 NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: Grantor(s)/Mortgagor(s): 9/18/2020 ALFONSO CRUZ JR, JOINED HEREIN PROFORMA BY MY WIFE CINDY G. LOMAS PEREZ Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. PENNYMAC LOAN SERVICES, LLC (“MERS”) SOLELY AS A NOMINEE FOR DIRECTIONS EQUITY, LLC., ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A HIDALGO Page: N/A Instrument No: 3152665 Mortgage Servicer: Mortgage Servicer’s Address: PennyMac Loan Services, LLC is representing the Current 6101 Condor Drive, Beneficiary/Mortgagee under a servicing agreement with the Current Moorpark, CA 93021 Beneficiary/Mortgagee. Date of Sale: 7/7/2026 Earliest Time Sale Will Begin: 10:00 AM Place of Sale of Property: THE HIDALGO COUNTY ADMINISTRATIVE BUILDING, LOCATED AT 2802 S. BUSINESS HWY 281, EDINBURG, TX 78539 (OUTDOOR COVERED AREA ON THE WEST SIDE OF THE BUILDING) OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT, PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: LOT 200, RIO VISTA ESTATES SUBDIVISION, AN ADDITION TO THE CITY OF PHARR, HIDALGO COUNTY, TEXAS, ACCORDING TO THE MAP RECORDED IN VOLUME 43, PAGE 20, OF THE MAP RECORDS OF HIDALGO COUNTY, TEXAS In accordance with TEX. PROP. CODE §51.0076 and the Deed of Trust referenced above, the undersigned as attorney for Mortgagee or Mortgage Servicer does hereby remove the original Trustee and all successor substitute trustees and appoints in their stead, Xome Inc., Tejas Corporate Services, LLC, NFPDS-TX LLC, Connie Cobb or Clyde Cobb or Constance Lewis or Montgomery Medley or Julie Martin, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy & Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers and duties set aside to the said original Trustee under there said Deed of Trust; and, further, does hereby request, authorize, and instruct said Substitute Trustee to conduct and direct the execution of remedies set aside to the beneficiary therein The Substitute Trustee will sel! the property by public auction to the highest bidder for cash at the place and date specified. The sale will begin at the earliest time stated above or within three (3) hours after that time. The Property will be sold “AS IS,” without any express or implied warranties, except as to warranties of title, and at the purchaser’s own risk, pursuant to the terms of TEX. PROP. CODE §51.002 and §51.009. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property. Substitute Trustee reserves the right to set further reasonable conditions for conducting the public auction. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by Substitute Trustee. 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. NOTICE PURSUANT TO TEX, PROP. CODE § 51.002(1): ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU OR YOUR SPOUSE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL 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. _Dated: 5/28/2026 Dated: 96/04/2026 Thuy Frazier, Attorney McCarthy & Holthus, LLP 1255 West 15th Street, Suite 1060 1255 West 15th Street, Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for PennyMac Loan Services, LLC https://sales.mecarthyholthus.com/ MH File Number: TX-26-129023-POS Loan Type: FHA