TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5442 FILED 7/28/2026 11:24:45 AM T.S. #: 2026-25986-TX 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 IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVI Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, to hereafter exe conferred upon the original trustee under the Deed of Trust, and further authorizes and dire and execute the remedies provided to the beneficiary therein. 1. Date, Time, and Place of Sale. Date: 10/6/2026 Time: The earliest time the sale will begin is 10; Place: Harris County Courthouse, Texas, at the fc KNIGHT RD, HOUSTON, T i preceding area is no longer the designated area, at the area most recently desé Commissioners Court. 2. Property To Be Sold. LOT S OCK FOUR (4), HASTINGS GREEN, SECTION ONE (1), A SUBDIVISION IN HARRIS C CORDING TO THE MAP OR PLAT THEREOF RECORDED IN VOLUME 283, PAGE 64 O! OF HARRIS COUNTY, TEXAS Commonly known 91 K DR HOUSTON, TX 77065 3. Instrument Foree'! . The instrument to be foreclosed is the Deed of Trust dated 12/13/2021 and recorded in the office of the of ‘is County, Texas, recorded on 12/14/2021 under County Clerk’s File No RP-2021-711325, in the Real Property Records of Harris County, Texas. PABLO ERNESTO ALFONSO BORGES and CAMILA CARABALLO, husband and wife riginal Trustee: RUTH RUHL, PC Attorney at Law Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for ARC HOME LOANS LLC, its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation  TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2026-5442 FILED 7/28/2026 11:24:45 AM T.S. #: 2026-25986-TX 4. Terms of Sale. The sale will be conducted as a public auction to the highest bidder for cash, subject to the provisions of the Deed of Trust permitting the Mortgagee 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. Pursuant to §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. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (“purchaser”) at this trustee’s sale may be required to provide information, documentation and/or certification as mandated by applicable federal law, and entity and trust purchasers should be prepared to provide beneficial ownership information as may be required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after 3/1/2026. If applicable, the required information must be provided to the trustee before a trustee’s deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.fincen.gov/rre-faqgs#D_5 or _ https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money- laundering-regulations-for-residential-real-estate-transfers. 6. Obligations Secured. The Deed of Trust provides that it secures the payment of the indebtedness and obligations described therein (collectively, the “Obligations”), including, but not limited to: (1) the promissory note in the original principal amount of $277,874.00, executed by PABLO ERNESTO ALFONSO BORGES and CAMILA CARABALLO, husband and wife, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for ARC HOME LOANS , its successors and assigns; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness ie stor(s) to the current holder of the Obligations, secured by the Deed of Trust. Default has occurred in the payment of and the same is now wholly due and payable. The owner and holder of the Obligations has requested that the Ss roperty to satisfy the indebtedness. 7. Mo e| nformation. Mortgage Servicer is authorized to represent the Mortgagee by virtue of a servicing agreement with ortga: Servicing Agreement and Texas Property Code §51.0025, the Mortgage Servicer is authorized to collect the:debt and a Freedom Mortgage Corporation niste; ulting foreclosure of the lien securing the Property referenced above. rtgas ervicer, r ts the current mortgagee, whose address is: c/o Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939 Phone: (855) 690-5900 notice of the active-duty military service to the sender of this notice immediately. NESTOR SOLUTIONS, LLC, as attorney-in-fact for FREEDOM MORTGAGE CORPORATION By: Dated: 7/24/2026 Christopher K. Baxter Senior Vice President Texas Bar No. 90001747 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone: (888) 403-4115 Fax: (888) 345-5501 For sale information visit: https://www.xome.com or Contact (800) 758-8052