Doc# 20260500012 03/19/2026 08:24 AM Page 1 of 1 Lucy Adame-Clark, Bexar County Clerk Uy OE VEY UE OEY A DR) #IG-SO-2626-202605 0001 Se NOTICE OF SUBSTITUTE TRUSTEE SALE Deed of Trust Date: Grantor(s)/Mortgagor(s): 8/15/2018 RIGOBERTO RETA CEPEDA. A MARRIED MAN. JOINED HEREIN BY HIS WIFE. YVONNE M. CEPEDA. SOLELY ON A PRO FORMA BASIS FOR THE PURPOSE TO PERFECT THE SECURITY INTEREST HEREIN. BUT NOT OTHERWISE BE LIABLE Original Beneficiary/Mortgagee: Current Beneficiary/Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS. INC. Lakeview Loan Servicing. LLC (MERS™) SOLELY AS A NOMINEE FOR GARDNER FINANCIAL SERVICES LYD. DBA LEGACY MUTUAL MORTGAGE. ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A BEXAR Page: N/A Instrument No: 20180162371 Mortgage Servicer: Mortgage Servicer’s Address: M&T Bank is representing the Current Beneficiary/Mortgagee under a 1 Fountain Plaza. servicing agrcement with the Current Beneficiary/Mortgagee. Bulfalo. NY 14203 Date of Sale: 5/5/2026 Earliest Time Sale Will Begin: 10am SE WHICH IS ANTONIO. Place of Sale of Property: THE AREA LOCA’ OUTSIDE ON THE WEST SIDE OF THE BEXAR COUNTY COURTHOU NEAR THE INTERSECTION OF EAST NUEVA STREET AND THE CLOSED PORTION OF SOUTH MATIN AVENUE, SAN TEXAS OR AS DESIGNATED BY THE COUNTY COMMISSIONER'S OFFICE OR IN THE AREA DESIGNATED BY THE COMMISSIONER'S COURT. PURSUANT TO SECTION 51.002 OF THE TEXAS PROPERTY CODE. Legal Description: LOT 34. BLOCK 54. NEW CITY BLOCK 188. HE RESERVE AT WESTOVER HILLS UNIT 14, A PLANNED UNIT DEVELOPMENT. AN ADDITION TO THE CITY OF SAN ANTONIO. BEXAR COUNTY. TEXAS. ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN VOLUME 9348. PAGE 91. DEED AND PLAT RECORDS. BEXAR 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. Alexis Martin. Cassie Martin. Troy Martin, Deborah Martin, Terr Martin or Shelby Martin. Cole Patton. Myra Homayoun. Thuy Frazier, McCarthy & Holthus. LLP. as Substitute Trustee. who shall hereafier 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 fhe Substitute Trustee will sell the property by public auction to the highest bidder for cash at the place and date specified The sale will begin at the earliest ume stated above or within three (3) hours after that time ~ without any express or implied warranties. except as to warranties of title. and al the purchaser's own risk. pursuant to the terms of The Property will be sold “AS 009. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property TEX. Prop. Cope $31.002 and $5 Substitute Trustee reserves the right to set further reasonable condivions for conducting the public auction. Any such further conditions shail 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. 1.002(1): ASSERT AND PROTECT YOUR RIGHTS AS MEMBER OF THE ARMED FORCES OF THE ARE SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A ATIONAL GUARD OF ANOTHER STATE OR AS A MEMBER OF A RESERVE COMPONENT OF END WRITTEN NOTICE OF THE ACTIVE DUTY MILITARY SERVICE TO THE NOTICE PURSUANT TO TEX. PROP. CODE § UNITED STATES. IF YOU OR YOUR SPOU MEMBER OF THE TEXAS NATIONAL OR THE THE ARMED FORCES OF THE UNITED STA SENDER OF THIS NOTICE IMMEDIATELY. Dated: 3/18/2026 Dated a\ \ol re Qlethy Marts | Ly rn y Yr ye Printed Name: Myra Homayoun. Attorney Substitute Trustee ey McCarthy & Holthus. LLP c/o Tejas Trustee 1255 West 15th Street. Suite 1060 1255 West [5th Street. Suite 1060 Plano. TX 75075 Plano. TX 75075 ona Attorneys for M&T Bank FILE INFORMATION Document Number: 2026050001: MU File Number: TX-26-127185-POS Date/Time: 3/19/2026 8:24:19 AM Loan Type: VA Total Pages: 1 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00