NOTICE OF SUBSTITUTE TRUSTEE SALE Deed ofTrust Date: Grantor(s)/ Mortgagor(s): 11/ 16/2023 NIBU PUTHUKUNNATHU PAUL, A SINGLE PERSON Original Beneficiary/ Mortgagee: Current Beneficiary/ Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. PENNYMAC LOAN SERVICES, LLC MERS") SOLELY AS A NOMINEE FOR FIRST EQUITY MORTGAGE INCORPORATED, AN OHIO CORPORATION DOING BUSINESS IN TEXAS AS FIRST EQUITY MORTGAGE OF OHIO, INC., ITS SUCCESSORS AND ASSIGNS Recorded in: Property County: Volume: N/A COLLIN Page: N/A Instrument No: 2023000132347 Mortgage Servicer: Mortgage Servicer's Address: PennyMac Loan Services, LLC isrepresenting the Current 6101 Condor Drive, Beneficiary/Mortgagee undera servicing agreement with theCurrent Moorpark, CA 93021 Beneficiary/ Mortgagee. Date of Sale: 10/6/2026 Earliest Time Sale Will Begin: 10:00 AM Place ofSale ofProperty: Collin County Courthouse, 2100 Bloomdale Road, McKinney, TX 75071 OR TNTHE AREA DESIGNATED BY THECOMMISSIONER'S COURT,PURSUANT TO SECTION 51.002OFTHE TEXAS PROPERTY CODE. Legal Description: LOT 13, BLOCK A, THE DANIELLE AT CRAIG RANCH, AN ADDITION TO THE CITY OF MCKINNEY, COLLIN COUNTY, TEXAS, ACCORDING TOTHE MAP OR PLAT THEREOF RECORDED IN VOLUME 2022, PAGE 295, MAP AND/OR PLAT RECORDS, COLLIN COUNY, TEXAS. Inaccordance with TEX. PROP. CODE§ 51.0076 and the Deed ofTrust referenced above, the undersigned as attorney for Mortgagee or Mortgage Servicer does hereby removetheoriginal Trustee and all successorsubstitute trustees and appoints in theirstead, Auction.cotn, LLC, Payton Hreha, Francesca Ortolani, Shelley Ortolani, Mary Mancuso, Liz Hach, Michele Hreha or Carol Dunmon, Cole Patton, Myra Homayoun, Thuy Frazier, McCarthy& Holthus, LLP, as Substitute Trustee, who shall hereafter exercise all powers andduties set aside to the said original Trustee underthere said Deed ofTrust; and, further, does herebyrequest, authorize, and instruct saidSubstituteTrusteetoconductanddirecttheexecutionofremediessetasidetothebeneficiarytherein The Substitute Trustee will sell the property by public auction to the highest bidder for cash at the place and date specified. The salewill begin at theearliest time stated above or within three( 3) hours after that time. The Property will besold" AS IS," without anyexpress or implied warranties, except as towarranties oftitle, and at the purchaser' sown risk, pursuant to the terms of TEX. PROP. CODE§ 51.002 and§ 51.009. Prospective bidders arc advised toconduct an independent investigation ofthe nature and physical condition ofthe 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 ofthe day held bySubstitute 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 OFTHE MORTGAGEE OR MORTGAGE SERVICER, NOTICE PURSUANT TO TEX.PROP. CODE§ 51.002(I): 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 OFTHETEXAS NATIONAL ORTHE NATIONAL GUARD OFANOTHER STATE ORAS A MEMBER OFA 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. at( Dated: 8/24/2026 Dated: J61 e9v e Printed Name: ali- ccoA,( J Thuy Frazier, Attorney Substitute Trustee McCarthy& Holthus, LLP c/oAuction.com 1255 West 15th Street, Suite 1060 1255West15thStreet,Suite 1060 Plano, TX 75075 Plano, TX 75075 Attorneys for PennyMac Loan Services, LLC https://sales.mccartlyholthus.cont/ 1 n MH File Number: TX-26- 131938-POS m z — Loan Type: Conventional Residential 7.7 x