1878 IRON CREEK DR

CARTWRIGHT RANCH PH 1, BLOCK 13, LOT 44

NOTICE OF SUBSTITUTE TRUSTEE’S SALE ~I> 1444 T.S. #: 2025-16026-TX 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 nother state or as a member. ofa reserve component of the armed forces of the United



Date, Time, and Place of Sale - The sale is scheduled to be held at the following date, time and place: Date: 9/2/2025 Time: The earliest time the sale will begin is 10:00 AM , or within three (3) hours after that time. Place: Kaufman County Courthouse, Texas, at the following location: 100 West Mulberry Street, Kaufman, TX 75142 THE FRONT STEPS OF KAUFMAN COUNTY COURTHOUSE Or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioners 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 44, Block 13, of CARTWRIGHT RANCH PHASE 1, a subdivision in Kaufman County, Texas, according the map or plat thereof recorded in Cabinet 4, Sleeve 228 of the Plat Records of Kaufman County, Texas. Commonly known as: 1878 IRON CREEK DR CRANDALL, TX 75114 Instrument to be Foreclosed — The instrument to be foreclosed is the Deed of Trust dated 5/10/2024 and recorded in the office of the County Clerk of Kaufman County, Texas, recorded on 5/15/2024 under County Clerk’s File No 2024- 0014756, in Book 8506 and Page 157 of the Real Property Records of Kaufman County, Texas. Grantor(s): MARICRUZ CARACHEO, AN UNMARRIED WOMAN Original Trustee: Angela R Hernandez Substitute Trustee: Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Trustee LLC, Randy Daniel, Cindy Daniel, Jim OBryant, Donna Stockman, Brenda Wiggs, David Stockman, Michelle Schwartz, Guy Wiggs, Janet Pinder, Abstracts/Trustees of Texas, LLC, Jim Mills, Susan Mills, Andrew Mills-Middlebrook, George Hawthorne, Bill Gibson, Russell Slaton, Ed Henderson, Tony Hulsey, Jan Rollins, Sharon Hobbs, Matt Dunn, Brandy Bacon, Jamie Dworsky, Angela Cooper, Jeff Benton, Jack Beckman, Brian Hooper, Mike Jansta, Mike Hayward, Jay Jacobs, Stockman Foreclosure Services inc. Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for DHI Mortgage Company, Ltd., its successors and assigns Current Mortgagee: Freedom Mortgage Corporation T.S. #: 2025-16026-TX Mortgage Servicer: Freedom Mortgage Corporation 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 authorized to collect the debt and to administer any resulting foreclosure of the referenced property securing the above referenced loan. 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. Those desiring to purchase the property will need to demonstrate their ability to pay cash on the day the property is sold. The sale will be made expressly subject to any title matters set forth in the deed of trust, but prospective bidders are reminded that by law the sale will necessarily be made subject to all prior matters of record affecting the property, if any, to the extent that they remain in force and effect and have not been subordinated to the deed of trust. 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 mortgagee 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. - 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 $245,559.00, executed by MARICRUZ CARACHEO, AN UNMARRIED WOMAN, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for DH] Mortgage Company, Ltd., its successors and assigns; (2) all renewals and extensions of the note; and (3) any and all present and future indebtedness of Trustor(s) to the current holder of the Obligations to the mortgagee 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(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Questions concerning the sale may be directed to the undersigned or to the Mortgagee: Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939 Phone: (855) 690-5900 Default and Request to Act - Default has occurred under the deed of trust, and the mortgagee has requested me, as Trustee, to conduct this sale. Notice is given that before the sale the mortgagee may appoint another person substitute trustee to conduct the sale. T.S. #; 2025-16026-TX Dated: T7125 Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Trustee LLC, Randy Daniel, Cindy Daniel, Jim OBryant, Donna Stockman, Brenda Wiggs, David Stockman, Michelle Schwartz, Guy Wiggs, Janet Pinder, Abstracts/Trustees of Texas, LLC, Jim Mills, Susan Mills, Andrew Mills-Middlebrook, George Hawthorne, Bill Gibson, Russell Slaton, Ed Henderson, Tony Hulsey, Jan Rollins, Sharon Hobbs, Matt Dunn, Brandy Bacon, Jamie Dworsky, Angela Cooper, Jeff Benton, Jack Beckman, Brian Hooper, Mike Jansta, Mike Hayward, Jay Jacobs, Stockman Foreclosure Services inc. __(Cowna Shodymame c/o Nestor Solutions, LLC 214 Sth 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. SENDER OF THIS NOTICE: AFTER FILING, PLEASE RETURN TO: Nestor Solutions, LLC 214 Sth Street, Suite 205 Huntington Beach, California 92648