9838 SPRUCE RIDGE DR

CB 5052G BLK 5 LOT 12

Doc# 20250180808 09/29/2025 04:38 PM Page 1 of 8 Lucy Adame-Clark. Bexar Countv Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 1 of 8 Lucy Adame-Clark, Bexar County Clerk RECORDING REQUESTED BY: Nemovi Law Group, APC WHEN RECORDED MAIL TO: The Secretary of Housing and Urban Development 451 7th Street S.W. Washington, DC 20410 APN: 305774 PAV I ATM NE A A000 #UG~-S8~-2025- 20251 1eBZ20%
NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on March 26, 2010, a certain Mortgage Deed of Trust in the amount of $184,500.00 was executed by FLOYD F. LAWLESS AND WIFE, MARIE LAWLESS as trustors in favor of BANK OF AMERICA, N.A., A NATIONAL BANKING ASSOCIATION as beneficiary, and was recorded on April 8, 2010, as Instrument No. 20100059879, in Book 14428 Page 2344 in the Office of the Recorder of Bexar County, Texas; and WHEREAS, the Mortgage Deed of Trust was insured by the United States Secretary of Housing and Urban Development (“Secretary” or “HUD”) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the beneficial interest in the Mortgage Deed of Trust is now owned by the Secretary of Housing and Urban Development, pursuant to the following assignment: Corporate Assignment of Deed of Trust from BANK OF AMERICA, N.A. in favor of THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT dated December 6, 2017, recorded on December 26, 2017, as Instrument No. 20170251988, in Book 18913, Page 1831 in the office of the Recorder of Bexar County, Texas; and WHEREAS, the entire amount delinquent as of September 24, 2025 is $217,905.00; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single-Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B (the “Act”), and by the Secretary’s designation of me as Foreclosure Commissioner, which is recorded herewith as “Exhibit A”; NOTICE IS HEREBY GIVEN that on November 4, 2025 between 10:00 AM — 1:00 PM local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder: LEGAL DESCRIPTION: LOT 12, BLOCK 5, CAMELOT SUBDIVISION, UNIT 63, BEXAR COUNTY, TEXAS, ACCORDING TO PLAT THEREOF RECORDED IN VOLUME 9400, PAGES 221-222, DEED AND PLAT RECORDS OF BEXAR COUNTY, TEXAS; TOGETHER WITH ALL IMPROVEMENTS THEREON SITUATED FC# 8300.00050 
Doc# 20250180808 09/29/2025 04:38 PM Page 2 of 8 Lucy Adame-Clark. Bexar Countv Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 2 of 8 Lucy Adame-Clark, Bexar County Clerk Purportedly known as: 9838 SPRUCE RIDGE DR, CONVERSE, TX, 78109 The sale, which will begin at the earliest time stated above or within three hours after that time, will be held at: The Area Located Outside On The West Side Of The Bexar County Courthouse Which Is Near The Intersection Of East Nueva Street And The Closed Portion Of South Main Avenue, San Antonio, Texas 10am-Ipm. Per the Secretary, the estimated opening bid will be $ 223,385.00. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders, except the Secretary, must submit a deposit totaling ten percent (10%) of the Secretary’s estimated bid amount in the form of a certified check or cashier’s check made payable to the Secretary of Housing and Urban Development. Ten percent of the estimated bid amount for this sale is $ 22,339.00. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $22,339.00 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount must be delivered in the form of a certified or cashier's check made payable to Nemovi Law Group, APC. We will accept certified or cashier’s checks made payable to the bidder and endorsed to Nemovi Law Group, APC if accompanied by a notarized power of attorney or other notarized authorization authorizing Nemovi Law Group, APC to deposit the check into the firm’s trust account on behalf of the Secretary of Housing and Urban Development. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay ali conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of: $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the Foreclosure Commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this Notice of Default and Foreclosure Sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary, before public auction of the property is completed. 2 FC# 8300.00050  Doc# 20250180808 09/29/2025 04:38 PM Page 3 of 8 Lucy Adame-Clark, Bexar County Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 3 of 8 Lucy Adame-Clark, Bexar County Clerk The amount that must be paid if the Mortgage Deed of Trust is to be reinstated prior to the scheduled sale is based on the nature of the breach, this loan is not subject to reinstatement. A total payoff is required to cancel the foreclosure sale, or the breach must otherwise be cured, if applicable. A description of the default is as follows A BORROWER DIES AND THE PROPERTY IS NOT THE PRINCIPAL RESIDENCE OF AT LEAST ONE SURVIVING BORROWER. Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. The sale date shown on this Notice of Default and Foreclosure Sale may be postponed one or more times by the Secretary, the Foreclosure Commissioner or a court. For Sales Information please call (916) 939- 0772 or visit the website www.nationwideposting.com using the file number assigned to this case FC# 8300.00050 . Your ability to obtain sales information by Internet Website or phone is provided as a courtesy to those not present at the sale and neither Nemovi Law Group, APC nor the website host makes any representations or warranties as to the accuracy or correctness of the information provided thereby. Nemovi Law Group, APC and its agents do not assume any responsibility for reliance on any information received by telephone or website. THIS INFORMATION IS SUBJECT TO CHANGE AT ANY TIME. It will be necessary for you to attend all sales in order to obtain the most current information. Neither Nemovi Law Group, APC nor its agents will be liable for any loss you may sustain in using or receiving any information obtained online or by phone. NOTICE TO MEMBERS OF THE ARMED FORCES Assert and protect your rights as a member of the armed forces of the United States. If you 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 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. Date: q hs | 20 an > NEMOVI LAW GROUP, APC Foreclosure Commissioner 2173 Salk Ave., Suite 250 Carlsbad, CA 92008 Phone: (866) 454-7742 Sales Info: (916) 939-0772 By:
Genail M. Nemovi FC# 8300.00050 
Doc# 20250180808 09/29/2025 04:38 PM Page 4 of 8 Lucy Adame-Clark, Bexar County Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 4 of 8 Lucy Adame-Clark, Bexar County Clerk ACKNOWLEDGMENT
A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of AL PP RWI ) ) County of San Diego
On SEPTEM HAL DLS before me, PUI 1K MGAAL IAS, a Notary Public, personally appeared © EAIA/L- Af: WEPMOV}-, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that she executed the same in her authorized capacity, and that by her signature on the instrument the person, or the entity upon behalf of which the person acted, executed the instrument.
I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. See ? Gee? SYLVIA MARTIN f ee Notary Public - California i (!.-—— eis San Diego County : Signature f ELEY Commission # 2444389 { on” my Comm. Expires May 13, 2027 } Lal Y i
FC# 8300.00050 
Doc# 20250180808 09/29/2025 04:38 PM Page 5 of 8 Lucy Adame-Clark. Bexar County Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 5 of 8 Lucy Adame-Clark, Bexar County Clerk sttENT og "EXHIBIT A" U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT $ % Fort Worth Regional Office, Region VI oe «i Office of Regional Counsel % é 307 W 7th Street, Ste. 1000 < “ey nee Fort Worth, TX 76102 Phone: 817-978-5987 FAX: 817-978-5563 August 2, 2021 FORECLOSURE COMMISSIONER DESIGNATION To: Genail M. Nemovi Nemovi Law Group, APC 2173 Salk Avenue, Ste. 250 Carlsbad, CA 92008 Pursuant to Section 805 of the Single Family Mortgage Foreclosure Act of 1994 (the “Act”), and the Delegation of Authority published in 76 FR 42466 on July 18, 2011, you are hereby designated as a Foreclosure Commissioner to act on behalf of the Secretary of Housing and Urban Development to conduct nonjudicial foreclosures in the State of Texas of the mortgages that may be referred to you by the Department of Housing and Urban Development (“HUD”) including cases under Title I, Title II, and Section 312. A copy of the Act, as codified at 12 U.S.C. §§ 3751- 3768 and the federal regulations (24 CFR 27, Subpart B, the “Regulations”) applicable to your designation are available online through the Government Printing Office website. Foreclosures HUD refers to you are to be conducted pursuant to the Act, the Regulations, and the instructions that HUD will give to you at the time of referral. HUD will pay you a commission for a completed foreclosure of $1,350.00 (a “Commission”). HUD will pay you a percentage of the Commission for cases that HUD withdraws, based on the following: e 20% of Commission for work completed if withdrawn prior to “service” of Notice of Foreclosure and Sale e 80% of Commission for work completed if withdrawn after “service” of Notice of Foreclosure and Sale but prior to foreclosure sale, including the start of publication, or posting if required. As a Foreclosure Commissioner, you are a fiduciary of the Secretary and not an employee of the Department of Housing and Urban Development or of the Federal Government. You will be responsible for your actions as any other fiduciary. This designation is effective immediately and may be revoked by HUD with or without cause pursuant to the Act. An original and two copies of this Designation are enclosed. Please sign and date them, providing your Tax Identification or Social Security Number, and return one copy to Sakeena M. Adams at 307 W 7" Street,/Ste 1000, Fort Worth, TX 76102 and send a scanned copy to [email protected].

By: 
Doc# 20250180808 09/29/2025 04:38 PM Paae & of 8 Lucy Adame-Clark. Bexar Countv Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 6 of 8 Lucy Adame-Clark, Bexar County Clerk ACCEPTANCE OF DESIGNATION 1, NEMOVI LAW GROUP, APC _ hereby accept designation as a Foreclosure Commissioner and agree to abide by the provisions of my appointment, the Act referred to above, the regulations, and the Instructions as provided to me by HUD. 8/4/2021 NEMOVI LAW GROUP, APC Date Name of Firm

By: Genail M. Nemovi Tax LD. or Social Security No.









ACKNOWLEDGEMENT State of [County/Parnsh] of by Notary Public SEE ATTACHED ACKNOWLEDGMENT 
Doc# 20250180808 09/29/2025 04:38 PM Page 7 of 8 Lucy Adame-Clark, Bexar County Clerk Doc# 20251100220 10/09/2025 08:47 AM Page 7 of 8 Lucy Adame-Clark, Bexar County Clerk

ACKNOWLEDGMENT
"A notary public or other officer completing this certificate verifies only the identity of the individual | i
who signed the document fo which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California County of_ San Diego ) On Aug. 4, 2021 before me, Cathy S- Boone (insert name and title of the officer) personally appeared G enail M. Nemov t who proved to me on the basis of satisfactory evidence to be the person(s) whase name(s) is/are subscribed to the within instrument and acknowledged to me that he hey executed the same in hisifigWtheir authorized capacity(ies), and that by hisffiepitheir signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.



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| certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. i PER CATHY WITNESS my hand and official seal. YT eh 2 BOONE t S$ San San Diege z ees y/ commer rear io { _ My Carnm Exewes Jan 2. 2022 } Signature Labbe Come _ (Seal)


Foreclosure Commissioner Designation ~ Texas












Doc# 20251100220 10/09/2025 08:47 AM Page 8 of 8 Lucy Adame-Clark, Bexar County Clerk File information eFILED IN THE OFFICIAL PUBLIC eRECORDS OF BEXAR COUNTY LUCY ADAME-CLARK, BEXAR COUNTY CLERK Document Number: 20250180808 Recorded Date: September 29, 2025 Recorded Time: 4:38 PM Total Pages: 8 Total Fees: $49.00 * THIS PAGE IS PART OF THE DOCUMENT ** ** Do Not Remove ** Any provision herein which restricts the sale or use of the described real property because of race is invalid and unenforceable under Federal law STATE OF TEXAS, COUNTY OF BEXAR | hereby Certify that this instrument was eFILED in File Number Sequence on this date and at the time stamped hereon by me and was duly eRECORDED in the Official Public Record of Bexar County, Texas on: 9/29/2025 4:38 PM 4 Hace, Akane Chante i Lucy Adame-Clark 4 Bexar County Clerk
FILE INFORMATION Document Number: 20251100220 Date/Time: 10/9/2025 8:47:07 AM Total Pages: 8 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00