8503 GARNETT

NCB 11090 BLK 1 LOT 28 HARLANDALE ACRE TRACT NO 8

Doc# 20250174519 09/19/2025 01:51 PM Page 1 of 8 Lucy Adame-Clark, Bexar County Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 1 of 8 Lucy Adame-Clark, Bexar County Clerk RECORDING REQUESTED BY: Nemovi Law Group, APC WHEN RE:‘CORDED MAIL TO: The Secretary of Housing and Urban Development 451 7th Street S.W. Washington, DC 20410 APN: 110900010280 0 0 0 NOTICE OF DEFAULT AND) FORECLOSURE SALE WHEREAS, on 08/24/2010, a certain Mortgage Deed of Trust in the amount of $127,500.00 was executed by JOHN M BARRERA as trustor in favor of BANK OF AMERICA, N.A., ‘A NATIONAL BANKING ASSICIATION as beneficiary, arid was recorded on 09/16/2010, as Instrument No. 20100167097, in Book 14645 Page 944, in the Office of the Recorder of BEXAR County, Texas; and WHEREAS, the Mortgage Deed sof Trust was insured by the United States Secretary of Housing and Urban Developm ent (““Secretary” or “H UD”) pursuant to the National Housing Act fior the purpose of providing single fam ily 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 date:d 02/07/2019, recorded on 02/27/2019, as Instrument No. 20190034715, ‘in the office of the Recorder of BEXAR County, Texas; and WHEREAS, the entire amount delinquent as of Septemlber 11, 2025 is $172,730.00; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebteclness secured by the Mortgage Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me lby the Single-Family Mortgage Foreclosure A.ct 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, 2.025 between at 10:00 AM 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 28, BLOCK 1, NCB 11090, HARLANDALE ACIRE TRACT NO. 8 AN ADDITION TO THE CITY OF SAN ANTONIO, BEXAR COUNTY, TEXAS, ACCORDING TO MAP OR PLAT THEREOF, RECORDED IN VOLUME 9510, PAGE 6, DEED AND PLAT RECORD)S OF BEXAR COUNTY, TEXAS. FC# 8300.00086  a Doc# 202501745119 09/19/2025 01:51 PM Page 2 of 8 Lucy Adame-Cl.ark, Bexar County’ Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 2 of 8 Lucy Adame-Clark, Bexar County Clerk Purportedl'y known as: 8503 GARNETT, SAN ANTONIO, TX, 78221 The sale, which will begin at the earliest time stated above or within three hours after that time, will be lheld 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 Per the Secretary, the estimated opening bid will be $180),267.00. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before cliosing, 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 cashi er’s check made payable to the Secretary of Housing and Urban Development. Tien percent of the estimztted bid amount for this sale is $18,027.00. A deposit need not accompany each oral bid. If the successiul bid is oral, a deposit of $18,027.00 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 deterinine for good cause shown, time being of the essence. This amount must be delivered in the form of a certified or cashier's check nnade payable to Nemovyi Law Group. APC. We will accept certified or cashier’s checks made payable to the bidder and endorsted 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 succe ssful bidder will pay all 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 asscxciated with the transfer of title. At the conclusion of the sale:, the deposits of the un successful 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: $5:00.00, paid in advance. The extension fee shall be in the fortn 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 tnused portion of the extension fee shall be ap plied 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 cleposit or, at the election of the Foreclosure Commissioner after consultation with tthe HUD representativi, will be liable to HUID 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 highesst bidder for an amounit equal to the highest price offered by that bidder. There is no right of redemption, or right of possession lbased 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 scheruled foreclosure sale shall be cancelled or acljourned 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 heck payable to the Secretary, before public auction of the property is completed. 2 FC# 8300.00086  Doc# 20250174519 09/19/2025 01:51 PM Page 3 of 8 Lucy Adame-Cliark, Bexar County’ Clerk Doc# 20251100175 10/02/2025 02:23 PM 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 or 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 lve cured, if applicable. A description of the deifault is as follows: A BORROWER DIES AND THE PROPERTY IS NOT THE !PRINCIPAL RESIDENCE OF AT LE.AST 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 be low. 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 Informzition please call (916) 939- 0772 or visit the website www.nationwideposting.com using the file numbeir assigned to this case FC# 8300.0008i6. 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 informatior provided thereby. Netnovi Law Group, APC and its agents do not assume any resp onsibility 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 tlhe most current inform ation. 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 andi 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 Ciuard or the Nattional 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. c ] | Date: 4 IS 2aQd NEMOVI LAW GROUP, APC Foreclosure Commis sioner 2173 Salk Ave., Suite 250 Carlsbad, CA 92008 Phone: (866) 454-7742 Sales Info: (916) 939-0772 By:
Genail M. Nemovi FC# 830:0.00086  Doc# 20250174519 09/19/2025 01:51 PM Page 4 of 8 Lucy Adame-Cliark, Bexar County Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 4 of 8 Lucy Adame-Clark, Bexar County Clerk ACKNOWLEL)IGMENT
A notary public or other officer completing this certificate ver ifies only the identity of the individual who signed the document to which this certificate is attached, and not the trutlhfulness, accuracy, or validity of that document.

State of C'alifornia ) County off San Diego ) On 4 l IS [39 , before me, SUL eK ACTIN a Notary Public, personally appeared Of AIL. Us 2677 -, who proved to me on the basis of satisfactory evidence to be the person whose namie 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 enitity 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.
SYLVIA MARTIN } Notary Public - Califa rnia Sig] _San Diego County z Commission #2444389 my Comm. Expires May 13, 2027 j


Signature a ¢ a7? CO, FC# 83010.00086  Doc# 20250174519 09/19/2025 01:51 PM Page 5 of 8 Lucy Adame-Clark, Bexar County’ Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 5 of 8 Lucy Adame-Clark, Bexar County Clerk ttt, EXHIBIT A U.S. DEPARTMENT OF HOUSING AND URBAN DEVEJLOPMENT £ *% Fort Worth Regional Office, Region VI oe xt Office of Regional Counsel 4 é 307 W 7t Street, Ste. 11900 “een nes Fort Worth, TX 76102 Phone: 817-978-5987 FAX: 817-978-5563 August 2,, 2021 FORECLOSURE COMMISSIIONER DESIGNATION To: Genail M. Nemovi Nemovi Law Group, A PC 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 meaty 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. §§ 375 I- 3768 and the federal regulations (24 CFR 27, Subpart B, the “Regulations”) applicable to your designation are available onlime through the Government Printing Offici: website. Foreclosurizs 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 Commissiom for cases that HUD withdraws, based on the following: ¢ 20% of Commission for work completed if withdrawn prior to “service” of Notice of Foreclosure and Sale © 80% of Commission for work completed if withdrawn after “‘service” of Notice of Foreclosure and Sale tout prior to foreclosure sale, including the start of publication, or posting if required. A\s a Foreclosure Commissioner, you are a fiduciary of the Secretary and not an employe of the Department of Housing; and Urban Developnnent 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 sigzn 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 76 102 and send a scanned copy to [email protected]év.




By: 5 eeria M. Adlams, Regional Counsel  Doc# 20250174519 09/19/2025 01:51 PM Page 6 of 8 Lucy Adame-Chark, Bexar County’ Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 6 of 8 Lucy Adame-Clark, Bexar County Clerk ACCEPTANCE OF DESIGNATION 1, NEMOVILAW 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 NEMOV! LAW GiROUP, APC Date Name of Firm Jv By: Genail M. Nernovi = Tax 1D. or Soc:ial Security No. ACKNOWLEDIGEMENT ~ State oN {County/Parrish] of


This instrument was :acknowledg on the day of ,20_, by a Notary Public — a SEL: ATTACHED ACKNOWLEDGMENT  Doc# 20250174519 09/19/2025 01:51 PM Page 7 of 8 Lucy Adame-Clark, Bexar County’ Clerk Doc# 20251100175 10/02/2025 02:23 PM Page 7 of 8 Lucy Adame-Clark, Bexar County Clerk


ACKNOWLEDIGMENT















certificate verifies only the identity of the individue who signed the document fo which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. | State of Caliigmia County of San Diego ) A notary public or other officer completing this 1 ul




on Fimg- 4.2521 before me, _ (Cota J Boone (insert name and title of the officer) personally appeared G ena:\ MW. N emo | who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowled¢jed to me that he. they executed the samne in hisitigitheir authorized capacity(ies), and that by hiaffieptheir signature(s ) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. —!'
| certify under PENALTY OF PERJURY under the laws of the State of Cailifornia that the foregcing paragraph is true and correct. WITNESS my hand and official seal. ? scours CBX bome - ss (Seal)

Foreclosure Commissioner Des iqnahoan-Texas  Doc# 20251100175 10/02/2025 02:23 PM Page 8 of 8 Lucy Adame-Clark, Bexar County Clerk File Information eFILED IN THE OFFICIAL PUBLIC eRE:CORDS OF BEXAR COUNTY LUCY ADAME-CLARK, BEXAR COUNTY CLERK Document Number: 202750174519 Recorded Date: September 19, 2025 Recorded Time: 1:51PM Total Pages: 8 Total Fees: $49).00 ** THIS PAGE IS PART OF THE DO'CUMENT ** * Do Not Remove * Any provision herein which restricts the sale cir use of the described real property because of race is invatid and unenforceable under Federal law STATE OF TEXAS, COUNTY OF BEXAR | hereby Certify that this instrument was eFILI=D in File Number Sequence on this date anci at the time stamped hereon by me and was duly eRECO-RDED in the Official Public Record of Bexar County, Texas on: 9/19/2025 1:51 PM Rate, Adare Chane Lucy A dame-Clark Bexar (Zounty Clerk

FILE INFORMATION Document Number: 20251100175 Date/Time: 10/2/2025 2:23:27 PM Total Pages: 8 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME -CLARK BEXAR COUNTY CLERK Total Fees: $2.00