1885 STUART RD

CB 5120 P-11D (OUT OF P-11B) ABS 207

Doc# 20251100240 10/09/2025 09:28 AM Page 1 of 4 Lucy Adame-Clark, Bexar County Clerk
mg A a NOTICE OF SUBSTITUTE TRUSTEE’S SALE T.S. #: 2022-03513 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 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, Time, and Place of Sale - The sale is scheduled to be held at the following date, time and place: Date: 11/4/2025 | Time: The earliest time the sale will begin is 10:00 AM , or within three (3) hours after | that time. | Place: Bexar County Courthouse, Texas, at the following location: 100 Dolorosa, San Antonio, TX 78205 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 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: SEE ATTACHED EXHIBIT 'A' Commonly known as: 1885 Stuart Rd Adkins, TX 78101 Instrument to be Foreclosed — The instrument to be foreclosed is the Deed of Trust dated 9/28/2018 and recorded in the office of the County Clerk of Bexar County, Texas, recorded on 10/11/2018 under County Cilerk’s File No 20180201546, in Book -- and Page -- The subject Deed of Trust was modified by Loan Modification recorded as Instrument No. 20210259940 and recorded on 9/17/2021. of the Real Property Records of Bexar County, Texas. Grantor(s): Alonzo Garcia Jr. and Lorena Ruiz, husband and wife | Original Trustee: Scott R. Valby Substitute Trustee: Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, Deanna Ray, Robert Valdespino, Brenda Rolon, Olivia Valdespino, Abstracts/Trustees of Texas, LLC, Jim Mills, Susan Mills, George Hawthorne, Andrew Mills-Middlebrook, Kyle Walker, Ed Henderson, Alexis Martin, Cassie Martin, Troy Martin, Deborah Martin, Terri Martin, Shelby Martin, Jeff Benton, Elizabeth Anderson, Martha Rossington, Reyn Rossington, Brian Hooper, Mike Jansta, Mike Hayward, Jay Jacobs, Brenda Rolon, Dena Ray, Olivia Valdespino, Robert Valdespino Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Mortgage Research Center, LLC dba Veterans United | Home Loans, its successors and assigns
 Doc# 202 51100240 10/09/2025 09:28 AM Page 2 of 4 Lucy Adame-Clark, Bexar County Clerk T.S. #: 2022-03513 Current Mortgagee: Freedom Mortgage Corporation 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. Obligations Secured - 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 $280,000.00, executed by Alonzo Garcia Jr. and Lorena Ruiz, husband and wife, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans, 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.

Doc# 20251100240 10/09/2025 09:28 AM Page 3 of 4 Lucy Adame-Clark, Bexar County Clerk T.S. #: 2022-03513 patedOCT 09 2025 Nestor Solutions, LLC, Auction.com, LLC, Xome Inc., Tejas Corporate Services, LLC, Deanna Ray, Robert Valdespino, Brenda Rolon, Olivia Valdespino, Abstracts/Trustees of Texas, LLC, Jim Mills, Susan Mills, George Hawthorne, Andrew Mills-Middlebrook, Kyle Walker, Ed Henderson, Alexis Martin, Cassie Martin, Troy Martin, Deborah Martin, Terri Martin, Shelby Martin, Jeff Benton, Elizabeth Anderson, Martha Rossington, Reyn Rossington, Brian Hooper, Mike Jansta, Mike Hayward, Jay Jacobs, Brenda Rolon, Dena Ray, Olivia Valdespino, Robert Valdespino conan qT



c/o Nestor Solutions, LLC 214 Sth Street, Suite 205 Huntington Beach, California 9 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 5th Street, Suite 205 Huntington Beach, California 92648
 Doc# 20251100240 10/09/2025 09:28 AM Page 4 of 4 Lucy Adame-Clark, Bexar County Clerk T.S. #: 2022-03513 LEGAL DESCRIPTION Being 1.000 acre of land in Bexar County, Texas situated in the A. Deffenbough Survey No. 137, Abstract No. 207, County Block 5120, and being a part of that certain 25.00 acre tract described in deed recorded in Volume 11154, Page 338 of the Official Public Records of Real Property of Bexar County, Texas. Said 1.000 acres is more particularly described by metes and bounds as follows: Beginning at a 1/2” iron rod set on the north line of Stuart Road at the southwest corner of said 25.00 acre tract, the southeast comer of the Glenda J. Rusin 95.442 acre tract ("03- PC2216", Probate Court Records) for the southwest corner of this tract; THENCE with the west line of said 25.00 acre tract, North 13 degrees 35 minutes 02 seconds East for a distance of 242.03 feet to a 1/2” iron rod set for the northwest comer of this tract: THENCE south 77 degrees 18 minutes 25 seconds East for a distance of 180.00 feet to a 1/2" iron rod set for the northeast of this tract; THENCE South 13 degrees 35 minutes 02 seconds West for a distance of 242.03 feet to a 1/2" iron rod set on the north line of Stuart Road, being the south line of said 25.00 acres, for the southeast corner of this tract; THENCE with the north line of Stuart Road, North 77 degrees 18 minutes 25 seconds West for a distance of 180.00 feet to the Point of Beginning, containing 1.000 acre of land. FILE INFORMATION Document Number: 20251100240 Date/Time: 10/9/2025 9:28:16 AM Total Pages: 4 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00