4110 HOWCHER ST

LT 3 BLK 5 BAYOU TERRACE

TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2025-7506 FILED 10/13/2025 10:08:50 AM NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS on January 14, 2005 a certain Adjustable Rate Home Equity Conversion Deed of Trust (“Deed of Trust”) was executed by FRANCES J. HOBBS, A SINGLE WOMAN, as mortgagors to ROBERT K. FOWLER, as Trustee, for the benefit of FINANCIAL FREEDOM SENIOR FUNDING CORPORATION, A SUBSIDIARY OF INDYMAC BANK, F.S.B. and was recorded on February 3, 2005 in the Official Public Records of Real Property of HARRIS County Texas undér Document No. Document No. ¥236428; and WHEREAS the Deed of Trust was insured by the United States Secretary of Housing and Urban Development (“the Secretary”) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS the beneficial interest in the Deed of Trust is now owned by the Secr pursuant to an assignment dated June 13, 2014, recorded in the Official Public Record | Property of HARRIS County Texas under Document No. 20140254728; and



ist in sidence of at WHEREAS a default has been made in the covenants and conditions of the that a borrower is deceased and the Property (hereinafter defined) is not the pxinci least one surviving borrower; and WHEREAS the entire amount delinquent as o ember 4, 2025, is $132,297.53; and

ary’has declared the entire amount of the iately due and payable.

NOW THE RE, puirsuan’ jowers vested in me by the Single-Family Mortgage Foreclosure of 12 . 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretar ignatiof.of me “as Foreclosure Commissioner dated July 13, 2022 and recorded in ub Records of HARRIS County, Texas-under Document No. RP-2023- ber 4, 2025, between the hours of 10:00 AM and 1:00 PM Central Standard Time,




*) will be sold at public auction to the highest bidder: LOT THREE (3) IN BLOCK FIVE (5) OF BAYOU TERRACE, A SUBDIVISION IN HARRIS COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF, RECORDED IN VOLUME 51, PAGE 12 OF THE MAP RECORDS OF HARRIS COUNTY, TEXAS. Commonly known as 4110 HOWCHER STREET, HOUSTON, TX 77047 The sale will be held between the hours of 10:00 AM and 1:00 PM at public venue in the area designated by the HARRIS County Commissioners Court pursuant to Section 51.002 of the Texas Property Code as the place where foreclosure sales are to take place, or if no place is designated by the Commissioners Court, the sale will be conducted at the place where this Notice of Default and Foreclosure Sale was posted. The earliest time the sale will occur is 10:00 AM Central Standard Time. 2025-003 128NODFSPubPostFileMail Hobbs 11.4.2025Harris
 TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2025-7506 FILED 10/13/2025 10:08:50 AM
Thi of Housing and Urban Development will bid $132,297.53, aproration of taxes, rents or other income or liabilities, except that the e closing, his pro-rata share of any real estate taxes that have been paid he foreclosure sale.

























There Ptime ag the Secretary may determine for good cause shown, time deposits, must be delivered in the form ofa certified or bidder, he need not pay the bid amount in cash. The | real estate and other taxes that are due on or after the and all other costs associated with the transfer of successful bidder will pay all con delivery date of the remainder o within which to deliver the remainder of the for a fee of $500.00, paid in advance. The r’s check made payable to the Secretary of e expiration of any extension period, the unused rd the amount due. payment. All extensions will be for 15- extension fee shall be in the form of a certi red as a result of such failure. The entative, offer the property to the second ed by that bidder. representative, will be liable to HUD for any cos Commissioner may, at the direction of the HUD: re highest bidder for an amount equal to the highest price o 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) u: of the entire purchase price in accordance with the terms of the sale as provided herein doe§ Rot guarantee that the property will be vacant. ,








s established, by t less than 3 days e¢fosure is based The scheduled foreclosure sale shall be cancelled or adjo documented written application of the mortgagor to the Foreclosure Co before the date of sale, or otherwise, that the default or defaults upon did not exist at the time of service of this notice of default and foreclosure under the mortgage agreement are tendered to the Foreclosure Commissione or cashier’s check payable to the Secretary of HUD, before public auction 6 completed. of a certified oO 2025-003 128NODFSPubPostFileMailHobbs | 1.4.2025Harris remainder of the purchase price must be delivered within . operty is
 TENESHIA HUDSPETH, COUNTY CLERK, HARRIS COUNTY, TEXAS FRCL-2025-7506 FILED 10/13/2025 10:08:50 AM
The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is $132,297.53 as of November 4, 2025 plus per diem interest from and after such date until paid in full, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. 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. Date: October 7, 2025


Foreclosure Commissioner
2025-003128NODFSPubPostFileMailHobbs | 1 .4.2025Harris