2712 CROSS OAK PL

TIMBER CREEK PHASE 3 CMC, BLK A, LOT 4

NOTICE OFSUBSTITUTE TRUSTEE SALE DeedofTrustDate:

Grantor( s)/Mortgagor( s): 10/6/2022MELVIN LENZYANDANDREA LENZY, HUSBAND AND WIFE OriginalBeneficiary/ Mortgagee:


Current Beneficiary/ Mortgagee:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.

Lakeview LoanServicing, LLCMERS")SOLELY ASANOMINEE FORFAIRWAY INDEPENDENT MORTGAGE CORPORATION, ITSSUCCESSORS ANDASSIGNS Recorded in:

Property County: Volume: N/ACOLLIN Page: N/A Instrument No:2022000151902 Mortgage Servicer:

Mortgage Servicer' sAddress: M&TBankisrepresentingtheCurrentBeneficiary/ Mortgagee under a 1Fountain Plaza, servicing agreement withtheCurrentBeneficiary/ Mortgagee.
Buffalo, NY14203 DateofSale: 11/4/2025Earliest TimeSaleWillBegin: loam PlaceofSaleofProperty:CollinCountyCourthouse, 2100Bloomdale Road,McKinney, TX75071ORINTHEAREADESIGNATED BY THECOMMISSIONER' SCOURT,PURSUANT TOSECTION 51.002OFTHETEXASPROPERTY CODE. LegalDescription: BEINGLOT4,INBLOCKA,OFTIMERCREEK,PHASE3,ANADDITION TOTHECITYOFMCKINNEY, COLLINCOUNTY,TEXAS, ACCORDING TOTHEMAPTHEREOF RECORDED INVOLUME2017,PAGE713,OFTHEPLATRECORDS OFCOLLINCOUNTY, TEXAS. InaccordancewithTEx.PROP.CODE§51.0076andtheDeedofTrustreferencedabove,theundersignedasattorneyforMortgageeorMortgageServicerdoeshereby removetheoriginalTrusteeandallsuccessorsubstitutetnisteesandappointsintheirstead, PhillipPierceall, DouglasRodgers, TerryWaters, BruceMiller,Ashlee Luna, JoshuaSanders, RamiroCuevas, ShawnSchiller, LaurenGuy, ConradWallace, PatrickZwiers, AngieUselton, LisaBruno, MistyMcMillan, DanielHart, Auction.comLLC, Francesca Ortolani,ShelleyOrtolani,MaryMancuso, LizHach,MicheleHreha,CarolDunmonorPaytonHreha,ColePatton,MyraHomayoun, ThuyFrazier,McCarthy& Holthus,LLP,asSubstituteTrustee,whoshallhereafterexerciseallpowersanddutiessetasidetothesaidoriginalTrusteeundertheresaid DeedofTrust; and, further, doesherebyrequest, authorize, andinstructsaidSubstituteTrusteetoconductanddirecttheexecutionofremediessetasidetothe beneficiary therein TheSubstituteTrusteewillsellthepropertybypublicauctiontothehighestbidderforcashattheplaceanddatespecified.
Thesalewillbeginattheearliesttime statedaboveorwithinthree(3)hoursafterthattime. ThePropertywillbesold"ASIS,"withoutanyexpressorimpliedwarranties,exceptastowarrantiesoftitle,andatthepurchaser'sownrisk,pursuanttothetermsof TEx.PROP.CODE§51.002and§5I.009.ProspectivebiddersareadvisedtoconductanindependentinvestigationofthenatureandphysicalconditionoftheProperty. SubstituteTrusteereservestherighttosetfurtherreasonableconditionsforconductingthepublicauction. Anysuchfurtherconditionsshallbeannouncedbefore biddingisopenedforthefirstsaleofthedayheldbySubstitute Trustee. THISINSTRUMENT APPOINTS THESUBSTITUTE TRUSTEE( S) IDENTIFIED TOSELLTHEPROPERTY DESCRIBED INTHESECURITY INSTRUMENT IDENTIFIED INTHISNOTICEOFSALE.THEPERSONSIGNINGTHISNOTICEISTHEATTORNEY ORAUTHORIZED AGENT OFTHEMORTGAGEE ORMORTGAGE SERVICER. NOTICE PURSUANT TOTEX.PROP.CODE§51.002(1): ASSERT ANDPROTECT YOURRIGHTSASMEMBER OFTHEARMEDFORCES OFTHE UNITED STATES. IFYOUORYOURSPOUSE ARESERVING ONACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTYASA MEMBER OFTHETEXASNATIONAL ORTHENATIONAL GUARDOFANOTHER STATEORASAMEMBER OFARESERVE COMPONENT OF THEARMEDFORCESOFTHEUNITEDSTATES,PLEASESENDWRITTEN NOTICEOFTHEACTIVEDUTYMILITARY SERVICE TOTHE SENDER OFTHISNOTICE IMMEDIATELY.

Dated: 9/8/2025Day
:


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}`6-(SCrPrtnled Name Shelley0ni ThuyFrazier,Attorney Substitute Trustee McCarthy& Holthus, LLPc/oAuction. com 1255West15thStreet, Suite1060 1255West15thStreet,Suite1060 Plano, TX75075Plano, TX75075 5p1,4 Attorneys forM&TBank https:// sales. mccarthyholthus. com/


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D N MHFileNumber:
TX-25-122404- POS LoanType:Conventional Residential