2705 WILLOW LN

NORTH CREEK ESTATES PHASE 6B CML, BLK K, LOT 77

NOTICEOFACCELERATION ANDNOTICEOFTRUSTEE' SSALE ASSERTANDPROTECTYOURRIGHTSASAMEMBEROFTHEARMEDFORCESOFTHEUNITEDSTATES. IFYOUAREORYOURSPOUSEISSERVINGONACTIVEMILITARYDUTY, INCLUDING ACTIVE MILITARY DUTYASAMEMBEROFTHETEXASNATIONAL GUARDORTHENATIONAL GUARDOF ANOTHERSTATEORASAMEMBEROFARESERVECOMPONENT OFTHEARMEDFORCESOFTHE UNITEDSTATES, PLEASESENDWRITTENNOTICEOFTHEACTIVEDUTYMILITARYSERVICETOTHE SENDER OFTHISNOTICE IMMEDIATELY. DEEDOFTRUST INFORMATION: Date:

12/30/2020 Grantor( s):

RICOGARZA ANUNMARRIED MAN Original Mortgagee:

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.,SOLELYAS NOMINEE FORBROOKHOLLOW MORTGAGE SERVICES, LTD,ITS SUCCESSORS ANDASSIGNS Original Principal:

$ 322,068.00 Recording Information:

Instrument 20210104000001870 Property County:

Collin Property:

( SeeAttached Exhibit" A") Reported Address:

2705WILLOW LANE,MELISSA, TX75454 MORTGAGE SERVICING INFORMATION: TheMortgageServicer,ifnottheCurrentMortgagee,isrepresentingtheCurrentMortgageepursuanttoaMortgageServicingAgreement. Current Mortgagee:

IdahoHousingandFinanceAssociation Mortgage Servicer:

IdahoHousingandFinanceAssociation CurrentBeneficiary:

IdahoHousingandFinanceAssociation Mortgage Servicer Address:

565W.Myrtle,Boise,ID83702 SALEINFORMATION: DateofSale:

Tuesday,the5thdayofAugust,2025 TimeofSale:

10:00AMorwithinthreehoursthereafter. PlaceofSale:

THEFRONTSTEPSOFTHECOLLIN COUNTY COURTHOUSE LOCATED AT2100 BLOOMDALE ROAD, MCKIN1NEY, TX75071; ORASDESIGNATED BYTHE COUNTYCOMMISSIONER' SOFFICEinCollinCounty, Texas, Or, ifthepreceding area(s) is/arenolongerthearea(s) designated bytheCollinCountyCommissioner' s Court,attheareamostrecentlydesignatedbytheCollinCountyCommissioner' sCourt. WHEREAS, theabove-namedGrantorpreviouslyconveyedtheabovedescribedpropertyintrusttosecurepayment oftheNotesetforthintheabove-described DeedofTrust;and WHEREAS, adefaultundertheNoteandDeedofTrustwasdeclared; suchdefaultwasreportedtonothavebeen cured;andallsumssecuredbysuchDeedofTrustweredeclaredtobeimmediately dueandpayable;and WHEREAS, theoriginalTrusteeandanypreviouslyappointedSubstituteTrusteehasbeenremovedandPhillip Pierceall,DouglasRodgers,TerryWaters,BruceMiller,AshleeLuna,JoshuaSanders,RamiroCuevas,ShawnSchiller, LaurenGuy,ConradWallace,PatrickZwiers,AngieUselton,LisaBruno,MistyMcMillan,DanielHart,Auction.comLLC, BradenBarnes,RachelDonnelly,orJamieE. Silver,anytoact,havebeenappointedasSubstituteTrusteesandrequestedto sellthePropertytosatisfytheindebtedness; and WHEREAS, theundersigned lawfirmhasbeenrequestedtoprovidethesenoticesonbehalfoftheCurrent Mortgagee, Mortgage Servicer andSubstitute Trustees; NOW,THEREFORE, NOTICEISHEREBYGIVENoftheforegoingmattersandthat: 1.
ThematurityoftheNotehasbeenaccelerated andallsumssecuredbytheDeedofTrusthavebeendeclaredtobe immediately dueandpayable. 2.
PhillipPierceall, DouglasRodgers,TerryWaters,BruceMiller,AshleeLuna,JoshuaSanders,RamiroCuevas,Shawn Schiller,LaurenGuy,ConradWallace,PatrickZwiers,AngieUselton,LisaBruno,MistyMcMillan,DanielHart, Auction.comLLC,BradenBarnes,RachelDonnelly,orJamieE.Silver,anytoact,asSubstituteTrusteewillsellthe Propertytothehighestbidderforcashonthedate,attheplace,andnoearlierthanthetimesetforthaboveintheSale Information sectionofthisnotice. Thesalewillbeginwithinthreehoursafterthattime. 3.
Thissaleshallbesubjecttoanylegalimpediments tothesaleofthePropertyandtoanyexceptionsreferencedinthe DeedofTrustorappearingofrecordtotheextentthesamearestillineffectandshallnotcoveranypropertythathas beenreleased fromthelienoftheDeedofTrust. 1 C1 1 9658-3179 2147045947 PG1 POSTPKG4.
Nowarranties,expressorimplied,includingbutnotlimitedtotheimpliedwarrantiesofmerchantabilityandfitnessfora particularpurposeshallbeconveyedatthesale,saveandexcepttheGrantor'swarrantiesspecificallyauthorizedbytheGrantor intheDeedofTrust. Theproperty shallbeoffered" AS-IS",
purchasers willbuytheproperty" atthe purchaser'sownrisk"and"athisperil",andnorepresentation ismadeconcerningthequalityornatureoftitletobe acquired. PurchaserswillreceivewhateverinterestGrantorandGrantor'sassignshaveintheproperty,subjecttoanyliensorinterestsofanykindthatmaysurvivethesale. Interestedpersonsareencouragedtoconsultcounseloftheir choicepriortoparticipating inthesaleoftheproperty. SubstituteTrustee(s);PhillipPierceall,DouglasRodgers,TerryWaters,BruceMiller,AshleeLuna,JoshuaSanders,Ramiro Cuevas,ShawnSchiller,LaurenGuy,ConradWallace,PatrickZwiers,AngieUselton,LisaBruno,MistyMcMillan,DanielHart,Auction.comLLC,BradenBarnes,RachelDonnelly,orJamieE.Silver,anytoact. SubstituteTrusteeAddress: 14841DallasParkway,Suite350,Dallas,TX75254 Document Preparedby: Bonial& Associates, P.C. 14841DallasParkway, Suite350,Dallas,TX75254 ASATTORNEY FORTHEHEREIN IDENTIFIED MORTGAGEE AND/OR MORTGAGE SERVICER Certificate ofPosting Iamwhoseaddressis14841DallasParkway, Suite350, Dallas, TX75254. Ideclare underpenaltyofperjurythat onIfiledand/ orrecordedthisNoticeofForeclosure Saleatthe officeoftheCollinCountyClerkandcausedittobepostedatthelocationdirectedbytheCollinCountyCommissionersCourt. By: Exhibit" A" LOT77, BLOCKK, OFTHENORTHCREEKESTATES, PHASE6B, ANADDITION TOTHECITYOFMELISSA, COLLINCOUNTY,TEXAS,ACCORDING TOTHEMAPORPLATTHEREOF RECORDED INVOLUME2020,PAGE 499,MAPAND/ORPLATRECORDS, COLLIN COUNTY, TEXAS. Return to:Bonial&Associates, P.C., 14841DallasParkway, Suite350,Dallas,TX75254 9658-3179 2147045947 PG2 POSTPKG

4 Bed, 3 Bath, Estimated value: $465,104 Avg ($/sqft: 201, 4 Bed , 2 Bath) # listed: 21