415 CYPRUS GROVE DR

LAKEPOINTE PHASE IIA CLA, BLK U, LOT 14

2025SEP29PM12: 16 TS#:
25-011904 LOAN TYPE: VA NOTICE OFTRUSTEE' SFORECLOSURE SALCOLYCtLINCOUNTY. TEXAS Y —
DEPUTY AssertandprotectyourrightsasamemberofthearmedforcesoftheUnitedStates. Ifyou areoryourspouseisservingonactivemilitaryduty, includingactivemilitarydutyasa memberoftheTexasNationalGuardortheNationalGuardofanotherstateorasamember ofareservecomponentofthearmedforcesoftheUnitedStates, pleasesendwrittennoticeof theactivedutymilitaryservicetothesenderofthisnoticeimmediately. 1.PropertytoBeSold. Thepropertytobesoldisdescribedasfollows: LOT14, BLOCKU, OFLAKEPOINTE PHASEHA,ANADDITION TOTHECITY OFLAVON,
COLLIN COUNTY,
TEXAS,
ACCORDING TOTHEMAPORPLAT THEREOF RECORDED INVOLUME2021, PAGE713, OFTHEPLATRECORDS OF COLLIN COUNTY, TEXAS. 2.InstrumenttobeForeclosed. Theinstrumenttobeforeclosedisthedeedoftrustrecorded on07/19/2023 asinstrument 2023000081117 , inBook, Page, oftherealpropertyrecordsof COLLIN County,TX. 3.Date, Time, andPlaceofSale. Thesaleisscheduledtobeheldatthefollowingdate, time,andplace: Dated:


11/04/2025 Time:


Thesalewillbeginnoearlierthan10:00A.M. ornolaterthanthree hoursthereafter. Place THE FRONT STEPS OFTHE COLLIN COUNTY COURTHOUSE LOCATED AT2100BLOOMDALE ROAD, MCKINNEY,
TX75071;
ORASDESIGNATED BYTHE COUNTYCOMMISSIONER' SOFFICEoranareadesignatedby theCountyCommissioners Court TheDeedofTrustpermitstheMortgageetopostpone, withdraw, orreschedulethesaleforanother day. Inthatcase, thetrusteeorsubstitutetrusteeundertheDeedofTrustneednotappearatthe date,
time,
andplaceofascheduled sale toannounce thepostponement,
withdrawal,
or rescheduling. Noticeofthedateofanyrescheduled foreclosuresalewillberepostedandrefiledin accordancewiththepostingandfilingrequirementsoftheTexasPropertyCode. Therepostingor refiling maybeafterthedateoriginally scheduled forthissale.4.TermsofSale. Thesalewillbeconducted asapublicauctiontothehighestbidderforcash, subjecttotheprovisions oftheDeedofTrustpermitting thebeneficiary thereunder tohavethebid creditedtothenoteuptotheamountoftheunpaiddebtsecuredbythedeedoftrustatthetimeof sale. Thosedesiringtopurchasethepropertywillneedtodemonstratetheirabilitytopaycashontheday theproperty issold. ThesalewillbemadeexpresslysubjecttoanytitlematterssetforthintheDeedofTrust, but prospective biddersareremindedthatbylawthesalewillnecessarily bemadesubjecttoallprior mattersofrecordaffectingtheproperty, ifany, totheextentthattheyremaininforceandeffectand havenotbeensubordinated totheDeedofTrust. Thesaleshallnotcoveranypartoftheproperty thathasbeenreleasedofpublicrecordfromthelienofthedeedoftrust. Prospective biddersare stronglyurgedtoexaminetheapplicable propertyrecordstodetermine thenatureandextentof suchmatters, ifany. PursuanttotheDeedofTrust, thebeneficiaryhastherighttodirecttheTrusteetoselltheproperty inoneormoreparcelsand/ortosellalloronlypartoftheproperty. PursuanttoSection51.009oftheTexasPropertyCode, thepropertywillbesoldin "asis, where is" condition, withoutanyexpressorimpliedwarranties, exceptastothewarrantiesoftitle (ifany) providedforunderthedeedoftrust. Prospective biddersareadvisedtoconductanindependent investigation ofthenatureandphysicalconditionoftheproperty. PursuanttoSection51.0075oftheTexasPropertyCode, thetrusteereservestherighttosetfurther reasonable conditions forconducting thesale. Anysuchfurtherconditions shallbeannounced beforebiddingisopenedforthefirstsaleofthedayheldbythetrusteeoranysubstitutetrustee. 5.


TypeofSale. Thesaleisanonjudicialdeed-of-trustlienforeclosuresalebeingconducted pursuanttothepowerofsalegrantedbytheDeedofTrustexecutedby JUANPABLOGUTIERREZ RAMOS, ASINGLE MAN 6.


Obligations Secured.
TheDeedofTrustprovidesthatitsecuresthepaymentofthe indebtednesses andobligations therein described (collectively, the "Obligations") including butnot limitedto (a) thepromissorynoteintheoriginalprincipalamountof$411,600.00, andpayableto theorderofMORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC (MERS) AS NOMINEE FORFIRST BANK; ( b) allrenewals andextensions ofthenote, ifapplicable; ( c) anyandallpresentandfutureindebtednesses owedtoAMERIHOME MORTGAGE COMPANY, LLC, ITSSUCCESSORS ANDASSIGNS whoisthecurrentownerandholderof the "Obligations" andisthecurrent Mortgagee under theDeedofTrust.MortgageServicingInformation. ServiceMac, LLC, isactingastheMortgageServicerfor AMERIHOME MORTGAGE COMPANY, LLC,ITSSUCCESSORS ANDASSIGNS,who istheMortgageeoftheNoteandDeedofTrustassociatedwiththeabovereferencedloan. ServiceMac, LLC, asMortgageServicer, isrepresentingtheMortgageewhoseaddressis: AMERIHOME MORTGAGE COMPANY, LLC,ITSSUCCESSORS ANDASSIGNSC/O ServiceMac, LLC, 9726OldBailesRoad, Suite200, IndianLand, SC29707. TheMortgageServicerisauthorizedtorepresenttheMortgageebyvirtueofaservicingagreement withtheMortgagee. PursuanttotheServicingAgreementandTexasPropertyCode §51.0025, the MortgageServicerisauthorizedtocollectthedebtandadministeranyresultingforeclosureofthe property securing theabove-reference loan. 7.


DefaultandRequesttoAct.
DefaulthasoccurredundertheDeedofTrust,
andthe Mortgageehasrequestedme, asKirkSchwartz, JustinRitchie, CarsonEmmons, JeffreyKramer,
America WestLender Services
( AWEST),
DeeAnn Gregory,
Payton Hreha, FrancescaOrtolani, ShelleyOrtolani, MaryMancuso, LizHach, MicheleHrehaorCarol Dunmontoconductthissale. NoticeisgiventhatbeforethesaletheMortgageemayappoint anotherpersonsubstitute trusteetoconduct thesale. Date:
qP


I Lki'LA, KirkSchwartz, Just'

'tchie, CarsonEmmons,JeffreyKramer,AmericaWestLender Services ( AWEST),


AnnGregory,PaytonHreha,FrancescaOrtolani,ShelleyOrtolani, MaryMancuso, LizHach,MicheleHrehaorCarolDunmon C/OAmericaWestLenderServices 5404CypressCenterDrive,Suite300 Tampa, FL33609 844-693-4761 Fax: 877-317-0475