NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on October 30, 2009, a certain Deed of Trust was executed by Dorothy Jean McPhaul and Willis C. McPhaul as mortgagor in favor of MetLife Home Loans, a division of MetLife Bank, N.A. as beneficiary and Robert K Fowler as trustee, and was recorded on, November 6, 2009, as Instrument No. 2009185977 in the Office of the County Clerk, Travis County, Texas; 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 Secretary pursuant to an assignment dated May 6, 2015, and recorded on May 13, 2015, as Instrument No. 2015074010 in the office of the County Clerk, Travis County, Texas; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that all borrowers are deceased; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust to be immediately due and payable. NOW, THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary's designation of me as Foreclosure Commissioner, recorded on September 3, 2024 as Instrument No. 2024097599 notice is hereby given that on March 3, 2026 at 1:00 p.m. local time, or not later than three hours thereafter, all real and personal property at or used in connection with the following described premises ("Property") will be sold at public auction to the highest bidder: FIELD NOTES DESCRIBING 0.195 OF AN ACRE OF LAND, BEING A PORTION OF LOTS 2 AND 3, FOREST HILLS "C", A SUBDIVISION RECORDED IN VOLUME 5, PAGE 141, PLAT RECORDS, TRAVIS COUNTY, TEXAS, SAME BEING THAT CERTAIN WILLIS AND DOROTHY MCPHAUL TRACT RECORDED IN VOLUME 3205, PAGE 1182, DEED RECORDS, TRAVIS COUNTY, TEXAS, SAID 0.195 OF AN ACRE OF LAND TO BE MORE PARTICULARLY DESCRIBED BY METES AND BOUNDS AS FOLLOWS: BEGINNING AT AN IRON ROD SET IN THE NORTHERLY RIGHT-OF-WAY LINE OF E. 32ND STREET, AT THE SOUTHWEST CORNER OF SAID LOT 2, AND THE SOUTHEAST CORNER OF SAID LOT 3, AT A POINT IN THE SOUTHERLY LINE OF SAID MCPHAUL TRACT, FOR A POINT IN THE SOUTHERLY LINE HEREOF; THENCE NORTH 60 DEGREES 11 MINUTES 00 SECONDS WEST, ALONG SAID RIGHT-OF-WAY LINE AND THE SOUTHERLY LINE OF SAID MCPHAUL TRACT, 15.05 FEET TO AN IRON ROD FOUND IN SAID LINE, AT THE SOUTHEAST CORNER OF THAT CERTAIN WILLIAM THOGERSEN TRACT RECORDED IN DOCUMENT NUMBER 2008012159, OFFICIAL PUBLIC RECORDS, SAID COUNTY, SAME BEING THE SOUTHWEST CORNER OF SAID MCPHAUL TRACT, FOR THE SOUTHWEST CORNER HEREOF; THENCE NORTH 26 DEGREES 55 MINUTES 00 SECONDS EAST, ALONG THE COMMON LINE OF SAID MCPHAUL TRACT AND SAID THOGERSEN TRACT, 150.30 FEET TO A MAG NAIL SET IN THE SOUTHERLY LINE OF LOT 18, FOREST HILLS "D", SECTION 2, A SUBDIVISION RECORDED IN VOLUME 6, PAGE 60, PLAT RECORDS, SAID COUNTY, BEING THE NORTHWEST CORNER OF SAID MCPHAUL TRACT, FOR THE NORTHWEST CORNER HEREOF; THENCE ALONG THE SOUTHERLY LINE OF SAID LOT 18 AND THE NORTHERLY LINE OF SAID MCPHAUL TRACT, SOUTH 60 DEGREES 11 MINUTES 00 SECONDS EAST, 4.00 FEET TO AN IRON ROD SET AND SOUTH 76 DEGREES 17 MINUTES 00 SECONDS EAST, 38.75 FEET TO A MAG NAIL SET IN SAID LINE, AT THE NORTHWEST CORNER OF SAID CERTAIN LUKE TORN TRACT RECORDED IN VOLUME 11288, PAGE 260, REAL PROPERTY RECORDS, SAID COUNTY, SAME BEING THE NORTHEAST CORNER OF SAID MCPHAUL TRACT, FOR THE NORTHEAST CORNER HEREOF; THENCE SOUTH 17 DEGREES 36 MINUTES 00 SECONDS WEST, ALONG THE COMMON LINE OF SAID TORN TRACT AND SAID MCPHAUL TRACT, 156.29 FEET TO AN IRON ROD FOUND IN THE SAID RIGHT-OF-WAY LINE, IN THE SOUTHERLY LINE OF SAID LOT 2, BEING IN C CURVE TO THE RIGHT, HAVING A RADIUS OF 168.08 FEET, SAME BEING THE SOUTHEAST CORNER OF SAID MCPHAUL TRACT, FOR THE SOUTHEAST CORNER HEREOF; THENCE ALONG RIGHT-OF-WAY LINE THE SOUTHERLY LINE OF SAID LOT 2 AND SAID MCPHAUL TRACT, ALONG SAID CURVE TO THE RIGHT WHOSE CHORD BEARS, NORTH 69 DEGREES 06 MINUTES 00 SECONDS WEST, 52.28 FEE TO THE POINT OF BEGINNING AND CONTAINING 0.195 OF AN ACRE OF LAND. Commonly known as: 1708 E 32nd St, Austin, TX 78722 The sale will be held at the rear sallyport inside of the Travis County Courthouse located on the west side which is immediately south of and slightly east of the intersection of 11th street and San Antonio Street, or as designated by the County Commissioners Court. The Secretary of Housing and Urban Development will bid $722,573.74. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $72,257.37 in the form of a certified check or cashier's check made out to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $72,257.37 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier's check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. 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) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier's check payable to the Secretary of HUD, before public auction of the property is completed. 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. 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 send of this notice immediately. Date: January 15, 2026 /s/ Dustin George By: Dustin George Miller, George & Suggs, PLLC Foreclosure Commissioner 6080 Tennyson Parkway, Suite 100 Plano, TX 75024 972-532-0128 Phone 214-291-5507 Fax February 10, 17, 24 2026 IPLAAS0121439