NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS on March 20, 2015 a certain Home Equity Conversion Deed of Trust (“Deed of Trust”) was executed by PAUL M. HEREFORD AND MARILYN A. HEREFORD, MARRIED, as mortgagors to, CHRISTOPHER MULLINS, as Trustee, for the benefit of AMERICAN ADVISORS GROUP and was recorded on March 30, 2015 in the Official Public Records of Real Property of VICTORIA County Texas under Document No. 201503267; an 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 December 21, 2023, recorded in the Official Public Records of Real Property of VICTORIA County Texas under Document No. 202400001; and WHEREAS a default has been made in the covenants and conditions of the Deed of Trust in that the Property (hereinafter defined) ceased to be the principal residence of a Borrower for reasons other than death and the Property is not the principal residence of at least one surviving borrower; and WHEREAS the entire amount delinquent as of February 5, 2026 is $306,598.56; 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 dated July 13, 2022 and recorded in the Official Public Records of VICTORIA County, Texas under Document No. 202500141, on April 7, 2026, between the hours of 11:00 AM and 2:00 PM Central Standard Time, 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: BEING A 4.47 ACRE PORTION OF THE JOSE MARIA HERNANDEZ GRANT, A-59, VICTORIA COUNTY, TEXAS, AND BEING A TRACT OUT OF THE SOUTH CORNER OF THAT 64.88 ACRE TRACT ACQUIRED BY HERBERT E. MEYER FROM CLAIRE MARIE REIMANN DIETZEL, ET VIR, BY DEED DATED OCTOBER 19, 1957, AND RECORDED IN VOLUME 471, PAGE 282 OF THE DEED RECORDS OF VICTORIA COUNTY, TEXAS, AND THIS 4.47 ACRE TRACT BEING DESCRIBED BY METES AND BOUNDS AS FOLLOWS: BEGINNING AT A CONCRETE MONUMENT FOR THE SOUTH CORNER OF THIS 4.47 ACRE TRACT, ALSO THIS CONCRETE MONUMENT MARKS THE SOUTH CORNER OF THE ABOVE MENTIONED 64.88 ACRE TRACT; THENCE N 45 DEGREES 17 MINUTES WA DISTANCE OF 781.07 FEET ALONG THE NORTHEAST LINE OF THE A. V. WILLEMIN 73.07 ACRE TRACT TO A STEEL STAKE FOR THE WEST CORNER OF THIS 4.47 ACRE TRACT, ALSO THE SOUTH CORNER OF THE 3.00 ACRE TRACT PREVIOUSLY CONVEYED TO THOMAS TROJACK; THENCE N 44 DEGREES 44 MINUTES EA DISTANCE OF 235.53 FEET ALONG THE COMMON LINE OF THE 3.00 ACRE TRACT TO A STEEL STAKE FOR THE NORTH CORNER OF THIS TRACT, ALSO THE EAST CORNER OF THE 3.00 ACRE TRACT; THENCE S 47 DEGREES 16 MINUTES E A DISTANCE OF 60 FEET TO THE SOUTH CORNER OF A 60 FOOT EASEMENT AND A TOTAL DISTANCE OF 782.13 FEET ALONG THE SOUTHWESTERLY LINE OF A 5.53 ACRE TRACT TO A STEEL STAKE IN THE SOUTHEASTERLY LINE OF THE ABOVE MENTIONED 64.88 ACRE TRACT FOR THE EAST CORNER OF THIS 4.47 ACRE TRACT; THENCE S 44 DEGREES 44 MINUTES W A DISTANCE OF 263 FEET ALONG THE SOUTH-EASTERLY LINE OF THE 64.88 ACRE TRACT TO THE PLACE OF BEGINNING CONTAINING 4.47 ACRES OF LAND. TOGETHER WITH THE FOLLOWING DESCRIBED ROADWAY EASEMENT: BEING A SIXTY FOOT (60’) ROAD EASEMENT FOR THE PURPOSE OF INGRESS AND EGRESS TO THE ABOVE DESCRIBED PROPERTY, SAID SIXTY FOOT (60’) ROAD EASEMENT IS DESCRIBED AS FOLLOWS, TO-WIT: BEGINNING AT A POINT IN THE SOUTHWEST LINE OF THE ABOVE MENTIONED 5.53 ACRE TRACT, SAID POINT BEING N 44 DEGREES 44 MINUTES EA DISTANCE OF 263.0 FEET AND N 47 DEGREES 16 MINUTES WA DISTANCE OF 722.13 FEET FROM THE CONCRETE MONUMENT MARKING THE SOUTH CORNER OF THE ABOVE MENTIONED 64.88 ACRE TRACT; THENCE N 47 DEGREES 16 MINUTES WA DISTANCE OF 598.5 FEET TO THE WEST CORNER OF THE ABOVE MENTIONED 5.53 ACRE TRACT IN THE SOUTH- EASTERLY LINE OF COLETOVILLE ROAD NO. 1, THE WEST CORNER OF THIS 60-FOOT ROAD EASEMENT; THENCE N 63 DEGREES 37 MINUTES EA DISTANCE OF 65.12 FEET WITH THE SOUTH-EASTERLY LINE OF COLETOVILLE ROAD NO. 1, TO THE NORTH CORNER OF THIS 60-FOOT ROAD EASEMENT; THENCE S 47 DEGREES 16 MINUTES EA DISTANCE OF 573.2 FEET TO THE EAST CORNER OF THIS 60-FOOT ROAD EASEMENT; THENCE S 42 DEGREES 44 MINUTES WA DISTANCE OF 60 FEET TO THE PLACE OF BEGINNING. The sale will be held between the hours of 11:00 AM and 2:00 PM at public venue in the area designated by the VICTORIA 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 11:00 AM Central Standard Time. The Secretary of Housing and Urban Development will bid $ 317,841.04. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his pro-rata 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 $31,784.10 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 $31,784.10 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. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is $306,598.56 as of February 5, 2026, 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: February 26, 2026 Foreclosure Commissioner Carolyn A. Taylor Hughes, Watters & Askanase, LLP 1201 Louisiana Street, 28th Floor Houston, Texas 77002 CTaylor@hwa.com (713) 590-4200