Trustee Sale No.: AR-26-129132-NJ NOTICE OF DEFAULT AND INTENTION TO SELL YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION McCarthy & Holthus, LLP MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. On 5/11/2023, NILE SMITH AND ROBIN SMITH, HUSBAND AND WIFE executed a Security Instrument encumbering certain property therein described in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) SOLELY AS A NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS, ITS SUCCESSORS AND ASSIGNS which was recorded on 5/12/2023, in Book N/A, Page N/A, or Document Number 2023R002956, in the real property records of Miller County, Arkansas. A default has occurred due to the failure to make timely payments of the indebtedness as required under the terms of the Security Instrument. The maturity of the indebtedness secured by the Security Instrument is hereby accelerated, and the Mortgagee or Trustee intends to sell the property pursuant to the Security Instrument to satisfy the indebtedness. The Mortgagee or Beneficiary has complied with the conditions to exercise the power of sale as set forth in Ark. Code Ann. § 18-50-103. The party initiating this action is Planet Home Lending, LLC, 321 Research Parkway, Meriden, CT, 45342, 855-884-2250. The Mortgagee or Beneficiary has instructed McCarthy & Holthus, LLP to sell the property pursuant to the default provisions of the Security Instrument. McCarthy & Holthus, LLP, as Attorney-in-Fact or as Trustee, will on 8/18/2026, at or about 10:00AM, sell the real property described herein to the highest bidder for cash. The sale will be held at the Miller County Courthouse, 400 Laurel Street, Texarkana, AR 71854 . The property is being sold “as is” with no representation as to its condition. THE PURCHASER OF SAID PROPERTY SHALL PAY THE PRICE BID WITH CERTIFIED FUNDS THE DAY OF SALE AND ASSUME RESPONSIBILITY FOR ALL TRANSFER TAXES AND RECORDING FEES. The following property to be sold is located in Miller County, Arkansas, and being more particularly described as: LOT 11 OF BLOCK NUMBER 1 IN THE TRINITY HEIGHTS SUBDIVISION TO THE CITY OF TEXARKANA, MILLER COUNTY, ARKANSAS. STREET ADDRESS: 5810 CATHEDRAL HTS, TEXARKANA, AR 71854 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. WITNESS my hand this 2026. McCarthy & Holthus, LLP _ Maria Neumann, Attorney Reg. No. 2006278 _ Cole Patton, Attorney Reg. No. 2018206 _ Nakisha Miller, Attorney Reg. No. 2019056 McCarthy & Holthus, LLP One Union Plaza 124 West Capitol, Ste. 865 Little Rock, Arkansas 72201 (214) 291-3800; Fax (214) 291-3801 Direct Mail to: 1255 West 15th Street, Suite 1060 Plano, TX 75075 (214) 291-3800 IDSPub #0315306 7/19/2026 7/26/2026 8/2/2026 8/9/2026
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