115 E Pine St, Albion ( Calhoun), MI 49224-1358

Public Foreclosure Notice

NOTICE OF FORECLOSURE BY ADVERTISEMENT PLEASE TAKE NOTICE that a default has been made in the conditions of a certain Mortgage granted by Patrick J. Lopez, a single man, as Mortgagor, to Homestead Savings Bank, F.S.B., as Mortgagee, dated August 29, 2016, recorded September 8, 2016 at Liber 4077 Page 666 in the Office of Register of Deeds for Calhoun County, Michigan (the “Mortgage”) and the Mortgage is being foreclosed upon by Mortgagee. The premises subject to this foreclosure is located in the City of Albion, County of Calhoun, State of Michigan, and described as: Lot 6, Block 2, Original Plat of the Village (now City) of Albion, according to the Plat thereof as recorded in Liber 2 of Plats, Page 40, Calhoun County Records. which has the address of 115 E Pine St., Albion MI 49224. Tax Parcel No. 51-000-026-00 No suit or proceeding at law or in equity has been instituted against the Mortgagor to recover the debt, or any part of the debt, secured by the Mortgage, and the power of sale in the Mortgage has become operative by reason of default. There is claimed to be indebtedness, as defined by the Mortgage, due and unpaid in the amount of Twenty-Nine Thousand Eight Hundred Two and 72/100 Dollars ($29,802.72) including principal and interest, and other costs secured by the Mortgage, and currently bearing interest at a rate of 3.625%. NOTICE IS HEREBY GIVEN that on Thursday, November 13, 2025 at 9:00 a.m. at the Calhoun County Justice Complex, located at 161 E Michigan Ave., Room F225, Battle Creek Michigan 49014, that being the place of holding of the Circuit Court for the County of Calhoun, the premises will be offered for sale and sold to the highest bidder, at public sale, for the purposes of satisfying the amount of the indebtedness then due on the Mortgage, together with interest, costs, attorney fees, taxes, insurance, and any other advances and expenses due under the Mortgage or permitted under Michigan law. The amount due on the mortgage may potentially be greater on the date of the sale than the indebtedness listed in this Notice. Placing the highest bid does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the county register of deeds office or a title insurance company, either of which may charge a fee for this information. The period within which the premises may be redeemed shall expire six (6) months from the date of sale, unless determined to be abandoned in accordance with MCL 600.3241a, in which case the redemption period shall be thirty (30) days from the date of sale. Pursuant to MCL 600.3278, the Mortgagors and any other person liable on the Mortgage will be held responsible to the Mortgagee or the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damages sustained by the property during the redemption period. ATTENTION HOMEOWNER: If you are a military service member on active duty, if your period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the mortgage at the telephone number stated in this notice. Staci L. Salisbury (P79632) Staci L. Salisbury, PLC 9848 Portage Road Portage MI 49002 (269) 256-5960 (10-15)(11-05)