1811 N East County Line Rd, Sumner (montcalm), MI 48889

Public Foreclosure Notice

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS on 10/03/2012, a certain Home Equity Conversion Mortgage was executed by Erwin L. Tate and Maxine R. Tate, husband and wife, tenants by the entirety, as mortgagor in favor of Mortgage Electronic Registration Systems, Inc. ("MERS"), solely as nominee for lender and lender`s successors and assigns, as mortgagee, and was recorded on 10/11/2012 in Liber 1559, Page 279 Montcalm County Records; and WHEREAS, the Mortgage 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 Mortgage is now owned by the Secretary, through mesne assignments as documented by an Assignment of Mortgage, dated 01/11/2019 and recorded 01/11/2019 in Document Number 2019R-00431 Montcalm County Records; and WHEREAS, default has been made in the covenants and conditions of the Mortgage in that Erwin L. Tate, Maxine R. Tate is/are deceased and the property described below is not the principal residence of at least one surviving Borrower; and WHEREAS, the entire amount delinquent as of October 29, 2025 is $186,951.57; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the mortgage 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 October 7, 2024 in Document Number 2024R-09054 Montcalm County Records, notice is hereby given that on January 13, 2026 at 10:00 AM local time, the real property located in the Township of Ferris, County of Montcalm, State of Michigan, the below described will be sold at public auction to the highest bidder: THE SOUTHEAST 1/4 OF THE NORTHEAST 1/4 OF SECTION 25, TOWN 11 NORTH, RANGE 5 WEST, MONTCALM COUNTY, MICHIGAN. EXCEPT THAT PART OF THE SOUTHEAST 1/4 OF THE NORTHEAST 1/4 OF SECTION 25, TOWN 11 NORTH, RANGE 5 WEST, DESCRIBED AS BEGINNING AT THE SOUTHEAST CORNER THEREOF; THENCE WEST 1320 FEET; THENCE NORTH 330 FEET; THENCE EAST 1320 FEET; THENCE SOUTH 330 FEET TO THE POINT OF BEGINNING. Commonly known as: 1811 N East County Line Rd, Sumner, MI 48889 Tax Parcel No.: 011-025-003-01 The sale will be held at Montcalm County District Court, Montcalm, Michigan. The United States Secretary of Housing and Urban Development will bid $191,976.08. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, their 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 $19,197.61 [10% of the Secretary's bid] in the form of a certified check or cashier's check, made payable to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $19,197.61 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 high bidder he/she/they need not pay the bid amount in case. 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 payments 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 case deposit or, at the election of the foreclosure commissioner after the 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. Payment of the entire outstanding balance of the mortgage debt is required to the cure the default. The “outstanding balance” includes amounts that would be due under the mortgage agreement if the debt under the mortgage had not been accelerated, advertising costs, posting costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recorded documents, a commission for the Foreclosure and all other costs incurred in connection with the foreclosure prior to sale. Tender of payment be certified or cashier's check or applicable for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Date: 11/04/2025 Neil Sherman Foreclosure Commissioner for the United States Secretary of Housing and Urban Development 23938 Research Dr Suite 300 Farmington Hills, MI 48335 248.539.7400 STATE OF MICHIGAN COUNTY OF OAKLAND ss. On this 11/04/2025, before me, a Notary Public in and for said County of Oakland, came Neil Sherman of Schneiderman & Sherman P.C., the Foreclosure Commissioner, known to me to be the individual described in and who executed the above conveyance, and who acknowledged that he/she executed the same to be his/her free act and deed as such. Christina Hedke, Notary Public Wayne County, Michigan My Commission Expires: 06/21/2031 Acting in Oakland County, Michigan Drafted by and when recorded return to: Erica Nichols (P80833) Schneiderman & Sherman P.C. 23938 Research Dr Suite 300 Farmington Hills, MI 48335 248.539.7400 25-002782-1 (11-10)(11-24)