6429 Locust Street, Marlette, MI 48453

Public Foreclosure Notice

ELGA Credit Union- Legal Department 6065 Grand Pointe Blvd. Grand Blanc, Michigan 48439 THIS OFFICE IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Notice of foreclosure by advertisement- A default has been made in the conditions of a certain mortgage made by Jason J. Keys and Kathi J. Keys, as husband and wife (hereafter collectively “Mortgagor”), to ELGA Credit Union, a Michigan financial institution and Mortgagee, dated January 21, 2021, and thereafter recorded on March 19, 2021, at Liber 1476 Page 605 of the Sanilac County Register of Deeds. There is claimed to be due at the date hereof the sum of Four Hundred and Four Thousand, Three Hundred and Ninety-Four and 00/100 ($404,394.00) Dollars excluding interest at the rate of 4.0% per annum. Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the aforementioned mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier's check at the place of holding the circuit court in Sanilac County, starting promptly at 10:00, on March 12, 2026. The amount due on the mortgage may be greater on the day of the sale. Placing the highest bid at the sale 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. Said Premises is located in the City of Marlette, County of Sanilac, and legally described as follows: Part of the West Half of Section 32, Town 11 North, Range 12 East; described as Commencing at the West Quarter corner of said Section; thence North 87 degrees 37 minutes 46 seconds East 799.17 feet to the Point of Beginning; thence along a curve to the left with a long chord of North 32 degrees 04 minutes 42 seconds West 33.10 feet; thence North 42 degrees 35 minutes 09 seconds East 126.96 feet; thence South 26 degrees 43 minutes 21 seconds East 130.00 feet; thence South 55 degrees 13 minutes 37 seconds West 111.64 feet; thence along a curve to the left with a long chord of North 31 degrees 03 minutes 09 seconds West 68.01 feet to the Point of Beginning. Commonly known as: 6429 Locust Street, Marlette Michigan 48453. The redemption period shall be six (6) months from the date of sale unless determined abandoned in accordance with MCL § 600.3214(a), in which case the redemption period shall be 30 days from the date of sale. To all purchasers: the foreclosing Mortgagee can rescind the sale. In that event, your damages, if any, are solely limited to the return of the bid amount tendered at sale, plus interest. If the property is sold at sheriff’s sale, in accordance with MCL § 600.3278, the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damaging the property during the redemption period. If you are a tenant in the property, please contact our office as you may have certain rights. 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. Dated: February 3, 2026 ELGA Credit Union- Legal Department Attorneys for the Mortgagee 6065 Grand Pointe Blvd. Grand Blanc, Michigan 48439 (810) 715-3452 (02-11)(03-04)