Foreclosure - Cooper - 8/24/22

FORECLOSURE NOTICE 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. Notice of foreclosure by advertisement. Notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the following 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 Bay County, starting promptly at 11:00 AM, September 23, 2022. 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. Default has been made in the conditions of a certain mortgage made by Kevin Cooper, Billie Jo Cooper, husband and wife to Mortgage Electronic Registration Systems, Inc. acting solely as a nominee for American Home Mortgage, Mortgagee, dated March 23, 2006, and recorded on March 24, 2006, in Liber 2422, Page 396, Bay County Records, said mortgage was assigned to Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2019-3 by an Assignment of Mortgage dated June 28, 2022 and recorded June 28, 2022 by Document Number: 202209475, , on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Seven Thousand Four Hundred Ninety-Four and 02/100 ($107,494.02) including interest at the rate of 3.62500% per annum. Said premises are situated in the Township of Bangor, Bay County, Michigan, and are described as: Parcel 1: Commencing at the Southeast corner, Section 4, Town 14 North, Range 5 East; thence West 800.77 Feet along the South Section line to a point 544.12 feet East of the Southwest corner of the Southeast 1/4 of the Southeast 1/4 of said Section and the point of beginning; thence West 104.12 feet along said South Section line; Thence North 00 degrees 51 minutes 00 seconds East 495.00 feet parallel with the East 1/8 line of said Section; Thence East 105.42 feet parallel with said South Section line; thence South 01 degrees 00 minutes 00 seconds West 495.02 feet along an existing fence line and its extensions thereof, to the point of beginning. Parcel 2: Commencing at the Southeast corner, Section 4, Town 14 North, Range 5 East, thence West, 789.89 feet along the South section line to a point 555.00 feet East of the Southwest corner of the Southeast 1/4 of the Southeast 1/4 of said Section and the Point of Beginning; thence West 10.88 feet along said South section line; thence North 1 degree 00 minutes 00 seconds East, 495.02 feet along an existing fence line and its extensions thereof; thence East 9.58 feet parallel with said South section line; thence South 00 degrees 51 minutes 00 seconds West, 495.00 feet parallel with the East 1/8 line of said Section to the Point of Beginning. Commonly known as: 4421 WHEELER RD, BAY CITY, MI 48706 If the property is eventually sold at foreclosure sale, the redemption period will be 6.00 months from the date of sale unless the property is abandoned or used for agricultural purposes. If the property is determined abandoned in accordance with MCL 600.3241 and/or 600.3241a, the redemption period will be 30 days from the date of sale, or 15 days after statutory notice, whichever is later. If the property is presumed to be used for agricultural purposes prior to the date of the foreclosure sale pursuant to MCL 600.3240, the redemption period is 1 year. Pursuant to MCL 600.3278, if the property is sold at a foreclosure sale, the borrower(s) 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. TO ALL PURCHASERS: The foreclosing mortgagee can rescind the sale. In that event, your damages are, if any, limited solely to the return of the bid amount tendered at sale, plus interest. Dated: August 24, 2022 Randall S. Miller & Associates, P.C. Attorneys for Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2019-3 43252 Woodward Avenue, Suite 180, Bloomfield Hills, MI 48302, 248-335-9200 Hours: 9:00 a.m. - 5:00 p.m. Case No. 22MI00348-1. (08-24)(09-14) 34-4
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