Public Notice of Foreclosure 2926 nichols rd Kalamazoo MI 49004 Benjamin Hyde

  NOTICE OF FORECLOSURE OF MORTGAGE CHARLES J. HIEMSTRA IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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. Default has occurred in the conditions of a Mortgage (“Mortgage”) made by Benjamin Earl Hyde, a single man, of 2926 Nichols Road, Kalamazoo, Michigan 49004, Mortgagor, to Lake Michigan Credit Union, a state-chartered credit union, having its principal office at 5519 Glenwood Hills Parkway SE, Grand Rapids, Michigan 49512 (“Mortgagee”), which Mortgage was dated June 7, 2022, and recorded in the office of the Register of Deeds for Kalamazoo County, Michigan on June 14, 2022 at Instrument Number 2022-019977. By reason of this default, the Mortgagee hereby declares the entire unpaid amount of said Mortgage due and payable immediately. As of the date of this Notice there is claimed to be due on this Mortgage the sum of Twenty-eight Thousand Six Hundred Five and 02/100 Dollars ($28,605.02). No suit or proceeding at law has been instituted to recover the debt secured by this Mortgage or any part thereof. 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 above Mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public sale to the highest bidder for cash or cashier's check at the place of holding the circuit court in Kalamazoo County, on the First Floor Lobby of the Kalamazoo County Courthouse, 227 W. Michigan Avenue, Kalamazoo, Michigan, starting promptly at 10:00 a.m., on Thursday, September 19, 2024 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. The premises covered by this Mortgage are located in the Township of Kalamazoo, County of Kalamazoo, State of Michigan and described as follows: Lot 17, Azure Heights, as recorded in liber 26 of plats, Page 8, Kalamazoo County Records Parcel ID No. 06-05-310-170 Property address: 2926 Nichols Road, Kalamazoo, Michigan 49004 Notice is further given that the length of the redemption period will be 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 will be as provided by MCL 600.3241a. If this property is sold at a foreclosure sale by advertisement, during the period of redemption, borrower/mortgagor will be responsible to the purchaser or to the mortgage holder for physical injury to the property beyond wear and tear resulting from the normal use of the property if the physical injury is caused by or at the direction of the borrower/mortgagor. Dated: August 1, 2024 LAKE MICHIGAN CREDIT UNION MORTGAGEE THIS INSTRUMENT PREPARED BY: Charles J. Hiemstra (P-24332) Attorney for Mortgagee 125 Ottawa Ave., NW, Suite 310 Grand Rapids, MI 49503 (616) 235-3100 (08-09)(08-30)

Unclaimed HUD MIP Refunds: A Guide to Recovering Your Money

Many homeowners in Michigan may be unaware that they are entitled to a refund of their Mortgage Insurance Premiums (MIP) paid to the U.S. Department of Housing and Urban Development's (HUD) Federal Housing Administration (FHA). This article aims to shed light on the process of searching for and claiming these unclaimed refunds, ensuring that eligible individuals receive the money they are owed. Understanding HUD MIP Refunds: HUD MIP refunds are issued to homeowners who have paid off their FHA-insured mortgage or sold their property. These refunds are based on the unused portion of the MIP paid during the term of the loan. To determine if you are eligible for a refund, you can search the HUD database using your last name, FHA case number, and the city and state of the property. How to Search for Unclaimed Refunds: To begin the search for unclaimed refunds, visit the HUD website at https://entp.hud.gov/dsrs/refunds/fharefund1.cfm and follow these steps: 1. Enter your last name or FHA case number. 2. Optionally, you can enter the city and state of the property. 3. Click the "Search" button to initiate the search. If no records match your selection criteria, it may be necessary to contact HUD directly for assistance. You can reach out to their support center at (800) 697-6967 or email them at sf.premiums@hud.gov. Applying for a Refund: If you discover that you are owed a refund, you can submit an application to HUD. You have several options for submitting the necessary documentation: 1. Email: Send your documents to sf.premiums@hud.gov. 2. Fax: Fax your documents to (301) 572-8079. 3. Upload: Use the Premium Refund Application Upload webpage to submit your documents. Avoiding Scams: It is essential to be cautious when dealing with third-party tracers who claim to assist you in recovering your refund. Remember, you do not need to pay anyone to help you collect your refund. HUD advises homeowners to contact them directly if they need assistance with the refund process. Conclusion: Unclaimed HUD MIP refunds can be a significant financial benefit for homeowners in Michigan. By following the steps outlined in this article, you can search for and apply for your refund, ensuring that you receive the money you are entitled to.   See list of Foreclosures, Bank Owned and HUD Homes for sale at www.RichardStewart.com    Richard Stewart REO Specialists Llc Kalamazoo MI 49001 269-345-7000

FORECLOSURE PUBLIC NOTICE 9667 N ST HICKORY CORNERS MI 49060 Jacob Schelb

  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 Kalamazoo County, starting promptly at 10:00 AM, on September 5, 2024. The amount due on the mortgage may be greater on the day of 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: Name(s) of the mortgagor(s): Jacob Schelb, married man and Nicole T. Schelb Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for lender and lender's successors and/or assigns Foreclosing Assignee (if any): Nationstar Mortgage LLC Date of Mortgage: November 1, 2012 Date of Mortgage Recording: December 4, 2012 Amount claimed due on date of notice: $132,262.40 Description of the mortgaged premises: Situated in Township of Ross, Kalamazoo County, Michigan, and described as: The North 165.0 feet of the East 390.0 feet of the South 70 rods of the Southwest 1/4 of the Northeast 1/4 of Section 9, Town 1 South, Range 9 West and the North 198.0 feet of the East 335.0 feet of the South 60 rods of the Southwest 1/4 of the Northeast 1/4 of Section 9, Town 1 South, Range 9 West; excepting therefrom that portion of subject property which lies Northerly of a line described as commencing at a point in the center of 42nd Street, 1,512.37 feet South of the North line of said Section, thence running thence South 89 degrees 12 minutes 16 seconds West 1,326.81 feet to the point of ending. Common street address (if any): 9667 N 42nd St, Hickory Corners, MI 49060-9510 The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCL 600.3241a; or, if the subject real property is used for agricultural purposes as defined by MCL 600.3240(16). If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to 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. 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. This notice is from a debt collector. Date of notice: July 26, 2024 Trott Law, P.C. 31440 Northwestern Hwy, Suite 145 Farmington Hills, MI 48334 (248) 642-2515 1536193 (07-26)(08-16)   www.RichardStewart.com

Foreclosure Public Notice 472 Academy St Kalamazoo MI 49007 Templin Homestays LLC

  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 Kalamazoo County, starting promptly at 10:00 AM, on July 18, 2024. The amount due on the mortgage may be greater on the day of 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: Name(s) of the mortgagor(s): Templin Homestays LLC Original Mortgagee: HouseMax Funding, LLC Foreclosing Assignee (if any): Massachusetts Mutual Life Insurance Company Date of Mortgage: March 10, 2023 Date of Mortgage Recording: March 10, 2023 Amount claimed due on date of notice: $314,939.62 Description of the mortgaged premises: Situated in City of Kalamazoo, Kalamazoo County, Michigan, and described as: Parcel 1: The East 1/2 of a lot commencing at the North line of Academy Street 8 rods East of the Northeast corner of Academy and West Streets (said last mentioned street being now known as Westnedge Avenue); thence East 4 rods more or less, to the Southeast corner of Lot 40, plat of town (now city) of Kalamazoo, according to the plat thereof as recorded in Liber 6 of Plats, Page 8, Kalamazoo County Records; thence North on East line of said Lot 40, 6 rods; thence West parallel with the North line of Academy Street to a point 8 rods East of the East line of West Street (now Westnedge Avenue); thence South 6 rods to the place of beginning. Also being described as: The East 1/2 of South 6 rods of Lot 40, original plat of the Town (now city) of Kalamazoo, Liber 6 of Plats, Page 8. Parcel 2: The West 1/2 of a lot commencing on the North line of Academy Street, 8 rods East of the Northeast corner of Academy and West Streets in the City of Kalamazoo; thence East 4 rods to the Southeast corner of Lot 40, plat of town (now city) of Kalamazoo, according to the plat thereof as recorded in Liber 6 of Plats, Page 8, Kalamazoo County Records; thence North on the East line of said Lot 40, 6 rods; thence West parallel with the North line of Academy Street to a point 8 rods East of the East line of West Street and thence South 6 rods to the place of beginning. Also being described as: the West 1/2 of the South 6 rods of Lot 40, original plat of the town (now city) of Kalamazoo, Liber 6 of Plats, Page 8. Common street address (if any): 472 Academy St, Kalamazoo, MI 49007-4693 The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCL 600.3241a; or, if the subject real property is used for agricultural purposes as defined by MCL 600.3240(16). If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to 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. 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. This notice is from a debt collector. Date of notice: June 14, 2024 Trott Law, P.C. 31440 Northwestern Hwy, Suite 145 Farmington Hills, MI 48334 (248) 642-2515 1532422 (06-14)(07-05) www.REOmamma.com