1813 Kosciuszko Ave

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 on November 20, 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. MORTGAGE: Mortgagor(s): Carlos P. Luna, a married man and Lacy Luna, his wife Original Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for Rocket Mortgage, LLC, its successors and assigns Date of mortgage: September 23, 2024 Recorded on September 27, 2024, Instrument Num: 202411288 Foreclosing Assignee: Lakeview Loan Servicing, LLC. Amount claimed to be due on the date hereof: One Hundred Eight-Four Thousand Four Hundred Seventy-Six and 68/100 ($184,476.68) Mortgaged premises: Located in the City of Bay, Bay County and described as: CITY OF BAY CITY, COUNTY OF BAY AND STATE OF MICHIGAN: LOTS 6 AND 7, BLOCK 20, H.M. BRADLEY’S ADDITION, AS PER PLAT THEREOF RECORDED IN LIBER 2 OF PLATS, PAGE 10, BAY COUNTY RECORDS. Commonly known as 1813 Kosciuszko Ave., Bay City, MI 48708 The redemption period shall be 6 months from the date of such sale, unless abandoned in accordance with MCL 600.3241a, in which case the redemption period shall be 30 days from the date of such sale, or 15 days from the MCL 600.3241a(b) notice, whichever is later; or unless extinguished pursuant to MCL 600.3238. If the property is sold at foreclosure sale under Chapter 32 of Act 236 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. Please be advised that the trustee will require any entity or trust bidder at this trustee’s sale to provide beneficial ownership information, documentation, and written certification as required under FinCEN’s Anti-Money Laundering Regulations for Residential Real Estate Transfers, effective for transfers to covered transferees closing on or after March 1, 2026. This requirement applies where the purchaser is a legal entity (including an LLC, corporation, or partnership) or a trust, and the transfer is not financed by an institutional lender subject to existing anti-money laundering requirements. The required information and certification must be provided to the trustee prior to issuance of the trustee’s deed upon sale. No trustee’s deed will be issued for a covered transfer until all required FinCEN information has been received and certified. Additional information regarding these regulations and required transferee disclosures can be found at: https://www.fincen.gov/rre and https://www.fincen.gov/rre-faqs. 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. ALAW 5404 Cypress Center Drive, Suite 300, Tampa, FL 33609, 813-221-4743; 26-014440. (10-21)(11-11) 42-4
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