19607 West 12 Mile Road, Southfield, MI 48076-2556

MORTGAGE FORECLOSURE 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 Oakland County, starting promptly at 10:00 A.M., on March 17, 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. 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. Regina Baker, unmarried woman, (“Mortgagor”), gave a mortgage to Mortgage Electronic Registration Systems, Inc., as nominee for Michigan First Credit Union, (“Mortgagee”), dated March 21, 2025, and recorded on April 1, 2025, in Liber 60092, on Page 301, Oakland County Records, Michigan. Assignment of Mortgage from MERS recorded on December 19, 2025, in Liber 60813 Page 833. On the date of this notice, there is claimed to be due the principal of Seventy-Three Thousand Three Hundred Sixty-Nine Dollars and 09/100 Dollars ($73,369.09) plus accrued interest at 11.25% per annum. Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at the place of holding in the circuit court within Oakland County, Michigan @ 10:00 A.M. on Tuesday, March 17, 2026. Said premises are situated in the City of Southfield, County of Oakland and State of Michigan, and are described as: Apartment 34, Building 3, Twelve Pines Condominium according to the Master Deed recorded in Liber 7692, Page 714, as amended, and designated as Oakland County Condominium Subdivision Plan No. 282, together with rights in the general common elements and the limited common elements as shown on the Master Deed and as described in Act 59 of the Public Acts of 1978, as amended. Commonly: 19607 West 12 Mile Road, Southfield MI 48076—Tax Id #24-14-101-264 The redemption period shall be six months from the date of such sale unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale. If the property is sold at a foreclosure sale, under Section 600.3278 of the Michigan Compiled Laws, the Mortgagor will be held responsible to the person who buys the property at the mortgage foreclosure or to the mortgage holder for damaging the property during the redemption period. Dated: February 10, 2026 Michigan First Credit Union, Mortgagee Holzman Law, PLLC By: Charles J. Holzman Attorney for Mortgagee 28366 Franklin Road Southfield, Michigan 48034 (248)352-4340 (2-10)(3-10)