5947 Southward Ave, Waterford, MI 48329-1580

NOTICE OF MORTGAGE FORECLOSURE SALE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY. ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to return of the bid amount tendered at sale, plus interest. NOTICE OF FORECLOSURE BY ADVERTISEMENT: Notice is given under section 3212 of the revised judicature act of 1961, 1961 PA236, 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 April 14, 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 SALE: Default has been made in the conditions of a mortgage made by Jo Ann Naylor, as to a life estate, with remainder to Jo Ann Naylor and Brenda Mae Martus, the Mortgagor(s), and Mortgage Electronic Registration Systems, Inc., as nominee for The Heloc Company LLC, the original Mortgagee, dated June 18, 2025, and recorded on June 30, 2025, in Liber 60316, at Page 481, in Oakland County Records, Michigan, and last assigned to 1900 Capital Trust II, by US Bank Trust National Association, not in its individual capacity but solely as certificate trustee, the Foreclosing Assignee, as documented by an Assignment of Mortgage dated August 13, 2025, and recorded on August 15, 2025, in Liber 60452, at Page 46, in Oakland County Records, Michigan, on which mortgage there is claimed to be due and owing as of the date of this Notice, the sum of One Hundred Thirteen Thousand Nineteen and 12/100 U.S. Dollars ($113,019.12). Said premise is situated at 5947 Southward Ave, Waterford, MI 48329, in the City of Waterford, Oakland County, Michigan, and is described as: THE FOLLOWING DESCRIBED PROPERTY IN THE CITY OF WATERFORD, COUNTY OF OAKLAND, STATE OF MICHIGAN, TO-WIT: LOT 10, NORTHRIDGE SUBDIVISION AS RECORDED IN LIBER 72, PAGE 20, OAKLAND COUNTY RECORDS. The redemption period shall be six (6) 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. Pursuant to Chapter 32 of the Revised Judicature Act of 1961, if the property is sold at foreclosure sale the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder under MCLA 600.3278 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. Dated: 02/24/2026 For More Information, please call: Quintairos, Prieto, Wood & Boyer, P.A. Attorneys for Servicer 255 South Orange Avenue, Suite 900 Orlando, Florida 32801 (855) 287-0240 Matter No. MI-011103-26 (3-3)(3-24)