THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF FORECLOSURE BY ADVERTISEMENT Default having been made in the conditions of a certain Mortgage made by OSCAR HERRERA, 797 N. Snow Prairie Rd., Union City, MI 49094 to Southern Michigan Bank & Trust, 51 West Pearl Street, Coldwater, MI 49036 dated January 15, 2021, and recorded in the office of the Register of Deeds for the County of Branch County and State of Michigan, on January 22, 2021 in Document Number 2021-00500, Branch County Records, and on which Mortgage there is claimed to be due on the date of this notice, for principal and interest the sum of One Hundred Forty-Three Thousand Five Hundred Forty-Nine and 44/100 ($143,549.44) Dollars on the mortgage and no proceedings having been instituted to recover the debt now remaining secured by said Mortgage, or any part thereof, where by the power of sale contained in said Mortgage has become operative; Now Therefore, Notice is Given that by virtue of the power of sale contained in said Mortgages and under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, the said Mortgage will be foreclosed by a sale of the mortgaged premises therein described or so much thereof as may be necessary, at a public auction sale, to the highest bidder for cash or cashier's check, on at the East Entrance of the Courthouse in the City of Coldwater, and County of Branch, Michigan, that being the place of holding Circuit Court in and for said County, on October 16, 2025 at promptly 10:00 a.m., which said mortgage premises are described as follows, to-wit: The land referred to in this policy, situated in the Township of Union, County of Branch, State of Michigan, is described as follows: A parcel of land 240 feet North and South by 340 feet East and West in the Northwest corner of the Northwest 1/4 of the Northwest 1/4 of Section 34, Town 5 South, Range 7 West, Union Township, Branch County, Michigan. Included is a 1997 Fleetwood manufactured home, serial number INFLVA/B04360BJ13, which is situated on and affixed to the real estate. Property Address: 797 N. Snow Prairie Rd., Union City, MI 49094 PIN: 12-020-034-100-005-01 Said premises will be sold to pay the amount as aforesaid then due on said Mortgage together with 2.875% percent interest on the Mortgage, legal costs, attorneys' fees and also any taxes and insurance that said Mortgagee does pay on or prior to the date of said sale. The amount due on said 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. Pursuant to MCL 600.3240, the last day to redeem the Sheriff's Deed will be April 16, 2026, however, if an Affidavit of Abandonment is filed with the Register of Deeds, the last day to redeem will be November 16, 2025, or until the time to provide the notice was required by MCL 600.3241a(c) expires, whichever is later. If said property is in fact sold at the above-described foreclosure sale, pursuant to MCL 600.3278, the above listed Mortgagor will be responsible to the person who buys the property at the foreclosure sale or to Southern Michigan Bank & Trust for damaging the property during the redemption period. ATTENTION PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered atsale, plus interest. Dated: September 18, 2025     Southern Michigan Bank & Trust Mortgagee.   HAASCAYWOOD PC By: P. Joseph Haas, Jr. Attorney for Southern Michigan Bank & Trust Business Address: 112 South Monroe Street Sturgis, MI 49091 (269) 651-3281