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 Hillsdale County, starting promptly at 10:00 AM, on November 14, 2025. 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): Dustin Smith and Caroline Smith, husband and wife Original Mortgagee: Mortgage Electronic Registration Systems, Inc. ("MERS"), solely as nominee for lender and lender's successors and assigns Date of mortgage: July 26, 2023 Recorded on July 27, 2023, Liber 1854, on Page 664, Foreclosing Assignee (if any): Union Home Mortgage Corp. Amount claimed to be due at the date hereof: Two Hundred Sixty-Eight Thousand One Hundred Twenty-Three and 14/100 Dollars ($268,123.14) Mortgaged premises: Situated in Hillsdale County, and described as: Land in the Southwest 1/4 of the Southwest 1/4 of Section 10, Town 5 South, Range 3 West, Township of Scipio, Hillsdale County, Michigan, described as follows: Commencing at the Southwest corner of said Section 10; thence North 00 degrees 16 minutes 55 seconds West, along the West line of said Section 10 and the centerline of Concord Road, 260.00 feet to the Point of Beginning of this Description; thence continuing North 00 degrees 16 minutes 55 seconds West, along said Section line, 210.00 feet; thence North 89 degrees 42 minutes 34 seconds East 435.00 feet; thence South 00 degrees 16 minutes 55 seconds East 210.00 feet; thence South 89 degrees 42 minutes 34 seconds West 435.00 feet to the Point of Beginning. Commonly known as 10091 Concord Rd, Jonesville, MI 49250 The redemption period will be 6 month from the date of such sale, unless abandoned under MCL 600.3241a, in which case the redemption period will 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 above referenced property is sold at a foreclosure sale under Chapter 32 of Act 236 of 1961, under 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. Union Home Mortgage Corp. Mortgagee/Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400   1574792 (10-16)(11-06) Invoice Date: 11/06/2025