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 Cheboygan County, starting promptly at 11:00AM on December 12, 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): Elaine J. Ernst, an unmarried woman Original Mortgagee: United States of America acting through the Rural Housing Service or successor agency, United States Department of Agriculture Date of mortgage: September 28, 2017 Recorded on October 2, 2017, Book #1343, on Page #607. Amount claimed to be due at the date hereof: Thirty-Eight Thousand Nine Hundred Seventy-Seven Dollars and 66/100 (38,977.66) Mortgaged premises: Situated in the City of Cheboygan, Cheboygan County, Michigan: Lots 4 and 7, Block 4, William Bartholemew's Addition to Cheboygan Village, according to the Plat thereof as recorded in Liber 3 of Plats, Page(s) 31, Cheboygan County Records; EXCEPT: Railroad Right of Way. Parcel ID No. 054-B04-004-004-00 Also to include an undivided interest in a parcel described as: Vacated Alley. Commonly known as 131 N Benton Street Cheboygan MI 49721. 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. 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 25-014403   1577287 (11-13)(12-04) Invoice Date: 12/04/2025