SHORT FORECLOSURE NOTICE - HILLSDALE COUNTY Notice of Foreclosure by Advertisement. Notice is given under section 49c of the State Housing Development Authority Act of 1966, 1966 PA 346, MCL 125.1449c, 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 January 09, 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: Mortgagor(s): Roxanne Marie Kropaczewski, a married woman Original Mortgagee: CrossCountry Mortgage, LLC Date of mortgage: November 21, 2024 Recorded on November 22, 2024, Liber 1883, on Page 1070, Foreclosing Assignee (if any): Michigan State Housing Development Authority Amount claimed to be due at the date hereof: One Hundred Seventeen Thousand Seven Hundred Twenty-Six and 34/100 Dollars ($117,726.34) Mortgaged premises: Situated in Hillsdale County, and described as: LOT 40 CHAPMAN'S ADDITION, ACCORDING TO THE RECORDED PLAT THEREOF, AS RECORDED IN LIBER 63 OF DEEDS, PAGE 1, HILLSDALE COUNTY RECORDS Commonly known as 301 W Silver St, Reading, MI 49274 The redemption period will be 6 month from the date of such sale, unless abandoned under MCL 125.1449v, in which case the redemption period shall be 30 days from the date of such sale, or 15 days from the MCL 125.1449v(b) notice, whichever is later; or unless extinguished pursuant to MCL 600.3238. 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. Michigan State Housing Development Authority Mortgagee/Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400   1579216 (12-06)(12-27) Invoice Date: 12/27/2025