SHORT FORECLOSURE NOTICE - EMMET COUNTY 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 Emmet County, starting promptly at 9:00 AM, on January 21, 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): Pamela Groenewoud and Paul Groenewoud, wife and husband Original Mortgagee: JPMorgan Chase Bank, N.A. Date of mortgage: January 24, 2005 Recorded on February 11, 2005, Liber 1061, on Page 922, Foreclosing Assignee (if any): Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Loans Structured Transaction Trust, Series 2020-1 Amount claimed to be due at the date hereof: One Hundred Eighty-Eight Thousand Five Hundred Sixty and 15/100 Dollars ($188,560.15) Mortgaged premises: Situated in Emmet County, and described as: PART OF THE EAST 1/2 OF THE NORTHEAST 1/4 OF SECTION 6, TOWNSHIP 37 NORTH, RANGE 4 WEST, DESCRIBED AS COMMENCING ON THE EAST SECTION LINE 330.00 FEET SOUTH OF THE NORTHEAST CORNER OF SAID SECTION 6; THENCE WEST 1320.00 FEET; THENCE SOUTH 443.85 FEET; THENCE EAST 1320.00 FEET; THENCE NORTH 443.85 FEET TO THE POINT OF BEGINNING. TOWNSHIP OF MCKINLEY, EMMET COUNTY, MICHIGAN Commonly known as 5881 Bill Rd, Levering, MI 49755 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. Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Loans Structured Transaction Trust, Series 2020-1 Mortgagee/Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400 1580529 (12-23)(01-13)  Invoice Date: 1/13/2026