SHORT FORECLOSURE NOTICE - CHARLEVOIX 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 Charlevoix County, starting promptly at 11:00 AM, on April 10, 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): Jessica M. Witt, an unmarried person and Robert Cartwright, an unmarried person Original Mortgagee: Mortgage Electronic Registration Systems, Inc. ("MERS"), solely as nominee for lender and lender's successors and assigns Date of mortgage: November 8, 2022 Recorded on November 10, 2022, Liber 1364, on Page 562, and re-recorded via Loan Modification recorded on September 02, 2025 in Liber 1443, on Page 646 Foreclosing Assignee (if any): The Huntington National Bank Amount claimed to be due at the date hereof: Two Hundred Forty-Eight Thousand Sixty-Six and 90/100 Dollars ($248,066.90) Mortgaged premises: Situated in Charlevoix County, and described as: Beginning at a 3/4 inch steel bar at the Southwest corner of Section 12, Township 32 North, Range 5 West; thence along the West line of said section and along the centerline of Springbrook Road, North 00 degrees 44 minutes 21 seconds West 245.00 feet; thence parallel with the South line of said Section, South 89 degrees 58 minutes 26 seconds East 33.00 feet to a 1/2 inch rod on the East line of said road; thence continuing South 89 degrees 58 minutes 26 seconds East 147.00 feet to a 1/2 inch rod; thence South 00 degrees 44 minutes 21 seconds East 212.00 feet to a 1/2 inch rod on the North line of Thumb Lake Road; thence continuing South 00 degrees 44 minutes 21 seconds East 33.00 feet to the South line of said Section; thence along said Section line and along the centerline of Thumb Lake Road, North 89 degrees 58 minutes 26 seconds West 180.00 feet to the Point of Beginning; being a part of the Southwest 1/4 of the Southwest 1/4 of Section 12, Township 32 North, Range 5 West. Commonly known as 5019 Thumb Lake Rd, Boyne Falls, MI 49713 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. If the sale is set aside for any reason, the Purchaser at the sale will be entitled only to a return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s attorney. 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. The Huntington National Bank Mortgagee/ Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400   1586613 (03-06)(03-27) Invoice Date: 03/27/2026