NOTICE OF FORECLOSURE BY ADVERTISEMENT 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 11:00 a.m. on May 1, 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. Name(s) of the Mortgagor(s): Jeffrey Dewes (a/k/a Jeffrey G. Dewes) and Patricia J. Dewes, husband and wife, Original Mortgagee: Northern Great Lakes Initiatives (d/b/a Northern Initiatives) Date of Mortgage: March 9, 2022 Date of Mortgage Recording: March 28, 2022 in Liber 1479, Page(s) 130, et. seq., with a Modification of Mortgage, dated February 22, 2023, and recorded in Liber 1503, Page(s) 843, et. seq., and another Modification of Mortgage, dated February 12, 2024, and recorded in Liber 1526, Page(s) 176, et. seq., et. seq. Amount claimed due on date of Notice: $342,121.66, which amount may or may not be the entire indebtedness owed by Debtors to Mortgagee together with interest at 10.25 percent per annum. Description of Mortgaged Premises: LAND SITUATED IN ALOHA TOWNSHIP, CHEBOYGAN COUNTY, MICHIGAN TO-WIT: UNIT 11, MICHAKEWA SHORES, A CONDOMINIUM ACCORDING TO THE MASTER DEED THEREOF RECORDED IN LIBER 1029, PAGE 395, CHEBOYGAN COUNTY RECORDS, AND DESIGNATED AS CHEBOYGAN COUNTY CONDOMINIUM SUBDIVISION PLAN NO. 76 AND MICHAKEWA SHORES ASSOCIATION BYLAW AMENDMENT RECORDED IN LIBER 1134, PAGE 460. TOGETHER WITH RIGHTS IN GENERAL COMMON ELEMENTS AND LIMITED COMMON ELEMENTS AS SET FORTH IN THE ABOVE MASTER DEED AND AS DESCRIBED IN ACT 59 OF PUBLIC ACTS OF 1978, AS AMENDED. The property is more commonly known as: 4942 Mich-A-Ke-Wa Trail, Cheboygan, Michigan 49721. The redemption period shall be six (6) months unless the property is established to be abandoned pursuant to MCL 600.3241a, in which case the redemption period shall be the later of thirty (30) days from the date of sale or fifteen (15) days from the date the notice required by MCL 600.3241a(b) was posted and mailed, or unless under MCL 600.3240(11), prior to the foreclosure sale the borrower follows the procedure set forth in that section to establish the presumption that the property is used for Agricultural purposes, in which case the redemption period shall be one (1) year from the date of the sale. Pursuant to MCL 600.3278, if the property is sold at a foreclosure sale under MCL 600.3201 et. seq., the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or the mortgage holder for damaging the property during the redemption period. This notice is from a debt collector. 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. Date of notice: March 21, 2026 By: Gary D. Popovits (P63861) Pezzetti, Vermetten, Popovits & Umulis, P.C., Attorneys for Mortgagee, 600 E. Front Street, Suite 102 - P.O. Box 5817, Traverse City, Michigan 49696-5817; (231) 929-3450 File No.: 13319.0053 Ad #274832 03/25/2026,04/01/2026,04/08/2026,04/15/2026 12190666