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NOTICE OF MORTGAGE FORECLOSURE SALE

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THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 28, 2008 MORTGAGOR: Marnee Larson and Matthew Beckman, wife and husband. MORTGAGEE: Housing and Redevelopment Authority of the City of Saint Paul, Minnesota. DATE AND PLACE OF RECORDING: Recorded May 1, 2008 Ramsey County Recorder, Document No. 4094185. ASSIGNMENTS OF MORTGAGE: Assigned to: Minnesota Housing Finance Agency. Dated April 28, 2008 Recorded May 1, 2008, as Document No. 4094188. And thereafter assigned to: Housing and Redevelopment Authority of the City of St. Paul, Minnesota. Dated September 16, 2008 Recorded October 9, 2008, as Document No. 4120985. And assigned to: U.S. Bank, N.A. Dated April 28, 2008 Recorded October 9, 2008, as Document No. 4120986. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Housing and Redevelopment Authority of the City of Saint Paul, Minnesota RESIDENTIAL MORTGAGE SERVICER: U.S. Bank National Association MORTGAGED PROPERTY ADDRESS: 1016 Burns Avenue, Saint Paul, MN 55106 TAX PARCEL I.D. #: 042822210018 LEGAL DESCRIPTION OF PROPERTY: Lot (4), except the east 60 feet thereof and except the west 19 feet thereof, Block 26, Suburban Hills, according to the recorded plat thereof, and situate in Ramsey County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $95,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $61,877.78 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 6, 2026 at 10:00 AM PLACE OF SALE: Ramsey County Sheriff's Office Civil Process, 360 Wabasha St. N. Suite 111, St. Paul, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on January 6, 2027, unless that date falls on a weekend or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 23, 2025 U.S. Bank National Association Mortgagee/Assignee of Mortgagee LIEBO, WEINGARDEN, DOBIE & BARBEE, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19 - 25-006455 FC IN THE EVENT REQUIRED BY FEDERAL LAW: THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/31, 11/7, 11/14, 11/21, 11/28, 12/5/25 Star Tribune
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NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 14, 2021 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,200.00 MORTGAGOR(S): Emiko Hall and Larry J. Hall, a married couple MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Royal United Mortgage LLC DATE AND PLACE OF FILING: Recorded on August 10, 2021 as Document Number A04901170; as reformed by Court Order recorded on August 27, 2025 as Document Number A05077097 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Servbank, SB n/k/a Servbank, N.A. by assignment recorded on November 18, 2024 as Document Number A05046182 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 1, Cyrus Brooks Homestead, together with that part of vacated Elliott Place which accrued to said lot by the vacation thereof, Ramsey County, Minnesota . STREET ADDRESS OF PROPERTY: 884 MOUND ST, SAINT PAUL, MN 55106 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $143,490.11 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: Royal United Mortgage LLC RESIDENTIAL SERVICER: Servbank, N.A. TAX PARCEL IDENTIFICATION NUMBER: 332922330031 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1008722-0000799672-0 THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 25, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on May 26, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 02, 2025 SERVBANK, N.A. Mortgagee TROTT LAW, P.C. By: /s/ *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (24-1289-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/7, 10/14, 10/21, 10/28, 11/4, 11/11/2025 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 14, 2021 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,200.00 MORTGAGOR(S): Emiko Hall and Larry J. Hall, a married couple MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Royal United Mortgage LLC DATE AND PLACE OF FILING: Recorded on August 10, 2021 as Document Number A04901170; as reformed by Court Order recorded on August 27, 2025 as Document Number A05077097 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Servbank, SB n/k/a Servbank, N.A. by assignment recorded on November 18, 2024 as Document Number A05046182 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 1, Cyrus Brooks Homestead, together with that part of vacated Elliott Place which accrued to said lot by the vacation thereof, Ramsey County, Minnesota . STREET ADDRESS OF PROPERTY: 884 MOUND ST, SAINT PAUL, MN 55106 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $143,490.11 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: Royal United Mortgage LLC RESIDENTIAL SERVICER: Servbank, N.A. TAX PARCEL IDENTIFICATION NUMBER: 332922330031 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1008722-0000799672-0 THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 25, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on May 26, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 02, 2025 SERVBANK, N.A. Mortgagee TROTT LAW, P.C. By: /s/ *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (24-1289-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/7, 10/14, 10/21, 10/28, 11/4, 11/11/2025 Star Tribune

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NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 13, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,500.00 MORTGAGOR(S): Diane Renee Banigo and Dagogo D. Banigo, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100232301120054838 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON THE MORTGAGE: Centennial Mortgage and Funding, Inc. SERVICER: Select Portfolio Servicing, Inc. DATE AND PLACE OF FILING: Filed May 23, 2007, Hennepin County Recorder, as Document Number 8982617, thereafter modified by Loan Modification Agreement recorded on May 19, 2020 as Document Number A10788272 ASSIGNMENTS OF MORTGAGE: Assigned to: Nationstar Mortgage LLC; thereafter assigned to Select Portfolio Servicing, Inc. LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Brook Oaks 2nd PROPERTY ADDRESS: 2209 Edinbrook Terrace, Brooklyn Park, MN 55443 PROPERTY IDENTIFICATION NUMBER: 14-119-21-43-0006 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $373,890.16 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 2, 2025, 10:00AM PLACE OF SALE: Sheriff's Main Office, Civil Division, Room 190, City Hall, 350 South Fifth St., Minneapolis, MN 55415 to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys fees allowed by law, subject to redemption within 6 months from the date of said sale by the mortgagor(s) the personal representatives or assigns. TIME AND DATE TO VACATE PROPERTY:  If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property, if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23, is 11:59 p.m. on June 2, 2026, or the next business day if June 2, 2026 falls on a Saturday, Sunday or legal holiday. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032 DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 2, 2025 Select Portfolio Servicing, Inc. Assignee of Mortgagee LOGS Legal Group LLP Tracy J. Halliday - 034610X LOGS Legal Group LLP Attorneys for Mortgagee 1715 Yankee Doodle Road, Suite 210 Eagan, MN 55121 (952) 831-4060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/8, 10/15, 10/22, 10/29, 11/5, 11/12/2025 Star Tribune.

NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 13, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,500.00 MORTGAGOR(S): Diane Renee Banigo and Dagogo D. Banigo, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100232301120054838 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON THE MORTGAGE: Centennial Mortgage and Funding, Inc. SERVICER: Select Portfolio Servicing, Inc. DATE AND PLACE OF FILING: Filed May 23, 2007, Hennepin County Recorder, as Document Number 8982617, thereafter modified by Loan Modification Agreement recorded on May 19, 2020 as Document Number A10788272 ASSIGNMENTS OF MORTGAGE: Assigned to: Nationstar Mortgage LLC; thereafter assigned to Select Portfolio Servicing, Inc. LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Brook Oaks 2nd PROPERTY ADDRESS: 2209 Edinbrook Terrace, Brooklyn Park, MN 55443 PROPERTY IDENTIFICATION NUMBER: 14-119-21-43-0006 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $373,890.16 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 2, 2025, 10:00AM PLACE OF SALE: Sheriff's Main Office, Civil Division, Room 190, City Hall, 350 South Fifth St., Minneapolis, MN 55415 to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys fees allowed by law, subject to redemption within 6 months from the date of said sale by the mortgagor(s) the personal representatives or assigns. TIME AND DATE TO VACATE PROPERTY:  If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property, if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23, is 11:59 p.m. on June 2, 2026, or the next business day if June 2, 2026 falls on a Saturday, Sunday or legal holiday. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032 DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 2, 2025 Select Portfolio Servicing, Inc. Assignee of Mortgagee LOGS Legal Group LLP Tracy J. Halliday - 034610X LOGS Legal Group LLP Attorneys for Mortgagee 1715 Yankee Doodle Road, Suite 210 Eagan, MN 55121 (952) 831-4060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/8, 10/15, 10/22, 10/29, 11/5, 11/12/2025 Star Tribune.

Posted Online 4 weeks ago
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NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: Mortgagor: Sean Garrett, unmarried Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Luminate Home Loans, Inc., its successors and assigns Dated: January 16, 2024 Recorded: January 18, 2024 Hennepin County Recorder Document No. 11258388 Assigned To: U.S. Bank National Association Dated: July 17, 2025 Recorded: July 18, 2025 Hennepin County Recorder Document No. 11387363 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100867100001977485 Lender or Broker: Luminate Home Loans, Inc., a Corporation Residential Mortgage Servicer: U.S. Bank National Association Mortgage Originator: Luminate Home Loans, Inc., a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 8, Silver Lake Addition to Minneapolis, Hennepin County, Minnesota This is Abstract Property. TAX PARCEL NO.: 0902924130161 ADDRESS OF PROPERTY: 3235 Dupont Ave N Minneapolis, MN 55412 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,015.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $149,200.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 9, 2025, 10:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Unit, 350 South Fifth Street, Room 190, Minneapolis, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within 6 Months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is June 9, 2026 at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 10, 2025 U.S. Bank National Association, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: U.S. Bank National Association, Assignee of Mortgagee 1333 Northland Drive, Suite 205 Mendota Heights, MN 55120 801-355-2886 651-228-1753 (fax) THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. MN24931.
10/20, 10/27, 11/3, 11/10, 11/17, 11/24/2025 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: Mortgagor: Sean Garrett, unmarried Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Luminate Home Loans, Inc., its successors and assigns Dated: January 16, 2024 Recorded: January 18, 2024 Hennepin County Recorder Document No. 11258388 Assigned To: U.S. Bank National Association Dated: July 17, 2025 Recorded: July 18, 2025 Hennepin County Recorder Document No. 11387363 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100867100001977485 Lender or Broker: Luminate Home Loans, Inc., a Corporation Residential Mortgage Servicer: U.S. Bank National Association Mortgage Originator: Luminate Home Loans, Inc., a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 8, Silver Lake Addition to Minneapolis, Hennepin County, Minnesota This is Abstract Property. TAX PARCEL NO.: 0902924130161 ADDRESS OF PROPERTY: 3235 Dupont Ave N Minneapolis, MN 55412 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,015.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $149,200.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 9, 2025, 10:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Unit, 350 South Fifth Street, Room 190, Minneapolis, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within 6 Months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is June 9, 2026 at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 10, 2025 U.S. Bank National Association, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: U.S. Bank National Association, Assignee of Mortgagee 1333 Northland Drive, Suite 205 Mendota Heights, MN 55120 801-355-2886 651-228-1753 (fax) THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. MN24931.
10/20, 10/27, 11/3, 11/10, 11/17, 11/24/2025 Star Tribune

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