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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: Steven Paletz, a single man Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Homeowners Financial Group USA, LLC an Arizona Limited Liability Company, its successors and assigns Dated: January 15, 2016 Filed: January 25, 2016 Hennepin County Registrar of Titles Document No. T05322940 Against Certificate of Title No.: 1407002 Assigned To: Wells Fargo Bank, N.A. Dated: June 4, 2021 Filed June 4, 2021 Hennepin County Registrar of Titles Document No. 5843332 Against Certificate of Title No.: 1407002 Assigned To: US Bank Trust National Association, Not In Its Individual Capacity But Solely As Owner Trustee For VRMTG Asset Trust Dated: August 8, 2024 Filed August 8, 2024 Hennepin County Registrar of Titles Document No. 6089409 Against Certificate of Title No.: 1407002 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003775-1300105376-3 Lender or Broker: Homeowners Financial Group USA, LLC an Arizona Limited Liability Company Residential Mortgage Servicer: Shellpoint Mortgage Servicing Mortgage Originator: Homeowners Financial Group USA, LLC an Arizona Limited Liability Company LEGAL DESCRIPTION OF PROPERTY: Unit No. 1008, CIC No. 1039, Garden-Villas at the Reserve, a condominium located in Hennepin County, Minnesota This is Registered Property. TAX PARCEL NO.: 10-118-22-21-0125 ADDRESS OF PROPERTY: 13825 52nd Ave N 1008 Plymouth, MN 55446 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $109,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $96,829.36 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: January 13, 2026, 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 July 13, 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: November 4, 2025 US Bank Trust National Association, Not In Its Individual Capacity But Solely As Owner Trustee For VRMTG Asset Trust , Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: US Bank Trust National Association, Not In Its Individual Capacity But Solely As Owner Trustee For VRMTG Asset Trust , 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. MN25162. 11/10, 11/17, 11/24, 12/1, 12/8, 12/15/25 Star Tribune.
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