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: June 25, 2022 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $486,000.00 MORTGAGOR(S): Milton Akabwai and Sandra Akabwai, as joint tenants MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for The Federal Savings Bank DATE AND PLACE OF FILING: Recorded on July 1, 2022 as Document Number A04953867 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: PennyMac Loan Services, LLC by assignment recorded on December 23, 2025 as Document Number A05090826 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Situated in the County of Ramsey, State of Minnesota: Real property in Ramsey County, Minnesota legally described as follows: Lot 5, Block 3, Harstad Second Addition, together with a permanent easement for ingress and egress to Silver Lake over Lot 1, Block 4, Harstad Second Addition, Ramsey County, Minnesota. STREET ADDRESS OF PROPERTY: 2904 SILVER LAKE CT NE, MINNEAPOLIS, MN 55421 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $474,951.60 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: The Federal Savings Bank RESIDENTIAL SERVICER: PennyMac Loan Services, LLC TAX PARCEL IDENTIFICATION NUMBER: 313023240007 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1010129-0000850368-5 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: July 21, 2026 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 January 21, 2027. 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: May 13, 2026 PENNYMAC LOAN SERVICES, LLC 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 (26-0482-FC01) Federal law may require reporting to the Financial Crimes Enforcement Network for certain purchases of residential property by entities or trusts. A successful third party bidder may be required to provide ownership and identifying information as a condition to completing the transfer. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
5/17, 5/24, 5/31, 6/7, 6/14, 6/21/26 Star Tribune.