NOTICE OF MORTGAGE FORECLOSURE SALE, Westover

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.

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    NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage:

DATE OF MORTGAGE:  03/18/2005

MORTGAGOR(S):   Kristin L. Westover, a single person.

MORTGAGEE:    Bremer Bank, National Association

SERVICER:   US Bank Home Mortgage

MORTGAGE ID #:  n/a

DATE AND PLACE OF RECORDING:  Recorded March 21, 2005,Koochiching County Recorder, Document No. A000251354.

ASSIGNMENTS OF MORTGAGE: Assigned to: Minnesota Housing Finance Agency Dated: March 18, 2005,Recorded March 21, 2005,Koochiching County Recorder, Document No. A000251355.

LEGAL DESCRIPTION OF PROPERTY:  Lots 3, 4, 5, 6, and 7, Block 11, Wallace Addition to Koochiching

REGISTERED PROPERTY: No

TAX PARCEL NO.:  92-129-11030

ADDRESS OF PROPERTY:

1706 3rd Ave West

International Falls, MN 56649

COUNTY IN WHICH PROPERTY IS LOCATED:  Koochiching

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:  $45,950.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $42,231.88

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:  Tuesday, June 19, 2012, 10:00 a.m.

PLACE OF SALE:  Sheriff’s Office, City of International Falls

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  12/19/2012 at 11:59 p.m.   If the foregoing date is a Saturday, Sunday or legal holiday, then the date to vacate is the next business day 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: April 18, 2012

Minnesota Housing Finance Agency

Assignee of Mortgagee

Peterson, Fram & Bergman, P.A.

By: Michael T. Oberle

Attorneys for:

Minnesota Housing Finance Agency

Assignee of Mortgagee

55 E. 5th St., Suite 800

St. Paul, MN  55101

(651) 209-7599

           THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

16205-120243

The Journal

April 25, May 2, 9, 16, 23 & 30, 2012