NOTICE OF MORTGAGE SALE 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. 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 Ingham County, starting promptly at 10:00 a.m. on February 19, 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. DEFAULT having been made in the conditions of a certain Mortgage made on March 31, 2015, by Angela Patrice Ray and Rapheal Omarr Ray, wife and husband, as Mortgagor, given by them to Michigan State University Federal Credit Union, of 3777 West Road, East Lansing, Michigan 48823, as Mortgagee, and recorded on April 22, 2015, in Instrument Number 2015-016142, Ingham County Records; on which Mortgage there is claimed to be due and unpaid, as of the date of this Notice, the sum of Sixteen Thousand Two Hundred Sixty-Six and 86/100 Dollars ($16,266.86); and no suit or proceeding at law or in equity having been instituted to recover the debt or any part thereof secured by said Mortgage, and the power of sale in said Mortgage having become operative by reason of such default; NOTICE IS HEREBY GIVEN that on Thursday, February 19, 2026 at 10:00 o'clock in the forenoon, at the Veterans Memorial Courthouse, 313 W. Kalamazoo, Lansing, Michigan, that being one of the places for holding the Circuit Court for Ingham County, there will be offered for sale and sold to the highest bidder or bidders at public auction or venue for purposes of satisfying the amounts due and unpaid on said Mortgage, together with all allowable costs of sale and includable attorney fees, the lands and premises in said Mortgage mentioned and described as follows: SITUATED IN THE CITY OF LANSING, COUNTY OF INGHAM, STATE OF MICHIGAN: Lot 166, Snyder's Subdivision, City of Lansing, Ingham County, Michigan, according to the recorded plat thereof in Liber 4 of Plats, Page 27, Ingham County Records. Commonly known as: 426 S. Francis Ave., Lansing, Michigan 48912 Parcel Number: 33-01-01-14-376-031 The period within which the above premises may be redeemed shall expire six (6) months from the date of sale, unless determined abandoned in accordance with MCL Sec. 600.3241a, in which case the redemption period shall be 30 days following the sale or 15 days from the statutory notice, whichever is later. If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to MCL 600.3278, the mortgagor(s) will be held responsible to the person who buys the property at the foreclosure sale or to the mortgage holder for damaging the property during the redemption period. This notice is from a debt collector. Dated: January 6, 2026 MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION of East Lansing, Michigan, Mortgagee FOSTER, SWIFT, COLLINS & SMITH, P.C. Benjamin J. Price Attorneys for Mortgagee 313 S. Washington Square Lansing, MI 48933 (517) 371-8253 (01-15)(02-12)