What is being foreclosed in this notice?

A reverse mortgage executed by Jean and Johnny Lovechio in 2011, now owned by the Secretary of Housing and Urban Development.

Who currently owns the mortgage?

The mortgage is owned by the U.S. Department of Housing and Urban Development (the Secretary), per an assignment recorded in 2019.

Where was the mortgage recorded?

In the Office of the Judge of Probate of St. Clair County, Alabama.

Foreclosure — St. Clair County

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Government

Affects:HomeownersProperty BuyersGovernment Agencies

This notice announces a default and foreclosure sale on a reverse mortgage originally executed in 2011 by Jean and Johnny Lovechio, now owned by the U.S. Department of Housing and Urban Development. The mortgage holder is seeking foreclosure following default.

Key Takeaways

Mortgage executed March 18, 2011 is in default
Loan insured and now owned by HUD/Secretary of Housing
Foreclosure sale will be conducted to recover debt
Mortgage recorded in St. Clair County probate records

Published: May 7, 2026 · 1 week ago
Category: Foreclosure
City: St. Clair County

If you don't respond

If no action is taken, the mortgagee will proceed with foreclosure sale to recover the property; the notice does not state a specific deadline in the provided text.

What to do next

1
Obtain full foreclosure notice
Request or locate the complete foreclosure sale notice for sale date, time, and property description in St. Clair County records.
2
Contact HUD representative or servicer
Reach out to the Department of Housing and Urban Development or the listed mortgage servicer to discuss reinstatement options and deadlines.
3
Consult an attorney
Speak with a foreclosure or real estate attorney immediately to review rights and possible defenses.

Frequently asked questions

What is being foreclosed in this notice?: A reverse mortgage executed by Jean and Johnny Lovechio in 2011, now owned by the Secretary of Housing and Urban Development.
Who currently owns the mortgage?: The mortgage is owned by the U.S. Department of Housing and Urban Development (the Secretary), per an assignment recorded in 2019.
Where was the mortgage recorded?: In the Office of the Judge of Probate of St. Clair County, Alabama.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Reverse mortgage: A loan allowing homeowners to borrow using home equity, often repaid when the home is sold.
Mortgagee: The lender or entity that holds the mortgage (here, HUD/Secretary).

Full Notice Text

NOTICE OF DEFAULT 
AND FORECLOSURE SALE

WHEREAS, on March 18, 2011, a certain Mortgage was executed by Jean Lovechio and Johnny Lovechio, wife and husband, for and during their joint lives and upon the death of either of them, then to the survivor of them in fee simple, together with every contingent remainder and right of reversion, as mortgagor(s), in favor of One Reverse Mortgage, LLC, as mortgagee, and was recorded on April 1, 2011, in MORTGAGE Book 2011, in Page 9961 in the Office of the Judge of Probate of St. Clair County, State of AL; and

WHEREAS, the Mortgage was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and

WHEREAS, the Mortgage is now owned by the Secretary, pursuant to an assignment dated November 5, 2018 and recorded on February 1, 2019, in MORTGAGE Book 2019, at Page 3159 in the Office of the Judge of Probate of St. Clair Count