What property is being foreclosed?

The notice does not list a street address; it identifies the mortgagor and the recorded mortgage in Carlton County (Doc A000491880).

Who is foreclosing on the mortgage?

Mortgage Electronic Registration Systems, Inc. as nominee for Home Point Financial Corporation, with servicer American Mortgage Investment Partners Management LLC.

What happens if I ignore this notice?

The lender can proceed to a foreclosure sale, which could result in loss of the property under the recorded action dated June 5, 2020.

Foreclosure — Carlton

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Lender

Affects:HomeownersCreditorsProperty BuyersGovernment Agencies

A mortgage foreclosure sale is being initiated for a loan made May 29, 2020, originally $283,765, where the borrower Seth Polley is in default and the mortgagee (MERS as nominee for Home Point Financial) seeks enforcement through Carlton County record action.

Key Takeaways

Foreclosure started on mortgage dated May 29, 2020
Original principal: $283,765.00
Mortgagor: Seth Polley (single man)
Mortgagee: MERS as nominee for Home Point Financial
Recorded in Carlton County on June 5, 2020 (Doc A000491880)

Published: May 8, 2026 · 1 week ago
Category: Foreclosure
City: Carlton

Research context

2 foreclosure notices in Carlton (last 12 months)

If you don't respond

If nothing is done, the lender may proceed with foreclosure sale which could result in loss of the property; the notice references the recorded document dated June 5, 2020, as the start of enforcement.

What to do next

1
Locate the recorded mortgage document
Review Carlton County Recorder document No. A000491880 (filed June 5, 2020) for property details and legal descriptions.
2
Contact the loan servicer
Reach out to American Mortgage Investment Partners Management LLC to request payoff information and discuss possible reinstatement.
3
Seek legal advice promptly
Consult a Minnesota foreclosure attorney to understand deadlines, rights, and potential defenses before sale proceedings advance.

Frequently asked questions

What property is being foreclosed?: The notice does not list a street address; it identifies the mortgagor and the recorded mortgage in Carlton County (Doc A000491880).
Who is foreclosing on the mortgage?: Mortgage Electronic Registration Systems, Inc. as nominee for Home Point Financial Corporation, with servicer American Mortgage Investment Partners Management LLC.
What happens if I ignore this notice?: The lender can proceed to a foreclosure sale, which could result in loss of the property under the recorded action dated June 5, 2020.

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

Mortgagee: The lender or entity that holds the mortgage and can enforce it if borrower defaults.
Mortgagor: The borrower who granted the mortgage on the property.
Nominee: An entity listed to act on behalf of the actual lender, often for record-keeping purposes.
Servicer: Company that collects payments and handles loan administration for the lender.

Full Notice Text

NOTICE OF MORTGAGEFORECLOSURE SALETHE RIGHT TO VERIFICATIONOF THE DEBT AND IDENTITYOF THE ORIGINAL CREDITORWITHIN THE TIME PROVIDEDBY LAW IS NOT AFFECTED BYTHIS ACTION. NOTICE IS HEREBYGIVEN: That default has occurredin the conditions of the followingdescribed mortgage: DATE OFMORTGAGE: May 29, 2020ORIGINAL PRINCIPAL AMOUNTOF MORTGAGE: $283,765.00MORTGAGOR(S): Seth Polley, ASingle Man MORTGAGEE: MortgageElectronic Registration Systems,Inc. as Mortgagee, as Nominee forHome Point Financial Corporation,its successors and assignsTRANSACTION AGENT: MortgageElectronic Registration System,Inc. MIN#: 100661190004529001SERVICER: American MortgageInvestment Partners ManagementLLC LENDER: Home Point FinancialCorporation DATE AND PLACE OFFILING: Carlton County Minnesota,Recorder, on June 5, 2020, asDocument No. A000491880.

Related Notices

Notice

DateCategoryCity

A USDA-held mortgage on 15 Vermillion Street in Carlton is scheduled for sheriff's sale on June 2, 2026 to satisfy a claimed debt of $307,544.68; the property is redeemable for six months after sale unless a court orders a shorter period.

May 8, 2026ForeclosureCarlton