What does this mortgage foreclosure notice mean for Seth Polley?

It indicates a recorded default and that foreclosure proceedings have been initiated, which can lead to sale of the property if the debt isn't cured.

Who is the lender on this loan?

The mortgagee is Mortgage Electronic Registration Systems, Inc. as nominee for Home Point Financial Corporation.

Where and when was the mortgage recorded?

It was recorded in Carlton County, Minnesota, on June 5, 2020, as Document No. A000491880.

Foreclosure — Carlton

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Lender

Affects:HomeownersCreditorsProperty Buyers

This notice reports a mortgage default for a loan originated May 29, 2020, with an original principal of $283,765, and names the mortgagor Seth Polley and mortgagee Mortgage Electronic Registration Systems as nominee for Home Point Financial. It informs the public of foreclosure proceedings in Carlton County.

Key Takeaways

Mortgage default on loan dated May 29, 2020
Original principal: $283,765.00
Mortgagor: Seth Polley (single man)
Mortgagee: MERS as nominee for Home Point Financial
Filed June 5, 2020 in Carlton County Recorder

Published: May 22, 2026 · today
Category: Foreclosure
City: Carlton

Research context

6 foreclosure notices in Carlton (last 12 months)

If you don't respond

If no action is taken, the foreclosure process may continue, potentially resulting in sale of the property; the filing was recorded June 5, 2020, and failure to cure the default can lead to loss of property rights.

What to do next

1
Contact the loan servicer
Reach out to American Mortgage Investment Partners Management LLC to inquire about payoff, loss mitigation, or reinstatement options.
2
Obtain full foreclosure notice
Request the complete foreclosure sale notice from the Carlton County Recorder using Document No. A000491880 for deadlines and sale date.
3
Seek legal advice
Consult a Minnesota foreclosure attorney promptly to understand rights and possible defenses to avoid sale.

Frequently asked questions

What does this mortgage foreclosure notice mean for Seth Polley?: It indicates a recorded default and that foreclosure proceedings have been initiated, which can lead to sale of the property if the debt isn't cured.
Who is the lender on this loan?: The mortgagee is Mortgage Electronic Registration Systems, Inc. as nominee for Home Point Financial Corporation.
Where and when was the mortgage recorded?: It was recorded in Carlton County, Minnesota, on June 5, 2020, as Document No. A000491880.

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 (the party owed money).
Mortgagor: The borrower who gave the mortgage on the property as security for the loan.
Nominee: An entity listed to act on behalf of the actual lender; here MERS acts for Home Point Financial.
Servicer: Company that collects payments and manages the loan on behalf of the lender.
Recorder filing: Public recording of the mortgage document in the county records on a specific date.

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

This notice announces a mortgage foreclosure sale for a loan made December 31, 2001, where default has occurred on a mortgage originally held by North Shore Bank of Commerce and assigned to Minnesota Housing Finance Agency. The property recorded in Carlton County may be sold to satisfy the debt.

May 22, 2026ForeclosureCarlton

A mortgage on property recorded in Carlton County is in default and a foreclosure sale is being initiated after assignment to Towne Mortgage Company. The notice informs mortgagors of the default and pending foreclosure process and sale timeline.

May 22, 2026ForeclosureCarlton

This notice announces a mortgage foreclosure sale after default on an August 18, 2023 mortgage originally for $344,000. The lender/assignee is moving to foreclose; the borrower risks loss of the property if the debt isn't cured before the sale.

May 22, 2026ForeclosureCarlton

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

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.

May 8, 2026ForeclosureCarlton

Foreclosure — Carlton

What to do next

Frequently asked questions

Legal terms in this notice

Related Notices

This notice announces a mortgage foreclosure sale for a loan made December 31, 2001, where default has occurred on a mortgage originally held by North Shore Bank of Commerce and assigned to Minnesota Housing Finance Agency. The property recorded in Carlton County may be sold to satisfy the debt.

A mortgage on property recorded in Carlton County is in default and a foreclosure sale is being initiated after assignment to Towne Mortgage Company. The notice informs mortgagors of the default and pending foreclosure process and sale timeline.

This notice announces a mortgage foreclosure sale after default on an August 18, 2023 mortgage originally for $344,000. The lender/assignee is moving to foreclose; the borrower risks loss of the property if the debt isn't cured before the sale.

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.

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.

See also

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