What does it mean that my mortgage is in default?

It means you failed to meet the loan terms (usually missed payments) and the lender can seek foreclosure.

Who are the parties named in this notice?

Borrowers Zachary Ray Werner and Jessica Jean Tracy Osman and lender American National Bank of Minnesota.

Was the mortgage changed after it was recorded?

Yes — the notice says the mortgage was modified on June 6, 2025 and that modification was recorded.

Foreclosure — Cass

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Lender

Affects:HomeownersCreditorsProperty Buyers

This notice informs borrowers Zachary Ray Werner and Jessica Jean Tracy Osman that they’re in default on a mortgage originally dated January 28, 2020, held by American National Bank of Minnesota, and foreclosure sale proceedings are being initiated for the Cass County property. The mortgage was modified June 6, 2025.

Key Takeaways

Mortgage in default — foreclosure proceedings started
Borrowers: Zachary R. Werner and Jessica J.T. Osman
Original mortgage recorded Jan 31, 2020 (Cass County)
Mortgage modified June 6, 2025

Published: May 19, 2026 · 2 days ago
Category: Foreclosure
City: Cass

Research context

2 foreclosure notices in Cass (last 12 months)

If you don't respond

If the borrowers do not cure the default before the foreclosure sale, the property may be sold at a sheriff’s sale and they could lose ownership; specific sale date and redemption details will be in the full notice.

What to do next

1
Obtain the full foreclosure notice
Request the complete recorded notice from the Cass County Recorder to get sale date, amounts owed, and contact details.
2
Contact the lender or loan servicer
Speak with American National Bank of Minnesota immediately to discuss curing the default or reinstatement options before the sale.
3
Consult a housing attorney or legal aid
Get legal advice on redemption rights, alternatives to foreclosure, and any defense — do this as soon as possible.

Frequently asked questions

What does it mean that my mortgage is in default?: It means you failed to meet the loan terms (usually missed payments) and the lender can seek foreclosure.
Who are the parties named in this notice?: Borrowers Zachary Ray Werner and Jessica Jean Tracy Osman and lender American National Bank of Minnesota.
Was the mortgage changed after it was recorded?: Yes — the notice says the mortgage was modified on June 6, 2025 and that modification was recorded.

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

Mortgage modification: A written change to the original loan terms, such as interest or payment schedule.
Default: Failure to meet loan obligations, often missed payments, triggering lender remedies.
Recorder/recorded: Filing the mortgage document with the county office to make it part of public records.

Full Notice Text

NOTICE OFMORTGAGEFORECLOSURE SALETHE RIGHT TO VERI-FICATION OF THE DEBTAND IDENTITY OF THEORIGINAL CREDITORWITHIN THE TIMEPROVIDED BY LAW ISNOT AFFECTED BY THISACTION.Date: April 24, 2026YOU ARE NOTIFIEDTHAT:1. Default has occurredin the conditions of thatcertain Mortgage ownedby the undersigned thatwas executed by andbetween Zachary RayWerner and Jessica JeanTracy Osman, as husbandand wife, as Mortgagors,and American NationalBank of Minnesota, asMortgagee, which Mort-gage is dated January 28,2020, and was recorded,as document numberA000657224, on January31, 2020 with the Officeof the County Recorderin an for Cass County,Minnesota, and whichMortgage was modified bythat certain Modificationof Mortgage, dated June6, 2025, and was recorded,as document numberA

Related Notices

Notice

DateCategoryCity

A mortgage holder (American National Bank of Minnesota) notifies that Zachary Ray Werner and Jessica Jean Tracy Osman defaulted on a mortgage recorded in Cass County; a foreclosure sale is being initiated following a 2025 mortgage modification. The notice starts the process toward sale of the property.

May 12, 2026ForeclosureCass

Foreclosure — Cass

What to do next

Frequently asked questions

Legal terms in this notice

Related Notices

See also

More from American National Bank of Minnesota→