NOTICE OF FORCLOSURE SALE COURT ACTION: 3CCV-20-0000265, BANK OF NEW YORK MELLON TRUST COMPANY, N.A. AS TRUSTEE FOR MORTGAGE ASSETS MANAGEMENT SERIES I TRUST v. MARGARET FERNANDES; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; ASSOCIATION OF APARTMENT OWNERS OF KOMOHANA GARDENS; DOES 1-20, Circuit Court of the Third Circuit, State of Hawai’i. PROPERTY DESCRIPTION: 1. All that certain parcel of land situate at Waiakea, District of South Hilo, County and State of Hawai’i, further identified by Tax Map Key No. (3) 2-1-006-018-0000. 2. Street Address: 1031 Laulima Way, Hilo Hawai’i 3. Property Class: Homeowner 4. Improvements: 1,472 sq. ft. unit; 3 bedroom, 2 bath; built in 1975. OPEN HOUSE: Friday, August 20, 2021, 9:00 a.m. 11:00 a.m. Saturday, August 21, 2021, 9:00 a.m. 11:00 a.m. DATE, TIME&LOCATION OF SALE: Friday, September 3, 2021, 12:00 p.m. Front entrance of Hale Kaulike (State Judiciary Building), 777 Kilauea Avenue, Hilo, Hawai’i. Auction participants and observers must maintain a six-foot physical distance separation and must wear a mask over their nose and mouth (unless a participant or observer has a disability and cannot wear a mask or cannot safely wear a mask, for reasons related to the disability). TERMS OF SALE: The property will be sold “as is” to the highest bidder at public auction with no upset price. Sale is not final until approved and confirmed by the Court. The highest bidder is required to make a down payment, via cash, certified check, or cashier’s check, at the time of the bid, in an amount equal to ten percent (10%) of the bid price. The balance of the purchase price shall be paid by way of cash, certified or cashier’s check to the Commissioner upon approval and confirmation of the sale by the Circuit Court of the Third Circuit and tender of the document transferring title. The buyer(s) shall be responsible for paying the costs of conveyancing, including escrow fees, preparing documents, recordation, conveyance tax, and securing possession of the property. *The information contained herein has been obtained from sources the Commissioner believes to be reliable. It is the sole responsibility of all prospective bidders to conduct an independent investigation of the property prior to bidding. For further information, contact Shaunda A. K. Liu, Esq, Commissioner, at (808) 747-4264 or Law Office of Shaunda A. K. Liu, LLLC, P.O. Box 5841, Hilo, Hawai’i 96720. (HTH1334867 7/25, 8/1, 8/8/21)