2024 Land contract homes - How land contracts work. In a land contract, the seller essentially acts as the bank for the buyer. The seller retains ownership of the property while the buyer makes payments directly to them (or to their lender) according to the agreement terms. While the current owner maintains legal title—i.e., a legal right to the home—the buyer gets ...

 
 Zillow has 53 homes for sale in Cadillac MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. . Land contract homes

Home Insurance. Many land contracts require the buyer or seller to have home insurance. The party responsible for paying the insurance should be in the contract. Forfeiture. The forfeiture clause explains how a buyer could default on the contract. Read this carefully. Some land contracts have an “Acceleration Clause” that requires the …A land contract is a financing agreement with terms that have been negotiated between a buyer and seller. As such, the provisions of a land contract can vary widely based on the situation, and ...স্মার্ট ভূমি সেবায় আপনাকে স্বাগতম-ভূমি মন্ত্রণালয়।. ই-নামজারি. ভূমি উন্নয়ন কর. স্মার্ট ভূমি রেকর্ড ও ম্যাপ. স্মার্ট ভূমি নকশা ...This group is for people looking to buy or sell houses for sale on land contract anywhere in the city of Detroit, Highland Park or Hamtramck. If that describes you, feel free to post here. ⁣ If you...Land contracts are a kind of real estate financing used by buyers who cannot get conventional mortgage loans from traditional lending institutions due to …Feb 12, 2024 · Search 6 Properties in Sterling Heights, Michigan matching land contract. Browse photos, see new properties, get open house info, and research neighborhoods on Trulia. What is a California Real Estate Contract? A real estate contract in California, often referred to as a real estate purchase and sale agreement, is a contract that is executed by a party selling a property and a party who is offering to purchase the property. The contract is initiated when the buyer makes an offer. Once the seller accepts the offer and the …Massachusetts Land Contract Template. Create a high-quality document now! A Massachusetts land contract records the terms in a purchase and sale agreement between two parties for undeveloped land. The document contains everything from the agreed-upon purchase price to the legal descriptors of the land/lot as they appear on the …Houses Mansfield 40,000 $. View pictures. $19000 / 1ft² - Land for sale/ or land contract. (Jackson) 1acre lot for sale on Jisco west Rd. Jackson. Already has gravel driveway, water, electric, septic system in place,... Houses Chillicothe 19,000 $. View pictures.View property. Macomb, NY Saint Lawrence Country Land 35.010000 acre for sale in Brasie Corners, New York. 13642, Brasie Corners, Saint Lawrence County, NY. $99,900. ...before you obligate yourself with any contract and/or closing. Local financing may be available. Call or email for more information and details...AreaA Realty, South Bend, Indiana. 229 likes · 546 were here. Real Estate, Land Contract, Lease Option, Owner Financing, Rent to Own, Buy, Sell, Trade,...Zillow and Trulia are good places to start. The Ohio portion of Craigslist is a good source to easily find Ohio Land Contract homes, too. There are also FSBO …A land contract—which may also be called a “ contract for deed ,” “bond for deed” or “installment land contract”—works like a mortgage but, like an …Buying owner financed land. Find owner financed land for sale near me including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 11,658 matching properties for sale have an average listing price of $337,896 and price per acre of $17,620. Zillow has 6 homes for sale in Davison MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. A land contract is a legal agreement where the owner finances the buyer’s purchase of a piece of real estate. Learn how it works, what are the benefits and risks, and how to …Please post ISO land contract ads For ISO ads please include how much you can pay per month, how much you have saved for down payment, and how many beds baths desired. ALSO, PLEASE POST IF YOU ARE... Land Contract Homes of Lenawee / Adrian, MI Search 3 Properties in Westland, Michigan matching land contract . Browse photos, see new properties, get open house info, and research neighborhoods on Trulia. Quality, Land Contract, Rent-to-Own Homes For Sale! Follow us on Facebook for updates on properties. 313-537-5800. 18650 W Mc Nichols Rd. Detroit, MI 48219. Home. Representative's Property List. Sell Your Home. Contact. More. To play, press and hold the enter key. To stop, release the enter key. * Available properties from marketing sources. …Learn what a land contract is, how it differs from a mortgage, and the advantages and disadvantages of using one. Find out how to refinance a land contract into a traditional mortgage and what to watch out for in the contract terms. See moreA land contract is a home buying contract and a home loan agreement between buyer and seller. It’s similar to a mortgage but instead of borrowing money from a bank, the seller accepts the payment in installments over time, with interest. The payments are made usually monthly, until the property is paid off. At that time the deed is transferred to the buyer. …Find owner financed land for sale in Saginaw, MI including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 14 matching properties for sale near Saginaw have an average listing price of $23,971 and price per acre of $49,866. For more nearby real estate, explore land for sale in Saginaw, …Grand Blanc Homes for Sale $269,083. Brighton Homes for Sale $407,306. Clarkston Homes for Sale $396,844. Fenton Homes for Sale $341,014. White Lake Homes for Sale $361,651. Milford Homes for Sale $434,753. Holly Homes for Sale $294,073. Swartz Creek Homes for Sale $223,624. Highland Homes for Sale $358,759.Zillow has 6 homes for sale in Dayton OH matching Land Contract. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place.Buying owner financed land in Van Buren County. Find owner financed land for sale in Van Buren County, MI including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 12 matching properties for sale in Van Buren County have an average listing price of $140,146 and price per acre of $15,179.Pending & under contract. Sellers of these homes have accepted a buyer's offer; however, the home has not closed. Reset all filters. Apply. Save search. Caro MI Real Estate & Homes For Sale. ... - Lot / Land for sale. Show more. 32 days on Zillow. E Caro Rd, Caro, MI 48723. OSENTOSKI REALTY. $199,900-- sqft lot - Lot / Land for sale.Create Document. Updated August 11, 2023. A New York land contract records the terms and conditions of real estate transactions involving the transfer of ownership of vacant land. The contract serves to document all established conditions ranging from the agreed-upon sale price to any supplementary financial contingencies.Possible land contract homes in Grayling; Fox run golf course homes in Grayling; Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change. Check with the applicable school district prior to making a decision based on these boundaries. About the ratings: GreatSchools ratings are based on a comparison …We have 7 properties for sale listed as mi land contract clare, from just $23,500. Find clare properties for sale at the best price. ... delivery home is the "Ascend" plan by Pulte Homes, and is located in the community of The Arbor Oaks at 3618 Colt Drive, Ypsilanti, ...Sep 29, 2021 · Land contracts, or contracts for deed, are a security agreement between a seller, called a Vendor, and a buyer, called a Vendee: The Vendor agrees to sell a property by financing the purchase for the Vendee. The Vendor retains legal title and the Vendee receives equitable title. The owner-carried financing can include an existing mortgage ... View Michigan Land Contract Listings Homes for sale Vacant Land & Lots Acreage for Sale. 616-886-9389; Login; Signup; Toggle Navigation. Home; Listings . Property Search ; City Property Search ; County Property Search ; Vacant Land Listings ; Rural Development Listings ; Short Sale Listings ; REO Listings ; Land Contract . Vacant Land & Lots Land … REMAX PLATINUM GRAND BLANC. Listing provided by MiRealSource. $875,000. 73.97 acres lot. - Lot / Land for sale. 30 days on Zillow. 5555 E Hill Rd, Grand Blanc, MI 48439. BERKSHIRE HATHAWAY HOMESERVICES MICHIGAN REAL EST. $499,999. View Michigan Land Contract Listings Homes for sale Vacant Land & Lots Acreage for Sale. 616-886-9389; Login; Signup; Toggle Navigation. Home; Listings . Property Search ; City Property Search ; County Property Search ; Vacant Land Listings ; Rural Development Listings ; Short Sale Listings ; REO Listings ; Land Contract . Vacant Land & Lots Land … Zillow has 6 homes for sale in Davison MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. Land installment contracts are not new, but they are historically predatory. In these home purchase transactions, also known as contracts for deed, the buyer makes payments directly to the seller over a period of time—often 30 years—and the seller promises to convey legal title to the home only when the full purchase price has been paid. 39 Homes For Sale in Macomb County, MI. Browse photos, see new properties, get open house info, and research neighborhoods on Trulia. Zillow has 64 homes for sale in Saginaw MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. Get My Free Home Valuation. Understanding Land Contracts: A Comprehensive Guide. Exploring the Basics of Land Contracts. When it comes to buying or …Updated July 28, 2023. An Indiana land contract sets forth necessary terms regarding the purchase and sale of vacant land between two parties. It contains everything from the agreed-upon purchase price to the land’s legal description as written on the deed. The buyer usually puts together the contract, which they present to the seller as an initial offering …Learn what a land contract is, how it differs from a mortgage, and the advantages and disadvantages of using one. Find out how to refinance a land contract into a traditional mortgage and what to watch out for in the contract terms. See moreUnder contract. $1,225,000 2.5 acres. Mecklenburg County 5,471 sq ft • 4 bd. Clarksville, VA 23927. pending. Under contract. $450,000 67 acres. ... buying a cheap older house in the country or new construction home with land might be a good option. Rural homes with acreage offer move-in-ready privacy and diverse architecture, whether you're looking for …When selling a home on land contract the seller acts as the private lender. The buyer provides down payment and makes monthly installment payments to the seller for an agreed upon period of time at an agreed upon interest rate. Usually land contracts are done on a 3 – 5 year balloon. Meaning the borrower makes mortgage payments on a 15 …Oct 4, 2023 · A land contract is a financing agreement with terms that have been negotiated between a buyer and seller. As such, the provisions of a land contract can vary widely based on the situation, and ... BedsAny1+2+3+4+5+ Use exact match Bathrooms Any1+1.5+2+3+4+ Home Type Select All Houses Townhomes Multi-family Condos/Co-ops Lots/Land Apartments Manufactured Max HOA Homeowners Association (HOA)HOA fees are monthly or annual charges that cover the costs of maintaining and improving shared spaces. A land contract is a document that establishes the terms and conditions for the purchasing of vacant land for cash or trade. A land contract, similar to a standard purchase and sale agreement, details the agreement between the buyer and seller, including conditions, contingencies, and due diligence periods. Installment Land Contract. An ... We have 5 properties for sale listed as grosse pointe land contract, from just $249,000. Find grosse pointe properties for sale at the best price. ... For more details and to contact: homes_grosse-pointe-woods-d122524for-sale_i60195---. … A land contract is a document that establishes the terms and conditions for the purchasing of vacant land for cash or trade. A land contract, similar to a standard purchase and sale agreement, details the agreement between the buyer and seller, including conditions, contingencies, and due diligence periods. Installment Land Contract. An ... Learn what a land contract is, how it differs from a mortgage, and the advantages and disadvantages of using one. Find out how to refinance a land contract into a traditional mortgage and what to watch out for in the contract terms. See moreEasy low-down land contract terms $3, 500 down payment, 9% interest rate, $150 a month payment, and a...---30+ days ago Listanza. Report. View property. 7. Davison MI 48423 ID: 1US73513-48423, Davison, Genesee ... /land-contract-homes. 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A land contract, similar to a standard purchase and sale agreement, details the agreement between the buyer and seller, including conditions, contingencies, and due diligence periods. Installment Land Contract. An ... A land contract is a legal agreement between a buyer and a seller to purchase real estate. In this, the seller agrees to finance the sale of the property. A land contract is also known as a “contract for deed”. Under a land contract, you take possession of the property and assume responsibility for its maintenance.Buying owner financed land in Southern Indiana. Find owner financed land for sale in Southern Indiana including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 5 matching properties for sale in Southern Indiana have an average listing price of $276,699 and price per acre of $19,229.Land Contract terms available to qualified, serious individuals. 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Once the seller accepts the offer and the …Essentially, a land contract is a legal agreement between a buyer and seller for the purchase of a piece of real estate. In this arrangement, the buyer makes …OREC VACANT LOT / LAND (11-2019) Page 1 of 5 This form was created by the Oklahoma Real Estate Contract Form Committee and approved by the Oklahoma Real Estate Commission. OKLAHOMA REAL ESTATE COMMISSION This is a legally binding Contract; if not understood, seek advice from an attorney. OKLAHOMA UNIFORM CONTRACT OF SALE OF REAL …We have 8 properties for sale listed as gladwin land contract, from just $14,800. Find gladwin properties for sale at the best price. ... Listing agent mo bringard broker nexthome park place homes group...-1 bathrooms-30+ days ago Easyavvisi-us. Report. View property. Home For Sale In Gladwin, Michigan. It's located in 48624, Gladwin County, MI .Zillow has 4 homes for sale in Springfield OH matching Land Contract. 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Zillow has 64 homes for sale in Saginaw MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. . St johns county property appraiser

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Rent-to-Own and Land Installment Contracts New Yorkers should use caution before entering into any rent-to-own or any other form of alternative home purchase finance agreement. DFS is investigating whether alternative home purchase agreements, such as rent-to-own, lease-to-own or land installment contracts, being offered in New York …When selling a home on land contract the seller acts as the private lender. The buyer provides down payment and makes monthly installment payments to the seller for an agreed upon period of time at an agreed upon interest rate. Usually land contracts are done on a 3 – 5 year balloon. Meaning the borrower makes mortgage payments on a 15 …May 3, 2023 · Definition and Overview of Land Contracts. A land contract, also known as an installment land contract or a contract for deed, is a legal agreement between a buyer and a seller for the purchase of real estate property. In this arrangement, the seller essentially finances the buyer’s purchase, and the buyer agrees to make regular payments ... A land contract is when a homeowner agrees to sell a home directly to the buyer, with the terms for the deal set privately by the buyer and the seller. …Zillow has 4 homes for sale in Springfield OH matching Land Contract. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place.Find owner financed land for sale in Flint, MI including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 24 matching properties for sale near Flint have an average listing price of $183,631 and price per acre of $163,107. For more nearby real estate, explore land for sale in Flint, MI.A land contract is a written legal contract, or agreement, used to purchase real estate such as vacant land, a house, an apartment building, a commercial building, or other real property. A land contract is a form of seller financing. It is similar to a mortgage, but rather than borrowing money from an institutional lender or bank, the buyer ... Zillow has 6 homes for sale in Davison MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. NICE 1 BEDROOM HOME FOR SALE...LARGE YARD! SAFE AREA! I WILL FINANCE WITH $1500 DOWN AND A LOW 7.9% INTEREST RATE!... Houses Janesville 26,500 $. View pictures. $59800 / 2br - 5.5 acres and a Cozy Home. USDA Financing... This is a cozy 2br, 1ba home on 5.5 acres with a newer garage, a basement, and EXPANSION …Find owner financed land for sale in Flint, MI including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 24 matching properties for sale near Flint have an average listing price of $183,631 and price per acre of $163,107. 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The second house on lot is a 1 bedroom and comes free with this house! — *SAMPLE BUDGET – Price, Down-payment, and Terms Negotiable $ 55,000 Sale Price $ 7,000 Down Payment $ 48,000 Balance @ …Find owner financed land for sale in Virginia including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 216 matching properties for sale in Virginia have an average listing price of $338,527 and price per acre of $16,717. For more nearby real estate, explore land for sale in Virginia.A land contract home buyer gains equitable title to the home and is legally recognized to be its owner, paying taxes and other expenditures. As an equitable title holder in a land contract-bought home, the buyer enjoys the right to undisturbed enjoyment and use of the property, Except as permitted by the contract, the seller of a land contract …AreaA Realty, South Bend, Indiana. 229 likes · 546 were here. Real Estate, Land Contract, Lease Option, Owner Financing, Rent to Own, Buy, Sell, Trade, Property ...Land contracts are real estate agreements that outline the terms of a purchase between a buyer and seller for a tract of land. These agreements allow the buyer and seller to come up with their own financing terms, without the involvement of a third-party lender. Finding a seller willing to move forward with a land contract presents its own ...AreaA Realty, South Bend, Indiana. 229 likes · 546 were here. Real Estate, Land Contract, Lease Option, Owner Financing, Rent to Own, Buy, Sell, Trade, Property ...Zillow has 6 homes for sale in Davison MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place.19 Land Contract Pros and Cons. Land contracts are a form of seller financing that occurs during a real estate transaction. It is a written legal agreement that can involve a house, a commercial building, or even vacant land. The only stipulation is that it must include real property. It is a structure that is similar to the traditional mortgage.1695 S Mid Bay County Line Rd, Midland, MI 48642. AYRE/RHINEHART-MIDLAND. Listing provided by MiRealSource. $775,000. 5 bds. 5 ba. 2,800 sqft. - House for sale. 2 days on Zillow.Land contract 100, 000 down. 1388 per month. 72 months. ... quick delivery home is the "Woodside" plan by Pulte Homes, and is located in the community of The Deerbrook at 22150 Prairie Drive, ...OREC VACANT LOT / LAND (11-2019) Page 1 of 5 This form was created by the Oklahoma Real Estate Contract Form Committee and approved by the Oklahoma Real Estate Commission. OKLAHOMA REAL ESTATE COMMISSION This is a legally binding Contract; if not understood, seek advice from an attorney. 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Find homes for sale in Wayne County, MI over $100,000. View listing details, property photos, and even sign up to receive email alerts when new listings hit the market! Explore land for sale in Northern Kentucky and owner financed land for sale in Kentucky for more nearby properties. 11 days. $154,000 61.5 acres. Carter County. Rush, KY 41168. 20 months. $2,150,000 48 acres. Franklin County — sq ft • 3 bd. Frankfort, KY 40601.Wayne County Land Contracts. Real Estate Websites by. Find homes for sale in Wayne County, MI over $100,000. View listing details, property photos, and even sign up to receive email alerts when new listings hit the market!Feb 2, 2024 · Land contracts are used so that the purchase or sale of a property or piece of land can be accomplished in a simplified and, in many cases, more cost-effective manner. A land contract is a legal arrangement between a buyer and seller in which the seller agrees to finance the buyer’s acquisition of a real estate asset. May 3, 2023 · Definition and Overview of Land Contracts. A land contract, also known as an installment land contract or a contract for deed, is a legal agreement between a buyer and a seller for the purchase of real estate property. In this arrangement, the seller essentially finances the buyer’s purchase, and the buyer agrees to make regular payments ... LAND CONTRACT: 6 Things You Should Know. Watch on. Land contracts are a common seller-financed alternative to a traditional mortgage. And they are often used for vacant land transactions because there are benefits for both buyers and sellers. In this blog, we’ll tell you everything you need to know. Keep reading for more! 1. Zillow has 25 homes for sale in Warren MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. Land contracts are a kind of real estate financing used by buyers who cannot get conventional mortgage loans from traditional lending institutions due to …The rehabilitated homes are then sold to at-risk homebuyers on an interest-free contract for deed. The program defines at-risk homebuyers as those who are "homeless, receiving public assistance or otherwise lacking the ability to meet mortgage underwriting standards for traditional financing."Land contracts are real estate contracts between buyers and sellers in purchasing or selling land or real property. They’re used specifically for seller …Feb 2, 2024 · Land contracts are used so that the purchase or sale of a property or piece of land can be accomplished in a simplified and, in many cases, more cost-effective manner. A land contract is a legal arrangement between a buyer and seller in which the seller agrees to finance the buyer’s acquisition of a real estate asset. Home Insurance. Many land contracts require the buyer or seller to have home insurance. The party responsible for paying the insurance should be in the contract. Forfeiture. The forfeiture clause explains how a buyer could default on the contract. Read this carefully. Some land contracts have an “Acceleration Clause” that requires the …A land contract is an alternative way to buy a piece of property other than a traditional mortgage. It is an agreement for sale in Arizona between two individual parties for the purchase of real estate. If you can find a contract for deed land for sale, it is a type of seller financing where you make payments to the owner of the real estate instead of a bank. New York’s Homeowner Protection Program (HOPP), which connects with housing counselors and legal services at no cost. Call the HOPP hotline at (855) 466-3456 or visit homeownerhelpny.com. 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Flint 3 BR-HUGE DETACHED GARAGE-BASEMENT-APPLIANCES-MOVE ASAP. $1,100. Flint 1400 Sq Ft ...Land installment contracts are not new, but they are historically predatory. In these home purchase transactions, also known as contracts for deed, the buyer makes payments directly to the seller over a period of time—often 30 years—and the seller promises to convey legal title to the home only when the full purchase price has been paid. REMAX PLATINUM GRAND BLANC. Listing provided by MiRealSource. $875,000. 73.97 acres lot. - Lot / Land for sale. 30 days on Zillow. 5555 E Hill Rd, Grand Blanc, MI 48439. BERKSHIRE HATHAWAY HOMESERVICES MICHIGAN REAL EST. $499,999. Buying owner financed land in Southern Indiana. Find owner financed land for sale in Southern Indiana including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 5 matching properties for sale in Southern Indiana have an average listing price of $276,699 and price per acre of $19,229.A land contract is a written legal contract, or agreement, used to purchase real estate such as vacant land, a house, an apartment building, a commercial … Zillow has 6 homes for sale in Davison MI matching Land Contract Available. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. Search 3 Properties in Westland, Michigan matching land contract . Browse photos, see new properties, get open house info, and research neighborhoods on Trulia. A Nevada real estate contract is a legally binding contract that is drafted when a buyer makes an offer on real estate that is for sale. Find Lawyers Services Resources ... It’s only $60,000 with a $120,000 appraisal. So, as of now I am stuck paying 2.5x monthly under this land contract than I was promised would be an easy mortgage process. So any …A land contract home buyer gains equitable title to the home and is legally recognized to be its owner, paying taxes and other expenditures. As an equitable title holder in a land contract-bought home, the buyer enjoys the right to undisturbed enjoyment and use of the property, Except as permitted by the contract, the seller of a land contract …Buying owner financed land in Las Vegas. Find owner financed land for sale in Las Vegas, NV including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. The 24 matching properties for sale near Las Vegas have an average listing price of $1,046,539 and price per acre of $604,328.Land contract. A land contract, (also known as contract for deed or agreement for deed ), is a contract between the buyer and seller of real property in which the seller provides the buyer financing in the purchase, and the buyer repays the resulting loan in installments. Under a land contract, the seller retains the legal title to the property ...Feb 12, 2024 · 1,486 Homes For Sale in Macomb County, MI. Browse photos, see new properties, get open house info, and research neighborhoods on Trulia. A land contract form is a contract between two parties – the seller and the buyer – regarding a specific piece of land. Property developers sell and advertise pieces of land just like real estate agents sell properties. Moreover, most land contracts involve purchases financed by the sellers.Land contracts are real estate agreements that outline the terms of a purchase between a buyer and seller for a tract of land. These agreements allow the buyer and seller to come up with their own financing terms, without the involvement of a third-party lender. Finding a seller willing to move forward with a land contract presents its own ...5 Big Lake land contract. 4 Modoc land contract. 2 Kokomo land contract. 2 New Castle land contract. 2 Richmond land contract. 2 Derby land contract. 1 Alexandria land contract. 1 Summitville land contract. 1 Roselawn land contract.A land contract is a way to buy and sell real estate without involving a bank or other third-party lender. The seller finances the purchase, the buyer pays for it in installments and the title remains in …Land contracts are real estate agreements that outline the terms of a purchase between a buyer and seller for a tract of land. These agreements allow the buyer and seller to come up with their own financing terms, without the involvement of a third-party lender. Finding a seller willing to move forward with a land contract presents its own ...418 Homes For Sale in Flint, MI. 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