Guayama · Machete · Villa Rosa

This foreclosure auction stems from a mortgage enforcement action brought by MCLP Asset Company Inc against Joel Amaro Ruiz. The court entered judgment in November 2025 for $23,921.33 in principal plus 6.50% interest accruing since April 2023, late charges at 5% per overdue payment, a deferred balance of $788.82, and attorney fees equal to 10% of the principal ($4,160.00), totaling approximately $28,870.15. The property is a single-family concrete residence in Barrio Machete with three bedrooms and one bathroom on a 598 m² lot. Title review reveals a subordinate $15,000 mortgage to the Puerto Rico Housing Finance Authority recorded in 2003, subject to an eight-year "La Llave para tu Hogar" program condition. Investors should confirm lien priority, investigate the subordinate mortgage status, verify occupancy and condition, and be prepared to pay cash or certified funds at auction. Prior and preferred liens survive the sale.