                                _____________

                                No. 95-2519SD
                                _____________

United States of America,              *
                                       *
           Plaintiff-Appellee,         *
                                       *
     v.                                *
                                       *
Dennis L. Birchem, also known          *
as Dennis Lee Birchem; Connie          *   Appeal from the United States
R. Birchem, also known as              *   District Court for the District
Constance Rae Birchem;                 *   of South Dakota.
                                       *
           Defendants-Appellants,*
                                      *
Henry P. Birchem; Evelyn C.           *
Birchem; Chad Birchem; Roberts        *
County, South Dakota, a               *
political subdivision of the          *
State of South Dakota,                *
                                      *
           Defendants.                *
                                _____________

                         Submitted:   October 23, 1996

                          Filed: November 14, 1996
                                _____________

Before FAGG, BOWMAN, and HANSEN, Circuit Judges.
                              _____________


FAGG, Circuit Judge.


     Dennis L. Birchem and Connie R. Birchem (the Birchems) own and
operate a family farm in Roberts County, South Dakota.         In 1979, the
Birchems obtained a large loan from the Farmers Home Administration (FmHA).
As security, the Birchems gave the FmHA a junior mortgage on their farm.
Following the Birchems' prolonged failure to make payments on their loan,
the FmHA filed this foreclosure action.     There being no dispute about the
Birchems' default, the district court granted the FmHA's motion for summary
judgment and ordered foreclosure.     See United States v. Birchem,
883 F. Supp. 1334, 1342-43 (D. S.D. 1995).      The Birchems appeal and we
affirm.


      The FmHA commenced foreclosure proceedings after the Birchems failed
to make a timely request for loan servicing.       See 7 U.S.C. § 1981d(e)
(1988).    According to the Birchems, their failure to take advantage of the
FmHA's loan service programs should be excused because the "FmHA failed to
provide notice [of the programs] by certified mail delivered personally to
[them]."    Contrary to the Birchems' view, however, neither the statutory
scheme nor the implementing regulations require personal notice.       See 7
U.S.C. § 1981d(a); 7 C.F.R. §§ 1951.907(d), .907(f) (1989).     Instead, the
statute's notice requirement is satisfied when the FmHA "provide[s] notice
by certified mail to each borrower."   7 U.S.C. § 1981d(a).   As the district
court observed, the FmHA complied with the notice requirements of both the
statute and the regulations.    See Birchem, 883 F. Supp. at 1336-37, 1341-
42.   Because the Birchems were conducting their farming operation under a
confirmed chapter eleven bankruptcy plan, the FmHA initially sent a notice
about the loan service programs to the Birchems' attorney of record in
their bankruptcy case.   Several months went by with no response.   The FmHA
then sent the notice and the necessary forms to the Birchems' attorney by
certified mail.      See 7 C.F.R. § 1951.907(d).     Although the Birchems
currently assert their attorney was no longer representing them when the
notices were mailed, the Birchems' premailing conversations with the FmHA
suggest otherwise.   Regardless, coincidental with the certified mailing to
the Birchems' attorney, the FmHA mailed a copy of the notice to the
Birchems by certified mail.     By reading this notice, the Birchems would
have learned about the loan service programs and realized the relevant
forms that needed to be completed within the next forty-five days were in
the hands of their attorney.     Nevertheless, the Birchems did not respond
to the FmHA's notice until several months later.    To justify their delay,
the Birchems rely on the affidavit of their college-aged son, Chad Birchem.
In




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his affidavit, Chad admits signing a postal receipt for the FmHA's notice,
but states he misplaced the notice and never gave it to his parents.   Even
so, the FmHA bears no responsibility for Chad's oversight.         Like the
district court, we conclude the FmHA complied with the notice requirement
prescribed in § 1981d(a).   See Birchem, 883 F. Supp. at 1339, 1341-42.   We
will not consider the Birchems' argument that the FmHA failed strictly to
comply with § 1981d(b).     Instead of raising this issue in the district
court or their opening brief, the Birchems made the argument for the first
time in a footnote to their reply brief.    See United States v. Davis, 52
F.3d 781, 783 (8th Cir. 1995).


     We likewise reject the Birchems' contention that the FmHA's failure
to give them personal notice violated their constitutional right to due
process.   Due process only required the FmHA to use a notice procedure that
was reasonably calculated to inform the Birchems of their preforeclosure
options.   See Mennonite Bd. of Missions v. Adams, 462 U.S. 791, 795 (1983).
Aside from the notices mailed to the Birchems' attorney, the FmHA also
mailed the same notice to the Birchems' home mailing address.   The delivery
of this notice to the Birchems' home satisfied the requirements of due
process.   See Tulsa Prof'l Collection Servs., Inc. v. Pope, 485 U.S. 478,
490 (1988).


     Next, the Birchems contend that even if the district court's decision
to order foreclosure was correct, the district court improperly ordered
their farm sold without a right of redemption.      See S.D. Codified Laws
§§ 21-52-1 to 21-52-32 (Michie 1987).      Although the Seventh and Ninth
Circuits have reached different conclusions about the application of state
redemption statutes to an FmHA foreclosure, see United States v. Einum, 992
F.2d 761, 761-63 (7th Cir. 1993); United States v. Ellis, 714 F.2d 953,
955-57 (9th Cir. 1983), the issue is not before us because the Birchems
waived any redemption rights they may have had under South Dakota law.
Even though state law prohibits the use of redemption waiver




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clauses, see S.D. Codified Laws § 44-1-8 (Michie 1983), Congress has
authorized the Secretary of Agriculture to establish the terms of the
FmHA's loan instruments.    See 7 U.S.C. § 1989.   Along these lines, we have
recognized that Congress's authorization permits a federal agency to
include a waiver of state redemption rights in a borrower's mortgage.     See
United States v. Great Plains Gasification Assocs., 813 F.2d 193, 196 (8th
Cir. 1987).    But see Ellis, 714 F.2d at 957.   The Birchems are bound by the
provision in their real estate mortgage that waives the benefits from any
state laws "allowing any right of redemption or possession following any
foreclosure sale."


     The Birchems' remaining challenges to the district court's summary
judgment order do not warrant an extended discussion.            Although the
Birchems contend the grant of summary judgment was inappropriate because
there had been no meaningful opportunity for discovery, the Birchems
neither asked for a delayed ruling on the motion nor filed an affidavit
under Rule 56(f) of the Federal Rules of Civil Procedure.        See Allen v.
Bridgestone/Firestone, Inc., 81 F.3d 793, 797 (8th Cir. 1996).      Thus, the
Birchems "cannot complain that the district court did not provide [them]
an adequate opportunity to conduct discovery."     Cassidy, Inc. v. Hantz, 717
F.2d 1233, 1235 (8th Cir. 1983).    We also reject the Birchems' contention
that the FmHA's supporting affidavits did not comply with Rule 56(e).     The
affidavit by the FmHA's county supervisor was based on the information
contained in the FmHA's business records and the Assistant United States
Attorney's affidavit repeated the information contained in the district
court's file.     See Birchem, 883 F. Supp. at 1342.     Anyway, the Birchems
have not pointed out any factual disputes that would preclude summary
judgment.     Adams v. Erwin Weller Co., 87 F.3d 269, 271 (8th Cir. 1996).


     Having rejected the Birchems' contentions, we affirm the judgment of
the district court.




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A true copy.


     Attest:


           CLERK, U.S. COURT OF APPEALS, EIGHTH CIRCUIT.




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