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4. On or about April 29, 1992, os security lor payment 01 the
oloresald Nole, Delendants mode, exeouted and delivered to PlolntlU a Mortgage
In the original prlnolpal amount 01 $86,000,00, sold Mortgage helng reoorded In the
OrtlC19 01 the !'lecordlllr 01 Deeds In and lor Cumberland County, Pennsylvania on
April 29, 1992, In Mortgage Oook Volume 1063, Page 624 ('Mortgage"). A true and
correct copy 01 sold Mortgage containing (,] descllpllon or the premises sublectto
sold Mortgage Is marked Exhibit '0', allached hereto and mode 0 port hereol,
5, Detendonts ore the record and real owners 01 the oloresald
mortgaged premises.
6. Delendants ore In derault under tho terms 01 the aloresald Note
and Mortgage lor, Inter 0110, their lollure to pay the monthlY Installments or principal
and Interest on sold Note when due.
7. Demond lor payment has been mode upon the Delendants, but
Delendants hove lolled or rfi)Iused to pay.
8. On or about June 12, 1996, Delendants were each moiled 0
Notice 01 Homeowners' Emergency Mortgage A6Slstance Act 01 1983, In compliance
with the Homeowners' Emergency Mortgage Assistance Act, Act 91 01 1983. True
and correct caples 01 $ald Notices ore marked Exhibit "C', allached hereto and
mode a part hereol.
9. On or about June 12, 1996, Defendants were each moiled 0
Notice 01 Intenllon to Foreclose Mortgage In compliance vllth Act 6011974,41 P,S.
S 101, et.seq. True and correct copies or sold Notices ore marked Exhibit '0',
attached here and mode a port hereol.
2
10, The amount due and owing Plolntllt by De'endants Is os 'ollaws:
TOTAL
$75.877.96
2.901,73
629,26
1.349,23
4,037.91
~.600.OQ
$".296.01
Principal
Intereat to 8116/96
Late Chorges to 6/16/96
Escrow Deficiency to 8/16/96
Attorneys' Fees and Costs (6% 0'
Total Amount Due
Costs and Title Search
with Interest on the principal sum ($76,877.96) tram August 16, 1996, at the rote of
$17,42 per dlom, plus additional lato charges and costs (Including additional
Increases In escrow de'lclency), additional aHorneys' fees and costs and 'or
foreclosure ond sole ollhe Morlgoged Premises.
WHEAEFO~E. Plolnlllf demondsluagment In mortgage foreclosure 'or the
total amount due of $86,296.08, with Interest on the prlnclpol sum ($76,877.96) 'rom
August 16,1996, at the rate 01 $17.42 per diem, plusoddltlonallote charges and costs
(Including oddltlonallncreases In escrow detlcloncy), addltlonol attorneys' 'ees and
costs and lor loreclosure and sole of the Mortgaged Premises,
O'KEEFE. G NEN & BI~SIC. P.C.
DA TED:
~/1#'
BY:
- t er ck, Esquire
PA 1.0. 65650
Attorneys 'or Plalntlll
4076 Market Street, Suite 210
Camp Hili, PA 17011
(717) 976-3379
3
COpy
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CONSTlU)<:TlON
ADJUS'l'ABLE llA'l'(4; NO'rE
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1'1U8 NO'l'l'; CON'I'AINl'Il'ltllVIHIONI'I AI.LOWING "'O/lCIIANUElIIN
MY INn:lm81' IINI'I': ANn MY MONTIII.Y A'A YM":Nl', IFMY IN'fEIlElfT
IIAl'l!: INCIU;AH":I'I, MY MON'I'IILY I'A YMI':N'I'I'I WILl. m: IIIU II Ell, w
MY IN'I'EIU:8'I'IlNn; nIo:CIlIo:AH1';H, MY MON'I'IILY PA VM":N1'S WII.L
liE I.OW";Il,
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'JJ
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flllAlM)
I. n01UlOWlm'8 I'IWMIHB '1'0 I'A Y
In return f"r .1 loun Ihull hllve received, IIJr"IllINelo IlIlY U,/'I,' 05.09.9,00 .(lhIN 1I1ll0llnllN
culled "llrlndllul"l,111IIN Inwrl!Nl,lAJ Ihe'Jrlleroflhe Lender. 'I' 'e J.,ollderlN FAIlMJoms ANn MEHCIfAN'I'H
'I'IWS'I' COMPANY. IllnderNIIIII.!lhllllhe L..mder IllIIY Inuufer IhlN Now, Tho ["',Ider or IInyone who
loke~ IhlN Nole hy IrunHfer 1111'\ who IN enlllle.llAJ recelvoI1IIYIllenla IInder IhlN Now IN elllled Ihe "Nole
lIolder" .
2. INTlllmSl'
Interest will he dllarged Oil thllt I,arl.lf <llIlstulldlnll prlnclplll which IlIIs 1I1l! beell puld. [lIlereil
will be churged belllnnlllll "11 Ihe Illle I receive prlndpulln II((OnJunce wllh the terlllS of Ihe
COIIstructlon Loun Trustee Allreelllentof even dUle herewllh ulld .;ontlnullIll until the full a/1l0ullt of
principal I receive has been /"1101,
The Interest rute churged will chulllle froll1 "' filled Inlel'est lUte to an udflJstuble Interest lUte
on November IJ 1992 ,(the "Conversion Dille"), Frolll the dute of Ihls Note to the
Conversion Dute (Ihe "Constructl'ln Period") I will puy Interest at a filled yearly rute of
7.000 %. Fl<l111 the Converslllll Dute, 1 wlllllllY Interest ut u yearly rate of
(the "Inlllulllltereslllute"), which will dMlIlle 111 flccordllllce with Section" of this Note until illY
loun Is pflld, IlIlerest lUte chulllles may occur belllnnhlll OIL. Novumber 1 ,19 92
find on [hut day of the /1Iollth every____ 12 _I11<1111hs thereafter, E~chdate on which the
Illt'l of Imerest may ch~nl!" will be ((llIed II "Ch~nlle [J 'II l!, "
3. PAYMENl'S
(A) l'lmc Ilnd I'lllce of I'ayments
During the Construction Period, I will p~y accrued Interest on the-!ir.t day of each
month, I wlllnlllke these payments until 1 h~ve puld all of the principal and Intere5t find allY other
charlles, described below, th~[ lmllY owe ullderthls Note. I will pay all sums thflt I owe under this
Note 110 lo.ter than Noy~rnb"r I J 2illL __(lhc"Flnal P~yment Date"),
[ will makl! my monthly payments at any office of FIII'melS & Merchllnts Trust Co. or III ,I
dlfferelll plllce If required by the N'He Holder,
(II) 1I0rrower's l'aymenl!J IIdorl! l11cy Arc Due
I hllve the rlllht [0 muke p,lymellts of prlllclpal at 'Iny tlllll! hcfol'e,lhey arc due, A p,lymelll uf
principal only Is knowllus a "prl!p'lymelll." Whell [ make ullrellilyment, [wllllellthe Note Holder III
wrltlllg th'll 1,1111 doing so, lmay lIlake a full prepayment or" partial J1rep~ymellt wllhout puylnll fillY
penfllty, The Note Holder will use my prepaymellls to reduce the amount o( prlnclp~1 th~t I owe
under this Note, If I make a p,ntl'll prepayment, Ihere will be no dcl~ys In the dUll dates of my
/1Iolllhly pllyml!lllS unless the Note Holder allrees 111 wrltllll! to those delllYs, My partial prcpflymellt
will reduce the 'lI11ount of my monthly pflyments lifter the first Ch'lnlle Date following my partilli
prepayment, H,lwever, 'Iny reduction dlle 10 my pilltllllllrl!llilymellt muy he o((sel by all Interest rate
incrc..sc.
__,___.Il.!.",~. I, Illlx Il'!. N.u"buL:lll,.I",!lflfl 'jly,!!!lll. Jl1~Y,__._..
Il'r'I,,.rw^,I,lr...)
F & M TrUll ,. ARM
Comlructlon ,.. CAP ..W04
(C) '\1II111111111( MIIIIII)' 1'~)'JlIrlll8
My 11I1l1~IIIIIJlllhly P~YIIICIIIK will hc IlIlhc ~1II')UIII.)ILJ,S, $ _,___,_~l~_!.YL_____,,__, Ulhc
IlItlHl!btlUtc IhUl I PilY dlill1j!Cb, llll! ~1II'Jlll1tof lilY 1II0111hly PUYIIICIIU will dlilllKC, III(lCUl!1 hllhl!
IlIlcrCbl r,lll! will rCbU11111 hlj!hcr PilYIIIl!I1IK (UI1Il!KK lilY prcpilYIIlCI1U KIIICl! thl! I~Kl Chill111l! D~tl! o(fscI
thl! hKrC,IbCb III lilY lJIol11hly P'IYIl1CI1IK). DCcrCilbl!b Il1lhc Il1lCrCKI rilll! will rl!llIltIIlIIlWl!r 1)~)'Illl!III1.
Thl! ~1II0UIIIOf IllY IJI'Jlllldy PilYl1ll'l1lb wlll,l!wilYb hl! buffldUI1110 l'l!pilY lilY IO~11111 (1111 111111 Htil/lllally
l!'lIlJI PllYIIll!Illb hy thl! flllill P'IYllll'1I1 dillC, 111 KCllll11! lhc 11I'1II1hly P~Y1l11!1I1 ~11I'"llltlllll!~ch Chill1l!c
DIIll!, lh" NOll! Ilol.lcr will ilbMIIII': lhul thl! N'llc 1111CI'CbllUll! will 1101 ch~l1l!c ~Knll1 prl"r tll thl! nl1~1
pnYII1CI11 '''"1!,
... INTlml~S'I'IlA'n: ANI> MONTIII.Y "A YMI':NT ClIANm:li
(At ChDlIlI1l nOWN
The Inwrelt[lIte! I wlllp"y IJIUY <'111111 lie .mthe lint dny or, ____".JigyelUl>!l.L_, '_____' 11I_2_~,__, ond 'lIl
thot doy every,__,!_th 11I0nth thcreunur. ~:uch duwl1n which illY Inll!rl!lt ruw clIllld chnlllle II cnllwll
"Chunlle nuw."
(8) The Indea
llcllinnlrlll with the IIrNtChunllo Dow, my Inwrest rute will be billcd on un Index. Tho "Index" I. the;
(ChIC. .m. btJI t" lnJ.(otl 1,../",./
l(lll. (I) Weekly uvorUlle ylold on Unl\.l!<l SlaWI Trculllry lecurltlel udjulte!d "IU con.tont muturlty or
on. ______ yeurs, ON mudo uvollubll! hy tho Fwerul HueI'Ve Boord.
O. (Ii) "Contruclln"lre.tllllle!, I'urchu.e or I'revloully O,:cuIlll!d Ilomel, Nutlonul Averollo ror ull
Mufor Typol of Lllnderl " puhll.hcd hy thc Fedcrolllomc Loun Bunk lIllOI'd,
O. (III) ____'u____.______,_____,_______._______
'''mot' tI"," 0,.,. """,. dl,,'''/o, II no bcJ." ch,tIttJ,.nJ 1.,nJft.H,J ''''mJl~'' .1" tld' IJlh"WIU "'ff' "' wfllml, ""'Ull I,.,I,. ""ntH w"'.pp'~'
The mo.t rccclltlndcx IIHurllllvulloble 01 of thc dnto ~I) Iloy. hcforo cuch Cbllllge Dote I. callwthc
"Currelltlndcx."
If the Indox II no 10llHcr uvulluhlc, the Nole! Holdcr will choole n new Index which la bo.ed UpOIl
cOlllpornblo InfoMnutloll. The Nole! Iloldcr will givc 1110 notice of thl. cholcc.
(C) Calculotlon ofChongllB
Bcforc cllch Chonllc Duw, thc Note! Holdcr will clllculow my new InwrcRt rule! by Ilddlnll
2.750 pcrccntullp. Jlo\nlB (.1,,15.9_%) '"tho Currcntlndcll,
(Ch,d, lml IN, IIJ Ind,Cl1" wh"h" "II nlw '""~'''' ro'" IUIII 'Jr WIll n{)' h, fTJUI1J,.I't) rh, lI'dr,.r'''' (If ''''(0.1.26'').)
o (i) Thc 'UI11, lubjcct ulthc Ilrovl.lonR RCt forth III Rection (C) (iii), (C) (Iv), (C) (v),und (e) (vi) will he
my lIew Inll!roRt rotA! untllthe nllllt c11unllc dute!,
lIiil (II) Thc Note! Holder willthon roulld tho rcault of thll Ilddltion to the ncorclt one-eighth of one
percentollc point (0,125%), Thla rounded IlnlllUnt, eubfcclto thc llrovialonl Bct forth In .p.ctlon (C) (IIi), (e)
(Iv), (C) (v), und (e) (vi) will bc illY new Inwrelt rull! ulltllthc nCllt chonllo dote!,
(Ch,d oppropricu, boul hJ '"fllco', wh"h" ,hIt' drt dny morlmum I'm",. on ~hdl1'" ,n rh.. In'",,' ro'. on ,,,eI, Chon,l'
Do"; " no MX II ~h,dtd ,h"l WIll lJ'"d nt4.umum 11m" on chon",,)
o (Hi) Thore IIrc no mllllll11um IllIIlla olluny ch.IIlHel In the \nte!rcat rute! utuny Chonllll Dote!,
lCD(lv)Thc IntoreRt mte Cllllnot hcchunHp.d by morc thnn _LJ)110 ,_____ pcrccntoge polnlB utullY
Chllngc Duw,
l\l!l (v) 'I'he IntcreRt rllte Cllllnnt IncrellRe UJ morc lhlln "._, ,_,J.1.. OOl!u__,,_perccntulle points otony time
durlnH the loun wnn,
~(vi)The InwrcBt rotl! cllllnnld,,<:rclllc to leaa thulI_ ___u___hllil.9____pcrccntolle points IItony IImc
during thc loon wnn,
Thc Noto holder willthcn dCll!rmlnc thc umountofthe monthly pOYlllentthot would bc eumclent to
rcpoy the principal I om cllPectcd toowc utthc Chllnllc DIlte! In full on thc muturlty dllte! RImy new Inwrclt
roto in 8ubatnntllllly e'lUUllluynll!lllH, The rCRult o(thl. culculnlion will bc thc ncw ulllount of my monthly
pllymcnl.
(0) Effective Dote of Chongc.
My ncw interelt rtlt,! will bccome efrcctivo on cllch Chunlle Dule, I will puy the olllount of my new
Illonthly pnYlllcnt hcginnlng .mthc fintl110nthly puymcnt dnte ofwr theChnngc Dute! until tho olllount of
my IllIJnthly puymellt chunllcR IIlInlll,
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loun wero biting mude 10 Ihll 1l'IlI1l1(urllll: (b) IAmolllr rUIIHonubly dotAmnlllllH Ihul LOll<lur'lI lI"curtlY will
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thlllSocurlty Inlltrumont IH Ul'cupluhlo 10 l"'I1,ler,
'1'u tho oxtunt purmll".,1 by IIppllcublu IIIW, I ,un<lur muy l'hurllu U r"lullllllhlll fuu UII II 1'lll1,II11oll to
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bu ublllllltud under thll 1'1 ole ul1d IhlH SOllurity InHlrulllul1lUI1I"ijij I A!IItlur relouHeH ll11rrowur 111 wrillnll.
If Londor lIxorc\ijlll11hll opllOI1 tAl 1'0'1"11''' Imll10dluw puymonllll full, I "'Iltlor Hhulllllvu Bllrruwer
nollcu llf IIccelorullol1, Th" nollcu ijhull provldu II purlod of l1ut 10llij lhun ao dllYH from Iho dulu Iho
nollco III dullvered or mull,.<I wilhln which lI11rrowcr IIlUijt puy ull HumH lIucured by this SoeurilY
Inlltrumunt. If Bonower fullH to PIlY IhllRu IIl1lm prillI' to lhe OXll11'l1t11l11 of IhlH period, IAlndur mllY
Invoke OilY rumotlloH pllMIlII\t,j by lhlH Sl'Clltily Inslrument with<lul fllrthor 111111ce or demllnd on
Borrowur,
WITNESS THE HANP(S) AND SEMiS) OF Tm; UNDlmSIGNED.
Wi/~..
j~a~>
William A. Brllndt
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Patricia A. Brandt /l<J,row"
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l(nltaJ.nn hlll'wlll1 III l'JIll'''' Ih. r.n:UI1I)",f'hli NtH'...,', .naJ lh, p"tonn,n" IJllh, (lw'n.nlJ IIltJ ",t,mlnltlll IltJnuw" h'l'Iln O)nt.lnr4. .n4Ibllh. rrp')Im,nlol III)' 'IJI III ,
.4vllle", wllh Inlffrll thltllJl1, m.dI Iu &nl)wff b~ 1.1:114" punuant ~Ji.,~,ail21 tyflU' IlIltlln "f'uIU" AJ\lan'u"t, I.LJnowlrdou h'fI~ mOf1'*'t, ....nl and (on \II' V III
1....f1drrlhrldlmwln.drW:IH)fdlltlJptl1yllJUUdUllh,l"tUJIlIVl" -."~ --,,- ..n.___ .. .... _ -.--.---..---...........-..-...--..-.S....Q'Ptnnlylv.nll
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SEE ^TTACIIEP LEGi\L PESCRIPTION
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IBLaI. Ind Zip Clol.)
TOCETHER Wllh .11 Ih.Imprn,,,,,.nl. n."", h'''''lIrr ...,I.d on III. Plllptrty, Ind.1I ....m.nlJ, ".hLa. Ippllrt.nln,... ..nl~ royllll... mln...l. 011 Ind... nlhl'..~
prolll~ ...,... ..II" nlh... Ind ""mlo,"- .nd.1I nllu... no..",hrrulllrllLachrd 10 Ih. proptrty. III o,..hl,h.lncllldln. ..ptl"mrnLa and addlllonllh",lo, ,h.1I ba dlrm.d I"
he Ind ..mlln . pallo' III. P",P<r1Y 'o....d b)< 1/11. Mortpll<: Ind .11.'111. rO..loln..lolllh....llh IlId pn>p.rtylo, Ih,'uuhold all" IlIhll Mort.... I' on .I....holdl... h...'n
...f.ond 111 .. 1/11 "Prnptr1y,"
OtJrTQwcr covrnlnlJ Ihll &nowrr la la...fullv a.,la.td f)( Ihl nUlr h",bV conyr)'fd Ind has Ih, ".ht 10 mot1,.." 'rlnt .nd ..:onvt)/Ihl Pl'opcrty, Ihat Ihr Proprrty, 15
Im,ncumbtrtd, and Ihll Ih, f),)fTI)Wtr Will "',lITlnl and drftn~ "ntl'lll)llht Illlt If) Ihr Ptoptl1)' AILIln,1 .11 c1.lmllnd drmanda.. lubj.c' 10 In~ dfcl"'llIf)n~ uwmrnlb or
mlncUonallt.r.d In I J(htdul, 0' nUplh>l1110 I.:oyrrallt in Inyllllrlmurann p.>licy In,u"n.l.tnd,r'llnlrrr,t In Ihr Proprrt)', Of' luch tllCtpUOnl II Irt 1I11l4 In I Khldul~
prnyldrd by bl)Ouwrr', allom,y,
llNff'f)MM COVENANTS. '),;HTQW,t and l.lndrr I.:o'o',n/nllnd '1lT<< U followl:
1. Paymlnl of Prindpal and InltrrjL UOfJown' ahlll prnmplly ply whrn du, Ih, pnl1':lpllof ilnd 1111""11111 Ih, Indrbl,dnr.. ,YhJrnced by Ihl Notl, prtplyrn,nl ilnd lill'
&:hll'" II provldtd In Iht NIII'. and Iht pnn(Ip'1 OJ' and Inltrulqn any F'ulu" M'o'al1cta 'r&:ur,d b)' Ihll MIlr1l1lj1t.
2, fun"" for Tur. and fnlt.lrlnct . Eacrl)wtd II Lend,r'1 Option. Sub/rei w appllcabl, law I)r hi I wrltrn wIlYrr b)' l.lndrr, UorTlJwrr Ihlll pay IIJ Lrnder f)n thl 14) mllnlhl)
Inaljllmlnla I)' pnnf.lpll.nll lnllrrl\,atl p')ilbl, undrr thl Nol', unlJllhr Nol, II plld III full, a 'urn Ih'''ln "funl""" t'ljulllel onr'lw,lfth of Iht )'Il1ly LUll and ultumrnu .....hll.: h
mly .Ium Pfior1ty l)vrr Ihll MIlI1Il.Ilt, and &round ',nu I)n lh, f)ruprrt)', I' .In)', pIUI'll1l'lwrlllh 0' )'r.uly p"mlum InllilllmrntJ 'orhua.nJ InlUl1nU, plul on"lw,lhh Qf )"Jll)
pr,mlllm InIlJllmrnu fQ, Itllll14ll1l1 InaUl'1nu, If "")', .11 .u "lllJn.hl)/ tlllm.IN Inlllllly .and fl1lm IImt Iclllml by IAnller on Iht bUll of lI&a.1mrnlj ,and hlllland rUJ,llI1ahh'
1lllmal" Ihrrto'.
Tht Fundi .hall be hrld In In In6111uIII)n 111, d,pfalll tI, a((lmnll Q' which oUr InfoUtrd I)' lIu.r1l1lrrd b)' a ~'rdrl1l or SI"I .a.,nr.y llncludin. LInder" l.lndtl' II iu,h ~ n
InltHullon). Lrndrr lh.lllpply Iht ~unlJa In pa~ lAid l.hll, uuumlnt.. Inlunn" ptlmlUml Ind 'Olund rtllts (.enll" m.~ OQI chll'1' '0' ~ l1oldin. ,and appIYIl1'lJ'lr ~'und~.
!In.ly.ln.aald accounl, In VI"'VII1. &I1d l.:omplhnlllAtd IIHllmrnU and hill~ unit.. I.l:ndrr paysl}OfTIlWlt IOI'rnl'II1 Iht F\lndl Ind APpllClblt I,w prnnll' IAndrr 10 m>>r lu.;h 01
b~OK 111(;:3 IIJ .5~?4
.h.,... 1""111""'1'1 .IIW l...nJI'llIIw) .alliIn III "",,11"11 '1lhl' 111111' 1.1 1'.11 "III!II"llhl~ MIIII~.~I' III~I '1111'", I,lllh., I'"Llllol,,',,1I h.' 1'.") lIt '.,/1 'I"'" .,111 'InlUllljl II 'lI'ullunll.lIli.jr'lt
'I'plll.hl. ',,,, "11'lltr'~IJI Ii ,nlt-,ul 11,1... "'111. l...n,II' 'h. 'If "'jlll/lll hll"'t 1"'0"....11 411) '1111 1111 ""oI'IlI/liU' "l1lh I~ 1...-,..111111.1111'11111" l"III"'HI. ...,IIIlIl!1 d,.,.,. "'
'111111,1 kL'"ll11ll1IlllJllhr flHhb ,h"lilolllllllll'J,b oI/llJ ,111'd hi' t-'Jjlll'.IlJ IIII' ",,,Pol'" '" ~111l II '011 II ,hl'IIII,1I1I' ~lll H 11I01,11' 111, bJlllh ./11101..,1111.1 H .,hJlIIIlI1.I....,IIIII ~
IUIIII.. "j/lU ..,.IJIf.J 11)' 1/11' MIII1al'.'
It Ih, .m"lml Illlh. f\lIlJ. hrhl h~ I"-"J,,. 11I1Il"11I1I ....'11 Ill, lulul. 1I1l11l1hl~ lIul.lIl1l1 tll. III bUlla I,.).H. plllll hi Ill, ,hI' .1..1" '1IIUIh. "U'UIIUIlI" 111&""'111' 11/tllllllllH
.nJ "I,oll",wnl'" .h.1l .HuII 1111 "111111",1 UljUII,ti 11I11'~ ~'I.J I,nu, uU~I11'IlI", IHlU"llI' 1'1.11111111I. .11" ~'IIll/lJIIIII....II11') 1.11 JII', '1llh .h.n ,h.1I h".1 "lItll""tlllll'lllIll,
.1111., III"tnlllh 1"/1'1" h"~JI'II~" IJI ll,oJll," II' 1~lIl1r'Hlllllll1ll11lhl~ 1Il11.all/mulI 'II f'jllob Illh, .IIlIlt,IlIII' Ih, ~'l"hb h,l.. b~ 1.,/loJ" .11.1111111 h. U,/IlII'IIIIIJ ,,')1"",
UW'UIII.nl., IIl1U'i/h' 11"IIIIIWI' .'hJ llJll'HI"'''11a AI Ih,) 1.II,JII, 1"111111\" .110111 jI'tltll.tl1oJll ~Jl. illIllllllllllra.'UI)' h'IIl'~' 1/1' Ih, .lrl'llllllf)' "111111111''',)" ','"l1lh,"'I, lIull(1'
I' m.III''' h)' 1"",,,,, III ltolltll\U'1 U'llltlIUl~ jN)llu'nlllllrl'lll
1'lkllllll)'m,"lln ft,IIII'.a1l HIIlU ""~'"lol It) Ill.. MI)";III',I, 1I.h',.hIIlINlllfllllhuhllllJ "II"I/1"wrl m) flHhh h,l.. h.IIIIJ" If IIIIIJ" 11rA1l1tUI,h Ilth"'II'II,, I'IIJIIfIl~ I' hili.'
II/ Ih, 1'Illp'I1~' I' olh"""'lh' "IIIJllnl ",I,II.h'l 1611111. lh.ll.PI'h, 111/1.111 Ih.1I Ul'mllh",I~ jllllllll/ Ihl' Mh'llllh, I'lllprll)'IN II. "1'luUlIIlHI 11)' 1,lIoJ". '11) 1'\III",'ul" .llh, III'U'
Ilf "Pjllh.llllll... llf.JiI '''''/Hllllr "'.IIU. ~nUh'~ II) 1111' Mlll1t1".,r
] Applh.lhHl "I 1'.~m't1I.. I!nlru 'l'lllll.hl. I.It I"IHIII... 1/lh"I"'ItI', .1111..11I..1116 "Itl\f~ Il) '11IoJ" 11I1IJ" III. NIlI, '"~ P"lJlIlJl'lu I .n" ~ hrl,llI Ih.1I h, "IJII'oJ b~ 111I~l'l
IInlllll")'II1'llllll.InIHJllh I",,).hl. Illlkllllrl h) '''mult'' IHlIJn 1""~"'llh ~ h..n'lll. Ilu"1I111 It\lIn'U 11,,~.hl"II"lhr Nul'llhrll 111111, '''III\III.lllllhr HIllr, '"~ 1111111 III InltlUl1W1,J
111I/1llp.IIHI '11)' hIli", ~.h-.'h"
. (~I''''; f.I,"..I"IIfIJ~rt lll.JlI") .III.~.,. mrlimWIlI. .lIoJlllhJllh...,.,., IInt'l1ll~ 11111)1.1111011. "lhlhll..hl.'llIlh, l'llllll''') 'l'tflllh m'~ .IIIUI'IIIIIIIII)' IWIt 11m MIIIIII'I"I',
.uJluullllhJ 11')'l1Irnll 11I1ilI'lUlI".,Ilb,II.I1). 1111111' mUllu'II'IIJ~'hh~ UlloJ,t ')111I"'''1111 ~ IIft,ulllL II 11111 jl"l~ III Mldllllallll'" h~ l~lI"''''''' 1l1'~IIII1I")/nrnl, .lulI "u., "lIfo:ll)llo
Ih. I")'" tJll'lftll I""fll"" ,h.IIIJIIJ/IlI'II) '11.01.11 ",I,nol" .IIIIlllll fill' IlIlllljlll,4tJ. IUl";llhlll""1lI'11II, .n"llIlh. n-rllll"'''II~'' ,h,,11 m.h 111)l1lrnl JII'III)' lioJIUllt'III,,11
Ill1lml11J)' hJttlllh 1111111~" '''':'Ipl' nl4rnlll111 f,Olh 1~lm'lJl. '''lrtl)\ut ~1.lllllllml'II)'''luh''lIr AII)'llrll .llllh hu l'I'Jt1I)' 11)'" 1111. MIJ/tlLllI', IJIU\l14,J,lhal'''1II11wn .h.ll /llll h.
1I~IJU'oJ hI Ih~III'lI' .,,)' uld, 111'11 !oIIIIlIIIl" ''''''II~",.h..1I &11111'111 WIIIIII. h, Ih, IlI)fIlrlllllllhr IJbllllA1I11II IIlUlrd '1)' lu~hH.n III' nUIln" .((rlfl.bl. h) l..oJ", IH 1I1lH 1II1i11~14
"1111 I.'unllll ~Ihh II,n by. III Ilr'rnoJ rll'IJlnlllrnllll Illlh IIrll Ill, Ir~.IIJflkrrtilllll' ...hhh IJlltnl, III Illn'lIl Ihr rnll)lul11,nlll' Ill. Ilrll III hHf.lhl/r III Ih. 1'11)llflt~ Il' Ill)' IllIt
Ihll,lll.
". Uau,dlluuu"". l"IIlllwrt Ih.1l ~rrll Ih. Iml'lll~'rlflrllh 1111... U111111" lit hrlutlrl rtI(lt~ IlIIlh. l'llll)flt)' IlllUI'" .tlllIlIl hal b)' nit, haul\la Indu41'tJ ...lllIn lh, 11'111\
"ultn...d (It\!tl1.''', Illd luch IJllm h.Utlb ..1..rnJrt Ill')' I'~IUI' I1nd lIlIUdl.J1llIUllU .l1dllll.udll)fIIl,J,,"I..nJ,r 1I1'~ltljlJh., 1)It)Y1d,d,lh.ll.lndrl th.II,VllllqtJU, IJl.II'H'
IIMunllll .lJeh (I)\'rnll' 'lu.,,&J Ihat .'Munl II' UMlltlr "111111'.1 Il) p'~ Ihr ItJtn' uctJl... b)' Ihl. MllI'll'.r
111. II1.UI1I1(' e.nI., 1)f11~IJln. Ihr IlIlI/'llll' .h.ll hr (111I'1'11 hy I"llfll." 'lIbJIt IIIJ 'l'IJlII~.1 h)' l.Alllln; 11111~ld..., Ih.1 Illlh II'III/l~,.1 11I1.11'1111 ht Ullt.ltoIJIl.bl)' Itllhh.ld. All
p"mlUI11I fllIllUUllllU Ikllll.'l" .h.1l h. p.ld 1/llh. IIl,JlIl" PIII~'ILJ,oJ un"rt pUI""llh 2 hrt.tl"If, I' 1I1)11..1&J Inlu(h tn.nnrt, l1)Il")fl1)wtl m.~jnlfl".I1l'"I, 'ft.-h,,, till', ~1If'(11)'11l Ihl'
lrIlIJrjn(, l.lJflrr
AlIUlIUI1J1(f IHlllelU .noJ 1I111'\ll11.lhfll'l)t Ih.lI hr In limn .(('I,I.hlr h) IIII~fI .nd .h.lIlndu", . 11111~1" 1I111,t~.tlt d.uu In I.~" III IIIIJ in '1)1111 ac(ltl'libl, "I lIndt,
I...ndr, eh.11 h.~t Ih. Illlhllo lIul4 Ih, 1)lllllll't 1n4 lfnr'l'l.lllhl"I'III, Inol I~lltl)""'" eh.lllllllmllll)' 'uml.1I lIllln.I" III 11'1l.W.I,lllll(l" "'I" .lIlft.lpll!)' paid IllWmllJlIl1 Inlhl r...,nl
III lou, Uuntlwt, Ilull.IV. 1)flllllpllllJllr. It) Ihl' 1I11UriHIH ""111 InJ lA'n~" 1.llloJflllll)' nllkr pm'" III 11111 II '1111 m..w 111111111111)' b)' U~)lfll"""
ll'll..II..'nd" IIIJ 1~)Ilm'..rr 1,Ihnwlu ~rr III \\'llllltl,lllHJI~IH'I'jlJ(I',&J..h.lI hr 'llllroJ III 'l'ehllillllHl III l'll.it Ilflh, 1~l)l1tlt)' Iwn.lIrJ, ll'll\ltJ,"lu(h 1,'hllllhJnOl'Yl'lIlr II
"lJnl.,)lIll(.ll~ Ir"'lhl, III" 'h. "'UllI)' III Ihl. Mu,tll"II' I'"llllhtlrh~ IlIlll.lIYti. Illu,h 1t11t)f.IIIHlllt 'rp.n IIIJIlI "'ll1iJml("JI~ IUAII~r ,"l1lhr M'(ul1l)' ijf Ihl. MiJrtl'4r WIIljlJ h,
ltnl'lIlrd. Iht 11I.UIIIlCt 1"'''"1.11 .hlll hr .ppllr4 !lllhr lume M'fuud hy 1111& 1~IJltlllll', 'IIlllh Ih, ""1'1-1, If Ill)', IIII&J 11l1"lI111Wft, IIlh, I'lllll"t)' II .h.IIJlJn,d II) UlJlltJWfI, or II
1~lIfT1)Wrt 1111. hi Iftlllm" hll.lndrr'W\lhl" JIJ &JI)" '111m Ih,Jalr nllliuhmllll'J IJ)' Lf"~rtliJ I"JIlIIWr, IIlallh, IIUU"I1L1 f.m"IIII,,, II, IIl1lr .dlllll 'll,lllIlJlll1C' hrnlnl., IAntHl
II ,ulhom," h) (lJII.d Inti '1'1'1)' Ih. IIlIUIII1l'f I"'!I:'NIIII l..rndu'lllplhlll rllhrl III lUhltllhJl1llf ,rllllt II' Ihr PmJl"t)' Il, h) 1111 lum. Uiulf\!lP)' Ihl. Hlm...t,
Unlt:u IAnJtr 'lloJ UOITo'ft'rr IJlh"....I" 'alIu In w.lIlnlt III~ Itah 'Ilpll'illtlll ul I1I1xrrole II) j1l1l1(lplllh.1I111l1 r.lrll" lit 1l'1I11)lJllr Ult 1111' d.lr IJr thr lnJ)nlhl~ lnll.lhn.nlr.
ttrtntLJ to Inll..,1ItUllllllan" 2 htll'l)lllt dlll1l1' Ihr .ml,tJlllllf ludilnllJlhnrnu_1I un4" I'II.III1Vh Iii htll"lllh. Pt1lrlC'tt)' III(~ullrJ by 1.lIlJU, .1I11&hl. Illlund ~llrrfAIII'
,,,,"OW" Ulln" in .n)' IIl1lJt.lJ(f I)llllelll m"ln IlIolhllht ll/lk-rr"llhf/ttll n:eulllll" '1IlIn"'rn.,ar II.,) Ihr ''lIWfIt)' IJI1IJt "llhr ~.l)t lll.lu'.&lIhlll.hall plullJ 1.l11&J1t ItJlhr Ol'nll)t
UII lum. U(UttJ b)' Ihl. MIlIt,a'llt ImmrJI.ll'I)' 1"11" IIIILJI.'II foAlt In '(lluhlllnll
1J..Jrur,....Uon lnd M.lnlrllll1l1 rJlIJ'IlIII"'Y; l..udJllId&; (llIIdumlnlum.; l'l.nll.d Unlllnwhlpm'nl..I~JtlI)wt't .11111 ~rrlllht I'rop"t)' UlllooJ Itrllt .114 Ifllll not (ommlt
~'ulr Of prnnlllmplllmtnl lit Jtlllllmlhlrlllt Ih, I'JIlpl'tt)' .nti .11.11 (1)111111)' ~'llh llll.' pl1l~hlllll'I)' '11)' I,u, I' Ihl. MllI1,a~r tl IHI.lur.rhllld, If Ihl. Mllltlllll' IIIlII j ullllln.
(Ilndumiluum Ot '111.nnnJ 01111 "r~'rtullmrnt, l\omll....tI ~hlll pt'lflJlln ~Illlf nlmll'lllIt'lllhh~'lhllll IJIl4n lhlt J,dlnlhm Ilt(llnnAlIlJ ot.lJntll)r lIovrlllllllllh. cllllOOmlnlutIIllt
Ill.nnt..! unit "rvrlopmtnl Ihr h)',lhllllti fl'~lJI.IIl)IU Ilf Ih. (IJIld1l11l11l1UI1l Ilt pl.nnrol Ulul Jnrlllllnltnl, 111J (onllilul'll! tilklJl1IrnU, If. Clllldtmlnh.ll11 0' 1l1'1I1"..! unit
4rvrlol'lnl'nl ndrr I' orcull!LJ h~ Ilo-ltrllWr, Inti 'Wl/J.J !llllfllltf "i1h Ihl. ~h1l1t1lllr.lhr (IlWIIIIlIIIIlJ 'j(lfrll1tnll olluch 11"rr .hall ht IncmJ)iltllr4 Inlo Ill..! .h.lI.m.nd Ind
,upfllrmrnt Ih. covrll.nlllln" 1I1l'I'tll1fnh III 11m MOIIII.t!1' .u It lh, .ld.., WI'I1' I !)'11 hnf'o"
7, ,lrlll"Uon oll.cnd.~. Strutil)', If n,"'I)It" 1.11.111 1>f11mnllh. fll~'I'IIIIlI. ,n" o1lUrrm.nh c IJllI.t1 lit" In IJIII MOltllJ61t,lJt It All)' IclJtlll I" pfllCrrJln. il CllIJUn.llct.J which
m.I,nlll)' aUrd Ltndrr'1 Inlru'II In tht 1~'1)l'ft)', mdudlnl&, hllt 11111 IInlllr4 (I), tmlntnl dom.in, Inf.tll~'rncy, cuJ, rn'l)fomtnllJl' IJrnnlltl1lrlll. Of III1)(rrdtnlllln~'uh'lIl. .1~lIkrulll
." Jrcrd,nllhrn lrnJr, at lJ!n4tr'e "pUl/n. lJl)llIJ r\llller II) I")tfult,u. 111')' tn.M .ueh IW'l11i1(tI, JlIhlltu .uch .um. .nd U~t II,dl &Clion II III"(II~IY III pfotrcll.ll1tll'f"
tnl.rrul, Indu"lllrL bul 1I1l1llll111,d 10, "ltbutflrmtnlllr IrJbCllUhlt 'll11tn')". 'Ull1IJIIII uur4 1 fi\ lit Ih, 11J1.llnJtblf\!nru., .ntll'lIhytJfl'ln Iht l'l-tJprt1)' 10 ml~t ttp.tln, If Ltlldrt
I'r~urtroJ mllt1ll1tlt lnalJt1ncr lU a (IJnJlllrH1111 1I1'~IO~ Iht IUll1 a,cuu" h~ Ihll Ml)rt..~t, 1~)n1)wl'r Ihlll pI)' Iht ""ml\llnf 'Olullrd 10m.II1I..ln luch 'n.UI.net III rffrcllj/llil.uch
limit U lht fYl.jlJl"m,nl tor au(h II1IUI1I1(I' Irnlllnaln in lI((mol'l1ft ""lIh '''lIfllWt,'. .nd l..lnd,,'. wnll.n oIlItumrnllJr 'Pllllcjblc I.w U/JITI)....U Ih.1I pi)' tht .moon' of "II
mortJllllt ImUtancr pn:mlunu!o In Iht mlMi't Illll\tolr" UllJl't I'It~IlUllh :2 hrlftlf
An~ .nJllunb JubunrJ h)' 1.1'114r, jllllllUOfnlld Ihia po1l'J.auf1h 7, ,,1111 IIltll,.1 III..lfl)ll, allAlI hr,omt ...Jlllunll Indl'bl,4nfU d 1\o.JITlJ'IIl-" IIcUrtJ by Ihll MtJl1c...r,lJnll.Sl
l\ollTowr, ;J,n..l.tn"rr ~te hi Illlm 11'I1I1IIJ' I'a)'mrnl. &u(h OfIllIIUlllllh.1I1w pl)'allll' lJ\)rllIIlUlll'l! fl1lm 1A'1I4u hI BoltTIIWttrrqUlIlInIlP.)'mrnI1hrrrlll,.lld .haU bur Inl,I1''' Imm
Iht datI 'If Jllhun,ml'nl ill Ihl' ral"I,,)~hlt hlllll 11mI'll} IIIn'IlIl1luIJUnJil11l punflll.lull"rr Iht Nlllr unl,u I,.~mtnl 0'lIllr11'1I11 .ueh ,.t, wuuld hr conlUr)' III lVPUc.blr IIW,IIl
~h(h n'tnl 'lJ(h ;aml1unle \110111 hr.u mll'lut .lllhr hl~ht&1 II'lI"I'I'Inlllllhlt UI14l" olPI'II(~tJll' l~w NOlhlllg,rml,:lInl'.J in UlIl'llr&4t1ph 7.h.1I ~ultr t.lnJrr h) Incur.n)'t.prn"llt
l.lkl! 1111)' ;}(lItlll hrtftln"l'r
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to; fiYJ Till.' 11l1l'rl.'lI' tlllll t:Ullllut Illf dllllllll'lllIlIlIn)' IiII1Nll1l.'hulI~1! Iluhl h)' 11I111'111111111
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12 1II11ll1h.
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nlll' in lIulJlIltllnOully '1IIl1l1ll11I)lllll'nhl. Thlllt'ltlalt Ilflhi.. L'lIkullllllll' will IIlIlhll 1I1'W 1Ilt1ll1lllt IIflll)' 1U1ItHhl.v
1'1I)'1I1L'1I1.
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.
IU!:AI. ES'I'A'l'E
l!~XlIlllIT A
ALL that cerl.llllltruct of npple lInd pClh:h llrdlllrd IlInd 61tullte In the TOWIl6hlp of
Upper MlfOlll, Cumberlnnd County, Penn~ylvnnln, bdng Lot No.2 on Subdlvl610ll
PIlll\ for Wllllnm H. Bnlndt, 6l11d (1hln bclng rccordcd In the oflk'l of the Ilccorder
of Deed6 11\ nnd for CUlllbcrhllld C'llllllY, pcnnsylvunla, In Plnn Book 60, Pllge
143.
BEGINNING lItnl'llllroud ~pll(e 6ctln thc ccntcr line of Lcglslnllvc Route 21071,
at corner of hll1ds now or forlJlerly of 1. Tllllll1l1N DI:rkk: lhcncl: by lhl\ Cl\nler line
of Legl61ulive Route 21071, North 82 degree~, 57 minulc~, 17 seconds West,
265.54 feet 10 nn Iron (1ln; lhence by Slimc, North 14 dcgrecs, 04 minutes, 34
sccond6 Wesl, 415.00 fCI't to liJl existing I'llllrolld spike llll:orner of olher lunds of
now or (ormerly of Wlllhlll1 H. Brumit; lhcnce by stild lunds of 13randl, Norlh 75
degrees, 55 minutes, 17 seconds EUSl, 356.69 feel 10 U concrele monumenl in Hne
of lands now or formerly of J. Thomlls Dcrlck: thcncc by hll1ds llf Dcrlck, South
03 degrees, 15 minutes, 58 scconds Eust, 580,99 fcel to u rullrolld spike In the
center of Leglslullve Route 21071, the plucc of BEGINNING.
CONTAINING 3.6871 llcrcs purslluntto thc uforcsuld subdivision.
BEING THE SAME REAL ESTATE whkh Wlllillm H. Brandl und Sylvlll 1.
Brandt, his wife by dl:ed daled June 26, 1990 and recorded In the ornce of the
Recorder of Deeds In ,lIld for Cumberland COllnly, Pennsylvania In Deed Book
"Q", Volume 34, Puge 415, granlcd nlld cor,ycycd lo "'lilllllm A. Brandt and
Patricia A, Brandt, husbund ,\Ild wife, Morlgagors herein.
SUBJECT to u rlght-of-wuy 25 feet In widlh rescrvcd for the fUlure widening of
Legislative Route 21071.
,"
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copy
TRUST
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
RE: Account #142400105139
$65,000.00 Note dated April 29, 1992
TO: William A. Brandt
Patricia A, Brandt
Rd 1, Box 135 H
Newburg, PA 17240-93131
FROM: Farmerll & Merchants Trust Company
P.O, Box ''1''
160 LIncoln Way East
Chamberllburg, PA 17201
DATE: June 12, 1996
You may be eligible for financial assistance that will prevent foreclosure on your
mortgage If you comply with the provisions of the Homeownerll' Emergenoy Mortgage
Assistance Act of 1963 (the "Act"). You may be eligible for emergency temporary
assistance If your default has been caused by circumstances beyond your control, you
have a reasonable prospect of resuming your mortgage payments and If you meet the
eligibility requirements of the Act as determined by the Pennsylvania Housing Finance
Agency, "Please read all of this Notice, It contains an explanallon of your rights".
Under the Act, you am enlllled to a temporary stay of foreclosure on your mortgage
for thirty (30) days from the date of this Nollce, During that time you must arrange and
attend a "face-to-face" meeting with a representallve of this lender. or with a designated
consumer credit counseling agency, The purpose of this meellng 15 to attempt to work
out a repayment plan, or 10 otherwise settle your delinquency, This meellng must occur
In the next thirty (30) days,
FARMERS & MERCHANTS TRUST COMPANY
P,O, Box 'T", CHAMBERSBURG, PA 17201.0819' FAX 717.264.3415
C/wlI//l<'n;/lIl/ll' 2(j.f.(j//fj Mar/oil' :175.2200 W"}'II",\/Jrlm · 762.2/88
Ploe 4 (conI.)
"Your mortgage Is In sQrlQus default" bflcaus13 you have failed to pay promptly
Installments of principal and Interesl, as required, for 0 period of otlesst sl>(ty (60) daylS.
The Interost per diem Is $17.410.36. The total amount of the dellnqency Is
$4,244,16. Thatsurn Includes the following:
Principal
Interest
Legal Fees
Taxes - 1994 (school)
Toxos - 1995 (county)
Late Charges
TOTAL
$ 334.77
$ 1.780.20
$ 50.00
$ 1,27G,96
$ 276,G6
~ 523&a
$ 4,244.16
,
,
If you have tried and ore unable to resolve this problem at or after your face-to.face
meellng, you have the right to apply for financial asslslance from the Homeowners'
Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Asalstance Appllcallon wllh one of the
designated consumer credit counseling agencies listed above. An application for
assistance may only be obtained from a consumer credit counsallng agency. The
CXlnsumer credit counlSlillng agency will assist you In flIIlng out your application and will
submit your completed appllcallon to the Pennsylvania Housing Financing Agency.
Your application must be flied or postmarf<ed within thirty (30) days of your face-ta-face
meellng,
It Is extremely Important that you flIe your appllcallon promptly. If you do not do so,
or If you do not follow the other limo periods oet forth In this letter, foreclosure may
proceed against your home Immediately.
Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the ellglblllly criteria established by the Act
Ills extremely Importanttl1at your application Is accurate and complete In every
respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a
decision after It receives your application, During that addlllonaltlme. no foreclosure
proceedings will be pursued against you If you have met the lime requirements set forth
above. You will be nollfied dlreclly by that Agency of Its decision on your application.
The Pennsylvania Housing Finance Agency Is located at 2101 North Front Street,
r.o, Box 6029, Harrisburg, PA 17105, Telephone No, (717) 760-3600 or 1-800-342.
2397 (toll free number), Persons with impaired hearing can call 1-800-342-2397.
Page 4 (cont.)
"Your mortgage Is In serious default" because you havll failed to pay promplly
Installments of principal and Interesl, liS required, for a period of at least sl~\y (eO) days.
The Interest per diem Is $17,410.36, The tolal amount of the dellnqency Is
$4,244.16, That sum Includes the following:
Principal
Interest
Legal Fees
Ta~es . 1994 (school)
TII~es . 1996 (county)
Late Charg"Js
TOTAL
$ 334.77
$ 1,780.20
$ 60,00
$ 1,276.118
$ 278.66
S 523.53
$ 4,244.16
If you have trl13d and are unable to resolve this problem at or after your face.to.face
meeUng, you hove the rlghtta apply for financial assistance from the Homeowners'
Emergency Mortgage Asslstanco Fund, In order to do this, you mustllll out, sign and
file a completed Homeowners' Emergency Aseletance Application with one of the
designated coneumer credit counseling agencies lIeted above. An applIcatIon for
assistance may only be obt[Jlned from [J con15umer credit couneellng agency. The
coneumer credit couneellng agency will aselst you In filling out your applIcatIon and will
submit your completed application to the Pennsylvania Housing Financing Agency.
Your application must be flied or postmarked within thirty (30) days of your face-to-face
meeting.
It Ie extremely Important that you file your application promptly. If you do not do so,
or If you do not follow the other time periode eet forth In this letter, foreclosure may
proceed against your home Immediately.
Available funds for l~mergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria eetabllshed by the Act.
It Ie extremely Importanttl1at your application Is accurate and complete In every
respect. The Pennsylvania Housing Finance Agency hae elxty (60) days to make a
declelon after It receives your appllcallon, During that additional lime, no foreclosure
proceedings will be pursued against you If you have met the time requirements set forth
above. You will be notified dlreclly by that Agency of Its decision on your application.
The Pennsylvania Housing Finance Agency Is located at2101 North Front Slreet,
P.O. Box 8029, Harrisburg, PA 17105, Telephonf.l No, (717) 780-3600 or 1-800-342-
2397 (toll free number), Persons with Impaired hearing can call 1-600-342-2397.
Page 2 (collI.)
If you do not cum the default within THIRTY (30) DAYS Ule lender Intends to
oxerclso Its right to o~.IlJ.Ilrotl3 the.mOrtg1l9.1l-DlJ$lIDnlll. subjeclta any additional rfghts
yau may have under the Homeowners' Emergency Martgage Assistance Pragram. This
means that whatever Is awing on the al1glnal amaunt borrawed will be cansldered due
Immediately and you may lose tho chanco to pay alf tho arlglnal martgage In manthly
Installments,
If full payment af the amauntln default Is nat made within THIRTY (30) DAYS,
then, subjeclta any additional rights yau may have under the Hameawner's Emergency
Martgage Assistance Pragram, lOO..L!ill~r.maY.JI~JnstruGl1JJi attameysto start a
lawsuit to fom.c~-Y.mILffiQr1gl19.ll~-'JJ,QJl!lliY~ltb!Wlort9age IILfrJr~ed. your mort-
gaged proD.eLly-YilJLb.eJjQkt~ the SI:l!UJfL\Q.PDY~L1b.llJJllJ11g119~bt
Yau will have the right 113 assert In OilY faraclasure praceedlng the nan-exlstence
af a default ar any ather defense that yau may hove ta accoleratlan ar fareclosure. If
the Lender refers yaur case ta Its attarneys, but yau cum the default befare they begin
legal praceedlngs, yau will stili have ta pay the rf.lasanable attarney's fees, actually
IncurrEld, up ta $50.00, In order to cure the default. Hawever, If legal praceedlngs are
slarted, In order to cure the default yau will have to pay the reasonable Bttarney's fees,
actually Incurred, even If they are over $50,00, and yau may alsa be required to pay the
Lender's reasanable casts, If~u cure the defillJJtwilbJnJlJ.llJbJr1y.<Jay period. you will
not be required .1Q.,wJl1torney's foes.
If yau have nat cured the default within the thlrty-<lay period and fareclosure
praceedlngs have begun, Y.Qu stili have the right ta cure the default and prevent the sale
at any time up to one haur before the Sherjffs fareclasuro sale, You may do so by
paying the tatal amount of averdue paymerll5-DJ~JillY. late ar ather charges then due.
as well as the reasonable attarneys' fees and casts connected with the farecloBure sale.
and perfonnlng any other requirements undf.lr the martgage, It Is estimated that the
eartlest date that such a Sheriffs sale cauld be held would be appraxlmately
December 13, 1996, A notice of the date of the Sheriff's sale will be Gent to yau before
the sale, Of caurse, the amaunt needed to cure the default will Increase the langer you
walt. Yau may find aut at any time exactly what the required payment will be by calling
the Lender otthe fallawlng number: (717) 261-3636, This payment must be In cosh,
cashier's check, certified check ar maney order and must be made payable to the
Lender attha Lender's address stated above.
Yau shauld realize that a Sheriffs sale will end yaur awnershlp of the martgaged
property and yaur right to remain In It, If yau cantlnue ta live In Ihe praperty after the
Sheriffs sale, a lawsuit could be started ta eVict yau
Page 2 (conI.)
Ir you do not cure the default within THIRTY (30) DA Y5lb.!Ll!JDdllIJo1fInds to
~mJ~rJgblt!;uIQ;llJllm1.eJbJ;un,QrI!lD!JllJnIYJ119Dlli. subject tl') any additional rights
you may have under the Homeowners' Emergency MOf1goge Assistance Program, This
means that whetever hi owing on the orlghml Uf110unt borrowed will be considered due
Immediately and you may 105e tho chance to payoff tll0 orlglnall11ortgllge In monthly
Instellmonts,
If full payment of tho omount In defoult Is not modo within THIRTY (30) DAYS,
then, subject to ony oddltlonal rights you may havo under the Homeowner's Emergency
Mortgage Asslstence Program, lJJ!iJ..rmdllLmny_!!Jft9Jnlilru.\l1J1ulliJmeM..fI1ar1Jl
LawIDJJt to for.e.c;].ow..y.QJJf...JJ1,Q l:1gaOll.\LpJ:.o P!irl}',.JUb!1Jll,QJ1gag!LJU.o~ll.\Ly.Q!lrJllilr1:
9 aged prop.etlY-YJlllJ1lilQJdJJyJJJllJ3Jl11rJffJQ.,p.slY.J:lffJbllJDQI1!lllge debt.
You will have the right to assert in ony foreclosure proceeding tho non-exlstence
of a default or any other defense that you moy have to occeleratlon or foreclosure, If
the lender refers your C3se to Its attorneys, but you cure the default before they begin
legal proceedings, you will stili have to pay the reasonable allomey's fees, actually
Incurred, up to $50,00, In order to cure the default. However, If legal proceedings are
started, In order to cure the default you will hove to pay the reasonable attomey's fees,
actually Incurred, even If they are over $50.00, and you may also be required to pay the
Lender's reasonable costs, If-Y.mLQ.Yf~Jll.l1!llillJlt within thltllJ1J:1y~y' period, you will
DmM..rn.mJJred to pay.Jill.orMY.'s fees"
If you have not cured the default within the thlrty~uy period and foreclosure
proceedings have begun, you stllLhtlve the rh;lht to cure the default and prevent the sale
at any lime up to on!UlmJI: before the SheriffJilQreclosure sale. You may do so by
~mount of overdue l2Dyments plus any late or other.J<harges then due.
as well as the..masonable attorneys' f~d costs con~d with the foreclosure sal\3.
and performing any other requirements under the mortgage, It Is esllmated that the
earliest date that sucil a Sheriffs sale could be ileld would be approximately
December 13, 1996, A notice of the date of the Sheriffs sale will be sent to you before
the sale, Of course, tile amount needed to cure tile default will Increase the longer you
walt. You may find out at any time exoctly what the required payment will be by calling
the lender at the following number: (717) 261-3636, This payment must be In cal:lh,
cashier's check, certified check or money order and must be made payable to the
Lender at the Lender's address stated above,
You should realize tilat a Sheriff's sale will end your ownership of the mortgaged
property and YOllr right to remain In It. If YOll contlnUI) to live In the property after the
Sheriffs sale. a lawsuit could be started to evict you,