HomeMy WebLinkAbout96-05930
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MATTLEMAN, GREENBERG, SHMERELSON, WEINROTH & MILLER
SUITE 2226 - LAND TITLE BUILDING
BROAD AND CHESTNUT GTREETS
PHILADELPHIA, PA 19110
215-923-2215
ATTORNEYS FOR PLAINTIFF
BYI MICHAEL R. NESTOR (,J{ J /1 . n
Attorney I.D. Number I 76429 1 j/)- 1.10 C:U.Lv'<--
--_._..._-~----------~_._.._--------_._..-_..__.__.._.-.--------..-...--
GE CAPITAL MORTGAGE SERVICES, INC.
625 MARYVILLE CENTRE DRIVE
ST. LOUIS, MO 63141-S834
Plaintiff
I
I
I
I COURT OF COMMON PLEAS
I CUMBERLAND COUNTY
va.
I
I NUMBER I
I CIVIL ACTION MORTGAGE
FORECLOSURE COMPLAINT
LARRY SOWARD
2755 SPRING ROAD
CARLISLE, PA 17013-
KATHLEEN DUGAN
2755 SPRING ROAD
CARLISLE, PA 17013-
Defendant (a)
_.________________________==___________m________________________.._____.
Said Mortgage was dated 09/19/94 and is recorded in the
Office of the Recorder of Deeds and Mortgages in and for CUMBERLAND
County, Pennsylvania, in Mortgage Book 1242
, Page
273 , and was subsequently assigned as follows:
Mortgage Book 492
, Page 808
A copy of the Mortgage, and Assignmentls) of Mortgage, if any, are
attached hereto and made a part hereof as Exhibit(s) A and B respectively.
2. The mortgage eecures Defendants' Note dated 09/19/94,
in the amount of
$101600.00, payable to Plaintiff in monthly
installments with an interest rate of
0.088800. A copy of
t~e Note is attached hereto and made a part hereof as Exhibit C.
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3. The land subject to the mortgage is known as:
2755 SPRING ROAD, CARLISLE, PA.17013.
A full metes and bounds description ie attached hereto.
4. The following individualls) is/are the real ownerls) of the land
subject to the mortgage and his/her/their address(es) is/are:
LARRY SOWARD
2755 SPRING ROAD
CARLISLE, PA 17013-
KATHLEEN DUGAN
2755 SPRING ROAD
CARLISLE, PA 17013-
PAGE TWO
5. The Mortgage is now in default due to ths failure of the
Defendant(s) to make payments as they became due and owing. The
following amounts ars dus:
Principal Balance
Escrow Deficiency
Interest Calculated to 10/28/96
Accumulated Lats Charge
Attorney Fees
TOTAL
$100636.21
$688.62
$6599.38
$242.48
$5408.33
$113575.02
plus interest from 10/29/96, at
$24.81 per day,
costs of suit and attorney fees.
6. In accordance with ths provisions of the Act of January 30, 1974,
P.L. 13 No.6, Section 403 141 P.S. 403), a Notice of Intention to
Foreclose Mortgage was sent to ths Defendant(s) on by certified mail
on 05/10/96. A Notice of Homeowner's Emergency Mortgage Assistance
was sent to the Defendant(s) by certified mail on 05/10/96.
A copy of the Notices are attached hereto and made a part hereof as
Exhibit D. The Defendantls) has/have not cured the default.
WHEREFORE, Plaintiff requests the Court enter Judgment in Mortgage
Foreclosure for the sale of the mortgaged property in Plaintiff's favor
and against the Defendantls), in the sum of $113575.02, together
with interest from 10/29/96, at $24,81 per day,
costs of suit and attorney fees.
By:
CHAEL R. NESTOR
Attorney I.D. Numbe 429
291/45904
PAGE THREE
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VERIFICl\'rION
SUSAN de BOISDLANC, states that she is the ASSISTANT VICE
PRESIDBNT of GE Capital Mortgage Services, Inc., Plaintiff hereinl
that she is acquainted with the facts set forth in the foregoing
Complaint; that the same are true and correct tc the best of her
knowledge, information and belief I and that this statement is made
subject to the penalties of 10 Pa.C.S, section 4904 relating to the
unsworn falsification to authorities.
~J, 11~;U;/2/Id
SUSAN de BorSBLANC
Assistant vice President
TOUETIIEIl WITII nlllhe 11111"11", .,"1' 111110 IIr he,clllier c.cdclllllllhe 1'.lIl'elly. .,1111 nil c,,,elllelll', "1'1"lIlellllll'<.'. 1111I1
rh,lufcs IIlIW or hClclIltcr n p;ul ur the 1"I1J1clly. All lL'pl:u:CllICllt5 IIml R1hlilhlllS ~hllll also he (oVl'lcd IIY Ihi!ll SCl:uaily
111SllllltlC'1l1. All or lhe rOlesuing i:'\ rdcuclllo IlIlhis Security InsllUIltl'lIt i\5lhc "Pwperty. It
IlOl\l\OWElt COVENANTS Ilmlllllllll",er i, Inwfully ,cimlllf Ihe c,lnle hClchy cllllvryr,llIIlIll"" Ihe r1~hlllllllllllgn~e.
grl1l1t nlllJ CUIlVCY the I'rnpcrly nntllhnt the l'roperly i:'i UIlCIIL'\II11hCICtl, except fur CIH':UllltJlI\IIl.:C!1 ur ICClllt1. HOllower Wllllllllt"
nllll will !JcrclUl generally the title tll the I'wpelly "lt1l1ml nil claim" IIml (1cIl1ltlltl~. !'lIhjcd tUllny CIIl'1I1l1IJl:lIlrc!'i nr ICCI1UI.
TillS SECUIUTY INSTRUMENT t:lIll1hille." unihlllll CUVCII1I1l15 fur IIlIIiollUI u~c null lI11IHIUifullIl (t1VCIUlIlI:i wilh Ihuih.'ll
voriolioll' by Jurisdicllolllo cUllslilule 0 uuifmlll ,ecurily lu,lrullleul cuvcriug Icnll'ltIl'elly.
UNIFOIlM COVENANTS. norrower olld Lemler cuvellOll1 nml ogree liS fllllllw,:
J. 1'lIYlllell1 nf 1'r1I1c1l'ol nnd IlIlne..I; 1'lCl'nYlllell1 nllll Lnle Chl\l~cs, 1I111111WCl' shnll 1'"lIlIl'lly I'ny whell .llIc Ihe
1'r1l1cil'al of 1I11111111erest ulllhe dcbt evi.lelleed hy Ihe Nule 1II111nllY I'lqlllYlllellllllld laic c1l1o~es dlle IIl1del Ihe Nllle.
1. FIIIIII., fur Toxos nnlllllSIlI'IIII1'e, SuhJect hl "1'l'lieahle law nr III 0 wrillcn waiver hy Lellller, 11I.lIlIlIie. shnlll'uy III
Lemler ulllhe dny 1IIIIIIIhly paymellls me due ullder Iloe Nlllc. ulllillhe Nllle i'11I110111I filII. 0 'Ulllt"l'UIIII.,") fllr: (a) yelllly h"c,
Rml n~~C55IHCIl15 which limy ntlnin prlOlily over Ihill Security ImllultlCnlu5 n IiclI 011 the I'lujlclty; (h) YCllIly ll'n!i.chlllllI'I1Ylllclll~
nr gruund rCllts UII the Prorcl1y, ifnllY; (c) yearly hal:ud or 11IIlpClty 11l5unlllce plemiulHs; (tl) Yiolllly (luml il15tHnm:c 11ICmlul1l!l,
If nny; (0) ycnrly Il1IHlgngc IIl~urnllcc prCI1lillll15, if allY; nlld (I) OilY ~U1ll5 pnynhlc hy lJOlIUWCI In Lemler, III m:cnu.JlllH:c wllh
Ihe provisiuIl5 uf palllgrnph 8, ii' lieu uf the pllYlIlcnt uf l1Iullgngc il151111111CC IJfClIlitlll1S. TIlC5C itCIII~ tile cnllell "E!liClUW IICIn5. N
Lender limy, al any lime, cullect ami huld Fuml5 in nil DlIIuunl 11t)1 In C;(ccctl the maximum nlllllllnt l\ lelttlel' rllr n rCllcrnlly
relnted lHurtgl1gc Iu:m limy rcquire rur Ilmrowcr's C5ClUW Itt'cuunt unller Ihc rcllcrlll Hcnl E51atc SclllcllIcnl I'llIcellmc!I Ad IIr
1974 '" olllellded fmllllime III lime. 12 U.S.C. Scclillll 26111 (./ .lrq. ("IIESI'A"). IIl1le.. ollllther IlIw Ihllllll'l,lic, In Ihe 1'1111I1,
!lctl\ R IC5!1cr nlllount. Ir SU, Lcmler 1I1il)', nl nil)' time, cull cd ilIlll huhl FUlUl~ ill nn nll101l11l nol In c.,l.;ccll the Ic!;!\cr nmount.
Lenuer I1my e!\lll11nlc the nllUlUllI or FUIUJs lIue UII the hn::ii~ uf cunellt daln nml rellSlll1uhlc c!>liIl1llIc!; or C'xpcllllltlllC!l ur rtllUlC
l!.,cruw hCIll~ IIr ulhenvi!lc ill nCCUltllll1CC with lll'plic:lhle law.
The Funu!Il !llmll be held in on ill!l(ilutiulI whosc depusit!! me il1!1U1'ctI by II redcnal ngcllc)', IlIslrUllIelltlllil)', nr clllily
(1lIcluding Lellder, if Lellder Is .uch 011 ill,tilulinll) ur ill lIlIY I'edelnlllnme L"'\11 Balik. Lellller .hall oPl'ly Ihe l'ullll, In I'ay Ihe
eSCroW llel11!!. Lender may l1ul c1mrge Uurruwcr fur hulding IlIllI appl)'ing the Fund!!, 1I1111tmll)' U1ml)'zillg IlIe ellcruw lIccnunt, (If
verifying the Escrow lIems, ullle", Lellder PIlYS notruwer Inlelesl nlllhe I'ullds OIld "1'l'lieable law I'el\llils Lellder 1"lIIake ..,ch
n chnrge, Iluwevcr, Lemler may rcquilc Borrower 10 pa)' n ollc.lilllC chmge fur nil ilUlcpemlcl1\ lenl e~lalc la' rcpllllillg tiel'vice
used by Lender In cOllnecllon wilh Ihi, IlIan. onle", ol'l'licable law I'lOvides ulhcrwlse. Unle", nn ogleenlclIl I~ 1I11"le ur
oppllcoble law re'luireslnleresl Iu be Pllld, Lemler slmlllllll be rell"lred III I'ay Illlrrower ony illle,e.1 '" elllllin~s Iln Ihe FUllds.
Dotrower ond Lellder 1110)' ogree ill wriling, hllwever, Ihal Inlelcst .hall be I'aid Iln Ihe Fund" Lemler ,hnll give III UIlIT"wer,
wllhoul chnlge, on ollnual accoonling of Ihe I'ullds. shuwing credils alld dehil, 10 Ihe 1',,11I1. nnd Ihe 1""I"ISe fllr which eoch
debillu Ihe I'ollds wos 1I10de. The Funds ole I'lcdged as addillullal securlly fur nil sums .eculcd by Ihi, Sceulily 11I,lrumelll.
If Ihe Funds held by Lender exceed Ihe omoullls perrnilled 10 be held by npl'licahle law, Lemler shall aCCIlUlIll1l UllltUwCr
for Ihe e,ce," FUllds in occordollce wllh the re'luiremenls uf lIPplieable law. If Ihe nll100nl Ilf Ihe Fond, held hy Lender ninny
IllI1e Is IIIl(sufficlcntlo poy Ihe E.erow Item, whell due. Lellller lI1ay Slllllllify IlUllllwcr In wliling. ond, III ,uch cn,e Illlltowe,
sholl pay III Leuder Ihe omounl lIece"ary 10 lI1ake up Ihe denciellcy. Ilo"uwcr shnll lI1l1ke "l' the denciclley III no IlIlI1e Ihlln
lwelve lI10nlhly pOYll1ent', III Lellller'. sule discreliulI.
Upllll pllYll1ell1 in full uf nil SOIllS sccured by Ihis Scculily Insllulllelll. Lellder shall IIIIllllplly .duml tll Umruwer OilY
FUlld, held by Lender. If, under I'arngllll'h 21, Lellder shnll OC(lllile Ilr sclllhe I'ruperly, I.cllller, I'ri", lu Ihe aC'Iui,lIlon 01' .nle
uf Ihe ('rupeIIY, sholl opply nny I'unds hehl hy Lemler nl lbe lime uf nC'luisllilln ur ,"Ie liS a clcdll ogainsllhe 'UII" .cculcd by
this Secorily InslrUlI1enl.
3, AJ1pllcnllun uf l'oYll1clIl.. Unless nPl'lieohle law p,uI'ide, ulherwl,e. nllpoYll1ellls leceivcd hy Lellder under l',uoglOph.
I ond 2 shnll be applied: n"t, lu Ollj plepaYll1enl cha'ges due ollde, Ihe Nllle; ,ewnd, IlInlllOulIl. I'aynble Illllle, I'lIIng'nl'h 2;
Ihird, lu inlelesl dne; fUUllh. Iu I'rlnciPlll doe; nlllllasl. III nny Inle chll.~e. due olldcr Ihe Nule.
4, Chnl'gl'Sj Llells. Uurruwcr :ihall pny nil I;ue!'i. n5~e!'i!'illlCIH!'t, chargcs. rillCS DmJ impo5iliull5 nllrihllt"hlc III Ihe Pwpcrl)'
whieh II1ny Ollllllll'rlUlily Ilver Ihls Secnlily Insllull1enl, nlllllen.,chold I'nYll1ellls '" glUund ,enl'. If nn)'. Ilu"ower shnlll'oy
the,e ubligallllll' In Ihe II11Ulncr pruvidcd in palllgral'h 2, ur if 11111 paid in Ihllllll:mllel', Illlllllwer ,hnll PilY Ihelll olllillle dilcclly
to the pcr~ul1 owcu (I1l)'Il1CIII. IhulOwer 51mll prolllptl)' furnish 10 Lemler nllllolicc!'t or 11I1111111lts III he pl1hlullt1cr tlli!li lJilIllgllll1h.
Ir Uorrowcr Il1nkc5lhc~c IH1)'l1Icnt!ll uiledly, l1uuowcr !lImit prompt I)' furlli~h III Lemlcr Icccipl:'; cvidl'ndllU Ihc pnYlllcnt~.
Ilotruwe, shnll prll1nl'lly di,chnl ge allY lien which II:" I'liurlly over Ihis Securlly IlIslllllllclIl IlIlless IlIu",wel: (a) lIg.ee. ill
\\Iriling In Ihe paYlIlent ur Ihe ubligollon !'teemed b)' Ihe Iiell III it UWIUlcr lIccl'l'tnhlc lu Lemler; (II, CC1l1le!'il::i in gllou flllth Ihe lien
by, or ueremJs :lgniusl enforcemen( or Ihe lien in, Icgnl I'lm:ceding5 which In Ihe lemler"s opinion Ill1ernle 10 plcvcnl (he
cnrurcclHcnt uf Ihe lien; ur (c) seculc." rrom the holder of Ihe lien 1m l1gfeclIlent !'tali!'irllclmy hi Lcmler ~\IhnHlill:llillg the lien III
Ihl5 Sccurit)' In~trumclll. If Lender dclerlllillc:,; thnl all)' I1nrlllf the PlOpelt)' is !'illhjccl 10 n lien whkh lIla)' 1I11:lin I'ti11llly uver
Ihi5 Securit)' IIl!;trulUcnt, I.ender lUay give IJmlUwrr n lIolke Itlcnlif)'iuA thc lien. IJlltrtJ\\'l'r ~hall !'iatl!'iry the lien or tllkc ulle m
lIIore of Ihe ocliuus sel fnllh ahove wilhiu 10 day' of Ihe giviug Ilf uoliee.
rorm 30J9 9/90
r''1112011
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5, 1I11111nl III' 1'I'IIJ1erly 11I5111'1I11ee. """yer ,hull keep Ihe illlproyelllellls 1I0W .,slillg or hereurler eleeleu 011 Ihe
flropcllY instllcd ognlll!lil Ins! by tile. h;U:llnl~ 11lI.:ltlllcll within Ihe (crill "cJI!.lcllllcu cnvcrogc" 1I1ltJ nllY olher hll/'illtl~. including
nom.Js or numJing, fur which Lender rCtluilco; inS\Hilllcc. This illSlIlallCr. sh:11I he Illailllnincll in Ihe 11IIInUII15 nml fur ,he (lcriml!ll
that Lemler tcquirc~. Tile illsunllu,:c carlier IHuvldlllg Ihe InsunllH:c ~hall he t:ho5cn hy Borruwer suhjCCI In Lemler's nl1prnvnl
which shall nul be unrclIsullubly wilhhchl. If 1J1IfH1WCr [ails In Illllinlllin cnvernge llc~crihcd nhuy!:. Lenuer I1lIlY, ill I.ender's
or1lnll, oblaln cuveruge In prolect Lender's riGht~ I" Ille Pmpcrly in m:cUld:lllcc Wilh pllrugrnl1h 7.
All h15urnllce policies ollU rellewuls shull he n((cplahle 10 Lellder UIIU shull illclude II slu",lard 1II11llguge clallse, Lemler
shllll hnve Ihe righll" hllld Ihe policies uml rellewals. Ir Lellder rel\uires, lIorrower ,hnlll"oll1plly give 10 l.ellller oil receipls or
ptllu prell110lllS OIlU rellewlllllolices. III Ihe evclIl of luss, lion ower shllllgive prolllpl 1I0lice 10 Ihe Insurnllce cnrrler unu Lemler.
Lenuer 1lI11Y llIoke proof of IllSS If lI11t lI1uue pllllllplly hy lIonower,
Uuless Lenuer ollU Dorrower olherwise ogree III wrlling, ill,"rallcc pllleeeds shull he upplied In ""lu",lIon Ill' repuir of Ihe
Properly uanlllgeu, If Ihe reSlllrtlliollllr repuil' is eelll1l11nicully rcasihle IUIII Lellder's sccurlly is 1I01le,"eueu, If Ihe rcstorullolI or
rep.lr Is 1101 eeollllloi(ully rellsihle or Leuder's securily wllllld he lesselled. Ihe IlIsnrllllce I"oceeds .hull he npplied III Ihe .UIIlS
secureu hy Ihls Securhy IlIsllull1elll. whClher or 11I1I Ihell dlle, with allY e",css pniu 10 IInrrower. Ir IInrrower uhumlous Ihe
Prnperly, or does oot .uswer within 30 ullYs II 1I0lice rlOIl1 Lemler Ihallhe ill,ornllce cunier has orrerelllo sellle n clnilll, thell
Lelluer 1I10Y colleel Ihe IIISUrIlO(e pllleeed.. Lemler II1ny me Ihe proeecds 10 repair or reslure Ihe Propelly or 10 pny SOIl1S
secureu hy this Security 1r1511Ul11elll, whelher or 1I01lhell due, The 30.dllY period will begill whelllhe 1I11lice is givell.
Ullless Lelluer ood Donower olherwise ngree io wrilillg, ullY nppliculioo or plOceeds 10 prioclpul shuli 1101 eXleou or
postpone Ihe uue dule llr the lI10nlhly pnYl11ellls refeneu 10 ill partlgrnph< I nllu 2 or chulIge Ihe UIIIIlIIIH or Ihe pUYlllellIS. Jr
uouer pnrngraph 21 Ihe Property Is n(l\uireu hy Lellder, 1I0nllwer's righl 10 noy illsurnllce policies .lId Pllleeeds resuhlllg frol11
dUll1age I" Ihe Property prior lu Ihe aClJuisilioll ,hall po,s I" l.ellder IOlhe cxlelll or Ihe SIlI11S secureu hy Ihls Security IlIslrlll11elll
Il11l11edlolely prior Illlhe ocquishioll,
6, Occllpllncy, I'reservnlloll, ~lolnlCllllnee umll'rolecllonof the l'I'ollHly; lIorrlllYel'" LOlln hppllcullon; I.ensehllhls.
Donower shull occuJ1Y, eslahlish, nou use the Properly ns Donower's priocipal resiuellee wilhin sixly uays nner Ihe execullooor
Ihls Seeurhy loSlrull1ell1 OIlU shull cOlltiuue 10 occupy Ihe Propelly os 1I0nower's prillcipal re.idellce ror nllenst lllle yeor oner
Ihe uule of occupolley, ullless Lelluer olherwise ngrees ill writiog, which consellt shull 001 he umeusouobly wilhheld, or uuless
exteoulllillg clrculllslunces exisl which arc heyolld Donower's coolroL Uonower ,hull 11I11 dcslroy, unl11l1ge or ill1pnlr Ihe
Properly, ullow Ihe Properly to ueterlornle. or eOl11l11il wusle 1lI1 Ihe Properly. Uonower shllll he in ueruult ir OilY forfeiture
nelloo or J1roceeuillg, whelher civil Ill' crill1illUl, is hegoll Ihllt ill Lemler's goou fllilh jodgll1elll could resuh in forreilore or Ihe
Prnperly or lllherwise nlOlerlnlly Il11pnir Ihe lien trellleu hy Ihis Security 11I'\rulllelll or Lemler's seeurity IlIleresl. Uorrower mny
cure su(h n uefllullllllU rcillslnle, us providcd IlIpuf1lgrllph 18. hy (nllsinglhe uClioll or proeeedillg \0 he disl11issed whh 0 ruliog
Ihul, III Leuuer's goou faith uelerl11illnlilln. precludes rurreilore or Ihe Dorrower's IlIleresl III Ihe Pruperly or olher IIInlerilll
hllpnlrl11enl of Ihe lien crellleu hy Ihis Secllrily Inslrlllllelll or Lellder's securily inleresl. Umrower shllll IIlso he In uernnlt If
IIlInower, uuring Ihe Illan npplicalion pmee55, gave mOleriully rlllse or illllccurllle illrorullllion Ill' slulelllellls 10 Lenuer (or full ell
to provide Lemler with III1Y l11aleriullnfonllnlion) in connecllon wilh Ihe IUllu evlueuceu hy Ihe Nole. illcluding, hUI uolllmlteu
10, rcprcsclIlnliolls cOl\cerning llnrrowcr's occupnncy or Ihe Prnpclty ns n principnl rc!;hlcllce. If this Security Inslrulllcnlls 011 n
lenscholu, Unrrower shall comply wilh nil Ihe provisions of Ihe lellse. Ir lIoHnwer o(l\nlre, ree Iii Ie 10 Ihe P"'I,etly. Ihe
leosehnlu anu Ihe fee Iii Ie shollnnlmetge unless Lenuer ugrees llllhe merger In wriling.
7, I'rolectlonllf Lelluer's ltIehl. In the 1'l'Ollerly. If lIormwer rails III perrormlhe covenanls anu ngreemellls cOl,lnlneu In
this Securily Instrumcul, or Ihere Is n legul proceeuing Ihal may significanlly nfrecl Lemler's righls inlhe Propelly (such os a
proceetllllU in bankruptcy. probate. for cC1mlclIlIH1lion or fnrfcitlllc or In cnfmet Inws or rcgulnlions), Ihell Lemler lIIay do Dml
pay for whntever b necessary to prulect Ihe value of lhe Pmllcrty nllll Lemler's rights in Ihe Properly. I.emler's nclinll'i moy
Incluue puying any sums ,e(urell hy a liell which has prilll'ity ovcr Ihis Seeority InslrullIelll, appenriug in coUll, puylug
rensollublc nllorncys' fees RIllI enlering nn lhe Properly to lIlake repairs. Allhnugh I.emler mny luke Ilclion under thiN plll'Ogruph
7 r Lender dnes nul have ~u do so.
Aoy nmoum. dishursed hy Lenuer uuder Ihis parngraph 7 shull hecume ndditiollal dehl "r lI11nuwer secured hy Ihls
Security Inslrument. Unless Dun-ower ltlld Lemler ngrcc 10 ntlll:r lerlns lIf pllYlIlcnl. Ihese nmnunts shull benr hUcrcsl from Ihe
t1l1le of disbursclluml 01 lhe Note rnle RIIlI shall he poynhle, wilh interest. upon notice [IOIU Lemler 10 lJorru\Ycr rC(!lIcsting
paymenl.
ii, Mnl'lgnge IIISm'llllee. Ir Lenuer re'luiretlmorlgage insurallcc us 0 cnnuilillll (lr mnkillglhe loan secured hy Ihis Security
IltslrulHcnl, Uorrower shllll (lI1Y Ihe prclI1iurm; rcquilcd In llIuinlnill the lIlorlgage inslIrnncc III cHeet. H, fur nny IClIson, the
l110rtgage Insurnllec covcrngc rcquire!1 hy Lemler lupscs or eenses 10 he in errecl, Uorrnwer 511:111 pay Ihe premiu1I1s required 111
obtnin cuvernge suhSlnntllllly equivalent tn llle IIIm'gnge illsur,mcc previuusly ill effect, al n ensl 5uh~IiHlll11l1y C{lulvlllellt In the
emll In nurruwcr nf Ihe mortgllge insunlm:c Pleviously ill erreel, frnm 1111 Olltcrrlillc l1\llflgllgC Insurer npprnvcu by LCluler. If
subs(l1ntiully equivulclll I1lmlgnge insurnnce coveruse is !lot lIvlIilnhlc, Ilurrnwer sll:1l1 puy In Lcnder cach lIlunth U 511111 cllunllo
onc-Iwelfth nr Ihe yently IIlnrlgngc il1slIrnncc prellliull1 hcil1g paill hy Bnrr(J\\,cr whelllhc ImaU:Ulce Ct1VClllgC Illp~cd nr tenseu tn
he in erfcct. Lemler will Rcccpl, usc Rml retain these payments Wi "Iuss rc~crvc in lieu of lI10rlgnge insurnnce. Luss restrve
rOlIl1 3030 9/90
'llI.Jalll
paYII;elll. 1110Y lIu longer he lequired, aI uplloll or Lendel, II' l11ullgage in'Ulll11ee co, ,ge (1lIlhe nnn,uolnllll rur Ihe pedllll
1111I1 Lellder requite.) provided hy Oil in,ulel aPl'lOvell hy Lellller agaill hcellllle' nvnilnhle nlllll, ohlnine,l. lion owe' .hall pay
Iha IlfCl1liuIl15 rCtluircd 10 Illililllnln lllurlgngc iIl5U1I1I1CC ill effecl, or lu pmvitlc 11 IU5~ ICRCIVC, u"tIIllle 1CtluilCIIICI11 fur 1IIU1lgngc
IlIsurnllee elld. III accoldnllce wilh nllY wrillen ng'l'elllenl helweenllorrower nlllll.ellllcllll' npplicllhle IlIw.
9, IlIspeelloll. Lender ollis ngenlnmy mllke lell.unahle enltlc, uponlllul in'peclion, or Ihe I''''pelly. Lellllel .hall give
Uurruwcr nllllce nllhe lime of tlr prior In nn il1!lf1CCllol\ ~Jlcciryillg rCllSlIlIlIhlc enllse for the hl11f1cclil1l1.
10. CUndCIIIIII1t1ull. The plUcccds (If !IllY I1wnrd Of duhll fur tllllIlllg.Cl\, tlheel Uf ctlllsequentilll. III l'ullllcctlull willi tlllY
eondenulllllolI 01 ulher loklng ur nny I'arlor Ihe I'll'pellY, Ill' rur cullveyanee III lieu or eOllllellullllioll, me he.ehy u"lgncd allll
shall he pnld lu Lellder.
IlIlhe evelll ur n lulnllaklllg or Ihe I'rupClly, Ihe r",eeeds ,hnll he npplicd lolhe MIIII' ,ceu.cd hy Ihi. Sceutlly Insl.ul11cnl,
whelher ur nOllhen dne, wilh nny exec.. roid lu lion ower. Inllle evcnlor n pallial hiking or Ihe 1''''pclIY III which Ihe rulr
IlIorkel vnloe or Ihe I'rullelly Il11l11ediulely herUle Ihe luklng I. equulloor glealel Ihan Ihe unloUlllor Ihe ."'IlI' .eculed hy Ihl.
Securlly 11I.IIUl11eUllllll11edllllely herlll'e Ihe laklllll, ollie," 1I01l0wer nlllll.ender olhel wi.e IIg.ee III w. illng. Ihe .Ulll. .eco.ed hy
Ihl. Secolily In.llulllenl ,111I11 he mh.ee,1 by Ihe nlllUllll1 or Ihe prueeed. Illultlpllell hy Ihe rollllwlllg rlllelioll: (0) Ihe lolul
nlllounl or Ihe MIIII. .ee\lled hlllllellialely herUle Ihe laking. divided hy (h) Ihe rail Illarkel vuloe ur Ihe 1'.ope'ly Illulledilllely
berore Ihe luklng. Any hlllllnce ,holl be paid 10 IIllnower. h. Ihe evenl llr a pallllll ,"klug or Ihe 1''''pe'IY III which Ihe rlllr
I11nrkel vlllue or Ihe Pmperly hlnnellinlely herore Ihe Inking I. less IluUl Ihe IIll1lllnll or Ihe ,unlS secured innllelliulely herme Ihe
Inking, unle.. DurlUwer nllll Lender olhelwl,e nglee III w.i1ing \IIunle.. nppllcahle law olhelw"e p.ovhle,. Ihe IlIoceell, ,hllll
he npplled 10 the SUIll' seeuled hy Ihl. Seclltlly 11I.llUmelll whelher or nollhe ,nnts nle Ihcnlllle.
II' Ihe Property I. nhnndolled by DUlluwer, ur iI', nner lllllice hy Lellller lu IIllllower Ihllllhe cOllllenl11nr oITe.. Inl11nke nil
owonl or sellle 0 claim 1'01 dlllllllge', Bmrnwer rlllls 10 .espo,"1 10 Lellllel wlthill J() dllY' IIller Ihe dllle Ihe IIlllice I, glvell,
Lelldells alllhorizeu 10 cullecllIlIll nrply Ihe rroceed" III Its oplloll. e1i1ler 10 re.lolIIllIIII UI' lepllllOr IIle 1'IIII'eoly 1I110lhe ""11'
secured hy Ihl. Security hl5l.umelll, whelher tlI IIullhell dlle.
Ullle" Lellder olld Uoltower ulhelwl.e ngree III WIlting, II11Y IIppllclllioll \II' plllceed, 1\1 ptlllciPlI1 .hllll 11\11 exlellll or
poslpolle Ihe due dole or Ihe IIl1l1llhly p"ymenl. leretled 10111 plllllglllph, 11I1Il1 2 tlI chllllge Ihe 11111111.11101' ,"ch p"Ylllelll,.
11, lI11rroll'er Nol nelell.ed; Forhelll'lll.ce lIy Lellller NIII 0 \\'lIh'er, Exlell.I\lII \If Ihe IIl11e r\lr pllYlllellllll' modiliclltlllll
III' amurllznlloll or Ihe ,om. ,eeuled hy Ihi. Securlly 11I,1,0Illelll gllmled hy Lelldello OilY .lIccessllllll IIIle.e'l \If 1I0tlllWel ,hllll
1101 opernle lu Ielen.e Ihe IIl1bilily or Ihe orlgllllll DOllowel tlI UOllower'. '"cce,,,", illlllle.e,1. I.emlel .hllllnlll he reqllired III
COllmlellce plUceedlllg. nglllll.lllllY soece,"IIr III lnleleslor lerll.e lu eAlelllllhlle I'm p"Y.llelll UI' olherwi.e 1II11,liry 11111'11117.11111111
or the SUI11' seculeu by Ihis Securlly 11I5111111lenl hy lenSllll or III1Y delllallll nllllle hy Ihe \I.lgilllll Ullllower \II IImmwel"
.uccessuls \11 IIIleresl, Any rorhearollce hy Lellder III exerel,jllg nllY righl or lell,euy shall 11111 he n wlllver or UI' preelllde Ihe
cxelclse or any righl or rel1ledy.
12, SlIeeessors nlld ^sslglls IIl10lld; .101111 1I1111 Severlll I.Il1hllll)'1 Co-slgllers. The CIIvellllllls III1lI IIglee.llelll, or Ihl.
Secullty III.lrulllelll sholl hlllu allll hellenl Ihe sllccessms 1I11llllSSigllS III' Lellder IIl1d DOlI\lwer, sllhJeel 1\1 Ihe l"ovlslOll' or
parngrllph 17. DOllowel's eovellolll, nnd ngreelllellls sholl be JollIl Olio! ,evellll. AllY BOII\lwer who co-.lgII' Ihl. Secmlty
11I.llulllelll bul doc. 1101 cxeeule Ihe Nole: (n) Is cu-slgnlllg Ihl. Seeurily htsllllll,elll ollly 10 IIHlllgllge, gllllll lII.d cllllvey Ihol
Durrower', IIIlelc.IIII Ihe I'roperlY ulIllellhe letlll. or Ihis Securily 11I.lolllllelll: (h) Is 11111 pelsolllllly ohligllled III pay Ihe 511I11'
seeUled hy Ihls Sceurlly In.lrulllelll; nllu (c) IIgrees Ihlll Lellller and nllY olher BOlluwer IIIOY agree 1\1 exlellll, lII11diry, 1'\11 bear tlI
IIInke III1Y occomlllodnlluII. wllh regorllllllhe letllls or Ihi. Seeu.ily ,".Irulllelllor Ihe Nole wilhllOllhlllBIIII\lWel', eOll.elll.
13, LOIIII eh'ngcs. If Ihe lonll secllled hy Ihis Secllllly III.I.ul1Ielll I. ,"hJecI 100 IlIw which 'el' .III1XhIlOIll hlllll chll.ge"
olld Ihal h.w is nllolly illlerpleled '0 Ihlll Ihe illlcle.1 tlI olher 1111111 chalges eollecled or 10 he collecled ill clllllleclloll with Ihe
10011 exeeelllhe rermllled limits, Ihell: (II) any ,"ch 101111 eholge shllll he redllced hy Ihe 11I11011111 IIece.srllY 1\1 red lice Ihe c1l1l1ge
10 Ihe pellllilled IImil: mill (b) OilY "'lIlS oheady eulleeled 1'111111 Butlower which excecded pellllltled IImil. will he refulldcd 10
Doltower. Lellller moy chou.e 10 IIIlIke Ihi, rerlllld by .edllcing IIle IlIilldplll IIwed ullder Ihe Nllle ur hy IIIl1klng 0 direcl
poymelll 10 DOllower, If 0 rcflllld redllce. prillclral, Ihe rcdllclillll will he Ilealed os a IIIlIlill1 l"cpaYlllelll wilhlllll nllY
plepoymelll cholge ullder Ihe Nole.
14. Nollees. Any 1I111lce 10 DUlll1lver provided 1'01' III Ihls Security In.llulllcIII ,holl he glvell hy dcllvelillg It 01 hy IIl11l1illg
It by nisi doss moll ullless oppllcllble IlIw lequites IIse or nllolher melhml. The 1I01lce .hllll be dllecle,llolhe I"\lpeoly Addless
ur nlly ulher ndule55 DUllOwer de.igllllle, hy nollce III I.ellder. Any IIl1lice III Lellller .hllll he givell hy nos' c111" 1111111 In
I.elldel's lid dress sloled herelll tlI nllY IIlhel odd less Lellder dcsigllole. hy IIulIee 10 BIIII\IIVel. AllY IIl1lice III\lvlded rill III Ihls
Seellllty III.llumenl ,hall he deelllelllllhave heell givell 10 1I11l1l1wer ur Lellllel whell givell II. plllvidcd ill Ihl. plllnglllph.
J5, (Jllverulllg 1,011'1 Severllhlllly. Thi. Secllrll)' hl5l1l1melll .hllll he govellled hy rcdcrlll IlIw IInd Ihe IlIw IIrlhe
Jurl.dlclluII ill which Ihe I'ropeoly Is IlIclllell. III Ihe evenl Ihlll II11Y rlllVi.illll or cllIlI.e III' Ihi. Secllrlly 11I.IIIIII,elll IIr Ihe Nllle
cllllnlel. with "ppllcohle IIIIV, .lIch cllnlllel ,hllll 11111 nrrecl III her plllvhllln. i,l' Ihl, Secmily III"'olllelllIII Ihe Nllle which cnll he
given efrecl wlthullllhe Clllllllcllllg provl.loII. Tolhls ell" Ihe IlIovi.IIIII. ur Ihis Scell.ily III.IIIIII,ellllllld Ihe Nllle 'lie deelmed
10 be sevelllble.
16, IIl1rruwer's Cupy. Bllllower .Imll be glvell 'Hie conrlllllled copy or IIle Nole mill III' Ihl. Secolily III,IIIIIIlelll.
rorm 3039 0/90
rill". al'
17. 'I'nlll.fe,' IIf Ih. l'lopelly 01' n UellencilllllllelesllllUIIITII\\er. If oil ur OilY pmlllr Ihe l''''peIlY ur III1Y IlIlelesl ill It
i~ suld llf lrnnsfclrcd (or ifn bCllcriciill inlclc~1 inlh)lluwcr i~ !hlhl or 111l1H'.fcllclllllul Bmlllwcr i~ 111'1 I1l1alulUI pCl~UI1) wilhout
Lemler'" pdor written CUUGent, Lemler llIay, III iI, UI'1itlll. rcqllilc illllllctli;llc l'il)'lllcllt ill full Ilr 1111 Mllll~ ~cnlfcd It)' Ih\!\
Security ImitlUlllclll. lIuwc"cr, this uPliulIl'ilmlllllll h~ cxcll.:i~cll hy Lemler if c:<clci~c i!\ pltlhihitc,1 hy fCllclUllu\\I us uf the ,Inle
of lhl. See\lllly 11I"r0l\1elll.
If Lemler exercises this opliun. Lemler ~hnll give Unuuwcr IHllkc ul' nCI.'c1ernliulI. The nolke ~hnl1lHlIvillc u pcliml ur lIut
Ie.. Iholl 30 doy. hOln Ihe d"'e Ihe IIl1lice I, delivered IIr 1\1"i1ed wlihill whith III\1",wer 11I11" I"'y III ,,"n. .eel\1ed hy Ihi.
Security 11I511ul11c1II. If DurlOwcr fails (u I'il)' lhc~c ~U1H5 prior In the e:\pirallun (If thi, pcriml. Lcmler limy invoke any ICll'clllc~
permil1cd by Ihis Sccurily Im;tl lIlIlcnl withoul rUllhcr Ilutice ur dCIII:nul un Borruwcr.
18, IIl1rrll\\'er's IlIghl In Itelll.lllle. Ir lIunuwer lIIeel. cellnill ClllllllliulI'. lIullnwer .holl have Ihe IIghl III hllve
ellroreelllenl or Ihi. Secorily 11I"rulllelll dlmll1lll1l1ed 01 ""Y lil1le pllm lu llie emlier ur: (a) 5 day' (ur .ud, ulher pelh"lll'
opplleohle IlIw IIIOY .peclry rur reill,lalelllelll) herure .ale ur Ihe l'IIIpelly I""s"alll lu llllY puwer IIr .ale rlll1lllinell ill Ihl.
Seeurily 11I,'rul1lelll; or (h) elltry ur ojlldglllelll ellrllltillg thi, Seellllly 11I,'nlllll'lIl. TIIl,.e Clllldilllll" Ole Ihalllllllll"el': (ll) PIlY'
L.ellder oil "III" which Ihell wuuld he dlle IIl1der Ihl. Seell,;ly 11I.'lIlIlIelll lllllllhe Nllle '" ir 1111 neeelelllliulI 111111 ucellllell; (h)
cure~ nllY ddnult ur Any nlher Cuvclll11\1!; elr ngrcclllclllli; (e) paY!i nil C:'(lll'II~C!i II1l:ullcd ill cl1rl1ldllg thlli ScclIlily Inslllllllclll,
Includiu(t, but nut limilclltu, ICllSUllilhlc I1lhllllCYS' rCC!i; RIllI (d) Il1kes ~uch l1l:tlul1ll!'\ t.cnHcr I1my IcaslIllllhly lellllhc 10 llSSlHC
thnt the IIcn of this Security Instrument, Lemler's rights In lhe Plol1crly lllUllhJllI)wer'~ nhliJl.lIt1ol1 tlllmy the :"U1lHi fIlCCllled hy
lhl~ Sccurily Inslrllulenl shull cOl1tinuc 1IllChUllgcd. Upun Iclnstlltclllcnl hy UmlOwcf, Ihili !lcl"urily 1!\~lfUlllclIl I1ml Ihe
ublignlion!'; sccured hcreby shlllllcl1lllln rully crrcclive n~ if IIU ul"celcrulion lUll) UCCUllCtl. IInwevcf, lllis Iighl1u Iclll!'iohllc IIihl1l1
1101 ol'Ply illlhe eMe of oeeelelOllollllllder parngloph 17,
19. SlIle IIr Nole; ChllnAe tlf LtllIlI Servlcer. The Nule ur a pollllll illle,e.' in Ihe Nule (Iugelhel' with Ihl. Seellllly
Ill!'iotrU1I1CIlt) mny be :;010 nile or 1Il00e 1111lc:i wilht1ut prior nOlice 10 Ilorrllwcr, ^ !'ionic II1ny I{,!'ion" IlIn c:hnngc III the flltity (klluwn
o. Ihe "LIIOII Servicer") tlml clllleel. Illtllllhly p"YlllenlS due ullder Ihe Nule olllllhi. Seellllly Inslllllllelll. Thele IIlsl1 nmy he tine
or IIIl1'e ehllllges of lhe LllolI Servicer ulllelllled III 0 ,"le Ilr Ihe Nllle, If Ihere i, 0 ehllllge Ilr Ihe I.llan Servicer. \lulluwer will he
givell wrillennlllice or Ihe ehollge ill ocelllll:lIICe wilh I':lIogroph 14 IIhllve 111111 appliellhle I"w, The 1I1lllce will .llIle Ihe IIl1l11e 1I1ll1
oddre,s or Ihe lIew L.tlon Servicer lllllllhe IIddle" In which p"Ylllell" ,hullld he lIIade, The nul Ice will nl.u eUllloin nllY tllher
IlIrornmllonle'1"lred by opplicllhle I"w,
20. IIn7,nrdnus SuhlitnnCc.'\. Ilnrrnwcr :ilmll nut CUlI!'ie (11' perlllitlhe 11Ic!'iocl1ce, Usc. lli~pH:i1111 slUlllge. 01' Idense uf llllY
Ilnz.nrdoull Suh!'iot'll1ces 011 ur in the "wpclly. UUrluwer :ihnll lIul du, Iltlr nllnw IlIlYUlIC el!'ic III tin, 1I11ylhillg nll'ecllng Ihe
Properly Ihnt l!'io in vlolnllon of nny l!IIViltllllll(!nlnl Lnw. The prccc\lillg twn !lenlcncclIi lihnll lIot 1l11111y 10 Ihe r1cl'encc. u~e, IIr
"oroge 011 Ihe I'lIlperly or .111011 '1uonlilie, ur 1I:l1.IInlou, Sub,'allee, Ihal me gellel'lllly recllgllilel ItI he lI1'prol'lIl1le 10 1111\11I01
residenllal use. olld 10 n10illlellallee or Ihe Properly.
\lonllwer .hollprollll'lly give Lellder wrillell nlllke or IIny illve,'igll'iuu. clllilll. dellmllll. I"w,uit tlr tllher lIetltln hr IIny
gOyellnnelllll1 or regulollllY IIgelley nr I'rlVllle I'",ly IlIvnlvlllg Ihe Plnpelly 1I1lllllllY Ihl7lnlhll" Slh.I,".ee In' Enylllllllllelllll I.lIw
or which UUllnwer 1m. oclllol kntlwledge. Jr Ullllnwer lellrn., ur I, IIlllilied hy III1Y ~uverl1lllelllllll1l' legllllllmy 1I111111nlly. tllI.1
OilY relllovol or olher relllediolllln or ony 1I,lIordllus Suh"lIlIce olreeling Ih. PlUpelly" neee,,"I'Y. UlIlIllIver .hllll I'rulllplly IlIke
ollneee..",y relllediol oellon. In oeeordllnee wilh Environlllelll,,1 Lnw.
^. u,ed In Ihl. porogroph 20. "IIOlllllloll' SlIb,',,"ce." nre thll,e ,"b,'allce, denlled '" Inslc ur hll7l1nlnu, .lIhslllnces by
(!nvimll111cuhll LAW A11I.1 thc fullowing suh:ilom:c!'io: gU!'ioolillc, kcru~ellc, tllher 111111111111hlc or Imde I'clrnlculU IlImlnel!'. 10xic
pe'llcldes olld helhlelde.. vol 111 lie ,0Ivelll.. 1I111lerlol. cllI""lning oshe"I1' III rOlll1l111lehyde. 1I11d Illlllllllelive 1I11,'ell1l., ^" u,ed 111
this porogrol'h 20. "Ellyilllllll.elllol Ll1w" "'el1l1' redellll I"w. 1111d IIIW' or the jllri.dlelillll IIhele Ihe 1'lI'pelly i, IlIellled Ihlll
relate 10 heo Ih, .orely or ellvlrolllllellllllproleellllll.
NON.UNIFORM COVEN^NTS. Ilonower olld Lellder hlllher Cllvelll1l1l ollll ogl'ee "' 1I1I1I1w.:
21. heeelel'ntloll; Hellledl.." Lellde,' .hllll AII'e notice 10 110....11111".1'1'1111' IlIlIeeelel'lIt11111 folllllYhlA Uo....olle..'s hl'elll'l.
of nllY CII\'enlllll or ogreelllelll 111 Ihi. Seemlly 11I.lnllllelll (111I1 1101 prllll' III lIeeelCl'IIt11111 \llIde.. 11III'1I111'II\1h 17 1I11Ie.<."
I1I.pllenhle IIIIY \llo\'hl.. olherlll.e), 1.1'11I1er shlll1 IIl1l1fy UO....lIl1er IIf, 1I1111111A IIlhe.. 1I.11IA': (1IIIh. .h'flloll; (h) Ihe lIellllll
lel)nlrelllll ellle the dernllll; (c) I\'hell Ihe derllOlll1lo,t he cl1I'ell: 1I11d (II) 1111I1 rllllll..e 111 co... Ihe defllllll,,, .peelned I1Iny
....011111 neeelerntlllll of Ihe '0111' .eeo..ed hy Ihl. Seellrlly 11I.lnllllelll, fllreclll.o..e hy jlllllcllllpl'lll'eeding nlld ,"11' of the
1'''")1e''I)', Lel1ller .hnll fll..lher IlIforlll 1111....111\'1". IIf Ihe ..i~hl III ,rill.lllle IInCl' IIl'nl"l'Illlllll 1I11111he ri~hllll 11.'....1 111 Ihe
furcclmilll'e 11I'ucCCtlll1~ Ihe IUIII.cxlstCIIl"C uf n IIcfnull uS" nllY ullll'l' (h'rl'lI~e ur IlIlITU\\'CI' In ,u':l"l'ICl'Illlun 111111 rnl'l't:ln~lIl'l'. If
Ihe defllllll .1101 ellred n. .peclrled. I.elllle,', nlll. IIpllllll, 11I11Y ..e'lol... hlll1le.llllle 111I)'1111'111111 foUlIr 1111 """' "'I'on'd hl'
Ihl. Secol'lIy 11I.lnllllelll 1\ IIhllol fllrlher .lel1ll1lld nllll 1II11Y fll..eelo.. lhi, Secmlly 1I,,"'ol1lelll hy jlllllcilll III'lIl'eedlll~.
I.ellder .hnll 1m elllllled 111 CIlllecl 1111 e')1e1"e. IlIelllTCl1 III l"l'.olnA Ih. l'el1ledle. pl'lIl'lde,l 111 Ihi. p"""g"ll,h 21,
IlIcludlllg, hol 1101 Ihllllelllll, IIUllrlle)'.' ree" 01111 co,l. IIr Illle ...hlellre IlIlh. e.lelllpCIIlllllell hy "1')1l1l'nhle IIII\'.
22. Helell,e, lIpoll pllYl1lell1 or oil ""'" .erllled h)' Ihb Seellllly 11I"'"l11elll. Ihi, Seellllly 11I.llIlIlIelll 1I11d Ih. ."l1le
COllveyed ,hl1l1lerl1llllOle olld becollle vllid, ^ller .lIeh neCIII.ellc:e. Lellller ,111111 di,chl1lge 1I11l1 ,,,'i,ry Ihi, Seeu,;ly 11I"lIll1Ielll
withnut chnl'gc 10 Umru\Ycr. Borruwer shi1l1l'lIY nllY recmdullon cu~t~.
23, Wolven. Ullllllwer. III Ihe ..,elllpellllilled hy opplic"hle lillY, ""ive, nlld rele",e. "'IY ellllr III dcreel' ill I"oceellillg'
10 cnforce Ihls Security In:;trul11cnt, IIIIlJ hcrchy wnivc:r; th~ hCllclit of nuy pU:!iclIl nr future law~ I'lnvhlillg rur stllY ur c~cculinll.
extellslon uf lillie, exemption hOIl1 nHnc.:hlllclll, Icvy I1ml sl1lc, :IIIlI hUIlIC!ill'tltl e'lClllfllitlll.
24. Itclllstntclllcnt l'crlmJ. Borrowcr'!! lilllc In rcill!ilale fllUvhlctl In 11lI111l:!laph 18 !illnll e~h:1\l1 (0 Hlle hUll!' prior tn the
CUlllll1CIICCll1Cnt of bidding n( n sherllr'!'io ~alc or uthcf !!nlc pursU:lIIltu lhi!! ScclIlily ImlHlllIcllt.
25. ('mchn.e ~Iolley MlIllg"Ae. Ir OilY IIr Ihe Ilchl .eellletl hy Ihl. Seelldly 11I"IIlIlIelll i, lellllll 1I11111l1VCl' IlIlIclllllle lille
10 Ihe Properly. Ihl. Seclllily 11l,lrulllenl ,hall he 0 1'"leho,e II\lIl1ey II\IIr1g"ge.
26. Illlereslltnle hner .Il1llglllelll. Um",wer "gree, Ihallhe IlIlere.II,,'e I'"yuhle olter II jlltlgll\elll i. ellleletl IIl1lhe Nllle
or III nil oclillll ur II\lIIlg"ge rUledll'lIIe ,h,,1I he Ihe 1"le p"l'"hle 1I111111111\e 1IIIIII\e IIllder Ihe Nllle.
form 3039 9190
rllnOl I "Ill
,-
, ' .
J'I' / ,/1 :{ (".:J
1828846
NOTE
CNOT-3:0(
SEPTEMBERT'I';--T9'1.r-------
- i:^M~' - n fU;---------
, -~ENNSVWr.NT^..--
-:!7g'nwl<lflG"1<OI\~i:i\r<LI SLE;- -~'II-I,v';i.r,',,;.;;;;;;,
I, DORRoweR'S PROMise TO PAY
In ,01u'11101 alonn Iholl lIa...o 10'::0111011, I J110111I$0 In pav U S S ~-----" .. a -II 01-linn- nn .-. ___..__._ .IUllS BlllounllS cnlhtd
"principal"), plu.lllloutll, 10 lho ",do' 011110 Lundo" Tho lnmlOlI1._. NORWEST-MOR;.OAGtr;JNC~.---- ____h____
~Jf~di\tl&~g;T~-;;{lH,f?ft,a~rA"Tot 9Fat L-;;~ljf~.~~-;I~;.~;l~.~;;;f;;~~~; this Nolo bV "nl1!ll;r-~~:I;;)~;-;;:;;;;dIO. 11::~~:~I~n:;~
mellls undOf Ihls tlolo Is caUed Iho' flalu Holtlnr."
2, INTEReST
Illlurelll wlll bo c1lluged 011 wIllnil1 rUlneiral un III 1110 lull nmnllnl 01 prlllclpnl hilS boo/l paid. I WIll paV mlmosl nl n yon/IV lole 01
'",
The Intolovr;m 1equllod bV this Socll"" 2 Is Iho 1010 I willlltly holh halors Olltl nllol OilY Iloloull doscllbad III Sachol1 6 fB) 01
11111 Nolo.
3. PAYMENTS
tAl Tlmo and Pine. 01 PDYlnOlll1
I will pny pllnclpal ond InlOlosl bV making pnylllo'll, o~o'Y monlh
I will mako my monlhly pnYlllonlS 01\ IhO'-FTRsrrtny 01 oneil monlh bOgllllllllQ on___..___. NO I'rmER-' . .-- .
~q,,' I will mako 111010 pnvtllfllllll QVO/Y monlh urillll hnvo paid nil 01 lilt" pllnc.ipnl and IlIlclI!sl Rnll ony OYt1~' ch.".'IU.OS de1cllbod
bolow Iflall may owe undollhls Nolo, My monlhly Pilymonlr. will ho npplled 10 llll%sl bololl' prlllclpnl. II, on 'n'_ _. . __.._u
--n~O"ErtI ST ' .__.~O=" h_ , I ~hll OW(l nlllolllll undOllhis tlolo. I will poy Ihoso alllollllls in lull on lIull ~nlo,
whIClf[s" coHca 1110 "mnlufily dlllo,"
I will mako my monlhly paymonls nl~-~NOItWE'9'r- HOr\TGnl1l~ --INC.' ,;'~r>;O.-'~OX'C\l ~.7; DE9 MOl ~1F.9.
--rA-'.,~t'~.,t~y.-------.- _.__~__.n __... _._________ 0/ iI dlltClonl pl;u:u Ii loquuool by Ilnlo Iltlldcr
(9) Amount 01 Monlhlv Pnymonll
My monlhlypaymonl will bo IlIlho n,"ounlol U.S. $ ---................*.*...................808..-;:,8 '
., DORROWER'S mOIlT TO PRePAY
1 hove Iho 11ghllo make plopaYl11onl!'> 01 pllnclpnl nl ;lny limo helar" Ihey ,110 duo. ^ pavmonl ollllinc;pal only is known as a "pre.
paylnonl," V'/hon I make B plDllaymt'nl,1 '0'11111011 Iho Nolo Ilolllor ill wllllnCJ Iholl o'n doing 50
I may nmko o lull plepaymont (It pmUnl prnpnVllllJIIl5 Will1tl1l1 pi\V"'tj any propoymenl ChilfijO. Tho Uolo Holdol will u!'e all l.ll Illy
p,epaymonls 10 foduco Iho nmOllnl 01 prlnclpnllhnll owo undor lIus !Jolo III make 0 pmhol plop,1ymolll, lholO will bu no ch1lll1'J0S In
Ihe due, dalo 01 In Iho amounl 01 Illy 1l10nlhly pnymolll tmlc$! tho Nolo Iloldor ngloos in Willing 10 Iho!lo eh.mglls
5, LOAN CHAROeS
II. law, which applloalo IhlS Loan nnd which sols ma.il1lumlonn cholges, 15 linolly IIl1olproled fiO 1111'11110 Inlorosl Of 01110' loon
chelQes colloCled 01 10 be collocled In connocllon wilh Illls loon Dlcoed lhe pOI muted limllS, Ihon: N ony such lo.1n cholgo 5holl be
leduced by Iho alnounl necona/y 10 ,educe Iho cholgo 10 tho Plll!l1l11od hmll; Rnd iii) any Stlln~ alfondy collecled Irom me which
t.rlceoded pOI milled IImUs Will bo ,elunded 10 mo, Tho Nolo Holdor II1I1Y choolle 10 mako !IllS ,olund bV loducing Iho prlnclpoll OW"
under Ihls Uolo Of by mnklng a d.,ecl pnymenllo mI). II 0 ,olund I('\JUC<,S plinciflill, Iho loduclion Will bo l/onlod 011 n pOllinl P'PflAylnnnl
o. DORROWER'S FAILURE TO PAY AS neOUIReO
(AI Lale Chargo lor Oveldue Povmonts
IIlho Nolo Holdel has nollccei~ed Iho lull nmounl 01 nlly monlhly paynutlll by Iho olld 01_-15-DAV6
calendar days nllollho dalo ills duo, I will pny 111010 cha'go 10 Ilia Uolo Iluldol. Tho AmoU1I1 ollho chnr!]o WIll bo
01 my oVOIduD pavmont 01 p,Incipalolld tlllmonll WIll PRY lIus Inlo chm!]o plOfTlplly but only onco on oach 10110 pny""~nl
"3. (t(ll)
(0. Delcull
III do nof pay Iho lull Arnounl 01 e,1ch monlhly pnymenl on Iho IInlo II h'l \Juo, I WIll bo In dol;tull
(el Nollee 01 Dalaull
III am In dalaull, Iho Nolo Iloldor mity lond mo n WIIIlOI'l110UCO lollinG mo lhill II I do no1 pny llln ovortluu 11IIIounl hy 11 CD'l"ln
dole, Iho t~olQ Iloldor may IOqUl'O me 10 pay Irnmodinloly lltfl lull nmoulll 01 pllnclpal which hn!i nol boon pnlft nnd nil Iho illlOlosl
Ihall owo on 1hnl olnounl, Thai dolo II1llsl bo nllon51 30 days nllor tho dalo on which Iho notice Hi doll~Clod 01 mallpd 10 mo
(0) tlo Walyer BV Nola 'loldar
Even II, 01 0 lima whon I Ml in default, tho tlolo Illllduf \JOO!l nullllllUl/Q mo 10 pay illunodialolv mlull <IS doswhod nbovo, Ill,.
Nole Iloldol will 01111 hovo tho IlghllO do so 11111"' in dolaull 01 n Inlll/IIIM
(EI Paymllnl 01 Nole Holde", Coals nlld Ellponslls
IF THE NOTE HOLDER HI\S r<EDUIRED ME TO pl\Y IMMEDII\TEI.Y IN FULL A5 DESCRIBED
AOOVE. THE tlOTE HULDCR ~IILL HAVE THE r<IGHT TO BE F'AID BACV BY ME FOR ALL
OF ITS COSTS AND EXPENSES HI ENFORCING THIS NOTE TO THE EXTENr rIOT
PROHIBITED E'Y APPL!Cr.BLE LAW, THDSE EXF'ENSES INCLUDE. For< EXAMF'Le,
REASONABLE ..nORNE\'G' FEES'.
7, QIVltlO OF UOTlCES
Union oPlllicnlllo low fCfjUUIIS n f!iIlIllOI1! ,IIFllhod, <lllV nollCO 'hill fIltl51llo I1I~OIl 10 rl'o undolllll' tlolo \'Ijlllm I)".-on by dollvering
11 01 by mallin!] it by IlIst.cln!!!' I11mll!) mo 11\ Iho rlOpOIly AddlO5!l nllol/o 0' 01 <I llillOlUfl1 iltlt!'(lS' .1111'1/011'0 Unlo lIoldnr il nolice 01
my dillollllll odilre!!
^ny 110llco IIli\1 mur,1 hn {JI"'UIl 10 1110 t-lllln Iloillor undo I 1/115 rh)lo \'1111 he \lII/CII by 111illlll1g II lIy l!lsI.clns~ "lilil hlltlFl rll,ll' I hllltcl
nl Iho ndd,oss slnlou In 50.:llon :I(AI ilbo"'f! III III n dllltllC'lll mldro'l'i It I 011" oil/!?n n 11111'..(1 at 111,11 d,lIcl('nt mhlrr..."1
/i.',t l ,g'l'!1 p" fAlJl.tl'H^lE ftllF.O f10rE - Slnqlo rltmllv . rW,,'^lrltlMC UlllrOnM Itl5tnUMEtlT II '1II.'1I"l'1I~'n I
"
. .I:-':O::O(I-r:-:
'0 OOl.lGATlOPl5 OF PEnSOt~S UUOEn TIl19 NOfE
II mot. 1Ili\1I (lI1Q pOlson "lJns IIIIS Nute, 03(h pOISon" lull", .lllt! prl!iOllau1 olJ!.tjBlnlllo ~"('I) nn 011110 (lIt)IlU'O'j 1Il,Illa In lima
~lol., '"r.1udl"tJ Iho promise 10 pay the lull amOUlll owod AnV pm son whl) l~ IIl}Ua'iuIIUI. IUloly 0' I1l1lJor5lJI 01 nus Uol. IS nlst)
OtJh91lhld 10 do Ih,,,, thing' Any pOllon who 1,lkOS (Wftf 1I1l1!i1l otlhgal1lln/l. ulc1udllll] tho uulty.ll,on, t)l... gUi\I,'llllJt. surnt... Of omlOf!i1'1
01 HIlS tlole." 1\150 obhQalod 10 keep ilil olltlll prollli'0511lildfllll !Ill' HolI) Ill. 'Iole Holder mav olllOICO 115 IIUIl!' UllIh!f Ihll Ulllo
IlqaMlIl I.u.h JIllSOn IIltk'j'lduaUy 01 UQillnr.1 all 01 us 10golhOl TIll' III(I<ln, Ih.11 ilnV 0110 clus lIlil" tllllollwrotJ hI pay 01\ ul !lal ill1l0UllIS
u1.ed un,lel Itu, NOle
9. WAiVeRS
I AND I1tIY OTHER FEFSON l'HO HAS OULlGnr IOll5 unDER THI5 NOTE "AIVI' fHE
RIC,HfS or FRESENTMENf AND NonCE OF DISHoNor,. 'PRESEtHMENT' MEANS THE
RIGHT TO REOLJIRE THE NOTE HOLDER TIJ DEMAND FAVf1ENT lit' AI'IOUNTS DUE,
. NO 11 CE 01' 0 ISHDNOr<' ~lEAN5 r HE R 1(,11 T 10 REOU !liE THE NO re' HOL DEll TOG I VE
NOTlr.E TO OTHER F.ERSONS fHAT AMOUNTS DUE HAVE NOT PEEN PAID.
10. UNIFonM SEcuneo NOTE
ThiS "lllv ., It ulllloflll WI,Uumonl ....ilh !inll\ed v,l/I,lhnlll HI '0111" 111l13;..hdI0I1':i iiI 3:Jdlllonlo 1110 1:lotor.hnn, Olvon lnthl) Nolo 11""1",
unde' thl' NntD, il MorluaQo. ODed 01 Tftll1 01 Socurlty Cmul (tho "Socunly lrl!iIIlHllllnl'l. dated tllII II1mo tlillo O. thi, Unto,
ploh,clllha rluh, Hohlor horn poulblo IU5!lU y,hlr.h mlghllOsulllll do lIolllcQP LI10 prOfm~o!l.....tllCh Imako III u,., Uull), lhal SecuII'Y
l"sllumenl dOlellbo. how nnd undOf whnt condlllOn:llmoy bo 'I)Qullcd 10 Illako lrnmedlalo lIoylllenllll lull 01 nil "1I10unl, I 0'110
und.,llns llote. SOnltl ollllas. centillionS al8 doscllbod nalollows
T,anll" 01 Ih, Prop."" 0' a Ban.llclalInl".,tIn Oorrowo" 11011 01 nil.,. pllll olllle PlOpOIly 0' any Ifll'"UIIll il is
sold DI Ilolll!lIOI/nd (01 il A bllnohcial inltlo,lln OOrlOWIH IS sold 01 Ilnl111raJlotJ amI OOHOW!!I i'\ IIOIl'l111'11uIOI pllllonl wilh-
oullel1llOls pliOI Willian consent, londor may. 01 ii' ophon. /OqIIIIO inll"odlalo pl'l)'ln.tnl 1/1 lull 01 nil 111I111 soclllod bV Ihls
Secull1v Inslfumenl Howe~Q'. Ihis opllon IhaU nol b'l o.lllcl.1od by londl" II OlorCISO I' plOhlbltod hI' Indolnll.1w liS ollho
dale olllllS Secullly Insllumenl
II londo, o..erCISfJ' Ihis oplion,lfHldor shall Ol~o OafloWOI nollcD 01 occolo111l10n Tho nolleo sroll pro~ldo a peuod 01
nol less than 30 doVS horn Iha dolo Iho noUclt is deU~o'od or rnailod within which BOlrower musl nay all lums ..cured by
lhis Socullly In.llumenl, II BOllowor hills 10 poy Iholo ,urn, pllol 10 Iho e1pllDllon 01 tI,is poriod, lendol may inyoke onv
remedlllS permilled by Ihls Security InSllumenl wllhoullu/lhor nDllco or domand on BOllowor
WITNESS HIE HANO(S) Arm SEAlIS) QF TIlE UtlDenSIGNEO
-->.., f' /. f ~----,
), ~~'J _ <iLj(;~~~(~ '{~,".,,-IS"'I
. LARftVA SOWARD - .8oll~'
. i .'1' f r'
,.~ ,1"""1"" Ii '.,' - I, ,
. -LLl1l1) }.. AV llc_,df." j.(-1. L- (6"'1
kATHLEEN H DUG(\U ' 00<'0-"
._________..__________ISoal)
.Oo"~"
___ISeall
0011_"
----~ -. -.-..------- ---_._-- -.-----
____ISeal)
OOllO..'
_~_____.____._._ .~____,______ISonl)
OGUG..'
Inion Ollglnal Onlyl
'JI1ll1l':' .-'!':C'; liE
;H'I ',:,' J. ~'. .:c
""I,:,I~C.
. . /....'
.."L_
.e
\.
GE Copltol
.
-~-----~.~._.
GE C.plt., Mar,g.g. SIIV/'''. I"e,
"ulIi/llftlt i.';tllll,IIMlIl'~J.IIJt! Clll/lltl,'/lflll
lOtJtlW,:\"lIlI/' SWlfll. Swill 13m)
"t} Jluf.JJOl.'fI./I.II/\/WI, fX IIlJJI01/!i
I W,l] .un
Alia, WI may au. you perlonally for tho unpatd principal bolance, and all other
.~ due under thl Mortg.gd.
If you hive not curod the default wltht" the thirty day period, and foreclolure
proce,dlnG' hlv, begun, you will Itlll hive tho right to cur. the default .nd
pravent the ..t, at any tlrntt up to one hour before the .herlff', foreclosure
,.1.. You mey do 10 by paving thl totol amount of the unpaid monthly payment.
plul "ny late charge., charg.. then due, .1 woll as the r...onable attornoyl,
,... and COlt. connected with the forecloaur. 'Ile (and perform any other
rrqulrementl under the mortgage). It II eltflnllted that the earllost date that
luch Ihlrlll'l Ille could be held would be opproKlmetelv FIVE HONIH5 FRON IHE
DATE OF IHI5 LETTER.
A notice of the date of the .herlff'1 SIll. wHl be lent to you bofore the IIIla.
Of caur.e, the amount needed to cure the default will Increal. the longor you
walt. You ~y find out at .ny tlma exactly what the required payment will be by
ceiling UI at hi lollowlng nurbe,,1 (800) 544-3466 , Ihll payment ",,"t be In
ca.h, c.shler'l check, certified check, or money ardor and made payable to UI
It the addrell Itated above.
You Ihould r..lIn that a sherfff'a aale wHl end your ownership of the
mortglgtd property .nd your right In It. If you continue to live In tho property
Ifter the .herlff'a IDle, . lawsuit could be Itarted to evict you.
You hive additional rights to help protect your Interelt In the property. You
hive the right to uU the property to obuln money to payoff the mortgage
debt, nr borrow money from another lending Institution to payoff this debt (you
may have the right to nll or transfer tho property subject to the mortgage to ·
buyer or tranlf.r.e who wtll aSlume the mortgage debt, provided that .ll the
outatandlng p.ymentl, charges, attarneyll feel and cOltl ere paid prior to, or
at the I8l. and that other requirements under the Hartgage are satisfied).
Contact UI to determine under what circumstances thll right might exllt. You
have the right to have this def.ult cured by any third party acting on your
hehel!,
If you cure the default, the mortgage will be restored to
I f no dehul t had occurred. However, you are not ent I tled
than three tlmel In I calendar year.
the same position al
to this rtght more
Very Trulv Yours,
14791263
Mark overton, loan Counselor 1 (800) 544-3466
If y'ou .1 /oU'IO-/oC. me~;lng .llh this l.nd.r. or .lth I con.....r cr.dlt
~oun..llng .geney Identified In thlt notlc., no furthor proceeding In martgng.
~Qr-'C;19Iur:,.mov~.uk._p~actt Jal". ~h;lrty (30) dilY~ .f~...__th. duta of thlt meeting.
The name, .delr..., .nd telephone nU'llbfJr of our repro,crnt.t 'Ill cbJ;,., MDt'QIQ' S.,,,leff,/nc.
a.E. Capl tal HOl'tgOg8 Services 11 lUlllllI (II Cr/llf,11 Mflffll.ll/f' ('mjHuoI/,rlll
625 ".ryvll Ie Centre Or IV8 ;t~}1I W,ll' Ill/III SWlfl,- Sr;l{" I'Jt~J
I'll II". .'.'/11/', IIrHI\/""' f'( 1I0)! II)!'.
St. Louis, MO 6]141 1///;/101111
1 (800) 544.3466
Thl name. and .ddrl.... of designated consumer credit count.llng agonell' ar.
shown on the Ittlch~ th..t. It 'I only noe....ry to schedulo on. he,.to.flc.
me.tlng. You thould advl.. this lender Immedlotely of your 'ntontlon..
Your mortgage I, In default becauae you have filled to pay promptly Installments
at principal and Interest, ., required for .t le.st 'I_ty (60) days. The total
amount of t~1 delinquency I, $2,857.27. 'hat sum Includel the following:
permonl. dul 01/01196 Ihrough Ihl flr., of Ihl. monlh Ind '"Ie chlrs,..
Your mortgage II olso In default for the following rlalon:
Mlrllll Problem.,
If you hive tried and Ire unable to rosolvo this problem It or after our
flce-to-tecl meeting, you hlv. the right to apply for ffnDnclal Ilslatance from
the Homeowner.' Emergency Hortgage Assistance Fund. In order to do thl., you
must fill out, Ilgn and ftle a completed Homeowners' Emergency A.llltancl
Application with on. of the de,l,nated conlumer credit counlellng agenclll
listed on the Ittachment. An application f~r al.lltance may only be obtained
from I con.umer credit counlellng agancy. The conlumer credit counlellng agency
will 1.,llt you In filling out your application and will lubmlt your completed
application to the Pennsylvania HaUling Finance Agency. Your application must
be filed or poatmarked, within thirty (30) daya of your face-to-face meeting.
It Is extrlmely Important thlt you file your application promptly.
not do la, or If you do not follow other time perloda sot forth In
toraclaaur. may proceed Igolnlt your home Immediately.
If you do
thl. letter,
Avallabl, fund. tor emergency mortgage as.latancl are very limited. They will
be dls~r..d by the Agency under the eligibility criteria establllhed by the ACT.
It Is extremely Important that your appllcDtlon Is accurate and complete In
every respect. The Pennlylvanl. HaUling FlnDnce Agency hRs sixty (60) daya to
make I dlclalon Ifter It receives your awlfc8tlon. During that additional time,
no foreclosure proceeding. will be pursued agalnlt you If you have met the time
requirement. set forth above. You wltl be nottfted directly by the Agency of It.
declllon on your appllcetion.
The Pennlylvlnla Houstng Finance Agency II located at 2101 North Front Street,
POlt Oft Ice Box 8029, Harrisburg. Pennsylvonla 17105. Telephono No. (717)
780-3800 or 1-800-342-2397 (loll free numbor). P.r.ons .llh Impllrod h.lrlng
Cln cell 1.800.342.2397,
In addition, you may recelvo another notice from thll lendor yndor Act 6 of
1974. That notice I. called a "Notlce of Intention to Foreclose.1I You nult read
both notices, since they both explain rights that you now hove under
Penn.ylvanl. tew. However, If you choose to exercise your right' described In
thl. notice, you cannot foreclosed upon while you are receiving that asslatance.
Sincerely,
14791263
Mark Overton.1 (BOO) 544~3466 . Collection Depart~nt
GE Capital
e.
, '
,
GE Capital
GE en/ila' MlJ,ta.g. S"~lc,,.I"r:.
,111l'JI"/li/C'lllf"IMI)/I.,,III/!I.'UlIWI,,/!Wl
lO11/J Wp\/ ")/'/1,\'011111. Swll! lJrHJ
I'll 1111,( ./)tJ11!i, litH/lInn. IX IIOll fill!,
/1.1 /;l] 4JlI
NOTICE OF INIENIION 10 FORECLOSE
HORIGAGE UNDER SECTION 403 OF PA
ACT NO, 6 OF 1974. (REAO 00111
PAGES 01 THIS NOTICE CAREFULLY.)
DAlE I Hay 10, 1996
KATHLEEN H DUGAN
2755 SPRING RD
CARLISLE, PA 17013
RE: GE LOAN' 0014791263
PROPERlY 2755 SPRING RD CARLISLE, PA 17013
HORTGAGEE, G.E. CAPITAL HORTGAGE SERVICES
The HortgagD held bV the above named Mortgagee (hereinafter we, us, or our,) on
your property noted above I, In .erloul default because you have not mado the
monthly payment. "' noted below under (a), and/or because you have foiled to
comply with or perform the other provlllons of the mortgage Obligation, If any,
I' notld below under Cd). Preylous late chargel under (b) and other charge., If
Iny, under ee) noted below, have alia accrued to this doto. The total amount now
required to cur. this default, or In other wordl, got caught up In your payments
II of the dati of thl. letter, I. noted below under Ce).
eal 030196 thru 050196 a
5925,48/mo plus Iota chg a 540,41
52,857,26
Cb) prevloul late chargeCs):
(c) HSF chack chargaea),
Cd) Other provision. of the mortgage obligation If any:
ee) Totll amount required a. of this date:
580.8J
.00
.00
52,857,21
You may cure this default within THIRTY (30) days of thla l.ttar by paying to ua
the amount under Ce) above, plus any additional monthly payments and late
charge. Cand other charge.) which may fall due during this period. Such payment
mult be either by cash, cashier'S check, certified check, or money order ~de
payable to G.E. Hortglge Services, 625 Haryvllle Centrl, St. loul., HO 63141,
Attention: Cashiering Deportment.
If you do not cure the dlfoult within THIRTY C3D) day~, wo intend to exercise
our right to accelerate the mortgage payments. This means that whatever I. owing
on the original mortgage amount borrowed will be considered due Immediately, and
you may lose the chance to payoff the original mortgage In monthly
Installments. If full payment of the amount of default Is not mode within HIIRTY
(30) day., We a180 Intend to Instruct our attorney. to start 8 lawsuit to
forecloso your mortgage property. If the mortgage I. foreclosed, your mortgage
property will be sold by the Sheriff to payoff the mortgage debt. If we refer
your cale to our attorneys, but you cure the default before they begin legal
proceedlngl egolnst ycu, you will hove to pay tho reasonable attorneyl; fees
8ctuIlly Incurred up to S50.00 However, If legul proceedings are started
against you, you will have to pay the reasonable attorney.s fees even if they
are over S50.00. Any attorney.s fees will be added to whatever you owe us, which
may also Include our reasonable costl. If you cura the default within the
THIRTY(30) day period, you will not bo requIred to pay attorney's fees.
." .e
If you atUneI . faclt-to-faca meeting with thl, lendor, or with II conllPOr cradlt
'counllllng Igency ldantlft,d In thh notice, no furthor proceeding In mortgage
.._Jo.r:.c~o.ur'J~lIy.Jak,"p'ace_ for.th!rty (30) days lifter the data of thl. mooting.
The ".mul ,ddr.", and telephone nunbor of our reprosentlt 1ft' "1fti,., Matlgnu, S.,yJCII, Inc.
G,E. Copt tol Mortgage Serylcos i\ Ij/ll' III (if C""/,IIMIIII!/.IIJ!' I.'wfll!l,HI'IIJ
625 Mary..,llle Centro Drlva IOIllJ\VIHlluIl/1S04l1l1. Sri/II! 'J(m
11011". .'jlll/l',lIlftllf!I", IX /lOll OIl!,
St. Loul.. HO 61141 lllJill.un
1 (8001 544.1466
The name. and .ddr..... of doslgnlted COnll.lllOr credit counlOltng ogcmcl.1 are
.how" on the attlched shoot. It I, onlv neceslory to Ichedule ana foco"to"oc8
,....atlng. You Ihould advise this lender InTI'ledtately of your Intentions.
GE Capilal
Your mortgage Is In default bGcause you have failed to pay promptly Inltallmonts
of principal and Interelt, al required for at laoat sixty (60) dOYI. Tho total
omount 01 tho delinquency II $2,857.27. Thlt .um Includel th. lollowlng.
poyment. due 03/01/96 through th. Ilr.t 01 thl. month Ind l.t. chorge..
Your mortgage I, alao In default for the following rUlon:
Hlrltll Probl....
If you have tried and are unable to relolve thl, problem at or ofter our
far,.~to.fac. meeting, you hove the right to npply for financial alll,tance from
the Homeownerl. Emergency Mortgage Aaal.tance Fund. In order to do thll, you
mult fill out, Ilgn and fila 8 completed Homeowners' Emorge~cy Assistance
Application with one of the designated conauner credl t caunsollng agencies
llst.d on the attachment. An application for alll,tance may only be obtained
from a con.umer credit counseling agency. The consumer credit coun.ellng agency
will ...llt you In filling out your application and will lubm't your completed
application to the Pennsylvania Housing Finance Agency. Your appllcotlon muat
be filed or poltmarked, within thirty (30) dOYI of your face~to~face meeting.
It tl ..tremely Importlnt thot you Itl. your oppllcotlon promptly.
not do '0, or If you do not follow other time period. aet forth In
fareclolure may proceed agalnlt your homo Immediately.
II you do
thll letter,
Available fundi for emergency mortgage aSllatance ara very limited. They will
be dl,burled by the Agency under the eligibility criteria estoblllhed by the ACT.
It Is extremely Important that your application Is accurate and complete In
every respect. The Pennsylvania Hous'ng Finance Agency has sixty (60) days to
make 8 declllon after tt recelvel your application. Ourlng that additional time,
no foreclosure proceedings will be pursued egalnst you If you hove mp.t the time
requlrementl let forth above. You will be notified directly by the Agency of Its
decision on your application.
The PeMaylvanla Housing Finance Ag("ncy is located at 2101 North Front Street,
POlt Office Box 8029, Harrisburg, Pennsylvonla 17105. Telephone No. (717)
780-1800 or 1.800-142-2197 (toll Ir.. numborl, P.rsons with Impolred h.orlng
con cIll 1-800.142-2397.
In addition, you may receive onothor notice from this lender under Act 6 of
1974. Thot notice i. colled 8 "Notice of Intention to foreclose. II You trUst read
both notlcel, since they both explain rights that you now have under
PeMlylvonlB low. However, If you choose to exercise your rights described In
thll notice, you CDnnot foreclosed upon while you ore recolvlng that asalstance.
Sincerely,
14791263
Hark Overton,1 (800) 544.3466 I Collection Deportment
-
GE Capitlll
HUO APPROVED COUNSELIHG AGEHCIES
SERVICE AREA. DELAWARE COUNTY
(PENN SITE OFFICEl
DELAWARE COUNTY H.O.P.E.
PHILADELPHIA COUNCIL FOR COMHUNITY
AOVANCEHENT
511 "USH STREET
CHESlER, PA 19011
(Z15) 872 1500
SERVICE AREA. HARRISDURG
UR8AN LEAGUE OF HElROPOLITAN
HARRISBURG, INC.
Z8 NORTH SECOND STREET
HARRISBURG. PA 17101
(717) 197 518Z
SERVICE AREA: LANCASTER COUNTY
TABOR COHHUNITY SERVICES, INC.
lZ0 SOUTH DUKE STREET
LANCASTER, PA 17602
(717) 197 518Z
SERVICE AREA. LEHIGH VALLEY
CONSUMER CREDIT COUNSELING SERVICE
OF LEHIGH VALlEY, INC.
lOll LINDEN STREET
ALLENTOWN, PA 18102
(Z151 8Z1 4011
SERVICE AREA. LU2ERHE COUNTY
COHHISSION OF ECONOMIC OPPORTUNITY
OF LUZERNE COUNTY
Z11.211 SOUTH HAIN STREET
WILKES'BARRE, PA 18701
(717) 826 0510
PENNSYL VAN I A
GE C,pit., Mottg.g_ S"vie.., Inc.
A limt 01 (if CI/~",,1 MIIII!J,lIje Cur,'III,"IM
}IiIJ/l ~t.\t /1/1'/1 .lUll/it, SII/In tJOfJ
"/1 ffm .flfJJlfJ, /f(J/J\frJII, IX 1/0)/ OJ/f)
/1 J filJ 4J.?l
HOUSING ASSOCIATION AHD
OEVELOPHENT
411 WALNUT S TREEI
P.O. BON 1505
ALLENTOWN, PA 18105
(215) 41Z 6136
HOUSING ASSOCIATIOH OF DELAWARE
VALLEY
HOUSING ASSOCIATION INFORHATION
PROGRAH
1114 CHESTNUT STREET, SUITE 9DO
PHILADELPHIA, PA 19107
(ZI5) 545 6010
SERVICE AREA. READING AND BERKS
COUNTIES
THE BUDGET COUNSELING CENTER
Z47 NORTH 5TH STREET
READING, PA 19601
(215) 175 7866
SERVICE AREA. YORK COUNTY
HOUSING COUNCIL OF YORK
116 NORTH GEORGE STREET
YORK, PA 17401
(717) 854 1541
COUNCIL OF THREE RIVERS AHERICAN
INDIAN CENTER, INC.
ZOO CHARLES STRELT
PITTSBURGH, PA 15Z18
(4121 782 4457
HOUSING ASSOCIATION OF DELAWARE
VALLEY
HOUSING ASSOCIATIOH IHFORMATION
PRDGRAH
658'60 NORTH WATTS ST.
PHILADELPHIA, PA 191Z3
(Z151 978 02Z4
(COUHSELING OFFICEl
~
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MATTLEMAN, GREENBERG, SHMERELSON, WEINROTH & MILLER
SUITE 2226 - LAND TITLE BUILDING
BROAD AND CHESTNUT STREETS
PHILADELPHIA, PA 19110
215-923-2225
ATTORNEYS FOR PLAINTIFF
By. MICHAEL R. NESTOR
Attorney 1.0. Number. 76429
.............-...............-........---............-..--..---..-...-.-
GE CAPITAL MORTGAGE SERVICES, INC.
6~5 HARYVILLE CENTRE DRIVE
ST. LOUIS, MO 63141-5834
Plaintiff
VS.
I
.
I
I COURT OF COMMON PLEAS
. CUMBERI~D COUNTY
.
. NUMBER I 1996-05930
I AFFIDAVIT OF ADDRESSES
.
I
.
I
.
.
.
.
.
.
LARRY SOWARD
1439 SPRING ROAD
CARLISLE, PA 17108-
KATHLEEN DUGAN
221 CAMELOT ARMS BUILDING .2
YORK, PA 17013-
Defendant(s)
..___......__...___.....aa......aaaa===_=am_==___==_______a_________.___
COMMONWEALTH OF PENNSYLVANIA I
ss
COUNTY OF CUMBERLAND:
I, MICHAEL R. NESTOR, Esquire, being duly swnrn according
to law, upon my oath, depose and saYI
1. I certify that the Plaintiff's address iSI
GE CAPITAL MORTGAGE SERVICES, INC.
625 HARYVILLE CENTRE DRIVE
ST. LOUIS, MO 63141-5834.
2. I certify that the Defendant(s) addrees(es) is/are as follows:
LARRY SOWARD
1439 SPRING ROAD
CARLISLE, PA 17108-
KATHLEEN nUOAN
221 CAMELOT ARMS BUILDING '2
YORK, PA 17013-
3. I certify that the foregoing information is true and
correct to the best of my knowledge, information and belief.
Sworn to and Subscribed I
Before me this ~-1'L day I
of 9-~{J v~ ' /90;7 I
~ ~i~I(~~f4~'
GREENBERG, SHMERELSON,
LER
IH!1lA tlENllEllSON
MOleIV I'ulllIC 01 New oMr",
My CommlUioll bpIr.. May 4. 2000
MATTLE
WEINR07
;;
,
,
1~
Our File No. 291/45904
MATTLEMAN, GREENBERG, SHMERELSON, WEINROTH , MILLER
SUITE 2226 - LAND TITLE BUILDING
BROAD AND CHESTNUT STREETS
PHILADELPHIA, PA 19110
215-923-2225
ATTORNEYS FOR PLAINTIFF
By. MICHAEL R. NESTOR
Attorney 1.0. Number, 76429
........................................................................
GE CAPITAL MORTGAGE SERVICES, INC.
625 MARYVILLE CENTRE DRIVE
ST. LOUIS, MO 63141-5834
Plaintiff
,
,
,
, COURT OF COMMON PLEAS
, CUMBERLAND COUNTY
,
,
,
,
,
I
I
I
,
,
I
I
I
VB.
NUMBER' 1996-05930
CERTIFICATION OF
MAILING
LARRY SOWARD
1439 SPRING ROAD
CARLISLE, PA 17108-
KATHLEEN DUGAN
221 CAMELOT ARMS BUILDING .2
YORK, PA 17013-
Defendant(B)
___...__..__...___.._____________......__...a...__..._..--.---..-.......
I, MICHAEL R. NESTOR, Attorney-at-Law, do certify thatl
1. I am a member of the Firm of Mattleman, Greenberg, Shmerelson,
Weinroth , Miller, attorneys for plaintiff in the above entitled
cause of action.
2. I forwarded to the following defendant(s) on the date(s)
listed, by regular mail, a copy of the Notice, Rule 237.11
LARRY SOWARD
KATHLEEN DUGAN
- 12/26/96
- 12/26/96
A copy of the Notice is attached hereto.
3. I csrtify that the foregoing statements made by me are true.
I am aware that if any of the foregoing statements made by me are
wilfully false, I am subject to punishment.
REENBERG, SHMERELSON, WEINROTH &
t ne s for Plaintiff
~..
Datedl 01/06/97
NESTOR, Esqu re
Our File No. 291/45904
JPF~~E OF THE PROTHONOTARY
Court of Common Pleas
Prothonotary
TOI
TOI
Our
LARRY SOWARD
KATIlLBBN DUGAN
File NOI 291/45904
Date of
I
.
/
Noticel
12/26/96
............--...--............--........--..--..---..---.-.....-.-...-. ~
va.
I
I
I COURT OF COMMON PLEAS
I CUMBERLAND COUNTY
I
I NUMBERI 1996-ds930
I
I
I
I
.
GE CAPITAL MORTGAGE SERVICES, INC.
plaintiff
I.
LARRY SOWARD
KATHLEEN DUGAN
Defendant(a)
--..........---.--........--..---..-----..--..........--.......--.--....
NOTICE, RULE 237.1
... IMPORTANT NOTICE ...
You are in default because you have failed to take action required
of you in this case. Unless you act within ten (10) days from the
date of this notice, a judgment may be entered against you without a
hearing and you may lose your property or other important rights. You
should take this notice to a lawyer at once. If you do not have a lawyer
or cannot afford one, go to or telephone the following office to find
out where you can get legal help.
COURT ADMINISTRATOR - CUMBERLAND COUNTY
CARLISLE, PA 17013-
717-240-6200
Notice Pursuant To FaIr Debt CoIltetlo.6 Pnetace. Act
This Is an attempt to coDect. debt ad IIl1ID1i tl
obtained wID be ued lor that .........- orma OD
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MATTLEMAN, GREENBERG, SHMERELSON, WEINROTII & MILLER
SUITE 2226 - LAND TITLE BUILDING
BROAD AND CHESTNUT STREETS
PHILADELPHIA, PA 19110
215-923-2225
ATTORNEYS FOR PLAINTIFF
By: MICHAEL R. NESTOR
Attorney 1.0. Number: 76429
.__.....___..___..__..__.___...a..---.---.---.......n-._.a____.____.....
GE CAPITAL MORTGAGE SERVICES, INC.
625 MARYVILLE CENTRE DRIVE
ST. LOUIS, MO 63141-5834
Plaintiff
I
:
I COURT OF COMMON PLEAS
: CUMBERLAND COUNTY
NUMBER:
CIVIL ACTION MORTGAGE
FORECLOSURE COMPLAINT
vs.
~
LARRY SOWARD
2755 SPRING ROAD
CARLISLE, PA 17013-
KATHLEEN DUGAN
2755 SPRING ROAD
CARLISLE, PA 17013-
Defendant(s)
:
:
:
I
:
:
:
__.___.......__..__..__.uu........--.---..--.---...--..-~--.----_..--..-
1. GE CAPITAL MORTGAGE SERVICES, INC., (hereinafter referred
to as 'plaintiff'), is a MORTGAGE SERVICE CORPORATION conducting
business under the 1awe of the Commonwealth of Penney1vania
and brings this action to foreclose the Mortgage between
LARRY SOl'IARD
KATHLEEN DUGAN
(hereinafter referred to as 'Oefendant(s)'), and itself as mortgagee
by assignment..
TRUE COPY FROM RECORD
In Tntlmony whereof, I here unto set my hand
a~ t . , of Cou~ at Carlisle, Pa
-+ Y o..t 19~
L.~
,
Said Mortgage was dated 09/19/94 and is recorded in the
Office of the Recorder of Deeds and Mortgages in and for CUMBERLAND
County, Pennsylvania, in Mortgage Book 1242
, Page
273 , and was subsequently assigned as follows I
Mortgage Book 492
, Page 600
A copy of the Mortgage, and Assignment(s) of Mortgage, if any, are
attached hereto and made a part hereof as Exhibit(s) A and B respectively.
2. The mortgage seCUres Defendants' Note dated 09/19/94,
in the amount of
$101600.00, payable to Plaintiff in monthly
installments with an interest rate of
0.066600. A copy of
the Note is attached hereto and made a part hereof as Exhibit C.
.
3. The land subject to the mortgage is known ast
. 2755 SPRING ROAD, CARLISLE, PA.17013.
A full metes and bounds description is attached hereto.
4. The following individual(s) is/are the real owner(s) of the land
subjeot to the mortgage and his/her/their addrees(ee) is/arel
LARRY SOWARD
2755 SPRING ROAD
CARLISLE, PA 17013-
KATHLEEN DUGAN
2755 SPRING ROAD
CARLISLE, PA 17013-
PAGE TWO
5. The Mortgage is now in default due to the failure of tho
Defendant(s) to make payments as they became due and owing. The
following amounts are duel
Principal Balance
Escrow Deficiency
Interest Calculated to 10/28/96
Accumulated Lata Charge
Attorney Fees
TOTAL
$100636.21
$688.62
$6599.38
$242.48
$5408.33
$113575.02
plus interest from 10/29/96, at
$24.81 per day,
costs of suit and attorney fees.
6. In accordance with the provisions of the Act of January 30, 1974,
P.L. 13 No.6, Section 403 (41 P.S. 403), a Notice of Intention to
Foreclose Mortgage was sent to the Defendant(s) 011 by certified mail
on 05/10/96. A Notice of Homeowner's Emergency Mortgage Assistance
was sent to the Defendant(s) by certified mail on 05/10/96.
A copy of tho Notices are attached hereto and made a part hereof as
Exhibit D. The Defendant(s) has/have not cured the default.
WHEREFORE, Plaintiff requests the Court enter Judgment in Mortgage
Foreclosure for the sale of the mortgaged property in Plaintiff's favor
and against the Defendant(s), in the sum of $113575.02, together
with interest from 10/29/96, at $24.81 per day,
costs of suit and attorney fees.
SHMERELSON
BYI
CHAEL R. NESTOR
Attorney I.D. Numbe
291/45904
PAGE THREE
lOUIHllElt Willi alt Ihe 11I1I1II1V\. .;III'i IlOW "'- 1l(~Il'alln ('I(','It'\I ulllht' I'ltlllt'lly, ,,11I1 all t'a'a'IIIt'IlI~, 1l1'llllllt'llalltl'~, 111111
n"tuIC!I IIIIW ur Ilclcaflcr n I'llIt C1r Ih~ 1'1II1"'lly, All It'plal"Clllt'III~1 !llld 1Il1tliliom ~;II1111 llbo \It' lOVI'It'l1 b)' thi", !i1'Cudly
1Il!llrUIlIcIII. All uf IlIe fmcp.oillg I~ .dellc,ll" ill thl, Sl'clllily Imlllllllt'I1I11'i IlIr "I'lOlll'lly."
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grnn' nlll! CUIIYCY the Prnpclly 1I11t1lhat Ihe l'IIIJlt'fly I:. III1ClICUlIllll'll'tl, t'.uTpl fill t'I\l:t11l1IH:lllrr'l uf ICtllll!. Iltllltlwcr WlllIlllll!l
I1I1tJ will tldcml gCllclully Ihe lille llllhe I'W!,l'IIY Il.~aillsl all c1ailw. IIml tlCIlIlIlItI~, r.lIhjnlln !lilY (,1l\:lIll1ll1alln'~ of II'UIItI.
TillS SECUIUTY INSTltUMHNT Cll1I11~illl'S I1l1lfollll rOVCIIilIlI-: rur Illllillllal U~;C 11I\(1111111 lIllil"nllll UIV,:lIl1lll!i with Iilllilt',1
vnrlntlult!l by jtlrl~,licliulI tu cumlillltc II UllirlltlU SCl'lIIily iw;IIIIII\(~lIt [m'l'lillg Irilll'llllll'rly.
UNII'OIIM COVENANTS. 1Ill,"wo.r ",,,ll.ellder cllvelllllllllll\l "goe" '''' rlllllllv,",
l. l'II)'llIelll IIf l'rlllell'lIl 1111,1 1IIII,,,..,t; 1''''1'")'111''111 ","1 1.11'" CIIIIII~I". 1111"""'" ,,111111 1"IIIIPlly Pill' will'll ,llIe Ihe
principal nf lllulllllcrc!=t (Jlllhu t1d,l r.yidclU:(~11 hy Ihe Ntlhl ulIIlllIlY 11I('p;rYllleIl11l11tllah~ r1l:lIl',l'" tlllt.! 1I11tkl1hc Nule,
2, lillllll.'I rill' 'I'll'll'." IIl1tIIIlSlll'1l1H'C. SuhJl'd III 111'l'lirulJh~ law 01 10 n writll'll waivl'l II)' l.l'llllt:" 11111111\1,.'1'1 r.llIIlll'uy Itl
Leudcr ullllrc till)' Il1ulllhly paYll1cl1l~ 11le tluc untler the Noll', 1I11lillhc tllllc i~ I'uitlllllllll, II ~lIllll"Ftllllh") Itll: (a) yt'llll)' IIl~c~
nllll n~~c~UIllCIl15 which IIIl1Y nllnllll'rludl.V UYI~' llri,~ SI;[U,ily Iw;IIIIIlIt'1I1 uo; II Ih~1I till t11t~ l'IIII'I'lly: (It) Y"l1r1Y h'lI~I'hnld l'uYlllclIl:'i
or RIUlIlltl,clIt!'l Hlllhc ('wpelly, if nllY; (1') Yt'illly lIa/illtllll pltlJ1l'lly Imllllllll"e pll~l1lilllllo;: (d) }'I'Urly Iluud i11';IIIlIlll"C plCllllulll~,
If ouy; (c) yenrly I1llulUlIl!e iWilllnllcr.III(~lIlilllll';, H lIIIY; ;11111 (I) lIllY Mum Il:lyahlc hv 1I0111lWl'l to L(~lld"I, III nt:cltlllllllt.'U with
the I'rnvl~lull., of p:lInUll1ph R, illlit'u ur Ihc 1'1lYlllellt or 1IIIJIIJ~i1I~t' iU';UllIlll'C 1'It'lllilllll'i. '11\('~r ill'III' 1I1t~ (ullrd "E~(ltI\Y Ilrlml,"
Lemler IIII1Y, nl nllY lillie, cullcd nllll hold PUlul~ ill fill 1111 111111 It IIl1l III t!xnTlllhc 111:1:\111111111 llllllllllll II kllth'l rill" II h~tll'llllly
rflutell U1mtgllAc lunn IIIIlY 'CflllilC for I1lHltlwrl'" C.'iCItlW IKCtlllll1 II111kl lhe It'(h~llll Hcnl E~lllh~ ~rltlrlllt'1I1 l'IIIl'l'lIl1lc~ Ad uf
19701,,, IIlIlel1lled frllllllirlle III lillie, 12 U.S.!:. Sed;lIll 2(,01 "1.11''', ("JtESI'A"), ,",Ie", 1I1I1I11"" law Ihllllll'l'lil'., III Il,e 1'111111,
~cl!l n Ic~~cr n111nulIl. U su, Lemler limy, III .IIlY tllllt'. L:ullcd iIIlll huhl FUIlII,; III nil 11I111111111 11111 In l''tnctl Ihe 1,~~.o;cl' 1I11UHllIl.
I.cmler III11Y c:~lil1l1\'e lhe nlllllulIl of Funds due till IIH~ hll~i.'i 01" l'lIlll~lIt t1aln llIul'Cno;tllUlhlc c'iliIlHllc~ Ill' CXIl\'llflitlllt.~ uf rlllUIC
H!lCHlW Itcm!\ or IIlhclwha: III11l'COItlllllce with Ill'pliClIhlc Inw,
the r:lIml~ !lhull he held in nil IIl~lit\lliull whtl~{~ dcposil' !lIe ill~UICtI lIy II lellclul Ilgelley, iIlSll\lllll~lIlality. or cllllly
(including Lr.mlcr, Ir I.cmlcr h ~tll:h nil illalillltiulI) ur illllllY Prelt'lal llllllle LOllll Halik, 1.1~lIfll'r ~hlllllll'l'ly the FUIIII!I lllpuy Ihe
E~cruw ItCIII~. Lcmler lIIay 1It11 c1111rge JlmlUwcr for hohlilltt 1ll1l11l111'1yllll~ the Flllltl~, 1I111111l111y 1I11;lIY1.IIlI~ tllc l::iCItIW nl't.'III1ItI, lit
Ycliryil1g lhc I:!scfUw Ilclll~. ulllc~!) I.emler PilY!; ("Jllower illlcrcal on Ihe F"Jl(I~ n!H1 Ilpl'lkuhlc luw JlCllllit~ l.cmler III lImke ~t1ch
It c!lnrgc. Iluwcycr, LCluler limy tcquilc Ihlttn\Vcr III flay II ollc,timc dmlgc hit 1111 itlflepclltll'llt Icnl calatc ta.' ICIUlItlllg sClvice
U:'ictl by Lemler 111 COllllcclioll wilh lhi" 10:11I, Ulllc:'i!,; "Plllicahle Inw jllUYitlc5 ulhl'l \VI~c, 1111It,~:'i nil nglt:clllcllt I~ lllmlc lit
nppllcnhlc law rCII"lrcs Illtclcsllu be paid, Lcmler :;lmlllUll he ICllllirctllu I'ay 1J001U\Ver 11llY llltclc:;1 III call1illg~ (111 the FUlU.b,
Uurro\Ycr nm! L.emlcr may ngree in writillH, huwcvcr. Ilml illlclc:;t shall he I'aitlllllllte FUIIII:;. Lemler r.lliIlIldvc In Iltllluwcr,
withoul cllIlIgC. nil ill11lUnl :lCClHllllill[t or lhe FUlldo;, showing clcllils 1II111llchit!li 10 llle F\lI\tI~ lIIul Ihe pllll'"~a~ fur which cneh
debit to the I'ullds wns IIInde. The I'lIl1ds nle I'lellgcd '" :nldiliollal 'cellrily fur al\ "III" ,cclII"d hy Ihi, SecII,ilY 111,ltllll1el1l.
If Ihe 1'11I111, hcld by Lcmler exceed Ihe nlllllllll', I'ellllilled III he held hy "1'I'Iic"hle III\Y, l.el1der ,"al\ acnlllllllll Ih'",,\Yer
fur Ihc exec,s FUlld, illllcell"I,,"ce with Ihe Icqlllrel1lel1l' llf "I'plicallle 11I\Y. If Ihe 1I111111111111f I"e I'lIl1d, held hy l.elldel'lIll1l1Y
time is 110t surOciclI( 10 pny tile Escrow ItcllI:'i whcll due. l.emler lIlay:;n notify lJulllIwcr ill wdlillg, 1111I1, ill ~tlt,:h rn~c IhulU\Ycr
shnlt (lilY 10 LClltl~r the 11IlmUIIl Ilccc5smy In lIlilke up the tlclid"IIl'Y. UUllowcr shalllllakc up Ilrc deficiency ill IIU lIIU1e limn
twelve 1II01llhly I'nYlllellls, III Lellller', ,"le di,crclioll.
UI'"11 I'nYlllell1 ill full uf nl\ 'UII" 'eellled by Ihi, Seellrily III,IIIIIIICIII, I.elldel' ,lmlll"'JllIl'lly ,dllml III 1l11Il11wel' lIlIY
I'ullds held hy Lellder. If, lllldcr 1'1Irnglal'h 21, Lellder ,hllll ncqlllre III ,el\lhe I'llll'e,ly, I.elldel', I'rill'llIlhe IIeqlli,ilillll \II' ",ie
uf thc PWl'clly, !llmll Ilpl1ly !lilY Fllml5 held hy I.t,lItlcr nllhc lime or Ul'lfllisiliult (II ~;11c. lPi It clctlilllgaillr.llltl~ MIlWi ~t'l;'lIlcd by
Ihl, Sccllllty IIISllllll1ell1.
J. ^111J1lcn1l1l1t ur I'nYlIlcnts, Unless Il\ll'licnhlc I:I\Y pruvitlc5 olhl~IWir.c, nil paYlllcllto; Ict'ciVCtl hy I.clltlcr under pa'"glnph~
I nml 2 :;lmll be Ill'plietl: fit~t, tu nllY prC'paYllIcnt c1lillgC~ tlue ulllh:r the Nole; r.cclI\ltI, 11111I111111111.0; Pil)'llhlc tIIulCI pl1Wl~llll'h 2;
Ihlrd. In Inlelc~' due; ruur1h, In prillcipallluc; 1II1t1last, ttlllllY latc c:hmgco; dlle uutler the Note,
4. Chnrgl's; J..ICll!l, IJurruwcr shall P:lY nlll;lxc5, 1l5~CS~;1I1CIII.,;, chal~co;, (im~~ lIIul iIllJlll~illllll~ llllrihutahlc IlIlhe I'lUpclly
which limy nttnill priUlily tlVCI' Ilri5 Srcurity IIISlllllllcllt, allll lca..,chllhll1l1Ylllt~lIt~ UI glUUIlt) tClII.'i, If lillY, BtJllllwcr :,,;lrall I'ny
thc~c ohligatllJlI~ IlIlhc IlHtllIICr rnoyhJctl illl'illngluph 2, (It ir 1It11 paitl illlhatlllallllCl', IJUIIII\Vt'I" ~hnll PilY Illt!11I HII lillle t1hcctly
10 the pcr~U11 owell pnYlllclI1. (Jurtnwcl !:hilll plllllllJtly fUlnish tu I.t~llllrl nlllltllicc:. of 1Il1ltllllll'i III he pldd 1I1111t'I Ihis I'mngllll'h.
If Burrowcr I1lOkc5 'he~c Im)'IIIr.III~ tlhctlly, 1I11t1owcl- shallfHulllptly rllllli~h 10 LCIHlt'r lCl'cil't~ cyhl('lIrilll~ IIII~ 11il}'lIIClIlo;,
Ilurruwcr 51 mil prulllJllly disclralgc llllY liell witit'll lIa.'i priority OYI~I thi!l Seclllily 11I~;I'"lllrlltllnlc'i~ IltllluWCI: (a) lIurce~ ill
wrillng III thc flllY"lcnt ur lire uulilt"lIoll :;cl"tllcd h}' llll~ liell illlllllilllllCI lIl'Ceptnhlc 10 !.clltlcl; (h) CllIIlc~~lo; III Jtlllllll'allh the lirn
hy, nr t1crcmls III~aim;1 CllrlllCClll'~1I1 of the lien ill. h'Aal (JlOl'CCllillg'i whkh ill the I.clldcl'~ llpillioll "11l'rulc III I'lcyenl Ihe
cnfurcclllclIl of lire licu; ur (c) ~CClIrC:i fllllll tire Irohh~r of the Iit~lI all lll~rCrllH'1l1 ~alhl;\f.:llIJY hi I.cnder ~llhIlHliHalillJ~ the Ilclllu
lhl~ Securily IIt~lI\1ll1CIII. Jr Lcnuer tlclellllil1t:s thai allY pml ur Ihe I'rnpl'rty I~ ~lIhjl'(.:t 10 1I licll wlrirll lIlilY llllaill I'lillrlly ovcr
this Sceutlly ImllullItlll, trllllcr limy givc IItJllowrr it IIIlliee idclllifyil1A 111t~ 1ll'II, 1IIIIIOWt'r r.11II1I ~i1ti~lr tlrc IiCIl'" t;lkc "IIC UI
lIlore of Ihc nctions 'el f"llh nhnve wilhill III rillY' (If Ihe giving or '\11lke.
tl'"11 JOJ!J 9190
r~Q' 1 01 n
S. lIuLUrd 01' I'rul'l!,.ly '".mI"lIlU:C, JlIIlW('f .'ihall kel'1' the illlllH1VClIll~lll~ !10W .l!'iling Of hClrartef Clcckd {III Ihe
It1upetly il1sUICtl ngnlll~II()'is hy file, h:ll:lId" indlltll'tl wilhill Ihe 1l:1I11 "e,'{lendctl UIVl'lilgC" ill\ll allY olll(:r hil/alll!'i, illC.:hltJiIlU
flond.. or r1umllllg, fllr '....hich I.clltler rC(llIirc~ iwltllaocc. Thi~ ill':IIlillWC !'ihalJ he mainlained illIIH~ 1I111t1Unls nllll fin the pcrllUh
thnll.cllder 1Cflullc.,. The illSUlilll<.:C Cilllicl' IIIIIVidill~ Ille ill~UI;llj("C ~Ilall he t:11t15CII IIY Iltllwwcl ...uhjel:t 10 l,l'I,(h~I'S 1I1'PlUVllI
which shull llut ~e UIItCiI!UHlUhly wilhhcld. I( lIulIUWCf fail~ 10 lIlilintaill (ovelage dC!'iclihctl nlJuye, I.cnder 1Il1lY, al LClltlcr's
OpHUII, ulJlnln CUVeHI{!C III plOlccll.clltler':; riChl5 iUlllc I'lOl'Clty illl1l'coltlallcc wllh pilfUgltlj1h 7.
All InSlIrl1l1Ce J1ollcic~ nlld ,cllewllh sllilll he I1crrplahlc III I.cmler lIwl 5hall inclllde u .'illlllllmd llIollgage dilllse. I..c,lItlcr
~hillllrnvc Ihe rlcllllo hultllhc IHllidc:'i l1IuJ Icl1t~\Yah. If I.c!Uln Il~qllill',"i, lIorruwer :'ihall plOlIIl'lly nivc tu I.entll'! alllcccipu or
(111hl JJrell1iUIII~ Rlul lel1cwnll1nllcc~. In Ihe r.VCIII of 1m." lJolltlWl'r shall Hivc PlOlIlfltllllllcc In Ihe iruulmtce eludcr lllld Lcmler,
LClldcr IIlny II1nkc I'loof of loss If 1I011lnhlr. 11I1Il1I1'1Iy hy 1I0llowr.r.
Ul1lcs~ Lender nnd lIolru\\'cr olhcl'wi~c IlCICe III wrilillC, illSlll:lIICC IJlm:ccd!; shall he IlPl'lIclllo fl~~h)lalitln nr lC'jlllir ur IIle
I'mpc,ly dl1l11l1gCtJ, If Ihe Icslmnliun ur rl'llllir h CCUlHlIlIiclllly rClI,'iihlc 1IIHII.cll"Cl"'~ ~~'l'lIdly i5 11111 1e~:'il~IICtl. If the IcshlllllinlllJr
It'palr Is IInl cconulIlit'lllIy reluihlc III' I.clltlcr'~ ~('I.:U1ily \Yl1ulllllc Ir.\~l'lI('d, IIle ill'illlalll'C plOt'r('c1~ slllll1 he nflplietlln IIle !illlll,
sccurcd by Ihl~ Secullty 11I~trlllllcllt, whr.lhcl" nl llutlhl'lI tlue, willi allY c...cc~~ I'nlclln Illllluwrr. If IIt11lU\\'er llhlllUlull~ Ihe
PropClly, or tIocs 1101 flll:'iWer ",Illain JO t1il)'5 11 11Illicc flUlll I.cllth:1 Ihllllhe ill'iUIIlIH'C cllllicr ha.'i orrrll:d 10 !i(~lIlc a clnllll, IhclI
l.cutler rnny collcct the IIISUllll1l:C IHlll't'ed!';. J.clltl(~r llIay Wir. lhe plOCl'etls 10 Il'pair III' le~tClle Ihe I'ItIj1clly lH 10 IHlY MilliS
~cclllctI by Ihls Ser.urliy 11I'IIlIIIICIII, wlrellre, o'"olllrr." tlllr.. Tire JUd"y period will hr.l:ill whr.lllhr. lIolke I~ givclI.
Ullless L.cmler nllll llolloIYcr ullrelwl5e ngler. ill wrillllll, III1Y "pl'licllllUII uf I'l(Iceel" III prillell'lIl ,lrulI 11111 r.xlcutl ur
po~ll'uUC Ihc dllc dnlc uf Ilrc 1I111llllrly I'Al'IlIr.II!.' refr.md lu ill 11:1I"1:1"l'h., I IlIIlI 2 III dlnlllle Ilrr. nlllUlIll1 uf IIlc I'''Ylllellls. If
under Ili1lnglllph 211hc 1'lollcIly i5 nCflllill.tf hy I.clIllcr, IhHI"OWt~I'n righllu III1Y ill'illlllllCC pulidcs nlld J1loccl:d~ IC!iu11l1l8 frolll
tllllllngc 10 the Plupelly priur 10 IIle ncqulsilillll 51mlllJ:WI 10 I.emler In the C)llcul uf till' !illlllS SCCllft't1 hy this Sc<.:mlty luslnrlllclIl
Irlllllelllnlely 1',Ior 10 Ihe nr.l)lIi,lilull.
G. OCCIII1IIIICY, I',r.sr.nnllull, ~Inllllr.n""ce 111111 I 'l'lI I r.r. 111111 of lire I',ullnl)'j lIol'l'IIII'Cl"., (,0"" ^ppllcnlloll; I.r.nselrohls,
IhJlwwcr !'Ihull occullY, eSlnhlhh, nlltJ U:'ie the l'!Opcny 1I~ UunnwCl"S princil'allcshlclIcc wilhill sixly days nrtcr lhe cxccution of
lhh. Sccurlly IlIsllumelll ntHl shull COIllilllle 10 occupy lhe I'lnl'Clly lllj llorlUwel"s principal resillellce ror fit ICl1sllJllc yenr orte:r
.Ihe tIulc or or;cupnllcy. unless Lendcr (Jlllcl\Vi~c ngtec~ In \YlilillU, which l'Ullscnt 5!r1l1l1l1l1 he 1Ill1cll~nllllhly withheld. nr ulllc!;s
.cxlcl1ullling drculll~'"IlCCS exbt which lire hcyulHl BUlrnwer'5 (onlnll. Ilnrlowcr ~llllll 11111 dc."lloy, tJitlllngc lIT impnlr tile
JlruPCIlY, nllo\Y Ihe Plnpclly 10 detcliorllte:, lll' ClJlllll1il \Yll~tc Oil Ihe I'I'UI'Clly. lJurlowcr 51mll he in dcfullh ir OilY fnrfellure
lIellun or prneeedlnc, whelher civil nr erill1illl1l, Is heClllllhi1( ill Lelltler'~ cootl fullh JUdUIIlCllt cUllltI le:nrlt III fUlrcilllle or the
PI'opel'y or lJlhe:twl!i~ IIlr1lcrilllly Illllmlr lhe Iicn cn~lIktl hy Ihi5 Securily 11151111111cIII or Lcmler's security 11IIcrcsl. IJnlluwcr IllI1Y
cura l'illch n dCrllUh 1111t1 Icill5lnlc, :l~ ptnvidetl ill plllllgr:lpla IH, hy Cllll5illlt the nclinn nr IHlICectlinu tn he 11i51l115SClI wilh n luUng
lhlll, III LCIllJer's b;f'L; f'lllh tIctellllillfllinll, IIIeclutlc5 rorrcihllc ur Ihc IJIIlIuwcr's iulclcsl III Ihe: PJU(leny or ulher IIllllerlnl
1Illl'IIlrlllClll lIf Ihc liell r.rr.nled hy Ihls Sr.r.llrily IllSlllllllr.1I1 or Lcmlr.r's sr.clllliy 11I1r.1"'I. lllllllllVcr shall !lhll hc III lIcfllulllf
Burrowcr, during the 101111 np(JlicnliulI prnCI~S!;, gnve IlHllerllllly false or irlllcclllalc illftulllUliulI ur ~ilillcll1elll~ In 1.r.llder (or fuHcl1
III pmvhle Lellllcr with !IllY lllalcll,,1 illforlllallllll) III clllllleclllllI wilh Ilrr. 11Iall evhlellcr.d hy Ihe Nllle, IlIdlldlllll, 11111 1I111111ll1lcd
In, rcplcscllluliollS conccrninG I1nnowcr's ncclIl1nncy uf IlIe PrnpClly liS n prillciltill residence, 'I'llIi8 Seturily hl5tllllllCIII Is 011 n
len,ehohl, UlIllower shnll cOlllflly wilh nil Iile I"ovlsillll' lIf Ihe 1r.II,e. If 1I111111IYr.r 1I['1"lle., fr.e Iillc III Ihe PI lIflelly , Ihc
lensehnl\1 U1UJ Ihe fee litle: shnllllulllle:ip,~ ulllc~s l.ender ngrecs In the IlIcrner III writing.
7.1'rolrcllnn of l..cndcr'.o; ItI~h(51I1thc 1'l'Ollcl'ly. If IJoflllwcr rails 10 perform the cuvelHlIII." Ulltl ngrccmcnl!l cUl1lnlncd III
Ihis Securily Insllumcnl, ur (hclc is n Ircnl Jlloceedinc (hal lIlay signinclIIllly urfec( Lender's rinhl~ il1lhc I'lOl'Clly (such D!I n
pl'Occcdlllg in bnllkrul1tcy, pruhnle, ror CCllldclIIlIllliulI or fOffcilllle ur In Cllrmce: liI\vs m rcglllnlitll15). lhell Lelltlcr IIIl1Y do mill
PllY ror whale:\lcr Is necessary In pmlccl lhe vuluc or lire PlopClly IIl1d Lcnder'5 lilthl!l III the I'rupclly. I.emler's ilclinll~ IIlllY
incluuc pllylllg nllY SUIIlS SCClllCl1 hy II Iicll which ha!i priorily lIVCI" Ihis Scclllily 11I."lruIIlCllt, nppcalillg ill cnllll. pnyinc
Icnsolluhlc nUOIneys' fees nut! entcring ullthe I'lCIl'crly In 1lI11kc IL'l'ilil!>. Alllrough I.endcr Illay IlIke Helinll ullller Ihi5 pllIanrullh
7, Lender due.. nnl hnve: 10 tin so.
Any nlllnullts disbursed hy Lemler lluder Ihis IIiIHlgtallh 7 slrall bCCOIl1C mldiliOlml debt or J!uunwer SCClllCl1 hy Ihls
Securlly IllslrullIclIl. Ulllc5S Ilunnwrr 11I111 I.cnder llUlee 10 ollicr ICll1l.~ (If PilYl1lClll, Ilrc5C nlllllllllls shllll heur inlelest flOlllthe
c.Iulc or dislJurSCl1lCIlI (II Ihe Nole IUle :UHf 5hall he 1':1)'ahlc, wilh illlcIC."I, UpOIl notice fWIlI LCllder In HOllower rellllc~tillg
IHI)'ule:nl,
-8.l\hll'l~lI"c Imilll'llllC(!, Ir Lendcr n:quirctllluHlgilgc imllrancc ns n ctJlldiliol1 of lIIaking Ihc IOlln seeUletl hy 'his Sccurity
Inslnllucnl, lIorrowcr shulll'ilY lire prell1lllrll~ relJuilctI 10 lllilinlaill the 1I11111GilgC illSUlIIlICC ill (~ITccl. If, fur nllY Icmmll, rhe
morlgnge illsllrnllcc CUyelogc rcqulred hy I.clulcr l;rp.'ics or censcs In he ill errect, UUflmvcr r;hllll pay lhe plelllilllll!'i lcquir-ed In
oblnln coycrnge Sllh51illllinlly equivlllcllt Itl lhe.: llloltr,llgc ill~lIl:Ull:: pleviously ill cl(('<.:I, ill n eWil !'illhslilllllnlly (''Iuiyulcll( In the
cust In nurrll\ver of lire lllnrlr,nge IIlSUl"lIl1l'C Plcviously ill cHecl, frulll 1111 altcllIillc lIIollgugc ill!1l11cr nppHlvcd hy Lender. Ir
suhstllntilllly equivulent "'''IIr,nge: 1ll.'iIllnllce: covclage I~ lint availnhlc, HOllower !'iliall flay In I.clltlrr each 1I101llh ;1 !'illlll {'qu.dlo
one:-twclftll ur lhe YClllly 11I001gllr,e ill~lIrull(C I'll'lllilllll "Cillr. paid hy 1IIIIIO\\'('r WllClIlllc ill!'illll1l1CC CIJVl'lllgC I:lp.'icd llf CC1l5ctlln
he In crfccl. I.clltlcr wlllllCtCpt, u~e nlld Iclailllhe!ic j1aYIIH:lll:-; a" a 1O!'i5 IC,'iclve ill lil~\1 (If llllHlr,agc illSlllilllce. Loss IC5crve
r011ll :10:19 9100
r~g~ 3 111 (I
I
raYI';elll! limy 110 10llger he lel\lIile~, Iii opliOIl or Lellder, ir IIIlIIIg"ge III"OHlllee nl. .ge (illlhe llllllll\lIllllllllol'lhe !,ellllll
1111I1 Lemler rcquirc~) IJruvhh:tl by nil iWilllcr :tpJllUvcll hy LCIIllcl l\l!i1ill hcnllllC~ l\vlIlIuhlt' I1Iltt i!\ uhlail1cd. lhHltlWCI ~lmll pity
Iho (lIClllluI1IS ICtjulrctllO I1mil\tnin lIlUllgacc ill:mlllllcc in clfcel. nr Iu I'luvhlc 1l10~fo IC~l~1 ye, uI1ti11he Icqllilclllcnl fllr 1I1U1lgngc
Insurance clld~ in accordance with allY wrillclI :Iglcclllclll hclwCCll HOlmwcr 1I1Il1 L.clulcl' III' IIl'p\irnhlc law.
9, 11I.lllCelloll, Lell~er or it! agelllomy lIH1ke lell""l1lhle elllde5 111'011111\11 impeeliuII5 \lr Ihe l'lopelly. Lell~er ,h,,1I giye
Uurrowcr uutice nllhe lime of nr prim tu I\n ill~pcCli\l11 !ipcciryil1g 1 cn~nlll1hlc ClIUSC fur the ill~pcrtlllll.
10. CUl1dCIUUnlhlll. The IHOcccll!'i (If ,IllY IIwaltl or c1nilll fur dllI1Hll!l'~, tlhC('l tlf cuwa:quclIlinl, ill \:tlllIlCl'lillll willi tlllY
cOlllJCII1Il11tlulI or other Inking uf 1111Y 1':111 ur lhe I'llIpcltYI tII' rOl CUll\lCY:IIICC IlIllcu or t:oll~lclIllHllillll, ;lie hClchy lI~~I"lle~llIlIll
!hall be r~l~ 10 Lemler,
III Ihe eyelll or ~ 101~IIIIklllg or Ihe I'rupelly, Ihe I" occell:: ::h,,1I he IIl'pliClllo Ihe "1111" "e","ell hy Ihi, See\ll Ily 111,,11 ulllelll,
IYhelher or lIullhell ~oe, IYith IIl1y exce", pai~ 10 \lIlIlUIYe!. III Ihe eyelll ur nplllliallakillg ur 11m I'llJpelly III IYhich Ihe rllil'
Ilmlket vnluc ur the I'ru(1elly hlllllclllntcly hdulc thc Illkill[t i5 cquill tu m glcnlcl thnn Ihe 1lIlll1l111t "I' lhe ~1I111~ r;cclIlctl hy lhi!'l
Secutity 11ll\lruI1lCIIIIII1lI1r.t1illtc1y hdUle lhc tilkllll~. lllllc~5 lJurlo\Vcr lIlIl! Lcndcr nlhclwlr.c nglcc In Wlililllt. Ihe ~\Illl~ :\CC\llctl hy
Ihi! Seeurily 11I,lru\llelll ,hllll he ICIll1ced hy Ihe '"11\111111 ur Ihe I"ueeeds 1lIlIltiplle~ hy Ihe IIIIIuIYIlIg r,"cliulI: (a) Ihe lulnl
nllIOU1I1 or Ih. 51111I5 'eeUle~ illlllledialcly behlle tI,e I"killll, ~iyided hy (h) Ih. rllil IlIIlIkel Yllllle or Ihe l'lul'elly illlllledilllcly
herore Ihe Inkillg. AllY hnhlllce ,h~1I be p"id I" 1I,,"uIYer. III the eyelll ur " p".li"llllkillg ullhe I'lupelly ill which Ihe rllll'
IlIlIIkc\ ynlue ur Ihe I'roperly hllllle~ialcly berme Ihe IlIkillll I, Ie," Ih,," tI,e 11I11""111 ur Ihe ""11S 5eclI.ell illlllledialcly her,"e Ih.
I~killg, ullle,! UOIIOIYer IIml Lemler "lhe'IYI,e nll.ee III IYI itill!.\ llI' IIl1le", llPplicllhle laIY ulhel IYise I'luyhle" Ihe 1"lIceel15 ,Imll
be npplle~ 10 Ihe 51111I5 seeule~ hy Ihl5 SCI'IlIity 11I,llIlIlIelll IYhelher ur 1IlIIIhe 511111S lIIe Ihell dlle.
Ir Ihe I'rope'ly I! ohamlolle~ by UI\lIoIYer, or ir, nner IIl1lice hy Lemler III \l,,"uIYer tlml Ihe e"lIIlclIlIIllI' ulrl'," I" 1I1l1ke 1111
aIYall1 or ,ellle a c1111111 ror ~alll\1ge5, 1I,,"uIYer rll1l5 I" le:;p"l\Il lu Lemler IYithill ]\) dllY' IIller Ihe dllle Ihe 1I"llee i, glyell,
Lell~er i! a"lhoril.e~ 10 coll.elll"~ apply Ih" plllewl" III it, upliulI, either lu le5IuIllII,," llI' ,cpllir "r Ihe I'lupclly 11I10 Ihe ,.III1S
'eeur.~ by Ihl, Security 111511","elll, whelher or lIollhell dlle.
Unle~~ Lellllcr nm..! llurrowcr uthcl wil\C oglce in WI ilillg, III1Y 1I1'1'Iiclllinll or I1IUcccd5 to I'II11ciplll !ihull 11111 cxtclltl ur
rO!lplllle Ihe dlle ~ale or Ihe 1I101llhly p"Ylllelll! lerelled lu 1IIIIIIIlIglllpllS I 111\112 ur ehllllge Ihe 111111111111 "I slleh pll)'lIlellls.
i I. lI"nuII'el' Noltlelellscd; F"rhelll'lI"ee lIy l.ellllcl' N"III \\,,,,,,c,'. Exlell,i,," ur Ihe IllIIe r"r pllYlllell1 "11I1lI~i1icIlIIUII
or allloltllnlioll or Ihe "1II1S 'eell.e~ hy Ihl, Seeurlly 11"IIIII"ellll.\lIl11led hy Le"del' I" ""y ,"eec,""r III i"le.e,1 "r \lurlllIYer ,hllll
Itlll opcmtc tu 1;:lcosc Ihe Illlhility or tile nligillul UUlIuwer or IJUlllJWCI '1\ ~UCCC~~\1I:'; in inlclcl;1. I.cmlca- ~hnl1l1t1t he Ic""hed 10
eOllllllellce IlI0cec~llIgs ngnill51llllY sueee",or illllllele,llll leru"c Iu exlelltlllllle rlllpllYlllellllll' ulhe'IY"'e lIIlIllII'y 11I11I1I1I,.lIlluII
of Ihe SOIlIX secure~ by Ihls Security h"IIUllIelll hy lell5UII or IIIIY delllllll~ lIullle hy Ihe 1I00glllll1 \luIIOIYel lII' IIUllllwer's
successors ill illlerc51, AllY ro.hearollee hy Lellder ill exelei,illg III1Y Ilghl III lellle~y 5111I11 1I1l1 hc llwlliyer ur lII' pleehl~e Ihc
exelcl,e or OilY rlghl or rellletly.
12. Successors \llld ^",lgllS 110111111; .llIh.1 nlltl Seyel'lll l.inhllitr; CII-slgllns, The eu\'elllll.l, nllll ngreulllelll! ur Ihls
Security h.!IIOlllelll shall hlll~ an~ bellelil Ihe ,"eees,ulS allll n"iglls Ilr Lellllel 1111I1 lIullulYer, suhjeel Iu Ihe ptllyl,hllIX \lr
paragrnph 17. UlIlIower', eoyellnlll, allll "sreelllelll' shnll be jllllll 1111I1 ,eyelnl. AllY lIulIllIYer IYhu cn.,lgll! Ihi! See\ll ity
In!lrulllelll hul ~oe' 1101 .xeeole Ihe Nllle: (II) i5 ell-5iglllllS Ihi, Seeulily 11"I,ulllelll Ullly Iu lIIlIlll.\"ge, grlllll III1lI cUllyey 1111I1
llull\lIYer's illler.sl ill Ihe PlOpelly uII~er Ihe lell1l5 or Ihi, Seclllily 11I,lllllllelll; (h) i5 111.1 pe,"IIIJlllly uhllglllctlll'pay Ihe '\IIIIS
secule~ by Ihis Seellrity III,lrulllenl; alld (c) IIg.ee5Ih"l Lellller nllll IIIIY ulIler lIullllwer lIIay nglee III e.,lcllll, IIll11liry, rUlhenr III
lII11ke III1Y nccllnllllo~IIliollS IYith legar~ ll) Ihe lell1l5 or Ihi, Seelll ily In"lrlllllenllll' Ihe Nule withllllllhlll Ihlllllwel', eUI"enl.
13. Lllnll Chlll'gc.., Ir Ihlllllnll 'ecllletl hy Ihi, Seellllly 1",lllllllelll is 5llhjeellllll IlIw which ,el' IIl1lxitllllllllllllll ehlllges,
all~ Ihal IIIIY i, fill"lIy illlelprele~ 50 111II11h. inlele51 III ulher I\HIII ehll.ges culleele~ III' Iu he eullecle~ III ClIlIllccllulI IYlth Ihe
IUiln exceed lhe pcrmiHc\llill1il:';, thell: (1\) nuy ~uch lo:\n chluge !ihnlll1l:! Icduced hy lhe nmollnt IICCC5~IIIY 10 ledllce lhe c1llllgc
to thc I1crlllltlcd Iilllil; Olll' (h) nllY :iU1lI5 nheady cullected rllllll UUlIlI\\'CI" which c...ccctlcd IU~lllIll1c\llhllit5 will hc rdumlcd III
Borro\Yer. Lemler nmy chouse to IIInkc lhh Iduml by Icdudlllt the plillcilllll u\\'cd under llle NlItc \II' hy IImkll1g n dlrecl
pnYIII.II1 III nOIlOIYer. I[ a lerllll~ ledllces "dllclp"I, Ihe letlllell"lI will he Ilellll'd 0" n 1111111111 plepa)'lIIelll IYllhlllll OilY
pr.llIlylllelll charge uII~er Ihe Nole.
14, Nlllle.s, AllY 1I111\ce 10 1l0llnIYer ployitletl rill' IlIlhi, Seellllly 11I.llllllllelll ,111I11 he giyell hy deliyeolllllll ur hy 1IIIIIIIIIg
II by firsl class lIIall uIII.", nrplieable IlIw le'l"ite5 'we llr IIl1nlhellllelhllll. The IInlice shllll he tliteeletllll Ihe 1'IlI"elly AII~le's
ur nllY uther mJtlrc5s UUllo\Yer dC!iip,nlllt'5 hy nut lee to I.emlcr, AllY Ilotice to Lender ~hall he givcn hy fil~l c1111\l\ 11I1111 In
l.cnllcr':; mJulc!is :;lnlctl herein or nllY utller ntldlC51\ Lemler t1c!ilglllllc!i h)' lIuticc In IhlllO\\I('''' All)' lIoticc Pluvhlcd rtlr III Ihl5
Seellrlty 11"ll\1l11cIII ,hall he ~eellle~ IlIlray. heelll\IYelllllllllllll\\'cl' or Lellller \\'hell gi\'CIIII., 1'.lIy;.led IlIlhis I ",".Jtlllplr.
15, l:IIYCl'IIII1~ 1.11\\'; Seyel'llhlllly, '1 hi, Seeurll)' 11I"lIl1ll1elll ,hlll\ he gllyelllcd hl' rcdelld laIY III1lI Ihe IIIIY IIr Ihe
jurh~icllulIllI IYhlch Ihe I'rol'elly i, IlIealed. IlIlhe eyellllhal allY 1"1I1';,illllllr clall"e III' Ih;5 Secllrlly h"lIl1ll1elll III Ihe Nllle
cunnicts with 11llpllcnulc luw, 511(h cOllllict ~halllltllllHcct lIlher pltJ\I\!dul1~ hr till:; !,ct:urily 11I~111I1lIclIl IIr the Nllte wlllch Clllt hc
giyell errecl IYithllllllhe cOlll1lclillg p."yi5;'1Il. Tllllti5 ell~ Ihe I'llIyi,illll" ur Ihi, Seeudly 11I,lIl1l11ellllllllllhe Nllle IIle deehlled
10 be Seyelllhle,
16, 1I111'1'O\\'CI"s Col'),. 1I01l0IYer 511:111 he givelllllle Cllllhu IlIed elll'Y IIr Ihe ~Jlllc nlld IIr Ihl5 See II I ily 11I"llIllIlelll.
rorlll :1039 0/00
r~g~ 4 fit II
17, 'I'11I1I,f.I' uf th. 1'lllP.II)' Ill' II lI.mlldlll lulrlc,l III 1111 IT 11 \\'. I. Ir all III allY 1""1 uf Ihe l'I\II'Clly IIr III1Y Illlele,111I1l
h suitt ur hUlIsfcllctl (ur If n hCllc(icial illlclc.o;l illlhlllUWCI i!\ ~\lld ur II;\WilclIcd mltllJulltlwer i, 11111 a llallllllll'(:I~UIt) wilhuuI
LelUlcr'~ III lor wrltlcn ((HISCHI, Lender Illay, III it:; oplion. Il'quill~ illlllwdialc l'aYlllt"1l1 ill 1\111 lif nil ~lIl1lo; !;C'l'ulc\1 hy lhi~
Sccurily ImHllllllcnl. However, lhi.!i ul'liulI !1hallllllt he cxcld~c\1 hy I.cllllcl' if c:"'~Il:i~c ill IlIlIhihil,'d II)' 1c\1':lallaw ll~ IIllhe dulc
of Ihis Seeudly 11I'llolI\eul.
If lClltlr.r c:~clcise.1I this optiol1, Lender ~hilll give !lol nJ\\"~1' 1I(11ke IIlnn:c1l'l:llillll. 'I he IIntkc .!ihallllltlvhlc U pclillll elf IIU'
less thall 30 oays flOIl1 Ihe dnle the Ilotice h ddivclcll 01" lllilikd within which Ihlllowcr I1lllo;l P:lY III ~1Il1l~ .!ircUlcd hy lhi.!i
Sccurily III.!iltlJlllclIl. If lJorlOwcr rail:; In pay IhC!;l~ r.1I111~ pliOI' In llH~ r,'pilaliuu of t1d~ PCdllll, Lemlcr 1IB1)' illvukc !IllY 11.:1I1Cllic~
(Jcfl11ltlcll by lhls Sccudty 11l.';t1ulI1clIl without hlltllcr Iltltice (II dClllalltlllllllOlll1WCI.
18, II1lHIlWrr'S llIghl tll It.III,llIl., If 1I11111lwer lI,eel, Cl"laill e'"lllilill"', IIIII.l1wcr ,11,,11 IIave Ihe Ii!!hl 111 h"ve
cnrorcemenl or lhis Sccurily Insh\llllcllt di~l'{JIl\inucd nt allY tilllr. pliOI tn Ihe c:ulil:r or: (:1) .5 tlay." (or wch tither 1'l'a1lltll1~
ill1plicohlc law limy 5pcclfy fur IcillSlalclllclIl) before !illlc uf thc l'wpclly IHlIstlHllt 10 !lilY IIII\VC! III ~mlc ctllIlaillcd in thi.,
Security 11l51fUlllcnl: nr (h) entry of 0 jllclglllCtll cllfnlcing Ihi~ SCCIII ;ly III,r,IIIIIIU'1l1. Thuse CllllditillWi mc thai IltulOwCI': (n) plly~
Lendcr nil 5UIlIs which thclI would be c1I1C \Inlier this Sccuaily 1Il!',tJUIllt'Il1 111111 tllc Nole 110; if 1Il1 IIl:cclclalillll IIml t1ccllllctl; (h)
cure~ OilY ddllult (lr nllY olher ruvemmL', or nglcelllclIls; (c) lIay!'i :III C;\IIl'I\!;c!'; il\c\lllctl in Cllfllldl1g Ihi." SccUlHy InsllUlIlcut,
illclUl.JIIIP.' hut lIut Iilllilcd ln, ICl1snl1l1hlc IIthllllCYS' fcc~: HllIl (d) lllkc~ r.lIch lll.'t i 1111 II" LClli.lcr limy Il'lI:;tlllllhly rcqllhc t" l1!'snrc
tllnt lhe Ilell or Ihl5 Secu.-ity Inr.lrul11cnt, l.cndcr's righl!'! 111 Ihe 1'lIIl1clt)' 1I11111J1l111lwcr'!' tlhli~alillll lu pay Ihe :mlll!l ~ccUtctl hy
Ihi" Sc:cudty IlI!itruUlcllt 51 mil cOllthlllC 1I11l.:hal1gccl. Upun Icillsli1ICllIl~lIt hy IJtlllU\\'er, llli~ Sel'tuhy Ill.o;lrllllll'lIl IIml the
uhllglltlom; sCl.:urcd herelly shnlllclIUlill fully errcctive ;1:'; ir IIl1l1el'clcralioll IIml Ul.'I.:II11Cd, IluwcvI'r. lllis Ilghtltl Icln~llllc "hllll
1101 npl,ly Illlhe eMe of neeelelOllollllllder pillagluph 17.
9, SlIle uf Nolej Chllllge IIf LlIlIll S.nlc.I', The Nllle III II 1""llal illle,e,1 ill Iii. Nule (1IIgelhe!' wllh Ihl, Seelldly
11l~trtlII1Cllt) nmy be :mlcl nile or mOle lill1C!i withnutllrior Illllkc to I1nrlO\Vcr, ^ .o;ale 11111Y Ir!illll inn dlllngc inll1c (,lIlily (knuwu
nslhc "Lunn ~crvlccr") Ihnt cullects 1I10111111y p:ty"\{~l1ts tlue III1t1cr the Nole nlltl t1ti:'i Sccndly 111s1111111CIlt. lhclc l1ho 1I111Y he IHle
ur IlIUIC c1H1l1ge~ or Ihe Lunll Serviccr \llllclatellltl 11 ~ale or the Nulc. If thclc i~ n chal1l,?c ur tlH~ I.uall SClvicl'r, 1J00lUwcr \Viii he
given wrillelllluticc of the chnnge in nccUld.lllcc wilh p;lIngt:1I'h H lIhove ntlll ;ll'l'liclIhle law, The ll!llke will !'ilalc Ihc nall1e IIml
ndurc5!'! of the new Lunn Servlccr nile! the ;It.Jdl C~5 10 whic.:h paYlllcnts ~hu\lld he Ill:ulc, Thc IIllticc will nlsu cuulni" 1Il1Y uthcr
illforillallllll leqllired hy npplienhle law.
20. IIn7.tudnmi SulJ!'ilnllccs. IJnnower ~hall I\tI( cutl~e (II permit lhr. 11IC",ClIl'r., me. di';1'11r.al, ~hllllgt'. Ill' Ich:m"~ uf !lilY
1I1\7.nHJuus Suh!il:lI1cc!i 011 or ill lhe I'ropclly, lJunuwer ~\HlIl 1101 du, 1IIlI" nllo\V I1I1YUI1C CI!iC 10 till, 111lylhllllt nlfecliug the
Jlrupctly Ihllt I~ in viollllloll ur [lilY EllviuulIllr.lltnl Lnw. Thc (Ilcl.:ctling twu !'iCIlICIICC~ !'ilmll 11111111'1'1)' In lhe pIC~r.IICC, u~e. or
storage 011 the Properly or ~ll1all qUl1l1liliC!1 of 1I;I1.l11tlnus SlIhslnllccs Ihat :lie gClle1l111y Iccoglli1.C( Itl hc UI'(llUl'lillte In 111J1ltlnl
resldellllal o,es nlld 10 mlllllle",,"ee or Ihe I'lllperly,
Uurruwer shnll prolllptly give Lcmler wrillen nul Ice t1f 1111y invc!itignliulI, dail11. tlclIlIIlIIl, 1;"v~t1il or lIlher lIt:llun hr III1Y
goverlllllclllnl ur regulnlory IIP.CIlCY tlr \lliVIlIC (1ll11y involving the PlUjlcll)' lIml nny 11:ll.IlHlum; SlIhslallce HI' Hllvilt1ll1llclllu I.I\\Y
of whleh llulIllIVer hns lIelual kuuIVb ge. If UOlllllver Iealll', '" i, Illllllie,1 hy III1Y 1~lIv.II'lIlclllnl \I' l.gulal\l'Y ulllh,llily, 1I11l1
illlY I'cllIovul ur other rClIlcdialiul1 ur all)' lIa1i1rdous Sulmtlllll.:C nlfcclil1g the 1'lUllcll)' I~ lII.:cc~~my, HUll1Iwcr !ilmlll'luUll'lly tuke
nllltccc~snlY rCllu:t1inl nctiull!i in nCI.:OltlllllCC wilh EllvilullInclllal Lnw.
^!i u!ied in thl! I'arnnrnl'h 20, "lln1.mdutJ!i Suhslul1ce~" me thur.c :mhslal1cc~ \Idillrtl n<; III~ic tll h:111111Ium'l 511'I~tUllCC!l hy
nUvirullUlclllnl Lnw nlllJ lhe followil1g !iUhr.li111CC!i: gll!'iulillc, kCro:iCIlC, IIlher lluI11111;1111c or lo~ic I'ctlUlculll pltltl\ld~, t"xlc
pcsticides nllll hClhicitles, vululilc :mlvcllls, IImtcrials cOIlhlinillg ashe~tus m flJllIUlhlehytlc, I1Iltll:nlhIlU:livc 1Il1llCIIUI!l. ^S \I!ictl ill
Ihls pnrngmph 20, "Ellvinllulleulnl Lnw" lIle"," fe.bal Inw, ","l law, Ilf Ihe jllll~<Iielillll whele Ihe 1''''l'elly I, I\lealell Ihllt
relnle 10 henllh, safely or ellVhO'Huelllalplllleelioll.
NON-UNIFORM COVENANTS, IJllrruIVer alld Lemler IIlIlher C\lvelHlIll nmlll!!,ce lIS 1\l1I1l1V~:
21. Acc.lel'lIl1llllj Itellle<l Ie., , Lellller shall [!h'e IIl1l1ee tll IlIllTIlW.,' i'dlll' IlIlInd.,lIIIIlII 1111111,,1111\ 1l'"TIII'H'S h...,eh
Ilf puy cll,'elllllll Ill' IIgre.lIl.1l1 III Ihl.' S.rllllly 11l,lllllllelll (hilt 11IlI pdlll' III IIccclcrllllllll 111111.1' 11I1l'lI!!....\,h 17 mile,"
IIppllrllhle Ill" 1"'II\'h'.. Illhel'\\'I,.), L.lIller ~hallllllllf)' IIl1lnll,..1' IIf, 1111111111\ ulhH 11,1111:" (II) Ih. .h'fllllll; (h) Ihe IIdlllll
l'e'llIlred III elll'e Ihe lIefllllll; (e) whell Ihe .1.fllllllll1l1'\ he e,"erl: 1I11l1 (,I) Ihal flllllll'e III 1'111'1' Ihe rlcrllllll,,, "i'.c1ncIlIl1I1Y
re5ult 111 nrcclernlllln fir Ihe I'iUIl1~ 5Cl.::lIrCtl hy 1111.0; Scc1Iril)' ItI."itrllllH'ul, rllnclwmre hy .Imllrlllll'l'lIl'l'Cllhl>> 11I111 snle ur Ihe
P"ollerl)'. I.clIIler l'iihnll rurther lurul'lIl HUHCI\\'CI' ur Ihc right III I'dll.':;lnlc Unt,&, 1Il'l't'lnullulI nlltllllt~ rlghl 111 1I~.;t'rllll the
fureclfl,",ul'c /u'"ccctllnJt Ihe Iwo-c:clsll'IlCC IIr n dl,rllull fir n!lY IIthcl' .h,rl'II~C ur III1r1U\H'1' III IlCnll'l'l1l1t111 111111 rHn:dn,r,lIu'. H
the dcfnult !Ii IIl1t Clued n!li 5I'ccllil',11 Lemlcr. lit Its IIllth'Il, Ilia)' rcclulrc hllll1\.'llInlt! )111)'1111.:111111 11111 IIf nil !'\I1WI !'l'l'IIITtl h,"
thl., Seellrlly In.,trllln.nl 1111111I01 fllllh.1' .Ielllllllll nll.1 IIIlIY I.lIredll.,e Ihl., SI'cnllly In'llrlllllelll h)' .I11.lIdtll I'l'lIendlllg.
l.ellder ,hllll he enlllled tn cullerl till ..'I'cn"',, InenITell In 11I1l"tlln~ Ihe I<'nl..II., I'l'II\'IIled III Ihl. IIIntll~l'nl'h 21,
Incllllllng, hnlnnlllllllle.lltl, nlltllT'.)'" f,'e.' IInd ensl.' tlf 1111. ""Idence Itllh. e.,lcnll'el'lIIi1led hy tll'l'lknhle ItI\\'.
22. Itrlen~e, UpOIl (laymenl or 1111 !:;1I111~ ~ccurcd h)' Ihi~ SCl.:U1ily 111~lllIlIlclll. thi!i Scclllily 11I~lllIl1wllI 11m! lllc e!'ilnlc
conveyed !ihlllllellllil1lltc nmllJcculllc vllid. ^Iler :'iuch OCC\lIICIlI.'C. Lcndcr !ihall "i~cltmgr. 111111 ~ali~ry Ihis SCl'lllity 11l~lltllllclll
whhu\I( chlllge to HOlluwer. Unrro\\'cr shillll1:1Y nllY fCCOH!lIlitlll co;,l~,
23. "'nhen. Unrrowcr, tu the exlcnl pcrlllittcd hy nPl'licnhlc lawl waivc!; 1111l1Iclca~c~ 1I1lY clIur lit lldcct!i illlllllcecllillg!l
(0 enforce this Security II1r.trulllcnt, IImJ hcrcby waive!i Ihc ht:l1elit of :IIlY plt'SCllt lit ruhllc 11Iw:,; plnvitlillL! for ~1:1Y tlr rxccutlnn,
cxlcmiul1 of titl1l~. e~cl11p(ilJII hl1l11 alll1chlllClll, levy nlld snle, ami hlllllc~lrilll c:(clllpliulI,
24. Itclw;(nlclllcl1( l'crimJ. llulruwcr'!1lill1c 10 rcill~lalc Plllvltlcd ill pitlll{!lilph 11\ :;Ilall e.'lcmll" tllle 11mII' prior III Ihe
COllllIICl1CCII1CI\( or bhhllng at 11 shcd(f'~ !ialc or other sale 11\1I'~U:1I111t) thi!i SCCHI ily 111~II\lIllCI1I.
25. l'ul'chn.'ie l\lunc)' 1\1n..lgn~e, If nllY or the deht f,rctllctl hy this ~ccurily IlPilrUlIlcl1\ is ICllllo Ilulluwcr tlllll:quhc title
to Ihe Property, thi" Securily II1:,;trlllllrllt ~hall he :ll'ulchn~c lIIolley 1I11HIl'.age,
2(" Inlere,tllllte Arter .Ill1lglllelll. BUlluwer al:lee, Ihallhe illlele,I'Hle I'HYllhle unCI n jllllgllICIII i.' elllerrd unlile Nule
or In nil m.:liun ur I1lCHlgngc rmecln!:;lIIc r.hall he Ihe lilIe payahle rlllll\ tilllc 10 lime \lnder IlIe Nllle.
rOlln 3039 9190
""(,.flnln
17, IUden 10 Ihl! Security 1l1,lrlllllclIl. If olle or more riders l1Ie e.eellled by lIorrower nlld reeuIlled tugelhcr with Ihls
Security lu,tromeur, Ihe covellnlll. nud ngree1\lelll, of cneh such rldcr shall be lucutpornlcd lulo nml .hllll nluclllllllld .upplc1\leut
Ihe eovounuts nlld ngree1\lellts of Ihl. Secllrlly 1t"lrulllclIl 0' If Ihe rl<lc,(,) wele a pn'l uf Ihls Secudly 1",11111\10111.
(Check applicable bo.(e.)) 182881\6 PAC6-3039-C-6
~AdJUSlable Role Rldcr ~COlld01\l1llillm Rider ~ I-~ 1'01\llly Illdcr
Ornduolcd POl' me III Rider . . l'lnllllcd UIIII Devclup1\lelllltider IlIIYcckly l'aY1\lcIII Rider
Dnlloon Rlller Rnle Improvelllelllllider Sccolld 1I0llle Rider
V,^. Rider OII,er(,) l.peclfy)
TH I S I NSTRLJMENT WAS DRAFTED BY I NORWEST MORTGAGE. I NC.. !SO!)!) Cl\RLlSI E
F'lKE" MECHAN I CSBURG, PA 170550000
~ ~llcl
(Seal)
.Ihn,ower
DY SIGNING DillOW, Dorrower ncccpls olld ngrce' 10 the Icrllls
In any Ildel(') e.eculed by DOllowel olld lecorded wilh II.
Wltncsses:
(Seal)
-barlower
(Scnl)
.bOffowcr
(5001)
.l1m.ower
Cerllnenl. of n",ldenc.
I,
Ihe wllhln-nnl1led Morlgogee I,
5031)65137
Wllne,s 1IIY 1\3l1d Ihl,
NOR~IEST MORTGAGE INC.., P. 0.' i\'d~rc!Y1~~I~y ~~shcMB'f'NE'l5'~re"A'f
19TH
day of
SEPTEMBER
1994
Agelll of MUltgllgee
COMMONWEALTH OF l'ENNS\'LVANIA.
19TH SEPTEMBER
Olllhls,lhe LARRY A "'814A~D A SEPARATE PERSQtq
per~ll']!./Gt".\1t)o\Y~~SON 0 \,
CUMBERLAND
COllllly ss:
1991\
AND ~:Al'~It!~I!~lcMlhr,~lYmi,"c~ orrlcor,
kllolYlllo Il1e (or ,"II,faclodly p,nvoII) 10 be Ihe
persoll who~c I1nl1l~ subscribed lu the withiu imlrulllcI11 unu ncklluwlctlgcu Ihnl
e.eculed Ihe S01\le fOI Ihe pmposc' herein COlllllllled. ~ L
IN WITNESS WHIlRIJOI', I helelllllo set lilY h'1\Id nlld uHidnl scall\ .J.. f.'f. ? - r1 r,-/l 1_ .1.'
My Comml"lon I;.plre", { n .LL\J.L - { -!....L. f\ 1 L__
NOTARIAL SEAL ,I
CATHERINE l. REIGLE, Nol.ry Public L
C.mp Hili Boro, Cumhrllod Co., PA
My Commllllon Explr.. Aug. 31. lWB 1 hi, or OIn",
r'lI' 8 011
FOIlt1 ~O:J9 UI!JO
'-.
/'1'/ 'If ooi 1<0
I O:Hll~b
NOTE
ttln r-:'.:-:(I(
--SEPTEflEiEkl 'j ,- -j 19'\
eN'iF II 1 Id,;'-
r ~FINSY1}'JMlI ~
--~'}i!-;:,~Hf.r<T~' i\OAn; (;^I~L rSLr., F'i\ -- ',"~~,I,':~,j'I,-;'~;i
t, nonnOWEn'!I rnOMISE TO rAY
In 10luIII 10' II tonn IhBI I 1,0\10 'ct:mvnd. I (lfllllllt" 10 flOly U ~ S '-_'''" JllJ1-; 60Q: 00 "~__n__._... ..IIlIlS "'"lIlII" I' r.nllod
"1111I1CI(1,,,"). plUI i'llolflSl,10 Iho mdOf 011110 londo. Ihn lnndl)l h NORWESr-~10RTa"(;jE;--nU:.-._n- ____. .____
~j;tf~d;~.fi9,Ql~,lln7f1,n'1~?;,T 9r.~ l~-,~:j;-~~-'~~~-~';l'; -~';;Il-~,,'~~-~;:;-~;;t;~~~~.;;,~~;;:;- ~i;~ ~;~~~~!dto 11~::::~'~n~:~~
1II011ls undOllhl! tk'IQ 10 C:Rlled Ih,. , flolllllol1lnr,"
2,ltlJEneSr
hllo"'l will bit ehlngo'! Olllll1fl;\111 flllllcipnl unlillhn lull 011I011111 01 fmll(';!1l1l1 hns hcnllllllid. 1.....111 P"V II.ltHO'l1 ill " ~(,DII., 1111" 01
-_..-:-mo.
Th. Inlcunl\l"IIUb ,'nquired b., Ihi!l 50r.11011 2 15 Iho IRlo I 1'01111 P,lY holh hol')IO nllllllllol nil" Ilnlnllll tJoStllbt'1I III !30CIIOII R (11) 01
IhlsNole.
3. fW1MEtUS
{^I'jlma nnd rlllco 01 PnYIIlOlIls
I will fln., Illlnell';)1 nnd luloro~1 by wllkinll fl.l~IIlf!llI~ cvmy mOlllh
I will II1nko my monll,ly poylll01115 on 1110 -'r-:Tf.;cjTdIlY 01 rllel, nlonlll hnlJlll"hllJ 011....__ ~_..- -, NO 'rr'n~n.' __ .
~9t1. I wUlll1nko IhuIU nllynllml:1 ovoly monlh 1l11~111 lUll/I! IInnl nil allhn l1'mr1jlnl nnrlllllrl'HII Rill! nny 011"" r:hnlur5 dllscr,lmd
bolow Ihall moy owe UndtH 1I11s Uolo. My monlhly flnYlllonls WIll hn ilPl111Cd 10 Il1lmllsl bnlr)llt flllll(lp;'l1 II, on ... . .*. __'_'_
-ni.Tr.mE::It-\ aT . "-.~(I2J1' ...- . I <:>1111 (l'hC nlllf)unl Ul1tlor IhlS 'll)ln. I 'hilll1ny lhasa nmOUllls In lull un Ihill C.1h7.
which r. c...nolllho 'mnlwU., dnl"."
I wltl mnko my Inonlhly pi1yrnonls nl.'-NOI(Wl?~ T- Nnril t3nC:H~ '-1 file; i j.'P; ();--fiO)(' ~17-7,.. m:~ MOl !'IF:S..
-I n--~"~1)~~1 ~7-'._._d__'U_'--_._.___ .--.---. -----_ 0' n cMllllolI1 pl.lr.O IllllqlJlu!'l by fl!JlI~ llntdr.r
(0) Amount 01 Monlhly POYll1cIlls
My 1110nlhly pilymonl will be '" nut mnounl 01 US S ._---it...... ~.........tt".."'.".B(78;.:::e .
4, oonnOWEn's mallT 10 ftltErAY
I have Iho IllIhllo moke f)II'pnYlllonl!) 01 plindllnl nl ;'lily li'll1'J helm., limy nlo duo ^ pnylll('1I1 01 p,lnCipal nnl~ I'S known ;)'1 n "'"0'
poyltlonl,"Whon I mnko n p,opoymrnl. 1......1110111/10 NOlo Holder 111 wlillllg II iii I I mn doing 51).
I mny mnko IJ full p'opnyrHOlllnl (lnrllnlll/npnYHln.'t~ wilhuul nilyirul nny p'C'llnyllllllll rhmUD. rill} Nolo I1l7hlor will U~11 nil olll1y
plepnymnnls 10 'oduco Iho 011'011111 01 jl/lnr.lpnllhnll own UIliJor \Ill!! r l(lll! IIllflake n p.UIIIl11Ilrll;1y"lftlll, U""o w'" bu IIU Ch.IIIQt'S III
Iho dUll, dalo 01 inlho nltlOlml 01 Illy 1Il01llhly pnyrlllml UlI105.. Iho rlnlo IloldOl il!JIOOS In wllling,lo Ih050 ch.mgo'
II. LOAN CIIAnOES
II a low, which opplios 10 this loon nlld which sols ma_imllllllo"n ch/llgos. Is linnlly Inlorr7l0lnrJ so Ihnllho 111101051 01 olho' loon
chalgol coltochld 01 10 bo calloclod In connaclion wilh lhis lonll olcolllllho pOllllillcd lifnilS, Iho,,' Iii nny !luth IOArl chnrgo ,holl be
'educed by Ihe nmounl nncol\!JD'y 10 ,oduco lho chol!}1J 10 lho pOlll1lllod htllll; nnd till any 1I111TlS alroAdy r.olhttlCd hom 111" which
elclJQdod pelmiUod lunlll will bo IlJlunuad 10 mo. rho Nolo 1I0ldol mny ChOOlll7 10 moko Ihls rolund hy 10l1ucillg Iho nril1r.ipnll OW!:
undOl IhlS 'Jole m by malting II dilrcl rlllymnnllo 1110. II II ,olwnlll!ducrs Plilldpnl, Iho '17lluclloll will hn IIonlod n, n (lllllln1lllrpnY'",!I11
0, DonnOWen's FAllune TO rAV AS nEOUlneO
(A) lAlo Chnl90 10f Ov.,duQ raYlnon1!1
Iflhe Nolo IlnhJOI has nollotol...oll Iha lull OIllOUnl 01 oily 1II0I11111y fl:lyrnonl hy Iha nlld oL.._15_0AYH
calondOI dOYll nllol Iht' dDI" III!\ lluo, I will pny n Inlo chn/!}o to Iho flulu HuldDI. 'hit Rr1IOllnl 01 nIl! chOlgf1 will lm
01 nly ovo/duo fl"ymnnl 01 flllnc'l7nllllulll1loro!l1 1 will pny lIu91010 chnrgo promptly bul 01\1'1 ol1ce 011 each Inlo flnyrllf!1l1
,:..(II)t:'t
(0) Dolnull
III do 1101 pny 1111) lull "moUlII oll!ilth 1l101llhly IH1Yrlltml 01111117 r1nlr> it i!\ dUll, 11'1'111 110 In II!!rnUII
Ie) Nollc. 01 Delllull
III am In doloull, Ihu Nolo Holr"u .nny Innd m~ iI WIIHttl1 "ohro IrUillfl ml! l/1nllllllo nol pny Iho o~l7fduc ll1"Olll1l hy a rOn~ln
daln, Ihn f1010 IloluCH mny laquho InO 10 flny InulIcdlnloly 1110 lull aIl10\ll1lnlll.lnr:il1ill which hn, llllllJollllll;I'(\ I1nd ;'llllht' Inllmnl
Ihnll owo on Ihnlll1l10uIIl. Thnl dnlo "'\I!l1 bo nllca51JO days nltOllho dalo nil '....hic" IIln nullen I, i1l/liI.-nrllll (lr Uhl1r"d 10 1110
tOI tlo Walvor Oy Nola llohJor
e"'fm II, III n limo when I RIll III dnlnult, Iho Ilolo 111I1lI"r 1l0ll!\ IIlll /O(lUlrO Illn In rJtly InuHodlulnly III lull 11'1 th!'ltlll)lId nhnvc. \Ill'
Uol. Holdor .,,111 !lUll I1n...o 1110 "ghllo do '0 III nm in t1o;null al n Inlol I'mo
IE) Pilymnll' 01 Nnlo 1101110'" CO!l11 nlltl ElpOfllOS
IF mE NOTE HOLDER 11115 REOUIREO tiE ro F'M 1f1MEDII1TELY IfJ FULL 115 0F.SCIll8ED
ABOVE, THE tl01E HULDen \lJlLL !lAVE lHE RIGHT' HI DE f'nlD [IACI DY ME rOl\ /'ILL
OF I TS COSTS mm EY.FENSES HI .llFDriC !tIG TH 15 ~IOTE llJ filE E XTEtIf 1m 1
F"ROHIf.41 fED EIY AFFl.ICrlftLE LAW. III1JSE EXFEI'ISI::.S INClUUE. FOI\ EXf)f1H.r..
REAGONnEtLE nTTOr\NE\'G' FEES'.
7, OtVlrlO OF UOTICES
Vnlos!; apnlicntJle Inw leqlljros n /hllIHOl1tl11~lhotJ, ,111V 1101'C(1 U'<III1HI'l1 lit! O'~clllo II'P. tIIltl", n", '1011' \'tIll h" Q"/l!11 hy dchvl'lIng
II 01 by rnnlUng II by Ilrsl.clns'lIIlnll10 llIe nllhl? I'lOp!'rly ^dlhr.'l'l nho~o 171 nl n lhllmrlll /1Ilclrr-.'I111 qlvlllho tloll7 HllltllJr I'IlIollr:" 1)1
my elmorl7nl nthhou
ArlY nolk" Ih.,I lnu!'!1 ho CjlvnH lolho ~ltllQ Holde. IlIldmlhi!iII'lln ....,11 Ill' {JI'II!II!1y ll'illlinCl.1 hy 1110;1 cl;r~5 111;1,1 In II", Hnh'II,.I"!!r
filth" ndd,o,!' I\lnll!d III 50tlion :.I1^1 nllov,", or 01 " 1j,llmr,,1 oddrO'!i111 ,11'1 nl...rl1 0 111111[11 01 111,'1 doUt'rr.111 mhllr,'l"
''',',t l "~m II" MIJll1'jfMf F1let7 tlOH: - Sloull" r"",II., rW.IAlrlllMC UlllrOIlt.4IU'17JllJMf;l1T 11'11/.1 ""'7" n I
fly
.~
GE Cnl'ilnl
.
---_.--..-,_._._---_.,~_..._--_._--- -.-- .-.--.--.--.....--........
GE C/fplll1' ^,Ol'gllg_ S.,vlcII,/IlC.
AllllltuflilC1/tll.1IMIU'!/.lr/I'!:lwIIlH,I"fIlI
111011 Wml 11Il11' Slit/III, SWIO ',1IIa
,I (1 11m .')//7/5, lIum/ml. IX 1I11J! (/Jlr,
"JIi).lW)
DAlE. HoV 10, 1996
NOIICE Of IN1ENIION 10 fORECLOSE
HORIGAGE UNOER SECIION 403 01 PA
ACI NO.6 Of 1974, (READ BOlli
PAGES Of IIlIS NOIICE CAREfULLY. I
LARRY A SOIIARD
2755 SPR I NO RO
CARLISLE, PA 17013
RE. GE LOAN. 0014791261
PROPERlY 2755 SPRING RD CARLISLE, PA 17011
HORIGAGEE. G.E. CAPIIAL HORIGAGE SERVICES
Thl Hortgage held by the above nOlned Mortgagee (hereinafter Wit, UI, or our.) on
your prop.rty noted .bove I' In sorlous default becDu.e you have not m4de tho
mo~th\y payments II noted below under (D), and/or becauso you hoyo foiled to
cOO1'ly with or perform the other provlslort of the mortgage obligation, If any,
~ .. noted below under Cd). Previous late char gel under (b) and ethel' charon, If
Iny, U'lder eel noted below, hDve also accrued to this dote. The total amount now
required to cure thl, default, or In other words, get caught up In your payments
81 of the dote of thl. letter, I. noted below undor (0).
(I) 010196 thru 050196 Q
S925,48/OO pluo late chg Q S\0.41
S2,857.26
(b) prevloul lete charg~(s):
Cc) NSF check chargaCs):
Cd) Other provlllon. of the mortgage obligation If any:
(I) Total amount requlrrd 8S of this doto:
SBO,81
.00
.00
S2,B57 .27
You may cur a thl, default within TlIlRfY (30) daya of this latter by paying to us
the amount undor (e) above, plus any additional monthly payments ond late
charges (and other charges) which may fall due during this period. Such payment
mult be either by cash, cDshlerl. check, certified check, or money order mode
payable to G.E. Hortgo'lle Services, 625 Haryvllte Centre, St. louis, HO 63141,
Attentfonl Cashiering Department.
If you do not cure the default within flURTY (30) days, we Intend to exercise
our right to accelerate the mortgago payments. This monns that what over I, owing
on the original mortgage amount borrowed will be considered due Imncdlately, and
you may 1010 the chance to payoff the original mortgage In monthly
Installments. If full payment of tho amount of default Is not mode within TUIRTY
(30) daYl, we alia Intend to Instruct our attorneys to start D lawsuit to
foreclole your mortgage property. If the mortgage Is foreclosed, your mortgnge
property will be sold by the Sheriff to payoff the mortgage debt. If we refor
your clle to our attorney., but you curo the default be foro they begin lognl
proceedings egofnst you. you will hove to pay the reasonnble attorney's fees
actually tncurred up to S50.00. 1I0wol/er, If hoat prol;ocdlngs 01'0 started
.galnst you, you wll' have to pay the reasonable attorney's fees even 'f they
Ire over S~O.OO. Any attorney's fees will be added to whatever you owe UI, which
may allo Include our reasonable costl. If you cure the de'Dult within the
TII1ATY(30) day period. you will not be required to pay attorneY'1 fees.
II you ..' Ioc.-t.-hco mo~;lno with thl, l.nd.r, or with. co",,,,,.r cr.dlt
c:oun..lIng Igeney Identified In thll notice, no further proceeding In mortgoge
fA.(K",_l!lnull'YJJK,_pl.t;'Lf.C?_LJ~! r,ty ('0) AIIY_~_~' Je:r.Jh~__~Dt 0_ ~J_Jh!_'_rne,lttJn9 ~,-_..
ThI nDftll. .dd".., and telwphone ntAnhar of our ropretenUt 'lI't cI".;....' Mp"9.1g_ Silvie", I/lc,
G.E. Copltol Hortgoge Services "(1m/alGI c'ljllldIMmf!J,1!/tt(;IIIIHllilIIIJII
625 Maryvllle Centre Drlva 700nWI1\tlUll/ISfIIJ!fl,SwlclJIJlI.
" (J 1111. .'l(1)Jrlll/lI/.\/I/II, rx lIOJ! 01!!!
St. Loul" HO 6]14' }1J(i7J oJ])}
1 (8001 541,-1/,66
The name. .00 .ddr..... of dnlgnoted con,unar credit counnll"; DQonclGl .ro
.hown on the attached .heet. It i. on\.,. nocellary to schedule one hc,.to'fac.
_.tlng. You should Idvl.. this lender lrnnedlotlfly of your intentions.
YoUr mortglg. I, In default becouse you hova failed to pay pronl'tly Installment.
of principal ,00 Internt, II r.qulred for at least Ih,ty (60) day.. Tho total
amount of th. delinquency Is S2,851.27. Thot .um Include. the followlng1
plymentl due 03/01/96 through the first of this month and lau chargel.
Your mortgage II .llo In default for the following realon:
Marital Probl.m~.
If you hav. trhd and ar. unabl. to rcsollve thl. problem at or after Ollr
fac.-to-f,cl meeting, you have the right to apply for flnancl.l IssIstance from
thl Homeowners' Emergency Mortgoge Assistance Fund. In oldar to do this, you
"It fill out, Ilgn and fll. a completed Homeown!!rs' Emergency ASllltBnce
Application with one of the designatad consumer credit counseling agencl.s
~ ll.ted on the attachment. An application for asslstanco may only be obtained
from I consumer credit counseling agency. Tha conlumar credit counse'lng agency
will 1IIIst you In filling out your application and will lubmlt your completed
application to the Pennlylvonla HaUling Finance Agency. Your opp'lcatlon ImJlt
be filed or poltmorkad, within thirty (0) days of your toco-to-faca meeting.
It II tXtremely Irrportont that you file your application promptly.
not do la, or " you do not (allow other time periods sat forth In
foreclolure may proceed against your home immediately.
If you do
this letter,
Available fundi for emergency mortgago oulttance are vary limited. They will
be disbursed by the Agency under the o'lglbl'lty criteria establllhed by the ACT.
It II extremely Important that your application Is accurate and complete In
every r..pect. The Pennlylvonla Housing Flnonce Agency hos sixty (60) days to
make a declllon 8fter It receives your application. During that additional time,
no foreclosure proceedings will be purlued against you If you havo mat the time
requlrementl set forth above. You will be notified directly by tha Agency of Its
decision on your appltcatlon.
The Pennsylvania Houalng FInance Agency Is located at 2tOt North Front Street.
Poat Office 80x 8029, Ilarrlsburg, Pennsylvania 17105. Telephone No. (117)
780~3800 or t-800-342~2397 (toll free nllnbcr). Perlons with IlT'f)olred hearing
con c.ll 1-800-142-2397.
In addition, you may receive another not leD from this lender under Act 6 of
1914. That notice II called a IINotlce of Intention to Foredose.1I You ITlJst read
both notlc.s, since they both explain rights that you now have under
Pennsylvania llw. 1l0wl!ver. If you chao !It! to exercise your rlghtt described In
this notice, you cannot foreclosed upon while you are receiving that assistance.
Sincerely,
14791263
Mark Overton,1 (800) 544'3~66 I Collection Department
GE en/JUnl
... .....
"-
.'
\
GE CUllilnl
1.110, WI may lue yro perlon.lly for the unplld prlnclplIl
I~ dul undor thl Mortgage.
GE C""itlll Motlg,g_ S"rlcu,lnc.
A wwl ul/if t:.'/"'II' Aftlll!I,III" 1.'/UIMu,l/rU/1
11/(1(/ W"1IIlJ1I11 SUI/lfl. SIII'" una
I'll 11". .flfl]15. "OlUf"". ,X 110]1 OIl!'!
IIJtiJJ ,fJJ}
balance, .00 all other
If you hlvl not cur.d thl dehult within the thIrty doy period, and for.clolur.
proctldlngl hIV. begun, you will Itlll have the right to cure the default and
prlvlnt thl ,.1. .t Iny time up to one hour ba'or. the therl'f', for.cloture
..I.. You may do 10 by p.ylng th. toul amount of the unpaid monthly payments
plul Iny lat. charg,., charge, then due, I' well al the re'lonoble .ttornoy"
h.1 Ind COIU COMlcud wi th thQ foreclosure ule (ond perform eny other
r.qulremenU under the mort;.ga). It Is ntlmllt,d thet the torllelt dlta that
luch shlrlff's ..I. could be held would bl approximately FIVE MONTHS FROM TIlE
DATE OF THIS LETT"R.
A notlcl of the date of the .herlf". nl, wIll bo IOllt to you before the IIIle.
Of courll, thl lmount n..ded to cure the del.ult will Increo.. the longer you
w.h. You II\IY find out It Iny time uoetly what the required plyment will be by
c.lllng u, It hi lollowlng ",..00,,1 (800) 544.3466 , This payment "",t bl In
caih, c..hl.r's check, certified check, or monoy order and made payable to u.
It thl .ddrell Itated abov..
~
You .hould r..lho that I .herlff'. sol. wlU end your ownerahtp 0' the
martglged property and your right In It. If you contInue to live In the property
after the .h.rlff'l 1111, a law.ult could bo .tarted to ovlct you.
You hlVI .eldl tlonal rights to help protect your Int.rllt In the property. You
hlv, thl right to IIU the property to obtain money to poy off the mortgage
debt, or borrow money from .nother lending In.tltutlon to payoff thll debt (you
may havI the right to III I or tronsfer the prop.rty lubJ.ct to the mortgage to I
buyer or trln.f,r., who will a..ume the mortgage debt, provided that all the
outstlndlng payment., charge., attorneyl. fee. and cost. are paid prior to, or
It the lall and thet other requirement. undqr the Hort;qgo ore .otl.fled).
Contlct UI to determine under what clrcumstanceu this right might exl.t. You
hlv, the right to hive thll dofoult cured by ony third porty acting on your
blh.l I.
If you cur. the default, the mortgtlge will be restored to
If no deflult had occurred. However, you ore not entitled
than thr.. tlmo. In I calendar yoor.
the sa,ne position .1
to thll rIght more
Very Truly Your.,
14791263
Hork Overton, Loon Counsolor 1 (600) 544-]466
.fj
\-
AC! 91 NOIICE
GE Cnl,i1nl
l~~L~.mON.!lLSAVE_ .TlJJ'L~~E_ J~OH. !~RE.CLOSU~E____ ___ _______.___ - - - ._-
GE '.pllll' MO"8lfg. S"vle". tnc.
Th. Comnonwealth of Ponnsylvanla's lIomeowner" EmergendYII,MofEGfg.tnIMlllff1il!lflCllllmliJll:m
AIII,t.nc. Progrllft NY b. ,bit to help you. Reed the folloprftl1gjJ~".S/~~:~,.!~x'i;~i'J 0715
out how thl progr.m work.. 1IJ(j1J..tJ]]
If you "..d mort Information, coll the PaM..,.lv."I. lIouling Fln.nce Aganey
.t 1.800.142.2397.
La Notification en adJunto .1 do sumo Importantl., pUGS afacta IU darecho a
contlnuar vlvltndo tn IU c.... 51 no comprando 01 contonldo do .Ita
notlflcaclon obleng. un. treductlon Immedlatamente llomando ..t. .gonele
(PIMlyl...,nh 1I0ullng Finane. Agency) Iln cargol III nlJ1lero menclonado arriba.
pued.. "" eleglble p.r. un pr.ltemo por ,I programa Hamada "l1omeawnlrsl
(merglncy Hartglgt "nlltlncl Program" Il cuol puede IOl...nr IU COli dr II
ptrdld. del der.cho I r.dlmlr IU hlpoteca.
~
ACT 91 NOTICE
IHPORTANT, NOTICE OF IIOHEOIlNERS'
EHERGENCT HORTGAGE ASSISTANCE PROGRAH
PLEASE READ TNIS NOllCE.
TOU HAY BE ELIGIBLE FOR FINANCIAL
ASSISTANCE ~IIICII CAN SAVE TOUR IIOHE FROII
FORECLOSURE AND IIELP TOU HAKE FUTURE HORTGAGE PAIHENTS
H.y 10, 1996
RE. G,E. CAPITAL HORTGAGE SERVICES, INC.
Property Addr.... 2755 SPRING RD, CARLISLE PA 17011
Lo.n M 14791261
TOI KATHLEEN H DUGAN
2755 SPRING RD
CARLISLE, PA 17011
fROMt G.E. C.pltel Hortgege Servlcel
You mey b. ellglbl. for financial Dlllstance that wiLL prevent foreclosure on
your mortgDg. " you comply with the pro...lllona of the lIomaowner" Emorgency
Mortgag. Anlltance Act of 1983 (the "ACY"). You may be al fglble for emergency
t~r.ry 1.llltanCI If you default hat been cauted by clrcumstanc.. beyond your
control, you ha.... a rltDlonabl. pro.pect of resuming your mortgage payments, end
If you Intet other eligibility requirements established by the Penn,ylvanle
Houllng rlnGnce Aglncy. ploo.. read all of thll Notlca. It contDln. an
Ixpl.nltfon of your rlghtl.
Under the Act, you Irl entitled to I temporAry .tay 0' forecla.ure on your
fI'IOrtglgt for thirty (30) days from the dato of thll Notice. During that time
you mJlt arrlngl and attend D !lfece' to' foca" meeting with D repreuntatlve of
thl. linder, or with. designated consumor credit counseling agency. The
purpoll 0' this meeting I, to DUa""t to work out a repayment plan. or to
ath,rwlle leule your delinquency. This meeting ITIUst occur In the nel'tt thirty
(30 I d.ya.
~.
If you ~ . faCl.to.faca meeting with thll lender. Dr with a conslIfI(!r credit
'cGUlIIl'"; ogeney Identified In thll notlclt. no furthor proceeding In mortgage
forec\R.\.fr..L.may.....1I1~~Lnl..~e:_ tOLJ,h lr:'Y J10) ..days _~'tllr__~h. .da~e .o'--tt1I.~ .lfI4l'ot Ing.
Th. name, addr,.., and telephone nUTlber of our representot I If'! cl,~Jla' Mo,'gl1/1" S"viee..'nc.
a.E. Copltol Mortgnge Servlcol AIIII"II/(iIC.1IJ1f.1/Mflll!JtItJflC11I1IlJIoIflflll
625 Haryvll\o Contro Orivo lflfHI WI'"LlIfl/J SUlIfll. Surhl '3tHJ
l' 0 /1m "JOUr.. 1J!ll,~llIIt IX 111ll! ON!I
St. Louis, HO 611/,1 III Ii/,] .fOil}
1 (nODI 544-3466
'he nDmGI end oddre.... of d"lgnated consumer credit counoollng 8genclea or.
.hown on thl attached Ihoat. It II only "ec(tuory to schedulo one heo.to-foce
meeting. You .hould advl.e thl, londor Immedlatoly of your Intentions.
GE Cnpilnl
Your mortgage I, In default bocDuse you hnvv failed to pay prorTl't\y In"tollmcnu
of prlnclp.l .nd lntorelt, n. req~lred for nt leDlt Ilxty (60) dqys. fho total
.mount of the deUnquency Is 12,857.27. 1h.t Ilnl Includes tho following:
peymenU dUI 03/01196 through the first of this month and loto chcrgos.
Your mortgage I. .1.0 In dofault for tho followln~ reason:
M.rltal Problem..
,
.
If you have tried and Dre unable to rOlolvl thll problem at or aftor our
tec..to.'.c, meetinG, you h8VI the right to 8pply for financial ol,l.toncl from
thl Homeown~rl' Emergency Mortgage Assistance Fund. In order to do this, you
mUlt 'Ill but, .Ign and fllo D completed Homeowners' Emorgoncy A.slstance
Appllcltlon with ani of thl deslgnatod consumer credit counsollng ogonclol
llst,d on the .ttachment. An oppllcotlon for 81111tonce may only be obtained
trom I consumer credit counseling agoney. 1ho consumer credit counseling 8goncy
will ...ht you In filling out ycur application Bnd will lubnlt your completed
Ippllcltlon to the Pennsylvania 1I0ullng Flnllnce Agoncy. Your application mult
be filed or postmarked, within thirty (30) days of your face-to.foco moetlng.
It II el'l.tremely import.nt thot you rile your appllcotlon promptly. If you do
not do la, or If you do not follow other time periods set forth In thla letter,
foreclolure moy proceed agolnst your homo Immediately.
Av,Iloble funds for emergency mortgngo an Iltance aro very llml ted. 1hoy will
be disbursed by the Agency undor the eligibility criteria nUbllshed by tho ACT.
I t II extremely Important that your appllcDt Ion is aCClJrllte and corrpleto In
Ivery r'lpect. The P.nnsylvanla HaUling rlnonce Agency hos ,IKty (60) day. to
make a decl.lon .fter It recelvol your Dppllcatlon. DUring that addltlonat time,
no forectolure proceedings will be purlued against you If you havo met the time
requlrementl ,It forth above. Tou will be notified directly by the Agency of Its
decls:on on your app\lcatlon.
lh. Pennsylvania 1I0ullng Finance Agency Is located nt 210' North Front Street,
POlt Office Box 8029, Ilard.burg, Pennsylvonla 17105. Telephone No. (717)
780.3800 or 1.800-342.2397 (toll froo nuni,or). Parsong with Impaired heorlng
cln call 1-800-342-2197.
In ,ddltlon, you may receive another notice from thl. lender under Act 6 of
1974. That notice II called a "Not lea of Intcntton to foreclose." You fWll reod
both nottcn, Ilnce they both oxplaln rights thnt you now have undl!r
Pennlylvanla tow. lIowevor, If you ChOO!H! to ollcrclse your rights described In
thl. notlclt, you cannot foreclosed upon white you ore recelvlll!] thot nulltance.
sincerely,
1/,791261
Hark Overton,' (800) 5",,-,3/.66, Cl)llr.ctlonOClpilrtmr.nt
~
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-
--
IlUD APPROVED COUNSELING AGENCIES
GE Capital
p~~~my.~~!~\ C_~~\L_______._____ _ ________________
NElGNBORHOOO OEVELOPHENI ALLI ANeE SA rELL liE Off I CE, GEe'I,iI., AI.rlgng. S"./,,,,llIo.
393' OGONft AVE. A UIIII ul GE C.1plf.l/Mflltgllge Ctllll(ltIJ'rnll
PHILADELPHIA PA 19141 CONSUMER CREDIT COUNSELlNwr~'JtiQ-I~~II/JSIIII'h.S"",,'JIJO
, l"n nil.. ./l(/]l!j, 1I11lUlflll, IX 11011 071:'
(215) 424 1111 OF WESIERN PEHHSYLVANIA, }r,G,7.1-ml
500-02 III1RD AVE.
PDSI OIFICE OOX 278
DUNCANSVILLE, PA 16615-0276
(B141 696 1546
NO/HillIEST COUNSELING SERVICE, INC.
5601 N. BROAD SIREET, SUITE 209
PIlILAOELPIIIA, PA 19141
<2151 549 2114
PHILAOELPIlIA COUNCIL FOR COHHUNIIY
AOVANCEHENI
100 N. 17111 STREEI, SUITE 600
PHILAOELPIlIA, PA 19102
(2151 567 7801
PHILAOELPHIA IlOUSIHG OEVELOPHENI
CORPORATION
1214 HARXET STREET . 10TH FLOOR
PHILADELPHIA, PA 19107
12151,4481117
,
.
SOUTHweST GERHANTOWN COHHUNITY
OEVELOPHENT CORPORATIOH
5002 WAYHE AVE,
PIlILADELPHIA, PA 19144
(215) 841 2000
URBAN LEAGUE OF PllILAOElPHIA
EDUCATION FOUNDATION
IlOUSING INFORHAlIOH CENTER
4601 HARKEI STREET, SUITE 2 SOUIll
PHILADELPHIA, PA 19139
(215) 476 4040
WASNINGTON'GREENE COHHUNITY ACTION
CORPORATION
2198 NORTIl HAIH STREET
WASIlINGTOH, PA 15101
(4121 255 9556
SERVICE ANEA, BLAIR COUNIY
ALlooNA/BLAIR COUNIY COHMUNIIY
HOUSiNG RESOURCE BOARD
1122 6TH AVE.
P.O. BOX 1485
ALTooNA, PA 16603
(814) 944 7286
SERVICE AREA' CAHBRIA COUNry
CAHBRIA COUHTY IlOUSING CORPORAl ION
SWAIlN BUILDING, RDOH 104
616 HAIH srREET
JDIlNSrON, PA 15901
(8141 535 8100
SERVICE AREA' ERIE COUNTY, PA
DAHRDNT NATO, INC.
HARTIN LUIIIER KING CENTER
312 CIlESTNUT STREET
ERIE, PA 16507
(BI4) 451 5744
BOOKER T. WASIlINGTON, INC,
1720 1l0LLAHO ST,
ERIE, PA 16501
(814) /,51 5744
H.A.N.O.S., INC.
139 EAST 12T11 STREE T
ERIE, PA 16501
(1141 459 1047
JOIIH F. KENNEDY CENTER
2021 EAST 20111 STREET
ERIE, PA 16501
(8141 898 0400
FAHILY SERVICE OF ERIE
110 WEST 10111 SIREET
ERIE, PA 16501
(014) 45', 61.70
-e
.
HUD APPROVED COUHSEllNa AaENCIES
P~~~Sl~~~~}~(Co~r,L_ ____~_..____ ^_________~_____.____
GE Capitel Morlgag. S,rw;eu, Inc:.
SERVICE AREAl \lESTHORELAlta".cotJAlffiIIJlIiJ/MOIIg.1f]{J r:1lI1l1ll,IlWII
]000 We" LilI/I' SOUl/I. SUI/e 1300
'~O n(~,12P1J5. IIIlI/,IIrJ/l'X 1/O7! 01/5
CONSUMER CREDI T COUNSELlNnNJl.lfh
OF ~ESTERN PENNSYLVANIA, INC.
CHAHBER OF COMHERCE BUILDING
662 NOR III HAIN STREET
aREENSBURGll, PA 15601
(412) 83B 1290
SERVICE AREA. aREENE COUNTY
SATELLITE OFFICE.
WASllINGTON/aREEN COHMUNITY
ACTION CORPORATION
202 OLD COUNTY OFfiCE 8UILOING
WAYNESBURG, PA 15170
(4121 852 2891
SERVICE AREA. LA~RENCE COUNty
SATELLITE OFFICE.
CONS\JHER CREDIT COUNSELING SERVICE
OF WESTERN PENNSYLVANIA, INC.
109 SHITHFIELO STREET
NANEY OFFICE BUILDING, SUITE 10~
NEW CASTLE, PA 16101
(4121.6528074
.
.
SERVICE AREA: HERCER COUNT!
SNENAGO VALLEY URBAN LEAaUE
19 CNESTNUT STREET
SNARON, PA 16146
(4T21 981 5110
SERVICE AREA. WASHINatOH COUNty
~ASHINGTON/aREENE COMMUNITY
ACTION CORPORATION
2198 NORTH HAIN STREET
~ASHINTON, PA 15101
(4T21 225 9550
CONSUMER CREDIT COUIISELlNa SERVICE
OF ~ESIERN PENNSYLVAIIIA, INC.
109 SHltllFIELO StREET
PITlSBURall. PA 15222
(412) 471 7584
ELDEA.ADO, INC.
i20 BR~NSVILLE ROAD
PITTBURaH, PA 15210
(412) 381 6900
aARFIELO JUBILEE, ASSOCIATION
5118 PENH AVE.
PITTBURGH, PA 15224
(412) 665 5200
IlOUSING OPPORTUNITIES, IHC.
111 7l1l StREET
POST OfFICE BON 9
HCNEESPOR1. PA 15114
(..121 664 1590
URBAH LEAaUE IlOUSING COUNSELING
SERVICE, INC.
104 ROSS SIREET
PllTSBURGIl, PA 15219
(412) 261 0912
GE Caplin'
Of'r~! ! '! 11,rr
OCT 2~ Il UJ Mi '~S
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GE C~pl~'ll MClrtgll\ltl flervlr;ea, lilt;.
lIS.
Kathleen llU1ltlll
" 96-5930 Civil Term
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York
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COmPlaint in Mortqaqe Foreclosure
'~raG
Kathleen OUqari
221 Camelot Arms, Building Z, York, Yorlt County, PA
lC
by!=C!:::{:o
Kathleen Dugan
.. true and attested
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rn THE COURT OF et:roK:W PlEAS OF Clt1BERLAND CXXJNl'Y. PEtftiYLVANIA
CIVIL DMSION
file No. 1996-05930
Amount Due 115,106.84
Interest 1/13/91-6/4/91 $2,100.84
Caption I
GE CAPITAL MORTGAGE SERVICES, IHC.
VB.
LARRY SOWARD AND
KATHLEEN DUGAN
Atty's Ccmn
Costs
'ro THE pROnIormARi' OF THE SAID COURT.
The undersigned hereby certifies that the below does not arise out of a retail
installnent sale, contract. or account based on a confession of judgnent, but if it does.
it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as
amendedr and for real property pursuant to Act 6 of 1974 as arrended.
PRAEX:IPE FOR EXECl1l'100
Issue writ of execution in the above rratter to the Sheriff of CUKBEIlLAHD
County. for debt, interest and costs upon the following described property of the
defendant!s) 2155 SPRIHG ROAD, CARLISLE, PA 11013
(SEE ATTACHED COpy OF LEGAL DESCRIPTIOH)
PRAEX:IPE FOR ATl'J\CItoIENl' EXEX:t1l'ION
Issue writ of attactvnent to the Sheriff of County. for debt.
interest and costs, as above, directing attachment against the above-named garnishee(s) for
the following property (if real estate, supply six copies of the description/ supply four
copies of lengthy personalty list)
and all other property of the defendant! s) in the possession. custody or control of the
said garnishee(s).
DATE.
against
vyy (Indicate) Index this writ against the garni~bee
real estate of the defendant!s) described
.~;J2
"r./q7
Signatur .
Print Narre. KICllAEL R. NESTOR, HSQUlRE
Address. 100 S. BROAD ST. STH 2226
PHIlADELPHIA. PA 19110
Attorney fOri GE CAPITAL MORTGAGE SERVICES. INC.
Telephone. 215/923-2225
Supreme Court ID l\b. :
16429
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--
If real proptlrty, su~ply six COPW5 ot dr,,:.::lP .on lncludll1lj iJItlr'oV'e"'ol1ts dlld dll
orig~l1al dlld copy at atfidavlt or c"ner'il,;,' (P1i'.":'P' ~~,. ll291,
If lengthy ptlrsonalty list, ~uprL'{ rOllr r;(,pi.e" '.1E llst,
1'0 inde.,< wrlt. file separate praecipe '....it:-, .,,'l t..
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ALL THAT CERTAIN piece or parcel ot land situate in Middlesex
Township and North Middleton Township, Cumberland County,
Pennsylvania, and more particularly bounded and described as
tallows to wit:
BEGINNING at an iron pipe at the Southeast corner ot the
intersection of Pine Avenue and Elm Av~nue, which point i8 270.6
teet East of the centsr line of Pennsylvania Route No. 34, and
which point is South 68 dsgrees 40 minutes Bast, a distance of 50
feet from the Northeast corner of the lands owned now or formerly
by J. Eads, thence along the Southern line of Elm Avenue at right
angles to Route No. 34, South 51 degrees East, a distance of 240.00
feet to a iron pipe; thence by lands of Mary A. Best, South 21
degrees East, a distance of 344.02 feet to an iron pipe in the
center of a three foot wide unnamed stream; thence by the center of
said stream, eouth 49 degrees, 55 minutes west, a distance of 52.64
feet to an iron pipe in the center of said etream; thence by the
center of said stream, South 73 degrees West, a distance of 93.00
feet to an iron pipe also in the center of said stream; thence by
lands of Mary A. Best, North 51 degrees West, a distance of 476.25
feet to an iron pipe on the east line of pine Avenue; thence by the
east line of Pine Avenue North 39 degrees East, a distance of 300
feet to an iron pipe, the place of beginning.
ALL 3.04 acres and being all of lots 33,34,35,36 and the majority
of Lot 37 together with the other lands as shown on an unrecorded
plot of lots titled "Plan No.2, Mountain View Terrace" prepared by
T. Elliott, Middletown, Registered Survey '1597.
BEING THE SAME PREMISES which C. Cho and Kyong C. Cho, husband and
wife, by Virtue of Deed dated September 19, 1994 and recorded
September 23, 1994 and recorded in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania, in Deed Book 112,
Volume 218, an granted and conveyed unto Kathleen M. Dugan,
Mortgagor, herein.
IMPROVEMENTS THEREON: Residential Dwelling
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MA'l"l'LBMAN, GRBBNBBRG. SBMBRBLSON, WBINROTH , MILLBR
BY: MICBABL R. NBSTOR, BSQUIRB
ATTORNEY ID NO. 76429
SUITS 2226 LAND TITLB BUILDING
BROAD , CHESTNUT STRBBTS
PHlLADBLPHIA, PA 19110
215/923-2225
Attorney for Plaintiff
GB CAPITAL MORTGAGE SBRVICES, INC. COURT OF COMMON PLBAS
CUMBERLAND COUNTY
Plaintiff
NO. 1996-05930
VB.
LARRY SOWARD AND
UTBLBBN DUGAN
Defendant
AFFIDAVIT PURSUANT TO RULB 3129.1
COMMONWEALTH OF PBNNSYLVANIA
COUNTY OF PHILADELPHIA
:
.
.
GB CAPITAL MORTGAGB SBRVICBS, INC., Plaintiff in the above
entitled cause of action, sets forth as of the date the praecipe
for the writ of execution was filed the following information
concerning the real property located at 2755 Spring Road, Carlisle,
PA 17013:
1. Name and address of Owner(s) or Reputed OWner(s):
Kathleen Dugan
221 Camelot Arms Building *Z
York, PA 1~1l13 /7401
2. Name and address of Defendant(s) in the Judgment:
Larry Soward
2755 Spring Road
Carlisle, PA 17013
Kathleen Dugan
221 Camelot Arms B~ilding *Z
York, PA l':'lllJ '7/Jol
3. Name and address of every judgment creditor whose
judgment is a record lien on the real property to be sold:
GE Capital Mortgage Services, Inc.
(Plaintiff herein)
625 Merryville Centre Drive
St. Louis, MO 63141-5834
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MATTLEMAN, GREENBERG, SHMERELSON, WEINROTH & MILLER
BYI MICHAEL R. NESTOR, ESQUIRE
Attorney ID *76429
Suite 2226 Land Title Building
Broad and Chestnut Streets
Philadelphia, PA 19110
Attorneys for Plaintiff
GE CAPITAL MORTGAGE SERVICES, INC. COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff
VS.
NO.1 1996-05930
LARRY SOWARD AND
KATHLEEN DUGAN
Defendant(s)
NOTICE OF SHERIFF'S SALE
OF REAL PROPERTY PURSUANT
TO PENNSYLVANIA RULE OF
CIVIL PROCEDURE 3129
TAKB NOTICE I
Your house (real estate) at 2755 Spring Road, Carlisle, PA
17013 is scheduled to be sold at Sheriff's Sale on June 4, 1997, at
10100am in the Cumberland County Courthouse, South Hanover Street,
Carlisle, PA 17013 to enforce the Court Judgment of $115,706.84
obtained by GE Capital Mortgage Services, Inc.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate actionl
1. The Sale will be cancelled if you par to Michllel R.
Nestor, Attorney for GE Capital Mortgage Serv ces, Inc, back
payments, late charges, costs and reasonable attorneys fees due.
To find out how much you must pay, you may call Michael R. Nestor
at 215-923-2225.
2. You may be able to stop the Sale by filing a petition
asking the court to strike or open the Judgment, if the Judgment
was improperly entered. You may also ask the Court to postpone the
Sale for good cause.
3. You may also be able to stop the Sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
Sale. (See Notice on page ~wo and how to obtain an attorney).
Cumberland County Court Administrator
4th Floor
Cumberland County Courthouse
717/240-6200
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTBBR
RIGHTS EVEN IF TBB SBBRIFF'S SALE DOES TAltB PLACE.
1.
be sold
oalling
If the Sheriff's Sale is not stopped, your propertr will
to the highest bidder. You may find out the bid pr ce by
Michael R. Nestor at 215-923-2225.
2. You may be able to petition the Court to set aside the
Sale if the bid price was groesly inadequate oompared to the market
value of your property.
3. The Sale will go through only if the Buyer pays the
Sheriff the full amount due on the Sale. To find out if this has
happened you may call Michael R. Nestor at 215-923-2225.
4. If the amount due from the Buyer is not paid to the
Sheriff, you will remain the owner of the property as i1 the Sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a Deed to
the Buyer. At that time, the Buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was paid
for your house. A Schedule of distribution of the money bid for
your house will be filed by the Sheriff on July 6, 1997. This
schedule will state who will be receiving that money. The money
will be paid out in acoordance with this schedule unless exceptions
(reasons why the proposed distribution is wrong) are filed with the
Sheriff within ten (10) days after.
7. You may also have other rights and defenses, or ways of
getting your house back, if you act immediately after the Sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE TUB OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL BBLP.
291/45904
.. ~~....
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ALL THAT CERTAIN piece or parcel of land situate in Middlesex
Township and North Middleton Township, Cumberland County,
Pennsylvania, and more particularly bounded and described as
follows to wit:
BHGIHHIBG at an iron pipe at th~ Southeast corner of the
intersection of Pine Avenue and Elm Avenue, which point is 270.6
feet East of the center line of Pennsylvania Route No. 34, and
which point i. South 68 degrees 40 minutes East, a distance of 50
feet from the Northeast corner of the lands owned now or formerly
by J. Eads, thence along the Southern line of Elm Avenue at right
angles to Route No. 34, South 51 degrees East, a distance of 240.00
feet to a iron piye, thence by lands af Mary A. Best, South 21
degrees East, a d stance of 344.02 feet to an iron pipe in the
center of a three foot wide unnamed stream I thence by the center of
said stream, south 49 degrees, 55 minutes west, a distance of 52.64
feet to an iron pipe in the center of said stream I thence by the
center of said stream, South 73 degrees West, a distance of 93.00
feet to an iron pipe also in the center of said stream I thence by
lands of Mary A. Best, North 51 degrees West, a distance of 476.25
feet to an iron pipe on the east line of pine Avenue, thence by the
east line of Pine Avsnue North 39 degrees East, a distance of 300
feet to an iron pipe, the place of beginning.
ALL 3.04 acres and being all of lots 33,34,35,36 and the majority
of Lot 37 together with the other lands as shown on an unrecorded
plot of lots titled "Plan No.2, Mountain View Terrace" prepared by
T. Elliott, Middletown, Registered Survey '1597.
BBIBG TUB SAMB PREMISBS which C. Cho and Kyong C. Cho, husband and
wife, by Virtue of Deed dated September 19, 1994 and recorded
September 23, 1994 and recorded in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania, in Deed Book 112,
Volume 218, an granted and conveyed unto Kathleen M. Dugan,
Mortgagor, herein..
IHPROVBMEHTS TUBRBON: Residential Dwelling
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2. On 02/11/97, a copy of the Notice of Sheriff's
Sale of Real property was sent to the defendant(s) listed below
by certified mail, return receipt requested, and regular mail.
I.ARRY SOWARD
KATHLEEN DUGAN
3. On 02/11/97, a copy of Notice of Sheriff's Sale of
Real property was sent to all parties in interest and Claimants
by certified mail, return receipt requested.
4. On 05/10/96, Act 6 Notices were sent to the Defendant(s)
by certified mail. On 05/10/96, Act 91 Notices were sent to
the Defendant(s) by certified mail.
Sworn to and Subscribed
"7 -+h
before me this 1'_ l:J -
day of .JJJJt.u..~_,
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USA ~.NN THOMAS
NaTAllY P\JBUC OF NEW JERSEY
C.mmltllon [Jplm n{4/2001
291/45904
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I al.o wish to receive the
'ollowing services (for an extra reel:
1. 0 Add,.....'. Add,.s.
2. 0 Rastricted Delivery
Consult postmaster '01 ree.
4a. Article Number
SENDER:
.~.,. t 1I'd/0l21Dt IdlSttOM ~
.Pt1tlt)QUl' NmI.....xIl'tII1ln brIWfM 01 thl, bm IIG It\al.. can IWCum 1hi' card
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.Mlchlhll form to "" InltC 01 u.~Oton lhebadl .....dOt,roe I*'IM-
.lht AM\lrn ~ WllIIItlOW to WfO" IM..bat.... ~ and lhl dale~.
P 962 503 052
HOUSEHOLD REALTY CORP.
510&-H JONESTOWN ROAD
COLONIAL COMMONS
HARRISBURG, PA 17112
4b, Service lYpe
)( CERTIFIED
7. Oat. 01 Delivery
6. Received By: (Prlnl Namel
8. Addressee's Andress
(ONLY If .'8qU8sted IJfICI fee paJd.1
Domestic Return Receipt
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GE Capital Mortgage Services Inc.
vs
Lorry Soward, Kathleen Dugan
In the Court of Common Pleas of
Cumberland County, Pcnnsylvania
Writ No, 96.5930 Civil Term
Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, says on April 4,
1997 at 2:00 o'clock P.M" E.S,T" he posted tlle property of Larry Soward, Kathleen Dugan at
2755 Spring Road, Carlisle, Cumberland County, Pennsylvania, with a copy of Real Estate Writ,
Notice Poster and Description according to law,
Kathy Carver. Deputy Sherill: who being duly sworn according to law, says on March 5, \997
at 8:50 o'clock A.M" E,S,T., he served true copies of Real Estate Writ, Notice and Description,
in the above entitled action upon one of the within named defendants, to wit: Lurry Soward by
making known unto Rachel Soward Adult Daughter of Larry Soward at 1834 Spring Road Apt.
C, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to her
personally the said true and attested copies of the same,
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he could not served
the Real Estate Poster as the defendant moved and left no forward address,
R, Thomas Kline, Sheriff, w ho being duly sworn according to law, says that he served Real
Estate Writ, Notice Poster and Description in the following manner: The Sheriff mailed one of
the within named defendants, to wit: Larry Soward a notice of the pendency of the action by
regular mail to his last known address at 1834 Spring Road Apt. C, Carlisle, Pennsylvania
170 I 3, This letter was mailed under the date of April 17 , 1997.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served Real
Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed one of
the within named defendants, to wit: Kathleen Dugan a notice of the pendency of the action by
certified mail marked DELIVERY GNL Y TO ADDRESSEE, to her last known address at 22 I
Camelot Arms Building #Z, York, Pennsylvania 17401, This letter was mailed under the date of
April 3, 1997 and was received on April 8, 1997 with return receipt card signed by Kathleen
Dugan,
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he made diligent
search and inquiry for one of the within named defendants, to wit: Kathleen Dugan but was
unable to locate them in his bailiwick, He therefore deputized the Sheriff of York County,
Pennsylvania to serve the within Real Estate Writ, Notice Poster and Description according to
law,
YORK COUNTY RETURN: Kathleen Dugan moved NOT FOUND, SO ANSWERS:
Chief Deputy James V. Varngrea Acting Sheriff for William M.Hose Sheriff.
York County return hereto attached,
R, Thomas Kline, Sheriff, who being du~y sworn according to law, says that he served Real
Estate Writ, Notice Poster and Description in the following manner: The Sheriff mailed one of
the within named defendants, to wit: Kathleen Dugan a notice of the pendency of the action by
regular mail to her last known address at 221 Camelot Arms Building #Z, York Pennsylvania
\740 \, This letter was ailed under the date of April 9, 1997 and was never returned to the
Sheriffs Office.
R. Thomas Kline, Sheriff, who being duly sworn accl'rding to law, says that after due
and legal notice had been given according to law, exposed the within described premises at
public venue or outcry at the Court House, Carlisle, CUI1'berland County, Pennsylvania, on June
REAL C'-;"
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un J.JJf;eLL"o ;{ 5'. 191'-5' the sherlH levied up~n tho d~fenCl2nl~
7l,....tL Ii h..t, a.tt,...... .7....,. cJ.,
interest In the real property situated In )) II L /" t {, J ~ J ~h,',,_
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Cumberland County, Pa,. lillO'Nfl ilnd numbered as:.??,' ,~- ~",.I"""" 121,
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__ _ _._ _ .:..l I Ij~l;t,;. jl.t1I~- hi~;_,; Il,l~.y VI L.:.f\ \oi ..."
this writ and by this rafor.:,nco Incorporated herein.
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,
MATTLEMAN, GREENBERG, SHMERELSON, WEINROTH , MILLER
BYI MICHAEL R. NESTOR, ESQUIRE
Attorney 10 '76429
Suite 2226 Land Title Building
Broad and Chestnut Streets
Philadelphia, PA 19110
Attorneys for Plaintiff
GE CAPITAL MORTGAGE SERVICES, INC. COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff
VS.
NO. I 1996-05930
LARRY SOWARD AND
KATHLEEN DUGAN
Defsndant(s)
NOTICE OF SHERIFF'S SALE
OF REAL PROPERTY PURSUANT
TO PENNSYLVANIA RULE OF
CIVIL PROCEDURE 3129
TAltB NOTICEI
Your house (real estate) at 2755 Spring Road, Carlisle, PA
17013 is scheduled to be sold at Sheriff's Sale on June 4, 1997, at
10100am in the Cumberland County Courthouse, South Hanover Street,
Carlisle, PA 17013 to enforce the Court Judgment of $115,706.84
obtained by GE Capital Mortgage Services, Inc.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action I
1. The Sale will be cancelled if you par to Michael R.
Nestor, Attorney for GE Capital Mortgage Serv ces, Inc, back
payments, late charges, costs and reasonable attorneys fees due.
To find out how much you must pay, you may call Michael R. Nestor
at 215-923-2225.
2. You may be able to stop the Sale by filing a petition
asking the court to strike or open the Judgment, if the Judgment
was improperly entered. You may also ask the Court to postpone the
Sale for good cause.
3. You may also be able to stop the Sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
Sale. (See Notice on page two and how to obtain an attorney).
___..-S-
YOU MAY STILL BE ABLB TO SAVE YOUR PROPBRTY AND YOU DAVE OTUBR
RIGHTS BVEN IP TUB SBBRIPF'S SALE DOES TAKE PLACB.
l-
be sold
calling
If the Sheriff's Sale is not stopped, your propertr will
to the highest bidder. You may find out the bid pr ce by
Michael R. Nestor at 215-923-2225.
2. You may be able to petition the Court to set aside the
Sale if the bid price was grossly inadequate compared to the market
value of your property.
3. The Sale will go through only if the Buyer pay. the
Sheriff the full amount due on the Sale. To find out if this has
happened you may call Michael R. Nestor at 215-923-2225.
4. If the amount due from the Buyer is not paid to the
Sheriff, you will remain the owner of the property as if the Sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a Deed to
the Buyer. At that time, the Buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was paid
for your house. A Schedule of distribution of the money bid for
your house will be filed by the Sheriff on July 6, 1997. This
schedule will state who will be receiving that money. The money
will be paid out in accordance with this schedule unless exceptions
(reasons why the proposed distribution i6 wrong) are filed with the
Sheriff within ten (10) days after.
7. ~ou may also have other rights and defenses, or ways of
getting your house back, if you act immediatel~ after the Sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IP YOU DO NOT
DAVE A LAWYER OR CANNOT APFORD ONE, GO TO OR TELEPHONE TUB Ol!'PICE
LISTED BBLOW TO FIND OUT WBBRB YOU CAN GET LEGAL UBLP.
Cumberland County Court Administrator
4th Floor
Cumberland County Courthouse
717/240-6200
291/45904
... ~..-
-
"-
.
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~
ALL TBA'l' CBRTAIN piece or parcel of land situate in Middlesex
Township and North Middleton 'l'ownship, Cumberland County,
penn.ylvania, and more particularly bounded and described as
follows to witl
BBGIHNIBG at an iron pipe at the Southeast corner of the
intersection of Pine Avenue and Blm Avenue, which point is 270.6
feet Bast of the center line of Pennsylvania Route No. 34, and
which point is South 68 degrees 40 minutes Bast, a distance of 50
feet from the Northeast corner of the lands owned now or formerly
by J. Ead., thence along the Southern line of Blm Avenue at right
angles to Route No. 34, South 51 degrees Bast, a distance of 240.00
feet to a iron pipe, thence by lands of Mary A. Best, South 21
degrees East, a distance of 344.02 feet to an iron pipe in the
center of a three foot wide unnamed stream, thence by the center of
said stream, south 49 degrees, 55 minutes west, a distance of 52.64
feet to an iron pipe in the center of said stream, thence by the
center of said stream, South 73 degrees West, a distance of 93.00
feet to an iron pips also in the center of said stream, thence by
lands of Mary A. Best, North 51 degrees West, a distance of 476.25
feet to an iron pipe on the east line of Pine Avenue, thence by the
east line of Pine Avenue North 39 degress Bast, a distance of 300
feet to an iron pipe, the place of beginning.
ALL 3.04 acres and being all of lots 33,34,35,36 and the majority
of Lot 37 together with the other lands as shown on an unrecorded
plot of lots tl.t1ed "Plan No.2, Mountain View 'l'errace" prepared by
T. Elliott, Middletown, Registered Survey '1597.
BBIBG 'l'BB SAME PRBMlSBS which C. Cho and Kyong C. Cho, husband and
wife, by Virtue of Deed dated September 19, 1994 and recorded
September 23, 1994 and recorded in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania, in Deed Book 112,
Volume 218, an granted and conveyed unto Kathleen M. Dugan,
Mortgagor, herein.
rMPROVBMBHTS THEREON: Residential Dwelling
r -....'"
'-
~
.
..
JIA'J."l'T.1U'IUI, GRBB!lBBRG, SBMBRBLSON, WBIHROTB , HILLER
BY. KICBABL R. JllBSTOR, BSQUIRE
~RHBY ID NO. 76429
SUITB 2226 LAND TITLB BUILDING
BROAD , CBBSTH1JT S'l'RBB"rS
PBILADBLPBIA, PA 19110
215/923-2225
Attorney for Plaintiff
GB CAPITAL MOR'l'GAGB SBRVICBS, INC. COURT OF COMMON PLBAS
ClJHBBRLIUID COtlH'l'Y
Plaintiff
NO. 1996-05930
VB.
LARRY SOWARD AND
KATBLBBH DUGAN
Defendant
AFFIDAVIT PURSUANT TO RDLB 3129.1
COMKOHWBALTB OF PBHHSYLVAliTIA .
COUNTY OF PBILADBLPBIA .
. GB CAPITAL MORTGAGB SERVICBS, rHC., Plaintiff in the above
entitled cause of action, sets forth as of the date the praecipe
for the writ of execution wall filed the following information
concerning the real property located at 2755 Spring Road, Carlisle,
PA 17013.
1. Name and address of OWner(s) or Reputed OWner(s).
Kathleen Dugan
221 Camelot Arms Building 'Z
York, PA 17013
2. Name and address of Defendant(s) in the Judgmentl
Larry Soward
2755 Spring Road
Carlisle, PA 17013
Kathleen Dugan
221 Camelot Arms Building 'Z
York, PA 17013
3. Name and address of every judgment creditor whose
judgment is a record lien on the real property to be Boldl
GE Capital Mortgage Services, Inc.
(Plaintiff herein)
625 Merryville Centre Drive
St. Louis, MO 63141-5834
'-
Proof of Puhlicatlon of Notlte In The Patriot and The Evening News
and The Sunday Patriot-News
UDde. Ad II... lilT. "rproTecl Mef Ie, une,
CommMJw,alt" 01 P,,,,,,ulvania, }
Co'mly 01 nal/p~in ..:
.............................!:!.~,g,I:\!!,~.+....~,'?!:I~.!'I.............,............belnIf duly sworn according to law. deposes and says:
Asst. controller
That he Is the .....................,..,...of THE PATRIOT. NEWS CO., a corporation organized and exlstlnlr
under the law. of the Commonwealth of Pennsl'lvanla. with its principal office and place of bU81nes8 at
812 to 818 Market Street, in the City of Harrl.burg. County of Dauphin, State of Pennsylvania. owner
and publlaher of THE PATRIOT and THE EV.;NING NEWS and the SUNDAY PATRIOT.NEWS
new.papera of aeneral circulation. printed and published at 812 to 818 Market Street. In the City,
County and State aforesaid; that THE PATRIOT and THE EVENING NEWS and the SUNDAY
PATRIOT. NEWS were established March 4th. 1854, and .'ebruary 15th. 1917 and September 18th.
1949. respectively. and all have been continuously published ever since;
That the printed notice or publication which Is securely attached hereto Is exactly a8 printed and
Metro W~st 29th day of April and
published In their regular !idlllons ami Issues which appeared on the ..........................................................
the 6th and 13th days of May 1997.
........................................................................................................................................................................................
~...J:\~........daY of
T'/lfC:~ . .. "".. ic.." i.1:?f.::.?(........
HIiTtsIluIg, Dauphin aunl, Nolalil P~;;lia
My co M omml pI,uJune 6.1!l911, .................
Stateme;i-;rAilYe;'Wng Costs
C;Mml:1!?!:.M:I.!).(:L~.'?M!).j;Y....~!!.~,I::!.f..f~..,9.~,g~.~..
Carlisle, PA. 17013
..........................................................,.......................
To THE PATRIOT.NEWS CO,. Dr,
For publishing the notice or publication attached hereto on the
235.99
above stated dates. . . . $........,......1';'0.6'..
Probating some $..............,.............
Total $....,..,3}.~..~.~,L
..................,
Publisher's Receipt for Advertising Costs
THE PATRIOT-NEWS CO.. publisher of TilE PATRIOT and THE EVENING NEWS and the
SUNDA Y PATRIOT.NEWS, newspapers of general circulation, hereby acknowledge receIpt of the
aforesaid notice and publication costs and certifies that the some have been duly paid,
TilE PATRlOT.NEWS CO.
By ....................................................................................,
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY
CIVIL ACTION
GE CAPITAL MORTGAGE SERVICES, INC.
Plaintiff
VB.
LARRY SOWARD and KATHLEEN DUGAN
Defendants
NO.: 1996-05930
ASSIGNMENT OF BID RIGHTS UNDER
SHERIFF'S EXECUTION SALE
Michael R. Nestor, Esquire herein called Assignor, for and in consideration
of the sum of $1.00, receipt of which is hereby acknowledged, does hereby
sell, assign, transfer and set over unto NORWEST MORTGAGE, INC. all of its
right, title and interest in and to the property more fully described in the
list attached hereto, made a part hereof and marked Exhibit "A" under the bid
knocked down to Assignor at the execution sale in the Court of Common Pleas
of Cumberland County, Pennsylvania on June 4, 1997 in the above captioned
proceedings.
, :<: it;.
O'Connell, Esquire for
Nestor, Esquire
I hereby certify that the address of
of the assignee is 405 Southwest 5th St.
Des Moipes, IA 50309
,
----;:;;C, '''J-~((".r'~D),..)(e/
Marissa O'Connell, Esquire for
/ Michael Nestor, Esquire
STATE OF NEW JERSEY
COUNTY OF CAMDEN
On the 2nd day of July 1997, before me Lisa A. Thomas, the undersigned
officer, personally appeared Michael Nestor, Esquire, known to me to be the
person whose name subscribed to the within instrument, and acknowledged that
he executed the same for the purposes therein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
~() .
\ lLJLc.({'vHffMO/)
.
USA ANN THOMAS
NOTARY PUBLIC OF NEW JERSEY
Commlulon Expllll 12f'/.JOl
..
:'b/
/
ALL THAT CBRTAIN piece or parcel of land dtuate in Middlesex
Township and North Middleton Township, Cumberland County,
Pennsylvania, and more particularly bounded and described as
follows to wit:
BBGINNING at an iron pipe at the Southeast corner of the
intersection of Pine Avenue and Elm Avenue, which point is 270.6
feet East of the center line of Pennsylvania Route No. 34, and
which point is South 68 degrees 40 minutes East, a distance of 50
feet from the Northeast corner of the lands owned now or formerly
by J. Eads, thence along the Southern line of Blm Avenue at right
angles to Route No. 34, South 51 degrees East, a distance of 240.00
feet to a iron pipe, thence by lands of Mary A. Best South 21
degrees East, a distance of 344.02 feet to an iron pipe in the
center of a three foot wide unnamed stream, thence by the center of
said stream, south 49 degrees, 55 minutes west, a distance of 52.64
feet to an iron pipe in the center of said stream, thence by the
center of said stream, South 73 degrees West, a distance of 93.00
feet to an iron pipe also in the center of said stream, thence by
lands of Mary A. Best, North 51 degrees West, a distance of 476.25
feet to an iron pipe on the east line of Pine Avenue/ thence by the
east line of Pine Avenue North 39 degrees East, a distance of 300
feet to an iron pipe, the place of beginning.
ALL 3.04 acres and being all of lots 33,34,35,36 and the majority
of Lot 37 together with the other lands as shown on an unrecorded
plot of lots titled "Plan No.2, Mountain View Terrace" prepared by
T. Elliott, Middletown, Registered Survey '1597.
BBING THE SAME PREMISBS which C. Cho and Kyong C. Cho, husband and
wife, by virtue of Deed dated September 19, 1994 and recorded
September 23, 1994 and recorded in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania, in Deed Book 112,
Volume 218, an granted and conveyed unto Kathleen M. Dugan,
Mortgagor, herein.
IHPRO~~S TBBREON: Residential Dwelling
I'"
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$1,000,00 Advance Costs Paid
Assessed Valuation $ 7 .050.00
WRITr-;O,
REAL ESTATE SALE NO 8
2-25-97 Atty. Michael R. Nestor
96-5930 Civil Term
GE Capital Mortgage Servies Inc.
VS
Larry SOooIard, Kathleen Dugan
2755 Spring Road, Carlisle, Pa.
REAL DEBT
INTEREST
A TT'S FEES
WRIT COSTS A TTY
ESCROW
LATE CHARGE
SHERIFF'S COSTS
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
County
Mileage
Cert Mail
Levy
Postpone Sale
Surcharge
York Co.
Legal Search
ADVERTISING:
Law Journal
Patriot
Share of Bills
Distribution of Proceeds
Sheriff s Deeds
STAMPS
Pa. Transfer Tax
T\\'p or Bora Transfer Tax
TAXES
CO. Twp & Lib
115,706.84
2,700.84
154.58
30.00
15.50
15.00
15.00
30.00
10.00
.50
1.00
6.20
8.90
15.00
6.00
18.48
293.75
236.99
28.83
25.00
24.50
267.91