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Home My WebLink About97-01397 c., 0-. .~ .. :I ~ t'- ~ ~ , t' ~ . ~. ( ~ . . mortgage contains and is a lien upon the property situate at 221 Old Slate Road, Dickinson Township, Cumberland County, Carlisle, Pennsylvania 17324. 4. A copy of the Note is attached hereto and incorporatcd herein as Exhibit "B" 5. Plaintiff, in consideration of the said Mortgage and Note advanced to James R. Crist and Vicki S. Crist the sum of One Hundred Thirty Two Thousand Dollars ($132,000.00). 6. The premises subject to said mortgage is more specifically set forth in Exhibit "A". 7. James R. Crist and Vicki S. Crist are the sole owners of the said premises securing said mortgage. Allegedly, Vicki S. Crist is living in the house with her present husband. 8. Said Mortgage has not been assigned in whole or in part by the Plaintiff herein. 9. No judgment has previously been entered on said Mortgage in any jurisdiction, and said instrument is less than twenty (20) years old. 10. That said Mortgage is in default because Defendants herein have failed to make the following payments: a partial payment of$976,21 for July, 1996 and payments of$I,094,58 for the months of August, September, October, November, December, 1996, January and February, 1997 plus late charges in the amount of $267.42. 11. The Plaintiff has given to the Defendants wriuen notice of intention to foreclose on said Mortgage as required by law under Act 6, dated November I, 1996, a copy of which is aUached hereto and incorporated herein as Exhibit "C". 12. The Plaintiff has given wriuen notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November I, 1996 a copy of which is auached hereto and incorporated herein as Exhibit "D". 13. That due to Defendants' default the entire principal amount of One Hundred Twenty Nine . . HonERr P. ZIEGLER RECOllDEIl OF DEEDS CUMIJERLAllD COUNTY- PA . '93 RUG 31 Prl ~ .07 - . (Spice "bon This Unr for Reco,dinl 0.1.) OPEtfdYt f~rl~f~TION TillS MORTGAGE ("Security IlIslrumellt") is given on .....lt~9.!H!,t....~.!L......................................................... 19..93... The morlgagor is .James...R....Cr.is.t...anJ:l,..\l.j"t;;~i...~.....,C.+.A..:?!;.................................,....,.................... ("'I ") Th' S '1' t I" I First Federal ........'............'............'....................................Y'T IIrr~wer. IS ecun~ nl rllrnen IS glvCII ".................................... .~!!.yJ.!!Il.!\..!!.I.1LJ.'~r.I)...t!!!.!\!?I;J!!.tt!?!!...~..,...!!!E.:.~~,..';!:.!1.,....'!...!:.'.'.:.r.,'.',..!!.~,..~!!..........2 which is organiled and exisling under Ihe laws or ..,:!:.).<<;!...y.l).g.'!.~...1i.~.!!.t<<;!.!!...(!.f...~.'!!!1r.J.S!!.......... and whose address is ....~~.J~!!rlh...~.!1g9.tl~...~~I:.~.!1.t .I.!n.J;'.r.~Ii.J.\\IJ:g.....J?\lnJ)."'.y.lY.lln.t.ll........................................,....................................................................Ii......(..lender..). narrower owes lender Ihe principal sum or .....One...H.uT.ldJ:.~!;1...'.l'.l1.j,;r;:!;.y....1.w.g...1.!).9.~.l1!~.mL1....F..~~...!I\!.r:!~~,ed ..and...{)o/.l{)O-------------'Oollars (U,s. S.1.3.2.~.3.0.0...QO.......). This debt is evidenced by norrower's nole dated Ihe same dale as Ihis SecuritMtnslrumen~b~~te..). which providcs ror monlhly paymenls. with Ihcrull debl. ir not paid earlier, due and payable on .......~.y.....1.,...........................,...................................,.................. This Securily Inslrumenl securcs 10 lender: (a) the repayment or Ihe deb I evidenced by the NOle. with inleresl. and all renewals, eXlensions and modifiealions; (b) Ihe paymenl or all olher slim.. with interesl. advanced ullder paragraph 7 10 prolocllhe Nl'Curily orlhis Securily 11Islrumenl; and (c) Ihe perrormallec or narrower'. eovenanls and agreemellls IIl1der Ihis SecurilY IlIslrumellland Ihe NOle. For thiN purpose. norrower docs hereby morlgage. granl and convey 10 lender Ihe rollowing dcscribed properly loealed in Cumbe.r land....... .......... ............... ............................... ................... ............................... Counl Y. I'ennsyl vania: See Legal Description Attached hereto as Exhibit A and made a part hereof. which has Ihe address IIr ..Lo.t...6.....01d...State...Ro.ad.............................. .......... ..........Ga rd,!!.!u:.l1!................... 1Slr"ell ICily) I'ennsylvania ...........1.:7.3.2.4............................... ("l'roperIY Addre....); 110p Code' TOGETIIER Willi all Ihe improvemellls nllw or herearter erecled Oil Ihc p"'perly. alld all e:I\emellls. righls. appUrlenances, renls, rUYllllic!lot mincrnl, oil and gtl~ rights nnd profils. w:llcr righls lllld stock tUld nil lixlures now or herearter a part orlhe property. All replacemenls and addilion. sh..1I al.n be eovcred by Ihis SecurilY In.lrumenl. All orlhe roregoing is rererred 10 in this SecurilY Inmumelll as Ihe "1'roperIY." nOR ROWER COVENANTS Ihal' norrower is lawrully seised or Ihe eslale hereby conveyed and has Ihe right 10 mortgage. granl and convey Ihe ProperlY and Ihal Ihe I'roperly i. unellcumbered. excepl ror encumbrances or record. narrower warranls and will derend generally Ihe lille 10 the Property again'l all claims and demands. subject 10 any encumbrances or record. TillS SECURITY INSTRUMENT combines unirorm covenants ror nalional use and non.unirorm eovenanls with limited varialions by jurisdielion III cOllstilule a unirorm securily inSlrumCnl covering real properlY. PENNSYLVANIA-Slngl. ramily-FNMAlFHLMC UNIFORM INSTRUMENT ~l1'jl 1.1 (;t I'f.[.r Fo,m 3039 12/83 8:J "-- '--'--~---~-'-'-- - .._"" ... ------ -_."--~ - ALL THAT CERTAIN tract, situate in Dickinson Township, in the County of Cumberland, Commonwealth of pennsylvania, bounded and described as follows: BEGINNING at a point in the centerline of Old state Road (T- 522) on the dividing line between land now or formerly of Donald E. Bream and Lot No. 6 on the hereinafter mentioned Subdivision Plan; thence by centerline of said road by a curve to the right with a radius of 475.00 feet an arc distance of 128.264 feet to a point; thence continuing by the centerline of said road by the following courses and distances: South 20 degrees 39 minutes 20 seconds West, 127.88 feet to a point; South 29 degrees 37 minutes 34 seconds West, 92.91 feet to a concrete monument set; and South 29 degrees 37 minutes 34 seconds West, 90.00 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 7 as shown on said Plan North 60 degrees 22 minutes 26 seconds West, 288.16 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 9 North 24 degrees 40 minutes 59 seconds East, 215.80 feet to a concrete monument set: thence by land now or formerly of Donald E. Bream and Lot No. 6 South 78 degrees 33 minutes 33 seconds East, 301.90 feet to a point the place of BEGINNING. CONTAINING 1.8010 acres, including the portion of said premises under and subject to the dedicated right-of-way for Old State Road (T-522); and being Lot No.6 on a Subdivision Plan for Michaux Meadows, Phase II, as recorded in the Office of the Recorder of Deeds in and for Cumberland county, Pennsylvania, in Plan Book 64, Page 42. BEING the same property which Karl E. Sowers, Gloria M. Sowers, Lynn E. Sowers, Martha G. Sowers, Leona S. Chronister, Chester Chronister, Roger E. Sowers, and Lois Sowers by deed dated August L' , 1993 and to be recorded in the Office of the Recorder --.- of Deeds ~n and for Cumberland County, Pennsylvania simultaneously herewith, granted and conveyed unto James R. Crist and vicki S. Crist. SUBJECT, HOWEVER, to the protective covenants recorded with said Final Subdivision Plan for Michaux Meadows and as set forth in the above-referenced Deed. ... ~... ~~f~~' . ". \",\:.11;8- ':~'. .~fi',,"':..\ ".""(1 , .';iC.~~~~~~~t'{.n :J:'..(. ..- .t. ~x '.,~""'\' ~."'.t. ~:. "'" . . f/&.<:.'..... ...,.......:'.\ (..11...., ......-(... . ;"-"'~'~;1'"''''''''''1''\''' '. ; .... {I.f (~,:...,. . ~''''';\', . .. ,A" . ,.i':"}:"'~V" .,., . ; (.o;~Q\'i~'C:-.J:;";J!~" ~~\;'l' '.. . ........\1(" ~.,=;>o,./~ . ," ", 'I' ., ..;........'. '~~' '';'!'~'<U, , O.4....,l\' .jb.:," , ,'i',: '. r c::.' ,'''-' u ......,..r... ~'''' " .,I:~'~ ~~.- - '~h-1i(::::. 'tJi"'",~.-'t. ' .,,-,Jd~""~ ''W:~B'''- ". .' i..,..............~,. ',. 1,.:' ,~ \ '.,.~::&.;;' ..~ . ~"IIo,.. ,-... ~'r I I } . ,. ,or r,.,nn~y von . ',' ,.; Cumborlnnd SS . '" :00 (ltfiel'" for the recording of 0lI1da .L . ..:' :)'1 Cjl",..'I<"end Cou'l11d"L l'^I) '. -:.!i.L V~_ Pa~..1- .' ',' \'I',',~" ~i"Jlof~" n,? . ,1'1, nr:'t- dayo#-~ 1~ bOOK 1 t G1 I'm 93 lINII'IlKl-I CllVl'lI^NlS. lIurruwer IInu Lenuer eu.ennnlullu ugree II' fulluw" .. t. Paymenl of I'rlnclpal and Inlerest; I'repayment and l.ule CharMes. lIurruwer ,hllll prnmplly pill' when uue Ihe principal ufunu inleresl onlhe uebl ..iueneeu hy the Nule III1U uny prepllymenl unu laIC ehllrge' uue under Ihe NOle. 2. Funds for Taxes and Insurance. Suhjeellu upplicllhle law or lu u wrillen wlli.er h)' l.enuer. lIurrower ,hllll Pill' 10 l.enuer onlhe uay monlhly puymenl' ure uue ulluer Ihe Nnle. unlillhe NlIle i, pllid in full, a ,nm ("Funu,") equllllo one.lwelrth of: (u) yearly laAe, anu ("se.,ments which 11I11)' III111in priorilY m'er Ihi. SeeorilY In,lrulllenl: (h) yellrl)' Iea,ehold pll)'menl. or grnund relll' on Ihe I'rnperl)', if III1Y: (c) yellrl)' h",""j in,urance prcmium\: IInu (d) )'ellrly mnrtgage: ill\UraIlCC: Jlrcll1iullt~, irull)'. "he~c ilcm\ arc cilllcd IOc\crnw ilcll1!1o," I.ender limy C\timillc the Funds due on the hu!rti\ urcurrcnl dula and rc,,,cmahlc c\limatc\ IIrrulurc e,en I", item" The Flllld,,11II1I be held in IIn in.lilulinnlhe depmil. ur IIecllnnl. of which lire In,ureu ur gUllrallleed b)' a federal or slale agenc)' (illcluding l.ender if Lender i. such (III in5lilulilln), Lellder shllll IIpply Ihe Fnllu, III pill' Ihe esernw ilem', Lender may nlll churge for 11l1lding IInd npplying Ihe Fund" (lI1alY/illg Ihe neellunl or .erifying Ihe e'crnw ilem., IlI1le" Lender pUY' lIorrnwer inlere.1 on Ihe Funus nnd ul'plienble law permil' Lellder III mllke ,ue!, II ehllrge, IInr~lIwer IInd Lender may agree in writing Ihal inlere,1 shllll be pllid on Ihe FUlld,. Unle" IIn ngreemenl " mllde lIr npphcahle IIIW requires inlereSll1l be paid, Lender shnllnol be required 10 PllY 1I0rrnwer IIny inlereslllr earnings IIn Ihe Fund.. Lender shall gi.e 10 1I0rrower. wilhuul ehnrge. nn annualaeeonnling IIflhe Fund, showing eredil' IInd debils 10 Ihe Funus nnd Ihe purpose for which each debillo Ihe Funds WIIS mnde. The Funds arc pledged a. IIddilillnlll seenrity for Ihe sums secured by Ihis Security Inslrumenl. Iflhe IImount of Ihe Funds held hy Lender, togelher with Ihe fulure mOlllhly pay men Is of Fund. payahle prillr 10 Ihe due dale' lIf Ihe e.ernw items. shall eAeeed Ihe nmount required tll pay Ihe esernw ilems when due, Ihe excess shall he, al Uorrower'. oplion, either promplly repaid 10 Uorrower or erediled 10 1I0rrower on mllnlhl)' pllymenls of Fund., If Ihe amount of the Funds held by Lenuer is not sufficienllo pill' Ihe escrow ilems when due, 1I0rrower shllll pay lu Lender any amounlneeessllry lu mllke up Ihe deficiency in olle or more paymenls as required by Lender, lIplln pllymenl in fullllf 1111 sums secured hy Ihis SecurilY Inslrumcnl, l.cnder shllll prllll1plly refund 10 1I11rrnwer IIny Funus helu hy l.cmler. If under pllragraph II) Ihc Prllpcrly is suld ur IIequired hy Lcnder, Lender shllllllpply. nlllaler limn inlllledilllely prim 10 Ihe sllle lIf Ihe I'rnperly or ils (IC1luisiliun hy Lender, IIny Fund, held by Lender ntlhe lime of appliealiun n, n eredilllgninsllhe sum. secured by Ihi. Securily Instrumenl. J. Application of Payments. Unles.~ applicllblc law provides olherwise, all paymenls receivcd by Lellder under paragraphs I and 2 should he applied: first to mnounls payahle under paragraph 2; second to interest; and last to principal. 4. Charges; l.Iens. Uorrower shall pay 1111 laxc.~, assessmenl., charges, fines and impositions allribulable 10 the Properly which may allain priority over Ihis Seeurily Inslrumenl. IInd lellse. old paymenls or ground renls, if any. Uorrllwer .hall pay Ihc:sc oblignlions in the mllnller provided in paragraph 2, or ifnol paid in Ihal manner, 1I0rrower shall pay Ihem lInlime direelly 10 Ihe perslln IIwed pllymen!. lIorrower shllll prmnplly furni.h III Lellder allllolicc., ofamounls 10 be paid under Ihis paragraph. If lIurrower makes Ihe.e paymellls direelly, Uorrower shall promplly furnish 10 Lender reecipl' e.idellcing Ihe pay mellIs, 1I0rrower shall prom pill' discharge any Iiell which hll. prillrily Iwcr Ihi. Seeurily IlIslrumenl ullless Uormwer: (a) agree", in writing to Ihe paymenl oflhe ohligation secured by Ihe lien in II maOller aceeplable 10 Lender; (h) eonle"s in good faith the lien by, or defends agllinsl enforcemenl of Ihe liell in, legal proceeding. which in Ihc Lender's opinion operale 10 prevenl Ihe enforcement of Ihe lien or forfdlure of lmy p(lrlof Ihe I'roperly: or (c) secures fmm Ihe holder of Ihe lien an agreemenl sati,faclory 10 Lender.subordinaling Ihe lien Inlhi. Seeurily In.lromen!. If Leuder delermine'5 thai lUll' pari of Ihe Properl)' is subjeello II lien whkh may allllin priority o.er Ihis Sceurily Inslrumenl, Lender may give Uorrower a nOlice idenlifying Ihe lien. 1I0rrower shall satisfy Ihe lien or lake one or more of Ihe aelion. sel forlh ablwe wilhin 10 dllYs oflne giving ornoliee. S. lIazard tnsuranee. 1I0rrower shall keep lhe impnwemellls now eAisling or hereaner ereeled on Ihe Pmperty insured again" loss by fire, hazards included wilhin Ihe lerm "eAleruled eovernge" IInd any olher halards for which Lellder reqoires insurance. This insurauee .hnll be mainlained in Ihe amounls and for Ihe periods that Lender requires. The insurance carrier pro.iding Ihe insurance .hall he chosen by 1I0rmwer sohjeel 10 Lender's approval which .hall nol be unrellsonahly wilhheld, All in.urance policies IIud renewals shall he aeceplable 10 Lenuer and shllll include a slandard morlgage clause. Lenuer shall h:we Ihe right 10 hold the policies and renewal., If Lender requires, 1I0rrower shallpmmplly give tu Lender all re\'clpls of paid premiums IIml rcnewal nOlices, In Ihe c.cnl of loss. Borrower shall gi.e promplllolice 10 the insurllnee carrier alllll.emler. Lenuer mllY make proof orloss if nol made prom pIll' hy 1I0rrower. Unless Lender and 1I0rrower olhcrwise agree in wriling, in.umnec pruceeds shall be IIpplicd 10 restoraliun or repair of Ihe Propcrly damaged. if Ihe re.loralion or repair is economically feasible allu Lellder's security is nol lessened. If Ihe resloralion nr repair is nol eeonomiclllly feasible nr Lender's seeurilY would be k",scned, the insurance proceed. shall be: applkd hI Ihe sums .ecnred hy Ihis Sccurity Inslnunenl, whclher nr nol Ihen due, wilh uny cxee,,"' paid 10 Oorrower. If Uurruwcr ahalnlun, Ihc I'ruperl)'. ur Ihl<:s uol an,wcr wilhin .1U day' a nulicc frnm Lendcr Ihallhe iu,urauce carrier has alTered 10 sellle a claim, Iheu Lender may eullecllhe in.umnee procecd.. Lender may u.e Ihe proceeds 10 repair or re'Slore Ihe Properly or 10 pay sums .ecured hy this Securily In.lrument. whelher or nOllhen due. The JO.day period will begin whelllhe nul ice is giveu, Unless Lender IIud Uorrower olherwise agree in wriling. allY applicalioll of proceeds 10 priucipal shall uol ex lend or poslpone Ihe due dale oflhe monlhly payment. referred 10 in paragraphs I and 2 nr ehllnge Ihe amounl of the pnyments. If unuer paragraph 191he "roperl)' i. acquired by Lender, Ilorruwer's right 10 nny insurance policies alld proceeds resulling from dnmage 10 Ihe I'roperly prior 10 Ihe acqUisition shall pass 10 Lender 10 Ihe eAlenl oflhe sum. .ecured by Ihis Security In~lrUt11cnl immediately prinr 10 lhe acqui~ilion. 6. I'resenatlon and Maintenance of I'roperly; I.easeholds. Borrower shall not deslro)'. damage or subslanlially change Ihe Prnpcrly. IIl10w Ihe I'roperly 10 delcriurate ur commil wllsle. If Ihis Seeurily Instrument is ou a leasehold, Uorruwer .hllll comply wilh Ihe prnvisions oflhe lease. auu if Borruwer acquires fee lille to Ihe "roperly,lhe leasehold and fee litle \halllUll merge unlc\\ l.cl1uer ilgrcc~ In Ihe merger in wrilinR. 7. Protection of Lender's RIMbls In the Property; MortMa~e Insurance. If Uorrower fails 10 perform Ihe cO\lcl1ilnl' illlO agreen,,:n., cUllIall1cd in Ihi, SCl.:uril)' In,lrul11cnl. I.r lhere i\ all'gill prncccding Ihill may \ignifh:allll)' nfTccl Lender's nghl' in Ihe Pruperly (.ueh n. II proceeding in hllnkruplcy, prob.le, for conuemllalion nr 10 enfnree laws or regulalion').lhen Lenuer may do anu pal' for whllle"cr i, necessary 10 prolecllhe .alue of the l'roperlY and Lender's righls in Ihe I'roperly. Lender's IIclion. mn)' include paying IIny ,ums secured by a lien which has priorily Iwer this Security Inslrumelll, appearing in euurl, pllying reaSlIlH,hle allorneys' fees and enlering on Ihe I'roperty 10 make rcpairs. Allhough Lender ma)'IIIke uclion nnder Ihi. parugmph 7, Lenuer doc, nol have 10 do so. . An)' l"'UlunlS disbursed by Lender ulluer Ihi. pamllmph 7 shall becomc lIIldilillllal debl ofUorrower secured by Ihis Seeumy In'lrumell!. Unle.. Uorrowcr IInu Lender (Igree 10 olher lerms ofpa)'mcnl. Ihese amouuls shall bear intercsl from Ihe dllle \If di,hursemenl ul Ihe Nule mle and shall he pa)'ahle, wilh i.lleresl. upun notice from Lender 10 Oorrower "queslillg paymenl. --' t1611'AGt 9U &ODK ,. .' .. . Jr Lender requiml murtguge insnrance us u condilion of mnking Ihe loun secured by Ihi~ Securily Inslrumenl, nurroll'er shull puy Ihe prcmiums rcquircd 10 mninlnin Ihe insurnnce iu effeel uulil such lime os Ihe requiremenl for Ih. insurance lerminnlcs in nccordunee wilh Borrower's nnd Lemler'. wrillen ngrcemenlor lIpplieuhle h,w, 8, In.peetlun. Lender or i1s agenl may make rell,ollable enlries upuullnd i1"peelions of Ihe "ropelly. Lender shall give Burrower nnllee allhe lime of or prior 10 1111 inspecliun specirying reasonable elluse ror Ihe inspeelion. 9, Condemnation. The proceeds or lIny lIwllrd ur cllIim fur dalllllges, direelor eunsequelllilll, in eonneelion wilh any eondemnolion or otlter lakiug uf lIny parlOr Ihe ProperlY, or for eOllvcyunee in lieu or condemnulion, ure hereby assigned nnd shall be paid 10 Lender. In Ihe ewnl or a lulallaking or Ihe l'ropellY, Ihc proceeds shall he lIrrlied lolhe sums ,eeured hy Ihis Seeurily In,lrumenl, whelher or m"lhell due, wilh any e.ee" pailllU Borrower. In Ihe evenl of a parlinllaking of Ihe "mrerlY, un Ie" Borrowcr und Lender olherwise ngree in wriling, Ihe sums sceured hy Ihis Security In,lrumenl shnll be reduced by Ihe umounl of Ihe proceed. multiplied hy Ihe following frnelioll: (a) Ihe IUla' umoulllof Ihe sum. secured immediulcly berore Ihe laking, divided by (b) the rair murkel value of Ihc "mperly immedilllcly before Ihe 11Ikillg. Any balunee ,hllll he paid 10 Burrower. If thc Pruperty is abandoncd by BorrulI'er, ur if, oflcr noliee hy Leodcr 10 Borrower Ihullhe condemnor offe" 10 muke un aword or sell Ie a clnim for damage~. Burrnwcr fnils In res(lllllll to Lemler wilhin JO days aflcr Ihc dalc Ihe m'liee is givcn. I.cnder is aUlhorited 10 eollcelllmlnpply Ihe (lmcecds, al ii, orlion, either 10 resloralilln IIr rerair IIrlhe \'ropcllY IIr 10 Ihe sumssccured hy Ihis Securily Inslrumenl, whether ur nollhen due. Unless Lender and narrower olherwise agree in wriling, any npplicnlion orprocecds IU prindpal shall nOI e..end or poslpone Ihe due dale ofthc monlhly paymenls referred 10 in puragra(lhs I and 20r chunge the amounl of such (laymen IS. 10, Ilorruwer Nol Released; Forbearance Ily 1.ender NlIl a Waiver, E.leusion of Ihc lime fllr (laymen I ur modificulion or ;mlllrlitution of Ihe sums secured hy Ihis SeeurilY IlIstrumenl glllllled by Leuder hl 'lilY sueCI'Ssor in inlere~1 III' Ilorrower shall nolo(!Craleto release theliahililY or Ihe originalllorrower or Ilurrower's sueeessurs in inlerl'Sl. Lender shall nol he required 10 commence proceedings lIgainsl any sueeeSSllT in Inleresl or refuse 10 e.lend lime for paymenl or olherwise modify umorlization oflhe sums secured by Ihis Security Inslrumenl by reason ofony demand mode by I he original Borrower or Borrower's successors in interest. Any forbeorunee hy I.ender in e.ercising ony righl or remedy shull nol be a wlliver of or preclude the exercise or any righl ur remedy. II, Successors ond Assigns nound; Joint ond Severol L1oblllty; Co-signers. The covenonts ond ogreemenls of Ihis Seeurily Instrument shall hind ond benefillhe successors and ossigns of Lender ond nor rower, subjecllo Ihe provisions of parogroph (7. norrower's covenonls and ogreemenlssholl be jointnnd severol. Any norrower who co.signs Ihis Securily tnstrument hUI docs nol e.ecUle Ihc Nole: (u) is co-signing Ihis Seeurily Instrument only to morlgoge. grunl ond convey Ihol nurruwer's inlerest in Ihe ('ro(!Crty under Ihelerms orlhis Security Instrument, (b) is nol personolly obligalcd 10 pay Ihe sums secured hy Ihis Seenrily InslrUmel1l; and (c) agrees Ihal Lender ond any other norrower moy agree 10 e.lend, modify, furhear or make 'lilY nceommodalions wilh regard 10 the Icrms or Ihis Seeurily IMlrument or the Nole withoul IIHlIBormwer's eonsen\. 12. I.oon Chorges. If Iheloao secured by Ihis Securily lostrumenl is suhjeello 0 low which sel' ma.imum loan charges. and Ihal law is Iinally inlnrreled Sl' Ihol Ihe inlerL'S1 or olher loan ehargl'S collceled or 10 be colleeled in connection with the.' 10:11I CAcccdlhc pcrtnillcd limils, 1111.'11: (n) any such Inan clHlfgc ,hall he reduced by the nmnunl necesS:llY 10 reduce Ihe chargelolhe rermilled limil; and (h) any snllls already eolleeled from lIorrower which e.eeeded permilled Jimi" will he refllnded 10 IIlIrrower. I.ellder may choose 10 nmke Ihis refund by redudng Ihe (lrinci(lol owed under Ihe NOle ur hy makiog a direcl (laymenllo lIorrower. Ira rerlllld reduces prillcipal, Ihe reduclion will be Ire"led OS" parliol pre(laymelll wilhoul allY prepaymenl chorgeunder the Nole. 13. l.e~I,I"tlon AlTeetlng I.ender'. RI~bt'. If enaelmenl nr e.piralion of applicable laws has Ihe effecl of rendering 'lilY pmvi,ion of Ihe Nole or Ihi, Securily In'lrumenl ollenfnreeable according In ils lenn.. Lender, 01 il. oplion, may require ill1l11cdi:lh.' paYIIH.'1l1 ill full "I' all '11111__ ,c.'c.'un.',1 hy thi, SCl.'urily 111\lr\lnU,'111 :1Iulmay invuk,,' .In)' fl.'IUC.'di.." pennilled by (laragra(lh I'). If Lemler c.erdses Ihi, oplion, I.ender ,hall lake Ihe sIers specilied in Ihe seellllll (laragraph of paragraph 17. 14. Nollee.. Any noliee 10 Borrower provided for in Ihi, Sccurily In,lrumenl shall be given by delivering il ur by mailing ;1 by filSl class nmil unle,s a(l(llicable law reqllires u,e or anolher lIlelhod. The noliee shall be direcled 10 Ihe l'mpellY Address ur any olher address Borrower dL'Sigllales hy rullice 10 I.eruler. Any nlllicc 10 I.cnder shall he gi,'en b)' firsl class mail 10 Lender's addre.. slaled herdn or 'illY olher address Lellder dl'Signall'S by nlllice 10 Borrower. Any nllliee provided for in Ihi, Securily In'lrumelll ,hall bc deemed 10 have been given 10 Borrower or Lender when given a, (lm.ided in Ihis parngmph. 15. Governing 1.aw; Severabllily. This Secllrily 11I'lrumelll shall be governed by federollaw and Ihe law of Ihe jurisdielion in which Ihe I'ropcrty i, localed. In Ihe evenllhol any (lrovision or clause or this Security In,lrumenl or Ihe Nole eonniels wilh npplicable law, such conflicl shall nol affecl olher (lrovi,ions of Ihi. Sccurily tn,lrumenl or Ihe Nole which can be given effeel withOllllhe conflieling (lrovisilln. To Ihis end Ihe rrovi,ions or Ihis Secllrily InSlrumeol ond Ihe NOlenre declared 10 be ,eve ruble. 16. Borrower's Copy. Borrower ,hall be given une conformed eupy or Ihe Nole and urlhis Seeurily InSlrumen\. t7. Tro.sfer of the Properly nr 0 lIenefielollnlerest In narrower. If all or any pnrt of the I'ru(lerty or any inler",1 in il i, ,old ur lrunsferred (ur if;, belleficial inlere,l in Burrower is ,"ld or Iransferred and nllrrower i. nol a nalurol pcr\on) withuul Lemler's prinr written cunscnl. Lender IlWY, nl its oplion. require immediale payment in full nrall \Uo1'\ ,ecured by Ihis Secllrily IlImlllllenl. lIowever, Ihis oplion shall nol he e.ercised hy Lender if e.erd,e i, prohibiled by federal law '" oflhe dale orlhis SL'CurilY Inslrllmenl. If 1.l.'lIdcr c).cn:i\c\ Ihi, (lplitlll, I.cntler ,llall give Ih,rnlwcr IHllicc nrtu:cclcrulion. The notice ,hall pnl\'idc t1 flCrind nfnollc,s limn ,'0 day' frumthc dOllc the nnlicc i\lldivcrcd or lIutilt.'d within whidl Borrower mU'lllosy ill! 'U"" ,rcured hy lhis Sccurily Inslrumcnl. If Bnrrnwcr filii, In P:lY lhc,c ,ums prinr tOlhe eAllimlinn of lhis prritKl, l.cmler muy iu\'ol.c uny rcnu:dic, pcrmiltrd hy Ihi, Sccurily 11I\lrUl11rnl \\'ilhulll further llUlil'c tlr delllillld ,m I1lllt')\\"l'r. 18. nnrrnwerts IU~hl to Reinstate. If Unrm\\'cr mcels certain cnmlilinn\, Unrmwcr ,110111 h:lvc the nghl In hoWl' enforcement of Ihi, Security lIl\trumel1l discontinued al any time prinr In the earlier nf: (a) S day' (or ,uch OIlier period 3' lIrrlicahlc law may 'pc\.'ify fur rciu"t\lrmcul) hcfurc ,ale of Ihe Ilrnpcr1Y llur'U:lI1t In iU1)' pnwer of ,ule \.'ulIt"i,,,...c.I in Ihi\ SeL'urilY 111"rul11clll; or (h) cnlr)' of a Jllllgnu.'nl cnfnrcing Ihi, Sc\.'urily 1",trumL'nl. TIHl\C L'lmditi,ms urc Ihal Unrruwcr: (a) (lay' !.ender all 'nflts wllleh lhen ",lInld he dne IInder Ihi, S,'.:urily ""I,,"nenl '"11llhe Nllle had '"' aceclerali"n occurred; (b) CUrl" any deraull uf any "Iher COWlUlIIl' nr agreefltenl'; (c) (lay. all e'penses illeurred in enlindng Ihis Security In.lrumenl, including. bul nnl Iimiled 10, rea.onable llllnrney.' ree.; and (d) lake, .uch uclion a, \.ender may reasonably require 10 assure Ihal the lien or Ihis SecurilY Inslrurnenl, \.ender's righls in the l'ro(!Crly and Borrnwer's obligaliun 10 pay Ihe sums secured hy Ihis Securily In,lrlllllenl sl",1I cnnlinue unchunged. Upon rein,lulemenl by norrower,lhis Sccurily In,lrument and Ihe "bligalinn, secured herehy ,hall refltain fully effl'Clivc llS ifnn al'celerolinn hud occurred. IInwever, Ihi. right 10 rdn,lole shnll nlll "P(lly inlhe Cll,e "r,"wlernlionllmler (laragru(lh' \J ur 17. bOOK t Hi! rAcr 91 , NON.UNlfORM COVENANTS. Uorrower and lender furl her covenanl and agree a~ follow" , 19. Acc:oeleratloh; Remedies, Lender shall give notice 10 1I0rrower prior 10 acceleration 101l0wlng'IIorrower's brueh ohny covenant or aRreemenlln this Securlly Instrument (bol nol prior 10 accelerotlon under paraRraphs t3 and t7 unl'.ss applicable law provides otherwise). I.endcr shall notlly lIorrower 01, among lither Ihlnll-s: lallhe default; Ib) the action required 10 cure Ihe defaull; (c) when Ihe delaull mu~t be cured; and (d) Ihol lullore III cure Ihe ddaull as specified may resullln acceleration 01 the sums secured by Ihl, Sccurlly Instrument, loreclosure by judicial proccedlng und sale nf Ihe I'ropcrty. Lender shall lurlher Inlorm IInrrllwer IIf Ihe rlRhllo rclnslate aller arcelerotlnn and Ihe r;Rhllo asserlln Ihe foreclosure proceeding the non-exlslence 01 a ddaull or any lither ddense of lIorruwer In nrrelerutlon und lorcclosore. Ir the default Is nol cured as specified, I.ender at lis option may require Immedlole paymenlln full 01 ullsoms secured by Ihls Securlly Inslrumenl wllhout furlher demand and may foreclose Ihis Secorlly Inslrumcnl by judicial proceeding. I.ender shall be enlllled to collect all expenses Ineorred In pursolng Ihe remedies provided In this paragraph t9, Including, but nol 11m lied to, allorneys' fees and cosls of title evidence 10 Ihe exlcnl permilled by applicable law, 20. Lender In I'ossesslon. Upon accclerolion uoder paragraph 19 or abandllnmenl or Ihe l'ropcrlY, I.ender (in person, by agenl or by judicially appoinled receiver) .holl be enlitled to elller upon, lake pn..~.ion or and manage Ihe Property and 10 collect Ihe rents of Ihe Properly including Ihose po~1 due. Any renls collcctcd by lender or Ihe receiver shall be applied firslto paymenl of Ihe cost. of management of Ihe I'roperty and clllleclion of renls, including, but not limited 10, receiver's fees, premiums on receiver's bonds and reasonable allorney~' fees, and Ihen 10 Ihe ~ums ~ecured by Ihis SeeurilY Instrument, 2t. Release, Upon paymenl of 011 ~ums secured by Ihi~ Seeurily Inslrumenl. under shall di~eharge Ihis Seeurily Inslrumenl wilhoul charge 10 Dorrower. Dorrowershall pay any reeordoliun cosls. 22, Relnstalemenll'erlod. Dorrower'stime 10 reinstale provided in paragraph 18 .holl extend loone hour prior 10 Ihc commencement of bidding al a sherifl's solc orolhcr .ole pursuanttolhis Sceurily Instrumenl. 23.l'urchasc Money Mortgage, Irony of the debt secured by Ihis Security Instrument islenlto Dorrower 10 acquire Iii Ie lolhe Propcrty, IhisSecurily In'lrumenl.hall be a purcha~e mnney mOrlgage. 24.lntercst Rule Aller Judgment, lIurrower agrees Ihallhe IIIteresl mle I"'yahle lIner a judgmenl is enlered IlIllhe Nole or in un aClion of marl gage foreclusure .hall be the rute payable from lime 10 lime under Ihe Nole. 25. Riders to this Seeurlly Inslrument. Ir onc or marc riders arc exeeuled by 1I0rrower and recorded logelhcr with this Sccurily tnslrumenl, Ihe eovenanls and agreelllenls of each such rider shall be ineorporaled inlo and shall amend and supplemenl Ihe eovenanls and agreemenls of Ihis Security tnslrumenl as if Ihe rider(s) were a pari of Ihis Security Inslromenl. [Check applicable box(es)) o Adjuslable Rate Rider o Graduated Paymenl Rider o Olher(s) [specify) o Condominium Rider o Planned Unit Development o 2-4 Family Rider Rider This I' a Con,lruellon Morlga~e III leeure lulllle p.ymenls whlrh .hall he m.de during the course III eunll,uclion of a building IIn Ihe premlsel dese,ihed herein in ae<ll,danee wilh Ihe lell'" alld wnclilillll' of a wrlllcn og,eement hetween Ihe p.rlies of even dale herewilh and hy which lerm' as a. rllrlh~1 (;Ol,dillllnllr Ihe ohlig.lion herein erealed Morlgagor agree' 10 abide. Provided fori her Ihal Murlg.gor ,h. II within q,~ll~/'r)hrrl~lhl (",m ,1;01< he,cuf apply 10' Ihe whole of Ihe principal rfIl'R'B'IIIbd.efaull of which any uhlig.lion lu ",.ke (1Il1he, adv.nce, ,hall he void. II I, furlher agreed thai for a period of :&Jx~)'ni'o~th, afler dale Morlgagor m.y have Ihr prlvile~e u( p.ying inle,e,1 ancl premium alone on Ihe funds advanced oul of the proceed, of the loan, hullherearter Ihe ,egolar p.ymenls ,h;oll he mode. DY SIGNtNG DELOW, Borrower accepls and agrees 10 Ihe lerms and eovenanls eonlained in Ihis Sccurily Instrumenl and in any rider(s) execuled by Borrower and recorded with it. WitnC55C5' U# ..........................~,....9......................:..:~ ~::~i~'~--~~ ,..,{fi.dt.....~...&~..................................(Seal) Vicki s: Crist, -80rr""'" (SpICe Ben TN. Unt Fot Atkno.~llmentJ COMMONWEALTH OF PENNSYLVANIA, _ C.(JmlXrI(il)(~ . . County ss: On Ihis, the )Gth . day of -Auqus-t . 19..!l3-, before me, a notary Dublic in and for the above Counly and Commonwealth, Ihe undersigned officer, personally appeared James R. Crist an~cki S. Crist- known to me (or satisfactorily proven) 10 be the person 5.....- whose namc", subscribed to the wilhin instrumenl and acknowlcdgcd Ihal_they. cxcclIlcd thc samc for Ihe purpose hcrein contained. IN WITNESS WHEREOF, I hcrcunlo sel my hand and official scal. My Commission Expires: AJ. "U '. -1J~.( .'. ,,/A-O.... . . I . ....:J.., /J ( b it(. Title of Officc(, -- . ,t"'" """"" ""W!:.pC; \V.\..~t~. 1,,,..\ ~... 0 ......... r(:','" .'1 . ,....., . .. ",.. ~.~..,t..c..'t...... ~ t- . no.. " ". C,,,., , _ i.-~" l..~./ ',', ,', .~y;. \'" i: 'J'-"'- "';;l:..~ I It, i.... . .Of. j. : ..; .., ... ..... . -/ i ~ . 1" ",,1, .. ~ ~ "~-\I!: ._-~.~~. ,....(). 7116v\~1>1/'\ .- 'so. )o',~"'v~, ~"'''Rrvu~,:,,' -'''''1: .\\\' "'II''''ltl''- NOTARiAL SEAL STACI L. AYERS. NOTARY PU911C BOROUGH OF CARUSLE. CUMBERLANO CO. PA MY COMMISSION EXPIRES JUNE 01. 1991 I ccrll y 11al Ite a rcss 0 lIe Morlgagce above-named is 234 Norlh Second Strcel Harrisbu'o/ia Louis J. Adler, Attorney for Mortgagee booi11Gl rACE 92 NOTE . .August. ,30.....,.",.,...,.. 19,93.., .Harr.isbuL'g.,. . . ,.,.,., ,.Pennsy:Lva.nl.a", C,ly 51610 Lot. 6.,. Old. state. .Read,. .Di~kinson .Township" .cumberland. .county,. .PA,.,..., r,opMy Address t, 1I0RROW~:R'S I'ROMtSI, TO PAV In relurn for n lonn thlll I hnve received, I promise to puy U.S. S1)~.. :3.QO,..O'O.,......,. (Ihls amount is called "principal"), plus inleresl, 10 the order of the Lcnder, The Lender is ..., .t:lr~U~4t!P1 /ipyln.R',~q4.,...,. . .1,0,1.'. t-.',g~lpllpp. 91 Il~r!l"'!'r~\ p .r."!P!lr~I!119 . . . . . .. . . , . , , . . , . . . . . , . . , . , .. . . . .. . . . . , , , . , .. . . . . . . , . . , , , . , . , I undersland thatlhe Lender may lransfer Ihis NOle. The Lender or 1I11Y(lne who takes this NOle by lransfer and who is entitled 10 receive paymenls under this Note is culled lhe "Note 1I0Ider." 2, INTER~:ST Inlerest will be charged on unpaid principnl until the fullumounl of principul has been paid. I will pay interesl at a yearly rale of ,:7.. J.2 5.. DJo. The interest rate required by this Seclion 2 is Ihe mle I will pay both before and aner any defauh described in Seetlon 6(B) of this Note. 3, PAVM~:NTS (AI Time and Place of Payments I will pay principal and inlerest by making payments every month. I will make my monlhly paymenls on Ihe .,.,..,....,1H"......,.., day of each month beginning on .June. .1",....""..,." ,..., 19.9<f,.. I will make Ihese paymenls every month unlill have paid all of Ihe principal and inleresl and any olher chnrges described below thai I may owe under Ihis Note. My monthly payments will be applied 10 inleresl before principn!. If on ..... Ma~ . .1., . ,20.24.... ., .......,... I still (lwe amounts under this Note, I will puy those amounls iu full on Ihm dule, whieh is culled Ihe "malurity dale." I will make my monthly paymenls at .... .2,1~.r~lprl.h. /ir~9q4 .s.lr~e!"l~rTI.'~!'rg, . .. , .. .... .. .. .. .. ..... .. . .J:~qqsy!yqqlp.t.~I.O". .. . . , .. , . .. . . . . . . . . . . . . , . . . , , . . .. or ut a different place if required by Ihe NOle Holder. (B) Amounl of Monthly Payments My monlhly payment will be in Ihe mnount of U.S. S .1l.9l.. 3.3 .. . . . .... ** 4. 1I0ltROWER'S RIGHT TO PREI'AV I have Ihe righllo make paymenls of principal at any lime before Ihey are due. A payment of principal only is known as a "prepayment." When I make u prepayment, I willtelllhe NOle Holder in writing thai t am doing so. I may make a full prepaymenl or u pnrtial prepayment withoul paying any prepaymenl charge. The NOle Holder will use all of my prepayments to reduce the amounl of principallhall owe under this Note. If I make a parlial prepay. ment, there will be no changes in lhe due date or in lhe amount of my monthly paymenl unless lhe NOle Holder agrees in writing 10 Ihose changes. 5. LOAN CHARGES If a law which applies to this loan and whieh sels maximum loan charges is finally inlerpreled so lhatlhe interest or other loan charges collecled or to be collecled in connection with Ihis loan exceed the permilled limits, lhen: (i) any such loan eharge shall be reduced by the amounl necessary to reduce lhe charge 10 lhe permllled limit; and (ii) any sums already collecled from me whieh exceeded permilled Iimils will be refunded to me. The Note Holder may choose to make this refund by reducing Ihe principal I owe under this Note or by making a direct paymenlto me. If a refund reduces principal, Ihe reduction will be trealed as a parlial prepaymenl, 6. BORROWER'S FAILURE TO PAV AS REQUIRED (AI Laic Charge for Overdue Paymenls If the Note Holder has nOl received lhe full amounl of any of my monlhly payments by lhe end of . . . ".5. ... calendar days aner the dale it is due, I will pay a late charge to lhe Note Holder. The amount of the charge will be ........~........ DJo of my overdue payment of principal and interesl. I will pay this late charge promptly bUI only once on any late payment. (0) Defaull If I do nOl pay the full amount of each monlhly payment on the dale it is due, I will be in defauh. (C) Nollce of Defaull If I am in defauh, the Note Holder may send me a wrillen uOlice telling me IImt if I do nOI pay the overdue amount by a certain dale the Note Holder may require me to pay immedialely the full amount of principal which has nOl been paid and all the inleresl Ihat I owe on that amount. That date must be al leas I 30 days after the date on which the nOlice is mailed or delivered 10 me. (D) No Waiver by Nute Holder Even if, at a lime when I am in defauh, Ihe NOle Holder docs not require me to pay immediately in full as deserib. cd above, lhe Note Holder will still have the right 10 do so if I am in defauh al a later time. (El Payment uf NlIle HlIlder's ellsts and Expenses Ir the NOle Holder has required me 10 pay immedilllely in full as described nbove, the NOle Holder will have the right to be paid back by me for nil its ren,onable cmlS and e'l'en,e, in enforcing this Note 10 the extent nOl pro. hibited by applicable law, Those expenses include, for example, reasonable allorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a differenl method, any notice Ihal must be given to me under this Note will be given by mailing it by first class mail or by delivering it to Ille at the Property Address above or al a different address if I give the Note Holder a notice of my differenl address. Any notice Ihat must be given 10 the NOle Holder under Ihis Nole will be given by mailing It by first class mail to lhe NOle Holder atlhe address stated in Seclion 3(A) above or al a different address if I am given a notice of that different address. ** Borrower shall pay monthly interest .only en the then _principal balance for each month prior te June 199d MULTISTATE FIXED RATE NOTE-Single Family-FNMAlFHLMC UNIFORM INSTRUMENT - . F.-".. 3lc" I~ ft.) 81 OBLIGATIONS 0.' PERSONS UNDER TillS Non; If more Ihan one (1erson signs this Note, each pcrson is fully aud pcrsonally ohligaled 10 kccp ~II of Ih" promises made Inlhls Nole, including Ihe promise 10 pay Ihe full amounl owed. ^ny pcrson who is a guaranlor, surelY, or endorser of 111Is Nole is also obligaled to do Ihese things. Any person who takes over Ihese obligations, including the obligations of a guaranlor, surely, or endorser of this Notc, is also ohligalcd 10 kecp all of Ihe promises made in this Nole. The Note Holder may enforce ils righls under Ihis Note against each person individually or againsl all of us logelher. This means that anyone of us may be rcquircd to pay all of Ihe amounls owcd under this NOle, 9, WAIV.:RS t and any other person who has obligations under this NOle waive Ihe righls of Ilreselllment and notice of dishonor. "Presenlmenl" means the righl to reqolre the Nole I (older to demand paymelll of amoonts due. "Nolice of dishonor" means Ihe right to require the Note '-(oldcr 10 give notice 10 olher pcrsous that IlIIlounls due have nol becn paid. 10. UNU'ORM S'~CURtm NOTE This Nole is a uniform inslrument with Iimiled varialions in some jurisdictions, In addition 10 Ihe proteclions given to the Nole Holder under Ihis Note, a Morlgage, Dced of Trust or Security Deed (the "Security Inslroment"), daled the same dale as this Nole, prolecls Ihe Note Holder from possible losses which might result if' do not keep the promises which I make in Ihis Note. That Security Inslrument describes how and under whal conditions I may be required to make immediale paymenl in full of all OIInounls I owe undcr Ihis Note, Some of lhose condillons arc described as follows: Transfer or lhe Properly or a Deneficlallnlerestln lIorrower. If all or any pari of Ihe I'roperty or any interest Iherein Is sold or Iransferred (or if a beneficial interest in Borrower is sold or Iransferred and Borrower is nol a natural person) withoul Lender's prior wrillen consenl, Lender may, al its option, re- quire immediale payment in full of all sums secured by this Security Instrument. '-Iowever,this option shall nol be exercised by Lender if exercise is prohibited by fcderallaws as of Ihe date of Security Inslrumenl. If Lender exercises this oplion, Lender shall give Ilorrower notice of acceleralion. The notice shall pro. vide a period of not less than 30 days fromlhe datc lhe nolicc is delivered or mailed within which Ilorrower may pay all sums secured by this Securily Instrumcnt. If Borrower fails 10 pay thesc sums prior to Ihe expiration of this period, Lcnder may invokc any remedies permilled by Ihis Security Inslrument wilhoul furl her noticc or demand on Borrower. Thl, Is . NOle givcn in conjunclion wilh a ConSlruclion Morlgage 10 secure fulure p.ymenlS which sh.1I be m.de during Ihe course of conslruclion of a building on Ihe premi,es dc-.cribed in Ihe .rcompanylng morlgage in .ccordance with the lerm' and conditions or a written agreement between the parties or even dale herewith am) by which ICjrnHi as p Iurlhcr concJition or (he obliga. lion herein ere.led Obligor .grees to abide. I'rovidcd lurlhcr Ihal Obligor .hall within !.tl-{Wmdn'il,!, from dale hereof apply lor Ihe whole 01 Ihe prin$,i~.1 amO)I)lllin delaull 01 which .ny oblig.lion 10 make lulnre .dvancc. shall be void. Ills lurlher agreed Ih.1 lor. period of >\lr-(/;\(~l1ohtll"afler dale Obligor may have Ihe privilege 01 paying inler..1 and premium alone onlhe Innds .dv.nred out 01 Ihe proeeed, 01 the loan, bUI lherealler lhe regular paymenl. .h.lI be made. WITNESS TIlE HAND(S) AND SEAL(S) OF TIlE UNDERSIGNED. .. .j~q...tf....~.:t:......., (Seal) 0'mes R. Crist, .Borrowor ,.. dGtr. ~,~. .~f............... (Seal) Vicki S. Crist, .Borrowe, .. . .. . .. .. . .. .. .. .. .. . . . .. . . . .. .. . . .. .. , .. ., (Seal) .Borrower (Sign Original Only) NIj~lW:l~ ~;::; ~, n!l ""~'lfll: .;....:: P,I.), BlI\ 1711 1I;IIT::ohur~. Pt'1U1~\h-i1m;1 : 7~1l.;.::~ 1 :1: '.!:llt..\llll November 1. 1996 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Vicki S. Crist 221 Old State Road Gardners, PA 17324 Dear Mortgagor: The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your property located at 221 Old State Road, Gardners, PA 17324 IS IN SERIOUS DEFAULT because you have not made partial payments of 5976.21 for the month of July, 1996, and payments of $1,094.58 for the months of August, September, October, and November. 1996. Late charges (and other charges) have also accrued to this date in the amount of $89.14. The total amount now required to cure this default, or in other words. gt't caught up in your payments, as of the date of this letter is $5,443.67. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $5443.67 plus any additional monthly payments and late charges which may fall due during this period, Such payment must be made either in CASH, CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. and made at any of our offices. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original 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 made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed. your mortgage property will be sold by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before lhey begin legal proceedings against you. you will still have to pay the reasonable attorney's even if they are over S50.00. Any attorneys fees will be added to whatever you owe us, which may also include our reasonable costS. If you cure the default within the THIRTY (30) DAY period. you will not be required to pay attorneys fees. 'We mdy also sue you personally for the unpaid principal balance and al/' other sums due under the mongage. If you have not cured the default within Ihe thirry day period and foreclosure proceedings have begun. you still have the right to cure the default and prevent the sale at any lime up to one hour before Ihe sheriff's forecloSl/re sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges Ihen due, as the reasonable arromey's fees and costs connected wilh Ihe foreclosure sale (and peifonn any olher requirements under the mongage). It is eSlimated that the earliest dale Ihat such a sheriff's sale could be held would be approximately March 5. 1997. A notice of the date of the sheriff's sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait, You may find out at any time exactly what the required payment will be by calling us at the following number: 232.6660 ext. 292 or 1-800-554-4572 e.tt, 292. This payment must be in CASH. CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above. You should realize that a sheriff's sale will end your ownership of the mongaged propeny and your right 10 remain in it. If you continue to live in the propeny after the sheriff's sale, a lawsuit could be staned to evict you. You have additional rights to help prOfect your interest in the properry. YOU HA VE THE RiGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, (YOU MAY HAVE THE RiGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRiOR TO OR AT THE SALE. AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RiGHT MIGHT EXIST. YOU HA VE THE RiGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default. the mongage will be restored 10 the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year, Sincerely yours, Lisa Marsh Collection Supervisor Llvf/sjc e~ti~~l~ .::ti ~"":!1 :-:r\'ll'\'; ';::'1'1"1 P.i), BIIX t:-: 1 Il;lrl-::"tJur~. P...'nn~~'lral:i;1 ! 7'lu:l-: -:: :"1 ~ :!:),j..III.~ 1 November l. 1996 NOTICE OF INTENTION TO FORECLOSE MORTGAGE James R. Crist 221 Old State Road Gardners, PA 17324 Dear Mortgagor: The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your properry located at 221 Old State Road, Gardners, PA 17324 IS IN SERIOUS DEFAULT because you have not made partial payments of $976.21 for the month of July, 1996, and payments of $1.094,58 for the months of August, Seplember, October, and November, 1996, Late charges (and other charges) have also accrued to this dale in the amount of $89.14. The total amount now required to cure this default, or in other words, get caught up in your payments, as of lhe date of this letter is $5,443,67. You may cure this default within THIRTY (30) DAYS of the date of this leller, by paying to us the above amount of $5443,67 plus any additional monthly payments and late charges which may fall due during this period, Such payment must be made either in CASH, CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. and made at any of our offices. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerale the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance 10 payoff the original mortgage in monthly installments. If full payment of the amounl of defaull is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed. your mortgage property will be sold by the sheriff to payoff the mortgage debt. If we refer your case to our allorneys, but you cure the default before [hey begin legal proceedings against you, you will still have to pay the reasonable allorney's even if they are over $50.00. Any allorneys fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within lhe THIRTY (30) DAY period. you will not be required to pay allorneys fees, 'We mdy also sue you personally for the unpaid principal balance and all' other sums due under the mortgage. If you have not cured Ihe default wilhin the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or OIher charges then due, as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage). It is estimated that the earliest date that such a sheriff's sale could be held would be approximately March 5, 1997. A notice of the date of the sheriff's sale will be sent 10 you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find 011I at any time exactly what the required payment will be by calling us at the following number: 232-6660 en. 292 or 1-800-554-4572 e-ct. 292, This payment must be in CASH, CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above. You should realize that a sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue 10 live in the property after the sheriff's sale. a lawsuit could be started to evict you. You have additional rig/lts to help prolect your interest in the property. YOU HA VE THE RIGHT TO SEll THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SEll OR TRANSFER THE PROPERTY SUBJECl'TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WIll ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUlREMEN/'S UNDER THE MORTGAGE ARE SATISFIED). CONTACl' US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EX/ST. YOU HA VE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACl'ING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled 10 this right to cure your default more than three times in any calendar year. Sincerely yours, Lisa Marsh Collection Supervisor LM/sjc aIj~~~l? :!:rl :\lIllh :-,.,,'HlId :-;'In'l'l 1'.1l. 1\", 1711 1I.IITI~hur~. 1'1'1U1~\h',lIl1a r:lo:,.1711 7171~:lli.WII ACT 91 :"iOTlCE TAKE ACTION TO SAVE YOUR I.IOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency MOl1gage Assistance Program may be ahle to help you, Read lhe following notice to lind out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1-(800)- 342-2397. La notificacion en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el comenido de esta nOlilicacion obtenga una traduccion immediatamente lIamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser c1egible para un prestamo por el programa lIamado "Homeowner's Emergency Mortgage Assistance Program" el ellal puede salvar su cas a de la perdida del dereeho a redimir su hipoteea. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS DATE: RE: TO: MAILING ADD.: PROPERTY ADD.: FROM: ADDRESS: November 1. 1996 Accounl No. 0171023367 Vicki S. Crist 221 Old Slate Road. Gardners. PA 17324 221 Old Slate Road, Gardners. PA 17324 Harris Savings Bank Second and Pine StreelS. P.O. Box 1711. Harrisburg. PA 17105 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance If your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. Under the Act. you are entitled to a lemporary stay of foreclosure on your mortgage for thirty (30) days from the dale of this Notice. During that lime you must arrange and attend a "face-to-face" meeting with a represenlativc of lhis lender, or with a designaled consumer credit counseling agency. The purpose of this meeting is 10 attempt to work out a repayment plan, or to otherwise settle your delinquency, This meeting must occur in lhe next (30) days. If you attend a face-lo-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days aftcr the date of this meeting, The name, address and telephone number of our representative is: Stacy Armstrong Collection Counselor Harris Savings Bank, Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105 (717)-232-6660 ext. 293 or 1-800-554-4572, ext. 293 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immcdiately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $5,443.67. That sum includes the following: a partial payment of $976.21 for July, 1996. and payments of $1,094.58 for August, September, October. and November, 1996, late charges totaling $89.14. Your mortgage is also in default for the following reasons: None If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Fund. In order to do this. you must fill out, sign and file a completed Homeowner's Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. It is e.r1remely important thai YOII file YOllr app/ica/ion promptly. If YOII do not do so, or if YOIl do nor follow Ihe other lime periods sel forth ill this leuer, foreclosllre may proceed against YOllr home immediately. Available funds for emergency mongage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act, It is extremely imponant that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application, During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Ag~ncy of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No, (717)-780-3800 or 1-800- 342-2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclosure". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, Stacy Annstrong Collection Counselor SM/sjc Attachment: , You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange and allend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to allempt to work out a repayment plan, or to otherwise settle your delinquency, This meeting must occur in the next (30) days. If you attend a face-to-face meeting with this lender.. or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our represemative is: Stacy Annstrong Collection Counselor Harris Savings Bank, Second and Pine Streets, P.O. Box 1711. Harrisburg, PA 17105 (717)-232-6660 ext. 293 or 1-800-554-4572, ex!. 293 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $5,443.67. That sum includes the following: a partial payment of $976.21 for July, 1996, and payments of $1.094.58 for August, September, October, and November, 1996, late charges totaling $89,14. Your mortgage is also in default for the following reasons: None If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Fund. In order to do this. you must fill out, sign and file a completed Homeowner's Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the allachmem. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. N~~~~~ ~:;,~ \I'l'.:~ ..;.,. ,;11.: ';1:- _'~~ r'..... a,.'\ i;l; H3rn.~urg. P~nns}'I\'3",3 1 ~I03.1~11 ;'1; 236.4041 CUMBERLAND COUNTY CREDIT COUNSELING AGENCIES Conswner Credil Counseling Service of Western Pennsyivania, Inc, 2()()() Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 Nonh FrOM Street Harrisburg, PA 17101 (717) 234-5925 FAX # (717) 232-4985 YWCt of Carlisle 301 G. Street Carlisle, PA 17013 (717) 243-3818 FAX # (717) 243-3948 PENNSYLVANIA HOUSING FINANCE AGENCY Homeowners' Emergency Mortgage Assistance Loan Program. I'avmenls General Inrormallon (717) 780-3940 Corresllondence 2101 North I'ronl Street Generallnrormallon 1-800-342-2397 2101 North I'rnnl Slreel P,O. Box 15206 TDDII For lIellrlng Impaired (717) 780-1869 1',0. Box 15530 Harrisburg, PA 17105-5206 Harrisburg,l'A 17105-5530 1/00/97 HARRIS SAVINGS BANK 235 N. SECOND STRBBT HARRISBURG, PA. 17101 SUBJBCT: VICKI S CRIST 221 OLD STATB ROAD GARDNBRS, PA. 17324 Your application for a HOMEOWNBR'S EMERGBNCY MORTGAGE ASSISTANCB LOAN has been DBNIED pursuant to Act 91 of 1903, 35 P.S. Section 160.401-C et seq. and/or Agency Guidelines 16 PA Code Section 40.101 et seq. for the following reasons: 1. Mortgagor intends to sell mortgaged property and does not intend to occupy it as his/ her primary residence and is therefore ineligible for a Homeowner's Emergency Mortgage Assistance Loan. As per phone conversation with homeowner 1/3/97. 2. No reasonable prospect of mortgagor resuming full mortgage payments within thirty-six (36) months and paying mortgage(s) by maturity based on: Insufficient income while employed. As disclosed in corresponsdence of 1/3/97. You may be entitled to an appeal hearing if you disagree with our decision. We must receive a written request for a hearing within 15 days of the postmark date of this letter. (Appeal requests must be in writing; a verbal request is not acceptable). The hearing may be con- ducted by a telephone conference call; therefore, you must include your telephone number. Requests for hearings must state the reason(s) that a hearing is requested and must be sent first class, registered or certified mail to: Chief Counsel - Hearing Request, PHFA/HBMAP , 2101 North Front Street, P. O. Box 15620, Harrisburg, Pennsylvania 17105-5620. The Agency will attempt to schedule the hearing within thirty (30) days after the request is received. When sending your appeal, please be sure to print your name legibly and include your social security number. You have a right to be represented by an attorney in connection with your appeal. If you cannot afford an attorney you may be eligible for Legal Services representation. You can contact a Legal Services representative through the following toll free number 1-000-732-3545. Please be aware that scheduling an appeal hearing does not necessarily etay foreclosure proceedings. DISCLOSURB OF USE OF INFORMATION OBTAINBD FROM OUTSIDB SOURCB: 1. Disclosure inapplicable. The Federal Bqual Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protec- tion Act. The Federal Agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C, The Pennsylvania Housing Finance Agency tl ..J.... L( HJ- 3'1:,l/?..... -- -'-- ~pa:Ar'~~'A;ru;:;j,C" ~!:."exa=i!,~ ,~"l' (1 ~ ~ ,J I ,,~ " I I - '~i~~~~]t~B:::"~iit,~l~ _, /71()d33U7 /J J/I ,,.,,;) A. A' // d),rIoIA - ~/-LP-aJV-/. ~ VUVL/~/ ~ Itf / q 7 ~/I(/tI , . . . HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO, 97.1397 CIVIL TERM v. JAMES R. CRIST and VICKI S. CRIST, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE TO: JAMES R, CRIST 630 AMES PLACE WILLIAMSPORT, PA 17703 VICKI S, CRIST 221 OLD SLATE ROAD GARDNERS, P A 17324 DATE OF NOTICE: APRIL 17, 1997 10 DAY 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. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (71 7) 240-6200 Date: 1/1/'1 I Respectfull2' By /Y~ Richard C. Ruben, Esquirc Allorney for Plaintiff I 13 Locust Street Harrisburg, PA 17101 (717) 232-2227 J.D. #27767 ~ ~ "j-~ , .~ -~ f ~~ i. ~ (U ~ c: ~ , ~ is: ,.'-. . . ~Q 0 "1::c . , .J .' %~ '..- .--., . ~ ~ .,- l:i . . J - C 1 . , ff:~: :-z ',,> .... ~ . () . .;:! ~ ~ "%~ ~c <=> ;-(1) e, ~ ~ ~ Ll.. r.: ~(l- . 1;~ oQ 8~ ('-'" ~ ....:. . oc'" ~. 1":;'" V;" . [(\ '~ if ::;:J ~ ;~j 6.: "':':fo ~~~ - -) ......; lii_ ,- ....... ~ II.. r- ::) ~ """'- ~ ~-) '" C,) 1: ~.~ ~ B ~~. !ii ~ s ~ B .... ~~ ~ ~ 8 tIi ~. ~ ~ B ~ 't 8~ !> f3 Ii ~ ~ ffi~~~ ~ ] 0 ~8 ~ I.Lo !ii ~ ~~VJ~ ~! ~ i:2 ~~~d'on . 8 . ~ u ~ U>O ~2r'- o - VJ ~ ~~~m~~ ~! z I VJ ~ ~ ~ ~ o ~~~ ~ i:2~~ 69 '. LAW OFFICES RICHARD C. RUBEN 113 LOCUST STREET HARRISBURG, PA 17101 (717) 232-2227 . FAX (717) 232.2707 " '- .. ~ r '. HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 97.1397 CIVIL TERM WRIT NO. 97.1397 v. JAMES R. CRIST and VICKI S. CRIST Defendants Principal SI29,457.7I Interest thru Distribution (10/3/97) 12,349.73 Late charges 579.41 Escrow Due 2,511.85 Unapplied credit (118.37) Attorney's Fees 6,950.00 TOTAL: ~151.730,33 ...- Plus costs Plaintiff: Attorney : : Sheriff : This Writ: Plus Costs PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE - P.R.C.P. 3180 - 3183 TO THE PROTHONOTARY OF SAID COURT: Issue writ of execution in the above captioned case. 0.'" ~/~97 Respectfully submitted, ~~ By Richard C, Ruben, Esquire Attorney for Plaintiff 113 Locust Street Harrisburg, PA 17101 (717) 232-2227 I.D. #27767 WRIT OF EXBCUTION . MORTGAGB FORBCLOSORB COllMONWBALTH OF PENNSYLVANIA COUNTY OF CUMBBRLAND ... TO THB SHBRIFF OF SAID COUNTY. To satisfy the jUdgment, interest and costs in the above captioned case, you are directed to levy upon and sell the property described in the attached legal description. '''O/Q7 o(~ E. /1fdk... " pro~ by: . d. 'W~ D puty Date: L:" ,. n' '~"r . i,"(-, ,,~. , ,,'~,< :\:~ ~~'t,: ; 'h~t: i~1:: ;,s',;.;" :!1~1}:'" if~~ 1., . ;!liF {!( 1\.; .1." ~f; ',' ~'i.;: -' " ~.s:,.:., . 'I" (.' 1(_ ' f,.i~,,> :It;t~;.' I., :'~,~.{' I.,." . I~~;> ~it~..'r- f~': 1;li {:1J' ~ al 'fr: c: f.O' ~:.. . IJJP s"' . ;.~.;C O~ '-..- ~... X :),::j- r ~ ;;:: 0 ,:.1 I':" CI "(n (:.., }~ cEH' :l:. 'j r- ;:;;, tqa.. -.. 1.\. ,.... .;:5 0 '" u. LAW OFFICES RICHARD C. RUBEN 113 LOCUST STREET HARRISBURG, PA 17101 . (717) 232-2227 · FAX (717) 232-2707 ... 'rf' . .. . . . , LEGAL DESCRIPTION OF 221 OLD STATE ROAD, DICKINSON TOWNSHIP, CUMBERLAND COUNTY, GARDNERS, PENNSYLVANIA ALL THAT CERTAIN tract, situate in Dickinson Township, in the county or cumberland, Commonwealth of pennsylvania, bounded and described as follows: BEGINNING at a point in the centerline of Old state Road (T- 522) on the dividing line between land now or formerly of Donald E. Bream and Lot No. 6 on the hereinafter mentioned Subdivision Plan; thence by centerline of said road by a curve to the right with a radius of 475.00 feet an arc distance of 128.264 feet to a point; thence continuing by the centerline of said road by the following courses and distances: south 20 degrees 39 minutes 20 seconds West, 127.88 feet to a point; South 29 degrees 37 minutes 34 seconds West, 92.91 feet to a concrete monument set; and South 29 degrees 37 minutes 34 seconds West, 90.00 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 7 as shown on said Plan North 60 degrees 22 minutes 26 seconds West, 28B.16 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 9 North 24 degrees 40 minutes 59 seconds East, 215.80 feet to a concrete monument set: thence by land now or formerly of Donald E. Bream and Lot No. 6 south 78 degrees 33 minutes 33 seconds East, 301.90 feet to a point the place of BEGINNING. .. - ----~ ..------.... CONTAINING 1.8010 acres, including the portion of said premises under and subject to the'dedicated right-of-way for Old state Road (T-522); and being Lot No.6 on a Subdivision Plan for Michaux Meadows, Phase II, as recorded in the Office of the Recorder of Deeds in and for Cumberland county, Pennsylvania, in Plan Book 64, Page 42. BEING the same property which Karl E. Sowers, Gloria M. Sowers, Lynn E. Sowers, Martha G. Sowers, Leona S. Chronister, Chester Chronister, Roger E. Sowers, and Lois Sowers by deed dated August ~, , 1993 and to be recorded in the Office of the Recorder of Deeds:rn and for CUmberland County, pennsylvania.simultaneously herewith, granted and conveyed unto James R. Cr1st and Vicki S. crist. SUBJECT, HOWEVER, to the protective covenants recorded with said Final SUbdivision Plan for Michaux Meadows and as set forth in the above-referenced Deed. TAX PARCEL NO. 08-15-0199-025 SOLD UNDER WRIT fl 97-1397 LEGAL DESCRIPTION OF 221 OLD STATE ROAD, DICKINSON TOWNSHIP, CUMBERLAND COUNTY, GARDNERS, PENNSYLVANIA . ----".. --- -_. ALL THAT CERTAIN tract, situate in Dickinson Township, in the County ot cumberland, Commonwealth ot pennsylvania, bounded and described as tollows: BEGINNING at a point in the centerline ot Old state Road (T- 522) on the dividing line between land now or formerly of Donald E. Bream and Lot No. 6 on the hereinafter mentioned Subdivision Plan; thence by centerline of said road by a curve to the right with a radius of 475.00 feet an arc distance of 128.264 feet to a point; thence continuing by the centerline of said road by the following courses and distances: south 20 degrees 39 minutes 20 seconds West, 127.88 feet to a point; south 29 degrees 37 minutes 34 seconds West, 92.91 feet to a concrete monument set; and South 29 degrees 37 minutes 34 seconds West, 90.00 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 7 as shown on said Plan North 60 degrees 22 minutes 26 seconds West, 288.16 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 9 North 24 degrees 40 minutes 59 seconds East, 215.80 feet to a concrete monument set: thence by land now or formerly of Donald E. Bream and Lot No. 6 South 78 degrees 33 minutes 33 seconds East, 301.90 feet to a point the place of BEGINNING. CONTAINING 1.8010 acres, including the portion of said premises under and subject to the'dedicated right-of-way for Old state Road (T-522); and being Lot No.6 on a Subdivision Plan for Michaux Meadows, Phase II, as recorded in the Office of the Recorder of Deeds in and for cumberland county, pennsylvania, in Plan Book 64, Page 42. BEING the same property which Karl E. Sowers, Gloria M. Sowers, Ly'nn E. Sowers, Martha G. sowers, Leona S. Chronister, Chester Chronister, Roger E. Sowers, and Lois Sowers by deed dated August ~, , 1993 and to be recorded in the Office of the Recorder of Deedi:fn and for cumberland county, pennsylvania.simultaneously herewith, granted and conveyed unto James R. Cr1st and Vicki S. crist. SUBJECT, HOWEVER, to the protective covenants reco;ded with said Final subdivision Plan for Michaux Meadows and as set forth in the above-referenced Deed. . TAX PARCEL NO. 08-15-0199-025 SOLD UNDER WRIT 0 97-1397 I~ , Harris Savings Bank vs James R. Crist and Vicki S, Crist In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 97-1397 Steve Whisler, Deputy, Sheriff, who being duly sworn according to law, says on June 30, 1997 at 1:14 o'clock P.M., E,D.S.T., he posted the property of James R. Crist and Vicki S, Crist at 221 Old State Road, GlIrdners, Cumberland County, Pennsylvania, with a copy of Real Estate Writ, Notice, Poster and Description according to law. R. ThomllS Kline, Sheriff, who being duly sworn according to law, says he made diligent sellrch and inquiry for one of the within named defendants, to wit: James R. Crist but WllS unable to locate them in his bailiwick. He therefore deputized the Sheriff of Lycoming County, Pennsylvania to serve the within Real Estate Writ, Notice, Poster and Description according to law, L YCOMING COUNTY RETURN: NOW, June 30TH 1997 AT I :35 O'CLOCK p.m. served the within Writ of ExecutionlReal Estate Notice, Sale Notice 3129.2, Poster & Description upon James R. Crist, the within named defendant at 630 Ames Place, Williamsport, Pa. 17701 by handing to Julia Crist, his Mother a true and attested copies of the original Writ, Sale Notice 3129,2 Poster and Description and made know to Julia Crist the contents thereof. So answers: Chllrles T. Brewer Sheriff of Lycoming County by Timothy B. Nelson, Deputy. Lycoming County return hereto attached. R. ThomllS 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: James r. Crist a notice of the pendency of the action by certified mail mllrked DELIVERY ONLY TO ADDRESSEE to his IlISt known address at 630 Ames Place, Williamsport, Pennsylvania 17703. This letter WllS mailed under the date of July I, 1997 and WllS received on July 3, 1997 with return receipt cllrd signed by James Crist. Return receipt cllrd is hereto attached. R. ThomllS 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: James R. Crist a notice of the pendency of the action by regulllr mail to his IlISt known address at 630 Ames Place, Williamsporl, Pennsylvania 17703, This letter WllS mailed under the date of July 10, 1997 and was never returned to the Sheriffs Office. Kirsten Mertz, Deputy Sheriff, who being duly sworn according to law, says on July 7,1997 at 9:51 o'clock A.M., E,D.S.T., he served a true copy of Real Estate Writ, Notice, Poster and Description, in the above entitled action upon one of the within named defendants, to wit: Vicki S. Crist by making known unto Vicki S. Crist at221 Old State Road, GlIrdners, Cumberland County, Pennsylvania, its content and at the same time handing to her personally the said true and attested copies of the same. R. ThomllS 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: Vicki S. Crist a notice of the pendency of the action by regulllr mail to her IlISt known address at 221 Old State Road, GlIrdners, Pennsylvania 17324. This letter was mailed under the date of July 10, 1997 and WllS never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according 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, Cumberland County, Pennsylvania on September 3, 1997 at 10:00 o'clock A,M" E,D.S,T" and sold the same for the sum of$1.00 to Allorney Richard C, Rubin for Harris Savings Bank 2nd and Pine Street Alln Legal Dept., Harrisburg, Pennsylvania 17101, It being highest bid and the best price received for the same Harris Savings Bank, Its successors and assigns at 2nd & Pine Street, Harrisburg, Pennsylvania, 17101, being the buyer in this Execution paid SheriffR. Thomas Kline,the sum of$892,04, it being poundage, stnmps etc, Sheriff's Costs listed below. See allached distribution sheet for additional costs, Sheriff's Costs: Docketing 30.00 Poundage 17.49 Posting Bills 15.00 Advertising 15.00 Acknowledging Deed 30,00 Auctioneer 10,00 Law Library .50 County 1.00 Mileage 6.20 Cert. Mail 15.00 Surcharge 6,00 Lycoming Co. Sher. 21.50 Law Journal 346,25 Patriot 293.95 Share of Bills 28,\3 Dist.OfProceeds 25.00 Sheriff Deed 24.50 Total $892.04 Pd by Atty. 9-4.97 Sworn and subscribed to before me So an~"r:) ",,~, /;:;/: ~ l.vf:~*.,...".;::,"":.>;!<"! ~i' .....~:."'..rGt:? ~ ...... .,:--~ "'.' . . I R. Thomas Klme, Shenff by . f1.tf!t. _ aln4....J i1 Real Estate Deputy this /0 t;!- day of 1JJ. r.:J~ d 1997 9 t'-- c. '7h.PP.., ,AJA. rothonotary ~ 30.""" (l,.A..le.. \.~v Cl<:..Jf'/fJ- R.... $'7'1)''i . . 4, Name and Address of the last recorded holder of every mortgage of record: Harris Savings Bank P.O, Box 1711 Harrisburg, PA 17105 Mellon Bank, N.A. Mellon Bank Center 701 Market Street, Aim #199-4126 Philadelphia, PA 19101.7899 5. Name and address of every other person who has any recorded lien on the property: None 6. Name and address of every other person who has any recorded interest in or recorded lien on the property and whose interest may be affected by the sole: None 7. Name and address of every other person whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sole: , None I verifY that the statements made in this Affidavit arc true and correct to the best of my knowledge, infonnatlon and belief, I understand that false statements made herein arc subJect to the penalties of tB Pa.C.S. 04909 relating to unsworn falsification to authorities, 6 Date: Respectfully submitted, ~ By Richard C. Ruben, Esquire Attorney for Harris Savings Bank 113 Locust Street Harrisburg, PA 17101 (717) 232-2227 1.0. #27767 LEGAL DESCRIPTION OF 221 OLD STATE ROAD, DICKINSON TOWNSHIP, CUMBERLAND COUNTY, GARDNERS, PENNSYLVANIA .... ALL THAT CERTAIN tract, situate in Dickinson Township, in the county of Cumberland, Commonwealth of pennsylvania, bounded and described as follows: BEGINNING at a point in the centerline of Old state Road (T- 522) on the dividing line between land noW or formerly of Donald E. Bream and Lot No. 6 on the hereinafter mentioned subdivision Plan; thence by centerline of said road by a curve to the right with a radius of 475.00 feet an arc distance of 128.264 feet to a point; thence continuing by the centerline of said road by the following courses and distances: south 20 degrees 39 minutes 20 seconds west, 127.88 feet to a point; South 29 degrees 37 minutes 34 seconds West, 92.91 f~et to a concrete monument set; and south 29 degrees 37 minutes 34 seconds West, 90.00 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 7 as shown on said. Plan North 60 degrees 22 minutes 26 seconds West, 288.16 feet to a concrete monument set; thence by the dividing line between Lots Nos. 6 and 9 North 24 degrees 40 minutes 59 seconds East, 215.80 feet to a concrete monument set: thence by land now or formerly of Donald E. Bream and Lot No. 6 South 78 degrees 33 minutes 33 seconds East, 301.90 feet to a point the place of BEGINNING. CONTAINING 1.8010 acres, including the portion of said premises under and subject to the-dedicated right-of-way for Old state Road (T-522); and being Lot No.6 on a subdivision Plan for Michaux Meadows, Phase II, as recorded in the Office of the Recorder of Deeds in and for cumberland county, pennsylvania, in plan Book 64, page 42. BEING the same property which Karl E. Sowers, Gloria M. Sowers, Lynn E. Sowers, Martha G. sowers, Leona S. Chronister, Chester Chronister, Roger E. Sowers, and Lois Sowers by deed dated August ~~ , 1993 and to be recorded in the Office of the Recorder of Deeds:rn and for CUmberland county, pennsylvania.simultaneously herewith, granted and conveyed unto James R. cr!st and vicki S. crist. -----. SUBJECT, HOWEVER, to the protective covenants recorded with said Final Subdivision Plan for Michaux Meadows and as set forth in the above-referenced Deed. . TAX PARCEL NO. 08-15-0199-025 SOLD UNDER WRIT 0 97-1397 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS proor or Publication Ur<f6r Acl No 597. AnDlovod Mav 16 1929 C_ll....1th ot '.lluylTaJll., COUllty ot Daupbl11) .. ~AforroMl being duly sworn according to low, deposes and says: That ha Is the Asslstsnt Controller 01 THE PATRIOT.NEWS CO" a corporallon organIzed and exlsllng under the laws 01 the Commonwealth 01 Pennsylvania, with Its princIpal olflce and place 01 busIness at 812 to 818 Market Street, In the City 01 Harrisburg, County 01 Dauphin, State of Pennsylvania, owner and publisher 01 THE PATRIOT. NEWS and THE SUNDAY PATRIOT.NEWS newspspers 01 generel clrculallon, prInted end published at 812 to 818 Market Street, In the City, County and State aloresald; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS wero established March 4th, 1854, and September 18th, 1949, respacllvely, and all have been conllnuously published ever since; That the printed nollce or publlcallon whIch Is securely attached heroto Is exaclly BS printed Bnd publlshBd In theIr regulBr Bnd/or SundBY Bnd Metro editions/issues which BppeBred on the 22nd Bnd 29th dBYs 01 July Bnd the 5th dBY(s) 01 August 1997. ThBt neither he nor seld CompBny Is Interested In the subject mBtter 01 SBld printed nollce or Bdvertlslng, Bnd thBt BII 01 the aile gallons olthle etetement as to the lime, plBce Bnd charecter 01 publlcBllon are true; and That he hae personal knowledge 01 the lacta aforesBld end Is virtue Bnd pursuBnt to a reaolullon unanimously paned Bnd Bdopted aeverally by the stockholdars Bnd board 01 directors 01 the saId CompBny Bnd eubsequently duly recorded In the olflce lor the Recording 01 Deeds In Bnd lor sBld County 01 Deuphin In Mlscelleneous Book "M", Volume 14, PBge 317. COPY OF PUBLICATION SALE 118 Sworn to Bnd subscribed b ~g~1997, A.D. NollWlalSeaf I ",t{h Terry L. RUNB. Nolllty III Hamsburg.DaupllnCoully otary Public MyCommi..ICnE.p1'BIJu,-' 1 'L~--,,_ ..' ommisslon sxplres June 6, 1998 ~,...... m.~"_ _AaOOOaIUl 01..... CUMBEFlAND COUNTY SHERIFFS OFFICE CXlURT fO..l'3E CARLISLE, PA. 17013 To THE PATRIOT.NEWS CO., Dr. For publishing the nollce or pUbllcBllon Bttached hBreto on the ebove atated dates. $292.95 ProbBllng 88me $ 1.00 T otBI $293.95 Ji'ub1iaher' a Receipt for Advertising Coat THE PATRIOT.NEWS CO., publisher 01 THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS, newspapers 01 generBI clrculBllon, hereby acknowledge receIpt 01 the eloresald nollce Bnd publlcallon costs and certllles that the SBme have been duly pBld. THE PATRIOT-NEWS CO. By.................................................................... ~ a\ ~ II'l 8 ~~ r ~ x: u.:i: ...: a~ ~ a\ m~ ~ if -, ~ r0- B '" ',:. , LAW OFFICES RICHARD C. RUBEN 113 LOCUST STREET HARRISBURG, PA 17101 (717) 232-2227 . FAX (717) 232.2707 . - .., . H. " , hL f' r.m. i~ti:i:> ~a::, ;1r.~ "ltc" tit,.' iY~~' . i,_I..: l;ki;. ~~~ j.' 71,'".-- ~i~,~_ " k" if/ f:~' ,", ,:~~...l . -... -'''. ~1}':- i!;i', ~.~~ i;Z' ~f ~}U- W:-;< ;~1~.~- :,'.:<':'.' };.~t' \F ~~f' rJ". ~~~'? ~~.;'.- ~,~<':: ii1}'-: :)1{' 1r;t. j~Y~' lU:\.: ,~t;:. ,'." l_G;': "' ;f~1J' ';'-;'1: '\'"" si~:' , ,;.~- . ~{-}~':: Rt~- . -Jio.- ~ al .... C r- 0'''' 1- 8:, ~ wq Y'''-:': ()(~ .}~ fE' :i: ~) ..::: '1;:i ~ " 9r:, (~'l_ ~'" CI ;"./1) u. .12 Ect:! -~ 'Lr5 ~- ;:It -. .,:io... . F =j ~- u. r- ::) 0 en U " LAW OFFICES RICHARD C. RUBEN 113 LOCUST STREET HARRISBURG, PA 17101 (717) 232.2227 . FAX (717) 232.2707