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HomeMy WebLinkAbout97-04094 ~ ~ .~ ... ~ ~ ~ .0 -t:: ~ .... u ~ ., '" ~<t ~- ~~ .~ ~.( ~~ '> ~ c;:) :l'" t.:. ~ , ~. . t _._ NOTE ( ~or(tq I 11 ThorMs Drive, ,,"ohonlCBburg PA ";. ."~.......i , r .t... .. ,."" IlechBnlcBoorR le..,1 170~ ~ Pennsylvania I_I o.,cember 4 q\ .. 19 I. BORROWEll'S PROMISE TO PAY I. ....,. rot . loon .ha.1 ha.. -..ed, 1..-..."'..., U.S S 63. m.oo "pnlKiral"), pi", Inlernl.lo the order oil" Lcndtr. 1k t..dIrit l1tl nllSllAIIl AIIO TIUST COIlPA/IT. A "WK. -... -..,....1llY.6 I .'-Iud IhI, lhe Iftdtr may .tlnder Ihit NOCf. The Lender or .nyon' .hn ..kn Ihll Note by lran\l'cr .nd who It mlllled to rectt\lf pI)'mtnll uftdu thj, NoCf II called Ihe "NOIf HokKr." L l~r.RrST InlCf"CU .1~~ha'1ed on unpIMI pnnctpalunhltht ruJl,mnunt of pnnnpal hat bftn paid 1.111 par Inlfrnllt I JcarlynltoL... ...."... .........,. nc inle!nl ntf required by thIS Section 2 111M rail 1 wdl ~J boIh before and anti' In,. dcfaull dftcnhtd i. Section 6CB)ohhi\ Noee. J. PAYMENTS CAI TIoot.........ofl'l,- I IInll pi) p"lKlplllDd inltreil by malun, ,,)'tnCfttUftl'J' rnonlh 1_I"tnakcmJmonthIYplJ1lWftIIDftlhc..~~.~... ...,00cKhlftOl'llhbcp'n""OII.:~~r:Y.. .~~h. .... ..... .... I If . .9.~.. I ""UIIUb lhat pe)'melul ntr) manlb IIftlallll..., plad all oIlhe pnncipel.nd Inlrma and Iny ocha ttw)n ~.:tahc'7' lhat I m.y owe_lhtl NOIe. M, montlllJ paymmll will be .pphed 10 Interftl td'nrt pnnclpal If. on . .... .~. ...,..... .,... .... ., ...............1 ulllowcamnu.nlludn' IIus NoIr.. wi pi, tholcamounl' ",rull on Ihlt Uk. ."hach" ,allfd 1M "mIIturit, dale." 1_,lImabm,nWMllhl,plytnCftllll .,.... . (Ihl\ .nuNnt "c. lied ......,.k9l !If:fml.l\IlI~.~1Ill1ll\lS1.COM'A... . nr '11 dilerml plK~ If reqwcd by the Note Halder cB' A_ofM.....'I'I'_ M, """'thl, pltmml..ubelnlbrcamoPl ufU S s....6.l....Jts _, BORROlnn RIGHT TO PIlEl'AY I h.a,~ lhe ",hi 10 make pI)fMfth rA pnnapa) .1 U, IInW Ittfon ,hey aft due A plyml'" of prlk1pt1t nnl) iI kJkI"'n.'. "I"C'PI)'mcnt.- WhalI make. ".ymelll.l wiD leU lite Nute HoIdtr In .rit....,hat lam doIa.to I may make a rull P'~ymtRt or pan.., rwq'lIi'.....II.llbcNl pI)lII'U, ,...,1IMftI charp The Noll. Holder ..11 ~ all rJ m, rrcr-ymattl 10 reducfo lhe .MCIUftI fJI ~"pll lluIt I owe tIftdn ltaft !'lOll U. make I panaaJ ~)mcnl. lhere wi be no chan," III lhe dye dllt Of $II 1M AlTK*ftI 01 my ft!M)ftlhty paymml unlC'o, 1M Note Holder .,t'C't\ 1ft _nllfl,1o I~ CMntft. S. LOA" lllAIICt1i If. .... .h.:tI apple 10 1M 10M alld ...." wn......um IoaA c....... IItnan, tnlrrprdcd..n .hal the Iftlerne Of 'llhcf k.." 'NfJ'C' eoU.:ted or 10 N <<II1ecttd ill con.... Mlh tI", kaa. elCftd 1M pmntl1fd hmll\, lhn (I) M, "",h kill" "ha,. \Mil be rtdw:cd bJ lhe &moI"1 MCtuIJ' 10 NdIlCt Itw ,barll'" the p.mutled hmll. and (n) ..,...IM .1~1d, roIl<<ued rl'Oll'l .... .lac" c...w penrllUed IIlRlll will be ftf_ftdcd to fM n.c ~OIC Holder ma, claoow to make lh" ",fund It) reduc1.. ,he ~ I OWl ..Rdtt 111I" Noll or It) malin, . dlred "YfM'At to me U. mund '"""' pnftl;'rel. Ihe ~YCtlOft .w _,,.Ied II....,.. prcpa,lDID&. ., IORROllEll'S FAILl1RE TO PAY 45 REQUIRtD .A. 1....ClwltlerO-OO,.,.... 1(lhcNoct Huklef....lMJI rece*llIIfflllla~"1 ctM, monthtJpI)1MM ~thttndof' Uft~.. .. Clkn4at da...n" Ih,da.." .d...1 wilI...'.t....N....O'... _HoId<r n..m....of............,IIl.. U~ "or.., l"'~dw r-)lmmlolpn~pll.Dd inlerest..-'U pi, l.illattcUr,. promptly ltut _y Pl'lCtOll atlltalr pa,,","I. la,_ If I do Ill1I pa, I" flan...,.,. ~.." 1nCMII1d, ,.,_1 DIItlwdatc II ........1...... "a,,11 cO _.,_ If I .Ift .. .,.n1I. ,.. Note HaIder...y wnd 1M. wrinctI MIl'" IcIh.. me Iliac III drt tMM pi, lhe ~ lmauIll b. . ,...,... dol., .Ilt Not. _ OIl, _... to..., .-...t1, lilt Iull_ 01 ptlIl<lIlII..ll1c_ ..... .... pool and .1I.~ .ntft"l!ll ...., I OWl .. llall...... TltaIUte.... be II .... JO.Y' aft" 1M dMc Oft ......" 1M -'a II ctcll~ or mad" 10 1M IDI ~W_.,_H_ F..n.t. at & tunt ....1.. III...... 1M NoIe HoWat...... NlfIItR WIt 'a pe, 'Mtftcdtalrl) ... "'. u-.m.... .hwe:. the SoN floWn _t&l.... U\lCIIIe""" lOtio." 1_.. *,.11II at . later ttIN IE. ...,_.,_H_..c.....~ If I.... NUI~ ",,.., .........,. ""' to ..., un......., .. rYiI a' dncnW ....."'t. ,hi P\i.lt, H4*kf Win u... tlw r1lhllH hi' rawlbkk b, .. fur all 01... ca-&t aad tlpf'lhtt" cafnn;1ft& Ihl' Note 10 ttIt "11M ftOI ~Ibll'" '" IJlf'haWc la. lha.e~.P""I' ""'..... far................. Itttlf1llJ\' left '. (;1\lM; Of' HOnea l;n~ arrIk:,Nt... rcrq.am. adtltnnt IftCttlt.-t..., 8011<< IMI InU\l hi' ptfIln.. .....Iht\ Note .llI be II"" hy Ikb.fflf1'" tV'" I'IIAlh.. II bt Ani data wwllt' lilt II dlt Pn'f'U" A4rdrN'" Of" a d1fftftt; .....~ I' I ,nC' 1M Sl"~ .....wn . "011<< PI"', ~I addreM. An) .......IIIaI... Wl"ft toW Noel HuWrf .....Ib. NoIa..u tit 'I,," 1I)....mq 1t It) IN dN ..101M !'\..,,~ tll~' .. 1'- .dd.... \ta'ed III ..... )CA) at'll"", or at . ~ add~ It. ""~ . ""n.. 01 'M' ~ loW..... MUl.TlSfATI "nO RAft NOft-_ ,_,_"" - __.r ...,.........'\11,.....".'...._1:.' HUfI'"UIIlIP'" OI,mt.llmt\!l;lt,t 1.11,," ,mlrj"t'''drnllulnt..11' Id' trptlll,n" ,rHlrr u\rd h\ I (''ldr' .nul"n('l..llUll II\llh Ihl\ I"M1, Iillit'\\ .pph,..ttlr I.... r,.ludt, ulht""I", I 'nleu.n illl'nm""t 1\ m.llt I" .rrlll.hle I... 1f'~UIU'\ 1n11'11',11" tw- r..,d. I "0.1('1 \.,.11 nlll hr '''4uHrd In p.) HOrlo"n "I) In!t'''\t m tit,lnm., an thr "ulld\ R"""..,,. ..nd I ("1I.lt, mOl) ""rc In "'11'"/11 hllllt'U" _lh.llnlrrr'l ,hall hfo pAid un thr fund,. I,tndrl ,tt.11al\r 1,1 }lul'I''''rl, "llhuul ,hol'Ilf',..n oInnuill""tOllnllng II' Ihe t UI\d,. \hllll\tn,~Il:dlt\ and dC'''llt !lIthe' tund\ anll tht PUIj"tI\l' 'ur ",th~ h t",-h dC'tltlln I~t fund, ...' "ude Thr "und, .re plrdllrd.., ..ddllllln.1 't'UIII) Im.1I 'urn, \fl u'rd l't) ltm \r~Ufll)' Ins!tumtnt !rlh" fund, hrh.1 h, l.t'nJu unfd Ihcamuunh ~'mlllrd 1.1 b( h...ld h)' ilrrhClhlt law..' rndrr ,hili ilrCllunlln hc'llfflllr' Inr Ihr Uct" hmlh In ~'nHd.",1I' "'llh 1M rr14Ulfrm('nh "' "prhublr I... II the .mounf of IhC' r und\ hrld h~ 1 C'ndrr II In) lime l\ nol ,ufrlllrnt In r.y the huo.l1rm, _htn dut',. tndrr mil) !ill nlltl(~ Borrnwr, an will In" .nd, In \uth I.Il,e. Rurro"t' 'hall p"~ 10 ltnJtf Iht' .m,lunl nrl.c".r~ In mlh up Ihrdrfll.ltnr~ Mml'""'r \h.1I ma~t' ur the drllclen,,)' In nn mort' Ih.n I,*tl\t nwnlhl)' r')"Mnl., all.rndt'\ ".It dlurftlnn Ilpon p.'rMnl an lull of all.tum\ vcuff" by Ih.. 'rCUhl\' In\lrumtnl, lrndu .hlll rfUmrtl~ rrfund In Rutr....tt .n) t unth hrlll b) tender If, undtr """"raph 11, Lrndu ,haU .cqulle ur \tll the Prurrrt)',1 rndtr, pflOf 10 the M~UI'llllln III ,,,,Ie 11' Ihr I'ruprrl). \hlll .ppl~ .n)' Funch htld b)' I endr. '1lhe l:mt' ,,( lC"IUl\IIiUn Of ,.Ie;u I '(Nil "ilnlllhe ,um, ,"ult'd h~ Iht!l. St'CUhl) In,I,umrnl J, 4ppHullo.ul ")fM.II,ljnlt'\I.ppha:.hlc I... prml"n ulht'.wi\C', III pil)menh ncel\'t'd hy f tndtr urtdtr r"..raph. I Ind] sh.1l bt Ipphrd. 111\1, In Iny prep.ymenl cllill,n dlJC undrr Ihe !\lime, "'('lind, In Imuunt. pI).blc under plrlarlph 2, ,hlrd, In Inl('rC',1 due, founh. II) pflnupal dut. .nd 1"1.10 a"y late c,'hif,n due under lhr Nole ~,O"Its; tltM, Boun"cr "h.ll PlY .1I1llu,l\.wwncnh, char,n, finr, and tmpalluon, IUIlhulahle In Ihe Property ..h"h m.) Iltllln pflou,y ow. Ihls Srtuflty Inlllfumrnl, Ind le...hn~ ,'YIMnl, III .ruund f('nl., if .ny Rllt'o..~t ,h.lI PlY lhot C"bh..llon, in Ihe mune. pr"\oM-led In p~I."r.ph 2, tU If nlli paid In ItI.1 ntlnMr. 'Iurru,*cr shall pay IMm on llmedlftCII) 10 Ihe I'fnonu,*td p.)'mC'nl 8nrro." ,hIli r.omrll,. furru,h 10 under III nolicn ol,mll...nh 10 be p'''' und.:, thiS plr"flph, IJ Bunu,,"r m.kttlh('\t' pl)menh dlffttl)'. fkllw'lrC'r .1'1;111 promptl\' fu,nllh to hndrr trUll''' r,,&d~nclR' Ihr p.~rnrnl' BorhJ'lrft ,hall rrumrtl) dl\Chlfl~ In\, Ilfn _hKh h.. rtldflt) o'tr Ihl. ScC:UIIIY In'lrumt'nl uniC'u Runu'lrfr (I.a"ft. In 'A'nlln, to the p.ymtnl oflhr obll,allun murtd by Ihe Ilt'nln I manner ,cu'PI;ablr 10 I rndrr, tb}conCr.h III load (llIh the lien h)', ordrfrnd, "'1",1 rnforamrnl of the hen In, k,al pUK:ct'chtt.s "tlM:h IlIlht tendt.\ opinlan ('Ircnl~ 10 prewn' 1M rnl"rerment uf 1M lien, u. lei K'fOurrs from Ihe holdtr ollhe lien an a'll"tmcntllhllactury to under ,uborchn.t1n,lhe htn 10 Ihis S<<Ufll)' Inltrument. If I.rn&Jn delermlllf' lhat .ny pi" of Ihe Prupt'ny IS ,ub.t<<' 10 I lien ..hlch m"y Iltlln puollt) UVfr Ihl' Sccuril~ Inslrumrnt. trnder mlY 'IW Baflo..cl " nOliL.~tdrnlifYln'lht hen Bonu\IrC'r ,h.nllll,,") Iht hen ur tikI pne or more ollhc &ClUJns III 'unhlbu"c "'llh," IOdIY' oflhe ""'1"' uf nolI<<. 51, HIl.td ot Propert,'nwranrt, BanoVttr ,haU knp lhe ImprO\enlC'nu now eli'ttn, or hereaftr' rrrcled on Ihe Prort:rty ,""ult:d 1,Iinlllou by fire. ha/.rd.. im:ludrd "llhin ,h~ lerm Nulendtd co...eralc".nd an)' otMr hallld..ln.ludln, noo,h 01 n",!dln.. rOI '*hM:h I rndcr tfquun insuranct T1u~ In".ranct ,".U be mltnliuttd In the amuunU and fOf the periods 'hit l..rnder ~\lIrft Tlrt lRsura!'l(C carritr pw\tdln. I he' In'U'I~C shall be eh01t'Ili by Borro.~' ..ubjttl II. 1.-C'fMkr', .ppruul whlcb ,h.-n nul be unrea100nAbl) ....I'''htld Ir 8orro..er fol1h, 10 mainlAin co\eraae dCS(fl~ Ibmt, lendel m"y,.I uDder', upltOn. ob1aln CO'f'CflJt Iu ptOlt'cll.e:ftdtr', n,hh In lhr Property In ICtOrd11kC wfllh p'fq:raph 7 AU In'H:Irlncc pahCICS.nd luC'..b,h.1I be M.'\:cpI.b4r 10 I -r1\dC'r and ..han ind.....'I.nd.rd mort,.. l,':laUK_I.rndrr .hall h.'e IhC' npllO hoklthc pc-oh(:lh amlttRCwal. If U,lI,lel fC'4\tim. Bonu_er ,h.1I prompt I)' 1"1' In Undrr .1II'CttlP" 01 paid prc-mlum!i and leM.,I nOlICft In lhe tvenl ofluu. Borro'ltfl "tI:I'I~ prompl nUla 10 lhe: IRsuranctc.mcI.nd lender I..rndtt m.) m.ke proof of Iou if nol mack promptl) b\' Bt.lno'Ntt l'nJns ltn<kt ;and Bono.er olhrr"llot' 'Jf<< I. 'lrrlllr.I.IO'l.lr4ftl.'f pruL.'('cd\ ..h;aU be .ppllC'd tn rh'M"I:nn or fCr..ir of lh~ PrCl~rl) dam.,ed. " lhe rr,IOf.llun or n:p'lr ~ economICally frl~lbk and hnder" l<<urilY 11 nut kucM'd_ If lhe mlOflllon or repaIr as nol rt"onominlr, fU\lblcor I.rndtr'l Ktllflly would be tnSt'ftt'd.IM Ift\Utlnt;t: rroct'fd,~all he .ppllC'd to 11" \lIm, \tturcd by tlm ~CUf'lt) Inltfllmrnl. .helMr Of not then dur. wrlb Iny urtu paid 10 Borruwtr If 8onowtr Iblndn", lhe PropC'ny, or does nol an''!WI wllhin .10 dl)''' I ftOttcC rrnm I.enderthll Ihe IMurlnc-tcarrier ha, offtrr'd IO\t>Uit. cbum, IhC'n lendc:rm.ycnllttl 1M INur.fK"t' pruttC'ds. lrnder mil' uw lhe procud\ 10 rtp'lI or f"C110rc the P"Ipt11)' or 10 p.) suml w(urc-d by Ihis S<<urit)'lnslfumtlll. ....httht'r (Jf ftOIlhrn due I'M to-d.)' perloo Will tIt,ln .-hc-n lhe nOla II Ii'" Unk... Lender and Bonowef ulMr..iw 'Fee III_rllIn" Iny apphuhon afprOCf'C'dlto pltftcipal ,hlil nol ult'ftd orpotlponc'tht due dateofthtmonthly p.ymenl' rtfcffrd to in "1..,raJlb\ Ilnd 2 01 ch.npt Ihe amount of 1M p.ytMnlt.lfuftdc. paraiflph 211he rroptn)' i. acqUlrQ bt tender. &rrn'A'tr\ rl,htlo Ift~ in'urlfll~ polK:tn .nd proceed, rnullin, ham damaae 10 the PtuJ'Cn) rnor to Ihr acqUI,ihGa ,hIli pI" to Lendrr 10 the Utcnl o( 1M sums ltCurtd byth" SKUnl) In"rumrAI immc~hl1tly prior 101M acqu'loilion ..0<<....'. Prnen-.ttoa. M........... PrMKIkM III. Propert,; IortoWtr\ l.on A"unlioai lntdtoWI. BOff....rr "hili occupy, C'll.-bb.h..ftd II\( the 'ropt") II Borro..rr't princlp.1 ft'sldtftte "Ithtn si-.ty d.ys afler 1M UtcUhOa of Ih" Securil)' Inll.umrnl and Ihall ronlinue tn Ckt'Ur., thc Propert., u Barro....r\ prinapa1n.lden<< fOf II kw OM year Ifter the dllt of ~up'nc). unltls lender olhtrwIK..fft\ in .nlin,. 'Nhieh coalCllt WUttOl he'UlrtUt'nlbly "Ithhrld, 0' .nkuutrnlUiltn,ciltumSl.JN:ftUISI.hKh Ire br)ond Bono~"'(:onlrol ROt.o'H' .hlll ItCll dntru)', dim. Itr Impau the- Proprny, .Uow lhe Proptrt)' to 'clrrwrlle, ttr commil w astr on lhe Propert)'. Iorw'lrrr \hln he indd....h If Ill)' fOrffllult actiOn or prOL:ndlnl, .ht'IM' Qwd orcftminal.lt bqun that in Lcrtdcrilood (Iilh judamrnl coukt ,""II In (ortellu~ ilf 1M Propn1t tlf othtr"'l~ mlltnll1y Implir1ht hm crtaled by Ibllo Serunl)' In"'umcnl 01 lender, WC'unlt inlern1 BOIn.l.er mil, cltre sUl;h a de(.ult and remitllf. as plU'f'lded 1ft p.'..raph II, by caUlinllhc aclion or procttdlft' 10 be di'1tUlwd '-lIh. rulin,lh.-, in l-ender\ ,uod f..th dm,mln.lIoll, prttludn (orfCIIUff or'he R(luowtra Inlfl'nllft!ht Propen) 1'1' olher maleriallmp&lrmrnl uf lhe heA crealed by Ihl\ SKUIlI, In'lru,,",nl ur l('nckr's .tcurlty inlcml Burro.cr sh.1I .1\0 be 1ft drf.ull If Bono..cr, durin, Ihr <<"'n appliutlon rt'ol.'tn.,,\'C m..tt".II)' lal\(' or lRM.'Cufale informahan Of "altmetll. to lender lor lal!t-d h) pro'" bradtr ..i'" any mltC'ri.llftrOnMIlOlI' in conl'ltchun 'nlh the loall nMltnttd b) 1M ~ole, ihdutbnl. byt ani limited 10, n:prnnlltlUlUo cottttrnln. 8(trru.,,\ OC't'U.paM) nr lhe Prol'f'r1)' n. prlnc1pll rttMltftCt_ U thIS S<<.rity Inltrv.mrM is on I leasehold, Borro..r:r dlliln'lmpl)' .iltllaUlht prO\lIU'I1U of the: kbt If BOrTow<< ll."qulIn (fttll~ to 1M Prpprrty, 1M StIMhold Ind lhe (et' 'lilt '1hLl nul mn. IU\~" trndn a&ffts to 1M !nttJCr '" ."Ilft' ,. PI~........rI"""" ........ 11M Prepett" If ....m01U.1 lid" In J'C'rfurm thf'ronnanh.lftd qtft1nrftlsctUuaincd In thl) St(IIf1t~ IMlNlftctU, nr It.c~ I' alr,ll rtOl.."l'n"".lhat m.) !u'l\.fi(ln,l~ a(ittll-rndrr\ fI,hll 11\ 1M Pr\lrn1~ ,,__h a.a 1"",'C,'r.i1n,,,\ "'n"'Url":~, prnbatt. for tUfldrmnaho. or (",'felluft or It! tnf",<< II"" Ilf fTlvlahon'll), lhen hDdcr may do and pa,. 'Of _""e\n " nt\.'f\\Jr~ hI protect lhe ,aluc: uf t~ Ph'lpc")".nd "tndt" ",hu In the Propt") I ,.~r' "'h~' may ilKfloldt 1'I),n. '!'Iy 1Umt "UU'N "', I ht" _hlCh h., rrtunty O\fl tht\ Steurlr,. I..,trumrnt. arpr,"m, In ("('u,I. P.\'lft. fe.bon.blt IttOfMl,'tfti lad '"trflt'll <tft lhe Plllptlt,- hI make It,..." ^ltbt....h It:ftdtl m.ay tah aJ,'1Il,lft "fhk1lhl. ,a,..,rlf'h " I C'ndfor don '"" h."" In do 'lI.\ ,,")' .mOUM\ dl\ltllf\f'd by hMtf .ftdtf thl' pafall.ph ., .hall ~'umt' It.idlClU".1 dd,. ('II Ittlna.Tr ~utTd trl" Ihl' \c'~'\llIh IMtttlIMfI' rfth a..unnIoT,.nd lrlHln &Jret ,,, utbC'f Ittltlt. (If pa~~nl.thcv Iml."'Ut" sh..n hul' ,nlnn' ftomltwdl\t'n' dlshu~mC'"1 at ,he t\ute rile.. sh.1l tit: pt~'JWc. _"II ~nrt""l. Up'," '"""-'\' lrom hndn I" lon1.l~r f'flolutdt"f J'llmtftl .. 'I....." 1...Mt- It I tftder lTt(uunl nwrl.tI't1n'UfI.tIre'.t "",tf'll;I;,'n,1I Itlal''',Ihf 10f," .rt\lfN "" Ib" Sn:\lNl\ In'lhl~nl. Ikurt\~r ,,,,_It P'Y Ilk IIrtmunrn m.{lIlrN Iu ,"'lnt'lft Ihr m...,t.... In,,"aR<< 1ft tfTf\.1 U. (", any rta\oft. lhe m''".~ar tn'~Haf\\'1t co\erqt r.q,und ~\ Irndt:f 1arV\ Of l"CaW\lot be Ifl rnC'\" "',"o.n ,hili p,)' tlt-t rrt'mlllm. tf14'h.f1I III "tH..n ,-U\t'f. ,uh\I."Ii.ll~ f'QU!\iiC'I'!' Ill'''' m.w".1t' u",.,."':'t ~ ....nu,1v 1ft C'ff<<t..I. t;l~ \lIht'~"halh f\I~\.d-nl ht ItIt (I't\t '" 8tlttu'tll1'r ~ IhI' I'I'ltHttl..", ,..JMt .... ~:.oIf~'j ;-,~dfl'!I1I'. till Inluranet ..ft\'l\lI.nl~ In rffrtt. fwm an _ Ie mort.a.t Inturtr apptovtd by l.end,,_ "nlaollally equl',.altol morl,a.e intutan tovu"c" ooll\"ll.hlc, Borrowc. ,h.n p.ytn lender each munlh. lumequallo onc.,wc:umof Ihe yutly mCltI.aae In'uranu ptemlum tKln. ".aId hy R4utlJwcr ..hen the m,uranccco'*fla.c lap\Cd oruued 10 be In dfecl l.tnder will Kttpl, U\f and rellln IhclC' paymenll u, Iou rt~r...c In lIeu of mOltlalf mlurafk't.I.otl 'twrn pa~men" may no lnnrcf be required, at lhe opllon of bnder.lf morl.a. m,urlnee clI...er"c(lo the amounland IOf tht period Ih'll.ender rcqUlttl) provided by an Inaurer appro...ed by undu ,,"n bctomaa"'ll.blc.rMS It oht.lned Borrower ,h.1I pay the premiuma ,equlrtd tn mlmlain mort"1f m'Urlnee In dfeet. or 10 pm\'lde alon rtlt",e, unlilthc rcqullcmtnl for mortl'" inautln&:c eneh tn ACcordance "Ith any wrillen a.r"menl bctwttn 90rro'lf'tr and l.endu or applicable la... '.Inapttllon. l.tnde, nr I" a.nl may mike ,ulon.hle rnuiel upon and inlptehnna. or Ihe Prort"y under thallll~e Rorrower Rollct al IN lime of or pflo' 10 .n lnaptction lpeclfytn. rcllu.,abll caUIot for the Inlpedlon It. Cond.mftltloft.lht procctdl of .ny t..ard Of c111m for dam..ta,di,ect 0' conwqurnlial.lnconntction ""llh Iny condemnllion or other takina of an) pa" of the Property. or for (on'Wcy.ftCe in lieu of condemnahon. arc M,eby ...iancd and .haU be paWl 10 Lender. In thee...ent of atotallakina of lhe Property.lhe protmb than bcapplied to Iht' lum,lCCurcd by thi. SccvnlY InUrumtnl, ..helheror not Itltn due. with any ucn. p.id 10 Borrower. In Ihe c"nl of. partiall'''ln. of Ihe Property in which 'he fllr market value of 1M Propeny Immediately bdnrt tbe Ilkin. LI equal 10 or Ift"Cf than the amount of the luml teCUM by Ihi, Seconty tn.lrumenl immediately before the takin., unku Borrower Ind under DlMr."" aart( in ..ntina. tM tumt \Cc:ured by thit Security Inllrumcnt ,han be reduced by ItIt amount of lhe proceedl multlphed by Ihe follo..in. fraction: (I) &hi 10'atamoynl ofthi' lum.lKurcd immtdi'lely before 1M takin,. divided by(b)lhe fl" mar"el nlueohhc Prope")' unmcdiltel) befon the la"lnl Any halance Ihall be paKS 10 Borro'WrCr.la thcnt1\lor. pania1I,..ina 01 the Prope,l) in whICh the I,ir mlrkrt value of 1M Proptny immediately before the I,"in." tn, Ihan tbe amollnl oflhe lumlltC:urt'd immediately brfore Ihe tlkin., unlell 8orrower and Lender othe'.11C a"ee in .nhn, or unle.. applicable l.aw olherwise pro'Wldc.. 1he proccelh Ihall be .pplied 10 the lum lKurtd by Ihis Stellrit)' Inllrument whelher 0' notlhe lumt.re dlen d~. lflhe Property ~ ab.ndoned by Borrower. or if, ,fler notICe by Lende, to Borrower Ihat the c:ondemnor offenlo mike an ..ard or Kttle I claim for damlp", Bono..er (lib 10 rtlpond to lender within 10 d.yt aftcr the date the nOlice il &inn,lender Illuthoriled 10 coUett and apply Iht prO(Ctdl, al tll oplion, either to reuOrllioD or "pair ollhe Property or 10 the IUml lC'Cured by th\l Scatrity hnuumC'Rt. ..htther or nDllhen due. Unln,l.tndcr 11'Id 80rro..er ulherwisc "rtC in wmin., any application of protftch to p,incipal'hall nol elleM or poItpont tM due date of lhe monthly payments rdcrred 10 in parlltlph, I and lor cbanac tbe amount of luch p.ymenll. n. Jorrv"" Not ..Ieut4; FcwWua.u ., l.ftI.... Not. Wa&.". htcRlion or lhe time for plymcnt or modiflClIlOII of amorhzallon of the lum,sccu,ed by thit security h",trumenllr.nlld by under to any suceeuor in inlernt of Borrower shall 1'01 operale to rcleuc the liability oflM orilin.1 BonoM,or 8otfo..cr'slucCCUOn in intert"t. Lendc. sball ROt be requlrtd lucommente procecdinas l,ain'l In)' sue""o' in internl 0' refuse to ulend lime fot payment o. Ol.htrwi~ modify amortizallon of the ,..ms secured by Ibis S<<urilylnstrument by rtUGn of any demlnd m.de by the o'\ainaJ Bono,,"er or BotTOM" lUCC6!ioon in inttrtll. An)' forbearance by Ltnckr 1n ue:rcilln.any nlhl or remedy lhaU nOl be' . .al...er of or pruludc the uemse or Iny n.ht or remedy. U. Sueeeaan ... A...... loud;: JoInI .ad Sf"... u.....,; Co-SIp"', Tht co~n.nt' .nd qra:mrllll or this Smarit)' Inslrument ,hili bind and benefit lhe luccessors aad wilns of Lender and Borrower, .ubj<<t 10 lhe proYilioM of paraar.plrl 17. IWrrowcr'l covcnant,and ..mmenlllhaU be jOint and ..ever.t Any Iouowrr who co-sians thls Scc:urily Instrument bu' dan not e.talk tM p.;o,,~ (al IlCo.si,nin, this Secyrity hUlrUmeftl only 10 mort......rant.ndc:on...ey Ihal Borro"r', internt in the Property .aderlhe terms of thll Seeunty lMl.rumcnt; (b) is ftOt penonaUy oblipted 10 p.y the ,ums lKurtd by this SecurilY lnstrumtnl~ and (cl IfTtCI that tender ,Dd In)' ottler 8orro'WrCf may aam 10 utend. modJy, rorbear Of make any accommodations .ith rt.ard to tM term. or t~lt Security Instrument or the F\ote wlthoutlhat RonoM'''' conKnt. I). Lou OlarJtI.U lhe loin lCC\Ired by l)lll SeurllY lMtNnw.t ... lublfCllO ala.. ....hich Iotll ma.imdm klln ch,,1f' and lh.t I.. it finally interpreted to that tlte inlffCll or other loan cblflCl col,""" or to be coUected in conlWnlOD WtUt 1M loa8 e1lc:eed tbe pmDlltcd Iimi1,.lhen; (Ilany such loa. cbarJt thall be rcductd by the .mOU1\l nccc:sury 10 rcdIXCthc cbarac to lhe permitted lilllit; ud (b) UJ lums .lready coll<<ted from 8orrowtfwbiclt.ucceded permiutd limitl will be refunded to BorroWft', tender may cboolC to mate thll mvnd by ~ucin'lhe princIpal owtcl under the Note orbyma..in.adl,", p"meft1 t\l Borrower. If a rerund rcd\KnpnftClpal. thcredvctioRw"lbc trnted u a pan I" prc:p.ymenl ..ithOUI aay preplymenl c~rlf unde, 1M Noce ..t. Notlc". A.n)' notKe to Borro'lf'C'r pravtdtd for in Ihil Scatrit) Instrument sban be J)vcn by deli.."uin,1I: or by madi", it by firsl ctau mail unlns applicable law require, use o( anolhet mtlbod. TU DOlict ,hili M difttted to Ihe Prope")' Addms or .Ily Dlher Mdrtll 80rrower dell."ale$ by rlOhtc 10 Lender. Any notice to lender aMJJ be ,trtn by finl c\w mail to lender', addre.. Stltt4 hertin or aft, olber addre" Len4et de'li,nlttl by notier: to BOmJ'If'C'r Any n01l<<pro\'wlN for In Ihil SecunlY In'trument 'Ihall bc decmcd to hive bees '!'fen to Borrower or Lender .ben ai\'tll u ptoVlded illlhi, par....h. I!. GOVtfll"'t t.aWi St.....WIitJ. Thil SecurilY Inslrumenl shall be .ow..-d by federalla.. and llw Ilw orlhe jurilebC'ttotl ill .tlicb 1M Property it Ioc:.ted. In IMCYtftlth,la"y proviaion orcin" ofthil Security IftllnarRtnl oUM NotCconOtC1I.-ilh apphc:ab&t I.w.tuth conflic1 shaU not affect OIMr pro"'KIOnl of thia SeclU'tI)' Inwumcnt or the Nott ..hKh can be .ivclli erred wlllrlout the cODflidin. prO'Vitioa. To Ihll end lhe pro,"ilion, or Ihil Securily Instrumenl and the NOlI an: dcd.rtd 10 be $f:vcrablc It. lorN"," Copy. BonoMl' thall he Jt'tCft ont c:onfonned copy 01 the Note ud of Ihil Security Instrument. 11. T........ 01 11M PropeftJ 01' . IeoIMftdaIllttitrttt I.......... U aU or an)' part of lhe Property or .ay ~ntcrnt in it is loW Of Inndfmd lor if a bcRtfK',.llftternt in BOffowcr il iOkI or Inntferrcd and Borrower ta ftc:M. . "alural penon} without lendn" prior ....nuen conlltnt. under m.y. al ill option" require immediate payIMnl in full of all sum, fCCUrcd by this Sennl, lftltrument.. Hawna'. Ihl' ophon lhall not be uef'tlM'd by l.tndtr If uen:iae ,a prohibited by feck,alla.. .. of tlrlc elate of thlt ~rily lnatnamc.'. If lI:nckr um:ile&lhis optton.1.cftdfllhan Jtve 80ft'ower notict of ,",R.,.Ilon The: QOl.ce shall pro.... I pe.nod of ftQt "" 1""lO daYI from tM dale tlte "otice it ckIivered or 1ftIi.~ wilhin _hac:' Bot.owe:r Mutt pa)' all 11ItDI H't\Irtd by this Stewil)' lallNftIItlt. If 8orro'*Cr fllb to pay Ihnc 'Uft'l) prior 10 Ihe uriration or thit period. ltndC'r m.y ",.ote afty rtmtehel Jl<<f1Iutted ~y lhit Stc\arity Iflltrumt,,1 ..,thout funhet noha or demand Oft Burrower. ...Ion........... ,. ........11 BorfoVtCr mttla ct:naira conchtloM, Ionowcr .hall have 1M n,ht 10 ha'" ettfOn:ftM1t1 oI,hli SecUrity Inmumtnt dlKOftlllulfd .. Iny time ~nor 10 the eartlCt of: (al J 4." (or IlKh otbtr period u .pplica...... my ,peal, for tcm"llcmtnl. brfon II~ of Itw Propeny punua,,' 10 any powt:f of.." com.I'" \ft Ih" SecUrity l""rumI'''t. or'b}talr)' of aiudtftWfll ctlfurtinlthit S<<unly InlmuMft'- nOM condtllO"t art Ihal ttorrowtt ell pays under aU '''1M .'uch then .o.w be dlitC liIf'drr '~II S<<urilY Inslrvmnt and 11M: ,,",ole It uno acutftauoft hid OCClltred:; (b' cum any defa,,11 of .n, oChtf coytftaatl or 1I,._"t'(c),.,.. all upcnltl incllrttd In uforclI'l.lhil S<<:UltlJ In'trumUI, inducUna. ht act bnule4 10. rtllon.bk .nontey,' f.... and (41 la'" ._~ lc:IW)n u lrndt'r may rtltonabl, rfqlllrt:lo ...a,ut thai the Mn ofttus Security IMtf'UlMftt.ltftOet" rllh" ItIIM Pro..", aM Iott(nttr't o~hlallon to pay 1M: IUrftlllecV.t"t'd b, thIS Se-clttlt'f IRlIllItncftt ,haUcont'ft'" YftCh.qe4. Opol' reuu'"emCDt b, Ionowtf. t.... SKu"t)' 1".'rument Ind Ihr: Dblll.lion.Ii1CAM herthy than ,(mall' fully rfftc1IVC as d no tcet\rraliofl had ""\lUg "o_ver. Itu, ,tpt to fC'IIlIta1e 11\&" Ilot a"ply 181M cue of a<<dr:Alw.n ua4tt p&'". " ... Sa" erN.... 0.... er..... 51n1nt. T1w Noteot a partial iruernllft 1M Note (IOptl'l<< MIlt Ihlt SKumy 'nstntlM.UN., \Ie .old OM ",r man: tlmft .1Ih(lul pnaf notw:c to I:ntro", A sale mI} ruylJ 18' ('h.. '" 1M entll) '''11IO'''' Ii lhe "'loaa StnIlCt" tHl ,oll<<t, mOMMy ,aymrnt,liuc uftdtt Ihe Note aM 1hi, Stnlnty lut",mcnl- flit" alao tn.., be aM 0' mort d,uan of IN loen Stn-df Yflnl.ttd 10 a "Ir of I~t Note If theft tll ,"anJC' ('f lhe l uan Senktr. .',ro"" .1" bt .''''. ..nltttl. ftl'llCt of 1M cltlftlt 1ft 1t.'C~ 1;tlttl pallar.ph 14 abo'*e and a"phc.ble ia.. Ttw l\u4l(t ..lit ttltf 1M IIlmt and _dm.. fl.fllw M..loan lWr\it<<'.... tM...w"", 10 _luI:h pl)mcn" \ho\lld he made The no"n Win .1", (""laiR an" 011\(, Inftlt1M1lOf1 ma\li.rN by arrtlcab&e bI.. ._)I1tlt."" "..,,,...,..,.., i:1ii 11118 ,,,, 11 "'J IO,II.urduu, :"oIumllnu,.lItlrtll'Aocr ..11.11 nlll ,Au't III J'f'!rIl,llhr l"r'K"n~(', Li\C'.II"r"'ill. \luriolf!C', lit rdUlt 01 .n)' H.a/dIlJlIU\ ~u~..I.nn" Iln llf In tf1r I'wrttl)' Iltltw"C'1 ,holllnllr Itn, nm .;luw iln)rlmr C'1~t hid." .n)lhln, i1l1t'fl;ng the' "fllrt'tt) Ihlll.\.o \Utl..lllln of .4"\ tn~ ,,"nmcnlall.a.. I be flfC'u'd1na '_II \tnltnu', ,h.1I not ill'ply In IhC' rTt\C'nrC', u..c. or 'In',,!rt' IIn lht' ProPfn't of Imall"lu.anl,llu III H"."luu\ ~lIh..l.nn." 1hil' .'t' Jfnrrall.., ttc'o'!1l1rd III hr trrfllJn..IC' hi n()fm,1I rntdrnl..l U\e\ ,,00 III mllnlcn.ner of Iht Prnptt1lr HlIrrmr.rr ..hMII rrllmp11lr 1(1H' I tndu _fllll:n nol.cr ul.n) m\t\h,'ll11n, d'lm, dC'm..nd.I.........1 tit tllher &(IIUO by Iny ,o\-rrnmenlll nr 'rllul.hlr~ .._tun, m rm'.trrilrt\- 1n\"I\'IO,lh(' Plllrrrt, ;;wi.! .any 1f.'i1,dm.. Suh'l.m\'('ur I n\uonment.ll.a", of....hlCh Bl)rro_cr lias OK!l.I,,1 ~nl)_lnJ..'t' II Hu,ruwC'r In,n,. 1111' nUIllltd PI)' .n) ,o\rrnmrnlvl n, rc.ul.llnl aulhl1fII~.lh.l.ny ,cm..nal or ulhcr reml.lllln uf .n, H....mI\Ju\ \u"'l..ncf ;llfC'l:lln, fht ",".f't"l) l\ 11C'I;C'\ury. 8orro.C', \hall rfPOff',I) 1...C'.1I nC'''~W1r., rC'mtd'iilllCllons In acCllfdlAl:C' "llh tnHfOnmtnhl1 a. As u\N In Ihl\ r""'1"rh 2tI. MU../ardnu\ Suh\l.nrt\M lit' It!tt~ \uh\I.FK"fS dclmtJ 1\ 101lC 0' h..,.,dtlUS 'ut",.rn:n b~ t'nUfunmcnl..r I.... ..nd Iht lulln....ln. mb\lll1t.t\ '1\l1hnt. ~t"{lw:nt. ulht' n.mm.hkljf lllll..' rC'IJult'um pwchu:I'.IIU.I( pnli"'ldC'\ and htJtuodr\. \"Iiltllt \lIlu:nh. m.'tu.1I wnllllnlntl.l\t!ntm 0' fmmllldC'hydr. Ind '.ch..IM:!I\( miittrl.ll, A, u~d in Ih'l p"','lrh 2U. M' nurnnmtnl..II....... rnran' ftdtullil,*\.nd 1.,,\ ullht JUflMICfttln "htff Ihe Pf()ptrl~ 1\ lc'l.:IIN Ih.t ,C'lale 10 hullh. ,..fC'll u, C'ft\'I"'n~ntal (Iwlt\1ltm M)S.'J~IF()RM CO"'."^' IS HUfro"c, Ind tender lurthC', cunnanl .nd 'PC't in lolln....' 21. ACCllrfllion; ArrM1llft.ltn.,,"'.u Inr .otiu 10 Iorro." prktr 10 .ru....lion loIlo.lnllano.,,', "'tarll 01.., rown.... Dr .PftIUnt la.llk SIt..,it, I...r..m (II.. DOl prior 10 .ntmllon und" p.n........ 111m.... ."Ucabl. II. prowld" 0I1ttr...,). "'.4" ,hIU.oIlI, Bemo_" 01. ItnOIIl odatr Ihinll: CI. 1M drluh; (II.'IN .rlkNI req..lrtd lu rurI' lilt dtr.uJt;(r) wIItn I.... ItflUh..... bt cur"; In41..I"I. I.Hurt to rllr~ m. .....ull.. .pHi"" ..., rNl111n .cctltnllon olth, 'uml wturt4r., 11th SHuri', 1,,'ruMrnl. r",rctoMIrr II, Ju4lclal "aurd'"l 1M ..Ir oI.lIt I'YupH1J. had" .. Iwthtr .fur. Icwra_fl' of lhe rllhI to r.lM.... .n" HrM.._ ..41 tllr ri.... 10 ..wtt la 1M lortc:lCM....t ptOC'Hd"'llbt aoa..nkltMI 01. dtl...1I or UJ oflNt' .eI.... of &uno." 10 UC'tItrarion.nd ICM'H'kKllfr.IIUw dtf.... h aett I'U," I' IpftUMd.l.ndtr.. ih ppt~ .'J ~"r ,..ntH... ,.'....1.. full of .lIlUfIlI WfWH II, Itti, SHut")' ImlFUlMllII .."lOul I.,tlter dr..nd.nd..., londOM I"" Stcurit) ."'Irunlttll by judicial proeminl...tnd" .... N tnUIII'd let fnll.r1 .11 nptDlft IMII"rd I_ punulnl tIM "..t4in prowi... ........ p".p."U. ......... .... 101 u.iltd 10. IIfont,,' ,,,".nd fOIl. 01 litlt ttid..t to .111 nlent ptnIIiIl" It, .pplk.W. Ia.. U. .rteaR. I'ron p.UMnl tll .11 ,unu \ot\un:d hl this S<<umy Inmomrnl.lhlS weu"l)' In,u1,ImtfU Ind 1M ntltC' ron"c~~ \hall Icrmln.lc and brcnmC' Hlld_ Aftrr such ocrUHCn('f. l.rnder ,h.lI dl\ctuI,J'C' Ilk! ~11~ry thIS ~t,unl~ In\lrumcnl llllllhout ('harlC' 10 Rnrm.....tr 9otftl~r \h..U p..y an., r<<ordlllon eml" U. "i.h'rn. Burru..C'r. In I~ ntC'nl J'C'rmlUtd b~ apphuhk I.... .alYn and rrlea~' any cr,or or defCC',. In pmcttchn" 10 rn(Qftt 11\1\ S<<utll~ In\lfulT'IC'nt. and htrfb~ .i&I"n Ihe Mnd.1 "I any pfTVnl or fulurt I.., p'o,""'ln, lor "I, of' uttUltoa. tl.knlion 01 IImt. utmpllon from IlIlduM"I. Inv and ,..k. alld homnlud f..rmptlon J4. RtinttllttMtd Prriod. 8otroWCf" Ilmt 10 mn\t.:c pro\'idC'd In p~",'.pb II ~hlll nttn\llo one hour p,i01" to 1ht commcn<<mtnt or btddulIat I wratn uk or 1Ilht, uk pursuant to lhit S<<unl)' In"trument n_ ,.... M~, ~tort..I..1f an\ of tht- drhl vcurtd It) th" StClu't) In"rllmC'RllS lenl to Borrower 10 acqUIFC 11'1t 10 I tar rr()SWr1~. lhti See""I\' I,,"rumt-nl ,hall be' I purtha!liC' monty ftKI".... U. 1111",", R.lt Aft" JMCI......lloffn.C'I' IIIItrt''' Ih,llhC' ."IC'tnl 'alf' pa.,..blt "-1C'r.. JUd'mf'nlll cnlC'red on 11'11' Pltorr or In 11ft Khon of morl,11f' ft)uckHurc ,1'1.11 be 1M ,.tC' ,..,.bk rrom limt In hIM undf'r 1M NoIr Z1. 1I&den.a .lIiI Stcllrit, 1...,-.... It Ill\(' 1')' mUlC' ,.drn are nrN1td h~ larro.rr and l"C'Cordcd loJfthf'r .llh Ih.. Sf't'uflly ht"ullmcnl.l~ cu\t-nanh In\l...~mrnll ut tach ,t,Kh ndf', ,1'1..11 t'If' Il'I(orpontf'd IntO.nd .hall.nwnd IftCIluppkmtlltM rmornlnn .nd ..,'C'ttMnh or thl' ~U'II., "",Ifumrn. _lIlhC' rtdC'"" 'A'C'ft I p.rt of Ibll 5<<..nIY IIlI.lrUlMftl.IO.c;1L appbcablc boJ.tC'\I) ~ 0 AdJuiotable 1t.1C' Ra(it:, 0 CondomlnLum Rider 0 I~ farad)' Ride, ~ ~ I ~ U Rilllooft Rider U (iradllllcd PI~mtnl Rtdt-r U P1annrd Unit OrndopnwM R.r U R..IC Impro\'tmcftl It., o fllWftUy Paymml Rldrr o ~ond Hnmc RIlIn 'r"'"'f, 0 (lth""lI'r<<,f) I .,. SIG'II'\i(; BELOW. 8orrnYrf'r a:ttpl' and 'Ifct\ 10 the Itr".. ,nd tOw.anl1conlllntd In Ihll ~unl)' IMlrulnCnll~ In 1fI)' ndrrW Uec;uIN b)' Borru*C" .nd l'fCordtd ",uh It W~MS," ~, '.~~ ,t~ .'.t.~. \ - ~'- ,.. /.....~.. .H::~t/'~..... ... ...' ., .rt..tL!,.....,;2/. ~,,'I<Zl.....,..., IS...) ClarP.fK"f' II. H!tnly (II? --Bnrru.t' 2Io-~4-4qn Soctaf Sm.n., "'""tin .,. - (Sull .Ior,,'." )OCIa1 'StNnl, !lliUftlhn . -,................... \. I. 1l1"...~.t'''I1HO.'l'''U\-'''I'' Cl.l'!ix-rland . t....,..::..:.~~..ll ............-.!1.h. __._ ~r II 91 ......._ __ _ ~~..... , IJIt...tlPn......~<Rf,,...-.ti,~ J:1.ar~ He.tnly-1ll. _ ......_"1.. .......'1......~' ' ......IMIIIM'I~I_ 1~., _.___"JliH,...lIoto.......,........__lI............. '1: '..[ ~.. .., .. " . .. "Il'(.....__t..,_,..........".~~ ," _oJ ...i - .........,.. :;,~=:.:t'_..."....-::-"" -~l . I. ..,/.~...';-..~.,. ,....,) . I ".' '" r.':-'lJY f', . . I". ..Rl. \.-! <. r.'.:.. U.,/I'7'~ l~.. '.... Q. l~:~" -- '.....4..'_ j ~ .fd4,(il.i!"~ I......" '_"1 R811111 ,-..'\. ....,,..,l..' I'" ...~'loll ""'.n..... .1_"",,, ~I" """ "r.p, SI. I'll!! )\t) """"'.nlcol1urR PA 17m' '.'~~ 111111 '\" 1 WII '''' an ft.. ',....'.1...... zz~:} ACT Jl ~jCT[CE 8S206-1 IMPORTANT: n07:CS OF WJMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAN PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH Cfu~ SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS JANUARY 21, 1997 CLARENCE H HEINLY III RE: LOfu~ NUMBER: 707297 PROPERTY ADDRESS: 11 THOMAS DRIVE MECHfu~ICSBURG PA 17055 PO BOX 1364 MECHfu~ICSBURG, PA 17055 YOU MAY BE ELIGIBLE FOR FINfu~CIAL 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 CIRCUMSTfu~CES BEYOND YOUR CONTROL, YOU HAVE A REASONABLE PROSPECT OF RESL~ING 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 ARRfu~GE AND ATTEND A "FACE-TO-FACE" MEETING WITH A REPRESENTATIVE OF THIS LENDER, OR WITH A DESIGNATED C.:J:,.5u;.tE"~ l.:{"{=::';:;::- C:':::~3::::"::iG A~t:.~:(:',t. n-i~ ;:':R::CS=: OF THIS MEETING IS TO ATTEMPT 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 (30) DAYS AFTER THE DATE OF THIS MEETING. THE ADDRESS AND TELEPHONE NUMBER OF YOUR REPRESE~ATIVE IS: PNC rwl0RTGAGE, 539 .s.::r':"'-:'~i -:-:,t;?~7E ;.~:=:~j.~~. . '::-.::7",.::,,:,:::, KY ..C2G2 TOLL FREE idOO)736-9090 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 !~O) DAYS. THE TOTAL ~~OUNT OF THE DELINQUENCY IS 4.366.11. THAT SL'M INCLtiDES THE FOLLOWINC: . . . . . . PAYMENT "''lOmrr PAYMENTS NOW DUE LATE CHARGES RETURN CHECK CHARGE OTHER FEES LESS u~APPLIED rL~r~ 1,162,04 3 847.14 2;;.00 7,B5 ,00 3.3:2 ,:.; - 2 IF YOU HAVE TRIED ~~D ARE UNABLE TO RESOLVE THIS PROBLEM AT OR AFTER YOUR FACE-TO-FACE MEETING, YOU HAVE THE RIGHT TO APPLY FOR FINANCIAL ASSIST- ANCE FROM THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE FL~lD. IN ORDER TO DO :'HIS, YOU ~lUST FILL OUT, SIGN AN;:! FILE A COMPLETED HOMEOWNERS' EMERGENCY ASSISTANCE APPLICATION WITH ONE OF THE DESIGNATED CONSUMER CREDIT COUNSELING AGENCIES LISTED ON THE ATTACHMENT, ~~ APPLICATION FOR ASSIST~~CE MAY ONLY BE OBTAINED FROM A CONSL~ER CREDIT COUNSELING AGENCY, THE CONSUMER CREDIT COUNSELING AG:::NCY WILL ASSIST YOU IN FILLING OUT YOUR APPLICATION AND WILL SUBMIT YOUR COMPLETED APPLICATION TO THE PENNSYLV~~IA HOUSING FIN~~CE AGENCY. YOUR APPLICATION MUST BE FILED OR POSTMkqKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING. IT IS EXTREMELY IMPORT~~T THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. AVAILABLE FUNDS FOR ~~ERGENCY MORTGAGE ASSISTANCE ARE VERY LIMITED. THEY WILL BE DISBURSED BY THE AGENCY u~DER THE ELIGIBILITY CRITERIA ":"~-:"'. ':'::- .. :-::.:':'"'~. '="v ....~~'":" ~ .,...,- -..... .--...-..-.- _. .....- ..-.. IT IS EXTREMELY IMPORTANT THAT YOUR APPLICATION IS ACCURATE AND COMPLETE IN EVERY RESPECT. THE PENNSYLVANIA HOUSING FINk~CE AGENCY HAS SIXTY (60) DAYS TO MAKE A DECISION AFTER IT RECEIVES YOUR APPLICATION. DURING THAT .;';:;CI7:')):.~:" T:'i"I~, ~.;o ::,:;,:::~::.3~~=': ~;;.C::C::::2,';::;.::;5 W:LL. BE ~UKSUED AGA::;S7 YC'W IF YOU HAVE MET THE TIME REQUIREMENTS SET FORTH ABOVE. YOU WILL BE NOTIFIED DIRECTLY BY THAT AGENCY OF ITS DECISION ON YOUR APPLICATION. THE PENNSYLV~~IA HOUSING FIN~~CE AGENCY IS LOCATED AT 2101 NORTH FRONT STREET, POST OFFICE BOX 8029, HkqRISBURG, PE~~SYLVANIA 17105. TELEPHONE NO. (717-780-3800 OR 1-800-342-2397). PERSONS WITH IMPAIRED HEARING C&~ CALL (717) 780-1869, IN ADDITION YOU MAY RECEIVE ~~OTHER NOTICE FROM THIS LENDER UNDER ACT 6 OF 1974. THAT NOTICE IS CALLED A tl:':r'~""":: C'F "Y~:;~!T:':'N TO tC'?_::::L.'":.3r~R:::fI. YOU MUST READ B07H NO:'ICES, S:NCE 7Hi::1 ;.:.. T:! ~A.:r~';:~ R.:::G~7.s :~~;: .~.~~ r::;i HAVE UNDER PENNSYLVA1I:A LAW. HOWEVER, IF YOU CHOOSE TO EXERCISE YOUR RIGHTS DESCRIBED IN THIS NOTICE, YOU Ck~OT BE FORECLOSED UPON WrlILE YOU ARE RECEIVING THAT ASSISTk~CE. VERY TRULY YOURS, PNC MORTGAGE COR? OF k~ERICA CUSTOMER SERVICE DE?~~~!ENT COPY VIA U.S, POSTAL SERVICE '.FEDERAL LAW REQUIRES THAT WE NOTIFY Y,)U THAT THIS IS ~~ ATTEMPT TO COLLECT A DEBT AND ~~Y INFOR~\T!ON OBTAINED WILL BE USED FOR THAT PURPOSE. · 85206 PNC MORTGAGE CORP. ~. ~~ERICA 539 SOUTH FOURTH AVENUE LOUISVILLE, KY 40202 22118 BS207 JANUARY 21, 1997 CLARENCE H HEINLY III PO BOX 1364 MECHANICSBURG PA 17055 RE: LO&~ NUMBER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 11 THOMAS DRIVE MECH&~ICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,162.04 FOR THE MONTHS OF NOVEMBER 04, 1996 7E?.sr':2:-r JhrnJARY 01, :?~i. :...;:-::: '':::A.~:;=:S ~~:J C::':1:2 =;~A..qGES H)~V= ALSO ACCRUED TO THIS DATE IN THE AMOUNT OF $ 872.14. THE TOTAL AMOUNT NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. '[CU ~1A,[ CURE THIS ;:;;:;FAU:'T I.,:TE:;-; -;:i-iIR';:'[ (3], :';",[5 OF THE DATE OF THIS LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 4,366.11 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH ~~Y FALL DUE Du~ING THIS PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. 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 AMOL~T BORROWED WILL BE CON- SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE ~=..::;:~jAL MORTGAGE :~: ','')NTHLY INSTALLMENTS. IF FULL PAYMENT OF THE Al-lOUNT OF DEFAULT IS NOT MADE WITHIN THIRTY (30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAW- SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY INCURRED, UP TO $50.00, HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED AGAINST YOU, YOU WILL HAVE Te cAY THE REASONABLE ATT~?NEY'S FEES, EVEN IF THEY ARE OVER $50,00. ~~y ATTORNEY'S 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 ATTORNEY'S FEES. WE MAY ALSO SUE YOU PERSONALLY FOR THE L~PAID PRINCIPAL BALANCE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE. I F YOU H,WE NOT CURED THE DEFAULT WITHIN THE TH!RTY (30\ DAY PERIOD MD F0RECLOSURE PROCEEDINGS HAVE BEGUN. . Y.)U HAVE THE R!GHT TO CURF: :'HE DEF,:'\ULT k\ND PPEVEN7 THE SALE AT ~~y TIME 35207-2 PAGE TWO JANUARY 21, 1997 7072 97 WP 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 OTHER CHARGES THEN DUE, AS WELL AS THE RE~SONABLE 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 ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE. 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 k~Y TIME EXACTLY WHAT THE REQUIRED PAYMENT WILL BE BY CALLING US AT THE FOLLOWING TOLL FREE NUMBER 1-900-736-9090. THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT COULD BE STk~TED TO EVICT YOU. YOU P~VE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YOU HAVE 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 TRk~SFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRk~SFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHk~GES AND ATTORNEY'S FEES AND COSTS k~E PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS L~DER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETE~~INE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE Sk~E POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED ~~. ,,:,,:r::s ~!'~;,":, 70 CURE .!C'!_"?. ::?":-~_':' ~I;::R~ THAN THREE {)} TIMES IN ANY CALENDAR YEAR. SINCERELY, PNC MORTGAGE CORP OF AMERICA 01STOMER SERVICE COpy VIA U.S. POSTAL SERVICE ..FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS k~ ATTEMPT TO COLLECT A DEBT AND ANY INFOR~~TrON OBTAINED WILL BE USED FOR THAT PURPOSE" (ji/ \ ~LLV PENNS 11.. VANIA HOUSING FINANL..:. AGENCY f .h11;,f,,(;. Homeowners' Emergency Mortgage Assistance Loan Program '\' f" PamcnlS (jcnuallnrormalion (717) 780-39~O Corrupondcnce 2101 :'>onh Fronl Slreel (jcncrallnrormalion 1-800-342-2397 2101 Nonh Fronl Suetl P.O. Bl" 1~206 IUD. I;or !luring Impalrcd (717) 780-1869 P,O. Box 15530 Harrishlllg. PA 17105-5206 Harrisburg, PA 17105-5530 PNC BANK, N A ATTN: CASHIERING DEPT 539 FOURTH AVENUE LOUISVILLE, KY. 40202 I) J..-q1 10 5/14/97 SUBJECT : CLARENCE H HEINLY III 11 THOMAS DRIVE MECHANICSBURG, PA, 17055 Your application for a HOMEOWNER'S EMERGENCY HORTGAGE ASSISTANCE LOAN has been DENIED pursuant to Act 91 of 1983, 35 P,S. Section 168.401-C et seq. and/or Agency Guidelines 16 PA Code Section 40.101 et seq. for the following reasons: 1. Mortgagor is not suffering financial hardship due to circumstances beyond mortgagor's control based on: Financial hardship is due to overextension. Based on federal tax retucns for the past 3 years, highest income was 1995, which was insufficient to meet total monthly expenses, 2, Mortgagor is not suffering financial hardship due to circumstances beyond mortgagor's control based on: Total mortgage delinquency is not due to circumatances beyond mortga. gor's control: Mortgage was delinquent prior to the crime. 3. No reasonable prospect of mortgagor resuming full mort9age payments within thirty-six (36) month. and paying mortgage(s) by maturity based on: Total debt indicate. no reason. able prospect of mortgagor resuming full mortgage payments within thirty-six (36) months and paying mortgage Is) by maturity. Total monthly expenses exceed net monthly incoem by $1643,63. You may be entitled to an appeal hearing if you diaagree with our decision. W. muat receive a written request for a hearing within 15 days of the postmark date of this lett.r. (Appeal requ.sts must be in writing: a verbal reque.t is not acceptable). Th. hearing may be con- ducted by a telephone conference call; therefore. you must include your tel.phone number. Requests for h.arings must state the r.asonls) that a hearing is requested and must be sent first class, registered or certified mail to: Chief Counsel - Hearing Reque.t, PHFA/HEHAP , 2101 North Front Street. P. O. Box 15628, Harrisburg, Pennsylvania 17105.5628, The Agency will attempt to schedule the hearing within thirty (30) days after the r.quest i. received. w'len sending your appeal, pl.ase be sur. to print your name l.gibly 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 attorn.y you may be .ligible for Legal Service. r.pre..ntation. You can contact a Legal Service. representative through the following toll free number 1-800-732-3545, Pl.... be aware that .cheduling an appeal h.aring does not neces.arily .tay foreclosure proceedings, DISCLOSURE OF USE OF INFORMATION OBTAINED FROM cxrrSIDE SOURCE: 1, Disclosure inapplicable, The Fed.ral Equal Credit Opportunity Act prohibit. cr.ditora from discriminating against credit applicant. on the ba.i. of race, color, religion, national origin, .sx, marital status. age Iprovided that the applicant has the capacity to enter into a binding contract); becauae all or part of the applicant'S income d.rivea from any public a.sistanc. program; or because the applicant has in good faith ex.rcis.d any right und.r the Consum.r Credit Protec. tion Act. The Federal Agency that administere compliance with this law concerning this creditor is the Federal Trade Commiasion, Equal Credit Opportunity. Washington, D,C, The Pennsylvania Housing Finance Agency PNC i'o10RTG/\GE CORP. ,..' I~~ERIC'A 53:) SOUTH FOURT:l AVENUE LOUISVILLE. KY ,10202 ZZll 7 35204 JANUARY 21, 1997 CLARENCE H HEINLY III PO BOX 1364 MECHANICSBURG PA 17055 RE: LO&~ Nu~BER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 11 THOMAS DRIVE MECHANICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,162.04 FOR THE MONTHS OF NOVEMBER 04, 1996 THROUGH J&~ARY 01, 1997. LATE CHARGES AND OTHER CHARGES HAVE ALSO A::R~ED :0 TrtIS ~A7E I~ 7HE ~~Ou~IT OF S 872.:4. THE 7~7A~ A~0u~rT NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS ~ETTE~, BY PAYIN3 US THE ABOVE ~~O~~T OF $ 4,366,11 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. SUCH PAYMENT MUST BE ~ACE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK 0R MONEY ORDER. IF YOU DO NOT ~uRE 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 OrtI~rNAL ~~CG~T BORROWED WILL BE CON- ~ 1:J2F~~:; :t:::: ::'::.:ZD:.;:~~ Y h.:.:J ';"C:'; ':lAY L05E 7Hr: CHk.~CE TO PAY OFF THE ORIGINAL MORTGAGE IN MONTHLY INSTALLMENTS. IF FU:'L PAYMENT OF TSE F-."!O'JNT OF f'EF!\UL7 IS NOT M.lI.DE WP'!-lPl 7HIRTY (30) DAYS, WE ALSO INTEND TO INSTRUCT CUR ATTORNEYS 70 START A LAW- SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL !-lAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY :NCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED AGAINST YOU, YOU W::"L HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, EVEN IF THEY ARE eVER $50,00. ,~~y AT70RNEY'S FEES WILL BE ~DED TO WHATEVER YOU eWE 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 ATTORNEY'S FEES. WE MAY ALSO SUE YOU PERSCNALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE. IF yeu HAVE NOT CURED THE DEFAULT WITHIN THE THIRTY (30i DAY PERiOD AND FORECLOSURE PROCEEDINGS HAVE BE3UN, YOU HAVE THE RE;HT TO CUi'E THE DEFAULT AND PREVENT THE SALE AT A.'N T!:-lE 85204-2 PAGE TWO J~~UARY 21, 1991 707297 CLARENCE H HEINLY III 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 OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S FEES ~~D COSTS CONNECTED WITH THE FORECLOSURE SALE (AND PERFO~~ 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 ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE. A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE THE SALE. OF COURSE, THE ~M.OUNT NEEDED TO CURE THE DEFAULT WILL INCREASE THE LONGER YOU WAIT. YOU ~~Y FIND OUT AT ANY TIME EXACTLY WHAT THE REQUIRED PAYMENT WILL BE BY CALLING US AT THE FOLLOWING TOLL FREE NUMBER 1-800-736-9090. THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT TaE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT COULD BE STARTED TO EVICT YOU. YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YO~ HAVE 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 ;'l\ YME~;:'5, C:-L~j~.G~S A);:- ;\':T>':'?~r:Y' S ?=::S .~;:J C:;37;; :\RE ?~:C P?IOi\ ::> OR A7 THE SALE, AND T;iAT THE OT;;ER REC.U!RE~E~i:S r~'?:DER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MI~HT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DE2A~LT CURED ;, ~VY THIRD P.~"TY ACTING ON YOUR BEH.l\LF. IF YCU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR. SINCERELY, PNC MORTGAGE CORP OF ~~ERrCA CUSTOMER SERVICE COPY VIA U.S. POSTAL SERVICE ""FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS ~~ ATTEMPT TO COLLECT A DEBT AND ~~y INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE" PtlC ~10RTGAGE CORP '.' A."lER I CA 539 SOUTH FOURTH AVE~It:E LOUISVILLE, KY 40202 ZZll 7 9S205.1 JA.~ARY 21, 1997 CLARENCE H HEINLY III 11 THOMAS DRIVE MECHANICSBURG PA 17055 R~' LOAN NUMBER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PRO~ERTY LOCATED AT: 11 THOMAS DRIVE MECHANICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,1Q2.04 FOR THE MONTHS OF NOVEMBER 04, 1996 THROUGH JANUARY 01, 1997. LATE CHARGES AND OTHER CHARGES HAVE ALSO A:C~DED TO THIS DATE !~ TEE ~~C~:;7 O~ S 372.14. T~~ TOTAL A~Gu~i NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAYING US THE ABOVE A."lCLiJT OF $ 4,366,1: PLUS ANY AD~ITIONAL MONTHLY PAYMENTS AND LATE CHkqGES WHICH MAY FALL DUE DURING THIS PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. IF YOU DO NOT CURE THE DEFAULT WITHIN THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. THIS MEANS ':':iA7 \P.A7E'/ER IS m..ING ON THE ORIGI~;A:' .;:,,~:'_")lT BORROWED WILL BE CON- SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE ORIGINAL MORTGAGE IN MONTHLY INSTALLMENTS. IF FULL PAYMENT OF THE A.~Ot~ OF DEFAULT IS NOT ~~;DE WITHIN THIRTY (30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAW- SUIT 70 FORECLOSE YOUR MORTGA3ED PROFERTY. !F T~E ~CRTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY INCURRED, UP TO $50.00, HOWEVER, IF LEGAL PROCEEDINGS A.qE STA.qTED AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, EVEN IF THEY A.~E OVER S5J,QQ, A.~y ATTORNEY'S FEES WILL BE ADDED TO WHATEVER YOU OWE US, WHICH MI,Y ALSO INCLUDE OUR REASONABLE COSTS. IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES, WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALA.~CE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE. IF YOU HAVE NOT CURED THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD fu~D FORECLOSURE PROCEEDINGS HAVE BEGUN. YOU HAVE THE RIGHT TO CURE THE DEFAULT fu~D PREVL~ THE $ALE AT A.~y TIME B3205-2 PAGE TWO JANUARY 21, 1997 707297 CLARENCE H HEINLY III UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE. YOU MAY DO SO BY PAYING THE TOTAL k~OUNT OF THE UNPAID MONTHLY PAYMENTS PLUS k~Y LATE OR OTHER CHARGES THEN DUE, AS WELL 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 ONE H~~DRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE. 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 TOLL FREE NUMBER 1-800-736-9090. THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT COULD BE STARTED TO EVICT YOU. YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YOU HAVE 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 ?AY1J;s~rrS, CHAl'.:;;::::; '~'.ND A7:'::::~;EY' S ?EE3 A.~D COSTS ARE PAID PRIOR TO OR AT THE SALE, A.~~ THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE u~DER WHAT CIRCUMSTANCES THIS RIGHT :"r""':7 EXIS;:. YJG HAVE 7;;2 R IGnT TO HAVE THIS DEAAULT CURED BY ANY THIRD ?ARTY ACTING ON YOUR BEHALF. IF YOU C::S THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO CURE YOUR DEFAULT MORE THA.~ THREE (3) TIMES IN ANY CALENDAR YEAR. SINCERELY, PNC MORTGAGE CORP OF ~~ER!CA CUSTOMER SERVICE COpy VIA U.S. POSTAL SERVICE "FEDERAL LAW REQUIRES THAT WE NOTIFY yOU THAT THIS IS A."1 ATTEMPT TO COLLECT A DEBT AND ~"IY iNFoRMA'rrcN OBTAINED WILL BE USED FOR THAT PURPOSE" ,~, PNC MORTGAGE CORP. ~_ ~~ER:CA 539 SOUTH FOURTH AVENUE LOUISVILLE, KY 40202 22118 BS208-1 JANUARY 21, 1997 CLARENCE H HEINLY III 11 THOMAS DRIVE MECHANICSBURG PA 17055 RE: LOAN NUMBER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 11 THOMAS DRIVE MECHANICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,162.04 FOR THE MONTHS OF NOVEMBER 04, 1996 THROUGH Jk~ARY 01, 1997. LATE CHARGES AND OTHER CHARGES HAVE ALSO ACCRUED TO THIS DATE IN THE AMOUNT OF $ 872.14. THE TOTAL AMOUNT NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 4,366.11 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH ~AY FALL DUE DURING THIS PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. 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 CON- SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE ORIGINAL MORTG;>.'JE IN MON7fiLY !~;5T;":L~ENTS. 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 LAW- SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, IF WE REFER YOUR CASE TO OUR ATTORNEYS. BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY INCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED AGAINST YOU. YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, EVEN IF THEY ARE OVER $50.00. ,\NY ATTORNEY'S FEES WILL BE ADDED TO WHATEVER YOU OWE US. WHICH MAY ALSO INCLUDE OUR REASONABLE COSTS. IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30l DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ATTORNEY'S FEES. WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE. IF YOU HAVE NOT CURED THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD ~~D FORECLOSURE PROCEEDINGS HAVE BEGUN. YOU HAVE THE RIGHT TO CURE THE DEFAULT ~~D PREVENT THE SALE AT k~Y TIME 3S2G'l-2 PAGE TWO JANUARY 21, 1997 707297 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 OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE (AND PERFORM ~~Y OTHER REQUIREMENTS UNDER THE MORTGAGE). IT IS ESTIMATED THAT THE EARLIEST DATE THAT SUCH A SHERIFF'S SALE COULD BE HELD WOULD BE APPROXIMATELY ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE. A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE THE SALE. OF COURSE, THE AMOL~T 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 TOLL FREE NUMBER 1-800-736-9090. THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- :-:~;:.=: 7'J :..:~.rE :~; :-:'~2 ??C?2?TY .:'.F:':::? 7E:: S:-rSR:FF' 5 S~:::, .~\ :....;~oJ.3:;::' COULD BE STARTED TO EVICT YOU. YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO "2;"'i C;7F 7i-!3 :.rCP..7.:iAuE iJ:::a~.:', 02 78 3C:=-:'';~J;'l ~!G:;i:::Y FR~l" A1;07:':=:R ~:XrJ:;::;3 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 TR&~SFEREE 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 HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. IF YCU C~2E THE DEFAULT. THE MORT:AG~ WILL BE RESTORED TO THE S~~E POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR. SINCERELY. PNC MORTGAGE CORP OF AMERICA CUSTOMER SERVICE COPY VIA U.S. POSTAL SERVICE ..FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE" 22110 AS7 )1 rJOTlCE 85210-1 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 JANUARY 21, 1997 CLARENCE H HEINLY III RE: LOk~ NUMBER: 707297 PROPERTY ADDRESS: 11 THOMAS DRIVE MECHANICSBURG PA 17055 PO BOX 1364 MECHANICSBURG, PA 17055 YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT FORECLOSURE ON YOUR M'JRTGAGE 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, ~~D IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPUU~ATION 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 ATTEND A "FACE-TO-FACE" MEETING WITH A REPRESENTATIVE OF THIS LENDER, OR WITH A DESIGNATED Cv~'iSu}IErt. CREDl7 CCt;N.5:i.,i~;G A~E~CY. THE ?:;'Rr-CSE OF 7i-ilS l-iEETING IS TO ATTEMPT 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 (30) DAYS AFTER THE DATE OF THIS MEETING. THE ADDRESS AND TELEPHONE NUMBER OF YOUR REPRESENTATIVE IS: ?~:C ~ORTGAGE, 539 SOUTH FO'}RTH AVENUE, LOUISVILLE, KY 40202 TOLL FREE (800)736-9090 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 CEFACLT BECAUSE yeu HAVE FAILED TO PAY PROMPTLY INSTALLMENTS OF PRINCIPAL ~~D INTEREST, AS REQUIRED, FOR A PERIOD OF AT LEAST SIXTY (60) DAYS. THE TOTAL AMOUNT OF THE DELINQUENCY IS 4,366.11. THAT SUM INCLUDES THE FOLLOWING: . PAYMENT A!olOUNT PAYMENTS NOW DUE LATE CHARGES RE~~ CHECK CHARGE OTHER FEES LESS UNAPPLIED FUNDS 1,162.04 3 847.14 25.00 7,85 ,00 * . * . . "-. :: ~., ~ - - -......... ..". ~" IF YOU HAVE TRIED k~D ARE UNABLE TO RESOLVE THIS PROBLEM AT OR AFTER YOUR FACE-TO-FACE MEETING, YOU HAVE THE RIGHT TO APPLY FOR FINANCIAL ASSIST- ANCE FROM THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE FUND. IN ORDER TO DO THIS, YOU MUST FILL OUT, SIGN AND FILE A COMPLETED HOMEOWNERS' EMERGENCY ASSISTANCE APPLICATION WITH ONE OF THE DESIGNATED CONSUMER CREDIT COL~SELING AGENCIES LISTED ON THE ATTACHMENT, AN APPLICATION FOR ASSISTANCE MAY ONLY BE OBTAINED FROM A CONSUMER CREDIT COUNSELING AGENCY. THE CONSUMER CREDIT COL~SELrNG AGENCY WILL ASSIST YOU IN FILLING OUT YOUR APPLICATION AND WILL SUBMIT YOUR COMPLETED APPLICATION TO THE PENNSYLVk~IA HOUSING FINANCE AGENCY, YOUR APPLICATION MUST BE FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME I:-'."!EDIATELY. AVAILABLE FUNDS FOR EMERGENCY MORTGAGE ASSISTANCE ARE VERY LIMITED. THEY WILL BE DISBURSED BY THE AGENCY UNDER THE ELIGIBILITY CRITERIA SSTABLISHED BY THE ACT. IT IS EXTREMELY IMPORTANT THAT YOUR APPLICATION IS ACCJRATE 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 AGENCY 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 1-300-342-2337). PERSONS WITH IMPAIRED HEARING C,\N CALL (717) 780-1869, IN ADDITION YOU MAY RECEIVE ANOTHER NOTICE FROM THIS LENDER UNDER ACT 6 CE' 1974. 7EA7 :lC-:-:::: :S CALLED A "NOT::" r? ::;72::7ION TO FORECLOSURE". YOU MUST READ BOTH NOTICES, SINCE THEY BOTH EXPLAIN RIGHTS TP~T YOU NOW HAVE UNDER PENNSYLVANIA LAW. HOWEVER, IF YOU CHOOSE TO EXERCISE YOUR RIGHTS DESCRIBED IN THIS NOTICE, YOU Ck~NOT BE FORECLOSED UPON WHILE YOU ARE RECEIVING THAT ASSISTANCE. VERY TRULY YOURS, PNC MORTGAGE CORP OF kY.ER:CA CUSTOMER SERVICE DEPARTMENT COpy VIA U.S, POSTAL SERVICE ..FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT k~D k~Y INFOR~\TrON OBTAINED WILL BE USED FOR TP~T PURPOSE.. BS206 . .. ?NC ~OR7GAGE CORP. v: ~4E?~Cn 539 SOUTH FOURTH AVE~~E LOUISVILLE, KY 40202 2Z:17 BS216-1 JANUARY 21, 1997 11 THOMAS DRIVE MECHANICSBURG PA 17055 RE: LOAN NUMBER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 11 THOMAS DRIVE MECHANICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,162.04 FOR THE MONTHS OF NOVEMBER 04, 1996 THROUGH JANUARY 01, 1997. LATE CHARGES AND OTHER CHARGES HAVE ALSO ACCRUED TO THIS DATE IN THE AMOUNT OF $ 872.14. 7~E 707AL k~OUNT NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 4,366.11 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. 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 CON- SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF 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 LAW- S~IT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY INCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, EVEN IF THEY ARE OVER $50.00. ANY ATTORNEY'S 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 ATTORNEY'S FEES. WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE. IF YOU HAVE NOT CURED THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD AND FORECLOSURE PROCEEDINGS HAVE BEGu~. YOU HAVE THE RIGHT TO CURE THE DEFAULT k~D PREVENT THE SALE AT ANY TIME 3221;;-2 PAGE TdO JANUARY 21, 1997 707297 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 OTHER CHARGES THEN DUE. AS WELL 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 ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE. A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE THE SALE. OF COURSE, THE AMOu~T NEEDED TO CURE THE DEFAULT WILL INCREASE THE LONGER YOU WAIT. YOU MAY FIND OUT AT ANY TIME EXACTLY WHAT THE REQUIRED PAYMENT W!LL BE BY CALL!NG US AT THE FOLLOWING TOLL FREE NUMBER 1-800-736-9090, THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT COULD BE STARTED TO EVICT YOU. YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YOU HAVE 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 ATTO~~EY'S FEES ~~D 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 HAVE THE RIGHT TJ HAVE THIS r2~AULT CURED BY ANY THIRD PARTY ACTING ON YOU~ 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 TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR. S!NCERE~Y, PNC MORTGAGE CORP OF k~ERICA CUSTOMER SERVICE COPY VIA U.S. POSTAL SERVICE ..FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.. .. .... . . " -- PNC MORTGAGE CORP. l-r' AI"ERICA 539 SOUTH fOURTH AVEWJE LOUISVILLE, KY 40202 22117 8S218 JANUARY 21, 1997 PO BOX 1364 MECHANICSBURG PA 17055 RE: LOAN NUMBER 707297 NOTICE OF INTENTION TO FORECLOSE MORTGAGE THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 11 THOMAS DRIVE MECHANICSBURG PA 17055 IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF $ 1,162.04 FOR THE MONTHS OF NOVEMBER 04, 1996 THROUGH JANUARY 01, 1997. LATE CHARGES AND OTHER CHARGES HAVE ALSO ACCRUED TO THIS DATE IN THE AMOUNT OF $ 872.14. THE TOTAL AMOUNT NOW REQUIRED TO CURE THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS, AS OF THE DATE OF THIS LETTER, IS $ 4,366.11. YOU MAY CURE THIS DEFAULT WITHIN THIRTy (30) DAYS OF THE DATE OF THIS LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 4,366.11 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER. 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 CON- SIDERED DUE IMMEDIATELY &~D YOU MAY LOSE THE cHANCE TO PAY OFF 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 LAW- SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU, YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY INCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, EVEN IF THEY ARE OVER $50.00, ANY ATTORNEY'S 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 ATTORNEY'S FEES. WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIpAL BALANCE AND ALL OTHER SUMS DUE UNDER THE MORTGAGE, IF YOU HAVE NOT CURED THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD ~~D FORECLOSURE PROCEEDINGS HAVE BEGt~. YOU HAVE THE RIGHT TO CURE THE DEFAULT &~D PREVENT THE SALE AT &~ TIME .- . , " . B5213-2 PAGE TWO JN~UARY 21, 1997 707297 UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE. YOU MAY DO SO BY PAYING THE TOTAL N~OUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE (N~D PERFORM N~Y OTHER REQUIREMENTS UNDER THE MORTGAGE). IT IS ESTIMATED THAT THE EARLIEST DATE THAT SUCH A SHERIFF'S SALE COULD BE HELD WOULD BE APPROXIMATELY ONE HUNDRED EI3HTY (180) DAYS FROM THE DATE OF THIS NOTICE, A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE THE SALE. OF COURSE, THE N~OUNT 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 TOLL FREE NUMBER 1-800-736-9090. THIS PAYMENT MUST BE IN A CASHIER'S CHECK, CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS STATED ON PAGE ONE OF THIS LETTER. 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 CON- TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT COULD BE STARTED TO EVICT YOU. YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO- PERTY. YOU HAVE 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, yeu ~AVE THE RIGHT TO HAVE THIS DEFAULT CURED BY JUlY THIRJ PARTY ACTING 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 TO THIS RIGHT TO CURE YOUR DEFAULT MORE THN~ THREE (3) TIMES IN ANY CALENDAR YEAR. S:NCERELY, PNC MORTGAGE CORP OF N~ERICA CUSTOMER SERVICE COPY VIA U.S. POSTAL SERVICE '.FEDERAL LAW REQUIRES THAT WE NOTIFY YOU THAT THIS IS N~ ATTEMPT TO COLLECT A DEBT N~D ANY INFORMATION OBTAINED WILL BE USED FOR THAT PL7,POSE.. ~ Ii: Gn , ....:> .... C . UJi~.) (~ U< l-t ,- "" .l.~ <;:;: . 0'- C::t . . u....., ('., -' iJ:~ ." - " . , -'J .:....4 " U .... - . C" ::) ,:.; .. . Co \ ']' ~ ~'0 ~ -...:::t- ~ p ""' ~ ~1V'\ In "'0) '" "" .';::: 'J "\1'0' ~ J'-~~ \.,l -r- '" ~ .;:::/ ~ . . - . SHERIFF'S RETURN - REGU~AR CASE NO: 1997-04094 P COKKONWEA~TH OF PENNSY~VANIA: COUNTY OF CUKBER~AND PNC BANK NATIONA~ ASSOCIATION VS. HEIN~Y C~ARENCE HIlI . Sheriff or Deputy Sheriff of being duly sworn according KORT FORE was served STEVE WHIST~ER CUKBER~AND County. Pennsylvania. who to law, says, the within COKPLAINT - upon HEIN~Y CLARENCE III defendant, at 954:00 HOURS, on the ~ day of Julv 1921 at 11 THOMAS DRIVE KECHANICSBURG, PA 17055 the County, Pennsylvania, by handing to CLARENCE a true and attested copy of the CDKPLAINT- together with NOTICE and at the sa.e tiMe directing ~ attention ,CUMBERLAND H. HEINLY III KORT FORE , , , to the contents thereof. Sheriff's Costs: Docketing ServicIP Affidavit Surcharge So answers:r~~ R. lhoMas K11ne, 5her111 IB.00 6.20 .00 2.00 .2b.~0 oRENEN & BIRSIC PC 08/01/1997 bY~ \~.l\ D~~r111 Sworn and subscribed to before Me -\ this 10" day of {.... }". #- 19 q 1 A. D. ~-:)'1'" C. -)1>\,.-,,(.- Jl+'r.;' =f!. prothonotary' r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CML DMSION PNC BANK, NATIONAL ASSOCIATION. ) NO.: 1997-04094 CML SIBIWT THE FIRST BANK AND TRUST ) COMPANY OF MECHANICSBURG, ) ISSUE NO.: ) Plaintiff, ) TYPE OF PLEADING: ) vs. ) Praecipe to Settle and Discontinue ) without Prejudice CLARENCE H. HEINLY III. ) ) FILED ON BEHALF OF PLAINTIFF: Derendant. ) ) PNC Bank. National Association, ) slblmIt The First Bank and Trust ) Company or Mechanicsburg ) ) COONSEL OF RECORD FOR THIS ) PAR1Y: ) ) Kristine M. Faust, Esquire ) Pa.I.D. No.: 77991 ) ) GRENEN & BIRSIC. P.c. ) ) One Gateway Center ) Nine West ) Pittsburgh. PA 15222 ) (412) 281.7650 ..,.. 0J >- L~~ co: I - .'-'" , , -' '.. , , , " .... ..... ,l] c.. " I , ~:) !_} U ..