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HomeMy WebLinkAbout03-0141 WASHINGTON MUTUAL BANK, FA SUCCESSOR IN INTEREST TO WASHINGTON MUTUAL HOME LOANS, INC. SUCCESSOR BY MERGER TO FLEET MORTGAGE CORP. F/K/A FLEET REAL ESTATE FUNDING CORP, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Plaintiff ACTION OF MORTGAGE FORECLOSURE vs, 6J -IJ..I , Cl'v~L I EIUY\ SANDRA L BOGDEN AND LOUIS S BOGDEN Defendants THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING mE DEBT, NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIA nON 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO, PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REG1STRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN EST A DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTIC1PACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DEClDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA, POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE EST A DEMANDA A UN ABOGADO IMMEDIA TEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300, CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY A VENUE CARLISLE, PA 17013 717-249-3166 . ~)d.,,~qb ) .' I r\UJlJSTA8U: It,\'''': NOn: I I v,.. 1.._" 1...-II.lll'.,. _~I..d IIlIt.l......nIua 1,,110111 llU~ 'lilt: 11.'141" \'ll1I\'\lUII!\1 ALI.IIWI!\1I vua l:IIA!\Ur.. IN MY'I!\'fr.IIV.lT IIAlr. 4'U \lY \l1I'llll.\' '4Y~IItST. TIIII SIITf. \.lMIlI TIlIt AMIIIJNl MY ADJIJIUDIX "napf aUK us l'IlANIIII AT ANY IINlIlIMII AND lllll MUIMIJtol KAlil MIJll "Y. tllll SlIft AI.III 1,(IN1'4INI lllll IIPTIUN llll:IINYItRT MY ADJIJwTAllLI aAlII tll 4 I\UU 11411:. . ~". -", ........,....'. I~..:lJ .... ............ ,llAIUIla11lJA1l..... ............... 1<:111' ................t.UIll..V.l.1I1ll11A.,.......,......... 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Wmoua 1\11 HANIllaIAND SLwIl0f1\ll UNIIIlIIlDHIIlI. ,':;i~.?..'J:E:fg~4~~~.~.:........_._-_._._(....) l.l:lUII S IOCID&N ", ....... ,.,\i2~i~;;;:;.~~~~, _, '., . ...._._....._........................_....................._...._.._..__..CW) ...... (Sell) ...... ....---...-..-..-....-..-..-..-....-..-..-- . (11II) ...... IS.,. 0riIIMI OIIIJI ......fI. __ ... I~. .0 "a~'."~ . Wmt17799. tit (1696x2200x2 titt) lllJ ',' , .' . - e I8!*le Allow 1hIe U.. For R"Dullllg Dolo) 370678717 ' MORTGAGE nus MORTGAGE ("Security Instrument") is given on 1..1llJ"A" 17t-h 19l1- . The DlO11glI8Or is LOUIS S BOGDEN AND SANDRA L BOGDEN. HUSBAND AND WIFE ("B<<rowcr"). This Security Instrument is given to Fleet Real E8~ate F\lI1<11ng corp. ' which Is organized and existing under 1I1e laws of !'lnnt-h ""rnl i nA , and whose address is 1 "l"l"l M" i n !'It-r....t- ~nlmnbiA !'l~ 29201 ' ("Lender"), Borrower owes Lender the principal sum of EIGHTY THOUSAND AND 00/100----------------------- ___________________________Dollars (U.S.S 80.000,00 ). This debt is evidem:ed by Borrower's note daled the same date as this Security Instrument ("Note"), which provides for monthly paymen1B, wi1l1 the full debt, if DOl paid earlier, due and payable on Seotember 1. 2023 ' .1bisSecuritylnSlIUlDCDt secures to Lender: (a) the repayment of the debt eYidenced by the Note. with interest. and all renewals. extensions ,and modifications of the Note: (b) the payment of all other sums.. with intereSt. advanced under paragraph 7 to protect the security of this Security Instrument; and (e) the perConnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose. Borrower does hereby mortgage. grant and convey to Lender the following described property located in CUMBERLAND County,Pennsylvania: SEE A'l'TACHED LEGAL DESCRIPTION " ~ ::D g ,~ CO " ::3 n c..= 3;::D wm:O mOo ;0 <.':) c.:, i- :>> r" ;bo 0 ;., _,..,-1 <:; ;;0 :0 nON o ...., -- c:: C f\1 zrtlC"> -lmr- -<om 'cn:D "'0 )00 r..c ,~ en which bas the address of 7.021 H]\llv.u~n nRTV"R . l8l1llOll ("Property ~"); , ("'aMP 'RTT.T. (CIIrI Pennsylvania 1 '10' 1 \ZIPc.MI ToOE'IlIl!R Wlm all the Improvements now or bel'eafter erected on the property, and all easements, appurtCIllIIICe. and fixtureS now or bereafter a part of the property. AD replacements and additions sfIaIl alSo be covered bY ihis Security Instrument. AD of the foregoing is referred to In this Security Ins1rument as the "Property.. BORROWER CoVENAN1'S that BOI'1'OWer is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered. except for encumbnmces ofm:ord. Borrower warranlll and will defend genemIly the title to the Property against all claims and demands, subject to any encumbrances of record. PENNSYL~Slr9. _IV -F_1o MM/F...... Moo UIII'ORIIINBTIIUIIENT Inlllal(.) JlIao l of 6 DCPA5ll PlRSTDATASYS11!MS.1NC. BOOK1158 PACE 205 ---- t: YhilJ,t "6" "- _ MIll WAH.=~ Wmt17799. tit (1696x2200x2 titt) L12j , nus SECURITY INS'I1l.UMENT combincs uniform convenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security inslroment covering real property, UNIFORM COVI!NANl'S. Borrower and Lender covenant and agree as follows: 1. Payment or PrindpaI and lalerest; Prepayment and Late Cbarges. BOII'OWet shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and Iate cluuBcs due unclcr the Note. %. Funds for Taxes and Insurance. Subject to applicable law or to a wrillen waiver by Lender, Borrower shan pay to Lender on the day monthly payments are due under the Note. until the Note is paid in full, a sum ("Funds'') for: (a) yearly IlIXeS and assessments which may attain priOOty over this Security Instrument as a lien on the Property; (b) yearly leasehold paymenUl or ground rents on the Property, if any; (c) ~y hazard or property insurance premimns; (d) yearly flood insurance premiums, if anY; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of JlIII'lI&IllPh 8, in lieu of the payment of mortpge iJIsurance premiums. These items are called "Escrow Items.. Lender may, at any time, collect and hold Funds in an amount not to ~ceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the fedeml Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. I 2601 et seq. ("RESPA "), unless another law that appUes to the Funds sets a lesser amount If so, Lender may, at any time, collect and hold Funds in an amount not to ~ceed the lesser amount. Lender may estimaIe the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The FIlnds shal1 be held in an institution whose deposits are insured by a fedcral agency, instrumentality, or cmity (including Lender if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the escrow items. Lender may not charge Borrower for bolding and applying the Funds, annually analyziD8 the escrow account, or verifying the Escrow Items, unless Lender pays Borrower intlRst on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one-time charge far an independent real CS1ll1e tax reporting service used by Lender in connection wid! this loan, unlessappUcable law provides otherwise. UnIessanagreement is made or applicable law Mquires interest to be paid, Lender shall not be required 10 pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shal1 be paid on the FIlnds. Lender shal1 give to Borrower, without charge. an annualllCCOlllUing of the FIlnds, showing credits and debits to theFunds and the PDlJlOSC for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Security InstrumenL If the Funds held by Leoderexceed the amounts penniued to beheld by 8IlPIlcahlelaw,Lendcrshall account to Borrower for the ~cess Funds in accmlance wid! the requiremCllts of applicable law. If the amount of the Funds held by Lender at 8IIY time is not sut1'icient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shaI1 pay to Lender the amount necessary to IIllIIoo up the deficiency. Borrower shall make up the c1cficiency in no IJlOI8 than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall prompdy refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or soU the Property, Lender, prior to the acquisition or sale of the Property, shall apply any FIlnds held by Lender at the time of acquisition or sale as a aedit against the sums secured by this Security Instmment 3. App6catlon of Payments. Unless applicable law provides otherwise, all payments received by Lender onder paragraphs I and 2 shaJ) be applied: first, to any prepayment charges due under the Note; second, to amounts payable onder JIIIIlI8I1IPh 2; third, to interest doe; fourth, to principal due; and last, to 8IIY late charges due onder the Note. 4. Charges; Lie... Borrower shall pay all taxes, assessments. charges, fines and impositions attrlbutahle to the Property which may attain priority over this Security Instrument, and leasehold payments ar pound rents, if any. Borrower shaJ) pay these obligations in the manner provided in pamgraph 2, or if not paid in that manner, Borrower shall pay them aD time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. IfBorrowermakes these payments directly, Borrower shall promptly flUllish to Lenderreceipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in aood faith the lien by, or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operal8 to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subor. dinating the lien to this Security Instrument. If Lender dele11DInes that any part of Property is subject to a lien which may attain priority over this Security InsI1'UlDCllt, Lender may give Borrower a notice identifying the lien. Borrower shan satisfy the lien or take one or more of the actiOll8 set forth ahove within 10 days of the giving of notice. 5. Huard or Property Insarance. Borrower shaI1 keep the improvements now ~isting or hereafter. em:ted 011 the Property insured against loss by fire, hazards included within the term "extended covcrase" and any other bazards including floods or flooding, for which Lender reqDires insurance. This insunmc:e sball be maintained in the amounts and -.fI::< \l\)-S LOAN II: 370678717 1III11a1(1) ~ Pqo2 of6 Paml3039 9190 BOOK1158 PACE 200 Wmtl7799.tif (1696x2200x2 tift) L13J -. for the periods that Lender requires. The inslll3Dce canier providing the insurance shaI1 be chosen by Borrower subject 10 Lender's approvaI which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, III Lender's oplion, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a staDdaxd II1011gIIge clause. Lender shall have the right to hold the policies and renewals. If Lender requires, 'Borrower shall promptly give to Lender all JeCeipts of paid premiums and renewal notices. In the event of loss, Borrower shaI1 give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made prompdy by Borrower. Unless Lender and Borrower otherwise agree in wriling, insUIlll1ce proceeds shall be applied to reslDr8tiOll or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restmlti.on or repair is not economically feasible or Lender's security would be Iessened, the insurance proceeds shaI1 be applied 10 the sums secured by this Security Instrument, whether or not then due, wIth any excess paid to Borrower, If Borrower abandons the Property, or does not answer wilhin 30 days a notice from Lender that the insur.ancc canier bas offered to settle a claim, then Lender may collect the insmance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due, The 3O-day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds 10 principal shall not eno.nd or postpone the due date of the monthly payments refeJred to in paragraphs I and 2 or change the amOlDltof the paymenlS. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Ouupanc:y, Preservation, Maintenance and Protection of Property; BOI'I'OWet's LOlIIl Applieatloa; Leasebolds. Borrower shall occupy, establish. and use the Property as Borrower's principal residence within sixty days after the execution of this Security InslIUlllent and shall continue to occupy the Property as Borrower's principal residence for lIl1east one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's conttol. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. BOI1'OWCI' shaI1 be in default if any fodeilllre action or proceeding, whether civil or criminal. is beglDl that in Lender's good faith judgement could result in forfeilllre of the Property or otherwise materially impair the lien cn:lIled by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstale, as provided in paragraph 18, by causing the action or proceeding 10 be dismissed with a ruling that, in Lender's good faith determination. precludes forfeiture of the Borrower's interest in the Property or other material impainnent of the lien created by this Security Instnnnent or Lender's security inIerest. Borrower shall also be in defauh if Borrower. during the loan application process. gave materially false or lnaocurate information or statements 10 Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited 10, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee tide to the Property, the leasehold and the fee tide shall not merge unless Lender agrees to the merger in writing. 7, Protection of Lender's Rights in the Property. If Borrower fails to perform the covenanlS and agreements contained in this Security Instrument, or there is a legal proceeding that may signiflC8Ddy affect Lender's righlS in the Property (such as a proceeding in bankruptCy, probate, for condemnation or forfeilUJe or to enforce laws or ieslllations). ,then Leader may do and pay for whatever is necessary 10 protect the value of the Property and Lender's rights in the Property. Lender's sctions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do 80. Any amounts disbursed by Lender under this paragraph 7 shaI1 become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment. these amounts shall bear interest from the date of disbursement III the Note rate and shall be payable, with interest, upon notice from Lender to Borrower n:qucsting paymenL 8. Mortgage IDsuraDce. If Lender required mortgage insurance as a condition of making the loan seemed by this Security Instrument, Borrower shaI1 pay the JRIIIlums required to maintain the mortgage insumnce in effect. If, for any reason, the mortgllle ~ coverage required by Lender Iapses or ceases to be in effect, Borrower llhall pay the pccmiums required to oblBin coverage substantially equivalent to the mortgagc Insurance previously in effect, at a cost substantially equivalent to the cost 10 Borrower of the mortgage insurance previously in effect, from an aItemate mortgage insmer approved by Lender. If subsla"ti"lIy equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender ClICh month a sum equal to one-twelfth of the yearly mortgagc insUIlll1ce premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effecL Lender will accept, nsc and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required. at the option of Lender. if mortgage insurance coverage em LOAN il 370678717 Ponn 3039 ~O JDhIaI(.)~ Pose 3 of6 Moi1158 PAGE 207 Wmt17799. tit (1696x2200x2 titt) L14J -. the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insunlIlCe in effect, or to provide a loss reserve, until the requiIement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. lupedioo. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying masonable cause for the inspection. 10. CODCIemnation. The proceeds of any award or claim for damages, dimct or consequential, in connection with any condellUl8lion or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a totaI taking of the PrqIerty, the proceeds shall be applied to the sums secured by this Security instnDnent, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the lllking is equal to or greater than the amount of the sums secured by this Security Instroment immediatcly before the taking. unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shaI1 be reduced by the amount of the proceeds multiplied by the following fraction: ea) the total amount of the sums secured immediately before the taking. divided by (b) the fair market value of the Property immediately before the taking. Any baJance sha11 be paid to Borrower. In the event of a partial taking of the Property in which the fair l1l8IXet value of the Property immediateIy before the taking is less than the amount of the sums secw:ed im- mediately before the taking. unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise pro- vides, the proceeds shall be applied to the sums secured by this Security Instrnment whether or not the sums are then due. If the Property is abandoned by Borrower, or if. after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given. Lender is authorized to collect and apply the proceeds, at i1s option, either to restoration or repair of the Property or to the sums secured by this Security Instrument. whether or not then due. Unless Lender and Borrower otherwise agree in writing. any application of proceeds to principal shall not extend or postpOne the due date of the monthly payments refened to in paragraphs 1 and 2 or change the amount of such payments. 11. 8on'ower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granaed by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower' $ successors in interest. Lender shan not be required to commence proceMillgs against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Bon:ower or Borrower's SUCCe5S01S in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. U. Saa:esson and AssigDs B01Jllll; Jomt and Several LiabDlty; CHipen. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of pmagraph 17. Borrower's covenants and agreements sbal1 be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: ea) is co-signing this Security Instrument ooly to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with tegard to the terms of this Security Instrument or the Note wilhout that Borrower's consenL 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally il\tQp&etcd so that the interest or other loan clw'ges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge sba11 be reduced by the amount necessary to mince the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limi1s will be refunded to Borrower. Lender may choose to make this refund by mlucing the principal owed under the Note or by making a difCCt payment to BOIJ'Ower. If a refund reduceS principal, the mluction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security InsttmDent shall be given by clelivering it or by mailing it by fhst class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender, Any notice to Lender shaI1 be given by fhst cIass mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Goverailll Law; Sevenbility. This Security Instrument sha11 be governed by federal law and the law of the jurisdiction in which the Property is 10Cllled. In the event that any provision or clause of this Secmity Instrument or the Note conflicts with applicable law, such confIict shall not affect other provisions of this Security Instrument or the Note which C8II be given effact wishout tho coofficting provision. To this end the provisions of this Security Instrument and the Note me ~ severable, LOAN t: 370678711. bdlIU(s) P.,e 4 of 6 Fcan 3039 9,90 ~ BOoK1158 PACE 208 ' Wmtl7799, tit {1696x2200x2 tift) LISJ -. 16. Borrower's Copy. Borrower shall be given one coofonned copy of the Note and of this Secmity Instrument. 17. Tnmsf'er of the Property or a Benelieial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a benefICial interest in Borrower is sold or l1'lIlISferred and Borrower is nOl a natural person) without Lender's prior written consent, Lender may. at its option, require immediate payment in fun of all SWIIS secured by this Security Instrument However. this option shaIl DOt be elIercised by Lender if exen:ise is prohibited by federal law as of the date of this Security Inmument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of nOlless than 30 days from the date the notice is delivered or mailed within which Borrower must pay all stuns secured by this Security Instrument If Borrower fails to pay these SWIIS prior to the elIpitation of this period. Lender may invoke any remedies pennitllld by this Security Instrument without further notice or demand on Borrower. 18. Borrower's RIght to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument: or (b) entry of a judgment enforcing this Security Instrument Those conditions are that, Borrower. (a) pays Lender all sums which II1en would be due under this Security Instrument and II1e Note as if no acceleration bad occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enfmcing this Security Instrument, including, but not limited to. reasonable attorneys. fees; and (d) takes BUCh action as Lender may tll8SOII8bJy require to lIISlIIe that the lien of this Security Instrument, Lender's rights in the Property and Borrower.s obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower. this Security in- strument and the obIigatiOllS secured hereby shall remain fully effective as if no acceleration had ocClJl'Ied. However. this right to reinstate shall not apply in the case of acceleration nnder paragraph 17. 19. Sale of Note; Chauge of Loan Servlcer. The Note or a partial intereSt in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") tha1 coUects monthly payments due under the Note and this Security Instrument There also may be one or more changes of the Loan Servicer unreIated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given wriuen nocice of the change in accordance with paragraph 14 above and applicable law. The notice will slate the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law, 20. Hazardoas Substances. BollOwer shaI1 nOl cause or permit the presence. use. disposal,. storage. or release of any Hazardous Substances on or in the Property. Borrower shall not do. nor allow anyone else to do, anything affecting the Property that is in violation of any Enviro1unental Law. The preceding two sentences shaI1 not apply to the presence. use. or storage on the Property of small quantities of Hazardous Substances that are generally recogni2ed to be appropriate to normal residential uses and to maintenanCe of the Property, Borrower shall promptly give Lender wriuen notice of any investigation, clahn. demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Suhstance or Environmental Law of which B01lOwer has actual knowledge. If Borrower learns. or is notified by any governmental or regulatory authority. that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedlalactions in accmdance with Environmental Law, As used in this paragraph 20. "Hazardous SubstanCeS" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline. kerosene. other tlammabIe or toxic petroleum products, toxic pesticides and herbicides, volatile solvents. materials conlaining asbestos or formaldehyde, and radioac1ive m.....,.;..l" As used in this paragraph 20. "Environmenlal Law" means fedetallaws and laws of the jurisdiction where the Property is located that reIaIe to hcaIth. safety or environmental protection. NON.lJNIKlRM COVENANTS, Bom>wer and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender sballlPve notice to Borrower prior to aeceleration foIlowiug Borrower's breada 01 any covenant or agreement in this Seeurity IDStrllment (but not prior to aece1eration under pal1llP'llph 17 unless applicable law provides otIlerwise). LeDder shaD notify Borrower of, amoug other thlnp: (a> the default; (b) tile action required to cure tile default; (e) wbm the del'ault mllllt be cored; and (d) that failure to cure the default as specifted may result in acceleration of tile sums secured by tbIs Seeurity Instnlment, Ibrec:losure by Judldal proeeedIng and IIlIIe of the Property. Lender shall further lDform Borrower of tile right to relutate after ac:eeleratioD aDd the rlghttoasserlin thefoncIosareproeeedingtlleDOnoftistenceofadefauItoranyotherdefeDlllolBorrowertoac:celeratioD and IbrecIosare. If the default is DOt cored as specified, Lender at ils option may require immediate JI81IIlellt In run of aD IBms senred by this Security Instrument without further demand and ID81 foredo8e tills Secority IDstrument by Judlcla1 proc:eecliDg. Lender shaU be entlded to coUect aD expenses Ineurred in p.l'SIIina the remedies provided in tbIs parBlP'IIPb 21, lDcludillg, but nnt limited. to, BItDrIIeys' fees and eos15 of dtJe evidence to the extent permit1ed by applicallle law. -~ Ptge5of6 LOAN *, 370678717 Form 30311 !I/!lO ~ooK115a PACE 209 WIntl7799, tit {1696x2200x2 titt} l16J ./ .. ~ . . 11. Release. Upon payment of all sums secured by this Security Instrument, this Secmity Instrument and the estate conveyed shall tenninate and become void. After such occulTCnce.Lender shall discharge andsalisfy this Secmity Instrument withoutcharge to Borrower, Borrower shall pay any recordation costS. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in pr0- ceedings to enforce this Security InStrUment. and hereby waives the benefit of any present or future laws providing for stay of execution. extension of time. exemption from attacbment. levy and sale. and homestead exemption. 24. ReIDstateDleDt Period. Borrower's time to reinsrate provided in paragraph 18 shall extend to one hour prior to the commencement ofbi.dding at a sheriff's sale or other sale punuant to this Security Instrument. zs. Purchase Money Mortpge. If any of the deft secured by this Security Instrument is lent to BorroWCl'to acquire tit1e to the Property. this Security InslnJl1lellt shall be a purchase money mongage. 16. Interest Rate After JuclgmeDt. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. 7:1. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument. the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement thecovenantsandagreemenlSofthis Security InstrUmentas iftherider(s) were apanofthis Security InstrUment. [Check: applicable box(es)] Ii] Adjustable RaIc Rider o Graduated Payment Rider o Balloon Rider o Other(s) [specify] o Condominium Rider o Planned Unit Development Rider o Rate Improvement Rider o 1-4 Family Rider o BiweeklyPaymenlRider o Second Home Rider By SIGNING BI!lDW. Borrower' accepts and agrees to the terms and coveoants contained in this Security InStrUment and in any rider(s) executed by Borrower and recorded with it. Wimeae~ ~ 10 L ~ ~~~" ", ~ ' ~ . toUIS S BOGDEN ' Social Security Number 191-40 - 6423 ~"L,.-. 71 ,gl!)~ ~ RA L BOGDEN ' (Seal) -Borrower ~~~~.'- (Seal) -Borrower Social Security Number 178-38-1068 (8peM ..... TIlle LIne For AaIlnclWIMpmMll) COMMONWEALTH~OF PENNSYLVANIA ss: COUNT'{ OF 1. . On this 17th day of August, 1993 before me, a Notary Public in and for said County and state, personally appeared, LOUIS S BOGDEN AND SANDRA L BOGDEN, HUSBAND AND WIFE, the individual{s) who executed the foregoing instrument and acknowledged the examination and reading of the same and did sign the foregoing instrument. and acknowle~!Oe.d ,j<hat the same is said individual (s) free act and deed, .,' .,~' ,,"'~.4 ,4Ill, . '-'~'f~1:C!)_\.'" .... : ~'::J.1;1~;r~ ... , ..' ", . F, I have hereunto set my hand and' official seal. "'''"':':''~~~ -,~,.;...... :,1..... ::-.'.', '..-~~' "'j/! , ,.:i';'~':f-i,~~~" NOTARIAL SEAL .{};\d~1"""'::":"~' 11.... ..>J....i~ MSARAH E..APPLE.BY. Nolar Public _ .. "'P' '.'~ .~~~.".., es: 1. CDII".I..lOn ExpIres Ooc.. I . //k/i'f!J4, '. ".:~c~:t Harmbllr PA Dau 10 County "OJ" , <OF RESIDENCE I h~'" ~i1 the address of the within named Mortgagee is: 1333 Main Street, Col 29201. THIS INSTRUMENT PREPARED BY: FLEET MORTGAGE 5070 RITTER RD., SUITE 110 MECHANICSBURG. PA 17055 Page 801 8 Form 3039 QI90 LOAN *: 370678717 BDDK1158 PACE 210 Wmt17799,tit l1696x2200x2 titt) l17J . '. '. '. ALL THAT CERTAIN piece or parcel of land situate in the Borough of Camp Hill, county of Cumberland and state of pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point of the south side of Harvard Avenue (sixty feet wide) at the dividing line between Lots Nos. 167 and 168, Section D in the hereinafter mentioned Plan of Lots; thence along said dividing line south seven (7) degreeS twelve (12) minutes East one hundred forty-five (145) feet to Lot No. 145, section D; thence along said Lot No. 145 section D, South eighty-two (82) degreeS forty-eight (48) minutes west Sixty-four and eighty-five hundredths (64.85) feet to the Eastern line of south 21st street; thence along the Eastern line of South 21st street North nine (9) degreeS seven (7) minutes West one hundred twenty-nine and fifty-seVen hundredths (129.57) feet to a point; thence along a curve to the right having .a radiUS of fifteen (15) feet, an arc distance of twenty-four and seven hundredths (24.07) feet to a point on the southern line of Harvard Avenue; thence along the southern line of Harvard Avenue North eighty-two (82) degrees forty-eight (48) minutes East, fifty-four and two tenths (54.2) feet to a point, the place of BEGINNING. BEING Lot No. 168, Section D in the Plan of college park as recorded in the Cumberland County Recorder's Office in Plan Book 4,. Page 108. HAVING thereon erected a two story single brick dwelling house, known as No. 2021 Harvard Avenue, Camp Hill, pennsylvania. BEDlG the same premises that were conveyed by deed of Thomas B. Hamm, Jr. and Eleanor J. Hamm, dated August 9, 1993, and recorded contemporaneously with this mortgage, unto Louis s. Bogden and sandra L. Bogden, the mortgagors herein. ~j ,- ., "",ie } 55 .' ,,,1<1 , 1..:.t: for tM recording of eeflds ::: "'C:ri--~t~ countVt~ ,..JI Y!?- JoI._Pa~ I} ':v~,~~j,A;,' j'ni~o!1 :A;-I!, "\tt __oJ ,....---- oJ , Record r 600':1158 PACE 211 t'YhibH 'e ~ VERIFICATION I, the undersigned hereby verify that I am a representative of the plaintiff and I am authorized to make this Verification. I hereby verify that the facts set forth in the foregoing Complaint are true and correct to the best of my information and belief and that this statement is made subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to the authorities. lATE: Jcru:rry 6, 2003 "o~ ~ Name: Dean LaRocha Title: Asst. Secretary Company: Washington Mutual Bank FA aa:l:.S':O< IN INIEFr,sT Washington Mutual Home Loans Inc. successor by merger to Fleet Mortgage Corp. F /KIA FlEET REAL ES"lA'IE R.NTIN3 CIRP. ~ (J ~ r ~ ,~ '- tv (ro... t: -R f{ ~ ~ it! ' .. ~ " , ...- , '1;) .. -->--' c.---- SHERIFF'S RETURN - REGULAR CASE NO: 2003-00141 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS BOGDEN SANDRA L ET AL CPL TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BOGDEN SANDRA L the DEFENDANT , at 1410:00 HOURS, on the 15th day of January 2003 at 2021 HARVARD DRIVE CAMP HILL, PA 17011 by handing to LOUIS S BOYDEN, HUSBAND ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 10.35 .00 10.00 .00 38.35 so<~~ R, Thomas Kline 01/16/2003 PURCELL KRUG HALLER Sworn and Subscribed to before By, c7~ ;/~ De ty SheriV' me this .1 ~ <4.. day of /i ~.u<'7 ;2f.JU3 A.D. ~, 0 }n.I&., # rothonotary I SHERIFF'S RETURN - REGULAR CASE NO: 2003-00141 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS BOGDEN SANDRA L ET AL CPL TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BOGDEN LOUIS S the DEFENDANT , at 1410:00 HOURS, on the 15th day of January , 2003 at 2021 HARVARD DRIVE CAMP HILL, PA 17011 by handing to LOUIS S BOYDEN a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 ,00 10.00 .00 16.00 <gL~ R. Thomas Kline me this .l3M. day of 01/16/2003 PURCELL KRUG HALLER By: ~~~ . 7 z:?- De~eAo/ Sworn and Subscribed to before ( f-- u_. ;10-u3 A.D, I -1 I lh-~ Q ~,);,. ~ Prothonotary' WASHINGTON MUTUAL BANK, FA SUCCESSOR IN INTEREST TO WASHINGTON MUTUAL HOME LOANS, INC., SUCCESSOR BY MERGER TO FLEET MORTGAGE CORP. F/K/A FLEET REAL ESTATE FUNDING CORP. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 03 - 141 Civil Term VS. SANDRA L. BOGDEN AND LOUIS S. BOGDEN, Defendant IN MORTGAGE FORECLOSURE P RAE C I P E TO THE PROTHONOTARY: Please mark the above action settled and discontinued, without prejudice. PURCELL, KRUG & HALLER BY'~ Leon P. Haller I~15700 Attorney for Plaintiff Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: March 27. 2003 (') c s: '"0 co mf11 "'"'7-.-" ......~ zr~: (/) .". -<:.<<'.. ~C ..;::- .;-" C' Z(-) 5> -- c z ~ CJ L..) --n- _..~ ,.".; :r:.!-1M: :::0 ,,-' m ~...; --.i..': 1[-6 . --~ \......... ".:"," j :~..~~ ~~ .:,i, :-!J ,~~,: {m:~ r) ,~ :J.J -< v :J:: (J.."l "" => fX)