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Home My WebLink About97-05028 MELLON BANK N.A. AS SUCCESSOR TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY IN THE COURT OF COMMON PLEAS I CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. q I. ,>'(),) S' C L"':'v r;,..~. vs. , CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE EDWIN H. FLECK AND JUDY'I'H E. FLECK Defendants THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE 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 (201 days after the Complaint and notice are served, by entering a written appearance pereonally 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 claimed in the Complaint or for any other claim or r..Hef 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. Court Admin., Cumberland County Courthouse Carlisle, PA 17013 717-240-6200 Legal Services, Inc. 8 Irvine Row, Carlisle, PA 17013 717-243-9400 AVISO LE HAN DEMAN~ADO ^ USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTAOAS, ES ASSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES OE SER SERVIOO CON ESTA DEMANOA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGAOO, REG ISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE, SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTEO CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAO U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANOA A UN ABOGAOO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGAOO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOSI, 215-238-6300. Court Admin.., Cumberland County Courthouse Carlisls, PA 17013 717-240-6200 Legal Services, Inc. a Irvine Row, Carlisle, PA 17013 717-243-9400 MELLON BANK N.A, AS SUCCESSOR TRUSTEE FOR THE ~ENNSYLVANIA HOUSING FINANCE AGENCY IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE vs. EDWIN H. FLECK AND JUDYTH E. FLECK Defendants COM P L A I N T 1. Plaintiff, MELLON BANK, N.A. AS SUCCESSOR TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, pursuant to a Trust Indenture dated as of April 1, 1982 ("Trust"), through its servicing agent PHFA, with its principal place of business at 2101 North Front Street, P.O. Box 8028, Harrisburg, Pennsylvania 17105. 2. Def.endant. EDWIN H. FLECK, is an adult individual whose last known address is 515 & 517 THIRD STREET, WEST FAIRVIEW, PENNSYLVANIA 17025. Defendant, JUDYTH E. FLECK, is an adult individual whose last known address is 515 & 517 THIRD STREET, WEST FAIRVIEW, PENNSYLVANIA 17025. 3. On or about August 31, 1994, the said Defendants executed a Promissory Note ("Note") in favor of Fulton Bank ("Original Mortgagee") in the principal amount of $38,000, the proceeds of which were used to purchase a residential property located at 515 & 517 Third Street, West Fairview, Pennsylvania 17025, which Note 1s attached hereto and marked Exhibit "A". 4. Contemporaneously with the execution of the aforesaid Note, in order to secure payment of the same, Defendants, Edwin H. Fleck and Judyth E. Fleck made, executed, and delivered to Original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of Cumberland County in Mortgage Book 1231, Page 215, on September 1, 1994, conveying to original Mortgagee the subject premises. The Mortgage was assigned to Corestates Bank, N.A" as Trustee, for Pennsylvania Housing Finance Agency, pursuant to the terms of said trust, and recorded as aforesaid in Book Volume 481, Page 238. On January 17, 1995, a correction to the assignment was recorded in Book Volume 489, Page 624. The Mortgage was further assigned to Mellon Bank, N.A. and recorded as aforesaid in Book Volume 1277, Page 109 on November 26, 1996. Said Mortgage and Assignments are incorporated herein by reference. 5. The land subject to the Mortgage is: 515 & 517 THIRD STREET, WEST FAIRVIEW, PA 17025 and is more particularly described in Exhibit "B" attached hereto. The Defendants are the sole owners of the said land 6. The Mortgage debt is in default due to the fact that Defendants have failed to pay the installment due on April 1, 1997 and all subseqlJent installments tl,ereon, and the following amounts are due on the Mortgage: (a) Unpaid principal balance (b) Interest at $8.20 per day from 3/1/97 to 10/1/97 (based on contract rate of 8.200\) $37,148.18 1,754.80 (c) Late charges at $13.88 per month for 7 months 97.16 118.38 (d) Escrow Deficit (e) 5\ Attorney's Commission 1,857.41 $ 40,975.93 *Together with intere$t at the per diem rate noted in (b) above after October 1, 1997 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be char~ed that are actually incurred by Plaintiff. 7. No judgment has been entered upon said Mortgage in any jurisdiction. 8. Notice of Intention to Foreclose has been sent to Defendants by Certified Mail, as required by Act 6 of 1974 of the Commonwealth of Pennsylvania, on the dates set forth in the true and correct copy of such notices attached hereto as Exhibit "CO. 9. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and sailors Relief Act of 1940, as amended. 10. Plaintiff had Complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Paymentd Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify for assistance. Auvuet 31 NOTE .- KAMUIUM I h...by C.I1I~~lfoIUI 1C.'lItl wlthlr1l. ..true . eopy tl' Ihl "riqln urntnt, us I 517 'fHU..D nUl'!, WKIT rAU.VIEW, PINNIYLyAtfZA 110 L N A M~'oy.n". n 'I "J.... .t__ Ir"'fWn.,^~.IIII.1 ~~~ \oZ_~_ ~'~_., - .19 " I. nOAAOWF.R'S rAOMISF. TIJr" Y In n:turn rot I kiln thai I hne r<<ci~oJ. I prumiM: In ray U !i S -princlpel-), "Ius iturrul,lu Lhe order ur Ihe Lender. TIle (..emltr i. rvLTON IAHK I undtulArnJ IMl the Lcndet mJ)' tnnsrtr Ihls NolO. The l..tllller nr anyonc ",hI. lau \hi.s Nule: h)' IIMltrer IIIllI "'00 I~ l."llulled tn ralvlp'ymenLs under thl. NOlO is elUet) the -NolO Ilnlder.- I, IM'EAI!:rr InlUeM. will he chll'c.J nn IInrnltlllllnclllal OIllJlthe rUlllllllllllnl nr I"tlldlml hn.~ OC('II 1'lIltl, I wllll,ny IllltrCAllIll& y...ly..1O or 7.150 '110. Th.lnlereAl nUl rl:qlllretJ b)' this SOCUOl' 2 I~ Ihe rate I will VIlY btllh hl.:rmc Indarttr .It)' Ilcraullllcll(rihed I" Section 6(0) or "'I. 14..., 3. r" YMf.M'S (A) Tim' Ind rlAn,.r r.,mtnL~ I will "I)' prlncl)l8IIMlJ Inlerut b)' mllklnK pa)'lIlents e~er)' llIulIlh. 5 will makc my mnnthl)' pI)'lhcnL~ on Ihc 151' dll)' nr uch nlnnlh M.innina nn uctobel' 1 19" . I will mAke I.I~ J'4')'lnenl. cVI:r)' ITtHlull 11111111 h'tve I'nlll nil "' the prlll!;lllol 1lIlllllllerr,.t and nlly Illher c1wIlCJ d'*rlbed below 1.I11U I mA)' UWQ IJndet lilts Nnle. My lIIomhl)' 11d)',"enL~ Will he Orllli~lln InltrCAI bclore rrinclpol, I(,un 'ept..o.1' 1 , 202" ,I ~tilll)we alTtClllnL~ IInder lIli~ NnlC.1 will po)' I.IUlfte nroolJnLS In (1111 nn chllllate, _hlch Is ClUed the -molUrll)' dale,- I will mnke m)' mnnthl)' 1'0)'1IIeIlL~ AI Je.OOQ,OO (I.Ilis II11ltlUnlllCallcd (0) Amnunl of Monlhl, P.,m'nl~ My mnnlhly paYlllent will 1)1: In 1.I1~ dlllnllnlllr lUU, 2'", . ~1 4. 1I0AROWf.A'S RUlII'r TO rAF.r" Y I hnvtl Iho rl.hl In mllke pBymenL~ or prindpnlllt IIn)' lime 'xrure they nlC due, A rl)'menl or 11rlncl,mI nnly IJ. known U I-prepayment- When I mnke a jlfe!'G)'mcnl, I wllltcll the Nnle lIolller in wrldna tholl Oln dllina ...., I ml)' make I rllllll1ero)'mcnl 0' rwllalllfeIIB)'meIlL~ willllllllllO)'lnll cUlY Ilrcl'lJ)'mcnl 1:1lI1r&e. 11le NulO Uokk:, will U58 In o( my prcrll)'mcnLS to reduce II"" amOllnt u( Ilf1ncillGI1.I10II owe limier IIli" NUle. IIllnllke IplVllnl prepa)'menl, them will be no chMIe..ln IIle Ihle tlnle III in IIle dllUIURI nt Iny momhl)' Itn)'l1lenlllnle.u tllO Nllle Hulda "reelln 'N,llInIIO IllnAG chonle.~. 5. 1.0"14 CII^RllF$ J(llIw, whkh 0111)lIe811' thl~ IllAn allll which ~L~ ma.'4lmllln 111M chollgc... i.. fiunlly Inlerl1rtlctJ Vllhru the InlCrcm or QIhet loan dWIC.' cnlleeted or to be eollcxled In connecllon with Ibill /(IQn c"eeed the pc:rmlucd IImiL~, then: (i) In)' such loan charlc ""nil he redtICoo hy tile lImlllJnt nccCA.Wy In relluce IIle chlVle In lhe (lCrmlllc,t IIm~l: Ind (II) any ~lIm" alread)' callceled rrom me which ueec:dcd pmnilled limlL~ will be retllnlktJ III mc, The NUle Holder mll)' chouM to make thla rerund b)' rcducln,lhe prlnell,,1 II_we urnlcr thl.. NolO or h)' mllkinl ~ llircellmymcnlln Inc. It a rerunl' rcducca prlnclJ'lal,lha rWUCtlOIl will be I1eated '" II pnrUnl prcllDymelll. f. DOAA()Wf.R'~ F^ILUAE TO r^ Y ^~ R~:QUIltW (A) Lalt chArA' rnr O...trdu. r",m,nl' Il tho Note HoMcr IUIA not rccel~cd I.IIC rnll anllllllll or I1ny 1II0I11It1)' I'nymcnl hy thc cml or lS calendar dllYJ lne, lItodalO Illaduc,l will po)' olale ch"rlc In tllC Nole .llIldcr. The illllOUl11 or tllC charle WIll be 5.000'" or m)' ovcnfue plymenl n( prlnelral nnd Inlt'relL I willl'llY Lhllllnlc challC "romrl1y bul nnl)' once on e<<h 1010 pnymcnL CD) Pfll.1I Ir I do not PAY thc rull amnllnl ur each mnnthly pR)'menllltllhc tlOlc ill~ IIIIC. I will he in derollll. ee) Nolin ur DdolJlI III 11m In de(aulr, lho Nnlo IInldcr may ~nll me II wrlllen "nlice lelhnilllle IIInl ill dn nul pny IIle ovenJlIc lUMU"l by I ccJ1tlin dare,lha NlllO Hnlder moy require me In po)' hmnclllnlcl)' Lhc rulI iUl'llllllll ur principal which ha.~ nol hccn J'NIitJ lU'd olllho Intetc:...l thllll owe un that amoun!. Thalll"lc 1Il1l~1 he III Icn.~t 10 Ila)'~ ofter Iho dolc on which tho nutlco ill dallvemJ IIr IIlllltd 10 me, (0) Nn Wllly,r n, Nnt, lIo'd.r Evcn 1(, It 1 umo ",-hen I am In der,,"ll, the N"le Hultler dn(', nnl rerluire me In (lay Inllncdinlcly in rllll M ,It~r'bcd obllvc.thc Nnlc HollIer will ,111I hllve Ihe rillhllH Iln ~llr , 11m in del.1Ull :II ,11111('r tirt1r'. (t:) Pn,lII,nlllr NIII' IIlIkJtr'~ (:Il'll~ luul ":.pC'n,'1r~ It tho Nnte IluIller 110.. rC1luirCllme 1'1 I'ny illllncllhllcly IllllIlIlI~ IIc~rlhrlJ ilhn~c, Ihe Nule I rl.llle, will hnvc Ibo "1M to ba plil' bDCk hy mc rur "II o( iL~ enl\L~ 01111 e~l'CnilC" In c:nrlltcin.thi~ NIlIC In IIle ellrnl not pr"hiblt!!ll hy Il'fllkl1"la low. Tho"'lIlpen~~ include, ror cumplc, rt'MllIlohle ;llInrncy~' re'e.. 7. G1VINI; OF N()T'CF.~ UnleNl 1IJ'(IIIcDhkllllw I'tqllire~ II di((errllllllcOulIl. 1111)' nlllite lhnlllltl'lt he IIlvc" In me under till, Nule will he illven hy deli~erinl II or by mnlUna h h)' Onl clM~ m",lln me allho Property Allllrc..., .1hn~e nr Bllllurrcrenl ",hlre.'l~ it ( live the Note Hohler II nntico or my dirrcrenl31lllrc". ^ny "ntlco !hal mll.'11 he II~cn IH lito Nllle Ilultler IIntler \hi, NllIc .""111 he lIven by InQllinti it b)' r,nl clll'l~ 1Il6lill1lllMl NOLO Holdllr nllhlllllllre" .lIIled In 5ecUnn l(^) IIhn~c IIr Bill tllrrcrenl Glhlrtm ir Ilun Jive A 1\ nOlieo or Ihal dirrercnl OtJdry.', P. O. aox 4'17, LANCASTER. 'A 17.04 IIr al a IIUlcrClIll,ll'ICc If rrlll/ired by tile Nuto IInl4ler. ~~ 111111.1. J..,'-- In"..1I '0)' I/lIlullll1\11. lilt: Ol1truwcr(') .llkllllwlrIIIlC(')llulIlhI111l1MC 11 l,ollC I ul 1 III the Mllhl,l.ue Fi.'4cd Rilte .'4I)le," MUL T'STATE fiXED RATE NOr. . 5,nll" '111I11., . 'NM"I'HtMC UNIPO"MINS'"uuINr ,.,Itt J200 .a/1S ,-,'" 'U'~I IU"l ",- I.f' .",..11........_.,........ . ij." I IIIr\Jllf!lrJ" 1".11''''''1.1'''' "'11''''.11'' Lxhb.t "A /, , -. Tille No. 11737 SCHEDULE "g" -.- LEGAL DESCRIPTION A~~ THAT CERTAIN trect or perce' 01 ground situate In lha Borough 01 West Falrvlew, Cumberland County, Pennsylvenla, more particularly bounded and described according to survey 01 william E. Sees, Jr., Prolesslonal Engineer. dated May 13. 1960, as lollows: BEGINNING st a point on the Northeasterly side 01 Third Street one hundred lhlrty-Ilve(135) leel Northeastwerdly Irom the Northeast corner 01 the Intersection 01 Third Slreet and ~ocust Slreet; thence Northeastwardly along the Northeasterly side 01 Third Street 1I1teen 1151 leet to a point; thence North 56 degrees 30 minules Eest along line 01 Isnd known and numbered as 517 Third Street. one hundred thirteen (113) leet to a point on the Soulhwesterly line 01 a twanty-leet wide alley; thence South 35 degrees 45 minutes Eeet along sama Illteen 1151 leet to a point; thence South 56 degrees 30 minutes West through the center line 01 a partition wall between premlsas herein described and premises 513 Third Slreet and beyond, ona hundred thirteen and lorty-two ona-hundradths 1113.42) leetto a point. the Place 01 BEGINNING. HAVING tharaon erected a two end one-hell story Irems dwelling known as No. 515 Third Street. BEING PARCEL NO.2 01 premises which Lloyd S. Myers and Ellan Myers. husband and wlla, by deed dated Novembar 16, 1966 and racorded November 17, 1966 In The Recorder 01 Oeeds Olllce In and lor Cumberland County, Pennsylvania, In Oeed Book E. Volume 22. page 237, grented end conveyed unto Adelbert Wood. A~~ THAT CERTAIN piece or parcel 01 land situate In the Borou9h 01 West Falrview, County 01 Cumberland and Stete of Pennsylvania, bounded and described as lollows: BEGINNING at a point 150 leet north 01 Locust Streat along the eastern side 01 Third Slreet at a corner 01 lot now or leta 01 S. B. Shoop; thence northwardly along Third Slreet 15 fa't to the center 01 lot No. 41, thence eestwardly through the center 01 said lot, 112 leet, more or less. to an olley; thence southwardly along said alley, 15 laetto lot now or lata 01 Oliver Frovrlg; thence westwardly elong seld Frovrlg lot. 113 leet, mora or less, to the placa 01 BEGINNING. BEING the southarn hell 01 ~ot No. 41 as shown on the Plan 01 May's Second Assitlon to West Falrvlew as recordad In Plan Book 1, page 54, Cumberlend County Records. BEING PARCEL NO.2 which Sheryl O. Hummel. also known as Sherly O. Hummel. single, by deed dated March 1. 1979 and racorded March 2, 1979 In The Recorder 01 Oeeds Olllee In and lor Cumberland County. Ponnsylvania. in Oeed Book H. Volume 2B. page Bl0, grantad and conveyed unto Adelbert M. Wood. single. -' ,<.~-~'\~~~'~~ ~,- '(~'" '7'" '.... ~... -~'... ~'.~ ...... , .9:~~. ,..;..,:i~.~-.~" ':o''f!/:' .~... "'r.,-~. .' tJJ" /.\ ..... -:. - ,...... .~. .," ~ ~::... .1.~ i ........ ,',,, 'r " ' ,. , '. ' .,~'.-;.' .. ~ .I ,\"w: ... '. ~',., .- ...~. ,.:\ ,". .' ~ ". .,' .' <I,:'" . ...........v.. .. ..... -.- '"....~ ';-\.., .....,. .1" J " ..~ .' 1i.,"'~"1""'~~~ _~ '~..;,~. . . "'. .'t>' , \ ',. . ". ~,,~ ~~~...;"" . .. " . ,', '7nn3',lvania } 55 . ; :r~ ;":"I:t.!rland , . ::>~ of lice for the recording of 0.... . I ~. I~'~mberla"d Coun ~'\ :)~~ V5r"' _ Pag J w: h<lnd eal 01 off .' , :":.\ chiS day 0) .,-,.1?' 1 ,~~r /!2t PENNSYLVANIA HOUSING FINAONI C~ AGENCY Single Family Programs vision 210 I Nort'l Front Street P.O. Bo~ 8028 H<lrrisburs. Pennsylyui<l 1710S.8028 (717) 780.3870 TOO For The Hearins Imp<lired Only -(717)780-1869 CERTIFIED MAIL . RETURN RECEIPT REQUESTED June 20, 1997 RE: Account NO: 521948 EDWIN H FLECK JUDYTH E FLECK 515 & 517 THIRD STREET WEST FAIRVIEW PA 17025 RE: 515 & 517 THIRD STREET W. FAIRVIEW PA 17025 Dear Occupant(s': NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by CORESTATES BANK, NA, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter we, us or ours' on your property located at 515 & 517 THIRD STREET W. FAIRVIEW PA. 17025 IS IN SERIOUS DEFAULT because you have not made the monthly payment of 361.00 for April 01, 1997 thru June 01, 1997 for a total of $1,095.00, plus late charges and other charges that have accrued to this date in the amounts of $41.64 and $.00 respectively. The total listed below includes any fees (inspections or securing) that needed to be completed. 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 $1,291.19. You may cure this default within thirty (30) DAYS of the date of this letter, by paying to us the total amount of $1,291.19, plus any additionaJ. monthly payments, expenses and late charges'which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order and made at PENNSYLVANIA HOUSING FINANCE AGENCY 2101 NORTH FRONT STREET/P.O. BOX 8028 HARRISBURG, PA 17105-8028 (717' 780-3870/3871 or 1-800-822-7375 or TODII For Hearing Impaired (800) 346.3597 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our riqht to accelerate the mortqaqe paYments. This means that whatever is owing on the original amount borrowed will be considered 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 lawsuit to foreclose your mortqaqed property. . II It II f. ~ h.Lt.......t L If the mort1age i:s foreclosed, your mort6aged ~roperty will be sold by the Sher ff to payoff the mortgafie de t. I we refer your case to our attorneys, but you cure t e default before they begin legal proceedings against you, you will still have to pay -che 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 fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default ~ithin the thirty day period, you will not be required to pay at. torney's fees. We ~ay also sue you personally for the unpaid principal balance and all other sums due under the mortgage. I f. you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and Qrevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid month. ly payments and any late or otner charges then due as well as the reasonable attorney's fees and costs connected with the foreclosure sale and erform an other re irements under the mort a e. It is est mated t at t e earl est ate t at suc a Sher f 's sa e could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 717-780-3870, This payment mus: be made payable in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your of the mortgaged property and your right to remain in it. continue to live in the property after the Sheriff's sale, could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ownership If you a lawsuit ~ou cure the default, the mortgage will be restored to the same Qosition as if no default had occured. However, you are not entitled to this right to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, life or disabil i ty insurance in connection with your mortgage loan, your failure to pay premiums with your payments may have already resulted or may result in the future in the lapse or a cancellation of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of the loan will not reinstate the insurance, and you will have to apply :>- w ~. ~ N 1::' !~,: ~ :~~~ . .... ,,,,,'j >? co :,;~ ~~ fb ?j~ ~ ~ ~ ~:.;) ,('>;;> I" .A , . ::) 'J; y. .,. 'r III :f 8 , ..."1'1 ;.;. U!I In at ~ ~ ~18 ~ I ' ~ ~ . e ~~~ i ::: i ~~R ~~i . ~ ~ , 7 ~i~ a ] ~ . . ~ i!i ~i :c! ~ ~ ! . ......11..'0.' ...,...,4......,111'. ONllM1, lY.l~'.,Il!l.1YaI1ILn.1,., .' " ..... '... . J' .. l) ... " .,", '':'> :.., , ,) r '11 j,4 The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 7. No judgment has been entered upon said Mortgage in any jurisdiction. e. Notice of Intention to Foreclose has been sent to Defendants by Certified Mail, as required by Act 6 of 1974 of the Commonwealth of Pennsylvania, on the dates set forth in the true and correct copy of such notices attached hereto as Exhibit "C". 9. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. 10. Plaintiff has Complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify for assistance. , NOTE .- HAARlSDURQ - -;";;'Ibl <.r1I1W~(y~~j 111I)l wllhhll" " hllll . COllY nf Ihl' mloln ,=uln,nl 515 I 517 THI~ 5TklIT. WEST r^I~VIEN, PENNSYLVANIA 110 NA M~JI?'1 U.Ilk. ll'''~'rlll ^,M,rIIJ nv _tl) 3''''!~ {"... ,.~.~ : - AugU.t 31 ,II} 9. I, nllRRllW.:II'S 1'llOMI,~I': III I'^V In rthln1 fllr II 111M lllntl hllvt ft'ttlvrll. 111"IttIl~r hi l'n)llUi , .princIPII"), 1IIIIIIntC',('.\I,", die lIuh:', Iff l.hl! t.tllllrr. 'llle 1..l.'lhlrr ,.. ruL'tON lANK 11H1I1r1,'l4Iltl Ihllllho l.cmlrr mAY Inmrcr Iht. NIUe, '111l~ t.r.Hlltt Ilr llllYUllr \\<110 lukt.'. Ihl.. NulL' II)' 1I1I1I~kr dllIl wlln i.. l'lIlillclllll rtctlva plIymrnL, unllt'r till., Nllle I., rlllll'illhe ~NllIC 1IIIMl'r,M Z, INTKRF.:lr lilltrr"l will he l.:hnr~cd 1111 1I111lllilll"indplllUtlUllhc filII 1I11l11Ulllllr Iltludl'nl hn.. hl'l'llllnhl. I will 1111)' ilul',('.,llllll Yeall)' raID t)( 7.9.50 %. The IlIlCIC,'1 rule r('IIIIIred hy thi~ Sn:lillll 2 i.. Illc nllC I witlllllY IHIltl h"'mr 111111 oft!.', nlly tlrfoull de.~ril)cllln StcUon ti{R) M tJll~ NOll'. ,I, P^ V~n:Nl'S (A) Tim' Illld "Inn Itr fll)'nunl!! 1 will pay I'rln&:lllol n/llllnlete.~1 hy IllRkhlK Iln~Ull:m!l r.VC'f~ IIllllUh, I wlll molte my mllmhly pAymcnL' IIlIlh" 1ST Iln)' ul C'lldlllllllllh ~llltUlillllllll Octob... 1 19!U . 1 w~III11RIt(' Ihue I'n)'IIlClltHvrr)' III1I11lh 1IH1i1 1 hnvc palll nllur Ihe"! 1"111\'111111111111 Inll'lrM nmlllll)' IIIllL'r dlllt~r!! de,'.crihetl bclllW 111011 mny nwe lllUlr.t Ihl!! Nul('. My 11111111/11)' IIllYIllI'llt!l wilIl~ oPl'lklllu in[trrM llcrllfc Ilrindl'lIl. Ir,I"1 S.ptUlb... 1 , 20241 ,I MilIIlWI: nmUUI1I.' ulllln Ihl!! Nnll', I willlUly Ihll.~ nl11l1l1n~ In rulllln 1'llIlllnl!.!, which Is tolled the "mnlllrily Ilnte.~ I will mnlte Illy 1I11llllhly I'R)'lIlrlll.~ nl 38,000.00 C1hi!lIUlllllllll i,.U1Ut'll (II) ^nlllunt nr Mlllllhly ItAym..II!.. My nll,"Ihly Ilrlymelll will hr.illlhr. mllllUlllllr II.S '\ 211.51 4. IJORROWI.;R'S ru(ill... 'I'U .'Imp" V I hnve the righlln mlllte Ilo)'mcnL' nl IlrllldJllllll[ uny Ihll(, hclilf(,: Ihry IIle Ihll', ^ pa~l11rlll III Ilriudl'lIl n.lI)1l~ known IL. II "rrepo)'nu:nl." When I mnke II ptepnYll1rlll.1 willl"'U the NIIII! IInhlrr In wrllll111IIIAII am tln!ng IUI. I may mRlte a IlIlIprel'Cl)'ll\elll IIr Ilultiol ptrpnYlllclIl., wlllullIllHl)'inK nlly prl'l'llytllcnt t'hAr~(,. 'nl~ NIIIC I 'nhlt'r will U~ all 01 my (llcrOYllll'IIL, tn I~ht{c lhc OlllllUtllll1 I'rlndjllllthntI ilwe tlllder thj~ Null'. If I make 11 pnrllnl Ilrepll)'IIlCnl, IhCle will he 11/1 chnllJl:e!!llIlhe dill' Ila[l', I1r inlhc RII111\Illl1l1 III)' Ulllllthly pn)lllll'l1ll1nk... Ihe Nolr I hillier IIgfee3 III writlnM: hlthmc rllIll1M:C... 5. U)AN CIIAIHWS JI a Inw. whkh l1pptir.. 10 Ihi., IHUIl IUlll whilh SC.'I.~ t1U1\iIllUlll hlt1ll1hur~r.~, j~ rilllllly hllrllllcl~'11 ~I) Ihnllhc illlcrc~1 or ulher IIlIUl c:IH11Rc~ CIIIICt:ll'd IIr hi he CIlJlrl'Il'11 in COIlI1('(llon wilh Ihi~ !lInn CII(l'cd lilt', IlfrmillelllirniL'i, Ihen: (i) nllY Juch h)M chlllite !!Imll he redllted by the nll1l1ut1lllcct'".~nry hi trllllce the dlnrKc In 111(' IlC'tlllillcllllmll; 01111 (ii) IIn)' ~lIm,. Ilreody COIlIXIOO rrllm me which c:cw'dcll'lC'lmiIlCllllmlL, will he rc(unllClI I" Ill", 'nll" Nule IInhler mil)' chulI!oc Illlllnkc !hIli refund h)' reducing the prindl)lIllllWO IIncle, Ihi!! Nole ill h)' IIItlklllM: Illllrrcl pll)'llIrllltH mc. JIll re(ulld reduce, principal, the rcduc.:IJnn will ~ (r"OlClI M ft !'nrl;nl prCJln)'IlIC.'1I1. ,. nORROWF.R'S ~'^,I.\JRF. TO P^V AS 1l1':QIIII<W (A) lAir chllrlr rnr (hfrdllf l'nYlIlt'lIl!! Utile Nule lfohlcl Ita" 11111 rlXcivclltlll' lull <111I011111 II( rilly 1l11111lhly Jlll)'IllCIII II)' Ihe rUtlnf 15 I'nll'lllllU' dll)'s after the dole II ii\ Ilue, I will pny II laic l'hllti!\~ !lllhe NIIII: Ihllller, 'n,C IItllllllnl (II thc (hnr~r willtK! ".000 % III III)' ovcnJuc pa)'ment or prlncipnl nntl illletC~1. I will Jlny thL. Inle dlilr~c pmmpll)' hUlllnly Illli."t' 011 (,(It'h Iflle poymCIII. (0) nrrlltflt II J do nnl po)' the (ull flmllutll ul Clk'h IIllll1lhry pnyml'lllllll Ihc Ill11e II I~ Ilur, I ......illlle in dc:rllUII, (C) Nolle, or 1J,Iaull :1 I am In tldmlll,lho Nlllc Hnhlcr llIay srnd ll1e II Wlilh't1nnlke Il'lJill~ mc Ihl11 i( I ell) l1ill pfly IJIC IIV('ltrll~ 1I1lllllml b)' "(crllll" dOle,lJle NOle f!"rder "Ill)' rC'Iuile me In pny hnlllcdllllrly lhc lull nmuunllll l'rindl'lIl which IIn.. nllt l)Cell plllll and nil the Inlerc..tlJlllll owe llllllint Ilmnlllll. Thnt Ilnll' III11SIIlc III IrnNI .\0 lln)'~ lIflt'r Ihe dnle un which the ""IIl'l~ j~ Ilelivcrcd or muiled to mc. (I)) Nn WIII",r II, Nol, Uuld,.. Even jf, at II lime wlll',lI I nm Inllcl.1UII, Ihr Null' I rohler tlnr.. lUll r(''I"ite 010 In 110)' imlllcdiRlely in r..II,L' Ilr"'tihrd nhuyc, the Nnlc I 'nhln will !!Im IlIlve Ihl' ti~hll" dn ,,, ir I i1t1l ill Ilrflll1lt nt n Inlt'r 1'11I1'. (10:) rn,,,,C'nl ur Nul' lIoldrr'~ ('u'II., IlIld 1':"IIt'Il~r'l II the ~llle I luMer 1m!'! IrllllitCllllll~ hI I'll)' illlll1l'lllllll'l)' ill lull U~ Ik.~I.tjl~11 al\llVe, Ihl~ NIIIC I hlhler will hll\lc IJm rishl tn be paid bllCk fl)' me rllt nil fir iL'l'WiL, nl\ll r'IJ('t1~('~ in cl1lulrinjllhi!'l Nnle In lhe e:Clrlll nlllllmhihilell h)' I1Plllh,:nlllo Inw. lllnM Clll'ell,'C.11IlCh/llc, Illr C.IInmllll', rt'll.'illnllhlr nltll,nIlY" Irt'... 7. mVIN(1 (W NOnn:S Un,,", ol'J1lknhlc low n'lluitc!'! a dllfrrl'Hllllclhntl. fill)' IInlin' Ihllllllll~I he HI",cllln lll~ illlllrt Ihl!! NUlr will ht~ "ivell b)' deliver!nlll nr h)l mAiHn. it fly nr~1 tin.. mllll III 11I(' nllhe Property Alhltr'l'lllhnve fl(' filII dlrlctt'1I1 IIIMrr..., ir I Kiva Iha Noll! IInlde, lJ n\llice o( m)' dirrcrclll Olllln'!!!'!. Any nll(iro IJl0l nllmt he givclltlllhe Noll' Hollier miller Ihi!'! Nlllll Will he aivcll h)' nlllilinK II by lir!;1 dnlls lII11illlllhll Nota Holelcr Altha .Iltlre~i\ ~Inlrlll" ~e(lIclll '(A) nhnvc Ilr OIl n dlfferenl ulhlrl'!!., If 1 lUll "I..en n nnliClll)r IlulI dJ(fCtrml odd..... r-: 'I":'IT'~I';--; _" l<r',j.'~I';-i"~I';-- ,._, "ny illllillhllll. till: nOtrnWl'r(~) nlkrlnwlt'lllll'(~) thllllhl, I'il}(11 i~ llUlU' I nr 1 'I L~ - _-d:.L__ - I1llhe Mulli'llille FI..ciJ ~illl! Nnle," MUL TISTATE "XED RATE NOTE. Slnoll FllniiV' 'NMAI'HL.MC UNIPORM INSTRUMINf 'arm Utto UII.) '"I'" '''~'l.l 1111'1 ""'" 1.1' 11'''11.".111II1,,"1 'Ill"" IItII . 1I~. t IOIMl G1MI I... IIIlll.JU ,..,r l'U I_Ill "' lt~. fxh,bit " f\" P. O. BOX 4A87, LAHCA9TKR, PA 111041 lit 01 n .IHrW'lll phk:C if u'IIIII,I'" It)' Ihr NUll; lIulclrf. ~ Tille No. 11737 '. SCHEDULE "g" LEGAL DESCRIPTION ALL THAT CERTAIN tract or parcel of ground sltuete In the Borough 01 West Falrvlew, Cumberland County, Pannaylvanla, more partlr-ularly bounded and described eccordlng to survay 01 william E. Saas. Jr., Prolaeslonal Englnaer, datad May 13, 1960, as lollows: BEGINNING at a point on tha Northaastarly sid a 01 Third Street one hundred thirty-live (135) leet Northeastwardly from the Northeast corner 01 the Intersection 01 Third Street and Locust Streat; thence Northeastwardly along tha Northeaaterly side 01 Third Streat IIIteen (151 feet to a point; thance North 56 degrees 30 mlnutea East along line of land known and numbered os 517 Third Street, one hundred thirteen (113) leet to e point on the Southweslerly line 01 a twenty-Iaat wlda alley; thence South 35 degreas 45 minutes Eest along same fifteen (151 leet to a point; thence South 56 degrees 30 minutes West through the canter line of 8 partlllon wall between promises heraln described and pramlses 513 Third Straat and beyond, ona hundrad thirteen and lorty-two one-hundredths (113.42) leat to a point, the Place of BEGINNING. HAVING thereon eractad a two and one-hall story Irame dwelling known as No. 515 Third Street. BEING PARCEL NO.2 01 premises which Lloyd S. Myers and Ellen Myers, husband and wile, by dead dated November 16. 1966 and recorded November 17, 1966 In Tho Recorder 01 Deeds Office In and lor Cumberland County, Pennsylvania, In Deed Book E, Volume 22, pega 237. grented and conveyad unto Adelbert Wood. ALL THAT CERTAIN piece or parcal 01 land situate In the Borough 01 West Falrvlaw, County 01 Cumberland and State 01 Pennsylvania, bounded and described as lollows: BEGINNING at a point 150 leet north 01 Locust Slreet along the eastern side 01 Third Slreet at a corner 01 lot now or late 01 S, B. Shoop; thence northwardly along Third Street 15 feet to the canter 01 lot No. 41, thence eastwardly through the centar 01 said lot, 112 leet, mora or less, to an alley; thence southwardly along said alley, 15 feet to lot now or late of Oliver Frovrlg; thence westwardly along said Frovrl9 lot, 113 loet, more or less, to the place 01 BEGINNING. BEING the southern hell 01 Lot No, 41 as shown on the Plan 01 May's Second Assltlon to West Falrvlew as recorded in Plan Book I, page 54, Cumberland County Racords. BEING PARCEL NO.2 which Sheryl D. Hummel, also known as Sherly D. Hummel. single, by deed dated Merch 1. 1979 and racorded March 2, 1979 In The Recorder 01 Deeds Office In and lor Cumberland County. Pennsylvania, In Deed Book H. Volume 2B, page B 1 0, granted and conveyed unto Adelbert M. Wood. single. ...-....:-._:., ':;<0 . , ":' " . ~~~ ,~ ;. t.. "'"',. ... . ' I. j. .~. .' ...,_......" ",,'.. ';?'#i:~ .....~..,~~.'1-.~... "', "'"'' .,~"""\~ ' ' 1.'1 PI ....-. ... . . , _<I,' ." . ,/I' '~... , ....... I. I ~,. ...'.,',.,.0;. ,'., " '''',...;};; 1...... .1,1'''1'' " ~~" . ';. .tt:j I,) .. - .,' .. r. .!,\~. ; '~-.'" 1.< -'-', J"'.~ . ''I' .,0I..~_ ,1~'t!"'"-~,,,,,,,,,,:4.:~"""~ . . ,;,..0;.-..>\.;;.....- '. ...J... I> . '.~nns.,lv3nla } S5 ; :1.~;:"Itot!rland . :M olf,ee lor the recording of D." . d' 1~.'1rr.berla"d Count 1Y\f,\ : .,~vor" _Pag .. J ,w/ hand salol off ." ;":\ thIS day o .".1':>'1 ',Ire ?2t PENNSYLVANIA HOUSING FINANCE P.GENCY Single Family Programs Division 2101 North Front Slreet P.O. Bo. 8028 H~rrisbur8. Pennsylv~ni~ 17105-8028 (717) 780-3870 TOO For The He~rin8 Impllired Only -(717)780-1869 CERTIFIED MAIL - RETURN RECEIPT REQUESTED June 20, 1997 RB: Account NO: 521948 EDWIN H FLECK JUDYTH E FLECK 515 & 517 THIRD STREET WEST FAIRVIEW PA 17025 RE: 515 & 517 THIRD STREET W. FAIRVIEW PA 17025 Dear Occupant(s': NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by CORESTATES BANK, NA, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter we, us or ours) on your property located at 515 & 5\7 THIRD STREET W. FAIRVIEW PA, 17025 IS IN SERIOUS DEFAULT because you have not made the monthly payment of 361.00 for April 01, 1997 thru June 01, 1997 for a total of $1,095.00, plus late charges and other charges that have accrued to this date in the amounts of $41.64 and $.00 respectively. The total listed below includes any fees (inspections or securing) that needed to be completed. 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 $1,291.19. You may cure this default within thirty (30) DAYS of the date of this letter, by paying to us the total amount of $1,291.19, plus any additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash, casnier's check, certified check or money order and made at PENNSYLVANIA HOUSING FINANCE AGENCY 2101 NORTH FRONT STREET/P.o. BOX 8028 HARRISBURG, PA 17105-8028 (717) 780-3870/3871 or 1-800-822-7375 or TDD~ For Hearing Impaired (800) 346-3597 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage paYments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to 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 lawsuit to foreclose your mortgaqed property. . II " .1 ~ ~ h.Lt\..\.X L If the mort{aqe is Eoreclosed~ your mort6aqed property will be sold by the Sher ff LO payoff the mortqa~e de t. If we refer your case to our attorneys, but you cure t e default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, aCLually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees, even i~ they are over $50.00. Any attorney's fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, ypu will not be required to pay at- torney's fees. We may also Bue 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 day period and foreclosure proceedings have begun, you still have the riqht LO cure the default and Qrevent,-.the sale at any time up to one hour before the Sheri f f' s foreclosuJ:'e sale. You may do so by payinq the total amount of the unpaid month- ly payments ana any late or otfier charqes then due as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other re~irements under the mortqaqe. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 717-780-3870. This payment must be made payable in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your of the mortgaged property and your right to remain in it. continue to live in the property after the Sheriff's sale, could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ownership If you a lawsuit '!!-"'you cure the default, the mortqaqe will be restored to the same Qosition as if no default had occured. However, you are not ~ntitled to this right to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure pr0ceeding or any other lawsuit inst ituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, life or disability insurance in connection with your mortgage loan, your failure to pay premiums with yoqr payments may have al ready resul ted or may resul t in the future in the lapse or a cancellation of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of the loan will not reinstate the insurance, and you will have to apply " '0). -c. '" "" " , I' '. " . I I I . I " I I , , I r l ... \l .~. , ... "" , , I' ~} , .'.0 rr~ ~I "'\" 'r!"l J 1'1',1' \'1'1 '" ~ -~) , I;:'] ,''./, I I I. ..:,) , I:D J ~ ~ \"/ -lIb .. .' ;~ ~Yl 'r" ). ! - ..1.,) ,;'\1 .. ,';:4 ._, .....'l ....~ I'.,) _.'r; -< , ~ .. ;(l '{} ~ " II , , ',. , ! ," ,', " , . "I I, 'I ,'i' (J ..0 ("\ -..I ;';;\ ~\.l r:1 (I ..... (.'; " t:~ ",'I ::':1 1.'-) " .17.. " ("'" , I ','J '", \.t:;), ~ '-":> , . -,', 'd'\ . (', , '. J 1 : 'I.:! II I' ;: " .' ,.;.1 " ...,- ':"...') ~)1 " Nil". CP, -<; " , , " ALL THAT CERTAIN tract or pucel of ground situate in the Borough of Welt ~ai~view, Cumberland County, Pennsylvania, mo~e pilrtir.ulady bounded and c1escdblt~ accOrdlnlj to survey of William E. Sees. J~., Professional EnljllleClr, dated May 13, 1960, IS follows: 'I'RAC'r 1: BEGINNm1 at a point 0" th~ No~theasterly side of 'I'M rd Street one hWldred tr.irty-five (135) fcoet Northeastwardly from the No~theu7 corn*r of the intersectiOll of Tr.l~d Street and L,;,cust Street, thenclt No~th...stwa~dly along the Northeutedy slde of Third Stre.t (15) feet to a point; thence North 56 degrees 30 minutes ED.!lt alo"g line of land known and nll11be~ed .a.!l 517 Third stre~t, one hWlc1~ed thi~t*en (113) feet to a point on the south~estedY line of a twenty-feet wide alley; thence ,so~th 35 deg~ees 45 minutes East alonq same fifteen (15) to a pOlnt, thence South 56 d..g~u.!l 30 minute", West th~ough the . cente~ line ,;,f a partition wall b"t"eltn I,~"",ises h,,~~in descnbed and prenuses 513 Thrid Str~ltt and beyolld, olle hund~ed thirteen and forty-two (In<,'I"U"iL'~,lIl,,; (113.42) /,..t to a point. th~ place of BEOINNING. lIaving thereo" e~ected a two and one-hal f slo~y frl\lM dwelling known as No. 515 Thi~d St~eet. '\'RJ\c.-r 2: BEGINNING at a point 150 feet north of Locust Street along thlt eutllm side of Third street at a cotner of lot now o~ late of S.B. Shoop; thence northwardly along Third Streft 15 feet to the cente~ of lot No. 41" thence east"ardly th~ollgh the cente~ of said lot, 112 feet, mo~e or less. to an alley; thence southwardly along said alley. 15 feet to lot now or late of Oliver Frovrig; thence westwardly along said Flov~iq lot, 113 f..t, mo~e or l..~m, to the place of BEOINNING. BEING the southern half of Lot No. 41 as .!lhown on the Plan of Hay's Second Addition to West Fairvie" as reco~(ttd in Plan Booll 1, page 54, Cumberland COWlty Records. HAVING THEREON ERECTED A DWELLING KNOWN AS 515 & 517 Third Street. Weat Fairview, Pennsylvania 17025. BEING THE SAME PREMISES which Alice Beers by her Deed dated August 31. 1994 and recorded in Cumberland County Recorder of Deeds Office on September 1, 1994 in Deed Book 111. page 229, granted and conveyed unto Edwin H. Fleck and Judyth E. Fleck. PARCEL: 45-17-11004-004 PARCEL: 45-17-1044-003 , . ~ ....~ 'ol)..c. ....... 'I\~ (" ,I , , ,. '. '., " ',' ,1' " ", . ,I .,' " I, , , (11 ,,:> (") ~\ _l '11 ~, i-? \ \:~:i C; \., ,'.11 '.'~) I" I )\1' ,\ ) \-kJ It' I. 1.-'-' ..:\' ; (' , ;-:~, .' -' ..11'1 ,) " .\ " ;--.") -~JJ ::, ,'I) ...'. " , " ~ '" .() . ,:---QII......t .. ~~~~.~~~~~ r{ ~~~ ~.t " " " , ' , , " 'L,., " " Ii' \, , , " " i , ;1, " ,I n :::] ,OJ C. ~I', ,'j-'i r:':'} :1:1 -fJ/ 1 .1) I rn" ('"j' " i :_~J ;-.,,1 ;/ij , I <I.\,i I",') ',:> ,.",' " .n ,,' "T} " ".. "i:U ./., '(') ... "'111 , -, \..J .. )~1 .::;j ~~., (;:! ~ I,' - " , '" " h '..'.') () ," .... " . " " >-\';1',1 ,\ " n c' , " 'I' 1/1 .' I " .;j , , ; (-J , , I"; " 0-'''1' : ill " .... :' ~"') ': ., , fTl -" , , " -"; ~.;;-, ':,., \. -:1 ~(,1 , I:) -I;, -. " " , , " ALL 'I1lJ\T CERTAIN tract or parcel of ground situate in the Boro~h of Welt ~airvilw, Cumberland County, Pennsylvania, mo~e 1 par ti cui ad y bounded and descdbed according to survey of wi! 11 am E. SllII, Jr,. profeasional Engineer, dated Hay 13, 1960, .. foll ows: '\'RJ\C'r 1: BIroINNHI'1 at a point Oil the Northeasterly aide of Third Street one hWldred thi~ty-five (135) fo:~t Northeastwardly from the Nortl~eas7 cornllr of the into:rsectioll of Third Street and Locust St~eet, thellce tlorthustwardl Y along the Northeasted Y side of Thi rd Street (15) feet to a point; thence North 56 degrees 30 minutes Eut along line of lalld known and nllnbe"d.8.!l 517 Third Stre~t, one hundred thidull (113) feet to II point on the Southwestedy line of a twenty-feet wide alley; thltnce South 35 degrees 45 lninute.!l East alonq same fifteen (15) to a pomt; thence South 56 de;r.es 30 mlnute'" West through the . center line ,;,f a partition wall b"tl<eltn I'r"",ises hltrein descnbed and prenuses 513 Thrid Strot"t allel beyond, Olllt hund~ecl thi rteen and lorty-two (,n,..I,'"1d,',,<\II'>l (tl3.42) f,eet to a point, th~ place of 13EOINNlCjG. Having thereo" el'.cted a two and one-hal f sto~y frl\lM dwelllng known as No. 515 Third Stl'eet. TRAC.-r 2: Bl!XllNNlNG at a point 150 feet north of Locust Stre.t along the eastern side of Third Street at a corner of lot now or late of S.B. Shoop; thence northwardly along Third Stre~~ 15 feet to the cente~ of lot No, 41., thence eastwardl y through the center of said lot, 112 feet, more or less, to an allo!y; thence southwardly along said alley, 15 feet to lot now o~ late of Oliver Frovrig; thence westwardly along sa\d FLovrig lot, 113 t..t, mo~e or 1"~Il, to the place of BEGINNING. BEING the southern hal f of Lot No. H as Ilhown on the Plan of Hay'. Second Addition to West Fairvie" as reco~c1ed in Plan Boolt 1. pa;1 54. Cumberland County Records. HAVING THEREON ERECTED A DWELLING KNOWN AS 515 & 517 Third Street, West Fairview, pennsylvania 17025. BEING THE SAME PREMISES which Alice Beers by her Deed dated August 31, 1994 and recorded in Cumberland County Recorder of Deeds Office on September 1, 1994 in Oeed Book 111, page 229, granted and conveyed unto Edwin H. Fleck and Judyth E. Fleck. PARCEL: 45-17-11004-004 PARCEL: 45-17-1044-003 I, I' I' , , " , " .' , " 'I ,,, I' 'I' ~,. "; I. (, 1 lU ,,") "1\' ,.1 '1-'" ,',n I ), i :1 "l~-; \,'1 , , ;1\1 ;.,..~ t ....;.1 .".~ n \i' -..0 -~ "., ,'I " . . .' ( .. , , .,; , j -h '-"," .... I ~.M. j .. i"'i .> 1 ..-< ~.j) .:.J "'. , , '. ': ',' " " , i , , ' ", .' . , , ': " ," , n \.i.' ' (,) (~~ .,..l '" , .~ I ...., ., ., , I " " ." ~\ ,I Ii"~ I ,11:\ L"j '" I , ., ,/ . . .. , I I' 1\ ,I ., , , , ',,' '...1 , I , I , ./. I :-) -< , , ALL 'nlAT CERTAIN tract or parcel of ground aituate in the Borough of West Fairview, ClIllberlalld County, PeMllylvanie, mort particulady bounded and dllscribltd accordulll to survlllY of Willilll1l E. SellS, Jr., Professional Engineltr, dated Hay 13, 1960, 8IJ follows: TRAC'r 1: BEGINNItI'1 at a point on tb~ No~theastedy side of 1'hird street one hWldred thirty-fivOt (135) f.,,,,t Northeastwardly from the Nortl~eas~ corn*~ of the Intersection of 'I'had strcet and Locust street, thllnc.. No~theastwardly along the Northeuterly side of Third Stre..t (15) fl!:ofIt to a point; thence North 56 degreea 30 minutes ED.!lt along line of land known and nllMltred .a.!l 517 Third Stre~t, one hluldred thirteen (113) feet to a point on th.. Southwestedy line of a twenty-feet wide alley; thltnce ,south 35 degrees 45 rnlnllte~ East along same fifteen (15) to a pOInt; thence South 56 dollgl'e.,s 30 minllte,~ West through the center llne ,;,f a partition wall betl,een \1l>.,lIILSeS h."dn described and preml.ses 513 Thrid Stre.,t and beyolld, "nlll hll",,!<ed thi rteen and forty-two (,rw' 1'lIlI.\,,,,,1I I,,; (113,42) t"lIIt to a pOlllt, till' place of IlI!:GINNING, IIl1vwg thereon erected a two and on,,-ha I f story frwne clwell ing knowll as No. 515 Thi~d Ilt~eet. 'I'RAc:r 2: BEGINNING at a point 150 feet north of I,OCllSt Street along the ea.tern side of 'I'hird Street at a corner of lot now or late of S.B. Shoop; thence northwardly along 'I'hird Strel!'t 15 f....et to the center of lot No. 41" thence l!ast"mrdly th~ough the center of said lot, 112 feet, more or less, to an alley; thence sOllthwardly along said alley, 15 feet to lot now or late of Olive~ F~ovrig; thence westwardly along said Flovrig lot, 113 t.et. more or le~m, to the place of BEGINNING, BEING the southltrn half of Lot No. oil Hay'. Second Addition to West Fai~vie" page 54, Cumberland County Recotds. as shown on the plan of as reco~ded in Plan Bool< 1. HAVING THBREON BRBCTBD A DWBLLING KNOWN AS 515 & 517 Third Street, West Fairview, Pennsylvania 17025. SEING THB SAMB PRBM!SBS which Alice Seers by her Deed dated August 31, 1994 and recorded in Cumberland County Recorder of Deeds Ottic. on September 1, 1994 in Deed Book Ill, page 229, granted .nd. conveyed unto Bdwin H. Fleck and Judyth B. Fleck. PARCBL: 45-17-11004-004PARCBL: 45-17-1044-003 Pennsylvania Housing Finance Agency VS, FLECK, Edwin H. and Judyth Cumberland Co. 3/4/98 IT. S. POSTAL SERVICE ~TIPICATE OP MAILING (In comDliance with Postal Service Po~ 3877) Received from: Purcell, Krug & Haller 1719 Norch Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Edwin H. Fleck 515 & 517 Third Street West Fairview, PA 17025 Postage: Postmal;'k: u. S. PCSTAL SiB~ CERTIPICATE OP MAIL~ (In comDliance with Postal Service Po~ 3877) Received fl;'om: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: One piece of ordinary mail addressed to: Judyth E. Fleck 515 & 517 Third Street West Fairview, PA 17025 Postmark: ~~. POSTAL SERVICE CERTIPICATE OF MAILING (In aomoliance with Postal servi~e PR~ 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: One piece of ordinary mail addressed American General Finance, Inc. 125 Gateway Drive, Suite 109 Mechanicsburg, PA 17055 to: Postmark: ~R'S8(J" /~~ .__. ~IJ'~ .-: (<;Q """ ~ -; .,_ c..o, ':'" (") _ , -.. ;;; .- ,~7"t" ('" ":"',~, , , '. . " "--.--- , " " , , " ", ) " (, \,0 ~' 0; "1:",' '1f' " .. , '. ,', ~' I' ,,-, <i!1 ?..~ ;....,.., ''.:,':.') - .. ''''1 ',,) ~~~ 'l'> , , ~ r'" .. ,-, :1': , I ,,'I , 'I' '0 :...; f' ~ .' ,. ! .. ,....,..,.~I~IolJt'..,.I'lJ"}t<IlI...) ..I _':'.' "''4''~.~ _''''II... 'II'U "" . , ... .. c...tJ1 "l"'en~ ....tsOO.... 00 ....tJ1C Z ....CZ 0:1: ~ZOr-o . <00 ~ ><.... ZOr-o ~ ....tJ1..., '" ...,z OentJ10 r-o:o:c .[ :c tJ1><enz :0'" r-otJ1 :0 :c r-oen ...,..n"~ % tJ1. ><000 ClIO 0 ~ > . Cl~:O~ > U1..., og ~ ~.r > "l < Ii.......,,.; Cle.... tJ1 "lr-o en tJ1NOO:O . . . r-otJ1 0> :0' O>ZO..., ,- ~ ~ 0 tJ10 >< C dOl i 0 . 0,.; :cenz > L . . , .... ,.; 0...,. :0.... """l l ~ Roo ~ 0 QI '" Ct'l> t'l<r-o>< ~ '" Cll ::J ,.... en tl1 . 0....>. 0 ~ HI 0. QI .... t"'r-o:l: 0 tJ1 Cll .... ~ch o "'~ ::J ::J en..., t'l 0. rT :0 en Ct'l ~ QI .... :o~ z ::J HI t'l en rT HI ><'0 en r-or-o ~s;l > ALL 'l'lIAT CERTAIN tract or p~~cel of ground .itu.t. in the Borough of WUt f:airview, CUlM.rland County, PeMlylvania,. mo~' particularly bOllndecl and cl.scribed according to surv.y of Wllliam E. Se.s, J~., Professional ~lgin.er, dated Hay 13, 1960, al follows: TRAC'r 1: BEGINNHlIJ at a point on the Northeasterly aide of Third street one hWldred thi~ty-five (135) fut Northeastwardly from the Nortl~eas7 corner of the lllLersection of 'I'hnd Street and Locust street, thencCl Nol"thustwudly along the Northeasterly ude of Third street (15) fillet to a point; thence North 56 degree. 30 minutes EO.!lt along line of lalld known and nunbClred .all 517 Third stre~t. one hUlldr~d thi~tlt'" (113) feet to a point on the Southweatedy line of a twenty-feet wide alley; thence South 35 degrees 45 l~nutell East alonq same fifteen (15) to a point; thence sout~ .56 degrells 30 minllte.~ West through the . center line of a partltl,;,n wall b"t"eltll I,r...mises herein descnblild and premises 513 Thnd St~~llt and beyond, Olllt hund~ed thi rteen and forty-two (In"'I"ul,I~,,,llL,; (tJ3,42) f,eeL to a point, thl! place of BEOINNING. lIaving therO/lon O/Il'ectllld a two and one-hal f story frame clwelling known as No. 515 Tl.ird Strl!et. TRAeI' 2: BEGINNING at a point 150 feet north of LoclIst street along the .astern sid. of 'I'hird street at ~ comer of lot now or late of S.B. Shoop; then~e northwardly along Third Street 15 feet to the cente~ of lot No. 41., thence east"ardly thl'ollgh the cente~ of said lot, 112 feet, more or less, to an alley; thence southwardly along said alley, 15 feet to lot now o~ late of Oliver F~ovdg; thence westwardly along said FLov~ig lot, 113 f.eet, more ar le~m, to the place of BEGINNING. BEING the southern hal f of t,ot No. 41 as lIhOWll on the plan of Hay'. Second Addition to West Fairview as r.co~cled in Plan Booll 1, page 54. Cumberland County Records. HAVING THEREON ERECTED A DWELLING KNOWN AS 515 & 517 Third Street, West Fairview, Pennsylvania ~7025. BEING THE SAME PREMISES which Alice Beers by her Deed dated August 31, 1994 and recorded in Cumberland County Recorder of Oeeds Office on September 1, 1994 in Deed Book 111, page 229, granted and conveyed unto Edwin H. Fleck and Judyth E. Fleck. PARCEL: 45-17-11004-004 PARCEL: 45-17-1044-003