The URL can be used to link to this page

Home My WebLink About98-01714 I i I , I el 1.. J! I . ~ 1 ~i tJ: ) 1 :ii' ,if' f! ~ J : :rl j ....-" r - of said Note is attached hereto, marked Exhibit "A" and made II pal1 hereof by reference thereto. Likewise, a true nnd correct copy of said accompanying MOl1gage also attached hereto, marked Exhibit "B" and made a part hereof by reference thereto. It is noted that said Mortgage was recordcd in the Office of the Recorder of Deeds of Cumberland County on April 6, 1993 in Mortgnge Book 1125, Page 488. 4. The original Note nnd accompanying Mortgage did obligate the Defendant to pay the Plaintiff the sum of $55,900.00 with interest on the unpaid balance at the annualrnte of 7.80% percent until May I, 2023 at which time the entire remaining principal and acclued interest, if any, would be immediately due and payable in full. A true and correct copy of the Note and accompanying Mortgage are attached hereto. marked Exhibit "A & B" respectively and made a part hereof by reference thereto. 5. The said Defendant did fail and refuse to make the payment due commencing July of 1997 and have failed and/or refused to thereafter make all filII payments on the obligation since said date. It is noted that payments have been received since that date although the obligation is presently in default for the payments due December I, 1997 through and including March I, 1998. 6. The full amount became due and payable on July 2, 1997. 7. Thereafter, on or about September 17, 1997, Fulton Bank did send to the Defendant a Notice ofIntention to Foreclose pursuant to Act VIand also a Notice of Defendant's Rights under the Homeowner's Emergency Assistance Program. A true and correct copy of said Notices are attached hereto, collectively marked Exhibit "C" and made n part hereof by reference thcreto. 2 . ',1> , , \.,..; NOTE .' - APRIL 2 ,. .\ . 19 93 CAMP HILL ,PENNSYLVANIA ICilyl IS,.", 104 5, ENOLA DRIVE, ENOlA, PENNSYLVANIA ]7025 ~Il,opc"y Addloul , , I, BORROWER'S PROMISE TO PA Y " III /e1W1l rora IlI8lIlhallhlvlll'flCClved, I prombe to puy V.S.$ 55900,00 (this wnountls called "principal"). plua InterCl~ to aho order or 1110 Lender. '....0 Lender Is FULTON BANK, P, 0, BOX 4887, LANCASTER PA 17604: . I undersul1Id IIUIt tho Lend~ may trwfer ahb Note. Tho Lender or anyone who Uikes this Note by uansfer and who Is eotilled to 1_lvo payments under this Nolels called the "Nole Holder." Z. INTER~ InlUeal will be charged on U11llald principal untilllle full amount of principal hM bwn paid. I will pay interesl at a yearly ralc or 7, BOO tI. Tho InICrClI rale r~ulted by this Section 21s the ralel will pay bolll before and wwr Wly default descrihr.lln Sccllon 6(8) or this NOle. . ." 3, PAYMENTS " (A) Time eod Place or Payments I will pay principal and lnterelll by making payments every monlll. I will make my monahly payments on the 15T day of each month beginning on JUNE 1 ST 1993 ,I will make these payments overy month until I have pald all of 1110 principal and hllerestllnd IlIIY olllcr c/uU'ges described below ahall may owe ander ahls NOle. My monthly payments will be applied 10 Interest hefore principal. If, on MAY 1 2023 , I sulI owe wnounts under Ulis Note, I will pay Ulllse amounts In full on Ihal date. which Is called Iho "maturity ,dale." IwUllTIIIkemymonlll1ypaymentsat ABSTRACT lAND ASSOCIATES, 3915 MARKET ST" CAMP Hill, PENNSYLVANIA 17011 or at a dilferemplace if required by !he Note Holder. (8) Arnounl or Monthly Payments My monlhly paymenl will he In Ihe amount of V.S.$ 402,4] 4. BORROWER'S RIGHT TO PREPA Y I havo Ihe right to mal:o paymenL~ of prinoipal atllllY time before they are due. A paymenl of principal only is known IS a "prepaymenL" When I make a prepayment, I willtelllhe Note Holder In wrlUng Ulat lam doing so. I may make a full prepaymenl or partJaJ prepayments without paying IlIIY prepayment charge. nle Note Holder will use all of my prepayments III reduce Ihe amount of principal IIlatl owe under this Now. If 1 make a partial prepaymen~ ahere wllJ be no changes ulahe due date or in !he amount of my monlllly payment unless ule Note Holder agrees In writing 10 those changes. 5, LOAN CHARGES If slaw, which applles to this loan and which sets maxunum loan charges. Is fmally Interpreted so that !he 11IIerest or olher loan charges collected or to be collected in connection with tbls loan exceed the pennilled limits, IIlen: (I) IlIIY such loan ehuge shall he reduced by the amount nece.ssary to reduce !he charge to Ihe pennlited limit; and (II) any sums already collected rrom me which exceeded pennlued limits will be refunded to me, The NOIe Holder may choose to make ibis refund by reducing !he principal I owe under !his Note or by making a direct payment 10 me. If a refund reduces principal. !he reducllon wID be Irested as a panJal prepaymenL 6. BORROWER'S FAILURE TO PA Y AS REQUIRED (A) Late CharKe ror Overdue Payments If the Note Holder ha, notrcceived the full amount of any mon!hly payment by the cad of FI F TE EN ( 15) calendar. days after the date It Is due, I wUl pay a late charge to !he Note Holder. The 1lII100llt of the ehuge will he 5.000 % of my overdue paymr.nl of principal and InlercsL J will pay !hIs late charge promplly bUI only once on each late payment. (8) Derault If I do nOI pay the full amount of each mon!hly payment on the date it is due, I will be in defauh. (C) Notll:e or Derault , If I am in defauh, the Note Holder may send me a written notice telling me ahatlf I do not pay ule overdue nmount by a cer18in datc,lhe NOIe Holder may require me to pay Immediately ule full amount of principal which has not beell paid and aIIlhe inlelesllhat J owe on !hal amoulIL That date must he al lcost 30 days after the date on which IIle nouce Is dellvered or mailed to me. (D) No Waiver By Note Holder Even lf,lI1 a lime when I am in defauh, ule Note Holder does nOI require me to pay Immediately in full as described above. the NOIe Holder wUl stJlI have the right to do so If J WII In default al a later time. (E) Payment or Note Holder's Costs and Expenses If !he Note Holder has required me to pay Immediately in full as descrlhed abol'e, Ule Note Holder will have 1110 righl to be pald back by me for all of Its costs and expellses III enforcing U,ls Note 10 IIle extent /lot prohibited by applicable law. Those expenses Include, ror example, reasonable attorneys' fees. 7, GIVING OF NOTICES Unless applicable law r~ulrc.q a different method, IlIIY notice that must be given 10 lIIe ullder Ihls Noto will be glvell by delivering liar by malling It by first class mall to lIIe at Ule Propeny Address above (If al a Ulfferelll address If I give the Note Holder a nollce of my dlfrerent address. Any nollce lilal must be given to Ihe NOlO Holder under ulls NolO wllJ be given by mailing It by first class tllallto 1I1e Note Holder allhe address Slated In SectJon 3(A) above or at a dlfferenl address if I um glvun a 1I0lice of !hal differelll lIIldress. \...J i{ -tI" "By Initialing,lIle Borrower(s):knowICdgc(s) that this ;e Is page I of 2 I !nill." -.- Inhll" - of !he Muitislate Fixed Rute Note." ACCOUNT NO: 520 1l566~5 ~UL TISTATE FIXED RATE NOTE. Slngl, Fllllily. FNMAlnlLMo UNIFOAM INSTAUMENT Form 3200 12/83 oun t'4'L 1 111121 P.O. I., 2 QfulLUu 1IIIIIlIU IQlm_, IflI: . USA ,,'OO,UJ.0201 (J IllI '.'OO.J5.'l60U f...ll (1'11'11'-11)1 '[(-~f.f;'(~')~l -~').11l.:1';'" ;11" """"'_fl> @ .. El(hlblt B ~ "",-. " I ~ . ,- I" ,. " , - '. ( ( ACCOUNT N~ 520]156645 , I , I I I I. , I '/ I I . ~ \ ,,- . TOOEl'hmR WI1lI aU the Improvemen,s now or hereafter Cl'ected on the properly, and all ClIStmenLS, OPPurtcnanccs, and &lWeI now or hlnaCl<< a part of the property, All rep1acemenLS and addiliovu shaU also be COVCl'ed by this Securily In.IcrumcnL All of tho fmgoing I.t referred lo in thl.t Securily Instrument as the 'Property." BORROWBR t."OVENANTS dw BOlTOwer I.t lawfully scl~ of tho CSlIIc hereby conveyed and has the n,htlo lIlOI'III8e, grant and convey tho Property and dw the Property is unencumbered. except for encumhranccll of record. Bomiwer warranls and will defend generally the tide lo the Property II8Ilnst all claims and demands, subject lo any 1IIlCWlIbnnc:ea of record. nus SECURITY INSTRUMENT combblCl" wlifom. covenanl.!l for IWionaI use and oon-uniform covenants with IImJled vll'lal.loN by jwildlcllon lo consllllllo a uniform securily inslrWnent covering real property. UNIFORM COVBNAI'ifS. Borrower and Lender COVenant and 8&J'CC . follows: I, r.ymeat of Prfadpalaad laterestl Prepaymeal aad Lale Cbal'les. Borrower shaU prompdy pay when due the prlnclpII of lAd interest Oil the debt evidenced by the NolO and any prepayment and late clwges due under the Norc. 1. FuDdll for To. aad IDlul'lace. Subject lo applicable law or 10 a wrillen waiver by Lender, Borrower shaIJ pay to Lender on tho day monthly payments arc due under the Nolo, until the Nolo I.t paid in full, a sum ("Funds") for: (a) yearly ....1lId IIIeamel1Is wbleb may auaIn priorlly over d.is Securily 11~'lrurnall as a Uen on tho Propeny; (b) yearly leuel10ld paytnCnts 01' ground milS 011 the Propeny, if any; (c) yearly hazard or propeny Insurance prernlwns; (d) yearly flood InIunnce JlI'llIIIiwns, if any; (e) yearly rnortgll&e Insurance premiums, if lilY; and (I) any swns payable by Borrower lo Leader, in accordanco wldlthe provisions of jl8IlIgnIph 8, in lieu of the payment of mortgll8e insurance premiums. These IIemIII'll called "b:row lrems." Lender may, at any time, collect and hold Funds in an amount not 10 exceed the maxlmum amount a lender for a fcderally related mortgage ban may require for Borrower's escrow account undCl' the federal Real Ilalalc Selllement Procedures Act .of 1974 8., amended frum time lo lime, 12 U.S.C. 2601 tl Stq. ("RESPA "), unless IIIOlbet law that applies lo the Funds scts a lesser amounL If so, Lender may, at any time, coliect and hold Funds In an amount not 10 exceed tho lesser amounL LendCl' may eslimalo the wnount of Funds due on the basis of cunent dala and I'CUOnablo r.slimaleS of expenditures of fulllrC Escrow Iloms or otherwise in accordance with applicable law. The Funds shall be beld in an inslltution whose deposils are Insured by a federal agency, instrumenlalily, or entity (Including LendCl', If Lender is such an instilution) 01' in any Federal Home Loan BanIc. Lender shall apply the Funds lo pay the Escrow Items, Lellder may nOI charge Borrower for holding and applying the Funds, annually analyzing the escrow lICCoun~ or verifying tho Escrow lll:ms, unless Lender pays BorrowCl' inlere8l on the Funds and applicable law pennlls Lender lo make such a charge. However, LcndC( may require Borrower 10 pay a one-lime charge for an Independent real CSIalc tax reporting service used by Lender in connection with this loan, unless applicable law providcs otherwise. Unless an 8jlretmenll.t mad3 or appllcable law requircs inoorestlo be paid, Lender shaJj nol be required lo pay BOlTOwer any Inlere.ll or earnings on the Funds. Borrower and Lcndel may agree In writing, however, that interesl shall be pald on the Funds. Lender shaIJ give lo Borrower, without charge, an annual accounting of the Funds, showing credit' and debil.!llo the Funds and tho purpose for which each debit lo the Funds was made. The Funds are pledgr.d as additional securily for all sums. IICClltIld by IhJs Securily lnstrumenL If tho Funds held by Lender exceed the amounts permitted lo be held by applicable law, Lender shall account lo Borrower for the excess Funds ir. accordance with the requiremeots of applicable law. If the amount of the Funds held by Lender at any time is I10l sufficientlo pay the Escrow Iltms when due, l.e.ndCl' may so notify Borrowr.r in writing, and, In SUC'.h case BorrowCl' shaU pay 10 LeIIdCl' the amount necessary lo make up the defiCiency. Borrower shall make up the deClclcncy in no more than twelve monthly paymenl.!l, at LendCl"s sole discrelion. Upon payment in fuB of all sums secured by this Securily Instrumen~ Lender shall prompdy refund lo Borrower any Funds held by LendCl'. If, under paragraph 21, Lender shall acquire or seD the Property, LendCl', pnor lo the acquisition or sale of the Propeny, shaU apply any Funds held by Lender althe lime of acquisition or sale as a credil against dIe sums IICClltIld by this Securily lnstrumenL 3. Appllcatloa of PaYD1eaLS. Unless applicable law providcs otherwise, all paymenls received by Lender under Jlll'8ltaphs I and 2 shall be appDed: flrs~ lo any prepaymenl charges due under the Note; second, lo amounls payable under Jlll'8ltaph 2: third, lo inleR8t due; fourth, 10 principal due; and Ia.,~ to any late charges due under the Norc. 4. ClulrFes; Liens. Borrnwer shall pay all La.,cs, asse"smenls, charges, Ones and imposilions alllibu18ble 10 the Property whICh may allain plionly over this Securily InslrUmen~ and leaseIJold paymenl.!l or ground renLS, if any, Borrower shaIJ pay these obligations in the manner provided In paragraph 2, or if not paid In that manner, Borrower ~hall pay them on lime dlrccdy lo the person nwed paymenL Borrower shall prompdy furnish lo Lender all nolices of amounts 10 be pald under this paragraph. If Borrower makes these paymenls directly, BorrowCl' shal' prompdy furnish to Lender rcc:eIPLl evidencing the paymenl.!l. Borrower shall prompdy discharge any Den which has pliolily OVCl' this Securily Instrument unlcss Borrower: (a) agrees in writing lo the payment of the obligation SI1Cured by lhe lien In a mannCl' acceptable to Lender; (b) conleSts in good faith the Den by, or defends against enforcement of lhc lien in, legal proceedings which in the Lender's opinion opcrarc to prevent the enforcement of the lien; or (c) securcs from the holder of tho lien an a/lTCCmenl satisfaclory lo Lender IUbordinaling the Den to this Securily InstrumenL If Lender delennlnes lhat any part of the Propcny is subject 10 a Uen which may auaIn priOrlly over this Security InslrUmen~ Leoder may give BorrowCl' a nOlice Identifying the lien. DorrowCl' shaIJ satisfy the lien or lake one or more of the aclions sot forth above within 10 days of the giving of notiee. S, Hazard or Property Insurance. BOlTOwer shall keep the improvemcnls now exlsling or hereafter erected on tho Properly Insured againSlloss by fire, hazards Included within the lenn "eslended covernge" and any other hazards, includin, floods or flooding, for which Lender requires Insurance. This insurance shall be mainlained in the amounu and ITEM "S.L' 1".'1 Form J0l9 9/90 I,..,. 2 0/6/"1''') a,..tu'"'III~..'tf"',I'" f, 0,,,, till: loIoo.no.92U ,... It",,,.tllI bOO~ l125 fAGE 4'89 ( r ACCOUNT N: 520.1156645 CIV Iho peilocls IIw Lender ~ulres, The ins_ carrier providing lIIe insurance shall be choSCQ by Borrower SUbjcclto l.enclor'. approYaI which shall nol be IIIll'CUOnably wllllheld. /C Borrower Calls to maintain coverage dClClibod aboye, Londor lIIIy,lI Lender's opIUm, obtain COyerage to prolecl Lender's righlS in lIIe Propcny in accordance wllh Jl8I83nph 7, AlIinsWIIICC polWlea and renewals shaU be accepcable to Leader and slmlJ include a sl8lldard mortgage clausc. Lender Ihatl haye Iho righlto hold lIIe policies and _Ills. /C LendCl' requires, Borrower shall prompdy give to LendCl' aU IeCClplS or pr;ld pnmlwnall\d renewal nodccs, In Ihc evenl oC loss, Borrower shaIJ give prompt nollce to Ibe inslll'lllCC carrier and Londcr,l.endcI may make prooC oC Iou ifllOlllllldc prompdy by Borrower. . Vnlca Lender and Borrower otherwise agree in writing, inswucc proceeds shall be appUed to I'e8lOr1llon or repair oC Iho I'ropeny damaged, II tIwIlC8lOI'adon or repair is cconomlcaUy Ceasible and LendCl"s security is not lessenccl. /C Ihc IaIlOrIIfon Or repair is nol cconomJcaUy Ceasible or Lender's security would be lessened, lhe inSW'8llce )JI'OCecds shall be applied to Iho sums KCW'Cd by lhJs Security Insuumcnt, whether or nOllben due, willi any cxcess paid to Borrower. If Borro_ Ibandon.s lhc 1'iOpcrty, or docs I1OIl118Wer wllhin 30 days a nodce tiom Lender that Ibe inslll'lllCC carrier hu offered to IlCIIJc · c1alm, lhen Lender may collect Iho insurance JlI'OCCcds. Lender maj' use Ibe proceeds to repair or I'CSlll<<l Iho Property or to pay sums KCW'Cd by lhls Security llI.lltrumcot, whether or 1101 lhen due. The 30-day period will begin when Ihe nolicc is glYc.n, tlnlca Lender and BOI1Owt.r otherwise agree in writing, any appUcatlon of Proceeds to principal shaIJ nOl CXlend or JlOSlponc Ihe due date oC lhc monlhly paymcnlS rcCcrred to in paragraph~ I and 2 or change lhe amounl of lIIe paYll\ellIS. /C under pII'8gIIph 21 Ibe ProJlCl'ly is acquired by Lender, Borrower's righlto any insurance poUcles and proceeds l'e8uldng Cmm damlie io lhc Property prior to Ibe acqulsition shall pass to LendCl' to Ibe ClI:lenl of Ibe sums KCW'Cd by lhls Security wlnImcnl ~Iy prior to lhe lCqulsldon. ,. Occupancy. Preservation. MalatealDcc .nd ProCectloa or Che PropertYI Borrower's Loaa AppUcalloa; Leasebolds. BorrowCl' shall occupy, estabUsh, and use lhe Property as Borrower's principal residence wilbin siJCly days alter lhe execution of Ibis Security Instrument and shall continue to occupy Ibe Propcny as Borrower's principal residcoce for IlIcast one year afrer lhe date oC occupancy, unless LendCl' olberwlsc agrees in writing, which consenl shaIJ not be IIIII'eUonably wilhheld, or unless cxtenWlling cln:wnstanCt.'l exist which arc beyond Borrower's control. BorrowCl'shaU nOI destroy, damage or lrnpalr Iba Propeny, alJow the Propcny to deteriorate, or commll wasle on Ibe Propeny. Borrower shaIJ be in defaull if any forfehure action or Proceeding, whelber clvU or criminal, is begun Ibatin Lender's good failb Judgmcot could reaull in forfehurc of Ibe Property or otherwise m8leriaJly lrnpair die lien created by Ibis Security InslrUmenl or Lender KCurity inlcrCsL Borrower may cure such a default and mnsrate, as provided in PlU'llgraph 18, by causin8 Ibe action or fJIOCeCding to be dlsmissed wllh a ruling that, in LendCl"s good fallb delerminadon, precludes forfellure of Ibe Borrower's inlcrCslin Ibe Propcny or olbCl' maleriallrnpairment of Ibe Uen created by ibis Security InslrUment or LendCl"s SCllurity inlcrCsl BorrowCl' shaIJ also be in default if BorrowCl', during dIe loan application process, gave maleriaUy false or Inaccurate infonnatlon or sralemc.nlS to LendCl' (or failed to provide LendCl' wilh any material lnfonnation) in connection wilb Ibe loan eYldenced by lhe NOle, inclUding, bUI nOlllrnlted to, reprcscnradons concerning Borrower's occupancy of the Property as a principal reaidence. If lhis Security InslrUmcocis un a leasehOld, Borrower shaU comply wllb aU Ihc provisions of lhc lease. /C Borrower acquires fee tide to Ihc Propcny, the leasehold and the fee tide shaU nOl merge unless Lender agrees to Ihe merger in writing. 1. Protection or Leader's RJcbls in tbe Property, If Borrower fails to pcrfonn Ibe covenanlS and IgreemcnlS conlllincd in lhls Security InslrUment, or IbCl'll is a legal Proceeding lhat may significandy affect Lender's righlS in Ibe Propcny (such as 1\ Proceeding in bankruplcy, probate, for condemnation or forfeiture or to enforce laws or regulations), lhen Lender may do and pay for Wh8lCVCl' is necessary to prolcel Ibe value of Ibe Property and Lender's righlS in Ibe Propcny. Lender's acllons may irlclude paying any sums KCured by a lien which has priority over Ibis Security Insll1lmel1t, appearing in COurl, paying reasonable 8llomeys' fees and enlering on Ibe Property to malce repairs. AIlbough Lender may llIkc aclion undCl' this Paragraph 7, Lender does nOI have to do so. Any amounlS disbursed by Lender under Ibis paragraph 7 shaU become additional debl of Borrower KCW'Cd by Ibis Security InslrUmcol Unless Borrower and LendCl' agree to olbCl' lcrms of payment, lhese amounlS shall boar inlcrCsI from lhe dale of dlsblU'semelll al Ibe Note rale and shaU be payable, wllh interest, upon nodce from Lender III Borrower requesting paymcoL a, Mortgage Insurance. If Lender required mortgage insurance as a condition of malcing dIe loan KClU'ed by Ibis Security InsllUmc.nt, Borrower shall pay the premiums required to maintain lIIe mortgage inSW'8llCC in effecl If, for any reason, Ibe mnrtgage inSW'8llce coyerage required hy LendCl' lapses or ceases to be in effect, Borrower shaU pay lhc premjwns required to obtain coYCI'age substantially equivalent to Ibe mongage insurance previously in eCfect, II aCOSI ,ubslanlialJy equlvalenllO Ibe COSlto BorrowCl' of the mortgage insurance previously in effect, from 81\ allemale mortgoge insurer approved by Lender. If subslanlially equivalent mortgage insurance coverage Is not available, BorrowCl' shall pay to LendCl' each monlb a sum equal to one-tweUIII of dIe yearly mortgage insurance premium being paid by Borrower whc.n Ibe inslll'llllCC coverage lapsed or ceased to be in efrccl lendCl' will accept, usc and retain lhcsc paymcolS as a loss reserve In Ucu of mortgage insurance. Loss l'CSCtVe paymeulS may no longer be required, al lhe option of Lender, if mongage insurance coverage (in Ibe amounl and for lIIe period Iba! lender requires) provided by an inslU'er spproved by Lender again becomes avallable and is obtained. BorrowCI' shall pay the premiums required to maintain mortgage insWIIICC in effect, or 10 provide a loss l'CSCtVe, until Ibe requiremenl for mortgage insurance ends in accordance wllb any wriuc.n Igreemc.nl between Borrower and Lender or applicable law. 9, Inspection, Lender or lIS agem may malce reasonable eruries upon and inspections of Ibe Property. Lender shall give Borrower nodce allbe time of or prior to an inspection specifying reasonable cause for lIIe inspecdon. 10, Condemnallon. The proceeds of any award or claim for damages, direct or consequentJaJ, in conncclion wllb ITEU'OOo," ,.,021 Form 3039 9/'0 ("..,<10/6""111 a,..ILA_ ...... .ff""'. II... T.Oro.ftlll: 1-,00-UO'131) 'Aa: 'tl-1l'."" ,., \ <. bOU~ 1125 rm 4-9U ..1 ( " ( ACCOUNT #:. 5201156645 II!Y condolmnadOll or ollter laking of any part of dIe Property, Of for conveyance in Ueu of condemnation, IU'C hereby aallJlCCl and IhalJ be paid 10 Lender. . In lllo OVClllI of I IOIlII lakInS of lllo Property, die proceeds shall be appUed 10 Ihc sums secured by this Security Inalnlmenl, whclhcr or notlhcn due. wlllt lilY cxcess paid 10 Borrower. In lite event of a paniallaklns of lite Property In which lllo fAit market value of lllo Property ImmcdlaIcly before lite laking is cqoallO or greatU than tho amounl of Ihc awns lIllCIUllCI by Ihls Security InslnllllCllt immcdlIIety before lite laking, unless Borrower and Lender nlltcrwisc agree In writlnS, dIo 1URll1leCu.red by litis Sccurity InsIrUmellt shall be Rduced by lllo amount of the proceeds mullipUed by tho following - fnIcdon: (I) Ihc IOIIl UlIOunt of tho sums secured immcdlately before lite laking, divided by (b) lite fair nwlcCl value of tho I'ropcny lmmedlaldy boCore Iho laking, Iuly ba1ant:c sha11 be paid 10 Borrower. In lite evenl of I partlaIlaklnS of lite Plopcny In which the fair market value of lhc Property Immcdlately boCore lite laking is less than lite amount of the awns IOClIII'Cd lmmed.IaIcIy boCore lhc lakinS, unIeas Borrower and Lender otherwise agree in writing or unless appUcabJe law odlenYiso provides, lite proceeds sha1l be. lIppllcd 10 Iho sums secured by Ihls Sccurily Instrument whellter or nOllho sums _lhcn duo. IIlllo Paoperty Is abandoned by Borrower, or If, afWl' nolice by Lender 10 Borrower that lite condemnor offers 10 make an Iwerd or seuJe I claim for damqes, Borrower falls 10 respond 10 Lender willtln 30 days after lite date lite IlOllco L, given, Lender Is aulhorlzcd 10 coUcct and apply the proceeds, at ilS oplion, cillter to reslOl1lllon or repair of lite Property or to the ~ ICCwed by litis Sccurily Insuurncnl, wbClhcr or notllten due. UnIca Lender and Borrower olltcrwisc agree In wriOOg, any appUCallon of proceeds to principlll shall not cxlClld or JlOSlIlOllC the due dale of lite monlhly paYJllCllIS referred 10 in paragraphs I and 2 or change lite amount of such payments, 11. Borrower Nol Released; Forbearam:e By I..ender Not a Waiver, Extension of lite lime for payment or modlflcalion of amonizalion of lite sums secured by lItiJ Security InslrUmenr. granled by Lender 10 any successor In inlClest of Borrowr.r shaU nOI operate 10 release the liabilily of lite original Borrower or Borrower's successors in intere.lL L.cndlll IhalJ not be required to commence proceedings against any successor in inlcresl or refusc 10 cxtend lime for payment or otherwise modify amorti7.ation of lite sums secured by litis Security Inslrumenl by reason of any demand made by lhe original Borrower or Borrower's successors in interesL Any forbearance by Lender in exercising any righl or remedy shall DOt be a waiver of or preclude lite exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Severall..labWty; Co-slgn~rs. The covenanlS and agreemenlS of this Security Instnunent shaU bind and benefit lite successors and assigns of Lender and Borrower, subject 10 the provisions of paragraph 17. Borrower's covenanlS and agrcemenlS shall be joint and scveral. Any Borrower who co.sisns this Security Instrument but docs not execute lite NolC: (a) is co-signing litis Security Instrumenlonly 10 mongage, grant and convey that Borrower's interost in lite Property under tile terms of this Security InslrUment; (b) is not personally obligated 10 pay the sums secured by this Security InslruOlent; and (c) agrees lItat Lender and any other Borrower may agrCClIO eXlCnd, modify, forbear or make any accommodatinns willt regard 10 lite lenns of litis Security In5trument or lite Note without that Borrower's consenL 13, Loan Cbarges, If lite loan secured by this Security tnslrumenl Is subject 10 a law which SCIS maxlnlUm loan charges, and that law is fmalJy interpreted so that the inlerest or ollter loan charges collecled or 10 be coUected in conncclion with lite loan exceed lite permiucd UmilS, lIten: (a) any such loan charge shaU be reduced by lite amount necessary 10 reduce lite charge to lite pcnniucd Umit; and (b) any sums already collected from Borrower which exceeded pcrmiucd IImllS will be refunded 10 Borrower. Lender may choosc 10 make this refund by reducing the principal owed nnder lite Note or by makin, a dlroct payment 10 Borrower. If a refund reduces principal, the reduclion will be Irealed as a partial prepayment without Illy prepayment charge under lite Note, 14, Notices. Any nolice to Borrower provided for in litis Security Instrumenl shall be given by delivering It or by mallJnS It by fust class mail unlcs.~ applicable law requires usc of anollter method. The nolice shall be dirccled 10 lllo Property Address or any other address Borrower designates by nolice 10 Lender. Any nolice 10 Lender shaU be givClll by fInt clas., mail 10 Lender's address Slated herein or any ollter address Lender designates by nolice 10 Borrower. Any nollco provided for in this Security Inslrument shall be deemed to have been given to Borrower or Lender when given III provided In litis paragraph. 15. Governing Law; SeverabiUty, This Securily Inslrumenl shall be governed by federal law and lite law of lIIe jurIsdIclion in which lite Property Is located. In the event thaI any provision or clausc of this Securily InslrUmenlor the NOIll confUclS willt appUcable law, such conflicl shaU not affect ollter provisions of Ulis Securily InslrUment or the NOle which can be given effect willtoutllte confficting provision. To this end lite provisions of this Securily InslrUmcnl and lIIe NolC Ire declarcd 10 be scverable. 16, Borrower's Copy, Borrower shall be given one confonned copy of lite Note and of Ulis SecurilY Inslrumen~ 17,l'ransfer of tbe Property or a Beneflclallaterestin Borrower, If aU or any part of the Prnpcny or lilY inlCUCt In it is sold or transferted (or if a beneficial interesl in Borrower is sold or transferred and Borrower is not I nawra1 penon) willtoul Lender's prior wrillen conscnt, Lender may, at lIS oplion. require immediate payment in full of aJlsum.lCICu.red by litis Securily Inslrument. However, litis oplion shall not be exercised by Lender if exercise Is prohibited by federal law ... of lite date of IItL~ Security InslrumenL If Lender exercises litis oplion, Lender shall give Borrower notice of acceleration. The notice shall provide a periocl of IIOtless lIIall 30 days from lite dale Ute notice Is delive.red or mailed wiUtin which Borrower must pay all sums secured by litis Security InslrumenL If Borrower fails 10 pay these sums prior 10 the expiration of Utis period, l.ender l1UIy Invoke lIIIy remedies pennlucd by this Security lnslrument without funlter notice or demand on Borrower. 18, Borrower's Right 10 Reinstate. If Borrower mcclS cenain conditions, Borrower shall have die right'" have. enforcement of this Security Instrument discontinuoo at any time prior kl Ute e.arlier of: (a) 5 days (or such odler IlCriod III ITE" mOl. 1"02, ...... JO" "'10 {,.,. 4./0,.,,,, . Of..1 Ln...tNMf..'ff...., IfIii "0''''0," '.100.110.1111 'M 1t.."HIII bOOK 1125 fAcr ~91 " ( ( ACCOUNT ~: 5201156645 " , , IppUcabJd law may specify for relnslalemenl) before sale of tho Propr.rty Pll1Suanl 10 any power of salo conlalned In lids SlIcurlI:y 1tu1l'lln1ent: or (b) enlry of. judgmenl enforcing lids SCliurity 1n.'lrWnenL nlosc condJllonslU'llllw BOlTOwer: (a) JlIYt Lendor aU sums which lhcn woUld be duo under this Security loslrumenl and tho NOIll as If no lICtolenu.lon had CICCUIIlld; (b) Clftll any defaull of any other COVonaRllI or &greemenlll; (c) pays all oxpenses incurrod In enforcing this Security InsIrwnenI, lncludJng, bUI nol Umlllld 10, reasonable 8lUJrnoys' fcos; and (d) lakes such action as Lender may ~Iy roquJre 10 ISSUI'll IIw tho Uon of this SCliurity IOSllUmCIII, Lender's rights In tho Propony and Borrower's obUpdon 10 pay tho sums SOC:W'Od by this SCliurity InsllUmonl shall condnuo unchanged. Upon relnslalcmenl by Borrower, dIla Security Inslrumenl and the obUgadollJ SOC:W'Od hereby sba.U remain fuUy cffClidvo as If no ac:colerallon had OCCurred. However, dIla righllO reulsla/o shall nOI apply In tho c:aso of ac:coloradoll under paragraph 17. .,. Sill 01 Notel Cbaage of Lola Servker. Tho NolO or a par1laIlnletCSt In the NOUl (lOgether with this Security 1nIIrumeII1) may be sold ono or more Ilmcs withoul prior nolko 10 BOlTOwer, A sale may rcsullln a chango In the endty (known utho "Loan Servlc:or") IIw COIlocIll monthly paymonlll due ullder the NOUl and this SCliurity InslrumenL There also may be 0110 or more changes 01 tho Loan Scrvlc:or unrclaUld to a sale nf tho NOUl. If theI'C Is a chango of the Loan Scrvlc:or, Borrower will be given wr1l1on nollc:o of the change in accordance with Jl3rPgraph 14 above and appllcable law. Tho nolke wllIlIaIe tho name and address of tho now Loan Scrvicer and the address 10 which paymenlS should be mado. Tho nolke wllI also conlaln any other infonnatlon requlred by appUcablo law. 20. HallrdoUl SubSlaacN. Borrower shaU nOI caUto or pctmlllho presence, use, disposal, slOrage, or release of any Hazarclous Substances on or in the Propen)', Borrower shaU nol do, nOr allow anyone olse 10 do, anything affClilingllle Propony IIw Is in violatioll of any Environmental Law. Tho preceding two senrences shall nOI apply 10 lIIe presence, use, or IIOrI&e 01\ the Plopen)' of small qllandllcs of HazardoUl Subslanccs duu are genually rcc:olllized 10 be appropriate 10 norma1 rcsldenllaJ use., and 10 maintenance of tho Property. Bontlwer shall pmmplly give Lender wr1l1on nodce of any invesdgadon, claim, demand, lawsuit or o!her action by any governmental or RlgulalOry agency or privaUl party involving the Property and any Hazardous Subslance or EnvironmenlaJ Law of which Borrower has actual knowledge. If Borrower leJlrns, or is notified by any govemmenlaJ or regulalOry authority, Ihal any removal or other remedladon of any Hazardous Substance affecllng the Property Is necessary, Borrower shaIJ promptly lake all nccossa.ry romcdJalactions in accordance wi!h Environmental Law. As u..'lCd in this para8l'llph 20, "Hazardous Subslances' are 1II0se subslance.~ defmed as IOKlc or hazardous subslances by Environmental Law and the following subslances: gasoUne, kerosene, o!her flammable or toxic pelroleum produclS. 1O~1c pesticides and herblcidcs, volatJle SOIVCIIIS, maleriaJs comaining asbeslDs or fonnaJdehyde, and radioacdve marerials. As used in this paragraph 20, 'Environmental Law' means federal laws and laws of the jurisdiction where lIIe Property is Iocaled Ihal relaUl to hcaJlIt, safely or environmenlaJ prolcction. NON.UNlFORM COVENANTS. BOlTower and Lender fUMer covenanl and agree as foUows: 21, Accelerallon; R~medles. Lender sbaU give Dollce 10 Borrower prior to accelerallon foUowing Borrower's breacb of aay covenant or agreement In Ibi! Security Instrumenl (bul nol prior 10 acceleralion under paragraph 17 unless appUcable law provldcs Olherwise), Lender shaD notlfy Borrower of, among other things: (a) Ihe defaull; (b) the actloa required 10 cure Ibe default; (c) wben tbe default musl be cured; and (d) that fallure to cure tbe delaull as .pecUled may resull In accelerallon of Ihe sums secured by Ihis Security Imtrument, foreclosure by judicial proceedin, and sale 01 tb0 Property, Lender sball furtber Inform Borrower of Ibe rlgbt 10 reinstate after acceler'.lIon aad Ibe rlgbl to assert In the foreclosure prOCeeding Ihe non.exlsleace of a default or any other defense of Borrower 10 acceleration and foreclosure. Ir tbe default i! aol cured as specllled, Lender al Its option may require Immedlale paymeal in fuD 01 aD sums secured by Ibi! Security Inslrumenl without further demand aad may foreclnse tbis Securltylnstrumeat by jUdicial prOCeedl"" Lender shaD be enlltled 10 collect all expenses incurred in pursuing the remedies provided in thi! paragrapb 21,indudlng, but nol limited to, attorneys' fecs and costs of Iltle evidence to Ibe extent p~rmltted by appUcable law. 22. Release. Upon paymCIII of aU sums secured by !his SCliuril}' Inslrumenl, this Security InslrWnenl and lite eslaUl conveyed sbaIJ II'J\I\inaUl and become void. Afrer such OCCurrence, Lender shall dJscharge and sadsfy this SCliurl1}' hlSll1lmcnl wl!houl charge 10 Borrower. Borrower shall pay any recordation cOSls. 23, Waivers, Borrower, 10 the eXUlnt pennillcd by applicable law, waJves and releases any error or defcclS In pI'OCecdlngs to enforce !his Security Inslrumenl, and hereby waJvcs !he beneOI of any present or fUlure laws providing for stay of cxecudon. exrension of tlme, exemption from IIllachmenl, levy and sWe, and homcsread eKempdon, 24, Relnslalement Period. Borrower's lime 10 reinSlaUl provided in paragraph 18 shall eXUlnd to ono hour prior 10 tho commencemenl of bidding at a sheriffs sale nr other sale pursuanllO this Seeuril}' InstrumenL 2$, Purchase Money Mortga,e, If any of the debt secured by !hIs Securily Inslrumenl Is lenl 10 Borrower 10 acquire dtle 10 !he Property, this Security InSlrumenl shalll>e a purchase money mongage. 26. latercst Ra.le Atter Judgmenl, Borrower ligrees !hat !hc Inrercsl rare payable afrer a judgmenl is enUlred on the NOIll or in allacdon of mongage forcclosure shall be the rare payable from time 10 time under the NOUl. ITEM 1150~S {ll021 eoo~ 1125 fACE 192 Form JOJ9 9/110 (po,. j 0/6 po,"1 QfUllA_"'utlftl"'lH"":'... fa 01.' C.I: l.aon'$.)O.1313 'AX '...Pll-1U1 " ( r , 27. !tlclen 10 Ibis Stcurll, IlIIIruDlenL If one Ol' more rldcn IItC cxeculed by Borrower and recorded lO.cdIer with Ihla Security InIIIwnenI, Ihc COV_IS and IIfIle/lleOIS of each such rider shaU be Incorpo!'lled InIO and shaIlllllelld and "'llP1clmen1 Ihe covenants IIl1d ~1S of thb Security Instrument as if the ridcr(s) were. a part of this Security InslrumenL IChcck appUcabIo bo.(es)l o Adjusllble Ralo Rid<< 0 Condomlnlum Rider 0 t-4 FIIIIUy Rider o GllldUllCd Payment Rider 0 I'lanncd Unlt Development Rider 0 Blwccldy Payment Rider o Balloon Rider 0 R.vc Improvement Rider 0 Second Home Rider I] Othcr(s) (specify) J.t~ d..~. BY SIONlNG BE1.0W, Bonower acccplS and qIl:les to Ihc lem1s and covenants contained in pages 1 through 6 of this Security InsIrument and In any ridcr(s) cxeculcd by Borrower and recorded with II. Wllnesses: --llLLLw.1 J Jr(U 111<. Lei' ~~ K Cla;d;;,J'F WENDI K, LATHROP ,Social Security Number 209- 52 -1.2~ (Seal) ~80nowClr Social Security Number , (Seal) -8onowir Social Security Number -_ (Seal) -Borrower Social Security Number (Seal) -8ono..r COMMONWEALTH OF PENNSYLVANIA, eUlnUCtLa.~ Countyss: On this, the 2ND day of APR I L , 1993 . before me, the undersigned offlCCl', personally appeared WEND I K, LATHROP , known 10 me (or sallsfaclOrily proven) 10 \Ie die person whose name u...o subscribed 10 the within inslrUment and acknowledged dill 'Olu..- execulCd the same for the purpose herein conlalned. IN WITNESS WHEREOF I hereunlo set my hand M.d official seal . ,,,\111''''',,,,.:'' ;;'oIB\ I . .',1 (l,c! ", .,~ ' .,,> ^ J" ". .....f "'" ...,. ..;~ . ~ ..,. " ..' .... J. ". 't.. My Commission expires: \ \ lfj q(p 7JZtLUltU .t14J: ().. C!.. Ail.. i ,;- ", !~~;;':';:.~C!::I~<:.' lJ ., i .., "i.~~.".. Notarial SeaJ ~_ It.'..; 40 .: ::. rolf' v8IeIIos.slad<nid<.No!aJyF\j-/;c ::~:~ '~'. ..: '!!:(..;;i: ~rnpdonTI'IP..Ct,~oo'.,arA1c",,~ 71fltac'Uj -PL~l n...:.,.'<-!.~.~. ':_'''':',.~.:,,,<;. ;~: MyComrnlss!on&;~reSI'kw.n lQOO \.... .;" :.', ..........'.,...." .'.;;.,. , 1fvar>aAssoae'onoi'Niiiar..s ". '-"-Y~J':<;:rill..*~..r:' . ,v.( ....' " "1",. s's. .' ,",I. f",,,, "",.., ......., IfflhUll...... ACCOUNT #: 5201156645 ITEM "SOL' (11021 form JOJ9 9/90 (po~. 6 of6po~<I) , (. ( . . ."" '" . . " ALL that certain lot ot land, "ituate in the Township ot East Pennsboro, Cou~y ot Cumberland and State of PennsYlvania I more particularly bounded and described as tollows, to witl BEGINNING at an iron pin on the East side of a public road known as the State Road, now Enola Drive, or South Enola Drive at the intersection of the line of property now -or late of C. C. Garland and wite, with the said State Road; thence eastwardly along the line ot Garland property I a distance of 125 feet to a stake; thence southwardly a distance of 25 feet to a stake; thence westwardly along land now or late of Newton L. Kapp and through the center of a partition wall between house on lot herein described and house on lot adjoining on the South and beyond, a distance of 125 feet to a stake, and thence northwardly a distance of 25 feet along the eastern line of said Enola Drive to an iron pin, the place of BEGINNING, HAVING thereon erected a two story brick one-half of a double dwelling house, known a No. 104 South Enola Drive, and also a two car frama garage. BEIOO TflE SAME: PREMISES which M:u-k Allen Zeigler and Debra Sue Zeigler, forrrerly ktxlwn as Debra Sue F'ony, husb3.nd am wife, by deed dated April 2nd, 1993 arx:l which is intended to be recorded fort.!'llfith in the Cl.mlberland COunty Office of the Fecorder of Deeds, granted arx:l conveyed unto Wend! K, Lathrop, M:>rtgagor herein. ;Ii . , , w....".~...f..'. .' ~~. ",~ .-- r.7~' ~'- ~ "-i ... "~ .~. ".... ~ t."-'} "'''/~<'''' ...,-, - , .. ...-" 4" .,.., ~.f;I"'" f JI... ... (....\),..II.~.'.~"...~,,;.:/.t1:..,..r") I ti""'~..ro....flr.'''''''''''"'-.;'''4\:"......( .~"v.. "~'.'''..''''~_''..' " (/"~f,".~~j_ "\,c" /. .... j...~~'r;-'_ "'.'~"'I ,,,..,.,,.~-~.. ,'"","',,,.1' ," . . f.:.~.,.,-..... .....;.._, . 1.."':;' . -. """''':'~'''' , ,C,~.o, ',&,. \'1'('ri.<ti,..~ ,I"~:'''''''''' " ,~...,.~... 'r r. ""~,,,, . ~ ... ,,.... ll~"~~ ri., ~ , ~...~ ,...-.. ~,.....'. '~" '-".\ . I ,,' ,'-. ..... " r__ ...""'.' ."~~ '1' '\; ~'\ _', ",. ",.,', ( . . ....".. .~.... '. r........ ~ '.,'. ;. , v....,--" ...../ r.'oJ.. ' ,.... 8 "', '.""...' ,~v '" , '", '('\... I, .. I ,~. ') 1 ,. 1,\ 'J ...... :,..... " , I . ~ ,.... ' ."....... .~\.~.\,,,... " .':;;;"'. .~t..- . " ".. 0/ Pl)nn~ylvQnl. } 55 . ':..:" '.11 Cllnlh~rlltnd ,.' ~ iT! :ho offloe for the recording of Do<Jd.l . "l1..'~' ,'.rl.f~rl~~,lllt,.,rl.s~CountX./A'n ,.. . 0.< !jtO.. Vol. _P'Doe~ :.. . my hM1d "~ ......1 of aI1k:1if", 'd 9..3 ':.;::rll~ Ju, i j!, thi~ d41y 01 ~ 19 ~~{~/~ &OOK 1125 rAtE 49,1 1 ( .l F6Iton Bank ( People dedicated to your success.. PO BOX ',887 . LANCASTER. PA 1 760'. I i I , I 'I I (717) 291-24S9 September 17, 1997 Wendi K, Lathrop 104 So~th Enola Drive Enola, PA 17025-2706 RE. Mortgage Loan Account 520-115664S TO. WENDI K. LATHROP NOTICE OF INTENTION TO FORECLO~E MORTGAGE (FNMA/FHLMC MORTGAGE) The MORTGAGE held by PULTON BANK (hereinafter, we, us, or ours), on your property located at 104 South Enola Drive, Enola, Pennsylvania, IS IN SERIOUS DEFAULT, because you have not made Three (3) monthly payments of principal and interest in the amount of $402.41 each, due for the months of July, August, and September 1997/ Three (3) monthly payments of escrow items in the amount of $67.16 each, due for the months of July, August, and September 1997; plus late charges of $80.48, which have accrued to this dat.e. The Baril< haa inc~\rred expenses in the aum of $20.00. Total amount now required to cure this default, or in other words, get caught up in your payments and other' ob.ligationa, as of the date of this letter, is $1,509,19. You may cure this default within THIRTY (30) DAYS, of the date of this letter, by paying to us the above a"'ount of $1,509.19, plus the additional monthly payn\ent of $469.57, duo October 1, 1997, plus a late charge of $20.12, if that payment i.s not made by Octobe.r 16, 1997. Such payment must be made either by cash, cashier's check, certified check or money order and made at the Loan Review Department at Fulton Bank, 29 East King Street, Lancaster, Pennsylvania. If you do not cure this default within such THIRTY (30) DAYS, we intend to exercise our right to accelerate the Mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original Mortgage in monthly installments. If full payment of such amount of $1.,509.19 plus the other items referred to above is not made within such THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property by judicial proceeding. You have the right to assert in the lawsuit the non-existence of a default or any other defense you may have to acceleration and for.eclosure. If the Mortgage is foreclosed your mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorneys' fee actually incurred. lInyattorneys' fees will be added to whatever you owe us, which may also include our reasonable costs, : We may also sue you personally for the unpaId principal balance and all other sums due under your Note and Mortgage, Such suit against you personal Iv may also result in your Mortgage being foreclosed and your mortgaged property being sold at Sheriff's sale. IE you have not cured the default within the thirty day period and the lawsuit referred to above has begun, you still have the right to cure the default, reinstate the mortgage. and prevent the sale after acceleration at any time up to one hour before commencement of bidding at the Sheriff's sale of your mortgaged property. You may do so by paying the total amount of the unpaid t " I ( ( ":.\f,' " \ '''-'L~ , !I', I " . , . 8' ~ "'_ 6.rn!g: f.~U.:fJ J/ ~/ ;';' '\.:~ .....-;\ #' ,. .i. . . ~, I . ~ t ,.:0. .:.. " .it ,~ .' . ,<t I i .: I,. .._~.._ . g .~' ~ :-.~.-' F~~ :::~r: _ ~t;' <:l eo ~ If ~.g !j :no 0< 0\" ~ ~CT LBTTER MAILING NOTIl '\ q~ \~ ~------------- P 3'1/1 120 025 US POIlal S8IV1ot - ., .. " "'-....,....,., I...U Wbndl K. Lathrop 104 Squib Enola Drive Enola, PA 1'1025-2706 l P....ge $ . ;"~ / ~)- Certified Fee Sped., O~i"'l'( F.. FleSlti41ed OeMvtry F", ~ Relu. IIOCtIptSliOwlnglo - I'ollom 011'01"'11II. 'l;Aoo.mIlo:oilC~1Iloo>, ~llelt,IAddr_'I_' i TOTA~~,: $ P.OSlmlrtc Of Olle E . 8 ,~ ~ ..' . u. '" ' ~ Yo 7 S .- \' ~ /, /(1 J. '"2_ .--..,. --- i I ~ 5 J 3. Arti. cle M.d. ,e,ss. ad. to: . mOMAS A MOMME .' J NET D MOMME ;... 5 4 DEERFlELO DRIVE ;. NORRIS TOWN PA19403 ! .Qompfet.It~m. 1 and/or 2 for additional ..rvlcel, .9omPtt.It.mt 3, "a! 1100 .b, .Print ywr RIme and add,." Ofl the rever.. of Ullt torm 10 thlt 'Nt OIn r"um IN, CoIrd to you, "Mach IhlI /turn 10 lhe front 01 the maUpleoe, or on the bid!" lpaot..... ~ .~R.tum R~pt Rtqutftld' on lhe INIl1p1ece below IhIlrtlde!\UfOOtr, .The Rt1um Recelpt wlN Ihowlowhomlhe 1r11d, WI' auvttlld and lht datI dIIlYfied. I also wish t\ following se extra fee): 1. 0 ~.dd 2. 0 Aost Consult pos 4a,VtJr3qrf { 4b. Service Type o Aegls1erad o Exp'aos Mall o Aelufll ReceIpt or Men:handi 7. Date 01 Dell. ry : ?' liS :: if · " ?:;t , ;" . '. --- ~....:,q '>- u. ~J~~ Co \f ~-<t f ... ~.:~. . :", Y-",;"-, " ":-'d;:'iJi..\j 11 ';,~ :;,'~;/~L.:. ".j;'.i("('" , ',j-.T,;; ':, "1 . :,TJ/:~'~':',: ..-: .:,.~~'" :i ~(;1,', " "',.'lr' I : \ - :- - - omestlc Return Receipt ~. "-. ~~ p i "tl uJ _.Il 00 .... I\J o o I\J In '" f1I " $ I ... - ~ ,~.. .~, ,",'-\ ';..l\i i./):" .~d! ...~. c .. " .' . r" ~ \g\\\\\ . . , \\V(\( \ . ) II .11 II' . (ttldtonBank (;. People dedlcaloo to your success.. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ TlUS NOTICE. YOU MAYBE ELlGmLE FOR FINANCIAL ASSISTANCE WlDCH CAN SAVE YOUR HOME FROM FORECLOSURE AND ImLP YOU MAKE FUTI1RE MORTGAGE PAYMENTS. Dale: September 17, 1997 RB: Account No.: '20-1156645 TO: Wendl K. Lathrop 104 South Enola Drive Enola, PA 17025,2706 PROM: Fulton Bank 29 East King Street Lancaster, PA 17602 You may be eligible for fiwmdal -.......ce that will preveat foreclosure on your mortgage If you comply with the provlsious 01 the Homeowners' Emergency Mortgage ,l~"nce Ad 01 1983 (the "Ad"). You may be eligible for emergency temporary -."..ce If your default bas been caused by dn:umstances beyond your coatrol, you bave · reasonable prospect 01 resuming your mortgage payments, and If you meet other eligibility requfnmeats established by the Pamsytvania HouslDg FlDaace Agency. Please read all of this Notice. It CODtaias an eIpIaaation of your rights. Under the Act, you are entitled 10 a lemporary stay of the foreclosure on your mougage for thiuy (30) days from the date of this Notice. During that tlmc you must arrange and attend a "face-to.face" meetmg with a representative of this lender. or with a designated consumer credit counseling agency. The pUrpose of lhl. meeting Is to attempt to work out a repayment plan. or to otherwise sellle your delinquency. This meeting must occur In the nClIt (30) days. If you attend a face-to-face meeting with lids lender, or with a consumer credtt counseling agency Identified In this notice, no further proceeding In mougage foreclosure may take ptace for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative Is: James D. Manin Pullan Bank (1.0. Ball 4887 Lancaster, P A 17604 Telephone No: 717/291.2459 The names and address of designated consumer credit counseling agencies are shown on the allached sheet. It Is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your Intentions. The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397. 4, .' ~~ . ( Ful:tan Banke. People dedJcaled to YOUf success.. .' ACT 91 NOTICE SEnEMBER \7, \997 PAGE 3 Your mongage II In default becaute you have faUed to pay promptly tnall.llrnenu of prlootpal and lnterelt, u required, for a period of alleut Ibuy (60) daYI, The 10talllllOunt of the delinquency t. $U09.19, ThINIIID . Includlll the following: Three (3) monthly paymenu of principal and Inten:atln the lIIIOunt of $402.41 eacb, due for the monW of luly, AUll\l.lt, and September 1997; 1bree (3) monthly payments of escrow Items In the amount of $67.16 each, due for the months of luly, August, and September 1997; lotalllng $1,408,71, pluslatc feca In the IUDI of $80.48. The Bank has Incurred ClIpcnaca In the sum of $20,00 In the collectlon of thIa ll:COunt. If you have tried and arc unable to resolve this problem It or after your face-to-face meeting, you have the right 10 apply for financial assistance from the Horneownell' Emergency Mongage Assistance Fund, In order to do thll, you must till out, sign and tile a completed Horneownell' Emergency Alslstance Application with one of the designated conswner credit coul1BCling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency wlll LuiSI you In tilUng out your appllClltlon and wUI submit y;lur completed appUcatlon to the Pennsylvania Housing Finance Agency, Your application must be tiled or poslmarked, within thiny (30) days of your face-la-face meeting. /tls "':/r,m,ly Importantthlll you fll, your DpplleaJ/on promptly, If you do not do so, or If you do not follow th, other tim, p,riods III Jorth in this 111I", Joreelosure may proe"d against your ham, Imm,dUII,ly, A vall able funds for emergency mortgage assistance arc very Ilmlted. They will be disbursed by the Agency under the eligibility criteria established by the Act. Ills e~trcmcly important that your application is accurate and complete in every respect. The PennsylVania Housing Finance Agency has sl~ty (60) days to nlake a decision after It receives your appliClltlon. During that additional lime, no foreclosure proceedings wlll be pursued against you if you have mel the lime requirements set fonh above. You wlll be nOlified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located al2101 North Front Street, Post Office 80;( 15530, Harrisburg, PCDIISylvania 17105. Telephone No. (717) 78Q.3800 or 1.800-342.2397 (toll free number), Pel10ns with Inlpalred hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Acl 6 of t974. ThaI notice is called a 'Notice of intention 10 Foreclonure". You must read both nOlices, since they both e~plaln rights that you now have under Pennsylvania law. However, If you choose to e~ercise your righls described In this nOlice, you cannot be foreclosed upon while you are receiving thaI assistance. SPM:car co: lames R. Clippinger, Esquire The Pennsylvania Housing Pinance Agency can be reached TOLL FREE at 1(800)342.2397. C) u~ Cl ~;;:; I,;:J 1 ( .~. .;:J "') ( , :,:u , n p ) I I i . , , Iln 1'..1 i'~'l '-I ;'-~;6 ! '~: , ":'.1 1':1', f ,..:ft (' ,'\ ) .- CJ1fI .' J , "..:~ :;1 C.... :lJ .... -<