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York Federal Savings and Loan
Association.
-vs-
James S. Horton and Terri I-I orton
In the Court of Common Pleas of
Cumberland County, Pennsylvania
No. 98-2009 Civil Tenn
David E. McKinney, Deputy SherllTwho being duly sworn according to law, says on
March 31,1999 at 6:29 o'clock P.M. EST, he posted II copy of Real Estate Writ Notice
Poster and Description in the above entitled action on the property of James S. Horton
and Teri L. Horton located at 1012 Kent Drive, Mechanicsburg, Cumberland County,
Pennsylvania according to law.
David E. McKinney, Deputy Sheriff, who being duly sworn according to law, says on
February 2,1999 at 7:10 o'clock P.M,EST, he served a true copy of Real Estate Writ
Notice and Description in the above entitled action upon one of the within named
defendants to wit: James S. I-Iorton by makin gknown unto James Horton at 1012 Kent
Drive, Mechanicsburg,.Cumberland County, Pennsylvania its contents and at the same
time handing to him personally the said true and attested copies of the same.
David E. McKinney, Deputy Sheriff, who being duly sworn according to law, says on
Febnlllry 2,1999 at 7:10 o'clock P.M.EST, he served a tme copy of Real Estate Writ
Notice and Description in the above entitled action upon one of the within named
defendants to wit: Teri L. Horton, by making known unto James Horton, husband at 1012
Kent Drive, Mechanlcsburg, Cumberland County, Pennsylvania its contents and at the
same time handing to him pcrsonally the said true and attested copies of the same.
Kathy J. Cla.-ke, Deputy Sheriff, who being duly sworn according to law, says on
April 1 , 1999 at 12:53 o'clock P.M.EST, she served a copy of Real Estate Poster in the
above entitled action upon one of the within named defendants to wit: James Horton by
making known unto James Horton at 1012 Kent Drive, Mechanicsburg, Cumberland
County, Pennsylvania, is contents and at the same time handing to him personally the
said true and attested copies of the same.
Kathy J. Clarke, Deputy Sheriff, who being duly sworn according to law, says on
April 1 , 1999 at 12:53 o'clock P.M.EST, she served a copy ofreal Estate Poster in the
above entitled action upon one of the within named defendants to wit: Teri I-Iorton by
makin gknown unto James Horton Husband at 1012 Kent Drive, Mechanicsburg
Cumberland County, Pennsylvania, its contents and at the same tilTle handing to her
personally the said true and attested copies of the same.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the
above Real Estate Writ Notice Poster and Description in the following manner: The
Sheriff mailed a notice of the pendency of the action by regular mail to one of the within
named defendants to wit: James S. Horton at his last known address 1012 Kent Drive,
Mechanicsburg, Pennsylvania. This letter was mailed under the date of April 2, 1999 and
never returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the
above Real Estate Writ Notice Poster and Description in the following Manner: The
Sheriff mailed a notice of the pendency of the action by regular mail to one of the within
named defendants to wit: Terri L, Horton to her last known address 1012 Kent Drive,
Mechanicsburg, Pennsylvania. This letter was mailed under the date of April 2, 1999 and
never returned to the Sheriffs Office.
cU,,'berland Coun\'}
la)( Cla\{n Bureau
7 . N'''''' .nd odd"''' " .,e~ ,lhe~ ""..,n " wno'" 10' pl.lnlili
""""",dg. ~h' h" en' Inle'''' in 10' pro"'" "".h "'., be e.ectad b, ,be ,,~
Mdress (il address cannot be reasonably
~ceu.~ined~lease do inc;ll.~
nas
...------
,
. .'
Alflda\/it under pA RCP 3~29,~ . page 3
S. N."'" .nd .dd"''' ,I "e~ oIb" ,e..,n ~h' h" .M reo"d II.n on """,
property',
~
. 6. N."'" .nd odd"''' " ".~ ,'het """,n ~"" h" an' _,d In'''''' In 10'
P""""' and ""_ InI",,1 ",., be ."""Ied '" the "I.
Mdress tll addresS cannot be reasonablY
~cen.~~~
cumberland county court ~ouse
soutn ~ano\/er & ~\ign streets
carlisle, pA r70~3
Mdress til addresS cannot be reasonablY
ascertained lease do Indicate
=-u>-
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!iam~
I'oIIA
I ,e.i'" 'ha' 10' s,a"m''''' ",.d' In 'hiS affid'" .'" bU' .n<! "",eo' \0 ,be b." 01
"" p_na' .n",ledQe " InI"",a\IOn an<! be"" I un<!...tand lOa' ,.... stale""'''''
\te,.ln ate ",ad' ,ubjaol " ,be """""" " t8 p' C.,. .eo 4904 telal"'" " u,,~"n
lalsiflcation to autnoritles. l
,~
-
Beniamin r Riggs, Jr.
AMrney lor Plaintiff
I.D. 1'010.72030
Date:~--
THE NAME OF THE OWNERS 01' REPUTED OWNERS OF THIS PROPERTY IS:
JAMES S, HORTON
TERI L. HORTON
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entllles or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale in
accordance with this schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it is filed, Information about the
Schedule of Distribution may be obtained from the Sheriff of the Court of Common
Pleas of Cumberland County, Cumberland County Courthouse, South Hanover & High
Streets, Carlisle, Pennsylvania,
THIS PAPERJS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY,
It has been issued because there is a Judgment against you, It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights, If you wish to exercise your rlght~, you must act
promptly,
YOU SHOULD TAKE TH~PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH Bj:LOW TO FIND OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
1, You may file a Petition with the Court of Common Pleas of Cumberland
County to open the JUdgment if you have a meritorious defense against the person or
company that has entered jUdgment against you, You may also file a petition with the
same Court If you are aware of a legal defect in the obligation or the procedure used
against you,
2, After the Sheriffs sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly Inadequate price or for other
proper cause, This petition must be filed before the Sheriffs Deed is delivered,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No, 98.2009.Clvil
vs.
JAMES S, HORTON
TERI L. HORTON and
UNITED STATES OF AMERICA
Defendants
Action in Mortgage Foreclosure
ALL THAT CERTAIN tract of land situate, lying and being in the Township of East
Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, more
particularly bounded and described as follows, to wit:
BEGINNING at a point along the easterly right of way line of Kent Drive, a 60 foot public
right of way, said point being more speciflcaily located at the dividing line of Lot No. 571
and Lot No, 572 on the hereinafter mentioned plan; thence, along the easterly right of
way line of Kent DriVe, North 14 degrees 00 minutes 00 seconds West, a distance of
105,00 feet to a point, said point being the dividing line of Lot No. 572 and 573; thence,
along said dividing line, North 76 degrees 00 minutes 00 seconds East, a distance of
125.00 feet to a pOint; thence, South 14 degrees 00 minutes 00 seconds East, a
distance of 105.00 feet to a point, said point being at the Intersection of the dividing line
between Lot No. 571 and Lot No, 572; thence, along said dividing line South 76
degrees 00 minutes 00 seconds West, a distance of 125.00 feet to a point, the place of
BEGINNING.
BEING Lot No. 572 on the Final Resubdivlsion Plan Lots No. 568-576 of the Highslends
of Hampden Square Phase I, as recorded in the Plan Book 57, Page 59 and Plan Book
53, Page 112,
BEING the same premises which Yingst Homes, Inc., by its Deed dated August 9,
1995, and recorded on August 18, 1995, In the Office of the Recorder of Deeds in and
for Cumberland County, Pennsylvania, in Deed Book 126, Page 996, granted and
conveyed unto James S, Horton and Terl L. Horton, the Mortgagors herein.
UNDER AND SUBJECT to certain conditions and restrictions as appear of record In the
Office of the Recorder of Deeds in and for Cumberland County, Pennsyivania, in Misc,
Book 340, Page 181 and Misc. Book 370, Page 500 and Misc, Book 444, Page 604.
EXHIBIT A
Page 1 of 2
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEAL TI-I OF PENNSYL VANIA)
COUNTY OF CUMBERLAND)
NO. ~1l:.f.QQ2____ CIVllXle TE""
CIVIL ACTION - LAW
TO THE SHERIFF OF ---Cunbel::limd_ ..._._.._.. COUNTY:
To satisfy tho debt, Intorest3nd costs due-XorLf'edoraLSu\'inus.Wld. Lo.1ILlIlisJ..ll;;ii;ltiQn..._._~
-----.--.-..-----.-..-----.------....---....--------- ---.--... .----,-. '---.- "'-'---"-- .......-----_______.___n__ PLAINTIFF(S)
from _._..i!.i!l1es fh.. Hor torum<LT!lJ:'U",_Hort:Ql1.___1QJ?_K..E1nt:Dr:j-"E!L_Mf]~tltl..nlE1I)!l!'9c. I.'fl.'-J1Q.55_____._
.fIlliL1InitecUitillfl!i..QLhnerICg .___ ..___. _m__
.... .----.-...-..--------.-.----- ._....._---",.._------.~.-..-
-.-----.-----.-~--_._.u___.._____.____....____..._____..._________DEFENDANT(S)
(1) You are directed to levy upon the property of the defandant(s) and to sell.. alL..that:...cert~dn tract.. of
larrLwI th.J:.he_:iJ]1m:QY~n tSut:l1ereon_ er..E1.Q. teet. sI tua ~..lr1...the tOfl!lshIp_.()!'..J::9.S t PeI1Jlsbo!:.~..__
Cunberland Cou~ CaTlTlOI]wealth o~..J'~!lnsylvani.a des.crJ~..2Il....EXhIt::i.~~_____.________.
_._~----_..._._-_.._.__.__.._---,---~_..._-_._---_.._---~--~---~~--~--~--.....-._.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of _.~.
~--~-_.._--_._--~~--~_.,-----_._-_.~-_._--~----------------
._~-----._--------
GARNISHEE(S) as follows:
and to notify the garnlshee(s) that: (a) an attachment has been Issued; (b) Ihe garnlshee(s) Is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof;
(3) If property ofthedefendant(s) not levied upon an subject to allachmenl is found In the possession of anyone other
Ihan a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above
stated. .
Amount DueJ24l...Q(i8.31 . __
Fnl~~s(13/98.~~~~~Jf/99 :.._____~
Ally's Comm %
Atty Paid .. 3 2 8 . 4 6
Plaintiff Pald___
L.L.
Due Prothy $1. 00
Othel' Costs Escrow DefJciL_-S476.00
Late Charges fran 9/3/98 .!;hrough 6/9/99
at $91.13 per rronth '__ $797_~2_~
Date: JanuE!Y. 26, 1999
CurtIs R. Long
Prothonotary, Civil Division
REQUESTING PARTY:
Name Benj<.rnJn _~'. RIggs, Jr., Esquire
Addross:J.01 South Georqe Street, P. O. Box ]5068
York, Pa. 17405-7068
('
by:. j,,"'I' ,
I
(I /) 1.-<.1.1);.
Deputy
* Interest - (inclusIve) at $53.9344 per dIem
Attorney for: ""'p'lAipHH'
Telephone: J 7171846~8777
Supreme Court ID No. ...l2Jl3.0.___________
. . o4h
Jl).,(\.R 0 _' 199B Judgment entered by the Prothonotary this day
aooordlng to the tenor of the above statement.
C\1J\t.)) Q. LuQ (~ ) IJtl
Prothonole!:. f
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N rHf: COURr OF COMM
Yo ON PLEAS OF CUMS
~NDR'!6...~~'!:;;~~~~~s , <RU,ND CDUN~ P<NNey( II~N",
". Plalnl,. No. 98."'9""'1/
;:~~S ~' HORrON
UNlrE:D s?:;~N and
OF AMERICA
Defendants
"
Action In Mort
d~N' 1'0 .... Fo",Oios"",
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a. Of ... d.., Iha ',,", a"" ("'n ~"". ~
"""""",''''''' "'al -/po fo, Iha "'" of ""'''''n, PI"n.. In Ih. b
p"P.", Iooa,." ai, .X","lion ".. .... I: ;"'" ""ion, .'" tonh
OWing Information
1012 Kent D '
Mechan! b fiVe
N, Cs urg, PA 17055
ame and address Of Ow
ners Or Reputed 0...
'vners,
dgg~~
1012 Kent Drive
r.n ( """'" """"an/OSb""" P ~ 17085
1012 Kent Drive
MeChanlCSburg PA 1'>
<. N"",," , '085
an" address Of De"
""'"" ""an~ In M. Jue/,
- -t,
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Jatnes S, Horton
ren L, Horton
1012 Kent Drive
MeChanlCSburg, PA
1012 Kent DriVe
MeChanlCSburg, PA
17055
17055
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en (.)
,
THE NAME OF THE OWNERS or REPUTED OWNERS OF THIS PROPERTY IS:
JAMES S. HORTON
TERI L. HORTON
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale In
accordance with this schedule will, in fact. be made unless someone objects by filing
exceptions to it within ten (10) days of the date it Is filed. Information about the
Schedule of Distribution may be obtained from the Sheriff of the Court of Common
Pleas of Cumberland County, Cumberland County Courthouse, South Hanover & High
Streets, Carlisle, Pennsylvania,
THIS PAPER IS A NOTICE OF THE TIME AND PLA-.QE OF THE SALE OF
YOUR PRO~ERTY,
It has been issued because there is fA Judgment against you. It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE nu; OFFICE SET FORTH BELOW TO Flm> OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the Judgment If you have a meritorious defense agalnstth('j person or company
that has entered Judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect In the obligation or the procedure used against you.
2. After the Sheriffs sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly inadequate price or for other
proper cause. This petition must be filed before the Sheriff's Deed is delivered.
"
THE NAME OF THE OWNERS or REPUTED OWNERS OF THIS PROPERTY IS:
JAMES S. HORTON
TE:RI L. HORTON
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be flied by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale in
accordance with this schedule will, In fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it Is filed. Information about the Schedule
of Distribution may be obtained from the Sheriff of the Court of Common Pleas of
Cumberland County, CUmberland County Courthouse, South Hanover & High Streets,
Carlisle, Pennsylvania.
JHIS PAPER IS A NQTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY.
It has been issued because there Is a judgment against you. It may cause your property
to be held to be sold or taken to pay the jUdgment. You may have legal rights to prevent
your property from being sold or taken to pay the jUdgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD.IAKE THIS PAPER TO YOUR kAWYER AT ONCE. GO TO QR
TELEPHONE TH.E OFFICE SET FO~TH BELOW TO FIND OUT WHI;;BE YOU CA~
GET fREE LEGAL ADVICE;:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the jUdgment If you have a meritorious defense against the person or company
that has entered judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect in the obligation or the procedure used against you.
2. After the Sheriffs sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly Inadequate price or for other
proper cause. This petition must be filed before the Sheriffs Deed is delivered.
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.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 98-2009-Clvli
vs.
JAMES S. HORTON
TERI L. HORTON and
UNiTED STATES OF AMERICA
Defendants
Action In Mortgage Foreclosure
ALL THAT CERTAIN tract of land situate, lying and being In the Township of East
Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, more
particularly bounded and described as follows, to wit:
BEGINNING at a point along the easterly right of way line of Kent Drive, a 60 foot public
right of way, said point being more specifically located at the dividing line of Lot No. 571
and Lot No. 572 on the hereinafter mentioned plan; thence, along the easterly right of
way line of Kent Drive, North '14 degrees 00 minutes 00 seconds West, a distance of
105.00 feet to a point, said point being the dividing line of Lot No. 572 and 573; thence,
along said dividing line, North 76 degrees 00 minutes 00 seconds East, a distance of
125.00 feet to a point; thence, South 14 degrees 00 minutes 00 seconds East, a
distance of 105.00 feet to a point, said point being at the intersection of the dividing line
between Lot No. 571 and Lot No. 572; thence, along said dividing line South 76
degrees 00 minutes 00 seconds West, a distance of 125.00 feet to a point, the place of
BEGINNING.
BEING Lot No. 572 on the Final Resubdivlslon Plan Lots No. 568-576 of the Hlghslands
of Hampden Square Phase I. as recorded In the Plan Book 57, Page 59 and Plan Book
53, Page 112,
BEING the same premises which Yingst Homes, Inc., by Its Deed dated August 9,
1995, and recorded on August 18, 1995, in the Office of the Recorder of Deeds In and
for Cumberland County, Pennsylvania, In Deed Book 126, Page 996, granted and
conveyed unto James S. Horton and Teri L. Horton, the Mortgagors herein.
UNDER AND SUBJECT to certain conditions and restrictions as appear of record in the
Office of the Recorder of Deeds In and for Cumberland County, Pennsylvania, In Misc.
Book 340, Page 181 and Misc. Book 370, Page 500 and Misc. Book 444, Page 604.
EXHIBIT A
Page 1 of 2
THE NAME OF THE OWNERS or REPUTED OWNERS OF THIS PROPERTY IS:
JAMES S. HORTON
TERI L. HORTON
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a pal1 of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by 'the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale In
accordance with this schedule wl/l, in fact, be made unless someone objects by filing
exceptions to It within ten (10) days of the date it Is filed. Information about the Schedule
of Distribution may be obtained from the Sheriff of the Court of Common Pleas of
Cumberland County, Cumberland County Courthouse, South Hanover & High Streets,
Carlisle, PennsYlvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY.
It has been Issued because there Is a jUdgment against you. It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the jUdgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUB LAWYEB AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BEI,.QW TO-ElND OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the judgment if you have a meritorious defense against the person or company
that has entered jUdgment against you. You may also file a petition with the same Court
If you are aware of a legal defect In the obligation or the procedure used against you.
2. After the Sheriffs sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly Inadequate price or for other
proper cause. This petition must be flied before the Sheriffs Deed is delivered.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 98.2009.Clvll
vs.
JAMES S. HORTON
TERI L. HORTON and
UNITED STATES OF AMERICA
Defendants
Action In Mortgage Foreclosure
ALL THAT CERTAIN tract of land situate, lying and being in the Township of East
Pennsboro, County of Curnberland and Commonwealth of Pennsylvania, more
particularly bounded and described as follows, to wit:
BEGINNING at a point along the e,':!sterly right of way line of Kent Drive, a 60 foot public
right of way, said point being more specifically located at the dividing line of Lot No. 571
and Lot No, 572 on the hereinafter mentioned plan; thence, along the easterly right of
way line of Kent Drive, North 14 degrees 00 minutes 00 seconds West, a distance of
105.00 feet to a point, said point being the dividing line of Lot No. 572 and 573; thence,
along said dividing line, North 76 degrees 00 minutes 00 seconds East, a distance of
125.00 feet to a point; thence, South 14 degrees 00 minutes 00 seconds East, a
distance of 105.00 feet to a point, said point being at the intersection of the diViding line
between Lot No. 571 and Lot No. 5'72; thence, along said dividing line South 76
degrees 00 minutes 00 seconds West, a distance of 125.00 feet to a point, the place of
BEGINNING.
BEING Lot No. 572 on the Final Resubdivision Plan Lots No. 568.576 of the Highslands
of Hampden Square Phase I, as recorded in the Plan Book 57, Page 59 and Plan Book
53, Page 112,
BEING the same premises which Yingst Homes, Inc., by Its Deed dated August 9,
1995, and recorded on August 18, 1995, in the Office of the Recorder of Deeds in and
for Cumberland County, Pennsylvania, In Deed Book '126, Page 996, granted and
conveyed unto James S. Horton and Tel'l L. Horton, the Mortgagors herein.
UNDER AND SUBJECT to certain conditions and restrictions as appear of record in the
Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, In Misc.
Book 340. PagEl 181 and Misc. Book 370, Page 500 and Misc. Book 444, Page 604.
EXHIBIT A
Page 1 of 2
THE NAME OF THE OWNERS or REPUTED OWNERS OF THIS PROPERTY IS:
JAMES S, HORTON
TERI L. HORTON
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be flied by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale In
accordance with this schedule will, In fact, be made unless someone objects by filing
exceptions to It within ten (10) days of the date It Is filed. Information about the
Schedule of Distribution may be obtained from the Sheriff of the Court of Common
Pleas of Cumberland County, Cumberland County Courthouse, South Hanover & High
Streets, Carlisle, Pennsylvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALt;,..QE
YOUR PROPERTY.
It has been Issued because there Is a judgment against you. It may cause your property
to be held to be sold or taken to pay the jUdgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET F~EE LEGAL A.DVICI;:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the Judgment if you have a meritorious defense against the person or company
that has entered Judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect In the obligation or the procedure used against you.
2. After the Sheriffs sale you may file a petition with the CoU/1 of Common Pleas
of Cumberland County to set aside the sale for a grossly inadequate price or for other
proper cause. This petition must be filed before the Sheriffs Deed Is delivered.
,
,
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I
3. A petition or petitions raising the legal Issues or rights mentioned In the
preceding paragraphs must be presented to the Court of Common Plea.s of
Cumberl~'1d County at one of the Court's regularly scheduled Business Court sessions.
The petition must be served on the attorney for the creditor or on the creditor at least
two business days before presentation to the Court and a proposed order or rule must
be attached to the petition. If a specific return date Is desired, such date must be
obtained from the County Commissioner, Cumberland County Courthouse, South
Hanover and High Streets, Carlisle, Pennsylvania 17013, before presentation of the
petition to the Court.
B'"J;~'" F p,S~4--
A<<orney for the Plaintiff
(1.0. #72030)
Dated:
~/a
I
.1998
.
[ ,
I.!
Affidavit under PA RCP 3129,1 - Page 2
3. Name and address of every judgment creditor whose judgment Is a record
lien on the real property to be sold:
~'
,
I
I
I-
!
!
~ame
Address (If address cannot be reasonably
ascertained, please do Indlcatttl
The United States of America
Internal Revenue Service
P. O. Box 12051
Philadelphia, PA 19106
Attorney General of the U.S.
Room 5111, 10th and Constitution Avenue
Washington, DC 20530
Mary Catherine Frye, U.S. Attorney's Office
Federal Building, 2nd Floor, Suite 217
228 Walnut Street
Harrisburg, PA 17101
Michael J. Kane
Deputy Secretary for Enforcement
Department of Revenue
ATTN: Clearance Support Section
Department 281230
Harrisburg, PA 17128-1230
4,
Name and address of the last recorded holder of every mortgage of Record:
Address (If address cannot be reasonably
asoertalned, please do indicate)
Name
York Federal Savings
and Loan Association
101 S. George Street, P.O. Box 15068
York, PA 17405
5.
property:
~
Name and address of every other person who has any record lien on their
Address (If address cannot be reasonably
ascertained. please ~o Indicate)
N/A
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5. The nnture of nny interest nnd lnx liens of the United Stntes of Americn is based
on the Notices of Liens duly tiled by Defendnnt United Stntes of America through the District
Director of Internal Revenue in I'hiladelphin nnd Pittsburgh, Pennsylvania, respectively, as
follows:
(a) Lien Notice No. 239604787 dated April 2, 1996, and med in the Cumbel'land
County, Pennsylvania, Prothonotary's Office, Cumberland County Courthouse,
Carlisle, Pennsylvania, on May 2, 1996, to Docket Number 96-2392, in the
amount of $26,049.13, together with interest to date, which lien is filed against
tnxpayers .lames S. and Teri L. I-Iorton.
(b) Lien Notice No. 239725392 dated April 23, 1997, and filed in the Cumberland
County, Pennsylvania, Prothonotnry's Office, Cumberland County Courtho\lse,
Carlisle, Pennsylvnnia, on Mny 9, 1997, to Docket Number 97.2472, in the
amount of $13,090.77, together with interest to date, which lien is flied against
taxpayers .lames S, and Teri L. Horton.
A true and correct copy of said Federal Tax Lien Notices are attached hereto, made a part
hereof, incorporated herein by reference, and mnrked "EXHIBIT An .
6. The liens of Defendant United States of America is referred to in paragraphs 5(a)
and (b) above, having been filed respectively on April 2, 1996 and April 23, 1997, are
subordinate in priority to the lien of the herein described Mortgage, which Mortgage was
recorded in the Cumbel'land County, Pennsylvania, Recorder's Office on August 18, 1995, as
more fully hereinafter described; ami by filing this Action, Plaintiff York Federal Savings and
Loan Association seeks a judicial sale of snid Mortgaged Premises herein described.
Mortgage
7. On or about August 10, 1995, Defendants made, executed, and delivered to
Plaintiff a mortgage upon premises therein described, which Mortgage contains a description of
the premises subject to said Mortgage and wns recorded on August 18, 1995, in the Cumberland
County, Pennsylvania, Recorder's Office in Record Book 1277, Page 527. A true and correct
copy of said Mortgage is attached hereto, made a part hereof, incorporated herein by reference,
and marked "EXHIBIT B".
Assignmel1!l!
8. There have been no assignments of said Mortgage.
,Default
9. Said Mortgage is in default beenuse Defendants have fniled to make the monthly
payments of principal and interest due and owing on their loan from August I, 1997, through the
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TOGETHER WITH I~I 010 hllPIOVOIIIOIILq 1I0W ,'r horeufror erecled Oil ~IO proporty, Wid allollSOIllOIlI.~, UllpOrlelllUIOes,
Wid I'lKluros now ot heroafler a pWlol' tho proP\'rly. All replllCOllllllILq IIl1d IIddltlollS sllllllulso be covered by this Security
IQsU'1Jment. All of the foregoing is refefled 10 in Olis Security Instrulllent Il.' Iho "Pruporty."
BORROWER COVENANTS Ihat Bnflower is IlIwl'ully seised of Ihe OSUlle hereby cOllveyed uud hus the right to
",ortgllge, grwll Wid cOllvey the Properly IInd that the Property is uoellclllllbemd, eKeept fur ellculllbrUllces of record.
Borrower wnrrllllL~ IIl1d will defend go"ewlly tho IItlo to the Property 1I~lIillSt 1111 duillls ulld demands, subject to IUlY
OIlCUlnbtlll1ces of rceurd,
THIS SECURITY INSTRUMENT eOlllhilloS IIl1ifurlll COVCllllllLq fur 1I11110nlll IISC and lIulI'unil'urm CUVOIIW1Lq with
limited vlICilltions by jurlsdlctiun 10 conslltllto II ullllilflU security illstrulllo," cnv,'rlog reul property,
UNIFORM COVENANTS. Borrower IIIld Leoder covellllntlulll ngree liS I'olluws:
1. Payment or Principal and Interesli Pre"ayment and LaIc Charges. Borrower shull prompOy pay when due the
IJrincipal of and Interesloll Ole debt evldem:ed by the NOIl\ alld WlY pf<lpaYlllenlllod hue cburges due under the NOle,
2. Funds for TaKes and Insurance. Subjeclto nppllcuble law or to a written wulver by Lender. Borrower shall puy
10 Lender on the day monthly paymenLq arc due under the Note, unllllltc Note Is puld III full, a SUIll ("Funds") lilr: (a) yenrly
taxes and ILqsessmenls which may uttaln priority over Olis Secority InslrumentllS ulle/1 on the Properly; (b) yr.llfly leasehold
payments or groulld renlS on the Property, If ullY; (c) yewly hll1.111d or Ilroperty illsurance premiums; (d) ycnrly flood
Insurunce premiums. if any; (e) yearly mortgage Insurl1llce premiums, If nny; und (I) any sums payuble by Borrower to
Lender, In IIccordunce with the provisions of parugraph 8, III lieu of Ole pnymcnl of morlgllge Insurunce premiums. .l1tese
hems lICe called "Escrow Items." Lender may, IItlmy ti.l\'J, collectund hold Fnnds In an amount not to eKceed the maximum
wnountll lender for a federally minted mortgage loan mllY require for Borrower's escrow account under Ole federal Real
Eslate Settlement Procedure.~ Acl of 1974 liS IImllnded from time 10 time, 12 U.S.C. ~ 2601 el seq. ("RESPA"), unless
unother law thatupplle.~ 10 the Funds selq u lesser nmount. If so, Lender IIIUY, at any time, collect l1IId hold Funds In l1II
wnount not 10 eKceed Ole lesser wnoont, Lender may estimate the wnount of Funds due on the blL~ls of current dnla and
reasonable e.qtimales of expenditllCcs of fulure Escrow Items or otherwise In accordMce with applicable law.
'l1te Funds shall 00 held In an Institution whose deposllq lICe Insured by a federal agency, Instrumelllallty, or enllty
(inClUding Lender, If Lender is such un institution) or In tmy Federal Home Loan Bank. Lender shall apply the Funds to pay
the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, :ulllulllly analyzing the escrow
accoUllt, or verifying Ihe Escrow Items, IIl1less Lender pays Borrower Inlercst on the Funds and applicable law pennits
Lender to make such a chllCge. However, Lender may require Borrower 10 pay a one-time charge for an Independent real
Mlate tax reporting service used by Lender In connection with this loan, ullless applicable law provides otherwise. Unle.qs un
agreement Is made or applicable law rCllukes interest to 00 paid, Lender shull not be required to pay Borrower any interest
or earnings on Ole Fuuds. Borrower und Lender may agree In writing, however, thlll lnlercst shall 00 pald on the Funds.
Lender shall give to Borrower, wlthoul charge, an annulII "ccounting of the Funds, sbowing credits and debits to the Funds
and the purpose for which each debit 10 the Funds WILS made. 'nte Funds arc pledged lIS additional security for all sums
se.cured by this Security Instrument.
If the Funds held hy Lellder eKceed the wnounLq perrnllled to be held by applicable law, Lender shall account to
Borrower for the e~cess Funds in aecordallce with the requirements of applicable law. If the wnount of the Funds held by
Lender lit any time Is not sufficient to pal' the Escrow Items when due, Lcnder may so notify Borrower in writing, atld, in
such cllSe Borrower shall pay to Lender the antount necesswy to make up the deficiency. Borrower shall make up the
deficiency In no more than twelve monthly payments, at Lender's sole discretion.
Upon payment In full of all sums secured by this Security Instrumenl, Lender shall promptly refund to Borrower any
Funds held by Lender. If, under parugraph 21, Lender shall ucquire or sell the Properly, Lender, prior to Ole acquisition or
sale of the Property, shall apply any Funds held by Lender at the time of ncqulsition or sale as II credit against the sums
secured by this Securhy Instrumenl.
J. Application or Payments. Unle,qs IIppllcllble law provides otherwise, all payments received by Lender under
paragraphs I lIIId 2 shall be applied: first, to any prepayment charges due under the Note; second, to wnounts payable under
pllCllgraph 2; third, to Interest due; fOllCth, to principal due; and IlISl, to any late chllCge.1 due under the Note.
4. Charges; Liens. Bonower shall pay all lUXes, ILqseSSmenLS, chllCges, lines and impositions auributable to the
Properly which may nllain priority over this Securily Instrument, and leasehold payments or ground rents, if any. Borrower
shall pay these obllgatious In the manner provided iol pllragruph 2, or if nOI pllld In thlll munner. Borrower shall pay them on
time directiy to the person owed payment. Borrower shall promptly furnlsb to Lender all notice.~ of wnounls to be paid
under this paragrllpb. If Borrower mukcs these pllymenLq directly, Borrower shall promptly furnish to Lender receipts
evidencing the paymenL~.
Borrower shall promptly discharge IlIIY lien which hIlS priority over this Security Instrument unless Bnrrower; (II) agrees
in writing to the payment of the Obligation secured by the lIell in u manner uccepll1ble to Lender; (b) cnntests in good falth
1I1e lien by, or defends ugulnsl enlilrcement of the lien In, legal proceedlllgs which In the Lender's npluion operate to
prevent the enforcemellt of the Iiell; or (c) secures from the holder of the lien an agreement sallsfaetory to Lender
subordlnllllng the lien to this Securily Instrument, If Lender detennlnes Olot any part of the Property is subject to a lien
which may (1lUlln priority over this Security Instrument, Lender mllY give BOflower a Uotice identifying the lien. Borrower
shall sntisfy the Iiell or take one or more of tile IIctions set forth nbove within 10 days of the givjng of notice.
S. Hazard or Properly Insurance. Borrower sball keep dIe il1lprovemenLs now e~isting or hereafter erected on the
Property Insured ngulnstloss by fire, huzlllds Included wlUlln tite term "e~lended coverage" und any other huzards, induding
floods or flooding, for which Lender relluires insurmtce. This Insurance shall be mllinlllilled In the wnounts and
ITEM t9S0L2 192 I I) Docld 0000000944 ~'C)rm 3039 9190 (p4:!' 2 0/6 pale,)
O'fII1L.....u.lnn.'tttml,lno..
'- fo Ord., C.I1; 1.'00,530-1313 O'A)( "'.7'1,1131
r-" 1 )'.'" · '.)"
~oo~ .:. (( f"\f,t ;>..0 ACCH 160062243
for ~Ie periods lhUl Lender requires, nle InsuIIUlce Cll/rler pmvldlng ~Ie insurwlce shull be chosen by llorl'llwer subject to
Lender's upprovnl which shull nOI be unrClL~onubly wl~lhold. It' Borrower falls to muinlaln coveruge described ubove,
L~nder may, ut Lendor's opllon, oblJlln covelOge 10 pmtect Lender's rlghL~ In tho ProperlY in uccordwlce with paragruph 7,
Alllnsulllnce policies lUld renowals shall be ucceplJlble tt) L.enderlUlll shull Include a sumdard morlgage clause. LllI1der
shall huve the right 10 hnld the policies Wid renewals. II' Lender rcqlllros, Borrower shull promptly give to Lender all recelpL~
01' paid premiums Wid renewal notices. In ~Ie evont 01' loss. Bnrmwer shall give promplnotico to ~Ie Insurwlce carrier nnd
. Lender. Lender muy make proof 01' loss if not made promptiy by Borrower.
Unless Lender IIl1d Borrower o~lerwlse agree in writing, Insnllmee proceeds sllllll be applied 10 restorlltion or repair 01'
tile Property dwnaged, II' the reslOllltlon or repair is economically I'ellslble tllld Lender's security is not lessened. If the
restoration or repair Is not ecunomiclllly fOlLsible or Lender's securilY would be Ic.ssened, lhe Insurunce proceeds shull be
applied to the sums secured by ~t1s Security InSl/umonl, wbelher or not then due, wllh 'my excess paid to Borrower. If
Borrower ublUldoos the Property, or does notlU1swer wllhln 30 duys a notice from Londer thatlhe Insurance currier hll.~
offered 10 settle 2 claim, then Lender may collect ~Ie Insunmco procceds. Londer may uso the proceeds 10 repair or restore
tho Property or to pay sums secured by this Security tnSl/Umenl, whetllCr or not lIten duo. The 30-day period will bogln
when lite notice is given.
Unless Lender IU1d Borrower otherwise agree in writing, lmy application 01' proceeds to pnncipal shall not extend or
postpOne lI1e due date of lite monthly paymenLs referred to In parl11,'raphs I IU1d 2 or change the amount of lite payments. If
under paragrnph 21 lite ProperlY Is acquired by Lender, Borrowcr's right to Wly insurance policies lUld proceeds resulting
from dwnage to lite Property prior to lite acquisition shull pass to Lcnder to lite extent 01' lite sums secured by Ihis SecurllY
InSl/Umenl immediately prior to the acquisition.
~, Occupancy, Preservation, Maintenance and Protection of the l'ropertYi Borrower's Loan Application,
Leaseholds, Borrower shull occupy, eslJlblish, IU1d use lhe Properly as Borrower's prlncipol residence willtln sixty days
ul'ter the execution of litis Security Instrument and shull continue to occuPY the Properly as Borrower's prlnclpul residence
for at least one year after the date of occupancy, unless Lender otherwise agrees In writing, which cousent sholl not be
unreasonably willtheld, or unless extenuating clrcumstancrB exlsl which are beyond Borrower's control. Borrower shull not
desl/oy, damugo or impair lite Property, allow the Property 10 delerlorute, or commit wasle on tho Property. Borrower shull
be In default If any forfeiture uction or proceeding, whellter civil 01 erlminul, Is begun that in Lender's good falllt judgment
could rc.~ult in forfeiture of the Property or ollterwlse mllleriully Impair lite lien creuted by this Security Instrument or
~nder security interest. Borrower may cure such a default Wld relnslJlte, os provided in paragraph 18, by causing the action
or proceeding to be dismissed willt a ruling lItat, in Lender's good faith determination, precludes forfeiture of lite
Borrower's Interest In lite Properly or ollter material impairment of the lien created by this SecUllly Instrument or Lender's
security Interest. Borrower shull also be in default if Borrower, during the loan application process, gave materially folse or
inaccurate Information or statemenL~ to Lender (or foiled to provide Londer willt any materlol Information) in connection
wlllt the 10lUl evidenced by the Note, including, bUlnotlimlted to, representations concerning Borrower's occupancy of lite
Property as a principal residence, If this Security Instrument Is on a lcasehold, Borrower shall comply with all the provisions
of the lease. If Borrower acquires fee tlUe to lite Property, lite leasehold Wld the fee title sholl not merge unless Lender
agrees to the merger in writing.
7. Protection of Lender's Rights in the Property, If Horrower fails to perform the covenants and agreements
conlalned in this Security Instrument, or lItere Is a legul proceeding that may significantly affect Lender's rights in lite
Property (such os a proceedJng in bankrupll:y, probate, for condemnation or forfei~l/e or to enforce laws or regulations).
lIten Lender may do and pay for whatever is necessary to protect lite valae of lite Property and Lender's rights in lite
Property. Lender's actions may include paying any sums secured by a lien which has priority over litis Security Instrument,
appearing In court, paying reasonable attomeys' fees and entering on tlle Property to make repairs. Although Lender may
tuk.e action under litis paragraph 7, Lender does nOl have to do so.
Any amounts di.sbursr.d by Lender under litis paragraph 7 shull become additional debt of Borrower secured by litis
Security Instrument. Unlc.ss Borrower and Lender agree to other terms of payment, lItese amounts shull bear interest from
lI1e date of disbursement at lite Note rate IU1d shall be payable, with interest, upon notice from Lender to Borrower
requesting payment.
a, Mortgage Insurance, If Lender required mortgage insurance ll.S a condition of muklng lite 10lUl secured by this
Security Instrument, Borrower shull pay the, premiums required to mainlllin the mOrlgage insur-mce In effect. If, for any
reason, lite mortgage insurance coverage required by Londer lapses or ceases to be In effect, Borrower shall pay the
premiums required ttl oblaln covorage substantiully equlvulent to lite mortgage insurance previously in effect, at a cost
substantially equlvulenr to the eoslto Borrower of lite mortgage Insurance previously in effect, from lUl ulternate mortgage
insurer approved by Lender. If substantlully equlvulentmOltgage InsurlUlce coverage is not available, Borrower sholl pay to
Lender ClIch monllt a sum equulto one-lwellth of lite yearly mortgage insurance premium being paid by Borrower when the
insurance coverage lapsed or ceased 10 be In effect. Lender wlll accept, use Wld relllin these payments 118 a loss reseeve in
lieu of mortgage InsurlUlce. Loss reserve payments may no longer be required. at the option of Lender, If mortgage
InsurlU1ce coveruge (in the amount lUld for lite period lItal Lender requires) provided by an insurer approved by Lender
again becomes available lmd Is oblalned. Borrower shall pay Ule premiums required to maintain mortgage Insurance In
effect, or 10 provide a loss reserve, until U,e requirement for mortgage Insurance ends in accordance with lUlY written
agreement between Borrower IU1d Lender or applicable law.
9. Inspection, Lender or iLS agent may make reu.sonable entries upon Wld inspections of lite Property. Lender sholl
give Borrower notice at the time of or prior to an Inspecllon specifying reasonable cause for lite inspection.
10, Condemnatlun. The proceeds of any award or claim for damages, direct or consequential, in connection with
ITEM UI50L3 10211) Doold OOOO(lOO{l44 Form J039 9/90 (pd,' 3 of6pa,")
Urnl l.kn 8lt,1/Wt1 fO'm1, Inc. .
TI)O,d,rCIU: 1-100.530-1313 Of AX "'-111011:11
Bo6~ t;~'n I'm 5~!J ACCT#160062243
IUlY condemnation or olllOt laking of IUlY pan of the Property, or fur conveYlUlce in lieu of condemnation, are hereby
IIBsIgned IUld shull be puld to Lender,
In the event of 0 10Ull Illking of the Propeny, the proceeds shall be applied to the sums secured by this Security
. Instrllmenl, whether or nol then dlle. willi IUIY excess paid 10 Borrower. In the event of II partial laking of the Properly in
which the fuir market vulue of the ProlK'"y immedlalely before the laking is equal to or grealer thoothe .unount of Ihe Slims
secllred by this SecurilY Inslrllmenl immediately before the laking, unless Borrower ood Lender otherwise agree in writing,
the sums secured by this SecurilY Instrument shall be reduced by the ,UTIoum of the proceeds multiplied by the followiog
frllction: (0) the louil.unoum of the sums secured immediulely before the laking, divided by (b) the fulr market value of the
Properly immedlulely before the laking. Any balooce shall be paid to Borrower. In the evem of a partial laking of the
Property in which the fuil' market vulue of the Property immedll\tely before the laking is less thoo the amount of the sums
secllred Immediately before the laking, IInless Borrower IUld Lender otherwise agree In writing or unless applicable law
otherwise provides, the proceeds shall be applied 10 the sums secured by this Secllrity Inslrllment whether or not the slims
arc then due.
If the Properly is abandoned by Borrower, or If, after notice by Lender to Borrower IIlat the condemnor offers to make
lUl award or settle 0 clulm for damages, Borrower tilils 10 re.~pond 10 Lendcr within 30 days afler IIle dale the notice is given,
Lender Is authorized to COllectood apply the proceeds, at its option, either to re.sloration or repair of the Property or to the
sums secured by IIlls Security Inslrllment, whether or nol then due.
Unlr.ss Lender IUld Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or
postpone the due date of the monlllly payments referred to in paragraphs I and 2 or change the nmollm of such paymenl~.
11. Borrower Not Relr.ased; Forbearance By Lender Not a Walvr.r. Extension of Ihe lime for payment or
modification of amortl7.atlon of the sums secured by this Security Instrument granted by Lender to any successor in Inlerest
of Borrower shull not operale 10 release the liability of the original Borrower or Borrower's successors in Interest. Lender
shall not be required to commence proceedings againsl any succe.~sor in Imerest or refuse to extend time for payment or
otherwise modify amortization of the sums secured by this Securily IlIslrllmcnt by reason of any demood made by the
original Borrower or Borrower's successors in Inlere.~l Any forbearance by Lender in exercising any right or remedy shall
nOI be a waiver of or preclllde the exercise of any right or remedy.
U. Successors and Assigns Bound; Jolnl and Several Liability; Co-signers. The covenanl~ and agreements of this
Security InSlrllmenl shall bind and benefil the successors alld a.~signs of Lender and Borrower, subject 10 the provisions of
paragrnph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who ~o-slgns this SecurilY
Inslrllmenl but does not execUIe the Note: (a) is co-signing this Secllrity Instrument only to mortgage, grantood convey that
Borrower's inlerest in the Property under the terms of this Security Instrumen~ (b) Is nOl personally obligated to pay the
sums secured by this Security Inslrllmen~ and (c) agrees that Lender and any other Borrower may agree to cl'.tend, modUy,
forbear or make any accommodations with regard to the terms of this Security Inslrllment or the Note withoul that
Borrower's consenL
13, Loan Charges. If the loan secured by this Security Instrument Is subject to a law which sets maximum loan
charges, IUld thai law Is finally interpreted so that the Interesl or other loan charges collected or 10 be collected in connection
with the loan exceed the permitted limits, then: (a) any such 10l1ll charge shull be reduced by the amount necessary to reduce
the charge to the permllted Ilml~ and (b) any sums already collecled from Borrower which exceeded permitted limits wlIl be
refunded to Borrower, Lender may choose to make this refund by reducing the principal owed under the Note or by making
a direct payment 10 Borrower. If a refund reduces principal, the reduction will be treated a.~ a partial prepaymellt withoutlUlY
prepaymellt chargo under the Note.
14. Notices. Any notice to Borrower provided for in this Securily Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. nle notice shall be directed to the
Property Address or any other address Borrower de.~ignates by notice to Lender. Any noti~ to Lender shull be given by
fusl class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice
provided for In this Security Inslrllment shall be deemed 10 have been given to Borrower or Lender when given as provided
in this paragraph.
15. Governing Law; Severablllty, This Secm'lty Inslrllmenl shall be governed by federat law and the law of the
jurisdiction In which the Property is located. In the evellt that (lilY provision or clause of this Security Instrumellt or IIle NOIe
conflicts with appllcable law, such cOhfliet shall nol uffect other provisions or' Ihls Security Inslrllmellt or the Note which
can be given effecl without the conmcting provision. To this end the provisions of d\ls Security Inslrllmr.nt and the Note arc
declared to be severable.
16. Borrower's Copy. Borrower shull be given one confornled copy of the Note and of this Security Instrument
17, Transfer of the Properly or a Beneficial Interest In Borrower, If all or any part of the Property or any interest
in II is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is nol a natural person)
without Lender's prior written consent, Lender may, allts option, require immedlale payment in full of all sums seclUed by
this Security Inslrllment. However, this option shull no! be, exercised by Lender if exercise is prohibited by federal law as of
the date of this Security Inslrllment.
If Lender exercises this opllon, Lender shall give Borrower nOlice of acceleration. The notice shall provide a period of
not less than 30 days from the dUle the notice is delivered or mailed within which Borrowcr must pay all sums secured by
this Securlly Instrument. If Borrower fails to pay these sums prior 10 the expiration of this period, Lender may Invoke any
remedies permitted by this Security Instrument without further notice or dcmand on Borrower.
18. Borrower's Right to Reinstate, If Borrowcr meet~ certain conditions. Borrower shull have the right to have
enforcement of tills Secllrity Inslrllment discontinued atllllY time prior 10 the earlier of: (a) 5 days (or such other period lIB
ITElM l8S0L4 (9211) Oocld 0000000944 Form 3039 9/90 (p"1l1 4 0/6 pagu)
O/Ullilku BUlin... 'orlnt, Inc. .
ToOrd.rCillI: 1.100.530.93,,3 ClFAX .INtI.lm
bOOK t:~;7 P,\tt 53., ACCT# 160062243
UPllllcuhlo luw IIIUY sllecll'y for rohlslUlomonl) hol'oro sule of Iho Properly pursuant 1O any power of sale cOllluined In this
Security Inslrll1l10nl: or (h) clllry of u judgment enforcing this Securlly Instrument. Those couditions Ufe that Borrower: (a)
puys L.omlcr nil snllls which dlon wOllld he due uuder this Security Instrument and the NOle us if no ar,eclcration had
oCI:llmd; (h) curos uny defulllt of IIllY udlel' covenant' or ugreement': (e) pays all e~pen3es incurred in enforcing this
Sucurity hlstrulllont, Including, but nut limited to. rOllsonuhle uuorneys' fees: and (d) lakes such llction us Lender may
rell,unuhly requlro lu ILHsuro dUll die lien of dtls SecurllY Instrumelll, Lender's rigbts in the Property and Borrower's
uhllgulhmlll pay dlo sums IlCcured by dlis Security Instrument shall continue uncbanged, Upon reinsullement by Borrower,
Ihi" Security lustrumontlUld dIe IIbliguuons secured hereby shall remmn fully effective as if no acceleration had occurred.
flowover, dlis right 10 reinstate shull nOlapply in the ClL"l of acceleration under paragraph 17.
19. Sale or Notel Chanae uf Loan Servlcer. The Nole or a partial interest In Ule Note (together with this Security
lustrumelll) lIIay be sold line or more limes without prior uolice to Borrower. A sale may result in a change in the entity
(knownlLH the "LOllll Servlcer") that eollcct, monthly payment' due under dIe Note and this Security Instrument. 'l11ere also
lIIuy bo nno or more ChlUlgeS of the Loun Servker unreluted to u sale of the Nole. If there is a change of the LOlUl Serviee,r,
1l1ll10wer will bo given writtennoUce 01' the change in uccordance with plu'ugraph 14 above Md applicllhle luw. The notice
will sUlle dIe l1!une and addre.,s of the new LOlUl Servlcer IUld dIe addre.,s to which paymenL~ should be made, The nollce
will ulso conulln IIny odler Information required by applicable law,
10. lIu..urdoos Substancl!S. Borrower sball nUl cause or perlllilthe presence, use, disposal, storuge, or release of any
UIl7.ardous SubS1Ullces on or In the Property. Borrower sballnol do, nor ailow anyone else to do, IInythlng uffecllng the
Property dmtls In violation of any EnvlronmenL'I1 Law. The preceding two sentences shall not apply lo the prcsence, use, or
sloruge on dIe Property of small quanllue., of Haznrdous Substances that arc generally recognized to be appropriate to
norlllal re.~idenlllll uses and 1O malntenanee of the Property.
Borrower sball prompdy give Lender written notice of any invesllglluon, claim, demand, lawsuit or other acuon by any
governmcntal or regulatory IIgency or private party involving the Property and MY Hazardous Substance or Environmental
Luw of which Borrower has actual knowledge. If Borrower learns, or is nollfied by any governmental or regulalOry
uudlorlty, thllt WlY removal or other remediauon of lmy Hazardous Substance affecting the Property Is nece.'snry. Borrower
shall promptly lake all necessary remedllll aeUons in l\ccordance with Environmental Lllw.
As used in this paragraph 20, "HII7.urdous Substances" arc those substance, defined as to~lc or hazardous substances by
Environmental LIlW 1IIld the foilowing subsllU1ces: gasoline, kel'Osene, other f1ammllble or to~ic petroleum products, lOxic
peslleides and herbicides, volatile solvents, materials cootuinlng lIsbestos or formaldehyde, and radioucllve materials. As
used In this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdicuon where the Property is
located that relate, to health. safely or envil'Onmental protcction.
NON.UNIFORM COVENANTS. Borrower and l.ender furUler covenant UIId IIgrCC as follows:
11. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration foUowing Borrower's
breach of any covenant or agreement In 1111.'1 Security Instrument (but not prior to acceleration under paragraph 17
. unll!Ss applicable law provides otherwise). Lender shall nollfy Borrower of. among other things: (a) the defaultj (b)
Ihe adlon required to cure the default; (c) when the defllult must be curedj and (d) that faUure to cure the ddeult as
specified may result In acceleration of the sums secured by thl, Security Inslrument, foreclosure by judIcial
proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate arler acceleration
and the right to assert In the roreclosure proceeding the non-existence or a default or any other defense of Borrower
to acceleration and foreclosure. If the defllullls not cured as specified, Lender at lis option may require Immediate
payment in full of all sums secured by this Security Instrument without further demand and may foreclose tbls
Security Instrument by judicial proceeding. Lender shall be entitied In coiled all expenses Incurred In pursulnglhe
remedies provided In this paragraph 11, including, but not limited to, ullorueys' fees and costs of tllle evidence to the
uteut permllled by applicable law,
n. Release, Upon payment of all sums secured by this SC(1urity Instrument, this Security Instrumenl and the estate
conveyed shall terminate and become void. After sucb occurrence, Lender shall discharge and sallsfy this Security
Instrument withoul cbarge 10 Borrower. Borrower sball pay MY recorduuon cosL,.
13. Waivers. Borrower, 10 the eKlOnt permitted by appllcllble law. waives and releases any error or defects in
proceedings to enforce this Security Instrument, UIId hereby waives the benefit of any present or future laws providing for
stay of e~ecutlon, e~tenslon of time, eKemptlon from attachmenl, levy and sale. IIIId bome.~teUd e~emption.
14. Reln~tatement Period. Borrower's time to reinsUlte provided In pllragraph 18 shall e~tend to one bour prior to
lhe commencement of bidding at a sheriff's sllle or other suie pursuant to this Security Instrument.
25, Purchllse Money Mnrlgage. If IUlY of die debt secured by this Security Instrument is lent 10 Borrower 1O
uClJulre lllle 1O the Property, this Security Instrument shall be 1I purehlL,e money mortgage.
16. Interest Rate ArIer Judgment. Borrower agrees dlllt the inlerest mte payable after a judgmelllls entered on
dIe NOle or In IUl aelloll of mortgage foreclosure shall be the mte paYllble from time to time under Ihe Note.
-,.. , !)"",. " I
bOO~ 1:. ,i( PAtf \).~ t
Form 3039 9/90 (pag. 5 016 pagu)
Q(..ll~k~.Bulln'" FOlln..lnc. .
To OfderC~II: l,aOO.li3Q.9393I]f"X 818-791-1131
ACm 160062243
ITSM IQliOl.S (92111 Oodld OOOOOOOQ44
27, Riders 10 Ihl~ Securlly Inslrument. If one or more riders ure execuled by Borrower and recorded logelher wilh
Ihls Security Inslrument, Ihe covenlllllS and agreOl","'L~ of each stich rider shall be incorpotated into and slmU lI/llend and
supplement Ihe covenar.L~ and ugreemenL~ of this Security Inslrument as if Ihe rider(s) were a part of Ihis Security
Inslrumelll. [Check applicable box(es))
~ AdJuslllble Rute Rider [J Condominium Rider D 1.4 Family Rider
0 Graduated Payment Rider 0 PllIIlned Unit Development Rider D Biweekly Payment Rider
0 Bulloon Rider Cl Rale Improvement Rider D Second Home Rider
~ Olher(s) [specify] RIDER TO PARAGRAPH 18
~_G BELOW, Borrower ucceplS und agrees 10 the terms and covenanlS conUlined In pages I dnough 6 of Ihis
Securi n e IJKtt~J) executed by Borrower and recorded wid, It.
. WiUles' '
~.f~
ES S HORTON
(Seul)
.HonOWllf
~~ /i-~
TERI L HORTON
(Seul)
.Borrower
(Seal) (Seal)
.Hollower .Bonower
COMMONWEALTII OF Pl!NNSYLV ANIA, [[tcYll n Counry ss;
On this, Ihe \o\h day of (b.t~d tr6 , before me,
Ihe undersigned officer, personally appeured JAMES S HORTON and TERI L
HORTON
proven) to be Ihe person 5 whose name are
Ihat they executed Ihe same for die purpose herein contained.
known 10 me (or satisfactorily
subscribed to Ihe within lnslnlment and acknowledged
IN WI~SS WHEREOF, I h. ere,unto set my hand lIIld Of~IClal irnQ, )(
My CommlSSlO . Notllnal Seal ~ l 7 I
Lisa A. Flnkanb,nder, Notary Public,
Lower Paxton Twp" Dauphin Ceunt\,
My Commission Expire. nee, 14, 1996
MeITW,~~bonoINofatitle
"
CERTIFICATE OF RESIDENCE I,
do hereby certify thatlhe correct address of Ihe wllhin named lender Is 101 South George Street, PO Box
15068, York, PA 17405-7068
WIUless my hand Ihis day of
LI\.. _/-
Agent of Lender
ITEM 1950L6 (1I:?11}
OOQld 0000000944
hO~ t:~7i W,E 532
Form 3039 9/90 (pa,' 60f6".,,,,
a'nl L~~.. BU'ln... 'olm.. I~ .
To Order C.U: 1.100.$30.131:1 [) ~A;( 111I.ltl.II~1
ACCT# 160062243
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II '''IIlI" tIO,o,,"II" Ihol oil m oilY lUll I 01 lI.ol'ltIl~"y " "">\C,II" olioll wl,lch II\OY OIlIlIIlOI",ollly 0'" Ihl, Soem'I,
111.\1"",,"1. I "lI\h" ,lh,,1I ylvo uo""wer OIlOU,'. hlcllllly'''y ,,,ch Iiell, lIoll"w" ,h,,1I ,"I1,'y ,"ch 11011 0' IIIkc ""' '" 1Il0" 0111"
Ul.'lltll\~ lie' hll\h llhu/u within leu duY!lllllhlllllvll\~ Ill' lIu\ Wl\~l'U,
C, NUl'ln:
1I11lfuIlIl ('uveltlllllt.' III' Illll SCI.:IIIIIY '"~\III\lltllll hllUIIl.1I\1lclt tu h'utt l'~ lutluwS:
14. N"II", "'''fll'o' III1Y t,,'I'c, '''1"",,1 "",\<'IIII'I,lIcllhl' htw 10 I~ yl"" ,,, ,,,olher 11\110"", (III II11Y 1I0U" I" UOllOwer l,o"IIIerl
\'" III Ihl, S",",lIy """0",,"1 ,IIIIIII~ y'''" hy .lell.erlllY II '" "",Ui,,y II hy 11"1 e1"" 11\1111 ltI """"wcr IIllh, ""'I~'IY AII,I,,"
'" ",,,,h olher ..h'"'' ..lIo"ow" ""IY 11",1~1I0" hy ""I'ce 10 I.er"'" '" flltI,hl,II I""'''. ""I (hI ,,'v 11011" "' 1""1,, ,101111 h.
a'''. by f1ul "".llIaUIO LOllllo,', ..Itl"" IIlIlt" heroi" OliO ,",h "II,,, IIlhl"" ,,',"l1er may II..laoa.. by 1I.1I'ce '0 OORl,wer
" fI",'hloll h",III, "'oy IItlll\OI'ltI,lll<<1 Ii" IlIlhlo s"",lIy 1,,""IIl"11I .hllll'oo ""'11I01110 ho" b"'" a'velllO 1I""ower '" I.olllh"
whon ~lvlm In Ihe RlIUlner t1e~lgnatcd ltl.1luln.
\I. IIN!fllRM SI~CIIRI'I'Y INS'\'RII~U:N'I', Il11VI:RNINlIl....WI SIWI:IlAllIl.\'I'Y
\lnlrllll1\ CnveluU\t 15 ur tho Sccur\\Y III~U\ll1lelll i!ol all\Cnd~' In Tt:l.\tl n.i fnllows:
15. IIn"o,m SocII,IIy """"m.n'llI",,,nlna ""W' Sm,ohlll'y. 'n,l, 1,,"11 o[ 81'<IIIlIy I",uo,,"'" colllhh'" II11lrOIIll ",vell"'L1
[0' 11,,100.10'" 1I11,1000.1I"llort. ",vell,,'L1 with II",I~II ,,,1011011' hy Jorl"II,.loII 10 ,011,11,,,'0' 1I1111mll\ ''''Ullly 10MlI\lOlI' 'OVOI'IIY
I'1I11""I"'''Y' n", s",orlly III,.o",ell..'"III'" guvemOl' by Petle"lllIw ",II 1110 I.w 01 II" jurlsdl,"on In which Iht 1'r01""IY I,
1","I01\. 10.110 ,veo.II," II11Y V",.I""11 '" ""11'0 ol.h'. Seellrlly ,,,.umoollt 0' ,h. NolO ,oolll'L1 with IIVVU,oblo low. ,,,,I, ,,,"01'1
.hull 1I011l1f"I 0'1'" 1'''lV'''''''' 01 II,', S""lIy 'O'UII""II' '" ,h. No" wh'cll ,,,0 be glvell orr",' wllholl' Ih. cOIlI1I"lny IlIIlV"I"n.
""I \II 110" .mllhe 1111lYl,lo'" 01 Ihl' SccmllY I",uo""","mllh. Nil" IU' 1I,<'IIII'd 'O,~ ",.."hlo,
I~. 'I'II^NSPI:II OF Tim PIl()l'I;IITV Oil... \l1:NI:FICI^I.IN'\'lm~~ST IN \lOIIIIOWP,1l
llnihum CovC.nIlIll \1 of the SecmilY llls\f\lmcn\ is umcmled In rcud Il'l fnlloW!i:
17. Truo,ler 01 U.. "'oV""y '" II 11"..lIdlllIlItcr<" IoU""'''''''' If IIIIUl''''y I"U' 01 1I101'1l'1"'''y m "" hll"'" Ih""1I " ,oh1
0' \l1In<r,",d (m II II '",oor"I,\ 111,,,,,,1 In lIo"oWO' I' '11111 III u",,,le,,,d 11",1 \lOflOWer i, "0' 0 IIl1ll1mll"""ltI) whh,,"1 I.omler"
"riO' WIlli'. '"l1selll. I.ollder moy. ..1"1111"" 01"1011. IIcchu, olllh. ""'" ",,,,ed by 1111, S",",I.y III'UOllle,"'o be Immedl",ly
Ih" 111111 ,,"y"hle, 'h,wcvcr..h" 0".11111 ,h,,1I II'" ho ""ds,,1 hy l.'II,ler If "erd" i, 1I"llIlIlhml',,,1 by p"lcmllllw,
lIl.ellll.. ...rel," ""h 0,,'1011 \II Il\ee'ollllc.l.ellll.. ,hlllllllllllllo"ower 1I"llee o[ ll\eel"Olloolll "CllIIIIIOce will' V"'OyraVh '4
'10'01,1, S",h 11"11" 'holll"o"lIo II ",rlod o[ 110"'" ,h,n 30 Iloy, "om Iho 1101.110'0,,11" " ,.olled wl,bln wblch BII"oW" mllY
V"Y ",. '011\' 11"1",,,1 .Ine, IIB"""W" llllls 101'"Y '1I,1I "110' "rim lo.he exVlrtllloll "I ,",h pe,lod.I.,"tler moy. w,.ho"' rnrlher
11,,11.. ", lIe"'"1111 1111 BIl"ower. '1I,"kCUllY IOm"tleI ",rm'II,,1 hy VlIlllg""h I K berelll.
N"IWIIl,,"'II,II11Y' ",10 ur 1I.",[er. B",,"wer will Clltlllm" I" he ohllg"I,,1 IIl1l1er Ihe NIlIO IIml.bl, Scc",lIy 11'''''IIIl'''' 1",1,,, I.elld..
hILi rclci\.''1ed Borrower In writing.
II Iholo'" ""ored hy Ihe Securlly 10,uom",I " ,ubiccllO ,low which "ts I1mxlmom I"'" churg". IIl1d Iha,l,w " ""l1l1y 10lOfllreled
,"ll,," IIle Inle,,,,"lf oll,e, Illlln ,hllli'" ,"l1ccled 0' 101", ",lIcc"d In ,,,""ccllu" will' 11,.10"" excecd 1",IIII1'OIII1I11ILS. the.: (I) ",y
""h 10'" chillY' will'''' IWllced by Iho IImoll'" 11'\O""'y '0 IOllnce Ih. ,hllli' tll,he "",milled 11",111 ollll (2) ",y .0111S ol,,,,IIy
collcc"d ,,,,,,,lIo"owcr which exc.'dctl ",'llllllOd IiIllILS will be rel"IIIIC11 loB"rl<lwcr, l.emle, ""y "1110"" '" 11I""..hl' rellllld by
redn,lny 1110 ",'"e1,,01 owed Ulllle, Ih. Nole Ilr hy Illllkilli "Ii"" ,,"Yllle,,1 to lI,e Uo,,,,wer, 11. rerllmllCdue" I"'II"V.I. ",.
rcl1uc\lun wut bc IIC-Ulcd 11~ u 1lOu\hl\ (lTc{laymcni. \lIulCT lhc Note.
P. I.O^N CII^RlmS
15'01)
.pllm,W"
_(S"d'
.1Iorrow,r
1.~'QJI
.BorroW"
--
~ /S,II"
.lIom)w"
(SiBnO,l"",,'OrlJY)
AccT# 160062243
fi1l1" of Pln~ }
CounlV of Cumblfflnd 8S
lI.eo,ded In tho oltlcl tOf Iho.-dlnQ of l)ee4I
,,10, In IncllOf !lu,!,bI,llnd COunty PI
In41001( ,1..UNol. _ Plgo \-) 7
wllnoll mv hind Ind .1.1 of olt\Ceol
Carll.ll, PAth!. (yd dlyoll''';;' ,e..l.i:
~n~,?77 ~~I.l t)Mf'e,~ r~
Yorll
Federal
~WW'
101 SOUTII ClEUR08 STREBT
1',O,1I0X 11068
YClRK,I'A 174111
ADJUSTABLE RATE NOTE
TillS N011l CONTAINS A PRClVISION ALLOWINO POR CIIAN08S IN
MY INTnR8ST RA'm. III MY INTEREST RATE INCREASES, MY
MONTHLY PA YMBNTS WILL 811 HIOHER, II' MY INlllRBST RATn
OBCRIlASBS. MY MONTHLY PAYMIlNTS WILL 811 LOWIIR,
AIIGUST ]0. 1995
f1ARR I SOIlRG
_ 1012 KENT DRIYL.lIJ;CflANICSBU.BlL. PA 17055
IP/~P'''1MrJIIW
01'1
PENNSYI VII/UL
.'~If
I. HClRROWBR'S I'ROMIS~; TO I'A Y
IllIcium for I~ IOUl1lluu I have received, I prumlsc 10 l,ar U,S, $ 20B. 200. 00 (Ihl.~ 1lJ1I0I1I1IIs called
"llrlnclllul"), lJllls IlItereSl, 10 Ihe olllor of the Lemler. Thel.cmlcr H York Ift:derlll SMvlllll!l Mild tfllln Assodullll". IlIlldcrslund
thallhe Leuder nlllY hausl'er Ihls Now. 'l1lt~ temklur IlIlYUIlC WIIU I4lkcSlhls NUlc by lfllll.~fcr 11m' who Is cntlllct.llo receive
llllymcflls under this Nole is cillIed Ole "Nole Ilolllcr",
~. IN'I'I~IU:S'I'
Inllucsl will he chUlgcd rill 111111 (lllll of Ilrlncljllll which hll~ nUl beclI (mill hClllllnlnl:l on the time I receive principal IIml
conllnullllJ ulIliI dlC~ full IImount of Ilrlncll'lll halt been puld,
Rl.IgllllIlllll OlltllO dUlo I rccelvollrllldlllll, , will puy InlcreSlllt u yearly rule of B, 250 %. Tho Intcr"1.<t1 nUe Ihal
I will Jlay will change In uc<:onlullce wilh SCt;lloll .. ul' Ihl~ N(ll~\, Tim IllIcrc.~1 rulc rC1lulrcd hy Ihls SCl.:llolllllul SC~:ljull 4 uf Ihi.~
NOlo l.'llhe rule I willllllY holh before and uflclallY d!.lflltlll descrihed III Section 7(0) tlf tlll.~ Nute,
J. I'A Y~mNl'S
(A) TIII1~ unci ('lact! u, l'uynllmlll
I wlllray prillclplllund Interest by I11l1klng paymclIl!l evc:y monlh.
I will muko my monthly payment' olllhe flUI day of each monlh beglnlllng on OCTOBER 1. 1995
I will make Ihese pi.lymelU.!1 every mOllth 1111111 I IlIIve )}ul(11l1I of Ihe princlpalund lnlercsl alld uny oUler cllllrget. descrihed below
tlUlI I lIIay owe IIl1der Ihli' Note. My mOllthly paymenls will be upplled 10 interest beforo IlrlncJplll. If Uti
SEPTEMBER). 2025 ,I sllU owe llI110unLi under this NOle, I wlIIl'ay OlllSC amounts In filII 0/1111'11 tlutc,
which Js called tile "malurity dllte".
I wlllmake my monlh!y payments al
STREET , YORK, PA 17401
(II) Amount or My Illlllal Munthly Paymenls
My lnitllllmolllllly l'aYll1tJlIl~ will be 11IIhc 11111011111 of U.S. $ L 564. ] 4 . TIlls 1l1ll0l1l1l may chunve to
rollcCI l.:hllllges in Ihe Inlerest mle thai I IIIUst pay, '1111.~ NOle Holder will delermine my mOllthly Ilaymentln ucclmlunce wilh
SecliulI 4 of Ihls NOle.
4. IN'I'BR~ST RATE ANIl MON'rIll,Y PA YMI~N'r CIlANm;S
(A) Clllmllt: Ilah:s
TIle lnterestrulc I will puy may change on the (lrst tlay of September I 1996 ,lInd OIllllnt day of
the month every TWH Vf monlhs IhcrCilftcr. EJllt;h dnw on which my interest rale could Chilllgc Is called an Jnleresl
Chanllo Dllte,
My 1I101llhly payment mltl' chllnilc 011 the l'lrst day of OCTOBER, ) 996 ,and Olllhnt tlay IIf
the mOlllh every - TWEl VE ~ months thereafter. Buch dale un which Illy monthly paYlllent could changn Is called a Paymcm
Change DllIe.
(It) The IlIdex
Beginning wilh tile (lrst Chunge DUle, my Interest rule wlll he hll.'ied on an "Inde~'" TIle Index /.oj tho "Notional Average
CUlllract Mortgnge Rate for Purchase of Previou.~ly O<:cllflled Single Family HOll1eil Combined by all MIIJor Lcntlt.1111" published
by UIO Federal Housif14C Finance Bonrd.TIle OlO!lt recent hulex figure uVllllllble us of 45 days befole ench Chllngo Date is called tho
"Currollt Indi.!xH.
If Ihi.! Inllexl14l1o IOllger uvallllblo, tho Nole IloI1l(,r will choose anew llldcll. which Is bU.'led upun COllll'UlIIhle Infurlllllllull.
'nlc Note Holder will give me notice of iLi choice.
(C) Calculation or Challges
Defore each Change Date, the Nole "older will culculule Illy new Il1IereSI rule by uddlng TWO ANI) ONE -ll~LF
I,erccnulge Ilolnts ( .2........50.0. %) 10 the Currellt Index. 1110 slim will be my new intercst rute, My InlCrcsllutc wlllllot
he changed by more thaR 1. 75fL.- pcrcellUlge points on uny ChungeOate. My imerest rate will not tlC chMBed by more
Ihun 6 000 percelllllge I'OlnL'I OVer 010 life of my loan.
TIle Note Holtler will thl~1I t1clernllllo lhe mnDullt (If Ihe monthly pllyment thut would be suHiciellt to repay in full tile Ilfinclpul
111m expected tOllwe on the Change Date ill substantially equal pnymellls by the mllltirlty date at my new Interest mle. nle lesull
of Ihls calcublllull will be tho new umOll1ll of my 11l0lllhly pllymelll.
(Il) Imecllvl! nule ur C:bUllgtS
My new InhJresl rille will OO:OI11e effective 011 cnch Change DllIe. I wlllllUY the amounl of my new monlhly I,uymolll
beglllnioll on the first montJdy Illlyment dale ofler the Chllllge Dille IIlltlllhe umount of my mOlllhly payment changes ~gajn.
(.:) Nullce or ChunlltS
'nle NOlO Illllder will 11I1111 or doliver 10 me allotke before ench PnymcllI Chlluge Dale. '010 nolice will advise me of:
(I) the new Inlelc.~t mte on my IOIlIlll'j of Ihe Change Dilte;
(Ii) Ihe amount of my new mOl1thly Ilnyment follOWing llle ChlUlge Dnle;
(IIi) any utldlllorud matters which the Nute Holder is r<<lulred to disclose; nnd
(Iv) the tille llnd telephone numool (If a 1K',tSOIl who \\IlIIllll.~Wer llny i)lIeSllon I mny have regarding Ihe flotlce.
0""00"00'''' ACCU 160062243
YORK FEDERAL SAVINGS AND lOAN ASSOC. 101 SDUTIJ GEORGE
or III a diffcrclltlJlat:e If rC(luircd by NOle Holder.
5, IlImHIIWf:II'S UII/II'I' 'I'll I'Hf:!'A I
Ilu,",o the rlllhl to llIWc.o l'uYlllellll1l1r (lrindl'llllU allY 111lll.'l1~1'1If(llhl.'lY urc IIlla. ^ IlUymclIl of l'rlnclllul uuly l:i knuwn Il'lll
"lucllllYlIItllll", WhIJnI lIlako illlfCIIllYIlICIII.1 will Icll lho NUltlllultlcr ill wllthl" IlulIl UIII lining ~(I,
I may nlll~o II fll11l1rel'aYIllCut tJf U l"utlLlI JlfCl'lIYIllCIII wilhulIlllolylllH 11llY I'cllullY. '111(1 NUlc Iluhlcr will t1,~l.'l1l11 (If lilY
1'fl.1111IYIlIOIlI." In rCductllhll UlIlUlllIluf Ilrlncilllll 1111I1 I UWU IIl11ler Utii'! NolO, If llUlIkol< Illlrlilllllfclluymcllt, Iher\! will ho 1111 Illllays
In lhu dlle t1ll1i;H of my IIItlluhly l'IlYlIlclIL'IllnlcK,'11hc NUll,llluldef IIKfcc,..ln writing IllIJIU,~O IlclllY.'i. My Illlrllalllrol'uYIllClll wlll
reduco Iho IUIlUlIlll of lilY IlltJlllhly lh'YlllcnlH un Ih(lllull.llymclll CIUUlHlllllllll fulluwillH IllY Illlfllull'fCl'lIYIIICIlI, lluwlJvcr, UIlY
hllluctlull dllUIU Illy IllutllllllfClltlYlIlclI1 mllY Ill} uUlCI hy 11II11lICtc,~lrlllll ltlt'Wll.~C,
6, UlAN CIlAHllf;S
If II Jaw which "!'IIUes III lhlllllllllllllltl whkh sctSlIllullllllllllmlfl churucs I.i fhullly llllclllrclcd so Ihullhc Inlcrtl.il or tllher l(luU
ChUfgll:i cClllcclcd nr In h(\ cullC4:lcd III WlIllccllun wllh lhl.i Inull c~l<ccd Illll l'crllllllcd limll.i, Ihen: (I) lllly IUlch 1lIlllll.:hutgc shull
IXl reduced hy tho IIIIlUIlIlIIlet.:O,'lsury lu reduce tho ChlUMO III tho IHlrlIllllctl limit; ullll (Ii) uny Il1lTU UIH'Utly cullt:clcil ffUllllllO which
o'-:l'c.cded l)Crllllllcd llmlls will he rlllullded tn 1110. Tho Nuto lltlltler III1lY CIIlHISO 10 make Ihls rerund by reduclnH Ihe prlncipul
I owe lmller Ihls; Notl,) or liy mukiuK II dlrcclllUymcllllo 11I0. If u refund re.lm:es 1"lucll'"l, Iho rctluctlllu will ho Ircllletl1L'lII
Ilartllllllfol'uymcllt,
7. IlllHHIIWf;H'S ~'All.IIHf: 'l'OI'AV AS H"QIIIHEU
(A) I.llle Cfulflll 'IIr Overdue Payn",,"
U 1110, NOlO Holdor hili nm l'tlColved Iho rullllmounl or III1Y or lilY monlhly paYl1lel1(j by IhC! elld or I ~ clllcmlltI dnYll dUlr
tho dato II l.!lllue, I will [lay IllaUl cltlU'j\lln Ihe Noto flultlcr, Tho 1l1110tlllt nf Iht) cluuYll will tw ~% III' my overtlue Imyrmml
of rrlllcll'ul ilrullllteresl. 1 willllllY this 11110 chargo Ilttlllllllly but nllly Illll'I,J t111lUlY hue paYlllonl,
(II) II"M.II
Ifl tlo lIul PllY lht) rUlllUllOlllll of l'-lIch !rUlllthly l'ilymclIllIlIthe tllth~ It Is thill, I will ho Illlldllull.
(C) Notice ur UetMUU
If Illm In doflllllt, Ihe Note Uuldcr IlIIIY lIentllllc II wrlllen Ilnllc~ telling me Ihllt If I tlo llol1lay the overdue umollnl by
u corwin dull) tho Note Holder llIuy re'lulrtl me tn IlllY ImlJlctlinlcly Ihe fullulIlolIlll (If I'rlncllllll which hilS lIut hccllllllltlllntl
ullthe l/ltcrest thllllllwc Oil dlllt 1111I1111111, That tlnte mllllt ho lit ICll.~t JO Iluys ufter thl.l tlult) 1111 which Ihe IItJtice I.i mulled or
dollvored 10 mo.
(0) Nil WulvClr by Noh'! lIolder
UVOIl If, lit a lime which I am In derault, the Nolo tlnldcr tlUCSIUll require me 10 Illly 11I1llledllltcly In rUllll~ descrihet!
ahovo, Iho Note Holder wlllsull have the risht In tlo soil' lum III dci'IUlh ululater lime.
(..a rillyrnent uf Note Holder'. Custs alld KllpClI!lCS
If Ihe NUle Iloltler hl\~ required me 10 PIlY Irnmedlllloly In rull u." described uhove, the Nole I'oltler will hllve Iho rlghl
10 bt) Illlltl huck hy mo rur all lLi rllilsolluhle CWil~ IIl1d eXl'ells"s In Ihe e,'(tcnt 11l111lWltlhltcd lIy ufll1llcuhle luw. Those e.\llClllle!!
lIlay include, for (l,'(aOlIM'j reasonable 111l0lIley,~' fees.
8. IllVINCl OF NOTICES
(Inlcss IlWlicuhlo IlIw fctllllrc.i u tllfl'crllllllllcthml, uny notice IhullllllSI ho llivenlU llIe ulltler Ihlll Noto will he lllven hy llluiling
It by !"Irst cluss lllall or by delivering It 10 mOtU the Pmllf.ny Adtlress uhovo or III Illllfi'crelltlltltlrcss II' I llive the NUIC Ilultlcr
',rlOdconrmytlil'rerclltuddrcss.
AllY notlco Ihut mll!!1 he illvcllln the Nole !lnltler under this Nole will ho givcn by muiling II hy nrsl cla!!s mail to Ihe Nolo
lloldcr III tile 1l,ltl,C,iS Sllllcd In Seclklll 3(A) ahove ur lit II dUl'elolllUdtltcsslf 111m givcnllllullce ur Ihllt tllllerellt ulltlresil.
9. OIlI.lClATIONS OF PlmSONS UNDER TillS NOTE
If morel thun ono person signs Ihl3 Note, euch pClYonl.'ll'ully IInd personlllly obligoled 10 keep ull or the proml:Jcs made In Ihls
NUle, IllClutlhllllho IJwmlse to pay Iho rull wnounl owed. AllY IlCrSllI\ who ISIl guaranlor. SlIrely, {If endorser of this Note 1.'Illlso
obllyaled 10 dll these Ihings, Any penoll who takes OYer these ,lhligutIOfu, Illclutllny tho obllilutlollS or", U"UlUllltlr, slIrelY, or
olldor~er or this NOlO, Is "Iso obligated 10 kCC11 IlII of promiscslTllltle III this Nutc, TIICl Note I'nltler lIlay cllhucu lis ,lyhl.!lllnder
Ihis NUle "gainst cuch person IndiVidually or uglllnlllllll or u.~ tngelher, This mCillJS thalllllY olle of liS IllUY be required 10 PIlY
all or die alJ1tIunl'l uwed untlcr Ihls No(l.I.
Ill, WAIV.;HS
I alld wlY uther person who hll.'luhll/(auolls Ululct this Nulc waive Ihe Ihe rlghL~ or prcsenlment lllltl nOlice of dishonor.
"Pre.'lClIllllellt" IlICilllSlho righllo re(lulte the NUlo tlolder 10 dcmantlllilYl1lcnt or umounL, due. "Nutlce or dishonor" Illoans lho
rlgllltu rc.lultllthe Nntc Ilolller III give notice to olllcr IlCrstllIs thlltlllll(lllnl~ due IHIVC nolllCcn !,uhl.
11. TillS NOn; Sf;CLlH.:U IIV A Sf;CIJH1'l'V INSTRUMf:NT
In Iltldhlon 10 lhe prolcctJon.'llllvenlo Ihe Nole floltlcr tllltlcr Ihls NOle, II Mortgllge,Decd of Trusl or Deetllo Seeure Dehl
(Iht.l "ScclUlly 11IslnUllent") wilh"" AtljllsUlhle Rllte Ritter, tlulcttthe sallie day u.~ Ihls Nl',lo, pmll,'cls tllll Noto IlullIor rmlll posslhle
losses which llIiMllt rcsullll' I tin nut kccr the Ilr(lllllsc!! which IIl1llko In lhis Note. Thllt Sccllrhy 11ISUUI1lelll antllUtler descrilKl
how ilIulullder whal cumllllonsl milY he required ItllIlake Immcdilltc IluYlllelll illl'ull or UIl1l1J\()1I0l~ Ihall owe under Ihl.'l Nut.,.
Snme uf tlluilO CCllltllllOlllt UfO tlescrihed liS Inlluws:
"'I'rtm.v~r of"lt' I'ro/JI1f1Y M f' IjtmeJ/dtll/flltlfl~.~II,.IJ{/rrmvt'r. II' ull tlr IlIIY llllrl Ill' thl.l l'wlJUrly tlr un 11IIercSl IlIcfllln Is stllll
m trulI!!fcrrctl (or il' II ooncficlulllllereslin norrowcr Is sold or trrtll.~forrod lIntl Borrower 1.'fIlOI u IIUlurulllClSOII) witholJll.entlcr's
prim writtcn ClllUClIl, l.cmler mllY ut 1.ender'.'1 0(11/011, dcelme illllhc .'flllllS SI~ctUOtl hy Ihl!! Security InstrtllllcnllO be immetllutcly
title 1lIl1lllllYllhle. Iltlwever, this Ullllull i1hllllnot he ullcrclscll hy I.emlcr If o,'(llrclso Is lIut IlIItllllfi/.etl hy Fetlcml h\w.
"If lender cxcrcls;\Issl!ch optlolllu IICCeICUlIe, IClItler shulllllall (lnflower lIollce nf llccolerlltlull 1/1 ucl:UftlanCll wilh (Iarllgfll11h
14 hereof, Such nUlico shall11rovide 1111erlll" or lIolle.'ls IhUll 3D dllY,~ frol1lthe dllle the notice is mailed wilhln which Untrower
IIlIlY fluy tho slUU.'Illcclllfed due. II' Unrttlwer fullS tu PllY ,~IICh SUfll.i prim In the elll'lratlull ur stich IJUriod, I.cmlcr may, wltllllU1
!"ufllIcr notice m dellllllld nllll(lfHl~'{cr, Invllkc uny rClllctlleilllCflllillOtl by llurullrill1h Iii hereof.
"Nolwllhsllllldlng II sale or UIU1Srer, BurHlwcr will cOllllnlle Iu he uhliglllod lIlIdor Ou.: Ntllt.I IIml this S~llfl!y InstrtlmClllllnleslI
l. d r hn.~ re cd I orrower In wrltill~" I
.~/ II"", h. '" 'ootl'''MI.l~UU<l'''I"'''~'I'~_, (Selll)
W/f..~1.f . "J~' "ofr{}W"
(Sell!)
nO,MW.,
/lorMw,'
(Selll)
(Sell!)
A.I Nllle r-.hlllill
11~4 (Rov. ~NI)
(IufruWIf
OQGI~On(H}oOou.
(SlglI Orlgllll" Ollly)ACCT! J 60062243
IMI'ORTANT
Nm'ICE Of IUIMEOWN.:RS' ':~":RtJEN(Of MnRTUAIlE Ali.S'S1'AN"E AI'I' ,... 1981
PI.KAS': R':AU Tills N01'IC':, YtJII MAV ",: ':l.ItJlIlI..: fIIR fiNANCIAl, ^'SI~I'ANCE 'WWARII VtJIIR MnRTtJMlI:
PA VMEN...S.
Ollie: NovellllKlr 71 1997
RG: Account No.;
TO:
PROM:
N . 016006Jl4.\
1011 K.:N'I' 11M
MHGIIANICSlIlllW "A, 110~~,1M'1
JAMHS S 1I0RTON
YORK .'.:DERAI, SAVINGS ANIlI.OAN ASSOCIATION
Your morl,aae is In terloul default because )'ou have (ailed 10 pit)' promptly installments O(t.,lllclpat and huere.I, aJ
required, for, period of II ''''I .IKly (60) d.y.. Th. 1ol.1 amoUlll of Iho d'lInqu,""y I. $8951.Z , That ,ullllnclude. Ihe
(ollowlng: Principal DUl!, hderel' Due, I!:scrow Uue, and "ate Charaea.
Your mor1a:age I. also In default for the (ollowlns Ica~on;
(lIse Ihls para8raph 1I111y If ,ppllo,ble)
You may be eligible for financial aOllllance .hal will prevcm foreclosure on your 1II0r1SlIgr. If you comply wllh lhe
pmvlslons orlhe Homeownerfl' Emolsenc)' Mortgage Asslslance Act of 1983 llhe ~^CI"), You may be eligible fur emergency
temporary aulstsnee If your default has been cau,cd by clrcul1Islances beyond your conlral, and if (OU meel Ihe ellSlblllly
requlremenls of Ihe ACI as delermlned by the Pennsylvania Housing f1inance Agency, Please rea(_all of Ihls Nol~~
conlalns an exolanallon of vour rilrhls,
Under Ihe Aca, you arc enlllled 10 a lemporuy stay of foreclosure on your mOr1gaBe for Ihlny (30) days frolll Ihe dale
of Ihls Notice. During Ihallime you musl arran,o and Il!lend a ~face-lo-face~ lIIeeling wllh a represenlalive of II11fllender, or
with a deslgnaled conSUmer credll LOumellng agency. The purpose of this ~~~~t:::~ 10 allempllo work 0111 a rcpaymenllllall,
or 10 otherwise scUle your delinquency. This meetin.1I musl occur In 1bu m...daYJ.
If you aflend a face-la-face meethlg with Ihls lender, or wllh a consumer credll counseling agency Idenllfied IlIlhls nOlice,
110 further proceedlllB In mOr1gage foreclosure may lake place for Ihlny (30) days afl"f lhe dal~ of 11115 mccllng.
The namo, address and lolephonc number of our rcpreselllalive Is:
York F'cderill SIIylna8 IInd l.oao AR8odatlon
101 Soulb Goorle Slrool, P.O. Do. UIJ68
York, Pello'ylvolllo 11405
Telepholle Numbe" (111) 846-8771, E.lell,lolI Z473
The lI.me(s) ond add",,(e,) of (a) desl8l1at,d OOIlSUlller oredll oounsellllg alenoy(les) I. (are): See oUoehed o.hlbll.
Ills only necessary 10 schedule one faecHo.face moeling. You should advise this lender immedialcly of your IlIlenllons,
If you have tried and afe unable 10 resolve lllis problem al or afrer YOllr face-Io-face meellng, you have lhe right to apply
for financial assislance frollllhe Homeowners' Emergency Mortgage Assistance Fund, In order 10 do Ihis, you must fill QUI,
.sIgn aud file a comrleled Homeowners' Emergency AS5lslance Appllclllloll with one of Ihe dcslgnalcd consumer credit
counseling agencies listed above. An appllcallon for 1S5lslance may only be oblalncd from a consume. oredll counaellng
agency, The consumer credit counseling agency will assiSI you In f11l1nS out your appllcallon and will submit your compleied
appllcallon 10 Ihe Pennsylvania Housing f1inance Agency, You m.U!lt Donlv 10 one ill Ihe consumer credll ~QumeJhlll ai!elJ~
liJWlln the allached cllblhh for an armllcallon wlJhln 30 days of ~Oll! (@~~-to.[ace meelina,
lliUJI![QlJlelv IUlD2UJlnllhi' ~ file vOllr .oolleolloll n"'lllollv. If VOII do nOI do '0. or Ir VOII do 1Illl.fnllow Ih, olher
~~~ell:l~:~~:.el fu.o.b.Jn thls leller. foreclosure mav orocec.dJwt.lnst vOllr home immedlalelv and 'Iou will forfell vour elhzlbllity
Avall,ble fund, for 'Illergenoy mOrls'ge ,,,I"alloo ar, very limited, They will be disbursed by Ihe Agelley under Ihe
.IIVlbllhy orlterl, e"abll,hed by Ihe AOI,
lLJu!tlllDIIU: ll\llll!r.JllU l/lftl.'i!!llr.Jl!.l!l/<;JItll!l1 I. aoour", and oOlllolere III everv re'pool,_ The P,nU1,lvaIl1a 1l0u\IJIll
Finance Aiene\' has sixlY 1Q.Ol days 10 make a d~\l~lon afler II receives 'lour IDDllcalion. During Ihal addillonal lime, no
foreclosure proceedings will be pursued agalosl you if you have mel the time requirements sel fanh above. You will be
nollflcd dlreclly by that Agency of lis decision on your application.
Th, r.nnsylvalll'"ousllIg PIII,nee AI.noy I, 'ncated" 2101 Norlh Fronl S""I, r,o, 80.8029, ""'!sburg. I'A 111Dl,
Telephone No, (717) 780,3800 Of 1-800-342,2397 (loll free number),
13RClosed also Is anolher nollce from Ihis lender under Act 6 of 1974. 'fhal nOllce Is called a "Notice of 1"lellllan 10
Foreclo$c~, YOllIIIU~1 rCi!ld bOlh uOllcr:s, since Ihey both explain flghu Ihal Yf1U now have under Pennsylvania law. Howevor,
If YOll choose 10 exercise your rlghls described In this notico, we cannol foreclose upon you during Ihal time. Allo, if you
receive financial assistance frollllhe Pennsylvania "ouslng Finance Agency, your home callUOI he foreclosed upon while you
arc receiving Ihal assistance, (Use this paragraph only if 1I11pllcable),
SllIoerely.
g,.L.,~
CRRTlflnD MAil. ' If 0
Return R~collllltcqlloslctl
"Atltlrn. Cllnccllonllcqlloslotl"
Oldell p, Dlekersoll
Cal/eellon Deparlmcnt Manager
IMI'OIl'I'AN'I'
NUl'ICK or UOllKUWN.:MH' KlIKMO.:NI:Y lIUM'I'OAOK A,IHIHI'ANI$ A(;'I' ur 1983
PI.f.Ast MKAlll'IIIH NIYI'Il:K. "UO MAY Il.: nlllllll,K mN ,'INANeIAl. Ali,~IHI'ANl:K 1'llWANIl VOIIM MONTlIAIlK
PAVMKNTN,
Hille: November 1. 11)1)1
HBi Account No.:
f . 016O<161W
IOU KI':N'I' 1111
MECIIANICSII\II1I1 "A, 170~H(t07
1'EIIII,IIlIR1'ON
'fO:
PROM:
VOIIK .'EIIERAI. SAVINGS ANIl W,\N ASSOCIATION
Yo~r m(lrt,_,o I. In torlllll' det.ul! b<<.UIO YOll 11l1vo '.lled to plilY promlllly In'I.lImonl' o'/rlnclp.1 Ind Illloro.l, III
lCqulred, lor, JlCl,lod or 'II"" IINly (60) d'YI, 1'h. lolal ,mouOl or Ih. dellllqu.ooy I. S8~SI.J , Th.1 10m IIIclud.. Ih.
folloWI"a: IJrlncJpal UUI. 'nltr"' IlUI, I~crow Oue. and I.ule Chlllrlle..
YOllr mon'l,a I. allio In deraull (or the followl". fUlon:
(lI.. Ihl, paragraph only II UPI.llcablc)
You may be clialblc for (Iuanda! alillslancc lhat will prevent foreclosure on your morlgaae If you comply wllh lhe
rrovl.lolll of Ilia Homcowncn' El11erfency Moulage Auluancc Act of I V83 (tho ~ Act"), You may be cllgible for emorQency
lumporary lulalance If your dllfauh UtS b(en caused by Ch'CulUstllllces beyoud your control, and If you meet the cil.8lbllllY
retluiremenl8 of the ACI as determined by the I)c;nllsylvllnla Housing finance Agency, ~~Ullhi!l NOI~~1
coRlolIlS all explanation of..YQllilaJUI.
Under die ACI, you arc entllled 10 a lemporary slay of foreclosure on your morlgasc for Ihlrly (30) dllYs from Ihe date
of Ihls NOlice, Ourin8 thalllmc you mUll arrange and i111end a "face.lo-face" meeting with a reprelenlatlve of this Icnder, or
with a deslenslcd consumer credil counscllny Igehcy. The purpose of Ihls mceHn_ It to aUemptlo work QUI it repaymenl plan,
or 10 olherwise sellle your delinquency, This mecllnlil mU!1 occur in the ncxIlhlr.lY.1.IDlil.iU.
If you allend a face-Io.face meellng wllh Ihlslender, or whh a consumer credit counseling agcllcy Idellllfled In Ihls 1I01lce,
no furlher proceeding In morlgage foreclosure may lako place for Ihlrty (30) days afler the dale or Ihl9 meellng,
The lI~me, addrcu In4.llulephone numl,cr (If our reprcl(llIlallve is:
York Federul S~Ylna!J and toan Auodaclon
101 Soulh Gwrge Sir..', P.O. Do. IS06M
York, IJennsySyanla 17405
Telephon. Number: (717) 846,8777, 1(.lell,lolI 2473
The name(s) and addrell(es) of (a) designaled COIlSllmer credit counseling agency(lcs) Js (are): See attached e.dlibU.
Ill, only ncceuary to schedule one face-Io-face meeling, You should advise Ibis lender Immedialely of your imemlons,
H you havt' tried and are unable 10 resolve Ihis prohlem at or afler your face-Io-face meellllg, you have the I'lghllo apply
for financial aulSlallcc from Ihe Homeowners' Emergency MOrlg8gc Asslsumce fund, In order 10 do Ihls, you musl fill OUI,
sian IUld file a compleled Homeowners' Bmerilcncy Asslslance ANlllcatloll with one of Ihe deslsnalcd consumer credit
counscllng aaencles Iisled above, An appllcallon for asslslance may only be oblained from a consumer credit counseling
agency. The consumer credil counseling agency will alibi you In filling out your application and wlllsubmll your compleled
appllcatlolllo Ihe Pennsylvania Housing finance Agel1cy, You must a~l!lv to one of Ihe cOllsumer credll c!lllIlW.l11i.Wd
IIsled In lh~ ollached clI\)lblt for an apnllQtkm..ffill11.n.JO day! o.L~our (Q~~-:l!!:fIL~-ID.Win&.
II Is extremelv imnOrl8nllhal vou fIIc V()U[..lWpllrolPlll'~ If :toy 1'2 DCU do IP .2LiLYmulQ..llillJ'nllow lhe olher
Jlme nerlods ~I forlh in thlsleller. foreclosure may nroceCI 82alnsI Your home mmedialclv ~nd YOU will fQrfol1 Your c1h!lhllllv
fut~,
Available funds for emerjency mortgage aulllance are very IImlled. They will be disbursed by lhe Agellcy under Ihe
ellglblllly ,,1I.rla ..Iabll,hcd by Ihe Act
1.1Ju!1r1l1ll!fJ~ 11D1!llfliUlJ '!\lll.l:!l1Jr iUU!llcalloll is aCcunUe and complete In everv_~I. The Pennsylvania UnwJ.IUI
Finance Alltmcv ,11 I slxlv (60) avs (0 make a decision afler il receives vour IIrmlicallon. During lhat addhlonal Ihue, no
foreclosure procee Ings will be pUrlIued against you If you have mel Ihe lime requirements lIel fonh above. You will be
oOlllled "1!Ceily by thal Agency or III decl.lon 00 your appllc"lon,
Thll Pellllsylvanlllllouslllg FllIlltllCe Agency Islocaled al2H)I North Frollt Streel, Il,O. nux 8029, lIarrlshurg, I'A 17105.
Telel'hone No, (711) 780-3800 or 1,800-342,2397 (loll rree nllmbo,),
r!nCh)911d also III alUlIher nollce from Ihl! lundcr umler ACI 6 of 1914. Thill nollce Is called It "Nnllcu Ilf InlclIllulI to
f1oreclolle", You mUsl read both lIolice~, since Ihey hOlh explain rJghts Ihltl you now have under Pennsylvania htw, lIowcver,
If you ch0050 10 exercise your rlBllts described In Ihls nOllce, we canllol foreclose upon you during Ihalllme. Also, If you
receive rlnanclalllsslslance from Ihe Pennsylvania Housing FlnllllCe Agency, your home CIUlIIOI be foreclosed upon while you
arc rccclvll1B thul aS5I~lance, (Use Ihi! paragrallh only If applicable),
Slncr:rely,
~'D.~
CRR'filllllll MAli. . Ip 0
Rtlurn R~I:~lpt Rcqu~ll~tl
.AUdrm l'ml~l:llnl\ RC'llmtctl<
Ogdon (1, Dickerson
Collecllon Departmont Manager
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