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HomeMy WebLinkAbout07-1342SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY LD. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. N0.93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.07-28981 Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY No: 0 7 - / 3 yam, ~~ ~~- ~, VS. Eric G. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 Maureen A. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 DEFENDANT(S) COMPLAINT -CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY LOCAL COUNSEL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A LISTED EN LA CORTE. SI LISTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, LISTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. LISTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI LISTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA LISTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. LISTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARR LISTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY LD. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. N0.93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.07-28981 Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY No: 0 7- i3 ~z ~l VS. Eric G. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 Maureen A. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company, the address of which is,11200 W. Parkland Dr., Milwaukee, Wisconsin 53224, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: North American Mortgage Company Mortga og r(s): Eric G. Fritz and Maureen A. Fritz (b) Date of Mortgage: November 22, 1999 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1583 Page 548 Date: November 23, 1999 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: NONE 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 212 East Simpson Street, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Eric G. Fritz, 212 East Simpson Street, Mechanicsburg, PA 17055; Maureen A. Fritz, 212 East Simpson Street, Mechanicsburg, PA 17055 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of November 1, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of February 28, 2007: Principal of Mortgage debt due and unpaid Interest currently due and owing at 8.75% per annum calculated from October 1, 2006 at $21.30 each day Late Charge of $37.57 per month assessed on the 16th of each month from November 16, 2006 to February 16, 2007, (4 Months) Escrow Advances made by Plaintiff Accrued Late Charges Property Inspection Mortgage Insurance Premium Title Search/Report Fees Attorneys' Fees and Costs $88,866.41 $3,216.30 $150.28 $24.41 $67.49 $8.90 $37.03 $250.00 $4,443.32 $97,064.14 9. Interest accrues at a per diem rate of 21.30 each day after February 28, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff s sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et sec ., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. Date: SHAPIRO & KREISMAN, LLC BY: ~Yl Attorneys for Plain i S & K File No. 07-28981 NOATHAAtIlEflIOCAN~ApRTt7A9E CCHPAAy 'ROn~;tT p, ZIECLER a.n. sox neeoot RECOaoi;R of nEEns rE'FALIltA, G ttg07!-neat OUM8ERU1Nn COUtITY-p~ pINAI AYVIeW Au oea '~~ N0~ 23 ~~ I ' "`j•1 A ~`~~3~.:t71 dry PercalNumber ~~ay~~DS?d5-o-Pt aaao ten~as Aber.7'hia Liao Aar Jtacvrdla! D~lal Nao MOR~'GACsE eo7ee7e-goo '17~LSMORTGACL~i'SseudrTlsewmebt•)IaSi7saao NOVE1mEA 2A, Iooo .'iSiame~4Eoris EflIC Q FAlT2 ANp, MAUAEEN A FAITZ (•11ofnaWer'}.7hieSeauciiylnatn~maAli?ZiVentu NOR7N AMEAI6AN AgATGAOE CMIPANY +rhlchianrgeaimdu[deustiagupdarthsllwlot DEI.ANARE ~ yld ~,.)~ eddttal! 7oea AIRWAY ppIYE, 'SANTA pUSA, CA o OS {'Lander'). Hertclvar os7m Lgldar the ptlruiltat wm of NINETY FIVE TH01/BAHp FIVE IAINORED AND 00!(00 Uollera{US.S as 6oo.on ).Thiadsbeisavldeaeedey8orroper'aeowdat7dthseunadatauehie6esurlry 1tIlUUmant I"Nato'). t)hie{I Iuovlda far morthlr plTmsnb, with the (utl debt, U not petd e7rDer, dm wd pspble o0 ngptnAgeR n1, 2020 Tide 9seur{ty FasltCriuot elute! W Leoder. {a} t)Ip [ppET,oplt a[ Ilm debt evlldancad by the Note, t)irh lntercat, and dl tetrotrela, eaualeions aed mndil'iwGona a[ tlta Nate; (h) thn Nvtnneat a[all . anlef Nme, xlt6 laramt, adyA,vad under p7at~Ph 7 to Oretact tha exwlq of thu Soeuttq kutrunteor and {e} the perlormmes o[ bormvers roreeeata end ayraetneats order tbla 9dvtib LtaVtle7snt and the Nets, 8or thta pu+ptrn4 Boerotrnr dna! horebp morltsge, gent apd wnvey to ~rckr the fellawlnt: deeetlbed leealad In CWBEALANp Cauny, Peee,Wlvattiu THE tECAL ea6cAlPTIgN IZi ATTACNEO NEAE7D AS A YePAAATE E%NIdIT ANO It: MADE A PAAT NPREOF. xhieh pas the addrrm e[ j }Z E tt IMPSt>Tt 471IEt:T t, IAEGF{AN I CCel1R0 t31e.`L C+t7i ~eAidn'IYlale 77064 l YID(1CrtY /SddIt40 )I IZIp tbeel ® ~A~AII~~//II ff ~~A''+AA+~I Iuse:Fru~swl INlltur&rr Faw 7071+ a/ c ~~~~II~~ 7aa67LTAAtA-lap4 F..4r'F-A1NHtilIC +~IAW~YIe~~~~~ptl '~-4NPA1 tM ~m Am~e.r 17J~i VIV MeaTewet •Ogwi • Y70Ilir77µ~ ~ tin .., ~ 4itl~M.I~tC_ ~1AF oouti583p7r~ 548 To0~7iea WfrH .!t ' ~~l°rt ~ ~ow.~j~^'p~ m~,a ~wr, ~ >teratur HO1~~~pght~~NAllorytelOtsl01 pe:=ortheps°r'r+Sf.Ali 'sOp~ °a 4te leQ4 loos rod AC ~ m[aQtad b itt tbL s"Isi+Cearensr stad adel • -'~ ar! yl Barwretra.w °e°%y Pt'OF~rYtad~t ~nrsdlr+eleedo~~+~^'<tsmte^thas~p~ 41'e°te eAd M81 d maumihoayols>tio:d. eland lmkratny ~ dda Propert fy , ~wo~4aeby uavelad yid p.;, Il,tdred ~aW17'~ml>i !~O s~htee F:pp~, eieFtYt d! d ~~~d b-a~ca ~ ~y~te~(Oto~~p~F~e aarm~wm~~y~r°pn~saityrr~ ubs~dnon•wltOrmoat P~d~pal~ usdlOn4mdo~y~•-'~'p~pAytowa'~'a'0t'eamn~ `°ypfOp°nr Y to ka• reree wd I°e °Y~d Ei eh°Nnta ~sO ~'~ aarraner p~ ~ar "u'iYwa.°gand~$v moath~,'a'y~,a ~jece m °eje'w"r~! ~tKrmonc+nd taa~sll~d ~vAde a) y es'adue un fd) ~deuNtald ~ategse:nucti ethl' egdp '"' '"" N~~ unpl dram mover M' Laoderr Eoh PWmemuarp~obod '~"+°'!~~''~ gi~~,,,~;~Ne~ehpddkrun~Aeum('F~ ~r eors'OSSrOfo j.aq ~aNeo+osSaniN~ ~aA~a~y mart 1 ~~j,.{ ' '"y 7o~nGtrtudmaat ru a ljm(oo tha Pn x°°~~a' s~Le~f °m ~ ~ a deader r !'°aderd ~ ~mof qm ~~,~ ~j olNm °l'°~°uo salon 2601 er rop. f~Rggt ~p°Ad,~~t+to SoNmaene A~ shott l° 1q0 ~"7O~rs forte ~ n~ ;,~~ ~°QShe bed 0l~cu~s~dan ~+an°nq ~rure w te~°r ~0 ~~aamm a~jpbran 4w0 m sip ~ gW~in~~aehepb°bhkdd(nRn ~sueau6iecalimatesoth4ra~~Or~ meygtimata~t~n ~ p ~c,if Lendorlcai~~eWioavhgaedeaoeire.»:._._ .. ~4~Ir°maorOrt~ pp4~crot` l~,eoa~iv m ~f l~ the ~n°w l°Mt tit wit ~ "~' ' cberlq pW 8o1ro ~~ ~ +t ~0m~ L~mad~a ehgl be peia oa~she ~Qr 0e^~rr+ as e>'~m i11d debit to ~ p ~~ ~ W Wdltitmy~tyrDrdl `vi4iurd awno ~~,~ r~ held by I4nder ~b G +~ d,be'"r si~le~not~tljicl0 up rho daddtater ~~wq' abell pep t0 t W Pwt~del+Nd 6 ti° y~f~~~ sB+Lax Is ha wau ° or tir~pm~~y1°~~ml ~,~+1FJjUaetl tebAd~ayltlte ia~, ~~ ZY~efull he ePPlfed: >7mr, to 1 n..~_ _. ~.mi0trona....._ 'aeWasan4 - "-•.w.s irq mulct Thin lamely e:0~-c Per'mltted W bo bcfd ~I~ old~~~Jt~t~~ummmtot~gt~. me0°t a°reae'wy ro mepi, uP t)te~ ep aotllr $ortyree.7° r i~~. ~,~,.._4_a_W_adie~t(pgd~Ia°^°7.80nnrereh.L . +we h4ei ~ ro ~fbe~ y~~y ~d sO Ea by Leader at the eltne c[ a~ti~~0r~ ~ a !erv PsAVldoe °Igerwd~, sG rtne0t t:Lcey~ dw order sheF°m°ao' eeodYad N Lattbt Pmptirty w5id~~ a~on9~ a4i1j p~q` ~ ~ Pd duty, aal lyt, to uglete N~ A00~' s0 wo0ns-. HOrr°warabell 1Wariq oyq th4 s5 ~riaadueuAd~tlwNma,~ emelaWire too bye ~ ~~ ttxtly 1a WoA the m+p~fwvidad !a 4 ~ ~~d p~y~p~ApP~ 1U0~ atpl6us.4la t paeon owed Peselaph ~ Or it aoe d la th.~t°Ypd rvna, it t° .8otroM~~arida°w~~ Wt°~te.~0~q~~~ ow, t~aYmaa41PNA1pfl~mi,eOdA~~ ^crby !a vrldn~tOltAe p;,pu`lp ~ It aA u~w ~ a~lloctly ~ shalt wompdyra• Yid kith the llgt ly oYar thin °Pm'efe to Isreveat th° °f ddtalde elei04t ttsdOtm ~ by rhe]jen io apt p~t,ogk Lm+dnrw6e~;Aeq~~~~ Saco! rheli .~ ftju0ee ucm lam bachddM to a lIw khich ar+0' easi° priad~ sawity mst:lf l~odar n A u~ r:ower.Itege.tl.rrlh°tien ~~ ma°ana~~ ~><~I '~,-~N wtu NMI~I• eaax~83r~cx 599 ~~ ~~ e lMWtw~ Mkl S. Haaard-or Prol«rtY Inrvfr>ica Sor+roaar oboes steep ate (mProve^nen+e aoR .xiatiaC err heratitcr a~,~l °* lo® by litq harard.;ncluded wlrhin the sass " eovatate" end anY othee hst+eds. slip Ptapersy itmttrod ataiWt including Oottda er ilaodai, [a,' "'dell Leader raquitroa ieaaranea.'1'tea Itaateaots atoll bo sn.intaittad iii arnotia and tar she tiaiad^ ttut ]paler ra9airrs. '1~ lnanlaMe aertiar provldIng she itta,trattea aMt[ Ire ahaaa+l hfr liarrow~ eabjxt a Lpndor'e apptant wtddt dull notba va«aaooabiy xi ~ drHart j~ ~~ PraaC>~ ~ atrar~dµwo Ni+b abwto, Lender may. as (,eatda'a option. obtain eovenge so P'b _ p-ragraph 7. Al1l ia>u<anca pahdm a«1 teaeNalo ehsll bo aeeeF,able to Leadbt and abslt inch w etulrl pmatptlY~tive t4 iprtder ah:li ova ilia ntbt to hold the pollr:lrs and reaaNals. L! Leader ta4virea,*~shall ~ taaticamtha Irstdar nit reedpt0 a! patA pramivma and rmawd nadcea. in Um avast ai idt, l3or*a BartoN~er. Pra,„P iaounaw carrier and Leader.l•e„~ maY msi7o ptooi o[ Iota i[ pet m Pia e~ttdl ba t^ppltad W rglmratioa or topeir Ualetelpodar acid HO1'soNar atht>rrda<, ataw, is yJry"tiII j, smuraa^a hloaad Londer'a uecudty is not ltstsemd. It the iri ~ preptxq dsmatod, it the rpiondonor,ePnr to etroaotgicallY texd tsatoradstn er rapdr is net at:enomiesUY rowibte or L,ander'a xQirity aeuid bs 1^tntgicd, dye;ttoue+sttw p,stcoeds Gtstss,moat4 t+hatttcr err eat then dva, Kith nor eileese paid to BattVNar, R aptdied to the otiose aot:sead b9 ilila SacuriW rl,at tfia imaranea tareier Yes $arv+,a' ahutdont the Peopesty, °< does notamtrer Nithln 30 data a eotiw tl.endor~ ~ w tePair or otta:od to actilc a tdeim, rhen Leader may eollecs she inaunttee proeee~r. odxlll ttxioro the Prop^riP or to PaY evens eeaitrad Fry thfa goatrritylaatroment, wltetttar err nos Shen due. 0 9p'tley pars begin when wa nadaa io gl~,+• m ariGttg, a,t9 appliadoa vI pto~ to pt+n~iP'i shall not instead err ilaitx;r twdar and BarroNa' arboreiw agrao 1 and oZ r ahaaRe else tine dra and ~~tt. poctpaao iles dvo data of the mvathiy p.Ya,a,+ra ra[erred m la par. ~~ debt m any rnavrstls~ pall P,~oda 11 ~ pera~nph 21 ebe Poa4netY is ac9uteod Lp l.asaar, ~ so lAader to slier o:fattt a! the evma goeund 69 svaldog mm dunsgo to theAroprxt7 prior to the acq»itttioa obeli psw ~ qty [n~rramarit [mmodierdY prtor to the ^eyv[^itiott. 9otrntrar a Lane Apptieriioa7 6. (7ecv naY• Ptea~rl atio ~ ~~~I;~olt~^adaanda hr°DPr~vps~ wth~w~ w'i,mii~ai weidettta wftitia aittT deYt Loaseholda- Barroom' O0.'tP inetrvment ^nd ahtil wntlnoe so ocaapY the Prot]' m 9orroNar'a PtiacPU sitar the maevtioa of Chit IieetiriA' tmltom tea, otltnwka agrm in xrltlnt, ah;ah treereene ehsll «oidrnc• fast seat ntm yasr attcr the data ~ pcettpsney, rrlrieh an beyond l3otravrer's awiuoi. Bortower riot ba vnremonablss Nitbhaid, err onltst'"a°Q~al:"ta't°t°,ancanaiat damsga err impair rho ProPatY, aI1nN the Property to deteri8rate. or sartasait xaeto oa tlw Pmpatll- shall rtes deaitay, svhatlwr civil or atimind, ie bttgua that in I,atd e Borrower atoll bo la deGvlt i[ any [adaiwra aedoa ~o~r,otltarNiaa atsrerielly iAtpair the tiaa etwtatod by tbia toad idth i~tuaent could rewtt in [odaitum at she Property cure ettah • deiavlt and reinatato. as provided in Seciselty loatrumtait err Laada'e seeurii9 inta=+~ BotroNa mu ph tg, br eaaain6 the .clan or proeoaiia6 t0 be diomiaaed Nith a rYLia¢ Blot, is Loadae'e io°d faith d<t~amin.don, prxlwlea lor[dttae a[tha rMNar'a iatotastia tlto Property er other rtatarui imQaitsnent of ska Iles eraatod by thin ~„^~' iji°"imeas mstexia Yll fa~i~init:eutato in[arttuGoa as aytromoM^ m ti.e {or GUad t° the loon eQpiiC^tina preeees, 6a , she Nolo, ittnl ni, bat liar provide IRtder Nsth atq' ~~mrtoln¢rBoit+owor'a eaeavvoneY a tho~Priop rty u a priti~p~al raidoneu, t[ tbis 5a~+rltr (Lmired at, iaPtewnnsSott' con inmrummt to on a la^taltold, Horsower deli wd+WY+dU, sit the Pravitiawt~vMmtiw i~ m~,n wraiti~t'g [ter eta the Praperq, the le^sahvW artdsha fw sitla abate rtoc meta t Bawer !a Il e w t~,m tb" °DYOaaate Md etmaiaeit~ ?. Proteetit+a of L.mdar's Rirhta is tlro i sopa~. lat;shat may sipuGtxritlyar[ect Laadder*r rith>• let the eoauiaat in this tiaCUritY Latpswanc, ~ thee' ~ f~°d y tnt i„ ~^'~• ~o~'' [err eandemttttilaa ar [ar[ejetua or to ea[ ~ lLAOdda PcaPany (each an a P,~°d' do tad pal for Whabver is nac~^rY m pmtoet the valve at tM PtsiptxtY . tvedatiuas), ~, L,eadar >ysgY ttty wino aaen«d by a Ilan rbich hoe priority over Chit Laader'e ^crjona ma7 iaduda Pai'b,¢ Sw~uarlh' i~iru~~PP~,g in wort, I,~Y,ni reaeoMbte atmrnaya' !era sad oaterln¢ on the Pevperty tt1 males repelrs. eUiltov¢b Loads' May take stolen uttdar thts {?aratraPb T, Leader tieea not Nava to do as AttY a,t,°~n dtsburaad by u„der ttadm'thla p^r^gnph 7 shall ltewmo sddlliotMi debt aI Bprroarrr eeottred by thio Sarrowor sad Linder atrca to other tm~atA of paYtaanR theca amotuite that! beer inleratt $actrrity ltwttttmsmt. Ualea bt Nirhlnteeaet, utter, nndoo tram Candor to Snis+oNa loom rho da« of d;eburmmatrc st the Nola rata and ahslt tie pays 0. the Ian aacured by thin ragvmiln¢ PaYmans. It der uirW mortt^go fnTtnaw ee a tmndititut o[ tnalrittt 8. Mott¢ato [aavraneo. Len nV ittot+rattoe in d[aet.ll, [orany Seetuiq Iaowma+,4~Na ttholl p~Y ~ p,ejMume regttitDd to msinulntha tuarlaa6o «waa, tie mortpge Insurance covsn¢e raqulred by Lerida lam or txwao m be is efleet. 8arroNer shill goy the pramivtas required m obt~ eave«ga eub^tantlaltY equivafeat m fete mnrt¢ata i viovolY ~ d ~ Itam[nn dtern~ sabatatuidlY opuNtalent to the Boat to-aatroNer o[ tlw moruittato L ~,+ao ip nstttsnca coverage h t1m availabl4 morsYgw i,m.w..r .pr..wi f.p [.,odor. H aolisq~ ~ o w~ ~ ~ PL?ir ~~~~:n,nm,ilee orCmivm beint ilarroNer shall psy to Lertrkr ewh mansh s sum eq txte tad relsla the0e paid by BORaalaf ohm the ttu+,ra,+~ cave«tc laptad or sewed m 1>c in affecc.t.rnder .till accept, paymenm ao a sow rya in lieu o[ morttate lmunnee. Lars ramvo paymcn« may no lon=er ba satlnlred, r.,.,t Lote oleo -... a .t ~ tntttau~ 6NlPA) t^•ta ~ gOgM~~ iyGE .S~O n ehe op[wn or t,ttda, tr martgap teuuraaw mvmQv (ia the amount and fee rho pedal tiut 1.erldar unev Providod 6p vn [oancu epprwed by I.andnr .trio bsomcssvvllableend is alouined. Banona dMtl pay thv pr miut~ !~+Trod m raaiauia mtuttate iaat^mco in afraet, er to provide a lee, tcaorve, nntll the rogtde4neat lar morttate lroannex ands in aoeoet4atti with any writtea went 6otaaml Borrotrer and Lender a ap~1~~Ie 1^rt. 9. faapeetioa. Laeeer or l4 atvai enay make tonomblo eolriettgroa and irupearlntla ai live Derrower aotlw at the lima et or pelor to an Ittapmthr8 epedlytpt tewn.We gtYe lnrt6e~GMpooe(~e~• Calder shell [Q. Coademaa>joa,'lhnptpoeodse(aaygyardordaimford.ma dl[eatotttloaoqumltial,Iaeoaaov6oawith a1r wtldemaatian or ether takiat of say Pert et thv Peapvtty, or tar ma~aey,nro in flea of eeademm[inn, ^ra Aerntq aetitnvd aada1u11 ba pad m Lender. Iq the evexlt o• a tout takiat eI rho Properp, the praeeeda dull 6v apyltad to the elgoe aoeured by thlp Svouri lmttumeat.xhedaxornvtthmttue,wlthagYnre~PeiduBonax,C.Int6emtontOtlpNatt^~~~pyop~, p Nlueh she lelr marks[ vatuv of dw Property tmmediatdr hdere tpe takint is sglrl tom a.4terdua the arttaweof thv .~+ma aaeutod by this Security Inetramaat ltamediatdy befo[v tla aldop, t,dwa Botro,rvr pttl yardrr ee>~iae -tte¢ In trritiaQ, Iho stage aevntad by lldaliattei Iruavm We fdta 4 cot dull 6e teduaal by the amtwat o[ the paoceade multiltfled M aMt liaetiom W the tool amovan.d the auma vvwevdlmtt-oWaalrbettno tlm tegp~d br (b} dlelair metro[ Ytlta o! ~ Psa~ Immadlamly tsetote tba tal9at, Any bdaaoe eha![ Lspid m 8ottutrer, Lt the avedt vt a partial takiat of tpo Praperq in vrldch the lair meiat wino of tba PreE+artr tenmediaWy. betoav ~ reltiat ~ tyt than rho amount of tpe mtem aeoland Irttntediletely helots the uElnR ndeat Aotrarrar Iad I.rdld~ otltattdleaQrm la trrItlaQ ar tWm appllwWa laN trthertFlae provldes, thv paloeodr dull be appped to the euau eeeutod dlie Sacudty Iturrumoat trhatlter to• sot the calm era then dna, ~ Jr rho Propatly is abaadoaad by 8oreoaNr, ar it after ao[Jty br Ilgder m 1i9ttower spat the wndmmar Mlraa to make M award er male a claim for damstee, 8eneger retie to taaptlgd to Linder Mlthia 3Q days alem ebo date the nvtim to then, l~lder 4 authorimd ro wpnec sad aPNr ~ Petxeeda, at Ile opdaa. dther to tvatvlltiaa ar rR+dr of the PNPertyor b d10 Nna aveared by thtp $oairN(y IwteummG whathera~ Wert thee doe, Ndaee I.mder and Harrower othardm altos In wdtlM, any appiloiioaor p,ocepla to Pr1+dPd ehyl tmcealgW or ~ ~e~ v due dato of the monlblY P•Yraents rofwred to in pantrappa t aqd 2 ar chanty tlto emawrc d eugt 11. Harrower Not ltaleuodi porpasaooe 9Y Leader Nnt a Watveu IDdatdoa of the tirao tar pymmt or mrlerdladoa al amoetiraden o! the atuae aeetltod by rhia Seaeip.laalnugant treated br Laedmr tp tar nteaaaor is T»tenDlC o! Honewer alulf avt operate to talaa7e the IieNfily ar t1w oriaaal llarrotrer a Dolrowel+a arteesarora in iatueet, ],coder ehaU see be evquind m cammaae pcotmdinte a1~ any atasaator is ieteraR or ad'ttoe W oatald lima !or papeaeat ar otharyfae modify amdttiadop t(tpe attma aeaund by thta Seeytity tenrvataat by reaga of demand made q tho odpiaal Dttrrower ar Serrowor'e auor~oott is iaterms Astr forbaawove by Lends la warddo~ any dthtar tragedy vhalt not be a waiter of orprsdtde dla exaeino a fear dtltcer taaady. 1,2. 6pceeaaora and daaltaa Dtmgd; 7o4t1 cad Saveol l.tabllit Cositaaei'Ibeepyenaatrendafrmrrtega at -hie taecuriq Irlaaue4ant ahail bdnd acrd baeetit the etlawet. sad wfw o[ Latdtr cad DMto.a , eu6pct to rM provlaoro d pacetrap617. DortntrePa tavaeaetaand at+mmmtr dull bo Jolnr and aeFeraL Nv Beeroxar who eevdteo Chia Seearitr laaunment Iwe deco nac eltvnte lha Nrna: G3 hr tvYtalttt tpia Sactltity Lntnmtmt ttrtlr m ~nwgtate giant and eonvvy tltet Bonower'a iatorast !n tbs tuWa t6ptol ler[na at tba Saa[aiq tp/a~ummh b() is Woe ~~aoadly obl)tatsd to Wl cpo aunts txawtd by thin tY Inalttletteaq and (e} agree Chet Iwndx aqd ear other Boerowor may aQtro to oatrad, modtq, larhaae or ante ea! aaammodethrm wlth rstard to the lama a[ thin Sveluitq laarrutncat or the tQam without that Dotrewere oonaatt, Ii Lnaa Chsetoe. A the lout talmstl br this soctvtty Llatralaeat 11 attbjatt to ^ let tFhiop near malitobm Inca ehartea, and that UN ie ffaala lalcrptated ao that tpe iataralt or oWar lam dteRee aoJlaata! ar m be wUaged iA Cotatectioa with the ltrut areoed the permltred 7imiht, then: (a am• anch tram dtaryr chat! b tvdumd by the aelevot ry to reduce tM whorls to the petm(ttad liglip and (h) am eug11 ahoedy ealtepvd ttneq Nonone wplep aweedod pteroittod limits will be tetaadad ro 8ortotrvr. Loader racy tdlppav to malcv tpL tortmd 1q todnciat thv tv ~aaau a patdd Nom or bl maklal a direct pgawne to Eoaower. N a reWed raduaa pciadpal, toe redttt:6w pteptyntexttw[ ~tajyptoparyonedet.tgvNota. 14. Natr... Ant aotiee to Aarrowmr v dud tar a thla 8mrsity trutrnranptehall ho ttt~x by de!£vaeinQ It ar by mailiat lc !uat due mail uotees a able law regyQtea txo dl mtgher method. The mlke apalt he d;tevtvd W tqe GPtopdwq ddd ~or~a~ ~ " 8orm~ dtsieaaoe6~u~addror Leodcr ~'r notlaa w La+d.r altytl b ties 6y aatico provided iaria thiaSxvrlly Lugveaeitaiull he drooled m pave been p$or:axeroror Loadx whwtetireny ao ptav(tlad In this paeaDaPp, i7. Wvaraia LRiSOVerhllitr•Tilts9e<aa~ityleatttlmearaitslllataYCaed6ylede[alLw~adtllalawe(tho jutivdltNaa is whichtheRgPd3y L loatvd.ln rho avant that~ay peovltimt ardnge Ntlda Sxudyrlaaattmmtorehe Noa mdflcuwtul appllgbb kw. ouch tAdlietsbdl pot atteetotherpe'm'idtsunt thlaSeanrit,faalatmaator theNme trhial sera be tiwn d[aet atilhooc the txad-ioUnC ProVidrm. To thin wad the ptoridane of fhb trveudty iQoavmmtaad theNoto era deWttad m heaevenide. ~~tuNN w.m r,a. ~ ., . Fwtn IWI tr10 MINaIa~.isyC egot1b83fdtttt .551 MaF t 16Horrowal'eCopL HartoworahallbeglwnopowptarmadeapyoltbsNourandotifiieSwtrdtrhutromau. 17, 7naetee N sea Prepesty or a gee.tieial Iatetvvc to Hehotrer_ It aU er toy pot et !b. propertp er aey ialmrds io tt TB cold err trtlttefsrtsd tar it a bett~aal inksat N Hoaatta~ iv old or tnoKetrad ttd Hanatttr L ltot a natutd peraen) witlqutLasdee'a prior written mnaeat, [cedar may, at im cotton, nquita immediate paytnegt is lull of ell aunt assured 6y chje Sevuriq Iaawmeat. However, thle ttpdoa ahdl not be ermrdttad by Leedv ii erms4ae u pmhibjted by tedtrltl taw m oltbsdue of thieSecttrity Ltewmcat lI Lsadtr araraieeo llda apdolt, !.antler abal) j;IVO ~tratror natiCOal aerAiandnn. h1e 11oUee aluU pNVido a period d! notleo than 30 d>,ri item sbadan the aatlariedelivaaedormaHod+rich{n whivh BarroxamtutpS dl aumaamutvd by thic6vcucitYlnauurom4llHoxowalaifatopyt6tavetrmepriortodroapin4anolthisperlod,lettdamuinvoke atr, rcmrdintpermitiedbp ihiaS:~+rksia:a~s:stmtaitlmativrtharaetlacrdetatadar 8vttagar. IH. Hormwer s Rittht m 1Relaagta U Borrevrar meals ande waditEent, 8onuwar ahdl have she eight to have adaleomont vi ttda tiozttrisp Inewatantdiaroodaued at saooyy dmepriar ro the varila oh (a) 3dsya (vr such atha pperai1od w appileabfe iaw arty nova (y (err ntttstatemmt) baloro trio vt the pro to am poxer o! nie caataittad in thfa gocimitr Inetrvtamt; or tb) entry ai v ]udgtnem advtting this ~lmtr+~mwts.'fhnae wodleiow rte etas Ilarmttrcr: ter) payer Laadar all wme ahieh dine veuid ba due cooler d,ia 9aaa;q 1e~raaves aed We ATau r lT eo aceelerstion had oocurrod; (b) cares any delwlt al aqT othtx wvaluna or agleelva,W (e) pqs all eaptaaw htaatrvd ! n eefereiag rids seetrity Ltewmmq including, but cwt limited to, rvnvn.We aaerara' leery acrd (d) trdxt tuah •cdaa av I.oadoe may rgtoaeblY esquire in sterna tilt ohs lisp et thin Seeur{gl Inatrumepe, Led/ a dghu fe the ikosaeO~ tnd 19.5a1e of Nctq Cheaga err Lots Senlcar. The Nom Or a panid iareroasin theNote tto~ettii lnatrumaAt) Mapp 6a anld one or mttro dma without prior nOtim b i9etrowac. A uM lnV mmlt In a Gawra M the "4ean gerriea') that o0llcau maaddy pgmepta due order dm Nora and thfa &curid also m.y be erne or mate chatterer of the LOOn Satvicer veedat<,d to a ado at the Nara J< thaee it a Servitay; Botrnwae will bo girvn lerjtten notice et cite eiianga to aaardancs with gngnph Id chore 71te ttotim wIU enm tan naotsapa aadreo• Of tin sea LeOa Sarvio.r aed the arWesae to which paymranebpuld be mach 7'he trader rill elm raetainaoyothainformadontogldevdbY appli4bloLw. 10. iiaunlow Snbsunca. Borrower dull trot awe or psemit thv pleaana, use, diapotal, attuage, a eeletae at nay liaretdam Subvteacte ea err In rho Property. Hortoteor ahdl not do, avr dlaw et7elle elan to dq attYtldagalbeprtt thal'ropertythet is ie vialatiaavlany Envirvnmentat Law.Tba ivaoginpp two ^ee>aaeeaebdl oetapply to thapreemse. >,ns, err atorap on eM ~Y of apt.ll gtuadUn err Haaardmu Huecunca that aro genaal(y r•tvRnia"d w bs a ^taraaaapatreudeaudwautdtomaiatcastwvttiwPmpsry. eraitaU prompgr clue Lender rdtrae eotieeaJ nay Invadptioh,claim, demand, I•srmdt err aumr.eliet by ~ lovemtamul or tnory agent? or prlratn pony invdvhtg the Feaperq nerd soy Haurdoua Sttbantttro err Eerimnmeaul Law of tvbiah Harmtvar bw aotwl Wtowlvdt;a If BtuTattae leaeee, or is aodfied by sal jovammenul err taeularory aulhoAty, that nay temov^I e{ ester remediedon of coy Flasardaw 5ubetattw altacOpg tba Property is pmenary.Bortawxahrpt+eomppdytdcsdl veceroeryremadW acdotrlaerm,dtneewithHavttatmentali.ar, At txKd In thin ptragnph 2o.'I9atnttknar Bobetatxaa' era thga aubetatttxa dnlived utoot: trc httaedOw vuipusas by Brtvlromnettul Lw sad tits falio+rtag eubetateae~ gtaeliac, kaeaeeat, other flammtbla ar maje pevateum praduab. tosic peadeldse sad habiwde4 rolatl)e mlreau, maleriata tmnseioitte mbeatoc err tariaaldebyda and redioeotivs matetitla, Ar usat iq this peagraph 7Q,'BnYlr9nraeauf Lac" tnew [decd faro sad lacer of thv jvrivdistian theca the Prvpenyy la lontadtbatrohty to he+lth,tatetyareavitttotaettnl proteetien. NON'UhHI'OAMCOVENANIS. Hotsowerapd Lender tttnhersareaaat~adagrve wiolfowe: ZI. Acceiedtlon; );emadles. Lender chap river aatlee io Satxawer print t0 atxvionttiod yatlot-lat Ho:ratraa 6mavh eI spy epragsat or ajreomeat la ihb &xutlty laatremeas(bat AOe prior to attealmtion under panpaph l7 aalwaapplisabiolsn pcovldva othoekiae). Lmdsr.hell ttatUyHortotrarol, amaagother thbsga ((a) t0s daleult: lb) the tetbya required to cote rho deAuft; (eF aebea the de[~ult mua! ba sorvdt and (d) tbst f^ilara to ettro the delanlt n apaatlisd mry tetY(t la adwlKat aq al the aaraa aeeaecd 6y tlriv Security fnarre,aans, fornolaauee by judicial prvcaad;a~ and ante of the Property. Loader ahdl lvKbvr ialorm Hottrolra oY she rlghs to toiaawte sitar tt~letttion sad the eight to aaaot3 is the Rtexltrtpro ptoeeetlieg the aatresbtdlee of a dofanlt or nag otLsr ddeulae aI Htterower to aaaleratloa sad tandaaYev. Il die delanli is not wced as speeilicd, Laadar, at its opdoa, meg requjro immediate pgmeat fa [aH of all ttrtas tvetrred by tkta Security 7eatramvat wishoae terenhsr demand utd meY foreclose this Seevr3ty Jastrrmaat 6p 'uditdsi pracvvdiag. Lvndae.irdl ba entitled to vvifeat atl espepvaa iaanrred is punalat fho romedTa ptOt'tda~ is chic ppangs 2l, including, but net limited to. ettaratye' has sad wsta at dtte evidence t0 th0 etltaei permitted byap 1o.bkbtt. Ralesse.llpon payment of all avrrw aeeurCl by thin 9ccurity Ituuumoot, thia9merisy inawmenturd titee.tara ceareyed ehaU terminate and hammer void. Ater euc6 occurrmtce, Lender ebdl diedsarCe sad at6fy dtie Seeudey Inawmratt to Hortnaer. 9enersr ehaU pay any rxotdtdon ~ Lmtder may charge Barawa s fee fa eeleedog this Secltritr Iartrvmest but adY it the fa is pid m a child party inr urvicn reoderad sad the oiler{log of the ttx is ~,-aHwW,a~m u,. a„a tans 70tt alto InI11dcGL.F_ eooli1583ttt~ 552 MaF 11. WAivaca. 6orrosa , to the anent p^rnt(twd 6Y ^pplipiWo tv. -Mive Nd Islwm euY errrr or defxu in Dracttdlnje m miarca thin t+xttrity lnnrumw6 a+ta haoby r^i.a d^t b^natteaf ^nr prams er tutatr+I^tro ploridina taraa7otetmudor, eatendoaet tirae,^aamptiaa~rom Atwdtmeat,favyandW0. and hoetmladesptptloa, 10, Ralaeunmeat Perlod, Betratra"e tlme to te(troak pt,poided to p^rajrAph ip ehali eat^ad to aoA boar prior to theoemmeamtarntat 6idd[aj etO W+arl(('eale or etherata >'~It to ~gdyN~ laeiremenl, 35. Pnretua^ Monoy MortptP+. It aoy c{the slabs aeanrod ~ tbia s+atviq teArrortleat L ism l0 13eno.rar to acqulro+irloto tee Prop^rty, tbia Soear{ty (natrtNtteutAh.lf 6a a p+ggp^e mrnry marejaaa 96. latsrget RAto Attw 7udamaat. ttarrorer ^~^ duo tb^ iatyast nn p^yeWe dtq r the Non w ie an A^Naa of memtpr„ forodga„ro dull tp tl+^ rou t it mtaad an 77.8idara to tbir 6voority tartrnmoet, tt ono w pg7blr Tram time m tlme tm+kr the Veto, wf th thi^ Seouelty lwttametltr 1l+o m+retaou add ~O rwArt aro a^aeutod b Setrorer ^m rtavrdea toilethor em^ga end slpPtoateot the tnretWtta end A t~emaw nt meh aue6 rider dWl bn iaoetporatod lam ~ ehd! stcurity lamtrmo4t. iCheekepplirable hos(a)fraommnor etde 6mtRiRy t+airartwrtl ea It the r{dar(a! Hera a ptrt of We Adjtlme~o Rate Ridor Caadomtalum Rider A IM PAm11YlGda Grxluaad Aeymmr Rider Plenlad Uait Dewdopmont Rader Sir^akiy paymestr Ridor BAllooa Rids Rata impmroalsne3tidx 6oeapd Noma !tides Y.A, Ridor Other(^) !opacity! SY 3ititiltid 8t'A.OW, gwtoyw, earopn sad Ahem to tb^ terms and cotron.ba ooaWn^d fn thin S^curitl lanramentaad to AaY rldra(1J weeumd br tietrrrar sad retarded with (i. Wlu+e^~ ~G. ~--~ i~au . ERtc o FRt ' -e.nar.r MAWtElN A FR1T2 •B^rrorK (Sal) it+.Q -tlermw+e •8wnrat Caruttaito o ,Redd 1' ~~~li~~ ICJt'~tr/LI/lC~'/~1{1f add n a! anQa~eale attpa AI AY DRIYB, !SANTA ROeA ~~a~itytluttbetarteet Witaeeamyh^aathla o1.,,,/tc~ dAyat ~/ >~/~' L~~ C~MMONW>:t-LTAOpPENNgYLVANtt, Aha'a w "~ C1DJnBRLANC CapntYaC Cn tbp, tho e'Za7J1[r dayat ~~/~/cbf?Br' . f 999 . beloro ma tIm uadeniYl+ad ottie^r,pataw+aU9appated ERiC 0 FR17Z. tiAW1EEN A FR1T2 tho poreong tvhaea aaraa5 lomra m mo {or aatjalwrort yptaven) to be ~+~ ~ ome tar dk ~ aa~~ er tho xilhia imitvwent and eclamrtlsdjod slut Parpa~ hwain eoataincd. SN W(pNESg ~{~SSEDP, ! heccu~ata Aot my Iona rnd officla! I MY Cammir[oa &p(rts ~ r ti - E'~~"'s~a'~+l TS+betOftl r ~, -tgAPAI +^rw teldtlrpnN hn a.1^ aoo~iS~aru~ 553 • ~ Law se 10670-702 LagAL aEadiIPTICN ALL THAT C~'!'AIN Irscl or parcel o! laud 911uate In the Borauglr of Mechankxburg, County of Cumberland, CommaTweafltt at Pannaylvanta, boundod end desorlbod In aeaardanea with a aprvay and ptnn thereof dated March t, 19AS, proparad by p,p, RatlanaperQer, Camp Ht11, Pennaylvanla, ng tgpowa: BEGINNING at o potht on the aorsth+ereatem corner of fhe IM9reaetbn rrl East • SlmAaan Sheet wind Shephardetawn Road; thence !n a southerly dlregian along Ina uvastern line of ShephardatouVtt Road South no (00) donrea^ Ihirty. tWa (3Z} mbttttas East wla hurtdred s& and thltly.IhfCo hundrodlha (108,33) a wesatly dllroetbn afoagf the Nne of aeld allay S~o~ lohlyt ~(82~ degrees no (OO) minulec Weal ^brly-three and fifty hundredths (83,50} feet to x point an the easlam Hna of the premisay known as Na. 2p9 Sknpcbn Strout: litencc In a nonltady dlroctlon North eight. (O6] degraea no (00) mtnuttta Wa^( qno hundred Ave and lofty-three hundredths (4Q5.43) feot to a polni qn tho soulhem line of East 5bnpaon 5treat; Ihence along the saulhern Ilea e! ~86t Simpson Slroai North elghty1wp (82} degrees no (Oil} mlrwlcs Eabt sevonty- tteven and thlAy-two hundredths (77.x) feel to a pdnl, the Pktce o! BEGINNING. HAVING sraelpd thereon a twa story fiemo dweUhtg heirae known ne Z12 East Slmpaolt'Stnta4 , Si+~ ~ nl Pennsytvenle r IrolCumaarWtxt~ 86 t rt ut t tty Olltt:a for the neonNna a Dgdt .~ i M b~llendCpygnr ,.,. Yal~P+ia~,~~^ wiUn t ^f tentuR t t do 1t~~ aaariSB"noe 554 LCNT p '~ 890 ~AA `'~ ~~~ NOTE NOVEMBER 22, 1999 CAMP HILL IDstel 21Z E 51MPSON STREET, MECHANICSBURG, PA 17055 [Property Addressl ~~ 5816578-702 . PENNSYLVANIA ICityl [Stetel ~`/5 ~b38367 1. BURROWER'S PROhI1SE'f0 PAY In return for a loan that I have received, (promise to pay U.S. $ 95 .500.00 (this amount is called "principal"), plus interest, to the order of the Lender. The Lender is NORTH AMERICAN MORTGAGE COMPANY . l understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to ra:eive payments tinder this Note is called the "1~ote Holder." 2. INTEREST ' Interest will be charged on unpaid principal until the full amount of principal has ban paid. l will .pay interest at a yearly rate of 8 , 750 °~ "fhe interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the 1 gT day of each month beginning on JANUARY O 1 , 2000 . I will make these payments every month until I have paid all of the principal and interest end any other charges described below that 1 may owe under this Note. ~4y monthly payments will be applied to interest before principal. If, on DECEMBER 01 , 2029 , [still owe amounts under this Vote, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 3883 A 1 RWAV DRIVE , SANTA ROSA, CA 95403 or at a different place if required by the Vote f~ioldcr. (13) Amount of Monthly Payments ivfy monthly payment will be in the amount of U,S. $ 751.30 4. BORROWER'S RIGHT'f0 PREPAY` I have the right to make payments of principal at any time before they are due. A payment of principal only is kno«•n as a "prepayment." When I make a prepayment, I will tell the Note Molder in writing that I am doing so. 1 may make a full prepayment or partial prepayments without paying any prepayment charge. 'l~he \ote 1-folder will use al! of my prepayments to reduce the amount of principal that i owe under this Note. [f I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to chase changes. • 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collated or to be collected in connet:tiun with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permttted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me.'I'hc hole Holder may choose to make this refund by reducing the principal I owe tinder this Note or by making a direct payment to me. if a refund reduces principal, the reduction will be treated as a partial pre ayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments if the Note Elolder has not received the full amount of any monthly payment by the end of i5 calendar days after the' date it is due, I will pay a late charge to the dote Holder. 'the amount of the charge will be 5 , 0 % of my overdue payment of principal and interest. I wilt pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default !f I am in default, the Note 1•Iolder may send me a written notice telling me that if 1 do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and MULTISTATE F1XED RAiE NOTE-51ng16 Family-FNMA/FHLQMC Uniform Instrument ~-5Acoiost.o~ FermMt3~epedt5%91 VMP MORTGAGE FOAMS 13131287.9100 • (60015 •7291 M.~lr `"~ ~ ~~ 2 'e1Lp1i~ 1111111111111111111111111111111111101111111111111 1111111l18111111111111111111111111 ~~I~~3/C' B~ all the interest that I owe on that amount, 'that date must beat !cast 30 days alter the date on which the notice is delivered or mailed to me. (D) ib Waiver fay Note holder f.-;ven if, at a time when (am in default, the Vote I-Iolder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Paly~ment of dote holder's Costs and Expenses If the Note Holder has required me to pay immedrately in full as describe) above, the Note }Molder will hate the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. "!°hose expenses include, forexample, reasonable attorneys' fees, 7. GIVING OF NOTICES ~Inless applicable law requires a different method, any notice that must be given to me under this Note will be gi~•en by delivering it or by mailingg it by firstclass mail to me at the Property Address above or at a different address if I give the Note I~folder a notice of my differentaddress. Any notice that must be given to the i\ote f~folder under this Note will be given by mailing it by first class mail to the Note Efolder at the address stated in Section 3(A) above or at a differentaddress i I am gi ven a nonce of that differentaddress. 8.OBLIGATIONS OF PERSONS UNDER'fIIIS VOTE If more than one person signs this Note, each person is f ully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a ~uarantnr, surety or endorser of this Notc is also obligated to do these things. Any person who takes over these obligations, rncluding the obligations of a guarantor, surety or endorser of this Note, is also oblrgated to keep all of the promises made in this Nute. The Note I-[older may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be ~~VA V Epay+ all of the amounts owed under this Note. I and a1nZySS other person who has obligations under this Noie waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Note Molder to demand payment of amounts due. "Notice of dishonor" means the r~~i~~h~t to reqquire the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNlPORR~i SECURED \O'I'E 'this Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to tl-e Note Holder under this Note, a Mortgage, Deed of Trt-.st or Security Deed (the "Security Instrument"), dated the same date as this Note, rotectsthe Note Holder from possible losses which might result if Ido not keep the promises «•hich I make in this Note.~hatSecurity Instrument describes how and under whatconditions Imay be required to make immediate pay ment in f ull of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. if all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without t.ender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. Flowever, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrowec must pay all sums secured by this Security Instrument, if Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument wrthout Further notice or demand on Borrower. THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Cc%. ~' ERIC G FRI z SSN: 170-58-3970 (Seal ) -Borrower ~~~ia.Gtlu,[,t.` {Seal) MAUREEN A FR I TZ -F3orrower SSN: 142-72-4894 SSN: (Seal) (Seal) -Borrower -Borrower SSN: (Slyn Oriylnel Onlyj -5R~orosio~ aa. ~ •i ~ Form 3200 12/63 • x e First Ante/•icatr 'Title Irtsttrrtltc~c G'u»tprttty Cunut~itiuci~t No. $57x91 SCHEDULE C AlL THAT CERTAIN tract or parcel of land situate in the Borough of Mechanicsburg, County of Cumberland, Commonwealth of Pennsylvania, boundAd and described in accordance with a survey and plan thereof dated March 1, 1983, prepared by D.P. Raffensperger, Camp Hill, Pennsylvania, as follows: BEGINNING at a point an the southwestern corner of the intersection of Easl Simpson Street and Shepherdatown Road; thence in A southerly direction along the western line of Shepherdstown Road South no (Ut)) degrees thirty- two (32) minutes East one hundred six and thirty-threo hundredths (106.33) feet to a point on the northern line of a twenty (20) toot wide alley; thence in a westerly direction along the line of said alley South eighty-two (82) derdrees no {At)) minutes Wesl sixty-three and fifty hundredths (83.50) feet to a point on the eastern line of the premises known as No. 20$ Simpson Street; thence in a northerly direction North eight (08) degrees no (00) minutes West one hundred five and forty-three hundredths (105.43) feet to a point on the southern line of East Simpson Street; thence along the southern line of East Simpson Street North eighty-two (t32) dec~reea no (00) minutes East sevonty- seven and thirty-twa hundredths (77.32) feQt to a point, the Place of BEGINNING. HAVING erected thereon a two story frame dwelling house known as 212 East Slmpson~ Street. Washington Mutual 8458838367 Mailstop JAXA2d31 P.O. Box 44090 Jacksonville, FL 32231-4090 7100 4047 5100 3695 7768 January 16, 2007 MAUREEN A FRITZ 212 E SIMPSON ST MECHANICSBURG PA 17055 002687 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 8458838367 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morteaee on your home i in d fa ~l and h lend r in ndc o for loce r f ~Da ~ r information a ut th nature of the default is provided m th a rack qd naoec The HOMEOWNER'S MORT A ASSI TAN F PRO AR• ( I.~AP)~y abl o h ]p o cay yo ~r~ homes Thi Noh . explazns how the program wnrlra To see if HEMAP an help you moat MFFT WITH A ('nNSi1MAR ruFnrr rnrr~recrr iwrr 1 ~ ii 30 DAYS OF THE DATE OF THI NOTI Tak h;c Nnr;r '*h you when yo ~ m P* m;rh the r•,„,„col' g~genw" The name address and phone number of on ~m r r pit o me ling Agen i n'ng yo ~r o m y ar li e3 at the ena of thtc Nnr,ra if you have anv a ~echons. you may call the Penncvlvania Hrn~cing Finanr_P Agcy toll freo at 1_800- 42-2 97 (Perso c wiih impaired hearing can ca11~717) 7A0-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 -~' 1~3 1 of • ~~ HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Maureen A. Fritz 212E Simpson St. Mechanicsburg PA 17055 8458838367 Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINAN IAL ~. I TANCE WHICH AN AVE YO R HOME FROM FORECLOSURE AND HELP YO MAKE FI TURE MORTGA E PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY cTAY OF FORF('I cilR -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MncT nt~crru wiTtrrnr muc ,vwm .~~, .,.~~ .~ .~,,., ..,-. OF THIS NOTICE CALLED "HOW TO ('URF YO TR MnRTrA D FA 1T T° FYPI ernrc un~a TO B N Yni7R M(1RT(`Af F UP TO DATE. CONC rM .R ('R .DIT O JNC IN A N IFC - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. Th nam c addr cc c, and telephone numbers of desie+tat d on ~m r cr dit onnc ling~g n i c for h o ~nty in which the _pro~rty is lo,.atea are cP+ forth a +h end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORT .A A cI TAN -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY, AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. A ..N Y ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you, if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) • j ., 002687/C0826 HOW TO CURE YOUR MORTGAGE DEFAULT lBrinR it uo to da NATURE OF THE DEFAili.T -The MORTGAGE debt held by the above lender on your property located at: 212E Simpson St. Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 11/01/2006 $~ ~ 12/01!2006 $~ 86 01/01!2007 $~ ~ Other charges (explain/itemize): Uncollected Late Chazges $142.63 Uncollected Fees: $0 ~ Less Credits $0.00 TOTAL AMOUNT PAST DUE: $3121.21; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3121.21;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavmen m made either by aah chic 'c ~~ ti ~ +'~ .~ check. or money order rnade p~yabl Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOII DO NOT CiIRF. TH . D .FA I .T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to a r is -its riPhtc to a cel ra h mor pace debt. This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uRgn your mortPag~property. *IF THE MORT .A .E Ic FOR .~' .OS .D PON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If ynv rare th d fa .l wi hin th THIRTY (~I DAY period, you will not be rea sir d o pgy a torn y's fees OTHER ..ND .R R .M .DI 4 -The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 ., RIGHT TO rR . TH . D .FA J .T PRIOR TO cH .RIFF'c ~j,~ - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may still have the right o . ~r h defy alt nd prevent the c?le at any im .p to one hour hPfore the Sheriff' tale Yo ~ may do co by~y~g the to al amo n h n p c d ~ pl ~c ny late or other chargec then d ~ r s nabl attorney's fee and cos nn rt d an h h for rlo ure al and ny other coats connected with the heriff c al cp ci ~ +n a*'*ina 1+~ the lender a_nd by_performin~~y other requirements Lnder the. mor gages Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. F.ARL.IEST POSRIBI.E cHERiFF'c cA .. DAT - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTA T TH FNDER• Name of Lender: Washington Mutual Bank Address: 7255 Baymeadows Way Jacksonville, FL 32256 Phone Number: 866-926-8937 Fax Number: 904-281-3914 Contact Person: Collection Department Email Address: www.wamuhomeloans com F.FFR .TC OF cH .RIFF'c cA • -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may or $ may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale, and that the other requirements of the mortgage are satisfied. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 Washington I~tutuppl Mailstop JAXA20'31 1 P.O. Box 44090 Jacksonville, FL 32231-4090 January 16, 2007 ERIC G FRITZ 212 E SIMPSON ST MECHANICSBURG PA 17055 G~IIIIAIIIIINIVIIIN~IIBI ,.oo ~o,~ ,~o0 3,~, »,~ 002666 /PC WE ARE A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 8458838367 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mnrtaaoP on voer home i~ ;n dPfa„Ir a ~ rti i .~ . ,a F ~ °pecinc informs+~~n ah~ ,r rha nature of the defaul ~s proved ~ in th a arha ~na~ves. The HOMEOWNER'S MORT A A ISTAN PRO Alts (H b P~~y be stile to help o aa~ yo ~r hom This Notice explains how the p~gram works. T__o see if HEMAP can help von must MFFT W[TH A rnNCrIMFp +"RFnr~r rnrt~reFr twin 30 DAYS OF THE DATE OF THI NOTI E Tak this Nntir '+h you ~,h n y~ meet with the o ~n iing~gencv" The n me addr cc and phone number of .oncum r r der Cn„nsrt• g~l:P---~ng your o m y are listed at n na of the No i p if yo have anv a ~ tonyouu may call th_ ePenncylvania Housing Finance AE~y toll free at ~-s?nn_342_2 g7 (p r n~ a^+h. im»aired hearing can call (717) 780-18691. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA ACT 91 .• ~' f HOMEOWNER'S NAME(S): Eric G. Fritz PROPERTY ADDRESS: 212E Simpson St. Mechanicsburg PA 17055 LOAN ACCT. NUMBER: 8458838367 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL I TANCE WHICH AN AVE YO R HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORT = GE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGH;ILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORF.Ci Si1RF. -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-io-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETIN M 1 T O(' 1R WITHiN TH N XT (,~) DAYS IF YOU DO NOT PPLY FOR M R NCY MORT A AS ISTAN YOU b"UST BRIN YO TR brORT A PTO DAT TH P RT OF THI NOTI E A D "HOW TO F YO R MORT A E D FA LT" EXPLAINS HOW TO BRN YO R MORT A ,~ UP TO DATE. CONS MER REDIT O iNC .IN A .N I C - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. ad recces a_nd telephone numbers of designated consumer credit counseling agen i for h o ~nty in which the p~nert; .c lnr *e~ r f .>, ..w end of this Notice. It is only necessary to schedu]e one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE. ASCISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY, AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you, if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) ~ j ~ ~ 002666/C0926 HOW TO CiJRE YOUR MORTGAGE DEFAULT (Bring it uo to date) NAT[IRF. OF THF. DF.FA[Ir T -The MORTGAGE debt held by the above Lender on your property located at: 212E Simpson St. Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 11/01/2006 $992 ~ 12/01/2006 01/01/2007 $992.86 $992.86 Other charges (explain itemize): Uncollected Late Charges $142.63 Uncollected Fees: $0 ~ Less Credits $0.00 TOTAL AMOUNT PAST DUE: $3121.21; B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO C RE THE nFFetII.T -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYWG THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3121.21;, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. navment moat be m d P;+her by ash cashier's the k ca*+ified check. or money order made payabl and cPn+ +n• Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF Yo[7 DO NOT CURT THE DFFA[TLT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, +hP lender intends to exercise its righ c o a 1 rat h mor Yage debt This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. *IF THE MORT ,A .. C FOR .OC D UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. if ynu o~~rP the default within the THIRTY (~Ol DAY period. you will not be required to ~y attorney's fees OTH .R ..ND .R R .M .DI .c -The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 9t ~ i ~' i~ RIGHT TO CURF. THE DFFA 1 T PRIOR TO H RIFF'C $~,~ - If you have not cured the default within the THIRTY (30) DAY and foreclosure proceedings have begun, yoL may still have the right to care hr drfa ~It and prevent the sale ar an., f;,,,a ,,., .,, ~„< EARLIEST PO. SIB .. cHF.RIFF'c cA DAT - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER• Name of Lender: Address: Phone Number: Fax Number: Contact Person: Email Address: Washington Mutual Bank 7255 Baymeadows Way Jacksonville, FL 32256 866-926-8937 904281-3914 Collection Department www.wamuhomeloan .con FFFRCTS OF cHERIFF cA • -You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTC A[' -You may or ~( may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale, and that the other requirements of the mortgage are satisfied. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 the lender and by performing any other requir m n s end r h mo ga„g, Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. ~. Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company v. Eric G. Fritz and Maureen A. Fritz VERIFICATION The undersigned is Assistant Vice President of Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Washington Mutual Bank on behalf of Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company Date: _ M,crc 11 5 ; a.OD~ C~t~C.LL Name: ~. Title: :~~ Company. ~ P~~ ~~.~ ~ ~y Loan: 8458838367 07-28981 ~ / ~ l ~ ~ ~ ^^ l.!' ~ ~ (~ V r'> `_ --~ -n r,~ ~~ i -_ r ;^ ~_~ _.,ca ~, -n , ;: - ~ , :.`,y cry `~ ~ si c..+i ~:7 c -, =-c I ~ ~. SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28981 Washington Mutual Bank f/k/a Washington Mutual Bank, FA, successor to North American Mortgage Company PLAINTIFF VS. Eric G. Fritz and Maureen A. Fritz DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1342 CNIL TERM PRAECIPE TO SETTLE. DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & KREISMAN, LLC BY: _ _ Ilana Zion, Es i e Attorney for Plaintiff DATED: L'-" ~ ~' (~ 4 ~ ~ CERTIFICATE OF SERVICE I, Ilana Zion, Esquire, hereby certify that on ~" ~ -L4-U~ I served a true and correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Eric G. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 Maureen A. Fritz 212 East Simpson Street Mechanicsburg, PA 17055 SHAPIlZO & KREISMAN, LLC BY: GrY1 Ilana Zion, Esquire Attorney for Plainti C? ~ ri ..rte ~-!.4," ~ _. +. r`1°' - ~ ~'i ' f -~ ^}y ~ ~ •^~. ../ SHERIFF'S RETURN - REGULAR LASE N0: 2007-01342 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS FRITZ ERIC G ET AL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon FRITZ ERIC G the DEFENDANT at 1815:00 HOURS, on the 14th day of March 2007 at 212 EAST SIMPSON STREET MECHANICSBURG, PA 17055 by handing to MAUREEN A FRITZ, ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 ~~ Service 9.60 ~ ~ Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 ~ 3~ 03/15/2007 D1~ SHAPIRO & KREISMAN Sworn and Subscibed to ~'$~ By: .---~' before me this day puty S riff of A.D. SHERIFF'S RETURN - REGULAR SASE NO: 2007-01342 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS FRITZ ERIC G ET AL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon FRITZ MAUREEN A the DEFENDANT at 1815:00 HOURS, on the 14th day of March 2007 at 212 EAST SIMPSON STREET MECHANICSBURG, PA 17055 MAUREEN A FRITZ by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 6.00 Service .00 ~~ ._.P Affidavit .00 Surcharge 10.00 R. Thomas Kline _ 00 1 0 03/15/2007 D~ SHAPIRO & KREISMAN Sworn and Subscibed to 3la$(p1 By: ~--~ before me this day I De ty Sher' f of A.D. SHERIFF'S RETURN - NOT FOUND ~ "L*ASE NO: 2007-01342 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK ET AL VS FRITZ ERIC G ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND as to the within named DEFENDANT OCCUPANT 212 EAST SIMPSON STREET MECHANICSBURG, PA 17055 THERE WERE NOT OTHER OCCUPANTS. Sheriff's Costs: So answers: Docketing 6.00 Service .00 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumb land County .00 21.OOp~ SHAPIRO & KREISMAN 3~~`~ 03/15/2007 Sworn and Subscribed to before me this day of , A.D.