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Home My WebLink About98-06865 ~ i- . .... ~ ~ )-.. ~ t { ~ ~ t'- ~ \, ~ ~ ~ ~ I 1 ~ \~ I- I '.~ i~ i i~ I~ IX> ~ .. ~i I i i IN TI IE COIlIU' (IF COMMON pl.h\S OF ('( IMIlERI.ANIl ('( IIINI y,l'ENNSYI.V ANIA IMC !\101{'niA(iE t'lJ~lI'ANY. ('IVII. DIVISION NO.: ft - o i(j, r (t~t:~/ Plaintin: \'S, TYPE OF pLEAIlIN( i IlRY AN L. SMITH CIVIL ACTION - COMPLAINT IN MORTGAGE FOIU:CLOSUIU:. Defendanl. FILED ON BEliALI' OF PLAINTIFF: lMC Mortgage Company 'Il) UEFENUANT YUII me hL'rchy I\oliliclllu ptcaJ '0 ,he ENCl.OSED CO~lI'l.AINT WIlIIIN TlI'I'NIX (21 ) Di\ YS FROM SERVICE IIERI'OF /< ,,;' j... 'of' AnORNEYS ri R j'I./\INTU.'F COUNSEL OF RECORD FOR TlIlS PARTY: Kimberly J, I long. ES111lire Pa. I.D. #74950 IIII:I<EII\' <.:1:10[1''1' TlIAT 'tilE AIlIlRI':SS OF TilE I'LAINTIFF IS ~,)lI\ [;l~t Fm\lcr A\'CllllC Tml1pa,n"rtl!aJ)1J17.:!](,2 Michael C. Eisell, Esquire Pa, I. D. #74523 AND TilE DE!'ENIMNTs IS' .l(,JOhISl;llcR,1. (i":'71'1\17.'2.1 -U'lt. ATWRNEYS ; GRENEN & BlRSIC, P.c. One Gateway Center, Nine West Pittsburgh, P A 15222 (412) 281-7650 CERTIFICATE OF 1.0CATION 'l'EIlEIlY CERTIFY TIIM TilE I.llCATION OF TilE REAl. EST/\TE AFFECTED BY TillS LIEN IS South t\lidd1clnwll TllWllshin (CITY. BORO, TOWNSIIIP (WARD) J<r.'d '~'?:V'~ AI n RNEYS F<. 1'1. INTIFF IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION IMC r~ORTGAGE COMPANY, Plaintif f, NO, : vs, BRYAN L, SMITH Defendant. NOTICE TO DEFEND You have been sued in court, If you wish to defend against the claim 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 SHOULD 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Ave. Carlisle, PA 17013 (717) 240-6200 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION IMC MORTGAGS COMPANY, Plaintiff, NO,: Y J - (" J <- j~ f.!.l<'<.J; 'j;~.v.-- vs, BRYAN L, SMITH Defendant. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE IMC Mortgage Company, by its attorneys, Grenen & Birsic, P,C., files this Complaint in Mortgage Foreclosure as follows: 1, The plaintiff is IMC Mortgage Company, Successor by merger to Industry Mortgage Company L,P., which has its principal place of business at 5901 East Fowler Avenue, Tampa, Florida 33617- 2362. 2. The Defendant is Bryan L, Smith, whose last known address is 463 Old State Rd., Gardners, PA 17324. 3. On or about March 14, 1998, Defendant executed an Adjustable Rate Note, (Hereinafter "Note"), in favor of Alternative Lending Mortgage Corp" (Hereinafter "Alternative"), in the original principal amount of $35,000,00, A true and correct copy of said Note is marked Exhibit "A", attached hereto and made a part hereof, 4. On or about March 14, 1998, as security for payment of the aforesaid Note, Defendant made, executed and delivered to Alternative a Mortgage in the original principal amount of $35,000,00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on April 1, 1998 in Mortgage Book Volume 1442, Page 777, A true and correct copy of said Mortqagc containing a description of the premises subject to naid MCll"tgilge in mark(~d Exhibit liB II , attached hereto and made a part hereof, 5. All interest and title was assigned to Plaintiff pursuant to the terms of a certain Assignment of Mortgage, 6, Defendant is the record and real owner of the af0resaid mortgaged premises. 7, Defendant is in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest on said Note when due, Defendant is due for the April 21, 1998 payment, 8, On or about September 22, 1998, Defendant was mailed Notice of Homeowner's Emergency Mortgage Assistance Act of 1983, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983, A true and correct copy of said Notice is marked Exhibit "C", attached hereto and made a part hereof. 9. On or about September 22, 1998, Defendant was mailed Notice of Intention to Foreclose Mortgage in compliance with Act 6 of 1974, 41 P,S. 5101, et seq. A true and correct copy of said Notice is marked Exhibit "D", attached hereto and made a part hereof, 10. The amount due and owing Plaintiff is as follows: Principal Late Charges to 8/27/98 Interest to 8/27/98 Title Search, Foreclosure And Execution costs Attorneys' fees TOTAL $ 35,000.00 $ 67.86 $ 2,340,48 $ 1,500,00 $ 9 OJL..QQ $ 39,808.34 .' fl ,\ r' ~ " !i rr , t' , L, ~; /;~ '; r--" f,; I ,j EXHIBIT "A" ~ · ADJUSTABLE RATE NOll.RLon~N ;~;"';.it)~ ILlBOR lnd... Ro, C'PJ) U )'" .,~' THIS NOT! COr-rrAlNS pnOVlSIONSALLOWfNG FOR CHANGES, tR Rnn; ANn...v MON'flQ,V I'AYM~NT. 'I'IUSNOTE LI",OTSTKE AMOUNTMY' INTEREsrRAn: c...~ ClfANGt:.\ r "". ONE TIME ANDTllEMAXIM1JM RATE I MlJSTPAV. ".,(~ I', 1998 (DIll) HAUIS8UIG (CIt)') .. IS""I 4SJ GlO Sfl1[ ao 'AAO~(.~,'. I'll' (Ptopc"" "'cfdfUJ) I, 80RllOWl!R'S PROMISE TO PAV In retum fOt . I0ll1lh11 I have rceeJYCd.1 promJse 10 PlY U.S. I J S , 000 00 (this &tl'10unl II ulltd .Prlnclpal-), fhU Inter"l. 10 tho order of che Lender. The Lender i, ALtER"_ rVE LENDING HORTGAG[ CORP. I undmtand chit tbe Lender may lranster this Note. The Lend., or lIlyone who lue.lhis Norc by trlll,rer and ....het II entitled 10 rceclllo p'lmenls under chis NOle II called the "Note Holder," %, lNl'ER!ST InterCJ,wlllbo chuled on unpald principal unlll the full amountOfprtneJpaJ hubecn paJd. I will ply-Inte,etllll )'UlI)' rale or IS. J S 0 0 ,... The Inlelcn n.te I will PlY may Change In ICCord&ll" with Seelio"" 01 this NOle. The Intere.1I rltc required by thil Section 2 and Section 4 orthll Note Is the tale I WIll PlY bOlh before and dler &1\)' de'luh dueribed In Secdon 1(9) 01 thlJ NOle. I J, PA YMEHI'S IA) 11me Ind Place or Payments .. I will pi)' prineipaJ and inleresl by maleinl paymenll evel")' month. ' I will mlkc my monthly payment! on t.hc 111 e II da)' or each month beelMlnl on A 0 , I I 1'0 :. II I ,",'III mU:c these payments cyel")' month until I hlvc paid all or ~e principaJ and inltl'cll and lily o\.her char,cs deSCribed below thai I nay owe under this Note. My monthly paymentl will be applied 10 InlCrcst before principal. If. on ". r C 11 111 , 2 D 28 . I Sllll OWc tmcunts under this Note. I will $II)' \.hose lInOunlS in ""11 on lhal dIll:'. which II called lhe eMlturll)' D.te.. , will makerny monlhly paymcnu It 305 STH 5TII((T. lA' CITv ~I ',JOII or al . dlfferenl place if required by the Note Holder. (0) Amount or M)' InJUot MonlhJ)' Paymecu 24 C11J"tlU 10/11111)' cr S 4~ 3' Df9INII"9 Acrt I :9 19' Eaeh of my Initial mcnthlypsyments will be In the amount 0(U,S.335 Ol)thltlU renel\I, of 1 483.16 Of91Ml"9.&or,1 19 101 IDf~ntC'1 SI0,SJdll.on"'4rc" 19 202B Ic) Moathly Payment ChADg.;:l .. ChlftlU in my monthly payment will rencel changes In thc unpaid principal of my loan ItId In the if1(Uellllle thll I must PlY. The NOIC Holder wlll determine my new Interest ratc and the chlll,ed amQunl 01 my monlhly paymenl in aeeorclancc with SeeliOll4 orlhis Note. 4. INTEREST RATE AND MONTHLY PAYMI!HI'CHANGES eA) Chlnles Dales ' The Inlerennte' will pay mlY chanac on the 19th dayor Klre" 2000 . and on Um clay every 3ixlh monlh thereafter. Each dale which my intercst rale could chl1lJ~ is called ~ .Chlllge Dale.. (8) Th,lnd... SealMlng with thc (int Chansc Oace. my intercsl rale will be based on anlndclt. The *rnde1l4 IS Ihe aveu,e 01 inlerbank orrered rltc.s for sb;.monlh U.S. dollar.denominaled deposits in the London market (.LIBORot. as published In The Wall SUCCi Journal. The mon rCGcnllndclt figure available a.s of the first business dlY Orthe month immedialcly precedin~ the month In which tile Change Date occurs is called the .Cunenl Index.. It the Index Is no loncer lvallable, the Note Holder will chose I new Index Ihalls based upon comparable lnrormallon. The NOle Holder wllJ give me nallce 0' this choice. ee) Calculation or Cb.1onccs Before cach Change Dale, the Nate Holder will ealculatc my new Interest rate by adding Ten and Fo.yr I Fifths percenugepoln13(s)( 10,BOOO%)tothcCurrent Index. The NOlc Holder will thcn round the result o( this addilion to the near~ one.elghth of one pcrc~13ge point (O.12.5~). Subject 10 the limits Silted In Scc:tIon 4(0) below,lhis rounded atTl(lunl will be my new interc.sl rale unlillhe nexl Change Date. MULnSTATE ADJU,ST....BLe: RAn NOTE-Lmoa INOeJC.stnC1c Fal'lli1Y.Flcddlc Ma~ Unifonn InscnuMnl IoOJ....UHQTE"'UAYNIHTPlllIoLTy hgclor) FlIImWXI'Il)~ 1.'1; ~.~f1JUflsnll\"'\lIUl"C., . \ 'l-i I €>'3t{; I " . ., LO.... N NOH., JD lilt The Note Holdet wllllhcn delermlne the &mOUnl o('"e monthly pa)'menllh'l would be sufnClcnllo repl)' me unpaid principal WI I am expecled 10 owe allhe Chance Dale In f\l1I on 1M Marurll)' Dale II my new l"IClutUlt in J\lbJI&nlll1ly equal payment', The ruull of lhil cah:ulllion will be llIe new amount of my monthly paymcnl. (0) LlmlCs on lntcresl Rile Chinle! The Intemt nile I am requited to pay II the !in! Change Oall:: will not ~e CfCller lhan I a J S 0 0 'or 1m than 1 S, 3: $ 0 0 ~. Thc,eaf'ler, my lnler~ll'llc\liill never be Increased ordecrcued on 111)' Iln:lc Chance Dale by more than one percent.,c poinl (I.O") trom the ute of lnterut I hive been payl", tor \he precedin, lill. monlM. My InlcfCl1ulewillncnrbe,rcmrthlfl 11 JSaC ~,o,lmlhm IS, 'SOO "'. (It) ErrcclLYI Date or CliniCS My MW I"temt nle will become dt"tivc on each Chanle Olle. I will pi)' the &mouN. or my new rnamhly paymenl bc,lnnllll on Ule fin1 monthly paymcCll dale after Ihe Chanle Dale unlllltle amounl or my monthly paymenl chIllICl'aa1a. (F) Notice or Cbaale.t The Note Holder will deliver or mall 10 me I DOttce or any chanlCS In my Intemt rale and the amount or my monlbly payment before the effective dlle of any dallle, The noliec will intlude IntoRnatlon required by law 10 be liven me and also the tllle and telephone numbetor a penon who wUl wwer any question I may have re:udlnc Ihe notice. 5, BORROWER'S RIGHT TO PREPAY r h.ve the rlcht 10 malce paymcou o(prlnclpJJ It any time before me)' &l'e due. A paymcnl o( principal only Is known u a .prepaymenl,. When I make a prepaym~nl.1 will lellIhe NOl.e H~der In wriun, mat I am dolnllo. If I mako. prepayment within Ole nn! twelve (12) months .fter Ihe dale orlhl. NOle. 1 will be,requlrcd 10 pay a prepaymenl pcnalty,cqulJ to 2 . r 0 p. r c." t (0, 0 S l orme amount I prepay. Ir I make a prepaymenl durin. Ole Ihlneenth (13th) lhrou&h the thlrty.siAth (36th) month after tho date on chi. Note, I will be requi~ 10 pay a pnp.ymcm penally equal to Z . r 0 p, r c." t I 0 . 0 S ) or the amount I prep.y. I will tlOt be required 10 pay any prepayment penalty thtny..ix menw after the dale ofmis note, Without fe,ard to the forelOlnl:.1 will not be rl~v',:d 10 pay.any prep.ymenl pell~ty ~t any lime If (I) ch~ $guru of fund. uled Co mUl. prep.ymenl wu a rennJAclnc by the Lender or an arnnale or the under. or (ii) on thedatc bereor. my 10lal monthly debl. (including amounu owed under this NOle) exceed 50 pmenl or my monthly ,rou Income. based on my signed financial IUlemc:zlI, I credit repon and payment records ror employment Income. The NOle Holder will use an of my prep.ymcn" 10 r~u" the amount of principal that (owe under thl. NOle. If 1 make I panl&! prepayment. there .....lll be no chan;u in tl'Ie due d.les ormy monthly p'ymcnts uNeu the NOle Holder aarees In wrllln, to those chanscs. My panlll prepaymenl may reduce the 1l'I\0unt of my monthly paymenu after the nrs. Cbansc Dale followin. my panial prepayment. However. any reduction due 10 my pU1IJJ prepayment may be offset by an Inlerest tlte increase, 6, LOAN CHARGES Ir II.w, which appllC$ to this toan Itld which set. m.a.xlmum loan charlct.ls Onally Inlerpreled so Ih.1 me Inlerest or other 1030 charles colleeled or to be collected [n conneclion with thlllo," exceed the pennlttcd limits, then: (i) In)' such loan chugc &bill be- reduced by the amoUtllllecesSU)' 10 reduce the charge to the pennlucd llmil: and (ii) any IUnu: already collected (rom me which exceeded pennJucd Umlls will be refunded 10 me, The Note Holder may eho,e to make ibis relund by reducln& the principal I ollie under this NOle or mY'makin, I dle"t payment 10 me. Ita refund reduces prinelpal, the ttduclion will be treated as. putiaI prepaymenl. 7, BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Cbaraes ror Overduo Paymetl!.s It the Nole Holder has not reecivtd the 1\111 amount of any monthly pl)'menl by the end of I ~ calendar da)'s aflerthe dlle It ladue, I will pay alate charlie 10 me Note Holder. The amount orthcehuge will be !>. 0000 S o(my overdue payment orprlncipa!.tnd Interest. I will pay this laIC charge ptomptly bul only once on elch laic p.yment. (D) Derault If I do not pay tile lull amount of each monlhly payment on the dale It Is due. I will be in defaull. . (C) No(l~ of Ot/ault J( 1 am In detaull, the NOIll Holder may send me a wrlUen nOllce IdUna me that If I do nol pay the overdue amount by a ccrtain date, the NOle Holder ImY require me 10 pay InvnedialCl)' me full amount or prlncipaJ which has nOI b~n paid and alllhe mteresl that I owe on thallmOunl. The date must be at lell.S130 dlYs after Ihe dale on which Ihe notice IS delivered or malled 10 me. (0) No Waiver by Note Holder 'Even 1(. It. Umcwhen I am In defaull, the Note Holder does not require me 10 pi)' Immedlalely In full as described .bove, the NOte Holder wilt JliII have the ngbl to do so I( I am In default al . laler lime. (E) Paymeut OrNOle Holder', Cosu aDd ~enJes It !he Note Holder bas required me to pay Immedlalely In full as described .bove. the Note Holder will have lhc right to be paid back by me ror aU or iu cosu and expenses In entorclns this NOle 10 the eXlent not prohlbllcd by applicable law. Thole expenses Include, ror example. reasonable ,Iltomeys' feu. ' 8, GIVING OF NOTICES , Unless IppllC3ble law require" a different method, any noticc thai must be gi.}en 10 me under this Note will be slven by deUverlng It or by mailln&:, It by nrst class ftl3Jlto me at the Property Addre.u above or at . differenl tddreu if I give the Notc HolcSer 1 nodce or my dltferent add.rC$l. Any nollce that must be given to the NOle Holder under this NOle will be slven b)' mailing II by tirsl cJw mall 10 Ihe NOle HolcSet al the Iddrw ~tated In Section 3{A) above or all dlfferenl addtcss It I am given a nOlice of Ihal dlrferent address. 9, OBLIGATIONS OF PERSONS UNDER THIS NOTE Ir more than one person signs this NOle, e.ac:h penon Is fullY:lnd personally obllglled to keep all of Ihe promise.s made in till. NOle, Includln, the ptom1se 10 pay \he cun amounl owed, A"y person who is I guaranlor. surely or endorser otthl. NOle is also obliglled 10 do \heso thlnes. Any person who u.lce.s over tIlese obllglllons, Including Ihe obllga.lions of. gUUIIlIClI'. ~\lrcty Ot endorser of ibis Note, Is also obllSa(ed 10 keep aJl otllle promlses made In lhi, NOle. The Note Holder ma)' enrorce tu: rl;hu under tl'Ils NOle agaInst each person individually or against aJl of us logetller. This means thal anyone of us may be required 10 pay all oflhe amounu: owed under this NOle. "'~ltATlHOTl'tU"''''''lM''fHALTY..stc:lI holt:or] P'orm3S901/91. THIS IS /to SECTtOt4 n FORM L'O toI,llOOllJ<lOTLP:I: . e e> I, t LOAN NOlO 10 J 0 . . I 10, WAIVERS I M4 11I1 other pinon who hu cbU,al., nlllndc, this Not, wa;.... the rl,hll of pm,nl/l'ltAt lAd ftOllu of dll"ooor. -PrcltftlmCn.. mean.lbc ripl to requite the NOI. HoICk,'o demand paymenl of In'lOUftll dill. .NOllce of dllftonot- mew tM "VU 10 tequlr.lIle Noee Holder 10 CIY, noth~c 10 other penon. th.IIIflOlmU 411' h'llt not bee" ,ald, II, UNIFORM SECURED NOTE This NOlI II . unifonn InlUumcnl wilh llmlled vitiations in lome jurbdl"iClnJ, In addilion 10 !he plot.c:HOM Jlven 10 tbc NOI' HollScr under Um NOle. . Mon,llc. Deed of TNIl Ot Security Deed (1.!IC .Secu,lry tnltl'\lmcnn. dated the WN dale u !hI, NOle, prOlect. till: NOle Holdu from poulbl.louu which mleJu result If I do not keep the pro",,,.. !.bill make In lhb Note. The Sc:urlty Imuumuu dmrtba bow an4 under w:W l;OadltlolU I Ny be ftQloIiud to mAke unmcdiale pl)'meAlln MI of a1llt1'lOUAu I owe under Ibi, Note. Some of those conditions are dcwlbcd u loll OW,: TraNter or Ibe Propm1 or I BUlel1dllltIlUes1ID Bonowcr. U aU or any pll1 of Iht Propen)' or lAY lnternllo it II lold or uwtmcd (or It a bencdelaJ lmerclllA 8olTOwlf It aollS or Irwturcd &lid Bono-., ia noc a naluraJ penon) wllboul Lender', prior Wrilllft ~MCQI, Lcoder NY. al ils oplioa, require lmmcdlatc payno.tl\llo MI of III S\UN seeured by mis Security IruU\lmenl. However, tbb oplloo t1laU coc be exercised by Lender it CJlerdt.11 pruhibiled by rcdcra1law u or th. dice or mil Security hUlrwneOl, Leader also Ihan noi uercisc mil oplloo If: (a) Borrower cawu 10 be subm;ltCd \0 Lender loto"",,1Ioo req\llred by Lender IQ cnlu1e the IDu:nded uwfercc II Ifa new 10m were beiDI made 10 \he lfansferee: and (b) Lender reasonably delerm.il\es thaI LeDder's security wilt nOI be impairc:i by th: loan usumplion and thai the rilk 01 .. breACb 01 any con'tenmI or allecmen1 in thil Sec:urilylnJ1Nmcnl i,acceptable 10 Lender. To the utern penn1ued by applicable law, Lender may chuec a rwonable (ee u a condition 10 Len4er's ~ftlenc 10 the 10&11 usumplion, Lender may also require lbe trllureree to siln an "Jlumplion I"cernrnllhal is acuplable to Lender &nd thai cblilUes Ibe Irw(me to Utp all the promises and I&reemenlt made in Itle NOli Illd in ibis Security In3lt\lmelU. Borrower will canlin\le to be obll':lle1 under thc Note IlId SccurllY fnllrumcnl unlcss Lendel "Icues Borrower In wrltin.. It Lender eJleerclseSlhc opllon to rC<Julre Irrvnedlate paymcnllo full, Lender Ihal1llvc 8olTOwer nolle; of accelention. The nollee shall provide I penod of nollclI than 30 dlYs from the dlle the nolice is delivcn:d 0' mailed within whicb Borrower muSI pay aU sunu securecl by this S4:eurily In.suvmenl. It Borro....er (alia Co PlY Ihcae sum, prior to the uplnllon It this period, Lender NY invoice any remedies pemUlled by this SecurllY Iflluumenl whhoutl'unhcr OOIiee or demand On Bonower. WITNESS THE HAND(S) AND SEALlSl OP THE UNDERSIGNED. ,':::~t1 {$;;"'\:-SK~li J~ ISIIII .BolfvlIII'r (San .SGmlWft IS,," ,Bormwer ," (Sign O"g'nal Only) WITHOUT RECOURSE, PAY TO THE ORDER OP, this 14th dayof Karch 1990 T1V( LEHDIHG MORTGAGe CORP. o. , A$st, hS"or] P'arIl'l35907/9.1 I.FG H-"DllAU,..orli....wTI\IN'.) , . . . (;lllllled True and Carre" fV7 Copy ot the Original l, ';)r ADIUSTABLE RATE RIDER LOAN NO, IHOJOUa IUBOR 1ad...R.. CIl") nus ADJUSTABLE RAm RIDER. lJ madt &hi. t.. t" dJ}' of "'. ,. c" 199. IIllI billcorponud llIlAlllllllIuIl "_to"""'" 1IllI_I--'lhc Mona,,', Deed ofTruat or Sc<ori'y Deed (&he .Security WUumml-) or &he ..me dae elms by me undcnllftCd (the -Borrower-) to Im1R Bonowcr'. AdJusuble RateNote(lbc-Hote')&o "'\.1[II:II"TI1'I UNOI":; "01IG4:;ICO." (U1e .Lc:Ddcr-)ofth. ..me dal. aDd coveriD& the propmy describtd U11hc Smlru)' Inslrummt and lowed al: 463 OLD sr.,! RO.GAADNtRS.PA 17324 ~ptftJA4d'm) TIlENOTB CONTAINS PIl0V\SlONS ALLOWING FOR CIIANGES IN TIlE 00EIlESl RATE AND TIlE MOr.7IlLY PAYMENT. TIlE NOTE LIMITS THE AMO\JNTlllE BORROWER'S Il'n'EIIEST RATE CAN CHANGE AT ANY ONE rolE AND TIlE MAXIMUM RATE TIlE BORROWERMVSTPAY. ADDmONAL COVENANI'SlD Iddidon 10 the eoftVelWJ L'Id 'lfecmenll made in !he Security lnscnuneaf, Borrower IlId Lender funut (M~ &lid ift".u {ollow.: A.1NTE1lESI' RATE AND MONl1ILY PAYME.'" CIlANGES The Note provides for aD Inltlallntaest me of l!t, J 5 a 0 II, The NOle Provides (or dwlce.1n lbc lnteresl rate and the monthly plynau, as foUow..: 4, INl'EIlEST IlATE AND MONTHLY PAYMENI' CHA..'1GI!S (A) CbaD." DalCI 'Ibcbtcmnle'Iwl1lpa)'auycbaaaconthe 19th cb)'of H.rctl 2000 ,and on !.hat day every sixth month tbera.Acr. Each date 00 wb1tb my inlettsl rale could change is called I -Chmge Date.. (B) Th.IDd", Be&innlDe wilh the flrstCbange Dale, my inttrt$l rate wiU be b>>cd 10 an Index. The -Inda- is the averlge or iDterblDk offered rates foc sil.moDth U,S, doUu<<nominaulcd dtpOsils in the LoDdon nwtec. (-UBOR 1. as publlshfd in the lbc Wall Street Journal. The roosc recent (ndex ngu~ available u of the tint bwincss d.ay of the month lmmedialely prctCCdlng the month in wblc:b Ibe Cbanle Da!e cxaln Is called the ~Current Illdex.- If the Index is no 10DgCT available. the Note Holdct will cboosc a new Index that i.s b:l.\Cd upon comparable lnf'OrmatJOD. The Note Holder wUlalve me notice or Ibis choice. (C) CaJculadOD ot Chances ' Before eacb Clance Dlle. the Note Holder will caJc:u.I:uc my new Interest rate by adding Ten olInd Four' Fifths pertenUlgepoint(l)( 10. BOo5)lolheCUrrcn(ndel. ThcNole Holder willlhcn round lherauh orthls addition 10 !be nearest one-eighth efoDe percentage point (O.I25S). Subjea to the limits stated in SccliOD4(O) below. this rounded amount will be my new imerest rate until the next Change Date. The Nole Holderwlll then determine the amount of the monthly ~ymmt tIlal would be sufficient to l'qI"y the unpaid princlpal1hat I am expected to owe at the Change Date in full on the Maturity Date at my new inlerest rale in substantially equal pa)'InCZlla. The result of chis ca1cul.ulon will be the new amount of my monthly paymenl. CD) Llmlta OD lDlerc:sl Rite Cbu&eJ 1'be 1nterest rate I am required 10 p.y aI the finl Chan&c Dalc will DOC be greater th3fl I 8 , 35 0 0 ,; or less than 15.3500 ". Thereafter. my ltlteresll'3lewill never be increased or decreased on any slope Chalice Dale by more thao. one pera:nta;epoint (I.O~) from the rale oflnterac I ha.,.e been paying (or the pr~eding six months. My inlcrcstralewilllleverbeatelterlhan 22.3500 ".orlC$Sthan 15.3500 %. (E) Enect.ln Date or CIwlges My new interest rate will become effective 00 each Change Dale, I will pay the amount of my DeW monthly ~:yment b~DDln: 01\ the finr: monthly paymeDl dale after the Change Date unlil the IlD'IOUnl army monthly p..ymenl clwIgcs agaUl. MULnsTATE ADJUSTABLE RATS RlDER.LmOR tNDEX--$In&le PamIly.FHLMC Unilonn tNtNtnI:I'lI Pam 3192.71!n c:oo: ",LDt>>.AllMNI1lJM6.J'l' PJge I of1 LI'O, H....D.I....TUIDlUW'rH " ,.' ., . . . Parcel Number: Certified True and Correct ISp.tce Abo"t Tb1s Llne For R<<ordIa& Oil') AP# OI-SMITH.B 029B LN# BD8030488 fool) \,i, MORTGAGE 11iIS MORTGAGE ('Security Instrwr..nt') is given on BRYAN L, SMITH, a single man March 14. 199B , The mortgagor Is ('Borrower"). This Security InstNment Is given to ALTERNATIVE LENDING MORTGAGE CORP, which Is organized and existing under the laws of THE STATE OF FLOR lOA , and whose addrcssls 2229 PAXTON CHURCH ROAD. HARRISBURG, PA 17110 ("Lender'), Borrower owes Lender Ihe principal sum of Thirty Five Thousand and no/100 Dollars (U.S. $ 35,000,00 ). This debt is evidenced by Borrower's nOle dated the same date as this Security InstNmenl ("Nole"), which provides for monthly paymenls, with the full debt, ifnot paid e",lier, due and payable on March 19, 2028 This Security Insuument secures to Lender: (aj the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all olher sums. with interest, advanced under p",agraph 7 to protect the secunty at this Secunty lnsUUmenl; and (c) the pertonnaacc of Borrower's tovcnanLs and agreements under Ibis Scturity Josuument and the Note, For this purpose. Borrower docs hereby mongage, grnntllDd convey to Lender the following described propeny located in CUMBERLAND COUDty, Pennsylvania: THE LAND REFERRED TO IS LOCATED IN THE COUNTY OF CUMBERlAND. COMMONWEALTH OF PENNSYLVANIA AND IS DESCRIBED AS FOLLOWS: SEE ATTACHED LEGAL: COMMONLY KNOWN AS: 463 OLD STATE ROAD TAX 10# 40-37"2545-007 whichbasthcaddressDf 463 OLD STATE RD, GARONERS Pellllsylvania 17324 IZip Cod,) ("Property Address"); PENNSYLVANIA-Slnglll Family.FNMA/FHLMC .- UNiFORM iNSTRUMENT Fo'm 3039 9/90 ~ .BR(PA) 194101,03 Amended 5/91 Pili- foIl MW lM4.OJ 11'lI11",: /ZL < \IMP MORTGAGE 'OIlMS. (8001621.'291 . IStn:cl. elly). 111111~1I11111111l1111111111111~ . , TOGETHER WITH all L'" lr:lp.menlS now or her<3fler ereelcd on Ihe prope'and ill <;ase"l<nto, appuneaanm, a"d Olru",. now or hereaner I part of lI1e propeny, All repl3Cemenu and O<:dilions shall also be covered by I~II Securuy InsuulllClll, All of lI1c forecotns Is referred fa in lI1is Securily Insuul1ltlll as Ihe 'Propeny,' BORROWER COVENANTS WI Borrower is l.wfully seised of lI1e os:.le hereby conveyed and has Ih. righ..o monc.c., SI'&IlIIlld convey Ill. PropeRy ~ lI1al the Propeny Is unencumbered. .'UPI for eocumbrances of record, Borrow.r w.nanll ~ will defCDd senerally 111. liU. lO the Prop.ny .g.lnSl oJl c13ims and denur,ds, subjecllO any encumbrances of record. THIS SECURITY INSTRUMENT combines unifonn covenanlS for n"ionol us. ..d nnn,uOlfonn ClIven..ls will1 limiled vulllloDS by jurisdlcdon 10 conslilule. unifonn secunly instrument coverlOC reo) properlY, UNIFORM COVENANTS, Borrower ..d Lendcr ClIveo,,"1 and .gr." (IS follows: I, Poymenl of Prindpolllnd Inleresl: Prepoyment and LaIc Charges, Borrower shall promplly p,y when doe the principal of and IlIler.st on Ih. dehl evidonced by Ihe NOle .nd any prep.yment and 1.le ch,rges due underlhe NOle, %. Funds for Taxes and InsurllDce. Subject 10 .pplic.ble low or 10 , writlen waiver by Lender, Burrow.r shall p'y 10 Lender on the day monll1ly paymenlS ore doe under the NOle. ontilthe No:e il paid in full, a sum f"Funds") for: (a) ye..ly la.es and or....menlS which may atlaln priority over Ihi, Securily hulrumen. .s . lien on th. PropenYl (b) yeorty I.....hold p.ymenlS or around "'nlS on Ille PrnperlY, if ..y; (e) ye.'Il'ly h=d or propeny insurance premioms: (d) yearly llood insuronc. premioms, if any: (e) yearly monsage insurance premIUm., if any: and (0 any soms pay.ble by Borrower 10 Lender, in .ccordance wilh Ihe provisions or parAgraph 8. in lieu or Ihe: payment of mengagc huurlrKC premiu:m, ThC$C: items arc c.JJled "E.,crow Items," Lender may, II any time, collect and hold Fonds in an amoont nOllo e..oed the m:uimum illI10unl . lender for a federolly related mongage loan may require for Borrower's escrow .CCOOOl onder the federal Reol Est..e Selllement Procedores Act of 1974 U IlllCllded from lime to lime, 12 U,S,C, Scotian 2601 tI Stq, ("RESPA "), unl..s anolher law thai .pplies 10 Ih. Funds SelS a lesser 3lI\Ounl, If so, Lender =y, .t any lime, collecl and hald Fonds in .. llI1lOOnl nol 10 ...ced the lesser ill!lOUOI, Lender may estlmat. the amounl of Funds due aD the bllSis of current da.. and r.uonable estilTl3tes of ..pcndilores of fulore Escrow hems or otherwile in ..cordance willl .ppllcable law, The Funds sholl be held In an Institution whose deposits Ole insured by . froem! agency. instrumcntality, or entity (including Lender, if Lender is such an inslilulion) or in any Federol Home Loan Bank. Lender shall apply Ihe Funds to pay Ihe Eserow Ilems, Lender may not charge Borrower for holding and .pplying the Funds, 3/Ulually analyzing the escrow aeeoonl, or verifying Ibe Escrow Items, unless Lender p.ys Borrower IDterest on lb. Funds and applicable law p.nnilS Lender 10 mak. soeh a charge, However. Lender may require Borrower to pay a one.time: charge: (or an indc=pt:ndent real estate tax reporting service us.d hy Lender in conneclion willi this loan, unless ,,!,plieable law prDvides olllerwise, Unl..s an agreement is made or ,,!,plicable law requires inlerest to be paid, Leader sholl nol be required 10 p,y Borrower any inlerest or earning, on the Fonds, Borrower and LcDder may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, withoul ch3lge, an 3/UluaJ ..counling of the Fonds, showing credits and debits to the Funds and the pocposc for which e3th debit 10 the Funds was lIl3de, The Fonds Ole pledged u additionol security for all sums secured by Ihis SecurilY Inslrumenl. If Ille Funds h.,d by Lender exceed the llI1l00nls pennilled 10 be held by opplic.ble I.w, Lender sh.1I ,ccoont to Borrower for the .....s Fonds in 3CCordance with the r.quiremeDlS of 'pplie.ble I.w, If the 3I110unl of Ihe Funds held by Lender .1 any time is not sufficient to pay the Escrow hems when dUl:, lender may so notify Borrower in writing. and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency, Borrower shaJl make up the deficiency in no more th:m twelve monthly payments, at Leeder's sole discretion. Upon payment in foil of 311 surns secured by Ihis SeeurilY Instrument, Lender sh.1I promp.'Y refond 10 Borrower any Funds held by Lender, If, onder paragroph 21, Lender sholl acqoire or sell the Propeny, Lender. prior 10 the acquisilion or ..Ie of the Propcny. shall apply any Funds held by Lender at the lime of ,equisition or sol. u a credit ag.instlhe surns secored by this Seeurily Instrument. 3. Application of PoymenlS. Unless opplicable law provides olberwise, 311 payments received by Lender under p3l.graphs 1 and % sboll be .pplied: first. 10 any prepayment ehMges doe onder Ihe NOle: second, to illI10unlS p.y.ble under p.ragraph 2: third, 10 inlerest due: founh, to principal doe: and 13Sl, to ""y late eh3lges due under the Note. 4. Charges; Liens. Borrower shall pay ilIl taxes. assessments, charges, fines and imposilions attributable to the Property which may attain priority over this Security Instrument. and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in pat:lgroph 2, or if not paid in th.t m3/Uler, Borrower shall pay Ihem on lime direclly to the person owed p.ymenl, Borrower sholl promptly furnish 10 Lender all DOticeS of llI1lOonlS 10 bc paid under this pM.graph. If Borrower malces these p.ymenl' directly, Borrower shall promplly furnish to Lender receipts evidencing the payments, Borrower shall prorr.plly discharge any lien which has priority over this Security InSlmmen. unless Borrower: (.) .grees in writing 10 Ibe paymenl of lbe obligation secured by lbe lien in . manner 3CCep..blc to Lender: (h) conleslS In good failh Ihe lien by. or defends against enforcement of the lien in. legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (e) secures from the holder of the lien an agreement satisfactory 10 Lendt:r subordinaling the lien to this Seeurily Inslrumenl. If Lender delennines lb.1 ""y part of the Propeny is subjecl 10 a lion which lIl3Y anain priority over Ibis Security Instrument, lender may give Borrower a nOlice identifying the lien. Borrower shall satisfy Ihe lien or take one or more of the ..tions Sel fonh above within 10 days of Ihe giving of nolice. '.. t' I i . ;,r .\ (mr;~leR(PA) 194101,03 ,.""./'JL. <; Form 3039 9/90 P,;,2al/l . , 5. H...rd or Propert, Inlur., Ilo"ow., .holl keep Ih. imp,ovemen:s .. .xisling 0' hor.."., .recl.d nn Ih. Propen, iruured ~pJnll 101$ by 0,", haurdl included willlln :1:. I.nn -....nded cov.rog.' and any olh., hw,d., Including floods or ncoding. ro, wbic:ll under '''Guirn in.urJllC., Thi. in.u..... .holl b. mlln..,ne<J in Ih. 1Il1OunU and I,,'th. ~.nod. thaI Lender requires. Tb~ In.sUtanCC' carrie: providing the msur.uJcc shall be chosen by Borrower subJC'ct tu LemJer's ,pprovll whic:lllhall nol be ollfCllOnably wlthh.ld, II Borrow.. fatls 10 IlIalnlain coverage described ,bov., under m.y, al Lend.,', oplion, obUIn cov.,"g. 10 plllICCI Len4.r'l nj;hu .n th. P'opeMY in acco,d3nc. With paragnph 7, Alllruu,iUlcc pollclca and rentwlll .hall he ""'Pl.ble 10 Lender and shall inelud. a standard mong.g. cl.use, und.r shall hlv. the rlghllO hold lb. pollcl.s and '"r..wals. II under require., Borrow., .hall promplly give In Lend., .11 rec.'pIs or pald p,.mlums and renewal notice.>. In th. evenl or loss, Borrow., ,ball give prompt notic. to Ih. in,uranc. car,le, and t..:nd.,. Leader may male. prool or Iou II 001 awl. promptly by Borrow." Unless Leader Illd Borrower oth.....ls. agree in w,iliog. in.u,anc. proceeds shall b. appli.d 10 ''''IOllllon o,'.pai, or th. Properly damaged, ir th. mlolltion o"epai, is c:cono/Tjc:aJly r.aslbl. .:xl Lend.r's securily is nOllessened, II th. reslollllon or ~ Is DOl economlc:aJly l=slbl. or Lender's securilY would b. lessen.d. lb. insuranc. proceeds .hall b. applied 10 the .urns sccwo:d by this S.curity lrulrumcnt, whether or nol then du., with any ....ss paid to Borrower. II Borrow.r Ibandons the Propeny, or does DOl ww.r within 30 dlYs . notice rrom und.r thalth. In.uranc. carri.r h.. orrered 10 seul. a c1.im, th.n t..:ndct may collectth. in.uranc. procco:d.l, Lender may use the p,o<eeds to 'epair ur restore the Propeny n, 10 pay ,urns secured by this Security Instrum.nl. whc\.~er or nOllh.n du., Th. 30.day p.rlod will begin wh.n th. noli.. is given, Unl.ss lend.r and Borrowcr oth.rwls. agree in writing, any applicalion or pro<ee<J, 10 principal .hall not .xtend or postpOne the due dat. 01 the monthly p.yments r.r.rred 10 in paragraphs I and 2 or chang. th. amounl 01 Ih. paym.nls, II under patagroph 21 the Propeny is acquire<J by Lene.r, Borrow.,'s right 10 any insurance policies and pro<co:ds lL'Sulling rrom d&lll&ge (0 the Prop.rlY prior (0 I/u: acquisition .nail pa.. 10 Lcodcr 10 the eXCcnt 01 Ihe sums secured by Ihis Secunty In,,,.ment immedlalCly prior 10 the acquisillon. 6. OCCUPllDCY, Preservation, Malnlenance and Prntection or the Prop.rty; Borrower's Loan Application; Leaseholds. Borrower shall occupy, ell.bli..~. and use:he Prop.rly as BOrTow.r's principal re.id.nce withio sixlY days a"er Ih. execution 01 this Security IOSlrolllCllI and shall cominu. to occupy the ProperlY as Borrower's principal resid.nc. ror atleall one year nfter the dal. or occupancy, unless Lend.r oth.rwise agr... in writing, which con,cnt shall no' b. unreasonably wllllheld, or unless extenuating circumstances elist which uc beyond norrower's control, Borrower shall noC deslroy. damage or impair the Propeny, allow the Properly 10 d.lerIorate. Dr com:nil wasl. on the Propeny. Borrow.r 'hall be in d.r.ult ir any forr.iture nelion or proceeding, wheth.r civil or criminal. is begun thaI in Lend.r's good f.ith judgmenl could result in forf.itur. of th. Propenyor olberwls. mol.rially impair Ibe lien ereal.d by this SecurilY InslIUm.nl or Lender's s.curity inl.rest. Borrow.r may cure suc:b a dclaullllld reinslat., as provided in paragraph I B, by causing the aClion or proceeding to be dismissed with a roling that. in Lender's good faith determination. precludes forfeiture of the Borrower's interest in the Propeny or other materlal impairmenl 01 the lien "..led by this Seourity Instroment or Lend.r's securily inlereSl. Borrower shall also be in default ir Borrower, during th.loan application proe.ss, gave malerially false or inaccurate informalion or slalemc:nU to Lend.r (or fail.d to provide Lender with any material information) in connection with the loan evidenced by me Note. including. bur not limited to. representations concerning Borrower's occupancy of the Property as a principal residence. If Ihis Security Inslrumenl is on a leasehold, Borrower shnll comply with all the provisions at the lease. J( Borrower acquires fee litle 10 Ihe Property. the leasehold and the Ie. litie shall 001 merge unless Lender agrees 10 the m.rger in writing. 7. Protection or Lender's Rights 1D the Property. J( Borrower fails to perfonn the covenants and agreements contained in Ihls Security InSlroment, or Ih.re is a I.gal proce.ding that may significantly a(fect t..:nd.r's righls in Ih. Prop.rly (such as a proc:ceding in bankrupley, prob'le, ror condemnalion or forleilur. or to .nrore. laws or regulationsl, then l.nder may do and pay for whatever is occessary to proteelthe value or Ih. Prop.rty and Lender's righlS in Ihe Propcny, l.nder', actions may include paying any sums secured by a lien which has priorilY over this Security Insuument. appearing in court. paying reasonable anomeys' fecs and entering on th. Propcny 10 mal<. r.pairs. Althouj;h Lender may lake action und.r Ibis paragraph 7, Lender docs DOt h.v.lo do so, Any amounts disbursed by Lender under Ihls paragraph 7 shall become additional debt of Borrow.r secur.d by this Sccuricy Instrument. UnJess Borrower and Ltmder agree to other terms of paymenl, these amounts shall bear interest from the dale of disbursemenl at the NOle rale and shall b. payabl., with intere'l, upon nOlice from Lend.r 10 Borrow.r requesling payment. 8. Mortgnge Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Inslrumenl, Borrow.r shall p,y the prcrniWDS requiro:d '0 maintain the mongage insurance in .rrect, Jr, ror any r.ason, lhe morlgag. insurance coverage required by Lender lap'c, or ceases to b. in erfect, Borrower shall pay the premiums requir.d 10 obrain coverage substantially equivalent to the mortgage insurance previously in effect. at a cost substantially equivalent to the cost 10 Borrower or the mongage insurance previously in cffect. rrom an altcm'l. mongag. Insurer approv.d by t..:nd.r, Ir substandalJy equivalent mortgage insurance coverage is not available, Borrower shall pay (0 Lender each month a sum equal to oRC-tw.lfth ollbe ywly mongage insurance pr.mium being paid by Borrower when the insurance cov.rag. lapsed or c.ased 10 be in effect. Lender will accept, use and retain these payments as a loss (cserve in lieu of mongage insurance. Loss reserve .~.eR(PA) 194101,03 .,..., /.?L <) Form 3039 9/90 Plg,3Qf6 .' " ~~ymenlJ may no lonier be required,le opllon of Lender. if monG'Ge Jr.'uronce a.Ge (in the omaun. and (or thc pcnod th.1 Lender requires) provided by m Inmer .pproved by Lender .g,ln becomel .."Iable and II ob'"I1<1l. Borrower .h.1I p.y Ihe: premiums required to maintain mortJIJe IDsur:a.,ce In effecl. or to provide 3 loss revTVe. until the recjulrtmenl lor mnnc~ge insurance ends in accordance with any Wntltn Jcrccmen. betw<<"O Borrower and Ltnder or Ippllcable! law 9. InspecUon, Lender or iu .gem may mue ....on.ble elltnes upon md lIupt<hon. nl Ihe Propeny tender .h.1I give Borrower notice: acme time of or prior to:1n lntpecuon spcclfying re.uon:lble t.1use (or the 1"'9<<110", 10. Condemnallon. The proceeds of my .ward or claim for d>m.1ges. direct or cOnscquenhill, ill conne,:!,on wilh my condemnalion or ol11er taking of any pan of Ihe Prnpeny, or (or conveyance in lieu of COndClM.llon, are hmby ..signed and .hall be p.ld 10 Lender, In l11e evenl of. lolal laking o( l11e Propeny. t,~e proceeds shilll be applied 10 l11e sums seeured by Ihis Securi.y Inslrumenl, wbel11er or DOll11en due, wil11 my exc,,",s pa:d 10 Borrower, In Ihe evenl o( . panl.llaJclng of Ihe Propeny in which Ihe f.ir ",.arlcet valoe of l11e Propeny immediately before the laking is equal.o or gre.ler thm Ihe amoun. of tbe sums secured by Ihls Securlly Inslrumenl il1llDedialely before l11e taking, unless Borrower and Lender otherwise .gree in wrillng, the sums secured by this Security Insuument sb.1I be reduced by l11e amount o( Ihe procoeds multiplicd by t,~e (ollowing (r.ehon: (.1 Ihe tOlal amounl of lIIe swns secured immediately before the laking, dividcd by (b) the (air mukct valli< o( Ihe PmpellY immedi'lcly before the IlIldog. Any balance Ihall be paid to Borrower. In l11e evenl o( . panlal laking of the Propeny in which the f.ir markel vo!ue of the Propeny llIlllU:diately before the taking is less thon the amounl of the sums secured inunedl.tely before the laking, unless Borrower IUld Lender ol11erwise agree in wrillng or unlm applicobJ.l.w otherwise provides, the proceeds shall be applied 10 the sums secured by lbis Security !nslrumenl whether or nal the sums an: then due, I( the Propeny is 'bandoned by Borrower. or if, after nolice by Lender 10 Borrower l11althe condelMor offers 10 make OIl award or settle a claim for damages. Borrower (;:111$ to respond to Lender within 30 days 3fter the d:lte the nor ice is siven, Lender is .uthorized to colleel md apply lbe proceeds. .1 lIS oplion, eil11er 10 resloralion or rep.ir of .he Property or 10 Ihe sums secured by this Securil)'lnIUUmenl. wbether or not ,hen due, Unless Lender and Borrower olberwise .gree in wriling, OIly .ppliealion of plO=dl to principal shall nol e..end or postpone Ihe due dale of l11e monl11ly paymenls referred to in par.graphs I OIld 2 or change the amounl of such payments, 1/, Borrower NOI Rel...ed; Forbearllnee By Lender Not a Waiver, EXlension of the lime for paymenl or modificalian of amortlzatioo of the sums secured by Ihis Securny Instrumenl granled by Lender 10 any successor in interest o( Borrower shall not operate co release the liability of the original Borrower or Borrower's successors in interest. Lender shall nOI be required to cormncnce proceedings against any successor in interest or refuse to extend time (or payment or otherwise modify amoniz.alion of l11e sums secured by l11is Security Inslrumenl by re..on of any demand made by the origino! Borrower or Borrower's SU""ossors in interest. Any (orboarance by Lender in exercising any righl or remedy sbaH nOI be a waiver of or preclude Ihe exercise of any righl or remedy. 12, Successors and Assigns Bound; Joint and Several Liability; Co-signers, The covenonts and .greements of this Securil)' InStrumenl shall bind and benefil lbe successors OIld assigns o( Lender and Borrower, lubjetl to Ihe provisions o( paragraph 17. Borrower's covenams and agreements shall be joint and several. Any Borrower who co-signs this Security InsUUmelll bUI does not execule the Note: <a) is co-signing this Sccuril)' Instrument only 10 mongage, grant OIld convey Ibar Borrower's interest in lbe Property under lite lerms o( this Security Insrrumenl: (b) i. not personally obligaled 10 pay the sums secured by this Seeurity Instrumenl; and (c) .grees th.1 Lender OIld any olber Borrower may agree 10 extend, modify, forb..r or make any accommodations with regaId to the terms of wis Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Sl:Curity Instrument is subject to a law which sets maximum loan charges. and that I.w is fmally inlerpreced so that lite inlcrest or olber loan charges collected or to be eolleeled in connection wilh the loan exceed the pennitled limits, then: (a) my such loan charge sh.1I be reduced by lIIe amount necosS3ry '0 reduce Ihe charge to the permined limit; and (b) any sums iIlready collected from Borrower which exceeded pennillcd limilS will be refunded 10 Borrower, Lender may choose 10 make this refund by reducing the principal owed under Ihe No.e or by making a direcl payment 10 Borrower, If a refund reduces prineip.l, Ihe reduction will be treated as a p.llial prep.ymenl without ony prepayment charge under the Note, 14. NoIices. Any notice 10 Borrower provided for in this Security Instrumenl shall be given by delivering it or by mailing it by first class mail unless applicable Jaw requires use of another method. The nOlice shall be directed to the Propeny AddresS' or any ocher address Borrower designates by nocice ta Lender. Any noticr: to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designalCs by notice [0 Barrawer. Any nOlice provided ror in this Security Instrument shall be deemed ta have bc:en ,given to Borrower or Lender when given 3S provided in this paragraph. 15, Goveroing Law; Severability. This Securily Inslrumenl shall be governed by federal law and Ihe I.w of Ihe jurisdiCtion in which the Propeny is located, In the event that any provision or clause of this Security Instrument or [he Note conflicts with applicable Jaw. such conflict shall nOI affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable, 16, Borrower's Copy, Borrower shilll be given one conformed copy o( Ihe NOle and of Ihis SecurilY Instrument. o .SRIPAJ 194tOl,03 .. P,;_4oIC InIlIlS;.Q< Form 3039 9/90 " . 17. TMlnsrer or lhe l'rop.t1y o.!.nenelOllnlmS' in Burrow.r, If 011 ur an!n of 111. I"op.rty nr any i',I.r.lI in il t. sold or lraDSrerred (or if a benefici:aJ interest in Dorrow~r is sold or lnosfcrrcd and Borrower I' not a n~ll,ral renon) wunoul Lender', pnor wnucn consenl. Lender may. at iu OrUn", require immediate p3ymer:1 in ~JII of all sunu secured by this SecurilY Inslrumenl. How.ver, Ihi. oplion .hall nnl he ....ci5Cd by tender if C,",C1~ i. prohlbl!.d by leder.llaw as 01 Ih. d... or 1111. SccurilY InIlNm.lll. If Lender exercises Ihis option. Lender sh:1ll gi\'c Darrower notice of 3cc-clcr.1lion, The noli,~ shlll provide a period of not les'lhan 3D d.y. from Ih. dol. Ih. nOllC. " d.liv..N 01 m.iled will1in whi<h Borrowe, mull p'y .11 "'m! .<turN hy Ihll Securhy InstNment. If Borrower fails to pay Ihese surnsprior tu lhe' c-'plr.tllon of this period. Lender mJY invoke any rc:mcdu:s pcmull.d by thl' S<<urlly InllNmenl wlthoUl fu~"~er nnllce or demand on Borrower, IIj, Borrower'. RJebl to Reinstote. If Borrower meets certain conditions. Borro'A-cr !ihaJl have the right 10 have CIIfoltCmenl of 1111. SeeulllY InSllumenl disconlinued .. any lime prior 10 ,h. "",her 01: (.) S day. (or .uch olher period .. appllCAbl. law may specify for rein.rl.1I.m.nl) b.lore .ale 01 Ih. Property pursU:Ull 10 any pow.r of .al. <onuined .n this SecurilY InstNmeot; or (b) enlry of. judgmcnl enforeing th.s SecurilY 1..lnunenl. Th... condllion.r or. th.. Borrow.r: (.) P'Y' Lender all sums which Ihen would be due under Ihis SecurilY hUllumenl and lh. NOI. as if no .ecelmllM hod occurred: (b) cures any d.faull 01 any oth.r covenanl. or .gr..menl'; (c) pays all .xp.n.r.. ir.currcd ill eniorcing thiS SeeurllY In"lUmenl, Including, but nOllinUl.d to, ,woMbl. .nom.ys' Ices: and (d) lak.S luch action ... Lend.r nuy "...on.bly r.quire 10 ...ure thOI!he lien of this S.eurilY In,=ol, Lender's rights in the Property and Borrower'. obhg,"on 10 p,y lb. sums .eeured by this Security Inslrumenl $ball continue unchangl.:d. Upon rcinst:uemenl by Bnrrower, thiS SceurilY Inslrumcnt and the obligations .ccured her.by shall remain fully .Ifecliv. as il no .cc.ler'lion h.d occurred. However, IbIS righllo rein"'l< .holl nIllapply In th. cas. of acceleration unller pangr.ph 17, 19. SaI. or Nolo; Chang. or Loon S.rvlc.r, The NOI. or 0 portiol inlmsl in Ih. NOI. (Iog.th.r with t.~ls Securily Instrument) may be sold one or more times without prior notice tD Borrower. A sale may rcsull in a change in rhe enlify (known u the 'Loan Servicer') thar collects monthly pay'r.,,"" due under Ihe NOI. ond this Securily 1n.rllUm..,. Ther. .Iso may b. on. or more chllllges of the Lollll Servlc.r unrelol.d 10 a sal. of !he NOIC. lfll1crels. chang. 01 Ihe Lolll Servic.r, Borrower will b. given wrinen oollce or the cbange in oecordonce wilh poragraph 14 obove and applic.ble law, Th. nOlic. will ".Ie Ihe name ond address or th. new Loan Servicer and the oddr... 10 which payments should be mad., Th. nOlice will also contain any olher inlormalioD required by applicable low, 20. Hazardow Substan.es, Borrower sholl nOI cause or permit lbe pr....nce, use, dispo.al, storage. or rei.... 01 any Hazardous Substances on or in th. Prop.rty. Borrower sholl not do, nor allow anyone .Ise 10 do, anything aflecling Ih. Property thOlls In violation or any Environm.ntal L,w, The preceding IWo .enlences shall nor apply 10 Ihe presence, use, or sloroge on lb. Property of small quanlilies or Hazardous Sub"ances that arc gcnerolly recognrzcd 10 be appropriate In normal residenllal uses and 10 malnlenance 01 the Property. Borrower slull promptly give Leeder wriuen notice of my invcs:igar.ion. claim. dem:md. lawsuit or o1her action by any governm.ntal or r.gulalory ogency or private pony involving the Property and any Hazardous Substanc. or Environmental Law of which Borrow.r has actual knowledge. If Borrowcr Icarns, or is nOlified by any govenunentol or regulalory aUlhori'y, Ihal lIlIY removal or oll1.r remedialion 01 any Hazardous Substance aff.cting Ih. Propeny is nec.ssary, Borrower sholl promplly lake all necessary remedial actions in accordance with Erlvirorum:ntal Law. As used in this paragraph 20, "Hazardous Sub",",ces' or. Ihose substllllces defined as loxlc or hazardous substances by Environmental Law and the rollowing substances: gasoline, kerosene, other nammable or toxic pc(roleum products, (oxic pesticides and herbicides. volatile solvents. materials containing asbestos or fonnaldehydc, and radioactive m:1tcrials. As used in this paragraph 20. "Environmental Law" means redcraJ laws and laws of the jUrisdiction where the Propeny is laconed that relate to health. .safety or c:nvironmecta1 protectioa. NON-UNIFORM COVENANTS, Borrower and Lender furth.r covenant and agree as follows: 21. Acceleration; Remedies. Lender sholl give notice to Borrower prior ro occeleralion rollowing Borrower's breaeh or any covenant or agreement in Ibis SKurity Instrument (but not prior to Dcceleration under paragraph 17 unless appUcable low provides otherwise), Lender sball notify Borrower or, .mong olber tblngs: (a) Ih. der.ull; (b) Ibe acllon requlred 10 cure Ih. defoull; (c) when Ihe deraull must be cured: ond (d) th.t rollor. 10 cur. lb. d.roull as specin.d may resull in aeceleration or Ibe sums secored by Ibis Security InsrrumeDt, roreciosor. by judicial pro....ung and sale or the Property, Leader sball furlh.r inrorm Borrow.r or Ibe right 10 rclnstal. olter ....I.rallon and lb. righl 10 ass.rt In Ihe foreclosure proceeding the non.exIstence of a default or any other derense of BOlTower to acceleration and foreclosure. Ir the default is not cured as specified, Lender, at its oplioD, may require immediate payment in full or all sums secured by lhls Seeurily Inslrumenl wilboul furtber d'lIUIDd aDd may foreclose Ibis Securily Inslrumenl by judicial proceeding, Lender shall be mUII.d to collect oil exp.nses incurred in pursuing lb. rem.di.. provided in Ibis parograph 21, Including, bul nolllmlled 10. .Uorneys' fe.. and cosls or tille evidence 10 'be extent pcrmlued by applicoble law, 22. Release. Upon payment of aU sums secured by this Security Instrument. rhis Security InslNment and the estate conveyed shall terminal. and become void. Aft.r such occurr.nce, Lend.r shall discharge ,",d satisfy this SecurilY InsllUmenl without charge to Borrower. Borrower shalt pay any recordation costs, 23. Waivers. Borrower, to the extent pcnniued by applicable law, waives and rele:LScs any error or defects in proceedings to enforce Ibis Security lnstrumcnt. and hereby waives the benefit of any present or fumre laws providing for stay of execution. extension of time. exemption from attachment, levy and sale. and homestead exemption. 24. Reinstatement Period. Borrower's time to reinstate provided in paragr..ph 18 shall extend 10 one hour prior to the c:onuncnccmcnt of biddIng at .. sherirrs sale or other sale pursuanl to Ihis Security Instrument. 25, Purchnse MODey Mortgoge, If any of Ihe debt secur.d by this Security lnwumenl is lenllO Borrower 10 acquire ,itle to the Property. this Security Instrumen! shall be a purchase money mong.agc. 26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on lhe Note or in an action of mongage foreclosure shall be the rate pa.y..ble from time to lime under the Note. . .6R(PA)I94101.OJ .. p.""SDI& 1'''I'.ls.t:.L..., Form 3039 9/90 " .. . ; ........'. TraCl No 1: Beglnnlng.l. pOlnl1n tho l~p,oxl",uIQ conler 01 ~~e Old Carlisle Road, al 01 nGl' tha 10ceUon of .Ielephone polo; I/\OMO along the IIno is nld road and llnda nOW or formorly 01 BenJ.mln F. G,llIIo, 50u1/113.1/2 dogrool Wall J~3 tool 10 0 polnlln the opproxlmoto conlor 01 said road: thOnco elong o\har lands now 0' formorly 01 W~lIom M, Trump and crosolng Hunlor'l Run, North 74 doo,.as East 254 100110 8 polnl (I,on pin); \honco sCII a'ong olhO' lando now or formerly 01 the Slid Wllllem M, Trump end ,0C/oulng Hunlofl Run, Nor1h 22.1/4 degrool Walt 258 feet to a polnl (an epple troo on tho Wesl bank of Iho Uld Hun\afl Run); \hlllee sUlI along o\her lands now or formerly of tho said William M, Trump, Nor\h 49.114 degroes Wosl88,S foellO a point. tho Vlace of BoolMlng, Containing Dna (1) OC/O. 17 parchlS and 198 Squaro foot. Tracl No, 2: On Iha North by land now or formarly of William Trump end lond now or formerly of Frad D. Sheenor. on \ho Soulhalst by land now 01' formerly of tha William Cox Estato; and on the Wesl by tha approxlmeta canlor of tha Old Carllsla-Ge"ysburg Roed: being a triangular ltr1p of land slwate on the easlern slda of laid Road. betwoon Iha land now or formorly of tho WDllom Cox Eslata and land now or formorly 01 William Trump and land now or forma,ly 01 Frad 0, Shaaffor, COMMONLY KNOUN AS: '53 OLD STAT! 'OAO lAX II' .o.J/.2sn.oUI EXHIBIT "c" ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. If you need more information call the . Pennsylvania Housing Finance Agency at 1(800)342-2397 ) I , i I ~... I L. j. 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 INMEDIATAMENTE 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. . V f1 I,i ::~ ~, ,';:~ Bryan L. Smith September 22. 1998 Page 2 The name. address and telephone number of the lender's representative is: 5901 East Fowler Avenue Tampa, FL 33617-2362 Attention: Rick Riggs Telephone Number: (800) 776-2211 X 2292 The names and addresses of the designated consumer credit counseling agencies are as follows: Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 17102 Urban League of Metropolitan Harrisburg 25 N, Front Street Harrisburg, P A 17101 It is only necessary to schedule one face-to-face meeting. You should advise the lender immediately of your intentions, YOUR MORTGAGE IS IN SERIOUS DEFAULT because vou have not made the monthlv payments of $452.37 (each) for the months of April2!. 1998 throul!h September 21. 1998, Late charges have also accrued during this period in the amount of $67 .86, The total amount required to cure this default as of the date of this letter is $2.782.08, The per diem interest rate is $14,72. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above, An application for assistance may only be obtained from a conswner credit counseling agency, The conswner credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting, It is extremely important that you file your application promptly, If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. Bryan L, Smilh September 22, 1998 Page 3 It is eXlremely imponantthat )'uur applicatiun is accurate and cumplete in e\'Cl)' respect. The Pennsylvania Housing Finance Agency has SiXI)' (60) days tu make a decision aCler it receives your application, During that addiliunaltime, nu fureclusure proceedings will be pursued against you if you have met the time requiremenls set funh abow, Yuu will be notified direclly by that Agency of its decision on your application, The Pennsylvania Housing Finance Agency is located at2101 Nonh Front Street, P,O, Box 8029, Hanisburg, PA 17105, Telephone No, (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397, In addition, you may receive another notice from the lender under Act6 of 1974. That notice is called a "Notice of Intention to Foreclose", You must read both notices since they both explain rights that you now have under Pennsylvania law, However, if you choose to exercise your rights described in this notice. you cannot be foreclosed upon while you are recei ving that assistance, Very truly yours, KJHJj Is _//. / // ~~~ 7v?~./~ / ~,. Kimberly J. Hong FIRST CLASS MAIL, POSTAGE PREPAID TIDS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. i h , ! l p r; l , r ~ EXHIBIT 'D' ~ , GIlESES & nIllSIC, I'.C. Anml't:l'SAT I.AW ONI.GAuwAVCtHna NINI:WUT I"tmnlJRGII. PI'.NNSYl.VANI..\ 1'222 (U2)2IU.7MO J:AX(.a1212f11.7M7 Seplember 22. 1998 Bryan L. Smith 463 Old State Road Gardners. P A 17324 Re: Notice of Intention to Foreclose Mortgal:e; IMC Mortgage Company, Successor in Interest to Alternative Lending Mortgage Corporation; Account No. 0001741834; Note dated March 14,1998; Bryan L. Smith. Dear Mr. Smith: The MORTGAGE held by IMC Mortga~e Company. Successor in Interest to Alternative Lending Mortl!age COI:pomtion. (hereinafter "the Lender") on your property located at 463 Old State Road. Gardners. PA 173241S IN SERIOUS DEFAULT because vou have not made the monthly pavments of$452.37 for the months of April 21. 1998 through September 21. 1998. Late charges have also accrued for this period in the amount of ID..8Q. The total amount required to cure this default as of the date of this letter is $2782.08. You may cure this default within THIRTY 130\ DAYS of the date of this letter. by paving to the Lender the above amount of $2.782.08. plus any additional amounts which mav fall due durinl! this period. Such payment must be made either by cash. cashier's check, certified check or money order, and made at IMC Mortgal!e Company. 5901 East Fowler Avenue. Tampa. Florida 33617-2362: Attention: Richard Ri~gs. If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its right to accelemte the mortgage payments, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Progmm. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount in default is not made within THIRTY (30) DAYS. then, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Program, the Lender may also instruct its attornevs to start a lawsuit to foreclose vour mortl!al!ed property. If the mortl!age is foreclosed. your mortl!al!ed propertY will be sold bv the Sheriff to pay off the mortgage debt. You will have the right to assert in any foreclosure proceeding the non-existence of a default or any other defense that you may have to acceleration or foreclosure. If the Lender refers your case to its attorneys, but you cure the default before they begin legal proceedings, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00, in order to cure the default. However, if legal proceedings are started, in order to cure the default you will have to pay the reasonable attorney's fees, actually i ~ . I. ~ t , r incurred, even irthey are 0, _r $511.00, and you may also be required, ..ay the Lender's te,lSllnahle costs. If you cure the delault within the thirtv-day period vou will not be required to pay attonlev's Cw. If you have not cured the default within thc thirty-day pcriod and tiucclosure proccedings have begun, you still have the ril!htlo cure thl." default and prevent the sale at anv time up to one hour before the Sherifrs foreclosure salc. You rnav do so hy pavini: the total amount of overduc payments plus any late or other char~cs then duc. as well as the reasonablc attorneys' fces and costs connected with the loreclosurc sale. and pcrtorming any othcr rcquircrm:nls under the mortgage. It is estimated that the earliest date that such a Shcriff's sale could bc held would bc approximately lJ!!! days from the date of this notice. A notice of the datc ofthc Shcrifrs sale will bc sent to you before the sale. Of course, the amount necded to cure the default will increase the longer you wait. You may find out at any time exactly whatthc rcquircd paymcnt will be by calling thc Lcndcr at the following number: Richard Ri~~s 1-800-776-2211. Ex!. 2292. This payment must bc in cash, cashier's check, certified check or moncy ordcr and must bc madc payable to thc Lender at the Lender's address stated above. You should realize that a ShcrifCs sale will end your ownership of the mortgaged propcrty and your right to remain in it. If you continue to live in the property after the Sheriffs salc, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT THAT PROGRAM. If you cure the default. vou will have the ril!ht to nay off the loan in monthly installments as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, 1&z~1iJl f-1k7 Kimberly J. Hong, Esquire KJH/j Is CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL, POST AGE PREP AID THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE s r VERIFICATI<>N The und~rsigned. allll duly authorized reprcs~nlati\'~ or I'lailllirt: dcpos~s and S.IYS subject to thc pcmlhies of 18 I'a. C.S.A. ~4<J()4 rclating to unsworn Ihlsilication to allthorilies that the facts sct forth in thc roregoing Complaint arc true and corrcct to his inlornmtion and bclicf. ~---, ) I\~.~ :' I ~--i '. ((>> ~ . f I ~:6 \ ~ ~ !'-::f. ~ . -' ~ 1.1-- ~ ," ~~ ~ ~ ~ \J' ~ ~ -A f'...... ~ ~ 9~ . , r~ i'" r I l- I' ,,:" I ;'1, ':., ,.~, IN TlfE COURT OF COMMON PLEAS 01' CUMBERLAND COIlNTY, PENNSYL V,\NIA IMC MORTGAGE COMPANY, CIVILIJIVISION NO.: 1~ 68r;,r (lA~~(2J Plaintiff, vs. TYPE OF PLEADING BRYAN L. SMITH CIVIL ACTION - COMI'LAINT IN MORTGAGE FORECLOSURE, Dcfcndant. FILED ON DEl/ALl' OF PLAINTIFF: IMC Mortgagc Company TO DEFENDANT You arc hereby nolifielllo plCOld to the ENCLOSED COMPLAINT WITHIN TWENTY (2 ) DA YS FR M SERVICE HEREOF . ~ COUNSEL OF RECORD FOR THIS PARTY: Kimbcrly J. Hong, Esquirc Pa. !.D. #74950 IIIEREDY CERTIFY TIIAT TIlE ADDRESS OF THE PLAINTIFF IS; S901 Enst fowler Avenue Tamp3.FloritlaJ3617-ZJ62 Michacl C. Eiscn, Esquirc Pa. I. D. #74523 AND THE DEFENDANTS IS: GRENEN & BIRSIC, P.C. n Onc Gatcway Center, Nine West Pittsburgh, P A 15222 (412)281-7650 CERTIFICATE OF LOCATION I HEREBV CERTIFY THATTHE LOCATION OF THE REAL ESTATE AFFECTED BY THIS LIEN IS SOlllh Middletown Town~hjn (CITY. BORO. TOW SH (W ARO) "RUE (.,()py FROM REOOAo In T 8StItnony Whfnor. I ... unto SIlt my "- amj of sald Car/Isla, PI. T'ly:i.. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION IMC MORTGAGE COMPANY, plaintiff, NO. : vs. BRYAN L. SMITH Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim 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 SHOULD 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Ave. Carlisle, PA 17013 (717) 240-6200 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION IMC MORTGAGE COMPANY, Plaintif f, NO. : vs. BRYAN L. SMITH Defendant. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE IMC Mortgage Company, by its attorneys, Grenen & Birsic, P.C., files this complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is IMC Mortgage Company, Successor by merger to Industry Mortgage Company L.P., which has its principal place of business at 5901 East Fowler Avenue, Tampa, Florida 33617- 2362. 2. The Defendant is Bryan L. Smith, whose last known address is 463 Old State Rd., Gardners, PA 17324. 3. On or about March 14, 1998, Defendant executed an Adjustable Rate Note, (Hereinafter "Note"), in favor of Alternative Lending Mortgage Corp.. (Hereinafter "Alternative"), in the original principal amount of $35,000.00. A true and correct copy of said Note is marked Exhibit "An, attached hereto and made a part hereof. 4. On or about March 14, 1998, as security for payment of the aforesaid Note, Defendant made, executed and delivered to Alternative a Mortgage in the original principal amount of $35,000.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on April 1, 1998 in Mortgage Book Volume 1442, Page 777. A true and correct copy of said Mortgage containing a description of the premises subject to naid r-1ortgage is markf~d Exhibit "B", attached hereto and made a part het'eo[. 5. All interest and title was assigned to Plaintiff pursuant to the terms of a certain Assignment of Mortgage. 6. Defendant is the record and real owner of the aforesaid mortgaged premises. 7. Defendant is in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest on said Note when due. Defendant is due for the April 21, 1998 payment. 8. On or about September 22, 1998, Defendant was mailed Notice of Homeowner's Emergency Mortgage Assistance Act of 1983, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983. A true and correct copy of said Notice is marked Exhibit "C", attached hereto and made a part hereof. 9. On or about September 22, 1998, Defendant was mailed Notice of Intention to Foreclose Mortgage in compliance with Act 6 of 1974, 41 P.S. ~101, et seq. A true and correct copy of said Notice is marked Exhibit "D", attached hereto and made a part hereof. 10. The amount due and owing Plaintiff is as follows: Principal Late Charges to 8/27/98 Interest to 8/27/98 Title Search, Foreclosure And Execution costs Attorneys' fees TOTAL $ 35,000.00 $ 67.86 $ 2,340.48 $ 1,500.00 S 900.00 $ 39,808.34 I r. ~ r " , N' [; ,. f I Ii d' 'i rl I'. , \ ,,- E.; ~ fe';' t., u :.;' EXHIBIT "A" h ,0 · ADIUST ABLE RA TE NOJJ.RLOn~~;j" ~'jOt> tU80R I.du. RM' Clp" ,U J~ "1} THIS NOT! CONTAINS 'ROVlSlONS ALLOWll<C Fon CHANCES. !R= RA nANn... MO""(IQ.Y IIAYMCN'r. "IUS NOT! LIMlTS TK! AMOUN"r M'V INTE.IU':Sr R~Tt: c,,~ CliAN<.iJ: ,\T "'" ONE TIMEANDna: MAXIMUM lUll: I MUSTPAV. \ '1~ (e?~ "'f('" I', Itft (011I1 114.....1 $lute; (C",) .. ISl"fI .,) o~o sr,,( ~O.(jAQO~('~.~. I'Jl' crro,.IT7A4d/Cu) I. BOIUIOWEn'S 'ROMlSE TO'4 V In rel\lm rOt a loanlhl.1 ha.... rccdYCd.1 protrJu to pI)' U.S. I , ~ . 000 00 (Ihis &mounlls caUe~ .prlncIPaJ.),ylullnlCrcu.1o thtorduorw t.CD4u. n. Lender II ALf(RMA Ive LCIOIMG HOl'G"( CO'I. I undcmand thlllb. under may tran.ter this No&c, Tho l.md:r or lII~onc \lOho uku this NOlI by ulMf:r an4 lItho 'I enlltled 10 !'tcdv, p.ymcnLl \lnder!tlll NOle I. called Ill. '"Note Horact," %. INTEREST tnlcr~1 will be chu,ed ell unpaid pr!cclpaJ unlillhc: 1'\111 amoUR! o( prtneJplJ Iw been pald. I will PlY InlClCSlll1 )'wl)' rite of IS. , S 0 Q ". The In(Clell rate J will pay may C/l:ange in ~,d&nc' with Section" 0' Ihis NOl'. Thf: Intcr=t tile requited by lb.1t Settlon 2 and Section" of rJlls Note ia the tile I WlII pay both be(or: &nd at"r Ill)' delauh daacrlb(d III Seello" 'eBl o( !bla Note. . J. PI. \'MEmos IA) "me Ind PIIU or Payments I will pay principaJ II\d Imert.S1 by malein, pl)'mcnta ",cry month. ' r will make my monthly pa)'meAU 00 the I 9 ~"day o( exh momh beciMln. on "Cl' I I I '. ~ II maJce the.ae pa)'mcnu tvery month wull J have p&1d all or the principal and Inlerest iltId Iny other chat;es deSCribed below Wilma)' owe ~nder this Note, My monthly plymenls will be applied 10 inleral befort principlIl. 1(, on PI. f c" 1 9 . 2 0 2 a .1 $(11I awe IlnounU under this NOI', I will pay those arnounll in lull on II'IaI dale:, whi~ Ii c:aJlcd che "MalUrity Dale.. I wlllnukemymoatbl)'paymen.ual JOS STH STREET, I'"~ CII". PI' '!JO!l or all dlfren:nl place if n:quired by the NOle Holder. , 1""111 (B}AmoUnlorM1ln1UGIMOnth1yPa~cots 24 g'}'I1nu 1C/It1llyOf I 'Sl,J7 llf9IMIII9.tor'I!9 19- Each ormy InltlaJ monthly paymcrus will be IQ the ImOWlt o(U.S.J35 O.)ftnU ICIItllly of , '83.16 Ot91MI"9 acrll 19. lOt 1 Df)'lPtnt 0' I 510.$J clut 01\ ".r(1I 19, 2019 It:) MODlhly Paymtat Choolcs ... Chilli" to my monr.hly payment wUl ret!ccl clwiges In r.he unpaid principal or my loan lIIld In tl'le inleresl rale lhall muat pay. The NOle Holdu will dctmnillC my DeW Interesl nle and. the chanled m1Qunl of my monll'lly paymenl in accordance wltb Seclion 4 or !.hit Note, 4. INTEREST IUTE4ND MONTllLY '4YMI!NTCIlJ.NGES (A) Cblnce:rDalcs ThclnlerenralelwillpaymaYcbUllconthe 19th dayor ",reh 2000 . . and on thtl day every'slxlll month lherc:ahcr. Each date whl~ my interesl nle cculd ch~&c: is C:.1.ll~ a .Ch.1.ngc: Dale.. (B) Thell1d... . SealMinl with the first Chan;c Olte. my interest fllC will be based on an Index, The -Index. iSlhc: IveraSCtll Inlerbl.ftJc o<<ero1 ratC$ (or .lA.mooch U.S, dollar,denomlnated deposils In the London muket ("LIBOR.'l. u publish~ In The WaJl Succt toumAl. The man ~I Index filure available lIS of the firu buslneu d.1.Y of the monlh invne<Jialely pretedin; the month In which me Change Dueoo::urs Is called the -Currenl Index.. l(the Index rJ no longer anilable, the NOle Holder win chose a new Index dial is basc:cS upon comparable Inrol'tl\ltlan. The NOle Holder will &ive me nodec: or this dloiec. ICl Calcu1l11on o( Cb1n;es Be(ore each Ol&nCe Dalc, the Note Holder will calculate my new Interest. rate by addIng l~n and Fo.Vr , '1 (ths pm:ntagcpolnu(s)( ID,80005)10lheCurrenl Index, The NOle Holder will then round the rcsuh or this addition 10 the nwCJiC one-elghth o( onc percc:llage polnl (O.12'~), Subject 10 the limits Silled In Sccdon 4(0) below, this rounded amount will be my new intercst rale unlillhc next Change Dlle. MUt.itSTAT! ADJu.rr^B1.l! R.\ TE I'lOTEot.mOR.INCl!X.s1nt1e Pamo17,Ftedcll. 1041: UnifOlTT\ fntnlJlCftI "'OIItATlHOT~",U"""'INT""''''LTT hie I on . Fnnn)Jl)Oflll! ve !O,'bl.,uml~"\lIII"" I 'f LOAN NOH" 1 ~ I U TM Not. Hold" will dM'ftdtCtrmiN!tIt IIYIOVtll of""r """11'11, ",menl thai would be JUtnclfftllO r'i"1 t1Ie u""aid ptitICipal WI J 11I'I up<<lcd 10 Owl 111M o,"et O.I.la "'II Oft 1M Macurtl, Dlle II my l\Cw interul rile in Nb.llluiaU, 1lf\I&J ,.)'fNftlJ. TM tCNlt O(d'll' t&lall'lloa will be lllt,.,w &mount ct my monlhly p.ymenl, . .1 (OJ UmllIt. tntCl'f:I1 n'll OUla lbc IlMerua,., f 1m reqvl,od 10 P'Y II tile tit'Sl Chanc. Ou. wt!: 1'01 be ,rulct thin I e J S 0 a 'or leu 11I11I IS. JS 00 I. 'Thereltlrr. my INcrull1lC ....dlllcvr'bc lWtUed ordecn:ucd on lily sl"cle Chance O.lIC b)' rnortlhlAoftl pu'CC1I1.,. poinl (1,01) (romth, rill Qllnlcl'UI r hl'l'IHm pa,ln, (orlJlc prc'edinc Iii motlllu. My iftlcral r'l' will MYCr be ,Iuler chan J I ) S 0 0 \. or IUllholllo I'. J' 0 0 ". eE) Eltcclh, D'I. ot Chll,CI My new ""',U, nit wtll btcomt d(<<the on u:.' Ch1l'l:= 011:. I will P.17 the amounl ot my ne.... monthly p.ymcnl ",lMla, on~. n,n monthly plyme:u dill a^cf lht Chlll" Date lWillhe &mOUnl of my mon!."')' pltmenl dI""."al&iA. m Nod.. or 0...." The HOll Holder will dell.er or ~llo 1M a DOtI~. ot illY dllII," SA my loterln nil andlhe .amOllnt of my monL!lI)' pJ)'mW be(ore &he efleetlv. dlle of &IIy chinle. The ~iC4 wIn iDdude Inromallon ICqulred by law 10 be liven me and alIo "', tld. and 1dcphoco number ot I ~ wtIo 'Will wwer InY quesllon I may have reeardln, Ihe notl". S. BORROwu.'S RIGHT TO PREPAY I havl \b. tif,l\110 makl plymeou otp.IDCtp1J IS any time btret.:!lcy are due. A payme.u or prlnelpal only Is known U I 'prepaymenl.' When I make a preplyment.1 willlelllbe HOle Holder in wrillnalblt I am dOinl so. I( I make. prepayment ",Imln m. nnllwelv, (12) months al\er the dlle o(mls NOle.I.,.,i11 b~requlred to pay a prepayment ptDllty. cqu" lO l , r 0 p. r C. n I. (a. 0 S ) of lb. amounL l ptq)IY. I( I make :a prepaymen1 durin, die Ibine=1h (I JIh) throu&h dll:: Ihlrt)'.,iAth (36th) momb ItI.:r tJI. d&l.e on Ihil NOle. J will be required 10 pay a prcpaymcruPCrWtycqv.aJlO Z.ro I>>tr e'''t 10.01:1 offheamouNlpr:pay.lwlllnotberequlredlo pi)' 1ft)' pt:pl)'JZlCnl pcaalty lhlny.,il montba alLu Ibe dlle of llli, nolt. Without re&ud to the rorecoinc. I will not be reqvlrcd 10 PlY by prepaymen1 penJ1ty II any Ume If (i) ~e scurce o( rum ued 10 male. a 9rtpaymenl wu J rctin&DCia& by the Lender or an .mllue of the Ltoder. or (ii) an thedllC hercar. my lotal monthly debit (Including &mOuntS owed under IhlJ HOle) c:xc:ccd '0 percent or my monthly IrolS lnc.ome. bucd an my slCned ftnanciaJ 'WCmclU. a c:redlc tepon Md payma:at rcconls (or enl9loyme:ulnccme. The NOle Holder will use aU or my prepaymenlS CO rcduc:e the IIr'IOWlt of princ:ipaJ !har.1 OWl uader mil Note. If IlNIce I putJaJ prepayment. !here \lI1II be no chan;" in the due dlles army monthly plyments uoJeu the HOle Holder JIRClln wrhln,lO thO" chlnlll. My putlal prepaymem may reduce the UI\OUAt of my monlhly plyments ahlt the fint Clun~ Dale rollowinl my paniaJ prepaymenl. HowllV'Cr. any reduction due to my p&nlal ptepaymetlt rNY be offset by an Inlcresl rile inere.uc. 5. LOAN CIlARGES If all"', wbldt. .pplles 10 this loan IDd wl1Jch sets cuxlawm loan eblt'leJ.lJ nnally Inlcrprcted so thlt the Interest or other loan chllces collected or CO be collc:tcc11n conncclion wilh Ibis loan c.teccd the pcnn1ttcd llmiu. lben: (i) any Nth loan chUI' sbaJl be reduced by LlIe amount llec:=uy co rectuee 1M chug~ to the permhtcd limit; aM (Ii) any .urns uready c.oltOClCd (rom me whicb lJI.eeedod permitted IImils will be ftl'undcd 10 me. The NOle Holder may chose 10 maJce thiJ refund by rcducin, the prineip.!1 owe under Ibis NOle or mf maJdnC :a dlrCCI p.ymcnllO me. I(:a refund rcduCQ: princlpaJ. the reduction will be trw.od u a patti&! prepayment. 7. BORROWER'S FAn-lIRE TO PAY AS REQUIRED fA) Latl Chqes tor o...uduI "rmeets It the Hate Holder bas 11.01 rc:eivcd !he fun amoW:I1 at any monthly peymcnl by the md or I S cllctl<!ar days afler thcdllc II Is due, I "'III pi)' a latechUlle 10 tlleNolc Holder. Thewoun1 orlhe ehuge will be S. 0 0 0 0 S olmy overdue payment orprincipaJ ~d lruere.st. I will pay this laIc chu&e FrompU)' but only once on each laIc paYIOOlI. (BIOolaul' 1rl do not pa)' che full amount of caeb monl.hly paym:ru on the dale 1I.1s duc.1 will be in derauh. (C) Nolle..r Of/..It It l;m SA dcfauh. the NOle Holder may send me a wriuen nOlle: Iclllna me chit Ir I do nol pay the overdue amounl by I certain date. the NOle Holder may require me 10 pa)' Immediatel)' the fun amount or principal which hu nol bml plld and aJllhe mltreJ1 chat J owe on thu. amounl. The date musl be alleast 30 days after the date on which Ihe nOlice IS delivered or mailed to me. (D) No WaJvu by Note Holder EVCQ It. It a ~ wben I am 10 detaull.lhe Note Holder docs not require me to pay Immedlalel)' In full IS described lbove,lhe NOle Holder will JliIl have the ri&hllO do so Ir I am In derault alllalcr time. (E) Payment ot Note HaJdu', eMU: and ~ . Jt the NOle Holder has required me to pay Immcdluely In tullas described above, Ihc Note Holder will have the rlabl to be paid back by me tor aU ot ilS Q)sts and e.lpen5es In en(orc:inc ibis NOle:: 10 the eXlenl not pronibiled by appllC3ble Ilw. ibose expenses iDclude. tor example. rc1Sonable auomeys' tccs. . .. GMNG OF NOTICES . Unless applicable law requi~ I different method. Ill)' notice thai must be livl:IJ to me under this NOle will be liven by dcllverinl it orb)' mallia, il by nm cllSS aWl to me at \he Propcny Address above or at a dlf(ercnt address it I live the Note Holder a nodee orro)' dlffereal address. Any nollec thit must be giveD to the HOle Holder under this NOle will be given by mailing II by nrst dw mail 10 Ihe Note Holder IIlhe address slaled in Seelian 3{A) above or ilt a dltfemu address If r ;In r;ivm a nOlice of thaI di((ercmlddrcss. ~. OBLIGATIONS OF PERSONS IJNDER THIS NOTE .It more than one person signs this Note. each person is fully and p=rsorWly obll&atcd to keep all or the promises made LD lhls NOle. iacludlnc the promise to pay the full amount awcd. Any person who is J g\lmJ1tor. surety or end.orser orUli; Nole is also obliSlttd 10 do thcselhlncs. Any pmon who uJrcs over Ihese obllgltions. Ihcluding the obh&alion.s of a &uannlOr. surely or endorser of this Note. Is abo obll,ated 10 kc.cp all o(th~ promiscs made in mil NOli. The Note Haidet may enforce Its riebts undcrthls Note agJ.lrut each person indivlduaJly or launn aJl orus lagethcr. Thil mean, thai anyone 011U may be required to pay all of the amounts owed under chis NOle. ^OIlAnltOT1'tulo"~DfTIOIALn~teu hl,:Z0'3 rOfmJ~'1Glm. THIS IS A SECTlOtl U FORM VG .~"'lOo./oOClTlr.l: .'r . e e) l. . lOAN NO' 010 Hit It 10. WAIVERS I"'" 11I'10"''' ptrlOft who hu obli'atll IIU under 1.1\.1 NOli 11I'''''' lA. rl'ftlt 0' "n,nlNnt IMII'lOII<< of 4ilt\OftOl. -PnM'ftbN"'. mean. tt1. IIpllO ttq\lue tile NOli H12ltltr Ie) oSem.l\4 fl'ymr-'lt ot amoul'lll dllt. -Nottee 0' 4lihOnot- I'N'W tM n&/uto fequite lilt Noe. Hol4er \0 Ch. notl" 10 Olflrf pcnoa. mlt unCNftU \Jut h... 1\01 bftn p&l4. II. \IIIl10RM SECUIl!D NOn Thls f'lotIlIl wMaM IlUtNlMnt with llmiud u,buolU In 'Oml J:,U1i4iCtlOl\I. In addition 10 the protecllonJ ,Iven 10 \M Nota Holdier \Ift4c,Um NOI',' Mar1III', Ccc40fTNII 0' Stc'JflIY DUG (UI,.St'Cl.Inty Inltrumcnl'),I!.lell (lIe WN dlle u ",I. Note. prolrc1J tn. Notl KOIO" 'rom ponlbl.lol1u .fllch mlchl fU\lh ill do not kttp!.hl pro""lCl UlllllNU In \till t40'... lb. sm,b'1lu11\IIMAI ducnbu I\ow lIld wn4tt wh&& cotJdlliollll mIIY ~ reqIJuc410 mIl... invncdlllC p.ymcM in fI.Ill of a1lllT1OUAu I OWl under tAil Nole. Some ot ~OM condltioo. IIC clCSUlb(d u followl: Truster 0(111.1 Prop"" or I Bmel1dallDlutstla BonQwcr.Ila11 or 11I1 part of Ihe PropcnyollDY lac.mlln it b 1014 Of uwlcncd (ot iI. bcn.t\claJ Wrcu. in Borrower 1I101d Of uwfemd and BarTO-" I. not a nalutal penon) wil2\OUI Lendt.', prior wtiutn COftKll,I, Leader m.ly,1l ill oplioa. ,~...ilt lmmC4lu.e payment 10 full or an NNsecu,ed by &hi. SecurilY lJulnament. Ho~tyu. UlIJ opdoa shall DOC be uudscd by Lender it uerdte I. prohibited by redenllaw U 01 !.h. da!. or thl. Sccuthy IMINmCQI. l.eD4" aha sha!11\OI Cllercist llli, optlola If: (a) Bamwa' causes to tJe lubmillCd \0 l..cftdcr Inronnallon requ.lred by Lender 10 C'YaJule tblloten4td lnN(e,Ct u it a new loan were bcin, made 10 lb. Itw(lItc; and (b) unclet t.uanallt)' dctermicc.s lbal LcG4et'. securilY will nol be impaud by the loan wlltnQlion and that the risk 01 I btucb of My c:lnVcn&nt at ll,cement in this SeMilylnswmclu is xce;mble to Llndet. To lbe I1tatl permitted by appUc1blc IIw, Lcnc1:r may clutee a ruson.able rei U I condition la Lender'. conlCnc 10 the klan UlufP9lion. Lender may abo teqoJit. th. Itllllfer.e lO .il" an ISJ\Implion .,rcement Ihat ls ICUJIILble to Lendet 1tId that obli,attl the InAlfer" la uep all me premit., and I&t'temenu mufe in the NOle .and in this Security INtNmenl. Bonawcr will conllnuc 10 be obllllld under the HOle and Security fnmument unlcss Lender rdeua Borrower In wrhlDI. IC Lender p<<rc:llCIlhe option to requite Irrvncdl.1I' paymc:u.ln tl.ill. Lender Ihallllve Borrower nolle; 01 xcelcruaon. The notice dlall provide I pcnod or nolleu \flan]O dlY. (tom me dlle the noli" is delivered or mailed whhin which Borrower tlNlC pay an 'UtN scOJted by !hll Scouil,Y hUU'\lment. If 6oITower r&ill 10 PlY these sum! prior 10 chI upltltlon Irlhll period. Lender may invoke Iny rcmediu pumiucd by thlt Security Il\1uument willlout l\Inher noci" or dcnund On Bonower. WITNESS THE HAND(SI AND SEAL(S) OF THE UNDERSIONED. ($." d_ _;::> ~""--....- .8om..tf "~Jr.ff L. 5H1TK IScall .Do/IOWe' ($aIl .BomWCf ($..~ .Bormvcr . . (SI:n Or/rlnal Only! WITHOUT RECOURSE. FAY TO THE ORDER OF: thh l4tl'l cbyor"lrc" 1998 "'DR llVE LENDING HORTGAGE CORP. )())(J d:r6 u 0,6,. L. Ite r r A11t. YI" PreSident '11"0'3 t'orm1S90,I1IZ UG ","~lI/lAn"'OTK.wTlIIfCJ \) .\ ; ~~) ~... t;i ""0' ~~; t\~i ";; EXHIBIT "B" , .' . . t .. . P~I Number: API 01-SMiTH.B 029B lNI BD8030488 Certified True and cor~ ISpoIC.Ab...Thb Un. For Ro:ordlllC D.lIl CVI-'J ...f tlie Oligina . MORTGAGE " ~., nus MORTGAGE ("Security IRstnur.e:lt") is given on BRYAN L. SMITH. a sin9le man r r March 14. 1998 . The mong.gor Is ("BolTDwer"). This Security Instrumctlt is given to AL TERNATI VE LEND I NG MORTGAGE CORP. , which Is orglllizalllld existing under tlle1aws of THE STATE OF FLORIDA , and who.e add,es.i. 2229 PAXTON CHURCH ROAD. HARRISBURG. PA 17110 ("Lender"). BOlTDwer owes Lender the principal 'urn of Thirty Five Thousand and noll00 Dollars (U.s. S 35.000.00 ). Thi. debt i. evldeneed by Borrower', note dated the 'ame date as this Security Instrument ("Note"). which provides for monthly payments, with the full debt, if nOI paid carlier. due and payable on Ma rch 19. 2028 This Security Instrument sccurcsto Lender: (al the repayment of the debt evidenced by the Note. with interest. and all renewals. extensions and modifications of the Note; (b) the payment of all other sums. with interest, advanced under paragraph 7 to prorect the secunty or this Security Instrument; and (c) the perfolIllllllce of Borrower's COVenants and agreements under this Security tDSUulllelll and the Note. For this purpose, Borrow.r does hereby mengage, gr:lllt Illd convey to Lender the following dcscribal propeny located in CUMBERLAND Counly, Pennsylvania: THE LAND REFERRED TO IS LOCATED IN THE COUNTY OF CUMBERLAND. COMMONWEALTH OF PENNSYLVANIA AND IS DESCRIBED AS FOLLOWS: SEE ATTACHED LEGAL: COMMONLY KNOWN AS: 463 OLD STATE ROAD TAX IOU 40-37-2545'007 r' I'" '":',:::' J."'I ~~.. ;, ,,':" whichhastheaddrcssof 463 OLD STATE RD. GARONERS Pennsylvania 17324 (Zip Codel ("Propeny Address'); Pa.lNSYLVANlA.Slngls Familv.FNMA/FHLMC --. UNIFORM INSTRUMENT F.'m 3039 9190 ~ .8RIPAII'4,ol,03 Amended 5/91 .. fi J {" ,-;.1015 MW1~,OJ "...tI"I:~ 'IMP MCRTCiAGE 'CAMS .1I00Illo:U.1Z91 _ /.,.1, (:..~ '.".."... .i"J.:< ~ I 1::\; I.. ,:~ ~ ['.:' 1'::* ';C^"" , IStttet, CiryJ, IIIIII~ "'" 11/111111 111111II III . , TOOETHER WITH :III t..'\e ir:1p!ments now or ht'rt'~ll~r er(,,:tC\! .m th~ propc...ntJ .tI1 enelll~n:lo, ~;lp'Jrte:l.&nc,;e'. .aud n.rurcs now or here.sher a pan of Ole property. All rl.j'llx~:r~:\u JI1~ ~dlUons slull .l.I10 !>t co___ert"'d by Itu SeturllY Insuu....DI. All of the foregoing is referred to in mil Sec"rlly InSll1JlTltll1 os ,he 'Plopeny . BORROWER COVENANTS WI Borrower II I.wfully Im.d 0' lJIe ..:>te hereby cooveyed '"d hn the "&hl'O mon~'~e. ,ruE and convey che Property U1d lh31 the Pro~"y is uneururr.btrW. UCf.1>1 (or encumbr:uu.:n of record _ Bnm)wer WJrrJnlS ond will de(<Ild gene:31ly me tille to me Propeny 'I"nn ':1 clJlnU 3I1d ~em3l:dl. luh,,,,.,O any ,n,,,,mhr,,,,,., 0' record. THIS SECURITY INSTRUMENT comb",.. Uniform 'ovtn~'" for n>l,on': use ""d r.lln.unduroll wven;l1\ll W'~I hmileU vui.uions by jurisdic:tion co COlUlilUIC J uniform sccurlty In)lrull1enl 'lI~en"i: real p:'Ope~y, UNIFORM COVE~ANTS. nOllower J.r.ll t:nlteutHr'l'Il,UlI ,\l1d JlrL~.lS follow,; I, P.ymenl o( Prindpol .nd Incere.!l: Prepoymml ond L.te Chal'l\cs. Borrower ,h,1I promptly p.y when due me pnnclpal o( and Inrerest on the d,b. evidenced by Ihe :-Iote 3"d my prepayment >nd ;... charges due under ,he No.e. 2. Funds ror Ta:<es Dod Insurance. Subject to 3ppli.;able bw or co .:a wnUc:n wa.ivcr by Lender. Borrower ,:1311 pay In Lender on m. d.y monLily p.ymcnts ue due under mel'ole. 1nul me I'o:e il paid in MI. a sum (-Funds") for: (.) ywly 13.m and usessmems which m3Y attain priority OVc:r Ihb S~.-urity hutrumenl :IS illic:1 on the Propcny: (b) ye.1l1y le.1.\Chold p:ayr.-.c:UJ or around rents on the Property. if any: (c) ye.vly h3lJJ'd or p:oper.y insur1nce prcm.Jums; (c.l.l yearly flood insur:mce premIums. ir any: (e) yearly mong:lgc insurancc prcnuurm. if :ltIy: 3J\4J (t) .my sums p3y:ablc: by Borrower 10 Lender. in 3ccordiU1c~ with the provbion.s of paragraph 8. in lieu of the p"yment of mOr1;J;e iruuriUKC' premiu:T,j. The~c items are c.JJlcd "E.,cmw hems." Lender lI'.oy, at tIIly lime, collccl tIIld hold Fu.,d, in ;11\ "''TIDunl nol 10 exc::cd me m:uimum 3l:lounl . lender for a feder:1lly relal<d mong.g. 10tllllll>Y requlr. for BOlTower's escrow accounl under the !eder.ll Re:1l EsI.I. Settlemenl Procedures Act of 1974 as amended (rom limclo time, 12 U.S.C. S,,:ion 2601 t/ uq. ("RESPA"). unless ""olher law Ih>t applies to Ihe Fun~s SctS a lesser :ur.ounl. I( so, Lender '""y, .1 ..y [;",e. collect and hold Funds in ;11\ amounl not to ex,eed the lesser amount. Leader m:ay estimate the amount o( Funds due OD the basis or current ~aL:l :md rC150nable estlmates of expenditures of future Escrow Items or otherwise in accordan,. wilb .pplicob1.I.w. The Funds sh3l1 be held In till Institution who,e d.po,i<s :ue Insured by a feder.ll ag,ncy. instrumenlalilY. or entity (including Lender, If Lender is luch an iosti[ution) or in tIIly Feder:1l Home Lotlll Bank. Lender shall apply the FundI '0 ?ay Ihe Escrow !rems. Lender Ill>Y not chug. BOlTower for bolding and applying thc Fund,. ill\Do:1lly analyziog lJIe escrow accounl. or v.rifying lb. Escrow I[ems, unles, Lender pays Borrower lnteres: on me Funds tIIld .pplicable law permils Lender 10 make such a charge. However. lcJder may require Borrower to pay a one-time charge: for an indepc.ndent n:aI estate lax reponing service u,ed by Lender in conneclion will. m,s 10", unless >ppllcable I.w provid.s olJl.""i... Unl..s till agreement is made or >pplicable law requires inlerest to b. paid. Lender ,h:1l1 no' be required 10 pay Borrower ony inler..t or earnings on lhe Funds. Borrower and Lc:::x!er may agree in writing, however. lh.u interest shall be paid on the Funds. Lender shalt give 10 Borrower. without chug., till onnu:1l accounling of the Funds, showing credits and debits to the Fund, and the purpose for which .3th d.bit to the Funds was made. Th. Funds :ue pledged as additional security for all sums secured by Ihi, SecurilY In'trum.nt. If lJI. Funds beld by Lend.r .....d tbe 3l:l0unlS permined 10 be held by .ppliC3bl. I.w. Lend.r shall acooonl to BOlTower for the excess Fonds in accord..c. wlm the requirements of applicabl. bw. If [he amounl of the Fonds held hy Lender >I any time is not sufficient 10 pay the Escrow Items when due, lender nuy so notify Borrowe: in writing. and, in such case Borrower shaJJ pay to lender the amount necessary to make up the dc:flcie:1cy. Borrower shall make up the deficiency in no more than twelve montb1y payments. at Lender's sol~ discretion. Upon psyment in full o( :111 sums secured by Ihis SecurilY Instrument. Lender shall promplly refund 10 Borrow.r ;I1\y Fund, h.ld by Lender. If. under paragraph 21, Lend.r shall acquire or sell <he Property. Lend.r. prior to the acqui,i'ion or sal. of lbe Propeny. ,hall apply tIIly Funds h,ld by Lender at lJIe lime of acquisition or s.1I. as a credit against the sums ,ecured by this Security Instrumenl. 3. Applleallon ot Payments. Unless "l'plicable law providc.s ome""i,e, all payments rec.ived hy Lendor under p:uagraphs 1 ond 2 shall be applied: firs<, to ony pr.p.ymclll chuges due under Ihe Note; ,eoond. to amounlS payable ond.r paragraph 2: third, 10 Int.rest du.: foorth, to principal due; and last. to tIIly late chug.. due under lJI. Note. 4. Charges; Liens. Borrower shOllI pay aU ta.us. assessments, charges. tines and impositions attributable to the Property which may attain priority over this St:Curity Instrument. and leasehold paymen:s or ground rents. if any. Borrower shall pay these obligations in the manner provided in paragraph 2. or ifnot paid in that manner. Borrower shaJl pay them on time directly to the person owed payment. Borrower shall promptly furnish to LemJl:I' aU notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the Jjayments. Borrower shall prompUy discharge any Lien which has priority over this Securicy Instrornent unless Borrower: (a) agrees in writing to lb. paym.nt of the oblig>lioo ,ecured by lbe lien in , manner acceptable to Lender; (b) contests in good (.ilh Ih. lien by. or defecds against enforcement of the lien in. legal proceedings which in the Lender's opinion operate 10 prevent the enforcement of the lien; or (c) sC:t:ures from the holder of the lien an agreerne:n satisfactory 10 under subordinating the lien to this Security Instrument. If Lender determines that :any part of the Property is subject [0 a lien which may attain priority over chis Security Instrument, Lender may give Borrower a nocice identifying the lien. Borrower shaJl satisfy the lien or take one: or morc of the actions set (orth above within 10 days of [he giving of notice. 'N, -;; ,;, " 1 f' l ~i"' I k r <Do,D.SAIPA) 114101.03 "w../'lL. <) Form 3039 9/90 P10I2Q,/j \ , , S. If:I:r.ard or Property rnsur.. &rrowrr sh1U lcetp the l:r.provnnm:s . c'umnc or herC'lner erecfed ()R Ihe PIoptny lI\1ured iIpi"SlloSS by firt, hWld, '"eluded wllhlft ':.. term "..'I.nded co.ml.' :lIld ",y olh.r hUo1rds. ,n,bdlft& noodJ or noodmJ. (or wbich Lendtr fCGuirellnSUr.l:ll:e. nls In~ul'2nCC' ,hall be mllftuaned In the 1I1'1Ounlt 1ntJ ror Ihe i'erlodl mil Lender tcqUlteS. The lRSunncc c.urie: prO~uJlnc the ansur.u1cc s:1JJ! be '~olrn by lSorrowt'r lubjC'l.:t :u lcnlJcr's .approvll which shall not be unruscll1bly wichh.ld. Ir IIorrowtr f..I, :0 """nt"n co'mce descnbed .ho... ~nder m.y. 'I ~nd.r'. option, obwn co.enog. 10 prolect Lend.r's "&hl.l.n the Propeny 1ft 3Cco'd.1nce WIth panlnph 7. All in,urance policies and renew:llslhall he .c,ept.ble 10 Lender lIld sh:llllOclud. . I13nd3td monl'g. claus<. L.r.dcr sball h,..ch. right 10 hold ch. policies ..d "new:ll,. If ~nd.r requ.res, Dorrower ,h:lll promplly g,v. to Lend.r all ''''..p'' of paid premJWIIS:lIld r.newalllOtices. In lb. mnl or lOIS, Borrower .Ii:>ll gi.e promplnol'c. 10 Ihe imur.,..c. =".r U1d ~nder. Lender =y make proof of loss if 001 m:&d. promp~y by Borrow.r. Uales. Lender and Borrower ochcrwlse alree in WrIllog. insurance proce.d, shoJI be applied 10 ,..Ionllon or rep.ir of che Propcny doroaaed, if the ....tontion or repal,:s <'ConolrJc.1lly (."ibl...'ld Lender', security i. nOII....ened. I( lbe reslo"lion or lqlalr b IlCC etollOmic.1l1y f~lble or Lend.r'llCCUnty would b. lessoo.d. rho inNr...ce proceeds shoJI b. applied 10 Ihe sums sccwtd by rhis Security Instrumenl, wherhe, or not chen due, wich lilY e'cClS paid 10 Borrow.r. I( Borrower abllldons Ihe Property. or does nOl answer wirhi~ 30 days, nOllce (,om ~nder Ihat che inNr3llce ..mer has offered 10 s.llI. . claim. L~en Lender may coUect rhe Insuranc. procccW. Lendr, m.y use !he p,ocrL'tls to r.p.II 0' "'"U'. th. Property or 10 p'y sums !tcured by rhi. Sccurily Instrumenl, whCl.~er or not Ihen due. The )O-day period will begin when the nOllce is gi.en. Unless Lender and Borrower olherwise agre-: in writi:1g. any application of procc:'t:Cs (0 pnncipaJ shall not c:xu:n:1 or poSlpOne the due date of ch. monL~ly paymenls re(mod to 10 pm graphs I and 2 or chlllge the amount of ,he p.ymen... I( u~er par.l,nph 21che Propeny i. aCQuired by L,,"cer. Borrow.:'s right 10 ;my insur...cc polic;....a proccr:ds rcsulllng from dsmalelO che Propel'lY prior 10 lbe "Quisilion L~J.: p;w to ~nde' to the e,lenl or Ih. sums secured by chis SecurilY Instnll".nt Immediately prior to ch. ~ulsition. 6. Occupancy, Presen'oUon, Maintenance and Protection or the Property; BOlTower's Loan Application: L....holds. Borrower shall occupy. e.labIiL~...d uso Lie Prop.rty ... Borrower's principal resid.nce wilhin si'ty days after Ih. ..=llon o( lbl. Security (nstrum.,ll and shall continue 10 occupy ch. P,opcny .. Borrower's principal residence for .11..11 onc year al\er rho date of occupllley, unless ~nde: olh.~....ise .g'''' in wrlling. which consenl ,h:>ll not be unreason.bly wllhheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall noc destroy. damage or impair che Propeny, :>Ilow rho Property to detcriom., or commit w...le on rho Propeny. Borrower shall be in default if allY r'orfeirure action or proceeding, wherhe, oi.U 0' eriminoJ, Is b.gun chOI in ~nder's good falrh judgmenl could ....ult in (orreilure or' th. Propeny or orhorwise materiolly impair lbeUen cr..red by chis SecurilY Insuument or Lend.,'s ,ecu,ity inte:esl. Borrowe, moy cure such a default and reinstat.. as pro.ided in paragrapb 18. by ..using che ,cllon or proceeding to be dismissed wich 'ruling that, in Lender's good failh detennina1ion. precludes forfeirnre of the Borrower's interest in the Propeny or other material impairment of ch. lion cr..led by rhis S",u,il)l Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during rhe loon appli..tion p,ocess, gave molcri:>lly foJ,. or in:accurnte information or 'lalcmenlS 10 Lender (or foiled to provide Lender with any m.1teriaJ int.ornw.ion) in cOMeclion with the loan evidenced by the Note. including. but nOI limited to. reprcsent:ltioos coDc::ming Borrower's OCCUp3ncy of the Property as a principal residence. If this Security Instrument is on a leasebold, Borrower shall comply with all (he provisions of the lease. If Borrower acquires fee title 10 the P:,operty. the leasehold and the fee Iltle shalJ nOI merge unless ~nde' agrees 10 che merge' in writing. 7. Protection or Lender's Rights in the Property. If Borrower fails to perfonn the covenants and agreements contained in this Security Instrument, or there is a legal p,oceeding IMI moy signific:antly a((ect Lend.,'s righls in Ihe Property (such as 3 proceeding in bankruptcy, probate. (or conderr.nation or forfeiture or to enforce laws or regulations). then lc:ndc:r may do and pay for wb:atcver is necessary 10 pro:ect Ihe voJue oi the Property ..d Lender's 'ighl' In Ihe Property. Lend.r's aClions may include paying any swns secured by a lien w:tich has priority over this Security Instrument. appearing in court. paying reasonable anom.ys' fees and ent.ring on tlle Propeny to make rcpoirs. Although ~nder may take action under chi, pmgt3ph 7, Lender do... not bave to do so. Any amounlS dl,bursed by Lender under Ibis paragraph 7 shall become .ddilional debt of Borrow.r ,.cured by chis Secu,ity Instrum.nt. Unless Borrower and l.er.de, agree co other terms of paymenl. Ihese amounts shall bear inlerest (rom lbe date of disbursement at the Note r:ue and sh:a11 be payable. with interest. upon notice from under to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument. Borrower shnll pay the premiums required to maintain !.he mong3ge insurance in effect. If, for any reason. the mortgage insurance CQverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurnnce previously in effect. at a cost 5ubslaotiaJly equivalent 10 the cost to Borrower of the mortgage insurance previously in effcct, from an alternate mortgage insurer approved by lender. [f substantially equivalent mortgage insurance coverage is not available, Borrower shall pay 10 Lender each month a sum equal to one..twelfth of the ye3tly mongage insurance premium being paid by Borrower when the insurance coverage lapsed or ce:l5ed to be in effect. Lender will accept. use and retain the:e payments as a loss reserve in lieu of mortgage insurance. Loss reserve IM..IlI: dSL <; Form 3039 9/90 ,~, l !~. ~:< h. 1-': , l~~' ,., O~.8R(PAI 1'.'01.03 P,g,3ofli , ;ayrncnu may no lon,er be reQUlred.',e op:lOn or LnoJer. If mort:JI;C' lr:sur1Jlct .,J;C' fin tne ,unlnnl &Ad '"" th~ ()(no~ lhlt Lender requires) proYlded by .1IIlns'ner JpproYC'(j by Ltnd~r JCam beCf}m(~ IVJll1blc mt: n obt.,tIOC'd Unfr"....l"f' \1'101': pay the premiums required to m11nl3tn moMiil;C ,"sun.":.c: ~n ef!eCf. or to provIde.) loss ft"'..crve. until :ht re~ul",lN"l'It 'I'" l1\l~nC)C( lnsutance ends in accordance Willi .11\)' wn~tfn :a"recm~nl '3e:wf't'1'l Rorrower and ~nder or apphc:.blc IIw 9. Inspection. Lmc1er or its J&ef11 nuy m.tite re.uon.lblc tlltlle' upon .a."1~ m~pecltO:\1 of the: ""0{K"f'l)' LcndC':' \h.aU ,I\'e Borrower noeice Jot the lime: of or pr:or to:m IntpC'CtlO:1 $PCCI(Y1nC t'e.a.".On3ble ""use (or the Inspec:lon 10. CoadernnatJon. The proceeds of any aw:ard ar cl.llm ror d.unJgcs. direct or lOor.sequC'nlllJ, '" (tmnC'Cllon with any cond<lM.lion 01 olil.r laking 01 any pan 01 Ih. Pm;>.ny. 0>' for ccr.vcyance I~ Ioeu or rondelMal:on. U. hmby UIIQr.N Il\d ,hall b. plld to Lend.r. In liI. ev.nl 01 I tol.lllakJng 01 liI. Prop.ny, ~'e proc:cdllhJlI be applied 10 Ill. lum. s.:urN ~y Iftll SecurllY 1~llnlment. wbeth.r or not liIm du., wllll my ......, p"d '0 IIorrow.r. Ir. the evenl 01 . pani.1 laking 01 Ih. P",p.ny on whICh th. 1m nwlcCl valu. 01 liI. Propeny immcdi".ly before Ill. l.:cln~ il .qulJ to or gr"I.r than the amour.t 01 the sums sectrN by thll Security ImllUllll:nt immedilll.ly belore liIe lakinS. unl.ss Borrow.r and l<:nder olherwise .gr.e in Wllllo&. th. sumsltCur.d ~y liIis Security Insuumenl IblJl b. r.duced by Ill. :unoun' 01 Ih. proceedl mUltipli.d by ~,. (ollow,nl (r3C"o~: (>lIft. to,>I amount 01 liI. sums lecured imm<<!i.t.ly belore Ill. lOking. divided by (b) Ill. f.ir muk.t Vllue 01 Ih. Prop."y nnmodi.,.ly belore lhc taking. Any balane. shill to paid to Borrow.r. In the .v.r.t 01 . pmiJllDkir.1 01 ,~. Propeny In which th. flir muk.t valu. 01 Ill. Prop.ny inunedi."ly b.for.lll. I.1king i, I.ss Illan liI. 3l1l0unt 01 Ill. sums sceurOll inunedt"e1y belo,. ,h. taklog, unless Borrow.r ..'ld l<:nd.r olil.rwise as,,,, in wrilin~ or unless Ipplienbl. I.w oth.rwis. provides. Ill. proc.edl shJlI b. Ippll.d 10 Ill. sums lecured by this SecunlY lnsl:Ul!ll:nt whelller or not Lb. swns an: Illen du.. II liI. Prop.ny is Ibandooed by Borrower. or il. alt.r nOlic. by Leod.r 10 Borrow.r liIatll:e coodemnor 0(1." 10 r.uk. an award or setLle a claim (or damages, Borrower i;.:;~ :0 respond to Lender within 30 d3YS: 3fter fh~ d31e the nolice is ~iven. Leader is lulilorized 10 .ollecl and apply the proceeds. al its oplion. .ill:er 10 r.storalion or rep.ir o( I~. Prop.r:y or to tho sums seeured by this Security InslNment, wh.lll.r or nOllhen due. Unless Lend.r IIId Borrow.r oth.rwise agree in writing. any .pplic.tion 01 proceeds to principal shill nol ..t.r.d or poslJlon. the due dlt. 01 liI. monthly plyments r.'.rred to in paragr.phs I and 2 or chlllg. the amount 01 ~Jch p"ymenu. 11. Borrower Not R.lensed: Forbwance By L.nd.r NOI n Woiv.r. E.tension 01 Ill. time lor pay:ner.t or modifientioo 01 amortizatiOD 01 the sums seeured by Ihis SeeurllY 10strUm.nt grant.d by t.nd.r to any successor in inl.rell 01 Borrower Ihall not operate 10 relca.se the liability of the original BofTowC'r or Borrower.s succes.sors in interest. Lendc:r shall ncl ~~ requl:ed to cOrJUnr:ncc proceedings against any successor in intt::':'e5t or refuse to c;ucnd time (or payment or otherwise modify amoniz:ulon of liI. sums secured by this Security Instrum.nt by relSon of VlY d.mand tr.od. by Ill. original Borrow.r or Borrower's successors iD interest. Any lorbeoran.. by Lend.r in .xercising any right or remedy shJlI not be a waiv.r 01 or pre:lud. th. ...rcis. 01 lilY right or remedy. IZ. Successors .nd AssIgns Bound: Joint and Several Liability; Co.sl2J1ers. Th. cov.nantl IIld 'greement. of Ihis Security InslNIllOllt shall bind IIld beo.fil the successors and ..signs 01 Lender and Borrow.r. subj.c. '0 Ihe provisions 01 paragnph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co.signs this Sc:::urily lnsINlllCDI but does DOl .xecut. liI. Note: (a) is ro.sigr.ing this Securirj loslrumen' only 10 mongag.. grant ..,d conv.y tha, Borrower's interest in the Propeny und.r Ill. t.nns 01 this 5<curil)llnstrument; (b) is not pel'Sonllly oblig'led '0 pay Ih. sums secured by this Security InstrUment: and (c) agrees th.t t..."d.r and ",y oth.r Borrower may agree to ...er.d. modify. forbear or make any acccmrnodalicas with regard :0 the terms of this Security Instrumeot or the Note without that Borrower's consent. 13. LOAD Cbarges. If the loan seo.:red by this Sc:curity Instrumeot is subject to a Jaw which sets m:u:imum loan charges. and liIat Ilw is finally inlerpr.ted so tlut t,. int.resl or olhe, loan charg.. rolleel.d or to be .oll.cled ir. conn.clion wilh Ill. loan .xceed lhc pennilled Ilmiu. then: (a) any such loan .harg. sholl b. r.duced by the amount necessary to r.duc. the chtll'g. 10 the p.nn111.d limit; and (b) any sums already coll.cted Irom Borrow.r which ....eded p.nn111.d Iimi,s will b. "fund.d 10 Borrower. Lender may choose 10 make this refund by reducing the principal owed under the: NOle or by making a direct payment to Borrower. If a refund reduces principal, the reduction witt be treated as a partial prepaymenl without any prepaymCllt charg. und.r the Not.. 14. Notices. Any notice to Borrow.r provided lor in Illis Security Inslrumenl shJlI b. giv.n by delivering il or by mailing it by first class mail unless apptiC3bte law requires use of another method. The notice shall be directed to the Propeny Address or any other address Borrower designaces by notice to Lender. Any notic:: to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designatcs by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have b~t:D given to Borrower or Lendcr when given JS provided in this paragraph. tS. Governing Law; Severnbilily. This Security Inslrument shall be govem<:d by f.derJl law and the I.w Oflh. jurisdiction in which the Property is located. In the event thaI any provision or clause o( this Security Instrument or Ihe Note conflicts with applicable law. such conflict shall not affect other provisions of this Security Insuument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Notc arc declared to be s.v.rlbl.. 16. Borrower's Copy. Borrower shall b. given on. conlonned copy 01 th. NOle and of Ihis S.curity lnstnlm.ot. '." F3. G .6R(PAJ 194101,03 .. '1'IIl8Is:L/< Form 3039 9/90 J>.~." III II :~ '- .' . . . 11. Tr:an.sftr of Che PrOpt'rt1 or I Dtncntt.all.nfurM in 8UrrfJW~r. If a.ll or;my pm of lhe: (Jropeny or.1l1Y Ir,lcm~s' in II is sold or u'wrcrred (or if J bcndicl1J mlerell :n DorTtJ.....er IS "'lId or tnnsfcn'cd .mtJ Hnrrower u, nol a n)hlrll rerton) WllhOUI Lender's pnor wnlCcn conser.I. Ltndc'r rr.l)', ..t lit l1{lU(m. ((''lIme Immc,dl.1IC p3ymer.t 1:1 t'JII of all sums ~cure;t '>y lhis Securily Insrrumenr. However. 'his Oplln:11'ull no, ~e e'c:'cl~ by Lender If e'crclSt IS prohlbl:cd by fedcull.1w u or Ihe' ~;11C of Illi. Sccurily In'lnllllCllI. If Lender exercises (hiS OiUlon. t...e:'ld~r stllll '1\'': Bor:ower nOlicc of acc.cJer.1llon. The nOlice: sh1J1 provide J period or' nOI less (h,an 30 d3YS (rom the dIne the nOUCe u "th~e,nJ or mJ.Ilt'iJ ""1111111 w~i,h Borrowt'r mUSl pJ)' .111 'UrN 'C'tur:'fJ ~y Ihu Scturlty fnscrumen(, I( Bonower (,\lls to p"y thne sums prior [0 the c:(rUnIIOn uf !~US per:od. Lender mJY Invoke 1l1Y rer:-.edles pemulled by !Ju, Security Inlllluntnt wllllou: rur.~er r.nllce or demand on Borrow.r. 18. Borrower's RJgbc '0 RrhutOltc. If Darrower meets cen~n condil:ons, Borro\Aocr sh:aJ1 have: the right 10 tuve eaforce:ncnl or Ihis SLocum)' Instrumcr.1 d;$conunue~ ,1& ~y firne priur fu the Q."lier of; (01) 5 d3Ys (or suc:' olhe, pC't1lJd as applicabl. law lI1.1y 'pecify for reln.s:.uemcoll before ,.1lc of the Ploper.y parsu:l/ll 10 any power of ,>I. conlJined :n tIIi, Sc:twiIY In'trumeol: or (b) enlry of . JU~'IT.COl enforCln, IllI1 Security l..tl\llmnl. Tho,. condiliolU .re Ill.. Borrowe" W P'Y' Lender all lUm.s which Ihen would be d,. under IhlS S.curity llUtnum:nl and the Note os if no .".!munn h.d occurred: (b) cures any defaulc of any other covcnants or Jlrcemcmcs: (c) piY" .111 expense:; lr.c:Jrred In eniorcing IhlS Sec;un.)' Inslrument. incluclin" but nOllimiled to. r.-tUbl. allomeys' f..,s: and Cd) t>ke. .u.h action .., Lender may "'..,onably require to OS'ure Illatllle lien or Ibis SecarilY In'UWlleDl. Lende,', riRhlS in !h. P:openy ond Bol':'ow,,', obit gallon 10 pay the ,um"eculed by this Security Instrument sball continue unchanged. Upon rCInSI.1temc:nl by Borrower. Ihls SecurilY Instrument and the obligallollJ ,ecured heleby ,holl rCllllill fully effec'ive :u ir no ."elelllion h,d occurred. Howcver. IhlS rlShlto leonll"e ,hall nol apply in th. .... of acceleration unds.'f pll:lgraph 17. t9. Sole of Note; Ch,nge or Lo,. Servicer. The ~ele or . p:lrlio1J inter.,c in the ~ole (toge<l:.r willi ~~i, Securily wUUmenC) nu.y be sold one or morc tLT.eS without prior notice to Barrowe:-. A s:1le r:uy rcsu:1 in 3 change in the enlity (known II Ille 'Lo"" Service,') Ib:u COlllXlS IOOnthly p'Ylr,,"" due ur.der the Not. :!Ild ~,j. Security Instrum.nt. There .Iso may b. one or morc ch""ge3 of Ill. Loan Servicer ur.rellled 10 , ,01. of the Not.. Jr !hcre is a ch:1llgc of 'he Lom Servicer. Borrower will be given wriu.n notice of the cbong. in occord..c. with p=grnph 14 .bov. ond applicable law. The "olice willllOl.the nam. and address of Ille new Loan ServiCl" ond 1/:. addre.. 10 which paymenlS should be made. The noric. will 01$0 cont.in ony olh.r information required by .pplico!lle law. %0. H=rdous Substances. Borrower ,holl nOI ...use 01 pennit Ibe prestn... us.. di,po.o1J. sloroge. or r.le.,e of a.~y Hazonlous Substances on or in Ille Propeny. Borrower .ho1Jl nOI do. nor allow anyene el.. 10 do. lilY thing .rrecting Ih. Propeny Illll is in violalion or any Er.vironmcntal 13w. The preceding two .entences .holl nOI apply 10 Ih. p,.,ence. use. or storage on Ihe PIOpeflJl of .moIl quontilies of HlZ3ldous Sub.lonce, Illal ore generally recognrzed to be appropri..c In normal residential uses and 10 l1101intenlllce or the Property. Borrower sh.1l1 promptly give Leader wriuen notice of my investigation. claim. demand. l.1wsuic or olher .1clion by an)' govemmenlaJ or regul.tory .gency or private P:lrlY involving the Propeny ond 3l1Y H:lZ.:U'dous Substonce or Environment.1 Law or whieh Borrower has actual knowledge. If Borrower IC3ms, or is nOlified by 311Y governmental or regul.IlOry authorilY. chal any removal or other lemedialion or any H=:dou, Subst..c: ,"ecting th. Propeny i. nec.swy. Borrower sholl promptly t>k. all necessary remedial actions in accordance with E.,vironmr:nlaJ Law. As used in Illi, paragraph 20. 'Haz:ueous Sub.I.1Il.... "'e Ibose ,ubSl:lnces defined as loxic or h=:dou, rubllonc.. by EnvironmenraJ Law and the rallowing subslances: gasoline. kerosene, othcr flammable or 10xic petroleum products, loxic pesticides:md herbicides. yolatile solven1s. materials containing asbes10s or formaldehyde. and radioactive materials. As used in this paragr.Jph 20. "Environmental Law. mea.,s federal laws and laws of the jurisdiction whe:'e the Propeny is located thai relate Co bc:lJth, safety or cnvironmccl..11 protectioa. NON-UNIFORM COVENANTS. Borrow.r:llld Lend.r funher COVerton! ond agree"" follows: 21. Acceleration; Remed1es. Lender shall give notice to Borrower prior to acceJeration following Borro~er's breacb or any covenant or agreement in tbis Security lnsCrwneDt (but not prior to acceleration under paragrnph 17 unless appUcabt. law provides othcrwi.!;e). LeDder sball nOlil'y Borrower or, among other 'hings: (a) th. der,ull; lb) Ihe action requlred 10 cure Ibe derault; (c) when the defaull musl b. cured; ,.d (d) that faUu,. 10 cure Ih. der.ull os specified m"y ,esult in acceleration ot the sums secur.d by this Security Instrumen" for..lo.ure by judicial p,oceeding and sale or Ihe Property. Lender shall funhcr inform Borrower or lbe r1ghllO r.instate arcer .cceler.lIon and lh. righllo ass.rt in Ih. foreclosure proceeding the non-existence or a default or any otber defense of Borrower to acceleration and foreclosure. If the default is Dot cured as specified, Lender, at lts option, mny require immediate payment in full or all sums secured by this Security Instrument without further demaod aod may foreclo.e Ihis Security Instrument hy Judicial procc<ding. Lender shall be enUtled to collect aU e.'<penses incurred in pursuinl: the remedies provided in this paragraph 21, Including, but not Umlted 10, allorneys' rees and costs of titl. evidence 10 the exlcnl pennilled by appli..ble law. 22. Release. Upon paymenl of aJl sums secured by this Security Instrument. this Security Ins!rumel1l and the estate cor.veyed shallt.nniM'. ond become void. Arter ,uch occurren... Lend.r shall di,ch"'gc :1IId ...isly Ihi. Security Instrum.nt without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower. to the extent perrnitt:d by applicable law. waives and releases any error or defee[s in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay or e~e~:.Ition. eXlension of time. exempcion from attachment. levy and sale. and homestead exemption. 24. Reinstatement Period. Bot:'ower's time to reinstate provided in paragr:1ph 18 shall extend 10 one hour prior 10 the commencement of bidding at a sheriff's sale or other sale pursuM1t to this Security Instrument. 25. Purchase Money Morteaee. If any of the debt secured by this Security Instrument is lent to Borrower (0 acquire: litle '0 Ill. Propeny. thi. Security Instnunent shall b. . purchase money mongage. 26. Interest Rate After Judcment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mongage foreclosure shall be the rate payable from time to time under lhe Note. ~i :z i-" r,i G .GR'PA) 190&101.03 .. l".t"II~ Form :3039 9/90 p,.,!Il1le '. . . ~7, R1duSIO this S<curtlY Im1rumrnl. If on. or more n~." uc Ueculed by Borrow.r :lJ1~ recorded lo,ether wilh Ihis Securily 1IlS1nImCIII, lbe eoymlllll and 'greemenu of .leh su.h nder shall be InCOrponled inlo :IIld shill am<nd and supplemenl lbe COYCll2l\lS and aereemcnll of Ihtl ScCIInlY InslrumenllS If the rider(s) were I pan of this Securily Inllrum.nl. [Cbeck applicable bo.(cs)) ~ AdjllSlabl. Rile Rider Gndu1Ied P'yment Rider B011000 Rider V A Rider ~ Condominium Rider 8 1..1 Fll1lily Rider Plann.d Unil O.....lopmer.t Rider Biwcekly'Paymcnl Rider R.te Improyement Rider Second Hom. Rider Other(s) (specifyl ATTACHED LEGAL BY SIGNING BELOW, Borrower .ee<pu and ,crees to Ihe terms and .0Yen:lJ1IS conl,ined in Ihis Sco:urilY rnSlrumenl and in OIly rider(.) ClCCUled by Borrower '"" recorded ..ilh il. WIllIeues: .I?~ BRYAN L. SMITH ?......&'S:::- (Se.1I) .Bc'lrrowcr' (Se3l) .Ber.vwtr (Se.1I) .Barmwcr (Se.l) .Bormwer Certtnco'e or Resld.... I, Debra L. Kerr lb. wilbin-named Mong.gee is 2229 14th . do hereby cenlfy Ibat Ih. correCI .ddress of PA 17110 Witoess my hand this d.yof COMMONWEALm OF PENNSYLVANIA, On this, the 14th day or personally.ppeored BRYAN L. SMITH Debra L. Kerr DAUPHIN Agene 01 Mortg,Jg= County ss: March 1998 . before me. Ibe undersigned officer. . known to me (or sati.factorily proven) 10 be the person whose name ; s subscribed 10 the within instrument and acknowledged thai Ishe excc\ltcd lhe S:III!C for the purposes hcrein cootained. IN WITNESS WHEREOF. 1 hereunlo set my hand :IIld official seal. My Commission Expires: G .6R[PAIIIl4,OI.O:S .. _Seal l>oIgnlO.5In",NolIIyP- Ha""buIU. Oaupl1ln Caunly MyCommlaslon~sOec.10.2001 MemDet, PemsyPian18 Association of N8tIInllfllll itle or llicer Form 3039 9190 .' . ~4 . , .~..... Tract No 1: Beginning at a pOlnlln tho approxlmalo center of llle 010 CarliSle Roao. at or neor the location of a telephone pole; l/IClICO olong the line is selo roao end lande now or formerly of BenJemln F. Orlllle, South 13.1/2 degrees West 363100110 e point In the approxlmalo conlor of sold rood; thonce elong ol/lor lands now or formorly 0' W~IIam M. TNmp end croS9lng Hunlor's Run. NoM 74 dogrees EaSl250l 'oello e polnl (Iron pin); thonco .tlllalong otnor lends now or formerly of the soid WHilom M. Trump ond rocrosslng Huntor's Run, North 22.1/4 degrooo Wast 258 feet to a pOint (an appls l1eo on Iho Wesl bank of the said Hunter's Run); thence sllll olong other lends now or formerly 01 tho said Wllllom M. Trump. North 4g.1/4 dogroes Wost 88.5 leet 10 a point, \he ~Iece of Boglnnlng. Containing One (1) aero. 17 perches end 198 squara feel Tract No.2: On the NoM by land now or lormerly of Wllllem Trump end lond now or formerly of Fred D. Shoaffer, on the Southso.t by land now or formorly of tha Wllllom Cox Estato: and on the West by lI1a epproxlmate oenlar of Ihe Old Carllslo-Geltysburg Road: bolng a triangular sl11p of land sltuele on the oestern sldo 01 sold Rood, botwoon the land now or formerly of \he WDHem Cox Estele and land now or fOm1erly of Wllllem Trump end land now or formerly of Fred D. Sheaffar. KHOUH A': 45J OLO SrAI! ~O'O lAx 10' 40-JI-Z545-0U/ COHHOHY , ... .' \. :- ., ':. '. EXHIBIT "c" , , ~ r ~l , I f :,/ , " 'i.:::..' ! ' f!)'f& Ut~ I' II I ,. !.,'.,' ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works, If you need more information call the ~ Pennsylvania Housing Finance Agency at 1(800)342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA, ACT 91 NOTICE IMPORT,\~: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE RE,\D THIS NOTICE YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS RE: Account No. 0001741834 535,000.00 Note dated March 14, 1998 to Alternative Lending Mortgage Corporation TO: Bryan L. Smith 463 Old State Road Gardners, PA 17324 FROM: GRENEN & BIRSIC. P.C., ONE GATEWAY CENTER - NINE WEST PITTSBURGH, PENNSYL V ANlA 15222 ATTORNEYS FOR IMC MORTGAGE COMPANY, Successor in Interest to Alternative Lending Mortgage Corporation DATE: September 22, 1998 You may be eligible for fmancial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. 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 a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. 'i' .,.. '-~i ~ '.i' 'h Brylll\ L. Smith September 22, 1998 Page 2 The name, address and telephone number of thc lender's representative is: 590 I East Fowler A venue Tampa, FL 33617-2362 Attention: Rick Riggs Telephone Number; (800) 776-2211 X 2292 -. .:- The names and addresses of the designated consumer credit counseling agencies are as folIows: Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, P A 171 0 I It is only necessary to schedule one face-to-face meeting. You should advise the lender inlmediately of your intentions. ,j; YOUR MORTGAGE IS IN SERIOUS DEF AUL T because vou have not made the monthlv pavments of $452.37 (each) for the months of April 21. 1998 throul!h September 21. 1998. Late charges have also accrued during this period in the amount of$67.86. The total amount required to cure this default as of the date of this letter is $2.782.08. The per diem interest rate is $14.72. ) .1 , J -' If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for fmancial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency wilI assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. I} ~I : ,'" ,- l It is extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. ~. . ,~ L i ",,'~ II ('. :!r'" ~r, rr ,- '1'1" 1'--- " ,I [i I, r Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. Bryllll L. Smith Scptcmbcr 22, 1998 Page 3 It is cxtremcly important that your application is accurate and complete in every respect. The PeMsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure procecdings will be pursued against you if you have met the lime rcquirements set forth above. You will be notified directly by that Agency of its decision on your application. The PeMSylvania Housing Finance Agcncy is located at 2101 North Front Street, P.O. Box 8029, Harrisburg, PA 171 05. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free numbcr). Persons with impaired hearing can call 1-800-342-2397. In addition, you may receive another notice from the lender under Act 6 of 1974. That notice is called a "Notice ofIntention to Foreclose" . You must read both notices since they both explain rights that you now have under PeMSylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, AM // /-' ~~~ ;f~~ ,/ . /'. 2/- Kimberly J. Hong KJH/jls FIRST CLASS lYlAIL, POSTAGE PREPAID TInS IS AN ATTEMPT TO COLLECT A DEBT, AND AL'IY INFOR1\<1ATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT "D" AnUR,...U'SATUW GIlESt:S & nlll~IC, r.c, O"L GUEWAvCr.tma ~l~[ WLST PrnSDURGII. P(JrllNSYLVANI.-. U2:Z HI:I:SI.76'O FAX (~I:) 281.1657 Seplember 22, 1998 Bryan L. Smith 463 Old State Road Gardners, PA 17324 .. ,:' Re: Notice orIntention to Foreclosc Mortgage; IMC Mortgage Company, Successor in Interest to Alternative Lending Mortgage Corporation; Account No. 0001741834; Note dated March 14, 1998; Bryan L. Smith. Dear Mr. Smith: The MORTGAGE held by IMC Mortl!al!e Companv. Successor in Interest to Alternative Lending Mortgal!e COll'omtion. (hereinafter "the Lender") on your property located at 463 Old State Road. Gardners. PA 17324 IS IN SERIOUS DEFAULT because you have not made the monthlv paYments 0[$452.37 for the months of April 21. 1998 through September 21. 1998. Late charges have also accrued for this period in the amount of $67.86. The total amount required to cure this default as of the date of this letter is $2.782.08. You may cure this default within THIRTY (30) DAYS of the date of this letter. bv Daving to the Lender the ahove amount of $2.782.08. plus anv additional amounts which mav fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made atlMC Mortgage Companv. 5901 East Fowler Avenue. Tampa. Florida 33617-2362: Attention: Richard Riggs. ~ , ; " If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its right to accelerate the mortl!age payments, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Progmm. This means that whatever is owing on the original amount borrowed will be considered due inunediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount in default is not made within THIRTY (30) DAYS, then, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Program, the Lender mav also instruct its attomevs to start a lawsuit to foreclose vour mortgal!ed property. If the mortgal!e is foreclosed. your mortl!all'ed propertY will be sold bv the Sheriff to pay off the mortgal!e debt. You will have the right to assert in any foreclosure proceeding the non-existence of a default or any other defense that you may have to acceleration or foreclosure. If the Lender refers your case to its attorneys, but you cure the default before they begin legal proceedings, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00, in order to cure the default. However, if legal proceedings are started, in order to cure the default you will have to pay the reasonable attorney's fees, actually incurred, even ifthcy are o,.r $50.00. and lOU lIIay also be r<"ljuired. .ay the Lender's rcasonahle costs. Ifvou curc the default within the thiny-da\' pcri,,,!. y"u will not he rcquircd to pav attomev's fw. If you have not cured the default within thc thirty-day period and foreclosurc proccedings have begun, you still have the riQht to cure the dcfault and prevent thc sale at anv time up to onc hour before the Sherifrs foreclosure sale. You mav do so Iw pavinl; thc total amount of overdue pavments plus any late or othcr char~cs then duc. as wcll as the rcasonablc attornevs' fces and costs connected with the foreclosurc salc, and perlorming any othcr rcquircmcnts under thc mortgage. It is estimated that the earliest date that such a Shcrifrs sale could be held would bc approximately m days from the date of this notice. A notice ofthc date ofthc Sherifrs sale will be sent to you before the sale. Of course, the amount necded to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will bc by calling the Lender at the following number: Richard RiQ~s 1-800-776-2211. EXI. 22Q2. This payment must be in cash, cashier's check, certificd check or money order and mUSl be made payable to the Lender at the Lender's address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in thc propcrtY after the Shcriff's sale, a lawsuit could be started to evict you. You have additional rights to help protcct your intercst in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE THE RIGHT TO HAVE TIllS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAi'Vl IF YOU RECEIVE A SEPARATE NOTICE ABOUT THAT PROGRAi\<1. Ifvou cure the default. vou will have the ril!ht to pav off the loan in monthlv installments as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, 1&w!U,)k f.#c~/ Kimberly J. Hong, Esquire KJH/jls CERTIFIED MAIL, RETURJ'l RECEIPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREPAID THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMA nON OBTAINED WILL BE USED FOR THAT PURPOSE I, 1.\ I l i{ fI I Ie ~.' U ! ~ /," [. , L ~ ': I ,... r-. '- ct; ..:1 e; is ,~) :._) ,~ " Ic.:;) , ) c , < - j+: (.J.. .:, c:;; . c\ \.1') ~U '" I ;;.-.: fi: , =--: , ~J " -. '-'- ;- -- ." 1.J.. 0' :J C cr, (J '\: (MC MORT<iA<iE COMPANY. PlllintilT IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA t; .\' i' , BRYAN L. SMlTll. Dcli:ndant NO. 98-6865 CIVIL TERM \'. <:IVII. ACTION. LAW ORDER OF COURT . t' i' AND NOW, this 1 ( ,Iilay of April. 1999. upon consideration ofthc within Motion for Servicc of the Complaint in Mortgagc Foreclosure Pursuant to Special Ordcr OfCllurt. it is hcreby ORDERED, ADJUDGED and DECREED that Cumberland County Sherin' is hereby dirccted to serve Delcndant with a true and correct copy of Plaintiffs Complaint by posting the property at 463 Old State Rd., Gardncrs. P A 17324. cost lor thc samc to be bornc by Plaintiff, and Plaintiffis pcnnittcd to scrvc Defcndant. Bryan L. Smith. by certificd mail, return receipt requested and first class mail, postage prepaid, at 463 Old Statc Rd.. Gardners, I "'I PA 17324, and by publication once in the Cumberland Law Journal and in a newspaper of general circulation in Cumberland County. Thc service by mail shall be deemed eornp1ete upon mailing. BY THE COURT, J. :/ I /// , 1/ ',: ( .' . / /v.~, C. - '\ esley Oler, eJf,.' J. Ii / // . / v'L '1 . . Kimberly J. \-long, Esq. c.~jo',c",,'" "n.clt<C Michael C. Eisen, Esq. One Gateway Center-Nine West Pittsburgh, P A 15222 Attorneys for Plaintiff :re 'f!.J.r..,/q'i ''1/- ....., IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYINANIA IMC MORTGAGE COMPANY CIVIL DIVISION No.: 98-6865 CIVIL Plaintiff. vs. BRYAN L. SMITH Defendant. MOTION FOR SERVICE OF THE COMPLAINT IN MORTGAGE FORECLOSURE PURSUANT TO SPECIAL ORDER OF COURT AND NOW, comes the Plaintiff, IMC Mortgage Company, by and through its attorneys, GRENEN & BIRSIC, P.C., and files the within Motion for Service of Complaint Pursuant to special Order of Court under Pennsylvania Rule of civil Procedure 430 as follows: 1. On or about December 4, 1998, Plaintiff filed a Complaint in Mortgage Foreclosure against the Defendant, Bryan L. Smith, at the above-captioned number and term. 2. On or about December 4, 199B, Plaintiff delivered to Cumberland County Sheriff a copy of the Civil Action - Complaint in Mortgage Foreclosure filed by Plaintiff at the above-captioned number requesting that the Defendant be served a copy of the Complaint at his last known address being 463 Old State Rd., Gardners, PA 17324. 3. On or about January 4,1999, Plaintiff received Notice from Sheriff indicating that four (4) attempts were made but Sheriff was unable to serve Defendant. A true and correct copy of the Sheriff's Return is marked Exhibit "A", attached hereto and made a part hereof. ... I I .- :",;'.7::: " " " : ':: :" ! ',' ~ !,J :: ':'1-11.11;-" ,,-. "'q , .:::! ~ 1 :"/ :.. ",: r.~: : .', ''lY.t ,i Zlj(" ,'. _.- ,-.;~ .::::' - ~ .... . .' " .-: . 2l:L;_I:J __~~f~::':~'.'_. -8..:-. Th '7...:!1..:~.::z.. .:l..~_': .0..::=:"'___4__'~___ .,-0:;, .:' :. ~::j -~'1 : .F,': -.': ::':':I.~ ': I') l:::~''''. ::::-;"12. ;...r;.;.l. :1'7 "1 :,'; ',", ~1 ..... .',,",... :",':J...: rl ".f,; . .. :l-? " _. lo,l; n~:j,r;'!-?:::f . - . . 'J.,;'::.? "-l':'~ ~-,~:::. :' .., - ':. : _ :-l':}:.:;:~ ~S.1!~11.__-_____._._. _._ b !)~ ....::1:; I~:-,;:':;.":' -? ~I ': '3 ..~ 0:." _r~L~:'!._ :. .;il ~ .. .: .T' .-;:-': '-.::- -. +:hE N::}T! ':-~...i~IZ::.~=~:':~ ~,AI1~7__:i'--_ t! lJ~:I.s. AGE .f...2~~~~.~~;:'~U;:;. S__________._.__.____..__._ N;:IT F'CIUri1:.~_.. ~~ t~ th~ ~:-~~:I ~~~?~ ci~i?nj3' ~ S~. ~I~. :"2"( !'.~L.~__~_.~.______._____ ____.._________.___ [ISF'T..:.- c::)Ui:-=-I~_U.C.L~.=:._.3_~5"lS_Q ;:.;:;; =_': ::: _:~~_D;i:.;.E/.~ .:': :__._..____~__.~.______~___. - ,-- !.t.~ I .>:. .; r\ TTS~;? T.3 ~l~~__~lJl.~~.;:_____.......____.___~..~_...._._. Sh~rii!'s ~~~~~: r.h'c~>=t 1. j: 'J 3er'li.::'? A:f.:.:..,j0._.~~t S';r.-:ha:-.:::':::. c' ~~~ 1 E; '~v:-) , :'4 ~. 'Z;C: ___ ......~---.--or-'_. --- .' 1~''71 :".. : n:'''.;;:-: :',':"::"',-:'. /:-,r:er~ t.: ~:i:",. ::::r G:::Sli::::~! Zll " i!i~; .' ::; I ~;':, I ': .. :l,:""? Sworn and ~tlb2critej .~ ~ei0r~ m~ t h i. 3 __~_~___j:;: 'I '_... 1 :J . ~. r.. -+---~ :-' =- .:,"7':~;~3r~:I----------- l~~ No. : 90-G8GS CIVIL IN THE COURT 01" COMMON PLEAS OF CUMBERLAND COUNTY, I'ENNSYJ.VANIA IMC MORTGAGE COMPANY CIVIL DIVISION Plaintiff, VB. BRYAN L. SMITH Defendant. ~ " AFFIDAVIT PURSUANT TO PA. R.C.P. 430 COUNTY OF ALLEGHENY SS COMMONWEALTH OF PENNSYLVANIA Before me, a notary public, in and for the foregoing county and commonwealth, personally appeared Michael C. Eisen, of GRENEN & BIRSIC, P.C. attorneys for Plaintiff and deposes and says that the following accurately reflects efforts made to ascertain the exact whereabouts of the Defendant named in the above-captioned matter: a. On February 26, 1998, Plaintiff mailed to the United States Postmaster at Gardner PA, a request to be furnished with the forwarding address of Defendant, Bryan L. Smith. b. On March 8, 1999, Plaintiff received response from the United States Postmaster indicating that the Defendant live at 463 Old State Road, Gardners, PA 17324. A true and correct copy of said response is marked as ','; Attachment "A", attached hereto and made a part hereof. fj'\< c. Examinations were made of the Gardners Area Telephone /~ ~ Directol'y; :laid examination continnpd fJ'.,t"ll(bllL, BIYiHl L. Smith La be living at 463 Old Stilte Hd., GiInlllerll, PA 17324. d. Examinilt ions were m<:1dc of the CUlllbt'rland County Voter Registration Records; said examination failed to yield any useful information regarding the whereabouts of the Defendant, Bryan L. Smith. e. Plaintiff conducted a computer search to determine the ~ exact whereabouts of Defendant; said search confirmed Defendant, Bryan L. Smith, to be living at 463 Old State Rd., Gardners, PA 17324. Finally, affiant deposes and says that after the foregoing investigation, the Defendant is believed to be residing at 463 Old State Rd., Gardners, PA 17324. { , , GRENEN & BIRSIC, P.C. BY: y(2JJf! E".......... Kimberly J. Hong, Esquire Michael C. Eisen, Esquire Attorneys for Plaintiff One Gateway Center-Nine West Pittsburgh, PA 15222 (412) 281-7650 , i, 'I . . . I \. .~ Sworn to and sUbscribed.be~re me this //.~ day Of(';~ , , 1999. It . o 0;;1/ 1If#a?;; LJ -Not~:J NOlaria! S~uJ Ai!;:on M. Larko, Notary Public PJllsb,urQh, I\Jlogl1rm COlJnly ,,,~~~,~~nm,:~~: ~~~~~=~~~~ '~;: :~~,O:;,. ItO ..0;0 IN TflE COURT OF C(),~r'.ON I :.Fr,:: (,I' ('Ur.1BEI\L.ANI! COlJl;',"(, PENNSYLVANIA IMC MORTGAGE COMPANY, ('1 VI L DIVISION Pl"illtiU, tkJ. : SIR ~ G8G'>"C IVl L vs BRYAN L. SMITH, Defendant. PRAECIPE TO SETTLE AND DISCONTINUE IoIITflOUT PRE,JUDICE TO: PROTHONOTARY SIR: Kindly and without prejudice the settle discontinue above-captioned matter and mark the docket accordingly. GRENEN & BIRSIC, P.C. BY: d~fL. f71'~-- Attorneys for Plaintiff Sworn to and subscribed before me this,~~ 17c// day ofl &1/?:/i'/ , ( ;ic{eIJ l/lli/(/f? Notary Public 2000. Notarial Seal Aileen M,tarko. Notary Public P,ttsburQh. Allegheny County My CommiSSion Explres Nov. 16. 201J;;! MembfJr, Pennsylvania .'\ssoclalion at N0I!7'8S :~, '>- - ..... i:~ '" t-: ;~~ ,:~ " ~J.I ~ .,: C)....: ) : F;': '.- , ;"':"1 <.-ri : (" - L.. '" , , - .-' C . ; I - .', , ;)- , IL \.-:-.. ~3 \,:) c;l C1 ~, P')