HomeMy WebLinkAbout98-07004
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*Together with interest at the per diem rate noted in (bl above
after January 1, 1999 and other charges and costs to date of
Sheriff's Sale,
The attorney's fees set forth above are in conformity with
the Mortgage documents and Pennsylvania law, and will be
collected in the event of a third party purchaser at Sheriff's
Sale, If the Mortgage is reinstated prior to the sale,
reasonable attorney's fees will be charged that are actually
incurred by Plaintiff.
S, No judgment has been entered upon said Mortgage in any
jurisdiction,
9, Notice of intention to foreclose and accelerate the
loan balance pursuant to Pennsylvania Act No, 6 of 1971 is not
required in that the original principal balance exceeds
$50,000,00,
10, Defendants are not members of the Armed Forces of the
United States of America, nor engaged in any way which would
bring them within the Soldiers and Sailors Relief Act of 1940, as
amended.
11, Plaintiff has complied with the procedures required by
Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage
Assistance Payments Program) and Defendants have either failed to
meet the time limitations as set forth therein or have been
determined by the Housing Finance Agency not to qualify for
assistance.
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NOTE 1/11~ ~ 10111 JIll O',~.1l10
L\ ) Co,"" JIll I j Wi 7 -.lOiIl'^
TillS LOAN IS NOT ASSUMABLE WITIlOUT TIlE
APPROVAL OF TIlE DEPARTMENT OF VETERANS
AFFAmS OIt ITS AUTHORIZED AGENT
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July 22nd, 1993
(Date I
CJIMI'IIllL
ICHyl
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I'ENtlSYLVNU^
ISt;ltrl
21G ^ 5'l1J::E'r, CJ\HLISIE, Pl:J~USYLVl\JU^ 17013
IPrnllClly ^dtlfc~~1
I. 1100UtQ\\lm'S l'UOMl.SI~ TO I'NI'
In return lor:t 10:'10 Ih;!,t I h,wc rcu::ivctl, I f1tomi~e 10 p:'l)' U.s. S60,850.00
(Ihi, amounl j" ("lIet! ~prillcip,ll"), rl\l~ inlctc!ot, In the ofl.lcr or the under. The Lender j,
FIRST NJVNITlGE fORTG^GE OJRroRJITIOO
11I1IdCI\I:lud
thAI the Lender mny (r;m!.rcr lId, Note. The Lemler or n.nyone who tl'lk.C~ thi, Nol: hy H:'Il1,rcr :'llld wlln j, entitled
10 receive p.'l)'mcnll untler thi, Nolc 1\ c.l11ctl the "Note IInldcr."
2. If\lTEltESl'
Inlere!ot wi!! be ch:'lq;cJ on unp.1id ;ninc;pal unlillhc rull amount or princip:tl oM hec" p.,icl. I will p,'y
interest It II ye:uly rate or 8.000 %.
The in teres I r..le requireJ by thi~ Section 2 i\ Ihe rnle I will pOly hoth hdme nod din ,'"y Ild:iUlt de~crihcll in
Seclion 6(0) or thi\ Nole.
3, PMlIlENTS
(A) Time .nd l'ht(~ Ilf l'all1lrll'-~
I will pay pti~dp:'ll11nd inlClt,t h)' ;~\;tkin!; p:J)'mcnl~ every month.
I will make my monthly r.,ymenl.. C,lI the lr.t ,by or C:'llh monlh hq.illllin~ 01.
Scptcni::>r'-L' 1st, 1993 I ...ill mnke Ihe..e r:lymenl\ evcry {1lnnth Ulllill 1I:",c pnitl :tll fir
the princip.,l ~od interc"l nOli ;tny olh.:~ ch:\lr,c.. ,1c\uih4::,\ hdow Ih:l.' I may owe !JOIler Ihi\ Nnle. My mnnlhly
(3)':nenls ~ill hr :'\pplitd 10 in(crc\\ hel-He ptincip:ll. H, on J\Ugur.t 1st, 2023
I still owe nmount\ unuer (hi~ Note" I will pay thme amounl\ in rull nn th"t d:'lIC, ",'hieh i\ enlled Ihe "M:-Chllil)'
Dale."
I will mnite my monthly r;trmel~l" .1~ finO HooLe 1C8, Colurrbia, M.uyland 21045
Ilr ~l' :'I diUcrcnl 1,1.1ce if
required by th~ Nnle Ilnltler.
(nl ^mctlln( of I\lIlnlhly 1'.4)1111'11/\
My monlhly l1:1ymenl will hl.' in Ihe .JIll,'unt of U.S. $ 505.20
4, nOnlHlWEU'S ml:IIT Tn I'ltEI'.\\
I h3ve the lihht III m:l.ke p.l)I1lCn.... f rriucir.l1 :II :In)' lime 1,,("It': Ihcy :uc due. ^ r~)'1I1enl oll'fim:if1;,lllnl~' i,
knOW" :t' tl "prcr.')mrn!." WhCll I m.l, .1 1"lp.lpTlenl, I u,i11 telllhe Nnle: Ih,iller ill u,lilinr. lh~1 I run d"i"r. <II
I mny mnke. full fUI{'-l)'ll\O\1 'H r 11,;11 f'ler.1)",CTlt, ""ithoul r~)'i"r.l\ny plep,)',""ll th.llr.t. lilt; NplC
llnlder u,'ill u<c nil of m)' f'lep,I\"ll'nl\ ." I(.lll<e lhe "nlllUlll nr I',il'dp,1 \h,', I "...c undt'l lhi, N..lI' H I H1.'~l' :,
(":l.llinl ("(ep,-}"mtl1l. lhelC ",,111,," n,t th,"'r.c' in the due ,Itlle 01 in Ihe: "nlOunl nf 111)' m',"lhly 1'.1\llu'Ul uuk<< Ihl~
Nntt; llnllkr at.lre'"- in "".i1inr. '0 Ih...,' ,11.1nr.c'.
". I O\N (Il\~ua.'"
II_ b,.., ",hlth _rrlon!n Ill,. I",,, "101 _h'lh W" Inuiml.lm ,,,.." IhuJn. II r.".II, ''''''I,..r,,.,I.., lhlllhr
1"llIlt'l nt I""tl I.." .h."t', .,~lr,',.l ., ht..... (.,11...-1'" M tyMN'I1_ _HIIl~"'....... .....If 'N ,......11"'""1_11..
1M" (I~ .", ..onh "'-ft llhal" ,"'.11 I.... ,..!.........., ,................,.,..,................"-,.......
lbotolll.....1 (,.,....,. .._ 61,-.1. ..01.".. I &,......................... ..........,....,...... 1M
_11oIdof _....... ....... ..~, ....."........ ........'_......,.....,...&/lII&. ':""
" *11<1""-10_ II..""",,,",, "'. ,.lIIdfII,...;~~..rilf....... ~. "rt-
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t.Al......~,...(hIT.JoH'r-.I.."... '. ..
If the Nde IIa40.Ju.....,.OI ,rHuP) ~ht fu:1I &.mOW'" or Ul__lkl, F-~' br \hi (fl4 nf flft.aon (1!i)
r.skndu.s.,., &1lrt th4' .latc it I' ..h.'f". I .,,11 r-r I blo ~f~ t.O thot t4QM HoWer. n-. 1l'W'UI'o' "" (hi ~!IC.it!
he 4.000 1. of my Cl'l'Ud"o P'J'M"L '..In r-J' thU \&11 IMll' 1'1f'Oft'lr'I, hul nnll'
01\C't f'fl ClOth 11.11' fW,",tnt,
WI Oth;"I.
HI .In "411 fUt' thl ftlll ,"1<",'" "Il ',monlhly pI,'menl m\ (hr tJ,tc It j, du~. 1 ....illlte in .ld111111.
In f'o;lIl1rr fof I h.flO ltlt
HI .m In dfl:wll. Ihe r~,J'.c : 1,,',1<". "'''~ 'olll nl("' wlillen IH.lkt 1t1liflC mf II\tll if I "0 ""I f'~y lilt mtl,lllt.
.rnCounll..,. . Ifflltln .1.'If, Ihe ~""J/" 1\ ' [\'~)' rt'lutlf "le 10 rr"r inlmcdi_ltly Iht 1,,11 ""10,,"1 "' l'UIlr<r~' .\1ull
E \1 Iii it "1
t.11'1.1I\141 r I I).IUIl" 11' ...ot I ""__,, I. / 11~t.I",-'1I1I."'l" l'toiIlO." INr.1t1l'Mr~T
4,,\'NH: ...."H.."... U,I"; r-rr I ""
r_'ll\fl!t"
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h:'l~ nllo ,,,'~n raid :tlltl alllh~"'.rcq :~I;'1 I ..\~e C'llllh;'\l :'Inllllll\l Th;!;1 lI:lle W, he nl k."i"':fli'cby",,",,"rlcr lhe tI;'IIe
1111 whirh Ihe nlllice j, llo.;li.,CfC'! fH l1\.l.ktlln me.
(III Nu Wlllvl'f II)' Null' 1l,,1.!l-r. . .
1:"cTl H,:\I:t lime when I am ill lkllUll, Ihr. Nnle llnltler lIne, nnl ,rtlllire Olt In I','y imnu'.Iialdy in (ulll1"
de'clihe,l :\MVC, Ihe Note Ilolllcr Will .tlll h:'iVC Ihe d~lll In Iln ,,"0 if I nm in (Icl,'ull :\, n bIer lime.
(I:} I'lltnu-nl "r Nnlr 11111.11'1'" 01'1. ,lllll F'IM'!lU''l
Illhe Nllle 1!"IlIer hn' rC'luired Illt: In P"Y inltnCllif\lely in full", clc(clil~11 nhm"'~1 Ihe Nole llnhler will h:'l\/c
the dr.hl 10 he p.,icl h"ck hy me (or :\11 of in ("11\" nnt' elpcn(C' In cnrllfdn~ Ihh Nole In the: ulenl nnl rrnhihilctl
hy nrr1ic;\hlc l:'Iw. Thmc Clpcr"l:\ include. for cumple, ru~nn",hte Flllmnc)'" ree',
,. (:!\'IN(; OF NOTICE."
Unit.... :lflplic:lhle I.1w req\lir(,~l' !'kf("lf m,.lIu"l. :'Iny nnlie,. .11", nH1'1 hr. pilo'''o In 1111': under Ihi, Nn'" will he
r,ilo'rn hl' delilo'erin~ il m hy m;ldinr. it :/ fif'l d:l.... mnlllo me tll ,he rlnpeny Atldrc..~ nhove nr nl II. diUerenl
:ltlthe", ir I gilo'e Ihe Note Ilolder.'l nO)I'L~ Ilr my tlirfe'tnl ;uhhe"\.
Any ntllice Ihal 1II11~1 he I:iven In t'H~ Nole I hllder IIntler thi\ NO'e will he foiven hy mnilin~ il hy rir..t c!n..'
m:lillo lhe Noll' Ilolder 011 Ille ,1dtJre\\ \!aled in Seelinn 3(A) Ilho'o't or Ilt !II different Alltlrt\\ if I nm gh'en n nolice
or Ih.1l cliHercnllltlllre"'.
R, 011 U r.,\'1 IONS OF l'Elt"iOSS U"'-:J[<:U TillS NOTE
If mflre Ih:ln on(': rer..nn \ir,I1" Ihl\ :'\")11', e:\ch l'e'~nn i~ rlllly nntl f'e'~on:llly nhlir.:'Ilell In \a:er :\1\ or Ihe
rrtlmi~e\ m:lde in Ihi.. Nllte, illl,::IIIIJin/~ IlIe rrnmi~e In p:\y Ihe rull :!mnulI! nwed. Any prr~on who i\ II gllll.f;\Olllf.
'tlfety nr entlnr~er nr thi.. Nole i.. :11\0 ,\I>li,~"'ed 'n dn Ihe'e Ihing', Any per'\on who Il'lke~ over Ihe..e nhlig:!linn,.
inchllling Ihe nhlir,l'llio." or a gu.uanll1.', "llrely m endor,er nr lId\ Note, i.. :!ol!;o ohlignled to keep nil or the
rromi'\e\ maLIc in Ihi.. Noll'. The NIIIL: llnltlcr ma)' enlorce il~ ,iE:hl~ under Ihi!O Note ngain\t C::lch penon
individu:'IlIy or <lg"in~1 all or U!O lnr,elhn. Thi.. me:lns lh:!1 nny one or us mny he requiredtn P:lY nil of the nmounl..
owed IInller thi, Nnle.
? w,\tVlms
I nnd nny olher rcr..nn wll., h", 01 ;ir,alinn.. under thi\ No1e w:'Iivc the rich" of pre..enlmenl nnt! nOlice or
di~hnnor, -rre'enlment" mean\ Ihe fil;1I1 10 require Ihe Nole Holder to demand payment or amount' due, MNnlire
or di~nnnnr" mean\ Ihe rithllO rettuirl.' the Nnte lIolder 10 give nolice In olher rennn' that amount' due hnve nol
heen raid.
In, llNIFOHM sH':llltFn !\Crn:
'l1d~ Note i~ n unifnrm inqr\lmen~ \\'llh lillliled v:Hjalinn~ in ..OnlC juri..diclinn\. In :lIlt1ition 10 It-.e pro'!:Clion..
~ilo'en In Ihe Noli:: llolder ufl\lcr 111;.. f\,'"te. " Mmlr.n~e, Deed or Tru~t or Security Deed (I he NSeCtlril)'
In~lrllmenr'}, (\.lled the 'nroe tble ;I" l!.i.. NOle. prolecl' lite. Nole lIolder rrom f'O"ihle Im~e\ which mi~ht tl':,ult if
I do nnt keep Ihe promi..e!; which I OIn;'c in Ihi~ Noll'. That Securily In..lrumenl rle'erihe\ how And under wh:'ll
condition' I ml'lY he required 10 make immedi:\Ie pa)'ment in rull or allllmounts I owe under Ihi, Noll'. Some or
Iho..e condilinn~ arc de"crihcd :1'\ rollllw~:
Itq~ul:ttinn~ pK CF.a. ['.HI :i6) iv.;cd untll'! the I)crarlmenl or Veler:!otU Arr:tin GII:\t<lntcell Lo:tn
^ulhorily (:iH US,c. Ch"f'lICr 37) :l'ld in eUcCI nn Ihe dale or In:lll cln~ing \hl'lll govern Ihe righl\, dulic:..
~nf' Iiahililie.. or Ihe p.utie.. 10 Ihi.. il,an :tnt! nny rrolo'i..ion!O or Ihl, Nnle which lue incon~i'lent wilh ..uen
tegull'llion\ Me herehy :l.ll1cndetl ar.d \urr1emen\ed 10 eonfnrm thereto,
WITNESS TilE IIAND(S) .ISD S[.'.
:S) OF 111E UNDERSIG7NE
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/~vJt '-JL~;t.l-W....J,.X.I.
KEVIN ^, WJ1nlfMJI1E
t:ti~,.,/ \I\.~,,~
PENNY O~:MlIlE
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.I\ntrowcr
(Se:tl)
,f1nrrollo'rr
_,_____(Sc~l)
.l1mr/l\\tr
'A."t TO TilE OHI)EI{ OF
!f.OlWr.ST t4.0R.Tr:M~E. HH;.
kJ'tliOlIT 1<fU/lIHSF
"lIST AOVANTM;E HOltlCM:I'; COI{POIt,\:'I()N /iYJ
:::;r~_':L.L2-!:L/-.// LUr
w.DEUNE H. JOII~I:;ON'CLtI1
~ ":V>>J,Pro~\;jcn\
(C;ul)
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5:1ndra nAhm.d
AStltl:lofll Sec'ttl'r
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ALL THAT CER T AfN 101 or piece of ground wilh the messuage or tenement Ihereon
ereeled, siluate in the Fifth Ward of the Borough of Carlisle, Cumberland County,
Pennsylvania, "'~re fully bounded and described as follows:
ON Ihe ~onh by "A" Street; on the East by lots now or formerly of John Kutz and
Walter Bishop, on the SOlllh by a twelve (12) fool alley running parallel to said "A"
Suect; and on L,e West by propeny now or formerly of Norman l. Arbegast and wife.
HA VING a wie::, of twenty-three (23) feel six (6) inches in front on said "A" Street, and a
width offony.,:,ree (43) feet three (3) inches on the alley on the rear, and a d:pth of one
hundred and lil1y (150) feet along the wcSlern side, and a depth of one hundred and fifty
one (151) feci "cng the easlern side. The western boundary line of the property hereby
convey:d bein~ , Slraighlline running Nonh and South at right angl:s to said "A" Streel,
through the cer.::r of the panilion wall separating the dwelling house on the lot hereby
conveyed from :e.: dwelling house on the lot now or formerly of said Norman l. Arbegast
and wife, known 's and numbered 216 "A" Street.
BEING :oe same propeny which Lawton C. Rovegno and Evelyn B. Rovegno, his
wife, gr,nted ,r.: conveyed to Dennis A. Zeigler and Suzanne K. Zeigler, his wife, the
Grantors herein, oy deed d'led July 2, 1984 and recorded in Ihe omce of the Recorder of
Deeds in ,"d for the County ofCumberlalld in Deed Book "T", Volume 39, Page 748.
A.'iD the said ;e>ntors hereby coven'"ts and 'grees Ihat they will warrant specially the
propeny hereby :onveJ'ed.
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March 1 S. 1994, Dct\:ndants helie\'<: that said mortgage was suhsequently assigned to the
Secretary of Veterans j\ fIllirs hut. alkr reasonahle in\'eslig;ilion, arc without knowledge,
inli1l'lmltion or belief as to whether it \l'ill he sent li)r recording, and therc!ill'e deny this a\'ernlent.
5, Admitted,
6, Admitted,
7, Denied, DcI\:ndants deny that the mOligage is in delimit and that the amounts setl()rth
in Paragraph 7 ofPlaintifrs Complaint arc dlle onlhe mortgage, Hy \\ay of lilrlher ans\l'er. it is
Dcf\:ndants' helief and they therellll'e aYeI'. that their morlgage payments arc current and that the
mortgage is not in default,
S, Admilled.
9, Admitted,
10, Admilled,
II. Denied. Ikt\:ndan\S deny that PlaintilThas eompliL'd with the procedures reqnired by
Pennsyl\'ania Act 91 of I 'IS:1 (1Iomell\\ ners' I':mergeney 1\lortgage Assistance' I'rngram) and that
Ik!\:ndants ha\"e !;Iikd to meet the time limitations as sct Illrth Iherein or ha\ e hel-n determined
by the Ilousing Finane" Agel1l'y lIot t" qllalil~ 1,',1' assist:u1l'e.
:\LW 1\ ll:LLLH
12, Ikt\:ndan1s di,lllllt 'l'l'ei,,', :,nd IIll'Y thncllll"(- a\cr that I'lailltiff did Ill\t Sl:ne them
with, thc notice dcscrib,'d ill " I'.S. s",'lion l(l~lI.'lO.~,', th,' gi\ ing of \\hid) is rl-qllircd hy'
I'cnnsyl\ania :\l'l91 "f 1')~; 1'l'l,,'ill,',oIl\;' I'.S. Sl'l'li,,,) 1(I~lI.4l12cl bl'Il"'l'l'binlil'fcollld
i..'Olllllll'I1l'i..' th(' jn~,lallt 1~\1\'1.:11\""1l11.' ;!l.'litlli .