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Home My WebLink About07-1701 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NATIONSTAR MORTGAGE, LLC f/k/a CENTEX HOME EQUITY COMPANY, LLC, Plaintiff vs. TIMOTHY M. HARRY and CAMILLE C. HARRY, Defendants. TO: DEFENDANT(s) YOU ARE HEREBY NOTIFIED TO PLEAD TO THE ENCLOSED COMPLAINT WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A DEFAULT JUDGMENT :]M;TE~t~ A TTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE ADDRESS OF THE PLAINTIFF IS: 350 Highland Drive Lewisville, TX 75067 AND THE DEFENDANT(S): 1136 Ashton Drive, S . pensburg, PA 17257 0\ CERTIFICATE OF LOCATION I HEREBY CERTIFY THAT THE LOCA nON OF THE REAL EST ATE AFFECTED BY THIS LIEN IS 1131 Ashton Drive, Shippensburg, PA 17257 A TTORNEY FOR P INTI CIVIL DIVISION NO.: 67 - l'fOf C, u'tL I <eft- ~ TYPE OF PLEADING CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE FILED ON BEHALF OF: Nationstar Mortgage, LLC f/kJa Centex Home Equity Company, LLC Plaintiff, COUNSEL OF RECORD FOR THIS PARTY: Scott A. Dietterick, Esquire Pa. LD. #55650 Kimberly A. Bonner, Esquire Pa. LD. #89705 JAMES, SMITH, DIETTERICK & CONNELLY LLP P.O. Box 650 Hershey, PA 17033 (717) 533-3280 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA NA TIONST AR MORTGAGE, LLC f/k/a CIVIL DIVISION CENTEX HOME EQUITY COMPANY, LLC, NO.: Plaintiff vs. TIMOTHY M. HARRY and CAMILLE C. HARRY Defendants. 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 HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, P A 17013 Phone (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NA TIONST AR MORTGAGE, LLC flkla CIVIL DIVISION CENTEX HOME EQUITY COMPANY, LLC, NO.: Plaintiff vs. TIMOTHY M. HARRY and CAMILLE C. HARRY Defendants. A VISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notifacacion de esta Demanda y A viso radicando personalmente 0 por medio de un abogado una comperencencia escrita y redicanco en la Courte por escrito sus defensas de, y objecciones a, los demandas presentadas aqui en contra suya. Se Ie advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propieded u otros derechos importantes para usted. USTED DEBE LLEV AR ESTE DOCUMENTO A SU ABAGADO IMMEDIA T AMENTE. SI USTED NO TIENE UN ABOGADO 0 NO PUEDE P AGARLE A UNO, LLAME A VA Y A A LA SIGUEINTE OFICINA PARA A VERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, P A 17013 Phone (717) 249-3166 (800) 990-9108 IF THIS IS THE FIRST NOTICE THAT YOU HA VE RECENED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.c. S1692 ET SEQ. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DA YS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DA YS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECENED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HA VE FILED BANKRUPTCY AND RECENED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NATIONS TAR MORTGAGE, LLC flk/a CIVIL DIVISION CENTEX HOME EQUITY COMP ANY, LLC, Plaintiff NO.: D7 - /?IJ I C/u'lL/~ vs. TIMOTHY M. HARRY and CAMILLE C. HARRY Defendants. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE And now comes Nationstar Mortgage, LLC flk/a Centex Home Equity Company, LLC, by its attorneys, James, Smith, Dietterick & Connelly, LLP and files this Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is Nationstar Mortgage, LLC flk/a Centex Home Equity Company, LLC, which has its principal place of business at 350 Highland Drive, Lewisville, Texas 75067. 2. The Defendants, Timothy M. Harry and Camille C. Harry, are individuals whose last known address is 1136 Ashton Drive, Shippensburg, Pennsylvania 17257. 3. On or about November 2,2006, Defendant, Camille C. Harry, executed a Note in favor of Plaintiff in the original principal amount of$89,000.00. 4. On or about November 2, 2006, as security for payment of the aforesaid Note, Defendants made, executed and delivered to Plaintiff a Mortgage in the original principal amount of $89,000.00 on the premises hereinafter described, with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on November 8,2006, in Mortgage Book Volume 3309, Page 345. A true and correct copy of said Mortgage containing a description of the mortgaged premises is marked Exhibit "A", attached hereto and made a part hereof. 5. Defendants are the record and real owners of the aforesaid mortgaged premises. 6. Defendants are in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. 7. On or about February 8,2007, Defendants were mailed combined Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notices ofIntention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 of1974, 41 P.S. ~101, et seq. 8. The amount due and owing Plaintiffby Defendants is as follows: Principal Interest through 3/21/07 Late Charges Plaintiff Advances Attorneys' fees Court, Sheriff and Title Costs $89,000.00 $ 2,561.00 $ 127.88 $ 20.00 $ 1,250.00 $ 2,500.00 TOTAL $95,458.88 plus interest on the principal sum ($89,000.00) from March 21,2007, at the rate of$18.97 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of$95,458.88, with interest thereon at the rate of$18.97 per diem from March 21, 2007, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Respectfully Submitted: JAMES SMITH DIETTERICK & CONNELLY LLP )Gw D~ BY: Scott A. Dietterick, Esquire P A I.D. # 55650 Kimberly A. Bonner, Esquire P A LD.#89705 Attorneys for Plaintiff P.o. Box 650 Hershey, P A 17033 (717) 533-3280 THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMA nON OBTAINED WILL BE USED FOR THAT PURPOSE. . EXHIBIT "A" MAR-22-2007 10:54 Inltrwtlent H\lMer~ 2005 - 009931 :Ulliltnllll8nt Type lOBED PATRICIA BLACK ABSTRACT Franklin County Register And Recorder Linda Miller Courthouse 157 Lincoln Way East Chambenburs, PAt 720 I Phone: (717) 261.3872 A*Ottipt Dat., R4lc;..ipt. '%';1.1011 1I.00lldpt No., Receipt Distribution "'/~ !Mlcd ~1on PAyment AlIloIl:At; CBW DBED . WRIT DaD - an STATE SHIPPBNSBUllG SO't1'rHAMP'rON '1'WP Dnt) APPORDABLE as OBZO A/H ADMIN FBE J.e.s. I A.T.J co IMPROVEMBNT nm RBC. IMPRVMNT FUNl) eheek* 7724 Total Received... ...... U.OO .50 339.00 1651.50 159.50 11.05 :1..95 10.00 2.00 3.00 --....----------... $719.50 $719.50 7173372248 5/02/2005 12:03150 185420 Pa1d By Remark.. HOSPBLT IRLH CONTRAC'l'CRS LM WlIGLI ASSOCIATSS J ~ CSllTIFY that fIIis document is recr:Jrded in the Recordcn Ofticc of 'f~ia County, Pennsylvania Cenffication P.ge 00 NOT DETACH This page is now pan of 'this legal document. ~~ Linda Miller ReconIer ofDeeda NOTE: Some inform.tion tublect to ching. d\.IrIno the llerlflcltlon process al1cl tnI'; not be reflected on thill PI"t, YOL 2 7 5 8 PG 0 8 4 P.ll JI,.) o o (11 I o o cg CD W .- MAR-22-2007 10:54 PATRICIA BLACK ABSTRACT 7173372248 P.12 (\.r:p RECORDED\) ~BtLoA HM'IOlf8'1'AR ~ J:.U: 350 RiGII%.MD DIl, 1liI'r no, nux. DOCS LlW1:SVlLLll, ~ 75067 lOUb NOV ..; 8 A q: ~ q LINDA ~1ILLER RECORDER OF OEEDS fRANKLIN COUNTY Return To; I'int Amer1.can RZS AT'l'H: ..Uon.t.ar IIortqll98 !lucking' ISO 1.8oundazy 8tzeet Chap1.n, SC 21036 243525278 ~~ Linda MiDer RmmIerofDDcdl Parcel Number: ~ I-OIJ 10 C - OJoA Premises: 113' ASIt'1'OJf DlUW SBItnwS8tJaG, nMNSnVU'IA 17257 {Space AbOft n<<-9J .7i.. Data] MORTGAGE DEFINlTIONS Words used in multiple IlCCdons of this dOQUD1Cl1t arc defined below and other words are defined in Seclions 3, 11, 13, 18,20 101121. CelWn rules reprding lhe uage of worda used in this document are also provided in Scctkm lej, (A) "Security IlIIItnnamt" means this document. which is dated 11/02/2006 IOgecher with all Riden to this documenL (B~Bon'ower" is LLI C. IWUi!.Y ARD TIMOTHY Ie. RAMl' Borrower ill clio morfiqor IIDl1er thia Security InsIlUmalL (C) "Lender" is WAUo:fftAR IalJCaGE LtC A I.IKIUD UABILIft CCDlPMf PENNSYLVANIA. Sinal_ Family. F'hhl. Uee/Freddl. Mlo UNIFORM INSTRUMENT _.II(PA) lOtO.) FDrm SD5I 1'01 Pag. 1 01 It Inlllall: CCH 7/YJ f/N '1111111 VM" MOrlga.. Solution., Inc, (1OO)521-72D1 YOL 3 3 0 9 PG 3 4 5 MRR-22-2007 10:54 PRTRICIA BLACK RBSTRACT 7173372248 P.13 243525278 I.enckz is a organized and oxisting under die Jaws of 'DB STAft OF DJWUIlUUIl Lender's addrea is 2828 lIoa'S'K IWUfClOD DAlrLU, tx 75201-1516 Lender is the mortpaee utIdet dlis Security Instrument. (D) "Note" means the prontissory nota siBned by Borrowet and dated 11/02/2006 The Note stares that Bcmaw<< owes Lenckw IIGS'l'Y nn 'HOUSAND " 00/100 Dollars (U.S. $ 89,000 . 00 ) plus inUlrCSL Bonowcr has promised to pay th1s debt in regular Puiodic Payments anti to pay the debt in fqJ] not Ia&ct than 11/07/.2036 (E) "Property" mcana the property that is described below uader the heading "Transfer of RighlS in the Property. . (P') "Loan II means the debt evidenced by lhe Note, plus inwut, any prepayment charge$ and Iat.e charges du~ un~ die Nole, aDd aU sums chic under thia Security IlJItrument. plus Jnterelt. (G) "1Uden" means all Riders to Ibis Security Insuumcnt lIlat are executed by Borrower. The foDowing Riders are to be executed by Borrower [check box &9 appUcabJe]: B Adjualablc RaIc Rider ~ Condominlwn Rider ~ Second Home Rider Balloon Rlder Planned Unk Development Rider 1-4 Famfty RJder V A Rider Biweekly Payment Rider Oth~ll) (specify] itA (II) "Applicable Law" means all controDlng applieab1e federal. Slate and local SWUtes. reguWions, orc1inanC8ll and adminlSll'ative rules and orders (dIat have the effect of Jaw) as weD IS allllpplicable rmal. non-appealable judidal opinions. (I) "COllUllunlty Aaoeiatloa Dau, Fees. aDd "__ents" means aU dues, fee3, asseument8 and othex charges that are imposed Oil Bom>wer or the Ptoperty by a COhdomiDium MSOCialion, homcuwne.rs lI8iociadon or IrimiIllt Ot88DiZaticn. (J) "Electronic: Funds n-anller" I1ll!l8nS any transfex of funds, orhcx than a Ir8n8action DI'iginaJed by check, draft, or Bimilar paper instrument, which is initialed through an cJearonk; terminal; tclcphonK; inS1l'Ullla1t, computer, or rn.anedc !ape so as fD ordClr, ina1ruct, or authorize a f1nanciaI inIti1uliau to debit or credit an account Such klnn includes, but is not Umiled 10. point-of-* transferB, automated teller machine tlanaaetions, tran.COl'8 initialed by telephone, wu. ttansfcrs, and automatccl clearinghouse tnlnafcrs. (K) "Fselrow Items" means thole itema that In cbcribcd in Section 3. (L) "MiIedIa.eoas ~" means any compenaati.on, seuJement. award of damaaCll, or proceeds paid by any third party (othlll' man mSW'lUlCC proceeds paid under th~ covcrqes doat'bed in Section ,) for: (i) damage co, or destruction of, the Propeny; (ii) COIIdcmDaUon or olhct c:aJcing of all or any p.l81 of the Property; CHi) conveyance in lieu of condemnation; or (iv) mi$reprCll8ntaUons of, or omil$ions U 10, tho value and/or condition of !he Property. (M) "Mortple Insuraau:e" means inSUl'Mce pn'llCCtinS Lender against 1J1e nonpayment of, or det1wlt on, the Loan. ~-.c PA) 10101' Page 2., .11 T/Y1H 1"/118..: ~1f FO,.303. 1/01 YOL 3309 PG 3 4 6 MAR-22-2007 10:54 PATRICIA BLACK ABSTRACT 7173372248 P.14 243525378 (N) "PwiocUc: PaJIDent" means the reJUIady IChecIuJed IIIDOUOt due Cor (i) prinQpaJ IIZId inlerCSt undet the Note, plus (ii) Ill)' amoullll ullder Seetion 3 of 1hia Security InalrWnCnt (0) "BESPA!' mean. dle Roal Eatate S6ment Procedures Act (12 U.S.C. Seecion 2601 eI seq.) and iIs imp\cme:n\it\1 rqulaIion, RqulaUon X (24 C.P.R. Patt 3SOO), lIll they mi.h\ be amended from 1ime 10 time, or any additional or successor JepJadon or I~ that aovems the same subject matter. As used in this Security Jnslnlment, "RESPAII refers 10 aU rcquitcmcng and rCltliccions dull are impelled in regard to a "f<:deRUy relatecl rnortgag$ 10m" even if th~ Loan docs not qualify as 8 .federally related mortgage loan" under RBSPA. (P) "SUCCClIIIOJ' in Interest or Borrow..." means any patty that bas taken title to the Property, whether or not lbat patly has auumed BotrOWel"s obligutions under Ibe Note and/Or rhiJ Security In&tr1Iment. 'TRANSPER OP RIGHTS IN TIm PROPERTY This Securily IllBU'Umcnl sacures U> Lender: (i) Ute tcpIYment of the Loan, BDd an renewals, ~tensioos and mo4it1cations of tbe NOle; and (Ii) the performancc or BorrowCl"S OOveaancs 1UIc1 agreemenCS under this SCcurlty 1nscrwncnt and die NolC. For Ibis purpose, Borrower does hereby mOl'tlBle, grant and convey to Lender the following described pIQpctIy located in the coany IT)'pC a(Rac0f4inll\1ri1di~onJ of I'aMlKLIH [Name oIlUcordiq 111riIdlotion): All that tr.ct. or pa~l of lancl .. shown on Sahed\Jl. "A" .ttaabltCl htI~.t:o which i.s 1nClOzpo&'.~cI b.nin -.nc:l ... . put; beno~. which eWTend)' has the address of 1131 ASa':O>> DUVI SSU'D8BUJU; ("Property Addnlssj: (City), Pennsylvania 1725"1 ISt=I) [Zip Code) TOGBTImR WITH all the improvcmenrs now or h~ eroacd on tho property, and all easements. ~, and ftxlm'ea now or MreafIer a part of the property. All1epJaccmcnta ancl ~ Iha11 also be covered by !his Security InslJUrnent. AU of tbc fCII'Cloing is referred to in this Security lnatrwncut III the "Propetty. . 4I&-ICPA) (0101) Pit.. , vIII InlrlaMl~ C!:::.lJ:. Ilntl Form aOIS 1/01 YOl 3 3 0 9 PG 3 4 7 MAR-22-2007 10:55 PATRICIA BLACK ABSTRACT 7173372248 P.15 243525278 BORROWER COV15NANTS Ihat Bonower is lawfuUy seiaed of the estate hereby conveyed and has !he right to monpge. grant and convey the Property and Ibat the PJope:rty is unencumbered, lUCCpt for eacumbtance$ of teAXU'd. Borrower watral'llS and win defend generally tile tide 10 !be Property against all claims and demands. subject to any encumbrances of record. THIS SECURITY INSnU1MI3NT combines uniform c:oveaantl for national use and non-uniform covenants with limited varialions by jurisdiction 10 constitute a uniform ICCUrity insIrument covering real property. UNlFORM COVENANTS. Bonower and Lender covenant and agree as follows: 1. Payment 01 Priadpal, Jaterest, lKrow Items, PrepaJlDnt CIw-ges, alld Late CbaJ'llS. Borrower shall pay when due the principel of, and iDl.CteiSt on. the debt evidom:ed by the Note and my prepayment cIuqea and late ctwges due under the Note. Borrower shall also pay lunda for Bsc:row Items pursuant to Secti.on 3. Paymenlll due uDder the Note and !his Security InstnuneIlt shaU be made in U.S. currency. However, if any check at other ~lUUment received by Len4er IIll payment under the Note or this Security Inscrument is retumecl to Lender unpaid, Lender may ftlqUUe tba& any at an :llabacquent payments due under the Note and this Security Instrument be made in ono or morc: of the following forms, as selcclCcl by Lender: (a) cash; (b) money order; (e) cenifiecl check, bank check, treas'lD'Cr's chec:k or cashier's check. provided any IUch chect is drawn upon an instibltion whollO depQJitI aR in8ured by a fcdcml agcnt.l'. inslrUmentality, or enlUy; or Cd) B1eetronic Funds Transfer. Payments are deemed received by Lender when rccc:ivcd at die location dcaignated in lbe Note or at such ocher location Il$ may be delQgnalCd by Lender In ~cc wbh the nodcc provisions in Section 15. Lender may return any payment or partial pa)'1tl8l'lt if the payment or partial payments are insufficient to bring the Loan c:uuent. :t.endcr may accc:pt an)' payment Dr partial payment insutticicnt 10 brinl the Loan CUlrIlllt, wilhoul waiver of any righlS ~under or PJejudice to III rigbtllD refulle such payment or partial payments in the future, b~t Lender ia not oblipccd ID apply such payments at rhe ibMluc:h paymeata are acc::epIed. If each Periodic PaymCltt i8 applied IS of ita scheduled due date, tbcn Lr.ader need noc pay interelll on unapplied fund$. Lender ln8y hokl such unapplied runds until Bmmwer make8 paYmeIIl W bring the Loan current. If Banower doca not do so within a reuonablc period of lime, Lender shall eitbct apply such funds or return them to BOttOwer. If not apptiod earliet, ~ funda will be appUcd to Ihe outstandinJ principal balance under the Nocc immecUaldy priOC' 10 torccJosure. No offset or clahn which Bonower miJht have now or in the futuro against Lender shall rcUcve Banowcr from maIcing payments due under 1he Note and this Security Inslnlment or perfonninJ the c;ovcnanll and qRemen13 seaued by this Security InStrUment. Z. AppIicatiDa or PaYIAf!nts Or ~ Except as otherwile de8cribed in this Seclion 2, all payments accepled and applied by Lender shall be applied in the following order of priority: (a) interest due uDder the NQbl; (b) principal due uncb rho Noce; (c) amounll due under Section 3. Such paymenll shall be applied to each Periodic Payment in thCl Older in which it bec:amc due. Any rcmainins amounts shall be applied fn to late char,CI, second ID lID)' olher amounts due under chis Security Insrrumcnt, 8I1d rhea to reduce Ihe principal balance of the Note. 1f LendM rcoeivea a payment from BotroWC'Z for a dclinquent Periodic Payment which includes a sufficient amount to pay any late charge due. !he payment may be lIpplied to the delinquent payment and the late charge. Jf more than one Periodic Payment fa outatanding, Lender may apply any payment received from Borrower to the tcIPllymenL of the Periodic Paymenll it. and 10 die cxr.nt that. each payment can be paid in _.I(PA) 10_' 'og" ~ 81 'I 1"_'-"; CC H rm tI For," 30st 1/01 YOL 3 3 0 9 PG 3 4 8 MAR-22-2007 10:55 PATRICIA BLACK ABSTRACT 7173372248 P.16 2435252'8 fulL To the exlMt lhal any excess ~IS afte.r tile paYnulIt iI appJicd to me full payment of one or mort Periodic Paymenlll, IUCh ~ may bo appUod to any 1& c:harpI c111C. Voluntary prepayments shaD be applied rUSt to any prepayment c:lJlfICI and chen as dedcribod in &he Note. Any I\pplication of payme&'lfS, ~ proceed.. or Miace1JaneoUIl Proeeeds to principal clue under the Note shall not exfald or postpone cho due -. or change the amount, of the Periodk. PaymMts, 3. Fuudll for E8Qoow !1ems. Borrower shall pay to Lender on Cbe day Periodk: Payments are due under the NOfC, untillhe N~ is paid in tu1l. a sum (the "Fundi") ro provide far payment of amounts due for: (a) taxtlS and WC!SSl1\OIlts and other items which can attain priorIly over this Security Itutrurnent as It lien or encumbrance on Ihc Property; (b) JeasohoJd paymenlll or ground rents on die Property, if any; (c) premiums for any Ind aU insurance tc:quinld by Lender under Section Si and (d) Mortpge Insurance premiums, if any, or any S\l1I\. payab~ by Borrower (0 LaxSer in lieu of the paymeZlt of Mongase InSW'8llCe PremiUms in accordance with the provisions of Sc:etion 10. These ilt:m5 are ealJcd "E$CI'OW Ucru. ~ Ar origination or at any lime during the tmll of the Lallll, Lender may require thu Conununity Aaociation Due.ll, Foes, and AsBeasmall., if any, be cacrowed by BormwCll', and such dues, foea and 8SSOSSlMnts shall be an Eac:row Item. Bmower shall promptly furnish to Lender all notices of ImDUnts 10 be paid under tbill Section. BoO'Owc:r sbatl pay Lender the 'Funds tor Escrow Ilems unless LcDdet waive8 BQttOWt.t', QhUgalion 10 pay the Punds for any or all BllCrOW I\ems. Lender may waive Borrower's obHpdon to pay 10 Lender Punds for any or all Escrow Items at InY time. Any such waiver may only be m 'WtitUlS. In the event of M:h waiver, BOllowe: shall pay directly, when and where payable, the &moun" due Cor III)' Bsctow Items far wbich payment of 'Funl1llw been waived by Lender and. if Lender RqUUa, shall furnish to Lender rec;ejpts evidencing such payment within such tUne period as Lender may tCquire. Bouower's o1>liption tQ make luch payments and 10 provide receipts lIhall for aU purposes be deemed to be a covenant and agrccmont CQnl$ued in this Se<:urlty Instrument, IS the phrase "covenant and ~nt" q u.scd in Soedoll 9. If Borrower ia obUgated to pay Bsc:row Imms directly, p\mluant 10 a waiver, and Bonower fails 10 pay Ibe amount due for an E8crow lrem. Lender may exercise ill rightB undct Section 9 and pay such amount and Bonowcr shall then be obligarcd under Section 9 to repay CD Lender any rmch amounL Lendc:r may revoke the waiver as to any at all Escrow Items u any lime by a notice given in aeeordance wiIb Section 15 and, upon IQCfl re~J1, Bonvwer shalt pay to Lencfec an Punds, and in such IImOUnts, that are then required under this Section 3. Lender may, u any time, co1Joct and hold Pund.s in It! ImOMt. <.) aufficient 10 permit Lender 10 apply the Funds at. the lime specified under RESPA, and (b) not 10 exceed the maximum amount a 1c:nder can requite under RBSP A. Lender shalt estimate the amount of Punds due on the basis of current data and reasonable estimates of oxpenditures of futw'e BICtOW Ikln1S or otherwise in accordance with AppUcable Law. The F\!Jlds shall be beld in an Institution whore deposits ~ insured by a federal agency, inSttumeotality. or entity (inc:ludini Lender, if Lender i8 an institution whose deposifll are 80 inlUfCd) or in any Fodcral Home Loan Bank. Lend<< shall apply the Funds 10 pay the E8cr0w Items no later &han the time specified under RBSPA. Lender shIUJ not eharse BCIl'tOwer for holding IDd applying !he Funds, llIUlWlIly anaJyT.ing the escrow accouor, or verifying !he Escrow ItoIns, un_ I...onder paYJ Borrower interest on the Funds and Applicable Law penniu Lendel' to make such a charge. Unless an agreement is made in writing or Applicable Law rcquirct4 in~ to be paid on die Funds, Lender 8haI1 nol bo roquiJcd to pay Borrower any lnU'Ze8t or earnings on Ihe Funds. Bonower and Lender can agree in writing, oowev<<, that interest shall be paid on the Cltol(PA) (0001) PAl. 6 or 18 ItlllLlI*! ~ I.J TmH Form 30111 1/01 VOL 3 3 0 9 PG 3 4 9 MAR-22-2007 10:55 PATRICIA BLACK ABSTRACT 7173372248 P.17 243525278 Ponds. Lender shall Jive to Borrower, wirhout charge. an annual ~ntinl of the Fundi as required by RESPA. If there is a SUlplus of Funds bold in eaow, as defined under RESP A. Lender Iha1l account to Borrowa for me eJlCCllll funch in aeccrdance with RESP A. If lhere is 8 sbonap of Funds held in escrow, as defined under RESP A, Lender shaU nodfy Borrowu as requi!ed by RESP A.. and Borrowe.r shall pay to Lender the amount necessary to mate up the Ibortage in acconIance wid! RBSP A, but in no more than 12 moamly paymeats. If there is a deficiency of Funds heJd in eacrow, as dd1ned under RBSPA, Lcnd<< shall notify Borrower as required by RBSP As and BorroWtlr shall pay 10 Lender dJe amount ncccsary to make up the deficiency in accordance with RBSPA, but in no more than 12 monthly paymeaf8. Upon payment in full of aU sums secURd by this Security Insttument, I..endor IlhaJl prornpl1y refund to Borrower any Funds held by Lender. 4, Charles; 1JeDt, l)otrower JbaU pay aU _., assesatnoAts. cbarp. (mea, and Impositions atuibuULble U) the Propeny whk:h QI1\ aaam priority over this S~urily Instrument, lcaachold paymenlS or ground tents on the Propctty. if any. and Communicy Auociation Duos, Pees.1Dd AsIICISmCIICS, it any. To the extent that these items arc Bacrow. IIemB, Borrower Iblll1 ply Ihcm in &he manner ptOvidcd in Section 3. BOD'OWer shall promptly discharge IIIIY lien which has priority over this Security Instrument unle.ss Borrower. (a) agrees in writiaa to the payment of the obligadon sccurccl by the lien in a manDer aa;epUlble to Lender, but only so long all 80JT0We1' is pczforming such IifIODIMt; (11) COI'I1eSllme Ucm in good faith by, or defends against eafatcement of the lien in,legaI proceedings which ia Lender's opinion operate 10 pnlYent the, enforcement of Ihe lien while thole proceedings are pencl.ing. but only anti1 sucb ~1I are condud&ld; or (c) secures from the holder of the lien an apeemCQt satisfactoly ID Lcndct subord.lnaling the lien to this Security Instrument. It Lender dc1Ctminel dl8& any pan of the Property is subject to a lien which can alliin priority over this Security Instrument, Lender may Jive Darrowcc a no~ idcntifyipg d1e lien. Wirhin 10 days of tho date on which that ~ ill given, BOJfOwer shall .ry the lien or take one or more of the 8Clioos let fanh above in chis Section 4. Lender may xeQWre BmrowCt to PItY a one-time dlargo for a real C5catc tal( verification and/or l'CpOrIing 80rvice ulCd by Lender in connocdon widt this Loan. 5, Property I_rance. Borrower IhaJ1 keep the improvcmenw now aisting or heteat\er ere=d on Ihe Property Insured apUllt Joss by fire. hazards includccl within the term "extended oovcrage," and any oCbet ha7ardJ including, but not limited to, wthquakrA and floodI. for which Lender rcquirea insurance. 'Ibis insurance shall be mainmined in the amounts (includml deducdblc levels) and for the periods dtat Lender requires. What Lendct rcquirca pursuant to the precoding acublncea alJI change cluring the tetm of ibIS Loan. The insurance Cll'J'W pIOviding lite iniu:rance shall be cbo6er1 by Baaowet subject fD lAnder's nlbt to <&approve Bonowcr's chDi", which riBht shaD not be cxc:rclIed unreasonably. Lclrtdu may req11ire Bomlwer to pay. in toIUIeclion with this Loan. either: (a) a ooc-time charge for flood zone dctcnnination. C&t1ification and tnlcldn& scrvic;ca: or (b) a one-lime charge for flood l.one delamination llDd cenifk:ation lletVices anc1 lUb&equcnt charges each limo remappings 01 similar chan&cs occur which reasonabJy might affect such detenninlllion or ccn:lfication. Boaower shall also be l'CIPlJM'blc for the paymcot of any f~ impo$Cd by the Fcdm'al Emergenc)' M4naacmllrlt Agency in connection with the review of any flood zone dotmninatiop l'C'IUltlng from an obje<:tion by Borrower. _..(PAl (O'otl IHIII.'., c:c. H TmH ".r- . III 11 Farm 3038 1101 VOL 3 3 0 9 PG 3 5 0 MAR-22-2007 10:56 PRTRICIR BLRCK RBSTRRCT 7173372248 P.18 :i!43525278 Jr Borrower faUa 10 maintain any of !be c:overqea deatbecl above, Lender may oblllin insutance coverage, at Loader's op&ion and Borrower's expcme. Lender it ancIct no oblipdon to purcbasc any particular type or amouQ& of c::ovcnp. ~ suc::h c::ovenp shall cover Lender. bue mfgh& or might not proteCt BOITOWOf. Barrower's equity in Ihe Property. or the c:ontenll of the Property. qainsc any risk, hllZ8t'd or liability and might provide pea&er or Jesacr c::overlie than wu previously in effect. Borrower ac::knowlcdJea 1bat the cost of the insunmce coverage 10 obcaincd IniJht aignif"JCalldy Cltl:CCd the c:oa Df insurance that Borrower could have obrained. An'lllmOUl'lta disbursocl by LcndIlI' und.cr &his Sccdon .s sha11 bec::ome addilionaJ debt of Borrower aeeurod by this Security Ir\ltNmeQt, ThCllC amounts shall beat interest at the NOflI rate from the dare of disblll'8en'lellt and shall be payable, with weh inrcteit. upon notice from Lender to Borrower reques&i.nB payment. All in8U1'lftC& policies required by Lender and IaICW8ls of suc::h policies shall be subject 10 Lendet's right to diaapprove such policies, sban include a ~ rnortaaP c::lawsc. and shall name Lender as mortgagee 811d,W as an addWonalloss payee. Lender shall have !he right to hold die policies and renewal ceniftca&es. If Lender requires, BOtrOwer ahaD ptOntplly give to ltnd.c:r aD receipts of paid premiums and renewal nolices. U Borrower obtains any fonn of insuranc::c c::overap. not otherwise required by Lender, for damage to, or destruction of, the Propeny, such policy sbaJJ inc::lude a slandard mqage. clause and shall name LendClJ I1$l rnorfBaIec and/Ot alii an addicionallou pay"". In the event of loss, Borrower shall;ivc prompt noti(;c to !be insurance c::miet and Lender. Lender may make prOof of IUll$ if not rnac1c promp&1y by Borrower. Unless Lender anc1 BcIrower otherwise acree in wrieinS. any insurance proc::ecds, whethu or not the undcrlyinl insurance was required by Under, sbaIl be applied to restoration or repair 01 the Property, if the res1Or8l1on or repair is eeonomic:ally feasible and Lend<<' s security is not 1eBaened. Daring auc::h 11lpair and restoration period, Lender shall have the right to hold /luch inautlllnC8 proc:eeds QttdJ Lender bas had an opponunity to inspect such Property to IlQRUrC ~ work has boon completed to Lender's RatisfIcdan, provided that such lmpeclion sI!a1l be unclerfaten promptly. Leader may diabunc procceda lor die repsirs and raunJion in a sinp payment or in a series of progress payments as &be work is complcrcd. UnJeu III ~ iI made in writing or AppJicabJo Law requires intc:reBl to be paid on au.ch insurance proceeds. Lendet IhaIl not be requited to pay Borrower any intmest. or earnings on such proceeds. PClOI tor public adju&lerl, or other lbird parties, rerai.ncd by BOttOwer IhaIl not be paid out of &he insuranc:e proceeds and sbaIl be &he 10Je obligation of Bonower. It the resr.cralion or repair II oot economica)ly fCllSlble 01 Lender's security would be lessened. the inluranco Pl'OCCCdli IhaJI be applied to the sums secured by this Security lnlllnlmetlt, whelber or nut then due, with the excess, if an)'. paid to Borrower. Such insurance proceed$ shall be appIicd in rh6 Otdet provided fot in Section 2. It Borrower abandons rhe Property. Lcncb may file. neaotiale and seu1e any available insurance cJairn and related ~. It Borrowa' does not respond within 30 dayt to a notice from Lcndcl' that the inSW8ltcc camel hu offered to lI8ttIe a claim. then Lender may ne;otiate and seu10 the claim. The 3O-day period will begin when &he nodee is given. In either event, or if Lender acquires the Propeny under Section 22 or olberwlse, Bon-ower hereby assigns to Lender (a) Borrower's rights fA:) any in5\lfllnCe proceeds in an 8I11DUIlt not to ex~ the amounts unpaid under the Note or Ibis Security Inslnlmenl, and (b) an)' othClJ of Bolrower'& rights (oth=- than the right to any refund of uneamed pmniuma paid by BcmoMlt) under all inswance P~ClS covwing the Prope4y, insofar as IIuc:b righrs are applicable to the c::overa,e of the Property. Lender may Ul'e the insuranco proceeds Ilithor to "'P8lr or mtore the 'Propeny or to pay amounts unpaid undl.'ll' the Note or thj~ SllCUrity InJCrumlllll. wbed1llr or not then due. _..(PA) 10$011 lnll....: cc tf TmH Pall.'.' ,. Form 1019 1/01 YBL 3 3 Q 9 PG 3 5 f 'MAR-22-2007 10:56 PATRICIA BLACK ABSTRACT 7173372248 P.19 243525218 6, OceupaDq', Borrower shall oc:cupy,~, and uao the ~ as Borrower's principal raidence within 60 days a&r lhe execution of dais Security InSIlumcac and shall continue to occupy the Pmpen)' as Borrower's principal residence for at Ieut ono year afkrr the date of occupancy. unless LcIlder otMrwbc agrees in writin,. wllicft ~t 8baJJ Ml be unteISonably wilhheJd. or unless exfenUlltinB aircumSCBnce.1 exist which are bo)'Olld .Pcwrowcr'l concrol. 7. P.reservatloD, MalDteaaace aDd Protection of the Proper1f1 IaspectiDDl. Borrower sball not desIroy. damap or impair the Property, allow the Property to deWio* or commit waste on the Property. Whether or not BOI1'Owcr is residing in Ibc Property, BOU'OweI' shall mainllin Ibe Property in Otdct to ptCVent the Property tium defcrioa-ating or dc:creatiDr in Y8Iue due 10 its canditioo. Unlcs$ it is detenniDod purauant to Section S that repail or rcacoralkm ia not economieally feasibIa, Borrower sbaD. promptly repair cbe Property if damaged to avoid furchcr deterioration or damare. If insurance or ocmdonmation proceeds arc paid in connecdon with damage 10. or the I8kJna of, !he Property, Borrower sIIaJl be responsible for tcpairing ex- mtDtin8 rbe Propcny only il Lender has JUased pttlC(WfJ for IuClh PUJ'IlC*I. ~ W'Y ~ proceeds for Ihe rcpIJrs and resu:lnldon in a singJe payment or In a rerlea of progre18 paymcl1ts as the wodt is complcuxJ. If the insurance or condemnadon pmceeds arc not sufficient to rClplir or reItO!C the Property. Borrower is not nWavlld of Borrower's obligation for die completion of such repair or lCItorlltion. Lender or iIs agent may mate leISOnabJe eatri$S upon and ~ of the Pwpeny. If it has reasonable cause, Lender may inspect Ihe interior Q( the imptovements on Ihc Property. Lender shall give Borrower notice at tho lime of or prior to such an interior inIpecdon spe<:U'ying ax:h rcucmablc cause. S. Borrower.s Loa.. Applieatiob. Borrowet sIla11 be in deflUlt if. during the Loan appUcatioo pnx:ess. Boaowa- or any persona or e:ntiliea &Cling at the direcltcn of Borrower ot with BorroWllr's knowledge or COl1llent gave materially false. misleading, or inaccuraae information or stlltemcqll to Lender (or failed to provido LInda' wid! material information) in connecuon wid! tho Loan. Matcriall'CJR1Mtalions include, but are not limited to. rcprosontations conccmlnl Borrower's occupancy of the Property as Borrower's principal residence. 9. Proteetiua or LeDder', InterlSt In tb. Property ud .'Ilata UDder tbfI Seturity IuIh'lulle11l. If (l) BOI'JOWft failIlO perform the CCMlQIftts and agreements conrained in fhis Socurily IrWrumc!llt, (b) lhere i$ a Iegal proceeding that Ihisht signit'laUllly affect L.cndcr's mtcnlSt in the Property and/or rights under this Security Instrument (such as a proceeding ill ban1uuaxcY. probete. for condemnation or forfeiture. for enforcemeDt of a lien which may auain priority over 1IUs Security Instrument or to enforce laws or regulaIions), or (0) BotrOWeI' hu ab.ndoaccllhe Pl'opcrty, then Lender may do and pay for whatever is reasonable or app'Opria~ to ptOtCCt Lendct's inCctcst in the Property and rights undtz this Security Instrument. inctudins prDtec!in& and/or asNaaing the value ot the Propcny, and securing and/Or repairing the Property. Lender's actions caD include, but are no& Umiled to: (a) payiHg any sums secured by a 1ierI which has priority over this Security Instrument; (b) appcatina in court; and (e) paying rcuonable alUlmcys' ftel 1:0 Jm)tect till interest in Ihe ftropeny and/or rightll under dU$ Sceurity Inattument, including illllllC01'cd poIitjoll in a benlauPIC1 proceedin,. Secwiq the Propcny inc1udca, but is not limited to, enterlnS the Property to mate repairs, chanle locks, rcpJaco (If board up doors and windOWIil. drain waw from pipel. eliminate building or OCher code violations or dangerous conditions, and haw udJidcs tIlmCd on or off. Although Lender may btkc aclion under rbis Section 9. Lender cJoa9 DOt have to do so and is DOt under any duty 01 obliiaCion In do so. It is ~ We Lender incun; no liability for not caJdng any or aD acrlons authorilled wtdec this Section 9. fIIloICPA) 10501' ...... of ,. I~hl"'; .ccJ:t T (Yl tI Form 10*' 1/01 VDl 3 3 0 9 PG 3 5 2 MAR-22-2007 10:57 PATRICIA BLACK ABSTRACT 7173372248 P.20 2435252'18 Any amOUDta dilburscd by Lender under dill Scc1l.on 9 IIhaI1 become additional debt of BOI1'Ower eec:u.red by this Security Jrit.tnlm&mL 'lbcao emounrs than bear mtcre4t at tho Note rate from the da&c of disbursement and shall be payablo, with IUd! unereat, upon l'IOtke from Lender 10 Bo.rrowct rcquosting paymeflt. If ItUs Security Inmument is on a lCMhold. Borrower shall comply with all the provisions of the lease. If Bonower acq,uitcs fee title 10 the Property, the leasehold and the feo tit10 shall not mtqe anINI Lender agrees 10 the metgt.l in writin,. 10. Mol1pge IIISUI'aDCI. If Lendm' requin:d MortiaF IJISIInUlCe as a condition of making rhc Loan. Borrower abaIl pay the premiums required 10 main1ain the Marti. 1D8UlIIlcc in effect. If, for any reason, die Mqap In.uraau:e lXJVeraae roqWod by Lender ceases to be avalJabJc from the mortpg. insurer that ~\'iousJy provided &11~ jQ$UnJnCe aDd. Berrower wu requlrec1co make scp8t8tc1y cleslgnaftJd payments toward the premiums for Mortpae Insurance, Borrower shall pay the premiums required to obtain COvtnge subltllntially equivalent II) che MorIpie Insurance previously in offect. at a c:Cl8t substantially equivalent to the cost to BolI'OWCI' of the MoItpgc Insurmc:e prcwiously in effect, from an altanate JnO!'tpp inJbrer selected by Laldcr. If sub&1anda11y equivalent Monpge Insuram:e covcnac Is not anilable. Bmrower shall continue 10 pay IIJ Lender the ~unt of the separatdy dcsipatc4 payments that were due when the insurance coverage ceased to be ill effect. Lendet wi!l. accept, \lac and retain theso paymenlll lIS a non-refundable loss reserve in lieu of Mons8Je Insurance. Such Ioali l'OMtYa IhaIl bt non-refundable. notwiNtanding Che fact tIW the Loan is ultimlllely paid in fUU, and Lcndor shllt not be "'lubed 10 pay BClm)W$t any inteteat or earnings on such Iou resetvc. Lender can no longer req\lire lo8a reserve paymcntl if Mortpse IDSUtlIlCC c:ovcraae (in the amGlUlt and for the period fhat lAlnder ~ulm) provided by an inllllr8r lIClIeOttJd by Lender apin becomes avalJabJc. is obtained, and Lender rcquiRI separately dasignated paymeota towar4 the premiums for MortgaBe Insunncc. If I..endsr required Mortpge I11JUnIIlCC U II condidon or making rhc Loan a4 Bon'ower was required 10 make sepGnltdy dcsigaaIcd paymcnL1 IOWard the premiUmlI for Mortgage Insurance. Borrower shall pay the premiums requlrecllO maintain Mon8810 tnsutancc ill effect, or TO provide a Don.rduDdabIc loss reaervc, until Lender's requirement for Martpce Insurance ends in acconIanee wi1h any wriUeu qreement between Borrower and Lender providm, for melt tenninatiQtl Of until tarmu.atioa is rcqujred by App1ic$ble Law. Nothing in lhiI SecIion ID affects Borrower's obliption 10 pay interest at the rate provided ill the Note. MDllCage IaIunlDcc teimbur&es Lender (or any entity thal purd1ues the Note) for cenain losses it may incur if Boaowcr does not repay tho Loan III agreed. BoIlowcr is not 8 party TO the Mortgage fnllUt8tlcc. Mortgage insurers evaluate their total rilk 011 aU I\Idl inaurIDCC in force from time to time, and may enter into agrecmenlB with ocher parties !bat IbIrC or modify their risk, or reduc:e Ioaea. Theao BgRleIJlCRtlI are on tenn8 and condidon. Chat are salisfllCtOl'1 to the trIOI'tpp inmrer and the other plIl1y (or parties) to dlese asreemenll. TheIe aareemcn.1S may require Iho martpp insurer 10 matce paymcntl usiq any source of funds that the m011gBp inIurer may have available (which may include funds obtained tram Mm1pp In&urance prernlums). AJ a reauU of 1heac IifCCI1ICIItI. LcIldcr, any pUrCbucr of Ihc Nora. anod1~ insum', any rei11surcz. any odlCt entity, or any armwc of any of the forego in.. may rocolvo (directly or iadirectly) mnounlJlIw derive from (or might be characterit.cd as) a pordoo of BonvwCl'S paymentl for Monpp InauraIItC, in exchange for sharing Of rnodifyins rhc morcpp insurer's risk. or rocJuc:ins loslOl. If IUCb qreernent provide. that an aftll~ of LeDder taJccs a slwc of Cbc insurer's risk in =chqe for a ahanl of the premiums paid 1.0 the insurer, the urangcment is often ICmlcd "captive roinsutancc." Further: <a) AD)' II1Ida llI'felDeall will Dot affect thr amOUIdi fhaa BCJlTowet ball agreed tn pay for Morteaee In......... or aD}' other termI 01 tile Loan. SUcb apeeaenu willooe inCi'eqe the Itlllount BOI'I'O\1Ier will owe for Mo....... lIlsurance, aDd !bey wW Dot eatWe Borrower to aD1 refund. _.IIPA) IOOCll) Inkl.I.: ~ ft" Tml-l It.;_, gill Farm 103!i1 1/01 VOL 3 3 0 9 PG 3 5 3 MAR-22-2007 10:57 PATRICIA BLACK ABSTRACT 7173372248 P.21 243525278 (b) Any IUcla .er...-tI wiD .at affect tile rJabIlI Borrow<<r baa - it ..y - witb respect to the Mortaa,.IIII.nee lIIlCler the KOIDCOWDaI ProtedioD Ad of 1998 or any otllll' laW, Tbae riabtl may IDdude the ript to neelY. certUa clildDRra, to request and obtain cuaIIItiota or tilt Mortp,. I~I to haft tile ~ IuunDce ~ ....Iic:dy. and/or to neely. a reftmd of ..Y MortpJe Iuuruee ~ tlute... ~ at tbe time of 8atb aacd8tioa or tennJaatloJ. 11, Auipment or ~ Proceeds; Porfeltllre. All Mitr.1eDaneouB Proceeds are hereby assipJed 10 and IIhaU be paid 10 Lender. If the Property is damapd, such MisccUancollS Proceeda aha1l be IPPlied 10 resrmadon IX' npair of the Propen.y, if tho rcstaration or repair is CCOftOmicaJJ.y fcasibIo and Lender's socuril)' is not 1eascncd. During such repair and restoration period, Lender shall have the right to hold sucII ~ Proc:eeds until Lender has had 811 opJlOltUnilY to inlpect such Property to ensure die work has \leen eornpler.ed to Lender's AtWaction, provided that sucll inspection shall be undenakcn promptly. Lender may pay (or lbe nlplks and restoration in a liinjle dilbunemcnt or in a 8Clries of proaresa paymentllli the. wort is complet8d. Unless an ~cnt II made in wriw.. or Applable Law tequiroa iAteteIt to be pGcl on auch Miscc11anoous Proceeds, LelUter shall not be tequire4 10 pay Bonower aD)' intetc8t or CllJmin&1 on such MiaceIlaneoua Procccds. It the teSIOI'ation or repair' is not economically feasible or Lenda"s security would be 1euened, the. ~s Proceeds shall be applied 10 the SUlDS secured by 1bis Sccuri1y Insttument., whelher or not then due, with the. c:.xccas, if lilY, paid 10 Borrower. Sw:h Mi&cclJancoWl Proceeds shall be applied in the on:Ie1' provided for in Section 2. In the event of a 1Otallaking. destruction, or loss in value of ~ Property, the Misc:e1IancoUl Proc:eed5 shall be applit4 to tJIe sums secured by !his Security IMll'\lmont. whottlet or not then due, with !be cxcess, if any. paid to Borrower. In (be event of a panial raklni, dcstruolion. or Iou in value of rhe Propeny in which the fair I1UIl'ket value of the Propcny immediately before the pa1iAI taIdng, dcIuucdon. or 1085 in value is equal 10 or peatec than the Imount of 1M 11IDIlI aecurc4 b1 this Security Instrument immediately Wore the partial taking. des1ruclion. Of 1018 in value. unleel BOI'I'OWCr and Lender otherwise ape in writina. the sum. secured by !his SeaJrity InSIrUmc.nt lihall be reduced by the amount of the Mi8ceI'-neous Proceeds muldplied by the following fracdon: (a) the rota! amount of the sums secured immcd3ateJy before the parIial taking, destn1ction.. or los8 in value divided by (b) tho €air martct valga of the Property immediately before the partial taking, destruction, or 1011I in val~. Nty balanco shall be paid 10 Borrower. In \he event of a partial takins, destruction. or Iou in v~ of the Property in whk:h the fair market value of the Property immediately before Ibe penial takiDi. descruction, or loll in value is leas than Ibe amount of the sums Reured immediately beCore the patdaI taking, destruclioo, or loss in value. onl&'IS Bonower and Lender otherwise agree in writlni; &he MiseoUaneous Prot:oeds shall be applied to the sums secured by this Security Inmwuent whether Of aol the 81J1JII are then due. I! the Propeny is abtndonecl by Borrower, or if, lifter nodce by Lendc to Bottowrr that the Opposing Party (as defined in the ~t sentence) offers to nWce an award to settle a claim for damages, Bomnver fails to respond to Len4cr within 30 days after the date the notice is given. Lender is authorized to collect and app~ the MisccUanoous Proceeds either to rcalDrldon or repair of the Property or to tho sums secured by tbll Security 1nIcrument, wbether Of not then due. "OppoAn, Party" mear18 the. third party tIlat owes Boaower Miscellaneous Proceeds or the party against whom Borrower '* a right of aedOI\ in regard to MiJoe1laneous Proceeds. Borrower abalt be in default if any IIClion or proc;eedins, whclhcr civil or criminal. is begun dlal, in Lendar's judsmen... could fCSUII. in forfclturo of the P.taparty or other n..w impairment of Lcndct's mtmlst in the Property or righUl under Ibis Security Inl1rWnCnl Boaower can cure such a cWlIUlt and. if ~leration has oc:currcd, rcinslaCCllIS pr<?vidcd in Section 19, by causint the action ot proceeding 10 be dismissed with a ruling that. in Leader's Jud&monl. pracludc.s fadctture 0 the Property or other material impainnllllt of _-I(PA) (Oillll) Inlll"': ec,tt- TmH '''.10 alII Form 80lt 'f1G1 YDl 3 3 0 9 PG 3 5 4 ~AR-22-2007 10:58 PATRICIA BLACK ABSTRACT 7173372248 P.22 ....',..... 243$25278 Lender's inrarest in the Propea1y or rilhlS undec this Security lnltrument The proccedIl of any awBrd or claim for darnaps tba1. ~ aItrilNtablc II) the impa.innent of Lender's in1el'C8& in tho Propelt;y are heleby assigned and IhaD be pei4 10 Louder. All MisceUanoous Ptocoeds that ""' not appUcd to reslXJriJIion or repair of tho Property shill be app1i.cd in the order provided Cor iD SOC\ion 2- u. Borrower Nul ReJeued; Forbmranee lIy Lemler Not . Waiver. ~ of the lime for payment or modi&adon of amortization of the sunu secured by thiJ Secwity lnatnlment granCCd by Lender to Borrower or any Succeaar in Inrerest of Borrower IhlUlIOt openre to rc10fUIIlM IiabiIi&y 01 Borrower or lU)y Suc:ceI.'lOB in JDtt:re$l of Bonowcr. LeluJer shall aot be requlrecl to commllllCC proceediags _st any SuCCCSagr in Intercll of Boaower or to refuse ltI excmd time for payment or 0lhetwia6 modiCy amorti2alion or <<he sums secured by tbis Security Inllnlmeot by rc:uon of any demand I'IlW by Ibe oripI81 BoD'OWet or any Successors in Interest of Borrower. Any forbearance by Lender in exetCisinl any Jiaht or remedy including, wilhoutlimitadon. Londer'slll.1ClCptancc of paymenw from 1hifd pert01l" entities or Successors in tn~ of Borrower or in amOUlltB less than lhc amount then due, shd not M a waiVtl of or preclude me exercise of any risht or remedy. 13. Joint ...d Se\'eral LiabDity; CHipen; S~ aDd A$Iipa Boand. Borrower covenants and agrees that Boaow<<'s obUptions and liability shall be jolnt and 8evCltlll. However. any BOJrower who co.. this Security InstrUment but does not eucutc the Note (a "co-sipult): (8) is co-Signing this security In!llrUment only to monpae, plt and convey the CO-siper'8 inlereBt in the Propcny under the tcnns of dWs Security ID8Il'ument: (b) is not pmonally obJiplled 10 p~ the sums secured by dais Security Instrument; and (c) agrees that Lender and any other Borrower can lI8I'8e to ~lend, modify, forbear or mab any accommodations with regJlrd to the Itnns of this Socuri'Y IDstrument or the Note without die oo-algncr's consent. S utlject to tho provllions of SCC1lon 1 S. any SlKlCCISOl' in Interest of Bonowflt who assumes Borrower's obqaaons under lhis S~ty lnallUmcnt in wriIini. and is approved by Lender. sbaU obtain an of BorroWCl"s rilfns and bcncf'JlI under dUB Scc:uri1y Instrument. Borrower shall not be released from BOttOWCl"s obligations 8IId Uability under dUB Security InsIrument unJeas Lender agrees to weh release in Writing. The covenants and qrcemenll of this Security Instrument shaJJ bind (except as proVided in Sec:don 20) and benefit the IUClCCaIOrs and -Isns of Lender. 14. Loan ChlqlS. Lender may cJ\arp BottOWttl fees lot IIelVices performed in CMIlt.Ction with Borrower's d4nult, for dlc purpose of Pl'O~ I..cflda's inlierellt in the Property and righlll under Ihu Security In8tl'U11lan1, inc1udinj. but not limited to, aamneys' fees. propc.rty in$pection and valuation fees. In reprd to any other fees, the .bRace of exprCII authority in thi. Seeurity Instrument 10 chqc a 8pcd& fee to Borrower sball not be construed as a ptOhibilioa on the -BinI of such fee. Lender may n01 charge fees lhat are ~preuly protu'bited by !his Security IDStrumellt or by Applicable Law. If the Loan is subject to a Jaw which lefll maximum loan chargeg. and tbat law is finaUy interpreted so that the mterest or other 1cwl dllqea col1ectcd or to be co11ecred in connection with thCl Loan exceed the penniucd limits, then: (a) any such Joan d1arge man be reduced by the amount necessary ro reduce tho c.baJ'ge to the permitted limit: and (b) any sums already canceled from Borrowct which exceeded permitted limits will be refunded 10 Borrower. Len4er may chooAe co mllb dU$ refund by redudng !he principal owed under die Note or by making a clirec:t payment ro Borrower. If a refund reduces prinCipal, the reduction will be treated as a partial prepayment wilbout any prepayment chirp (wholher or nOL a prepaymont charge i.s provided for undar rhe NoIC). BOtTOWCl"s acceptance of any sucb refund made by clirec:t payment 10 Borrower will constitute a waiver of any right of action Borrower mipt have ariAinI out of such overcharge. cst-CSCPA) C0501' "IS- 11 Dr 15 1."I.It.; celt TrnH Form 300 1/01 rot 3 3 0 9 PG 3 5 5 MAR-22-2007 10:58 PATRICIA BLACK ABSTRACT 7173372248 P.23 2435252'78 15. Notic:es. All notices given by Borrower or I...eucb' in ccmneetion with this Sc:curUy IRlltrUment most be in writing. Any notk:c to BOl'I'O'NCl' in 00Dn0Cti0n with rbia Sccuri&y lnstnament shall be deemed to have been given to BoJrOWcr when ma11ccl by fhost c1us mail or whon lICtUa1Iy doUvmld 10 Bl)m)We('lI notice ~ if BeIlt by othor' means. Nodce to anyone Borrower sbatl coa.w notice to all ~ untca Applicable Law expressly =' otherwise. The notk:e address shall be !he Property Ac:Idr'clu unless BOtTOwor has dcsignared . au . Ie noIice IIddreu by notice 10 Lender. Borrower shall promptly notify Lender of Boaower'& chlDp of addmts, It Loader lIpccifica . procedure for reportinc BOIJ'OWClt's change of addnIu, "'en Bcrrowe: ahI11 only rcpoI1 a ohanae of addrCII throqh that spccifJed procedure. Thero may be only one de&ilna&ed nodce address under tbiI Securily Inscrumcnt at auy one time. Any notiee to Lendt: .haD be given by delivering It or by maiJinl it by rnt clus mail 10 Lender's adcbeI8 8Dted berein anla8 l.ender has dcalinalCd another address by nOIic:e 10 BOD'OWCI'. Any notice in c:amJeC::1U>n wtdt thi& Security Inattument shall not be dccrnod to have been given to Lendar unlll actually TC:ICClived by Lendtlr. If any notice req\linld. by thiIl Secudty mlllnUncnt js a1IO IeQ.uired uudcr Applicable Law I the Applkablo Law requirement will satisfy the correspoDdi!li requiremeDt under thiI Security InSll'\lmcnt. 16. GoverDilll Law; Severability; Rulli or CollStr1ldio.. This 5ecurity Instrument sball be governed by fedcta1 law and the Jaw of the jurisdic:don in which die Property is IocarM. All rigbts and obligarions conlaincd in this Sccuri1y Instrument In subject 10 any requirements and limitatioM of Applicable Law, Applicable Law might explicitly ()f implieirly allow the paniAs to a&fCC by con~ or U might be silent, but $uch II.ilmee shall ROI be COI1suucd 88 a proIIibiCion agawt iIIRCft1llDt by contnlcl. In the event that any provision or elauso of thill Security Instrument or the NOte COl1flic:ts with Applicable Law. such conflict shall not affect other provisions of Ibis Seeurity InllnUnent or the Note which can be given effcct without the C(lntltcdng pr~ision. A8 used in this Socwity Instrument <a> wards of the mascuUne gender shall mean and include corresponding neat<< wOtd$ or words of the feminine lender; (b) wmds in die singular shaD mean and include the phJral. and vice 'lena; an4 (c) ~ word "may" gives sale cl.ifkntion without any obligation to take any action. 17, Borrower'. Cop)'. Sonowcr shall be gjven one copy of the Nore and of dUI Security InsttumcmL 18. Tnmsfer or the Property or a Bcnd"IdeIIDtlrat In Borrower. As ullCd in this Sec::tlon 18, "In&crcsJ In 1tl~ Property" I'QellnS any JcaaJ or benofic:ial infaest in the~, lnc:1udins, but not limited 10, 1h00e ber1d1dallnterestl rnnsterred il'I a boR<l for deIId, CORnet for deed, iDaWlment sales contr8Ct or escrow agreement, the intent of whicb is the lnInSfer of !ide by Borrower at a t'unue _ 10 a purchater. If all Of my p$\ of the 'Propeny or any Inlaat in tI\e Prapeny is sold or uanaferred (c. if Bom>wtr is not a natural potion and a bcIIcficial inlCrellt in BOJtOWa'is 5014 or UlnSfmad) without Lender's prior wriucn consent, LQnder may roquire im~rnent in full of aU sums ICCUrcd by Ibi$ Security Instrumonc. However, this option lIhall not be . by Lender if such ~ is prohibll&ld by ApplieabJe Law. If Lender exercises Ihit option. Lendel sball Jive Bonowet nodce of acceJ<<aticm. The notice shall provide a period of not less than 30 days from !be date the nof.icc is Biven in lICCOI'dance wilh Seclion IS within which BOtrOwer must pay allIUm secured by lhiI Security InslrUlnCnL If BOITOWCI' fails 10 pay theie sums prim to the expiration of Ibis period, Lender may invoke any mnediea permUted by this Security !nslnlmeat without funher noIice or demllnd on Borrower. 19. Borrower" Ript 110 KeiMtate After AcaleratloD. H aanower meers certain conditions. BotrOw~ shall bave the right to have cnforc:emaot of tIIis Security tnsawnem discontinued ill any lime ptiDr to the earliest of: (a> five days before sale of the Propony pursuant to ~)' poWOf' of 8alc ClJl1tAincd in this Securily Insr.rument.; (b) lmCh othe: period as Applicable Law might specify for the tcnnination of Boaower's right to relMwe: or (e) entry of a ,judamcnt enforcinl thil SecuritY Instrument Those ~ndi1iOf1S are that Borrower: (a) pays Lender all &\mUi which tMn woukl " duo 1I1\dcr 1hill SClCUI'ity Instnu'rleDt BIld the Note as if no acceleration had cx:cwTed; (b) CUtl:lI MY default. or 8Ay othm covenan1S or QgIeemenCII; (0) pays all CIIt'll(PA) (OSOllI celt 1mN '"Illa": P"rm '039 1/01 Pall_ '20' II VOL 3 3 0 9 pr; 3 5 6 MAR-22-2007 10:59 PATRICIA BLACK ABSTRACT 7173372248 P.24 2435215271 cxpcn* incumd in enfOtciftJ thia Security InsIrUment, including, but not Umlted 10, reaoneble atlDmCys' fees, property inspection and valuadon fcea, and other f. incurred for the PUJP08C of protectin, Lend8r's interest in the Property and righra under this SccurUy InsIrumau; lI1d (d) takes such llICtiOn as Lender may reasonably require to asaure that l.Amder's in1eteat in the Property IIld risbll uflder this Security In~t, and Borrower's oblipdon to pay fh8 IUm8 secure4 by &his Securif.y Instrument, shall continue unchanged. Lender may requite 1bal Bmrow&Tl' pay such reiDscatcment IUmllUId expenses in ono or mere 01 the fo1JowinS forms. at ~t.cd by I..ender: <a> cub: (b) moMY order: (e) certified. check, baPIc chec1c, creaurer'$ ebcx:k or casbier's check, provided. any such check is drawn upon an institution wl\aIe deposu are insute4 by . fedora1 lI8cncy, instrumentality or entity; or (d) Elccttonic Funds Trlnafcr. Upon reiD.-rnent by Borrower, this Security lallrUmCnt and obl1pdons accwed heroby sball remain fully clfecdve as If no ~don bad occumx!. However. dlis ri,bt 10 tcinslale sbaIll\Ol apply in Ibo case of acc:eIetadOn \JJtder Scction 18. :ZOo Sale of Note; Cuap 01 LoaD Servleel'i "'otIee of Grit..... 1110 Noes or a partiaJ intemt In the Note (toptber widllhi.s Socurily Iumumeat) can be sold one or ~ times without priot notice. to Barrowtl. A sale might teSUU in a change in dle enlity (known .. the "Loan Servo") that eolIcets Pmodic Payments due under the Note and lllis Security Instrument and parfonns. olber mortgage loan servicing ObligatioN und<< !he Note, Ihis Security Instrument, and AppJk:ab1e Law. There also might be one or more changes of the Loan Servker unrelared to a sale of the Note. If d1ete is a chan&e of tho t..o.n Servicer, Borrower will be given wriue.n notice of the chanle which will s\8f,e !he hllme met addreM (If dle new Loan Scrvice.r, !he address 10 whjch paymenl.9 ~ould be made and any other irlfonnadon RESPA requires in connec;tion with a nolke of 1r.InSfer of servicing. If the Note is sold and Ihereafts' Ihc Loan is 'erYi(:ed by a Loan Servk<< olher than the p\ll'dlaser of the Note, lIle m0rtP86 loan scrvidng ob1igacions to Borrower will remain with the Loan Servicer or ba traDSfmed 10 a suc:cessor Loan Servicet and. ate not assumed by the Nora purcba._ unless otherwilllC provided by the Noce purchaser. Neither BC)l'tOWC'l' nor Lender may ~. join, or be joined to any judicialll4:tion (115 either an individual Utigaat or the member of a clIa) &hit IriHlI 110m Ibe other per&y's actiona pursuant 10 this Security !nattumont Of that aUtJ. thaI the other party bas breached any provision of, or any duty owed by reason of, this Security Insuument, untilauc;h Borrower or Lender has DOlifiod tho other I*tY (with such notice given in compliance wilb Ihc requirements of Scctimll5) of sucb aUe,ea breach and afforded the other party hereto a reasonable paiod atW' d1c BivinS of such nQCice to lAb comctive action. If Applicabla Law povides a time period which must elapte before ~ acdon can be laken. dw time period wiD be deemed to be rea.mnable for purposes of chi! p,uqraph. The nOlk:c of acccJoraIion and cpportunUy to ~ Jiven to Bormwcr pursuant to Section 22 and the notice o! ac:ce1endion given to Boaowcr pursuant lD Section 18 shall be deemed to satisfy the nodce and opponunity CO take corrective action provimnlll5 of tbll SectiOD 20. 11. HazudOllS Substallces. As U*ld in !hiS SecIion 21: (a) "Hazardous Substanccl" are those subltanc:es defined 81 toxic or ba7.ardoUl IUbatancei, pollutanra, or wutes by Bnvironmental Law and. !he followin, subsl8nCeS: guoline, kerosene. othc:t tlIlmln8blc or toxic pelnJJeum producra, toxic pesticides and herbicidca, voJati]e solvents, malf:rials conraining u'bellDt or lomlludcbydc, 1Dd. radioactive materiala; (b) "Bnvironmental Law" means f~ laWIIlI1d laws of the jurisdic;tion whcm tho Property is tocared 1h8f. relate 10 healCh, safety 01' envirOnmental pro*lion; ee) "Envuonmenlal Cleanup" includes any response action, remedial aclion, or temoval acdon, as deftnod In Enmnm=tal Law; act (d)' an "BovironmCllltal Condition" meaas a condition that can cause. conlribute.to, or otherwise trigg<< an 'Bmironmenw Cleanup. ~"CPA) 105Oe, I""'....' CCt( TmH P~.,~ ot l' Farm lOll 1/01 VOL 3 3 0 9 PG 3 5 7 MRR-22-2007 10:59 PRTRICIR BLRCK RBSTRRCT 7173372248 P.25 243525278 Bmrowe: lIhaJl not ClWIC or pcmJit the prcse:au:e, use, diIpoaaI. ltoraa:e. or ra1eue of any Haunlows SubalanCCi, or rhn:at.cn to rcIcaIIc any HazIrdOUI Subll8llCa. on or in the Property. BO!'1'OWet shall not do. nor allow anyone elae to do. anYIhiDa attecCinlIhc Property (a) dlat ill in vioJalion of any Environmenlal Law. (b) which Cl1:lItt.S an Environmental Condition, 01' {c:) Whic:h, due to the pteI<<ICe, U8C, 01' reJcase of a Hazardous Substant:e. acarcs a concIidon that adversely altCC1l t.be value of tile Propeny. The ptflCtIding two senUlDCeS shall not apply to tho pICIClIIce, lISI. or .torqe on !he ~ of smalf quantities of Hazardous SubJtances Ihat are paeqll.y recopif.ed. to be ~ to nomaI reaidcnWtlI1_ and 10 IIl8intcnance of lhe ~ (in~. but not limited to, hazIrdous sublCanCell In c:onsunv.r producg). BCmower sba1I ptOmpdy give Leader wriUen nodce of (a) any lnWllliailion, claim. demand.. lawsuit or other action by any lovcmmenral or R~ apnc:)'. or pri~ party involving tbe ~ and any HazardoWl Substance or BnvironmenW Law of which Bonower hu ac:tual know~ (b) any EnvitonmenllJ Condilion, includin, but DOt Jimjrc4 to, an,/ 1piDinJ, leatiq, diIchar&'c. telcue or dnat of re.1easo of any Hazatdous SubslBnce, and (c) any condidon c:IUICd ~ the preaaace, UIe or release of a Hazaldoua Subltanc:o whiCb advetMly lIft'ecu the vlluc of the Prope.ny. If Borrower learn... or is notified by any IOvcrnmaual or re.IUlatDrY authority. or any private patty, rh8t.y remova1 or other remedfaIion of any ltazIrdoUl S'UbIWtco B<<cccin&' dle ~ lJ nt'JCea8I')', Botfower Mall prOmptly like all necessary remedial actions in aa:ordance with Environmonlal Law. NodUng herein shall crea1C any obliption On Lcndtt for an Bnvironmenlal CleIInup. NON.UNIFORM COVENANTS. BoIrowcr ud Lender funlter CO\'el'l8Dt 8I'Id agroe as foJlows: 3a. Accellratlo.; RemedJa. I.adeJo IbaIl p.,. JIOdct to Borrower prior '0 ~ltratioll toUowinc Borrower', breach 01 aD)' cov.....t or lP'ftJDeat ill tIds Stcari&y tU1nlDaat (IIut not prior to aeederation uDder Sectioa II UDIea Ap~liclb&e Law proftdet otWwIIe). L__1bd IlOtiI)' Borrower of, ahJOll' otller tbilap: (a) die defaDltI (b) the 8dIoD required to care Ule default; (c) wMD the defauU must be eared; laid (d) that falllm to C8tC tilt clef."t . IJ*i&d DlIY nnJt bl acaIendoD of tile I1Im$ secured by daft SeearitJ lastnuaat, foreclolure by j1Ididll proeeecHa. lad ... of the Property. Lender lUll rurtber bafot'lll BortO'ftr of Ole rialat &0 reinstaIf after al.'aleratioa 8Dd the ripU to I8Iert ill the foredoiurt proc:eedlDt the DmwxllteDce of . detaalt nr ...)' other cWeMe of Bomnwr to acceJeratiola aad foredotu'l'c.lr the default;' DOt cured Ie lPedfted, Lader It its opdoD m.y reqQire iJDmedlate paymeat ta full of aU lIaInI ~~.. = IDatruaeat wllllollt fq,rtber demand lmd ana)' fonc1Ou "II Sec:aritJ IDItruIDllll b)' j P II. Leadtr sbaIl be eati&Ied to eoIIec:t an apftIIl8 illeUmld lD pamaiDJ th. maldia proYidtd III tJds Sectfoa 11, 1DeIadhl" but hot limited to, a~.' r... aad COlla of title e.JdeDce to the atlDt penniUed by AoUcable Law. 23. a...... Upon paynwat of aIllUmlllleC:UrecJ by this Sec::urity rni:arumcnt, lhiI SClCUt'Uy lnslmment and the estate conveyed 1hI11 rtmlinatc uel bocome void. After lOCh ClCC1Il'ftmCC. LeDder shall dilcha:rae anel sacilty Ibis Security InsIrumcIIt. Bouower IhaU p"&y any m:mdadon COlli. ~ may ehqe Borrower a (co for IeIeIsing this Security Inmument, bu\ only if the tee is paid to a thiJd ptIrty for aerviceS rendered and tile char&ini of the fee is permilted under Applicable Law. 14. Waiven. Bonowcr, to the extent llC1111aed by Applicable Law, waives and...... any error or defeclS in procee4inp to enfon;e dda 8ecurlty lnIlnlment, 11I4 ~ waives the hmdil of an)' present or future laws providJn. fOlscay of execution, extension of lime, excmpacm from .trachmcnt, levy and sale. and homestead exemption. %$. aem.ta_at Period. BotR)WCl'" Cimc 10 reins_ provided in Section 19 shall ext&lDd to one hour prior \0 the commencement of bidcUne ata sberift"lI .. Of other "))I.nU&t to chis SccurUy InalrUD\C:nt. 26. Pun:bas. MOD&)' Mortel", If any of lhc debt IIIc:UrO<l by Ibil Security Instrument is lent to Borrower to acquire tide to Iho Property. t.biJ Security Jastnllncnt shill be a purcha8c money mottpge. 1,7. Interest Rat. Alter JuclpneDt. Bottowar a&rCCI that the int&nlt rite P!I)'abtc after a Judsmlllll is entered on the Note or in an action of mottpge foreclOsure shall be tho ra payabtc from Wnc to time undtlr the Note. ~.'(PA) (OIO') "ag. 14 III 111 lohl-.; C'c H 1ml-l Form soa. 1101 VOL 3 3 0 9 PG 3 58 . MRR-22-2007 11: 00 PRTRICIR BLACK ABSTRACT 7173372248 P.26 2435252'7' BY SIONING BBLOW, Borrower acceptS and IpeI to die telml Ind. covenants contained in d1is Security InstJument 1lfI4 in illY Rider executed by Borrower aDd rccotded wUh it. WilneS8e8: L~ 04 ~ fhri (Seal) -Bonow" (Seal) .B_ower (Seal) -Bonawlll" (Seal) . Bottowc.r (Seal) -Bomwer (Seal) 'lSonOWllt (Seal) .1-.., (SC'Al) -Borrower __...(PAl (06DII) P... 15 ~ 11 Form SOS' 1/01 VOL 3 3 0 9 PG 3 5 9 . 'MRR-22-2007 11: 00 PATRICIR BLACK ABSTRRCT 7173372248 P.27 COMMONWEALTH 0' PENNSYLVANIA, On this. the ;)..1J6 day of unlW'Jigoed omccr,~ 'l'DIO'IIIt' II. BUllY f~~)"'ltu JJoVEMA 91( J ;J.()t>t: 243525278 Coanty Sll . beCOJe me, ~ known to me (or satisfactorily proven) to be the person(lI) whc>Je tlame(s) Ware subscribed 10 thfI within instrument and actnow1cdged that be/8helth"Y 8UCUled the HIM for the purposes herein contained. IN Wl'INBSS WHEREOF. J ~ set my hand and offic:.iallea1. My Commillsion Expires: NaIIIIIISelI WJ::.~~~uIlIo MyCommlll:r~~ ~2007 MIrntlitr. PtI.~ Al nllllD/I 01......... ~rx.~ JJ97Nl\( PLJA tot c Titlo elf Offio.r Cel'tlftcate or R..uIeru:e b L I. ~ IiliI =a W. "" '1..Jj,S f..e'( , do hereby CCl1ify that the correct addrcu or 'iY:jthiftwlwncd MartlUeCjs 2828 TR UItWDOO, DmoLU, ':X 75201"1516 WiUlC811 my hand this ~ IJ'& day of ~OVE~Ctt \ ;l-8{)f t. ..." O~ "IV ~J-~ Ac'" '" MonPPI W ~ R... L, ""'.$ e.-E '( _.I(PA) 10501) p...,e 01 ie In"~.; cc If Trn+J Form 30~1I 1/01 VOL 3 3 0 9 PG 3 6 0 'MRR-22-2007 11:00 , . PRTRICIR BLACK RBSTRRCT 7173372248 P.28 Order N~r:.1370623.2 CAMIiLB HARRY 1136 ASHTON Drive Shippensburg. PA I72S7 FRANKLIN EXHIIn' It. ALL THAT CERTAIN tra~ or pvceJ of'-' lying Ittd betns SQ. in ~ Township, Fl'IDklin County, ~ylvania. on a subclivilion plan of K.aphoe Developmcnt Corporation, safd plan being recorded in the om" of thll Recorder ofOeedl ofFranIcIin County, Pcmnsylvuia, in Volume 288 "I", Pap .$64, Mwc SB. being Lot No. A-20 on said Plan, more twly bounded and dcacribecl u followl: BEGINNING at a poilU on the tolnb side of Aabton Driw It comer of Lot No. A-19; tl\tQlle by lIlIid lot South J 3 dcp'eea 41 minutes S8 ~ Base. 170.00 feet to . poilu and comet of Lot No. A-19.1htllGC c:ontinuina by same North 68 degrees 2.S JDinu!cs 02 secondl BaIt, 131.24 feet to . pobrt In llDe of a rocreadOll area as shown on Fin.DJ Subdivision Plan oflCaphoc Developm&W Cotpontion M NCOrdeclla Volume 288 "1". Pap S64 and following; tMnce b)' said J"KreatiOll area. South 13 ~.. 41 milWtes S8 secobds 'East. 177.65 feet to a point in line of lands now or formerl)' of the Nortblk Southom Corponrtion Railroad; tbtnQl by said \aQds, South 71 degrees 29 minucea 00 seconds West, US.55 feet toapointat llOmCrofLotNo. A.21i thanee by Lot No. A.21. Nonb 13 degrees 41 minutes 58 seconds Wost, 342.71 foet to a point in the IOUth ,ide of Ashton Drive; 1henc:e by said road. Nonh 76 degrees 18 minutet 02 seconds East, 25.00 r.. to a point the place ofBEOlNNlNG. SUBJECT TO the Kaphoe Development Corporation Statement ofColmmmi~ Rulea IDd By-Laws oflCapboe Homeowners Association IS rcc:orded in the Office oCthe Recorder otDeoclt In and for FlUklin CO\Il\t)', PeonsyJvania, in Deed Book 1214, Page .570. SUBJECT PURnmR. TO specifIC bui1d1na and other reslrictioDs IS set forth in the Deed recorded in tho Ofti~ Pftbll Rocorder of Deeds in lIQd fOr Franklin COUnty. Pennsylvania, It Deed Book 2.573, Pap 425. PARCBL#2t..oNl()C.020A DBV 2758 PAGE 111 'Il 3 3 09 PG 3 6 I . .. . VERIFICATION Kimberly A. Bonner, Esquire hereby states that she is attorney for PLAINTIFF in this matter, that Plaintiff is outside the jurisdiction of the court and or the Verification could not be obtained within the time allowed for the filing of the pleading, that he is authorized to make this verification pursuant to Pa. R. C. P. 1024 (c) and that the statements made in the foregoing pleading in the Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of his knowledge, information and belief. Furthermore, it is the undersigned's intention to substitute a verification from Plaintiff as soon as it is received by counsel. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Dated 0 \ 'if/I 01 JU~~ ~ Kimberly A. Bonner, Esquire P A I.D..#89705 (J -IQ.. 58 7f ~ ~ ,...." () ('~.:::::) c") ~~~ ----J 8 ..,;:.. -.... _,J.... rn~ .... j:~ ;:0 .'om """- Vv f'\..' -00 ~ D Ft! CD ~-~~~ ~ ~. :'-'" -rl ~ ...., ~2() W --.,,,, --""- .-.-rn , w (~ E L~ .. ?:O z ....-=- --] =< ~ -<. N IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NA TIONST AR MORTGAGE, LLC f/k/a CIVIL DIVISION CENTEX HOME EQUITY COMPANY, LLC, NO.: 07-1701 Civil Term Plaintiff vs. TIMOTHY M. HARRY and CAMILLE C. HARRY Defendants. PRAECIPE TO DISCONTINUE ACTION TO THE PROTHONOTARY: Please mark the above captioned matter settled and discontinued. Respectfully Submitted: DATE: ,I ) ( / L() ill BY: S tt . letterick, Esquire PA LD. #55650 Attorneys for Plaintiff P.O. Box 650 Hershey, P A 17033 (717) 533-3280 r-' c::> c::> --- !O :;0 I W -0 - ~ <.J1 J="" ~ :r!-n rnc -c'"'m '~]l~~ c~o :;~lT\ o --I ~