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LAW OFFICES OF GREGORY JA V ARDIAN
BY: GREGORY JA V ARDIAN
ID# 55669
44 SECOND STREET PIKE
SUITE 101
SOUTHAMPTON, PA 18966
(215) 942-9690
Attorney for Plaintiff
RESIDENTIAL FUNDING
7575 HUNTINGTON PARK DRIVE
HM 3122
COLUMBUS, OH 43235
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
VS.
NO. 01- 5q J or Ct V ; I
TRACY DAVID FOSTER
1775 KINGS ARM COURT
NEW CUMBERLAND, PA 17070
DEFENDANT(S)
COMPLAINT IN
MORTGAGE FORECLOSURE
COMPLAINT - CIVlL ACTION
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this Complaint and
notice are served, by entering a written appearance personally or by attorney and filing in
writing with the court your defense 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 NOTICE TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP,
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
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LAW OFFICES OF GREGORY JA V ARDIAN
BY; GREGORY JA V ARDIAN
ID# 55669
44 SECOND STREET PIKE
SUITE 101
SOUTHAMPTON, PA 18966
(215) 942-9690
Attorney for Plaintiff
RESIDENTIAL FUNDING
7575 HUNTINGTON PARK DRIVE
HM3122
COLUMBUS, OH 43235
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
VS.
NO.
Cll-bq I q C.N;I
TRACY DAVID FOSTER
1775 KlNGS ARM COURT
NEW CUMBERLAND, PA 17070
DEFENDANT(S)
COMPLAINT IN
MORTGAGE FORECLOSURE
CIVIL ACTION MORTGAGE FORECLOSURE
], Residential Funding, (hereinafter referred to as "Plaintiff') is an Institution,
conducting business under the Laws of the Commonwealth of Pennsylvania and
brings this action to foreclosure the mortgage between Tracy David Foster,
Mortgagor(s) (hereinafter referred to as "Defendant") and itself as Mortgagee by
Assignment. Said Mortgage was dated February 28, 1997 and was recorded in
the Office of the Recorder of Deeds and Mortgages in Cumberland County in
Mortgage Book 1367, page 1114. A copy of the Mortgage is attached and made a
part hereof as Exhibit 'A'.
2, The Mortgage is secured by Defendant(s) Note dated February 28, 1997 in the
amount of $87,970.00 payable to Plaintiff in monthly installments with an initial
interest rate of 5.625% (Adjustable Rate),
3, The land subject to the mortgage is:
1775 Kings Arm Court, New Cumberland, PA 17070.
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4, The defendant(s), Tracy David Foster is/are the real owner(s) of the land subject
to the mortgage and the Defendants' address is : 1775 Kings Arm Court, New
Cumberland, PA 17070.
5. The Mortgage is now in default due to the failure of the Defendant(s) to make
payments as they become due and owing. The following amounts are due:
Accumulated Late Charges
Attorney Fees/Costs
TOTAL
$84,344.57
4,736.10
500.86
3,700.00
$93,281.53
Principal Balance
Interest to 9/14/2001
plus interest from 9/15/2001 at $18.02 per day, costs of suit and attorney fees,
6, In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No.
6, Section 403 (41 P.S. 403), a Notice of Intention to Foreclose is required and
the Notice of Homeowners' Emergency Mortgage Assistance was sent to
defendants July 3,2001. The Defendant(s) have not cured the default.
WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for
the sale of the mortgaged property in Plaintiff's favor and against the Defendant(s), in the
sum of $93,281.53 together with the interest from 9/1512001 at $18.02 per day, costs of
suit and attorney fees,
Law offices of Gregory Javardian
BY:
Y JAVARDIAN
Y ill No. 55669
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~~N~INGTON MOR~GAGE COMPANy
TEL:514 480 5 87
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ADJUSTABLE RATE NOTE
(I YKrTrcllll1J ladea.......CIJll"PlIcd be CaIIvcrllln~IQtl)
ntlll NOTB ~NY"INS PROVISIONS A~~OWlNa FOR CHANGl!llIN MY INTI!Rl!8T RATE
At\lIlI" 1I0"",,",Y PAlIAM. 'Tt\II NOTE LIMITS THE AMOUNT MY, Aa./UlllULE
IN:1'EREaTIlAlll CAN CHANGE AT ANY CINE TlMIl AND THE MAXIMUM RAlE I MUST
PAl'. 'I1ll8 NOTE ALSO CONTAINS TIll! OP11ON TO COIIIVIlRT MY ADJUSTABLE RATI!
TO II PIIIlD RATE.' .
Fsbruuy '8 .19 87
1775 KINO' ARM' COURT
CAMP HIll PA
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HEI CUMBERLAND, CUMBERLAND County.
(PrQplft)'Mdl8al
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1. IORROWER'S PIlO"'''1 TO PAY
In I'C/Um for. 1011I IlW I bovo .....vaI. I p..II1I.. .. pay U.S. S 17.070. DD
Ub(o _um I. Q\le4 'pdndpal'). pi.. 101_. to 1\1. oT1l<r af"'" \.mid.,.. TIle IAl\der I.
THE HUMTIN8TDH NaRTOAOe GOMPIMl',"AN OHIO CORPORITION"
I und"'lII\d IlW lbo LencI.r may Irwl'er lid. N.... Th. ~d.. Of llIYo.o wba _ lid. N... by "",.r.. lIIllI
""'a" ..111104 10 _i.. ,.ymonll und.rthlt NOla I. called "'" 'Na.. Haldc:r,'
a. IN1'lRBBT
I....... wlll he cbarlle4 em lII\plil! pdllCip.l unln 111. 11111 IIIlOIlIlI aC prillclpll b.. been pBld. I will pay
1......1 lit _ ycul)r n.. .r I. &Z8D S. ",. 1......1 .... I will p.y _ ch..... In ....rd>nco willi Scoti.. 4 or
5 .f lid. N.I..
The bu..... "'0 required by lid. Soctlo. 3 IIIllI Seell... 4 .r 5 .r ,hi. N.la i. Ibo .... I wUl PlY 1Io1b ber...
IIIllI mer my definlll d...rIhod In s...ion B(lil.tlllll NOl<.
ll- PA'fMEM'TlI
(AI Tlml In" PI_ at Poylftll1l1
I will Pill' p~nclpal ..d 101'_ by ..~nl p_l. ev.ry mo.dI.
I will mllko mY monlhl1 PIlYmentI on lb. lint dll)' .f each mo"" bcBinRinl on Apt II lot .
1987 , , wl1i mllko Ihco. PIY_ra -I)' ."onrh u..iI I ha.. pold III of IIlc prtll<1pu IIId 1......' IIld IllY
Glhor chors.. deoeTlbed bet... lb'l I may .... 'n~... llii. N.... My mon._ly paynlOIW wtll be .pplled .. i.,o.."
bofo.. princlp.l.lf, ~. Mlrch 1 U27 ,', 01111.... ""...ra uncler 11I1. N.... I will PlY diose
Imrnmll in run Oft 1bill mUl, which Ii called mill .maturltY date:. .
, will mol:. mY ...nlhl1 paY_IS II nn HUNTINGTON PARK DRIVE. COLUMBUS. OHIO 43235
Dr II . dlffcR:rn
pl...lfnqulred by dI. Nal' H.lder.
till Am.unt at My InIt'o' Monthly Poylllllnhl
Ia<h .f lIlY bli,ill mo.'hIy p.y...." win be: In I'" ......' af U.S. $ BDl. U . Thl.
amal.lal mil)' dtanp..
(e) Manlhly Poymem Chl"I"
ClI"iI"' in mY bnlhly PlYment will hqoo, ch...... in Ih. unpold prlnelpll .f lIlY .... IIId i. .... Inl''''''
n.., lbo' I mUl' pqy. Tho N... H.lder will dClonnloe lIlY now In'....' _ ond lb. ehlllScd ......, .t my .....hly
PIll'I11"lI in ....rd~ willi 3..llon 4 .r S .f Ihi. N....
4. jlPJUBTAIILIl .tmERlIST RAtl! ANP MONlllLY PAYMENT CHANGES
(AI ChonlO PI'.I
'!P' lI<lJu,l1bl. Inl..." .... I will pay mil' chlllBc .. 'h. Jim doy.r lIarch .1088 .
IIIllI .n 11111 d.y ovCl)' 12>11 ....dI Ihercofter. lllOb d.l. o. ""'ich lilt .<li..."''' i......1 Pll' ....Id ebonae i. oollcd
. .Chllna~ 0iIk!...
(II TIlo I..dl.
B..I..lnl willi lbo fi,. ClIIOB' tlllU>. lIIl' .lIJII118111' buercol "Ie will be blled .. III IDII... Th. 'Ind..' i.
&he w=tly ,vcr_Ie ylc:ld OIl. Uaiwd SlIICI TrwuJy leelltlrica a4lulcd to a I:GI\&f.InI IQlurfr:y of' yeBl', II IMdl:
Iv_lI,b'o by Ill. Pedo'" Roo.rve Board. Th. m.1l ....., lndu ligu,. ovoUobl. .. or 1110 cia.. 4S dllY' hero.. each
Cbonll" na.. II coJiad dI. 'Comnllnde<.'
1I1be Indo. I' .. I.npt ...nable, lite N... Holda, will eII....e . ROW in<l.. Ibll i. _ upon co"""""bl.
l.rano"lan. Th. Nole H.ldar "'III gi.. IlJOl OOI,...r 1111. choice,
(e) e.,....Ilt~n ar Chl...oo ,TWD Ind lovln-Elahth,
Betore oaell Chango Date. 'he Note Halder will RlICllIak, :III)' neVi lnte:rCII ToIfCl b1 adainl ..
. plrcenlau'poin~s)( 2.BnO "I 10 Iho Cu"cn'lnol...
Th. NOIe Hald.r ",.11 111.. lOlII\d lb. ,",ull ..r lItl. Iddm.. ,. IIIc ~, ...-dlhlh .r ane P'n:<lllJlue polRl
(0,12S"I. SubJcct ,a .he IImll. IlIled I. SC<llOl1 4(Dl bolow, Ihl. ioundcd ....u., will b. lIlY Dew i...ral "01.
IIIldllhc nea" ChllDl' DilIO.
The Nal. H.lder will Ih.. d......i.. Ih. ......, ot lbc ....dlly PIY.e.1 Ib.. w.oiJd be I1IMel.., 10 _y
&he ilD[liidd prIncipal Iblll I lrD QJlll:l:lCd 10 otICI II II1c OIllSC Dare In ftJli on lbe: MamrllY Date II. my n~ Inlerat
.... In lOb"..,lally "1,,,1 pay....". TII. ,",ull.r Ibll oolculall.. WIll b.Ih...... .....n' .r my IIlOIIIIIIy P'l'OIeI\l.
MUL TlSTATI! CONY&fl'nDt.'E! AAlUSTAIIL8 RATS NOTE-5Jn&1Cl PunII'-1 YurTRUIIEJ' 1n4'I~flflllll MM Ul'ftfDRM INS1'KUWBNT
HMe 11613 I REV 7l'U1S1 :aI5Q8PH'(~ form ~6C8 llBG
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~U~f!~G~ON MORTGAGE COMPANY
TEL:614 480 6 87
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The 10_' ",(0 I IlII 1IlluIJed Ill, pO; 01 1110 filii ClIailge 0.,. ..01 .., bit ...- Ib.. 7 . naG !Ii ... !en
dw. 3,8211. 'lbelallor. nw IIljrqqbJo 1.,,,, "'" will ",.er "" In._ or d_..OlI .. IIIl' .Inlle C11....
D"e by ..... _ TlI. JIOR01IIlII'" pollllClll, OGOO 111m", lit. "',. of 10_. I. h..., be.n. PylnB for .Ito
precodlnB 12 m.adl!, My Illleraf_ wl1lllCllir be IICllI<r Ihon 1 t.Ji8IiIIh 1. csllcd lht 'M..,mlm /bI..
lEI 1Ul'0I:l'" DOlo.r Ch.....
" My ~.. 1aJosa' Rill 111I.1' bel:olDO' clf..u.. .. each 01;"10 Dare. 1 ..ill Pill' lIle lIIII.unl .1 my .... _lItly
pay_, b'BlnoinB .. lb. fil1l maalhly Poyl1lQll dOlO 1ft" lite Ch4nl" DIl. ..,iI lit. lI/IIOUIll or my mo.l1tly payment
_uti 'lalD.
m N.1Iu 01 Cblnl"
ne NOl. /laId': IIItI d.llver or mllil to ... I ..II.. .f IIll' ""..SO' In my llijutllbJo I......' ..,. IIld Ibo
_. .11111 1lIQII\bIy ~ her. Ill, .lfceuvo dllo .I"y abuB', 'lbo..lice will Inchlde 1.10000000den lCIlOinlI
by I... ,. be ilvOll 01. IIld 1110 lit. llde IIId leIepba.. DlImber 01. pmon who will......... lII1Y quesllon IIIllY hDG
tcpnli..lIt. 11011...
5. FIXED IN'I'ERI8'1' /lATE CO!MIIISlON Ol'TIQN
(AI Opllaa" Convert" tlmI JIlue
I b... I COn....loa Oplla. lito! 1 an .....11. 1l1II... I... In dolil1lll or lIti, SccIi.. SW ..Ill .., 9CI'OII' 11IO ID
do... The 'COav" Option' I. my op.ion ID COAV.Ol' die I......' ..Ill I i1I\I '"'101'" ,. Pill' by 11I11 NOIll IIll1II on
14101111>1. JIll: wilb 1IIIOtOI,_U",II, tot/l.1Ixcd 101' cslcullllllCl UDda: _.. 5(1l) bol....
'.0 COl1....ion .... ooJy lib, pi,.. on . d.te(.) 'peRfied by die NOlI Halder durlas III. period hqlMlnB ..
die lim ChIop 0.. llIIlI 0IIiIlt\j\ oti lht IIl1hCholla' D.... _ due .. 'I/lIlch I1IY Il\IUlIeb1<I 11'I_ tit<> an
CODYOR 10"" ~ flIed RIo I. t1lIkid dI. 'Co_Ion DIl,lll." , ' '
If 1 WIll' .. ......... Ibo CoavorslCll\ Opllon, 1 mult fiBI mtO! co.... OllIICIilloal, lb... oondlliCll\l ... 11I1\: (I)
I mlO! .iv. lho Not.H.lder tI011co lb.' I .....1 10 do ..; au on lb. Coavmlon Doc., I ..... oot ... io ""liIIll Pnd..-
lbe 1'4m. 0\' Iho Soc\ltlly IIII\NlllCOI: (ill) by . dOl. ijIeCIl\ed by tho Na.. Halder. I "111I PIlY lb. N"'" lIolder 0
COllvenl.. roo .r u.s, ~ 250.00 ; IIId (Iv) I mllll .ip ..d IIi.. lbe N... Hofdor 111)' ............ Ibo NolO H.ld"
.... III erroc! lb. ..ovenion.
(Ill C.lca1al1.. onl...1 Rare
lily..... n..d 1_ rill wllIlJo aqllol to lb. Pedm/ NOI1...1 MDl1PI' AI.ooilllon'. t\lll1Iim! .C\ yi.ld It or
. d... IIIlI ,I... .r d.y .pcclfled by lb. NolO HoIcIor for (I) if 11>. .rI",oI IOI1Il of 11110 N... io ....,,, lhon 15 y.....
3D-year Pled ro.. _I'" covcml by 'ppllcablo dOlIoy _dolOlY 1Io1lYC!J' "..Olllllcnll, pl..
r1v.-.llbthl ar apecenlls.' poIm. q, UtiO iI), IIl101dcd .. lho ......, .-ilhlb of en. p<n:cnl'" poilll
(Il.I251), .r flD If Ih. OJIJItiW Imm 01 lbit NOl. I. 15 y.... or I..., U1'OAl' II&od II" .......... ....red by appllcabl.
_I)' mll1d01OlY dcllYC!J' .DlI1Itli......II. pi.. n va-a' Ihth. ar an.........p po,", Il. ItU 'II). ltlUlIdod to Ibc
......1 -l8hlb, .r an. perce1IIqe poIlU (D.l25i1). If lItll '"'IOim! ... ylohl ....., be dctmnI..... b...... dto
OfIlIIcabl' ..!h/III,...... "" ... .voil.lIlo, tho 1'1.,. H.lcIor wHl lIolonnillO my 1._ "I' by uolnB ca"'p"""lo
In/'IIl1I1lI'i.n, My .'W IIIlI eo1ool.led 1nlIl" 1hl. SeeIIo. SIBI will DOt be _.:r 'b.. Ibo Ma:lJmpm R". IlIIed in
SocII.. ~lDl'bao..
(e) Now ..""oat A1a.IIIl' ... JUrtitll.. Dole
, If I 011.... 10 o..,,,,'ra .... Con_loa Opllo.. die Nolll JIoIdor will dolemtine' lho _01 .r 111. ",om,bly
P'l'moul ..... 'Wll1II4 bo ",lfieI<Gt to oepiIy, tho allpil\d pr\Iu:Ipol I". apOCItd ...... 0II,1b. ~.. Ila,e In fall an
lho M'l1lril)/ DOlO ., l1IJ' DO" /Pod In'.... .... In 1O'"IQI;.lIy .quo! poymOll". lit. _II or lid. OII...I.lIon.,11I bo
1110 .... ....U., .r IIll' IIIC1l\lhll' PlftllOl\~ lqillllina willi my 11m, monthly poymw .lIer Ih. COn_i.n D.... 1 will
p.,.11o now, -... .. lIlY ....1hI1' PIfIIlOIIllllldllho GlllUril)/ dalO.
4. JORROWEll'SIUGDT TO PRI!P.Y
I ""YO lho riB11l 10 llIIIce p'ym.",. or principii 11 oay Ii... ber... lhcy on: doo. "PI)',""", .r ptinoipol ..11' I.
~. II . 'PtCpt.YtIlO1ll". 'WlmI I _. . pllplflllOl\l, 1 will lOll Iho Na..llalder In WllII.,,,,,1I 1m d.inS 10.
1 mill' mob . l'ull PIOPOY""" er plllllol l'l'PIf1IlOIIl' ..Idtoo' JIIIl'i.. 011)' pr.pll}'1lll!llI eblltll.. lito N." 1I.1d"
IVilI I.. III .1 lIlY p_on" 10 red... die _.m or ptlnc:lpt.l 111" I ..... ander Ihl, Nol.. II' I _ I panllll
PlOP"....'. lit... ..111 h. .. oII011le. In die duo d".. 01 my m.nlltly J'llYmenll .ol... 111. "'QIO Hold.. .0.... In
'111\11.. ID 1ba.. cblll\i'" My ponill P"'I'II'1I101II 11II)' !Cd... .he _., of my mombly PoyIMll15 olIor II" GfI'
CIIoD.e PlIO lIlli...IoS lIll' J'AIIIII PRPlfl1lltll. H........ OIl)' redue1Ion duo to IIll' podIoI PPP'Y"'Oll' ml)' be .rrOOl
by an Inlera' tJllllKreuc.
1. LOAN CBAIIGIlS
If. I.... wbIc:11 oppll.. .. lIti. 1011I ond whloll .... muimum 10" ehaqea. I. finolll' Imorp_ .. 11101 dI. In'....1
.r .Illor 10.. el1ut01 ..1I.'Jed or 10 be coli""" In ....,,,,110. with IhIs I.... ....... 1b. pcttt1ItICd II""", Ih": (i) II\Y
.ueb 10lll oh..a. oblll b, n:cIoood bydlo lIIIIOUn! .....1Oll' .. ""'... lito oII.fBO ID die ponnl.... Ilmi.: ",d CIII II1Y
lOW .....dy COneeled Ir.", .,. ..... ...... p.nn1.... IIml.. will bo ..rmllled ,..... n. Ne.. H.Id... may .......
10 mob 11111 ..1011II II)' raluo'" 1Il0 prl..q.1I I .... omIer Ibl. N... or by maldns I dlreel JIIIl'....1 .. D\C. If' ..mnd
redllcq princlpaJ. Ibt nducdon will ba cl'CllCd .. I pulill ptapeyDlQtL
t1MC 1111/ REv fAil a!iUPZMlJ
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~UN~INGTON MORTGAGE COMPANY
TE~:614 480 6987
P,009/016
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.. BORROW""'. FAIWRlil TO PAY All RIlQUIRI!II
(AI ....10 Ch..... lor OVlI'llll. Plvm.n1.
IIlhc No,. HolCle, baI Il!II .....veel III. 11I11 Im""n' 011ll'J lIlOlllllly _, by 111. ..d 01 n
<31 d., dJly. .1Ier ,h. 4'" k 10 .... . I IIIll ~ . I... chlra< to tile NOI. Holder. 'lb. ....... 01 1100 chorS"
wl~ I' or IIIl' ...rdu. Pi1O\C11l of p,llI'lpll ...4 1......1, I will pay Ibl. 1110 chors. pramp~~
bulonly anu On cKb laic PGYIRUII.
(1l1~'1U1I
If I do no,. p., ,b. lilll....un\ .1 o.Cli mami.W p.y....i .. lit. date II I. d.... ! will be Ia d.raulL
(CI Noll.. .1 p.r_
ff I am In d.r..I', 1100 Note Hold., mill ...d m. . ""'" aollce tellio. ... Ib" II loon., pay lb.
ovenl.. .m.Wll by . conlin dll., tho Nol< Hold.' may RqUi.. ... III pay lllUllCltlalcl)' III. 11I11."""" .t
p"Il<Ip"! ,h'l h....' b.en paid end 0I1\llll Inme.. th., 1 aw. on tI\lII IDIll1l111. 'Ibll da,. mu.. b. 01 lOll. 30
d.Y'.h..1ho dill ......I.b lbo n_ 10 dolhoralor tIlAIIe4lD lllC.
(DI N. Wllvor IV Hale Halder
Bvon If, at . dlllll wilen I om In d.ra.l~ rIul "'DlC H.ld" 110.. ... n:qa"" IIlIl III pay InuaalllIoly In 11I11
.. describe<! "'.... Ib4 Nlllo H.lder will .tllI b... lbe dablra do II II r om fq dcfauI. .,.1..... d....
lEI povm..l .1 Hal. "_... ea.r. .... .....n_
If 'h. NOl. lIahle, lias "'1"1.... me 10 pay Iwncclilloly Ia filii II d_ _" dIo Nale Holtler will
b... 1110 rlab' II be paId bocl: by me far .11 .1 ill ODIU Illd _.. in unoln. thio H.,. 10 1110 ...... l1Dl
prolIlbi.cc1 by applicobl"III. Tho.. ......... l""lUII.. for """PI., ....._.IIl<lIftO)'l' f....
t. GIVIHG OP NaIlCE8
Unl...appllcobl. law llqui... I diffemu IIlOlh.d, llI\1 0011.. rh., ...., be ,I... to ... under lItl. No,. ",ill
be' .......by dClwcMa it Of by Gllilina It by fir" c1w ...\1 ID III. al 1100 1'Iopeny AlIo11m. a..v. ., 01 .
diff.'III' odd,... III Si.. d" No"" H.ld.n nalice of my dlffc""'Udd.....
Unl.... 'h. N.te H.lder n:q.I... I dlfforcttl modtoll. IDY .o,i.. 11I11 lIlll" be ai.... 'a III. Narc Holder
und.' th~ N.... will be alven by mall'" II by ftne .1..' "';1 ,. lit. Narc llolt1er ., tho IIId.... .tlled In Soc,I..
3(A) llbovc 0' a'.a diffmnl .dollm II 10m BlvC1l . nOli.. of IbOl dlll._ add,....,
18. OBUGAnOICB OF PEIlSONS UNDElllHIS'HOTE
Ir m.1O Ill'" allO _ .11lI' lbl. N.... eadI pcIII01l .1. ""Iy IlIlI po_oilY .blip,'" 'A keep all 01 dIo
praml", mod. In thl' Nor.. l""IUIIlns !'h. PID.,.;.o 10 pay lhIl MI......' ........ Aay poneo lib. if a IUIIBIlIDl,
lUrely 0' ..d....' .1 Ihi. N.1e I. olaa ClbIl.llcc1 10 cia ell... tbJ.... ^ny ponDn ""'" 111<.. .ver Ibm
obIiQltion.. Including 'h. .blla"I... .r...-nor. "'rely., ..dane, .f 1111. N..., II II.. .bllalled 10 keep 011
of lb. PID_ mod. in elll.N.,.. '!be HOI. H.ld., mil)' 01110... III rI.bll unde, lid. N... lS"all .1d1 p....n
indiviliu.ally ",...il\It III of u. "'I"""" 'Ibi. ...... Iblt Illy ... al UI III'" b. '"'lulred to Pili all 01 111.
ImGUnUi awed under .bll Nale.
11. WAIVERS
I .nd "'Y .Ib<< _Q WIl. hu Clbllg.,iou under lid. NOIe "alv. tho ,llh.. of p_'menl end n.lice .f
di.h.n.,. .J'.....~_,. ...... Ill. rip, to requi.. th. "'arc Holtler I. d.....d pay...., ., ara01ll1l. duo.
.NcnIC:1: or dilhonar" mClU'l' Ihe right 10 NC\ulrr: lhe MOle Holder 113 live Dorice m Dtber pertoRI thAI. IJI1D1mtJ
duo h... nOl bee. paid.
12. UNIFORM SECURED NOTl!
This NDte: I. I lIa1form InllNmcnt with IImiliDlf Vlthatlanll In IOIPC jarildlCliElIW. 1n IIddiUoQ 10 11\11
,"U=10:1I1 Civen "" the Nore Halder undor IhiB NOfc. . Mgnallc. Doad of Trull or hcurfey Deed (cho
'Soalrl'y !""rumen,'), dll", 1Il0 'lII1l' d.lo II lid. NOlO. PlOlCCt. th. Narc Holtler ltu.,. pOl.lbl. 101... I~"
mllllI' fFIllIl II I do n., koop th. ptaml... Iho' I .- la lbl. N.... 'Ibll s...riW """"...., tIcocril>co haw Illd
und., wbal CDIIdi,io.. I ml,Y be lIqotred ,. .... 1111lIlIII1.,. _I In lill! .r 011 om..... 1...0 under 11I1.
HOle. Same of Ih03e: eandiliaRl ar= dClCrlW IS fallows:
(A) Unlit , Qc:rc11Cl tny Can.nnion OplloD under Ihc candlliDRI .IIWI in SKtIOR , of wi. AiQUlllble Kilt..
No,.. Unif."" CoVCIUIIII 17 .r tho SoeorllY mll......l I. d_lbod II 1011....'
Tr."'.r gf I~I P'"penv Ir . Ileneflcl.r Inter.lIltn ''''rower. If all DllUljI pill .r ,be ""'polly .r lUljI
I.,ore.. in II I. ..Irl or trlll.f.""" (or If. beneft.... In_II In borrow., b ..Id ., "-Ie""" IIld B.na""" I.
not I BalUn! peNna) Ulirhotlt LcndU'1 prior wrlucn. canlcnll 1a.dcr may, at 1ft option. n:qu{ra ImmcdllJa
pay....., in IiII1 ., .11 ..... ....red by Ihi. Socuri,y Inllnlrnc.I, H.llever, Ibi. .plio. .boll noI be ...n:iud by
Wader if ..0..1.. ;' ptuhlbllCII by r....rol I... II. or tile ..... of Ihl. s...trlty "'Irumem. !.onder 01.. Iboll ...
...rc;.. till. .p.lon If: (I) lIGna..., ...... II b. ..bll1illal ,. !.ander Into""..I.n req.licd by ....d.. lD
ev.lu"o ib<: Intondad h1II1.f.... II II. n.... I... ..... bo'.. mad. ID ,bo lrwf....: end (h) t.entIer _bly
damni... 11m t.ntler'. ....rity 10m nol b. Imp.lred by 111. I... ...umplion ..d th.. tho tI.t of "bRlOb or
In~ ..""""', 0' 18'""'on, In lI1la SecuritY Inllturncnll. "'"PI.bl.ta Under.
T. lh. cx"" p.nnllled by oppn',obl. 10... t.entIer uuy cb"a'.' .....nobl. roc II . ..ndkl.. 10 Lender'l
"."nl to 'h. I.... ""..plion. Lender 01.. .,.y requ"" dI. '....,..... to .lln on lIIampllan ........., lb., ic
-rlml. LG \.encIor ",d ,h., oIlI;,.... lb. I....r.... II """~ .11 th. ptumio.. ..d .a.......1I mad. la tho
N.,. Il1II in Ib~ Seoorilf l.lInI....,. B_ .,In ....~... to b. .bllpied WIcIc, 1Il0 HDIe Ind thll Socurity .
IMI",R\CIlt unll!S1 L=4c:r rclCiLlCl Borrower 10 writing.
"NQ "52 I Rev 711l1/'SOIl"",u
FNMA API....' ctplCanv'
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HUNTINGTON MORTGAGE COMPANY
TEL:614.J80 6987
p, U IIJ/IJ I b
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It Lon"'" eaacI... 1M npli.. In laIul.. i1nmIdIlIl1: p"ym"" lu lUll. lAnder .boll alv. Bolll1"'.r nallco or
1<<1I011110.. 1110 "",lor oball p..,ld. . period of 11II I... Ihon 30 0111" fJam Illo dOl. III. noli.. I. ddl_ or
, milled ,wlillln .1Oblob .1IDf11lW1r 11I1I11 PII' oil 111"" _JOII by lhl. S=urlty In""'Ill..... If 8omI_ rall. 10 pay
dlaoo J10IllI prior ro 1/1. ..pll1IlI... .1 lilli' pericld, LamIor ~ IoVIIP Ul'I ,emt<liea ponoillcd by Ihl. Security
laItrumm wllllllll' lUnIIot notI<c or ""mand 01\ ~or" .
(81 If I' .....i.. IIll' CanvRUlon Opll.n a.der lI1e CIlId'II.1JII llaleCl In S<otloo 5 01 lid. AclJullabl. Rill
"'.... UnlronaCaVIIIIll' 11 at Iltes..urily IlI1lR11l1C111 dllcrlbad In ScclIan 12(A) abllYe .h1ll11beo '""" 10 be In
.rrm, IIId UoUlIrm C..awlL 17 or dI. 'a:llrlty "'_or Ihal1 illlllldl>c ol.....ibed II 10Uo.,,,
~, of Ill. Plapany ar . e.neftololl_..t In eorra_, If 011 or any pan or 1M I'rapclly or lI/IY
Inl..... iIItl IIlIlld or Ir.1IIIfemd (or il . bcocflol.1 ........, In B.nuwor I. laid or.....taraI lIIIIl 1lamI_ iI
RllI ., nllal1ll pet:lolll wlill.., Loade", pdor wrl'leR ......" UocIer 11IIl', .. ill ap.lon. roqulre 1_1111
PIlI_ in filU of all..... ......,d by Ibil _rily Wlnuncol. _, 11111 oplIoA abllll nCll be .....i.ed by
LemI...lleu. I. plllhlbl"" by fedcnrlll.. II 01.... d... at tlJl. So<urIly Inolnl......
If Lemler ......... IIlio aplion. Lemler aball Jlvo 80........ l>1lioe 01 aoccIcnil... '"'" nail.. ...... pruvide I
potIod .f lUll I... 11111I 30 dare lIIlDl lb. date rho nallco 10 deliYtnd .r aWIed IIllhln whldl 1_..... ..... P'Y
oil I1II1l11 ........ \lII 111I. lla:urIly 111I_" II' Borrower r.J1I 10 pay ill... ..... prior la Ibe ..plnoll.. .r 1/11.
pollod. LoluIer ftlal' invW any rolIIodi", ..mllaed by dd. SccariEy IosInI....1 ..JIlI""l filnber lIGllco at demand
an 8omlWCr.
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MORTGAGE "'744-0
nus MORTGA(;E (~Sccurily lnmumeal") ill ~ on
TRACY DAVID FOSTER, A MAR~JED PERSON
F8brUlr, 28. 1887
.1'hc.mong.o,gotb:
("DonoWl!'J"').'I1UsSec:\lri(ylns1"lIn~11$giveaw trU::.KUJlTIHamH MORTQAGE COMPANY,-,," DHIO
. CORPORATIU"
wh~biullpln~lllJdaisiug'lrldUlllc&alllanr ,THE 'TATE ell 1I1UO
~" T57S IIUMTlNOTIII ~AlI DRIVE. CO"l14ll~'. ONIO 43235
("l-uIdet'). SQmlwct OWCl; U::Ddar lilt pritIeirml Sul'P or ,
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E10l\'ty...SeVIID TtlOQUo(l Nina HUhdroad I:ntnty :
. DoJIod (U.s. 5 Br,870.00 ).
Tbi$ R>>l i- ~ by Bom,wet'S ~ d.o1cd 1IIo:umC daI.c II: &flit Seewily lusIimrtent ("NolC:""). whlc:h PlVYidc:s for rnomhIy
p;fll~~ wilIl1ha (\Ill dchr. If DOl pai4 1IIU1icr. dllC IIDl1 payable 00. March 1, 20.2) . This ,seelldl)'
l""lmmCIlt~ 1oL=der.(o)Ibe~to(lhcddx6Videacw br_N__llnlCl'eCt.aIUIGD~~sltld
modU1c:ltCioDlaflhcNwe; (0) lhc~mor&llodlctSlJms. wilh'illa:na.adVQDQ;dWlder'fIlII8It8Iab., 10 plOIa;&lLc~ot
dJisS=lJrkylnllllUlblUt:_{c)lhep:rf'~arborrowcr'llClWO:lZlSiaad~U:IIlIdcr'IIrisS~~1lMl1ftt
Nolt. F<< Ibis ~,Danowu due:! hmhy monaugc.:ram IJt4 cotlYC)' la I.eadcr Ibo roUowrlfli: ~ ptOpMJ' JocaIal in
,CUMla....N. Counlf. v.........."
s~ attached Schedulc~
whkb bas _addretl of
_....' 17070
PENr4IYLVANIA.. OInQIi Famj!J' .. FtfUMiKLWt:
UNrFOAU~NS"'U,lMEHT ~_fji' "100
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1'OGETHER Wlnt aU. the- im~l:l: DOW or 1.c:r;1lM Cl'Cdl::d. QI\ IIWl p~. m14ll1L ~,ts. appurtcslQRCC&. mul.
~IWWW: Ilen=af'ttlralliKLot llmf'OPMY. An ~UL4addtuuml W1181so bocoverul b)/lIlU $~ 1Mru:1MfM.
AIIC1rthelbregaiagbmfcn'Od.mmllLis5<<:lLtbylDalrume:ntaslllc"'l"rop;q:y." ==-----
8OIlllOWllIl COVSW/T$ dla B_ I, ia-" ....,., m...,.. "....,. ......,........",.JiDIli..._
p:AIl!:andCElllYCytllc~nnd._lhel'ropt2tyisUfltll.CUmbcrcd.utqllrorUl~lIrUClOl1l.~'Ir.'Itr.!tl1!l1ll\d
wiU_dctc:nd pmnUy die WIc 10 Ibe I~ llgIiM.:dl clUmMid dsamb. subJect UI any encambraucclllCftIl(Ird.
nos snCUIUTY INSl'RUI'dENT CQptlNnc:r; 1IILirOfft1 CO'nlIIlll1ls for aa1iQnr11ase and. non-udi(Odn cavcma:11S \Wilh Iimi1cd
vllriadom by jutUdlcWm kl c;ol\sllM-.4U1U!unu tetUrily ium.Inldlcovaill& r= ~J'
lJNWOI<!4o:::tVSNANTS. .BGf1'OWU""'-l.l::rKlcrQWCMitl.wI1R1alll 1ctJWw.$':
LN1lrU!DlotPrinclpalallolllJal;;1ftliPl'tplL,.lQtII111Ql,U..w:Charau- !.J000lfQ{ "'aU ~ p'y ~ due IE
pril.lCipa,iat.llld:ifr\C:tQltCJilbodebl~idl!btzld.bylht~uud.llJly~OJld*~dbllm.k,(IbNtl""
:l,. ~ for T.,.......aI .D$1lrall(t. sutaj.:.Q 10 a~i=lbk: Io.w or to a ~ waiver by I...cnder. Donuwer shan 1.:Q' lD
la1~ al11Jle UllY ft'lCK'lbly flll.JIlttD.D Ol'& (tw: Wlda-Iho Nocc. lIIIill tb& lWe fa PlWJ in full. 3 JlU1l ('"FundS.) rot: (I) 'I-'Y a=c::l
wd ~ wtddl IMY IIiaUl priority ovu t)rjg Se:uc#y ht~l.u a 1len 00 IIIbProJletly; (II) )'ClU'ly IwdmlII pllmctllS
ar i*JBll tetl.tltm ~Ptopel1.)'.1t llDy: (c))12U'ly ~ l,)t~imluraawpell\illlllR:' (4))'OlIrly IIaod illSdllUlceprcmiwus. i[
All)'; (el )'eQI'ly ~ iaswOtlCe ptemluma, iC .,: and (I) any sums l'I)'8ble by Bonowu k:I Lend~. to IlA~U widJ U1l:
ptOvi$ioDl of pamgmpb .. In lieu ur tm. payment or tl.lotlpee imilmllJCe. 'pmmiuRllio 1l\($C II.CfM IllO ;,;dIN ~ Items,"
Laukr D'lar. at any Lia.p:, '!OlleC1 and tIotl.J .funds iD-:m ainounI.llQt 10 Q. ~ blJD.iml,1C(l. PJKIUIIL..Ietl.d1r fur 1I.lcdcra1ly leblal
~,,*,mgrrcqtl/tl:.((K"B~'taet'O'M~,(lrttI:rme:,(~.ReaJI!DIlk::~PrIx:dDJ-elAl:loI J914 as:
JZrlCDIJe4!tom IIIDe b'l1imc, 12.lJ.s.C, Sl:cLiIln 2601 tl ~_ ('"RESPA "). UDI.~ lUlo\hct law h IlPJ)lieS to lnt f4wld~ Rl$:Ii l~
UInO\IIIt. 1f sa, I..ctukr ~. at my Wie. c:ollc.el WIll bol4 fun4s in..1 ~litIll'lOt II) dtfild lhe.1e.cs=r ilIDo.,nLI.endc:( tnll.y
Q1i1fUllr; 1M iUllOUlll uC l1wls due en we Dam Q( cuaent \ll1oIIlIIul r=qQ;Wl1(; !;l(bul8ltl.S of cxpet'ldilllle.$ or fu'l1Il'e. &crow Items (If
IJIh~iullClCl:l~~lSlPijcableb..w. . .
T1I4 J'utW; atmtl, w. f\(:1d: irt an UwIlDCiou wlN5c dcpas:llllllC iMurcrcf .Y81<xl~ apy. hulllinmaality. IN oNUr (~
l,,:;uda, if L.etKlu, Is r;udllUl in~) or in my Foaomlllolllf l,.QcII Bank. U:udl:t slWl ~pply'tILl; fgnd5 to pa)' the. Emow
It&lnS. l...aItb- =, nOt d'lartC Rom.wer fot boJ4inIlll1Ul nppb'ftl: die tlJ/nl1.t, anJIu;uy ~tna: Ih'OCSCfnW ..:cOllf\t. Qr vc..-it7ing
lilt' ~ IICftLI, IIDIcu 1.l:uder IJ'IYIl. UQ<<O.,.cr loltmt GII L1~ Mdd lll:ld fl)Plieable law pcrmtD 1..l.r1der 10 mate ~ur.11 D 'h~l:;.
HQwMl'. l.eDdU _ rcqIIirc B'OII"QWU' IU pQy. A OM-liml: ~ Cat I\ll, ~l real ~ "'" .epodIDg xrri~~ us<<t by
1.cAt,\r;t~con~1I1\tl UdslQrln. u~..tiL"I,blc-JGw J'IlWkb:BQ~tJDlclaan D~tilllDl1corollllll1ialb1B l:lw
nqWra m~ fO be pald.l-CmlcJ sbaJllIOl: be r;qll~ 10 pa,. UOffQ\YC::r lJU11nlcn:sL Uf ~ on ~ nnds. D0ct01llcr lIiId
1,.ca4u mlJ ~ in wril.ins:. bavtm:r.1IuLt in.1=W. $11;I1 bQ pllid, on UIe. F'lInllL LcmJet stIaIl,ltbc 10 ~'(:r. 'lridlDUI ,"hlV~ '"'
JU'lQIW. 8CCOlJ!Ilb\g of till: Funds. cIiowinR crcdWl (lI1d UbilS tJ) IItc Fwllb; mtd the J1UrP;JP IJJt \vbidl.lqch dcbft 10 ibc JlwllU WIl.l
,... 'ThcFUltlbl'lleplqcdllKllddilionalcecutllY fota1lRll11S~""LII"~lnawl~E
_ 11.........locIdbr~_..._p<oniu<oIIDboll<l4by."..wl6low.L<ml<r """""IDB"""""""
IILc: NCe$I Funds In ~ vriIb ftl'cqtlm:.acm Q(~b= kw. jrlho~dnlarIbtlI1mdS. by Leodcr Il-.y time is
nOLlUmctcm ID pqy tbe 'Esaow Itt.IlLI wb.:nd'OO.~ ~:IO l\CMif)' IIommct In wridnJ,1lA.d. ill !;We bQllCl\lJetIhaD 'Ply
liD Leadu tho AZqDImt n~ JO ma\:e; up Ib,c deC'~. DIIROMt Jludl IRate-up 1M ~ ill PO motel:hl:ft twelve
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~~iaIa!lolanNml~l;.ly.is3o:uriq~l.c/IdcrIbllbJll'O'llllll)'tl{aluJIuBODDW'O'WF.umIJ .
Itdd by J.cndcr. Jr. ~~ 21, LcIldcr-.n IltqUireorsdl ~P<</:lCRY.l.atdc:r. pdo( lo~acquld* orsele.cJIbc
Ptopaty. abaIlllfPl)' 11II.)' Pntt.dr. lacId by l.ettdet xliII: lime of aeQuli1ticm at sole as e i::di1 uaipIlllIe M111Di1 -.ed bf dliJ
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]. AppJ!eBlkln or hJ'dl'Cllu' UnIeM ~(e Il1w provider <<l/.bc:lrw~. all pll)'ttleNS RtOIvt.d!by l...eiIdu under pmgr~s
} a 2.n be.~ JiM. 10 any Pl'I2lI,ancDlcb!lrges4UO IIJlOCI' ~ l'lr.lIC;.-orl!l. m DlJUNn,,',p.'\)'ftWe 1.IIlder~ 2;
\hlnl.ltI~d~J'o\lrllL.m~~omdlasl,tomt)'lllIetll:irgtZduC-UAlJGrIheNorc... ;
., Cb.rICSl -lJcRd. flormwcr dla!IllGf All wr~ .lIUClISInoou. ~, finCll Q jmpo~ -aaribumb= ID !JIG rmpen)'
whldI m:ry llUBiIl prioDf,y IMl' lids So::ilail.y ItdfNmllPl. l1ftdlclidlotd ~MQ; or ItO\IDIl oou, tr~. ~ $ftall [\llI"'~
oblipUonr ID. mmaftMl'JIZO'idcd i1t-~ z. Qr i[natpd in dlllllllWlCl'. TIorrawcr JbQll ~tbcm OC\ Ifmc ditectly lQ the
pcBM G\\'ol1 IJILYmem. Bono\vc:r lIkd1 psvmpd.r Cwnisb ID Lender AD. notic;:q o( AQJOW\1$ lq Ix: .... JIDIlor thI$ [lIrainIph. If
BarfWU' mab:s IIrcse ~dUeeClY. BOfnJ\'ft:r Ib1I pl'ODlpd)' fllmi:ch tv Lelldertetdplll ev~ 1MplYIZlClUS,
DOIZOWCr,(AdI ptm11JJtIy dkdargc UI)' Jiea Whi~ tw prjDril)' oYtr Qli$ S~ lPswrnanl ~ Bormwu: QI} D8~ JD
~ldW:JIli)'IZR:ntofu.e~~l.tylllalitolD"JIIIl'lae('~{aGIllt.c:mf;l;(lt)~mgood(wlhlbeh
&,.CIIdc{c:cdf:~elJ.rClJllellWltofr.heIlQlin.~p~inP~I16lll.clArllict"llopinion.C1~1Il~1IuI
QlrQR;GIIltOloflhc rlClL:or (10) ID:IaRII. rmm lhcholOet\1fllw lien Dl\GpmclnmuWDQar)' 11\ l.aL4cr~1he lieu w
. IbisSc:c:ariLr ImltnaatcnL HLelldel'~Uw-@y pm of the ~ is 5IIbjCr;(lQa. lien ,.iJicb,mayaaalzLpriaril7overLhIS:
SecurilJ ~ Laulc:r AlIll ghe RQmlVooer. Duti~~ (tkn~ lite licn.loavwer dlall.w.f:r tILe _ ar lite: lmtI Ot man.
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iftsPlOJ ~ loa by rl(e. bamrds incIud~1 wiUUu.l.bc 1C1'IIl. ~~~..... q ,.1I1Cf bIz.Vd.t. i~ltlC Rftack or
tlalXIinc. far which t.l;m1lcr lCCl,1I1re$ tn.sur)DOO. 1bi5. iamrmlCC-~1 '" raGiDIIlMd tft me I!!InwM awl foe' 1M- periods I1w lcndet
~ TII6 ~ amic:rPM'i1Uu& lbo iDNr.mco Sl\all fie choIc.n by 'IonOwet sub-JI!tJ: m Lcnct;r"a.-ppmvaJ. wbich Iball J10~
be. w.nl'Cll$OC1abty ...ithheltllr Donovia' CdlIO l'ItalntDin lXlVfifllgt delIcribcd.-1Ibgyo, JAqdu ffill.Y, ;q ~lt llptkm. ob4ain
CQvtrqClDpraeo:tIMldcr"riJlmln1bcPnlpca1yin~\IIitb~"
AU m.ltl'BDl:;U;ies _ rencwAli'l dWf k~fl) c...ter 4I1d IhslI loclu4ea madald ~~ I..en4er':ItlaJJ
~1he..l:Obufdllc~"NI~<.lrl..l:adcr~BQmr\ItIltshtllpn:amlllJygtvclO.LcndCfIllI~orp;dcJ=-~
)lrClIlIumS1IIld ~I ~1n _OVQ\torloH.D~ptd Ei~ prflaIpt tlOtkolO1he IIlAlt'aIlCC ceaWr'" tAndcr.l.elu!<<
nmy maIw ptoaf 01'10. if p;.t ~ proA\PtIy by B~wet.
uaklQt la1kr and Borrower C1dWwiso IlU= in ......was. hummlce pnx:ocd5 sWl be 'l'P1Icd 10 ~DJiW OJ'''' of lhe
Proptt1f 4omage4. II die rcmmuiaD or rtpBir ill ctOIlOmial1ly IQIdbk an4~' ICCUfIIY is aol. ~ rr JIll!: tc:&W'alion ac
..pair 1I..,~icoIJy _Ie or Loodcc', ....m""uI<I bo_ncd.... -P- _bo 'Pl"..."........
........ b,. ""'........ _. wboW<t or not.... due,..... III, 0l<0S1l paid III _.lfs.mo...._\he
PnIpI;r\YI Pl'dGalIlOlMlftlCt wltbla 30 dllJ8 II uotiQe fJ'otn tmdu Ib:llw.iDau:r8zIcc:.ctrrier has otlct'oS lOse*-adaim,lbcn
1.l;mtQ' mR1 col~ lho lmla&raocc pm:ccds. [.cnder tmI1 UP;; IM~ 10 ropairo: nmn:: (ha PnIJ-ff or Ie ~ &dIM SlCtUrtd
b)llhit SccIzri1r 1ilsWm1ll1l1, whcIb;r or 11ClL fJlr;n d\ll:. '!'he. Jo-&Iy pcriDd wiD begiD. wlml1Jle. ootlec II: ;iYaJ.
UAIm LcDlk:r(ldd BoItoWa' elll;l'Wtma:r= in WJ\lius. 0Itf applic:.1dPll at,proea::d.1lD pdm:ipo.! sba!I "otPrcad. nr pcJI!Il~
'lhc.dtlC date Qr Ih; mlmSblJ payJIlCftIS rcf.trtt.ll win paz;qmplli I end" Cf ~ __lOmllGCh Pl9'UICOUr. It amda- parIIgmpll
21 the Prope1'tY iI:quimI by lJlEld:er, florro~ ri;htll:lllll1 mrC1ftCO pollelc$ mS ~ n:wlIlnJli.lrvto ~10 tha
f'ropcrty prior UI ~2CqIIi8itiwl5111lll pan 10 1.cl:ldet ItIIf&c u.tcm oC'lIltl ",",S Sl:CllIIXI by CbI&S=m1ty~ ~y
prior 11'1 IbeKql.lisJtion. '
s. O~.f'ruervalloD, MlIlnlerlllpa: IIl1d I'roLcdion ortht I'rGperr)': uumnrcr'~ ~ Applic:gCicm; ulIHhaldi.
Bl,l[J'ij~ s"~l DCalpf. CI'iLIblisb, and ICe Ibc PlOpCl't)' 'as RcrrOwcr'l/ ptin;ipaJ fe$l4eoes- wllhl.. lill1Y' dM)"lOIIft&rIbeW!CUllon ot
mi.'!. Scalrilf lamuncRl pm:! shaH GQaliRut.lD QCcupy Iht- Property l!S ~Il pdndpat n:sidcncc Corat lwl one ~r w/.a' Ule
_ or ocaaJUCY, una Lerlder ~ 1Itf'!C.< ill wriIIDg, wlliel\ oconaw. staalll)Ol ~ u~1y wllhhckl. Of WI1=-
CXlttWIlIia1 eift:tml$lanweli.!lLwaicllar;tqcnd BQ{fQ1Irof".$CMIraL D~ )illlll no1destroy.d~Of impiNrlh.c PtopctL1'
aUow dlc.Pmp:ny w deI.eriot'lllC. (II" CtlCI\!IIll watt. oil lILe Ptopmy. ancmwer thalI be: in tiaw1l a: an}' tor1'dlurt ~ ar
~ins, whclher dvll or MII:SiNll, it beJUl1IIw..ID. Lcnda', atJC.1IJ flliUl judgJdent Q)I1Id remlR m rorCdwn: or U\o lmpert,. Of
C>111l:rMlP: mat=riAIll impalr 1bc 'ien crQlcd b)' 11li! Sccurily-l1lSlNmcul'ot 1.l:llW:r'll secvri!,y inloCCS{~ 'DQm:lWG' may elm: IIItb Il.
Qdaut~;nd rdnu\C.t Dr proy;dod Ill. ~ph 11'1:, by Q1~ tho ;lC:Uorr c: ~In.e: Ia be d~ wl1h a ndlag; tMt. in
LctJdet'spd t)iI1l~,prcr::ludd(orfei~oflh~IJlIfrtn''Cl''tinlUC#inIhePmpenycn'P1lH:tmlW:rilll~tcr
lbc lien cmied by Ihts Secud'llftmllrftClll arLcrvJcr", ~ It\lCftllI\. UomowcrlbaU cd50 be.ia deto.lllt IrJlotro:wtz.dmiag LIiI:.
1crM IIIJl!Icu1orl JIrOIlX!I.It~ lIlllIcrially raise. or irIaccur3Ic iIlWDJRIlion or ituemenC'" WOQ (or Cm1al1O ~ LenI111r Wkh
MY uaritl inrammJioD) in COlJJ)CI;li(m 'fd1b the loan. ~ by 11I0 ~ iochJdlng, 11I1I11GI. iimiUXl tp, ~IIllUOllf
~JqnOwCr'l~aflb::Propcrt)'aso.pp~~lflbiJSa:uriU'lDslrUni.onl"tlIi.au.IJOId..BcIrmwcr
:sMfl ~ 'lI'iIh III "1lfl;V1skm1ll f1l ~ ItIlIllI!. It Barmwer;apl~ fee tide 10 the l"1'Opa1y.lhe Ifmtho14 aDO Ibll rcc IlIJc IIIRR
bOIlm:l1~~L:ndcr asr= IG lhc merprin writfas.
7. Pratedilln IIfLeader"s alg:ht$ {t! dtt I"roperty. If Bl'Il;tUWd ClIIUs 10 pc:rfot.a1_ covenalll8..11d ~aLS comIlloed in
Illil Sccmily truln:Il11VIl:' or \heft. If;. . ~ IIUJJ PlD.)' sJ&trilic=ad,. .n"td.Lcn4cr'..,r'ightllln LIte PrepeItY (sucllll9 It
ptOCCCdinglJlltal1b'llplC)".pmbQlc,.tor~tltRll1'cllUlcorwenfOltela'lllSorlt'fPlt.atlot&t).1hcal.crilkrIllll1I1oIWl5N
fur wfmJeotel' lr. a=cwy 10 PflKCCLW:. value otlM PropcI1y ancl,Wdcr"lrtgbllllllbe.~. LcMVIS dGaI ny indwlc .
tIlYiaa ZI1 sums $Ce\JftId by a Ilea. wbicll has ptioriLY OVCf this SccurU1 {~ appalIir1& in l:OUIt. paylde: fC8l".M8bk
~. &cIandcu~GllIho~ 10 mWttpJIUs. Alllllll4h t.endermaytatc2Cllcm1U1det Ibis~ 7.LctW.t
~AlllbavclDdoso_
Nly ~lrdS diliblitst'lJ by Lender IlDlW Ihis ~? drAl hlmmc AddIdoUl dtbt of D~'lU.'lIrec1 by Ibd Sec:lIri~
11llll1mlml. ~ Borrower and lmdcr q:tlX iii' CllIcr 1e(D.lS of payment. 1lM:$C -MlDUnllllbull beAr.lnler8sl flOft'llbc &ble llr
dlshlllSl:ltlellrll,"No=r1l1CllDd stmIlbepqtyah~wizhiRU:lc!L,up01ll\OticerlO8'l J..en1IerIQ DamJWamaUCSlins:~
t. Mortea~elDIImLIK\'. If LcWer ~ JJICll1IlI8e lnsIlr'anl;:t as I. ~Vo:tL ot matiDJ dle 108D 1$OClltt.d by 1iIi1 SC(Uril.)'
IIl..ClUllCll't, Jlat'rowcr shs1I pay Ihc prmil,lmll: p:quire4 lD mninWtl me man,eag; ~ m .e1Tcct. n. tor ;II)' ~. lIle
tdOftBrI8C ilumnmce CO"u:IgO requited by lmda bpst& fir caISC3' to be it. ef'fceL. )JalTOwc:r sbalI plQ" !be Pf<<tlhlmll .requitod Kl
o\JWfl CO\'C:I1If:C subatalll.iri.llf CIllIII,.~ 10 1M mo~ iraBunlzu:I! pte\liousl)' in efT=. at a CQSI JIIIbIULoLiutl.Y CQUiva1enI ~.Iho
CUISl to BORQwel'" tlr UlC monlJR1C Inl\lQLtlCl!: previously ill' C:t'fi:cl, Irani all DlIm1lllli:; monpgc 11l3ul'm' '8ppftWI:d b7 Lender. Ie
~ cquivaknl mOl'1Nt ~ ~.is IIOt 1LV1I1a\lia,. Q,InuwCr!bl1l pay II) J...oftda mch mornha _ l:IJualln
~tb olhp:ttlr ~ IlLstnaace JRIIliurn ~ paid: b~ Bonower wnctllb.IftL'l\DlDCcavcrap lopsed ortemd 10
\v: il\ errect Lender wm ~ IGC IlnC1 rclain 1heso ~ all.a kw rc=vc in Iicd or 1DOlIBI&e tnarr:atee..;tJ......
0' ' Formll
~S;~[::tHOl " r_,,~" flooK13G7rA~11i6 ...'" . - ..
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~
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- ,~~.- ~>~-
-...
'-i.c:';t!;,,,~::
-~
.,
.1
a,nu.o
pll)'l~ "'1l1 no lanp" be. reqllinld. J~ I!Kt IJplinN 0' Lu\dCt. if lIIIHI&G&o insunw:c ~ (in me. arnowlL IIQIl ror the period.
iIIalLendc<...~l"- by..........."""'" by,w.w_ _.'$iIIlb~aIllI;,_ Do......:IlooIlplly oM
prcmilal-la:l.uitcd 10 maSu:aia 1I\UrfIGP iutlrIace in tff'ea. or k'- fllO-11dD a Ja!I ~ 0IUil W IalIM:menL (ot ~
insutMcteMt.iD.~wiII\my Wrillcn~\nc.:wcm~amJt.mdct<<~Itttr.
'.lIr&pecdlm. UmSl:l' or '" .11{I4)' IDlIkc nmonab)e. entriclllpOft ~ iNpccliom Of' dIa 1'hJpcrt,)'. Londcr ,,~l~ Si...e
BMvwcrJ'JUieeAl~,Jml-DfDlPIiwJGIIIJ~_C1.iog~CWlSerorlhc.~1ioD. ---
JG.c:-hma1licna. 'the ~ ~r QIlY awad Clf daim!or tblDalt'o dWct ar ~UCIdilal. 11 Q;IIIDCCIion wilb 3l'1'
~ Dr 1,11.1= lWns Of :any fI8r\ or !be f"ropcny, ar fgr con~ io. lieu of condemnmlan. __ botebJ'lUiJned !;IIWI
IbIlIbepllld.lOLcDdc:r.
1D lite cvcm or II IDtlllAll:i", of !hI!. Prnpcny.1ho ptOCKdlJ Rlmll be l1Jlpdt4m d1Q wms SCCllred II)' 1IIi1 $llQ,U'i11 IftSUlmlt:nL.
wbcdlcr or nQl-lhcn ~ wiIb AQy ~ paid bl_~. Tn b: ~ent or I par\illl ~ o[ I~ !lmpaLy.ja vthIdt 1hc!P.u-
~ valtt;ofd.; ~ launc:lialcly ~ the lIIfdDsis eqtr.tllDUf BftoIICfM 1tu:.-ouutotlbc.lIIRII~ ~ ItIlI
sccoril1"'-"'-iwnoilioIolylot............ ......D_lOld -..-....... -.. ........- by
tItIll ~ tnswlnalC ldr/lIJ, bo tcdllCCd JJrltlc amoUdl oflflO ~ mWGplicd by die laUowlRf fia:tirmc:(II) llIo-COmI AlTIUIWl
ol1b6....._imm_,lot......,.;;;ng..ivIIloIby(b)tho"..-_.r...~..........y"r......
&Itkin&- Afty bAlAnre JhaU _ pAid to BDftOWQ'. 11l1he lWt:Id of. pIdigl JakinS of lhc. Pzopcr\J io. wb'ktlllle rllir morkCl ,,~1~ or
Qu:. Psopen.J IrnIftC6tdy bcf~ Ulo lIk.iQ8 b.llcu dwl ml; amOl&8C of 1M S\ltllE SCCUtt.d ~ lrefart mo laking, ullless
Dormwcr ID'.1 LcnC!r OttIctwilc ~ in 'iIIrWpg or unkas ;ppllamlc.lnw olhtrwisc pmvidgr,lbc pt~J clWl be IIppllcd 10 Ihc
SQm! SCdWcd by dais S~ II\&tIWJKUt ~Iet orDot lhemms B then dUe.
. 1C Ibc 'PItJpeny is abmllklltcd. by 8amMl'. or it. ad'~ i\CIa1cc by l.c:I. IQ BOI'ft\Wtt 1h1:t.lhe. COlWcnmor olfQ".IlO -:na~ All
IWlW m-1IMh.cWm (qr~. SatrDhel'lai1tUl~ lC L.en4o'wJiliiaJO ~)'J'.IliI:rtbo_l:boll0ti00i:l..vmLendc:
I:s au~ 10 co1lcct and app1)l d'IC~llt lts'apUoo.~lo ~tiQnurrepairoltbel'rDpe~Q(IOIfIcIlllmlSC(:lJt~1
bj lhis~y htallll.rncDt.1'd\edJcco Ilthl,luluitl.(lllo.
UnllZt Ltnd/:Jiand Banowerol~ u.gree in wrltJnc.my~ atPfO'CC4s Iu p..inclp31.liball no~~d orpmllJanc
lh6d'lO~otmc av:mthly PllJ'fI'oCIIl5 rcIi:qQJ CO in porll8t\l(lbR l111H1.1 Of GIl~CC the _olluLof SleD llDYm;nQl.
Jt.r:cmmu~~: ~am:Dl ldoJJdtr 1'IHl" WaiTer. ~..t thc.&iIfIt, Jid' pymem VI" modltahm
or ~Il orU\Cmmr:~ by 1ltis $tIClSrity blnllltellt p;ur1Gll by Lend;{ '!Df/Ij'j 1UCI;(IIBI1I".iQ intl:Ke&tol DOft'l.IWCtcball
h(Il apcnr;k: I&) tcb:ase 1he-1iabI1lty DC Ihc urlitil!Al Boaower or UCllItIwcr'S socr.mois in 1mcR:lL LeM~r 51..,n lUll be ~~ 10
WIML~pra;wiiIlg8_Ull.=y~ininlcn:sLOttctuso~~timc!ur~loro~iseDlOdi(yarpgrli:rJl1iOoOt
IhC aamlC;CUft:l.t by uu.s $o;llliI)' 11I81nlhJI(lt ~y reason or any demallL1modflby!he.~BOItOViUGfDomJ.lIIcr"1 :N.ccd$or1
in ~L lUrJ rartJc;nnl;c.by I.nIkt irl ~Il P)' richLllrttl!l.6d)' chait not 1M; IL 1IIOIi<<:r of or p~lh~cxerctu. of any
risl<"'''''''''''. '
11. $uccesaoit1tDd ~ DOllndi. JflIIl,c lid SlYcral Lil'b!&4Ji C~Gcn. Tho COYCl\all:I' ami q:!'ClOlftlC3Ll or d.u~
S..c:utilY 11lSInIment GtIaJl bio4l11ld b=oet'1l.lhc.~D IDlllCl:li;nl o( \.cNICl' amI~. $llbj=:1U tbc provlsllm$ 0('
plR'IAJIIIl11 17. lkmuwd, mVCIIIlIIII and ~ shaD be joia~ ami ~ AllY DGlI'UWL'C' wbo ~sip dIiJ S~~
lnI!rWDCnL bill. does not~mc.Nou: (JJj co--signinll thl, So:M'f l~ OISlr 10 ~ gtUQl.wOMt'q dl#(
DOIrOWl;I"i-'~ in IllCl Propeny undtt tIJC I::bN ollhd Sec:utll)' TIl!lJUntcm; (b) is nol fltt$OnILUy obli&ue4la J)3J tI'le SUJIlIl
1ieC:We4" 1_l$.S~ WsltuntCJll;.lIlI4 (q ~ 1bM J..enckt aad. any oWr l\ofto1Ilw 11'IlU' Iip.D 1p c1mI1, lDDIIify. f(l(b<;arot
mlkclllr, acCOtlllllOClllllonswilb Iqpl(d 10 1M ~ of thisS=uritJ lDIItumCItor die Ng~ ~ _ BOl'IQwtt'icoum.
U.I..cRlACburau- Iflholo;nsecuredbylhb~l~i:I;~loo.law\Yhioh"lal~loancWJeII,
;.ndla&.w&4aaO,y~;iO _1MldwcscorQlJlcr{aIlll~c.ollOQCdarKlk~in~wldIlMi~
weedlhopcrmiaed,IknIm.IIIQI; ta) tal)' IUChbA"dIaIlbcRtlllCCClbyUlot\1nOlDllllCCCllllllylO~ dlc.clqc.JQllie
permi11edIirllil;:_(b''''¨aIn:ad)oCUflcckdtrom.~uwhillh~ptmlfl(e4ll_9i1Il>>o~tCl1lC'mJWC(.
........,...,.............Ih!.><flllldby...uoi"l! "'principal Ow" -. tho_orb, llI8I<lngo"""'p."......
DGmI\I/tl'. If.a J06IIId redU=:~. lite ~ wm be II\:I1ell all II. pgC'lia! JlrCIIaymcnl wlQ\OIIt IJlV ~l cJwcc
unckr dlll Norc.
14.Noc1cts. fl.IrJm:lliee1O OClft'OWU ptt'I\il.Ir4 tot In l,hb.SClOUtiLJitlilRIDCDt shaD.bI;;~lV(;IJ b)' ddiYCrinS hot \>y muiliII& i1
b,. tlral t1:w: m:siJ WJlm ~Ia law ""1- ~ IIr IlPClIber mWrM, TIlt CtOIicc tWlD be &rClCll:d In Ibc rtopca,y AddteA. or
~ iWlcr addrar DGmIWW ~ by IlOIi1:6 Ul Laldcr. Any I~ 10 1.eMa' JlhaIl be ~ by rd'St CIa."ClI uWllD J.ende('$
Rddreu =-4 bI:ceJn Of ~'1 allier IlI!&lren laidor ~ b.- lIulloc: CO BOtrOwtr. Any IKIIlt:o J&IOVidlJtI fcJ- In 1hm ~rit.r
Il1lfnm"ct)~:dWI.Lo~fO~ ~ pvCllIBBmtJwcrarL.c$faWflca KivcGlISpC'O"l*Iindl:ilp~
IS. OotCI"Dlq Lfnt'JSefttablUlJ'. 'nUl Sa:umy ~t IIt;rn b: ~ by Ieder.al 11M' IIlId 1110 ~ a( !be
jllri&dkaioa iD -..bidllM Pr(rpeny Is Ioc:;w:d. lti tlif; ~ IhaL MY provilicln. QI' c:III\M of Ihls SecurlLY Imll1nl:lClll or lbe: Nolt
eanruccs. wlUl 'ppucab1c 1oI.,ycb conDIct:IhaU rlQI DUc=c~ cthu pt'lMsIOM fit lhie. l!ia::IUilf 1nsIrwMaL ot Ihc: NuIC which tell b6
.- dlcel wiwut 'lJ\tl ClKIfIiCIbIg pnnriliilJQ, !g Ulb: Md the pnn-l3IC1RS or lh15 Sel;\aril)' IIlIlIwPelU u61l'iB NOlI: aredcclDn4lO
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. 'lci.1I0rrowttlll CcP1. DOfI1NIel ~U bc~ ~ Qll1{URlled ClIpyot lhc NorelllUl Or Ib}Q &:airilY JftSlNme:aL
11.TaItlf"..otdte~ar.D~lnlenllllilJUerrowei. . JeallCt'. ""..... Clfll'lll~ora:r'f~fnkis
.$Old Ot'nnsI'QIed Cur If II beIteBc1af iala'csf. izl. 80n0wcris JDId 01' ~ IWt Do~ Q Pt. NlCI.ItaI pl:IlIlm) fthow:
laader'1 prior ~ ~LeadermoY.alJl" ~ 1tCluir8111uacdiu:i_PyRlehtill ruB (Irall_1CI:urQd by lIlfI Scuril)'
IIlIIrVMIcnI. However. lids 0pIiDn $WI flQl be CJl:at:i3cd by tender it eleICiJe .. pn:Ihibbcd bf Cc:darid tt'il' !Ill or &ba _ 0( IftI$
s=rily ID"""""".
1C1.mtSetc:radietaJhs~Lllndcrsbah&iY\\8orro\oerllOliQo"cf~. ThcDOIiteIlluJ.lJll\lndoa~odoCAdl_=----"-
lhaa 30 clap no..lt lhedaul d'a:lIOIbil dcUvercd otmalled "'thin.,bicb DoDl1it'Vm1lJlpQ)flllllllRlS~ by fhlsSccur.ily .
~L If BOrrower Ihib-IO pay lfJacltlllllpOorlO dac~inItloa OCEtlk pertod. Lcudcr JnlO' tn~ lIIIy I'Itm:dbJ pctrnlUQf
by 4ir Scwrh:y Inslrurtit.nt WidMiut t'tldbu IlO1ic& or tkfttllRll OSI DOfrOMt,
J8.D~R~k11 ReIlatale. U Dotrowcr ~ Cl!l'Udn ~ DCIn'l)WCI' rbllll blYC 11m righI to have
..r_, oe.... S_Y~I._'"",,, .....' limo ador,,"" "'"". of 'l.iol s.." Co<......... period..
Ij)pBcab);.. IMY spccily (ur~ bd'oreaICofw. PnIJiCny pursuaatto~ po-.rorale~ in tJd;Sa::urit)'
Il\lIlruDiflMr;&(b)ewyOfIl~,ellrftnt:."'bSccl.lritJ.J1I$,lrIl. ~,1bOJl:l:Qndilkins'Or6. .~~.W(a).pa . ,..Lencrl:l'lIIi
.lillfl\l..JaJdl men waWd 110= dqe 1Iil&rthi&Secumy JaslnunaDtIllllIlK:-NoIc'1Il it 110 8CCaI'~,1lad 0C0IIn'ed':(b) CIIR:II: any
4cCDulLotlll'lY'otllcr l:I1I"eIuIDtSor~ OOPJl1J atlcxJ)CIg:IZ ~ ill entorcJng-aur Securtly 1cIs1fUmel(1, ffldlldiJlC. bw
MK IlmiIed.lO.-~lc IIInm;ys' fe;r,_ (d) IaUrSllC& er:Iiaa.,q Lcadcr~,I'tIISDftaW1~taMlU(CIh:a.\:'lbtieqorrhU
S~ IRSllUm. ~t ri&tu.s in dU: ~ AlId BlXIOWen,ohfiZlllUll II) PfIY tire 101m. >ICClIItd t')" Ibb SecurilY
1~.wI CEllJlllllllc waaJiJed. lIl*1 ~t by lIorrvwtl'. "Iii Sccamy J~ And Ihc ubllsaiinrl" ICl:Ihd
~g)qnnimBiaf1l!lydTeecl;rcllSifDO~tionlJll4~U~.VUsrl&htll)reiWltll=b:nftOl.~itJ,rbc:caseor
~UllCIIlr;~l'1. .
19.hleoiNOU;~""J..o.!1Sc"lcer. 1be N~ Of ill PlU'fiel inImsJ. in die NQ1e ~ ",lIh dlw So;:qriJ;)'
.IM1rW1eAl) Iiw:i. bo ~d ODCOf nJlRlitlla 'tIi~priwllOlb: EO Bom:rwer. Asaktmay n:suk-in ..pia lhUellliIy ~..lI.tn
a$fbc"'~ ScniiU.) dwc:oUcct$:Dl~Pll3'.lnenIs _uaderIbeNGtcJtld-1lri:i$~-J....1nlmCnL '~_ mar be lXleot
m~_ps o(fllou.n S~1DlZII:itcd IOA_ olhN_lfdacrD III1Cflan.ge_~rtbc-fAan_SerR=c:r.~""11 be:
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lnf'ammrlanleqUqb;-.pplbblc law. .
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ranovaIorG=~ofllty . lIS. uiI~
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bat DOt IiIllia::lIIOt allGC'DtJS of aU sams -== ~ldUs laid sltall _bat;e: JIIld $G1i$f')"
22 ael1Uto UpJn pI)'llWlt Id Alk: lluch ~ c:r .--..(1__ &0.
. ~ttldbec:OAlCVCl . ra:rJftlBV.m~ urorOl'ud~lnl"---"'-:"
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I SUSA~ HAPpaa '7515 oUNTIH6Tl!" PARH PRIV .
I iIhIlt-fwacd!f\0nt88.Q&.12 1997
OIt,r l!ayor fallruary' _'
WilntamylwtdUilil 18th ~L.'f'l."1T'\ "Tln.Pr'.J'l. ----;-,..gfJ,okol"....
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penonaUY"""--POSTa\, A MAR sM~1b4l .~",,""f"l;'h.
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\1Il1i PREPARED BY; .~~ ,.lduI'Ot!illol fb:::':';;ii 'ffl~'~l"
- THIS UlST1IJMiNT MORTGAGE caMPANY.~. I. ~e::."N*I ~~~_.....~..
THE ROHlINU1GK ~i" .ptooeof4 ~::-~n-, ".
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SENti the ume prc:mbcll gmrtc:d amllitMveyed unfo TraG)' David 110Jterl by O=d or Judith L.
MCIWr, mlended ICl be r<<:ordod ronhwllh 1ft the Cumberllllld Count}' RetoI'dcr tltCI.-aJ!l Offit:e..
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ADJ(JSTABLE RATE lUDER
(Jyw'f.UIIHJ'I......a.u.:~Ja~~OptIi.W
nus ^D.uJ$J."ADIJ!. RATS RtDU,'.u madl! mil 28tll d:;w .u ~brll.al'r
J987 . urlllncOl'Jlanccd info .....$1.'" be 4llaNld 10 ilIDCOd. wJ .Il1P9le&llMl 1M: M'o~, ~ of TIWI
Ul" So:cuity Deed. (Ihe "Security JlllIl.nI!neI'ir") of the SiImC cJM.t liveR b1 the. undeRigDed (lhe "Bottowct-) 10 ueure
1Iorrower', A4junableRmc NDu::~mo "Note.) 10 :
. THE I:IUHTINGTDN MORtuD! CDMPAtn'.-. DHla CORPORATION" ~(Iu::.Lt:mIcr.)",rlhf:.
Pille-dale and ~ die prapcny dcccribcd 10. du= S=u:i1)' Quu~' >\nd b3tc:d.Ql':
1775 K1NGS ARMI couar NEW CUMBERLAND, CUMBERLAND County. PA. 17Q70
ll'lafRI.,.w.Jmf1
THE NOTE CONTAINS 'ROVlSIONS AWlWlNCl FOR CIt<NliE$ IN mE III1EREST RATe
AND THE IIONlIIl.Y .AYMENT. TltE NO'll! I,IM\TS THS AM~NT 1lUl BOR_EII'S
IUUIIllTABLE lIl'IeIIesT ....TE C'AIl C\Uo.NQI, AT _ QKf. 'I\MIl AtlIl THE lU.1OIIUM
RATE THI! SOflROWER MUSt PAY. THE NOll ALSO ~AIN$ THE OPTION 'l'Q
COJWERT 'fME ADJUSTABLE RA'I"I!'TC) A FIXED flAre.
A.DDmo~ COVENANTS. h1 lldditlon JO 1lIe. CQ~" IIld Dgl'CtmCl1l$ made: In [b~ 5tJ:uril)' IQJITUIlJQf1t.
flonowr;r md LeIIdct runJact CO'ICuiInt;mll lIgM i1S:toUows:
A. ADJUSTABLE RATE Allll MONtHl.Y 'A'lioIENT CHANGES
~ NOl:o providcr; rur IIlJ. iDil.id bIt:e!l tiUD of 5.62.50 Jr.1Qe Nore pro...ldt:I fut chillI"
11\ tho.-dj~e. irllGtat rIlemd IlIc nwmdlly~m_. D$ rOllowJ:
.. JlllJUSTAllLl1 'NmleST RATE AHO MONTHLY .AY....... CIWlG'S
(A) Chang- D-'A
111ll ~jld(a(lle IblC[es:t tltc I will pay may cllllDge. on ee lil'lt du1 uf Marcb . 168& ,lIfIl1 DO
Ulal: day ~cty 12th mclIlJh thcte1fter. EDch dale on which my adjl1pable la[eM! I1II.C could chango Is caUed ll.
"Cbaa&< Dalt!. .
(!lIY"~
He.Jldnine. wlCb lh! 001 Chadc.e Dllk. my l\djuSl3.le ~l f~ lIIill be; 1.I&Ial on an Iadell.. The -IDdeJ:' iI
lbewoel:l)' avcnse)'icld. 011 Ulili.:d.loil,lfel ~Ul;)' ICCiIrlll~ Q~j\,ln;4 w, ~Jlilm.mamrll)' ot I1GDr. ..'mad,
~~~e by om~ P<<lctaI "'~ BDatd, nle 1ur,Ji1 fC:t'C,IIllmJa fig.we.as of ftlo:dm 4.5 daYIl bell/A:: c:ach Cbarlse
naq:;bc:auIZl!hc~CRrmulad<<.- '
Itdac ladt:z II no Jorascr allailllb1c. dIl: N~ Jitakb WIll Qoosc:a. fI\:W Wd!:J, Wbl.;h b It~ UpCln .:omru.rablil!l
Ja(QrnIIllon. 'JbeNQl,eHoldi:rwill g1ye.mcllGlkcoflhisttloice.
Ie) CllCUll1lon III ChIDQll -T.4 Ind Se'l8t1-Elltbthli
Befote clICiI Chaa&c Dalt:. tbe Nnll~ lJ"ldc:r wIlt ~1lJQ&/NC my new latcrdot nrc by :.dcUna _ II
~~ '-[.Cf.cm.fIte poW(J) , Z..7"111I: Qtrto:llt 1mb.
11Ie NolO Holder will thrcn round. Ibe result oIl111s addiWan w dse ~ ClD6ooJa,luJi ot UDC pcrcamatf. poill1
(0.115'1). ~CCI to the lilUit$.st&taI 1%1 Sea!O,Q 4(D) belaw. Ibis NwWcd UPDUI1I will be: ftl)' I!.OW WICrCS( rile
umll dIe.~ Qq;;Dale.
~ NaiC Holder will ~~ defauIklc. the a1MUlll of h momhly fIlllRllml. Uiat WOfJJd be .um'knr I" ICpa)' lbc
uSlPaid prllejpll! IhaJ I ,IUD ~ to OW! QI ~ O&Iase DJlle in fuU on. the Mwdty Dale III. my 1Ie\V tmaut
* il) M1b#l@dIIly equal~mwt;. 'Ihc _It prtbis,~ win be the ACW IIur;NIId C1r lilY monthly p:.ymeqt.
(D) Um1lS Ob lht8r88l "'1I\e ChDftgc~
the iaI~t me I am requited 10 pay al. thf:. (1m ~ Dare:: voill not M ~f' lban. '1.&25f1 ~
at Id$ Ihuft 3.625.D.. lher=&e.-, ''Irf adj.l. ~ na~ will ACYct' ~ ~ IJr d~nsed un
141 Dill&l~ 0a1llJp Palo- b)' ~ tIJ,aa Tro percmuqc pviot(J:) ( 2.IIDOO:vii) 1m.D' Unl rIlIl;: or
izllCt'elItJ.vaNea~ia&t.:.rrbcfIC=~11mollll1$.. MyWeRll1l1ll(1!willllCYCr'bc,_udW. 'S 11..&2&0
wbtck f&t3lkd Ib -Mu.lrl\WII ~-,
(&.) Efr.tIve OQt& of CtllIlnaOll
My ne..... ~ ~ will bccoa:Ic cC~Wly(: Q1tM ~ n.. fwilltJllY U\c ImCUD\. afmy l\C.'H monthly
rlJYIlIClDt tqlPDl.uC OD die nn~ IlIOmbly ,~l ~ after ChI: Q.an~ 0"- u'Illl 1M IlmoWIC 0( lilY mDDdaly
I"l'...................
tl'}NolIceol_.
The tl* 1lvIdI:r will d&lmr (If awLto ute .. nW.:c. of ~ ~ ~ 'lR,)' ~ ~ c& ad \he
1t\'IOUdI of Dr! moDdlly paymw. ll~ Tho ~Ive 'ate of an.v cbwgG. The JIO'lice: wJll I4dI/d; ial'o;ugliolJ,
req,und by law lO lJC Ji9Cl\ rno and . the lklc 'awl klc:pbcm.. IIIUlSbcr of a pc:i~ wlw win IlDlWOl Ilt'J quulion
IMayhl~en;(pS1lin&I1lCIRI1I1otlo .
"
9. Rn.D \N1ER~ RATE OmON
The NtIk ptVYil.lli:J COr the: D~s ~ w' CObVert [rom .m. AdJlW.1We iNerett ndc ....ith t.aePeSr ralc hmils
10 0. tl~ inlCl\1llc,*" JI!l (O~;
"1'.'1:
.. _ INTEII~$T ,,,,\'Ii C1>"""aSIOl!,OPTlON
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(A) Optlon:~ IOA:Ifld RGfo,:-.; , .;1 f .,:1,," .
r hhll' '" a;;;;WII 0ptlCll4 dial I J~ 1Il\JC5$ 1 oW in dCtA1dt lJl mil o~! ~(^' 'will j)(I[ ptflllit J'll~
to QQ roo ru .C4nven.iW1 Oplioa- l& my option 1.0 COI\I/cd lhc im=n me'o t :bq required. to PlY hy &his. NCI{t>
(rom au IIdjlWllblc I'I&CwWt Intcmt we: 1lIl1i~ lU ibt: lhed ram caJ.Cilblcd IlT'derS$ctI~I$(l.) bcl(lw.
'Ibe comllemon can only 1lIkc pte on ,a'dale($) S])fldlied by lhc: HOle [lo1clcf durins I.bCI pcIio4 lJcglnning ell
cthc:(flU! qlllngC;.OJIlc AI\d M4Joa. Oil di; Ji1tb CJIIUl&l" Date, l!.1tt. ~e 9Il.wb.ldllUJ' adjUllahtv imete$l rail: CD!l
~CORlICtttl)thoaewlb:edl'ltC'uClli1aldu:.CoInom;ioD.D;I,te.. , ,
III ""IW 10 exercise; IJa: Convcrr.i<nI Opdoo; 01 nJUlt:fil'll DIO;l C1Col14ia GOndldotlS. ~CVnditiWd art Ibat.:
J.tIn.1Ut'^n:CONVIllTlDLli:AW'USTA.llulIlATI31llDER.s~ "-Ur-lv"'~'ad~."""MM1 r-.m. ""
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(i) I mlUl C1u tbc Wale Haidet IlOlio: that 1 WAIlL In do ~i (ii) OIl.1he CntlftftioD 0316. I Il1lm Mt be in
llGCWIl D11t1cl' Ihe Nl1tC at rho Sea1rlry 1N1"~ (UIJ 0, . dll!: ~fied by &he NOle &14er. 1 mtlSt pII)" m~
NOle: Holcll:r II _VmiOD. b of u.s. $ '2SO.oo I and (i,.) 1 rmlSl $ip. aDd Civ; !be Holt HfJlller ~
40PlmemS 1b; NcDt lio\cIcr n:qu\m to c:ffen 1M ~&1on
(D)l>okollm."'__
My ~w, Ilxtd tmcmI rate wID be cqW"l(I-lhI: p~ NIIlAnal Mongage .NlgcUWon'5 ~ited. ftcI )'lcld ~
or J. date Jad lilnC. otctAy -,tied.hy the l'I01C Kal4er for (i) lflbl: crtdPallttm of tbiI,... \.$ &fetlICI" tt= IS
)'~ 3O.Y=U' n:crd tBIIl'DiOl\S~ PI:m1 by llppIicQle ~ ~\OtJ ~ 0DaUII\1S\a11.l, pI'"
flV"....lVift.tIlt. af ~p f'im G1.US<<",,), rouadcd. M 1ht l:IClI~ ~&JI11l. OrWle: ~ point
(O.I2S51. Qt (iiJ If !he MliAAI lam of lIsil N~ 13 15 )'WI Of ..... 151'_ find me ~ co~ fly .
l{Ip1icablc fiO..dar m3N1afoty dellvcly c:olllJll.l.t1Ml'Ib. 1"11lII flVo-8.,hthll ,f onfit:r=m.&&e pili. p.IiZ50'loJ,
rov.lllkd to Lhc tle.lIrwt ~IIL or * pll:n:m.sge ,toiul (0.1,2$'). If dab requited IIM:t yield QPPaI be
c1~tmUM:c1 ~ _llle 1l'1'l~ arrIltI&Ifftw:Dta aR AOl ftahl~. Ib; HOlt Holllct wm de\tnninl rrry idfaqf t2JC'
by LL~ille cvmpnle informmloA. M)' DCW ntfJ. ClIkulaU14 \lnlil:t lhls Seoion 5(0) 'WU1 _ 'ofl, Ircmer 11uD ~
llrbAinumlR_IQ\..t-bt~4(O)~. =-~
(C) Nev 7I,ymmt JU,llaunt aM Etr~I",c >>aev .
1( I clIC'1OSe ~ ~ I.bc CtmveQkm OptiOll, 1Ill: NlllC H:olm:r wUllfetmnlDe Ibe arnotml' ollhe mautIIly
p~m;nl M ~ he W(l1cietll 10 JqIIY die IIlIpIId prindpal r _ ~ 10 ~ Oft die CWvmlop DBlc In
full fII1 d~ M.uvlt)' lJJ(C II! Ill}' new ratd InftlW ME: in lUbsulnt&llJl,y cqwrJ payautr. 1'be ltIuIt of 1hi).
c:ltroullllion will be Ibc QCW am1)lJf8: of ..., IDrmtbI)t ~. SCftlflpiAB 'fritll my t$nl lTMllM)' pJO'nal M\cr \\\c
ColrIttlIoD D_e, I willl"l'...... -....."" """",,,_Imlil'" -.., P...
C, 11lANSml 0>' mEl'RO.I!RTY OR A ._e'l\L I>lmRE.<1"m BOlU<OWIi:R
t. thWI Botruwa ewcilll:f me OmYCttiola 0priDP orndcr till:: Cdndl~ ualQlI lD. SMiotl Ii of Ibis AdJ~fil.bl~
R.BJt IUdl::f'. UlliCotm~ 17 ofdac3<<urlt)' 1n5(tU~ IS >>ntDdlldlo:ll'ell4u CullowJ:
1'nsnstet a( ISle Pf9PIIt1 or . 8~ IntIIr6at la. flOmIifIef~ tc wi or Ilt1 tMd 0( dtc: J.>mpmy <<Illf
~t lI\k.tslG1diU'1tU1(~ (QrU'.bcnefidll fBtoRSl inDOlJO'om' kJUld or IralIIfmc4 IIDdJlMower IsIlOI
1. q~RlI penlifIfl) wilbout lalder', prlflr ..mucro COCtHI1I. I.modu ray. iI Its optiotl., ~ immcdlare PlQ'ateIt ill
I'Illl or III &WQS Jccurcd II)' Ihb: Securi'y 1N'I",m;ne. Hu-.wer. ltd_ OpCio.Il sbtll fIG( ~ ~14~ by l.atdet i(
eMIdsc 11: prolIlbilcd by feUcnl law a: g( lht 4glC" of Ibil SccuriIy lnsltW11mt. 1d1der a1JO shill DQl crcre$fO wl.s
'-'pUoon If; (I.) BQnowcr Qlmc;,; 10 be: Ilutltlllned UI \..eqder WQIlft#Iion i\:ql/.lrcd by \.cnlkl" to 'tYlll... 1be iIl1en&k:11
ll'3lUfucc: j15UIl~loanwcr;'ednB~'l,tltbellW1Cft6:: *tb)1.J:Ildet~) ~ tlw.~,.
ft:t:llT'ilY....l11llOlk1mplli.rcf, t\y~lCal\:lo~\Im ~dl.:d. tN;.tW;.ofll."b~ o(llI11~ arltT~ In.
,tI~ ~ri~ lMtro<<=lt it IQ;eptIWlc: to r..en.dec. "
To die errflll pc:nm(le1! by IppllUblc law, ~r may ch:IlHl: . reasouilbh: ~.u:l co1ldUll1D to l.bad;r'!
..~ 10. rile 10lU\ :=UIJlpld, I.codcc also 11m? 'rt:quita 1I1~ (,...~ lCf JlC" all USQdlrl10n qrecuaU WI is
~1'Il l\\ J..eOlkr ., U obllSalC$ ~ tr'Into~ to Gap 111 tJll: pmtrllw AbIl .lstCelMl1ts meta Ill. the NOIII"
QIld in 1Il1J $cQlll'il.Y InsUUUJCDl'. f1l)r1J;lWer '\11m Contin,,; 10 'bill- obli&lItrd t1JI4cr 1be N(lte. ANl 1h Sel:uTky lD$Wtncm
unless l.e'wJ,rrdwcs ~ln Wrilhla:. .
If ~ ~ lt1e ~cm. to re~u.~ IftllflQl(lIlc. p\rymetn in full, lb1dcr WlI give Banll\IMt fIOli.l:l:l of
u~. Tho IKlJlca llball PJtlVIde .a pc:rio6 oE-AoI !as ~QU $0 Gay5 fJVJb IJJe /We 1M QCItloc -p deli\ltrtd or
m:llltil wilhi:n wI:llch Bonuwer IDU.I~ pi)' J'l1 $lllI\lI scam:d by UtJI suntil)' Instnlmcm. II Bonawer (_lls ltI py thcJe
&UPU prior 10 dJC opiRJion of dN period. f.erldu ""111 .1<JYOkc Zl)' 1!lJI_lei peftflltled bT Ibll: Sccwh,. IllJll"llmenl
"..i1hulll MtMr ~1Q:1lI" lJemllA4 oa 00tr0weI".
1- ff Oottuwer ~ 'l~, Ctm'4tmoa. ~ton 'omelet the. ~Wot\I. ~ ~ ~ 8 o( Utb AdJlIIUlb1e
Ro$." Rider. Uw ~ l.O UaI&mu, O:Ivotaal 17 IJ( _ Securilf 1ImtnmIcm: comaJntd Itl. ScctJOII C I abovr:
sUll thro. LUll:. to be ill r:lfcet. ;ad Ihc (II'\1fis1ODf or Uniform Cov=aN 17 of die. SecudlJ' J4JlMnCtIl ~I i~
be UI crlW, .M tcUow..:
Twmfer (If the PtOpertJ or .. eeneftclal .lntelUt ... 8Drr'1M11t. re arl ~t =1 p.ul CIl me ~ Of any
illm$.! tnilufQ1dO('~lI (orIta~1PlI:re!(tn~WQ'i&stl~Gt~ _~ gaol
a ,*uR! ~ wbbClUll..COCW'J" pm ~ ~. 1.on4w Iflq. W i15~, teI.'i"~ ~ ~ (II.
fuK of llt W1\'G ~ ~ Jhb $r..:qrll)' ~ "_ewer, w.it. Oplllllt tb::r;IJ QOI. "" cu:rd~ by L.cnder if
~ lr.Q((lbw~ by feduiawasotmcdal.corlhL\-.ScwriQ"1muvml'Jll.
If ~ ~rdaes dIif ot'ftOB. Lcaacr .bAIl 81"' DamlIlIICt ADtic:c: of MCcIctlUon. The notiolll sIWI ~ II.
Jld'iod of'* 'Ied.dlAtt 'O,Urv from Ibc !We lbe ualkc I&: delivetaJ ar .wllld wil!&1tl Wflleb Sqr.(Olll'a" nu:iII: P41 all
:swDlI.,;QUtd byfItUI~ IdllNmC!ll. If~JaihftllUQ'~lllqpriofIQlbo~ nfmil~
l.cII4;r may ~ JIb) fem~ permine6 W thll.~1y ~.s'..-=t 'IU~ Mlbcr MI* ~ ~ ad.
BonDwcr. -
srSlr.NII<G BIlLOW. 8'""",,,,,,,, "'~W""le
RllcRId8.
"'0lP<~}~ '" ~.."" _ - lSool)
'11\V Q( cumbel1and TRACY~VIa F .1, .....~
~' "'a-" IhloHlC4!I, ,fOC'thel'8COrcflCl9ofDleU {~ "
I.... bllrlflndO:aa&"' ..~.. t., IlInDl1m'
P ~ ilo'''"'~
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PLANNED UNIT DEVELOPMENT RIDER
THlS PLANNED UNIT D.eVaOp~ RIDER IS mads tltiszath de.~ ofF'elll'l,Ulry .
19 n ,and as. Inl;Crparld8lf Into linG IhaR till doomDd 10 IJ~ and auPJllumen\ thO Monpge. Dead
01 TN$! .or SaCl.lfflV DoeCl (Ult "'SAcurUy tnllNmont1 or the am, dale, g1wn ~ lho lJl1dunignocl (the
"'8QIfCIwlid") to UGUI'O Borrowot'$ Nola to
: I
THE HUHTIHGTOH MORTGAGE, COKPAHY,"AM'OHIO CORPORATIOM" {Iho ~nd.1j
of Iho same d'atlJ. and CC1lt8r1ng \t1e propen.- aoscrmed In the $llIcwity IltSwmenl end IQCMted at:
1776 KIHaS ARMS COURT , HEW CORBeaLAMO, PA 17010
~AdlirGlml
The PropoIty Include&, bul is no:. 6mil.ed te, G pamll of tanct im~ with iii dwoQlng, togethtJl with
alher such PBrWl5 11M c.ertlln COI'I\I'l'lDn ,"tas and fac!Udes. OS dosmbBd in
(the "'DedataI10n"').
'I'bo PrOpe~ iI: 11 pan Of ~ ptl."Md. unit d11fOlDpm9f1t known RS
BU!lTUS RIOGE
tNQmool'PlarnBdUnllc.niopmeflll
(D\e "Pf)D1. ibo PKlJWtY I(Iao Indtda Boaonvr'~ inl<<64t /tl IhI ~t\'if .QlQCiaiion or
Iqt.Plllllent enUly awning or' M8"aglng the common lress end fadlltlos of the pun (tbs -Owners.
~n") and tfIe U/iICIe, bM8fiis !WI ptOCBGGs. or BonoweC", 1"luroal-
........pun COVENANTS.. 11'1. addition 10 &hP OiIIVIIIlPIs 0l1Cf 8Qreememts ",8011II it'\. the Socuritv
. It'latrUlflllnt, 8cln'ow8r &rid Lender ful1hor 00Yenant aNI ... t111l1 fDlbw:I; ~-
A. PUD ObUpllDftL .;.BanowoI vrrao perform III Qf 8QIIDMr', abngldon. undor tho PUO'~
Consdtuunt. Ooc:umonls. ~:(.."CQnlllilllelll DaCul1'lontS"" are tI'IIf. ll) Declar'lllcllni 00 If1lcIos of
Ir\e:ImlOration. vuat instf'lJment 9tJal'l ~nt doGum'Bnt Which croates 1he OWnBI'I AssacIlUimr. am:!
(\H) any ~ or other NlIll~ or fOQ~ al' ItIQ c;hmKI AnoQdon.. BonroWGt shaP PfOI"PtIy 1Hl)!,
.m.n d1,l8, all duu and nsSUfl\tnl$ JmPDSOd pufWBnt to .he CanlIlftuunt COGurnvnw.
B, Hazard InMR'lftOG. So long aa the Owrlo" ~1IOn mall1le1nf. wilb . genenally
accep~ lnIuru.oe carrier. a. "lnlsra'" or "1:IIan.... poIic)' Inaudng 1M Prvpgny wtllctlls: SldlKractory 10
l.Ond8t and 'IIIMCh praWdeI inaunlPC& COterega In ChID amauf'la, (Qr Ihe. periOdSl. e.nd 8gm=t Uta
hGzIftIt LendGr roquZm, '1rdJOk1IJ Itr8 _ ltmltdll inc:Iudecl MINn-the IBnn ..~ lXrm8IQ," \I'Ien:
(i). t.lmder waJveIU''\e OfOVIslon in IJnIform ClMIIUU1t 2 lar Ihe rnGl1ltd,r ..""om W; Lender of
......e111h oIl11O l"'ortv prarnl\nl,_...... lor h...11d I........ OIl the PnqmIy; end
~ BCll'mWor"s obIiQadcln u\"l4er UnIform ea-flaf\' $. to .....iru4in M:zatd IMUranee CO'Iftnl98 on
dlo P"'POny b du",ed uli8R8d 10 Ih9 extant thl11 me l'9Ql.IIred c;:DVllInlgt is provldad by Iho Owners
-pOlIcy.
BonO..r tItuiII gin LBndGr lXWl n.aUco of any 1Bpli8 in reqUll8d hazard lMl.Il1lftC$ COVCIrAOCl
J)JOVidod br the mutetarblaJlkel:~.
In \he QVQnf 01 Q di&lributlon of beHrd milWfBnCB proc9Qd$ In liou Of rostOlUoA, or repalr
t~ .. IOU Ia me p~. at 11:I common 8ru& and ladlblas al "" ~O. 11ft)' pIOC8Clds payllb!u
10 BcImtW.r ant h8naby 8!Dignl1d ud. shid bo paid to lender. ~ ahd oppl)l' the praQads 10 lhQ
.1IItd UCUf'Od -by tnO SeCUffly I,miWment. wiU1 anr o.ROI:I8 ,PCIJcl10 Borrower.
Co publiC' Uabllltr ~nc:e. Bertrower ehaD laka aucn lI.Cliom Il$ may bo l1UlS1onebltl 10
1n1itR8 mat me Ownllll~ ~n tnIIInblin:s II. publk; IkIbIlIty InGUIlIInca poICy accoptIIbIe In form,
&mourn. and uxlont of co'tOl'eOQ'1(Il.ender. ,- .
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MUL'nSTATI PUD I(lDilR . SlIIgID FIoINIy. FIlDlI.. ~~ Mae UKlFOIIIIIHSI'IlUM!HT
PaRM i!tUD_
hoo (... ~
klIlC 'l!4T PUD-IUOE Inwl.... 41;11
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D. CandemllAlkNl. 'The p~~ rr! any .Wllta' or GlGfrn lor dam8glla. dtr8ct or C011SOquenlial,
paylblo la ~ In ~on with ilhr ccmrSomFlab at aIhIr takfng or 011 or anr part cd' ~ ~
Prapotly or 'Ole <omm.. ..... ..., lIdlIliGs of tho 1'UD. at lor IIl1l' ""'''''I'lllICG II Uou of
c:ondemnalian, _ hereD)' asaJgned Ilnd. ahaII be paIcl' to Larn181'. Sum pna;ecdlf atlllll be IIIIPIied by
l.endsr to Ih8 IQJr)S sacured 1:1)' the SeeurBy Inslrum$nt lIB pm'Ifdad In Unifann- Covenant 10.
~ Lendar'. Prkrr OonsanL B~8r mal lICIt, OtCOpl allM ~ tD Londer end wiIh
Lender', pnor WllRGn COfISOn'l. either ~. Dr IIWcfrtide tht Praperty Of <<lIIlSGnt tel
(I) dla abmdonment or Iennln81Cm of Ihe PUD, OKGOpt tor tblndlX'lmsM or 18m'I1r\a11on
required by law ir1 the GaG of aub=iblnlla! dNPuctIon by fin) or other cut.II1ty or 1ft tho cetO or a I8kIng
tly CIclndemnalon or omlnent cfarnaln;
(iI) IIn)I emendlunt lD any provision gf Ihs "Curmnuunt Documonls" 1I1h$ pI'OYfaIon Is lor
1ft. .... bonofit or (.ender;
(ii) wnnhatl;n at pR<lre6:SIonal IIUIlIAOQmllll\ aM assumption or sQlf..nq,nag""Or1t c1 1M
Owners A$fOCIftQn~ or
(10) ""y ___would ........._of randoM. "'. pubI10 D'lliIIlllnsuron,"
CQvtlrqe rnQtte.~ by ..." OwIl8lG A$;odGdon iIfllllC;Ct..b18 to l.oncl'or.
f. RelndDs. I( Borrower daBS not pay PUD eWes and P11l181mG1tt& when duB. lhen LaIldIU'
rrl8)' pay them. Nly BmOUnts dbbul10d by Lemler under tt\IIi. paragraph F shab.beI:;gme addition"
debt of Bonuwer socuml by.tba SIa.u.fty lnstnJrnanl.. UnlMt 9onVwor Gl'ld LoRdiiii'" alJlB8 to alhor
teIm$ of paymunL Iheu amount :s;heb bliat intllJWlll frurrr ttte d3Cl:l of ~ at tho NoUI fIIClllll"ld.
s:naD be psyable. with Jntsr$41,. upon notlc:o from Lander to BCnuwer ",questing j:l&ymarrt.
BY SIGNING 8!1..01N, 8QITVWer 8CC8~ur.lII'I(I4gtee! to lho.tEIrtn! and pmvIakrna cont8lnoo" illlllls PUD
......
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THE RUNTr"GTON NOHT01GE CON~AKY,'IN OKlO CORPORATION" (thB~lando~
Qf tho sllllle, <1010 and covering IItG p",()Orty dIl~bllO In Iho SecuritY InslrumeTII enclloO$Iod aLl
1175 III NGS ARMS COURT. HE" CUM8ERLl.NIl. fA 17676
IP'''l'''''l' Mo",ol
Tho Pmpsny 1JlclUd0$, 1NI 10 "allin-lis. 10. a pereal or land Improvod w~ . dwel1ing, \ogQlher With
other $UCh psreelo all<! eorudn OCl"'men ....... anlllaclli\ies, U llaSCflDod In
(11I8 "CaNtlllion..,-
The Proporty if. a pert 01 II planna<l ~nll _lopmal1t known ..
HONTERS 1Il06E
[No'" of_ unll Dtw~
(lho 'PUtr). 1M ProJl&rty .1sO Includoa Borm....(. InteraS! In Ula hamQO\Vnan; .....oCiadan ar
oqulvallmt ondty owningar m_glng ll\O comman _ and laoililiOS 01 lho I'ue (1lIG 'OwnD'.
As~") and lho u.-s, bonQ,liLS and PlQC8sdo at _or'" inlOnl8L
PdQ COIlENANTS. In ad<liliOn I" tho _onemo I'ncl agroamonlS m..do In 1he So<:urity
Inrdrumom, Born...,,, end I:ondor lurtho! CClvenSllt InQ ogrllO e. rc_:
A. PlID Obligation.. Sorrew.. shell pariomr ell a/ aonowe"s abligallonu IJIldor "'" PUD's
Constfluent llacumon... Tho "C<ln._ DcrtluIIlenl9" ai'll lite: (ij D.-.Ilon: (ill llItiel.. 01
;noorporatian. ~llnstlUmlllnl 01', any ~__t ,",""Ill"'" wlUQl> a&alO$ !hI OWflel8 ~stion: ond
(I/;) any byoIald 01' olhlll' nJlRs ci'rsgul&Uon. Dlll>o 0,,"01'1I A~~.I;~n. Bol'lDWOf 5haIl prOmpdy pay.
When Q~, "" dU06 and QSSll'''''',n!& lmpoSOO pursuant 10 \h6 ConstItuent Doc;umsnl$.
Il. Hizerllln9ilranee. So long ..s Clio 01>1"01$ ASsOGluliO" 1'nail'llOlne, willi a ganorally
aOellpLOd in8u"noe """i.r. 8 "ll\lISler", or 'blankel' pOlloy InSU/lng tho PfDIlSn:f whicllla Pllslactary 10
l.8nOIll( ond ",hieh pro_Ides Insumnce CClVOrage in the lIlllOuntll, lor U1a pe~, and lIgllinst the
ha7.ardo \.on<le. .equlres. inclUding foa ono '-Brd8 ind1JcIed ..iIhitl the lEI"" "lll<l8I'dod _Orllga,' !hen'
(l) Lellder W31."" lIle..p......iQn In Unifal'lll Cavonanl1l for the !11onl/ll~ Jlaymont talenae. 01
O_IWGlI'III of th. yeady p.~' insl4l1mtnl& to' h_rtd [Muren... on Iha Plllllllrty; and
(Q) BolIOwe", obllOatlon undo. Um\'oIm Covenarrt I; "' ..,.iI'\lIiI'll'azanl inOllmnCll ~. on
thll Pmpon:y 111 doomed _lied Ia 1/10 _ chat 111. ,oqulred -0l<ItlG II pIllVidotl by !hill Owns..
A=cloll<>n POQQy.
BOlT"""" ~h811 g;.o I1lndGr PI001 MIiC& DI 1I/lY Ilrpse ill roquiI'eIl "",.an! lMurantq QOV8l'aflO
pnwidsd by l/18 meste. o. lrl4rlf<oI policy.
In lIle ....,1 01 " dlslribullon 0/ hozenl lIlSIJl'llnOQ proeQOds in lieU al lIlS1llradon or rep/Olr
fol1oWlng ~ Itl$ \0 1118 P~I ell' 10 CQIMlon llfeBG and f8o:i1ili.. C11he PUD. any plOCG\llla payable
'" BotTO'\'''. "'0 ho.eby llSSignod anti shall be pllkllo Lender. Lendor GhRII .PPI>' lh. pl'OQl~ la tl1a
~_ "'CU~d by thO Secun1l.' l"strUmaRI, w~n ~ elWllS8 pakllO a_.
C. PlItlJIa Uet>lllq I.......~.' tIl>rrgwor shalllako SUch eCllons as may bo ",_abID \0
Insure 1M! tho OWnoTB ~l/Dn ,mail'ltlllM a pubUe IilobUily insurance pgllcy acC8ptemo III 10rm
.amClUlll. llI10 _lor OOVer.>S8'lO !.clnd... I
IIllI.11Kl'Att PUD ~LDI1R . ~ _,~" ..n.... U_dIo .... lIJl1R)AU INa'l'l'lUUSfl'
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D. CaademRa.don. The prt)CGeH at an~ award Of Claim lor damag~. dlfect or ccwaqumdial.
payOlll Ig 80nalNt In c:anncJCtiOrl, .ittI anr oondamnatlan Of OUHIr liking of lID. Of an)' pel'!: of It\I:
Prapany or 'tho cammon &real end - racilitllJ& of tho PUg, or lor any COIMl)'e.nce In Jiolol of
cmd8mn82iOn, 8l'8 he_ ~d end ahaI be paid ID Lendflr. Such p~.atmII bit 8ptllil!ld by
t..andu Ia 1ha'sum. HMQd by tho SOClJIQ:y Instrument 8l!II pl\Wided in Uniform ~ 10.
Eo l.eriar'. PrIaI' CanRr4. eonowvr shall rw:A. ~ BftBr ~ to L8ndor Itnd wjih
t..ondOf'a f)r\or:wrta:en consent, ellhet partiticm Of subd'Mdo me. PfaIIGIIY CII' e:onsem to:.
(I) : m ~9M or f8ml1nd:n vf thlil PUD, PQOpt lor abandonmant Ql' IInnllle.don
requinld br ~ lI'I the CBSI!I uf~1 ~n by lImpl O1hercestml\.yol' In the CIllO 01& tBkInJiI
by conlfemnataon 01' sminont domain; .
(II) ; any amllncbnent IQ Bn'.t ~ of the "'Co"~"t Documenl&- if thO provision ~ tgr
CM ...n benOGt of LonGor;
(iii)' termirtaUon of protnssianlll l'nenagern&nt snd assumPtIOn 01 8CItr-msnagrmGnt at tho
Oll(MrB Alsaclllionior
(Iv) 1ft)'8CIaItwutjCfl1fQUldhllVOtht)etfeQCl1'renUerirllillhepublloItabllltyNuranl:6
COVOIUIIO ~ed by thu OYIhlra Association unQOCUpral:lle to lendlit'.
F.. 'R~ n Bonowet'doeG not Pll.1 PUD dun ana ONQSSmenlG whon dlJel ll'mn Lendet
may pat' tMm. My 8mountll dimuI'$QO by lRndet under thit par89l'Bph F shall booom6 Il;ddltlcmsl
debt of 80tT0WW socurod by tl1e Securitr "uumonL UnleI5Ii BOITOwer and Lsndar agltlO to other
terft'II. or "aysnRnt, tha!le amQlUlt $haII bo8r lntunr&t ft'Qft'l she dale of Glsbuf$Omonl: at tbD Note WCl lU'Id
$hall be payable. with 1n18~ upon no1/Qe;~ I..On_ 19 Bom>Ner rCIqueWng pAymOhl
6Y SIGNING ~BELOW. 8orm-er $et:apU. ~ igmn to !he wms end provl6lOM 'conllinlld in IhI:& PlJO
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APPIlNDIX A
Pate, uuly 03, 2001
ACT 91 NOUCE
TAKE ACTION TO SAVIll YOUR. HOME rROK 1i'0RBCLOSURB
Tbis is an official notics tbat tbe ~o~tRaRe on yo~~ home is in default.
aM tbe. lend,,:., intendEl to fo~eclos... Specific infoJ:'1llll.tion about I:.b..
natu~s of the default is providsd in tbe attached p'ages.
The HOMBO'illlBR'S HCRTGAGE ASSISTANCE l'ROGIUH (HBMAPI _y be able to help
1:.0 Elava your hOI\lB. Tbil' notice explains how tbe progrlUll works.
To Sae i,f HEllAP can help. you must MEET WITH A CONallMER CREIlIT COtlNSELING
AGENCy WX'I'llIN 30. DAYS Oli' THE DATE Oli' TRIS NOTICE. Take this Notice with
you when you meet with the Counsel:Lng Agency.
Tba name, address and phone number of Conau:me~ Cr..dit Counseling Agencies
se~ngYour C~unty ara 1iEltad at th~ end of this Notice, If you
have any questions, you may call the PeansYlvan:La'HOus:LnR Finane.. Aqancy
toll free at 1",800-342-2397. (Persons with impaired hea~!n9' can call
call (7171 78D-1869).
'1'h..1' Notice contains i1mcrtant legal :Lnfomation. If you have any I
CNea:r.:l.oll.~~~eplr..se.n\:llti'!l:"'1' at tbe ConaUllle~, cnd!;t' Counseling Agency
_,,"be ,able tobelp expl..:Ln :Lt. You may alae waft\: to cont..",t an
attO#D..~ in you~ a~ea. The local bar assoc:l.ation may be able to hel~
vau find a lawv..~.
LA NOTU'ICACION EN AIlJlJNTO ES DE S1lHA IMPORTANCJ:A, PlJES Ai'ECTA SU
DERBCHO A CONTINl1A1l VJ:VJ:ENIlO IIIlf SU ClISA. SJ: NO COIG'REIlDE EL CONTllND:iO
IlE EIITA NOTJ:FICACJ:OIII' OBTBIII'GA tnrA TIIA!lt1CCJ:OIII' INMEIlITAMEN'rE LLAMANDO
ESTA AGlolCJ:A (PENNSYloVANIA HOt/SING Ii'INANCE AGIINCY) SIN CARGOII AI.
lII'llMJlll,o MBNC:rONADO ARRIBA. PtlEDES SER ELBGJ:BLE PARA llN PRBSTA1iIO POR El.
l'ROGRAXa. lot.AXADO "ROMEOWNER'S BKIIRGBNCY HORTGAGJ: ASSISTANCE PROGIUH"
EL caAt. I'URDB SALVAR SU CASA DE LA PERDJ:DA DEL DERBCHO A REDIMIR
SU HIPOTBCA.
HOMEOWNER'S NAME(S), Tracy pavid Fostar
PROPERTY AnDRESS'
1775 K:LngEl Arms Court
New C~erland FA 17070
LOAN ACCT. NO.:
359744-0
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HuntlD.lan
Mort,...
Company
OIU:G1INAI. LENDER.
ctJRlUliNT LENtlBR/SERVICER: HuntinQ'ton Uortcracre Company
HOMEOWNER'S iKBRGENCY MORTGAGB ASSISTANCE PROGRAM
YOU~Y~E ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FOREc:.OSlIRE ANI) HELP YOU HAXE FlJT1l1l,E MORTGAGE PAYMENTS.
IF YOUCOHPLY WIrH THE PROVISIONS 01' rHE HOKSO~'S EMERGENCY MORTGAGE
ASSISTANCB ACT OF 1983 (THE "ACT"). YOU MAY BE ELIGIBLE FOR EHERGENCY
MORTGAGE ASSISTANCE.
IF yom< 1l2FAut.T HAS B2EN CAUSEl) IIY CU.cmIS'rANCES
B2YONU YOUR CONTROL,
IF YOU' HAVE A,REAsoNABLE PII.OSPECT OF BEING ABLE TO PAY
. YOllR MORTGAQS PAYMENTS, ANI)
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS 2STASLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPoRARY STAY OF FORECLOSURE -- onder ehe Act, you are entitled to a
temporaiy ~tay of fOreclosu~e on your mortgage for thirty (30) days
from the date of this Notice. During that time you muse arrange and
attend a DfacR-to-face" ",eeting with one of ehe conS1lm8r credit
counseling agencies li~ted at the end of this Notice. THIS MEETING
,KtlSir OCllllR HiED1:NTH1il NllXT rHIRTY (30) DAYS. IF YOU DO NUT APPLY 1'011.
2H2RQEH'iclI'MDIi'!!ClAIaB ASSISTANCE, YOU WsT DRING YOUR KORTC3AC3E lI1' TO DATE.
rHE PART OF THIS 'NOTICE CALLED DHOW TO C'llR1! YOlll! MOII.TGAGlE DEFAULT".
EXPLAINS HOlf TO BII.ING YODR 1II0ll.TGAGE UP TO DATE.
CONS,llMERCREDIT, COtJNSSLING AGENCIES -- :tf you _et. with one of the
Consumer credit counseling agencies listed at the end of this notice. the
lender may NO~ take action against you for thirty (30) days aftsr the
dats of this meeting. ~hs names. addresses and telephone numbers of
desi~ated consumer crsdit counselinq agencies for the coun~ in which
t.he p~ope~t.y i. lQcacsd are set. forth at ths end of this Notics. It is
only nec"ssary eo schedule one face-to-face meeting. Advise your lsnder
immsdiatelv of your intentions.
APPLICATION rOR MORTGAGE ASS:tSTANCE -- Your mortgage is in dsfault for
ths reasons set forth latsr in this Notice (see following pages for
spac!tic information about the nature of your default). If you havs
t.ried and are unable to ~e~olve ehis probl-. with the lender, you have
the right to apply for financial assist-sncB from the Homeowner's
Emergency Mortgage Assistance Progr~. '1'0 do eo, you must fill out.
XC074/DLS/359744-0
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H,untln8t.n
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Campany
sign and file a completed Homeowner's Emergency Aseietance Program
Applica~ion with one of the deeignated cons~r credit counseling
agencie<s listed at the end of thie Notice. Only coneumer credit
counseling agencies have applications for the program and they will
assist you in submitting s complets application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOll MUST FJ:LE YO'!R APPLJ:CATION PROMPTLY. IF YOll FAIL '1'0 DO SO OR
J:F YOll DO NOT FOLLOW 7HE OTHER 'lIMB PERIODS SET PORTH IN THIS LETTER,
i'ORECLOSURE MAY PROCEED AGAINST YOtIR 1t0lC2 IliIMEIlIATELY AND YOtlR
APPLICATION FOR MORTGAGE ASSISTANCIii WILL BE DENIED.
AGlllNCY ACTION .. Available funds for emergency mortgage assistance are
very limited. They will be dishur$ed by the ~ency under the eligibility
oriteria established by the Act. The Pennsylvania Housing Finance
Agency has si~ty (60) days to make a ~ecision after it receives your
applicaeion. During that time, no foreclosure prooeedings will be
pursued against you if you have met ehe e'ime requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance
Agency of its decision on your appliCation.
NOTE. IF YOtl ARB C1J1UIEN'l'LY PROTECTIiiD BY THE FILING OF A PETU'ION IN
BANlOUJPTCY, 7HE i'OLLOWING PART OF THIS NOTICE IS FOR INFOIlMATJ:ON
PtlRPOSESOm,y Aml SHOULD NOT BE CONSIDERED AS AN ATTEKl'T TO COLLECT
THE DEBT.
(If you have filed bankruptcy you can atill apply for Eme~gency
Mortgage Aeaiatance.)
HOW TO CURE YOUR MORTGAGE DEFAULT IBring it up to date) .
NATtlRE Of THIii DEFAtlLT - - The MORTGAGE debt held by the above lender on
your properey located at. 1775 ICings Az:ma Court
New ~erland PA 17070
J:S SERIOllSLY IN DEFAtlLT becauae.
You RAVE NOT klIDlli MONTHLY MORTGAGE PAYMENTS for the _nth of
i'ebruary 01, 2001 or any proceading month and the following
amounts are now past due.
Monthly inatallmenta TOTALING.
Accumulated late charges of;
Accumulated NSi' check fees of.
Property inapection and other fees of.
TO'1'AL AMOllN'1' l'AST D11B.
$
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$
$
5,142.44
438.04
9a.79
19.70
5,698.97
XC075/DLS/359744-0
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Hllntl__.ton
Mart._.1
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B. YOO SAVE FA~LED TO TAKE THE FOLLOW~NG ACT~ON:
NOT APPLICABLE
HOW TO cri1u: THE DEI'AULor -- You may cure the default within THIRTY (30)
DAYS of the date of th!s not!ce BY PAYING THE TOT~ ~O~ PAST DUE TO
THlil LIiNIlBR. WH~CH III $ 5.598.97. PLUS ANY MORTGAGE PAYJIEN'l'S AND z.ATE
CHARGBS WIUCH DEcoa DUE DtlRI!IlG 'l'KE THIRTY (30) DAY PERIOD. l1aYlll8nt"
must be made e!the~ by casb. casbisr's check. certified check or money
order m5de ~avabla and sant to;
The Huntington Mortgage Company
Attent!on: Collections HM3124
7575 Huntington pa~k D~iva
Columbus, OH 43235-5618
You can eu~e any other default by taking the following action within
THIRTY (30) DAYS of the date of this lette~;
IF YOU VO NOT CORE THE DEFAULT -- If you do not cu~e the default within
THIRTY (30) DAYS of the date of thia Notice, the lender intanda to
&xereise its ~iqhts to aceele~ata the ~rtgage debt. Thia means that
the enti~e outstanding balance of this dsht will he conside~ed due
~ediately and you may lose the chance to pay the mortgage in monthly
instal~nta. If full payment of tbe total amount past due is not made
within ~HIRTY (30) DAYS, the lender also intends to inet~uot its
attorneys to start legal action to foreclose upon your mortgaged
p'roperty.
Iii' THE IIi!ORTGME IS 1'0RIIlCLOSEIl UPON -- The mo~tgaged property will he
sold by the Sberiff to payoff tbe mortgage 4ebt. If the lander refers
your ca.e to ita attorneys. but you cure the delinquency before tbe
lende~ begins legal proceedings against you, you will still be re~ired
to pay the reasonable attorney's fees that were actually ineurrad, up
to $50.00. However. if legal proeee4ings are sta~ted against you, you
will have to pay all ~aasonable attorney'S fees actually incurred hy
the lendar even if they exceed $50.00. Any attorney's fees will he added
to the amount you owe the lender. wbich may, also include other reasonabls
coate. If YOU cure the default ~itbin the THIRTY (30) IlAY period. you
will not: be 1:'8qu1red to I)ay attcrney's feelS'.
OTHERLSKDBR RBIIEDIBS .- The lander may also eue you personally for the
unpaid principal halance and all other sums due under the mortgage.
RIGHT TO CURS TH2 DEFAULT PRIOR TO SHERIFF'S SALB -- If you have not
cured tbe default witbin the THIRTY (30) OAY period and foreclosure
proceedings have begun, you atill have the riqht to cure ths default
XC076/0LS/359744-0
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GREGORY JAVARDlAN, ESOUl RE
NO, 682
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VERlFICA TlON
The undersigned hereby states that the statements made in the foregoing
pleading are tJ:Ue and correct to the best of hisJher knowledge, information and belief. The
undersigned understands that the statements therein are made subject to t!J,e penalties of 18
Pa.C.s. Section 4904, l'tllating to UlISwom falsification to authorities,
Sokol
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2001-05919 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
RESIDENTIAL FUNDING
VS
FOSTER TRACY DAVID
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
FOSTER TRACY DAVID
but was unable to locate Him
in his bailiwick, He therefore
deputized the sheriff of YORK
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
**1775 KINGS ARM COURT NEW CUMBERLAND IS VACANT.
On November 5th, 2001 , this office was in receipt of the
attached return from YORK
Sheriff's Costs:
Docketing
Out of County
Surcharge
Mileage
Dep York Co
18.00
9.00
10.00
11.70
32.42
81.12
11/05/2001
GREGORY JAVARDIAN
S~
R. h~mas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this :8'~ day of7?~UA./
dH/ A.D.
~a~,~
Prothonotary
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COUNTY OF YORK
OFFICE OF THE SHERIFF
SERVICE CALL
(717) 771-9601
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28 EAST MARKET ST., YORK, PA 17401
SHERIFF SERVICE
PROCESS RECEIPT and AFFIDAVIT OF RETURN
1. PLAINTIFFJS/
2, COURT NUMBER
01-5919 civil
Residential funding 4, TYPE OF WRIT OR COMP\J\INT
3, DEFENDANT/S! Notice & Ccmplaint in
Tracy David Foster Mortgage Foreclosure
SERVE { 5, NAME OF INDMDUAL, COMPANY, CORPORATION, ETC, TO SERVE OR DESCRIPTION OF PROPERTY TO BE LEVIED, ATTACHED, OR SOLD,
....... Tracy David Foster
..".. 6. ADDRESS (STREET Oft RFO WITH BOX NUMBER, APT. NO., CITY, BORa, TWP., STATE AND ZIP CODE)
AT 6510 Old Carlisle Road Dover, PA 17315-2110
7,INDICATESERVICE: o PERSONAL o PERSON IN CHARGE XJi!DEPUTIZE Cuffi~~'r~L 01STC\J\SSMAILOPOSlED
NOW October 23, ,20~I,SHERIFFOF~COUN~;;:;bYde . .
YOrk COUNTY to execute ' ur
to law, This deputization being made at the request and risk of the plaintiff,
SHERIFF OF_ COUNTY
Cumberland
o OTHER
e sheriff of
rding
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE:
ADVANCE FEE PAID BYA TTY
NOTE: ONLY APPLICABLE ON WRIT OF EXECUl'ION: N.B. WAIVER OF WATCHMAN - Any deputy sheriff levying uP9ffor attaching any property under within writ may leave same
without a watchman, in custody of whomev.er ,is fou.nt1 in possession, after notifying person of levy or attachment, without liability on the part of such deputy or the sheriff to any plaintiff
herein for any loss, destruction, or removal ahoy Pl"bperty before sheriffs sale thereof.
9, TY~~~Mli:l'[t\i?Rl!!irQ?RIGINATORandSIGNATURE 10, TELEPHONE NUMBER 11,DATEFILED
44 SECOND STREET PIKE, STE. 101, SOUTHAMPTON, PA 18966 (215) 942-9690 10/12/01
12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mailed).
CUMBERLAND COUNTY SHERIFF
16,
17,
18,
,
SEE REMARKS BELOW
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42. dayo! OCTOBER
45, DA~ .'
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47, DATE
No..."..I!>",,1
James V, VenQrtIl8n" Ngl@ry I'YbllO
City of Yqr\<; Y"r~ g\'lunt~, I"A
10-30-01
49. DATE
50. lACK
OF AUTHORIZED ISSUINGAUTHOR!n'AijD TITLE
51. DATE RECEIVED
1. WHITE - Issuing Authority _ 2. PINK. Attorney - 3,. CANARY. Sheriff's OffICe 4. -aLUE - Sheriff's Office
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LAW OFFICES OF GREGORY JA V ARDIAN i
By: GREGORY JA V ARDIAN, ESQUIRE
IDENTIFICATION NO, 55669
1310 Industrial Boulevard
1st Floor, SuitelDl
SOUTHAMPTON, PA 18966
(215) 942-9690
RESIDENTIAL FUNDING
7575 HUNTINGTON PARK DRIVE,
HM 3122
COLUMBUS, OR 43235
COURTOFCO~ONPLEAS
CUMBERLAND COUNTY
No.: 01-5919 CIVIL
vs.
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER,PA 17315-2110
PRAECIPE FOR JUDGMENT FOR FAILURE TO
ANSWER AND ASSESSMENT OF DAMAGES
TOTREPROTRONOTARY:
Kindly enter judgment in favor of the Plaintiff and against TRACY DAVID FOSTER,
Defendant(s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service
thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as
follows:
As Set forth in Complaint
Interest
9/15/01 to 1/2/02
$93,281.53
1,964.18
TOTAL
$95,245.71
I hereby certify that (1) the addresses of the Plaintiff and Defendant( s) are as
shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached.
J V ARDIAN, ESQUIRE
laintiff
Damages are hereby assessed as indicated.
DATE: '-)~ J.f :J. I')I')~
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RESIDENTIAL FUNDING
Plaintiff
In The Court of Common Pleas
v.
Cumberland County
TRACY DAVID FOSTER
Defendants
No. 01-5919 CIVIL
TO: TRACY DAVID FOSTER
1775 KINGS ARM COURT
NEW CUMBERLAND, PA 17070
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
DATE OF NOTICE: 12/3/01
NOTICE, RULE 237.1
IMPORTANT NOTICE
You are in default because you have failed to enter a written appearance personally or by
attorney and file in writing with the court your d~fenses or objections to the claims se
forth against you. Unless you act within ten (10) days from the date of this notice, a
judgment may be entered against you without a hearing and you may lose your property
or other important rights. You should take this nptice to a lawyer at once. If you do not
have a lawyer or cannot afford one, go to or telephone the following office to find out
where you can get legal help.
Cumberland Bar Asso . tion
Lawyer Reference e
2 Liberty Ave ue -;;r
Carlisle, P A 17 tI
(717) 249-31
Gregory Javardian, Esquire
1310 Industrial Boulevard
1 st Foor, Suite 101
Southampton, PA 18966
(215) 942-9690
Attorney for Plaintiff
Usted se encuentra en estado de rebeldia por no haber tornado la accion requiida de su
parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de
esta notificacion, el tribunal podra, sin necesidad de compararecer usted en corte 0
escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros
derechos importantes. Debe llevar esta notificacion a un abogado immediatemente si
usted no tiene abogado, 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0
llame por telpfono a la oficina, cuya direccion se encuentra escrita abajo para averiguar
donde se puede conseguir assistencia legal.
"NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
THIS IS AN ATTEMPT TO COllECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE"
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LAW OFFICES OF GREGORY JA V ARDIAN
By: GREGORY JA V ARDIAN, ESQUIRE
IDENTIFICATION NO, 55669
1310 Industrial Boulevard
1st Floor, SuitelOl
SOUTHAMPTON, PA 18966
(215) 942-9690
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
VERIFICATION OF NON-MILITARY SERVICE
GREGORY JA V ARDIAN, ESQUIRE, hereby verifies that he is attorney for the
Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of
the following facts, to wit:
(a) Defendant(s), TRACY DAVID FOSTER, is/are not in the Military or Naval
Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and
Sailors' Civil Relief Act of Congress of 1940, as amended.
(b) Defendant, TRACY DAVID FOSTER, is over 18 years of age, and resides at
6510 OLD CARLISLE ROAD, DOVER, PA 17315-2110.
(c) Plaintiff, RESIDENTIAL FUNDING, is an institution conducing business
under the Laws of the Commonwealth of Pennsylvania with an address of7575 HUNTINGTON
PARKDRNE, HM 3122, COLUMBUS, OH 43235.
This statement is made subject to the penalties of 18 Pa. C.S. Section 4904
relating to unsworn falsification to authorities.
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RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
SUPPLEMENTAL AFFIDAVIT PURSUANT TO RULE 3129.1
Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was
filed the following information concerning the real property located at 1775 KINGS ARMS COURT,
NEW CUMBERLAND, PA 17070:
3. Name and last known address of every judgment creditor whose judgment is a record lien on the real
property to be sold:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Lowell Latshaw, in his individual capacity
and as Attorney-in-Fact for Helen H, Latshaw
8 Tree Top Place
Black Mountain, NC 28711
Lowell Latshaw, in his individual capacity
and as Attorney-in-Fact for Helen H. Latshaw
c/o Brenda L. Gacki, Esquire
210 Walnut Street
P.O. Box 11963
Harrisburg, PA 17108-1963
4, Name and address of last recorded holder of every mortgage of record:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
5. Name and address of every other person who has any record lien on the property:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None,
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6. Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale.
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Hunters Ridge Homeowners Association
P,O. Box 454
New Cumberland, PA 17070
7, Name and address of every other person of whom the plaintiff has knowledge who has any interest in
the property which may be affected by the sale:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
I verify that the statements made in this affidavit are true and correct to the best of my
knowledge, information and belief. I understand that false statements herein are subject to the penalties
of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authoriti s.
March 6, 2002
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LAW OFFICES OF GREGORY JA V ARDIAN
By. GREGORY JA V ARDIAN, ESQUIRE
IDENTIFICATION NO. 55669
1310 INDUSTRIAL BOULEVARD
1ST FLOOR, SUITE 101
SOU1HAMPTON, PA 18966
(215) 942-9690
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1
I hereby certifY that I have sent copies of the Notice of SherifI Sale to the Defendants'
certified and regular United States mail and all lien holders or judgment creditors of record as
required by Pa.RC.P. by first class United States mail, postage prepaid, on the date set forth below.
(See attached Exhibit "A").
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
TRACY DA VlD FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17013-3387
American Lending Group, Inc.
19642 Club House Road
Gaithersburg, MD 20879
Dept. of Public Assistance
33 Westminster Drive, P.O. Box 599
Carlisle,PA 17013-0599
Spouse of Tracy David Foster
6510 Old Carlisle Road
Dover, PA 17315-2110
Tenants/Occupants
1775 KINGS ARMS COURT
NEW CUMBERLAND, P A 17070
Spouse of Tracy David Foster
1775 Kings Arms Court
New Cumberland, P A 17070
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Hunter's Ridge Homeowners' Association
122 Market Street, P.O, Box 1457
Harrisburg, P A 17105
Hunters Ridge Homeowners Association
P.O. Box 454
New Cumberland, PA 17070
Lowell Latshaw, in his individual capacity
and as Attomey-in-Fact for Helen H. Latshaw
8 Tree Top Place
Black Mountain, NC 28711
Lowell Latshaw, in his individual capacity
and as Attorney-in-Fact for Helen H. Latshaw
c/o Brenda L. Gacki, Esquire
210 Walnut Street
P,O. Box 11963
Harrisburg, P A 17108-1963
Dated: 1/d--yfJI ~/rJ/
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GREG<V'JA V ARD , ESQUIRE
Attorney for Plaintiff
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January 11, 2002
NOTICE OF SHERIFF'S SALE
OF REAL PROPERTY
OWNER(S):
PLAINTIFF/SELLER:
ALL PARTIES IN INTEREST AND CLAIMANTS
TRACY DAVID FOSTER
TO:
RESIDENTIAL FUNDING
DEFENDANT(S):
PROPERTY:
TRACY DAVID FOSTER
CUMBERLAND C.C.P. NO.
1775 KINGS ARMS COURT
NEW CUMBERLAND, PA 17070
01-5919 CIVIL
The above captioned property is scheduled to be sold at Sheriffs Sale on JUNE 5. 2002 at
10:00 A.M, in the Cumberland County Courthouse, I Courthouse Square, Carlisle, PA 17013. You
may hold a judgment on the property, which may be extinguished by the sale. You may wish to
attend the Sheriff's Sale to protect your interest.
A schedule of distn"bution will be filed by the Sheriff on a date specified by the Sheriff not
later than 3() days after sale. Distribution will be made in accordance with the schedule unless
exceptions are filed thereto within 10 days after the filing of the schedule.
Lt- I.
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ory Ja uire
Law Offices of Gregory Javardian
1310 Industrial Boulevard
1st Floor, Suite 101
Southampton, P A 18966
(215) 942-9690
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COMMONWEALTH OF PENNSYLV ANlA
COUNTY OF CUMBERLAND
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
PRAECIPE FOR WRIT OF EXECUTION
MORTGAGE FORECLOSURE
TO THE PROTHONOTARY:
Kindly issue Writ of Execution in the above matter.
Amount Due
$95,245.71
Interest from 1/2/02 to Date of Sale
@$15.65 per diem
Subtotal
(Costs to be added)
$
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ALL THAT CERT AlN lot or parcel ofland situate in Lower Allen Township, Cumberland
County, Commonwealth of Pennsylvania, more particularly bounded and descn"bed as follows, to
wit:
BEGINNING at a point, said point being the following six courses and distances from Perimeter
Coordinate 7 as shown on the As-Built Plan referenced herein: (1) by a curve to the right baving
a radius of256.48 feet an arc distance of359.96 feet to a point at the intersection of Capitol
View Drive and the center line of Kings Anus Court; (2) along the centerline of Kings Anus
Court aforementioned North 45 degrees 21 minutes 15 seconds East a distance of 36.0 feet; (3)
North 69 degrees 21 minutes, 15 seconds East a distance of208.0 feet; (4) North 32 degrees 21
minutes 15 seconds East a distance of 15.68 feet; (5) South 57 degrees 38 minutes 45 seconds
East a distance of83.0 feet; (6) North"32 degrees 21 minutes 15 seconds East a distance of 48.0
feet to a point on the dividing line between Lot 82 and Lot 83, said point being the point and
place of BEGINNING; thence continuing along the said dividing line and passing through the
centerline of a partywall dividing Unit 82 and Unit 83 and beyond North 57 degrees 38 minutes
45 seconds West a distance of30.0 feet to a point; thence North 32 degrees 21 minutes 15
seconds East a distance of22.0 feet to a point on the dividing line between Lot 83 and Lot 84;
thence conintuing along the said dividing line and passing through the centerline of a partywall
dividing Unit 83 and Unit 84 South 57 degrees 38 minutes 45 seconds East a distance of32.0
feet to a point; thence South 32 degrees 21 minutes 15 seconds West a distance of22.0 feet to a
point; thence North 57 degrees 38 minutes 45 seconds West a distimce of2.0 feetto the point
and place ofBEGINNING.
BEING Lot No. 83 as shown on the Amended Final Plan of Hunter's Ridge recorded in Plan
Book 58, Page 62, and as more particularly descn"bed on As-Built Plan of Section II, Hunter's .
Ridge, dated May 1, 1990, as recorded in Plan Book 60, Page 88.
BEING known and numbered as 1775 Kings Anus Court.
PARCEL NO. 13-25-0008-253.
BEING the same premises which Judith L. Mercer, single person, by Deed dated February 28,
1997 and recorded in the Cumberland County Recorder of Deeds Office in Book 153, Page
1117, granted and conveyed unto Tracy David Foster, married person.
UNDER AND SUBJECT, nevertheless, to easements, restrictions and other matters, if any, of
record and which an inspection of the premises would disclose including (i) the Amended Final
Plan for the planned residential development of Hunter's Ridge, recorded in Plan Book 58, page
62; (ii) the Declaration of Covenants, Conditions, Restrictions, and Easements for Hunter's
Ridge recorded in Miscellaneous Book 365, Page 372 (the "Declaration"); and (ill) any
amendments or modifications to the furegoing thereafter made in accordance with the provisions
of the Declaration.
TOGETHER WITH the right to use any Limited Common Area appurtenant to the Lot being
conve~ed herein pursuant to the Declaration, the Amended Final Plan for Hunter's Ridge, the
As-Built Plan referenced herein, and the Declaration of Assignment of Limited Common Areas
for Hunder's Ridge dated May 10,1 990, and recorded in Miscellaneous Book 380, Page 519.
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RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
AFFIDAVIT PURSUANT TO RULE 3129.1
PlaintifIin the above action sets forth as of the date the Praecipe for the Writ of Execution
was filed the following information concerning the real property located at 1775 KINGS ARMS
COURT. NEW CUMBERLAND. P A 17070:
1. Name and address ofOwner(s) or reputed Owner(s):
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
2. Name and address ofDefendant(s) in the judgment:
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
3. Name and last known address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
4. Name and address oflast recorded holder of every mortgage of record:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Plaintiff.
American Lending Group, Inc.
19642 Club House Road
Gaithersburg, MD 20879
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5. Name and address of every other person who has any record lien on the property:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
6. Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale.
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, P A 17013-3387
Dept. ofpublic Assistance
33 Westminster Drive, P.O. Box 599
Carlisle, PA 17013-0599
Hunter's Ridge Homeowners' Association
122 Market Street, P.O. Box 1457
Harrisburg,PA 17105
7. Name and address of every other person of whom the pJaintiffhas knowledge who has any
interest in the property which may be affected by the sale:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
T enants/Occupants
1775 KINGS ARMS COURT
NEW CUMBERLAND, P A 17070
Spouse of Tracy David Foster
1775 Kings Arms Court
New Cumberland, P A 17070
Spouse of Tracy David Foster
6510 Old Carlisle Road
Dover, PA 17315-2110
I verifY that the statements made in this affidavit are true and correct to the best of my
knowledge, information and belief. I understand that false statements herein are subject to the
penalties of 18 Pa. C.S.A. 4904 relating to unsworn fulsification to authorities.
January 11, 2002
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LAW OFFICES OF GREGORY JA V ARDIAN
By: GREGORY JAVARDIAN, ESQUIRE
IDENTIFICATION NO. 55669
1310 INDUSTRIAL BOULEVARD
1ST FLOOR, SUITE 101
SOUTHAMPTON, PA 18966
(2 I 5) 942-9690
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
CERTIFICATION TO SHERIFF OF CUMBERLAND COUNTY
AS TO THE SALE OF REAL ESTATE
1 hereby certifY that I am the attomey for the Plaintiff in this Mortgage Foreclosure Action
and further certifY this Property is:
0 FHA
() Tenant Occupied
() Vacant
() Commercial
0 As a result of Complaint in Assumpsit
(X) Act 91 complied with
ARDIAN, ESQUIRE
o laintiff
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LAW OFFICES OF GREGORY JA VARDIAN
By: GREGORY JA V ARDIAN, ESQUIRE
IDENTIFlCATIONNO.55669
1310 INDUSTRIAL BOULEVARD
1ST FLOOR, StnTE 101
SOUTHAMPTON, PA 18966
(215) 942-9690
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRAey DAVID FOSTER
No.: 01-5919 eIVIL
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
Your house (real estate) at 1775 KINGS ARMS COURT. NEW CUMBERLAND. P A
17070. is scheduled to be sold at Sheriffs Sale on JUNE 5. 2002 at 10:00 A.M., in the Cumberland
County Courthouse, 1 Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of
$95,245.71, obtained by RESIDENTIAL FUNDING, against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT TIllS SHERIFF'S SALE
To prevent this Sheriff's Sale, you must take immediate action:
L The sale will be cancelled if you pay to the mortgagee the back payments, late charges,
costs and reasonable attomey's fees due. To find out how much you must pay, you may call: (215)
942-9690.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale
for good cause.
3. You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice on page two on how to obtain an attorney.)
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YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. lfthe Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (215) 942-9690.
2. Yau may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff. This schedule will state
who will be receiving that money. The money will be paid out in accordance with this schedule
unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within
ten (10) days.
7 . You may also have other rights and defenses, or ways of getting your home back, if you
act innnediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY A VENUE
CARLISLE, PA 17013
TELEPHONE: (717) 249-3166
(800) 990-9108
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ALL THAT CERTAIN lot or parcel ofland situate in Lower Allen Township, Cumberland
County, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to
wit:
BEGINNING at a point, said point being the following six courses and distances from Perimeter
Coordinate 7 as shown on the As-Buih Plan referenced herein: (1) by a curve to the right having
a radius of256.48 feet an arc distance of359.96 feet to a point at the intersection of Capitol
View Drive and the center line of Kings Arms Court; (2) along the centerline of Kings Arms
Court aforementioned North 45 degrees 21 minutes 15 seconds East a distance of36.0 feet; (3)
North 69 degrees 21 minutes, 15 seconds East a distance of208.0 feet; (4) North 32 degrees 21
minutes 15 seconds East a distance of 15.68 feet; (5) South 57 degrees 38 minutes 45 seconds
East a distance of83.0 feet; (6) North 32 degrees 21 minutes 15 seconds East a distance of 48.0
feet to a point on the dividing line between Lot 82 and Lot 83, said point being the point and
place of BEGINNING; thence continuing along the said dividing line and passing through the
centerline of a partywall dividing Unit 82 and Unit 83 and beyond North 57 degrees 38 minutes
45 seconds West a distance of30.0 feet to a point; thence North 32 degrees 21 minutes 15
seconds East a distance of22.0 feet to a point on the dividing line between Lot 83 and Lot 84;
thence conintuing along the said dividing line and passing through the centerline of a partywall
dividing Unit 83 and Unit 84 South 57 degrees 38 minutes 45 seconds East a distance of32.0
feet to a point; thence South 32 degrees 21 minutes 15 seconds West a distance of22.0 feet to a
point; thence North 57 degrees 38 minutes 45 seconds West a distance of2.0 feet to the point
and place of BEGINNING.
BEING Lot No. 83 as shown on the Amended Final Plan of Hunter's Ridge recorded in Plan
Book 58, Page 62, and as more particularly descn"bed on As-Built Plan of Section II, Hunter's
Ridge, dated May 1, 1990, as recorded in Plan Book 60, Page 88.
BEING known and numbered as 1775 Kings Arms Court.
PARCEL NO. 13-25-0008-253.
BEING the same premises which Judith L. Mercer, single person, by Deed dated February 28,
1997 and recorded in the Cumberland County Recorder of Deeds Office in Book 153, Page
1117, granted and conveyed unto Tracy David Foster, married person.
UNDER AND SUBJECT, nevertheless, to easements, restrictions and other matters, if any, of
record and which an inspection of the premises would disclose including (i) the Amended Final
Plan fur the planned residential development of Hunter's Ridge, recorded in Plan Book 58, page
62; (iI) the Declaration of Covenants, Conditions, Restrictions, and Easements for Hunter's
Ridge recorded in Miscellaneous Book 365, Page 372 (the "Declaration"); and (ill) any
amendments or modifications to the furegoing thereafter made in accordance with the provisions
of the Declaration.
TOGETHER WIm the right to use any Limited Common Area appurtenant to the Lot being
conveyed herein pursuant to the Declaration, the Amended Final Plan for Hunter's Ridge, the
As-Built Plan referenced herein, and the Declaration of Assignment of Limited Common Areas
fur Hunder's Ridge dated May 10,1 990, and recorded in Miscellaneous Book 380, Page 519.
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COMMONWEALTH OF PENNSYLV ANlA
COUNTY OF CUMBERLAND } SS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriffs Deed in which Residential Funding Corp is the grantee the same having been sold to said
grantee on the 5th day of June A.D., 2002, under and by virtue of a writ Execution issued on the 16th
day ofJan, A.D., 2002, out of the Court of Common Pleas of said County as of Civil Term, 01 Number
5919, at the suit of Residential funding against Tracv Dvid Foster is duly recorded in Sheriffs Deed
Book No. 252, Page 3725.
IN TESTIMONY WHEREOF, I have hereunto set my hand
and seal of said office this I P-~ay orH-' A.D. 20~'t..
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Residential Funding
VS
Tracy David Foster
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2001-5919 Civil Term
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he
made a diligent search and inquiry for the within named defendant, to wit: Tracy David
Foster, but was unable to locate him in his bailiwick. He therefore deputized the sheriff
ofY ork County, Pennsylvania to serve the within Real Estate Writ, Notice and
Description according to law.
YORK COUNTY RETURN: Served defendant Tracy David Foster on February
13,2002 at 2:30 o'clock PM, EST, by making known unto Tracy David Foster personally
at The York County Sheriff s Office, 28 East Market Street, York, P A 17401 the contents
of the Real Estate Sale Notice and Description and at the same time handing to him
personally the said true and attested copy of the same. So answers: James V. Vangreen,
acting sheriff for William M. Hose.
YORK COUNTY RETURN: Served defendant Tracy David Foster on April 9,
2002 at 9: 15 o'clock AM, EDST, by making known unto Tracy David Foster personally
at The York County Sheriff s Office, 28 East Market Street, York, P A 17401 the contents
of the Real Estate Writ of Execution and at the same time handing to him personally the
said true and attested copy of the same. So answers: James V. Vangreen, acting sheriff
for William M. Hose.
Valerie Weary, Deputy Sheriff, who being dilly sworn according to law, states
that on April 4, 2002 at 2:52 o'clock P.M., E.S.T., she posted a true copy of the within
Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the
property of Tracy David Foster located at 1775 Kimgs Arms Court, New Cumberland,
Pennsylvania, according to law.
R- Thomas Kline, Sheriff, who being duly sworn according to law says he served
the above Real Estate Writ, Notice, Poster and Description in the following manner: The
Sheriff mailed a notice of the pendency of the action to one of the within named
defendants to wit: Tracy David Foster, by regular mail to his last known address of6510
Old Carlisle Road, Dover, PA 17315-2120. This letter was mailed under the date of
April 04, 2002 and never returned to the Sheriffs Office.
R- Thomas Kline, Sheriff, who being duly sworn according to law, says that after
due and legal notice had been given according to law, exposed the within described
premises at public venue or outcry at the Court House, Carlisle, Cumberland County,
Pennsylvania, on June 5' 2002 at 10:00 o'clock A.M. He sold the same for the sum of
$50,000.00 to Attorney Gregory Javardian for Residential Funding Corp. It being the
highest bid and best price received for the same, Residential Funding Corp. of 7575
Huntington Park Drive, Columbus, OH 43235, being the buyer in this execution paid
SheriffR. Thomas Kline, the sum of$2,388.07.
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Sheriffs Costs:
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
Prothonotary
Service
Certified Mail
Levy
Surcharge
Out of County
Legal Search
Law Journal
Patriot News
Share of Bills
Distribution of
Proceeds
Sheriff s Deed
$30.00
1000,00
15.00
15.00
30.00
10.00
.50
1.00
11. 73
1.79
15,00
20,00
9.00
200.00
544.40
404.95
25,20
25.00
29.50
$2388.07 paid by attorney
07/05/02
Sworn and subscribed to before me So ~w1JP: ?~
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This .oW t:aay of O"~'Hf r ~ " '
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2002, AD, LJ Q. "'tl1,pe,,,,AfJtzr
Pot onotary BY 00 \.kf::h
Real Esta~puty
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WRIT OF EXECUTION'and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 01-5919 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF Cumberland COUNTY:
1'0 satisfy the debt, interest and costs due RESIDENTIAL FUNDING PLANTIFF(S)
From TRACY DAVID FOSTER, 6510 OLD CARLISLE ROAD, DOVER, PA 17315-2110
(I) You are directed to levy upon the property ofthe defendant(s) and to sell SEE LEGAL
DESCRlPTION
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a
garnishee and is enjoined as above stated,
AmountDue $95,245.71
Interest FROM 1/2/02 TO DATE OF SALE
@ $15,65 PER DIEM
L.L. $,50
Atty's Comm %
AttyPaid $153,12
Plaintiffpaid
Due Prothy $1.00
Other Costs
Date: JANUARY 16,2002
CURTIS R. LONG
Prothonotary, Civil Division
REQUESTING PARTY:
Name GREGORY JA V ARDIAN, ESQ.
Address: 1310 INDUSTRIAL BOULEVARD
1ST FLOOR, SUITE 101
SOUTHAMPTON, PA 18966
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Attorney for: PLAINTIFF
Telephone: 215-942-9690
Supreme Court ID No, 55669
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:REAl ESTATE SALE No. /0
On February 7, 2002, the sherifflevied upon the
defendant's interest in the real property situated in
Lower Allen Township, Cumberland County, P A,
known and numbered as 1775 Kimgs Arms Court, New
Cumberland, and more fully described on Exhibit "A" filed
with this writ and by this reference incorporated herein.
Date: February 7, 2002
By: .Jo~ Jvv0.R
Real Estate Deputy
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SCHEDULE OF DISTRIBUTION
SALE NO. 16
Date Filed: July 5, 2002
Writ No. 2001-5919 Civil Term
Residential Funding
VS
Tracy David Foster
1775 Kings Arms Court
New Cumberland, P A 17070
Sale Date:
Buyer:
Bid Price:
June 5, 2002
Residential Funding Corp.
$50,000,00
Real Debt:
Interest:
Attorney Costs:
$95,245.71
2,410.10
153.12
Total:
$97,808,93
DISTRIBUTION
Receipts:
Cash on account (2/07/02):
Cash on account (5/24/02):
Cash on account (6/12/02):
Credit Writ:
Total Receipts:
Disbursements:
To Sheriffs Costs:
To Legal Search:
Credit Writ:
Total Disbursement:
Balance for Distribution:
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R. Thomas Kline. Sheriff
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$1,000.00
500.00
888.07
47.611.93
$2,188.07
200.00
47,611.93
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($50,000.00)
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TITLE REPORT
THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING
ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY
EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED.
SHERIFF SALE NO. 16
Held Wednesday, June 5,2002
Date: June 5, 2002
TAXES: Receipts for all taxes for the years 1999 to 2001 inclusive. Taxes for the current year
2002.
WATER RENT:
SEWER RENT
Company assumes no liability for private supply of water or sewer.
Receipts to be produced if services are lienable.
MECHANICS' AND Possible unfiled Mechanics Liens and Municipal Claims.
MUNICIPAL CLAIMS
MORTGAGES: Listed Under Other Exceptions Below.
JUDGMENTS: Listed Under Other Exceptions Below.
INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to
dated ,2002, and recorded
,2002, in Cumberland County Deed Book , Page
RECITAL: BEING the same premises which Judith L. Mercer by deed dated February 28, 1997
and recorded March 4,1997, in the Office of the Recorder of Deeds in and for Cumberland County
at Carlisle, Pennsylvania, in Deed Book 153, Page 1117, granted and conveyed to Tracy David
Foster, married person.
OTHER EXCEPTIONS:
I. The identity and legal competency of parties at the closing of this title should be
established to the satisfaction of the closing attorney acting for this Company.
2. Rights or claims of parties in possession, if any, other than the owner,
3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area
and encroachments which an accurate and complete survey would disclose.
4.
5.
premises.
Payment of State and local Real Estate Transfer Taxes, if required.
Rights in party walls which form a portion of the boundary line for the subject
6. Building conditions and easements as shown on or set forth on the Plan for
Hunter's Ridge recorded in Plan Book 58, Page 62.
7. Building and use restrictions as set forth in the Declaration of Covenants,
Conditions, Restrictions and Easements for Hunter's Ridge recorded in Miscellaneous Record
Book 365, Page 372.
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8. Mortgage in the amount of $87,970.00 given by Tracy David Foster to the
Huntington Mortgage Company dated February 28,1997 recorded March 4,1997 in the Office of
the Recorder of Deeds in Mortgage Book 1367, Page 114. Assigned to Residential Funding
Corporation by assignments of mortgage recorded in Miscellaneous Record Book 561 , Page 51
and Miscellaneous Record Book 641, Page 129.
Complaint in mortgage foreclosure filed by Residential Funding Corporation as Plaintiff
against Tracy David Foster as Defendant on October 12,2001 in the Office of the Prothonotary of
Cumberland County to File No. 2001-5919. Default judgment entered January 4, 2002 in the
amount of $95 ,245 .71.
9. Mortgage in the amount of $35,000.00 given by Tracy David Foster to American
Lending Group Inc. dated August 22,1997 recorded August 29,1997 in Mortgage Book 1402,
Page 438.
10. Complaint filed by Lowell Latshaw and Helen H. Latshaw as Plaintiffs against
Tracy David Foster as Defendant in the Office of the Prothonotary of Cumberland County to file
No. 2000-1231. Default judgment in the amount of $6,706.39 entered April 25, 2000.
11. Subject to Declaration of Assignment of Limited Common Areas recorded in
Miscellaneous Record Book 380, Page 519.
12. Rights granted to American Water Company by instrument recorded in
Miscellaneous Record Book 367, Page 174.
13. Rights granted to Pennsylvania American Water Company by instrument recorded
in Miscellaneous Record Book 367, Page 764.
14. Rights granted to Pennsylvania Power and Light Company and Bell Telephone
Company of Pennsylvania by instrument recorded in Miscellaneous Record Book 370, Page 535.
15. Rights granted to Sammons Communications of Pennsylvania, Inc. by instrument
recorded in Miscellaneous Record Book 370, Page 671.
16. Satisfactory evidence to be produced that proper notice was given to the holders of
all liens and encumbrances intended to be divested by subject Sheriff Sale.
18. Real estate taxes accruing on and after July 1,2002 not yet due and payable,
It is to be noted that no search of Domestic Relations Records has been made to
determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any
search been made for environmental liens in Federal District Court.
A~
Robert G. Frey, Agent
Note: This Title Report shall not be valid or binding
until countersigned by an authorized signatory.
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REM,.ItSTATESALI!: NO. 16
Writ No. 2001-5919 CMl
Residential Funding
vs.
Tracy David Foster
Atty.: . Gregazy Javardiful
ALL TIfAT CERTAlN lot 'or par-
cel of land situate in Lower Allen
Townshlp, Cumberifuld County. Com-
monwealth of Pennsylvania, more
particularly bounded and described
as follows, to wit: '
BEGINNING at a point. sa1~ point
being the folloWing six cours~ and
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CUMBERLAND LAW JOURNAL
distances from Perimeter Coordinate
7 as shown on the As-Built Plan ref-
erenced herein: (1) by a curve to
the right having a radius of 256.48
feet an arc disifulce of 359.96 feet
to a point at the intersection of Capi-
tol View Drive and the center ltoe
of Kings Arms CoiJrt; (2) along the
centerline of Kiifgs Arms Court
aforementioned No!lli 45 degrees 21
minutes 15 secon~~t a distance-
of 36.0 feet; (3) ljprt 69 degrees
21 minutes, 15 s"4"n East a dis-
tance of 208.0 f""t; ) North 32
degrees 21 mimw.es .15 seconds
East a distance oM 15.68 feet; (5)
South 57 degree~ 38 minutes 45
seconds East a distance of 83.0
feet; (6) North 32
degrees 21 minutes 15 seconds
East a distance of 48.0 feet to a
point on the dividing !lne between
Lot 82 and Lot 83. said point being
the point and place of BEGINNING;
thence continuing along the said
dividing line and passing through
the centerline of a partywall divid-
ing Unit 82 and Unit 83 and be-
yond North 57 degrees 38 minutes
45 seconds West a disifulce of 30,0
feet to a point; thence North 32 de-
grees 21 minutes 15 seconds East
a distance of 22.0 feet to a potnt on
the dividing line between Lot 83 and ,
Lot 84; thence conintuing along the
said dividing line and passing,
through the centerline of a partywaII
dividing Unit 83 and Unit 84 South
57 degrees 38 n1inutes 45 seconds
East a distanJ::e of 3'2.0 feet to a
point: thence 'South 32 degrees.,21
minutes 15 seconds West a distance
of 22.0 feet to a poiIit: thence North
57 degrees 38 minutes 45 seconds
West a distance of 2.0 feet to the
point and place of BEGINNING.
BEING Lot No. 83 as shown on
the Amended Final Plan of Hrmter's
Ridge recorded in Plan Book 58,
Page 62, and as more particularly
,
described on As-Built Plan of Sec-
tion n, Hunter's Ridge, dated May
I, 1990, as recorded in Plan Book
60, Page 88.
BEING known and numbered as
1775 Kings Arms Court.
PARCEL NO. 13-25-0008-253.
BEING the same premises which
Judith L, Mercer, single. person, by
Deed dated February 28, 1997 and
recorded in the Cumberland County
Recorder of Deeds Office in Book
153, Page 1117.' granted and con-
veyed unto Tracy David Foster, mar-
ried person.
UNDER AND SUBJECT, never-
theless, to easements, restrictions
and other matters, if any, of record
and which an inspection of the prem-
ises would disclose including (1) the
Amended Flnal Plan for the planned
residential development of Hunter's
'Ridge, recorded In Plan. !'look 58.
page 62; (ll) the Declaration of Co v-
enants, Conditions, Restrictions,
and Easements for Hunter's Ridge
recorded in MisG:ell.aneous Book
365. Page 372 (the "Declaration");
and (ill) any amendments or modifi-
cations to the foregoing thereafter
made in accordance with the provi-
sions of the Declaration.
TOGETHER WITH the right to
use any Limited Common Area ap-
purtenant to the Lot being conveyed
herein pursuant to the Declaration,
the Amended Final Plan for Hunter's
Ridge. the As-Bullt Plan referenced
herein, and the Declaration of As-
signment of Limited 'Common Areas
for Hunder's Ridge dated May 10.
1990 and recorded in Miscellaneous
Book 380, Page 519,
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RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
AFFIDAVIT PURSUANT TO RULE 3129.1
Plaintiff in the above action sets forth as ofthe date the Praecipe for the Writ of Execution
was filed the following infurmation concerning the real property located at 1775 KINGS ARMS
COURT. NEW CUMBERLAND. P A 17070:
1. Name and address ofOwner(s) or reputed Owner(s):
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
2. Name and address ofDefendant(s) in the judgment:
TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
3. Name and last known address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
4. Name and address oflast recorded holder of every mortgage of record:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Plaintiff.
American Lending Group, Inc.
19642 Club House Road
Gaithersburg, MD 20879
,
5. Name and address of every other person who has any record lien on the property:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
None.
6. Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale.
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17013-3387
Dept of Public Assistance
33 Westminster Drive, P.O. Box 599
Carlisle, PA 17013-0599
Hunter's Ridge Homeowners' Association
122 Market Street, P.O. Box 1457
Harrisburg, PA 17105
7. Name and address of every other person of whom the p1aintiffhas knowledge who has any
interest in the property which may be affected by the sale:
Name
Last Known Address (if address cannot be
reasonably ascertained, please indicate)
Tenants/Occupants
1775 KINGS ARMS COURT
NEW CUMBERLAND, P A 17070
Spouse of Tracy David Foster
1775 Kings Arms Court
New Cumberland, P A 17070
6510 Old Carlisle Road
Dover, PA 17315-2110
Spouse of Tracy David Foster
I verify that the statements made in this affidavit are true and correct to the best of my
knowledge, information and belief. I understand that fulse statements herein are subject to the
penalties of 18 Pa. C.SA 4904 relating to unsworn fuJsification to authorities.
G
A
ARDIAN, ESQUIRE
. tiff
January II, 2002
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LAW OFFICES OF GREGORY JA YARDIAN
By: GREGORY JAY ARDIAN, ESQUIRE
IDENTIFICATION NO, 55669
1310 INDUSTRIAL BOULEY ARD
1ST FLOOR, SUITE 101
SOUTHAMPTON, PA 18966
(215) 942-9690
RESIDENTIAL FUNDING
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
TRACY DAVID FOSTER
No.: 01-5919 CIVIL
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: TRACY DAVID FOSTER
6510 OLD CARLISLE ROAD
DOVER, PA 17315-2110
Your house (real estate) at 1775 KINGS ARMS COURT. NEW CUMBERLAND. PA
17070. is scheduled to be sold at Sheriffs Sale on JUNE 5. 2002 at 10:00 AM., in the Cumberland
County Courthouse, 1 Courthouse Square, Carlisle, P A 17013, to enforce the court judgment of
$95,245.71, obtained by RESIDENTIAL FUNDING, against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT TillS SHERIFF'S SALE
To prevent this Sheriff's Sale, you must take immediate aetioD:
l The sale will be cancelled if you pay to the mortgagee the back payments, late charges,
costs and reasonable attorney's fees due. To find out how much you must pay, you may call: ~
942-9690.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale
for good cause.
3. You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice on page two on how to obtain an attorney.)
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YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sherifi's Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (215) 942-9690.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property,
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690.
4. If the amount due from the Buyer is not paid to the Sherift: you will remain the owner of
the property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to
evict you,
6. You may be entitled to a share of the money which was paid for your house. A schedwe
of distrIbution of the money bid for your house will be filed by the Sheriff. This schedwe will state
who will be receiving that money. The money will be paid out in accordance with this schedule
unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within
ten (10) days,
7 . You may also have other rights and defenses, or ways of getting your home back, if you
act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LmERTY AVENUE
CARLISLE, PA 17013
TELEPHONE: (717) 249-3166
(800) 990-9108
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ALL THAT CERTAIN lot or parcel ofJand situate in Lower Allen Township, Cumberland
County, Commonwealth of Pennsylvania, more particu1arly bounded and described as follows, to
wit:
BEGINNING at a point, said point being the following six courses and distances from Perimeter
Coordinate 7 as shown on the As-Built Plan referenced herein: (1) by a curve to the right having
a radius of256.48 feet an arc distance of359.% feet to a point at the intersection of Capitol
View Drive and the center line of Kings Arms Court; (2) along the centerline of Kings Arms
Court aforementioned North 45 degrees 21 minutes 15 seconds East a distance of36.0 feet; (3)
North 69 degrees 21 minutes, 15 seconds East a distance of208.0 feet; (4) North 32 degrees 21
minutes 15 seconds East a distance of 15.68 feet; (5) South 57 degrees 38 minutes 45 seconds
East a distance of83.0 feet; (6) North 32 degrees 21 minutes 15 seconds East a distance of 48.0
feet to a point on the dividing line between Lot 82 and Lot 83, said point being the point and
place of BEGINNING; thence continuing along the said dividing line and passing through the
centerline of a partywa1l dividing Unit 82 and Unit 83 and beyond North 57 degrees 38 minutes
45 seconds West a distance of30.0 feet to a point; thence North 32 degrees 21 minutes 15
seconds East a distance of22.0 feet to a point on the dividing line between Lot 83 and Lot 84;
thence conintuing along the said dividing line and passing through the centerline of a partywa1l
dividing Unit 83 and Unit 84 South 57 degrees 38 minutes 45 seconds East a distance of32.0
feet to a point; thence South 32 degrees 21 minutes 15 seconds West a distance of22.0 feet to a
point; thence North 57 degrees 38 minutes 45 seconds West a distance of2.0 feet to the point
and place of BEGINNING.
BEING Lot No. 83 as shown on the Amended Final Plan of Hunter's Ridge recorded in Plan
Book 58, Page 62, and as more particu1arly descnbed on As-Built Plan of Section II, Hunter's
Ridge, dated May 1, 1990, as recorded in Plan Book 60, Page 88.
BEING known and numbered as 1775 Kings Arms Court.
PARCEL NO. 13-25-0008-253.
BEING the same premises which Judith L. Mercer, single person, by Deed dated February 28,
1997 and recorded in the Cumberland County Recorder of Deeds Office in Book 153, Page
1117, granted and conveyed unto Tracy David Foster, manied person.
UNDER AND SUBJECT, nevertheless, to easements, restrictions and other matters, if any, of
record and which an inspection of the premises wou1d disclose including (i) the Amended Final
Plan for the planned residential development of Hunter's Ridge, recorded in Plan Book 58, page
62; (ii) the Declaration of Covenants, Conditions, Restrictions, and Easements for Hunter's
Ridge recorded in Miscellaneous Book 365, Page 372 (the "Declaration"); and (ill) any
amendments or modifications to the foregoing thereafter made in accordance with the provisions
of the Declaration.
TOGETHER WITH the right to use any Limited Common Area appurtenant to the Lot being
conveyed herein pursuant to the Declaration, the Amended Final Plan for Hunter's Ridge, the
As-Built Plan referenced herein, and the Declaration of Assignment of Limited Common Areas
for Hunder's Ridge dated May 10,1 990, and recorded in Miscellaneous Book 380, Page 519.
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PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
STATE OF PENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. Morgenthal, Esquire, Editor ofthe Cumberland Law Journal, of the County
and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
VIZ:
APRIL 26, MAY 3,10,2002
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements' time, plac" and c~aracter of publication are true.
!
Roger M. Morgenthal, Editor
SWORN TO AND SUBSCRIBED before me this
10 day of MAY. 2002
,
NOTARIAL
LOIS E.~~~PubI1c
CarlIsle Boro, ..............N County
My CommIs8Ion Expires Mard15. 2005
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M& ESTATE SALE NO, 16
Writ No. 2001-5919 Civil
Residential Funding
vs.
Tracy David Foster
Atty.: Gregory Javardian
ALL THAT CERTAIN lot or par-
cel of land situate in Lower Allen
Town~h1p. Cwnberland County. Com-
monwealth of Pennsylvania. more
particula....y bounded and described
as follows. to wit:
BEGINNING at a point said point
being the following six courses and
distances from Perimeter Coordinate
7 as shown on the As-BuUt Plan ref-
erenced herein: (1) by a curve to
the right having a radius of 256.48
feet an arc distance of 359.96 feet
to a point at the intersection of Cap i-
to1 View Drive and the center line
of Kings Arms Court; (2) along the
centerline of Kings Arms Court
aforementioned North 45 degrees 21
minutes 15 seconds East a distance
of 36.0 feet; (3) North 69 degrees
21 minutes. 15 seconds East a dis-
tance of 208.0 feet; (4) North 32
degrees 21 minutes 15 seconds
East a distance of 15.68 feet; (5)
South 57 degrees 38 minutes 45
seconds East a distance of 83.0
feet; (6) North 32
degrees 21 minutes 15 seconds
East a distance of 48.0 feet to a
point on the dividing line between
Lot 82 and Lot 83. said point being
the point and place of BEGINNING;
thence continuing along the said
dividing line and passing through
the centerline of a partywall divid-
ing UnlL82 and Unit 83 and be-
yond North 57 degrees 38 minutes
45 seconds West a distance of 30.0
feet fK> a point; thence North 32 de-
grees 21 minutes 15 seconds East
a distance of 22.0 feet to a point on
the dividing line betw'een Lot 83 and
Lot 84; thence conintuing along the
said dividing line and passing
through the centerline of a partywall
dividing Unit 83 and Unit 84 South
57 degrees _38 PJinutes 45 seconds
East 'a distance of 32,0 feet to a
point; thence South 32 degrees 21
minutes 15 seconds 'West a distance
of 22.0 feet to a point; thence North
57 degrees 38 minutes 45 seconds
West a distance of 2.0 feet to the
point and place of BEGINNING.
BEING Lot No. 83 as shown on
the 1 'lended Fma! man of Hunter's
Ridg':.'rec<>r<ied llil !r!Ian lIIoo[i: 58.
Page 62. and as $l~te pa<ticularly
descrtbed on As-Built Plan of Sec-
tion II. Hunter's Ridge. dated May
1. 1990, as recorded in Plan Book
60. Page 88.
BEING known and numbered as
1775 Kings Arms Court.
PARCEL NO, 13-25-0008-253,
BEING the same premises which
Judith L. Mercer, single person, by
Deed dated February 28. 1997 and
recorded in the Cumberland County
Recorder' - of Deeds Office in Book
153. Page 1117. granted and con-
veyed unto Tracy David Foster, mar-
ried person.
UNDER AND SUBJECT, never-
theless, to easements, restrictions
and other matters, if any, of record
and which an inspection of the prem-
ises would disclose including (i} the
Amended Final Plan for the planned
residential development of Hunter's
Ridge, recorded in Plan Book 58,
page 62; (iI) the Declaration of Cov-
enants, Conditions, Restrictions,
and Easements for Hunter's Ridge
recorded -in Miscellaneous Book
365. Page 372 (the "Declaration");
and (ill) any amendments or modifi-
cations to the foregoing thereafter
made in accordance with the provi-
sions of the Declaration.
TOGETHER WITH the right to
use any Umited Common Area ap-
purtenant to the Lot being conveyed
herein pursuant to the Declaration.
the Amended Final Plan for Hunter's
Ridge, the As-Built Plan referenced
herein. and the Declaration of As-
signment of Urnited Common Areas
for Hunder's Ridge dated May 10.
1990 and rec.orded in Miscellaneous
Book 380. Page 519.
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THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
UnderAct No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Frank J. Epler being duly sworn according to law, deposes and says:
That he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the
Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the
City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The
Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the
City, County and State aforesaid: that The Patriot-News and The Sunday Patriot-News were established March 4th,
1854, and September 18th, 1949, respectively, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in
their regular daily and/or Sunday/ Metro editions which appeared on the 23rd and 30th day(s) of April 2002 and the
7th day(s) of May 2002. That neither he nor said Company is interested in the subject matter of said printed notice
or advertising, and that all of the allegations of this statement as to the time, place and character of publication are
true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
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adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in
the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317.
PUBLICATION
COPY
S ALE #16
Notarial Soal
Torry L. Russoll. NatoI)' Pu.bllc
Harrisburg, DauphlnCou~ty N TARY PUBLIC
MyCommlsslon Expires June S, 2002 My commission expires June 6, 2002
Member, Penn.ylVanla Assooiationol Notarios
CUMBERLAND COUN1Y SHERIFFS OFFICE
CUMBERLAND COUN1Y COURTHOUSE
CARLISLE, PA, 17013
.
Statement of Advertising Costs
To THE PATRIOT-NEWS CO., DL
For publishing the notice or publication attached
hereto on the above stated dates $
Probating same Notary Fee(s) $
Total $
403.20
1.75
404.95
Publisher's Receipt for Advertising Cost
The Patriot News Co" publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid.
By........""............,."...........",...............,..........
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':e."'::R~ESTA'tEs~lEtio.i6
~, WritNo.2001.5919
.~_---~_~.~t;lvJI!~rm .
~_. _ ,_Re.ldentlalFundlng
v.
-- -- ----~--:.rraCy David Faster
. _ Aj<:y: Gregory Javardlan
D~GRII'l)(.i'J
,'~THbt~TA[NJ9torparcel of land situate
, -in _Lower ~en -to'\ynship, ~m1irl~ Couiity,
j!ommonwcl!.1th pf Pennsylvania, more
, _.particularly bounded and describea as follows, to
wit: -',
. :BEGI&"NMG=<!tJl point, said point being the
-following, sjjf courses and distances from
Perimeter Coordinate 7 as shown on the As-Built
Ylan.reference.d..h_c_t:eJn: (l))y a_curye to the right _
)Iavmg a radius of 25&.48 "feet an arc Oistance of 0
,...:-j59.95 feet to _a pOloCal tlielnte.iSe~'ffQhqfc:apjtol _
,.::-Y!ew--;:Q,rive and.the ~Jl~~r.llne or.~ngs Arms
, :Coll!t; (2) along the centerline or Kings Arms
Court aforementioned Noi1fi: 45 degrees 21
~,,1lf1fiuteSb seconds~t a distance-or-36.0 feet;
- (3) North 69 deire~s- 21_m.inutes, lJ'Second8 East
a distance of 208.0 feet; (4) North 32 degrees 21
minutes 15secondsEastadistan~Qf15.68 feet;
(5) South 57 degrees 38 minutes 45 seconds East
a distance of 83.0 feet; (6) North 32 degrees 21
-nilililtes15 seconds East a_distance of 48.0 feet to
a point on the dividing line between Lot 82 and
J.Qt_81;-said1>Olfit being the point and place of
_ BEG.I!SNINQi. t)e"nc~ ~ntin~ng ~on.g the said
dividing line and passing througfi the centerline of -
_a_ partywall.dividing Unit 82 and Unit 83 and
beyond_N.ottb_5V1~18Jnin!ltes 45 seconds
, "West a dis~s;e ~ 30.0 feet to a point; thence
~orth 32 det rees 21 minutes 15 seconds East a
mS'tance- cif22:<fJe.c:ffu a point on the dividing line
between Lot,S3 and__Lot 84; thimce continuing
: ~al~ng the saiS; div~dl!1g line and passing through
thec.enterline ofapartywalI dividing Unit 83 and
Unit '84 South 57-degrees 38 minutes 45 secilnw.
East a di~tanr~ of 32.0 fe~t to a point; thence
, J)outh_.32_d_e~es 21 minutes 15 seConds West a
~:.:distance of 2_1;.:0 feet to a pornt; thence-North 5-1 "
~ .:degrees 38 rr::n:utes 45 seconds West a distance of
,.-:~.![kenct~it}tat)dp!at?e_9fBEQIN~ING.
, -BEING Lot No. t;l as shown on the Amended
_.final Plan of HU,t>jer's Ridge recorded in Plan
.:_Boo~ 58,. ~ 62,~,an_~"as more particularly
_described on As-fiuilt Plllll of Section II. Hunter's
Ridge, dated May I, 1990., as recorded in Plan
Book 60, Page 88.
BEING known and numbered as 1775 Kings
_Arms Court.
PARCEL NO, 13$(J()()8.251
BEING the same premises which Judith L. _.
Mercer, single pecr.on, by Deed dated February
.28, 1997 and recorded in the Cumberland County
Recorder of Deeds Offic_e in Book 153, Page
IIt7, granted and conveyed unto Tracy David
Foster, married person.
~~__ t\M>. .Spa.(EJ~T,..nevertheless --JQ_~
~me_nts, restQcl:iollS al!d. oilier mattern, tiDy._
~orte:cord and which an irlS.'pection of tl1e premises
L.Ww-,Ldis.,dQscJncludi!!g JI) the_ Amended Final
'!oi~an_"fQFaffi'Plan~Taentia1 developn,enCof ~
~Q1eJ;':a(ag~_~_~]f_-PMii113~'}; 5~,-w.:.8e_
~,QtL!!!~_~~o~-qoveV~,~2Ul!illons\>_
U-estnc!Jons,_am.: _Easements tor_ Hunter); Rl'Oge
recorded in Miscellaneous Book 365, Page 372
-=:'(t[e "Declaration'): and (ill) --any amendments or
modifications_ toJhc foregoing thereafter made in
accordance w;!,b the provisions of the Declaration.
TOG~ WITH the right to use any Limited
Conunon ",:ea appurtenant to the Lot being
conveyed herein pursuant to the Declaration, the
Amended Fimd Plan for Hunter's Ridge, the As-
Built Plan referenced herein, and the Declaration
of Assignment of Limited Conunon Areas for
Hunter's Ridge dated May to, 1990, and recorded
in Miscellaneous Book 380, ?dge 519.