HomeMy WebLinkAbout01-05966
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SHAFFER & SCERNI, L.L.C.
BY: MARTIN S, WEISBERG, ESQUIRE #51520
921 PLEASANT VALLEY AVENUE, 2ND FWOR
MOUNT LAUREL, NEW JERSEY 08054
(856)866-1166
FILE NO. 020380,5866
ATTORNEYSFORP~
LaSalle National Bank., as Trustee for
the registered holders of Salomon
Brothers Mortgage Securities VII,
Inc" Series 1997-HUD2
P laintifft s ),
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Civil Action - Mortgage Foreclosure
NO, 0 I - stl/...L.
C;o~l 'T~
V.
David J, Heller and Sandra L. Heller
Defendant(s)
COMPLAINT - CIVIL ACTION
NOTICE TO DEFEND
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
ate served, by entering a written appearance personally or by attorney and filing in writing with
the court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you by
the court without further notice for any money claimed in the complaint or for any other claim of
relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral and Information Service
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, P A I 70 13
Telephone: 717-240-6200
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A VISO
LE BAN DEMANDADO A USTED EN LA CORTE. Si usted qui ere defenderse de estas
demandas expuestas an las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la
fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita 0 en personal 0
con un abogado y entergar a la corte en forma escrita sus defensas 0 sus objecciones a las
demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara
medidas y puede continuar la demanda en contra suya sin perviso aviso 0 notificaccion, Ademas,
la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las
provisiones de esta demanda. Usted puede perder dinero 0 sus edades u otros derechos
importantes para usted,
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SINO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO VA Y A
EN PERSONA 0 LLAME POR TELFQNO A LA OFICINA CUY A DlRECCION SE
ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTANCIA LEGAL.
Lawyer Referral and Information Service
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PAl 7013
Telephone: 717-240-6200
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SHAFFER & SCERNI, L.L.C.
BY: MARTIN S. WEISBERG, ESQUIRE #51520
921 PLEASANT VALLEY AVENUE, 2ND FLOOR
MOUNT LAUREL, NEW JERSEY 08054
(856)866-1166
FILE NO. 020380.5866
ATIORNEYS FOR PLAINTIFF
LASALLE NATIONAL BANK, AS TRUSTEE
FOR THE REGISTERED HOLDERS OF
SALOMON BROTHERS MORTGAGE
SECURITIES VII, INC., SERIES 1997-lillD2
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Civil Action - Mortgage Foreclosure
VS.
NO. 01- S'91.~
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DAVID J. HELLER AND
SANDRA L. HELLER
Defendant( s)
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, LaSalle National Bank, as Trustee for the registered holders of Salomon Brothers Mortgage
Securities VII, mc., Series 1 997-lillD2, the address of which is c/o Wilshire Credit Corporation, P.O. Box
1630, Portland, OR 97207, brings this action in mortgage foreclosure upon the following causes of action:
1. Plaintiff, LaSalle National Bank, as Trustee for the registered holders of Salomon Brothers
Mortgage Securities VII, mc., Series 1997-lillD2 ("Plaintiff'), is a corporation with a principal place of
business at c/o Wilshire Credit Corporation, P.O. Box 1630, Portland, OR 97207.
2. The Defendant(s), David J. Heller and Sandra L. Heller are adult individuals residing at 1676
Douglas Dr., Carlisle, PA 17013. The Defendants are sometimes referred to herein collectively as
"Mortgagor" .
3. The Mortgagor secured a mortgage with Broadview Mortgage Company, on June 22, 1990
(the "Mortgage"), in the amount of $66,152.00, which Mortgage was recorded with the Recorder of Deeds
of Cumberland County on June 22, 1990 in Mortgage Book 981, Page 819. The Mortgage is a matter of
public record and is incorporated herein as provided by Pa. R.C.P. No. 10 19(9). A true and correct copy of
the Mortgage is attached hereto and marked as Exhibit" A" and is incorporated herein by reference as though
fully set forth at length.
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4. Broadview Mortgage Company assigned all right, title and interest in the Mortgage as
follows: Said Assignee, Broadview Mortgage Company assigned said mortgage to Yerke Mortgage Co. in
an assignment recorded on December 24, 1990, recorded in Book 391, Page 986 in said County and relative
to the mortgage subject to this foreclosure action. Said Assignee, Yerke Mortgage Co. assigned said
mortgage to The Secretary of Housing and Urban Development in an assignment recorded on October 7,
1992, recorded in Book 428, Page 526 in said County and relative to the mortgage subject to this foreclosure
action. Said Assignee, The Secretary of Housing and Urban Development assigned said mortgage to CS First
Boston Mortgage Capital Corp. in an assignment recorded on April 25, 1997, recorded in Book 545, Page
994 in said County and relative to the mortgage subject to this foreclosure action. Said Assignee, Credit
Suisse First Boston Mortgage Capital LLC slb/mlt CS First Boston Mortgage Capital Corp. assigned said
mortgage to Salomon Brothers Realty Corp. in an assignment recorded on December 16, 1997, recorded in
Book 564, Page 417 in said County and relative to the mortgage subject to this foreclosure action. Said
Assignee, Salomon Brothers Realty Corp. assigned said mortgage to LaSalle National Bank, as Trustee for
the registered holders of Salomon Brothers Mortgage Securities VII, mc., Series 1997-HUD2 in an
assignment recorded on June I, 1999, recorded in Book 614, Page 716 in said County and relative to the
mortgage subject to this foreclosure action.
5. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal
successor in interest to the original mortgagee, or is the present holder of the Mortgage by virtue of the
above-described assignments.
6. The Mortgagor named in paragraph 3 above executed a note as evidence of the debt secured
by the Mortgage (the "Note"). A true and correct copy of the Note is attached hereto and marked as Exhibit
"B" and is incorporated herein by reference as though fully set forth at length.
7. The real property which is subject to the Mortgage is generally known as 1676 Douglas Dr.,
Carlisle, P A 17013 (the "Mortgaged Premises"). The legal description ofthe Mortgaged Premises is attached
hereto and marked as Exhibit "c" and is incorporated herein by reference as though fully set forth at length.
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8. The interest of each individual Defendant is as Mortgagor, Real Owner or both.
9. If any Defendant above-named is deceased, this action shall proceed against the deceased
Defendant's heirs, assigns, successors, administrators, personal representatives and/or executors through
his&er estate,
10. The Mortgage is in default because the monthly payment of principal and interest and other
charges stated below, all as authorized by the Mortgage, are due as of May 1,2001 and have not been paid,
and upon failure to make such payments when due, the whole of the principal, together with the charges
specifically itemized below are immediately due and payable.
II. The following amounts are due as of September 20, 2001:
Principal of Mortgage debt due and unpaid:
$63,425.51
Interest due and owing as of 09/20/2001 at
10.5%%, $18.23 per diem:
$3,156.51
Late Charges of $24.20 per month assessed
on the 16th day after payment is due:
$167.69
Escrow
$15.00
Arrearage Account
$14,292.24
BPO
$95.00
Other charges
$321.89
Court costs
$3,171.28
$145.50
Attorney's fees
TOTAL
$84,790.62
12, Interest accrues at a per diem rate of $18.23 after September 20, 2001 and late charges
accrue at a monthly rate of $24.20 assessed on the 16th day payment is past due, and Plaintiff may incur
additional attorney's fees and costs as well as other expenses, costs and charges collectable under the Note
and Mortgage.
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13. The original principal balance of the Mortgage exceeded Fifty Thousand Dollars
($50,000.00). Therefore, Notice of Intention to Foreclose pursuant to 41 P.S. ~403 was not required.
14. Notice pursuant to the Homeowner's Emergency Mortgage Assistance Act of 1983,35 P.S.
~ 1608.402, et sea" was sent to each individual Mortgagor by first-class mail on August 29, 2001. A true and
correct copy of said notice is attached hereto and marked as Exhibit "D / E" and is incorporated herein by
reference as though fully set forth at length.
WHEREFORE, Plaintiff demands judgment against the Defendant(s), David J, Heller and Sandra
L. Heller, for foreclosure and sale of the Mortgaged Premises in the amounts due as set forth in paragraph
II, namely $84,790.62, plus the following amounts accruing after September 20, 2001, to the date of
judgment: (i) interest at a per diem rate of$18.23; (ii) late charges of $24.20 per month, assessed on the 16th
day paYment is past due; and (iii) additional attorney's fees hereafter incurred and costs of suit.
SHAFFER & SCERNI, L.L.c.
By:
Date: (0' '( . 0 (
UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF TillS
LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE
DEBT IS VALID. IF YOU NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE
DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30)
DA YS,WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR
IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO
COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
$:\rnat\PA Foreclosures\Heller-5866\complaint and notice.wpd
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VERIFICATION
The undersigned, attorney for the Plaintiff in the foregoing Complaint being authorized
to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the
foregoing Complaint are taken from records maintained by persons supervised by the
undersigned who maintains the business records of the Mortgage held by Plaintiff in the ordinary
course of business and that those facts are true and correct to the best of the knowledge,
information and belief ofthe undersigned.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENALTIES OF 18 PA.C.s. SECTION 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
DATE: otl-<t L 0 I
BY:
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8-28-01; ~:OOAM;Wl~SHIRE FINANCIAL
;8007766599
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. 90 JUN 22 Ai'. 11 5~
tSpaca Aw- Thb Un. FtI, RAcotdlng Data} 1__'"
il8ho of Pennaytvanla
MORTGAGE ,441.4143573,703
lHIS MORTGAGE ('Securitylnsrrumenr) ilgivenon JUNE 22 ,19 90
lIeMorl:gagoris DAVID J. HELLER and SANDRA l. HEllER) HUSBAND AND WIFE
.dtaI;eaddressis 2616 DOUGLAS DRIVE. CARLISLE, PA )]013
BROADVIEW MORTGAGE COMPANY
otidIisorganizedande)Clstlngunder1hellswsof ootO .ardwhose
:ddfllS6is 965 HUH- SnEET, C.OlUMBUS. Dlno 43085
rl..endef1. SorroweraMISL.endHtheprlndpalsumof
!SIID-SJX THOUSAND ONE HUNDRED FlFTY-lVO DOlLARS -.....----....--**-----....-:
,...-........................................*......**-....**~._~****.*~..**.....*...
. ("BotfOW8l1. This Sec:lI'Ily tnsuumenlls given 10
~(U.s.s 66152.00). Thf&debtlsswi:fencedbyBorrower"snOlDdaledIheS8ll\9daleas thlsSeariy
:"lSUtlm8nI ('Ncu1. wNth IJrOvidesfclfmc:nNypaymerts. wlblhelUl debt, lnotpa!d eaJlfet. duaandpayableOll
JULY I, 2020 ,_SecurllYlnstrumeol_IDLender.\8l..II.p.,...nt.........-
''t'ftbQ ~ wilhintel8Sl,Olr\d-al ~ &denSJcmand mcdK/CaIlDns; (b) the payment alaDaIhet sa.ms. wilhinlUBSI,
ldvancedunder~6topmrid..securftrofUisSecurity In:stIument;andfc) 1be.-m....~_..ced8arruwer"s(Xl'lleJl!W1
; mdagieenBltSWldetihls SecurllYrnstrumefll:en:lIIltNDle. forUlIspt.rpOS8, BoITowerd0e8 her8bymongage.grantand
:onv&yIDlsOO8ftbel~descffb(Klpropertylocaledfn
C.UMBERlAND Counly, Peansytvania:
lLL tut certa:la. pi'ce OJ: )NIreel qf land s1.t.uued la 'Horth K1441eCon 'I'crwnsblp~ euBb.dlla4 ;
':OUDCY. Penn~lvaIt1.!1 .-ore particularl, sh_ on a certa:lD pl_ eDtttlecl "Final Subd1v1sUin,
'llIn of Section 1; nee~ 2 of 3 Phe..8I'I~ Run !stUU for Ketlanco. Inc. Hvrtb. lIicldleton
:ovnship, CuBerl8Del CoUAty. penns)'lvania Scale: 1".50' AprU 9, 1915 Revised: Apr11 30.
.915 b7 GenU J. ~tz Assodate8. be.. Eocineers & Sune,oJ:$. 6 East Main St1:tlet.
)hiUlll8aatown. 'Peno:.ylvaata. which plan 15 fUed iD Pla. Book 29 at paCe 7 10. the Office
)f the Recorier 01 beed. for Cullberlaatl County. Said Lot is .ore pnticularly bounded and'
Jeseribed as follov.ra:
JiiGlmtINC: at a point Oft che welltern rlsbt-of-vay of Douglas 'Drive on the d1vid1nS line. of
;.01' '18 and Lot 111 3. shown 011 hereaftu mentioDed Plan; ~bence by ahresaid Lot line
ioutb 89 degrees 15 _inutes 10 lIeeotuls Vest 140.00 fut to a point on cbe easteL"ft line of
:.at '22 011 bereaftel: Ile:D!::ioaed plan. thace by .fO'l'tlsai.l lot: ltne Nortb 00 d88ree$ 44
i lllJ1Utes SO ucontls \fest 18.00 fee~ to . pol.c on cbe souehe-rn 11lle of tat 116 Oil hereattc'l'
'IeQtlond plaD; thew:. by aforesaid 11112 Bortb 89 4egreea 15 Il1Dutes 10 sll!conda East 140.0C]
; teet to a point Oft the veseern nght.of-vay 11m!: 01 Douglas Drive; thea.ee by aforesaid u.~ "
~tb 00 4eanes 44 Minute. :;0 atc:onda Eaae 111.00 feet to a poine ....inS rhll! plac-e ot BEC~I~,.
: JEIRG ..- preUses wick Seeven Pbillf.ps " Judith s. '.uti. h7 "eed of evea date graDtecl ~D~ :
:ocw.yed unto David ..I. 1Ie11er . Sanclra L. Reller. inten4ecl to be recorded simu.1tal'leomlly herewith
: vtIIchhBsthe8lldle$9Gf 1676 DOUGLAS DRIVE, CARLISLE ISlred.ClItJ.
1ennsy1vani1 17013 [ZlPcw.). ('PropertyAddress1:
TOGETHER wmfaDJbeln1prOW8fll8fllBR11WOIhet8il1IBTetBGted GRt1te ~,andalteuemenlS.//ghJ$..appunen;mc..
,WIt&. ruyaIdes. minet'al,Cllandga&rlgNsand ptDfIs. walerriglU 8Ad61ocksnllaUfilcluJesnawurhereaflera plUtullhe
wpeny. All ni:Pacemenll8ld addilions shall afso be CCM!n!d bylhls SeaulyInsUWnefll. All dlhefaegolng is reJerred 10 In
hisSltariylnstn.anenl:_Ihe"Properly.-
8ORAOWER COVEtWfJs UIld Boncweris Iawh.Gyseiled of Ihlt awe hereby c:or'IV8VtCI aR:It8s tnerighltomortgage.
pilfIIand convey the PfUPIlltty and IhalIhePropeltyis ~ E!lfC8pIforerv:mmrancesd record. BcrrowerwarranlS
ard will delen:l genemlty Ibe title 10 1118 Property agilifR;l all claims and damands. subjecl toany- efIClIRlbtances of I1lCCIrd
1, PayrNnl at PrindP81. InhnsI: and Latlll Charge. Borrower slIal paywhen due lhe principal of. and Wete$I en. Ihe debt
JYiclllnC8lJ by 1he NoIe and tale d:1arges due Inter Ihe NoIe.
2. M.onINyPaymenf8QfTaxes"ll'l&l.InInCeand OthorCbargm=. Bonower5hBB il\clooelneachmomhtypl)'l'neflbl. toge&her
:4b1b&,prindpatand ~as.seth:lrDJ.InJheNdeand anylaJe chiugelI;. an1nslaUmenl 01 any (a,) 1axeBa1d~assessi>>ellls
:MedorlObe:1eried agafn;tlhe Property. (b) Ieaaehdd payrrlfl:I4or 1Irourd renlsonthePtoperty. and (c) premiumsfor
nsunmce reqund by pilJ1lgmph ...
".ttd.f tHA~ftSJhrM..lIDlIPD.
.il 981 t>l{ 819
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&:act:. monthfy nai....b-,lfems . (b). and (q mllt8n~OfIlJ-IWIIIItltddIBannualamotmfB. s/easonablylJlSllmated
yLendel: llIu!!&anamGUnl ~denUo~talRanaddll~bl\lant9 of not IhOI'8lhanona-sbdhoflheestlma1ed ~
he-luIIilnf,U8J~fC!r'e8chitem 9halI baaccumulaied bvLurdlM' within. period ending onemcnthbetorean lemwoutd
eccmttdelinlJJenL l.ilrIdW.ilbaIl hokl theallKU1lScallected lntrusllOpB)'i1Bms (II). (b). and (c) before Ihey bec:cmederll\qlJltt
U iilta&'ly lime aMlotBI.ofthie,l)ilyrnents held by LenlItr for item& (aI. (b). and (c), togrdherwMJ theflAW8 monUdypaymen15
;Jl ~1t8ms ~tOL8Iidei'prklrlO,"'dUldalesdsuchn.eme. eXceed8by morBthanone-6bt1hlhe estimatedamounad
eYiMs,raquIied'tC:rPIN,~MmsllftBndWt.and'paymenlSOI'IIh8 NoteaJOcmenr.lhen Lendersmn eftherrefund1he
~;overone,,:sljil)h:i~~ paymerIS oraalltMexcessOWf:one-sixlholthe eslWled paymentstosubsequed
~t)r~.;.Ih&'O})tIont:lBDri'CM6r.Il1h8to18JoI1he peymentsmadBbyBonowel"fOl'I\em(a), (tIt.a(e:) Is
~,to ~Ydl8~lIentwtien dUe.Uten BoflQWershal paylolencleranyall'lOlllllnec:essarylO makeup\tledeliclellc:y 01'1 (If
BlartJlhedal.B'lhebml:aDnesdUll.
Asusedln tflisSecudly,I.,ucnenf. "Sectefary"mesns1ne SecmtaryofHCltJSlng.'" UtbaDDe .4.-.-._A 01 his 01 her
... MoSl'~'~lnsuredbJtlhe~arelnsuJ:ell tNerprogmmswhichrequltel'ld'vancepllymenl;c11he
1,*1dI"~geinair81'ic8 ~iJ:Cn.,:"thb Sec:tirltVlhSSnImenI isorWDSIlnsUrBI'lJl'lderaprogramwNc:hdld nDl recpm
~'paymeriI d_;~~lMumnc:epremlum. dllm eachmonlhly.-ymenl shaDalsolndudeellher: (i)8I1lnS18llment
(~!~,~~pie1'nlum'lobepelcfbylsnderIoIh8Secretaty.orfil8mon1h/vehlUge-InSleaddamottgage
~~i'.ihisJpity"~ishuldbytbeSecnnary. Eacf1cmonlhl,.lnstatImentdlhBmorIgageb\$Ul'ance
;~hIIbeln'an~~tO,~tha".ltrGI.mcrtgageinsuante.pl'8miumwllhl..erdel"onemonlb
riorlO \he' dal8Ih8f1il1'~ IftClllgage-rnsurance prQRium is duBio IheSKrelaty, or i1lh1s Secudly InslNmenl is h8td by 1he
.eaetaiy. ellCh mondlIVC:harge shaD balnanamounllDone-1WeIfth Of one--hitIfperariofh~pdnc:fpalbalance
tie on Ihe Hde.
II B~.....to......the lull ~af III 6tmS secured b,o thisSec:urilylmtnlment. BcrrtM8f'sac:count shd
.~edwflh1be~~fcJr,aDTnUanmenl:sIor ilems (a). ~.and (e) and'anymollQllge inslnnc8 pemlum
~thatl:$dar~iKi;b$:orneabDgallldto paylo'heSecretary.and~ shall PromImy relund My excesro funds 10
:orrower- fmm8dIaI8Iylifkil'isp8,Iofedo!Iunt..d Iha PropefIyorbsaccpjsbJonby Lehder. 8cn'OMr'saccount shilU be
redIed with""" tJalanCeiremaklli1gforaDlnsIdmef11:SfotilBmS (8). (b). and (e)-
3. AppIJc:sIJc:!iIaf~ AllpayrnentslRferpat8gtl1phstand2sha11beappliedbVl.enderasl'ollcMs:
.' ,',",' J,be ~"~',,,".' --,"", .: prwjumlObepaicl~Lenc:lefto1heSea\llalyortolh8rmnd'l1ychaJgebVlheSeceIatV
l#ihe~" .~, .'~ lrisUl8nCeprenrium.unlessBorn:lwetpaldllleenllr8mongageinst,Jlanc8pr&mJumwhenlhls
" ''It''m''P.as'~ .
'~tDany...lilJl8daI- ....._Ieasetd:Ip;rymentaugroulXfrents,anctfite.J1ooclardothel'"haZSl'dinsurance
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!l9II!b,lDDo~..:a~,' ~Q!ttiG'pkM:lpalclth8Note;
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... J=lIIIt,FlDDCludI....:tI(DZanIllI8UI1IhC*. 8amM8rshalhlnaD~onthePropelty.whelherNJWIn
xisIence'or " ",.,'" ~.~qhazalds.easuaWes.and contJngencies.lndUCUngllnt"lorwhichLenderrequires
~,Ttiii: " ,.' ':,-bti:rnairlided''''d'8arnatMfSanc:Uorlheperfodslhalleraderrequhs.BofraWefshallalso
~' ,:. . iiie'~;Whoihwnowin8dst8nco,OIsu~tNCIelI..lnlsllO$SbylloodstolhBelIenI:
~!iYtbi'iIl__be__",_":"-by"-,Tho_"'_"'''''I
~'lij:(iJi.:J:t~alr " . __ ,""".:r""8han'lndUdeloSspayabledaus8sinfavotaf..andlnalonn~lO.l.endsr.
"_~,t:f'~~,dlBII g!Yel.l!nder,lmmBdIaIen0dc8bymaD.lrIn(IerneymakeplUDfoflosB 'natmade
~.llY~,~,,~:~toi'COmpenvconcemeclls"'ebr,~.nddi'ecUldt6ftBkeplltm8ntkH'5<bka
~,Lerlcferj , ',',"iil9,~lOVIer8ndlO~joJn2ty.AIIoranyp;ul~th8tnllwIlUICl@plOClCllllkmaybeappUedby
~;,., , 'fir: "lO~'~u;lioo:oI,lhei~'und.;1heNDtoanddUSee1.IriIy~fJlstloany
'~ ,: :In',~:Oi'derIl:tParalJRlllh3.and'henlO ~~""....~otprincfpel.OI(bJtolhel1!SfDfaJfonor
~.~, ' ".,' .:,~y,apPI~dlheproceedc.lOtbv ~,BhalrNiI~UpoDtpDnalhed\8da1DcI
1It~ ' . '~..~JIilredIO.jft ParaoraIlh2. orchangelhe ~ 01 such pa)lJll!l1lS. MyexcG$81nsurance
........, ',:~lDpoy"__"'_"""""'_and"'__shalIbe
aIIt.....l!O'Olly ',' ,~'--" .
1n,""'...."',~.,..._.........."'OIher.....or........lhe_lI1altldt1gOisl1esl..
~aJI~~,UdrnteieslofBarro.Y8thllllllto instItancepdldeslnlCft:8~pass'olhepurc;has:ar.
4.,. ~~}I!",,:~~ofU.Prbp8rty.t""6 hatd&. ~shalrmrcornmltwrasteCKdesImv.damage<<
~~"~orllllow_PtOpertylOd&1eriorato.l'I!8S1IldatII.wearandtclal'DC8pIGd.lendDtmBYlnspeeI.
;",~,~!:i.,~,',~,'.,\Il,'".,",',IiOI!,',::!Y.!~,..''''~,',' ',..lheloani....e/auIl, ,llilder, nI8II..ke_-.._....
^ ",- 8UCh....~oi\~.-operty.,IfItlbSecurilyl.-umen1ison,.k!a&ehald.8clmJwar&tallGOmptywilhlh8
~.1;I1hi,~j~,,,'-~ ^" .8 agquInisfWWeto...Property.lh8~ilPlfreetlU86hahutbu_""'"
~liQr8eSaa'the~1ia-..
""_," .lD""",~~," ..".........Ig..."...._.__poy.._..""_
~'waiilJll:.,~~~'~rdfnclud;idInPalagrapR2. BarrowerIhaU.P8YIh~abIIgDlIcnson1kne~totM
.~lI~.~~rJr~umlo_WOlidedv..." alf'edLendeir'a""'Inth8Properly.~lender"s
~;~~':,.,.'_., ',C, ~'h\):LrierreceiplsllVklencing IheSepeymedS.
,~......,lJ+~_""'__brl'al\tglBph....ro"ID""'nn""l__
"'l'I,~",~ '~""," "',' ", '"...~ImInonn., ..........Iegaf"."..odlng.......r_r..... Lsnd.........
I~.:,. ,. , , .~i'.~,~l(ig,lri~rorcord~(WlOerIorceIDMClfregW:tIcns).IhenLendermardo
~Wt;~ha~i8~.IO))rdectlbeWlueCltUl8 Propedyard l.ender"sdgtllSlnlhe Propefty.1ncfudlng paym~ of
1ll8S..~HiunmclD...CAAerJt8o)s inemioood inf'ant.,..2.
Any~lfis.,..f:I;r(LenderunderlhllPat8graph sIlaII become en adcmonaIdeblcll8omMerand bB8IICInd by
is-SecUJtyInsliWlllinL''TIIllist:amounIS-shaI bee1kUrest from the dale ddlsbur8emenl at th8 Nella rate. and at the opUon d
!lni:fer.1haIIbBilmledIdeIydueuctps)iatlle. .
7. QnlemfJ8l1on. ~,~ot8Rr4WMf(1ldablDrdameges.dhcttJtconseq:uanliBl. Jnconnectlonwlha"i
...4....~.,OfOlhar~clany plitt of lhItPropedy. c:.-fur~..placec:lc:andelmelJan.8J8herebyasslgnedend
lilUbe.p;iId~LeN:i.to,~8lJt8ntofthefuBarlJCltddttle lndeblud_ttlld~UIIpilIdunderIhltNo1eandlhis'SeQlriIy
.......l8I'Ider...~8uchpnx:t\9lJ8lOlharsduclionc:llhe tndeblecInes:sundertheNaleiIrXIU1lsSecurilyInslJurnmt.
S11108Irfdefh:tu8m:8fIJDUlO1IppI18d"_CJR'I8r~Jn f'8'agr.iph3.aII1lhBn 1o...-.......,m81.dptncfpal.
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8-28-01; 7'OOAM;WILSHIRE FINANCIAL
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ny:Bpplicadon oIthe~~lOthe pMclpaI $hall notaxierd'1JrDOGlpOn8lheduedateoflhemomhlY paymools. wHchal8
lferil!d'lOm PriiauniPb~. Otchange,lhearncwt clsuclJ pa~Any~proceedsO'l/8l' anlllOOtml requindlOPJVaII
.JtB1anding irdebl.ednes:s under Ihe'l\k:IIe ud this SCltu'ly fnsUumenl shall he pail to the ently legally entlIkld lhereIa.
8. FeeL \.endef may c;oI8d kMisand dlaIges~bv the SeetefaIy.
9. Grcu1dsJorAccel8ndlDnclDetlt.
(a) De(autt l..8J'dwmay. Gl<ICGpl'asRmledbyreguJa!klns1ssued bythaSecrelal'J In 'hecaseol paymentdelaubs.Jequire
lmmediatepsymentlnU dtillsumssecured btlhlsSecurilylnsUUmem if:
@ 8DrrOw8rd~ by 1aDlg ~ pay In ruI ant moNhIy paymetlI required by Ihls 5ecurIy InslrUmenl priorlO or
onlhedwdaled1tenelltmonlHypll)'Rlri. or
(i) BoncwerdBfaulll. byfaJing. klr a periadofltW\ydays"lo perlormilny Dlherd;!ligallons conlainedinlbis
-...........
(b) SaleWlhuul CnldItApprootel. Lender~. if permfl1ed byapplll:ablolawand whhthe prior apPnWal elme
Secretary. r&qUiIammed.late~inJdJ'" aJlhesumsseaJn!d bVthlsSectdylnstrwnenr I:
(i) AIlOl"per101thePropertyissold01C11tefwisetmnsferred (cd1<<thanby-devise.ordescenl)by1heBonower.
....
(I) The Propeny,lsflOtoccupJed bythepun:h8$el' fJIlgranleeashlS or hetprrmar,orsecondaryresldent:e'.ordle
ptRhDser or grantee does SOOC:CtlJl'lthePMpenybUlhlsor""aedllhal:\'ICItbeen 8JlPowed In ~wlthlhe
reqUIrements db SecteIIry.
(e) NoW....II~ccaJI'thinwould pemlitLemerloJlqlil'8immedliSle paymant InhM. bllLenderdoes
not J9QUit8suc:h~ Lend8rd085natwaNe brighltwilh respecC IOSIJbsequllI16Y8f\l8.
(d) Reg,~ns,GH"I,UD Sc!cteI8ry. In manyckcurnslanc:e$regUaliMslssuedbylheSecretarywD nmll ~'srigl'dSln
thecaseol'~de:faljIsto ~ immediale paymentin ....andforedose ifnolpaJd. ThIs SectdyInstrumer'C
doesnolauihori:te-acctl~ orfcn!dosu...not pennilled by' regulaUans ofIheSeaela'Y.
10. A~ .ltClmwnlfhas.ar\ghl:tobe ~ifLenderh8s f'e(Jlred 1mmedlBl8 paymenl.infdl becaused
~talIUie-to:tJliY,an~~ctueUNferIl18NOIecr1/jSSecurlty Inslna:nerL 1JlIsIiQlf~ewnanerloredqu1
~_~To" -- '. ';IIIeS<<:urtyJnsrnmenl.Borrowerstldlenderfn8IumPsvrnalllJlll:QllSrequI~tobrlng
_, .," ; ,.~'.'~--~,. ", ' ".'r" 'fOIheCDCtentlt!e'flU8otf1gat1ansafBarrowenmderttiB&!curIylnsournerf.b&dasunJ
'...,.," " ,~........_Il'-'t--..._""""""""1Jpon
~.. " ~lmiWJnInludlhactilgation$lhiIlllS8CUnlS$halmminIn8ffel;laslflend8rbadrd
~.l.endBrlsnatrecPred to;pemd~if:(J)Lenclerllal;aC:cqJIed~
fqnJc:itosurv prDCeedingS wlhlntwa yesralinmedEDbIIy pJBC8dfng the o,,(loA......_._4. 01 a
(iJ',~wlpnldudefored09~andjfJerent~hthelulure. Of (ii) nMstidemenf
~'~8ffed...' Jhiilienrinl&l8d'bylbkSecurky InslrumenL
11. ~'Nal'~F~BrLeoclerNotaWaivar. ExterasKlndlhelimedp;symenlClfmodil'"K:ationot
"'"'~~..~~ byltlB,~1nsbumenI granled b'f Lendertoanysuccessorln Inlernslof Bonvwershaf noc
~.:itl1iile8i;8:~~d1tie~BIxroVtWorB0rT0wer"6 suc;::essorln ImeresL Lerdershal rICII berequlJed 10
~~~tlIW~in/nJ.elestorrdu:s8lDe;dendlinefa'JlIiI}'IJJeI1Iorothelwfsemodif1~d
.f.Uml,~:tij,ithiS~lnsIrUriEnr ,byreuanolSl'l1deman:t Jl&l8bylhBorig5na!: Bol'JowerorBclrJ'OWW'sSUCI:eIlSOfSln
leltliL,Atiff.;il~~":'6b1Lenderln~9anylighlorJemedy $Il8II natbe a wawof or preduclelh8 exen;I5801anyrIght
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11. ,S~_ 8auJI.:I:JoinlendSIlV8f8IUability;CHigpers. TheawonantsandagreementSofthisScvrtty
_,~':--- "',".~ ~" "" be'::~~Br~~oo.s.:,:.:~~~:~
~.~~: ,'" ,. lIIsInm8nIort'/lO rnorIgapt.QI'I1II:andamveytha1:Bonowet'slrarestillbe
~ityj.ri'l(rei',IJ'iii;~'..,..,., .{b)IaJal peISOn8lly~IOPBYrbelUnSsecuredbyrf*Sei:urily
StnJnuInl:IriIC~,agll!Briihai' , '8nyolherBorrtJowrmayagreelQextend.mod!fv.foftJearCWmake8trfacconmxfa.
.'-'f8{jaId1,Dltietel;ntaflhls S&uIlylhStlUFneIII Cl'1heNcteMbouthll Bonowet's CI:JhSEd.
1:l. N~ A1N~:Iq.B4;1nowerprov5dedlorinlhlsSecurilylnSlrumentsh81tle g1Yenbydell\lerillgIt orbymdnglby
.~~,~.~I~~weofaJd1ermedlod. The.nOlice~bedlrecledtolhePropertyAddnissor~
_'~,", _, . ,',' "~,',,',,' ",I br_,,' IOLender:.An/noIIceto Lendarshalbeglwnbyftnrtdassmailol.ln:\el'&addrB5&
~~~,aw,~.~~byricGlc&IoBOncwer. ""'nmkepnNJdedblnltllsSec:urlty\nslJUmen1St1id1be
~~hIiv8;beengNtiP:tD{8DlJawerorl.alderw11eDglllenas pIlMded InI:TllsJlBl8QJDPh.
t4. ,~'..............-' ............lmlronut_.._brFed....Iaw.......... "'..._"
.,~Ibi,~~~JnIhDCMII'lI:thal:...,pR:MaIonordaute:Gf~$8C;uIlylnBtnnnenlor1h8 Nal:&conIIIdsWU1
~.~~ncIl,efliddlletplDridonsdthls ~bmrunionIorlheNolawNchcanbeaNenllllets
: ,.'Ih8-~'j:inMiiIOn. TodU'indtbBprouIIIonsolllis SecurftyinsbumelllendtIBNol:8B1'8dedaredlObeseweable.
15. BG..,mI......Copf. Borrawer"'b8givenOlleconlonr.edCCiPfolthls5ectdylnstnnenr.
16. ~fII~';BonoMrWlO!NldlIonaly8lSllJl$andlJanSlGrSlOLendrer8ll1Il8renl andnwenuesoflhaProperly.
, JPOWer~~'~"'CM:Uf:lder".agentslDcdIecI'herefdSan:f ~anctherebydlrectseachtenBntcldMtPwope,t!l'to
wy,~~'to-~:orl..:Miler"s:,8gerdS.~.pdcrtoler1der's nodcetoBl:lrrwlerdBorrawer'sbr8al:hdanyCQ\l8llld
-a~ln'thIl~~BonoM!rdBIcdl8clard f8CIlivBalf8f1I:Sandrawnuesclth8Prol3ertYaslru5le8for1h8
ItlI!ill,tiI:'~and 8DrrDM!r. ThlsD5lgnment drunt&constIluIlJ$8ftabscll!8assignmentand not anassignmenl:foraddaional
-.....,
IfLtnder gtI/M'JX!!dce1)f ~IoSoTowar. (a) aIImmsreceMJd by Bonowersl1all be held bVBoIn:lWer asbusteeb'benefit
Lenif"Dl'IIy.,tQl.~liOlhetumlsecunldbyIhoSccuty.ll'l&tIwn8n1; (b) LendershaIJ beenlided to c:dIed:andrecefve all
~'IWJI1i,Df Ihe PtoI*iY;'iriI (c)- each'tenant aUbe PIqJorty shd pay BII nInlsduu and unpaid loLendBl' or l.snJInaglllll: Qr1
nde('swtltleQcIemai1cItolhel8nanL
8OfrOWIlr has not IIIalCUte(J ., piot assIgnIr8t oIlhe rents 8IId has not and 'odI1'lClf pedDnn any actthai' woUd pnNeff
ndcirbom~"rIghls:undGrlNsperagmph IS.
~~ WBllnattlenq~lo""upon.lBkelClOdlvfdar~ tho Propeny b8foreoraftwsVtin9POtk:eolbruec:hro
mMIi'~ H.OWIW.. Lendoi' ClCIaiudlcfallV appoInIed'r\lIOllMr maydo so alatPf.llme Ihete is a bnlach./vri IIPI:iJCidIon 01 renls
aI'no!: OUnJUwaNe.",deIadt CII'~anrcd&rIghI orleD18dydLender. 1hIs~a1lentsofIhePrgperty sIIaII
'mInalewhenthecflaseculed bylhe Securllylnsm..nent 15pe1d'in full
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8~28-01: 7:QOAM;WILSH1RE FINANCIAL
"
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~ORM coveiw<<s." BOItaW8fand lerdsr turthl!r~and agree B8 IDM:
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17. Fon:loaan P.ccedure. 1llendBl' requhs 1~..;m.nt"'lllD uncllr ...graph.. Lendw may hmK:IDao thIIl
lI:wltybr'ludlclel proeMdlrg. lJInder sMD boentid.dmc:ohct d -.pens.. ~JnpcnuTnothllt.""
ovIdltdl"~ pullJPeph 17,includina. W ...mltwdto. reasonable li1IltoIneyI' leosan:lco.-oIIIIS8811idencu.
'8. ....... Upon peymwII d all sums secured by ttjs.Sec:urtlylnslRnTlent. LenderSfl8ll discharge IhlS Sec:uriry
&tlument .J:IhaUl charge to BomMer_ Bom:Mer shaD pay anyfecordallon COSts.
19. RtJnstale~ Perlcd. Bom:Nter'sIimo tonlillSlale prtWIded In paragraph 18sba1ledend to onahour prioftolh&
ImmencemenJ: Df bJddfng 81:8 sh8rIIf's ale or Olher sale pursuanllO dlIs SeaJtyInstrurnera.
20. Purch888 ~Uortgage. lIanyofthedllbl secured bythlsSecurtly Inl;trumenllslelt toSorrowertoacqWelltleto
eProperty:. this SeQlri:rylns&rUmenlshaU bI a purchase moneymor1gi1gS.
21. IntetestRataAII.Dr~8nt. 8onCfftf'agreesht1helnleleSlratBpayableafterajudgmert"is enlered QIIthe NOle or
aftawon tA mortgage foreclosure 01 bethe nile JIaYlltlfefrom time to lime underlhe Nora
RilkRtolh" Socurfty~ tI oneormcreJkten;aruexeculedby8olrowerandrecardedtagetherwihlhls
Clriy1nslrumerC.... ccwenants or uachauch ridrlrshall be lncarporored hoard shalfamend and supplernentl:he covenanls
tla..._._4l.ofthi&Seady-tn&lnJmBrllDBldlerkler(s)werelna paltotttds Secuilylrlslrument. {CttecItapplk:al:jeIlcllc(e$J1
o CondomInlum_
o _UnIl_o_RIdor
o G.-ge.....o"",
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B ~8RcdeRth!r
Graduated paymenr Rider
BY $lGNING BELOW. Borrower at:I:GI1s ard agreeSlOtheletmS contained In'hls SacuriJy Instrument and Inany dder(s)
ilCded by BCXIOIWef and recorded wIIh It.
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MMONWEALTH OFPIlNNSYLVANIA.
C1IIIIliRLAllll
COUnty '"
Onlhls,. th8 Z2:nd dayof June .1990. before me, a NataTY Public
lheunr:ter.d~aftIcer, personaIyaPJ'llllRld
)..,jd J. Re-ller and Sandr.. L_ Belln- lmDWDlomEt(orsaHsfactDfi)'
ven)to be the pen;oos whOSenarne6 are subscnbedlDlheWllhlnlnslrurntntandackncMledged
I ~hey- 8la!CUI8dlhEtsame1orthePll'J)OS8$hereinCONalned".
lNwrmESS MiEREOF, I heretllltosetmyl.nd6fld afflCiill~.
Coovni$$Jon exptres:
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Ifo-tiAC-No
-441-4143573-103
Multistate
JUNE 22 ,19 90
1676 DOUGLAS DRIVE. CARLISLE, PA 17013
[Propeny Add_I
1. PARTIES
'Borrowe<" means each JllI'SClI1 signing .1 !he end 01 this NoIe. """ the person's successors arc! assigns, 'Lender means
BROADVIEW MORTGAGE COMPAltY, 965 HIGH STREET, COLUMBUS. OHIO 43085
and its successors and asstgns.
2. BORROWER'S PROMISE TO PAY: INTEREST
In ~um for a loan receIVed from Lender, Borrower promlseo; 10 pay the principal sum 01
SIXTY.SIX THOUSAND ONE HUNDRED FIFTY-TWO DOLLARS *****...*****.*******.*.*********-*******
*.**************************-*******.*****.**~**********.*******.************************
DoIla.. (U.S. $ 66152,00 I, plus _, lo'the ClIder of the Lender. I_est wm be charged on unpaid principal,
Itom the d... 01 dlsbUllllllll8lllof1l1&Ioan proceeds by Lerder, at the rate of TEN AND ONE-HALF..................
per cent I 10. SOD ''''1 peq"........1he full amount of principel has been paid.
3. PROMISETOPAYSECURED
Bonowr's pcmIse 10 pay Is secured by. mO<lgage. deed 0I1IUSI orslmllar security Inslrumenllhatls dated lha same date
as this Noteand called the 'Security Inslrumenl.' ThaI Security Instrument pmIects 1he Lender from losses which mlghl result
a Borrowerd_ under this NOIe.
4. MANIER OF PAYMENT
(AlTlme
Borrower.haD maJce a payment 01 principal and Intereslla Lender on the IIISt day of each month beginning on
AUGUST 1 ,19 90 . Any principe! end inIerest on the rll'St dey of JULY
20 20 , will bBdue onlhal dale. which is called !he maturilydate.
(8) Place
Paymenrshallbemadeat BROADVIEII MORTGAGE COMPANY, 965 HIGH STREET, COLUMBUS, OHIO
43085 or at sucIt other place as Lender may deslgnaleln wrilJng.
Ie) Amount
Each mcnthIypawnent oIprtndpal """ I_est Willle in the amount of $ 605, 12 ' This amount
wI! be part of a IargerJl!Ol'!lhly payment required by.he Security 1_ thai shall be applied II' princtpe!, Interest and
OIherhems In IIMl order_bod In the Securlty InstnmenI.
(0) AIIongeta IhIB noIB for payment adJustmenIs
II an alIcmge prOvIiIIng for payment ad]uslmenls Is executed by Borrower logether wllh Ihls Note, the covenants of the
allonge shell be inclorponllecl Into""" shall amend anc1supplementthe covenants 01 this NOIe as ff the allonge were a pen of .hls
NoIe. [Check appicaIJle baJ<1
o Glllduated Payment Allonge
o Other
o Adjustable RateAlonge
o GlowIng Equity Allonge
5. BORROWeR'S R1GIfTTO PREPAY
S"""""" has the rfghIlo pay !he debllNidenced by this NOIe, in whoIeor in part, wl1houl charge or penally, on the firs!
day 01 any month.
B. BORROWeR'SFAlLUllETOPAY
(AI laI8 ~forOYerdu. Payments
II l.Bnderhas liot fI'C8Ived the full monthly payment requinKI by the Security Insl_ as described In Peragraph 4(C)
oI.tisNole by !he end of fiIleen calendar days after the payment is due, Lei1der may collect a late charge in lhe amounl 01
FOUR....*****-****....******....*****.. per cent ( 4.000 %) of lhe OYerdue amount of each payment.
(8) Defaull
. II Borrower _ by lalllng to pay in full any monthlypayment, then Lender may, except as Jimled by regula'ions
oIlhe SecreIary In Ihlcase of payment defaullS, requite Immediate payment in full oIlhe principal balance remaining due
""" all accrued rm...- Under may Choose not to exercise this opllon _ waNing.s rlghts In the event of any
subsequent defa.... In mailyclrcumslanees regulallons Issued by the SecreIaJy will limiIlandefs rights 10 require
immed'l8te paymenlln iuD in the case 01 payment delatllls. This Nole does not eulhorlze acceleration when nOl permilled
by HUD regulalions. As used In this Nots, .Secretary" means the SecrelaIy 01 HousIng arc! Urban Development ar his or
her desig_.
(C) Payment 01 Cosb and Expenses
1/ lender has required Immediate payment in full, as _ -. Lender may require Borrower ta pay costs
and expenses inc:IudEdreasonable and customary attorneys' lees for enforcing this Note. Such fees arc! cos1S shall beat IntOfest
from the dale of distlursBmenl atlhe same rale as !he principal 01 this NOIe.
ACCT, NO, 106401
Page 1012
FHA Uultl.-.ae F'1Ud RMo Note
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1. WAIVERS
60""",", and _ other pe1son who has otlIIgatlons under this Note waive the rlghls 01 presenlmem and nOli... of dishonor.
1'resentment" means Ihe righllo require let1der 10 demand paymertol amounls due. "N0lice 01 dishonor" meons the righllO
requlreLenderlO give notice 10 other persons lhetamournsdue have not _n paid.
8. GIVING OF NOTICES
Unless applicable law <equlres a dillerent melllod, a"" nolIce......1IIllSI be given 10 Borrower under this NoIe Wil be given
be delivilllng It or by mailing ft by 61$t dass mail to Borrower atlhe -'V address above or at a dillerent address W BorrcN<e<
has given Lender a notice of Borrower's dUferent address.
"""i notlcathat I1'lJS\ be given to Lender und.. this Note wm be given by IIr.il class mal 10 Lend9r at the address stated in
Paragraph 4(8) or at a _ address W bonower is given a ""'ice of that diffe","t address.
9. OBUGATIONS OF PERSONS UNDER THIS NOTE
ff more than one person signs this Nolo. eac/t person Is hilyand personaIIyobllgaled to keep all 01 the promises made III
'lI1ls Net.. Induding the poomise 10 pay the fUlamounl owed. """i '""""" who Isa QlIllI8I1lor. surely or endo.... of this Note Is also
~Ied to do Ihesell\lngs. Nry person who takas over lhesoobllgal!ms. including the obligations oIa guarantor. surety or
endorser 01 this Net.. Ie also obligated to kIlepell 01 the promisesmade in this NoIe. \.ender may enforce hs righls under lI1is NoI.
agalnsleacll pen;on individually or against all slgnator!es together. """i one person Slgni'lg this Note may be reqUired to pay all '"
1he emctJ1lS underthls NOle.
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By SIGNING BelOW. Borrower aCCElpls and agrees to the tenns and covenants contained In this NoIe.
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OA~HEl{ER
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1ANDRA l. HEllER
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(Seal)
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.Borrower
(Seal)
.Borrower
WITHOUT R[COlJRS[ PAY TO THE:
OROCR or YER/([ HlJRTCAGC C/lHPANY
BROADYI.E~ MOR'~~A~
BY~ <1.tj~/L-~14cJ2
Steph n L Schenck. Vice President
July 18, 1990
Pay to the o~der of
wi thout. recourse..
YERKE MORTGACE CO.
Jd.L,d A&!L
Wanda D. Bethel
Corporate seere~ry
ACCT. NO, 206401
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DESCRIPTION
ALL THAT CERTAIN piece or parcel of Iand situated in North Middleton Township, Cumberland
County, Commonwealth of PennsylVania more Particularly shown on a certain plan entitled "FinaI
Subdivision Plan of Section I: Sheet 2 of 3 Pheasant Run Estates for Metlanco, Inc. North Middleton
Township, Cumberland County, Pennsylvania Scale: 1 "-50' April 9, 1975 Revised: April 30, 1975" by
Gerrit J, Betz Associates, Inc., Engineers and Surveyors, 6 East Main Street, Shiremanstown,
PennsylVania, which plan is fIled in PIan Book 29 at Page 7 in the Office of the Recorder of Deeds for
Cumberland County. Said Lot is more particularly bounded and described as follows:
BEGINNING at a point on the Western right-of-way of Douglas Drive on the dividing line of Lot #18
and Lot #17 as shown on hereafter mentioned plan; thence by aforesaid lot line South 89 degrees 15
minutes 10 seconds West 140,00 feet to a point on the Eastern line of Lot #22 on hereafter mentioned
plan; thence by aforesaid Iot line North 00 degrees 44 minutes 50 seconds West 18,00 feet to a point
on the Southern line of Lot #16 on hereafter mentioned plan; thence by aforesaid line North 89 degrees
15 minutes 10 seconds East 140.00 feet to a point on the Western right-of-way line of Douglas Drive;
thence by aforesaid line South 00 degrees 44 minutes 50 seconds East 18.00 feet to a point being the
place of beginning,
HA VING THEREON ERECTED a dwelling unit numbered 1676 Douglas Drive, Carlisle, Pennsylvania
17013.
BEING Lot No. 17 on a Final Subdivision Plan of Section I, Sheet 2 of 3, Pheasant Run Estates, as
recorded in Cumberland County Plan BOok 29, Page 7.
TOGETHER with the right, in Common with others, to pass and repass for ingress and egress OVer the
roads as shown on said map from the lot herein conveyed.
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David], Heller
Sandra L. Heller
1676 Douglas Dr,
Carlisle, P A 17013
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SCERNI
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PleasantVaileyBuilding'
Valley Avenue', 2iid:l'h;of,;,P6'Bi>x'12~8 'Nil. Laurel, NJ 08054
'856'866'1166'Fax:'g5~g6()::n8g
web: Www~shaffcrbw ~coni
,821 N. Main street
Pleasantvine. NJ 08212
609-646-9656
Fax: 609-646,6939
2205 Race Street
Philadelphia,pA 19103-
215-564,9050
Fax: 215,564-3341
ACT 91
TAKE ACTION TO SAVE
YOUR HOME FROM FOIlECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose.
Specific information about the nature ofthc default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save your home. This notice explains how the program works.
To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you
when you meet with the Counseling Agency,
The name, address and phone number of Consumer Credit Counseling Agencies serving your
County are listed at the end ofthis Notice, Uyou have any questions, you may call the Pennsylvania
Housing Finance Agency toll free at 1-800..342-2397. (persons with impaired hearing can call (717) 780-
1869),
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Page 2
This Notice contains important legal information, If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it, You may also want to contact an attorney in
your area. The local bar association may be able to help you find a lawyer,
LA NOTIFlCACION EN ADJUNTO ES DE SUMA lMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE EST A
NOTIFICACION OBTENGA UNA TRADUCCION INMEDIT AMENTE LLAMANDO ESTA AGENCIA
(pENNSYL V AN1A HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO
ARRIBA. PUEDES PER ELLEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMANDO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV AR
SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
David J. Heller and Sandra L. Heller
PROPERTY ADDRESS: 1676 DougIas Dr., CarlisIe, PA 17013
LOAN ACCOUNT NO.: 173046
ORIGINAL LENDER: Broadview Mortgage Company
CURRENT LENDERlSERVICER:
Wilshire Credit Corporation
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY
WITH THE PROVISIONS OF TH E HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF
I983 (THE "ACT''), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES
BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYL V AN1A HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must
arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at
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Page 3
the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS, IF YOU
DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR
MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR
MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit
counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30)
days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit
counseling agencies for the county in which the property is located are set forth at the end of this Notice, It is
only necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set
forth later in this Notice (see following pages for specific information about the nature of your default.) If you
have tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign
and file a completed Homeowner's Emergency Assistance Program Application with one of the designated
consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies
have applications to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting,
YOU MUST mE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO
NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED,
AGENCY ACTION - Available funds for emergency mortgage assistance are very limited, They will be
disbursed by the Agency under the eligibility criteria established by the Act, The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives your application, During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above, You will be
notified directly by the Pennsylvania Housing Finance Agency of its decision on your application,
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY
AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT,
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date),
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property
located at:
IS SERIOUSLY IN DEFAULT because:
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Page 4
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS since May I, 200I and the following
amounts are now past due: $2,420,48
Late charges: $182.69
Other Fees: $I4,397.24
TOTAL AMOUNT PAST DUE: $17,000,41
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: N/ A
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date
of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS
$17,000.41, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE
DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified
check or money order made payable and sent to: Regular Mail:
Wilshire Credit Corporation
P.O. Box 8517
Portland, OR 97207
Overnight:
Wilshire Credit Corporation
1776 Southwest. Madison
Portland, OR 97205
You can cure any other default by taking the following action within THIRTY (30) DAYS ofthe date of
this letter: N/ A
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS
ofthe date ofthis Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means
that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance
to pay the mortgage in monthly installments,
If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property,
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff
to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees
that were actually incurred, up to $50,00. However, iflegal proceedings are started against you, you will have to
pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees
will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the
default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal
balance and all other sums due under the mortgage.
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RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the
default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to
cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale, You may do so by
paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and
costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in
writing by the lender and by performing any other requirements under the mortgage, Curing your default in the
manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a
Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of
this Notice, A Notice of the actual date of the Sheriff s Sale will be sent to you before the sale, Of course, the
amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
NAME OF LENDER: Wilshire Credit Corporation
ADDRESS: P,O. Box 85I7, Portland, OR 97207-8517
TELEPHONE NUMBER: 1-888-917-1050
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of
the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,
a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time,
ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF,
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.)
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Page 6
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY are attached hereto as
Appendix" A".
SHAFFER, BONFIGLIO, SCERNl & D'ELIA, L.L.C,
/\y^
BYl ' ,
artin S. Weisberg, Esquire
Attorney for
921 Pleasant V alley Avenue, 2nd Floor
P. O. Box I258
Mt. Laurel, NJ 08054
(856) 866- I 166
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Page 7
Homeowners' Emergency Assistance Program
Counseling Agency List for CUMBERLAND COUNTY as of 4/18/01
Return to Map Page 21 of 67
Adams County Housing Authority
139-143 Carlisle St.
Gettysburg, PA 17325
(717) 334-1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Community Action Commission of
Captial Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
Financial Counseling Services of
Franklin
31 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
Loveshlp, Inc.
2320 North 5th Street
Harrisburg, PA 17110
7172322207
Urban league of Metropolitan Hbg
2107 N. 6th Street
Harrisburg, PA 17101
(717) 234-5925
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SHAFFER"" SCERNI, L.L.C.
BY: MARTINS. WEISBERG, ESQUIRE #51520
921 PLEASANT VALLEY AVENUE, 2ND FLOOR
MOUNT LAUREL, NEW JERSEY 08054
(856)866-1166
FILE NO, 0203805866
ATTORNEYS FOR PLAINTIFF
LASALLE NATIONAL BANK, AS TRUSTEE
FOR THE REGISTERED HOLDERS OF
SALOMON BROTHERS MORTGAGE
SECURITIES VII, INC., SERIES 1997-HUD2
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Civil Action - Mortgage Foreclosure
vs.
NO. 2001-5966
DAVID J. HELLER AND
SANDRA 1. HELLER
Defendant( s)
PRAECIPE TO DISCONTINUE ACTION
TO THE PROTHONOTARY:
Please mark this action discontinued as to all defendants upon payment of your costs only.
By:
Dated: Io/Z.:~/OI
Martin S. eisberg, Esq . e
Shaffer & Scerni, L.L.C,
Attorneys for Plaintiff, LaSalle National Bank, as Trustee for
the registered holders of Salomon Brothers Mortgage
Securities VII, Inc., Series 1997-HUD2 c/o Wilshire Credit
Corporation
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SHERIFF'S RETURN - REGULAR
...-.
CASE NO: 2001-05966 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
LASALLE NATIONAL BANK ET AL
VS
HELER DAVID J ET AL
HAROLD WEARY
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
HELLER DAVID J
the
DEFENDANT
, at 0846:00 HOURS, on the 25th day of October ,2001
at 1676 DOUGLAS DR
CARLISLE, PA 17013
by handing to
DAVID J HELLER
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18,00
3,25
.00
10,00
.00
31.25
r~~-<:~~
R, Thomas Kline
10/25/2001
SHAFFER & SCERNI
Sworn and Subscribed to before
By:
~--w u-.J~,
Deputy Sh ff
me this 3f...u
day of
(ij~ro&2;:!~ . ~~
T~j!:';5\~r~ "
~ .ilIiI':~
~~~,",~.!HI"."",..,
r.~ ""'"'--" ~ ~"m~
~
...
SHERIFF'S RETURN - REGULAR
CASE NO: 2001-05966 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
LASALLE NATIONAL BANK ET AL
VS
HELER DAVID J ET AL
HAROLD WEARY
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
HELLER SANDRA L
the
DEFENDANT
, at 0846:00 HOURS, on the 25th day of October ,2001
at 1676 DOUGLAS DR
CARLISLE, PA 17013
by handing to
DAVID J HELLER
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6,00
,00
,00
10,00
,00
16,00
r~-~~~
R, Thomas Kline
10/25/2001
SHAFFER & SCERNI
Sworn and Subscribed to before
By:
7.4A (./4 ~~
Deputy Sher' f
me this 3/~J- day of
(J aQ.., A ;).AnJ 1 A , D ,
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ro honotary
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