HomeMy WebLinkAbout08-3410LAW OFFICES OF GREGORY JAVARDIAN
BY: GREGORY JAVARDIAN
ID# 55669
1310 INDUSTRIAL BOULEVARD
1 IT FLOOR, SUITE 101
SOUTHAMPTON, PA 18966
(215) 942-9690 ATTORNEY FOR PLAINTIFF
EMC MORTGAGE CORPORATION, COURT OF COMMON PLEAS
ATTORNEY-IN-FACT FOR LASALLE
BANK NATIONAL ASSOCIATION, AS CIVIL DIVISION
TRUSTEE FOR CERTIFICATEHOLDERS
OF BEAR STEARNS ASSET BACKED CUMBERLAND COUNTY
SECURITIES I LLC, ASSET BACKED-
CERTIFCATES, SERIES 2006-HE2
800 STATE HIGHWAY 121 BYPASS NO. 0$ - 341D civil _term
LEWISVILLE, TX 75067-4180
PLAINTIFF COMPLAINT IN
MORTGAGE FORECLOSURE
VS.
JOHNATHAN P. BOREDELON
JENNIFER A. BORDELON
1554 WILLIAMS GROVE
MECHANICSBURG, PA 17055
DEFENDANTS
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 PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
800-990-9108
4. The Mortgage secures the indebtedness of a Note executed by the Defendants on
October 28, 2005 in the original principal amount of $383,900.00 payable to Plaintiff in
monthly installments with an interest rate beginning at 8.25%. A copy of the Note is
attached and made a part hereof as Exhibit `B'.
5. The land subject to the mortgage is 1554 Williams Grove, Mechanicsburg, PA 17055. A
copy of the Legal Description is attached as part of the Mortgage as Exhibit `A' and
incorporated herein.
6. The Defendants are the Record Owners of the mortgaged property located at
1554 Williams Grove, Mechanicsburg, PA 17055.
7. The Mortgage is now in default due to the failure of Defendants to make payments as
they become due and owing. As a result of the default, the following amounts are due:
Principal Balance $383,849.45
Interest to 5/23/2008 $23,962.99
Accumulated Late Charges $622.39
Accumulated NSF Charges $40.00
Recoverable Balance $375.43
Other Fees Due $36.95
Cost of Suit and Title Search $550.00
Attorney's Fees $1,000.00
TOTAL $410,437.21
plus interest from 5/24/2008 at $107.79 per day, costs of suit and attorney's fees.
8. The attorney's fees set forth above are in conformity with the Mortgage documents and
Pennsylvania Law, and will be collected in the event of a third party purchase at Sheriffs
sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be
charged.
9. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a
defaulting mortgagor with a Notice of Homeowners' Emergency Mortgage Assistance
("Act 91 Notice") 35 P.S. Section 1680.403c.
10. The Notice of Homeowners' Emergency Mortgage Assistance was required and Plaintiff
sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to
the Defendant by regular and certified mail on January 17, 2008. A copy of the Notice is
attached and made a part hereof as Exhibit `C'.
11. The Mortgage is not a residential mortgage under 41 P.S. Section 401 because the
principal amount of the Mortgage is in excess of $50,000.00 and, therefore, Plaintiff was
not required to send the Act 6 Notice of Intention to Foreclose.
WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the
mortgaged property in Plaintiffs favor and against the Defendants, in the sum of $410,437.21 together
with the interest from 5/24/2008 at $107.79 per day, costs of suit and attorney's fees.
Law Offices of Gregory Javardian
BY: 'r
Gr ory Jav rdi
ttomey ID N . 55669
Attorney for Plaintiff
EXHIBIT `A'
i h/4,?gE?. a
vv 1`'?'jJ ..lTy-p
7 09
\X J.
Prepared By.
FIRST GUARANTY MORTGAGE CORPORATION
5303 SPECTRUM DRIVE, SUITE D
FREDERICK, MD 21703
888-295-7899
Return To:
FIRST GUARANTY MORTGAGE CORPORATION
5303 SPECTRUM DRIVE, SUITE D
FREDERICK, MD 21703
Parcel Number: Premises:
22-31-2156-019 1554 WILLIAMS GROVE ROAD, MECHANICSBURG. PA 17055-
[Space Above This Line For Recording Data]
MORTGAGE
LOAN NO.: 5802509014 MIN 100031458025090144
MERS Phone: 1-888.679.6377
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3. It, 13 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security Insh-ument" means this document, which Is dated OCTOBER 28, 2005
together with all Riders to this document.
(B) "Borrower" is
JOHNATHAN IY BORDELON AND JENNIFER A. BORDELON
Iv 11.
Borrower Is the M(41gagor under this Security Instrument.
(C) "MERS" is Mortgage Electronic Registration Systems. Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee
under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
address and telephone number of P.O. Box 2026. Flint MI 48501-2026. tel. (888) 679-MERS.
FMNSYLVANIA - Si Tgte Family -Fannie MaelFroddie Mac UNIFORM 94STRUMENT W17H MEM Form 3 3
mia
/01
VMP-8A(PA) (osu) Page 1 01 18 LENDER SUPPORT SYSTEMS INC. MER58APA.NEW 104105)
BKI92cPG0724
) "Lender" Is
IRST GUARANTY MORTGAGE CORPORATION
Lender is a CORPORATION
organized and existing under the laws of VIRGINIA
Lender's address is
8180 GREENSBORO DRIVE, t?500, MCLEAN, VA 22102
(E) "Note" means i he promissory note signed by Borrower and dated OCTOBER 28, 2005
The Note states that Borrower owes Lender
THREE HUNDRED _%HTY THREE THOUSAND NINE HUNDRED AND NOMOO X X X X X X X
Dollars
(U.S. $ 383,900.CO ) plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than NOVEMBER 01, 2035
(F) "Property" moans the property that is described below under the heading "Transfer of Rights in the
Property."
(Q) "Loan" means the debt evidenced by the Note, plus interest. any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be ex-cuted by Borrower [check box as applicable]:
® Adjustable Rue Rider Q Condominium Rider Q 1-4 Family Rider
Graduated Payment Rider Q Planned Unit Development Rider Q Biweekly Payment Rider
Q Balloon We- Q Rate Improvement Rider Second Home Rider
Q Other(s) (spedfy)
(1) "Applicable law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and achAnistrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable jud.dal opinions.
(Y) "Community mmociation Dues, Fees, and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or Simi' ar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
Instrument, computer, or magnetic tope so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term Includes, but Is not limited to, point-of-sale transfers, automated teller
machine transactions, transfers Initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(L) "Escrow Items." means those items that are described in Section 3.
(M) "Miscel•.laneonus Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (1)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Properly; (Ili) con ieyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
value and/or condi Ion of the Property.
(N) "Mortgage In nurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
?n?a:
VMP-8A(PA) (oso) Page 2 or 1e Forth 30 ro 1
Dill
Un 929PGO725
(O) "Periodic payment" means the regularly scheduled amount due for (1) principal and interest under the
Note, plus (ii) any w=nts under Section 3 of this Security Instrument.
(P) "RESPA" means the Real Estate Settlement Procedures Ad (12 U.S.C. Section 2601 et seq.) and its
implementing ??eegguttladon. Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
In this Security Ins xument. "RESPA" refers to all requirements and restrictions that are imposed In regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA. Succenor
of 11orr not that party as aa:sumed Borrowero obliga?tionsaundeer th Note and/or this Security I that has taken tide to the Property, nwhether or
TRANSFER OF R IGHTS IN THE PROPERTY
Ills Security Insinunent secures to Lender: (1) the repayment of the Loan, and all renewals, extensions and
modifications of it a Note; and (ti) the performance of Borrower's covenants and agreements under this
Security Instrumen: and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
MERS (solely as iominee for Lender and Lender's successors and assigns) and to the successors and
assigns of MERS, i he following described property located in the COUNTY
)Type of Recording Jurisdiction) of CUMBERLAND Name of Recording JurisdIclionl:
SEE COMPLETE LEGAL DESCRIPTION DESCRIBED IN EXHIBIT "A" ATTACHED HERETO AND MADE A
PART HEREOF
which currently ha: the address of 1554 WILLIAMS GROVE ROAD [Streetl
MECHANICSBURG [City]. Pennsylvania 17055- [Zip Code[
("Property Address "):
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtt nances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also) be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title
to the interests nted by Borrower in this Security Instrument, hut, if necessary to comply with law or
custom, MERS Jasa nominee for Lender and Lender s successors and assigns) has the right: to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property- and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
Instrument.
VMP-BA(PA) (OW2) 11w`
Pays 3 of 16 Forth 300 1/01
BKI929PGO726
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to morlgi ge, grant and convey the Properly and that the Property Is unencumbered, except for
encumbrances of mcord. Borrower warrants and will defend generally the title to the Property against all
claims and demand;, subject to any encumbrances of record.
THIS SECUPITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charge; and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid. Lender may require that any or all subsequent payments
due under the Nose and this Security Instrument be made In one or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, ph ovided any such check Is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality. or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current. without w river of any rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the fu tore, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each ?edodic Payment is applied as of Its scheduled due date, then Lender need not pay
interest on unapplh:d funds. Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding
principal balance hinder the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender shall relieve Borrower from making payments due under
the Note and this : ecurity Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Applicatitm of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Not:; (b) principal due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which It became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the ,rrincipal balance of the Note. 1 1 '
If Lender ret eives a payment from Borrower for a delinquent Periodic Payment which Includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If snore than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment
VMRBA(PA) (own Pop 4 m 18 Form 30 /Ot
Di1 I 921JPG0727
can be paid In full. To the extent that any excess exists after the payment is applied to the full payment of
one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary
prepayments shall lie applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not Extend or postpone the due date. or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note. until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due
for: (a) taxes and ; ssessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At odgina- ion or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments. If any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires.
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained In this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. if Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower falls to I-ay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amoiutt and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with S xtion 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, it any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RE; PA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimate of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds Aali be held In an institution whose deposits are insured by a federal agency,
Instrumentality. or entity (including Lender, If Lender is an institution whose deposits are so Insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RUSPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower Interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can agree In writing, however, that interest
VMMAWA) (oson b r?
r.y.sd,ea .: Forma trot
8K l 929I)GO728
I ?
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there Is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the a ccess funds In accordance with RESPA.: If there is a shortage of Funds held In escrow,
as defined under R ESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage In accordance with RESPA, but in no more than 12
monthly payments. If time is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency In accordance with RESPA, but in no more than 12 monthly payments.
Upon paymer t in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and Impositions
attributable to the :'roperly which can attain priority over this Security Instrument, leasehold payments or
ground rents on tht Property, if any. and Community Association Dues, Fees, and Assessments, if any. To
the extent that these Items are Escrow Items, Borrower shall pay them In the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agre !s in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but onh+ so long as Borrower is performing such agreement: (b) contests the lien In good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded: or Ic) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain piiority over this Security Instrument. Lender may give Borrower a notice Identifying the
lien. Within 10 dais of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards inclc ding, but not limited to, earthquakes and floods, for which Lender requires insurance.
This Insurance sh-,Il be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
determination, cer.ifrcatfon and tracking services: or (b) a one-lime charge for flood zone determination
and certification Services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fives imposed by the Federal Emergency Management Agency In connection with the
review of any flood zone determination resulting from an objection by Borrower.
VMRBA PA (osoz) Page 6 of 16 Four 3O1101
8K 1929PGO729
.l :.
If Borrower Jails to maintain any of the coverages . described above. Lender may obtain insurance
coverage, at Lend pr's option and Borrower's expgnse. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower. Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
Insurance that Bon ower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate frism the date of disbursement and shall be payable, with such Interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprov; such policies, shall include a stan,(4rd:mortgage clause, and shall name Lender as
mortgagee and/or .is an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Len ier requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. 11 Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof o' loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, If the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period. Lender shall have the right to
hold such insurant a proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been cc mpleted to Lender's satisfaction. provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or In a series
of progress payme:its as the work is completed. Unless 'an agreement is made In writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Such Insurance proceeds shall be applied in the order provided for In
Section 2.
if Borrower abandons the Property, Lender may tile, negotiate and settle any available Insurance
claim and related : natters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim, then Lende' malt negotiate and settle the claim. The 30-day
period will begin when the notice is given. In either event. or If Lender acquires the Property under
Section 22 or ott erwise. Borrower hereby assigns to Lender (a) Borrower's rights to any Insurance
proceeds In an amwnt not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of :3orrower's rights (other than the right to any refund of unearned premiums paid by
Borrower) under f 11 insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Pr )perty. Lender may use the Insurance proceeds either to repair or restore the Property or
to pay amounts ua laid under the Note or this Security Instrument, whether or not then due.
VMP-GA(PA) (0502) Pays 7 of 16 FofTn 3
1101
Mw`
BN 1929F-GO730
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 6) days after the execution of this Security Instrument and shall continue to occupy the
Properly as Borrower's prindpal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exis which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or Impair the Property, allow the Property to deteriorate or commit waste on the
Properly. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent die Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursua at to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If Insurance or
condemnation pro( eels are paid in connection with damage to. or the taking of, the Properly. Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restitration.
Lender or It agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the Interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior-ltispection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall'be in default If, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or Inaccurate information or statements to Lender
(or failed to provide Lender with material Information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protedioo of Lender's Interest in the Property and Rights Under this Security Instrument. If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security lnstnrment (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Leader's interest In the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can Include, but are not limited to: (a) paying any sums secured by a lien
which has prior It j over this Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys' fees to protect its interest In the Property and/or rights under this Security Instrument, Including
Its secured position in a bankruptcy proceeding. Securing the Properly Includes, but Is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, ellmir ate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Sectlon 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
VMFLBA(PA) rosoz) Pop 8 e1 78 Focrn 3o rot
8KI329PGO73I
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and iball be payable, with such interest, upon notice from Lender to Borrower requesting
payment. fi s
If this Security Instrument Is on a.leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgages Insurance. If Lender required Mortgage Insurance as a condition of making the Loan.
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provide d such Insurance and Borrower was required to make separately designated payments
toward the premtmts for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substand dly equivalent to the Mortgage Insurance previously In effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously In effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage insurance coverage Is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the Insurance coverage ceased to be in effect. Lender will accept, use and retain these
payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be
non-refundable, n withstanding the fafct that the Loan 'is?aultimately paid in full, and Lender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)
provided by an Insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Morigag! Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing ::or such termination or until termination is required by Applicable Law. Nothing In this
Section 10 affects Borrower's obligation to pay Interest at the rate provided In the Note.
Mortgage In; urance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Bon-ower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to
these agreements. These agreements may require the mortgage Insurer to make payments using any source
of funds that the r mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements. Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity. c r any affiliate of any of tltc foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage insurance, in
exchange for sharing or modifying the mortgage Insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to • he insurer, the arrangement Is often termed "captive reinsurance." Further:
(a) Any such agreements wHI not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any outer terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
VMtzt3A(PA) psox) Asps 9 of tG Foam 30 1/01
8K i 929PC0732
a
(b) Any sucb agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insuraa cc under the Homeowners Protection, Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurancc. to have the Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination.
11. Assignm,mt of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and Au it be paid to Lender.
If the Property Is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfactiun, provided that such Inspection shall tie undertaken promptly. Lender may pay for the
repairs and restoration In a single disbursement or in a series of progress payments as the work Is
completed. Unless an agreement is made In writing or Applicable Law requires interest to be paid on such
Miscellaneous Pro-;eeds, Lender shall not be required to pay Borrower any Interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not thear due, with the excess. If any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the orde • provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
Proceeds shall be ;applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, laid to Borrower.
In the event c f a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value Is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss In value, unless Borrower,and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced Py the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, dent vc(lon. or loss In value divided by (b) the fair market value of the Property immediately
before the partial ciking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event c f a partial taking, destruction, or loss In value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction. or loss in value is less than the
amount of the sunts secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lewler otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Propel ty is abandoned by Borrower, 'or if, after notice by Lender to Borrower that the
Opposing Party (a; defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after te date (he notice is given. Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Properly or to the
sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action In
regard to Miscellaneous Proceeds.
Borrower shall be in default If any action or proceeding. whether civil or criminal. is begun that, in
Lender's fudgmeni, could result In forfeiture of the Property or other material impairment of Lender's
Interest in the Properly or rights under this Security Instrument. Borrower can cure such a default and. If
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
rnKw.;
VMP+BA(PA) (a---) Faye to or to Fomn " 30 1 1
A8K l 929PS0733
dismissed with a nding that, in Lender's Judgment, precludes forfeiture of the Property or other material
Impairment of Len ier's Interest In the Property or rights under this Security Instrument. The proceeds of
any award or clahtr for damages that are attributable to the Impairment of Lender's Interest in the Property
are hereby assigned and shall be paid to Lender.
All Mlscellaneous Proceeds (bat are not applied to restoration or repair of the Properly shall be
applied In the order provided for In Section 2.
12. Borrowa' Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or aM- Successor in Interest of Borrower shall not operate to release the liability of Borrower
or any Successors m Interest of Borrower. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security instrument by reason of any demand made by the original
Borrower or any S,tccessots in Interest of Borrower. Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Intemst of Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exerd>e of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co-signs this Secu sty Instrument but does not execute a Nole (a "co-signer"): (a) is co-signing (his
Security Instrument only to mortgage, grant and convey tbe co-signer's interest in the Property under the
terns of this Secut ity Instrument: (b) Is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent.
Subject to de provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument In writing, and is approved by Lender, shalt obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender a to such release In
writing. The covenants and agreements of this Security Instrument shall bind except as provided in
Section 20) and Imiefil the successors and assigns of Lender.
14. Loan Uarges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, properly inspection and valuation fees.
In regard to any of per fees, the absence of express aatho ,ty in this Security Instrument to charge a specific
fee to Borrower sh di not be construed as a prohibition or ;the charging of such fee. Lender may not charge
fees that are expre: sly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally Interpreted so
that the interest or other loan charges collected or to be collected In connection with the Loan exceed the
permitted limits, f ien: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal
owed under the Tote or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct payment to I lorrower will constitute a waiver of any4right of action Borrower might have arising out
of such overcharge. #? -..
15. Notices. All notices given by Borrower or Leker in connection with this Security Instrument
must be in writing Any notice to Borrower in connection with this Security Instrument shall be deemed to
VMP-GA(PfA) moz n.9. 11 or is Form 30
30 1/01
U11
.
have been given to Borrower when mailed by flat.class;rnW. or when actually delivered to Borrower's
notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. Ile notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender Stall be given by delivering it or by mailing It by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower. Any notice in
connection with th s Security Instrument shall not be deemed to have been given to Lender until actually
received by Lende:•. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
16. Governuag Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federd law and the law of the jurisdiction in which the Property is located. All rights and
obligations contair ed in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or: implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in f ds Security Instrument: (a) words of the masculine gender shall mean and include
corresponding newer words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Bene&W,Inter*q in Borrower. As used in this Section 18,
"Interest in the Prcperty means any legal or beneficial )nli in the Property, including, but not limited
to, those beneficial Interests transferred In a bond for deers` contract for deed, installment sales contract or
escrow agreement, the Intent of which is the transfer of titre by Borrower at a future date to a purchaser.
If all or any I art of the Property or any Interest in the Property is sold or transferred (or If Borrower
is not a natural pet son and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent. Lender may require immediate payment in full of all sums secured by this Security
Instrument. Howe-rer, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period o' not less than 30 days from the date the notice is given in accordance with Section 1S
within which Borr )wer must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period. Lender may Invoke any remedies permitted by this
Security Instrumen : without further notice or demand on Borrower.
19. Borrower's Rigbt to Reinstate After Acceleration. If Borrower meets certain conditions.
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained In
this Security lnstntment; (b) such other period as'Applicable Law might specify for the termination of
Borrower's right i o reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are thaw Borrower: (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
VMP-6A(PA) (osw)
Pap rz or IS Form 30 1/01
SK ! 929PGO735
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited
to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's Interest in the Property and rights under this Security Instrument; and (d)
takes such action ;s Lender may reasonably require to assure that Lender's Interest in the Property and
rights under this S.-curity Instrument, and Borrower's obligation to pay the sums secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and
expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c)
certified check, batik check, treasurer's check or cashier's check, provided any such check is drawn upon
an Institution whose deposits are Insured by a federal agency, instrumentality or entity; or (d) Electronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain fully effective as if no acceleration had occiirred. However, this right to reinstate shall not
apply In the case of acceleration under Section 1S.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change In the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
one or more chang:s of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Services-, the address to which payments should be made and any other information RESPA
requires in coanection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided:by the Note purchaser.
Neither Born wer nor Lender may commence, join,: or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrumen: or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Sec irity Instrument, until such Borrower or Lender has notified the other party (with such
notice given In compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section IS shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21, Hazardous Substances. As used in this Sec46t 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable or toxic petroleum products, tordc pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b) "Environments: Law" means federal laws and laws of the jurisdiction where the Property is located that
relate to health, si fety or environmental protection: (c) "Environmental Cleanup" includes any response
action, remedial ar tion, or removal action, as defined in Environmental Law; and (d) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
u,ar? q?
vtm;sAiwal rosM Vag 130(,6 Form 30 trot 1
8K ! 929P,;0 736
Borrower steal I not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or thre ilea to release any Hazardous Substances, on or In the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law. (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substan •e, creates a condition that adversely affects the value of the Property. 'The preceding
two sentences shall not apply to the PPresence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to. be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by my governmental or regulatory agency or private party involving the Properly and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hat ardour Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substan:e which adversely affects the value of the Property. If Borrower learns, or Is notified
by any government al or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous ? ubstance affecting the Property Is necessary, Borrower shall promptly take all necessary
remedial actions it accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Envi ronmental Cleanup.
NONUNIFO RM COVENANT'S. Borrower and Lender further covenant and agree as follows:
22. Accoleration; Remedies. Leader shall give notice to Borrower prior to acceleration following
Borrower's bread it of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify
Borrower of, amo ig other things: (a) the default; (b) the action required to cure the defaah; (c) when
the default must be cared; and (d) that failure to cure the default as specified may result in
acceleration of this sums secured by this Security Instrument, foreclaaure by judicial proceeding and
sale of the Proper.y. Leader shag farther inform Borrower of the right to reinstate after acceleration
and the right to assert in the foreclosure proceed ng the non-existence of a default or any other
defense of Borrower to acceleration and foreclosure. Iftho default is not cured as specified, Lender at
its option may reluire immediate payment in fall of all sums secured by this Security Instrument
without further d-tmand and may fireclose this Security Instrument by judicial pioce eftg. Lender
shall be entitled to collect all expenses incurr ad in pursuing the remedies providVn this Section 22,
including, but no: limited to, attorneys' fees and casts of We evidence to the extent permitted by
Applicable Law.
23. Release. Jpon payment of all sums secured by this Security Instrument, this Security Instrument
and the estate conveyed shall terminate and become void. After such occurrence. Lender shall discharge
and satisfy this Security Instrument. Borrower shall' pay any recordation costs. Lender may charge
Borrower a fee for releasing this Security Instrument',' but only if the fee is paid to a third party for services
rendered and the charging of the fee 1s permitted under Applicable Law.
24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or
defects in proceedi igs to enforce this Security Instrument, and hereby waives the benefit of any present or
future laws providing for stay of execution, extension of time. exemption from attachment, levy and sale,
and homestead exe aption.
25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one
hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security
Instrument.
26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument Is lent to
Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
27. Interest Rate After Judgment. Borrower`agree?,I?h I the interest rate payable after a Judgment is
entered on the No, a or in an action of mortgage forecl%re shall be the rate payable from t me to time
under the Note.
ra
VMP -SA(PA) (=2) Pager 16 of 16 Form 30 1101
$K 192`-?PG0737
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In this
Security Instrument and in any Rider executed by Borrower and recorded with ft.
Witnesses:
E-1 `rte `_---
-Witness
-wits
JOHNA ?(f X901 t?l 1L (Seal)
-Borrower
P P.
1, Ar" lwk4
Seal)
ENNFM A. KHMELON -Borrower
(Seal)
Borrower
(Seal)
-Borrower
(Seal) (Seal)
-Bomwer -Borrower
(Seal) (Seal)
-Borrower -Borrower
VMFLSA(POA) (osw) Pegs is of 16
(Sign Original Only)
Form 3038 1101
011
qn 1 929FG0738
COMMONWEALTH OF PENNSYLVANIA,
On this, the 28th day of October, 2005
undersigned offices, personally appeared
JOHNATHAN A. B 3RDELON AND JENNIFER A. BORDELON
Franklin County aa:
. before me, the
known to me (or
satisfactorily proof n) to be the person(s) whose name(s) lWare subscribed to the within instrument and
acknowledged that EieOWthey executed the same for the purposes herein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
My Commission E.-spires:
NOTARIAL SEAL
?t?,L,E l FAUST
tjohmy Public
tip
F UN COUNTY
ires N 0 201)8
Exp
Fmy ? CSI
Notary Public
Title of Officer
Certificate of Residence
I, Dawn E. Monn , do hereby testify that
the correct address of the within-named Mortgagee B P.O. Y Box 2026. Flint, MI 48501-2026.
Witness my hand this 28th day of October, 2005
Dawn E. Monn
Agent of Mortgagee
VMP-GA(PA) (osoz) Paps is ar le
ww Ca'
Form 303 /01
Dil
U111929P60739
c
EXHIBIT "A" - LEGAL DESCRIPTION
Borrower: Johna:han P. Bordelon and Lender: First Guaranty Mortgage Corp.
Jennifer A. Bordelon
1554'Williams Grove Road
Mechanicsburg, PA 17055
ALL that certain tract or parcel of land situate in Monroe Township, Cumberland County,
Pennsylvania, mon! particularly bounded and described as follows:
BEGINNING at a point in the center of public road leading from Williams Grove
Park to the 1) & M Junction, which point is South 61 degrees 34 minutes West 227.9
feet from a point in the center of the bridge over the Yellow Breeches Creek., said
point is also at the western end of a bridge leading over the Mill Race, and at line of
other land r.ow or formerly of Roy E. Richwine, Jr.; thence by the center of the said
public road, South 68 degrees 42 minutes West 662 feet to a point; thence by the
same, South 55 degrees 53 minutes West 250.2 feet to a point at the western right-of-
way line of the Dillsburg and Mechanicsburg Railroad; thence by said right-of-way
line, North 22 degrees 23 minutes East 1,026 feet to a point; thence by land now or
formerly of Roy E. Richwine, Jr., South 31 degrees 45 minutes East 176.5 feet to a
point; thence by same, South 48 degrees 45 minutes East 171 feet to a point; thence
by the same, South 66 degrees 53 minutes East 171.6 feet to a point; thence by same,
South 14 de grees East 242.1 feet to a point in the center of the aforementioned public
road, the puce of BEGINNING. CONTAINING 7.1 acres.
BEING the; same real estate conveyed to Johnathan P. Bordelon and Jennifer A. Bordelon,
husband and wife, by deed of Arthur T. Nielson, widower, dated June 21, 2005 and intended to be
recorded immediat--ly prior to the recording of this mortgage.
8K 19291'G0740
1*1 < < '
N
After Recording Ruturn To:
FIRST GUARANTY MORTGAGE CORPORATION
5303 SPECTRUM )RIVE, SUITE D
FREDERICK, MD 21703
Prepared By:
FIRST GUARANTY MORTGAGE CORPORATION
5303 SPECTRUM 3RNE, SUITE D
FREDERICK, MD ::1703
888.295.7899
[Space Above This Line For Recording Data]
LOAN NO.: 5802509014 MIN: 100031456025090144
MERS Phone: 1-888-679-6377
InterestOnly ADJUSTABLE RATE RIDER
(Six-Month LIBOR Index (As Published in The Wall Street Iournal) - Rate Caps)
THIS InterestOnly ADJUSTABLE RATE RIDER is made this 28th day of OCTOBER, 2005
and Is incorporated into and shall be deemed to amend and. supplement the Mortgage, Deed of Trust, or
Deed to Secure Debt ((he "Security Instrument") of the same date given by the undersigned (the
"Borrower") to secure Borrower's Note to
FIRST GUARANTY MORTGAGE CORPORATION
(the "Lender") of the same date and covering the property described in the Security Instrument and located
at: 1554 WILLIAMS GROVE ROAD, MECHANICSBURG, PA 17055-
[Property Address]
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST
RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY
ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM
RATE I MUST PAY.
ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borroi ter and Lender further covenant and agree as follows:
A. INTEREST RATE AND MONTHLY PAYMENT CHANGES
The Note prov ides for an initial interest rate of 8.250 %. The Note provides for changes In
the interest rate an,I the monthly payments, as follows:
COW
'89C•ARM Rider k*kk
FE4279 p41o) Pipe 1 of 4 LENDER SUPPORT SYSTEMS. INC. COU-4270. s)
IT'
EK 1929PG074 I
t'
/, L 6
4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay will change on the first day of NOVEMBER, 2007 , and on that day
every sixth month iereafter. Each date on which my interest rate could change Is called a "Change Date."
(B) The Index
Beginning witii the first Change Date, my interest rats will be based on an Index. The "Index" is the
average of interbaidc offered rates for six month U.S. dollar-denominated deposits In the London market
("LIBOR"), as published in 'the Wall Street Journal. The most recent Index figure available as of the date
45 days before the Change Date is called the "Current Index."
If the Index I: no longer available, the Note Holder will choose a new index that is based upon
comparable information. The Note Holder will give me notice of this choice.
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding
SEVEN AND ONE QUARTER percentage points ( 7.250 %)
to the Current Inds x. The Note Holder will then round the result of this addition to the nearest one-eighth
of one percentage point (0.125%). Subject to the limits stated In Section 4(D) below, this rounded amount
will be my new Int arest rate until the next Change Date.
The Note Hol ler will then determine the amount of the monthly payment that would be sufficient to
repay the unpaid p incipal that I am expected to owe at the Change Date in full on the Maturity Date at my
new interest rate hi substantially equal payments. The result of this calculation will be the new amount of
my monthly payment.
(D) Limits on Interest Rate Changes
The interest rate I am required to pay at the first Change Date will not be greater than
11.250 `5 or less than 7.250 %. Thereafter, my interest rate will never be Increased
or decreased on any single Change Date by more than ONE AND 000/1000THS percentage point(s)
( 1.000 %) from the rate of interest I have been paying for the preceding six months. My
interest rate will rimer be greater than 14.250 % or less than 7.250 %.
(E) Effective : )ate of Changes
My new intemst rate will become effective on each Change Date. I will pay the amount of my new
monthly payment beginning on the first monthly payment date after the Change Date until the amount of
my monthly payment changes again.
(F) Notice of wages
Before the effective date of any change In my Interest rate and/or monthly payment, the Note Holder
will deliver or mail to me a notice of such change. The notice will include information required by law to
be given to me and also the title and telephone number of a person who will answer any question I may
have regarding the notice.
cow
•ecAaM R+ea
F64279 (04101 pope 2 or 4
EIK 1929PGO742
.y.
IW
¦ - 4 ...
(0) Date of First Principal and Interest Payment
The date of my first payment consisting of both principal and interest on this Note (the "First Principal
and Interest Payment Due Date") shall be the first monthly payment date after NOVEMBER 01, 2010 .
s
(B) TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
Uniform Cove.ant 18 of the Security Instrument is amended to read as follows:
Trans fer of the Property or a Beneficial Interest in Borrower. As used in this Section
18, "Interest i.i the Property" means any legal or beneficial interest in the Property, including.
but not limited to, those beneficial interests transferred In a bond for deed, contract for deed,
installment sales contract or escrow agreement, the intent of which is the transfer of title by
Borrower at a Future date to a purchaser.
If all )r any part of the Property or any Interest, in the Property is sold or transferred (or
If a Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)
without Lender's prior written consent, Lender may require immediate payment in full of all
sums secured by this Security Instrument. However, this option shall not be exercised by Lender
If such exercis: is prohibited by Applicable Law.
If Lender exercises the option to require immediate payment in full. Lender shall give
Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from
the date the lattice is given in accordance with Section 15 within which Borrower must pay all
sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the
expiration of tits period, Lender may invoke any remedies permitted by this Security Instrument
without further notice or demand on Borrower.
<xNv
OW,MM MdK
FE-4279 poo)
Pop 3 of 4
6* ;A#
9KI929PG0743
A. ??) Seal)
-Barrowrr rLWUMELRA. -Borrower
ic-al) (Seal)
-Borrower -Borrower
lSeal) ??!)
-Borrower -Borrower
Sea1) (Seal)
-Borrower -Borrower
CONY
*W-ARM Wor
FE 4278 (o4ie) P"s 4 or 4
I Certify this to be recorded
in Cumberland County PA
U-1
OKI929PG0744
EXHIBIT `B'
V
InterestOnly ADJUSTABLE RATE NOTE
(Six Month LIBOR Index (As Published in The 1%/1 Street lournah - Rate Caps) .
LOAN NO.: 5802509014 MIN: 100031458025090144
ME RS Rhone: 1.888.879.8377
4.
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST, RATE AND MY
MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY ADJUSTABLE INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE 1 MUST PAY.
OCTOeBt 28, 2005
WAYNESBORO PMNSYLVANiA
1Datel ICtty IStatel
1554 WN JAMS GROVE RDAD, MSCHANICSOUR0, PA 17055-
tProperty Addmsl
1.. BORROWER' S PROMISE TO PAY
In return for a loan that I have received, I promise. to pay U.S. $ 383.900.00 (this 'amount is called
"Principal"), plus interest, to the order of Lender. Lender is '
FlRST GUARANTY MORTGAGE CORPORATION
1 will make all payments under this Note in the form of cash, check or money order.
I understand that Lender may trannsfer this Mote. Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Note is called the "Note Holder."
2.. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid.: I• will pay interest
at a yearly rate of 8.250 96. The interest rate I will pay may change in accordance with Section 4 of this Note.
The interest rate required by this Section 2 and Section 4 of this Note Is the rate I will pay both before and after
any default described In Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will make a payment on the 1st day of every.month, beginning on DE CEMNA 2005. ; Before the First
Principal and Interest Payment Due Date as described In Section 4 of this Nate, my payment will consist only of the
interest due on the unpaid principal balance of this Note. Thereafter. I will pay principal and, interest by making a
payment every mouth as provided below.
I will make my monthly payments of principal and interest beginning on the First Principal and Interest Payment
-Due Date as described in Section 4 of this Note. I will make these payments every month until I have paid all of the
principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will
be applied as of its scheduled due date, and if the payment includes both principal and Interest, it will be applied to
interest before Principal. If, on NOVE NDER 01. 2035 I still owe amounts under this Note, I will-pay those amounts in
full on that date. which Is called the "Maturity Date."
I will make my monthly payments at RRST GtW%hNTY MORTGAGE CORPORATION
8180 GRF.9NSOM DRIVE #500. MCLEAN. VA 22102
or at a different place If required by the Note Holder.
(B) Amount of My Initial Monthly Payments
My initial monthly payment will be in the amount of U.S. $ 2,839.31 before the First Principal and
Interest Payment Due Date, thereafter it will be in an amount sufficient to repay the principal and interest at the rate
determined as described in Section 4 of this Note in substantially equal Installments by the Maturity Date. The Note
Holder will notify me prior to the date of change in monthly payment.
cow
08C- tiru.? (/7
FE-4278 (Mtol Pap I of 5 LENDER SUPPORT SYSTEMS. INC. COU•4276.COU (03106)
(C) Monthly Payment Changes
Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate
that I must pay. The Note Holder will determine my new Interest rate and the changed amount of my monthly payment in
accordance with Section 4. of this Note. .
4. ADIUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The initial fixed interest rate I will pay win change to an adjustable interest rate on the first day of
NOVEMSE , 2007 , and the adjustable interest rate I will pay may change on that day every sixth month thereafter.
The date on which my Initial fixed Interest rate changes.. to an adjustable Interest rate, and each date on which my
adjustable Interest rate could change, is called a "Change Dte."
(B) The Index
Beginning with the first Change Date, my interest rate will be based on an Index. The "Index"'is the average of
interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in
The W511 Street Journal. The most recent Index figure available as of the date 45 days before the.Change Date is called
the "Current Index."
If the Index is no longer available, the Note Holder will, choose a new index that is based .upon comparable
information. The Note Holder will give me notice of this choice.
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest ! rate by adding
SEVEN AND ONE QUARTER percentage points ( : 7.250 %) to the Current Index, i The Note Holder
will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the
limits stated In Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. '
The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the
unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in
substantially equal payments. The result of this calculation will be the new amount of my monthly payment.
(D) Limits an Interest Rate Changes
The interest rate I am required to pay at the first Change Date will not be greater than .1 1.250
%
,or less than 7.250 96. Thereafter, my Interest rate will never be Increased or decreased on any single
Change Date by more than ONE AND 00011000THS , percentage point(s) ( 1.0Q0 • %) from
the rate of interest I have been paying for the preceding 'six months, My interest rate will never be greater than
14.250 % or less than 7.250 9(,,
(B) Effective Date of Changes
My new interest rate will become effective on each Change Date. I will pay the amount' of " my new monthly
payment beginning on the first monthly payment date after the Change Date until the amount of"my-monthly payment
changes again.
(F) Notice of Changes
Before the effective date of any change in my interest rate and/or monthly payment, the Note Holder will deliver
or mail to me a notice of such change. The notice will Include information required by law to be given to me and also the
title and telephone number of a person who will answer any question I may have regarding the notice.'
(G) Date of First Principal and Interest Payment
The date of my first payment consisting of both principal and interest on this Note (the-"First Principal and
Interest Payment Due Date") shall be the first monthly payment date after NOVERABER01, 2090 -
5.. BORROWER'S RIGHT TO PREPAY , .
I have the right to make payments of Principal at any time before they are due. A prepayment of all the unpaid
principal is known as a "Full Prepayment." A prepayment of only part of the unpaid principal is known as a "Partial
Prepayment."
-cowV
06GApM Kweat0"ly Note
F64278 p4l of Pans 2 of 5
• r
If I make a Partial Prepayment equal to one or more of my'monddy payments, my due date may be advanced no
more than one month. If I make any other Partial Prepayment, 1 :must still make each later payment as'lt becomes due and
in the same amount. I may make a Full or a Partial Prepayment at any time.
0 If this box Is checked, no prepayment penalty will be charged on this loan. ' r
® If this box Is checked, I have selected a loan.'which has a prepayment penalty. The Prepayment Penalty
Addendum attached hereto and made a part hereof deftnes the terms of the prepayment penalty. I understand that by
agreeing to pay a prepayment penalty I acknowledge that my interest rate and/or fees are lower than they would be
without a prepayment penalty.
6. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges. is finally lnterpreted so that the
Interest or other loan charges collected or to be collected In. connection with this loan exceed the permitted limits, then:
(a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any
sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to
make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund
'reduces Principal, the reduction will be treated as a partial Prepayment.
7.' BORROWER' S FAILURE TO PAY AS REQUIRED
(A) Late Charges for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar
days after the date It is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5-DOO %
of.my overdue payment of interest, during the period when my payment is Interest only, and of principal and Interest
thereafter. I will pay this late charge promptly but only once on each late payment.
(B) Default ?•+
If I do not pay the full amount of each monthly payment ha the date It is due, I will be in default.
(C) Notice of Default
If I am In default, the Note Holder may send tae a written notice telling me that if I do not, pay the overdue
amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal that has not
been paid and all the interest that I owe on that amount.' That date must be at least 30 days after the date on which the
notice Is mailed to me or delivered by other means.
(D) No Waiver By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as
described above, the Note Holder will still have the right to do so if I am In default at a later time.
(E) Payment of Note Holder's Costs and Expenses:
If the Note Holder has required me to pay immedlately In full as described above, the Note Holder will have the
right to be paid back by me for all of its costs and expenses In enforcing this Note to the extent not prohibited by
applicable law. Tbose expenses include, for example, reasonable attorneys' fees.
a.' GIVING OF NOTICES "
Unless applicable law requires a different method, "any notice that must be given to me under this Note will be
given by delivering it or by nailing it by first class mail to me at the Property Address above or at a different address if I
give the Note Holder a notice of my different address.
Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this
Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3W above or at a
different address If I am given a notice of that different address.
COW ,
•ec-Nw MtrastWy Notes
F64278 (o4lor P.Q.3 of 5 Yaleh 1
.l
j
9.- OBLIGATIONS OF PERSONS UNDER TEIIS NOTE {
If more than one person sagas this Note, each person is fully and personally obligated to keep;all of the promises ;
made in this Note, Including the promise to pay the full amount owed. Any person who Is a guarantor; surety or endorser
of this Note Is also obligated to do these things. Any person who takes over these obligations, including the obligations
"of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note
Holder may enforce its rights under this Note against each person individually or against all of us together. This means
that any one of us may be required to pay all of the amounts owed under this Note.
• is
10. WAIVERS ; ••
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of
Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts:due. "Notice of
Dishonor" means the right to require the Note Holder to give notice to other persons that amounts ;due have not been
paid.
11. SECURED NOTE
In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security
Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from.possible losses that
might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under
what conditions I may be required to make Immediate payment In full of all amounts I owe under this Note. Some of
those conditions read as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred (or if
Borrower is not a natural person and a bene8dal interest In Borrower Is sold or transferred), without
Lender's prior written consent, Lender may require Immediate payment is full of an sums secured by this
Security Instrument. However, this option shall not be exercised by Lender U such exercise is prohibited
by Applicable Law.
If Leader exercises this option, Lender shall give Borrower notice of acceleration.'. The notice
shall provide a period of not less than 30 days from the date the notice is given in accordance with
Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower
fails to pay these sums prior to the expiration of this period, Leader may invoke any remedies permitted
by this Security Instrument without further notice or demand on Borrower.
cony
OW,ARIM htwesWnly mote
FE-4278 pooh
I
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
N ? seal)
p n,, -Borrower JBd (F8t -B«mwCr
.. rs?,,,) .. rsean
-Borrower ' • .Borrower
(Seal) , (Seal)
-Borrower -Borrower
Seal)
-Borrower -Borrower
[Sign original only]
E
MIN: 100031458025090144 LOAN NO. `5802509014
MEFtS Phone: 1-8884794377
PREPAYMENT NOTE ADDENDUM
This Prepayment Note Addendum Is made this 28th day of OCTOIM 2005 and is incorporated
Into and shall be deemed to amend and supplement the Note of the same date (the "Note") made by the
undersigned (the "Borrower") to evidence indebtedness to
FRST GUARAMY MORTGAGE COtiPMTION
(the "Leader"),
which debt is secured by a Mortgage or Deed of Trust or comparable security instrument {the` "Security
Instrument") of the same date and covering the property described In the Security Instrument.and located at
1554 WIWAM8 GROVE ROAD, MW ANICSWFA PA 17055-
(the."Property").
Additional Covenants. Notwithstanding anything to the contrary set forth in the- Note or
Security Instrument, Borrower and Lender covenant, and agree, that the provisions of the -section of the
Note entitled "BORROWER'S RIGHT TO PREPAY" or "BORROWER'S PAYMENTS BEFORE THEY
ARE DUE" are amended to read as follows:
If borrower(s) makes r ayment of this loan during the first 24 months of -the Note term
beginning on the date tphe Secnrlty Instrument Is executed, Borrower(s) will pay a prepayment charge
in the amount of six ( 8 ) months' .advanced interest on the amount by which the aggregate
prepayments made within any consecutive twelve-month period exceed twenty percent (20%yof the
original principal amount of the Note. No Prepayment charge will be assessed for any Prepayment
occurring after the Penalty Period.
Notwithstanding the foregoing, in the event of a full prepayment concurrent with :a bona fide
sale of the Property to an unrelated third party, no prepayment penalty will be assessed. In that
event, I agree to provide the Note Holder with evidence acceptable to the Note Holder of such sale.
All other provisions of the Note are unchanged and remain in full force and effect.
NOTICE TO BORROWER: Do not sign this Addendum before you read, it. This
Addendum provides for the payment of a prepayment charge if you wish to repay the loan
prior to the date provided for repayment in the Note.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED:
JOFINA AN X BO DELON (Seal) (Seal)
P. .Borrower.: J NIFJtR A. D ON -Borrower
(Seal). i. (mil)
-Borrower 'Borrower
LENDER SUPPORT SYSTEMS INC. FGWP.PI.FGM (04/04)
EXHIBIT ` 9
EMC
Mortgage
Corporation
January 17, 2008
7104 5400 2100 1576 2700
110 0 0 1 2 9 0 5 4 8
Johnathan A Bordelon
1554 Williams Grove Rd
Mechanicsburg, PA 17055-5338
ACT I
ROM NTOORSAVECLOSUYORUR
TAOME F
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 of the default is provided in the attached pages.
IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ON PAGE FOUR
The Homeowners' Emergency Mortgage Assistance Program (HEMAP) may be able to help to save your home. This notice explains
how the program works.
To see if HEMAP can help you, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 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 of this
Notice. If you 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).
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 Notificaion en adjunto es de suma importancia, pues afecta su derecho a continuer viviendo en su casa. Si no comprende el
contenido de esta notificion obtenga una traduccion immediatamente Ilamando esta agencia (Pennsylvania Housing Finance Agency)
sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por el programa Ilamado "Homeowners' Emergency
Mortgage Assistance Program" al cual puede salvar su casa de la perdida del derecho a redimir su hipoteca.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCOUNT NUMBER:
CURRENT SERVICER
Johnathan A Bordelon
1554 Williams Grove Rd
Mechanicsburg, PA 17055-5338
0013238191
EMC Mortgage Corporation
Page two
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
0013238191
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 provision of the Homeowners' Emergency Mortgage Assistance Act of 1983 (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 Pennsylvania Housing Finance Agency.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of the 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 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 your property is located
are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise this 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 Homeowners' Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowners' 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 for the program and they will assist you in submitting a complete application 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 FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE
OTHER TIME PERIODS SET FORTH IN THIS 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 1554 Williams Grove
Rd Mechanicsburg, PA 17055-5338 IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now
past due:
(a) Monthly payments from 10/01/2007: $15,033.46
(b) Late charge(s): $622.39
(c) Other charge(s): NSF and Advances $148.90
(d) Less: Credit Balance $0.00
(e) Total amount required as of 01/16/2008: $15,804.75
YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (if applicable):
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYS from the date of this Notice BY
PAYING THE TOTAL AMOUNT PAST DUE TO LENDER, WHICH IS $15,804.75, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES (and other 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 to EMC Mortgage Corporation at Po Box
660530 Dallas, TX 75266-0530.
Page three 0013238191
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the
lender intends to exercise its right 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, EMC Mortgage Corporation also intends to instruct their attorneys to start
a legal action to foreclose upon your mortgaged property
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt.
If the lender refers your case to its attorneys, but you cure the delinquency before they begin 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, if legal proceedings are
started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they are over $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 attorneys' fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance, and all other sums due
under the mortgage.
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, charges then
due, reasonable attorneys' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs 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 Sheriffs Sale of the mortgaged
proprty could be held would be approximately five (5) months from the date of this Notice. A notice of the actual date of the
Sheriffs 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: EMC Mortgage Corporation
Address: Po Box 660530 Dallas, TX 75266-0530
Telephone Number: 1-888-609-2379
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 furniture 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 attorneys' 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. (However, you do not have this right to cure
your default more than three times in any calendar year).
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.
Page four
0013238191
EMC Mortgage Corporation is attempting to collect a debt, and any information obtained will be used for that purpose
Federal law gives you thirty days after you receive this letter to dispute the validity of this debt or any part of it. Unless you
dispute the debt within that 30 day period, we will assume that it is valid. If you notify us in writing at the address above
within the thirty day period that the debt, or any portion thereof, is disputed, we will:
1) Provide to you verification of the debt or a copy of any judgment entered against you.
2) Provide to you the name and address of your original creditor, if the original creditor is different from the current
creditor.
Sincerely,
EMC Mortgage Corporation
EMC Mortgage Corporation Po Box 660530 Dallas, TX 75266-0530, 1-888-609-2379
Appendix B
Consumer Credit Counseling Agency
Notification To:
Date
Name of Mortgagee:
Address:
In accordance with the Pennslyvania Homeowner's Emergency Mortgage Assistance Program (Act 91 of 1983), we have been
approached for mortgage counseling assistance by:
Name of Applicant
Address
Telephone Number
Mortgage Loan Number
Address of property on which mortgage is in default,
If different from above.
The counseling agency met with the above named applicant on
Date
Who have indicated that they are more than sixty (60) days delinquent on their mortgage payments and have received notification to
foreclosure from:
Name and Address of Mortgage
In accordance with the Homeowner's Emergency Mortgage Assistance Program, this is to inform you that:
1. If the delinquency cannot be resolved with in the 30 day forbearance period as provided by the Servicer, the applicant
listed above may apply to the Pennsylvania Housing Finance Agency for Homeowner's Emergency Mortgage Assistance.
2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a
mortgage on the property identified above.
3. It is our understanding that the 30 day forbearance period in which we are now in ends on
4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not
met by the homeowner.
Indicates Counties Serviced
Acorn Housing Corporation Americon Financial Counseling Services
846 North Broad Street 1 Abington Plaza, Suite 403
Philadelphia, PA 19130 Old York Road and Township Line
(215) 765-1221 Jenkintown, PA 19046
`Bucks, Chester, Delaware, Montgomery, (800) 490-3039
Philadelphia 'Delaware, Montgomery
Action Housing Inc American Financial Counseling Services
425 6th Avenue, Suite 950 175 Strafford Avenue, Suite One
Pittsburgh, PA 15219 Wayne, PA 19087
(412) 281-2102 800) 490-3039
'Allegheny, Beaver, Butler, Fayette, Greene, 'Bucks, Chester, Delaware, Mongomery,
Washington, Westmoreland Philadelphia
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
(717) 334-1518
'Adams, Cumberland, Franklin, York
American Financial Counseling Services
906 Penn Avenue
Wyomissing, PA 19610
(610) 780-0680
"Becks
Advocates for Financial Independence
1806 S Broad Street, Suite 1 B
Philadelphia, PA 19145
(215) 389-2810
'Philadelphia
Allegheny County Acorn
5907 Penn Avenue, Suite 300
Pittsburgh, PA 15206
(412) 441-6551
'Allegheny
American Credit Counseling Institute
21 S Church Street
West Chester, PA 19380
(888) 212-6741
'Chester
American Credit Counseling Institute
300 North Pottstown Pike, Suite 210
Exton, PA 19341
(888) 212-6741
'Berks, Bucks, Montgomery
American Credit Couseling Institute
528 Dekalb Street
Norristown, PA 19401
(610) 971-2210
'Montgomery
American Credit Counseling Institute
530 W Street Road, Suite 201
Warminster, PA 18974
(215) 444-9429
'Bucks, Montgomery, Philadelphia
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
(888) 212-6741
'Bucks, Chester, Montgomery, Philadelphia
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
(888) 212-6741
'Berks, Bucks, Montgomery
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
(717) 637-3768
`Adams, Franklin, York
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
(610) 874-1484
'Chester, Delaware
APM
2147 Norht Sixth Street
Philadelphia, PA 19122
(215) 235-6788
'Chester, Delaware, Philadelphia
Armstrong CO Community Action Agency
124 Armsdale Road, Suite 211
Kittanning, PA 16201
(724) 548-3405
'Armstrong
Blair County Community Action Agency
2100 6th Avenue, Suite 102
P.O. Box 1833
Altoona, PA 16602
(814) 946-3651
'Blair)
Booker T. Washington Center
1720 Holland Street
Erie, PA 16503
(814) 453-5744
'Crawford, Erie, Warren
Bucks County Housing Group
200 West Bridge Street
Morrisville, PA 19067
(866) 866-0280
'Bucks
Bucks County Housing Group
2324 Second Street Pike, Suite 17
Wrightstown, PA 18940
(866) 866-0280
'Bucks
Bucks County Housing Group
349 Durham Road
Penndel, PA 19047
(866) 866-0280
'Bucks
Bucks County Housing Group
470 Old Dublin Pike
Doylestown, PA 18901
(866) 866-0280
'Bucks
Bucks County Housing Group
515 West End Blvd
Quakertown, PA 18951
(866) 866-0280
'Bucks
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
(610) 375-7866
'Becks, Chester, Schuylkill
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia, PA 19131
(215) 877-1157
'Chester, Delaware, Philadelphia
CCCS of Delaware Valley
1230 New Rodgers Road, Suite F1
Bristol, PA 19007
(215) 563-5665
'Bucks
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
(215) 563-5665
'Bucks, Delaware, Montgomery, Philadelphia
CCCS of Delaware Valley
1777 Sentry Parkway W, Suite 200
Blue Bell, PA 19422
(215) 563-5665
'Montgomery
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
(215) 563-5665
'Delaware
CCCS of Delaware Valley
Marshal Building
790 E Market St, Suite 170
West Chester, PA 19382
(215) 563-5665
'Chester, Delaware
CCCS of Delaware Valley
Catholic Social Services Building
7340 Jackson Street
Philadelphia, PA 19136
(215) 563-5665
'Bucks, Philadelphia
CCCS of Delaware Valley
One Cherry Hill, Suite 215
Cherry Hill, PA 08002
(215) 563-5665
'Philadelphia
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
(610) 821-4011
`Berks, Bucks, Carbon, Lancaster, Lehigh,
Northhampton, Schuylkill
" Indicates Counties Serviced
CCCS of Northeastern PA
1400 Abington Exec. Park, Suite 1
Clarks Summitt, PA 18411
(570) 587-9163
'Carbon, Columbia, Lackawanna Lycoming,
Monroe, Montour, Northumberland, Pike,
Sullivan, Tioga, Union, Wayne, Wyoming
CCCS of Northeastern PA
201 Basin Street, Suite 6
Williamsport, PA 17701
(570) 323-6627
"Centre, Clinton, Lycoming, Northumberland
Union
CCCS of Northeastern PA
202 W Hamilton Avenue
State College, PA 16801
(814) 238-3668
'Blair, Centre, Clearfield, Clinton, Huntingdon,
Juniata, Mifflin
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
(570) 602-2227
'Bradford, Carbon, Columbia, Lackawanna,
Lycoming, Monroe, Montour, Northumberland,
Pike, Sullivan, Tioga, Union, Wayne, Wyoming
CCCS of Northeastern PA
411 Main Street, Suite 104
Stroudsburg, PA 18360
(570) 420-8980
'Bradford, Carbon, Monroe, Pike, Wayne
CCCS of Western PA
1 North Gate Square #2
Garden Center Dr
Greensburg, PA 15601
(888) 511-2227
'Fayette, Greene, Indiana, Somerset,
Washington, Westmoreland
QCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
(888) 511-2227
'Adams, Cumberland, Dauphin, Franklin, Perry,
Synder, York
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
(888) 511-2227
`Cambria, Clearfield, Indiana, Somerset
CCCS of Western PA
312 Chestnut Street, Suite 227
Meadville, PA 16335
(1388) 511-2227
'Lawrence
CCCS of Western PA
41 East Chestnut Street
Washington, PA 15301
(888) 511-2227
'Washington
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
(888) 511-2227
'Crawford, Erie, Warren
CCCS of Western PA
524 Franklin Avenue
Aliquippa, PA 15001
(888) 511-2227
'Cameron
CCCS of Western PA
917 A Logan Boulevard
Altoona, PA 16602
(888) 511-2227
'Armstrong, Bedford, Blair, Cambria, Centre,
Clearfield, Huntingdon, Juniata, Mifflin, Union
CCCS of Western PA
971 Third Street
Beaver, PA 15009
(888) 511-2227
'Beaver
CCCS of Western PA
Colonial Shopping Center
970 S George Street
York, PA 17403
(888) 511-2227
`Franklin, Fulton, Lancaster, York
CCCS of Western PA
Pullman Commerce Center
112 Hollywood Dr
Butler, PA 16001
(888) 511-2227
'Butler, Clarion, Jefferson, Mercer, Venango
CCCS of Western PA
River Park Commons
2403 Sidney Street
Pittsburgh, PA 15203
(888) 511-2227
'Allegheny
Chester Community Improvement Project
412 Avenue of the States
P.O. Box 541
Chester, PA 19016
(610) 876-8663
'Chester, Delaware, Montgomery, Philadelphia
Comm. On Econ Opportunity of Luzeme Co.
163 Amber Lane
Wilkes-Barre, PA 18702
(570) 826-0510
'Carbon, Luzeme, Schuylkill, Wyoming
Community Action Commission of Capital
Region
1514 Deny Street
Harrisburg, PA 17094
`Cumberland, Dauphin, Franklin, Perry, Synder
Community Action Committee of the Lehigh
Valley
1337 East Fifth Street
Bethlehem, PA 18015
(610) 691-5620
'Berks, Carbon, Lehigh, Monroe. Northhampton
Community Action Development Comm -
CADCOM
113 E Main Street
Norristown, PA 19401
(610) 277-6363
'Montgomery
Community Action Southwest
150 W Beau Street, Suite 304
Washington, PA 15301
(724) 225-9550
`Washington
Community Action Southwest
58 E Greene Street
Waynesburg, PA 15370
(724) 852-2893
'Allegheny, Fayette, Greene, Washington,
Westmoreland
Congreso
216 West Somerset Street
Philadelphia, PA 19133
(215) 763-8870
'Philadelphia
Council of Spanish Speaking Organization
705-09 North Franklin St
Philadelphia, PA 19123
(215) 627-3100
'Philadelphia
Diversified Community Service
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
(215) 336-3511
'Bucks, Chester, Delaware, Philadelphia
Fair Housing Partnership of Greater Pittsburgh,
Inc.
2840 Liberity Ave., Suite 205
Pittsburgh, PA 15222
(412) 391-2535
'Allegheny
Fayette Co. Community Action Agency Inc
137 North Beeson Avenue
Uniontown, PA 15401
(724) 437-6050
'Fayette, Somerset
FOB CDC
1201 West Only Avenue
Philadelphia, PA 19141
(215) 549-8755
`Bucks, Chester, Delaware, Philadelphia
Frankford CDC
4625 Frankford Avenue, 2nd Floor
Philadelphia, PA 19124
(215) 743-9201
`Philadelphia
Garfield Jubilee Associates
5138 Penn Avenue
Pittsburgh, PA 15224
(412) 665-5200
'Allegheny
Germandtown Settlement
5538 Wayne Avenue Bldg C
Philadelphia, PA 19144
(215) 849-3104
'Bucks, Chester, Delaware, Montgomery,
Philadelphia
* Indicates Counties Serviced
Greater Erie Commun. Action Committee
18 West 9th Street
Erie, PA 16501
(814) 459-4581
*Crawford, Erie, Venango, Warren
Koren Comm. Develop. Services Center
6055 Norht 5th Street
Philadelphia, PA 19120
(215) 276-8830
'Philadelphia
New Life Comm. Housing Devel Corp.
712 Hawkins Avenue
Braddock, PA 15104
(412) 351-4077
*Allegheny, Washington, Westmoreland
HACE
167 W Allegheny Ave., 2nd Floor
Philadelphia, PA 19140
(215) 426-8025
'Bucks, Chester, Delaware, Philadelphia
Housing Alliance of York
35 South Duke Street
York, PA 17401
(717) 854-1541
*York
Housing Assoc. of Delaware Valley
1500 Walnut Street, suite 601
Philadelphia, PA 19102
(215) 545-6010
'Philadelphia
Housing Assoc. of Delawre Valley
658 North Watts Street
Philadelphia, PA 19123
(215) 978-0224
*Philadelphia
Housing Opportunities of Beaver Co
320 College Avenue, Unit 1
Beaver, PA 15009
(724) 728-7511
`Beaver, Lawrence
Housing Partnership of Chester County
41 West Lancaster Avenue
Downingtown, PA 19335
(610) 518-1522
*Chester, Delaware, Montgomery
Huntingdon County Housing Servicing
Weatherization, Inc.
917 Mifflin Street
Huntingdon, PA 16652
(814) 643-2342
'Bedford, Blair, Fulton, Huntingdon, Juniata,
Mifflin, Perry
Indiana Co. Community Action Prog.
827 Water Street Box 187
Indiana, PA 15701
(724) 465-2657
*Armstrong, Cambria, Clearfield, Indiana,
Jefferson, Westmoreland
Intercultural Family Services Inc.
4225 Chestnut Street
Philadelphia, PA 19104
(215) 386-1298
'Philadelphia
Keystone Economic Develop. Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
(814) 535-6556
'Bedford, Blair, Cambria, Clearfield, Indiana,
Somerset, Westmoreland
Lawrence County Social Services, Inc.
241 West Grant Street
P.O. Box 189
New Castle, PA 16103
(724) 658-7258
*Lawrence
Liberty Resources
714 Market Street, Suite 100
Philadelphia, PA 19106
(215) 634-2000
'Philadelphia
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 1711
(717) 232-2207
*Cumberland, Dauphin, Perry
Lycom-Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
(570) 326-0587
*Centre, Clinton, Lycoming, Union
Northern Tier Community Action Corp.
135 West 4th Street
P.O. Box 389
Emporium, PA 15834
(814)4861161
*Cameron, Elk, Mckean, Potter
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
(215) 324-7500
*Bucks, Chester, Delaware, Montgomery,
Philadelphia
Nueva Esperanza
4261 North 5th Street
Philadelphia, PA 19140
(215) 324-0746
'Philadelphia
Pennsylvania Housing Finance Agency
2275 Swallow Hill Rd., Bldg 200
Pittsburgh, PA 15220
(412) 429-2842
*Allegheny
Maranatha PHFA
43 Philadelphia Avenue 211 North Front Street
Waynesboro, PA 17268 Harrisburg, PA 17110
(717) 762-3285 (800-) 342-2397
*Adams, Cumberland, Franklin, Fulton, Perry *Cumberland, Dauphin
Media Fellowship House
302 South Jackson Street
Media, PA 19063
(610) 565-0434
'Chester, Delaware
Philadelphia Council for Comm. Advmnt.
100 N 17th St, Suite 600
Philadelphia, PA 19103
(215) 567-7803
`Chester, Delaware, Montgomery, Philadelphia
Mon Valley Unemployment Committee
1800 West St., 3rd Floor
Homestead, PA 15120
(412) 462-9962
*Allegheny, Washington, Westmoreland
Mt. Airy, USA
6703 Germantown Ave., Suite 200
Philadelphia, PA 19119
(215) 844-6021
'Philadelphia
Nazareth Housing Services
285 Bellevue Road
Pittsburgh, PA 15229
(412) 931-3510
*Allegheny
Neighborhood Housing Services Inc.
213 N 5th St., Suite 1030
Reading, PA 19601
(610) 372-8433
'Berks
Neighborhood Housing Services
710 5th Avenue, Suite 1000
Pittsburgh, PA 15219
(412) 281-9773
*Allegheny
Philadelphia Senior Center
509 South Broad Street
Philadelphia, PA 19147
(215) 546-5879
`Philadelphia
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
(570) 622-1995
*Berks, Carbon, Lebanon, Lehigh, Luzeme,
Northumberland, Schuylkill
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
(724) 981-5310
'Crawford, Lawrence, Mercer
South Philadelphia H.O.M.E.S.
1444 Point Breeze Avenue
Philadelphia, PA 19146
(215) 334-4430
*Philadelphia
Southwest Community Development Corp.
6368 Paschall Avenue
Philadelphia, PA 19142
(215) 729-0800
*Philadelphia
'St. Martin Center
X1701 Parade Street
Erie, PA 16503
(814) 452-6113
'Crawford, Erie, Venango, Warren
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
(814) 445-9628
'Cambria, Fayette, Somerset, Westmoreland
Tabor Community Services
308 E King Street, Suite 1
Lancaster, PA 17602
(717) 397-5182
"Chester, Lancaster, Lebanon
The NORCAM Group
4200 Crawford Avenue, Suite 200
Northern Cambria, PA 15714
(814) 948-4444
'Cambria, Clearfield
The Trehab Center of Northeastern PA
10 Public Avenue
P.O. Box 366
Montrose, PA 18801
(570) 278-3338
"Susquehanna
Indicates Counties Serviced
The Trehab Center of Northeastern PA
115 SR 92S
Tuckhannock, PA 18657
(570) 836-6840
'Wyoming
The Trehab Center of of Northeastern PA
1225 Main Street
Honesdale, PA 18431
(570) 253-8941
'Bradford, Sullivan, Susquehanna, Tioga,
Wayne, Wyoming
The Trehab Center of Northeastern PA
144 E East Avenue
Wellsboro, PA 16901
(570) 724-5252
'Tioga
The Trehab Center of Northeastern PA
German Street
P.O. Box 389
Dushore, PA 18614
(570) 928-9667
'Sullivan
The Trehab Center of Northeastern PA
The Enterprise Center
703 S. Elmer Ave., Suite M-6
Sayre, PA 18840
(570) 888-0412
'Bradford
United Communties Southeast Philadelphia
2029 South 8th Street
Philadelphia, PA 19148
(215) 467-8700
'Philadelphia
Urban League of Philadelphia
1818 Market Street
Philadelphia, PA 19103
(215) 561-6070
'Bucks, Delaware, Philadelphia
Urban League of Pittsburgh
Building for Equal Opportunity
One Smithfield St.
Ptsburgh, PA 15222
(412) 227-4802
`Allegheny
Voices for Independence
3711 West 12th Street
Erie, PA 16505
(800) 838-9890
'Erie
Warren-Forest Counties Economic Opportunity
Council
1209 Pennsylvania Ave W.
P.O. Box 547
Warren, PA 16365
(814) 726-2400
'Forest, Waren
EMC
Mortgage
Corporation
January 17, 2008
7104 5400 2100 1576 2694
I9!4 6qh
Jennifer A Bordelon
1554 Williams Grove Rd
Mechanicsburg, PA 17055-5338
ACT. 91
HOME CTIO FROM N ORECLOSURE
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 of the default is provided in the attached pages.
IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ON PAGE FOUR
The Homeowners' Emergency Mortgage Assistance Program (HEMAP) may be able to help to save your home. This notice explains
how the program works.
To see if HEMAP can help you, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 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 of this
Notice. If you 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).
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 Notificaion en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el
contenido de esta notificion obtenga una traduccion immediatamente llamando esta agencia (Pennsylvania Housing Finance Agency)
sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por el programa llamado "Homeowners' Emergency
Mortgage Assistance Program" al cual puede salvar su casa de la perdida del derecho a redimir su hipoteca.
HOMEOWNER'S NAME(S): Jennifer A Bordelon
PROPERTY ADDRESS: 1554 Williams Grove Rd
Mechanicsburg, PA 17055-5338
LOAN ACCOUNT NUMBER: 0013238191
CURRENT SERVICER EMC Mortgage Corporation
Pagetwo 0013238191
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 provision of the Homeowners' Emergency Mortgage Assistance Act of 1983 (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 Pennsylvania Housing Finance Agency.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of the 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 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 your property is located
are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise this 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 Homeowners' Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowners' 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 for the program and they will assist you in submitting a complete application 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 FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE
OTHER TIME PERIODS SET FORTH IN THIS 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 1554 Williams Grove
Rd Mechanicsburg, PA 17055-5338 IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now
past due:
(a) Monthly payments from 10/01 /2007: $15,033.46
(b) Late charge(s): $622.39
(c) Other charge(s): NSF and Advances $148.90
(d) Less: Credit Balance $0.00
(e) Total amount required as of 01/16/2008: $15,804.75
YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (if applicable):
HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYS from the date of this Notice BY
PAYING THE TOTAL AMOUNT PAST DUE TO LENDER, WHICH IS $15,804.75, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES (and other 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 to EMC Mortgage Corporation at Po Box
660530 Dallas, TX 75266-0530.
Page three 0013238191
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the
' lender intends to exercise its right 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, EMC Mortgage Corporation also intends to instruct their attorneys to start
a legal action to foreclose upon your mortgaged property
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt.
If the lender refers your case to its attorneys, but you cure the delinquency before they begin 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, if legal proceedings are
started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they are over $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 attorneys' fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance, and all other sums due
under the mortgage.
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, charges then
due, reasonable attorneys' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs 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 Sheriffs Sale of the mortgaged
proprty could be held would be approximately five (5) months from the date of this Notice. A notice of the actual date of the
Sheriffs 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: EMC Mortgage Corporation
Address: Po Box 660530 Dallas, TX 75266-0530
Telephone Number: 1-888-609-2379
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 furniture 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 attorneys' 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. (However, you do not have this right to cure
your default more than three times in any calendar year).
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.
Page'four
0013238191
• EMC Mortgage Corporation is attempting to collect a debt, and any information obtained will be used for that purpose.
Federal law gives you thirty days after you receive this letter to dispute the validity of this debt or any part of it. Unless you
dispute the debt within that 30 day period, we will assume that it is valid. If you notify us in writing at the address above
within the thirty day period that the debt, or any portion thereof, is disputed, we will:
1) Provide to you verification of the debt or a copy of any judgment entered against you.
2) Provide to you the name and address of your original creditor, if the original creditor is different from the current
creditor.
Sincerely,
EMC Mortgage Corporation
EMC Mortgage Corporation Po Box 660530 Dallas, TX 75266-0530, 1-888-609-2379
Appendix B
Consumer Credit Counseling Agency
Notification To:
Date
Name of Mortgagee:
Address:
In accordance with the Pennslyvania Homeowner's Emergency Mortgage Assistance Program (Act 91 of 1983), we have been
approached for mortgage counseling assistance by:
Name of Applicant
Address
Telephone Number
Mortgage Loan Number
Address of property on which mortgage is in default,
If different from above.
The counseling agency met with the above named applicant on
Date
Who have indicated that they are more than sixty (60) days delinquent on their mortgage payments and have received notification to
foreclosure from:
Name and Address of Mortgage
In accordance with the Homeowner's Emergency Mortgage Assistance Program, this is to inform you that:
1. If the delinquency cannot be resolved with in the 30 day forbearance period as provided by the Servicer, the applicant
listed above may apply to the Pennsylvania Housing Finance Agency for Homeowner's Emergency Mortgage Assistance.
2. By a copy of this Notice, we are notifying all other mortgagees, if any, which the applicant has indicated as also having a
mortgage on the property identified above.
3. It is our understanding that the 30 day forbearance period in which we are now in ends on
4. No legal action to enforce the mortgage may occur during this forbearance period, unless procedural time limits were not
met by the homeowner.
•
Acom•Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
(215) 765-1221
*Bucks, Chester, Delaware, Montgomery
Philadelphia
* Indicates Counties Serviced
Amencon Financial Counseling Services
1 Abington Plaza, Suite 403
Old York Road and Township Line
Jenkintown, PA 19046
(800) 490-3039
*Delaware, Montgomery
Action Housing Inc American Financial Counseling Services
425 6th Avenue, Suite 950 175 Strafford Avenue, Suite One
Pittsburgh, PA 15219 Wayne, PA 19087
(412) 281-2102 800) 490-3039
*Allegheny, Beaver, Butler, Fayette, Greene, *Bucks, Chester, Delaware, Mongomery,
Washington, Westmoreland Philadelphia
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
(717) 334-1518
*Adams, Cumberland, Franklin, York
American Financial Counseling Services
906 Penn Avenue
Wyomissing, PA 19610
(610) 780-0680
*Berks
Advocates for Financial Independence
1806 S Broad Street, Suite 1 B
Philadelphia, PA 19145
(215) 389-2810
*Philadelphia
Allegheny County Acorn
5907 Penn Avenue, Suite 300
Pittsburgh, PA 15206
(412) 441-6551
*Allegheny
American Credit Counseling Institute
21 S Church Street
West Chester, PA 19380
(888) 212-6741
*Chester
American Credit Counseling Institute
300 North Pottstown Pike, Suite 210
Exton, PA 19341
(888) 212-6741
*Berks, Bucks, Montgomery
American Credit Couseling Institute
528 Dekalb Street
Norristown, PA 19401
(610) 971-2210
*Montgomery
American Credit Counseling Institute
530 W Street Road, Suite 201
Warminster, PA 18974
(215) 444-9429
*Bucks, Montgomery, Philadelphia
American Credit Counseling Institute
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
(717) 637-3768
*Adams, Franklin, York
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
(610) 874-1484
*Chester. Delaware
APM
2147 Norht Sixth Street
Philadelphia, PA 19122
(215) 235-6788
*Chester, Delaware, Philadelphia
Armstrong CO Community Action Agency
124 Armsdale Road, Suite 211
Kittanning, PA 16201
(724) 548-3405
*Armstrong
Blair County Community Action Agency
2100 6th Avenue, Suite 102
P.O. Box 1833
Altoona, PA 16602
(814) 946-3651
*Blaid
Booker T. Washington Center
1720 Holland Street
Erie, PA 16503
(814) 453-5744
*Crawford, Erie, Warren
845 Coates Street Bucks County Housing Group
Coatesville, PA 19320 200 West Bridge Street
(888) 212-6741 Morrisville, PA 19067
*Bucks, Chester, Montgomery, Philadelphia (866) 866-0280
*Bucks
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
(888) 212-6741
'Berks, Bucks, Montgomery
Bucks County Housing Group
2324 Second Street Pike, Suite 17
Wrightstown, PA 18940
(866) 866-0280
*Bucks
Bucks County Housing Group
349 Durham Road
Penndel, PA 19047
(866) 866-0280
*Bucks
Bucks County Housing Group
470 Oki Dublin Pike
Doylestown, PA 18901
(866) 866-0280
*Bucks
Bucks County Housing Group
515 West End Blvd
Quakertown, PA 18951
(866) 866-0280
*Bucks
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
(610) 375-7866
*Berks, Chester, Schuylkill
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia, PA 19131
(215) 877-1157
*Chester, Delaware, Philadelphia
CCCS of Delaware Valley
1230 New Rodgers Road, Suite F1
Bristol, PA 19007
(215) 563-5665
*Bucks
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
(215) 563-5665
*Bucks, Delaware, Montgomery, Philadelphia
CCCS of Delaware Valley
1777 Sentry Parkway W, Suite 200
Blue Bell, PA 19422
(215) 563-5665
*Montgomery
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
(215) 563-5665
*Delaware
CCCS of Delaware Valley
Marshal Building
790 E Market St, Suite 170
West Chester, PA 19382
(215) 563-5665
*Chester, Delaware
CCCS of Delaware Valley
Catholic Social Services Building
7340 Jackson Street
Philadelphia, PA 19136
(215) 563-5665
*Bucks, Philadelphia
CCCS of Delaware Valley
One Cherry Hill, Suite 215
Cherry Hill, PA 08002
(215) 563-5665
*Philadelphia
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
(610) 821-4011
*Barks, Bucks, Carbon, Lancaster, Lehigh,
Northhampton, Schuylkill
•
CCCS of Northeastern PA
1400 Abington Exec. Park, Suite 1
Clarks Summitt, PA 18411
(570) 587-9163
*Carbon, Columbia, Lackawanna Lycoming,
Monroe, Montour, Northumberland, Pike,
Sullivan, Tioga, Union, Wayne, Wyoming
CCCS of Northeastern PA
201 Basin Street, Suite 6
Williamsport, PA 17701
(570) 323-6627
`Centre, Clinton, Lycoming, Northumberland,
Union
C,CCS of Northeastern PA
202 W Hamilton Avenue
State College, PA 16801
(814) 238-3668
*Blair, Centre, Clearfield, Clinton, Huntingdon,
Juniata, Mifflin
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
(570) 602-2227
*Bradford, Carbon, Columbia, Lackawanna,
Lycoming, Monroe, Montour, Northumberland,
Pike, Sullivan, Tioga, Union, Wayne, Wyoming
CCCS of Northeastern PA
411 Main Street, Suite 104
Stroudsburg, PA 18360
(570) 420-8980
*Bradford, Carbon, Monroe, Pike, Wayne
CCCS of Western PA
1 North Gate Square #2
Garden Center Dr
Greensburg, PA 15601
(888) 511-2227
*Fayette, Greene, Indiana, Somerset,
Washington, Westmoreland
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
(888) 511-2227
*Adams, Cumberland, Dauphin, Franklin, Perry,
Synder, York
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
(888) 511-2227
*Cambria, Clearfield, Indiana, Somerset
CCCS of Western PA
312 Chestnut Street, Suite 227
Meadville, PA 16335
(888) 511-2227
*Lawrence
CCCS of Western PA
41 East Chestnut Street
Washington, PA 15301
(888)511-2227
*Washington
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
(888)511-2227
*Crawford, Erie, Warren
* Indicates Counties Serviced
CCCS of Western PA
524 Franklin Avenue
Aliquippa, PA 15001
(888) 511-2227
*Cameron
Community Action Southwest
150 W Beau Street, Suite 304
Washington, PA 15301
(724) 225-9550
*Washington
CCCS of Western PA
917 A Logan Boulevard
Altoona, PA 16602
(888) 511-2227
*Armstrong, Bedford, Blair, Cambria, Centre,
Clearfield, Huntingdon, Juniata, Mifflin, Union
CCCS of Western PA
971 Third Street
Beaver, PA 15009
(888) 511-2227
*Beaver
CCCS of Western PA
Colonial Shopping Center
970 S George Street
York, PA 17403
(888) 511-2227
*Franklin, Fulton, Lancaster, York
CCCS of Western PA
Pullman Commerce Center
112 Hollywood Dr
Butler, PA 16001
(888) 511-2227
*Butler, Clarion, Jefferson, Mercer, Venango
CCCS of Western PA
River Park Commons
2403 Sidney Street
Pittsburgh, PA 15203
(888) 511-2227
*Allegheny
Chester Community Improvement Project
412 Avenue of the States
P.O. Box 541
Chester, PA 19016
(610) 876-8663
*Chester, Delaware, Montgomery, Philadelphia
Comm. On Econ Opportunity of Luzeme Co.
163 Amber Lane
Wilkes-Barre, PA 18702
(570) 826-0510
*Carbon, Luzeme, Schuylkill, Wyoming
Community Action Commission of Capital
Region
1514 Derry Street
Harrisburg, PA 17094
*Cumberland, Dauphin, Franklin, Perry, Synder
Community Action Committee of the Lehigh
Valley
1337 East Fifth Street
Bethlehem, PA 18015
(610) 691-5620
*Berks, Carbon, Lehigh, Monroe, Northhampton
Community Action Development Comm -
CADCOM
113 E Main Street
Norristown, PA 19401
(610) 277-6363
*Montgomery
Community Action Southwest
58 E Greene Street
Waynesburg, PA 15370
(724) 852-2893
*Allegheny, Fayette, Greene, Washington,
Westmoreland
Congreso
216 West Somerset Street
Philadelphia, PA 19133
(215) 763-8870
*Philadelphia
Council of Spanish Speaking Organization
705-09 North Franklin St
Philadelphia, PA 19123
(215) 627-3100
*Philadelphia
Diversified Community Service
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
(215) 336-3511
*Bucks, Chester, Delaware, Philadelphia
Fair Housing Partnership of Greater Pittsburgh,
Inc.
2840 Liberity Ave., Suite 205
Pittsburgh, PA 15222
(412) 391-2535
*Allegheny
Fayette Co. Community Action Agency Inc
137 North Beeson Avenue
Uniontown, PA 15401
(724) 437-6050
*Fayette, Somerset
FOB CDC
1201 West Only Avenue
Philadelphia, PA 19141
(215) 549-8755
*Bucks, Chester, Delaware, Philadelphia
Frankford CDC
4625 Frankford Avenue, 2nd Floor
Philadelphia, PA 19124
(215) 743-9201
*Philadelphia
Garfield Jubilee Associates
5138 Penn Avenue
Pittsburgh, PA 15224
(412) 665-5200
*Allegheny
Germandtown Settlement
5538 Wayne Avenue Bldg C
Philadelphia, PA 19144
(215) 849-3104
*Bucks, Chester, Delaware, Montgomery,
Philadelphia
i
' Indicates Counties Serviced
Greater Erie Commun. Action Committee Koren Comm. Develop. Services Center New Life Comm. Housing Devel Corp.
18 West 9th Street 6055 Norht 5th Street 712 Hawkins Avenue
Erie, PA 16501 Philadelphia, PA 19120 Braddock, PA 15104
(814) 459-4581 (215) 276-8830 (412) 351-4077
'Crawford, Erie, Venango, Warren 'Philadelphia 'Allegheny, Washington, Westmoreland
HACE Lawrence County Social Services, Inc. Northern Tier Community Action Corp.
167 W Allegheny Ave., 2nd Floor 241 West Grant Street 135 West 4th Street
Philadelphia, PA 19140 P.O. Box 189 P.O. Box 389
(215) 426-8025 New Castle, PA 16103 Emporium, PA 15834
"Bucks, Chester, Delaware, Philadelphia (724) 658-7258 (814) 4861161
'Lawrence 'Cameron, Elk, Mckean, Potter
Housing Alliance of York
35 South Duke Street Liberty Resources Northwest Counseling Service
York, PA 17401 714 Market Street, Suite 100 5001 North Broad Street
(717) 854-1541 Philadelphia, PA 19106 Philadelphia, PA 19141
'York (215) 634-2000 (215) 324-7500
'Philadelphia 'Bucks, Chester, Delaware, Montgomery,
Housing Assoc. of Delaware Valley Philadelphia
1500 Walnut Street, Suite 601 Loveship, Inc.
Philadelphia, PA 19102 2320 North 5th Street Nueva Esperanza
(215) 545-6010 Harrisburg, PA 1711 4261 North 5th Street
'Philadelphia (717) 232-2207 Philadelphia, PA 19140
`Cumberland, Dauphin, Perry (215) 324-0746
Housing Assoc. of Delawre Valley 'Philadelphia
658 North Watts Street Lycom-Clntn Co Comm fo Comm Action
Philadelphia, PA 19123 2138 Lincoln Street Pennsylvania Housing Finance Agency
(215) 978-0224 P.O. Box 3568 2275 Swallow Hill Rd., Bldg 200
'Philadelphia Williamsport, PA 17703 Pittsburgh, PA 15220
(570) 326-0587 (412) 429-2842
Housing Opportunities of Beaver Co. 'Centre, Clinton, Lycoming, Union 'Allegheny
320 College Avenue, Unit 1
Beaver, PA 15009 Maranatha PHFA
(724) 728-7511 43 Philadelphia Avenue 211 North Front Street
'Beaver, Lawrence Waynesboro, PA 17268 Harrisburg, PA 17110
(717) 762-3285 (800-) 342-2397
Housing Partnership of Chester County `Adams, Cumberland, Franklin, Fulton, Perry 'Cumberland, Dauphin
41 West Lancaster Avenue
Downingtown, PA 19335 Media Fellowship House Philadelphia Council for Comm. Advmnt.
(610) 518-1522 302 South Jackson Street 100 N 17th St, Suite 600
'Chester, Delaware, Montgomery Media, PA 19063 Philadelphia, PA 19103
(610) 565-0434 (215) 567-7803
Huntingdon County Housing Servicing 'Chester, Delaware 'Chester, Delaware, Montgomery, Philadelphia
Weatherization, Inc.
917 Mifflin Street Mon Valley Unemployment Committee Philadelphia Senior Center
Huntingdon, PA 16652 1800 West St., 3rd Floor 509 South Broad Street
(814) 643-2342 Homestead, PA 15120 Philadelphia, PA 19147
`Bedford, Blair, Fulton, Huntingdon, Juniata, (412) 462-9962 (215) 546-5879
Mifflin, Perry 'Allegheny, Washington, Westmoreland `Philadelphia
Indiana Co. Community Action Prog. Mt. Airy, USA Schuylkill Community Action
827 Water Street Box 187 6703 Germantown Ave., Suite 200 225 N. Centre Street
Indiana, PA 15701 Philadelphia, PA 19119 Pottsville, PA 17901
(724) 465-2657 (215) 844-6021 (570) 622-1995
`Armstrong, Cambria, Clearfield, Indiana, 'Philadelphia 'Berks, Carbon, Lebanon, Lehigh, Luzerne,
Jefferson, Westmoreland Northumberland, Schuylkill
Nazareth Housing Services
Intercultural Family Services Inc. 285 Bellevue Road Shenango Valley Urban League, Inc.
4225 Chestnut Street Pittsburgh, PA 15229 601 Indiana Avenue
Philadelphia, PA 19104 (412) 931-3510 Farrell, PA 16121
(215) 386-1298 'Allegheny (724) 981-5310
'Philadelphia 'Crawford, Lawrence, Mercer
Neighborhood Housing Services Inc.
Keystone Economic Develop. Corp. 213 N 5th St., Suite 1030 South Philadelphia H.O.M.E.S.
1954 Mary Grace Lane Reading, PA 19601 1444 Point Breeze Avenue
Johnstown, PA 15901 (610) 372-8433 Philadelphia, PA 19146
(814) 535-6556 `Berks (215) 334-4430
'Bedford, Blair, Cambria, Clearfield, Indiana, 'Philadelphia
Somerset, Westmoreland Neighborhood Housing Services
710 5th Avenue, Suite 1000
Southwest Community Development Corp.
Pittsburgh, PA 15219 6368 Paschall Avenue
(412) 281-9773 Philadelphia, PA 19142
'Allegheny (215) 729-0800
'Philadelphia
St. Martin Center
;1701 Parade Street
. Erie, PA 16503
(814) 452-6113
'Crawford, Erie, Venango, Warren
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
(814) 445-9628
*Cambria, Fayette, Somerset, Westmoreland
Tabor Community Services
308 E King Street, Suite 1
Lancaster, PA 17602
(717) 397-5182
*Chester, Lancaster, Lebanon
The NORCAM Group
4200 Crawford Avenue, Suite 200
Northern Cambria, PA 15714
(814) 948-4444
*Cambria, Clearfield
The Trehab Center of Northeastern PA
10 Public Avenue
P.O. Box 366
Montrose, PA 18801
(570) 278-3338
'Susquehanna
* Indicates Counties Serviced
The Trehab Center of Northeastern PA
115 SR 92S
Tuckhannock, PA 18657
(570) 836-6840
*Wyoming
United Communties Southeast Philadelphia
2029 South 8th Street
Philadelphia, PA 19148
(215) 467-8700
*Philadelphia
The Trehab Center of of Northeastern PA
1225 Main Street
Honesdale, PA 18431
(570) 253-8941
*Bradford, Sullivan, Susquehanna, Tioga,
Wayne, Wyoming
The Trehab Center of Northeastern PA
144 E East Avenue
Wellsboro, PA 16901
(570) 724-5252
*Tioga
The Trehab Center of Northeastern PA
German Street
P.O. Box 389
Dushore, PA 18614
(570) 928-9667
*Sullivan
The Trehab Center of Northeastern PA
The Enterprise Center
703 S. Elmer Ave., Suite M-6
Sayre, PA 18840
(570) 888-0412
*Bradford
Urban League of Philadelphia
1818 Market Street
Philadelphia, PA 19103
(215) 561-6070
*Bucks, Delaware, Philadelphia
Urban League of Pittsburgh
Building for Equal Opportunity
One Smithfield St.
Ptsburgh, PA 15222
(412) 227-4802
*Allegheny
Voices for Independence
3711 West 12th Street
Erie, PA 16505
(800) 838-9890
*Erie
Warren-Forest Counties Economic Opportunity
Council
1209 Pennsylvania Ave W.
P.O. Box 547
Warren, PA 16365
(814) 726-2400
*Forest, Waren
! ' ' a
VERIFICATION
The undersigned hereby states that the statements made in the foregoing pleading are true and correct
to the best of his/her knowledge, information and belief. The undersigned understands that the statements
therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to
authorities.
EMC Mortgage Corporation,
Attomey-in-fact for LaSalle Bank National
Association, as Trustee for Certificateholders of
Bear Stearns Asset backed Securities I LLC,
Asset-Backed-Certifcates, Series 2006-HE2
Loan #0013238191
r
b co
P
141. j
CASE NO: 2008-03410 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
EMC MORTGAGE CORPORATION
VS
BOREDELON JOHNATHAN P ET AL
SHAWN HARRISON
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
BORDELON JOHNATHAN P
DEFENDANT , at 1300:00 HOURS, on the 7th day of June , 2008
at 1554 WILLIAMS GROVE ROAD
MECHANICSBURG, PA 17055
JONATHAN BOREDELON
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 RETURN - REGULAR
Sheriff or Deputy Sheriff of
the
by handing to
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
4 (!3'b F
18.00
9.00
.00
10.00
.00
37.00
So Answers:
Sworn and Subscibed to
before me this
day
of
9
R. Thomas Kline
06/09/2008
GREGORY JAVARJTLAN
`
By: Va j
14njp'ut-ySheriff
A.D.
SHERIFF'S RETURN - REGULAR
CASE NO: 2008-03410 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
EMC MORTGAGE CORPORATION
VS
BOREDELON JOHNATHAN P ET AL
SHAWN HARRISON , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
BORDELON JENNIFER A the
DEFENDANT , at 1300:00 HOURS, on the 7th day of June 2008
at 1554 WILLIAMS GROVE ROAD
MECHANICSBURG, PA 17055
by handing to
JONATHAN BOREDELON, HUSBAND
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: So Answers:
Docketing 6.00
Service .00 Affidavit 00
Surcharge 10.00 R. Thomas Kline
.00
?.?C31 0f 4,.- ? 16.00 06/09/2008
GREGORY JAVARD
Sworn and Subscibed to By:
before me this day eput Sheriff
of A.D.