Loading...
HomeMy WebLinkAbout09-7841MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067, Plaintiff, Vs. Mark V. Oliver 1120 Linn Drive Carlisle, PA 17013, and Susan E. Oliver 1120 Linn Drive Carlisle, PA 17013, To: You allerebyLnotjiYied to fi a ritten response to the enclosed P (a, .. t- within twenty (20) days from the service hereof or a judgment may be entered against you. Attorney for Plaintiff Attorney for Plaintiff File: 9.11209 COURT OF COMMON PLEAS CUMBERLAND COUNTY 0 , v C.; 2 pq- X1841 civi(Tem No.. CIVIL ACTION MORTGAGE FORECLOSURE 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 defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067, Plaintiff, Vs. Mark V. Oliver 1120 Linn Drive Carlisle, PA 17013, and Susan E. Oliver 1120 Linn Drive Carlisle, PA 17013, Defendants Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: o9- ??YJ CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff'), is a Delaware corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendants, Mark V. Oliver and Susan E. Oliver, (collectively, the "Defendants"), are adult individuals and are the real owners of the premises hereinafter described. 3. Mark V. Oliver, Defendant, resides at 1120 Linn Drive, Carlisle, PA 17013. Susan E. Oliver, Defendant, resides at 1120 Linn Drive, Carlisle, PA 17013. 4. On October 22, 2004, in consideration of a loan in the principal amount of $167,787.00, the Defendants executed and delivered to Centex Home Equity Company, LLC a note (the "Note") with interest currently at 6.0 percent per annum, payable as to the principal and interest in equal monthly installments of $976.79 commencing December 1, 2004. 5. To secure the obligations under the Note, the Defendants executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated October 22, 2004, recorded on October 28, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1885, Page 4677. See Mortgage attached. Pursuant to Pa.R.C.P. 1019 (g) the mortgage is incorporated herein by reference. 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 1120 Linn Drive, Carlisle, PA 17013. A legal description of the Mortgaged Premises is attached hereto as Exhibit "A" and made a part hereof. 7. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due April 1, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Balance of Principal ................................ $195,357.29 Accrued but Unpaid Interest from 3/1/09 to 11/10/09 @ 6.0% per annum ($32.11 per diem) ........................................$8,188.05 Accrued Late Charges .................................$1,590.18 Corporate Advance .........................................$532.67 Escrow Advance ..........................................$2,192.68 Title Search Fees ............................................$350.00 Other Fees Due ...............................................$350.00 Insufficient Funds Charges ...............................$20.00 Reasonable Attorney's Fees ........................$1,250.00 TOTAL as of 11/10/2009 ........................$209,830.87 Plus, the following amounts accrued after November 10, 2009: Interest at the Rate of 6.0 per cent per annum ($32.11 per diem); Late Charges per month. 9. Plaintiff has complied fully with Act No. 91 (35 P.SA680.401(c) of the 1983 Session of the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 1120 Linn Drive, Carlisle, PA 17013 as well as to address of residences as listed in paragraph 3 of this document on June 3, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $209,830.87, plus the following amounts accruing after November 10, 2009, to the date of judgment: (a) interest of $32.11 per day, (b) late charges per month, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & ASSOCIATES, LLC sm? Mary Larbert-Bell, Esquire Attorney for Plaintiff VERIFICATION I, Mary L. Harbert-Bell, hereby certify that I am an Attorney for Plaintiff and am authorized to make this verification on Plaintiffs behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This verification is made subject to the penalties of 18 Pa. C. S. ' 4904, relating to unsworn falsification to authorities. Name: Mary L. Harbert-Bell, Esquire Title: Attorney EXHIBIT A EXHIBIT "A" ALL THAT CERTAIN tract of land with the improvements thereon erected situate in the Third Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows, to wit; BEGINNING at a point along the western side of Linn Drive, at the southeastern comer of Lot No. 134, Section "A" as shown on the Plan of Chapel Hill recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 23, Page 64; thence along Lot No. 134, North 55 degrees 23 minutes 26 seconds West, 128.23 feet to a point; thence South 46 degrees 20 minutes 05 seconds West, 33 feet to a point; thence South 22 degrees 01 minute 20 seconds West, 118.08 feet to a point at Lot No. 132; thence South 80 degrees 11 minutes 52 seconds East, 141.66 feet to a point along the western side of Linn Drive; thence by a curve to the right in a northeasterly direction with a radius of 180 feet, an arc length of 90.92 feet to a point, the place of BEGINNING. BEING Lot No. 133, Section "A" on the aforesaid Plan of Chapel Hill. BEINGG improved with a three bedroom split-level dwelling lrnown as 1120 Linn Drive, Carlisle, Pennsylvania. BEING THE SAME PREMISES which William D. Heckler and fraida C. Quinones, his wife, by Deed dated September 10, 1990 and recorded October 1, 1990 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book 34-U, Page 678, granted and conveyed unto Mark V. Oliver and Susan E. Oliver, husband and wife. aw'VQ?W-U& Mark V. Oliver Susan E. Oliver aJ8!a 15?;4693 ROR.:RT ?. ZIB ER t04'I OCT 28 Pm 2 38 TOC T Bttoayn CROMaM'is7t HOST; tt0o1llr co ma, LLC P.O. lb= 199500, FrARt DOCS 6 Dallaf, TZ 7591P Pared Nambw.. f815Lfa511t?eerNMlhhl 245107414- MORTGAGE A1?RUMNS Wards used ion t wk& sec door a of d a docemmenl are lifted below sad odw wads are dWbwd in Secdoas 3,11.13,1& 20 and 21. Cortaro roles mg#Wft do wags of wards need in dds docameat tae slsa provided in section 16. - W "SKw t7 bwtrament" memn ibis dccnlaaal. which is dated 10/91/2004 toot with all Rides to dds docnmeat )N ?Btf1?R! v. omll ul AND SUSAN 2. OLIY?R SOSOAt1D AND WIPE Sartewor lo the mOrtmN under do Seca ft Ineaiuneat. (C) Niis_4w" is Cxw= BONN l Quxvr C011PUT• LLC Lower islaR? A LTMTXD LXMILITY CWGPM PENNSYLVANIA - Sln01e Family - Feenle MealFnddle Nat UNIFORM INSTRUMENT 4ft-qpA) P446 161 is Inn"- I? VYP UOR7QAaa FORae. (000)5!1.7201 Form sw IM BK 1885PG4677 945107494 organized ad exietmg Under the laws of SU= BTAU o1 DX&MMU l.endee'faddreaaia 9078 lioRW NUM M DA1,L16, T! 78701-1516 LRahder i• the taattga9 undo 96 Secaity Ine0tmhat (D) "Npq" mesa do pr0miwmy cols dgaodby Borrower ad dated 10/7=/9004 The New sutra that Borrower OWN I eadr: on lWIDfl1D sms Imp 'lR008111D UV8ts zm? sraia'rt OR= A OtT? {U S. S 367,7 87.00 ) *2 hiftecaL Btattiou hu proodood p pay this debt in tesdw ForlO lc Paymontr and to pq the debt in fun sot later dma ii/01/9074 (fly "property" mass the property that is deardved below under the haft 'rnodW of Rillft fa t1e (t "Lose stem dw debt evidenced by the NOW pin k teat, any pmepassent ehargea and tae due under the Now, and all smog due an& dhis Seco ft Issamnentt, on Inoue. ((ii) "Riders" mane all Ridene m this Security bowsu ad that arc amecueod by Bon+owrr. The foYawing Rider are W be t6octood by Baaower (check box as appliab1el: QI}?.?1 A00ble Race Rider q? CWAOMiniam Rider Seco d Homo Rider uBalbonRida uplamedUa&DevdoptuadRida 14 imUyRider u VA Rider L JJ M-eddy Poyment Rids Oda(s) [spaifyl (H) "Appfiabb Lsw" mane an ocanD ag applicable Word. auto ad load autafa, reffaladoav, ordinances ad admb&n*ve rules ad orders (dun have the effect of kw) m WOR so III apjlicable Eot1, mn appmume1zscwagdoet. (1) "Commna fy Anocialion Dana, Face, and Asstaasasu" mass all daa. fees, aueeaau ad other cbnw dot are hoposed an Borrower or the Property by a caadomolrsa aoocfales. homsowners anocatoa or simile agpalzaton. (7) "EUetrasie Ihods Tr=sW' mans say thander of Loads. other tiers a toosadon odslo d by chock dmfk or diol r papa ioeonrment, which is fnfdated to o an ala00* lradmA ldephoole loatmmantl compare[, or ralpelfe ups rho as to order, iasNK4 or Sondra a Amosciat kudkd m to debit or COMM an account Such Nam fmchrdes, but is not Brained ter, pofaa.d-a* lrarufe[s. satoomad. teller Machine 0anacdmns. icmM Mood by Wepboa0. win loodo% ad maloauud cladoghaass bmdam (9) "6srrow Isema .mans trove Rem tit are desaleed is Secdon 3. (L) "Mi a isoom PrOeeeds" mesas say compeaeatfoa, selleas ok a and of dtomm or proceeds paid by ors' mind petty (olio[ tun iannarue proceeds paid Mader the coverages dosci bed In Seodmm S) for (0 damegs to. or daauclion af, the pmpo qr; (iQ coodaeaWbs a olrer ukhns of sII err orq pad of rho PfgP (iii coavcyaaoe in Beu of condafoadoa: or (iv) valmeq ramutmu of, or ombdon so 10, the verbs and/or conam of the pmpafy. (M) ahjurtgap Insurance mane i0aerug me pmtoctOg Bader agoind the neapalmroat at or defarlt on. the Loan. QQ) "pa dWk pgo=V mans the regularly achedsled anoont be far ((1 p and intaeat under die Now, plas (a) any amoaau under Section 3 of this So=* butromoot PA) (am) Page 2ofIs rd? FOrmMU 1101 BK 1885PG4678 24510742• (O) "BHBPA" mow die Red 8stmta Sataomaei Pooedwu Ad (12 USr- OW 201 O tla?te, d'V , Ragaladoa x (24 C PS. Pet 33P. in d*F milt • cr my wdw and or sommie r UOdadon a tevimdom tWn gowns go no =*a mw• Ad raced in this Secaehy b wmmmt, "ROSPA" rodea w all ngWrwwmla amd raletoII arc.m . lg f is nBad tD a "may mlatad moop bW avert if the Lam does mot qm* m a "hom py wbwd m OM bad M Saeot w in btw*d of Bmvwar" aaema my puq that hat Wm dde 0 dee Pt W", wb*Ar of not dmt piety bm astnmed Barrowa's obligadoac ands des Na6e mdlt dda SacJ* instrumanL 9RANSFM OF RIGHTS 114 THE PROPMtT1f This Sam* be meat moues to L nde r. (i) do repaymeemt of do Loat4 amd ari eamswalA, wpemdata sad mod[dadoma of dto NoW and 00 the p dmmmoe of Bauoweee oavmwu aid Waom m amdor dtia Somdty Uanmmut ad die PlopIL Fpm bA P doe hereby =%'A Pot AM a .ee 0 LaadEt dis fOlb 6 deeaibed lNm d RGOm q Jwdadaami: All that tract or parcel of land as miaomm an Schedule "U' attaehed herato muich is incorporated herein and made a part hereof. which mmudy has t ai 20 IAN of DalYlt GRLIBLK ("Property Addraas'): P-4 iCUf) Per,404vame 17013 itpCaAsl TOORT}i R WMi at dw kgmovetaaats now or hauft a "d on do pmpaW, and aR a mufalls, appmteamcaa, sad fectme now or haeaiht a put of the Poo". Ali ra *wm mere ad additbns don abo be covered by this Soma hMmIem. Al! of the fa ep ft h rdaned to In this SwQ* Imaamaaet ere the "Fmputy" 4ft-SIPA) (coal ,6db Psa*aof+• :ff*-O Forela0i0 1101 BK 1885PG4679 245107491 DORROMM COVENANTS dhat RMOwer b hneltinp Wad of do am beaaby caavayad ad tw der dgbt to ouWp, Sreat and oorvcy the Pmpeety sad dot do FmpeM is usmic mbned. except fa emahmbrardar of retard. Borrower wmeam sad wdll Mod gw dlY dha fife m die Propeuty spinet all dtdnm sod dmmnds, addd %l to any ancombemca of,sonic TM SBCO M IIVSIRUNI M comma mob= covainam for natbad on and aan-mdfam covmaaoe whh MOM nhimdons by jodsdiaioa m eamdete a WdOmm ncu* hdettumaa oovain8 sal VNISINW. U n2" COVRNANfS. Bommor aid Lador coveasat and gm a foDows: 1. payment of Prh+c¢d, Interest, Ibm w Bloom, Peapwyuati Chsa=u, and Tale Cham Bomwer ddall pay when die the pseeipst of, ad I - I I on, 60 debt eaddmesd by dw Now and nay pmt chmW ad ism dmrga due soda the Note. Borrower shill also pq fade toff Baeeow Beam paasrnt io Seddon 3. Payments &a mdar &e Noon aid dds Seem* hubwA dt dot be mode In U.3. coueney. lfowam. If any check or other manoemt received by Lander ss payment nods do Nob or dds Seomhy Ioatumaht is radaated to Ieodac uspdd, Leader may ngWm do my u dl subaegamt pgmna due user the Nom and ddb Secahy boaumem be rode is one at ma m of the Mowing Mamw r selecled by Linda. (td) cash; (b) money ardW. (c) r grM I d dock, took chalk. trsnaher's dhecik at csdd A dbcr, provided my such check b dmwa upon an hudmtm whose deposit nee hissmad by a fedard Wo:7. hutrwienti ty, qff eadlty; or (d) Bbdmonie Fends Thomfer. Pgmaw sin dammed received by Laideff who received at the location dedpdatd in the Nab or at each other ideation u may be dadVmd by Ladsr in aoomdrroa with do soda p widow in Seddon IS. Lander may tamm army paymmt of patW pymmtff the pgmmt at pedal pgnmb stn kwWSdaet os briox the Lan cammtt. Loader may sooept coy payment at pmW psyamrt hda llcial to bdog the Low commit, WilbOdR waiver Of cry dght baamda or psejdd M 00 hs rlgbt to mefaae ach pyawat 0 PEW payment ad the totme, but Ladder is not obligated m apply such ptpmaat at the rhea such paniona sea accep ul If arch Padaddc Payment b eppidod a of Its sd*daled due dot. then Leiser need not pay htoem on useppBed fords. Leda may bald wcb uaappW fbada mill Bonvim mate pyana t b bang be Lam cammt N Boaowa dm eat do so wWdn a saumsble paiod of dma Lender stag ehldar apply aafh Am& of mamm rhea w Boaowar. Nnot applied cadia, inch Mode wZ be gpfied to due ooblooft pdoclOd bdmce once the blots y prior to famdo=n No oBset a ddm which Sonowar Baku bare now err in the florae Leader dell rdieva Bonnwvs hoin MOM pymms duo mi& the Nob ad ddb Sa fflty Inetwnmt oc pc&nnbg f10 covomm and agtam and seated by this SwAy hmdannent 2. Appii"oa of Payaeaets or Proceeds. Biceps m adtawiae duabod in ddb Bandon 2. all payments =WW and applied by Lender shell be sppfied hi 60 fbllowbg wft of pdmiq: (a) b*m doe adar der Now. N) pdncipd ddha dmda the Note; (c) mama dna ands Secdon 3. Stich pgnwu doll be applied b ahch PuWk Psymmt io the order in which a became due. Any mmabdog womate "be wiled tits m we charges, aeoond to my aft aoama dtie under This SecudW biantalmt, sad dm b aodoce On prinew bdaasa of ate Note. N Larder acdno a paymmt h m Bak<ower for a daUnquent Peddic Payment which hahddes a aft ieat anotM to pay any late dW due, the Payment ray be applied to the deliniquant pip out and dim late dwge. N mom than one Periodic Payment is avalso dog. Leda may Apply my payment raod"d flan Bomowa to The cepnymaht of the Parioddc Pa MUM if, and m d w amt that, each Payment can be paid In wnwf?'??"'" ft-G(PA) tmai Paa.s of is Fora a0aa Nal 8K i 885PG468@ 145107424 Atli. To rho sweat dmmt any Owen aism after the payment is gow b de to paymat of one or acre Pedodle Payments, arch success may s p to say less ?? . Valmtey papaymem ad be aP' W &* to may ptepaymen dhuges ad dma an desadbed Any qppU=m of psymata Insurance procoah, or Pt aoeede to p n*d dam under the Nape"not atband ar pos"s de due date. er dsa ge the ennomit of the Pulodle Paymaw. I loads for Ruvow Fret.. Beemwer shall pay to Lender on do day Paid ft Paymeaft in doe vider of mounts do de Noce, unn7 the biota is paid in hA a am (dm Vandal to provide for pA'? for (a) mote and amusements and adta facets wbich can s1Mn piodly over aids Secnrily imeenaseat a a lie or pemabaaoe on des Property; (b) lasebold payown or round tints on der F , Nor. premiums fur any and vU bmaaaue aegaired by Lender under Secdo S; mid (d) or any anal payable by Boaower to Lander in lieu of the payoneat of MatWV Iawes.oe PS I - in accordaue kh the ptovWons of Section IO. 71= item. as ailed "Brnmw hams." At a ighdoo or rot any time during de,.Mut of the Lose, Linder may aeqube durst Community Aaaoaiadoa Doer. Faw and Assemmen% if spy, be awnwed by Bouower, and" doe, few and amnia eats"bean Escrow hem. Bcaower shall p!=Vdy furnish ID Leader sB sodos of =a 11 to be paid under this Section. Bo awe "Pal sdar tba Ponds for Bermes hams odes. Lender walva Banvwer? ablpft col ? ?? for any or Al Baeeow items. Leader may waive BamrowerIs obagadoa 10 Pay or A Rerrow limas at joy tine. Any such waiver may only be is wA tg. In the am of soda waiver. Boupwer sIOU pay directly, when and whom pa7abla, de sun due for may Bamow home fear width payment of Bantle hens been waived by Leader and. if I.wda ragdcs, doR lbmbh to Lender secaipee wag soeh payment whin such dam period ae Leads may ngoha. Bo mower's eibig a in and a each PmyWMW ad ao peovWe mot" shell tae A puapoaa le deemed to be a ooveaent and spec eat aonldaed to as Seaafty hwi mak as de pbrase 'covenant and agreemat" f4 used In Section 9. N Boaarer it ebSgsed m pay Escrow hems dimc:dy, piummut m a waiver. and Bacenwer fails b pay the amount doe for as BMW Ban. Lender my euMn in don under Section 9 and pay such amount and Banower dhmil dam be oftmed under Seeeiam 9 to repay to Leader may sack amount Leader may invoice de v d-vw n 1o any at A Bremow lamas at say time by a notice given in mccoadance with Section IS and, upon huh aavocmdon. Bo>tawe droll pry to Leda miFteadm6 and in such amounts. dust are denugoied under Ma Saaion 3. feoedet ma9* at any time, collect and hold Faods in an asman W sufflehat io permit Leader to eghply to Amds at due' dine specified under EWA. and (b) not in ealoeed dse imadmutn asaunt a Inds as aegoke under BBSPA. Lander " stiroaa time amount of Pan& doe on the bob of amen dmlm sod 'emu bb wdvAN of arpendiuuaa of faaore Bmnnw hems or o&erwiw In atxanhum wkh Appaca ble Law. The Pamds AsK be held in an i sdiudon wbom depamin are immed by a * a d ageaey. iagMssaa ft. or eatiay Gncbadby Leader. If I atria d an inadumon whom depodfe moo to bpued) ar is my Fedsd Home Lams Banc. Lender sbdl apply do Feuds to pay due Escrow hear no Ider to the time wed tinder ItMA. lancer shat( not barge Borrower for boldbg and spplyfng the Poach, sa mmily sashaiag de escrow an =% at vergft the Bermes hems, unless Lender ve" Bmmww Iaearat on de F4adm and Applleable Law Vermin Lads to make such a dnga i)nlss an apse saint it made in whdlLmg or Appbabfe Law requbes iowest to be paid on the Fends. Leader sW aot bs ngAW b pay Boa n ww may toraamt or casings an the Ponds. Borrower and Leader cam agm in vmiting, however, diet braes.- dwR be paid an the head( PTO WGIPA) (00001 Pqt ao1 a 5F6 Form $Orm 1101 OK 1885PG468I 245107424 Fandr. I=ft shell give to Bmmwe , widwut chime. an umad awonoft of do PW* as axpdred by KBSP& If dhae Is a e?apbs of Funds held in esaow. en ddned under RBIPA. Deader sfaaB MOM to Boaoww fr dw etaoess funds in swmft ce with RBSPA. If ants is a dmW d Ptmds bald 10 eeuaow, sa daBaed under RBSPA. Lender shall no* Boaower a tegtdW by ItIVA. and Boaowa dA pay b I.enda dta amount asosaeiy to Mara up daa shape in scomtWoe with RW,,_ bat is no arose tiro 12 .,,rely payma?ts. If data is a daBdmq of A" bald in narrow, as amend aader RBSPA, Laden dta8 Goofy Boaowa as regtdted by RWA. and Beaowa daft pay so landar do aatomt aeaamry to Indus UP dta ddbdatuy In accordmce wlta RESPA, burin 20 MM dam 12 mm* pgnmb. Upon payment in W of ell arum scatted by this Seca ft Iesatmeant, Lancet duB p mpft tdtmd to Boevwa say Awls held by Lender. 4. Cbafgesl Lieaa. Bomma chill M aB imm, assmemants, chugs, San, and impoddons amnbatable b to Psopaty wWch can attain psio lty am this Seetaity kMumtt. lasebold pgmmm Of pound ra4 on the Property, if eery. and Cove n eW Association Dues. Pees. sad Ammsenta, if say. To 60 aoeat dta dheae itevas are Basow Ixms, Bonowa shall lsl them in the Mauna pravlded fa Sataimt 3. Bamowar shall promptly dbdwp any lint which has Pia t9 ova this SaaniW bAWRIent tadesa Boarawar: (at) agree in wrkbq lo due payment of the obvpdon soaaedby due Bea in gum= aooapldrMe to lender, but arty so long ss Bonowa is perfamft sach Westneat; (b) aromas Ara lien in good NO by, or delatds against eaforcement of the lien in, b *d proceedings which in Lender's op6don %ma ea lo Restart due ad=== of due llaa while dross Poeae W an peodbt& but ooty undt such pooaedbtgs as concluded; or (c) secafa from the bolds of do gm m agregmat aatidiciny W Lads aullwak a ing the Bea lo dds Savdq Bwou at 9 Larder dsaaleas dun any pat of the Paopedy is mMoct to a am which can auabn p mdq ova dw Security Irubttmnn. Lender my give Bovarm a nodes idmdit the lien. MOM 10 cgs of the date on which dad nmdae is given, Boerowar shall satisfy *61ka of take one or morn of the aedons sat f=6 above in diis Seetim 4. Latch may Mquice Baom n pay a ona-dme charge for a rill estate tax varffleatioa and/or repatang servka aaad by hands it connection web this Lam. S. ProWq Imaranae. Beerowa "harp tiro bnpmvanmts now esisdng or baada eaected on *a pmpaty inased against loss by Ste, hawds soduded within the tarot "extended covasge," Od any otba basards inn wit. bud not limited to, w6gulces and ffoods. for which Leeds MOM maim. This sataance dull be maintained in rho numats (inch ft dedu¢lbb bvels) and *r due periods tint Leodor requbm What Leader regdm pnoeuant tD the i g tsaheenaa rata charge dl tg tba cane of the Loan. no insutatace deriar puovlding Ara insmuam diall be chosen by Barrows subject to Linda's tight to dspprove Bcorowees choice, which right " not be exa dW ameaso tit Linda mg heghrica Banowa to pay, in oamectfon with this Luca, aitha: (a) a ane•tiree Usage be flood soon deeemefev =Mud= and uaddttg saviors; or (b) a ou"aus dwp for flood mne dea b a" and oatiBcasion services and subsegamt charges each time Muppap of AMI&V d6mgas ooWr which realouft adgtt effect such de0amineNoa at oad5eatlan. Bosrowa absfl Wa be mWoadbie for the payment of any foes to* , , i by the podad Emergency Manopmatt Agency in eomaedon with the mvbw of any flood sane d0wmi sdon resulting from an objection by Boarower. ...,W &. -qPA) pws6 Paso 6 of 76 ,5Ep Form SOS, Vet 8K 1885PG4682 145107494 If BOMM" fogs m ffmb in any of the covages dumbed above. Linder NSW' abeam iatm" coverage, at Lerder's option mad Bcmrower'a aqm m Leader is raider no dA%Pdm m 1' I' ' my partiwiac ype or amoamt of coveemge. lbeahm ,rch oavanga dull Cover Raider, bat MW a aigbt na protect Dwower, Borrower', agmry in dm Pmpaty, or the aooaad of dro Property, apbut IN IW haead at RdWy and might FWASO 9 1 or later cove nBe dean was POVICINO is alfeec DMOwa willowledses dire the cast of do insurance wvaW so obtained might WpM= ft emosed the Coll of hum,ece that BOMMIC esaaid hue o MM& Any amomM dirbmmd by Loader under 96 Sadn S ridl beomw adM=d debt at Bmower screed by "@ Secg* b ? t Ida "Now ? Pram the date of diabm oment and chug be payable, m Baeowerreque,ting payment: Ali ie,anoce pokl*B mquirod by Lender and reww& of such polde, *0 be object b Lsder'a right to dppprow such pokim shag ;nude a owdord mortp chwo. and duel rums [reader err ntartggm and?Or as ea xUldond loo paym Leader " have the sWd b hold do panda sad rmewd Cerdsmea. If Larder requires. Bonoww duff FMV* Siva 10 Lender la mcipw of paid ptowbaw and rmalwd A, If Dwoww obtahw say y, p oh h shag h daft di dud m? chum and drag damage to, at detkaac"M don o of, the Property, policy name ]order a: error Mco wWw es an addhio0d IONS payee. In du event of b^ &arower chug give prompt mdse b dw Mearoace ardac wander . Larder racy make proof of Igo if sot made promptly by Boaower. Udw Leader and Baaowcr otherwim laces in writ, my kwa nn pis, whether or not Ste aadodyh?g btsaanoe art sogaue I by Larder, chug be appw to zvo radon at repair of die Propery, If do reatotadat at ready is aoonosd t hs@M ad Lender's saauaity is trot beamed. Daft such repair and auroral period. Loader d ma has *0 right b hold md? bamance proceed, an& Leader hat hd un oppeRm W 10 iaeped ettdt PsOperly lo cw" the wade has bees completed to Lender's asdsfacaon, provided dam ,adt hupecdw shag bo anduWan pr0mpdy. under may dMium pmcaeda for die atpdra mad resmag o in a angle payment or In a series of p qpu payama m des wort is wmpbm& u*n an agmusimt im erode in wftg or AppiYybia Law r q&w irteraat a be paid on inch unarm prooaeds. Larder dug not be wgsW 10 pay Banower nary iaAeeest OF eamhtga 0a sachpoceeds. Fees for pabec *aft'. a Odter third panties. ri l I l d by Bwmw eg oa be paid 0% of du imam proceeds and shag be &a sole o A*Won of Bounw. N the ruttonaiam at apdr is trot coo=** fe ou or L ndees mcurby would be boned. the heaanoe proceeds shag be appliod to the sums secma by this Security bsaamatt, whodow or not dam duet6 wide do aaesNS, if any, paid b Bwower. Saab iQa,nrarioa proceeds dhtdl be oppiled in the wft pewkM far im Sectioa 2 If B o n o w d d o&= die P ro p er t y . L m d t r easy f d 3 e , ttegodm a n d aerie say I I I I I b memo, dahn and rdhtted tamm r liommerdoe rot re,pmd wgdn 30 days b a notice iiom Lander dw rite iotwmw eanhr bas atrera<o - m n* a claim, thm Lender any ag fta and earth the ch bL M wM begirt whoa rite notice is give0, fr eiher ,veer, at if larder acgnhett da Pmp" noder 3ection 22 or otherwise. Boaowsr bwft adgaa b Leader W Bomower'a now busy 3 owasce psooeeds In an owant not to arced the amcw* mod under the Nom at dais Sww* Li,atmor4 and (b) say other or icamwda riot (other dean the agbt to any ntfimd of amend prmtimms pW by Borrow) tads erg ioamaitce pau*s covering the: Property, midw as such niglda ate 4RAcabb to dw co+aeP Of *0 Property. Lads may an dam himmsaw proceeds either to repair or restore rite Properly a b pay amaw* unpaid under rite Note at this Saaaity Insaument, wbc6ar of not them due. InNhY? 4ft-0tPAi (o,! r., ? Gl to Fwea saaa 1101 B( 1885PG4683 245107424 f. occvpmq. Borrowa ahall occupy, cmw)m, ad nets eke Pmp my as Bmowrot''s pehtcipd resm, r p within 60 days alter one exocation of On Seawky Iawmamt and silt connate to ooespy die Pmpedy a Baaower's V*wVd teddsace for at oast ono year Mac ate dine of ? extenuating cireeputunces arm in wdb& which consent shall not be wwwoaably wbfi6eld, exist wbich are beyoadBoaower's amad 7. Ptemrvadooo bbknteoame and holeclest of am wayesq; Do d ow Bomnowa atilt not dedcoy, donnas or impair aim property, derv dW Property m ddaioafm or commit wam an ate Property. wheft of motBonowa ht relding In one Ptapety, Baaowar dA teaiatrin dm Property in ode q peavaat the Property from deteriorating at deaesdhng In vote doe n its coed ti m. [lakes his determined powet a Serena 5 dun npdr oc naundm h not eoaamiw* fndbK Baaowa dM pry repdr gwpropwW if damaged to avoid tartar d 4mbeatian Of damage B lawce ncs a coodenmulos paoesds sa phl in mmadion wiai demege to, or the td fog of, the Property. Bmvwe "bo respaodhb for rapailehtg or reslerig fbe ftopaty only if Latch has releered proceeds for nlek prrpases Leader may d? t wask Is for the repairs and restoration in A dnglo payment or is a stain of prograw psyosau completed. If do bwraico a condem cation pooceeds are not nd6dmt ten repair or ledera 160 Property, Batrowa is not nlievad of Boaow es Aftetion for ate comple" of rock repair err redorllon. Leader or its agent may mute reeecubb enleies ntpon and iospecaoma of eta i?lopaty. If it ho rcamubla c0m, Leads may lnvpeet do iaf dw of the ioprovemlot on the Property. T-Aw shalt give Borrower notice at the time of or prior a sndm an isinew inspection specibimg smelt aaaool ., coach. I. Boorrower's Loan APpiC+lsa. Bm'awa dolt be in &Am& if. daring the Loa spli icerbo I, P i i Borrower or any persons err entities acting at aim 1 1 -1o 1 of Donower cc wlat $oanwrr's kaoerWp or amsaa gave mdcda* fcds% m leading, or iewcurils b*=WA n or spas OM at Leader (or filled b provyk Lends wifh atderial iataaudoa) in eoaeetion w16 time Lem Maiedd repaaaatrflmaa loobuK bat ate not Handed u h repooanadona concendng Bocrasaa's ocarpncy of the Property as Barrowo's pdmdpd residence. 9. RoWdi n of Leader S Intvtest in the Pro q sad ftIdII MAW dos Saarity Indrusaat. If (a) Bmoww hits to perform the covenmtd sad a?aeaem awntebred3t aid Saw* hAma em. (b) dues is a fetal peace ft then might lg<riticmitty d Wt Lmda'a MIMM in k Seamrity hmamnemt (ouch as a pooaedki6 bedsoplay. prabde, eafwcement of a Hm which may stela priority ova We Swm* %w ment or In anfoeoe laws or re9dati0m), at (c) Boaowea has abndoaed *a Property, rhea Laden may do and pity far wlai wr is taasomhle or WWPiM to Fated Lender's item io the Property sad d*M order this Seen* Indaome n. breladimg ProtecAms and/or aesceft the veins of one Property, and seaming ad* rqW tog die Property. Leader's saunas can include. U9 arc not Bmtted la (a) paying any dace secaed by alien which has priorky over fhb Serenity Inscrammt: (b) appeasing in coot rod (c) paling wonge hie aamseys' fear b secured pxM= panted its Inkiest in tiro Ye7 aml r)8lits dada hdaft but Is not limited to. caletktg? hopaq io kr s banlaaplcy pr'aoeediiif. g• Ssetting d Ptopety, mdm tepla, change loch, replace or board up doors and windows, drdo waste lama pipes, easimde builft or other code woladons at dangerous eonditiom ad have area toed on or off. AMw* Lender may take, action mndw drier Sectu m 9. Lmdw don not bave to do so aid is not moor say any or obligation to do 'so. k is agreed to Larder iscars no Bd ty for act fling cry or all wdons snatodaed under acid Sasion 9. MMOW:4*0 Feria amen UM Pages of {t 3to -a(PA) It U( 1885PG4684 445107414 Any aatoants d fined by I.eadac order tbie Section 9 dol becomes addbWd debt od Betrtmwa seamed by dds Seatdty Ltesmmem Tkm macaw *a beer hmva aomat Lfadar? 10 B ? die d at dietbuamromt and dwa be payabh>, with each bmw4 apm notice u B " smadly a tto is rap do im OIWH ad ft fall ? an aac pmvwbw do le merge.nfam 14ade agrees l0. . Db Dbrtm tteager in Ieswtidttgmraa.ce. If Lettda requhed MOW beemeamo n a mod" of mddag the I.oen, il. If, for eery setrsoa, BaeI ft shill par the pmminmr raloieed to adn cb6 to be, WSHOIS Eiooe i. e *0 maeW h>wem dO dta bfotMap Iset>mmc0 0 npW by Ir Jew...We" i such btsrmm and Bormwar was ngraed m mate sepst>ttdy damlptated pa's to I?tom p cvbwb?°?00 t? as we sdomd* egat a to the eat m Bmowu of the hft%W h"Iltee Pedoady in dEN4 Liam a allswae >nat0 1 hisser elected by Leader. If m mswtddly ego vdW Mt>npge LarOM oov0eege is sot avaW9K Barrows ehdl Coup tO m pay m Lender the am0antt ad Mes sepamttelY p d mt was die rebm dm kw ww coverage ceased to be in effect. Leads vrdtt accept, an timid m0da dteee paymamw at a nos-mdmdmbis bm dw [.L.om minidmM* pald in I+aods sW uMbo m bd PY a NA*P on such Lose meatus. header can so longs rmw*a loam mum parts "I if BMW= etmrmaVa OR the amomt od for Dee period ma Lads ngakm) LaoviW by a I m m,1 0deaed by L.aeder 4gabt betttimes avaitsbb, is obi hi4 and I.aader snquaa smp r desi!::pameas mwad tb0pa0adanm for Moelow Immaa, V Lends mgnirod Momlgttge fastaattoe at a cot m of wading des Imm w d Borrow was mpimd to snu separ * dmvm and paYmt m mwad tie I * [ac MotMsge bsstaaame. Bottom dwU pay tb0 petembmte t0gedred m stdaaa biortM ko m m im affect, of m p dh a aoaeetimttb>ble loss rmmrve, an* Lmda's reguirenum far IYlmatgage Innaatece cods in w ordow with Apr wdttm agAatrmt betwem Benowm and bads p wvldiag for inch btmbwdom a aad Iemo beftn is req?e ' by App bilk law. Notbiag b this Section 10 aftm Bostower's oblipti I m pay ioasalt a tt0 rm provided b die Nab. VWVV tneraatee ndmbaees Lender (or my adty dot ptndasee *0 Nob) hr cahie loses it MAW Imw r Boma= don not mpay tlt0 Loma a agr" Bmum b mot a paaY b tt0 M09PP btsm . Ivlortgsge btam0rs cvdttate their tool dot on a ands btatetaoe in Erica from dme to tlm0, aid may vita btm spmanam with other pasties that dote or modify dmk risk ortadsce Loses. ThM spsateate ere on sarmus mad amOom *& we goWkwey to ft wrtpp *Am ad *A adw putV (or pat" so dim apameatL JhW epamCo my laqWm do cwg%W mdse ptgm 1 0 mtag ay of fade that dam mm pp bee m may hpve avabble (wheh may include fads obtmuted how Mostgag0 Iasmr m As a )malt of these agreemaste, I.atder. My pmebasa of the NOW MOW hOM, amy adnamr, ay other Costly, or sty m0lumc of my of do foregaiag. mar nod" (dlm* or iadimody) smog Aa derive fian (a might be chsacle rind at) a palsies of Bonowa's payments for bloetg0ge Iasatrso0. in mtcMap for dm&lg of muffying ilia mmatgsgo iwwc's dd<, or n&wng tes a If sneh agaeemeat paovidms tba a gaMm of I OW& Wien a sham of do mem es talc in aochange far a die of 60 ptemitnm paid to the b x mr, the wmg0mmt is ofmn mm d *cwbetab mwAe.' padw (a) Any sib apeememts wl• ad ~ tha smarms tint Bwmww bw apaad to ptq Lbr morlymp Imnerame, a my otter tams of be Low Sam ap all"O wM mat , I I fee aeas.at BOrrewer wM awe for Mortgage Imssraacv, and SOY "MOM rslNOe BOrtwwer m say smM - ?a(PA)W04 Page Iof Is 6 Form $080 IM BK i 885pG468`? 24SIC7424 (b) Any mach Spam" will ant aafeet the rlghle BonvM has • if any - vft I, 1.0, to Bn Isaraooe each the H meawmma lP "- Ioct Ad d IM or easy O Mr law Thasst*h tM *0 tight to reodve calms dl0dommM, to tetpmst aril obWa aaedbOam of As It- In ate bmwam% to have the Martgtge Iasaramoe 0sssMalM aollmaMtai4s astdisr M reaudve a rdmd d aq Mme Iasaruscs prmdesm fiat were maasad sal tke Pere of acct teremetlss ar (ieeatiaa4lsh. ?l. Araigaeveat of MisoeLseoaa nm=W t Beds me. All M*dhmwae Praoeeda am Iktabr snarled to anddhm be paid to Lmder. If the Property Is damaged. such Mitodimwus Procamb sung bur applied to roetoratim or spar[ of Ile if the mllalidon or P* ,b e onommy hmbls ad Leaches am* is not bsmed. Dm im itspia and nseocadnn p<rlod. Lmhder ohm ups ft *U to lhoad attch hl6cdoferamosPmsefs wait Lurch has had an to b"Pect much Psopeegr m common Qb wank Ma hem caaepieled q Lcador'a stdadom. isopectiott ahdl be Ydalsitms p onq*. Leader may pay for alts npalrs and tcatmadon in a disbmrsememt ac In a sades of pope P"" as due tPSdr is aoalpielett tJaless at agredneet b made m or App*d& L aw iagaiees "durst b bo pmid as mom l- aies --- Pimeeds, Leader slur ad be requited to pay Boaower or b ma k bAlumlMmows Prmosds If do re mmadoa a repel is not economically faeIDle or be hrhsemd. the Mimool MMM Pmooale ohm be applied to due am smased by thte Secadty LWtmsam, whether or sot /hem doe, wldt the excess, if my, paid to Boaawer. Such Miece> nom s Proceeds stroll be applied In the order provided for in Section 2. In do event of a total taking, deemration, or loss in valor of IM Ptopaly. the bliecaSaneoms PhWeeds shall be applied to the cams secured by this Seca* Imemmmnt, whoom or not then hhro. wilt the exams, if any. paid b Bo rower. In &a event of a pedal tdit, deeaocdon, or lac hl value of the Propaty in which the bin matMt value of dte Prapedy Lmhedisoly bd me do padtd t*b& desametim at bs in value b equal to or gtem- thas do amount of the soma aectasd by this Secaft Immused bu mdbtdy betlore to p rW Imo, desmncdom. or ism in valve, unless Bomowar and Lurch o&wwis6 motes iA wddag. rte mass m vAodby rule Sommity >Eamntunt aball be reduced by the mromt of do D®moe9aaeors I me00I m d*v d by the followin fmcdom: (a) the total amount of do seam mecomd immed miely below tM pudsl tatiag. deuf<madma, or but in value divided by (b) to it mmket value of rte Ptopaty haumbudy bafous dro pstdal aiding, deemuodon, or bb in value. Any balance dallbe paid to Bummer. In die am of a partial taking, demmhedom, or foes In value of the Piapmty in which be fair natbet vahm of rho Pmptaty imae liaedy Won rho pmM tdit dmwd m. or loss in vales is lea than the amount of die a0= mewmd hamedisirly b*m die portbl tddog, dshaatlam. or Ios is valek udm Bormomr and Lender otherwise agree in wndog, the bfmdlmemta Pmoeeds shall be applied b the sums =cv W by this Swa ty In ftunmat whdher at act the arum we than dm. If thin PmpcrW is abandoned by Sommer, or if, atlec sotce by Lauder to Bu m er dal the Opposing Party (m defined in the next sahtawe) otYm to mules an m rad In am b a claim filar dasa?s, Bomowet hill to respond to Linda within 30 days dw the char do sodoe is glum. Loader is errand In calm and apply rte b6scegmeoma Ptoccedm eldw to mmeam ice arm?r dthe Ptopaty m to rte stmu seaaod by dtis Secmigr Insuu nt, whaha or sot them due. 'Oppodeg Paul' meats due ON Paul cut atom Boamm Mbcellumm Proceeds or the petty sgaimst whom Bottom has a tight of action in mgmd to M adlmeau Proceeds. Bummer shall be in default if my mxiao or proceeding. whedw cbg or aimind. b begat that, in Lmndrr m jadgme ik could ramdt b: Roue of due Psupaty at other maim iat impshmeot afLatZes imlesast In do Property or nigh s under ibis Security Inskomem Bomower as cm sock a *bt* at if accalm don has oocomd, relasm as paovided in Section 19, by amhng the av ion or p emedbg on be dismissed wHh a ruling dust, in Le xWs judgment, preludes fm1aitam of due Property or otter material impairment of innua:?? 40L-S(PA) tweq rny. ho m uQ Farm 3040 flat 'BK t 885PG4686 945107424 La do's kemeet in due Piopaaty or rights under this Sccw* Imk==L Tbo proceeds of may sward a all" for damage that mm W&O"bls to the kn *rmeat of Larder's intmftt to Ae PLOP" sm haeb9 M%Wd and"be polo to L+ahhder. All MUctillmneoa Prooteds dart are not applied to ndmldoa OF vq)* of des Propeaey atoll be applbd in die order provided fain Section 2. It ilarower Not B.eleasedl Forbmaranoe By Lends Not a Wakes. Bxtdkdns of to time for payment of mods =M2 of ammdmtion of the sues wceed by thin Secutrlty bMxnatt POW by Lader b Boaowa or any Sacoessar in Inmceat of Battawa shalt rot epermis to ohm do liabft of 2e110w9r of my S=wam in Turned of Bmweer. Lender shill not be m daed to eomesum pmoeedbigs agtdmt any Snootwor in Talmeat of Baaowa or m reuse b extend time for payment at odwwW s W ft Imosdsdan of deg amen nwxW by this Security laW=wK by 1Omeom of arty deamtd mods by do algW Baetawer Of any Succrosoaa in Iateeftt of Bamwaf. Any fabemame by Leader in afefddng any aipt err needy bmbj ft, woman Wait adon, Lender's acaeptmoc of psywana 5om dud poK m, gadder of StKOwaom is Isle" of Bo oower at in amoune iew data the anma d then dim shall art be a waNa of or pre loft ds exerda of any righter Ma eldy 13. Jda sad Swami L ddillyi Cc4F e . Sacswaors and Asdgos Boom& Bonowef oavemne sod WM dot Borrower's oblig dam and liability dM be font and uswWA Hotaever. MY BanaW who 00.6 as this Seom* Ltanamatt but daft rot atrecvte the Note (a'tiaaiprec'y: (a) is ao-dgaiag skis Seely lasimawt only to morWge, gmmt sad convey dhe co-algae's !armed in the PkOWIy under 1110 tmow of dda Security lawasueng (b) 4 not per o My obligated to pq the moms owned by the SecM* b"NO at Ind (c) sp= that Leader and ray oilier Borrowa an ageas m tend, modify, fofbsar or Mdm MY aocammodedom.widt regmd to the tams of this Secatny Lksauahaht or the NOW willbM the ooAhher'a corlsont. Subject to die provlaiom of Section 18, airy Saa mm in Intettsst of Bar.. -a who aehtmus Bovaovra'a obliplions rnda ei a Sccu ft Insousiew in wide% sad is qp v" d by leader. 11tH obtain mill of Boaowees dpa and beaefm under this 9eratfky insttm=L Bomma IM not be ambmd from Bonower's obilgedom and hMW under da Se uriV Ina4umeat uutcss Lender agrees b srdh aelfaae is wri ft. 1% coves" mad 7gaeemena of this Seeuriry brsanrnmtt 64 bind (except w provided In Saatou 20) and benellt dos sacceaeon and assigns of Lender. 14. Loan Charges. Leader may charge Borrower fees for Mvicft performed NO ooasncoW with Borrower's ddauh, fa the purpose of protecting Leak 'a mtmmst in ds Propa q and righn under titre Swu* Innshuesent, beindiag, bat not limited b, Itte1116y3' fees. larOpmty kWecdon sad valhrsdm fees. In aegerd D any odnr felt, like atatenee of sxpsew sathadly in this Swot Imtrsakaht to clump a specific be to Borrower ehdl not be comlrued Is a pmhiMM as like dhsrghtg of micb fee. Candor may no dwogs fees do on a ps* pmhAioed by this Secuft Instam ent or by Apgliabb Law. If due Lonnie subjea to a bw which sea naorhnom lom c1mrs, and dart late is do* JUMM red ao that the khmmat of other loan drar8ft collected or to be soibged In Oomnedba with 1110 Loan aaond dhe pmaimd gmw. dua: (a) any each km chugs sham be redoced by des smovat neoewsry to aedoca due charge to dhe pahaiaed limit: ad (b) my am shady couecled Erow Boaolaer wbadt amassed peroitted lima wain be refunded to Borrower. Lander may deices to mmin this rafted by reducing the pdadphd owed ceder me Note or by mating a ditsct payment to Borrower. N a rdand oft art principal. Ow redmcdon will be seated sa a pmW prepaymeat widtomc any praprgnmd dhsrgs (whdna or rot a prepayment dwp is provided fa under, the Noe). B=owes melva= of say astir idled made by dttoctpr val0 to Bonowa WE coastiwte a waiver of any right of sedan Borrower W& have Mobs out ooff??eWh ovmtd? 1-1[? 4ft'alPAt (-I Paa• rr a se 6Ed Fear 3079 1101 Bit I 8S5PG4587' 146307414 15. xntt lice ere 'green by Borrower ,oW oa Lender is ? o due a tr have be in wtldaa. Any n snide m BaQOavr been given to Borrower when mailed by lint deer mail or whm wowdl r delivered to Bmmmes eadoe adds m if am by miber amms. Nodes is my one Borrower shat eorddattm motes to eff Domo rs also Applicable Law eaptaaly othawiaa. Thu axes addeees dMA be the Pmpaty Addem ales Besuower here demgaded a a mps nodes sd*m by notes to Lander. Banown *A proopdy aslity Lender Of Baowa's cbmge mf addtma N Linder specOm a prooedera for sporting Bmower's ehmp of addmo, than Borrow. shall only report a cfmsge of address ieoagb tint specleed pwcedma These may be a* on designated nodes address miler dds Security at santyy one alma Any notes w Lander shall be given by delivering it or by meifiag it by first dm mill to Ladees address mod beams atdesa Loader has designated media address by nodes to Borrower. Any nodca In mommmodon wilt tds Socvlity IaMt a1aN duff not bo dmaned to have bow gwen to Lender asps stumMy taceived by Lander if nay mote. 11 by this Security Lntcrosent is also ngdmd miler Appfft't Law, dw Applic" Lew sgaremak md* oho aoaespading ngWwmeRmt Hadar We Seamrhy Tmaru osa lb. (ioveraiog Laws fit"WANK ) llalee Of Crr*MdIML This Smartly loetmmnmt shall b0 gor?aaed by fed" law and the hew oil the in width the psoperty b boated. All rig)w sad obiipdms conmk" in dds Socw* ine rammt nos xd*ct to my raquirmuft said Undmium of Appiiabb Law. Applic" law might explichly or impYohly allow the parties to apes by eoteftact a it might be AK bin such silaaoe shall ant be camerned a a prob bidon e--- egmmammt by conom In the ~ that my pwvidm or dank of die Security lseawamt or the Nola eat with Applicable Law, sud+ oeadet abaft not affect other provisions of dds Secw* lum rument or do Note wlheb an be given effea wont the conakdag poovismn; As and in due S6mn* Inarmamt: (a) words of the maseolins gander dwU matt and Wade amponding enioclnd pimxl and vim veara; and c the word gives a* dt=afto wilhoc oanhy b1i Wm to take any acdoo. 17. Bwrower's Copy. Rommer duff be given ate copy of the Note and of this Saco* Iastrume nt. 1L Tv=Mw of the Proprty ew a Bodkiml Ltatot the Berrower. As wed in this Secdan lg. "Interest in the Property' manna my ]epl at bm ndd hhoewst in is Ptorq, bch dies, but mot anhed to. them hmmand iotaeae rcmdhored in a bond for deed, conretx for deed, =Wbuoat ales contract or escrow agreement, the omens of which lsdw lAasI serf tide by Hammerst a fm aes data to a pardwer. Hall a any part of thin Property army b*md in the Ptopab it sold or tam head (err if Ba mer is not a namral person and abmeilcial ismot in Batromm Is sold or tneufmd) without Lender's prior wrimm eommt. Lender may squire immedialm payment in Batt mf ail smns seamed by this Security lvmmmmt. However. tlt opdmn "not be memclad by Leader IPA e:apsm is psohNied by Applicable Law. H Lender m dues this option, Lender " gave Bmrmwer notes of =d m m. The mates dWl provide a period of not tee than 30 days Lam die date tha mdoe is given In accoedmoa with Seetem 15 wiWae which Harrower must pay ell rum seared by We Swx* Iwrttm L H Baao+var Pdb a pay thou wtms prior a the aapka6on of 16ie period. Loft Way involm any remedies pam)tlod by ride Secant lnetrnmseat without further notes or demand m BOm:ower 14. Bowtowv'a night to Reinstate After Acoderselm If Bormwar mom cads condidm, Borrower dnall have the right a have cefOrcammt of the Swm* mnuamt dimeadanetd at any dm prima to the earliest of. (a) five days befmre =is of line Ropaqr pm mane to any power of mile moatmhad in this Security Imt mnent (b) such other period w Appliea?m Lsav aught speech far the /etmnhtates of Bmmlmer'a Borrower 00 pays OF (Ltmder eaff ears which be dam under this Secm iw rn mmmt and doer Note as if no acceleration had occurred; (b) area any defaatt of any odor covaomis or agcoaneau; (a) p"s off e D 4ft-O(PA) (eam) Py to m es Fwm SOW 1101 OK 1885PG4688 245107424 atpom ba>Md in mfMMS"security loom mt. inchift. bat not ibdted m, xoasaoabb stmmeys' foM p mWly bapeedm and Ydndw Lees, sed odor few btI I I for the papote of proteol a Landers ,--rest m d)e Prrr aW and right mda d6 Searity >aaeoDU and (d) Ober such acdoa m Lanier may reewaa* ngft to assEa do LmdWs lalma is the Prapaty and rights eadtr ddt Sundry Isaktaeoo4 and Bomwer's obsdon to pay do sums omd by fhb SWA* imatmmL ahM eoctdtws imchasgsd. I.aodw tray WOW that BW"W Pay sorb zekdodoooK some and aq"M in sae ar lane of dw foBowittg MF- ttetttaer's chock ar Leraa. m nkmd by Lmdaa (a) cuh; (b) money ads; (e) eadfled dtedr, bast 6 catdtie , dwL podded any soch do* Is diva apoa sa badmdm whore depo& sm b medby a fadaal agetwy, brltemeo>n>k}+ of ettdly. or (d) BbMuWc p=& Tna w. Upon njwt by Borrower. this Scarify Imtcu n t sad oblIgNit a romvd hereby *0 rank fu* adL *ft 0 if tE acodaado I had oeca><ted. Idourova. dds right lo rnI - - shall Dot ap* in rib case of sooeletd m uww socd oa 18. 20. Sow of NON; O=pof Lone Service; Not, of Q*vmm l%Nda or s porft i a=K b dw Note (t pft with d b Bunchy buttumont) ran be sold one or mace rimes wlboot ptiar nodoe to Bmower. A sob W& In* in a O MP ID the Oft QiMM Y dis TM Services") cut Wbo Pa lo& Ptgmeab doe tmdw tiro Note and rids See ft bmto mt and p& t= other mortgage km sectrft *%Rdom Urdu Ws Note, this Seauity Iaammwd. and Appliabb IA:w. 'lbm also might be one or alas Ckoves of dw Lost Swdca wnbbd m a We of the NO& if these is a ehaogo of the Low Saviour. Bortoww wM bo givm wtdd a adios of the chaoga which well oft do same sad ad&= of do now Lao Savieor. rite a&= to which P dmdd be made Old any odwt bhrmadca RBSPA mpim in oomwpian with a andoe of taadw d $Kvidn8. If the Nola is sold and theta tr the Low le amvieed by s Lan Saviear oft than do Ptvchlsar of dw NOW dw nlm% pe hart savbkig obligdloas to Bmowx wR 1a nWn wilh the Lam Serener of bo kamcamed to a mooesaar Lan Savim sad are not nettmod by tlto NOW PUW"W anus o*wwim p udW by #M MM puchasa. NOW Borrower nor Imder may eowdnwa. Join, at be job" ID soy jadidd acdCM (as ahha m IDdtvldeal )ids err the mmiba of a ales) the adm h m the other patty's udou pE t to dds Se o*y lnstmm a or diet albgas the the odta patty has preached my pravbioD cf. or my duty owed by roun of. rids Saadty intrnattatt. anal such Barowa or Latdar has Rog" the other pony (wim suck notice givm in emtpUwm wo the iegdrmimts of Seedon 13) of each albged 1111 sod d'asdsd the riper Pm7 hOM a nessoeabb peaod alas dw XW ft of such aodoe to the amnedve Ueda. If Afflicabb Law PwAdes a time pubd which mm dq= bd= karma acdoa can be taken, dte thou MM wM be d OrM to be rawbAls for 1 - ;p es of dds I gmp1. 7M nodoe of accdaadoti and oppmwalq bare given to Boemwar ptmmmt to SecdaD 22 ad the Mice of a CdM doe Siva b Batmwer PECK= b Bandon is shall be damad to sad* rite nodee and ap M%mity to the catrsodve action ptovisow of ft Secdo 20. 2L HMMh as Sabdactam. As used is 9* Socdcm 21: (a) %H=A m Subslmoa " sre dtae nb t wu dGMW m tonic or huw does Whd oom pdbtsas, or wmW by gavirammatgd Law and t>tc L owbg sabstmoes: gnoliste. b rooms, char f1mmubb a mtcb p odmm produces, told- p wdddes tend betbidda, voladb 80lveat. mW sts emaktbg asbmw or formaldehyde, sad WWRAvs =NOW (b) 'Bavhomtmtal Law' itlaaas federal lawe sad laws of the jEildbdoa wltas the Ptoposty b loafed dut rdob to balth, IdXy c r mvkonmeatl POWOM (c) MnvhnommW O=W bdtdes any taspmso aedoa, ksmafud said-, c r removal acd=, as ddbtod in &vhonm ood Law. and (d) m'Havkmmmtl Cartdldm" momw a cmdkiott dart can sass, eonulbttoe to. or orkawba RAW aD Bavkatm mtl Chnttep. rarur:'+= w 4ft-RPA) roses) v.a? a et nO Form aaa 1101 OK 1885PG4689 245107424 Boaower ahoy nd tmnee a permit the preaeace, aret dhipoeat, or nbw of ow Howdow Snbeomoa, or + n raA I asy Haaadoaa Sdatanoaa, aD a in. BOMMW aW sot do. (a) dot is he li161a{i0n of akp/ Batleoeaoenui My"g pbal aw allow aaya?e doe a do. I.nr. ) wridi creates an Bawkaossewd ar lc) whi & Am an the at tekMe of 2, seams a ooadGba Mat i drewr. afAcii 1i wdse eaf Ake?gr '!ti ma. e paeoedhks two "Boom dkd not q* a Ate peamoe, UM or m the d eptndAn of Hmedm Sabsema a dut sae ieaa?daad 10 a seated zeddarid two and to ?e0eaaece of pI• fie 1lopaats bat aotllodted a, aubalooee is col Baaawa .ahal<prompdy iI l takder wMw sodce Of (a) my hMM a> Kdemaad. a other acdm by ?*r S a 6kh pd?a PropaaQr WA say Haa:doas Saauaoo at law et Bamawac ikaa ?b?e at (ham y Bavhaaawutd Co MM% hwhowj but sot Robed a. gar 1 tape a rdeaae of a rdow daq ?adeae Sabetat % ad (c) aq ooaditioa coiled by do Hmrdow Snbat which adr=* db* Ake wdae d tb Rop". xBaoomwer Sauna, at it saluted by Haaaedaaasaba4mm??, R Bauowar ? Pampa!' ff cow all aboeatry raaee?l acdm is wcac(droceppwt& l Uw. Noftq heroic ahaII taoeca gar aWWon oa i mdar for en EniphMMMMIM. in-m-- mcovaiwm. Banom and Lmder fmdat aaeaaartaad a n as Aelow 22. Atoaluad w Amdra. Lednr &a on own to 3MMMIr pdw to lamb a os toi wft Baraawees hatiacti of aq earatuat ar Y ab Lament (w set pier is aood?slias osdtr tiattlou 1; edeas wtparhlaa els(ae). Laaitkr tlr? iefr! seeaswa d, anmy a6w ddW (a) the dtbdti ) draw aeWa na" to sees do dltiaAiN (e) wbw an - 1 0 awet 1M caz aM leu tMR flaMore to ears me MIwB s sq rams is wedm n of the 8eeasl4r roIsetne?edtb aipit flaeedeaae b 1slroeaaip? asd sere e?f th teaperb. eases aeaoeed by ON Lendat rats to60 iadoaaa f ee to tieWe a11ar soetlaeaWs ass tie ?aaaarl i Nu tbaadawra pooeeMI do soa alws I of a ddYslt ear aq d w '1 1 of ie aeoaiardloa asA fataeYaaa+e. the ddanit b set ewd M 1 I,aaier fu oplNs Ow to sYr I hatsad4b i 11ai d r erase aeewrei 1? tii LarhRaats! w, - - belrr dli and llatet?iae We 8ae'y BaaersNsat ti! 7 1 a be to ed all eras ieorrad i psno 1 rise resaadha i dh b? has act YsMad to. attokrstp' kea attd eoat+ dme erldnoe to 10 OdW porsWadB LIM. fit 3=* 23. lZahaae. tJpat pay?mt of all socks aeoaaai ttre lnaacateeat sad the saute guar Beacom- sha pay say aeo? roe ccom Leo& d*W Bmowee a fee b . bat?r it the lha ie pdd a a third putt' far m- -ka rmdmmd sad Ake cLarpYapAko fee is peamhm4 cedar Apylic?ie Law. de[acu hk peooeodinte a Law, d cad naleaaaa aq aoa a a eadeece this lnemammt. artd waive the bakedt of =7 I, ,a, t or iblaae Slave IN fors" Of amodan. as lm lim of limo. fmm afthamt to r and WN and ?mallm 26>taYt t ft . B®owa'a *n to nwm pwvided in Seaba 19 dM cored a one has prior a 68 aaknnaocaaeat of bWft d a shefft ads a cdka ode pupmtb Ai MVA* hHORMOt. 2& rae+chm MM" M IML it d do debt acmd by this Swd* Inaasmt i Seat to Botrorrar h1 aogaha doe a Ake Pp?tnppeeeett?y.l6ie Seaaily 6rtntmmt ehaQbe a pakchaee mata7 27. Istaaaet Bnte Alter Jaipaaatt. Boaowtr a{teoa Old 60 %W* MOD P"Atb alter s aaot is wimad on tM Note a is an aedoa of =%W faaeebatee duff be dte sate payabb aaa thm a tune uww the Note. •a(Plt} two% Pap kt at It Form son 1161 BK 1885PG4690 745107434 BY Sick BEWW. BMUMdr WUP CA qPW 10 do oaten. aid cotremats om olmd in 0d6 Ste, bwumono Win 6p y Rider uw*d by Bwvwar and nmded Mdk iG ydna ea: QAU`'(9&A- (se* IMM V. Oralm -Borrower (SC4 UBAN Z. Or Bamvar (Se4 (S? -Bmrowa Borrower (Seely (Sao -Borrower -Bmower (Seel} (? -Borrower -Borrawar OftliPAi pool Papa 1641 to Form M* Vol 8K l 885PG469 I 145107424 Caeifloate -A Ire a•. 4- ?f , do hmby oatiry 9M the coma ad&= of ft wak oamed wbMuee is 9919 NOATZ >ti1A1100Dr Lt18, T! 75101-1516 VPfU m my hand ft -41- JL- day of O G IV I", I ZCwy -..*.- K . 'u (/v r As-.6 te.%.eee COIF?lONV ALTH OF PEIARHS7fI.VAMA, C j'kbQ-Y(aAA Cuo Sr- OR this, the ZZ 3? day of 0 G*0 ?•Q? i `? • bd=,N dl W?da dpW off1w. Ply aPPcawd MRM V. OLSvn BU9117t ¦. OLXV39R !wawa to we (of eabdw'a* p u m) to be the ptaeeat(a) whose name(e) a4m eaba b" io the wilt mmumm and ad mow>eW dw b%WW&ey wwaW tho rime for the pntpoeee herebt ooaroit L IN wnwi mm wmEw I hacurM ea my had o>rCW seal. My Cron BxpkM t PP ti PATA CoeaM 0Gpd 41;0°6 1?a-fczrcrWf [ " . rne..torb«. astPA) pow is i 885PG4692 IehfW '" - P010114111 Fora aea 1101 this to be recorded 1 ('t?nii -rl nid County PA Recorder of Deeds EXHIBIT "A" ALL THAT CERTAIN tract of land with the improvements thereon erected situate in the Third Ward of the Borough of Carlisle, Cumberland Cotmty, Pennsylvania, bounded and described as follows, to wit; BEGINNING at a point along the western side of Linn Drive, at the southeastern corner of Lot No. 134, Section "A" as shown on the Plan of Chapel Hill recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 23, Page 64; thence along Lot No. 134, North 55 degrees 23 minutes 26 seconds West, 128.23 feet to a point; thence South 46 degrees 20 minutes 05 seconds West, 33 feet to a point; thence South 22 degrees 01 minute 20 seconds West, 118.08 feet to a point at Lot No. 132; thence South 80 degrees 11 minutes 52 seconds East, 141.66 feet to a point along the western side of Linn Drive; thence by a curve to the right in a northeasterly direction with a radius of 180 feet, an arc length of 90.92 feet to a point, the place of BEGINNING. BEING Lot No. 133, Section "A" on the aforesaid Plan of Chapel Hill. BEINGG improved with a three bedroom split-level dwelling known as 1120 Linn Drive, Carlisle, Pennsylvania. BEING THE SAME PREMISES which William D. Heckler and Iraida C. Quinones, his wife, by Deed dated September 10, 1990 and recorded October 1, 1990 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book 34-U, Page 678, granted and conveyed unto Mark V. Oliver and Susan E. Oliver, husband and wife. 0Mack V. Oliver Susan E. Oliver . 1$$5v;46Cj3 0 "F?'. '^R 20UD9 I16V 12 F ii'2) `z 3 ct.' I . - r $'78.50 Pb Arty ?' lo5r10? oZ333'15 MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff Nationstar Mortgage LLC Vk/a Centex Home Equity Company, LLC, Plaintiff, Vs. Mark V. Oliver and Susan E. Oliver, Defendants. COURT OF CO? CUMBERLAND C> ?_.q! C-7 o 4 .7! c 7. ;SAS - :'N _ P - NO.: 09-7841 Civil Term AFFIDAVIT PURSUANT TO Pa.&C.P. 3129.2 COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND I, Mary L. Harbert-Bell, Esquire, being duly sworn according to law upon my oath, depose and say, 1. On April 7, 2010, a copy of the Notice of Sheriffs Sale of Real Property was served upon the defendant, Mark V. Oliver, by the Sheriff's Office of Cumberland County. 2. On March 17, 2010, a copy of the Notice of Sheriff s Sale of Real Property was served upon the defendant, Susan E. Oliver, by a private process server. A copy of the service return is attached hereto and made a part hereof as Exhibit "A". 3. On April 20, 2010, June 3, 2010, June 4, 2010, and June 7, 2010, a notice of Sheriff's Sale was served upon lien holders of record and interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and made a part hereof as Exhibit "B". Zvi Mary L. H rt-Bell, Esquire Attorney ID No. 80763 Milstead and Associates, LLC Dated: June 25, 2010 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY PENNSYLVANIA NATIONSTAR MORTGAGE LLC F/K/A CENTEX HOME EQUITY COMPANY, LLC; et seq. Plaintiff (Petitioner) V. MARK V. OLIVER; et al. Defendant (Respondent) CASE and/or DOCKET No.: 09=1841 CIVIL TERM Sheriffs Sale Date: 6/2/2010 AFFIDAVIT OF SERVICE Ej Complaint Summons Other: NOTICE OF SHERIFF'S SALE OF REAL PROPERTY I, RYAN MARKS, certify that I am eighteen years of age or older and that I am not a party to the action nor an employee nor relative of a party , and that I served and made known to the person served, SUSAN E. OLIVER ; et al. the above process on the 17 day of March, 2010, at 1:35 o'clock, PM, at 1120 LINN DRIVE STATE COLLEGE, PA 16801, County of Cumberland, Commonwealth of Pennsylvania: Manner of Service: Q By handing a copy at the residence of the Defendant(s) to an adult member of the family with whom he/she resides or to the adult person in charge of the residence because no adult family member was found * n By handing a copy at the residence of the Defendant(s) to the clerk or manager of the hotel, inn, apartment house or other place of lodging at which he/she resides * 0 By handing a copy at the office or usual place of business of the Defendant(s) to the Defendanfs(s') agent or to the person for the time being in charge thereof * * Name: CAROLE HOOVER Relationship/Title/Position: Sister-in-Law Remarks: Description: Approximate Age 46-50 Height 5'4 Weight 130 Race WHITE Sex FEMALE Hair BLA K MilitaryStatus: M No M Yes Branch: Commonwealth of Pennsylvania County of Cumberland SS: Before me, the undersigned notary public, this day, personally, appeared 9,11.&1 1140-el'C5 to me known, who being duly sworn according to law, deposes the following: I hereby swear oral" that the facts set forth in the foregoing Affidavit of Service are true and correct. of Affiant) File Number: 9.11209 Subscribed d s orn to before me this l of da ^0L,- 20 !U Notary Public COMMCNWi cALTH OF PENNSYLVANIA Notarial Seal Erie M. Atflerbach, Notary Public Washington Twp., Beft County My Commission Expires Nov. 18, 2013 LL ? L ? ar? a $ C _ 8 vi ?- '? s o t ? a tl! LL 0 jt'O LL to o G C 7 'O b C ya 3 Q>! ca C .? R (? q C7 ' O W LL ?g C ?UV :OC]? c a 0 and Z pz ?COXsy ? I W g b b E 4 LL C) Z ?S of 0 ?+ ti O O ? 67 ? N ? r• .-K 1 o 1>o r aP4 A? .c 'Ads?xp,3my??a??'i a? 0 m y c?a H?vAv?v?Awx N , ,, .O+ 641, Z? 6 -9 ¢ V ?? p O IS e'?g troiaa a C C sJ{t?? GI L 4 ?I.pp?QQ ? f6 ? O aly ? y ?lCal- U) 9- i-H as A2 9 1 a s $ g U18 4 0 a :o C 01 a z oa Zoo o? FO-p,N w? o N CO it N W t¦`\tad° 4 ?o ?Q r W a d YJ d A?Q?1?? O O "'d cr T wZ" 0 m I 0 ?. 4 g c a" N - °g N i J?li 4 ? f dW Q n o ?(3 Posr ? a s a • ? ?/ ??ae? s 313 012010 76 02 ro 0003 FRd? 21P CODt 08002 ?? '?'? : ? pAAIIE p? r '' pp °z_xppp °' Ct A ?° o .s U W 'd' ao N? . V Q4 0,". -4 a o obi o. R.Z y?.r ?•eL`???V°o N ?? N p 15 A's ocr?13 $3 a?W?z z? e Ul _a r ?s VIA! "o 0 o 15 A M _ ? sw v T? i? s ' 2. Artfde Number 7160 3901 9946 9215 4090 3. Swvkm type MAIL 4. Rwtk*$d DWrerY? (Edm Fee) 0 1. Artlde Addremod to: Internal Revenue Service Federated Investors Tower 13th Floor, 'Suite 1300 1001 Liberty Avenue Pittsburgh, PA 15222 C, awwan X a N ddmy addrM CNN a from Vmn 1? N YFA arse d*-ry aftm bd w: 1120 PAW PS Form 3811, January 2005 Dm mw RewmFtecW J.J. Dept. or Jusuce U.J..ftt[y-1VUaQle List A PA Attn: Mary Catherine Frye, Esq. ksst U.S. Atty Federal Building 228 Walnut Street P.O. Box 11754 Harrisburg, PA 17108 PS Form 3811, January 2005 Don W Rewm Receipt ts?3llo No No ? E MARK No SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SOIICltO~ ~Q~~t~ at ~;iiin6rrl~~~ C5f F i~E ,,F ~`}zc"a"Ea,IF~ Z~~Q C~ i ~ ~ P~`' 3- ~ I F,,` -03°._," 9 x!14 M1~ Nationstar Mortgage LLC Case Number vs. Mark V. Oliver (et al.) 2009-7841 SHERIFF'S RETURN OF SERVICE 03/17/2010 Ronny R. Anderson ,Sheriff who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Susan E. Oliver, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Centre County, Pennsylvania to serve the within Real Estate Writ, Notice of Sale and Description according to law 04/07/2010 10:33 AM -Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on 4!7/10 at 1033 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Mark V. Oliver and Susan E. Oliver, located at, 1120 Linn Drive, Carlisle, Cumberland County, Pennsylvania according to law. 04/07/2010 10:33 AM -Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on 4/7/10 at 1033 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Mark V. Oliver, by making known unto, Mark V. Oliver, personally, at, 1120 Linn Drive, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. 04/23/2010 Centre County Return and now the, 16th day of April 2010, at 1420 hrs served the within Real Estate Writ, Notice of Sale and Description upon Susan E. Oliver, the defendant, by making known unto Susan E. Oliver, at 230 Holly Ridge Drive, State College, Pennsylvania its contents and at the same time handing to her a true and correct copy of the same. So Answers: Hon, Denny Nau, Sheriff of Centre County, Pennsylvania. 06/01/2010 Property sale postponed to 7/7/2010. 07/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on July 7, 2010 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Mary Harbert-Bell, on behalf of Nationstar Mortgage LLC, F/IVA Centex Home Equity Company LLC, 350 Highland Drive, Lewisville, TX 75067, being the buyer in this execution, paid to Sheriff Ronny R. Anderson, the sum of 869.10 SHERIFF COST: $869.10 SO ANSWERS, October 20, 2010 RON R ANDERSON, SHERIFF ~ ~dv ~ . ~ . . s~ ~~. ~~~~~~~ Icj Coun?ySuite Sheaff, Teleosott.. Irc. ~ ` ry ~ fT DD r F MILSTEAD & ASSbCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856)482-1400 Attorney for Plaintiff Nationstar Mortgage LLC f/k/a Centex ~ COURT OF COMMON PLEAS Home Equity Company, LLC, CUMBERLAND COUNTY Plaintiff, No.: 49-7841 Civil Term Vs. AFFIDAVIT OF SERVICE Mark V. Oliver ;PURSUANT TO RULE 3129.1 and Susan E. Oliver, Defendants. STATE OF PENNSYLVANIA COUNTY OF CUMBERLAND Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 1120 Linn Drive, Carlisle, PA 17013: 1. Name and address of Owners(s) or Reputed Owner(s): Mark V. Oliver Susan E. Oliver 1120 Linn Drive 230 Holly Ridge Drive Carlisle, PA 17013 State College, PA 16801 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: None Known {00428595} 4. Name and Address of the last recorded holder of every mortgage of record: Nationstaz Mortgage LLC f/k/a Centex Home Household Realty Corporation Equity Company, LLC 25 Gateway Drive (Plaintiff herein) Gateway SquazeJSte. 107 350 Highland Drive Mechanicsburg, PA 17055 Lewisville, TX 75067 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TenantJOccupant 1120 Linn Drive Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfaze P.O. Box 2675 Harrisburg, PA 17105 Department of Domestic Relations Cumberland County Courthouse 13 N. Hanover Street Carlisle, PA 17013 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~~t ary L. Harbert-Bell, Esquire Attorney for Plaintiff Date: Mazch 9, 2010 {00428595} i MILSTEAD & ASSOCIATES, LLC BY: Mazy L. Hazbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff Nationstar Mortgage LLC f/k/a Centex ~ COURT OF COMMON PLEAS Home Equity Company, LLC, ~ CUMBERLAND COUNTY Plaintiff, No.: 09-7841 Civil Term Vs. NOTICE OF SHERRIF'S SALE OF Mark V. Oliver, ~ REAL PROPERTY PURSUANT and ~ TO PA.R.C.P.3129 Susan E. Oliver, Defendants. TAKE NOTICE: Your house (real estate) at 1120 Linn Drive, Carlisle, PA 17013, is scheduled to be sold at sheriff's sale on June 2, 2010 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $213,221.33 obtained by Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may cal1856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. {00428595} 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compazed to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a shaze of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) aze filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar. Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 9.11209 {00428595} ALL THAT CERTAIN TRACT OF LAND WITH THE IMPROVEMENTS THEREON ERECTED SITUATE IN THE THIRD WARD OF THE BOROUGH OF CARLISLE CUMBERLAND COUNTY PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS BEGINNING AT A POINT ALONG THE WESTERN SIDE OF LINN DRIVE, AT THE SOUTHEASTERN CORNER OF LOT NO. 134, SECTION 134, SECTION "A" AS SHOWN ON THE PLAN OF CHAPEL HILL RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS FOR CUMBERLAND COUNTY IN PLAN BOOK 23, PAGE 64; THENCE ALONG LOT NO. 134, NORTH 55 DEGREES 23 MINUTES 26 SECONDS WEST, 128.23 FEET TO A POINT; THENCE SOUTH 46 DEGREES 20 MINUTES 05 SECONDS WEST, 33 FEET TO A POINT; THENCE SOUTH 22 DEGREES 01 MINUTE 20 SECONDS WEST, 118.05 FEET TO A POINT AT LOT NO. 132; THENCE SOUTH 80 DEGREES 11 MINUTES 52 SECONDS EAST, 141.66 FEET TO A POINT ALONG THE WESTERN SIDE OF LINN DRIVE; THENCE BY A CURVE TO THE RIGHT IN A NORTHEASTERLY DIRECTION WITH A RADIUS OF 180 FEET, AN ARC LENGTH OF 90.92 FEET TO A POINT, THE PLACE OF BEGINNING. Being known as 1120 Linn Drive, Carlisle, PA 17013 Tax Parcel Number: 23-0600-0150-0000000-04 {00428595} WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA)- N009-7841 Civil COUNTY OF CUIVYBERLAND) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NATIONSTAR MORTGAGE LLC F/K/A CENTEX HOME EQUITY COMPANY, LLC Plaintiff (s) From MARK V. OLIVER AND SUSAN E. OLIVER (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $213,221.33 L.L.S.50 Interest FROM 1/9/10 TO 6/2/10 AT $35.05 PER DIEM (6%) Atty's Comm % Due Prothy $2.00 Atty Paid $173.80 Plaintiff Paid Date: 3;10!1.0 Other Costs TO BE ADDED vid D. Buell, Pro onotary (Seal) By: Deputy REQUESTING PARTY: Name: MARY. PrARBERT-BELL, ESQUIRE Address: 220 LAKE DRIVE EAST, SUITE 301 CHERRY HILL, NJ 08002 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. 80763 On March 22, 2010 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA, Known and numbered as, 1120 Linn Drive, Carlisle more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 22, 2010 By: Real Estate Coordinator V ~'iRi ~61 U V L~ .~ ~ .G i Y, _t t` r 1 t ~s i' PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Cazlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regulazly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: April 16, Apri123, and April 30, 2010 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and chazacter of publication aze true. i~~~ isa Marie Coyn ,Editor SWORN TO AND SUBSCRIBED before me this 30 da off April, 2010 ) Notary ..,..~ NOTARIAL SEAL DEBORAH A COLUNS Nogry Pubik CARLISLE BOROt!(iH, CUNIBEALAND COUNTY Nly Commbaion Expires Apr 28, 2014 writ lio. 9009-7441 CMl Nationatar Mortgage LLC vs. Mark V. Oliver Susan E. Oliver Atty: Mary L. Harbert-Bell ALL THAT CERTAIN tract of land with the improvements thereon erected situate in the Third Ward of the Borough of Carlisle Cumberland, County Pennsylvania, bounded and described as follows: BEGINNING at a point along the western aide of Linn Drive, at the southeastern corner of Lot No. 134,. Section 134, Section °A" as shown on the Plan of Chapel Hill recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 23, Page 64; thence along Lot No. 134, North 55 degrees 23 minutes 26 seconds West, 128.23 feet to a point; thence South 46 degrees 20 minutes 05 seconds West, 33 feet to a point; thence South 22 degrees O1 minute 20 seconds West, 118.05 feet to a point at Lot No. 132; thence South 80 degrees 11 minutes 52 seconas East, 141.66 feet to a point along the western aide of Linn Drive; thence by a curve to the right in a northeasterly direction with a radius of 180 feet, an arc length of 90.92 feet to a point, the place of BEGINNING. Being known as 1120 Linn Drive, Carlisle, PA 17013. Tax Parcel Number: 23-0600- 0150-0000000-04. t'~ ~, .. ,Y ..a i Z'! ~ %% i t . ~~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } S5: I, Robert P. Zie ler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Nationstar Mortgage LLC is the grantee the same having been sold to said grantee on the 7th day of J~ A.D., 2010, under and by virtue of a writ Execution issued on the 10th day of March, A.D., 2010, out of the Court of Common Pleas of said County as of Civil Term, 09 Number 7841, at the suit of Nationstar Mortg_a~e LLC fka Centex Home Equity Co LLC against Mark V & Susan E Oliver is duly recorded as Instrument Number 201030259. IN TESTIMONY WHEREOF, I have h~unto set my hand and seal of said office this o7l .~- day of A.D. 0 O 4~~~_,-_ of Deeds w -~ The Patriot-News Co. 2020 Technology Pkv~y Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 c~be~latriot•News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 04/16/10 Sworn to and ~ipscribed before me this; l8 d of May, 2010 A.D. _,~ ~ ; ,- i _- Notary Public ~OMMONW~„'~p~ r~yLVANIA Noterlet Seel Sherrie L. KlSner, Notary Publk Lower Paxton TWp., Dauphin cpw,ty My Commiesion E~Ires Nov, 26, 2011 Member, PennsYlvanla Association of Notaries 04/23/10 04/30/10 Writ No: 20Q9-7841 CIvH Term Natkmetar Mortgage LLC Vs. Mark V. Oliver Suean E. Oliver Atty: Mary L. Hart~ert-Beq ALLTHATCFRTAINTRACf OFLANDWTTH THE IMPROVEMENTS THEREON ERECTED SITUA'l;E IN THE THIltD WARD OF THE BOROUGH OF CARLISLE CUMBERLAND COUNTY PENNSYLVANIA,BOUNDEDAND DESCRIBED AS FOLLOWS: BEGINNING at a point ALONG THE WESTERN SIDE OF LINN DRIVE, AT THE SOUTHEASTERN CORNER 0~ LOT N0.134, SECTION 134, SECTION "A" AS SHOWN ON THE PLAN OF CHAPEL HILL RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS FOR CUMBERLAND COUNTY IN PLAN BOOK 23, PAGE 64; THENCE-ALONG LOT N0.134, NORTH 55 DEGI{EES 23 MINU'TF,S 26 SECONDS WEST, 128.23 FEET TO A POINT; THENCE SOUTH 46 DEGREES 20 MINUTES OS SECONDS WEST, 33 FEET TO A POINT; THENCE SOUTH 22 DEGREES Ol MINUTE 20 SECONDS WEST,118.05 FEETTO A POINT AT LOT N0. 132; THENCE SOUTH 80 DEGREES 11 MINUTES 52 SECONDS EAST, 141.66 FEET TO A POINT ALONG THE WESTERN SIDE" OF LINN DRIVE; THENCE BY A CURVE TO THE RIGHT IN A NORTHEASTERLY DIRECTION WITH A RADNS OF 180 FEET, AN ARC LENGTH OF 90.92 FEET TO A POINT; THE PLACE OF BEGINNING. BEING la~own as 1120 Linn Drive, Cazlisle, PA 17013 Tax Parcel Number: 23-0600-0150-0000000-04