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HomeMy WebLinkAbout11-2408I PARKER McCAY P.A. By: Mary Wu, Esquire Attorney ID# 209171 Three Greentree Centre 7001 Lincoln Drive West P.O. Box 974 Marlton, NJ 08053-0974 (856) 810-5815 Attorney for Plaintiff File #:14871-0220 T ?L?s"' 1"t f j Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass- Through Certificates, Series 2004-FR1 4875 Belfort Road Suite 130 Jacksonville, FL 32256 : COURT OF COMMON PLEAS : CUMBERLAND COUNTY FEBRUARY TERM, 2011 - A00 CIVIL ACTION MORTGAGE FORECLOSURE Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 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 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. cklo ???? IF YOU CANNOT AFFORD TO HIRE A LAWYER, ABLE TO PROVIDE YOU WITH INFORMATION ABOUT OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A FEE. Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 THIS OFFICE MAY BE AGENCIES THAT MAY REDUCED FEE OR NO PARKER McCAY P.A. By: Mary Wu, Esquire Attorney ID# 209171 Three Greentree Centre 7001 Lincoln Drive West P.O. Box 974 Marlton, NJ 08053-0974 (856) 810-5815 Attorney for Plaintiff File #: 14871-0220 Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass- Through Certificates, Series 2004-FRI 4875 Belfort Road Suite 130 Jacksonville, FL 32256 Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 Defendants. : COURT OF COMMON PLEAS : CUMBERLAND COUNTY FEBRUARY TERM, 2011 CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FR1 (the "Plaintiff'), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 4875 Belfort Road, Suite 130, Jacksonville, FL 32256 by way of Complaint says the following: 2. Defendants, Victor A. Blatnik and Beverly A. Blatnik (hereinafter referred to as "Defendants") are adult individuals and are the real owner of the premises hereinafter described. 3. Defendants reside at 5 Patton Road, Mechanicsburg, Pennsylvania, 17055 with a mailing address at 5 Patton Road, Mechanicsburg, Pennsylvania, 17055. 4. On March 24, 2004 in consideration of a loan in the principal amount of $98,000.00 Defendants, executed and delivered to Ameriquest Mortgage Company, a fixed rate note (the "Note") with an interest rate at 6.450% per annum, and monthly payments of $851.00 commencing on May 1, 2004 and continuing each month until the maturity date of April 1, 2019. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit "A". 5. To secure the obligations under the Note, Defendants executed and delivered to Ameriquest Mortgage Company, a mortgage (the "Mortgage") dated March 24, 2004 and recorded on March 30, 2004 in the Recorder of Deeds in and for the County of Cumberland as Book 1858, Page 4390. A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit "B". 6. By Assignment of Mortgage, Citi Residential Lending Inc., as Attorney in fact for Ameriquest Mortgage Company, assigned its mortgage to Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FR1, Under the Pooling and Servicing Agreement Dated April 1, 2004 which Assignment of Mortgage was recorded on February 19, 2009 in the Cumberland County Recorder of Deeds as Instrument No.200904516. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 7. The Mortgage secures the following real property (the "Mortgaged Premises"): 5 Patton Road, Mechanicsburg, Pennsylvania 17055. A copy of the legal description of the Mortgaged Premises is attached hereto as Exhibit "D" and made a part hereof. 8. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due October 1, 2010, 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. 9. The following amounts are due on the Mortgage and Note: Balance of Principal $67,100.14 Accrued but Unpaid Interest from 9/1/2010 - 1/23/2011 6.450% _ $1,703.50 Accumulated Late Charges $204.24 Previously Accrued unpaid Late Charges $445.00 Corporate Advances $30.00 Recoverable Balance $17.08 Title Search Fees $250.00 Reasonable Attorney's Fees $1,300.00 Suspense Balance ($919.20) TOTAL as of October 1, 2010 $70,130.76 Plus, the following amounts accrued after October 1, 2010: Interest at the current Rate of 6.450% per annum ($11.86 per diem); 6% of the overdue payment of principal and interest; any amounts expended for future corporate advances, taxes and insurance along with additional costs and attorney fees incurred in this foreclosure action. 10. During the course of this action, the plaintiff may be obligated to make advances for the payment of taxes, assessments, insurance premiums and necessary expenses to preserve the security, and such sums advanced under the terms of the Note and Mortgage, together with interest, will be added to the amount due on the mortgage debt and secured by the plaintiff's Mortgage. 11. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, Act 91 of 1983 ("Act 91 Notice") has been sent to the Defendants on December 3, 2010, via certified and regular mail, in accordance with the requirements of the Act. A true and correct copy of such notice is attached hereto as Exhibit "E" and made a part hereof. 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 9, namely, $70,130.76 plus the following amounts accruing after October 1, 2010, to the date of judgment: (a) interest of $11.86 per diem, (b) late charges of 6% on any overdue payment of principal and interest 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) costs of suit; and (f) any amounts expended for future corporate advances, taxes and insurance. PARKER MCCAY, PA Dated: By: AWaryyAsquire Attornfor Plaintiff VERIFICATION I, M, lJ, hereby certify that I am a ?'16_q Assistant Secretary of American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. is Attorney in fact for Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FRI pursuant to a certain power of attorney. I am authorized to make this verification on behalf of, Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FRI. I verify that the facts and statements set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief, based on review of business records during the normal course of business. This verification is made subject to the penalties of 18 Pa. C.S.§ 4904, relating to unsworn falsification to authorities. d Name: Title: Assistant Secretary Blatnik, 5 Patton Road, Mechanicsburg, Pennsylvania, 17055. File No. 14871-0220 EXHIBIT A Loan No. 0067881441 - 5583 FIXED RATE NOTE THIS LOAN HAS A PREPAYMENT PENALTY PROVISION March 24, 2004 Orange CA [Date) [City] tstete] 5 PATTON ROAD, MECHANICSBURG, PA 17055 [Property Address] _ 1. BORROWER'S PROMISEITO;PAY In return for a loan that I have received, I promise to pay U.S. $ 98,000.00 (this amount is called "principal"), plus interest, to the order of the Lender. The Lender is Ameriquest Mortgage Company. I understand that the Lender may transfer this Note. The 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 6.450 %. The interest rate required by?this Section 2 is the rate I will pay before and after any default described in Section 6(B)- of this Note. 3. PAYMENTS (A): Time and Place of Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the first day of each month beginning on May 1, 2004. 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. My monthly payments will be applied to interest before principal. If, on April 1, 2019, 1 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: 505 City Parkway West, Suite 100, Orange, CA 92866 or at a different place if required by the Note Holder. (B). Amount of Monthly Payments My monthly payments will be iq the amount of U.S. $851.00. 4. BORROWER'S RIGHT TO PREPAY I may repay this Note at any time as provided for in this paragraph. If the original principal amount of this loan is $50,000.00 or less, I may make a full or partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds $50,000.00, and if within the Tiirst 3.00 year(s) after the execution of this Mortgage', I make full prepayment or, in certain cases a partial prepayment, and the total of such prepayments in any one (1) year exceeds twenty.. percent (20%) of the original principal amount, i will pay a prepayment charge in an amount equal to the payment of six (6) months advance interest on the amount prepaid which is in excess of twenty (20%) of the original principal amount. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, Is finally Interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then; (1) any such loan charged shall be, reduced by the amount necessary to reduce the charge to the permitted limit; and (11) any sums already collected from me which 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. 6. 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 fifteen 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 6.000 % of my overdue payment of principal and interest. 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 on the date it is due, I will be in default.. (C) Notice of Default If I am in default, the Note Holder may send me 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 which has not been paid and all the Interest that I owe'an that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed me. inhials: ® ?I 1 oft 03/2412004 12:18:51 PM 000000878814410300290201 2004PA( W.07=) Loan No. 0067881441 - 5583 (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 immediately in full as described above, the Note Holder will have the right to be paid back by me for all its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include,.for!example, reasonable attorney's fees. 7. 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 mailing 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. 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 3(A) above or at a different address if I am given a notice of that different address. S. OBLIGATIONS OF PERSONS UNDER THIS NOTE . If more than one person signs 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: 9. 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 Haider to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. 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 which might result if I do not keep 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 are, described as follows: Transfer of the Property:or a Beneficial Interest in Borrower. If all or any part of the Property or any interest In it is sold or transferred. (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may at Its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if prohibited by federal law as of the date of this Security Instrument. If the Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 da4;from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED X- (Seal) (Seal) Borrower: VICTOR A. BLATNIK 4.,. r: VERLYA. BLATNIK SSN: SSN: (Seat) Borrower: SSN: 000000676E14410300290202 (Seal) Borrower: SSN: 2 of 2 03124/200412:18:51 PM 200.1PA (RW. 07M EXHIBIT B ?? - ROBERT P. ZIEGLER RECORDER Or DEEDS W,11 SBERLAND OOUNTY,P'4; '09 VIRR 30 Pik 2 92 Prepared By:Ameri quest Mortgage Company Return To: Miriam Roman-Carvajal 1817 Olde Homestead Ln., Suite 207,Lancaster, PA 17601 Parcel Number: 18-21-0287-020 DEFINITIONS Ameriquest Mortgage Company P.O. Box 11507, Santa Ana, CA 92711 (Space Abovo This Line For Recording Data] MORTGAGE Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 24, 2004 together with all Riders to this document. (B) "Borrower" is VICTOR A BLATNIK AND BEVERLY A BLATNIK, HIS WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Ameriquest Mortgage Company PENNSYLVANIA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3039 1101 03/24/2004 12:18:51 0067881441-5583 AM6PA (wii) Q Paget of 18 ?, i {?""} 11M 0301501701 ll 00000087881441 VMPModMea0kift a (0)527281 BKI858PG4390 x Lender is a Corporation organized and existing under the laws of Delaware Lender's address is 1100 Town and Country Road, Suite 200 Orangl, CA 92868 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated March 24, 2004 The Dote states that Borrower owes Lender ninety-eight thousand and 00/100 Dollars (U.S. $ 98, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in. full not later than April 1, 2019 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (N) "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. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ? Adjustable Rate Rider ? Condominium Rider 0 Second Home Rider 0 Balloon Rider ? Planned Unit Development Rider El 1-4 Family Rider 0 vA Rider ? Biweekly Payment Rider 0 Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues, Rees, 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 similar organization. (d) "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 to a 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. (10 "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous 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: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. .o AM6PA (wil) Nge2of 16 Form 3039 1101 0067881441-5583 WIN 03/24/2004 12:18:51 00000067881441030180 nix ?I 8KI858PG439I (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (1V) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (u') any amounts under Section 3 of this Security Instrument. (O) "RESP " means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et'seq.) and its lation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, rnplemenlAg 70 or any r snccessoz legislation or regulation that governs the same subject matter. As used in this Secnnty Instrument, "RESPA" refers to all requirements and restrictions that aze imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means an party that has taken title to jPropeqy, whether or not that party has assumed Borrower's obligations under the Note and/or this Securitstrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the county [Type of Recording Jurisdiction] of CUMBERLA14D [Name of Recording Jurisdiction]: Legal Description Attached Hereto and Made a Part Hereof. which currently has the address of 5 PATTON ROAD MECHANICSBURG ("Property Address"): AM6PA (3i1) 03/24/2004 12:18:51 [Street] [City], Pennsylvania 17055 [Zip Code] Page 3 of 16 Form 3039 1101 0067881441- 5583 W ow Jw 00000067881441030 501703 11 BKii858PG4392 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, 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 COVENANTS that Borrower is lawfully seised of the estate her by gonyeyed and has the right to mortgage, grant and convey the Property and that the Property is nneicumber?d, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to an encumbrances ofrecord. THIS SECURITY 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 charges 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 Note 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, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, mstrumentahty, 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 paymeat insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its nghts to refuse such payment or partial P aymenin the future, but Lender is not obligatedto applsuch p ayments at the time such payments are cceptPriodic Paymappof ts scheuled due date, thea Lender need not pay interest n unappli ed fiords. Lender ma hold such unapplied fends until Borrower makes payment to bring the Loan current If Borrower doex not do so witl»n a reasonable period of time, Lender shall either apply such funds or return them to Borrower. 1nottelder alied earlier, such ds will be applied to the outstanding principal bcer the Nay oor to foreclosureNo offset or rdaim which Borrower might have noor the future against shall. relieve Borrower from making payments due under the Dote and this Security Instrument or perfonning tha covenants and agreements secured by this Security Instrument. 2. Application 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 Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each PPeriodic Payment is the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amofts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives 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 more 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 can be paid in AM6PA p311) Pape 4 of 18 Form 3038 1101 0067881441-5583 03/24/2004 12:18:51 0000oo6rael 10301601704 )?K I?s? 0=43R3 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 be 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 assessments 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 I?surancq premiums in accordance with the provisions of Section 10. These items are called "Escrow Items i" At or' ination or at any time during the term of the Loan, Lender may require that Community Association Does, 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 shalt 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 fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount 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 Section 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, at 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 RESPA. Leader shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds sha11 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. Leader shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. 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 shall be AM6PA pit) Pese6of16 Form 3039 1101 0067881441-5583 03/24/2004 12:18:51 0000006m 1 10301601706 NI BK I858PG4394 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 excess funds in accordance with RESPA. If there is a shortage 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 shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RBSPA, 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 payment in full of all sams 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 Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properly, 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) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only 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 (c) secures from the holder of the lien an agreement satisfactory to Leader subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifyumg the lien. Within 10 days 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. Borrowerishall 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 including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall 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, certification and tracking services; or (b) a one-time 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 fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. 1 L/ -49 AM6PA (oat i) Page ad is Form 3039 1101 0067881441-5583 03/24/2004 12:18:51 pl 000000878814410301501708 BU858PG4395 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Leader is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not pzotect Borrower, Borrower's equity m 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 Borrower could have obtained. ?y 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 from 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 disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold th4 po4cieq and renewal certificates. If Leader requires, Borrower shall promptly give to Lender all receipts df paid pprremiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Prope%such olicy 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 of 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. Daring such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an _opportunity to inspect such Property to ensure the work has been completed 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 payments 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 pro ceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Leader acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Leader (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender i0 Pops 7 of le Form 3039 1101 0067881441-5583 WHdh aw I'm MM 03/24/2004 12:18:51 wffft?m 0 00078814410301SC1707 111 y 1858PG4396 otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist 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 Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant 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 proceeds are paid in connection with damage to, or the taking of, the Property, 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 repays and restoration m a single payment or in a series of progress payments as the work is completed; If the insurance or condemnation proceeds are riot sufficient to repair or restore the Property, B orrower is not relieved of Borrower's obligation for the completion of such repair or r?sto{ atiq?n. Lender or its agent may make reasonable entries upon and inspections of the Propdrty. 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 inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be m 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, misleadia or inaccurate information or statements to Lender (or failed to provide gave with material mfomration) 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. Protection 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 Instrument (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 ap?mpriate to protect Lender'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 repairingg the Property.. Lender's actions can include, but are not limited to: (a) paying any sums secured by alien w: ch has priority over this Security Instrument; .(b) appearing in court; and (c) paymg reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument mcluding its secured position in a bankruptcy proceeding. Securing the Property 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, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty ox obligation to do so. It is agreed that Leader incurs no liability for not taking any or all actions authorized under this Section 9. An 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 shall be payable, with such interest, upon notice from Lender to Borrower requesting payment 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. _ AM6PA (o3t1) page 8of16 Form 3039 1/01 0067881441-5583 03/24/2004 12:18:51 r, NMI. ?I 00000087x614410301501706 BK i 858PG4397 10. Mortgage 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. It for any reason, the Mortgage Insurance coverage requued by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was regwred to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially eq?uvalent 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, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall 4ot be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require lops reserve payments if Mortgage Insurance coverage (m the amount and for the period that Leader 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 prennums required to maintain Mortgage 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 for 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 Insurance reimburses Lender (or an entity that purchases the Note) for certain losses it may incur if Borrower 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:requiie the mortgage insurer to make payments using any source of funds that the 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 reinsures, any other entity, or any affiliate of any of the 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 msarer's risk, orreducmg losses. If such agreement yrovides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insures, the amdngement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other 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. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mo a Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may in ude the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, 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 Bach cancellation or termination. AM6PA pip) k4 Page a of 16 Form 3039 1101 0067881441-5583 03/24/2004 12:18:51 00oooo6res a4losotsolms -'?I BB1858-PG098 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall 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 periods 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 satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work ii completed. Unless an agreement is made in writing or Ap licable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower an interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would bg lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, Whether or not then due, with the excess, if any, pkd to Borrower. Such Miscellaneous Proceeds shall be applied in the order 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, paid to Borrower. In the event of 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 by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss m value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Y balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial tal*, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender 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 Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing MIN "med in the next sentenoffers to make an award to settle a claim for damages, Borrower fails o Lender within 30 daafter the date the notice is given, Lender is authorized to collect and iscellan?us Proceeds er to restoration or repair of the Property or to the sums secured by Instrument, whether not then due. "Opposing party that owes Party" means the third iscellaneous Proceeds the party against~whom Borrower has a right of action m regard to s Proceeds. Borrower shall be in default if an y action or proceeding, whether civil or criminal, is began. that, in Lender's judgment,, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property 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 dismissed with a raliag that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Leader's interest in the Properly or efts under this Security Instrument. The proceeds of any award or claim for damages that are attributable to time impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. 14401? 46t6 AM6PA (osi i) Pape lo W to Form 3039 1101 0067881441-5583 03/24/2004 12:18:51 ' 0aooeiaaM0301 o 8K t 858PG4399 All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower 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 any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in 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 Successors 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, ee-? tigp or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a wai'kier of or preclude the exercise 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 Security Instrument but does not execute the Note (a "co-signer.'): (a) is co-signing this Security Instrument only to mortgFer e, grant and convey the co-signer's interest in the Proby thi erty under the terms of this Security Instrument; ) is not personally obligated to pay the sums secured s Security nt; and (c) agrees 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 the 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, shall 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 agrees to such release in writing. The covenants and agreements. of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigtis of Lender. 14. Loan Charges. 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 lnnited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of expzess authority m this Security Instrument to charge a specific fee to Boaower shall not be construed as a prohibition on the charg' of such fee. Lender may not charge fees that are expressly prohibitcd 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, thee: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted Emit; and tb)) any sums already collected from Borrower which exceeded permitted limits will be refunded to Boaower.'Lefnderinay choose t4 make this refund by reducing the principal owed under the Note 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 Borrower will constitute a waiver of an right of actron Boaower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actu4y delivered to Borrower's notice address if sent by other means. Notice to, any one Borrower shall constitute notice to all Borrowers unless ?? AM6PA (0311) Pegg f 1 of is Form 3039 1101 0067881441-5583 03/24/2004 12:f8:51 000OOOV D1441030IW1711 Blt 1858PG4400 Applicable Law expressly regires otherwise. The 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 shall be given by delivering it or by mailing it by fast class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Leader until actually received by Lender. If any notice regn by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will -Satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitatioz4s of App licable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it migh?be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that an provision or clause of this Security Instrument or the Nate 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 this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter 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 solle 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 Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any leal or beneficial interest in the Propp , including, but not limited to, those beneficial interests transferred in- a bond for deed, contract for de 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 ali 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 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 exercise is prohibited by Applicable Law. If Lender 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 pa these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 29. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the nght to have enforcement of this Security Instrument discontinued at anytime prior to the earliest of (a) five days before sale of the Property pursLuant to any power of sale contained iii this Security Instrument; (b) such other period as Applicable aw might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Secun?y Instrument. Those conditions are that 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 an default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable AM6PA pi 1) Page 1z 016 Form 3039 1101 0067881441-5.583 03/24/2004 12:18:51 00000007861441030150 71 11 BK1858PG440-1 attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security instrument, shall continue unchanged. Leader may regsire that Borrower ay such reinstatement sums and eexxppe?nses in one or more of the following forms, as selected by Lender: a) cash; (b) money order; (c) ctZed check, bank check, treasurer' s c heck 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) ffiectronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or apartial 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" ) th4t cojiects 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 changes 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 Servicerj the address to which payments should be made and any other information RESPA requires in connection 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 Noteyurchaser. Neither Borrower 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 Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security 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 parposes 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 18 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 Section 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, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or em*ironmental protection; (c) "Environmental Cleanup" includes any response action, remedial motion, or removal action, as defined m Environmental Law; and (d) an Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or perind the presence, use, disposal: storage, or release of any Hazardous Substances, or thre4ten 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 L+4A! 60 AM6PA (os11) Page 130110 Form 3039 1101 0067881441 - 5583 03/24/2004 12:18:51 1961HOM11 0000006TM4410301501T13 g? 1'58PG44-oz Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, 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 any governmental or regulatory agency. or private party involving the Property 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 Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall crepte any obligation on Lender for an Environmental Cleanup. ,_ NON-UN FORM COVENANTS. Borrower and Lender further covenant and agree as follows; 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach 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, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to-the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall tenninate and become void. After such occurrence, Leader 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 is permitted under ;Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings 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 exemption. 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 sheriff s sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If an 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 agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. AM6PA (0311) page 14 of 16 Form 3039 1101 0067881441-5583 WED" 03/24/2004 12:18:51 ?I 000000578x14410301501714 e? 1$S8PG444 a ° t 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 it. Witnesses: - (Seal) -Borrower - (Seal) -Borrower - (Seal) -Borrower _ (Seal) -Borrower _ (Seal) -Borrower - (Seal) Borrower AM6PA (oa11) Page 1e of 1e Form 3039 1101 03/24/2004 12:18:51 0067881441-5583 000000679814410301501716 ?L (Seal) VICTOR A. BLATNIK -Borrower hwltvabi)?' (Seal) EVERLY . BLATNIK -Borrower BW.I S5.9PG4404 Certificate of 7'7a?- idence I, , do hereby certify that the correct address of the within-named Mortgagee is Witness my hand this av day of COMMONWEALTH OF PENNSYLVANIA &Ur4499f-/-Aqd,/J County ss: On this the undersigned day of A" c7.... before me, -I o on etfi7 r known to me (or satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: /' Z --P-Z11)7 _Xd NOTARIAL SEAL David Sylvester, Notary Public West Chester Boro., Chester County My commission expires December 8, 2007 Title o O er 1- 11 1, 1 - WI :NA1I 000000678814410301501718 T Certify this to be recorded 400-IOPAt4M4 i tl CumPte'rland County PA°067"1441- 5583 03124/200412:18:51 PM ¦ 8 ?'e of Deeds ry LEGAL DESCRIPTION 5 PATTON ROAD MECHANICSBURG, PA-1'10!)b CUMBERLAND County E=BIT I A I All that certain piece or parcel of land, situate in Mechanicsburg, Cumberland County, Pennsylvania, more particularly bounded and doscribod as tollows, to wit: BEG1NNIk4 at a point-on the Northern side of Patton Road whidh point is also the dividing•line of Lots No. 18 and 19 on the hereinafter . montionod Plan of Lots; thonco along said dividing lino North 10 degrees 23-minutes. West 114.28,feet to a point on the lands now or formerly of.Cumberland Wilson Estates, Inc.; thence along-said land Borth 79 degrees 42 minutes 30 seconds East (erroneously reterred to in prior-deeds as North 72 degrees 42 minutes 30 seconds Fast) Fast 65.00 feet to a point at the dividing line of Lots Nos; 17 and 18 "on the hereinafter mentioned Plan of Lots; thence along said dividing line South 10 degrees .23 T.nutes Fast '1'14.18 feet to a point on the Northern side of Patton Road; thence along the Northern side of Patton-Road South 79 degrees•37 minutes West 65.0 feet to a point and place of 8XQ+NNINU. BEING Lot No.- 18, Block C, on the Final Plan of. Part of Hlooks A,C,D,F,VrtG', AND H Wynnewood Lark as recorded in the office of the Recorder of Deeds in and for Cumberland County in Plan Book 30, Page 116. UNDWR AND SUBJEUT to a 25 foot building set back line. BK 18 58PG440b .? EXHIBIT C usko ? VIVI?dMIV? Prepared by. Jessica FretweIVNTC,2100 Alt. 19 North, Palm Harbor, FL 34683 (800)346-9152 Return To: AMERICAN HOME MTG SERVICING C/O NTC 2100 All. 19 North Palm Harbor, FL 34683 CRL L#: 0067881441 Assignee L#: 4000554339 UPI#: 18-21-0287-020 Investor L#: 0067881441 Custodian: 85 Effective Date: 02/11/2009 ASSIGNMENT OF MORTGAGE FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the undersigned, CITI RESIDENTIAL LENDING INC., AS ATTORNEY-IN-FACT FOR AMERIQUEST MORTGAGE COMPANY, WHOSE ADDRESS IS 10801 E. 6TH STREET, RANCHO CUCAMONGA, CA 91730, (ASSIGNOR), by these presents does convey, grant, sell, assign, transfer and set over the described mortgage together with the certain note(s) described therein together with all interest secured thereby, all liens, and any rights due or to become due thereon to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR, AMERIQUEST MORTGAGE SECURITIES INC. ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-FRI, UNDER THE POOLING AND SERVICING AGREEMENT DATED APRIL 1, 2004, WHOSE ADDRESS IS 1761 EAST ST. ANDREW PLACE, SANTA ANA, CA 927054934, (ASSIGNEE) said mortgage dated 03/24/2004, in the amount of $98,000.00 made by VICTOR A. BLATNIK AND BEVERLY A. BLATNIK to AMERIQUEST MORTGAGE COMPANY recorded on, in the Office of the Recorder of Deeds of CUMBERLAND County, Pennsylvania, in Book 1858, Page 4390 (or Document No.) Mortgage Premise:5 PATTON ROAD TWP OF MECHANICSBURG MECHANICSBURG, PA 17055 In Witness whereof, the said Corporation has caused this instrument to be executed in its corporate name by CRYSTAL MOORE its VICE PRESIDENT and authorized signer, THIS 20TH DAY OF JANUARY IN THE YEAR 2009 CITI RESIDENTIAL LENDING INC., AS ATTORNEY-IN-FACT FOR AMERIQUEST MORTGAGE COMPANY POA RECOR :02/07/2008 DOC#:200803845 By: CRYSTA RE VICE PRESIDENT CRLAS 9160805 1/31 CJ2024219 N4 00111 III IN MNI Iiil 1111 X9160805' fmmS49MPA t Loan Number 0067 88 1 44 1 STATE OF FLORIDA COUNTY OF PINELLAS On 01120/2009, before me, BRYAN J. BLY the Undersigned, Notary Public, personally appeared CRYSTAL MOORE who acknowledged to be the VICE PRESIDENT of CITI RESIDENTIAL LENDING INC., AS ATTORNEY-IN-FACT FOR AMERIQUEST MORTGAGE COMPANY a corporation, and that s/he as such, being authorized so to do, executed the foregoing instrument for the purposes therein contained, by signing the name of the corpora 'on emselves as such corporate officers. IN WITNESS WHEREOF, I hereunto set my hand and official se Bryan J. Sly NoWry Public. 91ate of Florida ComMlesion#DO091056 BRYAN J. BLY Nota Public 0 E?=j%* 011 My commission expi s: 07/01/2011 tjonded Assignment of Mort age from: CITI RESIDENTIAL LENDING INC., AS ATTORNEY-IN-FACT FOR AMERIQUEST MORTGAGE COMPANY, WHOSE ADDRESS IS 10801 E. 6TH STREET, RANCHO CUCAMONGA, CA 91730, (ASSIGNOR), to: DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR, AMERIQUEST MORTGAGE SECURITIES INC. ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-FR 1, UNDER THE POOLING AND SERVICING AGREEMENT DATED APRIL 1, 2004, WHOSE ADDRESS IS 1761 EAST ST. ANDREW PLACE, SANTA ANA, CA 92705-4934, (ASSIGNEE) Mortgagor: VICTOR A. BLATNIK AND BEVERLY A. BLATNIK When Recorded Return To: AMERICAN HOME MTG SERVICING C/O NTC 2100 Alt. 19 North Palm Harbor, FL 34683 All that certain lot or piece of ground situated in Mortgage Premise: 5 PATTON ROAD TWP OF MECHANICSBURG MECHANICSBURG, PA 17055 CUMBERLAND (Borough or Town hip, if stated), Commonwealth of Pennsylvania. Being more particu rly described in said mortgage. I , do certify that the address of the above assignee is: DEUTSCHE BANK NATIONAL TRUS CO ANY, AS TRUSTEE FOR, AMERIQUEST MORTGAGE SECURITIES INC. ASSET-BACKED PASS HROUGH CERTIFICATES, SERIES 2004-FR I. UNDER THE POOLING AND SERVICING AGREE NT DATED APRIL 1, 2004, WHOSE ADDRESS IS 1761 EAST ST. ANDREW PLACE, SANTA A A, CA 92705-4934, (ASSIGNEE) *9160805* CRLAS 9160805 1/31 CJ2024219 N4 (;XW&fW?J%l ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200904516 Recorded On 2/19/2009 At 8:51:49 AM * Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 37461 User ID - KW * Mortgagor - BLATNIK, VICTOR A * Mortgagee - AMERIQUEST MORTGAGE SECURITIES INC * Customer - NATIONWIDE TITLE CLEARING * FEES STATE WRIT TAX STATE JCS/ACCESS TO JUSTICE RECORDING FEES - RECORDER OF DEEDS PARCEL CERTIFICATION FEES COUNTY ARCHIVES FEE ROD ARCHIVES FEE TOTAL PAID $0.50 $10.00 $11.50 $10.00 $2.00 $3.00 $37.00 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA ?y f twve? a: /a RECORDER O D DS • - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 1111111111111 EXHIBIT D Legal Description All that certain piece or parcel of land, situate in Mechanicsburg, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: Beginning at a point on the Northern side of Patton Road which point is also the dividing line of Lots. No. 18 and 19 on the hereinafter mentioned plan of Lots; thence along said dividing line North 10 degrees 23 minutes West 114.28 feet to a point on the lands now or formerly of Cumberland Wilson Estates, Inc., thence along said land North 79 degrees 42 minutes 30 seconds East (erroneously referred to in prior deeds as North 72 degrees 42 minutes 30 seconds East) East 65.0 feet to a point at the dividing line of lots Nos. 17 and 18 on the hereinafter mentioned plan of lots; thence along said dividing line south 10 degrees 23 minutes East 114.18 feet to a point on the Northern side of Patton Road; thence along the Northern side of Patton Road South 79 degrees 37 minutes West 65.0 feet to a point and place of beginning. Being Lot No. 18, Block C, on the Final Plan of Part of Blocks A,C,D,E,F,G, and H Wynnewood Park as recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 30. Page 116. Tax Id : 18-21-0287-020 For information purposes only - property a/k/a 5 Patton Rd. Mechanicsburg, PA 17055-2787. TITLE TO SAID PREMISES IS VESTED IN Victor A. Blatnik and Beverly A. Blatnik, his wife, W.D.C, Inc., a Pennsylvania Corporation, dated 05/01/1979 and recorded 05/07/1979 in Book K28, Page 291. EXHIBIT E AHMI$I 12/03/2010 ?104 5400 2100 356? 4328 Iliul NNI SIN 0NI IIIII IIIII IIYI III IINI IIIII III III Victor A Blatnik 5 Patton Road Mechanicsburg, PA 17055 (Rev. 9/2008) Date: December 3. 2010 N ?E ACT 91 NOTICE 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 HOMEOWNER'S 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 must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 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 rind a lawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Victor A Blatnik PROPERTY ADDRESS: 5 Patton Road Mechanicsburg, PA 17055 LOAN ACCT. NO.: 4000554339 ORIGINAL LENDER: AMERIQUEST MORTGAGE COMPANY CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2004-FRI Page two 4000554339 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S 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 foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). 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 THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one.face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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 OFA PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) Page three 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: 5 Patton Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: 4000554339 A. YOU HALVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 10/01/2010: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 12103/2010: $3,262.25 $598.18 $119.20 $1,021.32 $2,958.31 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 THE LENDER, WHICH IS $2,958.31, 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 and sent to., American Home Mortggage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 73019 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, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, 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 exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the 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 a Sheriff s Sale of the mortgaged property 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. Page four 4000554339 HOW TO CONTACT THE LENDER Name of Lender: American Home Mortgage Servicing, Inc. Address: 1525 S. Beltline Rd. Coppell, TX 75019 Telephone Number: 1-877-304-3100 Fax Number: 1-866-497-1263 Contact Person: Brandon Wirth, Michael Heath E-mail Address: brandon.wirth@ahmsi1com, michael.heath@ahmsi3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MA Y ALSO HA VE THE RIGHT.• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. ° TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ° TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE LISTED ON THE ATTACHED PAGES. American Home Mortgage Servicing, Inc. is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019, 1-877-304-3100 AGENCY NAME ADDRESS PHONE COUNTIES SER%ED Action-Housing, Inc 425 Sixth Arc; STE 950 Pittsburgh, PA 15219 80(1.7922801 41'281.210' V lcchcny, Bcavcr, Butler, FayeOC, 6-11C, ?111111'1011, Westmoreland _ Advocates for Financial Independence -Philadelphia 1628 JFK Bkd-8 Penn Ctr; STE 2210 Philadelphia, PA 19103 21S219 43,42- Philedclphlu Advocates for Financial Independence -Philadelphia 1503 Wadsworth Ave. Philadelphia, PA 19150 267 321 2696 Delaware Affordable Housing Centers of America 846 North Broad Street Ist Floor Philadelphia, PA 19130 2 15,765 1221 Philadelphia American Credit Alliance, Inc. 2 S Ddm- Arc; STE 501 Morrisville, PA 19067 215.295.7195 Bucks, Monteomery American Credit Counseling Agency 6800 Market St., Ist Floor, Upper Darby, PA 19130 888.212.6741 Philadelphia American Credit Counseling Institute 100 Porter Road Suite 108 Pottstown, PA 19464 888.212.6741 Berks,Bucks, Chester, Lehigh, Montgomery American Credit Counseling Institute 212 Berwick-Hazelton Hwy Nescopeck, PA 18635 888.468.8847 Carbon, Columbia., Lackawanna, Lehigh, Luzeme, Monroe, Skhulkill American Credit Counseling Institute 526-528 Dekalb Street Norristown, PA 19401 610.9712210 888.2 11674 1 Delaware, Montgomery American Credit Counseling Institute 229 E Chestnut Street I st Floor Coatesville, PA 19320 8881116741 Chester, Lancaster American Credit Counseling Institute American Financial Counseling Services Inc. 586 West Street Road Warminster, PA 18974 215.444.9429 888.212.6741 Bucks, Montgomery, Philadelphia American Credit Counseling Institute 21 South Church Street West Chester, PA 19380 888.212.6741 Chester American Credit Counseling Services Inc. 827 N 19th Street Allentown, PA 18104 888.468.8847 Bucks, Carbon, Lehigh, Monroe, Northhampton, Skhuylkill American Financial Counseling Services Inc. 175 Strafford Avenue Suite One Wayne, PA 19087 267.228.7903 800.490.7039 Barks, Bucks, Chester, Delaware, Montgomery. Philadelphia American Financial Counseling Services Inc. 906 Penn Avenue Wyomissing, PA 19610 267.228.7903 800.490.3039 Berks American Financial Counseling Services Inc 2880 Bergey Road Suite H Hatfield, PA 19440 267.228.7903 800.490.3039 Berks, Chester, Montgomery American Financial Counseling Services Inc. I I I Buck Road Huntingdon Valley, PA 19006 267.228.7903 Bucks, Montgomery, Philadelphia American Financial Counseling Services Inc. 259 Veterans Lane Suite 101 Doylestown, PA 18901 267.228.7903 800.490 .3039 Bucks, Montgomery American Financial Counseling Services Inc, 404 Executive Drive Langhorne, PA 19047 267.228.7903 800.490.3079 Bucks, Montgomery American Financial Counseling Services Inc. 1080 N. Delaware Avenue Suite 200 Philadelphia, PA 19125 267.228.7903 800.490.3039 Bucks, Delaware American Financial Counseling Services Inc. 3008 Hamilton East Suite 2 Stroudsburg, PA 18360 267.228.7903 Carbon, Monroe American Financial Counseling Services Inc. 405 West Germantown Pike Norristown, PA 19403 267.228.7903 800.490.3039 Montgomery, Philadelphia 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 Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3613 Armstrong Asociacion Puenorriquenos en Mucha, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 215.235.6070 267.953.4615 Delaware, Philadelphia, Chester BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 Lancaster, York BerksMont Housing and Financial Counseling, Inc. 50 East Philadelphia Ave., Boyertown, PA 19512 484.955.9494 Berks Blair County Community Action Agency 2100 6th Ave; STE 102, PO Box 1833 Altoona, PA 16602 800.238.9763 814.946.365 1 Blair Booker T. Washington Center 1720 Holland Street Erie, PA 16503 814.453.5744 Crawford, Eric, Warren Bucks County Housing Group 2324 Second St Pike; STE 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 200 West Bridge Street Morrisville, PA 19067 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 Boulevard Quakertown, PA 18951 866.866.0280 Bucks Budget Counseling Center 247 N Fifth St Reading, PA 19601 610.375.7866 Berks, Schuylkill, Chester Carroll Park Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 Chester, Delaware, Philadelphia Catholic Social Services Diocese of Scranton 516 Fig Street Scrsnton, PA 185051 570.207.2283 Lackawanna, Monroe, Wayne, Wyoming CCCS of Delaware Valley 1717 Swede Road Suite 110 Blue Bell, PA 19422 215.563.5665 Montgomery CCCS of Delaware Valley 1230 New Rodgers Road Suite Fl Bristol, PA 19007 215.563.5665 Bucks CCCS of Delaware Valley One Cherry Hitt Suite 215 Cherry Hill, PA 08002 215.563.5665 Philadelphia CCCS of Delaware Valley - Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 215.563.5665 Philadelphia, Delaware, Montgomery CCCS of Delaware Valley - Coatesville 1003 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 215.563.5665 Bucks, Chester, Delaware, Montgomery, Philadelphia Retrieved November 12, 2010 from http://www.phfa.org/forms/counseling_agencies/hemap agencies/hemap.pdf V M di ll PA 19063 280 N Procidcnce Rd Media 800.98422'_7 Dela?earc e a a CCCS of Dduaam cy - , '_11.5635665 - 800,989.22'_7 CCCS of Delaware Valley - West Chcstcr 770 E Market St; STE 190 West Chester, PA 19382 -115 563 S66S Chester, Delaware Catholic Social Services Building 7340 Jackson St 900.989.222'--7 Philadelphia, Bucks CCCS of Delaware Vallcy -Philadclphm Philadcl h ,, PA 19136 2155638665 - • CCCS of Delaware Valley hta > P 4400 Nonh Reese St Philadelphia, PA 19140 90(1.989.2227 115 563.5665 Bucks, Chester, Delaware, Montgomery, Philadelphia CCCS of Delaware Valley (Community Action 113 East Main Street 2nd Floor Norristown, PA 19401 215563.5665 Bucks, Chcstcr, De?utvare, Momg--c , Philadelphia De-lo ment Comm- CADCOM 610.585.9518 CCCS of Lehigh Valley - Quakertown 127 S. 51h St; STE 155 Quakertown, PA 18951 888,845.5669 Bucks CCCS of Lehigh Valley Division of Money 3671 Crescent Court E Whitehall, PA 18052 610.821 4011 Carbon, Lancaster, Lehigh, Schuylkill, Northampton, Barks, Bucks Manaecmcni International 800.837.9815 CCCS of Northeastern PA 129 Rolling Ridge Drive State College, PA 16901 814.2383668 800.92.9537 Blair, Centre, Clearfield, Clinton, Huntingdon, Juniata, Mifflin CCCS o(Northcastem PA 201 Basin Street Suite 6 Williamsport, PA 17701 570.323.6627 800.922.9537 Centre, Clinton, Lycoming, Northumberland, Union 900.922.9537 Bradford, Carbon, Luzeme, Clinton, Columbia,Lackawanna, Lycoming, CCCS of Northeastern PA - Pittston 401 Laurel St Pittston, PA 18640 570.602.2227 Mifflin Monroe Montour Northumberland Pike Sullivan Tio a Union CCCS of Northcastem PA -Stroudsburg 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.9537 570.602.2227 Bradford. Carbon, Monroe, Pike, Wayne The Franklin Center 524 Franklin Avenue 511 2227 888 Cameron CCCS of Westen PA Aliquippa, PA 15001 . . CCCS of Westen PA 41 E. Chestnut Street Meadville, PA 15301 888.511.2227 Washington CCCS of Westen PA 312 Chestnut Street Suite 227 Meadville, PA 16335 988.511.2227 Lawrence Royal Remax Plaza 917A Logan Blvd; Royal Remax Plaza 800.511.2227 Armstrong, Bedford, Blair, Cambria, Centre, Clearfield, Huntingdon, Juniata, CCCS o(Westcn PA -Altoona Altoona PA 16602 570.602.2227 Mifflin Union f Western PA -Butler CCCS Butler County Career Link Pullman Commerce Center 888.511.2227 Butler, Clarion, Jefferson, Mercer, Venango o 112 Hollywood Dr Butler PA 16001 CCCS of Westen PA - Erie 4402 Peach St; Lower Level Eric, PA 16509 888.5 11 2227.108 Warren I N Gate Square; N2 Garden Center Drive 511 2227 888 Westmoreland, Fayette, Greene, Somerset, Washington Indiana CCCS of Weser, PA -Greensburg Greensburg, PA 15601 . . , CCCS of Wcsten PA 2000 Linglestown Rd; Harrisburg, PA 17110 888.511.2227 Dauphin,Perry, York, Snyder, Adams, Cumberland, Franklin 2403 Sidney St; STE 400 River Park Commons 2227 998 511 Allegheny CCCS of Western PA -Pittsburgh Pittsburgh, PA 15203 . . CCCS of Westen PA -York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227 Frank] in,Lancaster, York, Fulton Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 Crawford, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 215.848.7222 Philadelphia Central Pennsylvania Community Action, Inc. PO Box 792; 207 East Cherry Street, Clearfield, PA 16830 814.765.1551 Centre, Clearfield Chester Community Improvement Project. 412 Ave of the States, Chester, PA 19013 610.876.8663 Chester, Delaware, Montgomery, Philadelphia Comm. Om. Econ opportunity of Luzeme County 163 Amber Lane, Wilkes-Barre, PA 18702 570.826.0510 Carbon Community Action Commission - Capital Region 1514 Derry St Harrisburg, PA 17104 717.232.9757 Cumberland, Dauphin, Perry, Snyder Community Action Committee of the Lehigh Valley 1337 E Fifth St Bethlehem, PA 18015 610.691.5620 Berks, Carbon, Lehigh, Monroe, Northampton Community Action Southwest - Washington County 150 W Beau St; STE 304 Washington, PA 15301 724.225.9550 Washington Community Action Southwest -Waynesburg/Greene 58 E Greene St Waynesburg, PA 15370 724.8512893 Allegheny, Fayette, Greene, Washington, Westmoreland, Wayne CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 Philadelphia Council of Spanish Speaking Organization(CONCILIO) 705-09 N Fmnklin St Philadelphia, PA 19123 215.627.3 100 Philadelphia Credit Counseling Center 832 2nd St Pike Richboro, PA 18954 215.348.8003 Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 60 North Main Street Lower Level Doylestown, PA 18901 215/348-8003 Bucks Credit Counseling Center 8150 Route 13, Levittown, PA, 19057 215.348.8003 Bucks Deliverance Community Development Corp, Inc 2001 W Lehigh Ave. Philadelphia, PA 19145 215.226.7600 Philadelphia Diversified Community Services Dixwn House 1920 S. 20th SL Philadelphia, PA 19145 215.336.3511 Bucks Esperanza 4261 North 5th St Philadelphia, PA 19140 215.324.0746 Philadelphia Fair Housing Partnership of Greater Pittsburg, Inc. 2840 Liberty Ave.; STE 205, Pittsburg, PA 15222 412.391.2535 Allegheny 800.427.INF0 Fa Co. Community Action A yeae Agency, Inc. 140 N Benson Blvd Uniontown, PA 15401 724.437.6050 Somerset FOB CDC 1201 West Obwy Avenue Philadelphia, PA 19141 215349.8755 Bucb, Chester, Delaware, Philadelphia, Garfield Jubilee Association 5138 Penn Ave Pinaburo, PA 15224 412-665-5200 Allegheny Germantown Settlement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 Bucks, Chester, Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia PA 19124 - 215.535.3885 Philadelphia Retrieved November 12, 2010 from h"p://www.phfa.org/forms/counseling_agencies/hemap_agencies/heTnap.pdf Grea?cr Eric 1:11 nnI -ul, Commniec IX Wes, 9th St. Eric, PA 16501 X 14.459.4581 Cra,,food, A'enango, Al%arrcn Greater Philadelphia 4,, ii, So- ul Scrviec Center 4943 North 5th St. Philadelphia, PA 19120 215 456.1662 Philadelphia HA( L 16' N. Allegheny Ave 2nd Floor, Philadelphia, PA 19140 21 5426-80'_5 Philadelphia hispanic Alliance for Rmun.mn5 Ad, ncceunt 2740 North Front Street Philadelphia, PA 19133 211667.8932 Philadelphia Housing Alliance cf York 35 S Duke St York PA 17401 717854.1541 York Housing Association of Dclaware Valley 658 North Watts Street Philadelphia, PA 19123 215. 978.0224 York Housing Association of Delaware Valley (HADV) Housin Association Information Program IHA.I PI 658 North Watts Street Philadelphia, PA 19123 215 979 0224 Fork Housing Associatioc of Dclaware Valley 1500 Walnut St. STE 601 Philadelphia 19140 215.545.6010 Philadelphia Housing Authority of Butler County 114 Woody Dr Butler, PA 16001 724.287.6797 Butler Housing Opportunities of Beaver County 282 East End Ave Unit 1 Beaver, PA 15009 724.728.7511 Heaver, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 Chester, Delaware, Montgomery Indiana Co. Community Action Program 827 Water SL, Box 187, Indiana, PA 15219 412.281.9773 724.465.2657 Armstrong, Cambria, Clearfield, Jefferson Intercommunity Action, Inc. 6012 Ridge Av. Philadelphia, PA 19128 215.487.0914 Philadelphia Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215.386.1298 Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 Philadelphia Lawrence County Social Services, Inc. PO Box 189, 241 W Grant St, New Castle, PA 16101 724.658.7664 724.658.7258 Lawrence Liberty Resources, Inc. 714 Market St; STE 100 Philadelphia, PA 19106 215.634.2000 Philadelphia Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 Adams, Cumberland, Franklin, Fulton, Perry Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 Chester, Delaware, Montgomery Mon Valley Unemployment Committee 338 E. Ninth Ave., 2nd Floor, Homestead PA, 15120 412.462.9962 Allegheny, Westmoreland Mi. Airy, USA 6703 Germantown Ave. STE 200 Philadelphia, PA 19119 215.844.6021 Philadelphia Nazareth Housing Services (HE and C) 301 Bellevue Road Pittsburgh, PA 15229 412.931.6996 Allegheny Neighborhood Housing Services of Reading 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 Berks Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 18509 570.558.2490 Lackawanna,Luzeme, Wayne, Wyoming NeighborWorks of Western PA 710 Fifth Ave; STE 1000 Pittsburgh, PA 15219 412.281.9773 Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, Westmoreland New Kensington Community Development 2515 Frankford Ave Philadelphia, PA 19125 215.427.0350 Philadelphia NID-Housing Counseling-Philadelphia 3212-16 W. Cheltenham Ave Philadelphia, PA 19150 267.385.7624 Philadelphia Norris Square Civic Association 149 West Susquehanna Avenue Philadelphia, PA 19122 215.426.8723 Philadelphia Northern Tier Community Action Corp. 135 West 4th Street PO Box 389 Emporium, PA 15834 814.486; 1161 Cameron, Elk, McKean, Potter Northwest Counseling Service, Inc. 5001 North Broad Street Philadelphia, PA 19141 215.324.7500 Bucks, Chester, Delawam,Montgomery, Philadelphia PA Interfaith Community Programs Inc.Nonhcast 22 Willow Road Hamburg, PA 19526 610.562.2288 Berks, Lebanon, Lehigh, Schuylkill Pennsylvania Housing Finance Agency 2275 Swallow Hill Rd, Bldg 200, Pittsburg, PA 15220 412.429.2842 Allegheny PA Interfaith Community Programs, Inc. 40 E High St Gettysburg, PA 17325 717.334.1518 Adams, Franklin, Cumberland, York PHFA 211 N. Front St Harrisburg, PA 17110 717.780.3940 800.342.2397 Cumberland, Dauphin Philadelphia Council for Community Advancement PCCA 16171FK Blvd; STE 1550 Philadelphia, PA 19103 215.567.7803 800.930.4663 Chester, Dclawarc,Montgomery, Philadelphia Philadelphia Senior Center 509 South Broad Street Philadelphia, PA 19147 215.546.5879 Philadelphia RHD-American Angel Housing Counseling 102 Pickering Way Suite 200 Exton, PA 19341 610.768.2811 Chester RHD-American Angel Housing Counseling 1060 First Avenue Suite 400 King of Prussia, PA 19406 610.768.2811 Montgomery RHD-American Angel Housing Counseling 600 West Germantown Pike Suite 400 Plymouth Meeting, PA 19462 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Bala Plaza Suite 300 Bala Cynwyd, PA 19004 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Penn Center Plaza Suite 200 Philadelphia, PA 19102 610.768.2811 Philadelphia RHD-American Angel Housing Counseling 150 North Radnor Chester Road Suite F200 Radnor PA 19087 610.768.2811 Delaware Schuylkill Commtnity Action 225 N Centre St Pottsville, PA 17901 570.622.1995 Bert, Carbon, Lebanon, Lehigh, Utzeme, Northumberland, Sehuytldll Sheia&W Valley Urban League 601 hadum Ave Family PA 19121 724.9815310 Crawford, Lawrence, Mercer South Philadelphia HOMES, Inc. (SPHINC) 1444 Point Braze Ave Philadelphia, PA 19146 215.334.4430 Philadelphia Southwest Community Development Corporation 6328 Paschall Ave Philadelphia, PA 19142 215.729.0800 Philadelphia Retrieved November 12, 2010 from http://www.phfa.orgiforms/counseling_agencies/hemap_agencies/hemap.pdf - 08 8'5.3x73 - Somhwestcm 1'A Legal Senior-s 45 F 41am St STE 200 Unionmwn, PA 15401 714.439.1591 1 -Hc 88S_855.3S73 Southwcsicm PA Legal Sc-S-- 63 S Washington SI Waynesburg, PA 15370 ,'g6_7.1127 Greene Southwcsicm PA Legal Srn4as -Somerset Cn,uvy 2'S Nbsi Kimberly At enuc Sui¢ 101 Snmcrsci. 1'A 155(11 814.443 4615 Samos', Southwestern PA Legal Services Inc- 10 W Cherry Ac. Washington, PA 15301 724 225.6170 0. asmrigion St, Martin Center. Inc. 1701 Parade St Eric, PA 16503 914,452 6113 Crawford. Eric, V Tango, Warren Step, Inc-(a_ka, Lycoming-Clinion Counties 1138 Lincoln St P.O.Box 3568 Williamsport. PA 17701 570326.0587 Centre. Clinton, Lvcoming Commislon for Community Action Tableland S-ices Inc: Community Action Partnership PA 15501 535 E Main St Somerset 800.452.0148 Bedford, Cambna, Fayette, Somerset, Westmoreland for Somerset Cm , 814,445.9628 TABOR Community Services, Inc. 308 E King St Lancaster, PA 17608 800.788.5062 717 17,397 5181 Chester, Lancaster, Lebanon - The Partnership CDC 4020 Market St; STE 100 Philadelphia, PA 19104 215.662.1612 Philadelphia The Pittsburgh Community Reinvestment Group 1901 Centre Avenue; STE 200 Pittsburgh, PA 18219 412391.6732 Allegheny 570.928.9668 The Trehab Center of Northeastern PA German Street, P.O. Box 389, Dushore, PA 18614 800.982.4045 Sullivan 800.982.4045 TREHAB Center, Inc. 10 Public Ave PO Box 366 Montrose, PA 18801 570.278.3338 Susquehanna, Wyoming 800.9814045 TREHAB Center, Inc. - Tioga County 52 Plaza To Wellsbom, PA 16901 570.724.5252 Tioga United Communities Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215,467.8700 Philadelphia United Neighborhood Centers of Northeastem PA 425 Alder Street Scranton, PA 18505 570.346.0759 Lackawanna, Luzeme, Wayne, Wyoming Universal Companies - Universal Community Homes 800 S I Sth St Philadelphia, PA 19146 215.732.6518 Philadelphia Urban League of Philadelphia 121 S Broad St; 91h FL Philadelphia, PA 19107 215.985.3220 Bucks, Chester, Delaware, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412227.4802 Allegheny 800.838.9890 Voices for Independence 1107 Payne Ave Eric, PA 16503 R 14.874.0064 Eric Warren-Forest Counties I Economic Opportunity 1209 Pennsylvania Ave West, P.O.Box 547, Warren, PA 814 7261400 Forest, Warren Council EOC 16365 West Oak Lane Community Development Corporation 7300 Ogontz Avenue Philadelphia, PA 19138 215.224.0880 I Philadelphia (CDC) Retrieved November 12, 2010 from hitp://www.phfa.org/forms/counseling_agencies/heinap_agencies/hemap.pdf A,H M I 12/03/2010 (IIIh0I?IIaI0 ?IIiIIIIN111HI0 NIII?IINIII?IIII Beverly A Blatnik 5 Patton Road Mechanicsburg, PA 17055 (Rev. 9/2008) Date: December 3, 2010 THOME ACTM FORECLOSURE 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 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 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 NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Beverly A Blatnik PROPERTY ADDRESS: 5 Patton Road Mechanicsburg, PA 17055 LOAN ACCT. NO.: 4000554339 ORIGINAL LENDER: AMERIQUEST MORTGAGE COMPANY CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2004-FRI Page two HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM 4000554339 YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PA YMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S 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 foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). 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 THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one, face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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 INFOR4fA TIONPURPOSES 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:) Page three 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. 5 Patton Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: 4000554339 A. YOU HAVE NOT .VADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 10/01/2010: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 1210312010: 53,262.25 S598.18 S119.20 S1,021.32 $2,958.31 HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYSfrom the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 52,958.31, 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 and sent to: American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019 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, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, 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 exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYperiod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the 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 a Sheriffs Sale of the mortgaged property 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. Page four 4000554339 HOW TO CONTACT THE LENDER Name of Lender: American Home Mortgage Servicing, Inc. Address: 1525 S. Beltline Rd. Coppell, TX 75019 Telephone Number: 1-877-304-3100 Fax Number: 1-866-497-1263 Contact Person: Brandon Wirth, Michael Heath E-r ail .Address: brandon.wir1hCaahmsi3.com, michael.heath@ahmsi3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE? DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ° TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE LISTED ON THE ATTACHED PAGES. American Home Mortgage Servicing, Inc. is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019, 1-877-304-3100 AGENCY NA11E ADDRESS PHONE COUNTIES SERVED Action Housing, Inc 425 S.xilt Avc; STE 950 POISbmgh, PA 15219 - 800-792.?801 412 2RI102 Allegheny, Beaver, BuOCr, Payette Greene. R us hingmn, AYCSnnoreland Advocates for Financial Independence -Phdadelphi;e 1628 JFK 131cd-8 Penn Ctr, STE 2210 Phlladetphia, CA 19103 215' 18.4342_ I'll lad,lPh'a Ad-earls for Financial Independence -Philadelphia 1503 VA'adsworth Ave Philadelphia, PA 19150 267.32_12696 Delaware Affordable Housing Centers of America 846 North Broad Street 1st Floor Philadelphia, PA 19130 215.765.1221 Phdadelphit American Credit Alliance, Inc. 2 S Del a, Ave; STE 501 Mornscillc, PA 19067 2_15.2957195 Huck,, Montgonterv American Credit Counseling Agency 6800 Market St., Isi Floor, Upper Darby, PA 19130 888 21.6741 Philadelphia American Credit Counseling Institute 100 Porter Road Suite 108 Pottstown, PA 19464 888.212.6741 Berks,Bucks, Chester, Lehigh, Montgomery American Credit Counseling Institute 212 Benvick-Hazelton Hwy Nescopeck, PA 18635 888.468.8847 Carbon, Columbia, Lackawanna, Lehigh, Luzcme, Monroe, Skhulk,il American Credit Counseling Institute 526-528 Dekalb Street Norristown, PA 19401 610.971.2210 888.2 12.6741 Delaware, Montgomery American Credit Counseling Institute 229 E Chestnut Street Ist Floor Coatesville, PA 19320 888.212.6741 Chester, Lancaster American Credit Counseling Institute American Financial Counseling Services Inc. 586 West Street Road Warminster, PA 18974 215 444.9429 8881126741 Bucks, Montgomery, Philadelphia American Credit Counseling Institute 21 South Church Street West Chester, PA 19380 888.212.6741 Chester American Credit Counseling Services Inc. 827 N 19th Street Allentown, PA 18104 888.468.8847 Bucks, Carbon, Lehigh, Monroe, Northhampion, Skhuylkill American Financial Counseling Services Inc. 175 Stratford Avenue Suite One Wayne, PA 19087 267.228.7903 800.490.3039 Berks, Bucks, Chester, Delaware, Montgomery, Philadelphia American Financial Counseling Services Inc. 906 Penn Avenue Wyomissing, PA. 19610 267.228.7903 800490.3039 Berks _- American Financial Counseling Services Inc. 2880 Bergey Road Suite H Hatfield, PA 19440 267.228.7903 800.490.3039 Berks, Chester, Montgomery American Financial Counseling Services Inc. I I I Buck Road Huntingdon Valley, PA 19006 267.228.7903 Bucks, Montgomery, Philadelphia American Financial Counseling Services Inc. 259 Veterans Lane Suite 101 Doylestown, PA 18901 267.228.7903 800.490.3039 Bucks, Montgomery American Financial Counseling Services Inc. 404 Executive Drive Langhorne, PA 19047 267.228.7903 800.490.3039 Bucks, Montgomery American Financial Counseling Services Inc. 1080 N. Delaware Avenue Suite 200 Philadelphia, PA 19125 267.228.7903 800.490.3039 Bucks, Delaware - American Financial Counseling Services Inc. 3008 Hamilton East Suite 2 Stroudsburg, PA 18360 267.228.7903 Carbon, Monroe American Financial Counseling Services Inc. 405 West Germantown Pike Norristown. PA 19403 267.228.7903 800.490.3039 Montgomery, Philadelphia 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 Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3613 Armstrong Asociacion Puertorriquenos en Marcha, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 215.235.6070 267.953.4615 Delaware, Philadelphia, Chester BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 Lancaster, York BerksMont Housing and Financial Counseling, Inc. 50 East Philadelphia Ave., Boyertown, PA 19512 484.955.9494 Berks Blair County Community Action Agency 2100 6th Ave; STE 102, PO Box 1833 Altoona, PA 16602 800.238.9763 814.9463651 Blair Booker T. Washington Center 1720 Holland Street Erie, PA 16503 814.453.5744 Crawford, Erie, Warren Bucks County Housing Group 2324 Second St Pike; STE 17 Wrightstown, PA 18940 866.866.0280 Bucks Bucks County Housing Group 349 Durham Road Penudel, PA 19047 866.866.0280 Bucks Bucks County Housing Group 200 West Bridge Street Morrisville, PA 19067 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 Boulevard Quakertown, PA 18951 866.866.0280 Bucks Budget Counseling Center 247 N Fifth St Reading, PA 19601 610.375.7866 Berks, Schuylkill, Chester Carroll Park Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 Chester, Delaware, Philadelphia Catholic Social Services Diocese of Scranton 516 Fig Street Scranton, PA 185051 570.207.2283 Lackawanna, Monroe, Wayne, Wyoming CCCS of Delaware Valley 1717 Swede Road Suite 110 Blue Bell, PA 19422 215.563.5665 Montgomery CCCS of Delaware Valley 1230 New Rodgers, Road Suite Fl Bristol. PA 19007 215.5633665 Bucks CCCS of Delaware Valley One Cherry Hill Suite 215 Cherry Hill, PA 08002 215.563.5665 Philadelphia CCCS of Delaware Valley - Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 215.563.5665 Philadelphia, Delaware, Montgomery CCCS of Delaware Valley - Coatesville 1003 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 215.563.5665 Bucks, Chester, Delaware, Montgomery, Philadelphia Retrieved November 12, 2010 from http://www.phfa.org/fonns/counseling_agenciesfhemap_agencies/hemap.pdf Greater Eric Coinnum.iv Anion Commiuec 18 P'csl 9th St. Eric, PA 16501 814 459 45SI Cr.,,, turd. Yemmgo, yt'arrcn Greeter Ploi,dclph,a Asian Soria! Ser. ice Center 4943 North 511, St_ Philadelphia, PA 19120 215 4561662 Phdadclphla RACE 167 AV. Allegheny Ave 2nd Floor, Philadelphia, PA 19140 215 426.8025 Phdadclphla Hispania Alliance t"n aul? Ad, ecnt,:n 2740 North Frmn Street Philadelphia, PA 19173 215.667_8912 Philadelphia Housing Alliance of York 35 S Duke St York PA 17401 717.854.1541 York Housine Assocation of Delaware Valley 658 North Watts Street Philadelphia, PA 19123 215. 978.0224 York Housing Association of Delaware Valley (HAD',) Housine Association Information Program HAIP) 658 North Watts Street Philadelphia, PA 19123 215.9780224 York -- Housing Association of Delaware Palle) 1500 \4'alaut St. STE 601 Philadelphia 19140 215.545.6010 Philadelphia Housing Authority of Butler County 114 Woody Dr Butler, PA 16001 724.287.6797 Butler Housing Opportunities of Bearer County 282 East End Ave Unit I Beaver, PA 15009 724.728.7511 Bcaver, Lawrencc Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 Chester, Delaware, Montgomery Indiana Co. Community Action Program 827 Water St., Box 187, Indiana, PA 15219 412.281.9773 724.465.2657 Armstrong, Cambria, Clearfield, Jefferson Intercommunity Action, Inc. 6012 Ridge Av. Philadelphia, PA 19128 215.487.0914 Philadelphia Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215.386.1298 Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 Philadelphia Lawrence County Social Services, Inc. PO Box 189, 241 W Grant St, New Castle, PA 16101 724.658.7664 724.658.7258 Lawrence Liberty Resources, Inc. 714 Market St; STE 100 Philadelphia, PA 19106 215.634.2000 Philadelphia Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717,762.3285 Adams, Cumberland, Franklin, Fulton, Perry_ Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 Chester, Delaware, Montgomery Mon Valley Unemployment Committee 338 E. Ninth Ave., 2nd Floor, Homestead PA, 15120 412.462.9962 Allegheny, Westmoreland Mi. Airy, USA 6703 Germantown Ave. STE 200 Philadelphia, PA 19119 215.844.6021 Philadelphia Nazareth Housing Services (HE and C) 301 Bellevue Road Pittsburgh, PA 15229 412.931.6996 Allegheny Neighborhood Housing Services of Reading 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 Berks Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 18509 570.558.2490 Lackawanna,Luzeme, Wayne, Wyoming NeighborWorks of Western PA 710 Fifth Ave; STE 1000 Pittsburgh, PA 15219 412.281.9773 Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, Westmoreland New Kensington Community Development 2515 Frankford Ave Philadelphia, PA 19125 215.427.0350 Philadelphia NID-Housing Counseling-Philadelphia 3212-16 W. Cheltenham Ave Philadelphia, PA 19150 267.385.7624 Philadelphia Norris Square Civic Association 149 West Susquehanna Avenue Philadelphia, PA 19122 215.426.8723 Philadelphia Northern Tier Community Action Corp. 135 West 4th Street PO Box 389 Emporium, PA 15834 814.486.1161 Cameron, Elk, McKean, Potter Northwest Counseling Service, Inc. 5001 North Broad Street Philadelphia, PA 19141 215324.7500 Bucks, Chester, Delawam,Montgomery, Philadelphia PA Interfaith Community Programs Ine.Northeast 22 Willow Road Hamburg, PA 19526 610.562.2288 Barks, Lebanon, Lehigh, Schuylkill Pennsylvania Housing Finance Agency 2275 Swallow Hill Rd, Bldg 200, Pittsburg, PA 15220 412.429.2842 Allegheny PA Interfaith Community Programs, Inc. 40 E High St Gettysburg, PA 17325 717.334.1518 Adams, Franklin, Cumberland, York PHFA 211 N. Front St Harrisburg, PA 17110 717.780.3940 800,342.2397 Cumberland, Dauphin Philadelphia Council for Community Advancement PCCA 1617 JFK Blvd; STE 1550 Philadelphia, PA 19103 215.567.7803 800.930.4663 Chester, Delaware,Montgomery, Philadelphia Philadelphia Senior Center 509 South Broad Street Philadelphia, PA 19147 215.546.5879 Philadelphia RHD-American Angel Housing Counseling 102 Pickering Way Suite 200 Exton, PA 19341 610.768.2811 Chester RHD-American Angel Housing Counseling 1060 First Avenue Suite 400 King of Prussia, PA 19406 610.768.2811 Montgomery RHD-American Angel Housing Counseling 600 West Germantown Pike Suite 400 Plymouth Meeting, PA 19462 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Bala Plaza Suite 300 Bala Cynwyd, PA 19004 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Penn Center Plaza Suite 200 Philadelphia, PA 19102 610.768.2811 Philadelphia RHD-American Angel Housing Counseling 150 North Radnor Chester Road Suite F200 PA 19087 Radnor 610.768.2811 Delaware Schuylkill Community Action 225 N Centre St Pottsville, PA 17901 570.622.1995 Berks, Carbon, Lebanon, Lehigh, Luzeme, Northumberland, SchuyOdll Shenango Valley Urban League 601 Indiana Ave Farrell, PA 19121 724.981.5310 Crawford, Lawrence, Mercer South Philadelphia HOMES, Inc. (SPHINC) 1444 Point Breeze Ave Philadelphia. PA 19146 215.334.4430 Philadelphia Southwest Community Development Corporation 6328 Paschall Ave Philadelphia, PA 19142 215.729.0800 Philadelphia Retrieved November 12, 2010 from http://www.phfa.org/fonns/counscling_agenciesfhemap_Agencies/hemap.pdf C( CS o(Dela"ara Valley - SJeda 280 N Providence Rd Media, PA 19063 800 989 2227 215563.5665 Dclawnre CCCS o(Dcla-ve Valley VA'es, Cnester 770 L Market Sr, STE 190 West Chester, PA 19382 800.989.2227 SK9835665 115 56 Chester, Delu-nc CCCS of Ueln,vure Valley -I'htlaziclphin Catholic Social Services Building 7340 Jackson St Phidadclphia, PA 19136 800 0892227 '_15.563.5665 Philadelphia, Bucks CCCS of Dclawam Valle} -Philadelphia 4400 North Reese St Philadelphia, PA 19140 800.989.3227 215.563.5665 Bucks, Chester, Delawaw, Mtontgomcry, Philadelphia CCCS of Delaware Valley (Cominuony Action Devclo mcut Comm- CADCOM 113 East Main Street 2nd Floor Norristown, PA 19401 215.5(x35665 Bucks, Chester, Delaware, Montgomcp, Philadelphia CCCS of Lchigh Valley - Quakertown 127 S. 5th St; STE 155 Quakertown, PA 18951 610585.9518 88A_845.5669 Bucks CCCS of Lehigh Walley D -,cua of h1o.cy Management International 3671 Crescent Court E Whitehall, PA I8052 610.821.401 I 800.837.9815 Carbon, Lancaster, Lehigh, Schuylkill, Northampton, Barks, Bucks CCCS o(Nonhcastem PA 129 Rolling Ridge Drive State College, PA 16801 814.238.3668 800.922.9537 Blair, Centre, Clearfield, Clinton, Huntingdon, Juniata, Mifflin CCCS of Northeastern PA 201 Basin Street Suite 6 Williamsport, PA 17701 570.323.6627 800.922.9537 Centre, Clinton, Lycoming, Northumberland, Union CCCS of Northeastern PA - Pittston 401 Laurel St Pittston. PA 18640 800.922.9537 570.602.2227 Bradford, Carbon, Luzemc, Clinton, Columbia,Lackawanna, Lycoming, Mifflin Monroe Montour Northumberland Pdoe Sullivan Tio a Union CCCS of Northeastern PA - Stroudsburg 411 Main St; STE 104 Stroudsburg, PA 18360 801.922.9537 570.602.2227 Bradford, Carbon, Monroe, Pike, Wayne CCCS of Westcn PA The Franklin Center 524 Franklin Avenue Ali ui a PA 15001 888.511.2227 Cameron CCCS of Westcn PA 41 E. Chestnut Street Meadville, PA 15301 888.511.2227 Washington CCCS of NIesten PA 312 Chestnut Street Suite 227 Meadville, PA 16335 888.5112227 Lawrence CCCS of Westcn PA - Ahoona Royal Remax Plaza 917A Logan Blvd; Royal Remax Plaza Altoona PA 16602 800.511.2227 570.602.2227 Armstrong, Bedford, Blair, Cambria, Centre, Clearfield, Huntingdon, Juniata, Mittlin Union CCCS of Westcn PA -Butler Butler County Career Link Pullman Commerce Center 112 Hollywood Dr; Butler PA 16001 888.511.2227 Butler, Clarion, Jefferson, Mercer, Vcnango CCCS of Westen PA - Erie 4402 Peach St; Lower Level Eric, PA 16509 888.511.2227.108 Warren CCCS o(Wcstcn PA -Greensburg 1 N Gate Square; N2 Garden Center Drive Greensburg, PA 15601 888.511.2227 Indiana, Westmoreland, Fayette, Greene, Somerset, Washington CCCS of Westcn PA 2000 Linglestown Rd; Harrisburg, PA 17110 888.511.2227 Dauphin,Perry, York, Snyder, Adams, Cumberland, Franklin CCCS of Westen PA -Pittsburgh 2403 Sidney St; STE 400 River Park Commons Pittsburgh, PA 15203 888.51 L2227 Allegheny CCCS of Westen PA -York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227 Franklin,Lancaster, York, Fulton Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 Crawford, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 215.848.7222 Philadelphia Central Pennsylvania Community Action, Inc. PO Box 792; 207 East Cherry Street, Clearfield, PA 16830 814.765.1551 Centre, Clearfield Chester Community Improvement Project. 412 Ave of the States, Chester, PA 19013 610.876.8663 Chester, Delaware, Montgomery, Philadelphia Comm. Om . Econ opportunity of Luzeme County 163 Amber Lane, Wilkes-Barre, PA 18702 570.826.0510 Carbon Community Action Commission - Capital Region 1514 Derry St Harrisburg, PA 17104 717.232.9757 Cumberland, Dauphin, Perry, Snyder Community Action Committee of the Lehigh Valley 1337 E Fifth St Bethlehem, PA 18015 610.691.5620 Berks, Carbon, Lehigh, Monroe, Northampton Community Action Southwest - Washington County 150 W Beau St; STE 304 Washington, PA 15301 724.225.9550 Washington Community Action Southwest -Waynesburg/Greene 58 E Greene St Waynesburg, PA 15370 724.852.2893 Allegheny, Fayette, Greene, Washington, Westmoreland, Wayne CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 Philadelphia Council of Spanish Speaking Organization(CONCILIO) 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 Philadelphia Credit Counseling Center 832 2nd St Pike Richbore, PA 18954 215.348.8003 Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 60 North Main Street Lower Level Doylestown, PA 18901 215/348-8003 Bucks Credit Counseling Center 8150 Route 13, Levittown, PA, 19057 215.348.8003 Bucks Deliverance Community Development Corp, Inc 2001 W Lehigh Ave. Philadelphia, PA 19145 215.226.7600 Philadelphia Diversified Community Services Dixson House 1920 S. 20th St. Philadelphia, PA 19145 215.336.3511 Bucks Esperanza 4261 North Sth St Philadelphia, PA 19140 215.324.0746 Philadelphia Fair Housing Partnership of Greater Pittsburg, Inc. 2840 Liberty Ave.; STE 205, Pittsburg, PA 15222 412.391.2535 Allegheny Fayette Co. Community Action Agency, Inc. 140 N Beeson Blvd Uniontown, PA 15401 800.427.INFO 724.437.6050 Somerset FOB CDC 1201 West Olney Avenue Philadelphia, PA 19141 215.549.8755 Bucks, heater, Delaware, Philadelphia, Garfield Jubilee Association 5138 Penn Ave Pittsburgh, PA 15224 412-665-5200 Allegheny Germantown Seulement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 Bucks, Chester, Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA. 19124 215.535.3885 Philadelphia Retrieved November 12, 2010 from http://www.phfa.org/forms/counseling_agenciesthemap_agencies/hemap.pdf H?,; :<55 3:a7 So;nhwesiem I':A Legal Ser. ices 15 F V am St S I E'_00 Ll iu n1utsa, PA 15401 734.439.li9I Faycne 888.855.3873 1'ul scstcm PA Lcga1 S" ices 63 S Wii,[ nLt.. St Waynesburg, PA 15370 724617 1127 Clrconc Snothwc9em PA I -I Sew icas Somerset Couutc 218 W- Kimberly Avenue Sdne 101 Somerset, PA 0501 814443.461 Somerset Southwestern PA Lcgzl Scr-- Inc- 10 N' Cherry A, Washington, PA 15301 724,225 6170 Av"Inugwn St. Martin Ccntcr, inc 1101 Parade St Eric, PA 16503 81445'_.6113 Crawford, Eric, Venango, Warren Step, Inc (a.ka Lycommg-Chn Comuic 1118 Lincoln St P-O-Box 3568'A hamspon, PA 17701 570 326 05X7 Centre, Clinton, Lycomntg Commission for Community Action - Tableland Services Inc Community Action Panncrship PA 15501 835 E Main St Somerset 800.452.0148 Bedford, Cambria, Fayette, Somerset, \V estmarcland for Somerset Cray) , 814445.9628 _ 7RR-5062 R00 7 ABOR Comnronny Sen? -, Inc. 30S E King St Lancaster, PA 17608 . 717 397 5182 Chester. Lancaster, Lebanon - The Partnership CDC 4020 Market St; STE 100 Philadelphia, PA 19104 2 15.662 1612 Philadelphia The Pittsburgh Community Rcm%estnaent Group 1901 Centre Avenue; STE 200 Pittsburgh, PA 15219 412.391.6732 Allegheny 570.928.9668 The Trehab Center of Northeastern PA German Street, P.O. Box 389, Dushore, PA 18614 800.982.4045 Sullivan 800.982.4045 TREHAB Center, Inc. 10 Public Ave PO Box 366 Montrose, PA 18801 570.2783338 Susquehanna, Wyoming 800.982 4045 TREHAB Center, Inc. - Tiogn County 52 Plaza L. Wcllsboro, PA 16901 570.724.5252 Tioga United Communities Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215467.8700 Philadelphia United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570.346.0759 Lackawanna, Luzeme, Wayne, Wyoming Universal Companies - Universal Community Homes 800 S 15th St Philadelphia, PA 19146 215.7316518 Philadelphia Urban League of Philadelphia 121 S Broad St; 9th FL Philadelphia, PA 19107 215.985.3220 Bucks, Chester, Delaware, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4802 Allegheny 800.838.9890 Voices for Independence 1107 Payne Ave Enc. PA 16503 814.874.0064 Eric Warren-Forest Counties I Economic Opportunity 1209 Pennsylvania Ave Nest, P.OBox 547, Warren, PA 814 726 2400 Forest, Warren Council EOC 16365 West Oak Lane Community Development Corporation 7300 Ogontz Avenue Philadelphia, PA 19138 215.224.0880 Philadelphia CDC Retrieved November 12, 2010 from http:/hvww.phfa.org/fonns/counseling_agencies/hemap_agencies/hemap.pdf SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff !fi? u}, .. r 1f .? Jody S Smith Chief Deputy to? P N 2: r! Richard W Stewart Solicitor -_c EE ?_ir?, b? I-U?it; F? C YI Deutsche Bank National Trust Company Case Number vs. Victor A. Blatnik (et al.) 2011-2408 SHERIFF'S RETURN OF SERVICE 02/28/2011 03:47 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on February 28, 2011 at 1547 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Victor A. Blatnik, by making known unto himself personally, at 5 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. L EL BARRI K, I DCDOT- 02/28/2011 03:47 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on February 28, 2011 at 1547 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Beverly A. Blatnik, by making known unto herself personally, at 5 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same tim handing to her personally the said true and correct copy of the same. C EL BAR CK, EPUTY SHERIFF COST: $53.00 March 01, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF A PARKER McOAY P.A. By: Stuart I. Seiden, Esquire Attorney ID# 200162 Three Greentree Centre 7001 Lincoln Drive West, P.O. Box 974 Marlton, NJ 08053-0974 (856) 396-8900 Attorney for Plaintiff File #:14971-0230 I` Ii;` r :" RC17HCNOTARY 13 AN 10: 57 BLAND COUNTY PENNSYLVANIA Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FR1 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, PA 17055 Defendants. COURT OF COMMON PLEAS s CUMBERLAND COUNTY FEBRUARY TERM, 2011 Docket No.: 2011-2408 CIVIL ACTION MORTGAGE FOUCLOSURE PRAECTPE TO ENTER DEFAULT GMENT TO THE PROTHONOTARY: Kindly enter Judgment by Default in favor of Plaintiff, Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004- FR1 and against the Defendants, Victor A. Blatnik and Beverly A. Blatnik, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As set forth in Complaint $70,136.76 Interest @ $11.86 per diem (10/2/10 to 4/6/11) $2,205.96 Late Char es $306.36 Prop, Inspection & Prop, Valuation Fee $119.20 Corporate Advance $1,895.00 TOTAL $74,663.28 Together with interest at the contract rate after the date of judgment, and costs. I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT IN MORTGAGE FORECLOSURE AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT IN MORTGAGE FORECLOSURE. QMA Vgbc) -H aN?__ ?? a 9 s? 1 1 1. I hereby certify that the attached Notices of Intention to Take Default were forwarded to Defendants more than ten (10) days ago. By: Date: Aptil.6, 2011 PARKER MCCAY P Stuqft I. Sei , squire Thr entree Centre 7001 Lincoln Drive West P.O. Box 974 Marlton, NJ 08053-0974 2 PARKER McCAY P.A. By: Mary Wu, Esquire Attorney ID# 209171 Three Greentree Centre 7001 Lincoln Drive West P.O. Box 974 Marlton, NJ 08053-0974 (856) 810-5815 Attorney for Plaintiff File #:14871-0220 Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass- Through Certificates, Series 2004-FR1 4875 Belfort Road Suite 130 Jacksonville, FL 32256 Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY : FEBRUARY TERM, 2011 : Docket No.: 2011-2408 : CIVIL ACTION : MORTGAGE FORECLOSURE NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 DATE OF NOTICE: March 21, 2011 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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 MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Respectfully Submitted, PARKER cCAY P. . BY: Mary W , Atto for Plaintiff DATE: March 21, 2011 VIA CERTIFIED MAIL, R.R.R. AND FIRST CLASS MAIL 7160 3901 9849 2654 7843 TO: Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 SENDER: Se Blatnik 10 days 14871-0220 REFERENCE: PS Form 3800 January 2005 RETURN Postage RECEIPT Certified Fee V.VV SERVICE Retum Receipt Fee Restricted Delivery • Total Postage & Fees 1/0-1 -11-1 US Postal Service ARK OR D? Receipt for o? Certified Mail Y? No Irmunu os Coven" Provided W 0o Not Use for konwoonal Mel US POSTAGE $ 01.15 • Mailed From 08053 { 03/21/2011 031 A 0005180085, E coo ? s v (D a *_ o D 4-J i ?Q w CD a s q ?? o it . D }.. - o ?E t E -.-{ ll ? ^?r O Vl U Eo a Q a / o Uj 1` " - S~ O Z "ZI r W ?y °D - ` U O ',I p CY) Q ?r?y a E 0 o r, Q m o O (TI r a t- a co tE E i -- Parker McCay P.A. Three Greentree Centre 7001 Lincoln Drive West P.O. Box 974 A T T O R N E Y S AT LAW - Marlton, NJ 08053-0974 P: 856-596-8900 F: 856-596-9631 www.parkermccay.com Foreclosure/Bankruptcy Dept. P: 856-810-5815 F: 856-596-3427 March 21, 2011 Via Certified Mail, R.R.R. & Regular Mail Victor A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 File No. 14871-0220 7 J, 3?pZ 9gy9 2b 7g Re: Deutsche Bank National Trust Company, as Trustee et al. vs Blatnik, Victor A. and Beverly A. February Term 2011; 2011-2408 Dear Sir/Madam: Enclosed herewith please find a Notice of Intention to file Praecipe for Entry of Default Judgment. If you should have any questions, please do not hesitate to contact our office. THIS LETTER IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Very truly yours, WAR U MW/se Enclosure Marlton, New Jersey I Lawrenceville, New Jersey I Atlantic City, New Jersey PARKER McCAY P.A. By: Stuart I. Seiden, Esquire Attorney ID# 200162 Three Greentree Centre 7001 Lincoln Drive West, P.O. Box 974 Marlton, NJ 08053-0974 (856) 596-8900 Attorney for Plaintiff File #:14871-0220 Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FR1 4875 Belfort Road, Suite 130 Jacksonville, Ft. 32256 Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, PA 17055 Defendants. : COURT OF COMMON PLEAS : CUMBERLAND COUNTY FEBRUARY TERM, 2011 Docket No.: 2011-2408 : CIVIL ACTION : MORTGAGE FORECLOSURE VERIFICATION OF NON-MILITARY SERVICE I, Stuart I. Seiden, Esquire, hereby certify that I represent Plaintiff in the above entitled case; that I am authorized to make this Verification on behalf of Plaintiff that the above-named Defendants are over 18 years of age; that the address of the Defendants, Victor A. Blatnik and Beverly A. Blatnik is 5 Patton Road, Mechanicsburg, PA 17055; that the occupations of the Defendants are unknown; and that the Defendants are not known to be in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. 32256. I also certify that the address of the Plaintiff is 4875 Belfort Road, Suite 130, Jacksonville, FL 1 understand that the statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. PARKE cCAY, P.A. By: St rt ei n, Esquire Date: April 6. 2011 Request for Military Status Department of Defense Manpower Data Center 4D Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Apr-06`2011 09:46:44 Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service A gency BLATNIK VICTOR A Based on the information you have furnished, the DMDC does not possess an information indicating the individual status, Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAH, Public Health, and Coast Guard). Otal )4. it Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 of seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL bttp:-//,&&&,defenselink.mil/fAg/pis/PC09SL12R,WMI. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of= contact. https://www.dmde,oad.mil/appj/scra/poproport.do 4/6/2011 Request for Military Status Page 2 of 2 More Information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA Is Broader in Some Cages Coverage under the SCRA is broader in same cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certifleation should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:N7S88HJNNQ https,//www.dmdc.osd,mil/appj/scra/popreport.do 4/6/2011 Request for Military Status . Department of Defense Manpower Data Center 10 Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Apr-06-2011 09:49:15 -C Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service A gency BLATNIK BEVERLY Based on the information you have furnished, the DMDC does not possess A an information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard), 14 Owt Ift 0444, Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http://www.defepselink.mil/fag-/vis/PC09SLDR.html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc,osd.mil/appj/scra/popreport.do 4/6/2011 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report IDAI16OMBGF0 https://www.dmdc.osd.mil/appj/scra/popreport.do 4/6/2011 PARKER McCAY P.A. By: Stuart I. Seiden, Esquire Attorney IN 200162 Three Greentree Centre 7001 Lincoln Drive West, P.O. Box 974 Marlton, NJ 08053-0974 (856) 596-8900 Attorney for Plaintiff File #:14871-0220 Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FR1 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, v. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, PA 17055 Defendants. : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : FEBRUARY TERM, 2011 : Docket No.: 2011-2408 : CIVIL ACTION : MORTGAGE FORECLOSURE CERTIFICATION 1, Stuart 1. Seiden, Esquire, do hereby certify that the Defendants, Victor A. Blatnik and Beverly A. Blatnik were served with the Complaint in Mortgage Foreclosure in this action, by the Cumberland County Sheriff on February 28, 2011. A true and correct copy of the Cumberland County Sheriffs Return of Service is attached hereto as Exhibit "A". PARKER MCCAY, PA. By: Stua Srt'I Bide quire Thr ntree Centre 7001 Lincoln Drive West P.O. Box 974 Marlton, NJ 08053-0974 Date: April 6, 2011 EXHIBIT "A" SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor fiFrtiCE OF THE SHERIFF Deutsche Bank National Trust Company I Case Number vs. 2011-2408 Victor A. Blatnik (et al.) SHERIFF'S RETURN OF SERVICE 02/28/2011 03:47 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on February 28, 2011 at 1547 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Victor A. Blatnik, by making known unto himself personally, at 5 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. EL BARRI K, 02/28/2011 03:47 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on February 28, 2011 at 1547 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Beverly A. Blatnik, by making known unto herself personally, at 5 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same tim handing to her personally the said true and correct copy of the same. C EL BAR K, DEPUTY SHERIFF COST: $53.00 March 01, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF PARKER McCAY P.A. By: Mary Wu, Esquire Attorney ID# 209171 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, New Jersey 08054 (856) 810-5815 Attorney for Plaintiff File #:14871-0220 i Ya 'e? ? e C1 ? l 9 S11'{ V ? P'\ i '? i L. W t • YiF y 1 E.. 1'i ?.I iDE L ?D COU" ' Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FRI 4875 Belfort Road Suite 130 Jacksonville, FL 32256 PARKER MCCAY, P.A. Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 Defendants. : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : FEBRUARY TERM, 2011 : Docket No.: 2011-2408 : CIVIL ACTION : MORTGAGE FORECLOSURE PRAECIPE TO WITHDRAW DEFAULT JUDGMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (k P? aWA Please withdraw Plaintiffs Default Judgment filed on April 13, 2011 and mark same withdrawn and dismissed without prejudice. Dated: September 13, 2011 By. ary Wu squire Attorne for Plaintiff & CO ?.3a9?? PARKER McCAY P.A. By: Mary Wu, Esquire Attorney ID# 209171 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, New Jersey 08054 (856) 810-5815 Attorney for Plaintiff File #:14871-0220 ' fit ! HONG VJ' ,. L,; 1 CJVT 3 Pty 2: 48 "."JIMBERLAND COUNT""' PENNSYLVANIA Deutsche Bank National Trust Company, as Trustee for, Ameriquest Mortgage Securities Inc. Asset Backed Pass-Through Certificates, Series 2004-FRI 4875 Belfort Road Suite 130 Jacksonville, FL 32256 Plaintiff, V. Victor A. Blatnik Beverly A. Blatnik 5 Patton Road Mechanicsburg, Pennsylvania 17055 Defendants. : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : FEBRUARY TERM, 2011 : Docket No.: 2011-2408 : CIVIL ACTION : MORTGAGE FORECLOSURE PRAECIPE TO SETTLE AND DISCONTINUE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please withdraw Plaintiffs Complaint for Mortgage Foreclosure and mark same settled and discontinued without prejudice. Dated: September 13, 2011 APARKcC A Y P.A. ByMary W DEKW?,et.ff Atto v Plai