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Home My WebLink About12-5780MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Weiner, Esquire ID No. 203145 220 Lake Drive E t, Suite 301 Cherry Hill, NJ O~d02 (856) 482-1400 HSBC Bank US Trustee for the ACE Securities Trust, Series 2a Through Certifi 475 Crosspoint Getzville, NY 1 Vs. ~~ tsi~ OI"H4N~TA~ j~ 2~~2 SAP 18 AM 10:4 '~t11~~E~i.aNfl GQUNTY f~EN~1S YIYAi~lA Attorney for Plaintiff National Association, as :rtificateholders of the Home Equity Loan 2. Asset-Backed Pass- COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: ~o~~ 5~ ~b ,J` 1 ;CIVIL ACTION/R,ESIDENTIAL OWNER Plaintiff, ~ OCCUPIED MORTGAGE FORECLOSURE Francisco Salaza#~ 601 Lowther Stmt Lemoyne, PA 17 43, and Victoria Salazar '~ 641 Lowther Str~et Lemoyne, PA 17 3, COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, I-~'~BC Bank USA, National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- Through Certificates (the "Plaintiff '), is registered to conduct business in the Commonweahh of Pennsylvania and ~aving an office and place of business at 475 Crosspoint Parkway, Getzville, NY 14068. 2. Defendant, Francisco Salazar and Victoria Salazar, (collectively, the "Defendants"), are aduh individuals ajnd are the real owners of the premises hereinafter described by virtue of a ~ 1 ~ µ a~ ~~d ~ s P Y ~~gto-gy Deed dated May 2 2006, recorded May 10, 2006 in Deed Book 274, Page 2326 and Instrument 200615695. The Dleed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Francisco Salazar, upon information and belief, resides at 601 Lowther Street, Lemoyne, PA 1703. Defendant Victoria Salazar, upon information and belief, resides at 601 Lowther Street, L~moyne, PA 17043. 4. On May 2,~, 2006, in consideration of a laan in the principal amount of $84,000.00, Defendant, Franci$co Salazar executed and delivered to New Century Mortgage Corporation a note (the "Note") with interest thereon at 7.950 percent per annum, payable as to the principal and interest in equal monthly installments of $613.44 commencing July 1, 2006. The Note is attached hereto as (Exhibit "B" and made a part hereof. 5. To secure ~he obligations under the Note, the Defendants executed and delivered to New Century Mortgagt~ Corporation a mortgage (the "Mortgage") dated May 2, 2006, recorded on May 10, 2006 in tl~e Department of Records in and for the County of Cumberland under Mortgage Book 150, Page 0761. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded August 2, 2012 under Inst~ament 201223250. The recorded Assignment of Mortgage is attached hereto as Exhibit "D" anc~ made a part hereof. 7. The Mortgage secures the following real property (the "Mortgaged Premises"): 601 Lowther Street, L~moyne, PA 17043. A legal description of the Mortgaged Premises is attached hereto as Exhibit `~E" and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments Iof principal and interest due November 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: Principal Balance .................................... $80,155.21 Accru ' but Unpaid Interest from 10/1/lto 8/17/12 ................................... $11,961.23 Escrov~ Advance ........................................ $3,077.78 Foreclosure Fees ........................................... $880.00 Properly Inspection Fees ............................... $170.00 Return Payment Fee ....................................... $20.00 Reaso able Attorney's Fees ....................... $1,450.00 TOTAL, as of 08/17/2012 ........................ $97,714.22 Plufi, the following amounts accrued after August 17, 2012: Int~nest at the Rate of 7.950 percent per annum ($17.4107 per diem); Lat~'Charges per month if applicable. 10. Plaintiff hays complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Asserr~bly ("Act 91 ") of the Commonweahh of Pennsylvania, by mailing to Francisco Salazaz ~t 601 Lowther Street, Lemoyne, PA 17043 on January 3, 2011 as well as to Victoria Salazar at 601 Lowther Street, Lemoyne, PA 17043 on July 25, 2011, the notices pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit "F" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and safe of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $97,714.2, plus the following amounts accruing after August 17, 2012, to the date of judgment: (a) interest of $17.4107 per day, (b) late chazges per month if applicable, (c) plus interest at the leg~l rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if zany) hereafter incurred, (e) and costs of suit. Date: a 1 ~ ~/ VERIFICATION i ~ ~ ~ ~ hereby states that he~ is Qss1S'~ti~-1fc;~f Bank of America,' N.A., Servicing Agent for Plaintiff in this matter, that h~ is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure aze true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement is made subject to the penahies of 18 Pa. C.S. Sec. 4904 re~ating to unsworn falsification t authorities. - ~ Z~ Name: ~ Title: Agsf- Vc~t' !PR-Q-~~~~Q,r~/~~,'" Exhibit "A" fi SSING T8$'SAL~lE PREMISES WRICH Kimberly A. Esterline, now known as Kimberly A. ICennerly, and David G. Kentterly, her husband, by their deed dated July 14, 20Q3, and recorded P_uqust 18, 2003, in the Office of the Rf=~order Of Deeds in and €or Cumberland County, Pennsylvania, in Record Book 258, Page 3b55, granted and conveyed unto Jose Trejo, a married person, Francisco Salazar and Victoria Salazar, his wife, as joint tenants with rights of survivorship. Josa Trejo and Monica A. Trejo, his wife, are the Grantors herein. AND the said Grantors hereby covenant and agree that they will wazrarit sFaecialiy the property hereby conveyed. Monica A. Trejo joins in this died solely to release and quit claim any interest she may have in tliie property as the wife of Jose Trejo. iN W$SS iiS~RNCIF, said Grantors have hereunto set their hands and seal the day and year first above written. Signed, Sealed, and Delivered ~,n tie Presence of _~'.,.'~"". ( SEAL ) JOSE TREJQ -~~~~1.z~sCl~'~, t-~'t. (SEAL ) MONICA A. TREJd M MfIMfM. O.7 R•99 A\l -2- ~. . ~~ ~ ~~~~• t`J ifJRFRf ANR (`.f)f iNETY I OSt.#k 200615695 - Pale 2 of 4 COi~.NlONWEA~TH OF PENNSYLVANIA: . SS: COUNTY OF' CUMPERLAND ,a~ 11~ 0:: t~is, the ~d.~ day of 2006, before me the undersigned officer, a Notary ?ub e personally appeared, JOSE TREJd and1:4O13TCA A. TREJO, his wife, :mown to me (or satisfactorily protean) tb be the persons whose names are subscribed to the within instruinenlt, and acknowledged that they executed tha same for the purposes therein contained. IN WITNESS WHEREOF, I have hereT~nto set my hand and official seal the day aid year first above wri en y~ ~'" ~ Notary Public ,tm. Z hereby certify that the precise residence and complete past office address of tha within named Grantee is: 601 IAWTBBR STRfiET I.EHOYNE, PA 17043 DATE D = ~ _7 ~C7~ Att fo I C~~~r #his to be recorded In Oberland County FA ~ .~ !t ~ ~ rder' of Deeds . Re a ~..~ ~ ~ ~ ~ .~ .. ~ ~ Q Ni- ~ •. D '. Fr+ ~ y 114fYM'IS A•47•'t4 AAA ~ r C`dlME3ERLAND COUNTY s~ ~3~s It15t.# 2008iS685 -Page 3 0( 4 ... Rev-yea ~c ~+, ash co~aaot~tt• cF PEe* oF.PMTM~IT OF REV et.MtEAtr OF tID1YlQilil. oE~r. maeai is REALTY TRAl~SFER TAX ~« t.~ ~~ v~~ STATElINT 4~ VAi.UE ~" E Pepe Nunbr oet. ri.owd.a '~ See Reverse for Intmtrcic#itxts w (3~a tax e~oerriptitn is c~irnad. (~ ~ of valor b not ~ the ~ ~ r~~ n~ utiily ~erner-t ~niore sae ie rMeedad, attach addld~ ahsa a . Y~. edeet Address s~ ~ ~ __ cKy Nils~e TeNpt~on. Number: 7 - +~ stmt Address ~ Ctty S`iat4 Zip Codt B. i"RA~$FER DATA Grantor(sy~essorlsy dose T~ica_ A_ T~t+~,~, i C~JA~(rG~ /_ I , ` 1//( ~ G. pRf?PER1"Y LQC ~ sired Ad~est: 4 ~~ ~rwrti,wr Stn3e1 { ~~ SllmberEand I "" v. vAt,.uaTictiw [SAT ~. 1. Acttwd Casi+ Conskret~itlon 4. County Assessed Value E. IrXEMPTiUM DAT 1 1a. Amount orExsmptiar- •- i is wha~i exert>ai tram Sbte i z~ Cone pry, 7orKlshiG. District ~ Taz 2. OtMr CansiOerrdfon 1b. Pltr~etMapt or Nlrtfest Conveyed 3. Tefd Coneidxatbtt A _..._ 6. Fed tAsliOet Value 2. Choc?c Appropriate tc BafESw for Exemption Ciailm+d ^ Will or intestate ~~sion N (Nsrne of Deoedtnt) t~ Flee wnbsr) ^ Transfer to lndtrstr~t Development Agency. ^ Transfer to a trust.) (Attach complete Dopy of trtrs# agreement idtantifytng aN berteficiart9s.) ^ Transfer between rincipai and agent. (Attach complete spy of agancyletna+v party agneement.) ^ Transfere to iha moirivealth, the Un(bed 3ia~ and ir-ter~umeetat#les tyY gMt, dedication, condemnation or in freu of condemnation. ~ candemnatbn or in lieu of coridamnetion, a~ copy Of reea~tt~ign.} ^ Transfer from mo rgor to a holder of a mortgage in defauh. MortQerge Book Number .Page Number ^ Corrective or con story deed. (Attach complete copy of the prior deed being CorrBCted or eortfirrned.} ^ Statutory co+porat~ consolidation, merger or division. (Attach copy of arUdes.) r. Undo per;taitksa of few. t are that i aw kitd liras Spnaigialt. including nYkW ~It. sad ~ dw beet at ray it E; trot ,tnd co~rrplttt. ~ oar FAELURE i.E FO P~SPERi.Y OR ATTAGH APpLtCASLE Cit~~lTATK3lri MAY RESULT tN THE RECORD ' SAt. TO RECORC THE DEED. ~~~ ^~+^^~'+^~+ u•o~.o~ ~+~~ f`J -MRFRI ANfS (St'){ tIdTY lnSt~ 200615695 - Page 4 of 4 :, r iI :~\dedt7Rs.J4_rsa PARCEL ~1~-22--x822-iS8 ~~ s bsADE THE ~~day Df s.ix (200611. TSI3 DSBD ir, the year of our Lord two thousand JO88 TR'EJO atnd DIf~ICA A. TREJ+U, his xif~, ~~ ~. ~ry t. ,.u N ~~ a. z.: F t~ C W CC .. ~ .'.) C7 ~-~ K ta! .: ' ~4 s r~ m ~" Gra~-tcra , c~ !~ FR7INCISCO SJ-LAL+11R snd VICTORIA 9ALi1ZAR, hia~ Wife o Grantsea, •~-1 i~ ~S$ETl~, t~7at in consideration of Q!~E and NO/100--------------- ---------t----{gI.04}______--_______________Dollar, in hand paid, the receipt w:~ereof is hereby acknowledged, the said Grantors do hereby grant and convey to the said Grantees, their heirs and assigns, AL.L THBIRCERTAIN iJIiDIVZDBD Z~ITEREST to a lot of land situate in the Borough o Lemoyne, Cumberland County, Pennsylvania, more particularly bounded a..ci described as follows, to wit: BE6INNING'iat a point or the northerly line of Lowther Street 265 feet East to the Northeast corner of ?""-r and iowther Streets; thence along the line ~f Lot No. l7 on the hereinafter mentioned Plan in a ncrtherly',direction 105 feet to a paint; thence along the line of Lot wo. 25 on~~,saia Plan in an easterly direction 60 feet to a paint; thence a_~ng the line of Lot No. 15 on said Plan in the southerly directicn~~,i0~ feet *_o a point on the northerly iir.e of Lowther Street; thence a-~ng s~owther Street zn a westerly direction ~0 feet to a point, h place of BEGINNEN~. HEING Lot Ne, 16 or. Piar. of Section A, Waldon Terrace, which Plan is recorded ~.n Cumberland County Recorder's Office in Plan Book 9, Page ~:. ' BEING imp~oved with a dwelling house krawn and r=cambered as 6Gi Lowther Street. ! _Z_ F " : 6 ~7y 2 3.z ~ mrxu'm~ ~ R z~-~~ AM CUMBFRtAND COUNTY inst.# 200615695 -Page 1 of 4 88ING TI~B ~9Al~E PREMTS'NS WSICH Kimberly A. Esterline, now known as Kimberly A. Kennerly, and David G. Kennerly, her husband, by their deed datee~ July 14, 2033, and recorded August 18, 2003, in the Office of the Reorder of Deeds in and for Cumberland County, Pennsylvania, in Record Book 258, Page 3655, granted and conveyed unto Jose Trejo, a married p rson, Francisco Salazar and Victoria Salazar, his wife, as joint ten its with rights of survivorship. Jose Trejo and Monica P.. Trejo, ~'ii wife, are the Grantors herein. ANfl ~he said Grantors hereby covenant and agree that they will warrant s~ecialiy the proper~y hereby conveyed. Monica A. Trejo joins zn t!~is c~ed solely to release and quit claim any interest she may have in t~e property as the wife of Jose i'"ejo- iN T~T~~iSS S, saki Grantors have hereunto set their hands and seal ~he day and year first above written. Signed, Soled, and Delivered in t e Presence oL SEAL) JOSE TREJO ~ 4 L MONICA A. TREJG -2- ~opc M~i7 u n~r.n.. /nn~ ~ e-e~.» w~^ f^I t6RRFR1 AIJFI (:fll SLATY .net.# 200615695 -Page Q of 4 CdN.MgNWEAL~'H CF PENNSYLVANIA: . SS: COUNTY CF CUMBERLANB 4~ th~.s, the ,~_,_• day of 2QOb, before me the undersigned officer, a Notary Pub 'c personally appeared, JCSE TREJd and I~IOIvTGA A. TRE30, his wife, known to me (or satisfactorily proven) tol, be the persons whose names are subscribed to the within instrlmerLtl, and acknowledged that they executed the sar.-e for the purposes therein contained. IN ~vITi3~'SS WHEREOF, I have hereunto set my hand and official seal the day a*~d near first above writ,/~eny,,.~~ Notary Public ,~a. I ee eby certify that the precise residence and complete post office actress of the within named Grantee is: 6Q1 LOW'TR STBB$T LEEIOYNE, PA 17043 DATED : ~ -2`~l Att fv^ I Ce'r'~t~ y~th'is to be recorded In Gt~tbtrla~nd County FA ~ carder Of Deeds a. ale ~~ a. t~ ~ ~ ~' ~' .~ ~ ~~p • ~ ~ • ~ Mme"' GR u~yy~• 1 `K 1.7' ~ 76 ~'., ` iUC ~'1' ~ ~ ~ ~, ~' .~.. a ~- : M/1MA1'1 R•4?•'3Q DM " ~~r~gsg~s~~~~~ f:I1MRF_RLAND COtfNTY Inst # 200615685 -Page 3 of 4 EX~llblt "B" Coed i~ue Copy o~ici~vA~ ADJUSTABLE RATE NOTE (LIB R Six-Month Indes (Aa Publishesi In T7~e Warn Street Jownan -Rate Caps) THlS NOTE. PROiVIStt>l11S aLLiQlNiN® ~C1R CHANGES IN MY iNTERkST RATE AND MY Mt3NTHi.Y PAYM .THIS NOTE OMITS THE A't~OUNT MY INTEREST RATE CAN CHANGE AT aNY ONE T<wAE THE MAXIMUM RATE 1 MUST PAY. >~y Z, 2006 I.ameoyae Peans<ylva~aia [D~l [Ciry] [Seas! 601 Lowther Street, Les~oyae, PA 17043 I~P~r Addra~7 1. BE1RR0'S PR0~4QSE TO PAY In return ~ a loaa that I have recdvtd, I promise to pay U.S. $ 84 , 000.00 (this amount is called "Principal"), plea inter'est,' to the order of bender. Lender is New Century Mortgage Corporation I will make ail P u this Nate in the form of cash, check ar money order. I unda~td that Lam may traca~ this Note. Loeser or amyone who takes this Note by b~anafer and who is entitled to receive paymests unda~ this Note is called the "Nate Holder." 2. IlvZ'ERl~BT Inteabst will be dn<rged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.950 aYo. The interest rate I will pay may change in accordance with Section 4 of fins Note. The inteanat rater by this Section 2 and Section 4 of this Note is the rate I wilt pay bow before and after say default described in Sectio 7(B) of this Note. 3. PAYMENTS (A) Time sand Plaoa of Payments Hose I will pay prinapat interest by msldng a payment every month. I will make my mo y payments on the first day of each month beginning on suit' i , 200 6 I will make these every month u~il I have paid aII of the principal and ia#emst and nay other charges desoribexi below that I ma' owe under this Note. Each monthly paymart will be applied as of its srbcdutal due date and will ba appliexi to interest a Principal. If; oa 06/01!2036 , I still owe amounts under this- Note, Iwill pay those in full on that date, which is called the "Maturity Date." I will make my mon payments at 18400 von ycarmaa, Suite 1000, zrvina, CA 92612 or at a different place if r iced by the Note Holder. ~) Auaoamt of My Monthly PeYnaent: Beth of my initiai payments will be in the amount of U.S. S 613.44 .This amount may ~8e. ~ ~' Y payment will re$ect changes in the unpaid principal of my loan and in the inta~ast rate that I mast pay. The Note Hol will determine my new interest rate and the changed amaurd of my monthly payme7at in accordance with Section 4 of this Note. MULTISTATE AD.tUSTABLE W1TE NOTE . LIBORSiX-MONTH INDEK (AS PUBt.[~t® IN THE WALL STREBT JOURNAL) - Singie FamRy - Faenk Mss INSTRUMENT ~838N roztol Foam 35201/ 01 YMP MORT'WWa fORM6~ • {00081.7291 ~~ Pis T of 4 IMW rv • s (Itj Notl¢e of Chang The Note Holder wi 'deliver or mail to me a notice of any changes in my interest rate and tho amount of my mb~hly payment before the ' t data of any change, Tha notice will include inf~ccation required by law to be given to me and also the title and telephon member" of a person who will answer a~ question I may have regarding the notice. 4. INTEREST RATE A,1M1D MONT$LY PAYMENT CHANGES (A) Chasige Dates The interest rate I wi 1 pay may change on the first day of Jane, 2008 ,and on that day every 6th month there~ftet. Each date oa which my interest rate wind change is called a "Change Data" (B) The Indez Beginning with the at Change Date, my interest rata will be based on an Index. The "Indwc" is the avara~ga of ic>xerbank offared rates f slix month U.S. dollar-denominated deposits in the London market ("LIBOR"}, as published'in The WaJI Street Journal. ~'he most recant Index figure available as of the first business day of the month immediatety pteeedhag the month in ch the Change Date occurs is called the "Currant Index." If the Indrac is no oc~ar available, the Note Holder will choose a new index that is based upon comparable information. The Note Ho~der will give me notice of this choice. (C) Caksiaeioa of a>liges Before each Change~ata, the Nota Holder will calculate my new interest rata by adding Six nod dive Hundredth te) ' p~cxntage points ( 5.050 %) bo the Current Index. The Note Holder will than round the result of this addition to the nearest one-eighth. of one Peroartage point (0.125%). Sub}act to the l~mits :fated in Section 4(D) balarov, this rounded amount will be my now it rata untfi the next Change Date. The Note Holder thou detarmicca the amount of the monthly payment that would be sufdt to repay the nagaid principal that I >un axpoct to owe at the Change Data in full on the Maturity Data at coy new interrast rata in substantially alual payments, The of this calculation will be the new amount of my monthly payment. (D) Ltiaodtt en i>IC Rate Changes The icctea~est rata I ,required to pay at the first Change Data will not be greater than 9.4 SO or lei thetc 7.950%. Thereafter, my interest rata will never be increased or decreased on say single Change Date by snore dne And One-half Percentage poicrt(s) ( 1.500 %) from the rate of interest I va beam paying for the preceding 6 months. My interest rate will never be greater than ~ .950%. (E} EfCecatlve Date o Chascges My new interest rate viii become efl?activa on each Change Date. I will pay the amount of my new monthly payment beginning on ~ first y payment date after the Change Data until the smonnt of my mocrthly Payment changes again, 5. BORROVPigR'S RIG TO PREPAY I have the right to payments of Principal at any time before they ere due. A paym~t of Principal only is known as a "Prcpaymack" Wh X make a Prepayment, I will teal the Note Holder in writing that I am doing so. I may not designate a payment at a payment if I have not made ell the monthly payments due under this Nota. I may make a full t or partial Prepayments without paying any Prepayment charge, The Note Holder will use my Pre~aymerrts tar ce the amount of Principal that I awe under his Note. HoweveQ, the l+l'ota Haldar may apply my Prepaymalat to the sccru ,and unpaid interest on flu Prepayment amount before applying my Prapaymerct to reduce the Principal amount of this bte. If I make s partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note -older agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly'P4Y agar #brst Change Date fbllowing my partial Prapaym~ck However, a~ reduction due to my partial Prepayment ~y be oflisot as interest rata increase. If a law, which appl' to this loan and which sets maximum loan cltmrgas, is finally interpreted so that the interest or other loan charges toll or to be coflec~ed in connecxion with this loan axcced tho permitted limits, than: (s) any such loan chsrgo shall be by the amount neoasaary to r~uce the charge to the permitfiod limit; and (b) any sums a>zeady collected from me that ac ' permitted limits will be refunded to me. The Note Holder may choose to make this refund by reduang the Principal I' owe under this Note or by making a direct payment to cna. If a refund redueas Principal, the reduction will be treated a partial Prepayment. t~-838N ro2~o~ Forth 352 Ot P1p~ 2 °f 4 Inldda • 7. BURROWBR'3 FAIL7 TO PAY AS REQUIRED (A) Ls~te Charms for erdae Payments If the Norte Holder has'~not received the full amount of say monthly payment by the end of fifteen calendar days after the date it is duq I will pay a late charge to the Nola Holder. The amount of the charge will be 5 . bG0 % of my overdue payment of principal acxl interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the fttltlamount of each monthly payment on the date it is due, I wlli be in default. (C) Notice of DeI'salt' If I ant is defiaaalt, the ote Holder may send me a writtar notix telling me that if I do not pay the overdue amount by a certain data, the Note Ho ~ may require me to pay immediately the full amount of Princtpsl that has not bean paid and all the interest that I awn o that amount. That date must be at Ieast 30 days after tl~ date on which the notice is mailed to me or delivered by ether (D) No Waiver By to Holder Even if, at a time I am in default, the Nota Holder Boas not require me to pay immediately in ftall as described above, the Note Holder stilt Nava the right to do so if I em in default at a latent time. (E) Payment of Note er's Costa and Ilxpenses If the Note Holder La# required me to pay immediately in. full as described abovq the Note Holder will have the right to be paid back by me fur ~ of its costs and expenses in enSorcing this Note to the extent not prohibited by appiic~ble law. Those expenses inctudq furl examplq reasonable attorneys' fees, 8. GIVING OF NOTIC&$ Unless applicable Isw ktgniras a different method, any notice that must be givar to me under dais Note will be gluon by delivering it or by maitin: it by first class mail to me at the Property Address above or at a diffarent address if I give the Note Holder a notice of my dif&aent address. Unless the Note Hol requires a diffxratt method, arY notice that must be given m the Note Holder under this Note will be given by mailing it y fret class mail to tha Nota Holder at the address stated in Section 3(A) above or at a different address if I stn given a notl of that differart address. 9. OBLIGATIONS OR NS UND$R TSIS NOTE If more than one per signs this Note, each person is thily and personally obligated to keep... alI of the promises made in this Note, including the ' e to pay the full amount owed. Any pmrsaai who is a guarantor, surety or endorser of this Nom is also obligated to a Chase things. Any person who takes over these obligations, including the obligations of a guarantor, surety or ar ' of this Note, is also obligated to keep alt of the promises made in this Nota. The Note Holder may enforce its rights unde$ this Nota against each person individually or against all of us together. Thin mesas that nay one of us may be required to pajy all of the amounts owed under this Note. 10. WAIVERS I and any other perso who has obligations under this Note waive the rights of Presentment sad Notice of Dishonor. "Pry" means the ri to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the No Holder to give notice to other persons that amout-ts due have not ban paid 11. IJi•IlFOIgM SS MOTE Thin Note. is a ; insbn~meat with limited variations in some jurisdictions. In addition to the protecrtions given to the Note Holder under this Note, a Mortgage, Deed of Trust, ar Security Deed (the "Security Instrument"), dated the lama date as thin Nom, protects 'Note Holder from possible losses that might result if I do not keep the promises that I make in in full of all amounts i own, under this Note. Some of those conditions zead as follows: ' Fong s52 0~ ~88aN ros~ol aq.aora ~~ar • s Tra~ader of the ; Property" means any interacts trarue8ared n intent of which is the 1 If all or any Part natural person and a b Lender may require v option shall not be ex exercise this option if the intruded transibra that Lender's seemrity agreepoont iaz Chia Seou To the extent pa consent to the loan as aaxpmble to Lends ~ and in this Security Instrument unless Lan If Le-ddra axes: acceleration. The not & with Sectii Borrower fads t-a pay by this Seetu~ity Iustau 'roperty or a Beneflclai Interest in Borrower. As used in this Section I8, "Interest in the sgal or benoPtciel interest in the Property, including, but not limited to, those beaeiicisl a bond for deed, contract for deed, installment sales contract or escrow agreement, the aasfez of title by Barrawer at a future date to a purchaser. -f ~e Property or any Interest in the Property is sold or transferred (or if Borxower is not a mefieial interest in Borrower is sold or transferred) without Leader's prior written consent, mate payment in Rill of aU sums secured by this Secuuity Inatnunteat. However, this reined by Lender if such exe~rcix is prohibited by Applicable Law. Caroler also shell cot (a) Borrower causes to be submittxd to Leader information required by Lender to evaluate as if a new loan were being made to the transferee; and (b) Lender reasonably determines will not bo impaired by the loan assumption and that the risk of a breach of eery covenant or lily Instrument is aoeeptable to Lender. ~hitbed by Applicable Law, Lender may charge a reasonable fee ea a condition to Lender's gmption. Lender also may require the transferee to sign as assumption agreement that is std that obligates the transferee to keep all the ~omises and agreements made in the Note instrument. Borrower will continue to be obligated under the Note and this Security releases Borrower in writing. the option to require immediate payment is fall, Lender shall give Borrowar notice of .e shall provide a period of not less than 30 days From the date the notice is gives in ro IS within which Boaowar must pay all sums sectued by this Security Instrument, If rase sums prior to the expiration of this period, Lender may invoke any remedies permitted ~ without fiuther notice or demand on Barc~owar. WITNESS THE HAND(S) ~ SEAL(S) OF THE UNDERSlt3NED. ~~..5~,~ .~b~!~~„,~-~ '~ (Seal) (Seal) Sra~aaiaao Ssla:za;r -Borrower -Harrower (~) -Borrower j (Seal) -Borrower ~~) ', -Borrower -(~) -Bautowar -(sue) -Boetower (Seal) -Borrower Original Only) 'aN (0$10) Pp4 of 4 FORfI 3$ZO ~~ 0't Exhibit "C" ~ ~~~ ~~ ~ Prepared ay . ».~. c.a 'rr xcrtgaq.f cri~cpcrst~ioa se*oo v lKartft~n, sta soao Zrvias., 92612 $DO-987- 823 Rdurn To: ~~~ -~~~ ~a fi~ ~o ~s >9~ Ciffat~y Martgaga Corga~atiaa lssao vaud ltarsr:n, :its IOOt) IYVirti, 92812 8QG-967- 823 Prerniscs: 6t)1 7Ga~etlaax Strawt Partxi zs.a~oy'as 12-22-08 ~~-168 [SQ~ASe Ab~re TYs r3ee F'or Reaoril~ Drts] ', M©RTGAGE ~~lxrrioil~s Words nsod im muttipla suctions of this docutnextt are defiDai be}a~r and odor words ere deiinsd in Sections 3, il, I3: 1$, 7fl and 2i. Cerbtia odes r~ the ~ of winds used in this dopuaait are also is Seetiaa i6. (A} "Seas lanlrrtatelat" t~mas this doeumcat, vfehich is dated liay 2, 2006 together with api Riders to this dotanaent. ' (8) "Hse't+s 'is>1`raaaisao 9aL:ar acfeLd Vietaria Salasar, hi^ xifs• I Barmwa• is tea mortgaga: uudQ thu Security Insttuu~. (C) "Iia ns aGu+r Celatttsy lttsrir4si~ Corporatiaa Lender is e - slnpis Family - t~ipfllit liFaNtl+i~d~efs ife tINMKfIV11 t1ti1'lllNMiMr ~~w ~~2' ~, er,a INielc~ vr~v+~iwlpAp.soiMia,A, Inc Iirao~sz»as,+ l~ ~.1~~~PG~7~~j nTMAHI1fA R•~F•AA AA4 (:i ItYiRFR~A1Jf) f.(N1fVTY ~ 39tesrY 4101 fast#24061569fi - ~ t of!22. otganizod tarratrag vrsder the laws of Califasmia Leader's is 2800 Vogt ~ts<Rtl, Suitt lt}Ot3, 2r'virll, C1l 92612 Lender is fhe cpot#gagee tinder tbis 9eettrity Inaormtrent. (D) "dote" the plomissoty Wort signed by Harrower grid dated 11ag 2, ztl0ti ?'ha Note that Harrower owes Lenciar EZ~-]Ktt3R Tl10CSl1llR? ~ QO/x.00 Dotlars {U.S. S Y4 , DO . t)t1 ) pbos iateirst. Borrower has peomised to ply this debt in regular Periodic Payments ~ pay the debt in ~ll aoE later thaa d6/al/2036 (E) "Pfrape " rriemts,the pmopeny tlt~ is deacn'bed blow ~ the heading "Transfier of Right in the Prorixtr ty.p {>~ "Laa:a~ tt>c deb: aNiddoced by the xote, plus interest, any prepsyme:st cha:ges and tats ~ d~ onset Wore, sad atl tattns due under this soca~ity mt~rtmalart, plus interest. ([*} "R~ ill Riders to this Scasity 7nstrummt tbrt ire cxecueed by Harrower, The following Riders are Oa etrecated by BOti'Dwm' [~ box i6 app~ltilbloj: Rate hide[ C~ao~iuhtrrl Ridtr Seed Horne Rider ' Halloou Pliaoad Unit I)errek~pmatt Rider 1.4 Family Rider VA laid ^ Biddy Payramrt Rider Other(s) [specify} pstpsyattnt Ridtr y~~~ TT ~~ _'f f~ ,~,` ~ >aidrrr ~te3dtradosa " Yli i~iL~~ all ~l~ apph:cablC ~, StatC ~ local , regu}agoos, ordi ' adminiatratlve tales sod ordt7s (tint true the effad of law) as wail si aq applicable final, tsjjndicial opiaions. (k') "Cersl Aatdatir~ Dwx, Rees, said Asswaorals" nuar-s all duce, fees, isses~es and other charge that eta imposed on Boaawer or the Property by a candatniniam axsaciition, homeowners asaoc#acion orgaflizsxion. ~~} ~~ Trasmier" meatta lay transfer of fie, atlnr than a cransaotiaat origintded by eheclc, arse, err similar paper it, which is i~rded thtroogh an doairrooAic ta~,uoat, teOnle i;nstraer-ent; , err a~agaetic ~ >o w to grdm~, itairoct, ~ tweboriae a tiaanciai to debit or credit as Sack form inclsdcs, but is sot limi#ed to, poiot-ofsak trynsfas, autormtod teller maclrira: ns, ttmtsftxs iaitsaeed by tdephame, wine tranafiers, sad automated clealiaghouse. uans£ers. {Kj "F.aca~w ^ means those items that aro described is Secdaa 3. (L} Pnoeads" mitts any won, settle.~t, award of , or guocned: paid by say third {oar thin insrttanCe proceeds paid tattler ~e eovrxaQes dt~ibod in Smction 5) fbr: (i) daioage to, ~teatrtux~ion ott the Property, (ii) ipxt or adser taking of all ar 'arty part of the Property; (iii ~aaveyso~x im lies of ooademostioo: oc (iv) mis~reoeotations of, or omissions as to, the valise aesdlor oE#ho Property. (A~ "Marig Ieanarance" mrsrrs iusuraoce protecxing Leader against the natspaymerrt of, or default on, {~ "P! )I°aymeat'! mesas the se$ularly scheduled aR+lariet 8tna far (i) prcincipal and iatareat under the ldote, plan {a ~Y imouttts utrder Soetiarr 3 of this Security Imtrameat. ~~'N ~~ ~,w.r:~ ~W ~ a ~v ~~ - Fain eft 11a1 r~U/p~ ri sNpcai aran r:rn iu'tY - Inst.i~ 2615696 -Papa 2 of 22 {O) "RESPA' aaeaas the Rtxl Estate Sdtloa>~t Procodeuca Act (12 U.S.C. Sootiou 2ti01 at seq.) and its implamt~g rcguiation, Regulatiat X (Z4 C.F.R. Put 3500), at thty might be amended from time to #ime, ar arry at suRxesavs legi~a#ioo a rlegulation tlsat govarac the same atbject matttar. As ttsai i:t this ; TttatXlltlle~4 "RESPA" re~Gtf tp all ahd ttxtricticros ~ are imposed in regard tea "feciardl reltttad mortgage lout" even if tha Loan doeti not gos[ify as a "federally rtdated mortgage loan" ux~ler A {py ° in Titber+d~t t+f asrraweC' tgeme say party that has takes titles to fhe Rroperty, why or not that party aasumad Br:rower's obligatitaos uada~ tl~ Note atadlor this Sexauittlr fs~im-ent. TRANSFER ~ RIGH'T'S IN 3'HE PROPERTY 'i'bis Seassity ~nstrttmeM sauna to Leader: (i) ~ rgmyrnent of the Lwa„ amd all reaewalt:, axtasaaicas and awelificatJa'ana of the Note; and (ii) the per6ocawxx of Aaxwvct's sad tta~ this Secnriry utd the Note. For this pocposc, Sorrawer does hereby mortgage, gsamt and rxsrvey to Lettdat the fa owing dcscr~ed propart)r lacatod in the t:otsaty E~ ~' ~t ~+~! of e! [Name of Recaddega Isai'a~etioo); ~ I+ags~ scsriptioa tletaal>~d Hmrmto au>bd )lads a dart S~ra,ot which catrrmRt~ has the sddne~ oP 601 Losttbar Strait: [sue 1'...wYtt~ ~c~tyl, PemuyMnis 17043 (zip +.~1 c~ °~~ ~ wrrN a<~ ~ it~w~a >~ ~ hem a:~tad ~ ~ ~~. aad an easeateats, tmd saaues now « h~~c a pad ~ ,au • All ~ and additioaa albs)) atw be covtrod ~ this Sax~aity . A11 of the is t~fcrrtad ~ in mi„ t~~t+r-- trio#) Pqa a at -e + ' Farm s~ 110t ~9s~~soa~3 MJ'fI1NM1~F~ R•Q5•AR A\~ r:t IMRFRI AAii1 t~t1NTY . ~ IfISIAP 20065896 • P®ge 3 O{ 82 SO$R WER CQVENANI'S that Haerowet' is lawlftity aeiaed of the atato hereby c~tveyed and has the right to groat cad convey the Property and toot the Property is ~ except for of record. Horrott+er warraet~ cad will defend generally the title ao the Property against all Glaima cad sabJa.t to arty ~ ai'recard. ~~u INS'I'ItUl4iIrNT caaaberaa aniforaa oovtmints ftx national usC and naa^tintEortA COVQfaafa tlmltP.d VaTiaxian5 ~ Jip15~~1 ~ t~tsfimae a ltaifarm 5ectlt#ty ~ tx~vetitsg real lX• tillff RM t:QYENANT5. 1~OlTOVOCr cad Calder covenant and ~ ~ fOttows: 1. P'a of Prlodpol, Itibrast, w Itaaaa, Arag~peeeat Chat~pts. sael Lota . Borrower :pay when doe tfic priacipd ~ cad itttet;eat ae4 tlee debt tvidettaed by t1u Nate and any t~~Y~t end late drargea due rho NoIQ. Baarower aball atao pay funds far Farrow Items pint to 3. Paya>aoaa due tmrler tttie Note and this 5maaity IaditeasenR abaft be mrde in U.S. ottirraAey. H 'ever, if nay ahoolc or othee• readved by LaKtor as under the Nate ~ this Seaerity is rctura~od to Lendd• trgp~itt, Ltatder rosy recmee shot anY or all Ogllefrt ptya~ts due under 2iotc and this Saattity Iat be made iA oaa or more of the fot~avriag fcxvoa, ~ sete~ed by (a) cunt; (b) taooey order; (a; aortif~d chadc, beck arpueexer'a abed or cashie:•a provided nay ouch check is dtswn ~ an iastitrlaon whoae< deposits are iasoted try a federal . inerttturaautttity, or certify; of (d) Bipocroaia Foredo 7:taaafa. pia aces deeaaod received t?y Calder wien saoaivrod at the bcatioa dexig~aced in the Nora er at such other as tray be by Ixede:' ~ saooct')aetae with ffio notice P io 5eotioa 15. Lender may rttmn anY Pty m' ~ P~ if ttte patt~atmt ar ptrtist paynaenits art: aac to brittg 6se aat+ent. Lends rnry sooept nay paymear m t~+l Part 'ciait do brim tla Lnan curre+at, waiver of any tights hereunder or prajeedica tD its rig~ta to nadieaa such p~Y~ or partial payaxnb in futcue, b»t Leetdar is not obligated tcs o~-ty taech paytaeoeta of the fleas a~ paymeota are acxeptod If qsd- Periodic Payaaeat is a~-liOd as of ifs acbe~ded doe dew„ r>:cn Laodar laced not pry inactnst oa fmda. Leader nosy hold each uuappiie~d tLods tacit Hasnovvot makes paytaeat to bring the Loan If Borrower deco oat ~ ro wititin a rasacoabia peud of ctttae, I.aatda ;bdi eidtar apply such futxia tututa theta m Harrower. If not iod earlier, wdt w~ bG apglicd m the ag prtttcipd tntder the Naas immediemety psiot to facedua:re. No ottlyd as daim,wbicit Horrowtr tai~tt have ar is the tlttttra Leod4r' aha11 relieve Barnua~u fro® making pa~emb dne aodcr the Nato the qty lnattamant or performing tht aaveeaats cad a aeeured by his Sorority Instrutnrar-e 2. of Poymaab ar Prasada. ~t as otlrarwiae dascrt~ed in this 5eeti,on 2, all payme~s aacl aped by Letyder stsall be gsplied >a tht feltowiag aadez of purity: {s) interest dne nmler i Note; {tt) priaaipd doe uesda the Nate; {c) amoads dne under SeGtioa 3,. Beech paymeals shalt be to each Periodic payment is the alder is which it beatme duo Any anaouats shall be 6tat us late duargea, sacood to any other amomrtc dtu ueada this Secaortty Instrusaetrt, and then to the priacipect balaoee of fhe None. If removes a payauett from HOtrOWec for p ~ PCtlodie Payment whisk taeludea a ~~~ '~ PaY a-Y ~ age ~, ~ P`Y~ ~Y be applied bo ebe dei~aqueo# psy:aeat amd from to the rapaytuent of the Periodic Payments t~ and to the extent that, each payment can be ~ aw.ir ~.t;(p/~ } pp.s or 14 ~ Faen 909tt tlal ~ 1 ~'SQPGO 76~f m»n»n~ s a•ac•aa~ eR~ - ['d IMRFR{ At,a'I f:l)IlW~!' 1t1it.~ 20afi15696 • Page 4 ~ 22 paid in full, o t~ eacteat that a~sy exeeas exists aAec the paymaat is app€iwmd za the fnA poyatao{t of one or mac Per' Payments, such excess miry be w say isoe doe. Voluntary prepayaxsats shall he applied eo any prepayment and rhea as desar~ed is the Nate. Any of payments, itrsnrancx praaeds, or Mi>eops Proceeds to prisxd~d due sailer the Note not ea:tmd or postpone tht due dote, err change the aarormt, of the Ptariadlc I'ay,asmts, 3. for Escrow Itetoar. Borrower shall pay ~ Laaldr.r on the day Pet~dic Psyareats are due under the N until the Nate is paid in full, a a~mm (the •Funds") to provide ~r payatertt of arnouds duo for: (a) sued a sail older items whidt cwa aettaial priority over this Saatrity Initlrtmsarl as a lies of on the Property: (bj kssahold paysaeaAs or 8*ou0d rants oa the Pretty, if any; (c~ pr~emiruas sary and au i~tatoo+ae required by Lesdta wader seebiem s, arrd (~ Mo;rt~e Iasrsrmce pzeutituns, ~ any, ~ amr sows payable by Borrower to Leader is list of the payment of Mortgage Ia:wrance in aeoordsrree with the pcav~ of Ssatiaa lt}. Thins hams are called "Esomw Items." At 'on or at etry tieae during the icrw of the Lose, Leader nay racpth^a', thlrt Ccraaugaity ,Fees, std Assesarneaah, if any, be escrowed by Barrotwer, sad such dues, fees attd h ba an Escrow Iteru. Bacrovver shall psnatpdy frmslLrh to Lads aA aaeiacs of esaavt~ts io tx paid :thee Berries. Borrower shall pay Leader the Btttrrk fur Eaaaw Rata! unless Leodar vraives Barrowa`s Lo pay the Finads for any err all Escrow Itsars. Leader may waive $arrowar's obiigatioa pay to Lender Fuada for saq+ or aD Escrow Rows at say bate. Arty touch waiver may only be in writing. the event of such wmor, Borro~tvnc shslll pry directly. whar and w~trae ps~bk, tht; anyauats due tbt soy w Items for which payment of Fords has been waived by Linder a®d, if Lettdtx reQdres, shaft fitmish ~ Lader receipts e{9idanceag ~ pryraent withea such time pesyad as Lawlor uty slave. Bacatt~r's 'gsSiorr to atskc such paymlaab sad b pravida :bs~I for ail ~putpotes he deemed to be a co and agrocmeat oorrte~ed is thi+ Secar'ity >nswusswsalt, aati the phnae "oaveaaat and agaemaatt" is used is 'ern 9. If Harawer is obiigabmd to pay Es~R Itel>os direedy, peksttsrst to a waiver, and Hatawer na pry the aatoterA duo filar an Ssc:c+r Item, Loader essay exearaae its right; ualder Sectirnn 9 sz>d pay asooant sail Boaower shill thoa be abbgs#od uotler Barrios 9 to tipsy eo Lander slay such amonaL may revoke the waives as to any or ail E I'bmos at say time by a notics given in accordance SecEioq 1S and, upoxr such ravofdon, Batt+aNrsr shall peg to Lander all Ftrada, sad in such that ere than ralttirod tbdet this Sestina 3. L,esdtr may. at say tints, eolle~ sad hoid Funds iu an amotlmt (a) wt~imt On permit Lender tit apply the Farads tlx time specat'ied cRdar ltESpA, soil (b) sot to exceed ilia mtpti>onum mordant a Loader can require 1tESPA. Leader s3,ail estimate fire asaauot of Finds doe ear the basis of wrralR data sod reaseoable of of future Escrow Isenrs or otherwise in aoaot+daoce with A~licable Law. The F shall be held in mo institnboa whose depodts are insttrod by a federal agency, i ty, or sentry (endadiag Loader, if Leader it sa iatetimtiea whose dcQaaits are se insm+ed) err in airy Fodcrral Lwla Bask. Lando' shall ~ die Fiends to pay tlaG Escrow Itans no Llter than the time speciHad RESPA Leader siraU sot cbatge Barrarvrx $or holding sad applying the Funds, amarsNy aaslyaang .escrow accvent, err verify;ng the Esaraw thins, nalo>Wt Leader pays Barra~ac isttaas< on the Fumda seed le Law permits Leader to mslu such a ~ [Jaiess as amt is aroacle err waiting ° _ rr--- 'a---- - ~- - -- -- say interest carniags oa the Funds. Harrawa- and Linder can agree is wtitirtg, howe+rer, that interest ew.aK ~,~p/W~~ vq.aof+s Fba717~ti t/4t ~c ~ ~~o~s~ ~~~ __ •..~e~nnne, Q.oc•~a n-e t^IIMaiFRI AWI1 {'AUNTY MSt.# 20069°vti98- Pap6 5 of 22 sball be paid a the Fonda. Laxtder :leak give to $otr+owrr, without der as andswl afing of the Funds :a by RESPtL If there a s~ptus of Funds held is etaow, as deter trader 1iI5PA„ Laada allralt seat to Harrower for ratcoss fends in aacatrdenoe with ItBSPA. If there ix a ahortle®e of Feeds ~eitl is escrow, as defined RESI>A, Lender shall notiFy Borrower sa ragttirtd b5' RESPA, earl Burrower shall pry to Lader the aacessrry to nttEe np the shaet+ege is ttvooas~aoc with II;ESPA, but is as more that 12 mos-tbly pat If there is a deScdeacy of I'estds bald m eserow, as defnbod imda R16.RPiA, L~-dtr shall noti$' as ragnired by RFSPA, and Horsowrer shtlE pay tb Laxda`< the smaamt Qe~msarry to make ~ the in aaxord®occ with R£~'A, but is eto mart thou 12 mea~hly patyRtaabt. upon is feu of :tl ~ sacm~ed by Chia Seelsity Itseanematt, Laxdor :bail ptnmpdy reti~ud ~,. Ltasmts. Barronvanr shall pay ail tastes; , Panes, atatl ;~ ai>ribatablc to t~tc Prapetty which caa effete priority ova this Sanity l ktnteitr~ld pttytttettta or graved rraltts 'tht Property, if easy, awl Gaar~mgaiRy ltssocitdiod. Threes, Fees, toad Assstmaads, if sny. To the e~tteert gtat tlxae ltema arcs Escfvw Iternc, Borrower ahnN gq tkem is list tawpnler ptovitilbd is Sracdaa 3. shall pY dhc<~tltge mY ~ vlrhitde tits priority cwa tim 5axua^ity Ia#>t unless Barrawa: (s) agrees in writiaB to the payment of tb~e oblipetion alewred by the lien in a mitaaa aoeeptable to Leader, +puty so long a Bcurotrasc is prrBort>mtg atec#t st+ (b) ooh the lies in good faith by, ar eafeareearent of title ken tall, Pagel. prodesdnast width m Condo's opir~ opaate tp prevaast lira asst of the Ben while those praoee~ags see padding, but only n~i a~ Pe'~~Sa are cagtettrd~ au {e) seesuss from she holdQ of llte lies m agraattesu srlisgtobaty to Laetider 9rlborditetNt+lg the lien tcs Soaasrity IasEr-imeat. If Lander dateemmeat ds~s sny Alert of the Property h sula}elet m a lion which can ' ' pruxity ova thin Secgrily Ia~nsatant, Lmdsr Dray give Berrowa a nacioa itkdti,E~riag the lied. Within l stays afthe date on which ~ mtioa is givrn, Borrower dhall satisfy the lien aT take ease ear afore of the set fart6l sbaavc in this 9a>;iaia 4, Loader regt:ire Bocmw~p' ~ pay a ode-tiaae cltsrge for a red estate tax verificattiaa sudfor reporting used by I.eoefasr in colotaecttoa with this Loam. 3. Pro ittatnrtaite. Beeiotrrer s iaeep tbs iapprcrvsrdrnts sow exitdng ar ha~&ar erected oa the 1?ra~periy ' i~at l0s! by ~ haxdeels t~0iNdEd wdhm the tE'rrlt ~eX~lded " sad say OthQ hsae~s bud eat litaifed tp, add { for is#:ich Leaxia [egdA+eK ir~otx. This ins t6:li be uw>r:fa~ed is ~ amanoRS (indddrag dodoctil~ Iavds) seal far dts paaioals that Laxsdtr raggir What Leader . >Q #ha: proaodsseg ~ gets dtetiietg the teem of the Losa7, ia~anoe carrier pcavidang the iawetanoo ab>tll be chosen by Ha~wer sub,)ect m Lender's rust no Borrower's choice, right e91aII dot !se exercised unretsasedsly. leodcr arty rcgnirc to pay, in eometxiaa with this Lam, either: (a) a oaa-title r~tt~rge fer flood none dam, lxebffaldan sad ttaeiurag samrvicea; ar (b) a otto-time cbtrge: for Sood mete deta~atieatiota sad tsa'vitscs and st>l~segttaslt asach tisrte arpmsppiatga ox similar chelo~me Qaxmr whids reaaooabiy stloct sorb deter~a ao• oexrtifraEiote. Borcaaart shag oho tit: raspeesa'ble for the payaa~ of &es iatposed by the Fedaal Fm~scy Msnsgart AgatCy itt coaatoelioa vim the review of easy xoae dotermiaation reauttiug 6rom as abja>dion by Barrvwar. ~!~/-l coa~t~ wp.emas 4 , {vr ~fgs~'r~so~~~. mnnrm~~ a•a~•ar, sea CL}MBERLANO COUNTY ti~ Fbaa la3a 1101 Inst# 2006156$6 - Asps H of Z2 if Horro fins to ma~iapr- ray of the coverages dasext'bed aboME, Leeeda mry obtain iaarsnct coverage, at s option and Bo:rower'a Lmdnr is etodrr ao obliga~et to pttsshme any parti~ttiar ar aasoaat of cavayege. 'Iba~efex+e, such eovas~e shtell Dover Lroder, Bert might or migbs not pe+ot+ect , 8cxrowds ogaisy m the Property, m the ootetaats of the ~''oPn'tY, e5' ~, harard or >ity turd might. provide: greenlet etc lacer ouvatrge tit was proviottaty is elgxt. Baerowa adraeswtadges 16at ~e sort of the irtairaetoe covee~e so abtaiocd might ~Y earogod dte cost of insnremao tart could hive obtained. Amy sraottott ~sbttrsed by Lesuder teeter this 9ectiort S a6adl bex^oeae debt of 13ocrower secared by thia< Security . Thaee aaavaNs sht~ bear interest er flee Kota IItim the date of disbmsexnam- and shall bo payable, with such iatatnst, apoa ttaritac from Le~det to rcgne~etireg payz-amt- Ali ' poticiss rexluirod by Leaeer earl reae:wwrls of such potieiss shalt be snb~ to Lender's right to ove sock policies, ahdl iaebude a stanebrd maR~ c,Ituie, earl ahsN WRea Lender as tuorfg~e err at an adelitionsl bas pays. Imder >t>~l bravo the tigit tin hetld ~e polidas sad rrsTe-val obes, I Letder retptira, Borroverr ahail prorupdy glue: to Leader ~ ret~s of pte~ pram and resuant rf obtaim nay faun of itutrraore- arv::~- toot odtetrrvise raq~d by Leader, fior dseeta®e or destire>Qioa of, the Prapetty, latch peSiey shag ~tde a sfendard olaaae sad shalt mime as raortgsgee and/or ~ as addhiaatd loss paye. ite due of tom, linrrerwea shall give prot~tt ndice to the iata~a cotrkc' ttad Lades I.eatdar may t~alce f of toss if acct aarda Pr~Y try Hasrower, Uniiees Leader earl Hamovex o~iae agree is writitt~, inaaeaaca paoaaods, rv6ether or nW the aardmt3yhtg imtnesaoe w#s raluaod Leader, ~ be appiietd m setaratioa ac repair of the Property, if Sue ralosruiaa or trpsdr is eaa~Y liauebk aced Cedar's is ttat leaa+ned. During Batch raptdr turd tsslortt~ivn period, ~.etedrr staff here the right to hold stedt pcvcads tmtit Leader Ins bad a ~' bu ittspeet sack P'ropesty to e~nnatlee work has campleeed to Cedar's , P Burt each iaspectian abaft be ~ promptllr, may disburse proceeds Sx t>se regtsits rod tekotaoian is a aiagte psyma4t err is a aarie,~ of pro~ross as the work is owed. Unlears as is teade is write m bte Law rex ' 'tv be psh! m Beech i>ustrmee pocaads, Leander tltati oat ba ragodrmd bo pery 13orsoYrrr say interest or vn such proooads. Furs for prb~k ae~tstsars, or other shed perm. relrtiood by Baraaar ncu be: paid Drat o[ tb,c imetraace peooteeds seed atoll be the sok obti~tioa cf I9e~rrarov~or. if the: restesatioa err repair is nd ecooosmadty >s~e tx Leader's stu~arity world bs lesaeaoel, Sec proexeds shalt be applied m the svues saoeQed by Sarericty Le~tumeat, whew or twit'tlisn dteet, with flue tatcttss, ie ,Paid bo 13atre~vvex, Such itntteaeeoe prooeetia ~ be applied in flu order 1xe"+'~ for in Seoctioa~ 2. if Burro abandons the Pmpesrty, Leader mery 1~ aegotiWe earl sstl~Ue any avaiiab~ eawtraaex claim earl ertCbers. if HarroWrer does ad respond trii8lia 3Q days to a notice 8rom Leatder tint the aossttrs®eoo has offased to Bettie a ch'sn, Suo4 Lander may a~atiaee stud stsltk tite alairi. 'iLa 30-dsy period aeitt wtmn the notice is given. Lt ohttar Brant, err if CmdTrr acQtiae the Phtagetrty wader Sagioa 22 oe lrtherrvise, Ifarrawer hereby amegtu to LeaadaC (a} 8ort+ower's ruts to nay ia~aax proceods in m amt not to eacsxed flu amounts napsid peeler the Note ot• th#s Saateity 7hsavment, and {b} any otluar 1F Boerower'a rights (Debar than shs z 1o ear rellpDd of aasaraad pew paid by Hetrrowa) aA itse~raaace policies eovrsiag the Prapetty. insofar m such rights ate ebl~c to the ~a'~ of Prapacty. Lender may ten eha ittaeaooe ptesaea~s eiSser tQ rapdr a res#~ee+e the Property a ~~ P.v. r d u a~nrar~ J Fo~tt liili T1ot ~~„ A~~S~~F ou n iMaFa~ ANn ~.~ inst.teaoostss~ - Page ~ of Y1 j 6. paatc~. t3urowtx shill occupy, ~abliah, and. over; the Property as Battvwer's principal residence wi 60 days aotbox the expartiort of ibis 9ocsaity lasaruwea~t and chap eootiane o0 oocapy the Property ~ war's principal residence far ~ trust ooe year a&er the dale of ocxsipaacy, ~atkse lender otherwise acs in +rvritir-g, which coasmt shall tqt be ucnxasooabty withietd, err un~s extemaoting i circtaoostaa exist which ar+e beyond Berrowrr'8 oordrot. Z Mrtfatsosau+e stgd lra~tisrt at tt~ Prnitaety; ha~ow~ $atsowcr shalt root destroy, or impamr thcs Property, atlaw the Prnpecty to. dabxiartrtc or aoaasrit wease on tlx ', Property. or nat Bottawer is rtsidit;g in the Prope=rty, Bareryrar stall n~ain4oioa lie PreQcaty in ardtr to the Property from dderiaendizeg or docraaaing in vabre doer io its condition. Unl~ it is detoar'miaed to Section S that rcpat a rtataratiott is sot oooeaoarically fa~le- Hcrrtrtra drat! ', promptly r the Propexty if to avoid &~a ati0o or dtetrte~. If toe or proceoda are paid in comrectioa wieth damoja to, or file tal<bag o~ tier Praparty, Bartecoerer shat!. be 'btu for repesiring err restoring t5e 3' only if Lcexler has rdr~sed fat such pucpeses. may dicbtrrae proetects foc die rapsirs asd reatoratian in a sew payimen4 or ist a toeries of prows sa tie vaork is . If fhe iasoraaoa or won pr+ocecdet arc not arl~eie~t. to repair or the Property, t'JOxt'ovwer is not relieved of )3ormwer's obligation for the caaop>rdian of stuffs repair raeroratioa. I.eadcr or its agerst mry mete rsaaoaabte entries upon and inspeetloar of the Fr+a-peity. If it leas reasonable Lessder msy inalrec3 the interior of We aaprovepaards oa lire Pmporty. Lac-dar tohdl give Barrawer ' ' at the time of err prior to stsc6 errs interior >ipeeiij-iag a~ r+aaeannhieaaas. . & Ba s I~etatit ~ Bfiez+DWer tohsN bo in dsfmk if, daring file Lauver a~plicatdon process, or say payaaa or entities #cting st the duetgion of Bsarower or wilt Barrowar's knowledge ooaserst gave noa~esially fslae, atiaisndia~ or inaocarsose inibrmetiott ar dafaemaots to Larniar (~ tbikcl provide Lender with msttxial iafarm~on) itr cxsvaocaon with tbee t.,om t+<sateriat repraseos~i include, but are not limited to, represe~tio®s BaIIOVVar's a~tpaeecy of the property at principal residence. ai Leeerrlar's taeM.,rs~t ~ t6a lrKnrty attd [Ttstier ~ ssoarlr~ lrattrtewrsn~ if (a) Borrower 4ila to perform the s~venaars and yrepmeeta oaaotaiaad in tlrrs y tasar+anmt, (b) there is a kgxl. that saigi>t +~~Y afi~oet L.txssles's itstane>st in the Praparty ar>aFa~ ri~C tnxkr this 5ecx+rity {sncb as a ~ in may, perobatr.. for won ~ fac6aibrre, for enfrueaaoaat uet' a iica which mry attain priority over this Soctarity InabnaQrarlt err to Moos or regulations), ar {c) 8aart~owat has abandoned tits Property; ttsen Leeadear leery do aaul pal for . is reaaorsabte ap~rs~tiate b protect I,eadm's interest itt tiro Prapatty and. righisr, ender ilia Sacta<ity last~ttmraot. ' prcRO~ag and/or the valve of tlu Property, sad sacor~ aadlar rsprmring the property. Lender's actions can i~tade, but arc not lioosited ~ {a) tery~B any srsms >aacut+ed by s ilia which has over this Soesstity facarwmeat; {b) sppaarigg in oe~ sad {c) pokyia~ resoaor>Able aaorneys' 'm protect its intenst in the Property aadlor rights ender ttia saauily Inatralaataot, iaettilrediag • its soc~ed ition in a baatotsptrsy yrooo~odipg. Seotring- tiaoe >~ropeety indeda:, brit it taor ti+atitecl ter, eateriag me to naive reptehcs, locks, nptaee ~ hoard nP doers sari t+rhdpsvti, dt~ttitt water fro>as pipe:, iariaate butidis~ err ot>err code viohdio~ err arid haul utilities turned undo say or obligaiiors m do so. It is agreed that Lender incurs m liability tot not talcitog eery or all acxioas undo tbia 5a~ian 9. ~rr~r ~~~ ~•ap•,S) {sasx~ r„a.. a w ~ s Fawn l~f0 1Mi t>A ~ ~ ~ t-t} Q ~ ~:~ n~rru~nn~i O•hK•AR Ati ~~ ~ P'.116iRFRl A1Jn f:ri11NTY lrlat.or 2ooe19~98 - Persia 8 of 22 Any dixbrtrsed by Lem ~ this Sa~tion 9 shdt beoootle additiotttt dtdrt of Htrrrower secures} by Soctrrity Irr~ent. 't'hese aesaoesats shall boar interact at the Nate race 23naa retie date of cad shah be payable, with such irrtarest, upon notice firona I,eoder to Hartowex regaasting Payer if this ty Iasttvmexrt is on a lease5old, Hor~owrs shalt eompty with alt the praviaioas of the tee Iii aceltrires fee title do the Ptop~eriy, cue taosebw,id sad tiu Bees title steal! not merge rlalexs Leader to the margess is writ&lg. 10. iamr~ ff Lander rexgrhod Mottle Lo:vrtmcx as a cosrditioa of g the Loan, Barroww laY ~ P raged to n~ddsia flee lrtartgsec lmtutlaao is dffitt. Ity 'test mY ~e orrvear~e raguirod by Lander exasea te} hxe:_svaileMe team ffia at~oot#gt~ insurer that such ins»rsace sdd Hesrrawes vn~s ratuirod w -ttdoe seamy did payments torov~ ud ~ for Moet~e lasuraaoe, Baron shad psy tbo pspo rogeaaod to obtain coverage ly exptivatemt to the M toe pravlaasty itt effect; at a exrat qty egaivakot ;due e~s# to Hertowes' of the btlsruuo~ iy is effect, 8roan as alternate sbteoeed ay Leader, ff malty egaiwleet Insutsscx is not rvrigt~ wa shall oos-tiaaa b pay to Linder the trmo~aot taf else seprrtl6aty Payer ~ were dlse 15e imwrsr+rx coverage coped te? lee la e!lbet. t.aatloc wlil aeoept, ttse and r+slria these paymauta :: ~ bk loss retrace is lien o£ ~ loss t+aeerwe s6a11 be: aoa- notwithstanding the fact trust flea t.osrr is Wtima#s!y paid itt ~- and Lersder shalt rwt be rogttired to Botmwer ury i or eaQispts on tstoh loss reserves Loader em no laio~rr tasga~s lap reuerve if Martpsge can+arslpa (in the atstrwut arW t6t flee period that Leoda' requinres) provided by isepre: seto~od by Leads ~ beooass! availwbk, is e>~ritted, and Lender se:}raraoely paymeab toward $te psestdsoms foss Morlpga Ise. If t.eodetir oegsrir+sd Mortgage tnsru~auex as :# canditian of the Lore find Barerwa rvn relcc~ttit:xl to rrteise sepataW~' desrpstcd paymesRs thG Sot Matpes , Hesrmw~ee shat) pay flee peearlpoMSes m nraidaisa M ' Iasmarseo isr e~oct* or to prervida a noes-sris bss na~wo, Cinder's refit MarEgage: Iasarrnoce wads itt aceetdaooo: w#th anX wsripaa yr!leossnt isaltsuart Halaower and Leaelex Snr sack t~rmimKon or oadl tetmiaatian ~:aet~irud by ~~ Law. Nodd+tg itt dsis 5ectian 10 Batro~wet's obl:~ton to p~ ~ rte the rats provided sa ffie I1t+tc. ,tit Iissasrarsee reilosbnrses Lexda (esr any mlity that paehaset the Kota) far scenes toaea it may iacrsr ' arrowtr does nvt repay the Loan as acad. Harrower is not a party ba thee Mortgage Instsrrstcx. M irtsutbra e:valaate their toAsl-risk cs4 ><ll sach insutsaroe k force i~ tune to time, sad msy eater irsto with otherr parties that sbsra en ~ tislt, or redssce loan. 't'hese sgrasareats arc on esouditiorrs that are 7'to the tssu~s{e iafertar tad the oth~x patty (or patties} to there 't>~ese agr~ipenht rrrny rexrsnrs the me~ye rraso~- to nalke psyeueaots ~ ffiY swuxx of rsbrtgsge i»sarrr rtry Lave avaiLble (which may ioctucte feed: obMioad Smm MacRgage Itutsr~sa }. Asa of iisess+a a Leatder, a~- pprchaoer of rtes Nate, sss~ber inst><'~ar, any renosprar, eay other , or eery a~liate of say at'th~ ~~ may resceave (eliceetly ex indite4tly) thee dative 6vnt 4r migfrt be clmracterimed as) a petuion >3arrosser's p for ~ Int~e>e, is cxchtmHe :rhaina or maeiiflrin; the esaartgsge insurds risk„ at rah>oiud losses. If roach agreaernerst provides last s8ltiate of Lender takes a sisare of the irs~s ristC in torcJmrolyc Ear s shat of the pramu~s to Ilse iasmrr. the is oaten teomod "esspdve reiasatoa4a" Ftuflrer: -_ - Cn) j said! agretsscrsb_ rtdil oad tlAfsct llte aMssitrdr tl;tlslt HorrawNr 6aa a~ssi b gay far l~l,rrr+rwer +trNl erlva fi+r ~~AI ~ Irs~stte, Awed ~'9 rrlg wt ssttiele Hstrrwre~r ant arty relltusd. ~ ~~~ ao. r or a F'orr:t !!3! 11!11 ~~~~ ' i . _.._. n-rr~nrni s o.oG~~a A~~ ~f :1 fNRFii! Ald[1 rM INTY If15t.A 200615696 - Pdg119 Of 22 (b) Auy sacs a~rsmtmts trW tset akftid file d~ Hsarrurtar iuiu - if atq - t3ttlt rat b t8e Me wider t6ie IIitHOwetrnets Prrttae~nu Act d t,!!t sa arwy atittic MME. ~'IrM1s tuts acaT~ !~~ ~4 rl~ht ~a riacdve +~erta~i~t ~ br eft twi ~hla aeon~Mt~MI~ at tke to ham the Mrw~rp- ~11rp~lttlert hr'Jt11N111d stttf+l'. attd~tlr ha r+Aerlt~! p refsmd ~ lViart~e ~srhst~e p1'lYllMt~ fist Crete rrsrsned at fire three K strclt ~ or ~. IL t a[ lM8ameW-reeas Proceeds; Feefdtare. All Misee€6m~e0ns Prooveda era hereby assihrxd ib ' s~di be paid to Lenda~. if the is daaasFed, ancK Miscriiaeeoru Prooeac~s shall tso to ~ ar repay of the Properly, ~, #x restatatian of toprir is eoottota~llr fosiibk and Lendai's saaartty it not lessaxrl. stieh at-d rectoratiai. period, Meatier shs~ laavt tittr cigitt to hold srteh l~~ Proceeds ~~~ ird m oppartaaity to iospeat st-di Ptagekiy fa ensure the wtrrk ~ beak bo Leadat'a provided that sacfk insp~Cq s1kaR be ~ prwr~tly. LeAtkr ~ pay far the repairs arid in s siw~a d~ a in a series of P~ ~agmeota as 11te warlc ie oos~eeed. U au agraesp~nt is made In or Appiiaaltb Lra+v regtdrea interest to be paid as sech M' ~retoeeds, T.EadAr sbsdl not ba , m par Haesvwws~ itdat+est oe arty as .such f'raaoats. Tf the ~ a tut eaoaora~dir tta ar L~stdtr's Y aartld be leaeseoed, Misoalhmootta Ptoeecib sbdt be sQ~lied eo the arsox saaared a9 Ilri Sacarily bArlreanent, whether ar then due, wish the exee~, if eery, paid to Barmsrer. 9nds Misoe[isneotts PJroceods alsall be applied itt tk~o atdcr P for is Soctiaon 2. Ice flee of a total tail. de~Noa, a lost is value of thewopeitty, the Mieoolbmeatia Proeaotts be applied m the sums saatod by thin Seavrity I etft~er or cat t}~ea eke, wfh fire ex~oma, if , paid m Hatrr~vm~. In the of a partitl ts±loi~, datrcotimt, or loss in vahte of the Ptopeity hz i the ftwr tnrrlat value of the ~Y beiiire the pt~iat ttiti~, desRkroc~an, or toes in valaa ~ agars m ~ > of dro sacns socurod by this Sooaritr Instrpaseitt ~rmwa~tety bc't8se the par[ist or lase irs value, eala~ Z~crr+orsek' aced Leader athervvise a,8rae is vrtittey. the sums saemced by Y t shall be :oduoed by file amooat of ~ MiseeltaMisora Proceeds ~ ~ito~ fa} dke ta41 .moat of the carne sacored y ba6are the parted ; dasera~ian, ar Lora in vaiac divtdod bi' {b) the ~ en.rlaet vethra of rice Pra~pety illy the pettitd tdcinB. dgtrnctioa, or Iola in vr~. ~ bahtrioe abail be paid m &xra~rrr. In the of a pertia# ~, dest:actioa, or lose irk valise a€tb~e Prape~ty is rrhieh the 6eyr tr-selaat value of the be6ore the psetial is , a: tam is val+oe' is iris thin the ansaurri of soegred tmmedia~dy be6or+e the p~rtisi tririag, deWnatiiao, or taw In rdge, tskiess Borrouror 1 ot>urwise agree m wxt~ the Misodl~ekaoas Protxxdc steal! be applied m the stuns saaared by ' ;5aaaitr pmt vrhadsar or not tike state aoa then duke. V the is ahsotionod h'Y Barot+rcr, ar if, afbor aotioe by LazLder m HcoR~vraa that rise nB {ss deFiaa! i0 fire aieut saateaca) otBers b melee ark award W sssttla a ct~ far damiaaes, Bccrotvt't 1bo respaad to Leader aiitl3irk 3Q dsya after like drte fire malice is given, I~der is erFhorimed m oniloat ~y tike ~ Procsa+da debar b :eNoradon or rapsir a! fix Antparly ar m the sums semared tbia fly Ia~rtusrrat, vrhathor or eat thaadace. "i Early' maars ttta tt~d party that m4es Micoa~otn Prooeods air tba patty agta~at ~ Barrawa has a rZgtrt of action iA re~trd fo .oeaus isirooeeds. . shall be is dettmtl if any action o[ whether cavil or caiminal, is begun that, in Candor's _ oadd result hk fatfaitart; of a~r other mst+erial of Lea~dar's iw ~ med. relmiasa as provided in Section 14, by cxwmg the action ~ proceeding m be rua.,~ ; jL.L ~~~1 rte. to a ss ~ Fwm 30le t181 t71k ~ 3 ~~, ~ t" lj ~~~ i nainn nna. o.oe.er ~~~ --~ rI I~AAFRI 6N[I MIINTY ~~ ~ sf~C#2oaotssos-PaLIC 40 of'.72 diswisaed a ruling that, is Leseda's ;admit, prtchades for!adnre of the PsaPatyr ar oths mstoriai impgrm~at ''.Linda's interest m the Property or rig6ds uedat this Sacnr3ty intdtmtsent. 1'he praooatis of ~ ar ~m ~ ~ to the aapsarmeat of Leader s i~orest in the Propmty AlE Proceeds that are not applied to restassti,ori or rtpair of the Property shall ba appl{od in orrlar pmvidad for in Sation Z. 1L Not A+efateei; Fla ]~ Eerier Nat a Wsh~ee: E~a4aeuion of tlae titae &~ >m~- 8ucoasar iA last of Batrasver twit apete tbwE>r~~ ~Haisa~-vcr cr asp im lntrxrat of 8c:rawa. Lmdes abatE sot be to cottttuerax P aoiaat sny ' in Izmaest of 8urraarer or W tntfrse to extesd time tlx psyieae>Ilt sec olhawise modify emort~Y~aa >r tb~e :mom saettred by this Saatrity Iosttnrssce by nesoet of any dar;tatd mode by rite Bacranr~a or Ssooaaaare in Interact of Hocrowa. Atry• ~ by Ler~ is mcp+cppie~ any or remedy - ~, wirthqut ~, t,eadsr's acoeptaoce of payeolerots t'~ turd perfoos, etttidies or Snooeseors in of Barttrvvar at io aelootttis less Pogo ~e smoort tlmu doe, shag not br: a waivia of or prealsaek •the of any ciphi ar remedy. 13. i sad tisvcrd i~tbi~; Rtroasswrs eNti Agad. Boo~atendr covaa~ats aril sgraes itoiarooaeet's altiicrs aad~~~ei di~lt tie joart cord sav+ad. Hoer, m1- Bcr~ta wiw co~:ig~C dais tY truldrrmmt bud does axrt eaaoode the Note {a °oo-sigsoer"): (a) is' co-p~-g this Scarcity i only m giast soil oartey the ao-ai;Bset's in0~eest in the Property order the tettns of (6j u not pentorae~ttq a>iyaMe>fd >a Pq+ the somlt clown ire by this 3ooe~itj- instrarora~ (aj agtea that Lcrawlsr soil any ofbsr Burtrntar m spate ter ettNsd, , 8asbeeur ar m with re~srd to ltae ferrate of his S~oattity I ar the Nate withoa~t rise -the provision of Section l6~ any Saaxasor is •lnieretef of Bort~ower who asasmes BorxaKCx's- miler this Sanity iostiramerst frs writfse~, and is eppr+yvod by Leasier, shall obtain ail of s tuts and bawe8ts ardor this Saoarity ~. Hates shalt cot be reiaeosd from Bc:rosver's and liability tmdsr ttdt 89 ~rrtsod ooieees Lesdlmr s~raos tc- aoch trim iu writing: The waves sail of dais 5le>mrity Instrtmsst ahslE bitad (n'pept as provided itt Section 2t)) hseiee33t tba :oaasan~s and sstryre of 1~. Leads sag' eiurSC $art+o~nar Goes &+r saviaes p to oooatackion with Batrorlr~ar's fbr the parpasa ao< Lardd't irtareet in the Pt ~i~amd t{r~tb~ tatadvc tEais Seaeity . bat sat 1c, 1ixs. Prop~Y` grad vsihlation tees. in rega>nt to oiler Goes, the ab~aeooe of atp[as is tisie Y ~SUmt b ~ a specific bee tee shall sot be cmefrwd as a prow m the ~r~iteg ~ stab five. L cadet... et>I,y tact chtage foeej tisat arc ~roirileioud by dais ' I~t ar by AppifCatele Law. , If the is aubfaot m a law wlieh cats >nrtisrorm 3gan d6eegesr and tlstu law tc thasily iaterpeeebed ao that the ' co< aBta roan ~ oet~oc4sd a r© ba ~ in oaesnectloo with the Bosse eauxcd the permitted ffica: (a) any loan dfecpla shell .6o reRleltarld by the esaast Ira rerir+x the checgt* m the - limit; acrd (ls) any sums .ks.dy caAacred t~aa+l ~ w11~h atgaeded paa~ttod limits will to Harrower. Leodar ttisy choose b mako this retTsnd by nedscootg 8rc pcincq~xi owed ender 1!ioCa ac by a direct paysamt to Borro+iva. if a rat6ld roduaeR pruae~al, tho rodoatiosa Ibo treated as s p.rtW taraQayaeatt wiWoot aas- ~epay~t ah~o (wb~ec' or sot a prepaylnerd ' ga it provided for ondei tine I+~to). BaeateMnexas aoae~hmve of eay socl- >ttdrpod made by direlret. _ ~ Barrows wilE cote a wawa of swpr right of actioc Porraw~er might iawc ariaaeog ovt 13. Ali notiins gives by Barrowsr or Lettda im casnttsr~ with this 5oa'rity ies~ramcat Est be in , My aotitx ifl Harorvcr is caeaectiaa wiBa this 5aao~ity ImMeammat she!! be daeoaed to ~w~~ r~.atPly ro~:> Ra•,~ ~ Is Fan. aom trot ~c ~ ~~a~~o~~~ t ra~rxirx~it a•u-aR ntit C:IIMRFRIAND~:OUM'Y i~t# 200615696 - Pege 11 of 22 have tse~ 'vex! to i3ptrswer v~en nntiled by first c3aas >nsii ar when acpiatly delivered to BarrowtY's :~~ le seat by other means. xotic~e to aeg- one aattow~er r~ ooaadtata rtexicx ~ ~ ~ >,~ ~ Law ex)preaaty ~«~ . The natloe ~. ,h.31 ~ ~ fraparty Address ~~ ~ aoeip~dod n ~ aotioe .ddt+ac ~ ~ ~ l.a~er. Aacroarer shau llx of Boirowor' a of . ~f Letader apaoifua . for Barrorat" s of then Borrovrrr shall oply report a of addraa t6ts~tt that apaa~iad provedsuta. 'There mxq ' aaly ~ ~ natieae addreee attdex +~ ~ at ffiy Date time. Any a~ to ~ be l~ by deiivecitig ~ a ~ m~ing it by ~u dean atdl to L.aodar's address stated uaiiesa Leader ~.. desigasted eaofhea address by a to Borrow~ec. Asty estpoe in caemactisn ~ se~.;ty c ~.n ~t ~e a~ m ~ ~ ~ arm ~.lly ~raa ty ' . Yf eay nodcc rogaked by thls Se~rity ;:.~ rarp>lrad ~ ~ Law, ~ Law roquriretnatt wilt ~y the ~ raptirrment noder this secarity ~~. i.t-w; setRertdtiltty'; ~. of ~~.r~.r. T1tis Security aort< shall be govamod fedaai iesv and the law of the jntiedstcteoa ip rai>ich the Pro~peety is faceted.. All rigitts artd itZ tins SeanYty Ipatreenemt are aobjeot m aqv rogttircmesela sad S of A~lidsler . Ayspticabte Law ntlght e~llicti@y or isoj- slaw 1t~ p~iea oa free by cot~leset a it be brttt a~ sl~oa sltsll nst be gonti0ntal as a Rols~tian apiast >r~oeaaont bl- aaeid~t- In dte event any grovisian ~ clatae of tfris Se~eatrity htat+eamaat or the I+k~ba oao~t welt A~ Law, swrlt alai! not a~act oche; ~r+ovisioos of this Seaarity in~meat ~ ttte Nona valich cm be glvaa the coo$ietbg p- Aa ' in this Security fas~ut~ (a) wards of tfm maacat!®e grodar sLail et>ette and inelnde oorr 'neuter words or vvotds of the ftxt-iesirx 1 (b) welds is the siaguGr s6ail moan and incipde the ltzttl end vice versa; end (c) fire word "may" gkves sole ~scratioa without any t>td~eiion to take say 1T. s C~ . Barowa abell be ~ivaa one copy of ttte Note auf of this Security lit. 18. of den lt+eperty ~ a H~Y~dai ~aetist lie Basrirwer. As mad ip this 1$, "Iatet+eat itt 1'rsperty" ttreturn etgr ~ a baem6ciat iatnrast in the Pretparty, but eat lia~6ed ta, those iertemts treasFexred. is a bawd for decd, catstieae# £or deed, ~ a>~s aoetrad or atcrour the iatmt of which is the transfer o[tide by Aoemroret at a iluuua debt to a Pte. If :1f #ay part of the Property ~ any lttoaract is the y is ask! sr tresH~rsed (ar if f~aesrotiver is not a pesssn and a 'bet>QBiolel iti Harrower is add or tre~rod) wflhottt feodmr's prig written ~ Lender may refire immodirete payment ht mtl of all :vma aoaucad by tbds seanYty tnstruuac~. , this option shall net be Wised by Lextder if arch eacea~aiae is proh~itnd by Appittnbfe if acrr~sm this option, Lunde! shall give Harrower n of aor:clerateoa 'fhc shall provide a of not less titan 30 days fr+am the date the moot is given en aocordattoe weds 9actiael 15 wit~an Borrawa nwst pay ell eu:aa saom+ad by t!m Secarlty fngraptaus; if eaey+avrar tldls to pay titeae ~ to the expiratisn of thin period, Candor mgr iavgke spy remedies by this Security wit6oot father notice; or depaod oa fioatwver. 1!. s Rtght b i~alttslat+a AMc A~aaiaeatlu. If Borrower meets aarEam eaaditiona, Borrower Dave ttu ng~ to have aafeeeamRltt o[ this Sacarity Tastrntnent diaaoaRiewed at a~+ lima pr~r to the liaet oP, (aj fivt days ba~orp a~aia of the Ptopsrty purm~t tc sty pares oP seta aoertraaad in this tmCnstnent; (b) svdt other period es Appliwbtie Law might sperm $er fife tesxt of Borrower's '~ to remmbe; or (c) eeslry of 4, jod~aeest ' thia_ 9essrity 1t~meatt. Those Instrpeneot s~ the xote as if no wcxdaatiop tad ooc~embd; (b) Darns any detiutit of asry albs: eow~ o~ A _~',Y as w t s ~rnu Fore sore ~'~ a'~T'"`~ t'•a• ~ 4fa1 ~tf9~OP&Q77 __ a _.__ 2 ~tnnvsn4. n,nc.~i• A4~ ~• r~ttJRFR~ aRlh rn~uJrv .- ~ lost.#200615896-Pane /Z Of 22 r- ~ {f) l~ ~ iec~>rred ~ B ~ ~Y ~~~~ ~ bal mat limitod to, attorneys' fees, property iltspoatioa and valmrtioa fmcs, mad other fee iraattrad for thzs inspwe of Lemda~'s imtlxast in the i'rvperty aad ridtgt ender ibis Seo~ty grad (d) tmkes sttcb ~ taeiry Y regnae ~ ems thtt Lender's itttastett in We phi+cpaety amtl zi~hts t1aia Y instrumeet, end Borrower's to pay tike same secltred by dais Se~auity last~ttarK, c~oatioate zmc6t~ed. Lan<lar nzry r~ llaet Horroparer pay such saie~erreeattrt ~ aed ~! of ta>e ~. ~ >~ Leradcr: {a «~: t~) ~; c~) art~ad beealc a+er~aerrrs ~ err t~iere ~, prczvidad any ~ dredc is drawn ypon ~~ ~ whose tkpoaits aro insaeAed by t falerat nom' err nr {d) • l1pOR rlaot aY ilurrtrw~er, s)ds 9eocar~y li+wt~+a2 and a~blyetioos seofmred hrxeby shell et!~edirc u if tw aeaiaratiua lard oocmrred, Hvwnver, this r~ht ao raia~e shell nat apply is the of eooaicratlon masdsr Ser~iarQ 18. 2!. . et C ~ ~ LasAtt Set'vieer, Netl~ ,[ Crfasaoe. ~ Note err s pts3id ireoarost in the Dote { with thi>< Y Ivetrumeat) can ha sold one or more ti~aeexi withant prior zzatisae to Bcrrowrr. lease renalt is a ~ in dto sl~ity {lmowtr as the 'S.otu~ SaViatr") ~ aoilnrxa; Periodic dne tgrder the Noto acrd t~s ' taeMrautmd road paritaua other martpge loan 8 timer tho 1'doltti, the Seearitp leuteaoarret~ sod Ap~aliotible Law. There also be one or more of the Loin Sarvis>w msntia6ed to a eak of the 1Vohs. I! there is s obrayle of the Lazy Servicxr, wilt be givsa writlm notice of ti,e ~ whidt will stale tlra mematc a+nd sdd~ of fhc new Loci .tilde addeaes to }Rhich payrenpnls tltOdid bie reeds sad eery other iaibtlmrti~la RE81+A znquiroit in wfth a notice a! ttagt~9r oe eaviaisg ff tie! Note is raid sad t>rarae®er the Lora iai teatviteod by Serviz:es other three the pnr+rdap~ of lha Nvta, ties sroe~e loan ti to Harcawer remrm with the Lap 3ervitxr a ~ ltd m a st~nor L+oaa~ Sexvicea atad tae sot easi~od by Nola ' colas otbatwiaa praNided bT the ?state Nor nor Lettdar tnRY J0. +~ bt: 3~ acaiou (as eitlfor as ir>divitlal or the mtseber o! a doss) ~ arises Sort the albeit peety's action Ptsrstre~ to this Saea~+ err that alleges that the other paeiy lets hetatdrod ate<y ptiaer af, or say duly oweed hY reason ~ ; ~ocuw<it~ Tnst:mmaot„ nadl taaeh Haex~owwr or Larder 6es nwQtad Bee other iP~Y (with such tuatitx givesi waerpltsnoe with ibe tgara of 3eotiaa 1S) o€ Seale atle~d hreacit and a1!16e~dod thr othtar periy t a+seeoaeble period asAer the $i11ht~ of such nodex to ftilrt: aarramvs acxim. If Appiic~sbla pcoviaiee s time period which moat ehp! bdara oextpn aotiott caa be tsiea, that tuna period will tlmema~d to be ccealmbiQ far p~ a[ ffiis 71re Hotline at ~ arld aptaoetuaity cure ~lvm to Saat+owrr pttze>~t to Seoliarr 2Z sad the ma>tioe of given to $ar real to ~ootion 18 shah bo deeoaad as tatisty fire notice Brad oppora~iry to lobe oorcedive alt of tlaiai Saxioa ?A. 21. Sttbe~teraew~ As alai its this Setitian 21: (t) "liaaartitans 8ubeteoca~" are those su>aetam~eat rs mxio err haar+dotts szzbssaoooc, , mr werdsat by P.rtwifroiaute~plt Lew end the i ' IptoBar, lcertleeae, other liaaamtble a toxie paEroteem petarizds, tootle sad kilo eolvads, aWlomriti4 canq~ aabttseos or fatneddchyde, estl rsrlia~aiw mi~eeials; (b) ~'" nave fedmal ~ {erf rtre jaried&>Eioa w~h~~~i: ioueted that rdsita to or eowiroenttesttei e} Fav~oamavAid aey cearfronse action, or tewat~~l Sadao, a: tlei~etl its Bmrirvmeaplrt Lerw; tad (d) as "E Conditiczza" a cbnditiiaez eh,a caa csa:e, to, yr otherwise trig~pr an Erzviraaenerrtel ~Ty Pap 1! d f! ~flarl ~ tlal ~Sa~Sa~13 __ ... n7 MAMl/~•11 Q•ac-iR nu ~ ~. (`.E gdF~Rl AND C,AUN7Y in6tt~ 200615896 -?age 13 of 22 12. Aa Han+swsr'sf Hsss,asrar a flue dattwlt ~sft6e: ius/ flits ry ddss-se st't •etiiMOt~~iia ba seM A~~~i ~~ and ma estr remdeeed asr ?.4. Wi defsets iet p artd botet~ee 23, l6 hoar psis 1 sot ~6. I'w Borm~a~ec !o fII~IAM COVENANTS, Baero~a~ slid Laadar litetl~ aov~t and aat+ae rrt feNoses: isr~lstti Rsttl~stHsa. I.sMise siaeN ~r ^siat a r pHsr b rssKit st' sfe7 anrsssaat sr lit hilts Sssne~lty Lta~teoMlst (lit ~ p~iu m Mere S~scNa- tf Mvw ~ ~tttim~ ~~le' i ~ r> ctrl ~ ~ Eq ~ ~ ~~~ as~~J ~ [ #Ire ~ t tia ~ ~ ~' 7~ saYtaad rpsTtjr. I~esitler tip a i~i~ rid eke N rdr~r~~r`ar~ ~ aaa4rt ila 1M ~ tits ~Ma~ . of a i se alb oN1ec 'rn~Cr' q ~ ttai nt~r~ai ~ eases tlYsitil~it ~ ttst we+etl >AS ~, Lsltnr apt f lit h~ K alt aswe~rd lr! >!IY 9r1~1Mttp ay ba acct all °~ ~ its eseteel~• 4~mt b )teidai ast ll>sdced ~~ tit~t~~ ri~oe q tre ~p bey R sa Upon psym:nt of all sums sasnrad bS- tlds Siaamfity loapttstnat, ffiis Y iasccamodt ooetMeysd :tai and ttstx~ase ~tiid. A>tlor r~ auaNue+eoce, I.eaekr : s Ssomilty Iuttromart. Batzrnvea~ athall pai+ soy emooetlrfion oasts. Roder mry ~'8e ~' ~~ ~ ~t3' , lad qtly iff ~e fae is paid tia a third pstty &a secvicss Is o~t6e ie is parae~esd assist Applloa6to I,aM, ers. Bawwa, >n tha extaat ~Siped ~ Apptiarbae Laap, waives asd zdorsn as{y sear ar to ettSoe+oe this Seece~rtty Ia~vemtn!R aetlt tasrsby wedvat tlai bonsific ofsay pe+eseot or adry of wroc~affnon, exteasion of tittle, ecteltap~tiaa #um a~ lery sad sate, blstteast 1'srlsd. Banrawrr' a time b rdoetsMC to 19 tr~uil e~ead bo one rba aamQaatoe:ttmt of biddmE it a staai~'a sa~en ~odyee axle prssumt to t~s Soppily less Mss~ay a If say of tits debt sec~ed by this Sasuriiy ta:s~meett is feat to lam tills b ~ Ptoperty, t>aa ~Y bit alttli bo a pu~trt e°eat'sr~' anel~r~e, . riAria_.lf~r_~ D _~~d~. .L_ a_a____~ _ _ _____ eacptad an Noce ar its stt rcti n of -------- -~-~ ~ -. _._.~•---~'- r-~q ~'- -~"~'•~••R'~ under flu a at~l be the rate payahk from lima ZQ time ~~ ~6(P!y j Pa+ iaor to Foaw ~lQa! tJa'f 8N J 9~OPG0.774 ~onnnti ~ a•a{•ea nr,s -` f`IiMAF17t ANff fill tNTY ~=. Imt.*2a1161589E3 - Pegg 14 d22 SY S~~cG HEU?W, Hatro~ver socepts attd a~roas w tba imms ami oovcasats ~ntra-ed in this ~ 5eonrit)+ ies sod in aay Rider exeptbed by Haetaaoc and recorded with it. E WWitaases: j 07120f2019 8:35:46 AM Victozia Sal,saar (sal - ' _B~~ (Saat~ •~.,~ {seat} s~.~ tom, ao~- 1lD1 e~t~~Q~~o~~s CUMBERiANb COUNTY test.#200615896 - Paga 15 Q 22 T~ o~ I'II.i~INSYiv~,x~, -' .the o~ ~ ~ of ~, Ixrsoaslty ~ t ~~ ~ , bare u~, the E lcaovn to me (or satisfse6~~',}~ pro~vea) to pers0o(s) w~hoea namo(a) to Hsa witbim emu[ adonow that hd hty eWted the samc bar the herds oontaiaed. IN S WHEREOF, I h~nea sct my head sad official scat. My CAn~~~res: ~ ~,~,,N,4tdV iA ~..""JJIILL ~, Cer~tc I, . do hey oa:•Eity that the vs iSt00 Yos- tea, Suits 1004, Izviat, 9ZiI2 . Wi haaei this ~ of " f" ~ ~ ~:~.~ taf ~.w z~ ~~MP~~~ ~. se er,e ~ Faso 7WI1 1101 ~~f ~~.pp~p~~~ _ _ __ of ~ 07!20!2011 8:35:48 AAi ~- ` _ ' . CUMElERLAhtD COUNTY ~ _ ~ lnst# 2008156 - Pagn 16 ADJUSTABLE RATE RIDER. si: asa~ir zaaimc ~.u + ~: ~ w~i sn~a .~,~~ - ~ ~) Trils tx~STaat.>" w~Tl~ RDER ~, mods this sit ~ ~ ~,~, zoos and Is inc posted irrto and shsl! be deemed to arrisr~d and suppiernemt the N~Icxtgage, Deed of Trust, or 3scxtrity t3eed the "Security instrument") of the same date ghren try the ands (" Borrvwe r") to secure Borrows is Adjustet:ds Rste blots (the ' Nets') to I4~a Can lia~tgsg~ ~az~o~ratioa j'Lsnder'}I of the same date aid covering the property described !n tt~e Security Instnirnent arld IoCat 2~t: 641 iotrtbar StrN~t, ~Y~r >P~ 17043 jroperty Address] l~t?TE Ct~IfTANiB P1~4V1 i J1+kdAlYINNG t~R t~~l1t1GEB a! tatll7L AND 7'Ii1E MI~~-Y 1-~: Ttt: NQIE ~ i7~ t,'~Ali~"i 't~ CIW ~ AT Atilt ONE TN1E 1`HE 11~A~'IMtifM' ilrA~ tilENhl' tMY. COV61tANi'8, in addRion to the u4vettaults and aQreerrtents made in th8 Seaur~y I rW1'1Mt, 8orrawer and Lsrtrisr further ~ and ogres ac tom a t w-Tt: ~ YOMTHt.Y trll-1fII~ItIEi't c~ut,s The a provides for an irtlt fa! interest rate of 7.95t1< 96. The Mote provides for ~t the interest rate end the mo~tNyt p.yasnts, se idlaws: 4. E tttRE AND YOfi't`HLY Wtl(NItN!'I' flit ~A) Dates The ~rsst rats i vrii I pay may chsnye on th. first day of ~, 24~ and on t day every 6th month thereafter. f,.ach date on wvhic h my interest rate COUtd c p4 ueNsd $ "Change Dale." (t3~ ' ~l6tiMC tiepin ~ v~th the first Griange Data, n1y interact rffis wiH be based oa an index. The Index" is the average of lntsrt~srtk offend rstaa fa sbc nwr~h U.S. ddlar-dsr~4mineted tiepoaits in the t.rondon market ~'uBOR'), ae pubtie#~ed in The wail Street r .The most recent 1 f'ipure available as d the first twsirasss day of the nxinth i'ratardi p'ecedfng the mant h n vu~c h the t~sngai D~+e accxrra is c~Ned the "Current Index.' If the ie na k~r~er Svai~bie, the Note Holder wNi ci'goes s flaw irrrteix that ie based upon cam Treble (nfarmadion. The Note t~idder wiq me notice ofi this ctwice. (G} of Chsnpes Befor Bach Charge Meta. the Nate H41d~er v+~l calculate mly new interest rata by adding 9i.~r ~1ad iw- BtsadcNdth ts} P~ pdrrta ( 6.464 %) to the Currant index. Ti>!i Nate Molder wi Il then rotptd t hs result of Pape 1 of initia YMP Mart Solutions, ~ # ~ ~ p.p~.~ 7 7 l -- ~___.. n~rsn r,nie "o.~c.fc n~a ~- !`11lJRFRI AAffS (`CK INTY lfWt3Y 20D815$~96-~A~B 17 Dr 22 thin addition Ma thos nearest one-eipt-th of one percent point {0.12 sit). tat to the limps stated bt ion 4{D) tfeiow. tide rounded srtxxx~t wit€ be my new trrtereat a untN the neuQ ~~ . Tfw ~ Hcaidar will then tletarrnirw the anaourtt of the monthly peyr~aant that would be suffialant to the unpaid print the l am tta owe at the Cttarage CMte frt full on the Mat ~te at my new ir~irast rate h faMy equal paymsnta. The nab of this caM,t~st ant i be the new a mount of my monthly puyrnrnt. ~) ' eao triteoEaat Res the firt t rate 1 em requlrod o pay et the first CheEnge Date will not be deafer than g . t50 % or Ives than ~ .950 96. Thereoidter, my irrtet+eet rate wfll Werner be inc~s~sd apt decreased on any s~ple Change Date by more ttaan oaa.~ ,land! one-ha~.t ~ perc~ntaga pants ( i .Soo 4~6) from the rate! Of Inleraet l harre !teen payirfQ for the pr~n9 6 months. My intsreooat rata wig tracer tae greater than It . e~ 9G. M~ Inta M crate a~dl ~y of my ynawv hly pa ~~ on H1e®~st ~ChaFaEp D~ats. I~tsltalt - t i)ate until t !amount oP my mon~~~yma~at d>etpes a~~ i~Y~ ~~ ~ ~ 'Tile HoMder~l deliver or malt tc ma a ndica cf any char-~ss in my intp~ rats acxt the emoautt my monthly porytraerlt !caters ttae at'hwc~+a of any . T'l~ r~catiaa wN 1 iraciuda R1f a'tbre negc~ed try hew to tea dvan to nw ar~d the tRia and telapaona nurreber d a person a+pt s newsy arty questionl arty hays n~ the notice. B,. lF 'f`HiE ~IM!l~Rt1f tit A ~. tom' N ~IIiQNER Uniform 18 of the Secur~y Inatrureasnt ~ irrretadsd to rewd ae foibws 7 of tits Y or ~ irNewdoi inlolrawt M AtNlrovwr. ~a used in thin Section 8, "lttterevt ~t the F~~tscf ntsAts exryb~or beonftdal lntsraet In tlae Propsrt , fracluding. tilt net t+W to, Maoss httsr+~eta trat~aMtr~! in a txar-c! f idrsd, contract far deed, Ott se>~ oantraaot or eo~cttow p~ the _ of ~ h ie the transfer of titer by earrr~wsr at a futura~r3ta cranaf 4a"~`f e~«t~r ~ ne~ura~l r'; is aald ar tratisfen*ad1 vrit haut t~rradsr' rectuirs to paymsnt in I! of aN sums e hlowe tt1~ Optbn 8t1aN slat taB eOlaiCiaed tay tay La1M. L.lorWsr else shah trot aflf [O !lei ai~ t~0 ~infd'IrlatlOn ~nlydr rYe~talla drterminea that t~endel~~iOf aestuta acrd that the riac of a tanaa~ah S nE la acCaptdais to tench'. Ta s eoxtsr~ psrmtttsd `by A~pp~cattNs Law, as a tiara to !,enders aunssM to the ban ~ t# ~ths to ~ to ksw~a~t~ i irrteroe~ in the is end ar ars~pn aid a IraXsrast in i prior written c:onsant, Legit' n'iaY ......~ i..,.,al.t~ -y...~w. ~..~a_..~__a is wi# nut bs h~aakad by' the ban any can-snant or aereernent in thin t.erader may charge a raeoccattaWe fee wumptbn, Lander atsc may r+et~rfrs thowt is ~ to t`.endsr, and thou s and aorsnrrsrna monde In the Note Note this sec Instrument uniase E ender reteeaes Borro+asr ~~~ €~ ~) ~ ~ ~o~a gas Initiads~ Pape 7 of 3 ~ j ~ Foa'a 3131 1!0't . ~. a .....__ .---__ .r,nnn+, eAe.~e wan --~ ~ (`11A~RFRI O. Nf~ ~`.C'11 (NAY ~F1~.#~Q61$6~' PBge 18 0f 22 !f er eaoorda+~s ttte optbrt tarpuk a kr~rnsd#ats pnym~nt in futl, Lender sfxtii ~ r rat Ice of a~retion. Tl~ia notk:a sh~N ids a perbd of nct iw Phan froth tits dih the notice is !n seao~l w& h Seictivn 19 witAin wttiG h r must pay, ail aiCtir'id ~r the ~ kr~trumRttt. If ~otrow~e r fsAs to tt+esw auras prror to the et~h"'eAiort of this per' l~dar mey inv!o~ce eny rerne~ , psmrittsd by this sscurityy ttwtmxrtent wit hcxrt further notice or detnana on r. i3Y S BEiAW, Borro~rer acxegt& artd agressr to the terms and covenants contained in t hie Adj i tleble late Rider. (bead} Y E ~~7~,t j~ (~ Z~ ~ ~~} Trauutir-tso #alaYar -$onower 9ictoria 3alazar -~onrowsr (Beet} -$OCrtYMf@ f - tom) -Borrows r (~) -i3ort+o~w~e r ~s~) -8arran+e r tseei) -earrower 8R (l~40 2) fie $ of 3 n~Mnrfni i A~44•.ta AA! rarr~itxFRU~r~lD COtfNT1f .__.... #seeil -Bc~rawer Etam 313a 1IQ1 Inst.# zoaa~ss9s - ~~. ~e ot22 ADJUSTABLE MATE RT~ER ADDErTDUM ( Itrdez • l~ba c~.~ 'T'his ~ Rider - is txmdC ttiis 2nd day of !Play aad is ' into and star! be deemed to amend and. atippiameoa the Proem~asaty Note (tire "Nv1e") urd MottgaRe, of Ttivst ar Sew Deed (tbt "Seet~y- ~'~ sad ~ Ram Rieder (the "Ride~'j of stem date gitren lay tiro ofldersigoed (thc "Boa+avrer") to sec~ee nrgayment of Bonvwe~'s Note to irloN- IM~ Cotponltlan (the "Londer'~. Property se miug rtpa;ytnent of Ste Note is desczibod in the Socttrity -t aad located at: BQ1 LfleerlftN 8iwt* t~o~try PA tTW3 (Psopeety A~oas) Ta the that tiu provisions of this A,t~ttstable Rate hider Addendum arc incansisteat with the pnavisioa~s f the Note and/or Security [nstttrme~t attdfar Bider, the ~ of lids Addeodttm shall grzvaii ova and sttpezsode asy iacottet provisions of tiro Note aerdlor Set9rity YnstrnnQart and/or hider. Iu add~tirss tt- $~ee covanmafs and agroemec>g made in the Note, Security' Inahumeat, and Rider, &x~tawcr and Linder ~r covens~ot and sg~cee as €~ilows: 4. (D) QN IT~I'T~i' RATE CHANt~BS T7tt ' rata I aia required to ~ ~ 1~ea Mat eh~o Asoe gill ~t be grs~cr thsa i.~0 °~ or !ep t8an ~,~ X. '€'ierd~er, my Lrieearc ratr .vll! eev~ be luca+eaaed or decrmaed ~ ssty ~ t3s~ap Date bg more titwr tint; ~Md l~R F~(e} { 1.ll06xl ~ tie rate of I hNVr tx~t payiad for the pr~tg ~ pattlfpe. i1~ htberait relte wi$ aeovar be ~~' i4.9'.ifl Y. or It~ss dtaa T.~iO `A- BY SI Q $ELQW, &urower acceppe and agues to the tsrnos and eovenairts contamcd is this Adjushbl~ Rider Adde~mn, ~~ Ftant~~ Victoria Salazar xcaic I Myaso~trla xarelRidaAaa®dum RLtOZ (o ~ti ~soasoiao t~-~~ l17MrtNNt1 S A•9S•dF L•4A~ ra IMRFR! AAtn f'X)1lIVi'Y - •. _ k11St.~ 200645696 - P8ge~3D of 22 P t'P~~iV'~' RIDER ADJUS'TABL~ SATE LOAN This Rider is mach this 2tld ~Y ~ May 2608 , and is incacpaaated htto and 'be doomed to smead and mppieroont the Pro~iasoty Note (the "Note's and Marge, Deed of Trust ar iked. (tire "Seatrity Insavmatit"~ of tt~ acme data 8ivca by tho ~d (t]sc "Harm" two :~ repayment of Ha~rrnvcr's Nate W ~- ~~fM ~ (the "i.mder"). Ta tha that the ptzrviaone of this ~t tuc ~ w-tt- th4 proviti~ of ehe Ngta andlor IradtamGnt, the p~navieions of this rider shrlt prevail ova and shall supaacde airy such incooaistGOt oftha Nofc and/or 3aaaity hm:nanwt. 1n addition the covmxufic and s mach in the Noce and Security Inst[nrmat, the Hocrasirer and Lemdet cavensat and ~ as folbwa: S. Ri(~~ST TO PREPAY I ia+ve tic fo make ~ «t Yurheetpd nap lima hafrn thry rre dwa. A pa~aaaat rt p+rdttipai b Iaeowu as a "pr+!lttpataet"- Wheel I aaslor s p<e~ment, I w®tea Wa Nafe Minder to I dairy w. The Nsla H+olde:' wIR one +~ d ~' ~ >b rvdaetil fi. ausaeut of Y sere ~saisr thk iWls. i! I rwiut s ~ tiiroar ~ bi- aM- eLn~as is rise dss dabs ;my ~ llrt ~Asidrr awes M weitir8la tltl~ae dw~sa. MY pari3si stay radoee the aarrwt ai' ~ peaadittr ZmrweaAs ~ fha fit GasBa Daabr 6 !lam ~~t It 2 yattC(t) txem the defe of t:e~n of fie Sa~rity I eeab a lhrli pr ur, Ia cert~eia essu a psr1W prrpgue~, and the te~1 st sstL ~1(r) fir nay 12-aa~ exceeds 'I'VV1CiV1'Y PER~1F (2i'~4) atT lie eri6l~tal pri1 sser6art et ~ I ~ pay a dare is aua aeaamrt aim b fie pr-neeet of i araa~r siraacr hrieneat ~ tin asaerraf by ~iriie>r ttte f~ s[ my prepalntrtr~l(rj w1iiY ~ lZ-a~saAi~ patiad ertoeai T'~VENTY P~G'~!V"1' ) $[ the ~rrfttf~ItE tmtowrt et tiu iw. BY SIG~ttI I G BIIAw, Boet+cwer atxepts and egreees to We tamc and oovegants co~med in this Ftyttatsiraa Victoria Sal.aaar inak# 7WJ61S6S6 -Page 21 of ?2 LEGAL p7C8CAZPTION ALL TEgYA GSR41lIN Ut8D2'~i'IDEU ISY' to a lot of land situate in the Borou h of Lemoyne, Cumberland County, Pennsylvania, mere particula ly bounded and described as follows, to wit: BEGIL~NII~GI~ 2.t a paint on the northerly line of Lowther Street 265 £eet Eastto the Northeast corner of 7=h and Lowther Streets; thence al~ng the line of Lot Na. I7 on the hereinafter mentioned Plan in a,northerly direction I05 feet to a point; thence along the Tine ~f Lot No. 25 on said Plan in an easterly direction 60 feet to a~paint; thence along the line-of Lot No. 15 on said Plan in the so therly direction 105 feet to a point on the northerly line of L wither Street; thence along Lowther Street in a westerly direction, 60 feet to a paint, the place of BEGINNING. 4, Page 9 . BEING improved with a dwelling house known and numbered as 601 Lowther S~reet. BEING Lot~No. 16 on Plan of Section A, waldon Terrace, which Plan ig record~d in Cumberland County Recorder`s Office in Plan Sook +l ', ...jam. B$I~iG .~ Si1~' 88~~ 3~~Ti~~ Kimberly A. Esterline, now known as Kimberly ICennc 'David G. Kennedy, her husband, by their Dee dated July 14, 20A3, and recorded in the Off~.ce of the Recorder f Deeds in,and for Cumberland County, Pennsylvania, on August 18 2003, in ~ ed Book 258, Page 3655, granted and conue~ed nto Jose Tejo, a married person, Francisco Salazar and V1CtOrl.a aldzar, hl$• w1.fe . IT hygp SNG THE. SAD1A ~LIB!$ p~CH Jose Trejo and Monica A. Trejo, hi wife, and Fran~~a~nd Victoria Salazar, his about to ~ recorded in the~Off~c and for C mberland County, Penn s unto Fran isco Salazar and Victor herein. f~ Recorder of Deeds in nia, granted and conveyed Salazar, his wife, Mortgagozs f J IMRFRI ANi7~fx1NT1' It15t.fA 200615696 -Pegs 22 of 22 ronnnm~ R•9S•AA GRJ Exhibit "D" F N by red Asee~lates, LLC Wi+eo recoreTad retar~ to: Mil~ad do I.I.C 210 lathe Hrivs 3b 301 Cherry HOI, New tt~ I .l.SS7GMMF.NT OFMQRT~GAGE KNOW Ml3N BY THESE FRE3ENI~, that Nero Ce~ota~ry Mortpge Corptrrt~tioei existing ands. the krrs of the of 4lit~ia, (Asdgator~ in ofthe sun of 5i.00 (One) lea) hnr~l money of the United States, in barul Feld by HSBC BANK USA, NA.TTt)NAL ASSOCIATI!'l~T, AS TRUSTEE FOit THE " TBHOLDERS OF TSS ACS SIIC[J>RT17>C~S CORP. Ht B~llrFY IRAN TRUb 1; S31rR1BS ~9f-NC2, AS3ET-BACKED PASS-TSROUGH C~CR77FTCATBB {A~saa) ~ oa~ before the e~adit~g and of ffiese presents, the receipt wheieiry is hmeby aclawwied~.d, has ~ sold, assigned, and set over, sad by these pt'~1h Boca. gr:mt, bargain, soil. assign„ traszaRx anal sat over unto the sal a certain indeadae of Mortgage baring the dNbe of MiY 2, 2006 in tha+ ammmt of 531 000.00 made by , $alasar sad Victoria Salazar, given m New Cesdtay Mostgrge Corporat;;oe, geld mortgage ,was reoordad cat May l 21106 in M°ttgage Book Volume 1950 Page 0T61 is the public reeasda of Cumbac4ad County, Pe~+lv+mia, the foilorvnog dmcn'bed piece of parcel of lead, to wit. Fr~opdty non coasmcmly lrnowa as: 601 Lowther Street, PA 17013 !Parcel 1Z-168 T~ ~S"Or hu+e1.Y ~~' ~ P-~ q/'ths Assiper,e, htS8C,8~tN,K ~ N,{7F(JIN.IL aISSa~CLtTTOA/. AS G8?I~LF~ORTAECER7TFIG!?EEIOLD,J~PSOF?ltE.ICESECURIZ7ffiC4RP. 1~JjjUITYLOAN TRL~,,3BRISS ASSET-B~CJCED PASS-T7fROiJGHC~,{7~T tr do Bmat ojAnurfaa, NA, saaawor by niergrr to BAC H Loans Serrieing, LP, 7105 Corporate Dri-u, Plano, 7.Y 7302. ~ J~ . (hrltJals) Together `th the Note and obligations therein described and the money dun and to becaone due thera-n with inta+est, and rights accrued or to acan~e uack~r such Mortga®e. TO HA AND TO HOLD the same unto Aasigaae, rts auccassors sad assigns, forever, subject only to the terms and of the above-deacn'bed Mortgage. IN 3 WHEREOF, the undersigned Assignor has execaited this Assignment of Mortgage oa the ~ day of .~-1-e.~ bey , 20! 1. B .i~M-M~wt~~A}^}~rnr~ ~y/- ~ ;, vef1 tna t.7('t t~ tpnt Y,CL .ftyty~j~} ~~ ACa1VOWLEDGMEIVT State of Coumy of ~ L >`15 ores- O bal~orame,_j3P_v--.;~~eLl.~~.~ict~ ~.~.'~I~KCat/ >~ 1, vrho psvv+ecl to me the basis of aatisfactocy eridoace to be the person(s) whose s aubsp~d ~ the witirbn arJmow tome that `~3' exeeuse~d the same ist ' authaclzed {~~ ~ by algm~hae(s) on the instromert the paraon(s~ ~ the entity upon behalf of which the psason(s) , exocuted the iffitrimn~t. I cmtify under P TY OF PERTURY undue sire laws of ifie State of 7~G-Kf-S that the ~g'om8 is true and correct WfI'AIESS my tatd official seal. ~~ Stgaetun '~ ~ `'"~ {Seal) d~irrr.wr {(lf76,226S7j ter"' cet `; `•`h. 7eF~c~sa~ tMl~-Y 7, ?A't4 >.e, .. _......,.... ..~. .. .,,.,,.... _....~.,.... ... M~..._,. ..., -.~ ~ t -~ LEGAL DBSCRIP'rION _.__ ALL ?QNI~t CERTAIN UNDIVIDtED INTSRBST to a lot of land situate in the Borou h of Lemoyne, Cumberland County, Pennsylvania, more particula ly bounded and described as follows, to wit: HEGI~IIiIZ1G at a point on the northerly line of Lowther Street 265 feet East to the Northeast corner of 7t'' and Lowther Streets; thence al ng the line of Lot No. 17 on the hereinafter mentioned Plan in a northerly direction 105 feet to a point; thence along the line f Lot No. 25 on said Plan in an easterly direction 60 feet to a point; thence along the line of Lot No. 15 on said Plan in the so therly direction 105 feet to a point on the northerly line of L +wther Street; thence along Lowther Street in a westerly direction 60 feet to a point, the place of BEGINNING.. BEING Lot No. 16 on Plan of Section A, Weldon Terrace, which Plan is record d in Cumberland County Recorder's Office in Plan Book •4, Page 9 . BEING improved with a dwelling house known and numbered as 601 Lowther S~reet. ES]7p6 SAS! PREidISES WHTCB Kimberly A. Esterline, now known as Kimberly PCennerly, and David G. Kennerly, her husband, by ' their De dated Juiy 14, 2003, and recorded in the Office of the Recorder f Deeds in and for Cumberland County, Pennsylvania, on August 18, 2003, in Deed Book 258, Page 3655, granted and conveyed nto Jose Trejo, a married person, Francisco Salazar and Victoria Salazar, his wife. IT ALSO 8~CI1~ l'H8 SJ1ii P~tI8E3 1i8ICS Jose Tre j o and Monica A. wife, by their Deed dated , 2006, and about to a recorded in the Offic f e Recorder of Deeds in and for umberland County, Penns ia, granted and conveyed unto Fr Cisco Salazar and Victor Salazar, his wife, Mortgagors herein. ROjBERT P. ZIEGLER - ORDER OF DEEDS C ERLAND COUNTY 1 CO THOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Nuu} r - 281223250 R~ded On 612 At 12:43:38 PM * Iestrnmeat Type ASSIGNMENT OF MORTGAGE Invoice Number - 114158 User ID - JM * Mar~agor - FRANCISCO * Mort~gee - NE (CENTURY MORTGAGE CORP * Customer - & ASSOCS * ~g SY]1RR 11RIT $0.50 3?I-TE JCS/]-C S3 TO $23.50 JosrlcE RECORDING S - $11.50 RB~RDER OF *ED3 PItR~CEL CffiRTI C]ITION $10.00 rasa COUIaTY ]1RCH s FEE $2.00 ROD liIRCHIVE! y'EE $3.00 TOT]\L P]-ID $ SQ . 50 * Total Pages - 3 Certification Page DO NOT DETACH Thy page is 110w Hart of this legal document. I Certify t11is to be recorded in Cumberland County PA `,~r..P,~.K,T~ Ri~.CQR1iER ©F~~a~DS • - Gfoneatioa deNbad by ae asleeWc say eia~ ~~ the verffkatiou preeea ud say oet be retleebed y ~ pale. ~weu Exhibit "E" ~, T~Il~ C~RTIlSN ~~ ~$~ to a lot of land situate in the BOrough'~, ~~ i+P~cttOyner cuI[rl?erldnd Cc~untp~ pennsylvan~.ar more particularly bound®d and described as follows, to grit: B&GrG a~ a paint on the northerly lame of Lowther Street 2~5 feet East tea the Naxtheast corner of ?=h and. Lo~rther Streets; thence along the line of Lot Na. 17 on the hexef~~fter mentiarted Plan in a n~rth~rly direction. If?5 feet to a paints thence aloxtg tine line af' i.ot i~o. ~5 ors said plan in an eaaterl~r d~.rection 64 feet to a p~nt~ thence along the Tine of Lot No. ~.5 on said PYan in the sout~er~.y direction lily feet tQ a point ors the norther7.~ line of Low her Street; thence along Lowther Street in a westerly direction 6b feet to a pd3.r~t, the plane of BEGIlI~T~I~1~G. ~ Lot N~. 15 on Plan of section A, ~aldon Terrace. which plan is recordedl, in Ctat~berl.and County Recorder's pffice in Plan Book 4, Page 99.' ~~TG .i,mproj~ed wztri a dwelling house known and numbered as 6011 Lowther Street. Exhibit "F" 9ankofAnNrfea IMw~ Lasaa PO Box 9048 TemecWa, CA 92589-9048 Send Peymenb to: P.O. Box ~ 5222 WBminpion, DE 19888-3222 Send Comsepondenoe to: PO Box B170, MS SV3148 Siml Vtlley, CA 93085 I~ 7196 9006 9294 8970 9865 PRESORT Flrst-Class Mail U.S. Postage and Fsss Pald WSO 20110'104-7 ~Ilill~ll~llllliilrr~illllllilllilillll~l~lllil~llili~l~l~l~lll Francisco Salazar 601 Lowthet• Street Lemoyne, PA 17043-2019 BLQSPPA11184d12787 03/08@010 BalakofAtuerlca Env/e Papoa e: IIOan I.oane P.O. Box 15222 P.O. Box 880894 bVllrrNrrpfon, DE 19888222 Dallas, TX 752 88-06 9 4 January 3, 2011 Erniar Correo Certiflt:ado: 7196 9006 9294 8970 9865 Frandsco Salazar Pedido del Recit» de Comprobante 801 Lowther Street Correo Regular Lemoyne, PA 17043-2019 ', NGmero de Cuenta: ', Dlrecci6n de la Propiedad: 801 Lowther Street Lemoyne, PA 17043-2019 Proveedor de Servicio Actual: ', BAC Home Loans 3ervlcing, LP 1'~I~ITI I+CAC1COi'W DEL A-~TA 91 TCI~ ACC~C4N PARR ~A~~/A ~J CA.'~A DE USA ~J~ t1CIC3f'~ W tt~'~T~~AR!~A La notMcaaibn oontiene inform '16n legal importante. Si ustsd tlene algunas preguntas, los reprrlsentantes de fa AEencia de Asesorta de CKdlto del Co umidor tat vez puedan ayudarle a contester su: proguntas. Ustsld fat vez tarnbi~n qulera comuniearrse con un abogado n su lu~ee. La asociacidn local del cuerpo de abogados (bar lsssociation) qutz8 pueda ayudarle a encontrar un abopsd . LA NOTIFICACIbN ADJt1NT0 E I, DE SOMA IMPORTANCIA, PLIES AFECTA SU DERECHO DE CQNTINUAR VNIENDO EN SU CASA. S! NO COMP INDE EL CONTENIDO DE ESTA NOTIFICACIbN OBTENGA UNA TRADUCCIlSN INMED1ATAtMiBNTE A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCtONADE') ARRRi ,PUEDE SER ELEGIELE PARA UN PR~STAMFO POR MEDIO DEL PROGRAMA LLAMADO "HONtEOWNERli EMiBtGENCY MORTGAGE ASSISTANCE PROGRAM," EL COAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A RE IIIAtR SU HIPOTECA. NOMB,1tE(8) DELlLOS PROPIET RIG(S): Francisco Salazar DIRECCIbN DE LA PROPIEDAD 801 Lowther Street Lemoyne, PA 17043-2019 NO. DE CUENTA DEL PR~3TAIV~ O: 73007915 PREBTAM~TA ORIGINAL; PRESTAMfSTAACTUAL: '~ BAC Home Loans Servicing, LP Esie comtmkxdo prol~ iene de BAC Home Loans Servidnp, LP, la compeflfe de Bank of America qus adminietre su pr6stamo hipotecsrio. I I Y oanrpondsnok. ~ Ea poaitle qua a k aobro un o~ rpo ( Irate SI0.00) por Dade pep qua as dswaltoo ~ pa au iraYWd6n Inender4 auJeW s k ley qus ae epliw. BLQSPPAI 11848t1226T 03/D812010 rNSrnuccroNEe oe PAao ~!, NGmero de Cuenta: • Hp. w cheque ^ nombro da randsco Salazar 801 Lowther Street Saido a vend por los cerpoa rrrenckxredoa anteriorrnente: 52,611.60 a pertir de January 3, 2011. P h d tioms ~~ e.rwd,q, ~P a var r uapa k Inrom+sden a.l a-ma» uWaado an N dono da ask aipOn. • No envk dove an Mediw I Lemoyne, PA 17043-2019 • Par fever Irwkrya le wp6n mn au~ ~~ Adfd Ppo eLQ8PPA1 onel Pero bdoa Ia psdoda da mernwiaa en total, al k~r6a a I" II~~I'I"'Irll~,~~~'II'11111~~1'~'IIIIII,~,I~irl~'I~'~I~1~ 'II~ aelaukdo merrnaYnarMe. BAC Home Loans Servicing, LP oorroaporgs, loa Iriereasa Pw lee masse an to1M, ba auela F M - r PO BOX 15222 Wil i DE 9 total dH praqua s ero, wn cebuledaa oomo de Inbraaea enuelea, on m ngton, 1 888-5222 1$00-889-8854 1 del n811Mro da .ohadx sn sl m«. Pere perdeka, Wa iraaruea son u 073007915900000261160000261160 derkmarde besedo en un eflo Don 5 dl.. ~: 5869900 58t: ? 300 79 i 5u• HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM 31 LISTED CUMPLE CON LOS ~EQUISIT08 DEL HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE ACT DE 1983 (EL ACTA), LISTED PUEDE SE .LEGIBLE PARR RECIBIR ASISTENCIA DE EMERGENCIA HIPOTECARIA: SI SU INCUMPLaVIlENTO ESC USADO POR CIRCUNSTANCIAS MISS ALL~4 DE SU CONTROL, SI UBTED TIENE UNA PERSPI OTROS RE©U681T08 DE ELE© @JACUCion htpOtdQarla en RU neeeatxa flJar y atander una seta Notificadbn. EBTA,hUh (30) dies dsspubs de la techa progrsmar una /A RAZONABLE PARR PODER RACER SUS PAGOS HIPOTECARIOS, Y SI 3ATISFACE DAD ESTABLECIDOS POR PENNSYLVANIA HOUSING FINANCE AGENCY. COON HlPO -altre _ BaJo seta Arta, usted flans el derecho a una estancfa temporal de hipotecario por Treinta (30) dlas de la fedta de seta Notiflcadbn, Durante ese tlempo usted parsons" can una de las agencies de asesoria d® crAdko del consumidor allstados al final de g(TO OEL cONSU~~g - 31 usted flans una reunibn con una de las agendas de asesorla e ai final de eta notiflCacibn, el prestamista tai vez NO tome accibn en su contra por Treinta Junta. Los Hombres. domlolilos v nbmsros dE ts~tnno de aa~ncla~`de a-°°^"ta de crb ko del tdo. en el c~u&1 la nronlada{~,,,~t+yl~sada. as eneuantran al fltii die seta notlflcocl6n. 561o es persona. Avisele a su sus intenclones. - Su pr~stamo esti en estado de tncumpllmiento por rezones estableckias posterlormente en seta n bn (vea las aigulentes piginas pare informedbn especiflca sobre la naturalezs de su incumplimiento). 31 usted ha I rltado y le es Impaslble r~esoiver el problems con su prestamista, tlpne el derecho de solidtar aslstencia flnandara del prog sl Homeowner's Emergency Mortgage Assistance. Para hacerlo, ustad neceska Ilenar, firmer y arahlvar le sogdtud del progra 'Homeowner's Emergency Mor~age Asslstanae con una agenda de asesorla de crAdlto del consumldor Msignada en la II i ai final de sate Notiflcadbn. 3610 las agencies de aseaorTa de (~dko tlenen las solicitudes disponibles del proprama y le ay ' grin a someter una solickud complete a la agenda de Pennsylvania Housing Finance Agency. Su soNdtud dabs ester archNada o Mer el seilo de correo dentro de los Treinta (30) dies de hater tenido su reunibn en persona. LISTED J~`Si ARCHIV U SOLICITUD RAPIDAMENTE. SI FALLA EN HACERLO O SI NO SIGUE LOS pTROS PER~ODOS TIEMPO E EGID03 EN ESTA CARTA, UNA E,IE000ION HIPOTECARtA PUEDE PROCEDER INMEDIATAMENTE EN CON 'DE SU CASA, Y SE LE NEGARA SU SOLICITUD DE ASISTENCIA HiPOTECARiA. ACC16N DE LA N_CW - L s tondos disponibles pare emergencla de asistenda hlpotecaria son muy Iimitados. La Agenda do~mbolsari loe tondos de acu redo a los requiskos de elegibllidad estabieckios por el Acta. La agenda de Pennsylvania Housing Firnsnwtiene seserrta (80) dies fie tomar una decisk3n deapu6s qw redba su solldtud. Durante eats tielmpo, no se Ilevar9n a csbo prooedimlentos de eJacud6n hip Darla en au contra sl ha cumplido con los r+equfsRos estabieckios arriba. Pennsylvania Housing Finance Agency le no[Mcar~l dl manta sobre su dedsibn respecto a su solicitud. SIRVASE NOTAR: SI LISTED MOMENTO EST/T- PROTEGIDO POR EL ARCHIVO DE UNA PETICIbN DE BANCARROTA, LA SKiUIENTE PARTE DE E A NOTIFICACIbN ES SbLO CON PROP6SiT03 INFORMATIVOS Y NO DEBE SER CONSIDERADA COMO UN IN NTO DE RECAUDACIbN DE UNA DEUDA. (SI ustsd se ha declarado oflc manta an bancarrota, aGn puede soitcltar pare Ia Asistencia de Emergancia Hipotecaria/ Emergency Mortpape Asabtan t.) DEL fNCUMPLIti~ENTO - La deuda de la HIPOTECA poseida por el prestamista mencionado anteriormente en la propiedad ublcada en: H01 Lowther Street, Lemoyne, P 17043-2019 SE ENCUENTRA SERIAMENTE~6N ESTADO DE INCUMPLIMIENTO porque LISTED NO HA HECHO SUS PAIdOS HIPOTECARIOS MEN8UALES pars los siguientes mesas y las siguientes cantidades sstan vencidas: Caroos Mensualae: 11 1/2010 $906.82 12/ 1/2010 $1,823.80 Racaraos y~ Pesos Tardios: 11/1/2010 $61.18 Otros Caroos: C ps por tardanza no colectados: $0.00 E3a bs No Colectadoa: $20.00 Pa a Parcial: (SO.001 Este comunicedo Uao da E-rtwN: N prooorcionar eu(a 1 dlrocd6n de Nfenaro ds CueMa: de BAC Home Loans Ssrvidng, LP, Is compMls de Bank of America qua edminisira au prbslemo hipotecarlo. m6e adslarne, ssto nos paimitlri ernriarla Informad6n sobro eu cusnte. Como repialremoa tua pepo: Tadoa los pepDs aceptada ds pr~dpsi s intsraess ssrin regktroda al phuo mM eobraesli~te a wnar, a msnoe de b comrono sxpreeamsMa prohibkb o Bmfudo por la ky. SI uetsd somata una ardMsd adkionsl e k aMWed ds eu papo msnwl progranado, rophtreroma sus pay0e por conafpuisrne: (n a ~!>a mensuNes sdxsseNsrrtea de pAndpN s knaraeae, (~ delldsndes en le ctroMa de custodie, (pI) roarpoe Pa' pew tardy y otres anddadee qus ueted data rwn nspedo a au prietsnw y (N) rodudr al eaido prsrolpal eobrossssrne de est. Por favor espedAque ei ustW qufare qua h esntldmd adidonei ss repYbs a pagoe limrroa, en lugar de una roducd6n el prindpN. Cheques wn Posfsehe: Los cheques con feduAs adshMades saran proaseda an b fsdw qua qs redbieron a mina de qua un conesjero ds pristemoa eet6 de aaisrdo sn honorer h fsd~a escdta m el cheque con la eorMidbn de eetablecer ~ plan de pogo. LISTED NO HA CUMPLIDO EN TOMAR LA SIGUIENTE ACCIbN (Ain utLlloa.aL na ser anlicablel COMO R;EMHDW~ E4.INCU~ Usted puede remediar el Incumplimlentodentro de TREINTA (30) D(AS de la techa de eats aviso AL PAdAR LA GANT AD TOTAL VENCIDA AL PRESTAMISTA, EL GOAL ES 52,811.80, MAS CUALQUIER PAGO HIPOTECARIO Y RECARGOS 1:b~03 TARDIOS LOS CUALES SE VENCEN DENTRO DEL PER(ODO DE TREINTA (30) D(AS. Los naaos deben hecerse nor mekllo de cheque de calero. cheque certMicado o tiro nosLl hecho nagadero y envisdo a BAC Home Loans Servicing, LP ~I P.O. Box 15222, Wilmington, DE 19886-5222. carte. (No utiilaa sl no se anNcel - SI usted no remedia el IncumplimleMo dentro de TREINTA (30) DIAS de la fecha de eats Aviao, Its irtibnai es dal prestamista son da sjeresr sus derechos d• aalerar la deuda de la hlpoteds. Esto signHica qua el saldo sobresalle total de seta deuda sera considerada a venter inmedlatamente y puede pander la oportunidad de pager la hipoteca en plazos men wjales. SI el pago en total de la cantidad total vencida no se hate dentro de TREINTA (30) DIAS, el prestamtsta tamblAn pretends rdfenar a sus abogados de comenzar una acci6n legal pare Ifevar a cabo una eJscuci6n hipotecarla sobre su propieda . - EI Sherfff venderB la propiedad hlpotecade pare pager la deuda hipotecaria. SI el preatam ' re eu argumento a sus abogados, pero usted remedla el atraso antes qua el prestamiata comiencs ios proc~dimlentos legates en su gontra, aun se le va a requ6rir pager ios honorarios razonables ds abogado qua ss acumularon actualmente, haste $50.00. Sin bar+go, si ios procedimlentos legates comienzsn en au contra, usted tendrB qua pager todos I~ honorerios razonables de eboga d actualmente acumulados por el prestamista aun sf exceden ios $50..00. Cualquler honorario de abogado sera agregado a la can ~d qua le dabs al prestamista, el coal tambl~n puede Incluirotros cargos razonabiea. 81 remedla el Incumpilmiento dentro del p , odo de TREINTA (30) DIAS, no se ie requisre pager bs honorer~~s de abogado. - EI prsatamista tambit3n puede demandarlo personalmente por el saldo principal sin pager, y por todas ios montos a er baJo sate pr+Bstamo hlpotecario. - SI ustad no ha remediado el incumpiimisnto dentro del purl a TREINTA {30) 3 y ios procsdimientos Ispales hen comenzado, uated aun time el dsrecho de remediar el Incumpiimlento, y grevenir la yenta en cualquler momento, haste una hors antes de la vents dal Shertit. Usted to puede hater ai pager la csant d total que estB atresada, mBs cuslquter recargo por pagoa tardtos u otros cargos a venter, honorerios rezonables ds aboga ;y cantos asociadoa con la vents de eJecucl0n hipotscaris, u otros costos asoclados con la vents del Sheriff, asl espedllcado por ~cxtto por el prestamista y al e}ercer cualquler afros requlakos baJo la hipoteca. EI remediar su IncurnpHmMnto estableckfo •n eta notifitxci6n rostablecerB su prBstamo a la misma posici6n ds Hunts habsr patado por un estado ds IncumpNmierttn - Se proyecta -que la fecha mBs temprana pare ,que se Ileve a cabo la yenta Sheriff re la prapiedad es aproximadamente eels (8) mesas a partir de la feeha de sate carte. Se le erniara una notMcadrsn de la fi ~ de la vents dal Sherfff antes de la vents. Claro qua la cantidad qua se requlere pare remediar el Incumpilmlento aumentara antra ~s espera. Puede Intormarse en cualquler momento exactamente to que ser8 el pago o la accibn requerida al oomunicarse cron el rdstamista. Nombn dal Prostamista: BA Home Loans 3srvldng, LP Direccibn: P. .Box 660694 Dal/as, TX 75266-0894 NGmero de Telifono: 1-8 p-B69-6654 NCimero de Fax: 1-8 1.230-6811 Gontacto: M3 7X2-977-01-13 At rlcldrn: Asesor de PrBstamoa Correo ElectrBnlco: A ualmente estamos desarroilando un procsso pars asepurar la probccibn ds ios co }rnicados a trawls ds correo electrbnico part sus preguntas ds Retencibn de Hogar. M ritras tanto, por favor comunlquese con nosotros al ndrnsro de tNBfono o la dlreccibn EFEGTO DE LA VEN UAGIL - Usted dabs entender qua la vents del 5heritt terminarB au derecho sobre la propledad hipotecada y el derecho de par Hater en Bata. SI usted continua viviando en la propledad despots de la vents del Sheriff, el prestamista podria iniciar una de ~nda pare r~smoverlo/a a uatsd y sus pertenenclas en cualquler mom®nto. AS+lJNCIdN DE LA H#PaTEGA -listed pueds vender o transferir su case a un compradar o ceslonario qulen asumirB la deuda de Is hipoteca, tomando en cuenta qu t~dos ios pages sobresailentes, cargos y honoraNos de abogado y gastos se paguen antes o en la vents y que ios otros requlsttos la Mpoteca se cumplan. A OTRA INSTiTUCIbN DE PRA `IrAMOS LOS FONDOS PARR SALDAR ESTA DEUDA. REMEDIAR ESTE INCUMPLIMI IVTO POR TERCEROS PARTIDOS ACTUANDO EN SU REPRESENTAC16N RESTABLECER EL PRESTAM ' A LA MISMA POSICIbN, COMO SI NO HUBIERA OCURRIDO UN INCUMPLIMIENTO, SI REMEDIA EL INCUMPLIMIENT ' (SIN EMBARGO, USTED NO TIENE EL DERECHO DE REMEDIAR SU INCUMPLIMIENTO MAS DE TRE3 VECES EN CUA ~UIER A130 DE CALENDARIO.) ACERTAR QUE NO EXISTE U INCUMPLIMIENTO EN CUALQUIER PROCEDIMIENTO DE UNA EJECUCIdN HIPOTECARIA O CUALQUIER OTRA DEMAND LEGAL ENTABLADA BAJO LOS DOCUMENTOS HIPOTECARIOS. ACERTAR CUALQUIER OTRA DEFENSA OUE LISTED CREA QUE PUEDA TENER TAL ACCIbN POR PARTS DEL i Eats comunicado proviane (le BAC Home Loans Servidng, LP, la compaRle de Bank of America qw adminlatre au prbatamo hipoiacario PRESTAMISTA. SOLICITAR PROTECCION BAJO LA LEY FEDERAL DE BANCARROTA. Su pr~stemo se encuentra en a do de incumplimiento. Segun los documentos de su pr~atamo, BAC Home Loans Servicing, LP pueds, entrer y Ilevar a cabo una 1 specdbn sobre su propfedad. EI propbslto de tat inspecclbn es de (i) observer la condicibn fisica de su propfedad, (II) vertticar que I propfedad eats ocupeda y/o, (III) determiner la Identldad dei ocupante. SI usted no remedla el incumplimiento antes de Ilevars• a bo la inspsccibn, otres acclones (las cuales incluyen pero no se Iimitan a la preparadbn invernal, aaegurar la pratecdbn de la propl dad, y servlclos de valoracibn) pueden Ilevarse a cabo pare proteger los knteresea dal acreedor hipotecario. Los gastos de tales nspsaciones reenclonadas anteriormente y los estuerzos ds preserver la propfedad ser5n oobredos a su cuenta asi propo ionadas en su Instrumento de seguridad. SI no le es poslbfe remediar el in mplimlento en o antes c)el February 2, 2011, BAC Home Loans Servlcing, LP qulere que usted estA consclente de las varlas opdo a que pueden aerie dlsponlbles po r medlo de BAC Home Loans Servbing, LP pare prevenir la vents de una eJecudbn hlpotecarla solxe su propfedad. Por eJempb: • Plan de Pago: Es m poslble que usted sea eleglble pare alguna forma de asistencla de pago por medlo de BAC Home Loans 3ervidn LP. Nuestro plan b~fco requlere que BAC Home Loans Servicing, LP redba, por adel8ntado, por to memos la's de la cantidad necesaria pare goner la cuenta al dla, y que el seldo de la cantldad vencida se pague Junto con el pago me al normal sobre un perlodo de tiempo definido. Otros planes de pag4 tambiAn est~n dfapon(bles. • McdNicaclbn del P limo: O, es poslble que los pagos mensuales normales puedan reducirae por medio de una modiflcacibn del p mo al reductr la teas de InterSs y agregar los pagos atrasados al aaldo actual del pr6stsmo. Sin embargo, eats attem Iva de eJecucibn hipotecarla estA Ifmttada a clertns tlpoa de prbstamos. • Venter de su Propied O, sl estart dispuesto(a) a vender su case pare evttar una eJecucibn hipotecarta, es posible que la vents de su case se~pruebe por medio de BAC Home Loans Servicing, LP sun al su case vale memos de to que se dabs en ester. • Escrttura en Lugar d~ EJecudbn de Hipoteca: O, si su propfedad est8 Iibre de grevimenes y si el Incumplimlento es debido a series prfv donee finanderas las cuales satin mAs allA de su control, tal vez sea elegible de pasar su propfedad directamen B al Poseedor dei Pagari y suffer la vents de eJecudbn hlpotecaria. Si tiene inter~§s en platbar sobre al una de sates atternatlvas de eJecuclbn hfpotecarfa con BAC Home LOAns Servicing, LP, necesita comunicarae con nosotros inmedi 4$mente. Si pide asistenda, BAC Home Loans Servicing, LP necesttardi eveluar sl la asistencia le serf otorgada. Por to tonto, BAC jiome Loans Servbing, LP ejerceri todos sus derechos y remediosl bajo los documentos del prbstamo y asi pemtttldo por la ley a memos que de to contrario se acuerde por escrtto. La falls de. goner su pr~stamo al dfa a entrar en un acuerdo por escrito Februa 2, 2011 asl mencbnado anteriormente resultari en la aceleraclbn de la deuda. EI tiempo es esendal. SI usted ens algunas preguntas concemlentes a ester notiflcacibn, por favor comuniquese con la Loan Counseking Center Inmedlatamerrt el 1-800-889-6654. Ese comunicado proviene de BAC Horne Loans Servidnp, LP, la compaifia de Bank of America qua administre au pr~stemo hipoecario. Documento Adjunto: Lista Detallada de Cargos y Honorarios Cargos Mensuales: 11/01/2010 - 11/30/2010 ~ $908.82 $906.82 12/01/2010 - 01/31/2011 ® $811.80 $1,823.80 Recarg ,gib Pagos Tardios: 11/01/2010 - 12/31/2010 ® $30.59 $61.18 Otros. Cargos: Carg por tardanza no colectados: $0.00 RET~RN PAYMENT FEE $20.00 Pag Parclal: ~ ($0.001 CANTIDAD TOTAL: ;2,611.80 Eeb cortwnk:ado provi~r-e de BAC Home Loans Servidnp, LP, la compe/fia de Bank of America que admirdstra eu prbs~mo hipoiecatio. 716 9006 9294 8970 9865 CONSUMER CREDIT COU1vSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS oT Wsstem PA 2000 Unglaatovm Roved HsMsburg, PA 17102 888.511.2227 888.511.2227 Community Action Commisalon ot~ Ceptlel Regian 1514 Dsn•y Street HeMaburg, PA 17104 717.232.9757 Meranatha PHFA 43 Phfladslphia Avenue 211 North Front 3traet Weynssboro, PA 17288 HeMSburg, PA 17110 717.782.3285 717.780.3940 800.342.2397 PA Intartelth Comm~mity Programs Inc 40 E HIS 3trost Geitytbury, PA 17325 717.334.1518 Eats eomuMcado pravlene de BAC Home Lwns Servldng, LP, le compaAfa de Bank of Amsdoe qua edministra su prdstsmo hipotscarlo. JULY 25, 2011 ACT 91 NOTICE 'AKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Specific information about the nature of the default is Rrovided in the attached~a¢es. meet with the Counseling Agencv. This Notice con legal information. If you have any questions, representatives at the Consumer Credit Counseling Age ey maybe able to help explain it. You may also want to contact an attorney in your a. The local bar association maybe able to help you find a lawyer. ~LA NOTIFICAC ON EN ADJUNTO ES DE SUMA 1MORTANCIA., PUSS AFECTA SU DERECHO A C I!JTINUAR VIVIENDO EN SI CASA. SI NO COMPRENDE EL CONTENIDO D ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMIvIEDIAT LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AG CY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBI;E P UN PRESTAMO POR EL PROGRAMA LLAMADO " HOMEOWER' S EMERGENCY bRTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE DALVAR SU CASA DE LAP I~DOD DEL DERECHO A REDMIR SU HIl'OTECA. MORTGAGOR' NAME: Victoria Salazar MAII.ING ADD SS: 601 Lowther Street, Lemoyne, PA 17043 LOAN ACCT N .: ORIGINAL L ER/SERVICER: Bank of America, N.A CURREN'I~L !ER/SERVICER: Bank of America Mortgage {00609355} IF YOU COMPL WITH THE PROVISIONS IF THE HOMEOWNER'S EMERGENCY MORTGAGE AS ISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY ORTGAGE ASSISTANCE: IF OUR DEFAULT HAS BEEN CAUSED BY CUMSTANCES BEYOND YOUR CONTROL IF YOU HAVE A REASONABLE PROSPECT OF B ')(NG ABLE TO PAY YOUR MORTGAGE P YMENTS, AND YOU MEET OTHER ELIGIBILITY ;MENTS ESTABLISHED BY THE ~VANIA HOUSING FINANCE AGENCY FO Under the Act, you are entitled to a.temporary stay of foreclosure on yo imortgage forthirty-three (33) days from the date of this Notice. I}uring that time you must arrange and d a "face-to-face" meeting with ono of the consumer credit counseling agencies listed at the end of 's Notice. THIS MEETING MUS.T_000UR WITSIN_TSE ICT C33) DAYS. C E A - If you meet with one of the consumer credit counseling agenci ~ listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the to of this meeting. The names. addresses and telephone numbers of desi i 'ce: It is only necessary to schedule one face taface meeting. Advise your lender immediatelX.,of your intentions. R R CE -Your mortgage is in default for the reasons set forth later in this otice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistanc from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign d file a completed Homeowner's Emergency Assistance Program. Application with consumer credit c tinseling agencies have applications for the program and they will assist you in submitting a comp ere application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postm ked within thirty (30) days of your face-taface meeting. YOU MUST .YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO;NOT F LLOW THE OTHER TIME~PERIODS SET.~'ORTH.IN.THI5 LETTER, FOREGi.OS MAY PROCEED AGAINST YOUR HOME IlVIlI~DIATELY AND YOUR AP LIGATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. {00609355} AG)gNNCY ACTIOI4~t- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Ag~ncy under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after-its receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the requirements set forth above. You will be otified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YO ARE CUR[tENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPT ,THE FOLLOWING PART IF THIS NOTICE IF FOR INFORMATION PURPOSES ONL AND SHOULD NOT BE CONSIDERED AS AN A ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy yon can still apply far Emergency Mortgage Assistance.) HOW TO CURE SOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF TH)a DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 601 Lowther Stree~; Lemoyne, PA 17043 IS SERIOUSLY IN pEFAULT because: YOU HAV~ NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months are now past due: 1-Monthly ~yment(a~ $906.82 8-Monthly gyments @ $ 811.80=$6,494.40 Late Charg '_ $91.77 Escrow Bal co=$152.17 Corporate ense=$105.00 Suspense B ce= (-$0) TOTAL A1~OUNT PAST DUE: $7,750.16 HOW TO CUR DEFAULT- You may cure the default within THIIZTY-THREE (33) DYS of the date of this noti e~ BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS' 57,750. 6 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH {00609355} Bank of America. Mortga¢e 475 Crose]Point ]Parkway Pfl Boa 900 Getzville. N.Y 148C-8-9000 IF YOU $O $E,~'AULT - If you do not cure the default within THIRTY-THREE (33}DAYS of the late of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. T `~ means that the entire outstanding balance of this debt will be considered due immediately and y may lose the chance to pay the mortgage in monthly instalhnenta. If full payment of the total amount p st due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start 1 action to foreclose upon your mortgaged property. Sheriff to pay off delinquency befor reasonable attorne started against yoi even if they execs may also include c DAY period, you balance and all default within the the right to cure t] may do so by PaY attorney's fens an performing any o1 this notice will ri AGE IS FORECLOSED UPON -The mortgaged property will be sold by the C mortgaged debt. If the lender refers your case to its attorneys, but you cure the the lender begins legal proceedings against you, you will still be required to pay the 's foes that were actually incurred, up to $50.00. However, if legal proceedings are . .you will have to pay all reasonable attorney's fees actually incurred by the lender ffi50.00. Any Attorney's fees will be added to the amount you owe tho lender, which her reasonable costs. If you cure the default within the THIRTY-T~2EE (33) Kill not be required to pay attorney's fees. tEIVIEDIES -The lender may also sue you personally for the unpaid principal sums due under the mortgage. ' ' - If you have no cured the TY (30) DAY period and foreclose proceedings have begun, you will still have default and prevent the sale at any time up to one hour before the Sheriffs Sale. You g the total amount then past due, plus any late or charges then due, reasonable costs connected with the Sheriff s Sale as specified in writing by the lender and by ar roquirements under the mortgage. Curing the default in the manner set forth in thre your mortgage to the same position as if you had never defaulted. ' - It is estimated that the earliest date that such a Sheriffs Sale of a mortgage property could be held would be approzimately FIVE' (~ months from the date of this N tire. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, th amount needed to cure the default will increase the Longer, you wait. You may fmd out at any time a Qtly what the required payment of the action will be by contacting the lender. Bank of America PO Box 9000 '~ Getzville, N.Y 14068-9000 u be : 1-800-846-2222 r: 1-716-635-7263 C tact on: Karen Michelson {00609355} ~T OP' 71 - '5 SALE -You should realize that a Sheriff's Sale will end your ownership of the m rtgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's ~~te, a lawsuit to remove you and your furnishings and other belongings could be started by the lend 'at any time. ,jT,~+~' xA~ -You may or 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 it at the sale and that the other requirements of the mortgage are satisfied. Please co feet: Bank of erica 1-800-285- 000 YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PRPERTY TO OBTAIN MONEY TO PAY OFF TI3E MORTGAGE DEBT OR TO BORROW MONE FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF TO HAVE THE RTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF OU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DE AULT MORE THAN THREE TIlv1ES IN ANY CALENDER YEAR) TO ASSERT THEONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDINGS OR ANY OTHER LA SUTT INSTITUTED UNDER THE MORTGAGE DOCUMENTS TO ASSERT ANY OTER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW CONSUMER CR~DIT COUNSELING AGENCIES SERVING YOUR COUNTY IS INCLUDED. Michael J. Milstead;'L Milstead & Associates, LLC {00609355} This is an attempt thax purpose. Unl you dispute the va valid. If you noti! the debt, or any pc mail you a copy o: grants you certain this debt. If you a Trade Commissio office in writing o with a name and a y a debt collector to collect a debt. Any information obtained will be used for s you notify this office within thirty (30) days after receiving this notice that dity of the debt or any portion thereof, this office will assume that this debt is this office in writing within thirty (30) days from receiving this notice that 'don thereof, is disputed, this office will obtain verification of the debt and uch verification. Collection agencies are regulated by federal law which. ghts. One of these is right to have us cease communication with you about us in writing to cease, we will. This law is administered by the Federal Division of Credit Practices, Washington, DC 20580. If you request this thin thirty (30) days after receiving this notice, this office will provide you 3ress of the original creditor, if di~'erent from the current creditor. {00609355} HEMAP Consu~er Credit Counseling Agencies CUMBERLAND Cou Report leaf updated: 1/28/2011 :38:10 AM CCCS of Western PA 2000 t.ingfeetown Road Harrisburg, PA 17102 ~ 888.511.2227 Community Action Commtesic}n of Capital Region 1514 Derry Street HaMatwrg, PA 17104 717.232.9757 Mannatha 43 Pt4ladelphfa Avenue ', Waynesboro, PA 17288 717.762.3285 PA irrterlaith Community Prog~xns Inc 40 E High Street I, Gettysburg, PA 17325 ', 717.334.1518 PHFA 211 North Front Street ', Hartbburg, PA 17110 717.780.3940 800.342.2397 1664 THE COURTS ~~~ HSBC Bank USA, Trustee for the Ce Securities Corp. H Series 2006-NC2, Certificates 475 Crosspoint Pay Getzville, NY 14( Vs. Francisco Salazar 601 Lowther Stre~ Lemoyne, PA 17( and Victoria Salazar 601 Lowther Str Lemoyne, PA 1'. ational Association, as ~ IN THE COURT OF COMMON PLEAS ficateholders of the ACE ;CUMBERLAND COUNTY, le Equity Loan Trust, ~ PENNSYLVANIA ;set-Backed Pass-Through p~_ ~ ~ ~~ CIVIL ~-~ ~ r-- "° te ~ ~ t- c r - x -'~ ,~~ ~. ~ z ~'~ ~ ~ ~ -< w NOTICE pF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have teen served with a foreclosure complaint that could cause you to lose your home. If you o and live in the residential property which is the subject of this foreclosure action, you may able to participate in acourt-supervised conciliation conference in an effort to resolve this matte with your lender. If you do of have a lawyer, you must take the fol~wing steps to be eligible for a conciliation conf Bence. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn egal Services at (717) 243-9400 extension 2510 or (800) 822-5288 extension 2510 and request pointment of a legal representative at no charge to you. once you have been appointed a legal presentative, you must promptly meet with that legal representative within twenty (20) days f the appointment date. During that meeting, you must provide the legal representative wit in twenty (20) days of the appointment date. During that meeting, you must provide the legal r presentative with all requested financial information so that a loan resolution proposal can be p pared on your behalf. If you and your legal representative complete a i•ENNSYLVANIA BULLETIN, VOL. 42, N0.13, MARCH 31, 2012 financial workshe t in the format attached hereto, the legal representative will prepare and file a Request for Conci iation Conference with the Court, which must be filed with the Court within sixty (64) days of he service upon you of the foreclosure complaint. If you do so and a conciliation confe ence is scheduled, you will have an opportunity to meet with a representative of your lender in 'attempt to work out reasonable arrangements with your lender before the mortgage foreclos a suit proceeds forward. If you are ' presented by a lawyer, you and your lawyer must take the folbwing steps to be eligib 'for a conciliation conference. It is not necessary for you to contact MidPenn Legal S ice for the appointment of a legal represenative. However, you must provide your lawy r with all requested financial information so that a loan resolution proposal can be prepared o your behalf. If you and your lawyer complete a financial worksheet in the format attached h r~to, your lawyer will prepare and file a Request for Conciliation Conference with the Court, w ich must be filed with the Court within sixty (b0) days of the service upon you of the foreclosure nmplaint. If you do so and a conciliation conference is scheduled, you will have an opportun' y to meet with a representative of your lender in an attempt to work out reasonable arrang ~nents with your lender before the mortgage foreclosure suit proceeds forward. IF YOU ESH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE ST REQUIRED BY THIS NOTICE. THIS PROGRAM IS E. ~', Res ec mute f, Date ~ a esner E wire Milstead & Asso iate LLC ', 220 Lake Drive ast, uite 301 '' Cherry Hill, NJ 0 0 ', 856-482-1400 856-482-9190 (fj ~I ', PENNSYLVANIA BULLETIN, VOL. 42, N0.13, MARCH 31, 2012 THE COURTS FORM 2 County Residential Mort=age Foreclosure Diversion Program Financial Worksheet Date Cumberland County C curt of Common Pleas Docket # 1665 BORROWER RE tJEST FOR HARDSHIP ASSISTANCE To complete your quest for hardship assistance, your lender must consider your circumstances to determine possi le options while working with your Please provide the. tbllowin~ information to the best of your knowledge: Borrower name(s): ', Property Address: City: Is the property for sal? Realtor Name: Borrower Occupied? 'i Mailing Address (if d~fferent): City: ', Phone Numbers: Email: # of people in househ~l~l: Mailing Address: !, City: Phone Numbers: Email ' # of people in horaseh~ First Mortgage Le Type of Loan: Loan Nuctlber: _ Second Mortgage Type of Loan: _ Loan Number: Total Mortgage P Date of Last Payn Is the loan in Bankru~ 45.16262 State: Zip: Yes ^ No ^ Listing date: Price: $ Realtor Phone: Yes ^ No ^ State: Zip: Home: Office: Cell: Other: How State: Zip: Home: Office: Cell: Other: How der: ants Amount: $ Fault: tcy? Yes ^ No ^ Included Taxes & Insurance: PENNSYLVANIA BULLETIN, VOL. 42, N0.13, MARCH 31, 2012 Date You Closed Your Loan: 1666 If yes, provide names, THE COURTS of court, case number & attorney: _ Assets Home: Other Real Estate: Retirement Funds: Investments: Checking: Savings: Other: Automobile #1: M Amount Owed: _ Automobile #2: M Amount Owed: Year: Monthly Income Name of Employees: 1. 2. 3. Amount Owed: Value: Value: Owed: Value: Year: Year: Model: Value Additional Income De 1. 2. Borrower Pay Days:_ MontWy Ezaeoses: Co-Borrower Pay Days:_ only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mo a e Food 2 M a e Utilities Car Pa ens Condo/Nei .Fees Auto Insurance ~ Med. (not covered) Auto fueUr ' s Other o . ent Install. Loan Pa en Cable TV Child Su Alim. S din Mon Da /Child CareJTuit. Other E enses Amount Available f Monthly Mortgage Payments Based on Income & Expenses: Have you been work' g with a Housing Counseling Agency? Yes ~ No ^ I~ If yes, please provide the following information: Counseling Agency: Counselor: Phone (OiI'ice): Fax: 45.16262 scription (not wages): monthly amount:- monthly amount:- PENNSYLVA1vIA BULLETIN, VOL 42, NO. 13, MARCH 31, 2012 2 THE COURTS Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ^ No ^ If yes, please indicate f he status of the application: Have you had any prier negotiations with yow lender ~ lender's loan servicing company to resolve your delinquency? Yes ^ No ^ If yes, please indicate ~Che status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Na~-e): Servicing Company (2~tame): Contact: UWe, named evaluating my finan~ obligation to use the Phone: authorize the above to use/refer this information to my lender/servicer for the sole purpose of situation for possible mortgage options. UWe understand that Uwe am/are under no provided by the above named Borrower Signature ~ Date Co-Borrower Signatu#e Date Please forward this ~ocnment along with the following information to lender and lender's counsel: / Proof of income / Past 2 bank statements / ', Proof of any ezpected income for the last 45 days / Copy of a current utility bill / ', Letter ezplaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the i~~ Phone: market) 45.16262 MILSTEAD & ASISOCIATES, LLC BY: Patrick J. Westner, Esquire ID No. 203145 220 Lake Drive Ea' ,Suite 301 Cherry Hill, NJ 08102 (856) 482-1400 !, Attorney for Plaintiff File: 45.16262 HSBC Bank USA ~iational Association, as ~ COURT OF COMMON PLEAS Trustee for the artificateholders of the ;CUMBERLAND COUNTY ACE Securities C rp. Home Equity Loan Trost, Series 2 NC2, Asset-Backed Pass- Through Certifi tes 475 Crosspoint P rkway Getzvilk, NY 14 8, No.: Plai~tiff, ~ CIVIL ACTION/RESIDENTIALQWNER OCCUPIED MORTGAGE Vs. !, ~ FORECLOSURE Francisco Salami 601 Lowther St t ' Lemoyne, PA 17 3, and Victoria Salazar 601 Lowther Str Lemoyne, PA 17 NOTICE You have been the foN~ring p complaint and ~ by attorney and claims set forth proceed wfthou without further claim or reef n rights importan~ YOU SHOULD HAVE A LAW WHERE YOU t ued in court. ff you wish to defend against the claims set forth in ges, you must take action within twenty (20) days after this Mice are served, ~by entering a written appearance personally or ding in writing with the Court your defer~es or ob~ject~ns to the against you. You are warned tha# if you fail to do so the case may you and a judgment may be entered against you by the court Mice for any money claimed in dte complaint or for any other ~ussted by the plaintiff. You may lose money or pr©perty or other to you. -E THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT GET LEGAL HELP. IF YOU GANNO AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU NVITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.. Cumberland Count Y Bar Association 32 S. Bedford Str et Carlisle, PA 1701 717-249-3166 MOTE ~!UftSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This com unication is from a debt collector. This is an attempt to collect a debt and any in hrmation obtained will be used for that purpose. 2. Unless y w dispute the validity of this debt, or any portion thereof, within 30 days after re ' eipt of this notice, the debt will be assumed to be valid by our offices. 3. ff you no ify our offices in writing within 30 days of receipt of this nice that the debt, o any portion #hereof, is dispu#ed, our offices wNl provide you with vet~ficat~n of debt or copy of the Judgment against you, and a copy of such verification or j ' ment will be mailed to you by our offices. HSBC Bank USA, National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass-Through Certificates Plaintiff v. Francisco Salazar and Victoria Salazar, Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYLVANIA . C ~ ~ 3 N ~ Docket No. 12-5780 Z~ r- -+ -am i x rx ~ y ~+ CIVIL ACTION- z~ ~ cr ~c'~ ' MORTGAGE FORECLOSU~ ~ ' --ir' D -< ~ ~? REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012, governing the. Cumberland County Residential Mortgage Foreclosure Diversions program, the undersigned hereby certifies as follows: 1. Defendant is owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendants primary residence; 3 Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in acourt-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to /authorities. ignature of Defendant's Counsel ppointed Legal Representative Signature of Defendant 1 Signature of~ Defendant Date ~~~ ~, 'Z --- - --- Date ~ ,., r, _~ C. ~ ~ 'zC'r 9 ~~: _ Date ~------ ---- HSBC Bank USA, National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass-Through Certificates IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYLVANIA Plaintiff v. Francisco Salazar and Victoria Salazar, Defendants Docket No. 12-5780 CIVIL ACTION- :MORTGAGEFORECLOSURE CERTIFICATE OF SERVICE 1, Jaime M. Haley, Esquire, of MidPenn Legal Services, attorney for the Defendants, Francisco Salazar and Victoria Salazar, hereby certify that I am serving a copy of the Praecipe for Entry of Appearance and Request for Conciliation Conference on the Plaintiff, through their attorney, on the following date and in the manner indicated below: U.S. First Class Mail, Postage Pre-Paid Patrick J. Wesner, Esq. Milstead & Assosciates, LLC 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 MIDPENN LEGAL SERVICES o~ DATE: ~ n ~~..~~2~1Z ~ _-~_~,'F ~~E'C. ~ C .- ~-~~~.c.s~ J ime M. Haley, Esquire Attorney for Defendants Supreme Ct. ID # 205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 HSBC Bank USA, National Association, as Trustee for the Certificateholders of she ACE Securities Corp. Home Equity Loan 'T'rust, Series 2006-NC2, Asset-Backed Pass-Through Certificates Plaintiff ~. Francisco Salazar and Victoria Salazar, Defendants IN THE COURT OF COMMON PLEAS :CUMBERLAND COUNTY, PENNSYLVANIA Docket No. 12-5780 ~ ® +`' N --- Zr~D-e n ~r ~ N v CIVIL ACTION- ~ c a ° d z MORTGAGE FORECLOSUI~~ ~ rn ~~ 4y e -~ ~ PRAECIPE FOR ENTRY OF APPEARANCE ~ c~ TO THE PROTHONOTARY: Please enter the appearance of MidPenn Legal Services on behalf of the Defendants, Francisco Salazar and Victoria Salazar, in the above matter, representing the Defendants in the Cumberland County Residential Mortgage Foreclosure Diversion Program. Respectfully Submitted, DATE: !~%1~~"~~~~r'2 MIDPENN LEGAL SERVICES Jaime M. Haley, Esquire Attorney for Defendant Supreme Ct. ID # 205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (? 17)243-9400 HSBC Bank USA, National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass-Through Certificates IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PE,NNSYI_VAI`1IA Plaintiff v. Dacket No. 12-`i780 Francisco Salazar and Victoria Salazar, :CIVIL ACTION- Defendants :MORTGAGE FORECLOSURE c~ c -~3 PRAECIPE FOR ENTRY OF APPEARANCE _~ TO THE PROTHONOTARY: Z~ wr" ..~a r a b~ z" ca A'~ x N *;. rv w -~c a w ~v Please enter the appearance of MidPenn Legal Services on behalf of the Defendants, 0 -~; -i m ~rn ~© c~ , -~ o~ o~ --~~' ~Y~ Francisco Salazar and Victoria Salazar, in the above matter, representing the Defendants in the Cumberland County Residential Mortgage Foreclosure Diversion Program. Respectfully Submitted, MIDPENN LEGAL SERVICES f ~... DATE: )^. ~~ ~''(Z`~' ~`~_ ~~''~K~.ii.~t,~_.I? ..-'~~`~ ~i~-(~_~ J ime M. Haley, Esquire ~~ Attorney for Defendant Supreme Ct. ID # 205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 HSBC Bank USA, National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan 'Trust, Series ?006-NC2, Asset-Backed Pass-Through Certificates Plaintiff ~. Francisco Salazar and. Victoria Salazar, Defendants 1N THE COURT OF COMMON PLEAS CL7MBERLAND COUNTY, PENNSYLVANIA Docket No. 12-5780 CIVIL ACTION- MORTGAGE FORECLOSURE CASE MANAGEMENT ORDER AND NOW, this 3~ day of De~oLy-t 2012, the defendant/borrower in the above- captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. "The parties and their counsel are directed to participate in acourt-supervised conciliation Conference on (~ /y, t'}/ at /O~~arrr in (;,~Q,_7 # _ at the Cumberland County Courthouse, Carlisle, Pennsylvania. ?. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendant!borrower must serve upon the Plaintiff/lender and its counsel a copy of the 'Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant/borro~~~er. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made and may be extended. Upon notice to the Court of the defendant:/borrower's failure to serve the completed Form ~~ with the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of i:he plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4, At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a~ reinstatement; paying off the mortgage; proposing a -' forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in e~:change for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. ~. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. DISTRIBUTION: Jaime M. Haley, Esquire MidPenn Legal Services 401 E. Loather Street, Ste 103 Carlisle, PA 17013 For the Defendant / Patrick J. Wesner, Esq. Milstead &: Assosciates, LLC 220 La1ce Drive East, Saite 301 Cherry Hill, NJ 08002 For the Plaintiff ~~ <~ ~ n~ ~ _.. `~ -~; cn ~ -< ~" '~ ~ ~' r-, .'°~ ~-~ fi,: ~- . ~, -. 0 n -~ w m C.~"i -; -,-, r-r ~: "~ ('7-: ~ ~~ -' ,~, J'T't --- L:a~: ~p; es w~a, lccl l%l~ia.. -< ,!'.f~ BY THE COURT, HSBC BANK USA, NATIONAL ASSOCIATION, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset- Backed Pass-Through Certificates, Plaintiff vs. FRANCISCO SALAZAR and VICTORIA SALAZAR, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 12-5780 CIVIL IN RE: CONCILIATION CONFERENCE Present at a conciliation conference were Nathan C. Wolf, Esquire, local counsel for the plaintiff, and Jaime Haley, Esquire, attorney for the defendants. The bank still requires two classes of documents; namely, an updated tax return relief (Form 4506) and recent pay stubs. These documents will be forthcoming within ten (10) days. A continued conciliation conference is set by order of even date herewith. ORDER AND NOW, this 72- b' day of February, 2013, continued conciliation conference is set for Wednesday, April 17, 2013, at 3:00 p.m. in Chambers of the undersigned. BY THE COURT, Nathan C. Wolf, Esquire For the Plaintiff Jaime Haley, Esquire For the Defendant t)(p,. r ? 1i, . /r:_ i .:1 13 A. Hess, P. J. 7 GlL" L. HSBC BANK USA,NATIONAL IN THE COURT OF COMMON PLEAS OF ASSOCIATION, as Trustee for the CUMBERLAND COUNTY, PENNSYLVANIA Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset- CIVIL ACTION - LAW ZZ Backed Pass-Through Certificates, ;zryl Plaintiff NO. 12-5780 CIVIL gym - , : -<> w VS. �, Zr ZZ. FRANCISCO SALAZAR and VICTORIA SALAZAR, Defendants IN RE: CONCILIATION CONFERENCE Present at a conciliation conference were Nathan C. Wolf, Esquire, local counsel for the plaintiff, and Jaime Haley, Esquire, attorney for the defendants. It appears that the bank has all the documents that are required and plaintiff's counsel is under the impression that the matter is under review. The plaintiff has relayed a request for yet another conciliation conference, to which there is no objection. ORDER AND NOW,this 31 day of May, 2013, continued conciliation conference is set for Friday, July 26, 2013, at 3:15 p.m. in Chambers of the undersigned. BY THE COURT, Kevi A . Hess, P. J. "Nathan C. Wolf, Esquire For the Plaintiff ----Jaime Haley, Esquire For the Defendant l �! �/Yl HSBC BANK USA,NATIONAL IN THE COURT OF COMMON PLEAS OF ASSOCIATION, as Trustee for the CUMBERLAND COUNTY, PENNSYLVANIA Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset- CIVIL ACTION - LAW Backed Pass-Through Certificates, Plaintiff NO. 12-5780 CIVIL vs. FRANCISCO SALAZAR and VICTORIA SALAZAR, Defendants IN RE: CONCILIATION CONFERENCE ORDER AND NOW,this 2�1 day of July, 2013, following conciliation conference, it appearing that the defendants are receiving conflicting reports from the plaintiff, further conciliation herein is continued generally pending a request by either party for a continued conference or receipt from the plaintiff of a motion to remove this from the conciliation program. BY THE COURT, Kevi . Hess, P. J. ;/1�Tathan C. Wolf, Esquire For the Plaintiff r-71 r10 ,/Jaime Haley, Esquire For the Defendant CD r", :rlm �� t.2;,f;I x K t" C3iiIONOTA5R3Y MILSTEAD & ASSOCIATES, LLC � � 6 BY: Robert W. Williams, Esquire Pty 2: 553 ID No. 315501 CUMBERLAND COUNTY 220 Lake Drive East, Suite 301 PENNS YLVA NI Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 8.16262 HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, Plaintiff, Vs. Francisco Salazar and Victoria Salazar, Defendant(s) PLAINTIFF'S PETITION TO REMOVE MATTER FROM THE RESIDENTIAL MORTGAGE FORCLOSURE DIVERISON PROGRAM TO ALLOW PLAINTIFF TO PROCEED WITH MORTGAGE FORCLOSURE Plaintiff by and through its counsel, Robert W. Williams, Esquire respectfully requests that this Honorable Court enter an Order granting Plaintiffs Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program to Allow Plaintiff to Proceed with its Mortgage Foreclosure and in support thereof avers the following: 1. Plaintiff filed a Complaint in Mortgage Foreclosure, in the above captioned matter, on or about September 18, 2012. 2. A Request for Conciliation Conference was filed by the Defendant on October 23, 2012. 3. A first Conciliation Conference was scheduled and held on December 14, 2012. 4. On July 26, 2013, an Order was docketed wherein both parties agreed that the borrower should be sent a denial letter based on review of package and ineligibility rather than incomplete documentation and the case was continued generally. Plaintiff was advised to petition for removal if a denial letter was obtained as described above. See Order attached as Exhibit"A". 5. On November 13, 2013 a Denial Letter was sent to the borrower advising Select Portfolio Servicing, Inc. was unable to grant a modification due to ineligibility. See denial letter attached as Exhibit`B". WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant Plaintiff's Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program, Allow Plaintiff to proceed with Mortgage Foreclosure. Respectfully submitted, MILS i D A ,1 ASSOC ATES, LLC 4I\ BY: *alai. ,A. obert W. v it Tams, Esquire MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 8.16262 HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, Plaintiff, Vs. Francisco Salazar and Victoria Salazar, Defendant(s) CERTIFICATION OF SERVICE I, Robert W. Williams, Esquire, hereby certify that I have caused to be served a copy of Plaintiff's Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program to Allow Plaintiff to Proceed with Mortgage Foreclosure, by United States first class mail, postage pre-paid, on \-z, /13 , 2013, upon the following and addressed as follows: Jaime Haley 401 East Louther Street Suite 103, Carlisle, PA, 17013 (717) 243-8026 ext. 2513 jhaley @midpenn.org VVV Robert W. Wi"lams, Esquire bb b,--4-- P s -I SELECT L. 1SL-RV ICING,inc. November 13,2013 IR FRANCISCO SALAZAR 601 LOWTHER ST LEMOYNE, PA 17043 Re: Borrower Name(s): FRANCISCO SALAZAR Loan Number: 0013809447 Property Address: 601 LOWTHER STREET LEMOYNE, PA 17043 Dear Customer(s), We have reviewed your home loan for eligibility in the new principal forgiveness modification program we recently introduced as a result of the U.S. Department of Justice and State Attorneys General national mortgage settlement. Unfortunately, your home loan is not eligible for this modification program for the following reason(s): * ineligible DTI. We are unable to offer you a modification because your current monthly housing expense, which includes your loan's monthly principal and interest payments, plus property taxes, hazard insurance, and homeowner's dues (if any), are considered to be affordable under this program. If you believe our decision is incorrect, you have 30 calendar days from the date of this letter to contact us at (888) 818-6032 and provide information to show why our determination of eligibility was in error. We want to help you. Depending on your situation, we may have other modification options for you. If you have already been evaluated for these programs, you may have to show a change in your circumstances in order to qualify. If a modification is not an option,these other alternatives may also be available to you: • Short Sale - the property is listed for sale at fair market value, even if that value is lower than what you owe on the mortgage. If a buyer is identified and the property is sold, the proceeds from the sale are applied towards the mortgage debt, even if the proceeds are less than the amount owed on the mortgage. You may be responsible for any balance remaining after the sale. • Deed in Lieu of Foreclosure - you agree to transfer the title or ownership of your property to the owner or servicer of your loan in order to avoid foreclosure sale and satisfy all or a portion of the mortgage debt. The amount of debt satisfied by this transfer of ownership is based on the approved value of your home. In some cases, you may be responsible for a remaining balance of the mortgage debt over and above the approved value. These options have different requirements and guidelines, and not all loans qualify. Also, these options may offer financial assistance for your relocation. E. 00008295000841010200 Note that during the 30-day period in which you may contact us and provide information which you believe shows our decision is incorrect, we may begin or resume the foreclosure process and even conduct a foreclosure sale. You may receive foreclosure and eviction notices by mail or in person.To protect your rights under applicable foreclosure law, you may need to respond to these foreclosure notices or take other actions. If a foreclosure sale is scheduled during this 30-day period, do not assume it will be postponed. If you have any questions about the collection or foreclosure process, please call us. If you do not understand the legal consequences of foreclosure, we encourage you to contact an attorney or housing counselor for assistance. We are here to help We want to work with you to help you determine what options may be right for your individual situation. If you would like to discuss your options or your situation has changed, please call (888) 818-6032, Monday through Thursday between the hours of 8 a.m. and 11 p.m., Friday from 8 a.m. to 9 p.m., and Saturday from 8 a.m. to 2 p.m., Eastern Time. Your assigned Relationship Manager, Estefania Jorges, can be reached toll free at(888)818-6032 Ext. 36386 or by email at directcontact @spservicing.cOm. Assistance from housing counselors who are approved by the U.S. Department of Housing and Urban Development (HUD) is also available to you at no charge. To reach a housing counselor or for help in understanding this notice,you may call the HOPE Hotline Number at(888)995-HOPE. Sincerely, Select Portfolio Servicing, Inc. Este carts contiene informaciOn important°concemiente a sus derechos.Por favor,hagala traducir.Nuestros representantes bilingues estan a su disposition pare contester cualquier pregunta Ilamando al telefono(800)831-0118 y marque la option 2. Select Portfolio Servicing, Inc.is required by law to inform you that this communication is from a debt collector and any information we obtain wi l be used for that purpose.However,the purpose of this communication is to let you know about your potential eligibility for a loan modification program that may help you bring or keep your loan current through affordable payments. Minnesota—This collection agency is licensed by the Minnesota Department of Commerce New York City—Collection Agency License#1170514 MILITARY PERSONNEUSERVICEMEMBERS: If you or your spouse is a member of the military,please contact us immediately.The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure and interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at(888)818-6032. If you are currently in a bankruptcy proceeding,or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program.You should consult with your bankruptcy attorney or other advisor about your legal rights and options. In addition, if you are currently in a bankruptcy proceeding, approval of any program for which you may be eligible is contingent on approval by the bankruptcy court in your bankruptcy case. Rit 0008295000841020200 SPSELECT Portfolio SE CING,inc. November 08, 2013 TO: Francisco Salazar 601 Lowther St Lemoyne, PA 17043 RE: Loan Number 0012509447 Property Address 601 Lowther Street Lemoyne PA 17043 Dear Customer(s) Select Portfolio Servicing, Inc. (SPS) is the mortgage servicer on the above referenced account_ This notice is sent to you pursuant to the terms of your Adjustable Rate Mortgage and as required by the Real Estate Settlement Procedures Act (RESPA) . The terms of your Adjustable Rate Mortgage provide for possible interest rate, and principal and interest payment adjustments. In accordance with the provisions of the Adjustable Rate Mortgage, you are hereby notified that effective December 01, 2013, the new interest rate will be 7.95000%. Beginning with the January 01, 2014 payment, the new principal and interest payment will be $ 610.71 . Effective January 01, 2014, the new monthly payment, including principal, interest and applicable taxes and insurance will be $ 905.81 . To help you understand this change, and the effect it will have on the monthly mortgage payment, please note the following: Prior interest rate: 7.95000% Index Value: 0.00000% New (current) interest rate: 7.95000% Index` Value: 0.35490% New (current) principal and interest payment: $ 610.71 Fully calculated rate (no cap limitations) : 6.37500% Index: WA:,LSTREET JOURNAL LIBOR 6 MONTH/1ST BUS DAY Margin: 6.05000% Current account balance: 80,155.21 Account balance at payment change date (if payments are made as scheduled). $ 76,681.42 Next interest rate adjustment date: 06-01-14 Next payment adjustment date: 07-01-14 Remaining term: 270 Months Interest rate is rounded to the nearest .12500 119u 13312283001347010200 If you have any questions or concerns, please contact our Customer Service Department. Our toll-free number is (800) 258-8602, and representatives are available Monday through Friday between the hours of 7 a.m. and 8 p.m. , and Saturday from 8 a.m. to 12 p.m. , Eastern Time. Sincerely, Select Portfolio Servicing, Inc. Esta carta contiene informaci n importante concerniente a sus derechos Por favor, h gala traducir. Nuestros representantes bilingues est n a su disposici n para contestar cualgnier pregunta llamando al tel fono (800) 831-0118 y marque la opci n 2. This information is intended for informational purposes only and is not considered an attempt to collect a debt. -AW001 083/CPIisu 0:• 13312083001397020100 . E.-, sh B HSBC BANK USA,NATIONAL : IN THE COURT OF COMMON PLEAS OF ASSOCIATION,as Trustee for the : CUMBERLAND COUNTY,PENNSYLVANIA Certificateholders of the ACE Securities Corp. Home Equity Loan : Trust,Series 2006-NC2, Asset- .• CIVIL ACTION-LAW Backed Pass-Through Certificates, : Plaintiff : NO, 12-5780 CIVIL vs. FRANCISCO SALAZAR and VICTORIA SALAZAR, Defendants • IN RE: CONCILIATION CONFERENCE ORDER AND NOW,this 2'�l'` day of July,2013, following conciliation conference, it appearing,that the defendants are receiving conflicting reports from the plaintiff,further conciliation herein is continued generally pending a request by either party for a continued conference or receipt from the plaintiff of a motion to remove this from the conciliation program. BY THE COURT, Kev' .Hess,P.J. Nathan C. Wolf,Esquire For the Plaintiff c) Jaime Haley,Esquire rnco For the Defendant a ::, ; (J>F N P r-r :rlm , -, -b as,: c-.) zt-. =d wry > N X � N J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA-CIVIL ACTION HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan : Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, �-",Co rri Plaintiff, Vs. :' Francisco Salazar and ` j - Victoria Salazar, ' Defendant(s) ORDER AND NOW to wit this /9 day of ��,r,.dw- , 2013 it is hereby ORDERD AND DECREED that this matter is removed from the Residential Mortgage Foreclosure Diversion Program and Plaintiff may proceed with its Mortgage Foreclosure. 10L J. • MILSTEAD&ASSOCIATES,LLC BY: Robert W. Williams,Esquire ID No. 315501 Lj I E. Stow Road Marlton,NJ 08053 FED 2.7 A 11110: 3 (856)482-1400 File Number: 8.16262 Attorne�' Q COUNT( HSBC Bank USA,National Association,as COURT OF C6 Trustee for the Certificateholders of the ACE CUMBERLAND COUNTY Securities Corp.Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass-Through Certificates 7105 Corporate Drive No.: 2012-5780 Civil Plano,TX 75024, Plaintiff, Vs. Francisco Salazar 601 Lowther Street Lemoyne,PA 17043 and Victoria Salazar 601 Lowther Street Lemoyne,PA 17043, Defendants PRAECIPE FOR JUDGMENT,IN REM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Francisco Salazar and Victoria Salazar,Defendants,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 Plaintiff's damages as follows: As set forth in Complaint $97,714.22 Interest 8/18/12 through 02/25/14 $9,697.37 Escrow Advances $1,720.59 TOTAL $109,132.18 1 hereby certify that(1)the addresses of the Plaintiff and Defendants are as shown above and(2) that notice has been given in accordance with Rule 1. copy attached. Ro ert W.Williams,Esquire Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: -Q1Z7) P 40 HOTNOT'ARw a,i+ $��.��. MILSTEAD&ASSOCIATES,LLC BY: Patrick J. Wesner,Esquire ID No. 203145 I E. Stow Road Marlton,NJ 08053 (856) 482-1400 Attorney for Plaintiff Our file number: 8.16262 HSBC Bank USA,National Association,as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp.Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, Plaintiff, Vs. Francisco Salazar and ! Victoria Salazar, Defendants TO: Francisco Salazar Victoria Salazar 601 Lowther Street, 601 Lowther Street, Lemoyne,PA 17043 Lemoyne, PA 17043 DATE OF NOTICE: February 4,2014 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY,THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. 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 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 Page 1 of 3 office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer,this office may be able to provide you with information about _ agencies that may offer legal services to eligible persons at a reduced fee or no fee. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE,PA 17013 717-249-3166 MILSTEAD&ASSOCIATES, LLC By: Patrick J.Wesner,Esquire ID No. 203145 Attorney for Plaintiff Page 2 of 3 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Francisco Salazar 601 Lowther Street Lemoyne, PA 17043 HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, Plaintiff, Vs. Francisco Salazar, and Victoria Salazar, Defendants NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. �Nr w OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Victoria Salazar 601 Lowther Street Lemoyne, PA 17043 HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates, Plaintiff, Vs. ' Francisco Salazar, and Victoria Salazar, ; Defendants NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. 1009 1 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton,NJ 08053 (856) 482-1400 File Number: 8.16262 Attorney for Plaintiff HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- Through Certificates, No.: 2012-5780 Civil Plaintiff, Vs. Francisco Salazar and Victoria Salazar, Defendants VERIFICATION OF NON-MILITARY SERVICE Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the above-captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendants are not in the Military or Naval Service of the United States or its Allies, and/or do not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Francisco Salazar, is over 18 years of age, 3. defendant, Victoria Salazar, is over 18 years of age, . DATE: Al k5 Ro ert W. Williams, Esquire Department of Defense Manpower Data Center Results as of:Feb-25-201406:52:37 AM SCRA 3.0 Status Report Pursuant to Servicemembers Civil Relief Act Last Name: SALAZAR First Name: FRANCISCO Middle Name: Active Duty Status As Of: Feb-25-2014 On Active Duty On Active Status Date Active Duty Start Date Active Duty End Date status Service Component NA NA No NA This response reflects the individuals'active duty status based on the Active Duty'.Status Date Left Active Du Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA - NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/ier Unit Was Notified of Future Callk-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. )6iA k Pt- Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 Department of Defense Manpower Data Center Results as of:Feb-25-201406:52:51 AM SCRA 3.0 Status Report Pursuant to Servicemembers Civil Relief Act Last Name: SALAZAR First Name: VICTORIA Middle Name: Active Duty Status As Of: Feb-25-2014 - On Active.Duty On Active D uty Status Date Active'Duty Start Date Active Duty End Date Status service Component NA NA No NA This response reflects the individuals'active.duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date" Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Ca%-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early ratification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. A21 4A4_4� Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File No. 8.16262 HSBC Bank USA,National Association, as COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- No.: 2012-5780 Civil Through Certificates CIVIL ACTION Plaintiff, MORTGAGE FORECLOSURE Vs. Francisco Salazar Victoria Salazar Defendants CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendants, Francisco Salazar and Victoria Salazar on September 20, 2012 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit"A". I verify that the statements made in this affidavit are true and correct to the best of my personal-knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unworn falsification to authorities. Robert W. Williams, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff �a4.tttr n[��t�nGtyf?{r� �• ,�Oa�c� Jody S Smith Chief Deputy ; Richard W Stewart Solicitor QFPCE F TsE RIFF HSBC Bank USA, N.A. Case Number vs. Francisco Salazar(et al.) 2012-5780 SHERIFF'S RETURN OF SERVICE 09/20/2012 07:58 PM-Ryan Burgett, Deputy Sheriff,who being duly sworn according to law, states that on September 20, 2012 at 1958 hours, he served a true copy of the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program, upon the within named defendant,to wit: Francisco Salazar, by making known unto Victoria Salazar,Wife of Francisco Salazar at 601 Lowther Street, Lemoyne, Cumberland County, Pennsylvania 17043 its contents and at the same time handing to her personally the said true and correct copy of the same. RYAN BURGETT, DEPU 09/20/2012 07:58 PM-Ryan Burgett, Deputy Sheriff,who being duly sworn according to law, states that on September 20,2012 at 1958 hours, he served a true copy of the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program, upon the within named defendant,to wit:Victoria Salazar, by making known unto herself personally, at 601 Lowther Street, Lemoyne, Cumberland County, Pennsylvania 17043 its contents and at the same time handing to her personally the said true and correct copy of the same. RYAN BURGETT, DEP SHERIFF COST: $60.00 SO ANSWERS, September 24, 2012 RON r R ANDERSON, SHERIFF {c)CountySufte Sheriff,Teleosoft Inc. 3t+ l IJ,i .. ,,{ p i n, ; MILSTEAD &ASSOCIATES, LLC , i, r ,U JliONO ii.r BY: Robert W. Williams, Esquire ID No. 315501 111 i FEB 27 AMID: 3}a 1 E. Stow Road Ct.1 9BERLi. COUNTY Marlton,NJ 08053 PEP SYLMNIA (856) 482-1400 File Number: 8.16262 Attorney for Plaintiff HSBC Bank USA,National Association, as ' COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass- Through Certificates, No.: 2012-5780 Civil Plaintiff, Entry of Appearance Vs. Francisco Salazar, and Victoria Salazar, Defendant(s). ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the Plaintiff, HSBC Bank USA,National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass-Through Certificates, in the above captioned matter. III?_4 STEAD & ASSOCI' TES, LLC 1 Robert W. Williams, Esquire Attorney ID No. 315501 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA HSBC Bank USA,National Association, as 1 CIVIL ACTION Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass-Through NO.: 2012-5780 Civil Certificates, Plaintiff, PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) Vs. Francisco Salazar and Victoria Salazar, Defendants • TO THE PROTHONOTARY OF CUMBERLAND COUNTY: ; 1. Directed to the Sheriff of Cumberland County; ,{ 2. Against the Defendant(s) in the above-captioned matter; r,, c c r; 3. and index this writ against the Defendant(s) as follows: Francisco Salazar Victoria Salazar Real Property involved: 601 Lowther Street Lemoyne, PA 17043 Amount Due $109,132.18 Interest from 2/26/14 to Date of Sale at$17.41 per diem(6%) -a$_Grp pA /V" (Do. 00 Oar TOTAL 103. '75 " (Costs to be added) 1(1).50 " ao8 �(5 P� a-rr1 Respectively submitted, Mi tead & Associates, LC DATE: b� , �VtA U410 Robe W. Williams, Esquire bue Attorney for Plaintiffd"Ozs CO • 1 E. Stow Road 5o U. Marlton,NJ 08053 c x&a841 0303a13 2r- Lt)-it MILSTEAD&ASSOCIATES, LLC BY: Robert W. Williams,Esquire ID No. 315501 „ , i:., 1 E. Stow Road - Marlton,NJ 08053 ' "` ''' ' 1+2 (856)482-1400 C 3(IE Attorney for Plaintiff 1 j, 1, i1\ File Number: 8.16262 HSBC Bank USA,National Association,as COURT OF COMMON PLEAS Trustee for the Certificateholders of the ACE CUMBERLAND COUNTY Securities Corp.Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass-Through Certificates, No.: 2012-5780 Civil Plaintiff, Vs. AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 Francisco Salazar and Victoria Salazar, Defendants HSBC Bank USA,National Association,as Trustee for the Certificateholders of the ACE Securities Corp.Home Equity Loan Trust, Series 2006-NC2,Asset-Backed Pass-Through Certificates, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 601 Lowther Street,Lemoyne, PA 17043: 1. Name and address of Owners(s) or Reputed Owner(s): Francisco Salazar Victoria Salazar 601 Lowther Street 601 Lowther Street Lemoyne,PA 17043 Lemoyne,PA 17043 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: HSBC Bank USA,National Association,as Trustee for the Certificateholders of the ACE Securities Corp.Home Equity Loan Trust,Series 2006-NC2,Asset-Backed Pass-Through Certificates (Plaintiff herein) 7105 Corporate Drive Plano,TX 75024 4. Name and Address of the last recorded holder of every mortgage of record: HSBC Bank USA,National Association,as Trustee for the Certificateholders of the ACE Securities Corp.Home Equity Loan Trust,Series 2006-NC2,Asset-Backed Pass-Through Certificates (Plaintiff herein) 7105 Corporate Drive Plano,TX 75024 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Department of Domestic Relations 601 Lowther Street Cumberland County Courthouse Lemoyne,PA 17043 13 N.Hanover Street Carlisle,PA 17013 Commonwealth of Pennsylvania Department of Welfare Lemoyne Borough Tax Office P.O.Box 2675 510 Herman Avenue Harrisburg,PA 17105 Lemoyne,PA 17043 Cumberland County Tax Bureau West Shore School District 21 Waterford Drive,Suite 201 507 Fishing Creek Road Mechanicsburg,PA 17050 P.O.Box 803 New Cumberland,PA 17070 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. irt Robert W. Williams, Esquire Attorney for Plaintiff Date: /1t1 L�1.� NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S) Francisco Salazar Victoria Salazar PLAINTIFF/SELLER: HSBC Bank USA,National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass-Through Certificates DEFENDANT(S): Francisco Salazar Victoria Salazar PROPERTY: 601 Lowther Street : ; , Lemoyne, PA 17043 (Improvements erected thereon) �= JUDGMENT AMOUNT: $109,132.18 ro CUMBERLAND COUNTY No.: 2012-5780 Civil The above captioned property is scheduled to be sold at Sheriff's Sale on September 3, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. Sincerely, Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton,NJ 08053 8.16262 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire i it{ 0 }4i : i ID No. 315501 1 E. Stow Road -,,,; COUNT Marlton,NJ 08053 {�� (856)482-1400 File Number: 8.16262 Attorney for Plaintiff HSBC Bank USA,National Association, as i COURT OF COMMON PLEAS Trustee for the Certificateholders of the CUMBERLAND COUNTY ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass- ; No.: 2012-5780 Civil Through Certificates, Plaintiff, NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT Vs. TO PA.R.C.P.3129 Francisco Salazar and Victoria Salazar, Defendants TAKE NOTICE: Your house (real estate) at 601 Lowther Street, Lemoyne, PA 17043, is scheduled to be sold at sheriffs sale on September 3,2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $109,132.18 obtained by HSBC Bank USA,National Association, as Trustee for the Certificateholders of the ACE Securities Corp. Home Equity Loan Trust, Series 2006-NC2, Asset-Backed Pass-Through Certificates. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriffs Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead &Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead&Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 8.16262 ALL THEIR CERTAIN UNDIVIDED INTEREST to a lot of land situate in the Borough of Lemoyne, Cumberland County, Pennsylvania, more particularly bounded and described as follows,to wit: BEGINNING at a point on the northerly line of Lowther Street 265 feet East to the Northeast corner of 7th and Lowther Streets; thence along the line of Lot No. 17 on the hereinafter metioned plan in a northerly direction 105 feet to a point; thence along the line of Lot No. 25 on said Plan in an easterly direction 60 fet to a point; thence along the line of Lot No. 15 on said Plan in the southerly direction 105 feet to a point on the northerly line of Lowther Street; thence along Lowther Street in a westerly direction 60 feet to a point, the place of BEGINNING. BEING Lot No. 16 on Plan of section A, Waldon Terrace, which Plan is recorded in Cumberland County recorder's office in Plan Book 4,page 99. Title to said Premises vested in Francisco Salazar and Victoria Salazar, his wife by Deed from Jose Trejo and Monica A. Trejo, his wife dated 5/2/2006 and recorded on 5/10/2006 in the Cumberland County Recorder of Deeds in Book 274, Page 2326, instrument No. 2006-015695. Being known as 601 Lowther Street, Lemoyne, PA 17043 Tax Parcel Number: 12-22-0822-168 e THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA o( , DAVID D.BUELL,PROTHONOTARY \"1 V4y/.'/ ° One Courthouse Square • Suite100 • Carlisle,PA • 17013 � ` � /rye (717)240-6195 www.ccpa.net HSBC BANK USA,NATIONAL ASSOCIATION, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE ACE SECURITIES CORP.HOME EQUITY LOAN TRUST,SERIES 2006-NC2,ASSET-BACKED PASS-THROUGH CERTIFICATES Vs. NO 2012-5780 Civil Term CIVIL ACTION—LAW FRANCISCO SALAZAR AND VICTORIA SALAZAR WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $109,132.18 L.L.: $.50 Interest FROM 2/26/14 TO DATE OF SALE AT$17.41 PER DIEM(6%) Atty's Comm: Due Prothy: $2.25 Atty Paid: $208.75 Other Costs: Plaintiff Paid: Date: MARCH 20,2014 I ice _ _ David D.Buell,Prothonotary -1 /I Deputy REQUESTING PARTY: Name: ROBERT W. WiLLIAMS Address: MILSTEAD&ASSOCIATES,LLC 1 E.STOW ROAD MARLTON,NJ 08053 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No.315501 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY FoD'0F�/�� k�-�.~ ~ � / �yRONpH( TA, -;Y .~w�� .� �� =. ~* ' ,� ' 4'011 SEP °�� /O pW 2/35 , -7,-.,:yi CUMBERLAND CTPENNSYLVANIAy HSBC Bank USA, N.A. vs. Francisco Salazar (et al.) Case Number 2012-5780 SHERIFF'S RETURN OF SERVICE 06/17/2014 06:47 PM - Deputy Dawn Kell, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 601 Lowther Street, Lemoyne - Borough, Lemoyne, PA 17043, Cumberland County. 06/26/2014 11:36 AM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Victoria Salazar at 601 Lowther Street, Lemoyne Borough, Lemoyne, PA 17043, Cumberland County. 06/26/2014 11:36 AM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Francisco Salazar at 601 Lowther Street, Lemoyne 8onough, Lemoyne, PA 17043, Cumberland County. 08/29/2014 Ronny R Anderson, Shmriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $851.51 SO ANSWERS, September 05, 2014 RONR ANDERSON, SHERIFF (c) CountyStmt9 onermreleomolt,inc. On May 20, 2014 the Sheriff levied upon the defendant's interest in the real property situated in Lemoyne Borough, Known and numbered as, 601 Lowther Street, Lemoyne, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. Date: May 20, 2014 By: CLUP-C— Real Estate Coordinator LXIII 29 CUMBERLAND LAW JOURNAL 07/18/14 Writ No. 2012-5780 Civil HSBC BANK USA, N.A. vs. FRANCISCO SALAZAR Victoria Salazar Atty.: Robert W. Williams ALL THEIR CERTAIN UNDIVIDED INTEREST to a lot of land situate in the Borough of Lemoyne, Cumber- land County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the northerly line of Lowther Street 265 feet East to the Northeast comer of 7th and Lowther Streets; thence along the line of Lot No. 17 on the hereinafter mentioned plan in a northerly direction 105 feet to a point; thence along the line of Lot No. 25 on said Plan in an easterly direc- tion 60 feet to a point; thence along the line of Lot No. 15 on said Plan in the southerly direction 105 feet to a point on the northerly line of Lowther Street; thence along Lowther Street in a westerly direction 60 feet to a point, the place of BEGINNING. BEING Lot No. 16 on Plan of sec- tion A, Waldon Terrace, which Plan is recorded in Cumberland County recorder's office in Plan Book 4, page 99. Title to said Premises vested in Francisco Salazar and Victoria Salazar, his wife by Deed from Jose Trejo and Monica A. Trejo, his wife dated 5/2/2006 and recorded on 5/10/2006 in the Cumberland County Recorder of Deeds in Book 274, Page 2326, instrument No. 2006-015695. Being known as 601 Lowther Street, Lemoyne, PA 17043. Tax Parcel Number: 12-22-0822- 168. 89 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the. County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 11, July 18 and July 25, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. arie Coyne, Edit SWORN TO AND SUBSCRIBED before me this 25 day of July, 2014 Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO., CUMBERLAND CNTY My Commission Expires Apr 28, 2018 The Patriot -News Co. 19d0 Patriot Drive Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 �e 1Jatriot'Xews Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Amy Kotula, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 1900 Patriot Drive, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday "atriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, espectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular Iaily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said :ompany is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on ehalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the 'ockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 2 2.5780 CMI T m HS C BANK USA, A. vs. FRANCISCO SA R Victoria Salazar Atty: Robert W Williams ALL THEIR CERTAIN UNDIVIDED INTEREST to a lot of land situate in the Borough of Lemoyne. Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the iortherly line of Lowther Street 265 `eet East to the Northeast comer ,f 7th and Lowther Streets; thence ;long the line of Lot No, 17 on the •ereinafter mentioned plan in a ortherly direction 105 feet to a point; fence along the line of Lot No. 25 n said Plan in an easterly direction feet to a point; thence along the ne of Lot No. 15 on said Plan in le southerly direction 105 feet to a lint on the nort}ierrynnc-Lowther reet; thence along Lowther Street in westerly direction 60 feet to a point, This ad ran on the date(s) shown below: 07/13/14 07/20/14 07/27/14 Cc. a - ad subscribed before me this 20 day of August, 2014 A.D. COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Sheryl Marie Leggore, Notary Public Hampden Twp., Cumberland County My Commission Expires July 16, 2018 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES