HomeMy WebLinkAbout12-7353 -
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MILSTEAD & ASSOCIATES, LLC "~
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BY: Patrick J. Wesner, Esquire
ID No. 203145
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220 Lake Drive East, Suite 301 } L i.~iJ l ~.r11~IH
Cherry Hill, NJ 08002
(856) 482-1400 Attorney for Plaintiff
File: 76.21127
U.S. Bank National Association, not in its COURT OF COMMON PLEAS
individual capacity, but solely as Legal CUMBERLAND COUNTY
Title Trustee for LVS Title Trust I
c/o BSI Financial Services, Inc.
7505 Irvine Center Drive ~ ) •- ~ i
Irvine, CA 92618, I ~ ~ 1
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No..
-
Plaintiff,
CIVIL ACTION MORTGAGE
Vs. ~ FORECLOSURE
Harvey Cassell a/k/a Harvey J. Cassell,
Original Mortgagor
2 Raspberry Drive
Mechanicsburg, PA 17055,
and
Raymond G. Pozoic a/k/a Raymond Pozoic
a/k/a Raymond G. Prozoic a/k/a Raymond
Prozoic, Original Mortgagor and Real
Owner
2 Raspberry Drive
Mechanicsburg, PA 17055,
Defendants
G
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2~as3~r~s
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or
by attorney and filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
800-990-9108
****~**************,~*************w*******************************************************,~********
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
1. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt, or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debtor copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our ofi•ices.
MILSTEAD & ASSOCIATES, LLC
BY: Patrick J. Wesner, Esquire
ID No. 203145
220 Lake Drive East, Suite 301
Cherry Hill, NJ 08002
(856) 482-1400
U.S. Bank National Association, not in its
individual capacity, but solely as Legal
Title Trustee for LVS Title Trust I ~,
c/o BSI Financial Services, Inc.
314 South Franklin
Titusville, PA 16354,
Plaintiff,
Vs.
Harvey Cassell a/k/a Harvey J. Cassell,
Original Mortgagor
2 Raspberry Drive
Mechanicsburg, PA 17055, i
and
Raymond G. Pozoic a/k/a Raymond Pozoic
a/k/a Raymond G. Prozoic a/k/a Raymond
Prozoic, Original Mortgagor and Real
Owner
2 Raspberry Drive
Mechanicsburg, PA 17055,
Defendants
Attorney for Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No..
CIVIL ACTION MORTGAGE
FORECLOSURE
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff, U.S. Bank National Association, not in its individual capacity, but solely as
Legal Title Trustee for LVS Title Trust I (the "Plaintiff'), is registered to conduct business in the
Commonwealth of Pennsylvania and having an office and place of business at c/o BSI Financial
Services, Inc., 314 South Franklin Street, Titusville, PA 16354.
2. Defendants, Harvey Cassell a/k/a Harvey J. Cassell, Original Mortgagor and Raymond G.
Pozoic a/k/a Raymond Pozoic a/k/a Raymond G. Prozoic a/k/a Raymond Prozoic, Original
Mortgagor and Real Owner, (collectively, the "Defendants"), are adult individuals. Raymond G.
Pozoic a/k/a Raymond Pozoic a/k/a Raymond G. Prozoic a/k/a Raymond Prozoic is the real
owner of the premises hereinafter described by virtue of a Deed dated December 21, 2010,
recorded February 2, 2011 under Instrument 201103989. The Deed is attached hereto as Exhibit
"A" and made a part hereof.
3. Defendant Harvey Cassell alk/a Harvey J. Cassell, Original Mortgagor, upon information
and belief, resides at 2 Raspberry Drive, Mechanicsburg, PA 17055. Defendant Raymond G.
Pozoic a/k/a Raymond Pozoic a/k/a Raymond G. Prozoic a/k/a Raymond Prozoic, Original
Mortgagor and Real Owner, upon information and belief, resides at 2 Raspberry Drive,
Mechanicsburg, PA 17055.
4. On August 31, 2006, in consideration of a loan in the principal amount of $166,400.00,
Defendant Harvey Cassell a/k/a Harvey J. Cassell, Original Mortgagor, executed and delivered
to EquiFirst 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 $1,215.19 commencing
October 1, 2006. The Note is attached hereto as Exhibit "B" and made a part hereof.
5. To secure the obligations under the Note, the Defendants executed and delivered to
Mortgage Electronic Registration Systems, Inc. as nominee for EquiFirst Corporation a mortgage
(the "Mortgage") dated August 31, 2006, recorded on September 29, 2006 in the Department of
Records in and for the County of Cumberland under Mortgage Book 1967, Page 3939. 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
September 19, 2011 under Instrument 201125928. The recorded Assignment of Mortgage is
attached hereto as Exhibit "D" and made a part hereof.
7. The Mortgage secures the following real property (the "Mortgaged Premises"): 2
Raspberry Drive, Mechanicsburg, PA 17055. 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 of principal and interest due January 1, 2007, 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 .................................... $166,059.38
Accrued but Unpaid Interest from
12/1/06 to 10/2/12 ................................... ..$77,502.63
Unpaid Late Charges ............................... .... $4,211.61
Unpaid Fees ............................................. .... $9,290.31
Negative Impound Account ..................... .. $14,686.92
Handling Fee ........................................... ......... $50.50
Reasonable Attorney's Fees .................... .... $1,450.00
TOTAL as of 10/02/2012 ........................ $273,251.35
Plus, the following amounts accrued after October 2, 2012:
Interest at the Rate of 7.950 percent per annum ($36.1691 per diem);
Late Charges per month if applicable.
10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of
the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to
the Defendants at 2 Raspberry Drive, Mechanicsburg, PA 17055 as well as to address of
residences as listed in paragraph 3 of this document on September 18, 2007, the notice 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 sale of the Mortgaged Premises in the amount due as set forth in paragraph 9,
namely, $273,251.35, plus the following amounts accruing after October 2, 2012, to the date of
judgment: (a) interest of $36.1691 per day, (b) late charges per month if applicable, (c) plus
interest at the legal rate allowed on judgments after the date of judgment, (d) additional
attorney's fees (if any) hereafter incurred, (e) and costs of suit.
MILSTEAD & ASSOCI~TE~! LLC
Date: L i ~ L(Q (~ V
--~~
Attorney for
VERIFICATION
uire
~,~,` ~(I~Gi~I ,hereby states that he/she is I//GL ~/~5 [UCW( of
BSI Financial Services, Inc., Servicing Agent for Plaintiff in this matter, that he/she is authorized
to make this Verification, and verify that the statements made in the foregoing Civil Action in
Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and
belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa.
C.S. Sec. 4904 relating to unsworn falsificatiorl/to~u~forities:
Name: Garcia
Title: recl e Manager
~ t~ P
-; ~.
Tax Parcel No. 3&21-02$9-020P
DEED
THIS DEED, made this 21st day of December, 2010 between OOON00
HARVEY CASSELL by RAYMOND G. POZOIC, his ATTORNEY IN FACT and RAYMOND
G. POZOIC, as tenants in eornmon, hereinafter referred to as GRANTORS.
and
RAYMOND G. POZOIC, hereinafter referred to as GRANTEE.
WiTNESSETH, that inconsideration of the sum of One ($1.00) Dollar paid, the receipt whereof
is hereby acknowledged, the said GRANTORS do hereby grant and convey to the said GRANTEE.
ALL that certain lot or tract of land situate in situate in Silver Spring Township, Cumberland
County, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit:
BEGIlYNING at a point on the dedicated right-of-way line of Raspberry Drive at the corner of Lot
no. 1 S on the hereinafter mentioned plan of lots; thence along the said Raspberry Drive, on a line curving
to the left said having a radius of 175 feet and arc length of 39.08 feet to an iron pia; thence along same
South 35 degrees 45 minutes 00 seconds West a distance of 145.11 feet to a iron pin; thence along the
legal right of way line of Hogestown Road, State Route 114, North 54 degrees 45 mincrtes 00 seconds
West a distance of 75 feet to an iron pin; thence along land land now or formerly of Kreittier North 35
degrees 45 minutes 00 seconds East a distance of 202.54 feet to a iron pin; thence along Lot Na. 15 on the
hereinafter mentioned plea of lots South 41 degrees 27 minutes 13 seconds East a distance of $1.36 feet to
a iron piny the place of begirAwing. ,
BEING Lot No. i6 as shown an a certain Subdivision Plan for Holly Estates prepared by Walker
Associates, dated January 24,1986, and thereafter revised and recorded in Curttberland County Plan Book
53, at page f 7.
CONTAIl~FIIVG 14,584.1 square feet, more or less.
r
BF,Il~IG the same premises which S.R Subrabanya Prasad and Champa S. Prasad, by S.R
Subrabanya Frasad, her Attorney-in-Fact, h/w, and R:asaragod Janardhaua and Usha Janar~ana, by
Kasaragod Janardhana, her Attorney-in-Fact, hhw, by their Deed dated August 31, 2006, and recorded on
September 29, 2006, as insbnnneat # 2006-035800 with the Cumberland County Recorder of Deeds, in
Ra•.ord Book 275, st page 4537, granted and conveyed unto Harvey Cassell and Raymond G Pozoic, as
tenants in common, the GRANTORS herein.
UNDER AND SUBJECT to any and all agreemems, covena~s, conditions, restrictions,
easements, and right of way privileges as contained in prior instruments of nacord.
TOGETHER with ail and singular the improvements, ways, water, water-courses, rights,
liberties, privileges, hereditaments and appuutenances whatsoever thereunto belonging, or in any
wise appertaining, and the reversions and remainders, rents, issues and profits thereof: and also, all
the estate, right, title, interest, use, trust, property, possession, claim and demand whatsoever, of
the Grantors, in law, equity or othervYise, howsoever, in and to the same and every part thereof.
TO HAVE AND TO HOLD the said lots oz pieces of ground above descn'bed, with the buildings
and improvements thereon erected, hezeditamen#s and premises hereby granted or mentioned, and intended
so to be, with the appurtenances, unto the said Grantee, the Grantee's hens and assigns, to an~ for the
proper use and benefit of the said Crrarrtee, the Grantee's heirs and assigns, forever_
AND the said GRANTORS do hereby WARRANT SPECIALLY the praperty hereig conveyed
IN WPI'NESS WHEREOF, said GRANTORS have executed this Deed the day and year first
above written.
Signed, Sealed and Delivered
In the'Presence of
-~-~~?~;i:,
Harvey C ae (~^+~ as taam..l
by Rapsond G. Pozoic, his
~t~CC~ is-Fxctc ~~~~ ~(jrZ. eZ
l ~ ~
and G. Pozoic
COMMONWEALI'1H OF PENNSYLVANIA)
COIINTY OF CIIMBERI.AND )
On this, the Z~, day of December, 2010, before me, the tnrdersi~ned officer,
personally appeared Rrlylotond G Pow>t'c, as attorney-in-fact for Harvey CsL~aell, principal, known to me
to be the person whose name is subscribed as such and acknowledged that he executed the same as the act
ofhis-principal for the purposes therein contained.
IN WITI~IESS WHEREOF, I hereunto set my hand and official seal.
.~
~LTH OF PENNSYLV/W~A
NOTARt,At. SEAL
CARRIE JEAN SINGER, Notary Public
Lower Paxton Twp_, Dauphin County
Ccmrogsion Expires Sept. 7.2014
COMMONWEALTH OF PENNSYLVANIA)
COIINTY OF CUMBERLAND )
On this, the ~, ~ day of December, 2010, before me, the undersigned affcer,
personally appeared Rr~ymoad G Pazaic, known to me to be the person whose name is subscribed. to the
within iinstrumeat and acknowledged that he executed the same for the purposes therein contained_
TN WITNESS WHEREOF, I hereunto set my hand and official seal.
CDi~N10NMMEALTt~1 OF AElHNSYLVAN!A
NOTARIAL SEAL
CARRIE JEAN SINGER, Notary Public
Lower PaxGpn 75~rp., Dauphin County
CamrnlsSion C~ires Sept 7, 2014
d
I do hereby certify that the precise residence and the complete post office address of the
within Grantee is:
Raymond G. Pozoic
2 Raspberry Drive
hfechanicsburg, Pennsylvania 17050
t
Attorney/A t for tTrantee
P-Ev-~83 FX (a:.-2a .
REALTY TRANSFER TAX -----`~`Q~D~`~ y
~ ~ pennsylvaniai stare rax Pard~~~ ~ -
DO•aRTl1EN(Ur F£YENhE STATEMENT ~F VALUE -~~
Bureau of rrafivtdual7axes Pa
PO Box ztlotyo3
FfaTrrstwrg, ~a i,~sza-o5oss See reverse for instructions. Date ~aed ~ y j
Complete each section and the in duplicate Matti Recorder of Deeds when {i} the full valueJconsideratlon is not set forth in t)ie deed, {2} the
deed is without consideration or by gift, or {3) a tax exemptiart is chimed. A Statement Of Value is not required if the ttansfer is wholly exempt
from tax based on family relatiansh~ or public utility easement. If more space is needed, attadi addltlonai sheets.
A, tORRESPONDEN7 -All inigeitries may be diret#ed to the fallowing p erson:
Name Telephone Number.
ScoEt M. Dinner, Esquire __!
- --- f'/t7) 761-5800 __ __ __---
Flaiiing AddrpCC_. .._ -_-- ---._--_-.-_ .- - _
-
city
~ State
~ 2IP Cede
3117 Chestrwt Street rCamp IiiA PA I011
B. TRANSFER DATA C. Date of Acc a o!' Dacanlent
Grantof(sI/le55or(s} Grantee(s)llessee(s)
Harvey Cassell & Raymond G. Pozoit: Raymond G. Pozoic
Malting Address --- -- -,- - Mailing Address
2 Raspberry Drive 2 Raspberry Drive --
Ctty -. - _-_ .... - --_- - -.-_ _
T~te _
ZIP Code
Gty . -- _ __
-- . _~-_ State ZIP Dade
~
Medtanicsbur4 i FAA 17050 Medzanicsburg PA 17050
D. FIEA! ESTATE LOCATION
Street Address Gty, Township, Borough
2 Raspberry Dnve Sliver Spring ~'ownship - -- ----, --- -_
County - ~--- - - .._-- ------- ---;-Schoa District --. _-__ _ Tax Parcel Number -
Cumberland ___ ~ Cumberland Valley ~ ~38-21-0289-0ZOP
E. VALUATION DATA - WAS TRANSACTION PART OF AN ASSIGNMENT QR RELOCATION? L7 Y ® N
1. Actual Cash Consideration 2, other Consideration 3. Tatra! Consideration
1.00 + - 1.00
4. County Assessed Valut S_ Camrrwn L.tvd Ratio Factor 6. Fair Market Value
130;430.00 K 1.25 = 163,037.50
F. EXEMPTION DATA
la. Amount of Exerrplion CJa"rmed ib. Percentage of Grantor's Interest in Real Estate lc. Percentage of Grantor`s Interest Conveyed
81, 518.75 50.00 100.00
Check Apprapriia#e Box Below for Exemption Ctairned.
^ W!1! or intestate succession. _ _ _ _ _
..- ~..-_ ( me oi` Decedent) --- ^(Es#ate~~ Number)-----
^Transfer to a trust. {Attach complete ropy of trust agreement Identify+ng aN benefrdaries.)
[] Transfer from a trust. date of transfer into the trust ___~___~,
If ttvst was amended attach a copy of original and amended-Erust. ~J--
[] Transfer between printipal and agentJstraw parry. (Attach complete copy of agency/strav~+ party agreement.}
[:~ Transfers to the commonwealth, the U.S. and instrumentalities by gift, dedication, condemnation or in lieu at con-
derrrnatfon. (If condemnation or in lieu of condemnation, attadz copy of resolution.)
^ Transfer from mortgagor to a holder of a mortgage in default. {Attach copy of mortgage and note/assignment.)
^ Corrective or conFrmatory deed. {Attach complete copy of the deed to be corrected or confirmed.}
Statutory corporate cansolidatlon, merger or division. {Attasrtl copy of artides.)
Other (PEease explain exemption daimed.)_ (brrut;~ _ Sec 9 !!';t~~' G~~j f1 1>~1I ~..~ f'~'C-
Under penalties of taw, I declare that I have examined this staterteentr including accompanying infonnaNoa, and to
Nre hest of my knowledge aed belief, it is true, correct and camPlete.
Date
DEC 11 ZD10
FAIL;fiftE TD COMPLETE THIS FORM PROPERLY OR ATTACH REQUESTED DOCUMEPtTATiON MAY RESULT IM
THE RECORDER`S REFUSAL TO RECORD THE DEED,
0
~ ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
], COi1RTHOUSE SQUARE
CARLISLE, PA 17013
71, 7-240-b37a
Instrameat Number - 201103989
Recorded Oa 2/2/2011 At 12:05:23 PM
Instrnntent Type -DEED
Invoice Wnmber - 8103 User ID - JM
* Grantor - CASSELL, HARVEY
'~ Graatee - POZOIC, RAYMOND G
* Customer - RAYMOND G POZOIC
i FEES
STA3.'E TRANSFER TAX $815.19
STATE iiRIT TA7C $0.50
STATE JCS/ACCESS TO $23.50
JUSTICE
RECORDING FEES - $12.50
RECORDER OF DEEDS
FARCEL CERTIFICATION $10.00
FEES
AFFORDABLE HOUSING $11.50
COt~NTY ARCHIVES FEE $2.00
ROD ARCHIVBS FSE $3.00
C;IA~ERLAND VALLEY $407.60
SCHOOL DISTRICT
SILVER SPRING TOIiiAi3HIP $407.59
TOTAL PAID $1,693.38
* Total Pages - 6
Certification Fage
DO NOT DETACH
This page is now part
of this legal document.
I Certify this to be recorded
in Cumberland County PA
RECORDER O D DS
6
• -Information dmotcd by ae asterisk may cbaage during
the vtriScstioa procsss sad may not be reflected on this page.
iN~ww~u
DJUSTABLE RATE NOTE MM
' (LIBOR Index -Rate Craps)
THIS NOTE CONTAIIVS PROVISIONS ALLOWING FOR CHANGES Qr MY INTEREST RATE AND
~ ~ MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM AND MINIJKUM RATE I MUST' PAY.
August 31, 2006 Mechanlrsbarg PA
(Date) (City) (Smle)
Z Raspberry Drive, Mechanicsburg, PA I'1055
(Propvty Address)
T. $ORROWER'S PROMISE TO PAY
1a returo for a loan that I have rsceived, i promise to pay IJ.S. S 166,400.00 (this. amotmt is called
"principal"), lus interest, to the order of the Lender. The i.eoder is EquiFirst Corpwadon . I wi11 mate all
payrneats under chic Note is the form ofcesh, check ormoney order. I understand chef the Leader may transfer this
Note. The Lender or anyone who takes this Note by transfer sad who is cntided to receive payments under this
Note is celled the "13otc Holder."
2. INTEREST
Interest will be charged on unpaid principal until the foil amotmt of principal has been paid I wiU pay iao rest
at a yearly rate of 7.950 °K. The interest rata I will pay may change in accordance with Section 4 of rite Note.
The interest rate required by this Section 2 and Section 4 of Utie Note is the rate I will pay both before and tiler
any default elescrrlxd in 5ectioa 7(B) oCthis Note.
3. PAYIK~NTS
{A) Tbare and Place of Paymeata
I will pay principal and intetext by making n payment every month.
I will make my monthly payments on the let day of each taotath beginning on October 1,1006
L will make these payments every month until I brave paid all of the principal and interact end any other
chargts descttbed bebw that I may owe under thin Note. Each monthly payment wn17 be applied es of its schede kd
due date and will be applied to interest before principal, If on September 1, 2036 I still owe nmotmts Dade
this Note, I will pny those amounts in full on that date, which is celled the "Maturity Date."
I will msite my monthly payments et
EgtauFlrat Corporation ,500 Forest Point Clrcle, Charlotte, NC 28273
or at a difhxent place if required by the Note Holder.
tB) Amount of My Initial Monthly Payments
-Each of my ini6el monthly payments will be is the amount of U.S. S 1,215.29 .
This amount may change.
(C) Monthly Payment Cbatges
Changes in my monthly payment wr71 reflect changes in the unpaid principal of my loan and in the iateres
rate that I moat payy. Tho Note Holdoc wn7! determine my new intetsst rate and the chatted amount of my moaQ ly
paytrreot in eccordaace with Section 4 of this Nota
Multistate Adjusmbte Rate Noto-Libeu Indu
EEBISN (2100) (Pemsylvatva Version) /~r7
I,Qep Numt Page i of 4 Initials ~ _
4. INTEREST RATE AND M( HLY PAYMENT CHANGES
(A) Change Dates
The interest rate i will pay may change on September 1, 200g, and on that day every sixth moaW thereafter.
Each dale on which my interest rate could change is called a "Change Date."
($) The Index
Bcginaing with the fast Ghaage Datc, my interest late will be based on en index. The "Index" is the average
~ of interbank. offered rotes for six-monW U.S. dollar-denominated deposits in tha London market ("LIBQR'~, as
published in lke arall Street Journal. The most recent Index figure nvai[nble m of the fast busitte~ day of the
month immediately preceding the month in which the Change Date accam is celled the "Current Indent".
~ IF the Codex is no longer available, We Note Holder will eboase a sew index that is based upon comparable
information. The Notc Holder will give me notice of this choice.
(C) Calculation of Changes
,Before each Change Data, the Note Holder will calculate my raw iotet+eat rate by eddiag 5,40 pertxatage
points (5.440 °de) to the Currrnt Index. The Note Holder will then round the rewlt of this addition W the nearr:st
one-eighth of one percentage point (0.125%). Subject to We limits stated in Section 4(D) below, this rounded
amount will be my new intertst rate until the next Change Date.
.The Note Holder will then determine the atnatint of the mantlily payment that would be sut~rcieat to repay the
unpaid principal that ] am expected to owe at the Change Date in full w the Maturity Date at my new interest rote
k substantially equal payments. The result of this calculation wiU be the new amount of my monthly payment
(b) Limits on interest Rate Changes
The interest rate I am required to pay at the first Change Date will not be greater than 10.950W° or less rhea
7.950_% . Thereafter, my interest rate will never be increased or decrsaaed on eery single Change Date by more then
one percentage point (I.000Y°) from the tale of inteteet I have been paxittg for the preeedmg six months. My
iaterast rate will never be greater than 13.950% or less Wan the initial interest rote provided for in Sxtioa 2 of this
Note..
(E) Effective Date of Change
• My new interest rate will become effective on each Change Date. I will pay We amount of my new monthly
payment beginaiog on the fast taanWly payment date aftrr the Change Date untt7 rho amount of my monthly
payment changes again.
• ~ Notice of Chaagea
The Note Holder will deliver or mail to me n notice of any cbmgea in my interest rote end the amount of my
monthly payment before We effective date of any change. The notice will iachuie information required by law to
be given me and also the tick anti telephone number of a person who will aoawer any question I may have regarding
the notice.
5. BORROWER RIGHT TO PREPAY
(A) Prepayment i have the right to make paymeab at any time before they are due. A payment of principal only
is known as a "prepnymenN. Whoa i make a prepsptaent, I will tell the Note Holder is writing I am doing ro. ]f I
make a partial prepayment, there will be ao changes io the dux date or in dre amount of my monthly payment ualeas the
Note Holder agrees in writing to those changes. My partial prepayment may reduce We amount of my monthly
payments after the first Cbaoge Date following my pattinl prepayment. However, say reduction due to my partial
prepayment may ba offset by m interest rate increase.
(B) Prepayment Penalty
la We event, during the twat 2 years after the execntion of this Note, I ttrake a pre~ymeat and the prepayment exceeds
twenty percent (2t}'ib) of the original principal amount of the kran is any tvve ve (12) momh period, I will pay s
prepayment charge in an amount equal to six (~ mantha' advanee interest on the amount prepaid which is itr excess of
twenty percent (20°16) of We original principal amount of the ktaa within the twelve (12) month period. The Note
Holder well not assess a prepayment peaalry after Cho 2nd emniversary of the date of execution of this Note.
EF815N
~~ 13~ Page 2 of 4 Initials
6: LOAN CHARGES
if a law, which applies to this toes end which seta maximum foen charges, is . .fly interpreted so first the
interost or other loan charges collected or to be eollecud in coaaection with this loan exceed the permitted limits,
then: (i) any such loan charge shalt be reduced by the smwat netxsssry to reduce the charge to the permitted limit:
sad (ii) say sums already collected fiam me which exceukd prrmined limits wID be refunded b me. The Note
Holder may choose ro make this refimd by reducing the Principe! I owe under this Note or by malting a direct
payment to me. If a refund rectums principal, the reduction wilt ha treated ea a partial prepsymeat
7. BORROWER'S FAILURlG TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
.If the Note Holder has sot roceived the full amo®t of any monthly payment by the end of 15 cnleadar days
after the date it is due, I will pny a late chttrge to the Note Holder. The amotmt of the charge will be 5.00 % of my
overdue payment of principal and interest. I will pay this late charge but only once on each lute paymcat.
(B) Default
if I do not pay the full amount of each monthly pnyme:nt oa the date it is due, I will be is default.
~(C) Natitx of De6ult
If I am in defatilt, the Note bol~c may scud me a writGea notice telling the flat if I do sot pay the overdue
amount by a certain date. the Note Bolder may requite me to pay intmedistely the full amotmt of principal which
has not been paid and all the in0erest that I owe oft that ttmormt. That date mast be at least 30 days altar the date on
which the notice is [nailed to me or delivered by other mearta.
~(D) No Watver By Note Holder
Eves if, at s time when 1 sm is default, the Note Holder does not requite me to pay immediately in full e9
drsa>'bed above, the Note Holder will still have the right to do so if I em in default at a later time.
r
(E) Payment of Note Holder's Costs sad Ezpeeaea
If the Note Holder 4as required me to pay in fuU as described above, the Note Holder will have the tight to be
paid beck by me Cor all of its costs and ratpettses in enforcing this Note to the extent not prohibited by applicable
law., Those expenses include, for example, reasomrbk attorneys' fees.
B. GIVING OF NOTICES
Unless applicable law requires a different method, any tmtim that must be given tome under this Note will
be given by deGvaiag it or by mailing it by first class mail to rue at the Property Address above or at a different
address if I give the Note Holds a notice of my drEFemat address.
:Any entice that must be given to the Note Bolder varier this Note will be given by delivering it or by mailmg
it by, first class mail to the Note Holder at the address stated is Section 3(A) above or tit a diH'e:eat address if I am
given's notice of that different address.
v
9.OIlLIGATIONS OF PBR.SONS UNDER THIS NOTE
'If more thus one patron signs this Note, serer person is fully and peteonaUy obligated to keep all of the
promises made in this Nom. including the promise ro pay the full amount owed. Any person who is a gttermtor,
succty or endorser of this Plots is also obligated to do these things. Atry pesos who takes over these obligations,
including the obligatiaas of a guataatar, surety or atdasar of this Note, is also obligated to keep ell of the promisee
made in this Note. The Note Holder may enforce its rights trader Ihia Nate against each person individwlly or
against all of us together. Ibis rneana that say one of w may be required to pay all of the amounts owed under this
Note,.
]0. WAIVERS
I and any other person who bas obligations under Ibis Note waive dte tights of preaminatat sad entice of
dishonor. "Presentment" means the ripitt to require the Note Holder to demand payment of amounts dtte. "Notice of
dishonor' means the tight to requite a Nate Bolder ro give notice ro other petaoas thst amoutns due have eat bees
Raid.
EES15N
I,oenpnmb, Page 3 of4 Initials
I ]. UNQ+'ORM SECURED NO'.
This Nofe is a uniform instrument with limited variations in some jurisdiclio__. In addition to the protections
given'to the Note Bolder under this Note, a Mortgage, Deed of Trust a Security Deal (the "Security Instuument"),
dotal the same date as this Note, protecb the Note Holder fium possrbk lames which might result if I do not leap
the promises that ] taake is this Note. That Security Iashumeai deacrrbrs how and under what eoadititras I may bo
tegwited to make immediate payment in full of all amounts I owe under thi9 Notc. Some of those conditions are
described as foliaws:
•' ,Transfer ~f the Property or n $me8r1a1 InterYSt Ia Borrower.If ell or eery part of the Property or any
interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficialmte-est in
Borrower is sold or nansfemd), without Lmdet's prior written consent, Leader may, at its opting require
immediate payment is full of all sums secured by this Security LrsttumenL However, this option shall not be
eateroised by Lander if exercise is ptoiubited byy Applicable Law. Loader also sbsll not exercise this option iF. (a)
Borrower causes to be submitted to Leader infirmation requfired by Lender to evaluate the intended trarreferrx as if
e new.loan were being made to the transferee; and (b) Lander reasonably doterminee that Lrnde~s security will not
be impaired by the loan assumption and that the risk of a breech of any covonant ar agreement in this Security
Instrtmrent is acceptable to Lender.
;To the extant permitted by Applicable I,nw, Lender may charge n reasonable fee as n condition to L.enda'a
consent to the loan assumption. Lcnda may also require the tzanaferec to sign sa assumption agreement that is
ecce~iable to Lender and that obligates the transfetx to beep ell the promises and agreements made in the Nata and
in this Security Imtrument Borrower svr71 continue to be obligated tutder the Note and this Security Instruutacnt
unless Lender releases Harrower is writing.
•If Lender exercises the option to require immediate payment is Cull, Lender shall give Bortawer notice of
acceleration- The notice she!! provide a period of not less then 30 days fmm the date the notice is given in
accordance with Sxtion 15 within which Borrower must pay atl soma secured by this Sorority Iashumeat [f
Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke arty remedies permited
by this Security Instrument without further notice or demand on Borrower.
"WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED"
.V
~~~
Harvey ]Cassell
(seal)
(seal)
-enrmwer
' (Seal) (Seal)
. -~~~ -no~mwer
(SCtr1) (seal)
.. -HCaorepr -Bortvwa
EI''S l5N
Loan Nttm' Page 4 of 4 Initials
.. ~ ADJUSTA>IfLE RATE INTEREST RATE i .NOOR &
PREPAYMENT PENALTY Addendum to Note
This ADJUSTABLE II~1'fEREST RAZE FLOOR & PREPAYMENT PENALTY ADDENDUM is made this 31st day
of August. 2006, and amends the Nate in the amount of U.S. S 166,400.00 dated the acme date and given by the person(a)
''who signs below (the "Borrower(s)") to EquiFirst Corporation (the "Leads{'}.
In addition to the agreements and provisions made is the Note and the Security Instrument, end natwithstmding arry
~ provisions b the contrary contained in said Note or the Security Instrument, bolh the Borsower{s) sad the Lrnder fi>riher
agree 99 follows:
,_, ADJUSTABLE INTEREST RATE FLOOR
This loan.has an Interco[ Rate "Floor" which will limit the amount the Intetoat Rate can decresse. Ragardleaa of any
changes'in the index, tfie Ialerest Rate during the term of this loan will never he Less than the initial interest Rate provided
for is Section 2 of the No[e.
PREPAYMENT PENALTY
In the event, during the feat 2 years sfler the execution of this Note, I malcc a prepayment end the prepaymaat-
exceeds twenty pernxat (20'/a) of the original principal aora[ot of the bsa in say tvwlve (12) month period, [ vnll
pay a ptspsyment charYe in as amount etntal to six (~ mtmths' advatoce inlecest oo the amount pn~aid which is in
excess of tw~ty percent (20%) of the original ptincipd atnrmnt of the Iosn within the twelvo (12) month period.
The Note Holds wn'II not assess a prepayment penalty a$er tins 2nd anniversary of the dale of execution of this
Nole.•;
,,%
, ;_
.,~.
u„~, ,. :?
~,:
c. _ . .......... . ......._.._, . --
Note Endorsements
.~~ r.. KL:. ..
'' Borrower(s): Harvey J Cassell
Property Address: 2 Raspberry Drive, Mechanicsburg, PA 17055
Without Recourse, Pay to,~tlic Order of:
~~c MoRrc~G~ cco~~or~
EquiFirst
By:
~tV Brandon Pennington
Assista Vice President
10323h2 Page 1 of I
EFSne~~dr (12/OS)
Allonge to Note
Loan #:
Borrower: HARVEY J CASSELL
Address: 2 RASPBERRY DR
MECHANICSBURG, PA 17055
Loan Amount:$188400
Allonge to one certain note dated 8/31/2006 and executed by HARVEY J
CASSELL U.S. Bank National Association not in its individual capacity,
but solely as Legal Title Trustee for LVS Title Trust I
Pay to the order of its successor and/or
assigns without recourse in any event.
Without recourse
EMC Mortgage LLC flk/a EMC Mortgage Corporation
Name: Serina J Lee
Title: Assistant Secretary
,~
~~
.~5r~ o ~.
~'.~
n;
._::~nrcR Or 0€E~
~p;~ CEP 29 PPI 2 25
prepared Sy:
Michelle Yinnik
500 Forest Point Circle,
Charlotte, NC 28273
(704)625-4312
ltehnn To:
1'strlot Kea! rstate
Settlement Services,l.L,C
341 Science Park Road
Suitt205I ~,ts,~b--p'A5
State College, PA 16803
Parcel N~anLer
Ptta~:2 Raspberry Drive.
Mechanicsburg, PA 17055
pipoee dbore 7t>b liar FR it~orQaa Decal
IvtORTGAG~
DrFINP1TONS 1!llld 1OD20010010323b216
Words owed in multiple sections of this tlocsaceat are dettned below sad ottax words ace de6aed in
SceCiara 3. 11. 13. 18. 20 end 21. Cates rules rtgacding die usage of ward; need in this doc®ecrt are
also provided in $eCiion 1~
(Al •Setaullg Feat" nseans this document, which is dated August 31. 2006 ,
to~tLa witit all Riders to this dormnent.
(B}°Hortrower"is Harvey Cassell, a single person and Raymond G. P ozeic, a
single person
Bortoa~rr is tla: mort~tgor snider rhia Sxuriry Ictsntarcmt.
(Cl "MF3tS• it Mortlp~ F]earortie Re~atrarlaa Systems, Ire. MFRS fa a stparate aaporetion that is
arsln; solely as a ntas3aes Ifor l.ertder and Lender`s and ®~- lt+i$H.9 is tit masl~ee
®detr this Seemity 1Sbl~saassL MERE is ta:gsooiaed sod mtiaCmQ Hader the taws of Dtsiawarsti and Las an
address asd telephonic mrmtxz of P.O. 13ox 1126, }liar MI 48301-2D26, td. (88!31 b79-MERS.
W - 6'lnpla Famlty - rroRir abe~FiedW tq~e IAAPOR1it 1roslAUaa>•ls 1IYfTt! MHtS
~~AtFAI Cori Form 1
-rrr]A1r 'yrrw;
YNr+li~yo~ 3d.irnL K 1rni01a2
~l~967P63939
(D)"Linder°is'Equi First Gorparatfon
1_aederisa Corporation
otgtatitxd attd eo~ng aOder the laws of lJorth Caro] 1 na
LenideYssddressis 500 Forest Point Circle, Charlotte. NC 26273
(~ "Noie" means the ptvmiasory note signed by Bo.tower and dase~ August 32 , 2006
The NoteaateatbatBortowcowealatdexone hundred sixty-sfx thousand four hundred
and 90<L00 lblhtn
(i3.S. S 166.400.0 0 )plus iatetest. Borrower has prnatiaed W pay this debt in tegOlar 1'triodic
Payctenta and m pay the debt in full not loner iben Septesber 1, 203 fi
t17 "Propa~ty" means ttte pttsperry mat is desaeribed blow under the be,adatg 'Frame of Rights en the
Propezty.'
((7 "i.Oes" mean the debt evidenced by the Note. plus mtaest, atry p~Y~ dtar~cs ~ ~ urges
duc under the ]Pots, aatd aU soma due order this Smuiry Ieatruarnt, pins intrnest.
()~ "Hiders" meats ttII Riders m this Security instrneaeeII drat are eaeattod by BOrrocver. The fOllowiag
Rides am m be eaecated b1 Borrower (cbeet box as applicable]:
Ar}jastabie Rah: Rides ~ Cvadomirdmn Rider Seeotd Home Rider
Ha[Ioon Rider Planted 1:Jreit 1)evdopmmt Rider lri FomOy Rider
VA Rides ~ Biwakly Psymatt Rids Other{a) [specify]
ARM Floor/ prepay Rider
(i) "Appikpb[e Lath' meats all cootroiltng applicable federal, slats sad local sarara. tegnlahooa,
old3irmces asd admiuisb7tive antes aad Orders (dwt have the effect of few) as wed! ter all appii®bte final,
judttsal flptni0na.
~1~ ~f~0elaliisa I~Ue's'. ~fXa, soli Assmfineala" meal6 all duo, ~. astessmeats Bad Other
chatgea tis ate imposed em Htrrowa or the Property by a coodomitdtrm aasodatian, hotnetswats
i7lOCiatiOa ar a~ O[~l.
iiC) "lfleedtaslc lrasds Tttmsfet" mesas soy ~ of Tuuds, ortxx than a trmar~oa otigimted dY
edxxlt, tha4t, err dmila paper imnumomt, which is initiated ao dat~nie tesmiwt. irlephomc
itaatm~ oeaapetoer, a' ttaigaetic tape w as m order. irstrtas, ~ anthorita a firvasdal iawtitotlon m debit
er credit an ac~atr, $tteL testa iocludrs. bus is rot tituite~ m, poia[-oFsale Orsm~fers. >tmamited >tfler
maebioa tran®edats, hatsitets initiated by tr_iepias, wire: transfers, alai aotamated r3mrtaBltoitse
1rttlRfEtS.
Q.) ">Bitctvw IttJae" intone throe ioans tier sin deeorlhed in Se~iwe 3.
(~ "A'Ibedimesea Prooaada" mass any campersatiwe, se:tde>neat, aevatd of damages, a ~rooexds paid
by tiny tihd party {other tttaa ittsarare pn~a pud uadeX the taoveaagea doeribed is Sexadt 5) ibr: n
dtuttage tD, or dexgtrxiooi of. the Property: Cti1 catidemns4ion or other taking of all ar sty part of the
~Pr ~ e~~ ~ t~ ~~oonde~on: or (iv) miszpttsetttattans of, or omisdorg as to. the
~ ~ tgage bsnraeia" uxatts iasutariee prote:cdng I.eaider against the tnsipaymeOt of, or dcfaetlt on.
(O) "Pexietdk PaymetN" meats the regulniy scheduled amatmt doe for (i) principal end itttetrat Hader tl-e
Note. Pius G7 any atonanrs tinder Bastion 3 of this Security imerumem*.
~~eAtPAtBUCm r,..] d ~s Faem 3039 7167
4_;1.36?~&39~~
(P) "RffiPA" manna tba Real F.amte Setdetornt Protxdnres Art (12 U.S.C. SexYiou 2601 et seq.) and ifs
implemduing tegttlation, Re~tlation X {?A. C.1?.R. Fart 3500), as they mipu be amended from time to
time, to arty addttTasal or successor isguladott or regatathm that geeverns the seu7te tiubjtet mater. As t>sed
in this 9eeurity Intrtsaott, 'RE.SPA' rates to etl tagttItz~ and raniaioas tlnt are ' 7o rs~atd
ro a 'federallyy rrJrned tvortBage loan" even if the Laaa does not ge~lify u a "Pe~erally~
lose" oadat RESFA.
(Q} °9tteamsac ht Interest of Bortvvrer" mans nay party rbat hu aeltett title tp the Propacty, wleatlier or
tmt that Duty has u~tted Borrower's obligations wader the Note eud/ac this 5ocurity btstrtnveot.
TRANSFER OF RIGR7'S lIY THE PROPERTY
This Scarcity 7asavaxn[ secures ID l.aider: (ia the tspaymeot of the L.eesa, and ~1 tarcwals, rxteosiwts and
aoadi6cariats of the Nate atd (ii) the perfortwuse of Borrower's cwaeuwts and a;reemeotz trader this
Secority Irstt~ attd the Note. Far this ptapose, Bmmwes does hereby ~+~&e, grant atd convey ro
MFRS (sorely as nourina far Larder aced Lender's st~armrs aril asaPla) atsi ro the suctxssots and
assigns of MFRS, the foliowhtg desrn'bed Property ltxemd in the C a u n ty trtpc of ttomdt,q lar6dictiao)
of Cumberland [NmaeafHaanliaaladaticdm):
See Attached Exhibit A
whichcuateadybastheaddrassof 2 Raspberry Ot'ive
[~I
Mechanicsburg [curl,Pemaylvania 17055 i2trcodal
("Property Address7:
7'OGET'FiBR WITH ali the ic~rovemesps now or hereafter eteoted ar the property, and all
aaemems,~tcrs, astd fixtas7s ~ ar hesraftri a part of the Alf replaoememts and
addltietr also be revered by this 5ecatity iosttatrrtat. All of the 'ab is teterred to in this
Se~r7cp ItsEroareot a: the "Property.' Btartvarer mdetstaods and egrxa dent bdds omly ~ titie
to the irtteresa grained by Bormwa in dtis 5ecurky Instrument, but, if ttezasaty ao r:aaply month Ltw or
custmq A[ERS (as oaaitma fa[ Linda and I.eodar's steoessoa'a and astipts) has the so esett;rse auy
~ ail o! those htserats, inclttiin btu not limited ro, the to totex~se and sell
yg., and ut
tape anp action required of Lerdpr ireeitding, txrt not llmi~ ro, rslmsirtg and eamcel ~ySeamity
t+~~+-tr~a) wsaee hp 7 N M Fyne 3039 tfM
~i1961P~~94 !
BORROW£tt CC)VENANTS diet Bwrawa~ is lawfuiiy seined of the atom Y conveyed and has
the right m moczaage. gran and convey the Propcrty and drat the Property is ttmmct~ed, ezxpt far
eacmabraocea a[ record. Borrower warrdras and will defend jeneraily the dtk m the Property agairert all
dalrm aal demands, snbjed la any wwmbrancea of record.
THIS S®CfJRITY lNSl'RI7M$xT c,irnbitrea vaiform covenants for rational uce and noa-naiform
covenants with lirtritea variations by jurladiedort m constitute a mufarm aecttrity iastrtaaeot covering real
P~Y•
[7NIIaO1tM COVENAx']'S. Bortower and Lender eoveteat and agrm as fallawa:
1. Payment of PrSnt3pal, Interest, )5saorr It®s. Yrept7meut Cbrtga, av.d Labe mm8a-
Borrowa shalt pay when due rite principal of, and interext on. the debt evidertrtd hY rite Notz and any
prepeymatt tbat~es and htte chatgra due trader the Note. Borrower shaII a]co pay fmads for Escrow he~c
potwstti m Section 3. Payraeata due nrder rho Note affi this Savrity Irtshrxmcnt shall be trade in Tf.S.
currency. However, if arty chest err other iaslrument reclined by Laden as psymem under the Note or this
Security IaeQt~ is rrbatred m Esnder unpaid. Leader nay regain: that my err all sttbsegoent payments
due Mier the Nole and this Seraulty lnstrtmtatt tie trade in one m more of the foUowmg farms. as
selected by Lender. (a} ash; (b} money order; (e) certified sheds. freak ~, heaSuret'a Cheek or
taahter's check, provided nay attelr check is drawn upon an iradaztion whale deposits ate intoned by a
fied~a! agency. iusrsnraertality, err entity: Zx (d} Efrrtromic Fwtds Trarts6ar.
Payroetns art deemed nxeivad by Leader whmr received a< the location designaaed m the Note err at
arch ache location as may be desigramd by Lender ur aecotdarrce with the notice proxidoas is Section I5.
Lender may ranrn tray paY~t a paw PaYmeat if the paymau or partial pay,oatts tits irnoiihiatt m
brat; the Loan t~rrt. Leader may accept say payment ar partial payment ro bring the Loan
arrrent, without waives of any rigb[a hereondes err prt~trdit~ to Its tights to refine lath payment or pantie!
paym® in the futnte, bat Lender is trot obtigattid m apply soft paymeaa at tit limos sash payments errs
acespbed. if eadt Periodic Payment is applied as of its >fioddai due darn. that leader need rat pay
interest oa nrapplial ftatds. Lender rosy bald such tmappl'ted duods lentil Borrower maltts payment to bring
dre Laen amen. if Borrower dues not do w within : reaaorablc period of time, Leader shall dlher apply
arch Amds err :etnttt theta to Btrrcovrer. if not applied earner, ouch fmo<Is wr71 he applrod to the atuatatding
principal balance Hader dte Nate iaanediattly prior rn itaerltmae. Tin offset or claim which Bmtowa
might have aow a is the Harm agoinst Letder shall ralIove Bortawer from maidng prymeats due ttoder
the Nets sad this Se:miry Instrument or perfomtiag the wverartt and agreemertts leaned by tfiis Security
lnstrttment.
3. ApQGes$aa of PaQmaata or Procadt Except as otherwise dcsuibed in thin Section 2, all
paymenta accented .ad applied by Leader shalt be applied is the fnDvwing ordrr of priority: W intexffit
doe. under the Note; (h} priaripil doe under the Notr. (e) amotmts thte laden Beaten 3. Sufi payme~s
ahaB ba applied to 4ach Peiodc Payment in dte ondri in which it btxmne due. Airy rearmaatg amounts
shall be appiied,5at to last fiatges, second to nay other amottgts doe utoder this Severity lactrtmtent, a~
rhea to rada¢e the prlndpd hslaaet of the Notc.
If Larder tecdva a payment fmm Borrower for a deliagaeaa: Periodic paymwt which iachrdes d
stdtfciear amormt co pay nth' late chu'ya doe, the payment may >x applied m the deftogaeea paymetn and
rho lax charge. If matt: than orte Periodic Paymatt is auaranding, Lander nay apply aqy paynoaa received
from Bonawer m the repayment or rttc Periodic Payments ii7 and po the ex4an drat, each paynrmt
~~/-tPR11060W r...,w,e Forrn3Q39 trot
~~ 9b7t639~~
can be paid at full. To the aRea ttwt airy cacao ercis7s atha the payment is appliod to die inII paymea of
one or prone Peiodc PayOtmtt, such access may be appiid! fA a~ Iete dtarges doe. Volmctary
ptspaytaeias sbatl be igplied firer m any pttpaymatt rlcataa and rhea ac dawztbed is the I.lote.
AnY 4~~ ~ 1?aym~. ~~ F-ttee~ds. or NDstrllattcaos 1?roceeds to principal due under
the Nox shell trot exrmd or postpone the rise date, or dpnie do antcam. of ttte 1?eriodio Paynxata,
3. I+tmda for Escrow )(feme. Bttrroava oheB pay to Lender oo she day Periodic Paymeata ate doe
under the Note. ttot~ the Nate is paid in foil, a sttm (the •Iiutds*} ro provide tar paytntert of atnotutts doe
Sior: (a) tarn attd esasmecus std otLe ittm, which txn attain priority over this Sc~tuity Inantonent as a
rim ar txombra~ cot the Property; (h) leaaehdd paymet#s ut i~ tee on the Ptaipetty, if ate; {ra
premi®s for ury a~ all irmaattee rngnired by Lender under Section S; sari (d) Mar~a~ Iaataaors
premit>ms. if any. or tttpr sntrts payable by Florrowet to I.Crda in lieu of the paymme of MnFtg+Sa
butir~ prerm~ is accardar~t wh6 the provisiaa of 5atxtOtt 1D. Thee items m tolled "F.sctow
Stems." At or at any time dar>uh the rerm of the lean. under may tegttit>; that aa~ty
Aasot:mdon Dues, Fxes, and Ast~smenta, if arty, be escto7red by litxrower, sari each due, fan and
assesatoata shat be an Escrow Item. Httrrowa shall pranptly luraiab to Lsnder alt naitxs nd stta.®ts m
be paid under this Seeutm. Bwrawer stnal2 pay Roder the Itaada For F.xtow I[ems ntdess l~ntdcr waive
Haaotvet'a ob[igatlon• ~ pay rite Funds for any or all F.urow ltr>ns. Lcodcr mey waive Borrower's
obliaalioa m pay m I.erder Iimds for soy an all Farrow Items at cry tick. Any etch waive toy tatty be
i~ wrltis~. In the evert of spelt waives. Borrower stnl! pay diraxly, when and whore payable. the amotmts
due for say Escta9r Tetras for which paymecu of Atads hn hem waived by Larder and, if Lender tegnira.
stroll ftaaish m Leudar t evidaeteing ouch psymatt ,vttltfn soeh tape period as Lender may require.
Borrower's obligation to malo: ouch payments and to provide receipts obeli ibr all ptrtpoaas be th'rated tt-
be a oovenzat and agreement co4taitted in this Security ImtrtrmwA., as the phrase "txavmattr rod a~e~`
is rased in Satimt 9. It 1orrower is trlrligacsd to pay Escrow Items direedy, ptttsnaot to a waive, std
Baaowar falls m pay the autotmt due for ao Farrow item. Lettde may esetdse its tislw mtilsr Settler 9
and pey sorb artntmt and Borrower sladl deep be obligated tmda Section 9 m ~Y to Lender any such
amamt. header mzy rtvoke the waives as to arty ar ell Escrow Iam~ at arty time b9 a notice gloat in
acem~dattx with Bettina l5 and. upon attch revocation. Borrower shall pay to Lender au Fes, end in
Such amounts. tbffi tae then regai[ed wider ride 5ectian 3.
Carrie may. at srq time, colIst:t mod hold Ftmds in ao amawt (~ svftit:ieat to pertait Leader to apply
tht Ftmda at the time sptx3fied tinder 12B5PA, and (b) rtes m exceed the tmdmt~ auooot a leader ®n
requite ceder ItFSPA. [seder shall esthttste rite anrouat of Pmcd: doe m the basic of txraetu dam std
rrasmable a of e:patdtnuea of Encore Esmow Itmu or otherwise is atszrda~e whh Appticeble
Law.
The Farads shall be held is as irtstittttioa whose deposits are i0ataed by a federal ttyeo~cy,
~"~Y. ar fib' iittchtdigg Leader, if Lender is at instiaatmoa whose deposits m so iastasd) e m
any Ftdetat Rome l.o~ Haar. Laxtdar shall apply the Pmda to pray the Escrow Itmu ao ]eta than the time
spedifed ,order RESPA. Leader sbdi trot clange Barrowe lac btrlffng mid applyhte the Ftmds, annually
aoatyting the arrrow acx:tamt, ar verifyigg the Fsctnw Items, welter Lando pays Borrower 3metatt on the
Farms and Applicable Law permits under m make state a ~. Uttteo art agreement b made is writing
or Appiiabk Law toquirrs i>amat to be paid on the Funds, I.eadec shall not be retpdred to pay Btmower
airy inietex ar eattdrtpa w lbe Ftutds_ Hatower std Leader cm agree in wridmg, b07vtxer, that iz<esest
-6/ttPAl lGlesa Pyp 6 or to FOm13038 1/07
•
(5 t,~ 3gg3
shall be Pala m the F[ffis. Larder stall give to Bortawer, waitrons rJtarge. as amoal accomuiog of the
Fuurls as taquirad by ig1iSPA.
If there is a sarplas of Fuads hold in escrow, as det6ted under RF9PA, Lender dtall seeotmt m
Batavwer far tde rtaeesa fiords is aaadaaa wild 11.E5PA. If these is a rbautage of Ftretis held in t~crow.
as de5aed lender tiTiSPA, Loader sdali notify Btxrawer as ris;irited by RFSPA, sad Sattvwer stall pay t0
Lender die emamit nexasegry m tttaki: rep the Shortage in emotdarree with RFSPA, hart in m mots than 12
Y paytm:ita. Tf there la a deficiency of Frmds held in etarow, sa deflaed Hader 1tESPA. Lender shall
aotify Bt>aawer a hind by RESPA, attd Baarawa shall pay m Lender the amount ta~aaty m maim
TMP tae detieitmcy is taxtttdayter wilt 1tESPA, but in tw morn td^a 12 ttroathly payrtttsrts.
[)pea payment m full of all sums strayed by this Se~u[iry InsUnmeyst. Leader shall ptumptly retbad
m Borrower any lauds Geld by Lender.
4, ~ I,iem. Borrower droll pay all taxes, saa;asmaats, r~vges, fines, and itnpodtiaos
attributable m tde Psaperty wldeh tout atadt priority aver this Setvriry Itrtaittaeot, lraaehdd peymana ar
gyt>ond testa oa tde Pmperi]', if any, and CortitituidlY Assodatlrno Dues. Ftaa. and Awamteuts, if say. To
the extent that shoe items are lxrlow Items, Hotmwiir dull pry :hem in the ttyatmer provided ht 9ealoa 3.
Bortvwts shall poomptlY tliRharge atry list wtiidt has priority over this 5ecerhy Imatmeta tmieas
liotiawtr: (a) ogees in wriiiytg m the payment of the ohllgadwt aerated by the lien iu a roamer aecepoltle
to I.and«. but only so long as Borrower ie perfarm[rg saeh agreement; (b) wy~ats the tiro in goad P>im
bp, or defends agaimt adnraemint of the liar ln. ]qpl pt,oceediags v~idt io Letder`s apinton trptuam m
prevent the enfareemm[ of the lion while tdose pracadings sya peaidiirg, btu onty aapl such pracadiogs
ate coteladai; ~ (rJ aetaaes flout the holder at fde lam an ~tsemeat rY to ieodis sabrirdieating
the rim m this 5er7vrity Iastrmmmt. If Leader detaadaes tiro aay part of the Prapetiy is achjtxt m a lam
wdidt can etaia priority Duet this Sxm'ity Ltstrmnent, iendes >~Y give Borrower a ltrdi~ ide8lfyiag tde
lirn. Within 10 days of the date ten whieL flat entice is gives, l3otrosver eball satisfy the Ben ar aka nee or
mots of the at:tiens se[ fottlt iibttve in this 9ectioat 4.
Linder soap regtdre Borrower to pay a o~ ~ C~ a real esma tax veriftmQOa aodlor
ttpcutigg soviet load by Leader In comec~fain wild tdla Loon.
5. Properq ~~~ Horrowu shall keep the itopyovemeau mw existing or hetrniler aecad oa
the Prupetty imsmed against loss by firs:. chards included within the texiit "attended tx>ver~ge," and cony
other haatds inrhdiag, bnc tot li~eed m, earrhgoalces std floods, tar whir], Lmid« regirita imscamee.
This inatrsnoe shall be maiaiso,ted in the amounts Ctnclodiag dedoctibie ltvels) lad for me perioQa that
Linder regnitn. Who [rytder requires praauant to the prrrsdiyig stattatus an rdtutg)r tdtring tde tam of
the Loan The irtsttranee tartia praviditig the irntuance stall be chosen by Hotmwer sabjea m Leader's
right m dias~pp®vc Htxrasva's rdoice, wbk3t right shell trot bC exnelsed tmreaaaaably. Leader may
regaUe easrowat m pay. in cayaotrtfaoa wbd thin Laao, tdtda: (a) a oro-dme ehsrga iba flood tuna
daetasinatloa, cetti>5estian sad traeldng services; or (b) a one-time charge f~ flood zone dera~aa
sad oeutl8eadon tiervias and sobaequent rltarga each time togs tx si~sr tihattg~s aorta which
reawymbly tatghi aff«x sugl detton ar tx+cNfitxtian. Barroper shall ahxi be rixpotec~le for tde
payynmt of sty fees Imposed by the Federal F~ergmcy Maaa¢mmt Agency in corutecvwt wish the
review of arAr flood zone deseuminatim taultiag tram an ohjecpan by Borrows.
aaa.r~
-BAIP/U weow -msa ~s Fwm 3039 7101
~:t 967P~39~4
ff Borsowa fmla to s®iaaaia asry of die coverages desQibed above, Leader may obtain irtmraotx
coverage, at l.eatkr's option sad liarsower's Urpame. Linder is raider no oblipadoa m prarbase nay
partiailar type or amain[ of mveraQe. Thersfote, enC11 mv~tmge alralI co.er Ledo, bur ndgitt or might
not protect Borrower, Horrgwet: equity is the Property. a' the wate~t of the Property, sgtdrtat awry sink.
hazasd tx Gai»1i4y rind aright provide greater or ]colon coverage than was paevinousiy in efttst. Botsower
aeloaowledgea trot tae coat of the iarurame opverstye so obtained migLt sigal~y c~c¢ed the cart of
ha>urotz titat Borrowar uvula ]lave obtained. Any amomas al:bm~ try Leader undue this Setpioa S stall
become eddiaouat debt of Btxsower srsnred by dos Sewtity Inatmmaa. Thine amp shah hear intpsea
at the Note rate fi+om tLe Gate oP dishuraemoK and slap be payable, wish sw3 intaes[, wpm notlra tYom
[.alder m Bostnwer tegprsdgg payment
All iesraaace paiieia re~isired by Linder and renewals of such policies sbatl !x subject m i„euder's
right m disapprove sorb polieieyt, :lull ipdudt s standard mortgage dttsse, and ahali name loaner as
mor[gagee aadlor as an addiaoaal lms payee. Leader :Cell hive the rim[ to Loll tine polides and reatwai
catifts~es. if Linder requisea, Barrov/er :]tell promptly p1~ Bb Caroler all teodpts of paid premuaat rod
renewal aaticea. If Btamwa obtains sity farm of inwr~ice coverage. not odtersrlae negalrod by I.erdes:
fa- dasaapa m, or deawetioo of the 1'ropessy, null polity shall include a stmdasd amtga~ clatae and
shall name Linder as mortgagee andlor as an addttiotri loan payee.
[n the eveta of lass, 13orsowts shaA give prompt soticc m the hssuraate carrier cad I.eoder. Lxtder
nary male proof of lose if not made promptly by Bortarver. Unlaae Lender aad Borrower othesarise sgtee
in writing, nay isnptaotce prooxds, vrhedla' err mr the uttdertyirrg immanoe eras rtgaited b!r i.ender, shall
be applied m restoration or rt~air of rtre Property, if the trstm-nim a rgstir is emao~iy !ice and
Lmdtf s scarcity is not lesamed. 6uria~g loch repair and restoratiaa period, Lender :ball have the rfgYt m
hold ouch imuraace prtueeds aotit Leader Loa had en apporhmtty ttr impact suc4 Property m asiur Ste
work Las loan eompteted m Larder's >ntidacdop, provided drat ar]t iaspectjoa eltalt be naaertala:a
prmnptly. Lender mry d'isbttrse proceeds for tLe sepairs and astoratioa in s sutgte paymau or in a wins
of progracs payareata as Qte erott is waopkted. trots[ an agreemept is made is writing or Appilca6le F.aw
regoizss isacat to be paid on such imiprence proteWa, Isoder stall not be rttgm'rad m pay ]3arrmva nay
inttsmt rrc taunutga ao stscL proooeds. Fees for public adjostece, or other third parties. retaiprd 5Y
Borrower ahail not: be paid opt of are inarsraace ptoerr~a ants sha11 be the sole aisii~ntita of Bonvwer. if
the resmcati~ pr rt3air is nor avnorrmally ltznsible or Leader's aeeurity world be te~eeed, the imoraacc
prora~eds mall he applied m the sums senrred by tlris Security t^w^~~w- wltedxr a rat rhea due, with
the taaxcs, A nay, paid to 1Bormwer. Sta3t i~~r~ proceeds stroll be applied is the wader provided for is
3ectiar 2.
If Borrower abandon rLe t?ropcrty, F~ertder may Qk, rtegatiste sad aetde nay avaibtMe i~uaptx
dsim and sainted tnamera. if Borrower does trot respond aithia 30 days m a notitx ft0® Ltsder [het We
iaaarartoe orrice Lea offitaed rA axtle a claim, then Lends may aeggtlase and aeale the tit;rn The 30-day
period wil begin when the rotIee is given. la either t:veat. or if Ltmder rspirta the Prttpaty more
Strdon 22 m• othervrfae. Borrower ~y ssaigps m Calton '(a) 8ortawa's Wf~a to any latarsaire
pro~rds in sa aonnros rat m tact~d the amoaoAS usgaid tinder the ?Itxe or thin miry Iarnmomt, and
fis) any ath~ of 13acsawtx'a rtgftta (other dtmt tlae right m atry refpad of tsrwned praa[mas paid hY
Btstsoaer) tinder ell bsemaatee ptslida ctsvesutg dte Ptopasty. iraatl'ar es stock rights ere appdirtihle m the
wverage og the Property. Lcrder terry use the istauraaee proeee~a ehLc m rapaa or restore tLts Propeaty or
m pay amarma unpaid wader tLe ]Vote or this Banally Instrnrneet. whether a not tir® due.
area
-IAIPAI wwu re. t er re Form 3p98 7101
~i g~7P~39~5
ti. Octopaaay. Borrower stall occupy, e;[itMists, and use the Property as 8tarowab prlae$ral
rsstdeoce vvithia 60 days atha• toe ertersitoa of dtis Searriq Dart and stroll coWtiame to occupy ~
Property as Borrower's principal raidarce far at Itaat one you after tba date of o~rCy, nalea Lender
oWetwiac a~ in writing. vvldeh shall ant be taatrasorably vrithkreld, or unlcas ert~natia{
arWmatanea arise which are beyond Borrower's control.
7. Prtserration, li~fafatemaoe sad Protecifon of the Propatl; ~P~- ~~ stall not
destroy, damage or impair the Property, aitow the ptt>Ererty ro deteriotatc or commit waste oa the
Property. W6elirer oc not Borrows is residing in rite Property. BOrTOV1R:r shall Q78>aFBia the Pmpaty in
order m prareat the Property imrn desetuxaiisg or dstrpsirtg is wtae d~ to its tzaditiao. UNsu it is
detettrtioed prasaant to Seaioa S that repair or iestorsdaa is ~t et:oaoadclty fraafhie, Borrower slnll
p~PUY ~k ~ ~~' ~ da>raged to avoid tlrrdter deierim~ ~ damage. Yf instaanra ter
~de~a[ioa prorxds are paid in comtettioa with damage to. or the tatittg of, the Property. Borrowe
shall be responsible for repairing ar resExIag doe Proper=y on1Y iF Linder has rr3eased pavneds for ra>~
parposes. fonder may disbraae proceeds far the repsits sad fasm*>tioa in a single psyareat a in a series of
progress. payarcats as the work is emapletcd. If the inaorance or caader~ao pcaooods ors rot aaffidatt
m repair ar restore de Prvpnty, Botsowex is not rrtie+red of Borrower's a613garioa teat the ooanpdetioa of
such repair or tsstaratian.
Ieada or its agars[ may mete rtaSOnahle tattiea apOfr sad of the Propety. If a boa
rezamgble came, Roder may impact the hatsior of the imprvvem~sts as the Property. L,asder aheB pies
Harrower aoatioe at the time of or piior to arch as interior itnpeef>aa speclfyia= such reasamble cease.
& Barrwver's Goan AppBesdita>. Borrower shall be in defmlr ~ dstriag rite Loan appiiodoa
process, Borrower ar eery pessoas or esrtitid acdag st the dirxtirm of Btazovwx or wide Harrowes's
koowiedge or eomrst gave mareriaity false, adaleading, or imttrurate iad4emaaiw ~ statrarreats to I.ader
(oi famed m provide Leader with arattriat infomradoa) in eamrecdort wtdr the Iran. Material
tee iaolade, buE ere m[ Kited to, reprrsartadotts eotroeraing BearoaQ's aaarpaney of the
Property as Haesavxr's pritieipal residesrce.
9. Pcataedoa o[ F.erder's mteast in tix Property and BY~rts Under this SecMrlty >f
(a) Borrower» to perform the cove®ots sad agrneatettes camtaitred is this Stay Instrmtmot. (b) there
is a legal psaeeex)6ag that mialtr sigmfaxady affect l,.mder`s irlleresL in the Prapaty ard/m~ rlg~ tondo
thla 3ewtiq Insattateot (soeh as a proeeediag is 6aai¢nptcy, probate, ibr wndeamtuiort err fmfeidus, for
eefarrmaeeu ~ a fiea which nwy atsain priatiq aver this Scaaiq Irk rr to etd'otoe lttava ar
rsgtilat}ms), or (c) Borrower has a6e7:btred rite Pmpeaty. thin Linder may do sod pay for whatever is
reasonable or grprapriate m protect Ixader's intererc m the Property and ~ under this t~utty
Instttrmeat, iaclodiag protecriag and/or assadag the wine of lira Property, and scenting endJar rcpaiaog
rite Property. lxnder'a aedooe oa include. Got ate not limited m: (a) paying nay rn~s aeasrad by a lien
witic6 has priotih' aver this Stxarcity Imttament; (b) appearing m coor~ trod (c) 1?ay~B t>s9aoabtc
alioraeyt' tbei to prolart its intetla[ in the Property mrd/ot ristrta tmd'er this Se~igr Inch,mrmt, iarmding
Its scented position in a baeilQUPmy Pig- ~ ~ri inehtdea. bat is not 1'r~tad m,
eoterirg the Property m malm repairs, tdsarga locia, replace or hood up chose and windows. drain water
tiara pipes. edimirrate baitetng ar other code vtttladons or daogaoaa ooodiaaaa, and have tm7idea tmmd
oa or off. A)dtougls Leerier may nice aedoa under this 5eetion 9, Lnrtder dxa oat have to do ao and is rot
wider any dory or obligation to do so. It is agreed that Lrnder inctas m liability for mt toting a$y a all
atYiorra amltorixed wader skis Sestina 9.
~~
(~-tiAtPA) fOSOm r.o. e m ~a Fvrm 9D39 110
~'} 957P63946
Airy amounts disbtasrd by Lersder under [bis 5ecaou 9 shah bxwae additional debt of Barrows
secured by this Sernsity Imtrtrrrrent. Thee amorsras shall beat interest at the Noce talcs from dte date of
disbtasematt turd Shull 5c payable. wish such intercu, upon z 5vm Lawler to BArrmver reque~ng
~ If~ s SerAriEy Itatrvmeat is w a laisdwid. Borrower shall comply with eU the pTm~isiogs of the
lease. if Hormwer antes fee title m the PropettY. the l~ald and the fee title sha1I not tnage unless
Lawler ems co the merger in writing.
10. MarteaQe 3>enrnnoe. If Linder squired Mortgye heurartoe as a coodi6oa of meldnQ the Loan,
Iiorrvaver shall pay the premiums requited to aaiat~ the Mtxtgage iasmam io effect I~ foe any raeaao.
the Motlgs,e ]n»aooe coseraBe rtgtdtrd by Fender ceases m >x avrtihdile See the mactgage iraaer that
Pm'i~lY provided such itsanance and f3ocrowcr vvac regeired m mate aeptaatdy designated paytaeots
toward six pxemmros far Mortgage Irrsrrnrstx, Borrower shall pay the premiums trxltdred to abuse
mvetage suhatatniaUy egtdvaiesa to the Morrpge )a9tuatax previously is effect, al a m¢ atrbata>mally
egtdvalerst m the mat to Borrower of the Moctgatgc Lrsnraae previously in effect, from as aleetmce
e iawrer selected by Larder. If snhatantIaUy egeivaiert Mottsage Grcaana t~overage is rmt
avx'labie, Borrower shall mtrdtmato pay to I.ertder the aromas of the aepotraelY designaad PaYmem that
wee due wh® dte imvrarsce tmvtaage ceased m he in efha. Leader will tfaxpt, use aad retain these
paymaats ss a ttoo-rea'itndable loss ttaerve in lieu art' Mm1lt~e Irtsnrance. 5orh lass reserve shall be
ann-zefunbable, mroritlu~ndiga the fat that the Lama is nltamudy paid in idl, sad I.endrs sball not Ix
required m pay 8orsnwer anY httaest or r:arairsgs w sttt3t loos reaave. [.coder caw m bttger wquite Iaas
reserve paymersts if Morigaje Iosruaxe aNCSge Cvt the amours[ sad riot the pes3od that Landes ttetpures)
prorided by as iasrsrer seicctod by Larder agau betwn>s availeWe, is obtained, and IFader retpuurm
~+'a~Y daigoaxd ~symatta inward the psemimrss Cur Mortjege Tnsmntm. If Lender rcgnirzd Mortgage
hrataaacc as a metditrmt of malting the I.an atal Borrower arms tegro:sd to rmlce aelraaatdY tis~pated
paymasts ooa8td the premiums for Mottgtrge Lmtrance. Bo:roaver shall pay the precnimna rataisd ro
nuinmin Mortgage Tnsaomce in effect. a to provide a nort-refmdahle ]oar resave. umrl LarMec's
segtdretoeat for Mortgage lrr:mans ends in acmrd:ace with any writtea agreement beawem Btarowes sad
Lemdcr p~xovldlsrg far mdt camination or tmdI trnninadw is tequtted by Applicable Law. Nathi»g in this
5ectioa 10 atiects Bartower's ohlipdorr m pay interest ra the torte paovided a the Noce.
Mtntgaips la:nrata:e reimburse Leader (or any salty [bat pusstaces the Noe) fa< certain losses it
away incur if Btxrovxr dos sot [spay the Loan as agreal..Borrower is not a party in the Mo[tg~ga
Instusrtco
Mortgage imsnrs7s evaluate their total risk on all such instsrancc u force from time to time; and ttury
carat itt~ agteemems widr other parties that share er modify [bear tick, or reduce [oases. Zbeae afReemeats
are an taints and cofditioaa that are dory m dte orortgltge imttrer sad 16e other party (or pasties) m
these sgtumertta.l7tee agrtxntertts roar rts~rirc six mortgage irssutnr m maloe psyaxrsu using any satree
of fnnde flat the mortgarg~e insmc near have available (which may include fmsbt ohuioed tram Mortgage
ir>Srrraaoe psemitsars}.
As a trssit of ttxsu ate, I.ender. any tnntatasv o[ the Noce, anotlxr usurer. aaY rdnarrer~
say othQ etrtfry. or any affiliate of any of tlx faregning, rosy receive (directly or inditatafxy) amotmes that
derive tram (or might he eltnatxeriaed as) a ptrrtioa of 8orroaer's pgraenu fod Montage Imiaaace, irs
exdtange ibr sbsd~ or modifying the mortgage hearer's risk. or mlueir,g lostas. 2ff wch agreranart
psr7vidn that an affiliate of Ltade: [aloes a slate of the fnsurer'a ri$ in etocttartge floc a shoe of the
taensimns paid m the imotet, tfie arsmrgemetx is ofun termed 'rrptive rdnstatmcx.' Futthe:
(a) AoY such a~semmts 'srtfl not alYeet the asuomts that Honawer has age is ptty [or
Morip~ Iasneanee, or arty other tans of the Ltan. Sbeh a~aemm4c w!H sot hseranse sloe aanannt
Harrower veID awe for Iastaancr, sad thry wHl not ®tltle Harsvwer fo ~Y retlmtt.
~~AIPAI r>a0~ r`a. Y of re Fenn 3039 t/0~
SK1967~~3947
{b) ~ atrch a~arrts wiII not affeei thrc rigtrta l3orrnwer h>s -Kam -with tntspett to tlae
Malpgle Latrvance nailer the Homemv0as Ptstaaion Add 1999 a aaq other law. 1Lese tl~thc
may htcluds ebe rest to reQire cerhio dledorttwes, to tequst and ohmin anodiatimr d Sae
It'Iarlp~e 7aaudance, to have fbe 14fart~e Tosnratace iernalaated aofamatEwA7. and/or to tscdve a
tt[~d d any Mortgage Imuranee pre~mus Wert were taaerQned ^a the tbae d sndr rmedlatlon err
ter~aadlom
LL. Aasigauoeat of ritisce-oxeoas Proceeds For[eidas. All Misodlaaeons Proceeds nse 6etdfy
assigned m soil shall be paid m Lender.
If the Property is . soc6 Aiiseellaaeata Procadc shall be applied m ramration or repair of
the Property, if the reatmafiors w repelr is axmmitslly fauiblc a~ Lender's setuxrty is rot lesssad.
Daring sorb repair and testoradoa period, Lauder:hall lave the rift t[r lwld sadt Msacdla~ Pratxeds
rail Leader has had m opportmrity w irapest etch Ptoptsrty to favor the wort has been complersd w
Lt:pcer's atgidaatoa, provkled that such iaspoctitrn shaft be uttdt:rtaltm promptly. isada may pay far the
repairs sail stistmratian in a sitsgle diabursemeot or in a saris of progress paytoatts as dre wrote is
campleoM. Udes as agreraKtr is mode in writing rtt Applicable Law squires interest m he paid ao urh
Miaeellmmus Ptaceeds. Larder shall oot la: tegttirat m pay Harvtvc say iut~t or arn5ogs an wch
Miacdlaaeoua Proceeds. If the restoration err repair is not ecaaemicaliy l~ibie err Leach's atxaaity wonid
be laseoei, tlx Mixzilart>eoas Protxedi shalt be applied m the sums oasts! by this 5eeurtty Inmramtmt,
whether m not then due, witlt the ttrcess. if atty. paid to Borrower. Sack Misedtetre0as Proceeds shall be
sppticd is the order provided fro iri Section 2.
In dte cram of a total taking. destruction, or leas in value of the Property. the I+diatsltaootn
Proceeds gall be applied m the scans aeaurod by dna Saaray IasOntneat, whe;ie_' or me then dm, with
the eaCest:, if roY+ P~ l0 Barrorver.
In the evwd of a partial takitrg, da~uxJoo. or lass in valve of the Property in whidr the fair marixs
value of tLe Property i®ediaudy before fire partiai taking, desevCim, or later in veloe is egaal to or
gtraoet rhos the amwttt of dre smas seetaed by Wit Servrlty Insmaaent imme~ttely bt:har the pedal
$xttrrty'~Itti4'ttment shall be reduced by~attnttat of tt~ Procerris
inQitiptied by We fWlpwfitg fractidc (a) the tool amount of the ssaas seeterd izrrmedlaDdy bessme the
partial taking. destructton. or loss in ratan dtvtded by m) me ibis ra>zio~ v.lno oe the rtaparty
ixmo~aaely before the partial rald~, destrnctrn. a toes isr vdue. Aqy baltune shall be paid to Borrower.
In the evert of . porno! tstiug, desatretlaa, a loaf is ntue of the Pmpasy 3r w~ the fair nndtrx
ra1~ of the Property ~ Y beEoce the pertlat takIttg, destruetloa, err toss m valor to less than dre
amooot of dre amns axarrd iomredialdY before the partial talcs;, deatrocGon. a loss is value, tmksa
Borrower and !.coder otherwise ogee is writing. dse Miaedh»rwoa Proceeds shall be applied to the srmos
seated by this Scarify Lrstruocat wlredrQ ett rot tae sus are that dne.
If the Property is aba0doped by Sorrvaar, or it, aims notice by Leader w Borrower drat the
Oppocigg Party Cat defhred in tins next aentersce) offers m maloe sa award ro assJ]e a claim ~ dosages.
Borrower fills au rrapand to [.elder witlrin 30 days ai$r the dace the nodes is aivm, Lender is
w ccaleet sad apply tl,c 11[toodleaeoas Pnaoeeda elcrer to te~oraeoo or repaior d the Property ra W We
sus aetsrai by this 5ecarity Ittsa,mterti, whether or not then dne. 'Opposiety Party means rite tlactl patty
that owes Borro't+ves hfmxtltureous Pmetsds or the party against why I3ottotver has a right d erlion in
regard m ilrtaeaas Prooads.
Baarurrver sbaB be ip default if aqy acdarr a praceedIng, whether dvfl ro u®ittal, is began that. in
Iroder's jttrlmooeru, cadd result in fttrfeiatre of the Property a otter m~iial impaim>cat of I<adds
interest io the Property a t%ppts udder this Saarriry Insttnmat. Borrower eaa rase loch a defardt sod. if
arxderation bas occwred, rritstam as provided In Secdott t9, by causing the action of pa'oeoedmg to be
~~.
t~-6rrWpf poop ~ ro m is Faro 3039 tlot
l96fi~'639~8
dismhaxd with a sling [hat, in Lender's jttdgrnart, precludes forfdnue of the Property or carer material
nnpaamaa o[ Lerder's imet~st is the P~aperty ar ~Bha wader this Security InaGrmneta. T71e piocaeds of
wry award ar cialm for daaoages drat are atttibiwibla to the irrrpai¢mmt of Tinder's interest m the Prapaty
ate hereby a and shell be paid tb Lsnder.
All >Ni~~ ~^^~ Procrrds that are sat applied to renoratian or nepaa of the ProQerty a1dI be
applied in the ruder provided lbr in Bettina ?
1Z. Bocrotrer Mot llaietrted; t?oebearwee By Lender Riot a Walver_ ! of the fiat for
payment or tttttOttipdon of amaantian of the sums semred by rLis Saaaity Imtrumapt gtmrtted by I.atder
m 8orrnwa or arty Snocrssoe in InRSesr of Borrower shall tint operate to release Ate 13ability of Btatnwc
or any 9uotzacats is laterrst of Bmmwcr. Larder shad not be tequitad >o oomrowtx ptneeadir>as +tAaisat
any Soocessor is Itaetest of Btarov>cr or to tefeae to tatend time for paymen or otficrwisa nadtiy
at~tiadon of the smms sassed by this Scarify Imhtmrent by rrauon oP my demand made by the origlast
13orroaer m a0' Sltamcrs in Intatst of Borrower. Any forbeeraarx b5' I.etrder In etesraiag airy tight m
t~eay ir,dad;ng. aidnur Ihtaiudon, Leader's of payments fimm thud petsana. eatitirs or
Srtecasaora In Iateaeat of Borrower or in amounts ~rhe antouat that[ due, sal tint be s waiver of or
prrrlude the nose of say right or remedy.
73. Jalat .aa Se.eral IAa6Ultr Co-tdgttt~ iota mrd Assi®as t3ottnd. smiouer covenants
sad a6raes drat Aorrowa's otttigadom std [iahility shell be joist sad ae7eral. However. any Borrower arho
oo-signs this Seraaity ia6lt+mxat but dues riot extxate the Mate (a "co-signal['): (a) is this
Security Iraau~eat only m matpye, grant sad convey rite co-aigttor's irneaest in ttie Property trader the
terms of tlds Security Irwrrtmm~ (b) rs nor try abligat~ w 1rW' the snm aetzaed by thls 5ea¢aty
t•~•~,•,••,,•- turd (c) agrors drat Roder am say other Borower as aseee to erm:atl, modify, 5oehear or
raaioe say amammdladaas wlth regard m the term of this Seaalq~ Tasti;umeat or the Note without the
etS proNistarss, of Secdaa 18. ^ay Sum in Inta>!st of Botzovve who axmmea
Bnrmwers abtigadom [rode[ thts Saariry Iashument in wrimtg. std is approved b]' Lender, shad o6tairt
all of Batmae:'s tights sad 6enaGta tndsr this Security Fnutmnerr. ]larrvwer shad sat 6e rdeaaad imm
Borrorrer'a obiigaAotx sad Iia6dity ttrda dds Securiq Instrttnrmc fatless Lauder agrees In surd tdeaae is
writing. 17t aHeamts s~ m ~ this 5eraaity Itatrrmrest shall bind (except as provided in
Section ~ and trtee73i Ilse sneeeems sad asdgrrs of Linder.
ld. I,oaa Chmya. I.endm may ~ Aortowri lea for sQViees pettouaed in catmot:tian with
llOCrowds ddSvlt, for the parp6aa of ptotrxtittg Isoder'a i>smest in the Ycuperty and xigbts node[ this
Security I~e.~, irr.[Ztding~ bat not limited to, amorrtys' fees. property inspetKiao trod valtnmon Reee.
In regard m any other tlrxs, the abamce oi` express taathority in tIris Sauriry Iashrmtrd to ~ a spedfic
fee m Bonorvrr shall tat be ooustttred as a pzohibitioa on the chatsit:g of soh fee. Leader may not charge
fees that art ef~praslt p~bdtrsl by this Seaaity Iaatrument or by Applicable Law.
H the Lana is sa tsc to a law wbi~ ae4 trtaxitmun toga t3ruga, sad that law is eaauy imaprtud so
that dte inoQest a< other loan such cdlected ar m be codeeted io with dt Loan eseeed the
permitted limits, there (a) m-Y such la~sa charge shall be redaoed by the ®otmt aeeaary to sedate the
cltatge m Are permitted limit: and (b) say sums already eollta:oed hum Bottoaeer which tamerskd petnt3tted
Irmits writ be xfnoded to Hrnzow+er. Louses stray choose to matte dris refund by r+edociag the ptine~al
owed tinder the Nom or by malting a dnecs paymtsa to Bwtntver. If a refarrd redrrcm priadpat, dt
redaction wid be treated as a parral Prspayaaeat wltimar sty psaTraymeat rbar=g~e (wlrrxhrr to not a
prsgaymmt c6sau is ptotddal Ror wader the Mote}. Bonotrer's attae of tttry such ttfimd made by
dirax ptym®t to Barrovrer wilt ate a waiver of any flpJrt of ertioo Borrower might have arising nut
of snch ovtati5arge.
t5. Plotless. A]1 susses given by Bmtovver ar Leader in conoxdon whfi Chia Setarrhy lasat®ent
must be is wtidag. Any aotioe to Borrower is eorutectlon wilt ties Savrity shall be deemed to
.u.+s
-6AfPAt ~awel ria +1 a i s Fain 3039 71Q1
8~t 95?~G3~9~+9
leave ban given to Horroaver when mailed by first class mail or what acnnuy delivered m Borrower's
mdcc address if tent by other mesas. Notla to anpr one Harrower abort ataxatitxtm notim m aft Bormwert
udeta Appliabte Law expressly re~ura otherwise. The notice eddxesa s6a3t be the Properly Addreat
aalest Borrower bas desisasud a suhttiaue notice address by «oda m l;.etder..HOrtow¢ Shan promptly
notify I.ettder of Borzowa's ~ of address. li Lender sptxafir+t a proctdtgte tar reportit~ Bortoever's
~ of address, they Borrows slatll only report a tdmage of address duoosh that spod$ed procedtae.
Theft may be only tnte dtsigarated mtitx uldrrss under tith Seariry Lsuuramt r any one dme. A~
entice to lender than be given by deGv it or by manias it by Rlxst ciasa mail m irsder'a addtnu
mend ]erelst unless Lerner 6ts ~ attottter sddrata by aoa;oe m llorrvrrts. Any noon in
tx~oa with thin Stxurity 1us¢wnent ahaIl not be deemed tb bare bem tb Lender notii actuetly
seadved by Lmfder. If arty notice regrdxed try this 5ecttrrty Itstrument is oleo raquued tender Appliable
law. flea Applimble Iaw requixnneat wnl sadsty the hooding tegairemettt cadet arts 5etxtrity
irsonmomt.
16. Cp+~ad>~ Law; SarerabiBty; BQfa aE C~omehodlw. Ttds Stxmiry Intutxaxem than be
®oveaoed by fedeof Isom aced dr taw of me }wiadiction in wdidr the ~pa0' is loafed. An risltn and
abiisstiom oomitt>:d is this Sec9rky itttttmm~att are wbjeet m nay tequirementt aced ~doro of
Appliahie Lsw. Appli®de Isom utig~tt explicitly or implicitly allow tic partite to agree try mdtraa or it
misfit be anwt. but torch shears abort mt he aomtrned s a prohr'blO'ao asairst ~+ea by rnotract. In
the eves that mY provision oc claate of CEdt Stamrity laanrtneut or the Mott caffittri with Appiiablc
Lear, sttcb eoa8ict tbill not offal other pmviaitns of this Securicy instrwnea or tae Note avhicl- can be
glum Meet xvimoat the ootdlictitts psorisioo.
Ace teed. is tlds 5aurity latut®eat: (a} wtada of the masaditx gender altell mesa aced irailade
artetpood{ng Dearer words or words of Sra feoriniae grader, (b) wards in the sionltdar ahaII torn and
include the ph¢al and vice ve~a; sad (c) the wand `ttmy` lives sde dis~tioa without say obligation m
laid nay a~ort_
17.1)attuwQ'a Copy. BortDwer stun )x given one Dopy of the Note sad at lttu Seaaity t .nom
I$. 1Ya~nttet' oL the Propatty or a Beo~r3ai lataest m Hofsswer. As aced is this Section is,
`Ittterat in the Property` mess any legal or beneficial hweteu in the Property, includirrp„ bat mt limned
to, thttte btas&at its ara~Ecred is a Goad 6or deed, ootttxact Ens deed. inttsllmett sties eoam~ or
snow the intent ~ which ii file transfer of title try Borrows a a ihtiaa dad to a parr:hater.
If an a arty part of the Property a atry Iarcrst is the Property is sill or domaderred (or H Borrower
is tnt a Dotard pesaart sad a beneficial ia[ertat is Hotroarer it sold or traatfared) without l~aotter's prior
writsaa eoaseot, Trader tnay rdlaire immediate ptiymeot in fall of all sums taxuted by this Secarigt
I.~mt. Aoweve:, tlda optiw shell not t>c exercised Try Lender if etch exerdse iv ptoht'bital by
Appiirabie Iaw.
If Leader eitexdsa this optme, Leader shill give Bartnaver entice of accaleratiom. The not{cc sfteli
provide a RQ'Od of not lets @ua 30 days Exam the don the aaia is sivea fi accadaaoa with Secooa 15
within arlueh Borrower east pay all somas secured by thin Seaaity Iattraanem.. Tf Herxoaver fails m pry
these smas prior b We expiration of mss period. leader may involos any remtdies permitted by this
Stswciry Iastrttmeot withmt ftather entice ~ tieraand an Borrower.
14. Bor;owa's titl~t to In ARa Ana. iF lforxoaver meets ceeain EoatB@oas,
Borrower sbalf stave life t~tt m have enFo>xmtert of this Seanity Iaaorameaa diamot3med u any time
prior >A the arHeY ot: (aj txve days blare axle a<the Y putsuaat to anp $o~ of nab carrtaioed in
this 5amity Iastrvmeot; (b) loch cedar ptstiod at App{icahle Isom misbt spaafy for the tr,~mooa of
Barrower'a tista to reteGate; W (c) emty of a jodsment eaLocdxlB mss Saxaity Laatrtaarnc. Tbote
e4~doaa tae that Btttmwer: (a) pays Leader an sm~s wldcb then waold be due render dos Security
lastrt~ and the Alote as if no actaterulon lrod aectvteQ; roy sutra a>ty aetxaile of aqy othtx coveaats tar
t~~an~a-2 rseaat ~
I.~p~Frdi6 rpm t/Q,~
8ga~967 P~3~950
agteaaettts; (c~ payer all expernts iacrarrd in eaforzinE this SaaQiry Iramaneaa, ioclnding, bttt not iimimd
to. rr~eombk attameys' 1reu. property inspts:tioo and vahartioa feu, and other fees ntraac<ted bur the
purpose of pmtts~att: Leaders iuusest in the Property end rights Hader thie 5eruriry Im~tmesa: and (d)
tubes each actlm as Leader ~y reamaabty require m asatuz that Leader's iotaeat is the Property uri
rights trader this Seaaity 7aaawmeta, turd Borroarer'a oblfgautm m pay the Baas sectttod by this 5reaaig
insutanast, shell tmatiarte rmrha~ed. Leader rmy rrgoire that Hortosrer pay sneh re3¢aimmaent soma std
expatia is one or mere of dtt floElosviag forms u aclecood hY Larder: (a) w14 (h) taarey order, (c)
wed tixdc. banit clrxk, tteaaurn's ~ or tashier's clkcl4 provided arty sock chaclc is drasw ~
ea ittaCttttdaa whose depots are itrstacd by a fts>eral agatey, iosa>rm~lity or etrdty; or idJ ~
Fonds Trmsfer. Upon r~astastmtaa 6Y 13tnmwer. this 5eeuritY hsrtrarctmt sad obligatiiosa tsuured htadry
shill remain fiilly tdlactive as if n6 aaeelerufon had otsvrtied. However, this right to tlrlaaate ahaII not
apply in the [sere of acalgaeiw under Solon 18.
Ztl. Base o[ Note; ~ of I,ttsm SetHca; N~ of (itie-anm Iite Note or a partial iuteresr in
the Noce (tegcthcr wilt dos Setatr¢y Itssatmatt) t~tr be 6o1d hoe or mote tttaa wt166at prior nonce m
Borrowex. A sak mig>rt rasdt in a change is the entity (lotosvu ss the 'lan Servieer") that adkets
Periodic Paymears titre under the NtKe and thla 5eeutiry lmnnmmt std pafams othes taortgay~e loan
8 ~D taaler the Note. this Sts~iry itrttrtmldit, and Appliaahle Law. ltirie also might he
arc or mice c>>as>ga of dre Loan 5avizxr trtadstad m e de d the Noce. If there >s a mange of dte Ltam
Services. Botrnwer wt71 be riven written nonce of tfie thatge whidr will state the aurae and sddteat ~ the
sew Lam Setvitxs, the addtaa to whiNt pAymetrts allrnttd be mach and nay Ather isdotmatmn 1tESPA
requites is Cott with a notice of transfes of stsvicing. If the Note Ia hold std thetea!>ar the Lam is
scrvicod hY a Lawn Serriees aher !truer the purchases of the Nona, the mortgage loan servicing obiiguioas
to Horrowes wt71 toatain with the Loan Sravicer err he RssKfared m a eneeeasor Lom ServIxr and arc mt
assumed lry fire Nape purchaser wiias atlrusvlsc provided 6y the Note ptut3raser.
Neither IlorsowC nor Leader may commnrx, }oin, or be joiatd m aory,Jnditxtl action (as eirher m
iodividuai litigant or the manlier of a c]ag) that arLsea frost dte. odter party's sctitats ptnsttant m This
$etatriry I~t err thx aAeges flat the udder parry bas btsadxd any provis[na of. a say dray owed by
taaaa a~ thin Saariey Jnstntatettt, mdtil such Ijorrooer or Leader has ootifled the other party (with sdrtt
aotioe given in compliaatx with the n:gnirematts of Samoa 157 of such alleged ltreaclt and aftarded dde
oche[ poly heveGU a reasaarhie period ei6er the ghritdg Of such tdotir~ to taim ttnaaive tsdoo. If
Appiinblc Law pmvida a Lima period which mast dupers btdore certain acdpa cat be taimn, thsui thnr
period wSl be tieeatpd to he rdaeostabk fns purposes aE this parapap~ ~ notice of accalaatim and
opportmdq m cure given to Barmwer purstitmt m 5sstipt 22 add the mtioe al eazlaanoa gives to
Bonuwer ptnsrusrt to Setxion ig ahaU be deemed m setiafy the notice and appormnlty io teh coneaix
action pr+ovisiooa of this 9atioa 2t}.
ZL Hastutioue 8ohctaaeas. As used io this Section 2L: (a) 'HazarJads Sabemrees" are thost
snhetances deemd ss mtcic or lartrdom sddlsstmea, pollutadus, or wastes by ]3nvirvorrxmt law and the
idlowing athanmees: gasoline, l:sroseae, other flammable a teatic pcOndwm psodddca, [otde pudddes
sad herbieidas, voladk tolvmts, materials awing astitsma or botmddehyde, sad rar&oaatire matesiahti
(h) "Em+autmeosal Law" i~9 federal laves and laws of the jmrisdicdon wisere dte Pmpa~ty la IecaCed thu
relaee m health, sefesp a euvistaaoontal ptoset~m; (c) "5nriromdetkal QamP" imiudes attp rte
sctioo, remedial action, a remover! action, as defined in &nvizoumtnffi Law; aai {d) m ~.nvirvtmd~l
Cosditiort' means a rnsdittost dadt can csns~ caatriba[e m, or otherwise tsig®cr aA Envirvrtmeota!
Qamtp.
rnyc
®-6AIPAI rosW i ra is et t 6 Felm 3639 71D~
8~:#9b7P&39=5t
Bastower shall sac prose or permit the ptaetax. use, ditpostl. s or tdease of airy Iiarardass
~rbstsooe-, ~ thtzetm m tebase any Htadaec 5ubsltraes, oa tx in . Bortoaer shill not do,
nor aBcw anyaoe else m da, aapthittg affccda4 the Pmpesty (a) roar 3s is vtohttou of soy Fatviio~l
Law. (b) wbait Ce+eatra an F.nvirao>s~tal tioa, or (c) shah, doe in the gtsa®ee, use, ar relr:ase of a
Hazatdoue ;iv~uatx, t a coaffition that adversely atT;mts the vaiae of rht The
cero saumoes shall aoc apply to the tae, or srntage m the Rupttq~ ofsmsll gos~odes o
Flaaadan SubataaYa that ~utNt~~~ m he spproprbme to srsratal mideadsi saes sail ro
mainlCasaoe of the Property C :u ng. not Ihtttbod Oo. hazudoso sl>~ Ea t p[o~tCts).
t3ormwer shall promptly Jd~ Leuda wrltreo aotioe of t~ m5' titim, damtad, la-vsait
or othc action by say 8overnmacpt or regolalmy a8<acx or ~~vtrtg the Property sail any
Fimtdots Sobcnance or Emriromnestsl Law of wbtch hts tctntt lmow N) mY
Euviratta~t Cmtdition, incltdir~ brc out limited to,~y apiilfng. iailriztg. ditchtr;e, teleate or flaeat of
release of soy Iiasardoas Stsbctara, std (c) soy crndidaa c>oaed by the ace or release of a
Attstirdats 5lshtmste which advetrdy slims the value of the Pmpiaty. If arrawer~leans, ar is ratified
by anY~ve or aathorltY. or aaY Private party. drat ~ t®uwi ~ othaf ~noediadan
of say 9dgtaaen~¢~~ the Property is . Bormsrer chsJl paa~tty taloe all guy
semalial actloax m aarotdattz Ititvittrttmmtti Law. tstbisg herein ahei7 creMe- say . obligadoo oa
Lmdv for m Baviro~aral Qaatmp
IZUN-UNLFOBM CQVEfiAllfS. Brower and Lade further covwsx and a~ee as falittws:
22. Aoodaatlm; Emedtes. Lender shill dive ttotite m Bortmmt~ pps~~lee~~ OD esederstlon tbl[ewiaB
Borrows': btt~ o[ aaty cosattmt ar meat in this Semrliy brdrimest (bat ad p~i~ fa
aeaisattoa a~ t3xltaa 18 amlese Iaw protidn athetwiegl. L®det malt notlfl
Bgzvwer aC. a~ other tMa~ (t) tha uatynt4k~) ~a aceiaat eegaind to ear t7m dedatlt; W 'Mlrs
the .t aamtt be sued; sad (tq that hailaee; to ~a the dadltah: as taq i+emlt is
accehestEon of tbn tataot ttectat:d by this 8aarity lodsmamt, !b[edatms 17~I1 ~d
aaW t ~rih~~~aategE in the t'oseckwiee y~~~~~ the ~~ d adcllmit~ ao ~m
ddt!sae of 1;acrw~ to acadeattoc acrd itat+edCwre- I~the detialt b aaR eyed as spedfkd. I.euder at
its opKm rap regs3re imme~a6e pc~m~t ha LfaB of sB groat rued h7 thls Semrlt7' Iaut6~maseat
wlthest lht~ dmtand sad taq [arodea this Seroaity loRtmt~t b7 jY~dal p~q~, I.wdar
shall be attttled to a0ut oB e~tt ianrrted in pattfeiolt ttie ttotaediei prodded fa ti3ct~latim 12.
~bst sat Utnltal t0. atttaent~yt' tka and a~ o~~ tItk eridmee m tits eacteat pied by
23. Baieacs. APm payment of slt sums teCared by @tia 5et~y IacGvmmt, ilea Smsity Irsutmaeot
sail the arras ooaveyed ahsll tertaiaate tad baamc rofd. Auer atah ot~ssmce, L+uthr ahaII dtsdtatye
aril satisfy this Seem Icl~tsxmaE. Borrower stroll pry atq+ recordatiaa coca. Leader may tiauBe
Borrower a f6e tot tt:la~g thin Y laaaameot, but Doty if the fce is paid to s third poly for acviees
xeadered and the charain; of the tee is perasiited order Law.
7as. Ws[ras. Borrower, to the anent peraritted by fcsble Law, vrstves sail takers sqy soar or
tie ~ ~ a~raa~~e ofimx~. - ~ a ~y ~ sak
?S. aeho retiod. Horroarcr~a rime m te3>utaoe proviaea in sa~tm l9 shalt oueud m age
.tn the ooaaaene~eat of bidding at n sheriffs sate or' other sale pmaomt m this Se+auity
26. )@'stelace Money Martpt0e. If esy of the debt sxtsod bF this Saa}t3ty Iasfttaners is scat to
Bvrmrver Go atgaite tide m the Property, this 9ecsiry Iacn°amas shaIl he a putr]ute mmey tttarsyate.
T7. Tderest !~ Alter .fadyamt Btxrosvte adtees that the Gttaoat sate prprable athY a ' a
eatasd oa the Note arvr as actsoa of nrartgage forecSosare ~ be the rate payable from t~~ttsm
andet the Nate.
rwu~
~~F/v adnY ~ ~• m re Farm 30'8 ila7
~! 4b~~39S2
BY SldiiINd BELOW, Borsuwa taxtpcs and m the tu~m and eaveeerlts w»taioed in this
Sean;ty i,~shwnrat and is atry Rider executed by Borrower aad rxorded wnR it-
Witltesscs:
~ -.
~,,,,
_~J
ar Cas9e11 -aurrorr
(~
~or,oaw
(seal} tseel~
-arx,os.r -ao<s~
iSeai) (~)
Ca. OzoiC ~orlolrer -Harorer
_ {Seal} (seal)
_golro~.er ~onawer
~~Bp(PA} Roa qp lb d 1 fi Porm 8099 11'01
~.t967A~3953
L
COMMON'R~AL'I$ OF PEIVNfSYLVAPtIA, C.UYYL},Q j-l cr ' ~*' ` C°°nty sa:
On this, the ~, aay of Ast4ttst. 2006 . bef6n: me, tha
wtdersigtted ot~oer, pezsoetally appcat~ Harvey Cassnl7 's ?dA ~rnvn..ty ~. Pazo l G
a.~.d~-
Raymood G. P amie
Imowu m me (or
~•;~=~~rily Prova~ to be du peon(s) whose mode) is-are subscribed to the widria insrr~~mt and
acknowledged that hetstte/fhey atecoted sane for tha`"parposes herein eotuai:eed.
IN WITNES5 WAEIibOF,l4ernmto ert my hand and offscial sesL
My Oteamie~ott Famites:
~--
N0~61iYlll41 ~~~ C~~~
teliFtA C 13pt
Ilolay Aioae ~ O ! ~' ~
ltlG1At71~171IM1 CtanpE OOIMIy
e41r CamcYceon t>lgrio Od 14, 9009
Tick of Otaoer
Cettl![caCe of R~dmce ij ~ ~
I, l1!~'-~ h 0. C . L' 1 f-lC. . do hmd~y cariiy tmt
the eoaect addirss of toe within-named Mnrt~ttget is P,O. 8wc 2026, Ftiat, MI 48501-2025.
Wikuasmyhsndthis 3lst day of AOgust, 2006
lS~1S~L LS~-
At~~~tl~
»
l~dAtP/lltosoec Pp~16dt6 Foraes008 ~ro1
1
~ ~67P633~t~
AD.iUSTA]BLE RATE RIDER to Secarity ]ns(zttnrat
(LIBOR 6 Month Iadrz . As Pa6Uatted in The tf/all.Srrsrr learner! -Rah Caps)
{To Be Rrnordod Togditer with Sc~uity Imttttmatt)
T?IIS ADIUSTABI,E RATE RII}IIt is made this 31st of August .2006 and ' mto cad shag
be daettmd to emend and tatppiatunt the Mme, Qaed of 7mst a~ Seauity Deed {the '$ecority ImQnmmf}
of the sauu dots given by Ste nada>t~dd(the 'Borrosro~') to booze Bonvwe's Adjamhla RaOe Note {ihe
"1Jwr~ to Egn~isst Cmpo~,Goa (the ;Lea er') of the same dace asd covering tbo p[opoty dcvertbedm the
Severity Inshtrment and located ab
2 Raspberry Dritrq Mechenirsbarg, PA i70S5
(property address}
THS NO?B CONTAINS PROVf5ION5 ALLOWDHG FOR CHANGES IN THS II+f1I' RATS AND
THS MONTHLY PAYMENT. T]SE NOTE LIMiT3 T8S AM013NT THZ HORi:QWER'S IlgTlSREB'£
RATS CAN CHANGE AT ANX ON6 TW1'T AND THE MAXIIMIit! AN75 NIII'IIMIA-i RATS YHl~
BORROWEHMLTBT PAY_
AADPTItONAL aoVENANTS.
ltt sddstioa In the eova~aats cad agreements made in the security Isatmmmt, Borrower and Lmder fiuy6er
wvenaat cad agree as follows:
A. IIV7~R]BST RATS AND MONTHLY PAYbIir.N'P CAANCES
The Note provide for en initial infant rate of 7950 4'.. The Note provides for ~grg is flea iatereat
sate sea the monthly peymest as ihlIows:
{A) Change Doha
Ths inmost Sato I wr71 psy anycb~ oa 5epaember 1, 2008 sad m that day e+rery siutb
asatdt tta~a. Each date on M c~td my interest sate mould cirmga is oaDed a "(3iauge
~ The Iade:
Beg'omiag wills the fast Change De6e, my ipCetai sate wi71 be 6esed oa an Iadmr. The
"fader'" u the svedtge of iaterbemk affesad tab fin s6o-mooh U.S. do1Mr-deoo~nated
deposits in ffie London market ('L.IDOR"), as pabiiehed in Tlk Wall Straw Jattrml. The
meet repeat 7alac figure available ss ~ the brat huahres day of iha mentb hamadieteiy
dam tba mmth is which the Chsage Data ocaua is deer "C1mmt hsdea."
[f~tha Iadau is vo loogc aret~abla, the Note Holder wt7l choose a sa:w i~c thst is beeper
upper cxmparsbla iotosmetiea. The Note Holder vn'II ffi'~ me entice of this ebnix
(C) CalcaLtita of Chatages
Before cads Change DatQ, Ths Note Holder wiEt cakolafe my ttEitr iaoeseet rate by adding 5.440
pereratags poims [5.440 9G) b the Ciareat halac. The Nora Helasr will ohm raped the ssah of
this addrtian b the nrareet om-0ighth of ome perexat~a point {D.1?SJ6), Subject to the Ilmitz
stated h Seatinrt 4(D) below, Ibis ta®ded emomt wt'fl ba my intmeat ram imN the mtt Change
Detd
The Nate Herder ws71 dten determine the emoamt of the snoothiy that aioald be
sut`Sicimt to repay the unpaid principal that I am exported to owe am the~Dde is fall as
Fbe Mahaity Date at my new interest ate is aabataaGa]]y equal pd)mteod. result of this
calcalsGon moll be the sumo smoimt of my mmtthly paymemc
(D) Lhrib ou IntaestRate CLangter
The iatosat rate 1 eta. ragaitea >n pay at dre fiat C4aage Date will not begrm~g then
I0.950X or less tbm 7.950% . ThereafEer. ray inteaeat ~ vre71 never ba loaeaaod or
deceased as nay single Chsaga Date by mare t6aa ace psaeaatsQe Pomt(s) (1A094) the came of
interest I have heap pay~og for the s6t tnodhs. My a>taest ate wiG never ba
greamer [hart 13.950 % or les rhea ini inmtest sate; provided fig is SeeGan 2 of tltis
Note.
EiaSi] (aSA2) Page 1 oft
~ ~~~-FG39~55
(Ei EBertive Date of Chsages
I>,y new interest rete will biome et6ecdve oa each Changer Date. I w-'ll pay the
amotmt of my sew monthly pgrmmt b~{as o° the Snt mmthly Payer data afteQ
the thange taste naol me arttotmt of my mart paymaat ehengea apaia.
~ Notice or cnaa¢s
The Nate Ho3dq wrll deliver or awl to me a ootiee of fury olrargos is my caw intaeeE
tare cad the ~oant of trry ~r~5' Day~t be6Dre the edfsative date of eery change.
The notaca wi11 inelode iatmmatioo tegaircd by Saw to be given me sad aLo the tide
cad tc3ophame number of a pecan who wftl grower tray qua6oa I may have regm+di»g
the trotire.
B. TRAFlSFSR OF THE PROPERTY OR A DF.NiiFICIAL INTEREST I1V 390RROWER
Uniform Covenant 37 ~$ the Seouciry Tnstswnmt Sa amended r4 red as 1631ows:
'ifamder of Pmpaey or a Beatffcle3 Interest fa Horrawa. If all or emy pat of
the Property ca ury iaterea in it is sold err IIanafetred (~ tf a bmarulal interest is Aerowar is scald of
unne&iad cad 13oxtower is not ^ mtrrral pman}, without Laades's prior wrinrm aotramtt ~~' ~Y>
az its opdaa, require immediaLs paymerrt in fall of all sums seeared by tbia 3aaarhy Tasattmeat.
flowava, this option shall not be exat:i>tid br Leader if axerciae is prohtbited by lhdael law as of the
date of tlria Sorority Tnstrummt Lerida also e6ati not eaercice this option iE (a) $ottoaor caosa 101>c
submiCed to Lender info:atation regoirad by Lander to evalnatr the iatecdad ~ if a new kran
were being made m the tr:mdereG end (b) Lander taetombty datmnines that I.eodera eawrity wD1 mt
be rm~reired by the loan tin and that the risk of a breach of eery ovvenant a ogttxarwt in t}sis
Seeanty Irtstrummt is aoc~to Lender.
Ta dis wttaat aed by appliesbb law, Lcadec may charger a reasooa6k 6x as a ooadiiion m
Lenders ooatretrt to dte loan esaamption. Lender tray also ttsquim ate tsansfeoe b sigh an awaimptiaas
agtee~a4 thffi is ectxpteble to Linder end that obligate to the treoelhree to keep ell the ptamiaes end
agreemsmda made in the 1Vota and is the Security Ittsbvmeat I3artrwer will ooaanae ro be obli~d
undo dre 1•Iote cad this Security Iastrumaat ualea I.aader rebases Bmawa in wtiimg.
if Linder exercises @m oPd°° m yequQa inoo®edieta m ft:A. Linder shall l~ Honowar
notice of ecalcrali®. The ttMico shall pmvrde a of ad 6aa then 3D days Stoat the deoa the
mtlioe fs rieliverad rn mulad within wbieh Hmtower moat pay ell sums axrned 6y thk Saatdty
Iastrumoat )f $tstrowa Eula to pay rheas sums p~ W dro a~iratioa of this par'iod, T.eodar tray
invoke car temedIes p by lbde Security Inauvment rvrtbout antics err demand oa
]iormwrr.
BY SIt NINE HELAW, Sattower at7cgrts and woes to titer items and covepamts ~incd in
this Atijustablc Rate Rider.
nzoia
t~oetz t~l Page 2 oft
9~~9~b ~ ~~ ~~~:.~
ADJOSTABLE RATE INl'EREST RATE FLQQR ~
PREPAYMENT PENALTY Rider to Security Instrument
(To He Recorded Together with Security Instrtmtent)
This AD7USTAB[.E II1C~ST RATE FLOOR & PREPAYMFN[' PENALTY RIDER (the "R+d~') is made
this 31st day of August, 2006, snd ameauds the Deed of Trost ar Seaaity Deed (tae "Saamty
hratrtarrcnt") dated the same dace and given by the a) who aigt~ below (the 'Borcower(a)") to EgaiFn3t
Corporatiaa (the "L,mdes") m seeuts ptepayareat of a Note is the nmmmt of U.S_ S 156,400.00.
In addiEw to the a~reemasa and ptovisittns made in the Note acrd the Security Instrtmamt; ead
rrotwiihatmuliag say provi~tma to the umlrary contained in said Nate ar the Security I both the
Borrower(s) sad the Leudc fintlt~ agree es Follows
ADJUSTABLE INTEREST RATE FLOOR
Ibis loan, has an Interest Rau "floor" which will limit the amount the lalerest Rate tern doaease. of
any changes m the indec, the Iaoatst Rate during the term of this Ioan wrll nevor be less then the initial Intmest
Rate provided fix is SecFian 2 of the Nate
PREPAYMENTP'BNALTY
Tn the avmt, dtrriog the bra 2 yeas: after the execution of this Note; I make a t and the ptapsymaot
exceeds ~h Pmt (?~') of ~ Qiginal principal emovat of the loco in aoy~I2) mouth period, I wiIl
pay a psepaymaat ohvgc m ass rmoeat alas! m six (6) meotlta' advsnw iatenst oa the satosmt prepaid ~ahioh is is
excess of tamty paeeat (2496) ot`the original p:inespel aawont e~the Idea within the twelve (I2) mouth period.
The Note 13aklar will ant assess a paepsyment peaetty rdfer the god amiversuy of the deb of seattioa ai-~is
Nets.
. .oast
~~ t
'~ ~ ~~,
ALL that certain tract of land situate in Silver Spring Township, Cumberland County, Pennsylvania, bounded and
described according to the Subdivision Plan for Hblly Estates prepared by Walker Associates, dated January 24,
1986 and thereafter revised and recorded in Cumberland County Plan Book 53 at Page 67, as follows to wit:
'BEGINNING at a point on the dedicated right of way line of Raspbeny Drive at the comer of Lot No. 15 of the
above referred to Plan; thence along the said Raspberry Drive, on a line curving to the left and having a radius
of 175 feet, an arc distance of 39.08 feet to an iron pin; thence along same South 35 degrees 45 minutes 00
seconds West 145.11 feet to an iron pin; thence along the legal rigfit of way tine of Hogestnwn Road, Pa. Route
114, North 54 degrees 45 minutes 00 seconds West 75 feet m an iron pin; thence along land now or formerly of
Kreitrer North 35 degrees 45 minutes 00 seconds East.202.54 feet to an iron pin; thence along lot No_ 15 of the
atwve referred to Plan of Lots South 41 degrees 27 minutes 13 seco-tds East 81.36 feet th an iron pin, the Point
and Place of Beginning.
BEING Lot No. 16 of the above referred to Plan of Lots and containing 14,584.1 square feet, more of less_
f3EiNG the same premises whicfi Robert E Diehl and Nancy C, Mehl by deed dated June 9, 1989 and recorded
June 13, 1989 in Cumbertand County in Deed Book Volume 33 at Page 601, granted and comreyed unto S. R.
Subrahmanya Prasad and Champa S_ Prasad, Kasaragod Janardhana arxi Usha Janardhana_
KNOWN as Tax Parcel # 38-21-0289-020P
a, err., t..,,~.~-~TtC"s ems`'' ~.,r.} ~Il
r=~ ~.' ........ A
:s , ~:... + ~ z~
r ~.,
+ ~ ~;.
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•~• ~,~ faMHOS-oo5s3.P~aturros~oosa314~
r ~~~
Prepared By:
Law Offices of Gregory Javardian
1310 Industrial Blvd., Stet 101
Southampton, PA 18966
Return to:
Law Office of Gregory Javardian
l 310 Industrial Blvd, Stet 101
Southampton, PA 18966
CPN (tJPIJ# 3$ 21-fl289-0249
MIN 140200IOOi03236216
ASSIGNMENT OF MORTGAGE
3'
m
P4R ~jALUE RECEIVED, the receipt and sufficiency of which is hereby acknowledged,
the undersiginied:
1v10RTGAGE ELECTRONIC REGISTRATION SYSTEMS. INC. (HERS) AS NOMINEE FOR
EQC3IPIRST CORPORATION. IT S SUCCESSORS ANDfOR ASSIGNS
hereby se31s, transfers, assigns, coveys and sets over to:
EMC MORTGAGE CORPORA'T'ION
its successors, representatives and assigns, all its rights, title and interest in that certain Mortua~e
executed by Harvey Cassell and Ra~nond G. Pozoic dated August 31, 2006 and recorded
September 24, 2006 in book 197 page 3939 in the Office of Recorder of Deeds of Cumberland
County, Pennsylvania.
Property. 2 Raspberry Drive, Mechanicsburg, PA 17055
Mortgage Amount: $166,400.00
1
TOGETHER WITH THE REAL PROPERTY theresn described and the indebtedness thereby
secured, having this date sold to the therein named assignee, the Note or Notes secured by said
Mortgage.
TO EXERCISE the said rights, powers anti privileges set forth therein in as fu11 as a rxranner as the
undersigned is authorized to exercise the same.
LN WI2 NESS WHEREOF, the undersigned has caused this instrument to be signed in its behalf by
its duly authorized officers and caused its Corporate seal to be affixed this ~7 day
of ~ ~r , 2008.
MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INC. (HERS}, AS NOMINEE FOR
EQUIFIRST CC~tPO~ATION, ITS SUCCESSORS
AND/OR ASSIGyy~~S JJJJ ,
STATE OF ~`hiV '_iclue d At o#t: ~ t{ ~
Vice esident
cotJNTY of ~ 4~~~
BEFORE ME, the undersigned authority, on this day personally appeared '"~~~~~d~ ~4ffo~t_
lrnown to me to be ~e person and officer whose name is subscribed to the foregoing instrument and
acknowledged to me that the same was the act of the said MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS, INC. (HERS), AS NOMINEE FOR EQUIFIRST
CORPORATION, IT S SUCCESSORS AND/OR ASSIGNS, a Corporation and that he executed
the same as the act of such corporation for the purposes acrd consideration there in expressed, andlin
the capacity tliexein stated
G N UNDER MY HAND Al~t-D SEAL OF OFFICE, this tlae ~ day of
^^-n , 2008.
My Commission Expires: lr ~~(~ ~ ' -'~
;.
~,
Record and Return to:
I hereby certify that the address of the assignee '
800 State Highway 121 Bypass
Lewi e, TX 7 0'67-4180 'Q°"~~~=-
'• 4- 4i2~,thew Rffan Banaszewak!
'~%^Y ,, ~, NQTARYPUBrJC-~uIINNESOTA
MY COAAAA19SiUt~f
EXPIRES.tH1~1.31,2011
..
iJruted General Title insurance Conugany ;
i
Commitment Number: AMHQ6-W583 '
SgtirptiLE C
PROPERTY DESCRtPTIOid 4
i
The land referred to in this COmcrNtmenf is descried as #oltows:
A[l that certain parcel of land and irr~rrovements it~erein situate in the Tovunship of Sifver S
Cum#lertand arld Common t~~, County of
weattft of Perntsyfvanra, and designated as Parse! tUo. 3g.2e-028gp2pp ar,d more
fatty described in a Deed dated .lime 9, '1889 and recorded June 13. li~9 in Cumberland County iii peed Book
Z.S3, Page 801, granted and conveysd unto S.f~.Subrahcnarrya Prasad and Champa S. Prasad, husband and
wife and ~Casaragod.fanarc~araa and t.Jsha danardhana, husband acrd wife_
1
ALTA Commitment
sdedate r
{
~8i06-D0583.PrD/AMHOCr6pg)
ROBERT P. ZIEGLER
RECORDER OF DLEDS
CUMBERLAATD COUI~TTX
1 COURTHOUSE SQUARE
CA.RLXSLE, PA 17013
717-24~-G370
lustrument Number - 200801139
Reco~ed On 1/11/Z008 At 9:51:18 A1M * Total Pages - 4
x Instrument Type - ASSXGNMENT OF (MORTGAGE
Invoice Number -12330 IIser ID - KVY
* Mortgagor -MORTGAGE ELECTRONIC REGISTRATXON SYSTEMS, ING
* ?Mortgagee -EMC MORTGAGE CORD
* Customer - GREGORY JAVARDIAN
"FEES
STATE WRIT TA$
sTATE acs/ACCESS ~a
JvsTIC~.
RECORDI2IG FEES -
RECORDSFt OF DEEDS
COUN'PY ARCHIVES FEE
ROD ARCHIVES FEE
TOTAF, PAID
$0.50
$10.00
$11.50
$2.00
$3.00
$27.00
Certification Page
DO NUT DETACH
This page is no~v part
of this Iegal document.
I Certify this to be recorded
in Carnberlana County PA
~ ~~
RECORDER O D D5
*sao
'~ - Informatiau denoted by an asterisk may change during
the veri6ce8oa process aad may not be reflected on this page i
~iuum~iamn~
~~a~
C
02E81
Return 'Fo:
JPMorgan Chase Bank N.A.
780 Kansas Lane, 2nd Flooz
Monroe, LA 7]203
Preparrd By: Sexton) Lee
IIPT: 38-21-0289- 020E
BORROWER: HARVEY l CASSELL AND RAYMOND G. l' OZO1C
LOAN NO.. ~
ASSIGNMENT OF MORTGAGE
That, EMC Mortgage LLC f/Wa EMC Mortgage Corporation, 278t} Labe Vista Drive, Lewisville, TX
75067, hereinal}er designated as Assignor for valuable consideration in as amount of not less than outstanding
principal amount plus accrued and unpaid interest, the receipt whereof is hereby acArnowlodg~od, does by the
presents hereby grant, bar~in, sell, assign, transfer and set over to: a.s _ Ban•A(_, ~~ ~~4
Ptss~u+~-~ ten, nog- ~ ~ ids ird-iy irlt~,t c~p~~.i ~ ~ b~- soli.t~.~j ~s ~.,e.~rtt
?'i ~-(~.','Yln s~ -A~r LY S Tt -HL, T~'- +~5~- ~
heroirra$er designated as Assignee, all of it rights, title and interest, as holder tfteneof, in and to tfie following
described lien in the form of a mortgage or dead of trust, the property therein described and ffie indebtedness
thereby secured:
MORTGAGE
Executed by: I3ARVEY J CASSELL AND RAYMOND G. P OZOIC
Payable to: EQLTIFIR.ST CORPORATION
Note dated: 8f31/Z006 Original Principal Amt: $166400
Recorded on: 9292006 BK: 1967 PG: 3939
Count} of: CUMBERLAND State of: PA
Property Add: 2 RASPBERRY DRIVE
SEE ATTACHED LEGAL DESCR?PTION
Together with the note or obligation descn~bed in said mortgage, endorsed to the Assignee this date and all
money due to and become due thereon, with interest.. The Assignee is not acting as nominee ofthe mortgagor
and that the mortgage continues to secure a bonafide obligation_ This Assignment is not subject to the
requirements of Section 275 of the Rea! Property Law because it is an Assignment within the Secondary
Mortgage Market
~~~~~~ 7
373$72] ~~,,: PRiv
Name: Cp.SSF1.L }jpgVEY
Pool: ~05o2S1-WARE
c„~~: ptvtCO
PAGE THitEE
BORROWER: FIARVEY I CASSFJ..t. AND RAY-vfOND G. P OZOIC
LOAN NQ: ~
LEGAL DESCRIPTION
ALL that cerWis tact of Istd h Sliver SP~91'ownship, ~~~ COY. ~. bounded and I
dr.~bed according to file Srtbdluision Plan !ar Hotty t:shlrs pn~tared by 1Nl~cer Aasodatoe, dad JaetuAly 24,
i 986 and t!>ersalfer rerfied and rtxot+ded Tn Cunrbarlartd t,,owtty Alan 8aak s3 at Page t37, as lotiawa b Halt
BEGINNING at a Aar on the dedicated righE of vvay Sne of Raspberry Drive at fate comer of tAt Na 15 oftiw
above referred b PlarK thence along Ste said Ftaspbany Drive, ors a SAS W rvirt9 #o ffie IaR and havlsg a talus
of 175 fare; an an: dtstarrce ad 39A8 feet b art Iron yilY thence along ssAre Sorrrr 35 degrees 4t3 mkwdes 00
seconds West 145.11 feet to aA Hors pin; thence alortQ the telpl rigid Of way tote of Flogeslewp Read, Pa. RotRe
114, t4orMr 54 degrees 43 udroriBS 00 seecxtds West 7S fast tti an toA pla; thence along tend rws! or foraredtr of
Kreiger Nar9t 35 degrees 4t3 rrtmeies 00 seconds East 2015+{ feet io an Iron pin; thence along 1~ No.16 of the
above referred b Plait of Dols 5edh 41 degrees 27 mirnttes 13 seconds C-nst 8136 feet b an Iron pIA, ttte Pont
and Ptace of eeghuslsg.
BEII+IG I_ot No_ 1S at the above referred iD PJarr of tots and corrtnlnirtg 14,584.1 square 1~ more of lase.
t3DNG tl-e same prarrJses vxFtidt Robert E DieEti and Nancy C. Diehl by deed dated June 9,1989 and receded
.tune 13,19891n Qrmltedttrrd County in Deed Cloak Natrona 33 at Page 80i, granted and cortvelned unto S_ R_
SubraAmartya Arasad and Chempa S. Prasad. Kasaragod Jartardhsna and tJshe JautaMhar-a.
IaIOW W as Tax Parcel t! 3&21-0289-02t]P
PAGE TWO
130RROVV ERR HARVEY J CASSELL AND RAYMOND G. P OZ:OIC
LOAN NO.: ~
TO HAYS AND TO HOLD the same onto Assignee and ta the successors, legal representatives and assigns to
the Assignee forever, and Assignor hereby constitute and appoints said Assignee its attorney irrevocable to
collect and receive said debt, and to foreclose, enforce, and satisfy said lien the same as it might or could have
done were these presents not executed, but at the cost and expense of the Assignee, subject however to the right
and equity of redemption, if any there be, of the makers) of the mortgage or dced of trust herein above
described
Date: 5113/2011
E 1Nor'tgage a EMC Mortgage Corporation
Serino J Lee, ASS CRETARY
STATE OF LOIIISIANA
COUNTY OF OUACHITA
On this day, 5/1912011, before me personally came Serino J Lee to me known, who, being duly sworn, did
depose and say that he/she resides at 780 KANSAS LANE, 2ND FLOOR, MONROE, LA 71203 that hd;lshe
is the ASSISTANT SECRETARY of E1VIC Mortgage LLC f7k/a EMC MoEt~ge Corporation, the
corporation described in and which executed this foregoing instrument: acrd that he/she signed hislher name by
authority of the Board of Directors of said corporation.
N ~- ~
' a Marie Jo6nsan -683X5- otary Public ,~'~~?•' 1lOT,~ ':
Commission expires: Lifetime _ ~ •.'r
t •~
~~ t
' ~5
'•
Certificate of Residence • - ~aA~
I, t6c undersigned, '~•,~ •
~r•: ~.,,, ...
do certify that the assignee's precise residence is
7505 Irvine Center Dr.
zrvine, CA 92618 ( yr
Witness oy haad,this date % ~l'~=11
111 lvame
Assignment of Mortgage to EMC Mortgage Corporation recorded 1/11/2008
instrument # 200801139
ROBERT P..ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE
CARLISLE, PA 17413
717-24fl-6374
Instrument Number - 201125928
Recorded On 9/19/2011 At 1:07:2G PM
* Instrument Type - ASSIGNMENT OF MORTGAGE
Invoice Number - 93479 User ID - KW
* Mortgagor - POZE}IC, RAYMOND G
* Mortgagee - LV5 TT1'LE TRUST I
* Cuistomer -GREGORY 3AVARDL4N
* FEEs
STATE hTRIT TAX $0.50
STATE JCS/ACCESS TO ,523.50
JUSTIC$
RECORDING FEES - $11.50
RSGORDBR OF DEEDS
PARCffiL CERTIFICATION $10.00
FEES
c~Tr AFtcslvES FEE $2.00
Ron ARCaIVES FEE $3.00
TOTAL PAID $50.50
i
* Total Pages - 4
Certification Page
DO NOT DETACH
This page is now part
of this legal document.
I Certify this to be recorded
in Cumberland County PA
xECO1u~Ex o~~ ~~n
' - laformatton dsuoted by ao asterisk may cran6e dnrjug
the verificatian process and may not be rctleeted on ffiis page.
a~~iiiiun
-G•-
ALL that certain tract of land situate in Silver Spring Township, Cumberland County, Pennsylvania, bounded and
described according to the Subdivision Plan for Holly Estates prepared by Walker Associates, dated January 24,
1986 and thereafter revised and recorded in Cumberland County Plan Book 53 at Page 67, as follows to wit:
'BEGINNING of a point on the dedicated right of way line of Raspberry Drive at the corner of Lot No. 15 of the
above referred to Plan; thence along the said Raspberry Drive, on a tine curving to the left and having a radius
of 175 feet, an arc distance of 39.08 feet to an iron pin; thence along same South 35 degrees 45 minutes 00
seconds West 145.11 feet to an iron pin; thence along the legal right of way tine of Hogestown Road, Pa. Route
114, North 54 degrees 45 minutes 00 seconds West 75 feet to an iron pin; thence along land now or formerly of
Kreitzer North 35 d~rees 45 minutes 00 seconds Fast 202.54 feet to an iron pin; thence along lot No. 15 of the
above referred to Plan of Lots South 41 degrees 27 minutes 13 seconds East 81.36 feet to an iron pin, the Point
and Place of Beginning.
BEING Lot No. 16 of the above referred to Plan of Lots and containing 14,584.1 square feet, more of less.
BEING the same premises which Robert E Diehl and Nancy C. Diehl by deed dated June 9, 1989 and recorded
June 13, 1989 in Cumberland County in Deed Book Volume 33 at Page 801, granted and conveyed urrto S. R.
Subrahmanya Prasad and Champa S_ Prasad, Kasaragod Janardhana and Usha Janardhana.
KNOWN as Tax Parce(# 38-21-0289-020P
r
ACT 91 NOTICE.
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSI:TR.E
September 18, 2007
HARVEY CASSELL, A/K/A RAYMOND G. PROZOIG, A/K/A
HARVEY J. CASSELL RAYMOND PROZOIC
2 RASPBERRY DRIVE 2 RASPBERRY DRIVE
MECHANICSBURG, PA 17055 MECHANICSBURG, PA 17055
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE fS
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 ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mort~aee on your home is in default and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached pales.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPZmay be able to help to save
your home. This Notice explains bow the grogram works.
To see if HEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the
Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving yow Count are
listed at the end of this Notice. if you have any questions, you ma~ca[I the Pennsylvania HousingFinance
Agency Colt free at 1-840- 342-2397. (Persons with impaired hearing can call ~7I7) 781.)-1869,2,
This notice contains important Legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer..
LA NOTIFICION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. IS NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFiCACION O$TENGA UNA TRADUCCION fNMEDIATAMENTE LLAMANDO ESTA
AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY} SIN CARGOS AL NUMERO
MENCIONADA ARRiBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA
LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDA SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
HOMEOWNER'S NAME(S): HARVEY CASSELL, A/IUA HARVEY ,I. CASSELL
AND RAYMOND G. PROZOIC, AlK/A RAYMOND
PROZOIC
PROPERTY ADDRESS: 2 RASPBERRY DRIVE, MECHANICSBURG, PA
+~ncc
LOAN ACCT. NO.: l
ORIGINAL LENDER MERS, AS NOMINEE FOR EQUIFIRST
CORPORATION
CURRENT LENDERlSERVICER: EMC MORTGAGE CORPORATION
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND' HEkP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY
MORTGAGE ASSISTANCE.
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• 1F YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled io a temporary stay of
foreclosure on you mortgage for thirty (3b) days from the date of this Notice. During that time you must
arrange and attend aface-to-face meeting with one of the consumer credit counseling agencies Listed at the
end of this Notice. THIS MEETING MUST OCCUR WI7'HM THE NEXT (30) DAYS. IF YOU DO
NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR
MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR
MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -If you meet with one of the consumer credit
counselnne agencies listed at the end of this notice the lender may NOT take action against you for thirty
(302 days after the date of this meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the nronerty is located are set forth at the end
of this Notice. it is only necessary to schedule one face-to-face meeting. Advise your lender iinmediafeiv
of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific information about the nature of your default). If you
have tried and are unable to resolve this problem with the (ender, you have the right to apply for fmancial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies Listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed ar postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO
NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You wili,be notified directly by the Pennsylvania Housing Agency of its decision on you
application.
NOTE; 1F YOU ARE CURRENTLY PROTECTED BY THE FILING
OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR
INFORMATION PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT
TO COLLECT THE DEBT
__ (If you Dave filed bankruptcy yon can still apply far Emergency Mortgage Assistance)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)
NATURE OF THE DEFAULT- The MORTGAGE debt held by the above Lender on your property located
at: 2 RASPBERRY DRIVE, MECHANICSBURG, PA 17055 IS SERIOUSLY IN DEFAULT because:
A_ YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: 1/i/2007 through 9/1/2007at $ 1,215.22 per month.
Monthly payments plus Late charges accrued: $ 11,180.02
(Suspense) ($0.00)
TOTAL AMOUNT TO CURE DEFAULT $ 1 I ,180.02
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTIONS (Do not use if not applicablel:
N/A
HOW TO CURE THE DEFAULT- You may cure the default within THIRTY (30) DAYS of the date of
this Notice BY PAYING THE TOTAL AMOUNT FAST DUE TO THE LENDER, WHICH IS $11,180.02
PLUS~ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING
THE THIRTY (30) DAY PERIOD. Pavmern must be made either by cashier's check, certified check or
money order made payable and sent to: EMC MORTGAGE CORPORATION 80f1 Hig~iway 121 Bypass
Lewisville TX 75067-4180.1ELEPHONE NO IS 1-888-577-401 I
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this letter. (Do not use if not applicable) N/A.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of
the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means
that the entire outstanding balance of this debt will be considered due immediately and you may lose the
chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to
foreclosure upon your mortgage Qroaertv.
IF THE MORTGAGE IS FORECLOSED UPON- The mortgage property will be sold by the Sheriff to pay
off the mortgage debt. Cf the tender refers your case to its attorney, but you cure the delinquency before the
lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees
that were aetuatfy incurred, up to $50.00. However, if legal proceedings are started against you, you will
have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.0(1. Any
attorney's fees will be added to the amount to the lender, which may also include other reasonable costs. If
you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees
OTHER LENDER REMEDIES- The lender may also sue you personally for the unpaid principal balance
and ap other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not cured the default
within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to
cure the default and prevent the sate at any time up to one hour before the Sheriff's Sale You may do so by
paying the total amount then past due plus any late or other charges then due reasonable attorney's fees
and costs connected with the foreclosure sate and any -other costs connected with the Sheriff s Sale as
specified in writingbv the tender and by performing any other requirements under the mo a e Curing
your default in the manner set forth in this notice will restore your mortgage to the same position as if you
had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff's
Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of
this Notice. A notice of the actual date of the Sheriffs Sate will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER-
EMC MORTGAGE CORPORATION
800 State Highway
l2l Bypass, Lewisville, TX 75067-41$0
CONTACT: LOSS MITIGATION
TEL NO. 1-(888) 577-4011
EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs
Sale, a lawsuit to remove you and your furnishings and other bebngings could be started by the lender at
any #ime_
ASSUMPTION OF MORTGAGE- You ____ may or XX may not (check one} sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charge and attorney's fees and cost are paid prior to or at the sale that the other requirements of
the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBTOR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED.
Very truly yours,
~ ~~~
ATTORNEY FOR LENDER
IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS
OFFICE, BE ADVISED THAT:
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 1S U.S.C §
1692 et seq. (1977}, DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE
DEBTOR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING
WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR
PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN
VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE
VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30} DAYS OF RECEIPT
OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S)
THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT
FROM ABOVE.
THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY
(30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING
YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT
YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION
WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT
TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A
JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU
HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF
THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR
WITHIN THE THIRTY (30} DAY PERIOD THAT BEGINS UPON YOUR RECEIPT
OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS
{THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE
MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN
ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS
IN THIS SUIT.
CUMBERLAND COUNTY
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
71.7.334.151$
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry S#reet
Harrisburg, PA 17904
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PNFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
THE COURTS
FORM 1
U.S. Bank National Association, not in its
individual capacity, but solely as Legal Title
Trustee for LVS Title Trust I
c/o BSI Financial Services, Inc.
7505 Irvine Center Drive
Irvine, CA 92618,
Plaintiff,
V.S.
Harvey Cassell a/k/a Harvey J. Cassell,
Original Mortgagor
2 Raspberry Drive
Mechanicsburg, PA 17055,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
~a ~ 13~ ~ CIVIL ;..~
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and
Raymond G. Pozoic a/k/a Raymond Pozoic
a/k/a Raymond G. Prozoic a/k/a Raymond
Prozoic, Original Mortgagor and Real Owner
2 Raspberry Drive
Mechanicsburg, PA 17055,
Defendants
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE
DIVERSION PROGRAM
You have been served with a foreclosure complaint that could cause you to lose your
home.
If you own and live in the residential property which is the subject of this foreclosure
action, you may be able to participate in acourt-supervised conciliation conference in an effort to
resolve this matter with your lender.
If you do not have a lawyer, you must take the following steps to be eligible for a
conciliation conference. First, within twenty (20) days of your receipt of this notice, you must
contact MidPenn Legal Services at (717) 243-9400 extension 2510 or (800) 822-5288 extension
2510 and request appointment of a legal representative at no charge to you. once you have been
appointed a legal representative, you must promptly meet with that legal representative within
twenty (20) days of the appointment date. During that meeting, you must provide the legal
representative within twenty (20) days of the appointment date. During that meeting, you must
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
provide the legal representative with all requested financial information so that a loan resolution
proposal can be prepared on your behalf. If you and your legal representative complete a
financial worksheet in the format attached hereto, the legal representative will prepare and file a
Request for Conciliation Conference with the Court, which must be filed with the Court within
sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a
conciliation conference is scheduled, you will have an opportunity to meet with a representative
of your lender in an attempt to work out reasonable arrangements with your lender before the
mortgage foreclosure suit proceeds forward.
If you are represented by a lawyer, you and your lawyer must take the following
steps to be eligible for a conciliation conference. It is not necessary for you to contact
MidPenn Legal Service for the appointment of a legal representative. However, you must
provide your lawyer with all requested financial information so that a loan resolution proposal
can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the
format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference
with the Court, which must be filed with the Court within sixty (60) days of the service upon you
of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will
have an opportunity to meet with a representative of your lender in an attempt to work out
reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward.
IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND
TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE.
Respectfully
- ~ I ~-4 I ~ z
Date
Milstead & Assoc
220 Lake Drive )_
Cherry Hill, NJ 0
856-482-1400
856-482-9190 (f)
tted:
Iuire
s, LLC
Suite 301
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
THE COURTS 1665
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Financial Worksheet
Date
Cumberland County Court of Common Pleas Docket #
BORROWER REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your circumstances
to determine possible options while working with your
Please provide the following information to the best of your knowledge:
Borrower name(s):
Property Address:
City:
Is the property for sale?
Realtor Name:
Borrower Occupied?
Mailing Address (if different):
city:
Phone Numbers:
Email:
Yes ^ No ^ Listing date:
Yes ^ No ^
Home: Office:__
Cell: Other:
State
Zip:
# of people in household: How long?
Mailing Address:
City:
Phone Numbers
Email:
Home:
Cell:
State: Zip:
Price: $
Realtor Phone:
Office:
Other:
State: _Zip:
# of people in household: How long?
First Mortgage Lender:
Type of Loan:
Loan Number:
Second Mortgage Lender:
Type of Loan:
Loan Number:
Date You Closed Your Loan:
Total Mortgage Payments Amount: $
Date of Last Payment:
Included Taxes & Insurance:
Primary Reason for Default:
Is the loan in Bankruptcy? Yes ^ No ^
76.21(27
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
1666
THE COURTS
If yes, provide names, location of court, case number & attorney:
Assets Amount Owed: 'Value:
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
_Automobile # I :Model:
Amount Owed: Value:
Automobile #2: Model:
Amount Owed: Value:
Other transportation (automobiles boats motorc,~les~ Model: _
Year: Amount Owed: Value
Year:
Year:
Monthly Income
Name of Employees:
1.
2.
3.
Additional Income Description (not wages):
l • monthly amount:
2• monthly amount:
Borrower Pay Days:
Co-Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently paying)
EXPENSE AMOUNT EXPENSE AMOUNT
Mort a e Food
2" Mort a e Utilities
Car Pa ment s Condo/Nei h. Fees
Auto Insurance Med. not covered
Auto fueUre airs Other ro a ment
Install. Loan Pa ments Cable TV
Child Su ort/Alim. S endin Mone
Da /Child Care/Twit. Other Ex enses
Amount Available for Monthly Mortgage Payments Based on Income & Expenses:
Have you been working with a Housing Counseling Agency?
Yes ~ No ^
If yes, please provide the following information:
Counseling Agency:
Counselor:
Phone (Office):
76.21127
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
Fax:
2
THE COURTS
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance?
Yes ^ No ^
If yes, please indicate the status of the application:
Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your
delinquency?
Yes ^ No ^
If yes, please indicate the status of those negotiations:
Please provide the following information, if know, regarding your lender or lender's loan servicing company:
Lender's Contact (Name):
Servicing Company (Name):
Contact:
Phone:
Phone:
I/We, ,authorize the above
named to use/refer this information to my lender/servicer for the sole purpose of
evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no
obligation to use the services provided by the above named
Borrower Signature
Co-Borrower Signature
Date
Date
Please forward this document along with the following information to lender and lender's counsel:
`~ Proof of income
'~ Past 2 bank statements
'~ Proof of any expected income for the last 45 days
~ Copy of a current utility bill
'~ Letter explaining reason for delinquency and any
supporting documentation (hardship letter)
'~ Listing agreement (if property is currently on the
market)
1667
Ronny R Anderson SHERIFF'S OFFICE OF CUMBERLAND
COUNTY
Sheriff
Jody S Smith 1
Chief Deputy PP01 I'IONOTARY
Richard W Stewart
Solicitor
71312 DEC 20 PFD 2: 0k
'CUMBERLAND COUNTY
PENNSYLVANIA
U.S. Bank National Association, not in its i
vs. ndividual capacity, but so
Harvey Cassell (et al.)
Case Number
2012-7353
SHERIFF'S RETURN OF SERVICE
12/06/2012 05:30 PM -Deputy Ryan Burgett, being duly sworn according to law
Mortgage Foreclosure by handing a true co served the requested Complaint in
who accepted as "Adult Person in Charge" for Occupant at 2 Raspberry Drive, Silver py to a person representing thems e
elves to be Robert Tobery,
Mechanicsburg, PA 17050.
Spring Township,
RYAN BURGETT, DEPU ?'--
12/06/2012 05:30 PM - Ronny R Anderson, Sheriff, being duly sworn according t I
and inquiry for the within named Defendant to wit: Harvey Cassell, but was unable t o locate the Defendant
in his bailiwick. The Sheriff therefore returns the within requested Com states he made diligent search
"Not Found" at 2 Raspberry Drive, Silver Spring Township
resident, Robert Tober plaint in Mortgage Foreclosure as
y defendant does not reside at this address and has never received mail here
12/07/2012 09:15 AM -Deputy Stephen Bender, being duly sworn accordin to l
in Mortgage Foreclosure by "personally" handin g aw, served the requested Complaint
copy to ri person representing themselves to be
the Defendant, to wit: Raymond Pozoic at Cumberland County Prison, 1101 Claremont 17013.
Road, Carlisle, PA
STEPHE BENDER, DEPUTY ?-'
SHERIFF COST: $60.00
December 10, 2012
SO ANSWERS,
4RONR ANDERSON, SHERIFF