The URL can be used to link to this page

Home My WebLink About13-1615 MILSTEAD & ASSOCIATES, LLC 2013 MAR 26 BY: Patrick J. Wesner, Esquire P 2' ID No. 203145 ��trLA 220 Lake Drive East, Suite 301tP4 Cherry Hill, NJ 08002 (856) 482 -1400 Attorney for Plaintiff File: 9.18363 Nationstar Mortgage LLC Vk/a COURT OF COMMON PLEAS Centex Home Equity Company, LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville, TX 75067, /✓ v�/ Plaintiff, No.: Vs. CIVIL ACTION MORTGAGE Natalie A. Brosius FORECLOSURE 801 Old Silver Springs Road Mechanicsburg, PA 17055, Defendant. 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 fall 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 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482 -1400 Attorney for Plaintiff Nationstar Mortgage LLC f/k/a COURT OF COMMON PLEAS Centex Home Equity Company, LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville, TX 75067, Plaintiff, No.: Vs. CIVIL ACTION MORTGAGE ' FORECLOSURE Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg, PA 17055, I Defendant. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendant, Natalie A. Brosius, (the "Defendant "), is an adult individual and is the real owner of the premises hereinafter described by virtue of a Deed dated June 14, 2004, recorded June 21, 2004 in Deed Book 263, Page 3219. The Deed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Natalie A. Brosius, upon information and belief, resides at 801 Old Silver Springs Road, Mechanicsburg, PA 17055. 4. On June 17, 2004, in consideration of a loan in the principal amount of $71,825.00, the Defendant executed and delivered to Centex Home Equiy Company, LLC a note (the "Note ") with interest thereon at 8.300 percent per annum, payable as to the principal and interest in equal monthly installments of $542.13 commencing August 1, 2004. The Note is attached hereto as Exhibit `B" and made a part hereof. 5. A Loan Modification Agreement was made on or about April 30, 2009 between the Defendant (the "Borrower ") and Nationstar Mortgage LLC f/k/a Centex Home Equity Company (the "Lender ") to increase the unpaid principal balance due on the Note to $86,565.84, consisting of the amount(s) loaned to Borrower by the Lender which may include, but not limited to, any past due principal payments, interest, fees and /or costs capitalized. Changing the interest rate to 5.5000 from May 1, 2009 until May 1, 2010. The Loan Modification Agreement is attached hereto as Exhibit "C" and made a part hereof. 6. A second Loan Modification Agreement was made on or about April 1, 2011 between the Defendant (the "Borrower ") and Nationstar Mortgage LLC (the "Lender ") to increase the unpaid principal balance due on the Note to $99,048.26, consisting of the amount(s) loaned to Borrower by the Lender which may include, but not limited to, any past due principal payments, interest, fees and/or costs capitalized. The current interest rate is 2.00 percent. The Loan Modification Agreement is attached hereto as Exhibit "D" and made a part hereof. 7. To secure the obligations under the Note, the Defendant executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage ") dated June 17, 2004, recorded on June 21, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1870, Page 1729. The Mortgage is attached hereto as Exhibit "E" and made a part hereof. 8. The Mortgage secures the following real property (the "Mortgaged Premises "): 801 Old Silver Spring Road, Mechanicsburg, PA 17050. A legal description of the Mortgaged Premises is attached hereto as Exhibit "F" and made a part hereof. 9. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due October 1, 2011, 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. 10. The following amounts are due on the Mortgage and Note: Principal Balance ................. .....................$97,850.42 Accrued but Unpaid Interest from 9/1/11 to 3/13/13 .................... ......................$2,999.78 Escrow Advance .................... ......................$1,982.11 Appraisal.............................. ............................... $3.00 Inspections ............................... .........................$54.90 Suspense Credit ............... ............................... - $58.88 Insufficient Funds Charges ...... .........................$50.00 TOTAL as of 3/13/2013 ...... ....................$102,881.33 Plus, the following amounts accrued after March 13, 2013: Interest at the Rate of 5.5000 percent per annum ($5.36 per diem); Late Charges per month if applicable. 11. 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 Defendant at 801 Old Silver Spring Road, Mechanicsburg, PA 17050 on November 26, 2012, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notice is attached hereto as Exhibit "G" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $102,881.33 plus the following amounts accruing after March 26, 2013, to the date of judgment: (a) interest of $5.36 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 & ASSOCIATE , LLC Date: 2 quire Attorney for Pla' ti VERIFICATION Jordan Ford hereby states that he /she is Assistant Secre tary of Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 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 falsification to authorities. - 1 ��" '�' kw �I � V I I b, Na e: Jordan Ford 1 DATE: Title: �`l Assistant Secretary File #: 9.18363 Name: Natalie A. Brosius ry _ 1'T P. ZIEGLER { DEED WARRANTY; It i :'11,; 21 A19 9 10 IND. OR CORP. 6711 PARCEL NO.: 18 -22 -0519 - 0018- U.G801 This Deed - made the.__IYX4 day la"- 2004 Between Christopher D. Crcn►o and Susan M. Cremo, husband and wife, herein designated as the Grantors, And Natalie A. Brosius herein designated as the Grantees, Witnesseth, that the Grantors, for and in consideration of Eighty -Four Thousand Rive Hundred and 00/100 Dollars ($84,500) lawful money of the United States of America, to the Grantors in hand well and truly paid by the Grantees, at or before the sealing and delivery of these presents, the receipt whereof is hereby acknowledged and the Grantors being therewith fully satisfied, do by these presents grant, bargain, sell and convey unto the Grantees forever, ALL THAT CERTAIN unit in the property known, named and identified in the Declaration referenced to below as "Walnut VJlas Condominium " located in the Borough of Mechanicsburg, County of Cumberland, Commonwealth of Pennsylvania, which has heretofore been submitted ' Pursuant to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa. Cons. Stat. Ann. §§3101 et. M. (Purdon Supp. 1987), by the recording in the Qfice of the Recorder of Deeds of Cumberland County, Pennsylvania, of a Declaration of Condominium dated July 30, 1985, and recorded on August 14, 1985, in Miscellaneous Book Vol. 308, Page 147, which Declaration has been amended by a First Amendment to Declaration of Condominium dated December 31, 1985, and recorded on December 31, 1985, in the aforesaid Dice at Miscellaneous Book 313, Page 133, and further amended by a Second Amendment to Declaration of Condominium dated March 23, 1987, and recorded on March 27, 1987, in the aforesaid Offuze at Miscellaneous Book 331, Page 933, and further amended by a Third Amendment to Declaration of Condominium dated June 12, 1987, and recorded on June 12, 1987, in the aforesaid Office at Miscellaneous Book 335, Page 283, and fsWher amended by a Fourth Amendment to Declaration of Condominium dated November 10, 1987, and recorded on November 30, 1987, in the aforesaid Office at Miscellaneous Book 343, Page 368, and further amended by a Fifth Amendment to Declaration of Condominium dated April 14, 1988, and 8001( 20 PACF3219 recorded on April 18, 1988, in the aforesaid ice at Miscellaneous Book 348, Page 868, being - and designated in such Declaration, as so amended, as Unit No. 801 as more fully described in such Declaration, as so amended together with a proportionate undivided interest in the Common Elements of such Condominium as set forth in such Declaration as so amended and as further amended by any further amendments thereto herea recorded in the aforesaid office. UNDER AND SUBJECT to any and all coven ants- conditions rrstrictions,_ rigbts- of -svgy, easements and agreements of record, including (but not limited to) those contained in the instruments recorded in the aforesaid Office in Miscellaneous Book Vol. 304, Page 227, and Miscellaneous Book Vol. 304, Page 566. Being the same premises which Shawn R. Liebrum, single woman, by deed dated July 22, 1994 and recorded August 5, 1994 in the Cumberland County Office of the Recorder of Deeds in Deed Book 109, page 885, granted and conveyed unto Christopher D. Cremo, single man. The said Christopher D. Cremo thereafter married. Susan M. Cremo, spouse of Christopher D. Cremo joins in this conveyance to relinquish any right, title or interest in the herein described premises by virtue of marriage. Together with all and singular the buildings, improvements, ways, woods, waters, watercourses, rights, liberties, hereditaments and appurtenances to the same belonging or in anywise appertaining; and the reversion and reversions, remainder and remainders, rents, issuer and profits thereof, and of every part and parcel thereof, And Also all the estate, right, title, interest, use, possession, property, claim and demand whatsoever of the Grantors both in law and in equity, or, in and to the premises herein described and every part and parcel thereof w4th the appurtenances. To Have And To Hold all and singular the premises herein described together with the hereditaments and appurtenances unto the Grantees and the Grantees' proper use and benefit forever. And the Grantors covenant that, except as may be herein set forth, they do and will Specialty Warrant and Defend the lands and premises, hereditaments and appurtenances hereby conveyed, against the Grantors and all other persons lawfully claiming the same or to claim the same. In all references herein to any parties, persons, entities or corporations, the use of any particular gender or the plural or singular number is intended to include the appropriate gender or number as the text of the within instrument may require. Wherever in this instrument any party shall be designated or referred to by name or general reference, such designation is intended to and shall have the same effect as f the wvri& "heirs, executors, administrators, personal or legal representatives, successors and assigns "has been inserted after each and every such designation. 263 PuE3220 In Witness ftereof, the Grantors have hereunto set their hands and seals, or if a - - corporation, it has caused these presents to be signed by its proper corporate officers and its corporate seal to be affixed hereto, the day and year fast above written. Signed, Sealed and Delivered in the presence of or Attested by _ Christopher D. Cremo •Svsa� -Ark- Etna Commonwealth of Pennsylvania, County of C Be It Remembered that on /y, 0 before me the subscriber personally appeared Christopher D. Cremo and Susan A Cremo, husband and wife, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within deed and acknowledged that they executed the same for the purposes therein contained. Witness my hand and seal the day and year afor aid. NOTARIAL SEAL vKXE R wELKER, Nagy Poo Camp Nil f3Oro., Cunt+ xw coon�y My Commission EXOMS March 4.2007 �..... ii n�+�'ti�P�t 1r24 n ; an se ae Ja r1 A t 2 Zi : iCJ O a f? Q" > r: S c rd is FEW 263 PIJ ,m �OSQO4SOO�O4a� d b — is Christopher D. Cremo Susan A Cremo TO Natalie A. Brosius Dated 'Le % ql AjDUI/ The Undersigned certifies that the precise residence and complete post office address of the Grantee is: 801 Old Silver Springs Road. Mechanicsburg, PA 17055 Ct k t t/ 263 Pau-322 ADJUSTABLE RATE. NOTE (LIBOR 6 Month Index (As Published In The Wall Street fournal) - Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST' t RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. / JUNE 17, 2004 MILFORD, CT 06460 [date] [City] [State] 801 OLD SILVER SPRINGS ROAD, MECRANICSBORG, PENNSYLVANIA 17050 / [Property Address] 1. BORROWER'S PROMISE TO FAY In return for a loan that I have received, l promise to pay U.S. S e 71, 825.00 (this amount is called "principal'), plus interest, to the order of the Lender. The Lender is CENTEX SOME EQUITY COMPANY, LLC I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 11 8.300 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments 1 will pay principal and interest by making payments every month. I will make my monthly payments on the 1st day of each mouth beginning on /AUGUST 1 2004 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on 96LY 1, 2034 , I still owe amounts under this Note, 1 will pay those amounts in full on that date, w ich is called the "Maturity Date." I will make my monthly payments at P.O. BOX 199400 DALLAS, TX 75219 -9077 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ If 542.13 This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. I 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the tat day of `UL 2007 and on that day every 6TH month thereafter. Each date on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE NOTE -LIBOR 6 MONTH INDEX Modifled- X38 (%W) / F•4MA 3520 (6194) CB838•I 03I 8 .01 Pago 1 of4 (Hill I� (B) The Index Bcgimiing with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for 6 month U.S. dollar- dcnominated deposits in the London market ("LIBOR!'), as published in The Wall Street Jou nal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding EIGHT AND 250/1000 percentage point(s) ( /8.250 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one -eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the -amount of the monthly payment that would -be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 11.300 % or less than 8.300 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE AND 000 /1000 percentage points(s) ( 1,000 %) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 15.300 % or lower than 8.300 %- (E) Effective bate of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment data after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the telephone number of a person who will answer any questions I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "full prepayment" A prepayment of only part of the unpaid principal is known as a "partial prepayment." Except as provided below, I may make a full prepayment or a partial prepaymed without paying any penalty. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no delays in the due dates or changes in the amounts of my monthly payments unless the Note Holder agrees in writing to those delays or changes. I may make a full prepayment at any time. If I choose to make a partial prepayment, the Note Holder may require me to make the prepayment on the same day that one of my monthly payments is due. The Note Holder may also require that the amount of my partial prepayment be equal to the amount of principal that would have been part of my next one or more monthly payments. If the original principal amount of this loan is $50,000 or less, I may maim a full or partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds $50, 000, and if within the first 36 maths after the execution of this Mortgage, I male; full prepaymem or a partial prepayment and the total of such prepayments in any one (1) year exceeds twenty percent (20%) of the original principal amount, I will pay a prepaymert charge in an amount equal to the payment of six (6) months' advance interest on the amount prepaid which is in excess of twenty percent (20%) of the original principal amount. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in eonnd.'tion with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment MULTISTATE ADJUSTABLE RATE NOTE - LIBOR 6 MONTH INDEX - m/PP P Modified- 838_(9406)/ FNMA 1520 (6194) CEUM (061303) Page 2 01`4 Wd h: i 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments IF the Note Holder has not received the full amount of any monthly payment by the end of 10 calendar days after the date it is due, I will pay a late charge to the Note Holder, 'rho amount of tl� charge will be 5.00 ° Y payment principal pay g /o of m overdue a cnt of nnci al and interest, 1 will a this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If 1 am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal that has not been paid and all the interest that 1 owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or 'mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder wilt have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if 1 give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The No to Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amonts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means die right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, it Mortgage, Deed of Trust or Security Deed (the "Security Instrument" ), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security InsWment describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: MULTISTATE ADJUSTABLE RATE NOTE -LIBOR 6 MONTH INDEX Modified -839 (4406) J FNMA 3520 (6/94) CES39.3 (03 ]099) Page 3 or 4 Initials: i . l Transfer of the Property or a Beneficial Interest in Borrower. if all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not f a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended I transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument- Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. ! 12. APPLICABLE LAW This Note shall be governed by the laws of the State of PEWSYLVANIA If a law, which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (B) any sums already collected from me which exceed permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment, but in no event will a prepayment charge be assessed if the Note Holder chooses to reduce my principal balance by applying such excess amounts. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. � ` � ` / "*' aj-21. 4 (Seal) (Sea]) NATALIF. A BROSIOS - Borrower - Borrower S (Seal) (Seal) - Boaower - Borrower (Seal) (Seal) - Bwmwa - Boaower S5N: SSN: (Seal) (Seal) - Borrows - Bmmwer S5N: SSN: [Sign Original Only] MUL ADJUSTABLE RATE NOTE -LIBOR 6 MONTH INDEX ! Madifia S (9)1 PNMA 3520 (6194) Pap 4 of 4 I ALLONGE TO NOTE . LOAN NUMBER: , tLONGE TO NOTE DATED: 6/17/2004 LOAN AMOUNT: $71,825.00 PROPERTY ADDRESS: 801 OLD SILVER SPRINGS ROAD, MECHANICSBURG, PA 17050 IN FAVOR OF: Centex Rome Equity Company, L.L.C. AND EXECUTED BY: NATALIE A BROSIUS PAY TO THE ORDER OF WITHOUT RECOURSE Centex Home Equity Company, L.L.C. BY: '-�(/ Terry L. Skiles TITLE: DOCUMENT SIGNER DATE : 6/23/04 LOAN MODIFICATION AGREEMENT --C.P ARM (r—P Fixed 10•A-) il(jorm (!OP r 4fJ) s (Space Above This Line For Recording Datal LOAN MODIFICATION AGREEMENT (Providing for Temporary Interest Only, then Adjustable Interest Rate) This Loan Modification Agreement `Agreement"), made this 30th day of April, 2009 , between Natalie A Brosius - amends and ("Borrower") and Natimtstar Mortgage LLC formerly known as Centex Home Equity Company ( "Lenin"} supplements (1) the Mortgage, Deed of Trus4 or Security Deed (the "Security lnstrvmenn, and Timely Payment Rewards Rider s any, dated June 17, 2004 and recorded in Book or Liber at page(s) of Records of (Name of Records) (County and State, or other Jurisdiction) and (2) the Note, bearing the same date as, and secured by, the Security Insttument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property", located at 801 Old Silver Springs Read Mechanicsburg Pa 17050 (Property Address) the real property described being set forth as follows: THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. In consideration of the mutual promises and agreements exchanged, the parties hereto We as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of June 1, 2009, the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance ") is U.S. S86,565.84 , consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 5.5 ** from May 1, 2009 until May 1, 2010 . Borrower promises to make monthly payments of interest of U.S. S 396.76 , beginning on the 1st day of June, 2009, and continuing thereafter on the same day of each succeeding month mail May 1, 2010 (the "Interest Only Period'). After expiration of the Interest Only Period, the interest raft Borrower will pay may change in accordance with the teams of the Original Nox. After expiration of the Interest Only Period, the amount of Borrower's monthly payments may odnangC in accordance with the terms of the original Note. Borrower will continue to make monthly payments on the some day of each succeeding month until principal and interest are paid in full, except that, if not sooner paid, the final payment of principal and interaa shall be due and payable on the 1st day of July, 2034, which is the Maturity Date. 3. if on the Maturity Date, Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 4. Failure to T'mnely Remit Payments: If at any time during the efLective dates of this Modification Agreement the i Borrower fails to timely make payments as specified haeinabove and such default or failure coudmres for mare than thirty (3 1) days, then this Modification Agreement, at the option of Lender, shall terminate and all terms of the Note as originally executed "I be reinstated in fu4 effective as of the date of this Modification Agreement, and the amounts due and payable under the taros of the Note shall be as originally stated therein, as if this Modification Agreement had never existed. Time is of the essence with regard to all payments specified hereunder. Nothing contained herein shall prevent or preclude Lender from enforcing any of Leader's rights or remedies under the Note, or under any document or instrument evidencing or securing the indebtedness created by or under the Note, or shall be construed as a waiver of any of Lender's rights or remedies thereby created. I I r 10/30/2008 13:19 FAX 17177957594 STAPLES 0004 40005 10/27/08 VON 15:48 FAX NATIONSTAR L ✓ ��} L9AM�LCA '110M66R1�1— �+►AWIY+ev�� f0�01 (p+lry`1i i E �L l/ LOU M: 2MO M0 � t/� � ' 1 l i. Socrowe:>ade�ad.+wd iri�eesikd j �i io � o� �l�uoda the �Bu m��a{to ryp y�eoia1t � �•�a� Mica paytomts hers.rtder. � (b) All xot I c , k impt. ntiom. t� la aed olioas io Me No &W 350010Y faabmoait d" 604 1 d tatneia is MU flare and aBkol, •t•sals u b.rebt gi fth .sd taco ed Ow ay P-t's wf, gar OW this W& Ir No nd � Iitrp4nka4 6 � dlmkddied a teMared by say t Avenues is my WY imPn. dbitisk a Meet ow of Leda"s dda wider or twadlu w da Non a:d t cooly bsutsmate, .dtatbr slob Aotp or aunt albs demmadw at by opinfins of I w. A11% a6 rtyla Itf rsoeam to tehlo4 Laadar is prensdty sodWd acid" AY rom') -say ad- tsar to Usy wayabltpawd for. of 11" on, the Note sad Samrky Iesbmaest su espeudy t.s.evsd ly La icr. / (c) Bmmwn bss no dSM cf set -off or so.otw bhk% at say dsfosss to tho obUrdoos of the Noe or Soennily )eMtrrreaf. j (d) Na&n ial th(t Ap"wem shall he andvaidci & euniirabd jfi M a ekliilcae atelwe iA whale or is pat(o( the Nato and Secotity b otram"t ' (e) AB taatf and sapmee kemrad by Lvwa b aosaeatioa wilt tkis Apseeee4 irehedint r0 (ON, ttb eaatsbaft. told setttWS fW4 11110 by pod by to BamWO' cod addtl be McMvd by tho 8.oadb : uaka stiptdatad adworla by Lade. (fl Borrov W -V= to mtlos hod easaote mob odor doeOMM or papas a may be aeeeawy or n*r" IV d[eelsam sod COettfiftoor eif #We Ap OMW wblrb. if 4WVvad owl gooeMpd by L.redar, sbdl bkW s: d more to do beta, eaet:uwm adwinistiskm a d atal@tt. of dts Bon oWMIr � N NntiooataMon als LLC- Leraor atalfeABtosiss- Bmraair W �_$ Z ;3 B y: cs.a:J io , -Botrowtr 0 I ! t) it OP )SS. • -.� .� � t:'btrrriir �,C..,iti�ef - la.tn c� ) a e �N ei U �� on a � of �8ar .2u pnwoaffy append before roe ;mwesay knows a ma (or pmvad to me ov the bats of S*W* w.y avldeees) a be eM pwsae(.) wbow Bows ) bins ab.eatbad to the vdthk lawear em sad wits dadesd to m the lereb.ielaY JS hhBuNtbdr wombed v.pdty(as), and &A by ldU iadtkak siptdme(s) oa do lmnaigne the pa»es(sf. <r eeslgr.pos ofwh(ciit6npanoats)nagd . execvted(beimshumml. Witness and ' l ( J j N Mysppsi— srylttrc 09 [Span Below Tk4Uss torAeksorakditer.eab) j r j 10/30/2008 1:17PM t 1 t This Document Prepared By: Natlonstar Mortgage LLC 350 Highland Drive Lewisville, TX 75053 I 1-888 -366 -1119 When Recorded Mail To: Nationstar Mortgage LLC 350 Highland Drive Lewisville, Texas 75067 Phone: 888 - 366.1119 Parcel ID: 18 224519.MB- U-G801 [Space Above This Line For Recording Data] Original Recorded date: JUNE 21, 2004 Original Principal Amount: S 71,825.00 Investor Loan No.: 0000000 HOME AFFORDABLE MODIFICATION AGREEMENT (Step Two of Two -Step Documentation Process) Borrower ( "I "): NATALIE BROSIUS i I I Lender or Servicer ( "Lender"): Nationstar Mortgage LLC Date of first lien mortgage, deed of trust, or security deed ("Mortgage ") and Note ( "Note "): JUNE 17, 2004 Loan Number. 245107043 Property Address: 801 OLD SILVER SPRINGS ROAD, MECHANICSBURG, PENNSYLVANIA 17050 Legal Description: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF; Prior Instrument reference: Book or Libor 1870, at page(*) 1729, of the Official Records of CUMBERLAND County, PENNSYLVANIA. ( "Property "): 1 If more eran one Borrower or Mortgagor is executing this document each is +eland to Wt." For purposes of this document words so" the singular (such as "I") shall include the plural (such as 'W) and vice verse where appropriate. MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Mae/Freddie Mac UNWORM INSTRUMENT Form 3157 3109 (nw. HIM CLDSN F3157 Rev. 01 -21 -10 (page 1 of 8) I I I If my representations and covenants in Section 1 continue to be true in all material respects, then this Home Affordable Modification Agreement {•Agreement ") will, as set forth in Section 3, amend and supplement (1) the Mortgage on the Property, and (2) the Note secured by the Mortgage. The Mortgage and Note together, as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined have the meaning given to them in Loan Documents. I understand that after I sign and return two copies of this Agreement to the Lender, the Lender will send me a signed copy of this Agreement. This Agreement will not take effect unless the preconditions set forth In Section 2 have been satisfied. 1. My Representations and Covenants. I certify, represent to Lender, covenant and agree: A. I am experiencing a financial hardship, and as a result, (i) I am in default under the Loan Documents or my default is imminent, and (ii) t do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future; B. One of the Borrowers signing this Agreement lives in the Property as a principal residence and the Property has not been condemned; C. There has been no impermissible change in the ownership of the Property since I signed the Loan Documents. A permissible change would be any transfer that the lender is required by law to allow, such as a transfer to add or remove a family member, spouse or domestic partner of the undersigned in the event of a death, divorce or marriage; D. 1 have provided documentation for all income that I receive (and I understand that I am not required to disclose child support or alimony unless I chose to rely on such Income when requesting to qualify for the Home Affordable Modification Program ( "Program')); E. Under penalty of perjury, all documents and information I have provided to Lender in connection with this Agreement, including the documents and information regarding my eligibility for the Program, are true and correct; F. If Lender requires me to obtain credit counseling in connection with the Program, I will do so; and G. I have made or will make all payments required under a trial period plan. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge ' that A. If prior to the Modification Effective Date as set forth in Section 3 the Lender determines that any of my representations in Section 1 are no longer true and correct or any covenant in Section 1 has not been performed, the Loan Documents will not be modified and this Agreement will terminate. in that event, the Lender will have all of the rights and remedies provided by the Loan Documents; and B, I understand that the Loan Documents will not be modified unless and unfit (i) the Lender accepts this Agreement by signing and returning a copy of it to me, and (ii) the Modification Effective Date (as defined in Section 3) has occurred. I further understand and agree that the Lender will not be obligated or bound to make any modification of the Loan Documents If I fail to meet any one of the requirements under this Agreement MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie MsefteWle Mac UNIFORM INSTRUMENT Form 3157 3r09 #ev.10110 CLOSY F3157 -2 Rev. 01 -21 -11 (page 2 of 8) i= 3. The Modification. If my representations and covenants in Section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on APRIL 1, 2011 (the 'Modification Effective Date') and all unpaid late charges that remain unpaid will be waived. 1 understand that if t have failed to make any payments as a precondition to this modification under a trial period plan, this modification will not take effect. The first modified payment will be due on APRIL 1, 2011. A. The Maturity Date will be: JUNE 1, 2041. i B. The modified principal balance of my Note will include all amounts and arreatages that will be past due as of the Modification Effective Date (including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, 'Unpaid Amounts') less any amounts paid to the Lender but not previously credited to my Loan. The new principal balance of my Mote will be $ 99,048.26 (the 'New Principal Balance'). I understand that by agreeing to add i the Unpaid Amounts to the outstanding principal balance, the added Unpaid Amounts accrue interest based on the Interest rate in effect under this Agreement I also understand that this means Interest will now accrue on the unpaid Interest that is added to the outstanding principal balance, which would not happen without this Agreement C. Interest at the rate of 2.000 % will begin to accrue on the New Principal Balance as of MARCH 1, 2011 and the first new monthly payment on the New Principal Balance will be due on APRIL 1, 2011 My payment schedule for the modified Loan is as follows: Years Interest Interest Monthly Estimated Total Payment Numberof Rate Rate Princilml Monthly Monthly Begins On Monthly Change and Escrow Payment' Payments Date Interest Payment Payment Amount' Amount 1 -s 2.000% 03101/2011 $363.89 $230.971 $594.86 04101/2011 eo may adilust adjust h 6 3.000% 03/01/2016 $407.53 hb y ad 04/01/2016 12 7 4.000%' 03/01/2017 :432.40 04/01/2017 12 6-30 4.750% 03fMI2016 :458.52 M 0410112018 279 'The escrow payments may be adjusted periodically in accordance with applicable law and therefore my total monthly payment may change accordingly. The above terms in this Section 3.C. shall supersede any provisions to the contrary In the Loan Documents, including but not limited to, provisions for an adjustable, step or simple interest rate. MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Mae freddle Use UNIFORM OBTRUMENT Form 3157 310! caw /1qp CLOS# F31673A Row. 01 -21 -11 (page 18 of 8) -- I understand that, if I have a pay option adjustable rate mortgage loan, upon modification, the minimum monthly payment option, the Interest -only or any other payment options will no longer be offered and that the monthly payments described in the above payment schedule for my modified Loan will be the minimum payment that will be due each month for the remaining term of the Loan. My modified Loan will not have a negative amortization feature that would allow me to pay less than the interest due resulting in any unpaid interest being added to the outstanding principal balance. D. 1 will be in default it 1 do not comply with the temu of the Loan Documents, as modified by this Agreement. E. If a default rate of interest is permitted under the Loan Documents, then in the event of default under the Loan Documents, as amended, the interest that will be due will be the rate set forth in Section 3.C. I 4. Additional Agreements. I agree to the following: A. That all persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (1) a borrower or co- borrower is deceased; (11) the borrower and co- borrower are divorced and the property has been transferred to one spouse In the divorce decree, the spouse who no longer has an interest In the property need not sign this Agreement (although the non - signing spouse may continue to be held Gable for the obligation under the Loan Documents); or (ill) the lender has waived this requirement in writing. S. That this Agreement shall supersede the terns of any modification, forbearance, trial period plan or other workout plan that I previously entered Into with Lender. C. To comply, except to the extent that they are modified by this Agreement, with all covenants, agreements, and requirements of Loan Documents including my agreement to make all payments of taxes, insurance premiums, assessments, Escrow Items, impounds, and all other payments, the amount of which may change periodically over the term of my Loan. D. That this Agreement constitutes notice that the Lender's waiver as to payment of Escrow Items, If any, has been revoked, and 1 have been advised of the amount needed to fully fund my escrow account. E. That the Loan Documents as modified by this Agreement are duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed. F. That all terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect; nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the obligations contained in the Loan Documents; and that except as otherwise specifically provided in, and as expressly modified by, this Agreement, the Lender and I will be bound by, and will comply with, all of the terms and conditions of the Loan Documents. MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Ma ffraddis Mac UNIFORM INSTRUMENT Form 3157 3104 lam CLOS# F3157-4 Rev. 01 -21 -11 (peas 4 of 8� i G. That as of the Modification Effective Date, notwithstanding any other provision of the Loan Documents, I agree as follows: If all or any part of the Property or any interest in it is sold or transferred without Lender's prior written consent, Lender may, at its option, require Immediate payment in full of all sums secured by the Mortgage. However, Lender shall not exercise this option if state or federal law, rules or regulations prohibit the exercise of such option as of the date of such sale or transfer. If Lender exerdses this option, Lender shall give me notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice Is delivered or mailed within which I must pay all sums secured by the Mortgage. If I fail i to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by the Mortgage without further notice or demand on me. H. That as of the Modification Effective Date, I understand that the Lender will only .06w the transfer grid assumption of the Loan, Including this Agreement, to a transferee of my property as permitted under the Gam St. Germain Act, 12 U.S.C. Section 1701) -3. A buyer or transferee of the Property will not be permitted, under any other circumstance, to assume the Loan. Except as noted herein, this Agreement may not be assigned to, or assumed by, a buyer or transferee of the Property. I. That, as of the Modification Effective Date, if any provision in the Note or in any addendum or amendment to the Note allowed for the assessment of a penalty for full or partial prepayment of the Note, such provision is null and void. J. That, 1 will cooperate fully with Lender in obtaining any title endorsement(s), or similar title Insurance product(s), and/or subordination agreements) that are necessary or required by the Lenders procedures to ensure that the modified mortgage loan is in first lien position and /or Is fully enforceable upon modification and that if, under any circumstance and not withstanding anything also to the contrary in this Agreement, the Lender does not receive such title endorsement(s), title insurance product(s) and/or subordination agreement($), then the terms of this Agreement will not become effective on the Modification Effective Date and the Agreement will be null and void. K. That I will execute such other documents as may be reasonably necessary to either (i) consummate the terms and conditions of this Agreement; or (fl) correct the terms and conditions of this Plan If an error is detected after execution of this Agreement. I I understand that a corrected Agreement will be provided to me and this Agreement will be void and of no legal effect upon notice of such error. If I elect not to sign any such corrected AgreemenL the terms of the original Loan Documents shall continue In full force and effect, such terms will not be modified by this Agreement, and I will not be eligible for a modification under the Home Affordable Modification Program, L. Mortgage Electronic Registration Systems, Inc. ("MERS ") is a separate corporation organized and existing under the laws of Delaware and has a mailing address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, (888) 679 -MERS. The MERS street address is 3300 S.W. 34th Avenue, Suite 101, Ocala, FL 34474, in cases where the loan has been registered with MERS who has only legal tide to the interests granted by the borrower in the mortgage and who Is acting solely as nominee for Lender and Lenders successors and assigns, MERS has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender Including, but not limited to, releasing and canceling the mortgage loan. MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannle MaelFredege Use UNIFORM INSTRUMENT Form MS7 30g (rev. r111l01 i CLOSt1I F3157 -5M1 Rev. 09.14 -10 (page 5 of 8) I F: M. That Lender will collect and racard pomonall infonnatan, including, but not rinaited to, my name, address, telephone number, social security number, credit sere, income, payment history, government monitoring Information, and information about account balances and activity. In addition, I understand and consent to the disclosure of my personal information and the terms of the trial period plan and this Agreement by Lender to (i) the U.S. Department of the Treasury; (ii) Fannie Mae and Freddie Mac in connection with their responsibilities under the Home Affordability and Stability Plan; (Iii) any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s); (iv) companies that perform support services for the Home Affordable Modification Program and the Second Lien Modification Program; and (v) any HUD certified housing counselor. N. That if any document related to the Loan Documents andlor this Agreement is lost, misplaced, misstated, inaccurately reflects the true and correct terms and conditions of the Loan as modiffed, or is otherwise missing, I will comply with the Lender's request to execute, acknowledge, initial and deliver to the Lender any documentation the Lender deems necessary. If the Note is replaced, the Lender hereby indemnifies me against any loss associated with a demand on the Note. All documents the Lander requests of me under this Section 4.N. shell be referred to as "Documents.' I agree to deliver the Documents within ten (10) days after I receive the Lender's written request for such replacement. O. That the mortgage insurance premiums on my Loan, if applicable, may increase as a result of the capitalization which will result in a higher total monthly payment. Furthermore, the date on which I may request cancellation of mortgage insurance may change as a result of the New Principal Balance. P. If my Loan Documents govern a home equity loan or line of credit, then I agree that as of the Modification Effective Date, I am terminating my right to borrow new funds under my home equity loan or line of credit. This means that I cannot obtain additional advances, and must make payments according to this Agreement. (Lender may have previously torminatod Qr wiWanded my right to Obtain additional advtuhees under my home equity loan or line of credit, and if so, I confirm and acknowledge that no additional advances may be obtained.) i MULTl$TATE HOME AFFORDABLE MMFMTiaN AQREEfMEW - atngte Family - Fannie MaelFredrlia lilac UNIFORM INeTRUMENT Form 315T 3M0 (raw. 10t1a 1 CLDSN F3157.6 Rev. 01 -21 -11 (page 6 of B} i In Witness Whereof, the Lender and I have executed this Agreement. Nationstar Mortgage LLC v+ - Lender uff�j Date N TALIE BR OSIU S / - Borrower Date - Borrower Date - Borrower Date - Borrower Date MULTISTATE HOMA AF o€toAKFE MODWICATit»i AGREEMENT . Singh Family - Fannie MaalFre"s Mac UNWORN INSTRUMENT Form 3157 3M (tor, IGMG) CLDS# F315T -T Rev. 01 -21 -11 (page 7 of 8) f i i (Space Below This Line For Admowledgment] BORROWER ACKNOWLEDGMENT State of PENNSYLVANIA County C V48f ti MA16 /��I� On this, the _ day of 7/i/�w"�•�t 0 , before me f t!t � 2 the undersigned officer, personally appeared NATAUE BROSIUS I known to me (or satisfactorily proven) to be the person whose name Is subscribed to the within instrument, and acknowledged than he executed the same for the purposes therein contained. In witnes e I h reunto and and official seal. CO MMONtNEALTH OF PENNh%VA Notarial JIM ' 4iNRy D. Mete. No" Public slicer spMfp Tvvp., Cumbadsrld CwritY TI e� MyCanardMton Out 7M4 LENDER ACKNOWLEDGMENT member. Pe mwwres Assoclotilal or 10=106 State of ols County D A4 AA2 // - rr� On this, the ayof 4 20�beforems RLkVi JL 6 the undersigned officer, perso a ly appeared _ ;Zac 4 wSl[4 who ack edged 1 Iflo be}e _All -:j- Of CG Gt1M.Y Aas�S *1n a corporation, and that ha as such Ming auttwiz'3d to do s6, executed the foregoing Instrument for the purposes therein contained by signing the name of the corporation by himself as In wi , I he set m y hand and official seal. PATRICK 80Y0 Notary Public, Stele of Tpxas G �;�j'1 MY Commission Expires February 28, 2015 d'AAAWRosidence: I do certify that the precise address of the within named mortgagee is Nationstar Mortgage LLC 350 Highland Drive Lewisville, Texas 75067 B Name: Title; MULTOTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Maef reddle Mac UNIFORM 10113MMENT Form 3157 3109 (rov.10MO CLDS# PAF3157 -8 Rev. 01 -21 -11 (page 8 of 8) i EXHIBIT A BORROWER(S): NATALIE BROSIUS 1 LEGAL DESCRIPTION: ALL THAT CERTAIN UNIT IN THE PROPERTY KNOWN, NAMED AND IDENTIFIED IN THE DECLARATION REFERENCED TO BELOW AS WALNUT VILLAS CONDOMINIUM LOCATED IN THE BOROUGH OF MECHANICSBURG, COUNTY OF CUMBERLAND, COMMONWEALTH OF PENNSYLVANIA, WHICH HAS HERETOFORE BEEN SUBMITTED PURSUANT TO THE PROVISIONS OF THE PENNSYLVANIA UNIFORM CONDOMINIUM ACT, 68 PA. CONS. STAT. ANN. ET SEQ. (PURDON SUPP.1987), BY THE RECORDING IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA, OF A DECLARATION OF CONDOMINIUM DATED JULY 30, 1985 AND RECORDED ON AUGUST 14, 1985, IN MISCELLANEOUS BOOK VOLUME 308, PAGE 147, WHICH DECLARATION HAS BEEN AMENDED BY A FIRST AMENDMENT TO DECLARATION OF CONDOMINIUM, DATED DECEMBER 3t, 1985 AND RECORDED IN DECEMBER 31, 1985 IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 313, PAGE 133, AND FURTHER AMENDED BY A SECOND AMENDMENT TO DECLARATION OF CONDOMINIUM DATED MARCH 23,1987 AND RECORDED ON MARCH 27, 1987 IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 331, PAGE 933, AND FURTHER AMENDED BY A THIRD AMENDMENT TO DECLARATION OF CONDOMINIUM DATED JUNE 12,1987 AND RECORDED ON JUNE 12,1987 IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 335, PAGE 283, AND FURTHER AMENDED BY A FOURTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED NOVEMBER 10, 1987 AND RECORDED ON NOVEMBER 30,1997 IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 343, PAGE 368 AND FURTHER AMENDED BY A FIFTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED APRIL 14,1988, AND RECORDED ON APRIL 18, 1989 IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 348, PAGE 868 BEING AND DESIGNATED IN SUCH DECLARATION, AS SO AMENDED, AS UNIT NO. 801 AS MORE FULLY DESCRIBED IN SUCH DECLARATION, AS SO AMENDED TOGETHER WITH A PROPORTIONATE UNDIVIDED INTEREST IN THE COMMON ELEMENTS OF SUCH CONDOMINIUM AS SET FORTH IN SUCH DECLARATION AS SO AMENDED AND AS FURTHER AMENDED BY ANY FURTHER AMENDMENTS THERETO HEREAFTER RECORDED IN THE AFORESAID OFFICE. ALSO KNOWN AS: Sol OLD SILVER SPRINGS ROAD, MECHANICSBURG, PENNSYLVANIA 17050 1 CLDSN EXHIBITA Rev. 07 -03-07 �•� RT P, ZtEGLER , Prropu-ed By: Return To: IM M1 MYA CENTER Bt= EQUITY CCNVJW, LLC P.O. BOX 199500, FUML DACs Dallas, TX 75219 Parcel Number: 19 - 22- 0519 - 0018 -U -6801 [Spree About This Line Fer Rteordit Datal MORTGAGE DEgNMONS Words used in multiple sections of this document an defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Severity Instrument" means this document; which is dated 6/17/2004 together with all Riders to this document. ' (B) "Dorrewer" is 16ATALIX A DRQSIUS AN UNMARRIED WOMtIi1N Borrower is the mortgagor under this Security Instrument. (G) "Lender" is C11114M R= EQUITY COMPAKr, LLC Leader is a A LIMITED LIABILITY COMPANY PENNSYLVANIA -Single Family - Fannin MaalFraddle Mac UNIFORM INSTRUMENT Fmm 3039 111011 4 PM) pe Pa 1 of 16 mow; VMP MORTOAOE FORMS - (60016`21 -7291 I BK 1 870P 1 729 r orgaaized and existing under the laws of THE STATE Or D$Li1NARE Lender's address is 2828 NORTH RARwooD Lender is We mortgagee Tx 75201 -1516 gagee under this Security lnstrumont. (D) "Note" means the promissory now signed by Borrower and dated 6/17/2004 The NOW states that Borrower owes Lender S4VENT7 OM THOUSAND Xlem HARED TNEt1TY >:M ti 00/100 Dollars (U.S. S 71, 825.00 ) Plus interest. Borrower has promised to pay this debt iu regular Periodic Payments and to pay the debt in full not later than 7/01/2034 (E) "Property" moans the property that is described below under the heading "Transfer of Rights is the Prop, „ (I) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges duo under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Condominium Rider Second Home Rider Balboa Rider Planned Unit Development Rider 1 Family Rider VA Rider q Biweekly Payment Rider Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordiamoes and administrative rules and orders (that have the effect of law) as well as all applicable fmal, non- apposloble judicial opinions. (1) "Community Assodatien Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Properly by a condominium association, homeowners association or similar organization. (J) "Btectmale bands Transfer" means any transfer of funds, other than a transac don originated by check, draft, or similar paper instrument, which is initiated tbrough an electronic terminal, telephonic imtrament, computer, or mrag retie tape so as to order, instruct, or authorize a fmancial institution to debit or credit an account. Such term includes, but is not limited to, point -0f -sale transfers, automated teller machine tr MOctions, transfers initiated by telephon% wire transfers, and automated clearinghouse transfers. (I) "UOVW Items" means those items that an described in Section 3. (L) "MlscaUnneoas Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than kuws ce proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property; (ii) condemnation or other Wang of all or any part of the proporty� (iii) conveyance in lieu of condemnation, or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. M "Mort age Insurance" mesas insurance protecting Leader against the noupsymcat of, or default on, the Loan. (1) "Perledic Payment' means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. at roans) F'n020r,e Form MU trot BK1870PG1730 (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its impkmeating regulation, Regulation X (24 C.F.R. Pats 3500), as they might be amended ftom time to time, or any additional or successor legislation or rgulstion that governs the same subject matter. As used in this Security Instrumtnt, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify w a "fedcWly related mortgage loan" under RESPA. (P) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower`s obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (j) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described pro Muted in the COMY hype of Reoord%g Auis eon] of tom' (Nam of Reaor&q Juri=ditioal: All that tract or parcel of land as shown on Schedule " A " attached hereto which is incorporated heroin and made a part hereof, which currently has the address of 801 OLD SILVER SPRINGS ROAD bIECHANICSBURr (city) , Pennsylvania 17050 14 Code] ( "Property Address" ). TOGBTHER WITH all the improveeteats now or hereafter erected on the property, and aU enaments, aPpurftuca, and fixtures now or hereafter a part of the property. AD replaeemaus and additions shaft also be covered by this Security Instrument. All of the foregoing is referred to in this Security Iattrttment as the N N ttd(PA) MM) P.o.9011e Fonn9039 trot ou 1 870P 1731 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Iutemt, Escrow Items, Prepayteent Charges, and hate Charges. Borrower shall pay when due the principal Ot and interest on, the debt evidenced by the Note and any prOPeyment charges and late charges due under the Note. Borrower shell also pay funds for Escrow Iterrns pursuant to Section 3. Payments due under the Note and this Security Instrument shall be mad* in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's cheek or cashiers check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments arc deemed received by Lender when received at the location designated in the Note or at such outer location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insutftciect to bring the Loan current. Lender may accept any payment or partial payment insufficient m bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted, if each Periodic Payment is applied as of its scheduled due dace, thm Lender need not pay inteaeat on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of tine, Lender Mall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outing Principal balance under the Note immediately prior to foreclosure. No offset err claim which Borrower a t have now ore the future against Lender shall relieve Borrower from making P Yea due under the Note and this Security p aping the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except u otherwise described in this Section 2, all payments accepted and applied by Lender shalt be applied in the following order of priority (a) interest due under the Note; (b) principal duo ands the Noon; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order m which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount m pay any late charge due, the payment may be applied to the delinquent payment mad the late charge. If Mora than one Periodic Payment is outstanding, Lender may apply any payrumt received from Borrower to the repayment Of the Periodic Payments if, and to the extent that, each payment can be paid in t "arr 0 4"A) (OM) Psa.�orea Form 30311 elite SK 1 870P 1732 - _ _ L fWL To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any We charges due. Voluntary prepayments shall be applied first to any Prepayment tWgea and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous proceeds to principal duo under the Note shall not extend or postpone the due date, or change the amourK of the Periodic Payments. 3. FwWs for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due. under the Note, until the Note, is paid in full, a sum (the ".Funds ") to provide for payment of amounts due for (a) taxes and assessments and other items which can attain priority over this Security Instrument as alien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) prenitm}s for any and all insurance required by Leader under Section 5; and (d) Mortgage Insurance praniums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and A"Maictits, if any, be escrowed by Borrower, and such dues, foes and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives 8otrower's obligation to pay the Funds for air or all Escrow Items. Lender may waive Borrowers obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower Shall pay d when and where payable, the, amounts due for any Bsaow Items far which payment of Funds has been waived by lender and, if Lender requaes, shall furnish to Lender receipts evidencing such Payment within such time period as Leader may require. Borrowers obligation to make such payments and to provide receipts shell for all purposes be deemed to be a covenant and agreement contained in this Security Instrament, as the phrase "covenant and agmemeat" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Ilan, Lender may exercise its rights under Section 9 and pay such amount and Borrower shag then be obligated under Section 9 to repay to Lender any such amount Lender may revoko the waiver as be, spy or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Loader may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RBSPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate die amount of Funds due on the basis of currant data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with 11W Funds shall be held in an institution whose Applicable isk en Law. deposits are insured by a federal agency, ioatrumentaiity or entity (including Leader, if Leader is an institution whose deposits are so haured) or in any Fed me eral ho Loan Bank. Lander Shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lander shall not charge Borrower for holding and applying the Funds, annually anatyffig the escrow account, or verifying the Escrow Items, unless Larder pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Leader shill not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shalt be paid on the 4ft.i(PA) (soos} Inkla : Pea. s of is Form 30n t/01 BK 1 870PG 1 733 • I_ Funds- Leader shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defied under RESPA, Lender shall account to Borrower for the excess funds in accordance with RBSPA. If there is a shortage of Fun& held in escrow, as defined under RESPA, Lender stud' notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in to more titan 12 monthly payments. If there is a deficiency of Funds hold in escrow, as defined under RESPA, Leader shall notify Borrower as required by RESPA, and Borrower slab pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, header shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground routs on the Property, if any, and Community Association Dues, Fees, and Assessmorts, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the runner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agtces in writing to the payment of the obligation secured by the lien in a manner acceptable to Leader, but only so long as Borrower is performing such agreement, (b) eantcsts the lion in good faith, by, or defends against enforcement of the lien in, legal proceedings which in Lenders opinion oporm to prevent the enforcement of the lion while those proceedings are pending, but only until such proceedings are ewnctuekd; or (c) secures @om the holder of the Gen as agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines the any part of the Property is subject to alien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lion. Within 10 days of the date on which that notice is given, Borrower shall satisfy the Gen or talcs one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Leader in connection with this Loan. S. Property Insurance. Borrower shat! keep the improvements now exubag or hereafter erected on the Property insured against loss by lire, hazards included within *a tam "extended cavwMA" and may other hazards including, but not limited to, earthquakes and floods, for which Landes requires insurance, This insurance shall be maintained in the amounts (including deductible levels) and for the pa'iods that Louder requires. What Lender requires pursuant to Oka preceding sesnteraees can change during the tam of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to teader's right to disapprove Borrower's choice, which night shall not be exercised uwasonably. Leader may require Borrower to pay, in connection with this Loan, either: (a) a ate -time charge for flood zone determination, cartification and tracking services; or (b) a one -time charge for flood zone determination, and ratification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certiflcarion. Borrower shall also be responsible for the payment of any fees imposed by We Federal Emergency Masagemeni Agency, in connection with the review of any flood zone determination resulting from an objection by Borrower. 4 -BtPA) tome InNew Pp.a"rie Form 3o39 11o1 BK 1 870PG 1734 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Boaower, Borrower's equity in the Properly, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower scimowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any mounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Imttrumeat. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Leader to Borrower requesting payment. All innuance policies required by Leader and renewals of such policies shall be subject to Lancet's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional krsa paym header shall have the right to hold the policies and renewal ca#Sicates. If Lender requires, Borrower shalt promptly give to Lender aG receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Leader. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Leader, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Leader shall have the right to hold such insurance proceeds until Leda has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertalm Irromptiy. Larder may disburse proceeds for the repairs and restoration in a single payment or in it series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. pees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restwadon or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the suns secured by this Security Instrwnent, whether or not than due, with the axcess, if any, paid to Borrower. Such roar mace proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance cattier bra offered to settle a claim, then Leader may negotiate and settle the claim. The 30-day period will begia when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrowers rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) an other of Borrower's rights (other than the right to any refimd of unearned premiums paid by Borrower) under all insurance Policies covering the Property, insofar as such right are applicable to the coverage of the Properly. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security lustrumank whether or not then due. �� Q�'qPAl rom1 F.9.7en IMMM Forne3pgg 1101 BKI87OPG1735 6.Oee Psucy. Borrower shall occupy, establish, and use the Property as Borrowees principal residence within 60 days after the execution of this Security Instrument and shall Continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy. unless Lander Otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating rcumstanc cies exist which are beyond Botrowers control. 7. PreserMU011, Mshntemmee and Protection of the property: Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section S that repair or restoration is trot economically feasible, Borrower &ban promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lander has released process for such purposes. Lender may disbursa proceeds for the repairer and restoration in a single payment or in a series of progress payments as the work is completed. If the fim m ea or condemnation proceeds are not sufficient to repair or roam the Property. Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspe of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. bender shall give Borrows notice at the time of or prior tb such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Leader (or faded to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protedion of Larder's Interest in the Property and Rights Under " Security Instrument. If (a) Borrower fails to perform the eoveaents and agreements contained in this Security Instrument, (b) tree is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security hmhvtnemt (such as a proceeding in bankruptcy, probste, for condemnation or forfeiture, for enforcement of alien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, than Lender may do and pay for w hatever is reasonable or appropriate to protect Leerde's interact in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and sowing and/or repaitmg the Property. Lender's actions can include, but are not /hated to: (a) paying any sums secured by a !lei which has priority over this Security instrument (b) appearing in court, and (c) paying reasonable attorneys' fees to protect its i6teirest in the Property and/or rights under this Security Instrument, including its secured position is a bankruptcy proceeding, Securing the Property includes, but is not limited to, ,entering the Property to make rep change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utia turned on of off Atlhough Lender may take action under this Section 9, Lewder does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. PRO ew+e Form 3691 1101 BK 1870PG 1736 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument, 'Throe amounts shall bear interest at the Note rate farm the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the mergar in writing. 10. Mortgage Insurance, If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If for any reason, the Mortgage Insurance coverage required by Larder ceases to be available from the mortgage insurer that Previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower sbatl pay the proinu s required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the 0011 to Borrower of the Mortgage Insurance previously in effect, from an ahaanate mortgage insurer selected by Lewder. If substantially equivalent Mortgage Insurance coverage, is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceesed to be in effect. Lender will smpt, use and retain these paymeuta as a non- ratundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstsuding the fact that the Loan is ultimately paid in full, and Lender shalt not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of nicking the Loan and Bomwer was required to make separately designated payments inward the premiums for Mortgage [nsimance, Borrower shall pay the premiums required to maintain Mortgage hnsarasee in effec4 or to provide a non - refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Larder providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 aff axs Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage lasursuce. Mortgage insurers evaluate their total risk on all such iusuraom in force farm time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of fimds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insure y from Why, or any affiliate of any of the foregoing, awy receive (directly or indeteotly) amounts that derive ( night be characterized as) a portion of Borrower's Payments for Mortgage Ineurairce, in exchange for sharing or modifying are mortgage insurer's risk, or reducing losses. If such agreement Mate that of Lender takes a mare of the insurer's risk in exchange for a at an share of the premiums paid h We insurer, the arrangement is often termed "captive reinsurance" Further: (a) Any such agreerisats will not affect the amounts that Borrower has agreed to pay for Mortgage Dance, or any other terms of the Loan. Such sgroemeSq will not tanereine the amount w® awe for Mortgage Insuu� eA and they will not eatkle Borrower to any retard 4ft -SIPA) (me) " Pape got 19 Fenn saft t/et 8K 1870FG 1737 (b) Airy such agreements will not affect tke rights Borrower hies - if any ' wlti respect to the Mortgage Intturance ruder the Homeeweera Protection Act of 19" or say other law. Thane rights may include fine right to receive certaia dlaciasrtrca, to request and obtWA cancelladen of as MMgage Inarranca, to have the Mortgage Insnraeuce tertnluated autnsnntkalty, and/or to receive a rdtand of any Mortgage Iasurrnce pretnlam that were unearned at the time of such eancdlatkn or terativaflon. 11. Anignment of Mi ecbmeous Proceeds; Forfeiture. All NrWellaneous Proceeds are hereby assigned to and shall be paid to Lender. If tho Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miacellamus proceeds until Leader has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lander may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless all agreemaai is made in writing or Applicable Law requires interest to be paid on such Atisce oas Proceeds Lender shall not be required to pay Borrower any interest or easing: on such MiscdlanaoU Proceeds. If the restoration or repair is not economically feasible or Lerrdees security would be lessened, Wo Miiecelianaous Proceeds shall be applied to the sums secured by this Security Insttumett whether or not then dues, wilt the excess, if any, paid to Borrower. Such lbfrscollanaous proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sum socured by this Security lnstrument, whothet or not then due, with the excess, if any, paid to BOrrOwar. In the event of a partial taking, destruction, or loss in value of the Property in which the fair nurket value of the Property immediately before the partial taking. destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Inatvtnent immediately before the partial taking destruction, or loss in value, unless Borrower and Lander otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of total amount of the soma secured immediately the Miscall A*M Proceeds mattipilad by the following fratd;oa (e) the ely before the partial tailing, dosmucWti, or loss in valve divided by (b) the fair market value of the Property immediately bofor a the partial Wring, destruction, or loss in value. Any balance shat! be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property m which the fair taarltct value of the Properly immediately before the partial taking, destruction, or loss in value is loss dm the amount of the sums secured immediately before the per ial taking, destruction, or bas in value, unless Borrower and Lender otherwise agreo in writing, the Miseeltaucous Proceeds shall be applied to th sums secured by this Security Inatrurnaat whether or not the sums no then dues If the Property is abandoned by Borrower, or if, after notice by Leader to Borrower that the opposing Pasty (as defined in the next sentence) offers to make an award to settle a cWm for damages, Borro fails to respond to Lender within 30 days after the date the notice is given. Lander is auttoiraod to coulees and apply the Miscellaneous Proceeds either to tnsto"Won or repair of the Property or to the sunss second by this Security Instrumeatt, whether or not then due. "Opposing Party" mesas the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgmaat; could result in forfeiture of the Property or other material o inpaimnara f Ester's inkiest in the Property or rights under this Security Instrument n t Borrower c cure aenh a default aad, if aeeeleratioa has occurred, reinstate as provided in Section 19, by causing the action or procooding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the property or other material hopahme it of ftd(PA) Was) : -- yam -i P,ys to or to Form 3039 11M BK 1 870P 1 738 is Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or clai n for damages that are attributable to the impairment of Lender's interest in the property are hereby assigned and shall be paid to Lender. All MisceWneous Proceeds that are not aPP6od to restoration or repair of the Property shall be applied in the order Provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Walter. Bxtousion of the time for payme>n or modification of amortization of the sums secured by this Security Instrument gntated by Lender to Borrower or any Successor in Interest of Borrower shalt not operate to release the liability of Borrower or any Succe" rs in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to mdand time for payment or otherwise modify amortization of the sums scarred by this Security Instrument by reason of any demand trade by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in eacercising any right or remedy including, without limitation, Lender's acceptance of payments from third Peron, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be iomt and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a ° co- signer"): (a) is co- signing this Security I08trun out only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the awns secured by this Security t>asoiument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the cc- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Leader, shall obtain all of Borrower's tights and benefits under this Security Instrument. Borrower shall not be released from Borrowe's obligations and lability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14 Loan Charges. Lender may charge Borrower foes for se on performed in ccnneohon with Borrower's default, for the purpose of protecting Leader's interest in the Property and rights under this Security Instrument, including, but not limited to, atuomeys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a spocifrc fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that am expressly prohibited by this Saucily Instrument or by Applicable Law. If the Loam is subject to a law which arts maximum ban charges, and that law is finally inimpr'eted so that the interest or other loan charges collected or to be eoltocted in connection with the Loan exceed the Permitted limier, than: (a) any such ban charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded pemitted firuits will be refunded to Borrower. Lender may choose to make this refired by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund re dun principal, the reduction will be treated as a partial prepayment without any prepayment charge (whetter or not a prepayment eWp is provided for under the Note). Borrower's acceptance of my such refund made by dirax Payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. ® j(PA) (000al MMhc it t (� ) o Pne c t of to " Form 3039 1101 BK 1 370P 1 739 15. Notices. All notices given by Borrower or Lender in connection with this Security Inatrtmtent must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by fast class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Leader. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Botrrowees change of address, dim Borrower shall only report a change of address through drat specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lendees address stated heroin unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requh mlent under this Security Instrument. 16. Governh g Law; Severshility; Rules of Cons&veftn. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. Ali rights and obligations contained in this Security Instrument are subject to any require meats and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the partite to agree by contract or it might be silent, but such silence shall not bo construed as a prohibition against agreement by contract. In the event that any Provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict well not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument; (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (b) words in the singular shall mesa and include the plural and vice versa; and (c) the word 'may" gives sole discretion without any obligation to take any action. 17. Borrowees Copy. Borrower shall be given one copy of the Note and of this Security Instrtmrent. 18. Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section I8, "Interest in the Property" means any legal or beneficial interest in the property, including, but not limited to, those beneficial interests transferred in a bond for dad, contract for deed, installment sales contract or escrow agreement, the intent of which is the hander of title by Borrower at a future date to a purchase. If all or any part of the Property or any Interest in the Property is sod or Unisfetred (or if Borrower is not a naUaal person and a beneficial interest in Borrower is sold or tratufetrod) without Lmdaes prior written consent, Loader may require immediate payment in full of all sums samred by this Security Inetrtuncmt. Iiowovec, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exorcists this option, Lender shall give Borrower notice of acceleration. The, notice shall provide a period of not less than 30 days from the daft the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiation of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. I9. Borrower's Right to Reinstate Acker Acceleration. If Borrower meets cortsin conditions, Borrower shall have the right to have enforcement of this Security Inatrutnent discontinued at any time prior to the earliest of (5) five days before sale of the Property pursuant to any power of sale c:onQuod in this Security htsttatment; (b) such outer period as Applicable Law might specify for the termination of Borrower s right to remstele; or (c) entry of a judgment enforcing this Secturity Instrumtent. Those conditions are that Borrows: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had ooc cared; (b) cures any default of any other covenants or agroemonts; (c) pays all Ma"b: OVMA) rM) ftes 12 of" Form 8030 Vol SK 1 870P i 740 r expenses incurred in enforcing this Security Instntenent, including, but not limited to, reasonable attorneys - fces, pmperiy inspection and valuation fees, and other fees incurred for the purpose of protecting Lenders interest m the Property and rights under this Security Instrument; and (d) takes such action as Lander may reasonably require to assure that Lendees interest in the Property and rights under this Security Inmument, and Borrower's obligation to pay the sums secured by this Security Instrument, shalt continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) cmtified check, bank check, tressurees check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 2A. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice 10 Borrower. A sale might result in a change in the entity (known as the "Loan Service") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the mate and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Service, other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual Htigant or the member of a class) that arises from the other party's actions pursuant to this Security Inal ument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other parry (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of aee4=6M and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. E[traardevs Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances deemed as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fotmalddtyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Enviroumeaw Clewnup" includes any roaponse action, remedial action, or removal action, as define! lo Environmental Law; and (d) an "Favironmeatal Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. 4k. 6 (PA) tt Peps i3 one Form 3031+ 1101 BK ! 870FG 174 1 Y Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substsncet, on or in the Property. Borrower shall not do, nor elbow anyone the to do, anything affecting the Property (a) that is in vioWion of any Bnviromental Law, (b) which creates an khivironrnental Condition, or (e) which, duo to the presence, use, or release of a Hazardous Substance, Creates a condition that adversely affects the value of the Property. The two seatmces shall not apply to the presence, use, or storego on the Property of small gzwmtkies ofofHazardous Substances that are genCrally recognized to be appropriate m normal residential uses and to maintenance of the Property (mcludmg, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any tnvesbastion, clan, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Bnviroamea al Condition, including but not limited to, any spilling, laaldng, discharge, release or threat of release of any Hsmdm Substance, and (c) any condition caused by the presence, use or release of a Hazardous Subst ace which adversely affects the value of the Property . If Borrower Lomas, or is notified by away governmental or regulatory authority, or any private patty, that any removal or other remediadou of say Hazsrdow Subateneo affecting the Praperty is necessary, Borrower 3W promptly tale all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON - UNIFORM COVBNANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shalt give mtice to Borrower prior to sod r"I" fo%wtag Borrower's breach of any covenant or agreenseat to this lestrunernt accdaratien under Sutton 18 valets Applicable Lawn JIMMca o ). Lender shall cot pals r to notify Borrower Of, auong other thins: (a) the default; (b) Me action regutred to we the default; (c) when the default must be cond; and (d) that fatlare to cure the default as WKMW may result tit acederadea of the sum s seared by this Security Instrument, foreclosure by judtdal preceating and sate of the Property. Leader shall farthr tef ra Borrower of the right to reinstate alter acceleration and the nail to assert In the hnchesre proceeding the non -CKWMO of a ddauk or any other defeaso of Burrower to 2 =01IM'"M and favetosum If the default is not cured as spedffed, Leader at Ys opltsa stay rettatre iMmsdtsta pyspmt In hall of all suss: secured by Ibis Seesa ty lasbmmt without lards r demand and may feredless this Seeartty huhu mt by jadkW Pnmedkg. Laden drat! be cabled to afoot all atpenses incurred to pursuing the reaaedtes pmvWd is this Sudan 22 hacbdhs& but not {tatted to, attertseys' teas and costs of title evidence to the ea:tent permitted by Ankable Law. 23. Release, Upon payment of all sums secured by this Security hu ument, tide Security lasauoment and the estate conveyed shall tomnsate and become void Abet such occurrence, Lender shah J an d satisfy this Security Ins trout. Borrower shall pay any recordation coat:. Leader may dwV Borrower a fee for releasing this Security lawament, but only if the The is paid to a third party for services rondorW and the charging of the fee is permitted under Applicable Law. 24. Wailes. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to onfam this Sectuity lrastrument, and hereby waives the benefit of any proem or t lure laws providing for May of execution, extension of time, exemption from wtac6moat, levy and sale, and homestead exemption. 25.8etastateweat Period. Borrower's time to reinstate provided in Section 19 shall extaod to one hour prior to the commencement of bidding at a sheriffs ante or other ante putsuaat to this Security Iastrumeat 26. Purchase Mossy Mortgage, If any of the debt secured by this Security Insaouxat is lent to Borrower to acquire title to the Property, this Sam* instrument shall be apurchhase money antxtgago.. 27. hkerved Rate After Judgsaent. Borrower agrees that the iatsrest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. ua�� 4(PA) (ms) P. u a ie Form Un trot BK 1 870P 1 742 BY SIGNING BEWW, Borrower accapts and agrees to the rooms and covenants contained m this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: mtV ! �� n '' (Seal) NA ALIE A BROSIUS Boaoantt (Sea) Borrower (Seal) (Seal) Borrower - Borrower (Seal) (Seal) - Bormwer - Borrow« (Seal) (SMI) - Boavwer - Boaoweor Qt4(PM lows) papa 1501 to Fonn 3039 Vol BK 1 870P 1 743 w Certificate of Residence I team MONTOYA , do hereby certify that the correct address of the within -named Mortg gee is 2828 NORTH HARWOOD, D TX 75201 -1516 Witness my hand this K ! day of ?An IltAItIA MONTOYA Agent of Mortgagee COMMONWEALTH OF FEMSYLVANIA, bum AGt. U'WJ l-O County ss: On this, the O th day of ()U 4 , before me, the undersigned officer, personally appeared NATAWN A HROSIOS known to me (or satisfactorily proven) to be the person(s) whose name($) is/sss- 46wribcd to the within instrument and acknowledged thxQWshe/lbey executed the same for the purposes herein eontainW. IN WITNESS WHEREOF, I hereunto set my hand and official seal My Commission Expires; Nofattiai Seal Vaietle 3. Sptdat>kh, Nay PubUc Ham pden CtWM eW0n "M 30, Member, of N y 4 rue of Officer Ie�N: MVPA1 Pow psis 18 Fann 1f01 BK1870PG1714 P ,JeA A legal description ALL THAT CERTAIN unit in the property known, named and identified in the Declaration referenced to below as *"Walnut Villas Condominium" located in the Borough of Mechanicsburg, County of Cumberland, Commonwealth of Pennsylvania, which has heretofore been submitted pursuant to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa. Cons. Stat. Ann. et seq. (Purdon Supp. 1987), by the recording in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, of a Declaration of Condominium dated July 30, 1985 and recorded on August 14, 1985, in Miscellaneous Book Vol. 308, page 147, which Declaration has been amended by a First Amendment to Declaration of Condominium, dated December 31, 1985 and recorded in December 31, 1985 in the aforesaid Office at Miscellaneous Book 313, page 133, and further amended by a Second Amendment to Declaration of Condominium dated March 23, 1987 and recorded on March 27, 1987 in the aforesaid office at Miscellaneous Book 331, page 933, and further amended by a Third Amendment to Declaration of Condominium dated June 12, 1987 and recorded on June 12, 1987 in the aforesaid office at Miscellaneous Book 335, page 283, and further amended by a Fourth Amendment to Declaration of Condominium dated November 10, 1987 and recorded on November 30, 1987 in the aforesaid office at Miscellaneous Book 343, page 368, and further amended by a Fifth Amendment to Declaration of Condominium dated April 14, 1988, and recorded on April 18, 1988 in the aforesaid office at Miscellaneous Book 348, page 868 being and designated in such Declaration, as so amended, as Unit No. 801 as more fully described in such Declaration, as so amended together with a proportionate undivided interest in the Common Elements of such Condominium as set forth in such Declaration as so amended and as further amended by any further amendments thereto hereafter recorded in the aforesaid office. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights -of -way, easements and agreements of record, including (but not limited to) those contained in the instruments recorded in the aforesaid Office in Miscellaneous Book Vol. 304, page 227 and Miscellaneous Book Vol. 304, page 566. Being the same premises which Christopher D. Cremo and Susan M. Cremo, husband and wife, by deed dated June 14th, 2004 and which is intended to be recorded herewith in the Cumberland County Office of the Recorder of Deeds, granted and conveyed unto Natalie A. Brosius, Mortgagor herein. Blt 1 870PG 1745 i CONDOMMUM RIDER THIS CONDOMPlIUM RIDER is made this 17th day of jW 2004 - and is incorporated into and shall be deemed to amend and supplayumt the Mortgage, Deed Of Trust or Security Dead (the "Security lastrumeall of the same date given by the undersigned (the "Borrower") to secure Borrower's Note to CEIRM ROM HQDITY COMPANY, LLC (the "Leader") of the some date and covering the Property described in the Security Instrument and boated at; 601 OLD sILvzR 9muG,s R= NRCNANICSISt7 S, ell 17930 lrrov" Aldmul I The Properly includes a unit jn, together with an undivided interest in the coaunon eleatents of, a condominium project known as: NALWM VILT.AS /If6CKNaCSBtMG [Name of Condominium Ptq-tj (the "Condominium Project'). if the owners association or other entity which acts for the Condominium Project (the "Owners Association ") holds title to property for the benefit or use of its members or sharoboWers, the Property also Includes Botroweei interest in the Owners Association and the uses, proceeds and btara% of Borrower's interest CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Leader author covenant and agree es follows: A. Coademlahme OblIgatIOVIL Borrower shalt perform ail of Borrower's obligations under the Condominium Projects Con"ent Documents. The "Constituent Documents" are the. (i) Declaration or any other document which create* the Condominium Project; (it) by-laws; (iii code of regulatiomg; and (iv) other equivalent docutaeets. Borrower "promptly pay, when due, all dues and eesessmema imposed pursuimt to the Constituent Documents. MULTUITATE CONOOttINWA . RIDER ShOs FOffgy- Fntnte USSIFnddls Mae UNIFORM INSTRUMENT atm (9y05) Penn 9t/ [-t Papa 1 ar3 RM iWM' /Y]� /1•�G VMP MORTGAGE rows 3111 BK 1870PG 1746 s 'r B. 11asard Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy on the Condominium Project which is satisfactory to Leader and wbith provides hmn=e coverage in the amounts, for the periods, and against the haarda Lender requires, including foe and hazard included wi&k the term'comdod coverage," then: (a) Lender waives the provision in Uniform Covenant 2 for the monthly payment to Lender of the yearly premium installments for hazed insurance on the Property; and (a) Borrower's obligation under Uniform Covenant S to maintain hazard inswance coverage on the Property is deemed sstitlied to die extent that the requited coverage is provided by the Owners Association policy. Borrower shall give Lender prompt notice of any lapse in required hazed insurance coverage. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property, whether to the unit or to common uiameats, any proceeds payable to Borrower an hereby assigned and shill be paid to Lender for application to the sums stowed by the Security future=% with any excess paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insutance policy acceptable in form, amount, and extent of coverage to Lender. D. Couderauation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property, whether of the unit or of the common elements, or for any conveysice in Ilan of condmu&don, are hereby assigned and shall be paid to Linder. Such proceeds &ball be applied by Lander to the sums secured by the Security Instrument as provided in Uniform Covenant 10. L Lender's Prier Conant. Borrower shall not, except after notice to Lender and with Leader's prior written consent, tither pareiden or subdivide the Property or coosast to: (i) the abandonment or termination of the Condominium Project, except for abandonment or termination requited by law in the case of substantial destruction by fire or other casualty or in the can of a eking by condemnation or aninant domain; (b) any amendment to any provision of the Constituent Documents if the provision is for the express bmeftt of Lander (iii) termination of professional management and assumption of self - management of the Owners Association; or (iv) any action which would have the effect of tendering the public liability insurance coverage maintained by the Owners Association unacceptable to Leader. F. Remelles. If Boaower does not pay condominium dues and assessments when due, then Leader may pay them. Any amounts disbursed by Ltmder under this paragraph F shall become additional debt of Borrower secured by the Security hWrum oL Unless Borrowar aid Leoder agree to other terms of payment, those amounts shall bear interest from the data of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment q Ieiaak: ' J Pape 2 of 3 eau 4140 GAO BK 1 870PG 1747 _.. BY SIOMNG BELOW, Borrower accepts and agrees to The terms and provisions cantaincd in this Condominium Rider. ll�u(, a Q &" (Seal) ( I H&VAU a SA0SIQ9 _B - Bonowor (S (Seal) -130 o .r - Bonaww (Sea) (Seal) . Behowar -Bomwer (Sea) (Seel) .Bavowc - 9orrewer 4 ftM (9705) Pays 3 of 3 Form 31109190 91t 1870PG 1748 ADJUSTABLE RATE RIDER (LIBOR 6 Month Index (As Published In The Wall Street Journal) - Rate Caps) THIS ADAISTABLB RATE RIDER is tondo this 17th day of Jun 2004 , and is woorpoutod into and shall be loaned to sute'd sed supplemea the Mottpp, Dead of TM1 err Security Deed (the "Security 16st ume ar) of the ssmo date given by the undersigned (tbe "Borrower") to sewn Bouowe's A4j'stablo Rate Note (ere "Note") b C=rzX HOtd IiQUITY COIIPA", LLC (the "Ladd') of the same date and covering the Property described in the Saauity btsdtmleat and located et: 801 OLD SILVXR SPRINGS ROAD I ZMZCSBVM, #A 17050 POPmr Addnu] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORRO'WER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and Wwooros made m the Sc=ty 1- humont, Basrmver sad Lander fu"hw eovensat and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 8.300 V-- The Note provides far chwges in the interest rate ad to mcotMy payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the lot d of and on that day every M , R month thereafter. Each date on whiebb my interest rate corld rha ga a cW[cd a "Change Dale." (B) The Index Beginning win the fast Cbup Date, my interest rate will he based on an irslox. The "Index" is the average of interbank O&M rates for 6 month U.S, dollarioomioated deposit, in the Lando' market ("LIBOR a in The Wall Street Jorrrxel. The most recent Index Sgixe available as oftbe first M Mo d aaeid t»u e s1 / mtn�t.t31 t urOlyyij xo"b re4c Cli (011 Page 1 *0 BK l 870PG 1749 k business day of the month immediately preceding the mouth in which the Change D occurs is called the "Currmt Index." If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes $re T MM /w age Date, the Note Holder will calculate my now interest rate by adding ( 8.250 00 y m the Currant Index. 7De Note Holder will then round� Bass addition to the Dearest anaagtadt of one percentage point (0.12S%). Subject to the Mardis slated in Section 4(D) below, this rottsded amottot will be my sew interest rate until the next Change Date. The Note Holder will then determine to amount of the monthly payment dud would be sufficient to repay the unpaid principal that I an expected to owe At the Chage Date in N11 on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monffiWly payment. (D) Lhmlts on Interest Bate changes The. interact rate I am required to pay at the First Change Date will not be greater than 11.300 % or Was then 8.300 %. Tbeteaffer my interest rate will never be increased or decreased on any single Change Date by mom than ONX AND 000 /1000 ( 1.000 %) froal the tau of interest I have 31xs p p ercentage point(s) aying fm the preceding 6 months. My interest rate will never be greater than %. (11) Effective Date of Changes + or lower then 8.300 t. MY Raw interest rate wi11 become effwuve on each Change Date. 1 will pay the amount of my now monthly payment beginning on the fast monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Nodne of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of MY uwathly payment before the eRocave date of any change. The notice will include information required by law to be given me aid also the telephone number of a person who will sower any question I may have regarding tho notice, B, TRANSFER OF THE PROPERTY OR A BENEFICIAL INUREST IN BORROWER Uniform Covenant 17 of the Seatriay Instrument in amended to read as follows. Transfer of the Property or a Beneffehd ittertm is Borrower, if all or any part of the Property or my interest in it is sold or trrm fined (or if a beneficial late= in Borrower a sold or transferred and Borrower is not a natural pawn) without Landah prior written content, Leader may, at its option, reg11ie karnediap payment in 11111 of ail stmu secured by this Security Imattmment Howaww, this option aha11 not be exercised by Leader if exercise is prohibited by federal law as of the date of this Security hgtrumeet Leader also shall not exercise this option if.- (a) Borrower causes to be submitted te Leader Mi requited by (� -a781r (8705) P Irisalr age 2 of 3 3138 6*4 Z' - Y 1 4 this to be recorded it Cumberland COUlItY PA Recorder of Deeds BN1870PG Linder to evaluete the intended transferee as if a new IOan were being made 10 the trm,&M- and (b) Lender ressom bly determines that Lemda's security will not be ftrgobtd by the loin e s breach of any coveneat�cemaot m Otis Security Is,htmtaat is n and that the risk of To the extent by applfable law, Leader may ttoceptabte der. Landay eonwnt 10 �o ban aeaonpdon Lender ala* nay charge a resemble fee as a **edition to agxmant that is soeeptable to Lender and dw s r04vO the UmaCeree b alga m aawmptioe agmennel s made in the Note and in Otis the uanafrase to aO the proetiaea and the Now and thin Security ' InaWre B Borrower wdl **Iftue to be obligated under If Lender exa�cfaaa pe lnanumaet udesa Leader sekatta Bono in wring. Of accelaratim The notf*e s option t i o �e humediale payment is fltd, Lender shaft give Bom*wer anti*, or mailed widpe wL c e"PP"vd O a Period of sot less tam 30 days flan the date the notice is dsavered pay aO sum, aseand by this Seotafty lospt� ant. If Boaewar fiik to S Pay them strata prior to the expiation of this palod, Leader tray invoke any re anw. I Botroted by this ecurity hwwummt without further notice or demand on Borrower. BY SIGMWG BELOW, Borrower aocopts and agrees to the terms and covenants contained in this Adjustable �t-q Rue Rider. JL— �-lL�f (SOW) HAZALI Botmwma (Seal) •Boeower (S eal) t9 - Bmmwer •8000war (seal) (sal) - Borrower - Bmmwer (Seal) (Seaq - Banowor -Bmmwcr 4W3$U (9705) Pape 3 of 3 Fats 3191 alaYt BK 1 870P 175 1 f 4 � vt .� legal description ALL THAT CERTAIN unit in the property known, named and identified in the Declaration referenced to below as "Walnut Villas Condominium" located in the Borough of Mechanicsburg, County of Cumberland, Commonwealth of Pennsylvania, which has heretofore been submitted pursuant to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa. Cons. Stat. Ann. et seq. (Purdon Supp. 1987), by the recording in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, of a Declaration of Condominium dated July 30, 1985 and recorded on August 14, 1985, in Miscellaneous Book Vol. 308, page 147, which Declaration has been amended by a First Amendment to Declaration of Condominium, dated December 31, 1985 and recorded in December 31, 1985 in the aforesaid Office at Miscellaneous Book 313, page 133, and further amended by a Second Amendment to Declaration of Condominium dated March 23, 1987 and recorded on March 27, 1987 in the aforesaid office at Miscellaneous Book 331, page 933, and further amended by a Third Amendment to Declaration of Condominium dated June 12, 1987 and recorded on June 12, 1987 in the aforesaid office at Miscellaneous Book 335, page 283, and further amended by a Fourth Amendment to Declaration of Condominium dated November 10, 1987 and recorded on November 30, 1987 in the aforesaid office at Miscellaneous Book 343, page 368, and further amended by a Fifth Amendment to Declaration of Condominium dated April 14, 1988, and recorded on April 18, 1988 in the aforesaid office at Miscellaneous Book 348, page 868 being and designated in such Declaration, as so amended, as Unit No. 801 as more fully described in such Declaration, as so amended together with a proportionate undivided interest in the Common Elements of such Condominium as set forth in such Declaration as so amended and as further amended by any further amendments thereto hereafter recorded in the aforesaid office. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights -of -way, easements and agreements of record, including (but not limited to) those contained in the instruments recorded in the aforesaid Office in Miscellaneous Book Vol. 304, page 227 and Miscellaneous Book Vol. 304, page 566. Being the same premises which Christopher D_ Cremo and Susan M. Cremo, husband and wife, by deed dated June 14th, 2004 and which is intended to be recorded herewith in the Cumberland County Office of the Recorder of Deeds, granted and conveyed unto Natalie A. Brosius, Mortgagor herein. Nationstar Mortgage, LLC PO Box 9095 Temecula, CA 92589 -9095 PRESORT Rmt -Class Mal U.S. Postage and Fees Paid WSO Send Payments to: Nationalar Mortgage 7196 9006 9296 3626 1734 PO Box 850783 Dallas, TX 75255 -0783 20121126.160 illlll�l . i�llll111 NATALIE A BROSIUS 801 OLD SILVER SPRING RD MECHANICSBURG, PA 17055 -2883 Pk N01 Sent Via Certified Mail 7196 9006 9296 3626 1734 November 26, 2012 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. I The TIOMEOWNER'S EMERGENCYMORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITHA CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Nodee. If you have any questions, you may call the Pennsylvania Housing.FinanceAgencv toll-ftee at. (800) 342 -2397. (Persons with impaired I hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. p g g Y Y p p You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. i LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMYRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGA11tA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SA.LVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Pry NOI page Iot6 7196 9006 9296 3626 1734 HOMEOWNER'S NAME(S): NATALIE A BROSIUS PROPERTY ADDRESS: 801 OLD SILVER SPRINGS ROAD MECHANICSBURG, PA 17050 LOAN ACCT. NO.: ORIGINAL LENDER: Nationstar Mortgage, LLC CURRENT LENDERISERVICER: Nationstar Mortgage, LLC HOMED NEWS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR .HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT" }, YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A. REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face- to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY THREE (33) DAYS OF THE DATE OF THIS A1rOTTCE. IF YOUDO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF Y711S NOTICE CALLED "11013' TO CURE YOUR MORTGAGE DEFAULT" EATLAINTS HOW TO BRING YOUR MORTGAGE LIP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The navies, addresses, and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. 11 is only necessary to schedule one face -ta face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice ('see follotitiing pages for specific information about the nature of your default). You have the right to apply for financial assistance front the Homeowner's Emergency Mortgage Assistance Program. To do so, PA_NOI Page 2of6 7196 9006 9296 3626 1734 you must fill out sign and file a completed Homeowner's Emergency Assistance Program Application with one of'the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHF.A and received within thirty (30) days of your face -to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WTI'H A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF TBAT MEETING THEN THE .LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE S'EC'TION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly try the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOU ARE CURR NTLY.PROTECTF.D BY THE FILING OF A PE.T. IHON.IN BANKRUPTCY, THE. PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THEDEBT. (Ifyou have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it tap to date.) NATURE OF THE DEFAIfLT - The MORTGAGE debt held by the above lender on your property located at. 801 OLD SILVER SPRINGS ROAD MECHANICSBURG, PA 17050 IS SERIOUSLYINDEF.AULT because: YOU H.AI!F, NOT MADE MONTHI.,Y MORTGAGE PAY- VFA for the following months and the following amounts are nuwpast due: Next Payment Due Date 10f01, Total Monthly Payments Due: $7,848.22 Late Charges: $326.19 Other Charges: Uncollected NSF Fees: $50.00 Other Fees: $115.09 Corporate Advance Balance: $.1,255.45 Unappiied Balance: $58,85 TOTAL AMO LINT PAST DUE: $9,536.07 PA_NOI Page3of6 7196 9006 9296 3626 1734 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 PAST DUE TO THE LENDER, WHICH IS $9,536.07 PLUS ANYMORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE .DURING THE THIRTY (30) DA YPERIOD. Payments must be made either by cash, cashier's check certified check, or money order made payable and sent to: Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 IF YO U DO NOT CURE THE D EFA UL T - If you do not cure the default within THIRTY (3 0) 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) DA YS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys 'fees actually incurred by the lender even if they exceed $40.00. Any attorney's fees will be added to the amount you owe the lender; which may also include other reasonable costs. If you cure lite defaidt within The THIRTY (30) DAY period, you will not he required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personaky for the unpaid principal balance and all other surns due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the TKILR TY (30) DA Yperiod and foreclosure proceedings have begun, you still have the right to cure the dqfmdt andprevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default VV.111 increase the longer you Wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: 350 Highland Drive Lenrisville, TX 75067 Phone Number: (888) 480-2432 Fax Number. (801) 293-3936 Contact Person: Tammie Tandy E-Mail Address: custorfier.service@nationstarmaii.com EFFECT OF SHERIFFS SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. PA N01 Page 4 of 6 7196 9006 9296 3626 1734 -- - - -- - -- ASSUMPTION OF MORTGAGE -You—X- may or---nay not sell or transfer your home to a buyer or transkree who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied. YOU MA RAVE THE RIGHT. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE TIBS DEFAULT CURED BY AID Y 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 (3) TIMES IN ANY CALL NDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A .DEFAULT IN ANY FORECLOSURE .PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT' ANY O'IT-ILR DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TH.E LF,NDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. j CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In. accordance with the Fair .Debt Collection Practices Act, Title 15, U.S.0 1692(g), you may dispute the validity of this debt, or any portion thereof, if you do so in writing within thirty (30) days after the receipt of this notice. If you dispute the validity of this debt, or any portion thereof, within this thirty (30) days period we will provide you with written verification thereof, otherwise the debt will be assumed to be valid. Sincerely, Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 (888) 480 -2432 FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A .DEBT COLLECTOR AND TIIAT THIS IS AN ATTEM'T TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBL PA_NOI Page 5of6 7196 9906 9296 3626 1734 'MAP Consumer Credit Counseling Agencies CUMBERLAM County Report Jost updated: 09, FM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 -232 -9757 Housing Alliance ofYork/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717 - 762 -3285 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717- 334 -1518 717- 780 - 3940 800 -342 -2397 HC Nationstar Mortgage, LLC PO Bcnc 9095 Mom Temecula, CA 92589 -9095 PRESORT Frst -Class Mail U.S. Postage and 11111m irlill Fees Paid WSO Send Payments to: 2267907123 Nationstar Mortgage PO Box 850783 Dallas, TX 75265 -0783 20121126 -160 I IIII�mIIIIIEIIII�lltlilllli , .I „ � , IIIII�I „ IIII ,,, II „ Illlpl NATALIE A BROSIUS 801 OLD SILVER SPRING RD MECHANICSBURG, PA 17055 -2883 PA NOI November 26, 2012 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCYMORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET KITH CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you »ray call the Pennsylvania Housing Finance Agency toll free at (800) 342-2397. (Persons with impaired hearing can call (717) 780 - 1864). 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 NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR vNIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIdN OBTENGA UNA TRADUCC16N INMEDIAT_AMENTE LLAMANDO .ESTA AGENCIA (PENNSYLNIANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SA.LVAR SU CASA DE LA PERDIDA .DEL DERECHO A REDIMIR SU HIPOTECA. PA Page Iofb 2267907123 F HOMEOWNER'S NAME(S): NATALIE A BROSIUS PROPERTY ADDRESS: 801 OLD SILVER SPRINGS ROAD MECHANICSBURG, PA 17050 LOAN ACCT. NO.: ORIGINAL LENDER: NationAar Mortgage, LLC CURRENT LENDER/SERVICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MA Y BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SA YE YOUR HOME .FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS: IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- .TIIREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED °FLOW TO CURE YOUR MORTGAGE DEFA ULT" EATEAIATS HOW TO BRING YOUR MORTGAGE tip TO DATE-. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names., addresses, and telephone numbers of designated consumer credit counseling agencies )or the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information ahout the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, PA — NOI Page' bf 6 2267907123 r you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application ARIST be forwarded to PHFA and received within thirty (3 0) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY SI AY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HE'b(AP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOU ARE C,'URRF,NTI,Y.PROTECTED BY THE FILING OF PETCTIONIN BANKRUPTCT, THE—PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you hare filed bankruptcy, you can still apply for Emergency Morigrcge Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it rip to date.) NATURE OF THE DF,FAULT - The MORTGAGF, debt held by the above lender on your property located at. 801 OLD SILVER SPRINGS ROAD MECHANICSBURG, PA 17050 IS SERIOUSLYIN DEFAULT because: YOU HATE NOT MADE. MONTHLY MORTGAGE PAYMFNTS for the following months and the following amounts are now past due: Next Payment Due Date 10/01/2011 Total Monthly Payments Due: $7,848.22 Late: Charges $326.19 Other Charge: Uncollected NSF Fees: $50.00 Other Fees: $115.09 Corporate Advance Balance: $.1.,255.45 Unapplied Balance: 58.88 TOTAL AMOMN'T PAST DUE: $9,536.07 PA Page of 2267907123 HOW TO CURE THEDEFALZT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LEN DER, WHICH IS,$9,536.07PLUS ANYMORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYPERIOD. Payments must he made either by cash, cashier's check certified check, or money order made payable and sent to: Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 IF YOUDO 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 deft This means that the entire oidstanding halance of this debt will be considered due immediately andyou may lose the chance to Pay the mortgage in monthly installments. Iffull payment of the total amount past due is not made within. THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still he required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys ' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs_ If you erne the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - 71e lender may also sue you personally fur- the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DA Yperiod and foreclosure proceedings have begun, you still hm the right to cure the default andprevent the sale at any time up to one hour before the Sherds Sale. You may do so by paying the dotal amount then past chie, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage_ Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER Name of Lender: Nationstar Mortgage, LI..0 Address: 350 Highland Drive Lewisville, TX 75067 Phone Number: (888) 480 -2432 Far Number. (801) 293 -3936 Contact Person: Tammie Tandy E -Mail Address: customer .service@nationstarmall.com EFFECT OF SHERIFFS 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings sound be started by the lender at any time. PA_NOi Page of 2267907123 ASSUmPTION OF VORTG 4GE - Your may or--nay not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied. YOU MA ALSO HA bE THE RIGHT.- • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITU'T'ION TO PAY OFF THIS DEBT. • TO HAVE TICS 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 TfIAN TI IREE (3) TIMES IN ANY CALENDAR YEAR ) • TO ASSERT THE NONF_.XISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCF..EDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSEKI' 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 CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1642(g), you may dispute the validity of this debt, or any portion thereof, if you do so in writing within thirty (30) days after the receipt of this notice. If you dispute the �, of this debt, or any portion thereof, within this thirty (30) days period we will provide you with written verification thereof, otherwise the debt will be assumed to be valid. Sincerely, i Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 (838) 480 -2432 .j FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED 2. S> BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER. PA_NOI Page 5 of 6 2267907123 HEMAP Consumer Credit Counseling. Agencies CUMBERLAND County Repot lut updated: 09 05:11 PM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance ofYorlt/Y HousingResources Maranatha 290 Vest Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717- 855 -2752 717 -762 -3285 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717 - 334 -1518 717- 780 - 3940 800 -342 -2397 l� HC I ., IJ ;` 1664 5S 2313 A 2 {� HURTS l.s'E;l - 18 C_ R L A t V L V iQl�l 1 �asv U Nationstar Mortgage LLC IN THE COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY, Lewisville, TX 75067, PENNSYLVANIA Plaintiff, / �/ Vs. � ✓ CIVIL Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg, PA 17055, Defendant 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 a court- 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 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 PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 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 submitted: Date 7Lake8Driv sn r, Esq ire s oc' tes, LLC As E t, Suite 301 , N 002 856- 482 -1400 856- 482 -9190 (fl 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: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary for Default Is the loan in Bankruptcy? Yes ❑ No ❑ 9 18363 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 #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 2. 3. Additional Income Description (not wages): I. 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 Mortgage Food 2 "d Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered Auto fuel/repairs Other prop. payment Install. Loan Payments Cable TV Child Su ort/Alim. Spending Mon Da /Child Care/Tuit. Other Expenses 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): Fax: 9 1836 2 PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 THE COURTS 1667 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): Phone: Servicing Company (Name): Contact: 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 Date Co-Borrower Signature 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) Iti S SHERIFF'S OFFICE OF CUMBERLAND COUNTY9�-` Ronny R Anderson f^ Sheriff Jody S Smith �k«tt, ut �rrrrGr$rxr ` Chief Deputy �a Richard W Stewart Solicitor , - Nationstar Mortgage LLC vs. Case Number Natalie A. Brosius 2013-1615 SHERIFF'S RETURN OF SERVICE 04/01/2013 07:46 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Natalie A. Brosius at 801 Old Silver Spring Road, Mechanicsburg Borough, Mech csburg, PA 17055. TSHAL , DEPUTY SHERIFF COST: $38.00 SO ANSWERS, April 02, 2013 RbNW R ANDERSON, SHERIFF Nationstar Mortgage LLC f/k/a : IN THE COURT OF COMMON PLEAS Centex Home Equity Company, LLC : CUMBERLAND COUNTY, 350 Highland Drive : PENNSYLVANIA Lewisville, TX 75067 Plaintiff zz c� V. : Docket No. 13-1615 rn� Natalie A. Brosius fo 801 Old Silver.Springs Road FC) a - r Mechanicsburg, PA 17055 : CIVIL ACTION- � c Defendant : MORTGAGE FORECLOSUIZ .4 r> PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter the appearance of MidPenn Legal Services on behalf of the Defendant, Natalie A. Brosius, in the above matter, representing the Defendant in the Cumberland County Residential Mortgage Foreclosure Diversion Program. Respectfully Submitted, MIDPENN LEGAL SERVICES DATE: Jaime M. Haley, Esquire Attorney for Defendant Supreme Ct. ID #205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 Nationstar Mortgage LLC f/k/a : IN THE COURT OF COMMON PLEAS Centex Home Equity Company, LLC : CUMBERLAND COUNTY, 350 Highland Drive : PENNSYLVANIA , Lewisville, TX 75067 - ' Plain tiff -a x c o �,,. r— -; Z ca V. : Docket No. 13-1615 Natalie A. Brosius =4= 801 Old Silver Springs Road Mechanicsburg, PA 17055 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012, governing the Cumberland County Residential Mortgage Foreclosure Diversions program, the undersigned hereby certifies as follows: 1. Defendant is owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. LZ o rs Sigri ture of Defendant's Counsel/Appoi t d Date Legal Representative KA" r q - §ignature of Defendant Date Nationstar Mortgage LLC f/k/a : IN THE COURT OF COMMON PLEAS Centex Home Equity Company, LLC : CUMBERLAND COUNTY, 350 Highland Drive : PENNSYLVANIA Lewisville, TX 75067 Plaintiff V. : Docket No. 13-1615 Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg, PA 17055 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, Jaime M. Haley, Esquire, of MidPenn Legal Services, attorney for the Defendant, Natalie A. Brosius ,hereby certify that I am serving a copy of the Praecipe for Entry of Appearance and Request for Conciliation Conference on the Plaintiff, through their attorney, on the following date and in the manner indicated below: U.S. First Class Mail, Postage Pre-Paid Patrick J. Wesner, Esq. Milstead&Associates 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 MIDPENN LEGAL SERVICES, L DATE: aC4(z_q(Z0 f-s Jame M. Haley, Esquire Attorney for Defendants Supreme Ct. ID #205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 Nationstar Mortgage LLC f/k/a : IN THE COURT OF COMMON PLEAS Centex Home Equity Company, LLC : CUMBERLAND COUNTY, 350 Highland Drive : PENNSYLVANIA Lewisville, TX 75067 Plaintiff C= -- V. : Docket No. 13-1615 =� 'ON Mme. Natalie A. Brosius ry CDC CD 801 Old Silver Springs Road 3>C--) Mechanicsburg, PA 17055 : CIVIL ACTION- Defendant MORTGAGE FORECLOSURE`:,% coca. -'? CASE MANAGEMENT ORDER AND NOW, this 10t day o 61uff , 2013, the defendant/borrower in the above- captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant/borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in a court-supervised conciliation Conference on Q6 13 at 43P # at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the Plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2)which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made and may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 with the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated; 3. The defendant/borrow er and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must, either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conf6rence, the court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement;paying off the mortgage;proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT, J. DISTRIBUTION: aime M. Haley, Esquire MidPenn Legal Services 401 E. Louther Street, Ste 103 Carlisle,PA 17013 For the Defendant atrick J. Wesner, Esq. Milstead&Associates 1 220 Lake Drive East, Suite 301 , Cherry Hill,NJ 08002 For the Plaintiff O�j NATIONSTAR MORTGAGE LLC IN THE COURT OF COMMON PLEAS OF DWa CENTEX HOME EQUITY CUMBERLAND COUNTY, PENNSYLVANIA COMPANY, LLC, Plaintiff CIVIL ACTION—LAW NO. 13-1615 CIVIL VS. NATALIE A. BROSIUS, Defendant MORTGAGE FORECLOSURE IN RE: CONCILIATION CONFERENCE Present at a conciliation conference held June 21, 2013, were Nathan Wolf, Esquire, local counsel for the plaintiff, and Jaime Haley, Esquire, attorney for the defendant. There appear to be few options in this case and the bank is not inclined to entertain the notion of refinance. Nonetheless, the homeowner has requested one final opportunity to submit a proposal to the lender. The proposal will be forthcoming within fourteen(14) days for the purpose of a final review by the plaintiff. In the event the proposal is not acceptable and the matter cannot otherwise be resolved, counsel for the plaintiff is granted leave to file a motion verifying the circumstances and requesting removal of this case from the conciliation program. June 21, 2013 Kevi . Hess, P.J. F_ /Nathan C. Wolf, Esquire c .a For the Plaintiff -a a MCO M r Ft-- /aime Haley, Esquire cnr N For the Defendant .rlm r� a o� MILSTEAD &ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff '; File: 9.18363 ; Nationstar Mortgage LLC f/k/a COURT OF COMMON PLE �-- Centex Home Equity Company,LLC, CUMBERLAND COUNTY ink X- + 1 No.: 13-1615 Civil z7c-s Plaintiff, X- Vs. i _{ co i Natalie A. Brosius, ' Defendant. PLAINTIFF'S PETITION TO REMOVE MATTER FROM THE RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM TO ALLOW PLAINTIFF TO PROCEED WITH MORTGAGE FORECLOSURE Plaintiff by and through its counsel, Patrick J. Wesner, Esquire respectfully requests that this Honorable Court enter an Order granting Plaintiff s Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program to Allow Plaintiff to Proceed with its Mortgage Foreclosure and in support thereof avers the following: 1. Plaintiff filed a Complaint in Mortgage Foreclosure, in the above captioned matter, on or about March 26, 2013. 2. A Request for Conciliation Conference was filed by the Defendant on April 29, 2013. 3. Conciliation Conference was scheduled and held on June 21, 2013. 4. On June 24, 2013 an Order was docketed wherein both parties agreed that borrower would be allowed one final opportunity to submit a proposal to the lender. If the proposal want not acceptable, Plaintiff is granted leave to file motion to remove from the conciliation program. See Order attached as Exhibit"A". 5. On June 26, 2013 a Denial Letter was sent to the borrower advised that Nationstar was unable to grant a modification. See denial letter attached as Exhibit`B". WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant Plaintiff's Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program, Allow Plaintiff to Proceed with Mortgage Foreclosure. Respectfully submitted, MILSTEAD AND ASSOCIATES, LLC i BY• Patrick J. Wesner, Esq it Exhl b�i 0 NATIONSTAR MORTGAGE LLC IN THE CURT OF COMMON PLEAS OF f/k/a CENTEX HOME EQUITY CUMBERLAND COUN'IY, PENNSYLVANIA COMPANY, LLC, : Plaintiff CIVIL ACTION—LAW NO. 13-1615 CIVIL vs. : NATALIE A.BROSIUS, Defendant MORTGAGE FORECLOSURE fN RE: CONCILIATION CONFERENCE Present at a conciliation conference held June 21,20 1 3, were Nathan Rolf,Esquire,local counsel for the plaintiff, and Jaime Haley,Esquirc,attorney for the defendant, There appear to bt;few options in this case and the bank is not inclined to entertain the notion of refinance. Nomtheless,the homeowner has requested one final opportunity to submi a proposal to the lender. The proposal will be forthcoming within fourteen(14)days for the purpose of a final review by the plaintiff. In the event the proposal is not acceptable and the matter cannot otherwise be resolved,counsel for the plainti(f is granted leave to file a motion verifying the circumstances and requesting removal of this case from the conciliation program. June 21,2013 Kevi . Hess,P.J. Nathan C. Wolf, Esquire. / For the Plaintiff s� Jairre Haley, Esquire For the D-.fendant x1m x N rY� gage i -Or s) REPRESENTATION OF PRINTED DOCUMENT I S 3c03 �nstarW 350 Highland le,TX7Drive Nati Lewisville,TX 75067 MORTGAGE txNbI14- June 26; 2013 `J June 26,2013 9.59274909000002 409-09-000-000-000-000 NATALIE BROSIUS 801 OLD SILVER SPRING RD Re: Request for Assistance MECHANICSBURG PA 17055-2883 Loan#. Property Address: 801 OLD SILVER SPRINGS ROAD MECHANICSBURG PA 17050 Dear NATALIE BROSIUS: This letter is to inform you that we have reviewed your request for assistance and are unable to grant your request at this time. The reasons we could not approve you for assistance are listed below: Negative NPV. The modification program requires a calculation of the net present value (NPV) of a modification using a formula. The NPV calculation requires us to input certain financial information about your income and your loan including the factors listed below.When combined with other data, these inputs estimate the cash flow the investor (owner) of your loan is likely to receive if the loan is modified and the investor's cash flow if the loan is not modified. Based on the NPV results the owner of your loan has not approved a modification. The NPV input values we used in your NPV evaluation are listed in the NPV Data Input Fields and Values chart in this letter. (see below) You have 30 calendar days from the date of this letter to provide us with written evidence that one or more of the NPV input values is inaccurate. If you wish to dispute more than one NPV input, you must provide us with the written evidence for each input being disputed at the same time. If your written evidence identifies material inaccuracies in the NPV input values,we will not conduct a foreclosure sale until the inaccuracies are reconciled. If you believe that the"Property Value" input used in the NPV evaluation differs from the fair market value of your home, you must provide us with a recent estimate of the property value and a reasonable basis for that estimate at the same time that you provide evidence of any other disputed NPV value inputs. We will then perform a test NPV using your estimated value. If the test provides an NPV positive outcome, you have the right to request that we obtain an appraisal to confirm the value of your home and use that appraised value to conduct a new NPV evaluation. The estimated cost of an appraisal in your community is $350.00. If you wish to exercise this option we must, within 30 calendar days of the date of this notice, receive a written request that includes your estimate of property value and a reasonable basis for that estimate, along with any other input values you wish to dispute, and a check for$200 as a deposit against the full cost of the appraisal. If the test NPV is negative we will notify you of that result.We will not order an appraisal and your deposit will applied to your account. If the test NPV is positive, we will order an appraisal and your account will be charged for the difference between your deposit and the actual cost of the appraisal whether or not any change in property value changes the NPV value. If your written evidence is valid and material to the NPV outcome, we will re-perform the NPV evaluation with the corrected input values. Fallowing the re-evaluation, we will provide you with the updated NPV outcome and input values. Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency indicated below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete,you have the right to dispute the matter with the reporting agency. DENL MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 9.18363 Nationstar Mortgage LLC f/k/a COURT OF COMMON PLEAS Centex Home Equity Company,LLC, CUMBERLAND COUNTY No.: 13-1615 Civil Plaintiff, Vs. Natalie A. Brosius, Defendant. CERTIFICATION OF SERVICE 1, Patrick J. Wesner, Esquire, hereby certify that I have caused to be served a copy of Plaintiff's Petition to Remove the Matter from the Residential Mortgage Foreclosure Diversion Program to Allow Plaintiff to Proceed with Mortgage Foreclosure, by United States first class �(Vl mail, postage pre-paid, on ��l�y `� , 2013, upon the following and addressed as follows: Jaime Haley,Esquire 401 East Louther Street Suite 103, Carlisle, PA, 17013 (717) 243-8026 ext. 2513 jhaley @midpenn.org Patrick J. Wesner, sq e IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA-CIVIL ACTION Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, No.: 13-1615 Civil Plaintiff, Vs. Natalie A. Brosius, Defendant. ORDER AND NOW to wit this .30— day of � t , 2013 it is hereby ORDERD and DECREED that this matter is removed from the Residential Mortgage Foreclosure Diversion Program and Plaintiff may proceed with its Mortgage Foreclosure. J. -3 F M _ FILED-OFFICE MILSTEAD&ASSOCIATES,LLC OF THE PROTHONOTARY BY:Patrick J.Wesner,Esquire ID No.203145 2013 001 -9 AM 11: 00 220 Lake Drive East,Suite 301 Cherry Hill,NJ 08002 CUMBERLAND COUNTY (856)482-1400 Attorney for Plaintiff PENNSYLVANIA Nationstar Mortgage LLC f/k/a Centex Home COURT OF COMMON PLEAS Equity Company,LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville,TX 75067, Plaintiff, No.: 13-1615 Civil Vs. Natalie A.Brosius 801 Old Silver Springs Road Mechanicsburg,PA 17055, Defendant PRAECIPE FOR JUDGMENT,IN REM,FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment,in rem, in favor of Plaintiff and against Natalie A.Brosius,Defendant,for failure to file an Answer on.Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged. premises,and assess Plaintiffs damages as follows: As set forth in Complaint $102,881.33 Interest 3/14/13 through 09/30/13 $1,077.36 TOTAL $103,958.69 I hereby certify that(1)the addresses of the Plaintiff and Defendant is as shown abov•.and(2)that notice has been given in accordance with Rule 237.1.copy attached. Patrick J.Wesner, . quire -/ Attorney for Plaintif' DAMAGES ARE HEREBY ASSESSED AS INDICATED . es► DATE: Q 1 CkI‘3 4 . PROTHONOTAR' °'*`\ 113 8 3S IF* 'acIUL2 D5 joAàjUa4/ F: MILSTEAD& ASSOCIATES, LLC BY: Patrick I. Wesner,Esquire ID No. 203145 220 Lake Drive Fast, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff Our file number: 9.18363 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, No.: 13-1615 Civil Vs. Natalie A. Brosius, Defendant TO: Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg PA 17055 DATE OF NOTICE: August 21,2013 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU [N AN AlTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten(10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should lake this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forh below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer,this office may be able to provide you with information about agencies that may offer legal services to eligible persons at a reduced fee or no fee. Page l of 3 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILSTEAD &ASSOCIATES, LLC i Wesner,i squire ID No. 203145 Attorney for Plaintiff/ 1 Page 2 of 3 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND-COUNTY PENNSYLVANIA-CIVIL ACTION Nationstar Mortgage LLC f/k/a Centex Horne Equity Company,LLC, No.: 13-1615 Civil Plaintiff, Vs. Natalie A. Brosius, Defendant. ORDER AND NOW to wit this 30% day of _ _ _ 2013 it is hereby ORDERD and DECREED that this matter is removed from the Residential Mortgage Foreclosure Diversion Program and Plaintiff may proceed with its Mortgage Foreclosure. 161 .-1618-) J. • (-) -0 a w c� fir" r- r r- —<> p r? i c7 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg,PA 17055 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, No.: 13-1615 Civil Vs. Natalie A.Brosius, Defendant NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceedi as in aced w. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: PATRICK J. WESNER, ESQ. #203145 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856) 482-1400 Attorney for Plaintiff File Number: 9.18363 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company, LLC, CUMBERLAND COUNTY Plaintiff, No.: 13-1615 Civil Vs. Natalie A. Brosius, Defendant VERIFICATION OF NON-MILITARY SERVICE Patrick J. Wesner, Esquire, hereby certifies that he is attorney for the Plaintiff in the above-captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendant is not in the Military or Naval Service of the United States or its Allies, and/or does not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant,Natalie A. Brosius, is over 18 years of age, . Date: 10 113 ■01111M. Patrick J. esnerisq ire Results as of:Oct-07-2013 11:43:26 Department of Defense Manpower Data Center SCRA 3.0 t Status Report • Pursuant to;Seririceinembers Civil Relief Act it Last Name: BROSIUS First Name: NATALIE Middle Name: Active Duty Status As Of: Oct-07-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA -. No t NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or HisMer Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No • NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center — 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 MILSTEAD &ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856)482-1400 Attorney for Plaintiff File No. 9.18363 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company,LLC CUMBERLAND COUNTY Plaintiff, No.: 13-1615 Civil Vs. CIVIL ACTION Natalie A. Brosius MORTGAGE FORECLOSURE Defendants CERTIFICATE OF SERVICE I, Patrick J. Wesner, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendant,Natalie A. Brosius on April 1, 2013 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit"A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities. trick- .seer, Esq °re $ Attorney for Plaintiff • k€L • SHERIFF'S OFFICE OF CUMBERLAND COUNTY • • Ronny R Anderson Soeriff r • titiitpm{ )aeGefl V'''6 Jody S Smith � 'f ..rig Chief Deputy C naC50-.;' Richard W Stewart Solicitor orfri Eol--THE.F,-RIFF Naticnstar Mortgage LLC Case Number vs. 2013-1615 Natalie A. Brosius SHERIFF'S RETURN OF SERVICE • • 04/01/2013 07:43 PM - Deputy Shawn Gutshall, being duly sworn according to law, served tha requested Notica of Residential Mortgage Foreclosure Diversion Program and Complaint in Morgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defencant, to wit: Natalie A. Brosius at 801 Old Silver Spring Road, Mechanicsburg Borough,'Mecha icsburg, PA 17055. ao 'UTSHALL, DEPUTY SHERIFF COST: $38-00 SO ANSWERS, April 02, 2013 RONNR ANDERSON, SHERIFF _ I ) - I is (c)CountySuileSheriH,ieleosoft,ho. MILSTEAD &ASSOCIATES, LLC BY: Robert W. Williams, Esquire 2 0V ID No. 315501 [� 220 Lake Drive East, Suite 301 ''L1MBERL ND CoU,,'},, Cherry Hill,NJ 08002 t'=ENNS`t'LVANI t (856)482-1400 Attorney for$laintiff File Number: 9.18363 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company, LLC, CUMBERLAND COUNTY Plaintiff, Vs. No.: 13-1615 Civil Natalie A. Brosius, Entry of Appearance Defendant(s). ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, in the above captioned matter. ,— L TEAD SSO IATES, LLC Robert W. Williams, Esquire Attorney ID No. 315501 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Nationstar Mortgage LLC f/k/a Centex Home CIVIL ACTION Equity Company, LLC, Plaintiff, ; NO.: 13-1615 Civil Vs. PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) Natalie A. Brosius, Defendant TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of Cumberland County; 2. Against the Defendant(s) in the above-captioned matter; 3. and index this writ against the Defendant(s) as follows: r Natalie A. Brosius -. c '- Real Property involved: 801 Old Silver Spring Road �: C�:, Mechanicsburg, PA 17050 Amount Due $103,958.69 Interest from 10/1/13 to Date of Sale at$5.36 per diem (6%) TOTAL (Costs to be added) Respectively submitted, 7�s ad Associat s, LLC DATE: R Bert W. Williams, Esquire Attorney for Plaintiff 220 Lake Drive East, Suite 301 l�vvr ' Cherry Hill,NJ 08002 So jA C11 ,9 i13�aZ AVgS ALL THAT CERTAIN UNIT IN THE PROPERTY KNOWN,NAMED AND IDENTIFIED IN THE DECLARATION REFERENCED TO BELOW AS "WALNUT VILLAS CONDOMINIUM" LOCATED IN THE BOROUGH OF MECHANICSBURG, COUNTY OF CUMBERLAND, COMMONWEALTH OF PENNSYLVANIA, WHICH HAS HERETOFORE BEEN SUBMITTED PURSUANT TO THE PROVISIONS OF THE PENNSYLVANIA UNIFORM CONDOMINIUM ACT, 68 PA. CONS. STAT.ANN. §§3101 ET.SEQ. (PURDON SUPP. 1987),BY THE RECORDING IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA, OF A DECLARATION OF CONDOMINIUM DATED JULY 30, 1985,ANDRECORDED ON AUGUST 14, 1985, IN MISCELLANEOUS BOOK VOL. 308,PAGE 147, WHICH DECLARATION HAS BEEN AMENDED BY A FIRST AMENDMENT TO DECLARATION OF CONDOMINIUM DATED DECEMBER 31, 1985, AND RECORDED ON DECEMBER 31, 1985, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 313,PAGE 133,AND FURTHER AMENDED BY A SECOND AMENDMENT TO DECLARATION OF CONDOMINIUM DATED MARCH 23, 1987,AND RECORDED ON MARCH 27, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 331,PAGE 933,AND FURTHER AMENDED BY A THIRD AMENDMENT TO DECLARATION OF CONDOMINIUM DATED JUNE 12, 1987,AND RECORDED ON JUNE 12, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 335,PAGE 283, AND FURTHER AMENDED BY A FOURTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED NOVEMBER 10, 1987,AND RECORDED ON NOVEMBER 30, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 343, PAGE 368,AND FURTHER AMENDED BY A FIFTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED APRIL 14, 1988,AND RECORDED ON APRIL 18, 1988, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 348,PAGE 868,BEING AND DESIGNATED IN SUCH DECLARATION,AS SO AMENDED,AS UNIT NO. 801 AS MOREFULLY DESCRIBED IN SUCH DECLARATION,AS SO AMENDED TOGETHER WITH A PROPORTIONATE UNDIVIDED INTEREST IN THE COMMON ELEMENTS OF SUCH CONDOMINIUM AS SET FORTH IN SUCH DECLARATION AS SO AMENDED AND AS FURTHER AMENDED BY ANY FURTHER AMENDMENTS THERETO HEREAFTER RECORDED IN THE AFORESAID OFFICE. UNDER AND SUBJECT TO ANY AND ALL COVENANTS, CONDITIONS RESTRICTIONS,RIGHTS-OF-WAY,EASEMENTS AND AGREEMENTS OF RECORD, INCLUDING(BUT NOT LIMITED TO)THOSE CONTAINED IN THE INSTRUMENTS RECORDED IN THE AFORESAID OFFICE 1NMISCELLANEOUS BOOK VOL. 304,PAGE 227,AND MISCELLANEOUS BOOK VOL. 304,PAGE 566 Title to said Premises vested in Natalie A. Brosius by Deed from Christopher D. Cremo and Susan M. Cremo, Husband and Wife, dated 6/14/2004 and recorded on 6/21/2004 in the Cumberland County Recorder of Deeds in Book 263, Page 3219. Being known as 801 Old Silver Spring Road,Mechanicsburg, PA 17050 Tax Parcel Number: 18-22-0519-OO1B-U-G801 MI STEAD&ASSOCIATES, LLC BY: Robert W. Williams,Esquire ID No. 315501 E'Ftt 1�it `ja 220 Lake Drive East, Suite 301 _H Cherry Hill,NJ 08002 All /I: �. (856)482-1400 Attorney for Plaintiff PENNSYLVANIA' YLVANIA i! File Number: 9.18363 Nationstar Mortgage LLC f/k/a Centex Home COURT OF COMMON PLEAS Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, Vs. No.: 13-1615 Civil Natalie A.Brosius, AFFIDAVIT OF SERVICE Defendant PURSUANT TO RULE 3129.1 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 801 Old Silver Spring Road, Mechanicsburg, PA 17050: 1. Name and address of Owners(s) or Reputed Owner(s): Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (Plaintiff herein) 350 Highland Drive Lewisville, TX 75067 4. Name and Address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (Plaintiff herein) 350 Highland Drive Lewisville, TX 75067 5. Name and address of every other person who has any record lien on the property: Borough of Mechanicsburg Walnut Villas/Mechanicsburg c/o David J. Spotts, Esquire c/o Property Management 36 West Allen Street PO Box 622 Mechanicsburg, PA 17055 Lemoyne, PA 17043 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Department of Domestic Relations 801 Old Silver Spring Road Cumberland County Courthouse Mechanicsburg, PA 17050 13 N. Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare Walnut Villas/Mechanicsburg P.O. Box 2675 921 Old Silver Spring Road Harrisburg, PA 17105 Mechanicsburg, PA 17055 Mechanicsburg Borough Tax Office Cumberland County Tax Bureau 605 Somerset Drive 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17055 Mechanicsburg, PA 17050 Mechanicsburg Area School District 100 E. Elmwood Avenue, 2nd Floor Mechanicsburg, PA 17055 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. Uobert W. Williams, Esquire Attorney for Plaintiff Date: ��./� f ,� `,_�A0 MILSTEAD & ASSOCIATES, LLC BY. Robert W. Williams, Esquire f;r ID No. 315501 220 Lake Drive East, Suite 301 '?; � I , Cherry Hill,NJ 08002 °t: d'aS y ��+n,+ � `T;�' (856)482-1400 Attorney for Plamtif-i'1A File Number: 9.18363 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, No.: 13-1615 Civil Vs. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT Natalie A. Brosius, TO PA.R.C.P.3129 Defendant ' TAKE NOTICE: Your house (real estate) at 801 Old Silver Spring Road, Mechanicsburg, PA 17050, is scheduled to be sold at sheriff's sale on March 5, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of$103,958.69 obtained by Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead&Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one,the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead& Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong)are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 9.18363 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S) Natalie A. Brosius PLAINTIFF/SELLER: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC DEFENDANT(S): Natalie A. Brosius PROPERTY: 801 Old Silver Spring Road Mechanicsburg, PA 17050 (Improvements erected thereon) JUDGMENT AMOUNT: $103,958.69 CUMBERLAND COUNTY No.: 13-1615 Civil The above captioned property is scheduled to be sold at Sheriff's Sale on March 5,2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. Sincerely obert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC Woodland Falls Corporate Park 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 9.18363 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-1615 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NATIONSTAR MORTGAGE LLC F/K/A CENTEX HOME EQUITY COMPANY,LLC Plaintiff(s) From NATALIE A. BROSIUS (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof, (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $103,958.(,? L.L.: $.50 Interest FROM 1011113 TO DATE OF SALE AT$5.36 PER DIEM(6%) Atty's Comm: Due Prothy: $2.25 Atty Paid: $186.75 Other Costs: Plaintiff Paid: Date: 11/6/13 David D. B ell, Prothonota (Seal) Deputy REQUESTING PARTY: Name: ROBERT W. WILLIAMS,ESQUIRE Address: MILSTEAD&ASSOCIATES, LLC 220 LAKE DRIVE EAST,SUITE 301 CHERRY HILL,NJ 08002 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No.315501 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File No. 9.18363 f rjsCR 1 / PEN/is YC VANIA COUNTY' �A Nationstar Mortgage LLC f/k/a Centex Home ; COURT OF COMMON PLEAS Equity Company, LLC, ; CUMBERLAND COUNTY Plaintiff, vs. Natalie A. Brosius Defendant No.: 13-1615 Civil AFFIDAVIT PURSUANT TO Pa.R.C.P. 3129.2 I, Robert W. Williams, Esquire, say: 1. On January 9, 2014, a copy of the Notice of Sheriffs Sale of Real Property was served upon the defendant, Natalie A. Brosius, by the Sheriffs Office of Cumberland County. Copy of the Sheriff's return is attached hereto and made a part hereof as Exhibit "A". 2. On February 18, 2014, a notice of Sheriffs Sale was served upon lien holders of record and interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and made a part hereof as Exhibit "B". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. Dated: May, 2014 rIbikik2latikliwAtmv Ro.ert W. Williams, Esquire Attorney ID No. 315501 Milstead and Associates, LLC EXHIBIT "A" Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY i ;C21-: J( Nationstar Mortgage LLC vs. Natalie A. Brosius Case Number 2013-1615 SHERIFF'S RETURN OF SERVICE 01/09/2014 11:02 AM - Deputy Ronald Hoover, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 801 Old Silver Spring Road, Mechanicsburg Borough, Mechanicsburg, PA 17050, Cumberland County. 01/09/2014 11:02 AM - Deputy Ronald Hoover, being duly swom according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Natalie A. Brosius at 801 Old Silver Spring Road, Mechanicsburg Borough, Mechanicsburg, PA 17055, Cumberland County. SHERIFF COST: $954.21 SO ANSWERS, January 29, 2014 (c) CountySuite Sheriff, Teleo=_oft, Inc. RONNY R ANDERSON, SHERIFF EXHIBIT "B" NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPROPIATE BLOCK FO MILSTEAD & ASSOCIATES, LLC 1 East Stow Road Marlton, NJ 08053 X Certificate Mailing 0 Insured 0 COD 0 Certified Mail Registered Mail: ❑ Wi 0 WI t' y^ Sc.�'w ="w, D ka p I s j ��kd � ,�' r rt4"7- 7 r r X 003171066 KE..i7 Affix stamp —^"1"" r 1 r .0 � ,�mF.e`.dv�? P Fc -MM here ... t.,...a.;;.;_ rk fir,. `" xer muem• ZIP if issued ....: , ,,,4 r soxva��1:%xF % t' r 3 41 FE.L3. 11 C. r•E as certificate of " ........._ _..his bill. Line Number of Article Name of Addressee, Street, and Post -Office Address Postage 9 Fee Handling 9 Charge Ar Val (if Re zw,,utri rr, Fee ,g r+r'W§h•g; (S 1 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067tJt f ., ::01.+ In 8053 2 Borough of Mechanicsburg elo David J. Spotts, Esquire 36 West Allen Street Mechanicsburg, PA 17055 3 Walnut Villas/Mechanicsburg c/o Property Management PO Box 622 Lemoyne, PA 17043 J• 4 Tenant/Occupant 801 Old Silver Spring P 8 Road Mechanicsburg, PA 17050 e w:3 :, sj 1 - = ; , ... � ' 1 5 Commonwealth of Pennsylvania• Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 ,za ,', =" ,' mss>. " 'h',': '"` %i 4r ., , i' / 6 Mechanicsburg Borough Tax Office 605 Somerset Drive Mechanicsburg, PA 17055 , 7 Mechanicsburg Area School District 100 E. Elmwood Avenue, 2nd Floor Mechanicsburg, PA 17055 8 Department of Domestic Relations Cumberland County Courthouse 13 N. Hanover Street Carlisle, PA 17013 9 Walnut Villas/Mechanicsburg 921 Old Silver Spring Road Mechanicsburg, PA 17055 Cumberland County Tax Bureau 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 10 Total Number of Pieces Listed by Sender 10 C.: -/nonnegotiable e-) POSTMASTER, PER (Name of receiving employee The full declaration of value is required on all domestic and International registered mail. The maximum indemnity payable for documents under Express Mall document reconstruction insurance is $50,000 per piece subject to a limit of $50,000 per occurrence. The maximum indemnity payable on Express Mail merchandise insurance is $500. The maximum indemnity payable is $25,000 for Registered Mall, $500 for COD and $500 for Insured Mail. Special handling charges apply only to Third- and Fourth -Class parcels. Special delivery service also includes special handling service. 9.18363/Brosius Notice of Sale RR G E ED, INSURED, C,O,D„ CERTIFIED, AND EXPRESS MAIL MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File: 9.18363 i 110; Ff1 3: �. CU,i &ERL NO COUNT'r PENNSYLVANIA IA s Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff, Vs. Natalie A. Brosius, Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 13-1615 Civil Pa. R.C.P. 3129.3 (b)(2)(i)(A) Notice of Continued Sheriff's Sale Notice of Continued Sheriff's Sale The Sheriff's Sale scheduled for June 4, 2014, at 10:00 A.M. in the above -captioned matter has been continued until July 2, 2014, at 1 Dated: 0 A.M. R bert W. Williams, Esq. Att rney ID No. 315501 Milstead & Associates, LLC THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net NATIONSTAR MORTGAGE LLC f/k/a CENTEX HOME EQUITY COMPANY, LLC Vs. NO 13-1615 Civil Term CIVIL ACTION - LAW NATALIE A. BROSIUS WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due. /103,958.69 L.L.: Interest FROM 10/1/13 TO DATE OF SALE AT $5.36 PER DIEM (6%) Atty's Comm: Atty Paid: $215.25 Plaintiff Paid: Date: 7/30/14 (Seal) REQUESTING PARTY: Name: ROBERT W. WILLIAMS, ESQUIRE Address: MILSTEAD & ASSOCIATES, LLC 1 EAST STOW ROAD MARLTON, NJ 08053 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. PLAINTIFF Due Prothy: $2.25 Other Costs: David D. B ell, Prothonotary Deputy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Nationstar Mortgage LLC CIVIL ACTION f/k/a Centex Home Equity Company, LLC Plaintiff, ; NO.: 13-1615 Civil vs. PRAECIPE FOR WRIT OF EXECUTION Natalie A. Brosius (Mortgage Foreclosure) Defendant TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of Cumberland County; 2. Against the Defendant(s) in the above -captioned matter; 3. and index this writ against the Defendant(s) as follows: Natalie A. Brosius Real Property involved: 801 Old Silver Spring Road Mechanicsburg, PA 17050 Amount Due Interest from 10/1/13 to Date of Sale at $5.36 per diem (6%) TOTAL (Costs to be added) a' 3(a.) a� 16PL-)S IL I b . S6<< �. aS.S $103,958.69 Respectively submitted, Milstead & Associates, LLC Robert' W. Williams, Esquire Attorney for Plaintiff 1 East Stow Road Marlton, NJ 08053 a. s_ '- a). C7 r— w Co LA/3scq6 j "N)°In a Wet W/212-s-fre, ALL THAT CERTAIN UNIT IN THE PROPERTY KNOWN, NAMED AND IDENTIFIED IN THE DECLARATION REFERENCED TO BELOW AS "WALNUT VILLAS CONDOMINIUM" LOCATED IN THE BOROUGH OF MECHANICSBURG, COUNTY OF CUMBERLAND, COMMONWEALTH OF PENNSYLVANIA, WHICH HAS HERETOFORE BEEN SUBMITTED PURSUANT TO THE PROVISIONS OF THE PENNSYLVANIA UNIFORM CONDOMINIUM ACT, 68 PA. CONS. STAT. ANN. §§3101 ET.SEQ. (PURDON SUPP. 1987), BY THE RECORDING IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA, OF A DECLARATION OF CONDOMINIUM DATED JULY 30, 1985, ANDRECORDED ON AUGUST 14, 1985, IN MISCELLANEOUS BOOK VOL. 308, PAGE 147, WHICH DECLARATION HAS BEEN AMENDED BY A FIRST AMENDMENT TO DECLARATION OF CONDOMINIUM DATED DECEMBER 31, 1985, AND RECORDED ON DECEMBER 31, 1985, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 313, PAGE 133, AND FURTHER AMENDED BY A SECOND AMENDMENT TO DECLARATION OF CONDOMINIUM DATED MARCH 23, 1987, AND RECORDED ON MARCH 27, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 331, PAGE 933, AND FURTHER AMENDED BY A THIRD AMENDMENT TO DECLARATION OF CONDOMINIUM DATED JUNE 12, 1987, AND RECORDED ON JUNE 12, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 335, PAGE 283, AND FURTHER AMENDED BY A FOURTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED NOVEMBER 10, 1987, AND RECORDED ON NOVEMBER 30, 1987, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 343, PAGE 368, AND FURTHER AMENDED BY A FIFTH AMENDMENT TO DECLARATION OF CONDOMINIUM DATED APRIL, 14, 1988, AND RECORDED ON APRIL 18, 1988, IN THE AFORESAID OFFICE AT MISCELLANEOUS BOOK 348, PAGE 868, BEING AND DESIGNATED IN SUCH DECLARATION, AS SO AMENDED, AS UNIT NO. 801 AS MOREFULLY DESCRIBED IN SUCH DECLARATION, AS SO AMENDED TOGETHER WITH A PROPORTIONATE UNDIVIDED INTEREST IN THE COMMON ELEMENTS OF SUCH CONDOMINIUM AS SET FORTH IN SUCH DECLARATION AS SO AMENDED AND AS FURTHER AMENDED BY ANY FURTHER AMENDMENTS THERETO HEREAFTER RECORDED IN THE AFORESAID OFFICE. UNDER AND SUBJECT TO ANY AND ALL COVENANTS, CONDITIONS RESTRICTIONS, RIGHTS-OF-WAY, EASEMENTS AND AGREEMENTS OF RECORD, INCLUDING (BUT NOT LIMITED TO) THOSE CONTAINED IN THE INSTRUMENTS RECORDED IN THE AFORESAID OFFICE INMISCELLANEOUS BOOK VOL. 304, PAGE 227, AND MISCELLANEOUS BOOK VOL. 304, PAGE 566 Title to said Premises vested in Natalie A. Brosius by Deed from Christopher D. Cremo and Susan M. Cremo, Husband and Wife, dated 6/14/2004 and recorded on 6/21/2004 in the Cumberland County Recorder of Deeds in Book 263, Page 3219. Being known as 801 Old Silver Spring Road, Mechanicsburg, PA 17050 Tax Parcel Number: 18 -22 -0519 -001B -U -G801 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 East Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.18363 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, vs. 2814 'Ilk 30 4/111: P NNSCA�� 1�T N IY COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 13-1615 Civil Natalie A. Brosius AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 Defendant Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 801 Old Silver Spring Road, Mechanicsburg, PA 17050: 1. Name and address of Owners(s) or Reputed Owner(s): Natalie A. Brosius 801 Old Silver Springs Road Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real . property to be sold: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (Plaintiff herein) 350 Highland Drive Lewisville, TX 75067 4. Name and Address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (Plaintiff herein) 350 Highland Drive Lewisville, TX 75067 5. Name and address of every other person who has any record lien on the property: Borough of Mechanicsburg c/o David J. Spotts, Esquire 36 West Allen Street Mechanicsburg, PA 17055 Walnut Villas/Mechanicsburg c/o Property Management PO Box 622 Lemoyne, PA 17043 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant 801 Old Silver Spring Road Mechanicsburg, PA 17050 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 Mechanicsburg Borough Tax Office 605 Somerset Drive Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue, 2nd Floor Mechanicsburg, PA 17055 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 Walnut Villas/Mechanicsburg 921 Old Silver Spring Road Mechanicsburg, PA 17055 Cumberland County Tax Bureau 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: 1 Kg 1105V1 ,n\ 141% Rob rt W. Williams, Esquire Attorney for Plaintiff NOTICE OF SHERIFF'S SALE • OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S) Natalie A. Brosius PLAINTIFF/SELLER: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC DEFENDANT(S): Natalie A. Brosius PROPERTY: 801 Old Silver Spring Road Mechanicsburg, PA 17050 (Improvements erected thereon) JUDGMENT AMOUNT: $103,958.69 CUMBERLAND COUNTY No.: 13-1615 Civil The above captioned property is scheduled to be sold at Sheriffs Sale on December 3, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. 9.18363 Sincerely, Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 East Stow Road Marlton, NJ 08053 rn r p r ---- 6C7 CJ -fes r MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 East Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.18363 FILED -OF. le,a" "HE PRO T HONO TA 2014 JUL 30 41111: 39 CUNBERL PENNS YLVANIq l Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, vs. Natalie A. Brosius Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 13-1615 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 TAKE NOTICE: Your house (real estate) at 801 Old Silver Spring Road, Mechanicsburg, PA 17050, is scheduled to be sold at sheriffs sale on December 3, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $103,958.69 obtained by Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFFS SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened, you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE, THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 �' SHERxF -bs OFFICE OF CUMBERLAND UMBERAND �. ^��,�/i_c� ��R YD T A U/i o T�/ , Ronny R Anderson . P��° v/ ` CUMBERLAND [O~ 'TySheriff �/r�4�U�G�2y8�yAp#N/A7/ / 9m��Cm��«m, `/^ "Jody S Smith � Chief Deputy Richard �� 1..--,f,,-.7.',--- Solicitor ��oam'r* $/EmFp Nationstar Mortgage LLC Case Number vs. 2013-1615 Natalie A. Brosius SHERIFF'S RETURN OF SERVICE 01/09/2014 11:02 AM- Deputy Ronald Hoover, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Wr , Notice and Description, and Sale Handbill in the above titled action, upon the property located at 801 Old Silver Spring Road, Mechanicsburg Borough, Mechanicsburg, PA 17050. Cumberland County. 81/09/2014 11:02 AM -Deputy Ronald Hoover, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Natalie A. Brosius at 801 Old Silver Spring Road, MechaniCsburg Borough, Mechanicsburg, PA 17055, Cumberland County. 03/11/2014 As directed by Patrick J. Wesner, Attorney for the Plaintiff, Sheriffs Sale Continued to 6/4/2014 06/84/2014 As directed by Patrick J. Wesner, Attorney for the Plaintiff, Sheriffs Sale Continued to 7/2/2014 07/01/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $1.520.59 . SO ANSWERS, ig K August 25, 2014 RONNYRANDERSON, SHERIFF ~� �^�' �� =`�=-�, "+i. ti4. . 0 EL^/ _^�� ' �� 0�iv 97717\ �� '� �� *� ' �x �� , � (c)o"=wv"�on",vf,r"/°"sotInc LXIII 4 CUMBERLAND LAW JOURNAL 01/24/14 Writ No. 2013-1615 Civil Term Miscellaneous Book 348, Page 868, being and designated in such Decla- Nationstar Mortgage LLC ration, as so amended, as Unit No. vs. 801 as morefully described in such Declaration,as so amended together Natalie A. Brosius with a proportionate undivided inter- Atty.: Patrick J.Wesner est in the common elements of such ALL THAT CERTAIN unit in the condominium as set forth in such property known, named and identi- Declaration as so amended and as fled in the declaration referenced to further amended by any further below as "Walnut Villas Condomin- amendments thereto hereafter re- ium" located in the Borough of Me- corded in the aforesaid office. chanicsburg,County of Cumberland, UNDER AND SUBJECT to any Commonwealth of Pennsylvania, and all covenants,conditions restric- which has heretofore been submitied tons, rights-of-way, easements and pursuant to the provisions of the agreements of record,including(but Pennsylvania Uniform Condominium not limited to)those contained in the Act,68 Pa. Cons. Stat.Ann. 993101 instruments recorded in the aforesaid et.seq. (Purdon Supp. 1987), by the office in Miscellaneous Book Vol. recording in the office of the Recorder 304, Page 227, and Miscellaneous of Deeds of Cumberland County, BookVol. 304, Page 566. Pennsylvania, of a Declaration of Title to said Premises vested in Condominium dated July 30,1985, Natalie A. Brosius by Deed from andrecorded on August 14, 1985,in Christopher D. Cremo and Su- Miscellaneous Book Vol. 308, Page san M. Cremo, Husband and Wife, 147, which Declaration has been dated 6/14/2004 and recorded amended by a First Amendment to on 6/21/2004 in the Cumberland Declaration of Condominium dated County Recorder of Deeds in Book December 31, 1985,and recorded on 263,Page 3219. December 31, 1985,in the aforesaid Being known as 801 Old Silver office at Miscellaneous Book 313, Spring Road, Mechanicsburg, PA Page 133,and further amended by a 17050. Second Amendment to Declaration of Tax Parcel Number: 18-22-0519- Condominium dated March 23,1987, 001B-U-G801. and recorded on March 27, 1987,in the aforesaid office at Miscellaneous Book 331, Page 933, and further amended by a Third Amendment to Declaration of Condominium dated June 12, 1987,and recorded on June 12, 1987, in the aforesaid office at Miscellaneous Book 335, Page 283, and further amended by a Fourth Amendment to Declaration of Con- dominium dated November 10, 1987, and recorded on November 30, 1987, in the aforesaid office at Miscella- neous Book 343,Page 368, and fur- ther amended by a Fifth Amendment to Declaration of Condominium dated April 14, 1988,and recorded on April 18, 1988, in the aforesaid office at 19 ,.. i . i . PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : : ss. COUNTY OF CUMBERLAND : I , Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 24, January 31, and February 7, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. )11‘;‘,._, Lisa Marie Coyne, ditor SWORN TO AND SUBSCRIBED before me this 7 da of February, 2014 40.,.„-.6.../' /( ,, /• ..,.. , Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 28,2014 Pat�ot-Ne��sC�� • ^ N� patriot*xcws�� you �� Mechanicsburg, PA 17050 n�=, .. know .. Inquiries - 717-255-8213 • CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE •CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 CmmmunvvealthofPennsykmnio. CountyofDauphinl ss Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or 8undax/ConnrnunityVVaeNyadiUonovvhiohappeared onthe datm/o> indicated below. That neither she nor said ��omponyisinterested inthe subject matter ofsaid printed notice oradvertising, and that all ofthe allegations ofthis statement ao to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. This ad ran on the date(s)shown below: mm 2013-1615 Civil Term ationstar Mortgage 01119/14 Vs � Vs 01/26/14 � Natalie A.Brosius u� Atty:Patrick J.Wesner Nm ' .^ ^ 02/02/14�02/02/14� OD ALL THAT CERTAIN UNIT' IN THE PROPERTY KNOWN,I NAMED AND IDENTIFIED IN Id THE DECLARATION REFERENCED TO BELOW Sworn 0 an' subscribed before 18day ofFabruary. 2U14A.D. AS "WALNUT VILLAS � k CONDOMINIUM" LOCATED IN ; �� I , �� THE BOROUGH OF ^��N� �� ~� �� 8 C 8 & N l C S B D D 8 '� --'--- --- Nota Public ' l) COUNTY OF ~~~~ '.~.." u COMMONWEALTH OF � eEpN5YD0Q«u�v�{nCaHAS ` OF PENNSYLVANIA HERETOFORE BEEN ' , ^""~ . Notarial Seal ^^~~ ' '- ' Holly Lynn Warfel,Not3ry Public THE PROVISIONS 0F zue � Washington Twp.,Dauphin County { PENNSYLVANIA UNIFORM My Commission Expires Dec.12,2016 MVOWk, . ncmm�pawexmmmxmsaxzx�owormon«oss . MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File No. 9.18363 Nationstar Mortgage LLC f/k/a Centex Home ; COURT OF COMMON PLEAS Equity Company, LLC, CUMBERLAND COUNTY Plaintiff, vs. No.: 13-1615 Civil Natalie A. Brosius ; AFFIDAVIT PURSUANT TO Pa.R.C.P. 3129.2 Defendant I, Robert W. Williams, Esquire, say: 1. On August 14, 2014, a copy of the Notice of Sheriffs Sale of Real Property was served upon the defendant, Natalie A. Brosius, by certified mail, return receipt requested. Copies of the signed certified cards are attached hereto and made a part hereof as Exhibit "A". 2. On October 16, 2014, a notice of Sheriffs Sale was served upon lien holders of record and interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and made a part hereof as Exhibit "B". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. Ro ert W. Williams, Esquire Attorney ID No. 315501 Milstead and Associates, LLC Dated: October\, 2014 EXHIBIT "A" 2. Article Number i i i D i 9414 7266 9904 2000 4891 8? 3. Service Type CERTIFIED MAIL® 4. Restricted Delivery? (Extra Fee} l [Yes 1. Article Addressed to: Natalie A. Brosius 80101d Silver Springs Road Mechanicsburg, PA 17055 COMPLETE THIS SECTION ON DELIVERY • A. Received by (Please Prinl Clearly) B. Date of Delivery C. Signature Xi Cr. Is delivery a• . ress different frdcaflerp,#� II YES, enter delivery addreiS,beI #i L` ❑ No Reference Information 9.18353/NOS JSC PS Form 3811. January 2005 Domestic Return Receipt Michael J. Milstead, Esq. Richard M.1vllstead, Esq. Nelson Diaz, Esq. PA & NJ Mary L. Harbert -Bell, Esq. PA & NJ Patrick J. Wesner, Esq. PA & NJ Mark E. Herrera, Esq. PA & NJ Ryan A Gower, Esq. PA & NJ Whitney E. Weinlein, Esq. NJ Lisa Ann Thomas Sr. Foreclosure Administrator MILSTEAD & ASSOCIATES, LLC Attorneys at Law Woodland Falls Corporate Park 220 Lake Drive East, Suite 301 Cherry Hill, New Jersey 08002 1'hL (856) 482-1400 FAX (856) 482-9190 www.milsteadlaw.com Postmaster Mechanicsburg, PA 17055 Pennsylvania Location: The Pavilion — Suite 503 261 Old York Road Jenkintown, PA 19046 Phone: (215) 572-8600 Fax: (215) 572-7838 Our File No. 9.18363 March 4, 2013 Request for Change of Address or Boxholder Information Needed for Service of Legal Process Please furnish the new address or the name and street address (if a boxholder) for the following: Name: Natalie A. Brosius Address: 801 Old Silver Springs Road, Mechanicsburg, PA 17055 NOTE: The name and last known address are required for change of address information. The name, if known, and post office box address as required for boxholder information. The Following information is provided in accordance with 39 CFR 265.6(d) (6) (ii). There is no fee for providing boxholder information. The fee for providing change of address information is waived in accordance with 39 CFR 265.6(d) (1) and (2) and corresponding Administrative Support Manual352.44a and b. 1. Capacity of requester: Attorney 2. Statue or regulation that empowers me to serve process: N/A 3. The names of all known parties to the litigation: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC vs. Natalie A. Brosius 4. The court in which the case has been or will be heard: Cumberland 5. The docket or other identifying number if one has been issued: 6. The capacity in which this individual is to be served: Defendant WARNING THE SUBMISSION OF FALSE INFORMATION EITHER (1) TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALI IES INCLUDING A FINE OF UP TO $10,000 OR IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.C. SECTION 1001). I certify that the above information is true and that the address information is needed and will be used solely for service of legal process in connection with actual or prospective litigation. S19 Patrick J. Wesner, Esquire Woodland Falls Corporate Park 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 No change of address order on file. Not known at address given. Moved, left no forwarding address. No such address. FOR POST OFFICE USE ONLY NEW ADDRESS or BOXHOLDER'S NAME and STREET ADDRESS POSTMARK EXHIBIT "B" NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPR MILSTEAD & ASSOCIATES, LLC 1 East Stow Road Marlton, NJ 08053 X .Certificate Mailing 0 Insured 0 COD 0 Certified Mall Registered Mall: 0 With Post& 0 Without Po I Affix stamp here if issued as certificate of mailing or for additional copies of this bill. 000%, Line Number of Article Name of Addressee, Street, and Postage Fee Handling Act. I 0 t'i lei. Fee Post -Office Address Charge Value (If Regis.) 1 , • , ti .:4- z P x _ ;. arks 1 Nationstar Mortgage I..LC f/k/a,.;e NE se � Centex Home Equity Company, LLC •�., 02 'I P 004.700 (Plaintiff herein) : 001131 71 068 OCT 1 6 2014 350 Highland Drive Lewisville, TX 75067 e NIA ILED FROMIP CODE 0 80 53 2 Borough of Mechanicsburg do David J. Spotts, Esquire . . 36 West Allen Street Mechanicsburg, PA 17055 3 Walnut Villas/Mechanicsburg do Property Management PO Box 622 Lemoyne, PA 17043 -,\1I,1,1'11-,'':, 4 Tenant/Occupant ,s= -.;.•`x 801 Old Silver Spring Road ` f Mechanicsburg, PA 17050 5 Commonwealth of Pennsylvania I.. Department of Welfare L P.O. Box 2675 , v.% . -, _:: `,+ Harrisburg, PA 17105 \4e,'.— 6 Mechanicsburg Borough Tax Office ' __ 605 Somerset Drive Mechanicsburg, PA 17055 7 Mechanicsburg Area School District 100 E. Elmwood Avenue, 2nd Floor Mechanicsburg, PA 17055 8 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 9 Walnut Villas/Mechanicsburg 921 Old Silver Spring Road Mechanicsburg, PA 17055 10 Cumberland County Tax Bureau _ 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 Total Number of Pieces Listed by POSTMASTER, PER The full declaration of value Is required on all domestic and Sender (Name of receiving employee) international registered mail. The maximum indemnity payable for nonnegotiable documents under Express Mail document reconstruction insurance is $50,000 per piece subject to a limit of 10 $50,000 per occurrence. The maximum indemnity payable on Y J� Ojj.Eress ' Mail merchandise insurance is $500. The maximum indemnity payable is $25,000 for Registered Mail, $500 for COD and $500 for insured Mali. Special handling charges apply only to Third- and Fourth -Class parcels. Special delivery service also __ ___ __ Includes special handling service. Page 1 of 1 'itf ie s1I roslus Notice of sale FOR REGISTERED, INSURED, C.O.D., CERTIFIED, AND EXPRESS MAIL SALE SCHEDULED 12/3 Ronny R Anderson .Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY •i.r�' f,fiL.. THE PRD: y ot :traraltle, •20JItCEC -5 PH 3:.W CUMSERL A D COUNTY, PENNSYLVANIA Nationstar Mortgage LLC vs. Natalie A. Brosius Case Number 2013-1615 SHERIFF'S RETURN OF SERVICE 09/26/2014 12:46 PM - Deputy Jeff Kolodzi, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 801 Old Silver Spring Road; Mechanicsburg - Borough, Mechanicsburg, PA 17050, Cumberland County. 09/26/2014 12:46 PM Deputy Jeff Kolodzi, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Natalie A. Brosius at 801 Old Silver Spring. Road, Mechanicsburg Borough, Mechanicsburg, PA 17055, Cumberland County. 12/02/2014 As directed by Patrick J. Wesner, Attorney for the Plaintiff, Sheriffs Sale Continued to 2/4/2015 12/04/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $1,500.00 SO ANSWERS, December 05, 2014 RONN R ANDERSON, SHERIFF s) CountvSu:,e Sheriff. i eleosef;. !nc. c?• : v� , ,/ S7 99 Asi 3 /�� THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net NATIONSTAR MORTGAGE LLC f/k/a CENTEX HOME EQUITY COMPANY, LLC Vs. N0 13-1615 Civil Term CIVIL ACTION — LAW NATALIE A. BROSIUS WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: t 103,958.69 L.L.: Interest FROM 10/1/13 TO DATE OF SALE AT $5.36 PER DIEM (6%) Atty's Comm: Atty Paid: $215.25 Plaintiff Paid: Date: 7/30/14 (Seal) REQUESTING PARTY: Name: ROBERT W. WILLIAMS, ESQUIRE Address: MILSTEAD & ASSOCIATES, LLC 1 EAST STOW ROAD MARLTON, NJ 08053 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. PLAINTIFF Due Prothy: $2.25 Other Costs: David D. Buell, Prothonotary Deputy TRUE COPY FROM RECORD In Testimony whereof, I here unto set my hand and the seal of said Court at Carlisle, Pa. This 3Oday of _ , 20 Prothonotary // LXIII 42 CUMBERLAND LAW JOURNAL 10/17/14 Writ No. 2013-1615 Civil Term • Nationstar Mortgage LLC vs. • Natalie A. Brosius Atty.: Patrick J. Wesner • ALL THAT CERTAIN unit in the property known, named and identi- fied in the Declaration referenced to below as "Walnut Villas Condomin- ium" located in the Borough of Me- chanicsburg, County of Cumberland, Commonwealth of. Pennsylvania, which has heretofore been submit- ted pursuant to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa. Cons. Stat. Ann. 3101 et.seq. (Purdon Supp. 1987), by the recording in the Office of the Recorder of Deeds of Cumberland County, Pennsylv anja, of a Declaration of Condominium dated July 30,1985, andrecorded on August 14, 1985, in Miscellaneous Book Vol. 308, Page 147, which Declaration has been amended by a First Amendment to Declaration of Condominium dated December 31, 1985, and recorded on December 31, 1985, in the aforesaid office at Miscellaneous Book 313, Page 133, and further amended by a Second Amendment to Declaration of Condominium dated March 23, 1987, and recorded on March 27,1987, in the aforesaid office at Miscellaneous Book 331, Page 933, and further amended by a Third Amendment to Declaration of Condominium dated June 12, 1987, and recorded on June 12, 1987, in the aforesaid office at Miscellaneous Book 335, Page 283, and further amended by a Fourth Amendment to Declaration of Con- dominium dated November 10, 1987, and recorded on November 30, 1987, in the aforesaid office at Miscella- neous Book 343, Page 368;.and fur- ther amended by a Fifth Amendment to Declaration of Condominium dated April 14, 1988, and recorded on April 18, 1988, in the aforesaid office 'at 29 Miscellaneous Book 348, Page 868, being and designated in such Decla- ration, as so amended, as Unit No. 801 as morefully .described in such Declaration, as so amended together with a. proportionate undivided inter- est in the common elements of such condominium as set forth in such declaration as so ,amended and as further amended by any further amendments thereto hereafter re- corded in the aforesaid office. UNDER AND SUBJECT to any and all covenants, conditions restric- tions, rights-of-way, easements and agreements of record, including (but not limited to) those contained in the instruments recorded in the aforesaid office inMiscellaneous Book Vol. 304, Page 227, and Miscellaneous Book Vol. 304, Page 566. TITLE TO SAID PREMISES vested in Natalie A. Brosius by Deed from Christopher D. Cremo and Su- san M. Cremo, Husband and Wife, dated 6/14/2004 and recorded on 6/21/2004 in the Cumberland County Recorder of Deeds in Book 263, Page 3219. BEING KNOWN AS 801 Old Silver Spring Road, Mechanicsburg, PA 17050. TAX PARCEL NUMBER: 18-22- 0519 00113 -U -G801. PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the. Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: October 17, October 24 and October 31, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Lisa Marie Coyne, r --- ditor SWORN TO AND SUBSCRIBED before me this day of October, 2014 Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE KORO., CUMBERLAND CNTY My Commission Expires Apr 28, 2018 Ty Pub COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Sheryl Marie Leggore, Notary Public Hampden Twp., Cumberland County My Commission Expires July 16, 2016 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES The Patriot -News Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 he atriotNews Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday Patriot -News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 013-1615 Civil Term rj( Na ionstar Mortgage L U 1 ivs. , Natalie A. Brosius II l Atty: Patrick J. Wesner 1 ALL THAT CERTAIN UNIT 3 i IN THE PROPERTY KNOWN,' NAMED AND IDENTIFIED i' IN THE DECLARATION c 1,, REFERENCED TO BELOW AS "WALNUT VILLAS CONDOMINIUM" LOCATED I IN THE BOROUGH OF -' MECHANICSBURG, COUNTY OF CUMBERLAND, I, COMMONWEALTH OF ' I PENNSYLVANIA, WHICH II: HAS HERETOFORE BEEN SUBMII IFD PURSUANT TO THE PROVISIONS OF THE i PENNSYLVANIA ORM i CONDOMINIUM—ACI; 68 t PA. CONS. STAT ANN. 3101 's 2Tremr‘(PIT —� __ = MOON SUPP. r This ad ran on the date(s) shown below: 10/19/14 10/26/14 11/02/14 Sworn to ate• ubscribed before me this 17 day of November, 2014 A.D.