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HomeMy WebLinkAbout13-5595 Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County l 1 �s q S The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiffs Name: Nationstar Mortgage LLC Lead Defendant's Name: Matthew S. Dasher; Tiffany C A. Rose T Dollar Amount Requested: Lj within arbitration limits I Are money damages requested ?: ❑ Yes ® No (Check one) ® outside arbitration limits O N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Christopher A. DeNardo, Es uire ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not includeJudgmenis) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability (does not ❑ Employment Dispute: E include mass tort) Discrimination ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑Zoning Board C El Other: T ❑ Other: I ❑ Other: O MASS TORT N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort - DES ❑ Toxic Tort -Implant REAL PROPERTY MISCELLANEOUS B r_1 Toxic Waste ❑ Ejectment El Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 1/1/2011 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 w TELEPHONE: (610)278 -6800 - S & D FILE NO. 13- 043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION i>�; CUMBERLAND COUNTY - � , CZ) vs. 3 NO: SScl 5 Civ� 1 - � Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose ; 503 South Middlesex Road Carlisle, PA 17015 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. Q,v4- OA Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717- 249 -3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717- 249 -3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 t CL - - t DEFENDANTS ? nc CD -q :ax O COMPLAINT IN MORTGAGE FORECLOSURE -< Plaintiff, Nationstar Mortgage LLC, the address of which is, 350 Highland Dr., Lewisville, Texas 75067, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage Mortgagee Mortgage Electronic Systems, Inc., as Nominee for Residential Mortgage Solutions, Inc. its successors and assigns Mortgagor(s) Matthew S. Dasher and Tiffany A. Rose (b) Date of Mortgage December 16, 2009 (c) Place and Date of Record of Mortgage Recorder of Deeds Cumberland County Document ID# 201000691 Date: January 8, 2010 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments Assignor: Mortgage Electronic Systems, Inc., as Nominee for Residential Mortgage Solutions, Inc. its successors and assigns Assignee: Nationstar Mortgage LLC Date of Assignment: July 9, 2013 Recording Date: July 11, 2013 Instrument No.: 201322807 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property which is subject to the Mortgage is generally known as 403 Pine Road, Mount Holly Springs, PA 17065 and is more specifically described as attached as part of Exhibit "A ". 4. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note "). A true and correct copy of the Note is attached and marked as Exhibit "B ". 5. The names and mailing addresses of the Defendants are: Matthew S. Dasher, 503 South Middlesex Road, Carlisle, PA 17015 and Tiffany A. Rose, 503 South Middlesex Road, Carlisle, PA 17015. 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of April 1, 2013 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of September 4, 2013: Principal Balance Due $125,036.69 Interest Currently Due and Owing at 4.875% $3,555.72 From March 1, 2013 through September 4, 2013 Late Charges $97.98 Escrow Advances $599.05 Property Inspection $12.00 TAL $129,301.44 9. Interest continues to accrue for each month that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorneys fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. A Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403 commonly known as Act 6 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit "C ". 12. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707- 1715z -18). Accordingly, the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. n SHAPIRO & DeNARDO, LLC Date: L ©� BY: Att4PA eys for laintiff G SS, ESQ. S & D File No. 13 043753 # 308367 NJ BAR # 13862010 `J 001 T1 I i This in mxvknt Prapared By; R3SIDZHTIAL MORTGAGE SOLUTIONS (43.0)238 -3600 Afton R= Aft Return To: Loan NuMbery CERTIFIED TITLE CORPORATION 25 CROSSROADS DRIVE, STE 404 OWINGS MILLS MD. 21117 UW*= Parcxt Idcnti w No bor. 40- $3"642 -01 pmpmty Addma: 403 PINE ROAD MOUNT "OILY SPRINGS, PENNBYI+VANLA 17 � 065 �� fBPme Abow TTM LLns Pof Reoo+ding Doti] MORTGAGE FHA WIN! NO. MIN: : -- - =36 THGS MORTOAC3I1 {"Saudty IaRpltraCnt'� is 6ivea on D13CEM 611 16, 2009 Tbsmoapsoris 14ATTM W S. DASHER AND TIFFANY A. ROSE, AS TENANTS BY TILE EN' X23TIES ( "l;orrower7. This Segnsity lttstrateantlti BiVento Mort;a8e�eciraac Lte;iatratiouSyatoms , lnc.( "&fHRS � asMortga ;oo. KERB Ls tie nominee for Lend c, as tmWsftsr defmod, aad L•=da's 000mys and =4m' t+18R9 ie o rpudred and eaiWq =%Or tba lawo of Deinwsto, artd tus a malting sddrm of F.O. Box 2026, Flint, M148501 -2026 and a strw addrese of 3300 S.W. 34th Alm=w, Sato 101, Ocala, FL 34474, W. (888) 679 RFs8 Y1a71m M3K GAM 90¢mcHs, IN4C., A fdAAYlm (]7 RA'1icts CrA "i fs orprAzad and OAWV; =da the taws of MARYLAND ondhosaaoddro 0f 1.515 MARTINI BLVD, aALTIMORm, MARYLAND 21220 B=war owes bender dw um g of ONE H=RlW t N S. $ 1 4 T HOUSAND 6 Two ) HUNDRED SXXTY - SIX A= 00/100 - tt0fe�,gMcltprovldes This 4* io evWo=d by BOrrO" noto dated the MW date ae Ws StM* inettnmttnt for =a* "ymm"' wn the firlt debt, if not paid earlier, die aad payablo on JANUARY 1, 2040 Bormwm IntUaL: -�^-^ - -"'�"- . '�"� `•`- mvwraw A PCNNBYI VANIA MoirTliA08 • M2p8 Page 1 of 10� PAM'fQZ.FMA 1 t10tlOa r „ r I ' r I' f F i This 3eegrity Lnatremw aeooses to Lender: (a) toe xgayment Of the debt evidw by the Note, with lotomsy anti I all ten Wds, oxbeaetow sad nod ocadm of the Noroi (b) six paymmu of aII other soma, with latmel. advanced l m0wpanagrapb7toPrOW da80cutityoftMeSoovdfymst =04 and W th0 PufatmaceOfHOEowrr'aeovoganta atd agteemettis ender dtla Security h>bYnmlant agd the Nr�e. Lbr Wis gtapoae, Borrower done he+eby miOrt6� (!+� '• and o6avoy to MGRS (solely as mu, we far Lender and Leader's aaOamm and assigns) and to ft vocoe8m and assigns of Miilt3 the following deamlbed property located in CUMBERLAND County, pemllylvanlal SM L ML IregauPTION Aa' pnW HRW10 AND MBI R A PART OR AS MMMIT "A" A.P.N.s 40 -03 -2642 -011 v hiob hu 1he addm" of 403 PINS ROAD Isaeet) ' MOUNT HOLLY SPRINGS ,Pawtvaia 17068 ( "may '): m of (14 cl T0f99nWt WITH all dto impmvemowa Ww or hmrafteQ orect"d on the FoWly, and all esmmentt, appw"MW, and 6xtam now or hmcafmr a part of the paopetty. All teplsb=80 and addidow shall also be Oovaed by dds Setwf�v Lastrammit• All of tiro roreIIaatn{t is nttnrod to is this scciultpT�hnma�t ea rho ^ Property." Borrowervedctelands anda):reea thatrMBRSlmlde tide tO the laom"sto g?4ntidbyAosrowalntldsSeowltY Elmomontl but, V=98887 to comply with law oicdstom, l�tS (as ia6rainee an dd' estler'1 sneceamrs and psai� has the Aot! to enemies any or all of tboae lgtmo4ts, incl WV, bat rot lindted to, site right to fof0clase and twll the Propmrtpl and t0 Uft any action roquW of Lander iaclodfng, Irta not limited to, T4eWng or canceling dda Sovadty b*MW t- BORROWBR COVBNA= that BOrmwer is lawfblly sdWA of the "stets bareby coward and lulu site ftbt to tmrftpwt great VAco& q ft pm" end that the Psopettp is vnenoumba W, "Dept for enoambra n of rma& Borrower wwmus and will defend gmvnUY d',0 side to rho Property 40ax all clatma *ad demands, subject to any enamubrarms of record. TIM�RypY WoombinosuW mnco ineesadrgmrolformoovmtamswith ilaaited variations by jtuis�CdOn m constitute a osdkm ',sway instrument covmq real pmpmv. UNIFORM COVENANTS. Borrower and L ender oovaaant anchor"" 19 follows', I. paymdl of PA Wpal, lttkreet and We Cbarge Dorrowar 4halt pay when sine thA prhaeipal of, and int"nat on, d',e debt eA&=od by the Nate sad late "go. duo tmdm the Note. Maatblp t of 9asea, line mnte, and otter Chasers kiTowtQ shill itm bda in each monthly 2. Paym"nt, together !via, tba pdwjpol and intonst as sot forth In 111" Not" and any late a mvs, A eRm for (0 tales and is Ievl"d or to be Ievlod agalast the Pope fy, (b) leaeetmid p r meats or gmu A "n% on the SWW a8MARen ttd under p 4, In mgy'par is wbtcA ft Lender moat pay a Property. anti (c) pr"ndrtrns for imoe ragni mortgage Wsamw p m l0 4aSaYet of Noosing aM Urban Dwelopmest or in MW year itl go"War tAlnabt MWAoc NBYWANtA MOR7oACG£ • MBRS MaAb anoa�rawr A 11101108 Pepe 2 of 10 wwu doa»gta E f r t 't 1. I i is G l t whicb mob pmadntn would have been ropho if Led& ealll held the swuky Intatuaormt, each monthly payment t abaU nine hsclude eitlhort (q a sum for the tttmual tnortgeya imattrana pctmittm to be paid by lends to ibe Soortxaty, or (1i) a moodily ohzmo taatcAd of A mortgage ins um= if this Sear ity loepummt is held by the Soaetary, lmareaaanable aawunt to ba datettmated by the 5eorewy. Baxept for tite rnobthly chargoby the Seotalary, tbeae items An called "19aorow Home" and tlto amnia paid to i emler ace called "Escrow Funds." Lcmdar may. At RW dire, collect and bold mum for Bamow Item in an aspegam amoaat not to exceed the md-Im amouot OW my be regpind for BoTmuls osorow account under the Read Bstats Soulesmeat Procodums Act of 1974, 12 U.S.C. Q2601 Am. arml implawri fay regudatons, 24 tM Part 3500, as they may be mrmded homdmtodmo (IMPA'),wroepttbatelmt 4ianorresorvepamittedbyRBSPAforwmvicipaleddisbmsona m or dlaburaernents bofom the Borrower's paymemtr am Avallable in the am= not be based an amour a due for the mortgage Wsmmm pa rAwn. ffthosmau sheldbyLeoderforBacrowImm awoedOwamovmtepet tgtWtobeWAbyRWA,LeaderAm accouni to Borrower fby the oxooea fords car toquind by RHSPA, YP the amomrta of!nods held by Condor at nqv true an tot nfWar4 m pay Bte Hmw Items when doe, lender maq unify the Borrower and rogaEre Bocrowcr m melee up dw shor fte a pomdttod by REPA. The Bmw Fends an pledged ae attdidond security for all mu wmvd by this Security lmtrvnaerrt. N Borrows tenders to Loader the Rill paymmnt of ail such rime, Borrower's wcovnt abali be credited with Ole balance remaining for all Instalta m l items (a). (b), and (c) and ally mortgage fi ma - pmgicm b*l mom that Leader boa not become obSpW to pay to tbo Secatary, sad Ltmder altall promptly Wand tray extom Amdc to Borrower. Immediately prior to a fataotoaaro eau of the property or its acquisition by lender, Borroweea accvtmd alplt be credited with Any baiarra rtmahttag fbr all insullmems fb7 imm (a), (b), and (c). 3. Apocuton of Paysrtate. All paymmna under paregruphe 1 and 2 aloft be applled by Lander as follows: to jLe nortgpge In"no" p to ba paid by Louder to d t: $gQUary or to the pmnfEy charge by the 3e0tfteh7' fnda4d ct tdo naoa8sly, anrtgago insorenCe ptCaaimit; ;L,,m anytsaes, spedal assdatwom. lea�olppa7ma�W orgrotiadranla, andtre, flood anti a6ber harard l�auaaoepnhminaar, ps.raquieeQ; .. . . .... .. ,.do interest doe under Wallote; gam, to amortiation of tbe? pric>dM of the �bw cad . ,to tote charges tae under tbo,Nom. 1, Ffn, Flood and Other B(asard Inanrarim Borrower .sbali.insruyall tmpmvemagta on the Prpperty, winder uosv in wdstenee or mbseq» on* omc od, rod oontiugeactee, ioctoding Are, for which 1 miler r Vim is'tsv isim. Thkioam>utca abet! be mahminod in die immu is and for the periods that I ender mquh=. Borrower shall also' haute all impmvemeata on the Property. wheffis now in mda ice or aubeogeentiyaected. aggral ossbyflooderothemtmntmgairodby0vSexntary, Allingmuooshallbomriedwith ootapaulea approved by I ender.. 7U bmacoe policies and cry rraM& aba11 beheld by Tod and slhan include loss payable dames in favor of, and in a form scoeptehto to, LtAder. Io late eventofioss, Borrower aladl glue Lector intnsediam twdoe bymait. Lender may stab proof oflosa if rot m*Vrogtptlybyftmwar. Mchh uraacecompgnyeoaoemp di sherbysutborfredaaddimetedtomatepayment for teed loan directly m Emmia, Wmtod of to Borrower ad to I eadrr jolnRy. AA or any pert of the iashu race proceeds may be applied by Leader, at im option, cidw (a).to the reduction of the iadebsodnesc under rho Note ad this Seoudty JnsUuttent, 010 to arty dclhtquont amounts applied in the order lnpangraph 3, ad Wcn to prepayn mat of pdra ni, or eb) w rho reatarad or repair otdte damaged propwiy: Any igrplicadon of tite proceeds m the principal g" not ezmM or powpom.•e ft doe date of the monthly lrayments wW4 art referred to do paragraph 2, or Baaowar faidaL: �_ .,_LN `� iAMIT s 1�1� Pace 9 d t0 eras i i l F J: f i i A I l' 1 I i I. . cbange the anloant of ata pnym m. AR( excess lnsanum proceeds over tar ataovnt rpgolred m pay all rout mad$hg indebted m u vL* (1e Note and this Security Wst roment ebal be Pdd to tho adV levelly oodtlal tbomto. In ft event of foroelosme of Ilia Security Ishament or other trasfer of ddo to rite Property teat extingolshes r rite iadobtednets, all right. Otte and i*m of Borrower to cal to Immam Poli to force thsl pass to the yorahaaer. S. becoNmcy,p'06wvaftn,lt W Atmucea ndPro% cti000fthelPyo"Romwer Loa Appilc0 ref Leaseholds. Borrower &all oeeapy, establish, a>d vas the Prop" es Borrower'♦: principal roddtma wlthlu sixty days after the execution of WeSeoority Immmmmt (or wldtin.shdy dtya of a lain salt or taster of tie Property) and Shall 0omdnuo to ceaopy the Property as Borrower's prbx*l toddenee for at bast om year ANT the date of oomVemy, unless Lsnda detaunines MMroquiremeutWill auseun 1whadsbipforB=vla, ornuieasoxoeneadog ckanmsm=m add wbiob ate beyond Borrower's corkrol. Borrower tdu11 ratify L.eador of my e9feria ft cj mosp =,& Dormwor shall trot commit wasro or destroy, &=So or d ge the Property or allow the Property to detertotate, ms s muo Wear and tear excepted , lva" may lagact aw Property if the Property Is vacant or abandoned err (x lose is is default. I Nadermay box naaenable madou to pmtea and Preserve nth vacant or abatdomd Property. Borrower d aH also be in dotltult if Buttoner, dmiag the Ioan RptioaOon process, gave momisay WN or j mwmte infmmadoa or statements to Wader (or tailed to poovkla Lander with airy rstulal InlotmWoa) in couxiection widt the loan e+idemed by ft Note. including, b i not Strdted to, reFesem dam 00meraw Borrower`s occupancy o ow Property ere a pasmtpd rememe. if this Sec city Isanarnt is on a leasehold, Borrower .allt muoy with the provisions of the leas& lfBorrowet'40gdM fee ride to the Property, the ItrtsohoM sat too tl(e rot be toerged uniesa Lathdor agree to tie merge ip tvriting. 6, CondemnWon. 'the p waWs of any swami or Balm for dauhnaes, d6u;a or com g0=11al, in connection with any eaaQartrmtion or otbtr mling'of arc part of the Property, or for eoaveymx fa pisCO of oondonmstion, arc hereby a (pod and d II bo paid to Lander to the oxteat of the hill amaant of the lakbtedaroa test rernalm W*d under tht Note and this SeMuiry la9lrtlmW- I ender shall apply etch proceeds to the reduction of rho indebtedness under the Note and this Seco ity Immmow, ft to aqy dallaquam amour* *VIM is the order provided in paragraph 3, snd tie» io prepaymout of peinclpal, Attq applihmdm of the pmoeedt to the Flocipal WWI not extend orppdpone the due data of dtpm0t►thly payments, w4lrh tr1 roteuxod t0 iupsrsgrsph 2, or age the racist of snot payme*. Any cwmepomftovaautiWU regairodmpay.alloa>e 0g 1nde0fadoEssimdertheNoroaudthis Security lsiramcnt clan be pall to the aatlty legally etdld0d 0101110. 7. Chm'gp to Borrower and Pmtecilm of Leader's ]tights bt the Pro". Borrowor slap pay sU , Say ernta*g mb& dpel 1 , lb*b sbd imiwddos that rue ra!'imhWW iaperagmpb 2. Bonowar abaft pay tba0 obligsOmus on t(mo diuoedy to" bs sty which - ii owed the payment. If IhUm to pay wooed adversely &SW laedor's Interest in the Property, dpon• 1',.a1e9's tlgaest Borrower shaU promptly.ta tab to Lands receipts "Waoxing those payments. If Borrower fans t VWM these pgymum or the pgymoats: required byparapsph2, pr tans to perform aqy other c0vonene ad sgreetnond coutsinodta this Staprity b aramNW, or (here is a logal povaeodteg that my slpu a 3dy affect EAnWs dOW in the Pmpetty (fdeh as a psu000diAg irlbanbaptcy, tiotaadeaanWOn.or to emfmcc lawn or reBu)Atios), dim under utay do =d pay whatever is nootissaq to protect the 'who.0the Property snd Under's rights in to Pmpmty, ipahwing psymim or "M. hisird,Insopm:m¢ other low nsaoOgnod In paagraph 2. Any truants di0mrstd by lender ender lids pangnph stall become m amidad debt at BOrrowar aid be mcundby this Soauityhwnmasl .'7bmam=usati bear inlmWfrom #*rimeofdialtrarmrantat the Note rate, U -4 at the op(nnof haft"be 3u Lately dercand payable. • Borrower "Promptly discharge way BNn wh bas priority' over rids S GWW fastruate unles Borrower. in good faith en by ag a mc*=t Of ter lien•i prooeodl* andeh to 60 LeMN's Borrower Wou; A15& PHAPEN VA MORMAGa -HERS Aodtopft�laar PAATrOZ.fHA 1101108 Pow 4 of 10 tvwW one i A 1 I! I; opWom operate to pmvemt the �w of am lien; or (o) "Mm flora the holder of the lieu an w temw sstisfaoWry to Leader tubOrtlfnating the lion to this $cavity Iuvtrummt. if Loader domm ms dust my part of the Propetiy. is suldeot to-t Hen w" may attain pdodty over this Secmily lmtmmaat, Lender troy give Borrower a f notice idmdtfyloy the Han. Borrower tduaH mad* the It= or tsbe one or ante of the Rodeos set forth above within 10 days of the giving of notice. & TM, Ltmder may eoilect ft:os and oLargta mthoAzod by the Sm"WY, 9. Gmmds for Aetekrstbn of Debt. (a) DdIndt. Under may, ermept u mited by reguladonSkox4 by the SamWAry lade caao ofpaymmu defSnlb, require iwmodlate payaapat in foil of all sums txcutod by this Secudty Itosfrnmeo<it; (3) Dmrower defaults by 6H)ng to pay in full Any moldy payment required by Ibis Seamity InatawmmU prior to or on the due due of the mod awrA* payment, or (il) Borrower defaults by failicg, for a period of ihbq days, to perform any other oblWom coruaiaed iu this Security lu ument. (b) SaleWithantCredhApptoTol. Lender tbJfparmittodbyM71icable law OwAu kogaoction341(d) of the Gera -St. Oomato Depository Institutions Act of 1982, 12 U.S.C. 1701) -3(d)) and wllh the prior %Vmwtl of the bloc Wv, m#m kunediste payment la fail of in ma aeao W by ails Smily hawmea IL lA All or part of the Property, or a bendWisil interest in oust owdmg all or part of doe property, Is sold or of trwiso ftwde*red (od m quo by devlae or desooat), and (iA The Nope ty is not occapled by the patahasor or plume as his or her prlt 4d reddm eq or the pardma or gramW does so occupy the Property, but Ede or het otodit tree not been approved In moordince wldr rho wader ntmats of the lkam try. (ti) No Welver. If dm moan occur that would pemdt Lauder to require imure dim pt pw% In fall, but Loft dace cot togldre snob paymmas, Lemdor does not waive Its tights witb regod to mOxqua,t evens (d) Regulations of HUD Secretary,• In many dnnmaticooe mgalStIorsissued byte Soanetsty win Wt L carter a rights; it the cue of pavmont defanits, to tognim homefte payment In fall and tbnocloso If not paid. Thin Smmtty Ina(rmoaot does rat avtborize mxaloradon or tbrnbtosttroff notpetmdtldl byroguletioae of the S ecretay. (s) blortgow 1Vot•Insnrpd. borrower app t hat if this Security Instrmnew std the Nom an ra 60 DhYS ftm 6c to hdno4 Landet sisy option, nquhv.. t h=edlaWp ymW in tbII of ell acme saamd by this Sa'ardtylmAiement,. A written statoaatrot of rayauWodxA agord of t>ie SeCretrvy dstid sabatqumd to ti 0 DAYS from rho dsed h%W. decthft to iiam this Saatdty' Jnsbro m u and 40Noo, daHbede= vdeon4asiveproofofeucb :InWAiIity. Notwkb=nffiv4 thefooegoing,Nooption may not bemdolsedbyLtA derwheaftmrs veil" tyofiasauanoolseotdyduttoLwAtesisth totemdt a mortgsge iumuce ptdtdwa to she 9eaetery. 10. Rd neaJ. Borrower bas a tight to be refmtated if IAnS r has mgWre t immedlate pqm mt in Sdi beegufe of oonw/et's fsdlore to pity an summ doe nttder @n Hots or this Soarriy lnt M=cm. 119s tight applies even allot foreolosuie protxedings are imdtoxd. To tehmm the &Cmity fuauonacet, Borrower draw ttador in a lump som all mam me requind W bring Borrower's a chid coatnt iuoludb*. tb the **at the arc obliptiom of Borrowcrunderthis&c udty lgsttttutent , fomlbaamomm and teasombloturdm omerysnoroays'feesandwpm= ptopody assodsicd with Ott fosodom pmoccedimt. • Upon ratiaslaleft by Boubwor, this Sealy Intaum nt Sad the obHgadom tbat' it warms shall reach in effect As if•L.ender had not ngadaod immedltts paymem In till, R ome= , loft is not fegtdred to permit netetatermat if: (i) Leader bas socepted mlitstaee=m after the commm mrent of foredosute proob�e �Wlddatwo peace immediately pnm ft the commwoamau of cmmnt m Fit A NNaYLVANtA M RMAtta w Mans Cea afeptef86arct�eo�s. rma " PB YI W 111 Pao. a of 10 wavwdamiyar inn t l , r c i l ` P i I I is i foredwure pweeeft, (9) reinstatement will pmb* foraelosmo on differwf grounds in the fbmte, or (di) reiMtCAM will adveaely atiloct dto priority of 6; firm seated by ids Security lestromcat. U. Borrower Not Redoacedl Forbarmoce by Leadw Not a Water. BxtmfBlon of do dm of payment or modification of amordndou of fire tmms secured by thin Security bw roman: grained by Lender to arq gpccoa$or to Interest of Borrower $ball not operate to release the liability of rise or &AI Borrower or BortovNea successors Ia interest.' Lender ahsII not be required to oommom pr000cdh gs against sny wcooamin interest or rohm to extend time forpoymmnt or otlaerwd$o modify amordration of do some seaored by this Som ty kstrumect by reason of any domandmadebyHworiglmlBarxowerorBorrower 'saraxitaoxsietntraest, Atykebesimoebytwmdoriavatxoising mV right or romody stall not be a waiver of or proofode the excocl90 of any right or ro mody. 12, Somemors add Assure Bomedl Jolat and Severn) LWAlltyt C664mv. The eoramnta and agreemera of this Somrity lristtamant shall bled and bcmfit die succrasors aad assigns of 1AAat rod Borrower, subject to the provisions of paragraph 9(b). Bonrovmes covona,na and agmemmu shall be,)oint and several. Any Borrower who co this Somilty butrumreot but does not excowo fete Notes (a) ie oo4soicj 04 Security Instrument only to mortgage. grant and oom rcy that Borrower's interest io the POP" under the terms of this Seotuity Inst:tmmontt (b) is not petaonally obligated to pay the sous secured by this Socurlty lnttrumotftt and (o) Rpm that Lcmdor and any othVl3Orrowor may agroe to oonaed, modify, 6orbcox or msfao arty ace m adadons with regard to the terms of this SmWly Instrument or the Note wldmt that Borrower'a coascat. 13, Neoax. Any notice to Wnewerprovided for in this Sooadty bAtmacut abell be givta by delivering It or by mailbag It by 9rk olass mall furless opplkabk law requires use of amticr methed. The notloo drab be directed to the Pfape* Addms$ or any other addno Borrower de ftuUm by mtito to Lender. Any nodoe to Leader Shan be givenby &d class mail to Loader's address stated bents or say "dressy etrderdeatgnttosby notice to Borrower. Avy nodce provided fbrlm this Soomity luetrurmnt dran be deemed to have been Om to Borrower or Lander whom em as provided In dds parsgrtph. 18. Coveralug Law; 5ovea"Iy. This Security Ittet:nmart"be governed by federal law and the law of Onepdadidknin which the Prop" is located. in the oveitt that any provislon or clause of thl$ Sadly h2tntmeat or the Now =010 with applkable law, such confllot shall tot affect other provisions of this Security lasturmltm or the Note which can be given dtki wlthm the aonflie ft proAslon. i o Ibli tai the ptovldo� of dda Security lastromemt and the Note are declared to be severable, 16. Barotver'aCopy. Sorroworaha116egiwenoneconforexdMyofft Note amdofthisSlxaiQityImmument. 16. 11atm;rdoae Substances, Borrower MWIL not caoee or,pmalt ttto presence, man disposal, storage, or ukase of any Huxr,Vra Snbt bm— on or is the Property. •Borrower ow do, nor allow auycab do to do. am *b* offootiq die property that is in vlotadon of anY Bnvironmwrtnt Xaw, Oro Daeoodiig two settlenara shall mt apptp to tier preswze, use, or Aoryge oA the i'roperty of smalt'quandttes of Rarardoes Slrbrtmoee that are goaerally r000gdlmd to be appropriate to normal rosldtmtiai use and m rmtdetonanoe of du Propttty. Borrower doll promptly glue Latsdar wrtamtnotiga of ahp imeedgadon, clelm, demand, Iaweait orolher sotlon by any lfoveirtmoataf or rege(awry agemy or piivate party dnvolving the Property and saty Harardow Subataneo or BovI=MxUW Law otwliohBonrowerbure aettid i mowkdge. ff Bonvtm band. or is mdticd by my govwz ual or reghdttivy ma6rib', fhat 'removal OI other temedlsdoA, of mq f{d[tT4Gma Sabelanoea affeedag (ho proporty is nooessary, Borower shell F6nWj talee '9 tarAedlat aotiom In soewrdacoe writ BVko=eatal Law. As used h.thta paragraph 16, "Meter&& Smbstsmees" are those sexWm donned a toxic or bnwOom subatanxs by haul o=mtad Law ad'tte following iubstmooa: g,woline, kerosene; other flmu ablo or toxic pepokofupsiodoo s, toxi6pesdoldos voledlo i6lveota; imte4als contadoing ssbesteg or foraraldriryde, and radHoWye rage rialg. As Head to this paragoo J6, "Bovlromm'l W Uw'.menma federal law$ and laws of Ox jurlsdiaton wham the Property is located that elate to With, safep%or envkomWW protection. FHA nWNaY" tVANW M ORTGAOE • WN Dee4ay/o!'a7dw� �oue[sav PAb1YOY.E}b1. 11 /01106 Paps a o110 www.dooms a�a , i f I I' i I i I. i HON1• UNIDO RMCOVENANTS. co vanat 17. Aetmentof Rents. BomowOV nn as oottdi110MIlY dgns on of du Propaty. Domwer s4orima Lender or Lender's APP to pplleal dae meta and mveAaoB and hamby diroots tech of flan Property to pay the yenta to Lender or Lender's agnate. 110Mrer, prior to LAWS nodoe CO Borrower of Bomowar's breads of aq twvenlat or agromuremt in the Sotautty Intu%aeat. Borrower toad colkci am roceSvo all man and mmm of the propom m a c�ollt ofLaWaa dry only, Borrower � amt of mots oomltow ansbaoleW t If Larder gives nodes of brwtch to Borrower (e) aB reefs reoelved by Aomm that/ be bdd by Borrower as tresses far beweat of Lauder only, to be applied to do stuns seamed by fie Soxiity l t; (b) Leader e9taq be ondtltd to 001104 and medVa 111 Of flat twins of die Property) and (o) oath teem of Il re Propaty shall M aU "M doe Bad unpaid to Leader or Lender's ageru on Leadt7f'ss w not at m aotpafmm 8oY act fiat world 1lonower has not wteoatad any Fdo t prmol Louder from axemislug its rights %odes this parsgraph 17. I,eoder"not be mgtdmd to miner Won, tske counol of or nWatdn the Pmptvty betom or after giviud uotim of breach to Borrower. However, I ender or a j dliclally appotaled rcoeivar may do so u any dmo 6= is o browb- Ibis Any spplicallm of rafts shalt Dot ems of wove soy defralt or invalidate anp older tight or ramxiy of Lender. asdpmem of rears of rho Property 6311 terminate wbm ft debt wmvd by the Swa ty Ineh'ea04 is Paid Is is. Foreclosor+OR•oce W%VIAnderrequlfe,hunm iatopayawlinMlettdxp &nW Y tttreel06e this Security >imgruatent by Judcial pvm&ag and/or Invoke any attar ra%edlee pami�d by appdaable law. Lendw shall be entitled to volioct all atpeum bummed in pwift the rvantdies pvvided or referred to in this ptirag %* IS, indodng, but not darned ts, attorneys' foal and costs of tide evldow to the W*Wtp"n2l*d by WAcxble law. V the renders Iota* fie Ibis 6e9►m{t9 Tucd amens �.W by t!e h x' ad 04 > regnlr� Itn»tet5ote payment 1% fuB tatdar paragntpl 9, the Se wcopi may hW*ke U>te noyu4&l poweref tale provided In the. BLagie F*Wly Motrtst* Foredoept'e A#. of I99{ ("Act") (1Z II.bI G 376111 188•? by tequeedas a . foralosprecanlaaasdesWe�. etwoom avided na+ 4ofororgasareandtosdltheFrvpereyas [x ba the Ad. Net4iag la the pt�eoediaB treni eno4 sled deprt.e the Secttt�rf of say rights W--be available to s L@oda under, . Wraypgph I8 or by tide appl i0ca law. A] 6=6 teemed Security �taate+tb.tldf sawaty Tn ument sad pre ly,dptoe Upen paymeatt of estate conveyed abgd termdluape !ad bepante void. Afttrr tryoD,ocaertenca, Leda arbaU disohage awl sadsfy as IadromOnY BQrTowarsiaUpaYanYrrCOrdnaol roosts. LendcimaY. e) rsrE6BorroWarelaeibrntess >n¢thit t Inatinmont, tat ottly it the foe ie Paid to a. tbko party fwr eervit reodaed;n ft charging of alas fee is pamkted radar app}Icable ktW. r defects in 20. Waivers. ,llotrowcr, to the 0m'ent P by aPpdgbic law, wpfwss sad Idea= anp• after o procoeding8 to oafonDe this.%many lowpo tut, "dlbmby wsives the ben0fltof auy patent or forum laWSproviding for stag of exeoudoa,, exWdoa of dine, oamnpdoa @om eUaftW4 levy and sale, sad homostead exempdon. 21. 'ltdnstatety►pttFrxiod. dent0W6r' adantoreittstat apmvtdodjvpsmp* 10d1Wl"aawtommiourpft to the oommentxmeat of t>Wb* at a dwdfrs sak orotber 8110 Pura'= to ttda *aft lolsamaat. 22. ltorrbase Money Mortga8'a• • u anyof the debt securod by this See%dty btstramem la /ant t0 Borzawti to %Win title to aw Property. this Sooarlty latnvaieat titsti be a Pm'W0 n'oney.toortgag0• 23. fntav t Rata MW Judgartrt. Borrower agrees that dm teiareat rate Pay,.ble after a Judgment dptnant fe artFerOd on ft Note Or IA aodoo of mbrtgago foredosme $ball be the rate payable from time to 4m %ad>r the t4oro. Boa ower fniti 01 t�OZ S Lv t t 101M �OAOE • M¢Ft8 pa" 7 o f 10 g E. f t , I 24. RlAars to Sfxurlty itnfrlratrlant V oao or mom riders mounted by Borrower aad mcarded mpaher With this $M ft fnetrumem, tho COVWM ots of each Mob radar stall be imorporatod into Wd d O amend and fafpp the oov vWa sad agreements of No Security in oulent as If tha rider(a) ware a part of thin Smrity (Calk spplimblo box(es)). ❑ cbndomith% l] ambaated Payment Rider ❑ Orowils B gwly Rider p PUOW Unit Doveloprami Rider Cl Ad)netable Rate W*r © RobabiHtatlon loan Rider [] Noj) -- a Orxatpaaay Rider [] Other iSpoaifyl BX SiC3N]N4BHIAW, Borrower scoepte and egtoes t4 the taral9 oorusine d in pages l through 10 of tldo Security lw&i nont and in any ridor(,t) axoc W by Borrower and rowrdod with it. MAT1TiSW 3. AASMP. -Borrower TIFFAW A. ROOM •golrmwer ,Boriowar Born '0DTiOwor Bospwa VViincae: Witne�v: A P&t%YLVAig K40RMAOE • ER0 DoCatapJO!> �FtYOD a0p IN fab PANfT 11/01/00 Pa8e of 10 ryWWQpwM{¢e oaro r. `r i V i. i I' t f 1. i . 18pooe Wow Thb Line For A4r- avAodDmentl I State of County of ' thla 1 �aay l�/Ti�' �v `� , belbn we. 'Y���f I I ✓. foe m4oa3pod offtl, peraoasily appeared . =MN 9. PAWS W ?i blFPM A. ROgE )mown to wo (or aati I provoo) to be fhe petpwn(a) whoao n&M(s are eebeodbod to the whom lramarait and aekeowkdgod that t oy o cogxed the arena for Ute patposoa 16waia ootaatn¢d, In witaesa wbateof, i hereunto pot rqy hand mw WOW scale. HolulAl SEAL ! JOHN I etwx At' r . Notav Pub84 Sltoa p aW pWONIWP DOWN GOVNW �9I�/�/ MY rom ndsAon txplrea Jul 27, 3010 ! ) K / I t �NHMINIp� V i _ TkloofOMm 's, �(r�� :y�'"��` • � °� My aommwon expiroa, AAMT t VINO I TORTaAOE . MElS6 Peite 9 of 10 tlo�ataDto www *reowr t 4 I f L l The ttWwWgrod heroby coWfies rhea (i1 Wsbe is tb4 Mortgageo or the duly mthotind othroey or agaat'of rho MOrtgagw U4Mpd in the wkHtt ittstruV*A4 ami (H) Mortgagoe's PMCLW retddem is! 3300 S. W. 34th Avenue, Suite 101, Oaalo, FL 24474, P, 0. Sox 2026, Flint, Michigan 46501 -2026 wii;Q roy>>arii aay or �2s� `�'inY�� 9009 Slgumm of Morippe o 's Do4 Aubm*W Anomey t 'tyyvorPrfat afMortgegeeaMmtgapee '�DolyAaAahood.�O[wry Agatt ;Ft p Yt ANtA/� — AR7 �a8 page 10 or ro 0 duo o�af°nr r F t I F � I: File Na 09PA3083 Exblbit "A" Legal Dacripdon f ALL THAT CERTAIN LOT OF GROUND SITUATE IN SOUTH MMDLETON TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDSO AND DESCRIBED AS FOLLOWSi BEGINNING AT A STAKE ON THE SOUTH SIDE OF PINE ROAD, SAID STAKE BEING CORNER OF i LAND NOW OR FORMERLY OF WILLIAM L. SMITH, THENCE ALONG LAND OF SAID WILLIAM L, ShM SOUTH 17 DEGREES 42 MINUTES MST 250 FEET TO A STAKE; THENCE BY LAND NOW OR FORMERLY OF BERT L. WOODWARD ET UX SOUTH 84 DEGREES 3 MBYMS WEST 134 FEET TO A STAKE; THENCE BY LAND OF ROBERT B, MURRAY RT UX AND PERPENDICULAR TO SAID PINE ROAD 250 FEET, MORE OR LESS, TO A STAKE ON THE SOUTH SIDE OF PINE ROADI THENCE BY SOUTHERN SIDE OF SAID ME ROAD NORTH 84 DEGREES 3 MINUTES EAST 80 FEET TO A POINTI M PLACE OF BEGINNING, IMPROVED WITH A ONE STORY RANCH TYPE DWELLING HOUSE KNOWN AS AND NUMBERED 403 PINE ROAD, I; . II I. r A Y ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE ! CARLISLE, PA 17013 - r 717- 240 -6370 Instrument Number - 201000691 Recorded On 1/8!2010 At 10:53:45 AM * Total Pages -12 * Iustrument Type - MORTGAGE f Invoice Number - 58988 User ID - KW * Mortgagor - DASHER, MATTHEW S * Mortgagee - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC * Customer - CERTIFIED TITLE CORP j * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS /ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING BEES - $25.50 RECORDER OF DEEDS This page is now part PARCEL CXRTIFICATION $10.00 FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES ME $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $76.00 1 Certify this to be recorded in Cumberland County PA ` ECOR C� RECORDER d b DS " - information denoted by an asterisk may change during the veriflcation process and May not be reflected on thla page. 0010T1 III Illlilll�l�! Iflfl II! �I .. ..... ..... ... ...... ------ MIN: Loan Number: NOTE FHA Case No. 03 DECEMBER 16, 2009 BALTIMORE MARYLAND (D-) (city] (state] 403 PINE ROAD, MOUNT HOLLY SPRINGS, PENNSYLVANIA 17065 [Propwty Address) 1. PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender"means RESIDENTIAL MORTGAGE SOLUTIONS, INC., A MARYLAND CORPORATION (CFL # 6075) and its successors and assigns. 2. BORROWER'S PROMISE TO PAY; INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of ONE HU NDRED THIRTY-FOUR THOUSAND TWO HUNDRED SIXTY-SIX AND 00/100 Dollms(U.S.$ 134,.266.00 plus interest, to the order of Lender. Interest will be chuged-on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of FOUR AND 8 7 5 / 10 0 0 percent 4.8 7 5 %) per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage, deed oftrust birsimilk security instrument that is dated the same date as this Note and called the "Security Instrument." The Seculittlustr I 11111011tprotects the Lender from losses which might result if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a'payment of Principal and interest to Lttidcr on the 115 t day of each month beginning on FEBRUARY 1, 2010 -; . : Auypmcipal and interest remaining on the 1st day of JANUARY, 2040 will b d on that date, which is called the "Maturity Date." (B) Place Payment shall be made at P - O: BOX 10219.,'VAN NUYS,. CALIFORNIA 91410-0219 -or at such other place as Lender may designate in writing by notice to Borrower— (C) Amount ' . 1. :1 .. Each monthly p of principal anA.'Iotero$t *!Ube in of U.S. $ 710.5 This amount will be part of a larger monthly payment Tequired'bY the $ecidfitY TtILS4 , that shall-be applied to principal, interest and other items in the order described in the Security Woument. (D) Allouge to this Note for Payment Adjustments If an allonge providing for payment adjustments is executed by Borrower togetb- with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. Borrower Initials: MULTISTATE - FHA FIXED RATE NOTE DoWagic ObV= 8004a•136,2 USFHA,NTE 09/25/09 Page 1 of 3 www.doemaglo.com . ........ . . ........ ----------- (Check applicable box.) ❑ Growing Equity Allonge (:) Graduated Payment Allonge ❑ Other [specify): 5. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or iupart, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the mouth to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(Q of this Note, by the end of fifteen calendar days after the payment is due, Lender may collect a late charge in the amount of FOUR AND 0 0 0 / 10 0 0 percent 4.000 %) of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay in full any monthly payment, d= Lender may, except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. in many circumstances, regulations issued by the Secretary will limit Lender's rights to requi.re.imme0 in full in the case of payment defaults. This Note does not authorize acceleration when not of I permitted . by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) � Faiment - of Costs and Expenses If UnderhasrpqVired immediate payment . infall, as described above, Lender tray require Borrower to pay costs and expenses including ri as6n6Ie'ihd'cijA6wiiiy attorneYs'46M for enfprcing.tbis Note to the extent not Prohibited Vida — i '. by applicable law.', Such fees and costs... he ar . interest from of &gburse as rate the Principal of, this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the fights of presentment and notice of dishonor. "Presentment" means the right. to require Under to demand payment of amounts due. "Notice of Dishonor'! means the. right to re : ro . . Ui � , to give notice to other persons that amounts due have not been paid. qui 8. GIVING OF NOTICES .. . Unless applicable law requires a diffe rent ern me th o d any n otice that must be given to . Borrower under this Note will . be given by delivering it or by maili it by first class mail to Borrower at the Property Address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by delivering it or by wailing it by first class mail to Lender at the address stated, in Paragraph 4(B) or at a different address if Borrower is 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 pirsoiIally-obligated to keep all of the promises made in this Note, including the promise to pay the . fall 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 Borrower Initialr. MULTISTATE - FHA FIXED RATE NOTE D tVF4'PDQaL 800-649-1362 USFHA.NTE 09125109 Page 2 of 3 www.dacmagia-COM J y J / this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note. (seal) (Seal) MATTHEW S.. DASHER - Borrower . TIFF Y A.. ROSE - Borrower (Seal) (SO* -Borrower. Borrower (sew) (Seal) - Borrower - Borrower [Sign Original Only] MULTISTATE - FHA FIXED RATE NOTE DOCMYgiCf7U0iffi 9Q1B49.19E1 USFHA.NTE 09/25109 Page 3 of 3 www.doemagla ccm • i ..j j,. ll ALLONGE TO NOTE LOAN NUMBER: LOANAMOUNT: $134,266.00 ALLONGE TO ONE CERTAIN NOTE DATED: (Note Date) DECEMBER 16, 2009 . AND EXECUTED BY: MATTHEW S. DASHER, TIFFANY A. ROSE PROPERTY ADDRESS: 403 PINE ROAD MOUNT HOLLY SPRINGS, PENNSYLVANIA 17065 PAY TO THE ORDER OP: BANK OF AMERICA, N.A. K. ..0 %:M, x+ "`.... . zc. ,?�:> .y'4x �s:. .Mtnrssz:w TMf:. "C a as�s?:;%f. ,: ;�.k° .r •' >�x � tr. >..;.�a >:>-Y >� ��� sy..°'+.�Foft"s.. � :, a .s<4•,YS,?- fir, "r�'ii�kr:: :A •%"'S,a �'3'".;�,��;sf. . .::.ea< §:' Y^ - ';..;. ;,- _:,. :: -`c:s ujd`..;.js�<. j. "F° - x; -` a> .: .'dTl�2Ya{i1Pc,' sbt .a�- :.s.?;:: . > .. y .: .,q.. $.^. r S Z..< ,�# •s1 3 Q`' >Yax. aze >£;1'. , > ri:oe'}st »` >i3.3 ?��s'.$ ka ?Y"n °7 %.x:',k. � °'.•4':- 4 '¢ v�': x :' > :6x.,;.' N,�s; .'i,. 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PAY TOTHE ORDER OF ' Wfn4(X ' SSE BANK OF AMEMA, U A• ALLONGE TO NOTE BY . • NOS Form Filled using DacMag)c 1FE6192US(12/08)(i) MICHELE $� 600.049.1982 www.doemagio.COM ci;muno vnrF PPr-glDEIVT PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 7196 9006 9296 7419 6401 ws0 20130531 -7 Ili lli�InIIJIIL' IIIInIIIIIII�IIli1lilllilnll '"I�IJInI�I�I TIFFANY A ROSE 503 S Middlesex Rd Carlisle, PA 17015 -9719 ' C3_1445 BLQPA214091 08/2412011 May 31, 2013 Sent Certified Mail: 7196 9006 9296 7419 6401 Return Receipt Reauested Account Na TIFFANY A ROSE 503 S Middlesex Rd Carlisle, PA 17015 -9719 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear TIFFANY A ROSE, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 403 Pine Road Mount Holly Springs, PA 17065, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2013 - 05/31 /2013. Monthly Charges: 04/01/2013 - 05/31/2013 @ $1224.78 $2,449.56 Late Charaes: 04 /01/2013 - 05/31/2013 @ $48.99 $97.98 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $0.00 Partial Payment Balance: 0.00 TOTAL DUE: $2,547.54 Late charges and other charges have also accrued to this date in the amount of $97.98. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $2,547.54. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $2,547.54, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. 7196 9006 9296 7419 6401 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs toreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800- 669.4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http:// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1 -800- 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief, For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. 7196 9006 9296 7419 6401 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizarfi compaMas, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios pars proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento "). Bank of America, N.A, aplicarA cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento estL% disponible en el sitio de Internet: rhftp:// www, bankofamerica.com /defaultfeegj Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p, m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. pars pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue califiaue incluidas protecciones contra la ejecuci6n hipotecaria asi Como tambAn ayuda en la tasa de inter6s. Para obtener mAs informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1 -877- 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 7196 9006 9296 7419 6401 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home 1 0 x N_ Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home ............ .......... Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicerAenderAnvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 7419 6401 Hay opciones disponibles para ayudarle a Evitar la Ejecucion H ipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cuffles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa :•:'.: {::: •: \:•:,:: :: \•i,•: \•�:::��::•:::+ \• \`: '�. \:t• \:•���•:•: is �::�:;:`:t: ::: v::': :�:•:':` i \:;:':: :;:;: y y�y Home Affordable Es un programa del gobierno federal que le permite pagar el prbstamo bajo los nuevos Modification tbrminos acordados, que pueden incluir la reduccibn de la tasa de interbs, agregar Program (HAMP) cantidades vencidas al final del prbstamo, y/o extender el plazo del prbstamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 dblares para una vivienda unifamiliar, $934,200 dblares para una propiedad de 2 unidades, $1,129,250 dblares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad flnanciera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prbstamo hipotecario no ha sido condenada o no estA en malas condiciones fisicas como para no poder habitarse incluso si no estA condenada. • La hipoteca est6 garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prbstamo, aceptaremos los fondos necesarios o del Pr6stamo para que el prbstamo estb al dia hasta la fecha de la venta por ejecucibn hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademAs de pagar una porcibn de los montos vencidos a travbs del tiempo. Esto puede incluir capital, interbs, cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificacibn del prbstamo es un cambio en los tbrminos originales de su prbstamo, Pr6stamo Las modificadones podrian incluir reducir su tasa de interbs, extender el tbrmino o la fecha (no por medio de pago del prbstamo, cambiar de un prbstamo de tasa de interbs ajustable a uno de tasa de HAMP) de interbs fija, diferir una parte del saldo del capital impagado al final del prbstamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prbstamo de la Administracibn Federal de Vivienda (FHA) y sus pagos (solamente estbn vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa estb disePiado para que su prbstamo este al dia mediante la creacibn de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que estA vencido. 7196 9006 9296 7419 6401 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Diseriado para ayudar a los prestatarios que califican para el Programs de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programs. HAFA ofrece Is posibilidad de una vents en Program (HAFA) descubierto y, si no tiene kito, una escritura de traspaso voluntario de propiedad en lugar de Is ejecucibn hipotecaria. Una vents en descubierto es una transacci6n en Is que usted vende su propiedad por menos de Is cantidad adeudada an el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en Is liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar Is ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de Is ejecucibn hipotecaria es una transacci6n en Is que usted estt de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar Is ejecucibn hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una vents en descubierto le podria permitir vender su vivienda pars pagar Venta previa a la Is hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor ejecucibn de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de Is vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de Is ejecucibn hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de Is ejecucibn hipotecaria, usted transfiere Is titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecucibn hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican pars HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender Is propiedad a trav6s de una vents en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PRESORT First -Class Mail PO Box Temecula, CA 92589 -9048 U Feest and Paid 2273256723 wso 20130531 -7 ��� "'I�I�' I II' I ll�llll�lll' �' Il� '�II�J�IIII��I TIFFANY A ROSE 403 Pine Road Mount Holly Springs, PA 17065 -1824 C3_1445 BLQPA2 1409108/24/2011 May 31, 2013 Account No.: TIFFANY A ROSE 403 Pine Road Mount Holly Springs, PA 17065 -1824 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear TIFFANY A ROSE, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafterwe, us or ours) on your property located at 403 Pine Road Mount Holly Springs, PA 17065, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2013 - 05/31 /2013. MonthlyCharaes: 04/01/2013 - 05/31/2013 @ $1224.78 $2,449.56 Late Charges: 04/01/2013 - 05/31/2013 @ $48.99 $97.98 Other Charaes: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $0.00 Partial Payment Balance: 0.00 TOTAL DUE: $2,547.54 Late charges and other charges have also accrued to this date in the amount of $97.98. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $2,547.54. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $2,547.54, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. 2273256723 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 6694578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc,, LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates, A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http:// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a,m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. 2273256723 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda estA obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizara compahias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar;§ cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esM disponible en el sitio de Internet: fhtto:// www .bankofamerica.com /defauitfeeW Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1 -800- 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lists de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar aue califique incluidas protecciones contra la ejecuci6n hipotecaria as! Como tambi6n ayuda en la tasa de inter6s. Para obtener mfis informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 2273256723 C3_5088 OPTAVDFC 15319 09124/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home R N. Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount I that is past due. Options to consider if you cannot or do not wish to stay in your home ................................ ....... - . .......................................... .. ........... ... M . . ... . . ... . ........ Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your service r/I ender/i nvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home M R I retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 2273256723 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informacibn de sus ingresos y gastos para que podamos discutir cueles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program (RAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo, Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suflciente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no este en malas condiciones fisicas Como para no poder habitarse incluso si no este condenada. • La hipoteca este garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademes de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificacibn de Una modificaci6n del prestamo es un cambio en los terminos originales de su prestamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente esten vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa este diseFiiado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que este vencido. 2273256723 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disefiado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una vents en Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted estb de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta an descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una yenta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una vents an descubierto, Estamos aqui para ayudarle. Por favor Ilamenos hoy. PO Box 9048 Temecula, CA 92589.9048 7196 9006 9296 7418 3791 20130531 -7 MATTHEW S DASHER 403 Pine Road Mount Holly Springs, PA 17065 C3_1445 BLQPA2 1409108/24/2011 May 31, 2013 Sent Certified Mail: 7196 9006 9296 7418 3791 Return Receipt Reauested Account Nc MATTHEW S DASHER 403 Pine Road Mount Holly Springs, PA 17065 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear MATTHEW S DASHER, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafterwe, us or ours) on your property located at 403 Pine Road Mount Holly Springs, PA 17065, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2013 - 05/31 12013. MonthlyCharaes: 04/01/2013 - 05/31/2013 @ $1224.78 $2,449.56 Late Charges: 04/01/2013 - 05/31/2013 @ $48.99 $97.98 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $0.00 Partial Payment Balance: 0.00 TOTAL DUE: $2,547.54 Late charges and other charges have also accrued to this date in the amount of $97.98. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $2,547.54. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $2,547.54, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys 10 start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. In . 7196 9006 9296 7418 3791 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 6694578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector, There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http: / /www.bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1 -800- 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNELISERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. a. 7156 9006 9296 7418 3791 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no estA obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda estb obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizara comparfias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento est6 disponible en el sitio de Internet: [ htto:// www. bankofamerica.com /defaultfees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1 -800- 669 -6607 de lunes a jueves de 8 a. m. a 11 p, m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecuci6n hipotecaria as! Como tambi6n ayuda en la tasa de inter6s. Para obtener m6s informaci6n y determiner su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1 -877- 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817 -685 -6491. 7196 9006 9296 7418 3791 C3_5088 OPTAVDFC 15319 09/2412012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home . . ....... .. . ......... r 0 Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification 'which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you ran bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home ............ jjti pion .......... ...... . ......... ........ .. Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your serviGer4enderfinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home 1 retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 7418 3791 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cu6les opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program (HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est6 en malas condiciones fisicas como para no poder habitarse incluso si no est6 condenada. • La hipoteca estA garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios o del Prdstamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, adem6s de pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hater los pagos requeridos. incumplimiento Modificaci6n de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo, Pmstamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa de HAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa est6 disetiado pars que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que est6 vencido. 7196 9006 9296 7418 3791 Opciones a considerar si no puede o no desea quedarse en su Casa Home Affordable Diseriado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una yenta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternative de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PRESORT First -Class Mail PO Box Temecula, U S CA92589 -9048 Fees tPaid 2273256721 WSQ 20130531 -7 �� I '�11� MATTHEW S DASHER 503 S Middlesex Rd Carlisle, PA 17015 -9719 C3_1445 BLQPA214091 08124/2011 May 31, 2013 Account No.: MATTHEW S DASHER 503 S Middlesex Rd Carlisle, PA 17015 -9719 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear MATTHEW S DASHER, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 403 Pine Road Mount Holly Springs, PA 17065, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2013 - 05/31 /2013. Monthly Charges: 04/01/2013 - 05/31/2013 @ $1224.78 $2,449.56 Late Charaes: 04/01/2013 - 05131/2013 @ $48.99 $97.98 Other Charaes: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $0.00 Partial Payment Balance: 0.00 TOTAL DUE: $2,547.54 Late charges and other charges have also accrued to this date in the amount of $97.98. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $2,547.54. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $2,547.54, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. if you cure the default within the thirty day period, you will not be required to pay attomey's fees. 19 M 2273256721 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 669.4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N,A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates, A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htto:// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a,m. - 11 p,m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1 -817- 685 -6491. 2273256721 J DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no estb obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todos las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizar6 compa6ias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicarS cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento est6 disponible en el sitio de Internet. f htto:// www .bankofameriGa.com /defaultfeed Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1 -800- 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p, m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lists completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lists completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecuci6n hipotecaria asi Como tambi6n ayuda en la tasa de inter6s. Para obtener mbs informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817 -685 -6491. 2273256721 C3_5088 OPTAVDFC 15319 0912412012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home ............... . . .. .... Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount I that is past due. Options to consider if you cannot or do not wish to stay in your home ................ ... . .. .. . ..... Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicerAenderAnvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale, - WE We are here to help you. Please call us today. 2273256721 Hay opciones disponibles para ayudarle a Evitar la Ejecuclo'n Hipotecaria Liame al n6mero que aparece en la notificad6n adjunta para obtener mcis informacl& Cuando (lame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cubles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa X --s-Z Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t&rminos acordados, que pueden incluir ]a reducci6n de la tasa de inter6s, agregar Program {RAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del I de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est.A en malas condiciones fisicas como para no poder habitarse incluso si no estA condenada. • La hipoteca est;A garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios o del Pr6stamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, adem.As de pagar una pord6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezr-a su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n do Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de interds, extender el t6rmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa deHAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclarno Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa estA disehado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que estA vencido. 2273256721 r ti Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Diser)ado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una venta en descubierto, Estamos aqui para ayudarle. Por favor Ilamenos hoy. VERIFICATION Jeremy Seal hereby states that he /she is Assistant Secretary of Nationstar Mortgage, LLC, servicing agent for Plaintiff, in this matter and is authorized to make this Verification. The statements of fact contained 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. Nh e: Jeremy Seal DATE: o i h glo Title: Assistant Secretary Company: Nation star Mortgage, LLC S & D FILE NO: 13- 043753 Matthew S. Dasher and Tiffany A. Rose i I FORM 1 IN THE COURT OF COMMON PLEAS OF Nationstar Mortgage LLC CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose C-, 503 South Middlesex Road Carlisle, PA 17015 S Z , _ DEFENDANTS I3 r r, Defendant(s) Civil T.. NOTICE OF RESIDENTIAL MORTGAGE FORECLOSUI? DIVERSION PROGRAM c _-c 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 with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: SHAPIRO & DeNARDO, LLC 203 Date tto eys for laintiff ASS, ESQ• PA AR # 308367 NJ BAR # 13862010 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 rovide 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 Reason for Default: Is the Loan in Bankruptcy? Yes ❑ No ❑ 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 Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: Please only include ex enses you are currently a in EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2 Ild Mortgage Utilities Car Payment(s) ) Condo/Neigh. Fees Auto Insurance Med. (not covered Auto fuel/repairs Other prop. Payment Install. Loan Payment Cable TV Child Sup ort/Alim. Spending Money Da /Child Care /Tuft. I 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: 2 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: NINE I I /We, , authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating in 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) Signature of Defendant Date FORM 3 IN THE COURT OF COMMON PLEAS OF Nationstar Mortgage LLC CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vS. Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 DEFENDANTS Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the 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. Signature of Defendant's Counsel /Appointed Date Legal Representative Signature of Defendant Date FORM 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vS. Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW, this day of , 20, 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 at M. in 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 may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant /borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff /lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff /lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for 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 Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff /lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a 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. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Defendant(s) Civil 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 with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respe y submitted: AMY GLASS, ESQ. PA BAR # 308367 NJ BAR # 13862010 Date [Signatur of C unsel for Plaintiff) 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: CUSTOM F , 1Z/1)1Z I MARY AN Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes 0 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? FINANCIAL INI'OlZMATION 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 Reason for Default: Is the Loan in Bankruptcy? Yes ❑ No ❑ 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 Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Ex enses: Please onlv include ex enses you are currentl a in EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2 Id Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Mone Da /Child Care /Tuft. 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: 2 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 m 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) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff f `1 Jody S Smith Chief Deputy Richard W Stewart f 1 Dt Solicitor :;E _ . P E r$4 S`t'I V A P4 Nationstar Mortgage LLC vs. Case Number Matthew S Dasher(et al.) 2013-5595 SHERIFF'S RETURN OF SERVICE 09/25/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 403 Pine Road, South Middleton, Mt. Holly Springs, PA 17065. Residence is vacant. 09/25/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Tiffany Rose, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 403 Pine Road, South Middleton, Mt. Holly Springs, PA 17065. Residence is vacant. 09/25/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Matthew S Dasher, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 403 Pine Road, South Middleton, Mt. Holly Springs, PA 17065. Residence is vacant. 10/24/2013 04:59 PM - Deputy Ronald Hoover, 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: Matthew S Dasher at 503 South Middlesex Road, South Middleton, Carlisle, PA 17015. �G RONALD HOOVER, DEPUTY 10/24/2013 04:59 PM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Mathew Dasher, spouse,who accepted as"Adult Person in Charge"for Tiffany Rose at 503 S. Middlesex Road, South Middleton, Carlisle, PA 17013. RONALD HOOVER, PtPUTY SHERIFF COST: $79.69 SO ANSWERS, op (�z �( �Z/� October 25, 2013 RbNW R ANDERSON, SHERIFF [cj Ci,�-:ySulte Sherrfi,'`eloosoff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 - , BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 7, co KING OF PRUSSIA, PA 19406 -r) TELEPHONE: (610)278-6800 ;A S & D FILE NO. 13-043753 T' Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO:13-5595 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $137,886.09 in favor of the Plaintiff and against the Defendants,jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of Mortgage Debt Due and Unpaid • $125,036.69 Interest accrued $5,587.56 Late Charges $126.40 Escrow Advances $4,872.69 Property Inspection $154.00 Property Preservation $835.00 Attorney Fees &Costs of Foreclosure $1,273.75 TOTAL $137,886.09 BY: Awl/ BRADLEY'. • '1;:nRNI:1,13SQUila Attorney for Plaintiff AND NOW,judgment is entered in favor of the Plaintiff and A ains D ants and damages are assessed as above in the su ef4 7 886:09 * Prb..Prothy' `c 13-043753 cLd .StpktA aJLNo/S27 ODL1ci NcYjv-e f SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS 350 HIGHLAND DRIVE CUMBERLAND COUNTY Lewisville, TX 75067 PLAINTIFF 13-5595 VS. Matthew S. Dasher and Tiffany A. Rose DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states, that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO &DeNARDO, LLC Date: OH BY: Attorneys for Plaintiff Sworn to and subscribed before me this 1 day of Q,(Ult.l , 2014. — Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Denise L.Semetti,Notary Public Upper Merlon Twp.,Montgomery County My Commission Expires July 22,2014 Member.Pennsylvania Assodatior^•"MntAr!h: Department of Defense Manpower Data Results as of:Jan-07-20,405:03:09 Center 1 SCRA 3.0 4`t_-IfI 1, Status Report Pursuant to Servicemembe s Civil.Relief Act. Last Name: DASHER First Name: MATTHEW Middle Name: S. Active Duty Status As Of: Jan-07-2014 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 r: • Left Active Duty Within 367 Da s of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA - NA No NA This response reflects where the Individual left active duty status within 367 days preceding the Active Duty Status Date • The Member or His/Her Unit Was Notified of a Future 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. 4110,1. r r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. • More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA • are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: A6H9XB68C063JA0 • Department of Defense Manpower Data Results as of:Jan-07-201405:03:34 Center i SCRA 3.0 .*t 4 4 ° a f i Status Report `' a Y fn Pursuant to Servicernernbcrs Civil Relief Act. Last Name: ROSE First Name: TIFFANY Middle Name: A. Active Duty Status As Of: Jan-07-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA 'NA t r t / No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Dar s 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 His/Her 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. Yhtint YA_ I/ f .,/ ) .....dalienip,....—e r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 • The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARS),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: N6XCSB58P063350 • . SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-5595 Matthew S. Dasher and Tiffany A. Rose DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, December 24, 2013 to the following Defendants: Matthew S. Dasher, 503 South Middlesex Road, Carlisle, PA 17015 Tiffany A. Rose, 503 South Middlesex Road, Carlisle, PA 17015 Tiffany Donnell, Legal A sistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC • • of SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY 1.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-5595 Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P.237.1 IMPORTANT NOTICE TO: Matthew S. Dasher DATE OF NOTICE: December 24,2013 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten(10)days from the date of this notice,a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. • NOTIFICACION IMPORTANTE listed se encuentra en estado de rebeldia por rid haber tornado la aecion requirida de su parte en este caso. Al no Ionia la accion dcbida dentro de on termino de dicz (10)dias de la lecha de esta notificacion. el tribuna podra, sin necesidad de.comparareeer usted in conic 0 escuchar preuba alguna, dictar sentencia en su contra, listed puede pettier bienes v otros derechos importantes. Debe Ilevar esta notilleacion a Ull abogado immediatamente. Si usted no tiene abogado o Si no tiene dinero sufieiente pant (Hi servicio, vaya en persona o liame por teletono a la ofieina cuya dircecion se encuentra eseri ma all* part ayerio.uar donde Sc puede conseguir assitencia legal: Cumberland County Lawyer RcftrraI Service Cumberland County Bar Association • 32 South Bedford Street Carlisle. PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED TnAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Matthew S. Dasher. 503 South Middlesex Road. Carlisle, PA 17015 Tiffany A. Rose. 503 South Middlesex Road. Carlisle. PA 17015 SHAPIRO & DeNARD0. 1.1,C Date: V---60 BY: ( - AtruQl:',eys for PlainiT cArmtN tO.DONNEL Y,ESQUIRE • SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY. ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S&D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-5595 Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P.237.1 IMPORTANT NOTICE TO: Tiffany A. Rose DATE OF NOTICE: December 24, 2013 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten(10)days from the date of this notice,a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. • • 4 NOTIF1CACION IMPORTANTE listed se eneuentra en estado de rebeldia por no haber tornado In action requirida de su parte en este caso. Al no tomar la aecion dcbida dentro de un termino de diez (10) dias de la fecha de esta notificacion. el trihuna podia. sin necesidad de compararecer Listed in Corte o escuchar preuba alguna. dictar sentencia en su contra. Listed puede perder biencs y otros dercchos importantes. Debe Ilevar esta notiticacion a on abogado immediatamente. Si Listed no tienc abogado o Si no tiene dinero suficiente pain till servicio, vaya en persona o Ilame por telefono a In olicina cuya direccion se encuentra escrita abajo pant averinuar donde se puede conselwir assitencio Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle. PA 17013 717-249-3166 PURSUANT TO THE FAIR DE11' COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Matthew S. Dasher. 503 South Middlesex Road. Carlisle. PA 17015 Tiffany A.Rose. 503 South Middlesex Road, Carlisle, PA 17015 SHAPIRO & DeNARDO. !WC Date: BY: Icki( A I WI Rey s for Plaintiff./ CAITLIN M.DONNELLy,ES t.UIRE SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO:13-5595 CERTIFICATE OF SERVICE I, Bradley J Osborne, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Matthew S. Dasher, 503 South Middlesex Road, Carlisle, PA 17015 Tiffany A. Rose, 503 South Middlesex Road, Carlisle, PA 17015 Date Mailed: SHAPIRO & DeNARDO, LLC Date: /-?1 BY: Attorne or Plaintiff BRAD YJ.O ORNE,ESQUIRE i ✓ f SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO:13-5595 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor(Plaintiff) is: Nationstar Mortgage LLC 350 HIGHLAND DRIVE Lewisville, TX 75067 and that the last known addresses of the judgment debtors (Defendants) are: Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 SHAPIRO & DeNARDO, LLC Date: �9�(/ BY: Attorneys for Plaintiff BRADLEY J.OSBORN$ UME 13-043753 . OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO: 13-5595 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding s ind ed ,,- ° , . x . r " 1 by Prothonota , a °' " ' [XX] Judgment by Default )101V [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY BRADLEY J OSBORNE AT(610)278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO: 13-5595 NOTICE 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 proc- ding indic below. Prothonotary vca ' "`'""' 1 [XX] Judgment by Default I I C`al / • [ ] Judgment for Possession 77 [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY BRADLEY J OSBORNE AT (610)278-6800. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO:13-5595 • CERTIFICATION AS TO THE SALE OF REAL PROPERTY I hereby certify that I am the Attorney of record for the Plaintiff in this Action against Real Property and further certify this Property is: X FHA - Tenant Occupied or Vacant Commercial As a result of a Complaint in Assumpsit That the Plaintiff has complied in all respects with Section 403 of the Mortgage Assistance Act including but not limited to: (a) Service of notice on Defendants (b) Expiration of 30 days since the service of notice (c) Defendants failure to request or appear at meeting with Mortgagee or Consumer Credit Counseling Agency (d) Defendants failure to file application with Homeowners Emergency Assistance Program. I further agree to indemnify and hold harmless the Sheriff of Cumberland County for any false statement given herein. SHAPIRO & DeNARDO, LLC Date: BY: .,413 j Att.'; for Plaintiff BRADLEY . : BORNE,ESQUIRE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment () Other C r Nationstar Mortgage LLC File No. 13 . 5Sq J PLAINTIFF Amount Due$137,886.09 rn Interest January 7, 2014 to June201 emirs ;. c $2,743.98 (J'` co -r., vs. Atty's Comm -(tic Costs n Matthew S. Dasher and Tiffany A. Rose DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) • See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: ��1 Signature: -' Print Name: Br.Iy J Osborne Address: 3600 Horizon Drive, Suite 150 Bk,\I\X,k •k3 9 6( S i King of Prussia, PA 19406 V Attorney for: Plaintiff q C q,�,Q SE Supreme Court ID #PA Bar# 312169 bS. 7 II If ti t a. . sots- - 0/.4/ No iS) t;1-6-LI OF J SHAPIRO & DeNARDO, LLC u,JA 11°410 y Aix\ BY: CHRISTOPHER A. DeNARDO, 8 Pm 2. 0$ ESQUIRE, ATTORNEY I.D. NO. 78447 C�/`�BFD, At(� CAITLIN M. DONNELLY, ESQUIRE, PtN?IS I° CatiN ATTORNEY I.D. NO. 311403 A BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO: 13-5595 AFFIDAVIT PURSUANT TO RULE 3129.1 Nationstar Mortgage LLC, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 403 Pine Road,Mount Holly Springs, PA 17065. 1. Name and address of Owner(s) or Reputed Owner(s) Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 2. Name and address of Defendants in the judgment: Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: t Nationstar Mortgage LLC 350 HIGHLAND DRIVE Lewisville, TX 75067 4. Name and address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC 350 HIGHLAND DRIVE Lewisville, TX 75067 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 403 Pine Road Mount Holly Springs, PA 17065 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. Section 4904 relating to unsworn falsification to authorities. SHAPIRO &DeNARDO, LLC BY: �_i Bradl Osborne 13-043753 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 . KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 r S & D FILE NO. 13-043753 ,�.Wi rcy • t{, �' 'CCU, Nationstar Mortgage LLC COURT OF COMMON PLEAS<".���, y PLAINTIFF CIVIL DIVISIONcP' 'r .moo, VS. CUMBERLAND COUNTY {2G' �' Matthew S. Dasher and Tiffany A. Rose 17 © p :.. DEFENDANTS NO: 13-5595 S7 ,.� NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Matthew S. Dasher 503 South Middlesex Road Carlisle, PA 17015 Your house(real estate) at: 403 Pine Road,Mount Holly Springs, PA 17065 40-30-2642-011 is scheduled to be sold at Sheriffs Sale on June 4, 2014 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$137,886.09 obtained by Nationstar Mortgage LLC against you. 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 back to Nationstar Mortgage LLC the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 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 be able to stop the sale through other legal proceedings. 4. 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 page two of 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. i 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. 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. 9. 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. 10. 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 no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the 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 the date of filing of said schedule. 11. 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 YOUR 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 13-043753 ALL THAT CERTAIN lot of ground situate in South Middleton Township, Cumberland County, Pennsylvania,bounded and described as follows: BEGINNING at a stake on the South side of Pine Road, said stake being corner of land now or formerly of William L. Smith; thence along land of said William L. Smith South 17 degrees 42 minutes East 250 feet to a stake; thence by land now or formerly of Bert L. Woodward et ux South 84 degrees 3 minutes West 134 feet to a stake; thence by land of Robert B. Murray et ux and perpendicular to said Pine Road 250 feet, more or less, to a stake on the South side of Pine Road; thence by Southern side of said Pine Road North 84 degrees 3 minutes East 80 feet to a point, the Place of BEGINNING, Improved with a one story ranch type dwelling house known as and numbered 403 Pine Road. PARCEL No. 40-30-2642-011 BEING the same premises which Dayn A. Hawbaker and Anne L. Hawbaker, husband and wife, by Deed dated November 25, 2008 and recorded December 1, 2008 in the Cumberland County Recorder of Deeds Office as Deed Instrument No. 200838328, granted and conveyed unto Mathew S. Dasher, single man and Tiffany A. Rose, single woman. I SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 . CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 . p BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169T ,-+ ., 3600 HORIZON DRIVE, SUITE 150 ' r' KING OF PRUSSIA, PA 19406 •L0 Off ° TELEPHONE: (610)278-6800 C'p ' '.. S & D FILE NO. 13-043753 1'p� Nationstar Mortgage LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Matthew S. Dasher and Tiffany A. Rose DEFENDANTS NO: 13-5595 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Tiffany A. Rose 503 South Middlesex Road Carlisle, PA 17015 Your house(real estate) at: 403 Pine Road, Mount Holly Springs,PA 17065 40-30-2642-011 is scheduled to be sold at Sheriffs Sale on June 4, 2014 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$137,886.09 obtained by Nationstar Mortgage LLC against you. 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 back to Nationstar Mortgage LLC the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 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 be able to stop the sale through other legal proceedings. 4. 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 page two of 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. I 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. 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. 9. 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. 10. 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 no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the 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 the date of filing of said schedule. 11. 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 YOUR 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 13-043753 ALL THAT CERTAIN lot of ground situate in South Middleton Township, Cumberland County, Pennsylvania,bounded and described as follows: BEGINNING at a stake on the South side of Pine Road, said stake being corner of land now or formerly of William L. Smith; thence along land of said William L. Smith South 17 degrees 42 minutes East 250 feet to a stake; thence by land now or formerly of Bert L. Woodward et ux South 84 degrees 3 minutes West 134 feet to a stake; thence by land of Robert B. Murray et ux and perpendicular to said Pine Road 250 feet, more or less, to a stake on the South side of Pine Road; thence by Southern side of said Pine Road North 84 degrees 3 minutes East 80 feet to a point, the Place of BEGINNING, Improved with a one story ranch type dwelling house known as and numbered 403 Pine Road. PARCEL No. 40-30-2642-011 BEING the same premises which Dayn A. Hawbaker and Anne L. Hawbaker, husband and wife, by Deed dated November 25, 2008 and recorded December 1, 2008 in the Cumberland County Recorder of Deeds Office as Deed Instrument No. 200838328, granted and conveyed unto Mathew S. Dasher, single man and Tiffany A. Rose, single woman. f WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-5595 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NATIONSTAR MORTGAGE LLC Plaintiff(s) From MATTHEW S. DASHER AND TIFFANY A.ROSE (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: $137,886.09 L.L.: $.50 Interest JANUARY 7,2014 TO JUNE 4,2014 IS$2,743.98 Atty's Comm: Due Prothy: $2.25 Atty Paid: $228.44 Other Costs: Plaintiff Paid: Date: 1/8/14 .Li — David D.Buell,Prothonota (Seal) B : i 4#14i i Deputy REQUESTING PARTY: Name: BRADLEY J.OSBORNE,ESQUIRE Address: SHAPIRO&DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No.312169 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043753 Nationstar Mortgage LLC PLAINTIFF VS. Matthew S. Dasher and Tiffany A. Rose DEFENDANTS :. PCl 7; 28iii 4PR 30 PH I: I C tf E R AND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:13-5595 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, Nationstar Mortgage LLC, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on February 28, 2014, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Date: 13-043753 By: SHAP R & DENARDO, LLC Meghan Williams Legal Assistant Name and Address of Sender Shapiro & DeNardo, LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406 Check type of mail or service: ❑ Certified ❑ Recorded Delivery (International) ❑ COD ❑ Registered ❑ Delivery Confirmation ❑ Return Receipt for Merchandise ❑ Express Mail ❑ Signature Confirmation ❑ Insured Affix Stamp Here (If issued as a certificate of mailing, or for additional copies of this bill) Postmark and Date of Receipt erea U.S. POSTAGE» ; v ti � { �{ 4 ,�. im.iyels. • ' ZIP 19406 � 02 b+t•,!1'_t ,fi'l 00.0 -138 �� PITNEY �� 4• BOWES ° 2014 Fee - Fee � —ter WI 362 e ..o $ 001 FEB. ee X41 28 Fee value 4,-,......-----, GEI� 4 i CO Article Number Addressee (Name, Street, City State, & ZIP Code) Postage Fee Handling Charge Actual if Actual 1. 13 -043753 MW Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 Tenant or Occupant 403 Pine Road Mount Holly Springs, PA 17065 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128 -1230 I EB 2 i 26 , ---/ ----/ AQ� 1 )z, 2. 3 4. e• .4' , Q. at 5. tion • bA 'C3 d - a U E r--r 6. ifirmation Confirm Special H n �. n J 7. �ivery Cor Signature 8. 0 Total Number of Pieces Listed by Sender 3 Total Number of Pieces Receiv-. - P. c icer •Postmaster, Per (Nam -.: ,* - rvm. •mployee) '_ See Privacy Act Statement on Reverse PS Form 3877, February 2002 (age 1 of 1) L_._ --� �!�- Eorriplete by Typewriter, Ink or Ball Point Pen SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ti aka' i sa,ar��art/4 49 ! Jody S Smith Chief Deputy ; Richard W Stewart Solicitort s E i;J 1�tLSA !!t4 Nationstar Mortgage LLC vs. Case Number Matthew S Dasher(et al.) 2013-5595 SHERIFF'S RETURN OF SERVICE 03/24/2014 02:08 PM -Deputy Dennis Fry, 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 John Rose, father, who accepted as"Adult Person in Charge"for Tiffany Rose at 503 S. Middlesex Road, South Middleton, Carlisle, PA 17013, Cumberland County. 03/24/2014 02:08 PM -Deputy Dennis Fry, 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 John Rose, father in law, who accepted as"Adult Person in Charge"for Matthew S Dasher at 503 South Middlesex Road, South Middleton, Carlisle, PA 17015, Cumberland County. 03/25/2014 07:29 PM - Deputy Dawn Kell, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 403 Pine Road, South Middleton -Township, Mount Holly Springs, PA 17065, Cumberland County. 06/04/2014 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse 1 Courthouse Square Carlisle Pa, 17013 at 1000 am on June 4, 2014. He sold the same for the sum of$1.00 to Attorney Christopher Denardo, on behalf of Nationstar Mortgage LLC , being the buyer in this execution, paid to the Sheriff the sum of SHERIFF COST: $944.74 SO ANSWERS, June 20, 2014 RONKK R ANDERSON, SHERIFF 1,5- PCS `ae% ,d - to. • /4�* 9�fo7 On January 31, 2014 the Sheriff levied upon the defendant's interest in the real property situated in South Middleton Township, Cumberland County, PA, Known and numbered as 403 Pine Road, Mount Holly Springs, as Exhibit "A" filed with this writ and by L t_.. U) this Reference incorporated herein. Date: January 31, 2014 By: (C Lc (t. &C)._ Real Estate Coordinator LXIII 16 CUMBERLAND LAW JOURNAL 04/18/14 Writ No. 2013-5595 Civil Term Nationstar Mortgage LLC vs. Matthew S. Dasher Tiffany Rose Atty.: Christopher DeNardo ALL THAT CERTAIN lot of ground situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a stake on the South side of Pine Road, said stake being corner of land now or formerly of William L. Smith; thence along land of said William L. Smith South 17 degrees 42 minutes East 250 feet to a stake; thence by land now or formerly of Bert L. Woodward et ux South 84 degrees 3 minutes West 134 feet to a stake;thence by land of Rob- ert B. Murray et ux and perpendicu- lar to said Pine Road 250 feet,more or less,to a stake on the South side of Pine Road;thence by Southern side of said Pine Road North 84 degrees 3 minutes East 80 feet to a point, the Place of BEGINNING, Improved with a one story ranch type dwelling house known as and numbered 403 Pine Road. PARCEL No. 40-30-2642-011. BEING the same premises which Dayn A. Hawbaker and Anne L. Hawbaker, husband and wife, by Deed dated November 25,2008 and recorded December 1,2008 in the Cumberland County Recorder of Deeds Office as Deed Instrument No. 200838328, granted and conveyed unto Mathew S. Dasher, single man and Tiffany A. Rose, single woman. 46 • 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: April 18, April 25 and May 2, 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. Li MarieCoyne, Ed tor SWORN TO AND SUBSCRIBED before me this 2 day of May, 2014 / _ Notary COMMONWEALTH OF PENNISYMIM NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO.,CUMBERLAND CNTY My Commission Expires Apr 28.2018 The Patriot-News Co. 2020 Technology Pkwy ' hePatriotNews Suite 300 ' Mechanicsburg, PA 17050 Now you 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 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. i 2013-5595 CM!Term PY This ad ran on the date(s)shown below: Nationstar Mortgage LLC • Vs, 04/13/14 ` Matthew S Dasher 04/20/14 Tiffany Rose // Atty: Christopher'Denardo 04/27/14 ALL THAT CERTAIN lot of ground situate in-South Middleton Township, berland County, Pennsylvania, bo ded and dat a seed as follows: S t• and sub cribed before m5' is 2 ••. of Ma 2014 . B INNING ata stake on the South Y' si f Pine Road,said stake being corner of land now or formerly of PAIP..1... ° 1 l rWilliam L.Smith;thence along land _ of said William L. Smith South 17 •ta public , degrees 42 minutes East 250 feet to a stake;thence by land now or formerly of Bert L. Woodward et ux South 84 degrees 3 minutes West 134 feet Cr,'qk,., t 1;i i,,, ...`,`,'1;. ,rs _� to a stake;thence by land of Robert (� B. Murray et ux and perpendicular f to said Pine Road 250 feet,more or I ,:•.0 ,ec.Y.% MEM t C ,;tdiv_v, ATL: 4f COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND }SS: I, Tammy Shearer, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Nationstar Mortgage LLCrtr is the grantee the same having been sold to said grantee on the 4th day of June A.D., 2014, under and by virtue of a writ Execution issued on the 8th day of January, A.D., 2014, out of the Court of Common Pleas of said County as of Civil Term, 2013 Number 5595, at the suit of Nationstar Mortgage LLC against Matthew S. Dasher& Tiffany A. Rose is duly recorded as Instrument Number 201415519. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this /7 day of o0t A.D. PZ©CY M Recorder of Deeds Rec '. Deeds,Cumberland County,Carlisle,PA My Co mission Expires the First Monday of Jan.2018