HomeMy WebLinkAbout13-7283 Supreme Court of Pennsylvania
Cout %tuof C0M t Pleas
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"'� • v"', ltCove ` ` For Prothonota Use Onll•:
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Cit; Sheet
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ON w�6% ,
CUMBFTRL"ANUII County Docket No:
77te it fortnatiotr collected on this fat in is used .solely for• court odtnini.stratiott 1rnt7toses. .This form does not
supplement or replace the filing and .set -i•ice oj' plc:adinos or otlterpopers vs reyrtir-ed by Iatr ot• ntles of coltrt.
Commencement of Action:
S ® Complaint ❑ Writ of Summons ❑ Petition
E ❑ Transfer from Another Jurisdiction ❑ Declaration of Takin
C Lead Plaintiff's Name: Lead Defendant's Name:
T CitiMort a e, Inc. Elizabeth Teves
I Are money damages requested? El Yes 0 N Dollar Amount Requested: [] within arbitration limits
Check One ❑outside arbitration limits
N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No
A Name of Plaintiff /Appellant's Attorney: Robert W. Williams, Esquire
❑ Check here if you have no attorney (are a Self - Represented IPo Sep 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
y ou consider most important.
TORT (do not include Mass Tort) CONTRACT (do not include judgments) CIVIL APPEALS
❑ Intentional ❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment
❑ Motor Vehicle
El Nuisance El Debt Collection: Other ❑Board of Elections
C) Premises Liability ❑ Dept. of Transportation
❑ Product Liability (does not include ❑Statutory Appeal: Other
mass tort) ❑ Employment Dispute:
S ❑ Slander/Libel/Defamation Discrimination
E ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board
C ❑ Other:
T MASS TORT ❑ Other:
I ❑ Asbestos
O ❑ Tobacco
N ❑ Toxic Tort - DES -- — REAL PROPERTY MISCELLANEOUS
❑ Toxic Tort —Implant
B ❑ Toxic Waste [:1 Ejectment ❑ 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:
MILSTLAD & ASSOCIATES, LLC;
BY: Robert W. Williams, Esquire 0 ��
ID No. 315501 ,
220 Lake Drive East, Suite 301 o31BERLPI VANiA��
Cherry Hill, NJ 08002 pE x5YL
(856) 482 -1400 Attorney for Plaintiff
File: 88.27591
CitiMortgage, Inc. COURT OF COMMON PLEAS
1000 Technology Drive CUMBERLAND COUNTY
O'Fallon, MO 63368,
Plaintiff,
Vs. No..
Elizabeth Teves CIVIL ACTION MORTGAGE
5 Beaver Road FORECLOSURE
Camp HIII, PA 17011,
Defendant
M
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or
by attorney and filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717 -249 -3166
800- 990 -9108
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
1. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt, or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debt or copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our offices.
t
S
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
220 Lake Drive East, Suite 301
Cherry Hill, NJ 08002
(856) 482 -1400 Attorney for Plaintiff
CitiMortgage, Inc. COURT OF COMMON PLEAS
1000 Technology Drive CUMBERLAND COUNTY
O'Fallon, MO 63368,
Plaintiff,
No..
Vs.
CIVIL ACTION MORTGAGE
Elizabeth Teves FORECLOSURE
5 Beaver Road
Camp HIII, PA 17011,
Defendant
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff, CitiMortgage, Inc. (the "Plaintiff'), is registered to conduct business in the
Commonwealth of Pennsylvania and having an office and place of business at 1000 Technology
Drive, OTallon, MO 63368.
2. Defendant, Elizabeth Teves, (the "Defendant "), is an adult individual and is the real
owner of the premises hereinafter described by virtue of a Deed dated July 29, 2004, recorded
August 5, 2004 in Deed Book 264, Page 2796. The Deed is attached hereto as Exhibit "A" and
made ,a part hereof.
3. Defendant Elizabeth Teves, upon information and belief, resides at 5 Beaver Road, Camp
HIII, PA 17011.
4. On July 29, 2004, in consideration of a loan in the principal amount of $129,900.00, the
Defendant executed and delivered to Irwin Mortgage Corporation DBA IFC Mortgage Corp. a
note (the "Note ") with interest thereon at 7.125 percent per annum, payable as to the principal
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and interest in equal monthly installments of $875.17 commencing September 1, 2004. The Note
is attached hereto as Exhibit `B" and made a part hereof.
5. To secure the obligations under the Note, the Defendant executed and delivered to
Mortgage Electronic Registration Systems, Inc., solely as nominee for Irwin Mortgage
Corporation DBA IFC Mortgage Corp a mortgage (the "Mortgage ") dated July 29, 2004,
recorded on August 5, 2004 in the Department of Records in and for the County of Cumberland
under Mortgage Book 1876, Page 1544. The Mortgage is attached hereto as Exhibit "C" and
made a part hereof.
6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded
December 28, 2012 under Instrument 201240475. The recorded Assignment of Mortgage is
attached hereto as Exhibit "D" and made a part hereof.
7. The Mortgage secures the following real property (the "Mortgaged Premises "): 5 Beaver
Road, Camp HIll, PA 17011. A legal description of the Mortgaged Premises is attached hereto
as Exhibit `B" and made a part hereof.
8. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage
because payments of principal and interest due November 1, 2012, and monthly thereafter are
due and have not been paid, whereby the whole balance of principal and all interest due thereon
have become due and payable forthwith together with late charges, escrow deficit (if any) and
costs of collection including title search fees and reasonable attorney's fees.
9. The following amounts are due on the Mortgage and Note:
Principal Balance ................. ...................$114,900.28
Accrued but Unpaid Interest from
10/1/12 to 9/30/13 .................. ......................$8,154.87
Accum Late Charges .............. ........................$525.00
BPO................................... ............................... $ 84.00
Escrow Advance Balance ...... ......................$4,364.69
f
Less Unapplied Funds ............................... - $1,029.41
Servicing Fees ......................... .........................$55.50
Property Inspections ............... ........................$108.00
TOTAL as of 09/30/2013 ........................ $127,162.93
Plus, the following amounts accrued after September 30, 2013:
Interest at the Rate of 7.125 percent per annum ($22.4292 per diem);
Late Charges per month if applicable.
10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of
the General Assembly ( "Act 91 ") of the Commonwealth of Pennsylvania, by mailing to
the Defendant at 5 Beaver Road, Camp HIII, PA 17011 on March 27, 2013, the notice pursuant
to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notice
is attached hereto as Exhibit "F" and made a part hereof.
WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for
foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9,
namely, $127,162.93, plus the following amounts accruing after September 30, 2013, to the date
of judgment: (a) interest of $22.4292 per day, (b) late charges per month if applicable, (c) plus
interest at the legal rate allowed on judgments after the date of judgment, (d) additional
attorney's fees (if any) hereafter incurred, (e) and costs of suit.
Vbert AS OCIATES, LLC
Date: 1 ` �� illiams, Esquire
Attorney for Plaintiff
'r
VERIFICATION
Linda Dearing, hereby states that he /she is employed as a Vice President — Document Control of
CitiMortgage, Inc., the 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 my information and belief.
I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating
to unsworn falsification to authorities.
By
Printed Name: Linda Dearing
Title: Vice President - Document Control
Plaintiff. CitiMortga / ge, Inc.
Date:
File #: 88.27591
Name: Elizabeth Teves
EXHIBIT
A
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RUG 5 HM 10 VI
THIS DEED,
MARE THg p t day of in the year
of our Lord two thousand and four (2004)
BETWSSN DARYLE E. RENAUT and DONNA A. RENAUT, his wife, of Carlisle,
Pennsylvania,.
Grantors,
and ELIZABETH TEVES, adult individual, of Lemoyne, Pennsylvania,
Grantee,
WITHESSETH„ that in consideration of----------------------------------
- -- -One Hundred Twenty -Nine Thousand Nine Hundred ($129,900.00) -- Dollars
in hand paid the receipt whereof is hereby acknowledged, the said
grantors do hereby grant and convey to the said grantee,
ALL THAT CERTAIN tract or parcel of land and premises, situate, lying
and being in..t.he Township of Lower Allen in the County of Cumberland and
Commonwealth of Pennsylvania, more particularly described as follows:
ACCORDING to the Plan of Cedar Run Park, dated February 15, 1955 and
recorded in Plan Book 7, Page 45, more particularly described as
follows, to wit.
BEGINNING at a point on the line of the southern edge of Beaver Road (40
feet wide) and at the line of adjoiner between Lots Nos. 24 and 25;
thence in a southerly direction said line of adjoiner for a distance of
99.88 feet to a point; thence in a westerly direction for a distance of
66.25 feet to a point; thence in a northerly direction on a line
perpendicular to Beaver Road for a distance of 100 feet to a point on
the said line of Beaver Road for a distance of 70 feet to the point and
,place of BEGINNING_
BEING Lot No. 24 on the plan of Cedar Run Park dated February 15, 1955
and recorded in the Cumberland County Recorder's Office in Plan Book 7,
Page 45.
80�K 264 PAcr, 7,qr,
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is
HAVING IURREON ERECTED a one story dwelling house known and numbered as
5 Beaver Road.
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BEING the same premises which ,Tames P. Zasadni, single person, by his
deed dated June 23, 2000 and recorded in the Cumberland County Recorder
of Deeds Office in Book 224, Page 140, granted and conveyed unto Daryle
E. Renaut and Donna A Renaut, his wife, Grantors herein.
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And the said grantors hereby covenant and agree that they will warrant
specially the property hereby conveyed.
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IN WITNESS WHEREOF, said grantors have hereunto set their hand and
seal fhe day and year first above written.
Signed, Sealed and Delivered
in the Presence of
qMZ YLE E. RENAUT
DONNA A. RENAUT
State of ��'X�`�5� `�C�N�► n�-
County If 1x `
On this, the .` ,` day of J 2004, before me,
the undersigned officer, personally appeared Daryle E. Renaut and Donna
A. Renaut, his wife, known. to me (or satisfactorily proven) to be the
persons whose names are subscribed to the within instrument., and
acknowledged that they executed same for the purposes therein contained.
IN WITNESS WHEREOF, hereunto set my hand and official seal.
NOTARIAL SEAL —al
Kristen A. Rafuse, Notary Pabiic D L e
L DwcT Paxton Twp.., Dauphin --
MxCammission expires September 1, 2007
Title of Officer.
State of -�-
ss.
County of
On this, the day of 2004, before me,
the ti ikgned officer, personally ared
known to me or tisfactorily pr ) to be the person whose name
subscribed to the ' hin ins ment, and acknowledged that
executed same for the ses therein contained.
IN WITNESS OF, eunto set my hand and official seal.
Title o ficer.
1,
six 264 PwMS
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do hereby certify that the precise residence and complete
post office address of the within named gran Tee is
Berney for .c� �1 .....
COMMONWEALTH OF PENNSYLVANIA
s3.
County of
RECORDED on this day of
A. D. 200.4, in the Recorder's office of the said County, in Deed Book
Vol. Page
Given under my hand and the seal of the said office, the date
above written.
Recorder.
S to be
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Recorder of Deeds
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EXHIBIT
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NOTE
July 29, 2004 Harrisburg PA
(Date] IC+tyl (state)
5 Heaver Rd
Camp Hill, PA 17011
11'roperly Addrml
1. BORROWER'S PROMISE, TO PAY
In return for a 10311 that I have received, I promise to pay U.S. $ 129, 900. 00 (this amount is called "Principal"),
plus interest, to the order of the Lender. The Lender is Irwin Mortgage Corporation DBA IFC Mortgage
Corp.
I will make all payments under this Note in the form of cash, check or money order.
I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Note is called the "Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly
rate of 7.125 %.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B)
of this Note:
3. PAYMENTS
i (A) Time and Place of Payments
I will pay principal and interest by making a payment every month.
I will make my monthly payment on the 1st day of each month beginning on September 1, 2004 1 will
snake these payments every month until I have paid all of the principal and interest and any other charges described below that I
may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest
before Principal, If, on August 1, 2034 1 still owe amounts under this Note, I will pay those amounts in full on
that date, which is called the "Maturity Date."
i will make my monthly payments at10500 Kincaid Drive, Fishers, IN 46038
or at a different place if required by the Note Holder.
(B) Amount of Monthly Payments
My monthly payment will be in the amount of U.S. $ 875.
4. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a
"Prepayment." When I make a Prepayment, I will tell the Note Holder to writing that I am doing so. I may not designate a
payment as a Prepayment if 1 have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my
Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the
Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my
monthly payment unless the Note Holder agrees in writing to those changes.
_3479
MULTISTATE FIXED RATE NOTE-Single Family- Fannie MasfFredrGe Mae UNIFORM INSTRUMENT
d=-6N t02071 Forth 3200 1101
VMD MORTOAOE FORMS - 180015 2 5 -7 2 91
Page 1 of 3 Initials: •$
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5. LOAN CHARGES
if a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge
shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from
me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the
Principal I owe under this Note or by making a direct payment to me. if a refund reduces Principal, the reduction will be treated
as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by die end of 15 calendar days
after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of
my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a
certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all
die interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or
delivered by other means.
(D) No Waiver By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay inunediately in full as described
above, the Note Holder will still have the right to do so if 1 am in default at a later titre.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to
be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those
expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by
delivering it or by retailing it by first class mail to me at the Property Address above or at a different address if I give the Note
Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first
class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that
different address.
S. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in
this Note, including the promise to pay the fWl amount owed. Any person who is a guarantor, surety or endorser of this Note is
also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety
or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce it rights
under this Note against each person individually or against all of us together. This means that any one of us may be required to
pay all of the amounts awed under this Note.
9. WAIVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
" Presentment" means the right to require the Note HoldeT to demand payment of amounts due. "Notice of Dishonor" means the
right to require rite Note Holder to give notice to other persons that amounts due have not been paid.
M
Form 3200 1101
(M-6N to207)
Pie 2 of 31
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,10. UNWO", SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the
Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument'), dated the same date as
this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this
Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full
of all amounts I owe under this Note. Sonic of those conditions are described as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is
not a natural person and a beneficial interest in Borrower is sold or transferred) without Gender's prior written
consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shalt give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security
Instrument without further notice or demand on Borrower.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
tX> ,air t& (,Seal) (fit)
Eliza eth Teves - Borrower - Borrower
(Seat) (Seal)
- Borrower - Borrower
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_ (Seat) — (Seal)
- Bonower - Borrower
(Seal) (Seal)
- Borrower -Borrower
- H15 ORDER OF
WIT14001' Rr- couAsE
ffS DAv Or . 20 (Sig Original OnW
&W1N MORTOAGE CORPORATION DBAIP MORTGAGE CORPORAT
_e <;" . , 1. vicE PREswENT
(M-5N 102071 page 3 of 3 Form 3200 1101
EXHIBIT
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1,EEDS
""'UN Y -pa
04 GUG 5 All 10 14
Prepared By: Return To
Irwin Mortgage Corporation
Attn: Final Documents
P.O. Box 6107
Indianapolis, IN 46206 -6107
Parcel Number:
13 -24- 0805 -111
[Space Above This Line For RecordbW Data]
MORTGAGE
MIN._
Purchase Money
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security instrument" means this document, which is datedJuly 29, 2004
together with all ]ciders to this document.
(B) "Borrower" is Elizabeth Teves, a single woman.
Borrower is the mortgagor under this Security Insmiment.
(C) "IVIERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and. assigns. MERS is the mortgagee
under this Security lus ument. MFRS is organized and existing under the laws of Delaware, and has an
addre -- om 1,1- 1...,,e number of P.O. Box 2026, Flint Ml 48501 -2026, tai. (888) 679 -MFR
PENNSYLVANIA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH ME"$ Forth 3039 1101
101 BA(PA) (woe(
Pape 7 of 18 1nWa __
VMP MORTGAGE FOAMS • (800)621 -7287
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(D) "Lender" is Irwin Mortgage Corporation DHA IFC Mortgage Corp,
Lender is a Corporation
organized and existing under the laws of State of Indiana
Lender'saddressis 10500 Kincaid Drive, Fishers, IN 46038
(E) "Note" means the promissory note signed by Borrower and dated July 2 9, 2 0 04
The Note states that Borrower owes Lender One Hundred Twenty Nine Thousand Nine
Hundred and 00/100 Dollars
(U.S. $129 , 9 00.00 } plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than August 1, 2034
(F) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property."
(G) "Loan" meaus the debt evidenced by the Note, plus interest, any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower [check box as applicable]:
Q Adjustable Rate Rider Condominium Rider [Q Second Home Rider
Balloon Rider Planned Unit Development Rider Q 14 Family Rider
VA Rider Q Biweekly Payment Rider Q Other(s) [specify]
(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non - appealable judicial opinions.
(J) "Community Association Dues, Fees, and Assessments" means alt dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
Q "Escrow Items" means those items that are described in Section 3_
(M) "Miscellaneous Proceeds" meatts any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
value and /or condition of the Property.
(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(0) "Periodic Payment' means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amounts under Section 3 of this Security Instrument.
IL . IriUa - Idt
(M- SAIPA) 102061 awe 2 of i a Form 3039 1/01
UOf(1.876PG 1545
_._.. _.... .... _
x
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Secti 2601 et seq.) and its
tmplementing re�tilation, Regulation X (24 C.P.R. Pan 350, as they tttight be amended from time to
time, or any atldtdonai or successt)r legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if We Loan does not qualify as a "fcdetaily related mortgage
loan" under RESPA.
(Q) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and
assigns of MFRS, the following described property located in the Country (Type of Recording Jurisdiction(
of Cumberland (Name of Recording Jurisdiction):
See attached legal
which currently has the address of 5 Beaver Rd
ll
Camp hill (City), Pennsylvania 17011 [Zip code]
( "Property Address"):
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a pan of the property. All replacements and
additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property." Borrower understands and agrees that MFRS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
custom, MFRS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to
take any action required of Lender including, but not limitedd to, releasing and canceling this Security
Instrument.
(O 8A(PA) 10206) pace a a m Form 3039 1101
BK 1875PG 1546
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against an
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the future, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay
interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding
principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender sha11 relieve Borrower from making payments due under
the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Nate.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrowcr to the repayment of the Periodic Payments if, and to the extent that, each payment
t oo—
IroU M6
(0 -6A(PA) MOW Page a or to Form 3039 1/01
no 1876PG 1547
a
can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of
one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary
prepayments shall be applied first to any prepayment charges and then as described .in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds ") to provide for payment of amounts due
for; (a) taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Rues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Leader may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender .may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement'
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section IS and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender tray, at any time, collect and hold Funds in an amount (a) sufficient to permit Leader to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earniugs on the Funds. Borrower and Lender can agree in writing, however, that interest
WtiN +:
NWM
6A(PA) WOW Poo. 6.1 is Form 3039 1101
BK1876PG1548
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Leader shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RFSPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if arty, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in, writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the
lien. Within 10 days of the date on. which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding, sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone
determination, certification and tracking services; or (b) a one - time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shalt also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
WOW �7.
(0- 6A(PA) (0206) Page sot is Form 3039 1/01
8lt 1876PG 1549
If Borrower fails to maintain any of the coverages described above, tender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shalt include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of .insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has bad an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shalt be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Swab insurance proceeds shall be applied in the order provided for in
Section Z.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Fender that the
insurance carrier has offered to settle a claim, then. Lender may negotiate and settle the claim. The 30-day
period will begin when the notice is given. In either event, or if Under acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
®- BAtPA! towel P.9. at to Farm 3038 1101
gK i 876PG 1550
6. Occupancy. Borrower sball occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless lender
otherwise agrees in writing, which consent shalt not be unreasonably withheld, or unless extenuating
circumstances exist which art beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. 'Whether or not. Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress ,payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
S. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protection of Lender's Interest In the Property and Rights Under this Security Instrument. If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
r'._
•6A(PA) (otor) P a . a of 1e Form 3039 1101
Div 1876PG 1551
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, 'Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect• Lender will accept, use and retain these
payments as a non- refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained., and Lender requires
separately designated payments toward the premiums for Mortgage .Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain. Mortgage Insurance in effect, or to provide a ion- refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to
these agreements. These agreements may require the mortgage insurer to make payments using any source
of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums).
As a result of time agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
4D - BA(PA) (020e) P, a 0 to Form 3039 1101
m
$�{ 1876PG 1552
1
(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of I"S or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination.
It. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Leader shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be requ to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sutras secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless 'Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, of loss in value. Any balance shall be paid to Borrower.
in the event of a partial. taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial: taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
if the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the neat sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sutras secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 14, by causing the action or proceeding to be
W-
i�r
<W- SAtPA) toms) P,a. 1a.1 16 Form 3038 1101
BK 18.76PG 1553
dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the .Property shall be
applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the stomas secured by this Security Instrument granted by Lender
to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to continence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security Instrument by reason of any demand made by the original
Borrower or any Successors in Interest of Borrower. Any ftntearance by Lender in exercising any right or
remedy . including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co -signs this Security Instrument but does not execute the Note (a "co- signer "); (a) is co- signing this
Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the
terms of this Security instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security instrument or the Note without the
co- signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such .release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then. (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. if a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct pay cm to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to
- 6 AtPA! aloes a. r of is Form 3039 1/01
g1876PGt554
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other means, Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein unless bender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located.. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shalt mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneflcial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Leader may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before We of the Property pursuant to any power of sale contained in
this Security Instrument; (b) such other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
nsstrs �.'!C
(0 - 6A(PA) tozost Pale 12 of Is Farm 303$ 1101
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_.- ...... ... ...... T _.. ._...._..__..- .- ......
agreertwetotfi (c) frays all expenses inrutx�ed.in eoft}r6ug this Sectmiy trtsttttanent, including, but not iiuoitod
to, reasomabic attorneys' fees, ;propcnc inspection mod valuation lets, and other .fees i0corred for the
pc ,post of protecting tatndoes traerest art the k'topmy and rights tuft this Suety I�rtrax a; and (d)
takes such fiction as Lender may reasonably ,,Mpire to assure that Lender's interest i ftta PMpWy and
rights under thls Security 1wrumeot, anti Hotrowet s obligation. to pay ft mms sertdred by this Swurity
lusrumem, shall continue uncbanged. Under may require that Borrower pay such reinstatement sum and
oTenses is one or more of the -folto%ing. form, as selected by Lender: (a). cash; (b) money to 4a; (c)
certified check, bank: check, traasomes cherck or casbiier's chock, provided anxy such check is drawn upon
au insdm,d.on whose deposits are mewed by a .tedetal agency. in8trun=c{ illty or entity, or (t4) Electronic
Ponds Transfer. Upon rdnstntenicnt by 130trtower, this Security Instrument and obligations &vumd bercby
ski remain fully tftCtive as, if no acceleration bad occurred. However, this right to reinstate shall trot
apply in the case of occelcratiton under Section 18.
20. We of Note; Cbtange of Loan Stcr+t?ieer; Notice of Grievtanm Tht:.Note or a partial interest In
the Nate (together with (his Security ftuumetat) can be sold ode of more times without prior .notice to
Borrower. A sale raight result in a change is the - entity (known as the "%:roan SeW=r") that collects
Periodic 'Payments due under the Note and Phis Security instrument rand perforate outer :mortgage loan
servicing obligations under the [Mote, this Security Immanent, aW. Applicable 'Law. Then also ndght be
one or mare cbsups of the loan Suvicer rrmthted to a sale of the Note, If there is a change of tits eau
Servicer, eotmwtr will be given written notice of the chute which wilt state the name trod aeldrass of the
- new Loan Serviaar, the address to which paymem should be mutle and airy athcr i filar ttl4a RMPA
requires in corurction with a notice of ranter of servicing. If tttc Note is sold and thoraf#cr the l oau is
stsMcod by a 1,oan Sesviter other than the punehascr of toe Note, am Mortgage loan setviting obltgxtiozns
to Borrower will remmin with the Loan Serviccr or be transferred to a successor Loan Serviccr and are not
a=med by the Note purchaser tactless o trwlse ; provided by the Note pmhascr..
Neither Borrower nor Wdar terry commem,. join, or be johed to any judicW action (n either an
individual litigant or the me er of a class) that atiscs from the other patty's actioto pttatsuant to this
Security Iosuateeatt or that alleges that flat other party bas bic;cW any pr3ovision'of, or any duty awed by
reason'. of this Security lnstrntu*, until such Borrower. or Lender has tuotifaed the outer ,party (with such
notice given in compliance with the rrquirewcals of Section 15) of such allaged breath and afforded. the
Other party hereto a nasousble period aver the giving of earth notice to take corrective action_ If
A.pplitabte L.aw ,provides a time period which must elapse before certain action cm be taken. that time
period will be deemed to be reasonable for purposes of this parsngr b. The ruatioe of accelcratiora and
opportuwq. to ,lltrrra
given to wer pursuant to Stetson 22 and the notice of acceleration given to
aorcower,ptrtsitant to Section. 18 shtE h e deemed to..satisfy the node and opportuniity to talc corrccdvi
action provislons of this Section 20.
21..ENz ardous Sabsunc e. As used in this Section 21: (a) ORaxardous MM WW an otiose
substances defraud as toxic or hatardous subscttaces, pollutants, or wash by Environmental Low ,and the
fonowing substances: gasoline, bmrosent, other fkamrmble or tactic petroktaan pmeluM, toxic pesUddes
and herbicides, vola6lt solvents, =tarials coutairdng asbestos or fora aldehyde, and radioactive materials;
(b) "Environmental kstw- maw kderg laws and laws of the jurisdiction where the Property is located that
ieintc to halter, safety or environmental prafttioa; (c) "RuvltonnteaW t' waW includes any respow
action, renme" action, or removal action, as do it 'Euvirouutx l Law; and (d) an *Ravi rtrmnemal
Conditiole merits a condition that can cause, ooto dbute to, or olhemin trigger an Havimmatntai
C:leMUT.
- OAIPA >'p"S) P .p 13 d fie Form 2639 1100
4s
Borrower shall not cause or permit the esence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Prope The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall. promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and an
Hazardous Substance or Environmental. Law of which Borrower has .actual knowledge, (b) any
8nvironmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (e) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section IS unless Applicable Taw provides otherwise). Lender shall notify
Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when
the default must be cured; and (d) that failure to cure the default ass fled may result in
acceleration of the sums secured by this Security Instrument, foreclosure by udicial proceeding and
sale of the L'roperty. Lender shalt further inform Borrower of the right to reinstate after acceleration
and the right to assert in the foreclosure proceeding the non-existence of a default or any other
defense of Borrower to acceleration and foreclosure. If the default Is not cured as specified, .Lender at
its option may require immediate payment in full of all sums secured by this Security Instrument
without further demand and may foreclose this Security Instrument by Judicial proceeding. Lender
shall be entitled to collect all expenses incurred In pursuing the remedies provided in this Section 22,
Including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by
Applicable Law.
23. Release. Upon payment of all sums secured by this Security Instrument, this. Security Instrument
and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge
and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge
Borrower a .fee for releasing this Security Instrument, but only if the fee is paid to a third party for services
rendered and the charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower, to the extent permitted by Applicable 'Law, waives and releases any error or
defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or
future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale,
and homestead exemption.
25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one
hour prior to the commencement of bidding at a sheriffs sale or other We pursuant to this Security
Instrument.
26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property, this Security instrument shall be a purchase money mortgage.
27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time
under the Note.
W
®- SA(PA) 107061 Pp 14 of 16 Form 3039 1101
BK 18 76PG 1 557
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
(Seas)
E1�Teves •Borrower
(Seat)
-Borrower
(Seal) ts�)
-Borrower - Borrower
(Seat) (Seat)
-Borrower - Borrower
(Seat) (Seat)
- Borrower Borrower
I► - SA(PA) moei 16.f ie Form 3039 1101
noun 1876PG1558
,
Certificate or Residence
1, do hereby certify that
the correct address of the within -named Mortgagee is P.O. Box 2026, Flint, NG 48501 -2026.
Witness my hand this" day of
Agent of Mortgagee
COMMONWEALTH OF PENNSYLVANIA, �' County ss.
On this, the al l r \ day of J , , before me, the
undersigned officer, personally appeared
known to me (or
satisfactorily proven) to be the person(si whose name( is late, subscribed to the within instrument and
acknowledged that.,Wshe /tkep executed Ste same for the purposes herein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
My Commission Expires:
NOTARIAL SEAL
Kristen A. Rafhse, Notary Public Kkk
Lower Paxton Twp., Dauphin County
My commission expires September 1, 2007
Title of Officer
Inhkis
(OVA(PAI tomes Pape to 0 Is Form 3038 1101
�t ! 876PG 1 559
�..._�..._.... 7
Exhibit "A"
Flie No. 04.344
ALL THAT CERTAIN tract or Parcel of land and premises, situate, lying and being
in the Township of Lower Allen in the County of Cumberland and Commonwealth
of Pennsylvania, more particularly described as follows:
According to the Plan of Cedar Run Park, dated February 1.5, 1955 and recorded in
Plan Book 7, page 45, more particularly described as follows, to wit:
BEGINNING at a point on the line of the southern edge of Beaver Road (40 feet
wide) and at the line of adjoiner between Lots Nos. 24 and 25; thence in a southerly
direction said line of adjoiner for a distance of 99.88 feet to a point; thence in a
westerly direction for a distance of 66.25 feet to a point; thence in a northerly
direction on a line perpendicular to Beaver Road for a distance of 100 feet to a point
on the said line of Beaver Road for a distance of 70 feet to the point and place of
BEGINNING.
BEING Lot No. 24 on the Plan of Cedar Run Park dated February 15, 1955 and
recorded in the Cumberland County Recorder's office in Plan Book 7, page 45.
HAVING thereon erected a one story dwelling house known as and numbered 5
Beaver Road.
BEING THE SAME PREMISES which DARYLE E. RENAUT and DONNA A. RENAUT,
HUSBAND AND WIFE by Deed dated 7129/04 and intended for Immediate recording In the
Office of the Recorder of Deeds in and for Cumberland, Pennsylvania, granted and
conveyed unto ELIZABETH TEVES, Mortgagor(s) herein.
i Ccr±iiy this to be recorded
County PA
k ',-
R eeorder of Deeds
EXHIBIT A TO MORTGAGE
O 1876PS 1560
EXHIBIT
D
t'
Return To:
CT LIEN SOLUTIONS
PO BOX 29071
GLENDALE, CA 81209.9071
Phone #:800 -331 -3282
Prepared By:
CITIMORTGAGE, INC
CODY CLAYTON
1000 TECHNOLOGY DRIVE, MS 321
O'FALLON, MO 63368 -2240
Parcel No: 13.24- 0805.111
ASSIGNMENT OF MORTGAGE
MERS $IS # 888 -679 -8377 MIN:���
KNOW ALL MEN BY THESE PRESENTS that Current Beneficiary: Mortgage Electronic Registration
Systems, Inc. as nominee for Irwin Mortgage Corporation DBA IFC Mortgage Corp„ whose address is
1801 E Voorhees St, Danville, IL 61834, A.O. Box 2026, Flint , MI, 48501 -2026, hereinafter Assianor the
j holder of the Mortgage hereinafter mentioned, for and in consideration of the sum of ONE DOLLAR
(51.00) lawful money unto it in hand paid by Ci0Mortgage, Inc., 1000 Technology Drive, O'Fallon, MO,
63358. Assignee at the time of execution hereof, the receipt whereof is hereby acknowledged, does
hereby grant, bargain, sell, assign, transfer and set over unto the said Assignee, its successors and
assigns, ALL THAT CERTAIN Indenture of Mortgage given and executed by Elizabeth Teves to Original
i Beneficiary: Mortgage Electronic Registration Systems, Inc. as nominee for twin Mortgage Corporation
DBA IFC Mortgage Corp., bearing the date 0712912004, in the amount of $129,900.00, said Mortgage
being recorded on 08/05/2004 in the County of Cumberland County, Commonwealth of Pennsylvania, in
Book: 1876 Page: 1544.
Being Known as Premises: 5 Beaver Rd, Camp Hill, PA, 17011
Township: Lower Allen
Description /Additional information: See Exhibit A
Together with all Rights, Remedies and incidents thereunto belonging. And all its Right, Title, Interest,
Property, Claim and Demand, in and to the same:
TO HAVE, HOLD, RECEIVE AND TAKE, all and singular the horeditamonts and premises hereby
granted and assigned, or mentioned and intended so to be, with the appurtenances unto Assignee, its
successors and assigns, to and for its only proper use, benefit and behoof forever, subject, nevertheless,
to the equity of redemption of said Mortgagor ;n the said Indenture of Mortgage named, and hWher/lheir
heirs and assigns therein.
IN WITNESS WHEREOF, the said Assignor has caused these presents to be duly executed by its
proper officers
Page k 15BM%M 2440 PA570 Cumberland County internal
I
i
f
I
I
This 12118/2012
Mortgage Electronic Reg istralio ystems, Inc. as nominee for Irwin Mortgage Corporation DBA IFC
Mortga Corp.
By:
I Cody Clayt
vice ProsieFln,
Delivered in th Presence of us;
Attest:
Krisle M. Dugger
STATE OF MISSOURI, ST. CHARLES COUNTY
On December 18, 2012 before me, the undersigned, a notary public in and for said state, personally
appeared Cody Clayton, Vice President of Mortgage Electronic Registration Systems, Inc. as
nominee for Irwin Mortgage Corporation DBA IFC Mortgage Corp. personally known to me or proved
to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within
Instrument and acknowledged to me that he /she executed the same In his/her capacity, and that by
his.%er signature on the instrument, the individual, or the person upon behalf of which the individual
acted, executed the Instrument.
Bt�t 01 MbeaW — —
Camababrod for SL Cow d
My : �� 6 N lary Public Jill Ty r
Commission Expires: 06!2012016
The precise address within named Assignee is:
i 1000 Technology Drive. O'Failon, MO, 63308
By. _
Page 0 2 3451821130 24449 PA570 Cumberland County Intema
a
i
ASSIGNMENT OF MORTGAGE
BETWEEN:
Current Beneficiary: Mortgage Electronic Registration Systems, Inc. as nominee for Irwin
Mortgage Corporation DBA iFC Mortgage Corp.
AND
CitiMortgage, Inc.
MAIL TO:
Current Beneficiary: Mortgage Electronic Registration Systems, Inc. as nominee for Irwin
Mortgage Corporation DBA IFC Mortgage Corp.
1001 E Voorhees St, Danville, IL 61634, P.O. Box 2026, Flint, MI, 48501 -2026
I I
I
i
i
I
Page 1116,12110 1 x491.111 Cumt,1110 CovMy Inlemal
Exhibit A
ALL THAT CERTAIN tract or Parcel of laud and prtrnbcs, situate, lying and being
iu the Township of Lower Allen to the County of Cumberland and Commonwealth
of Pennsylvania, more particularly described as follows:
According to the Plan of Cedar Run Park, dated February 15, 1955 and recorded In i
Plan Book 7, page 45, more particularly described as follows, to wit:
BEGINNING at a point ou the tine of the southern edge of Beaver Road (40 feet
wide) and at the fine of adjolver between Lots Nos. 24 and 25; thence in a southerly
direction said line of adjoiner for a distance of 99.88 feet to a point; thence in a
westerly direction for a distance of 66.25 feet to a point; thence to a northerly
direction on a floe perpeadfeular to Beaver Road for a distance of 100 feet to a point
an the sold Hnc of Beaver Road for a distance of 70 feet to the polot and place of
BEGINNING.
BEING Lot No. 24 on the Plan of Cedar Run Park slated February 15, 1955 and
recorded in the Cumberland County Recorder's office in Plan Book 7, page 45.
HAVING thereon erected a one story dwelling house known as and numbered 5
Beaver Road.
BEING THE SAME PREMISES which OARYLE E. RENAtIT and DO-YXA A. RFNAUT,
HUSBAND AND WIFE by Dead dated 7129104 and Intended for immediate recording In the i
Office of the Recorder of Deoda In and for Cumberland, Pennsylvania, granted and
conveyed unto ELIZABETH TEVES, mortgagor(s) heroin.
i
i
I j
i
i
i
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
I COURTHOUSE SQUARE
CARLISLE, PA 17013
717- 240 -6370 '� {
.a.
Instrument Number - 201240475
Recorded On 12/2 8/2012 At 1 1:50:56 AM *Total Pages - 5
* Instrument Type - ASSIGNM ENT OF MORTGAGE
Invoice Number - 125633 User Ill - KW
* Mortgagor - TEVES, ELIZABETH
* Mortgagee - CITIMORTGAGE INC
* Customer - CT LEIN SOLUTIONS
" FEES
STATE WR IT TAX $0,50 Certification Page
STATE JCS /ACCESS TO $23.50
JUSTXCE
RECORDI FEES - $11.50 DO NOT DETACH
RECORDSR OF DEEDS p
This p age is now
PARCEL CERTIFICATION $10.00 p g P t
FEES of this legal document.
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3.00
TOTAL PAID $50.50
j I Certify this to be recorded
in Cumberland County PA
RECORDER O D EDS
• - fafor ""ion denoted by an asterisk may change during
the verincation process and may not be renerted on this page.
I
E
i
ALL 'MAT CERTAIN tract or Parcel of land and premises, situate, lying and being
in the To- wnship of Lower Allen in the County of Cumberland and Commonwealth
of Pennsylvania, more particularly described as follows:
According to the Plan of Cedar Run Park, dated February 15, 1955 and recorded in
Plan Book 7, page 45, more particularly described as follows, to wit:
BEGINNING at a point on the line of the southern edge of Beaver Road (40 feet.
pride) and at the line of adjoiner between Lots Nos, 24 and 25; thence in a southerly
direction said line of adjoiner for a distance of 99.88 feet to a point; thence in a
westerly direction for a distance of 66.25 feet to a point; thence in a northerly
direction on a line perpendicular to Beaver Road for a distance of 100 feet to a point
on the said line of Beaver Road for a distance of 70 feet to the point and place of
BEGINNING.
BEING Lot No. 24 on the Plan of Cedar !tun Park dated February 15, 1955 and
recorded in the Cumberland County Recorder's office in Plan Book 7, page 45.
HAYING thereon erected a one story dwelling house known as and numbered 5
Beaver Road.
BEING THE SAME PREMISES which DARYLE E. RENAUT and DONNA A. RENAUT,
HUSBAND AND VtnFE by Deed dated 7/29104 and intended for immediate recording In the
Office of the Recorder of Deeds in and for Cumberland, Pennsylvania, granted and
conveyed unto ELIZABETH TEVES, Mortgagor(s) herein,
EXHIBIT
F
CidMatgago, Inc PRESORT
PO Box 9090 Rmt- Clst,s Mail
Ternec da, CA 92589 -90W U.S. Post-age and
Fees Paid
W SO
7196 9006 9296 68858 9598
Send Payments to:
CitiMcrtgage, Inc
PO Box 689196
i)m Mninas, IA 50368 -9196
I
20130327 -168
ELIZABETH TEVES
5 BEAVER RD
Send Correspondence to CAMP HILL., PA 17011 -7405
CitiMartgaga, Inc,
5400 far Coiirras Blvd.
Irving, TX 75063
CITIPAACT91
Date: 03/27/20.13 Sea Via Certified Mail
7196 9006 9296 6258 9598
ELIZABETH TEVES
5 BEAVER RD
CAMP HILL, PA 17011 -7405
RE: Property Address: 5 BEAVER RD
CAMP HILL, PA 17011
CitMortgage Loan. 9-
ACT 91 NtJT CE
TAx" 7 %.-uu ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an ofcial notice that the mortgage on your home is in default, and the lender
intends to foreclose. Speck information about the nature of the default is provided in
the attached pages.
The HOAfFOWNER'S .EMF.RGENCYMOR.T. GAGE ASSISTANCE PROGRAM
(HEMAP) pray be able to help save your hon :e. This Notice explains how the program
works..
To see if HIMAP can help, you must MEET WITHA. CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take
this Notice with you when you meet with the Counseling Agency.
The nacre, address, and phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end o f the Notice. If you have any questions, you may call
the Pennsylvania .9ousing finance Agency toll free at (800) 342 -2397. (Persons with
impaired hearing can call (717) 780- 1869).
This Notice contains important legal. information. If you have any questions,
CITIPAACT91
Page 2 of 9 7196 9006 9296 6258 9598
, l
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar associatioil
may be able to help you find a lawyer.
LA NOTiI+'ICACI6N .EN ADJUN FO ES DE SUMA EMPORTANCU1, PUSS AF'ECTA SU
DERECIIO A CONTINUAR VIVIENDO EN SU CASA. S.I NO COMPI;.ENDE EIS
CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCI6N
INMEDIA".I'ATHENTE LLAMAINDO EST.A. AGGEiNCIA (P1&NNSYLVA.WYIA IIOUSING
FINANCE AGENCY) SIN CARGOS AL NUNIERO MENCIONADO ARRIBA. PUEDE SER
ELIGIBLE PARA UN PRESI AMO POR IZA, PROGRAMA LLAVT ADO "IIOMEOR'NER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR. SU
C,.ASA DE LA PERDIDA DEL DERECHO A REDI.M.I.R SU .HIPOTECA.
HOMEOWNER'S N A M I (S): ELIGALIFFII TEVES
PROPERTY ADDRESS: 5 BEAVER RD
CAMP BILL, PA 17011
LOAN ACCT. NO.:
ORIGINAL LENDER: MWIE'V MORTGAGE CORP
CURR}rNT LCNDERiSERVICER. CitiMortgage, hic.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROs RAM
YOU .MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE ffWIG7H' CAN SAVE YOUR HOME
FROM FORECZO,VUREAND HE LP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY VITA THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1,983 (THF. "AC'17'), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE!
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
4 IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUI.RE11IFNTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
T , MPOILARY STAY OF FORECLOSURE.' - Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing)_
During that time you must arrange and attend a "face -to- face" meeting with one of the consumer crcxlit
cocaaseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITAIN
THIRTY THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR
I;.AIFRGENCY MORTGAGE ASSISTANCE,, YOU MUS T RRINf. YOUR MORTGAGE LIP TO DATE. THE
PART' OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW
TO R.RING YOUR MORTGAGE UP TO DATE.
CONSCTMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty
(30) days after the date of this meeting. The names, addresses, and telephone numbers of designated
CITIPAACT91
7196 9006 9296 6258 9598
Page 3 of 9
i
j..
consumer credit counseling agencies f'or the county in x)zich the property is located are set forth at the end of
this ,Notice. A is only necessary to schedule one face -to face meeting. Advise your lender immediately of
your intentions_
APPLICATION FOR ATORTGAG , AS:SI.S`IANCE - Your mortgage is in default for the reavons set forth
later in this Notice (see followingg pages for specific information about the nature of your default). You have
the right to apply for financial assistance from the homeowner's Emergency Mortgage.Assistance Program.
To do so, you must fill out, sign and file a completed homeowner's Emergency Assistance Program
Application with one of the 6ksignated consigner credit counseling agencies listed at the end of this Notice.
Only consumer credit counseling agencies have applications for the program, and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the
lender from filing a foreclosure action, your application MUST be fonvarded to PFIFA and received within
thirty (.30) days of your face -to -face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOOtNAS POSSIBLE. IF YOU HAYL A MEETING it'ITH
A COUNSELING AGENG WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FIL I; AiV
APPLICATION WITH PIIFA Wfl'IIIN 30 DAYS OF TRAT MEETING T HEN 777E LENDER WILL HE
TLMPORAR.ILY PREYEN.TE17 FROM S7ARTLNG A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINED ABOVE, IN TIME SECTION CALL D "TR41PORARY STAY OF FORECLOSURE."
YOU )TAPE THE RIGHT TO FI7,.E A HEnIAP APPLICATION EYrIN BEYOND THESE TIME PERIODS. A
L APPLICATION WILL NOT PREYEiNT THE LENDER FROM STARTING A FORECLOSURE ACTION,
BUT IF YOUR APPLICATION IS EVENTUALLY APP. ROYED AT ANY TIME BEFORE A SHERIFF'S SALE,
TAE FORECLOSURE R�CT L BE STOPPED.
AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be,
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to piake a decision after it receives your application. During that time.,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
CITIPAACT91
7L96 9006 9296 6258 9598
Page 4 of 9
i
NOTE: IF YOU AItF Ct7kttl iNrTLF PROTE'CTLD $Y TTIF FILING OFA PETIT XON V $AzN%kI,PTCY, THE
FOLLOI17X -6 PART OF TWS.NOTIC , IS t'OR INFORMI(770Ar PxlkPOSFV O)Vf- F,4ND STTTOIILD NOT RZ j
CON.SIOTWED AS AIV A7'X'LMPT TO COLLECT TT3'L'D.E>ITT.
(If you have filed bankruptcy, you can still apply jor.T?mergency Afortgage Assistanee.)
HOW TO CURE YOUR MORTGAGL*"DEFAULT (Bung it rip to dalr).
NATURT; OF THE DEFA UL - The MORTGAGE debt hold by the above lender on your property located at:
S I3L.AVEIZ Im
CAMP HILL, PA 17011
IS SERIOUSLY IN DE, FA U1:T because:
YOU 11A I E )VOT MADt MONTIl7YY MORTGAGE PAY_4ENTS for the following months and the fallowing amounts
are now past due:
11/01/12 through 12/01 /12
2@S1381.43/month
2 @ $43.7511ate ebargermonth
$2850.36
01/01/13 through 03 /01/13
3 @ S1356.61 /month.
3 @ $4335/late charge/month
$4201.08
Previous Late Charge(s): $43.75
Delinquency Expense(s): $81.00
Unapplied Funds: ($0.00)
TOTAL AA10ONT PAST DllE: $7,176.19
HOW TO CURZ; TIM DEFAULT - You may cw the default within THIRTY (30) DAYS of the date of this notice $Y
PAYING TILE TOTAL AMOUNT FAST DUE: TO THE LENDER, WHICHIS $7.176.19, PLUS ANYMORT GAGE
PAYMENTS AND LATF, C11ARGFS 11!lIICYBECM E DUT DURING THE THIRTY(30) DAY PERIOD. Payments
must be made either by cash, cashier's check certified checA, or money order made payable and.sent lo:
CitiMortgage, Inc.
P. 0- Box 12218
Tucson, AZ 85732 -2218
IF YOU DO NOT CURE TH'E DEFAULT - If you do not cure the default within THMTY(30) DAYS of rile date of
this Notice, the lender intends to exercise its rights to aecelerute the mortgage debt This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
irr monthly irzstrtltmEarrs. If full payment of the total amount past duels not made within YYMTY (30) DAYS, the lender
also intends to instruct its attorney's to start legal action to foreclose upon your mortgaged property.
IF THE 11'fORTGAGE TS FORECLOSED UPON- 77ue mortgaged property will be sold by the Sheriff to payoff the
mortgage debt. If the lender refers your case to its attorney's, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required ro pay the reasonable attorney's fees that were actually
incurred, zap to $50.00. However; if legal proceedings are started against you, you will have to pay all reasonable
attorneys fear actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the
amount you owe the lender, which may also include other reasonable costs_ If you care the default within the
TX IRTY (30) DAY period you will not be rewired to pay attorney's feex
OTHER LENDER REMEDTES - The lender may also sue you personally for the unpaid principal balance and all
CITIPAACT91
Page 5 of 9 7196 9006 9296 6258 9598
l
i'
other sums dare unti'er the mortgage. E
lt1Gt T 7'lt "IF it 1:4T;'bT f'RI(JIt ,7"b SffERIFP S S`ALrj - If you It r not CLO ed the defaaft wv hin the.
771TRIT (34) l rt y period and forernloixrre pwr edinga have .begun, you still have fire ,rlghf to crntX The dejarr/l 4174
Luc N the sale at &V, 6M crp fq orrr3 #wW the,�7rrsrifj'ar Sole, 7orr mmy da'. by proft the lsfrrt M"Onni fben
pcvr dire, p( cs any late -or otherr charge; then clue, rtevonable a morney s feels and c&AT rorttaechsd tvlti► dirt frrr eclq�anst
Xd4 acrd arry atlijr costs comietred 4th the Sheriff`s Sole ,& syecifred n uIriting. by ,Ift tender twd by pf0f6rnriog any i
other rrgr►irenaents undcr the morigrrge. Curing your dedaaait in the Manner Set ,16011 in this 0051 a will rexiort
your ratnrtgnge "to "tire same position As if you had ntNw defaulted:
EAR MST TfT&MY.Y' SBW)Ur'F'S iS,si1,.E,)AT ` R is cst M*tad #'hat tW earliW date that Mob 4. SbtriWs Sale: Of
the morigngccl property could be laeid would be srpprwaslrrt:witly b munths from the date; of this N011 ..A Witt Of €lac
adiaal date "of Cho Shorifl`s Sala wi l'be sent. to you befors iho sale. £!f count, 1110 amoutit,ncedcd to sore (lit default
will Werea� �3aa locrgu you 3a!ait, Year. away fifzd out; at any taaaac exactly shat: the required payaneut of action will be by
costae ting the loader.
ll DW TO CONTACT THE L Y1WERl:
Mame of Lmder: citaimortgage, Tots.
Add&s.f: P.O. BOX 12215
Tuaon „A7, &5732.1218
Phone Nr. rteher. 1 -ti 7 - 3b241T5Monday thyoupb Friday SAM, 5 PM CST. TTY Services aft ul so
av ailabla; To secew. Dial 711 from the United 81ales<s or i?ial eom
Fucrto'ltit;o.
i�nr Nirrrahrr: 1 -866- 940.8147
I
can1wPe mtr: MarkAnthpayIbMand
f'- Afirilelridret.�5s tnaa�atds ±ny:�t,arltaast(�Gits�m
Tzpl l' OF SWRYVrS SAW - You should realize that a. Shaffs Sa1e rvill.card your ownership of the m orgagtsd
property and yaw rigbi to occupy it: Tfyou c'wdouc to five in, the prolacrty after tiro Sbcr ffs Sala a iausuit to.romove
you and: your furnishiiogs and other belongings could be.slttrtcd by tl►s,:lcrrder'et ezry Eiuze.
A&SYIAfpT j0N f1F jWoRT 0,,4GF -You may not reell or transfer ymr bMc to a buyer or iraosf`"Ce who wilt 'assurm
the mortgage deM, Provi&d that .tell toes outstandiog paymaats, tharges toad sttomtYs fi= and coafs ,east ppoid prior to
or at the sale and Abet of er- reguirturaents of ihs.mortgage am Satisfied.
t;irpmofiBr
. 1196 9066 'Vita 1x25[4 5598
Ptaae G.ai 9
YOU MAY ALSO HA YS THEI RIGIfT.
TO SELL THE PROPERTY TO 013TAW MONEY TO PAY OPF THE MORTGAGE DEBTOR TO
:BORROW MONEY FROM ANOMER LENDING YNSITIMION TO PAY OFF THIS DEBT.
TO 14AVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
'l'O HAVE THE MOR'T'GAGE RE STORED THE SAME POSffION AS IF NO DEFAULT HAD
OCCURRED, If YOU CURE, THE DEFAULT, (JiOWEVER, YOU DO NOT .HAVE THIS RIGHT To
CURE YOUR DEFAULT MORE, THAN THREE TIMES IN ANY CALENDAR. YEAR-)
TO ASSE T HE NONEXISTENCE OF A DEFAULT IN A14Y F ORE C 1-0 SURE P ROCEEDING OR ANY
OTHER LAWSUIT INSTITUI'ED UNDER THE MORTGAGE DOCUNffiNTS.
TO ASSERT ANY OTHER DEI� ENSE YOU 13ELMVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
C0N,S'rjM CREDIT COUNSELING AGE'NCIES SERYFNG YOUR COUNTY CAN BF LOC ON THE
A T TA CIM b L IST
In accordance with the Fair :Debt Collection PracticesAct, Title 15, U.S.0 1642(g), you may dispute the validity of this
debt, or any portion thereof if you do so in writing within thirty (30) days after the receipt of this notice. If you dispute
the validity of this debt, or any portion thereof; within this thirty (30) days period we will provide you with written
verification thereof, otherwise the debt will be assumed to be valid.
Sincerely,
CitiMortgage, Inc.
P.O. Box 1221
Tucson, A7. 85732 -2218
C ITIPAACT91 7116 91306 9?96 6258 9598
Page 7 of 9
i.
HEMAP Consumer Credit Counseling Agencies
YORK County
Fcpmt last updated: 02/191201304:29 FM
Advantage Credit CoumelingServietYMCS of Western PA Advantage Credit Counseling Service/CCCS of Western P.A.
2000 Unpleslown Rend 55 Clover'Rill Road
Ilarrisbirg), PA 17102 Dallastown PA 1.7313
888.511 -2227 889-511-2227
Base, inc. Uousing Alliance of YorWY Housing Re-soarces
447 South Prince Street 2190 West market S L-eet
Lancaster, PA 17603 York, PA 17401
717-392-54 717-855-2752
PA Interfaith Community Progra rms Inc
40 E High Street
Oetlysburg,Rk 17325
717-334-1518
HC
Fa& 8 of9 7196 9006 4296 6258 9.59A
y 1
IMNIAI' C onsumer C redit Co unseling Ag_encics
CUMBERLAND Couaty
tapm( hsl iq)datc& OVOM1300.219 tar
Advantage Credit Counseling ServicelC:CCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1.514 Henry Stre"'t
Harrisburg, PA 17102 Harrisburg, PA 17104
8118 S t 1 -22'27 717 - 237.9757
Housing Alliance of York/Y Housing Rtsonrcfs Alaranatba,
290 West Market Stroet 43 Philadelphia Avenue
York, PA 1.7401 Waynesboro, PA 17268
717 -855 -2752 717-762-3285
PathStone Corporation PathStone Corporation
1625 North Front St 4,50 Cleveland Ave
13arrisburg, PA 17102. Charubersburg, PA 17201
717 - 234 -6616 717- 264 -5913
PA Interfaith Community Programs Inc PHFA
40E 1-Trgh Street 211 Norrh'Front Stre t
Gettysburg, PA 17325 Hanisburg, PA 17110
717 -3.34 -1.518 717- 780 -3940 800-342 -2397
i
HC
Pa r.9 oC9 7146 9006 9296 62S8 9598
i
P em w I
i r sd i
l
2271474106 i
fiayrrortti4d:
CRI!gMartr, � i
PC) ii0tTt9fi
E�tia f�r,5, MA °ifk'#G�996
7D53t�'�?7�160 �
, 1 t, a! 1 till, 11'1ll-.11lgI- 11
ELIZABETH TEVES
5 EAVER Rte
Sfindf csrer�r{�randrr�tsttvx CAMP HILL, PA 17011 - 7445
GiaA7cftgrgta, lr}sa
640011 Colims Blvd.
i
GMTIPAACT81
f•
i
{
{
t
Datz 0312712013
5 BEAVER R
1
CAw 11mL, PA 17011 -7405
RE: k roperiy Addrm. 5 BrAVER .Rn
CAMP HILT,, P.A. 1701.1. i
Citortae lroau
fl:
.ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR H FROM
FORECLOSURE
This is an of ao&cr drat the rnorigoge on your home is in default, and the lender
Wends to foredose. Specific information about tree nature of the default is provided in
Me aft shed pages.
The TUMC 0 WNER'SM&RGENCT MtnRT+G.{AGE ASSISTANCE PROG"I
(HEA AP) may he mile to bell save your home. Thix NefiCe explains how theprogrant
worlrs
To see i, f VEMAP can help, you must AMET WM A CONSIMIER CREDIT
COUNSEL.ING AGEWCY 07TH N 33 DAYS OF ME DATE OF 779S" NOTICE, Take
this .Notice with..you'when you mod with the Counseling Agency.
The nomej address acrd phone number .of Consumer Credit Coumeling Agencies ,serving
your Count y are Meal' at the end of the Nofim ff you have aM questions, you nifty call
the Pen"4vaniar flouring Finance Agen to toXfree tit (800) 342-2397. (Persons whir
Impaired hearing, can call (717) 780 - 1864).
This Notk a contaim important legal :Wormadon. Tyou have no questions.,
CMPMCM
Page 2 df s
f
representatives at the Consumer Credit Counseling Agency may be able to help eq)lain
it. You may also want to contact an attorney in your area. The local Isar association
may be able to Delp you find a lawyer.
I.A. NourICACT6N RN AD.RINT(I ES DE SUMA IMPORTANCIA, PUSS AFECI SU
DERLCHO A CONT NU.AR VIN'IENDO EN SU CASA. SI NO CO tI.PRENDE EL
CONTENIDO DE ESTA NOTI.FICACION OBTENGA UNA TRADUCCI6N
INMEDIATAMENTE LIAM nADO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AI, NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA. LLAIMADO "HOATEONVNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU
CASA DE LA PERDIDA DEL DERECHO A REDIM:IR SU IIIPOTECA.
HOMEOW'NER'S NAME(S): ELIZABEF14 TEVE,9
PROPE'RT'Y ADDRESS: 5BFAVFRRD
CAMP IIlLL, PA 17011
LOAN ACCT. NO.:
ORK' :NAL LFNDP;R: 1k`%q 4 MORTGAGR CORP
CURRENT T ENDERISERVICER: CidMortgage, Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOUJVAY BE ELIGIBLE FOR FINANCIAL .4,SSLSTA.NCE 11WICII CAN SAYE .YOUR IIt)ME
FROM FORECLOSURE AND HELP YOU MARE FUTURE MORT GAGE PAYVIF,NTS
IF YOU COMPLY WITS THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1.983 (THE - ACT"), YOU MAY BE ELIGIBLE FOREMERGENf'Y MORTGAGE
ASSISTANCE:
* IF YOUR .DEFAULT .HA.S BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLL TO PAY YOUR MORTGAGE
PAYMENTS, AND
} IF YOU MEET OTHER ELIGIBILMY REQUIREMENTS MENTTS F;STABLISIIED BY THE
PENNSYL'VANTA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE'- Under the .Act, you are entitled to a temporary stay of
foreclosure on your mortgage fbr thirty (30) dtys from the date of this Notice (Plus three (3) days for mailing).
During that tune you :oust arrange and attend a "face- to-face" meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR IVITHIN
THIRTY - THREE ( ?3) .DAYS OF THE DAZE OF THIS NOTICE. IF YOU DO NOT APPLY i-OR
EMERGENCY MORTGAGE ASSIST ANC.'E, YOU MU,5T BRING YOUR MORTGAGt, UP TO D.,4TE. THE
PART OF T HTS NOTICE CALLED "HOW TO C'UXE YOUR MORTGAGE DEFAULT" EXPLAINS HOW
TO BRING YOUR AfOR.TGAGFs UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit
counseling agencies listed e-d the end of this notice, the lender may NOT take action against you for thirty
(30) days after the date of this meeting. The names, addresses, and telephone numbers of designated
CITIPAACT91
Page 3 of 9 2c 79106
consumer credit counseling agencies for the county in which the property is located are .set forth at the end of
this Notice. It is only necessary to schedule one face -to face meeting. Advise your lender immediately of
your intentions.
I
i
A.1'PLICATION FOR MORTGAGE' ASSISTANCE - Your mortgage is in default for the reasons .set forth
later in this Notice (see following pages for speciTc information about the nature of your default). You have
the right it) apply for f nancial assistance f om the Homeoiwrer's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
Only consumer credit counseling agencies have applications for the program, and they will assist you in
submitting a complete application to the Pennsylvania Housing .Finance Agency. To temporarily stop the
lender from filing a foreclosure action, your application MOIST be forwarded to PHFA and received 1vithin
thirty (30) days ofi our face -to, face meeting with the counseling agency.
YOU SHOULD FILE A HE'MAP APPLICA ZION AS SOON AS POSSIBLE. IF YOU RA7%E A WEETING WITH
A COi'INSECING AGENCY KITIHX 33 DAYS OF TII.G POSTM4RK DATL OF T77IS NOTICE AND FILF, AN
APPLrC,47I0A' WITII' PHFA WITIHAT 30 DAYS OF THAT MWETING THEN THE LENDER RTL'L BE
TEMPORARILY PREVENTED FROM STARTLVG A FORF.C.'LOSURE AGAINST YOUR PROPEkTY, AS
EXPLtLNEDABOYTi;INTI SECTION CALLED "TE31PORARYSTAYOF FORECLOSURE
"
YOU HA YE ]HE RIGHT TO FILE A HEMAP APPLICATION .EYFAI BEYOND TIIF4E T LVF PERIODS. A
LATE APPLICATION WILL NOT PPEYENT TYIE LF.,ND.ER FROM STARTING A FoArCLOSURE ACTION,
BUT IF YOUR APPLICATION IS EYTNTVALL Y APPROYED AT ANY TIME BFFOkE A SHERIFFS SALE,
THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION - Available funds for ernergencv mortgage assistance are very limited .Them will be
disbursed by the Agency under the eligibility criteria rstahlished by the Act. The Pennsylvania Housing
Finance Agency has sixty (GO) days to make a decision after it receives your application. i)uring that time,
no foreclosure proreedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing .Finance Agency of its decision on your
application.
CITIPAACT91
Paw 4 of 9 22 714 79108
NOTE: IF YOU ARC:' Ct'i'R.RrNTL.Y PROTECTED BY TIfF, F13ING OF,4 PE, T1'7'ION INBA- AWRt1PTC�'. T1T2
FOLLOT3'ING PART OF THIS NO17CE IS F'OIt INFOXt1 IATI'ONP(JR)>OSP -,S ONLYA:1D SHOUI.1T)VOT $l;'
CONSIDL'RED AS ANA7IMIPT TO COLLECT TRW DEBT.
(If you have fried bankruptcy, you can still apply for Emergeng Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE .DEFAULT (Bring it up to dote).
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at,
5 BEAVI*R RD
CAMP S3TT.1, PA. 17011
1S SE .RIOUSLYIN DFF,4IJI T because:
YOU RA 1'E NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts
are nowptut thee:
1//01112 through 12/01/12
2 @ $1381.43 /month
2 @ $43.75 /late charge /mouth
$2850.36
01/01/13 through 03101/13
3 a $1356.61 1month
3 @ $43.75/late charge/month
$4201.08
Previous Late Charge(s): $43-75
Delinquency Lxpense(s): $81.00
Uhapplied Funds: 0
TOT14L AMOUNT PAST D(JE. $7,176.19
HOW TO CTIRE THE DEFAULT - You may stare the default within THIRTY (3 0) DAYS of the date of this notice BY
PAYING TAItw TOTAL AM 0UNT Y 4ST DUE TO TIIE L) DER, TTiNTCH IS $7 176:19, PLUS ANYMORTGACzF
PAYMF_NTSAIdDI,ATECHARGES 13WICHBF.00kF. DITEDURING.71733THIRTY(30) DAYPEMOD. Payments
must be made eithex by cash, cashier's check, cenifled check or money order made payable and sent to:
citiMortgage, lnc.
P.O. 13ox 12218
Tucson, AZ 85732 -2218
IF YOU DO NOT CURE THE DEF'ACILT - If you do not cure the default within THIRTY (30) DAYS of the dale of
this Notice, the lender intends to a ereise its rights to accelerate the mortgage debt This mewls that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
in monthly installments. If full ptryment of the total amount past due is not made. udthin 7 WY(30) DAYS the lender
also intends to instruct its atrorm2y's to start legal action to foreclose upon yorsr mortgaged property.
IF THE MORTGAGE IS FORECLOSED Z'I'ON - The mortgaged property will be sold fiv the Sheriff to pay off the
mortgage debt. rf the lender refers your case to its attorney's, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually
incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees udll be added to the.
amount you owe the lender, which may also include other reasonable costs. - If you cure the default within the
THIRTY (30) DAY period, you will trot be required to pay attomey's fees.
OTHAR LENDER R&WEDIT:S - The lender may also sue you personally for the unpaid principal balance and all
CITIPAACT91
Page 5 of 9 22 77,4 7910&
J
L I
other sums due under the mortgage.
RIGA? TO CURE THE D73f=AULT PRIOR TO .SHERIFF'S VALE - If you have not cured the default within the
TII'IltTY (30) DAY period crud foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at an} time up to one hour before Use Sheriffs Sale. You may do so by pgying the total amouunt then
past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure
sale, and any other costs connected with the .Sheriffs Sale as specified in writing by the lender and by performing any
other requirements under the mortrape. Curing your default in the manner set forth in this notice will restore
your mortgage to the same position as if you had never defaulted_
L:ARLIEST POSABL E SHERIFI "S SALE DATE - It is estimated that the eariicst date that such a Sheriff's Sale of
the mortgaged property could be held would be. approximately 6 months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
2Varne of Lender: CitiMortgage, Ike.
Address: P.O. Box 12218
'L"ucson, A% 85732 -2218
Phone 1Vumber: 1 -877- 362 -0175 Monday through .Friday S AM - 5I'M CST, TTY Services are also
available. To access: Dial 711 from the United States or )Dial 1- 866 -280 -2050 from
Pucrto 'Rico.
Fox Nuaaber: 1.866 -940 -8147
Contact Person: MarkAnthony Hartland
E-M ail Address: markanthany.b.h. artland(e citi.com
EFFL OF'SHERIP MS ,Sit LE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to Iive in the property after the Sheriffs Sale, a lawsuit to remove
you and your fwnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF "MORTGAG - You okay not sell or transfer your home to a buyer or transferee- who will assume
the mortgage debt, provided that all the outstanding payments, charges, and attorney's fz:es and costs are paid prior to
or at the sale and that other rNui.rements of the mortgage are satisfied.
CITIPAACT91
Page 6 of 9
22724 79205
r f
YOU PM Y ALSO HAYIE THE XIG91.
* . TO SELL T14F PROPERTY TO OBTAIN MONEY TO PAY OrF THE MORTGAGE DEBT OR, TO
BORROW MONEY FROM. AN0I1IEX LENDING INSTITUTION TO PAY OFF THIS DE8T.
+ TO HAVE THIS DEFAULT CUR6'0 BY ANY T14DZD PARTY ACTING ON YOUR BFIIALP.
* TO HAVE THE MORTGAGE RESTORZED TO •I°HE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE Tl3E DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE '1'HAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT TIME NONEXISTENCE OF A DE'kAULT IN ANY FORECLOSUIZ); PROCEEDING., OR ANY
OTHER LAWSUIT INST£I'U`rpa) UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTN.ER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION'BY THE
LENDER.
• TO SEEK PI{OTE'CTION UNDER TIM FEDERAL BANKRUPTCY LAW.
CONSUMER CRrDrf COUNSL'l.ING AG?E C F.S SERYINC, YOUR COUVTF CAN BE LOCA7ED ()N 7NIs
ATTACH'.t U LIST
In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1642(g), you may dispute the validity of this
debt, or any portion thereof, if you do so in writing within thirty (30) dais after the receipt of this notice. If you dispute
the validity of this debt, or any portion thereof within this thirty (.30) days period we will provide you with written
verification thereof, otherwise the debt will be .msunied to be valid
Sincerely,
CitiMortgage, Inc.
P.O. Box 12218
Tucson, AZ 85732-2218
I
CITIPAACT91
Page 7 of 9 22714 74108
I EMAP Consumer Credi Counsel Agencies
YORK County
Reportlast updated :OV1972n13 PM
Advantage Credit Counseling Servke/CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA
2000 Linglestown Road 55 Clover hill Road
Harrisburg, PA 17102 Dallastown, PA 17313
888 -511 -2227 888 -511 -2227
'Base, Inc. Housing Alliance of York/Y Housing Resources
447 South Prince Street 290 West Market Street
Lancaster, PA 17603 York, PA 17401
717- 392 -5467 717 - ,855 -2752
PA Interfaith Community Programs Inc
40 Pi high street
Gettysburg, PA 17325
tom'
HC
Page of 2271479108
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated: 0211912013 0 4:29 PM
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Deny Street
Harrisburg, PA 17102 Harrisburg, PA 17104
888 - 511 -2227 717- 232 -9757
Housing Alliance of York/Y Housing Resources Maranatha
290 West Market Street 43 Philadelphia Avenue
York, PA 17401 Waynesboro, PA 17268
717- 855 -2752 717 - 762 -3285
PathStone Corporation PathStone Corporation
1625 North Front St 450 Cleveland Ave
Harrisburg, PA 17102 Chambersburg, PA 17201
717 -234 -6616 717 -264 -5913
PA Interfaith Community Programs Inc PHFA
40 E High Street 211 North Front Street
Gettysburg, PA 17325 Harrisburg, PA 17110
717 -334 -1518 717- 780 -3940 800 - 342 -2397
HC
Page 9 of 9
1664 — THE FROTHMP;N� s
Nil DEC 10 AMARUI
CitiMortgage, Inc. CUMBERLAND COUNTY THE COURT OF COMMON PLEAS
1000 Technology Drive PENNSYLVANIA! CUMBERLAND COUNTY,
O'Fallon, MO 63368, PENNSYLVANIA
y
Plaintiff,
Vs. J VIL
Elizabeth Teves
5 Beaver Road
Camp HIII, PA 17011,
Defendant
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE
DIVERSION PROGRAM
You have been served with a foreclosure complaint that could cause you to lose your
home.
If you own and live in the residential property which is the subject of this foreclosure
action, you may be able to participate in a court- supervised conciliation conference in an effort to
resolve this matter with your lender.
If you do not have a lawyer, you must take the following steps to be eligible for a
conciliation conference. First, within twenty (20) days of your receipt of this notice, you must
contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension
2510 and request appointment of a legal representative at no charge to you. once you have been
appointed a legal representative, you must promptly meet with that legal representative within
twenty (20) days of the appointment date. During that meeting, you must provide the legal
representative within twenty (20) days of the appointment date. During that meeting, you must
provide the legal representati wi 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
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
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.
ect 11 sub 'tted:
Date R bert W. Williams, Esquire
Milstead & Associates, LLC
220 Lake Drive East, Suite 301
Cherry Hill, NJ 08002
856- 482 -1400
856- 482 -9190 (f)
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
THE COURTS 1665
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Financial Worksheet
Date
Cumberland County Court of Common Pleas Docket #
BORROWER REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your circumstances
to determine possible options while working with your
Please provide the following information to the best of your knowledge:
CUSTOMER /PRIMARY APPLICANT
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?
CO-BORROWER
Mailing Address:
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household: How long?
FINANCIAL INFORMATION
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 ❑
88.27591
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
1666 THE COURTS
If yes, provide names, location of court, case number & attorney:
Assets Amount Owed Value
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile #1: Model: Year:
Amount Owed: Value:
Automobile #2: Model: Year:
Amount Owed: Value:
Other transportation (automobiles, boats, motorcycles): Model:
Year: Amount Owed: Value
Monthly Income
Name of Employees:
1.
2.
3.
Additional Income Description (not wages):
1. monthly amount:
2. monthly amount:
Borrower Pay Days: Co- Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently paying)
EXPENSE AMOUNT EXPENSE AMOUNT
Mortgage Food
2 nd Mortgage Utilities
Car Payment(s) Condo/Neigh. Fees
Auto Insurance Med. (not covered)
Auto fuel/repairs Other prop. payment
Install. Loan Payments
Child Su ort/Alim. Spending Money
Day /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:
88.27591 2
PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012
THE COURTS 1667
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance?
Yes ❑ No ❑
If yes, please indicate the status of the application:
Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your
delinquency?
Yes ❑No❑
If yes, please indicate the status of those negotiations:
Please provide the following information, if know, regarding your lender or lender's loan servicing company:
Lender's Contact (Name): Phone:
Servicing Company (Name):
Contact: Phone:
AUTHORIZATION
I/We, , authorize the above
named to use /refer this information to my lender /servicer for the sole purpose of
evaluating my financial situation for possible mortgage options. UWe understand that Uwe 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 1,r
Jody S Smith
Chief Deputy 18 F `$
Richard W Stewart
Solicitor {;U M FC LA D C0 I.J
P1-7NNSYLVANIA
Citimortgage Inc.
vs. Case Number
Elizabeth Teves 2013-7283
SHERIFF'S RETURN OF SERVICE
12/12/2013 10:54 AM - Deputy Brian Grzyboski, 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:
Elizabeth Teves at 5 Beaver Road, Lower Allen, Camp Hill, PA 17011
'L —q-, A��- — 3/
BRIAN GRZY PLITY
SHERIFF COST: $44.95 SO ANSWERS,
December 13, 2013 RbNW R ANDERSON, SHERIFF
MILSTEAD &ASSOCIATES, LLC
BY: Robert W. Williams, Esquire '
FE3
ID No. 315501
1 E. Stow Road R L t°, dU COUNT',,
Marlton,NJ 08053 PENnS'YL'61 NIA
(856) 482-1400
Attorney for Plaintiff
File Number: 88.27591
CitiMortgage,Inc. COURT OF COMMON PLEAS
1000 Technology Drive CUMBERLAND COUNTY
O'Fallon, MO 63368,
Plaintiff,
Vs. No.: 13-7283 Civil
Elizabeth Teves
5 Beaver Road
Camp HIll,PA 17011,
Defendant
PRAECIPE FOR JUDGMENT,INREM, FOR FAILURE TO
ANSWER AND ASSESSMENT OF DAMAGES
TO THE PROTHONOTARY:
Kindly enter Judgment, in rem, in favor of Plaintiff and against Elizabeth Teves, Defendant, for
failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for
Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows:
As set forth in Complaint $127,162.93
Interest 10/1/13 through 02/21/14 $3,228.48
Escrow Advances $1,112.80
TOTAL $131,504.21
1 hereby certify that(1) the addresses of the Plaintiff and Defendant is as shown above
and(2)that notice has been given in accordance w' u 237.1. co y attached.
Robert W. Williams, Esquire
Attorney for Plaintiff
DAMAGES A B
RE HE Y ASSESSED AS INDICATED
t�
DATE:
PROTHONOTARY
g14Sa ��a
26 ad7tO
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams,Esquire
ID No. 315501
1 E. Stow Road
Marlton,NJ 08053
(856)482-1400
Attorney for Plaintiff Our file number: 88.27591
CitiMortgage,Inc., COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
No.: 13-7283 Civil
Vs. '
Elizabeth Teves,
Defendant '
TO: Elizabeth Teves
5 Beaver Road,
Camp HIII, PA 17011
DATE OF NOTICE: February 11,2014
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE 1S
SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO
HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT
PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY,THIS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO
COLLECT A DEBT,BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY.
IMPORTANT NOTICE
You are in default because you have failed to enter a written appearance personally or by
attorney and file in writing with the court your defenses or objections to claims set forth against
you. Unless you act within ten(10) days from the date of this notice, a judgment may be entered
against you without a hearing and you may lose your property or other important rights. You
should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the
office set forth below. This office can provide you with information about hiring a lawyer. If
you cannot afford to hire a lawyer,this office may be able to provide you with information about
agencies that may offer legal services to eligible persons at a reduced fee or no fee.
Page 1 of 3
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
MILSTEAD &ASSOCIATES,LLC
By: Robert W. Williams,Esquire
ID No. 315501
Attorney for Plaintiff
Page 2 of 3
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
Prothonotary
To: Elizabeth Teves
5 Beaver Road
Camp HIII, PA 17011
CitiMortgage, Inc., COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
No.: 13-7283 Civil
Vs.
Elizabeth Teves, ,
Defendant '
NOTICE PURSUANT TO RULE 236
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
Judgment has been entered against you in the above proceeding as indicated below.
Prothonotary
MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
Robert W. Williams, ESQ. 315501
MILSTEAD & ASSOCIATES, LLC .. .
856-482-1400
Notice Pursuant To Fair Debt Collection Practices Act
This is an attempt to collect a debt and any information obtained will be used for that purpose.
MILSTEAD &ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road
Marlton,NJ 08053
(856) 482-1400
Attorney for Plaintiff
File Number: 88.27591
CitiMortgage, Inc., COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
Vs. No.: 13-7283 Civil
Elizabeth Teves,
Defendant
VERIFICATION OF NON-MILITARY SERVICE
Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the
above-captioned matter, and verifies the following facts to the best of his information and belief:
1. inquiry has been made with the Department of Defense, and it has been determined that
Defendant is not in the Military or Naval Service of the United States or its Allies, and/or does
not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§
501
2. defendant, Elizabeth Teves, is over 18 years of age, .
DATE: 2 Z�f Z".W,
Robert W. Williams, Esquire
Department of Defense Manpower Data Center Results as of:Feb-24-2014 05:10:47 AM
SCRA 3.0
Status Repoli
Pursuant to Service-members Civil Relief Act
Last Name: TEVES
First Name: ELIZABETH
Middle Name:
Active Duty Status As Of: Feb-24-2014
On Active Duty On Active D uty Status Date
Active Duty Start Date Active Duty End Date Status Service Component
NA NA No NA
This response reflects the individuals'active.duty status based on the Active Duty Status Date
Left Active Duty Within 367 Days of Active Duty Status Date -
Active Duty Start Date Active Duty End Date Status Service Component
NA - NA No NA
This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date
The Member or Hishier 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,NOAH,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.
+�'
Mary M.Snavely-Dixon,Director
Department of Defense-Manpower Data Center
4800 Mark Center Drive,Suite 04E25
Arlington,VA 22350
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road
Marlton,NJ 08053
(856) 482-1400
Attorney for Plaintiff
File No. 88.27591
CitiMortgage,Inc. COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
No.: 13-7283 Civil
Vs. i
CIVIL ACTION
Elizabeth Teves MORTGAGE FORECLOSURE
Defendant
CERTIFICATE OF SERVICE
1, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage
Foreclosure was served upon Defendant, Elizabeth Teves on December 12, 2013 by the
Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part
hereof as Exhibit"A".
I verify that the statements made in this affidavit are true and correct to the best of my
personal knowledge or information and belief. I understand that false statements herein are
made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities.
'Zkee�foo
Robert W. Williams, Esquire
Attorney for Plaintiff
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
�¢tttttr nC t:m aaa(,r�l7jrd C,R tl I f 1,1011
Jody S Smith
Chief Deputy `.
Richard W Stewart
Solicitor a =: H� ,s r:�G :,UME—HlAND COUHT''
PENNSYLVANIA
Citimortgage Inc.
Case Number
vs.
Elizabeth Teves 2013-7283
SHERIFF'S RETURN OF SERVICE
12112/2013 10:54 AM-Deputy Brian Grzyboski, 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:
Elizabeth Teves at 5 Beaver Road, Lower Allen, Camp Hill, PA 17011
BRIAN GRZY PUTY
SHERIFF COST: $44.95 SO ANSWERS,
December 13,2013 RbNW R ANDERSON, SHERIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CitiMortgage, Inc., CIVIL ACTION
Plaintiff,
Vs. ; NO.: 13-7283 Civil
Elizabeth Teves, PRAECIPE FOR WRIT OF EXECUTION
Defendant (Mortgage Foreclosure)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
1. Directed to the Sheriff of Cumberland County;
2. Against the Defendant(s) in the above-captioned matter; - =
; rr)
3. and index this writ against the Defendant(s) as follows:
cis r`y
Elizabeth Teves r`
Real Property involved: 5 Beaver Road =- _
Camp Hill, PA 17011
Amount Due $131,504.21
Interest from 2/22/14 to Date of Sale
at$22.42 per diem(6%)
TOTAL
(Costs to be added) 0.8.9 ,pD q-rry
Respectively submitted, •�5 OBE"
103.75
Milstead& ssociates, LLC U0,50
DATE: /I: I L J'Lüi1
�� , # 143.`7D - PO AM/
Ro s ert W. Williams, Esquire
Attorney for Plaintiff
1 E. Stow Road
Marlton,NJ 08053 4a cL5
(Juc%CG
.50 LA-
145q
0303 a1 LI
ut)64-4aukci
MILSTEAD & ASSOCIATES, LLC
BY Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road % m I: Y
Marlton,NJ 08053
(856)482-1400 AND COUNTY
T\1
Attorney for Plaintiff
File Number: 88.27591
CitiMortgage,Inc., COURT OF COMMON PLEAS
Plaintiff, CUMBERLAND COUNTY
Vs.
No.: 13-7283 Civil
Elizabeth Teves, AFFIDAVIT OF SERVICE
Defendant PURSUANT TO RULE 3129.1
CitiMortgage, Inc., Plaintiff in the above entitled cause of action, sets forth as of the date
the praecipe for writ of execution was filed the following information concerning the real
property located at 5 Beaver Road, Camp Hill, PA 17011:
1. Name and address of Owners(s) or Reputed Owner(s):
Elizabeth Teves
5 Beaver Road
Camp Hill, PA 17011
2. Name and address of Defendant(s) in the Judgment:
Same as above
3. Name and address of every judgment creditor whose judgment is a record lien on the real
property to be sold:
CitiMortgage, Inc.
(Plaintiff herein)
1000 Technology Drive
O'Fallon, MO 63368
4. Name and Address of the last recorded holder of every mortgage of record:
CitiMortgage, Inc.
(Plaintiff herein)
1000 Technology Drive
O'Fallon, MO 63368
5. Name and address of every other person who has any record lien on the property:
None Known
6. Name and address of every other person who has any record interest in the property and
whose interest may be affected by the sale:
None Known
7. Name and address of every person of whom the plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
Tenant/Occupant Department of Domestic Relations
5 Beaver Road Cumberland County Courthouse
Camp Hill, PA 17011 13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare Lower Allen Township Tax Office
P.O. Box 2675 2233 Gettysburg Road
Harrisburg, PA 17105 Camp Hill, PA 17011
Cumberland County Tax Bureau West Shore School District
21 Waterford Drive, Suite 201 507 Fishing Creek Road
Mechanicsburg, PA 17050 P.O. Box 803
New Cumberland, PA 17070
I verify that the statements made in the Affidavit are true and correct to the best of my
personal knowledge or information and belief. I understand that false statements herein are
made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to
authorities.
<1-21,,,,d,a.„„
Robert W. Williams, Esquire
/l LA /�� Attorney for Plaintiff
Date:
NOTICE OF SHERIFF'S SALE
OF REAL PROPERTY
TO: ALL PARTIES IN INTEREST AND CLAIMANTS
OWNER(S) Elizabeth Teves
PLAINTIFF/SELLER: CitiMortgage, Inc.
DEFENDANT(S): Elizabeth Teves .,-
v; •
PROPERTY: 5 Beaver Road r-
Camp Hill, PA 17011
(Improvements erected thereon) 'fi= ='
JUDGMENT AMOUNT: $131,504.21
CUMBERLAND COUNTY
No.: 13-7283 Civil
The above captioned property is scheduled to be sold at Sheriff's Sale on September 3,
2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse,
Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be
extinguished by the sale. You may wish to attend the sale to protect your interest.
A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff
not later than 30 days after the sale. Distribution will be made in accordance with the schedule
unless exceptions are filed hereto within 10 days after the filing of the schedule.
Sincerely,
t
Robert W. Williams, Esquire
MILSTEAD & ASSOCIATES, LLC
1 E. Stow Road
Marlton,NJ 08053
88.27591
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
iL t s 2 1$
ID No. 315501
1 E. Stow Road r� !U C U l^►
Marlton,NJ 08053 I E N I_S`(LV a II I A
(856)482-1400
File Number: 88.27591 Attorney for Plaintiff
CitiMortgage, Inc., COURT OF COMMON PLEAS
Plaintiff, CUMBERLAND COUNTY
Vs. No.: 13-7283 Civil
Elizabeth Teves, NOTICE OF SHERIFF'S SALE OF
Defendant REAL PROPERTY PURSUANT
TO PA.R.C.P.3129
TAKE NOTICE:
Your house (real estate) at 5 Beaver Road, Camp Hill, PA 17011, is scheduled to be sold
at sheriff's sale on September 3,2014 at 10:00 am in the Commissioner's Hearing Room,
Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of
$131,504.21 obtained by CitiMortgage, Inc..
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To Prevent this Sheriff's Sale you must take immediate action:
1. The Sale will be cancelled if you pay to Milstead&Associates LLC,Attorney for
Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how
much you must pay, you may call 856-482-1400.
2. You may be able to stop the Sale by filing a petition asking the court to strike or open
the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone
the Sale for good cause.
3. You may also be able to stop the Sale through other legal proceedings. You may need
an attorney to assert your rights. The sooner you contact one,the more chance you will have of
stopping the Sale. (See notice on following page on how to obtain an attorney).
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder.
You may find out the bid price by calling Milstead &Associates at 856-482-1400.
2. You may be able to petition the Court to set aside the Sale if the bid price was grossly
inadequate compared to the market value of your property.
3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the
Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner
of the property as if the Sale never happened.
5. You have a right to remain in the property until the full amount due is paid to the
Sheriff and the Sheriff gives a Deed to the Buyer. At that time,the Buyer may bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was paid for your house. A
Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date
specified by the Sheriff not later than thirty days after the sale. This schedule will state who will
be receiving that money. The money will be paid out in accordance with this schedule unless
exceptions(reasons why the proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after.
7. You may also have other rights and defenses, or ways of getting your house back, if
you act immediately after the Sale.
YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
88.27591
ALL THAT CERTAIN TRACT OR PARCEL OF LAND AND PREMISES, SITUATE,
LYING AND BEING IN THE TOWNSHIP OF LOWER ALLEN IN THE COUNTY
OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, MORE
PARTICULARLY DESCRIBED AS FOLLOWS:
ACCORDING TO THE PLAN OF CEDAR RUN PARK, DATED FEBRUARY 15,
1955 AND RECORDED IN PLAN BOOK 7, PAGE 45, MORE PARTICULARLY
DESCRIBED AS FOLLOWS, TO WIT:
BEGINNING AT A POINT ON THE LINE OF THE SOUTHERN EDGE OF BEAVER
ROAD (40 FEET WIDE)AND AT THE LINE OF ADJOINER BETWEEN LOTS NOS.
24 AND 25; THENCE IN A SOUTHERLY DIRECTION SAID LINE OF ADJOINER
FOR A DISTANCE OF 99.88 FEET TO A POINT; THENCE IN A WESTERLY
DIRECTION FOR A DISTANCE OF 66.25 FEET TO A
POINT; THENCE IN A NORTHERLY DIRECTION ON A LINE PERPENDICULAR
TO BEAVER ROAD FOR A DISTANCE OF 100 FEET TO A POINT ON THE SAID
LINE OF BEAVER ROAD FOR A DISTANCE OF 70 FEET TO THE POINT AND
PLACE OF BEGINNING.
BEING LOT NO. 24 ON THE PLAN OF CEDAR RUN PARK DATED FEBRUARY
15, 1955 AND RECORDED IN THE CUMBERLAND COUNTY RECORDER'S
OFFICE IN PLAN BOOK 7, PAGE 45.
HAVING THEREON ERECTED A ONE STORY DWELLING HOUSE KNOWN
AND NUMBERED AS 5 BEAVER ROAD.
Title to said Premises vested in Elizabeth Teves by Deed from Daryle E. Renaut and
Donna A. Renaut, his wife dated 7/29/2004 and recorded on 8/5/2004 in the Cumberland
County Recorder of Deeds in Instrument No. 2004-031831, Book 264,page 2796.
Being known as 5 Beaver Road, Camp Hill,PA 17011
Tax Parcel Number: 13-24-0805-111
° c THE COURT OF COMMON PLEAS
`A , CUMBERLAND COUNTY PA
°' PROTHONOTARY
� . � „ Z DAVID D. BUELL,
VSO 1J 0 One Courthouse Square • Suite100 • Carlisle,PA • 17013
(717)240-6195
www.ccpa.net
CITIMORTGAGE,INC.
Vs. NO 2013-7283 Civil Term
CIVIL ACTION—LAW
ELIZABETH TEVES
WRIT OF EXECUTION
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell
the following described property:
(1) See legal description.
(2) (Specifically describe personal property when judgment results from a mortgage covering
both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code)
NOTE: Description of property must be attached to the writ.
Amount Due: $131,504.21 L.L.: $.50
Interest FROM 2/22/14 TO DATE OF SALE AT$22.42 PER DIEM(6%)
Atty's Comm: Due Prothy: $2.25
Atty Paid: $193.70 Other Costs:
Plaintiff Paid:
Date: MARCH 20,2014 ;i _ _ • /
David D. Buell,Prothonotary
(Seal)
Deputy
REQUESTING PARTY:
Name: ROBERT W.WILLIAMS,ESQUIRE
Address: MILSTEAD& ASSOCIATES,LLC
1 E. STOW ROAD
MARLTON,NJ 08053
Attorney for: PLAINTIFF
Telephone: 856-482-1400
Supreme Court ID No.315001
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road
Marlton, NJ 08053
(856) 482-1400
Attorney for Plaintiff
File No. 88.27591
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Federal National Mortgage Association,
Plaintiff,
vs.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No.: 13-7283 Civil
' Elizabeth Teves
AFFIDAVIT PURSUANT TO
Defendant ' Pa.R.C.P. 3129.2
I, Robert W. Williams, Esquire, say:
1. On June 16, 2014, a copy of the Notice of Sheriffs Sale of Real Property was served
upon the defendant, Elizabeth Teves, by the Sheriffs Office of Cumberland County. Copies of
the Sheriff's returns are attached hereto and made a part hereof as Exhibit "A".
2. On April 4, 2014, a notice of Sheriffs Sale was served upon lien holders of record and
interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and
made a part hereof as Exhibit "B".
I verify that the statements made in this affidavit are true and correct to the best of my
personal knowledge or information and belief I understand that false statements herein are
made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities.
Robert W. Williams, Esquire
Attorney ID No. 315501
Milstead and Associates, LLC
Dated: JulyQ\ , 2014
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
s 0ox at %t€iaGr1lfr,�6
R9rFIC'a
Citimortgage Inc.
vs.
Elizabeth Teves
Case Number
2013-7283
SHERIFF'S RETURN OF SERVICE
06/16/2014 08:47 PM - Deputy Dawn Kell, being duly sworn according to law, states service was performed by
posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the
above titled action, upon the property located at 5 Beaver Road, Lower Allen - Township, Camp Hill, PA
17011, Cumberland County.
06/16/2014 08:47 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Real Estate Writ,
Notice and Description, in the above titled action, by making known its contents and at the same time
personally handing a true copy to a person representing themselves to be the Defendant, to wit:
Elizabeth Teves at 5 Beaver Road, Lower Allen, Camp Hill, PA 17011, Cumberland County.
SHERIFF COST: $954.24
July 08, 2014
ic1CounftSurte Sheriff.Teteosoft.Inc.
SO ANSWERS,
DER
INDICATE TYPE OF MAIL
CHECK APPROPIATE BLOCK FOR POSTMARK AND DATE OF RECEIPT
MILSTEAD & ASSOCIATES, LLC
1 East Stow Road
Marlton, NJ 08053
X Certificate Mailing
0 Insured
0 COD
0 Certified Mall
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APR 042014
CODE 08053
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CitiMortgage, lnc,
1000
Mallon, MO 63368
2
ccupanyDrive
Tenant/Occupant
5 Beaver Road
Camp Hill, PA 17011
3
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box 2675
Harrisburg, PA 17105
4
Cumberland County Tax Bureau
21 Waterford Drive, Suite 201
Mechanicsburg, PA 17050
6
Department of Domestic Relations
Cumberland County Courthouse
13 N. llanover Street
Carlisle, PA 17013
8
Lower Allen Township Tax Office
2233 Gettysburg Road
Camp Hill, PA 17011
7
West Shore School District
507 Fishing Creek Road
P.O. Box 803
New Cumberland, PA 17070
8
9
10
Total Number of Pieces Listed by
Sender
7
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POSTMASTER, PER . --..n.
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The full declaration of value Is required on all domestic and
International registered mall. The maximum indemnity payable for
nonnegotiable documents under Express Mall document
reconstruction insurance is $50,000 per piece subject to a limit of
$50,000 per occurrence. The maximum indemnity payable on
Express Mall merchandise insurance is $500. The maximum
indemnity payable is $25,000 for Registered Mail, $500 for COD
and $500 for Insured Mail: Special handling charges apply only to
Third- and Fourth -Class parcels. Special delivery service also
Includes special handling service.
PS FORM 3877
Page 1 of 1
86.27691/Teves Notice of Sale
FOR RSQ,ISTERED, INSURED, C.O.D., CERTIFIED,
MILSTEAD & ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road
Marlton, NJ 08053
(856) 482-1400
Attorney for Plaintiff
File Number: 88.27591
ED -OFF
l E PROMO iii
alis AUG 13 FM3:1I
CUPgNNSYLVAN A COUNTY
CitiMortgage, Inc.,
Plaintiff,
vs.
Elizabeth Teves,
Defendant
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No.: 13-7283 Civil
PRAECIPE TO MARK JUDGMENT
TO THE USE OF ASSIGNEE
Kindly mark the judgment in the amount of $131,504.21 to the use of Federal National
Mortgage Association.
Rdbert W. Williams, Esquire
Attorney for Plaintiff
Dated: July 2014
$4.5o PQ P`riY
!P 131403
5o97? 7
Inst. II 201412455 - Page 4 of 4
TAMMY SB PARER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
717-240-6370
Instrument Number - 201412455
Recorded On 6/13/2014 At 8:38:32 AM
* Instrument Type - ASSIGNMENT OF MORTGAGE
Invoice Number - 162715 User ID - SW
* Mortgagor - TEVES, ELIZABETH
*Mortgagee - FEDERAL NATIONAL MTG ASSOC
* Customer - SIM:PLUME LC E -RECORDING
"FEES
STATE WRIT TAX $0.50
STATE JCS/ACCESS TO $23.50
JUSTICE
RECORDING FEES - $11.50
RECORDER OF DEEDS
PARCEL CERTIFICATION $15.00
FEES
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3.00
TOTAL PAID $55.50
*Total Pages - 4
Certification Page
DO NOT DETACH
This page is now part
of this legal document.
I Certify this to be recorded
in Cumberland Coun
RECORDER OF DEEDS
* Information denoted by an asterisk may change during
the verification process and may not be reflected on this page.
Inst. # 201412455 - Page 1 of 4
Prepared By / Return To:
E.LancefNTC, 2100 Alt. 19 North,
Palm Harbor, FL 34683
(800)346-9152
Citi Loan No 0771419680
Seterus Loan No 26798540
Fannie Loan No 1696503769
Tax Code/PIN/UPI #: 13-24-0805-111
CERTIFIED PROPERTY IDENTIFICATION NUMBERS
13-24-0805-111 - LOWER ALLEN TP
CCGIS REGISTRY 06/13/2014 BY DC
ASSIGNMENT OF MORTGAGE
Contact Federal National Mortgage Association for this instrument c/o Seterus, Inc, 14523 SW Mill>'kan
Way, #200, Beaverton, OR 97005, telephone #1-866-570-5277, which is responsible for receiving payments.
FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the
undersigned, CITIMORTGAGE, INC.,WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, OFALLON,�
MO, 63368, (ASSIGNOR), by these presents does convey, grant, assign, transfer and set over the described
Mortgage therein together with all interest secured thereby, all'liens, and any rights due or to become due thereon
to FEDERAL NATIONAL MORTGAGE ASSOCIATION, WHOSE ADDRESS IS 14221 DALLAS
PARKWAY, SUITE 100, DALLAS, TX 75254, ITS SUCCESSORS AND ASSIGNS, (ASSIGNEE).
Said Mortgage dated 07/29/2004, in the amount of $129,900.00 made by ELIZABETH TEVES to
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR IRWIN
MORTGAGE CORPORATION DBA IFC MORTGAGE CORP. recorded on 08/05/2004, in the Office of the
Recorder of Deeds of CUMBERLAND County, in the State of Pennsylvania, in Book 1876, Page 1544 and/or
Document # .
Property is more commonly known as: 5 BEAVER RD TWP. OF LOWER ALLEN, CAMP HILL, PA 17011.
See Exhibit attached for Assignments, Modifications etc.
Dated this 12th day of June in the year 2014
CITIlVIORTGAGE, INC.
By:
KRISTOPHER S
VICE PRESIDENT
All persons whose signatures appear above have qualified authority to sign and have reviewed this document and
supporting documentation prior to signing.
Inst. # 201412455 -- Page 2 of 4
Citi Loan No 0771419680
Seterus Loan No 26798540
Fannie Loan No 1696503769
STATE OF FLORIDA COUNTY OF PINELLAS
The foregoing instrument was acknowledged before me on this 12th day of June in the year 2014, by Kristopher
Sandberg as VICE PRESIDENT of CITIMORTGAGE, INC., who, as such VICE PRESIDENT being authorized
to do so, executed the foregoing instrument for the purposes therein contained. He/she/they is (are) personally
known to me.
CL M. MOSS - NOTARY PUBLIC
OMM EXPIRES: 08/05/2016
France M. Moss
Notary Public State of Florida
---or My Commission # EE 222298
Expires August 5, 2016
Assignment of Mortgage from:
CITIMORTGAGE, INC.,WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, OFALLON, MO, 63368,
(ASSIGNOR),
to:
FEDERAL NATIONAL MORTGAGE ASSOCIATION, WHOSE ADDRESS IS 14221 DALLAS
PARKWAY, SUITE 100, DALLAS, TX 75254, ITS SUCCESSORS AND ASSIGNS, (ASSIGNEE)
Mortgagor. ELIZABETH TEVES
When Recorded Return To: -
CitiMortgage, Inc.
C/O Nationwide Title Clearing, Inc.
2100 Alt. 19 North
Palm Harbor, FL 34683
All that certain lot or piece of ground situated in
Mortgage Premise: 5 BEAVER RD TWP. OF LOWER ALLEN
CAMP HILL, PA 17011
CUMBERLAND
(Borough or Township, if stated), Commonwealth of Pennsylvania.
Being more particularly described in said Mortgage.
Certificate of Residence
I, Kristopher Sandberg, do certify that the precise address of the within named Assignee is:
FEDERAL NATIONAL MORTGAGE ASSOCIATION, WHOSE ADDRESS IS 14221 DALLAS
PARKWAY, SUITE 100, DALLAS, TX 75254, ITS SUCCESSORS AND ASSIGNS, (ASSIGNEE)
KRISTOPHER S
VICE PRESIDENT
All persons whose signatures appear above have qualified authority to sign and have reviewed this document and
supporting documentation prior to signing.
*22354035* CMOAV 22354035 -- MSR-2014-06-01-STRUS Ni DOCR T0914061116 [C-3] EFRMPA1
1111111111111111111110 11111111111111 11111111
111111111110 1101111101111111101111
Inst. # 201412455 - Page 3 of 4
Loan No: 0771419680
'EXHIBIT A'
Assignments, Modifications, Consolidations Exhibit
Assignment MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR IRWIN
MORTGAGE CORPORATION DBA IFC MORTGAGE CORP. TO CITIMORTGAGE, INC. DATED
12-18-2012. REC: 12 28-2012 INSTR# 201240475
111111111111 11111J1111111,1110!!111111111111111 11111 I
11111111011111 I1 11111 I III 1111 11
*D0006437580*