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HomeMy WebLinkAbout14-0679 Supreme Court of Pennsylvania 5.'S Court Com ion Pleas C � I;Covet �hCet ForProtlronotar UseOnit•: Culnbei�land;�! Docket No: S. County _ j �� ✓ l rr The information collected on this fount is used solely far court administration ptnposes. This forin does not supplement or replace the filing and service of pleadings or ofher papers as required by laic or rides of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Takin E Lead Plaintiff s Name: Lead Defendant's Name: C Nationstar Mortgage .LLC fWa Centex Home Steven C. Sheriff, Real Owner and Original Mortgagor, et T Equity Company, LLC al Dollar Amount Requested: E] within arbitration limits Are money damages requested? Yes No 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 (Po Set 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 El Motor Vehicle ❑Debt Collection: Credit Card ❑Board of Assessment El Nuisance El Debt Collection: Other El Board of Elections ❑ Premises Liability ❑ Dept. of Transportation ❑ Product Liability (does not include ❑ Statutory Appeal: Other mass tort) ❑ Employment Dispute: S ❑ Slander/Libel/Defamation Discrimination El Other: E F-1 Employment Dispute: Other [I Zoning Board C ❑ Other: T MASS TORT ❑ Other: I ❑ Asbestos O ❑ Tobacco N ❑ Toxic Tort - DES - ❑ Toxic Tort — Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations PROFESSIONAL LIABILITY ® Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑Partition El Legal ❑ Replevin ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: . i PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 MILSTEAD & ASSOCIATES, LLC G It FEB BY: Robert W. Williams, Esquire � 1:24 ID No. 315501 C' R AND COUNTY 1 E. Stow Road PE NNSYLVANIA Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff File: 9.30269 Nationstar Mortgage LLC f /k/a Centex COURT OF COMMON PLEAS Home Equity Company, LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville, TX 75067, � q Plaintiff, � !V f No.. Vs. CIVIL ACTION MORTGAGE Steven C. Sheriff, Real Owner and Original FORECLOSURE Mortgagor 601 Conodoguinet Ave a /k/a Condoquinet Ave Carlisle, PA 17013, ' and Stephanie Sheriff, Original Mortgagor 601 Conodoguinet Ave a /k/a Condoquinet Ave Carlisle, PA 17013, Defendants fs S(9' 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 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from ,a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff Nationstar Mortgage LLC f /k/a Centex COURT OF COMMON PLEAS Home Equity Company, LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville, TX 75067, Plaintiff, No.: Vs. CIVIL ACTION MORTGAGE FORECLOSURE Steven C. Sheriff, Real Owner and Original Mortgagor 601 Conodoguinet Ave a /k/a Condoquinet Ave Carlisle, PA 17013, and Stephanie Sheriff, Original Mortgagor 601 Conodoguinet Ave a /k/a Condoquinet Ave Carlisle, PA 17013, Defendants ' COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendants, Steven C. Sheriff, Real Owner and Original Mortgagor and Stephanie Sheriff, Original Mortgagor, (collectively, the "Defendants "), are adult individuals. Defendant, Steven C. Sheriff is the real owner of the premises hereinafter described by virtue of a Deed dated December 6, 2000, recorded December 27, 2000 in Deed Book 236, Page 790. The Deed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Steven C. Sheriff, Real Owner and Original Mortgagor, upon information and belief, resides at 601 Conodoguinet Ave a/k/a Condoquinet Ave, Carlisle, PA 17013. Defendant Stephanie Sheriff, Original Mortgagor, upon information and belief, resides at 601 Conodoguinet Ave a/k/a Condoquinet Ave, Carlisle, PA 17013. 4. On November 13, 2002, in consideration of a loan in the principal amount of $63,750.00, Defendant Steven C. Sheriff executed and delivered to Centex Home Equity Company, LLC a note (the "Note ") with interest thereon at 8.150 percent per annum, payable as to the principal and interest in equal monthly installments of $614.77 commencing January 1, 2003. The Note is attached hereto as Exhibit `B" and made a part hereof. 5. To secure the obligations under the Note, the Defendants executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage ") dated November 13, 2002, recorded on November 15, 2002 in the Department of Records in and for the County of Cumberland under Mortgage Book 1782, Page 2614. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. The Mortgage secures the following real property (the "Mortgaged Premises "): 601 Conodoguinet Ave a/k/a Condoquinet Ave, Carlisle, PA 17013. A legal description of the Mortgaged Premises is attached hereto as Exhibit "D" and made a part hereof. 7. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due August 1, 2013, 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. 8. The following amounts are due on the Mortgage and Note: Principal Balance ................. .....................$25,517.78 Accrued but Unpaid Interest from 7/1/13 to 1/10/14 .................... ......................$1,091.14 Escrow.............. ............................... $444.31 Property Inspections ................ .........................$78.90 BPO.................................................. 00 Forbearance ........ ............................... $(86.60) TOTAL as of 01/10/2014 ....... .....................$27,135.53 Plus, the following amounts accrued after January 10, 2014: Interest at the Rate of 8.150 percent per annum ($5.70 per diem); Late Charges per month if applicable. 9. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly ( "Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 601 Conodoguinet Ave a/k/a Condoquinet Ave, Carlisle, PA 17013 as well as to address P.O. Box 861, Carlisle, PA 17013, of this document on September 30, 2013, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit `B" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $27,135.53, plus the following amounts accruing after January 10, 2014, to the date of judgment: (a) interest of $5.70 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. S AD SSOCIAT S, LC Date: Ro ert W. Williams, Esquire Attorney for Plaintiff VERIFICATION Olivia Mc.Auams Assistant Secretary hereby states that he /she is of Nat ionstar Mortgage LLC, Servicing Agent for Plaintiff, Plaintiff in this matter, that he /she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unworn f do to au ties. Name: Olivia � , &Mry Title: Assistan DATE: File #: 9.30269 Name: Steven C. Sheriff, Real Owner and Original Mortgagor and Stephanie Sheriff, Original Mortgagor Exhibit "A" ;liCOi:CL" :ii uEEDS ::uV,OERIAitO COt)t1TY -PA part of Tax Parcel No. 14 -07 -0473 -003 '00 DEC 27 Fn 10 47 THIS DEED, MADE THE It day of December in the year of our Lord two thouaatnd 2000) BETWEEN SNYDERS, LLP, a Pennsylvania limited liability partnership, of North Middleton Township, Cumberland County, Pennsylvania Grantor, and STEVEN C. SBERIFF, of North Middleton Township, Cumberland County, Pennsylvania, Grantee: WITNESSM, that in consideration of one Thousand ($2,000.00) Dollars, in hand paid, the receipt whereof is hereby acknowledged, the said Grantor does hereby grant and convey to the said Grantees, their heirs and assigns as tenants by the entireties: ALL that parcel of land situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an existing iron pin located at the northeast corner of other lands of the Grantee; thence along other lands of the Grantee North 66° 31 19* Wept a distance of 35.76 feet to a point; thence along Lot No. 8 of the hereinafter named Subdivision Plan North 22° 38' 48" East a distance of 50.97 feet to an iron pin; thence along other lands of the Grantor South 69° 38' 39' East a distance of 36.15 feet to an Iron pin; thence along Lot No. 10 of the hereinafter named Subdivision Plan South 22 06. 45" West a distance of 52.92 feet to an iron pin, the point and place of BEGINNING. BEING Lot No. 9 on the Preliminary /Final Subdivision Plan for _,,Ea4gs Crossing Golf Course recorded in the Office of the - ° - Recorder- of=Deeds in and for Cumberland County, Pennsylvania in Plan Book 81, Page 149, and containing 1,867 square feet. BEING a part of the premiaes which David o_ Lillich, Jr. and Barbara O. B. Lillich by their deed dated December 23, 1998 and e recorded in the Office of the Recorder of Deeds, aforesaid, in Deed Hook 191, Page 632, granted and conveyed to Snyder *, LLP, Grantor herein. The property herein conveyed is a lot addition to other lands of the Grantee adjacent thereto and shall not be sold separately. And the said Grantor hereby covenants and agrees that it will warrant specially the property hereby conveyed. IN WITNESS WHEREOF, the said Grantor has hereunto set its hand and seal the day and year first above written. SNYDERSA P SIGNED, SEALED and DELIVERED By: [SEAL] in the presence of [SEAL] L Sn de (SEAL] Sn or wn Snyd A $.w (SEAL) Beth A. SayKer STATE OF PENNSYLVANIA Be. COUNTY OF ( w 0 CV., On this, the L% day of 7. ro �� r�,r� 2000, before me, the underaign officer, personally appeared Leland S. Snyder, Lynn S. Snyder, Vicki L. Snyder, Shawn Snyder, and Beth A. Snyder, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein ` contained. — =IN_WITMMS WHERBOP, I hereunto set my hand and official.__ _ seal. - mn�u� (SEAL) r Title of Officer Si q,�► +�` AN comp fiVkft.u 2.2001 00;K 46 PAW 7aL I do hereby certify that the precise residence and complete poet office address of the within named Grantee(s) is 601 ( ( CConodog (( uinet Avenue, Carlisle, ^ P \ A - , 17011. ( I u�.�oaw :X L 2000 Attorney for Grantee (s COMMONWSALTH OF PHNNBYLVANIA as. COUNTY OF CUMBERLAND RECORDED on this Q1 day of A.D. 2001 In the Recorder's office of the ea d County, in Deed Book , Page Given under my hand and the seal of the said office, the date above written. Recorder Y. i t• ,w (yy 0009 236 r,(cE 792 �u16 �/r ^FYI VAC. � O �S' ` Exhibit "B" NOME NOVEMBER 13, 2001 PITTSBURGH PENNSYLVANIA (Date) Icily) (Sawtel 601 CONODOQUINST AVRNVE, CARLISLE, PA 17013 IPrapsrty Addreesl I. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 63,750.00 (this amount is called "principal "), plus interest, to the order of the Lender. The Lender is CENTEX HOME EQUITY COMPANY, LLC I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. IN EWT 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 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 (A) Time and Place of Payments I will pay principal and Interest by making payments every month. I will make my monthly payments on the tat day of each moat)) beginning on JANUARY 1 2003 • I will make these payments every month until i have paid all of the principal and interest and any other charges described below that I may owe under this Nate. My monthly payments will be applied to interest before principal. If, on DECEMBER 1, 2017 I 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 at P.O, BOX 199400 DALLAS, TX 75219 -9077 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. $ 614.77 4, BORROWER'S RIGHT TO PREPAY I have the right to maize psymentls of princlpal at any time before they are due. A prepayment of all of the unpaid principal to known as a "full prepaytrient." A prepayment of oig ;* pall of the unpaid principal Is knowwas a "partial prepayment." If the original priocipal amount of this loan 10 59,000 or less; l lnay' little a fiill' or partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds $50,000, and if within the first 60 months after the execution of this Mortgage, I make fall prepayment or a partial prepayment and the total of such prepayments in any one (1) year exceeds twenty percent (20 %) of the original principal amount, I will pay a prepayment charge In an amount equal to the payment of six (6) months' advance Interest on the amount prepaid which Is in excess of twenty percent (20%) of the original principal amount. If I make a partial prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other partial prepayment, 1 must still make each laterpayment as it becomes due and in the same amount. PENNSYLVANIA FIRED 60.7E NOTE • Single family • Wth Prepayment Penalty 9194 pa"t ele A - aO5(PA) VMP MORTGAGE FORMS - ( s0a)sat•M$ IIIEIIEIIIEIIIIIIIIIIIIIEIiIIllllll S. IRAN 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: (I) any such loan charge shall be reduced by the amount necessary to reduce the charge to the, permitted limit; and (it) 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. C BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the hull amount of any monthly payment by the end of 10 calendar days after the date It is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 % 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 delivered or mailed to me. . (D) No Waiver By Nate Holder Even if, at a time when I am in default, the Note Holder does not require me to pay Immediately in (bit as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder 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 OFNOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing It by first class mail to me at the Property Address above or at a different address if 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 mailing it by first class mail to the Note Holder at the address stated is Secbon 3(A) above or at a different address If 1 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 ill of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note Is also obligated to do these dilus. Any person who takes Qver these obligations, Including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the prontlsea made . in this Note. The Note Holder may enforce its rights under this Note against each person individually or,against all of us together. This means that any one of us may be required to pay all of the amounts awed under this Note. 9. WAIVERS ?•' le and arty other persob who has obligations under "lltlp Note waive ill;, fights. ol` presentment and notice of dishonor, "PresenU »ent" means: the d�hi to requite the H ole Holder to demand payuitmt of amousus duo. "Notice of dishonor" means the right . to require the N* Holder to glut trotltx to other persons thaC .amounts diN�tdvC Dot been paid: t N. ...- i.,.: 10. APPLICABLE LAW This Note shall be governed by the laws of the State of Pennsylvania. If a law, which applies to this loan and sets maximum loan charges Is finally Interpreted so that the interest and other charges collected or to be collected in cotmecdon with this loan exceed the permitted ]knits, then: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted IMI; and (B) any sums already collected from me which exceed permuted limits will be refunded to roe. The Note Holder may choose to make this refund by reducing the principal 1 owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment, but in no event will a prepayment charge be assessed if the Note Holder chooses to reduce my principal balance by applying such excess amounts. M4 .sf05(YA) (B�oGt Pe0" 2 d 3 InNt"b: + s i 11. UNIFORM SECURED NOTE This Note Is a uniform Instrument with limited variations in some jurisdictions, In addition to the protections given to the Note Holder under this Note, 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 snake in this Note. That Security Instrument describes how and under what conditions 1 may be required to make immediate payment in full of all amounts 1 owe under this Note, Some of those conditions are described as follows: Transfer of the Property or it Beneficial Interest In Borrower. If all or any pan of the Property or any Interest in it Is sold or transferred (or if a beneficial interest In Borrower is sold or transferred and Borrower Is not a natural person), without Lender's prior written consent, Lender may, at its option, require immediate payment in NI1 of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed within which Borrower must pay all suns secured by this Security Instrument. if Borrower f0s; to pay these stuns 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. _ (Seal) (Seal) � nkVEN .0 • IFF -Borrower -Borrower I (Seal) (Seal) •Borrower - Borrower � $84SK (Sign O)fgiaal Only) I i I i _a05(FA) jo4w pap a d s &a4 s 1 ALLONGr TO NOTE LOAN NUMBER: ALLONGE TO NOTE DATED: .11/13/2002 IN FAVOR OF: Centex Home Equity Company, L.L.C. AND EXECUTED BY: STEVEN C. SHERIFF PAY TO THE ORDER OF WITHOUT ! 1rCOURSF, , Centex Home Equity Company, L.L.C. ..fi r f • BY: L a F. oiler TITLE: DOCUME SIGNER Exhibit "C" I • 3 �• ;1 _ iDER OF 0 ; `13ER!_AND C6L!1 , Fri P 28 a Pre pared By: Return To: LAURA MARBURGHR CSNTHX How EQUITY COMPANY, LLC P.O. BOX 199111, FINAL ROCS Oa11a0, TX 75219 Parcel Number: 19-18 -1389 -009 (Space Above TMt Lies For ReeordWS Deta) MORTGAGE DBFINMONS 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 dated 11/13/2002 together with all Riders to this document. (13 ) "Borrower" is STSVSN C. SHERIFF STSPUMIN SHERIPr Borrower is the mortgagor under this Security Instrument. (C_) "Lender" is CSMTZX HOKE EQUITY COMPANY, LLC Lender is a A LIMITED LIABILITY COMPANY PENNsYt_VANIA - Singie Famlly - Faimle MsetFruMle Mac UNIFORM INSTRUMENT Form 3039 1/01 (04RPA) Pace I of 14 WWI VMP MtoR7oACi£ FORMS - PM621-7281 JJJ '�1�!■III'II �,,�{,ItI BK 1 782P626 l 4 organized and e7d dq under the laws of THE STATE OF DSLA'WARt3 Lender's address is 2828 NORTH 'HARWOOD DALLAS, TX 75201 -1516 Lender is the mortgagee under this Security Instrument. (D) '?Vote" means the promissory tote signed by Borrower and dated 11/13/2002 The Note states tbat Borrower owes Lender SIXTY THREE THOUSAND MEN HUNDRED FIFTY L 00 /100 Dollars (U.S. $ '63,750.00 - ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 12/02/2017 (E) "Property" means the property that is described below under the heading "Tmnskr of Rights in the any. N (F) "Loan" means 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. (G) "Riders" means all hiders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable): EJ Adjustable Rate Rider Condominium Rider F Second Home Rider H Balloon Rider H Planned Unit Development hider 01-4 Family Rider VA Rider 0 Biweekly Payment Rider 0 Other(s) (specify) OD "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative tiles and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (I) "Community Association Dues, Fees, and Amessnents" means all dues, fees, assessments and other charges that are imposed on Borrower or. the Property by a condominium association, homeowners association or similar organization, (J) "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 aa account. Such term includes, but is not limited to, point•of -salt transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse tramfers. (I{) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section S) 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. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpaymerut of, or default on, the Loan (N) '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. -G(PA) (0008) Pep.za+a Form 3039 Vol BK l 782'G261 5 (0) 'RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq_) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor 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 the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS W THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the loan, and all renewals, extensions ad modifications of the Note; and (n) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose. Borrower does hereby mortgage, grant and convey to Lender the following described p Pero rty located in the COUNTY [Type orxaord� Awisel" ai o f SItLAND [Kum of Record tq IurWictioni: All that tract or parcel of land as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. which currently has the address of 601 CONODOQUINET AVENUE - CARLISLE PAY) , Pemylvania 17013 JZO 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 part of the property. Ali replacements and additions shall also be covered by this Security Instrument Ali of the foregoing is referred to in this Security Instrument as the IMBAIar,,,� . -g(pp) toy) pan* 3of is Form 5038 1101 Bit 1782 ?62616 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. TEAS SECURITY INSTRUMENT combines uniform covenants for national use and nonuniform 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 Prindpal, Interest, Pscrow Items, Prepayment Charges, and We Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Now 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 Nate 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 cheep, 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 cement. 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 wafflied 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 ihnds will be applied to the outstanding principal balance trader the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall 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 (c) amounts due under Section 3. Such shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late cbargcs, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the Iate charge. If more than one Periodic Payment Is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in M�'S(pg) tom) Pace !d14 3089 1101 BK I "/ 32PG2617 full. To the extent that any excess exists after the payment is applied to the fill 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 Item." At origination or at any tune during the term of the Loan, Lender may require that Community Association Dues, Pees, 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. Lender 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 Ltiader 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 sad 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 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the nuadmum 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 msured) or in any 1� 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 trade in writing or Applicable Law requires merest to be paid on the Funds. Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that lnterest shall be paid on the r , At .- ry* a a to form 30.99 1101 � -8K I782PG2618 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. Lender shall account to Borrower for the excess funds in accordance with RRSPA_ If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrbwcr as required by IMPA, 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 .[.ender the amount necessary to make up the deficiency In accordance with RESPA, but in no more than 12 monthly payments. Upon payment in fail of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; L1ens. 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 any. and Community Association Dues, Pees, 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- fte charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. Property Itrsurarue. Borrower shall keep the improvements now existing or hereaffrx 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 r, disapprove Borrowees ' choice:..which right shall not exercised unreasonably. 'may requite -- 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 shall 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. 4 - NPA) woos) Form soatr 1101 6K 1 782PG26 19 r' , If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect 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. debLof Borrower secured by this Security Instrument. These amounts sball 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 Leader and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall 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 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 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 oa such proceeds. Pees for public adjusters, or other third parties, retained by Borrower sliall not be paid out of the insurance proceeds and shall 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. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate _and. settle any available insurance claim .. _ and related rriattem'. If Borrower -does not- respond- within 30 days to a notice; from lLender_tlral 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 Lender 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 coveting the Property, insofar as such rights are applicable to the coverage of the Propmy. Lepdcr m ay '14c the insurance proceeds either to repair or restore the Pjtiperiy or to pay amounts unpaid Under the Now or this Security Inatrurnent, whether or not then due. IMIRIK J�yk� . -b(PA) (Dove) PRye 7 M to Form 9039 1101 8K ! 782P'2620 6. Occupancy. Borrower shall 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 shall not be unreasonably withheld, or unless extenuating circumstances exist which are 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 :ptevent- the Property from deteriorating or decreasing in value due to its condition Unless it is determined purevant 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 snake reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. bender 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 shalt W in default if, during the Loan application process, Aorrower 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 iRighis Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instruutent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security lastrunmcnt (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 Leander may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Prop" and rights under this Security I nstrument , including protecting and/or assessing the value of the Property, and securing .and/or repairing _ .. the Property. Lender's actions can include, but aft not litntted to: (a) Paying arty sums secured to 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 bmtrument, 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. Leader 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 ail actions authorized under this Section 9. immc -S(PA) tom Not a of is Bonn Stt39 7AD1 8K 1782P6262 I i -i 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 Instment is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower aequires fee title to the Property, the leasehold and the fee title shall not merge unless Lander agrees to the wager In welting. 10. Mortgage Laurance. If tender required Mortgage Insurance as a condition of malting the Loan, Borrower shall pay -the premiums required to maintain the Mortgage Insurance -ia toter.. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from Bee 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 flue 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 went due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a Pon- refundable loss reserve in lien of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstanang 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 bommes 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 non - refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such teimination or until tenninadon is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Notre. 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 tbree from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are _op Term an4cotad dow that are, satisfactory the mortgage km= pod the other party (or patties) to thmo , aorecmelft lhea6 agroa iwabi may require the mortgage insurer to rnatse payments using any source of Rio* iii Ibe mortgage iristuer tnay available (which may Include !binds obtained from Mortgage Insurance premiums). , i , As a rwiuit of thesiy agttergents; LcttQM any purchaser of the Note, another insurer, any relaatirer; any titter entity,* any aptato of any of the foregoing, may receive (directly or Indirectly) amounts that derive t om (or might be characterized as) a portion of Borrower's payments for Mortgage 1wwarrce, in ettcbange t'ot sharing or nuxU ying the mortgage Insurer's risk. or reducing Imes. If such agreetltent provides that an Affiliatc of Lender takes a shtue of the Irtsurces risk is exchange for a share of the premiums paid to the l_astirer, the arrangement is often temned "captive reinsurance." Further (a) Any such agreements will not affed the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the [.oar. Such agreements will not increase the amount Borrower will owe far Mortgage Insurance, and they will not enditle Borrower to any refund. t� -OIPA) f Pepe o at is FOM 3039 IM BK 1782"PG2622 s (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 1998 or any other law. These rights may Include the right to receive certain disclosures, to request and obtain ca mellation 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 orsuch cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellancous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and.Lender's security is not lessened. During such repair and restoration period, Lender shalt 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. mender 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 Caw requites Interest to be paid on such Miscellaneous Proceeds, Lender shall not be required 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 ity 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 securest 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 Om the amount of the sums 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 takdng, destruction, or 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 srmts 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 *oeeeds either to restoration or repair of the Property or to the sums secured by this Security Instzurnnent, 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 Nscellaneous Proceeds. $anowe shali.be,inidcfault If any 4040 OT ptgceedtnR „whethep Cavil or caiwinai, is begun that, irr I.endt is • judgplet>i, ooiifd fault In forte Iiur6 of tlta Propezty of r matkdal ► mpairment of Lertder'S it?tctasc in the Ptaluerrty or rights cruder this Sswtl6 Instt�atmcat: Rortowct can cure such a default and, if accrletation has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of 4 m 4( PAk (aooes vye loaf is Fora sole firth 6K 1782PG2o23 Leader'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 ](,ender Not a Waiver, Extension of the time for payment or modification of amortization of the sums 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 commence proceedings against any Successor, in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the surfs secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors In Interest of Borrower. Any forbearance 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 sevetral, However, any Borrower who co-sips this Security Instrument but does not execute the Note (a "co- signer "); (a) is co- signing this Security Instnuuent 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 agrrtments 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 Out 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 ray' that the n qst �r other login charges t ollec {ed, at to be crilieo"Ja c `'with ''the Loan Oieeed (hti• ieriitittfsd 1ltnfts, theti: (a) any such loan chargd siiaall tie reduced by the amount necessary to reduce the charge' to the permitted limit; and (b) any sutras already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund &y 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 payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. S' 40-CPA) t000a) Pop i I of is � Form 3638 1101 OKI782PG2o24 15. Notices, Ali notices given by Borrower or Lender in connection with this Security Instrument must be In writing. Any notice to Borrower in connectlon with this Security Instrument shall be deemed to 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 ebange 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 bender shall be given by delivering it or by mailing It by first class trail to Center's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by M Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security instrument. 16. Governing Law; Severabtllty; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the Jurisdiction in which the Property is located, Ali rights and obligations contained in this Security Instrument are subject to any 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 shall 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 Beneficial 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 hill of all taros secured by this Security Instrument. However, thi 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 farther notice or demand on Borrower. 19. Borrower's Rigtrt to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any ttme prior to_the earliest. of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Inawkient; (b) such other period as Applicable Law might specify for flit termidatlon of Borrower's' right W relnstate, x(c) et>fry ,of a Judgrneat ,c*rciag this Secuiity I nstrtunent, Those conditions are that Bormtarcr ;(a} p aye Letxier all sutra which then Wd be 0 pttder "Security lnsttumetit and the Note as if ko'aceelbrAtton had occurred;. (b) any - default of any athetr covetuaate or agreetnedts (c) pays ;all Irwfefe: ® -%PAl mooa) Pap 12 of 1E Form 3039 t /or BK 1782PG2625 _..- . expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees Incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such abdon as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall 'continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) 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. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Now or a,partiel interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result is a change in the entity (known as the "Loan Scrvieer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. 'There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RHSPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless othirwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to Woe corrective action. If Applicable Law provides a time pe trod which must elapse be certain action c;4 be taken, thst 0= period will be deerned to be reasonable far purposes of this paragraph. Tho notice of accaleradon and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20, 21. Hazardous Substances. A8 used to this Sectloi 21. (a) "Hazardous ' Substances" .ate those tubstdies defined as toxic or hazardous substances, pollutants; or wastes by RnvirontEentai Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum.products, toxic pesticides and herbicides, volatile solvents, mateflals containing asbestos or formaldehyde, and radioactive tnaterlali; (b) i 9avironna sal Law "means federal laws and laws of the juriedlctlou where U►e Property As located bra Olate tp Witten, saiEty or egYimruneti(ai. protection; (c) "Envlrommrenial Clcamrp" itichrdea nay response aclloh iraanedial acttolen, or retrtova! action, as defined la Bnvironme�rutal Law; tamd (Q) as "Envlroumental Condition" xneans'a condition that can cause, contribute to, or otherwise trigger an &environmental Cleanup. Was* -6(PA) iwoel Pogo 19 of to Form 3m 1101 6K-1782PG2626 t� . a Borrower shall not cause or permit the presence, 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 Property. 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 writtennotice of (a) any Investigation, claim; demand, lawsuit or i other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Eaviron mental law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) 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 remediatioa of any 1 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 Linder 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 18 unless Applicable Law 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 as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert j 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 ails Security Instrument, this Security Instrument and the cstate conveyed shall terminate and become void. After such occurrence, Under 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 fume 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 sale 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. A" . tr`iF . 'd •+ : r z .< 17:x ... , �(:. "4" i. IdUde: (W -qPA) Moo Pep 14 of 16 �Ofm 3m Val BKI782PG2627 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any hider executed by Borrower and recorded with it. Witnesses: (sue) K S11 F - Borrower tom) BTFP So X8 SHIRIFF -Borrower (Se�), (Seal) -Borrower -Borrower (Seal) (Seal) - Borrower -Borrower (Seal) p,, (S�) 6 -Borrower -BGf?OWCr (COPA) (WO) Pogo tc of le Form 9039 1101 7 jf. p Q f BKI782PG2628 Certificate of Residence J I t�'t1� , do hereby certify that the correct address of the within -named Mort gg is 2828 NORTl3 HARWOOD, D1CLE,AS, TX 75201 -r16 Witness my hand this day of Agent of Mortgagee COMMONWEALTH OF PENNSYLVANIA, G�U���RL�sNo County ss: On this, the /3 0t day of Nv ift M B ?R� 2 - ,before m the undersigned officer, personally appeared BTWM C. BREAlry srspfr�xxs sr�ttz�a !mown to the for satisfactorily proven) to be the person(s) whose names) Ware subscribed to the within instrument and acknowledged that helshe /they executed the seine for the purposes herein contained. IN WrrMS WHEREOF, I hereunto set my hand and official seat. My Commission Expires: Nowea Bernadette M. Neff ilea! ifiager, Notwy Pabtic (' Meehaldnabufg 8ion Bom, Cumberisno County My Cc- Ws - 1; Oft Nov. 24, 2009 '�arttoar,�,tetbtsantotanee p�� r �i ,�•'}'�� �. II .(�• �y',R rf , F i� �t1� ,L.�' dLC. t'f ' vP� '.� �', H. a ,1.4: r y M f .., ,' •w. PA) mm) Pege laot 18 Form 3=9 1101 6K1782PG2629 Exhibit "D" Date: 11/12/2002 Time: 11:08:09 AM Re: STEVEN BBERT17 601 CONODOGUENET CARLISLE, PA 17013 CUMBERLAND County EXHIBIT 'A' ALL THAT CERTAIN lot of ground situate in Meadow Brook Park, north Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on Conodoquinet Avenue and the Eastern line of Lot N0,114, now or formerly of John Shearer; thence along the eastern line of Lot No.114, north 100 feet to a point on Hillside Avenust thence along Hillside Avenue East, 35,76 feet to the western line of Lot No. 116, now or formerly of E. A. Deitzt thence south along the western line of said Lot No. 116, 100.11 feet to a point on Conodoquinet Avenue; thence west along the northern line of Conodoquinet Avenue, 41 feet to the of beginning. PARCEL #29 -18- 1384 -0009 DBV 135/987. fy t;�i ::; Cumberlan t7.01.111 PA °.. ✓: J ` Recorder of Deeds 8 178'2PG2630 Page: 5 of 5 order Number 000 062005 Exhibit "E" t Nationstar Mortgage, LLC PRESORT PO Box 9095 First -Class Mail Temecula, CA 92589 -9095 U.S. Postage and Fees Paid WSO 7196 9006 9296 9639 4793 Send Payments to: NatlonstarMortgage RETURN RECEIPT REQUESTED 350 Highland Drive LowiWile, TX 75067 -4177 �1�'^ �f�` I' llrillln�nllllili���l '�Il'll'll� STEVEN C. SHERIFF 601 CONODOQUINET AVENUE CARLISLE, PA 17413 PA NOI - Sent Via Certified Mail 7196 9006 9296 9639 4793 09/30/2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address, and phone number of Consumer Credit Cowlseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll -fiee at 1 -800- 342 -2397. (Persons with impaired .. ,hearing can call (717) 780 - 069). This Notice contains important legal information. If you have 'any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain It, You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COA'IPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER i ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDI"DA DEL DERECHO A REDIMIR SU HIPOTECA. PA Page2 of7 7196 9006 9296 9639 4793 1 j HOMEOWNER'S NAME(S): STEVEN C. SHERIFF STEPHANIE SHERIFF PROPERTY ADDRESS: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: "CENTER HOME EQUITY COMPANY, LLC" CURRENT LENDER/SERVICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FjjTjJRE MORTUAGE PAYMENTS. IF YOU COMPLY, WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to -face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice.. THIS MEETING MUST OCCUR WITHIN THIRTY- ZREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE, Q2 SQUA CB "D 1. !QUUNSELINQ AGETLQF,& - If you meet wifli bhe of the "aonsulncr credit counseling agencies'li ted dt the end of this Notice; the lender may I+IOT take action against you for thirty (30) days after the date ' of this meeting, J'he names addresses and telephone numbers of designated consumer credit counseling agencies fo} the county in Which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information 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 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 A2UST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREPENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOIiE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " PA_NOI Page of 7196 9006 9296 9639 4793 a YOU HAVE THE' RIGHT TO FILE A REMAP APPLICATION EVEN BE YOArD THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROAf STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it un to date.)_ NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE'PAYMENTS for the following months and the following amounts are now past due: Next Payment Due .Date: . 08/01/2013' Total Monthly Payments Due: $1,737.92 Late Charges: $1,026.95 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0,00 Corporate Advance Balance: $181.50 Unapplied Balance: 759.14 TOTAL AMOUNT PAST DUE: $2,187.23 HOW TO RE TTTR D { You may cusp, the default wjthip (30) DAY$ of the data of tlli,s uotica BY • PAYYN THLAMOUNT PAST 'YWUE TO THE ' LjFKNDEIi '' A I 6 I8 $2,187.23 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check, or money order made payable and sent to: Nationstsr Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 -4177 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the wortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins PA N0I Page4 of 7196 9006 9296 9639 4793 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 will 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 not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SATE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time 0 to one hour before. the Sheriffs Sale. You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortease Curing your default in the manner set forth in tlds notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: 350 Highland Drive Lewisville, TX 75067 -4177 Phone Number: 1 -888- 480 -2432 Fax Number: 1 -972- 315 -6827 Contact Person: Colleen Lesher E -Mail Address: customer .sert4ceCa)nntionstarmail.com El*CT - .Yov should reallze`that a 966 a�34"lc'will end owne- rsliip of the tnoitgagdd property and ygnr right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) T IMES IN ANY CALENDAR YEAR) PA NOr Page of 7116 9006 9296 9639 4793 • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUNIER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1692(8), 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, Colleen Lesher Dedicated Loan Specialist Nationstar Mortgage, LLC 1 -877- 450 -8638 ext. 4594993 350 Highland Drive : Lewisville, TX 75067 -4177 , FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN L�'DEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE > REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER PA Page 6of? 7196 9006 9296 9639 4793 HEMAP Consumer Credit Counselin Mencies CUMBERLAND County Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Deny Street Harrisburg, PA 17IO2 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 PMladelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717- 762 -3285 PathStone Co{poration PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambeisburg, PA 17201 717 -234 -6616 717. 264.5913 PA Interfaith Community Pro grams Inc PHFA 4013 High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717 -334 -1518 717 -780 -3940 800 -342 -2397 �, .ii, 'A t k e 9 r i' ?'. �t �`. ,:.. .` t HC Page7of7 7L96 9006 9296 9639 4793 Nationstar Mortgage, LLC PRESORT PO Box 9095 First -Class Mail Temecula, CA 92589 -9095 U.S. Postage and Fees Paid WSO 7196 9006 9296 9639 4816 Send Payments to: Nationstar Mortgag RETURN RECEIPT REQUESTED 350 Highland Drive Lewisville, TX 75067.4177 f "'llll' I II J ' 1111 'III I I I I -I 1 -1 l STEPHANIE SHERIFF 601 CONODOQUINET AVENUE CARLISLE, PA 17013 Y PA NOI Sent Via Certified Mail 7196 9006 9296 9639 4816 09/30/2013 ACT 91 -NOTICE T Jku ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached gages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pemisylvania Housing Finance Agency toll -free at 1 -800 -342 -2397. (Persons with impaired hearing can call (717) 780- 1869). T) is "Notice contains important legal, information, If you have any questions, ..representatives at the Consumer Credit Counseling Agency may be able to help explain 'fit. You nay also want to contact an attorney in your area. The local bar association maybe able to,help you find a laws ►er;�. LA NOTIFICACIbN EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N OBTENGA UNA TR.ADUCCIbN INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAN IADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 4 PA N01 Page2of7 7196 9006 9296 9639 4816 HOMEOWNER'S NAME(S): STEVEN C. SHERIFF STEPHANIE SHERIFF PROPERTY ADDRESS: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: "CENTEX HOME EQUITY COMPANY, LLC" CURRENT LENDER/SERVICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOM E_FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE_ PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY QF FORECLOSURE - Un4er the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days fi-om the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS OW TO BRING YOUR MORTGAGE UP TO DATE. . , k ,. 4 . R tFDIfi CO�INSELING ACIE, IES : If yo QONSi111�1 p meet; with one of the consumer credit counseling agencies liis d at" the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the nronerLy 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 APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 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 fi•om filing a foreclosure action, your application MUST be forwarded to PTIFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER lf'ILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." PA_NOI Page, 3of7 7196 9006 9296 9639 4$16 YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN ]BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EYENTUALLY APPROM•D AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE S'1"OPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that tune, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due; Next Payment Due Date: 08/01/2013 Total Monthly Payments Due: $1,737.92 Late Charges: $1,026.95 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0.00 Corporate Advance Balance: $181.50 .y .,. ,,I7napplied Balance : , TO -� 4MQUNT PAST F DUE $2,18743 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,187.23 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAB,! PERIOD. Payments must be made either by cash, cashier's check, certified check, or money order made payable and sent to: Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 -4177 IF YOU DO NOT CURE THL DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property E t IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins PA Page of 7L96 9006 9296 9639 4816 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 will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY 001 DAY period, you will not be required to pav attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at an time ime up to one hour before the Sheriffs Sale. You may do so by paving the total amount then east 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 Sheriff s Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SH3RIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: 350 Highland Drive Lewisville, TX 750674177 Phone Number: 1- 888 - 480 -2432 Fax Number: 1- 972 - 315 -6827 Contact Person: Colleen Lesher E -Mail Address: customer .service @nationstarmail.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you apd your furuish!T r4 athar be (ot gings could he Rtarted by tipl lendei� at apy timC• j {', ASSUMPTION OF MORTGAGE - You �X may or _ may not (CHECK ONE) sell or transfer your home to B buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, anti attorney's fees and,costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OPP THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) PA NOT page 5of7 7196 9006 9296 9639 4816 i • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1692(g), you may dispute the validity of this debt, or any portion thereof, if you do so in writing within thirty (30) days after the receipt of this notice. If you dispute the validity of this debt, or any portion thereof, within this thirty (30) days period we will provide you with written verification thereof, otherwise the debt will be assumed to be valid, Sincerely, Colleen Lesher Dedicated Loan Specialist Nationstar Mortgage, LLC 1- 877 - 450 -8638 ext. 4594993 350 Highland Drive , Lewisville, TX 75067 =4177 j I i FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR MORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER PA NOT Page of 7196 9006 9E96 9639 4616 i 1 . ` . HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888.511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatba 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 4011 High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717. 334.1518 717 -780 -3940 800 -342 -2397 I I H� Page 7of7 7196 9006 9296 9639 4816 4 Nationstar Mortgage, LLC PRESORT PO Box 9095 First -Class Mail Temecula, CA 92589 -9095 U.S. Postage and Fees Paid WSO 7196 9006 9296 9639 4786 Send Payments to: Nationstar Mortgage RETURN RECEIPT REQUESTED 350 Highland Drive Lewisville, TX 75067 -4177 1 111111111 1 1111 1 STEVEN C. SHERIFF PO BOX 861 CARLISLE, PA 17013 PA N01 Sent Via Certified Mail 7196 9006 9296 9639 4786 09/30/2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paEes. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll -flee at 1 -800- 342 -2397. (Persons with unpaired hearing can call (717) 780 - 1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N OBTENGA UNA TRADUCCI6N INNIEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. PA Page 2of7 7196 9006 9296 9639 4786 HOMEOWNER'S NAME(S): STEVEN C. SHERIFF STEPHANIE SHERIFF PROPERTY ADDRESS: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: "CENTEX HOME EQUITY COMPANY, LLC" CURRENT LENDER/SERVICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY. WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Tinder the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies 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. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to'the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A REMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM , STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " PA_N01 Page of 7196 9006 9296 9639 4786 YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREYENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION I - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Next Payment Due Date: 08/01/2013 Total Monthly Payments Due: $1,737.92 Late Charges: $1,026.95 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0.00 Corporate Advance Balance: $181.50 Unapplied Balance: 759.14 TOTAL AMOUNT PAST DUE: $2,187.23 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE! TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,187.23 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check, or money order made payable and sent to: Nationstar Mortgage, LLC 350 Highland Drive Lewisvillo,, TX 75067 -4177 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property ' IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins PA N01 Page4of7 7196 9006 9296 9639 4786 i 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 will be added to the amount you owe thel . lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorneV's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgag e . Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender.. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: ' 350 Highland Drive Lewisville, TX 75067 -4177 Phone Number: 1- 888 - 480 -2432 Fax Number: 1- 972 - 315 -6827 Contact Person: Colleen Lesher E -Mail Address: customer .service @nationstarmail.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF, THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURD YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR) PA N01 Page 5of7 7196 9006 9296 9639 4766 • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1692(8), 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, Colleen Lesher Dedicated Loan Specialist Nationstar Mortgage, LLC 1- 877 - 450 -8638 ext.4594993 350 Highland Drive Lewisville, TX 75067 -4177 3 r FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE r?;{ REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER. PA N01 Page 6of7 7196 9006 9296 9639 4766 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 - 511 - 2227 717 -232 -9757 Housing Alliance 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 456 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 i . 1 Y HC Page 7of7 7196 9006 9296 9639 4766 Nationstar Mortgage, LLC PRESORT Box 9095 First -Class Mail Temecula, CA 92569 -9095 U.S. Postage and Fees Paid WSO 7196 9006 9296 9639 4809 Send Payments to: Nationstar Mortgage RETURN RECEIPT REQUESTED 350 Highland Drive Lewisville, TX 75067 -4177 a rlrrlrrrllillrlrrrlllrllnlrllrllillilrulnlrlrllllulrllrrlllll STEPHANIE SHERIFF PO BOX 861 CARLISLE, PA 17013 r PA NOI Sent Via Certified Mail 7196 9006 9296 9639 4809 09/30/2013 ACT 91 NOTICE TAI ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort , 2age on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll -flee at 1 -800- 342 -2397. (Persons with impaired hearing can call (717) 780 - 1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCCI6N rNMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 1i:3►'�Y PA Page of 7196 9006 9296 9639 4809 HOMEOWNER'S NAME(S): STEVEN C. SHERIFF STEPHANIE SHERIFF PROPERTY ADDRESS: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: "CENTEX HOME EQUITY COMPANY, LLC" CURRENT LENDER/SERVICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies 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. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PETA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " PA N01 Page3of7 7196 9006 9296 9639 4809 YOU HAVE THE' RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 601 CONODOQUINET AVENUE CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for• the following months and the following amounts are now past due: Next Payment Due Date: 08/01/2013 Total Monthly Payments Due: $1,737.92 Late Charges: $1,026.95 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0.00 Corporate Advance Balance: $181.50 Unapplied Balance: 759.14 TOTAL AMOUNT PAST DUE: $2,187.23 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,187.23 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067 -4177 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If lender refers your case to its attorneys, but you cure the delinquency before the lender begins PA N01 page of 7196 9006 9296 9639 4809 legal proceedings against you, yctu 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 will 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 not be required to nay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time uo to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice, A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: 350 Highland Drive Lewisville, TX 75067 -4177 Phone Number: 1- 888 -480 -2432 Fax Number: 1- 972 - 315 -6827 Contact person: Colleen Lesher E -Mail Address: customer .service @nationstarmail.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OPP THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) PA N01 Pagesof7 7196 9006 9296 9639 4809 E r • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act, Title 15, U.S.0 1692(g), you may dispute the validity of this debt, or any portiori 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, Colleen Lesher Dedicated Loan Specialist Nationstar Mortgage, LLC 1 -07- 450 -8638 ext. 4594993 350 Highland Drive Lewisville, TX 75067 -4177 r FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE, TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE X; REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER. PA N01 Page 6of7 7196 9006 1296 9639 4609 4 ' HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Advantage Credit Counseling Service/CCd 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 t HC Page 7of7 7196 9006 9296 9639 4809 1664 THE COURTS FORM 1 Nationstar Mortgage LLC f /k/a Centex Home IN THE COURT OF COMMON PLEAS Equity Company, LLC CUMBERLAND COUNTY, 350 Highland Drive PENNSYLVANIA Lewisville, TX 75067, Plaintiff, CIVIL Vs. Steven C. Sheriff, Real Owner and Original Mortgagor 601 Conodoguinet Ave a/k/a Condoquinet Ave "Ural Carlisle, PA 17013, > CD and Stephanie Sheriff, Original Mortgagor' 601 Conodoguinet Ave a/k/a Condoquinet Ave Carlisle, PA 17013, Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court - supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 , sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. spec ully sub ' ed: Date Ro ert W. Will Esquire Milstead & Associates, LLC 1 E. Stow Road Marlton, NJ 08053 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: CLIST 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? C O-BORRO WER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INF ORMATIO N 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 ❑ 9.30269 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" Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop. payment Install. Loan Payments Cable TV Child Su ort/Alim. Spending Mone Da /Child Care /Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 9.30269 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. I /We understand that I /we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days • Copy of a current utility bill • Letter explaining reason for delinquency and any supporting documentation (hardship letter) ✓ Listing agreement (if property is currently on the market) 9.30269 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith �4t u; atu� � �,„ ry 2 -14 ' Chief Deputy R10 P 3: •t ty �Y Richard W Stewart DUMBERLAqD Solicitor L:xg CE wi-E$HER1 ," PENNSYLVANIA Nationstar Mortgage LLC f/k/a Centex Home Equity Company Case Number vs. Steven C Sheriff(et al.) 2014-679 SHERIFF'S RETURN OF SERVICE 02/25/2014 06:07 PM - Deputy Jason Kinsler, 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: Stephanie Sheriff at 601 Conodoguinet Avenue a/k/a Condoquinet Ave, North Middleton, Carlisle, PA 17013. JASO KIN E , EPUTY 02/25/2014 06:07 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Stephanie Sheriff, wife, who accepted as"Adult Person in Charge"for Steven C Sheriff at 601 Conodoguinet Avenue a/k/a Condoquinet Ave, North Middleton, Carlisle, PA 17013. J' -ON INSL' r PUTY SHERIFF COST: $57.56 SO ANSWERS, February 28, 2014 RONNK R ANDERSON, SHERIFF ,-, PM 3: r 1°*1 B I, YL tir ,C OUNT )1 PENNS VA NIA Nationstar Mortgage LLC Vida Centex Home Equity Company, LLC 350 Highland Drive Lewisville, Tx 75067 Court of common pleas Cumberland County No. 14-679 Civil Action Mortgage Foreclosure Plainftiff Vs Steven C. Sheriff 601 Conodoguinet Ave Carlisle, PA 17015 And Stephanie Sheriff 601 Conodoguinet Ave Carlisle, PA 17015 Defendants Steven and Stephanie Sheriff, respectfully request the claim be dismissed as we are diligently working the lender, Nationstar Mortgage Company to resolve the issue through all processes, currently working through Making Home Affordable or an in house modification. The modification process was initiated in November 2013 and we are still working with Mr. Chavez a dedicated loan specialist from Nationstar Mortgage Company. We hope to have the modification in effect by April 30, 2014. Payments were being made in excess of the monthly payment up to and including the payment that was returned on November 5, 2013. The paperwork for the initial Making Home Affordable modification was emailed on November 7, 2013 also on the 7t" confirmation was requested no reply from Ms. Rowan. Confirmation was again requested on November 22, 2013 no reply. Numerous calls made no reply and when a representative answered we were told not to worry "they" nationstar would not foreclose on the property as it was in the process of modification. When the representative was ask why no paperwork/statements were being mailed we were told once again not to worry as long as the loan was in the modification process no further action would be taken. On January 3, 2014 a Mr. Chavez called and left a voicemail requesting we contact him. Called numerous times off and on for 3 weeks leaving messages to get a return call even speaking with other representatives having those reps tell us not to worry as long as the loan was in the process of modification our home would not be taken. Finally on March 3' 20141 spoke with Mr. Chavez who requested an electric/TV bill with the actual address on it which was sent via email on March 10, 2014. / ask him about being served foreclosure paperwork he said not to worry as long as the modification process was going nation star would not take our home. On February 2, 2014 Mr. Woolley from nation star contacted us concerning a "Dodd Frank Form" and requested it be filled out along with the RMA packet. This was done and returned via email on February 14, 2014, along with a request confirming receipt of paperwork. Reply received from Mr. Woolley on February 25, 2014 stating that the documents have been uploaded and the account is currently awaiting review. On March 22, 2014 received notice of another dedicated loan officer Marques Green would be taking over our account. Have not received a return call as of March 24, 2014. So it would seem from our side of this that nation star is trying to take our home just dragging out the process and the foreclosure suit be dismissed. March 20, 2014 Steven C Sherif Stephanie Sherif M 0243510605 - Message (HTML) — File Edit View Insert Format Tools Actions Help Reply I1 Q Reply to All U Forward [ a r le) b b. X u 4- a- A U Q From: Stephanie Sheriff Sent: Thu 11/7/2013 10:56 AM To: 'deborah .rowan @nationstarmail,com' Cc: Subject: 0243510605 Please confirm receipt of paperwork. Thank you I j I ! i I i i Making Home Affordable Program Request For Modification and Affidavit (RMA) . REQUEST FORMODIFICATION AND AFFIDAVIT (AMA) page 1 o n I.D. Number Da4.3attet Servicer ANY:97241116, MAKING HOME AFFORDABLE.00v COMPLETE Ali THREE PAGES OF THIS FORM' BORROWER 13.rrower's name ■ • t. S)At RA-K co-BORROWER Co-borrower's name -k_ The property is: wner Occupied 0 Renter Occupied 0 Vacant Social Security number i _5_421 Date of birth 6‘) b\ Vrid (-4 _,E,Pit:PAsvie Social Security number c.qija_ sa 8 Date of birth 7 I Q(2) \ Of tIO Home phone number with area code Agent's Phone Number: Counselor's Phone Number: Home phone number with area code Who pays the real estate tax bill on your property? Who pays the hazard insurance premium for your property? Dl do %ender does E Paid by condo or HOA Et I do Lender does LT Paid by Condo or HOA Are the taxes current? $Yes D No Is the policy current? Vi'es 0 No Condominium or HOA Fees 13 Yes 111 No $ Name of Insurance Co. :t R.,IE tkE7 KE 4' 14416 Cell or work number with area code D Have you filed for bankruptcy? DYes No If yes: 0 Chapter 7 0 Chapter Has your bankruptcy been discharged? C] Yes El No Bankruptcy case Cell or work number with area code number I want to: N.Keep the Property 0 Sell the Property The property is my: V, Primary Residence L] Second Home 0 Investment The property is: wner Occupied 0 Renter Occupied 0 Vacant Mailing address biA,_ AtiX613-1111,EC____AA,\I a ___0.,-A Property address (if same as mailing address, just write same) E-mail dress Is the property listed for sale? 0 Yes o Have you contacted a credit-counseling agency for help 0 Yes Have you received an offer on the property? Li Yes 0 No Ifyes, please complete the following: Date of offer Amount of offer 5 Counselor's Name: Agent's Name: Agency Name: Agent's Phone Number: Counselor's Phone Number: For Sale by Owner? DYes 0No Counselor's E-mail: Who pays the real estate tax bill on your property? Who pays the hazard insurance premium for your property? Dl do %ender does E Paid by condo or HOA Et I do Lender does LT Paid by Condo or HOA Are the taxes current? $Yes D No Is the policy current? Vi'es 0 No Condominium or HOA Fees 13 Yes 111 No $ Name of Insurance Co. :t R.,IE tkE7 KE 4' 14416 Paid to: Insurance Co. Tel #: 11-1 - 1 ly ii--g 107A Have you filed for bankruptcy? DYes No If yes: 0 Chapter 7 0 Chapter Has your bankruptcy been discharged? C] Yes El No Bankruptcy case 13 Filing Date: number Additional Liens/Mortgages or Judgments on this property: Lien Holder's Name/Servicer Balance Contact Number , Loan Number i 1\4 I I - , • • , . - - HAROSHO'AFFIDAVIT I (We) am/are requesting review under the Making Home Affordable program. I am having difficulty making my monthly payment because of financial difficulties created by (check all that apply): (V, My household income has been reduced. For example: unemployment, = My monthly debt payments are excessive and I am overextended with underemployment, reduced pay or hours, decline in business earnings, I my creditors. Debt includes credit cards, home equity or other debt. death, disability or divorce of a borrower or co-borrower. My expenses have increased. For example: monthly mortgage payment ; y cash reserves, including all liquid assets, are insufficient to maintain reset, high medical or health care costs, uninsured losses, increased , my current mortgage payment and cover basic living expenses at the utilities or property taxes. i same time. 7_, Other: Explanation (continue on back of page 3 if necessary): 1..t V ..%, v. , - ( • . 4 tl. 8 page 1 of 3 )1 ACKNOWLEDGEMENT AND AGREEMENT In making this request for consideration under the Making Home Affordable Program, l certify under penalty of perjury: 1. That all of the information in this document is truthful and the event(s) identified on page 1 is /are the reason that I need to request a modification of the terms of my mortgage loan, short sale or deed -in -lieu of foreclosure. 2. I understand that the Servicer, the U.S. Department of the Treasury, or their agents may investigate the accuracy of my statements, and may require me to provide supporting documentation. I also understand that knowingly submitting false information may violate Federal law. 3. I understand the Servicer will pull a current credit report on all borrowers obligated on the Note. 4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any fact(s) in connection with this document, the Servicer may cancel any Agreement under Making Home Affordable and may pursue foreclosure on my home. S. That: my property is owner - occupied; I intend to reside in this property for the next twelve months; I have not received a condemnation notice; and there has been no change in the ownership of the Property since I signed the documents for the mortgage that I want to modify. 6. I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner, 7. I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification or short sale or deed -in -lieu of foreclosure, but the Servicer is not obligated to offer me assistance based solely on the statements in this document. 8. I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt. 9. I understand that the Servicer will collect and record personal information, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity. I understand and consent to the disclosure of my personal information and the terms of any Making Home Affordable Agreement by Servicer to (a) the U.S. Department of the Treasury, (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s); (d) companies that perform support services in conjyt Lion with Making Home Affordable; and (e) any HUD - certified housing counselor. Borrower Signature Co- Borrower Signature Date Date HOMEOWNER'S HOTLINE If you have questions about this document or the modification process, please call your servicer. If you have questions about the program that your servicer cannot answer or need further counseling, you can call the Homeowner's HOPE' Hotline at 1- 888 - 995 -HOPE (4673). The Hotline can help with questions about the program and offers free HUD- certified counseling services in English and Spanish. 888- 995 -H ©PE Homeowner's HOPE Hotline Be advised that by signing this document you understand that any documents and information you submit to your servicer in connection with the Making Home Affordable Program are under penalty of perjury. Any misstatement of material fact made in the completion of these documents including but not limited to misstatement regarding your occupancy in your home, hardship circumstances, and /or income, expenses, or assets will subject you to potential criminal investigation and prosecution for the following crimes: perjury, false statements, mail fraud, and wire fraud. The information contained in these documents is subject to examination and verification. Any potential misrepresentation will be referred to the appropriate law enforcement authority for investigation and prosecution. By signing this document you certify, represent and agree that: 'Under penalty of perjury, all documents and information I have provided to Lender in connection with the Making Home Affordable Program, including the documents and information regarding my eligibility for the program, are true and correct" If you are aware of fraud, waste, abuse, mismanagement or misrepresentations affiliated with the Troubled Asser Relief Program, please contact the SIGTARP Hotline by calling 1- 877- SIG-2009 (toll- free), 202 - 622 -4559 (fax), or wwwsigtarp.gov and provide them with your name, our name as your servicer, your property address, loan number and reason for escalation. Mail can be sent to Hotline Office of the Special Inspector General for Troubled Asset Relief Program, 1801 L St. NW, Washington, DC 202.20. poge of 3 M loan modification paperwork 0243510605 - Message (Plain Text) File Edit yiew Insert Format Tools Actions t elp AI Reply t a Reply to All Forward I, '1. r [ 6 t fa x ii 4 • 1- - As 1.1 o i From: Stephanie Sheriff Sent: Thu 11/7/2013 5:57 AM To: 'deborah.rowan@nationstarmail.com' Cc: Subject: loan modification paperwork 0243510605 • Attachments: t doc20131107095012.pdf (624 KB) , Ms. Rowan, Here is the paperwork needed to start the medication process. I did call the hotline for help. Thank you Stephanie Sheriff Original Message-- From: KyoceraColorCopyRoom@carlislecc.corn [mailto:KyoceraColorCopyRoomOcarlislecc.coml Sent: Thursday, November 07, 2013 9:50 AM To: Stephanie Sheriff Subject: Scanned Image From Kyocera MEP TASKalfa 400c1 [00:c0:ee:4c:b5:85] M RMA loan # 0243510605 - Message (Plain Text) _ 4 File Edit View Insert Format Tools Actions Help :'.. Reply j1 a Reply to All ii (4Forward jj al jA1'.?),- 4 ir 40 4z3 x 4 40. • 1- • A L . . . . , . . . , . .. , ,... . , . . From: Stephanie Sheriff Sent: Fri 11/22/20133:12 PM To: 'deborah.rowan@nationstarmail.com' Cc: Subject: RMA loan # 0243510605 Attachments: IN doc20131122161002.pdf (797 KB) Hello This is the only way to send paperwork I do not have access to a fax. Please confirm receipt of paperwork Thank you ssheriff yzi, M LOAN MODIFICATION FOR 0243510605 - Message (HTML) il File Edit " View Insert Format `Tools Actions Help r , Reply' L a Reply to All Forward r 8.,I `"Q 'X V • A° u From: Stephanie Sheriff Sent: Fri 2/14/2014 2:43 PM To: 'Benjamin ,Woolley @nationstarmail.corn Cc: Subject: LOAN yMODIFICATION FOR 0243510605 Lr� Attachments: doc20140214143929.pdf (729 KB) please confirm recpt and if all paperwork is correct and accounted for thank you ,*rj OQA3SIOL905 Making Home Affordable Program Request For Mortgage Assistance (RMA) ��/.�■ SM MAKING HOME AFFORDABLE.GOV If you are experiencing a financial hardship and need help, you must complete and submit this form along with other required documentation to be considered for foreclosure prevention options under the Making Home Affordable (MHA) Program. You must provide information about yourself and your intentions to either keep or transition out of your property; a description of the hardship that prevents you from paying your mortgage(s); information about all of your income, expenses and financial assets; whether you have declared bankruptcy; and information about the mortgage(s) on your principal residence and other single family real estate that you own. Finally, you will need to return to your loan servicer (1) this completed, signed and dated Request for Mortgage Assistance (RMA); and (2) completed and signed IRS Form 4506 -T or 4506T -EZ; and (3) all required Income documentation identified in Section 4. When you sign and date this form, you will make important certifications, representations and agreements, including certifying that all of the information in this RMA is accurate and truthful. Rt'�RROW .ER 1NFf3R T1i ............................ .............. ............................. BORROWER'S NAME - C5 \)Ef,1 K ��,- SOCIAL SECURITY NUMBER DATE OF BIRTH (MM /DD/YY) n Gl 5k4 05 V C75 tukuip CO- BORROWER'S NAME SOCIAL SECURITY NUMBER DATE OF BIRTH (MM/DDrYY) HOME PHONE NUMBER WITH AREA CODE ill 503 ca ©I 3 HOME PHONE NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE MAILING ADDRESS (sp -U 1 Oe r A C& Ustg MAILING ADDRESS (IF SAME AS BORROWER, WRITE "SAME") EMAIL ADDRESS EMAIL ADDRESS SS &eari%5IUC M. CD r Has any borrower filed for bankruptcy? ND ❑ Chapter 7 ❑ Chapter 13 Is any borrower a servicemem•er? ❑ Yes ❑ No Filing Date: Bankruptcy case number: Have you recently been deployed avvay f rom your principal residence or recently received a permanent change of station ❑ Yes ❑ No Has your bankruptcy been discharged? ❑ Yes ❑ No order? How many single family properties other than your principal residence do you and/or any co- borrower(s) oven individually, jointly, or with others? ` Has the mortgage on your principal residence ever had a Home Affordable Modification Program (HAMP) trial period plan or permanent modification? ❑ Yes It] No Has the mortgage on any other property that you or any co- borrower oval had a permanent HAMP modification? ❑ Yes 4 No If "Yes ", how nervy? Are you or any co-borrower currently in or being considered for a RAMP trial period plan on a property other than your principal residence? ❑ Yes [A No Page 1 of 7 03/30/12 I (We) am/are requesting review under MHA. I am having difficulty making my monthly payment because of financial difficulties created by (check all that apply): My household income has been reduced. For example: reduced pay or hours, ❑ decline in business or self - employment earnings, death, disability or divorce of a borrower or co- borrower. ❑ My monthly debt payments are excessive and I am overextended with my creditors. Debt includes credit cards, home equity or other debt. My expenses have increased. For example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes. ,, My cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time. I am unerrpbyed and (a) I am receiving/will receive unemployment benefits or 0 (b) my unenpbyment benefits ended less than 6 months ago. Other: Explanation (continue on a separate sheet of paper if necessary): Page 1 of 7 03/30/12 cpa\-MIoL.005 ORRQWEF kN :CA= BQRFt? W R::AC1 .............. ............................... I certify that all of the information in this RMA is truthful and the hardship(s) identified above has contributed to submission of this request for mortgage relief. I understand and acknowledge that the Servicer, the U.S. Department of the Treasury, the owner or guarantor of my mortgage loan, or their respective agents may investigate the accuracy of my statements, may require me to provide additional supporting documentation and that knowingly submitting false information may violate Federal and other applicable law. I authorize and give permission to the Servicer, the U.S. Department of the Treasury, and their respective agents, to assemble and use a current consumer report on all borrowers obligated on the loan, to investigate each borrower's eligibility for MHA and the accuracy of my statements and any documentation that I provide in connection with my request for assistance. I understand that these consumer reports may include, without limitation, a credit report, and be assembled and used at any point during the application process to assess each borrower's eligibility thereafter. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or if it is determined that any of my statements or any information contained in the documentation that I provide are materially false and that I was ineligible for assistance under MHA, the Servicer, the U.S. Department of the Treasury, or their respective agents may terminate my participation in MHA, including any right to future benefits and incentives that otherwise Would have been available under the program, and also may seek other remedies available at law and in equity, such as recouping any benefits or incentives previously received. I certify that any property for which I am requesting assistance is a habitable residential property that Is not subject to a condemnation notice. I certify that I am willing to provide all requested documents and to respond to all Servicer communications in a timely manner. I understand that time is of the essence. I understand that the Servicer will use the information I provide to evaluate my eligibility for available relief options and foreclosure alternatives, but the Servicer is not obligated to offer me assistance based solely on the representations in this document or other documentation submitted in connection with my request. I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt. If I am eligible for assistance under MHA, and I accept and agree to all terms of an MHA notice, plan, or agreement, I also agree that the terms of this Acknowledgment and Agreement are incorporated into such notice, plan, or agreement by reference as if set forth therein in full. My first timely payment, if required, following my servicer's determination and notification of my eligibility or prequalification for MHA, assistance will serve as my acceptance of the terms set forth in the notice, plan, or agreement sent to me. 10. I understand that my Servicer will collect and record personal information that I submit in this RMA and during the evaluation process, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about my account balances and activity. I understand and consent to the Servicer's disclosure of my personal information and the terms of any MHA notice, plan or agreement to the U.S. Department of the Treasury and its agents, Fannie Mae and Freddie Mac in connection with their responsibilities under MHA, companies that perform support services in conjunction with MHA, any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien Of applicable) mortgage loan(s) and to any HUD - certified housing counselor. 11. I consent to being contacted concerning this request for mortgage assistance at any e-mail address or cellular or mobile telephone number I have provided to the Servicer. This includes text messages and telephone calls to my cellular or mobile telephone. 12, I understand that if my monthly payment did not include escrows for taxes and insurance, I will now be required to do so. I understand that any prior waiver that allowed me to pay directly for taxes and insurance is revoked. I agree to establish an escrow account and to pay required escrows into that account. The undersigned certifies under penalty of perjury that all statements in this document are true and correct. 1 - 1 9 5 4 /09% � i ( s C \ N \ `f Social Security Number Date of Bin Date Co- Borrower Signature Social Security Number Date of Birth Date Page 6 of 7 03/30/12 Re: LOAN MODIFICATION FOR 0243510605 - Message (HTML) g File Edit yiew Insert Format Tools Actions Help apply It1 Reply to Ali ForEard I a 4. h From: Benjamin.Woolley@nationstarmail.com To: Stephanie Sheriff Cc: Subject: Re: LOAN MODIFICATION FOR 0243510605 Sent: Sat 2/15/2014 10:57 AM Thank you for the documents. Could you please provide a months worth of paystubs within 90 days validity and date the 4506T? Thank you, Benjamin Woolley Loan Counselor 350 Highland Drive, Lewisville, TX, 75067 (P) 480-467-0585 (F) 972-966-4804 Benjamln.Woolley@natIonstarmail.com Nationta From: "Stephanie Sheriff' <ssheriff@oarlislecc.com> To: <Benjamin.Woolley@nationstarmail.com>, Date: 02/14t2014 12:42 PM Subject: LOAN MODIFICATION FOR 0243510805 please confirm recpt and if all paperwork is correct and accounted far thank you[attachment "doc20140214143929.pdr deleted by Benjamin Woolley/Mortgage] �= FW: ppl bill _. LOAN MODIFICATION PAPERWORK 0243510605 - Message (Plain Text) C_ 1 ❑ l ^J File Edit s Insert Fo maN Toolst Actions° . Help ai...13_eply,L1=1/1/2.1iLiakritilajaAljtki You forwarded this message on 3/11 /2014 3:06 PM. From: Stephanie Sheriff Sent: Mon 3/10/2014 11:01 AM To: 'Joe.Chavez @nationstarmail.com' Cc: Subject: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Please confirm receipt of paperwork. Thank you ssheriff Original Mebsage From: Stephanie Sheriff Sent: Friday, March 07, 2014 7:13 AM To: 'Joe.Chavez @nationstarmail.com' Subject: FW. ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Good morning Mr. Chavez, I apologize but 1 was having trouble copying the face of the bill I hope this is ok to use if not please let me know and I will try another computer and hope it works. A inn ninn nn nn nfirrn rn nn in f of f in in in vn nil D Cl E M FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 - Message (Plain Text) tv_ 1!J_E(. File Edit View Insert Format Tools Actions Help it Reply A Reply to All I a, Forward t a II r 1i. li X 4 - i> - A_ U ® I ; ro5 fo:iSrded this message on 3,1111:2014 3:06 PM, x From: Stephanie Sheriff Sent: Mon 3/10/2014 11:01 AM To: 'Joe.Chavez ©nationstarmail,com' Cc: Subject: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Please confirm receipt of paperwork. Thank you ssheriff Original Mebsage From: Stephanie Sheriff Sent: Friday, March 07, 2014 7:13 AM To: 'Joe.Chavez @nationstarmail.corn' Subject: FW ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Good morning Mr. Chavez, I apologize but I was having trouble copying the face of the bill I hope this is ok to use if not please let me know and I will try another computer and hope it works. A inn ninnnn pin In frm nfl pin in I nf ft. in. in sir, pu . a . _ . ... . . ___ . .. _. . ._ . ___ . . .. . ........_ M. FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 - Message (Plain Text) :4 File Edit: yievi : Insert. . Fgrmat Tools Actions Help ForEard 1Ai, r 46.183 1 ":, gjfill From: Stephanie Sheriff Sent: Tue 3/1112014 3:07 PM To: l3oe,Chavez@nationstarmailcoml Cc: Subject: FW: ppl bit ..„.LOAN MODIFICATION PAPERWORK 0243510605 Please confirm receipt of paperwork that was requested. I will again try to call tonight. Thank you Original Message From: Stephanie Sheriff Sent: Monday, March 10, 2014 11:01 AM To: Voe.Chavez@nationstarmail.com' Subject: FW pp/ bill __LOAN MODIFICATION PAPERWORK 0243510605 Please confirm receipt of paperwork. Thank you ssheriff Original Message-- From: Stephanie Sheriff Sent: Friday, March 07, 2014 7:13 AM To: Voe.Chaveznationstarmail.corn' M Re: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 - Message (HTML) r: I71 X File Edit yiew Insert Format Tools Actions Help Reply j :f''.) Reply to Al L ForEard t 4-t , a ,ta, - .9 ,.. g li 6 1 :tr.yozivipd on 3/17/014 248 PM, • . From; 3oe,Chayez©nationstarmail.com Sent: Sat 3/15/2014 11:38 AM To: Stephanie Sheriff Cc: Subject: Re: FW; ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Mrs, Sheriff I left you a voice mail. I will try to get in contact with you again shortly. Also, if we need to rely on email a little bit more then I am perfectly okay with doing that. Please let me know if you need anything else in order to assist you. Joe Chavez Joseph Chavez PLS Loss Mitigation NationStar Dedicated Loan Specialist MORTGAGt 350 Highland Drive M RE: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 - Message (HTML) l^_ File Edit ` yiew Insert Format Tools Actions Help i• I 4 Reply b Reply to All Ii 4 Forward t, [ 4(8 X - A I From: Stephanie Sheriff To: 'Joe.Chavez @nationstarmail.com' Cc: Subject: RE: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Sent: Mon 3/17/2014 2:49 PM Hello Mr. Chavez, Yes if you don't mind email is the best way to communicate and for us to send paperwork so we both have copies and when the paperwork was sent. Was the electric bill I sent last week ok to use for the harp process? If not, I will try again to get a better copy let me know. I would also like to know where the modification process is and how it is looking. Thank you ssheriff From: Joe.Chavez @nationstarmail.com [ mailto :Joe.Chavez @nationstarmail•com] Sent: Saturday, March 15, 2014 11:38 AM To: Stephanie Sheriff Subject: Re: FW: ppl bill LOAN MODIFICATION PAPERWORK 0243510605 Mrs. Sheriff I left you a voice mail. I will try to get in contact with you again shortly. Also, if we need to rely on email a little bit more then 1 am perfectly okay with doing that. Please let me know if you need anything else in order to assist you. Joe Chavez Joseph Chavez PLS Loss Mitigation Dedicated Loan Specialist 350 Highland Drive Lewisville, Tx 75067 480-467 -0540 Direct 469 - 312 -4206 FAX Nationstar MORTGAGE iE. Hc: comcasl TV bill LOAN MODIFICATION PAPERWORK 0243510605 • Message R1TML) Edt pro boson FgI.N I000 adkns :. .&del eig.rty toN{ F«TS.td1i3 AJr.s 1,615; X i. +.. o.. p.1,€),� pan Fpm: Stevenasseig bndarmd.0Om To: 510s:0.5/raft Cr ALPtt Re: states[ TV W» »» LOAN BTOOIFICATION PAPERWORK 024710605 Alt edrtts: t2011fii 19, b p& (452 KB); Q ATT253733.0t (2236) Sent: Toe 3/25)2014 3:(5 PM Received documents and cent to underwriting! stamen cannel Forodoaor. Prevention 000dellet 330 Highland Dd.. l.mHr01., TK 73062 688. 830.9398 Dept 480 -462 -0221 dace 469.312.4368 no At Ones. Natten.te may ad •■ • debt collector and any Information obtained may be used for Mat tome.. Nation t prom: •81•pfsnl. 66HIN' <eM.de0eadia.te.mm To: •d1000lle.ogmseemtann.N.tem. Data: 032214/02 AN Sub,. coma. TV bm.e...s LOAN NOODICATION PAPERWORK 0343610033 I could not get the electric bill in PDT so here is the TV bill. Please confirm receipt and that the papercork is sent for proceeelrg. Thank you MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 l E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff 9.30269 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff, Vs. Steven C. Sheriff, Real Owner and Original Mortgagor, and Stephanie Sheriff, Original Mortgagor, Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-679 Civil Praecipe to Dismiss the Mortgage Foreclosure Action without Prejudice TO THE PROTHONOTARY: Kindly dismiss the above captioned Mortgage Foreclosure Complaint without Prejudice. MILSTEAD & ASSOCIATES, LLC Robert . Williams, Esquire Attorney ID No. 315501