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HomeMy WebLinkAbout14-0680 Supreme Court.of Pennsylvania Cou 5 f Common Pleas • �+ V O For Prothonotart• Use Only: iv><1.Co _et-, Sheet C be land' County Docket? °o: to 77re it formation collected ort this forrrr is used solely,for cbttr•t odrnnirrisn•atiorr purposes. 'Phis fibrin does not supplement or replace the filing and service gflileadurgs or other papers as required by lax' or rules of court. Commencement of Action: S ® Complaint ❑ Writ of Summons ❑ Petition. E El Transfer from Another Jurisdiction El Declaration of Takin C Lead Plaintiff's Name: Lead Defendant's Name: T Nationstar Mortgage LLC Meri E. Haunstein, et al I Are money damages requested? ❑ Yes ® No Dollar Amount Requested: ❑ within arbitration limits O check one 1:1 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 I Po Sep Litigant) Nature of the Case Place an 'X' to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that y ou consider most important. TORT (do not include Mass Tort) CONTRACT (do not include judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Nuisance El Debt Collection: Other ❑Board of Elections El Premises Liability ❑Dept. of Transportation ❑ Product Liability (does not include ❑ Statutory Appeal: Other mass tort) ❑ Employment Dispute: S ❑ Slander/Libel/Defamation Discrimination E ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board C ❑ Other: T MASS TORT ❑ Other: I ❑ Asbestos O ❑ Tobacco rl ❑ Toxic Tort —DES El Toxic Tort — Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ❑ Ejectment El Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlordfrenant Dispute ❑ Non - Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order i PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: MILSTEAD & ASSOCIATES, LLC ` Q` f� }, BY: Robert W. Williams, Esquire ID No. 315501 l: 34 tow Road I E. Marlton NJ 0 053 P ' kk�S A� V ��Uti �q (856) 482 -1400 Attorney for Plaintiff File: 9.24049 Nationstar Mortgage LLC COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY Lewisville, TX 75067, Plaintiff, �(�• � L) tvr r Vs. No.. Meri E. Haunstein CIVIL ACTION MORTGAGE 985 Hauck Road FORECLOSURE Mechanicburg, PA 17055, Defendant l.J� 1 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 COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY Lewisville, TX 75067, Plaintiff, No.. Vs. CIVIL ACTION MORTGAGE Meri E. Haunstein FORECLOSURE 985 Hauck Road Mechanicburg, PA 17055, Defendant COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationstar Mortgage LLC (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendant, Meri E. Haunstein, (the "Defendant "), is an adult individual and is the real owner of the premises hereinafter described by virtue of a Deed dated August 29, 2008, recorded September 22, 2008 in Deed Instrument 200832089. The Deed is attached hereto as Exhibit " A " and made a part hereof. 3. Defendant Meri E. Haunstein, upon information and belief, resides at 985 Hauck Road, Mechanicburg, PA 17055. 4. On June 15, 2009, in consideration of a loan in the principal amount of $96,172.00, Defendant Meri E. Haunstein executed and delivered to Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Franklin American Mortgage Company a note (the "Note ") with interest thereon at 5.375 percent per annum, payable as to the principal and interest in equal monthly installments of $538.54 commencing August 1, 2009. The Note is attached hereto as Exhibit "B" and made a part hereof. 5. To secure the obligations under the Note, the Defendant executed and delivered to Mortgage Electronic Registration Systems, Inc. as nominee for Franklin American Mortgage Company a mortgage (the "Mortgage ") dated June 15, 2009, recorded on June 23, 2009 in the Department of Records in and for the County of Cumberland under Mortgage Instrument 200921203. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded January 7, 2013 under Instrument 201300574. The recorded Assignment of Mortgage is attached hereto as Exhibit "D" and made a part hereof. 7. The Mortgage secures the following real property (the "Mortgaged Premises "): 120 East Penn Street, Carlisle, PA 17013. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E" and made a part hereof. 8. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due April 1, 2011, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ................. .....................$93,921.36 Accrued but Unpaid Interest from 3/1/11 to 9/19/13 ................... .....................$13,041.39 Corporate Advance.......... ...... ......................$1,989.69 Escrow Advance .................... ......................$7,747.60 Other Fees . ............................... .........................$17.74 TOTAL as of 09/19/2013 .......................... $116,717.78 Plus, the following amounts accrued after September 19, 2013: Interest at the Rate of 5.375 percent per annum ($420.69 per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly ( "Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendant at 120 East Penn Street, Carlisle, PA 17013 as well as to address of residences as listed in paragraph 3 of this document on June 11, 2013, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notice is attached hereto as Exhibit "F" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $116,717.78, plus the following amounts accruing after September 19, 2013, to the date of judgment: (a) interest of $420.69 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. 71DASSOICIATES, LLC Date: Robe W. Williams, Esquire Attorney for Plaintiff VERIFICATION Jennifer Huynh , hereby states that he /she is Assistant Secretary of Nationstar 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 unsworn falsification to authorities. e: Je nifer Hu nh Title: Assistant Secretary DATE: i File #: 9.24049 Name: Meri E. Haunstein I i j i i Exhibit "A" I 00148P Prepared by: HAROLD S. IRWIN, fit, ESQ IRWIN LAW OFFICE 64 South Pitt Street. Carlisle, PA 17013 I!,; 717 - 243.6090 Irwinlawofficef&gmail.com Parcel 107 Ox - 21 - 0318 - 059 DEED I. MADE THE 29 day of August, 2008, I` BETWEEN SHANE M. MACHO, single man, of Carlisle, Cumberland County, Pennsylvania, !` hereinafter called Grantor, AND MERI E. HAUNSTEIN, single woman, of Carlisle, Cumberland County, Pennsylvania, I.: hereinafter called Grantee: i WITNESSETH, that in consideration of the sum of Ninety -five Thousand Five Hundred and no /100 ($95,500.00) Dollars, in hand paid, the receipt whereof is hereby acknowledged, the grantor hereby grants and conveys to the grantee, her heirs and assigns: ALL THAT CERTAIN lot of ground and the improvements thereon situate in the First Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: ON the North by Penn Street; on the East by property now or formerly of Charles E. Blosser; on the South by an Alley; and on the West by property now or formerly of W. H. Lantell; containing 14 1/2 feet in front on said Penn Street and extending at an even width a distance of 118 feet, more or less, to said alley. i< is BEING improved with a dwelling house known as No. 120 East Penn Street, Carlisle, =: Pennsylvania 17013. BEING the same property which KEITH E. JONES, single man, and MICHELE R. WILEY, single woman, granted and conveyed to SHANE M. MASCHO, single man, grantor herein, by o I., deed dated June 17, 2005 and recorded June 22, 2005 in the Cumberland County Recorder of Deeds Office in Deed Book 269, Page 2444. I . i.: SUBJECT to any and all agreements, exceptions, reservations, or conditions entered into by l prior owners of record. AND the grantor hereby covenants and agrees that he will warrant specially the property hereby conveyed. i IN WITNESS WHEREOF, the grantor has hereunto set his hand and sea[ the day, month and ' year first above written. Signed, sled and Delivered the presence of c' (SEAL) SHANE .MASCHO i I i i' i I i a COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND On this, the 29 day of August, 2008, before me the undersigned officer, personally appeared SHANE M. MASCHO, single man, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that he executed same for the purposes therein contained, l IN WITNESS WHEREOF, I hereunto set my h nd d seal. . i I4Z `90 U9�d s�+dxo uolsslwtum CW ,�/ ��-�/ � i ' 4-0 Pu¢laN- O'olsill* C (S AL otlynd . M0K'bq'nl u!^"I'SPIORH - naslyrdyloN Notary Public VINVAIA.SI4N34 30 HSIV9MN0M00 I do hereby certify that the precise residence and complete post office address of the within I named grantees is; 420 EAST PENN STREET, CARLISLE, PA 17013, I August 29, 2008 Attorney for grantee HAROLD 4. IRWIN, III Attorney -At -Law 64 South Pitt $treat Carlisle, PA 17013 (717) 243 -6060 1 �5 I i'. I; k ROBERT P. ZIEGLER RECORDER OF DEEDS' CUMBERLAND COUN ..._ I COURTHOUSE SQUARE CARLISLE, PA ,27013 - 717 - 240 -6370 Instrument Number - 200832089 Recorded On 9/22/2008 At 12:15 :25 PM * TotaI Pages - 4 * Instrument Type - DEED invoice Number - 29387 User ID - MSW * Grantor - MASCHO, SHANE M' * Grantee - HAUNSTEIN, MERI F. * Customer - SUSQUEHANNA AB CO * FEES STATE TRANSFER TAX $955.00 Certification Page STATE WRIT TAX $0.50 STATE JCS /ACCESS TO $10.00 DO NOT DETACH. JUS RECORDING FEES - $11.50 This page is now part RECORDER OF DEEDS AFFORDABLE HOUSING $11. of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 CARLISLE AREA SCHOOL $477.50 DISTRICT CARLISLE BOROUGH $477,50 TOTAL. PAID $1,948.50 i T Certify this to be recorded in Cumberland County PA is O* Cuq►,�� =DE REC ' I} �EDS ` l Y7bD * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 00148P Exhibit "B" _7 CRPRDNRBS46b 12/8/2011 6:27:43 PM PACE 23/040 888-294-5658 NOTE ug, 2009 [Date] 120 E. PENN STREET, CARLISLE, PENNSMANIA 17013 [Property Address] 1. )PARTIFS "Borrower" means each person signing at the emi or this Note, and the person's succestuirs and assigns. "Lender" means MNT 1XN AMMICAN MORTGAGE COMPANY and its successors and assigns. 2. BORROWERISTROMSETO PAY; INTERM In return for a loan received from Lender, Borrower promises to pay the principal suin of NINETY-SIX THOUSAND ONE HUNDRED SEM"TY-TWO AND 001100ths Dollars (U.S.$96,172.00), plus interest, to the order of Under. Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of FIVE AND THRE&EIGUTHS percent (5,3750 per year until the fall amount of principal has been paid. 3, PROMISE TO PAY SECURED Burrovier's promise to pay is secured by a Mortgage, Deed of Truxt or similar security instrument that is dated the MMO date as this Noft and called the "Security ImtrumeM." The Security Imtrilment protects the Lender from loam which might result it Borrower defaults undor this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Leader ou the ISr day of each month begWaing on AUGUST 1, 2009. Any principal and interest mmainiul vit the; 1ST day of JULY, 2039, will be due on that date, which iA CALM the 'Maturity Date." (B) Plam Payment shall be made at 501 CORPORATE CENTRE DRTVF,, SUITE 400, FRANKLE TENNESSEE 37067 or at such place as Lender may deuignate in wrlda8 by notice to Borrower. (C) Amount Bach monthly payment or principal and latorest will N to dw amount of U.S. $538,54. This amount Will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other Items in the order described In The Security Imstitunem. (D) Allonge to this note for paytnenL adjustinvats If an allonSe jmvidlag for payment adjustments is executed by Borrower together wick Ibis Note, the covenants of the allonge.shall be incorporated into and shall mend and supplement the covenants of this Note as if the allonge were a part of this No(o. [Check applicable box.] I Graditated Paynirut.Allonge I Other [Specify] I Growing Equity Allonge FUA PENNSYLVAN'rA FIXED RATE NOTE 6196 OVIO29 OVO f Of $Faselv) Rev. WO7 gage b of 8) CRPRDNRBS46b 12/8/2011 6:27:43 PM PAGE 25/040 888-294-5658 S. BORROWER'S RIGHT TO PREXAV 5. M6v)M1'V&ft W" A tht evidenced by this Note. in whole or in vart. without charar or Borrower has the right to PAY the debt evidenced by this Note, in whole or in hart, without charge or penalty, on the. first dity of any inouth. Lender shaft accept prepayment on other days provided that Borrower pays Interest on the amount prepaid for the remainder of the month to the -extent required by Lender and Permitted by Mgnladoas of the.SacrelAry. It Romwer makes a partial prepayment, there will be M changes in the due• date or In the amount of the monthly payment unless Under agrees in writing to those changes, 6, BORROWER'S FAILMM TO PAY (A) 1,ale Charge for Overdue Payments If Lender has not received the full m onthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note, by die end of fifteen calendar days -after the paymett ja due, Lender =y collect a late charge in the amount of FOUR percent ( 4,00%) of the overdue amount of each payment. (B) Ddault If Bornwor defaults by failing to pay in hill any monthly payment, then Under may, except as limited by regulations of the Secretary in the case of payment defaults, require Immediate payment in full or the principal balance remaining due and all accrued interest. Lender may choose riot to exercise this option w i& u t waiving Its rights in the event of any subsequent default. In many ctricumsLawas regulatiom; issued by th Secretary will limit Lender's TWAS to require launedlate. payment in fa in the cage of paymout defaults, This Note dots no t authorize acceleration when not permitted by HUD regulations. As used In this Note, "Secretary" nears the Secretary of Housing and Urban Developniant or bis or her designee. Payment of Costs and Expenses If Lender bus required lunnedIale Payment in full, as described aixive, Lender may require Borrower to Pay costs and expenses laoludingreasonable and customary attonjeys' fees for enforcing. this Note to The extent not prohibited by applicable law. Such fees and costs shall bear Interest from the (Lite. of disbursement at the aawo rate as ft principal of this Note. 7. 'WAMRS Borrower and any other person who has obligations under this Note waive, the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due, "Notice of disho=` means the right to require Lender to ghre notice to Other persons that amounts due have not beets paid. S. GMNGOI?f;OTICFS Unless applicable law requires a different method, any - notice that roust be given to Borrower under this Note will be given by delivering it or by mulling It by first class mill to Borrower at die property a above or at tL different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mall to Lander at the address stated in Paragraph 4(B) Or at a different address if Borrower is given a notice of that different address_ M& PENNSYLVANIA FIXED RATE NOTE GV 1.U26 (pxec 2 of 3 pages) Rw. N07 (rage I of 8) CRPRDNRBS48b 12/8/2011 6:27:43 PM PACE 27/040 888 -284 -5658 9. OBLIGATIONS OF PERSONS UNDER THUS NOTE 9. � k ��� 0 &P& is.fully and nersonatty oblieated to keen all of the If more than one person signs tttis Note, each person is fully and personalty obligated to keep all of the promises made in this Note. Including the promise to pay the .full auintttrt owed. Any person who is a guarantor, surety or endorser of this Note Is also obligated to do these things. Any parson who takes over these . oblip ous, including the obligations of a guarantor, =vty or endorser of this Note, i9 alm obligated to keep all of the promises made in this Note. I order may enforce its rights under this Note against each person individually or against all signatories together. Any one person sfgWng this Note may be required to pay all of the amounts owed under this Note. BY SIGNING# BELOW. Borrower accepts and agrees to the terms and covenants contained in this Note. I &L" C. +'' (,seal) (Soul) MEW E. ITAUNSTI;IN •De[towr Ilorrowor (Seal) (Seal) - Aunower - EbArnvG[ [Sign Original Only] PAY TO THE ORDER OF Bank of Amedca, N.A. FRAMMINAMERI'RcS.A 'AY TO THE NMORTCAGECO rnArnr t3 p � Op r BY. Bera tto J. Bill, Sr. V. Pa BANK OP AMERICA, NA lay Mf � .. S Jfp j VICE �'Ri» I&EN - MA PM4MLVAMIA FD A RATE NOTti 519G GV1028 (page 3 of 3 pager) Rev. 9107 i I i Exhibit "C" . f J C• t: I: i M•' When Recorded Mail To: i Franklin American Mortgage Company 501 Corporate Centre Drive, Suite 400 Franklin, Tennessee 37067 Tax Parcel Identification Number: 02-21- 0318 -059 [Space Above This Line For Recording Data] MORTGAGE THIS MORTGAGE ( "Security Instrument ") is given on JUNE 15, 2009. The mortgagor is MERI E. HAUNSTEIN, A SINGLE WOMAN ( "Borrower "). This Security Instrument is given to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") (SOLELY AS NOMINEE FOR LENDER, AS HEREINAFTER DEFINED, AND LENDER'S SUCCESSORS AND ASSIGNS), AS BENEFICIARY. MERS IS ORGANIZED AND EXISTING UNDER THE LAWS OF DELAWARE, AND HAS AN ADDRESS AND TELEPHONE NUMBER OF POST OFFICE BOX 2026, . FLINT, MICHIGAN 48501 -2026, ITLEPHONE (ggg)679 -MERS. FRANKLIN AMERICAN MORTGAGE i COMPANY, a corporation organized and existing under the laws of TENNESSEE, and whose address is 501 CORPORATE CENTRE DRIVE, SUITE 400, FRANKLIN, TENNESSEE 37067 ( "bender "). Borrower owes Lender the principal sum of NINETY -SIX THOUSAND ONE HUNDRED SEVENTY -TWO AND 00 /100ths Dollars (CI.S.$96,172.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due ! and payable on JULY 1, 2039. This Security Instrument secures to I.Jender: (a) the repayment of the debt i evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the ; payment of all other stuns, with interest, advanced under Paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenant-, and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant. and convey to MGRS (solely as nominee for Lender and I�ender's successors and assigns) and to the successors and assigns of MFRS the following described property located in CUMBERLAND County, Pennsylvania: i; I o f g 'EHA Pennsylvania Mortgage i'. r. AL-L THAT CERTAIN lot of ground and the improvements thereon situate in the Firot Warts of i•; the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: I. ON the North by Penn Street: on the East by property now or formerly of Charles E, Blosser, on the South by an Alley; and on the West by property now or fo r merly of W. H. Lantell; containing 14 112 fee; in front on said Penn Street and "ending at an even width a distance of i 18 feet, more or less, to said alley. BEING Improved with a dwelling house known as No, 120 East Penn Street, Carlisle, Pennsylvania 17013. f� BEING the same property which KEIT E, JONES, $tngle man, and MICHELE R. MEY, '• single woman, granted and Conveyed to SHAMS M. MASCHO, single man, grantor herein, by deed dated June 17. 2005 and recorded June 22, 2005 to the Cumberland County Reloorder of Deeds Office in peed Book 262, Page 2444. I SUBJECT to any and all agreements, exceptions, reservations, or conditions entered into by prior owners of record. r: I' i i; F. G` i I j i I i LEGAL DESCRIPTION ATTACKED HERETO AND MADE A PART HEREOF. which has the address of 120 E. PENN STREET_ CARLIS gSiieet} iPtyl Pennsylvania 17013 ( "Property Address "); 1Zlp Codrl T OCIETHER WITI3 all the improvements now or hereafter erected on the property, and. all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the ; "Property." Borrower understands and agrees that MFRS holds only legal, title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MFRS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and. canceling this Security Instrument. 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. T IIIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute s uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest and Late Charge. Borrower. shall pay when due die principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) i taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground ! rents on the Property, and (c) premiums for insurance required under Paragraph 4. In any year bi which the Lender must pay a mortgage insurance premium to the Secretary of housing and 'Urban Development ( "Secretary "), or in any year in which such prewium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a suns for the annual mortgage insurance premium to be paid. by Fender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instniment is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds," Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. § 2601 et sea. and implementing regulations, 24 CFR Part 3500, as they may be, amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursement, before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts herd by Lender for Escrow ltems exceed the amounts permitted to be held by RESPA, Under shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and -� require Borrower to snake up the shortage as permitted. by RESPA. t Page 2 of S Flu Pennsylvania Mortgage Kev. YN! r The Escrow Proofs are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender die fall payment of all such sunLS, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account -ball be credited. with any balance remaining for all installments for items (a), (b), and (c). . 3. Application of Payments. All payments under Paragraphs I and 2 shall be applied by Lender as follows. First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; Second to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; Third to interest due trader the Note; ourth, to amortization of the principal of the Note; and ftth, to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or gu.bsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. j In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly_ All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instniment, first to any delinquent amounts applied in the order in Paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend. or postpone the due date of the mout ly payments which are referred to in Paragraph 2, of change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of .foreclosure of this Security Instrument or other trdmfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preservation, btaintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal t residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale j or transfer of the Property) and &ball continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances, Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default, bender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan I: evidenced by the Note, including, but. not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasebold, Borrower shall comply with the provisions of tie lease. I.f Borrower acquires fee title to the Property, the leasehold and fee title shall not be F, merged unless Lender agrees to the merger in writing. Page 3 of $ F RA, Pennsylvania Mortgage Rev. 9107 & Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of �. condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such j proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any . delinquent amounts applied in the order provided in Paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in Paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument. shall be- paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or municipal charges, flues and impositions that are not included in Paragraph 2. Borrower shall a t3aese obli a - ions on time directly to the entity which is owed the payment. If failure to a would pay g Y h p' )' pay adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by Paragraph 2, or fails to perform any other covenants and agreements contained in this Security Inctnunent, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then bender may do and pay whatever is necessary to protect the value of the Property and. Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in Paragraph 2. Any amounts disbursed by Lender under this Paragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amount.- shall bear interest from the date of disbursement at the Note rate, and at the option of Lender shall be immediately due and payable. 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 mauncr acceptable to Lender, (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien, or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lander determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower. shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8. Fees. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default, Lender may, except as limited by regulatiuns issued by the Secretary in the case of t payment defaults, require immediate payment in full of all sums secured by this Security Instrument If- (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the nexi monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this Security instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section 341(d) of the Gant -St Germain Depository Institutions Act of 1982, 12 U.S.C. 1701] -3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, G: is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property, but his or her credit has not been approved in accordance with the requi.retnenbi of the Secrctary. t: 'age 4 of K FlLk Pennsylvania Mortgage Kev. YIUI i ;i (e) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events, (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not ( i permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 1.0. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure casts and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: (i) .Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure j on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11, Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising arty right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of Paragraph 9(b). Borrower's covenants and agreements -ball be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Insnvment only to mortgage, grant and convey that Borrower'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 may agree to ex.tertd, [modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering It or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed. to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall. be deemed to have been given to Borrower or Lender when given as provided in this paragraph. Page 3 of 8 FlIA Pennsylvania Mortgage 14. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. 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 k Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copp. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16, Hazardous Substances, Borrower shall not cause ar permit the presence, use, disposal, storage, or I release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any 1azardous +. Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this Paragraph 16, "Hazardous Substances" arc those substances defined m toxic or hazardous substances by (Environmental Law and the following substances: gasoline, kerosene, other flaniniable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fornialdebyde, and radioactive materials. As used in this Paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON- ifNIFORM COVENANTS. Borrower and Lander further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Ixuder all the rents and revenues of the Property. Borrower authorizes Lender Or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lnder and Borrower. This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower; (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each. tenant of the Property shall s; pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant- Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this Paragraph 17. Lender shall not be required to enter upon, take- control of or maintain the Property before or after giving notice of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not'cure, or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full_ 18. Foreclosure Procedure. If Lender requires immediate payment in full under Paragraph 9, Ixoder may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Paragraph 18, including, but not limited to, attorneys' fees and costs of title evidence. i Page 6 of 8 F11A Pannsylrania Mortgage -1. W V 0 l f_ t; E' If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires F immediate payment in hilt wider Paragrapb 9, the Secretary may invoke the noniudicial power of sale provided I` in the Single Family Mortgage Foreclosure Act of 1994 ( "Act ") (121I.S.C. 3751 et seq.) by requesting a i. foreclosure commissioner designated under the Act to commence foreclosure and to will the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a bender under this Paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become Vold. After such occurrence, Lender shall discharge and satisfyr this Security, Instrument without charge to Borrower. Borrower shall pay any recordation costs. Z.Q. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. . 21. Reinstatement Period. Borrower's time to reinstate provided in Paragraph 10 shall extend to one i.. hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 22. 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. 23. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is P entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under f the Note. . i 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded 4' together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)) I Condominium Rider I Growing Equity Rider i Planned Unit Development Rider ( Graduated Payment Rider I Other(s) (specify) � I v z is F raga 7 of 8 FKA Pennsylvania Mortgage Rev. 9/07 it I i� i BY S IGNING BEI Ow, Borrower accepts and agrees to the terms and. covenants contained in this Security Instrument and in any riders) executed by Borrower and recorded with it. a (Seal) (Seal) MERI E. H AUNSTEIN - Borrower - Bortowu F: -Borrower - Borrower Witnessles: i I' COMMONWEALTH OF PENNSYLYAMA, �,,ti}Q,� �, [ c ounty ss: On this, the day of 20 before tne, the undersigned officer, personally appeared M11M E. HAUNSTEIN known to me (or satisfactorily proven) to be the person whose name subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. In witness hereof, I hereunto set my hand and official seal. i IN WITNESS WHERF set my hand and official seal. _ NOTARIAL SEAL My Commission. P.xpires: DAARELL C DETHLEFS Notary Public / f CAMP HILL BORD, CUMBERLAND COUNTY � � �+ ] ► J ` r C i, mv My Commisslon Expires Aug 5, 2012 T o�Off Otficor L ;: CERTIRCATE OF RESIDENCE I, � f � do hereby certify that the correct address of the within -named lender is 50I CORPORATE CF.N 172E D , SMITE 400, FRANKLIN, TENN&S,SEE 37(167, witness my band this 15TH day of JUNE, 2009. Agent de . r Page 8 of 9 FII,1 Pennsylvania Murtgage ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY I COURTROUSE SQUARE CARLISLE, PA 17013 = 717- 240 -6370 - :i Instrument Number - 200921203 Recorded On 6/23/2009 At 8:36:03 AM *Total Pages - 10 * Instrument Type - MORTGAGE Invoice Number - 46606 User ID - RAK * Mortgagor - HAUNSTEIN, MERI E * Mortgagee - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC I' * Customer - DETkIL'EFS [ * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $10.00 JUST RECORDING FEES - $21.50 ��� DETACH RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. �. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVE'S FEE $3.00 TOTAL PAID $5$ .50 i' I' i I Certify this to be recorded in Cumberland County PA j i J v` y RECORDER O D EDS YT30 , " - Information denoted by an asterisk may change during the verification process and may not be reflected on this page.,: 0001<12 1II4�Illi {I�Illl�ll111tlIII� Exhibit "D" Recording requested by: � BANK OF AMERICA N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP When recorded mail to; BANK OF AMERICA, N.A. DOCUMENT PROCESSING MAIL CODE TX2- 979 -01-19 ` 4500 AMON CARTER BLVD FORT WORTH, TX 76155 Attn: ASSIGNMENT UNIT CORPORATION ASSIGNMENT OF MORTGAGE Doc. ID# Commitment# For value, received, the undersigned, BANK OF AMERICA N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, 1800 TAPO CANYON ROAD, SIMI VALLEY, CA 93063, hereby grants, assigns and transfers to: NATIONSTAR MORTGAGE LLC T - MUM L LLC SVI LLE, TX 75067 All M i nteresE und er th cert ain or gage to 15 Inst 9, executed y: MERI E HAVNSTEIN, Mortgagor as per MORTGAGE recorded as rument No. 200921203 on 6/23109 in Book Page of official records in the County Recorder's Office of CUMBERLAND County, PENNSYLVANIA. Tax Parcel w 02 -21 -0318 -059., CARLISLE BORO /CARLISLE AREA S.D. Original Mortgage $96,172.00 120 E PENN STREET CARLISLE PA 17013 Together with the Note or Notes therein described or referred to, the money due and to become due thereon with interest, and all rights accrued or to ! accrue under said Mortgage, °i hereby certify that the precise address of the 9 within named assignee as 350 HIGHLAND DR LEWISVILLE TX 75067 " 9 X i' i f CORPORATION ASSIGNMENT OF MORTGAGE Doc. ID# Recording requested by: Dated: c s 2Q1z BANK OF AMERICA N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS ti SERVICING, LP "Y EENJAMM PECK, ASSISTANT CE =IDENT State of California County of Ventura On ��i��9'� 2 before me, TAKAYUKI E UTO , Notary Public, personally appeared BENJART PE , who proved to me on t e asis of satisfactory evidence to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his /her their authorized capacity(ies), and that by his /her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.. Witness my hand and official seal. Signature : K--�—/� TAKAYUKI f. UTO TAKAXUKI 'B UTO/ Comntission # 1842260 -+: Notary Public • Calllornla z Prepared by: THANIA ORNELAS Los Angeles County 1800 TAPO CANYON. ROAD M Comm. Ex Ires Mar 21, 2013 SIMI VALLEY, CA 93063 Phone #: (213) 345 -0979 ' 3 i• i? I� i �:i ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY I COURTHOUSE SQUARE _ � CARLISLE, PA 17013 717 - 240 -6370 Instrument Number - 201300574 Recorded On 1/712013 At 12:59:17 PM * Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE 1 Invoice Number - 126230 User ID - SW * Mortgagor - HAUNSTEIN, MERI E f * Mortgagee - NATIONSTAR MORTGAGE LLC * Customer - BANK OF AMERICA * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS /ACCESS TO $23.50 I.. is JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS This page is now part j P ARCEL CERTIFICATION $ 1 0.00 FEES of this legal document. COUNTY ARCHIVES PTE $2. ROD ARCHIVES ME $3.00 �. TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA � (', is =: I� F RECORDER Q D DS * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 002UYK III I II III IIIll�il it �I li 1 �� Recording R B g � y ©42FM8 Bank of America Prepared By: Danilo Cuenca 888 -03 -9411 450 E. Boundary St. Chapin, SC 29036 j. When recorded mail to: CoreLogic 450 E. Boundary St. Attn: Release Dept. I Chapin, SC 29036 Doc1D# Tax ID: 02 -21- 0318 -059 Property Address: 120 E Pena St i Carlisle, PA 17013 -2434 Property Location: Borough of CARLISLE PAO,Aj.4 15761266 I0161101.1 M spree for Reoordcer vse T MFRS Phone *: 888 - 679 -6377 ASSIGNMENT GE MORTGAGE For Value Received, the undersigned holder of a Mortgage (herein "Assignor ") whose address is 3300 S.W. 34th Avenue, Suite 101 Ocala, FL 34474 does hereby grant, sell, assign, transfer and convey unto BANK OF AMERICA, N.A., SUCCESSOR BY MERCER TO BAC IIOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME .LOANS SERVICING, LP whose address is 4517TH ST.SW 0-133, WASHINGTON DC 20410 all beneficial interest under that certain Mortgage described below together with the note(s) and obligations therein described'and the money due and to .become due thereon with interest and all rights accrued or to accrue under said Mortgage. Original Lender: FRANKLIN AMERICAN MORTGAGE COMPANY Mortgagor(s): M.ERI E. HAUNSTEIN, A SINGLE WOMAN Date of Mortgage. 6/1.512009 Original loan Amount: $96,172.00 Recorded in Cumberland County,PA on: 6123/2009, book N /A, page NIA and instrument number 200921203 i.. This Mortgage has not been assigned unless otherwise stated below; IN WITNESS WHEREOF, the undersigned has caused this Assignment of Mortgage to be executed on MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. I' By_..__._._..__._..._ Barbara NarM Assist -%Mtary i> t State of California County of Ventura On C4• - 4- . Nil before me, g�} 46_, G.'A 1 % r � 1 +y4 Notary Public, personally appeared _ 4 ✓�t4rL, l��re� V who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he /she/they executed the same in his/her /their authorized capacity (ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WIT'N'ESS my hand and official seal. 3EE�`� commission # 1939621 r Notary Public - camornia > z tL,�• l os Angeles CruntY Notary Public: (Seal)] " M M' . MY Comtn. Expires Jun 4.2e15 My Commissio4thattflhe I hereby certify dress of the wi named assignee is; 45'1 7TH ST.S, WASHINGTO C 20410 i Signature . i I i Doc!D# j ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717 - 240 -6370 - Instrument Number - 201129155 Recorded On 10/21/2011 At 11:44 :51 AM *Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 95370 User M - ES * Mortgagor - HAUNSTEIN, MERI E * Mortgagee - BAND OF .AMERICA N A * Customer - COREI,OGIC � FEES STATE WRIT TAX $0 .50 Certification Page STATE aCS /ACCESS TO $23.50 JUSTICE DO NOT DETACH. RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 ' TOTAL PAID $50.50 i I Certify this to be recorded in Cumberland County PA a RECORDER O D D5 t'tao • - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 002FM8 81 f6 {11If1 ➢I��l llliili �� Exhibit "E" l: A(-L. THAT CERTAIN lot of ground and tt)e improvements thereon situate in the First Ward of I' the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described a$ follows: F ON the North by Penn Street; on the East by property now or formerly of Charles E. Slosser; on the South by an Alley; and on the West by property now or formerly of W. H. Lantell; containing 14 i/2 fee; in front on Said Penn Street and extending at an even width a distance of i 16 feat, more or less, to said alley, is BEING improved with a dwelling house known as No, 120 East Penn Street, Carlisle, Pennsylvania 17013.` BEING the same property which KEITH E. JONES, single man, and MIGHELE R. WILEY, is single woman, granted and conveyed to SHANE M. MASCHO, single man, grantor hereln, by deed dated June 17. 2005 and recorded June 22, 2005 in the Cumberland County Recorder at Deeds Office in Deed Book 268, Page 2444. i SUBJECT Io any and all agreements, exceptions, reservatlons, or conditions entered into by I prior owners of record, f 4: I, 1 is k: I Exhibit "F" Na'.ionsttar Liogage, LLC PRESORT PO Box 9095 First -Class MW Temecula, CA 92589 -9095. t1.S. Postage and Fees Paid WSO ?1 96 90106 9296 7621 3748 Send Payments `a: Nxionstar viorgage RETURN RECEIPT REQUESTED 150 Highland Chive LwMsWle, TX 75057 -4177 20130611-160 urIIII I�If;Illi l ire #. .111 1 MERI E HAUNSTEIN 120 E PENN ST CARLISLE, PA 17013-2434 M PA_NOI Sent Via Certified Mail 7196 9006 9296 7621 374& 0611112013 ACT 91 NOTICE TAKE ACTION TO SAVE YO 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 NER'S EMERGENCY MORTGAGE AS= S :IST,ANCE PROGRAM HFMEAI' may be able to heIg save your home. This Notice explains how the pr2gram works To see if HE tI AP can Delp, you must MEET WITH A CONSUMER CREDIT CCII �`NSELING AGF CY VV ITIIYN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice vt you when you meet with the Counseling Agency. The name address and 2hone number of Consumer. Credit Counseling Agencies serving our Coon ly are listed at the end of the Notice. If you have any que.stions, you may call the Pena, lvania Housing Finance Agency toll -free at I -800 -342 -2397. Persons with impaired aired hearing can call. (71.7) 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 NOTUICAC16N EN ADJUNTO ES DE WMA I1NIPORTANCLA, PLIES AfECLA SU DERECHO A CONTINUAR VINUNI D0 EN SIJ CASA. ST NO COMPRENDE EL C ONTENTDO OF, STA NaTWiC'ACi.(JN OBTENGA UNA TRADUCCIUN 1'_=3 NIEDIATAMENTE LLAMA DO ESTA AGENCIA (PEitiNS� LVANYA FIOUSLNG FINANCE AGENCY) SIN CARGOS AL 'N`U.NIERO - NIENCIONADO ARRYBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAM LLAMADO "HONLEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAlI " EL CURL Pt EDE SALVAR SU CASA DE LA PERDIDA DEL DEREC HO A RGDEWR SU IIIPOTECA. r PA NO Pad 2crf? 7116 1006 9296 7621 3748 110NILOAINT,R"S NAINIE(S): MEW E HAUNI STEIN PROPERTY ADDRESS: 120 E PENN STREET CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER; FRANKW; AMERICANIMORTGAGE COMPANY CURRENT LEN NationstarMortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU 11 BE 1,L FOR FINANCIAL A.S91STANCE WRL S E.) QU CH N, X LL HOME FROM FORECLOSURE ANN} 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 YOURNMORTGAGE PAVIVIENTS, AND 0 IF YOU MEET OTHER ELIGIBILITY REQ13IRFINVIENITS ESTABLISHED BY THE PENNSYI.VANIA HO(JStNG RNANCE AGENCY. TEI'VIPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of fiocclosure on your mortgage for thirty (30) days Rom the date of this Notice (plums three (3) for mailing). During that. time you must arrange and r0wd a "face -to-face" nietting with. one of the consumer credit counseling agencies listed at the end of this Notice. THIS V%E1TXG MUST' OCCUR VVYI'MN (33) DAYS OF THE DATE 01' THIS NOTICE. Ili YOU DO N'Q'J'APPLY I" EMERGEWY MORTG AGE ASSISTANCE, YOU N4lJ- YOtJR NIORTGAGE 1JT TO DATE. THE PART OF THIS NOTI(M. CALLF13 "NOW TO CURE YOUR MORTGA(iE DEFAULT" EXPLAINS HOW TO BRING YOURNIORWACIE UP TO DATE., CONSUMER CREDIT COUNSELING AGENCIE'S - 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 fiv thirty (30) Hare after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies fa the county in which the property is located are set forth at the end of this Notice. 11 is only nemssary to schedule one face -to- face, meeting. AdNise your lender immediately of your intentions. APPLICATtON FOR MORTGAGEASStSTANCF - Your mortgage is in defatiftfor the reasons set. fbrth later in this Notice (see following page ft)t specific inf.brmation about the nahirc of your defilult). You Dave the right to apply for financial assistance fivm the fiomeo%mer's Emergency Mortgage Assistance Program. To do so, you must fill out, sign, and file a completed Homeov%mej Emergency Assi- Program Application �critb one of the designate d consumer credit counseling agencies listed at, the end of this',N"otice. 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 M. UST be forwarded to P1HFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. 1-c YOU SHOULD FILE A )TEJ111PA-PPL1G4TfON d SOON AS POSSIBLE 1FYOU .HA VEAJVEET1'vGW'tTff A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATIOAT WITH PHFA WITHEV 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTLVG A FORECLOSURE AGAPVST YOUR PROPERT1 AS EXPLARVEDABOM EkTHE SECTION CALLED "TLVPOR,4RFST4FOFF0R.ECLOSVRE PA N01 Pajc3 of? 71% 4EM6 9296 7621 3746 YOU HAP ' THE RIGHT TO FILE A HE414P APPLICATION EYE-V BEYOND THESE T12PfE PERIODS A LATE APPLICATION' h`ILL IVOT PREMQV:T THE LENDER FROM START'VVG A FORECLOSURE ACT +C)i►, .BUT IF YOUR APPLICATION IS EYENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE RILL BE STOPPED; AGENCY ACTTDIN - Av'ail'able 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 rbet the time requirements set forth above. You will be notified directly by the Pennsylv Housing Finance Agency of its decision on your application. NOTEt IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITIOI IN] BANKRUPTCY, THE FOLLOWING PART` OF THIS NOTICE IS FOR INFORIt`I54TION 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 DOUR MORTGAGE DEFAULT (Bring it up to date.) NATURE OF THE DEFAULT - The debt held by the above tender on your property located at: 120 E PEN IN STREET CARLISLE, PA 17013 IS SERIOUSLY W DI F_AL'L `I' because: YOU HAVE NOT MADE MONTHLY x11I.ORTC:a•AGE PAY1lENTS for the following months and the 141lowing amounts are now past due: Next Payment Due Date: 0V0112011 Total .Monthly Payments Due: $21,993.93 I..ate Charges: $96.1 S Other Charges: I ncollected'NTSF Tees: $0.00 Other Fees: S0.00 Corporate :Advance. Balance: $1,990.68 C napplied Balance: 5�, �0 00) TOTAL AMOUNT PAST DUE- $24.060.77 HOW TO CURE THE DEFAULT - You may cure the default within ` 11IRTY (30) DAY'S of the date of this notice BY P,AYNG. THE TOTAL ANrOU SI1' PAST LICIT: 1 - 0 THE LENDEF, W1I1CH fS S24,060.77 PLUS AXY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PER. OD. Payments must be .made either bA cash, cashier's cliceR certified check or money order made palsble and sent to, Nationstar Mortgage, L LC:. 350 Highland Drives LeVvisv TX 75067-4177 1F YOU DO NOT CURE THE DEFAULX - If you do not. cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the morto-ai!e 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 mortgoaed property if THE JNIORTGAGE 1S FORECLOSED U - 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 Pages oft 7116 1006 5296 7621 3748 Icstal proceedings against you, you trill 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 Volk, you %ill have to pay all reasonable attorney's fees actually incurred by the tender even if they exceed $50-00. Any attorney's fees 'will be added to the amount you. owe the tender, which may also include other reasonable costs. - ff you cure the default within the TMRTI (30) DAY period, You will not be repaired to pav attorney's fees, OTHER LENDER REMEDIES - The lender tray 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 cared the default within the THIRTY (30) 'DAY period and foreclosure proceedings have began, vou still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs We, You may do so by payme the total amount then Vast due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other cost- connected with the Sheriffs sale as slIgziiied in wridpg by the lender and b Rerformin n other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. Anotice 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 %rill increase the long you wait. You may find out at any time exactly what the required pkment or action will be by contacting the leader. ROW TO CON THE LENDER- Name of Lender: Nationstar Xfortgage, LLC Address: 350 .Highland Drive Lewisville, TX 750674177 Phone Number: 1-888-480-2432 Fax Number: 1.-972-31.5-6827 Contact Person: Kendel Patton E-Mail Address: customer.service( nationstarmail.cout EFFECT OF SHERIFFS SALE - You should realize that a Sftcriff-s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the properq after the Sherit'rs Sale, a lawsuit to remove you and your furnishings and other belongings could be carted by the tender at any time, �m . AS-SU . PTION OF MORTGAGE -. You X may or . ...... may not (CHE CK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt provided that all the outstanding payment charge d 0 es attorney's fees and costs are paid prior to or at the sale and that other requirements of the .mortgage are satisfied YOU MAVAI-S0 HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAW I1 01 T PAY OFF ITTE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER INTSTITL ION TO PAY Of F` THIS DEBT. • T K A LT CURED 13Y ANY T14LRD PAR ACTI NG ONT YOUR BF-14ALF. 0 AVE T HIS DEFAL TY TO HAVE T1113 INIORTGAGE RESTORED TO THE SAME POSITION AS TI? 1` DEF.WLT HAD OCCURRED, 11' YOU CURE- THE DEFAULT. (HOWEVER, YOUT DO NOT ]HANTE THIS RIG14T TO CURE FOUR DEFAbl-T MORE THAN THREE (3) T11\-4ES 17 ANY CALENDAR YEAR.) PA N(A Paic 5 of7 7196 10a6 9296 7621 3748 r • TO ASSERT THE NONEXISTENCE OF A DEFAULT IxN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAW SUIT INSTITUTED UNDER TM MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY 14AVE TO SUCH ACTION BY THE LENDER. • TO SEED PROTECTION UNDER THE .FEDERAL BANIKRUPTCY LAW. C()NSLIN IER CREDIT COC NSELTl�G AGENCIES SEIL1Ti G YOUR +CC}I NTY CAN BE LOCATED ON TItIE ATTACHED LIST In accordance vMh the Fair Debt Collection practices Act, Title 1 - 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 (301) da }'s 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 verificatiota thereof, othervrise the debt will be assumed to be valid. Sincerely Kendel .Patton Foreclosure Prevention Specialist Nationstar Mortgage, LLC I -8 7 7- 783 -7491 ext. 4594856 3501 .Highland Drive Lewisville, TN 750167 -417? FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LL C IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFO 1ATIO I OBTA ED Ntk BE LIED FOR TIIAT PURPOSE. TO TITE ENTENI' YOL.R O'BLIGATION 1I.&S BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMr1TIC STAY IN A. BANKRUPTCY PROCEEDING, THIS - NOTICE- I5 FOR INFORNLATI.ONAL PURPOSES O'NLY AND .DOES NOT CONSTI.TL"IE A DEI NAND FOR PAYMENT OR AN ATTEN[PT TO COLLECT AN ENDEBTEDN- ESS AS FOUR PERSONAL OBLIGATION. IT YOU ARL REPRESENTED BY AN ATTORNTE , PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, - , kDDRIISS AN`D TELEPHONE NUMBER. P� lC1T Page 6 of r 7196 9006 9296 7621 3748 HEMAP Consumer Credit Counseling Agencies CUMBERLAND Chunky R&pw last Wd3ted:05117 /201301:52 P'Vf Advantage Credit Counseling Serxice/C:CCS of Western PA Cotu minity Action Commission of Capital Region 2000 L inglestown Road 1514 Derry Street larrisburg, PA 17102 Harrisburg, PA 17104 888 - 511 - 2 717 -232 -9757 Housing Alliance of York!Y Ilonsing Resoarces 1Ularanatba 29t3 Vest Market Street 43 Philadelphia .Avenue York, PA 17401 Waynesboro, PA 17268 71.7 -855 -2752 717 -762 -3285 PathStone Corporation PathStone Corporation 1625 North Front. St 450 Cleveland Ave Harrisburg, PA 17102 C.hambersburg, PA 1.7201 711-2M-6616 M -254 -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- 730 -3940 800 -3=12 -2397 .K 4t Page? of7 7196 9€706 929b 7621 37?€.6 Na:inns;ar VW.gage, LLC PRESORT PO Box 9095 First -Oars Mail Temecula, CA 92589 -9095 U.S. Postage and Fees Paid WSO 7196 9006 9296 7621 3731 Send Payments aa: 1daJansiar .lfx:gage RETURN RECEIPT REQUESTED 3'50 Highland Drive Lewisvills TX 750674177 za�saal3= sa ll! "lllllll III'1 1 � i l 1 ' i' 1I.11111 I' l l I'I I1.11 1 MERI E NAUNSTEIN 1212 PEEFER R© MECHA ICSBURG, PA 17{}55 -9734 a PA_1101 Sent Via Certified Mail 7196 9006 9296 7681 3731 06/11/2013 ACT 91 NOTICE ACTION TO SAVE YOUR BIOME FROM FORECLOSURE This is an official notice that the mortme 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 EMERGENWY MORTGAGE ASSISTAN CE PROGRAM (HEM AP) may be able to help save y2 home. This Notice explains how the PrWram works. To see if I-TEMAP can help, you must MEET WITTI A CONSUMER CREDIT COUNSELING AGENiCYVNrtTHIN 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 Anencies serving your County are listed at the end of the Notice. If you have any quess-tions, you nia call the PcTin,w,1vania Housing Finance Agencv toll-free at 1-800-342-2397. (Persons with im2airc-d hearing can. call. (717) 780-1869). have on - a questio This Notice contains important legal information. If N e n� v esti ns, 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 NO11FICAC16N EN ADJUN ES DIE SQ IMPORTANCLA, PUES MEcr--1 su I)EREC110, A CONTINIUAR VIVIENIDO EN Stj CASA. ST NO COMPRENDE EL CONTENTDO DE ESTA NOTIFICACION OBTENGA U TRADUCC16N fNN-TEDIATAMENTE LLAMANDO ESTA AGENCIA, (PENNSYLVANIA FJOUST.N FINANCE AGEN`Y) SIN' CARGOS j - -N 1 U-NfER0 -NIIENCIONADO ARRIBA. PUIEDE SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRANIA LLAMADO;'HOMEOWNF-R'S EMERGENCY MORTGAGE, ASSISTANCE PROGRAW EL CUAI. PUEDIE SALVAR SU CASA DE LA PERDIDA DEL DEMECHO A RII-E-DIN111k SU IfIPOTIECA. PA Pag-, 2 of 7196 9006 9296 7621 3731 ItONIEOA'NER'S NANIE(S): MERI E >EI.A INSTEIN PROPERTY ADDRESS: IZft E PENN STREET CARLISLE, PA 17€113 LOAN ACCT. NO.: ORIGINAL LENDER: FRAITKLLN AMERICAN MORTGAGE COMPANY CURRENT LENDERISER'6ICER: Nationstar Mortgage, LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOB; MAY BL ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAIN SAYE YOUR HOME FROM FORECLOSURE A` - D HELP YOU MAKE FUTURE MORTGAGE PA"IENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOWO NI ER'S VVIERG.EN.CY MORTGAGE ASSISTANCE ACT OF 1983 (THE 'tACI -), YOU 1V14Y BE ELIGIBLE FOR EYIERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT IIAS BEY CAUSED BY CIRCU- MSTANCES BEYOND YOUR CONTROL, • IF YOU HAY'.E A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELK. BILITY RFQUIRE14I.ENT;S ESTABLISHED BY THE PENNSYLVANIA 'HOUSING FINANCE AGENCY. TE'LI:PORARY STAY OF FORECLOSURE - 'Under the. Act, y ou are entitled to a temporary stay of forcclosure on your mortgage for thirty (30) clays fi the slate of this Notice (plus three (3) bays for mailing), :During that, time yox.a must arrange and attend a "face -to- .face' meeting with one of the consumer credit counseling agencies listed at the end of this Notice. T'IIIS y1EE`ITYG MUIST OCCUR wriuIN TTI'IWIN -THREE 33 DAYS Of TIIE DATE OV THIS NOTICE. II= YOU DO "OT APPLY I °OR :EMT tGT NCY MORTGAGE ASSISI -A' CE, Y0U .N4L °I' l3ILfN`G YOUR :R4(.)RTt.`s:1.GF UP TO DATE. THE PART OF THIS NOTICE C.AT.LYD * NO'4t;' TO CURIE YOUR li ORTC.'rA€.iE DFFz1I.1T: T" EXPLAINS .HOW TO BRING YOUR . MORTGAGE UP TO DATE. CONSU !IF <R CREDIT COUNSELING AGENCIES - If you meet %N ith one of tine consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (<t)) clays att<.t the date of this meeting. The names, addresses. and telephone numbers of designated consumer credit counseling agencies for the county in which the nrotaerty is located are sea fords at the end of this Notice. it is only necessary to schedule one face-to-facemecting. Advise your lender immediately o£your intentions. APPIACATI€)N FOR MORTGAGE ASStSTANCF - Your mortgage is in default for the reasons set; forth latter in this Notice (see follo%ing pages fi:)r specific inf.brniation about the nature ofytxnr default). You have the right to apply for £anancial.assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign anti file a completed 'Homes Nkmew's Frnerg ,ncy Assistan.ct Program Application with sine 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 lv1t ST be forwarded to PHFA and received within thirty (30) days of your fare -ta -face meeting with the counseling agency. YOU SHOULD FIT<F. A HFV,/IP APPLICATION AS SOON AS POSSIBLE IF YOU HA YE A MF.E:TING WITH .4 C0UNSELJ -VG AGENCY WITHE?Y 33 DAYS OF THE POSTAIARICDATE OF THIS NOTICE AND FILL" AN APPLICATIVIV WITH PHFA WITHIN all DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTIAW A FORECLOSURE AGA(YST YOUR PROPERTY, AS EXPL4INL-D AROM IN' TTIT SECTION CALLED "TLWORARY STAY OF FORE CLOSURE." Psi. N01 Page3 of7 7116 5006 1296 7621 3731 YOU HAVE THE RIGHT TO FILE HEAlAP APPLICATION EVEV BEYOND THESE TMIE PERIODS. A LATE APPLICATION RILL -VOT PREVENT THE LLINDER FRO41 STARTING FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EYENTUALLY APPROVED AT AAT TIME BEFORE A StIERIFFS SALE, THE FORECLOSURE 07LL BE STOPPED. AGENCY ACTIO - -N- 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 skill 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 T11E FILING OF A PE j1 ` N1 BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONI 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 DEFALLT (Brim t it up to date.) NATURE OF THE DEFAULT - The -\40RTG-XGE debt held by the above tender on your property located at. 120 E PENN STREET CARLISLE, PA 17013 IS SERIOUSLY W DEFAUL'I'because: YOUT KWE NNOT .NUDE MONITHLY MiORTGA(.3E PAYN-IENITTS fix the following months and the following amounts are now past due: Next Payment Due Date: 0410112011 Tout] NMontbly Payments Due: $21,993.93 Late Charges: $86.16 Other Charp z es: Uncollected NSF Fees. $0.00 Other Fees: $0.00 Corporate Advance Balance: $1 Unapplied Balance: (Som) TOTAL AINIOUNIT PAST DUE: 524,060.77 ...... . . . ...... . ... . ............. . . ...... . . . . . .......................... . . . . ............ . ............................... . . ........... . ........... . .......... . ........................... . . ...... . . ........ . ............ . . ........... . ............ . . . ............................. . .......... . .............. . ......... . . .......................... . . ....... . . . ............ . .. . ... . .... . ............ . ...... tfOWTO CURIE THE DEFAULT - You may curee the default within'll-Wl'Y (30) DAYS of the- date of this notice BY PAYING TKE TOTAL -AN-MOUNT PAST DUE TO THE LENDER, WHICII IS $24,060,77 PLUS ANY" MORTGAGE PAYNMENTS AND LATE CHARGES WHICH BECOMIE DUE DURING THE THIRTY (30) DAY PFRJOD. Payments must be made either bv cash, cashier's check, certified check. or money order made payable and sent to: NationstarNtortgage, 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 ria-Itts to accelerate the morto-atye debt. This means that the entire outstanding balance of this debt %if] be considered. due immediately and you may lose the chance to pay the mortgage in monthly installmcnt.s. 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 propern IF THE - IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage n e debt, If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins PA NOT P4.4 4f? 7196 9006 1296 7621 3731 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 tender, wtich may also include other reasonable cost". If you cure the default, Nyrithin the THIRTY (30) DAY period, you will not he required to part 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 cared 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 anti time M to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due,, plus any late or other charges then due, reasonable attorney's fees and costs connected -.%ith the foreclosure sale, and any other costs connected wth the Sheriff's Sale asspeci fied in writing by the lender and by performing an other requiternents 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 SHERIFFS 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 Notiee. 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 defitalt till in crease the longer you wait. You may find out at any time exactly what, the required payment or action will be by contacting the lerider. HOW TO CONTACT THE LENDER: Name of Lender: Nationstar Mortgage, LLC Address: 350 Highland Drive LewisAlle, 'IX 750674177 Phone Number: 1-888480-2432 Fax Number: 1-97241.5-6827 Contact Person: Kendel Patton F.. -Hail Address: customer.service(gcnationxtarmaii.com EFFECT OF SHFRIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your tip WNt t re httooccupyit. If you continue to live in the property after the Sheriffs Sale, a la ii mo ve you and. your furnishings and other belongings could be started by the lender at any time. ASSUM N PTIO OF MORTGAGE - You X may or may not (CHECK ONE) sell or tran4cr your home to a — J buyer or trans&-rce who will assume the mor gag -bt, provided that all. the outstanding payment es, and charges, I c dL C� attorney's fees and costs are, paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU NIAV ALSO HAVE THE RIGHT: 4 TO SEL THE PROPERTY TO 013TALN A4 ONLY TO PAY OrT TIIE -MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LEINDING INSTIT UTION TO PAY OFF THIS DEBT. 0 TO ROVE THIS DEFAULT CURED BY ANY THMD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO T11E SAME POSITIONT AS IF NO DErA'CJLT ILAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE TRAIN THREE (1) Tr1\4ES IN ANY CALENDAR YEAR.) P.A N01 Page of 7 7196 W96 9296 7621 3731 • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANTY FORECLOSURE PROCEED OR ANY OTHER LANNISUIT INSTITUTED UNDER `THE -MORTGAGE DOCUTMENITS. • TO ASSERT ANY OTHER.DEFENSE YOU BELIEVE YOU NIAYHAVE TO SUCH ACTION BY THE LEN • TO SEEK PROTECTION LINDER THE FEDERAL BANKRUPTCY LAW. CONSMER CREDIT COU AGENCIES SERN"fNG YOUR COUNTY CAN HE LOCATED ON THE ATTACKED LIST In accordance %rith 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 daNs period we will provide you with written verification thereof otherwise the debt will be assumed to be valid. Sincerely, Kendel Patton Foreclosure Prevention Specialist Natiqnstar Mortgage, LLC 1-877-783-7491 exL 4594856 150 Highland Drive Lewisville, TX 75067-4177 FEDERAL LAW REQUIRES US TO ADVISE YOU THAT N MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS fS AN ATTEMPT TO COLLECT A 'DEBT. ANY INFORMATION OBTAINED MAY BE'USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION M4,S BEEN DISCHARGED OR IS SUBJECT TO THE AUTOTMATIC STAY IN A B. PROCEEDING, THIS NOTICE IS FOR IN PURPOSES ONLY AND DOES NOT CONSTITU A DEMAND FOR PAYMENT OR AN ATTEN—fPT TO COLLECT AN I1N'DEI3TEDNtSS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BYAN PLEASE PROVIDE US WITH THE ATTORNEY'S NAMEADDRESS AND TELEPHONE NUMBER. PA N* Page 6 of 7 7196 1006 5296 75,21 3731 HEMAP Consumer _Credit Counseling Agencies CUMBERLAND County $epw last updated: 051171201341:52 PM Advantzg Credit Counseling SerAcPJCCCS of Western PA Conununity Action Commission of Capital Region 20001.:inglestown Road 1514 Derry Street 1larrisbtirg. PA 17102 1lardsburg, PA 1.7104 SS8- 511 -2227 717 -2 32 -97.57 Housing, Alliance or°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. Charnbersburg, PA 17201 717 -234 -6616 717 - 264 -5913 PA Interfaith Community Program Inc PHF:A 40 E High Street 211 North Front Sim-.( Gettysburg, PA 17325 Harrisburg. PA 17110 717 -334 -1518 717 - 7303940 800-342-2 -i c Page 7of7 7196 9006 9296 7621 3731 1664 THE COURTS FORM 1 Nationstar Mortgage LLC IN THE COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY, Lewisville, TX 75067, PENNSYLVANIA Plaintiff, r-1 Vs. - CI � cxs L cn c- X 1'1 i n Meri E. Haunstein �a -�-,- 985 Hauck Road CD Mechanicburg, PA 17055, v Defendant NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must 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. es ect y su ed: Date Robe W. William , squire Milstead & Associates, LLC 1 E. Stow Road Marlton, NJ 08053 856- 482 -1400 856- 482 -9190 (f) THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER "PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default Is the loan in Bankruptcy? Yes ❑ No ❑ 9.24049 S 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 Mortga ge Food 2° Mort a e 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 Money 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 nNo❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 9.24049 2 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 Uwe am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation (hardship letter) ✓ Listing agreement (if property is currently on the market) 9.24049 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson _, Sheriff ti;s„tr et Cumber, Jody S Smith `” 4 3: n Chief Deputy eau 2014 u i �` Richard W Stewart rUMBERLAND G !1:'` 3''t Solicitor . ._; PENNSYLVANIA Nationstar Mortgage LLC vs. Case Number Meri E Haunstein 2014-680 SHERIFF'S RETURN OF SERVICE 02/10/2014 10:30 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Meri E Haunstein, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 120 East Penn Street, Carlisle Borough, Carlisle, PA 17013. Residence is vacant. 02/24/2014 10:53 AM- Deputy Shawn Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Meri E Haunstein at 1212 Peffer Rd, Monroe Township, Mechanicsburg, PA 17055. -4"1- GUTSHALL, DEPUTY SHERIFF COST: $57.38 SO ANSWERS, February 25, 2014 RONNY R ANDERSON, SHERIFF a y6u err;-i c; ::... MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 9.24049 L,'..1:II—C (•ICE THE PROTHONOTARY 1 AN 10: CUMBERLAND C0U T`s` PENNSYLVANIA Attorney for Plaintiff Nationstar Mortgage, LLC 350 Highland Drive Lewisville, TX 75067, Plaintiff, Vs. Meri E. Haunstein 1212 Peffer Road Mechanicburg, PA 17055, Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-680 Civil PRAECIPE FOR JUDGMENT, IN REM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Meri E. Haunstein, Defendant, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff s damages as follows: As set forth in Complaint $116,717.78 Interest 9/20/13 through 07/11/14 3,786.21 Escrow Advance 2,201.40 Corporate Advance 628.66 TOTAL $123,334.05 I hereby certify that (1) the addresses of the Plaintiff and Defendant is as shown above and (2) that notice has been given in accordance with Rule 237.1. copy attached. Ro ert W. Williams, Esquire Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATE,' 'H( DATE: V/4// I MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff Our file number: 9.24049 Nationstar Mortgage, LLC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, No.: 14-680 Civil Vs. Meri E. Haunstein, Defendant TO: Meri E. Haunstein 1212 Peffer Road, Mechanicburg, PA 17055 DATE OF NOTICE: April 28, 2014 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer, this office may be able to provide you with information about agencies that may offer legal services to eligible persons at a reduced fee or no fee. Page 1 of 3 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILSTEAD & ASSOCIATES, LLC By: Robert W. Williams, Esquire ID No. 315501 Attorney for Plaintiff Page 2 of 3 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Meri E. Haunstein 1212 Peffer Road Mechanicburg, PA 17055 Nationstar Mortgage, LLC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, No.: 14-680 Civil Vs. Meri E. Haunstein, , Defendant NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding indi ed b Prothonotary MORTGAGE FORECLOSURE JUDGMII` BY DEFAUL IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 9.24049 Attorney for Plaintiff Nationstar Mortgage, LLC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, Vs. Meri E. Haunstein, Defendant No.: 14-680 Civil VERIFICATION OF NON-MILITARY SERVICE Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the above -captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendant is not in the Military or Naval Service of the United States or its Allies, and/or does not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Meri E. Haunstein, is over 18 years of age, . Robert . Williams, Esquire Department of Defense Manpower Data Center • Resutts as of : Jul -11-2014 07:46:14 AM SCRA 3.0 Status Report Pursuant to Scrvicemen6ers Civil Relief Act. Last Name: HAUNSTEIN First Name: MERI Middle Name: Active Duty Status As Of: Jul -11-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA _ " No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duly Within 367 Danys of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects Where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA -:- L- - No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Y�. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File No. 9.24049 Nationstar Mortgage, LLC Plaintiff, Vs. Meri E. Haunstein Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-680 Civil CIVIL ACTION MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendant, Meri E. Haunstein on February 24, 2014 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit "A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of l8Pa.C.S. § 4904 relating to unsworn falsification to authorities. Robert W. Williams, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAndersoni _ j -r Sheriff _ PRO H CH/ 3 i t�. �� 1 Jody S Smith Chief Deputy Richard W Stewart Solicitor OF; OF NE Si,ISRiF; 2514 FEB 28 PM J= 3P, CUMBERLAND COUNT? PENNSYLVANIA Nationstar Mortgage LLC vs. Meri E Haunstein Case Number 2014-680 SHERIFF'S RETURN OF SERVICE 02/10/2014 10:30 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Meri E Haunstein, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 120 East Penn Street, Carlisle Borough, Carlisle, PA 17013. Residence is vacant. 02/24/2014 10:53 AM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Meri E Haunstein at 1212 Peffer Rd, Monroe Township, Mechanicsburg, PA 17055 GUTSHALL, DEPUTY SHERIFF COST: $57.38 SO ANSWERS, February 25, 2014 c; Co ntySulto Sherri, Toleoscn Inc. RONNY R ANDERSON, SHERIFF MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff 9.24049 Nationstar Mortgage, LLC, Plaintiff, Vs. Meri E. Haunstein, Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-680 Civil Praecipe to Vacate Judgment and Discontinue and End Action TO THE PROTHONOTARY: Kindly vacate the Default Judgment filed on July 14, 2014 in the amount of $123,334.05 and discontinue and end the above captioned Mortgage Foreclosure action without Prejudice. D & ASSOCIATES, LLC Robert W. Williams, Esquire Attorney ID No. 315501 010-4.q.snpa� c_# /313otir)