HomeMy WebLinkAbout05-1204
.
SHAPIRO & KREISMAN, LLC
BY: DAVID FEIN, ESQ., JOSEPH REJENT, ESQ.,
AND ILANA ZION, ESQ.
ATTORNEY !.D. NOS. 82628, 59621 & 87137
2520 RENAISSANCE BLVD., SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 05-23621
Mortgage Electronic Registration Systems,
Inc. as nominee for Nexstar Financial
Corporation
P.O. Box 1169
Milwaukee, WI 53201
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: or; - /;),61 Cw'~l ~82-~
VS.
Steven R. Nelson
99 Saint Johns Road
Camp Hill, PA 17011
DEFENDANT
COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET
FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER
THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY
OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO
THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE
MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER
CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR
OTHER RIGHTS IMPORT ANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IFYOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU
WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS
AT A REDUCED FEE OR NO FEE.
Cumberland County Lawyer Referral Service
Telephone: 717-249-3166
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUlERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRlTA 0 EN PERSONA 0 POR ABOGADO Y ARCHIV AR EN LA CORTE EN
FORMA ESCRlTA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN
CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFIENDE, LA
CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN
PREVIO A VISO 0 NOTIFICACION Y POR CUALQUlER QUEJA 0 ALIVIO QUE ES
PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS
PROPIEDADES 0 OTROS DERECHOS IMPORT ANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TlENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION
SE ENCUENTRA ESCRlT A ABAJO PARA A VERlGUAR DONDE SE PUEDE
CONSEGUlR ASISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Telephone: 717-249-3166
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
SHAPIRO & KREISMAN, LLC
BY: DAVID FEIN, ESQ., JOSEPH REJENT, ESQ.,
AND ILANA ZION, ESQ.
ATTORNEY !.D. NOS. 82628, 59621 & 87137
2520 RENAISSANCE BLVD., SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 05-23621
Mortgage Electronic Registration Systems,
Inc. as nominee for Nexstar Financial
Corporation
P.O. Box 1169
Milwaukee, WI 53201
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: D5 - /2.CH {}; u J,., ~8LYYl..
VS.
Steven R. Nelson
99 Saint Johns Road
Camp Hill, PA 17011
DEFENDANT
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, Mortgage Electronic Registration Systems, Inc. as nominee for Nexstar
Financial Corporation, the address of which is, P.O. Box 1169, Milwaukee, WI 53201, brings
this action of mortgage foreclosure upon the following cause of action:
I.
Parties to Mortgage:
Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for
Nexstar Financial Corporation
Mortgagor(s): Steven R. Nelson
(b)
Date of Mortgage: July 3, 2003
(c)
Place and Date of Record of Mortgage:
Recorder of Deeds
Cumberland County
Mortgage Book 1822 Page 4459
Date: July 15, 2003
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy ofthe Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assignments: None.
2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal
successor in interest to the original Mortgagee, or is the present holder of the mortgage by
virtue of the above-described Assignment(s).
3. Each Mortgagor named in paragraph I executed a note as evidence ofthe debt secured by
the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as
Exhibit "B."
4. The real property which is subject to the Mortgage is generally known as 99 Saint Johns
Road, Camp Hill, PA 17011 and is more specifically described as attached as part of
Exhibit "A":
5. The name and mailing address of each Defendant is:
Steven R. Nelson, 99 Saint Johns Road, Camp Hill, PA 17011
6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
7. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, are due as of October 1,
2004 and have not been paid, and upon failure to make such payments when due, the
whole ofthe principal, together with charges specifically itemized below are immediately
due and payable.
8. The following amounts are due as of February 28,2005:
Principal of Mortgage debt due and unpaid $86,672.05
Interest currently due and owing at 5.75% per annum
calculated from September 1,2004 at $13.65 each day $2,470.65
Late Charge of$25.61 per month assessed on the 16th of each
month from October 16, 2004 to February 16, 2005, (5 Months) $128.05
Escrow Balance (Credit to Defendant) ($163.75)
Accrued Late Charges $25.81
Property Inspection $8.90
Title Search!Report Fees $250.00
Attorneys' Fees and Costs $1,500.00
TOTAL $90,891.71
9. Interest accrues at a per diem rate of 13.65 each day after February 28, 2005 that the debt
remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other
expenses, costs and charges collectible under the Note and Mortgage.
10. The attorneys' fees set forth above are in conformity with the Mortgage documents and
Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs
sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be
charged based on work actually performed.
11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S.
gI680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or
the mortgaged property address by first-class mail and certified mail. Pursuant to the act of
December 21,1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information
required by the act of March 14, 1978 (P.L. 11, No.6), 41 P.S. Section 403 et seq., and
separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached
hereto as Exhibit "e".
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together
with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note
and Mortgage and for the foreclosure and sale ofthe mortgaged premises.
SHAPIRO & KREISMAN, LLC
Date: ~- 1 - b ::;
Ilana Zion, Esquire i
Attorney for Plainti
BY:
S & K File No. 05-23621
32-24-'35 13:52 FROM-
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. C3 JUL 15 fin 11 37
AfteE' RIIccrcU,llg .-tV.IiQ !l'o J
_'"-'II 1'1"","CtN. COIU'OM!I'1011
P.O. BOX '890
EPKOID, OK 73D83-S8~O
T~tlb Ord.r .0.1 89856520
Isp.CIIA__""Un.'orR~ Oda]
MORTGAGE
T-010 P12/28 U-08,
MIN 1000511001 296651
DEFINITIONS
Word. uoed in mu/Up," ....uon. 0/ tillS documont ar. delined below 81>d 011101' wordo
S""Uon. 3,1', 13,18,20 and 21. Certain rules regarding tile us"9"o/wotd. used in
Ire iJlso provided jn Soctian 18. .
tA) "Securtty In.tnun.nt~ moan. thbi dOQJmel\t. whIch Is dated .roLl' 3 w 2003,
togoth.r witIl all Rid... tel \hI. document
(B)IIBorrower"fs S~ R'JmLSOJI, "I.~.
Borrower is the mortgll;or under this Security Instrument.
(el "MER$"s "'or1g.9' 8_nlo Roeisll1lUOn Systems, lno. MEIlS is . .eparato
eetii'lg SQ"~ly as a nom!neo for Lender and Lunder'$ $UCCeSSOrs and assigns. MEf:tS"
UIl~r thla 5acurlly "'elrumon!. MERS III orgeniztd and OlOsting under the ,.... at 0
an addre.. and lelephon. numb.. of P.O. Box 202.. l'lin~ MI48S01-2026. leI. (58S)
(0) "Le"der'" is aX-MAR .F'XQ.!lCDJ;" QORPOIlAIf'lC*.
defined in
is document
!h.lis
IIIon0ll9"
are, end nu
MERS.
PEtfNSVLYANIA-Slng18 Fon'!Ry.-f"annlt .....IF,... MUl UNIFORM INSTRUMfNT Fonn -.0 1
~'SJ9>>.~OnJIn&~Jru:. Pag.lof16 PdttDD PA!OEDL 0:"
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EXHIBIT I'A I I
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Lender It . DlIIAlIUB C:OUoIIM'IOII
low. 01 OZ1J\llA...
622 ~OII ~, ST. LOutS, NO '31<1.
organized and axis g under the
Lende s address Is
(E) "Nolo" 10",,"" Ill. prcmissolY nolS signod by Bom>wer and dated JIlL' a, 2.
Th. Note states that Borrower aNeS Lender ."'*BIGBft SEVE. 'IUOUSdD .tn
.0/100.w......................".......................,.,.............. OQQIlnI (U.S. $.
ptu$. intate:St. Bonower has promised to pay this debt in rogular p.,;od1e Payments and
In 1\1" nat later than AOGUln 1, 2033.
(F) "Pr0p9rty" means tho property that 1& d~ribed beSQwundeflhe heading ''Tranlifer
I'roper1y. .
(G) "Loon" meaf1$ the debt evidenced by "the Notej plus in_rut. a"y prepayment ch
ehatges due under the Note, and all sums due under \hit SHLUlty Instrumslll, plus in
CH) j'Rldora" means aU Riders to this Socurlty 'Mtn.lment t:hatfJe executed by Bortow
Rid.r. are to be execUlSd by 8om>_ (chook bOX .. Ipplleabl.l:
DAdJu.table Rale Rider DCOI\domlnlum Alder Dsecon
o Balloon Rider CJ Planned Unit D_loprnont Rider DOIh.r(
01-4 family Rld.r D Biweekly Payment RId.r
OIWl AlIll>
,.... .. )
pay the debt
Righ'" In the
ges and late
est
e f.Bowlng
Hom8 Rider
[.~lIyl
I
(I) "Appllcabl. \.aw" rn.ln. ell eontrolli"ll applicable fed....., ...t. and Iooal k regulations,
ordlnanceeand adrnlnJ.tratiw rules and grders (thathaV91hu etfeGtonaw) aswall as all pplic:ablellnal,
non.sppeei<<ble jUdicial opinion.. ~
(J) "Community Auodatlon Du.., Fee., .ncl A...nmenta" maahs all dues, alilse$sments
and other chargO$ that are imposed on Borrower or the Property by a condomlT\i B$sociaUon,
homeownera usoclatiOn ar similar organ~tlon,
(1<) "eI_1c Fund.TlMaf...rn....n. onytrMlfllroffUndo,01I1Or1han a1lansaclloo orIg tedby cl1eok,
did, or .imilar papor lns1TUrnOllt, which I$lnlllated Ihrough on '-onie tsrrnlnal, teioptl 'cln"'umon~
comptJl:er. or rnagoelic tape so a8 to orderl ir\.ttruct. or autharizs a financ:ial Institudon tQ tt or c:t9dit an
.ccount Such term Includes, but fo not Iimlitld to, porn-ol-saJe ltan$""", """'"' Wiler machln.
tronsaotions. transle'" Initiated by t.phono, wire 1ranSf<rs, and a\ltomalQd cIoarlngh... tran...""
(L) "bcrow ItGma" me,ns thoat ltemI1htlt am descnbed in Section 3.
(M) "MlecetlaneDua ProotIed.- means any compensaticln, MtUement, award of d
ceeds paid by any third PllI1Y {ather 1han insurance procoeda. paid under the cove
Section 5) for. (I) darnlll'lO, 0' destruction of. tho Propo<ly: (1I) condomnd"" 0' .th
any part 01 the Property: f.ii) conveyance in leu of condemnatiDn: Of (tv) mlsrep
omission_ as to, the value and/Qr condition of 1he Property.
(N) .'MorlOfi.eln'Llranco" m~s i05urance protecting 19nder against the nonpl.ym ntot. or default
on, the Loan.
(0) "P..locllc Plymont" rnoans!he regularly scheduled amount duelor 0) principal InlSrosl.odor
tho NolO, pi... 01) Iny arn""nIB under Seotlon 3 of this Socurily InBlnlmont. I
(P) "RESP." moano the Roel Estete SlI\lIemonl Procsdu... AoI(t2 U.S.C. t2601 I seq.) and Its
impl.",.nling rogula~on. RegulatJon X (24 C.f.R. Part 3500), .. thoy mighl be amen ed 1fom ~m. to
PENHSYI,.VAHlA-8fnQI& AunHy-F.nnle .....",..., Mill; UNIFORM tN8THUME-NT t=onn3G3$J 1
C lQQg-a:J02 Ollllne Ooewttvants,lnc. Page 2 0118
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time. or any additional or 8Ueo...or legislation or regulation that gcwm. the t:Vn, aubje
u.ed in this Securtty Instrument. 'RESPA' rof.... '" all rvquiremenl9 ""d ,..1J1o~0".that
In rogord to 0 "faderally relalod mongag.Ioan' even 1Il!1e Loan dOllS not quollf\l U a "fed
mortSllge loan" under RESPA.
(Q) ...u....... In InIGre" 01 BorrDw.r' means any party1l1athas taken title to 1I1e Prop , whether
or not lhet party has assumed Borrower's obUgAtiona under the Not. and/or this Security hstrument.
matter. As
imposed
Ilyrelatod
TAAN$FER 01' RIGHTS IN THE PROPERTY
11101 Security Inetumont.""ur.. '" ~nder. (I) 1/10 "'Payment DIllie LOan. end .11 ren_,
modillCllt1on. of the Note; oncl f.lth. perfo_ DlllOnClwG(s o,,,.anants and agreemen
SeCtlrlty InotNmonl end the Nota. Fot1liS P"rposa, 6orrower does neteby mo!1ga~, grant
MERS (solely .. noml... for I..oncler and lBnder's suoooss... end ...igns) and to the s
assigns 01 MERS th.-Int doKlibed propOIIy IocaIecI in tho
(Type aI' Rl;IC.CItdlng JurladlQfotlj of cou.:rr tNameofFtecotlf J\Uba~l:
ClIMBERLUD
6U LEGA1,. DES(!R.tPfl:OJI Aft.P.aIID BEftB'.rO UD MADE A PAJt2' !rIiEREOV
AP .. 13-23-0&&3-007
whiCh currently has the address of 99 Babt 3obD8 RO~, cap B111,
[$OM<) [cly!
PGnn,ylvanla
17011
~OOl:lQl
("Property Add,..s,:
TOGETHER WITH .11. tllo impro....ments now or heroattar 0",0100 on tho
easaments. *P~urten.1"lceI1 snd1ixtures now or herealtera partatthe property. All rep
additions sh.n also b. .o\'t'od by thi. Soeurlly [nstrumont AI 01 1110 foregoing is -
seourtty tnstrnment os th& "Properly,' Sorrowor UI1dorstonds and lI9r_ that MERS
litleto 111. in"'ro.ts g"",tsd by Bonower in1l110 S...,rllY In_mom. b"" ~ nOOOSSSJy to
or custom, M5RS (as nominee for Lander and L,tnd.... 'UC08NOI'I and &HiS"')
exerci$s any or all at those inWT'9Sb, Including. bl.lt not limited to. the right to 10f80
PIOperty; end to take any IdIon roqulredolLondormoiucling. but not limited to. "'1o..ln8
this 5ecurtty Instrument
rty, and all
en1Gnts encl
to in this
sonly leget
plywlth law
1110 right '"
""d oeO thO
deilr1CQUng
BORROWER COVENANTS that Bom>ww Is Iowlully soised of the estate hereby con
the right to mortgage, grant and 4;lOnvey the Property and that the Property Is unencum
forencumbran~ dl".cord. Borrower warrants and will dehmd generaflythe titletotho
all claims- and demands, subject to any ancumbrances of rocord.
PENNSYLV.ANIA-stnglt FatNtt-f'AnIM ....lFredd.. INc UNlFO'tM IHS1llUMan Porm iI03t 1[0'\
C 1999-2CI02 Online DQCUmIl~ In;. P'P 3 or 18
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TIiIS SECURITY. INSTRUMENT combklea unlIonn .ovenents lot" netk>n~1 u.o and on-untiorm
covenent> Wilh Iimil8Cl varietlon. ~y J"rildlctlolllo _atlMe a unlfom1seeunlylnsltllmenl ""rln9 real
property.
UNIFORM COVENANTll. Bot_ and ~ncIor _.nontand asr..... Iollowa:
1.. Payment Df Principal, In..,.ot, Eocra..I_, Prepayment ct\Org... and
eorrower.hall pay when due tho principal of. encllntereoton.lhedebteYldenood ~yth.
prepayment charges and late cha'll" due under tile Note. BolTower .haD aloo paylll
<<eN p"rsUtlfttto SC!ct1orJ 3. Payments due underthe Note end this Seourlty Instrument
In. U.S. currency. However. if any cneck or othor In8trument receh'ed by lander Sti p
tho Not. OJ tIIla SeC1.lrily In.trumentl. ..turned lol.end.r unpaid, Lend... may require
.ub.equent paymont> due under \h. NOlo."d thlt Security 100trum.nl be made In one
fonowlng form., aa .aledocl by L.encl.r: (a) _h; ('0) money orde,: (cl eenified
__k. !rHsurtr'. .hock or .I.hlo,', .hock, provldo<llny ouch .hook'" d".., upon
who.. depe.its are In.urod by. federal ago.oy. Ina""m.ntaflly, Of entity: or Cd) fl.
Transfer.
Payments are deemed t$ceWOd bv Let1der whtl'l roc.lvfd .t the IOQatlon decignat In the Not.
or at EUQh othClr location at may b4I dMignamd by lender in accordance with d'le nat e prOvisions
in Section 15. L..ndor may r.Mn any payment or partial p.ym.nt n the paym.nt 0' p, . I paym.nt<
aru IneUffici'lMt to bring tho loan current. LElnCfer m.y acoepr any parm t or partial
payment insufficient to bring the loan cLlrren~ wlthClutwaiver 01 any tights h.reun"er prejudice to
jts rigtlts to r~e tuett P'}lmDr'lt or parrIaJ payments in thCttutl.lrG, but Lender is not obli ated to apply
such payment$. at th& time tluch paymontS ate act;Qpted. If e~II:" Periodic Payment 15 plied as mils
schedullid due date, mon lender need not pay interest ol'lllnapplied funds, Lender ay hold such
unapplied funds until So"ower makAs paymentto bring the Loan current. If Borrower not do so
within a reasonable period of time, Lender shall either apply Iluch funds or r rn them to
Borrower. )f not appJled BSriiGr, such funds win be applied to the outstandIng prinoipal afanc:e under
the Note Immediataly priar tQ 1oreclosure. No offset or Qlalm which Borrower might hJl now or in the
future .~Biost Lender shall t9f1&V, BorrcwGt from making paymenu ClU, under . Noll _nd
thfs Security Instl\lmGnt or performing tM goY8I'l'_nts al'ld agT"ments neurad tht& s.curity
Intltrument.
2. ApplleaUon 01 P.y~.nla or P_a. Except.. 011I....... d_lbo<l in th So.tion 2. all
poym.nto .....ptocI..d .ppl,o<I by ~naot.hoII be appfied In l!\GtoIfowing orr:/erof p : (., inte/8St
dl"le undQr the Not&~ (b) principal dUG unCfer!he Note: (c) amounts dUG under Sbction 3. uch payments
shall be applied to each ~tiodic Pa)'171B1)IJn tho order inWhich ttbecame due. Any rem ning amount5
.halll::le applied firct to late charges, sGCOIld to any o\tKIr arnount!i due under1hls S 'Instrument.
and than to reduce the prineipal ball!Inte of the NottI.
If Lender roccM'/O~ a payment from Borrawer for tI deUnquem Periodic Payment
sufficient amOl.lnt to pay any late ChargG due, tile pa)'1Tlent may be applied to the de
,nd the late charge, 11 more1han one Periodic paymont is OLltstalldlng. Lender may.p
reo_from _or to the repayment of tho Periodic payman,. W, and to tho
peyment""" be paid In 1uU. To Ihelllllent tl1at any e_.. _Is aft.r tlIe poyment'"
payment of one or more Periodic Payrncmts, such 8XCftJ may be appitd to any
VollJntary prepayments shall be appUed flf1t tCI any preplyment Ohllf!Jes and then at
NQta,
. Charge..
otl_nd any
10r Escrow
all be ",.de
ment C,fttd6r
at any or all
more of the
heck, bank
n i"atttuUon
onl. Fund.
PENJ$YI.VANlA-singkJl P'lI.mJly..$.Mta ~ Mac UNlPO",.,INlTAUMENt Fmn. 3tDli11
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eharges due.
escribBd in the
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Arrv appllclltion .f paymenls. Insurance proceeds. .r MloctIIaneous ProCeeds to rlncip., duo
under chl! Note .hlll not extend or pcsf.pDl1I!! tie due d... or change 'the AmOUn1. the Periodlt:
Payments.
3. Funda l.r Eacrow I~a. eorrllW<l"~al paylO Lend.....n tho day Purledl. Pa
undGrthe Nets. until the Nate ii paid in full, a sum (the "FundS' to praYlde10r paymDnt
for: (a) ~s and a&l.e"mtnta I"d oIher Items which can sUBIn priority over this Seou
as 0 lion or an.umbran... .n l~el'\'operly; (b) I_lei paymonlS .r ground ronl$ on
anYi (o) promiums for any and all in,uran<:e required by Lender Linder Section 5j ana
Insurance premiums, It any. or any liUtn$ peyebla by Borrower to Lender In lieu 01
MortgagR Insurance premium. in llCoordanee with the pl'Ollisions of Section 10. lhesll.
"Est::row Items," At originatlon or III ....y tim. duri"g1he term at the Laen, Lendw rn
Community Association .Oues, F..., Al"'ICI AlIIGssm8f'ltG, If any. be escrowed by Bon'
dues. fees and usessments ShaN b. an Etcrow Itern. t5on"oWl;Jr shall promptly fumis
n~ afamcunts '1:0 be paid und.rthle SeotIon. 8arrower.ho.tl pay Landar1tle Rmdt
unles& lsnderwaiws BOrTOWClr's Obligation to pay the Fund. for any or all Eserow Item
waive Borrower's obligation to pay to Lend.r Funds 10r any or.U Escrow Items at any
wlliv.... moy .nly be in wlitlng, In tho ollOntcl.ueIl w_. eorr........hoJl paydlreclly,
p.yable. the amounls du%rony Escrow ""rn. forwl1I.~ paymontol Fund. tlal\>_ wa
end. rf lender requires, shall furnish to Londar recoipts evidel\Clng IUch Plym.nt wi
periOd as Lender may require. Borrower's obfigBtiort to make ~ch paymentll and to p
shalt for all purposes be deemed to bQ a c~ant8nd agresment(;Ontained in thiS Seou
I' the phrase "covenant and agteem~l~ is used in Section 9. tf Borrower Is obligated
IwmadireCl-t1y, purs1.lantto awatver,llnd Borrowern.lIs to pl1ytheamountduQfDr an E!I
may tx.roile its rights under Section 9 and pay such amount and Borrower shall th
under Sttetlon 8 to riQpay to Lunder any IilJch amount Lender may r9YC1ke the waiver
ac::row Iteme ,t any time by a notice giVen in aecardance with Section, 5 and, upon s
BOl1'OWor sl'iill pay 10 Lond.r.n Fund.. and in suc:h amounts, that are then required un
3.
Lender may, o'anytime, ..n..t end ~.Id .und, In an amount (a) .UfIIcientto ponnd "dort. epply
the .undo attl1etime.pecified under RESPA, and (Ill nollO exeead1he rnllldmum amou telendorcan
require under RESPA, lender ahall Cl$tImGlte the amount cf F~nds due on tho bull 01 ent Clata and
reps-onable estimates 01 expe"dlture~ of 'future Escrow homs or othelW(se in a danoe wtth
Applleablo Law.
The Funds Bhall be held in an instibrtion whose deposits are lnsuted by a
il'strumontallty, or entil;' (including Lender. if Lender is an Institution 'Nhase depo5its a
in any Fadml Home l.oan Bonk, Lender shell ""ply lI1e Funds" pay lI1e Escrow lie
the tlrne $peclfilild under AESPA.lMlder llhaUnd:charge Borrower1or holding and appl
annually ane.fyllna ~. "crow aeeeaunt, or vsrtfylng the Eset'OW' Items, unlen Lender
In_ton 111. Funds and ApplloabieiAwpormIUI LendorlO mllltesuoh o.h"'lle, Unl
is mo<lo In Wrltln~ or Applle.oblo Law 'equl,.. In"'ro.t to b. paid on tho Fundi. Lan
requJrocllO pay Borr....' any In"'rest or ..m'"ilI .n tho Funds. Borrow... and Lend
_ng. ~owowr.lI1atint1lfo.tlhaJlllopald on tI\O Fund.. Lendetshall glvet._,
en annual ....untlng clIne Funds as required by RESPA.
rf there Is a surpllJS of FundS hcrld if' OSCtOW, as defined under RESPA, Lender s all account to
8orroworfortheexCOSSfunds in aceordancewltt'l AESPA. tfttlereis ashortageofFund!l eld InescftlW,
ents are due
mounts due
lostrumont
e Properly, d
d) Mortgage
poymant of
sara caUed
require that
er, and IUc.I'l
to Lender all
crow ltema
Lender may
It, Any such
n and where
by Lender
In SUC~ ijme
vlde rocolpls
Instrument.
pay e..row
Item. Lender
be .bIl9_
to any or all
h revocation,
rll1lsSeotlon
eta! agonC)',
o insUred} or
no later than
9 the Funds.
aye Borrower
,.. .agreement
r shall not be
can agr". In
out .hargo.
PENN$-YL.VANIA-sI"glti Famlty-F.,.,.. M...IFredcIt. Mac UNIFORM lNSTFlUMEflf Fonn 303e 1/01
e 1NHOOa Of'll\f'lt 00el.imants.1flo. Plge 5 of 16
LOAa .. 001'02966&
PAEOel>.
~~
BK 1822PG4463
02-24-'0513:55 FROM-
T-010 P17/28 U-089
.. dofined unde< RE$PA, Lendar .holl notify BaITO_" required by RESPA, and Bon
to Lender the amount necelilsary to make up the Ihortage in 8ecatda~ with RE9PA.
than 1 ~ monthly peymonts. II thoro Is a delicien<:~ of Funds held In escruw. as doflfled
LAndor sholl notJly BalTow..... required by RI!SPA. and Bam>wer shall poy to LerIcI
noceseary to make up the deficiency in Bt:cordance with AESPA, but tn nO mDre th
paymonw, '
Upon paymont in full ololl.ums .....red by this Se.u~'Y I.....um...~ Lend.. .h.U p
10 llo<rower any FUnd. held by Lend.r.
4. Charge., U.no. Barrow.' .hall p.y aII_., ......monl.. oharg.., ftn..,
am1butablo to VI. Propor\Y which can atlllin priority ovar this Security Inotrumont, leal
0' ground '.nt. on tho Property, II any. and Community AasociatIon Du... Fees, and
any. To the extent lhollhosolloms are Etorow ltom.. Borrowvrshall pey Vlom in tho
in S..~on 3,
Barrowor .h.1I promptly d"h.rge any I..., which hos priority .""r this SOC1.Ir!ty 'net
Borrowor. (.) agr_ in _g 10 the po......nl at 1110 Obllgo1lon _ured by 1I1e II
aoceptablolaLendor. butonly so long .. Barrow..1. perfonnlng.uch agreemonl; (b)
fn good faith by, or defends against enforcement of the Uen in, legl1l prot:eedlngs wh
opinion Of3Ore.te to prevent the enforcement atthe lien while 'lt1ose pr0C8edlng'll Bre
until such prOC\lOdings are CDncluded; or (el Seeures 1ram the holder of the lien
sstisfactoiY to LGnder subordlnating the lien to this Security Instr1JmenL If lander de
partoflhe Propertylssubject toa lien which can anatn priority overttlil Security InstnJme
gIve Borrower a notics identifying the lien. Wlttlin 10 days of the diSte OIn which 1hat
Borrower s.huJl satisfy u'e lien or take one orft10re at the action; set1orlt1.move In tho
Lender may requirB Borrower to pay a Dfle-tirne charge fer a real estate laX ve .
reporting SliIMce used by Lender In connection with this loan.
S. Praporly lnauran~, Borrow", shsn keep"e improvements now O)d.ting or no
an the Propor\Ylnsured ogolnsUess byftro, hazard. Included wtthln tn.Ulnn -extondGCI
ony othor hll2.Brds including, blll "Ollimited la. OOIlhquak.. end _s, tor which L der requires
insurance. Th.. Insuranc. .ha. ba m.inlainod in VI. .mounts (Ineluding doductlble 10 sJ and lor the
periclds that Lender requlrft. Whit IAnd.r req\.lirU pursuant to the preceding sentenc s 'can change
during the term of the Loan, Tn, in,uranoe04lrrler proykIlng the insurance shall be chos byBorrower
IUbJe.t 10 Lend"'s right to dicapP<O'" BorrOWOf. chalco, which right shall n be exercised
unr....onably. Londer may requite _or to pay, in connection with this L.oan. ei1l1er a). .nw-time
eharge10r flood zone determination, certif'icat!on and tracking sarvJees: or (b) a on $ tharge for
flood zone detGtminatlon and certificatlon services and $ubsequ~t charges"" time *,ppin9B Qr
similar change. occurwhich .........b1y mighlalrectsuch detennination or c.rtiIIClIalIon, , shall
also be responsible for the payrnent 01 Bny fees impoted by th. Federal Etnergen Management
Agency in connection with the review 01 any flood zene determination fMutting 'from objection by
BDrTOWer.
If Borrower 10ns to maintain eny of the covorages dOSCflbed above. Lender may 0
coverage. allendet'S option and Borrower', ~n!le. Lendsr is under no obligation
partieularlype or aMount of coverago. Th~refoto, suen covorage shall ccver Lender, bu
not protBCtBorrcwer, Borrowor', equity in the Property, or1he con1:en'ts ofthe Property,
hazard or liabIlitY and rniSlhl provide greater or lesser COY8t'8ge thB" wa. prewiQualy in
acknowledges that the coat of the intUl'ance coverBgG sa abtainlKl ml;ht IlgntfieAntty
metrt untas!!:
in B manner
Is the lion
in Lunder's
ing, but only
agreement
Inas thai any
I Lsndermay
ticeis ;....".
eetion 4.
lion and/or
f1ENNSYl.YANA.-8lngle ,~..... U..lFr..w. M.c UNlFORII tNtTRUM!HT FornI:MI3'li 11f11
C'''20020n8nep~.ltIe, Paga6of1e
~ t. 001)02"61
PAEOEOl
~l\
BK 1822PG4464
02-24-'05 13:55 FROM-
T-010 P18/28 U-08,
at Insutanc:e that BoltO'Nl!Ir cOukl have obtamOd. MY amounts dibbursed by Lender und
5 .haJll>eccme addltiona' deb,oISmrowar "."lred by this 6ecuri1y Instrumanl 'Ill...
b..r Inler..1 a' 1he Nota rate from 1he date ot diobursament and $11a1l be payable. wI\I1
upon nctice from lender tel Borl'OW'ar rnquesting payment.
All "'suranc. policies required b1 Leod", and ron_I. oIsuch .poIlales tIIa11 be 10 Le/)de~s
rightlo disapprove such potlcie.. .tlell include ..landard motlg1lga clause. and sh.i1 n e Lender os
morrgogee end/or a. an atlditi_11eu Pll)I", Lend.. s...1I """" lhe righl to ho/d th policies and
renewal ""rt1fI...les. 1\ LeIld'" requires. S_.. shan promp1ly g.... fa Lender all r ;PIS 01 paid
premlurns and renewal naticea, t1 Borrower obtainc cm,,= If''lSurBl'lcs COYB~ge. ot o<<helWls:e
",quired b1 Lender, for dem.g.lo. .r d..cructIon 01, lite , such policy shall mol .. .""'dard
mortgage claUse and .haIl noma Lond.. as mortgagee end/or .. en .ddilionallO$$ p .
In the evenl 0I10$S, 90"._ .hsn gilltl prompl notice to the insurance _ and L nd.r. Lend.r
may make proof otlO$llfnClt maG. promptly b~ Borrower. Unless ~der and Borrowero trwllO agfet3
'" wri~ng, .n1 insur~ procM<la, Wh.ther., nct1he und.riying In.uraJ\C41 was ~ul by Lender,
.h.i1 beapplledle _.lIon .rrsp.~oIrhsPIOpllrlt, 1I!he ""I~ Orrepalrlt ...n. icall1feasible
and Lender'. .ecurtty [e not lessened. Ourln.g such ItlpBir and restoration period, Lande hall have the
right'" hOld .ueh In.uranoe proc_. "n~1 Lender has had an .pp.rtunity Ie Ins pacts h Property fa
&hlurQ~. wolic hp. b.en eomplatad to Lender's satisfaction. providecl1t\al such lnsp lian sl1al/ be
uf'ldertaken prQn'lpUy. Lander may df$tlursB proceeds1crtt'le f'ePairl: I'.ndrutoration In a . gle payment
or in. series of progress payments as the work is complet$d. Unless an agrotmenlls ade in writing
Qr Applieable Law r(!(juns IntOf'estttl be paid on !ILicn In,uranee proceeds. Lehder shall t be required
to pay Borrowat any interest at l!Jamings on $uch prOC4ileds. fMe for p\.Iblic i&ldjustel'8 Qr other third
~rti... r'1"ll'IOd. by Borrow", .h.U not be paid ollt 01 tho ill"'I8I1oe procsects 8I1d 5 I be the 501.
Oblga1lon ar_e,.lflh. ""''''rollon .,..~Irla not aconomicaJlyfeasibl. or lender'. scurilywculd
bt'lB9sened. the Insutance proceeds shall be .pplled tothe turn, secLlred by 1hls Set:.U Instrument
whether or no1:1helt(fue, with lheexeea..1f any, paid to Borrower. Such in$Ural"l~ pr eels shall be
8f,)pUod in the order pr~ded 10r irl Seetion 2.
If Borrower abandons the Property\ L.tI1der ma~ file, neggtjate and settf&any....
claim and related mattel'&. If Bofrower doo, not respond within SO days to an..
the insurance carrIer has offered lo 5Vttt. . claim. then lender may hegotiate 8.nd..
30.clay period will b&gin when the r'lotic.e is given. In either event, or tf Lend,r ac~y
unde' Sootion 22 or ou._.e, eorrowor hsreb1 ...Ign. to Lend.r (a) Il<>rrow.
in$urance proceeds In 81'1.moynt nOf to BXC&9D th~ aMOJJnts unplUd under the Note
Instnlment, and (0) .n1.ln.. of 9orrcw.~s rights (otIlsr than tho ~ght '" any refu
premiums p.id b1ll<>rrowsr) .nderall "'..ranee poNoI.. _ns the Prope...... in..f
are eppr.oabteUt tho cowt'tage o1the Ptoperty.lflnd.r m.y US(! CI'ls inS(l(&nco prtXlee
or r..tore 1tIe Property or tb pay amounts unpaid undgr the Not& or this Security In
or net rhon ch.le. .
e, Occuperll:Y. Borrower shall oeeupy, .tabtish, and use the PropaJ1y as BQrr
....Idon.. within 60 da1s .fter the execu1icn ot this Securi1y Instrumen' .nd .haIl
1/1. Pr.~e!ti os BoITowet's principal rt$ldance fer at lollS/one year after /he delO of
Lender oth.rwI.. OQ.... in writing, Which cons.nt .hsll not lla un.....n.bly wI1II
extenuating Qlrcumstal'lC9a exist Which .r. b&yond Bartawer'u (:0"11'01,
7. P,_IIon, Mslnten......nd ProI..Oon eI tho Properly; In.pacOon..
d..1ro1. d'I!lOQe 0' Impair the Pr.perty. sJlow In. ProP"'Il' 10 delodo_ or com
P!HNS'1lVAMA-SmglD FIITII1y--f~ tMeJFl'Ildc:Iie Ml.c UNFORM '"'"'UMtHr Form ami 1
.,eco.2ClO20nIlneDcl:Ymer1ts.fnc-. Pege70f18
LQAR 't 0013029665
Is: murance
lAnder that
e clairn. The
tn. Proporl\'
rights 10 any
this S.eurilll
of unearned
...ueh rights
It/lorro'ep"r
,nto Whether
PAEOeDl.
<;l..~
BK \ B22PG4465
02-24-'05 13:56 FROM-
T-010 P19/28 U-089
Prop.rly WIlOlhor or. not Boirower Is r..idlng In!hQ PropOllV. 8olTOWor shall maintain Q Properly In
order to pr.wnt the Propflrty1rom deterlofattng or dee'MI~g '" wa.lue due to It!r c:~n'f' n. un..... la
do,ormintd pursuantta Section 5 !hili ",plit or rellonl1lol\ II not eoonomIcaUyf90s,b1o., rohall
prumpUy .....1' 1h. Properly" damaged to avoid tIHlhor d_oraliCn or dllllUlgo. ..suranC* or
cond<lmnallon proooeds are paid In COhn_with dam"llo"'. o'lh.1aking 01, !he Pro rly, Borfower
shall bo "",ponslb'oi", repoklng 0' restonng lh.Properly only Hl.enderhao ",1_Od p slo,such
purpas... Londo, may dOlb""'. proceeds lor the ....airs and ,"1_ In a sin91e rment or in .
seriea otptOQlrell ~yrn."Ui 8$ the work is completed. tfthe insuranoo or Clondemnatio proceeds are
nolsultiOlont to ropalr or reslore 1IlIl Prapolly, _Is not relieved oIllorrowo(. allon tor tho
ecmpletlDn at such r.pair or nntort.tion.
Lender '" its ag,,"t may mN rOllSOMblG _ upan and I~ons 01 the
reasonable cause. Loodlll m.y inapOOtthe O1_r 0I1he Itnprovemonlll on lIle F\'aperty.
80"""0' notice at ths ~me of or prto, 10 tudI an In_ln.peclion 1lJl""1fying .uch ,...
8. Bot,o".,.. Loan Applteallon. Borrow<< ahall be In de'aull H, during the
proeesa, Borrower or any persons or .ntitlea aoUng at fl, direction of Borrower or Borrower's
knowledgQ or consent gS'Ve msterillly fake. rnlileoding. or inaccurate informatkln 0 statemunts tQ
Lender (or 1aIIod to provide Londe, with m.~aI Inform.lien) In __lion with !he an. Material
rQpresentatians include, butarenotlimitGd to. reproaentati01'lS Detlcemlng Borrower's 0 pancy oftM
Property as Borrowor's principal res.idl!lt'leG.
s. ProlaoUon 01 I.8nder'.lnl....1 In Ih. PropQl1y and Rlghlo UnCforlhlo SQcu lnalrVm.nt.
H (a) 60rroworfaUs to porto"" 1he""venarrts and ag"",m.nl$ <ontalnOd in lhl, Socu. n.trumon~ tbl
ttlere 1$ a regal proceeding that might sign1tlcatrtly afftJCt !..entler's 11)10,.* in the Prope and/or rights
under this S_rity Inawm.'" (auoh .. a pr_lng in bankrup1l:y, probate. lor demm,,;on or
forf~nure. fot an10rcement of a lien which may anaJn priority over this Sec:uril) tnatrU or to emcrClQ
- .r regula".n.). or (e) Borro\(Jor has ablU1dono<l tile Pruperly. tIlen LllnCfor may 0 and pay 'or
Wha1ewr i$ reaaonable or appropriate 10 protact lender's interest in the Praperty and hl$ unCferthlt
Stcurity In_men!, irn:lUdln1/ p_g and/or ......ing the valu. oIthe Properly. an ~..."ring and/
Of repairing tho Property. lAndet'$ ac:tian$ can InClude, but arEl not limited to: (a) 9 any sums
""cur.d by allan whIch hat p~orIty ovarlhls Seou~lY Inslnlment; (bJ eppear;ng In eQ\J : and (e) peyinQ
_SOMble _moy.' _ to protoct Its Into""" Tn tile Properly and/or tights u rthis S....rity
Instrur1'lent, i~Clludin91ts secured posItion In. b-'1kruptcy prooelKf~ Securing the inCludes,
bulls no, Umilo<l to, entering thO Properly to male. rOpQJrs, chango' "opt.... Of bo up doors and
wlndo"a, drain water from pip.., .liminabl building or olba, coda V101ationc cr dang. . ooodilion.,
and nave uUfrtiestumed on or off. Although L.oncserrnaytakeactiDn underthls Sectlo I Lenderdoe:s
not ho"" to do sa and is not under any dulY or obllgslJon to do so. n Is ag_lI>al nelo, Inc." no
liability for nat taking any or all amns a~thofi2ed ynder this S&ction 9.
Any amQunts disbursed by Lender under this Section 9 shall become additional
SeQUfod by this Security InstnImenl Thesa amounts shaD bear lnterRt at1f1e Note t
of disbursement and shall be payable. with such interest. upon nbtloe 'from Len
requesting payment .
tf this Security Insttumant is on aleasehoJd, Borrower shall comply with. ell the
,_. ~r .holl not "",end.. thel...ehcld .al8te..,d I"'or_ horeln c:onve
eaneel the ground lease. Borrower sheff not, withOUf 1I1e exp,,", wrftten CQnseht of
,,",ood th. ground to_. n Bo"""" eCCluiro.toe titla to tho Prop.rly, 1Il.louohol~
.han not morgo unl... I.onaar "Il""lO tho marg.r In writing.
tJENNSVLVAN~" ~.nMt ....,..,,..... W.. ""'~"M tNSTfNMENT Fafftl,\IS$ 1
~'--"""'_," 1'.'0/18
LOOa t. 001302""
PAE>EDl
9(~
8ll1822PGl+~6G
~"-"4-'05 13:57 FROM-
T-010 P20/28 U-089
10. M0rtg8ge I_r.nce. U Lender requlrod Mortglge In,uranee II . condition m.ldng Ill.
Loan, Borrowsr shan pay1he premiums mquiredto maintarn the Mort;apln,urance'n If, for any
,euon. the Mortgage Insurance COveRlge required by Lendereuses to be 8v.1iklb,. from . mortgq8
insurer that previously provided such insurance and Borrower was requIred to m .eparately
detlgnattd payments toward the premiums for Mortgage InsUrBnCII, Borrower ShaU pay e premlutnS
requlrecl to obtalt'l coverage substantiall)' oquiValent to th& Mortgage Insuranc9 previou In effect. at
a _t IUbotentielly equilllllent to Ill. .oot to Borrower 01 the M~eln,,"ronce previ sly In e1lect.
fron'! an altern." mortpge insurer sGl$CbKI by Lender. tf substantially equivalent Mortg e InsUlllnce
,0Yllr.g. I. nol .,,"llIbl., Borrower .hIM eontInue to p.y 10 L.nder the amount 01 ..paratGly
desi9nated peym"nla "'at wert dua whon lilt In,u,"neo '<MIrogo .._10 ~ in elf ,~dor wiI
.coopt. u.. alld roUlln"'aH paym.nto II. nOll.refundMllelost ,_nit In lieu 01 Mortg. .Insuron....
Su"" I... ........ .h.1I b. nOMofUndabl.. notoNllh.bIIldlng tIl. fllOttNt the Loan is ulll aIII~ p.i<I in
full, and Land., .han nol... roqull8d to p.y Borrow... any Inte_ or oamlnva on au. oa. ,........
LenderCOn no Iong.rroqulrtlo..ro'.M paymonl' ~Mortgag.ln...ran.._g. Un arnountand
'Drlllo p.riodthat Land., ...quir..) provided by on In.utor ..Iecled by Lalldat agoln beeo .. avallabl..
is obtained. and Londtf requires -.parately designated payments toward 1he premium r Mortgage
Insurance. tfLGnderrequlred Mongago Insurance as I oondhion of making the Loan and orrOW9tWM
required to mako Slp.rarely de3lgtlatod payments toward tha premiums for Mortge. lnsurllnc:&.
BorroY/ershall pay the premiums required to maintain MortgAge In&uranee in effect, arto ovlde a nbn-
refundable Ims l'OS8fVElt until Lend&r's requirement b' MortgagB Insurance ends In B rdance with
any written agreement between Borrower and L.9nder providing 1orsuchtennination or u 'ltenninalion
is required by Applicable l.B.w. Nothing In 'this Section 10 aflect& Borrower's obdgation pay ihterest
at the rate provided In tho Note.
MortgBge Insurance I"Ellntburs. l8nder (or anyenUtylhalpurchases the Note) forcertB
incur tr BotrCl\Yl!lr does net repay the Loan 8Ii agt9Od. Borm/.t9l'is not a party to 'the M
MDrtgsge insurers evaluate their total risk an all such Insurance in force1rom time to
emsr Into agreements with othQf' p8l1l0$ that share or modify 'their risk, or reduce
agreements are on term!i and conditions thatare.ilU8factoryto the mDrtga;einturerand
(or portl") to !h..o O9l"OOm.n... Those .gree",.." ma~ require tho mortgage in
pAyment; using any .OUlCe- offu.nds tt\atthD mortgage Insurer may have available (wt1i
"'lidO obllllnOCl Itom Mortgagolnourance pramiu","),
As Q fHUIt Of theM agroemen~, LMdGr, 1,U'Y ~urd'laget of tho Note, another insurer,
any Dther entity, or any a1fiIiBte of any ofthe1oregoin9, may receive (dlrectty or Indirectly
derive from (or might be characterized as) a portion of Bol'RWlBr'a payments fer Mortg
in BXl;:hange for shartng c;Jr modifying the mortgage insUrer's risk, or reducing 101iS8S, 11$
provides that an affiiate of Lendar takes 8 share 01 the Insurer's r1~k in uchinge 10r
premiums paId to tha.,surer, the alTlilngemant. 1& often totmGd "captive rv'n,u,,,,c.."
(a' Any l!Iuch Igr..mllnte will nat effect th. .mounte th.t Borrow.r h.. _or
MortV.g.I........... or lI/IY _, 'orma of tho La,,". _ O9......onta will no
IImenJn1 Borrower wUl owe fol' Mortgage InlUr,nCM, ancl ....ey Will not 8nt1t1e Be
refund.
(b) My ouch oor..monle will nol_'" ~ghlo 8olTUW8r h... U any. with
Mortgagllnourenc. undorlho Ho_.. Pro_ Aotof11l98 Ot..y ollor
may Include "'. right to t...I\I1I ..rtaln ell..,........ 10 ""111801 and obtain ..no
Mol1Qag.lnautenc_,1o h.n the MortgegelnaurartCO tIIrmlnldOd eutOo",.tlceU".
PlHNlYI..YANl&.w$tftG..~anru M~ ...c:uNlFORM NmtUMeNf ~:so:tt'101
01_,~Onlit'l.~I~ Peg.Bot18
LOAB .' D01302,,'5
PAEDWL
~~
BK 1822PG4467
. .-- .-----_..-._~. ---..-. -.
~2-24-'~5 13:58 FROM-
T-~l~ P21/28 U-~89
o .efUnd of onv MOrtg.9.'.....an"" _lIImotllat w.........mod ot\h<llJmo of.....
O' IQ.mlnotlon.
11. Aoolgnm.nlof MlocaU.noouoPr_; I'orfeUu.a. AM Mlsoo/lalloous prge
...igllGd \0 ana .hIll b, paitllo I...",l...
IIlna Propel1y Is damagod. .uch MiscollanooUs _. >hall be applied'" r..tor
olthe Properly; W1h. reslDratiOl\ Of._iris economlc:allVloesible and l..ond.... .ocutlty Is oU....nod.
During .ueh ,opalr .nd r..tor81ion period. U1naer shall h8ve 1I1e rfghl to hold such 1s..llan,oul
Proceeds unUI Lender hu h.d an opportunity to ins".ct such Property to "nsure the has been
t.Omplotedto l..encS9f's se.lla1:action, p'ov\oG4:11hat$\tGhln~Qn shal\be unQertaken pr pny. Lender
may pay 10r the tClP8irS flr\d rattoretlon in . 'Ingle dltbursement or In it. series of prog payments
as the work Js complel9d. Un.... an agreement It made In writing or AppHcable Law ires rnEm3St
to be paid on such MisoellantolJa Proc-'l lend.ratlall notM r~ulred to pay Borrow r any interest
or earnings on such Misoel!anoous ProovOde. tfthe t.-toratlgn or repair is notoccnoml y1uasible or
U1nde~s securttywould be I....nod. the MlocoIlon_. Pjooeods.hall be opplledlo 1he .......ra<l
hy this Security Insttu,""n~ ....eth.r or nol1l1an du.. witlltll. a_". ff any. paid 10 or. Such
Miscellanaous Proceeds .haII.... applied in 1110 orelar provi~od lor In Seotlon 2.
In\ha """,,lot. tot.ellaklne. deswClion. orlossin veJu.otlh. ProPOl1)', Ill. MiscefiM
shaJl be applied to the sums secureo by this Security lnstl'Llment, whather or not th
exe9SS, H any, paid to Borrower.
In the event 0' a partial taking, destruction, or loss in value of the PrQPQtty in WhiCh
value of 'the Property ImmAdlately before Uta partUtJ taking. destruction. or lcas in val
gf'8ataflhan the amount o1th&sum'li secured: by this SBCUrity lnstrument ImmedIately b
taking, destruction. or lOss in vatu., unless Bcrrawer and Lender atherwlse agree ih W
secured by this Sec:urrty Instrument shaft be reduced by tho amount of the MisceUan
MurtipllGd by the 1oUO'Mng fraetlon: (a) thu total amDunt of the sums secured immedl
partial taking, d.&tn.iclion, or loss in V41l.IB divided by (b) the1alr marketwJuaafChe Pr immecUately
boloro lh4 POltIaI takln\l. d..trucUOn. or loss in....... Any h_ sl\oll b. paid 10 50 r,
In tho ",.nlof. p.r1la1 fAking. destruolJon, 0' ,_ in value of Ill. Property in wIlich e lai' market
volu" oItho Proporty immedlaloly befo<o 111. portio/laking. dnlrUC1Ion. or loss in valuo 1e1.1hon tho
.mount oItho sUmS securod irnmodlataly b.1ero tho part/.flaking. dlSlnlclion. or IO<Is value. unl...
Borrower and Lond.r otII.lWI.. .gr.. in writing. tho MiICoIlon.Ollo Proceed. .i'Io.Il b ppliod 10 Ill.
sums secured by this Security lnltrurnent wt\other or not tM suml e.re. then dl.l..
ffthe Property is obandoned by Be......r. orff. after nonce by I.endorlO Berrowortll
Parly (as defined In tho nold ,..teneal offors to mskaan award to..llIe a claim lor dem
fails to fe9.pQrIdte LcmciDrwhhln 30 claysaftertho dsts tho notlcels glven, Lender isau1h
and apply the MlsceUaneous PrOC&eds eithor la restoration or repair of tho Property
secured by thIs Sitcurity lnstrumel'1t, whgther or net ttJen due. -opposing Party" me
that Owes: BotTOW8I Mi!ce/1an90US"Pmeeeds or the party BgaJnst who", Borrower hA
in regard to Mtscellan~s P'roceeds.
Bot<owor shall be in dofautt n any actiOn or pr_lllI. who"'", eMI or cm.inol.
Lende~s judemen~ could rosutt In forfeiture oIl11e Propo/Iy or Othor molorl.llmpalrm
interest in the Property or rights und"1I1is SKurlly lnotr\lm.nt. Borrowe' can .ure sue
n ",oleration he. occurred. roinstat. os prowla~ In Stetion '9. by _sing lh8 0
to bo dismlS$ed with . ruling thot, in l.end.... Judgm"'t. proel.d.. fOrleIluro of the
material impairmont of l.ende~' In""e.t In the Property or ri9h\1l under 1his SB<:lJrtty I
tIlo Opposing
95. Borrower
.zed to ...Ieot
r to the sums
kd pany
l'ightotaction
.nlhot. in
t of Lend....
a dotou. lIIld,
r proceeding
pert)' or D1her
trument The
PaIINSY1..VAN&6...$111;/c1 F.,.-.My..F.MIe ....If,..~ IIW: UNIFORM INSTRUMENT FQPft'I803t1M
c 1_401)2. 0""". t)covl'fllll"lW, t,,/O:, Pago10 0' 16
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proeeeds of any aW1lrd or olaim lor damageslt1l' art attribu1ableto tho impamont or La .r'. ..\we.t
In tho Property aro h.rolly ...Igned and .hall be paid to Londor.
All MlsoolIanOOU. P_s that are nol appUed to "ltoration or repair of tha P
apprted in the Drder provided fOr in Section 2.
12. Borrower Not R....M<li Forbearance By l.9nd.r Not . Waiver. Extension
p.ymont Of modification of arncrllzaUon of the sum. .eoured by this Socuo11y In&1rum
l".8T1der to Borrower or any SUCCMlot Jrt Intel'G$' o18D1'1'OWer 'hall not opanat8.to re
of Borrower or any SUCC8S.s1)fS in Inter.., of Borrowor. Lender shall not be required
pro09odlng. against any S,,""$Gr Irllntorelt of 80TlllW9T or to ""u.. to ....nd U
or l>thwwtse modify amottl2atlon of U'lQl ,wms ..cured by this Security Instrument
anyd.mand made by the original BorTQWeror anySuOCGlSors irIlnterestaf Sorl'GWor. A
by lend.' in G1:8rdsing an)' rtght or remedy including. without limItation. lander
of ptlymool:t from third pemens, entities or Sueooasor. In Interest at Borrower or in
than the- amount thetl due, shall nat be a wliwr 01 or preolude the exercise
remedy.
13. Joint lnd _... UIlblIIty; C....g"",.: Su__ .nd AooIgna Dounel.
.nants ano .g_ It1l11llorrowo~s obllgaUons and li.bUlly ahaU be joint and several.
6otrW/orwhe> c:o-$Igns this Security Instrument butdoos not exacute tho Note (a "co-s" en; (a) is co-
signing thiS Seourlty Ina1rumont ~Iy to mortgage, grant and convoy tho co-slg"er's nterest in the
Prop.r1y undor tha tenns 01 this 50curity Instlllmen1: (b) is not paraonally obligated ay 1I1e sums
'Secured by 1his SClourlty 'nnument: and (c:) agrees thst Lander and ."y other Borro can agree to
extend, modify, forb.., or make any 8ccarnmodatians with regald 10 tne ,."'"' this Security
Instrument or the Nota without the eMlgnar's consenL
Subject to the provisions of Sec:tlon 18, any SUcee&$Of' in I"OOrest of Borrow.r
6ouower's obltgations under'th's S8Ql.lrity lnatrvmurrtin writing, and is approved by Lon
all ol6orrowe~. rights and bonefitS uhclor thilStcurity Instrument. Borrower shalllot
Borrower's obligations and liabHIty unclerViis Seour1ty InnurnentUl'lless Lenderagrees
In writing. The ccwr\ants and agreements a1' 1:h)S: Security 1.,.1tl.lmet'\t thall bind (QXC9p
S.Qtlon 20) Bnd benQfIt the successors and Duignt Of Lend.r.
'4. Lean Charg... Lendor may charge Ilorrowor I_lor s.lVio.. p."ormed In
Borrow.,'1;!. default, for the purpose of prot~ng Londe"s intort$t1n the Pr~perty ahd
Socurlty I".trum.n~ Inoluoing..bUlnoUimitod to. altomay..!.... propor1y In.pte1Jon an
In regard tQ; any other fees. the ab1ience gf express authoritY in this Seeurtty Inttrum
specjfic foe to Borrow., shan not be constr\led 85 a prohibition on It)f:I charging ofSlJch
not oh.rgo foeolt1al .'" ..pr,,"1y prohlbned by this S.ourity Instrument or by Appllo
11 the Loan fs $lJbject to alawwhlc:h.ets muimum loan chliU9Ds:. and that law is 11
so thatlhe intetMt orotherfoan chargBseoUected cwto becolJected in connection with
tho permitted Umit$. then: {allny .uch Ican ahltgeshall be reducod by II1e amountn
111. chargo to tho pormitted limit; lnd IblllllY aums already ooIlectad ITom Borrower
permitted limits will be refunded to Borro't\'at. lender may choose to make this refund
principal owed undortho Note or by making adnctpaymentto IlcITowor. n. refund TO
1110 reductio" will be treated as a partlBl ptep8ym.rrtwl1/lout ...y prepaymont c/lareo
a prepayment charga is provided for under tha Noto).llorrcwero _tanoo of any.
by dirGct paymClnt to Sortowetwill con&tht.lto a waiYer of an~ right ofactlon Bon'OYIer m
out of such overcharge.
the lime for
t granted by
e the fiability
COrMlonl;e
for payment
y ra.,on of
fortMl.""nce
ac:ceptanoe
mOUn(sleM
any right or
PENNSVLVAHIA-6lnal& F~. M..{fredlIa llaouNal=OfI. JN8TAUMENT Fonn 3Clt81
c 1l7<19.w:t2OMNDcIcumerrt&, l~ Page 11 of 16
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15. NoU.... All nolic.. 'gl",n by _. or Lander in _ with lhit Stell In...ument
must b. in writing. Any notico to BOI1'ow.. In conn_ with thiS Security Instrument eh lb. deemOd
to have b...n given to Bortow..when mailed by fil>tolass moll o.wh.n oet\lally delllle 0 BOfTOWO~'
naticeackirQss if.enlbyothorrnean8. Noijcetc anyone Borrower shaRcon.1itute notice llSotrowers
unless AppUcablo Law .xp..o&ly requires otherwi... Th. noU"" odd..... .holl be lh. Pro .rty Add...s
unless Borrowor has assignat.- . tUbstitute nQ~ address by notice IlO l..ehder. rtNIfjf ahall
promp.y notify !..onder of BOIf_, chongo of add..... w Lender .peelIiM . procecl lor ropOl1ing
Borrowe.'. ch.ngo of odd...s, then Ilor!oWIlI' sIIllll only report . chong. of add rough lIlat
speclfiod pr~r.. Ther. mll'f b. only on. dell\gna18d natlea .dd.... und.. this Seeu In.trument
at .ny on. time. Any n.tice to Lender sh.1I be given by d.lIvorlng if or by mailing if by t ofass m.1I
tOl$nd.~sadd...., ,tatod ho..ln unloSs Leod..h" designetod .nelh.. addnossbyn to SalTow""
MY notico In connoctlon with this S.curityln81NrnantshaUnolb. d......a to ho... b..n g to Londe.
untllaelUoIly receIved byLtndor. If any nolice ,""u!rOd by1l1is Securlry Inslrumentio .Is. ulrod und.r
Appllcolblo ,",w.lI1. Applicable Law lGqulnlm.ntwlU.atisfy tho CQ"..pondlng roquirMl t und.r 1111,
Security In$trUmont.
18. Governing 1.8w: SevarBbllfty, Rute. of Conatructton. Thill S~rity InstrV
9Qv.mad bY f.d",ollaw and thO low of 111. JUrl$dlotlon in whlcll tho Property Is located.
obllsaations contained in thl. Secutfty Instrvment ere subject to any req\,.liremen1s anti
Applie<lblo Low, Applieoblo !.owmight""l'ioitlyQrlmpicitlyaRowlhaP*'IMto .gree.
might bo silent, but suCh sUenct Shad n01 be COfI$trued.s ft prohibition againttilgreeme
In the evtnt that any ptovi$ion orolaUSe of this ~urity In:stlUmentOfthe Not. QCIn1lJets
Law, such oon<<ict shall not a1fad other provision. of tttit Security Instrument or the Note
given effe01. wtthout the "COI1lJ1cting proviston,
As U!lod 1n this Security I"strument: {m} words of tho masculine gender ~tl me
corresponding neuter 1NOrds orwordl ofthe1vrninine gonder; (b) words 11'1 the Singular I
In.lud. the plural an~ vice v....: and (e) 1110 word "maY" gIveS 80/. discretion without
to take Bny aotion..
17. Ba....'w....Copy. Borrowwsh.tlbegl"",on.ccpyofthoNo18endoflhis Seeu .
18. T18n.lor 01 tho Properly.r 0 Bo~ Inlor..t In lIorr_r. M used In th
"1n~ttin the Prcptrty' means any lQ9aJ orbenoficial fnterestin th. Prapeny. inclUding.
to. those bcIneficlal i"temts treMfetted in a bond for deed. contracttordqqd,lnstdmenl
ot..erowograo...nt, ll1eintontolwhich Is thovan,l.rofOOe by BoITO\YOr.t .futur8dat.
W a11.r ony port of tho Property or any In.....t in the Preperty Is Sold or uan,1017eCl (
Is not a natural person anei a benetlcJal il1tere&1In Borrower is ~u:~lct ottrans1tttred, WlthClut
wr1tton con"M, !.endor may roqu~e Immediate paymont In lull of aII.um. securod by
Instrument Howcwer, this optian thall not be exercised by L.nder if such B;lt8(QiDe 18
Applical>1o Law.
11 Lender .)Ce~ises this option, Lendor ,hall give Borf'DWGr notice =1 BCQetoration. Th notice shall
provido . parlod .f not.... than 30 ~ays trom the date tho noUce is given in accorden.. .m SoetfOn
15 within which Borrower R1ust pay .\lsu"", '~reQ by1his Security Inatrl.lment.IfBolTOW rfaill to pay
thes. sum. prior 10 tho .xp~otion of thi> period. Lond.r may InVDl<O any remeelies po by this
Security Irlstrurnent WIthout 1urther rKItioe or demand on Borrower.
'9, Bo,rowot'e l\Ight 10 Ro_ AIIw ~rIldon. ff Borrow.r "0010 ...
Borrower shan ho"" the rlght 10 ha... .nforcemant oftl1l$ Socurity In_monl di.continu
priorto the earfiest of: (a) nve daY$ bebre sBloof'tt'le Property pursuant'to any power ofs
In$tn.lment.
SOClIOn \6,
nOlllmiled
IGs contrAc:t
purchaser,
if Borrower
der's prior
Is Socurity
hibil8d hy
Pe.HNSVLVAJrrfIA....sI,.".. FenlI4'~""M1. ....a/FnIddlI "'.0 uMF'OflM tN$TAUICHT Fcmn'CD8 1J01
l;'~OnhOOC...,.....Inc. J:l'ag.12 Df,e
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\rI '.i$ Socurily Inlllrumonl: tb) ouch otll... poriod as Appli..blo LAw rnIllht op""iiy far
or eOm>wll~O rigllt '" r.ina\mo. or (0) ontry of 0 judgment ontorolng 111m Security Ina
..ndidon. or. thol BolfClWor: (0) P.Y' Landor aK ",m. wIlleh then wculd be duo un
In.""mont and tho Nole sa nno.oo,101Ollon hod ",",u"...; lbl....... anyllefo..aofo
or 119""mente: (e) p.yo .Uol<pOfl...lncu!t9d In en10r0ino "'is BllCUliIy Ins~m""t
limited to, r...onable attorneys' fees, propMty Inopootlon and valuollon 1_, IIIId oIM
forth. purpooe of protecting lender', intIlrottln tho Pr<>p""yond rlahts und.r this Socu
and (d) Ulk.. .uon ..non as !..andel may I$l\SOnobly fOCI"l", 10 ...ur. !hat !..ando~a
Proport)' and rlgnle und.r.Wo Socuritylnafrumont, and Bo<r_'ao\)fi9ation1D pay \he
by \his Seculily In_nt, ahall conlinue unchongea, Lend.r may roqu~o \hot eo"
re{nstatGment,uma and Ppenses in one armore o'the1011oWln,,1OtrrIs. as selected by La
(b) money order. (Q) ceftihd oh.eck. bank check, troasure(. check or cuhier's check, rovided any
$uc:h check is drawn ypon *" Instltution wtloi:edGpot\ts aft Inlutod byatederalagsncy, I
or entity: or (a) EI.etren/o Funda Tran_. Upon ""'a_.nt by __, "'is Beeuri
and oblig:aticm$ t&Cl.Irad horsbyahEllI remain full)' etfoctive a. rrno aOClleratlort had oc:cu
this right to tetnstato sh$ll no' apply in the case at acoeIGratiOn undOf' Section 18.
20. 5.0'0 .f Nete; eMng. 01 Loan B.......... Nolle. 01 GrIe.._, The Note or a
in the Note ~ogether with thl. Socuril\llnslrT.lmentl 0011 be oaId ene or mora timB1l willi prior nolloe
Ie Borrower. A sale m1ghl '....n '" a change in the entity (known .. the 'Loan ~ at collects
Periodic Paymento due undortho Note and Ihis Becurftylnstrument and perforrn.lO\IIer fl\I6ge.1oon
sel\'ieing obligations under \ho Not., Ih'" Socurity Instrument and Appliceble l.tlw. Th. alSo might
be ane or mOre changes of the l.oan SeMeor unreiated to a sale of 1he NoM. tfthore Is . .nfile of the
LQart Servlcer, 6orTowerwfll bagivan wrmen notice of the ehangewhlc:hwWslatathe raame nd address
of the new loa.n Setvicer. the addreu tD whlci1 payments should be made and anyotn formation
RESPArequires in connection with a nab oft/1lrl$fer 01 sQf\tlcing. f1 the Note is sold and reaftQt the.
Lean is ,"","",d by. Lean Servicor ....._!no pu,"h.." 01 \he Note, the mortgage .aMCjng
Obft;aUOl'ls to Borrowerwifl remain with tht:lot.n.StMoet orbotre."~"nad to.Q,uccessor n SeMeet
.nd atw not a$9urned by tha Note put'l;1h..lr Ul\lwl othGM'iee proVided by 1he Note pur aser.
No"*,,*, SQrT0W8r nCII uncler may comMtmce, Jobl, or be JOlnfd to .ny ludictal action C1l1her an
individual IlIigont or \II. member of. _.) Ihat lItiS.. from tile otho< paliy'. actions pu ant to tills
Socurltyln.trurnanlor that aII"9..\hatlhoolherpany nas br...hod any prollfsicn of, or on duly 0W0d
by re...... of. 11118 Security InI1l'U"'ont, untilsuen IIorrower ... ~ ha. no_tho e1ll pa/1y (wI1I1
.u<h "o~"" given In ccmplionoo With tho requi"""onts at Beetion 15) al.uon allogod rueh and
atlordod the alii... pOlty h_ . ......_ poricQ anar th. giving of aueh _ to COl'fOctWO
action. If Applic:e.ble Law provido. .ljm. p.riod Whicn musl.iapse before """,,in aOlicn b. takan,
\hat tima pericQ Will bo deemecf to bQ ro......ble for PIlfP.... of \his paragnoph. "olice of
acceletetioh and opportt.lnrty to cure givan to BartOWar PUn\lIaI'\t 'ta Section 22 end "Qti~e of
atcele<.lion ghlon to Borrower pu.....nt to $octIcn 1 e $hall b. doomed to .Sliafy the Dtice .nd
opportunity Ie lalla 0"""_ action pltlllitlonS ct!hit Seclian 20.
21, H_,doua S.....tan...L ... ...e<lln \his Beellon 21: (aJ ._.... Sub."",
lubatanMl d81in~.. toxic orhazardaus: substancu$, pollutants, orWBStGs by EnVirc>nMen
tht rotlowlne aub,tances: gasoline, kerosene, other 1tammabkl Of toJlCk: petro1ewn p'
peo_ .nd .....'.id... volatile scl\lonla, malllrillls containing aobeolDs or forln
",dic.ot/VQ ",ateri.ls; (b) .Environm.ntal....... means fodorallaWS and laM of tho Jurt$d
the Property I:.; Jocated that f'Qtate to health, safet1 Or environmenb:i.1 prctec:tion: (0) "e
PEHN$Yl,.VANIA,..SlrlgI& FIfl'Ili)'-:fIn"" Mttffrtdlle..1e' UNtFON"'NSTfIUMWft' Fomt. 3GSSl.,,ftl1
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Cleanup" includes any Iltspo;..e action, remedlal action. Of removal actiort. as ddned in
Law: and (d) an "EnV'fronmental Condition" means a condition ttlit can cause, eon
othOfWi.. lIfgger an "nvtronmenllll CI....up.
BorTower shall not Uun Of permit the presence, ua~ c11apo,.t Iwrage. or re
HaZQrdous .Sub5tc1nt:GS, or thralten to release any Ha2ardOIJS Subitanoes, on or- in
Sorrower ,1UlI1 not do, nor.Uowanyon..l.eloelo, anytt,ing aflecllng "'" Prcperty (0) tho
of .ny Erwironmonllll loW, (b) whleh cr.al" an Enllironmental ConcIitiOll, 0< (.) w~1e
presonClG, UP. orrsleaseofa HamrdOUS Su~.tene.. creal:esa conditiQn thatBdvemety
oflM Plo~8rty. The pret:eding Wo ._... .~.~ not GPpIy to lhe pr..""c., ute. or a
Property of 0..0" quantities 0/. Hazarclou. Sub.llIn.... tIoat "'" generally recognized 10
to normal r.ldential uses and to maintel1ance oUhe Property (including, but nOllimlted
. substane:..ln COhsumer products),
Borrowor S~.U p'o..p1!y gIVe l.ond.rwrillen notlo. of lal any In~a~on, c:t.oim, eI
or other action by any gcvern"'enlol or regulatory egoncy or p_ party ilM:lMng "'.
any HatardOUfl Substance cr environmental Law of wflieh 8orrowvr has actual kn
Environmont.I Condition, inoluding butnot limited 10, any ..,~lino, leakinS. discharge, rei
of re\oaS& of....y ~_rdou. Sub.lance, an. (e) any oonditlon cau... by III. pr0$8nce, u
at a Hazardou. Substance whlc~ ad_1y a!leclS 1110 WIlu. of tho Property. n Sorraw.
notified by any govornrn."tal Of' teg"".toIy authority, or any private PattY, th..t .ny rem
remediation tJf any Ha:zardous Substa.noe pffectJng the Propertyis necessary, Borrower"
take aU necessary ,omecllalacijon,ln accordance with Environmen1allaw. Nothlng h .
any obllgBtion on lender 'for It\ Environmental CleanlJp.
NPN.UNiFORM COVENANTS. Borr.- onel Len~r flJnhor cevenonland agree as
22- A....l.rIIlIo.: ".madl.., Lend.. _I Olve nolle. 10 Borrower prior to lordon
following BorTOWll~. br...h of any cove..nt or .ONelll.nlln 1111. Security Inolru nt (but not
prior 10 o""olorodon undor S_ 'II unl...jl,ppIlc8bIo ...... proW:Ioa _100). nder ""*'1
nodfy BoM'OWorof, .mono o1h<lrthlngo: (0) the doloul~ (b) theoedon roqulrodlo ou", ....I.ul~
(e) whon Iho doloU" must b. cu",eI;...d (el) thot lollu," Ioou.. the eI.""," ...pocl may ...ull
In o.~eral1Dn of1he...- MCUred bythlo hourtty I_m.n~ 1....._ bYJuelle I p.-.d-
In,_"<<:I..I.o ofthlf Pr~rty. Lend.rehall furth_Inform 8On4WWo1.... rtptto... atate aft8l'
IlccClI....Uon and the r1ght to aaeert In the foreolo8Ur. ptoeOOdlng th. ~~nce f. autau"
of any oth.r det.n.. or BarTOw_ fa 8cceler.tIon anc:l forecf08Ul'e. If tM dt'.ult &. c:u.-.cf .s
~n.dt L.nder .t Ita opUon may roqulrwlmmedlate plI)'mVnt In full of .tl ....m. aec .ed by thJa
hourlty "'otrUl1IOnl wlIIlouI IIlrther clemaml and may 1or90_ !hie Security In _I by
Judicial procoodlng. Londer ohalll>8 ontIllod lo colloct all ..po..... Incurred In ping !h.
rern~l.. proYld"ln tJaJ. s.oton22. IndudIng. butnotllmtted to, .attomeya'fe... and ortlll_
ovldonco 10 tho .xttnt,..""II\od.by App/leob'. Law.
U. R........ Upon p.ymonl 01 .U. ,um. O"Uleel I>y tIIi$ Security In"rumon~ . Seeunw
In~trument 8nd the estate eonvoyed d\e.O ttnnln.. ..,,0 beeome vo~. A1ter such OOcune ce,u.nd(jt
.hail discharge and ..~!Iy this Seourity lnolrurnerrt. Ilorro~r .~aU pay any record.~on . L.endor
maycharg. BorroworalMlo,,,,,...inothlt S_III)' l"'lI1lm.n~ bul only ~1holee" polcllO lltircl party
iur ..nIi.... rondere. and the chorging of 11\8'" II p.rm_ und.r Appll....l. lAw.
24, W.I""... Sorrcwor, 10 th. _I pormitlod by Appllcablo l.aw, _Ivos and rei...
or defects in proceedings to enfotu thIs: Socurity lnst'Umtnt. and Iwr4trf wBlws the
PENNSYLVANIA-6lrtcIlfI Ff,tnIIy..FIII,.,u. M-.JPr.cta.. Mae u,.lf'OAM INSTAllMENt FamlHS8 1/01
e1gQQ-20Q20*oOot.~Il'lC. Page14ot16
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present or tuture laws proViding far &tu~ of GJCeQutlot\, extension at time, eumption
Is.Y)' at'ld &.lel and t1Qrt'lPStead exemption,
:as. 1l0,",lIlelnenl PerIod. Barrower'sumolOroIllIWoprovided in&>Olion 19shal
prier 1l11he eomm<<lG8llltlntalbidding ot. .herill'. ..... ",olhor oaIe "".."""tIC> lhl$ S
25. Purcl10. Money MofItaV-. hlly ottne debt ...ut<<f by 11>" Security 1"0
Barroworto .cqu.. *-10 11>. PIap.rty, tlIiI Security In.tnIlnMlt.hallbo a pureha.. m
Zl. ''''''"at IIatoAllor JudematlLllorroWerag_1I>at tile inter..t_ payabla
10 entered on "'. Nolo or in OIlocilo" otmollg.g.for.cf..UreohBn bathe """ payable
undor ttle No"'.
BY SIGNING BELOW, Borrowot acceptl and ~ren to tha terms and covenants
Security lm~trurnent and in .ny RIder ~outed ttv Bcrrower and. (ecorded wnn \t.
'nedin this;
(SBd)
Pf.NNS\'L..VAN~QIlt F.tnOy..Fararu. ~ t 11 ".c UNIfOhM INSTRUMENT fomt3D31 110t
01~Onl/ne~,lne. Pege15of1S
~ 'I 0013029&65
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02-24-.0514:02 FROM-
T-010 P27/28 U-089
ess my hand 1&
coaaomrealth of ....Sn.VMIA
County of elIIIBIl~
00 tbie the 3itD clay Qf J'Ut..Y, :1003, ,",fon .., t< iJ
t.bo UadeJ".t,D.cl oft:Lo.r t ~C'IIOIl.lly .ppe.~ t1DVI:II R. JlELSQII r
known to' .. (cr ..t1sfaat.orily pC'O'HiIl) to be 'tile person wIIoae n
l\ab.or~d to tbe within. .t.nstna~Jlt aDd acbwledge4 tba'@Bl'Ie
ex.ou,ta4 the: II". for tho PUzpoBII& tb6toiD ooat.ailWcl.
tn witaeeG wneroof I he~>>to BB~ ay baDd and offici.l .gal.
My cO.-i.&iOD ezpire~'
NOTARIAL.SEAL
KAAeN L NAILOR. NOTARY PUBUC
mLVSl S_lWP..CCUNlY OFOUllSflUHO
Mrcor~l'SSIONeQ'IRESr.tAY'20. 2005
~ ~ . of fieer
J:>ENNSYLYANlA-Sing/f For\'Il~. _"'MlSdle MM UMFORM INSTRUMENT fotm *" 1101
C 19l>>-2CQ2 Online DocurnenIt, 1M. Pag.18 or 16
LOAK #1 0013029665
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02-24-'05 14:02 FROM-
f.b"Z4~ZOD5 D9=16 From-PREMIER A8STKAI;:T
+U~ ~~ilD
T-010 P28/28 U-089
T.~ti P. DZ9ICZ9 F-Z4C
File Numbel: 19868820
FULL LEGAl
Exhibit "A" to
Land ntfell'lld lD in lhlf (IQIIlIIlIm.N '" cl8SGribed.. ..Ilhat ~
situated in Low.r Men Tuwnehip In lhe Coum, of CUMIlERLAND
and beifIQ described in a d_ d&f8d PECot:1-1.... and IlIC<>rdecI 0
among tII" land __ 0' lII6 County _...."' foltll.."ve and
all follows: Baol< 213 and P_ I'" Alllhat C8l\Ill\ 11I- or ..... of nd sItU..
in the TOWII1II1lp of Loww ADen, Cclunlr lIf CwnIleIIwId, C:_/I'ftII of
penl\tlylvanil. mo,. pllRlclll.ny cIlIaorlbed _ foIIaow8: BegInning at . nt DII the
/IClrthaaat rlght of way line of SaInt """n'. Qnlrch RD.... Pannaylvanl LagIslaIlve
Route 121078, 823M feet --.-. a'iIlte~ of p....,.YlIIIl. S '- Routa
#670, right af,qy line; thence lion" oItIor .... now or late of RebmI WestflIIl,
North 48 degJ1lllS 53 m11Rlte8 30 secandll EaIt 100 feet lD. point; e
canllnulng alcmg a1her.....ds now or I'" of RelIII'II A. WMtf.u, South ......
25 minutes 30 _ands East 88.58 feet to a point; thence Soulh 48 de 37
minutH West 1211.111 feet lD a point In the IlDftheaat right of WW'/ line hint
JaM'S Chu"", RCNHI, PeMSylyanlal8;laldve ROU'-IZ107'; theIIoe ono the
last mentioned line NCII1h 41 c/lIgtMe De minutee 30 _lis Wee! 83. feet to a.
painr, the place of beginning,
Tax 10" 13-2~3.oo7
STEVEN R. NELSON
ICer:i!'. .'.:,. :c: he rCL'or,bJ
In CI.l1l.. . :.\'U;1.y p,\
7..... -
/......~~.:
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F:"",lrder of Deeds
OK I 822PGItlt 75
- -- . ...,....*~._.~---.~ ------
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IIIIIIII"-!,,_
.,a-. _ _ ._ _ .... "_-*,
- -. .- -. NOTE
.
MIl ,. 1000.17001,.2..151
.JULI I, lOG!
lDa'.1
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" Wo. _0 _, Cup lUll, ..... 11011
I........' -....,
_u_
,.....,
1. BORROW81'S PROMJlE 10 PAY
1'"W1I1n....IlIInIltalI.....--,I..-topoyU.S. '11,100," taa_"_'PlIIldpol1.
pM~ 101110 _.....!.onder. ~~.. __ PlIIUCIAL -~, ---
_ftCll.
....m....oIIJlO)n_.. ........_Intholonn..-. ......ar__.
I undertIIndlllMlle1MMMr "'"'lion....... _. ~ LMl<<IlI'OftVIlMwIIo IIkIIIhII Noll byftMlllendwllQ
._to _p"~II""''''' _. _110__ HoIl1or.'
J. INTEREST
IIIInIl wII bit cIlOIgod .......011I prine/poi un1IIlhe run amount.. Pl1ncIPII hM """" paid. 'will poy _ .1.
,.., ra\e 01 .. "".
'IlIo_,...""'""by...._Zlt IhonlO,...,.,.bOlh_and_MY____In_
1181 ale._.
3. PAYIISfT8
!AI ~ and P1_ 01"',._ .
I'" pay pII1lCIpII ond _ by moldlltl" ...,....,. 0V0Il' man".
fwilm.kemymandllfPl~"'''' lft dayof_manl1boghll1g... ___AI I, ZlDJ.
Iwlllm.".....,......-v__I_poIdOU.....p........d_ond..,..... ......._IIOCI
DtIaW_1 may__1hIo _ """""*"""i Plrmontwlll bupplled..alllltcllldl*dau._ and will bit
IpJlI\adto_bItIln............lI,an _.1.20", '.ea....__..._,I...
pay __.tI.. ...1111-' _ .__ "MOofl1Io...
I'" _ my"""" _1011I
'.0. _ .11
_, OJ Dn_.-U"
"'.t.dIIIorotIIpIlcaW..........byll1._ Hold...
(8) Aln_ oIMoalhl,...,_
My 1IIIJIIlhI, poyrnont wII bit frIl1l.lMGIInl 01 U.s. "11.".
.. IlOIIROWElfI R1G1f1' TO PlllPAY
,_.... light tomok.pwymIIllI oIPrlnclpot oIanrtlrn. _"" ...due. A""'.....' 01 PIInaIpoIanrv"_
... ""'~'1..III\L 'WhonI_.1'IopafmonI, .........__iIIwrt11ng....'omdahgoo.I_lIClldolllln.1O
. ...,...,... " Aopormont. I how nat modo d lito manllllr poy_ du6 und..... M....
1 mar _. AI. ~..IO/Il ar...... PnparmontI wIthIlul.....~.... 1110 _ HOldtrwll
_my Pr....,..-ID....... ..._IlIP\tlG1p11t1101l...._..1o Nahi. ,*,,""-, "'_HakIor m",1flIlIr
my......,...... 11>.... -'*' IIlIIIIIlpIIId _ on ilia """"""11IIlGUIll, _.,.,... my .......~ to
_.... Pllnelpll __"III _ .1....... paniII PI.......... _... bit no............ ilia... _.. In
tho _hi aI my monthlr """""'" un........ Nolo _......In wrIIng 10 _ ehangle.
.. l..ClM CHMOIII
K............. 8I'PIOI1D lNIla&n and__ _m la&n CIlIrgoI. ;0....... i1l11pl1l1d 00 "'"'....-
..._..-..._arla"._In....._..._._IhIoIaon_Ilie~IlnIIo,_:(oIanr
_Iaon ....... .hoD". _ b,.. _n1........, 10 nduOo ilia ctw.nIO ID 110 ponnI\IId ~ IIId !bI.'"
...".1IlroMIy__ m.whld....'..... ....-lImIlIwlllbIt..ndoIflDme. TM__may..._
11I_"*_ byredln:lnllOl. ~ I.... UIlllllr... Nolo'" by........._~Ia.... r._
redUcll PrlncI/lII. ilia _.... be _ u. panIoI """""""'nl
e. 1ICIIlIlCII1llER'8 FALURI TO PAY AI REllUIRED
\AI U.Clllrploro.on. ~
fllMr__........_...lIM_laI...,.......rvPlJlllllllby"'"oruI.. l' __
dI)I_..._.......'...,.,.._-..Io...__. 'IlIo_nt 01 110 .......". S.DHt
otmy_..~..prNlpoI"""_ll...por1hllI&\O-.aopl1llllp1lrblllonlr_on_IoIO.......1IlL
\lI) DIIlMI
Sldoll1ll \III, ...W.....nt 01 eoch ........., ""'"'""' an .., dllt k. eM, f will". In d_.
lCINol1MoI_
,..om"'_...__mar__.__lIIIinIIm.1III11.ldonalp.'..._..........1
by'''''' doll, ... _ Hold..""" require mota \III' 1mmodIoIoIy.... fuI_oll'llnctpalWllIch ....lIClIbttn
pIIcIond..""'1r1Io_1hoI1_an lIIo1_L TholdllemUllbt.IIonl:lOdIp ....''''''_...WIlIaII'''"''''''''.
Is..-.. '"".. dIIIwoNd by __..
(DJNo~IIY__
ewn n, II. limo '"""" I om In doloult. tho _ H__ no\ raquIro....ta "'" ImrntdIoIOlrln U u cltlcllbld
._. ...N.._wII..._". rl8/lltadaoa.lom 11I_.10__.
1IUL"".'Ilif1llEDRAft_....,.F_.._--............ __'If!
..___... 'age'.U
LOaII .. 00110_"
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.
lEI ......11II or..... HoIdII'a c:-.....1!IIpIn-.
iiu..__""lIqUIIICIm.lIlpoylrnrnoollafllrnMu-....... ..._Holdtrwll.........
IIl...PIid ......Ilymt IIlr II aria _... __In ~ 111II NoItIll...._ noI pnlIlbllld by.........
..... n._.........._.IlIr-.plo. ........ow, -. -.
7. ClMNlI Of' NCmCIS
~...pl.Il'''''''rtqUktt. _mtlllad,tny__m\llI......ID....u~dtrIl1llNoltWIII...aIYtn
Ily_glorlly-.gnlly1m... molI.......iIIe~Addlnl_orll._......r....
... NoIt Holder. n_ aI m, .....-*'*'.
Anrnallcethll....beg,." .....___111II_.......,..... Ilyd~.orbr~gn"'lm
..... mol""'" _HaIdorat"",__In_n 31Al- orll. dIIlINntlddlMl.llIIII,-,_
01""'1__.....
a. 0IILI041\ON1 Of PI!IIIONI UNDEIl MINIm!
.mn_ _ _"111II -'__11 fUIy_ .....-Jr~ "'''"'' dolll.,,-.
_""11_. _g...promloolllpllJ1IIoill___Anr_-...__......,"'1/IdOrHr
oIlh1o_lolioOobIIa*dIOCIO_lIIIlIlI..""'_----ab~..~IIlIIII\l..aall._
01. .........,IUNIY"'--"'.... -.10 1Ioo~lOlIMPllcl1IIo"- _n...._ 1he_
_...,_fIalWlllundorlhlo Noll 1QINt1lGh_lndl.Iduollrorogolnll.d 01 III ...... ThIo mun.
_ any..... oIuo..., bI....ul'lNllD..., II 01"'_ _ _111II Nolo.
.. WA1YER8
Ilftdlll\'__wI\OllIIcblallOlll_IhiI__"'IIgMo"'"""",,,1IIl1IId -"'_.
"I'I_..""I"_...lIghtla....... III. NaIl HaIdorIll_ p.,...nlcllllllClUl1ll due. 'NaIbt"'_
m_lIwJWlllOnoqukw'" Noll HoIlIorlcl __.._ _.... _ due_ natbHn pIIId.
10. UNlI'OIlMIICUIII!D NOTE
llIIo No. II . UIlIIIlrm ~_IIm'" _. n..... judad_1n IIklI1IorlIO 1llI ~lIC......,.....
..111. NoIIHoId..._III1_. .Mar!lIego, llHIIGfTrull,,,,-..y llHII \Ih.'....IIIr-l'l,-"'"
.... _,,__. ,,-lhINoIo HcIdIr_poeoIblo_wNdl illig" muIIHI olonat...........-
_1........\IlIo_ 'IIIII.......,_Id._h....IIId\l'ldlrwll._I_bl....-lD_
k... .. ..pIlIIIIIIIl...."'.._I_......1hIa__ar_condIlfanl..d_U_
IlIIorlll)'pIII"'''' ~f1I"'11nl1reo11n1lll f'IllPIIlrlo_"'IrIII......<ld p'1_lonat.
__..d.........InItnlIInBo_.._orlll/lollmdl_tand..."'.... ...iIIo.,,,,,,,",,,,,,
L-.r _ NqUfN _".,...nlln U 0101 ...._by.... --, -..._ ........1hiI
optlOn __lie _ br Lendor...... _Ia pIQI\IlJad'" AppIIcIIl. Law.
rl.wll*.....1hJooplCn.lAnd...ol1Il81w__0I_. 1JI8 n__pRNIda
. porlod oInOlIen _10 d.,._ III. _1Ila.-1I gIoMn n._ with hodaII \6wl11l1n whIdl
_.........,.I.....__bylllloSoculftVl.._L r_lIIIIlll\llY_......priOrI01llI
uplnl",," "'''10 pIIlod.1MIdOr .............'''''*'1.. porrnIUod by 1hJo SacIllllY __Ill,."".,
._",domInden_.
--......--~-- --.:&f.,- -,
I'" 0tIglnII 0nIJ1
1lU1........1I...IIATI.~1........,.......... ~J1 ...lIWOMI_'I'RI*INT ........
.,____.... Pego2012
LllU .. IOUO',."
..-or
Washington Mutual
P.O. Bo)[ 44"8
jacksonville, fL32231-4118
0629755265
December 15,2004
#8WNQ..NN#
#0906299756926592#
OOdIl4~ IP~
STEVEN R NELSON
99 SAINT JOHNS RD
CAMP HH..L PA 17011
WE ARE A DEBT COILECfOR. THIS IS AN ATTEMPT TO COLLECf A DEBT, AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
PLEASE REVIEW THE DEBT VALIDATION NOTICE ENCWSED
NOTICE OF COLLECTION ACTIVITY
RE; ACCOUNT # 0629755265
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
Thi. i. no nffid"l nnti~p tho. .hl! mnrli:~p~ nn ynnr home l~ in defnllh and tnp lenrl"r lntenrl. TO fn....r:lO!\e S~ci!'i'" inform"';"" "hem' thl:.
tU\m'P. n{ th~ rl..f~ll\l i!i :OTovld,e~ 'ill the attltch..~ pape.
The HOMEOWNPR'SMORTr.Ar;R ASSISTANr.P PR()C;.RAM (J-lf'MAP\ mll.V he, ahle trI hf>\n \{\..,._vnllT noone
Thi. Nmicp. ""plnin. how the prnfJmm work~
Tn <PoP. ifHRMAP ~nn h..]n ;;n" mu'<! ""EFT WITH A rON<:<nMF'K r.RFl)1T C:Ol)N~FJJNr. AC,F.Nr.V WITHIN
10 DAVe; OF' Tl1F OAT" OF< THIS NOTlr.R Takp fhi. Nolic!! with you when WIll meet with fn/! r.nlln...lin~ Apimcy
'fh~ \'\;.me ;.d,h~~~ ;."cl phon/! numnH of f:on.l1m..r ('rcd~le Au/!ol'ip.< <P.""i~01lTltV UP. 1i.!pd at Jhe...tru1..mthi~ NOlic~ If
yon hAW! JIll>, (Ine<!;on< vo" m..v call .he Pimnsvlvoni.. Hnl1<inr Fln"nce AVncv!n1l fre~ Jll 1-800-342_2397 (Pef'lnn< w;lh imnni....A
hpHinR/:ancaIl1717\7!lO_IR(,q\
This Notice contains important lepllnCQt'mation. It ,Q\l.I\\lo'ff. \lon, qunl.ions, J"epnsentllthea at tlle Consumer Credit Counseling Ag(!nCf
ll1ay be lIb1e to help nplain it. You may also want to l:Onlllct 11ft attorney in your area. The local bal' as.toclation mil,. be able to help you
fl.ildII Jawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA., PUES AFECTA sU DERECHO A. CQNTINllA.R VIVIENDO EN SU
CASA. 51 NO COMPRENDE EL CON1ENIDO DE ES'fA NQTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE
LLAMANOO E8TA AG~C[A (PENNSYLVANIA HOUSING fINANCE AGENC~) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDFS SER ELEGIDLE PARA UN PRESTA-MO FOR Et PItOCRAMA LLIl.MIl.DO ~HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM" EL CUAL PURDE SALVAR SU CASA DE LA PERDIDA DEL DERECHQ A REDlMIR SU HIPOTECA.
PAACT91
E'n "~!"H T ,,(\,'
l\i~"~ ~ Cll. \.,
HOMEOWNER'S NAME(S):
Steven R. N~I$On
LOAN ACCT. NUMBER:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
9' Saint Johns Rd
Camp Hill PA 171)11
06Z9'TS5265
Fl.
WaSblllgton Mutual Home Loansl Inc.
PROPERTY ADDRESS:
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
fROM FORECLOSURE AND HEl,P YOU MAKE FUTURE MORTGAGIt PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCf: ACT OF
1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENcY MORTGAGE ASSISTANCE:
I:F YOUR D:eFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL.
IF YOU HAVE A. REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND
IF YOU MEET OTflER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVAN[A HOUSING FINANCE
AGENCY.
TEMPnRAllV STAV nF FORFrl rn1I1RF._ Under the Act,)'01l are entitled to lltempora(y ~ta.y of fOl'C\:.\ooure Oil your mortgage for thirty
(30) days from the date o( this Notice. DurIng that time you must arrange and attend a "{ace-t{}-face" meeting with one of fhe consume:!
credit counseling agencies liMed at the end of tnisNotice. nlls MF.I<TrNr. MIlST occ.(J~ WITHIN THE NF.l(T {;1m O.t.VS IF' YOIr no
NOT APPLY POR ~MERGRNCV MnRTnA{;F ASSISTANCR yon M( [l;.T RRIN(; vmlR MORTOA(lR !lP TO DATR THE PA.RT
OF THI~ NOTier (:.1.1 f pn "HOW TO CORB. YCHJR MOIHGAm' nFFAlll T" F.XT'JAINS HOW TO BRING yotlR MnRT(',AGF.
UPTO DATE'
'~NSI lMF:R r.ru::OIT r.01JNSF.I.INt1 A.r.RNr.tR~ - If you meel with one of the. consumer credit <;~unsol\ng agencie.'llhled at the cmd of
tbis Mtlee. the lender .may NOT take acuo.ll against you for thirty (3D) days aher the date of Ih~ meeting. The nSnl"'. R"dre~se~" And
"1l!lenhone nllmbers of d",oi~f\l!.l".d ['nn~lmer cred,l ,"'mn~llnf aeende'i fnr Ih", ",,,unty In which the nmpllrtv is Irvn...rl gr", ...f'fllrrh .lIf thP.
IInd nfthic Nnt;/"p It is enl)" necessary to schedule one fact-to-face meeting. Advise your lender ImmPrliJljplv of your intentions.
APPIIC.o\TION FOR MnRTr.AGF. A~<;ISTANr.tl: _ Your \l'\Qrtgage. i~ in default for the reasons se( fort/! hUer in this Notice ($U following
pages fvr specific information &bolll the nature oCy<l\lr def~ult). If YOLl have tried and are unable to resQlve this problem with the lender.
)'Oll have the right to apply for financial tiSlste.na from the }l:Or1leowner'S Bmergency M()I"tgagc AS$,ist~nt.e Program. To do so, )'01,1 mllsl
lill out, sign and frle a compfeted HOmtoWneI':\ Emergency Assislance Program Application with \;Ina of the deSignated COllsumer credit
counscllng agencies Iisied at the e.nd of tl1is Notice. Only consumer crC{lit cou~ling agelldes have applicalions for lheprogram, and they
will Msisl you In suhmttt~ng a complete application to the Pennsylvania Housin~ Finance Agency. Your llpplicadon MUST be filed Of
postmarked wi.\nin thilt)' (10) days of your face-to-face rtleiltlnt
YOU MUST F1Le 'YOUR APPLlCATlON PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTltlm TIME
tERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEeD AGAINST YOUR HOME IMMEDlA'fELY, A.ND YOUR
Arpt!CATfON FOR MORTGAGE ASSrSTA.NCE WILL BE DENIED.
AGENr.V .t.rTION. Available funds -(or emergency ntorlgage aSSislanCe are very limited. They will be dlsbur:red by the Agency under the
eligiblUty crJteria estabiished by the. Act. The PennsylYllnia Housing FilUl.rv>:e Agency has sixty (60) days to make a decision after i.t ret.\:~\<U
your al'pHce.tion. During that lime, no foreclosure proceedings '11m be pursued against you, if)'Ol.I /lave met the lime requirements ~e1 .
fanh. lI.oo..e. YO" will be notified directly by the Pen1UYlvanil Housinll Finanu Agency of illl decision 011 your appliCAtion.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETlnON IN BA.NKRUPTCY, THE
FOLLOWING PART or THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT DE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
{If 1DU have med l>>nkrllptcy, you can still apply far Eme1'lIency Mortga,1' Auistance.)
0006~61nOB26
HOW TO CURE YOUR MORTGAGE DEFAID.T (Brln" It UD to date).
NA.T1IRR OF TifF. rur.FA.t!f T. The MORTGAGE debt MId by the aoove lender on ylWr prope.rty localed al:
99 SaiIltJohnsRd
Camp Hill PA 17011
IS SERIOUSLY IN DEFAULT BECAUSE:
Nan-payment
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PA.YMENTS fOr the following months and Ihe following amounts are now
))andue:
Mom111y lnstllllment~:
IO/flJl2m14
1110]12004
12101nOO4
$655.01
$6SS.01
$655.01
Olher c.harges (explainlitemiw):
Um-olJc<:ted Laltl Chargt.'l
Uncollected Pees:
Corporate advances
1~S3CredjU
TOTAL AMOUNT PAST DUEl
B. YOU HIl.VE FAILED TO TAKE. THE FOLLOWING ACTION (Not applicable):
.$16.95
$8.90
$0.00
.$0.00
$2050.0
HOW TO ClJRRTHF: DF.FAII1.T - You may cure thedefauh within THIR1Y (30) DAYS ()fthe date ofthis nolice BY PAYING THE
TOTAL AMOUNT P~T DUE TO THE LENDER, WHICH IS $2050.88, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING TIUt THIRTY (30) DAY PERIOD. p~Vl'rIl'nl~ mll~1 hP. mArl", ",,'her bv ra~h ("J\shi"'r'~ chp.ck certified
thp.clc ormonl'vordP.rmad"naVlthl"'and~nllo'
Washington Mutual Home Lo.ns, Tnc,
%01 McAllister FrW3.
San Antonio, TX78216-4681
You can CUrt ally other default by Ulking lhe following action within TI-lIRTY (30) DAYS of the date of this letter: (Not applicable):
IF VOIr DO NOT nrRF. THF. DF.FArTlT-lfyoudQ not cure tllcdefaull within THIRTY (30) DAYS olthe date crl' this Notice, t.b.t..lwdflr
i:nll'nrJ. In l''lt....''';~..1t~ rillhh tn lI.CC..l....lIM th.. mA..tIAI" r1"ht This muns that the entire outstanding balance of this debt will be cCll1sidered
due immedilHely, and you may lme the the chance to pay the mOTlsalle in monthly installments. If full payment of the total amount paSt
due is not made within THIRTY (30) DAYS, the lender also intends 10 instruct its attorneys 109tarl legal action to "'.......1...... mk'ln 1"""
!1Iortpa....dn..Ol'lp.rh..
.TF THF. MORTGA.CF. IS FORI?CI..oSF.n IIPON The mortgaged pruperty will be SOld by the Sheriff to pay off the mortgage'debt. If the
lender refe1'S your case to its attorneys, but you cure the delinquency before the lender begIns legal proceed.lng:l against you, you 'Will slill be
required to pay the reasonable attorney's kes chal were .w1<<AUy iucurred, up to Sso,OO. Howevu, jf legal proceeding:o; are started a.gainst you,
you wj]J have to pay all reasonable au.onery's fees acaually incurred by the lender even if they exceed 5S0,OO. Any attorney's fees will be,
added 10 the amount you owe the lender, which may al90 itlclude other reasonable costs IF """ r.lIre the lip-Fault within th.. THlllTV 130\
11AYJll:','iod VOII will not M r.n'lll..~d tll,-Jl-n.altol'nl>V'. fees
nTH"1l1 Ellln"Jl ~'F.Mli'nn...:! _ The lender may abo sue you personally for the upaid principal balance and al1 other sum, due under tbe
mortgage.
J'A ACT 91
VERIFICATION
The undersigned, an officer of the Corporation which is the
Plaintiff in the foregoing Complaint or an officer of the
Corporation which is the servicing agent of Plaintiff, and being
authorized to make this verification on behalf of Plaintiff,
hereby verifies that the facts set forth in the foregoing
Complaint are taken from records maintained by persons supervised
by the undersigned who maintain the business records of the
Mortgage held by Plaintiff in the ordinary course of business and
that those facts are true and correct to the best of the
knowledge, information and belief of the undersigned.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE
PENALTIES
OF
18
PA.C.S.
1;4904
RELATING
TO
UNSWORN
FALSIFICATIONS TO AUTHORITIES.
Date:
'?-'7-D5
Name ~;:~gil(M~
Ti tle: Att Asst Secretary
Company Washington Mutual Bank,FA
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-----
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01204 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MORTGAGE ELECTRONIC REGISTRATI
VS
NELSON STEVEN R
BRIAN BARRICK
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according t law,
says, the within COMPLAINT - MORT FORE
was served upon
NELSON STEVEN R
th
DEFENDANT
, at 1947:00 HOURS, on the 23rd day of March
2005
at 99 SAINT JOHNS ROAD
CAMP HILL, PA 17011
STEVEN NELSON
by handing to
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents hereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
10.36
.00
10.00
.00
38.36
Sworn and Subscribed to before
my thi~ ( J ~ day of
" 1/1.( ~v''5
~11'
So Answers:
r~~~~~
R. Thomas Kline
03/24/2005
SHAPIRO & KRE
By:
I~
Deputy Sheriff
. . \
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION
ATTORNEY LD. NO: 87137
2520 RENAISSANCE BLVD., SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 05-23621
Mortgage Electronic Registration Systems, Inc.: COURT OF COMMON PLEAS
as nominee for Nexstar Financial Corporation CUMBERLAND COUNTY
PLAINTIFF
VS. NO: 05-1204
Steven R. Nelson
DEFENDANT(S)
PRAECIPE TO SETTLE. DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED,
without prejudice.
SHAPIRO & KREISMAN, LLC
~ ~'
BY: . J. (1 flfl. - (57L---...
II a Zion, Esqu r
Attorney for Plaintiff
DATED: 4J~ 1t8
.
\ .
CERTIFICATE OF SERVICE
I, Ilana Zion, hereby certify that on 4J l/-/0
I served a true and correct copy of
the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail,
postage prepaid:
Steven R. Nelson
99 Saint Johns Road
Camp Hill, PA 17011
SHAPIRO & KREISMAN, LLC
#'
BY: ~~r.t1.(l/ 6ll----.
Ila Zion .
Attorney for Plaintiff
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SAIDlS
SHUFF, FLOWER
& LINDSAY
ATTORNEYS-AT-UW
26 W, High Street
Carlisle, PA
,
I!
Daniel R. Boling,
Crystal Boling
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
CIVIL ACTION - DIVORCE
NO. 04-1204 CIVIL TERM
IN DIVORCE
Defendant
Proof of Service
.
CASE NO: 04-1204 AFFIDAVIT OF SERVICE
COURT: IN THE COURT OF <:xl1MON PLEAS OF aJMBERLAND CXlUNTY. PA
PEn'ITIONER:
DANIEL R. BOLING
PLAINTIFF: XXX
RESFONDmI':
CRYSTAL BOLING
DEFEml1\NT: XXX _
TYPE OF SERVICE
SUMMONS:
SlMmS & CCHP.:
SUBPOE1'lA :
OTHER: <X>VER L~, NOTICE IN DIVORCE, CCHPLAINT IN DIVORCE, VERIFICATION,
CXlUNTER AFFIDAVIT UNDER SECTION 330Hdl OF THE DIVORCE CODE,
FOR: CRYSTAL BOLING
DATE RECEIVED: 4-01-2005 DATE SERVED: 4-06-2005 TIME SERVED:
1:20 PM
PERSON SERVED: CRYSTAL BOLING
LOCATION: 2225 HUNTINGTON DRIVE #B
LAKE HAVASU CITY , AZ 86403
PRECINCT: LAKE HAVASU CITY
CXlUNTY :
MOHAVE
I CERTIFY THAT I PERSONALLY SERVED ALL DOCUflENTS, AS LIST'W ABOVE
STATE OF ARIZONA) ( ., , . ~_.-
COUNTY OF MOHAVE) S8: .'(U\'IA.:,'
AI L. Z 34
SUBSCRIBED AND SWORN TO BEF~~E ME (PROCESSJSERVER)
THIS 1-+11 DAY OF ,/1,;1,<:. i { , 2005 MOHAVE CXlUNTY
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I~' ~::.,....>.;:",;, IH:.U~N i. P(;VVLLJ
(NOTARY PUBLIC) ,:,', :'~~-'c'~C:';":';;) ;\:ot;',r,. ;::ubiiC - ~:t;<l~f: liT
"'.."1 .
MY CCMMISSION EXPIRES (.~- n - c 7 i ., . "", ;,jUtiP';'i,;O;Ji':i \
"'-"""'0"-'"
r STATEMENT OF COSTS FOR SERVICE ATl'ACHED
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