HomeMy WebLinkAbout05-1504
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CIVIL DIVISION
CHASE HOME FINANCE, LLC,
s/b/mlt CHASE MANHATTAN
MORTGAGE CORPORATION,
NO.: Of; - /S'oL{
C();L~W;
Plaintiff,
TYPE OF PLEADING:
vs.
NICOLE L. LETIZIA,
CIVIL ACTION-COMPLAINT
IN MORTGAGE FORECLOSURE
Defendant.
FILED ON BEHALF OF PLAINTIFF:
TO DEFENDANT
Yau are hereby notified to plead
to the ENCLOSED COMPLAINT WITHIN
TWENTY (20) DAYS FROM SERVICE HEREOF
, ;1" J ( C Ii ()}/(UL( /c' ~
F ! ~
ATTORNEY FOR PLAINTIFF
Chase Home Finance, LLC, s/b/m/t Chase
Manhattan Mortgage Corporation
COUNSEL OF RECORD FOR THIS
PARTY:
J HEREBY CERTIFY THAT THE ADDRESS
OF THE PLAINTIFF IS:
3415 Vision Drive
Columbus, OH 43219
Kristine M. Anthou, Esquire
Pa. I.D. #77991
AND THE DEFENDANT IS:
GRENEN & BIRSIC, P.C.
One Gateway Center
9 West
Pittsburgh, P A 15222
(412) 281-7650
1101 Franklin Street
Carlisle, PA 17013
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ATTORNEY FOR PLAINTIFF
CERTIFICATE OF LOCATION
I HEREBY CERTIFY THAT THE LOCATION OF THE
REAL ESTATE AFFECTED BY THIS LIEN IS
1101 Franklin Street
Borough of Carlisle 5\h Ward
(CITY, BORO, TOWNSHIP) (WARD)
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ATTORNEY FOR PLAINTIFF
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CHASE HOME FINANCE, LLC,
s/b/m1t CHASE MANHATTAN
MORTGAGE CORPORATION,
CIVIL DIVISION
NO.:
Plaintiff,
vs.
NICOLE L. LETIZIA,
Defendant.
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claim 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 ajudgment 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 LA WYER 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 MAYBE 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 Bar Association
2 Liberty Avenue
Carlisle, PA 17013
Phone (800)990-9108
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CIVIL DIVISION
CHASE HOME FINANCE, LLC,
s/blmlt CHASE MANHA IT AN
MORTGAGE CORPORATION,
NO.: DS" - /5 Co',!
C;uL ~8'2-1[
Plaintiff,
vs.
NICOLE L. LETIZIA,
Defendant.
CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE
Chase Home Finance, LLC, s/blmlt Chase Manhattan Mortgage Corporation, by its
attorneys, Grenen & Birsic, P.c., files this Complaint in Mortgage Foreclosure as follows:
I. The Plaintiff is Chase Home Finance, LLC, s/b/mlt Chase Manhattan Mortgage
Corporation, which has its principal place of business at 3415 Vision Drive, Columbus, Ohio 43219.
2. The Defendant, Nicole L. Letizia, , is an individual whose last known address is
1101 Franklin Street, Carlisle, PA 17013.
3. On or about January 7,2000, Defendant executed a Note in favor of Equity One,
Incorporated in the original principal amount of$74,949.00. A true and correct copy of said Note
is marked Exhibit "A", attached hereto and made a part hereof.
4. On or about January 7, 2000, as security for payment of the aforesaid Note,
Defendant made, executed and delivered to Equity One, Incorporated a Mortgage in the original
principal amount of$74,949 .00 on the premises hereinafter described, said Mortgage being recorded
,
in the Office of the Recorder of Deeds of Cumberland County on January 7,2000, at Mortgage Book
Volume 1591, Page 174. A true and correct copy of said Mortgage containing a description of the
premises subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof.
5. Equity One, Incorporated assigned all of its right, title and interest in and to
aforesaid Note and Mortgage to Plaintiff pursuant to a certain Assignment of Mortgage recorded in
the Office of the Recorder of Deeds of Cumberland County on March 6, 2000, at Mortgage Book
Volume 639, Page 609.
6. Defendant is the record and real owner ofthe aforesaid mortgaged premises.
7. Defendant is in default under the terms of the aforesaid Mortgage and Note for,
inter alia, failure to pay the monthly installments of principal and interest when due. Defendant is
due for the November 1,2004 payment.
8. Plaintiff was not required to send Defendant written notice pursuant to 35 P.S.
!l1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91 of 1983) prior
to the commencement of this action for the reason that the aforesaid Mortgage is insured by the
Federal Housing Administration under Title II of the National Housing Act (12 U.S.C.
!l!l1707-17l5z-18).
9. Plaintiff was not required to send Defendant written notice of Plain tift's intention to
foreclose said Mortgage pursuant to 41 P .s. 9403 (Act 6 of 1974) prior to the commencement ofthis
action for the reasons that said Mortgage is not a "residential mortgage" as defined in 41 P.S. !l101
and the Defendant is not a "residential mortgage debtor" as defined in41 P.S. !l101.
10. The amount due and owing Plaintiff by Defendant is as follows:
Principal
Interest to 3/9/05
Late Charges to 3/9/05
Corporate Advances
Attorney's fees
Title Search, Foreclosure and
Execution Costs
$67,799.20
$ 1,338.11
$ 84.55
$ 82.26
$ 1,250.00
$ 2.500.00
TOTAL
$73,054.12
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due
of$73,054.12 with interest thereon at the rate of$8.36 per diem from March 9, 2005, and additional
late charges, additional reasonable and actually incurred attorney's fees, plus costs (including
increases in escrow deficiency) and for foreclosure and sale of the mortgaged premises.
GRENEN & BIRSIC, P.C.
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BY:" v~cJ( (/(cl) Ctt(,(c'i--
Kristine M. Anthou, Esquire
Attorney for Plaintiff
One Gateway Center, Nine West
Pittsburgh, PA 15222
(412) 281-7650
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
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LN# 00222043
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RATE NOTE
~i1^ Case No
441~6180556
January 7. 2000
IDlIlej
1101 Frankl1n Street.Carllsle.PA 17013
[PHlpenyA\ldre.\sJ
1. PARTIES
"Borrower" means each person slgOlng allhe end of this Note. and Ihe person's successors and assigns "lAnder" means
EqUlty One. Incorporated. a Pennsylvanla Corporatlon
and liS succcs$Ors ,nuJ assi!;ns.
2. nORRowER'S PROMtSE TO PA Y; INTEREST
In rClUm for a Joan rt"CClvcd from Lender. BorrowL'r promises 10 pay the principal sum of Seventy Four Thousand
Nlne Hundred Forty Nlne and nollOO
Dollars I'll .S. $ 74.949.00 ), plus interesl, to lhe order 01 Lender. lnteres\ will be charged on unpaid pnnclpal,
from tbe dale 01' dJsburscmenl of the lo,U} proceeds bv lender, <II a rate of Seven and One ,I Quarter
percent ( 7.2500 %) per )It'ar unin lhe lull a.rnount of pflnclpal has. been p.mL lnc interest rail.' may change
1Il accordance with Paragraph 5(C) of thIS NOle
3. PR()M1Sl:o: TO PA Y SECURED
Bonower's prollllSl." to pay IS secured by a marl gage , uL'nJ of trust or sim\lar ~ccutil:-' mstrunlent Illat 15 dated the same dalt'
,L~ ttm. NOll' anu cal\tO the "Security Insrrumenl." TIlat Securny Instrument Pfl1ICctS the Lender (nmllosst:s whIch nughl result
If Borrower defaults \.mder this Noll'.
4. MANNER OF PA YME!\'T
(A) Time
.Borrower shall make a paynll'nt of prinCipal and mterest to Lender on the tirst U<lY of each month beglrlntng on
March 1 2000. Any prlrlclpal and interest remaimng 0:1 (he first day of February
2030 ,wIll be due on that dale, whIch 15 called the "Maturity Dale."
(U) Place
Payment shall be made at 523 Fell Ovlsh 1 P Rd
Mt
Laurel. NJ 08054
or OIl such other place as Lender may deslgnate In writing
by notIce 10 Borrower.
(C) Amounl
Inilial.ly, each monthly payment of pnnclpal and interest will be in the amount of U.S. $ 511 28
Tllis art\llUot Will be pan of 11 larger monthly payment required by the Security Imtrument lb.at shall be applll>U to pnncipal.
mteresl and other items 1(\ the order dl'scrihed In lhe Security Instrumenl. TIllS amount may change in accordance wnh
Paragraph 5(E) of this NOte
5. INTEREST RATE AND MONTill, Y PA YMF.NT CHANGES
(A) Change D~te
The mlereSI rale may change on lhe first day of Apn 1 2001. and on that day of each
succeeding year "Change Dalen means each date on winch the Interest rate could cb.ange
(8) The Index
Beginning WIth Ihe fITSt Change Dale, Ihe intcrest rale Will be based 011 an Index "Index" means the weekly
average yield on United States Trt'a:mry Se'CUTlIICS adjusted to a constanl matunty of one year, as made available by the Federal
Reserve Board. "Currenl IndCA" means me most recenllndex figure available 30 days before Ihc Change DaIC. If the Inde", (as
FHA MuJIL~I:ale AdJustabl1! Rail! Note. !Of?!
"-5901911I011
... VMP MORTGAGE FORMS 18(0)521.7291 ~ \ 'L \L
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dcflOCd above) IS no longer aV<liJilhlc, Lender will use as a new lntlcx any index prcscnhcd by the Secretary (as defined in
Paragraph 7(8)). Lender will gIve Borrower notice of the new Index.
(C) Calt:u\Mion ()f Interest Ra\e Changes
Before each Change Dale, Lender will c3lculate a new Lnten:sl rale hy addmg a margin of Two and Three I
Quarters percentage poim{s) ( 2.7500 %) 10 the Current Index. and
rounding the sum 10 the Ill'arCSl onc-elghlh of one percentage pomt (0 ]2.5%). SubJectlD .he limits stated In Paragraph .5(0) of
this Note. this rounded amount v.'il1 he the new inlcrest TalC unlillhc nexl Change Dale.
(D) Limits on Inh.'I'"l.':'i1 Rate Changes
The eXlstmg interest ratc WIll never increase or decrease by mOTe than one percentage point (1.0%) on any sll1gle
Ch:mge Date. Tht: Lnten.'l>! ratc will ne....er he more lhan five percentage pointf> (5.0%) hIgher or lower than Ihe inllial inlt:Tcsl
rate staled in Paragraph 2 of lhis NOll:,
(E) Calculation or Paynwnt Chlmgt:;
If the interl'st rate changes on a Change Date, Lender wllI cakulatl' the amount of mOnlhly payment of prinCipal and
Interest which would be nccessary to repay thc unpaid prinCipal halance i.n full M the MalUnt)! Date al Ihe new lO\en:Sl Tale
through substanllally equal paymcnls. In makmg such calculation, Lender will use the unpaid pnnClpal halance which would be
owed on the Change Date If then: had heen no default in payment on the NOle, reduced by the amount of any prcpaymcms 10
principal The result of thiS calculation will be the Jmoun! of the new monthly payment of principal and mteres!.
(F) Notice of Chun~t'5
Lcru.lcr wlII give notm: to Borrower of any change In the mtnest rale am! mOnlhly payment amounl The nOlice must
he gIven at least 25 days before the new momhly payment amount IS due, and must M:t fonh (i) Ihe date of the notice, (il) the
Change Dale, (iii) the old IIltereSl rate, (iv) the m:w nllen:st rille, {v} the lieW mfln\hly payment amount, (vi) the Current Index
and Ihe dale it \A.'as puh!Jshed, (vii) the method of calculating the change In monthly paymenl amount, and (viii) any other
informatIOn wllldl may be requlrt'd by law from Ilmc 10 lime
(C) Effl-cti\'e Dale of Changes
A new interesl rate calculaled in ;lccordanee with Paragraphs 5(C) and 5(0) of Ihis NOH: WIll become effecllve art Ihe
'C\lange Date. Borrower shall make II payment in the new monthly IImounl heginning on Ihe first paymen( date which occurs at
Ieasl 25 days after uJHkr has given Borrower Ihe n,)IIC(' of changes required hy Paragraph 5(F) of lhis Note, Borrower shall
have no ohli~alion to pay any mere,I..';\: 111 ,hc monthly p<l)'ml.'n\ amoum c:lkul:\1ed in accordance with Paragraph 5(E) of thiS
Note for any payment dme occurring less lhan 25 days aftcr u.:nder has glven the reqUIred notice. If lhe monthly payment
amount calculated Jll accordance With Paragraph 5(E) of IhlS Note decn:a5td, but Lender faIled \0 gl'le limc\y notice of the
decrease arid Borrower made any monthly paymenl amounts e:xce:euJIlB the payme:nt amount which should have been stated in a
timcJy nOllee, tl1e:n Borrower has Ihe option to e:ither {I} demand the return 10 Borrower of any e:}teess payment, with imcreSI
lhc:rcon at Ihc NOH: ratc (a rate: equal 10 the interest rale which should have bet'n slale:d in a llmcly nollce), or (11) rcquesl that
:lny t'xcess payment, with inlerestlherl'on al the Note: ralt:, he appl1ed as payment of prinCIpal, Lender's obligation 10 return any
excess paymt:nt with Interest on ue:manu lS liDl a:if>igntiDIt: l'Ven if lhis Note IS olhern'isc assigned before the demand for return IS
madc.
6. BORROWER'S RJGHT TO PREPAY
Borrower hilS the righl 10 pay thc deht eVidenced by this NOle, In whole or In pan, without charge or penalty, on the first
!.lay ,)f any month, Lender shall accept prepayment on other days provided thaI borrower pays mterest on (he amoUnt prepaid for
the remarnder of the month 10 the e.,tent reqUired by Lender and pernuned by regulations of the Secretary, If Borrower makes a
partial prepllymcnl, there win he no changes In the due date or in the amount of lht: monthly paymeol unless Lender agrees III
wntmg 10 those changes,
7. BORROWER'S FAILlJRE TO PAY
(A) Lale Charge for O\'erdut Payments
If Lender has nOI received the full monthly payment required by the Security Instrument, as descnbed in Paragraph
4(C) of thiS NOle, by Ihe end of fifteen calendar days after lhe payment IS due, Lender may collect a late charge m lhe arnoum
or Four percent ( 4.0000 %) of the overdue amount
of each payment.
(D) Default
If Borrower defaults by falling to pay III full any monthly payment, then Lt:ndcr may, cllcepl as Iirntted by rcgulalLons
of Ihe Secretary 10 Ihe ease of payment defaults, require immediate payment m full of lhe pnncipal balance remammg due and
aU accrued inlercsl. Lender may choose not to exercise thIS option Without walvmg liS rights m the even! of any sUbsequenl
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dcfauh. TIllS Note docs nol authorize accc\eritllon when nOl permined by BUD regulations. As used in this Note. "Secretary"
means the $l'trclary of Housing and Urban Developmcnt or his or her <kslgncc.
(C) Payment of Costs llnd Expenses
If Lender has requin'd lITlITlnhillc paymcnlln full, as descnbt'd above, Lender may require Borrower to pay costs and
expenses including T('asonahle and customary allomeys' fees for enforcmg this Note to the t'x.lcn! nOI prohibllcd by appllcablf
law Such fees and costs shall bear Interest from the dale of disbursement at the same rate as the principal of thIS NOll'
8. WAIVERS
Borrower and any other person who has obligations under thIS NOlC waive the fights of presentment and nOllee of
dlshunor. "Presentment" means the nghllO n:qUlTc Lender 10 demand payment of amoums due. "Nollee of dIshonor" means
the Tight to require Lender 10 gIve notice 10 olher persons thai amounts due have nOl been pmd.
9, GIVING OF NOTICES
Unless Ilpplicablc law requlrt:s a diffl'rcnllllelhod, any nollct' lhal must be given 10 Borrower under thIS NOle will be glvl'n
by delivering it or by mmlmg il by firsl class mail 10 Borrower m the property address above or al a diffrrent address If
Borrower has given Lender a nOllee of Borrower's ulfferl'nt address.
Any notice Ihal must be given 10 L:nder ulldcr this NOle will be given by firsl class mail to Lender at the address stated in
Paragraph 4(B) or at a ulffernll auurcss if Borrower is gIven a notH;e of that differenl address
10, OBLIGATIONS or I'ERSOKS lJ!\"DER TillS ?'olOTE
If morc than onr person sIgns IhlS NOlc, each pnson i.'i fully anti personally ublLgaled to keep all of lhl' promIses made In
IhlS NOle, includmg lht, prolllJSl' to pay thr full amount owed. Any person who is a guarantor, surelY or endorser of thiS NOIc IS
also obligliled to do lhl'se lhmgs. Any person who lakcs over Ihesc obligatIons, lllcludlng Ihe ohllg<lllOns of a guaraIllor, SUrt'ly
or endprser of lhls 1'\ole, is also obhgall'd 10 kl'rp all of lhe pron1Jses made in Ihis NOIc. Lendcr m<lY enforce ils rights under IhlS
Note <lgainsl each person Indlvidual]y or agmnsl all signalOTleS Il1gelh~r. Any Ont' person signlll~ Ihis Notl' may be required \(l
'pay all of thc ;UIlOUnlS owed under Ihls Note
BY SIGNING BELOW, Borro.....er aeeepls :lnu agrees to thl' tenns and covenanls tontalnl'll in thIS Note,
(Seal) '1Ufi~ 'rf,.~ (Seal)
.Borrower N1Cole L. LetlZl. .Borwwer
(Seal) .(Seal)
.Borrower -BoTTowel
(Seal) (Seo1)
.Borrower .Borrower
(S,01) --~ (S,01)
.Burrower -Borrower
~.59019&O'1
WITHOUT RECOURSE PAY TO THE ORDER OF:
CHASE MANHATTAN MORTGAGE CORPORATION
P_3013
H. Burton Embry, V.P.
Pay to the Order of
Wir.,ctrl Recourse
:n3rf:tion
UNOA TIPTOIt: . SECI'lETARY
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ROBERT ~. ZIEGLER
P.ECOI~DEn OF DEEDS
CUI.:B[I;~\:iD COlilrfY - PA
'00 jAN
7
Pf'I ~ 03 '-1/
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GR~G~\N1~l
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Parcel Number:
{Span Above TId~ LlIlt l'ur Rn:nrding D~lal
Commonwe.llllh Or l'tnnsyh"ania
MORTGAGE
FHA Case No -I
441-61~
IN# 00222043
THIS r..lORTG^GE ("Sccunly [nstrumcnn IS gIven on
The Mong'Sac "Nlcole l letlz1a. MARRIED PERSON
January 7. 2000
("Borrower"). ThIs St"CurLly Instrument is gl\'t:n 10 Equlty One. Incorporated, a Pennsylvama
Corporat lOn
which IS organized anti cxisllng under the laws of
whoscaddrcSSIS 523 FellowshlP Rd Mt
Pennsylvama
Laurel. NJ 08054
("Lender'"), Borrower owes lender the pnnclpal sum of
Seventy Four Thousand Nlne Hundred Forty Nlne and nollOO
Dollars (U.S $ 74.949 00 ).
TIlls debt IS evidenced by Borrower's note dated (he same date as this Sl.:curity Instrumclll (~Note"), whICh
provides for monthly paymenlS, with the full debt, If nO! paid earhcr, due and payable on February 1. 2Q30
. TIlls Scr.;uflly Instrument secures 10 Lender: (a) the repayment of the debt eVidenced by the
Note, with lfiH:rest, and all renewa1s, extensions and modifications of (he NOle, (b) the paymelll of aH olher sums,
witlJ interest, advanced under paragraph 7 to protect the secunty of this Security Instrument; and (e) the performance
. and
tllA Perul$yl~..rua ~{)r1RaIC - 4/%
C$4RIPAJ 196041 01
I,'MPMQRTGAGEFORMS 180015.'.7291... \1 \
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LN# 00222043
of Borrower's covenants. and agrccmcn\s ~ndl;I "us. Sccllfity InslTumcnl and the NOll'. For this purpose, Borrower
docs hntb}' mortgage, grant and convey to the Lt-ndcr the followmg dcscrihed property locall:d In
Cumber land CO\lnl.y, Pt'nnsylvarua'
whu.:hha'>lhclHldrcssofllOl Franklln
Pcunsy]yania 17013
Street.Carllsle
IZlpCr>liel ("PlOprn)' Address");
ISUecl. Clly\,
TOGETHER WITH all the Improvements now or hereafter l'Tcctl:d on the property. and all casemenls,
appur1I::o<mCes and lixlUrn now Of lll'Tcahcr a pan of the properl)'. All rcplaCl'mCnlS and addulOns shall also br
co\'cn:u 0)' tillS Serum)' Inslrulnt:nl. All of tht, foreglling is rekrred 10 m this Security Instrument as the "Property."
BORROWER COVENANTS Iha! Borrower is lawfully seized of the eSlale hrrcby conveyed and has the nght to
/TlOrtgilge, gram ilod convey the Property and that Lhe Property is ullcllcumbered, ["CCpl for [Ilcumhrances of record.
Bnrrower W"rran\s and WIll tlei'1:nd grneral\y IlK lllk 10 the Property ag;llllst all claims and demands, sUhJecl to any
encumhrances of record.
TH1S SECUR\TY INSTRUMENT combines uniform covenants for natlonal use and non. uniform covenants
wllh lImited \'ilrllllions by j\.lfl~dJC(ion to constl\utc a uniform secunty inSI(ument covcnng retll propcrty.
Borrower and Lender covenanl and agree as follows:
UNIFORM COVENANTS.
1. I'ayment or I'rindplll, lnll'rest .and Laic Charge. 13orrowl'r shall pay when due the prinCipal of, and
IllIl'fCSI on, lht' debt evidenced by the Note and hue chaIges dUI: um.\eT the NOle
2. !\.1onfhly PllJfUcnt of Taxe.<.:, Insuruncc and 011)(..... Charges. BorrOweT shall mclutle III each monthly
paJmcl1t, [ogelher With thc pnnclpal and interesl a~ set rorth III lhe NOll' and any laic c1targcs, a ~urn for (a) taxes and
speclil! assessmem~ levied or to bc IrVll-U against the Property, (h) leasehold paYrnelllS or ground renls on the
Proplmy, and (c) premiums for ulsurance required under paragraph 4 In any year in which the Lender must pay a
mnng<lgc lnsurance prtrruum to the Secretary of Housing and Urhan Devclopmcm CSecretary"), or in any year In
which such premium would have bl"Cn required If Lender still held Ihe SecurilY Instrument, each monthly payment
shall also include either. (i) a sum for the annual mClrigagc H\surancc premIUm 10 be paid by Lender 10 the Secretary,
or (II) a mOllthly charge lIlstead of a mortgage JIlsurance premium If this Security InStrumenlls held by the SecrCiary,
1rl a reasonable amount to be detenruned by [he Secretary. Exce~t for the monthly charge by the Secretary, mese
items arc called ~Escrow Ilems~ and [he sums paid 10 Lender are called ~Escrow Funds"
under may, al any time, colleCI and hold amounts for Escrow Items III arl aggregate amOUIJ[ nOllo exceed lhe
maximum amount that may be required for Borrower's escrow account under Ihe Real ESlalC Senkmcnt Procedures
Ac[ of 1974, 12 U.S C. Sewon 2601 e{ 5eq and lmplememing regulations, 24 CFR Part 3500. as they may be
amended from ti.me to t\mc ("RESPA"), CXCI.."P\ Ihal1he cushlOn or reserve perm:iuoo by RESPA for unantiCIpated
disbursements or dl~hursemcnts before the Borrower's payments arc aVllllable in the account may not be based on
;ID10UntS due for Ihe mortgage insurance prerruum.
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If (he amoullts held by Lender fm Escrow llt~rm t:l'.cl'cd thr amounts permitted 10 be held by RESPA. Lender
shall account 10 Borrower for the execss funds as rcqulrl:d hy RESPA. If the amounts of funds held by u.'lldcr at any
lime are not SUffiCICllllO pay tht. E<;crow Items when dUe. Lender may nOlify the Borrower and require Borrower In
make up the shortage as pcnmttrd by RESPA.
The Escrow Funds are pkdgcd as additIOnal security for all sums secuTl'd by Ihls Security InSlrument If
Borrower Icndl'rs to Lender the full payment of all such sums, Borrower's accounl shall be crcdllcd with the balance
Temainlllg for all Installment Itt'ms (a), (b), and (c) and any mortgage insurance premium IIlslallmenllhal Lender has
110( become obligated 10 pay 10 the Secretary, and Lender ~hall promptly refund any excess funds to Borrower.
lrrunediardy pnor to a fcw:dosurc sale of the Propeny or liS acqUlsillon by Lender, Borrower's account shall be
credlltd with any balance remallllog for all installments for items (a), (b), and (e).
3. Appliculion of I'ayments. All payments ulllkr paragr<lphs 1 and 2 shall be applJed by Lender as follows:
FIrst, to the mongagc insurance premium 10 be paId by Lt:ndcr 10 thl' St.'Crl'tary or 10 the monthly charge hy the
Secretary IIlstead of the monthly mongage insurance pH'mlUln,
Second, to any taxes, spt.'cwl asst.'ssmCnlS, Icaseh()ld payments m ground R"nts, and I1re, Ilood amI mher hazard
insurance premiums,.iS required;
ll1ird, to mterest due under the Note;
Founh, to 3mOnl1.atlon of the principal of the NOle; and
FIfth, lO late charges due under lhe Note.
4. Fire, "load und Other Hazard Insurance, Borrtlwer shall Insure alllmproyemellls on thl' Propeny, whether
now 111 exislence or subsequently l'rected, ;Jgmnst allY hazards, casualties, and contingencies, includlOg fire, for whIch
Lender H'qUJTCS insurance. ThIS InsUranCl' shall he m:llnl3111ed 10 the amounts and for the perIods that Lender
rt.'quirl's. Borrnwtr shall iJlso insure all lmproyements Oil the Property, whether now 10 existencc or suhsequemly
crcctl'd, agalTlstloss hy noods 10 Ihc extent requm-d hy the St'Crt.'tary. All insurance shall be carried WIth compames
approvl'd by Lender The Illsurance poliCIes and any rmewals shall be hdd hy Lender and shall include loss piJyable
clauses in favor of, and 1II a foml acceptahle 10, L...:nder.
In [he l'yent of loss, Borrower shall glYl' Lender imrnediatl' Ilotice by mall. Lender may make proof of loss if not
made promptly hy Borrower Each insurance company cnneerlll:d is hnehy authoflzed alld directl'd l\1 make paymt.'nt
for such loss directly to Lender, 1I1Slcad of to Borrower and to Lcndcr Jointly All or any pan of the insurance
proceeds may he applied hy Lender, at llS OpIU)l\, eilher (a) to the reduction of lhl' ]I\dl'htL'dness under Ihe NOll;' and
this Serumy Instrumem, first to any delinquelll amounts applied in the order 1I\ paragraph 3, and then 10 prl'payment
of principal. or (b) to the rCSlOratlon or repair or the damagt.'d Propeny, Any applicatIon of the proceeds 10 the
pnllnpal shall not extend or postpolle Ihe due date (If the monthly payments whIch are referred 1010 paragraph 2, or
change the amount of such payments, Any excess insurance proct.'eds oyer an am\)unt rcqum'd to pay all out-standmg
llldebtedness under the Note and this SecurllY Instrument sl1<1.1I he paid to the cnlJly legally entllkdtherew.
IT: the {".'em of for::cloSt.:re of Ih]s Security !n~.!~n~cnt or other IT:msfer of t:lle to the Propeny lhat cxtlngUlshes
the indehtt.'dness, all nght, tille and interest or Borrower 10 and t{J insurance pollc]es 10 force shall pass to the
purchaser
5, O<:cupaney, Presen'<Ition, :'\laintcnunce and Protection or the Property; Borrower's I.oun Applk:.ltionj
Leaseholds. B\mowcr shall occupy, establish, and llse the Propeny as Borrower's princIpal reSIdence withm sixty
days after the execution of thIS SeCurity Instrument (or wllhm sIxty days of a later sale or transfer of the Property)
and shall cont1l1ue 10 occupy the Property as Borrower's pnnclpal resldencc for al least one year aher the dale of
occupancy, unless Lender delCrmines that n:quirt'mcnt will cause undue hardship for BorroWl'r, or unless extenuating
clTcurnstances CXlst whIch are beyond Borrower's control. Borrower shall notify Lender of any cxlenuallng
ClrCUffi<;tances Borrower shall not COmrtul waste or deslroy, damage or substantially change the Property or allow lhe
Property to deterIOrate, reasonable wear and tear excepted. Lender may inspect the Propt.'rty if the Property ]S vacant
or abandoned or the loan is 10 default Lender may take rt.'asonable action to protect and preserve :>uch vacant or
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FO\l$JclB
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60011591 flCE J. 76
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LN# 00222043
abandonrd Property. Borruwer shall also be in default if BUi!OWl:f, during the IOlU1 apphcatlon procc-'5s. gave
mal('rlally false or maccUralc mfonnalion or SI<Uenwnts 10 Lender (Of r...lkd 10 proVIde Lender wllh any malerlal
informallon) in wnnt'clion with Ihe loan {"videnced by lhc NOle. [ncluding, bm nOl hmilt-d 10, rI,'prt"Semallons
concerning BOTTower's or:cupancy of the Propeny as a principal Tl"Slde-nee If (bis Securily lnSlrumcm is on a
leasehold. BOllower ~ha11 comply wIlh lhe provIsions of the lease. Il' Borrower acquires. fee title lO thl' Propeny, Iht:
ka~t'hold and fee till\: sbaH not be mcr!!l'd unless Lender agrees to tht' merger m writing.
6. Condcrnnution. The prm:rt"lh of any award or claIm for damages, dnccl or canst"quenna!, In cont\CCt\Oi\ wah
any wntll'mnnlion or other taking of any par\ of the Propen)', or tor convcyance In place or condemmllmn, are
hefl'by assl,gncd and shall be paid to Lender to the I;xu'm of nil.' full amoum of Ihe mdebtedness thaI rt'mams unpatd
unUtr the NOll' and IhlS Secum)' InstnJment, Lcndr.:r ~hall apply such proceeds 10 t.hl' reductiOn of the indebll'dncss
undl'r the NOlL' and this S.:curny InslrullR'nl, first to any delinquent amountS applied in the ordlT provldl-d m
p:nngraph 3, and then to pH.'payment of prmclpal. Any appllcatlUn of the pIGel'l'lhlO the princIpal shall not extend or
p05\pOne thl' (Itle date of the monthly paymcnts, which arc referred to In paragrnph 1, or change rhe an'lOUJlI of such
paYll1cms Any c:\ccss procced:; ovtr an amount requm'd 10 pay all outslandlrlg indehtedness undeT Ihe NOl{' and lhis
S('curity Ins.lrumcnl shall be pend to th(' ('ntlty kgally emilit'd therelO.
7, Charges 10 Horro.....cr and Prot{'(~lion of J~cnder's Hi~ht5 ill Ihe Properl)'. Borrower ~haU pay all
gov('mmental or Jnunlcipal charges, riflC~ and lmposinons thm arc not includl'd In paragraph 2. Borrower shall pay
rlwsl' Ob!JgllllOns on time dJf('Clly to the t'mity which lS OWl'd lhe r<lyrTlenl If fcJllure 10 pay would adversely af(l."'CI
Lender's inleresl in the Property, upon Lender's tl:quc~l Borrowt'r shall promptly furnish 10 Lender rect:lpts
cVldcnclflg these payments.
lf Borrower follls 10 make these paynlents or rhl.' payments u'qlll(l.'d by paragraph 2, or fails 10 pcrfonn any Oilier
nWt'l\anlS and ;:tgn'L'IlWn1S cont;lined If\ Ihis Sl'Curity Instrument, or there is a kgal plOcccdmg that rnay slgmJicanlly
affoct Lenon's nghls in the Propeny (such a~ <l ploCl'eding in b,JflkruPlCY, tor cnndemnatlon or 10 L'nforce laws or
rt:gu[aclOn..,), tlv.;n Lt:ndcf may do and pay whall'vl'r is n(~n'ssary to protect the value of the Propeny and Lelldcr's
rights In the Ploperty, mcl\.l~hng. paYn1l"m of I:IX('5, hazard in5urallCt' and other ltt'ffiS mentioned in paragraph 2.
Any amounts dlsburSt'd by u:mler \lndU \hlS paragraph shall hecome an addlllonal dt'bl of Borrower and bl'
st'Cured by Ihis Securily InsuunK'OI. 'nU;s.e amounls Shllll bl.'ar mlerest from Ihe dale of disbursement. 31 the Note
raIL', and at Ih(' opllOn of lender, shall be lllllllediau:ly due anu payable,
Borrowf"r sh~]] promplly dlschargt' any hen Wllleh has priority n'>'CT this SL'Cunr)' Instrument unkss BOffowtT
HI) agrl'('s in \Vullng to rhe payment of the obl1garion secured by tht: llcn Ifl a m.1Ill1cr acceprabk to Lender; (b)
con\C5\S In good faith ttle llcn by, or defends ag;t1nsl enforl'l'Jl1ml of the lien ln, kgal procl:L'"umgs whIch In the
Lender's opll\\on Opl'ra\L' 10 pn,'vt'l1\ Ihe entorcement of the 1Ien, or (c) .~t'Cures from the nolue! of the lien an
:lgreetnent s;l1i~faclory to l.....nun subOldinating lhe IIE"n 10 this SeCurity Inslrurnt'nl. If lender uetcrrruncs thaI any pan
of tht' Propeny is subject to a lIen which may attain priority {lVt'r thiS SecurilY Instrument, Lender ffi<'.y gIVe
Bnrff'Wer a nOllee !dCflllfywg lhe hen.. Bmrnwe-r sllall satIsfy the lien or take one or mote of lhe aellons set forth
ahove wlthm 10 days of the givmg of notiCe,
8. Fl'CS. Lender may collect fees and charges ilwhoriu.:d by the Secn:\ary.
9. Grounds for Accelenltion of Debt.
(a) Default. Lender may, t'XCt'pl as Innifrd by regulmlom Issued by the Set:retary, In tht' case or payment
dtfaults, fequin: imnwdWle payment In full of all sums sl'CUred hy thiS SecufllY Instrumenll!:
(I) Borrower dcfauh5 by falling 10 pay in full any monthly payment required by t111S Security Instrument
prior 10 or on the due date of the nexl monthly payment, or
(Il) Borrower defaults by foiling, for a peT/od ot Ihm}' days, to perfonn any olher obligalions conlained
in this Security Inslrument.
(b) &lIe Without Credit Approval. u:ndcr shall, If permiucd by applicable law (mcluding Section 341(d)
of the Gam-Sl. Gcnnalfl Deposllory InStHullOns Act of 1981, 12 U,S,C 1701)-3(d)) and with the pnOr
approval of the Secretary, require Immediate pllymenllfl full of all S.UI11S 5ecured by this Security Instrumeru
if:
ca-4RfPAIISt;04I01
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BooK1591,lGE .t?7
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LN# 00222043 ,
(i) AU or part of the Property, or a bcntliclll.l mlnc:st in a trust owmng all or pan of the ProperlY, IS sold
or otherwise lr<lnsfl'rrcd (other than by devIsc or descent), and
(II) The Property IS not occupied by the purchaser or gramcc as his or her prmclpal Tl'sldcncc, or the
purchaser or gran lee does so occupy the Proprny but his or her credit has lIot been approved in
accordance wilh lhe fl'quUl:mcnts of Ihe Sl'(fClary.
(c) No WaiwT. If circumstances occur Ihsl would pennll Lender to n:qUlrc immediate paymcnl III full, but
Lt'ndcr does not fl'qUIrt: such payments, Lender does not W<IIVl: ItS nghts with respect 10 subsL~uent cvrnts
(d) Rc~ulali(lns of II1JD M'i.TChiQ", In many cm:Ulll..'\tancCs n:gulallOos issued hy the Secretary will limn
Lender's rights, In tht' case of paymmt ddaults, 10 require lI1Ulll'd]31t> paymen! m full and foreclose If not
paid, This Secunly Ins!rullll.:n! does not authmize accch'rallon m forl'Closurt' if not pcnniuOO by rcgulallons
of the Sluelary.
(c) Morll.:.l:lI.:C N"ot Illsun'd, Borrowl'r agrees that If this Secunty Instrument and lhe NOlt' are nOI dell'rmined
10 he ellgihle for imurance under the Nallonal Housmg Act withm 60 days from the dale hereof, Lender
may, at lis OpllOll, require lI11ml"l.llale payment in full of all sums secured by thiS Security Instrulllenl A
Wrllten statement of any auth0rlzed agcnt of the Seul'tary dml'd suhsequcot 10 60 days from the date hl'reof,
dechnmg to msUrl' II1IS SCCllfllY Instrument and the Note, shall be deemed conclusive proof of such
inehglh]lllY, Notwlthstandmg thl' foregOIng, thlS option may not be exercIsed by Lender when lhe
unavailahillty of imllrance IS solely due to Lender's fmlure 10 rcmll a lllongage insurance prl'mlUl1l to the
Sl'crelary
10. Reinslalcmmt. Borrower has a nght to be remstatl'd If Lender has required ]mml,diate payment III full
because of Borrower's failure to pay an amounl due under the Note or thts Securny Inslrument. This right applies
even after fom:losuft: procl'edmgs an' insliluled, To remslate the Sn:uflty Inslrumen!, Borrowl'r shall lender m II
lump sum all amounts reqUIred 10 bring Borrower's account curren! including, 10 the eXll'nt they are obligalions of
llorrowl'r under t111s Secumy Instrument, foreclosure COSIS and reasonabll: anti customary allorneys' fees and e;o;:pensl'S
properly associart'd wllh the forcclosure proccedmg. Upon reinstall'men! by Burrower, tll]S Security Inslrumen! a.lld
the obllgallons lhat it st.'cures shall remain In effect as if Lender had oat required Ilnmediate paymenl III full.
Howevcr, Lender IS nOl fequlft:d 10 pcnlll1 remstalemeOl If: (i) u::nder has accqned rdnstalcmenl after the
comrnencemeOl of foreclosure proceedings wlthm two years inUl1l'diately pn'cl'ding the commencnnen( of a currem
foreclosure proceeding, (II) rcinstalellleOl will preclude foreclosure on diffcrenl grounds In Ihe fumrl" or (]ii)
H'lOstaleTllent will advl'rsdy affect the prionty of the lien cfl'aled by this SecurilY Instrument.
II, Borrower ;-.,'ot Rdcascd; Forhe:lrancl' II} Lender 1\'01 a Waiver. ExtensIOn of the lime of payment or
modlficat]on of amorllzatit)n of the sums secured by ]IIJS SeL'urilY Inslrumenl granted by LAnder to any successor 10
mtcrest of Borrower shall not operate 10 rdease the !labililY of thl' original Borrower or Borrower's sllccessor ;n
illlerest Lender shall 1I0t be required to conunence procl'edmgs <Jgainst any successor in mlerest or refuse 10 e;o;:!Cnd
time for pay men! or otherwisl' modify amunlza!!on of the sums secured by this Seeumy lns(ru~m by rcason of any
demand made by the original Borruwer or Borrower's successors;n interest. Any forbearance by Lender m e;o;:en.:ising
any nght or remedy shall not be a waIver of or preclude Ihe c;o;:crc]~ of any nght or reml-dy.
12, Sucn...><;."urs nnd Assi~ns Hound; Joint and Sewnll Liability; Co-Signers. The coven3ms and agreements
of tillS Secunty Instrumr.:m shall bind and beneHI tilt: successors and aSSIgns of Lender and Borrower, subject to lhe
prOVIsions of paragraph 9(b). Borrower's covenants and agm:mcnts shall be Joint and several. Any Borrower who
co-signs this SeCUrity Instrument but does nOI exccute Ihe Note: (a) ]s co-signing Ih]s Security lnslrument only to
mortgage, grallt anti convey that Borrower's interest ltlthe Property under the terms of this Sl'Curity Instrumenl, (b)
IS nol personally obligaled 10 pay the sums secured by Ihis Set:urity Instrument; and (c) agrees that Lender and any
olher Borrower may agree 10 extend, modlfy, forbear or make any accorrunodalions with regard to the terms of th]S
Security Instrument or Ihe Note WIthout thai Borrower's consent,
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Bood591 PAG{ .178
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LN# 00222043
lJ. Noticcs. Any nOllce 10 Borrower Inovidcd tor In thiS Sl'CurilY Instrument shall be given by delivenng II or
by m:lltmg II by first class ffi.1il unless applicable Jaw rcquin.'5 use of another method. Thl: notice shall be dm:cled 10
the Propcny Address or :my Olher address Borrower designates hy nmice 10 Lender Any notICe 10 Lender shall be
given by first class mail 10 Lender's address staled herein or any address Lender designates by notice to Borrower.
Any notice provided for in this Security Instrument shall be dCl'mcd 10 have bcen given 10 Borrower or Lender when
gIven as provHJcd In this paragraph.
14. Go\'crning Law; ~\'('rl.lbility. This Secunty !nslruoll:nl shall be govt:rned by Federal law and lhe law of
the jUrISdiction in which the Propcny is locau:d. In lhe cvcnllhal any provision or clause of thIS Security Instrument
or the Nole conlllcts wllh applicable law, such connlCl shall nol afh:ct other provj~ions of this St'Cunly Instrumenl or
the Note which can be gIven cHen wllhoul Ihe conl1icllng proVIsion To thlS cnd Ihe provisions of this SecurilY
lnslrumcnt and the Note arc declared 10 he severable.
15, Borrower's Copy. Borrower shall he given one conformed copy of Ihe Note and of thiS Sl'Cunty
Inslrument.
16. lJui'..ardolJs Substances. Burrower shall nOl cause or pc:rrtlllthr presence, use, disposal. storage, or release
of any Hazardous Substances on or 111 the Propeny. Borrower shall nOI do, nor allow anyone else 10 do, anYlhll1g
afkcting the Propeny rhal is 111 VIOlatIOn of any Emironmenlal La\\-. The prccedll1g 1.....0 sentences shall not apply to
lhe prrscncc, U!.e, or slorage on lhe Propeny of small quantllies of Ha:z.ardous Substances lhat are generally
recognlzl'd to hr nppropriale 10 normal re.sidcnllal uses and 10 mall1lrnancr of the Propeny.
Borrower shall promplly give Lender vo'rlllen nollee of any il1\TSllgallon, claim, demand. lawsuit or other aCllon
hy any governmcnta] or regulatory <lgency or pnva1e pany mvolving the Propeny and any Hazardous Substance or
Emilronmenla] Law at' which Borrower has at:tual knowledge II Borrower karns, or is nOli lied hy any governmental
or regulatory :\uthoTllY, rhat any removal or other remcdiation of any Haz.ardous Sunstances <lffl'Cung liIe Propeny IS
nelL'ssary. Borrower snail promplly lake all nl\:essar)' remedial <!CtlOns 111 accordant!;: wnh EnVironmental Law.
As used 10 this pmagraph 16, "Haz.."lrdous Sunstances" are those suhstances defined as IOxic or hazardous
~uh~lanCt.s by Environmental law and thr following substances: gasoline. kerosene, other llammahlt: or loxic
pelrolcum products. tmul' pestICides and herbicides, volalllc solvents, materials contall1ing asbestos or formaldehyde,
:md rHl.hoacllvt'mallTials. As used In lhis paragraph 16, "Envlronment<ll Law" means federal laws and laws of the
jUTlsdiction where the Property IS located thai relate 10 h('a1lh, safelY or envlronment<ll protection.
i\ON-t)NlfORM COVENANTS. HDrruwer and Lender furtht'r covmanl and agree as follows:
17. Assignlllt'1l1 of "-cnls. Borrower uncondltlOnally <lssigm and transfers to lender aJllhe renlS and revenucs
of rhe ProperlY. BllrrOWer authnTlzes Lender or Lender's agents to collect Ihe rents and revenues and hereby dHeC!s
each lmanl of lhe Propeny to pay Ihe rents to l1::nder or lender's <lgenls. However, pTlor 10 Lender's notice to
Borruwer 01 BOTTowt:r's hreach of any covenant or agrel'lTIenl 111 lhe SeCUTlly Instrument, Borrower shall collt..'C1 and
receive all rcnlS :md re~"Cnucs of the Propeny as trUSll.~ for the benefil of l1::nder and Borrower This a.%lgnmenl of
rents cnnsl1lutes an ahsolUle assignment and nOI an as~ignmenl for addiuonal securi1y only.
]f Lender gives nollCe of hn:ach to Borrower. (a) all rents rect'jved hy Borrower shall he held hy Borrower as
trustee for henefit of Lender only. 10 be applied !O Ihe sums securt:d by Ihe SeCUflty Instrument. (b) Lender shall be
entitled to collect and reCClve all of the rents of the Property; and (c) each tenant of lhe Propeny shall pay all rents
due and unpmd 10 l1::nder or lender's agent on under's wriuen demand to the tenam.
Borrower has not execuled any poor assignment of Ihe rents and has not and Will nOI perform any aCI that would
prevent Lender from exercismg lIS nghls under thIS paragraph 17.
Lender ~hall nol be required 10 eOler upon, take comrol of or m31l1tall1the Propeny before or aller giVlOg notIce
of breach 10 Borrower. However. Lender or a JudICially appoinled rrceiver may do so at any Ilmc there is a hreach.
Any appltcallon of renls shall not cure or wal\'e any dcfauh or invalidate any other righl or remedy of Lender. ThIs
asslgnmenl of rents of the Property shalllcrmmate when Ihe dehl secured by the Securily Instrument IS paId in full
cQ-4RlPAI19(;04l01
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Bood591,1G( .179
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IN# 00222043
18. FOl'("(:losurc Pro('t>dUrt. Ir L<<:nckr requirl.'.S immt'diMe pa)'ment io full under partlgrllph 9, Lendt'r may
fOrL""lose this Sl"l'urily Inslrllmen! by judidal proret'ding. L~:l\dfl" ~hall be ('ntilled to l'oflecl 011 expenses
iot'urn-d in pursuing the rl1Twdics prm'ided in Ihis pnragruph 18, induding, but not limited to, nllomeys' fees
and (osts of title t'\'idcntt.
If the l.l'n<kr's intttl'St in this Sl'l'urilY InslrUfIll'n1 is hdd b}' the St'Cretary and tbt ~rflaT)' requires
imnlt'dialc paymenl in rull under Paragraph 9. I he Sl'tTl'tary Inay inmke the nonjudicial POWfl' of sale
provided in the Single Fnmil)" l\'fortg.lge f'on--closurc AN of 19!14 ("Act") (12 V.S.C. 375] er seq.) by requesting
a fnn-closun: l'OImnissioner dc~;igna(l-d umkr ,he Ad to rflnUnt'n('(' rort'Closurc and 10 sell the Properly as
provided in tht' Ad. NHlbing in tht pn'(:cding M:n(cm:~ shall dt'prin the St.'('n.'tary of any ri/::hl5 olher-wise
u\'ailllhll' to a Lendl'r under Ihis Paragraph IS or applil.:ab!c law.'
19, Rckas~. Upon payment of all sums seeureu by this Security InSlrt.lmCnl, this Secumy Insnument and the
cslatC' conveyed shaH lel"mm<l\l: and bl'eume void. After slleh oecurrenct', Lender shall discharge and S211sfy ltll~
Security Inslrumcnl Wilhout charge ~o Bonower, Borrower shall pay any recoruallon costs.
20. Wah'crs, Borrower, 10 (he extent penn!Hcd hy appllcilblc law, waIves and releases any error or defeels In
proceedings 10 cnfOH:t' IhlS Secumy Inslrument, and hereby wO\\\,cs Ihe henl'fl1 of any present or fulure laws provaJing
for S1<Iy of t:JlceU!lon, exlenSl(Jn of lime, exempllon from allachmenL levy and sale, and homesleaJ l'xemption.
21. J{l.'ins\<ltl'lfll'lJl Period, Borrower's tlml' l() relnslale provided In paragraph to shall O,lend to one hour
prior 10 the wmmenct:ment of hlllding al a sheriffs sale or olher sale pUrSUOlnllO lhi~ Sr:eurity Instrument.
22. PUrl'hUSl' MOlll'}' .'\-forlgagc, If any of [hr: tlebt $~curcd hy It\\$ Sccurily Inslrumenl IS lent 10 Borrower 10
:l.Clluirl' IIIIc 10 Ihe Proprny, this SecurilY Instrunli:nl shall be a purchase money mortgage.
23. Interest Ratl' Afll'r Judgmenl. Borrower <lgfCtS Ihal1h(' il1lt'rCSI f:lle paY:lbk after:l Judgment is entered
on lhc NOle Of In an aClion of mortgagl' foreclosure shall he \h~ ratc payable fwmlimc lO limc under Ihe Nole
24. Riders 10 Ibis St....Urlly Jnslrumcnt. If one or more TIllers a(c e;o;et:\ltcu hy BOJrower and recorded together
wllh IhlS Serum)' Instrument. lhl' COVl'nants of each such rjder sh;'llJ be incorp<.)fl\\eJ m\o and shall amend and
supplemen\ the cO\'l.:nants and agreemenls of IhlS Sl'rUrJlY Inslrument as Jt' lhe ndcr(s) were.. p..rt of this St.'l'unly
Instrument. lChcck applica\'l\c \)OJ.(cs)).
o Condominium Rtdcr
o Planned Unll DevcJopmclll Ridcr
o GrowlOg Equil)' Rider
o GratlUalcd Paymcfll Rider
[XJ Olher (speCify}
legal Oescnpt lon
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.
LN# 00222043
BY SIGNING BELOW. Borrowcr accepts and agrees Hl \h~ terms con\amrd In thiS Security Instrument and 10
<my noer(s) executed by Borrower and recordt"d with II.
Wmwsses"
known 10 me (or smisfaclonly pr~o be
person .....hose name u..o subs.cnbed \0 the wnhm Instrument and acknowleused thai h~
cxecutt.>d the same for lhe purposes herem contamed.
IN Wl1NESS WHEREOF, J he-rCUnlo set my hand and ornc~ID se~Lr6
My Comnusslon ExpIres . . 11 ~ lR.
. UA 0
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CerlifiC3te or Re<;jekuct'
I. Jo.me;; 1). r=loUjt( J<.
the wilhin.n.Ullt'd u:odeT IS 523 Fe 110wshlD Rd.
7th
Wilnt'~~ my hand this
day of
co~n10"'WF.A. L TIJ OF l'Er-.-!'iSYL VANIA.
On ,h". rJ ih d,," oUC\Y1.u..ClJu.x
personallyappearl'd N1Cole l..L~t-l~la U
NOTARIAL SUl.
-meA L UJl!Y. ~'Y P\l~
Southampton Twp., Cumbol"kmd Ccl. PA
My Cornm11,l;Ion Upire1 A...g. 17,2002
Q-4RIPA) r9~41 01
.
~k #,'ML,.1 &
N1cole L. Letlzla /(
(SeID)
.Bmrnwer
_(Seal)
-&nrruwer
(Seal)
(Seal)
.B~'n\w;tr
(St'(Il)
(Seal)
.!lnrrow('(
(Seal)
_~_~__~\Seal)
-Bi\'''lWer
, do hl'n:by certify lhm [he coneel "ddress ot"
Mt. Laurel.. NJ 08054
JanU(lry
2000
~:Jc
Agtnl of LcI1<l~r
County ss:
. ;;l000
, before me, the underSIgned officer.
PO\le8018
BOid59111GE j81
.
.
DESCRIPTION OF REAL ESTATE
ALL THAT CERTAIN tract of land situate in the 5th ward of the Borough of
Carlisle, Cumberland County, Pennsylvania, bounded and described as follows:
BEGINNING at a point 78.00 feet from the northeastern corner of Franklin and
"G" Streets at the dividing line of Lots 1 and 2 as shown on the hereinafter Plan of Lots;
thence along Franklin Street, South 15 degrees 39 minutes 58 seconds West, a distance
of 78.00 feet to a point at "G" Street; thence along "G" Street, South 74 degrees 20
minutes 02 seconds East, a distance of 100.00 feet to a point at lands now or formerly of
Jeffrey D. Hubert, et ux; thence along said lands, North 15 degrees 39 minutes 58
seconds East, a distance of 78.00 feet to a point at the dividing hnes between Lots 1 and
2 at the hereinafter mentioned Plan of Lots; thence along said dividing line, North 74
degrees 20 minutes 02 seconds West, a distance of 100.00 feet to a pOint, the Place of
BEGINNING.
BEING Lot No 1 on a Final Minor Subdivision Plan of the Dennis E. Yeingst
property dated July 9, 1999 and recorded in the Recorder of Deeds Office, Cumberland
County, Pennsylvania, August 25,1999, In Plan Book 79, Page 94.
BEING the same premises which Dons L. Yeingst, single person and Dennis E.
Yeingst, Trustee, in Trust for the benefit of Abigail E. Yeingst and Logan G. Yeingst,
minors, by Deed dated January 7, 2000 and recorded Simultaneously hereWith, in the
Office of the Recorder of Deeds, in and for Cumberland County, in Deed Book ,
Page __, granted and conveyed unto Nicole L. Letizia, Mortgagor herien
Bood591 fAGE .182
.
.
ADJUSTABLE RATE RlDER
LN# 00222043
fHI\C'5t NIl -I
441-618055~
TillS ADJUSTABLE RATE RlDER IS made: this 7th day Q( <January
2000 ,and IS inrorporalcl.l inlo and sh<lll be dCt'med 10 amend and supplcmc~\ me Mongagc.
Deed of Trust or Secunty Deed ("Security Inslrumcm") uf the same dale given by the undctsi~l\cl.l
("Borrower") to st'Curc BarTower's NOlr ("NOlC") 10 EQUl ty One. Incorporated. a
Pennsylvanla Corporatlon
(the "Lender") of the same datt: ami '(WeTlllg Ihl.: f'wpnly lh:stnbcll m the St'curil)' Inslrumcnl and locmcd
al:
110] FranklIn Street.CarllslePA 17013
fPrupeny Addrt~sl
1HE NOTE CONTAINS PROVISIONS AllOWING FOR CHANGES IN THE
INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE
AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE
TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY,
ADDITIONAL COVEI\'A!\TS, In ;lddtlion to the covenants and 3grt'eJnenls made In the Securny
In~trument, Borrower and Lender further (ovcnanl and agn..'t: as. follows.:
lJ','"T"EREST RATE AND :\10NTH1,Y PA)(~1ENT CHANGES
tA) Chungc Date
The inlt'rcsl r\l.lt' may change on the lirst day of _Apn 1 2001, and Oll
thaI day ot' t',lCh S.U(Ctt:olng year "Changc Dale" means cach oate on Whll;h lhc IlllCrest ralc could change.
(ll) The Index
Beg1l1r:ing \Vllh the nrH Cl'tanl1c Date, me imen:s; rate wlil be ba.~ed on an Irldcx "Index" means the
weekly average Yldd on UnJled SlatCS TrGl.';ury Set:uriucs "dJus1.cd \0 a constant malUrJlY of one year, as
made avaIlable by lhe federal Rcsl.:(ve Board. "Current Index" means the moS.1 n;cent Index figure
avaIlable 30 days before the Change DatI,;. If lhe Index (as definl-d abOVe) IS no long.er a\'i..llabh:, Lender
w,\luse as a new Judex any index prescnbed by the Secretary As USt'd in lhis Rider, "Secretary means the
Secretary of Housmg and Urban Dcvdopmenl or his or her deslgnee.~ Lender WIll gl\'e Borrower nOllce
of the new Inde"',
FIlA ~lultbl11le ARM Ridfr. 10/95
~~591U (9705,
p~gellJl of 3 MW 05197
VMP MQ'i\IGAGE FORMS
Il"1ihil'S_~
. ~800l521.7291
\\11111111111111111111111111\1111\
eod5e1f~ .183
.
.
.
(C) C:Jlculnlion of 'nhnst Rule Chunges
Before cach Cnangc Dale, Lender w]ll calcuJ31c II new Jm~rcs( rale by adding a margm of
Two and Three I Quarters percemagc pmm(s)
( 2.7500 %) to the Current Index and rmlndlng lhe sUm 10 Ihe nc.HeSI one-eIghth of one
percentage point {O 125%). Subject 10 the I1mils st.1!ed in paragraph {OJ of this Rider. Ihis rounded
amount will be (he new imcres\ falC \lnl.illhe next Change Date.
(I)) Limits OJ) Interest Rale Chunges
The cxisling intt:resl nile WIll never tnuca.~e or dcr.:rl:as.c by mm~ than one perlTn\Olge pollll (l.O%) on
any smgle Change Dale. The altereSl rale wdJ I1CVt:T he more than live peTecnlagl' palllls (:5 0%) higher or
lowr;r Ihan the inllla! interest ralC, as staled In Paragrilph 2 of the NOle
tE) CulcuJalJon or Pa)'mcnl Chllngc
If lhe tnleres! rate: chall~,c:s on a Changt: Datt:, Lender wJ!1 cakulate lhl: amount of nJomhly payment
of pr\l\CiP:l! :md mtere!'.t which would be nn::essary 10 repay the unp<lld principal halance In full at the
MmurilY Dale al lhe nt'w lntc:rt:SI rate through substantially l'qual paYlnents. In making such calculation,
Lender Will use the unp.<ud princtpal halance whlc.h \I.'oold be O\\'ed on Ihe Change Date If there had been
no dcfauh 10 payment on Ihe Note, reduced oy the amount of any pn:paymenls 10 pnncipal. The resuli of
thiS calculation Will be: the amount of tht: new monthly payment of pnnClpal and tnv.:r(;sl.
If) Kofice of Cbunges
Lender WIll give nallcc to norrowt:r of any chang" In Ihe Interest nile and monthly payment amount.
11\e lImice must be given 31 \loasl 25 days before the nelv mOnlhly p3)'melll amounl IS due, and must set
fonh (I) the dale of Ihe nemee, (Ii) the Change: f)3Ie, (IIi) Ihe old lI1ten:st rail', (iv) the new inte:resl rau.', (v)
Ihe new monthly payment amoUl\l, ~Vl) the CUm:m Indn ,md Ihe dale II was puhllsh(.'d. (VII) Ihe method of
cakulatmg the l:hange: in monthly payment amount, and (VlIl) any olher mformatlOn which may be
rt:qulTl.:d by law from time 10 time.
(G) Errl'('"tj\'C D3le of Change>
A new intt'resl. rate calculated in accordance wilh paragraphs (C) and (D) of Ihis Rider will heemuc
effecll\'c 01\ the Change Dalt. Borruwer shall make a payment JIl thc new monlhly amount hegmnmg on
the first paYll1em dale whIch occurs al leaSI 25 days after Lender has gi\'en Borrower the net ice of changes
requtred hy paragraph (F) of thiS Rider Borrower ~hal( have no obligation 10 pay any lIlcr(.'ase In Ihe
monthly paymmt .1Inount calculated in aClordance with paragraph (E) of IhlS Rider for any payment date
occurring less than 25 days alkr Lender has given the required nOllee. If the mOnlhly payment amount
calculated HI accordam;:t; wnh paragraph (E) of thiS Rider decreased, hut Lender failed to gl\le limely nOlice
of Ihe decrease and Borrower made any monthly payment amOLl/lIS exc(.'eding the paymrnl amount whIch
should have heen Slated in a timely nolice, then Borrower has the o~lon lQ nlher (I) dem:md the return to
Borrower of any excess payment, WIth imen:sl thereon at Ihe NOle rllle (a (ale equal to Ute imeresl rale
whIch should have been Slated In a tllndy oOlice), or (Il) requcsI Ihal any excess paymer'll, wllh lIltereSI
therc<1n al. Ihe Noll:' [ale, be apphed as paymtnl of pnm:tpal. Lender's ohligation 10 relurn any excess
payment with interest on demand is not assignable even if the Note is olherwlsc a~slgned before !.he
demand for retUrn is made. ,\\ I
lnl!lals;~
4Q.591U(97051
$
Page 2 of J
80ud5911AGE .184
.
.
BY SJGN1NG BELOW, Borrower acccpls and a~rces \0 the terms and covcn.:mts CQnt,unt'O 1Il thIS
Adjustabk Rate Rider.
(Seal)
-Bormwn
~~~_(scal)
r~lcole L Let12la -!lOITOWtl
(Selll)
__ ___ (Seal)
-Borrower
-U('fI"UWt.
(Seal)
lSeal)
-HuuO"'tr
il"rro"'et
(Scal)
_~ISeal)
-Bon(lwn
-Borrower
C.591U (970S1
.
Page:1 oj:3
BOod591/AGE.185
Sl21e of Pennsy!varlla 1 86
COUf\'V 01 Cumberland D d
ReCDrded l~he office tor the tecordlng of ee s
^'~(Id berland County. fta, JJ.
E:... B ~v l_Pa ew.::f
In . ~ \ f 0- C 01'
Wltl'l!:oS V han ~ 0
Cadl!.\e. PA trns day
~
VERIFICATION
Cindy A. Smith , Assistant Secretary, and duly authorized representative of Plaintiff,
deposes and says subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn
falsification to authorities that the facts set forth in the foregoing Complaint are true rrect
to his information and belief
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01504 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE HOME FINANCE LLC ET AL
VS
LETIZIA NICOLE L
GERALD WORTHINGTON
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
LETIZIA NICOLE
t e
DEFENDANT
, at 1145:00 HOURS, on the 28th day of March
, 2005
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
by handing to
NICOLE LETIZIA
a true and attested copy of COMPLAINT - MORT FORE
togethe with
and at the same time directing Her attention to the contents hereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
.00
.00
10.00
.00
28.00
So Answers:
--,?'i:::~';"' ....~ /~'.
.:,.P'"' .J.;""':;'-""'A.?~,::>.t.::~~",- ~~~-P
'I ,<Y.....;...o;'/ ""/
R. Thomas Kline
03/28/2005
GRENEN & BIRSIC
Sworn and Subscribed to before By:
me
of
A.D.
.~~
i'
..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE HOME FINANCE, LLC, s/b/m/t
Chase Manhattan Mortgage Corporation,
NO.: 05-1504 Civil
Plaintiff,
vs.
ISSUE NUMBER:
NICOLE L. LETIZIA,
TYPE OF PLEADING:
Defendant.
PRAECIPE FOR DEFAULT JUDGMENT
(Mortgage Foreclosure)
FILED ON BEHALF OF PLAINTIFF:
I hereby certify that the
address of Plaintiff is:
Chase Home Finance, LLC, s/b/m/t Chase
Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219
COUNSEL OF RECORD FOR THIS
PARTY:
the last known address of
Defendant is:
Kristine M. Anthou, Esquire
Pa. I.D.#77991
1101 Franklin Street
Carlisle, P A 17013
GRENEN & BIRSIC, P.C.
One Gateway Center
9 West
Pittsburgh, P A 15222
(412) 281-7650
GRENEN & BIRSIC, P.C.
J ~ JL i il ~({{ / i'lct_.
Attorneys for Plaintiff
,"
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE HOME FINANCE, LLC, s/b/mlt
Chase Manhattan Mortgage Corporation,
NO.: 05-1504 Civil
Plaintiff,
vs.
NICOLE L. LETIZIA,
Defendant.
PRAECIPE FOR DEFAULT JUDGMENT
TO: PROTHONOTARY
SIR: Please enter a default judgment in the above-captioned case in favor of Plaintiff and
against Defendant, Nicole Letizia, in the amount of$74,868.81, which is itemized as follows:
Principal
Interest to 5/3/05
Late Charges to 5/3/05
Escrow Deficiency to 5/3/05
Corporate Advances
Attorneys' fees
Title Search, Foreclosure and
Execution Costs
$67,799.20
$ 1,856.68
$ 128.21
$ 1,266.09
$ 68.63
$ 1,250.00
$ 2.500.00
TOTAL
$74,868.81
with interest on the principal sum at the rate of$IO.22 per diem from May 3,2005, and additional
late charges, additional reasonable and actually incurred attorneys' fees, plus costs (including
increases in escrow deficiency) and for foreclosure and sale of the mortgaged premises.
GRENEN & BIRSIC, P.c.
BY: ~,1 ~/uU( l. ,eJ1UU<-A (It {~L
Kristine M. Anthou, Esquire
Attorneys for Plaintiff
AFFIDAVIT OF NON-MILITARY SERVICE
AND CERTIFICATE OF MAILING OF NOTICE OF
INTENT TO TAKE DEFAULT JUDGMENT
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF ALLEGHENY )
Before me, the undersigned authority, a Notary Public in and for said County and
Commonwealth, personally appeared Kristine M. Anthou, Esquire, attorney for and authorized
representative of Plaintiff who, being duly sworn according to law, deposes and says that the
Defendant is not in the military service of the United States of America to the best of her knowledge,
information and belief and certifies that the Notice of Intent to take Default Judgment was mailed
in accordance with Pa. R.C.P. 237.1, as evidenced by the attached copy.
J1"J.I "JL ( /-:-ilC~ C.,{j,-"
'( ~ (
Sworn to and subscribed before me
? cI 'Il./ ..
this :J day of f r (eLi
,
--") t
,2005.
'1;l.Xa"(
Notary Publici
/"-", .
If tL" ( &cl"-
(I
C~J~v1MONWEt\L H1 OF PENNSYlVAN!.-,
! Notarial Seal
~ ~-- G. Blazina. Notary p;' ::
.~ .:burgh, Alleghen:" (:
_,;;:,jon Ex!:,ires ,J __
,
. tit
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
.
CHASE HOME FINANCE, LLC, s/b/m/t
Chase Manhattan Mortgage Corporation,
Defendant.
) CIVIL DIVISION
)
)
) NO.: 05-1504 Civil
)
)
)
)
)
)
Plaintiff ,
vs.
NICOLE L. LETIZIA,
TO: Nicole L. Letizia
1101 Franklin Street
Carlisle, PA 17013
DATE OF NOTICE: April 19, 2005
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITIENAPPEARANCE
PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR
OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS
FROM THE DATE OFTHIS NOTICE, AJUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A
HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A
" LAWYER, 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.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
Phone (800)990-9108
GRENEN & BIRSIC, P.C.
By:
~.U-~~<-
Attorneys for Plaintiff
One Gateway Center, Nine West
Pittsburgh, PA 15222
(412) 281-7650
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--------
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE HOME FINANCE, LLC, s/b/mlt
Chase Manhattan Mortgage Corporation,
NO.: 05-1504 Civil
Plaintiff,
vs.
NICOLE L. LETIZIA,
Defendant.
NOTICE OF ORDER. DECREE OR JUDGMENT
TO: Nicole L. Letizia
1101 Franklin Street
Carlisle, PA 17013
( ) Plaintiff
(XXX) Defendant
( ) Additional Defendant
You are hereby notified that an Order, Decree or Judgment was entered
in the above captioned proceeding on J: / s: !OS
( ) A copy ofthe Order or Decree is enclosed,
or
(XXX) The judgment is as follows: $74,868.81
with interest on the principal sum at the rate of$IO.22 per diem from May 3,2005, and additional
late charges, additional reasonable and actually incurred attorneys' fees, plus costs (including
increases in escrow deficiency) and for foreclosure and sale ofthe mortgaged premises.
,---0~P .01;012/2<71..r-
Deputy