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14-3477
Supreme Court-of Pennsylvania : A-0 Cou C m" Pleas - :_- �fo.tpot?'ioinfd'� 'Ls`s0'` 'i%i-; 7 : w " r rV: .het - i - - - ''2 t `D l<efi-' o - : A..: I C - h.. •��% Un C - The information collected on this fonw is used solely fir cout7 administration pnipmes. This form dors not supplement or i eplac e the filing and sen'ice.of pleadings or other papers as required by low or rules of co7n•1. ` R.E.". Commencement of Action:: I! a=�U- ®Complaint ❑ kY°- fig!.- Writ of Summons ❑Petition ❑Transfer from Another Jurisdiction ❑Declaration of Takia Lead Plaintiff's Name: Lead Defendant's Name: RM:_ Nationstar Mortgage LLC f/k/a Centex Home Paula J.Snavely a/k/a Paula Snavely,et al „—E, Equity Company,LLC ��_-5pc Dollar Amount Requested: within arbitration limits _.;ri� Are money damages requested? ❑Yes ®No t;,y,• ^. ebeck one ❑outside arbitration limits 14 E=,. - _. i H... Is this a Class Action Suit? El Yes ®No Is this an MDJAppeaP El Yes ®No Name of Plaintiff/Appellant's Attorney:Robert W.Williams.Esquire c5�r�'xi,r'tel ' `- ❑Check here if you have no attorney(are a Self-Represented jPo Sel Litigant) ` r Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRb ARY CASK If you are making more than one type of claim check the one that mss'rv; you consider most important. lit..=3:_;•��_� TORT do not include Mass Tort CONTRACT do not include ud ents CIVIL.APPEALS ) ( .i sat ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies Nr _ s- rii r= = ❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment "`i' _'' ❑ Motor Vehicle sa El Debt Collection Other El Board of Elections F-`=�===�'•s; ❑ Nuisance El Premises Liability [IDept.of Transportation et_ry y: "r =ri''•� ❑ Product Liability(does not include ❑ Statutory Appeal:Other mass torr) ElEmployment Dispute: •=Yrx ❑ Slander/Libel/Defamation Discrimination 4 ❑ Other: sis mt ❑ Employment Dispute:Other [I Zoning Board E. Other. 4R Mifl r MASS TORT ❑ other PEN ❑.Asbestos zs_, _; ` E] Tobacco . ;=' ED Toxic Tort-DES ' REAL PROPERTY MISCELLANEOUS � ; uns,r_ ❑ Toxic Tort-Implant . = -si ❑ Ejectment ❑ Common Law/Statutory❑ Toxic Waste n't°ry Arbitration ❑ Other. El Eminent Domain/Condemnation ElDeclaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute Non-Domestic Relations ® Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLLITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto R=__ ❑ Dental Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other. '_: ^. i ❑ Medical ❑ Otber y;�`a�-_ ❑ Other Professional: - t�aL�ro�`ii• ' - f MILSTEAD&ASSOCIATES, LLC BY: Robert W. Williams,Esquire zU,1,.jr, ID No. 31.5501 PE[ "S i NO COIJt+,, 1 E..Stow Road ya P��h Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File: 9.30268 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS j Home Equity Company,LLC CUMBERLAND COUNTY 350 Highland Drive ' Lewisville,TX 75067, Plaintiff, No.. 0 3 / Vs. CIVIL ACTION MORTGAGE Paula J. Snavely a/k/a Paula Snavely FORECLOSURE 1612 3rd St Enola,PA 17025, and Charles J. Snavely a/k/a Charles Snavely 1612 3rd St Enola, PA 17025, Defendants POPS l E C 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 (20Y 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 i claims set forth against you. You are warned that if you fail to do so the case may i. proceed without.you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or, for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. i YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT j HAVE A LAWYER, TELEPHONE,THE OFFICE SET FORTH BELOW TO FIN_D OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle,PA 17013 717-249-3166 l; P NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT i i 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. _ i i k r i MILSTEAD&ASSOCIATES,LLC BY: Robert W. Williams,Esquire ID No. 3155-01 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff i Nationstar Mortgage LLC f/k/a Centex, COURT OF COMMON PLEAS Home Equity Company,LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville,TX 75067; Plaintiff., No.: Vs. i CIVIL ACTION MORTGAGE FORECLOSURE Paula J. Snavely a/k/a Paula Snavely 1612 3rd St Enola,PA 17025, and Charles J. Snavely a/k/a Charles Snavely 1612 3rd Si Enola,PA 17025, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff,Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the 1 "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive,Lewisville,TX 75067. 2. Defendants, Paula J. Snavely a/k/a Paula Snavely and Charles J. Snavely a/k/a Charles Snavely, (collectively,the"Defendants"), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated April 5, 2000,recorded April 14,2000 in Deed Book 219,Page 415. The Deed is attached hereto as Exhibit"A" and made a part hereof. i 3. Defendant Paula J. Snavely a/k/a Paula Snavely,upon information and belief,resides at 1612 3rd St, Enola,PA 17025. Defendant Charles J. Snavely.a/k/a Charles Snavely,upon information and belief, resides at 1612 3rd St,Enola,PA 17025.. 4. On May 14,2004,in consideration of a loan in the principal amount of$153,000.00, Defendants Paula J. Snavely and Charles J. Snavely executed and delivered to Centex Home Equity Company, LLC a note (the"Note")with interest thereon at 6.550 percent per annum, payable as to the principal and interest in equal monthly installments of$972.11 commencing July 1, 2004. The Note is attached hereto as Exhibit"B" and made a part hereof. 5. A.Loan Modification Agreement was made on or about March 10, 2008 between Defendants Paula Snavely and Charles Snavely (the`Borrower")and Nationstar Mortgage LLC (the"Lender")to increase the unpaid principal balance due on the Note to $147,625.29, consisting of the amount(s) loaned to Borrower by the Lender which may include, but not limited to, any past due priricipal payments, interest, fees and/or costs capitalized. The current interest rate is 6.5500. The Loan Modification Agreement is attached hereto as Exhibit"C"and made a part hereof i 6. A second Loan Modification Agreement was made on or about March 11, 2013 between Defendants Paula Snavely and Charles Snavely (the`Borrower") and Nationstar Mortgage LLC (the"Lender")to increase the unpaid principal balance due on the Note to $171,086.44, consisting of the amount(s) loaned to Borrower by the Lender which may include,but not limited to,any past due principal payments, interest,fees and/or.costs capitalized. The current interest rate is 3.911. The Loan Modification Agreement is attached hereto as Exhibit;W and made a part hereof I 7. To secure the obligations under the Note,the Defendants executed and delivered to I, Centex Home Equity Company, LLC a mortgage(the"Mortgage") dated May 14, 2004, I recorded on May 19,2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1866,Page 1342. The Mortgage is attached hereto as Exhibit"E"and made a part hereof-. I 8. The Mortgage secures the following real property(the"Mortgaged Premises"): 2105 Valley St, Enoia,PA 17025. A legal description of the Mortgaged Premises is attached hereto as Exhibit"F"and made a part hereof.. 9. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due August 1;2013, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges,escrow deficit(if any) and costs of collection including title search fees and reasonable attorney's fees. 10. The following amounts are due on the Mortgage and Note: Principal Balance ....................................$171,086.44 Accrued but Unpaid Interest from 7/1/13 to 5/8/14............................................$5,704.32 Accrued:Late Charges ........................................$0,00 Corporate Advance...........................................$93.30 Escrow Advance..........................................$3,.067.99 - Forbearance .......................................................$1.40 Insufficient Funds Charges...............................$55.00 TOTAL as of 05/08/2014........................$180,005.65 Plus,:the following amounts accrued after May 8,2014: Interest at the Rate of 3.911 percent per annum($18.33 per diem); Late Charges per month if-applicable. j r c i I 1. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c)of the 1983 Session of i i the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to, i. the Defendants at 2105 Valley St,Enola,PA 17025 as well as to address of residences as listed in paragraph 3 of this document on September 30, 2013,the notice pursuant to § 403-C of Act j 91, and the applicable time periods therein have expired. The Act Notices are attached hereto-as i i Exhibit"G" and made a part hereof. WHEREFORE,Plaintiff demands an in rem judgment against the Defendants for , foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $180,005.65, plus the following amounts accruing after May 8,2014,to the date of judgment: (a)interest of$18.33 per day,(b) late charges per month if applicable, (c)plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees i (if any)hereafter incurred, (e)and costs of suit. neiobkk AD &ASSO IATES,LLC Date: W. Williams,Esquire Atto y for Plaintiff II - l VERIFICATION Trey Cook ,hereby states that he/she is Assistant Secretary of Nationstar Mortgage LLC, Servicing Agent for Plaintiff,-Plaintiff in this matter,that he/she is j authorized to make this Verification,and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec.4904 relating to uification to authorities. Name: Trey Cook Title: Assistant Secretary DATE: 6/2/2014 File 4: 9.30268 Name: Paula J. Snavely a/k/a Paula Snavely and Charles J. Snavely a/k/a Charles Snavely . - 4 r i 1 . 4 i f i f - I i I . �i PARCEL#: 09 1; 0997 00M CORRECTM DEED MADE THE 151Hday of April.In the year of our Lord Two Thousand 0= Cn � r I ri BETWEEN CHARLES J.SNAVELY AND PAULA J.SNAVE LY.hutband and-wife, of Cumberland County,Pennsyivanla,hereinafter � (Grantors SR. and CHARLES J.SNAVELYMND PARA J.SNAVI3Y,husband and wife, ?'m` CJ+, Cumberland County, Pennsytvanla hereinafter e, ~N a (Grantees) y WITNIMSETH,that In consideration of One Dollar and 00/101) ($1.00)In hand paid, the recelpt whereof Is hereby acknowledged,the said grantors dohereby grant and convey to the sold grantees,fieir heirs and assigns as tenants by the entiretles. ALL THAT CERTAIN piece at parcel of land situate In East Pennsboro Township, ,.- Cumberland County,Pennsylvanla,bounded and described as follows,to wit: . BEGINNING at an Iran pint In the center of the State Highway leading to Summerdale,tcnawn as Valtey Street:thence along lands now or late of YWllam. Raymond,north forty iwe(42)degrees forty-four(44)minutes twenty M seconds West two hundred eighty-eight and five-tenths(288.5)feet to a point,thence along]ands late of John Forney,south eighty(80)degrees forty-seven(47) minutes east,five hundred four(b04)feet to 4n Iron pin In the centerof Valley 'Street aforesaid,thence by sold Valley Street,south sixty three(63)Sieg a" twenty(20)minutes west one hundred forty-nine and four-tenths(149.4)test to an iron pin In the center of said Valley Sireet,thence by saki Vatisy Street,south sixty four(64)degrees flay tM n*wies west one hundred thlrpy 030)feet to an hon pin In the center of said Valley Sheet;thence by sold Valley Sheet.south alxty-nlne (69)degrees West(Zne Handfed Eighty(180)feet,more of less,the place of" BEGINNING. HAVING thereon ere a aro and one�aff story shingle clad bungalow known as No.2105 Valley Street. `gE1NGitte some premlass wt, Linda J.Snavely, by Deed dated January 17. 2000.which Deed b recordas<I In OM of the Recorder of deeds In and for- t3 kt Deed Book 15,Pope 338.granted"and conveyed to Charles J.Snavely and Paula J.Snavely.husbandand wife.Borrowers herein. Tuts Is a conveyance from husbanr!'ohd1r4fe fa husband and wite and therefore exempt from PenrWvanb Realty TrorWer Tax. This Deed is made for the purpose of correcting the lao de=011t�o+�n. i AND the sold Grantors hereby covenant and agree that they Wit warrant speclalIy the property hereby conveyed. IN WITNWS WHEREOF,sold grantors have hereunto set thele hands and seals the day and year above written. SIGNED,-SEALED AND DEMRW IN ME Paula J.Wwoly U — COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ;ss On this, he 5111 day of Apol. 2000 before me,"undersigned ofltccer;_, •%x:,`:_.j personally appeared Charles J.Snavely and Paula J.Snavely. hu3bavr7 known to me Cor sallsf oven to be the actcdty proven) persons whose names cx4 ,- .• subscribed to to within Instrument,and acimow[edged tnattney 4xeGt "•.{.;••..� ' same forthe purposes therein contained. IN WITNESS WHEREOF,I heretmto setm and an0 o �r e or KwWMWL w iro Pw" ise res[dence and complete past office adtlreas of ifie within named grantees Is AGOG. t5— 12000 -1 Ce Ai it LA C CwQL Sr c S.A 170 3 Attamey for Grandee . COM• 0 PEbINMNAN1A. RECORDED an this-'L,day of Qf AA.2000.In the Recardees Offloe Ot- r•I.�,/3+Iv�r'•av sold inPead Book Vol. •.•.. ,– � Q. �,•3k�• G�C�hard and the Seal of 4t1e sold Vt office.the date above written. r'- Gaol( 20 PACE AIR { i 1 u4166u IM4 - al:eaaa4suseowr REALTY TRAWER TAX tuua..riut«wnwnnrµu STATEJNENT OF VALUE allAr7aWei W versos. 111nelYO/aaNlpW TAreb . wwwu.grr tm.ouoa Srr Revame Tor faslruetlaeOmh a ^ro. . Isis"Maws mn�da +wWsiae aad No fn d.sLc+M.whr Re-rder of Oooh wbn Ij it fig vdw/orftld.aktn.h w1vel terltt G 16.d"d,(.Z)-Iwm s.dNd 6m.d ae 1 nIM� er a �irrw.K W. +I Valve N nw egabrd K N�.hae.iw 6 vAJly oanyA hon ro.' i edMelt oddldeod A CORRESPONDENT.Alt Ina11kl1Is may be dlnclyd fo the following oorwa.' K- 746010"t—L" i Hari M. Ledebohm - if.6at d.1 717 1 737-3405 Car 2109 Market STrant Camp gill PA 17011 6 TRANSFER DATA Charles J. Snavely t Paula J. SnavelyCharles J. Snavel , Sr, and Paula J. Snavely 147 Peach lane 147 Peach Len. CRYd' I Carlisle PA 17013 Carliale PA 1701; C ' PROPERTY LOCATION M. 2105 Valley Straet East Pennabo' Township Cm%erlend 09 13 0997 om D VALUATION DATA $1.00 » 1 + 0.00 n 0b odor X # E EXEMPTION DATA 100 1004 L C"Avo,or Wfo s.n Ilio-for Eaespli.ee a".ai ❑vvai w 1.Nne»ruooario. Q 7,.wdir Io IndOatiel D.wiep."at A9o^rT- I ❑Tn.dor m d tenet(AOdeb aOyeLlr espy of Iron egraewat 1d6od().LeO o11 b.n.Adddw.) i ❑7raw6r b.1—pAxfe of and*gem,(AtkKh owipbdo mPy of o"ney mO,pony ayro.s.q ❑Tt0006n»the Cgernanwtwhl4 tb Unitod St"anti L-4m,"retem"by G*.drdballon,m6d,.'gJpe er b Ever,aF mnd..�roNeti (1I mnd..enarlm er 1s 1760 of sendweiwyeq,an«h mpy d M.Wo"') - Q Trends hoer mrtgamar So a bdder CFO""Pilin d h.dL Monyaso Qaot Hvaba ,Paq.Hmmbw _ �;CarWl..ar4"pl�^t^'N 4664,N�peypjsa mpT d d"t�dwd,b.f.S aetnaW aeenEtea.} ❑ St.rop.y mrpwaM oameTWOmm,m.rW or dMUaL JAa.dl mpy d att2d.t.l . ❑albw(Pleur spial.a"wyae.det.rd,1 cow*.n Edea cbaw) . UsMr/asaWwa(1.er.Id.afw.flog w".ccrnbwdMLila».wid.bWvdb0�+l�.ei*fldoanwdlan.andNM.bMafr.ykwwWs. ... � e.d 7.1161,hb two, o.s10b». Karl Ode lie 4-7-00 FAIMIYUC THSMIAP00P@L70RATTACHAPKICASLIDOMMWAMNMAVIMULTINTHENKQ00 .3WUM To 7LtC0E11,THE 0F)Eb. mak 219 FACE W f: Exhibit ` B " ADJUSTABLE RATE NOTE (LIBOR 6 Month Index(As Published In The Wall Street Journal)-Rate Caps). . E THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY"MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXMfUM RATE I MUST PAY. MAY 14; 2004 CAMPH7LL, PA 17011 (Da1cl (City) is-el 2105 VALLEY STREET, ENOLA, PENNSYLVANIA 17025 [Property Address( 1. BORROWER'S PROMISE TO PAY In return for a loan that 1 have received,I promise to pay U.S.$ 153,000.00 (this amount is called i "principal"),plus interest,to the order of the Lender. The Lender is C'ENTEX H0149 EQUITY COMPANY, LLC I understand that the Under may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the"Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. 1 will pay interest at a yearly rate of 6.550 %. The interest rate I will pay may change in accordance with Section 4 of this Note. Thr interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B)of this Note. 3. PAYMENTS (A) Time and Place or Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the lot day of each month beginning on JIILY 1 2004 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I nay owe trader this Note. My monthly payments will be applied to interest before Principal. If,on 'JU= 1, 2034 ,1 still owe amounts under this(Vote,I will pay those amounts in fill on that date,which is called the"Maturity Date." I will make my monthly payments at P.O. BOX 199400 DALLAS, TY 75219-9077 or at a different place if required by the Note Holder. i (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will he in the amount of U.S.$ 972.11 This amount may change- (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determ+nr my new interest rate,aad the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on-the 1st day of JUNE =- 2006 and on that day every 6TH mouth thereafter. Each date on which my interest rate could change is called a"Change Date.' MULT1sTATE ADJUSTABLE RATE NOTE-LMOR 6 MONTH INDEX C s Modified-838(9406)J FNMA 3520(6194) 1 a1`4 initials . CE839-1 (031098).01 . - P.�s_ i f • I (B)The Index Beginning with the first Change Date,.my interest rate will be based on an Index. The"Index"is the average of interbank offered rates for 6 month U.S.dollar-denominated deposits in the London market("L1B0R'),as published in the Wall Street burn. The most recent Inex figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the"Current Index." If the Index is no longer available,the Note Holder will choose a new index that is based upon co po unparable information. The Note Holder will give me notice of this choice. (C)Calculation of Changes Before each Cbange Date,the Note Holder will calculate my new interest rate by adding SIX AND 900/1000 percentage point(s) ( 6.900 ) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D)below,this rounded amount will be my new interest rate until the next Mange Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially j equal payments. The result of this calculation will be the new amount of nay monthly payment:. - (D)Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Dale will not be greater than 0.550 %or less than 6.550 Thereafter,my interest rate will never be increased or decreased on any single Mange Date by more than ONE AND 000/2000 percentage point,(-,;) ( 1.000 %)from the rate of interest I have been paying for the preceding " 6 months. My interest rate will never be greater than 13.550 %or lower than 6.550 (E)Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Cbange Date until the amount of my monthly payment changes again. (F)Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in arty interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the telephone number of a person who will answer any questions I may have regarding the notice. i 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "full prepayment." A prepayment of only part of the unpaid principal is known as a "partial prepayment." Except as provided below,I may make a full prepayment or a partial prepayment without paying any penalty. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no delays in the due dates or changes in the amounts of my monthly payments unless the Note Holder agrees in writing to those delays or changes. i may make a fun prepayment at any time. If f choose to make a partial prrpayment. the Note Holder may require me to make the prepayment on the same day,that one of my month payments is due. The Note Holder may also require that the amount of my partial prepayment be equal to the amount of principal that would have been part of my next one or more monthly payments. If the original principal amount of this loan is$50,000 or i less,I may make a full or partial prepayment without paying any penalty. However,if the original principal amount of this Note exceeds$59,000,and if within ft first do months after the execution of this Mortgage,I make fun prepayment or a partial prepayment and the total of such prepayments in any one(1)year exceeds twenty percent(20%)of the original principal amount,I will pay a prepayment charge in an amount equal to the payment of six(6)months'advance interest on the arrxium prepaid which is in excess of twenty percent(20%)of the original principal amount. 6. LOAN CHARGES If a law,which applies to this loan and which sets maximum loam charges,is finally interpreted so that the interest or other loan charges collected or to be collected in coinfection with this loan exceed the permitted limits,thea n any inch loam charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and Q any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note.or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. MULTISTATE ADFUSrABLE RATE NOTE-LBOR 6 MONTH INDEX-w/PPP Malit'iod•838(9dl>�I FNMA 3520(6/94) �•S CE838PAP 13� Page 2 of 4 ] ;aur; i 4 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any,monthly payment by the end of 10, calendar days after the date itis due,I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 %of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.- (B) Default If I do not pay the full amount of each monthly payment on the date it is due,I will be in default_ (C) Notice of Default If I am in default,the Note Holder may send mea written notice telling me that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the fu11 amount of principal that has not been paid and, all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if,at a time when I am in default,the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses, If the Note Holder has required me to pay immediately in full as described above,the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include,for example,reasonable attorneys'fees. S. GIVING OF NOTICES Unless applicable law requires a different method,any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method,any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER TRIS NOTE If more than one person signs this Note,each person is My and personally obligated to keep all of the promises made in this Note,including the promise to pay the full amount owed. Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations,including the obligations of a guarantor, surety or endorser of this Note,is also obligated to keep all of the promises made in this Note_ The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amonts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts dere. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. IL UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions, In addition to the protections given to the Note Holder under this Note,a Mortgage,Deed of Trust or Security Deed(the"Security losuument'),dated the same date as this Note,protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note:'Some of those conditions are described as follows: i MULTI4TAT6 ADJUSTABLE RATE NOTE-LIBOR 6 MONTH INDEX Modified-838(9406) FNMA 3520(6/94) M3,8-3(031098) .Page 3 of 4 Fuhiair P�•S- - 7 k Transfer of the Property or a Beneficial Interest In Borrower_ if all or any part of the Property or any interest in it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lender's prior written consent,.Leader may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.- Lender also shall not exercise this option if:(a)Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being trade to the transferee; and(b)Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sigh an assumption agreement that is acceptable to.Lender and that obligates the transferee to keep all the promises and agreements made in the Note I and in this Security Instrument_ Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all suras secured by this Security Instrument_ If Borrower,fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by dus Security Instrument without further notice or demand on Borrower. 12. APPLICABLE LAW This Note shall be governed by the laws of the State of FEMSYLVANIA If a law,which applies to this loam and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit;and(B) any sums already collected from me which exceed permitted limits will be refunded to are. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to are. If a refund reduces principal,the reduction will be treated as a partial prepayment,but in no event will a prepayment charge be assessed if the Note Holder chooses to reduce my principal balance by applying such excess amnuuts. WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED. 1 ti u C4 n a u F C (Seal) ' ILP-, (seal) PAULA J.'TSVAVELY U -Borrower CBARLES J. SSNAVELY -Borrower (Seal) (Sean -Borrower -Boaower EJpTARIAL SEAL ALBEIT BUSSOLEffl,Nataty Pubr%c (tel) Lower Alien Twp.,GurnbvdanO County Borrower -Borrower SSN: My Com Ion Expires May 23,2VS SSN: (Seal) ....�.. -Borrower.-, _ .. .. ... _ . ._.. .-Borrower SSN: SSN: [Sign Origtrrrrt baty] MULTISTATE ADIUSTABLS RAT!?NOTE_LIBOR 6 MONTH WDE% Modified-836 9406)t FNMA 3520(6/94)- 0 - 838-4 (033098) Page 4 ofd - ALLONGE TO NOTE LOAN NUMBER: ALLONGE TO NOTE DATED: 5/14/2004 LOAN AMOUNT: $253,000.00 PROPERTY ADDRESS: 2105 VALLEY STREET,ENOLA,PA 17025 i i 1N FAVOR.OF: Centex Home Equity Company,LLC 1 AND EXECUTED BY: PAULA J.SNAVELY CHARLES J.SNAVELY ' I - PAY TO THE ORDER OF � I 1 WITHOUT RECOURSE Centex Home Equity Company,LLC BY: Terry L.Sidles TITLE: DOCUMENT SIGNER BATE 0512112094' i i I i i I -MAR. 19. 2008 11:07AM. NO. 6948 P. 4 I when recorded rerun to. NATIONSTAR MORTGAGE LLC 350 Hi8bland Drive-MNAT.DOCS Lewisvilie,TX 75067 i Above This Lige For kecor4" per} _ LOAN MODYFICATIOPI AGREEMENT This Loan Modification Agreement("Agreement'),made this 10th � &Paula Snavely ("Borrower") and Nationstar day of March 200$,between Charles a Mortgage LLC("Lender'), mends and supplements(1) the Mott g ge (the"Security Instrument), dated May 14,200A�recorded in the Official Records of the county in which the Property is located-and(2)the Adiustable.Rate Note("Nate')bearing the same date as, and secured by, the Security instrument which covers the real and personal property descnbed in the Security Instrument and therein as the "Property"located at 2105 Valley Street,Enola,PA 17425 bein the real property described in the Security Instrument. g In consideration of the mutual promises and agreements exchanged,totearties hereto. (notwithstanding a�tytWng to the contrary contained in the Note or SecurityIn agree as follows str�en#), 1. As of March 10, 2008, the unpaid principal balance under the Note and fhe Security Instrument(the"Unpaid Principal Balance")is U.S.$147,625.29,consisting of the auto s loaned;'*the Borrower by the bender. ) - Z. The Borrower promises to pay the Unpaid Principal Balancer phis interest,to the order of the Lender.Effective March 1,2008,interest will be charged on the Unpaid Principal Balance at the yearly rate of_6.55%.--Borrower,promfses to make monthly payments of principal and interest of U.S.$992.1 l beginning on April 1,2008, and continuing theieafiei on the sarae - - — day of each succeeding month until principal and interest are paid in full.�on June 1,2034 (the "Maturity Date"), the Borrower still owes amounts under the Note andlor the Security Instrument, as amended by this Agreement, the,Borrower will pay these amounts in full on the Maturity Date. 3. The Bormwer also wdl comply with all other covenaufs,agreements,and e-cluirements of the Security Irts#cimtent,ineluding without limitation,the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments ,escrow it and all other g ems, impounds, Payments that the Borrower is obli ted to make under the Security Instruttie, however,;the following terms and provisions are forever c mceled,nulI and void, is of-the Loan ModiHcariou AVVcro= Fq8c I of Initielt: e� PS 03119/2008 12:1-8PM MAR. 19. 2008 11:07AM X 6948 P. 5 I date specified in pwagraph No,l above: (a) All terms and provisions of the Note and Security instrument(if arty)providing for,implementing,or relating to,any change or adjustment in the rate of interest payable under the Note;and I (b) All terms and Provisions of any adjustable rate rider or other instrument or document that is affixed to,wholly or partially incorporated into,or is part of,the Note or Security Instrument and that contains any such terms and Pivvisions ns those referred to in(a)above. 4. Nothing in this Agrcement sball be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agrev went,the Note and Security Instrument wfll remain unchanged,and the Borrower and Lender will be bound by,and comply with,all of the terms and provisions thereof,as amended by this Agreement. i Charles Snavely':. Date Paula Snavel Date i STATE OF PC1 ) COU1,ftY OF C,,'4,r la w ) On this j "? day of 4-y\a-c-l^ ,in the year 2008,before me,personally appeared Cl-\C-,1-rs 5 nc-,,Jy 6 a d Pe,,. lc_ 5 nG a�II , proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument,amd acknowledged that she executed the same. My commission expires: A n v 1 y,a o.I It COMMOMWEALTHOFP, RjUSYLVANIA tSeW — NPublia:::..:. Ttso inaKRoberr%Notary"O otky - East Pennsbm Twp.,Cttnwnwid Qatmty My conm sston Expt ms Nov,15,7011 Member;Pannsoftnla A4saalp1101)at Kowrw i Lash Mlodi6eaaoa Agreement Page 2 of 3 03/19/2008 12:1BPM MAR. 19. 2008 11 :08AM _ NO. 6948 P. 6 i NationstarM )3y: // d��0 Date STATE OF COUNTY OF On this in the year 2008,13efore me, personally appeared 4A ryu rf,-'� o'' , proved tome on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument,and acknowledged that she executed the same. ' I My commission expires.. lOfl�"/nolo S �v: No D�S�ase 01 Notary Public ��-, � Octobej 18.2914 i i - r - i i Loan ModWcatlon ADwment Page 3 of 3 03/19/2008 12: 18PM i If k I i I j i i i I i D [Space Above This Line For Recording Data] j LOAN MODIFICATION AGREEMENT (Providing for Interest Only Payments and.Fixed Interest Rate) This Loan Modification Agreement ("Agreement"), made this Manch,11, 2013, between PAULA SNAVELY CRARLE5 SNAVELY"("Borrov%ve) and Nationstar Mortgage LLC ("Lender"), amends and supplements(l)the Mortgage,Deed of Tnst,or Security Deed(the"Security Instnanent"),and Timely Payment Rewards Rider, if any, dated 51142004 and recorded in Book or Liber at page(s) of the Records of (Name of Records) (County and State;or other Jurisdiction) and(2)the Note,bearing the same date as,andr secured by,the Security Instnmfent,which covers the real and personal property described in the Security Instrument and defined therein as the"Property",located at 2105 VALLEY STREET,ENOLA,PA 11.025 (Property Address) the real property described being set forth as follows: I In consideration of the mutual promises and agreements exchanged,the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of May 1,2013,the amount payable under the Note and the Security Instrument(the"Unpaid Principal Balance')is U.S.$171,086.44,consisting of the unpaid amourut(s)loaned to Borrower by Lender plus any interest and other amounts capitalized 2. Borrower promises to pay the Unpaid Principal Balance,plus interest,to the order of Lender. Interest will be charged on the Unpaid Principal Balance.at the yearly rate 3.911%.from April 1,2013 until April 01, 2015. Borrower promises to make monthly payments of interest of U.S.$557.60,beginning on 5!]2013, and continuing thereafter on the same day of each succeeding month until May 1,2015(the"Interest Only Period'). After expiration of the modification period, the interest rate Botrolver will pay will be determined in accordance with the terms of the original Nate. If on 6112034(the"Maturity Date), Borrower still owes amounts under the Note and the Security Instrument,as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. )Fail.. to Timely Remit Payments• If at any time during the effective dates of this Modification Agreement the Borrower Earls to timely make payments as specified hereinabove and such defaalt or failure continues for more than thirty(3 1)days,then this Modification Agreement,at the option of Lender,shall terminate and all terms of the Note as originally executed shall be reinstated in frill,effective as of the date of this Modification Agreement,and the amounts due and payable under the terms of the Note shall be as originally stated therein,as if this Modification Agreement had never existed. Tune is of the essence with regard to all payments specified hereunder. Nothing contained herein shall prevent or preclude Lender from enforcingarr of Lender's rights or remedies under the Note,or under airy document or instrument evidericing or securing the indebtedness created by or under the Note,or shall be construed as a waiver of any of Lender's rights or remedies thereby created. 4. If all or any part of the Property or any interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent,Conder may require immediate payment in fall of all sums seabed by the Security Instrument. If Under exercises this option,Lender shall give Borrower notice of acceleration lute notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by the Security Instrument If Borrower fails to pay these scans prior to the expiration of this period,Lender may invoke any remedies permitted by the Security Instrument without further notice or demand on Borrower: LOAN MODIPICArlON AGREEMENT—Cop Find treW 10) 01MM9&wJQr5) 1 4 � I i 5. Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument,including without limitation,Borrower's covenants and agreements to make all payments of taxes,insurance premiums,assessments,escrow items,impounds,and all other payments that Borrower is obligated to make under the Security Instrument, G. Borrower understands and agrees that (a) All the rights and remedies,stipulations,and conditions contained in the Security Instrument relating to default in the matting of payments under the Security Instrument shall also apply to default in the making of the modified payments hereunder. (b) All covenants,agreements,stipulations,and conditions in the Note and Security Instrument shall be and remain in full force and effect,except as herein modified,and none of the Borrower's obligations or liabilities under the Note and SecurityInstrument shall be diminished or released by any provisions hereof;nor shall this Agreement in any way impair,diminish,or affect any of Lender's rights under or remedies on the Note and Security Instrument,whether such rights or remedies arise there under or by operation of law_ Also,all rights of recourse to which Lender is presently entitled against any property or any other persons in any way obligated for,or liable on, the Note and Security Instrument are expressly reserved by Lender. (c) Borrower has no right of set-off or counterclaim,or any defense to the obligations of the Note or Security instrument (d) Nothing in this Agreement shall be Understood or construed to be a satisfaction or release in whole or in part of the Nate and Security Instrument, (e), All costs and expenses incurred by L.endcr in connection with this Agreement,including recording fees,tide examination,and attorney's fees,shall be paid by the Borrower and shall be secured by the Security Instrument,unless stipulated otherwise by Lender. (gj That I will execute such other documents as may be reasonably necessary to either 01 consummate the terms and conditions of this Agreement;or(ii)correct the terms and conditions of this Agreement if an error is detected after execution of this Agreement.I understand that either a corrected Agreement or a letter agreement containing the correction will be provided to me for my Signature.At Lender's option,this Agreement will be void and of no legal effect upon notice of such error.If I elect not to sign any such corrective documentation,the terms of the original Loan Documents shall continue in full force and effect,such terms will not be modified by this Agreement (Seri) t?� l� u'rllliUL (Seal) Nationstar Mortgage I1,C-Leader 'PAULA SNA -Borrower By, RGar�e5 S»rrr�I� CHARLES SNA' LY-Borrower STATE OF; vAnif— COUNTY OF Ctxn v&r]A.`a On the day of or& pe+sonally appeared before me �iu la5ngre l A rQ nda n L c ret, OA ar lis s f overt to me(or proved to me on the basis of satisfactory evidence)to be the person()whose names)islare sub mabed Lo the within instrument and acknowledged to me that hdshe/Uxy executed the same in his/her/tixir audromized r.apacity(ies),and that by his/her/their signatures)on the instrument the person(s),or the entity upon behalf of which the person(s)acted, executed the inttrwaent Witness y hand and official at otary Pu is My appointment expires:N©V COMMONWEALTH OF PEhlNMVAMIA: Notatial seal Tina M.RoberWn,iVotalY guti8c EaS[PennSbao7Wp..Cumberland Quift GWntnWen EV1r-Nov.IS,2015 gS4n'vt:VAM A559GUM 9F rr AGRFEAtENT To ESTABLISH ESCROW ACCOUNT G-ws-fSr - i i i ! i [Space Below This Line For Acknowledgments] AGREEMENT TO MAINTAIN ESCROW ACCOUNT WHEREAS,PAULA SNAVELY,CHARLES SNAVELY(°Borrower')desires Nationslar Mortgage LLC ("Lander")to collect payments from Borrower to be held by Lender for the payment ofeerWn sum dile in j connection with Borrower's Note and Security Instrument,dated 5114/2004,(hereinafter referred to as"Nord'and "Security Instrument"respectively)currently held by Lender NOW TIIEREFOM in consideration of the foregoing and the mutual covenants contained in this Agreement(-Agreement"),Borrower agrees to pay Lender,on the day Periodic Payments are due under the Note, until the Note is paid in full,or the Escrow Account is otherwise terminated pursuant to this Agreement or in accordance with applicable law,a slag(the"Funds")to provide for payment of amounts due for:(a)taxes and assessments and other items which can attain priority over the Security Instrument as alien or encumbrance on the Property (b)leasehold payments or ground rents on the Property,if any;(c)premiums for any and all insuance required by Lender under the Security Instrument;and(d)Mortgage Insurance Premiums,if arty,or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums.These items are called "Escrow items"In the event that Borrower receives bills,assessments,invoices,or other requests for payment of Escrow Items,Borrower shall promptly furnish to Lender all such notices. Borrower shall pay Lender the Funds for Escrow Items unless this Agreement is terminated either by Lender,or pursuant to applicable law. In the event of termination,Borrower shall pay directly,when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. In the event Borrower is obligated to pay Escrowitems directly,and Borrower fails to pay the amount duff for an Escrow Item,Lender may pay such amount in accordance with the terms of the Note and Security Instrument and Borrower shall then be obligated to repay Lender any such amount Additiormlly,if Borroweris obl-ugated to pay Escrow Items directly,and Borrower fails to pay the amount due for an Escrow Item,Lender may,in accordance with applicable law,require Borrower to maintain an Escrow Account Borrower agrees to make an initial payment of Funds to establish the escrow account,which amount shall be based on an estimate of the amount and date of expenditures for firtnre Escrow Items,or otherwise in accordance with the!:teal Estate Settlement Procedures Act("RESPA'j•The estimate of expenditures of future Escrow Items shall be made based on current data available to Larder_ Borrower acknowledges that the actual payments of EscrowItents may vary from the estimated amounts. Lender will collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA,and(b)not to exceed the maximum amount a lender can require under RESPA- ' Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates ofexpenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency,instnrnentadi%or entity or in any Federal Home Loan Bank Lender shall apply the I=&to pay the Escrow Item no later than the time period specified under RESPA. Lender shall not charge Borrower for holding end applying the Funds, annually analyzing the escrow account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Unless agreed to in writing or applicable law requires interest to be paid on the Fords,Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower,without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to Borrower for the excess fiords in accordance with RESPA.If there is a shortage of Funds held in escrow,as defined under RESPA,Under shelf notify Borrower as required by RESPA,and Borrower shall pay to Under the amount necessary to make tip the shortage in accordance with RESPA: If there is a deficiency of Funds held in escrow,as defined ander RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument or termination of this,Agreement, Lender shall promptly refund to Borrower any Funds held by Lender. 1 BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Agreement to Establish Escrow Account- Borrower ccountBorrower Date Borrower Srwtrdl� Date ACRMEW TO MABLIM ESCROWACCOUNT (r.ye 545) - Nationstar MORTGAGE LETTER ACKNOWLEDGEMENT March 11,2013 i PAULA SNAVELY CHARLES SNAVELY 1612 3RD ST ENQLA,PA 17025 Dear PAULA SNAVELY: _ I Attached for execution is the Modification Agreement for your loan serviced by Nationstar Mortgage LLC The Modification Agreement sets forth the future terms of repaymentfor your loan,and may include capitalization of certain outstanding past due amounts. The specific terms are identified in the Modification Agreement,and may Include a period of time for which your payment will consist only of interest payments(resulting in no principal reduction)and/or change in the amortization term of your loan(such a change may result in'you owing a lump sum payment upon maturity of your loan). By executing this Letter Acknowledgement and the Modification Agreement,you are agreeing to make a qualifying payment of$1,597.28("Qualifying Payment')for your Modification Agreement to become effective. This Qualifying Payment will be applied first to any outstanding fees and charges that are not capitalized under the terms of the Modification Agreement,next to any unpaid non-capitalized interest and finally to unpaid principal. Additional sums may become due as a result of the timing of this letter and the Agreement. Nothing in this letter or in the Agreement precludes Nationstar Mortgage's collection of additional advances paid by Nationstar Mortgage. You are acknowledging a financial hardship and you have sufficient income to make future modified loan payments,as identified in the modification agreement. I Should you have any:questions regarding the terms of this Letter Acknowledgement or the Modification Agreement,please do not hesitate to contact us at$88-850-9398 x8067009. i Sincerely, Nationstar Mortgage LLC' ,Acknowledge and agreed to by: p,�.�, }ot Gk.r1L5 Syi�rtld PAULA SNA LY CHARLES SNAVELY t This is an attempt to collect a debt,and any information obtained will be used for that purpose. . . www1"t10n5tarMt9.com Ack.Ltr—Escrow Page 2 of 5 i F. r I I I i i I j I i O • 4 -6 (Page 7 of 48) 10 r^ i E GLEEDS tr, F?1(7`vDc:UR Jt I �RI AND COLt3TY fill 11 07 Prepared By: Return To: JENNIFER THORNTON C*NTEX HOME EQUITY COMPANY, LLC P.O. BOX 199500, FINAL DOCS Dallas, TX 75219 Parcel Number: ���j^ Abo9e This I use For Rewrding Data] MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3,11,13, 18,20 and 21_ Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument"-means this document,which is dated 5/14/2004 together with all;Riders to this document_ (B)'Borrower" is PAULA J. SNAVELY P CHARLES J. SNAVELE IFE AND HUS13AND I - 0 C O Ln Z t - CSD . Borrower is the mortgagor imder this Security Instrument. CM (C)"Lender" is m CENTEX HOME EQUITY COMPANY, LLC- I � Lender is a A LIMITED LIABILITY COMPANY .. PENNSYLVANIA -Shoe FWniy -Fannie MaaWreddle Mac UNIFORM INSTRUMENT Form 3039 1101 1 -G(PA) Page 1 of 16 iMiiaw VMP MORTGAGE FORMS•(auvoil.7297 BK 1866PG l 342 _ - 1 f t (Page 8 of 46) i I i - i I organized and existing under the laws of THE STATE OF DELAWARE; Lender's address is 2828 NORTH HARWOOD DALLAS TX 75201-1516 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated 5/14/2004 The Note states that Borrower owes Lender ONE HUNDRED FIFTY THREE THOUSAND & 00/100 Dollars (U.S. $ 153,000.00 )plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 6/01/2034 (E) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "T.oan"' means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower[check box as applicable]: Q Adjustable Rate Rider 0 Condominiums Rider 0 Second Home Rider EJ Balloon Rider ❑Planned Unit Development Rider 0 1-4 Family Rider Q VA Rider Q Biweekly Payment Rider 0 Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders(that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues,Fees,and Assessments" means all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization_ (J) "Electronic Funds Transfer" means any transfer of funds,other than a transaction originated by check, draft,or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order,instruct,or authorize a financial institution to debit or credit an account Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (K) "Escrow Items"means those items that are described in Section 3. - (L) "Miscellaneous Proceeds" means any compensation,settlement,award of damages,or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for. (i) damage to,or destruction of,the Property;(ii)condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or(iv)misrepresentations of,or omissions as to,the value and/or condition of the Property. (11� "Mortgage;Insurance" means insurance protecting Lender against the nonpayment of,or default on, the Loan. (N) 'Periodic Payment means the regularly scheduled amount due for(i) principal and interest under the Note,plus(si)any amounts under Section 3 of this Security Instrument. (M-6(PA) (Dona) Pege 2 o to Da S.. Form 3039 1101 BK 1866PG-1 3.4- 3 r (Page 9 of 48) r I [ - k (0) "RESPA" means the Real Estate Settlement Procedures Act(12 U.S.C.Section 2501 et seq.) and its implementing regulation,Regulation X(24 C.F.RPart 3500, as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter.As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a I "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property,whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan,and all renewals,extensions and . modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the COUNTY [Type of Recording Jurisdiction) of CUMBERLAND JNarne of Recording Jurisdiction): All that tract or parcel of land as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. which currently has the address of 2105 VALLEY STREET Intl ENOLA [Cityl,Pennsylvania 17025 [Zip Code] ("Property Address ): TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements, appurtenances,and fixtures now or hereafter a part of the property_All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." 4:b®-6(AA) (ows) Page8of18 � Form 3039 1/01 I - l 866PG 1344 (Page 10 of 48) i • i i i i i i 13ORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Proptrty and,that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform -covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real properly UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency.However,if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender.mmay require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender: (a) cash; (b)money order,(c) certified check,bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality,or entity;or(d)Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current.Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted_If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current.If Borrower does not do so within a reasonable period of time,Lender shall either apply such funds or return them to Borrower.,If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2.Application of Payments or Proceeds.Except as otherwise described in this Section 2,all payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest due under the Note; (b)principal due under the Note; (c)amounts due under Section 3.Such payments shall be applied to each Periodic Payment in the order in which it became due.Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security_ Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due,the payment may be applied to the delinquent payment and the late charge.If more than one Periodic Payment is outstanding,Lender may apply any payment received from ,Borrower to the-repayment of the Periodic Payments if,and to the extent that,each payment can be paid in trouts: (a-NPA) (0008) Page 4 W 56 fJ� S Form 3039 '1101 QD �i{ 1566PG 1345 (Page 11 of 48) i i i fall. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied. to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments,insurance proceeds,or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments, j 3.Funds for Escrow Items.Borrower shall pay to Lender on the day Periodic Payments are due under the Note,until the Note is paid in full,a sum(the "Funds")to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on,the Property;(b) leasehold payments or ground rents on the Property,if any;(c)premiums for any and all isurance required by Lender under Section 5;and(d)Mortgage Insurance premiums,if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.These items are called "Escrow Items."At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments,if any,be escrowed by Borrower,and such dues,fees and assessments shall be an Escrow Item. j Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower j shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.Any such waiver may only be in writing. In the event of such waiver,Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9'to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and,upon such revocation,Borrower shall pay to Lender all Funds,and in such amounts,that are then required under this Section 3. Lender may,at any time,collect and hold Funds in an amount (a) sufficient to permit Lender to apply the 'Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future EscroW 1temUr-o.therwise in accordance with Applicable Law The funds'shall be held in an institution whose deposits are insured by a federal agency,instrumentality, or entity(including Lender,if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge.Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest shall be paid on the e:s•s (W-qPA) (0008) Page S of isP� Form 3039 1101•S. �!{ 1866PG 1346 ' l (Page 12 of 48) C .ti i Funds. Lender shall give to Borrower, without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender.shall account to Borrower for the excess funds in accordance with RESPA.If there is a shortage of Funds held in escrow,as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow,as defined under RESPA, Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. Uponpayment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property,if any,and Community Association Dues,Fees,and Assessments,if any.To the extent that these items are Escrow Items,Borrower shall pay them is the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only so long as Borrower is performing such agreement;(b)contests the lien in good faith by,or defends against enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan 5.Property Insurance.Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the teen"extended coverage,"and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall.be maintained in the amounts (including deductible levels) and for the periods that Lender requires.What Lender requires.putsuant-to the preceding_sentences.can change tI Ong,the term.,of.the,Loan.-..- The insurance ,carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay,-in connection with this Loan,either: (a) a one-time charge for flood zone determination, certification and tracking services;or (b) a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might, affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the,Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. inreair- -e(PA) tea Page a of is 'Form 3039 1101- PJ.S. 8, l 866PG 1347 (Page 13 of 48) i i i i If Borrower fails to miintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. bender is under no obligation to purchase any particular type or amount of coverage. Therefore,such coverage shall cover Lender,but might or might not protect Borrower,Borrower's equity in the Property,or the contents of the Property,against any risk,hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges ,that the cost of the.insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall became additional debt of Borrower secured by this Security Instrument, These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.If Borrower obtains any form of insurance coverage,not otherwise required by Lender,for damage to,or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds,whether or not the underlying insurance was required by Lender,shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly_ Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress . payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds,Lender shall not be required to pay Borrower,any interest or earnings on such proceeds, Fees for public adjusters,or other third parties,retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower.If the restoration or repair is not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall.be.applied in the order provided for in Section 2. If Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim and related matters.If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claire,then Lender may negotiate and settle the claim. The 30-day period will begin when the,notice is given. In either event; or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender(a)Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,and(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property,insofar as such rights are applicable to the coverage of the Property.Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument,whether or not then due. 4M.6(PA) (Does) page rof la p� �. Form 3039 4101 3.48 , i (Page 14 of 48) I i 6.Occupancy. Borrower shall occupy,establish,and use the Property as Borrow., s principal residence within 60 days after the execution of this Security'Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year atter the date of occupancy, unless bender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7..Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property,allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible,Borrower shall promptly repair the Property if damaged to ayold further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property,Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender oi• its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall.give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S.Borrower's Loan Application. Borrower shall be in default if,during the Loan application process,. Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan.Material representations include,but are not limited to,representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9.Protection of Lender's Interest in the Property and Rights Under this Security InArtunent. If (a)Borrower fails to perform the covenants and agreements contained in this Security Instrument,(b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or;(c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect..Lender's interest in:-the Property and rights under this. Security.:. .__.: Instniment, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property.Lender's actions can include,but are not limited to:(a)paying any sums secured by a lien which has priority over,this Security Instrument; (b) appearing in court;and(c)paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument,including its secured position in a bankruptcy iproceeding. Securing the Property includes, but is not limited to,entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have.utilities turned on or off. Although Lender may take action under this Section 9,Lender does not have to do so and is not under any duty or obligation to do'so. It is agreed that Lender incurs no liability for not taping_any or all actions authorized _ under this Section 9. _ Q.5s MMdw -G(PA) (000e) pawsofis Form 3M9 1101 $� $SSPG 1 349 (Page 15 of 48) I i Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold,Borrower shall comply with all the provisions of the lease- If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing- 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall.pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage substantially equivalent to,the Mortgage Insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender.If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance.Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available,is obtained,and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect,or to provide a non-refundable loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing in!this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter into agreements with other parties that share or modify their risk,or reduce losses.These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the_mortgagb insurer may have-.available (which may include ifunds..obtained,from Mortgage Insurance: premiums). _ As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly) amounts that derive from(or might be characterized as) a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses.If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer,the arrangement is often termed "captive reinsurance."Further. (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage.Insurance, or any other terms of the Loan. Such agreements will not increase the amount_ Borrower will owe for Mortgage insurance,and they will not entitle Borrower to any refund. - - Irdnoa: C•�S O®-%PA) mm)' P"e 9 of 16 A J 3. Form 3039 1101 I r i- 866PG 1350 h (Page 16 of 48) i i I i (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or ariy other law.These rights may include the right to receive certain disclosures, to request and obtain varicellation of the Mortgage Insurance,to Have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Instyrance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Under shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's j satisfaction,provided that such inspection shall be undertaken promptly_ Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as flue work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.If the restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the a-luns secured by this Security Instrument;whether or not then due,with the excess,if any,paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction,or loss in value of the Property,the Miscellaneous Proceeds shall be applied.to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower. In the evept of a partial taking, destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction,or loss in value,unless Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction_ (a)the total amount of the sums secured immediately before the partial taking,destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction,or loss in value.Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not.the sums are then due_ If the Property is abandoned by Borrower,ordf,_after.notice by Lender to Borrower_that:the Opposing-._...,. _— .... . Party(as defined in the next sentence) offers to make an award to settle a claim for damages,Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party"means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that,in Lender's judgment,could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument.Borrower can cure such a default and,if acceleration = has occurred,reinstate as provided in Section 19,by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of C..�.S Inigels: (W-G(PA) Mm Page 10 or 16 Q l S Form 3039 1/01 866K i 3S I (Page 17 of 48) i i Lender's interest in the Property orrightsunder this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment-of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12..Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or,any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons,entities or Successors in Interest of Borrower or in amounts less than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. 13.Joint and Several Liability; Co-signers; Successors and Assigns Bound.Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note(a"co-signer"):(a)is co-signing this Security Instrument only to mortgage,grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b)is not personally obligated to pay the sums secured by this Security Instrument;and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to'the terms of this Security Instrument or the Note without the co-signer's consent. Subject to'the provisions of Section 18,any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain.all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20)and benefit the successors and assigns of Lender. 14. Loan 'Charges. Lender may charge Borrower fees for services performed in connection with. Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including,but not limited to,attorneys' fees,property inspection and valuation fees.In regard to any other fees,the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition:on the-chargingof.such fee.Le.pder_.may not-charge fees_—_ that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan'is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded'to Borrower. Lender may choose to make this refund by reducing the pzincipal owed under the Note or by making a direct payment to Borrower. If a.refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment.charge.(whether or not a prepayment charge is provided for under.the Note).Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge- i iryua�o: -6(PA) Moos) Pape 11 or ssn� S Form 3039 1101 �f, 8 6'6 PG 13.5 2 _ , (Page 18 of 48) f 15.Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless F Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure.There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower.Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender.If any notice required by this Security Instnunent is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16.Governing Law; Severability; Rules of Construction, This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause'of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall i not affect other provisions of this Security Instrument or the Note which'can be given effect without the conflicting provision. As used in this Security Instruutent_ (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa;and(c) the word "may"gives sole discretion without any obligation to take any action. 17.Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument: 18. Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 18, "Interest in the Property"-means any legal or beneficial interest in the Property,including,but not limited to, j those beneficial interests transferred in a bond for deed,contract for deed,installment sales contract or escrow -agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. j If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is i not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender,may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this-option;Lender-sball..give-Borrower.notice of acceleration_-The-notice--shall- --= provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of- (a) fivedays.before sale of the Property pursuant to any power of We contained in this Security Instrument; (b)such other period as Applicable Law might specify for the termination of Borrower's I right to reinstate-,or(c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower (a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all Inttials: . <D-WA) (000st Page 12 er le p' t Orta 3038 1101 �y 353 k (Page 19 of 48) i t expenses incurred in enforcing this Security Instrument, including, but not limited to,reasonable attorneys' fees,property inspection and valuation fees,and other feel incurred for the purpose of protecting Lender's ' interest in the Property and rights under this Security Instrument and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sus secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums.and expenses in one or more of the following forms,as selected by Lender.(a)cash;(b)money order,(c)certified check,bank check,treasurer's check or cashier's check;provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration bad occurred.However,this right to reinstate shall not apply in the case of acceleration under Section 18. 20.Sale of Note; Change of Loan Servicer;Notice of Grievance. The Note or a partial interest in the Note(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity((mown as the"Loan Servicer")that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note,•this Security Instrument,and Applicable Law.'There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note.If there is a change of the Loan Servicer,Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing.If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise'provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class)that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of,.or any duty owed by reason of, this Security Instrument,until such Borrower or Lender has notified the other party(with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken,that time period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and_the notice of acceleration-givea..to..Borrower pursuant to Section 18:shall.be deemed satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate , to health, safety.or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action,or removal action,as defined in Environmental Law;and(d) an"Environmental Condition"_ means a condition that can cause,contribute to,or otherwise trigger an Environmental Cleanup. - (M-6(PA) (oco3) Page 13 of 16 Q�S Form 3039 11D1 nil I 866PG 135 (Page 20 of 48) s Borrower shall not cause or permit the presence,use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.Borrower shall not do, nor allow anyone else to do,anything affecting the Property (a) that is in violation of any Environmental Law,(b) which creates an Environmental Condition, or(c) which,due to the presence,use,or release of a Hazardous Substance,creates a condition that adversely affects the value of the Property.The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to'normal residential uses and to maintenance of the Property(including,but not limited to,hazardous substances in consumer products). Borrower shall promptly give Lender written notice of(a)any investigation, claim.,demand,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual lmowledge, (b) any Environmental Condition, including but not Iimited to,any spilling, leaking, discharge,release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property.If Borrower learns,or is notified by any governmental or regulatory authority,or any private party,that any removal or other remediation of any Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-LTWO 2M COVENANTS.Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of,among other things: (a)the default; (b)the action required to cure the default; (c)when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the suras secured by this Security Instrument, foreclosure by judicial proceeding and We of the Property. Lender shall further inform Borrower of the right to reirk4ate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified,Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys'fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void.After such occurrence,Lender shall discharge and satisfy this Security Instrument.Borrower shall pay any recordation costs.Lender may charge Borrower a fee for releasing this Security Instrument,but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law,waives-and-releases any erivr'o"r' -= defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution,extension of time,exemption from attachment,levy and sale,and homestead exemption. 25.Reinstatement Period.Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27.Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. . - Innials: -G(PA) tpppg) Page 14 d 16 0 J Form.3039 Vol U 355 G�{ t 3r;a i (Page 21 of 48) i i i i ' I BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this j Security instrument and in any Rider executed by Borrower and recorded with it. Witnesses: (seal) PAULA J. LY Borrower 4 (seal). CHARLES V. SNAVE >SZ?- -Borrower NOTARiAt AL ALBERT BussOLET T'1,Notary Public Lower Allen Twp.,Cumberldnd County My Commission Expires May 23,2005 (Seal) (Seal) .,. Borrower -Borrower (Seal) (Seat) 'i -Borrower Borrower I - (Seal) (Seal) -Borrower -Borrower I - . I I -6(PA) (-oq I, Page is of rs Form 3039 1101 F 13G6PG ; 356 i _ r (Page 22 of 48) t . f Certificate of Residence T, do hereby certify that the correct address of the within-named Mortgagee is 2828 NORTH HARWOOD, DALLAS, TX 75201.-1516 i Witness my hand this day of m(�i/\ j O�O I � �� JJ eat of Mortgagee i _ I -tcz:rJ COMMONWEALTH Ow< b-e r OF P SYLVANIA, County ss: On this,the J day of i'3�Y �,O ,before me,the undersigned officer,personally appeared I PAULA J. SNAVELY CHARLES J. SNAVELY fl " known to me(or satisfactorily!proven) to be the"person(s) whose name(s). is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. My Commission Expires: NOTARIAL SEAL ti ALBERT 13USSOLEITI,Notary Public Lower Allen Twp.,Cumberland County Title of Officer Miy Commission Expires May 23,2005 5S -6(PA) (-M Page 16 M Is P..�.S. FDrm 9o39 imi I 357 i (Page 23 of 48) Date:5/13104 Time:4:45:12 PM c Order Number: Re: Charles J. Snavely, Sr: 2105 VALLEY STREET- Paula J...snavely ENOLA, PA 17025 f CUMBERLAND County . EXHIBIT 'A' ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING ab an iron pin in the center of the State Highway leading to Summerdale, known as Valley Street; thepce along lands now or late of William Raymond, north forty--two (42) degrees'forty-four (44) minutes twenty (20) seconds West two hundred eighty-eight and five-tenths (288.5) feet to a point; thence along lands late of John Forney, south eighty (80) degrees forty-seven (47) minutes east, five hundred four (504) feet to an iron pin in the center of Valley Street aforesaid; thence by said Valley Street, south sixty three (63) degrees twenty (20) minutes west one hundred forty-nine and four-tenths (149.4) feet to an iron pin in the center of said Valley Street; thence by said Valley Street, south sixty-four (64) degrees fifty (50) minutes west one hundred 'thirty (130) feet to an iron pin in the center of said Valley Street; thence by said Valley Street, south sixty-nine (69) degrees West; One Hundred Eighty (180 feet, more or. less, the place of BEGINNING. RAVING thereon erected a one and one-half story shingle clad bungalow known as No. 2105 Valley Street. I i i i i i i i . i Page:6 of6 Q t7�U 1 3 5 8 (Page 24 of 48) i ADJUSTABLE RATE RIDER (LIBOR 6 Month Index(As Published In The Wall Street Journal)-Rate Caps) i THIS ADJUSTABLE RATE RIDER is made this 14th day of MAY 2004 and is inc.orporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed(the "Security Instrument") of the same date given by the undersigned(the "Borrower")to secure Borrower's Adjustable Rate Note(the"Note")to CENTEX HOME EQUITY COMPANY, LLC (the"Lender")of the same date and covering the Property described in the Security Instrument and Iocated at: 23-05 VALLEY STREET ENOLA, PA 17025 (Property Address] THE 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 COVENANTS. In addition to the covenants and agreements made in the Security rictrument,Boriower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial purest rate of 6.550 %- The Note provides for changes in the interest rate:and the monthly payments,as follows: 4. IN'T'EREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates - The interest rate I will pay may change on the 1st day of JUNE 2.006 and on that day every 6TH month thereafter. Each date on which my interest rate could change is called a"Change Date-" (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for 6 month U.S. dollar-denominated deposits in the London market ("LIBOR'),as,published in The Wall Street Journal. The most recent Index figum available as of the first Muttistate Ad�1a�stable Rate Rider-LIBOR 6 Marth Index Modified 838U 4705)1 FNMA 3138(6194) CE838UI (031098) Page-1 on G.J. S. v 866PG 1 359 (Pape 25 of 48) .,n •I i� � I I � i F business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index;" If the Index is no longer available, the Note Holder will choose a new Index that.is based upon j comparable information-The Note Holder will give me notice of this choice. (C)Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding SIX AND 900/1040 percentagepoint(s) { 6.900 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point(0.125%). Subject to the limits stated in Section 4(D)below,this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D)Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than ! 8.550 %or less than 6.550 %. Thereafter,my interest rate will never be increased or decreased on any single Change Date by more than ONE AND 000/1000 percentage point(s) %)from the rate of interest I have beenpaying for the preceding 6 months.My interest rate will never be greater than 13.550P % (E)Effective Date-of Changes * or lower than 6.550 My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F)Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change.The notice will include inforrnation required by law to be given me and also the telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENMCIAL IN'T'EREST IN BORROWER Uniform Covenant 17 of the Security lostrumerat is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is'not a natural person) without Lender's prior written consent,Lender may,at its option, require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by bender if exercise is prohibited-by federal law as of the date of this Security instrument.Lender also shall.not exercise this option if- (a)Borrower causes to be submitted to Lender infoatio required by Initials: �. -8381.1 (3705) Page 2 of 3 Us Fonn 313E 6194 I 3K 1866PG i 360 (Page 26 of 48) _ , I c J P I i Lender to evaluate the intended transferee as if a new loan were being made to the transferee;and(b)Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the rick of a breach of any'covenant or agreement in this Security Instrument is acceptable to Lender. To the extent.permitted by applicable taw, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will cpntinue to be obligated under. the.Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full,.Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument.If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further,notice or demand on Borrower. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider_ ^ I �p Q(,Lk a- ft(Seal) � n 1n , M�td. t, (Seal) PAULA J. 5NA LX -Borrower, CHARLES ' SNAVE Y Se Borrower (Seal) (W g -Borrower -Borrower 483SUU ARIAL SEAL (Seal) (Seal) tel= •-Borrower -Borrower Lowep.,Cumberland County My CExpires May 23 5 (Seal) (Seal.) - - wer -Borrower ps) Page 3 of 3 Form3138 6/94 I Certify this to be recorded In Cumberland County p,A Recorder of Deeds B 866PG 1361 s i I II i i I i i { i i i i I I I I i Date:5!13/04 T-me:4:45:12 PM t Re: Charles J. Snavely, sr. 2105 VALLEY STREET Paula J. Snavely ENOLA, PA 17025 CUMBERLAND County � MIHIT 'A' I ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at an iron pin in the center of the State Highway leading to ! Summerdale, known as Valley Street; thence along lands now or late of William Raymond, north forty-two (42) degrees forty-four (44) minutes twenty (20) seconds West two hundred eighty-eight and five-tenths (288.5) feet to a point;- thence along lands late of John Forney, south eighty (80) degrees forty-seven (47) minutes east, five hundred four (504) feet to an iron pin in the center of Valley Street aforesaid; thence by said Valley Street, south sixty three (63) degrees twenty (20) minutes west one hundred forty-nine and four-tenths. (149.4) feet to an iron pin in the center of said Valley Street; thence by said Valley Street, south sixty-four (64) degrees fifty (50) minutes west one hundred thirty (130) feet to an iron pin in the center of said Valley Street; thence by said Valley Street, south sixty-nine (69) degrees West One Hundred Eighty 1180 feet, more or less, the place of BEGINNING.. HAVING thereon erected a one and one-half story shingle clad bungalow known as No. 2105 Valley Street. _ i I I I I I i - I i I i I I Page:6 of 6 X1}1 I $ b u[,)J 1358 F a f'. R i • i � I I i i i - I I I ' i 'f NuUonstar Mortgage,LLC PRESORT PO Box 9095 First-Class Mail Temecula,CA 92569-9095 U.S.Postage and, Fees Paid W SO 7196 9006 9296 9629 57.211 Send Payments to. Nat3anstarMatgage RETURN RECEIPT REQUESTEi� 350 Highland Drive Lewisville,TX 75067-4177 201309341 fid I`I`I"'IIIII"'IIIIIIIIIII'II"II"IIIIIIIIIII'I"III1"III'Il" PAULA J SNAVELY ! 2105 VALLEY STREET ENOLA, PA 17025 I i I i I i i I I i I I I i PA NOl' I 4 Sent Via,Certified Mail 7196 91106 9296 9639 5721 t "s i i I 09/30/2013 I i i AMT 91 NO- TICE TAS ATIOIT TO SAVE ,YOUR. MCMI FROM FORECLOSURE This is..._an, official_notice that the Mort age on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM tHEMAP)may be able to help save your home. This Notice explains how the urogram works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and 12hone number of Conszuner Credit Counseling Agencies serving our Cour are listed at the end of tale Notice. If ou have an uestions -you ma call the _ . .._ ._ . Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397.(Persons with impaired hearing,can-call 17),780-1869), This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIPICACION EN ADJUNTO-ES DE SUMA IMPORTANCIA, DUES AFECTA SU DERECHO A CONTINUAR VWIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA, TRADUCCION 1NMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA- HOUSING FINANCE AGENCY) SJN CARGOS AL NVIVIERO IVIENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR.EL PROGRAMA LLAIVLADO "TTOMEOwNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PI7EDE SALVAR,SU CASA DE LA PERDIDA .DEL DERECIIO A REDIMIR SU HIPOTECA. FA_NOI Page2of7 7196 9006 X32% 9699 5721 i ROMEOWlv`ER'S.`NA E(S): pAUI 4 T S1VA tELY CHARLES.I SNAVELY SR PROPERTY'''ADDRESS. 2i05 VALLEY STREET ENOLA,PA 17025 LOAN-ACCT.NO: ORIGTNAL.I,ENDER: HOME EQUI`T'Y COMPANY TLC CURRENT LENDER%SERVICER' Natioirstai':M ftga re,ILC: ECO EO'4 NEWS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAX"BE ELIGIBLE FOR FINANCIAL.ASSTS!`.INCE WHICH CAN SAVE YOUR HOME FROM I ORECLOSURE.AND HELP YOU IY.IA,KE FUTURE MORTGAGE PAYMENTS: IF YOU COMPLY NVITH THE PROVISIONS :OF TRE .UONYI.EOWNEWS EMERGENCY MORTGAGE ASSISTANCE ACT OF`19133 (THE 'ACV%YOU MAY-BE ELIGIBLE.FOR.IMERGENCY MORTGAGE ASSISTANCE_ • IF YOURriEFAU T:ITAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • TF YOU DAVE A REASONA'13th PROSPECT OF BEING:AB.LE TO PAY YOUR MORTGAGE PAYMENTS,ANU • IF YOU MEET OA09'9 ELIG[BILITY RE0V=h!9T9ESTA)3tTS1 MD BY TM P ENNSY1r•.VAl�IiA ROUSING MANCE AGENCY: TEMPORARY STAY OV-Fop XUOSIJRE Under the Act;.:]nou:are entitled.to:a temporary stay of foreclosure on your roortgage for:thirty(30)days;from the date of this Notice.(plus three(3).:days:for.mailing). During that time you must arrange.and attend a"£ace=to=fay"-mcetiing with oue,of the consumer credit:couawling agencies listed at the end of this.Nofice. TATS 11EETI NG MOST OCCCIR WITfAN THIRTY-THREE (33�DAYS OF THE DATE Of THIS NOTlCE:. IF.Y'OU bO NOT APPLY FOR M&IROENCY MORTGAGE ASSISTANCE YOU MUST DR1NG YOM 11I GAGE D E.P OI; NOTI.°E C T Eb "HOW 1O CURE YO�t MORTGAGE DEF.A:ULP"E,1CI'LA1NS LIGW TO BRING YOUR.MORTGAGE UP TO BATE. t"ONSUMER.CREDr7i' COUNSELING,AGENCIES. . If:you meet with. one .of the consumer credit counseling agencies listed at.the.end of this Notice,:the lender,may.NOT fake aetici- against:.yoix for.thirty(30)days after the date of this meeting.. The.names,addresses,and klephone numbe'ts.of designated consumer credit counseling agencies for the county in:whirls the property.is located are set forth at the end of this Notice.. It is.only necessary to schedule one face-to;face meeting. Advise-your lender immediate!v of your intentions: APPLICATI(}N kft MbATGAGE ASSISTANCE-Your mortgage.xs.iu default for the reasons set forth later in this Notice:(see following pages:for spec fic, nformatiob about the:nature of your default): You have the right to apply for financial assistance from theI.Tomeowner's:Vmergency.Mortgage Assistance Program. To do so,you must£'ill out, sign and file :a completed Uo-meoavner"s.'Emergency Assistance Program Application with one of the designated consumer:.;credit counseling agencies:listed at the.end.of this_Notice. Only consumer credit counseling agencies have applications for lhe.program,and.they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To teoporariiy stop.a-it.ender from biling a foreciosure action,your application MUST be forwarded to PHFA ancl:�received yvEhici tliixt}r(3t?}.days of jour face=.ta face u3eeti og iyittz tlie.couriseling agency. YOUSHO i3'LD FILE.�4 HZM4P APPLYCATI'ON AS.S'0ONjS PQSSIBLF 1'F YO.U HSI VE A M'EETVVG W1' H A CO NSELEVVG AGP'NCY W[THN:33 DAIS OF:THE POSTMARK DATE OF TIIM N'OTWE AND FILE AN APPLICATION WITH PHFA .07TWAr 30 DAYS O.P THAT MEETING, THEN THEP ODER WILL BE TEMPORAR&Y•.:PR.EVENIED FROM START17VG R. FO1WCLOSUa: A.GAMST YOUR PROPERTY; AS LC"PLAXNBV A13OYL;17V"THE SECTION CALLED"TEI;IPOIZARY STAT;OF ly`0R6CLOSU E. FA NOi Page,3of7 7196 9006 5296 9639 5721 -.... __....._._.... ...................._........ . p k YOU HAVE TILE.RIGHT`TO FILE.A i.TF.M4-P APK fC'ATt'ON•"EVEN BEYOND TTI'F.SF. TIME PERIOD& A LATE APPLICA:T ON WILL.NOTYRE1!ENT THE LENDER FROM STARTING A FORECLOSURE ACTION, RUT IF YO10R.miPLtC4TION IS E.11ENTI7ALLF APPROP�D AT ANY TLVfE BEFORE A SHARI"FF'S SALE, THE`FORECLOSURE'WILL BE STOPPEi D. AGENCY ACTION-Available funds fur emergency mortgage assistance are very limited. They v611 be disbursed by the Agency.under the eligibility.criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days t6.mikea*,decis od after it ieeeives your application: During that time, no foreclosure proceedings will be, i pursuecl..abainst you.if:you have islet he time requirements set forth above. You will be, notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU: ARE CURRENTLY PROTECTED BY TIIE FILING OF A PCTITION IN BA:NKItUI'IC-V 'THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION j PURPOSES. ONLY AND .$HOULLD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT TFI DEBT(If.you:Dave riled ban uiptcy you can still apply for Emergency Mortgage Assistance,) HOW TO CURE`YOUR M012TGA E DEFAULT.(I3rhie it up to.dite,) i NATURE Ok THE,:DkFAULT=The MORTGAGE debt held by the above lender on your property located at: 2165_'V:ALtF-Y*.STREET 'ENOLA,PA.17025 IS SE.REOUSLY IN DEa;A-ULT because, YOtT UAXIE Nbt MADE MONTHLY MORTGAGE PAYMENTS for the following months and the fallowing amounts are'h6W Past 66! Next;Payment Due.Date: 08/01/2013 Total:Monthly.Payments Due: $1,597.20 Late Charges: $613.24 C).ther Charges:: LTneollected NSF Fees: $55.00 Other Fees: $15.00 Corporate Advance Balance: $678.30 Unapplied Balance: $( 1.40) TOTAL AMOUNTTA.ST-DUE: $2,957.34 ROW TO•C.M?E THE DEFAULT-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAY):NG T.EIKJOTAL AMOUNT PAST DUE TO TH•E LENDER, WHICH IS $2,957.34 PLUS ANY MORTGAGE:PkYMENTS AND DATE CIMGM WHICH BECOME DUE DURING THE THIRTY (30) DAY PERL.OD:. Payments must be made either:by cash, cashier's check,certified check, or money order made payable and sent.to: Nationstar Mnttgage;,L.t..0 380 Hintilaiid'prive: X evv sville,"CX,75oo-7-41'X7 IF YOU DO'NOT.CL1•RE TIEIE DEVAAULT. .-If you do not cure the default within THIRTY(30)DAYS of the date of this k4otice;the lender intends to exercise Its rights to seeelera_te_the mortenee debt. This means that the entire outstaczciYng tialsauce of this:debt:will be c i 4idered due immediately and you may lose the chance to pay the mortgage in monthly.installments. 'Lf'Wl payrueat 6f:the total amount past due is not made within TMTY(30) ]SAYS, the lender ahm-intends to instruct its attorneys to,start legal action to foreclose!Mort your mortaaj!ed pto»erty. �zy1ri XF TrM 1V ORTGACIF IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off the mortgage debt.: If the.lender refers.your case to its attorneys, but you cure the delinquency before the lender begins FA N01 Page4 ok1 7196 9006 9296 9635 5721 F k legal. proceedings against.you, you will still:be required to pay the reasonable attorney's fees that were actually x incurred,up to.$50.00: However; if legal proceedings are started against you, you will have to pay all reasonable e. attorncy's fees acfually incurred by:the lender even if they exceed$50.00. Any attorney's fees will be added to the amount yo4 owe elle je4der, which Way also include other reasonable costs. .If you cure the default within the THIRTY(90)DAperiod,von will`:not be required to pay attorney's fees; i TRT R I EiNUL�R'RF NZDIES: The.lender may also sue you personally for the unpaid principal balance and all other sums due udder the.mortgage,. _ RIGHT TO CURE THE DEFAULT PRIOR TO SH^1 IVR'S SALE-If you have not cured the default within the THIIMTY(3(1)'DAY period and foreclosure:proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the SheriWs Sale. You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sal .a dr c E connected with the Sheriff's Sa a as gRegified.in writigg by the lender and b gain an other reouiremonts utider the iiiortg=q..g .Curing your default in the manner set forth in this notice will restore your mortgage to the same posifiion:as.ifyon had never defaulted. I EARLIEST POSSIDLE SHERIF 'S SALE DATE-It is estimated that the earliest date that such Sheriffs Sale of the mortgaged propa_rty could be held would'be approximately 6 months from the date of this Notice. A notice of the actual date of the Shedirs Sale..vy IU6 scut to you before the sale. Of course, the amount needed to cure the default Will-increase the'lodger you wait. You,may ftnd out at any time exactly what the required payment or action will be by contaetin�the lender. flow TO.CF}NTACT THE C.;END"R: i Nome.of I:ender: Nationstar Mortgage,LLC � Address: 356 Highland Drir-e Lewisville;TX 750674177 Phone umber: 1-8$&4$Q 2432 lF`az Number: 1-972-315-,6827 Contact Person: Catalina Chamorro E-Maiil.Address; custoiner.service a7natimtstarmail.com EFFECT OF SEZRIFF'S.SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property add your.right to occupy:it.. If you continue to live in the property after the Sheriff's Sale,a lawsuit to remove you and yaur furnishings and other belongings could be started by the lender at any time. ASSUIVIP.TION OF MORTGAGE-You X may or_may not(CHECK ONE)sell or transfer your home to a buyer:or trmsferee.:who will assurne.the:mortgage debt, provided that all the outstanding paymegts, charges, and ahorney's fees:and costs are.paid.prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO HAVE THE RIGHT: TO':SEL, THE.PROPERTY TO'08.T.AIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OSS'THIS DEIST. • TO.IAVE..THIS.DEFAULT C'OR,ED BY ANY THIRD PARTY ACTING ON YOUR 13EHAU3. • TO RAVJB THE.MORTOAGE.RESTORED TO TEE SAME POSITION AS IF NO DEPAUI.,T HAD: 6C!bjRRE`D,IF YOU CURE TEIE;DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO_.CURR YOUR DEFAULT MORE THAN THREE(3)TIMES IN ANY CALENDAR:YEAR) PA MI Page5o07196 9006 9296 9639 9721 I . i • TO ASSERT THE NONE)ISTENC.;E OF A.DEFAULT IN.ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. i • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY 14A'VE TO SUCH ACTION BY THELENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUjM—R,_CREDTT COUNSELING 4GENCTES SERVING YODIt COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the,Fair Debt Collection Practices Act,Title 15,U S.0 1692(g),you may dispute the validity of this debt,or any portion'thereof, if you do so in writing within thirty(30)days after the rewipt of this notice.If you dispute the validity of this debt, or any portion thereof,within this thirty(30) days period we will provide you with written verification thereof,otherwise the debt will be assumed to be valid. Sincerely, Catalina Chamorro Dedicated Loan Specialist Nationstar Mortgage,LLC 1-8133-350-4398 ext. 8067046 350 Highland Drive Lewisville,TX 750674177 i I I I i. FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUI3JECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE *PM REPRESENTED BY AN ATTORNEY,PLEASE PROVIDE US WITH THE A'TTORNEY'S NAME,ADDRESS AND TELEPHONE NUMBER_ PA N0I Page6of7 7196 9001. 9296 9631 5721 i I i HEAIAP Consumer Credit Counseling Agencies CUMBERLAND County 1 Advantage Credit Counseling Service/CCCS of Western PA Community Action Comm scion of Capital Region 2040 Linglestown,Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of YorkfY Housing Resources Maranatha 290 WestMarket Suet 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-328.5 I . PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-2346616 717-264-5913 PA InterfaRb ConununityProgram Inc PHFA 40 E high Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1.7110 717-334-1518 1 717-790-3940 800-342-2397 i I I i I I i i I I I i l HC Page 7of7 7116 9006 9296 9639 5721 I . ^ " A. Received by (Pleasd Print Clearly) B.Apate oda C. S€gnature 7196 900 92 9 �, .. 0. is delllie addW d1#64ig from Rom I? If YES, enter delivery address below. cervlce Type CERTIF[ED MAIL lestricted Delivery? (&i`ra F'ee) Yes rt€cle Addressed to: WON-11 ti. P PAULA LA J ELY t �' 2105 VALLEY STREET ENOLA, PA 17025 7196 9006 9�96 9639 467? Fom 3811, January 200 Nationstar Mortgage,LLC PRESORT PO Box 9095 First-Class Mail Temecula,CA 92589-9095 U.S.Postage and Fees Paid WSO i I 7196 9006 9296 9639 5745 Send Payments to: NationsterMortgage RETURN RECEIPT REQUESTED 350 Highland Drive Lewisville,TX 7506714177 20130930.160 tElutili�nlll�ll4lillll,�,;Il�ilih�,44,IIl�,ill�iililit�lllii I CHARLES J SNAVELY SR 2105 VALLEY STREET ENOLA, PA 17025 { 1 t i I _ I i 4L N f PA_NOI S Sent Via Certified Mail 7196 9006 9296 9639 574S 09/30/2013 ACT 91 NOTICE TAKE ACTION TQC} SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the.mort a e.on.. our_-home_is in_default. and. the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP)may be able to help save your home. This Notice explains how the program works.To see if HEMAP can help,oust MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency, The name, address, and phone number of Consumer Credit Cotmseling Agencies serving our C21= are listed at the end of the Notice, I ou have anquestionsou maca11 the Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons with impaired hearing_can_call_(717)780.-1869).. This Notice contains important legal information. If you have any.questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VWMNDO EN SU CASA. S1 NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI(5N OBTENGA UNA TRADUCCIbN INMEDIATAIVIENTE LLAMANDO ESTA AGENCIA_(PENNSYLVANYA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ECXGIBLE PARA CIN PRESTAMO POR EL PROGRAMA LLAMADO "HOKEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DET DERECHO A REDIIVIIR SU HTPOTECA. y PA NOT Paget af7 7196 9006 1296 909 S74S i HOl! tOWNER'S*NA.ME(S): PAULA r SNNAVELY :CHARLES.I SNA.VELY SR PROPERTY ADDRESS: 2105 VALLEY STREET ENOLA,PA 17025: LOAN"ACCT,NO. ORIGINAL.LENDER: "CENTEX HOME EQUITY:COMPANY,'LLC" CURRENT`.LENDIER/SERVICERc Wationstar NMt1gage,LLC _HO E�E.R.Is EMERGENCY MORTGAGE ASSISTANCE YROGRAIVM YOU MAYBE MIGMLL FOP,VINAI.Cut ASSISTANCE WHICH CAN SAVE YOUR 1.i6 T FRQM FORUCLQ Pw AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU ;COMPLY 'VNgTH TILE :PROVISIONS .:01? ,TR. ROMEO.WrIlEWS EMERGENCY MORTGAGE ASSISTANCE ACT OF.1983 (THE:"ACV),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: 4 IF YOUR DEFAUI,'t HAS BEEN CAUSED.]BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF.YOU HAVE A REASONARI,E'PROSPECT OE.BEII�IG ABLE TO PAY YOUR MORTGAGE PAYMENTS,,ANI} IF YOf7 MEET 0111ER:ELIGIBILITY RE+QLMtEMENTS ESTA9LUHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF:F6RECLOSt7RE.-Uzitler rlte_Aot,yrru are entitlerl,.ta;a:temporary stay of foreclosure on your.mortgage for thirty.(3O)days:froib the.date of this Notice.(plus three(3);days for.mailitng). During that time you must arrange anis:attend:a"faee-to-faco ..meeting with:one.of the consumer credit counseling agencies kilted at the end of this.Notice. THIS MEETING lVIUSTOCCCJR WITHIN THIRTY-THREE (33)'bAYS OF THE DATE OF TDTS NOTICE.: IF YOU DO lV'OTr;.PPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING 'Y`OTJR MORTGAGE 'IV. TO DATE: THE PART OF THIS 1gOTICB.CALLED "HOW TO CURB YOUR MORTGAGE DEFAULT"EXPLAINS HOW TO BRING-YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUN§ LING.„AG;ENCIES - If_you i#.with,one .of-theconsumer credit counseling agencies,'listed at.the..end.o£.ttiis NotiCc;:the lender;nzay NOT take acttdn agaasE:}rou for thirty(30)days after the date Of this meeting,, The.halmes,addresses,and tole-phone numbers ofdesigdated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice;. It is only necessary to schedule one face4o=face meetuig. Advise your lender immediatelx of your intentions: APPLICATION FOR.MORTGAGE AASSISTANCE-Your mortgage:is iti default for the reasons set forth later in this Nodee(see foll.owiag pages:far speei. c in rmation about the nature of your default). You have the right to apply for financial assistance fromthe I4omeownei's;,Emergency;Mortgage.Assistance Prograiiz, To do so,you must fill out, sign arid.fle a completed Homenivner's: Ernergpai6y Assistance Program :Applieation with one of the designated consumer.credit:counseling agencies listed at the end of this Notice. Otily eansumer credit counseling agencies have applications for:the program,and they will assist you in submitting a complete-application to the Pennsylvania housing Finance Agency; To temporarily stop ttte.leueier°(roux:filiri;g'a foreclosure a4ion,your application MUST be forwarded to FHFAand reieived tivithici tliirEjr30}days o.£youi £ace-to.-face:meeting iv%th fhe counseling agency, YOUSHOULD FIL A 19'.L'MAP.APPLrcTIONAS SOONAS POSS'1BIF- 11 YOUHAPE A M-EETVVG WITH A COUNSELING AGENCY WITHIN 33 DAYS OF:THE POSTMARK DATE OF THIS NOTICE AYD FILA AN APPLICATION 97TH PHFA W(TIIIN.30 DAPS .0)7 TXIAT MEETVVG, T73EN THE LENDER WILL BE TEMPORARILY`..PREVENTED. FROJf START17VG A FORECLOSURE A..A1'NST YOUR PROPERTY; AS "PLALNED ABO.PE,1N'lAkSEC770N CALjT.ED"T.LWORARY STAAY OF F'ORECLOSU." PA NO] P3903 00 7196 9006 92136 9639 9745 i YOU:NAVA THir RI(:IIT.T D :i~tGl A IlFtl2AP APPr JC.,ATIOIV F.VEIV BEYOND TIIr*.S L" Tl�114 PLRIOIJS A. LATE APPLICATION LlflZi NO?"-PREVENT TIIE LENDER FROM STARTIArG A FORECLOSURE ACTION, BUT lF'.YOUR APPLIC47702V IS EYIENTt?ALLY APPROVED AT ANY TV$M BEPORA A SRERIFF'S S,4LP, TRE FORECLOSURE.WILL PE SPOPPED.. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by i the Agency.under.the eligibility.criteria established by the Act The Pennsylvania Housing Finance Agency has sixty (60) days to malce a.-de 4ision atl er it receives your application. During that time, no foreclosure proceedings will be pursued against you S:you Have met.the time requirements set forth above. You will be notified directly by the Pennsylvania Dousing Finance:Agency of its:decision on your application. NOTE:: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,: THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND. SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE HPMT..(tf youba.ve filed bankruptcy you can still apply for Emergency Mortgage Assistance.) ,HOW T4 CURE YOUR MORTGAGEDEFAULT (Pring-it.unto-date. NATURE OF TIA DEVAULT=The MORTGAGE debt held by the above lender on your property located at: 21 U5 SAT LEYSTRl;ET ENLA,.PA 17025.- Is 7025:IS SERIOUSLY INDEi~AULT because: YOU.HAVE NOT :MADE M—ON-MLY MORTGAGE PAYMENTS for the fallowing months and the following amounts are:nocv past due'. Next Payment Due.Date:. 08/0112013 ToW Monthly Payments Due: $1,597.20 Late Charges. $613,24 Other Charges: Vac+ollected NSF Fees. $55.00 Cather Fees: $15.00 Corporate Advance Balance: $678.30 Unapplied Balance: $� 1.401 TOTAL AMOUNTTAST;DUE; $2,957.34 HOW T6 CURE Ti]&DEIaAUI.I;-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYM!Q Tom' TO'T'AL AMOUNT PAST DUE, TO TIM LENDER, WHICH IS $2,957.34 PLUS ANY MORTGAGE:pAI'MENTS AND :LATE CUARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERI`OI?:. Payments must be made either by cash, cashier's cheek certified check or money order made payable and sent to: Nationstar Mortgage,LLC 350 ftiglilaad:bnve Lewisinlle;T3 75067=4177. IF YOU DO NOT:Ct=THE DEVAULT:=.If you do not cure the default within THIRTY(30)DAYS of the date of this Notim,*lie leader intends:to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this.delft;will be considered due immediately and you may lose the chance to pay the mortgage in monthly ipstalluients. .If frill payment of the total amount past due is not made within THIRTY(30)DAYS, the" lender also imteudsto>instruct its attorneys to:start legal action to foreclose upon your mortgaged property. ' IF TIM MORTGAGE IS FOREC'L:OSLD UPO)�-The mortgaged property will be sold by the Sheriff to ay off the g Y P mortgage debt.: Xf the:lendet:.refers,your case to its attorneys,but'you cure the delinquency before the lender begins PA NOJ Pagel d7 7L96 9006 9296 9639 5745 I legal proceedings against:you, ym will stipbe required to pay the reasonable attorney's fees that were actually incurred, up to.$50.00: However, if legal.proceedings are started against you, you will have to pay all reasonable attorney's:.fees adually incurred by.the lender even if they exceed$50.00. Any attorney's fees will be,added to the amount you owe tilt.lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY 1!eriod;you will not be required to pay attorney's fees. QT: ll .:REMEDIE5 The lender may also sue you personally for the unpaid principal balance and all other sums:due udder the-mortgage. RIGHT TO Cf]RE TIM DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THRTY(30) DAY period and.foreclosure;proceedings have begun, you still have the right to cure the default and prevent:the sale at any time up to one Hour before the Sheriff's Sale. You may do so by paying the total amount then past due,plus.any late:or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale,and any-other costs connected with the Sheriffs Sale as specified in writing by tl3e lender and by_performing any other reilirements under the niort�a Curing your default in the manner set forth in this notice will restore your mortgageto the same_posifion.as.if.you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such Sheriff's Sale of the tinortgaeel proper ty:cottld.be held would be approximately 6 months from the date of this Notice, A notice of the actual date of the.Sheriffs Sale:,,!11.tie;snit to you before the sale. Of course, the amount needed to cure the default will increase the longer yoi}wait. You may find out at any time exactly what the required payment-or action will be by contacting the lender. HO'W TO-CONTACT THE'LENDERa Nara$of..Lender: N.ationstar Mortgage,LLC Address: 350liigWand Drive Lewisville,TX 750674177 Phohe Number: 1488-490-24-32 Fag:Number: 1-972-315,6827 Contact Person: Catiliria Chamorro E-Mail Ad lress; customer.serviceenationstarmail.com EFFECT.OF.SHERIFF'S`SAIZ -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your:right to:occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE=Ydd X may or_may not(CIIECK ONE)sell or transfer your home to a buyerr or transferee who will:assume.the..mortgage debt, provided that all the outstanding payments, charges, and attorney'.s.fees:and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied YO10 MAY ALSO HAVE THE RIGHT: TO NELL-ITIE PROPEXTY TO OBTAIN MONEY TO PAY OFF THE,IE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE.THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO 14A"VE:TIIE.MORTGA6E:RPS.TOR.ED TO TIS SAME POSITION AS IF NO DEFAULT HAD OCCt1RRED,IF YOU CURE THE.,DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO:.CURE YOUR.DEFA:ULT MORE THAN THREE(3)TIMES IN ANY CALENDAR YEAR) PA N01 Page,5'of7 7196 9006 9296 9639 5745 f TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE.PROCEEDING N OR ANY OTHER LAWSUIT.INSTITUTED UNDER THE MORTGAGE DOCUMENTS. i • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER I • TO SEED PROTECTION"UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELYNG AGENCYES..S;ERVIiNG VOUR..COUNTV CAN BE LOCATED ON THE ATTACHED LIST In accordance with the:Fair Debt Collection Practices Act,Title 15,U.S.0 1692(;),you may dispute the validity of this debt,or any portion th4reot if you do so iti writing within thirty(30)days after the receipt of this notice.If you dispute the validity of this debt, or any portion thereof, within this thirty(30) days period we will provide you with written verification thereof,otherwise the debt will be assumed to be valid. I Sincerely, Catalina Chamorro Dedicated Loan Specialist Nationstar Mortgage,I LC 1-888-850-9398 ext. 8067046 350 Highland Drive Lewisville,TY 75067-4177 i I I -f i I I . FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATIONOBTAINED MAY BE"USED FOR THAT PURPOSE.TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR . INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN ATTORNEY,PLEASE PROVIDE US WITH TYKE ATTORNEY'S NAME,ADDRESS AND TELEPHONE NUMBER- PA N01 Paje6 of 7196 9006 9296 9639 5745 -HEMAF Consumer Credit Counseling Agencies CUMBERLAND County Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown 12oad 1514 Derry Street Harrisburg,PA 171;02 Hwisburg,PA 17104 883-511-2227 i 717-232-9757 Housing Alliance of YorklY Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762.3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 171!02 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 13ardsburg,PA 17110 717.334-1518 717-780-3940 800-342-2397 s I i I 1 t HC I Page 7of7 7196 9006 9296 9639 574S 0 cle Number COMPLETE +. A. Received by(Blease Pd.nt Ct riy) 0« Dat$q I 0. Signature 7196 9006 9296 9639 5748Ix D. li delivery address *ent fry tem i?, If YES, enter delivery address ba ow: ervlce Type CERTIFIED MAIL restricted Delivery? (Extra Fee) f7yes rticto Addressed to: CHARLES J SNAVELY SR 2105 VALLEY STREET ENO LA,, PA 17025 9A 9 9006 9296 . 9639. 9639 574, Y ry a`IYMMYWYYMMrYY YY 111N Ryk�Y�4• y� � �y w ,�i YIRY '� R • w'W'�R �/'� Fnri 311 , January i I I Nationstar Mortgage,LLC PRESORT PO Box 9095 First-class Mail Temecula,CA 925899095 U.S.Postage anti Fees Paid W SO 7796 9006 9296 9639 5774 Send Payments to: NatlonstarMortgage I RETURN RECEIPT REQUESTED 350 Highland Drive Lewisville,TX 7506714177 20130930-160 l�l�l'lIl'11'II'lI'1'IIIIt8ItI'I'1I'I'II]r If III'Ip111itIll[I PAULA J SNAVELY 1612 3RD ST ENOLA, PA 17025 r _ E - 1 1 t PA NOI i k Sent Via Certified Mail t. 7196 9006 9296 9639 5714 ,I I 09/30/2013 ACT 91 NOTICE TAKE ACTION TO SAYE YOUR HOME FROM FORECLOSURE This is an official notice that the most a e on our home is in defanl....._and_the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP)may be able to help save your home. This Notice exlDlains how the program works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT i COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies semina our C211g are listed at the end of the Notice. 11 .gu have an uest ons. _ _ou ma call the Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons with impaired hearing can ccall 717 780-1859), This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explant it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SO CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTMCAC16N OBTENGA UNA TRADUCCION INMEDIA'TAtV.IENTE LLAMAND© ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DL LA PERDIDA DEI. DERECFIO A REDIMIR SU HIPOTECA. >€ PA TFOI Page 2of7 7196 9006 9246 4614 9714 , f r I-IO1kiI.EOWNEWS NAME(S): PAUT-A I SNAVELY CHARLES Y S1VAVELY SR PROPERTY:�DDRE, . SSz °2I05'VALLEY S1'itEFT ENOLA,PA 17025 LOAN ACCT.IVO:: _ { ORIGINAL LENDER: ".CENNT]EX ROMM EQUITY COMPANY,LLC CURRENT.LENDER/SERVId�R: :Nationstar 1YIoMage. ttC 11 3�V1E0' EXt' EMERGENCY AOTITGAAC�t ASSISTANCE PRt�GR.AM � YOU MA.I''BE ELIGIBLE FOR-FINANCIAL.ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE'FUTURE MORTGAGE P.AYMENT3 IF YO'0 .COMPLY W)[TH THE:PROVISION'S :OF THE )HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OV 1983 (THE "ACT"),YCOII MAY BE'ELIGIBLE FOR.LMERGENCY MORTGAGE ASSISTANCE: • IF YOUR:DEF'AMT.RAS BEEN CAUSED..BY CIRCUMSTANCES BEYOND YOUR CONTROL, + IiF YOU HAVE A REASONABLE PXtOSPECT OF BEING 00E TO PAY,YOUR MORTGAGE PAYMENTS,.AND XE YOU MEET OTHER:ELIGIBILITY REQYJIREMENTS ESTA13LISKED BY THE PENNSYL.YANIA]SOUSING FXNANCE AGENCY. TEM PORARY''STAY OP. FORECLOSURE-'Under the,Actyou:are entitled,to:a temporary stay of foreclosure on your mortgage for.thirty(30).days:from the date of this Notice(plus three(3):days for mailing). During that time you .must arrange and attend a"£aceto-face'.;meeting:v.vitlx:one.of the consumer credd.counseling agencies listed at the end of this Notice. TATS STING -W$T OCCUR WITHIN THIRT 4HREE'(33 ,DAYS OF THE DATE OF TMS NOTICE:. Il;'.Y DO:N'OT APPLY FOR EIy1E1ZGENCY MORTGAGE ASSISTANCE.,YOU MUST BRING YOUR MORTG.AGPI 'UP TO DATE. E I'-AIT OF' .THIS NOTICE. CALLED "HOW TO CURL YOUR MORTGAGE DEFAULT"E)TLAINS HOW TO ffPJNG.YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNS`ELING._AOtNCIES. -.If'yoli meet;with, oiii of the. consumer credit counseling agencies:listed at:the::end of this i�Todce,the leniier�riay N.OT talze action age nst:yciu foi,thirty(30)days after the date of this meetia�.. The names, "addresses.and felephoiie numbers.of desiggated consumer.credit counseling agencies for the county in which the_property is located are set forth at the end of this Notice.. It is only necessary to schedule one face-to-face meeting. Advise-your lender immediately of your inieotions. APPLICATION FOR.1V1ORTGAGE.4SSISTAN- CE.-Four mortgage is in default for the reasons set forth later in this Notice(see following pages for specific: nforiu.. on abut the:nature .of.. .your defaul:t): You have the right to apply for fuaamcial assistance from.the Homeowner's.Emergmey;Mortgage Assistance program. To do so,you must fill out, sign and:file a completed Homeowner's.-Emergency.Assistance Program Application. with one of the designated consumer:credit counseling agencies listed at the,end of this Notice. Only consumer credit counseling agencies have applications for.the program,and"they will assist you in submitting a complete application to the Pennsylvania.Housing Finatace.Agency: To temporaiily stop the tender fromfiligg a foreclosure action,your application MUST be forwarded tp PHFA aad_received within thirty(30)days of y.q£a'ce'to.fact m:eetWg Evith Ole counseling agency. YOU SO'OVLD FILEA HEM.4P.APPLICATION AS SOQ)V'.AS PO SrB E. I'F X'f)UHAYE A MEETEVG WffH A COUNSELING AGENCY WITH N:33 DAYS OF TIM POSTMARKDATE OF TMIS NOTICE AND FILE AN APPLICATION WITH PH'FA WITHIAr 30 DAYS OF 7'VAT MEET. MG, T FN THE LENDER WILL BE TEMPORARILY -PREYENTED. 'FROM STARTIN`G A FORECLOSURE-'AGAINST YOUR PROPERTY, AS EXPLAINED ABODE,IN TILE SECTION CALLED "T.&AIP'ORARYSTA Y OF FORECIOSUAL, 11 PA NQ1 PagO o l 7196 9006 9296 1639 5714 POU.MADE TUPAUGHT TOM.X_ A .11EM.4P A PPUCATIONEPWAr.21.17YOND TffFSF TlAff- PHRIODS. A LATE APPLWATION WILL NOT PREVENT THE LENDER FROM ST 4RTING A FORECLOSURE ACTION, BUT 1k46U1?A?PL"P16N ISEV,61VTUALLY APPROVED AT ANY T1M8'8_EP`Ok9 A SifERIFFSSALE, THE:FORECLOSURE WILL BE STOPPED. AGENCY ACTION.-Available,Ainds fouernergeacy mortgage assistance are very limited. They will be disbursed by the Agency.urider.-the eligibility-criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days td-make 4.dic.cisiloh.after it iddei.vq§your application. During that time,no foreclosure proceedings will be, pursued.against yoa.if. *have; inef,the time requirements set forth above. You will be notified directly by the 14 . you - Penmylv-ariia Housiqg.Vinance Agency of its decision on your application- NO!)E!: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLYAND .SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT TAE DEBT(Ifyouhave filed bankruptcy you can still apply for Emergency Mortgage Assistance.) '110W.T.O.CMEN01MMOR GAGE DEFAULT(Brin2it up to date.) NATURE OF THE DEFAULT-:The MORTGAGE debt held by the above lender on your property located at: 2105 VALLEY STT T. ENOLA,PA-17025 IS SERIOUSLY IN DEFAULT because; YOU .HAVE-N OT. MA 8'1V1 oNTHLy:MORTGAGE PAYMENTS for the, following months and the following amounts areliow past due. NextPaymejal Due,Mte; 08101/2013 Total Monthly.Payments Due; $1,597.20 Late Chat-ges: $613.24 Other' Charges:. . Uncollected NSF Fees. $55.00 _ Other Fees: $15,00 Corporate Advance Balance. $678.30 Unapplied Balance: ($1.40) TOTAL,AMO UNTPA SrDUIE: $2,957.34 110W TO CtAlt tin You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING TJ1E TOTAL AMOUNT PAST DUE TO T11F LENDER, WHICH IS $2,957.34 PLUS ANY MORTGAGE:PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (M) DAY PERIOD, Payments must:be made either by cash, cashier's check,certified check, or money order made payable and sent to: Nati6iistat.Uqrqra8p,.UC 350 Highland Drive- IF YOU DO NOT CVRE TfMj)EFAt)tT=If you do not cure the default within THIRTY(30)DAYS of the date of this the lender inteuds to exercise its rights to accelerate the morttyage debt- This means that the entire outstanding balance of this:debt. bo,considered due immediately and you may lose the chance to pay the mortgage in monthlyjwtallmebts. jf Wj'paywent Ofthe total amount past due is not made within THIRTY(30) 'DAYS, the lender also intends-to instruct its'attorneys to.start legal action to foreclose upon your mortgaged 12rgg EYF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the-Sheriff to pay off the moogAgq 461.it Iff.be.lender fe&r9:_Yottr c4s..e to its attorneys,but you cure the delinquency before the lender begins PAN01 Page 4 of.7' 7196 9006 9296 9639 5714 i legal. proceedings against.:you, you will.shill:be required to pay the reasonable attorney's fees that were actually incurred,up to $50.0.0, Vow.evcr; if legal.proceedings are started against you, you will have to pay all reasonable attorneys'fees.actually incurred by she lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe Elie.fender, 14ch'may also include other reasonable costs. If_ You cure the it within the j Tl IIRI Y(301-DAY period.you.-OW not be-rcuuired to pay attorney's fees: OTBER LENIiEk RElvtEblES:- The lender may also sue you personally for the unpaid principal balance and all other suinsAue udder the mortgage. RIGHT TO CUR TYTE IIEVAULT PRIOR TO SfW RWRIS SALE-If you have not cured the default within the THIRTY_(3Q)DAY period and foreclosure:proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale, You may do so by haying the total amount then past due, plus:any late or other charges then duet reasonable attorney's fees and costs connected with the foreclosure sale and an' the c t c' cried th tlje Sheri.#l's Sale as eaified in writin b the lender and b. er ormia an otherrequirements Ander t2 e mdrt'a-fie. Ctid g your default in the manner set forth in this notice will restore your mortgage,tu the same posidon..as if you had never defaulted. EARLIEST POSSIBLE.SEM,RIVYS`SALE DATE -It is estimated that the earliest date that.such Sheriff s Sale of the mortgaged property:couId be field would be approximately 6 months from the date of this Notice. A notice of the actual plate of the:Sheriffs Sale Will:be.sent to you before the sale. Of course, the amount needed to cure the de; Cult will increase the loziger yziu waif. You may end out at any time exactly what the requu•ed payment or action will be by contacting the lender. now TO CONTACT Tthr,L)H l�bER: Name.of Tender: Nationstar Mortgage,LLC .Address: 350 Higjdaud Drive Lewisvi)le;TX 750674177 Phdhe Niimiber_, 1,-W-4$0 2432 FAkNumber: 1-972.315,6827 Contact Person: Catalina Chamorro E-Mall Address; custormer,serviceAnationstarrnail.com EFFECT..OT.SHERI)ali S:SALE :You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupyit...If you continue to live in the property after the Sheriff s Sale; a lawsuit to remove you and your`furnishings and other belongingscouldbe started by the lender at any time, ASSUMPTION OF MORTGAGE You X may or_may not(CHECK ONE)sell or transfer your home to a buyer..or transferee:who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's.fees:and.costs are.paid.priot toor of the sale and that other requirements of the mortgage are satisfied Y Oi l MAY ALSO HAVE THE RIGHT: ! TO:SELL THE f'ROPERT"Y•TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO 13ORROW MONEY MOM ANOTH M, LENDING IIS STITUTION TO PAY-OFF THIS DEBT. + TO.HAVE.THIS.DEFAULT CURED BY ANY THIRD PARTLF Y ACTING ON YOUR BEIIA . TO HA`'E THE MORTGAGA RESTORED TO THE SAME POSITION AS Ili'NO DEFAULT HAD C O.CURRED,IF YOU CURE 7T- -DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO URE YOUR DEFAULT MORE THAN THREE(3)TIMES IN ANY CALENDAR YEAR) PA rroz Page5..,CT 719.6 9006 9296 1634 5714 i i • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING I OR ANY OTHER LAWS'U'IT INSTITUTED MINDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION 13Y THE LENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. i CoNSV-MR.CIMIP -COUNS)KL)NG.AGENCIES.SERV)NG.YO?t7R.COUNTY CAN BE'LOCATED ON TII"E ATTACKED LIST In accordance with the Fair Debt Collection practices Act,Title 15,U.S.0 1692(g),you may dispute the validity of this debt,or any portion thereof,if you do so in writing within thirty(30)days after the receipt of this notice.If you dispute the validity of this debt, or any portion thereof, within this thirty(30) days period we will provide you with written , verification thereof,otherwise the debt will be assumed to be valid. Sinc�'ely, - i Catalina.Chamorro Dedicated Loan Specialist Nationstar Mortgage,LI.C. 1-888-850-9398 ext. 8067046 354 Highland Drive Lewisville,TX 75067-4177 I I i i - - I i f - _ i I " FEDERAL LAW RE(UIRES US TO ADVISE YOU THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR.AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. `I'O THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBTECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE '!ri REPRESENTED BY AN ATTORNEY,PLEASE PROVIDE US WITH THE ATTORNEY'S NAME,ADDRESS AND TELEPHONE NUMBER. PA NOT page 6of7 7196 9006 9296 9639 5714 i i R Nationstar Mortgage,LLC PRESORT 3'O Box 9095 First-Class Mail Temecula,CA 92589-DO95 U.S.Postage and Fees Paid SO f 7396 9006 9296 9639 5738 Send Paymerts to: Nationstar Mortgage RETURN RECEIPT REQUESTED 354 Highland Drive -Lewisville;TX 75D67-4177 I 20130930-16D i `��I'I�III"I1��1'lll'�"�I�n1111��IIIzIf��i�r�Irllill�lklltll'I� CHARLES J SNAVELY SR 1612 3RD ST ENOLA, PA 17025 i j I PA NO1 .l 1 I I Sent Via Certified Mail 7196 90136 9296 9639 5738 09/30!2013 ACT 91 NOTICE TA]r,%* :E ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the wort a e on your home is in defaul and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP)mal be able to helu save your home. This Notice explains how the proggram works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE-DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving you County are listed at the end of the Notice.....If you have_any.cluestions,..you rnav call the Penns r�lvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons with imziaired hearing can,caJl(7171784 18691. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help,explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a Iawyer. LA NOTIFICAC16N EN ADTUNTO ES D'E SUMA IMPORTANCIA, PLIES AFECTA SU DERECRO A CONTINVAR"VMENDO EN SU CASA. SI NO COMP'RENDE EL CONIENIDO DE ESTA N0,1'MCAC16N OBTENGA UNA TRAD 1CC16N DMEDIATAMENTE LLAMANDO ESTA AGENCIA (.PENNSYL'VANIA, HOUSING KNANCE AGENCY) SIN CARGOS AL NUIVIERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEO'WNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" ET., CUAL PTIEDE SAL'VAR SU CASA DE LA PERDTDA DEI, DERECHO A REDTMIR SU HIPOTECA. PA N01 Page2 of 7 7196 9006 9296 96991M6 .w I HOMEO:WNER'S.NAME(S): PAULA J SNAVELY :CHARLES l'SNAVEI:Y SR PROPEkT.V A1.)I)RESS: 2105 VALLEY STREET ENOLA,'PA.1.7025 LOAN-ACCT.NO ORIG-INAL.LENDER. ".CENTER BIOME EQUITY COMPANY,TLC CURRENT.LENDE-RfSERigCERr :Naatioitstor1Vtgrtgage, HOMEOWNE 'S EMERGENCY` ORT.AGE ASSISTANCE 'PROGRAM YOU MAYBE ELIGIBLE FORYWANCIAL-ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELPYOU"MADE FUTURE MORTGAGE, PAYMENTS: IF YOU ,COMPLY WIT)€I. THE:;PROVISIONS,:OF THE ROMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OV.1483 (THE "ACT"), 'Y'OU MAY 73E ELIGIBLE.FOR-EMERGENCY MORTGAGE ASSISTANCE + IIS'YOURDEFAULT HAS BEEN CAUSI TD.RX CIRCUMSTANCES BEYOND YOUR CONTROL, + IF-YOU HAVE REASONABLE??ROSPECT OI'"BEING ABLE T(d.PAY YOUR MORTGAGE PAYMENTS.AND IF YOU MEET OTIMR:ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING VINANCE.AGENCY. TEMPORARY:STAY OF 1FORECCOSCRE-todek the:Act;you ar&entitled'.ta a:temporary stay of foreclosure on your xriortbage fur:thirty(3.U)'days-from the date o£this Notice.{plus tbTee(3).,days for mailing). During that time you must arrange and attend a"faccAo=face".tweeting*ith one.of the consumer credit.counseling agencies listed at the end of this Notice. `THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33)DAYS OF THE DATE OF THIS NOTICE:. lY YOU DONOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE; YOU MUST BRING YOUR MORTGAGE AV TO DATE. THE.P_ART Op TY1IS NOTICE. CALL "HOW TO CURE YOUR MORTGAGE DEFAULT"EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE✓. CONST NxR.:(*1DIT COUNSELING.AGENCIES -. If you meet ivitl. one of the consumer credit counseling agencies:listed at tate end of this Nottce;:the lender inay:NOT take action agau5st,you for.thirty(30)days after the date of this meeting, The.names, addressm and:teieohone.numbers.ofdesianated consumer credit counseling agencies for the county in:which theproperty is located are set forth at the end of this Notice. It is.only necessary to schedule one face-to�Iuce meeting. Advise.your-leaider immediately of your intentions: APPLICATION FOR MORTGAGE ASSISTANCE -Yo mortgage:is in default:for the reasons set forth later in this Notices pages for specific;:information.about the nature of your&,fault): You have the right to apply for fidancia#Assistance from the HomdoWher's Emergency'Mortgage Assistance Program. To do so,you must fill out, sign and.Ole :a completed Ioniooivner'g hnaergency.Assiga;riee Program Applica.tiori.with one of the designated consumer:credit.counseling agencies"listed at the end of this.Notice. Only consumer credit counseling agencies have applications for:the.program,and they wi11 assist you in submitting a complete.application to the Pennsylvania Housing Finance Agency. To temporarily stop the.:lender frou'►:filI.iri.g a foreclosure action,your appI' tioa MUST be forwarded to MA a"nd.received witbin thirty(30)days of your faire-464ace'imeeting' with the,*coumeliag agency- YOU SHOULD FILEA gency.YOB'SHOULD'FILE.A HEMAPAPPLICATIONASSOON.ASPOSSIBLE IFTOUfIATI.S'AMEETING 077 A COUNSELING.A.GENCY WITHIN 33 DAPS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN.30 DAB'S OF TI1AT MEETING, TEEN TM LENDER WILL RLr TEMPORARILY'".PARYIENTED FRO 1' STARTING A. FORECLOSURE AG:ALYST YOUR PROPERTY, AS E"LAINED ABOTIE,IN THE SEECTION CALLED"TEMPORARY STAY OF FOR.LCLOSCRE." PA_N01 Page3of? 7196 9006 4296 9639 5738 YO rf.ffA W, THJT JUCWT TO P A HFMAP Apel fCA TIO.S.F,VF VV'RE H ,YONI) F T NP TR IP PFRIODS A LATE APPLICA TION WILL,NOT PA9VENT THE LENDER FROM STARTING A FORECLOSURE ACTION, RUT IF FOUBAPPLIC4 T701V,1S EVENTUALL V APPROYF30 AT ANY TLUE)WFOREA SVERIFFIS SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION.-Available funds for emerStney mortgage assistance are very limited, They will be disbursed by the Agmey.under,the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)'days to.make a;decision' a.&F it receives your application. During that time,no foreclosure proceedings will be Pursued against,Y6,4 if-yoti,11aV6 md. the time requirements -set forth above. You will be notified directly by the Pennsylvania Housing.. ..pinance Agency of ftsAecision on your application. NOTE: IF Y-0U, ARE. CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANXkU*PTCYTHE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES:ONLY ANR SHOULD -NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.(If-you halve filed Jbankruptcy you can stillapply for Emergency Mortgage Assistance.) )ROW 10CURE X A.,MORTGAGE DEFAULT(Aring lt,uw to,date.) NATURE OjFTftjF,)j1#AUtT-:The MORTGAGE debt held by the above lender on your property located at: 2105 YALLEY'STPAR9T ENQLA,.PA 17025: IS SERIOUSLY IN DEFAULT because-, YOU. HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amoVhtsAr6no*wp,1stdue. Next Payment Due Date:. 08101/2013 Jotal'Monthly.Paynimitsbue, $1,597.20 Late $613.24 Offer Ch irges-, Uncollected NSF Fees; $55.00 Other Fees: $15.00 Corporate Advance Balance: $67830 tJnapplied Balance: ($1.40) TOTAIL-AMOVNYVAS.T)DUE: $2,957.34 HOW TO-CURIE THE DEFAULT:.-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING :TM..TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH 13 $2,957.34 PLUS ANY MORTGAGE PAYMENTS AND )LATF, CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD, Payments must be made either by cash, cashier's check,certified check, or money order-made payable and sent: o: LC 350.Mghla.RdDrive. IF VOID'DO NOT CQM TIMMErAMT,If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the Wader Intendslo exercise its rights to accelerate the worterage debt. This means that the entire outstaridi.hg bdlance of this.debt will be-considered due immediately and you may lose the chance to pay the mortgage in If-full pkytaebt of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys toistart legal action to fo *_r"1 eu o fur os ---p nj nrouerty V�t, IF TIM MORTGAGV,IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage.deb,t, Iffhe lender refers:yourcase to its attorneys,but you cure the delinquency before the lender begins PA N01 Paje4 of7 7196 9006 9296 9639 5738 i i legal. proceedings against.you, you. will,still.be required to pay the reasonable attorney's fees that were actilally incurred, up to $50.110 However, if legal proceedings are started against you, you will have to pay all reasonable attorney's'fees;actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you.ave the.tender, which in also include other reasonable costs. If von cure the default within the THIRTY:(30)DAY P60od,you tivi.11`not be required to tray attorney's fees. i OTHER LENDER REWDTE.S.-"The.lender may also sue you personally for-the unpaid principal balance and all other surus:'due under 11ee.1nortgage. RIG13T TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-Xf you have not cured the default within the Tiffi;UY(3a)DAY period.anal. foreclosure.proceedings have begun, you still have the right to cure the default and prevent the sale at an time u to one hour before the Sheriffs Sale. You may do so by pa "ngg the total amount then past due,plus-any late'or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale grid any6tket cost connected". .'e . eri s Sale as eci. ecl i_ writin b e der and li er£ormin any other tegitirernehfs tinder tile-mortgage. '.Cdrjog your default in the manner set forth in this notice will restore your m6rtgage to..the samepositiowas.if you hail irever defaulted_ EARLIEST POSSIBLE SHERIf' S SALE DATE-It is estimated that the earliest date that such.Sheriff s Sale of the mortgaged property:could_be held would be approximately S months from the date of this Notice. A notice of the actual hate of the:Sheriffs Sale,aill.roe sent doyou before the sale. Of course,the amount needed.to cure the default Will increase the longer,you wait: You may:f<nd out at any time exactly what the required payment or action will be by contacting the lender. now TO CONTACT THE YLNllER: Name.af Lender: Natioustar Mortgage,LLC Address: 35o]highland Dative Lewisville;TK 750674177 l.'hoiie 1`Turrilie'r: 3�88$�480-2432 _ p'as Number: 1-972-.315-6827 Contact Person- Cataluna Chamorro 1$-1i AI*Address; custoirier.service(&nationstarmail.com F,FFFECT OF SHERIFF'S.SALE-*You:should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your:right to occupy it,..Ifyou continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. - ASSUMPTION OF MORTGAGE- You X may or_may not(CHECK ONE)sell or transfer your_home to a buyer.,or transferee.-wha will:assume.the.,mortgage debt, provided that all the outstanding payments, charges, and attorney's;fees and,costs are.paid prior to or at the sale and that other requirements of the mortgage are satisfied SOU MAY ALSO HAVE THE RIGHT: s TO SELL THE PROPERTY TO OBTAIN IN MONEY TO PAY Off THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO.HAVE.TIIIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO'HAVE-THF MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED,W YOU CURE THE DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO C7-1'.ltl;YOUR DEFAULT MORE THAN THREE(3)TIMES IN ANY CALENDAR YEAR.) FA NOI Page 07 71.96 9006 4246 9639 5738 i a TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. I + TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TIME LENDER, I - i • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSU CREDIT COUNSELING AdENCM.,$E.R81NG..YoVP,,COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act,Title 15,U.S.0 1692(g),you may disputa the validity of this debt, or any portion thereof,if you do so in writing within thirty(30)days after the receipt of this notices.If you dispute the validity of this debt, or any portion thereof, within this thirty(30) days period we will provide you Arith written verification thereof,otherwise the debt will be assumed to be valid. Sincerely, Catalina Chamorro Dedicated Loan Specialist Nationstar Mortgage,I!LC 1-888-550-9395 ext. 8067046 350 Highland Drive Lewisville,TX 75067-4177 1 i i I FEDERAL LAW R QUIRES US TO ADVISE YOU.THAT NATIONSTAR MORTGAGE, LLC IS A DEBT COLLECTOR AND THAT THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED _ MAY BE USED FOR'THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKXT_1PTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL. PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN ATTORNEY,PLEASE PROVIDE US WITH THE ATTORNEY'S NAME,ADDRESS.AND TELEPHONE NUMBER. PA N01 Page6of7 7196 90a6 9296 9639 5738 RETVYAF Consumer Credit Counseling Agencies CUMBERLAND County Advantage Credit Counseling Service/CCCS of Western PA. Community Action Commission or Capital Region 2000 T.ing'testown Road 1514 Derry Street Hairisburg,PA 17102 Harrisburg,PA 17104 883 511-2227 717-232-9757 i Housing Alliance of Y6rUY Housing Resources Maranatha 290 West Market Street 43 Pluladelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA-17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Ptvgrams Inc PHFA 40 Ts High Street I 211 North Front Street Gettysburg,PA 17325 Hanlsburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 I I i I - 1 HC Pagel of 7146 -9006 9246 9639 5736 I • i; is r HEMAF Consumer Credit Counseling Agencies CUMBERLAND County i Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 I inglestownRoad 1514 Derry Street i Harrisburg,PA:17102 Harrisburg,PA 17104 I 888-511-2227 717-232-9757 i Housing Alliance of YorkfY Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PatbStone Corporation 1625 North Front S t 450 Cleveland Ave Hardsburg,PA 17102. Chambersburg,PA 17201 717-2-346616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 i i I j i I i i i I i HC Page 7of7 7196 9006 9296 9639 5714 I I i f - 1664 THE COURTS FORM 1 Nation-star Mortgage LLC f/k/a Centex Home IN THE COURT OF COMMON PLEAS Equity Company, LLC CUMBERLAND COUNTY, 350 Highland Drive PENNSYLVANLA, I Lewisville, TX 75067, Plaintiff, / ?CIVIL Vs. ' Paula J. Snavely a/k/a Paula Snavely i 1612 3rd St - Enola,PA 17025, .m c--l", r and Charles J. Snavely a/k/a Charles Snavelya 1612 3rd St � Enola,PA 17025, '- 7 Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. i If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference.First,within twenty (20) days of your receipt of this notice,you must contact MidPenn Legal Services at(71.7)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed.a legal representative,you must promptly meet with that legal representative within twenty(20) days oflthe appointment date. During that meeting,you must provide the legal representative within twenty(20) days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto;the legal representative will prepare and file a Request for Conciliation Conference with the Court,which must.be filed with the Court within sixty (60) days of the service upon you of-the foreclosure complaint.-If you do so and a t E conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your-lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer' with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the . format attachedhereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60)days 6f the service upon you of the foreclosure complaint.If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM ISYREE. ec ly submitted: Ll b/2A- Date Ro ert W. Williams,Esquire Milstead&Associates, LLC 1 E. Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190 (f) i i THE COURT'S 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program s Financial Worksheet Date Cumberland County Court of Common Pleas Docket It ' I BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: .. Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes❑No❑ Listing date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: _ State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? s :• RO Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? 1 t ' First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Banlauptcy?Yes❑No❑ 9.30268 ' f i 1666 TIM COURTS If yes,provide names,location of court,case number&attorney: i Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $� $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1:Model: Year: Amount Owed: Value: Automobile#2:Model:. Year: Amount Owed: Value: Other transportation(automobiles,boats,motorcycles): Model.: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 2. 3. Additional Income Description.(not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2° Mortgage Utilities Car Payment(s) ! Condo/Neigh.Fees Auto Insurance Med. not covered) Auto fuel/repairs Other prop.payment Install.Loan Payments ents Cable TV Child Su ort/Alim. Spending Money. Da /Child Care/Tuit.. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency?. Yes❑No❑ If yes,please provide the following information: Counseling Agency: Counselor- Phone ounselorPhone(Office): Fax: 930268 2 I THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: i Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information,if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: "TljORIZATibN� I/We, authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my fmancial'situation for possible mortgage options.I/We understand that Uwe am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation(hardship letter) ✓ Listing agreement(if property is currently on the market) 9.30268 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff tm�° � C�mm'�~ Jody SSmdh �~ -� \311 20 P° Chief Depu ' rr` [r'ut r Richard VStewart U gER1 AHD Solicitor ~' - AC-, Nationstar Mortgage LLC Case Number vs. 2414.4-34+F Paula Snavely (et al.) SHERIFF'S RETURN OF SERVICE Notice 07:51 PM Deputy Christopher ed the requested -- ofR� idenUa} K8o�gogoForeclosure D�eroon � namandCnmpio\ndinMo�gageForedoouneby ''p' ' ne(ly^handing a true copy to a person representing themselves to be the Defendant,to wit: Paula navely at 1612 Third Street, East Pennsboro, Enola, PA 17025. 06/11/2014 07:51 PM-Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Charles J Snavely, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 1612 Third Street, East Pennsboro, Enola, PA 17025. Per defendant's ex-wife the defendant is now in SCI Mercer, SHERIFF COST: $60.95 SO ANSWERS. ^�^ ANDERSON,RONN�RSHERIFF June1�. 2O14 c .5o4 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff TtEPOT"NCTAR 2 ? y JUL 15 AM IQ: as CUMBERL ANp PENNS YL VA NIA Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff, Vs. Paula J. Snavely a/k/a Paula Snavely, and Charles J. Snavely a/k/a Charles Snavely, Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-3477 Praecipe to Reinstate Complaint in Mortgage Foreclosure TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure for the above captioned matter. L TEAD & ASSOCIATES, LLC Robert W. Williams, Esquire Attorney ID No. 315501 a4II.7pc M C13valq 2� gcfqg SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson r ii.-f=.U-CJ FAC Sheriff ^ HE PROTHONOTARY of crrrroti , ��f Jody S Smith Chief Deputy Richard W Stewart Solicitor OFFICE OF THE SF w�IF- 2014 AUG -8 API I t: 02 CUMBERLAND COUNTY PENNSYLVANIA Nationstar Mortgage LLC f/k/a Centex Home Equity Company Case Number vs. Paula Snavely (et al.) 2014-3477 SHERIFF'S RETURN OF SERVICE 07/15/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Charles J Snavely LG3253, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Mercer, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 07/21/2014 09:05 AM - The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Mercer County upon Charles J Snavely LG3253, personally, at SCI Mercer, 801 Butler Pike, Mercer, PA 16137. Gary Hartman, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, August 05, 2014 RONNY R ANDERSON, SHERIFF (c) CountySu•ite Sheriff, Teleosoft, inc. SHERIFF'S RETURN - REGULAR CASE NO: 2014-03477 T COMMONWEALTH OF PENNSYLVANIA: COUNTY OF Mercer, NATIONSTAR MORTGAGE LLC VS CHARLES SNAVELY ANTHONY VENDILLI County, Pennsylvania, , Deputy Sheriff of Mercer who being duly sworn according to law, says, the within REINSTATED COMPLAINT/NOTI was served upon SNAVELY CHARES J #LG3253 PLAINTIFF , at 0905:00 at SCI - MERCER Hour, on the 21st day of July 801 BUTLER PIKE the , 2014 MERCER, PA 16137 CHARLES SNAVELY, by handing to PERSONALLY a true and attested copy of REINSTATED COMPLAINT/NOTI together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Mileage Notary 9.00 9.00 5.00 5.00 .00 Gary By Sheriff 28.00 00/00/0000 Sworn and Subscribed to before me this day ' day of A.D. NOT R AL SEAL HEIDI A KIZAK Notary Public MERCER BOROUGH, MERCER COUNTY My Commission Expires Aug 10, 2014 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.30268 . r� F1L__ LL -C, .4 OF T r rnE � 14 OCT 20 OHO:cutlnEi;L3# t>L �, _� CO` r � ,,;, . Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067 Plaintiff, vs. Paula J. Snavely a/k/a Paula Snavely 1612 3rd Street Enola, PA 17025 and Charles J. Snavely a/k/a Charles Snavely # LG3253 c/o SCI Mercer 801 Butler Pike Mercer, PA 16137 Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-3477 PRAECIPE FOR JUDGMENT, IN REM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Paula J. Snavely a/k/a Paula Snavely and Charles J. Snavely a/k/a Charles Snavely # LG3253, Defendants, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As set forth in Complaint $180,005.65 Interest 5/9/14 through 10/08/14 2,804.49 Escrow Advances 1,933.80 TOTAL $184,743.94 I hereby certify that (1) the addresses of the Plaintiff and Defendants are as shown above and (2) that notice has been given in accorda . ith R 37.1. copy attached. Robe W. Williams, Esquire Attorney for Plaint ff DAMAGES AREEREBY ASSESSED AS INDICATED DATE: f a•(7 14 PROTHONOTARY oteA3uo.sopd Qoy C� # ftl y31 ggsla ,,,_ > MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 4821400 Attorney for Plaintiff Our file number: 9.30268 Nationstar Mortgage LLC f/k/a Centex ? COURT OF COMMON PLEAS Home Equity Company, LLC, i CUMBERLAND COUNTY Plaintiff, No.: 14-3477 Vs. Paula J. Snavely a/k/a Paula Snavely and Charles J. Snavely a/k/a Charles Snavely Defendants TO: Paula J. Snavely a/k/a Paula Snavely 1612 3rd St, Enola, PA 17025 Charles J. Snavely a/k/a Charles Snavely # LG3253 C/o SCI Mercer 801 Butler Pike„ Mercer, PA 16137 DATE OF NOTICE: September 19, 2014 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN A 1-1EMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If Page 1 of 3 y 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 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILS I'hAD & ASSOCIATES, LLC By: Robert W. Williams, Esquire ID No. 315501 Attorney for Plaintiff Page 2 of 3 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.30268 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, vs. Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-3477 CIVIL ACTION MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon. Defendant, Paula J. Snavely a/k/a Paula Snavely on June 11, 2014 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit "A". I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendant, Charles J. Snavely a/k/a Charles Snavely on July 21, 2014 by the Mercer County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit "A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities. Rob rt W. Williams, Esquire Attorney for Plaintiff Ronny RAnderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY C:ninbFt. 6.64 C)FF:C. `Y`r Tk SliERIPP Nationstar Mortgage LLC f/k/a Centex Home Equity Company vs. Paula Snavely (et al.) Case Number 2014-3477 SHERIFF'S RETURN OF SERVICE 07/15/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Charles J Snavely LG3253, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Mercer, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 07/21/2014 09:05 AM - The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Mercer County upon Charles J Snavely LG3253, personally, at SCI Mercer, 801 Butler Pike, Mercer, PA 16137. Gary Hartman, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, August 05, 2014 (c}CoufhuuiLoSho,tf, ICk so(.I:x. RONNY R ANDERSON, SHERIFF SHERIFF'S RETURN - REGULAR CASE NO: 2014-03477 T COMMONWEALTH OF PENNSYLVANIA: COUNTY OF Mercer, NATIONSTAR MORTGAGE LLC VS CHARLES SNAVELY ANTHONY VENDILLI , Deputy Sheriff of Mercer County, Pennsylvania, who being duly sworn according to law, says, the within REINSTATED COMPLAINT/NOTI was served upon SNAVELY CHARE8 J #1,03283 PLAINTIFF , at 0905:00 Hour, at SCI - MERCER MERCER, PA 16137 on the 21st day of July 801 BUTLER PIKE the , 2014 CHARLES SNAVELY, by handing to PERSONALLY a true and attested copy of REINSTATED COMPLAINT/NOTI together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Mileage Notary 9.00 9.00 5.00 5.00 .00 28.00 Sworn and Subscribed to before me this c)E` day of A SEAL HEIDI A KIZAK Notary Public A.D. 00/00/0000 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Nationstar Mortgage LLC vs. Paula Snavely (et al.) Case Number 2014-3417 SHERIFF'S RETURN OF SERVICE 06/11/2014 07:51 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice • of Residential Mortgaoe Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by 'personally' handing a true copy to a person representing themselves to be the Defendant, to wit: Paula Snavely at 1612 Third Street, East Pennsboro, Enola, PA 17025. 1614RIST-OP ER'S-HARPE, DEPUTY 06111P014 07:51 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Charles J Snavely, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 1612 Third Street, East Pennsboro, Enola, PA 17025. Per defendant's ex-wife the defendant is now in • SCI Mercer. SHERIFF COST: $60.95 SO ANSWERS, I June 12, 2014 RONNY R ANDERSON, SHERIFF MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.30268 Nationstar Mortgage LLC f/k/a COURT OF COMMON PLEAS Centex Home Equity Company, LLC CUMBERLAND COUNTY Plaintiff, vs. No.: 14-3477 Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely Defendants VERIFICATION OF NON-MILITARY SERVICE Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the above -captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendants are not in the Military or Naval Service of the United States or its Allies, and/or do not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Paula J. Snavely a/k/a Paula Snavely, is over 18 years of age, 3. defendant, Charles J. Snavely a/k/a Charles Snavely, is over 18 years of age. DATE: Robe W. Williams, Esquire Department of Defense Manpower Data Center Status Rcport Pursuant to Servicernernbers Civil Relief Act Last Name: SNAVELY First Name: PAULA Middle Name: J. Active Duty Status As Of: Oct -17-2014 Results as of: 0cl-17.2014 07:40:07 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Dale Active Duty End Date Status Service Component NA NANo No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duly End Date Status Service Component NA NA No NA This response reflects where the Individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Futu e Call.Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification twreport for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 Department of Defense Manpower Data Center Status Report Pursuant t© Seicernernl Civil. Relief Act Last Name: SNAVELY First Name: CHARLES Middle Name: J. Active Duty Status As Of: Oct -17-2014 Results as of : OU -17-2014 07:40:34 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Dale Status Service Component NA NA No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duly End Dale Status Service Component NA NA No NA This response reflects where the individual left active duly Status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date _ Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Nationstar Mortgage LLC f/k/a CIVIL ACTION Centex Home Equity Company, LLC Plaintiff, vs. Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely Defendants NO.: 14-3477 PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of Cumberland County; 2. Against the Defendant(s) in the above -captioned matter; 3. and index this writ against the Defendant(s) as follows: Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely # LG3253 Real Property involved: 2105 Valley Street Enola, PA 17025 DATE: Amount Due Interest from 10/9/14 to Date of Sale at $18.33 per diem (6%) TOTAL (Costs to be added) cua-k ,s(Ypd 40 95 £3F- 37.00 It ri ti 163."1 tot kAt $184,743.94 Respectively submitted, Milstead & Associates, LLC Robe W. Williams, Esquire Attorney for Plaintiff 1 E. Stow Road Marlton, NJ 08053 - 9. PS.AAt /y2 #30ef LO All that certain piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: Beginning at an iron pin in the center of the state highway leading to Summerdale, known as Valley Street; thence along lands now or late of William Raymond, north forty-two (42) degrees forty-four (44) minutes twenty (20) seconds west two hundred eighty-eight and five -tenths (288.5) feet to a point; thence along lands late of John Forney, south eighty (80) degrees forty-seven (47) minutes east, five hundred four (504) feet to an iron pin in the center of Valley Street aforesaid; thence by said Valley Street, south sixty-three (63) degrees twenty (20) minutes west one hundred forty-nine and four -tenths (149.4) feet to an iron pin in the center of said Valley Street; thence by said Valley Street, south sixty-four (64) degrees fifty (50) minutes west one hundred thirty (130) feet to an iron pin in the center of said Valley Street thence by said Valley Street, south sixty-nine (69) degrees west one hundred eighty (180 feet, more or less, the place of beginning. Having thereon erected a one and one-half story shingle clad bungalow known as No. 2105 Valley Street. Title to said Premises vested in Charles J. Snavely, Sr. and Paula J. Snavely, husband and wife by Deed from Charles J. Snavely and Paula J. Snavely, husband and wife dated 04/05/2000 and recorded 04/14/2000 in the Cumberland County Recorder of Deeds in Book 219, Page 15. Being known as 2105 Valley Street, Enola, PA 17025 Tax Parcel Number: 09-13-0997-OO1A MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.30268 ?FA 01,,IT 2n 2n, p rr•te, .M A Nationstar Mortgage LLC f/k/a COURT OF COMMON PLEAS Centex Home Equity Company, LLC CUMBERLAND COUNTY Plaintiff, vs. No.: 14-3477 Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 Defendants Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 2105 Valley Street, Enola, PA 17025: 1. Name and address of Owners(s) or Reputed Owner(s): Paula J. Snavely a/k/a Paula Snavely 1612 3"1 Street Enola, PA 17025 . Charles J. Snavely a/k/a Charles Snavely # LG3253 c/o SCI Mercer 801 Butler Pike Mercer, PA 16137 2. Name and address of Defendant(s) in the Judgment: Same as above . Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Nationstar Mortgage LLC f/k/a Cumberland County Adult Probation Centex Home. Equity Company, LLC 4 East Liberty Avenue (Plaintiff herein) Carlisle, PA 17013 350 Highland Drive Lewisville, TX 75067 4. Name and Address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC f/k/a Members 1st Federal Credit Union Centex Home Equity Company, LLC 5000 Louise Drive (Plaintiff herein) Mechanicsburg, PA 17055 350 Highland Drive Lewisville, TX 75067 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Cumberland County Tax Bureau. 2105 Valley Street 21 Waterford Drive, Suite 201 Enola, PA 17025 Mechanicsburg, PA 17050 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 East Pennsboro Township Tax Office 98 South Enola Drive, Room 101 Enola, PA 17025 East Pennsboro Area School District 890 Valley Street Enola, PA 17025 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 Department of Revenue Bureau of Individual Taxes Inheritance Tax Division P.O. Box 280601 Harrisburg, PA 17128-0601 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: 10 / Rob W. illiams, Esquire Attorney for Plaintiff TO: NOTICE OF SHERIFF'S SALE OF REAL PROPERTY F 0C 201::"7 le: L!` ALL PARTIES IN INTEREST AND CLAIMANTS ii\i V; T Y S Y CVA OWNER(S) Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely PLAINTIFF/SELLER: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC DEFENDANT(S): Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely PROPERTY: 2105 Valley Street Enola, PA 17025 (Improvements erected thereon) JUDGMENT AMOUNT: $184,743.94 CUMBERLAND COUNTY No.: 14-3477 The above captioned property is scheduled to be sold at Sheriff's Sale on March 4, 2015 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. 9.30268 Sincerely, Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton, NJ 08053 M1LSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 9.30268 I.:6 4 4.. v 4•3' 4.) Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, vs. Paula J. Snavely a/k/a Paula Snavely Charles J. Snavely a/k/a Charles Snavely Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-3477 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 TAKE NOTICE: Your house (real estate) at 2105 Valley Street, Enola, PA 17025, is scheduled to be sold at sheriff's sale on March 4, 2015 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $184,743.94 obtained by Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened, you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriffwithin ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE, THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net NATIONSTAR MORTGAGE LLC F/K/A CENTEX HOME EQUITY COMPANY, LLC Vs. NO 14-3477 Civil Term CIVIL ACTION — LAW PAULA J. SNAVELY A/K/A PAULA SNAVELY CHARLES J. SNAVELY A/K/A CHARLES SNAVELY WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $184,743.94 L.L.: $.50 Interest FROM 10/9/14 TO DATE OF SALE AT $18.33 PER DIEM (6%) Atty's Comm: Atty Paid: $258.45 Plaintiff Paid: Date: 10/20/2014 (Seal) REQUESTING PARTY: Name: ROBERT W. WILLIAMS, ESQUIRE Address: MILSTEAD & ASSOCIATES, LLC 1 E. STOW ROAD MARLTON, NJ 08053 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. 315501 Due Prothy: $2.25 Other Costs: 14-je David D. Buell, Prothonotary Deputy