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Home My WebLink About14-3905 i Supreme Court-of Pennsylvania Cour OA% Pleas •�y{��1.��3'-�� 4 eet �`'orProtjinr+otgri-Lls Only It L lad Count} Cu�n l��cJ.ettva .._ r.. 4 i HE 177e it fibrmation collected on ffin J07777 1s 7lsed solely fol'court administration p.wposes. llils form does not supplement or ngploce the filingand service qfpleadings or•other papers as required h,-,'laic:or nlleS Of coin-t. - ss Commencement of Action: Complaint ❑Writ of Summons ❑Petition w '- I `i%:° ' ❑ Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiff's Name: Lead Defendant's Name: Nationstar Mortj gnze LLC Matthew B.Cox et al 1 [<_ Dollar Amount Requested:❑within arbitration limits Are.money damages requested. El Yes ®No check one ❑outside arbitration limits TKM 'i Is this a Class Action Suit? ❑Yes ®No Ys this an MDJAppeal? ❑Yes ®No Name of Plaintiff/Appellant's Attorney:Robert W.Williams.Esquire ❑Cheek here if you have no attorney(are a Self Represented [Po Set Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your I i- ; PRIMARY CASE.Ifyou are malting more than one type of claim,check the one that I . .. ... you consider most important. si '` TORT(do not include Mass Tort) CONTRACT(do not include judgments) CIVIL APPEALS "-•'�tLQOS"' Intentional ❑ Buyer Plaintiff Administrative Agencies . :_....ea:: F1 Malicious Prosecution r ji?>M1 F ❑ Motor Vehicle ❑ Debt Collection:Credit Card` i] Board of Assessment ❑ Nuisance ❑ Debt Collection:Other ❑ Board of Elections El Premises Liability ❑ Dept.of Transportation ❑ Product Liability(does not include ❑ Statutory Appeal:Other i mass tort) ❑ Employment Dispute: ElSiander/Libel/Defamation Discrimination ❑ Other: ❑ Employment Dispute:Other ❑ Zoning Board ❑ Other. MASS TORT ❑ Other: i'a `'•. =' ❑ Asbestos ❑ Tobacco -' ❑ Toxic Tort—.DF,S "`s'•?' '' REAL.PROPERTY MISCELLANEOUS ElToxic Tort—Implant ❑ Toxic Waste ❑ Ejectment ElCommon Law/Statutory Arbitration El Other: E] Eminent Domain/Condemnation ElDeclaratory Judgment ❑ Ground Rent ❑ Mandamus t:eiiss ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ai;s -:=�• Dental• �' El Partition ❑ Replevin Si l'a ? i ❑ Legal El Quiet Title El Other: _ ❑ Medical ❑ Other: _ ❑ Other Professional: r /C' 0 J41 MILSTEAD &ASSOCIATES, LLC t -3 lir BY: ID No. 3Robert15501 W. Williams,Esquire Pets A Ato C YL VA 00,VT�' I E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File: 9.31137 Nationstar Mortgage LLC COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY Lewisville,TX 75067, Plaintiff, ��S Alf Vs. No.: Matthew B. Cox CIVIL ACTION MORTGAGE 823 Flintlock Ridge Rd FORECLOSURE Mechanicsburg,PA 17055, and Jennifer D. Cox 823 Flintlock Ridge Rd Mechanicsburg,PA 17055, Defendants 94-- 3aoos i NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. i YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. i Cumberland County Bar Association 32 S. Bedford Street Carlisle,PA 17013 j 717-249-3166 i' NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a i 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. LED-OFF '0'�' T1 �'ir0 H0�1 I+Af MILSTEAD& ASSOCIATES,LLCQ(t""JUL `3 BY: Robert W. Williams,Esquire AH ID No. 315501 C UMBERL A Mf) CCS 1 E. Stow Road PEVvSYLVANI +` Marlton,N3 08053 (856)482-1400 Attorney for Plaintiff Nationstar Mortgage LLC COURT OF COMMON PLEAS 350 Highland Drive i CUMBERLAND COUNTY Lewisville,TX 75067, Plaintiff, No.. Vs. . CIVIL ACTION MORTGAGE Matthew B. Cox FORECLOSURE 823 Flintlock Ridge Rd Mechanicsburg, PA 17055, and Jennifer D. Cox 823 Flintlock Ridge Rd Mechanicsburg,PA 17055, i Defendants ' COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff,Nationstar Mortgage LLC(the"Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendants,Matthew B. Cox and Jennifer D. Cox, (collectively,the"Defendants"), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated March 3, 2009,recorded April 20, 2009 in Deed Instrument 200912326. The Deed is attached hereto as Exhibit"A"and made a part hereof. i I 3. Defendant Matthew B. Cox,upon infannation and belief, resides at 823 Flintlock Ridge Rd,Mechanicsburg,PA 17055. Defendant Jennifer D. Cox, upon information and belief,resides j at 823 Flintlock Ridge Rd, Mechanicsburg, PA 17055. 4. On March 13,2009,in consideration of a loan in the principal amount of$240,562.00, Defendant Matthew B. Cox executed and delivered to American Financial Resources,Inc. a note (the"Note")with'interest thereon at 5.0 percent per annum,payable as to the principal and I interest in equal monthly installments of$1291.39 commencing May 1, 2009. The Note is attached hereto as Exhibit`B" and made a part hereof. 5. A Loan Modification Agreement was made on or about October 4,2012 between Defendant Matthew B. Cox(the"Borrower") and Nationstar Mortgage LLC(the"Lender")to Note to 250 421.55 consisting of the increase the unpaid principal balance due on theN $ g � 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 3.7500. The Loan Modification Agreement is attached hereto as Exhibit"C"and made a part hereof. 6. To secure the obligations under the Note,the Defendants executed and delivered to Mortgage Electronic Registration Systems,Inc.,acting solely as nominee for American Financial Resources,Inc. a mortgage(the"Mortgage")dated March 13,2009,recorded on April 20,2009 in the Department of Records in and for the County of Cumberland under Mortgage Instrument I 200912327. The Mortgage is attached hereto as Exhibit"D"and made a part hereof. 7. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded June 9, 2014 under Instrument 201412101. The recorded Assignment of Mortgage is attached hereto as Exhibit"E" and made a part hereof. i 8. The Mortgage secures the following real property (the"Mortgaged Premises"): 823 Flintlock Ridge Rd,Mechanicsburg, PA 17055. A legal description of the Mortgaged Premises is attached hereto as Exhibit"F"and made a part hereof. i 9. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due September 1,2013,and monthly thereafter are due and have not been paid,whereby the whole balance of principal and all interest due thereon I 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 ................:...................$242,397.14 Accrued but Unpaid Interest from 8/1/13 to 6/12/14..........................................$8,332.39 Accrued Late Charges ........................................$0.00 Corporate Advance.........................................$197.00 Escrow Advance..........................................$4,862.02 TOTAL as of 06/12/2014........................$255,788.55 j Plus,the following amounts accrued after June 12,2014: Interest at the Rate of 3.7500 percent per month$757.49 Late Charges per month if applicable. 11. Plaintiff has complied fully with Act No. 91 (35 P.S.'l680.401(c) of the 1983 Session of the General Assembly("Act 91")of the Commonwealth of Pennsylvania,by mailing to the Defendants at 823 Flintlock Ridge Rd,Mechanicsburg,PA 17055 as well as to address of residences as listed in paragraph 3 of this document on October 31, 2013,the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit"G"and made a part hereof.. i WHEREFORE,Plaintiff demands aD in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 10, namely, $255,788.55,plus the following amounts accruing after June 12, 2014,to the date of judgment: (a) interest of$ 757.49 monthly, (b) late charges per month if applicable,(c)plus interest at the legal rate allowed on judgments after the date of judgment, (d)additional attorney's fees (if any)hereafter incurred, (e)and costs of suit. i Vttoey D &ASSOCIATES, LLC Date: RWilliams,Esquire r Plaintiff i I VERIFICATION i Assistant Secretary Alex Choi ,hereby states that he/she is of Nationstar Mortgage LLC, Servicing Agent for Plaintiff, Plaintiff in this matter,that he/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil i Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. 41 WA-1 Name: Alex Choi Title: Assistant Secretary DATE: 06/24/2014 File#: 9.31137 Name: Matthew B. Cox and Jennifer D. Cox I i i i 001 BGF lG�.. JJ Tax Parcel No. 42-26-0247-023 I i THIS DEED , MADE THE 5 day of Ch in the year of our Lord two thousand and nine (2009) BETWEEN THE WILBUR FINK and JEANETTE L. FINK REVOCABLE LIVING TRUST, I i Grantor, and MATTHEW B. COX and JENNIFER D. COX, his wife, of Carlisle, Pennsylvania, Grantees, WITNESSETH, that in consideration of-------------------------- --Two Hundred Forty-Five Thousand ($245, 000.00) -------Dollars in hand paid and receipt whereof is hereby acknowledged, the said grantor does hereby grant and convey to the grantees, ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Upper Allen, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the northerly line of Flintlock Ridge. Road (forty feet wide) at the corner of lands now or formerly of Wayne Boyd; thence along the line of said lands now or formerly of Wayne Boyd, North twenty-four (24) degrees thirty-six (36) minutes West, a distance of one hundred forty-three and thirty-one one-hundredths (143.31) feet to a point on the line of lands of the Pennsylvania Turnpike; thence along said lands of the Pennsylvania Turnpike North sixty-eight (68) degrees fifty-eight. (58) minutes East, a distance of one hundred and zero one- hundredths (100. 00) feet to a point; thence continuing along the same, North eighty-one (81) degrees forty-four (44) minutes fifteen (15) seconds East, a distance of eighty-three and thirty-four one-hundredths (83.34) feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 11 and 12 South fourteen (14) degrees eight (08) minutes fifty-two (52) seconds East, a distance of one hundred seventy- one and sixty-one one hundredths (171.61) feet to a point on the northerly line of Flintlock Ridge Road aforesaid; thence along the northerly line of Flintlock Ridge Road along a curve to the right, having a radius of three hundred seventy-nine and zero one-hundredths (379. 00) feet, an arc distance of forty-six and ninety-three one- hundredths (379.00) feet, an arc distance of forty-six and ninety-three one hundredths (46. 93) feet to a point; thence continuing along the same North eighty-four (84) degrees six (06) minutes West, a distance of eight and zero one-hundredths (8.00) feet to a point; thence still along the same, along a curve to the left, having a radius of two hundred and zero one-hundredths (220.00) feet, an arc distance of one hundred four and sixty-three one-hundredths (104. 63) feet to the point and place of BEGINNING. BEING Lot No. 11 on the Plan of Lots of Flintlock Ridge. BEING the same premises which Wilbur Fink and Jeanette L. Fink by deed dated May 16, 2001 and recorded in the Cumberland County Recorder of Deeds Office in Book 252, Page 205, granted and conveyed unto The Wilbur Fink and Jeanette L. Fink Revocable Living, Frust. The said Jeanette L. Fink died on September 19, 2003 whereby title was vested solely in Wilbur Fink, by operation of law, the Grantor herein. UNDER AND SUBJECT, NEVERTHELESS, to all restrictions, reservations, conditions, covenants, easements and rights of way or prior record. AND the said grantor hereby covenants and agrees that she will warrant specially the property hereby conveyed. i IN WITNESS WHEREOF, said grantor has hereunto set her hand and seal the day and year first above written. Signed, Sealed and Delivered in the Presence of WILBUR FINK, Trustee I THE WILBUR FINK and JEANETTE L. FINK REVOCABLE LIVING TRUST State/cemmrncz-c�i of G(} Dr J�31 ` ss. Y County of aKeZ l On this, the �� day of f j,-,)(C,h 2009, before me, the undersigned officer, personally appeared Wilbur Fink, Trustee of the Wilbur Fink and Jeanette L. Fink Revocable Living Trust known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that she executed same 1=ar,,-the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and Notary PubMY co , State/Commonwealth of County o�•., On this-,-,the day of ,f99,-�efo"re'me, the undersignec` ficer, persozia.11.y appeared,r� known to me {or sat actorily proven) � be the person whose name subscribed to the with instrume , and acknowledged that executed same for the purp erein contained. IN WITNESS WHEREO I hereunto set my hand and official seal. Notary' Public Title of Officer. do hereby certify that the precise residence and complete post office address of the within named grantee is 1p"vA�e Attorney for C-1 i t-10-kr COMMONWEALTH OF PENNSYLVANIA ss. County of RECORDED on this day of A. D. 2009 , in the Recorder' s office of the said County, in Deed Book Vol. , Page Given under my hand and the seal of the said office, the date above written. Recorder. i ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE,PA 17013 — m . 717-240-6370 = a - yy Instrument Number-200912326 Recorded On 4/20/2009 At 10:57:20 AM *Total Pages-5 *Instrument Type-DEED Invoice Plumber-41692 User ID-KW *Grantor-FINK,WILBUR *Grantee-COX,MATTHEW B *Customer-LAKESIDE ABSTRACT& SETTLEMENTS *FEES STATE 'TRANSFER TAX $2,450.00 Certification Page STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 DO NOT DETACH JUSTICE RECORDING FEES — $11.50 This page is now part RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 of this legal document. FEES AFFORDABLE HOUSING $1.1.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 MECHANICSBURG SCHOOL $1,225.00 DISTRICT UPPER ALLEN TOWNSHIP $1,225.00 TOTAL PAID $4,948.50 I Certify this to be recorded in Cumberland County PA pp cuq� ,0 7 a=may G X94. `�:� 1r v � a RECORDER O DEDS r: f, trso *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. DOt 11GF Iii I�lilllll111111111iilllll Exhibit "B " NOTE Cox MARCH 13, 2009 BOILING SPRINGS PENJSYLV IA [Date] [City] State] 823 FLINTLOCK RIDGE ROAD, MECHANICSBIIRG, PA 17055 [Property Address] 1.PARTIES I i "Borrower"means each person signing at the end of this Note, and the person's successors and 3.ssigns "Lender"means AMERICAN FINANCIAL RESOURCES, INC. and its successors and assigns. 2.BORROWER'S PROMISE TO PAY;INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of0 HirNDRED FORTY THOUSAND FIVE HUNDRED SIXTY Two Dollars(U.S.$24 0,562.00),plus interest,to the order o. Lend'r.Interest will be charged on unpaid principal,from the date of disbursement of the loan proceeds by Lender,at the rate of FIVE per nt(5.000%)per year until the full amount of principal has been paid. 3.PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage,deed of trust or similar security instrument that is dat the same date as this Note and called the "Security Instrument." That Security Instrument protects the Lender from losses whi` h might result if Borrower defaults under this Note. 4.MANNER OF PAYMENT (A)Time I Borrower shall make a payment of principal and interest to Lender on the first day of each mon Ih begi 'ng on MAY 1, 2 0 0 9.Any principal and interest remaining on the first day of.APRIL, 2 03 9,will be due on that date,whiff h is c; led the"Maturity Date." (B)Place Payment shall be made at 273 EAST MAIN STREET, DENVILLE, NJ 07834 or at su h pla as Lender may designate in writing by notice to Borrower. (C)Amount Each monthly payment of principal and interest will be in the amount of U.S.$1,291.3 9. This amoJ will be part of a larger monthly payment required by the Security instrument,that shall be applied to principal,interest another tems in the order described in the Security Instrument, f (D)Allonge to this Note for payment adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Nite,the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the aliong�were partof this Note. [Check applicable box.] ❑Graduated Payment Allonge ❑Growing Equity Allonge ❑Other[Specify] 5.BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note,in whole or in part,without charge QT penal ,on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amou, t prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary.If Borrow r makes a partial prepayment,there will be no changes in the due date or in the amount of the monthly payment unless Lender es.I writing to those changes. 4r�:o 36.7 Page 1 of 2 FHA Multistate Flit I Rate Note—12/01 ,I 6.BORROWER'S FAILURE TO PAY 1 (A)Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument,as descried in Paragraph 4(C)of this Note,by the end of fifteen calendar days after the payment is due,Lender may collect a late charge in the'imount of FOUR percent(4.000%) of the overdue amount of each payment. a (B)Default If Borrower defaults by failing to pay in full any monthly payment,then Lender may,except as limited byregulations of the Secretary in the case of payment defaults,require immediate payment in full of the principal balance remaiuung doe and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate paymgnt in� 11 in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As ed in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. I (C)Payment of Costs and Expenses If Lender has required immediate payment in full, as described above,Lender may require Bo ower! o pay costs and expenses including reasonable and customary attorneys'fees for enforcing this Note to the extent not prohibited b applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Not4 1, 7.WAIVERS Borrower and any other person who has obligations under this Note waive the rights of PT'esentme4 and n tice of dishonor. "Presentment"means the right to require Lender to demand payment of amounts due."Notice of dishonor" eans A a right to require Lender to give notice to other persons that amounts due have not been paid. I 8.GIVING OF NOTICES ! Unless applicable law requires a different method,any notice that must be given to Borrower under this Not]will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different ddres, if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by fust class mail to Leudet at the address stated in Paragraph 4(B)or at a different address if Borrower is given a notice of that different address. 9.OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and personally obligated to keep all of le pro uses made in this Note,including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser ofi this Note is also obligated to do these things.Any person who takes over these obligations,including the obligations of a gumrntor, ,urety or endorser of this Note,is also obligated to keep all of the promises made in this Note.Lender may enforce its rights under this Note against each person individually or against all signatories together.Any one person signing this Note may be required t pay a l of the amounts owed under this Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. i PAY TO THE ORDER OR WM40UTREUR B ROWER - MATTH . COX - DATE - AME 1 FIESOUMES,t D l/l N T 4gfnal Only] Rl DUBNOFF IM0 ! 4� 36.7 Page 2 of 2 FHA Mulds, to M Rate Note—12101 f i i i 1 I PVV-V- (Space above this Line for Recording Data) LOAN MODIFICATION AGREEMENT (Providing for Fixed Interest Rate) This Loan Modification Agreement("Agreement"),made this 4 October 2012, between MATTHEW B.COX("Borrower"),and Nationstar Mortgage LLC("Lender"),amends and j supplements(1)the Mortgage,Deed of Trust or Deed to Secure Debt ((he"Security Instrument"),and i Timely Payment Rewards Rider,if any,dated March 13,2009 and Recorded in Book or Liber at page(s) _ .of the Records of (Name of Records) (County and State,or otherjurisdiction) and (2)the Note bearing the same date as,and secured by, the Security Instrument,which covers the real and personal property described in the Security Instrument and defined therein as the"Property",located at 823 FLINTLOCK RIDGE RD MECHANICSBURG,PA 17055, (Property Address) the real property described being set forth as follows: 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): i. As of January. 1, 2013,the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $250,421.55, consisting of the amount(s) loaned to the Borrower by the Lender and any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 3.7501/o from January 1, 2013, The Borrower promises to make monthly payments of principal and interest of U.S. $1159.74, beginning on February 1,2013, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 3.750% will remain in effect until principal and interest are paid in full.If on January 1,2043(the"Maturity Date"), Borrower still owes amounts under the Note and the Security Instrument,as amended by this Agreement,the Borrower will pay these amounts in full on the Maturity Date. 3. If all or any part of the Property or any interest in it is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without the Lender's prior written consent, the Lender may, at its option,require immediate payment in full of all sums secured by the Security Instrument. If the Lender exercises this option, the Lender shall give the 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 the Borrower must pay all sums secured by the Security Instrument. If the 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. 4. The 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 the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever canceled,null and void,as of the date specified in paragraph No. I above: a) all terms and provisions of the Note and Security Instrument(if any)providing for,implementing, or relating to,any change or adjustment in the rate of interest payable under the Note, including, where applicable,the Timely Payment Rewards rate reduction,as described in paragraph 1 of the Timely Payment Rewards Addendum to Note and paragraph A.].of the Timely Payment Rewards Rider.By executing this Agreement,Borrower waives any Time Payment Rewards rate reduction to which Borrower may have otherwise been entitled;and b) all terms and provisions of any adjustable rate rider, or Timey Payment Rewards Rider, where applicable, 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 provisions as those referred to in(a)above. 5. Borrower understands and agrees that: (a) All the rights and remedies, stipulations, and conditions contained in the Security Instrument relating to default in the making 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 Security Instrument shall be diminished or released by an 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 thereunder 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. I (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 rclease in whole or in part of the Note and Security instrument. (e) All costs and expenses incurred by Lender in connection with this Agreement,including recording fees,title examination,and attorney's fees,shall be paid by the Borrower and shall be secured by the Security Instrument,unless stipulated otherwise by Lender. (f) Borrower agrees to make and execute such other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement which,if approved and accepted by Lender, shall bind and inure to the heirs, executors, administrators, and assigns of the Borrower. —.. .e. (Seal) (Seal) Lender TTHEW B.COX-Barrow Nationstar Mortgage LLC–Lender By: (Seal) -Borrower STATE OF1e.174S(IVI,,'Cr ) i / t )SS. COUNTY OF Cu�b�lR nq ) On this day of DG 10f et' personally appeared before j meM A-r7HF,td 13 Cn'{ ,personally known to me (or proved to me on the basis of satisfactory evidence)to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies),and that by his/her/their signature(s) on the instrument the person(s), or the entity upon person(s)acted,executed the instrument. �� NOTARIAL SEAL MALLIGADEVI DOYLE,Notary Punic Witness my hand and official seal Mechani sburg 8oro Curnbetland County My Commission=x~-irts`•4'.rch 25,2015 Notary P is My appointment expires: 2�-2cilsl [Space below This Line for Acknowledgments] C0MM0NW jU.j*i 0W pZHj4 VAWA NOTARIAL SEAL MAIL WEVI DOYLE,Notoy Pubic Medwicsburq Aoto.,Cumberland County �rrtmis�on Expires March 25.2015 i i I ' i rfR r2' ! lVs gu q Cf unxt: 9 Cnk CoArE'WOW�n�, 40 zur i h"Ufrli;�lOr�'+(i3�AfE Y.c,tc�tbnp.+c: vi{}ldi5t'V;2Ebr ccavevtct�r�.cvr�aoc��. ,,,-,�a.�r�a�v I i i i I i' AGREEMENT TO MAINTAIN ESCROW ACCOUNT WHEREAS,MATTHEW B.COX("Borrower")desires Nationstar Mortgage LLC,to collect payments from Borrower to be held by Lender for the payment of certain sums due in connection with Borrower's Note and Security Instrument,dated March 13,2009,(hereinafter referred to as"Note"and "Security Instrument"respectively)currently held by Lender; NOW THEREFORE,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 i Agreement or in accordance with applicable law,a sum(the"Funds")to provide for payment of amounts I due for:(a)taxes and assessments and other items which can attain priority over the Security Instrument as a lien or encumbrance on the Property; (b)leasehold payments or ground rents on the Property,if any; (c) premiums for any and all insurance required by Lender under the Security Instrument;and(d)Mortgage Insurance Premiums,if any,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 I 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 Escrow Items directly,and Borrower fails to pay the amount due 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. Additionally,if Borrower is obligated 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 future Escrow Items,or otherwise in accordance with the Real Estate Settlement Procedures Act("RESPA"). The estimate of expenditures of future Escrow Items shall be made based on current data available to Lender. Borrower acknowledges that the actual payments of Escrow Items may vary from the estimated amounts. I 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 of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,or entity or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time period 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 agreed to 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. 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 RFSPA. 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. 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. 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. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Agreement to Establish Escrow Account. M HEW B.COX-Borrower Date -Borrower Date Exhibit " D " }} t.�C � OOj BGG After Recording Return To: AMERICAN FINANCIAL RESOURCES 299 WEBRO RD. PARSIPPANY,NJ 07054 (973) 983-5626 Prepared By: j SANDY ALBERT AMERICAN FINANCIAL RESOURCES, INC. 273 EAST MAIN STREET DENVILLE,NJ 0 7 8 3 4 (973) 983-5626 Property Address: B23 FLINTLOCK RIDGE ROAD MECHANICSBURG,PA 17055 I:i�tP:CI H2 - 2i✓Z4`1- LZ3 [Space Above This Line For Recording Data] MORTGAGE COX THIS MORTGAGE("Security Instrument")is given on MARCH 13, 2009.The mortgagor is MATTHEW B. COX AND JENNIFER D. COX, HUSBAND AND WIFE("Borrower").This Security Instrument is given to Mortgage Electronic Registration Systems,Inc. ("MERS") (solely as nominee for Lender,as hereinafter defined,and Lender's successors and assigns),as beneficiary.MERS is organized and existing under the laws of Delaware,and has an address and telephone number of P.O.Box 2026,Flint,MI. 48501-2026, tel. (888) 679-MERS. AMERICAN FINANCIAL RESOURCES, INC. ("Lender") is organized and existing under the laws of NEW JERSEY, and has an address of 273 EAST MAIN STREET, DENVILLE,NJ 07834.Borrower owes Lender the principal sum of TWO HUNDRED FORTY THOUSAND FIVE HUNDRED SIXTY Two Dollars(U.S. $240,562.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"),which provides for monthly payments, with the full debt, if not paid earlier,due and payable on APRIL 1, 203 9. This Security Instrument secures to Lender: (a)the repayment of the debt evidenced by the Note,with interest,and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument;and(c)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 MERS(solely as nominee for Lender and Lender's successors and assigns)and.to the successors and assigns of MERS the following described property located in CUMBERLAND County,Pennsylvania: LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. which has the address of B23 FLINTLOCK RIDGE ROAD,MECHANICSBURG, Pennsylvania 17655 ("Property Address")-, TOGETHER WITH the improvements now or hereafter erected on the property,and all easements, F14A PENNSYLVANIA MORTGAGR 400.9 Page ] of 9 t appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also be covered by this Security Instrument.All of the foregoing is referred to in this Security Instrument as the "Property," Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument;but,if necessary to comply with law or custom,MERS(as nominee for Lender and Lender's successors and assigns)has the right:to exercise any or all of those interests,including, but not limited to,the right to foreclose and sell the Property; and to take any action required of Lender including,but not limited to, releasing or canceling this Security Instrument. i BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered,except for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. T141S 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 property. UNIFORM COVENANTS.Borrower and Lender covenant agree as follows: 1.Payment of Principal,Interest and Late Charge.Borrower shall pay when due the principal of, and interest on,the debt evidenced by the Note and late charges due under the Note, 2.Monthly Payment of Taxes, Insurance,and Other Charges.Borrower shall include in each monthly payment,together with the principal and interest as set forth in the Note and any late charges,a sum for(a)taxes and special assessments levied or to be levied against the Property,(b)leasehold payments or ground rents on the Property,and(c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development("Secretary"),or in any year in which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i)a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,or(ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary,these items are called "Escrow Items" and the sums paid to bender are called"Escrow Funds." Lender may,at any time,collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U,S.C. Section 2601 et seg.and implementing regulations,24 CFR Part 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the.Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due,Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument.If Borrower tenders to Lender the full payment of all such sums,Borrower's account shall be credited with the balance remaining for all installment items (a), (b),and(c)and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary,and Lender shall promptly refund any excess funds to Borrower, Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments FHA PENNSYLVANIA MORTGAGE 400.9 Pagc 2 of 8 i for items(a),(b),and(c). 3.Application of Payments-All payments under Paragraphs 1 and 2 shall be applied by Lender as follows: First,to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; Second,to any taxes, special assessments,leasehold payments or ground rents,and fire,flood and other hazard insurance premiums,as required; Third to interest due under the Note; Fourth,to amortization of the principal of the Note;and Fifth,to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance.Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies,including fire,for which Lender requires insurance.This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property,whether now in existence or subsequently erected,against loss by floods to the extent required by the Secretary.All insurance shall be carried with companies approved by Lender.The insurance policies and any renewals shall be held by Lender and shall be include Ioss payable clauses in favor of, and in a form acceptable to,Lender. In the event of loss,Borrower shall give Lender immediate notice by mail.Lender may make proof of loss if not made promptly by Borrower.Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender,instead of to Borrower and to Lender jointly.All or any part of the insurance proceeds may be applied by Lender,at its option,either(a)to the reduction of the indebtedness under the Dote and this Security Instrument,first to any delinquent amounts applied in the order in Paragraph 3,and then to prepayment of principal, or(b)to the restoration or repair of the damaged Property.Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in Paragraph 2,or change the amount of such payments.Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled.thereto. In the event of foreclosure of this Security instrument or other transfer of title to the Property that extinguishes the indebtedness, all right,title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy,Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds.Borrower shall occupy,establish,and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument(or within sixty days of a later sale or.transfer of the Property)and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower,or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances.Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate,reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower,during the loan application process,gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including,but not limited to,representations concerning Borrower's occupancy of the Property as a principal residence.If this Security Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property,the FHA PENNSYLVANIA MORTGAGE 400.9 Page 3 of 8 i leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. b. Condemnation.The proceeds of any award or Claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property,or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in Paragraph 3,and then to prepayment of principal.Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7.Charges to Borrower and Protection of Lender's Rights in the Property,Borrower shall pay all governmental or municipal charges,fines and impositions that are not included in Paragraph 2.Borrower shall pay these obligations on time directly to the entity which is owed the payment.If failure to pay would adversely affect Lender's interest in the Property,upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by Paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations),then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of taxes,hazard insurance and other items mentioned in Paragraph 2. Any amounts disbursed by Lender under this Paragraph shall become an additional debt of Borrower and be secured by this Security Instrument These amounts shall bear interest from the date of disbursement at the Note rate, and at the option of Lender shall be immediately due and payable, Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contests in good faith the lien by,or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8.'Fees.Lender may collect fees and charges authorized by the Secretary. 9.Grounds for Acceleration of Debt. (a)Default.Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require immediate payment in full of all sums secured by this Security Instrument if: (i)Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment,or (ii)Borrower defaults by failing,for a period of thirty days,to perform any other obligations contained in this Security Instrument. (b) Sale Without Credit Approval, Lender shall, if permitted by applicable law(including Section 341(d) of the Gam-St Germain Depository Institutions Act of 1982, 12 U,S.C. 1701j- 3(d))and with the prior approval of the Secretary,require immediate payment in full of all sums secured by this Security Instrument if: (i)AL1 or part of the Property, or a beneficial interest in a trust owing all or part of the FHA PENNSYLVANIA MORTGAGE 400.9 Page 4 of 8 i Property,is sold or otherwise transferred(other than by devise or descent),and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence,or the purchaser or grantee does so occupy the Property,but his or her credit has not been approved in accordance with the requirements of the Secretary. (e)No Waiver.If circumstances occur that would permit Lender to require immediate payment in full,but Lender does not require such payments,Lender does not waive its rights with respect to subsequent events. (d)Regulations of HUD Secretary.In many circumstances regulations issued by the Secretary will limit Lenders rights,in the case of payment defaults,to require immediate payment in full and foreclose if not paid.This Security Instrument does not authorize acceleration or foreclosure I if not permitted by regulations of the Secretary. (e)Mortgage Not Insured.Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within,60 days from the date hereof,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument A written statement of any authorized agent of the Secretary dated subsequent to 60 days days from the date hereof,declining to insure this Security Instrument and the Note,shall be deemed conclusive proof of such ineligibility.Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary: 10.Reinstatement.Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument This right applies even after foreclosure proceedings are instituted.To reinstate the Security Instrument,Borrower shall tender in a lump sum all amounts required to bring Borrowers account current including,to the extent they are obligations of Borrower under this Security Instrument,foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower,this Security Instrument and the obligations that is secures shall remain in effect as if Lender had not required immediate payment in full.However, Lender is not required to permit reinstatement if: (i)Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future,or(iii)reinstatement will adversely affect the priority of the lien created by this Security Instrument. ' 11. Borrower Not Released; Forbearance By Lender Not a Waiver_Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest.Any forbearance by Lender in exercising any right or remedy shall not be a.waiver of or preclude the exercise of any right or remedy. 12.Successors and Assigns Bound;Joint and Several Liability;Co-Signers.The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower,subject to the provisions of Paragraph 9(b).Borrower's covenants and agreements shall be joint and several.Any Borrower who co-signs this Security Instrument but does not execute the Note: (a)is co- signing this Security Instrument only to mortgage,grant and convey that Borrower's interest in the Property under the terms of this Security Instrument;(b)is not personally obligated to pay the sums secured by this Security Instrument;and(c)agrees that Lender and any other Borrower may agree to extend,modify,forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Borrower's consent. FHA PE-NNSYLVANIA MORTGAGE �j 400,9 Page 5 of 9 13. Notices.Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method.The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower.Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14.Governing Law;Severability.This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located_In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision.To this end the provisions of this Security Instrument and the Note are declared to be severable. 15.Borrower's Copy.Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous Substances.Borrower shall not cause or permit the presence,use,disposal,storage, or release of any Hazardous Substances on or in the Property.Borrower shall not do,nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law, The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation,claim,demand,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge.If Borrower teams,or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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.As used in the paragraph 16,"Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 17.Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property.Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents.However,prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument,Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower.This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower:(a)all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only,to be applied to the sums secured by the Security Instrument; (b)Lender shall be entitled to collect and receive all of the rents of the Property;and(c)each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any FHA PENNSYLVANIA MORTGAGF, 4933 400.9 Page 6 or 9 I act that would prevent Lender from exercising its rights under this Paragraph 17. Lender shall not be required to enter upon,take control of or maintain the Property before or after giving notice of breach to Borrower.However,Lender or a judicially appointed receiver may do so at any time there is a breach.Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender.This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may initiate foreclose by judicial proceedings and/or invoke any other remedies permitted by applicable law.Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 18,including,but not limited to,reasonable attorneys'fees and costs of title evidence to the extent permitted by applicable law. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 9,the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 ei seq.)by requesting a foreclosure commissioner designated under the Act to commence for and to sell the Property as provided in the Act.Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 19 or applicable law !i 19.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 without charge to Borrower.Borrower shall pay any recordation costs. 20.Waiver.Borrower,to the extent permitted by applicable law,waives and releases any error or defects in proceedings to enforce this Security Instrument,and hereby waives the benefit of any present or future laws providing for stay of execution,extension of time,exemption from attachment,levy of sale,and homestead exemption. 21. Reinstatement Period.Borrower's time to reinstate provided in paragraph 10 shall extend to one hour prior to the commencement of bidding at a Sheriffs sale or other sale pursuant to this Security Instrument. 22.Purchase Money Mortgage.if any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 23,Interest Rate After Judgment.Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. 24. Riders to this Security Instrument.If one or more riders are executed by Borrower and recorded together with this Security Instrument,the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the riders) were in a part of this Security Instrument. The Following Rider(s)are to be executed by Borrower and are attached hereto and made a part thereof [check box as applicable]: O Condominium Rider D Growing Equity Rider O Adjustable Rate Rider D Planned Unit Development Rider ❑Graduated Payment Rider 0 Other(s)[specify] FHA PENNSYLVANIA MORTGAGE 400.9 page 7 of 8 i BY SIGNING BELOW,Borrower accepts and agrees to the terms contained in pages 1 through 5 of this Security Instrument and in any rider(s)executed by Borrower and recorded with it. This is a contract under seal and may be enforced under.42 Pa.C.S. Section 5529(b). 0 r '17IGnylt{-Gr t�� (- � Da}c - BORROWER - MATTHEW B. COX - DATE - i {Space Below This Lfne For Acknowledgment] _. STATEOFCOUNTY OF'�C I, before me, On this the day of the undersigned officer, personally appeared eYN y- .) CC known to me (or satisfactorily proven)to be the person(s) whose name(s) are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seat. ' �ary Public ) My Commission Expires: r COMMOMMALTH OF FINNSYLVAMA NOTARIAL SEAL JEANETTE L PEt/NINOT0N,W0t4t Public Bout's tliddlaton Twpp. C�Mb�rl�n(Cebnt Ry comrmisib7ort Expftis S�pt�ntt••r S0. 2bJi CERTIFICATE OF RESIDENCE:I do certify that the precise address of the within named Mortgagee is 3300 S.W.34th Avenue, Suite 101,Ocala,FL 34474 or I.O.Box 2026,Flitlt, 14851011-210126, Signatuae--- gent on behalf of Mo gage FHA PENNSYLVANIA MORTCAOf 400.9 Page 8 of 8 ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and bring in the Township of Upper Allen, in the County of Cumberland,and Commonwealth of Pennsylvania,more particularly described as follows., BEGINNING at a point on the northerly line of Flintlock Ridge Road(forty feet wide)at the corner of lands now or formerly of Wayne Boyd;thence along the line of said lands now or formerly of Wayne Boyd North twenty-four(24)degrees thirty-six(36)minutes West, a distance of one hundred forty-three and thirty-one one-hundredths(143.31)feet to a point on the line of lands of the Pennsylvania Turnpike;thence along said lands of the Pennsylvania Turnpike North sixty-eight(68)degrees fifty-eight(58) minutes East,a distance of one hundred and zero one-hundredths(100.00)feet to a point;thence continuing along the same North eighty-one (81)degrees forty-four(44)minutes fifteen(15)seconds East, a distance of eighty-three and thirty-four one hundredths(83.34)feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 11 and 12 South fourteen (14) degrees eight(08)minutes fifty-two(52)seconds East, a distance of one hundred seventy-ane and sixty-one hundredths(171.61)feet to a point on the northerly line of Flintlock Ridge Road aforesaid;thence along the northerly line of Flintlock Ridge Road along a curve to the right,having a radius of three hundred seventy-nine and zero one-hundredths(379.00)feet,an arc distance of forty-six and ninety-three one hundredths(379.00) feet;an arc distance of forty-six and ninety-three one-hundredths(46.93)feet to a point;thence continuing along the same North eighty-four(84)degrees six(06) minutes West, a distance of eight and zero one-hundredths (8.00)feet to a point;thence still along the same, along a curve to the left, having a radius of two hundred and zero one-hundredths(200.00 )feet,an arc distance of one hundred four and sixty-three one-hundredths (104.63)feet to the point and place of BEGINNING. BEING Lot No. 11 on the Plan of Lots of Flirntlock Ridge. UNDER AND SUBJECT to and together with the rights,privileges, agreements, rights-of-way, easements, conditions,exceptions, restrictions as exist by virtue of prior recorded instruments, deeds or conveyances. PARCEL 42-26-0247-023 (200902187.pfd/200902187.PFD117) ROBERT P. ZIEGLER RECORDER OF DEEDSK;__r: CUMBERLAND COUNTY 1 COURTHOUSE SQUARE -7 CARLISLE, PA 17013 p 717-240-6370 _x Instrument Number-200912327 Recorded On 4/20/2009 At 10:57:21 AM *Total Pages- 10 *Instrument Type-MORTGAGE Invoice Number-41692 User ID-KW j *Mortgagor-COX,MATTHEW'B *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer-LAKESIDE ABSTRACT&SETTLEMENTS *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING FEES — $21.50 RECORDER OF DEEDS This page is now part PARCEL, CERTIFICATION $10.00 FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL, PAID ' $58.50 I Certify this to be recorded in Cumberland County PA c, �K J j RECORDER O DZs r P rrao "-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 001 BGG I l l l 11 11 l i 11 l!II I II I I I!I I I! Exhibit e 003797 i Please Record and Return to: Milstead and Associates, LLC 1 E. Stow Road Marlton,NJ 08053 Parcel No.42-26-0247-023 1111111/1 Ell pill 111111111111110 1111 CORPORATE ASSIGNMENT OF MORTGAGE Cumberland,Pennsylvania SELLER'S SERYICIN'' "COX" Date of Assignment May 21 st, 2014 Assignor.AURORA COMMERCIAL CORP.,SUCCESSOR ENTITY BY MERGER TO AURORA BANK FSB BY NATIONSTAR MORTGAGE LLC, ITS ATTORNEY-IN-FACT Assignee: NATIONSTAR MORTGAGE LLC hereby certify the precise address of the withi named Assignor is 350 HIGHLAND DRIVE, LEWISVILLE,TX 75067. )07(4 .za�<.0 �- hereby certify the precise addres of the withinarced Assignee is 350 HIGHLAND DRIVE, LEWISVILLE, TX 75067. Z�/JlCyi j Executed By: MATTHEW B.COX AND JENIFFER D. COX, HUSBAND AND WIFE To: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.AS NOMINEE FOR AMERICAN FINANCIAL j RESOURCES, INC. I Date of Mortgage: 03/13/2009 Recorded: 04/20/2009 as Instrument/Document 200912327 In the County of Cumberland, State of Pennsylvania. -Assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC.TO AURORA BANK FSB Dated: 02/22/2012 Recorded: 04/16/2012 as Instrument/Document:201210898 823 FLINTLOCK RIDGE ROAD, MECHANICSBURG, PA 17055 in the Township of UPPER ALLEN do certify that the precise address of NATIONSTAR MORTGAGE LLC is 350 HIGHLAND DRIVE, LEWISVILLE,TX 750 7 Attested By: �`t ��c KNOW ALL MEN BY THESE PRESENTS,that for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,the said Assignor hereby assigns unto the above-named Assignee, the said Mortgage having an original principal sum of$240,562.00 with interest,secured thereby,with all moneys now owing or that may hereafter become due or owing In respect thereof,and the full benefit of all the powers and of all the covenants and provisos therein contained,and the said assignor hereby grants and conveys unto the said assignee,the assignor's Interest under the Security Instrument *RQJ'RQJNATN*05/21/2014 09:47:41 AM*NATTOI NATNA000000000000000470837*PACUMBE* PASTATE MORT ASSIGN ASSN**SLNATN* i CORPORATE ASSIGNMENT OF MORTGAGE Page 2 of 2 TO HAVE AND TO HOLD the said Security Instrument, and the said property unto the said assignee forever, subject to the terms contained in-said Security Instrument_ AURORA COMMERCIAL CORP., SUCCESSOR ENTITY BY MERGER TO AURORA BANK FSB BY NATIONSTARM`O, GAGE LLC, ITS ATTORNEY-IN-FACT On By: Kelsey r Assistant Secretary STATE OF Nebraska COUNTY OF Scotts Bluff on , before me, I Ill Jr hl� p _-- a Notary Public in and for Scotts Bluff in the State of Nebraska, personally appeared Kelsey Craig .Assistant Secretary of AURORA COMMERCIAL CORP., SUCCESSOR ENTITY BY MERGER TO AURORA BANK FSB BY NATIONSTAR MORTGAGE LLC, ITS ATTORNEY-IN-FACT, personally known to me(or proved to me on the basis of satisfactory evidence)to be the person(s)whose name(s)is/are subscribed to the within instrument and acknowledged to me that hetshe/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal, GEIitRAk MUTARY�u aska TRACI J GAinON N4Y comm.Exp.Oct.25,2015 Notary Expinys: I;c -2-2 (This area for notarial seal) *RQJ*RQJNATN*05/21/2014 09:47:41 AM*NATT01NATNA000000000000000470837*PACUMBE* PASTATE MORT ASSIGN ASSN**SLNATN* ALL THAT CERTAIN tract or parcel of land and premises,situate, lying and bring in the Township of Upper Allen, in the County of Cumberland,and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the northerly line of Flintlock Ridge Road(forty feet wide)at the comer of lands now or formerly of Wayne Boyd;thence along the line of said lands now or formerly of Wayne Boyd North twenty-four(24)degrees thirty-six(36)minutes West, a distance of one hundred forty-three and thirty-one one-hundredths(143.31)feet to a point on the line of lands of the Pennsylvania Turnpike,thence along said lands of the Pennsylvania Turnpike North sixty-eight(68)degrees fifty-eight(58) minutes East,a distance of one hundred and zero one-hundredths(100.00)feet to a point;thence continuing along the same North eighty-one (81)degrees forty-four(44) minutes fifteen (15)seconds East, a distance of eighty-three and thirty-four one hundredths(83.34)feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 11 and 12 South fourteen (14) degrees eight(08)minutes fifty-two(52)seconds East,a distance of one hundred seventy-one and sixty-one hundredths(171.61)feet to a point on the northerly line of Flintlock Ridge Road aforesaid;thence along the i northerly line of Flintlock Ridge Road along a curve to the right,having a radius of three hundred seventy-nine and zero one-hundredths(379.00)feet,an are distance of forty-six and ninety-three one-hundredths(379.00) feet,an arc distance of forty-six and ninety-three one-hundredths(46.93)feet to a point;thence continuing along the same North eighty-four(84)degrees six(06)minutes West a distance of eight and zero one-hundredths (8.00)feet to a point;thence still along the same,along a curve to the left,having a radius of two hundred and zero one-hundredths(200.00 )feet, an arc distance of one hundred four and sixty-three one-hundredths (104.63)feet to the point and place of BEGINNING. BEING Lot No. 11 on the Pian of Lots of.Flintlock Ridge, UNDER AND SUBJECT to and togetherwith the dghts,privileges, agreements, rights-of-way, easements, conditions,exceptions,restrictions as exist by virtue of prior recorded instruments,deeds or conveyances. PARCEL 42-26-0247-023 t2W902187.pfd/20090218TPFD/17) i TAMMY SHEARER ' RECORDER OF DEEDS CUMBERLAND COUNTY - 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201412101 Recorded On 6/9/2014 At 11:45:39 AM *Total Pages-4 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-162467 User ID-KW *Mortgagor-COX,MATTHEW B . *Mortgagee-NATIONSTAR MORTGAGE LLC *Customer-MILSTEAD &ASSOCS *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $15.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $55.50 I Certify this to be recorded in Cumberland County PA a 9p cine p p p O RECORDER OF DEEDS two *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 003797 Ililllllllllllllll w 002M6P I When Recorded Return To: ASSIGNMENT PREP AURORA BANK FSB P.O_ Box 1706 Scottsbluff, NE 69363-1706 Parcel No.42-26-0247-023 CORPORATE ASSIGNMENT OF MORTQAGE Cumberland,Pennsylvania REF# :Ox" MFRS M. ',#:1.888-679-6377 Date of Assignment: February 22nd,2012 Assignor MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC.,ITS SUCCESSORS AND/OR ASSIGNS Assignee:AURORA BANK FSB I hereby certify the precise address of the within named Assignor is 1901 E VOORHEES STREET, SUITE C, DANVILLE,IL 61834. Q Q I hereby certify the precise address of the within named Assignee is 2617 COLLEGE PARK, SCOTTSBLUFF, NE 69361. Executed By; MATTHEW B. COX AND JENNIFER D. COX, HUSBAND AND WIFE To: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC. q:gtv ak bm\c,nCe. 'o w\C Date of Mortgage: 03/13/2009 Recorded: 0412012009*in Book/ReeVLiber. N/A Page/Fof io: NIA as Instrument/Document:200912327 In the County of Cumberland,State of Pennsylvania. 823 FLINTLOCK RIDGE ROAD, MECHANICSBURG, PA 17055 in the Township of UPPER ALLEN I do certify that the precise address of AURORA BANK FSB is 2617 COLLEGE PARK, SCOTTSBLUFF, NE 69d B � l Q Attested By: i 823 FLINTLOCK RIDG AD, MECHANI SBURG, PA 17055 in the Township of UPPER ALLEN For value received,the said Assignor hereby assigns and transfers to Assignee all its right,title and interest in and to said Mortgage. *ROJ*ROJALSi*02/22/2012 10:17:50 AM*ALS101ALSIAO00000000000000780367*PACUMBE* PASTATE_ALSI_MORT_ASSIGN ASSN*"ROJALSI* 7am46b r r CORPORATE ASSIGNMENT OF MORTGAGE Page 2 of 2 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC., ITS SUCCESSORS AND/OR ASSIGNS On 0 By: S r REGINA SHLEY, ice- resident 199 STATE OF Nebraska COUNTY OF Scotts Bluff ON February 22nd,2012, before me,IRENE GUERRERO,a Notary Public in and for the County of Scotts Bluff County,State of Nebraska,..personally appeared REGINA LASHLEY,Vice-President of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC., ITS SUCCESSORS AND/OR ASSIGNS, personally known to me(or proved to me on the basis of satisfactory evidence)to be the person(s)whose name(s)is/are subscribed to the within instrument and acknowledged to me that he/shelthey executed the same in his/herltheir authorized capacity,and that by hislherltheir signature on the instrument the person(s),or the entity upon behalf of which the person(s)acted,executed the instrument WITNESS my-and and official sea[, =6a IRENE GUERRERO Notary Expires: 09114/2013 (This area for notarial seal) �pLNOTARY-Stateebraska IRENE GUERRERO 14,0 S MY Comm.EXP. *ROJ*ROJALSt*02/2212012 10:17:50 AM'ALS101ALSIA000000000000000780367*PACUMBE* PASTATE ALS! MORT ASSIGN ASSN**ROJALSI* .. ........._..._.._........._.._.._..,..�,.... �.. .._ ,_....-.r.'. .,...._....._.._.._.,-,..._.w......,.,.,.,...,. _.._....mow. i I 294760 ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Capper Allen, in the County of Cumberland and i Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the northerly line of Flintlock Ridge Road (forty feet wide) at tate corner of lands now or formerly of Wayne Boyd; thence along the line of said lands now or formerly of Wayne Boyd, North twenty-four (24) degrees thirty-six (36) minutes West, a distance of one hundred forty-three and thirty-one one-hundredths (143,31) feet to a point on the line of lands of ,the Pennsylvania Turnpike; thence along said lands of the Pennsylvania Turnpike North sixty-eight (68) degrees fifty-eight (58) minutes East, a distance of one hundred and zero one-hundredths (100.00) feet to a point; thence continuing along the same, North eighty-one (81) degrees forty-four (44) minutes fifteen (15) seconds East, a distance of eighty-three and thirty-four one-hundredths (83.34) feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos, 11 and 12 South fourteen (14) degrees eight (08) minutes fifty-two (52) seconds East, a distance of one hundred seventy-one and sixty-one one hundredths (171.61) feet to a point on the northerly line of. Flintlock Ridge Road aforesaid; thence along the northerly line of Flintlock Ridge Road along a curve to the right, having a radius of three hundred seventy-nine and zero one-hundredths (379".00) feet, an arc distance of forty-six and ninety-three one-hundredths (379.00) feet, an arc distance of forty-six and ninety-three one hundredths (46.93) feet to a point; thence continuing along the same North eighty-four (B4) degrees six (06) minutes West, a distance of eight and zero one-hundredths (8.00) feet to a point; thence still along the same, along a curve to the left, having a radius of two hundred and zero one-hundredths (220.00) feet, an arc distance of one hundred four and sixty-three one-hundredths (104,63) feet to the point and place of BEGINNING. BEING Lot No. 11 on the Plan of Lots of Flintlock Ridge. BEING the same premises which Wilbur Fink and Jeanette L. Fink by deed dated May 16, 2001 and recorded in the Cumberland County Recorder of Reeds Office in Book 252, Page 205, granted and conveyed unto The Wilbur Fink and Jeanette L. Fink Revocable Living Trust. The said Jeanette L. Fink died on September 19, 2003 whereby title was vested solely in Wilbur Fink, by operation of law, the Grantor herein. ROBERT P. ZEEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201210898 Recorded On 4/16/2012 At 10:49:30 AM Total Pages-4 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-106125 User ID-MSW *Mortgagor-COX,MATTHEW B *Mortgagee-AURORA BANK FSB *Customer-PHELAN HALLINAN&SCHMIEG LLP FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 FEES of this legal document. COUNTY ARCHIVES FEE $2.00 - ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA o RECORDER O D DS -Information denoted by an asterisk may change during the verification process and may not be reflected on this page. f IIi012M6P III 1��I�►VIII l��il(�I1U Exhibit "F " i 294760 ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Upper Allen, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the northerly line of Flintlock Ridge Road (forty feet wide) at the corner of lands now or formerly of Wayne Boyd; thence along the line of said lands now or formerly of Wayne Boyd, North twenty-four. (24) degrees thirty-six (36) minutes West, a distance of one hundred forty-three and thirty-one one-hundredths (143.31) feet to a point on the line of lands of -the Pennsylvania Turnpike; thence along said lands of the Pennsylvania Turnpike North sixty-eight (68) degrees fifty-eight (58) minutes East, a distance of one hundred and zero one-hundredths (100.00) feet to a point; thence continuing along the same, North eighty-one (81) degrees forty-four (44) minutes fifteen (15) seconds East, a distance of eighty-three and thirty-four one-hundredths (83.34) feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 11 and 12 South fourteen (14) degrees eight (08) minutes fifty-two (52) seconds East, a distance of one ' hundred seventy-one and sixty-one one hundredths (171.61) feet to a point on the northerly line of Flintlock Ridge Road aforesaid; thence along the northerly line of Flintlock Ridge Road along a curve to the right, having a radius of three hundred seventy-nine and zero one-hundredths (379-.00) feet, an arc distance of forty-six and ninety-three one-hundredths (379.00) feet, an arc distance of forty-six and ninety-three one hundredths (46.93) feet to a point; thence continuing along the same North eighty-four (84) degrees six (06) minutes West, a distance of eight and zero one-hundredths (8.00) feet to a point; thence still along the same, along a curve to the left, having a radius of two hundred and zero one-hundredths (220.00) feet, an arc distance of one hundred four and sixty-three one-hundredths (104.63) feet to the point and place of BEGINNING. BEING Lot No. 11 on the Plan of Lots of Flintlock Ridge. BEING the same premises which Wilbur Fink and Jeanette L. Fink by deed dated May 16, 2001 and recorded in the Cumberland County Recorder of Deeds Office in Book 252, Page 205, granted and conveyed unto The Wilbur Fink and Jeanette L. Fink Revocable Living Trust. The said Jeanette L. Fink died on September 19, 2003 whereby title was vested solely in Wilbur Fink, by operation of law, the Grantor herein. Exhibit " G" Nadonstar Mortgage,LLC PRESORT PO Rox 9695 Temecula,CA 92589-9095 First-Class U.S.Postage aran d ; Pees Pard wsa 7196 9006 9297 0247 5829 Send Payments to,. NalIonstar hlartgage RETURN RECEIPT REQUESTED 356 Highland Dnvo Lewisville,TX 7506711177 201310.x1-760 � 11111=111111rri11r11111116111 11111115111 fill 11fill r11r1ri111r111 ,JENNIFER D.COX 823 FLINTLOCK RIDGE RD MECHANICSBURG, PA 17055,4919 i 1 PA—N01 Sent Via Certified Mail 7196 9006 9297 0247 5829 10/3112013 A NOTICE CT 91 NOTICE TAI UE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The 1101NIEEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM. (HEMAP)may be able.to help save your home. This Notice explains how the progr works.To see if HEMAP can helt.),you must MEET WITH A. CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF TMS NOTICE. Take this Notice with you when you meet with the Counseling Agena. The name address, and phone number of Consamer Credit Counsefinp,Agencies serving your y -u have n.y qu tio , u Q21Mty are listed at the end of the Notice. If you es nq,you.M call the Pennsylvania Housing Finance Agencytoll-free at 1-800-342-2397. (Persons with imaired hearing can call(7171780-1869).. This Notice contains huportant 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 NOTWICAC16N EN ADJUNTO ES DE SUVIA impoR:rANCIA, PLIES AFECTA SU DERECHO A CONTI.NU,A:R NINIIENDO EN SU CASA, 81 NO COMYRENDEEL CONTEN100 DE ESTA NOTIFICAC16N OBTENGA [JNA TR/'LDUCCION INMEDIATAIVIENTE LLANIANDO ESTA AGEN'CIA (PENNSYLVANIA -ROUST.NG MkN(T' AGENCY) SUN CARGOS AL NUNTERO MENCIONAIDO ARM.A. PUEDE SER ELWIBLE PARA UNI PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTkNCEPROGRAM" EL CURL PUEDE SALVARSE CASA DE LA PERDIDA DEL DERECHO AREDINUR SU HIPOTECA. PA N01 pv2 of 8 7196 9006 9297 0247 SA29 Iegal proceedings:against you,you 1vill still be required to pay the .reasonable attorney's Mees that were actually incurred; up to S50.60. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys Gomes actually incurred by the tender even if they exceed $50.00. Any attorney's fees will be added to the amount you tiwc The le ift; Whieb inay also include other reasonable costs, if von cure the default Within the THIRTY(30).DAY petiad;.yati will riot be required to pay atto3rney's fees. OTHER LENDER.REWDIFS:-.Tbe tender may also sue you personally for the unpaid principal balance and ail i othet sums due under the mortgage: RIGHT.`TO CURE.THE DE'FALILT PRIOR TO SHERIFF'S SALE- If you have not cured the default vvi.thin the THIRTY (3i1) DAY,period arid, foreclosure proceedings have begun, you still have the right to cure the default and preventAhe sale!at atty�time up to one:hotir before the Sheriff's Sale. You may do soby�rayirtg the total amount then past due, plats any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale,and.any'other costs counected..tvitli the Sheriffs Sale as specified.in writing by the lender and by perforining auy other t6guirenients::iunder-the xitartQake: Curing vour default in the manner set forth in this notice will restore your mortga-ge to thesame positioit.•is if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE D.A"FE- It is estimated that the earliest date that such Sheriff s Site of the inortgaged property could be held Would be approximately 6 months from the date of this Notice, A notice of the actual,date:of:the Sheriff's.Said.will.,be..seht to you before the sale. Of course,the amount needed to cure the default v ill increase the:loii:eer y4p.wait: You.may find out at anytime exactly what the.required payment or action will be by contacting th.o lender. HOW-I'O.•CONT°ACT TAF.L FaNDER: Nanie of Lender: Nationstar Mortgage,LLC Address: 350 Highland Drive Lewisvifte,T2s 75067-4177 I'hoite:Y:itiatber:. 1-.858480-2432 Fax.N( unther: 1-972-315-6827 Contact Person:: ChOstopher N-WIdler E-Ralf Address:: customex.serv�lce�4 natianstarmail.tom EVVECT OF S'HERIFF'S SAFE-You.should realize that a Sheriffs Sale will end your ownership of the mortgaged prop ertyand youIr•right to occupy it If You continue to live in the property after the Sheriff's Sale,a lawsuit to remove you and your furnishings and other•belongings could be started by the lender at any time. A;5SUL1PTI'OiN. QF.MORTGAGE-Y.ou.. X may or_may not(CHECK ONE)sell or transfer your home to a buyer 6i; tram gree Who Will assume:the:.mortgage debt, provided that all die outstanding payments, charges, and attorney'sfeesand costs are-paid prior to or at the sale and that other requirements of the mortgage are satisfied YOU MAY ALSO-HAVE THE RIGHT: c TO SELL 111E PROFE.WrY.'1'.0.OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING iNSTTPUTION TO PAY OFF THIS.DEBT. + TO HAVE:THIS DEFAULT:CURED BY ANY TI-IIRD PARTY ACTING ON YOUR BEHALF. • TO I'IA'VETHE:MORTGAGit:1tESTORED TO THE SAME POSITION AS WNO DEFAULT HAD OCCURRET),rF'Y'QU CURE.THI .PE.FtAULT. (HOWEVER, YOU DO NOT HANE THIS RIGHT TO CQRF.Y(JII DEFAULT MORE THAN THREE(3)TIMES 1N ANY CALENDAR YEAR.) PA N01 pap 5ofa 7196 9tl016 9297 0247 5621 • TO ASSERT TME 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 THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL,BAN K'RUPTC Y LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act,Title 15, U.S.0 I692(g),you may dispute the validity of this debt,or any portion thereof, if you do so in writing within thirty(30)days aftzr the receipt of this notice.If you dispute the validity of this debt, or any portion thereof, within this thirty(30) days period we will provide you with written verification thereof;otherwise the debt will be assumed to be valid. Sincerely, Christopher Miller Dedicated Loan Specialist Nationstar Mortgage,LLC 1.-877-782-7612 ext. 1015920 350 lIighland Drive Lewisville,TX 75067-4177 FEDERAL LAW REQUIRES US TO ADVISE YOU THAT N.ATION'STAR MORTGAGE, LLC IS A DEBT COLLECTOR.AND THAT T:IIIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE'USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCI3ARGED OR IS SUBJECT TO THE, AUTOMATIC: STAY 'IN A 13ANKRUPTC:Y PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PA.Yl4I.ENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR .PERSONAL. OBLIGATION. IF YOU ARE ° 'REPRESENTED BY AN A'f 1'GRNEY,PLEASE PROVIDE US 1 rrH THE AT'i'ORNEY'S NAME.ADDRESS AND TELEPHONE NUMBER. Pei NU1 Pagchofa 7196 9006 9297 0247 5821 j I EMAP Consumer Credit Counseling Agencies... i i YORK County RepwE last updated:.10116fL013.10:41AM, Advantage.Credit.Counseling Service/CCCS,of Western PA Advantage Credit.Counseling Service/CC-CS,of Western PA 2000 Linglestow.n Road 55.Clover Hill Road Harrisbutg,.PA..17102 Dallastown,PA.17313 888-511-2227 888-511-2227 Base,Inc. housing Alliance.of YorkA..Housing Resources 447 South Prince Street 290"Kest Market Street Lancaster,PA 17003 York,PA 17401 717-392-5467 717-955-2752 j i PA Interfaith Community Programs Inc 40.F Malt Street Gettysburg,PA.17325 717-334-1518 HC Page 7 of 7116 9006 9257 0247 5829 i H EIVIAP. Consumer. Credit Counseling Agencies.. CUi IBERLAND County Report last apttated.1011612013.WAIAM Advantage.Credit Counseling Service/CCCS.of Western IIA Community.Action Commission of Capital Region 2000 l,inglestown Road 1514 Derry.Street Harrisburg,PA.17102 Flarrteburg„PA.17104 888-51.1-2227 717-232-9757 Housing Alliance of York/Y.Housing.Resources Maranailra j 290.)West Market Street 43,Philadelphia Avenue York,PA .17401. Waynesboro,PA.17258 717-855-2752 717-752-3287 PathStone Corporation PathStoue Corporation 1525 North.Front.St 450 Cleveland Ave Harrisburg,.PA.17102 Chambersburg.PA.17201 � 717-234-(616 717-264-5913 PA Interfaith Community Programs-Inc PHFA 40 E.High Street 211.North.Front Street Gettysburg,PA.17325 Ha,risb'urg,PA..1.71.1.0 717-334-1.5I8 717-780-3940....8(10-342-2397 HC Page 9Uf8 1196 9006 9217 0247 5824 ........._ __ .__ i Nationstar Mortgage,LLC PRESORT PO Bo:9095 Frst-C3ass tJlatl Temecula,CA 92589-9095 U.S.Postage and Pees Paid W SO 7196 9006 9297 U247 5812 Sand Payments to: NattonstarMortgage RETURN RECEIPT REQUESTED 350 HighlandDrive Lewlsvitle,TX 750674177 i 20131031-160 il (�� ltl� tltllill�lit�tlt �lltl�f'�"I1t�lll"I�i�ltlll'I MATTHEW B.COX 823 FLINTLOCK RIDGE RD MECHANICSBURG, PA 17055-4919 PA_NOI Sent Via Certified Mail 7196 9006 9297 0247 5832 i I 1013112013 ACT 91 NOTICE TA.]E" A. TION TO SAVE � YOUR. HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pa less. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM LHEMAP) may be able to heir save your home. This Notice explains how the program works.To see if HEMAP can help, you must MEET'NITH A CONSUMER CREDIT COU $ELING AGENCY NVITH N 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 A elides servin your County are listed at the end of the Notice If you have any questions you may call the Pennsylvania THousing Finance Ag ncy toll-free at 1-500-342-2397 "Persons with impaired hearing.can call (71.7) M-1$69). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a tavyer. LA NOTIFiCAC16N EN ADJUNTO E$ DE SU;►IA RMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIUN OBTENGA (JNA TRADUCCION .IN€Vi.E:DIATA:1i:t.NTE LLAINIANDO ESTA AGE+NCIA (PENNSYLVANIA HOUSING I`INAVCE AGENCY) SIN CARGOS AL N17`IER0 il7ENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA Uri PRESTAMO POR EL PROGRAMA LLANMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE 'u'ALVAR SU CASA DE LA PERDIDA DEL DERECHO A RI<D11NOR SU"T.11POTEC A. PA N01 page 2of$ 7196 9006 9297 U47 .5812 I I HOMEOWNEWS:N.AME(S). AATME:W B.COX' dENNIFER.D.COX.. I i PROPERTY ADDRESS:;. 823;E LUS I'OCK:RIDGE Rb MECHANICSBURG,PA I:7035 LOAN i1 CCT. 40.: OfflG111SW,LENDER: "AMERICAN.FINANCIAL.RIa;SOURCE$,INC.' CURAVNT LENDERISERVICI+R: Nationstar Mortgage,::LL0 HOMEONVNEWS EMERGENCY MORTGAGE ASSISTANCE PROGRAM i YOU MAY BE ELIGIBLE FOR FINkNCIAL ASSISTANCE WHICH CAN SAVE:YOUR HOiVIE.FROIN-t VORECL0 URE ANTO fttLP YOU MAKE FUTURE MORTGAGE PAYMENTS. � I IV YOU. COPWPL,Y ivITi3 .T.HE. PRO'V'ISIONS OF THE iIOMEOWNER'S EMERGENCY MORTGAGE ASSISTA:NCE.ACT OF 1983 (ME -ACT,), YOU 11IAY BE EL€GIBLE FOR E-HERGENCY MORTGAGE ASSISTANCE: IF YOUR DEF A:UL^T.HAS RMIN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, I 0 IF YOU HAVE A'REASON 4B t,PROSPECT OF BEING-AP.LF,TO PAY YOUR N.(ORTGAGE ' PAYMENTS,.ANI?. • IF '()U..kSL�ET OTMER ELIGG€OIEITY.REObIREMki NTS WA€ LASRED BY THE E'E tNSI-LVANIi.HOUSING-FINANCE AGENCY. wmYO:RrA.RY STAY OF FU.REct..OSUIHl.�Ujider the Act, ygis.are entitled ti),A temporary stay of foreclosure on ybut mortgage for thirty-{IQJ,days from the elate ofthis Notice(plias three(3j days for mailing). During that time you must arrange and attend:4-"face-to-face"meeting with:.one of the.consumer creditcounseling agencics listed at the end of this Notice. THIS MEETING MUST OCCUR VITHI.N THIRTY-THREE. 3 :DAYS.OF THE DATE OF THIS NOTICE. IF YOU DO NOT A.PPL'Y FOR FMF1 QtNCY MORTGAGE ASSISTANCE.YOU MUST BRING YOU.R.:M.0kTG-(j'E, OF TO DATE.. TITE.@AA:RT O.F TWS NOTI(MM. CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT"EXT- LAW'S HOW`TO BRING YOUR MORTGAGE UP TO DA,TE- CO.NSU-NI.ER CREDff COCJNSELIN(;.AC;*E7r t T :S - If you meet with one .of the consumer credit counseling agebiHes listed at.the e:nd of This-90 ice,th.c.lender n a'yNUT take action against y(n for thirty(30)days after the date of this meeting, The names; addresses,and telephone numbers of designated consutner credit coa.nseling agencies for ihc.county inwhich the Qroocrty is.located are set forth at.the end of this. :It is only necessary to schedule one Face-to-face meeting. Advise your,knder imniediately:of your intentions: APFI ICATIO.N FOR MEtRTGAGE ASSI:STANCt Your mortgage is in defdult41ff the reasons set forth later in fhis Nortel (see.following pages for spi ific informatyou abotit'tLie nature pf your defautfj. You bmve the right to apply for financial asst:stanm frotri the Homeiiu tier's Emetgeitcy lktoxtgage Assistance I'ro zam. To do so,you must fill out, sign acid file a:cootnple ed:.Homeowner's Emergeu;cy Assistance, Program 4plication with one of the designated con"Atmer.credit counseling.agencies listed at the end.or.this Notice. Only:consumer credit counseling agencies have applications for the program, and.they will assist.:you in.subxnitting a complete application to the Pennsylvania Housing Pnance'Agency. Tp:temporarily stop the 1. prier from filing a foraclosute action,your application WST be forwarded to PT-IFA anl re, eiVed within thirty(30)dayti of your faeE-to lace meeting with.the c ut se ling ageztcy. YOU SHC;fVLD.IIL]s A HEMAP APPLICATION AS S 0.7VAS I'OSSWLE. IF YOU HA VE A MEE,ThVG WITH A COUNSELING AGi NVY I IVILIV 3:3 DAYS OF TUR POSIVARK DATE.OF THIS NOTICE AND FILE AN AppLiC,4nav -W1W PHFA f'ITIfIN 36bAlW OF TIMT MEET YG, TIIEX THE L&WER WILL BE TW-UPORARILY :PREVEN ED FROM .STARTING -A FORECLOSURE: AGAINST YOUR PROPERTY, AS EXPI,f RVED AROPE,IN THE SEGTITON CALLED "TEMPORART STAI`O F.ORECLOS[IRR I, PA NO'k Pale n€8 7196 9006 9297 0247 5812 i YOU HAYS THE RIGHT' To FILE jt HF*r,4p APPLICATTON EVEN.BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE I ENDER FROM START17VG A FORECLOSURE ACTION, BUT.IF YOUR APPLICATION.IS.EVENTUALLY APPROVED AT ANY TI.WE BEFORE A SIIERIFF'B SALE, 7'HEPORECLOSii7ZE WAL;BE.STOPP.ED. i I 4G'ENCV ACTION-Ava.ilable funds for emergency mortgage assistance are very limited. They will be disbursed by the:Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (FO)-days to make.a.decision after it. .receives your application. During that time, no foreclosure proceedings will be purs:Wd against you if you have.met:tlid time requirements set forth above. You will be notified directly by the Peamylvania`Housing Finance Agency of its decision on your application. i .NOTE IF YOU AREC�'RRENTLY PROTECTED 8Y THE FILING OF A PETITION 0 BANKRUPTCY, THE :FOLLOWING PART OF THIS NOTICE IS FOR INFORMATI+ON i PURPOSES ONLY.ANIS SHOULD NOT BE CO:NSIDERED AS AN ATTEMPT TO COLLECTi T F D1EBT ([f ycxhave lEfed barkrt tcy you can stili apply for Emergency Mortgage Assistance.) ! I OW TO:CURE 0.. MORTGAGE DEFAULT Bring it up to date.) NATURE OFTIiE DE'I+:AUL' `I`-The MORTGAGE debt held by the above tender on your prop" located at: $t3 FLINTLOCK RIDGE RD MECHANICSBURGr PA 17.055 IS SI RIGUSLY IN-DEFAULT because: You HAVE NGT:MADE Nf6.KrHLY MORTGAGE PAYMENTS for the following months and the following atrtct 4t q."are rttivt%lias't due- Next Pavment Due Date: 09/01/2013 Total'Writhly Ps Viuents:l3ue:. $3,400,50 Late Charges; $276.48 Ether Cha`ges: uncollected NSF Fees. $0.00 Other Fees: $0.00 Corporate Advance Balance: $648.00 'Unapplied Balance: $0.99) TOTAL AIv,OU:NT:PAST°DUE: $4,324.98 How To CURE THE DEFAULT.-You may cure the default within THIRTY (30)DAYS of the date of this notice BY.Pr ylN,C' THE TOTAL AI��vUN C PAST DUE TO THF; LENDER, 1�'HTCH IS $1,324.98 PLUS AN'Y MORTGAGg 'PAYiVfENiS ,AND* LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD Pm-Tnents must be made eit}ier b —: y cash. cashier's check certified check,or money.Urder-made payable_an Lent`.t9 Natidnstar Mortgage_LL.C. 350 Hig lAbd biive Le*Jsviile;TX 75.0674.1.77 IF YOU DO NOT CURE TIIE.DEFAVLT-If you do not cure the default within THIRTY(30)DAYS of the date of tW"N4f ce,:1he lenderIntends to exercise its rights to accelerate the morttrage debt. This means that the entire Qutstaizding balanCE ot'this debt will.tie considered due immediately and you may lose the chance to pay the mortgage in monthly installibena. If Rill paynicot of the total.amount past due is not made Within THIRTY(30) DAYS, the lender-also intesnds:to instruct its Morneys to start legal action to foreclose upon your mortgaged property. 11.THE NI XORTGAGE CS li'ORECL0SED 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 tb.e delinquency before the lender begins PA NCI Njg 4 Of 7196 9006 9297 0247 5612 i tergal. proceedings:against you; you ,yill still be required to pay the .reasonable attorney's fees that were actually I ncurred; up to $50.00. However, if legal. proceedings are started against you, you will have to pay all reasonable aftorney-'s fees actually incurred by tate leader even if they exceed $50.00. Any attorney's fees will be added to the amount you owe"the Iend&, which may also include other reasonable casts, 1:f von cure the default tivithin the THIRTY'(30)`DAY perfnd,.you will riot"Ile required to pay attontev's fees. OTHER L.KNbER'R1i I EDI S-.The lender may also sue you personally for the unpaid principal balance and all other sums due.undtr the mortgage: RIGHT TO CURE THE:A.EFAU'LT TR:IOR TO SHERI:FIF'S SALE- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, yon still have the right to cure the default and znrm.nt:the satc.at:auy time yp to.one'hour before the Sheriff's Sale. You maydo so bypayin€t the total amount then past due plus.anv late or other charges.then due. reasonable attorneys fees and costs connected with the foreclosure sale:,and adv outer costs connected with the Sheriff s Sale as specified in writing by the lender and by performing any other requirements undertheipottga�e 'Curing your default in the manner set forth in this notice will restore your mortgage.to the srtme,position as if you had never defaulted. EARLIEST POSS:fOLE SfIEkWVS:SALE DATE-it is estimated that the earliest date that such Sheriffs Sale of the. mortgaged property could lie h1 ld would be approximately 6 months from the date of this Notice. A notice of the actual.date'ofthe Sheriffs 8816 4-1,11 be.seiit to you before the sale. Of course,the amount needed to cure the default will increase the Ipufg a-you wait. You Ina:)%find out at any time exactly what the required payment or action will be by confactin.g:true;lender. -"ON*TO>.CO;NITAGT THE.LENDFA- Name R:Na ate of Leittler; Nationstar Mortgage,LLC Address: S54 Highland Drive Lewrisville,TX 7506-14177 Pb�on�.Number; `I-8$R�-4l30-2432 Fa't.tilumber-. 1-w9.7.2-315-6827 Contact'per5on:: Christopher Miller K-Mail.Address: customer.servise(&nationstarmaii.com EFFECT OF'SHERTFF'S S41E=Y"ou,should realize that a Sheriff's Sale will end your ownership of the mortgaged property:and.your right tooecupy i.#. If you continue to live ip.the property after the Sheriffs Sale,a la%vsuit to rentove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF...MORTGA:G, You . X may or�--may not(CHECK ONE)sell or transfer your horde to a buyer .or`transferee who wilt:assume fhc:mortgaba debt; provided that all the outstanding payments, charges, and attorney's fees and cost;are paid`priorto'or at the sale and that other requirements of the mortgage are satisfied YOU'MAY ALSO HAVE THE RIGIi f TO SELE:THE PROPI_,.RTY'ro OBTAIN MONEY TO PAY OFF TI3E MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTI-ruTiON TO PAY OFF Tim.DEBT. TO HAVE THIS DEFAULT WRED BY ANY THIRD PARTY ACTING ON FOUR 13:EI ALF. TO R VE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OGCURRED,.IF'Y-OLU`CU.RE TH..E.DEFAULT. (HOWEVER,YOU DO NOT FL--,VE TINS RIGHT TO CURE:Y0VR DEFAULT MORE THAN THREE(3)71-INIF.S IN ANY CALENDAR YEAR.) PA N0 Page 5 of a 7196 4006 9297 02g 7 5612 i • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE FENDER. • TO SEEK PROTECTION UNDER THE FEDERAL.BANKRUPTCY'LAW, CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST In accordance with the Fair Debt Collection Practices Act,Title 15,U.S.0 1692(g),you may dispute the validity of this debt,or any portion thereof., if you do so in writing within thirty(30)slays after the receipt of this notice.If you dispute the validity of this debt, or any portion thereof, within this thirty(30) days period we will provide you with written verification thereof,otherwise the debt will be assumed to be valid. Sincerely, Christopher Miller Dedicated Loan Specialist Nationstar Mortgage,LLC 1.-877-782-7612 ext. 1015920 350 Highland Drive Lewisville,TX 75067- 177 FEDERAL LAW REQUIRES US TO ADVISE YOU THAT NATIONSTAIZ MORTGAGE, LLC Is A DEIST COLLECTOR AND THAT THIS IS AN ATTEIvCff TO COLLECT A DEBT, ANY INFORMATION OBTAINED MAY 13E 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 OBLIGATICY.N. IF YOU ARE CLEPRFSENTED BY AN ATTORNEY,PLEASE PROVIDE US WITH THE ATTORNEY'S NAME;ADDRESS AND TELEPHONE NUMBER. PA NUl Page6of8 7146 9006 '9297 0247 5612 i I HEMAP. Consumer. Credit Counseling Agencies................................... YORK County Repuit last u dated-,IM6MJ3.10:4?.AM � Advantage.Credit.Counseling Service/CCCS,of.Western PA Advantage.Credit.Counseling Ser.vicr/CCCS.of Wrstern PA 2000.Linglestown..Road 55 CIover.Bill Road Harrisburg,PA.171.02 Dallastown,PA.17313 888-51.1-2227 888-51.1-2227 Base,Inc. Housing Alliance.of.YorkN..Housing Resources 447 South Prince Street 2t1(?West Market Street Lancaster,PA. 1.7603 York,PA-17401. 717-392-5467 717-855-2752 PA Interfaith Community Programs Inc 40 E Niglf Street j Gettysburg,PA 11,325 i 717-334-15J 8 HC Page 7of8 7196 4006 9297 0247 5812 HEIVIAP Consumer. Credit Counseling Agencies......... .... .. .. CUIMBERIAN.County Repast tastupalated:.:0'i 6f9,013,10:43.A?.t Advantftge.Credit Counseling Service/CCCS,of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry.Street Harrisburg,.PA.17102 Harrisburg,.PA.17104 388-511-2227 717-252-9757 i Housing Alliance of York1Y Housing Resources Maranatha 290)klmt Market Street 43.Philadelphia Avenue York,PA..17401 Waynesboro,PA 172M 717-855-2752 717--762-3285 PathStone Corporation Patf iStone Corporation 1625 North.Front St 450 Cleveland Ave Harristrum PA.17102 Chamber burg,PA.17201. 717-234-6616 717-264-5913 PA,Interfaith Community PrograrnaInc PHFA 410.E High Street 21.1.North.Front Street Gettysbutg.PA.17325 Haoisburg,PA.171110 717-334-1518 717-780-39411....800-342-2397 HC YaecRuts 71% %06 1217 0247 581a En n" i iCE �,eWw THIE PROTH, ,, © 1.664 70 11{ JUL _Y� V.TIS CUMBERLA 8CM14TY Nationstar Mortgage LLC "I'SYLVAttlk THE COURT OF COMMON PLEAS 350 Highland Drive CUMBERLAND COUNTY, Lewisville, TX 75067, PENNSYLVANIA Plaintiff, �v Vs. CIVIL Matthew B. Cox 823 Flintlock Ridge Rd I Mechanicsburg, PA 17055, and Jennifer D. Cox 823 Flintlock Ridge Rd Mechanicsburg, PA 17055, Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action,you may be able to participate in a court-supervised conciliation conference in an.effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First, within twenty(20) days of your receipt of this notice,you must contact MidPenn Legal Services at(717) 243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative,you must promptly meet with that legal representative within twenty(20)days of the appointment date. During that meeting,you must provide the legal representative within twenty(20) days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto,the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative i of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60)days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. i IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM IS FREE. Re ectfully submitted: VIDate Robe W. Williams, Esquire Milstead&Associates, LLC 1 E. Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190 (f) THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program i Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: 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? 4 :1' • 0 Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell:_ Other: Email: #of people in household: How long? JNAN-1CfAL1NTFORMATJONV First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Tpe of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy?Yes❑No❑ 9.31137 i 1666 THE 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#l.:Model: Year: Amount Owed: Value: Automobile#2:Model: Year: Amount Owed: Value: Other transportation.(automobiles,boats,motorcycles): Model: Year: Amount.Owed: Value i i Monthly Income Name of Employees: 1. 2. 3. Additional Income Description(not wages): j 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 2n Mortgage Utilities Car Pa meats Condo/Neigh.Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop.payment Install.Loan Payments Cable TV Child Su ort/Alim. Spending Mone Da /Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes❑No❑ If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: i 9.31137 2 i 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: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information,if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, ,authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options.I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation(hardship Ietter) ✓ Listing agreement(if property is currently on the market) 9.31137 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson : ;LL J- C' ' . Sheriff TNS NOINOI-4� i,;,. . nrin at Clunk, +- Jody S Smith i Chief Deputy �v �� 11 Pli 3:O � Richard W Stewart CiE)iA1O,I t,t{ A COO Solicitor OFFICE OF THE $ .RIFF 3ENNS,'Y1,VkidfP Nationstar Mortgage LLC vs. Matthew B. Cox (et al.) Case Number 2014-3905 SHERIFF'S RETURN OF SERVICE 07/10/2014 02:00 PM - Deputy William Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Matthew Cox, Husband, who accepted as "Adult Person in Charge" for Jennifer Cox at 823 Flintlock Ridge Road, Upper Allen Township, M; hanicsburg, PA 17055. WIL A INE, DEPUTY 07/10/2014 02:00 PM - Deputy William Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defen-nt, to wit: Matthew B. Cox at 823 Flintlock Ridge Road, Upper Allen Township, Mechani . burst' A 17055. W L A CLINE, DEPUTY SHERIFF COST: $55.30 SO ANSWERS, July 14, 2014 (c) CountySuito Sheriff, Teleosoft. Inc. RONNY R ANDERSON, SHERIFF MILSTEAD&ASSOCIATES,LLC BY: Robert W. Williams,Esquire ID No. 315501 1 E. Stow Road OCT —? . Marlton,NJ 08053 (856)482-1400 File Number: 30.31137 Attorney for lh intefr Nationstar Mortgage LLC COURT OF COMMON PLEAS Interstate Corporate Servicing Cent CUMBERLAND COUNTY Bldg#9 Norfolk,VA 23502, Plaintiff, No.: 14-3905 CIVIL Vs. Matthew B. Cox 823 Flintlock Ridge Rd Mechanicsburg,PA 17055 and Jennifer D. Cox 823 Flintlock Ridge Rd Mechanicsburg,PA 17055, Defendants 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 Matthew B. Cox and Jennifer D. Cox,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 $255,788.55 Interest 6/13/14 through 09/30/14 $2,272.47 Escrow Advances $3,408.89 TOTAL $261,469.91 I hereby certify that(1)the addresses of t Plaintiff and Defendants are as shown above and(2) that notice has been given in accordance with R e 7.1. c attached. Robert W. Williams, Esquire Attorney for Plaintiff DAMAGES ARE REBY ASSESSED AS INDICATED '' DATE: PITH ®AR.4 MILSTEAD& ASSOCIATES,LLC BY: Robert W. Williams, Esquire ID No. 31.5501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff Our file number: 30.31137 Nationstar Mortgage LLC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, No.: 14-3905 CIVIL Vs. Matthew B. Cox and Jennifer D. Cox, Defendants TO: Matthew B. Cox Jennifer D. Cox 823 Flintlock Ridge Rd, 823 Flintlock Ridge Rd, Mechanicsburg,PA 17055 Mechanicsburg, PA 17055 DATF, OF NOTICE: September 10,2014 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY,THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten(10)days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer,this office may be able to provide you with information about agencies that may offer legal services to eligible persons at a reduced fee or no fee. Pagel of 3 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE,PA 17013 717-249-3166 MILSTEAD &ASSOCIATES,LLC By: . obert 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 File Number: 3 0.3113 7 Attorney for Plaintiff Nationstar Mortgage LLC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, Vs. No.: 14-3905 CIVIL Matthew B. Cox and Jennifer D. Cox, 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, Matthew B. Cox, is over 18 years of age, 3. defendant, Jennifer D. Cox, is over 18 years of age, . i DATE: CS l Robert Williams, Esquire Department of Defense Manpower Data Center Results as of:Oct-01-2014 06:18:22 AM SCRA 3.0 Start .Report Pursuant to Scrviccmemben:Civil Relief dict Last Name: COX First Name: MATTHEW Middle Name: B. Active Duty Status As Of: Oct-01-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA 'NA No NA This response reflects whether the individual or hLsMer unit has received eady 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. 01 Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 041125 Arlington,VA 22350 Department of Defense Manpower Data Center Results as of:Oct-01-2014 06:18:58 AM SCRA 3.0 Status Report Pursuant to Servicememben Civil Relief Act Last Name: COX First Name: JENNIFER Middle Name: D. Active Duty Status As Of: Oct-01-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA ';.NA -.No NA This response reflects where the individual left active duty status:within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA I 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. ) 141h, 6 cral+ _W Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File No. 30.31137 Nationstar Mortgage LLC COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, No.: 14-3905 CIVIL Vs. CIVIL ACTION Matthew B. Cox MORTGAGE FORECLOSURE Jennifer D. Cox Defendants CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendants, Matthew B. Cox and Jennifer D. Cox on July 10, 2014 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit"A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities. Robert W. Williams, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Y 'A Chief Deputy :, Richard W Stewart Solicitor Nationstar Mortgage LLC Case Number vs. 2014-3905 Matthew B. Cox (et al.) SHERIFF'S RETURN OF SERVICE 07110/2014 02:00 PM-Deputy William Cline,being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Matthew Cox, Husband,who accepted as"Adult Person in Charge"for Jennifer Cox at 823 Flintlock Ridge Road, Upper Allen Township, M hanicsburg, PA 17055. WIL A INE, DEPUTY 07/10/2014 02:00 PM-Deputy William Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defen nt,to wit: Matthew B. Cox at 823 Flintlock Ridge Road, Upper Allen Township, Mechani bur , A 17055. L A CLINE, DEPUTY SHERIFF COST: $55.30 SO ANSWERS, 6�z July 14, 2014 RONNY R ANDERSON, SHERIFF ,y r-matfSu':fe Sh-s-W.ToieesoP Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Nationstar Mortgage LLC, CIVIL ACTION Plaintiff, Vs. ' NO.: 14-3905 CIVIL Matthew B. Cox i PRAECIPE FOR WRIT OF EXECUTION and (Mortgage Foreclosure) Jennifer D. Cox, (--), Defendants. t rti c) - �.) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: �p - ©c, 1. Directed to the Sheriff of Cumberland County; w r,+C3 =IP CD - 2. Against the Defendant(s) in the above -captioned matter; a' �' 3. and index this writ against the Defendant(s) as follows: Matthew B. Cox Jennifer D. Cox Real Property involved: 823 Flintlock Ridge Rd Mechanicsburg, PA 17055 DATE: ck gLga4- , __ k 3/.1-(4 6 t'.5-5, 36 Co BF $.463, ? 05•54-8F 16 C° 1-J44,6s' Pat ty Amount Due Interest from 10/1/14 to Date of Sale at $757.49 per month (6%) TOTAL (Costs to be added) $261,469.91 Respectively submitted, stead & Associates, LLC Robert W. Williams, Esquire Attorney for Plaintiff 1 E. Stow Road Marlton, NJ 08053 co , d- S P Co. 5 6 lb ue �-L ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Upper Allen, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the northerly line of Flintlock Ridge Road (forty feet wide) at the corner of lands now or formerly of Wayne Boyd; thence along the line of said lands now or formerly of Wayne Boyd, north twenty-four (24) degrees thirty-six (36) minutes West, a distance of one hundred forty-three and thirty-one one -hundredths (143.31) feet to a point on the line of lands of the Pennsylvania Turnpike; thence along said lands of the Pennsylvania Turnpike North sixty-eight (68) degrees fifty -right (58) minutes East, a distance of one hundred and zero one -hundredths (100.00) feet to a point; thence continuing along the same, North eighty-one (81) degrees forty-four (44) minutes fifteen (15) seconds East, a distance of eighty-three and thirty-four one -hundredths (83.34) feet to a point on the dividing line between Lots Nos. 11 and 12 on the hereinafter mentioned Plan of lots; thence along said dividing line between Lots Nos. 11 and 12 South fourteen (14) degrees eight (08) minutes fifty-two (52) seconds East, a distance of one hundred seventy-one and sixty-one one hundredths (171.61) feet to a point on the northerly line of Flintlock ridge Road aforesaid; thence along the northerly line of Flintlock Ridge Road along a curve to the right, having a radius of three hundred seventy-nine and zero one - hundredths (379.00) feet, an arc distance of forty-six and ninety-three one -hundredths (379.00) feet, an arc distance of forty-six and ninety-three one hundredths (46.93) feet to a point; thence continuing along the same North eighty-four (84) degrees six (06) minutes West, a distance of eight and zero one -hundredths (8.00) feet to a point; thence still along the same, along a curve to the left, having a radius of two hundred and zero one - hundredths (220.00) feet, an arc distance of one hundred four and sixty-three one - hundredths (104.63) feet to the point and place of BEGINNING. BEING Lot No. 11 on the Plan of lots of Flinlock Ridge. Title to said Premises vested in Matthew B. Cox and Jennifer D. Cox, his wife by Deed from Wilbur Fink and Jeanette L. Fink Revocable Living Trust dated 3/3/2009 and recorded on 4/20/2009 in the Cumberland County Recorder of Deeds in Instrument No. 200912326. Being known as 823 Flintlock Ridge Rd, Mechanicsburg, PA 17055 Tax Parcel Number: 42-26-0247-023 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: 30.31137 Nationstar Mortgage LLC, COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY No.: 14-3905 CIVIL Matthew B. Cox and Jennifer D. Cox, AFFIDAVIT OF SERVICE Defendants ; PURSUANT TO RULE 3129.1 Vs. Nationstar Mortgage 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 823 Flintlock Ridge Rd, Mechanicsburg, PA 17055: 1. Name and address of Owners(s) or Reputed Owner(s): Matthew B. Cox 823 Flintlock Ridge Rd Mechanicsburg, PA 17055 Jennifer D. Cox 823 Flintlock Ridge Rd Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the Judgment: Same as above ra. 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Nationstar Mortgage LLC (Plaintiff herein) Interstate Corporate Servicing Cent Bldg #9 Norfolk, VA 23502 4. Name and Address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC (Plaintiff herein) Interstate Corporate Servicing Cent Bldg #9 Norfolk, VA 23502 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 823 Flintlock Ridge Rd Mechanicsburg, PA 17055 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 Upper Allen Township Tax Office 275 Cumberland Parkway #325 Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue, 2nd Floor Mechanicsburg, PA 17013 Department of Domestic Relations Cumberland County Courthouse 13 N. Hanover Street Carlisle, PA 17013 Department of Revenue Bureau of Individual Taxes Inheritance Tax Division PO Box 280601 Harrisburg, PA 17128-0601 Cumberland County Tax Bureau 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 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: b I � g041 Robe'rt W. Williams, Esquire Attorney for Plaintiff NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES 1N INTEREST AND CLAIMANTS OWNER(S) Matthew B. Cox Jennifer D. Cox rri PLAINTIFF/SELLER: Nationstar Mortgage LLC z DEFENDANT(S): Matthew B. Cox <c:;' Jennifer D. Cox cc-) 37 PROPERTY: 823 Flintlock Ridge Rd Mechanicsburg, PA 17055 (Improvements erected thereon) JUDGMENT AMOUNT: $261,469.91 CUMBERLAND COUNTY No.: 14-3905 CIVIL -, 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. Sincerely, Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton, NJ 08053 30.31137 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File Number: 30.31137 Attorney for Plaintiff Nationstar Mortgage LLC, COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY Vs. No.: 14-3905 CIVIL Matthew B. Cox NOTICE OF SHERIFF'S SALE OF and REAL PROPERTY PURSUANT Jennifer D. Cox, TO PA.R.C.P.3129 Defendants TAKE NOTICE: Your house (real estate) at 823 Flintlock Ridge Rd, Mechanicsburg, PA 17055, 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 $261,469.91 obtained by Nationstar Mortgage 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 Sheriffs 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 Sheriff within 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 30.31137 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 MAORTGAGE LLC Vs. NO 14-3905 Civil Term CIVIL ACTION — LAW MATTHEW B. COX AND JENNIFER D. COX 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: $261,469.91 L.L.: $.50 Interest FROM 10/01/14 TO DATE OF SALE AT $757.49 PER MONTH (6%) Atty's Comm: Due Prothy: $2.25 Atty Paid: $204.05 Other Costs: TO BE ADDED Plaintiff Paid: PA Date: 10/27/14 4V' David P. Buell, rothonotary (Seal). By: Deputy REQUESTING PARTY: Name: Robert W. Williams, Esq. Address: Milstead & Associates, LLC, 1 E. Stow Road, Marlton, NJ 08053 Attorney for: Plaitiff Telephone: 856-482-1400 Supreme Court ID No. 315501