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HomeMy WebLinkAbout14-4920 1- Supreme Couf,1 ofTennsylvania Court of-C_ommo Pleas For Prothonotary Use Only: C vWCov60h6et ' tDocket No: 1� CUMBERLAND / County rt. r,.. The information collected on this forma is used solely for court administration purposes. This form does not supplement or replace lhe.iling and service o1'hleodings or other papers as required by lain or rvtles of court. Commencement of Action: S X, Complaint Writ of Summons Petition Q Transfer from Another Jurisdiction Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: FEDERAL NATIONAL MORTGAGE ASSOCIATION RICHARD B. STAMBAUGH JR. T Dollar Amount Requested: Elwithin arbitration limits I Are money damages requested? 0 Yes El No (check one) fx outside arbitration limits O N Is this a Class Action Suit? El Yes Ix. No Is this an MDJAppeal? [] Yes 0 No A Name of Plaintiff/Appellant's Attorney: POWERS, KIRN &ASSOCIATES, LLC. 0 Check here if,you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an "X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional El Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection: Credit Card El Board of Assessment E] Motor Vehicle Debt Collection:Other [3 Board of Elections rl Nuisance L_] Dept.of Transportation Premises Liability El Statutory Appeal:Other S Q Product Liability (does not include E mass tort) El Employment Dispute: El Slander/Libel/Defamation Discrimination C 0 Other: Employment Dispute:Other __' Zoning Board T Other: I E] Other: O MASS TORT C! Asbestos N Mi Tobacco F1 Toxic Tort-DES E] Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS E] Toxic Waste Q Other: 0 Ejectment C' Common Law/Statutory Arbitration B El Eminent Domain/Condemnation E] Declaratory Judgment El Ground Rent E] Mandamus El Landlord/Tenant Dispute 0 Non-Domestic Relations E] Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY M Mortgage Foreclosure:Commercial El Quo Warranto 0 Dental [] Partition Replevin '.71 Legal 0 Quiet Title 0 Other: E] Medical 0 Other: Q Other Professional: Updated 1/1/2011 POWERS,KIRN&ASSOCIATES,LLC Jill Manuel-Coughlin,Esquire Id.No. 63252 r ,, JolantaPekalska,Esquire Id.No.307968 Harry B. Reese,Esquire Id.No. 310501 Daniel C.Fanaselle,Esquire Id.No. 312292 • �o=fy Matthew J. McDonnell,Esquire Id.No. 313549 <e'� Eight Neshaminy Interplex, Suite 215 Trevose PA 19053 (' (215)942-2090 ATTORNV✓ -S)FQR'PL,�1 IYTi1l F FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION("FANNIE MAE") 3900 WISCONSIN AVENUE NW CIVIL DIVISION WASHINGTON,DC 20016-2892 CUMBERLAND COUNTY PLAINTIFF NO. VS. COMPLAINT IN RICHARD B. STAMBAUGH,JR. MORTGAGE FORECLOSURE RICHARD B. STAMBAUGH, SR. 405-407 FOURTH STREET A/K/A 405 FOURTH STREET SUMMERDALE,PA 17093 UNITED STATES OF AMERICA 228 WALNUT STREET, SUITE 220 P.O.BOX 11754 HARRISBURG,PA 17108 DEFENDANTS 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 defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S.Bedford Street Carlisle,PA 17013 �' s, 717-249-3166 800-990-9108 Q V r I 0�� �I �C�g M IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE,BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.0 § 1692 et seq. (1977), DEFENDANT(S)MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S)DO SO IN WRITING WITHIN THIRTY (30)DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S)WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY(30)DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S)THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY(30)DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY(20)DAYS,YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE,NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY(30)DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY(30)DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE)TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. POWERS, KIRK&ASSOCIATES, LLC Jill Manuel-Coughlin,Esquire Id. No. 63252 Jolanta Pekalska,Esquire Id. No. 307968 Harry B. Reese, Esquire Id. No. 310501 Daniel C. Fanaselle, Esquire Id.No. 312292 Matthew J. McDonnell,Esquire Id.No. 313549 Eight Neshaminy Interplex, Suite 215 Trevose,PA 19053 (215)942-2090 ATTORNEYS FOR PLAINTIFF FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION("FANNIE MAE") 3900 WISCONSIN AVENUE NW CIVIL DIVISION WASHINGTON, DC 20016-2892 CUMBERLAND COUNTY PLAINTIFF NO. VS. COMPLAINT IN RICHARD B. STAMBAUGH, JR. MORTGAGE FORECLOSURE RICHARD B. STAMBAUGH, SR. 405-407 FOURTH STREET A/K/A 405 FOURTH STREET SUMMERDALE,PA 17093 UNITED STATES OF AMERICA 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG,PA 17108 DEFENDANTS CIVIL ACTION MORTGAGE FORECLOSURE 1. Federal National Mortgage Association ("Fannie Mae"), a corporation organized and existing under the laws of the United States of America, hereinsafter referred to as "Plaintiff', is a corporation with a principal place of business in Washington, DC. 2. Richard B. Stambaugh, Jr. and Richard B. Stambaugh, Sr. (hereinafter referred to as "Defendants")are adult individuals residing at the address indicated in the caption hereof. 3. Plaintiff brings this action to foreclose on the mortgage between Defendants and itself as Mortgagee by Assignment. The Mortgage, dated February 15, 2002,was recorded on February 22, 2002 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Book 1749, Page 4677. An Assignment of Mortgage was recorded from Broadview Mortgage Company to Principal Residential Mortgage, Inc. on February 22, 2002 in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book r 684, Page 463 1. Plaintiff is the Mortgagee by Assignment by virtue of an Assignment of Mortgage recorded from CitiMortgage, Inc., Successor in Interest to principal Residential mortgage, Inc. on February 14, 2014 in the Office of Recorder of Deeds in Cumberland County in Instrument#201403244. Copies of the Mortgage and Assignments of Mortgage is attached and made a part hereof as Exhibits `A' and `B'. 4. The Mortgage secures the indebtedness of a Note executed by the Defendants on February 15, 2002 in the original principal amount of$131,800.00,which is payable to Plaintiff in monthly installments with an interest rate of 8.000%. A copy of the Note is attached and made a part hereof as Exhibit `C'. .5. The land subject to the mortgage is 405-407 Fourth Street a/k/a 405 Fourth Street, Summerdale,PA 17093. A copy of the Legal Description is attached as part of the Mortgage as Exhibit`A' and incorporated herein. 6. The Defendants are the Record Owners of the mortgaged property located at 405-407 Fourth Street a/k/a 405 Fourth Street, Summerdale,PA 17093. 7. The Mortgage is now in default due to the failure of Defendants to make payments as they became due and owing. As a result of the default,the following amounts are due: Principal Balance $116,296.75 Interest to 07/18/2014 $26,018.61 Escrow Overdraft $6,921.05 Legal/Attorney $495.00 Mortgage Insurance $21.97 Prior Servicer-Late Charges $8.88 Property Inspections $105.00 Title $350.00 TOTAL $150,217.26 plus interest from 07/19/2014 at$25.49 per day, costs of suit and attorney's fees. 8. Plaintiff is not seeking a judgment of personal liability(or an in personam judgment) against the Defendants in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. 9. If Defendants have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. 10. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Homeowners' Emergency Mortgage Assistance ("Act 91 Notice")35 P.S. Section 1680.403c. 11. The Notice of Homeowners' Emergency Mortgage Assistance was required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendants by regular and certified mail on June 2, 2014. A copy of the Notice is attached and made a part hereof as Exhibit `D'. 12. The United States of America is named as a party pursuant to 28 U.S.C. Section 2410 because the United States of America holds a Federal IRS Tax Lien filed against Richard B. Stambaugh on May 26, 2009 (No.: 2009-03437 ) in the amount of$31,080.46.A copy of the Federal Tax Lien is attached and made a part hereof as Exhibit `E'. WHEREFORE,Plaintiff requests the court enter an in rem judgment against the Defendants, in the sum of$150,217.26,together with interest, costs, fees and charges collectible under the mortgage, including, but not limited to attorney's fees and costs, and for the foreclosure and sale of the mortgaged property. POWERS, KIRK&ASSOCIATES, LLC BY: ..--- ❑ Jill Manuel-Coughlin,Esquire Id.No. 63252 ❑ Jolanta Pekalska, Esquire Id. No. 307968 ❑ Harry B. Reese, Esquire Id.No. 310501 X Daniel C. Fanaselle,Esquire Id.No. 312292 ❑ Matthew J. McDonnell,Esquire Id.No. 313549 Attorneys for Plaintiff EXHIBIT "A" i LANDEX Document Data Page I of I Instrument#: 200207671 Book: 1749 Recorded Date: FEB 22,2002 Page: 4677 12:00:00 AM Total Pages: 17 Instrument Type: MORTGAGE Parcel Numbers: N/A County: CUMBERLAND Municipality: EAST PENNSBORO TOWNSHIP Recording Status: VERIFIED Notes: ASSG PRINCIPAL RESIDENTIAL MTG INC MISC B684/4631 MORTGAGOR MORTGAGEE STAMBAUGH,RICHARD B JR AKA RICHARD BROADVIEW MORTGAGE CO JR STAMBAUGH,RICHARD B SR :—r)T--+WT---=QTAAif n it'7»ni A f U EJi 0jr DEEDS i ap FEB 22 15 • 1 Prsgsred By: Return To: Broadview Mortgage Company Broadview Mortgage Company 95 E. Milson Bridge Road 3= 95 E. Wilson Bridge Road Worthington, OR 430B5 t Worthington, OR 43085 800-342-7334 800-342-7334 Parcel Number.-09-1i-3003-Os3 & 09- 3 t - isp,we�bow't7itea 7.tnalcar >�1 t MORTGAGE DF.fTN1T'10Ats Words used its imn]tiplo sections of this daaunieaL etc defined below and other words an defined in Scetlons 3, 11, 13, 18,20 and 21. Certain ru7cs regarding We usage of words isscd in this document aro i also provided in Section 16. t. i (A)"Security Instrument"means this document,which is dated February 15th: 2002 j together with all Riders to this document. J_ (R)'BnrrowLe'is Richard B. Stambaugh; Jr., A Bingle Alan and Richard B. Stambaugh, Sr., A Married pian d E Borrawar is the mortgagor E g got raider this Security Instrument. (C)"Lendet"is Broadview Mortgage Company [ Lender is a Corporation PENNSYLVANIA-Sirtgte F�3n*-Fan:ile Mae/FM6rlie Mae UNIFORM INSMu F ENr Form 3034 If 01 Paye 1 of 16 - mftl� ��f/ yj' E VXPMGRTCAGEMSMS-(BDp)521--37- -2`91 --7-1��_----- - awe { BAK 1749PG4677 i Ire i f s s t{ i f t T i x ELY {f( 7 Organized and existing under the laws of the State of Ohio Lender's address is 95 E. WilSon Bridge Road, Worthingtorl, OR 43085 Lender is the mortgagee under this Set f ttrity Instrument. � (D)"Note"means the prorsissory nota signed by Borrower and dated February 15th, 2002 E The Now states ilial Borrower owes Lender One Hundred Thirty One Thou&and Eight Hundred and nolIUD. 131 r 900,00 }plus interest.Borrower has rx.,.,.� Dollars p ed to pay this debt in regular Periodic Payments and to pay the debt in fall not laser than March Ist, 2032 (E)"Property" means the property that is described below under the heading'Transfer of Rights is the t Property." (F)"Engin"means the debt evidenced by the Note,plus interns t<any prepayment charges and late charges due under the Note,and all arms due under this Security Instrument,plus interest. {G)"Riders" means all Riders to this Security Instrument that are executed ley Borrower. The following Riderst are to be cxccuted by]Borrower[chock box as applicable]; Adjnstable Rate hider Condominium hider S000nd Ronne Rider Balloon Rider planned Unit Development Rider 1.4 Family Rider VA Rider Biweekly P2yirlont Rider _ OtherCs)(specify] i t CEI) "AppVcnble Law" means all controlling applicable federal, state and local statutes. regulations, s ordinances and administrative rules and Orders (that have the effect of law)as well as all applicablenai, non appealable judicial opinions. (1)"Community Association Dues,Fees,and Assesnufsits" moans all dues,fees,sssessme»ts and other charges that are imposed on Borrower or file Property by a eandaminium association, S and other association or similar organization. (J) 'electronic Fonds ZYatrsfer" rneans any transfer of Rinds, other than a transaction originated by i check, draft, or similar pager instrument, which ia-initiated through an olectronia terminal, telephonic f instrument,computer,Or magnetic taac so as to order.Instruct.or authorize a fmanciai institution to debit or credit as account Such term includes, but is not }invited to.point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers. and automated rlowinghouse transfers. F (K)"Escr©tiv.Itentsn means those Items that are dcscribed in Section 3. (L)"ATISCellanomm Proceed8" means any compensation, settlement, award of damages,or proceeds paild by any third party(other titan insurance proceeds paid'under the coverages describedin Sectimt 5) for. {f) damage to. or destruction of, the Property; (ii) eondetnaadoa or outer tatting of all or any part of the ` Propixry (Iii) conveyance in lieu of condemnation;or Cv)a xisrepresentations of,or omissions $s 10. the value and/or condition of the Property. CA*"Mortgage InsumuCe"means insurance protecting Lender against the nonpayment of, or default on, the Loan. (lH)'xt'eriadlc Pay,nent"mcwla use regularly scheduled amount due for(i)principal and infcrest under the NOtc,plus(ii)any amounts under Section 3 aftMs* Security Instrument, t { -6{PA)tacos} mroair •rayl 2 W 16 Form 3139 l joS • /�•+� StC� x i i 1 . j ' i 8,1117 4 M PG 4orf 1 8 1 ' r t F i ' f f r - a i {O)�iRESPAtttans the Real Estate Settlernent Praaedaaos Act(I2 Zi_S.C• Seation 26Q1 et req,) and its implementing regulation, P-Rulation X (24 C.F.R. Past 3$00)'as theymight ` mi t be a-munded from time to ; time.or any additional or s--=essor legislation or regulation that'govrrns the same subject atatxer.As used in this Security Instrument,."RESPA"refers Io all requirements and restrictions that are imposed in regard .to 2"federally related mortgage loan" evert if the Loan does not Qualify as a"federally related mortgage { loan"under 1ti;SPA. (P) "successor in Interest of Borrower" means any party that has taken title to the Property,whether or �not that party has assumed Borrower's obligations under the Note aad/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY i This Security Insirunsent secures to Lend (1)the repayment of the Loan,and an renewals,e3a=sions and modifications of the Note, aad(4)the performance of Borrower's covenants and: agreements ander this Security Ivstrmnent and the Nota.For chis purpose.Borrower does hereby mortgage,'grant and convey to Leader rho following described property located in the County Ctype oiR=0dingtndadictioal of Cumberland (Kama wxrsording ta-3cdictronp C } i , - 4 - i i i _ t ti= i J • E which eurrchtly has the address of 405.407 Fourth Street [street] Summerdale tcityl,Pc:Msy)van;a 17093 rzFp coder ("Property Address"): t TOGETI-MR WrM,all the improvements cow or hereafter erected on theS property and 422 S easemeats, apPOrftnancos, and fixtures now or ;screaftar a part of the property_ All replacetaenta and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Secruity Instrument as the-Property.s ®6{3tA)coat a) Fog.3 at 16 Form 3039 Sill j E f f 9K 1 -749PG'4679 t � S • C C t . a i f i • 7 4 l 1 f BORROWER COVENANTS that Borrower is lawfnily seised of the estate hereby conveyed and has t the right to mortgage, grant and convey the Property and than the Property is unencumbered,axitcpt for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances ofrecord. THIS SECURITY INSTRUMENT combines uniforrn covenants for national use and non-teniform s coveaaata with limited variations by jurisdiction to constitute a uniform security iastrumant covering real ., property- UNIPORM COVENANTS.Borrower and Lender covenant and agree as follows: I. Payment of Principai, Interest, Escraw Items, prep$y'auent Charges, and Late Charges. 13ozrotvtr shall pay when due the principal at; and interest on, the debt evidenced by the Note and arty F prepayment charges and late charges due under the Nott. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due ander the Note and this Security Instrument shall be made in Us- i currency.However,if any check or other instrument rccelvod by Lender as payment tinder the Note or this. Security Insn mtenr is returned to Le ider unpaid.Lender may regw;ra that any or all subsequent payments duo under the Note and this Security Instrument be made in one or more of the following Forms, as € selected by Lender, (a) cash; (b) money order, (c) certified check, bank check, treasurer's a heek or _ cashier's check, provided any such check is drawn argon an institution whose deposits arc insured by a- t- federal agency,instrumentality,or entity;or(d)Electronic Funds Transfer_ Payments are deemed received by Leader when received at the Iocation designated in the Note or at �-- such other location as may be dnsignatod by Lender iii accordance with the notice provisions in Section 15. { Lender may return any payment or partial payment If the payaacat orartial p payments are insuPticimt to bring the Loan current. Lender may eccapt any payment or partial payment insnfficicnt to bring the Loan current,without waiver of any rights hereunder or prejudice to its rights to rcfiaso such payment or partial paymonts in the future, but Lender is not obligated to apply such payments at the time such payments are accepted, rf each Periodic Payment is applied as of its scheduled due date, then Lender need not pay i i interest on =applied fiends.Lender may hnId such unapplied titads until Borrower makes paytrteut to bring £ the Loan currant_ If Borrower does not do sa within a reasonable period of rime,Lender shall tither apply such funds or return them ro Boaower. If not applied axrlier,such funds will b¢applied to tate outstanding principal bataace under the Mote imntodiately,prior to foreclosure Na afFsat or slain- which Borrower i -night have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application *Of Payments or Proceeds, irtcecpt as otherwise described in this Section, 2, at, paymems accepted and applied by Lender shall bc.nppliod in the following order of priority; (a) interest due trader the Note; (b) principal due under the Neto;(e)amounts due under Section 3. Such payments As-11 be applied to each Periodic Payment in the Order in which it became due. Any remaining amatt:uts i i shall be applied first to late charges, second to any other amounts due under this Security Instrument,and { thea to reduce the Principal balance of the Notr. If Lender receives a payment from Borrower fot a delinquent Periodic Payment which includes a 1 sufficient atntmnt to Pay any late charge dae, the meat may be applied to the delin ' PaY Y PP� anent payment and the late charge.If more than one Periodic Pay;nent is outstanding Lender may apply say payment rescived from Borrower to the repayment of the Periodic payents and to the ardent that, each payment Van frmbe Mt-&(PA) {aDast Se - - I �® ➢sae<or 35 farm 3to39 1Jt11 t s " IU 749PU4680 F s s . t t i t - 6 j(! or F t ' tt{ P paid in full.To the exient that any excess exists after the payment is applied to the fait payment of one or ffI more Periodic Pa-ymcuts,such excess may-be applied to any late charges due.voluntary prepayauents shall i be applied First to an prepayment char f. Y PnpaYm gee and then as described in the Nates. Any applieation of payments,insurance proceeds, or Mifeellancons Proceeds to principal due under the Note shalt not extend or postpone the due data,or change the amount,of the Periodic Payments, 3. fiords for Escrow Items. Borrower shell pay to Lender on the day Periodic Payments era duo i tinder the Note,unit the Nota is-paid in fi%a sum(the"Funds')to provide for payment of amounts duo for:(a)taxes and assessments and other items wlucb can attain prim•ity over this-Security Instrument as a $ lien or encumbrance on the Property; (b)leaschold payments or ground rents an the Property, if any;(c) premium for any and alt insurance required by Lender under Section 5; tend (d) Mortgage Insurance 1 pretuiumts, if any, or nay sums payable by Borrower to Loader in Iicu'of the payment of Mortgage S Insurance premiums €a accord== with the provisions of Stxtiou 30. These items are eailsd "Escrow [ Items." At origination or at any time during the term of the Loan,Lender may require that Community Assoeiacion Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shat{be an Escrow Item.Borrower shalt promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives 13oaower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may only Be f, in writing_In the event of such waiver,Borrower shall pay directly,when and where payable,the amounts c due for any Escrow Items for which payment of Funds has been waived by Lender and, if Landes requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Berrnwer's obligation to make such payments and.to provide masipts shall for all purposes be dcemcd to- be a covenant and agreement contained in this Security Instruruftak as the phrase"ctrvenant and agrecmcnt" is used in Section 9. If Borrower is obligated to-pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item.Leader may exorcise its rights under Section 9 f and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lander may rovake the waiver as to any or all Escrow Items at any time by a notice given in i accordance with Section 15 and,upon such revocation. Borrower shall pay to Lender all Funds, and in such amounts,that arc then required under this Suction 3. Lender may.at any time,collect and hold Funds is 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 tender cam t require under*ESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures or future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be hold in an institution whose deposits are insured by a fedLral agency, instrumentality,or entity(including Lender,if Leader is an institedon whose,deposits are so insured)or in t' Eny Federal Rome Loan Bauk.Lender shall apply the Funds to pay the Escrow Items no later titan the time specified under RESPA. Loader shall not charge Borrower for holding and applying the Ihmds, annually analyzing the escrow atxount;or verifying the Escrow Items,unless Lender pays Borrower interest on the i Funds and Applicable Law permits Lander to make such a charge.Unless an agreement is made in writing or Applicable taw requites interest to be paid on the Ftwds,Lender shall not be required to pay Borrower I eny itftcrest or casings on the Funds, Borrower and Lander can agree In writing, however, that inteest -#(PAj IoNcs) tNtlalq, Pages nt rs Form 3039 1101 1 r t i 1 4 { i i t 1 shall be P414.0n the Funds.Lender shall Siva to Borrowc, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of 1Mnds held in escrow, as defined under RESPA. Lender shall account to Borrower for the excess Rinds in accordance with RI:SPA. If there is a shortage of Funds held in escrow, i as defined tinder RESPA, Lender shalLnotify Borrower as required by RESPA,and Borrower shall pay to � Lender the amount necessary to make up the shortage in accordance with RfiSPA,but in no more than 12 monthly payments.If there is it deficiency of Funds laeld in escrow;as defined under RESPA,Lender shall i notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,brit in no more than 12 monthly payments. Upon payment in full of all suras secured by this Security Instrument,Lender shall promptly refund- to Borrower any Funds held by Lender. 4. Charges; Elects. Borrower shall pay all taxes, assessments, charges, fins, and impositions attributable m the Pro which can attain i pm'ty priority over this Security Instrwnznt, leasehold payments or ground rents on the Property,if any,and Commuaity Aasoeiation Buns,Fees,and Assessments,if any.To ; the extent that these Moms arc Escrow Imms.Borrower shall pay thein in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a)agreas in writing:to the payment of the obligation secured by the lien in a martntr acceptable to Lender.but only so long as Borrower is perfornting such agreement; (b)contests the lien in good faith } by, or defends against onforccmcnt of the IiEn in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lion while those proceedings arc pending, but only until such proceedings i F are concluded;or(c)secures from the holder of the lies an agreement satisfactory to Leader subordinating € the lien to this Security 3nstrument. If Louder determines that any part of the Property is subject to a lieu i which can attain priority over this Security Instztunoat, Lender may give Borrower a notice identifying the lien.Within iU days of tate date oa which that notice is given,Borrower shall satisfy the lien or take one or I more of the actions set forth above in this Section 4. Tonder may require Borrower to pay a ono-timc charge for a real estate tax verification and/or reporting service used by Lender in entmccii6n with thus Loan. S.Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term "extended coverage," and any other hazards including,but not limited to, earthquakes and floods,for which Lender Tequires Insumnoc. This insurance shall bo maintained in the amounts (including deductible levels) and for the periods that Lender requires.What Lender requires pursuant to the preceding sentences can change during the terra of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which Tight shag not be exercised unreasonably. Lender may require -Borrower to pay. in connection with this Loan. either: (a) a ono-time charge for flood zone i determination. cortiEcation and tracking servic:s; or(b} a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the paymcat of any fees imposed by the Federal Emergency Management Agency in connection with the s review of any flood zone determination resulting From an objection by Borrow= � Inaytc, dM-6(PA)10M) no*f of tb Form 3039 1/01 DU 174901-4682 5 If Borrower fails to maintain any of the Coverages described above,'Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is tinder no obligation to purchase any particular type or amount of coverage.Therefore, such coverage shall cover Lender,but might or might not prtstect Boarowcr,Borrower's equity in the Property,or the contents of The Property, against any risk, haa- d or liability and Wright provide greater or lesser eovintage than was previously in afbct. Borrower ackaowle4gcs that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained.Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at rte Note rata from the date of disbursement and sball bc.payable, with such interest,upon notloe &oat Lender to Borrower requesting payment. All insurance policies required by Lender aid renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policles and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid ptemiurns and renewal notices. If Borrower obtains any form of insurance coverage,not otherwise required by Lender, For damage:to, or destruction oy the Property, such policy shall include a'stundard mortgage cla.:so and shall iaame Lender as mortgagee and/or as an additional loss payeo. In the tivcnt of,loss,Borrower shall give prompt notice to the insuraooc oarrier and Lender. Leader may-make proof of loss if not made promptly by Borrower.Unless Lender and Borrower othorwisc agree in writing,any insurance proceeds,whother at not the underlying insurance was required by Leatdcr, shall be applied to restoration or repair of the Property,if the restoration or repair is aconornically feasible and Lender's security is not lessened. During such repair and restoration period,Louder shall have the right to hold such insurance proceeds until lender has Had an opportunity to inspect such Property to entre the work has been completed to Lender's satisfaction, provided that such icspection shall be undertaken promptly.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or evenings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insttraacc proccods and shall be the sole obligation of Borrower. If the restoration or repair is riot economically feasible or Lcndcr's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Insrrumcnt, whether or not than dire, with rhe excess,if any,paid to Borrower,Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Peopeity, Lander may $le, negotiate and settle any available insurance claim and relaxed matters.If Bor�rawer does not respond within 30 days to a notice from Leader that the insurance carrier Isms offered to settle a claim, than Lender muy negotiate and settle the claim.The 30-day period will begirt when 1ho notice is given. In either event, or if Lander acquires the Property sender Section 22 or otherwise, Bo=war hereby assigns to Lander (a) Borrower's rights'to any insurance proceeds in an amount not to exceed the amounts•aupaw under the Note or this Security Instrumcat, and (b) any other of Borrower's rights (other than the right ro any refund of nuearacd premiums paid by Borrower)under all insurance policies covering the Property, insofar as such rizhft are applicable to the coverage of the Property.Lender may use the insurance proceeds either to repair or restore the Property'or to pay amounts unpaid under the?Mote or this Security Instrument,whether or not then duo, tnttiets: PA o00$ Idy6( )( ) 7nQe7arr6 Form 3D39 1/01 1� slE, : • I SKI 749Pru,4683 6. Occupancy. Borrower shall occupy, establish, and use the property as Bormwor's principal residence within 66 days after the execution Of this Security Instrutaent and shall continue to occupy The Property as Berrowor`s principal residence for at least one year after the date of occupancy,union Leader otherwise agrees in writing, which consent shall.uot be unreasonably withheld, or unless extenuating circumstances exist which ars beyond Borrowees central. 7. Preservation, Maintenance and protection of the property; Inspectlons. Bozrowcr shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or non Borrower is residing in the Property, Borrower shall taaintain the Property in order"to prsvent the Property from deteriorating or docrzasing in value dire to its condition.Unless it is determined pursuant to Section S that repair or restoration is nut economically feasible.Borrower shall promptly rupatr the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to.or the taking of, the Property,Borrower shall be responnWo for repairing or restoring the Property only if Lender has released proceeds for such Purposes.Lander may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed.If the insurance or condemnation proceeds are not sufficient to repair or restore the Property.Borrower is nor relieved of Borrowers obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Progeny. If it has reasonablo cause,Lends r may inspcot the intor€or of the improvements ort the Property.Lender shall siva Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's I.oau Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entWcs acting at the direction of Borrower or with Borrower's i knowledge or consent gave materWly falser,misleading,or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, represcnta[ioas concerning Borrower's occupancy of the E i Property as Borrower's principal residencc. 9.'Protection of Lender's Interest In the Property and Rights-Under this Security Instrumeu L If i (a)Borrower faits to perform the covenants and agroernonts contained-in this Security Instrument,(b5 there is a legal proceeding that might significantly effect Lcneoez interest in the Pro e i this Seourf Instrument such as a p at and/or rights under ty ( proceeding in bankruptcy;probate.for condemnation or forfeiture,tar f enforcement of a lien which may attain priority over th€s Security Instrument or to enforce laws or reguiaf=ns), or(c)Borrower has abandoned the Property, then Lender may do and pay for whatrvcr is reasonable or appropriate to protect Lender's Interest in the P.raperty and rights under this Security Instrument,including proteoting and/or assessing the value of the Property,and securing andfor repairing the Property. Lander's actions can include,but arc not limited to: (a)paying any sums secured by a lien which has priority over this Security Instrument; (b) appe -vg it1 court; and (c) paying reasonable ammcys'fees to protect its interest in the Property andlor rights under this Security Instrument,including its secured position in a bankruptcy proceeding. Securing the psoporty idcludes, but is not limited to, cntaring.the Property to make repairs, change locks,replace or board up doors and windows,-drain water from pipes,elimbrate building or other cad*violations or dangarous conditions.and have utilhics turned ort or off.Although Lander may take action under this Section 9.Lender does not have to do so and is not ( under any duty or obligation to do so.It is agreed that Lcndcr incurs no liability for not taking any or all E° actions authorized under this Section 9. ! �r d -ti(Pkj(oOOBl veer s M 15 Form 3039 i/41 ; I 41749PjP468 i E t f v Any amounts disbursed by Lender under this Secticrt 9 shall become additional debt uP Borrotver secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interesi,upon notice from Leader to Borrower requesting Payrnertt. If this Security Ynstrumcnt is on's leasehold. Borrower sball comply with all the provisions of the lease If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 14.Mortgage Ingursutee.If Lander required Mortgage Insurance as it condition of making the Loan, Borrower shall pay the promiums required to maintain the MMasan,Imurance in effect.If,for any*per the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage lnsuranca previously in effect, at a cost substantially equivalent to .the cosi to Borrower of the Mortgage Insurance previously in effeet, from an alternate mortgage insurer selected by Lender. If substaurially equivalent Mortgage Insuranoa coverage is not svailable, Borrower shall continue to pay to Lander the amount of the separately designated paymcnta that were due when the insurance coverage ceased to be in effect Lender will accept, use and retain these payments as a non-rcfundablc loss reserve in lieu of Mortgage Insurance- Such loss reserve shalt be non-refundable,notwithstanding the fact that the Loan is ultimately paid in fltll, and.Lender shall not be- required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mort.-age.insurance coverage (in the amvunt and for the period that Lender requires) provided by an Insurer selected by Lender again becomes available, is obtained, and Lender requires separately dosignaTed•paymcnts toward the premiums for Mortgagee Insurance.If Lander required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated Payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in e€€ect, or to provide a non-refundable loss reserve, terror Lendces requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing in this Section 10 aff cts Borrower's obligation to pay interest at the rate provided in the Note. Mortgage insurance reimburses Lender(or any entity that purchases the Nate) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the lblottgage Insurance. Mortgage insurers evaluate their total risk•on all such insurance in force from time to time; and may enter Into agreements with other parties that share or modify their risk,or reduce tosses.These agreements aro on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these agreements. These agrepncnts may requiro the mortgage insures to snake payments using nay source of funds that the mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lander, any purchaser of the Note, another insurer,any reinsurer, jJ any other entity,or any affliatc of any of tho foregoing, may receive(directly or indirectly) amounts that derive from(or might be characterized as) a portion of Borrowers payments for Mortgage Insurance, in axehange for sharing or modifying the mortgage insurer's risk, or reducing losses. If sueh agreeateae S provides that an affiliate of.seeder takes a share of the insurees risk in exchange for a share of the premiums paid to the insdror,the arrangement is Often termad'captive reinsurance."Further: (a) Arty such agreements will not affeet the amounts that .Borrower has agreed to fray for Mortgage Insurance,or any other terms of tate Loan.Such agreaments wile not increase the amount Borrower will owe for Mortgage Iusuranee,and they wili not entitle Borrower to any refund, j JJ ! � 6(PA)tooaal rniwiza � vage 8 of 16 Farm 823$ 1101 Bu 1749PE4685 (b) Any suck ngreerments vdil not affect the rlgltts Borrower has-if any-with respect to the Mortgage Insurance under the Homeowners protection Act of 1998 or any other law. These rights may include the rigiat to receive certain disclosures, to request and obtain caacallation of the. Mortgage Insurance,to have the Mortgage Insurance terminated automadcally, and/or to receive a refund of any Mortgage Insurance premiums ti=nt were unearned at the time of such cancellation or teirminatlon. M Assignment of Miscellaneous Proceeds; Vk*iture. Ali Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lcndces security is not lessened. During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lander has had an opportunity to inspect such property to ansure the work has been completed to Lender's satisfaction,provided that such inspoeli nt.shall be undertaken promptly. Leader may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agruarn=t is made is writing or Applicable Law rcquimr,interest to be paid on such Miseallattocus Proceeds, Lcndcr shell not bc'required to pay Borrower any interest or earnings on such miscellaneous Pr0eeeds.If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security hasirumcnt, whether or not then due, with the excess, if any,paid to Borrowor. Such Miscellaneous Proceeds shalt be applied in the order provided far in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the suers secured by this Security Instrument,whether or not then due, with the excess,if any,paid to Borrower. In the event of&'partial taking,destruction,or loss in value of the Property in wbich the fair market value of the Property immediately before the partial taking,destruction, or loss in value is equal to or greater than the amount of tate sums secured by this Security Instrument irnmediately before the partial taking, destruction, or loss in value,anlcss Borrower and Lender otherwise agree in writing, the suets securcd by this Security Instrument shall be reduced by the amount of the Miscellancous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the i partial taking, dostruction, or loss in value divided by (b) the fair market: value of the Praperty imnscdiattly before the partial to i k'sng,destruction,or loss in value, gtty balance shall be pall to Borrower, i In the event of a partial taking,destruction.or loss is value of the Property in which the fair market I value of the Property immediately before the partial taking.destruction,or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, un]css Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security instrument whether or not the sums are then$ue, E If the Property is absadoned by Borrower, or if after•notiee by Lender to 'Borrower that the (- Opposing Party(as defined in the noxi sentence) oMrs to snake an award to settle a claim for datnagcs, Borrower pails to respond to Lender within 30 days atter the date the notice is given,Lander is atrtitorized l to collect and apply the Misceilatteous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument,whether ornot then dun. 'Opposing Party"means the third parry that owes Borrower Mikeellanzous Proeaeda or the party against whom Borrower has a right of action in i -regard to Miscellaneous Proceeds, i i Borrower shall be in defisu)t if airy acting or proeet:ding, whether civil or criminal, is begun that,in � Lender's judgmant, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights tinder this Security Instrument.Borrower can cure such a default and, if acceleration has occurred, rcinstat•o.as provided in Section 19, by causing the action or__'proceeding to be ' takfah:^.� t '8(PAI(Dock) rapt t0 of Is Form 3038 1/01 f i UK 174 9PG4886 v dismissed with a ruling that,in Lender's judgment.precludes fcsrfeiture of the Property or other material Impairment of Lender's interest in flit Property or rights under this Security Instrument. The proceeds of any award or claire for damages that are attributable to the impairment of Loader's interest in'the Property arc hereby assigned and shall be paid to Leader, All-Miscellaneous ftOcmds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Leader Not a Waiver. 5:ttensioti of the time for payment or modification of amortization of-the sums seeurEd by this Sccurity Instrument granted by Lendt:r to Borrower or any Successor In Interest of Borrower shall not operate to release the liability of Borrower' or any Successors in Interest of Harrower.Lender shall not be required to conuncnce proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment rtr otherwise modify amortization of the-sutras secured by this Sectirily Instrument by reason of any demand anade by the original Borrower or any Seccesaors in Interest of Borrower.Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors its Interest of Borrower ar in amounts loss than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. 13, Joint and Several Liability;Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability 931111 he joint and several.Howcoer,any Borrower who co-sinas this Security Instrument but does trot execute the Note (a "co-siencr""): (a) is co-signing this Security Instrument only to mortgage, grunt and convoy tho co-signer's intcrrst in-the Property under the terms of this Security instrument; (b) is not personally obligated to pay the sans secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes F Barrowces obligations under this Security Instrument in writing, and is approved by L•cnde,shall obtain aII of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability tinder this Security Instrruuent unless Lender agrees to such release in � writing. The covenants and agreements of this Seavrity.Instrument shall bind (oxeept as provided in Section 20)and benefit tate successors and zsslgrs ofLcnder. " {1 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with € Borrower's default, for the purpose of protccting Undoes interest in the Property and rights under this Security Instrument, including, but not limited to. atroincys' fees,property inspection and valuation fees, In regard to any other fees,the absence of express authority in this Security Instrument to charge a specific t fee to Bormwcr shall not be construed as a prohibition on the charging of such fee.Lender may not charge fees that are expressly prolsibitecl by this$eeurity Instrument or by Applieable Law, If the Loan is subject to a law which sets maximum loan charges,and that Law is fmslly interpreted so that the interest or other loan charges collected or to be collected in connection with the Lasts exceed the permitted limits,thea: (a) any such loan charge shall ba reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already eollaetod from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may choose to snake this refund by reducing the principal . owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a Prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such ovorcharge. 15:-Notices. A.11-notices given by Borrow..'Or;or Lander in connection with this Security Instrument roust be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to ttntssc -b(Pit)(cornu) >sss ti at t6 Form 3039 S/Ol 4 sit SKI749PG4687 � 1 i ' 4 • ii; have been given to Borrower xdren availed by forst class mail or when Actually delivered to Bomowefs notice address if font by other means_Notice to any one Borrower shall constitute notitx to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address i unless Barrower has designated a substitute ifOtloe address by notice to Leader.Borrower shell promptly notify Loader of Borrower's change Of address, If Lender specifies a procedure for reporting Borrower's � change of address,theft Borrower shall only report a change.of address tlursuglt that specified procedure. F There may be only One designated notice address uadcr this Security Instrument at any otre time. Any [ i notice to Leader shall be given by delivering it at by mailing it by first class mail to Lenders address stated herein unless Lender has designated another address by notice to norrower. Any notice l31 € connection with this Security Instrument shall not be deemed to have been given to Lender until actually g received by Lender, If any notice required by this security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. E 16. Governing Law; Severability; Rules of Construction, This Security tastrvment shall be governed by federal law and the law of the jurisdiction in which the Property is located.All rights and obligations contained in this Security Instrument arc subject to any requirements sari limitations of Applicable Law.Applicable Law might explicitly or implicitly allow the parties to re age by conttect or it — be construed as a prohibition against agreement by contrroL in might be silent,but such offence shall mei the event that any provision or clause of this Security Instrument or the Ngtc conflicts with Applicable = Law, suCh conflict shall not affect other provisions of this Security instrument or the Note which can be given effect without rhe conflicting provision, _ E As used in this Security Inetrtrmeat; (a) words of the masculine gender shall mean and include 'V corresponding neuter words or words of the feminine gentler; (b) words in the singular shelf mean and include the plural and vice versa; and{c) the word "may°gives sale discretion wi take any action. thout any obligation to 1 17.Borrower's Copy.$orrouwer shall bei given ane copy oftho Note and of this Security Instrument. j 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section I S, "Interest in the property"means any legal or beneficial interest in the property,including,but not limited t to, those beneficial interests transferred in a bond for deed,contract for deed, installment sales contract or escrow agreement,the intent of which is the transfer of titlet by Borrowerat a future daze to a purchaser, If all or any part of the Property or any Interest in the property is sold or transferred(or if Borrower 1 is not a natural person and a benefsofal interest in Borrower is sold or tnm fcrrtd)without Lender's prior i written consent, Lender may require immediate payment in full of all sums secured by this Securi' f InstrumenL However, this option shall not be exercised ty — Applicable Law, by Lender if such exercise is prohibited by ! If Lender excrciscs this option, Lander shall give Borrower notice of acceleration. The notice shall ` provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 hese which Borrower must pay tall slims secured by this Security Instrument. If Borrower fails to pay !! these sums prior to Me expiration of this period, Lander may invoke any remedies permitted by this i Security Instrument without farther notice or demand on Borrower. — 19, Borrower's Right to Reinstate After Aceelerstiom If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security insttasment discontinued at any time [ prior to the earliest of..(a)five days before safe of the Property pursuant to any power of sale contained in E this Security Instrument; (b) such other period as Applicable Law might specify for the tet on aineti of Borrower's right to reinstate; or (c) entry of a judgment enforcingthis seenziiy Instrument_ Those cauditions are that Borrower: (a) pays Leader all sums which then would be due under this Security Instrument and the Note as if:nn a0celcratiMV-1ted ziccurred;(b)cures any default of any other covenants or -G(aA)iatoo) ® Peso tz of 16 Form 3039 I jC1 j i B# 171 9PG468a f agreements; (c)pays all eacpcnses incurred is eufarcing this Seatirity Izfstruasent,including,but not IlmitOd to, reasonable attameys' fors, property inspection and valuation foes, and Other fees iactsrred for the purpose of protecting Lender's interest in the Property and rights under this Seenrity Instrument; and(d) takes such action as Lender may reasonably require to ass::ac that Lender's interest in the Property and rights under this Security lustrumcut,and Borrower's obligation to paylite sutras secured by this Security Instrument,shall continue unclumsed.Lender may require that.Borrower pay such reinstatement aunts and expenses in one or marc of the following forms, as selected by Lender: (a)cash; (b) money order; (c) certified cheek,bank check, troasurcr's check ar cashier's check,provided any such *hale is drawn upon ars institution whose deposits arc insured by a federal agency, •insttvmentafi m entity, 1 ty ry;Or{d)Electronic t Funds Transfer. Upon reinstatcmeni by Borrower,this Security Incbwnent and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 13. 20.Sate of Note;Change of Loan Servicer;Nntfce of Grievance. The Note or a partial interest in €€ the Noto (together with this Secur'it'y Instrument) can be sold one or more times without prior notice to f Borrower. A salo might result in a change in the entity (known as tb0 "Loan Servicer") that collects i Poriodic Payments due under the Nate and this Security.Instrument and performs other mortgage loan servicing Obligations under the Nota, this Seenrity Instrument, and Applicable Law.There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If rhe re is a chance of the Loan Servicer,Borrower will be given written notice of the change which wr"II state the name and address afthe i new Loan Sorvicer. rhe address to which payments should be shade and any other information RESPA � requirrn in connection with a notice of transfer of servicing.If the Note is sold and thcrcafter the Loan is f serviced by a Loan Serviccr other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain wirh the Loan Servicer or be iransforred to a suetcssor Loan Serviccr and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. j Neither Borrower nor Leader may caanmtnca,join, or be joined to any judicial action as sitber an j individual litigant or the member of a class) that arises from the other party's actions pursuant to this Scnurity,Instrument or that alleges that the Other party has breached any provision of,or any duty owed by ' reason nf,this Seenrity Instrument, until such Borrower or Lender has notified the otherart i P y(with such F: notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the s other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Lave provides a time period which trust *lapse before certain action can be taken, that rima period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to 64prrowcr pursusat to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be doomed to satisfy the notice and Opportunity to take corrective i action provisions ofthis Section 20. r 21. Hazardous 5ubstartces. As used in this Section 21: (a) 'Hazardous Substances" arc those _ substances defined as toxic or hazardous substances,polintants, or wastes by Envirornuenta)Law and the following substances: gasollnq Itcroscne, other flammable or toxic petrOlctmt products, toxic pesticides and herbicides,volatile solvents,material's containing asbestos or formal (b)"Environmental Law"means federal laws and laws of the jurisdiction wbheerde the Prand operty iradioactive matthe relate to health, safety or enArotmtental protection; c p" includes a located resthte ( ) "Environmental GIearsu rnclrtdes as response �. action, remedial action, or removal setiou,as defused in Environmental Law; and(d) an 'Environmental Condition" ineans a condition that can cause, contribute to, or otherwise trigger sn -Environmental Cleanup, i -Sfp�+l toaael '"� ® rage is of t'8 Poral 3039 2/02 kkt k BK I 749P.64689 i 1 717 Borrower shall not cayse or permit the presentx,use,'disposal' story a or release of an Hazardous Substances,or threaten to release any Hazardous Substance�-ort a the pro y nor allow anyone eIsa to do, pay.Borrower shall not do, anything affecting the Property {s)that is in violation"of any Environmental i-a�r,{b)which creates sn Fsnvir"neatal Condition,or(o)which,due to the presence,use,or release of a Hazardous Substance,'cre wes a condition that e4varsety aflbcts the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the.Praperty of small quantities of Hazardous Substances that arc generally recogaiz*d to be appropriate tri norma] residcntiai uses end to maintenance of the Prop:city(including,but not limited to,hazardous snbso nor a re-sid uti products). Borrower shall promptly gives Leader vvrittea notice of(a)any iaavestlgation, claim,demand, lawsuit or other action by any govemolental or-regulatory agency or private party involving the property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge.- r Environmental Condition, incIudingg but not limhad to, any spilling, leaking,d cru (b) any threat of release of any Hazardous Substance, and (c) any condition caused by the presence, or release of a ` Hazardous Substance which adversely affects the value of tke Proper ' by any governmental or re ulato °I' ty If Borrower learns. or is nouficd E ry authority, or stay gr{vare party,that any removal or other remediation of any Hazardous Substance affecting tho Property is necessary:Borrower shall promptly take atl necessary f rcmredW actions in accordance with Environmental Law. Nothing herein shall create any aligation on € Lender far an Environmental Cleanup. hF NON-UNIFORM COVENANTS.Borrower andLender further covenant and agree as follows: 22.Acceleration;Remedies.Lender drill give trfltice_to Borrower prior to acceleration ponowing ` Borrowees breach Of any covenant 'or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Laps provides otherwise). Lender shall notify 3 Borrower of,among other things:(a).the default;(b)the actIoa required to titre the default c when i lite'default mast be cured; and (d) that failure to cure the derma as specified may+ressrlt in acceieratloa Of the suras secured by this Security Instrument,foreclflsure by}udEeisi preceeding and € sale of the Property.Lender absJl further ittfarns Sarrawer of the right to reinstate after acceleration And the right to assert in the foreclosure proceeding the non-existence of a: default or any other f defense of Borrower to aeeeleratlon and foreclosure.If the default is not cured as Specified,Lender at ; its option may require Immediate payment in full of all sums secured by this Security Instrument without further demand and Way foreclose oris Security Inshvment by judicial proceeding,Leader I shall be entitled to callecT all expenses Incurred in pursuing the remedies provided in this Section 22, including, but not limited te, attorneys, fees and costs of title ev#dessce to the extent permitted by f r PFUcable Law. 23.Release,Upon payintitt of all suras secured by this Security Instrument,this Security instrument And the estate conveyed 9319l3 tettninate and become void.After such oecurrencS Lender shall discharge and satisfy this SecurityInstrument.phis Security Borrower shall pay any eeaordadon casts. Lender may charge Borrower a fee fol rcicasiag this Security lrstrument,fiat only if the fey!s paid to a third party for sary{cos rendered and the charging of the fee is permitted under Applicable Law. 24.Waiters. Borrower,to the extent pormitted by Applicable Law,waives and releases any error or defects in proceedings to enforce this security lnstnrmont,and her waives the benefit of mm future laws providing for stay of execution, extension of time, exemption from attachment, levy y present or and homestead exemptIM cad sale, 25.P-Wnstatement Period.Borrower's time to reinstate provided in Section 19 shall extend to one f hour prior to the oorarnertco nant of bidding at a sheriffs sale or other sale pursuant to this Scetrrit; E Instrurarnr. 444 25.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 Instrtuaent shall be a purchase money mortgago. 27.Interest Rate After Judgment Borrower agrees tbat the interest rate payable after a judgment is h` 'erste red on the Mote or•ars an action of mortgage foreclosure shall be the'rate � under the Note. pa from ti to time "€€ i 1L�•4(FA)locos) trni.a € �ts Page 24 of is Form 3a3 IJQ1 $9174 9PG41690 s BX SIGNING BM-;D r, Boaower aaeepta and agmes to the terms and covenants con taintd in this c Security Instrument ts=d in any Rider executed by Borrower and recorded with it, t wltn=scs: t l t Richard H. Stambaugh, scat) 9 Jr.3r -Hanmwe- t Y (Sea])• Richard B. Stat(ti�a-Ugh, Sr. -rZoaowm `= i . -t3GIICS1'Lf (Seat) �BO+'�owcf ktF f {Sea* _aorrawcr (Seal) -,8amever f . t {Scat) . - -Borrower (Seat) i -Bomawa € i ' 1 F 1 (M•SCPA)(*a aa) vase tsor:e Farm San 1/4f 749P9469 I f t Certificate of Resiaence the correct address oft he within-named Mortgagee is ,do hereisY certify that F Witness my hand this 15thdr ay of February 2002 A$rnI OC A+lprtgwge! CaI1WONWEA.LTHOF}°ENNSYLVANIA, _ �! �/ �r X31 ,r Catsnty�ss: On this,Lha 3Sth day of February —(Lo?�ccr,gc:sonaity appeared Richard �. 2DD2 ,before tale,the c Stambaugh. Sr. Starnbettgh, Jr. and Richard B, f satisfaatoriT y proven) to be the pe rso n(s) whose namc(s} islare subscribed to thwithin own to me(or j acknowledged that hs Jshelthey executed the same for the strunlent and € purposes he e roin coatairied. Uf W7TNMS WRE EOF, hereuato set my hand and offir:ieT sea]. MY commission Expires: aS�tiL,t,�'ttiTi:ir;Jl;�F r Cr e N�n'•��� '"�t1 ti TiUe oC O�oer p L8Utfe L Wdf,NetatY F3ift a SatEhil+fiQGte3oftilw�i.,Qitt MYCOttt7ft9 tt E)VMJM T,2M ' ;• iisantber,Psrx�syhMnieA�so6e6onat�ioiaties -- � M-6(PA)(Dannlaalatr. ® Page 16 or is form 3039 1/01 BKI749PG4692 � . t LEGAL DESCRIPTION 4 ALL that certain piece ofpareel of land situate in East Pcnnsboro Township,Cumberland County,Pennsylvania,bounded and described as follows,to wit: BEGINNING at a point on the Southwest corner oMyer and Fourth Streets;thence southmrardly along the Western line of Fourth:Street, one hundred and fifreen(115)feet to a point in the Northern tine of a twelve(12)foot alley;thence westwardly along the Northern line of said twelve(12)foot alley,eighty-four($4)feet,more or less,to a point;thence northwardly,aemss Lot No.72,Section"C"on the , hereinafter mentioned Plan of Lots,one hundred(100) feet, more or less, to a point on the Southern line of Boyer Street; thence j eastwardly,along the southern line of Boyer Street,seventy-five(75)feet to a point;the place of BEGINNING. f BEING the eastern part of Lot No.72,Section"C",on the Revised Plan of Sununcrdalc,Pennsylvania,as recorded in the office of the Recordei of Deeds in and for Cumberland County,Pennsylvania,in Plan Book 2,Page 109. S HAVING thereon erected a ranch-type dwelling house known and numbered as 405 Fourth Street and a bungalow-type dwelling known t and numbered as 407 Fourth Street,Summerdale,Pennsylvania. t } { p f t i f F t l 3 l 1 f i • t i t i z I Certify this to be recorded In Cumberland County PA 1� b` 22 t Recorder of Deeds E OKI 749PGG4593 I 6G 91 LANDEX Document➢ata Page 1 of 1 Instrument#: 200207672 Book: 684 Recorded Date: FE$22,2002 Page: 4631 12:00:00 AM. Total Pages: I Instrument Type: ASSIGNMENT OF Parcel Numbers: MORTGAGE County: CUMBERLAND Municipality: NO MUNICIPALITY Recording Status: VERIFIED Notes: REF:$1749/4677 MORTGAGOR MORTGAGEE BROADVIEW MORTGAGE CO PRINCIPAL RESIDENTIAL MTG INC STAMBAUGH,RICHARD 13 JR STAMBAUGH,RICHARD B SR • .. •♦ + • / + . H / •R\ .ft 1 T\ 1. • 11T .7T f'+T�1 L nR/+11111A• ROBE�i P. Z7iEGLI:R RECOlrDE , OF DEEDS SBMBER#AND EOLlItTY-PA Recording Requested By/Return To: 10170 SSIGNMENT OF MCOVdM� �� 1K For Value Received,the Undersigned holder of a Mortgage(herein RAssignora')whose address is 95 E. Wilson Bridge Road Worthington, OR 43085 , does hereby grant,sell, assign, transfer and convey, UritoPrincipai Residential Mortgage, -Inc. organized and existing underft laws Of the State of Iowa a corporation {herein"Assignee), whose addressis 731 Righ Street Des Moines, 1A 50392-0720 a certain Mortgage stated February 15, 2002 , made and executed by Richard B. Stambaugh, Jr., A Single Man Richard B. Stambaugh, Sr., A harried Man i w ose address iS 405-407 Fourth Street Su merdale, PA 17093 1 to and in favor of Broadview lHorttgage Company ' of one Hundred Thirty one Thousand Eight Hundred and no/100. and given to secure payment { 131,800.04 )maturing Marcb 01, 2032 (include i€�a Urigrna!Prittcipelrrrcaunr and Matu�!)Ta f Nofa(s}} s which Mortgage is of resorb in Book,Volume,or Liber No. i No, =at Page of the or Co to ) Records OfCumberlazid { as { C.OErrlt3/, state of PI�I described and the money due and to become due thereon with In eether irestthe and alll rights aC=and ed or to accnre ons thereirt under such Mortgage, { TO HAVE AND TO HOLD the same unto Assignee, its successor=and assigns,forever,subject only to the terms and conditions of the above-described Mortgage. IN WITNESS WHEREOF,the undersigned Assignor has executed this Assignment of Mortgage on /Tax 15, zoo E 1. Witness Diane Anthony Zpllgrnma��Pjrej Wdness Deborah J, Chaffl-n Rose ery Howard_Vice President STATE OF OHIO COUNTY OF FRANYLIN i 1,DEBORAH J.CHAFFIN,a Notary PUbfrc in and for said ecunty in the state aforesaid,herab i Howard,personally known to me to be the bice President of Broadview Mo a s Company,a certify��Rosemary, � and existing under ft laws of the State of Ohio,and personalty known to me to be tate siperson whose nameration s subscribed to the foregoing instrument,appeared before me tfiiss day in person'and did acknowledge that as such vice [ voluntary act andnde�of said d corporation,fore said a uses and purpot as vice ses therein set of t{ ratan,as her free and I 1N VVITNESS T,�iE1 OF, I have hereunto signed my name and afftted my official seal this 15th day of February ! 2002 Yl,AV L SF E,., CRA N � z . : Notary P�mq,S' re of Offs 3 Seal: _0, o My Commission as�22.20 4 D Ot AH J.C _ . HAFFIN-hIC?T Y Pia Lf C .�_ $ 684 w4631 This instrvme �� °F od Broadview Mortg� - P� by Company,85 E.Wilson Bridge Rd.,Worthington,OH 43085,614854-7000 1 r E Inst. 4 2014032" - page G at A s TAMMY SHEARER RECORDER OF DEEDS CUMBER ND COUNTY i �' I COURTHOUSE SQUARE- CARLISLE,PA 1101j- 717"24&-6370 7413717-244-6374 • ..3 r Instmment Number-20140324-4 Recorded On 2/1412014 At 8:39:32 AM 'Tota!Pages-4 Instrument Ty c-ASSIGN-MENOF MORTGAGE Invoice Number- 155270 User IDS-IOW Murigagor-ST 4.MAUGH,RICHAM S JR >: Mortgagee-FEDERAL NATIONAL MTG ASSOC Customer-SIMPLUME LC F RECORDING FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $25.50 JUSTICE DO NOT DETACH RECORDING FEES -- $11.50 RECORDER OF DES PARCEL CERTIFICATION X15.00 This page is now part FEES of this legal docubient. COUNTY ARCHIVES FEZ $2.00 ROD ARCHIVES FEE $3.DO TOTAL PAID I Cerfify fids to be recorded in Cumberland Count A " RECORDEROF DEEDS ¢-h&rmation derated by an asterisk may change-durhM tlse veriffcatfon process and nrAy not be reflected on osis page. ' Inst. 201403244 - Page S n£ 4 Prepared By f Return To: E.LanczMTC,2100 AIL 19 North, Pabn Harbor,FL 34683 (EM)346-9952 Citi Loanr C RTMED PROPERTY IDWrr1FICATI01q NtksBERS SetemL}a 09-11-3005-043 - EAST PI MSBOR0 F2 nti€L, C031S REOISTRY 02/14/2014 BY DC Tax Code/PINIUPI# 09-11-3005-053 ASSIGNMENT OF MORTGAGE Contact Federal Naf enol Mage Association for#his hwft-uuent do Seterns,Em, 14423 SW NE111kan Way,#200,Beaverton,OR ,telephone#1-866-570-5Z77,which is responsible for receiving payineum ICOR GOOD ANT) VALUABLE CONSUMMATION, the sufficiency of wbich is hereby acknovi ed ed, the vndersiggtied, QTI143ORTGAGI,, INC., SUCCESSOR IN IN < T BY MERGM TO PRINCIPAL RESIDT,NTFAL MORTGAGE, iNC.,WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE,O'FALLGN, MO,53368, (ASSIGNOR)t by these presents does convey, �tan#, assign, mtnsfer and set over the described Mctrteage therein together with all interest • secured thereby,all stens,and anv rights due or to become dire thereon to FEDERAL NATIONAL MORTGAGE ASSOCI-A-RON, I'MOSE XDDR119S 1S 34221 DALLAS PARKWAY,SUITE 100,DALLAS,TK 75254,ITS SUCCESSORS AND ASSIGNS,(ASSIGNEE). Said Mortg Qe dated 0015t2M, in the amount of 5131,900.00 m=ade by RICHARD B. STAMBAUGH,JR. AND RICMM B.STAMBAUGH SR,to BROADVIEW MORTGAGE COMPANY recorded on, in the Office of the Recorder of Deeds of CiJh IMAtND County, in the State of Pennsylvania,in Book. 1749,Page 4677 mid/or Document 4. Property is more commonly knou.-n as:405-407 FOURTH STREET TWP.OF EAST PENNSSORO, SUM AERDALE,PA 17093. Sere Exhibit attached for Assignments,modifications etc. Dated this 12th day of Tebruary in the year 2014 CITIMORTGAGN,WC.,SUCC3+SSOR IN INTEREST BY MERGER TO PRINCIPAL RFSI9)NNTIAI, ?MORTGAGE, INC. By: KIMBERLY SAMONTE VICE PRESIDENT All Authorized Signamrles whose signalyow appear above Dave reviewed tiais document and supporting documentation prior to signing. ��If �III� ���Ill�l�ilil��BIII��l�I l��l� ��1�� 1�1f � I1p111IIIIlII���Il� :nest. 203403244 - Page 2 a£ 4 Cii1 Loan Ne Seterus Loar, Fannie Loan STATE OF FLORIDA COUNTY OF PINELLAS The foregoing instrument was acknowledged before me on this'12th day of February in the year 20)4, by Kimberly S=onte as 'VICE PRESIDENT of C=ORTGAGE, 11\C., SUCCESSOR. IN INTEREST BY MERGER TO PRINCIPAL RESIDENTIAL MORTGAGE, INC., who; as such VICE PRESIDENT being authorized to do so, executed the foregoing instrument for the pmTases therein contained_He/shefthey is (ank) persoaally known to me. In 4_ Yv� Tonys L Tem Notary Public State of Flodl6a TCtT1YZZ iJ;RA-NOT PUBLIC My Commisifon#EES49072 COMM EXPIRES: MS 2017 EVbm FeblVary 25,2017 Assigumeat of Mortgage f€ m CITIl1.IORTCAGEINC,SUCCESSOR LN INTEREST Ry MERGER TO PRINCMkL RESIDENTIAL 'MORTGAGE, INC.,WH€DSE ADDRESS 19 1000 TECHNOLOGY DR11% O'FALLON, MO, 63368, (ASSIGNORS, to- FEDERAL NATIONAL MORTGAGE ASSOCIATION, "OSE ADDRESS IS 14221 DALLAS PARKWAY,SUITE 300,DALLAS,TX 75354, iTS SUCCFSSORS AND ASSIGNS,(ASSIGN1',1-,-) Mort or:RICHARD B.STAMBAUGH,TR.AND RICHARD B.STAMBAUGH,SR. When Recorded Return To: CitiMortpge.Inc. C/O Nationwide Title Clearing Inc.2100 Alt 19 North Palm Harbor,FL 34653 All that certain lot or piece of ground situated is Mortgage Premise:405 407 FibURTH STREET TWP.OF EAST PEN�lSBORO SUMMERDALE,PA 17093 CUMBERLAND (Borough or Township,if stated),Commonwealth axe Pennsylvania. Being more particularly described in said Mortpge. Certlfrate of Residence I,Y mtberly Samente,do certify rhat the precise addrms of the wrirhin named Assignee is: FEDERAL NATIONAL MORTGAGE ASSOCIATION, WHOSE ADDRESS IS 14221 DALLAS PARKWAY,SUITE 100,IDAIJ AS,TX 75254,ITS SUCCPSSORS AND ASSIGNS,(ASS IGN - ) XIMERLY SANIONTE VICE PRESIDENT All Authorized Signatories whose signatures appear above have Teviewed this document and supporting documentation prior m signiag. • :=Gt. 1F 201403244 - Page 3 of 4 Loan No: 'EXHIBIT A' Assignments,Modifications.Consolidations Exhibit Assignment: BROADVIEW MORTGAGE COMPANY TO PRINCIPAL RESIDENMAL MORTGAGE, INC. DATED'02-15=2002.REC:02-22-2002 BK694 PG 4631 ���Ifl�����l��� 111�1��118� 1fillf � Iff �11111��Bf�Nlf�lf�lll� l�Ilfll� EXHIBIT "_C-"° J J • NOTE February 15th, 2002 Carlisle PA • iDatel tCtcv1 1'�rwe) t 405-407 Fourth Street, Suttmterda.le, PA 17093 [P-pecfy hddr ] I, BORROWER'S PR01%II5E TQ PAY In retura for a)Iran that I have Tecoivedt I pro=lsa to pay U.S.S 131,SOD.00 (this amount is called"Principal"), plus Interest,to the order of the Lender.The Leader is Broadview Mort:gage Company I will make all payments under this Note in the forst of cash,chock or[Honey order. i understand that the Lender may transfer this Note.The Lender or anyone who takes this Note by transfor and who is entitled to receive payments under this Note is called the"Note Holdrr." 2. INTEREST interest will be charged on unpaid principal until the full amount of Principal has been paid.7 will pay imorost a4 a yearly rate of 8.000 %. The intcxest rate required by This Section 2 is the rate I will pay both before and after any default described in Section G(B) i of this Note. (A)Time and Place of Payments I will pay principal and iatcrest by making a payment every month. ' I will make my monthly paynsont on the 1St day of each momtit beginning an April 1st, 2002 1 will make these payments every mouth until I have paid all of the principal and interest and any other charges described below that I may owe under This Note. Each monthly payment eviil be applied as of its soheduled due date and will be applied to interest before Principal.If, on March 1St, 2032 1 still owe amounts under this Note,I will pay those ancounts in full on that date,which is called the"1.4aturity Date." I swill make my monthly payments at 95 E. iji lson Bridge Road, 7do3;thington, OR 43085 or at a different place if required by the Note Halder, (B) Amount of 14•fonthly Payments My monthly payment will be In the amount of U.S.5 957•lI 4. T3ORROWEWS RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due.A payment of Principal only is known as a "Prepayment." When I snake a Prepayrnent; € will tall the hate Holder in writing that l.am doing so, i may not designate a payment as a Prepayment if I have not made all the monthly payments duo under the Note. 1 may make a full Prrpaymont or partial Prepayments without paying a Prepayment charge.Ths Note Holder will use my_ Prepayments to reduce the amount of Principal that 7 owe under this Note. Howaver, the Note Holdor essay apply my prepayment to the accrued and unpaid interest on the -prcpeymeat amount, before applying my Prepuymcnt to reduce the Principal amount of the Note, If I make a partial Prepayment,there will be oo changes in the due date or in the amount of my trtouthly payment unless the Note Bolder agrees in writing to those charges, MUirMATE FIXED R&TE NOTE-Single FamllyFBnale 14aelfreddle Beat UNIFORM INSTRUMENT -5N tODD51 Form 3200 SID% @ VKP M40PTOAGE FORKS-(699I)y3I-M Paye 1 of 3 EARfaL9: I w + ' A T f ti S. LOAN CHARGES If a law,which applies to this lova and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,than: (a)any such loan charge shalt he reduced by the amount nceassary to reduce the charge to the permitted limit; and(b)any sums already collected from me which exceeded permitted limits will be refunded to me.The Note Holder may choose to masse this refund by scducins the Principal I owe under this Note or by making a.dircctpayment to me.If refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S PAI>LURE TO PAY AS REQUIRED (A)Late Charge for Overdue Payments If the}dote Holder has not received this full amount of any monthly paymoat by the and of fifteen calcttdar days .LAcr the data it is duo, 1 will pay a late charge to the Note Holder.The amount of the charge will be . 5.0D0 °!o of my overdue payment of principal and interest, I will pay ibis late abarge promptly but only once on each late payment. (B)Default Tf I do not pay the full amount of ouch munthly payment on the dutc it is due, I will be in default. (C)Notice of Default If I ant in default, the Note !solder may send trio a written notice telling trio that if I do not pay the overdue amount by a certain data, the Nota Holder may require me to pay immediately the full amount of Principal which has not been pard and all the interest that I ower on that amount. That date must be at [cast 30 days after the dutv. on which the notice is mailed to the or delivcted by other means. (D)No Waiver By Note Holder Even if, ut a time when I am in default, the Note Holder does not require me to pay imroodiatcly in full as described ubovc,the Note Holder will stili !rave the right to do so if am in default ata later time, (E) Payment of Note FIolder•s Costs and Expenses If the Note Holder has required ate to pay immediately in full as dascribed above, rho Note holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Now to the extant not prohibited by applicable taw, rhoso expenses include,for example,reasonable attorneys,fccs. 7_ GIVING OF NOTICES Unless applicable }aur requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing,it by first class mail to me at the property Address above or at it different address iF i give the Note Folder a notice of my different address. Any notice that must be given to the Not* Holdcr under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. S, OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and pt-tsonally obligated to keep all of the promises trade in this Note, including Ilia promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this mote is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor,surety or cridorser of this Note, is also obligated to keep all of the promises made in this Note.The Note Bolder mitycnforce its rights under this Now against each person individually or against all of us together. This moans that any one of us may be required to pay all of the amounts owed under this Note. 9, WAYVEPS I and any other person who has obligations under this Noll; waive the riglits of Presentaterit and ,Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Alotico of Dishonor"me4ms the right to require the Note Holder to give notice to uthcr persons that amounts dna have not been paid. Forth 320 j 1 ( ��N (DDIIS} Faye 2 of 3 tnedats: R i 141. UNIFORM SECURtb NOTE This Nott is a uniform instrument with limitcd variations in some jurisdictions. In addition to the protections gtven to the Note Holdor under this Note, a Mortgage, Deed of Trust,or Security Dead(the"Security Instrument"), dated the sante data us this Note,protects the Note Holder from possibic losses which might result it I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions l may be required to make immodiatc payment in full *fall amounts I owe under this Notc.Some,of those conditions are described as€allows: If all or any part of the Property or any Interest is the Property is sold or transferred(or if Borrower is not u natural person and a bent riciai interest in Borrower is sold or transferred)without Lcndar`s prior written consent, Leader May requiro lutm diatc payment in full of all starts secured by this Security Instrument. However,this option shall not be excrcisod by Lender if sash exercise is prohibited by Applicable Law. If'Lander exercises -this option. Leader shall give -Borrower notice of scocleration. The notice shill provide a period of not less than 30 days from the date the notice is given in accordance with Scotivri 15 within which Borrower must pay all sutras secured by this Security lnstrument- If Borrower fails to pay these sums prior to the.expiration of this period, Lendcr may invoke any mrncdics permittad by this Security Instrument without further notice or domand on Borrower. , WITNr-SS T14E HAND(S)AND SEALS)OF THE UNDERSTONED. (Seel) � (Scat) Richard B. Stambaugh, -Smrower Richard B. Stambaugh, Sr. -Borrower WMW RECOURSE,PAYTO THE ORDER OP PRIN CIPA L 1VOWQ .tap to -, .r .:, c:^!.rMit?.kG4;.�•y�•; j`' �F1q Assistant Secretary }. -Borrmver -A wer (Seat) 3 - fScal) -Sorxawer -Borrower (Sign Orlginaf Onty] -SN Ioansl 'Pape 3 of 1 Form 3200 1101 EXHIBIT -D" (Rev. 9/2008) . . Aute: June 2, 2014 8 1 p ICE TAr-v---ErACKI N T S V .F.- YOU R- - HOME FROM . FOP,-�CLOSURE RICHARD B. STAMBAUGH JR RICHARD B. STAMBAUGH SR. 405-407 FOURTH STREET 405-407 FOURTH STREET SUMMERDALE, PA 17093 SUMMERDAI,E,PA 1.7093 RICHARD B. STAM13AUGI-I JR. RICHARD B. STAMBAUGH SR. 405 FOURTH STREET 405 F4TJRTF1-S T.REET SUN MERDALE,PA 1.7093 SUMMERDALE, PA 17093 This is an offcial notice that the mortgage on your home is in default, and the tender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take:this Notice with You when you meet with the Counseling Agency: The name..address and phone number of Consumer Credit Counseling Agencies serving vour County are listed at the end of this Notids If you have any questions, ypirmay call the Perm vylvanla Houging , Finance Agency toll free-at I-800-342-2397. (Persons with impaired hearing can call (717)780-1859). This Notice contains.important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help 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. 4 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMpORTANCIA, PLIES AFECTA SU DER ECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE .ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAM0 POR EL ROGMRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAM : RICIiARD B.STAMBAUGH JR.AND RICHARD B.STAMBAUGH SR PROPERTY ADIIRESS:4fl;-407 FOURTH STREET SUMMERDALE PA 17093 LOAN ACCT ORIGINAL LENDER:BROADVIEW MORTGAGE COMPANY CURRENT LENDER/SERVICE%'FEDERAL NATIONAL MORTGAGE ASSOCIATION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FIlVANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, + IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND e IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act,you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice (plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY THREE 33 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED -HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30)days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies far the county m which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to- face meeting.Advise your lender imm_edr�at*ofyour intentions. APPLICATION FOR MORTGAGE ASSISTANCE—Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistange,,from the Homeowner's Emergency_,Mortgage Assistance Program. To do so,you;.,must fill out,sign and file a complefe—C) omeownees Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. TO temporarily stop the lender from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(3 0)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLt~ IF YOU HAVE A MEETING W Cl3IlNSELING.r4GENCY IYITHIN 33 DAYS OF THE pOSTMARIf DATE OF THIS NOTICE AND FILEANAPPLICAT WITH PHFA WITHIN 30 DAYS OF THAT MUETING, THEA, THE LENDER WILL BE TEMPORARILY PREVENTEDHA FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,ASEXPLAINED ABOVE,ET IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE"; YOU KATIE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND P APPLICATION WILL NOT PRETENrT THE LENDER THESE TIME"cum STARTING A FORECLOSURE ACTION, BOUT IF yATjR APPIXATIONIS EVENTUALLYAPPROVED AT ANY TIME BEFOREA SHERIFFS SALE, THE FORECLOSURE WILL BESTOPP,ED. AGENCY ACTION-- Available funds for emergency mortgage assistance drd very limited. Th ey will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be Pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. [::FOLLOWING TE; IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If yon have feted bankruptcy you can still apply for Emergency Mortgage Assistance.) IOW Til CURE YOUR MORTGAGE DEFAULT` ren �� u �O ate)-. NA'T`URE QF- THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at: 405-407 FOURTH STREET,SUMMERDALEI PA 17093 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and are now past due from 11/1/2011 through 6/1/2014: Monthly Payments Plus Late Charges Accrued: $30,947.52 . Property Inspections: $60.00 Tax and Insurance Payments: $10,335.04 (Suspense): ($0.00) TOTAL AMOUNT TO CURE DEFAULT $41,342.56 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION:(Do not use if not aRRlicable 1 HOW TO CURE THE DEFAULT— You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $41,342.56, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD, Pa eats must be made either b cash cashier's check certified chec overnit to: k or move order made able and sent - ._. .._ SETERUS,-k4 14523 SW MII,LIKAN WAY SUITE 200 BEAVERTON OR 97005 ATTENTION:TRANSACTInV PR©CI SSING DEPARTMENT You can cure any other default by taking the following action within THIRTY(30) DAYS of the date of this letter: (Do not use if not a0licabie.) L IF YOU DO NOT CARE THE DEFAULT-- If you do not cure the default within THIRTY(3E3)DAYS of the date this Notice, the lender intends to exercisefs ri hts ito accelerate the snort a re debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly instaIIments. If full payment of the total amount past due is n also iot made within THIRTY(30) DAYS, the lenderintends to instruct its attorneys to start legal action to foreclose upon-your mortgaged_propeM. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the tender refers your case to its attorneys,but you cure the delinquency before the lender begins legal Proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY„Heriod you will not be required to aav attarnev's fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sate at any time up to one hour before the Sheriffs Sale You may do so by payinn the total amount then oast dueplus an late or other char es then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs oonnected with the Sheriffs Sale as specified in writing by the lender and b "erforming any other muirements under them_ o� rtgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE --It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately(6)months from the date of this Notice.A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: _SETERUS,INC. 14523 SW MILLIKAN WAY SUITE 200 BEAVERTON,OR 97005 PHONE:866.570.5277 EFFECT" OF SHERIFF'S SALE --.You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE --You XX spay or — may not(CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAUL'I'$ RIGHT: ° TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ° To HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVEkl(OU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR,) • 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 LENDER. MAY HAVE TO SUCH ACTION BY THE • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. NOT ICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT I. This is an attempt to collect a debt-and any information Ob Po Ptained will be used for the purpose. . 2. Unless you dispute the validity of this debt,or any portion thereof within tl,i 3fl days after receipt of this notice,the debt will be assumed to be valid by our offices. ( ) y p 3. If you notify our offices in writing within thirty(30)days of receipt of this notice that the debt,or any Portion thereof,is disputed,.oi�r offices will provide you with verification of the debt or copy of the judgment against you,ands copy of such verification or judgment will be mailed to you by our offices. 4. If you notify our offices in writing within thirty(30)days of receipt of this notice,our offices will provide You with the name and address of the original creditor,if different from the current creditor. - HEAP C4nsu er Credit Counsel` � Aeuc�e� CUMBERLAND County ' Report last iipdated:04/23/2014 05:44 PM Advantage Credit Counseling Serviee/CCCS of Western PA 2000 Linxlestown Road Community Action COnttnission of Capital Region Harrisburg,PA 17102 1514 Derry Street 888-511-2227' Harrisburg,PA 17104 717-232-9757 Housing r�(Iianee of YoriJYIiusirig Resources 290 West Market Street. Maranatha York,PA 17401 43 Philadelphia Avenue 717-855-2752 Waynesboro,PA 17268 717-762-3.2$5 Path&6ne�Corporation 1625 North Front St I'ath$tone Corporation Harrisburg,PA 17102 456Cleveland.Ave 717-234-6616. Chambersburg,PA 17?01 717-264.4-OJ 3 PA Interfaith Community Programs Inc 40 E High Street PHFA Cdttysburg,PA 17325 211 North Front Street 7I7-334-1518 Harrisburg,PA 171 I0 717-780-3940 800-342-2397 A EXHIBIT `` " INFOCON Corporation Page 1 of 1 Cumberland County, Pennsylvania L�ort : J.14, .. Prothonotary D 201314POCONCORPOR4770W.Ail Ri;Ws R -b 8/7/2014 3:21 PM Functions Prothonotary-Inquiry-Dockets Entries ENT Case No: 2009-03437 Filed DateTme: 05/26/2009 2:24 ' DONE Case Type: FEDERAL TAX LIEN EXIT Caption: U S TREASURY DEPARTMENT(vs)STAMBAUGH RICHARD B EMAIL BACK Position to Page: of 1 Search Date:E00l00/0000 Sal Date Description i 05/26/09 FEDERAL TAX LIEN IN THE AMOUNT OF$31060.46 Image Bottom A 1T'T1TT T7_ f7l[7 A 0 7/x^7//1 A 7 A M INFOCON Corporation Page 1 of I Cwnberlanr!Couno.,, Pettnsylpunirc Prothonotary 1017 8!7/2014-3:21 PM INFOCO"'CORPORAT70,V.AV Rights Reserved Functions ENTER Prothonotary-Inquiry-Case Detail Case No: 2009-03437 DONE Filed Date: 05/26/2009 Case Type: FEDERAL TAX LIEN aR Fled Time: 2:24 7 Caption: U S TREASURY DEPARTMENT(vs)STAMBAUGH RICHARD B DOCKETS _ Reference No: - Judgment: $31,080.46 EMAIL Judge Assigned: Execution Date: 00/00/0000 ALTERNATE VIEW Disposed Desc: BACK Case Comments: Jury Trial? Disposition Date: 00/00/0000 Higher Court 1: Higher Court 2: SellLitigant NamesARTMENT Type RD a PLAINTIFF IDEFENDANT ffiudgmentdex-Litigant Names CHARD6Amounts Description ( 59t,080A6irAX LIEN _mgr nn�nninnr w Y J VERIFICATION Jeannette L,-Cao " ,employed as Foreclosure SnecialisC of Seterus, Inc., as authorized subservicer for Federal National mortgage Association ("Fannie Mae" a corporation organized and existing under the laws of the United S ), States of America. Seterus, Inc. is authorized to act on behalf of the mortgagee Federal National Mortgage Association ("Fannie Mae"), and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. AFFIANT: By: l-, -- Printed Name: 2 an Pt tL Title: Foreclosure Specialist ^w Date: 1f.2 I I q Seterus, Inc., as authorized subservicer for Federal National Mortgage Association("Fannie Mae"),a corporation organized and existing under the laws of the United States of America FILE#: 12-1015 NAME: STAMBAUGH,JR.,RICHARD B. & STAMBAUGH, SR., RICHARD B, SHERIFF'S OFFICE OF CUMBERLAND COUNTY RonnyRAnderson HLED QF1=i cW Sheriff OF HE PROTHONOTARY 2014 SEP 12 P11 3: 4 7 Richard W Stewart CUMBERLAND COUNTY Solicitor PENNSYLVANIA Jody S Smith Chief Deputy of el/101,1,4ir. OFFICE OFr,`F, S SRIF= Federal National Mortgage Assocation vs. Richard Stambaugh, Jr (et al.) Case Number 2014-4920 SHERIFF'S RETURN OF SERVICE 08/21/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: United States of America, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 08/25/2014 06:23 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Richard Stambaugh, Jr at 405-407 Fourth Street, East Pennsboro Township, Summerdale, PA . SON KINSLER, DEPUTY 08/25/2014 06:23 PM - Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Richard B Stambaugh, Sr, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Served" at 405-407 Fourth Street, East Pennsboro, Summerdale, PA 17093. Deputies were advised by Richard Stambaugh, Jr. that the defendant is deceased and that 407 Fourth Street, Summerdale is vacant. 09/02/2014 08:55 AM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Susan Melendez, who accepted for United States of America, at 228 Walnut Street, Suite 220, Federal Building, Harrisburg, PA 17108. Carl Lotwick, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $78.08 SO ANSWERS, September 08, 2014 RONNY R ANDERSON, SHERIFF (c) C ountySuite Sheriff, Teleosofi. Inc. 0c) Shelley Ruhl Real Estate Deputy Matthew L. Owens Solicitor Commonwealth of Pennsylvania County of Dauphin Dauphin County 101 Market Street Harrisburg, Pennsylvania 17101-2079 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Jack Duignan Chief Deputy Michael W. Rinehart Assistant Chief Deputy FEDERAL NATIONAL MORTGAGE ASSOCIATION ("FANNIE MAE") VS UNITED STATES OF AMERICA Sheriffs Return No. 2014-T-2370 OTHER COUNTY NO. 2014-4920 And now: SEPTEMBER 2, 2014 at 8:55:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to SUSAN MELENDEZ * 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at FEDERAL BUILDING, 228 WALNUT STREET, SUITE 220 HARRISBURG PA 17108 * SECRETARY Sworn and subscribed to before me this 3RD day of September, 2014 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Karen M. Hoffinan, Notary Public City of Harrisburg, Dauphin County My Commission Expires January 8, 2018 So Answers, Sherif o Dauphin unty, Pa. By De/ Sheriff Duty: J FRUHWIRTH Sheriffs Costs: $41.25 8/26/2014 #12-1015 POWERS, KIRN & ASSOCIATES, LLC, JILL MANUEL-COUGHLIN, ESQUIRE ID. NO. 63252 JOLANTA PEKALSKA, ESQUIRE ID. NO. 307968 HARRY B. REESE, ESQUIRE ID. NO, 310501 DANIEL C. FANASELLE, ESQUIRE ID. NO.312292 MATTHEW J. MCDONNELL, ESQUIRE ID. NO.313549 EIGHT NESHAMINY INTERPLEX SUITE 215 TREVOSE, PA 19053 (215) 942-2090 ATTORNEY FOR PLAINTIFF i'!LED- OF(' 1 HE PRO THOND TAR 2014 SEP 17 PH 2: 12 CUMBERLAND COUNTY PENNSYLVANIA Federal National Mortgage Association ("FANNIE MAE") Plaintiff VS. Richard B. Stambaugh, JR. Richard B. Stambaugh, SR. United States of America Defendant(s) Court Of Common Pleas Civil Division Cumberland County No. 14-4920 SUGGESTION OF DEATH REGARDING DEFENDANT RICHARD B. STAMBAUGH, SR. TO THE PROTHONOTARY: Kindly dismiss Richard B. Stambaugh, SR. as Defendant in the instant action by virtue of his death on June 15, 2008. Defendant Richard B. Stambaugh SR. owns the property at 405-407 Fourth Street, Summerdale, PA, 17093. Date: Powers, Kirn & Associates, LLC. EJill Manuel -Coughlin, Esquire Id. No. 63252 EIJolanta Pekalska, Esquire Id. No. 307968 OHarry B. Reese, Esquire Id. No. 310501 oDaniel C. Fanaselle, Esquire Id. No.312292 atthew J. McDonnell, Esquire Id, No.313549 Attorneys for Plaintiff