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Home My WebLink About14-5662 Supreme Courtof-Pennsylvania COUrt;;Of�Common.PIeas For Prothonotary Use Only: 0*41'Cover Sheet Docket No: CUMBERLAND Countyjq < The information collected on this.form is used solelr,for court administration purposes. This form does not supplement or replace the f ling and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S El Complaint C3 Writ of Summons Q Petition 0 Transfer from Another Jurisdiction ❑ Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Name: T CHRISTIANA TRUST,A DIVISION OF WILMINGTON S6 EDWARD S. HATCHER Dollar Amount Requested: within arbitration limits I Are money damages requested? Yes No O (check one) Doutside arbitration limits N Is this a Class Action Suit? D Yes M No Is this an MDJAppeal? D Yes El No A Name of Plaintiff/Appellant's Attorney: POWERS, KIRN &ASSOCIATES, LLC El Check here if you have no attorney(are a Self-Represented jPro Sei 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 El Intentional Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment 0 Motor Vehicle Q Debt Collection:Other 0 Board of Elections E] Nuisance 0 Dept.of Transportation Premises Liability El Statutory Appeal:Other S C Product Liability (does not include E mass tort) E] Employment Dispute: ElSlander/Libel/Defamation Discrimination C [I Other: Q Employment Dispute: Other E3 Zoning Board T 0 Other: I I❑- Other: O MASS TORT E] Asbestos N Tobacco Toxic Tort-DES Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS Q Toxic Waste Other: ❑-' Ejectment Q Common Law/Statutory Arbitration B Q Eminent Domain/Condemnation E] Declaratory Judgment 0 Ground Rent E] Mandamus Q Landlord/Tenant Dispute F1 Non-Domestic Relations Q Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITYQuo Warranto Q Mortgage Foreclosure:Commercial El Dental El Partition Replevin E] Legal E] Quiet Title 0 Other: Medical Other: Other Professional: Updated 1/1/2011 POWERS KI.RN&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 C ►��n- EIGHT NESHAMINY INTERPLEX SUITE 215 L Vr.� TREVOSE, PA 19053 (215)942-2090 ATTORNEYS FOR PLAINTIFF CHRISTIANA TRUST, A DIVISION OF COURT OF COMMON PLEAS WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE CIVIL DIVISION LOAN TRUST, SERIES 2013-1 440 SOUTH LASALLE STREET CUMBERLAND COUNTY CHICAGO, IL 60605 PLAINTIFF No. VS. COMPLAINT IN EDWARD S. HATCHER MORTGAGE FORECLOSURE 6 SOUTH ST. JOHNS ROAD CAMP HILL, PA 17011 DEFENDANT 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 717-249-3166 ` J 800-990-9108 -►�- ?-?16t 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. #13-1135 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 ATTORNEYS FOR PLAINTIFF CHRISTIANA TRUST,A DIVISION OF COURT OF COMMON PLEAS WILMINGTON SAVINGS FUND SOCIETY, FSB,AS TRUSTEE FOR GFT MORTGAGE CIVIL DIVISION LOAN TRUST, SERIES 2013-1 440 SOUTH LASALLE STREET CUMBERLAND COUNTY CHICAGO, IL 60605 PLAINTIFF No. VS. COMPLAINT IN EDWARD S. HATCHER MORTGAGE FORECLOSURE 6 SOUTH ST. JOHNS ROAD CAMP HILL, PA 17011 DEFENDANT CIVIL ACTION MORTGAGE FORECLOSURE 1. Christiana Trust, A Division Of Wilmington Savings Fund Society, FSB, As Trustee For GFT Mortgage Loan Trust, Series 20134(hereinafter the "Plaintiff') is an institution conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption above. 2. Edward S. Hatcher, (hereinafter the'Defendant") is an adult individual residing at the address indicated in the caption above. 3. Edward S. Hatcher is the record owner of the mortgaged property located at 6 South St. Johns Road, Camp Hill, PA 17011, (hereinafter the "Property"). A copy of the Legal Description attached hereto as Exhibit "A" and made a part hereof. 4. On February 23, 2007, Edward S. Hatcher executed a Note in the original principal amount of $87,550.00 payable to Capital One Home Loans, LLC in monthly installments with interest thereon at the rate of 8.9990% as provided in the Note(hereinafter the "Note"). A copy of the Note is attached hereto as Exhibit"B" and made a part hereof. 5. To secure the aforesaid Note, Edward S.Hatcher mortgaged to Mortgage Electronic Registration Systems, Inc.,As Nominee for Capital One Home Loans,LLC the Property which is the subject of this action (hereinafter referred to as "Mortgage"). The Mortgage dated February 23, 2007, was recorded on March 23, 2007 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Book 1986, Page 757 in the original amount of$87,550.00. A copy of the Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. Plaintiff, directly or through an agent,has possession of the promissory note. The promissory note has been duly endorsed. Plaintiff is the assignee of the security interest for the referenced loan. 7. Plaintiff is the mortgagee of record by virtue of the following mergers and/or assignments: Mortgage Electronic Registration Systems, Inc., As Nominee for Capital One Home Loans,LLC assigned the mortgage to Citimortgage, Inc. by assignment recorded on March 2, 2012 in the Office of the Recorder of Deeds in Cumberland County in Insstrument Number 201206388. Citirnortgage, Inc. assigned the mortgage to Christiana Trust,A Division of Wilmington Savings Fund Society, FSB, As Trustee For GFT Mortgage Loan Trust, Series 2013-1 by assignment recorded on January 31, 2014 in the Office of the Recorder of Deeds in Cumberland County in Instrument Number 201402373. A copy of the assignments of mortgage are attached hereto as Exhibits "D" and made a part hereof. 8. The Mortgage is now in default due to the failure of Defendant to make payments as they become due and owing. The date of Defendant's default is March 1, 2013. 9. As a result of the default,the following amounts are due: Principal Balance $81,409.02 Interest to 08/29/2014 $5,305.85 Escrow Advance $2,250.74 Accumulated Late Charges $224.50 Recoverable Balance $1,291.25 Cost of Suit/Title Search $550.00 Attorney's Fees $1,300.00 TOTAL $92,331.36 plus interest from 8/30/2014 at$9.24 per day, costs of suit and attorney's fees. 10. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchase at Sheriffs sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 11. Notice of Intention to Foreclose as set forth in Act 6 of 1974,Notice of Homeowner's Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, as amended in 2008, and Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant on May 6, 2013. A copy of the Notice is attached and made a part hereof as Exhibit"E" and made a part hereof. 12. This is an in rem action only against the aforesaid Property. Plaintiff is not seeking a judgment of personal liability against the Defendant, but reserves its right to do so in a separate legal action if such right exists. WHEREFORE, Plaintiff requests the Court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiffs favor and against the Defendant, in the sum of$92,331.36 together with the interest from 8/30/2014 at$9.24 per day, costs of suit and attorney's fees. POWERS IRN SSOCIATES, LLC By: ❑ J Manue -Coughlin squire Id. No. 63252 ❑ Jolanta Pekalska,E uire Id.No. 307968 Harry B. Reese, Esquire Id. No. 310501 ❑ Daniel C. Fanaselle,Esquire Id.No. 312292 ❑ Matthew J.McDonnell,Esquire Id. No. 313549 Attorneys for Plaintiff Dated: SeptemberZ 2014 __._. .._.._....._. - __......._._::1_...:.._._............... .......--.......... ...._........_.- ---_._...._..- ' I I FX ITA THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN TH£TOWNSHIP OF LOWER ALLEN,COUNTY OF ' CUMBERLAND,AND COMMONWEALTH OF PENNSYLVANIA,TO WIT: � ALL THAT CERTAIN PIECE OR PARCEL OF LAND,SrMA3-E IN LOWER ALLEN TOWNSHIP,CUMBERLAND i COUNTY,PENNSYLVANIA,BOUNDEDANTD DESCRIBED,1<CCORDING TO A SURVEY;MADE BY GERRIT J.BM REGISTERED SURVEYOR,DATED FEBRUARY 14,1974,AS FOLLOWS,TO WIT. f BEGINNINO AT A HUB ON THE WESTERLY SIDE OF ST.JOHN'S CHURCH ROAD AT THE CORNER OFLAND NOW OR FORMERLY OF RALPH W.SEIFERT,SAID POINT BEING MEASURED ALONG THE SAID SIDE OF ST.JOHN`S C CHURCH ROAD,130 FEET SOUTH OF THE SOUTTIWESTERLY CORNER OF OLD GEJTYSBVRG PIKE AND ST.JOHN'S CHURCH ROAD;THENCE EXTENDING FROM SAID POINT OF 13EGWNING AND ALONG THE SAID SIDE OF ST. JOHN'S CHUR CII ROAD,SOUT1;35 DEGREES 03 MINUTES EAST THE DISTANCE OF 56.0 FEET TO A HUB AT THE CORNER OF LANDS NOW OR FORMERLY OF HARRY A.ELLINGER;THENCE ALONG LANDS NOW OR FORMERLY OF HARRY A.ELLINGER,SOUTH S4 DEGREFS 57 MINUTES WF-TT THE DISTANCE OF 120.0 FEET TO A HUB AT THE CORNER OF LANDS NOW OR FORMERLY OF EDGAR H.ANDERSON;T14ENC£ALONG LANDS NOW OR FORMERLY OF EDGAR H.ANDERSON,NORTH 35 DEOREE•S 03 MINUTES WEST THE DISTANCE OF 33.45 FEET TO A HUB; I THENCE ALONG THE SAME,NORTH I1 DEGREES 54 MINUTES BAST THE DISTANCE OF 47.77 FEET TO A F01NT AT THE CORNER OF LANDS NOW OR FORMERLY Or.RALPH I,.W.SEIFERT;THENCE ALONG LANDS NOW OR j FORMERLY OF RALPH L.W.SEIFERT,NORTH 54 DEGREES 57 M1N11TCLS EAST THE IIiSYANCE OF 95,0 FOOT TO A POINT,THE PLACE OF SL.GiNN1NG. i I BEING PART OF LOT NO.112 ON THE PLAN OF KOEWAYDIA.RECORDED IN PLAN BOOK 4.PAGES 41 AND 42. i TAX 10#:13-24-0794-057 BY FEE SIMPLE DEED FROM LORETTA 1.UNDERKOFFLER-SINGLE WOMAN AS SET FORTH IN DEED HOOK 102. 1 PAGE 1040 AND RECORDED ON 3/2211994.CUMBERLAND COUNTY RECORDS. r THE SOURCE I)EED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPER'T'Y.TI IERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFEPENCED SOURCE. j I I r . 1 � j 1 U37509262•-06017 ISORTGRGE � Lowt 2887863781 US Recordin8e i E i Certify this to be recorded. , Tn Cumberland County PA f geCorder of Deeds • i 9K 1986P&0773 x t i I i f s i i I :I i i i i L i f 1 i 1 j I t 1 f ! L F I i j a r, l i I ' f i i i x l s f LOAN NO. NOTE t. February 23, 2007 Overland Park Kansas Ihx] Icily] Iswel i j 6 South St. Tulin Road ,Cat-p Hill—,PA 17011 rNvpe+ty Addresfl i i 1.BORROWER'S PROMISE TO PAY ? In return for a loan that I have received,I promise to pay U.S. S 87,550.00 I (Ibis a natnt Is called 'Prtndpal"),plus interest,to the order of the l,c-tder.The Lender Is Capital one lirme F,oars, 11C i i I will make all payments under this Note In the form of cask,check or money order. I understand that the Lender may j transfer Ibis Note.The Lender or anyone who takes this Note b;transfer and who is entitled to receive payments under this Note Is called the"Note Holder.' 2 INTEREST Interest will be charged on unpaid principal until the fall amount of Principal has been paid.I will pay Interest at a yearly rate of 8.9990 %. The Interest rate requited by this Section 2 Is the rate I will pay both before and after any default described in Section 6(13)of this Note. 3.PAYMENTS (A)Time and Place of Payments I I will pay prindpal and interest by matting payments every month. - 3 1 will make my monthly payments on the Ist day of each month begb ir!vg an April I, 2007 .3 i will make these payments every month until I have paid all of the principal and inter ut and any other charges described he]aw t that 1 may owe under ibis Note.Each monthly payment will be applied as of Its scheduled due date and will be appl�ied to to interest before Prbadpal. If.on March 1, 2037 I still owe amounts under this Note,I will pay those amounts in fall on that date,which Is called the"Maturity Date." Iwfll make my montidy payments at P.O. BOX 403589, Atlanta, CA 30384-3589 = t or at a different place If required by the Note Holder. (D)Amount of Monthly Payments i My monthly payment will be in the amount of U.S.S 704.38 4 BORROWER'S RIGHT TO PREPAY l I have the right to make payments of Princio at any time before they are due.A payment of Ptindpal only Is]mown as a i "Prepayment."When I snake a Prepayment.I will tell the Note Holder in writing that I am doing so. I rffiy not designate a i payment as a Prepayment if I have not made all the monthly payments dueumder the Note. If I make a full Prepayment or partlat Prepayments.I may be required to pay a Prepayment penalty as described in the i Schedule"A'attarhmeol to this Nota The Note Holder will use all of my Prepayments to reduce the ammmt ol'Principal that 1 owe under this Note.However,the Note Holder may apply my Prepayment to the seemed and unpaid interest on the i Prepayment amount,before applying my Prepayment to reduce the Principal amount of the Note. if I make a partial i Prepayment,there will be to changes in the due date of in the ammmt of my monthly payment unless the Note Holder agrees in writing to those changes. I I i i I MULIi4rATEFJXM RATE NCT&-tNOLE FAMILY—PT MANHUX UNIFORM 26"RUN EW t ll•// Fero Sion VW PAGE c Or a l,m,i�%� I l f i s j ! i r t • I i 1 5 i l i I I { i I ` Aft F 5 LOANCHARO.Es If a Law,which appUes to this loan and which sets madmtun 1a-an charges,is finally interpreted so that the interest or other loan charges collected or to be collected is rAnnedian w th th s Iaan exceed the perm tted limits,tSen:Q)any such Loan charge Shall be reduced by the amount recessary to redcce the cage to the permitted limit;and(U)any sums aheady collected from mz which excetded permitted limits will be reF�nded to me. Tho Note Halder may chocsa m matte lids nafund by reduc ng the t principal I owe under tires Nete or by mzlvng a dlcect payment(a me. If z rrfimd reduces principal.the reduction will he ueateo az a partial prepayment. 6.BORROWER'S FAILURE TO P.4YAS REQUII2ED (A)Late Charge for Overdue Payments If the Note Halder has not received the full amount of any monthly payment by the end of 15 calendar days after I the date it Is due,7 will pay a late charge to the Note Holder. The amount of the charge will be 5.0000%of my overdue payment of principal and hnerest. I will pay this late charge p umptly but only once r,t each late payment. (B)IJufault If I do not pay the full amount of each monthly paymeet on the date it is dee,I will hr.in default. (C)Notico of I7cfatlt If I am in default,the Nate Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the fullamount of principal whicb has nut been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. j I A No waiver By Note Holder Even if,at it time when I am in default,the Note Holder does not require me to pay Immediately in full as described r ' above,the Note Holier will still have the right to do so if f am in default at a later time. (E)payment of Note Hoider's Costs and Expeums If the Note Holder has regtdred me to pity fmmediatety In full as described above,the Note Holder will have the right in be paid back by me for all of its costs and expenses in enforcing this Note to the ardent not prohibited by applicable law.Those expenses include,for example,reasonahle attorneys'Rtes. 7.GIVING OF NOLTICES } 1 i Unless applicable taw requires a different method,any notice that must be given to me under this Note will be given by S delivering it or by mathsgg It by rust class mail to me at the Property Address above or at a different address if I give the Note i. Holder a notice of my 21 re nt address. Any notice that mast be given to the Note Holder under this Note will be given by mailing it by Fust class mail to the Nate Holder at the address stated in Section 3(A)above or at a different address if I am giv y a nonce o by r gt hem tddresth 8,OBLIfiATIONS OF PERSONS UMEx THIS NOTE If more than one Pelson signs this Note.each person Is fully and personally obligated to keep all of the promisor made in i this Note,including the promise to pay the fall atnomtt owed.Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things.Any person who takes over these obligations,including the meat Obligations to o sero this stun or endorser of this Note is also obligated m keep all of the promises made in this ty Note.The Note Holder may aatorce its rights under this Note against earls person individually or against an of ms together.This means that any one of us may be required to pay an of the amounts owed tender this Note. 9.WAIVERS I and any other Berson who has oblfg28ans tinder ibis Note waive the rights of presentment and notice of dishonor. t "I'reseatmem'means the right to ue the Note Holder to dem and payment of amrants due.'Notice of dishonor'means the right to require the Note Hailer to g ve notice to other persons that amounts due have not heen paid, ' MGLTISfATEFTM t KMNOYE-42MASFAMn.Y—FHj WFMMC MWOAM DMRtpMgy gp�t t PFGfierr i t i 1 i I t I f i 1 I t r i { I I i I I t I i I to. vvrFoxat sECLRED NOTE This Rote is a uniform Instrument with limited va.-lattoes In some jurisdictions-In addition to the protections ! pro given!o the . Note Holder ender this Note,a 4lvrtgage,Deed of Trost,or Secruicy Deed('.he'Searify Irstrument'j,dated the same date as I i this Note,protects the Nate Holder from possible losses which might result if I do nut keep the promises which I make in this Nate.That Security Instrument describes how and unr cr what conditions I may be requited to sake Immediate payment in hill of all amounts I owe ander this Note.Some of those conditions are described as roiiows! If all or any part or the Property or any Interest in the property Is sold or trarisrermil(or if Borrower is i not a natural person and a beneficial Interest in Borrower is sold or transferred)without tender's prior written conser Lender may r u:rc Immediate i Y eq• paymcul lu fn12 of au suras secured by this Serosity Instrument. I I However,this oplion shall not be exerdsed by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Leader shall give Borrower notice of acceleration.The notice shalt provide a period of rot less than 30 days from the date the notice is given is accordance w th Section 15 tvitbin which Bnrrnwer must pay all sums seemed by this Security Instrument.If Botrdwer fails to pay these ` sumsrior to the expiration cf this F p period. Lender may invoke any remed.es permitted 6y this Secaify ; "Amment witboat further notice or demand on Borrower. i i WITNESS THE HAND(S)AND SEALS)OF THE UNDERSIGNED. Mward S. HaCFher µ (Seal} j - -Borsnwer � l • I (Seal) •Bwmwer 'BYR04H t i (Seal) ( f? .Hamwer -BonvwQ r 3 a F t 1 f t ' ! 1 -13ottmrM - (Ear we f t i ty,.Sn Origirml Only] ! � I I I � VMP E-SM 0 otloa nw a er a FMn 3"0 Val i ' l i l f l i r I I l I I i 1 i ; i 1 i t: ( f I i.. t ( SCHEDULE"A" PREPAYMENT PENALTY NOTE RIDER i THIS PREPAYMENT PENALTY NOTE RIDER ("Rider') is made tWs 23:-3 day of Feb= Y , 2C07 and is incorporated into and shall be. deemed to amend and supplement a Note in the amount of$ 87,550.00 dated an even date herewith,executed by the undersigned("Borrower")to("bender")secured by a Mortgage,Deed of Trust or Deed to Secure Debt("Security Instrument")dated an even date herewith. i In'addition to the agreements and provisions made in said Note,both Borrower and bender further agree as follows: Aff provisions of said Note,or other such Instruments executed in connection with said indebtedness i which are inconsistent with the provisions of this Rider, including, but not limited to, monthly payments of principal and interest,maturity date and notice to the Borrower are hereby amended or negated to the extent necessary to conform such instruments to the provisions of this Rider. The final Note payment shall be due and payable on March 2 2037 The followingnotice is regulatios �9eQ to the Borrower as part of this loan contract pursuant to Federal PROVISIONS FOR PREPAYMENT PENALTY; Consecutive monthly primps and interest installments of$ 704.38 first doe on the 1st da of 2007. Such paymernts to continue until maturity when the remaining principal balance and any unyaid interest thereon shall be due and payable. In the event full prepayment is made within three(3)years of the date of the fust monthlypayment a prepayment penally in the amount ofstx(0)months interest on the remaining principal balance will be assessed on loans with an orlpinal Rote amount equal to or ter than$50.000. No penalty assessed on loans with original note amount less than$50,000. j IN WIT7�i REOF.Borrower has executed this Prepayment P4aally Note Rider. i c Edwardr t i i > I i ( ' t t I , i x i i P - L. P'. I I ALLONGE TO NOTE I i I i. I FOR VALUABLE CONSIDERATION, the undersigned hereby endorses to: Pay to the order of i I CitlMortgaga,Inc without recourse I all of his/her rghts, title and interest in and to the attached Note crated February 23, 2007 in the amount of S 87,550.00 The BorTower(s)in said Note are: Edward S. Hatcher r Said Note is secured by a Mortgage/Dead of Trust of the same date on real property located at: 6 South St. Johns Road Camp Hill.PA 17011 Signed without recourse by i { { Capital One[-Tome Loans,LLC { � I - � N41�osingManager I i I i 1 i i i I { I 1 I I i I I i I � t I t . i ....._.__..........._........__....._:.. i.._..._........_.._. ...................... LU � r s 1 POSERT P.ZIBLER i ! %[•,".MEP, OF 3EEDS j i 1607 M99 23 AM 1138 i , I t PmparEd By: Joy Cooper i 12800 Foster Street over and Park, XS 66213 (913) 491-7700 • ''�=�zC�L2>2 � i i Recording Requested by& When Recorded Return To: i US Racordirg9,Inc. ' t PO Box 19989 Louls*a,KY 40259 Parcel Number. 1324079957 " 1 ?remises: 5 South St, Johns Brad i CMTP tii_11 [Spxw Abm Tbix Mac Par Rtror&&1Xta1 MORTGAGE DEFINI'f70NS Words used in multiple sections of ibis document are defined below and other words are dertnea in I Sections 3,11,13.Ig,20 and 21.Certain rules regarding the usage of words used In this document am s also provided to Section 18. (A)'Sacarity Instrumeni"means tMs document,which it dated February 23, 2007 together with a8 Riders to this document- (8)'Porrowcrl ocument_(8)'9orrowar"is Edward S. Hatcher, AN MOOR=MAN j 3 } I i I Borrower 4 She mor•Igagor under tuts Seatrily lastrument. i (C)•MFRS•is Mortgage Electronic Registration Systems,Inc.MRS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns.MRS Is ike mortgsSm i wader this Socurity Ia.9troment.MERS is organized and existing under the laws of Delaware,and has an I ad" --'--)hone member of P.O.Box 20r ror".mT 42501.2028,tei.(888)vo-MERS. i 2' 0 PENNSYLVANIA•SknIe Famlty-Faaafa MaWrfo dle Mac um--..INSrRUMWV WrrH MERS IA.BA[PA)puael Fana3033 Vol P9al of AC xworm maim YNPliwlaaaa StTWb"S IaL(e00)571•7291 ' t i i i j i I j I t i i 1 1 I I j i Ax 1 gB6PG0757 E - I � i i i t i 1 , �• t s 1 i i 1 [ i (D)'Lendrr"is Capital One-Hare Loans, 11C Lender is a organized and existing under the iaovs of t]ie United States of Arreriaa Lender's address is 12800 Foster Street, Overland Park, IS 66213 • ' i (E)'Nate'means the promissory note signed by Borrower and dated Etbruaxy 23, 2007 1?e!Joie states that Borrower owes LenderEi.ghty Seven Thousand Five Hundred Fifty and ro/100 Dollars i (U.S.S87,550.00 )plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than ;9atch 1, 2037 (F)".Proprxty'means the propery that is described below untie[the heading"Transfer of(this in(he Property." j (G)"Loan'means the debt evidenced by the Note,plus interest,any prepayment charges and tate charges due under the Note,and all stuns due under this Szcurlty Instrument,plus interest. (ii)'Riders"means all Riders to this Security Instrument that are executed by Borrower.The following Riders are to be executed by Borrower)ebeck box as applkablel. Adjustable Rate Rider Condominium Rider C1 Second Home Aider Balloon Rider Planned Unit Development Rider 01-4 Family Rider 0 VA Rider 0 Biweekly Payment Rider ❑Olbes(s)(specify( i i (I) 'Applicable Law" means all controlling apptleable federal, state and local statutes, regulations, i ordinances and administrative,rules and orders(that have the effect of law)as well as all applicable final, t non-appealablejudiciai opinions. (I)'Community Association Due4 Foes,and Assessments'meaus all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominlum assaciation, homeowners association or similar organization. i (K)"Electronic,Fonds Transfer"means any transfer of funds,/t8er than a transaction originated Ity ; check,drall,or s ullar paper insirument,which is Initiated throvgfi an e)eetronie termloal,teiephonte Instrument.computer,or magnetic tape so as to order,instant(,or%otharize a fimndal Institution,to debit ; or credit an account.Sucb term Includes.but is not!tooted to,poirt-ofsale transfers,awmasted teller machine transactions, transfers initiated by telephone, wire transfers. and automated clearinghouse transfers. (L)'Escrow Items'means those keds that are described In Section 3. I (M)'Witcellaneous ProoW s"means any compensation,settlement,award of damages,or Proceeds paid i by any it"party(other than insurance proceeds paid under the coverages described in Sectioo i)for.(t) i damage to,or destruction of,the property:(U)condemnation or other taking of aB or nay part of the j Property•(ill)conveyance in Ueo of condemnation:or(tv)misrepreseutailont of,or omissions as to,the f value and/or condition of the Property. 1 i (N)Loan,liege Iasvrance means Insurance protecting Lender against the nonpayment of,or default on, i I (0)"Periodic payment"means the repubudy sclteduled amount doe for 0)principal and interest under the ! Note.plus(ii)any amounts ander Section 3 of ibis Security instrument. i i /�-u 0 i r (R-GA(PA)tome) Noe r a to Fetor 3039 1101 i �b I I i 1 1 1 I i 1 , t i i [ ) t I 8K f 986PGO758 [ fi • i 1 1 i i i f i P)"RPSPA"rterdts We Real Estate Settlement Procedures Act(72 U.5.C.Section 2601 ei seq.)and Its mplemeni[ng regula:iou,Regalzlle0 X(24 C.F.R. Pari 3500),a1 they m1gM be amended from lime to time,or any additional or successor]egislaUon cur regulation than governs the same schlep matter.As vstxl to this Seartty lnsuvmenl"RESPA'refers to a0 regoirereents and restrlctiaas that are imposed!n regard `. j to a"federallyy related mar{gage Ioan"even if the Loan dace act qualify az a"federally rtatei mortgage loan"under R$SPA. t t I(Q)"S000mox la Interest of Borrows'means-any party that has taken We to the Property,whether or 1 not that party has assumed Borrower's obligations under the Note and/or this Security lostrumeni, i j TRANSFER OF RIGHTS IN THE PROPERTY This.Security instrument secures to Lender.(1)the repaymeoi ortte Loan,and all renewals,ee.enslrnu and modinratlaw of 1he Ncle;and(0) tat oerfermsnce of Borrower';covenants and agreements under this i y Security Instrument and tae bole.For this papase.Borrower does hereby mangage,grant and convey to MIMS(solely as nominee for Lender and Ler:der"s successors and assigns)and to the successors and assigns of MFRS.the following described property located In the Colony frypeafRem+dtriSjvtstt dmI 1 or C UMBERLM'G IMveorRemsdiry lu 7dlydonic See Attached I , ' JJ1 i I ( ' which currently bas the address of 6 South St. Johns Road Isom) Camp Hill lctryl,PennOmtla 17011 (Ilpcedel t ('Property Address'): F TOGETHER WITH all the bsrprovemeots now or hereafter erected on the properly and in s easements,a ,and fkcorres now or hereafter a part of the praaert�r. All replacements and i additions shall cu=be covered by tfds Security lostrument.All of the Foreggo�ingg is referred to In rtds j Securi Instrument as the'Property,"Borrower understands and agetes that lyf ERS holds only legal title ; to the interests granted by Borrower In this Security lnstrumeot,but,if ae:assmy to comply with law or E custom,MGRS as nominee for Lender and Lender's necessora and asstgosj Las the dp�t:to exercise any or all of those blares Including,but not Ilmlted to,the right to foreclose and sell 16e Property,and to t take any action required of Lender including,but rat limited to,releasing and canceling ibis§earlty 1 Instalment. 0 ► i' t-CA(PAl tool) Poe.a.r+s Fenn 3039 1101 I 1 I I i i 1 `I 1 ' S t . i f , i I , 1 Alt i QRcorn,7Co I 1 • I i i f l 1 � ! I 1 I I t t BORROWER COVENA,M(bat Borrower is Jawfolly seised of the estate hereby conveyed and has the right to mortgage•grant and convey the Property and that the Property is unencumbered,except for enrembrarces if record.Borrower war anls and will defend generally the tide to the Property against all L claims and demands,subject to any encumbrances of record. I THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform 1 covenants wilh limited variations by jurisdiction to ro»Wtute a arutorm security instrument covering real I property. ! 1 UNIFORM COVFNAINM.Borrower and Lender cove=and agree as follows: i I. Payment of Principal, Interest, Escrow Items, Prep0ysaht Cba:gcs, and Late Charges. Borrower shall pay when due the prindpal of,and trueren on,the debt evidenced by the Note and any 1 prepaynnert charges art.la:e&,arges due ander the Note.Borrower shall alsc pay funds for E Crow items ! pursuant to Section 3.Paymeils due under the Note and this Security l istntment shall be made in U.S. j currency,However,if any check or other Instrument received by Lender as payment under the Mole or this Secarity Instrument is returned to Lendtr unpaid,Lender may require that any or all subsequent payments due under the Note and this Security instrument be made in one or more of the following forms,as ; selected by Lender. (a) test; (b)money order, (c) cert fled check, LzaY c ecK, treasurer's check or cashier s cbeck,provided any such chert'is drawn upon an Institution whose deposits are insured by a federal agency,Instrumentality,or entity:or(dl Electmnle Funds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender In accordance with the notice provisions in Section 15. Leader may return any payment or partial payment if the payment or partial payments are Insufficient to bring the Loan current.Lender may accept any payment or pardat payment insufBdent to bring the Loan nnrem,without waterer of any rights hereunder or prcjudlee to Its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are I accepted.If each Periodic Payment Is applied as of Its mheduled doe date. Uten Lender need not pay Interest on unapplied funds.Leader may hold such unapplied funds until Burrower makes payment to bring ; ! 1 the Loan current.If Borrower does not do so within a rtasorrible pei od of time.Lender shall either apply I such fuads or return them to Borrower.If not applied earlier,such hids VIII be applied to the outstanding t principal balance under the Note immediately oar to(cmdasutrs.No offset or claim wbheh Borrower might have now or In the future against Leader shall relteve Borrower from making payments due msder I the Note and this Security Instrument or perforating the covenmtts and agreements sensed by thio Security I Instrument, t 2.Application of Paymaats 0r Proccads.F=ept as oihvrwdse described in this Section 2, all payments accepted and applied by under shall be applied in The following order of ptiorlty:(a)interest due-under the Note;(b)principal doe under the Note;(tj amounts due udder Section 3.Such payments 1 shall be applied to each Periodic Payment In the order In which it became due.Arty remak tng amounts shall be applied first to late charges,second to any other amounts due under chis Security Instrument,and t I then to reduce the principal balance of the Note- t , If Lender receives a payment from Borrower for a delinquent Periodic Payment wblcb Includes a 1 sufiideat amount to pay any late charge die•the payment may be applied to the delinquent payment and the late charge.If more than one Periodic Payment it outstanding,Lender may apply any payment received from Borrower to the repayaram of the Periodic Payments If. and to the extent that. each payment j t , 0 I ! r. enure � I �atA(PAy{tnoer ceo.cata F&M3039 Iiaf ! i I i f � i , c I J ) 1 S i J � f i i F i i I i ! i I ' t i t i i , {1 ' 1 f i I i i i t , I ' ' f can be paid in full.To the exunt that any excess exists alter the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any tate charges due. Voluntary prepayments si;ell be applied first to any prepayment charges and than as described In the Note. Any application of payments,insurance proceeds,at Miscellaneous Proceeds to principal due under ' the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments. 3.Funds for Esaow Items.Borrower shall pay to Lender on the day Perind(e Payments are due under the Note,until she Note is paid In fall,a sunt(tha"Funds')to provide for payment of amounts due for:(a)taxes and assessments and other items which can attain priority over this Security Instsstnerut as a I lien or encumbrance an the Property:(b)leasehold payments ar ground rents on the Property,If aro;(c) premiums for any and all Insurance required by Lender under Section 5: and(d)Mortgage Insurance ' premiums, if any, or any sums payable by Borrower to Lender in lien of the payment of Mortgage I Insurance premiums io acco dance with the provisions of Section 10. These Items an called "Escrow Items.'At origination or at any time during the term of the Loan.LerAer may require flat Community Association Does,Fees,and Assessments,if any,he escrowed by Borrower,and such dues,fees and i assessments shall be an Escrow hent.Borrower shall promptly famish to Lender all notices of amounts to i be paid under Ibis Section.Borrower shall pay Lender the Funds for Fscrotiv litres tvnless Lender waives Borrowers obligation to pay the Funds for any or all_Esc ow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any tiros.Any such walver may only be { In writing.In the event of such waiver,Borrower shall pay directly,when and where payable,the amounts due for any Escrow Metas For which payment of Funds has been waved by Lender and,If Lender requires, i shall furnish to Lender receipts evidencing such payment wlthur such time period as Leader may require. Borrowers obligation to make sucli payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument,as the phrase*covenant and agreement" Is used In Section 9.If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borruwer falls to pay the assistant due for an Escrow Item,Lender may exercise its rights tinder Section 9 i and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount.Lender may revoke the wratver as to any or all Escrow Items at any time by a notice given In f atxosdance with Section 15 and,upon meh revocation,Borrower shall pay to Leader all Funds,and to ( f such amomtis,that are then required tinder this Section 3. I c Leader may,at any Ome,collect and hold Funds In an rational(a)suMclent to permit Lender to apply 1 the Funds at the lime specified under RFSPA.and(b)not to exceed the rawdumm amouat a lender can I I require under RESPA.Leader shall estimate the amount of Funds doe on the basis of current data and seasonable estimates of expenditurei of future Escrow Items or Whawlse in atcurf rce wills Applicable I yaw, ( f The Fan& shall be held In as Institution whose deposits are insured by a federal agency, Instrumentality,or entity pnciadmg Lender,If Lander is an faatltudon whose deposits are so tmsatatQ or In any Federal Home Loan Bank.Lender shell apply the Funds to pay the Fsaaw Items so later than the time specified sunder RMPA.Lender shall not charge Borrower Lbr holding and applying the Foods,animAy ! ! analyzing the esuow account.or verifying the Escrow Items.unless Lender pays Borrower Interest on the Funds and Applicable Law petards Lender to make such a charge.Unless an agreement Is made In writing ' or Applicable Law requires Itlterest to be paid on the Funds,tender shah not be required to pay Bom wer i any Interest or earnings on the Funds.Borrower and ImWer can agnre to writing,however.(hat Interest E CtSA1PA)to1Otn ry.sais Patn7039 imt . r t l f ! r i • � I I I If I i AK 1 QAAPrn71~ i I i t - i t 1 t t i shall be paid on the Fads, Under shall give to Borrower,without charge,an armual accounting of The i Funds as required by RESPA. If there is a surp4us of Funds held In asrrow,as deruned under RESPA, Lender shall account to !- Borrower for the excess funds 1a accordance with RESPA-If there Is a shortage of Funds held in escrow, os defined under RESPA,lender shall noti.`y Borrower as required by RESPA.and Borrower sball pay to Lender the amount necessary to make up the shortage In accordance with RESPA,but In no rwre than 12 monthly payments.If tbere is a deficiency of Funds held In escrow,as defined under RESPA,Leader shag j notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency In accordance with RESPA,but in no more than 12 monthly payments- Upon payment In full of all sums secured by this Security Instrument.Lender shall promptly refaurl i to Borrower any Funds held by Lender. i 4. Cherga; Llais, Borrower shall pay all tazes,'nsseshnienrs,:tharges, fbtes, and intpositioas i I attributable to the Property which can attain priority over this Security f4sirument,leasehold payments or ground rents on the Property,!tiny,and Community Assoclafon Dues,Fees,and Assmmum,Many,To the extent that(/nese items are Escrow Items,Borrower shall pay them In the reanner provided in Section 3, i I Borrower s)•a11 promptly discharge any lien which has priority over this Swinity inst=rument unless Borrower:(a)agrees in writing to the payment of the obligation secured by th'c ties in a manner acceptable i to Conder,but only so long as Borrower:s performing such agreement:(b)contests the lien In good faith by.or defends agaitrst enforcement of the lien In,legal proceedings which in Lender's opinion operate to }' prevent the enforcement of the lien while those proceedings are pending,bat only until such proceedlags are concluded:or(c)secures from the holder of the Lien an agreement satisfactory to Lender subordinating The lien to this Security InslrumcniL If Lender determines that any part of the Property is subject to a lien I which can attain priority over this Security Instrument,Lender may give Borrower a notice Identlfyng the i Hen.WiNn 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take one or more or the actions set forth above In this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or t repeating service used by Leader in connection with Ibis Loan- ` S.Property,Insutoam Borrower shall keep the Improvemteou mw txb&g or hereafter carded on The Property huared against Ioss by rue,bamrds Indadbd wlihio the term'extended coverage;and say other hazards Includin&but ant Ilmtled to,eartbgtwkes and floods,forwhlch Lender requires Insuraaee. 7Ids Insurance shall be maintained In the amormu(Including dedudible levels)and for the petlods that ! Lader requires.What Lender requires pursuant to the preceding sentences cap change during the term of t the Loan.71te insurance carrier providing the inswance shag be chosen by Borrower subject to Lender's } right to disapprove Borrower's choice,whicb right span not be exercised unreasonably, Lender may require Bormwer to pay.In connection with this Lou.either.- (4 a time-time charge rar flood zone determination,cerdflcedon end tracUng services:or(b)a one-Ute cbarge for flood zone deiermbiation and certification services and subsequent charges each time remappings or similar changes occur which 1 rertonably might affect such determination or certification.Borrower shall also be responsible for the payment of any fees Imposed by the Federal Emergency Management Agency In connection with the review of any flood zone delmninallon resulting fmra an objection by Borrower. i 0 t F Cg-GA(PA)rowel AV.adrs Ferm3039 tion 1 t I ; r � I i • i • [ i i I nvaranrnil n�trn i j s ' I i i if Borrower Fats tO uuintvt any of the coverages descnlred above,Linder may obtain lnsurnnce ( t coverage,at Lender's option and Borrower's expense. Lender is under no obligation to prticular type or amount of coverage.Therefore,such coverage shall cover Leader,but might or might ! j not protect Borrower•Borrower's equity in the Property,or the contents of the Property,against any risk, i F" hazard or tiebil and might (. !y g protide&ezler er lesser coverage than was prev ously in ettcc!.Bnrrntitr i acknowledges that the cost of the Laurance coverage so obtained might slgevi umtiy exceed the cost e i Insurance that Borrower could have Obtained.Any amounts disbursed by Leader under this Section 5 shall i bcuOroe additional debt of Borrower secured by this Security haLnmpat.Tbese amounts shall bear interest ' at the Note rate from the date of disbursement and shall bej Lender to Borrower requesting >u �,With such interest,apart noire from re4 g payment. i All insurance policies required by Lender and renewals of such policies shall be subject to Lender's j right to disapprove such policies,'Shall include a standard mortgage cls ' tea,and shall name Lender as..` ( mortgagee and/or as an additional loss payee.Lender shall have the right to bold the policies and renewal 1 certtBcates.If Lender requires,Borrower stall promptly give to Lender all receipts of paid premiums and rrnz vaS notices.If Berowe:ahta u any form'of Insurance coverage,not OU;erwlte reeuL•ed by Lender, f 1 for damage to,or destruction of, the Property,such policy shall include a standard mortgage clause and i shall name Lender as mortgagee ardlor as sn additional loss payee. i In the event of lass.BORDwer shall give prompt notice to the insurance carrier and Lander.Lender t may make proof of loss if not made promptly by Borrower.Unless Lender and Borrower otherwise agree in writing,any Insurance proceeds,whether or not the underlying Llsurante was required by Leader,shall be applied to restoration or repair of the Property If the restoration or repair is economically feasible and ; Lender's security is not lessened.During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspec[such property to ensure the i f work has been completed to Lender's satisfaction, provided that such inspection shall be underfatcon promptly.Lender may disburse proceeds for the repairs and restoration in a single payrneat or!o a aeries 01`1710911M payments es the work is completed.Unless as agreement is made in writing or t or In ae Law ( requires i imeren to be paid on mcb histumice proceeds.Lendershall not he required to pay Harrower arty f interest or earnings on such proceeds Pecs for Borrower shall not be public adjusters. or ether third parties.retained by t P�out of the Laurance proceeds and shall be the sole obligation of Borrower.If Ike restoration or repair is not ecanomFcllly feasible or Lender's security would he lessened,the h%urOore E proceeds shall be applied to the suss secmred by this Security Instrument,whether or not then due,with. I the excess.if any.paid to Borrower.Such insurance proceeds shag be applied in the order provided for in 1 Section 2. ; f If Borrower abandons the Property,Lender may 11k. negoUste and settlenay available Insitrattce claim and related mutters.If Borrower does not respond witldo 30 days to a cottte from Lenderthat the ' insurance rattler bas offered to settle a claim,then Lender may negotiate and settle Ure•elalm.The 3°•day period will begin when the notice is given In aither event.or If Lender acquires the Property under i Section 22 of Otherwise. Borrower hereby assigns to Lender(a) Borrower's rights to any insurance ! j' proceeds in an amount not to exceed the amonots uapald under the Note or thk Security instrument,and ; (b)any other of Borrower's rights(other than the right to any refund of unearned premiums paid by Borrower)under ail Jammu policies covering the Property,Insofar to suet rights Bre applicable m the a coverage of the Property.Lender may use the insurance proceeds either to repast or restore the Property or In pay amounts unpaid under the Note or this Security Instrument.whether or not then due. -aweG-sA ° • i �tP4i losmt pq.rd 18 t'a+nt aII38 7/0t t! t j i t 1 77t I 1 1 • 3 i r r t i a ( ( nv r nnr nun-+r.. f i � I i i j I � 1 i 1 ' 1 , F i 1 t i i 6. Occupancy..Borrower shall occupy,establish, and use the Property'as Borrower's principal residence within W days after the exenulon of this Security Insinrmeni and shall continue to occupy the Property as Borrower's principal residence for at least one year after the dale or occupancy,unless Lender j t' otheria:ise agrees in writing• which consent shall rot be unreasonably withheld, or unless extenuating ucums'.ances exist which are beyond Borrower's control, 7.Preservation,Maintenance and Protodlon of the Property;Inspections. Borrower shall net I destroy, damage or Impair the Property, allow the Property to deteriorate or commit waste on the Property.Whethei or not Borrower is residing in the Property.Borrower shall maintain the Property In ! order In prevent the Property from deteriorating or decreasing In value due to its condition. Unless it is I i determined pursuant to Section 5 that repair or restoration is not economically feasible,Borrower zball 1 psompdy repair the Properly if damaged to avoid further deterioration err damage. If Warm= or condemnation proceeds are paid in'connectlon with damage to,or the taking of.the Property,Borrower shall be responsible For repairing or restoring the Property only if Lender has released proceeds for such purpases.Leader may disburse proceeds for the repairs and restoration in a single payment or in a series or progress payments as[be work is completed.If the insurance cr condermilon proceeds are net 311MC1e31 ! ;' to repair or restore the Property,Borrower 1s sol relieved of Borrower's obligation for the completion of such repair or restoration. Y i Lender or its agent may make reisonable entries upon and inspections of the Property. If fl has I: reasonable cause Lender may inspect the]rterior of the improvements on the Property.Lender shall give i Borrower nonce at the time of or prior to such an interior inspection specifyiag such reasonable cause. i t & Borrowa's Loan Application. Borrower shag be In default ir. daring the Loan application process,Borrower or any persons or endues acting at the direction of Borrower or with Borrower's j knowledge or consent gave materially fake,misleading,or loarcarate informadoa or statements to Under 1 (or failed to provide Lender with material information) in ;.nacetion with the Loan. Material represemdons include, bul are not Bolted to,representations coixerning Borrower's occupancy of the Property as Borrower's principal residence, i 9.Protection of Leader's Interest In the Property and Rights Vader this Socority Instrument.If I j (a)Borrower fails to perForm The covenants and agreements contained In this Security instrument,(b)there i is a legal proceeding thal might sigcdBcandy affect Lender's interest In the Property and/or rights rider 1 11 this Security Indrament(such as a proceeding in bankruptcy,probate,for condemnation or forfeltare,for 1 enforcement of a lien which may attain priority over ihtt Security inshvment or to enforce laws or j regulations),or(c)Borrower has abandoned the Property,then Leader may do and pay for whatever is j reasonable or appropriate to protect Lender's interest In the Property and tights under rids Semely t Instrument.Including protecting and/or assessing the value of the Property.and securing and/or repairing the Pre" Leader's anions can Include,but are not limited to.(a)paying any srmrs secured by a Ilea width bas priority ovtx this Semi ty Inslmme it; (b) appearing In coma and (c) paying reasonable i attorneys fees to protect its interest in the Property and/or rights ander this Security Instrument,including Its secured position in a bankruptcy proceeding.Securing the Property Includes,but is act limited to. I enteriog the Property to make repairs.change locks.replace or board up doors and windows,drain wain 4 Gum pipes,eliminate building or otba rode violations or daogerow conditions,and have utilities turned on or off.Although Lender may take action under this Section 9.Lender does not have to do so and is nut t under any duty or obligation to do so.If Is agreed that Lender incurs no Babtitty fm not Wring any or all actions authorized under this Section 9, j c t c 0 F CL-GA(PAleotoei sea sorra Frutn3039 V01 !S I t � i r i t r j • j 1 . i } j i i nit r I i t I j I Any amounts disbursed try Lender under this Section 9 shall become add0ional debt of Barrower secured by this Security instrument.There arnounts shall bear Interest at the Note rate from the date of I dis'aursemert and stall be payable.with such interest,upon notice from lender to Borrower requesting is payment. ! j If Ibis Security insimmenr is on a ltasebold,Borrower sbab comply with ail the provisions of the 1 lease.If Borrower acquirrs[cc tide to the property,the leasehuld and the fee tide shall not merge urdess Lender agrees to the merger to writing. 10,Mortgage Insurance.If Lender required Mortgage Luurasc:as a cocdidoo of making d:e Loan, i Borrower sbal(pay the premiams required to m6rittain the Mori So Insurance In effect.If,for any reason, ! the Mortgage insurance coverage required by lander ceases to be avaWile from the mortgage insurer that Previously provided such Insurance and Borrower was required to make separately designated payments i + toward the premiums for Mortgage insurance, Borrower shall.pay the premiums required to obtain coverage subs alfally equivalent to the Mortgage Insurance previously In effect,at a Cast substanlla0y equivalent to the cost to Borrower of the Martgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If subsnntia0y equivalent Mortgage Insurance coverage is not available.Borrower slnrll continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be In effect.Lender vill accept,use and retain these ; payments as a non-refundable Icss reserve to Beu of Mortgage Insaramce. Such loss reserve shall be ; non-refundable•notwithstanding the fact that the Loan is ultimately paid in fust• and Lender shall not be j required to pay Borrower any interest or eur'.Scgs on such loss reserve.fender can no longer require loss i reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires) provided by an insurer selected by Lender agala becomes avallabie, is obtained, and lender requires l separately designated payments toward the premiums for Mortgage Insurance.If Lender required Mortgage ! 1 bw=nce as a condition of making the Luau and Borrower was regtdred to make separately designaltd payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to ' S maintain Mortgage Insurance in effect, or to provide a non-refundable lass tesane, =rill Lender's requlremem for Mortgage Insurance ends In accordance with any written agreement between Borrower and Lender providing for such termimatian or until termination Is required b Applicable Law.Nothing In ft Section 10 affects Barrower's obligation to pay interest at the rate provided in the Note. Mortgage Insu aace rebabutses Lender(or any entity that purchases the Note)for eertala laces it may Saar if Borrower does not repay the Loan as agreed.Borrower Is not a}arty to the Mortgage, insurance. Mortgage it sartrs evaluate their lord risk on ali such Insurance to force from fame to time,and may j enter into agreements with other parties that shun or modify their risk.of reduce hose These agreements tF are on terms and conditions that are satisfactory to the mortgage insurer and the o0rer party(or patties)to ; theseagreements.Throe agreements xray require the mmrtgage insurer to make is using any sauce of funds that the mortgage Insam may have available(which may Include funds obtained from Mortgage I` Insurance premiums)• As a result of these agreements.Lender,any purchaser of the Note,another termer,any minstuer, i any Other entity,or any affiliate of any of the foregoing,may re6eive(directly or indhectly)amounts that derhe from(or might he charaeterlud at)a portion of Borrower's payments for Martgage Inwrance,in exchange for sharing or modifying the mortgage insurer's risk or reducing losses.If suet agreement i provides that an ae of Lender takes a share of the insurer's risk in exchange(err a share of thesilliat premiums paid to the Insurer.the arrangement is often tented'captive reinsurance.-Further. ! (a)Any such agroementa will not offest the amaunts th:t.Barrows bas agreed to pay far Mortgage Insurance,or any other terms of the Lose.SSrch agreioeate will not Inueese the amount Bursae will owe for Mortgage lasurwee,and they will not ew-hia Borrower to any refund, a 0 BA(FA)Mom 7.re n d to POM 3030 Val i 3 • � I i t t l i • i ' i I t r IIY a flocnrn-rcr 1 n i I ! s • j i ! C � 4 j ! j I ' i 1 i 1 (b)Any such ogreemeats Will not affect the rights Borrower.bas-if any-with respect to the )N c tgagt lassrancc under the lfamcowntss Protcetion Ad of 1998 or any other few.Thome sigh's may i1cludt the right to rc -jV0 certain disclosures, to request and obtain cxnallation of the :fortgage Insu arca to have the Mo.tgasc Insurance terminated automatically,and/or to receive a ref-and of any DicYSafio insvrsace pr,=iu�es t3at-were unearned at the ti as of Such euace]tatlan or j termination. 11. Assignmw ent of Miscdlane3'Proaods,porfodure, All Miscellaneous Proceeds are bereby assigned to and shall be paid to Leader. i If the Property is damaged such Miscellanecas Proceeds shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Leader's security is not lessened. During such repair and restoration period Leader shall have the right to hold such Miscellaneous Proceeds i until Lender has had an opportunity to!aspect such Property to ensure the work has been completed to Leader's sadsfaoon,provided that such.inspedion shall be undertaken promptly.Leader may pay for Ilia repairs and restoration in a m single disburseent err In a series of progress payments as tl a work is completed.Unless an agreement is made in writing or Applicable law requites interest to he paid ora Stich wouldlaoeous meeds,Lende;uratrequired s to coaUer 8ny inlerest or ssegiDo Misce eos Peds.L the restonor repainot enomicfaasibie a Lender' security be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,with the excess,if any paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destmctlan. or loss in valse of the Property, the WwAllancaus t Proceeds shall be applied to the sums secured by this Security lnstnrment.whether or not then due,with the excess,if any,paid to Borrower. In the event of a partial Iaking,destruction,or foss In value of the Property fa which the fair market value of the Property Immediately before the partial Wring.destruction,or loss in value is equal to or greeter than the amount or the sums secured by this Security Instrument immediately before the partial taking.destruction,or loss in value,unless Borrower and Linder:dherwlse agree in writtng.the sums secured by this Secutiry Iratrumeol shall be reduced by the a=mmt of the MIscEllaneoas Ptoceeds t multiplied by the following fracd=(a)the Intal amount of the sums secured Immediately before the partial takengg. destruction, or ions in value divided by (h) the fair market value of the Property immediately hefore the partial taking,dzstmdfon,or loss in value.An aslanceshaB he paid roBorrower• h In the event of a partial taking.destruction.or loss in Woe cf the Property in which the fair market vatue of the Property bmnediately 6ef6re the partial takf%,disiraetfnn,or 10x5 to value is less than the i amount of the sums scoured Immediately before the putlal taking,dist uctio),err loss In value,unless Borrower and Lender otherwise agree in writing.the Miscellaneous proceeds shall be applied to the Sams ' secured by this Security lashument whether or Pot the sacra are then due. if the Property is abandoned by Borrower, or Lf,after notice by leader to Borrower that the opposingParty(as defined In the next sentence)offers to snake an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given.[ander Is authorized 1 to called and apply the Miscellaneous Proceeds either to restaraHoa or repair of the Property clines Secured by this Security fasirument.whether or not then due.'Opposing Party"means the third party + that owes Borrower Miscellaneous Proceeds or the party against wham Borrower las a right of adlon in regard to Mlscallaneotu Proceeds. i Borrower shall be In default Ifany action or proteegIlgog,whether dvB or criminal.B begun that,to of or other material imPadrOlM Interest bi ihe�PeOroper y�or+1�undu this Secndin forfallure.of ryInstrument.Borrower ran tura such fault ad.Lender's i acceleration has occurred,retmtate as provided In Section 19,by ausLts the action or proceeding to be ; 0 �6A1PAl tosaof V3"to err to Faro 3039 110r i i i } I 1 • i • i i i 1 , , , i It OU t nnrrtirn-IrP I i 1 1 i f dlsmissed with a ruling that,is Lender's judgment,precludes fortetture of the Property or other materia! , inpainrent of Lender's interest In the Property or rights weer this Security instrument.The proceeds of sty award or claim for damages that are avribuMble to the Impairmeal of Leader's]nteresa in the Prcpcl y are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied(o restoration or repair of the Preperty shall be applied In the order provided for in Section 2. t 12,Borrower Not Rdcesal,Forbearance By Leader Not i Waiver. Extension of the time for payment or modiAation of amortlratioa of the s•:ms securod by this Security TmEc ament granted byy Lender to Borrower or any Successor to Interest of Beriower sball not operate th release the UabNty of liorrower or any Sactex=la Interest of Borrower.Lender shall not be required to commence proceedings against I any Successor In Interest of Borrower or to refuse to extend time for payment or otherwise modify i amortization or the sums secured by ibis Security Instrument by reason of aay demand made by the ori Borrower or awry Success=in Interest of Borrower.Any forbearance by Lender In exercising any rI t or remedy Including, without limilation, Landers atteppttaaacc of payments from third persons,mtifles or i Successors in Interest of Borrower or In amounts less than the amount then due,shall not be a waiver of or i preclude the exercise of any right or remedy. 13.Joint and Several L•:abllity;Co•sigucre;Successors end Assigns Bound.Borrower covenants and ag:ees that Borrowers obErdtions and liability shall be j3inl and several,However,any Borrower who co-signs this Security Inswment but does nor execute the Note (a"co-slgner"): (a)is co-signing this Security instrument only to mortgage,grant and convey the co•sigmer's Interest Ir.Lie Prnperty under the terns of this Security Instrument;(b)is cot personally obligated to pay the sums secured by this Security instrument;and(c)agrees that Limier and any other Borrower can agree to extend,modify,forbear or make any accommodations with regard to the terms of(his Security instrument or the Nate without the i co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obliptians rider this Security Instrument to writing,and Is approved by Lender,shall obtain all of Borrnwer s rights and benefrU under this Security Instrument.Borrower shall not be released from Borrower's obligations and liability under(his Searrily Instrument unless.Leader agrees to such release in I writing. The covenants and agreements of this Security instrument shaft bind except as provided in I Section 20)and benefit the successors and assigns oftetrder. i 14.Loan Charges. Lender may Barge Borrower fees for services performed In coaaection With { Borrower`s default,for these of protecting Leaders interest in the Property and rights wader this ! Security Instrument,iadad v,but rent Bathed to.attorneys'fees,property Inspection and WWi=fees. In regard to aay other fees,the abuaee of express authority to this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee.Lender may rat charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loam Is subject to a law which sets maximum loan charges,and that law Is finally Interpreted so ! no the Interest or other I—chat collected or to be collected in cormectton with the Loan exceed the perml(led limits.them (t any such[can charge shall be reduced by the amount necessary to reduce the charge to the permitted frill:and(b)any sums already collected from Borrower which exceeded perrattted r limits will be refunded to Borrower,Leader may choose to make this refund by reducing lite principal owed wider the Note or by making a direct payment(a Borrower,If a refund educes principal. the } reduction wBl be treated as a pattlat prepayment wktroat any prepayment chugs (whether or not a prepayment charge is proNded for render the Note).Borrower's a.oeptaaea of any such refund made by 1 direct payment to Borrower soil!eonsWwt¢a waiver of curry rlg]d of r.e0are$orrower mi�rt have arlsing ons j 1 of ser 13 Nateroi w All notkes given by Bomaer or Lender ht anneruon with this Seearfty instrument ! f mast be En wilting:Any notice to Borrtower iso eotmeeUoa with this Scs:dry$atrunewt sbaU ha deemed to ; Yearc � �$AI�+issaat cavo.++d,e FormMV iron I e � ' 1 I i • I i l i . S i • i t • 13V 1 00Cfit*n*7C"7 i r I , i have been given to Borrower when mailed by fust class mall or when actually delivered to Borrowers ! notice address if sent by other meats.Notice to any are Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requim otherwise.The notice address shall be fit Property Address unless Borrower his designated a substitute notice address by notice to Lender.Borrower shall promptly notify Lender of Borrower's change of address.If Leader specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under ibis Security Instrument at any one time,Any ' notice to Lender shall be given by delivering it or by mailing it by Best class trail to Leader's address E staled herein unless Lender has designated another address by notice to Borrower. Any notice In cormectlon with this Securf y Instrument shall not be deemed to have been given W Lender mW actually t received by Leader.if any route required by tits Security Instrument is also•required under Applicable Law. the Applicable Law requirement will satisfy Use corresponding requirement tinder Ills Security Instrument- 16. nstrument16. Governing Law; Severability; Roles of Construction. Ibis Secarily Instrument shall be i governed by federal law and Use law of the Jrrrisdictian th witch the'Property is located.Ali rights and ; alligatiaus catnained In this Security Instrument are sub(ect to any requirements artd Ilmtfatiers of Appl3abk Law,Applicable Law ought expliciOy or implicitly allow he parties m agree b3 contras or it ;night h rile 1t,bet sack s icnee she net be construed as a j rob bllicn agrJnsi alTcamcnt by control.In rhe event tint any Mwslom or clause of this Severity Instrlunant or the Nam conillc's wish AppL'cable Law,such canttict shall rot affect other provtshans of lids Security Iustromeot err fbe Note width can be given effect withoot the conflicting provision. As used in this Security Instrument: (a)words of the masculine girder shall mean and Include corresponding neuter words or wards of the feminlae gender,(b)words in the singular shall mean and :? Include the plural and vice versa;and(c)the word"may"gives so:1 discreGaa without any obligation to i { take any action. 17..Borrower's Copy.Sorrawersball he given one copy of th'r Note and offt Security lustratoent. ! � 18.Transfer of the Property or a Bencficial Interest is Borrnwrt.As used In Uds Section 18, "Interest in the Property'means any legal err beneficial interest in the Property,Including.but not limilcd to,those beneficial Interests transferred in a bond for deed,cantrau for deed,installment sales contract or escrow agreement,Ore Intent of which is the transfer of tine by Borrower at a fame date to a purchaser. If all or any part of the Property or any lalerest In the Property is sold or transferred(or if Borrower ; Is not a natural person and a beneficial laierest In Borrower is sold or transferred)without Lender's prior written consent. Leader may require immediate payment in full of all sums sensed by ibis Smaity Instrument. However,this option shall not be exercised by tender if such exerelse is prohibited by Appihabte Law, i If Leader exercises this option,Leader shall give Borrower notice of acceleration.The emetine shall I provide a period of am lass than 30 days from thue date the notice isgiven In accordance with Sectloa 15 within which Borrower must pay all staas secured by this Security Cutrunruu tt .II Borrower falls to pay these sums prior to the axpJratiou of this period,Lender may Invoke any ranedies permitted by Uds j Security Instrtarneat whbout further nlnlce or demand on Bnrnrwer. ! 19. Barrowees Right to Reinstate After Aeederatfam V Borrower meets certain coodillons, j Borrower shall have the right to have enforcement of Utas Seemly Instrument discanttmted at any time prior to The earliest of:(a)five days before sale of the Property parsaant to any power of sale contained in fids Security Instrument•(b)such other period as Applicable Law might specify for the termination of ! Bonawet's right to reinstate:or (c)entry of a judgment =forcing this Security Ini>rm tent. Those i condlil ms are that Borrower:(a)pays Lender all sums which then would be due under this Security Instrmnent and the Note as If no acceleration bad occurred:(b)cures any default of any other covenants or i 0 ' 9�IaL l ftUVAi fvsoat P4.12 W Is FWM 3039 1101 ! i i ! n 2 • � 1 i i I ! I ! i I 1 � i @K 1986PG0768 1 1 f t j f � s t j } agreements;(c)pays all expenses Incurred in enforcing this Security lnstr=eat,including,but oat limited i f r to, reasonabto attorneys' fees,property inspection and valuation fees,and other fees Incurred for the ! j purpose of protecting Lender's Interest in[he Prop"and rights ander this Seculry lnstrtttnem;and(d) t s_ takes such action as Lender may reasonably require to assure that Lender's interest in the Property and j rights under this Security Instrument,and Borrower's obligation to':.ay the suras secured by this Security kalrument,shag con5nue unchanged.Lender may inquire that Barn-Wer pay such reinstatement sums and expeufes in one or more of the following forms,as selected by I.race(a)cash;(b)money order;(c) { certified check,bank check,treasurer's check or cashier's check,provided any such check Is drawn upon an iiuutLtion whose deposits are Insured by a federal agency, iuslN eentality or ectly;or(d)Electronic f Funds Transfer.Upon rebutatemenl by Burrower,this Security hhsirument and obligations secured hereby shall remain fully effective as If no acceleration had occurred.However,this right to reinstate shall cat apply in the case of acceleration under Section 18. 20.Salo of Hato;Change of Loan Services;Notice of Crievance.The Note or a partial Interest in ; ! the Note(together with this SectiMy instrument)can be sold one or more times without prior notice to Borrower.A sale might result in a change in the entity (known as the'[shalt Servicer`)that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan ` servicing cbl,•gaticas ander the Note, this Security L•nstniment,and Applicable Law,There also mJgbi be ! one or mare charges of the Loan Servicer unrelated to a sal_of the Num.If there is a change of 4he Loan j Servicer,Borrower will be given written notice of the change whicb will state the name and address of the new Loan Servicer,toe address to which payinerrs should be made and any other infornaacn RESPA requires in connection with a notice of transfer of servicing.If the Nate is sotd and thereafter the Loan is serviced by a Loan Servicer other throe are purchaser of the Note,the mortgageloan servicing obligations ! to Borrower will remaiawith the Loan Servicer or be transferred to a successor Loan Servtcer and we not j assumed by the Note purchaser unless otherwise provided by the Note purchaser. i Neither Borrower nor Lender may commeace,jola.or be joined to any judicial action(as either an ! individual Ugant or the member of a class)that arises from the other party's actions pursuant to this Security instrument or that alleges that The other party has breached any providon of,or any duty owed by reason of.this scot"instrument,untll socio Borrower or Lender has notified the other party(with Such notice given in compliance with the requirements of Sadloa 15)of sucb alleged breach and at1'orded the other party hereto a reasonable period afler the giving of such notice to take corrective action. If Applicable Law provides a time period which mast elapse before certain action can be taken,that time i period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportanity to cure given to Borrower pursuam to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opporfmdty to take corrective 1 action provisions of this Section 20. 21.Hazardcas 8ub4ances. As used in this Section 21: (a) "Hazardous Substances' erre those subsaarrs dt:futed as toxic or hazardous substances,pollutants,or wastes by Environmental Law and the t j following substances:gasoline,kerosene.Ober flammable or toxic petroleum products,toxic pesticides j and herldddes.volatile solvents.materials routalning asbestos or formaldehyde,and radlaactive materials: (b)'Eavhnnmental Law"mean&icderal laws and laws of the judsdictom where the Property is Ionated that f relate to health,safety or environmental proteCOon;(c)'&tvtwmernal Cleanup"Includes any response t action,remedial adinn.or removed action.as defined In Eavitonm tidal Lase;and(d)an'Environmental f 1 condition" means a condition that wt cause• can to, m otherwise trigger an Envtmamental • Cleanup. I � 0e AI t cox. t �6A(PA)m m roarsara iorm3039 1101 r . e i t � I I f t . t f 1 ' 1 j I I 1 1 i • ) i 1 i h t Ru ( aar,*ar.n Ica ' I 4 r j Borrower sball not cause or permit theence,use,disposal,storage,or release of arty Hazardous Substances•or threaten to release any Iimrd�Substances,on or in the P.operty.Borrowershall not do, { not allow anyone else to do,anything affecting the Property(a)that is In violation of any Environmental Lanv,(b)which creates an Environmental Condltioo,or(c)which,due to the presence,use,or release of a Hazardous Substance,creates a condition that adversely affects the value of the Ptoperty.The preceding; two sentences shall not apply to the sere,use, or storage on the Prop of small quantities or Hazardous Substances that are genr�alty recognised to be appropriate W na residenJal uses and to nialalenance of the Property(tncindtng.but not limited to,hazardous substances in consumer products). Borrower shall promptly give Leader written notice of(a)any lmvestlgation,claim,demand,lawsuit or other action by any governmental or regulatory agency or pnvate patty Involving the PwXdy and any Hazardous Substance or Environmeutal Law of wh ch Bacmwer has actual knawt gle, N arty j Enviromneital Condition,including but not limited to,any spilling,leaking,discharge,release or threat of release of arty Hazardous Substance,and(c)any coadibtm caused by the presence,we or release of a llazardous Substance which adversely affects the value of the Property.if Borrower learns,or Is notified by any govunmeuul or regulataq authority,or any private party,Ihat any removal no other remediation ; of anyHazardous;Substance afrectug the Property Is necessary,Borrower shall promptly take all necessary : remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Leader for an Envlroamealal Cleanup. NON-L IIFORM COMANTS.Borrower sad under further covenant and agree as follows: E 22.Acceleration;Remedies.Lode shall give notice to Borrower prior to acceleration followlag ; Borrower's brernb of any eovensat or agreancat in this Sectui:y Instrumeatt(but not prior to acocleratlon Linda Section 18 unless Applicable Low provides ohCwisc). Leader slism notify 1 Borrower of,awang other things:(a)the default;(b)the action required to carr the dcfnalt;(e)when j the default meet be cued; and (d)that failure to etre the default as spocafiod may result in ! itowlcetlan of the sumo secured by this Security Insrameat,foreclosure by Judicial roocodiag end sale of the Ptoprtty.Leader shell further Inform Barrows of thx right to reinstate atter acceleration and the right to assert In the foreclosure proceeding the nan,rdstraa of a default or say other u i defense of Barrows to acocirsatioa and furtxJuure.If the defaa;t ie not cured as specifal,Leader at Its option may roquire Immediate payment in full of all soma secured by this Security lastrum cat i I without firetba demand and may feroelow this Se coriq lnstrumrsrt by judicial proued'in&Leader shall be entitled to culled all expenses Incurred in pursuing the remedies provided in this Sectica 22, 1 including,but not Usnirt+d 1%attorneys' fees and costa of title evideace to the txtest permitted by i Applicable Law. ; 23.Release Upas payment of all suras secured by this Security Iratrurnent,this Security Instrument and the estate conveyed shall terminate and become void.After such occurrence.Lender shall discharge i and satisfy this Ltstrtmre� Borrower shall pay any recordation costs. Leader may charge Borrower a fee for releasing this Security Instrument,but only If the fee Is paid to a third party for services tendered and the charging of the fee is permitted under Applicable Law. 2t.Waivers.Borrower,to the a dentttied by Applicable Law,waives and releases any error or defects In proeeedhngs to enforce this Security Iastrumeat,and hereby waives the benefit of any present or i Mute laws providing for stay of execution.extension of Ames,exemption from attachment,levy and sale, ! and homestead exemption. y 23,Rciastattatent Period.Borrowers time to reinstate provided is Section 19 shall extend to one Door r to the commencement of bidding at a sheriffs sale or other sale pursuant ant to this Security c 26.Purobaso Money Mortpgr:If any of the debt secured by this Sectdty Istrement Is tent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money modpgL 21.Iateret Rate Atte'Jadgmeat,Borrower agrees that the interest ratepayabie after a judgment Is r entered as th Note or in as action of mortgage foreclosure shall be the rate payable from time to time �rthe ! j i Ct•6A(PA)(*sea) t'oe+t m w Faro 7039 1101 i ) I i i { • 1 r 1 I f � I i � r i i 1 � t � t l ! j t l 1 BK 1 980077n r i 1 > i t , i I i BY SICtIINC BELOW,Borrower accepts and agrees to the teras and covermis contained In th(s Security Ligmment and in any}cider executed by Borrower and teca,weed with it. i witnesses: I I i tXJC• (Sea)) Edward S. Hatcher Ha rawss I • s (Seal) •BattOHLt t i f (Seal) {Seal) ' •BOStOult -E6flOW�t � I _ I (Seal) (Seal) -Emmxer •Bmowtr f S' (Seal) {Sea(} -Bonower .8mowet E i • i CL-SA(PA)(wool hw.is a so Font 3038 1101 I I i ( I i 3 ji t i i I • BK I 985PGfl77 t i i 1 r i s COMMONWMTHOFPENNSYI,VANTA, C ,lJ(YtK1P�C'1<vta� Conntyss i Oa this,the 23rd day of Febxuary 2007 before Ira,the urdarsigued officer,personally appeared Fchrazd 5. tcher, ANT UNMARRIED MN I known to me(or j satisfactorily proven) to be the person)whose name( islU64nbst:rlbed'to the within Instrument aI a ow g ! ecuted the same for the purposes herein contained, IN WrrNESS WHEREOF,I hereunto set my hand and oMclal seal. ? My Commission Expires, l ( 3 I I , f oHxtt AxcN9 nrltHtN t�tXtty rx (C W Cotnr-Aston Ex"Apr 6.2007 Titk of Officer ' s i t i I i CatifirateofResideaoc 1, Lela A. Myers do hereby certify that ' r the correct address of the within-named Mortgagee is P"0.Box 2026,Flint,MI 48501-2026. I Witness my hand this 23rd dayof FebMaxy 2007 F" i E Agrat of Mangegee f i 0 �1>AtYAJ tosoet nap.ra ar to FpeRt lllSO 4tnt � i I 1 I i i I i I } t 8K E 986PGO772 ' f , I { i r t MURI 'A THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THETOWNSHIP OF LOWER ALLEN,COUNTY OF 1 CUMBERLAND,AND COMMONWEALTH OF PENNSYLVANIA,TO WIT: t ALL THAT CERTAIN PIECE OR PARCEL OF LAND,SITUA"s'E IN LOWER ALLEN TOWNSHIP,CUMBERLAND COUNTY,PENNSYLVANIA,BOUNDED AND DESCRIBED ACCORDING TO A SURVEY MADE BY GERRIT J.Bm REGISTERED SURVEYOR,DATED FEBRUARY 14,1974,AS FPLLOWS,TO WIT: BEGINNING AT A HUB ON THE WESTERLY SIDE OF ST.JOHN'S CHURCH ROAD AT THE CORNER OF LAND NOW OR FORMERLY OF RALPH W.SEIFERT,SAID POINT BEING MEASURED ALONG THE SAID SIDE OF ST.JOHN'S CHURCH ROAD,130 FEET SOUTH OF TIM SOUTHWESTERLY CORNER OF OLD GEITYSBURG PIKE AND ST.JOHN'S j CHURCH ROAD;THENCE.EXTENDING FROM SAID POINT OF BEGINNING AND ALONG THE SAID SIDE OF ST. JOHN'S CHURCH ROAD,SOUTH 35 DEGREES 03 MINUTES EAST THE DISTANCE OF 56.0 FEET TO A HUB AT THE CORNER OF LANDS NOW OR FORMERLY OF HARRY A.MIANGER;THENCE ALONG LANDS NOW OR FORMERLY j OF HARRY A.ELLINGER,SOUTH 54 DEGREES 57 MINUTES WEST ME DISTANCE OF-120.0 FEET TO A HUB AT THE ! CORNER OF LANDS NOW OR FORMERLY OF EDGAR H'ANDERSON;T14ENCE ALONG LANDS NOW OR FORMERLY OF EDGAR Ii.ANDERSON,NORTH 35 DEGREES 03 MINUTES WEST THE DISTANCE OF 33AS FEET TO A HUB; THENCE ALONG TIIE SAME,NORTH l l DEGREES 54 MINUTES EAST THE DISTANCE OF 47.77 FEET TO A POINT AT THE CORNER OF LANDS NOW OR FORMERLY OF RALPH L.W.SEIFERT;THENCE ALONG LANDS NOW OR FORMERLY OF RALPH L.W.SEIFERT,NORTH 54 DEGREES 57 NIINUTES EAST THE DISTANCE OF 85.0 FOOTTO A POINT,THE PLACE OF BEGINNING. BEING PART OF LOT NO.112 ON THE PLAN OF KOEWAYDIA.RECORDED IN PLAN BOOK 4.PAGES 41 AND 42. TAX ID It 13-24-0795-057 I 13Y FEE SIMPLE DEED FROM LORETTT A I.UNDERXOFFLER.SINGLE WOMAN AS SET FORTH IN DEED BOOK J02, PAGE 1040 AND RECORDED ON 3A22A1994.CUMBER LAND COUNTY RECORDS. i TIM SOURCE DEED AS STATED ABOVE IS TILE LAST RECORD OF VESTING FILED FOR THIS PROPERTY.T11FRE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF TILE ABOVE REFERENCED SOU RCE. L liwncms F i I � I U37S89�B2-ggCp17 I_ i' LMt 26V70070i 1 US Racc"InP ! I Certify this to be recorded Tn Cumberland County PA I , u-'(l ll Recorder of Dced I R 7 SISI986PG0f73 4 f i S i S s i i i t 1 I i I t 11 1 I I 1 E i. i F 3 . a . f F t Z Ex" m H I B I S 1 -- i { i t I > i 1 L t i r ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 t Instrument Number-201206388 Recorded On 3/2/2012 At 3:37:57 Ph1 *Total Pages-3 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-103210 User 133-RZ *Mortgagor-HATCHER,EDWARD S *Mortgagee-CITIMORTGAGE INC *Customer-NATIONWIDE TITLE CLEARING STATE WRIT TAX $0.50 Certification Page _ STATE JCS/ACCESS TO $23.50 JUSTICE . DO NOT DETACH RECORDING FFXS - $11.50 RECORDER OF DEEDS This g is now part ' PARCEL CERTIFICATION $10.00 g FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FNB $3.00 TOTAL PAID $50.50 i I j I Certify this to be recorded in Cumberland County PA I � ° RECORDER O r D DS j » I "-Information denoted by an asterisk may change during i the verification process and may not be reflected an this page. 003PU0 � �14�IIlf1�l�R��4111��8 I , i i Prepared By/Return To: E,Lance/NTC,2100 Alt.19 North, t Patin Harbor,FL 34683 . ! I (800)346-9152 ! Investor L#0771516593 i Tax Code/PIN:13-24-0799-057 t E l fiilfl lull fliif hill llf l)hili lllif!1111 11!!!11 I(II iii{ ASSIGNMENT OF MORTGAGE FOR GOOD AND VALUABLE CONSIDERATION,the sufficiency of which is hareb�yp--acknowledged, the i 1 undersigned, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MRS) AS NOMINEE FOR CAPITAL ONE HOME LOANS, LLC ORGANIZED AND EXISTING UNDER THE LAWS OF I �. THE UNITED STATES OF AMERICA, ITS SUCCESSORS AND ASSIGNS, (ASSIGNOR), (MFRS Address: 1901 E Voorhees Street, Sulte C,Danville,IL 61834) by these presents does convey, grant,sell, IL assign,transfer and set over the described MORTGAGE therein together with aB interest secured thereby,all liens, andny rights due or to become due thercon to CITIMORTGAGE, INC., WHOSE ADDRESS IS 10W ! TEaCHNOLOGY DRIVE,O'FALLON,MO 63368.2240(800)283.7918,ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE). ! Said MORTGAGE dated 02/2312007, in the amount of$87,550.00 made by EDWARD S. MATCHER, AN UNMARRIED MAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.AS NOMINEE FOR CAPITAL ONE HOME LOANS,LLC recorded on 0323/2007;in the Office of the Recorder of Deeds of CUMBERLAND County,Pennsylvania,in Book 1986,Page 0757(or Document#) pro ty more commonly known as:6 SOUTH ST.JOHNS ROAD LOWER ALLEN TWP,CAMP HILL,PA 17012 Dated on 02//2012 QX VDDNYYY) j I MORTGAGE ELECTRONIC REGISTRATION ^YSTEMS, INC. (MERS) AS NOMINEE FOR CAPITAL ONE HOME LOANS,LLC ORGANIZED AND EXISTING UNDER THE LAWS OF THE UNITED STATES OF AMERICA,ITS SUCCESSORS AND ASSIGNS By.DERRICK WHITTIn' ASST.SECRETARY � CIMAV ISS50128 --MERS(NON-MOM)073568243 N4 MSN 100393220070637019 MERS PHONE j 1.888-679-MEMS FORM5\FRMPAI 1 1 1111111 IN 11111111111111111111>111111 X11111 III IN i *15550128* t I i i f 1 � i E t I , i I ! ! i i ` I ! STATE OF FLORIDA COUNTY OF PINELLAS The foregoing instrument was acknowledged before me on 071 012 (MM/DD/YYYY),by DF.RMCK WHITE as ASST.SECRETARY for MORTGAGE ELECTRONI GISTRATION SYSTEMS,INC,(MERS) AS NOMINEE FOR CAPITAL ONE HOME LOANS, LLC ORGANIZED AND EXISTING UNDER THE LAWS OF THE UNITED STATES OF AMERICA,ITS SUCCESSORS AND ASSIGNS,who,as such ASST. SECRETARY being authorized to do so,executed the foregoing instrument for the purposes tberein contained. Helshelthey is(are)person -known to me. i I i Miranda Av19 4 MIRANDA AVILA _ Notary Publle State of Florida No Public-State of I LORIDA M xphsCOMMup61W t 2E 2014 j �' yExptrea August 2Z,2014 Commission expires:08/22/2014 _AssiggnnmentofMortgage from: MORTGAGE ELECTRONIC.REG13719TJON SYSTEMS; INC. tME 9S'—NOMINTEE FOR ; ! CAPITAL ONE ROME LOANS, LLC ORGANIZED AND EXISTING UNDER THE LAWS OF TIM, . j UNITED STATES OF AMERICA,ITS SUCCESSORS AND ASSIGNS, (ASSIGNOR), (MFRS Address: 1901 E Voorhees Strcct,Suite C,Danville,IL 61834) ! to: i C171MORTGAGE, INC., WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, O'FALLON, MO 63368-2240(800)2&3-7918,ITS SUCCESSORS OR AfialGNS,(ASSIGNEE) Mortgagor:EDWARD S.HATCHER,AN UNMARRIED MAN When Recorded Return To: r CitiMortgage.Inc. j GO NTC 2100 Alt.19 North Palm Harbor,FL.34683 All that certain lot or piece of ground situated in Mortgage Premise:6 SOUTH ST.JOHNS ROAD LOWER ALLEN TWP E j CAMP HILL,PA 17011 CUMBERLAND (Borough or Township,if stated),Commonwealth of Pennsylvania. '- Being more particularly described in said mortgage. 1 i,DERRICK WHITE,do certify that the precise address of the within named assigner,is., Cr MORTGAGE,INC..WHOSE ADDRESS IS 1000'TECHNOLOGY DRIVE,O'FALLON,MO 63368-2240 (800)283-7918,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE) By.DEMUCKNVMT' ASST.SECRETARY •15550128- CIMAV 15550128 —MERS(NON-MOM)CJ3569243 N4 1r1 N IO0393220070637019 MERS PHONE 1-888-679-NIERS FORM5IFRMPAI { r *15550128* I i f , , ' I ! • i i i TAMMY SHEARER RECORDER OF DEEDS ` CUMBERLAND COUNTY 1 COUt'Tt3USE SQUARE '= CARLISLE, FA. 17013 717-240-6310 Instrument Number-.201402373 Recorded On 1/31/2"014 At 12:20:32 PM *Tato;t Pages-3 *Instrument Type-.ASSIGNMEN. OF MORTGAGE Invoice Number-155573 User ID-MSW *Mortgagor-HATCHER,EDWARD S *Kortgagee-CojSMN.T*W *Customer-G iW*I{INANCTAL GROU.P`IIC *SES 0 ST- ATE JCS-/-..ACCESS TO $2-3.50 jzsTICF DO NOT.DETACH RECORDING FEES — $` 1..50 RECORDER OF DEEDS This page is now part PARCEL CEg"FICATION $1.5.00 FEES of this legal-document. COUNTY ARdHWES FES ROES ARCHIVES FEE $1.00 TOTAIr PAID $55.50 I Certifyf I to.be recur+NO in Cumberland County pA ats cured v RECORDER OF DEEDS *-Informatiowdenoted by ad asterisk may change during the verification procest and may not be reflected on this prsgt. Q63YP2 II I lil l ll 1 1 1�lk�lll f�l 1 1 l!I 14 PREPARED BY&RETURN TO: M.E.Wileman 00 YP2 2860 Exchange Blvd.N 100 Southlake,TX 76092 Parcel tl 13240799057 Assignment of Mortgage Send Any Notices To Assignee. For Valuable Consideration,the undersigned, CITIMORTGAGE,INC. 4050 REGENT BLVD,MS N2A-222,IRVING,TX 75063(Assignor)by these presents does assign,and set over,without recourse,to CHRISTIANA TRUST,A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY,FSB,AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST,SERIES 2013-1 300 Delaware Avenue,11th Flnnr,Wilmington,DE 14801(Assignee)the described mortgage with all interest,all liens,any righs due or to become duc tiierron,executed by EDWARD S HATCHER,AN UNIAAFtRIED MAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.,(MERS)AS NOMINEE FOR CAPITAL ONE HOME LOANS,LLC,ITS SUCCESSORS AND ASSIGNS. Said mortgage Dated.2/2312007 is recorded in the State of PA,County of Cumberland on 3/23/2007,as Book 1986 Page 0757 AMOUNT:S 87,350.00 Property Address:6 SOUTH ST.JOHNS ROAD,CAMP HILL,PA 17011 M WITNESS WHEREOF,the undersigned corporation/trust has caused this instrument to be executed by its proper officer. Executed on:January 22,2014 CITIMORTGAGE,INC. n ,, \-j � BI lllfil111[1[ll�I l lull IEII 111111111 f11E = HATCHER CAW 13155251 Melanie A.Arndt,Vice President PA Cumberland CITICAPIWL37-2013/AS The Assignee hereby certifies that the precise address of the within named CHRISTIANA TRUST,A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY,FSB,AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST,SERIES 2613-1 is 500 Delaware Avenue,I lth Floor,Wilmington,DE 19801. PREPARED BY&RETURN TO: M.E.Wileman 2860 Exchange Blvd.# 100 Southlake,TX 76092 Parcel#13240799057 State of Texas,County ofTarrant On January 22,2014,before me,the undersigned,personally appeared Melanie A.Amdt,who acknowledged that he/she is Vice President of/ for CITIMORTGAGE,INC. and that he/she executed the foregoing instrument and that such execution was done as the free act and deed of CITIMORTGAGE,INC. . ,AjuEBAWN ` µy COMMISSION EXPIRES Notary public,Julie Bacon 30,20 x61r My commission expires:November 30,2D14 •13155251• PA Cumberland CITICAPAVL37-2013/AS EXHIBIT "E" PRESORT PO BOX 9096 CP.i�lcrtgage,inc Firs#�iass;Maii T.smecula,EA 92589=Bf}90 U.S.Postaga.and WSq Fads-Raid 7.196 9006 92% 7d: 2 6433 Send,Pay ftrt'.at& CitiMoitgage,Ino PO'Bbx 689t96 Ces:"cines,IN SMISP-9196 '20130506-'I fib ►[,i�E[.I.,,ijru�r_�il�.[rtp,I.c�f[[[[1�II11►11I�ll�ir�[=i�iT[ri�[I�Iti �au� HaTcHER: s.s�[M Send Codence to DAMP E 11E L;�'A:1701.I-fi949 ci Moitgage,Inn o4 L.m.Obiinas Blvd. Irving,.TX:75063 I I i I i F i r i •I I i i c i t aTIPAAGT91 j I j i Wei Q5/Q672013, Seiif Via.Cerbfied'Mail 7196 9006 112296 7072 6433; ED-VAR:D s-,HATCHER: 6 SAINT JOHNS.RD GAZv1P.1-III;L,FA 1701-:16941. i RE:I?roperty A Iclress; 6 SOUTH ST JORRS RD C_Ai'Y1PIHILL,RA 170.11 1 Cti�V`I�rfgag�Llan;Ei: i AC91.T' j .TAKE XAXV;.�- TlollT . .:: i , . F .: i V�ORXCLUSURE i ')tis is itn:official notice Mat lhi?';irlrirtg[rge.oii your }zvrne Is ari iief ult;. aril A endff k Intends fry foret lose Sppci c`rrmTeftt.i pravidel ir frfaI 1 the aftnc4ed pages- -. .. _ . '�e.11'0,1VpEr7YYNER:�`. S`SISTf1NCE';P�4GI�#`. . ( EMAP)t1P)frrvy'he-able to hilp saveyostr house This 1 Wdee ezpltiirrs ia30 the riigraiii t Works. � ?`o see f)MAMP edh help,you owt-M.EET 3rFlft.GftiY II�YfE$�ItEUIT Ct3UNS 1F11�Gf1GE1YCI' ITAI r-33 DA:Y OF: LtE:I3ATE._OFTHI; rf17'I+ Tdlte ihis.�Vofice pith yot�i6hen you'ftieet.py#h:ihe�Goufzseling.tigency. . i :. . - The riiirrre; arlrlress; find p�larie miner of CQitsutrzer edit'i~ounselinglgencies-setiait .your Gbuiiiy dre listed at the eird of tkirlitotlee.. rf yvii haveany:questaorig,.pou riidy catl theTennsylvania-Housing,:Finance Age ncy0l-,free.:at(800)-3 :(Persans WiM :impirirec�`�tenringoan:.ert11;(�Y�) 78�::186.�).: Tliislotice:coiitiains:iniporta�itlegC inforirixtiob. Tfyou have.any questions, ! i CITIFAACT91 PSge 7 aP9 '7146 9666 9296;7012:O-J3 i i S f represenfatNes:.at'the.Consmer Credit Counseling AgPlIcp'may.be:able- help-,exp ain it. Ynu-may disei want`ta-eontaet_an attoriiPy°in:your area, The local liiir association may be-alile to help You Und a lawYerw , Lk..140TIF CAGIC3I+I. FSt '�I.AD:TUINI TQ- ES:DE.STIMA-TNiPC3RTA1StCrA,,DUES R EGTA D�&i±.CI3fl EiY SV CASA.:; SI. NoCOl'IF'ItENDE. EU CnNTE`II '0 �: .ST. YO.TIFIG�ACIU\ QB.A. UNA TI�I}�7CCIbN _ ._ INZN� DJ,� 'SIE TE LI�£,�tI"O ESTI AtXXOA O'F,NN,S�'LYANIA I30U-SIl`TG FIN1 AiN,C:Er�GENC,Y Slid-�C GOS-AL:'�IIMERO' E1 CIOI f DO.t+,RRIBt�.. P.C7EI?E 'R; EI:EGiiLE:PA]Etr�"Ui`I I?RESTAIIIQ POR.,I-L PROGRA.1tIA LLQ"HOIVIE0�4'1�IER'S : EMERGENCY AloRTGAGE ASSI.STANC1E PROG.RAM" -D EL UAL PUEDE Sr�.LVAR SU. CA,S�i DE LA PF,RDIDA DEL DERECHtY,A:PN EDTAUR:,S'U THP.OTECA. HOMEO'W'NER'S NAI\M(S): EDWARD:S T1AWICGTt. P1�OPERI.?ADDRESS: 6 SOfJ STI ST7CAI�XS RI} O.AtVII�T-7Ir,L„PA 1741:1 012I Mi L LEC PTTAL ONE 110-NM LOANS,ILC GUR1iEN.,I Ei�DI;RiSgRV CELL 04lYlg4899e;Inc; OMEONV14fEws EMERGENCY MORTGAGE ASSIST-A:NCE PROGRAM . ..: . .... ... . . Yc U til TEE E IGi73L FOI?-FI,2Y�YaAL:t1.S`�IS`Tr�C.lr-Wlt-ICH CANSAV.E.YO.UR_Hf VWTI If`�t M QREGZUSURE YI3.HELP Yo&F tVAIM.;F'7�?`UREAIOTtu4GE:pAYNf 1VT,5� TR�'Ot3 CQl�'1PL`�'•Z'�T$T'�E�.pRf?�'f5701r7S..01�T`$E Hf�IV18d'i�TVER'8 Ei1'IRT'GkNGY IFIORTGAGk tiS5T5`'AYG'1<;..ACI (?F]983.(1 "AG`T"),3'OfJ:?VL9Y I3E ELIGTBY.E FtiR. 1v7E1tGENCY 1'rlfiRTG�€GL. S ASSISTANCE: � IR Y61M I}EE iBL T-HAS:I;EEN CAUS'90,BY CY12CUWIST NCJES BEYOND YOUR CONTROL, 1FY0a. vE A IMASONABLE r'Rost? cT OF-BEIN.C.-ARLETO Pay YOux.n oxr(WIE PtiYlvf9NTS,AN-D * 1FY6v'.�t=(}'I'HERIST,XGLBTLITY-FCL0UIRBiViENTS.EST`�B�C.X5HED$Y FHE 4 PE1V ISYI.VA NN. . HO'F7SVP-MAWI AGht QY! T��i41PORARY STAY O.F FOMEOSU" e 'Under. thH-Act, you:are entitled 'ta a temporary sta :of i. _ . .0 3Q da s fi bm the&W-Of.this I1titzce(Plus -cte 3}dRys for"mailuig�• fareciosure on yopr=morCo�„e for tlinrty;( ) y. ..:. . During ft-t-froze you must,arrange`mid,gitend a "face-ta-face'-' -mw6n9-with•:one,of the consumer credit obiuiSeling agerzeies .Tistecl aE. the :end of this .Nance: THIS MEET17VG MUST OCCUR -t TIHIV i 7liiltTY=TfIRL�E: {33};.D�4YS i3F: Fes' :4TH: ©' THTS�Nt7'om ZF" Y021 DD ;2 OT APPLY FC2R j MERGEIYDY�ViOR7C:AGE.riS5l�4T NCF, YDU Jti1UST SIZING YOGT.R•hjoRTGA'GF UP TO DATE. THE ! PAt '::0 `?` IS:� OTICE C�fLiJED "e pW It?:CLIR "YD.iIR 1IQRTG:4GE:DOPAOLT"EXPLAINS`.YOW TOBXIlUG•`YO'LIRiti7DIZ�`D:4Gfi rlPTO.DfiTZI: � -t;'DNSU�R CILEDoa C`OLWSEEING A�rF.N IFS - If you meet'xzth orie:of the consiiiner credit cotatseling ageneies•.lisfed zz�the:end of[tris:noticei 4he lender may..XOT tyke atfion against you for Thirty (3D) days after the flat of this;rmeelin{; The:names, addresses, and felephone numbers oy.itesignated - i f cmPAACF9t IV& 9006 9296 1012 6§93 i Pag6l.&9 the county in which tfieproperte end of is:locafed are Mjorfht-at-th consumer credit cowaOl!i7,,C4,aendC9fOY fftr--Notie,. Ip is onjyjee&�aryj6so schedule k &n&jac6bjaee.m,eth�. Ade your.r lender immediately of your intmt,1:6m. e atdl 0 'Ile OW-Setforth ,4ppLrC ,4.7TOIV FOR.MORTGAGE AsSjSP,.4jAjCE-Your inortgage;is in df for t reasons.&tivijj, j, aboutthenalu;re 6fyourde/aO)y rbu have wn _nce Pe�gralj, to apply rstq.. O'e b�'s.E?27e'r_J , ifs��raupe Program. .&ji; lig?2 a?ld e L740271POe � s I Hom��bym .Emergency To do �6, you lnuO at the-end of this Notice.. [hrlagencies have applications for the....program. and they will aUistl Ycrujn y consumer credit cowlseling qa stiblilwfng acompleteOppli4C7 k. l,e syh .. g6jrsing,Vinance Age?c� tyhipd)grily Sfbp the lender from filing a foreclosure action-your applzcaiio n- II�,ST be forwarded to prlrA..and received jjjjrty(jO).da)&:4f face-to face meeth-lthdth-the 667MSOintag*n6y: TO,17,SffOULDFILE.AHEiVAPIIPPLrCATIOfVAgSOOiVA2;.PC.SSIBLE- IV YOU HAVE A MEETINCWIT-4 &EATCT WWiN 3y D&S..0• p Tlllr pOSTM4RK DA.TB-OP MYS NOY IMA AND nylE AN. A_C6UjgELjffG7A -'Oft 30 M-P MEETING_T-YWV Aboa. WM BE, N! .W"WD FWOPP STARI'M A FO) CLOS AGARVST YOM P)ZOPUl?TY, AS OFTOREC40MM"' E,YPNA'Fl�,,J)30YE,T7V THYSM-TION-C.."IL.LED�TBWOR4RYSTIf..Y YOkTH;4VL,.j:ja, RIGHT TUFYLE t 11MIAP PERIODS A j ppL,C,4 T101V fkyLL.)VOT pp-yByT Tnr MN DER.FR 0M 7A RTrN -A .0RE= SVkEACT70 , Bt7 lFYOL12Z,_1PPVC 4TIONIS EVENTUXLL Ys,?PWELD DAT./JPVT TIAIEREMRE A SHERIFF'S SA LE, THE FORgCLOSUPE WILL BE STOPPED. AGENCY AC770AI-.Available funds for emergency mortgage assistance are very.limited- They rill be the eligibility criteria established.by the-Act. The-Ppmylyania.Housing Finartce. roer it receiyes your applicaiion. During that time;. has��-sixo,(6q make a decision Ag ,ency. dqys;io u if yqu haie.met the.time re4idi-ements set will-be pursued'against you forfh g Finance Agency of ifs d�czsioh on your Y.&u Evill be.notifieddirectly by !he Pennqjilvahia-,Hbusln P!TIF}.%AOTl 71% 9006 9296.7W 1-433 1 i NOSE::IF '!1U A�R`Ci7RREl1'TLY PRf�TGCTBD`B°Y TIIE F121NC Op.A RE7'IT2QNItV 13F4NKR11P?C4`,T3 . FO1 Ct? 'rt G PART' F-Ti3TS1VUTIr E.3S Foo INFoko,AT10,V.,PURFOSESONLY AND:S`HOULB.SNOT BTs' { CDi1TS11)fikBl3 4S.ftNff� EtYXPT'7D°CQBZECI THVb'8B (Tfyou%iavc f led br=nkrupicy,yarr.cirrr still apply far 1 mergerrcy ?ortgage Assistance j OYV To.CI1J�8 Y4Y0 A?6)ZT64:G DEPA.11Lf 0i� 4 Tt rlp1•to date:: i yVATt71 6p T'1'lE D$1'A: T Z -The:Iv1ORTGAGE debt held Uy the a1 ave leti8er oa;}our property Iocate af:. 6 SUM[SfX)T1i19 RD CA3,Q I-aU,PA 17011 - 7SSEIZ1OtrS�I`1NDEfi.�.i7L-Thecartse: - YOIIIlr1TrENO? ,�IADL'MOr�Z Y. It3RTGAGII•P�f�`h tV7S for i(re.following months-and the.fd?lowziro irrriottnts are'nowpast due. 03701/13--1hrodgh:05101J13 3_@ S693.77blionth. 1,@$22:44116e-chargemonfh ' t 1'rm�ous Late-Cnarge(s). y43d.8I pet nqueecy,EXpense(s): $( 0.t10). L3riapplied�lrriiLG_ T©:T',tt:'AY'14"QU1VT PAS3'DUEs $2,74 .50. G -110W.1,0.L71RI T�DLF:4U,1r•T=3pu may, cure:the default tvithirtT IIZT'Y(3Q)DAYSof-.ilie.date of this-notice ZrY RilYlltl'GTHE,,TJT.,1L 11F1O NTPAST..IlM710�T 1'E:BEND£2t;.:11777CH25.�3.744.50.-.-Y S-... 0 lORTG�GE P,4n&21ZSA',)11}t AT9 C'HAko,gs�T NCH&.ECD,I,ED- EDZ7k VG TRB TITIRTY.(YO).Dg :PERIODz Payments rriirsi.be•ntade:eitberb}t:cpslr,cashiers cliecli,eert'ified:'cliecl�o.'r rriorey*'order rrtacTe-paysiti7e an _3citf to: UtWdrtpgi-2,IRC. 13.0.:130x'1:2?18: T acson;:AZ SS73?-3218 t YI?Y0Y7DO i'VOT.4�`1R`E�EDFsFitl'1L7'-Ijyou da:-no C%iiire:the defirti(t hzlltfft TFffRT;f'�(30f D.41'S oj'•`(lie Ja[e,df [lriS:Notice 't/re lei+iter:ttrFenrts-lo exer[xs W ilgltls.t4.acc forgle,!lie trinrtRage debt TTiis.meRJr 'thdl:She an[ire i ofttstarrcTing'bglance.oflhu:de&t will bconsfdered flue 3inrrieilia( y andyou mgylose tFie chance tri flay the filo:!gage t ire anonally installments..11jall:payrnent-of the.total amount:parf-due"is;not made.within ThTR T '(YVj OAFS.I&.lender � also intends?o.insnzect'its=af[orney:'s•10 sltai'1e�al aetiorr tn-forecFose rrpnrr yarcrm»rtgagedrrngerty. ; 2 F?Ifs,tI ORT'G:9f 11,451?DIZLGZOS D lJ1't7h?-2'Jie:MQrfgaedPl per[y tvilt'be spTcl by=tite:.,5her flo PaY:o(l;tfte ; mQa tgkge.di Gt_ XJ thelentier i efers..your case:to its Yt[tdrney's,.G'uty-u curse iire•dernc�ue'iey before the-.lender tiegiri¢ i _ legal piioceedingg.ag- Yb—Y ;ivi1F.still:,be:t gtrTi_ed Co pays the:r easpriaSle rrttiti ey.'s fees that zv actefa_y. 3nctnret up to$Sn l/Q: -Noi+� er, f tegcil:proceedir:gs arm sFarled against ort:you.will:hayz.io pay atl reasonable attorney`s,fees aclttcdly iitcurrecT by:tbe li?n[ler,evert'iJ they exceed ASO:fib. Any ersiorney's fees will he aitt7ed to'the crmoun,yoir otve,ttie-leader,•}vlriel[:to also inclCide`diher•;reasonttble Costs, 2f you''cure die default•witfiir> tire. j YWRT-y(*Aap�r04 yair iiiill rrat;b ieiju`;i+?d[d pay aYlo iriy's fees. -OT'B�IiC ENDER:RgAaEDl2a°--_77 e'ld�tder mi[y also sW y6-perstirm(1y'for ilie rtnpdicl.prin 3pal balciirce-arri}all. otjier3zirrrszii[e�:tq:der'lhe:mortgage.. I noz[VTO,CURE MB-DEFAULT PRIOR r0.SHERIFP9'5ALB"Ifjtu have-irot'c'rftd-the default:within the THIRTY(3(1j.DAY peehad aiid fo'reclosur'e proceedings 3ta�e egiiri;you still have the°right.to dere'the tlefarirP and psevent.the stile at any tiirie:tp'to'ane-hC:zirYrBjore ilie_SjrL ps:S`ale.. Yoii,rritrk.doso by-pa Mg lhe..tolaj amouri[:then � i CMPAA-cTRi 7196.9004 9296.1d12 6433 Pale 5-of S ' 3 5 f pcwt due,pkrs any tate or other charges then due;rsa>orrable attorney's fees and costs connected.will::the foreclosure. s s�1e.,and any other'costs connectedzvitii_the Sheriffs Vale as specif ed in w-Iting by the ieiJder grid by perforrmng:arry other regirireinents irncter ffre.mvztgC�ge: Cur.iirg•'your default`iii the manger set forth in thus no'ti.ce will i estare; y�oar triartgag'e•fo#lie same positl:6ri as i#'you fiad never rizfautfed: Ti 4k IEST 't?SSIIi .Si3ERI�'F'S_SACr,D .TE-It is estimated.'that the:ear-I t date that.such a$tier ll's Sale Of tic mortgaged property could.�e held ivoiild.be:approxiiiiately i.mouths-fi�oin`tlu tTare:of.fhis Notice, A=uotice''ditlie actual cjate aftlie SlYerif#'s Sale iuill be sent fo.}bii bel`ure the ske. �0) eou se;th&. mWnE'needed fo:cu#e Ehe derz. will the longer yoii:it,ait: 4 ori lnay fictd cUt ati.apyp�e:eacaCtl}�:�vfiet:EMe recjufYed.:pa}mnent.5i action will lie.tiy ill u coriEactvg::.the fender. i HOTS'fl CONTAMIYII_LG'VDE'R. Ndrrre ofl COM' CitiMortgage,Inc. i i i 4ddrrsi B.O.Sox t'2?i TuC§ori,A�8S�32=.2.218: Pleone Numberr ]-877'362-OI75_Monday through-firiday .AM.- PM CST.TTY Ser4''teesare.also: a.ailaiile. To act ess::Dial 11.1fromtlra�t , inited States or Mal 1-566-280-2050 fram: Puerto:Rco; Fusi�rrnrGer .1-366-940t .8147 Coiithdt,Persorir LiarkAr0Mfl Harflannd {F is Mail-Addresr: markanthcay.b;har!3asdociti:com f AFF'?G ,YPsmiRFFrsSALE-You-shouldrealize.tliataSlieeds'SalaWill end:yoiirowrieashipof'fhemoiYgaged prbpeity.-iihd.your right`fb bccupy it: Iryroil c4titiiiiie toliVe:in ElYa.property alter tlie_��hariffs=Sale,a lawsuit.to rEitiove i i you and ygilr fuiriishi.9s annd-othcr Fielongih.gg.db6 d be'staiteif bythe lender iit ahy.t%ine. } .ASSi"i�i12'3I0N OF.III0RTGAGE-You•nlaT•not sell.or transferyour home,to a.huyer.or transferee Whn wrilt assume ttiemortgage dcK-.'Pi&dded that°:all.theaatstanding,payments,dhargest�ndnlforsiey's fees.snd:costs are paid,pi'iofto } or at-illosale and.that-othcrropifements of tlie:raottgap are-satisfied. - i YOV AMY ASE} 7.4T THELIGHT: i TO SEI L TITE�'AOI?EKTYT0 OBTAIN tv1(3I�EY•TO 'AY Ol F`FHE ivlORTWAGE DE$T OR TO BORROW IMM3MN FRt7I zA;O`IHM-.LENDTFG.INSTn"OTIONTO'PAY OFF THIS DEBT: x TO HAVE-THIS-DEFAULT CUM BY ANY-THIRDYARTY ACTING.014 YOUP B HALF.. 41 TOHA`%TflE-NIOR.TdA'GERPST:OR9DITOTI'TES:bi&POS_iTIONAS.:IPNO:DEFAY7PIGH TTO AD i OCCURRED,IF YOU-CMI-THEDEFA'(JLM {HOWEGEIf,YOCIl]Q'NfJTI� VE'FNTSCGH t c.Tr�YQvx DEFA�tI.:T HiQ»E°MTkNxil~:TIM>;s.7N-ArrY CALErmARY9M} *: TOASSERT ' ' ORECI;(7SREILOGEEb]I�TGOftAW OTHER l tMSUIT INSTITMED'UNDE THE MORTGAGE DOz UMBNTS. x: T.OASSEI2T.Al�T�'07I�TtDk?F�I�S> YOU3ELlEVEy'_0`a AYHA'VE:TO SUCHAG7TONBY i"1� L•ENDEP, a -TO SEEK PROTECTION UNDER THE FEDERALBANKRUPTCY I.AW. 1 i F CMPPACT91 7116 90b6 92% 'did .6439. f Page Ei dr9 i r CONSLii E CREDIT'COUiVSEL1'NG A:GElV-CI£S SERMG YOUR COUNTY:C"IN BE LOC4TE72'Ojy TA'E Mefir-,D aST Tu grxtirdauce.wifhtha.Fa[r:Debf.Cofl�€ion=P"ractices.Act,Title IS;U,S.V:I612(i�);you may dispute fhe vatitiitq:of this. debt;:or eny.. 6rtioa tfzereg.if:}+ott"do'sq;u? ziting within thirty{3.0).aa}rs after the:recpapt of tliis`aotice.If`yon dispute p ihe:uaTidify bft}iisdeliE;dr any potkoii.Ehereof;within fhis fhirty.(30)da} Period.}ve wilt provide}nu a1Eli written vrYYf caEiun there-0f,'•�thertvise the debt��ll tr:asstitiiied to be:valid. Sincerely; Giii\Rortgage,'Inc. P,O:-.13oY 12218 Tii&ioii,AZ.8573?=2218: I I j k 7 i t i i } -GITiPAACTSi 716.9066 9246 ?W 6433 i. I HEMAP Consumer:Credif C'ounseling-Agencics YORK Ni ity Itipi;�t3sc:npd5t�:o�lzoiwl3o�3e PFS .Advasitne Credit CounselingServiceIMCS 6ESi'esE M PA ridvanfage•'Ciedit.Counseling ServlerlCCCS df��esfernPA 2000-UnglestoNvilToad 5i Clover IiIlRoad• Hari sborg,PA 17-10 Dzllastowu;Fi1' 17313 J 883-541.4227 Bad,-Inc: Housing AlUaare of York/Y73ousing 1Zmources 447Southhdnco.Street 2901(ese 4a7k�@StreeC. L=caster;:PA_17603 Yo]k,Vk,L740L 711='V2•Stb7 717=855=2752 hilhterfaith Conmtunii<yFrogramsIne I d0$Iligli.Su t Geuysfiivg,FA,17325 7I7=33d�15i3 f f i i f s 1 1 I E I I { j E I I i i E i f t t f I l E HZ Pa e$of9. 7t96: 9016 1296 7432 6483 S S i i 1 HE--M.A..P-Consumer-Credit Couns6lin A° eii cies C1 ERLAND°'Coulity R.pa hst.opU&O-VZD015MIS PM -ldvantaae.Credit Coiwse]enb Serviee/CCC5 of°�Vasfern.Eei Community°Action=Cbmmission.ofCapital Regforn 2000LinglestownRoutfi 1514I7eriy.Strwt fta sburg,_VA 171'02 I-lain sbu#,.PA I7164 8M-S 11 2227 717-232 9757 Housing-Alliance of'YorW Housing Resources 1Sarnnatha: 290:N'Test-Market-Street. 43 Philadelphia Avenue York,PA-17441: Aaynesborc,PA.17268 7I 7855 2752 71.7462_3235 I PathStone Corporation Pathstone Corporation 16259ordi rontst. 450-Cleveland.Ave, Hii iisbvrg,rPA.1702. Cha ii 4OU&g,PA 117201. 717-234--6616 717-266-5913 P.,AXIiitormth CoinmpuitvProgrumslnC! P :4 -47017x-3-9i-;-t5Sim3 7211:1,.N?b8o0-'h�F�r0on85t0ie0e-3t 4.: ee7Gettpsbia ;PA 17375 Pagdf9 r iy ! iiIIs i 71.969406 5296 701a'.6.433 I t ' I z a VERIFICATION hereby states that he/s]r,is VL�-_(Z"y of Fay Servicing As Attorney in Fact for Christiana Trust,a Division of Wilmington Savings Fund Society, FSB,as Trustee for GFT Mortgage Loan Trust, Series 2013-1, Plaintiff in this matter,that he/she is authorized to make this Verification,and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my knowledge, information or belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa C.S. Sec 4904 relating to unsworn falsification to authorities. Name: Date: '911-7 / /V- Title:. VTitle: �C A� Fay Servicing as Attorney in Fact for Christiana Trust, a Division of Wilmington Savings Fund Society, FSB, as Trustee for GFT Mortgage Loan Trust, Series 2013-1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson r LE0-O -t' CE Sheriff .., l.lf ! HE PROTNOHt. TMR ;` Jody S Smith Chief Deputy Richard W Stewart Solicitor OFF -ICE QF Tw§ VEF,EF:F 2 I4 NOV -3 PH 3:56 CUMBERLAND COUNTY PENNSYLVANIA Christiana Trust vs. Case Number Edward S Hatcher 2014-5662 SHERIFF'S RETURN OF SERVICE 10/21/2014 06:39 PM - Deputy Jamie DiMartile, 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: Edward S Hatcher at 6 South St. Johns Road n/k/a 906 South St. Johns Road, Lower Allen, Camp Hill, PA 17011. IE DIMARTILE, DEPUTY SHERIFF COST: $61.90 SO ANSWERS, October 22, 2014 RONNf R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teleosoft, Inc. 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 CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 440 SOUTH LASALLE STREET CHICAGO, IL 60605 vs. EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 ZIP 5 1i /L 11: 26 ,kip, RL r t NNS Yl V+NIA '" s. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-5662 CIVIL PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: c,,, 1;14 cls#36L0 3I c01 NA, , Aka— t Kindly enter judgment in favor of the Plaintiff and against EDWARD S. HATCHER , Defendant(s) for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As Set forth in Complaint $92331.36 Interest 08/31/2014 to 12/18/2014 1016.40 TOTAL $93347.76 I hereby certify that (1) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance Awith Rule 23 .1, copy attached. Damages are hereby assessed as indicated. DATE: Powers, irn & Associates, LL ❑Jill anuel-Coughlin, Esquire ./Id. No. 63252 ❑J anta Pekalska, Esquire, Id. No. 307968 arry B. Reese, Esquire, Id. No. 310501 EDaniel C. Fanaselle, Esquire, Id. No. 312292 ❑Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY C.:tworrio Christiana Trust vs. Edward S Hatcher Case Number 2014-5662 SHERIFF'S RETURN OF SERVICE 10/21/2014 06:39 PM - Deputy Jamie DiMartile, 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: Edward S Hatcher at 6 South St. Johns Road nfk/a 906 South St. Johns Road, Lower Allen. Camp Hill, PA 17011. SHERIFF COST: $61.90 -? QK\u'u CftEk7 JA IE DIMARTILE, DEPUTY SO ANSWERS, October 22, 2014 RONNY R ANDERSON, SHERIFF C COuilf 'cr..: , 13-1135 POWERS KIRN & ASSOCIATES, LLC JILL ,\1ANUEL-0000I ILIN. ESQUIRE ID, NO, 63252 JOLANTA PEKALSK.A, ESQUIRE II). NO. 307968 HARRY 13. REESE, ESQUIRE, ID. NO. 310501 DANIEL C. 1'ANASEI,LIi, ESQUIRE ID. NO. 312292 MATTHEW .1. MCDONNEL.L, ESQUIRE ID. NO. 313549 EIGHT NE.StlAMINY INTI RPLEX. SUITE 215 TREVOSE, PA 19053 TELEPHONE: 215-942-2090 ATTORNEYS FOR .PLAT FAY SERVICING, LLC TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GET MORTGAGE LOAN TRUST_, SERIES 2013-1 VS, EDIVARD S. HATCHER PLAINTIFF DEFENDANT EDIVARD s. HATci'IER 6 SOUTH S'I'. J01INS ROAD N/K/A 906 SOUTl1 S'I'. JOHNS ROAD (.OWER ALLEN CAMP HILL, PA 17011 DATE Of NOTICE: NOVEMBER VI— . 2014 IN THE COURT OE COMMON PLEAS CUMBERLAND COUNTY NO. 14-S662 CIVIL NOTICE, RULE 237.1 IMPORTANT NOTICE You are in default because you have failed to take action required by you in this case. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. if you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. MidPenn Legal Services 8 Irvine Row Carlisle, PA 17013 - Phone: 717-243-9400 Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 - Phone: 717-249-3166 Powers, K.irn & Associates, LLC o Jill ivlanuei-Coughlin, Esquire Id. No. 63252 o Jolanta Pekalska, Esquire Id. No. 307968 o Harry B. Reese, Esquire 1d. No. 310501 O Daniel C. Fanasellc, Esquire Id. No. 3122920 Matthew J. McDonnell, Esquire Id. No. 313549 listed se encuentra en estado de rebcldia poi. no haber tornado la action requiida de su parte en este caso. AI no tomar la accion debida dentro de un termino de diez (10) dias de esta. notification, el tribunal podra, sin necesidad de comparareccr Listed en carte o escuchar prueba alguna, dicuur sentencia en su contra, usted puede perdcr bienes y otros dcrcchos importantes. Debe Ilevar esta notification a un abogado immediatemente si Listed no bene abogado, o si no ticne diinero sulicicnte para tal scrvicio, vaya en persona o (lame pot. telpfono a la. oficina, cuya direccion se cncuentra esci ita abalo para avcriguar donde se puede conseguir assistencia Ictal. "NOTICE PURSUANT TO FAIR DEBT COLLECTION PR.A.CT.ICES ACT THIS IS AN ATTEMPT TO COLLEC'.I' A DEIST AND ANY INFORMATION OBTAINED \VILL BE USED FOR.THAT PURPOSE" 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 CHRISTIANA TRUST, A DIVISON OF COURT OF COMMON PLEAS WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT CUMBERLAND COUNTY MORTGAGE LOAN TRUST, SERIES 2013-1 No.: 145662 CIVIL vs. EDWARD S. HATCHER VERIFICATION OF NON-MILITARY SERVICE The undersigned , Esquire, hereby verifies that he/she is attorney for the Plaintiff in the above -captioned matter, and that on information and belief, he/she has knowledge of the following facts, to wit: (a) Defendant(s), EDWARD S. HATCHER , is/are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act, 50 U.S.C.S. Appx. §§ 501 et. seq. (b) Defendant, EDWARD S. HATCHER , is over 18 years of age, and resides at 6 SOUTH ST JOHNS ROAD, CAMP HILL, PA 17011. (c) Plaintiff, CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1, is an institution conducting business under the Laws of the Commonwealth of Pennsylvania with an address of 440 SOUTH LASALLE STREET, CHICAGO, IL 60605. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. s, Kirn & Associat , LLC 1 Manuel -Coughlin, Est ire Id. No. 63252 ❑J9Nanta Pekalska, Esquire, ld. No. 307968 arry B. Reese, Esquire, Id. No. 310501 ❑Daniel C. Fanaselle, Esquire, Id. No. 312292 Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff Department of Defense Manpower Data Center Status Report Pursuant to Servicemcmbers Civil Relief Act Last Name: HATCHER First Name: EDWARD Middle Name: S Active Duty Status As Of: Dec -18-2014 Results as of : Dec -18-2014 11:56:54 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the Individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Das of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No' NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NANo NA This response reflects whether the Individual or his/her unit has received eady notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: 31 CAS001 H1 EF700 Department of Defense Manpower Data Center Status Report Pursuant to ,Se comemb r Civil Relief Act. Last Name: HATCHER First Name: EDWARD Middle Name: Active Duty Status As Of: Dec -18-2014 Results as of : Dec -18-2014 11:55:13 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Das of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA ' NA 'No r NA This response reflects whether the Individual or hisfher unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the UniformedServices (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: L184J04171D9V30 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS TO: EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 vs. EDWARD S. HATCHER Plaintiff Defendant(s) COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-5662 CIVIL NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession by Default _ Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: fart L—�,-i' ATTORNEY: Powers, Kirn & Associates, LLC at this telephone number: (215) 942-2090. COMMONWEALTH OF PENNSYLVANIA;", COUNTY OF CUMBERLAND t CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 440 SOUTH LASALLE STREET CHICAGO, IL 60605 vs. EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 4 hi I CUN EPLAND CO PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-$662 CIVIL PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly issue Writ of Execution in the above matter. Amount Due Interest from 12/19/2014 to Date of Sale @ $15.34 per diem Subtotal (Costs to be added) f L 66" pL' 7 $93,347.76 $2,546.44 $95,894.20 ers, Kirn & Assoc'ates, LLC Ohl /Manuel -Coughlin, Esquire Id. No. 63252 ❑ lanta 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 Attorneys for Plaintiff Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 Co (215) 942-2090 December 18, 2014 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S): EDWARD S. HATCHER PLAINTIFF/SELLER: CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 DEFENDANT(S): EDWARD S. HATCHER PROPERTY: 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 CUMBERLAND C.C.P. NO. 14-662 CIVIL The above captioned property is scheduled to be sold at Sheriffs Sale on JUNE 03, 2015 at 10:00 A.M., in the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013. You may hold a judgment on the property, which may be extinguished by the sale. You may wish to attend the Sheriff's Sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. Powers, Kirn & Associates, LLC Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 (215) 942-2090 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 CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 vs. EDWARD S. HATCHER 2:115 J[ 14 fig; I I : CIJMB f LAND GOUT ;,. PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 144662 CIVIL CERTIFICATION TO SHERIFF OF CUMBERLAND COUNTY AS TO THE SALE OF REAL ESTATE I hereby certify that I am the attorney for the Plaintiff in this Mortgage Foreclosure Action and further certify this Property is: FHA Tenant Occupied Vacant Commercial As a result of Complaint in Assumpsit Act 91 complied with Powers irn & Associates, LLC Ohl/Manuel-Coughlin, Esquire Id. No. 63252 ❑J Tanta Pekalska, Esquire, Id. No. 307968 arry B. Reese, Esquire, Id. No. 310501 ❑Daniel C. Fanaselle, Esquire, Id. No. 312292 ❑Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-S x662 CIVIL vs. EDWARD S. HATCHER AFFIDAVIT PURSUANT TO RULE 3129.1 7.10 sv Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 6 SOUTH ST JOHNS ROAD, CAMP HILL, PA 17011: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 2. Name and address of Defendant(s) in the judgment: EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name LOWER ALLEN TWP LOWER ALLEN TWP Last Known Address (if address cannot be reasonably ascertained, please indicate) 120 LIMEKILN RD NEW CUMERLAND, PA 17070 2233 GETTYSBURG RD CAMP HILL, PA 17011 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. CITIMORTGAGE, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations Cumberland County Tax Claim Bureau PA Department of Public Welfare Bureau of Child Support Enforcement 13 North Hanover Street P.O. Box 320 Carlisle, PA 17013 1 Courthouse Square Old Courthouse, Room 106 Carlisle, PA 17013 Health and Welfare Building — Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn fat ification to authorities. 7 Powej, & Associates, LLC' ❑Jill anuel-Coughlin, Esquire'iId. No. 63252 ❑J anta Pekalska, Esquire, Id. No. 307968 arry B. Reese, Esquire, Id. No. 310501 EDaniel C. Fanaselle, Esquire, Id. No. 312292 ❑Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff December 18, 2014 POWERS, KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE ld. 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 CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-5662 CIVIL vs. EDWARD S. HATCHER NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: EDWARD S. HATCHER 6 SOUTH ST JOHNS ROAD CAMP HILL, PA 17011 Your house (real estate) at 6 SOUTH ST JOHNS ROAD, CAMP HILL, PA 17011, is scheduled to be sold at Sheriffs Sale on JUNE 03, 2015 at 10:00 A.M., in the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $93,347.76, obtained by CHRISTIANA TRUST, A DIVISON OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1, against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-2090. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-2090. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Powers, Kirn & Associates, LLC at (215) 942-2090. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 ALL THAT CERTAIN PIECE OR PARCEL OF LAND, SITUATE IN LOWER ALLEN TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED ACCORDING TO A SURVEY MADE BY GERRIT J. BETZ, REGISTERED SURVEYOR, DATED FEBRUARY 14, 1974, AS FOLLOWS, TO WIT: BEGINNING AT A HUB ON THE WESTERLY SIDE OF ST. JOHN'S CHURCH ROAD AT THE CORNER OF LAND NOW OR FOMERLY OF RALPH W. SEIFERT, SAID POINT BEING MEASURED ALONG THE SAID SIDE OF ST. JOHN'S CHURCH ROAD, 130 FEET SOUTH OF THE SOUTHWESTERLY CORNER OF OLD GETTYSBURG PIKE AND ST. JOHN'S CHURCH ROAD; THENCE EXTENDING FROMSAID POINT BEGINNING AND ALONG THE SAID SIDE OF ST. JOHN'S CHURCH ROAD, SOUTH 35 DEGREES 03 MINUTES EAST THE DISTANCE OF 66.0 FEET TO A HUB AT THE CORNER OF LANDS NOW OR FORMERLY OF HARRY A. ELLINGER; THENCE ALONG LANDS NOW OR FORMERLY OF HARRY A. ELLINGER, SOUTH 54 DEGREES 57 MINTUES WEST OF THE DISTANCE OF 120.0 FEET TO A HUB AT THE CORNER OF LANDS NOW OR FORMERLY OF EDGAR H. ANDERSON; THENCE ALONG LANDS NOW OR FORMERLY OF EDGAR H. ANDERSON, NORTH 35 DEGREES 03 MINUTES WEST THE DISTANCE OF 33.45 FEET TO A HUB; THENCE ALONG THE SAME, NORTH 11 DEGREES 54 MINUTES EAST THE DISTANCE OF 47.77 FEET TO A POINT AT THE CORNER OF LANDS NOW OR FORMERLY OF RALPH. L. W. SEIFERT; THENCE ALONG LANDS NOW OR FORMERLY OF RALPH L.W SEIFERT, NORTH54 DEGREES 57 MINUTES EAST THE DISTANCE OF 85.0 FOOT TO A POINT, THE PLACE OF BEGINNING. BEING THE SAME PREMISES which Edward S. Hatcher and Sherry Booker -Hatcher, by Deed dated February 23, 2007 and recorded March 23, 2007 in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book Volume 279, Page 1825, granted and conveyed unto EDWARD S. HATCHER . BEING KNOWN AS: 6 SOUTH ST JOHNS ROAD, CAMP HILL, PA 17011 PARCEL #13-24-0799-057 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717)240-6195 www.ccpa.net CHRISTIANA TRUST, A DIVISION OF WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE FOR GFT MORTGAGE LOAN TRUST, SERIES 2013-1 Vs. NO 14-5662 Civil Term CIVIL ACTION — LAW EDWARD S. HATCHER WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: 93,347.76 L.L.: $.50 Interest FROM 12/19/2014 TO DATE OF SALE @ $15.34 PER DIEM - $2,546.44 Atty's Comm: Atty Paid: $222.65 Plaintiff Paid: Date: 01/14/2015 • (Seal) Due Prothy: $2.25 Other Costs: TO BE ADDED David D. Buell, Prothonotary Deputy REQUESTING PARTY: Name: Harry B. Reese. Esq. Address: Powers, Kirn & Associates, LLC, Eight Neshaminy Interplex, Suite 215, Trevose, PA 19053 Attorney for: Plaintiff Telephone: 215-942-2090 Supreme Court ID No. 310501