HomeMy WebLinkAbout14-6397 •r Supreme CQur;�of'RennsvIvania
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Con r�`OI�Cotnlms_rleas For Prothonotary Use Only:
Nil'.6 ie�Sh�eet
� ,a Docket No: .
-- CUM(3�RLANIj't � County ,tire,
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The information collected on this form is used.solely for covert administration purposes. This fibrin does not
supplement or replace thefiling and service of pleadings or other papers as required by law or rules of court.
Commencement of Action:
S Complaint 0 Writ of Summons 0 Petition
E Transfer from Another Jurisdiction 0 Declaration of Taking
C Lead Plaintiff s Name: Lead Defendant's Name:
U.S. BANK NATIONAL ASSOCIATION DEEANNA D. POMPEO
T
Dollar Amount Requested: Owithin arbitration limits
I Are money damages requested? Yes No (check one) fix'outside arbitration limits
O
N Is this a Class Action Suit? -3 Yes El No Is this an MDJAppeal? 0 Yes R No
A Name of Plaintiff/Appellant's Attorney: POWERS, KIRN&ASSOCIATES, LLC.
Check here if you have no attorney(are a Self-Represented [Pro Se[ Litigant)
Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim,check the one that
you consider most important.
TORT(do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS
0 Intentional l Buyer Plaintiff Administrative Agencies
0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment
0 Motor Vehicle Debt Collection: Other El Board of Elections
Nuisance 0 Dept.of Transportation
Premises Liability 0 Statutory Appeal:Other
S Product Liability(does not include
�Employment Dispute:
mass tort)
Slander/Libel/Defamation Discrimination
C 0 Other: Employment Dispute:Other C! Zoning Board
T M Other:
I 0 Other:
d MASS TORT
0 Asbestos
N I Tobacco
i0 Toxic Tort-DES
0 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS
0 Toxic Waste
'-
® Other: l Ejectment 0 Common Law/Statutory Arbitration
B0 Eminent Domain/Condemnation 0 Declaratory Judgment
0 Ground Rent 0 Mandamus
0 Landlord/Tenant Dispute 0 Non-Domestic Relations
[x Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABLITY Mortgage Foreclosure:Commercial 0 Quo Warranto
0 Dental 0 Partition 0 Replevin
0 Legal 0 Quiet Title 0 Other:
0 Medical 0 Other:
0 Other Professional:
Updated 1/7/2011
POWERS,KIRN&ASSOCIATES,LLC
Jill Manuel-Coughlin,Esquire Id. No. 63252
Jolanta Pekalska,Esquire Id.No. 307968 CjF
Harry B. Reese, Esquire Id. No. 310501
Daniel C. Fanasell, Esquire Id.No. 312292
Matthew J. McDonnell,Esquire Id.No. 313549
1310 Industrial Boulevard, Suite 101
D C'Oiu;'
Southampton, PA 18966
Telephone: 215-942-2090 ATTORNEYS FOR PLAINTIFF
U.S. BANK NATIONAL ASSOCIATION COURT OF COMMON PL-EAS
4801 FREDERICA STREET
OWENSBORO, KY 42301 CIVIL DIVISION
PLAINTIFF
VS. CUMBERLAND COLr
DEEANNA D POMPEO No. q-
RONALD D POMPEO A/K/A COMPLAINT IN
RONALD D POMPEO, JR. MORTGAGE FORECLOSURE
1298 BRANDT ROAD
MECHANICSBURG,PA 17055
DEFENDANTS
NOTICE
You have been sued in Court. Ifyou 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 ajudgment
may be entered against you by the Court without further notice for any money claimed in the complaint or for
any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important
to you.
YOU SHOULD TAKE THIS PAPER TO YOUR 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
800-990-9108
04Y.-A 1s .-7 S
IL-9 35
2 3i mos
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.
#13-0424
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. Fanasell, Esquire Id.No. 312292
Matthew J. McDonnell, Esquire Id. No. 313549
1310 Industrial Boulevard, Suite 101
Southampton,PA 18966
Telephone: 215-942-2090 ATTORNEYS FOR PLAINTIFF
U.S. BANK NATIONAL ASSOCIATION COURT OF COMMON PLEAS
4801 FREDERICA STREET
OWENSBORO, KY 42301 CIVIL DIVISION
PLAINTIFF
VS. CUMBERLAND COUNTY
No.
DEEANNA D POMPEO
RONALD D POMPEO A/K/A COMPLAINT IN
RONALD D POMPEO, JR. MORTGAGE FORECLOSURE
1298 BRANDT ROAD
MECHANICSBURG, PA 17055
DEFENDANTS
CIVIL ACTION MORTGAGE FORECLOSURE
1. U.S.Bank National Association (hereinafter referred to as "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 hereof.
2. Upon information and belief,Deeanna D Pompeo and Ronald D Pompeo a/k/a Ronald D
Pompeo, Jr. (hereinafter referred to as Defendants)are adult individuals residing at 5 Penny Lane,
Carlisle, PA 17013.
3. Plaintiff brings this action to foreclose on the mortgage between Deeanna D Pompeo and Ronald
D Pompeo a/k/a Ronald D Pompeo, Jr. and itself as Mortgagee by Assignment. The Mortgage
dated December 27, 2010,was recorded on February 1, 2011 in the Office of the Recorder of
Deeds in Cumberland County in Instrument Number 201103775. Plaintiff is the Mortgagee by
Assignment by virtue of the following Assignment: Mortgage Electronic Registration Systems,
Inc.As Nominee For Members First Federal Credit Union assigned its note and mortgage to U.S.
Bank National Association recorded on April 15, 2013 in Assignment Book 201311929 in the
Office of the Recorder of Deeds in Cumberland County. A copy of the Mortgage and Assignment
of Mortgage are attached and made a part hereof as Exhibits 'A'and 'B', respectively.
4. The Mortgage secures the indebtedness of a Note executed by Deeanna D Pompeo and Ronald D
y
Pompeo a/k/a Ronald D Pompeo, Jr. on December 27,2010 in the original principal amount of
$187,000.00 payable to Plaintiff in monthly installments with an interest rate of 4.1250%. A
copy of the Note is attached and made a part hereof as Exhibit'C'.
5. The land subject to the mortgage is 1298 Brandt Road, Mechanicsburg, PA 17055. A copy of
the Legal Description is attached as part of the Mortgage as Exhibit'A'and incorporated herein.
6. Ronald D Pompeo a/k/a Ronald D Pompeo, Jr. and Deeanna D Pompeo are the Record Owners of
the mortgaged property located at 1298 Brandt Road,Mechanicsburg,PA 17055.
7. The Mortgage is now in default due to the failure of Defendants to make payments as they
become due and owing. As a result of the default,the following amounts are due:
Principal Balance $180,705.02
Interest to 8/29/2014 $12,995.22
Accumulated Late Charges $181.28
Escrow Advance $4,895.54
Other Fees $30.00
Recoverable Balance $3,247.90
TOTAL $204,054.96
plus interest from 8/30/2014.at$20.42 per day, costs of suit and attorney's fees.
8. 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, reas6nable attorney's fees will be charged.
9. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor
with Notice of Intention to Foreclose("Act 6 Notice")41 P.S. Section 403 and Notice of
Homeowners'Emergency Mortgage Assistance("Act 91 Notice")35 P.S. Section 1680.403c.
10. Plaintiff sent the Act 6 and Act 91 Notice to the Defendants by regular and certified mail on
March 6,2013. A copy of the Notice is attached and made a part hereof as Exhibit'D'.
WHEREFORE,Plaintiff requests the Court enter judgment in Mortgage Foreclosure for the sale
of the mortgaged property in Plaintiffs favor and against the Defendants, in the sum of
$204,054.96 together with the interest from 8/30/2014 at$20.42 per day, costs of suit and
attorney's fees.
POWERS, KIRN&ASSOCIATES, LLC
By �—
❑ Jill Manuel-Coughlin, Esquire Id.No. 63252
❑ Jolanta Pekalska,Esquire Id. No. 307968
❑ Harry B. Reese,Esquire Id. No. 310501
-ALDaniel C. Fanaselle,Esquire Id.No. 312292
❑ Matthew J. McDonnell,Esquire Id.No. 313549
Attorneys for Plaintiff
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Prepared By:
Return To:
MEMBERS IST FEDERAL CREDIT UNION
5000 LOUISE DRIVE
MECHANICSBURG, PA 17055
800-283-2328
Parcel Number:22-28-2401-114
Premises: 1298 BRANDT ROAD
MECHANICSBURG, PA 17055
[Space Above US Line For Retarding Data]
MORTGAGE
MIN
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A)"Security Instrument"means this document,which is dated DECEMBER 27TH, 2010
together with all Riders to this document
(B)"Borrower"is DEEANNA D POMPEO AND RONALD D POMPEO, JR., Wife and husband
Borrower is the.mortgagor under this Security Instrument
PENNSYLVANIA-Single Family-Fannie MaWFreddis Mae UNIFORM NNSTRUM ENT WrrH MEAS Form 3039 1lilt
VMP® PA
VMPSA 0
Walters lUux er Fnandai Services ( )(507).00
PNgat of 17
(C) "HERS"is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. NIERS is the mortgagee
under this Security Instrument.MERS is organized and existing under the laws of Delaware,and MERS
has a mailing address of P.O. Box 2026, Flint, MI 48501-2026 and a street address of 3300 S.W. 34th
Avenue,Suite 101,Ocala,FL 34474. The MERS telephone number is(888)679-MERS.
(D)"Lender"is MEMBERS 1ST FEDERAL CREDIT UNION
Lender is a FEDERAL CREDIT UNION
organized and existing under the laws of UNITED STATES OF AMERICA
Lender's address is 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
(E)'Note"means the promissory note signed by Borrower and dated DECEMBER 27TH, 2010
The Note states that Borrower owes Lender ONE HUNDRED EIGHTY SEVEN THOUSAND AND
NO/100.
Dollars
(U.S.S 187,000.00 )plus interest.Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in MI not later than JANUARY 1ST, 2041
(F) "Property"means the property that is described below under the heading"Transfer of Rights in the
Property."
(G)'7,oan"means the debt evidenced by the Note,plus interest, any prepayment charges and late charges
due under the Note,and all sums due under this Security Instrument,plus interest.
(l) 'Riders"means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower[check box as applicable]:
El Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider
0 Balloon Rider Q Planned Unlit Development Rider EJ 1-4 Family Rider
0 VA Rider [J Biweekly Payment Rider []Other(s)[specify]
(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders(that have the effect of law)aswell as all applicable final,
non-appealable judicial opinions.
(3)"Community Association Dues,Fees, and Assessments"means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(K) "Electronic Funds Transfer"means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order,instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller
,u-chine bansacdons, transfors initiated by telcphonc, Hire —=sfers, and eutornated ciearinghe-asc
transfers.
L "Escrow Items"means those items that are described in Section 3
•
PENNSYLVANIA V -Single F=Uy.Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT Wmf MEAS
Form 3038 1/01
Well-Kluwer Financial Service. VMPSA(PA)10g07),00
• Page 2 0 17
(11�'Miscellaneous Proceeds"means any compensation, settlement, award of damages, or proceeds paid
by any third party(other than insurance proceeds paid under the coverages described in Section 5)for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Property; (iii)conveyance in lieu of condemnation; or([v)misrepresentations of, or omissions as to, the
value and/or condition of the Property.
(N)"Mortgage Insurance"means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(0)'Periodic Payment"means the regularly scheduled amount due for(i)principal and interest under the
Note,plus(ii)any amounts under Section 3 of this Security Instrument.
(P) 'VESPA"means the Real Estate Settlement Procedures Act(12 U.S.C. Section 2601 et seq.)and its
implementing regulation, Regulation X(24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter.As used
in this Security Instrument, "RESPA"refers to all requirements and restrictions that are imposed in regard
to a"federally related mortgage Ioan" even if the Loan does not qualify as a"federally related mortgage
loan"under RESPA.
(Q) 'Successor in Interest of Borrower"means any party that has taken title to the Property,whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender:(i)the repayment of the Loan,and all renewals,extensions and
modifications of the Note; and(n) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note.For this purpose, Borrower does hereby mortgage, grant and convey to
MERS(solely as nominee for Lender and Lender's successors and assigns) and to the successors and
assigns of MERS,the following described property located in the COUNTY [Type of Recording Jurisdiction]
Of CUMBERLAND COUNTY
[Name of Recording Jurisdiction]:
SCHEDULE "A" ATTACHED
which currently has the address of
1298 BRANDT ROAD [Street]
MECHANICSBURG [City],Pennsylvania 17055 [Zip Code]
("Property Address"):
PENNSYLVANIA-Single Family-Fennle Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3039 1101
VMP® VMPSA(PA)(0907).00
Wallen Kluwer Financial Services Page 3 of 17
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TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also be covered by this Security Instrument All of the foregoing is referred to in this
Security Instrument as the"Property."Borrower understands and agrees that MFRS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
custom, MERS(as nominee for Lender and Lender's successors and assigns)has the right:to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
Instrument
BORROWER COVENANTS that Borrower is lawfully 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
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands,subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency.However,if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid,Lender 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) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency,instrumentality,or entity;or(d)Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment or.partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the future,but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay
interest on unapplied funds.Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current If Borrower does not do so within a reasonable period of time,Lender shall either apply
such funds or return them to Borrower. If not applied earlier,such funds will be applied to the outstanding
principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender shall relieve Borrower from making payments due under
the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
PEN NSYLVANIA-SlnDle Fungy-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERSForm 9099 1101
VMP® VM P6 too
o0
Wolters Kluwer Finenclal Sorvlcos Page4o 17
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest
due under the Note; (b)principal due under the Note; (c)amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and .
the late charge.If more than one Periodic Payment is outstanding,Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment
can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of
one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary
prepayments shall be applied fust to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date,or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum(the"Funds")to provide for payment of amounts due
for: (a)taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b)leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items."At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds forEscrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver,Borrower shall pay directly,when and where payable,the amounts
due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase"covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item,Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts,that are then required under this Section 3.
PVEMNP®SYLVAN IA.Single Family-Fannia Me.Traddie Mee UNIFORM INSTRUMENT WITH MFRS Form 3039 7101
W DII KI—er Financial Services VMPSA(PA)(0007).00
Pape 5 0 17
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Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and(b)not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality,or entity(including Lender,if Lender is an institution whose deposits are so insured)or in
any Federal Home Loan Bank.Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items,unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge.Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can agree in writing,however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an armual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a'shortage of Funds held in escrow,
as defined under RESPA,Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow,as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA,but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property,if any,and Community Association Dues,Fees, and Assessments, if any.To
the extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a)agrees in writing to the payment of the.obligation secured by the lien in a manner acceptable
to Lender,but only so long as Borrower is performing such agreement; (b)contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument,Lender may give Borrower a notice identifying the
lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
PENNSYLVANIA
M®LVANIA-Sir&Family-Fannie MaelFreddle Mac UNIFOW.f INSTRUMENT WITH MFRS Form 7079 f fOt
VMPOA(PA)(00071.00
W oltars Kluwer Flnenrial Services Page 6 o 17
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Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance.Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term"extended coverage,"and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels)and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
determination, certification and tracking services; or (b)a one-time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
-- insurance that Borrower could have obtained.Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice'from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policies and renewal
certificates. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of,the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
PENNSYLVANIA-Single Family-Fannia MaelFmdcHe Mac UNIFORM INSTRUMENT WITH MFRS Form 9093 7107
VMP40 uwVMPSA(PA)(0907).00
Wallen Kler I'mmdel S-Mlcea
Page 7 of 17
promptly.Lender may disburse proceeds for the repays and restoration in a single payment or in a series
of progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds,Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repay is not economically feasible or Lender's security would be lessened,the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower.Such insurance proceeds shall be applied in the order provided for in
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim,then Lender may negotiate and settle the claim.The 30-day
period will begin when the notice is given. In either event, or if Lender acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by
Borrower)under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property-Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument,whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repay or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause,Lender may inspect the interior of the improvements on the Property.Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
PENNSYLVANIA.Single Family-Fannie MadFroddle Mee UNIFORM INSTRUMENT WITH MFRS Ferm 3030 1101
VM P6A(PAP",19811
pIS607f 00
WMP17® rvc
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8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but arc not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.If
(a)Borrower fails to perform the covenants and agreements contained in this Security Instrument,(b)there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument(such as a proceeding in bankruptcy, probate, for condemnation or forfeiture,for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or(c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but are not limited to: (a)paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks,replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off.Although Lender may take action under this Section 9,Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10.Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect If,for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available,Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect Lender will accept, use and retain these
Payments as a non-refimdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
Pe4NSYLVANIA-Singln FamOy-Fannie MaelFroddie M ac UNIFOFW 1NSTRUM ENT WITH MERS Form 3039 1101
VM P® VM PSA(PA1(09079e9 .07177
Wottm Kluww Financial Se ices Pe0
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance.If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law.Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it
may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk,or reduce losses.These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to
these agreements. These agreements may require the mortgage insurer to make payments using any source
of funds that the mortgage insurer may have available(which may include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or any affiliate of any of the foregoing, may receive(directly or indirectly)amounts that
derive from(or might be characterized as)a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurers risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer,the arrangement is often termed"captive reinsurance."Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance,or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance,and they will not entitle Borrower to any refund.
(b)Any such agreements will not affect the rights Borrower has-if any-with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction,provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single diebu-rsemrnt or in a series Ofprogress payments Ps the work is
completed.Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
PENNSYLVANIA-Single Family-Fannle Maell`mddla Mu UNIFORM INSTRUMFR
9iT WfTH MS Farm 1029 1/0t
VMPOA(PA)(01107).00
VMP43
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Wellen Kluwer Fnegdal Servkaa Pepe 10 e
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Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened,the Miscellaneous Proceeds shall be applied to the 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.
or loss in value of the Property, the Miscellaneous
In the event of a total taking, destruction,
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any,paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a)the total amount of the sums secured immediately before•the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking,destruction,or loss in value.Any balance shall be paid to Borrower.
In the event of a partial taking, destruction,or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Leader otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence)offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given,Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Properly or to the
sums secured by this Security Instrument,whether or not then due."Opposing Party"means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to,Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security Instrument by reason of any demand made by the original
PENNSYLVANIA-Single Family•Fannie Mae/Froddle Mac UNIFORM INSTRUMENT WITH MEAS Form 3070 1101
VMP® weVM PBA1 Al 1080711.00
. Won ars Kluwer Financial Semilea Pepe 1 a 17
Borrower or any Successors in Interest of Borrower.Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Interest of Borrower or in amounts less than the amount then due, shallnot be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Sound.Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several.However,any Borrower who
co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this
Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the
terms of this Security Instrument;(b)is not personally obligated to pay the sums secured by this Security
Instrument; and(c)agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20)and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including,but not limited to,attorneys' fees, property inspection and valuation fees.
In regard to any other fees,the absence of express authority in this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee.Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges,and that law is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted Iimit;and(b)any sums already collected from Borrower which exceeded permitted
limits will he refunded to Borrower. Lender may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to
en mailed by first class mail or when actually delivered to Borrower's
have been given to Borrower wh
notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
Form 3038 tfot
PENNSYLVANIA-Single Family-Fannia M eelFreddle Mac UNIFORM INSTRUMENT WN7N MERS VMP6AIPA1(0807).00
VMP® Pa0e tr of 17
Woitere Khmor Financial Services
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein.unless Lender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b)wards in the singular shall mean and
include the plural and vice versa; and(c)the word"may" gives sole discretion without any obligation to
take any action.
17.Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property"means any legal or beneficial interest in the Property, including,but not limited
to,those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender s prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a)five days before sale of the Property pursuant to any power of sale contained in
this Security Instrument; (b) such other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument Those
conditions are that Borrower: (a) pays Lender 01 sums xhich then would be due under this Security
Instrument and the Note as if no acceleration had occurred;(b)cures any default of any other covenants or
PENNSYLVANIA-SIn91e Family-F—ie Ma./F.ddle Mac UNIFORM INSTRUMENT WITH MFRS Foam 3079 1101
VMP® VMPSA(PA)(09071.00
Wellen Kluwer nnenelal S.M... Pe9e 13 0 17
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agreements;(c)pays all expenses incurred in enforcing this Security Instrument, including,but not limited
to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument;and(d)
takes such action as Lender may reasonably require to assure that Lender's interest in the Property and
rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security
Instrument, shall continue unchanged.Lender may require that Borrower pay such reinstatement sums and
expenses in one or more of the following forms, as selected by Lender: (a) cash; (b)money order; (c)
certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency, instrumentality or entity; or(d)Electronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20.Sale of Note;Change of Loan Servicer;Notice of Grievance. The Note or a partial interest in
the Note(together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note,this Security Instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
Servicer,Borrower will be given written notice of the change which will state the name and address of the
new Loan Servicer, the address to which payments should be made and any other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence,join, or be joined to any judicial action(as either an
individual litigant or the member of a class)that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of,or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party(with such
notice given in compliance with the requirements of Section 15)of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances,pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents,materials containing asbestos or formaldehyde, and radioactive materials;
(b)"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c)"Environmental Cleanup" includes any response
action, remedial action, or removal actLcn, as defined in Environmental Law; and(d)an"Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
1PENNS LVANIA-Single Family-Famnle Mee/Freddle Mae UNIFORM INSTRUMENT WITH MERS Form 3039 1101
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Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property(a)that is in violation of any Environmental
Law,(b)which creates an Environmental Condition,or(c)which, due to the presence,use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the ppresence, use, or storage on the Property of small quantities of
Hazardous Substances that aregenerally.recognized to be appropriate to normal residential uses and to
maintenance of the Property(including,but not limited to,hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of(a)any investigation,claim, demand,lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition,including but not limited to,any spilling,leaking,discharge,release or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for anEnvironmental Cleanup.
NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows:
22.Acceleration;Remedies.Leader shall give notice to Borrower prior to acceleration following
Borrower's breach of any,covenant or agreement in this Security Instrument (but not prior to
acceleration under Section IS unless Applicable Law provides otherwise). Lender shall notify
Borrower of,among other things:(a)the default;(b)the action required to cure the default;(c)when .
the default must be cured; and ( ) that failure to cure the default as specified may result in
acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and
sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration
and the right to assert in the foreclosure proceeding the non-existence of a default or any other
defense of Borrower to acceleration and foreclosure.If the default is not cured as specified,Lender at
its option may require immediate payment in full of all sums secured by this Security Instrument
without further demand and may foreclose this Security Instrument by judicial proceeding. Lender
shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22,
including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by
Applicable Law.
23.Release.Upon payment of all sums secured by this Security Instrument,this Security Instrument
and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge
and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge
Borrower a fee for releasing this Security Instrument,but only if the fee is paid to a third party for services
rendered and the charging of the fee is permitted under Applicable Law.
24.Waivers.Borrower,to the extent permitted by Applicable Law,waives and releases any error or
defects in proceedings to enforce this Secunty Instrument, and hereby waives the benefit of any present or
future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale,
and homestead exemption.
25.Reinstatement Period.Borrower's time toreinstate providedin Section 19 shall extend to one hour
prior to the commencement of bidding at a sheriff s sale or other sale pursuant to this Security Instrument.
26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage.
27. Interest Rate After judgment.Borrower Woes that the interest rale payable at'xr a judgment is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time
under the Note.
PENNSYLVANIA•Single Family-Fannie Mee/Freddie Mac UNIFORM INSTRUMENT WITH M ERS Farm 3039 1101
VM P® VM PSA(PA)(09071.00
Wolters Kluwer Flnandd Services go 15 0�17
A
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
`atLt�.1�.,�_ ���1� (Seal)
DEEANNA D POMPEO -Borrower
(Seal)
RONALD D POMPEOr -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower Borrower
(Seal) (Seal)
-Borrower -Borrower
PENNSYLVANIA-Single Fam9y-Fannie MaelFraddle Mae UNIFORM INSTRUMENT WITH MFRS Farm 3039 1101
VMPW oltxa quw er Financial Services VM POA(P.,(0907).00
Pege 19 sl 17
COMMONWEALTH OF PENNSYLVANIA, CUMBERLANDO County ss:
On this,the 27TH day Of DECEMBER 2010 before me,the
undersigned officer,personally appeared DREANNA D POMPEO AND RONALD D POMPEO, ,JR.
known to me(or
satisfactorily proven)to be the person(s)whose name(s) is/are subscribed to the within instrument and
acknowledged that hetshe/they executed the same for the purposes herein contained.
IN WITNESS WHEREOF,I hereunto set my hand and official seal.
My Commission Expires:
Title of Officer
GiANE M SMITH
Notary Public
MLCFU::1 BURG 110RO,CUIJ)BEI ILCJ2-
C.".y Commission Expues Jun 22.2L
�W
Certificate fvRlesidence {�
�k +/oria �� 1 ,do hereby certify that
the correct address of the within-named Mortgagee is 1550 E AN BLVD, #300
BLOOMINGTON, MN 55425
Witness my hand this 27TH day of DECEMBER 2010
Agent of Mortgagee
PENNSYLVANIA-Single Family-FaMie Mae/Freddie Mac UNIFORM INSTRUMENT Farm 30391101
VMP® VMPS(PA)(09071.00
Waxen Kluwer Financial Services Pagel?0 17
ALTA Loan 1`011cy(6-17-06)
(As~ZfledbyClW17y)
Exhibit A-Legal Description
Policy No.:LP 1723883
ALL those two certain lots of ground,situate In the Township of Monroe,County of Cumberland,and
Commonwealth of Pennsylvania,bounded and described as follows:
BEGINNING at a point in the center of Main Street in the Village of Churchtown and at comer of Lot No.6
on the hereinafter mentioned Plan of Lots;thence along the line of said Lot No.6 North seventy-two(72)
degrees East one hundred slay-seven(167)feet to a point on the western line of a sixteen feet wide
alley;thence along the line of said Alley South eighteen(18)degrees nine(09)minutes East one hundred
(100)feet to a point;thence further along the line of said Ailey South twelve(12)degrees West ninety-
seven and elght-tenths(97.8)feet to a point in the center of a Public Road;thence along the enter of
said Public Road North seventy-eight(78)degrees West one hundred thirty-three(183)feet to an Iron
nail in the center of Main Street aforesaid;thence along the center of said Main Street North eighteen
(18)degrees nine(09)minutes West one hundred fifteen(115)feet to a point In the center of said Main
Street,at the place of beginning.
BEING Lots No.7 and 8 on a Plan of Lots called Allen Heights laid out by the said Harry E.Lichtenberger
and Zora Ellen Lichtenberger,his wife and recorded in the Recorder's Offlce In and for said Cumberland
County,in Plan Book No.3,Page 102.
BEING PARCEL NO.22-28-2401-114
This polity Is Invalid unless the insuring provisions and Schedules A and B are attached.
Ohio Bar Title Insurance Company
A
r
ROBERT P.ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE J
CARLISLE,PA 17013
717-240-6370
_ M
Instrument Number-201103775
Recorded On 2/1/2011 At 9:48:21 AM
*Instrument Type-MORTGAGE Total Pages-19
Invoice Number-81404 User ID-Kw
*Mortgagor-POMPEO,RONALD D JR
*Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC
*Customer-MEMBERS IST
*FEES
STATE WRIT TAX $0.50 Certification Page
STATE JCS/ACCESS TO $23.50
JUSTICE
RECORDING FEES — $39.50 DO NOT DETACH
RECORDER OF DEEDS
PARCEL CERTIFICATION $10.00 This.page is now part
FEES of this legal document.
AFFORDABLE HOUSING $11.50
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3.00
TOTAL PAID $90.00
I Certify this to be recorded
in Cumberland County PA
os ofcu
RECORDER O D DS
"-Information denoted by an asterisk may change during
the verification process and may not be reflected on this page.
0024RM
IIIIIIIIII[II VIII III I III
EXHIBIT `B '
RECORDING REQUESTED
AND PREPARED BY:
U.S.Bank Home Mortgage
809 S.60th Street,Suite 210 043FG(a
West Allis,WI 53214
(866)787-9167
MARY J IRWIN
And When Recorded Mail To:
U.S.Bank Home Mortgage
809 S.60th Street,Suite 210
West Allis,WI 53214
ATTN:MARY JO]IRWIN NL
UPI(PARCEL#)22-28-2401-114
Property.Address::1298 BRANDT.RD,MECAAIVICSBURG,PA 17055-0000.
Space above for Recorder's use
MERE MIN1 11111111111 liilUli UIIII 377
Customer#: Service#:5001AS1 n'f
Loan#.
ASSIGNMENT OF MORTGAGE
For good and valuable consideration;the sufficiency of which is hereby acknowledged,MORTGAGE
ELECTRONIC REGISTRATION SYSTEMS,INC.,C/O P.O.BOX 2026,FLINT,MI 48501-2026,by
these presents does convey,grant,bargain,sell,assign,transfer and set over to:U.S.BANK NATIONAL
ASSOCIATION,4801 FREDERICA STREET,OWENSBORO,KY 42301-0000,the described Mortgage,
together with the certain note(s)described therein with all interest,all liens,and any rights due or to become due
thereon. Said Mortgage for $187,000.00 is recorded in the State of PENNSYLVANIA,Township of
MONROE,County of CUMBERLAND Official Records,dated DECEMBER 27,2010 and recorded on
FEBRUARY 01,2011,as Instrument No.201103775,In Book No.3,at Page No.102.
Original Mortgagor: DEEANNA D POMPEO AND RONALD D POMPEO,JR.,WIFE AND HUSBAND.
Original Mortgagee; MEMBERS IST FEDERAL CREDIT UNION.
Legal Description:'See Attached Exhibit
Loan#:ANEW Srv#: 5001AS1
Page 2
Date:APRIL 08,2013
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC,
By:
Kim Kintop,Assistant ry
State of WISCONSIN }
County of MILWAL E
On APRIL 08,2013,before me, Dorothy Abe Hawley,a Notary.Public,personally.appearedKim KintoA
who acknowledged herselflhimself to be the Assistant Secretaryof MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,INC,who proved to me on the basis of satisfactory evidence to be the person(s)
Whose aame(s)is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the
same in his/her/their authorized capacity(ies)and that by his/her/their signature(s)on the instrument the person(s),
or the entity upon behalf of which the person(s)acted,executed the instrument, I certify under PENALTY OF
PERJURY under the laws ofthe State of WISCONSIN that the foregoing paragraph is true and correct.
Witness my hand and official seal.
(Notary Name):Dorothy Mae$awley 0
Commission Expires: 08/29/2016
Commission No:
I hereby certify that the precise address of the within named assignee is:4801 FREDERICA STREET,
OWENSBORO,KY 42301-0000
By:
Kim Kintop,A st Secretary
�_O�QRY PUg�11(r1,
s i
pOROTHY MAE i
tiALOEV
,,rilhj lFOF W1s�'�?
LEGAL DESCRIPTION
LOAN#
Policy NO.:LP. 1723883
ALL those two certain lots of ground,situate In the Township of Monroe,County of Cumberland,and
Commonwealth of Pennsylvania,bounded and described as follows:
BEGINNING at a point In the center of MainStreet in the Village of 6urchtown and at comer of Lot No.6
on the hereinafter mentioned Plan of Lots;thence along the line of said Lot No.6 North seventy-two(72)
degrees East one hundred sixty-seven(167)feet to a point on the western line of a sixteen feet wide
alley; thence along the line of said Alley South eighteen(18)degrees nine(09)minutes East one hundred
(100)feet to a point;thence further along the line of said Ailey South twelve(12)degrees West ninety,_
seven and eight-tenths(97.8)feet to a point in the center of a Public Road;thence along the center of
said Public Road North seventy-eight(78)degrees West one hundred thirty-three(183)feet to an iron
nail in the center of Main Street aforesaid;thence along the center of said Main Street North eighteen
(18)degrees nine(09)minutes West one hundred fifteen(115)feet to a point in the center of said Main
Street,at the place of beginning.
BEING Lots No.7 and 8 on a Pian of Lots called Allen Heights laid out by the said Harry E Lichtenberger
and Zora Ellen Lichtenberger,his wife and recorded in the Recorder's Office In and for said Cumberland
County,In Plan Book No. 3,Page 102.
BEING PARCEL NO.22-28-2401-114
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTy
1 COURTHOUSE SQUARE -
CARLISLE,PA 17013
717-240-6370 _ ?
Instrument Number-201311929
Recorded On 4/15/2013 At 11:59:18 AM *Total Pages-4
*Instrument Type-ASSIGNMENT OF MORTGAGE
Invoice Number-134202 User ID-BMM
*Mortgagor-POMPEO,RONALD D JR
*Mortgagee-U S BANK N A
*Customer-USBANK
*FEES
STATE WRIT TAX $0.50 Certification Page
STATE JCS/ACCESS TO . $23.50
JUSTICE DO NOT DETACH
RECORDING FEES - $11.50
RECORDER OF DEEDS
PARCEL CERTIFICATION $10.00 This page is now part
FEES of this legal document.
COUNTY ARCHIVES FEE '$2.00
ROD ARCHIVES FEE $3.00
TOTAL PAID $50.50
I Certify this to be recorded
in Cumberland County PA
of a
° RECORDER O
*-Information denoted by an asterisk may change during
the verification process and may not be reflected on this page.
003FGG
Ill(IIIITIIIIIIIiIIf Illillll
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EXHI BIT `C '
NOTE (j
DECEMBER 27TH, 2010 MECHANICSBURG
[Date] PA
[City]
[State]
1298 BRANDT ROAD, MECHANICSBURG, PA 17055
(Property Address]
I. BORROWER'S PROMISE TO PAY
In return for a Ioan that I have received, I promise to pay U.S. $ 187,00o.00 (this amount is called "Principal"),
Plus interest, to the order of the Lender. The Lender is MEMBERS IST FEDERAL CREDIT UNION
I will make all payments under this Note in the form of cash, check or money order.
I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled
to receive payments under this Note is called the"Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the fW] amount of Principal has been paid. I will pay interest at a yearly rate
of 4.125 %.
The interest rate required 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 will pay principal and interest by making a payment every month.
I will make my monthly payment on the 1ST day of each month beginning on FEBRUARY 1ST,2011 . I will
make these payments every month until I have paid all of the principal and interest and any other charges described below that I
may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before
Principal. If, on'JANUARy 1sT, 2041 , I still owe amounts under this Note, I will pay those amounts in .full on that date,
which is called the"Maturity Date."
I will make my monthly payments at 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
or at a different place if required by the Note Holder.
(B)Amount of Monthly Payments
My'monthly payment will be in the amount of U.S. $ 906.30
4. BORROWER'S RIGHT.TO PREPAY
I have the right to make payments of Principal at any time before they are due. A a
"Prepayment." When I make a Prepayment, P yment of Principal only is known as a
I will tell the Note Holder in writing that I am doing so. I may not designate a payment
as a Prepayment if I have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may 1 m Prepayment
the accrued and unpaid interest on the Prepayment amount, before Y ain Y Y p ymeh to
Note. If I make a partial Prepayment, aPP1Y�g my Prepayment to reduce the Principal amount of the
P p yment, there will be no changes is the due date or in the amount of my monthly payment unless the
Note Holder agrees in writing to those changes.
MULTISTATE FIXED RATE NOTE-Single Family-Fannia Maa/Froddia Mae UNIFORM INSTRUMENT
VMP
Wolters Kluwer Financial Services Form 3200 1101
VMP5N(1001).01
Page 1 of 3
5. LOAN CHARGES ru. :
If a lath, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with this loan exceed,the permitted limits, then: (a)any such loan charge
shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b)any sums already collected from me
which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the
Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as
a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A)Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after
the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of
my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B)Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(C)Notice of Default
If I am in default, the Note Holder may send 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 full amount of Principal which has not been paid and allthe
interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to we or delivered
by other means.
(D)No Waiver By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above,
the Note Holder will still have the right to do so if I am in default at a later time.
(E)Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be
paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those
expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NO'T'ICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note
Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class
mail to the Note Holder at the address stated in Section 3(A)above or at a different address if I am given a notice of that different
address.
S. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this
Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also
obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or
endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under
this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of
the amounts owed under this Note.
9. WAIVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor"means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
MULTISTATE FIXED RATE NOTE-Single Family-Fannie M ae/Freddie Mac UNIFORM INSTRUMENT
VMP®
Wolters Kluwer Financial 3200 1/01nancial Services VMP5N(1001)01
Page 2 of 3
IO.� UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the
Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed(the"Security Instrument"), dated the same date as this
Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note.
That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all
amounts I owe under this Note. Some of those conditions are described as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is
not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written
consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security
Instrument without further notice or demand on Borrower.
WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED.
Borrower
��ti�i_1.d7'1��_ �j ���•�''�-� /Z-'z 7'`� %�.��/�.. 1. L'��,,,,.��� �f���7_J v
DEEANNA D POMPEO Date RONALD D POMPEO Date
(Seal) (Seal)
Date Date
(Seal) (Seal)
[Sign Original Only]
Q Refer to the attached Signature Addendum for additional parties and signatures.
Without reoourSG, pay to the order of
U.S. Bank N.A. ;:::ao1r.4;3..
Members 1 st Federal Credit Union
irza
By. (11-osing coordinator
MULTISTATE FIXED RATE NOTE•Single Family•Fannie MaelFraddie Mac UNIFORM INSTRUMENT Form 3200 1101
VMP a VMP5N(1001).01
Wolters Kluwer Financial Services Page 3 of 3
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POMPEO
BAR ID: 24850477
-ACCT: 369-582782 POOL:31451615
NAME:POMPEO
ADDR: 1298 BRANDT ROAD
U.S.Bank Home Mortgage
Illi f�III�IrMI<I�Illlllflll��IIIIIIIIIIIII.
EX-HlBf'T ` D '
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bank®
91 7199 9991 7032 3496 6582
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street ACT 91 NOTICE
P.O.Box 20005 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
Owensboro,KY 42301
Deeanna D Pompeo March 06, 2013
Ronald D Pompeo
5 Penny Lane
Carlifle PA 17013
RE: Loan No.
WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN
ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFOR-
MATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS
NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,
BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mortgage on your home is in default
and the lender intends to foreclose. Specific information about the
nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help
to save your home. This Notice explains how the program works .
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with
you when you meet the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice. If you have
any questions, you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397. (Persons with impaired hearing can call
(717) 780-1869) .
This Notice contains important legal information. If you have any
questions, representatives at the Consumer Credit Counseling Agency
may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help
you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUEDE AFECTA
SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDITAMENTE
LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO (HOMEOWNERS EMERGENCY MORTGAGE
ASSISTANCE PROGRAM) EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA
DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
usbank.com
Member FDIC Lumin
ger
aank®
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
HOMMIRV6®etNAME(S) : Deeanna D Pompeo
P.O.sax 20005 Ronald D Pompeo
Pf CRESS: 1298 Brandt Rd
Mechanicsburg PA 17055
LOAN NO. : e
ORIGINAL LENDER: Lie,t L1
CURRENT LENDER/SERVICER: U. S. Bank Home Mortgage
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT") , YOU MAY BE ELIGIBLE FOR EMERGENCY
MORTGAGE ASSISTANCE.
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
* IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE,
PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty three (33)
days from the date of this Notice. During that time you must arrange
and attend a face-to-face meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING
MUST OCCUR WITHIN THE NEXT (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART
OF THIS NOTICE CALLED (HOW TO CURE YOUR MORTGAGE DEFAULT) EXPLAINS HOW
TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer
credit counseling agencies listed at the end of this notice, the lender
may NOT take action against you for thirty (30) days after the data of
this meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property
is located are set forth at the end of the Notice. It is only necessary
to schedule one face-to-face meeting. Advise your lender immediately
of your intentions .
APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in a default for
the reasons set forth later in this Notice (see following pages for
specific information about the nature of your default. ) If you have
tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's
Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner' s Emergency Assistance Program
Application with one. of .the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will
assist you in submitting a complete application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
xc 273 PA Act 91
usbank.eom Member FDIC
bank® 7
U.S. BANK NATIONAL ASSOCIATION RE: Loan No. T
RESIDENTIAL MORTGAGE DEFAULT MANAGB04T
4801 Frederica Street
P.O.Box 20005
YOUSeTiF9p11(yE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION- Available funds for emergency Mortgage assistance are
very limited. They will be disbursed by the Agency under the
eligibility criteria established by the Act. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision after
it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time
requirements set forth above: . - You will.'be notified directly by
the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS .AN ATTEMPT TO COLLECT THE
DEBT. (IF YOU HAVE FILED BANKRUPTCY YOU CAN STILL APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. )
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) .
NATURE OF THE DEFAULT- The MORTGAGE debt held by the above lender on
your property located at: 1298 Brandt Rd',Mechanicsburg PA 17055
IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE1�G;A)TTHLY MORTGAGE PAYMENTS for the following months
of 1 thru � � and the following amounts are now past due:
Monthly Payments: $ 3547.80
Late Charges: $ 90 .64
NSF Fees: $ .00
Other Fees: $ .00
Suspense Balance: $ . 00
Total Amount To cure default $ 3638.44
HOW TO CURE THE DEFAULT- You may cure the default within THIRTY THREE
(33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST
DUE TO THE LENDER, WHICH IS $ 3638.44, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY THREE (33) DAY
PERIOD. Payments must be made either by cash, certified check or money
order made payable and sent to:
U, S, Bank Home Mortgage
4801 Frederica Street
Owensboro KY 42301
You can cure any other default by taking the following action within
THIRTY THREE (33) DAYS of the date of this letter.
usbank.00m
Member WIC LENDER
bank.
U.S. BANK NATIONAL ASSOCIATION RE: Loan No.
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street
P.O.Box 20005
IRIw13TiCsliBro;(1D4=T CURE THE DEFAULT- If you do not cure the default within
THIRTY THREE (33) DAYS of the date of this Notice, the lender intends
to exercise its rights to accelerate the mortgage debt. This means that
the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made
within THIRTY THREE (33) DAYS, the lender also intends to instruct its
attorney to start legal action to foreclosure upon your mortgage property.
IF THE MORTGAGE IS FORECLOSED UPON- The mortgage property will be sold
by the Sheriff to pay off the mortgage debt. If the lender refers your
case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay
the reasonable attorney's fees that were actually incurred, up to $50.
However, if legal proceedings are started against you, you will have
to pay all reasonable attorney's fees actually incurred by the lender
even if they exceed $50.00. Any attorney's fees will be added to the
amount to the lender which may also include other reasonable costs.
If you cure the default within the THIRTY THREE (33) DAY period, you
will .not be required to pay attorney's fees.
OTHER LENDER REMEDIES- The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not
cured the default within the THIRTY THREE (33) DAY period and fore-
closure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's Sale. You may do so by paying the total amount then past
due, plus any late or other charges then due, reasonable attorney's
fees and costs connected with the foreclosure sale and any other costs .
connected with the Sheriff' s Sale as specified in writing by the
lender and by performing any other requirements under the mortgage.
Curing your default in the manner set forth in this notice will restore
your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE .DATE- It is estimated that the earliest
date that such a Sheriff's Sale of the mortgage property could be held
would be approximately SIX (6) MONTHS from the date of this Notice.
A notice of the actual date of the Sheriff's Sale will be sent to you
before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting -
the lender.
xc 274 PA Act 91 cont. ,
usbank.cam
Member FDIC LENDER
1
oi-
bank.
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street
P.O.Box 20005
Owensboro,KY 42301 RE: Loan No.
HOW TO CONTACT THE LENDER: U. S. Bank Home Mortgage
4801 Frederica Street
Owensboro KY 42301
EFFECT .OF SHERIFF'S SALE- You should realize that a Sheriff 's Sale will
end your ownership of the mortgaged property and your right to occupy
it. _If you continue to live in the property after the Sheriff's Sale,
a lawsuit to remove you and your furnishings and other belongings could
be started by the lender at any time.
ASSUMPTION OF MORTGAGE- You may or may not sell or transfer
your home to a buyer to transferee who will assume the mortgage debt,
provided that all the outstanding payments, charges and attorney's fees
and cost are paid prior to or at the sale and that the other require-
ments of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT.
* TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
* TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE
THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES' IN ANY
CALENDAR YEAR. )
* TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
* TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
* TO SEER PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED
Sincerely,
Loan Administration
Default Reporting
800-365-7900
877-334-045 2
xc 275 PA Act 91
usbank.com =r
Member f-0IC Emma
•
HEMAP Consumer Cur 'di-t CoiinseUng Agencies
CZIMEERLAND County
Repoitlas;update&-11!291201205:42PM
Advantage Credit Counseling Service/CCCS of Western PA
1514 ey Sireeton Commission of Capital Region
2000 Linglestown Road Harrisburg,PA 17104
Harrisburg,PA 17102
888-511-2227 717-232-9757
'Housing Alliance of YorJOY Housing Resources Maranatha . .
2 43 Philadelphia Avenue
90 West Market Street
York,PA 17401 Waynesboro,PA 17268
717-855-2752 717-762-32B5
PA Interfaith Community Programs IncPHFA
40 B High Street 211 North Front Street
Gettysburg,PA 17325 Hairisburg,PA.17110
717-3341518 717-780-3940• -800-342-2397
•
711
bark® -
91 7199 9991 7332 34[16 6551
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street ACT 91 NOTICE
P.O.Box 20005 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
owensboro,KY 42301
Deeanna D Pompeo March 06, 2013
Ronald D Pompeo
1298 Brandt Rd
Mechanicsburg PA 17055
RE: Loan No.
WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN
ATTEMPT TO COLLECT :THE_ INDEBTEDN19SS REFERRED TO HEREIN AND ANY INFOR-
MATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS
NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,
BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mortgage on your home is in default
and the lender intends to foreclose. Specific information about the
nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help
to save your home. This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with
you when you meet the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice. If you have
any questions, you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397. (Persons with impaired hearing can call
(717) 780-1869) .
This Notice contains important legal information. If you have any
questions, representatives at the Consumer Credit Counseling Agency
may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help
you find a lawyer.
LA NOTIFICACION EN AD=TO ES DE SUMA IMPORTANCIA, PUEDE AFECTA
SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDITAMENTE
LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN
PRESTAMO POR .EL PROGRAMA LLANADO (HOMEOWNERS EMERGENCY MORTGAGE
ASSISTANCE PROGRAM) EL CUAL PUEDE SALVAR SU CASA- DE LA FERDIDA
DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
usbank.com
Member r01C i E
Dank®
U.S. BANK NATIONAL ASSOCIATION
RESIDEMIAL MORTGAGE DEFAULT MANAGEMENT
FIOWMONMRStSetNAME(S) : Deeanna D Pompeo
P.O.Box 20005 Ronald D Pompeo
PR99PMqFYy4=RESS: 1298 Brandt Rd
Mechanicsjaurg PA 17055
LOAN NO. : _
ORIGINAL LENDER:
CURRENT LENDER/SERVICER: U. S. Bank Home ,-Mortgage
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT") , YOU MAY BE ELIGIBLE FOR EMERGENCY
MORTGAGE ASSISTANCE.
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
* IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE,
PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUIREMEN'T'S ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty three (33)
days from the date of this Notice. During that time you must arrange
and attend a face-to-face meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING
MUST OCCUR WITHIN THE NEXT (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART
OF THIS NOTICE CALLED (HOW TO CURE YOUR MORTGAGE DEFAULT) EXPLAINS HOW
TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer
credit counseling agencies listed at the end of this notice, the lender
may NOT take action against you for thirty (30) days after the date of
this meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property
is located are set forth at the end of the Notice. It is only necessary
to schedule one face-to-face meeting. Advise your lender immediately
of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in a default for
the reasons set forth later in this Notice (see following pages for
specific information about the nature of your default. ) if you have
tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's
Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program
Application with one .of ,the de-aignated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will
assist you in submitting a complete application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
xc 263 PA Act 91
usbank.com
Member FDIC
Ob
bank.
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street RE: Loan No. r
P.O.Box 20005
Owensboro,KY 42301
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION- Available funds for emergency Mortgage assistance are
very limited. They will be disbursed by the Agency under the
eligibility criteria established by the Act. The Pennsylvania
Housing Finance Agency has sixty (60) days to make a decision after
it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE
DEBT. (IF YOU HAVE FILED BANKRUPTCY YOU CAN STILL APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. )
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) .
NATURE OF THE DEFAULT- The MORTGAGE debt held by the above lender on
your property located at: 1298 Brandt Rd,Mechanicsburg PA 17055
IS SERIOUSLY IN DEFAULT because:
A. YOJ� VE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months
of // thru %1 and the following amounts are now past due:
Monthly Payments: $ 3547.80
Late Charges: $ 90. 64
NSF Fees: $ .00
Other Fees: $ . 00
Suspense Balance: $ . 00
Total Amount To cure default $ 3638 .44
HOW TO CURE THE DEFAULT- You may cure the default within THIRTY THREE
(33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST
DUE TO THE LENDER, WHICH IS $ 3638.44, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY THREE (33) DAY
PERIOD. Payments must be made either by cash, certified check or money
order made payable and sent to:
U. S. Bank Home Mortgage
4801 Frederica Street
Owensboro KY 42301
You can cure any other default by taking the following action within
THIRTY THREE (33) DAYS of the date of this letter.
usbank.com
Member FDtC iFniur�.e
bank.
414PPPPPPP
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street
P.O.Box 20005 RE: Loan N^
Owensboro,KY 42301
IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within
THIRTY THREE (33) DAYS of the date of this Notice, the lender intends
to exercise its .rights to accelerate the mortgage debt. This means that
the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made
within THIRTY THREE (33) DAYS, the lender also intends to instruct its
attorney to start legal action to foreclosure upon your mortgage property.
IF THE MORTGAGE IS. FORECLOSED UPON- The mortgage property will be sold
by the Sheriff to pay off the mortgage debt. If the lender refers your
case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay
the reasonable attorney's fees that were actually incurred, up to $50 .
However, if legal proceedings are started against you, you will have
to pay all reasonable attorney' s fees actually incurred by the lender
even if they exceed $50.00. Any attorney's fees will be added to the
amount to the lender which may also include other reasonable costs.
if you cure the default within the THIRTY THREE (33) DAY period, you
will not be required to pay attorney's fees.
OTHER LENDER REMEDIES- The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- if you have not
cured the default within the THIRTY THREE (33) DAY period and fore-
closure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff 's Sale. You may do so by paying the total amount then past
due, plus any late or other charges then due, reasonable attorney's
fees and costs connected with the foreclosure sale and any other costs
connected with the Sheriff's Sale as specified in writing by the
lender and by performing any other requirements under the mortgage.
Curing your default in the manner set forth in this notice will restore
your mortgage- to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE- It is estimated that the earliest
date that such a Sheriff's Sale of the mortgage property could be held
would be approximately SIX (6) MONTHS from the date of this Notice.
A notice of the actual date of the Sheriff's Sale will be sent to you
before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting
the lender.
xc 264 PA Act 91 cont. ,
usbank.com U
MMUI-DIC LEWE:_
•
bark®
U.S. BANK NATIONAL ASSOCIATION
RESIDENTIAL MORTGAGE DEFAULT MANAGEMENT
4801 Frederica Street
P.O.Box 20005
Owensboro,KY 42301 RE: Loan No.
HOW TO CONTACT THE LANDER: U. S. Bank Home Mortgage
4801 Frederica Street .
Owensboro KY 42301
EFFECT OF SHERIFF'S SALE- You should realize that a Sheriff 's Sale will
end your ownership of the mortgaged property and your right to occupy
it. If you continue to live in the property after the Sheriff's Sale,
a lawsuit to remove you and your furnishings and other belongings could
be started by the lender at any time.
ASSUMPTION OF MORTGAGE- You may or may not sell or transfer
your home to a buyer to transferee who will assume the mortgage debt,
provided that all the outstanding payments, charges and attorney's fees
and cost are paid prior to or at the sale and that the other require-
ments of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
* TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT.
* TO HAVE THIS.DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
* TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE
THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY
CALENDAR YEAR.)
* TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
* TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
* TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED
Sincerely,
Loan Administration
Default Reporting
800-365-7900
xc 265 PA Act 91
usbank.com LJ
Member FDIC LFRnEa
EMAP Compmer Credit Co
a��ise���eneies
CUMBERLAND County
Repoa last update&11!2912012 05:42 FM
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Deny Street
Harrisburg,PA 17102 Harrisburg,PA 17104
888-511-2227 717-232-9757
Housing Alliance of York(Y Housing Resources Maranatha .
290 West Market Street 43 Phl7adelphia Avenue
York,PA 17401 Waynesboro,PA 17268
717-855-2752 717-762-3285
PA Interfaith Community Programs Inc PHFA
40 E High Street 211 North Irront Street
Gettysburg,PA 17325 Harrisburg,PA.17110
717-334-1518 717-780-3940 800-342-397
.
r
w
VERIFICATION
The undersigned hereby states that the statements made in the foregoing pleadings are true and
correct to the best of his/her knowledge,information and belief. The undersigned understands that the
statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn
falsification to authorities.
Heather Jene Patton
Vice President
U.S. Bank National Association
Pompeo, Deeanna D.
13-0424
J
State of Kentucky
County of Daviess
The forego'ng instrument was acknowledged, subscribed, and sworn to before me this
�D.2'Ie by HeatherJene Patton as Vice President of U.S. Bank National Association,
derally chartered banking association,on behalf of U.S. Bank National Association.
(seal)
(signature of notary) �•`' 13ASQ F.ASLER
NOTARY PUSM•KENTUCKY
STATE,AT LARGE
My Comm.Wms Nov.7,2018
State at Large ID 03478051
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson f ;LI_U"'
Sheriff PRO ° li
f EuoiLt,y4
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
OF F'CZ , F Th„ , RIF'
DEC -5 Ml 9:10
u M ENNSYLVO COUN1
U.S. Bank National Assocation
vs.
DeeAnna Pompeo (et al.)
Case Number
2014-6397
SHERIFF'S RETURN OF SERVICE
11/06/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Ronald D Pompeo, but was unable to locate the Defendant in his
bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not
Found" at 1298 Brandt Road, Monroe Township, Mechanicsburg, PA 17055. Per defendant this address
is vacant.
11/06/2014 02:50 PM - Deputy Christopher Sharpe, 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: Ronald D Pompeo at 5 Penny Lane, North Middleton Township,
Carlisle, PA 17013.
CHRIST SER SHARPE, DEPUTY
11/07/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: DeeAnna Pompeo, but was unable to locate the Defendant in his
bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not
Found" at 1298 Brandt Road, Monroe Township, Mechanicsburg, PA 17055. Residence is vacant.
Deputies were advised that the defendant now lives at 103 Village Square, Shermansdale, PA 17090.
11/19/2014 09:38 PM - Deputy Shawn Gutshall, 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: DeeAnna Pompeo at her employment address, Claremont Nursing Home at 1000
Claremont Rd, Carlisle, PA 17013.
SHERIFF COST: $57.56 SO ANSWERS,
November 21, 2014 ROWS' R ANDERSON, SHERIFF
(c) CounlyS uitc Sheriff, Teic-osoii, inc.