Loading...
HomeMy WebLinkAbout14-6954 Supreme Court of Pennsylvania C01W,6�ComPleas 0ForPratlwnotary Use Only, CttaalhQaCounty Docket No: 777c hpformation collected on this forsrr is used.solei ,for court administration prnposes. 77ds,form does not supple»rcni or replace the Wino Viand sen#cec�pleucltngs ur otherpapc�rs as re�rdred by Inr�ur rz�les�(_coza 1. Commencement of Action: ®Complaint ❑ Writ of Summons ❑Petition ❑Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: Federal National Mortgage Association Jason E.Fickett a/k/a Jason Eugene Fickett,et al Dollar Amount Requested: ❑within arbitration limits Are money damages requested? ❑Yes No check one El outside arbitration limits Is this a Class Action Suit? ❑Yes ®No Is this an MWAppeal? ❑Yes ®No =;, A Name of Plaintiff/Appellant's Attorney:Robert W.Williams,Esquire ❑ Cbeck here if you have no attorney(are a Self-Represented lPo Sed 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 r TORT(do not include Mass Tort) CONTRACT(do not include judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment 0otor Vehicle = - ❑ Nuisance ElDebt Collection:Other ❑ Board of Elections ❑ Premises Liability ❑ Dept of Transportation _ ❑ Product Liability(does not include El Statutory Appeal;Other _- mars tort) ❑ Employment Dispute: ❑ Slander/Libel/Defamation Discrimination ❑ Other; ❑ Employment Dispute:Other ❑ Zoning Board ❑ Other. MASS TORT ❑ Other. ::'._:. ❑ Asbestos :;.(jr:+..:' ❑ Tobacco ,; ❑ Toxic Tort DES © Toxic Tort—Implant REAL PROPERTY MISCELLANEOUS El Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration ElEminent Domain/Condemnation ❑ Declaratory Judgment _ ❑ Other. ❑ Ground Rent ❑ Mandamus . ❑ andlord/Tenant Dispute ❑ Non-Domestic Relations Mortgage Foreclosure:Residential Restraining Order = PROFESSIONAL LIABILITY Mortgage Foreclosure:Commercial ❑ Quo Warranto _ [I Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other _ ❑ Other Professional: PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 MILSTEAD&ASSOCIATES, LLC BY: Robert W. Williams,Esquire ID No. 315501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File: 75.37369 Federal National Mortgage Association COURT OF COMMON PLEAS 3900 Wisconsin Avenue NW CUMBERLAND COUNTY Washington,DC 20016-2892, Plaintiff, No.. 14 - 6 j V 1 I�� VS. CIVIL ACTION MORTGAGE Jason E. Fickett a/k/a Jason Eugene Fickett FORECLOSURE 2731 S Rosegarden Blvd Mechanicsburg, PA 17055, and Kelly S.Fickett a/k/a Kelly Shawn Fickett `W 2731 S Rosegarden Blvd T� � -1 Mechanicsburg,PA 17055, Y, Defendants 3 A OMP/34 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle,PA 17013 717-249-3166 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MMSTEAD&ASSOCIATES,LLC BY:Robert W.Williams,Esquire ID No. 315501 1 E. Stove Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff File No. 75.37369 Federal National Mortgage Association COURT OF COMMON PLEAS 3900 Wisconsin Avenue NW CUMBERLAND COUNTY Washington,DC 20016-2892, Plaintiff, Vs. No.. Jason E. Fickett a/k/a Jason Eugene Fickett CIVIL ACTION MORTGAGE 2731 S Rosegarden Blvd FORECLOSURE Mechanicsburg, PA 17055, and f Kelly S. Fickett a/k/a Kelly Shawn Fickett i 2731 S Rosegarden Blvd Mechanicsburg,PA 17055, Defendants ' COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Federal National Mortgage Association(the"Plaintiff'),is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 3900 Wisconsin Avenue NW, , Washington,DC 20016-2892. 2. Defendants,Jason E. Fickett a/k/a Jason Eugene Fickett and Kelly S. Fickett a/k/a Kelly Shawn Fickett, (collectively,the"Defendants"), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated July 3,2006,recorded July 10,2006 in Deed Book 275,Page 2845. The Deed is attached hereto as Exhibit"A"and made a part hereof 3. Defendant Jason E.Fickett a/k/a Jason Eugene Fickett, upon information and belief, resides at 2731 S Rosegarden Blvd,Mechanicsburg,PA 17055. Defendant Kelly S. Fickett a/k/a Kelly Shawn Fickett, upon information and belief, resides at 2731 S Rosegarden Blvd, Mechanicsburg, PA 17055. 4. On July 3,2006, inconsideration of a loan in the principal amount of$190,400.00, Defendants executed and delivered to SunTrust Mortgage Inc. a note(the"Note") with interest thereon at 6.750 percent per annum,payable as to the principal and interest in equal monthly installments of$1,234.94 commencing August 1, 2006. The Note is attached hereto as Exhibit "B" and made a part hereof. 5. To secure the obligations under the Note,the Defendants executed and delivered to Mortgage Electronic Registration Systems Inc. solely as nominee for SunTrust Mortgage Inc. a mortgage(the"Mortgage")dated July 3, 2006,recorded on July 10,2006 in the Department of Records in and for the County of Cumberland under Mortgage Book 1957,Page 4845. The Mortgage is attached hereto as Exhibit"C"and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded October 25, 2013, Under Instrument Number 201334790. The recorded Assignment of Mortgage is attached hereto as Exhibit"D"and made a part hereof. 7. The Mortgage secures the following real property(the"Mortgaged Premises"): 2731 S Rosegarden Blvd,Mechanicsburg,PA 17055. A legal description of the Mortgaged Premises is attached hereto as Exhibit"E" and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due June 1, 2014, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges,escrow deficit(if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ....................................$169,782.02 Accrued but Unpaid Interest from 5/1/2014 to 11/4/2014..................................$5,871.43 Escrow Advance..........................................$1,144.82 Late Charges.....................................................$31.75 Property Inspections......................................:$120.00 Reasonable Attorney's Fees ........................$2,350.00 TOTAL as of 11/04/2014........................$179,300.02 Plus,the following amounts accrued after November 4,2014: Interest at the Rate of 6.750 percent per annum($31.40 per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 2731 S Rosegarden Blvd,Mechanicsburg, PA 17055 as well as to address of residences as listed in paragraph 3 of this document on August 3, 2014,the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit"F"and made a part hereof. WHEREFORE,Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $179,300.02,plus the following amounts accruing after November 4,2014,to the date of judgment: (a)interest of$31.40 per day, (b)late charges per month if applicable, (c)plus interest at the legal rate allowed on judgments after the date of judgment, (d)additional attorney's fees (if any)hereafter incurred, (e)and costs of suit. 7W. SSOCIATES,LLC Date: 'Robeiams,Esquire Aaintiff VERIFICATION i_ica LuForeclosure bbers ,hereby states that he/she is Seterus,Inc, as authorized subservicer for Federal National Mortgage Association, Plaintiff in this matter, that he/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge,information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name: Lisa Lubbers Title: Foreclosure Specialist Seterus, Inc., as authorized subservicer for Federal DATE: ) `� y National Mortgage Association � � _ T� � � File#: 75.37359 Name: Jason E.Fickett a/k/a Jason Eugene Fickett and Kelly S. Fickett a/k/a Kelly Shawn Fickett EXHIBIT "A" (�10ebrt4ldiemudtda ,due RMV +OY: Pr;gE *&Adter,pC R7 P. zj. v cM 2331 MmtjW& t Camp HRl,PA 17011 JUL pn IZ 39 'tom E:rRhd Kett Tt? 1731 Ror prdon goubarrdd M � bnrS,FA 178ft TAXPA$CELNO.: 42,31 Z1&-171 SUND TAX NonCES TOt ola+soa E.strd JW S. RoFkke" 2731 X° rdcu ukvar+d 14tectuenkaber^S,,pA 1705 f9PACL AtW VE Tag ZZU a Von Ulco DE$,g VSE 0mv THIS DRQ MS MFNTM M"R TM �r ill day of $ET'W.E�N ,TF.ISUS �t�l �200b, AttuxucY-iu�ct,Jaa�ue'�err�an,�� $Z anel BA"8A D 1 d hareit Hr~rr d l as the tD Q EZ, his fe, by her AND Wife,hoehafter del'i JAS 0 v "VGM YTC"TT and ny'LY =w as the(Irantees. husband and Thartumd and n ,qM tb4t the Gzatetors for OO/T00 Dallars (�?,3g 000. and in coxesidera4Yr of Qmtom In 00)Y Paid by the , lawful mo TWO 'D�� Taut P"lls, the�ipt whoreaMW� �► at he�� StMes of Ameriees, �f docs by theso Ptrascnts 8r�� acknowlr3d8ed and the Mors � and delivery of these o,,Bell cued 0on"Y unto the Grantees forgive�� fWly ss4lsfied, T CJFRTAIN lot or Zberlarn!arts! lmd Co'Mo4w0alth aP ylvlvanta,sbmnded the To }up of l r Allo Co and de3anbed as follows,to wit, County of DBGXNNING at a low marked �� St) by a�cnoh . herehager mentoned°Plan Which said point is ur t on t��easter lice of hose of Lots; thence eM the sf VWlDte Iitte betw� Lots Nos, t ett Boy�vArd Pisa, Nc 84 de8rees S5,•minutes SS Beeonds�f 4 144-75 bO eed 3 on �, tweet ,Lots Nos, 2 and 3 Of said t0 a point at eoit�pton corner of Lots en�r .PACS, , S��zWcmandezAa�.doo Nos. 1,2 and 16 ori the bereivaftor mentioned P}art of Lots. IVos. 2 and 1 on said Platt, South 27 + themes Nonsg the division line between Lots Eastotn lira of Roseg den Haulevand ass Sti minutes 54 gecimds Vtr the arc of a circle Sou , 167,74 feat to$paint in the dirt'!.,to the rightt, said circle along the same in the Northwcst�ly direction by 117,b2 feet to a point; thence conti B a radius of 1 SO.op 09 degrees 04 minutes 05 s ming along the Easton►fine of Roar , the arc distatrca of line between Lacs Nos, 2 seconds West, 28.00 feet to a garden Boufovwd South,North paiztt and place°f B I2 and TG the hereinafter mentions plm o�� 4°mtment� the dividing above meulicmed at the BEING TIEIE SAME pREMXsES husband, by their deed dated My t 2004 which Louise J, Frsurrde3 and WiWatn far Cumberland Coapt},,P . and recorded in t&c O�Ce of� G. Pmttudcl, her and conveyed udoo Ieaus Hernwaude�ertd B ordod on MY 6,2004,in ° � of Deeds in and arbara b.Haman Deed Book 263,.Page 4966,Mod dez,his wife,the Grantors horcia. UNDER AND S and oth matters of record o C, NZVE,RTRELE55, to AU easomenta restrictions, which aFh1►sicat inspection or 8wey of the prVWesanctueves?, os TOGETIEiER with P�tnises would reveal. a'atensoTO rights, all and '64ular the buildings, liberties, privileges, h�edltmtreute ander, improve Mt Ywise apps ways, woods, Waters, Ptrofrts tltereo 8, and the reversion acrd ra�r aFPurtepapces to the satn,e belonging slid of every Pert v atm} ersions, remainder and remainders ssve or in }�ssessiort,proP�r,claim and dernaud whatsoever o ALSO an the , rents, isspes and to the pis herein described �, C3nantom both in Iagrr light,ftitle, interim list, °n'Pad and parcel thereofwith the lwt3',of,in and To 1"YE AIV') TO IIOLD all and singular theherein � ttnoas. beitameuts and aPptenartcts unto the premises b Grantees and to the Grantoe's proper uso amend together with the MER AND SMjEC.0 acv beneSt forcvt:r, afor0said � �'theloss, to avrt$ip conditions and reatrictions of record as $Fecluli tthe Clantors covenmt that, except as may be herein set farthp and defend the rands and promises, hereditarnou `�'d° and evil} forever conveyed,against the Mors and all other artd aPPurtenanccs hereby any Part thereof,by,from or Ferns lawfully claming the same or der it,them or any of them, to claim the same or In all references heroht to any partio8 gander°r plum}or singular number is intender tInclude ncludnq, one the a ties r oplideiiorrs, the use of as Of the within instrument may dim. Fpropri� Y particular Sander or number as lite text W}�erevar in tdis mstxumertt an ref rce,such deli Y party shall be deli MW or r�eferr in b �iatrat gnaborJ is intended to and shall have the Y Mme or general and ev °m' Pita} °r legal rcProstn�tJves, succeasors=me effect as if the words r executors Y such deeignWon, anif asaigas .had been inso W aftw , each OWN 275 PACE286 S'DoodMemlldOZ and V"TnSS REpp�,the QMto,have hereu to Set tltoir h Y 9rst above writt+e ands and seals.od Dated the day S'Ped,'%"Ivd and In the pre# US "Z B D. �� plkc4 JESTS gERt�by Iter FEZ 'Col"MgONWRALTD OF P S'j'LV�lNIel Com OF CLTMM BE 'T'{kM7E A, that opt , P sa>z ly aApaarcd dein$8era4ndez a>td rovm) .be the PMOM whose names are su D' a rlea,Me wigs, before me the subscnber same for the ParAoses thtreln cotataiatd aonoWr! to (or sansfitctorily cat and aokaowlodSed that they LV WITNESS WBZREOF,I hereeuxta sat my hand and offloial seal, NWE N f+' +SYLVAN ' Pu* No lie '`�v HaM�°�'�nbe►farut Chatty �rt:tn The UxldersigQed 06"'tFds that the precise zrsidomG Pod 001'pletc PastuMac addftss of the Grantdsa is; 2731 Rosagardm evard 6- �,w .Mochaniasbw&PA 170$5 �tkjjlfl P. AR .,.o i i.9; this to be roloo IIxCUMbedd, CD Wed Pq �g v Beds EXHIBIT "B" Loan No.: NOTE MIN.:100010402035327182 July 3,2006 CAMP HILL Pennsylvania [Date] 100j, lSate1 2731 S ROSEGARDEN BLVD,MECHANICSBURG,pA 17055-5310 (PropenyXddress] I. BORROWER'S PROMISE TO PA'Y In return for a loan that I have received,I promise to pay U.S.$190,400.00 (this amount is called"Principal"),plus interest to the order of the Lender. The Lender is:SUNTRUST MORTGAGE,INC. 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 full amount of.Principal has been paid. I will pay interest at a yearly rate of 6.750%. The interest rate required by this Section 2 is the rate I will pay both before and after arW default described in, Section 6(B)of this Note. 3. PAYMENTS (A)Time and Place of Payments I will pay Principal and interest by malting a payment every month. I will make my monthly payment on the Ist day of each month beginning on August,2006. 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, It;on July 1,2036,I still owe amounts.,under this Note,I will pay those amounts in full oa that date which is called the"Maturity bate." I will make my monthly payments at P.O.BOX 79041,BALTIMORE,MD 21279_0041 or at a different place if required by the Note Holder. (B) Amount of Monthly payments My monthlypayment will be in the,amount of U.S,$1,234.94 4. BORROWER'S RIGHT TO PREPAY I have the right to make paymeift of Principal at any time before they are due. A payment of Principal only is Ioaown-as n"Prepayment." WJrcn I mala;a Prepayment,I will tell the Note Harder 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]'repayment 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-apply my Prepayment.to the accrued and unpaid interest omit Prepayment amount,before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial,Prepayment,there wiltbe'•no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. MuldstatanxtdRaicNOto—S3agteFamity—FaunleM icTrcddieM=UmFonmINsMUMENr Form 3200 82/01 THE C0h1PLL%NCBSouRCa,Won— Page r af3 u�.�rnmcwocam naomtu acres . 1f!l�llil�IllIlll!!I!!I�lll�lll�I!!Il1!! lllilll + fflll!!!!! i I I1 , 0 2 0 3 5 3 2 7 0 8 1 B + O O S D + t + 3 ' t 1 LU I J I LUO w , i 5. IRAN CHARGES If a law,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,titer:(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 owo under this Note or by making a direct payment to mm If-a refund reduces Principal,.the reduction will'be treated as a partial Prepayment G. BORROWER'S FAII.URE 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,No'te Holder, The amount of the charge will be 5.000%of ray 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 f 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.all the interest that I owe on that amount That date must beat least 30 days after the,date.on which the notice is mailed to me 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 paidback 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 NOTICES Unless applicable law requires a diflbrent method,any notice that must be-given to me under this Note will be given by delivering it or by marling it by fust 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, 8. 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 anyone 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. 'Tresentment"means the right-to require the Note Holder to demandpayment of amounts due. "Notice of Dishonor"means the right to require the Note Holder to.give-notice to other persons that amounts due have-mot-been paid. Multistate End ItatoNoto SingleFoant FannieMne/FmrdleMarUNIFORMINSTRUMENT Form32000501 —THE-COMPLIANCE Souacs,INC.— Pnrc2 oC3 uwmty Sao tvww.mmpllamvomcnmm Illlllllllllllll SII III l I� 11111117 III 11�i l 111 VIII III 1IR I I + 0 0 3 5 3' 2 7 1 B t 0 0 B D + + 3 1 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Bolder tinder 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 bow and under what conditions I maybe required to make immediate payment in hill 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 it natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,Lender may require immediate payment IV 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 dato.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 pemtitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S)AND SEAL(S)Or THE UNDERSIGNED. V , (Seal) (Seal) .TAfONT'FICKTTT -Bormwe' KELLYS" CKETT -Borrower (Seal) (Seal) Without Recourse -Borowar -Boffomr PAY TO THE ORDER OF (Sign Original Only] SunT��ru~'st MoDrtgage fnc. Deborah P, Elfis,Viae president Multistate Fixed Rate Not"iagicTamiy—Fanalell WFreddioMac UNIFOIi1V-PWREW,NT Forra320D OLOl THE Colles ANce SOURCE,INC.— Page 3 or3 uwmtitr asroo wm•.wmpli.ncaourtzmm III IIIIII11I111(.II � II I Il I ll hill�l���l�l I II I II I I11fll IIIII�I + 0 2• 0 3 5 8 2 7 8 + •0 O B D + 3 + 3 EXHIBIT "C" POVERT 71, Prepared By: SUNTRUST MORTGAGE,INC. [companyNamej =�=& JUL D PM 12 39 [Name of Natural Person] [Street Ad&vss] [Ciro,Slate Zip Code] After recording please return to: SUNTRUST MORTGAGE,INC. [Company Namej RVW 5093 [Name of Natural Person] 1001 SEMMES AVENUE [Street Addressj RICHMOND,VIRGINJA 23224 [City,State Zip Codej UPI/PIN/Tax ID:42-31-2153-171 -----[Spaee Above This Line For Recording pWnJ Loan No.: 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 provid.cd in Section 16. (A) "Security Instrument"means this document, which is dated July 3,2006, together•with all Riders to this document (B) "Borrower" is JASON E FICKETT, ADULT INDIVIDUAL, KELLY S FICKETT, ADULT INDIVIDUAL. Borrower is the mortgagor under this Security Instrument. Pennsylvania Mortgage-Siogle Family-FannieMadFreddle Mae UNIFORM INSTRUMENT MERS Modified Form 303901/01 —'ME COWUANCE SOURCE,INC— Page I of 14 1430MA 0ffi00 Rev,6— w.vr•cu*PInnecou.eewm 111111111111111111111111111111111111111111111 Io 11111 li,II I III 1111111111111111111111MM11 1 + + 0 0 A D + 1 1 4 (C) "MERS"is Mortgage Electronic Registration Systems,Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and*telephone number ofP.O:Box 2026,Flin%M1 48501-2026,tel.(888)679-MERS. (D) "Lender" is SUNTRUST MORTGAGE, INC.. Lender is a corporation organized and existing under the laws of TSE COMMONWEALTH OF VIRGINIA. Lender's address is 901 SEMMES AVENUE, RICHMOND,VA 23224. (E) "Note" means the promissory note signed by Borrower and dated July 3, 2006. The Note states that Borrower owes Lender One hundred Ninety Thousand Four Hundred and 00/100ths Dollars (U.S. 5190,400.00)plus interest Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1,2036. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan"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. (II) "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]. ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider ❑ Revocable Trust Rider ❑ Biweekly Payment Rider ❑ Other(s)fspecify] (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) as well as all applicable final, non-appealable judicial opinions. (1) "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. (IC) "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 isnot limited to, point-of-sale transfers, automated teller machine transactions; transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (L) "Escrow Items"means those items that are described in Section 3. (M) "Miscellaneons Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in Section 5)for. (i)damage to, or destruction of,the Property; (ii)condemnation or other taking of all or any part of the Property;(iii)conveyance in lieu of condemnation;or(iv)misrepresentations of, or omissions as to,the value and/or condition of the Property. Pennayh•ania Mortgage-Single Family-Fannie Mae/Freddte Mae UNIFORM INSTRUMENT MERS Modified Farm 3039 01101 —THE COmpuANCF SoupcF,INC.-- Page 2 of 14 143ovw COMM ate.:0=5 .r..v tonpiinxeaovice.00m 1 tiIlI��1111111111111111111111111.111111111111111( 1i loll ill 111flif 111ISI (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) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §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 loan"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 (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,Borrower does hereby mortgage, grant and convey to MFRS (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 of CUMBERLAND: [Type of Recording Jurisdiction] [Name of Recording furisdfction] Tax Parket ID No.42-31-2153-171 SEE A'T'TACHED SCHEDULE A which currently has the address of 2731 S ROSEGARDEN BLVD [SYreetj MECHANICSBURG, Pennsylvania 17055-5310 ("Property Address"): [ciw CSP Codej TOGETHER WITH all the improvements now or hereafter erected on the property, and all casements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument All of the foregoing is referred to in this Security Instrument as the"Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument,but, if necessary to comply with law or custom,MERS(as nominee for Lender and Lender's successors and assigns)has the right: to exercise any or all of those interests.including,but not limited to,the right to foreclose and sell the Property;and to take any action required of Lender including,but not limited to,releasing and canceling this Security instrument. PennVivania Mortgage-Single Family-Fannie Mae/Freddie Mae UNIFORM INSTRUMENT MERS Modified Form 3039 0 1/0 1 THB COMPLIANCE SOURCE,INC.— Page 3 of 14 IA30EPA OLOR Its..O&W w•.,+.wmplianceauurce.caa IIII jI II_�II111�111IIIIIIlif111111111_IIIIII. 11111 lull.- : . :•• ' ' 11111.111-�ijillft�y■��������■■■■■ � I ttl■ I I i 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 arc deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2,all payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest due under the Note; (b)principal due under tate 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 first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments_ 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 Pennsylvania Mortgage-Single Fantity-Fannie Mae/Freddie Mae UNIFORM INSTRUMENT MlERS Modified Form 3039 01/01 Tt[E COMI MANCE SOVRCB,INC— Page 4 of 14 14301 PA 04MG Rei.Osios �.�, .�� 1!1111 Il lilt Illi(ill illli NII I ill li I Illi . III I I fid �l � li Il � ll 11881Il .ilillfll�_ Illlll + _ ^ 3 D + 4 + 1 4 1 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 for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver,Borrower shall pay directly, when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase"covenant and agreement"is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds,and in such amounts,that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount(a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow 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 Leader 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 annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow,as defused under PX-,SPA,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 snake 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; Uens. 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 Pennsylvants Mortgage-Single Family-Fannie MDe/Frcddie Mae UNTFORM INSTRUMENT NIERS Modified Form 303901/01 THE COMPLtAwm SouRC£,INC.— Page 5 of 14 t�DirwDaoD rtev.Os/as vww.ep.rp6evicemisee.eom 10111101111IIIIlli111111111111111111III11I111111111u{ I [11�1 1! iI i 1 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 thio lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the 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 tight 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 io,or destruction of, the Property,such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing,any insurance proceeds, whether or not the underlying insurance was required by Lender,shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters,or other third patties,. retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation o£Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened,the insurance proceeds Pennsylvania Mortgage-Single Family-Fannle Mae/Freddie Mae UNIFORM INSTRUMENT MERS Modified Form 303901/01 —THE COMPLIANCE SOURCE,INC— Page 6 or 14 1+JD7►A 0400 ri+.'.osos mu rr.eonWtbneaamai.ao}n o III[III,I 1 l 1 + A D ♦ 6 w 1 4 shall be applied to the sums secured by this Security Instrument, whether or not Hien 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 atter 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 Proteetion of the•Property; Inspections. Borrower shall not destroy,damage or impair the Property,allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible,Borrower shall promptly repair the Property if damaged to 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 eondemnarion 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. 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 are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security 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 tweed on or off. Pennsylvania Mortgage-Single Family-Fannie MadFreddleMae UNIFORM INSTRUNIENT MFRS Modified Form 303901/01 —Tme COMPLL4NCE SOURCE,INC.-- Page 7 of 14 94MIPA 08W Rev ONDS v....v eo*naCunee.auee.am++ ��l�l�����II(II Illil IIII Ifll III Illll Niil III II I If I 11111-11111111 Tjr�jjj�j + _ _ o d o A o + 7 + t a t 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 requited 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[Hake separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. if Lender required Mortgage Insurance as a condition of making tate Loan and Borrower was required to snake 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 Isom 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 tharthe mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements,!..ender,any purchaser of the Note,another insurer,any reinsurer,any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed"captive reinsurance" Further. (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,or any other terms of the Loan. Such 9greements 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 inspect 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, Pennsylvania Mortgage-Single Family-Fannic Mae/Freddie Mac UNIFORM INSTRUMENT MERS Modified Form 3039 0 1101 —THF COMPLIANCE SOVRCF INC.— Page 8 of 14 143mrAawa rw,VMS II�I1111 I!1!!Illll Ill!IIII IIIA IIIA Ilii III�I Ili 1111111I11(I Illllllllll�lll Ill( + O O A 0 + 8 + t 4 e 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 disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Lew requires interest to be paid on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking,destruction,or loss in value of the Property,the Miscellaneous Proceeds shall be applied to the suras 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 suras secured by this Security Instrument immediately before the partial taking,destruction,or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a)the total amount of the sums secured immediately before the partial taking,destruction, or loss in value divided by(b)the fair market value of the Property immediately before the partial taking,destruction,or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value,unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the suras 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 Property or to the sums secured by this Security Instrument,whether or not then due. "Opposing Patty" 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 interrst 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 Pennsylvania Mortgage-Single Family-Fanale Mae/Freddie Mac UNIFORM rNSTRUMENT MERS Moditled Form 303901/01 —THE COM rmAr7CE SOUztM 1r4c.— Page 9 of 14 r4301 PACs"aa+:OSOS 1111 IIIA Illi Illli 11111 III II I I fll11111111111111111111111 11II1IIII1II1I1lfl I I + U U A D + 9 + 1 4 any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Leader in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons,entities or Successors in Interest of Borrower or in amounts less than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However,any Borrower who co-signs this Security Instrument but does not execute the Note(a"co-signer"): (a)is co-signing this Security Instrument only to mortgage,grant and convey the co-signer's interest in the Property under the terms of this Security Instrument;(b)is not personally obligated to pay the sums secured by this Security Instrument; and(c) agrees that Lender and any other Borrower can agree to extend,modify,forbear or make any accorrnrsodations 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 assume 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 Insuument 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 propose 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 arc expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the 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 have been given to Borrower when trailed by first class mail or when actually delivered to Borrower's notice address if sent by other meads. 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 repotting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement larder this Security Instrument. Pennsylvania Mortgage-Single Famly-Fannie MaefFmldle Mae UNIFORM INSTRUMENT MFRS Modified Form 303901/01 —THE COWIPUANCE SOURCE.INC— Page 10 of 14 34301PAGILMO A-0&05 .w.v.cmryTimce+ouree aom 1111111111111111111111111111II��IT111fli 11,111 + + O O A D + 1 0 + 1 4 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 alight 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)words in the singular shall mean and include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument 18. 71ransfer 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 ttmisferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lcnder 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 firom the date the notice is given in accordance with Section IS within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sutras 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 all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements;(c)pays all 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 aught 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 trade and Pennsylvania Mortgage-Single Family-Finnie Mae/Freddie Mme UNIFORM INSTRUMENT i1fERs Modified Form 303901101 —THE CONIFOANCE SOORCE,INC— Page ii or 14 1430J rw 08100 R—OSW If�l IIII 1111111111111111111,1111111 [fl 11111111111101111111 , ill illffl� l 111�1 + 8 + 0 0 A D + I t + t 4 i r 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 ot; 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 atter 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 I.aw" means federal laws and laves of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c)"Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law,,and(d)an"Environmental Condition"means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances,or threaten to release any Hazardous Substances,on or in the Property. Borrower shall not do,nor allow anyone else to do, anything affecting the Property (a)that is in violation of any Environmental Law, (b)which creates an Environmental Condition, or(c)which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to "the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to,hazardous substances in consumer products). Borrower shall promptly give Lender written notice of(a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance. or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to,any spilling,]caking,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 Taw. Nothing herein shall create any obligation on Lender for an Environmental Cleanup: NON-UNIFORM COVENANTS. Borrower and.Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a)the default;(b)the action required to cure the default; (c)when the default must be cured;and(d) that failure to cure the default as specified may result in acceleration of the 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 Pean»-ivanle Mortgage-Single Family-Faanle NU&Freddle Mae UNIFORM INSTRIJMENT MFRS Modified Form 303901/1)1 ' —Tile COMPLIANCE SOURCE,INC.— Pngc 12 of 14 14AMM oared U-,OSMS I111 loll�fll IlliX81 IIIA VIII fill]]IIIIII eI1111111111IM III1111111111IN1111111 r f _ O 0 A D t 1 2 t 1 4 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 Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution,extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is Ient to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any hider executed by Borrower and recorded with it. (Seal) J A&ON E FICKETT -Borrower [Printed Name) (Seal) KELLY S CKETT -Borrower [Printed Namef (Seal) -Borrower [Printed Namaf (Seal) -Borrower [Printed,Vanw] Pennsylvania Mortgage-Single Family-Fannie MaetFreddie Mae UNIFORM INSTRUMENT MER.S Modified Form 3039 01101 —THE COMPWANCE SOURCE,INC.— Page 1,3 of la 24301PAMOO K—OSMS wwW.ernytiaaeeroum.eom i_ f _ _ o . IIIII111111 111111111IItI1111111111C111-111aII+ O O A D w 3 + 1 4 t Certificate of Residence: I/We do hereby certify that the precise address of the within named mortgagee,assignee or person entitled to interest is c[pi ,S��rnmas ��e. , 12i, a , V BY: Title: State of Pennsylvania § County of CTJM1BERLAND § r On this,the T4 day of jv t 0ot I the undersigned officer; personally appeared JASON E FICKIETT and KELLY S FICKETT known to me(or satisfactorily pr to be the person(s) whose name(s) is/arc subscribed to the within instrument, and acknowledged that bels /the executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seal. rJ csi� u (Seal) Title of otticEa- comMONWEALTH OF PF_NNSYLVANIA N�1Se81 ,3c nftrGfWS.[+t0WYPt"C Cr^mpF5lif3WO.CwnbpftrdCC W*Y Mom,,— nt Notarths Pennsylvania Mortgage-Single Family-Fannie MaeMreddie Mae tINIFoRM INsvRvmEN'r MEWS Modified ���'���K�� It I��!!IllI �l Iflllllli1111111111 1lll 11111i111111111.1I111.1111111111Ielf Modifi 1 3039 0 t THE COMPLIANCE SOURCE,INC— Page 14 of 14 Edoroaoaeros I 111111II[C111111�1 l + O + 1 4 + lv I af~ 7Fr.LERSC�t Exhibit"A" ALL THAT CERTAIN lot or ground situate in the Township of Upper Allen, County of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit:' BEGINNING at a point marked by a monument on the eastern line of Rosegarden Boulevard South (50 feet wide), which said point is in the division line between Lots Nos. 2 and 3 on the hereinafter mentioned Plan of Lots; thence along the division line between Lots Nos. 2 and 3 of said Plan, North 80 degrees 55 minutes 55. seconds.East, 144.75 feet to a point at common comer of Lots Nos. 1, 2 and 16 on the hereinafter mentioned Plan of Lots; thence along the division line between Lots Nos. 2 and 1 on said Plan, South 27 degrees 56 minutes 54 seconds West, 167.74 feet-to a point in the Eastern line of Rosegarden Boulevard South; thence along the same in the Northwesterly direction by the arc of a circle curving to the right, said circle having a radius of 150.00 feet, the arc distance of 117.62 feet to a point; thence continuing along the Eastern line of Rosegarden Boulevard South,North 09 degrees 04 minutes 05 seconds West, 28.00 feet to a point marked by a monument in the dividing line between Lots Nos. 2 and 3 on the hereinafter mentioned Plan of Lots,first above mentioned at the point'and place of BEGINNING. I Certify this to be reL ... .. Tn Cumberland Count, t'r. --der of Deeds Bit 1957PG4359 EXHIBIT "D" When Recorded Return To: aQ3T8L Kimberlaine Johnson SUNTRUST MORTGAGE,INC. 1001 SEMMES AVENUE RVW 5303 RICHMOND,VA 23224 Parcel No.42-31-2153-171 CORPORATE Al3512NMENT OF MORTGAGE Cumberland,Pennsylvania SELLER`S SERVICING#a "FICKETT" INVESTOR'S LOAN#: NEW SERVICER'S#: Date of Assignment:October 1Oth,2013 Assignor.SUNTRUST MORTGAGE,INC.* Assignee:FEDERAL NATIONAL MORTGAGE ASSOCIATION,ITS SUCCESSORS AND/OR ASSIGNS I hereby certify the precise address of the within named Assignor is 1001 SEMMES AVENUE, RICHMOND,VSA 23224. 1 hereby certify the precise address of the within named Assignee Is 14221 DALLAS PARKWAY,SUITE 100,DALLAS,TX 75254. Executed By:JASON E FICKETT,ADULT INDIVIDUAL,KELLY$FICKETT,ADULT INDIVIDUAL, To: SUNTRUST MORTGAGE,INC. Date of Mortgage: 07103!2006 Recorded: 07/10120p6 in Book/ReeULiber 1957 Page/Fofio:4845 as InstrumentlDocumerit:N/A In the County of Cumberland,State of Pennsylvania. -Assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.AS NOMINEE FOR SUNTRUST MORTGAGE,INC.,ITS SUCCESSORS AND ASSIGNS TO SUNTRUST MORTGAGE, INC.Dated:12/28/2012 Recorded: 01111/2013 in Book/Reel/Liber.NIA Page/Folio:N/A as Instrument/Document 201301152 2731 S ROSEGARDEN BLVD,MECHANICSBURG,PA 17055 In the Township of UPPER ALLEN I do certify that the pre add��re��ss of FEDERAL NATIONAL MORTGAGE ASSOCIATION,ITS SUCCESSOR S AND! SSIre� S 14 4221 DALLAS PARKWAY,SUITE 100,DALLAS,TX 75254 Attested .. t — KNOW ALL MEN BY THESE PRESENTS,that for good and valuable consideration,the receipt and sufficiency of which is hereby acknowledged,the said Assignor hereby assigns unto the above-named Assignee,the said Mortgage having an original principal sum of$190,400.00 with interest,secured thereby,with all moneys now owing or that may hereafter become due or owing in respect thereof,and the full benefit of all the powers and of all the covenants and provisos therein contained,and the said assignor hereby grants and conveys unto the said assignee,the assignor's beneficial interest under the *KJ1*KJi SUNT*10110/2013 11:49:56 AM*SUNT09SUNTA000OOOOQOODO001701841*PACUMBE* PASTATE_MORT ASSIGN ASSN*KJ1*KJ1SUNT' ' w i CORPORATE ASSIGNMENT OF MORTGAGE Page 2 of 2 Security Instrument TO HAVE AND TO HOLD the said Security Instrument,and the said property unto the said assignee forever,subject to the terms contained in said Security Instrument *Contact Federal National Mortgage Association for this instrument c/o Seterus,Inc.,14523 SW Milliken Way,#200,Beaverton,OR 97005,telephone#1-866-570-5277,which is responsible for receiving payments SUNTRUST�MO.!,TGE,INC,' )itlt On 8, SSByDave Van AkenaVice President STATE OF Virginia COUNTY OF Richmond(City) On JD`!5-a 6J3 Jefbreme, Ar/SS IrK 1' 1UVr1%M rn J ,a Notary Public -tQ and for Richmond(City)in the State of Virginia,personally appeared .Uncle UGr / Ken Vof SUNTRUST MORTGAGE,INC.',personally known to me (or proved to me on the basis of satisfactory evidence)to be the person(s)whose name(s)isfare . subscribed to the within instalment and acknowledged to me that he/she/they executed the same in hisfherftheir authorized capacity,and that by hisfherftheir signature on the instrument the.person(s),or the entity upon behalf of which the person(s)acted,executed the instrument WITNESS my hand and official seal, KRISTIMA R CUMMINGS Notory Public Commonwealth of virginla 542439 My Commission ExOrea Apr 30,2017 Notary Expires:{JZb1-%6 1.7 (This area for notarial seal) "KJ1"KJ ISUNT"10f1012013'11:49:56 AM'SUNT09SUNTAODD000OOD000001701941•PACUMBE` PASTATE_MORT-ASSIGN_ASSN"KJ1'KJI8UNT* ROBERT P.ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE,PA 17013 = ` 717-240-6370 = Instrument Number-201334790 Recorded On 10/25/2013 At 10:09:21 AM *Total Pages-3 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-150013 User ID-KW *Mortgagor-FICKETT,JASON E *Mortgagee-FEAER, IL NATIONAL MTG AMC *Customer-SUNTRUST MORTGAGE INC *FEES . STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE RECORDING FEES — $11.50 DO NOT DETACH RECORDER OF DEEDS PARCEL CERTIFICATION $15.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3,00 TOTAL PAID $55.50 I Certify this to be recorded in Cumberland County PA r • 47 RECORDER O D EAS -Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 00378E llll1lllMIll NIE When Reoarded Return To. Thelma Gonwez SUNTRUSrMQRTGAGF,INC. 1001 SWMI;S AvSNUEI)l RICHMOND.VA 232,24 liltt1U Parcel No,42.31~2163.171 CU"*'land,Pertneytvaata 5E1.t.EltI 3ERV1 nim "t=ICtCE7"i"' • MERS#: Date of Assignment Dacember28th #:1^886.678.837!• Asatgno .. 2012 MORTGAGE CLErTRONIC REpt57'RATIpN gy SUNTRUST MORTGAGE,INC., I S Stl Assignee:SUNTRUST MOR? CCESSt7RS AND ASSIGNS INC.AS NbMiNEE FOtj GAGE,INtr, . cerV SU!'fE C FY the t�►'aoise$ddrese of the within Warned Assigner Is? ANVILLE,IL 61834. 90,E VOQRNEES STR�ETI I hereby cettiy the precise address of the within Hamad RICHMOND,VA 23224, Assignge(81001 SEMMESAVSNtJE, Exeouted$y;JASON E Mc SU TRUST MORTGAGE, [J ADUI p[Nt)[VlpilAL,t�LLYS FICKE7.7 At)ULT INt}tVlDt! MVDocu 07/0-WOO Recorded, 07/10/2006 AL To: ins#rumens/Document;h11A In the County 2731 S ROSI;GARD mY of Cumberland eoak/Reet/Ltber:1857 EN BLVD,MECNANICSSURG PA ,State of pernnsytvaWa,I'ageJFollu:4846 as 14acertiry that the precise 17066 in the Township of UPp q fts& By-,VA 3224 odztnsss cf SUNTRUST MQR7G,AGE,INC.is 1 ER ALLEN Attested By 001 SEMMES AVENUE, aufNa KNOW ALL.MEN BY THESE P y of which is here RESENTS,that fc�r food and Assignee,the acid Mortgage acknowledged the said vgluabts corts[deratiart,the nese thereby,with ali mon rtgage having an arigi;el priRcip sum of h"by$'ins unto the above.a and the fuJi benefit of ail eys now oyotng or that may hereafal sumon1ef 9p`400,00 Witt interest,se n�ec! assignor hereby and of all the covenants and due°r awing in re Y 9mnts and conveys unto the said ass' n prcivisos therein aanEa&r$1 and id ° d Se` r 'Instrument ee,the ass! 9r>ar's banef<cisi Interest Underthe so TOHAVeoND7atHOsUaheSI d inns d forever,au ' ty Instrument, t,arrd the card roperty t+nfo the said assignee, aid Security st►urnent, F "rJCi''i JGSUNT"12/2e/2012 08:10; PASTATE MOR' ASSf&A13 w AW SUNT09SUNTAo00W0D000D00 SSN'TJp TJGSUM-. Gi1Mt31;* , OflNPfl'RATE ASSIptyMENT OF MOgTGAC3g page 2 of 2 MORTGAGE ELECTRONICOMORTGAGE,iNC,,ITS SUCCspagrlON 3YSTlrMS,INC.AS NOMrNt;E FO "'3l`1 AND ASSIGNS Fi S�TRUST Byz MC , STATE COUNTY�Fk�lahMand(CRY) IIIOn nd f L before me, nP. � B fain t!� State of VlrgfnlaQ INC,AS Nt7MrNt:�EQ V ,�e� iaiIY spF�aro a rypubitc person ail R SUNTRt1STMp o,MORTGAGE El-ECTRO y knt»m to me or RTGAGE,ENC., ITS E NIC REGISTRATION SYSTEMS, whose names prov*t to me on the basis GESSO STEMS executed the B)Is/sre subscribed to the wlthln instru of satisfactaryevldence{eND ASSIGN In*ument the acne In hIs/Wjjhelr airthorl ith ►-tent and acknoy vi be Elie $, ihetrumar pe (s),or the enil pR*p and that b ped to me that he shen(S) tY upon behalf of which the a hislher/their signature o Y P mons)acted,eXecuted the WITNESS my hand and ofticlat seal, Janet M< tleby 91` COrnmcftftwfthARYUSLY� Ex any ; ���i 3p1 mfg Notaryptres: / / I`abrus i (TINS wea for noteu "T��•r►GSUNr��8rz4tz 08'10, sAM-� ��st! l'A$TAr1 MQRT ASSIGNJ�SSN"3 j U UNTAdpaDr,(7oopootld' PACUMEE* i ROBERT Pl, .. ���ER ��GLE,R aF OBEDS CUMBERLAND CotiNTTY 1 CMTHaUSE SQUARE CARLrSLEt PA 17413 717-240-6370 �retrurnent Number-2Q�301152 --�""°""°�,.., Aeeorrled 01/11/,2013 A. '�rieetra,ment T* t i0;x 7;31 Atlq e-ASS, volCeNumbar.12659S t>F,ATORTGAGE "Total.Paga.•3 *Mo � T+JASON Mar . 5 , ''�agee`�NTRG'ST ; Nle *Cu�turnar-��'RU►5x MCiRTOAAGE ZNtr s GE DVC s WRXT T" ac$/Accxss o.so JU$�rxcz� $23.so Gcrtiltco#iota Pago ascofmxxo i7ivs itEcolzER otr DaG9 012.00 1)0 1YaT,�?,,,TAS PJUW24 cVltTxrrcA�.,OV FEES 010.00 cot'N!Vr ARC!iRnMs This Page LS How part RM� -PN s FM $3.00 of this 1o941 documellt. $51.00 X Cer ft this to be record fI CRMberiaxed Co�tuty PA Kscoxo�s o� t lhe�aEron deJro y Rn , �erf11 �� �erfsk m at►tfap pro"""d may Act be rtflftfW a� 002 11111r1fillm EXHIBIT "E" . • - t Exhibit KA" ALL THAT CERTAIN lot or ground situate in the Township of Upper Allen, County of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point marked by a monument on the eastern line of Rosegarden Boulevard South (50 feet wide), which said point is in the division line between Lots Nos. 2 and 3 on the hereinafter mentioned Plan of Lots; thence along the division line between Lots Nos. 2 and 3 of said Plan, North 80 degrees 55 minutes 55 seconds.East, 144.75 feet to a point at common comer of Lots Nos. 1, 2 and 16 on the hereinafter mentioned Pian of Lots; thence along the division line between Lots Nos. 2 and .1 on said Plan,South 27 degrees 56 minutes 54 seconds West, 167.74 feet to a point in the Eastern line of Rosegarden Boulevard South; thence along the same in the Northwesterly direction by the arc of a circle curving to the right, said circle having a radius of 150.00 feet, the arc distance of 117.62 feet to a point; thence continuing along the Eastern line of Rosegarden Boulevard South,North 09 degrees 04 minutes 05 seconds West,28.00 feet to a point marked by a monument in the dividing line between Lots Nos. 2 and 3 on the hereinafter mentioned Plan of Lots,first above mentioned at the point and place of BEGINNING. f Certify this to be reL. . .. Tn Cumberland Count, Pr, v I'd er of Deeds BitI957PG4359 EXHIBIT "I'" seterus Physical Address 14523 SW Millikan Way;Suite 200;Beaverton,OR 97005 Business Hours(Pacific Time) Monday-Thursday 5 a.m.to 8 p.m. Friday 5 a.m.to 6 p.m. Payments August 3,2014 PO Box 11790;Newark,NJ 07101-4790 Correspondence VIA.CERTIFIED AND FIRST CLASS MAIL PO Box 2008;Grand Rapids,MI 49501-2008 Phone 866.570.5277 L178R Fax FICKETT,JASON E 866.578.5277 2731 S ROSEGARDEN BLVD ECHANICSBURG,PA 17055 Website M www.seterus.com Loan number: ,serviced by Seterus,Inc. Please read the following important notice about your loan. Sincerely, Seterus,Inc. Enclosures:Act 91 Notice,PHFA list of HEMAP-approved agencies,How to Avoid Foreclosure THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGFNERAL GOV/CA Seterus,Inc.maintains a local office at 355 Union Boulevard,Suite 250,Lakewood,CO 80228.The office's phone number is 888.738.5576.NEW YORK CITY: 1411669, 1411665, 1411662. TENNESSEE:This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.Seterus,Inc.is licensed to do business at 14523 SW Millikan Way,Beaverton,OR. Page 1 of 6 Date: August 3, 2014 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e on your home is in default and that the lender/servicer intends to foreclose. Specific information about the nature of the default is provided in the attached paees. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAP may be able to help to save Your home. This Notice explains how the program works To see if HEM"can help,You must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY_ WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with You when you meet with the Counselinu 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 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.UgPORTANCIA,PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA.SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY)SIN CARGOS AL NCJMERO MENCIONADO ARRIBA.PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 2 of 6 HOMEOWNER'S NAME(S): FICKETT,JASON E PROPERTY ADDRESS: FICKETT,KELLY S 2731.S ROSEGARDEN.BLVD LOAN ACCT.NO.: MECHANICSBURG,PA 17055-5310 ORIGINAL LENDER: SUNTRUST MORTGAGE,INC. CURRENT LENDER/SERVICER: Seterns,Inc. 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(30)days from the time of this Notice(plus three(3)days for mailing). During that time you must arrange and attend a face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE 33 DAYS OF THE DATE OF THIS MORTGAG NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR E UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO OTMU DEFAULT"EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. YOUR MORTGAGE CONSUMER CREDIT COUNSELING AGENCIES agenci --If you meet with one of the consumer credit counseling es listed at the end of this Notice,the lender/servicer may NOT take action against you for thirty(30)days ager the date of this meeting. The names addresses and tele hone numbers of desi Hated consumer credit counselin a encies for the coon in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-t0-face meeting. Advise your lender/servicer immediate] of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE—Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so,you must fill out,sign, and file a completed Homeowner's Emergency Mortgage Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender/servicer from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEIvIAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING,THEN THE LENDER/SERVICER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." AS EXPLAINED ABOVE,IN THE Page 3 of 6 YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER/SERVICER FROM STARTING A FORECLOSURE ACTION,BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. 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 PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have Cried 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/servicer on your property located at: 2731 S ROSEGARDEN BLVD MECHANICSBURG,PA 17055-5310 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE REGULAR MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Payments: June 1,2014 through August 1,2014 in the amount of$1,604.27 each Total: $4,812.81 Past Due Installments: $4,812.81 Other Open Charges: Prior Servicer Charges Seterus,Inc.Charees Property Inspections 0.00 60.00 60.00 Total Past Due Installments&Charges $4,872.81 _Less.Suspense(Balance) 30.00 TOTAL AMOUNT PAST DUE $4,842.81 HOW TO CURE THE DEFAULT—You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER/SERVICER,WHICH IS $4,842.81,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES,WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash cashier's check certified check, or money order made payable and sent to: Seterus,Inc. PO Box 11790 Newark,NJ 071014790 Page 4 of 6 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender/servicer 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 regularly scheduled installments. If full payment of the total amount past due is not made within THIRTY (30)DAYS,the lender/servicer also intends to instruct its attorneys to start legal action.to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender/servicer refers your case to its attorneys,but you cure the delinquency before the lender/servicer begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to$50.00. However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender/servicer even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender/servicer,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees. OTHER LENDER/SERVICER 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 THE SHERIFF'S SALE-- If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s Sale. You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender/servicer and by performing any other requirements under the mortage. 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 mortgaged property could be held would be approximately five(5)months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender/servicer. HOW TO CONTACT THE LENDER/SERVICER: Name of Lender/Servicer: Seterus,Inc. Address:PO Box 2008 Grand Rapids,MI 49501-2008 Phone Number:866.570.5277 Fax Number: 877.649.0743 Contact Person(s): Shannon Stock or Nathan Wetzel E-Mail Address:ExternalCommunications@seterus.com Page 5 of 6 EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender/servicer at any time. ASSUMPTION OF MORTGAGE--You—may or X may not sell or transfer your home to a buyer or transferee who will asuume the mortgage debt,provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • 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/SERVICER. • TO SEE PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Enclosed is a list of CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY. Page 6 of 6 Physical Address seterusTm 14523 SW Millikan Way;Suite 200;Beaverton,OR 97005 Business Hours(Pacific Time) Monday Thursday 5 a.m.to 8 p.m. Friday 5 a.m.to 6 p-m. Payments PO Box 11790;Newark,NJ 0710111790 August 3, 2014 Correspondence PO Box 2008;Grand Rapids,MI 49501-2008 VIA CERTIFIED AND FIRST CLASS MAIL Phone 866.570.5277 L178A Fax 866.578.5277 FICKEIT,JASON E 2731 S ROSEGARDEN BLVD Website MECHANICSBURG,PA 17055 www.seterus.com Loan number: : serviced by Seterus,Inc. Please read the following important notice about your.loan. Sincerely, Seterus,Inc. Enclosures:Act 91 Notice,PHFA list of HEMAP-approved agencies,How to Avoid Foreclosure TRIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR.WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,TRIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE �COLORADOATTORNEYCENERAL.GOV/CA.GOV/CA.Seterus,Inc.maintains a local office at 355 Union Boulevard,Suite 250,Lakewood,CO 80228.The office's phone number is 888.738.5576.NEW YORK CITY: 1411669, 1411665, 14t 1662.TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.Seterus,Inc.is licensed to do business at 14523 SW Millikan Way,Beaverton,OR. Page 1 of 6 Date: August 3,2014 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and that the lender/servicer intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies servingyour our 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 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 NOTIFICAu6N EN ADJUNI'O ES DE SUMA IMPORTANCIA,PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA.SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCIbN INMEDIATAMENTE LLAMANDO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY)SIN CARGOS AL NfJMERO MENCIONADO ARRIBA.PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM"EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 2 of 6 HOMEOWNER'S NAME(S): FICKETT,JASON E FICKETT,KELLY S PROPERTY ADDRESS: 2731 S ROSEGARDEN BLVD MECHANICSBURG,PA 17055-5310. LOAN ACCT.NO.: ORIGINAL LENDER: SUN1'RUST MORTGAGE,INC. CURRENT LENDER/SERVICER: Seterus,Inc. 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(30)days from the time of this Notice(plus three(3)days for mailing). During that time you must arrange and attend a "face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE(33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE,YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT"EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this Notice,the lender/servicer 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 this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender/servicer immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so,you must fill out,sign, and file a completed Homeowner's Emergency Mortgage Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender/servicer from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE—IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING,THEN THE LENDER/SERVICER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." Page 3 of 6 YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER/SERVICER FROM STARTING A FORECLOSURE ACTION,BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION w 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 PURPOSES 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/servicer on your property located at: 2731 S R.OSEGARDEN BLVD MECHANICSBURG,PA 17055-5310 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE REGULAR MORTGAGE PAYMENTS for the following montlis and the following amounts are now past due: Payments: June 1,2014 through August 1,2014.in the amount of$1,604.27 each Total: $4,812.81 Past Due Installments: $4,812.81 Other Open Charges: Prior Servicer Charges Seterus,Inc.Charges Property Inspections 0.00 60.00 60.00 Total Past Due Installments&Charges $4,872.81 Less Suspense(Balance) 30.00 TOTAL AMOUNT PAST DUE $4,842.81 HOW TO CURE THE DEFAULT--You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER/SERVICER,WHICH IS $4,842.81,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES,WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash,cashier's check,certified check,or money order made payable and sent to: Seterus,Inc. PO Box 11790 Newark,NJ 071.01.4790 Page 4 of:6 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender/servicer 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 regularly scheduled installments. If full payment of the total amount past due is not made within THIRTY (30)DAYS,the lender/servicer also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender/servicer refers your case to its attorneys,but you cure the delinquency before the lender/servicer begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to$50.00. However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender/servicer even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the tender/servicer,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees. OTHER LENDER/SERVICER 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 THE SHERIFF'S SALE— If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by payingthe total amount then past due,plus any late or other charges then due,reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender/servicer and by performing any other reguuirements under the mortage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five(5)months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait, You may find out at any time exactly what the required payment or action will be by contacting the lender/servicer. HOW TO CONTACT THE LENDER/SERVICER: Name of Lender/Servicer: Seterus,Inc. Address:PO Box 2008 Grand Rapids,MI 49501-2008 Phone Number: 866.570.5277 Fax Number: 877.649.0743 Contact Person(s): Shannon Stock or Nathan Wetzel E-Mail Address:ExternalCommunications@seterus.com Page 5 of 6 EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender/servicer at any time. ASSUMPTION OF MORTGAGE--You_may or X may not sell or transfer your home to a buyer or transferee who will asuume the mortgage debt,provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • 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/SERVICER. • TO SEE PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Enclosed is a list of CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY. Page 6 of 6 1664 THE COURTS FORM 1 Federal National Mortgage Association IN THE COURT OF COMMON PLEAS 3900 Wisconsin Avenue NW CUMBERLAND COUNTY, PENNSYLVANIA Washington, DC 20016-2892, Plaintiff, CIVIL Vs. Jason E. Fickett a/k/a Jason Eugene Fickett 2731 S Rosegarden Blvd Mechanicsburg, PA 17055, and Kelly S. Fickett a/k/a Kelly Shawn Fickett 2731 S Rosegarden Blvd Mechanicsburg, PA 17055, Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you mast take the following steps to be eligible for a conciliation conference.First,within twenty(20) days of your receipt of this notice, you must contact MidPenn Legal Services at(717) 243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty(20) days of the appointment date. During that meeting, you must provide the legal representative within twenty(20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference.It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM IS FREE. s ect y submitted: Date Rd ert W. Williams,Esquire Milstead&Associates, LLC 1 E. Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190 (f) PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CLISTOMER Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes❑No❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #'of people in household: How long? FINANCIAL • • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy?Yes❑No❑ 75.37369 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 1666 THE COURTS If yes,provide names,location of court,case number&attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1:Model: Year: Amount Owed: Value: Automobile#2:Model: year: Amount Owed: Value: Other transportation(automobiles,boats,motorcycles) Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 2. 3. Additional Income Description(not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mo age Food 2" Mortgage Utilities Car Pa ens Condo/Neigh.Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop.payment Install.Loan Payments Cable TV Child Su ort/Alim. S endin Mone Day/Child Care/Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes❑No❑ If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 75.37369 2 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information,if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, ,authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options.I/We understand that Uwe am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation(hardship letter) ✓ Listing agreement(if property is currently on the market) 75.37369 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY LL0-O -E-;.i of Clinoop y� t014DEC 12 AH 10: 0L. CUMBERLAND COUNTY €FcsEFTl'i PENNSYLVANIA Federal National Mortgage Association vs. Jason E Fickett (et al.) Case Number 2014-6954 SHERIFF'S RETURN OF SERVICE 12/05/2014 07:54 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Jason E Fickett at 2731 S. Rosegarden Boulevard, Upper Allen Township, Mechanicsburg, PA 17055. CHRIS PHER SHARPS, DEPUTY 12/05/2014 07:54 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Jason Fickett, husband, who accepted as "Adult Person in Charge" for Kelly S Fickett at 2731 S. Rosegarden Boulevard, Upper Allen Township, Mechanicsburg, PA 17055. CHRISTOP " R SHARPE, DEPUTY SHERIFF COST: $55.30 SO ANSWERS, December 08, 2014 RONNY R ANDERSON, SHERIFF (C) CountySuito Sheriff, Te!eoseft, Inc.