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HomeMy WebLinkAbout14-6962 Supreme CO�urt U Pennsylvania Court;ofCoinmon,pleas For Prothonotary Use Only: Civil Co er Sheet NS `>.t y Docket No: CUMBERLAND .M�. County Oivil-Ferm The information collected on this,form is ztsed sole!%for court administration purposes. This form does not supplernerrt or replace thefiling and service ofpleodings or other papers as required by low or rules of court. Commencement of Action: S x❑ Complaint El Writ of Summons Petition E Transfer from Another Jurisdiction 0 Declaration of Taking C Lead Plaintiff's Name: Lead Defendant's Name: T BANK OF AMERICA, N.A., SUCCESSOR BY MERGERd SERGIO E. GONZALEZ&TIFFANY M. GONZALEZ Dollar Amount Requested: Elwithin arbitration limits I Are money damages requested? Yes El No (check one) ❑x outside arbitration limits O N Is this a Class Action Suit? Yes No Is this an MDJAppeal? Q Yes xi, No A Name of Plaintiff/Appellant's Attorney: POWERS, KIRN &ASSOCIATES, LLC El Check here if you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT (do not include.lodgments) CIVIL APPEALS Q Intentional Q Buyer Plaintiff Administrative Agencies El Malicious Prosecution El Debt Collection: Credit Card n Board of Assessment 0 Motor Vehicle F1 Debt Collection: Other F1 Board of Elections F7 Nuisance 0 Dept.of Transportation 0 Premises Liability ❑ Statutory Appeal: Other S 0 Product Liability (does not include E rnasr tart) Employment Dispute: Q Slander/Libel/Defamation Discrimination C El Other: Employment Dispute: Other Zoning Board T El Other: I Other: O MASS TORT Asbestos N 0 Tobacco E] Toxic Tort-DES Toxic Tort-Implant Toxic Waste REAL PROPERTY MISCELLANEOUS Q E] Other: l Ejectment Q Common Law/Statutory Arbitration B l Eminent Domain/Condemnation 0 Declaratory Judgment El Ground Rent E] Mandamus E] Landlord/Tenant Dispute Q Non-Domestic Relations E) Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITYEl Quo Warranto Mortgage Foreclosure:Commercial . Dental Q Partition Replevin n Legal E] Quiet Title Other: Medical E] Other: n Other Professional: Updated 1/1/2011 x POWERS,KIRK&ASSOCIATES,LLC Jill Manuel-Coughlin,Esquire Id.No. 63252 • Jolanta Pekalska,Esquire Id.No. 307968 Harry B.Reese,Esquire Id.No. 310501 Daniel C.Fanaselle,Esquire Id.No. 312292 Matthew J.McDonnell,Esquire Id.No. 313549 Eight Neshaminy Interplex Suite 215 f;taar,r ,F r,�,: Cr�'. Trevose,PA 19053 P E Iii N S Y Lir AX w A (215)942-2090 ATTORNEYS FOR PLAINTIFF BANK OF AMERICA,NA., SUCCESSOR BY COURT OF COMMON PLEAS MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS CIVIL DIVISION SERVICING,LP 1800 TAPO CANYON ROAD CUMBERLAND COUNTY MAIL STOP#SV-103 SIMI VALLEY, CA 93063 + —t— NO. 14 -A1d A iv 1)7P--r k4 PLAINTIFF COMPLAINT IN MORTGAGE FORECLOSURE VS. SERGIO E. GONZALEZ TIFFANY M. GONZALEZ 206 MAPLE AVENUE CAMP HILL,PA 17011 DEFENDANTS NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages,you must take action within twenty(20)days after this Complaint and notice are served,by entering a written appearance personally or by attorney and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S.Bedford Street 115.'75 Pb p-tt`/ Carlisle,PA 17013 cf,3!s,7,74 717-249-3166 f, 800-990-9108 &3146140 14-1671 GONZALEZ k • IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.0 § 1692 et seq. (1977), DEFENDANT(S)MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S)DO SO IN WRITING WITHIN THIRTY (30)DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S)WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY(30)DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S)THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY(30)DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20)DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE,NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPI.RATION OF THIRTY (30)DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY(30)DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE)TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. 14-1671 GONZALEZ !c POWERS, KIRN&ASSOCIATES,LLC Jill Manuel-Coughlin, Esquire Id.No. 63252 Jolanta Pekalska,Esquire Id.No. 307968 Harry B. Reese,Esquire Id. No. 310501 Daniel C. Fanaselle,Esquire Id.No. 312292 Matthew J.McDonnell, Esquire Id.No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 ,(215)942-2090 ATTORNEYS FOR PLAINTIFF BANK OF AMERICA,NA., SUCCESSOR COURT OF COMMON PLEAS BY MERGER TO BAC HOME LOANS SERVICING,LP FKA COUNTRYWIDE CIVIL DIVISION HOME LOANS SERVICING, LP 1800 TAPO CANYON ROAD CUMBERLAND COUNTY MAIL STOP 4SV-103 SIMI VALLEY, CA 93063 NO. PLAINTIFF COMPLAINT IN MORTGAGE FORECLOSURE VS. SERGIO E. GONZALEZ TIFFANY M. GONZALEZ 206 MAPLE AVENUE CAMP HILL,PA 17011 DEFENDANTS CIVIL ACTION MORTGAGE FORECLOSURE 1. Bank of America,N.A., Successor By Merger to BAC Home Loans Servicing,LP FKA Countrywide Home Loans Servicing, LP (hereinafter referred to as "Plaintiff') is an institution conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption above. 2. Upon information and belief, Sergio E. Gonzalez and Tiffany M. Gonzalez(hereinafter referred to as"Defendants") are adult individuals residing at the address indicated in the caption hereof. 3. Sergio E. Gonzalez and Tiffany M. Gonzalez are the Record Owners of the mortgaged property located at 206 Maple Avenue, Camp Hill, PA 17011, (hereinafter the "Property"). A copy of the Legal Description attached hereto as Exhibit"A" and made a part hereof. 14-1671 GONZALEZ 4 4. On August 20,2010, Sergio E. Gonzalez and Tiffany M. Gonzalez executed a Note in the original principal amount of$167,641.00 payable to Bank of America,N.A. in monthly installments with interest thereto at the rate of 4.750 as provided in the Note(hereinafter the"Note"). A copy of the Note is attached hereto as Exhibit`B"and made a part hereof. 5. To secure the aforesaid Note, Sergio E. Gonzalez and Tiffany M. Gonzalez mortgaged to Mortgage Electronic Registration Systems, Inc., As Nominee for Bank of America,N.A. the property which is the subject of this action(hereinafter referred to as"Mortgage"). The Mortgage, dated August 20, 2010,was recorded on September 2, 2010 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Instrument#201024547. A copy of the Mortgage is attached hereto as Exhibit"C" and made a part hereof. 6. Plaintiff, directly or through an agent, has possession of the promissory note. The promissory note has been duly endorsed. 7. Plaintiff is the Mortgagee of record by virtue of the following mergers and/or assignments: a. Mortgage Electronic Registration Systems, Inc.,As Nominee for Bank of America,N.A. To Bank of America,N.A., Successor By Merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing,LP recorded on March 13, 2012 in the Office of Recorder of Deeds in Cumberland County in Instrument #201207308. A copy of the Assignment of Mortgage is attached and made a part hereof as Exhibit"D". 8. The Mortgage is now in default due to the failure of Defendant to make payments as they become due and owning. The date of Defendant's default is April 1, 2013. 14-1671 GONZALEZ 4 9. As a result of the default,the following amounts are due: Principal Balance $160,907.30 Interest from 03/01/2013to 11/30/2014 $13,375.32 , Accumulated Late Charges $93.07 Mortgage Insurance Premium $139.04 Bankruptcy Motion for Relief $585.00 Escrow Balance $5,599.54 TOTAL $180,699.27 plus interest from 12/01/2014 at$636.92 per month, costs of suit and attorney's fees. 10. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchase at Sheriff's Sale. If the Mortgage is reinstated prior to the sale,reasonable attorney's fees will be charged. 11. Notice of Intent to Foreclose as set forth in Act of 1974,Notice of Homeowner's Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, as amended in 2008, and Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendants on August 22, 2014.. A copy of the Notice is attached and made a part hereof as Exhibit"E" and made a part hereof. 12. This is an in rem action only against the aforesaid Property. Plaintiff is not seeking a judgment of personal liability against the Defendant, but reserves its right to do so in a separate legal action if such right exists. 14-1671 GONZALEZ WHEREFORE, Plaintiff requests the Court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant, in the sum of$180,699.27,together with interest from December 1, 2014 at$636.92 per month, costs of suit and attorney's fees. POWERS, KIRN&ASSOCIATES,LLC BY: x ' ❑ Jill Manuel-Coughlin,Esquire Id. No. 63252 ❑ Jolanta Pekalska, Esquire Id.No. 307968 ❑ Harry B.Reese,Esquire Id.No. 310501 .Daniel C. Fanaselle,Esquire Id. No. 312292 ❑ Matthew J.McDonnell,Esquire Id.No. 313549 Attorneys for Plaintiff Date: 14-1671 GONZALEZ k ' r 1 i.. v i f i i i t' t 3 f f • i } r j i t i t JJGGLL33++RR..11EExR. JxL 1-9. � s i t j ALL THAT CERTAIN lot or piece of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows,, to wit: BEGINNING at a•point on the West side of Maple Avenue, which point is 140 feet North of the northwest corner of Maxple Avenue � and Church Street; thence northwardly along Maple Avenue, 60 feet to a point; thence westwardly along the southexn side of Lot No. 8, 150 feet to lands now or late of B. F. Zimmerman; thence southwardly along.the' same, 60 feet to a point; thence eastwardly along the northern• side of Lot No. 6, ISO- feet to Maple Avenue to a point, the place of BEGINNING. { BEING LOT NO. 7 in Plan of Lots known as Revised Plan of Maple Avenue, Oakwood park, Cumberland County, Pennsylvania, in Plan Book•3, Page 52. BEING known and numbered as 206 Maple Avenue, Camp mill, } Pennsylvania. f I i f 1 i ' 4 I i • I 1 . i 3 3 f • - 3 I 1 ! f ! j 4 1 ti t t I 3 } ! 1 1 i ! i 4 4 i I I i EXHIBIT "B" 4 Fa•-r nrr..9 bp: t4LLC-lli I'F.F.L7�•FL7GLP. 1 { i�><tltisfiate NOTE ^ - LOAN 0: _ AUGUST 20, 2010 L tDacl 206 MAPLE AVE, CAMP HILL, PA 17011-4122 [Property Address] i i 1. PARTIES "Borrower" metmR each person sighing at the end of this Mote, and the persons successors and assigns. "Lender" means BA:.*z OF ABIERICA, N.A. { tend itti succesccrs and aeRlgns. - E 2. BORROWER'S PROMISE TO PAX;INTEREST In return for a loan received from Lender,Borrower promises to pay the principal sum of nTr-DP.ED SIXTY SEVEN THOUSAND SIX HU=RBD FORTY ONE and 00/100 t D.iH.Ae(LT.S.$167,641.00 ),plus interest,to the order of Lender.Interest will be charged on unpaid principal,from the date of di�but.:crncnt of the Ioan proceeds by Lender,at the rate of FOUR £c THREE-QUARTERS percent( 4.750 C'e)per year until the full amount of principal has been paid. f 3. PROMISE TO PAS'SECURED Borrowc6t Promise to pay is secured by a Mortgage,Deed of Trust or similar security instrument that is dated the same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4. Mji.NNER OF PAYNEE,NT (A) Time Borrower shall make a payment of principal and interest to Lender on the First day of each month beginning on OCTOBER 01, 2010 Any principal and interest remaining on the first day of SEPTEMBER, 2040 ,will be due on that i 1 [late,Nvhiclt is called the"Maturity Date." (B) Place ' Payment-hall be made at P.O. Box 650070, Dallas, TX 75265-0070 Or at Ruch place as Lender may designate in writing by notice to Borrower. ' (C) lanount j f U.S. Each monthly payment of principal and interest will be in the amount o [374.4 s This amount will be i F a t of a larger monthly payment required by the Security Instrument,that shall be applied to principal,interest and other items in the order de.vcribed]n the Security Instrument. (D) Allonge to this Note for payment adjusttnents If ran allongc- providing for payment adjustments is executed by Borrower together with this Mote, the covenants of fire j [:]longe shall bo incorporated into and shall amend and supplement tite covenants of this Note as if file ailonge were a part of this Note,[Check applicable box[ tY- ' ❑ Graduated Payment Allonge ❑ Growing Equity Allonge ❑ Other[specify} S. BORROI'VER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note,in whole or in part,without charge or penalty,on the first day of 1 f uny rronth. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the I I remainder of the month to the extent required by Lender and permitted by regulations of the Secretary.If Borrower makes a partial Fre)+;iyttaant thrrc will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those I chance. i c t G. BORROWRR'S FAILURE TO PAY i (A) Late Charge for Overdue Payments If Lender has not received the foil monthly payment required by the Security Instrument,as described in Paragraph 4(C) Of EhN No(e, by the end of fifteen calendar days after the payment is due, Lender may collect a late charge in the ;;mt2iint Of TOUR percent ( 4.000%) of the overdue amount of each payment e (B) Default f If Borrower defaults by failing to pay in full any monthly payment, then Lender may,except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of t)te principal balance retraining due and all t without waiving its rights in the event of any subsequent default.In t:ccrucd intcreRi.Lender may choose not to exercise this option ! t many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of 'f FHA Fared R=to Ttoto FHA hlulttstate Fixod Rate Noto-10195 20018-XX(OZ R3)(d. a) Page 1 of 2 €. �. I �I.►�I�l{�l� � �Illlf�I .,t �� .� �� ;I � �'���i��1 �IGI�S��►EIS. . 2(3001 ' e CRPRDNRBS46a 11/21/2011 10 : 18 : 14 AM PAGE 47/062 888-294-5658 LQA23 #: 2 2 6 6 0 5117 CASE #: PA446032311 03 payment defaults. This Note does not authorize acceleration when not permitted by R-UD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) payment ae Costs and Expenses If Lender ltas required immediate payrncac ill. full, as described above. LerltJcr may re:;vis.1' Borrower to pay costs an expenses includinb rcasattable and custontasy attonx:ys' .fees for enforcing this Note to the ex.Pnt rot ruhihited by app]icaUlc lav Such fees and costs shall bear interest front the date of c'tisburserne"t at tl3c same rate as tT c grit=cipa)of fills ~t xe. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment"means the right to require Lender to demand payment of amounts due."Notice of dishonor"means the right to require Lender to give notice to outer persons that amounts due have not been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method,any notice that must be given to .Borrower under this Note will be given y delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice tient must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B)or at.a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF pERSONS UNDER.THIS NOTE of the if more than one person signs this Note,each person is Cully son who isla guarantor, suo keep rety surety orf endorser of tl is Note s also t Note, including the promise to pay the foil amount owed.Any pe over these obligations,including the obligations of a guarantor, surety or endorser obligated to do these things.Any person who takes of this Note,is also obligated to keep all of the promises made in this Note.Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this plate may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. (Seal) -Borrower (Seal) RAY TO THE'ORDER OF TIFF � %ZA9sE2 -Borrower W1104OUT RlE001.311sE BANK O!~AMERICA,N.A. (Seal) iBY � -Borrower MIC14ELE SJO ANDEA SENIOR VICE PRES113sMT' (Seal) -Borrower FHA Fixed Rate Note page 2 of 2 FHA Multistele Fixed Rate Nota-10/95 2001 R-XX(02/08) i i i Y f i 1 f E I i i I 1 i' i- 1 I 1 i i 1 I i EXHIBIT C �� f - i i - L i Prepared By: MELODY BRENSINGER BANK OF AMERICA, N.A. 1Ciflll111�11i!l111i Il1l I t Illlllll�lllif ��� i �I II 2733 PAPER MILL RD, SUITE 7 WYOMISSINC PA 19510 r f i f After Recording Return To: # BANK OF AMERICA, N.A. I ReconTrust Co./TX2-979-01-07 I._. P.O. Box 619003 Dallas, TX 75261-9003 t Parcel Number: 10-21--0277-264 Premises: 206 MAPLE AVE j CAMP HILL i # PA 17011-4122 s L f [Space Above This Lune For Recording Data] i f Kase #] [Doc IDTM A ] i I Commonwealth of Pennsylvania MORTGAGE ' } MlN f THIS MORTGAGE("Security instrument")3s given on AUGUST 2U, ZUIU i FNA Pennsylvania Mortgage with MFRS-4196 MFRS FHA Mortgage-PA 1 1004N-PA(06108)(dri) Pagel of 10 Amended 6102 f I t 1 y 1. . t i CASE " DOC ID } The Mortgagor is j SERGIO E GONZALEZ, AND TIFFANY M GONZALEZ i L I t S 's - i ("Borrower").This Security Instrument is given to Mortgage Electronic Registration Systems,Inc. ("HERS"), (solely as nominee for Lender, is hereinafter defined, and Lender's successors and assigns), as mortgagee. MFRS is organized and existing under the laws of Delaware,and has an,address and telephone number of P.O. Box 2026,Flint,MI 48501-2026,tel.(888)679-HERS. BANK OF AMERICA, N.A. i ("Lender")is organized and existing under the laws of THE UNITED STATES ,and has an address of !. 101 South Tryon Street, Charlotte, NC 28255 I Borrower owes Lender the principal sum of ? ONE HUNDRED SIXTY SEVEN THOUSAND SIX HUNDRED FORTY ONE and i 00/100 Dollars(U.S.$167, 641..0 0 ).This debt is evidenced by Borrower's note dated the same date as this Security Instrument("Note"),which provides for monthly payments,with the full debt,if not paid earlier, ; due and payable on SEPTEMBER 01, 2040 . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note,with interest,and all renewals,extensions and modifications of the Note;(b)the payment of all other sums,with interest,advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note.For this purpose,Borrower does hereby mortgage,grant and convey to•MERS(solely 4 as nominee for Lender and Lenders successors and assigns) and to the successors and assigns of MFRS, the following described property located in CUMBERLAND 1 County,Pennsylvania: i I i I� f i f j MFRS FHA Mortgage-PA 1004N•PA(06)08) Page 2 of 10 I I f I s I s 2 CASE 4 DOC ID j SEE legal descript—ion ATTACHED HERETO AND MADE A PART HEREOF. z f s i I� t F ! f i ' which has the address of i 206 MAPLE AVEr 'CAMP HILL { tstrccl.City) Pennsylvania 1701.1-4122 C'PropertyAddrese'); [zip code) i TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, j appurtenances and fixtures now or hereafter a part of the property.All replacements and additions shall also be j covered by this Security Instrument_ All of the foregoing is referred to in this Security Instrument as the ' "Property." Borrower understands and agrees that NIERS holds only legal title to the interests granted by Borrower in this Security Instrument;but,if necessary to comply with law or custom,NIERS, (as nominee for Lender and Lender's successors and assigns),has the right:to exercise any or all of those interests,including,but not limited to,the right to foreclose and sell the Property;and to take any action required of Lender including, but not limited to,releasing or canceling this Security Instrument. 1 BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. 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. Borrower and Lender covenant and agree as follows: UNMORM COVENANTS. I. Payment of Prind ai,Interest and Late Char e.Borrower shall when due the unci Y P $ pay principal pal of,and interest on,the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment,together with the principal.and interest as-set forth in the Note and any late charges,a sum for (a) taxes and special assessments levied or to be levied against the Property, (b)leasehold payments or ground i rents on the Property, and (c) premiums lor insurance required under paragraph 4. In any year in which the i i MFRS FHA Mortgage-PA I 1004N-PA(06/08) Page 3 of 10 i L � I i i- i i ; • Ef F CASE 0 DOC l:D' Lender must. pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"),or in any year in which such premium would have been required if Lender still held the Security F Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance `- premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security instrument is held by the Secretary,in a reasonable amount to be determined by the Secretary.Except for the monthly charge by the Secretary, these items are called"Escrow Items"and the sums paid to Lender are called"Escrow Funds." Lender may,at any time,collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time('RESPA"),except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may r not be based on amounts due for the mortgage insurance.premium. If the amounts held by Lender for Escrow Items exceed the amountspermitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by nSPA:If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums.secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums,Borrower's account shall be credited with the balance remaining for all installment items(a),(b),and(e)and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary,and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's I account shall be credited with any balance remaining for all installments for items(a),(b),and(c). i 3. Application of Payments.All payments under paragraphs 1 and 2 shall be applied by Lender as i follows: First,to the mortgage insurance premium to,be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; = Secon to any taxes, special assessments, leasehold payments or ground rents, and fire,flood and other ' i hazard insurance premiums,as required; � Third,to interest due under the Note; i FOurth,to amortization of the principal of the Note;and i Fifth,to late charges due under the Note. 4. Fire,Flood and Other Hazard Insurance.Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected,against any hazards,casualties,and contingencies,including fire,for which Lender requires insurance.This insurance shall be maintained in.the amounts and for the periods i that Lender requires.Borrower shall also insure all improvements on the Property,whether now in existence or subsequently erected,against loss by floods to the extent required•by the Secretary.All insurance shall be carried with companies approved by Lender.The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of,and in a form acceptable to,Lender. } In the event of loss,Borrower sl2all give Lender immediate notice by mail.Lender may make proof of loss ? if not made promptly by Borrower. ,Bach insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender,instead of to Borrower and to Lender jointly.All or any part of the insurance proceeds may be applied by Lender, at its option,either(a) to the reduction of the indebtedness under the Note and this Security Instrument,first to any delinquent amounts applied in the order in paragraph 3, and then-to prepayment of principal,or(b)to the restoration or repair of the damaged Property.Any application MERS FHA Mortgage-PA 1004N-PA(06/08) Page 4 of 10 f i , i , E I ` i CASE �' T DOC ID i of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are f referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an 1 amount required to pay ail outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. f.. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness,all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; LeasehoIds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument(or within sixty days of a later sale or transfer of the Property)and shall continue to occupy the Property as Borrower's principal residence for at least } one year after the date of occupancy,unless Lender determines that requirement will cause undue hardship for j Borrower,or unless extenuating circumstances exist which are beyond Borrower's control.Borrower shall notify Lender of any extenuating circumstances.Borrower shall not commit waste or destroy,damage or substantially change the Property or,allow the Property to deteriorate,reasonable wear and tear excepted.Lender may inspect ! the Property if the Property is vacant or abandoned or the loan is in default.Lender may take reasonable action to j protect and preserve such vacant or abandoned Property.Borrower shall also be in default if Borrower, during the Ioan application process,gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material information)in connection with the loan evidenced by the Note,including,but not limited to,representations concerning Borrower's occupancy of the Property as a principal residence.If this j Security Instrument is on a Ieasehold, Borrower shall comply with the provisions of the lease. If Borrower i acquires fee title to the Property, the Ieasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of j condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument.Lender shall apply such proceeds r to the reduction of the indebtedness under the Note and this Security Instrument,first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the i proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2,or change the amount of such payments.Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity Iegally entitled thereto. 7. Charges to Borrower and Protection of Lender's FRights in the Property.Borrower shall pay all governmental or municipal charges,fines and impositions that are not included in paragraph 2.Borrower shall pay these obligations on time directly to the entity which is owed the payment.If failure top ay would adversely { affect Lender's interest in the Property,upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2,or fails to perform any other covenants and agreements contained in this Security Instrument; or there is a legal proceeding that may. j significantly affect Lender's rights in the Property(such as a proceeding in bankruptcy,for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the'Property, including payment of taxes, hazard insurance and other items I mentioned in paragraph 2. s MFRS FHA Mortgage-PA 1004N-PA(06108) Page 5 of 10 I i i f _ t • I i j i CASE (F DOC ID Any amounts disbursed by Lender under this paragraph shall become-an additional debt of Borrower and 'be secured by this Security Instrument.These amounts shall bear interest from the date of disbursement, at the Note rate,and at the option of Lender,shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless 1' Borrower: (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien by, or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to this Security Instrument.If Lender determines . that any part of the Property is subject to a lien which may attain priority over this Security Instrument,Lender i may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8. Fees.Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default.Lender may, except as limited by regulations issued by the Secretary, in the case of payment defaults,require immediate payment in full of all sums secured by this Security Instrument if: i (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment,or (ii) Borrower defaults by failing,for a period of thirty days,to perform any other obligations contained in this Security Instrument. j (b) Sale Without Credit Approval.Lender shall,if permitted by applicable law(including Section 341(d)of the Garn-St.Germain Depository Institutions Act of 1982,12 U.S.C. 1701j-3(d))and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if: € (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property,is sold or otherwise transferred(other than by devise or descent),and (ii). The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary. t (e) No Waiver.If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to j subsequent events. (d) Regulations of HUD Secretary.In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid.This Security Instrument does not authorize acceleration or foreclosure if not I permitted by regulations of the Secretary. (e) Mortgage Not Insured.Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument.A written statement of any authorized agent of the Secretary dated subsequent to I 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be I deemed conclusive proof of such ineligibility.Notwithstanding the foregoing,this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a. mortgage insurance premium to the Secretary. { HERS FHA Mortgage-PA 1004N-PA(06/08) Page 6 of 10 i I I i i F i i CASE 4 DOC ID 10. Reinstatement.Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this-Security Instrument.This right applies even after foreclosure proceedings are instituted.To reinstate the Security Instrument,Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including,to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower,this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not # required immediate payment in full.However,Lender is not required to permit reinstatement if- (i)Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately.. i preceding the commencement of a current foreclosure proceeding,(ii)reinstatement will preclude foreclosure on ; different grounds in the future,or(iii)reinstatement will adversely affect the priority of the lien created by this j Security Instrument. 1 11. Borrower Not Released;Forbearance By Lender Not a Waiver.Extension of the time of payment i or modification of amortization of the sums secured by this Security Instrument granted'by Lender to any successor in interest of Borrower shall not operate to release the Iiability of the original Borrower or Borrower's successor in interest.Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest.Any, forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy, i 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 9(b).Borrowers covenants and agreements shall be joint and several.Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security ; Instrument only to mortgage,grant and convey that Borrower's interest in the Property under the terms of this f Security Instrument; (b) is not personally obligated to pay the sums secured.by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with. regard to the terms of this Security Instrument or the Note without that Borrower's consent. � 13. Notices.Any-notice to Borrower provided for in thus Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method.The notice shall be f directed to the Property Address or any other address Borrower designates by notice to Lender.Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by I notice to Borrower.Any notice provided for in this Security Instrument shalt be deemed to have been given to Borrower or Lender when given as provided in this paragraph, 14. Governing Law; Severability.This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located.In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision.To this end the i provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazat°dons.Substances. Borrower shall not cause or permit the presence, use,disposal, storage, or release of any Hazardous Substances on or in the Property.Borrower shall not do,nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law.The preceding two sentences shall MERS FHA Mortgage-PA 1004N-PA,(D6/08) Page 7 of 10 } L i " 3 I � i CASE # DOC ID jr: MIN= i not apply to the presence,use, or storage on the Property of small quantities of Hazardous Substances that are p generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation,claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous i Substance or Environmental Law of which Borrower has actual knowledge.If Borrower learns,or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance , with Environmental Law. As used in this paragraph 16,"Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasol ne, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,and radioactive materials.As used in this paragraph 16,"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: j 17. Assignment of Rents.To the extent permitted by applicable law,Borrower unconditionally assigns and transfers to Lender all theaents and revenues of the Property.Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or j Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument,Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower.This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower:(a)all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument;(b)Lender shall be entitled to collect and receive all of the rents of the Property; and(c)each tenant of the Property shall ` pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant, Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower.However,Lender or a judicially appointed receiver,may do so at any time there is i f a breach.Any application of rents shall not cure or waive any default or invalidate any other right or remedy of i s Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security ! Instrument is paid in full. j 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may foreclose this Security Instrument by judicial proceeding and invoke any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the j 1 remedies provided in this paragraph 18, including,but not limited to, attorneys' fees and costs of title evidence. . i If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 9,the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994("Act")(12 U.S.C.3751 et seq.)by i ' requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided In the Act.Nothing in the•preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. { i MFRS FNA Mortgage-PA 1004N-PA(06/08) Page 8 of 10 j • i 1 - I t L i i # . F ` t i r CASE #' DOC ID i 19. Release.Upon payment of all sums secured by this Security Instrument,this Security Instrument and ;t the estate conveyed shall terminate and become void.After such occurrence,Lender shall discharge and satisfy this Security Instrument without charge to Borrower.Borrower shall pay any recordation costs. 20. 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 i r homesteadexemption. i 21. Reinstatement Period.Borrower's time to reinstate provided in paragraph 10 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sate pursuant to this Security Instrument. 22. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 23. Interest Rafe After Judgment.Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be,the rate payable from time to time under the Note. 24. hiders to this Security Instrument` If one or more riders are executed by Borrower and recorded j together with this Security Instrument, the covenants of eacli such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s)were a part of j tins Security Instrument.[Check applicable box(es)). EJ Condominium Condominium.Rider ❑ Growing Equity Rider ❑ Planned Unit Development Rider ❑ Graduated Payment Rider ❑ Other[specify] i t BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s)executed by Borrower and recorded with it. j i (Seal) GT E. Z4&Z U Borrower (Seal) TIF NY 1. G NZ -Borrower } (Seal) } -Borrower { i i (Seal) -Borrower I • "s i i MERS FHA Mortgage-PA 1004N-PA(05108) Page 9 of 10 { i 1 f I i i s I CASE # DOC ID #:SEEMS= COMMONWEALTH OF IPENNSYLVAMA, Ct,,.Pvb vi ' County ss: r`� n t-e us L— o�n e7 On this, a� _ clay of � ,before me,the undersigned officer, ; personally appeared Gvn�.1 known to me(or satisfactorily proven).to be the person(s)whose name(s)is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. i My Commission Expires: I I COMMONWEALTH OF PENNSYLVANIA Title of Officer Notarial Seal Mildred M. O'Donnell, Notary Public Camp Hill Boro, Cumberland County M Commission Exoires Aug.30,2010 I Z...w... .- E Man�bor,Pennsylvhrllu Aaseslation of tdetsrles ; I L Cerfificate of-Residence ��'r"'�`� ,do hereby certify that the correct address of i the within-named Mor wee is 3300 S.W.34th Avenue, Suite 101,Ocala,FL 344474 or P.O.Box 2026,Flint, MI 485012026. r� �} ' Witness my hand this a 3` day of P f i t R gent of Mortgagee i i i i 1 1 . I i J MFRS FHA Mortgage-PA 1004N-PA(06108) Page 10 of 10 i 1 r i i t 1 r EXHIBIT "A" i ALL THAT CERTAIN lot or piece of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly ' . I bounded and described as follows, to wit: c BEGINNING at a'point on the West side of Maple Avenue, which point is 140 feet North of the northwest corner of Maple Avenue t and Church Street; thence northwardly along Maple -Avenue, 60 feet ! to a point; thence westwardly along the southern side of Lot No. 8, 150 feet to lands now or late of B. F. Zimmerman; thence : southwardly along.the' same, 60 feet to a point; thence eastwardly ' along the northern side of Lot No. 6, 1S0- feet to Maple Avenue to a point, the place of BEGINNING. BEING LOT No. 7 in Plan of Lots known as Revised Plan of Maple Avenue, Oakwood Park, Cumberland County, Pennsylvania, in Plan i Book'3, Page 52. BEING known and numbered as 206 Maple Avenue, Camp Hill, � Pennsylvania. i L ' I i { 3 • V. i • 1 t i i i S t 3 4! 1 ROBERT P. ZIEGL ER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE 41 CARLISLE PA 170 .3 717-240-6370 1p Instrument Number-201024547 Recorded On 9/2/2010 At 2:54:38 FM *Total)Pages-12 I ! *Instrument Type-MORTGAGE + + I Invoice Number-72043 user ID-RZ *Mortgagor-GONZALEZ,SERGIO E 'Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTE141S IlYC l *Customer-COMMUTMTY LAND TRANSFER + FEES STATE WRIT TAX $0.50 Certification Page i STATE JCS/ACCESS TO $23.50 j JUSTICE DO NOT DETACH [ I RECORDING FEES -• $25.50 RECORDER OF DEEDS Thisawe is now part PARCEL CERTIFICATION $10.00 b FEES of this legal document. ! AFFORDABLE HOUSING $11..50 I COUNTY ARCHIVES FEE $2.00 f ROD ARCHIVES FEE $3.00 TOTAL PAID $76.00 E i I r P R i I Certify this to be recorded in Cumberland County PA f + I i i cf cugf$ U O RECORDER O 4ZOS , I � Information denoted by an asterisk may change during j the verification process and may not be reflected on this page. 001XL6 --------------- - Iflllllllllllll{Ifllflfll�(l I I 9 i i i F i i 1 L s i i I I i i EXHIBIT "I)" i i , i Inst. , 201207308 - Page 1 of 3 L f Recording Requested By: CERTIFIED PROPERTY IDENTIF TION NM48MZS ! Bank of America 10-21-0277-264 HMPDEN TP Prepared By: CCGIS REGISTRY 03/13/2012 PY CM Daullo Cuenca 888.603-9011 450 E.Boundary St Chapin,SC 29036 When recorded mail to: CoreLogie ' I 450 E.Boundary St i Attn:Releage'Dept Chain,SC 29036 DoclD4 I I ! Tax l;D: 10-21-4277.264 j I Property Address: 206 Maple Ave i ! Camp H01,PA 17011-4122 Property Location: Township of HAMPDEN "-----fm Rumdcfsn5e ASSIGN D?IENt'OF MORTGAGE I..;`� , For Vaht Received,the undersigned holder of aMortgage(h etn.'Assignor)whose address is 1901. Voorhees ! eri Street;Suite C,Danville,IL 6183.4.does by grant,sell,assign;-transfer and convey unto BANK O AMERICA,1!b.4.,SUCCESSOR BY ME tR:TO SAC 11*014}E LOAN S SERVICING,,LP FKA COUNTtYWIDE HOME LOANS SERVICJNG,LP whose add.'ress is 4517TH 5T SW#18-133, WASH11jGTQN DC 20410 all beneficial in. ' t under that certei -Mortgage described below togethe with the II: { note(s)and obligations therein described and t:'money due and to.become due thereon with interest all rights accrued or to occrneunder said Mai ag { f, i j;i original.i•..enders BANK OF ::CA,NA...' MoWigor()s:' SERE E 1�0:ZALEZ,AND TIF' ANY M GONZALEZ . : : ! Date of lvlortgage: 817AlL010 ! Wgit {l ban Amount: $167,641.00 ri Recorded in Cumberland County #A pn :9t '01%book NIA,pa` e NIA and instrument number,201 24547 {- This Mortgage lies not been assigned unless o rwise stated belo. Il+f WI ,.B ''VIiHE1tEOF,'the un t ed b caused this Assignment of Mortgage to be executed o r!�:MORTGAGE ELECTRONIC REGISTRATION YSTEMS, t r gyp ward. l800S ant Seta Wy I j: J . , ,,4._• 'r.. r Inst- .# 201207308 - Page 2 of 3 • i { State of California County ofvemura' r :,fattialez . . •• • : ,. j On MAR Q 2012 before me, ! = Notary Public,personal 1, appeazed who proved to me on the basis ofUisfactory evidence to be the pgison(s)whose nsme(s)is/are subscril edto the within instrument and acknowledged tome that he/she!they ea�ectited,the;sarrte,in his/her/their authorized apacity (ies),and that by'his/herltheir signatnre(s)on the:instrtiiitent the persbn(s)-or the'entity upon behalf bf w •eh the person(s)acted,executed the instrument. I certify under PENALTY OF PERJURY tinder the laws of the!State of California that the foregoi ig , 1' paragraph is trite and correct ERICA GONZALEZ j WITNESS shy hand and official seal Commission#t 193789 z i Notary Public•Catiforn a z Los Angeles County i my-comm.Expires Jun 19. ;Ot 5 F . r Notary Public:men Dontal= (Seal) My Commission Expires:A IN I° .2015 ! I hereby:certify,iUt the address of the-within nam ed assignee is: 451 TTM ST. ;#&1 WASHINGTON DG 20410- .. Signatttre fitIJE DocID# is i F s j i Inst. # 20120730E - Page 3 of.3 i ROBERT P. ZIEGLER RECORDER OF DEEDS .. - CUMBERLAND COUNTY �= I COURTHOUSE SQUARE CARLISLE,PA 17013 - -' 717-240=6370 f Instrument Number-201207308 r 'Recorded On 3113/2012 At 8:15:15 AM *'Total Pages-3 "Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-103799 User.ID=SW ' *Mortgagor--.GONZALET;.$ERGZO E` 1 : *Mortgagee-BANK OF AMERICA N A R Customer=SIMPLIFILE LC'E-RECORDING 1 FEES STATE WRIT TA'X $0.Bori Certification Page STATE JCS/ACCESS"TO " $23.5:0. _ JUSTICE DO NOT DETAC ` RECORDINGIFEE:§, X13:00' RECORDER OF DEEDS . .PARCEL CERTI>•i6AfiION'" ''$10,.-Op This page is n.owpai t FEES of this legal documey t. COUNTY ARCHIVES, FEE' ROD;.ARCHIES F`EE` $3:0:0 TOTAL PAID *$2.Ob. :. I " I Ce i this to he recorded ' in Cu `berland County PA 4 J. RECORDER O DEEDS : *-Information enoted by an asterisk may cit atige dxk Ing: I the verlika n process and may not be refleciedon this page. :t r 1 i f i i f f t� I i I { i i I i i i Y { f i I t 1 1 f GG �/ EEXHIBIT' a I i BankofAmerica Home leans ! PRESORT ` Fist-C!ass Mail PO Bax 9,049 ' U.S.Pcstage and Temecula,CA 92585-9043 ' I I geesP d L WSID 9314 ?100 1170 0760 0547 14 E Return Receipt Requested Send Payments to: i PO Box i 5222 i Wilmington.DE 19886-5222 1 i 20140822-213 Send Correspondence to! PO Bax 5170 Simi Valley,CA 93062=5170 t 1 111 tll t t i of 11 1 1t it ttt f tt SERGIO E GONZ.ALEZ i 206 Maple Ave Camp Hill, PA 17011-4122 r I i i i I I. i i l i i r I { I BREACHPA{Chi} i i August 22,2014 Sent Certified Mail 9314 7100 1170 0760 0547 14 - Return Receipt Requested i SERGIO E GONZALEZ Account No.: 206 Maple Ave Camp Hill, PA 17011-4122 NOTICE OF INTENT TO FORECLOSE MORTGAGE i Dear SERGIO E GONZALEZ, The MORTGAGE held by BANK OP AMERICA, N.A.and serviced by Bank of America,NA.(hereinafter vie,us or ours) on your property located at 206 MAPLE AVE CAMP HILL., PA 1701 T IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amountsshown below for the months of April 1,2013-August 1,2014. } Monthly Charges: i Month Due Principal& Interest Escrow Amount {optional Products Total Monthly Charge Amount Amount 04/01/2013 $874.49 $299.52 $0.00 $1,174.01 05,0112013 $874.49 $299.52 $0.00 $1,174.01 . 06/01/2013 $874.49 $299.52 $0.00 $1,174.01 j 07/01/2013 $874.49 $299.52 $0.00 $1,174.01 '- i 08/01/2013 $874.49 $299.52 $0.00 $1,174.01 09/0112013 $874.49 $303.13 $0.00 $1,177.62 10/01/2013 $874.49. $303.13 $0.00 $1,177.62 11/0112013 $874.49 $303.13 $0.00 $1,177.62 12/01/2013 $874.49 $303.13 $0.00 $1,177.62 I 01/01/2014 $874.49 $303.13 $0.00 $1,177.62 02/0112014 $874.49 $303.13 $0.00 $1,177.62 03/01/2014 $1374.49 $303.13 $0.00 $1,177.62 04/0112014 $874.49 $303.13 $0.00 $1,177.62 I 05/01/2014 $874.49 $303.13 $0.00 $1,177.62 06/01/2014 $874.49 $303.13 $0.00 $1,177.62 07/01/2014 $874.49 $303.13 $0.00 $1,177.62 i 08101/2014 $874.49 $303.13 $0.00 $1,177.62 i Total Monthly Charges: $20,001.49 Current Late Charges: $0.00 Prior Unpaid Late Charges: $93.07 Total Other Charges/Fees: $0.0.0 i Partial Payment Balance: MMO TOTAL DUE $20,094.56 Late charges and other charges have also accrued to this date in the amount of$93.07. The total amount now required to cure this default,or in other viords,get caught up in your payments,as of the date of this letter, is$20,434.56:. � i I 9314 7100 1170 0760 0547 14 � You may cure this default within THIRTY(30) DAYS of the date of this leiter, by paying to us the above amount of 1 520;094.86,plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashiers check,certified check or money order, and made at Bank of America,N.A, PO Box 15222 Wilmington, DE 19886=5222, If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is.owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments;If full payment of the amount:of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff.to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings [ against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over$50.00. Any attorney's fees will be added to whatever you owe us,which may also include our reasonable costs. If you cure the I default within the thirty day period,you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, If you have E not cured the default within;the,thirty 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 SheritTs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attomey's fees and costs connected with the foreclosure sale[and perform any other requirements under f the mortgage), it is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be bycalling us at the following number: 1-800-669-1904. This payment must be in cash, cashier's check,certified check or money order and made payable to us at the address stated above. j i You should realize that a Sheriffs sale wig end your ownership of the mortgaged property and your right to remain in it. If you continue to We in the property after the Sheriffs sale,a lawsuit could be started to evict you. i You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE j PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM j ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR i TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES-AND ATTORNEY`S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIRE=MENTS UNDER THE MORTGAGE ARE SATISFIED]. CON-TACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ' If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. 5314 7100 11?0 0760 0547 14 i i C3 3222 6RECDISC 15353 09124112. i IMPORTANT DISCLOSURES I If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand - for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. t ) Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. i i There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, ' Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, lnc., ReconTrust Company, N.A.,and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and i rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http://www.bankofamerica,com/defauitfees, If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m.- 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSON NEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. .For additional information and to determine eligibility please contact our Military i Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. i i I I I I I i I I s r• I I s . i 9314 7100 1170 0760 9547 14 s I C3 3222 BRECDISC 15353 09124,112 ? DIVULGACIONES IMPORTANTES a Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no as un intento de recaudaci6n, una demanda de pago 0 Lin intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su I prestamo para vivienda con nosotros ni a participar an un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado an quiebras u otro j asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su prestamo para vivienda esta obligado por ley a informarle a usted j qua esta comunicaci6n proviene de un cobrador de deudas. I Ha ocurrido un incumplimiento de pago a otro tipo de incumplimiento con su prestamo qua podria resultar an la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara companias, incluyendo sus.afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of } California, Inc., LandSafe Title of Washington, Inc„ LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagark incluyendo cualquiera de sus recursos(los"Servicios relacionados l a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados par sus afiliados. Una lista de los cargos qua podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible an el sitio de Internet: fhttp:llwvm.bankofamerica.com/defaultfeesl. Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de Junes a jueves de 8 a. m. a 11 p. m. hors del este, viernes de 8 j a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p, m. hors del este, para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podfan cobrar, pero no incluye una lista completa de todos los costos y cargos que 1 podrian ser aplicados a la cuenta de su pr6stamo. i PERSONAL MILITAR/ MIEMBRO;S WJE LAS FUERZAS ARMADAS: Si Listed o su c6nyuge es un miernbro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuercas Armadas y Jas Jeyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue calif aue, incluidas protecciones contra la ejecuci6n hipotecaria asi como tambi6n ayuda en la tasa de inter6s. Para obtener mos informaci6n y determinar su calificaci6n por favor llama sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-4.30-5434. Si Listed llama desde fuera de los Estados Unidos por favor comunfquese con nosotros al 1-817-685-6491. f r f i i i i i 1 i i 9314 7100 1370 0760 0547 14 , Z C35088 OPTAVDFC 15319 09/2412012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home �. r'GM j'.Sit.+=t:�i.•`.,�t-r+i-,..�p....»�,.4�.�4:(�0 ,xr•T AYw- 4•: r.:L'•'.«W'»a..�»» `tN', . SF `� «'^T<,.«-Y,`x�*. A.; +•a,+ .+�, $ik`'y'.o, '�r', 4:5 r< E y tit«,.n,,..,;t.k;:+,:ref'..'4;.,y2 y, �e i•.,;, >. .;A. a` ... , vt' +5r2 ka.� ,;u 2, a .1�i 0. '�C aa', y✓ ,W'A,`A,.Sp4t n'<.ro,,;,rs S,-,�.ti2;.�',ft.+ i e•es+=�' +'+.; r�e'a N.sE:r#�rr,.:�`#!a3 i,Av'�wCf�'*�5+..�,;4, o�"vz�*'��pp•�,,,at;..,,a� Lel��?'$ '1:�7t1on ...r:'�••t�:� a''.E,'r'- �.-bn._c�'a»+.{���'s=�'�H w�c�;f'?, .�a�,a..`;,S+3�a€,. - a0 t.. �;4..v4h t:. � E,��S ,�'�..rt..ag. S�etJ 3k;1•:.•n".:•:•Maf r.a.. :at s'=,u.C� Mi sa.'.-::+.'>;S✓ v:d.n..s..u£: , .:ems �.. ... _;.,v'�.,'-..=';.'s:-::3 &� e'..4. m...u..-l. . _ ..3. .. --,�'=',_z,.'c:..e;_:..,._•.- ��; Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, I Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, i'Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the s following requirements: The amount you owe on the first mortgage is equal to or less than$729,750 for a 1 ' single-family home, $934,200 for a 2 unit property,$1,129,250 for a 3 unit property or i $1,403,400 for a 4 unit property You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. ; i . Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor 's physical condition that it is not habitable even if not condemned ' The mortis secured by a one to four uni�roperty Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the I Reinstatement l loan up to date until the day of your foreclosure sale. I Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest,fees, { and/or costs assessed to your loan. i 1 Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving } I from an adjustable to a-fixed-rate loan,deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. s Partial Claim (FHA If you have a Federal Housing Administration(FHA)loan and your payments are past due but I - loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/Tian on your property for the amount I { that is past due. ' Options to consider if you cannot or do not wish to stay in your home '+.»ea 40 ^:>-- :*m,. + i,.0 - 111,9114 .;,,$+;.:p,;t:l.: zS:CO''«?;CF_ ':+:'.�".•?tiv.•`F.�?•`,�i,,•px•,: � ;'8,✓.:;y;�._"`:'' "•iYy,;ks,,.,.,iy' 9`,:�t4`>'rt`T gY*'+'�ra-i',:N '.,^ ;.'' �:o... r . .a4ior �, ` . ° 'fi -;a�a:..ie , ."' , :! ta ' �� 'k. �,:F,1,y,. : s-+ r r'9 S'trr ' . Aa;y`v3,r: A i+:a !Ty;�.,: "'✓.sr;�f' a„agt`-.:. rt, ..v ' 1 i 'r t ' k ✓ ',a:A6n vire �: x'4` 6I i. +^'.y w a-.. c.. j ;: ;�, O +l f' 'lf 14h1°C 1't'6' 3 Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program if Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program. 1 'Altematives HAFA provides the option of a short safe and, if unsuccessful,a deed in lieu of foreclosure.A I Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed or>? I the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of foreclosure.A deed in lieu of foreclosure is a transaction irk which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ _- If you can no longer afford to make your mortgage payments and your home is worth less than }Fre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan.Offered to l borrowers who are not eligible for HAMP or other home retention alternatives. 1 Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure,you transfer ownership i Foreclosure of your house and all property secured by your mortgage loan.This may satisfy the total ;(non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives and who were not able to sell the propertythrough a short sale. _ We are here to help you. Please call us today. i 9314 7100 1170 0760 0547 14 i 1 C3_5088 OPTAVDFC 115319 09;24/2012 Hay opciones disponibles para ayudarle a - Evitar la Ejecucio'rn 'Hipotecaria Liame al n6mero que aparece en la notificacion adjunta para obtener mss r informaci6n Cuando llame, par favor tenga a la mano la informaci6n de sus ingresos y gastos para quo podamos . discutir cuales opciones podrian funcionar para usted. Opciones a considerar sl su objetivo es permanecer en su casa _ 1 Home Affordable Es un programa del gobierno federal qua le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, qua pueden incluir la reducci6n de la tasa de inter6s, agregar Program(RAMP) cantidades vencidas al final dei pr6stamo,y/o extender el plaza del pr6stamo. Usted I i puede calificar para este programa si cumple con ios siguientes requisitos: i i e La cantidad qua usted adeuda de su primera hipoteca as igual o manor qua $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una I j propiedad de 2 unidades, $1,129:250 d6lares para una propiedad de 3 unidades a $1,403,400 para una propiedad de 4 unidades o Usted ha documentado qua atraviesa par una dificultad financiers y declarado qua no tiene suficients iiquidez para hacer los pagos mensuales de la hipoteca. j • Obtuvo su hipoteca antes del 1 de enero de 2009. e La propiedad qua garantiza el pr6stamo hipotecario no ha sido condenada o no est6 an malas condiciones fisicas como para no poder habitarse incluso si no esta I f 1 condenada. • La hipoteca est6 garantizada par una propiedad de una a cuatro unidades. 1 j Restablecimiento Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos ( I i del Pr6stamo necesados para qua el pr6stamo est6 al dia hasta la fecha de la venta par ejecuci6n 1 hipotecaria. s Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares,ademas de i i pagar una porcion de los montos vencidos a trav6s del tiempo. Esto puede incluir capital,i inter6s,cargos o costos aplicados a su prestamo. 1 Acuerdo Temporal Es un acuerdo an el coal aceptamos no proceder con la ejecucidn hipotecaria y/o el I I de Tolerancia por cobra de los pagos par un periodo de tiempo, para permitirle qua restablezca su f incumplimiento habilidad de hacer los pagos requeridos. Modificacion de Una modificaci6n del pr6stamo as un cambia an los terminos originales de su pr6stamo, f i Prestamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el tennino o la (no par medio de fecha de pago del pr6stamo,cambiar de un pr6stamo de tasa de inter6s ajustable a uno j I ?HA.MP) de tasa de inter6s fija, diferir una parte del saldo del capital impagado al final del prestamo,y/o condonar una parte del saldo de capital impagado. I i 1 Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos i(solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disehado para qua su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca/gravamen sabre su propiedad par el monto qua est6 vencido. I i 9314 7100 1170 0760 9547 14 I C3_5088 OPTAVDFG 15319 09/24/2092 r Opciones a considerar si no puede o no desea quedarse en su casa f �r�grama f l?esc.rcpcioxt � a Home Affordable Disenado para ayudar a los prestatarios rue califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives Program Permanente a traves del programa. HAFA ofrece la posibilidad de una yenta en f (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en i lugar de la ejecuci6n hipotecaria. Una vents en descubierto es una transacci6n en la que € usted vende su propiedad por menos de la cantidad adeudada en ei prestamo(sujeto a I previo acuerdo de su administrador(prestarnista/inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n i i hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted esta de acuerdo de transfedr i voluntariamente las escrituras de su propiedad a nosotros'con el fin de evitar la eieeuci6n hipotecaria. Venta en descubierto i Sr usted ya no puede pacer sus pagos hipotecarios y su vivienda vale menos de to que J Venta previa a la usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar 1 i ejecucion hipotecaria la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto I3 (no par medio de menor de to que actualmente se adeuda en el prestarno. Se ofrece a los prestatarios que HAFA) no calif ican para HAMP o para otras alternativas de retenci6n de la vivienda. Escritura de traspaso Se usa tomo una alternativa de la ejecucion hipotecaria. Con una escritura de traspaso i de propledad en voluntario de propledad en lugar de la ejecucion hipotecaria, usted transfiere la i i lugar de la ejecucion tituladdad de su vivienda y toda is propiedad que garantiza su prestamo hipotecario. 1 hipotecaria(no por Esto Puede hacer que el monto total vencido de esa hipoteca se considere como medio de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de i retenci6n de vivienda, y que no pudieron vender la propiedad a traves de una vents en i. descublerto. t i Estamos aqui Para ayudarle. Por favor llamenos hoy, 2 L i i i I t l 1 t 1_ 9314 7100 11?0 0760 0547 14 r i M BaokofAmerica Hance Laan5 PRESORT r First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid W SO - 9314 7100 117.0 071.0 0547 21 i Return Receipt Requested l Send Payments to. PO Box 15222 } Wilmington.DE 19886-5222 C 20140822-213 Send Correspondence to.- PO o.PO Bax 5170 uL, lilt IE I1, , ] I ,b, I t, , h1111111111, Simi galley,CA 93062-5170 11 I I IIt fu)l 1 I II ll li l i t, ; TIFFANY M GONZAL.EZ 206 Maple Ave Camp Hill,PA 17011-4122 j { i if I f i i 1 I 3 I f f j i ' I f { I 1 i I i I F 1 { I I BREACHPA{CM} i f i i a August 22,2014 L z Sent Certified Mail 9314 7100 1170 0760 05.47 21 i Return Receipt Requested t' TIFFANY M GONZALEZ Account No. 206 Maple Ave Camp Hill, PA 17011-4122 l f f NOTICE OF INTENT TO FORECLOSE MORTGAGE } Dear TIFFANY M GONZALEZ, l I The MORTGAGE held by BANK OF AMERICA,N.A.and serviced by Bank of America,NA. (hereinafter we,us or ours) on your property located at 206 MAPLE AVE CAMP HILL,.PA 17011 IS IN SERIOUS DEFAULT because you have not j made the monthly payments in the amounts shown below for the months of April 1,2013-August 1.,2014. i I Monthly Charges: Month Due Principal&Interest Escrow Amount Optional Products Total Monthly Charge Amount Amount 04/01/2013 $874.49 $299.52 $0.00 $1.174.01 J 05/01/2013 $874.49 $299.52 $0.00 $1,174.01 06/01/2013 $874.49 $299.52 $0.00 $1,174.01 07101/2013 $874.49 $299.52 $0.00 $1,174,01 08/01/2013 $874.49 $299.52 $0.00 $1,174.01 I 09/01/2013 $874.49 $303.13 $0.00 $1,177.62 :0/01/2013 $874,49 $303.13 $0.00 $1,177,62 's 11.101/2013 $874.49 $303.13 $0,00 $1,177.62 i 1210112013 $874.49 $303.13 $0.00 $1,177.62 01,101/2014 $874.49 $303.13 $0.00 $1,177.62 i 02/01/2014 $874.49 $303.13 $0.00 $1.177.62 03/01/2014 $874.49 $303.13 $0.00 $1,177.62 04/01/2014 $874.49 $303.13 $0.00 $1,177.62 05/01/2014 $874.45. $303.13 $0.00 $1,177.62 06/0112014 $874.49 $303.13 $0.00 $1,177.62 07101/2014 $874.49 $303.13 $0.00 $1,177.62 08/01/2014 $874.49 $303.13 $0.00 $1,177.62 Total Monthly Charges: $20,001.49 Current Late Charges: $0.00 Prior Unpaid Late Charges: $93.07 Total Other Charges/Fees: $0.00 Partial Payment Balance: TOTAL DUE $20,094.56 Late charges and other charges have also accrued to this date in the amount of$93.07.The total amount now required to cure this default,or in other words,get caught up in your payments,as of the date of this letter, is$20,094.56. i E 9314 7100 1170 0760 0547 21 s i i. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above arnount of $20,094.58,plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. PO j Box 15222 Wilmington,DE 19886-5222. If you.do not cure the default within THIRTY (30) [SAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is.owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments_ If full payment of the amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your- mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you wi€l have to pay the reasonable attorney's fees even if they are over$50.00. Any attorney's fees will be added to whatever you owe us,which may also include our reasonable costs. If you cure the default within the thirty day period,you will not be required to pay attorney's fees, i_ s- , We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun,you still have the right to cure f the default and prevent the sale at any time up to one hour before the Shoritt's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attomey's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six j (6) months from the date of this Notice.A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800-669-1904.This payment must be in cash, I cashier's check;certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. if you continue to live in the property after the Sheriff's sale,a lawsuit could be started to evict you. You have additional, rights to help protect your interest in the property..YOU 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. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WiLL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND I ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AICD THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However,you are not entitled to this right to cure your default more than three times in any calendar year. i 1 F r 4 `t I i , i Ii 1 i I I i r a i 9314 7100 1170 0740 0547 21 i s C3_3222_BRECDISC 15353 0 ,124/12 Y IMPORTANT DiSCLOSURES I If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due I under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and i rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services'). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http://wr wv.bankofamerica.comidefaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a,m. - 11 p,m, Eastern, Friday 8 a.m, - 9 p.m. Eastern, Saturday 9 a.m.-3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. l MILITARY pERSONNELlSERViCEMEMBERS: if you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at j. 1-817-685-6491. i l i I i 9314 7100 1170 0760 0547 21 J C3_3222_6RECDISC 15353 09124/12 3 f DIVULGAC(ONES IMPORTANTES i Si Listed se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es Lin intento de recaudaci6n, una demanda de pago 0 Lin intento de imponer una responsabilidad personal por esa deuda. Usted no esta obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted Bebe cor,sLiltar con su abogado especiatizado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su prestamo para vivienda esta obligado por ley a informarle a usted i que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido Lin incumplimiento de pago a otro tipo de inalmplimiento con su prestamo que podrfa resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara s companfas, incluyendo sus afiliados LandSafe Default, Inc.. LandSafe Services, LLC., LandSafe Title of T- California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos(las"Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo par los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los j cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: (http://www,bankofamedca.com/defauftfees]. Si usted no tiene acceso a intemet, por favor � comuniquese con nosotros al 1-800-669-6607 de Junes a jueves de 8 a. m. a 11 p, m. hora del este, viemes de 8 a. m.a 9 p. m. hora del este, sabados de 9 a. m. a 3 p.m. hora del este. para pedir que se le envie una lista de j cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podtan cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si Listed o su c6nyuge es Lin miembro del servicio militar, par favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califiaue, incluidas protecciones contra la ejecuci6n hipotecaria I asi coma tambien ayuda en la tasa de lnteres. Para obtener mas informaci6n y determinar su caiificacibn por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Sf Listed llama desde fuera de las Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. r r i S f i I i 1 i f `s i T— . i I i 9314 7100 1170 0760 €1547 21 f 4 � C-_5088 OPTAVDFC 15319 09!24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home :,3 r•---'- 4 �w �_'G'i__• ' !- PlfltlT 4 4 testiptl+arr r , Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, j Program(HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the { following requirements: l j i o The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or I ! $1,403,400 for a 4 unit property i • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. Your mortgage was obtained before Jan. 1,2009. ` E e The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned The mort a e is secured b, a one to four unit.P ert I i Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay { off a portion of the past due amounts overtime. This may include principal, interest, fees, andlor costs assessed to your loan. Temporary An agreement whereby we-agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan,deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. I Partial Claim(PHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home )`x �tf"w >S' n�:•.4 y y' .4F '.s WI '+'P-`h. - 4x ��•v•SAG" • 2 ::k�?i 1 . •,h' r l4,li A" xfi4,LTCyy U �t S � 1fi++C . i•�' t1 ft�Qf7VYrl. l - t.�.r L. "ku .� .4 nkk r :.S«t .'gip.ws v }$�',i}et .o.r? x '} ti }n,,• a L: t'e. .t h''q�'�S�' zt r 0''r''� 1 Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program i Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFAprovides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure.A I Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed ON the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth'Iess than I Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what Is actually owed on the loan. Offered to ! borrowers who are rot el!gible for HAMP or other home retention alternatives_ i r---_ —_— - - —_�� �_— —_ Deed in Lieu of i Used as an alternative to foreclosure,with a deed in lieu of foreclosure,you transfer ownership i i Foreclosure I of your house and all property secured by your mortgage loan.This may satisfy the total I (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home — retention alternatives. and who were not able to setl the proEert througa short sale. ---- - -- We are here to help you. Please call us today. 9314 7100 1170 ©760 0547 21 } ! C3_5088 OPTAVOFC 15319 09i2412012 Hay opciones disponibles para ayudarle a sitar la Ejecucio" nipri Llame al n6mero clue aparece en la notificaci6n adjunta para obtener mos E informaci6n j Cuando Ilame,par favor tenga a la mano la informacion de sus ingresos y gastos para quo podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerer si su objetivo es permanecer en su casa i Home Affordable Es un programa def gobierna federal qua le permite pagar el pr6stamo balo los nuevos i f j Modification #ermines acordados, que pueden incluir la reducci6n de la tasa de interes, agregar F= i Program(HAIVIP} cantidades vencidos al final del prestamo, y/o extender el plazo del pr6stamo. Usted j puede calificar para este programa si cumple con los siguientes requisites: j • La cantidad quo usted adeuda de su primera hipoteca as igual o manor qua $$729,750 dolares para una vivienda unifamiliar, $934,200 d6lares para una j propiedad de 2 unidades, $1,129,250 dolares para una propledad de 3 unidades o $1,403,400 para una propiedad de 4 unidades I • Usted ha documentado qua atraviesa par una dificultad financiera y declarado qua no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad qua garantiza el prestamo hipotecario no ha sido condenada o no este f j an malas condiciones fisicas como para no poder habitarse incluso si no este condenada. F i + La hipoteca este garantizada por una propiedad de una a cuatro unidades. Restablecimiento Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos i del Pr6stamo necesarios para qua el pr6stamo este al dia haste la fecha de la vents por ejecuci6n hipotecaria. j Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecados regulares, adem6s de i pagar una porci6n de los montos vencidos a#rav6s del tiempo. Esto puede incluir capital, i interes,cargos o costos apiicados a su pr6stamo. j #Acuerdo Temporal Es un acuordo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el i de Tolerancia par cobro de los pagos por un periodo de tlempo, para permitirle qua restablezca su incumplimiento habilidad de hacer los pagos requaridos. Modificaci6n de Una modificaci6n del pr6stamo es un cambia an los t6rminos originales de su pr6stamo, i Prestamo Las modificaciones podrian incluir reducir su tasa de interes,extender el t6nnino o la i (no par medio de fecha de pago del pr6stamo, cambiar de un pr6stamo de Lasa de interes ajustable a uno f HAMP) de tasa de inter6s fija, diferir una parte del saldo del capital impagado al final del f 1 pr6stamo,y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos +(solamente !astan vencidos, pare shots puede hacer sus pagos regulates mensuales de la hipoteca, prestarnos de la este programa este disenado para qua su prestarno este al dia mediante la creaci6n de j FHA) una segunda hipoteca J gravamen sobre su propiedad por el monto qua este vencido. j 1 9314 7100 1170 0760 0547 21 C3_5088 OPTANIDFC 15319 09/2412012 i Opciones a considerar si no puede o no desea quedarse en su casa y�� -�'t'4g�airrtaE° >�, � °' ��' ` h a.4., ' ,4� ✓ ,. �eSC_rf .Cfflf'f a,-r--��f �� '� � �. r� -. 4i Home Affordable Diseriado para ayudar a los prestatarios que califcan para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener Una modificaci6n 1 Alternatives Program permanente a traves del programa.HAFA ofrece la posibllidad de una yenta en ( i (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en j Lugar de la ejecucibn hipotecaria. Una venta en descubierto es una transacci6n en fa que i i usted vende su propiedad por mends de la cantidad adeudada en el prestamo(sujeto a ! j previo acuerdo de su administrador/prestamista/inversionista), resultando en la i 1 liberaci6n de nuestro derecho de retenci6n sabre su propiedad y evitar la ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una transacci6n en la que usted esta de acuerdo de transferir voluntariarnente las escrituras de su propiedad a nosotros con el fin de evitar la i ejecucibn hipotecaria. I F yenta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que /yenta previa a la usted_adeuda, una vents en descubieno le.podria permitir vender su vivienda para pagan i 1 i e}ecuci6n hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta`recibir Tina monto 1(no por medio de I menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que HAFA) no califican para RAMP a para otras alternativas de retenci6n de la vivienda. Escritura de traspaso Se usa tomo una alternativa de la ejecucibn hipotecaria. Con una escritura de traspaso de propiedad en voluntario de propiedad en lugar de la ejecucion hipotecaria, usted transfiere la j lugar de la ejecucion tituiaridad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. j hipotecaria(no por Esto puede hacer que el monto total vencido de esa hipoteca se considere tomo j j media de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP.0 otras opciones de retenci6n de vivienda, y que no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor 1165monos hoy. i i j I 5314 7100 1170 0;60 0547 21 ! I r r w i VERIFICATION i hereby states that hqo is „(�/,r> �lepof I BANK OF AMERICA, N.A., the Plaintiff in this matter, and is authorized to make this Verification, and verify that statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. t Nam e Date: Title: 14-1671 GONZALEZ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff atnarat)r 4{E OTHC � Jody S Smith Chief Deputy Richard W Stewart Solicitor °Fr`IOE OF THE £HERIFF 2011; DEC 12 AM 10: Ota CUM MRL AND COUNTY PENNSYLVANIA Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, vs. Sergio Evesbio Gonzalez (et al.) Case Number 2014-6962 SHERIFF'S RETURN OF SERVICE 12/08/2014 03:49 PM - Deputy Jamie DiMartile, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Tiffany Gonzalez, Wife, who accepted as "Adult Person in Charge" for Sergio Evesbio Gonzalez at 206 Maple Avenue, Hampden Township, Camp Hill, PA 17011. DIMARTILE, DEPUTY 12/08/2014 03:49 PM - Deputy Jamie DiMartile, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Tiffany E Gonzalez at 206 Maple Avenue, Hampden Township, Camp Hill, PA 17011. 1111116 �'1f IE DIMARTILE, DEPUTY SHERIFF COST: $60.95 SO ANSWERS, December 09, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuile Sheriff, Teieosoft. Inc.