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Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County y The information collected on this form is used solely for court administration purposes. This form does not supplement or re lace thefiling and service ofpleadiW or other papers as required by law or rules of court. Commencement of Action: Z Complaint El Writ of Summons ❑ Petition S E] Transfer from Another Jurisdiction E] Declaration of Taking E Lead Plaintiffs Name: JPMorgan Chase Bank, Lead Defendant's Name: Sean R. O'Brien C National Association T Dollar Amount Requested: ❑within arbitration limits I Are money damages requested?: ❑ Yes No (Check one) outside arbitration limits 0 N Is this a Class Action Suit? M Yes N No _TIs this an MDJ Appeal? ❑ Yes No A Name of Plaintiff/Appellant's Attorney:Christopher A.DeNardo,Esquire ❑ Check here if you have no.attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS F1 Intentional F-1 Buyer Plaintiff Administrative Agencies D Malicious Prosecution n Debt Collection:Credit Card M Board of Assessment ❑ Motor Vehicle E] Debt Collection:Other F1 Board of Elections ❑ Nuisance n Dept.of Transportation ❑ Premises Liability r_1 Statutory Appeal:Other S r_1 Product Liability(does not F1 Employment Dispute: E include mass tort) Discrimination ❑ Slander/Libel/Defamation F1 Employment Dispute: Other F1 Zoning Board C ❑ Other: T F1 Other: I n Other: 0 MASS TORT N R Asbestos M Tobacco F-1 Toxic Tort-DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste n Ejectment M Common Law/Statutory Arbitration B ❑ Other: M Eminent Domain/Condemnation El Declaratory Judgment 0 Ground Rent F1 Mandamus F1 Landlord/Tenant Dispute F1 Non-Domestic Relations Z Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY F1 Mortgage Foreclosure:Commercial M Quo Warranto n Dental n Partition E] Replevin ❑ Legal n Quiet Title 0 Other: ❑ Medical F1 Other: ❑ Other Professional: Updated 11112011 SHAPIRO&DeNARDO, LLC - BY: CHRISTOPHER A. DeNARDO, ESQUIRE,ATTORNEY I.D.NO. 78447 BRADLEY J. OSBORNE,ATTORNEY I.D.NO. 312169 CHANDRA M. ARKEMA,ATTORNEY I.D.NO. 203437 LEEANE O. HUGGINS,ATTORNEY I.D.NO. 85144 SARAH K. McCAFFERY, ATTORNEY I.D.NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA,PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 14-047305 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF 7 CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Sean R. O'Brien 1176 Heron Court Mechanicsburg, PA 17050 DEFENDANT COMPLAINT-CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES,YOU MUST TAKE ACTION WITHIN TWENTY(20)DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED,BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. v 9V6 Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. +. s NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE(20)DIAS DE PLAZO AL PARTIR DE LA FECRA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE,LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QU.EJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service .Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 SHAPIRO&DeNARDO,LLC BY: CHRISTOPHER A.DeNARDO> I.D.SO5 312 69EY I.D.NO. 78447 BRADLEY J. OSBORNE,ATFORNEY CHANDRA M. ARKEMA,ATTORNEY I.D.NO.203437 LEEANE O.HUGGINS,ATTORNEY I.D.NO. 851.44 SARAH K. McCAFFERY,ATTORNEY I.D.NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA,PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 14-047305 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF � CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Sean R. O'Brien 1176 Heron Court Mechanicsburg,PA 17050 DEFENDANT ; COMPLAPiT IN MORTGAGE FORECLOSURE Plaintiff,JPMorgan Chase Bank,National Association,the address,of which is, 3415 Vision Drive, Columbus, Ohio 43219,brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: as nominee for Mortgagee: Mortgage Electronic Registration Systems,Inc., MetLife Home Loans, a Division of MetLife Bank,N.A., its successors and assigns Morta or s : Sean R. O'Brien (b) Date of Mortgage: August 27, 2009 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Document ID#200930954 Date: September 3, 2009 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P.No. 1019(8). Atrue and correct copy of the Mortgage byisttached � hereto and marked as Exhibit A and incorporated here y (d) Ass gnment: Assignor: Mortgage Electronic Registration Systems, s successors as nominee for and assigns etLife Home Loans, a Division of MetLife Bank,N.A., it Assignee: JPMorgan Chase Bank,National Association Date of Assignment: October 7, 2013 Recording Date: October 10, 2013 Instrument No.: 201333476 The Assignment is a matter a matter of public record and is therefore incorporated herein as provided by Pa. R.C.P.No. 1019(g). 2. Plaintiff is the current holder of the mortgage by operation of law. 3. The real property that is subject to the Mortgage is generally known as 1176 Heron Court, Mechanicsburg, PA 17050 and is more specifically described as attached as part of Exhibit "A". 4. Each Mortgagor named in Paragraph1 executed a note as evidence of the debt secured by the Mortgage (the Promissory Note'). A true and correct copy of the Promissory Note is attached and marked as Exhibit"B". 5. The name and mailing address of the Defendant is: Sean R. O'Brien, 1176 Heron Court, Mechanicsburg, PA 17050. 6. The interest of each individual Defendant is as Mortgagor,Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized of and have not been paid, and upon failure to make such payment when due,the whole the principal,together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of November 6, 2014: $182,312.58 Principal Balance Due $5,583.34 Interest Currently Due and Owing at 5.25% From April 1, 2014 through October 31, 2014 $226.36 Late Charges $1,298.88 Escrow Advances $189,421.16 TOTAL 9. Interest continues to accrue for each month that the debt remains e Note and Mortgage.unpaid, and Plaintiff may incur other expenses, costs and charges collectible and Y 10. In addition to the above amounts,reasonably incurred attorney's fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11.Notice pursuant to the Homeowners'Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et se .,was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit"C" in accordance with Pa.R.C.P. 1019(i). 12.Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403 commonly known as Act 6 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit"C". 13. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707-1715z-18). Accordingly, the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE,Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9,together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Promissory Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO &DeNARDO, LLC Date: 1 26'1 BY: *Attfoaintiffso� NE,ESQ. S &D File No. 14-047305 Request for Service Sheriffs Office Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle,PA 17013 Ph: 717.240.6390 Fx: 717.240.6397 rtaintiffis: Court Number: or an Chase Bank,National Expiration Date: g Association Type of Action: Complaint in Mortgage Foreclosure IIS Defendant/s: Sean R. O'Brien i Serve Upon: Occupants Address for Service: 1176 Heron Court Mechanicsburg, PA 17050 Alternate Address for Service: Type of Service: Adult in Charge Personal —Deputize Certified Mail _Posting(Copy of court Order required) rcialService Instructions: f service is to be made by deputized service to another county please specify which county Filing Attorney's Information: Name: Shapiro &DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia,PA 19406 Telephone: (610)278-6800 u y FORM 1 1N THE COURT OF COMMON PLEAS OF JPMorgan Chase Bank,National Association : CUMBERLAND COUNTY, r PENNSYLVANIA Plaintiff(s) -^- =' VS. Sean R. O'Brien 1176 Heron Court w Mechanicsburg, PA 17050 l n DEFENDANT Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference.First,within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative,you must promptly meet with that legal representative within twenty(20)days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto,the legal representative will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60)days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference.It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM IS FREE. r Respectfully submitted: SHAPIRO &DeNARDO,LLC Date Attorne for Plaintiff BRA E J.OSBORNE,ESQ. i FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best ofyour knowledge: CUSTOM Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes No Listing Date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied? Yes No Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household How Long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household How Long? FINANCIAL • • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes &Insurance: Date of Last Payment: Primary Reason for Default: Is the Loan in Bankruptcy? Yes No r • r If yes,provide names, location of court, case number& attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: Year: Amount Owed: Value: Automobile#2: Model: Year: Amount Owed: Value: Other transportation(automobiles boats,.motorcycles): Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1, monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Ex enses: Please only include ex enses you are currently a 'n EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food -Pa-'Mortgage Utilities Car Payment(s)) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/re airs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Sending Money Day/Child Care/Twit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes No If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: r 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes No If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes No If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m financial situation for possible mortgage options. I/We understand that I/We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement(if property is currently on the market) FORM 3 IN THE COURT OF COMMON PLEAS OF JPMorgan Chase Bank,National Association CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Sean R. O'Brien 1176 Heron Court Mechanicsburg, PA 17050 DEFENDANT Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program,the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative, Signature of Defendant Date Signature of Defendant Date r FORM 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Plaintiff(s) vS. Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW,this_day of , 20 ,the defendant/borrower in the above-captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendantiborrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in a court-supervised conciliation Conference on at .M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendantiborrower must serve upon the plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2)which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court,the case shall be removed from the Conciliation Conference w � schedule and the temporary stay of proceedings shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference,the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage;paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT J. . r : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference.First,within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at(717) 243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative,you must promptly meet with that legal representative within twenty(20)days of the appointment date.During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto,the legal representative will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60)days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference work out reasonable you will rrangements with your lender before the mortgage foreclosure nity to meet with a representative of your lender m an attempt to suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference.It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative.However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf.If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a t be filed with the Court within sixty(60) Request for Conciliation Conference with the Court,which mus days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM IS FREE. Respectfully submitted: 1 [Signa u of unsel for Plaintiff] Date L J.OSBORNE,ESQ. Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please rovide the following information to the best of your knowledge: CUSTOM Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes No Listing Date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied? Yes No Mailing Address (if different): City: State: Zip: Phone Numbers: Hoene: Office: Cell: Other: Email: #of people in household How Long. CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household How Long? FINANCIAL • • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes &Insurance: Date of Last Payment: Primary Reason for Default: Is the Loan in Bankruptcy? Yes No s If yes,provide names, location of court, case number& attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: Year: Amount Owed: Value: Automobile#2: Model: Year: Amount Owed: Value: Other transportation (automobiles,boats, motorcycles): Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description(not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: Please only include ex enses you are curTrently pa 'n EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2n Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes No If yes,please provide the following information: Counseling Agency: Counselor: d Phone(Office): . Fax: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes No If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes No If yes,please indicate the status of those negotiations: Please provide the following information, if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m financial situation for possible mortgage options. I/We understand that I/We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement(if property is currently on the market) 0001 RS Prepared By: MetLife Home Loans, a Division of MetLife Bank, N.A. 4076 Market Street Camp Hill, PA 17011 Return To: MetLife Home Loans - POST CLSG MAIL RM 1555 W Walnut Hill Ln #200 MC 6712 Irving, TX 75038 Parcel Number: County: 1 G.�'�,.L City: Premises: 1176 HERON COURT MECHANICSBURG, Pennsylvania 17050 [Space Above TIAs Line For Recording Data] Commonwealth o£Pennsylvania FHA Casc No. PURCHASE MONEY MORTGAGE MIN THIS MORTGAGE ("Security Instrument")is given on August 27, 2009 The Mortgagor is SEAN R O'BRIEN ("Borrower").This Security Instrument is given to Mortgage Electronic Registration Systems,Inc. (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns), as mortgagee. MERS is organized and existing under the laws of Delaware,and MERS has a mailing address of P.O.Box 2026,Flint,MI 48501-2026 and a street address of 3300 S.W.34th Avenue,Suite 101,Ocala,FL 34474. The MERS telephone number is(888)679-MERS. MetLife Home Loans, a Division of MetLife Bank, N.A. ("Lender")is organized and existing under the laws of THE UNITED STATES OF AMERICA ,and VMPOatgage w .PA Revited M Amend Wdun ed CJ02 !// vMNWA)(08K.00olters Kluwer Finan isl Scrvlces Initials: J V Page 1 of 11 . 4 1 has an address of 4000 HORIZON WAY, IRVING, TEXAS 75063 Borrower owes Lender the principal sum of ONE HUNDRED NINETY SIX THOUSAND TWO HUNDRED SEVENTY EIGHT & 00/100 Dollars(U.S.$ 196,278.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"),which provides for monthly payments, with the hill debt, if not paid earlier, due and payable on SEPTEMBER 1, 2039 . 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 tinder 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 as nominee for Lender and Lender's successors and assigns)and to the successors and assigns of MFRS,the following described property located in Cumberland County,Pennsylvania: which has the address of 1176 HERON COURT (Street MECHANICSBURG (City],Pennsylvania 1,7050 (Zip Code] ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument;but,if necessary to comply with law or custom,MFRS,(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. 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. ortteso Wt M .PA Revised 4M Amended 6W VMP© a VMPiN(PAPge2)AO Wolters Kluamr FimacSal Betulas 1n]tltds: iJl� Page 2 of 11 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: UNIFORM COVENANTS. 1.Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal 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 rents on the Property,and (c) premiums for insurance required under paragraph 4. Iu any year in which the 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 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 seg. 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 not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. 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(c) 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 account shall be credited with any balance remaining for all installments for items(a),(b),and(c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: i t,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; VM Moagage with MM-PA Rcvked 4/96 Am=dad 602 ",W4N(PA)(080).00 Wdtas r7ttwu F7oaaelal Betulas Igltitds: �� Page 3 of 11 w j Second,to any taxes,special assessments,leasehold payments or ground rents,and fire,flood and other hazard insurance premiums,as required; Third,to interest due under the Note; Fourth,to amortization of the principal of the Note;and 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 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 shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower.Each 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 of the 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 insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 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 farce shall pass to the purchaser. S. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. 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 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 protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan 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 FHA VMP®@tyspe aIIL MERS•PA ed4/ASN(PA)Ammded 602 sp,l ofO waKh Wolters twer rlcmela semeas {( vMP41nItlets: �__ (1 4 of 11 occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold,Borrower shall comply with the provisions of the lease.If Borrower acquires fee title to the Property, the leasehold 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 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 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 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 legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights 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 to pay 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 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 mentioned in paragraph 2. 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 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 lien 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 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. S.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 it FNA Mortgage with MFRS-PA4/96 Amended GM VMPO IoStleta: �VMP4N(PA)age5.00 W olteea Mower F taocial Serview (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. (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. (c) No Waiver. If circumstances occur that would permit bender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to 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 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 60 days from the date hereof declining to insure this Security Instrument and the Note, shall be 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. 10.Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in M 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 M.However,Lender is not required to permit reinstatement if.(i)Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii)reinstatement will preclude foreclosure FM VMP�nYeBe with MFRS-PA Revis 4/96 Amtnded 6/02 WORCM Muacr rm ucile7 SaAca �VMP4N(PA)31e 6 f i Initials: Paye 6 of l l on different grounds in the future,or(rix)reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released, Forbearance By Lender Not a Waiver. Extension of the time of payment 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 liability 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. 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). Borrower's 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 Security Instrument; (b) is not personally obligated to pay thesums 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 this 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 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 notice to Borrower.Any notice provided far in this Security Instrument shall 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 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.Hazardous 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 not apply to the presence,use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. VC®onto a1tL MFRS-PA M RR�eett,�y��ed 4/96 Avrended 6''02 Wolters Musa M-183 Ser Aces S V VMP4N(PA)(08061.00 Iniddoc Pa;e 7 of l l 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 Substance or Environmental Law of which Borrower has actual involving 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: gasoline, 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 a "Environmental Law" means lbderal 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: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents 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 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 a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender.This assignment of rents of the Property shall terminate when the debt secured by the Security Instr ment is paid in M. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may foreclose this Security Instrument by judicial proceeding. bender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 18,including, but not limited to, attorneys'fees and costs of title evidence. 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 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. VMP8 A RtvLs 4/9,,AmmdodNO2 Waltcra Kluwer Fi�aciel Services r j�V�1P4N(PA)(08P6).00 Impels. NBC 8 of 11 19. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence,Lender shall discharge and satisfy this Security Instrument 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 homestead exemption. 21. Reinstatement Period. Borrower's time to-reinstate provided in paragraph 20 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale 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 Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. 24.Riders to this Security Instrinnent. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each 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 this Security Instrument. [Check applicable box(es)]. Condominium Rider Q Growing Eqnity Rider Other[specify] Pjanned Unit Development Rider Q Graduated Payment Rider FHA Mortgage with R --PA Rcvis 4/96 Amcodod 6111 vMP® 1//VMP4N(PA)f0806).00 WWtaa I.7uwet Fuwaeial Services Initials: �`r Page 9 of 11 BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in Us Security Instrument and in any rider(s)executed by Borrower and recorded with it. Witnesses: (Seal) SEAN R O'BRIEN -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower. (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower I'M Mortgage with MERS-PA Revised 4196 Amended&M Wolters Kluwer Firansial Services ../l 111(PA)(0801).00 lnitfda: Page 10 of 11 COMMONWEALTH.OF PENNSYLVANIA, DAUPHIN oil 92County ss: rsonall�a ease �Y of .�t da� , before me,the undersigned officer, pe Y pp SEAN R 0 BRIE person(s) whose name(s) islare subscribed to the within instrument known to wand acknowledgedor satisfactorily pthat to executed the same for the purposes herein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. My Commission Expires: NOTARIAL SEAL TINA L FULLERTON Nolary Public LOWER PAXTON TOWNSHIP DAUPHIN COUNTY Title of Officer My Commission Expires Jan 19, 201 T Certificate of Residence I' I "' "'"` �n ,do hereby certify that the correct address of the within-named Mortgagee is 3300 S.W.34th Avenue, Suite 101, Ocala,FL 34474, P.O.Box 2026,Fliut,.W 48501-2026. t Witness my hand this �'�.� day of O U ,1.04"1 4-5v fi.Xly►��. � ���J�'c.�'vL�, Agent of Mortgagee ®or gage wi . A RPod4/96Amwded 6M Wolters Muwar Finj auclai Services VMP4N(PA)(p pp loldeb! �+ Paye it or 11 y � PLANNED UNIT DEVELOPMENT RIDER FHA Case No. TITS PLANNED UNIT DEVELOPMENT August 2009 � RIDER is made this 27th s lement ,and is incorporated into and shall be deemed to amend and `ay of same give Mortgage, Deed of Trust or Security Deed (-Security " date given by the undersigned ("Borrower" to �' Xnstntment ) of the MetLife Home Loans, a Division "B ro ) secure Borrower's Note ("Note") to tLife Bank, N.A. ("Lander") of the same and located at; date and covering the Property described in the Security Instrument 1176 HERON COURT, MECHA=CSBURG, PA 27050 [Property Address] The Property Address is a Part of a planned unit development ("PUD") known as PUD COVENANTS, [Name ofPlanned Unit Development] Instrument,Borrower and Lenderafiuthercovethe covenants nantanti agree as llow and greements made in the Security A. So long as the Owners Association (or equivalent entity holding title to common are-as and facilities)p ted acting as trustee for the homeowners, maintains, with a generally acce Policy insuringP insurance carrier, a "master" or "blanket" now existing or hereafter the Property located in the PTJD, including all improvements is satisfactory erected on the mortgaged premises, and such policy to Lender and provides insurance coverage the periods, and against the hazards in the amounts, for hazards included withinLender requires, including lure and other the extent required Vieth Sect m "extended coverage," and loss by flood, to Paragraph 2 of this Security Secretary, then: (i) Lender waives the provision in Instrument for the monthly payment to Lender of FHA PUD hider l © te W VMP589U(08067.00 wer Fi Wolters Klunancial Services 2008D Page 1 of 3 Initials:J° one-twelfth Property, and of the yearly Premium (ii) Borrow hazard obligati n under forhazardh d insurance on the Instrument to m�� satisfied to the extent insurance coverage P 4 of rims Security Association that the required coverage s the Property is deemed Policy, Borroweris provided required hazard insurance shah give Lender by the Owners In the coverage and prompt notice of any lapse in event of a distribution of any loss occurring restoration or repair follow' from a hazard. facilities � a loss to insurance proceeds of the PUD the Property or to common m lieu of and shall be paid tiny Lender f payable to Borrower are areas and Security Instrument for application hereby assigned ' �any excess paid to the entity to the sums secured B- Borrower ty to entitled thereto. by this legal Promises to pay �( dues and g instruments creating and gave assessments governing the PUD. unposed pursuant to the C' If Borrower does may pay them. Any pay PUD dues and assessments shall become Y amounts disbursed when due, additional debt by Lender under the Lender Unless Borrower of Borrower secured this Paragraph C amounts and Lender agree to other termsby the Security Imtrument. shall shall be interest from be payable, the date of disbuusement of payment, these requestin interest, upon notice at the Note rate and g payment. from bender to Borrower FHA.PUD Rider VW @) Wolters Kluwer Financial Services 2008 Vh0589U(080 ,00 Page 2 of 3 Initials: 0 BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. 0-z' (Seal) (Seal) SEAN R 01BRIEN -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower FHA PUD Rider VNT589U(0806).00 VMP® Page 3 Qf 3 Wolters Kluwer Financial Services 2008D Initials: Exhibit A ALL THAT CERTAIN tract or parcel of land situate in Hampden Township, Cumberland County,being more particularly bounded and described as follows,to wit: BEGINNING at a point on the eastern right-of-way line of Heron Court at the common front property corner of Unit No. N-3 and Unit No. N-4 as shown on the hereinafter mentioned plan of lots;thence along said right-of-way line of Heron Court by a curve to the left having a radius of 60.00 feet and an are length of 20.00 feet to a point at the dividing line between Unit No. N-2 and Unit No. N-3; thence along said dividing line North 41 degrees 21 minutes 35 seconds East, a distance of 13.35 feet; thence continuing along said dividing line North 60 degrees 27 minutes 30 seconds East, a distance of 94.23 feet to a point; thence South 29 degrees 32 minutes 30 seconds East, a distance of 24.00 . feet to a point at the dividing line between Unit No. N-3 and Unit No. N-4; thence along said dividing line South 60 degrees 27 minutes 30 seconds West, a distance of 103.54 feet to a point; said point being the place of BEGINNING. CONTAINING 2,493 square feet. BEING Unit No. N-3 on plan entitled "Final Subdivision Plan for Townes of Cross Creek, Hampden Township, Cumberland County, Pennsylvania" dated March 23, 2000, last revised July 12, 2000 by Alpha Consulting Engineers, Inc. and recorded on August 9, 2000 in the Office of the Recorder of Deed in and for Cumberland County, Pennsylvania in Plan Book 81, Page 108. ROBERT P. ZIEGLER RECORDER OF DEEDS j, n q ;, CUMBERLAND COUNTY t �'i=ce r tl 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 -fir., � - � • a Instrument Number-200930954 Recorded On 9/3/2009 At 10:18:53 AM *Total Pages- 16 *Instrument Type-MORTGAGE Invoice Number-51693 - User ID-RAK *Mortgagor-OBRIEN,SEAN R *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer-NORTH MOUNTAIN *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING FEES — $33.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $70.50 I Certify this to be recorded in Cumberland County PA CU 9 ° RECORDER O� DS 1780 *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 0001 RS II(IIIIIIII(I 111(1 I I II II w Multistate NOTE FHA Case No. August 27th, 2009 O [Date] 1176 HERON COURT, MECHANICSBURG, Pennsylvania 17050 [Property Address] 1.PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender" means MetLife Home Loans, a Division of MetLife Bank, N.A. and its successors and assigns. 2.BORROWER'S PROMISE TO PAY;INTEREST In return for a loan received from Lender,Borrower promises to pay the principal sum of ONE HUNDRED NINETY SIX THOUSAND TWO HUNDRED SEVENTY EIGHT & 00/100 Dollars P.S. $ 196,278.00 ),plus interest, to the order of bender. Interest will be charged on unpaid principal; from the date of disbursement of the loan proceeds by Lender,at the rate of FIVE AND ONE-QUARTER percent( . 5.250 %)per year until the full amount of principal has been paid. 3.PROMISE TO PAY SECURED Borrower's 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.MANNER OF PAYMENT (A) Time ` Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on October 1st , 2009 . Any principal and interest remaining on the first day of September , 2039 ,will be due on that date,which is called the "Maturity Date." (B) Place Payment shall be made at PO BOX 809, MEMPHIS. TN 38101 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S.$ 1,083.86 This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal,interest and other items in the order described in the Security Instrument (D) Allonge to this Note for payment adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note,the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. [Check applicable box] ❑Graduated Payment Allonge ❑Growing Equity Allonge ❑Other [specify] ® tisute Fixed Rate Note (�/� VMP'R(OM.00 Wdtas Muacr Fmmclal Services kJ 6/ Page 1 ora 5.BORROWER'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 any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6.BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument,as described in Paragraph 4(C) of this Note, by the end of fifteen calendar days after the payment is due, Lender may collect a late charge in the amount of FOUR percent( 4.0 0 %)of the overdue amount of each payment. (B) Default 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 the principal balance remaining due and all accrued interest.Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default.In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this'Note, "Secretary"means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required immediate payment in full,as described above, Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 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 other 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 by deliveriug 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 that 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 If more than one person signs this Note,each person is fully and personally obligated to keep-all of the promises made in this Note,including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note,is also obligated to keep all of the"promises made in this Note.Lender may enforce its rights under this Now against each person individually or against all signatories together.Any one person signing this Note may be required to pay all of the amounts owed under this Note. FHA twate a Note 10195 VMP VMPIR(a mt Famer Financial Services �� Page 2 of BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. (Seal) (Seal) EAN R 0'BRYEN -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower Pay to the order of Without recourse MetLife Home loans,a Division of MetLife Bank,N.A. By U Ed Fisher,Manager-Loan Administration t c tate nm ote ole 10!95 VMP® O VMPSR(0809).00 mower er Fundal somea Page 3 of 3 Chase(OH4-7399) CHASE 0 P.O.Box 183205 Columbus,OH 43218 For Undeliverable Mail Only 07/09/2014 058615.1 of 3 NSPOHDLA•ZA J2577681 0000000 SEAN R OBRIEN 1176 HERON COURT MECHANICSBURG,PA 17050 NOTICE OF INTENT TO FORECLOSE MORTGAGE Account: ******5341 (the"Loan") Property Address: 1176 HERON COURT MECHANICSBURG,PA 17050(the"Property") Dear SEAN R OBRIEN: Under the terms of the Mortgage or Deed of Trust("Security Instrument")securing your Loan,JPMorgan Chase Bank,N.A.("Chase"),as servicer of your loan,hereby notifies you of the following: 1. You are in default because you have failed to pay the required monthly installments commencing with the payment due 05/01/2014 for the mortgage held by JPMorgan Chase Bank,National Association. 2. As of 07/09/2014,total monthly payments(including principal, interest,and escrow if applicable), late fees,insufficient funds (NSF)fees,and other fees and advances due under the terms of your loan documents in the total amount of$4,357.13 are past due. This past-due amount is itemized below. If applicable,your account may have additional escrow amounts that have been paid out and are due on the Loan. 3. If you have any questions about the amounts detailed below,please contact us as soon as possible at 800-848-9380. Total Monthly Payments $4,243.95 Late Fees $113.18 NSF Fees $0.00 Other Fees and Advances* $0.00 Advances* $0.00 Amount Held in Suspense $0.00 *Other Fees and Advances include those amounts assessed in accordance with your loan documents, and/or permitted by applicable law, or that were authorized for services rendered. If you need additional information regarding any of these amounts,please contact us at the number provided below. You are also responsible for paying any amounts that become due from the date of this letter through the expiration date of 08/11/2014 set forth in Paragraph 4 below. These amounts may include,but are not limited to,taxes,insurance,inspection fees and other fees,as permitted by applicable law. If you have any reason to dispute the past-due amount listed above,or if you believe your Loan is current,please contact us at the number provided below. 4. If you are unable to pay your account current within 33 days,we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owed 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 33 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 default within the 33-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. 5. You have the right to cure the default,or anyone acting on your behalf, and pay your account current anytime at least one hour prior to the commencement of bidding at a sheriff's sale or other judicial sale,not more than three times in any calendar year. To do so,you must: a) Pay or tender in the form of cash,cashier's check or certified check all sums that would have been due at the time of payment or tender in the absence of default and the exercise of acceleration; b) Perform any other obligation which you would have been bound to perform in the absence of default or the exercise of acceleration; c) Pay or tender any reasonable attorney's fees the reasonable costs of proceeding to foreclosure that were actually incurred up to and including the date the debtor cures the default,as specified in writing by the mortgagee; d) Pay any reasonable late penalty,if outlined in the mortgage. Action required to cure the default: You must pay the Total Monthly Payments listed in Paragraph 2 within 33 days from the date of this notice in order to cure this default. All late fees, NSF fees,and other fees and advances are still valid and will need to be repaid under the terms of your loan documents. 6. If you fail to cure the default on or before 08/11/2014, Chase may accelerate the maturity of the Loan,declare all sums secured by the Security Instrument immediately due and payable,and commence foreclosure by judicial proceeding and sale of the Property. If this happens, Chase will be entitled to collect its expenses incurred in pursuing the remedies provided in the Security Instrument,which may include,but not be limited to,allowable foreclosure/attorney fees and other expenses permitted by your loan documents or applicable law. 7. If permitted by your loan documents or applicable law,you have the right to reinstate after acceleration of the Loan and the right to bring a court action to assert the nonexistence of a default or any other defense to acceleration,foreclosure,and sale.However,the amount required to reinstate may be higher than what is owed under Paragraph 2 above due to additional fees and charges that we are entitled to collect under the Loan, including attorney fees,if permitted by law, related to any foreclosure action we initiate. 8. Kindly remit the total amount due,shown in Paragraph 2 above,to the remittance address listed below. Please note that Chase policy requires certified funds if two insufficient funds(NSF) payments have been received in the last six months. In this event, Chase will not accept a Direct Check,FastPay or SpeedPay payment. Payments cannot be made at Chase retail bank branches. Please refer to the addresses below for payment information or contact us if you have any questions. Regular Mail: CHASE PO BOX 78420 PHOENIX,AZ 85062-8420 Overnight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX,AZ 85034-9700 Except as required by law,we are under no obligation to accept less than the full amount owed. If you send us less than the full amount owed,we may in our sole discretion apply such partial P ayment to your Loan without waiving any default or waiving our right to accelerate the Loan and continue with foreclosure proceedings in accordance with Paragraph 4 above. 9. If you are unable to pay the amount past due, Chase has a variety.of homeowners' assistance programs that might help you resolve your default and keep your home;however,we need to talk with you to discuss these options and determine which of them might be appropriate for your circumstances. Please call us as soon as possible at 800-848-9380. 10. While the Loan remains in default,we will perform certain tasks to protect our interest in the Property,including visits to your Property at regular intervals during the default. This will be done to determine,as of the date of the inspection the property condition,occupancy status,and,possibly, your plans for curing the default and paying this Loan on time. You should anticipate that any costs incurred by Chase will be added to the amount you now owe if permitted by your loan documents or applicable law. 11. 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 attorney fees and costs are paid prior to or at the sale(and that the other requirements under the mortgage are satisfied). Contact us to determine under what circumstances this right may exist.You have the right to have this default cured by any third party acting on your behalf. Chase offers homeownership counseling services to borrowers in some areas. Counseling is also available through a variety of nonprofit organizations experienced in homeownership counseling and approved by the Secretary of Housing and Urban Development(HUD).A listing of such organizations may be obtained by calling HUD toll-free at 800-569-4287 or at www.hud.gov. Sincerely, Chase 800-848-9380 800-582-0542 TDD/Text Telephone www.chase.com Enclosure -Federal Trade Commission Pamphlet 058615-2 of 3 NSPOHDLA-ZA J2577681 0000000 IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA). This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law. SCRA and state military benefits and protections also may be available if you are the dependent of an eligible servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 866-840-5826. An important reminder for all our customers: As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan" distributed by the Obama Administration,"Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org or by calling 888-995-HOPE; 888-995-4673.We offer loan modification assistance free of charge(i.e.,no modification fee required).Please call us immediately at 866-550-5705 to discuss your options. The longer you delay,the fewer options you may have. We are attempting to collect a debt,and any information obtained will be used for that purpose. If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address and telephone number. To the extent your original obligation was discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However, a secured party retains rights under its security instrument,including the right to foreclose its lien. BR840 Ari; tarit.rr.�c�sw�ie..tcUi�i t�?f>>:Fefr3�. :. Facing foreclosure? Scammers are targeting people having trouble paying their mortgages. Some claim to be able to "rescue" homeowners from foreclosures, while others promise loan modifications — for a fee. The Federal Trade Commission, the nation's consumer protection agency,wants you to know how to avoid scams that could make your housing situation go from bad to worse. Don't Get Hit by a Pitch. Imitations = Frustrations. "We can stop your foreclosure!" Some con artists use names, phone numbers, "97%success rate!" and websites to make it look like they're part "Guaranteed to save your home!" of the government. If you want to contact a These kinds of claims are the tell-tale signs of government agency, ty a foreclosure rip-off. Steer clear of anyone pe the web address directly into your browser and look up any who offers an easy out. address you aren't sure about. Use phone numbers listed on websites; r Don't Pay for a Promise. reliable sources, like the Blue Pages inn ourer Don't pay any business, organization, or phone directory. Don't click on links or open person who promises to prevent foreclosure or any attachments in-unexpected emails. get you a new mortgage. These so-called "foreclosure rescue companies"claim they Talk to a HUD-Certified Counseling can help save your home, but they're out to Agency - For Free. make a quick buck. Some may request hefty If you're havingTrouble paying fees in advance—and then stop returningour � p d g Your mortgage calls. Others may string Y or you've already gotten a delinquency notice, Y g you along before free help is a phone call away. Call 1-888-995 disclosing their charges. Cut off all dealings if -HOPE for free personalized advice from . someone insists on a fee. housing counseling agencies certified by the Send Payments Directly. U.S. Department of Housing and Urban Development(HUD). This national hotline— Some scammers offer to handle financial open 24/7—is operated by the arrangements for you, but then just pocket Homeownership Preservation Foundation, a your payment. Send your mortgage payments nonprofit member of the HOPE NOW ONLY to your mortgage servicer. Alliance of mortgage industry members and HUD-certified counseling agencies. For free Don't Pay for a Second Opinion. guidance online, visit www.liopenow.com. Have you applied for a loan modification and For free information on the President's plan to been turned down?Never pay for a"second help homeowners, visit opinion," www.makingliomeaffordable.gov. `,'` eelerl Tri<z Gpr inssiiri: fCc,gciv/b1c>ney.t�atttrs 058615-3 of 3 NSPOHDLA-ZA J2577681 O0000OO Call 1 -888-995..HOPE for free personalized guidance from housing counseling agencies certified by the U.S. Department of Housing and Urban Development. The Homeowner's HOPETM Hotline - open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. Or visit Www- hopenow. com For free information on the President's plan to help homeowners, visit www. makin h g omeafforda ble . o g v ........... `ySac.cA vafiGa» .<r r}o.nac: :;yrs M.A 0 AORT3AE I ' • S P.O.Box 183205 Columbus,OH 43218 USPS CERTIFIED MAIL TM For Undeliverable Mail Only 9214 8901 0754 4638 3865 16 058616.1 of 4 NSPOHDLA-CA/2577681 0000000 SEAN R OBRIEN 1176 HERON COURT MECHANICSBURG PA 17050 i Pennsylvania Verification Rebecca J. Bingham , hereby states that he/she is Vice President of JPMorgan Chase Bank,N.A. the Plaintiff in this matter, and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information, and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Rebe Bin am Vice Preside Date: l/—c`21 JPMorgan Chase Bank, N.A Borrower: SEAN R OBRIEN Property Address: 1176 HERON COURT,MECHANICSBURG, PA 17050 County: CUMBERLAND Last Four of Loan Number:5341 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY a' �? PRTI 201li (SEC 22 PM 3: 09 . ; .UMBERLti�/ND CUUl aY cQFTr:_£h=RI PENNS ! L AjA C1111ILrr'1�r JPMorgan Chase Bank, National Assocation vs. Sean R O'Brien Case Number 2014-6964 SHERIFF'S RETURN OF SERVICE 12/15/2014 07:42 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Gretchen Balsbaugh, Fiance, who accepted as "Adult Person in Charge" for Sean R O'Brien at 1176 Heron Court, Hampden Township, Mechanicsburg, PA 17050. SON KINSLER, DEPUTY 12/15/2014 07:42 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Occupant at 1176 Heron Court, Hampden Township, Mechanicsburg, PA 17050. J SON KINSLER, DEPUTY SHERIFF COST: $49.30 SO ANSWERS, December 16, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuiie Sherif(, Teleosoft, Enc.