HomeMy WebLinkAbout14-7310 Supreme Court of Pennsylvania
Coup' Com on Pleas
CVII C6�se ,Sheet For Prothonotary Lse Only_
CUM .r Docket No:
COUIlt3' OvilR'N
N-7316
77te it formation collected on this form is used solely,for cotn7 admrinisn•ation prn7)oses. This form does not
supplement or replace the filing and service of pleadings or otherpapers as required by laity or rules of court.
Commencement of Action:
I ®Complaint ❑Writ of Summons ❑Petition
I S ❑Transfer from Another Jurisdiction ElDeclaration of Taking
E Lead Plaintiff's Name: Lead Defendant's Name:
C CITIMORTGAGE,INC. Joseph J.McCabe,II,Administrator of the Esate of
T Barbara A.McCabe a/k/a Barb McCabe,Deceased
I Mortgagor and Real Owner
O Are money damages requested? ❑Yes ®No Dollar Amount Requested: ❑within arbitration limits
N (check one) ❑outside arbitration limits
A Is this a Class Action Suit? ElYes ®No Is this an MDJAppeal? ❑Yes ®No
1
Name of Plaintiff/Appellant's Attorney:Robert W.Williams,Esquire
�_ ❑Check here if you have no attorney(are a Self-Represented (Po Sel 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
❑ Intentional ❑ Buyer-Plaintiff Administrative Agencies
E ❑ Malicious Prosecution
#
Motor Vehicle El Debt Collection:Credit Card ❑ Board of Assessment
i ❑ Nuisance ❑ Debt Collection:Other El Board of Elections
❑ Premises Liability ❑ Dept.of Transportation
❑ Product Liability(does not include ❑ Statutory Appeal:Other
mass tort) ❑ Employment Dispute:
S ❑ Slander/Libel/Defamation Discrimination
El Other: ❑ Employment Dis ute:Other
EP ❑ Zoning Board
C ❑ Other:
T MASS TORT
I El Asbestos
Other:
Q ❑ Tobacco
N ❑ Toxic Tort—DES
❑ Toxic Tort—Implant REAL PROPERTY MISCELLANEOUS
B ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration
❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus
❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations
® Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto
❑ Dental ❑ Partition
[I Legal ❑ Replevin
❑ Quiet Title ❑ Other:
❑ Medical ❑ Other:
❑ Other Professional:
Li
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
r;LF� {-I ;F
MILSTEAD &ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501 IN I Fit C 18 PM 3: 214
1 E. Stow Road
Marlton,NJ 08053 C U t l"E�1L,��4D COl�rdT'�
(856) 482-1400 Attorney for Plaintiff P E�HS)Y LVA 111
File: 88.28099
CITIMORTGAGE, INC. COURT OF COMMON PLEAS
1000 Technology Drive CUMBERLAND COUNTY
O'Fallon,MO 63368,
Plaintiff,
Vs. No.. i4 - 7 �
L,iIVI���f"j'y/
Joseph J. McCabe,II,Administrator of the CIVIL ACTION MORTGAGE
Estate of Barbara A. McCabe a/k/a Barb FORECLOSURE
McCabe; Deceased Mortgagor and Real
Owner
18 N. Enola Avenue
Enola,PA 17025,
Defendant
s
X115. 5 Pt) ATVi
� /�77Y
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or
by attorney and filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
I. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt, or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debt or copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our offices.
J
MILSTEAD&ASSOCIATES, LLC
BY: Robert W. Williams, Esquire
ID No. 315501
1 E. Stow Road
Marlton, NJ 08053
(856)482-1400 Attorney for Plaintiff
CITIMORTGAGE,INC. COURT OF COMMON PLEAS
1000 Technology Drive CUMBERLAND COUNTY
O'Fallon,MO 63368,
Plaintiff,
No.:
Vs.
CIVIL ACTION MORTGAGE
Joseph J.McCabe,II,Administrator of the FORECLOSURE
Estate of Barbara A.McCabe a/k/a Barb
McCabe,Deceased Mortgagor and Real
Owner
18 N.Enola Avenue
Enola,PA 17025,
Defendant
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff, CITIMORTGAGE, INC. (the"Plaintiff'),is registered to conduct business in
the Commonwealth of Pennsylvania and having an office and place of business at 1000
Technology Drive, O'Fallon,MO 63368.
2. The property hereinafter described was owned by Joseph J. McCabe and Barbara A.
McCabe a/k/a Barb McCabe,his wife, by virtue of a Deed dated September 1, 1972,recorded
September 5, 1972 in Deed Book 24,Page 422. The Deed is attached hereto as Exhibit"A" and
made a part hereof. The said Joseph J. McCabe departed this life, whereupon title vested in
Barbara A. McCabe a/k/a Barb McCabe, his wife. The said Barbara A. McCabe a/k/a Barb
McCabe departed this life on March 16, 2014.
3. Plaintiff has determined an Estate has been filed in the name of Barbara A. McCabe a/k/a
Barb McCabe in the Cumberland County Register of Wills naming Joseph J.McCabe H as
Administrator of the Estate. The Short Certificate is attached hereto as Exhibit`B"and made a
part hereof.
4. Defendant,Joseph J. McCabe, H,Administrator of the Estate of Barbara A. McCabe a/k/a
Barb McCabe,Deceased Mortgagor and Real Owner, (the"Defendant"),is an adult individual
and upon information and belief,resides at 18 N. Enola Avenue,Enola, PA 17025.
5. On January 15, 1999,in consideration of a loan in the principal amount of$66,880.00,
Joseph J. McCabe and Barbara A. McCabe, Deceased Mortgagors and Real Owners executed
and delivered to Mortgage Investors Corporation a note (the "Note") with interest thereon at
6.500 percent per annum,payable as to the principal and interest in equal monthly installments
of$422.73 commencing March 1, 1999. The Note is attached hereto as Exhibit"C"and made a
part hereof.
6. To secure the obligations under the Note,Joseph J.McCabe and Barbara A. McCabe,
Deceased Mortgagors and Real Owners executed and delivered to Mortgage Investors
Corporation a mortgage (the"Mortgage")dated January 15, 1999,recorded on January 27, 1999
in the Department of Records in and for the County of Cumberland under Mortgage Book 1515,
Page 675. The Mortgage is attached hereto as Exhibit"D" and made a part hereof.
7. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded
November 5, 2012 under Instrument 201234194. The recorded Assignment of Mortgage is
attached hereto as Exhibit`B"and made a part hereof.
8. The Mortgage secures the following real property(the"Mortgaged Premises"): 420 West
Perry Street,Enola, PA 17025. A legal description of the Mortgaged Premises is attached hereto
as Exhibit"F" and made a part hereof.
f �
9. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage
because payments of principal and interest due April 1, 2013, and monthly thereafter are due and
have not been paid, whereby the whole balance of principal and all interest due thereon have
become due and payable forthwith together with late charges, escrow deficit(if any) and costs of
collection including title search fees and reasonable attorney's fees.
10. The following amounts are due on the Mortgage and Note:
Principal Balance ......................................$47,950.19
Accrued but Unpaid Interest from
3/1/13 to 10/31/14........................................$5,191.04
Accum Late Charges ......................................$288.37
Escrow Advance Balance............................$2,102.86
Less Unapplied Funds ....................................-$83.18
Inspections......................................................$297.00
Servicing Fees.................................................$116.23
TOTAL as of 10/31/2014..........................$55,862.51
Plus, the following amounts accrued after October 31, 2014:
Interest at the Rate of 6.500 percent per annum($8.5391 per diem);
Late Charges per month if applicable.
11. Plaintiff has complied fully with Act No. 91 (35 P.SA680.401(c)of the 1983 Session of
the General Assembly("Act 91") of the Commonwealth of Pennsylvania, by mailing to
the Defendant at 420 West Perry Street,Enola,PA 17025 as well as to address of residences as
listed in paragraph 3 of this document on August 29, 2014,the notice pursuant to § 403-C of Act
91, and the applicable time periods therein have expired.The Act Notice is attached hereto as
Exhibit"G"and made a part hereof.
WHEREFORE,Plaintiff demands an in rem judgment against the Defendant for
foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9,
namely, $55,862.51,plus the following amounts accruing after October 31, 2014, to the date of
judgment: (a)interest of$8.5391 per day, (b)late charges per month if applicable, (c)plus
interest at the legal rate allowed on judgments after the date of judgment, (d) additional
attorney's fees (if any)hereafter incurred, (e) and costs of suit.
ST I SOCIATES,LLC
Date: � .
Robe . Williams,Esquire
Attorney for Plaintiff
f
VERIFICATION
hereby states that he sl�h is employed as a
Vice President — Document Control of CitiMortgage,.Inc., the Plaintiff in this matter, and is
authorized to make this Verification. The statements of fact contained in the foregoing Civil
Action in Mortgage Foreclosure are true and correct to the best of my information and belief.
I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating
to unsworn falsification to authorities.
AFFIAN
By:
Print:
Title: �iSCYX 1 1 G �� C l
Employed by: CitiMortgage,Inc.
Plaintiff:` tC`
Date: 3"Al
File#: 88.28099
Name: Joseph J. McCabe, H,Administrator of the Estate of Barbara A.McCabe a/k/a Barb
McCabe,Deceased Mortgagor and Real Owner
Exhibit A
08/30/2013 03:33 FAX 1x003/024
Alf :.,er te.....b n.�—ssw.fe..-•,ks sec--Lena.w.c j
mall nr4 Lc.1nLw.r.., #
R A t
MADS THE 1st dory of Sept. in the year
of our Lord on#thousead nine hundred Seventy-Two (1972)
SETW!~EN IMNM R.14TT and JEAN S. KEEL R, bis wife, and DONALD K_ HULL
and JOYCE L. HULL, his vita, of the Township of East Pennaboro, a
W CoukV of Cumberland, and State of Pennsylvania, parties of the
r
�.{..fi?SC part------
ux� -
✓
1 Qo�� t•, �Wx N � .
Grantors, }
� .
and °C a J09Y9H J. Hc6ABS end BARBARA A. HcCARE, his wife, of the City of
Harrisburg, County of Dauphin, and State of Pennsylvania, parties 4
of the second part------- !
Grantee a
WITNESSET$that in consideration of ftirteen Thousand Three Hundred
(913,300-00) Dollars,
in hand paid,the roccipt whereof is hereby ash wmtedged,the said'grantora do hereby grant
and convey to the said grantee p their heirs and assigns, 3
ALL that certain lot or tract of land situate in East Pennsboro Township, Cumberland
County, Pennsylvania, in accordance with a survey by Gerrit J. Betz, Registered
Surveyor, dated July 171 1972, and being more particularly bounded and described
as follows, to wit:
EMINNING at a point on the Southern line of Perry Street, said point being 57.5 i l
feet from the Southeast corner of Perry Street and Grant Street measured in an I ;I
Easterly direction; thence extending North 83 degrees 0 minutes Faet 32.50 feet a
along the Southerly line of Perry Street to a point on said linel thence extending
South 6 degrees 2 minutes 30 seconds East 100.01 feet along the lands now or formerly
of Willard Acker to a hub; thence extending South 83 degrees 0 minutes beat 30.83 ;
feet along lands now or formerly of Maurice Boiler to a hub; thence extending North
7 degrees 0 minutes Vest 100.0 feet through the center line of a partition wall and 1
beyond to a point, the place of BEGINNING.
HAVING thereon erected a 2 story concrete block and perms stone dwelling known
and numbered as 420 Webt Perry Street.
BEING a part of Lots 7, 8 and 9, Block FID11, Plan No. 1. Boppy's Addition to Ebola
recorded in the Cumberland County Recorder of Deeds Offioe in Plan Boole 1, Page 97.
BEING the same premisea Which Sara R. Roeschel, Executor of the Last Will end
Testament of Elais R. Farhner, deeenced.by dead dated November 30, 1961, and
recorded in the Cumberland County Recorder of Deeds Office in Deed Book 20-4. `
Page 717, granted and conveyed unto Kenneth R. Miller and Jean S. Hiller, his i
wife, two of'the grantors herein. Donald K. Hull,and Joyce L, Hull, his wife{
two of the grantors herein, join in conveying the property by virtue of their
right, title and interest to said premises by unrecorded Articles of Agreement
dated March 1, 1968.
- Comb. Co.. Pe.- r ,<; �� � �• j. rt`,5/�,�,j���'',• - 1
tY R,.1 W.I. .n
1uln Tp rir ''`/,• �ctw� .4i ��7i•�«�ZS {y ;
'Ddb�"S.:n: M,...t!•rr,.4�• . �� p•? -?lin' i r��;'1���"•L ` , '~
c..oiH.cr-w0. A' 7, 'up I
xr _ ,.^f7(r ,
boar L�24PW 422 h
08/30/2013 2:15:32 PM CUMBERLAND COUNTY InsL#197203827-Page 1,
08/30/2013 03:33 FAX 191004/024
And the raid prnnfnr s hereby covenant and agree that theY
wsTl warrant QERRS[IY the property hereby eorweyed.
I - •
IN WITNESS WIIERCUF,said paantore have kerennto ret their kande and scale
the day and year first above written.
ffiIpneb.OvAleb awwb veltveexb ,{�•:!s .l.�-„[J..•.F: •-- eOAL - -
hr A1fee Fre•crwee of .Kerne h R. Mill.
• .... 'a fill
Slam a/ Pennsylvania
' County o/ Lehigh
I
ee
On this,the 1st ;ay-of Sept. ,I8 72 .before ase.
the mdoteigned o&ar,pare0nslfy appeared- Kenneth R. Miller and Jean 8. Mi11Cr._
his vite
_ .,rte •.',.
known to n,a(or satisfaemo*proven)to be the persons whose narnos aY a s1tQ'saixTsiRl3 Yhe���.'
w,rit/riss inaeraalcnt,and acknweladyod dust they czcclstod wane for tha�lir(mbgi.tlscioi+i.b'.,:
I oefltaincd. ,tire,
L` '�• �'
IN WITNESS WXERHOF,I hareant0.e09 my hand a rJleial a
27
Notary Public _
MY commiss1gn O(PImPas of op-
V9
,
• V9 k7R81 N04DAY OF IANUARY 7578
State of Penngylverda
y � - - ) •
i
county of (! ) -
On.this,the v�'� day of r IB 72,before me,
Um undersipnad ahlesr,peraonaay appeared Donald K. Mul] and Joyce.L. Mill) his xite
known to»sa(or satiafactorxZy proven)to be the pemor� whose namaa subser{bod to the
I within instrwaent,and admowledgad that they aaeeated same for the par�wsm•tbgrck
IN WITNE58 WIIEREDF,I kerBstfslo acEAir
lwtftd and t>h =,t `
17,W4
• ..,•.,I�;-J,qy-.GtlN�-._ t �I•f-~j1Yy Q-r� •
�-j do Itemby eortify that the-predm residence and oenspLets poet•orm addrbse
of the IWUU*aamcd prmntee is
� � o
{ 5- ra 7 t
Attorney for
On tkNid 423
08/30/2013 2:15:32 PM CUMBERLAND COUNTY Inst.#197203827-Page 21
Exhibit B
Apr. 24. 2014 12: OOPM DST Health Solutions No. 0212 P. 2
COMMONWEALTH OF PENNSYLVANIA SHORT CERTIFICATE
COUNTY OF CUMBERLAND
I, LISA M GRA YSON, ESQ.
Register for the. Probate of W:i118 and Granting
,Let Viers of Admin i.s tra ti on in and fo.r
CMIBERLAND County, do hereby certify that on
the 14th day of April, Two Thousand and
Fourteen,
Letters of ADMINISTRATION
in common form were granted by the Register of
said County, on the
estate of BARBARA A MCCABE late of FAST PENNSBORO TOWNSHIP
(FIM Middle,L8-10
a/k/a BARB MCCABE
in said county, deceased, to JOSEPH J MCCABE 9
iRr4 Mlddie,La&V
and that same has not since been revoked.
IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the
seal of said office at CARLISLE, PENNSYLVANIA, this 34th day of April
Two Thousand and Fourteen.
File No. 2014- 00348
PA File No. 21- 14- 0348
Date of Death 311612094
S. S. ,# n
�q terOf virus
ep ty
NOT VALID W2THOUT ORIGINAL SIGNATURE AND IMPRESSED SEAL
"Loan # Case #
NOTE
THIS LOAN IS NOT ASSUMABLE WITHOUT THE
APPROVAL OF THE DEPARTMENT - OF VETERANS
AFFAIRS OR ITS AUTHORIZED AGENT.
January 25, 1999 Enala PA
!bale! KRA (Statel
420 West Perry Street, Enola, PA 17025
(P-peftr Adan-1
1. BORROWER'S PROMISE TO PAY
In return for a loan that t have rrmived,I promise to pay U.S.S 66, 880 .00 (this amount is called
"principal'),plus interest,to the order of the Lender.The Lender is Mortgage Investors Corporation
I understand that the Lender may transfer this Note.The Lender or anyone who takes this Note by transfer and who is entitled
to receive payments under this Note is called the"Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid.I will pay interest at a yearly
rate of 6 .500 4'o.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section
6(B)of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month-
I will make my monthly payments on the 2 s t day of each month beginning on March 1, 1999
I will make these payments every month until I have paid all of the principal and interest and any other charges
dcscn'bcd below that I may owe under this Note.My monthly payments will be applied to interest bcfare principal. If, on
February 1, 2029 , I shill owe amounts under this Note, I will pay those amounts in full on that date,
which is called the"Maturity Date."
I will make my monthly payments at 6090 Central Avenue St. Petersburg, FL
33707
or at a different place if required by the Note Holder.
(B) Amount of Monthly Payments
My monthly payment will be in the amount of U.S.$ 422 . 73
4. BORROWER'S RIGIIT TO PREPAY
I have the right to prepay at any time,without premium or foe,the entire debt evidenced by this Note,or any part thereof
not less than the amount of one installment, or S 100.00, whichever is Iess. Any prepayment in full of the debt shall be
credited on the date received,and no interest may be charged after that date. Any partial prepayment made on any day other
than an installment due date need not be credited until the next following installment due date or 30 days after the date of the
partial prepayment,whichever is earlier.
BL82246
I1111111IIII11lll11111I11111111IIIII1111Ii11
\ AMnSTATE FMW RATE NUM-Single Finaily•11"a al hutrmnent
caeatunv w
r1EM34180 (@511) (Page!of3pages) To(heerlltl 1400.9J69MORMS-791-1131
1141s
tun
S801S�iANI .IKN 9Z:E0 666T—Si—Ntif
1
S. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or
other Ivan charges collected or to be collected in connection with this loan exceed the perndttcd limits,then:(i)any such loan
cbwgc shall be reduced by the amount necessary to reduce the charge to the permitted limit: and (ii) any sums already
collected from me which exceeded permitted limits will be refunded to me.The Note Holder may choose to make this refund
by reducing the principal 1 owe under this Note or by making a direct payment to me. If a refund reduces principal, the
reduction will be treated as a partial prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Notc Holder has not received the full amount of any monthly payment by the end of 15 calendar
days after the date it is due,I will pay a late charge to the Note Holder.The amount of the charge will be 4 ,000 %
of my overdue payment. I will pay this late charge promptly but only once on each late payment.
(B) Default
If I do not pay the foil amount of each monthly payment on the date it is due,I will be in default. .
(C) Notice of Default
If I am in default,the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a
certain date,the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all
the interest that I owe on that amount. 'That date must be at least 30 days after the date on which the notice is delivered or
mailed to me.
(D) No Waiver By Note Bolder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described
above,the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above,the Note Holder will have the right to
be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.
Those expenses include,for example,reasonable attorneys'fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the property Address above or at a different address if I give the Note
Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the
Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different
address.
S. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises made in
this Note,including the promise to pay the full amount owed. Any person who is a guarantor,surety or endorser of this Note
is also obligated to do these things. Any person who takes over these obligations, including the obligation&of a guarantor,
surety or endorser of this Note,is also obligated to keep all of the promises made in this Note. The Note Holder may enforce
its rights under this Note against each person individually or against all of us together. This means that any one of us may be
required to pay all of the amounts owed under this Note.
9. WAIVERS
f and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor.
"Presentment"means the sight to require the Note Holder to demand payment of amounts due. 'Notice of dishonor"means
the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
W FATLMo■
\ (Mm ulal Will (Page Z of 3 pages) Te Dr4e at 1000 530 9:9J{1fa5tfr10t•tt31
6l:"d S80.193M1I_39b191W4 9Z:1_0� i-SI-1dNf
10. ALLONGE, RIDER, ADDENDUM, ATTACHMENT OR OTHER MODIFICATION (HEREINAPUR
REFERRED TO AS ALLONGE)TO THIS NOTE
If an allonge providing for payment adjustments,or for any other supplemental information,is executed by me together
with this Note,the covenants of the sponge shall be incorporated into and shalt amend and supplement the covenants of this
Note as if the allonge were apart of this Note. [Check applicable box.]
F1Graduated Payment Allonge Other[specify]
DOther[specify]
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the
Note Bolder under this Note,a Mortgage,Deed of TYust or Security Deed(the"Security Instrument"),dated the same date as
this Note,protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this
Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in
full of all amounts I owe under this Note. Some of those conditions are described as follows:
Transfer of the Property. This loan may be declared immediately due and payable upon transfer of the
Property securing such loan to any transferee,unless the acceptability of the assumption of the loan is established
pursuant to Section 3714 orChapter 37,'Title 38,United States Code.
If Lender exercises this option, Lender shall give borrower notice of acceleration. The notice shall provide a
period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all
sums secured by this Security Instrument. If Borrower fails to pay these sutras prior to the expiration of this period,
Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on
Borrower.
Borrower has executed and acknowledges receipt of pages I through 3 of this Note_
WITNESS TIM HAND(S)AND SEALS)OF THE UNDERSIGNED.
r '
(Seal) (Seal)
OoLsep 9. McCabe -Dario-exrbara A. Cab
-s�wa
-l30TM�wC! -Bomwer
f sign Original Only]
Mlout Recome Pay To The Order Of
e - s Corporation Mrgage SOURK�
age txporation Our e
V�J I1 mag
Date I
PAY TO THE Anot OF
S ur E_
Ons
r. ra
or•
,l howskl,Vice GREAMAND A
,TEM 34161,! (85111 {Page 3 of 3 pager) To 0WK C8W I-4D""-"393 tj fn ets-7!1.1131
ei?•d 'S�Dls"l 3WO1NJDW __1Z:M _6661-9I—bH(
}*t
i
ft'7'Q The Ordpr Of
Withoutut Recourse
urse
Source One Mortgage Services
Corporation FKA Fireman's Fund
Mortgage Corporation FKA
Manufacturers Hanover Mortgage
C'-rporation FKA Citizens Mortgage
Corporation
Diane V- Gulie�-j��, As iate�~
Vice Presiaent
I
44
I '
i
I
I
I •
i
I
I
I
I • i ;;
I
I
I
i
Exhibit D
WHENiRECORDED MAIL TO
Service Link
4000 Industrial. Boulevard
Aliquippa PA 15001 jot
nWer
L0a )
[Space Above 71iis Line For Aeconifug Datal
MORTGAGE
THIS LOAN IS NOT ASSUMABLE 'WITHOUT THE
APPROVAL OF THE DEPARTMENT OF VETERANS
AFFAIRS OR ITS AUTHORIZED AGENT.
THIS MORTGAGE("Security Instrument")is given on January 15, 1999 �'l
Themortgagoris Joseph J. McCabe and Barbara A. McCabe, Husband and
wife Q
("Borrower'D. This Security Instrument is given to
Mortgage Investors Corporation
which is organized and existing under the laws of Ohio ,and Whose address is
6090 Central Avenue,St. Petersburg, FL 33707
("Lender"). Borrower owes Lender the principal sum of r
SIXTY-SIX THOUSAND EIGHT HUNDRED EIGHTY DOLLARS AND 001100
Dollars(U.S.$ 66, 880.00 ).This debt is evidenced by Borrower's note dated the same date as this Security
Insuument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
February 1, 2029 . This Security Instrument secures to Leader. (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 Instnunent; and (c) the performance of
Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,Borrower does hereby
mortgagei grant and convey to Lender the following described property located in CuToberland
County,Pennsylvania:
ALL THAT CERTAIN PARCEL OF LAND SITUATE IN THE CITY OF ENOLA, COUNTY
OF CUMBERLAND, STATE OF PENNSYLVANIA BEING KNOWN AND DESIGNATED AS
PART OF LOT NOS. 7, 8, 9, 10, PART OF BLOCK D, OF THE HOPPY'S ADDITION
TO ENOLA RECORDED IN THE CUMBERLAND COUNTY RECORDS.
N
which has the address of 42D West Perry Street Fsnola —
[Saeetl f6tyl
Pennsylvania 17025 ("Property Address"); I
[ap CO&I j
PEMSYLVAMA_s=&u Fwnly.-uniform tattrammt _ I
A tTREA' -
rr MZt11XI rosttl (page!of6pages) ToVN@r6t.1-100-WO.9303D fat is.
f0 ,OwwT10w
Book=5 PACE &675
?-T'd S8OiS3nN1 30nib'OW TZ:£0 666T-ST-t4ur
i
I '
TOGETHER WITH all the improvements now or hereafter erected on the property,and all casements,appurtenances,and
fixtures now or hereafter a pari of the property. All replacements and additions shall also be covered by this Security
Instrument.All of the foregomg i3 referred to in this Scctwhy Instrument as the"Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITX INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited
variations by jurisdiction to constitute a Uniform security instrument covering real property-
UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows:
1- Payment of Priuda)and Bitterest;Prepayment and Late Charges. Borrower shall promptly pa yy when due the
principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Notc.
2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender,Borrower shall pay to
Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum("Funds")for. (a)yearly
taxes and assessments which may attain priority over this Security instrument as a lien on the Property;(b)yearly leasehold
payments or ground vents on the Property, if any; (c)yearly hazard or property insurance premiums; and (d) yearly flood
rnsurancc premiums,if any. Thcsc items are called "Escrow Items." Lender may, at any time.collect and hold Funds in an
amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow
account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time,
I:
12 U.S.C. § 2601 er sr .("RESPA"),unless another law that applies to the Funds sets a lesser amount.If xo,Lender.may,at
I any time,collect and hold Funds in an amount not to exceed the lesser amount.Lender may estimate the amount of Funds due
on the basis of current data and reasonable estimates of expenditures of future Escrow items or Otherwise in a0cordance with
i applicable law.
The Funds shall he held in an institution whose deposits are insured by a federal agency, instrumentality, or entity
(including Lender,if Lender is such an institution)or in any Federal Home Loan Baak.Lender shall apply the Funds to pay
the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow
account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law permita Lender
to make such a charge.However,Lender may rrquirc Borrower to pay a one-time charge for an independent real estate tax
reporting service used by Lender in connection with this loan,unless applicable law provides otherwise.Unless an agreement
is made or applicable law requires interest to be paid,Lender ahaII not be required to pay Borrower any interest or earnings on
the Funds.Borrower and Lender may agree in writing,however,that interest shall be paid on the Funds, Lender shall give to
Borrower,without charge,an annual accounting of the Funds,showing credits and debits to the Flinch and the p"sc for
which each debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security
Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law,Lender shall account to Borrower
for the exec.."Funds in accordance with the requirements of applicable law.If the amount of the Funds held by Lender at any
time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case
Borrower shall pay to Lender the amount necessary to make up the deficiency.Borrower shall make up the deficiency in no
more than twelve monthly payments,at Lender's sole discretion.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. I{,under paragraph 23,Lender shall acquire or sell the Property, Lender, prior to the acquisition or
sale of the Property, shall apply any Funds held by Lender at the time of acquisition or We as a credit against the sums
secured by this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under
paragraphs 1 and 2 shall be applied.first,to any prepayment charges due under the Note;second,to amounts payable under
paragraph 2;chard,to interes[due;fourth,to principal due;and last,to any late charges due under the Note.
4. Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
Property which may attain priority over this Security Instrument,and leasehold payments or ground rents,if any.Borrower
shall pay these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrower shall pay them on
time directly to the person owed payment.Borrower shall promptly ftmzish to Lender all notices of amounts to be paid under
this paragraph.If Borrower makes these payments directly.Borrower shall promptly furnish to Lender receipts evidencing
the payments.
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 Instrament,Lender may give;Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or
more of the actions act forth above within 10 days of the giving of notice.
S. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazards,including
floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and
MEMz.lotz(0511) (Pa3r2 of pogex) 190MICA. 1.8 0630.4 nUfit ,f7711-11
£T'd sdolS3m 13JtiJluOW ZZ:£9 6661—ST—t-rdf
I
i
for the periods that Lender requires.The insurance carrier providing the insurance shall be chosen by Borrower subject to
Lender's approval which
Lel shall sot be unreasonably withheld.If Borrower fails to maintain coverage described above, Lender
may,at Lender's option,obtain coverage to protect Lender's rights in the Properly in accordance with paragraph 7.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.Lender
shall have the right to hold the politics and renewals.If Lender rvquRes,Borrower shall promptly give to I.cndcr all receipts
} of paid premiums and renewal notices. In the event of loss,Borrower shall give prompt notice to the insurance carrier and
Lender.Under may make proof of loss if not made promptly by Borrower.
Untess Lender and Borrower otherwise agree in writing,insnranct proceeds shall be applicd to restoration err repair of the
Property damaged,if the restoration or repair is economically feasible and Lender's security is not lessened.If the restoration
or repair is not economically feasible or bender's security would be lessened,the insurance proceeds shall be applied to the
sums secured by this Security Instrument,whether or not then due,with any excess paid to Borrower.If Borrower abandons
the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to stale a claim,
then Lender may collect the insurance proceeds.Lender may use the proceeds to repair or restore the Property or to pay sums
secured by this Security Instrument,whether or not then due.The 30-day period will begin when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
poi;pone the due date of the monthly payments referred to in paragraphs I and 2 or change the amount of the payments.If
under paragraph 23 the Propeny is acquired by Under. Borrower's right to any insurance policies and proceeds resulting
from damage to the Property prior to the acquisition shall pass to Linder to the extent of the gams secured by this Security
Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Appllcrstion;
Leaseholds.Borrower shall occupy,establish,and use the Property as Borrower's principal residence within sixty days after
the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at
Least one year after the date of occupancy,unless Lender otherwise agree.-in writing,which consent shall not be unreasonably
withheld,or unless extenuating circumstances exist which are beyond Borrower's control.Borrower shall not destroy,damage
or impair the Property,allow the Property to deteriorate,or commit waste on the Property.Borrower shall be in default if any
forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result'in
forfeiture of the Property or otherwise materially impair the lien created by this Security instrument or lender's security
interest•Borrower may cure such a default and reinstate,as provided in paragraph 17,by causing the action or proceeding to
be dismissed with a ruling that, in Lender's good faith determination,precludes forfeiture of the Borrower's interest in the
Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. 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 occupancy of the Property as a principal residence.
If this Security Instrument is oa a leasehold,Borrower shall comply with all the provisions of the lease.If Borrower acquires
fee title to the Property,the leasehold and the fee title shall not merge unless Lcndcr agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements
contained in this Security instrument, or there is,a legal proceeding that may significantly affect Lender:$ rights in the
Property(such as a proceeding in bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then
Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property.
Lender's actions may include paying any sums secured by a lien which has priority over ibis Security Instrument,appearing in
court,paying reasonable attorneys'fees and entering on the Property to make repairs.Although Lender may take action under
this paragraph 7,Lender does not have to do so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this
Security Instrument.Unless Borrower and Lender agree to other terms of payment,these amounts shall bear interest from the -
date of disbursement at the Note rate and shall be payable,with interest.upon notice from Lender to Borrower requesting
payment.
8. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall
give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
9. Condemnatiop. 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 lieu of condemnation,are hereby assigned
and shall be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security
Instrument, whether or not then due,with any excess paid to Borrower.In the event of a partial taking of the Property in
which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums
secured by this Security Instrument immediately before the taking,unless Borrower and Lender otherwise agree in writing,
the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following
fraction:(a)the total amount of the sums scared immediately before the taking,divided by(b)the fair market value of the
Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the
Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums
secured immediately before thc'taking, unless Borrower and Lender otherwise agree in writing or unless applicable law
otherwise provides,the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are
then due.
i
oaewn.aao fR
ITEM 24100 tosrtr (Page 3oJ6pagu) Toor"
CA*t eoo-ssoiruproc616•r9t-t131
bt'd SWIS3MI 3OU018N 6661—SZ—Wr
i
If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the condemnor offers to make an
j award or settle a claim for damages;Borrower fails to respond to Lender within 30 days after the date the notice is given,
1 Lender is authorized to collect and apply the proceeds,at its option,either to restoration or repair of the Property or to the
sums secured by this Security Instrument,whether or not then due.
Unless Linder and Borrower otherwise agree in writing,
postpone the due date of the monthly payments referred to in aragraphs 1 application
nd 2 or change the roceeds to m untof such paymeats.extendall not or
10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest
of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors 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 stuns 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.
11. 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 16.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 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 io the terms of this Security Instrument or the Note without that Borrower's
consent.
12. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum Ioan charges,
and that law is finally interpreted so that the interest or other loan charges collected or to be collected is connection with the
loan exceed the permitted limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge
to the permitted limit;and(b)any sums already collected from Borrower which exceeded perminod limits will be refunded to
Borrower.Lender may choose to make this refund by reducing the principal owed under the Note or by malting a direct
payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any
prepayment charge under the Note.
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 Lcndcr shall be given by first class mail
to Lender's address stated herein or any other address Lender designates by notice to Borrower.Any notice provided for in
this Security Instrument shallbe deemed to have been given to Borrower or Lender whey given as provided in this paragraph.
14. Governing Law, Severability. This Security Inetrurrtcnt shall be governed by fedora} law and the low of the
jurisdiction in which the Pr is located. If the indebtedness secured hereby is guaranteed or insured under Title 38,
United States Code, such Tide and Regulations issued thereunder and in effect on the date hereof shall govern the rights,
duties and liabilities of the parties bercto,and any provisions of this or other instruments executed in connection with said
indebtedness which are inconsistent with said Title or Regulations are hereby amended to conform thereto.
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 histrtuneat.
16. Transfer of the Property. This loan may be declared immediately due and payable upon transfer of the Property
securing such loan to any transferee,unless the acceptability of the assumption of the loan is established pursuant to Section
3714 of Chapter 37,Title 38,United States Code.
If L.cndcr exercises this option,lender shall give Borrower notice of acceleration.The notice shall provide a period of not
less than 30 days from the date.the notice is delivered or mailed within which Borrower must pay all sums secured by this
Security Instrument. If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any
remedies ppeerrnnuuttted by this Security Instrument without further notice or demand on Borrower.
17. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a)5 days(or such other periodthias
applicable law may specify for reinstatement)before sale of the Property pursuant to any power of sale contained in s
Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. 'chose conditions arc that Borrower.
(a) pays Lender all stuns which then would be due under this Security Instrument and the Note as if no acceleration had
occurred;(b)cures any default of any other covenants or agreements;(c)pays all expenses incurred in enforcing this Security
Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably
require to assure that the lien of this Security Instrument,Lender's rights in the Property and Borrower's obligation to pay the
sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security
Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this
right to reinstate shall not apply in the case of acceleration under paragraph 16.
1S. Sale of Note; Change of Loan Servicer. The Nott or a partial interest in the Note(together with this Security
Instrument) may be sold one or more times without prior notice to Borrower. A sale may,result in a change in the entity
(known as the"Loan Service")that collects monthly payments due tinder the Note and this Securiiy Instrument.There also
ttEM 2410u (951 1) I'a e 4 0 6 CAF TLANo s
(Page j pages) ToOrMCA:1-100.530.0393pFa616-701-1131
ST'd S801S3r1NI 300121041 VZ:20 656T—ST44Hf
may be one or more changes of the Loan Servicer unrelated to a-sale of the Note.If there is a change of the Loan Servicer,
Borrower will be given written notice of the change in accordance with paragraph 13 above and applicable law.The notice
will state the name and addr r-u of the new Loan Servicer and the address to which payments should be made.The notice will
also contain any other information required by applicable law.
19. Hamrdous 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 anyolte 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 use generally recognized to be appropriate to normal
residential uses and to maintcuance 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 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 Substance affecting the Property is necessary. Borrower shall
promptly take all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 19, "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 19,"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that
relate to health,safety or environmental protection.
20. Funding Fee. A fee equal to one-half of one percent of the balance of this loan as of the date of transfer of the
Property shall be payable at the time of transfer to the loan holder or its authorized agent, as trustee for the Department of
Veterans Affairs. If the assumer fails to pay this fee at the time of transfer,the fee shall constitute an additional debt to that
already secured by this instrument, shall bear interest at the rate herein provided, and, at the option of the payee of the
indebtedness hereby secured or any transferee thereof, shall be_immediately due and payable. This fee is automatically
waived if the assumesis exempt under the provisions of 38 U.S.C.3729(c).
21. Processing Charge. Upon application for approval to allow assumption of this loan, a processing fee may be
charged by the loan holder or its authorized agent for determining the creditworthiness of the assumer and subsequently
revising the holder's ownership records when an approved transfer is completed. The amount of this charge shall not exceed
the maximum established by the Department of Veterans Affairs for a loan to which Section 3714 of Chapter 37,Title 38,
United States Code applies.
22. Indemnity Liability. If this obligation is assumed,then the assumer hereby agrees to assume all of the obligations
of the veteran under the terms of the instruments creating and securing the loan. The assumer finther agrees to indemnify the
Department of Veterans Affairs to the extent of any claim payment arising from the guaranty or insurance of the indebtedness
created by this instrument.
NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows:
23. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under paragraph 16
unless applicable law provides otherwise).Lender shall notify Borrower of,among other things: (a)the default;(b)the
action required to care the default; (c) when the default trust be cured; and (d) that failure to cure the default as
specified may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding
and sale of the Property.Lender shag further inform Borrower of the right to reinstate after acceleration and the right
to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration "
and foreclosure.If the default is not cured as specified,Lender at its option may require immediate payment in full of
all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by
judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this
paragraph 23, Including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by
applicable law.
24. Release. Upon payment of all gums aecurcd by this Security Instrument,this Security Instrument and the estate
conveyed shall terminate and become void. After such occurrence,Leader shall discharge and satisfy this Security Instrument
without charge to Borrower. Borrower shall pay any recordation costs.
25. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in
proceedings to enforce this Security InsWment,and hereby waives the benefit of any present or hmae laws providing for stay
of execution,extension of time,exemption from attachment,levy and sale,and homestead exemption.
26. Reinstatement Period. Borrower's time to reinstate provided in paragraph 17 shall extend to one hour prior to the
commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument.
27. 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.
28. 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 Nota
GREAT L►Nti N
ITEM2HOt.5(9911) (Page Sof6pages) roOrdarCYb saoo-stoy3s�pfaet5•r!�-+ta+
S?101S3nN 139USINOW SZ:£t3 666 T-S i-Ndt
29. Rl m to this Secadty Instrument. if one or more riders are executed by Borrower and recorded together with this
Security Instrument, the covenants and agreements 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(&)were a part of this Security Instrument.
[Check applicable box(es))
QAdjustable Rate Rider Other(s)[specify)
❑Graduated Payment Rider
BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in pages 1 through 6 of this
Security Instrument and in any rider(s)executed by Borrower and recorded with it.
-- (Seal) (Seal)
ose . McCabe -Borrower r ars A. CCabe -Borrower
(Seal) (Seal)
-Borrower -Borrower
Witness: Witness:
COMMONWEALTH OF PENNSYLVANIA, 19d1- County ss:
Ct
On this,the �� day of11 before me,
the undersigned officer,personally appeared Joseph J. McCabe and
Barbara A. McCabe, Husband and wife
known to me(or satisfactorily
proven)to be the persons whose name 5 are subscribed to the within instrument and acknowledged
ithat they executed the same for the purpose herein contained.
IN WITNESS WHEREOF,I hereunto set my hand and official seal. -`
My Commission expires:
Nobulal Sear
DPW 0.Endenr,Notary Pub11c
tlenWHU,Daupldn County
Mp COMM"bn E)q*U Jan.31,20M
Member,PennW ama Association of Notaries Tide of Officer
CERTIFICATE OF RESIDENCE I,
do hereby certify that the correct address of the within named lender is
6090 Central Avenue, St. Petersburg, FL 33707
Witness my hand this day of
Agent of Lender
I
GNG• N0 1La ■
IMM291OL6 MSM (Page 6 of6pages) To Mer Ca T•ROO�S349�93Qftt 616 T91.1 qt
LT'd SNUS3f1i`lI 39dOl?JOW 9Z:£0 6GGT-5;T—NUf
Exhibit E
08/30/2013 03:35 FAX 0011/024
Xnat. # 201234194 - Page 1 of 4
Prepared By/Return To: CERTIFIED PROPERTY IDENTIFICATION ITMO Rs
E.Lance/NTC,2100 Alt.19 North, 09-14-0034-170 - EAST PENNSRORO
CCGIS REGISTRY 11/05/2012 BY DC
Palm Harbor,FL 34683
(800)346-9152
Tax Code/PIN/UPI#-09-14-0834-170
I Mill Hill 11111 pill Fill 1111111111111111111111111111111111
ASSIGNMENT OF MORTGAGE
FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the
undersigned, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., WHOSE ADDRESS IS
P.O. BOR 2026, FLINT, MI, 48501, (ASSIGNOR), (MERS Address: 1901 E Voorhees Street, Suite C,
Danville,II. 61834) by these presents does convey, grant, assign, transfer and set over the described Mortgage
therein together with all interest secured thereby, all liens, and any rights due or to become due thereon to
CITIMORTGAGE, INC., WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, O'FALLON, MO
63368.2240(800)283-7918,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE).
Said Mortgage dated 01115/1999,in the amount of$66,880.00 made by JOSEPH J.MCCABE AND BARBARA
A.MCCABE to MORTGAGE INVESTORS CORPORATION recorded on 0127/1999,in the Office of the
Recorder of Deeds of CUMBERLAND County;in the State of Pennsylvania, in Book 1515, Page 675 and/or
Document#.
Property is more commonly known as:420 WEST PERRY STREET CITY OF ENOLA,ENOLA,PA 17025.
Assignment: MORTGAGE INVESTORS CORPORATION TO SOURCE ONE MORTGAGE SERVICE
CORPORATION DATED 01-21-1999.REC:02-241999 BK 604 PG 761 *Assignment:WHITE MOUNTAINS
SERVICES CORPORATION, FKA SOURCE ONE MORTGAGE SERVICES CORPORATION, FKA
FIREMANS FUND MORTGAGE CORPORATION, FKA MANUFACTURERS HANOVER MORTGAGE
CORPORATION, FKA CITIZENS MORTGAGE CORPORATION TO MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,INC.DATED 03-23-2000.REC.06-06-2000 BK 645 PG 953
Dated this 02nd day of November in the year 2012
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.
BY:
BELINDA AGUUME V ASST.SECRETARY
CMAV. MFRS NON MOM NI MIN 1 321 MERS PHONE 1-888-679-MERS
5715 EFRMPAl
I IIFII 11111111111 Fill 11111111111111111 oil 11111 IN
06/30/2013 226:11 PM CUMBERLAND COUNTY lnst.#201234194-Page 1
08/30/2013 03:35 FAX 012/024
Inst: 201234194 - Page 2 of 4
I IIIA 1111111111 VIII 1111111111111111 IIIA IIIII III Illi
STATE OF FLORIDA COUNTY OF PINELLAS
The foregoing instrument was acknowledged before me on this 02nd day of November in the year 2012, by
BELINDA AGUIRRE as ASST.SECRETARY for MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,
INC., who, as such ASST. SECRETARY being authorized to do so, executed the foregoing instrument for the
purposes therein contained.He/she/they is(are)personally known to me.
Elizabeth A.Mustord
Nohuy Pubft 8h to or Florid@
My Commission d EE 088428
4ELE-TEL ETH A.MU TARD-NOTARY PUBLIC aWE*m M?l,2015
COMMEXPIRES: 08/27/2015 eoThnray ubk0' a
i
Assignment of Mortgage from:
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.,WHOSE ADDRESS IS P.O.BOX 2026,
FLINT,MI,48501,(ASSIGNOR),(MERS Address:1901 E Voorhees Street,Suite C,Danville,IL 61834)
to:
CITIMORTGAGE, INC., WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, O'FALLON, MO
63368-2240(800)283-7918,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE)
Mortgagor:JOSEPH J.MCCABE AND BARBARA A:MCCABE
When Recorded Return To:
CitiMortgage,Inc.
C/O NTC 2100 AIL 19 North
Palm Harbor,FL 34683
All that certain lot or piece of ground situated in
Mortgage Premise:420 WEST PERRY STREET CITY OF ENOLA
ENOLA,PA 17025
CUMBERLAND
(Borough or Township,,f stated),Commonwealth of Pennsylvania.
Being more particularly described in said Mortgage.
Certificate of Residence
I,BELINDA AGUIRRE,do certify that the precise address of the within named assignee is:
CITIMORTGAGE, INC., WHOSE ADDRESS IS 1000 TECHNOLOGY DRIVE, O'FALLON, MO
63368-2240(800)283-7918,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE)
BELINDA AGumRE V ASST.SECRETARY
4AVP - ----—RS NON MOM Ni MINI 21 MERS PHONE
1-xtus b/9-HERS Tn�l�rx-,,�� —;-RMPA1
1111111 I III IIII 11111 Ill!l!11111111 IIII Il!ISI
08/30/2013 2:26:11 PM CUMBERLAND COUNTY Inst.#201234194-Page 2 c
08/30/2013 03:36 FAX
- IIS 013/024
Inst. # 201234194 - Page 3 of 4
Loan No:
'EXHIBIT A'
Assignments,Modifications,Consolidations Exhibit
Assignment:MORTGAGE INVESTORS CORPORATION TO SOURCE ONE MORTGAGE SERVICE
CORPORATION DATED 01-21-1999.REC:02-241999 BK 604 PG 761*Assignment:WINE
MOUNTAINS SERVICES CORPORATION,FKA SOURCE ONE MORTGAGE SERVICES
CORPORATION,FKA FIREMANS FUND MORTGAGE CORPORATION,FKA MANUFACTURERS
HANOVER MORTGAGE CORPORATION,FKA CITIZENS MORTGAGE CORPORATION TO
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.DATED 03-23-2000.REC:06-06-2000 BK
645 PG 953
I
I
i
i
I
i
i
i!
08/30/2013 226:91 PM CUMBERLAND COUNTY
Inst.#201234194-Page 31
08/30/2013 03:36 FAX
0014/024
Inst. # 201234194 - Page 4 of 4
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY <wY
i
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
717-240-6370 _=
Instrument Number-201234194
Recorded On 11/5/2012 At 11:45:15 AM 'Total Pages-4
x Instrument Type-ASSIGNMENT OF MORTGAGE
Invoice Number-121356 User ID-MBL
*Mortgagor-MCCABE,JOSEPH J
"Mortgagee-CITIMORTGAGE INC
Customer-SMIPLIMLE LC&RECORDING
"FEES
STATE WRIT TAX $0.50 Certification Page
STATE JCS/ACCESS TO $23.50
JUSTICE DO NOT DETACH
RECORDING FESS - $11.50
RECORDER OF DEEDS
PARCEL CERTIFICATION $10.00 This page is now part
FEES of this legal document.
I
COUNTY ARCHIVES FEE $2-00
ROD ARCHIVES FEE $3.00 i
TOTAL PAID $50.50
i
j
I Certify this to be recorded
in Cumberland County PA
u
7 4
w q
o
f
RECORDER OF DEEDS
nao
I
"-Information denoted by an asterisk may cbange dining
the verification process and may not be reflected on this page.
1
i
i
i
nnlanignl3 2.2A.11 PM CUMBERLAND COUNTY Inst#201234194-Page 4
Exhibit F
ALL THAT CERTAIN LOT OR TRACT OF LAND SITUATE IN EAST PENNSBORO TOWNSHIP, CUMBERLAND
COUNTY, PENNSYLVANIA; IN ACCORDANCE WITH A SURVEY BY GERRITJ. BETZ, REGISTERED SURVEYOR,
DATED JULY 17, 1972,AND BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS,TO
WIT:
BEGINNING AT A POINT ON THE SOUTHERN LINE OF PERRY STREET,SAID POINT BEING 57.5 FEET FROM
THE SOUTHEAST CORNER OF PERRY STREET AND GRANT STREET MEASURED IN AN EASTERLY
DIRECTION;THENCE EXTENDING NORTH 6 DEGREES 0 MINUTES EAST 2 FEET ALONG THE SOUTHERLY-
LINE OF PARRY STREET TO A POINT ON SAID LINE;THENCE EXTENDING SOUTH 6 DEGREES 2 MINUTES 30
SECONDS EAST 100.01 FEET ALONG THE LANDS NOW OR FORMERLY OF WILLARD ACKER TO A HUB;
THENCE EXTENDING SOUTH 83 DEGREES 0 MINUTES WEST 30.83 FEET ALONG LANDS NOW OR
FORMERLY OF MAURICE BAILOR TO A HUB;THENCE EXTENDING NORTH 7 DEGREES 0 MINUTES WEST
100.0 FEET THROUGH THE CENTER LINE OF A PARTITION WALL AND BEYOND TO A POINT,THE PLACE OF
BEGINNING.
HAVING THEREON ERECTED A 2 STORY CONCRETE BLOCK AND PERMA STONE DWELLING KNOWN AND
NUMBERED AS 420 WEST PERRY STREET.
BEING A PART OF LOTS 7,8 AND 9,BLOCK"D", PLAN NO. 1, HOPPY'S ADDITION TO ENOLA RECORDED IN
THE CUMBERLAND COUNTY RECORDER OF DEEDS OFFICE IN PLAN BOOK 1,PAGE 97.
Exhibit G
1610VVd1110
600SL Xl'6u!AJI
SZOLL bd 'V_ION3 -PAIS Sew100 Sa-i 00V9
:olaouapuodsauo:D puag
it '38VOOW Nd3SO
lli'llllll,,,fill]III III 1111'1111'111I,,,,i11,11111111111'1111U1
M-s onoz
9616-89£05 bl'sauloy4 sap
961,699 XO8 Od
'C5 L20E T9LO .OLTT OUT LOE6 'oul We6yormo
OSM :oi 3uauJSed PUOS
Pled SBa-.
PUB 96elsOd•S•n
PIN ssei0-1s2ld 0606-68SZ6 d0'elnoauaal
12iOS3�ld 0606 XoS Od
'oul'a6ebPoyygi0
Sent Via Certified Mail
Date: 08/29/2014 9307 1100 1170 0761 3027 51
JOSEPH MCCABE, H
420 WEST PERRY STREET
ENOLA, PA 17025
RE: Property Address: 420 WEST PERRY STREET
ENOLA,PA 17025
CitiMortgage Loan#: --
ACT
_ACT 91 NOTICE
TA "' ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose. Suecific information about the nature of the default is provided in
the attached pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help save Your home. This Notice explains how the program
works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency„
The name address and phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice If you have any questions you may call the
Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397 (Persons with i aired
hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association
may be able to help you find a lawyer.
LA NOTMCAC16N EN ADJUNTO ES DE SOMA IMPORTANCIA, PLIES AFECTA SU DERECIfO A
CONTINUAR VI.VIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAAIANDO ESTA AGENCIA (PENNSYLVANIA
CITIPAACT91
Page 1 of 9307 1100 1170 0761 3027 51
HOUSING FINANCE AGENCY) SIV CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): JOSEPH MCCABE.II
JOSEPH J MCCABE
BARBARA.A MCCABE
PROPERTY ADDRESS: 420 WEST PERRY STREET
ENOLA,PA 17025
LOAN ACCT.NO.:
ORIGINAL LENDER: MORTGAGE INVESTORS CORPORATION
CURRENT LENDEWSERVICER: CitiMortgage,Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS,AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE — Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three(3) days for mailing).
During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit
counseling agencies listed at the end. of this Notice. THIS MEETING MUST OCCUR WITHIN
THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE
THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT,"EXPLAINS
HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty(30)
days after the date of this meeting. The names addresses and teleahone numbers of designated consumer credit
counseling ar;enci.es for the county in which the property is located are set forth at the end of this Notice It is
only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth
later in this Notice(see following pages for specific information about the nature of your default.) You have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
CITIPAACT91
Page 2 of 6 9307 3100 1170 0761 3027 51
Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender
from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(30)
days of your face-to-face ineeting with the counseling agency.
YOU SHOULD FILE A HE31AP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH
A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN
APPLICATION UITH PHFA WITHIN 30 DAYS OF THAT MELTING, THEN THE LENDER WILL BE
TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINEDABOVE,17V THE SECTION CALLED 1TEAfP0RARySTA YOFFORECLOSU,
YOU HAVE THE RIGHT TO FILE A HF,MAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION,
BUT IF YOUR APPLICATION IS EVENTUALL Y APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,
THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.
You will be notifieddirectly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you Have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT(Bring it up to date/
NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property located at:
420 WEST PERRY STREET
ENOLA,PA.17025
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE M.ONTIMY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
04/01/13 through 1.1/01//.3
8 @$604.08/month
0 @$0.00/late charge/month
$4,832.64
12/01/13 through 08/01/14
9 @$600.60/month
0 @$0.00/late charge/month
$5,405.40
Other charges(explain/itemize):
Uncollected Late Charges: $288.37
Property Inspection.: $297.00
Unapplied funds in the amount of: ($83.18)
TOTAL AMOUNT PAST DUE: $10,740.23
Y HOW TO CURE THE DEFAULT— You may cure the default within THIRTY(30)DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $10,740.23, PLUS ANY
CITIPAACT91
" Page 3 of 6
4307 1100 1170 0761 3027 51
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and
sent to:
CitiMortgage,Inc.
P.O.BOX 183040
Columbus,OH 43218-3040
IF YOU DO NOT CURE THE DEFAULT—If you do not cure the default within THIRTY(30)DAYS of the date of
this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS; the
lender also intends to instruct its attorneys to start Iegal action to foreclose upon your mortgaged propertv.
IF THE MORTGAGE TS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually
incurred, up to 550.00. However, if legal. proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the
amount you owe the lender, which may also include other reasonable costs. If you cure the default within the
THIRTY(30)DAY period.you wilt not be required to pay attorney's fees
OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE—If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by Paving the total amount then
past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any
other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriff s Sale of
the mortgaged property could be held would be approximately 6 months from the date of this notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: CitiMortgage,Inc.
Address: P.O.Box 12218
Tucson,AZ 85732-2218
Phone Number: 1-877-362-0175
Fax lumber: 1-866-940-8147
Contact Person: MarkAnthony Hartland
E-Mail Address: markanthony.b.hartland@citi.com
CITIPAACr91
Page 4 of6 4307 1100 1170 0761 3027 51
EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home 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 requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (IiOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES 1N ANY CALENDAR YEAR)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON
THE ATTACHED LIST
TO THE EXTENT YOUR OBLIGATION HAS BEEN' DISCHARGED, OR IS SUBJECT TO AN
AUTOMATIC STAY OF BANKRUPTCY ORDER UNDER TITLE 11 OF THE UNITED STATES CODE,
THIS NOTICE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY AND DOES NOT
CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT ANY SUCH OBLIGATION.
CITIPAACT91
Page 5 of 6 9307 1100 1370 0761 3027 51
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Derry Street
Harrisburg,PA 1.7102 Harrisburg}PA 17104
888-51.1-2227. 71.7-2.32-9757
Housing.Alliance of York/Y Housing Resources Maranatha
290 West Mi arket Street 43 Philadelphia Avenue
York.PA 17401. Waynesboro,PA 17268
717-855-2752 717-762-3285.
PathStone Corporation PathStone Corporation
1625 North Front St 450 Cleveland Ave
Harrisburg,PA 17102 Chambersburg,PA I7201
717-234-6616 717-264-5913
PA Interfaith Community.Programs Inc PSA
40 E High Street 211 North Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110
717-334-1518 717-780-3940 800-342-2397
Current List Available At: http://�vww.phfa.org/forms/counseling agencies/hemap_agencies/hemap.pdf
v11644
Page 5 of 6
HC
9307 1100 1170 0761 3027 51
CitiMortgage,Inc.
PO Box 9090 KPRESO:RTTemecula,CA 92589-9090 ldSend Payment to: 228823849❑
CitiMortgage.Inc.
PO Box 689196
Des Moines,IA 50368-9196
20140829-168
.tll�I���IFIil�I'Elf�f�l�'IFF'+'l�IEFIII�t�f,l��l�lf��1"I'1�'�IF
Send correspondence to: JOSEPH MCCABE, II
CitiMorfgage,Inc. 420 WEST PERRY STREET
6400 las Colinas Blvd, ENOLA, PA 17025
Irving,TX 75039
0
CITIPAACT91
Date: 08/29/2014
JOSEPH MCCABE, H
420 WEST PERRY STREET
ENOLA, PA 17025
RE: Property Address: 420 NEST PERRY STREET
CitiMortgage Loan#: ENOLA, PA 17025
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mo rt age on Your home is in default and the lender
intends to foreclose. Specific information about the nature of the default is Provided in
the attached_pa�es
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP may be able to help save your home This Notice explains how the program
works.
To see if HEMAP can help, ou must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with ou when ou meet with the CounselingA enc .
The name address and.phone number of Consumer Credit Counseling A encies serving
your '—pun are listed at the end of this Notice if you have any questions you may call the
Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons -,with impaired
hearingcan call (717) 780-1869)
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association
may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, DUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N
OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA
c
CITIPAACT91
Page 1 of 6
2288238490
HOUSING FINANCE AGENT SIN CARGOS AL NUMERO
I
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO ROM-EOWN R S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): JOSEPH MCCABE,II
JOSEP14 J MCCABE
BARBARA A MCCABE
PROPERTY ADDRESS: 420 NEST PERRY STREET
ENOLA,PA 17025
LOAN ACCT.NO.:
ORIGINAL LENDER: MORTGAGE INVESTORS CORPORATION
CURRENT LENDER/SERVICER: CitiMortgage,Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE 'WHICH:CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS,AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty(30)days from the date of this Notice(plus three(3) days for mailing).
During that time you. must arrange and attend a "face-to-face" meeting with one of the consumer credit
counseling agencies listed at the end. of this Notice. THIS MEETING MUST OCCUR WITHIN
THIRTY-THREE 33 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.
THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT "EXPLAINS
HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty 00)
days after the date of this meeting. The names addresses andtel one numbers of desigpated.consumer credit
counseling agencies for the conn in which the proRgM is located are set forth at the end of this Notice. It is
only necessary to schedule one face-to-face meeting. Advise your lender immediateh,of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE—Your mortgage is in default for the reasons set forth
later in this Notice(see following pages for specific information about the nature of your default.) You have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
CITIPAACT91
Page 2 of 6
2288238490
Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender
from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(30)
days of your face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING 1111TH
A COUNSELINGAGENCY WITHEV 33 DAYS OF THE POSTAfARK DATE OF THIS NOTICE AND FILE AN'
APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN TIIE LENDER WILL BE
TEMPORARILY PREVENTED FROM STAR77NG A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINED ABOVE,IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE".
YOU HAVE THE RIGHT TO FILE A HEAIAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION,
BUT IF YOUR APPLICATION IS EVENTUALL Y APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,
THE FORECLOSURE WILL BE STOPPED.
AGENCY.ACTION Available funds for emergency mortgage assistance are very limited They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.
You will be notified.directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTENIPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT(Bring it up to date).
NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property located at:
420 WEST PERRY STREET
ENOLA,PA 17025
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
04/01/13 through 1.1/01/1.3
8 @$604.08/month
0 @$0.00/late eb.arge/month
$4,832.64
12/01/13 through 08/01/14
9 a $600.60/month
0 @$0.00/late charge/month
$5,405.40
Other charges(explain/itemize):
Uncollected Late Charges: $288.37
Property Inspection.: $297.00
Unapplied funds in the amount of: ($83.18)
TOTAL AMOUNT PAST DUE: $10,740.23
HOW TO CURE THE DEFAULT— You may cure the default within TI-HRTY (30)DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $10,740.23, PLUS ANY
S
CITIPAACr91
Page 3 of 2288238490
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and
sent to:
CitiMortgage,Inc.
P.O.13OX 183040
Columbus,OH 43218-3040
IF YOU DO NOT CURE THE DEFAULT—If you do not cure the default within TITIRTY(30)DAYS of the date of
this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
in monthly installments. if full payment of the total amount past due is not made within THIRTY(30) DAYS; the
lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually
incurred, up to 550:00. However, if legal proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the
amount you owe the lender, which may also include other reasonable costs. If von cure the default within the
THIRTY(30)DAY period.you will not be required to pay attorney's fees.
OTHER LENDER.REMEDIES — The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE—If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by ppyng the total amount then
past due, plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any
other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriff's Sale of
the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wai.t. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: CitiMortgage,Inc.
Address: P.O.Box 12218
Tucson.,AZ 85732-2218
Phone Number: 1-877-362-0175
Fax Number: 1-866-940-8147
Contact Person: MarkAnthony Hartland
E-Mail Address: markanthony.b.hartland@citi.com
CiT1PAACT91
Page 4of6 2286238490
EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to lire in the property after the Sheriffs Sale, a lawsuit to remove
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home 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 requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR.BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, 1F YOU CURE THE DEFAULT. (HOWEVER. YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON
THE ATTACHED LIST
TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED, OR IS SUBJECT TO AN
AUTOMATIC STAY OF BANKRUPTCY ORDER UNDER TITLE Ii OF THE UNITED STATES CODE,
THIS NOTICE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY AND DOES NOT
CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT ANY SUCH OBLIGATION.
CITIPAACT91
Page 5 of 6 2288238490
HEMAP. Consumer. Credit Counselin" Agencies
CUMBERLAND.County
Advantage Credit Counseling Service/CCCS,of Western PA Communitti Action Commission of Capital.Region
2000 Linglestown Road 1514 Derry Street
Harrisburg.PA 1.71.02 Harrisburg,PA.17.104
888-51.1-2227. 71.7-232-9757.
Housing Alliance.of York/Y.Housing Resources klaranatha.
290 West Market Street 43,Philadelphia Avenue.
York,PA 17401 Waynesboro,PA 17268 -
7.17-855-2752 717-762-3285.
PathStone Corporation PathStone Corporation
1625 North Front St 450.Cleveland Ave
Harrisburg,PA 17102 Chambersburg,PA.17201.
71.7-234-6616 717-264-5913.
PA Interfaith Community.Programs.Inc PHFA
40 E High Street 211 North.Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110.
717-334-1518 717-780-3940 800-342-2397.
Current List Available.At: http://wvvw.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf
v11644
tfC
Page 6 of 2288238490
CitiMortgage,Inc. PRESORT
PO Box 9090 First-Class Mail
Temecula,CA 92589-9090 U.S.Postage and
Fees Paid
W SO
Send Payment to:
CitiMortgage,Inc. 9307 1100 1170 0761 3027 68
PO Box 689196
Des Moines,IA 50368-9196
20140829-168
III IIIIIIIall il[„fi11
JOSEPH MCCABE, II
Send Correspondence to: 18 N. ENOLA DRIVE
CitiMortgage,Inc.
6400 Las Colinas Blvd. ENOLA, PA 17025
Irving,TX 75039
CITIPAACT91
Sent Via Certified Mail
Date: 08/29/2014 9307 1100 1170 0761 3027 68
JOSEPH MCCABE, II
18 N. ENOLA DRIVE
ENOLA, PA 17025
RE: Property Address: 420 WEST PERRY STREET
ENOLA, PA 17025
CitiMortgage Loan#:
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default and the lender
intends to foreclose. Specific information about the nature of the default is provided in
the attached pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help save your home. This Notice explains how the program
works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address, and.phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice If you have any questions you may call the
Pennsylvania.Housing Finance Agency toll-free at 1-800-342-2397 (Persons with impaired
hearing can call (717) 780-1869)
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association
may be able to help you find a lawyer.
LA NOTMCACIbN EN ADJUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VI.VIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA
CITIPAACT91
Pare 1 of 9307 1100 1170 0761 3027 66
HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): JOSEPH MCCABE,II
JOSEPH J MCCABE
BARBARA A MCCABE
PROPERTY ADDRESS: 420 WEST PERRY STREET
ENOLA, PA 17025
LOAN ACCT.NO.:
ORIGINAL LENDER: MORTGAGE INVESTORS CORPORATION
CURRENT LENDERISERVICER: CitiMortgage,Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND KELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS,AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty(30)days from the date of this Notice(plus three(3) days for mailing).
During that time you. must arrange and attend a "face-to-face" meeting with one of the consumer credit
counseling agencies listed at the end. of this Notice. THIS MEETING MUST OCCUR WITHIN
THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE
THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR.MORTGAGE DEFAULT," EXPLAINS
HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty(30)
days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit
counseling agencies for the county in which the property is located are set forth at the end of this Notice It is
only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific information about the nature of your default.) You have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
CITIPAACT91
Page 2of6 9307 1100 1170 0761 3027 68
Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender
from filing a foreclosure action,your application MUST be forwarded to PHFA and received within thirty(30)
days of your face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HE11AP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING 0011TH
A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTIVARK DATE OF THIS NOTICE AND FILE AN
APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN TIIE LENDER TVILL BE
TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARYSTAYOFFORECLOSURE".
YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION,
BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,
THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.
You will be notified.directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply.for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT JBring it up to date)
NATURE OF THE DEFAULT—The MORTGAGE debt held by the above Lender on your property located at:
420 WEST PERRY STREET
ENOLA.PA 17025
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
04/01/13 through 1.1/01/1.3
8 @$604.08/month
0 @$0.00/late charge/month
$4,832.64
12/01/13 through 08/01/14
9 @$600.60/month
0 @$0.001'latc charge/month
$5,405.40
Other charges(explain/itemize):
Uncollected Late Charges: $288.37
Property Inspection.: $297.00
Unapplied funds in the amount of: ($83.18)
TOTAL AMOUNT PAST DUE: $10,740.23
v HOW TO CURE THE DEFAULT— You may cure the default within TH[RTY (30)DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $10,740.23, PLUS ANY
CITIPAACT91
Page 3 of 4307 1100 1170 0761 3027 68
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash cashier's check. certified check or money order made payable and
sent to:
CitiMortgage,Inc.
P.O.BOX 183040
Columbus,OH 43218-3040
IF YOU DO NOT CURE THE DEFAULT—If you do not cure the default within THIRTY(30)DAYS of the date of
this Notice, the lender intends to exercise its riehts to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
in monthly installments. If full payment of the total amount past due is not made %Nitbin THIRTY(30) DAYS, the
lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaeed property.
IF THE MORTGAGE IS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually
incurred, up to 550.00. However, if legal proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the
amount you owe the lender, which may also include other reasonable costs. If you cure the default within the
THIRTY(30)DAY period,you will.not be required to pay attorney's fees.
OTHER LENDER REMEDIES — The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE—If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then
past due, plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriff's Sale as Specified in writing by the lender and by Performing any
other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriffs Sale of
the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: CitiMortgage,Inc.
Address: P.O.Box 12218
Tucson,AZ 85732-2218
Phone Number: 1-877-362-0175
Fax Number: 1-866-940-8147
Contact Person: MarkAnthony Hartland
E-Mail Address: markanthony.b.hartland@citi.com
CITIP.AAM. t
Page 4of6 9307 1100 1170 0711 3027 68
EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove.
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home 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 requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIES DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY :FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH:ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON
THE ATTACHED LIST
TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED, OR I'S SUBJECT TO AN
AUTOMATIC STAY OF BANKRUPTCY ORDER UNDER TITLE 11 OF THE UNITED STATES CODE,
THIS NOTICE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY AND DOES NOT
CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT ANY SUCH OBLIGATION.
CITIPAACT91
Page 5of6 9307 1100 1170 0761 3027 68
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Derry Street
Harrisburg,PA .1.7102 Harrisburg,PA 17104
888-511-2227. 717-232-9757.
Housing Alliance.of York/Y Housing Resource:-, NIlaranatha
290 West Ml arket Street 43 Philadelphia Avenue
York,PA 17401 Waynesboro,PA 17268
717-855-2752 717-762-3285.
PathStone Corporation PathStone Corporation
1625 North Front St 450 Cleveland Ave
Harrisburg,PA 17102 Chambersburg,PA 17201
717-234-6616 7.17-264-5913
PA Interfaith Community.Programs.Inc PITTA
40 E High Street 211 North.Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110
717-334-1518 717-780-3940 800-342-2397
Current List Available At: http://Www.phfa.org/farms/counseling_agencies/hemap_agencies/hemap.pdf
v11644
Ht
Page 6 of 9307 1100 1170 0761 3027 68
CitiMortgage,Inc.
PO Box 9090 PRESORT
Temecula,CA 92589-9090 First-Class Mail
U.S.Postage and
Fees Paid
Send tgag.ntto: 2288238489 WS0
PO Box 689196
Des Moines,IA 50368-9196
20140829-168
I�rrl���llrll�lilll'I�"III'If11��f��11�It�JIEf��ll��l�lll�l�il�
Send Correspondence to: JOSEPH MCCABE, II16 S ENOLA DR 213
CitiMortgage,Inc.
6400 Las Colinas Blvd. ENOLA, PA 17025-2732
Irving,TX 75039
CITIPAACT91
Date: 08/29/2014
JOSEPH MCCABE, II
16 S ENOLA DR 213
ENOLA, PA 17025-2732
RE: Property Address: 420 WEST PERRY STREET
ENOLA, PA 17025
CitMortgage Loan#:
ACT 91 NOTICE
T Alr-(111'd A C TION. T 0 SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose. Specific information about the nature of the default is provided in
the attached pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help save your home. This Notice explains how the program,
works.
To see if HE-MAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet w ith the Counseling Agency.
The name, address, and.phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice. If you have any questions you may call the
Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397 (Persons with impaired
hearing can call (717) 780-1869
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association
may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SU;NA IMPORTANCIA, PLIES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA
CITIPAACT91
Page I of 2288238489
HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): JOSEPH MCCABE,II
JOSEPH J MCCABE
BARBARA A MCCABE
PROPERTY ADDRESS: 420 NEST PERRY STREET
ENOLA, PA 17025
LOAN ACCT.NO.:
ORIGINAL LENDER: MORTGAGE INVESTORS CORPORATION
CURRENT LENDERISERVICER: CitiMortgage,Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS,AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty(30)days from the date of this Notice(plus three(3) days for mailing).
During that time youmust arrange and attend a "face-to-face" meeting with one of the consumer credit
counseling agencies listed at the end. of this Notice. THIS MEETING MUST OCCUR WITHIN
THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY .FOR
EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.
THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT," EXPLAINS
HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES — If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty(30)
days after the date of this meeting. The names, addresses and.telephone numbers of designated consumer credit
counseling agencies for the county in which the property is located are set forth at the end of this Notice It is
only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth
later in this Notice(see following pages for specific information about the nature of your default.) You have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.
To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
CITIPAACT91
Page 2 of6 2288238489
Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender
from filing a foreclosure action,your application M IST be forwarded to PHFA and received within thirty(30)
days of your face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH
A COUNSELING AGENCY WITHEV 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN
APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE
TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARYSTAYOF FORECLOSURE".
YOU HAIIE THE RIGHT TO FILE A HF:MAP APPLICATION EVEN BEYOND THESE TLVE PERIODS. A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION,
BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,
THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION — Available funds for emergency mortgage assistance are very limited They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.
You will be notified.directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy,you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT(Bring it up to date
NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property Located at:
420 WEST PERRY STREET
ENOLA.PA 17025
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTI-.Y MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
04/01/13 through 1.1/01/13
8 @$604.08/month
0 @$0.00/1ate charge/month
$4,832.64
12/01/13 through 08/01/14
9 @$600.60/month
0 @$0.00/late charge/month
$5,405.40
Other charges(explain,/itemize):
Uncollected Late Charges: $288.37
Property Inspection: $297.00
Unapplied funds in the amount of: ($83.18)
TOTAL AMOUNT PAST DUE: $10,740.23
HOW TO CURE THE DEFAULT--You may cure the default within THIRTY (30)DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $10,740.23, PLUS ANY
CITIPAACT91
Page 3 of 2288238489
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash cashier's check, certified check or money order made payable and
sent to:
CitiMortgage,Inc.
P.O.BOX 183040
Columbus,OR 43218-3040
IF YOU DO NOT CURE THE DEFAULT—If.you do not cure the default within THIRTY(30)DAYS of the date of
this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage
in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the
lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually
incurred, up to S50.00. However, if legal. proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the
amount you owe the lender, which may also include other reasonable costs. If you cure the default within the
THIRTY (30)DAY period,you will not be required to pay attornev's fees.
OTHER LENDER REMEDIES — The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then
past due plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any
other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE—it is estimated that the earliest date that such a Sheriffs Sale of
the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: CitiMortgage,Inc.
Address: P.O.Box 12218
Tucson,AZ 85732-2218
Phone Number: 1-877-362-0175
Fax Number: 1-866-940-8147
Contact Person: MarkAnthony Hartland
E-Mail Address: markanthony.b.hartland@citi.com
CITIPAACT91
Page 4of6 2288238489
EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs Sale- will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home 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 requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR.BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON
THE ATTACHED LIST
TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED, OR IS SUBJECT TO AN
AUTOMATIC STAY OF BANKRUPTCY ORDER UNDER TITLE 11 OF THE UNITED STATES CODE,
THIS NOTICE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY AND DOES NOT
CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT ANY SUCH OBLIGATION.
CITIPAACT91
Page 5 of 6 2288238489
HEMAP. Consumer Credit Counseling Agencies
CUMBERLAND.County
Advantage Credit Counseling Service/CCCS.of western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Derry Street
Harrisburg;.PA.1.7102 Harrisburg,PA 1.7104
888-51.1-2227. 71.7-232-9757.
Housing Alliance.of York/Y.Housing Resources Maranatha
290 West Market Street 43 Philadelphia Avenue
York,PA 17401 Waynesboro,PA 17268
717-855-2752 717-762-3285,
PathStone Corporation PathStone Corporation
1625 North Front St 450 Cleveland Ave
Harrisburg,PA.17102 Chambersburg,PA 17201.
71.7-234-6616 717-264-5913
PA Interfaith Community.Programs Inc PHFA.
40 E High Street 211 North.Front Street
Gettysburg,PA 17325 Harrisburg,PA.17110.
717-334-1518 717-780-3940 800-342-2397
Current List Available At http://www.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf
v11644.
HC
Page 6 of6 2288238489
1.664
THE COURTS
FORM 1
CITIMORTGAGE, INC. IN THE COURT OF COMMON PLEAS
1000 Technology Drive
O'Fallon, MO 63368 ; CUMBERLAND COUNTY,
PENNSYLVANIA
Plaintiff,
Vs. '
CIVIL
Joseph J. McCabe, II, Administrator of the
Esate of Barbara A. McCabe a/k/a Barb '
McCabe, Deceased Mortgagor and Real Owner
18 N. Enola Avenue
Enola, PA 17025,
Defendant
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE
DIVERSION PROGRAM
home. You have been served with a foreclosure complaint that could cause you to lose your
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
st provide the
representative within twenty(20) days of the appointment date.,
a e. During uthat meeting,
legal
you must
provide the legal representative with all requested financial informati n 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 la y lawyer must take the following
steps to be eligible for a conciliation conference. Itis not necessary for you to contact
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
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.
jRobert
11 b 'tted:
Date
. William , Esquire
&Associates, IT
1 E. Stow Road
Marlton,NJ 08053
856-482-1400
856-482-9190 (f)
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
THE COURTS 1665
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Date Financial Worksheet
Cumberland County Court of Common Pleas Docket#
BORROWER REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your circumstances
to determine possible options while working with your,
Please provide the following information to the best of your knowledge:
CUSTOMER/PRIMARY APPLICANT
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 INFORMATION
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❑
88.28099
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
1666 THE COURTS
If yes,provide names,location of court,case number&attorney:
Assets Amount Owed: Value:
Home: $ $
Other Real.Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile#1: Model: �,e�:
Amount Owed: Value:
Automobile#2:Model: Year:
Amount Owed: Value:
Other transportation(automobiles boats motorcycles)• Model:
Year: Amount Owed: Value
Monthly Income
Name of Employees:
1.
2.
3.
Additional Income Description(not wages):
I• monthly amount:
2• monthly amount:
Borrower Pay Days: Co-Borrower Pay Days:
Monthly Exaenses:(Please only include expenses you are currently paying)
EXPENSE AMOUNT EXPENSE AMOUNT
Mortgage Food
2" Mortgage Utilities
Car Pa ent s ContJn/1q,-;g1i.Fees
Auto Insurance Med. not covered
Auto fuel/repairs Other prop.payment
Install.Loan Pa ents Cable TV
Child Su ort/Alim. S endin Mone
Day/Child Care/Tuit. Other Expenses
Amount Available for Monthly Mortgage Payments Based on Income&Expenses:
Have you been working with a Housing Counseling Agency?
Yes❑No❑
If yes,please provide the following information:
Counseling Agency:
Counselor:
Phone(Office): Fax:
88.28099 2
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
THE COURTS 1667
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance?
Yes ❑ No ❑
If yes,please indicate the status of the application:
Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your
delinquency?
Yes ❑ No ❑
If yes,please indicate the status of those negotiations:
Please provide the following information,if know,regarding your lender or lender's loan servicing company:
Lender's Contact(Name):
Phone:
Servicing Company(Name):
Contact:
Phone:
AUTHORIZATION
I/We,
named ,authorize the above
to use/refer this information to my lender/servicer for the sole purpose of
evaluating my financial situation for possible mortgage options.I/We understand that 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)
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
AFF CE of THE- susRlFF
HE. P ROTH G; 3
Jfiti 15 F f ti: 1 c,
CUMBERLAND COUP~ TY
PENNSYLVANIA
Citiimortgage, Inc.
vs.
Joseph Jonas McCabe, II
Case Number
2014-7310
SHERIFF'S RETURN OF SERVICE
12/22/2014 06:03 PM - Deputy Shawn Harrison, being duly sworn according to law, served the requested Complaint
in Mortgage Foreclosure by "personally" handing a true copy to a pers• epres i ng themselves to be
the Defendant, to wit: Joseph Jonas McCabe, II at 18 N. Enola Drive, =yen . Iro Township, Enola,
PA 17025.
SH N HA'' ON, DEPUTY
12/31/2014 04:59 PM - Deputy Shawn Gutshall, 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 Erin Stiles,
Step daughter of tentants Randy and Veda Slater, who accepted as "Adult Person in Charge" for
Occupant at 420 West Perry Street, East Pennsboro Township, Enola, PA$25.
S
.A
#'
- , • 'UTY
SHERIFF COST: $71.90 SO ANSWERS,
January 02, 2015
(c) CounlySuile Sheriff, Teleosoft, Inc.
RONNY R ANDERSON, SHERIFF