HomeMy WebLinkAbout06-0591
,
MATTLEMAN, WEINROTH & MILLER
BY: ROBERT W. CUSICK, ESQUIRE
ATTORNEY 1.0. NO. 80193
401 ROUTE 70 EAST, SUITE 100
CHERRY HILL, NJ 08034
(856) 429-5507, ATTORNEY FOR PLAINTIFF
NOVASTAR MORTGAGE, INC.
8140 WARD PARKWAY
KANSAS CITY, MO 64114
PLAINTIFF
Our File No: 859.66577
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
DOCKET NO.: 0(" - ~W Ci u'.l/~!
JANET E. ROUSH
PAUL A. ROUSH
246 EAST NORTH STREET
CARLISLE, PA 17013
DEFENDANT
COMPLAINT - CIVIL ACTION
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this compliant 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 compliant or for any other claim or relief requested by
the Plaintiff. You my lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUR WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
~
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas
en las paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda
y la notiticacion. Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y
entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demadadas en contra de
su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar
la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor
del demandato y requiere que usted crumpla con todas las provisiones de esta demanda. Usted
puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE AHOGADO 0 SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA
AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
,
MATTLEMAN, WEINROTH & MILLER
BY: ROBERT W. CUSICK, ESQUIRE
ATTORNEY 1.0. NO. 80193
401 ROUTE 70 EAST, SUITE 100
CHERRY HILL, NJ 08034
(856) 429-5507, ATTORNEY FOR PLAINTIFF
NOVASTAR MORTGAGE, INC.
8140 WARD PARKWAY
KANSAS CITY, MO 64114
PLAINTIFF
Our File No: 859.66577
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
DOCKET NO. 01... -SQf C!.~u;tT~i
JANET E. ROUSH
PAUL A. ROUSH
246 EAST NORTH STREET
CARLISLE, PA 17013
DEFENDANT
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is Novastar Mortgage, Inc., authorized to do business in the Commonwealth of
Pennsylvania with its principal place of business located at 8140 Ward Parkway, Kansas
City, MO 64114.
2. The names and last known address of the Defendant(s) are: Janet E. Roush and
Paul A. Roush, 246 East North Street, Carlisle, PA 17013.
3. The interest of each individual Defendant(s) is as mortgagor, andlor real owner of the
real property subject to the mortgage described below, or both.
4. On or about September 7,2004, Mortgagor(s) made, executed and delivered a
Mortgage upon the premises hereinafter described to First Horizon Home Loan
Corporation, subject Mortgage is recorded as follows:
Office of the Recorder of Deeds in and for Cumberland County
DATE OF MORTGAGE: 09/07/2004
DATE RECORDED: 09/15/2004
BOOK: 1880 PAGE: 4134
The Mortgage is a matter of public record and is incorporated herein as provided by Pa.
R.C.P. 1019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit
"A" and incorporated herein by reference.
,
5. On or about September 7, 2004, in consideration of their indebtedness to First Horizon
Home Loan Corporation, Janet E. Roush and Paul A. Roush made, executed and
delivered to First Horizon Home Loan Corporation a Promissory Note in the original
principal amount of $58,320.00.
6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original
Mortgagee, the legal successor in interest to the original Mortgagee, or the present
holder of the Mortgage by virtue of the following assignments:
ASSIGNOR: First Horizon Home Loan Corporation
ASSIGNEE: Novastar Mortgage, Inc.
RECORDING DATE: 07/29/2005
BOOK: 719 PAGE: 2499
7. The Mortgage is secured by property located at 246 East North Street, Carlisle, PA
17013, which is more particularly described in the legal description attached hereto as
Exhibit "B" and incorporated herein by reference.
8. The Mortgage is in default because the monthly installments of principal and interest
and other charges stated below, all as authorized by the Mortgage, due October 01,
2005, and monthly thereafter have not been paid, whereby the whole balance of
principal and all interest due thereon have become immediately due and payable
forthwith together with late charges, escrow deficit (if any), and costs of collection
including title search fees and reasonable attorney's fees.
9. The following amounts are due on the Mortgage:
Principal Balance:
$57,874.59
$1,995.40
8.65% interest from 09/01/2005 through
01/25/2006 at $13.68 per day
Other Fees
$97.50
$81.84
$3,399.50
$1,157.49
Late Charges
Attorney's Fees and Costs
Penalty Interest
,
TOTAL AMOUNT DUE
$64,606.32
Interest continues to accrue at the per diem rate of $13.68 for every day after January
25, 2006 that the debt remains unpaid.
10. During the course of this litigation costs may continue to accrue, including but not limited
to escrow advances, late charges, attorney's fees, and any other lawful foreclosure cost
and fees expended by the plaintiff.
11. The attorney's fees set forth above are in conformity with the Mortgage documents and
Pennsylvania Law, and will be collected in the event of a third party purchaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the sheriff sale, reasonable
attorney's fees will be charged.
12. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore,
Notice of Intention to Foreclose Mortgage, Pursuant Act 6, 41 P.S. 403, is not
applicable.
13. Pursuant to the notice provisions of Act 91, 35 P.S.1680.403 (c), Plaintiff sent the
combined Notice of Intention to Foreclose Mortgage and Act 91 notice to Defendant(s),
Janet E. Roush and Paul A. Roush, on December 14, 2005 attached hereto as Exhibit
"C".
14. Defendant(s) has failed to cure the default and Oefendant(s) has failed to meet with the
plaintiff or any of the consumer credit counseling agencies listed in the notice andlor
have further failed to meet the time limitations specified in the notice andlor have been
denied assistance from the Pennsylvania Housing Finance Agency.
15. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "0".
WHEREFORE, Plaintiff respectfully requests this court 10 enter judgment IN REM in
favor of Plaintiff and against the within named property of the Defendants in the amount set
forth in paragraph nine (9) of this complaint $64,606.32, plus additional fees and costs
expended by the Plaintiff in payment of taxes, sewer and water rents, claims or charges for
insurance costs or repairs and any and all other advances hereafter made by the Plaintiff,
pursuant to the rights and privileges granted under the terms of the subject mortgage, and for
foreclosure and sale of the Mortgaged property, plus 6% legal rate of interest, from the date of
Judgment to the time of sale.
ILLER
ROBER . USICK, ESQUIRE
ATTORNEY 1.0. NO. 80193
VERIFICATION
The undersigned, Robert W. Cusick, Esquire, being duly sworn according to law, deposes
and says that he is the attorney for Plaintiff and that she is authorized to make this Verification
on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are true and correct
to the best of his knowledge, information and belief.
THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE
MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO
UNSWORN FALSIFICATION TO AUTHORITIES.
DATE:
ROBEdE::
ATTORNEY FOR PLAINTIFF
Exhibit "A"
01119/2008 20:37 TEL 71759071Y4
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ROSERf P. ZIEGLER
RECORDER OF DEEDS
CUM6ERU,ND CDUIIT'r-PA
Zll/J'l SEP 15 Pf'l12 37
t) 17 Jd
Prqmtd lly: R= To:
,.."er sou:"" BOHlJ LO'" COllPOIlATJ:OJI ACADIA SET rLEMENT, LLC
~1 NORTH SCIENCE PAAK ROAD
5901 COLIJll;Z 1\01JL1IVUD. 3llD ,!,QQ" SUfI'\S 203E
OVIIR%.AIID PlUlJ:. J:S U~U STATECOU!'.GE,PA 16803
Pmtl NlIDIbtr: COllZlty. City. PH: 3t4-272-t40l FAX: 814-Z72-14<1O .
(Spoc. _ 'I1IIIl u.. hi' 1Il<onJiq DoIaI
MORTGAGE
0050315171
DBFlNrtIONS
Woods IlSOdIn UJDItip/c secliools of l/Iis dl.. ..~'" "'" deIintd below aad olller ",:"Ib are dcfiucd in S<ctiol:i
3, II, 13, 18,20 lIIl4 21. Ccnahulllcs regirding Ille wage of IYUI'ds 1IOed in Ibis """'........ ate also pro";I"'1
in ScctioD 16.
(A) 'S'o<uriIr~' ......,. dO:; dooumea~ 1W/cIl is diItd ll.pt...." 7 tho 2004
~r witIl all Ridern to this_
(8) "IIono...... is
JUft II: aODSR ~
PAm. 1 ROll'BB , IfU. . 1!U8be:ad
Po
lionoMr 1$ 1loc lIlOl'tp&or _ dlis SccuriIy IDsIl1lllleDl.
(e) ~ is J':tJtST sonZDII JIQIII !,0Alf COUOlUl'ttOll
Ltodcr Is a CORPOu:rtOll
Pm"""lvAHIA - Single _Iv - ,,"""'. MNlFr0d60 _ U/l/IFOI/IIl wsmuMa/T
-'...'AIIOOOII
P..,.,IIf', ~:~
WrlPMOIIl'UAQ:O!l'QNoI'''.(8QCJIZ'(.~.<'
Form 3,," 1 .;,1
II_'I
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OtPlized mI cxistin& Ullder dIo laws of '1'IIIl STAn: or UlfSAS
LaIder', ad<ht.s is UOO BOR:tROlf !r"Y. UVU'G, n 750U
l.mIer is !he IIIDIIpgee lIIlllcr dIis Security bl$lrumeDI.
(I)) 'Nola" _1IJo pnxIIis>o<y noo: sip:d "r !lQrrowcr wd _ SI"",I'-'IIIIO 7th, '004
The NOlt .-. dial ~...... Lender
1In'TY nllllT 'l'lIOUSlUIIl '1'IIIlA IItIImUD 'l'IIDITY ~ 00/100 DoIIl,.,
(O.S. S 58,320.00 ) plus ~ BorrowcrIw~101lIJl' lhi5debtinrqularPerlol:i;:
Paym:ms """ 10 pay !be ddx in fuU "'" Imuhan OCnlllmt:l., 2034
(E) "Property" IIl<aIII ~ J'l9PCrIy dial is desctillOd below ~{ 1be beadiDg 'llIJlSftlr of RiIbtS ill 1'1:
~..
(F) "LoIm' _ die debt evidencod by Cho NOlo, plus intttc'L any 1""JlOYD'e'" cbarses lIlId late cllarl"
due 1IIllI..- tbe NoIe, aod III SDmS due DlIlleT Ihi& sccurlly InsmmI<m, pl\lS ~
(0) "RIders" _ all Iliden 10 dIiI S<<:urity ~_ dial. are exccUIed ~, Ilor:rowtr_ The foIlowiJ Ii
Ride.. lIe 10 be ~ Ill' lloln>Wer (choclc box as applicable):
o AdjDs1llblc RaIe RIcIet B CoIxIomilDuol RIcIet 0 Sooood 1i0llll: Rider
B lIaIIoolIllider PIanucd Unit J>eveIolmeut: Rider 0 1-4 Family Rider
VA Rider 0 DiwmJy Pa)'lllOllt Rider 0 Odler(s}(S])lcify)
(II) . AJlIlIk:ablt .r..... _ all cmlmllin8 appIicahle fodcraI. stile mI Ioca.l _. "'suJalion ',.
orcliDaD;:.,. lllld admioislmliYe rules mI 0tIItn (Ihal have Cho effl::cj of law) .. '""U .. all .pp"'..... fim I.
IXDl .owo-.bbt. j,odiciaI opiDloos.
(I) "CoauDaItJ ~,IaIi_ Dua, Fta, ud i'T- _taQ" meaDS aD d'ccl. fees, atsc5mIcIIIs .IJJd otb~!
tharFs dial art imposed em Bmrower 01' tbe Prop<ny by a COIIdoIIIiIIilI .wociado4, IIoaIeowDeI r
associatio& or .iIIIiIar "'ll""'''''''''' .
PI __ _lnuIsfer' _III)tIlllDSfe,of_.OIbcr_.nmICliDnOl'l&lWcdbyobco::.,
dndl, ... - _ inslnDllClll, wllich is iDitialtd dJruu,tb III 0IeC_ !mIIl.DII, "'1eJiIooio iniInnIleII t,
COIllI>IIU. or IIIlIp<Cic llIpe so IS III Older, innnIet. or auIlIorize . lIlwIdiJ l1IId:u!ioll II> dehit or cedi< ."
ll<COlIIlt. SuC'h term iDcbIes. but is "'" 1imiI<d 10, poiDl-(lj'-taIo 1rIDSftn, IUIXl!lIatec\ Idler 1l*Ilil!,
0'llIISaCti0Ils. transfCII iIIiliaIW by 1ilIo~. wiIc traIdI$, lad aulllalalal ~hollIe trU5fm,
lK) ......... ~" _ diose ......Ihalllle desaibod ill Scaioo 3.
IL) ~----.. ~. _any<< ,!,>>......... ...lll.......d, hoW uf dm-. or pn>oc<ds paid t I
any dIin1 pony (other 1IlIlIl iII.1uraaco ~ paid ...... Iho OO\'~ deoc:rbtd iD _ S) Illr: ()-
damlp lD. at dc$liIocliou of, llIo Propony; (Ii) """'............ ... odIer IakiQg uf all.. lID}' put (J( llIo I'roper\l ;
[Iii) COJntyIDCG ill lieu. r1/. .d.-.ml~; or (tv) ~ of, or omiSli~ as: to. die value mII( r
COIIdiIion or Iho Prop<ny.
(!II) "M",- 1_' ...... iusunmcc pml<clioz Lender apiDsl lie llOa:>oymclll of. or de_ 00.
IIlC LotrD.
(N) 'Terlodlo: ~. _ lbe -,""Iy ~'-'"... _ due for (i) priDe ipal _ in",...llItIdet III'
NOIlO. plus (ii) any _ uader SccIion 3 of dds S...mty Im!nlmoDl.
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(0) "JlESPA" meaDS tbo Real EsWl: SeltIePlC"t Procc<Iuru Act (12 \J.S.C.St~tlM ~1 .. seq.) 0Ild II"
impI"""""", RgUla1loll. RquIalion X (24 C.l'.R.1'art 3m. U dley mlglJ; be ,mcIIlIcd ftoal time: w iB>l,.
or any addilionaI or =.... Iegl.mlioIl or reauJalioo. IIlall!l'l'~ 111: WIIC sutjttl malleI. Ai lISOd in II: i';
Seomhy IDsInlmellt, 'RESPA' drs 10 all ~ ond =trictiam tIW tte impo5cd ill reprd 10 .!I
.blera1Iy relo1r4 motlBI8C _. <:Val if Ibe LoaII dtle. llOl quaIif\' as . '_iIIy _ EIIOlt8J8C l01I,"
lIIIIer RESP A.
(P) .So........ ...1_ oflloml_' _Illy party IIlalIllla laktn!ide ID lboPropeny. wbclber OrDl<
IIlal jlIIJIY IllI6 IIISUPlOd llo....,.,.,... obJiaadom UDdt:t die NOIe llDlI/or Ibis Security :_
TRANSFBIl. OF RIGHTS IN nIB PROPERTY
This Sceurity IDs_' SOWIO> In J..oWor. (j) lbe repo)'llltlll of tbo L<>on. ond ,ll ......wolJ. ~_.... .. ,11
modifiralioDs of (he NOIe. ond fu) lII< porful1llllDCC of Bono.....', ~ .... ~ IUldcr 'i,;
Sccarity !DslnImout lIlIlI die Note. For Ibis ~. Bonower doe! bet.~ lIlOI:pac. JIIIlIIlld COIIV~ ))
!.caler the foUo~ _bod ptOj/Ctly IocaDed in Ibe Counl:y tIlr>O "'-IDI JuNdi.1lo! I
Of CWIb.Z'land {tJUDllorRlc:\:lld."Juri!Id~:
AU tbat tr.ct 0.. .,..,...1 of 1...<1 ". ._ 011 Sebadlll. oli.o at",,"4
hanto which i, !.ncorporat.4 baniD _ _ " part hotr.Of_
wbicb cumIIlly llIs 1110 _ of
2U IAS't :JtOR'tIl SnDT
ClIIIl.I8L111
("Property Addres&"):
~~.~~ 11013
lSual1
'~Co<'t
TOGI!THER WITH oil lbo ........- IIOW ... hueaflcr _ 011 tile ,,,,,,,,,ny. aod aU """""'.
aJlllWllOlllDOO$. IlllI mwm DOW or bmIllDr . JlIfI of dIo JlRlIlCr\Y. AD rcpIIocmlDlS IlllI a<kllIku &ball al ".
be 00'I0Rd by dlIs Security h...,....-. AD of lbc a.r~ is refomd III ill IIlil SccuriIy hdIi.........t lIS t ."
'Property. .
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BORl\OWllR COVENANTS tIIal Borm"",. is lawliilly seised of Ihe e&ID: belebJ conwyed lUld her.
.... rigbt 10 lIIOIllJI8t. gram aoo ~ lbo Property """ IbaIlbo Property is .......cl~ excepc f or
_ of reccnI. JIorn>wtr wortIllII """ wiD ddend .-RIJy I!Ic tilIc 10 lbo I'rOperty apiDst : U
cla1Jnl """ dcDand$. SIlbiect 101111/ ~ of reccnI..
11JlS SECURITY INSTRUMENT COIIlbilles Wlifo<m covatlIIl1S for ... DIll! ... mI IlIlI>\IIIifo< n
covtIlO1IlS widJ IlIDill:4 vziatioua bl' jurIs<IictioIIlO COIISIiGIz a \IIllf(Irm sccuri'Y iJulnmItIll CQY~ n III
~.
UNll'ORM COVENANTS. Bormwc.ll!IlI J..cOOer COII_ll!IlI qJee lIlllbllo....:
1. ~ or ~. -. _.. '-. ~ CblI~ aIId La C1....I"'.
IlorioWU lIIlBIl pay when duo .... prillClp8I of. BIIl1 _mt OD, tIIC lkbl evllkPCOd bl' lbe N<* lUld k'.!'
~ CIW'AeS Md _ ~ dlIe lIBler .... NOIe. Ilom>wer &baIJ abo ray fuDds fof Eserow IlOII"
purmmt III Sectioo 3. ~ duo UIIlkI' \be Nota m11bis Sccurlly _""" M be mode ., U !i.
curm>;y. HoWlOVer, if Illy cbcI:k or otber iD:I_ rte-eive4 \:If LcDdcI' as pey_ UDdor .... N(lIe or d h
Security IDsttumeDl is relll1'lled In UOIcr lqIIid. LeIJde. may mJIln: dial any or oIIllu!lGequcm (lI)'IlItI~;
due _r tho NOlO and IIIilI Securi1y WlI'\IIII<n1 be mode in one (It more of 1be followio8 f'oaDs. as !OIocl "I
\:If LeDlc:r:: (a) cash; (b) JllQIIO)' 0Idc:r; (e) certlfied c:boct. bmI: cbock. trcasum', ebetk or camer', cll.""
provJIe4 any Illld1 cllcck if dta"'" lIpOO ... iD:Ilimlion _ <I<:pIlsita .... in_ by . fedenl _I'.
imlnllllelllalll)'. or entity; or (4) Elcctn:JDie Fuads TmI5f'cr.
~ life dmlle4 ~ by Leader wbon ..ceivecl at lbo IocatioJl (leoignatolI ill lbo NOIe or 1I1
_ olbor _ Il$ may be desipled by t.-Iu in acconlau;e with tile DOli", pOvilU>... in Sec1icm ; :!.
LeuIcr may reIIIrllllllf poYJIICIII or penial JIlYIIIOIIl if 1he ~ QE penialpoym"'" are iosulIiCieut 10 bri lIJ
1he Loan current. LelJder may actepl. III)' pI}lIlICIlt or pet1laI paymcIlI iDsulIicleI:l to bring dlc Loan com "
without waiver of Illy rishts btn:oodcr ot ~ In ils rlsIllIlO n:fuse sucII JII:/DI<D1 or penial paymeIlIS j"
tIIc ~. \lot Ulnder is DOt oIlIisaIed 10 apply 5UC~ poflDOlllS at dlc time suclt poymems are 1lCCtflI"d. If '" ::,
~ PaymaIt is opplied as of it; __.,." due _. 1heIl U_ DOCd JI(.t pay lDTeIal em IIIlIppIi ,,)
_. l.eDder may bold saclIl","1'P""'I fiIIds uadI Borrower IIlIkes payment " bring Ihe ...... current. If
IIorrower _ IlDI do 50 wldrin a _11Io poriod of lillie, LoIlder.-u eidJoI- awJY SIIC~ fuDds or rOllID
1IrolII1o llorn>wer. If DOl appIi<d eorIier.ruch fiIIds wiD be appIi<d 10 1he OIl-llns priDcIpII boIm:e U1Xr'
tIIC NoIe m......I....'7 prklr 10 _. No _ 01 ~ 1iiIIicb BonuweI mlgbt Ilavc lIOW or ill ,b.
m_ apinIt I..eIxIer .1laIl relieve Borrower floot maI:iDg poymosdI doe 1IIldc. Ihe NOlI: I1lII thi$ ScQu,y
1Ds_ or p:rl\>nDillc Ihe _ ODd ~ secured \:If Ibis Seeurityl_
2. ~ or PQa_ GO' Proooodil. ~.. olborwioo _ ill thi$ sec1ioo 2, oil _'1'
~ IIIlI appIiaI by LeIrder shall be: I!lPIied. iD Ihe lI1I1owiDB Oldot of prIorty: (a) iDIIlresl due 1IIIIIcr 'II.
Nora: (b) priDr;ipII due UIIlIer 0. Noll!; Ie)...... due 1IIlIIer SecdoD 3. Such rJOl7lllellll sbaJI be: lIpJlticd EO
-" Ptriodic ~ in _ order iD MIidI it bccaone due. Atty romaiIIiD3 1IIIlC_ sbaII be awJitd flrsl r..
IIIc r:Ilar&a.lel:OIKllO my ocher _ .... _1Ilis SoalriIy !uslnnneol, M<l _ 10'- dlc priDc\ d
boIm:e Of1ba No.,.
If LelllIe, receivc:s a JlIYIIIOIIt livm 80........' for . ilolio<proor Feriodio Paymr:rtt wbicb il>:WoI .
suflicie:1II _ lei JllIY my .... cbarge doe, .... Jl8YIIl"IlI may Ix: 1pJllle4 '" I!Ic deliDlpeat JllIYIIl<III ODd I,e
loIc cbarge.1f DIIXl> IbaIl ooe ~ Pllymr:ul1a~. I..eIxIer ...,., III)' JIIYIIlCIIl rcccMd fn ".
Bormwtr '" ... n:pllyIIlCIIt of 0. ~ PIymcnIs if, ao:IiD lbe emm lIIa~ ,ocIl P*YmtIIt can be poid i.
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full To tho extcJ>l1llal any excess exiR.. wr die paymcat is lI{!IIiecl to tho tilll JXIY1Dl'IIl of""" or 1IlOI'
_ PaYJl1Cll/li. ouoh o,.;aa may b6 applied to any Ia~ cblr80S dae. Yoluuary pnopaym<:olll _ I"
applXo1llnt 10 any preplymcm ellatp. lIIllll!lelllS ~ in lIlo N.....
Any WiNrioo of poylZICDI$. insuraIIce ~, or Miscc:1laueous ~; 10 principaJ CIIle UDder d"
NOlO _ DOl weM or poIljlODe die due dale. or ... tho lIIIIlJIlIIl, of tile ~j(; Pa)'DlOllll.
3. _ lor bcmr '-- ~ sbalI JlI1IO Leader tIlIlbe day Perio lie JlaymI:ms are due ..,
dle No... UllliIIbe NOIe i. pald in tUD, . sum (tile i'mJs') 10 provide tor pBymJDl .,r _ em. ~; (,:
laX" lllII ~"r<""""1$ 1Jld oIbot i_ w\llcb CIIl '/l"in priorily ""or tills SeaJrily _Dl as 0 .... .,,'
eJIC1lIlIbn1Ice 00 the PrilpertY: (b) \easebDId pIYIllO'*' or ~ _ UIIlbC Prt\lClI\y. if ally; (e) ~d
for any lllII all iusI>run roquired by Leu<Ior _ s..- ~: and (lI) Mo~ge;iIllulaDce ~. if ID I .
, . .
or any _ payable by Bonower 1D Leader in IkjJ of die plyulClll of Morlg"" IuouraIlCe pI'eIJUlIIIIS u:a
acconIaDce with die provision$ of Srdioo 10. 1beoe ~ arc talIe<1 ._ 110<,.. . Ar ~ or III..~"
time dUring t!Ie leD of tho Loan. 1.eDIer may ~ lbal ('..........;.y ....~ ~. Fees,OI,:1
AsJe_. It any. be osclOWC4 by Boml....r, aa11ll1Ch ~ fees and IISseSSI1l>''' shaI1 be llIl Esctow Iulll.
Borro_ sIloJI pI\lIIIfdy liuUisb 10 L=der alIllOtides of __ to be pU<l 11_ 1flIs Seea. Ilmow '"
sIIaII pay l..eDIer tile !ilb;I5 for _ Itr:mo 1lIllc~ l..eDIer waives Borrowor'. ,bIiptloa II> pill' Ihc Full',.
for any or aU ~ Iremo. LeDdcr "'*Y waive lIoriower's 0bIip1im to pay lQ teodI;r I'uQds Ibr any or ,II
E$Crow!leln< II any Ilme, AlJy such waivtr "'*Y cxjtY be in wtiq.1D l!Ie eve<<< of such waiver, _"
oIIaII pay din:<dy, wilen aIIl ~ payable, dle ......... duc lbr any Eocro", Ifem. fi>t """'" paymcal "r
- .... been waived by Leader aIIl, if Leader .o.m.., __ to LeU'"' ~ -iDs ...;11
paymeut witbiD such time perio4 as laIder "'*Y ~ lIorrower's oblipJion 10 mab: sucb peymow o.J
10 JlI<Mde tOCciplo - for all pIIJJ>OStI be ';.:;;:f be 0 coveoowt lllII ~JJ( """"'""'" ill dlis Seeur 1:1
lllsrnlmeDl. as tho pm.., 'Co.eD8DIlIII iJ; used in _ 9. If 8.1'R>WC1' iJ; obIiIalell 10 ,.:,
Eoc_ Items diecdY.llW5UllIlllO a waivesc.lllllI<irIOwer fails to pay !be O"'Oll'" clue: for an _I.. J:;
t-ler moy ex=ise its ripr. uoder Seodott 9 alii 1 pay $lIclI _ ml Bonm..er sllllllII<n ... ullllaaI ',J
\IDIler _ 9 to reply to LeIKIer auy IlICb ~ Loa;ler "'*Y ..voice IIIe '" iYor as to aoy or aD E$C!\ ".
!laDs II IllY limo by ollOlk:e gjwII ill ~ 10jdI SecliOII ), 1Ild,IIpDfl """, motJCIIIioD. _ sb fG
pay to U!alet aU FuDds. 11II ill IUCh 1IIIlIUIb. 1bat ale Ibco mj11im11IIIIer this S<::tioa 3,
Lade< fIllY, at my lime, coIIcct mI hoIII ~ ill ... __ (0) sufficiI:I, 10 poJmir Leudet 10 an Iy
1Ilc I'1IIId$ IlIbe lime opecillei:t lIIIlIer RBSPA, ""'l (b) IlOt 10 clCt<d die 11II1..... _ . Icufer uo
...,...., UIllIet RR'lI'A. leailet slIaD osdmu: Ibe ~ fIIl"IIIab """ till Ib, _ 01 _ daIa . oj
r_ e$IimaIos of expoIIdiues of _ ~ iIaDo or 0CII0rwisc ill accotlloce wiIII"W'''~ Lal I.
n.. JloDds oIIaII behold ill." loslW.... ~iIeJloIiD aD imuml by a l'r(ienI a,eocy, iDolnlllllOlllli;,',
01-" (iIa:Iudi1lc um.r,II'um.ris...~...... deposita "",...iIlau:O'ed)ormany ~Ho".
\.(ljlD Bmk. Leader .shaU lQlllIy 1Ilc PwIds II> pay /be Escro'N iIaDo flrI) _ II." Ibe lime specified lIDl",r
Rl3SPA. Lc.bIet ahaD DOl. eJwse IIclcroIlItr for ~ ;III.t IJ1lI1io8 die hlllls. ....an,. 1IIIlII1r:iaI I,.
........ accaomt, or verityiDB die l!scrow _. ..bios. Lender pays II<>noMo' ~I Ol\ dle PwIds .lId
AW_ Law pcmDts Leader II> maD ...... 0 ebarJe. tiDIes. an .......... ia ucle ;" wriolos or AppIica' ,Ie
Law ~ _'l3t to be JlIid Olllbe PImds, LeuIer ;baUDOt be ~ 10 pay _ auy _ ':lr
oatniogs Oft IIIe Fuudo. Borrower .... l.t:Ddu CllIl .p.. in writing, bmvcvu. Iba, _I shall be paid... 1:1/:
I
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,
DDSDl1S87'
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FvtM 303~ 1 ~:'1
1I1880PG413&
.
@070
01/19/2006 20:39 TEL 71759971~4
J CONRAD
FundI. Lender SIWl give to llorroWor, wllbwl clmrg/:. an IIAl81 accouPUPs of Ibc !'mods lIS ~ b I
RBSPA.
Ii u.- is a SII7pIDo of _ bold in escrow, .. dcfill;d 1U>Ier RESPA. LeDIl:r ~ lICCOUlll I r
Borrower for till> C>CCN IiJIIIs ill ~ wiIb RBSPA. If tIlI>.. io. obortaF If I'Imdo bold m esetOW.I'
defillo<l _ Rj;SPA, 1.oDdOr slWIlIOIiI'y ~r .. RqIIiRd b\' RIlSPA, !1Il\I ~ - pay I;'
leJldor Ibc _ DeCeSUI)I to _ lIP till> ..... ill acconlaIIce with JIlSp 11., bit ill 00 IIIDI<llblal II.
\'Il<lIIIbI)' payIIlI!IlIS. If ......ls adeficiouoy ofl'wlds bold ill escrow. is dl!finld _ RllSPA. LmIer sbJU
DOdI'y Borr"""'" as ~ by RESPA, 11II ~ obaII pIf lD Lender.... an"""" ae<esslUY lD'" ~l'
iii< del'iciollCjr ill acconlallce widl RESP"" bolt ill DO """" _ 12 JD<JDIIly Jl8l'IIlI'IlO.
UJIOII JlO)'IDOIIt in lUll of an _ ~ by this Security IDslr\uII!nl. LmIer slWl (lIQIIllll1y reftmd (I
Ilam)_ ony FlmdS beld lIy Lemler.
4. CIIaqrs; I.leDs. Barrnwor .hall pay an _., wes_, l:lw1ll", tlooo. IlDll impooilioo II
smibuIaIlIe 10 .... Propeny _ can IItIin priorlly over lhis Sc<:umy /nslIQlD:al. - ]ll)'lllOlllS ,'r
8JOOnd ram em die Propeny. ifony.m1......-...;1y ....oocioIioD Dues,l'ces,1lDll AiSWIllClIIS, if lIlY. To U"
= thallb<S< IIcms IIJC escrow Jl<Ius, IIorrow<r $ball pay tIlOm ill .... _ p.'O\IiIocIlD Sccdon ,.
Borrower sIIIll JlIOlIlPIlY tlisclIargc "">' IiCII "hIM 11II$ prioriIy over dlls Scc:urily ID&_ uolc"
Ilon'ower. (a) agJees in wriIiDB lD Ibe pIl'IDOIll of.... DbIipIicm occamIlIy .... lieD in . _ actqJIllbk: "
!..eador, "'" ally ... looa .. _ k porfolIlling sudI ~; (b) e<mIOlllS 1110 IieIl ill good flIiIb b\'. It'
_ apimt _ of Ibe lieD in, legs! 1"" 11"8' wtrich in Lemler', ori/lIoo operae m pmeDt d"
_..ru.............. of Ibe IiCII wIIile _ _c4iap IIJC~, INIllIlIy IlDti1 - 1'''''-''''8" uelXlDOludc I;
or (c) _ &om IIle boldor of .... IieII all ~ sad$1llcmIy 10 LcII(\cr $1l\lollliDlCinz dJc IiCIIw 11 ir.
Socurity 1Ds_. It l:.aKIet dclttlllincs IIlIl any pan of Ibc Property is subject II> a IieIl wIlicII Call am J:I
priorily OVCT tbis Secnrity __, Leude. ..." a;.-. llOrtOwet a _ idol~ Ibc Jica. WilbiD '"
<IIlys of IIle _ CD w'bitb dlaI uo1ice is giVen. Borrower oIIaI1 sadsty .... UctI ,~ tale _ or IIKIIC of {"
acliooo oellOOll above ill Ibis SIlclion 4.
Loflder ...y ro<pire 10""",", lD Jll'Y a oae-time: dlar&e for . real _Ie (ax 'I~ ...vor repoI6ll'1
senice used 1ly Leudot in CQnll<cllo'l willi tbis LouI-
5. PnIportJ 1_, Ilont>wa sbaII......1be impuv_ oow ooi$liPl; tit Ile<WtU e:rectaI OIl I."
Ptoporly _ aplmt Joss l1jIllte, b:iDnIs iDcIulIed wilIllD die tenD "e.fIIlllIe:l -. . mI 311I' odI"
~ iocludilqj:. but DDl1imi1l:d to, eardIopabo m1I1oods, for wbich Ldlder JtqDiret iDsutance, 1'1i!,
~ 5baIl bo _i......... in 1110 IIIIlCJII*Ia (lIlCbIiDtl __ levels) mI for Ibe periods "'t LcDJ ".
r<<Jllres. WIW UDder ....,uu PII'IUIIIt to tbo pI<OCdiDa ..- can cbiqe tllIriD& 1110 term of 1110 Loo ,..
1'IJc iDlwm:o canie;r p:uvidirlg die insuraP;;e sbaIl bo chooeo 1ly !lonov.olr soiject II> LmIer'. riP u
~ Borrower's cboice, Mdch ript sbaD IlDt bo exercised _ably. LeaIer may ....."
Bom;noer to (lll)', in COIlIIIldioo willi thia Loan, eiIbcr. ta) a lJDO.1im; charge 10, flood _ ~"""""riQ"
certification aod lI'lIddJIg aervicoa; or (b) a oae.Qme cbarp for tIood roDe dellUDi11a1ioa mI ocnificaIi <.
seMces mI ""'<<<10"'" e/wp!s ear:h rime -llPT or sImiJar cIIatIF< OC:CIll' wbich IeUlllIIIllIy De ,I
alItct_ ~ orcenificaliou. ~ sbaDaIsobe ~ he....Jl'l)'D>OIIt oflD'f fe",
~ l>Y iIlt FOlIeql ~ )of1RS""'('"\ AppJcy in ~ witIIlb, nMew of ID'f tlood zoo:,
delel'lDinlltiOll....nms fiom m objetIioo by 1loI1o......
00S031:;878
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~t \~OO fG, '-\ \~9
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14J~!L---
01/19/2006 20:39 TEL 71759977Y4
J CONRAD
1i!I072
If Ilom>wcr tai1s to _ my of lbc """""'P' doocribell above, 1-000000r ....y oblain imunr.le
covorage, at Laldr:r', oprim lI/IlI Bonowor', <'P'D't. ltWcr i, WIlkr 00 obIiPlion III l"IfI'hare ""1
particular lJPC or _ of ~ TIwelllIe, such ~ sbaU oooer I.em, bill miSbI or mi8b1 ],J!
ll"'Il!Ct Ilorrower, Ilom>wer', eqally ]a die Pmperty, or die ""'*'>Is of Ibe Property, apins. my rUk,.... lI:d
or 1iabiIlIy Aod ruIp pmvidc groo.... or ....... CQV~ 1IIau _ JlIeVioIISly ill o1I'ocL Ilom>I IIlr
~ IhIC Ibe tost of die iIIsunIDce ~ '0 Q\JCained mi8bt &i8lilicaDdy txeetd lbe COSI Ilf
~ ftlot BomJ_ coullI bav< 1lllmiDod. A:l1J """""*' <lisbornd by Ltud:r IlIlIler Ibis Secdon S slJlD
boc:ome additi<ma1 debt of~ -.d by dIls Seaxily --. 'Ibm:lIllOOIlIll sbaU bear iDIms:.
tho Note rale nom Ibe da'" of ~ Aod sbaU be JB}'IIlIe. wiIh sucb iDII:o:st, UIlOD oolioc from Lm I'..
11) IloIJOWt1' I<lplOSlI1lg pa)'llltm.
AD iu,u..IJlCe policieo ltqUiIed by LmMr illd renowaI$ of sucb poJicloo man be ~ .. UO;lt (.
ri&bt II) ~. ""'" policleo, sbaD _ . ,_ IIlIIr'lP8t tlauoc, IDIlI sbaU _ Lcudor ,'IS
JllOIlIIBee anNor as III ~0IlII105S poycc. Lcudcr I5IIaIl !lave lbe riJbllO Ilnlcl Ibo policies 11II mIe1 /I~
~, If I.endet ..."u.:.. Bon'ower sIlolI prllIIlJIIIy give lD LelIder an rectipls ot paid .......;..... 1114
""",wal_. JJ Borrower obWm any bill of insI>roacc ~. DOl odlcr".. ...... by l<DlIcc, ;;~
damage OJ, or <I<cuucDoo of, tho Pmperry,lIOC!l policy all _ a 5IlIDllu<! JIllJItp8e cIaoSc lIlIIi 111,,0
..... LeIl4er.. IIIO~ aIIlIIor IUi an ~ Io8s llII)IOC.
In dlee.elll oflo8l.lIorYOwWsbaU gin pnlIlIpI DOlice so Ibe ~ ti<1erAod~, LealcrJuy
- proof of Iou if DDl DI8de Jl<OIIlPIly by llorrowor. U..... Laldr:r 11II m Ilmlwer 0Ibetwilc agn:e '"
wrillDs. aoy insoJaJll:<)l!OCZ<dI, wbedIcr or DOlIbe UIlIIcrtyias iIloormz was loqulred by Ltuder. sbaU llc
l\I'PlICd to RSIlIrIlioD or nopair of tbo Property, if Ibo ~1Dmion or retD ~ ~llY ~ . ~1
1.clIIkr', S<turity is OOIle_. DuIiD& sucll rcpalr mal reslDradon periocI. L<o4er sbaU IloMo Ibo r4ht t"
IloIcI sucb iDmrnnoe ptoceals UIIliI Leoder Ila$Ila4 III oppol'llllll1f .. inspect sucb Prw<r1Y II) CIIIUR Ibo 'PI( II<
has been ....."...a:d .. Leoder', <Oli'l'acIiDll. pIOIIlaed 1IIllI IIItb iospccIioo sIllll be ~ prompt".
Lendet IIIIl' wbursc proceeds for IIle "'PIirs IIIIIi JeSII).diud ill a single pa)'lll<lll or iD a """" of -.',
paJllll!DlS as IIle work is coqlleled UIlIes, an 881OCIIII:IIl is _ in wrifiIlg .". ^pp!lrobl. Law ...,w~'
inIcrcst to be paid Ira sucb iasunmr::< proc:eods. Leoder sbaU IlOC Ire reqdnd II) P'Y ~ my iIlIcICall,r
~ on such pzocted&. f'Ioe$ fOr pulIlie lIl\iOAm. or _ IIIird pu1ies. n:llIiIr:cl1ly Bortower sbaU 001 '"
paid wt of Ibo ~ pr<JCC<ds Illll sIl8lJ Ire 1he sole 0llIi8Ili0u of llorrowor. If die I'C>lOratlOa OS ropIlit 13
not ot........ally fOuilllcl or Leackr's ICCIIJity -"l be IcsocD:cl. IIle iDsunmct i~ _ be aw6<d '"
lbc """" "'""""'>d by Ibis SocuriIy '-'unont. MIc1her or 110\ ~ clue, willi tilt eJtc1i&, it lIIIY. pak\ '"
-. Such m.w..ce PfOCC<'ls lid Ire II'PIic4lD tIlo OIlIer provided for in SeOlion 2.
llllonower abmIom 11Io Propeny. L!:Ddor DII)' 11Io, ~ lIlIIi _ a<Y avaiIabIc iIlsunmcc clId II
Illll - """'.11 'Borrrlwor doellllll """"'" wldIiD 30 ~ ... . _ mIlD Loader iIIal tbo iIIsURD ':'
carrlcr.... 0_ .. ..ulc . claim, ~ leodcr DIIJ IICIOliaIr: .... stille 11Io claim. Tho 304Iy period w J:I
lrep. _ Ibo oodoo la F-- III ~ ovtDl, or if Loader qsires Ibe l>rrpony IlIIlIer Setdon 22 'II'
odlCI'wisc, -- hereby lIllSipIlO Loader (a) I!ormwer', ril!l* lD my illslII"'= pIOCI!edt in aD _'I
DDlIO exaed IIle """"""" uapIld 1llllIer lbc N'oCo or IIlia ScaulI,y ImII1llrEDl, aD<I ':1>) my _r of Jlolrowor"
ri&Im (otbcr thaD IIle risbllO my rcI;,od of lIDWIICd p.~ paidlly Bonvwcr) IIIIIIcr an iasunaJ: II
poIic:ies alvcrillg Ibe Prw<r1Y, intoIilr III sudl ri&Jtts are ~ to Ibo -se of tbc Propeny. LaD 1:
DIIJ use Ibe IIISwIaIcc proceeds eidler II) oepoir or _ 1he ~ or .. lilY _ lUIl'Ii4 _ d I:
NoCo or tb/s ScaulI,y __, wb:dlr:r or "'" tbcu due,
DDSDJ:l.587 I
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Fora 30U 11( ,
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Lao I _ -Of. ..
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01/19/2006 20:40 TEL 7175997794
J CONRAD
6-~. Borrower!ill8ll occupy, estallll&ll.1Ild \lie lIIe Property "" SO,lOWlll" jDdpol =idcD,~,
within 60 dtys _ 1Ile exl!Clllioo of tbiI Scauity llIIlZ\II=II W SIlaIl COIlliIIIt 111 occupy IIIc PrUpe:Iy '"
Borrowcr's priu:ipll ~ for 01 ....., ODe year _ the dale of OCQIPI""', unJess l.cDller olhorWi ,~,
asz= ill wrilin&, wblcII _ sball llOI be UIlI'e2SOIIabIy widJbeld. or um...- exll:llllm., dJtumslml'1:
.:dsI: MIicb 0J:1' boyCllllBorrower'S QODIIOI.
7, Preien>daa. MaI1IIeIIBIXe 8IMl ProIe<tIoa ef tile Prvpor1y; hIspt..... BorIo~r - ~ JoI
dtumy. darnoge or impoir Ibc Property, allow dle Property to dt",riora1e or 000 JIlIit WIllie 011 tile PJopa1I'.
WIlelller or DOt SOnower is re<idiu8 in tile \'I\Ipl1;Y. Borrower &haU maioraiD dle Propa\y ill order lu ~ 1,1
lIIe Propcf1)' frOm dI;lcrionrillg or ~ ill Qha; dut 10 lis OO""h;,., I.1ll1m it is dtfemllDcd pmuaIlIl'
StCliOll S thal rqliir or resfOl1lioD is DOt '" ~O-.; ally boible, Borrvwer slWl pnlOlllllY JqIIir IIIc P/Ilptrly III
daIIIIP II> avoil! I\II1bcr deIerloqtjoo or ....... If ~ or __ pm:eeds an paid ill
COIIIleCIion with daua&c to. or cb; takiutl of. dle i'Ioptl1y, Borrower sIIaIl be 'rcspollS3'b1e for rcpoiri1I& :',
n:Jitori!il dle PIOpelI1 0DIy if J..cu1c< bas teIeaIod pnx:ccda for -IIIlIPO'CS, LcIXler lDlIY dis1>la>c procce I';
for tho ttpalrs aIIll n:s1DnlioD in a siIlgJe PIJIDCIII or in a series of pn>gR$:' JlIYIIIClIlS as dlc WlJlt is
compIctcd. If dlc ~ or ,.....-..... proa:eds ate DOt 0Illllcicu1 lO ~alr or restore do: Proper I'.
Borrower is DOt relieved of llorrower's !lbIlp1iQQ for "'" completicn of such ropW or_
Leudor or m apt may _ .........."'" .- U)lIlIl lDtI blspc:<;tioas or .... l'Iopcrty, Ill. I..,
tcmOIIIItJIe C3lI$C. LeIldet may inspect 1lIe iaIerIor of 1lIe ~ 011 die PIopcny. l.emIet SIlaIl gi'i:
Bom>Mr IIOlicc at dle time of 01 prior to sucb .. ~ impcctiou spodlyids ...~ ..._hIo =.
.......n....1.OaII ~, \!orro9iet _be iIldofall. if,duriDg de Looo~ pro",,,,.
lIomJw.r QI' any pmlIIlS or 0IlliIia actins at 1IIt dira:liot1 of Borro_ or will. 1Iotn>Mr'. IaIowlrdSC "r
coosetII gave lIlIIuiaIIy fllls<. misleadiDg, or illataJ!Ul iulblllllllion or s_Dlt 10 Lralor (or foiled III
provide Lc1IIu wiIb. DIlUO:iaI ilIfo.."atioo) In """"""'"' witIl tho Looo. MaleriaI mpmialldoN IDoIWe. lilt
"'" DOt Iimill:d 10, ~rinn. coacemiog Bo~'. ooeJIJl8IlCY or IIIc Prop:rty IS """"""r', priDoij 'II
rellidellct;.
P. Ptolodlooo ot l<acIer". 1_ ID.... Pt.......!) _ IlIllIb IlIlder dllll SetIBiIy r...c.--Llf
(a) Borrower _ to pel1bmt lIIo """_ aIIll ..._ .......lnM In dlis Secuity IDstramoal. (b) Ibc.. :Is
a Iog,oI prtlCOOIIlng dIlIt mipt sl,gDificaDtIy a!It:<l ~'s ~. in dle PJop<t\)' and/Or ~ IllllItt ~ d$
Security InsuwuI:Ilt (SUCh as a ~ in bouIbupIcy. ~, li>r <OIII:mnaUou Or fodeialre. HIl
eGf\),CCIllCDI of . Jim wbi<:h may auaia priority over dlis SeaoriIy _:III or iii enforoe IawJ lIr
rogu1alions). or (e) Borrower bas ". ~,.,~ do: Property. dJcn !.cIIlIer IllO)' do and p.r *" whall:v... 'is
""~ or appropllale 10 protCCt Leader'. inlrJrest in lbe Property and risJa 1IIlIIct 1bis Seour w
lDstI'lImoat, ia:~ J>lUlOCIiIlS mIIor asso;siDg dle value of dle Propmy. urd JOICI1riDs lDtIIQI' rep.iri I,g
dle Propony. !.cIIlIe,". ocdoOS can ia:h>d.. .... are"" _ 11): (a) poyJne aoy ..... _ \ly a Iillo whi ::,
IJu prioricy .,... Ibis Sowrity IDotIulIlimI; (b) appearioB ill mII'l; ..., (e) p.yiDs __ .~' foes to
protect its iuI=at III dlc Propmy IIldIQI' riVta UIIda dIit ScwriIy ImInDDe:nl. h~ m _ poaiti 111
ill a -'\4lICt ~. Soouriog dill Prupony _. bot is not Iimisod ... ellIeliIlIlbe Propmy [0
moIa: tqIIIltI. ..... Iod:s. ropIpce or _ up -. ..., wIDdows. dnliD 'WIer hat JIiFes. t\ilDiI> de
buiIdla& or _ ""<lo >iolatioos or ~ toafiIioDJ. """ 1Ia... lIliIilies """'" 00 or off. Allbw II,
LeIIdcr may IaI:t a<tioa uDIa dIit 8eclion 9. LeIIdcr does DOt 1Ia... 10 do so 2111 iiloor \IIIdIlf any duty "
obIiplioD 10 do so. II is la<eed tltaI LtIldcr ia:urs 110 1iabiIlIf 'for not taJdog 'llJ' or IIIIC1il:lA9 audio';' ;,1
_ortlllO_9.
005031587B
_.CrA) ~
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f9nn~r;t:JJ 1 (11
"...,,,t.
OK 1880PG411d
.
.. _" L ~
li!IOiJ
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01/19/2006 20:40 TEL 7175997794
J CONRAD
1i!J074
Ally IIIIIllUIlt5 di<bursed by LeD1tr under Ibis Se(:1iotl 9 ,1laII become aldillMal debt of Borro..:r
.- by 1hil; SeaIriIy 1Ds_ These lIIIlOUII/$ sllaIl bear iorrest al the "'oil: '"'" from !be _ :f
dilll1nemelll zmd &baI1 bo payabk. wilh mob Interest. upon nodct ftoIll Lelxler .. 1I<>J1'MI;o( ~em 'll
payment.
If Ibis S<Curity _ is 011 a Ieasd>ol(l. Borrower &baI11;1lmp1y wiill all the. provisiom of file lea c:.
If Bonower """"iRs lOe Ilde ID 1llo Property. lhr: _ IlId file ftt tide shi,U DOt IllOtge unless Lead"
Ill"'" 10 the merger in wri1ilr&.
10, M~ JDnnDce. If l.eIIder ..~ MoI'll!ll8O ~ .. a C..Wtioa of IIIllkins tb: Lot II.
1lOm:>_ shall JIll' lilt plOjlliums ~ 10 mai.olaiD tb: MorI8Ill< """""" ia o&ct. If. lOr aD)' rcos< II,
the Morrps. ~ cov~ l'..,.ued by Lclldcr ceases 10 be: availabl. fmI. tho """"PJl! ........ 11';1
pevia>sly provia<d lIUCh iasurIocc and Borrower _ RqUircG II) matt Sepa_1)' ~ JlIIYIIICII':;
- !be prcmiuIIIs fOr MorlpF 1ft.......... 110_ IIIalIIIIY !be JII<IIliumI rcqWcd III olJcaiD COYe~ I~
SlIbslamiaIIy equkaleut to Ihc MorlllaB Jnsonmce pm'iooslJIln effect. III a co<: $IlllS1alllially e/JIivalom u
tho cost 10 !lIlrnJwu or the Monpge I'nsvraDee pfOVioatly in elfeot, from aD aIIetIliIc IIIOII8IllO iD<ut :I,'
seb:1od by !alder. If sub&1III1iaIly cquivaItat Mortpso !IIslItaPct coverqo is D>I availahIc, _ shill
COIIIiI:mt: 10 pay .. Lender !be _ of tb: seporalDly .....;,..-..... paymen13 /hat ..."" due VIbeD tho ~ .:;
cov~ ceased to bo ill dli:d LeD1tr wiD 1CCqll. use IIIlI retaiIl _ JlIlYJIICII,l; as a 1lOII-millldaIlIc .. '"
reserve in lieu or Mongsge 1'nsuraIlce. Such 10.. esetvt _ bo~. 1>DlWiIIllI.....~ !be fiIct 1b ,I:
tb: Leon is ulJirnal1y porid in run. and Leude< _ '"" bo ~ III pay 1loJroo..... auy ....... or W1lilll ,i
00 SIIcIlloss ......... '-"'del' em ...Icapr ItIPire loss _. poymeolS if Mori!:a8. __ ~ (II
the _ IlId for the period lhat Lculer rclj1Ii=) pn>VicIe6 by III insuitr ..~j by Lculer asam _ II
availablc. is obWacd, ..xl !.onder roquiIes ~ desi8Da1l:d .P')'DlClltllIlWIRI tb: ........ fOr Morlpj"
-.ce. If lJmdcr IOqOiIecI Morf&aIc .IIllilBall;c u a COlIIIitioD of makiug lb. Lom and lloml1IIer Wi"
I<QIIiJcd III ...... SOpuIlcly dcoiflll8ta\ ~ _ die preoWw. fu, Mot1pBe ~ Bono"",,
sIlaII JIll' me JlIl:Uliums n:qa/n:d to mail:JlaiQ MllIt88ll! Insu1axIee in ~ or to pr>vldc a lD-rcfimdabIe II' ,;
reser>e. uotiI lJmdcr', ~ for Mon,tit II:aImm.: ..m in ll<>COrdaace '.uII aD)' wriaIla _'I
bctwccIIllormwu and Leader )llllYidlI1g fur _ lwDiaatioD or 1IIlIi1 ranninaria. Is req>iad I'l' ^JlIlI.i<*b'l
Low. NOIIIlq ill dIis SecriaD 10 alfect8 Bonower', obIJsation to pay ioraresl at die ..... pmvilo:II in file NOll:.
Monpse lrIsuJaDce rcim~ kIIdcr (OIauy cWly -18U"- .... NJl'~) for ""miD Ioucs il "" \'
iD;ut ifllom>wer lIoos IIQI RJlII)" die L.oaa IS a~.IIOmI_ ilOOI. pan)' DIb! MortSlSe IIJsuraoce.
MOtlpS! i1Is1m:rJ ..u. Ibelr IllI8l rill< 011 III such irJsurlIDce illlOrc. 6 em Ifmc tll rime. IIld ....1'
enIlOr into .,.......,. wllh otb:r panioa dIat allare or axxlify 1beir rlsk, or ramcc k....s. 1be<e .......- .",
OIl - IIIId -...... lhat IIIe IWisf'ac/Qry to tb: """'- imu= .... Ibo otbe: pan)' (or ponIet) In lbe: <
~. ",.......-.. ""'1 >oquin: die IDlll'I/lI&C iDsum' III mal<e Jla)'IIlc1IIl.' usiDS IIDY soon:c oJ _,
lhat lhr: IIlOl1pp Insurer IIIlY _ II'IalIabIe (MlidI may _ fimds ot>tained from Monpse _,
~).
As a re.ult of ...... aareemcms, Lclldet.1IDY JllIII'IIUer of die Norc. _, iIlsmer. 11I)I ..~... /
otb:r cWly. or aD)' aIllIiare alllD)' aI tho tore....... may teeeivc (dirocdy or iIlIlirccdy) .- lhat dcm,
fAwlI (or m\sbl bt ~ as) . portioa alllom>wer'. pay1llCDlS for MOI1IF'I" iasunulce. ill excbaD8'
for 8IIIriD<< or modifT... tIIc IIlOrIpIC insuIu'. rilk, or ratuobla losses. If such ~ prvv\IIeI dllt .,
afllIiaro of Ltudcr -. . sIlano of tIIc ~,', risk ill .~ lOr. allare of 1be pt1:IIIOmm paiII .. ""
~. tbc anllD8""'t'l1 is oClcD fmIICd "c:aptivc n:~.. !lunIIer.
(~ AIIJ' ndI .11Ill... .... DOt alfeot 11Io _ that ........... '* ~ a. _ r.,
Ma"- '-_ or lIII1 0Iher ...... or lilt Lou. Sad! ... .f. .... .. -.- tile __:
......- .... owe r.... MoI1zoIe r--. aad tIIey wIIIllCIt emIde -.. ~_ fa_ n!'Imd.
"
0050315878
_..e(fPAI~ll
~_...,.
_ aLl!,
~.
F,"",~i. 1101
BIt 1 8 8 0 PG II 14 2,
,~"fJICt8'8~
01/19/2006 20:40 TEL 7175997794
J CONRAD
ldi 075
- ,..,~..-.~.~.-
\
I
I
I
I
I
11>) My ....,., ............. will IlOl oIroct Ibe r:l8ID Borrvwer .... - If _y - willi raped to ~ II:
~ I-.- omdor!be "-...... .......... Ad or 19!11 or IIIIJ' u1bor law. 'l1Iao rI&I* _II'
IDChldo Ibe rWa to receht cmatD _... .. ~ IIIlII __ -- or Ibe MOrlPOI'
~.1D bavellle Mortpp 1...- 14,,"WW _ all pqy, I1JIiIIot 10 ncdve....r...d or ill II'
MorIPIO___-"-_....--.dlt!lliOe...$III:!I.-DlCioD""u.--
11. 1-'" .. of lI"L-" nil rr-Isl FIOdoIIPro. All MlJceIlo<eous Proc:c<ds an: 1Im1'1'
J&si8no<IlO and _lllIl"'"Ito Lemler. .' .
If lIIe Pr1lpeIly jg ~. such Mis""u_.... Pro<ecdo sbalI be applied Ie' ."'"!"'1IIIOIl or repur of! '"
Pro\I<tt1 if tho ...._tiOP or IopIir is ev,- '.n,. ~ 11III Ltndor'. ......"Y IS DOl -*I, 0lIIlr Ii:
...ch tt~ ...a _doll perlocI, l.eader slW1 hm: 1110 risJIt to !JoId ouch lIi1<<'u........ l>rocced< 1lP !,'
uu.Jc<....1llId aa .......~ to inspec< _ PrOpeny to __ dlc wmk has I,..,.~ 10 l4PllCl ,
,........,_. p<OVided dI&t such ~dcP sllIIIl be ~ ptOIllpl\y, LeDIor moy JlIY for 1110 JqlIIir.l..:1
-.;on ill. sia8Jc dl.I.....oneno or in. Illlrics of J1I"IIm pIylIleDlI .. tbc ..",t is ,......~d, UlIIess . '"
agr<cD>'U is ID8de in WYiliD3 '" AppIlcI1lIe 1.0" RQ.UimI iDlmslm IllI plid OIl Sllth MJo-........... - t,
Lender slIoIl JIOl be rtqlIiRd 10 plY ~r lIlY iIUeIeIl or........ llIlllllCb Ml"""'- ~ It ~ '"
reslontioll or repair is not ~ly feaslbIe III Ltndor'. -nly IWUIil be ~, lIIo MiRI'-'" 'I'
Proceedll _ be applied .. !be _ aeeun:d by doia SecuriIy 1lIs_ ",l>edt,.. OJ IlOl dIeD Ooxo. TIich j ",
cX<:<IS. if 1llI)', poid ll> Do",,_. Sucb Misc<:-.w Proceeds _ be 0Wlled in Ibc ordu pn:wIdcd for ,:,
s..moo. 2.
10 lIIe ..,tIll of . IIlaIlIkiDg. deS_lion, or ws. in value of dlc Property, tbo M''''''''-''" Procco (,
!IlaIl bo oppIi<d 10 lIIe ...... IlCCIlIlIII by 11m Security Jnstmncut. wbttbcr or _ then dUe, wiIIllbe _, i,'
U1Y, JlOid" llorrowcr.
In tbc """"I of . pGllia1 taking, deSrzuetioIl, or loss in value of dlc Propcr-y in wbich 1bc wr mark '"
VIle or \lie I'ropcrty imlIlecIittoly bI:fOtt Ill/: portia! tU:iI>!:, d.._1io<I. oclo6s in value is 0Q'II1o or jll88IlI'
dwI tile _ 01 lilt SllIllIl secumI by Ibis SecuriIy ~ ..........,."'lJ _ Ill/: ~ lIkJq;,
dcsuuctioP. or 1o&s in .ab>o, \llllo>O llm:rovoer m11.-"1der 0lIltrwise _III wrilll'8, die _ !Cl:IlRd by 111 ,;
s-dIy lDs_ _ ~ <eduCed by Ill/: _ of the Mi'l>eJIIaCM F1IlOCCdI mnloiplV'<1 by a"
lblk>wiDll Fnotlon: (a).... _ _ of Ibc ...... IICClUe4 ,........,~'t\y 1lcIilR ., ~ talIIlg. \ltS1l\I\\Iil> \,
or los, Uo value dividecI by (b) lilt ~ IIIlIrl<tI vaJuo 01 lilt Pruperty jutl""....,11 bdore die por1iaJ 1aI<iD;;,
cks-uo..., or Jw in nlue. Any boIoIJlx IblD IllI paid to~.
In 1bc CYOlIl of . pardaI lIldo.s. de$rzuetioIl, Of .... .. v. of tbc Propotly .. wIoich Ibc ~ made"
vaIUc of lilt PIqlerty immcdiatoly before die poltial takiDs. dcsauclion, or loa, m _ is less ...... a.,
.- of 11& SIIIIlA """""" .....or 1Il...\y befon: lIIe JlUliaIIlIlcm8. clestt\IcIloI>. or loss ia ... ......,
1Iom>_ """ l.cDoIu ~ qrc:c: ,In wrilius. ... V-_ I'nICe<dS tUII \:10 aA>lXd 10 dlc _ 5,
socuml by Ibis Seauity _......4 ........... or 1IllI1bc...."" 1IlI:Il..
It 1be Property is ~ by Born1v<cr. or if. otter DOCicc by Lr:IIdcIID Borrower dial 11>0 ~:
Party (II- ilIll10 '*' -..oj oIl'cn 10 mok III a'trlllllD IOlde a claim fill~, _ &ill
tD IeSpCIIII1lO Louder widobI 30 ~ _ 11>0 dole die IllICIct ;, ~ LeuIor i. aadIorizl:d .. ~ III 1
apply 1IIc I\l~P_ PIllteeds eirJIer 10 ""lIlrIIioa Of JOpOir 01 die Properly OJ' ., lIIo ...... -I>)' a.; ,
Secumy In.I>..mo..t. wlle8let or DOl dlI:o due. .Oppooing Porty" __ 11& _ pony ~ ~ 1IouoM::
Miocellaooous Proc=Is or tho pany apiost _m !IoIrower .. a riIbt oIlQCioD in reprd III MiJ<elllllm.,
Proc:oeds.
_ sbalIlllI ill doilIuIt if ""'I ~ or prllCtCdinjl, ",1llI1IIer ciYiI Of ~ is \IegaII _ i I
LeDll:r'. ~'. o:ouIiI _I io ~ of the !'JqJotty or odoor IIIaIotioI impa__ 01 \.alder'. ...... t
ill tho Pmpcrty or riIbls uodcr dIls Security IIIstrumeDL ~ eaD CIllO lI1ICb . &filuIt mal, if aecdcr1dco,
11M 0CCDIJl!d. reiNGtc as proridod ill 8ectioD 19. by eoun., tile a:Iioa Ill' pJ'OCOOding II) IllI ~ wltb "
!IlIing II1at, ill 1.eDIeI', jl~. precludes fo.rfeillm: of tho Propcny or od"" maD:rloI iDIpUrmaIt 0'
OOS0315e78
_-8CPAl lOOOl,
I"tgaIO.rlO
....., ;:!::,~
I:f1"' .
_3OU '10
BK 1880PGIt 143
01/19/2006 20:41 TEL 7175997794
J CONRAD
141076
Ltndtr', illlcrm.. lll! Property o. ti8Jtl.'l- <his Security lmtrwlk:lll. The prc<oeecls of my l~ or cJaj ,:,
for <IaJIlaga rIlot tre IIllJ'ibutable 10 die impalnDeDl of Lcllder'. iIIIcrest 10 !he Property are hcteby ossip IH
IlDlI sha1I be paid 10 I..erJIer.
JJI !I';,.eno.w.,s P/llCeeds IIIa1 are 001 appIicd 10 reslOlaOOa or IqIlIiJ of aoe Prqlerty sbaQ. be appIill~'
in die order proYidI:d for in Seodon 1.
u. Bono..... Not ..-.II ForhoanuIte By Leador Not II W....t, ~ioI1 of 1IIe time f '"
l"'~ or JllOlIifil;Blion of tIDOnUalion of IIIc &UlllS -=1 by Ibls Seauil)l Imi~ snaed by Um;I ",'
In IlortOwtr or 8IIl' :illCCtssor in """rest of IlomlWCr sII1lII DOt operate 10 relcllic d1c JiolliIilf of Bonowcr ];.
8IIl' SucctsIo.. in lDlercst of Borrower. Lcllder _ DOt be ,.quirt4 In colllllJttl:e JlI'ICCCIIiDP apiDA .. ,,'
Successor in Iolcrt$t of BotrOWe. or 10 rcl\Jle to elllcld time for pey1tICllI or 0lIl erwiJe 1IlDlIlfiI1llII(lIIizau. iii
of d1c sums scamd by rhis Seaui'l' I:as_ by ...- of lIlIY demoallDlllle '~ tbe lll'ipliIlIorIoWeI IJ
allY s.xxason; ill lmm$1 of IIonowtlt. Any ~ by LelIder in ..en;.... IIlI)' ri8bI OJ' ...... ~I'
inclulIing, wilIIout Iimllalion, LmIc:r', acceplaJlOe or poymenu fnlIIllhlrd 1''''0''', c:ncItics or SUa:cs5or5 ill
JnleIUI or BorroweI' or in ~ Ie.. t!III1 tbe _ dIeD doe, _ mt be . ~ of at precllldc II.
exerdse or 8IIl' rigbt or reIDI!dy.
O..JoIDI ... _ I..bIlDy; Co ~ .. s-n ... "'"'*'" BOll"d. Borrower comlaDIS r 1;1
"8R:CS lbal Borrower'. obIiplioal aDd liability sbaIl be join1llDl1 severaL If<....... tJiY llom:>wer ...:>
ro-<i8m dlis 5et:urity IDs_I bPI tloe5 mt cm;ulC d1c Nocc (I "C<Hipcr"): (I,) is c:o-sipiI>t un. Sewti W
""'_ <dlly to morf8ISe, gnntlllll ctIINe'f dle oo-iiper's iDlmst iD Illo 1't\lI~ uuder IIIc _of d ;:,
Sccurily lIIsttumcDl; (b) is _ persoo>aIIy obIipa:d 10 pay tbe...... scamd by Glis Securily 1Ilslnlm<nt;..:I
(0) "lI'CCS 111I1 Lcllder lIIId lIlIY _ Ilon'ower CBIl lIgrct: III cxtaIl. ll1OiIify. - or - . W
Bcc(JOn'll<'d,riM< willt R:gaIIl 10 Ibc lenDS of 1bili SCCUlily ItlslrUIDonI or dJo I'QIe _t IIlo oo-<igocI';,
consent.
&.hjocllO dle prcwisillOs of _ 18. IIlI)' Su<:ccllIOt in fn\l:rOlll of Bo......:t wbo I5&IIIIIOi Borrowel '"
ot'llgasiol1s uodu Ibls Seauily ""'_ in MiliIl&, llld is aJlIl'OYCd by !.ellder, _ obI:IiD an (Ir
Ilomlwer', rigIns lIIId _ _ Ibis Sccuril)I InsuuuJcIIt. IIom>M:r ,'IaII DOt be ~ frr III
8om_'s ob\igaIioDJ and IiIIIiJity 1IIIder dIis 5et:urity __ _ LcI1d:r asrccs 10 such rc..... j"
wriliDI. .'lbe ellYeIIlIII5 mI ~ of dlis 5ecurily iIlslr1Imal1 sIlIII biP:I (OJ"",,, .. provided iD See.,.",
:l()) lIIIII. bcoefit tbe Sl.C:CeAOB m1l15ii81d of LetldeT.
14. Loa CI.attr& ~ ...., cliar&e IIouo1Iier li:cs for ..rviml pe.rormed in ~ W 111
1lorroWcr'. \lIIIDIt, lW dJo Jl'l'Pl"I' at ..~ LeaIer's _ in IIlo Property mI .... lII'lIet G.,
Security 1DriUuIlIcDl, incluIIiua. but DOt timid Ill,.-...,s' fOes. pItIIlCrty ...pn;tiOP mI vaIaItioIIli:cs. I"
repId to IIlI)' odler I'ees. ~ ~ of.......1IIlIIoriIy iD dlis Semrity IDstruIICIIl to ~ a ~ I C"
10 IIonowcr sbaIIllDt be COll$lnoellas II proIIibiti<oo OP dle cI>Irains of such li:c. Lellder Itll)lIIOt cIlal1le ft os
lIlat OR:...,....1y pnlIlililod by IIIis SccuriIy _ or by AppIica1llc La...
If IIlo LoaD is ~ 10 I law wbicb sea -~ _ dIaJ'&eB, m1lb11law is IiDIIJy iaIoIpR:ICd ,.,
lIIIt dJo iulmIl or odI:r loan cbarsea _ or to be ooIlooaocl iu ~'l'l _ die LoaD exceed 1 b.
penmlltd limits. thoa: (s) atIt lOCh loan cIwJc aIIlIII be Rduced by dIe'_ acelWy to rcdDoo die cbIl !:.
'" dle pelDlitlod Iimil; IIIIl (11) 8IIl' 0IlIllS aIIoaJly coIIocud fmD Borrower ~h ex.- P'~- lid: ;1.
will be _ 10 1Ionowcr. LeI>def may _ 10 _ IIIis _ by nducI" tbe pria::ip1 owed uII< or
IIlo NOlo or by toIIkiD3 a direot payllIelIIto Borrower. II . ..- r<dacc$ prirdpII, die -.;m will b.
_ to a pudaI pn...,U..... wilboot 8IIl' ..,..,..-I. clIaJ&e (Wbod1cr or not a ~ ~ i"
prorided Ibr _lite NOl8). BOrrtlWtl"s lItCCJlIII"'" of IIIIY lOCh ref'Und IOlIdo by direot poymcIIllD - ,.
will =<lito", . ...n.r of any rigbl of octiOllllonow!:r migbllltvt arIlil1, 001 of:1ItIt overelDrse.
005031587 a
~"CP""fD60"
p...t1 If"
..."..:J.!!1l.
rT9-....
~::Joae I'll
BK 1880PG4' 144.
w
01/19/2006 20:~1 TEL 717599779~
J CONRAD
IIiI 077
....,...-...."'..,-..,--. .,.
- .~....._,..,,~.._.
15. l'!Gtl<a, AD ootioot; given by IloIrOwtr or LeIIler in ~ Wlllllhis SeclIrity Imll1lDlOlll IlIlSl
be ill wriq. Arty Mtice Ii> Borrower in CD""""tI... with tbi$ SecuriIy !mIrw;_ sIIlIII be d~ 10 III..
IleeIl j!ivcn to Bo~i _ maiJod by tint c!ls& mall or _ _y <l<1iYtrcd 10 Bo.,v...r', Illli""
llOOre# if sl'IIl by Olbcr _. N'odce .. IlIl)' 0Il0 Ilonower sbalI CoiI$_ .'lIil:e III III !lotnl<ms 1IIl i::u
ARllieabIc law txpIooSly ~ ~ TIle _ lIddIes. sIIlIII be '1Ilo i'JOClell1 Adrlttss lID...
IIouo1otr bas ~Ied a __ nodee Iddms by IIllDce 10 LcaIer. Bo:~_ shtll JlIIlIllIlIIY IE tify
l=dor of Borrov.er', I'IWIgc of addreaI. If LeIIIer lpecllies . ~ fot I'CIj1Oriiq aom-r'l cIwlt. of
~S$.1Il<lI ~ sIlaII ou1y n:pon I cllonp of >Mms ~ _ speci:led proceduIc. ~:dIO)bc
0IlIy _ dcsipolol! llOlioc addttaI1IllIIe:t dIis SoQuity __ II any _ we, AD, DOli<:e OJ l.molu IlItIl
be !ivcn by dcliveritJ& iI or by IIIIiIlD& il by tint claS1l mail .. Leo<Itt'. .tdres, _Ilmirl _ l.eI: ~cr
IW dosIpIOd -.. odcIm;l by IlOlice to~, Ally aod"" in ~_ _ibis ~ IDslnm 1'1It
sbalI 001 be deemed 10 bIIW: bcca giV'" .. Londcr UIIliIlIClIIOUy '-iwd by LcIIlcr.1I 1ttJ'f _ ftlqOIinId 1'1
Ibis StcQriIy Im_ is also rc<pIited WIlIer ...~ Law, Ibe Applicable L.lIw reqdiIw.dlI wiD sit "ry
die c~ ~lIIllIer Ibis Socuri1y lPIInuD:nt.
16. ~ lAw; lie~ llaIss 01 c.......m..... nu. &curily i1s_ sIWl be pen "d
by fc<kraIlaw llIld 1bo law of ... jurisdicliOIlln wbicII ... Properly is locaiol. All rips aDd obllplio oil
1"''''''''' ID Ibis SeauiIy IDs_lie ~ "'aDy ~ aDd tia:ilalioD$ of AHJIicabIc L,w.
AppIioabIc Law migbt upIlcidy or lmpIi:i1ly aDow Ibe portico 10 apec by CODIl_ '" iI mi8bI be sIIoat, 'ut
SIlCb SiIeDce sbalI DOt be coa<tnJed as . probibIlioll apiDrt l\8lCOIlICD' by COllllllCt. In die ~ dlat IllY
provlsicB or clause of Ibis SccuriIy /11$_ or die Nole <llnlIi!:lS wiIh AwIi<>!blI; taw..sucb coolIict 11,<11
DOt aIfect otber )lIOVisiQQs of Ibis Soalrlty b_ or Ibe Note wbicb caP Ix: Pea dIict _t h.
~ pom.ion.
As used in Ibis Security iDslnlment: (a) word.< <If tile m......,... geulfer sbaD _ aDd iIdI lie
COl........,jiD& -. WOI\ls or WOIIfs of ... femiDiDt slllllcr. (\>) -m in ,lie 'iDaUIar tJllIII ....., H'd
iocIUdc Ibe p/ulIIJ aDd vioe .usa; IIIld (el dlc ~ "lilt)'" giYos 1010 <Ilsctedoa ,,_taDy obliplioa III D I:e
IlIl)'lK'lioo.
11.lJorraloer"s Con. Bon....er sbill be aWeD OlIO ""P1 of lIlC _ aDd ot.... Scwrlty '-umcuL
18. n-Ier 0I1Jle "-rty or a JIoafIelaI ,.... .. lJo..~.e.. I~ ued in Ibis Section ,I;,
"lmcmt in "'" Propony' _ ""Y kpl or bcoeIlcIaIlu1m&t ill Ibe ~i\Y, ioolodilg. ~ 1lllIlbDitt4 "'.
lbosc boDcfici;d imc:e<1$ II'IllIfCmd ill a boaIlUr deed, l:ClI\IDCl tor deed, Dl5mlln!Cflt $U:I ~ or esm 'i'
JI8=IlIOII!. tho ~ of wtritIIlt ... _ of lilIe by ~ a. . futunl daJo h. jIlIIC\ascr.
If aD or any JlIIl o(!be ~ '" lIlY !lletest illlIlc I'ropcny iI 80Id '" rr>DSfiOlrcll (or if!lorlllwU i,1
1lOla nalu>aJ pcnoe aDd . ~.I_ ill Jlonowcr is sold or ~ wi'" Lca\tr'. prior wriIl '"
-. UIldcr IlIay If.OIhc ;",_u... l*;vrrat ill lIdI of aD RllIIS _ ty 1biI S<cDritJ !D$InDDcll:.
HO",""et, Ibis optioI1 dIoJIllOI be ~ by LolIIer it SllCll ~ is )Jt(QIUoJ by ~ Law.
If Lmlu ~ IIIi5 ClJ)Iiou. LelIlIcr abIII give IJoml>ioer nodcc of ~ Tho _ sh 11
pmvjde a period of DOC '""* _ 30 ~ from "" _ ... _ ill givat iIIl~'-: ( wilh SoclioD :"
witIllu _ !Iornlwcr _ ~ all .... &eaIn4 by tlJiI SecuriIy blslrW\lelll. If IIonowclIilils .. po)' Ibe .:'
"""I prior III tho e>qdnIlon of Ibis palod, L=dot _ ilMlb "'>' ......&ca pe<Dliacd by Ibis SCCuri l'
b~....... wilIloul JIdIer mdce 01' demIud (lI\ 1lonmYor.
19, ~I . 10 IloI I I Aller ~V""'r.... If 1IOlT0MI' l1IllClI QerlaiD coodltioa:,
- &bill..... Ibe riBbllO..... ..4.....- of tIlis Secoui\Y ....."'- dif.""'Ii-.... at.:! time ptil.
to tbc earliesl of: (a) live dayt befIn ItIo 01 dlc "-'>' pII1lIIIII 10 lIlY 110M" 01 saJo ... .....1 in tll"
Soalrlty :r...a-, (tJ) ...... olhor porIod IS API ~ rllblc law miaIa 5)leCify fot lbo' \l!I'IIIIDaIiM of Bono_',
rip! .. rd1I5IaIe: "" (o) CIlII)' of . ~ to4o.",a" 1Ilis Securily lftIII_ 'Ibosc COIIdidoaa ... lis<
So=-: (a) PlYi Leader all ilia wIJicII dlca ..- lie due lIIllIer IIJis Sec:urily ","".......4 aud tbc Nolo ",
if Ill) aa:dclalioll bid occumd: (I)) ClUCS aay dtfiadt 0( my CldIr.r 00Y0DIIIIlI cr ~oCDb; (0) PlY' .I
005031s818
~""'A.~I
r_r,.r"
.....I.!! I<-
r-,
Form ,*03!1 110 I
BKI860PGlil45
01/19/2006 20:42 TEL 71759971Y4
J CONRAD
1i!I078
I
\
I
\
\
~ iI>:ur1elI in c:afotl:iog lbls Smlrily IllsIl1llllellt, inchxlin&, rol"'" Iimi%d 10. ~ _ 'I"
f1:cs. )ltOIltZ1y iDspec:tioIl ani! VIluIlion foes, mI odic< fees ~ I\lIlI= pillX*' of JlIlllII:IiDa LenlIe,'.
\mereS! ill Ibo Ptoperty IIId ri8bD 1lI>;Iet Ibi$ Sec;urity lD>u......tt; IIId (d) laku IIlCI> lICtiIIl> as !..oWer " I,y
_\1ly ........ I(l ..~ dIllS LCIIlI;r'6 ~_ in the Propony aDd. rl$bts \lD~r IIlis $ccuIirf _'I~
anl!llom>iVU's ~ 10 iDY !be IIlIII\lI 5OCIIl'ed by tlWo 8ec;1,1ri~ ""_. &llalI ~ 1III<bausl:1.
l.eIIIer ItJJry re<J1ire dlalllorrovler pay SUCb JtiDs__ __ aDd. tlpllllStli in t<lt or molt or the followil III
formS, IS seIeoll:Il by Laxk:r: (I) cosh; (1)) _y otllcr: (c) ctrti!ied cIlccI:, bCk oIletk, _r', cb<cl< "
__. cIIock, pmided rmy AICII cIkcl: is elm.... uplIIIlII iD$ti1Dlio4 wbosc dcp<'oII6 m iIIsIltW by a I'cdeI "I
aplCY, in11m~ or CIIlilY; or (d) EItCInxIlc PIIIlllo Tnnsfer. Upoo ...._by _, lIir.
SeaImy liJSIrUlllIJIIl illId oIl/l!IIi<lIlS s<cUt'OlIlIO>l:by IIliIIIICIIIIid tiJlly clt'ccli.Y\. as if .., ~ b<1
0<lClI<1<d. H_, dlis ri8ht ID ~ sllalllllll apply in the case or ucoIctttioo 1IIIIer Scclim 18.
a Salt of HOle. CIIuII of to. Semeer; N'CI4lce of G~ce. n. ~ or a ponW UDcnst ill 0"
II.., (~r wlllI tlWo Socurity TDsIruG>:Dl) COlI '- BOld OJIC or more times wiIboo It ptior IlllIice lD ~:,
A we mlgbt resuIl ill I c:lJoD8" in Ihc CIIliIy (laIoM1l1S lbe "Loaq .sc.vur') III8t ooIIeclS ~ Pa_,
dot llIIllor 1110 Not<: llOlI llIis ~ JDsIl'Ullll:lll mI perfoml< 0Cber ~ Ii>m """i<:ins ^"'ip"<'<"
~ Ihc MOle, 1IllB Secumjr Instrornelll. .md AjlpIicobIc Law, 'I'bcre _ miSht ,. _ or _ cIIU8<3 (I'
dle Ulan Scn>icer UIlIOIaled ID . $aIc of dle NOIC.lf ~ is . cbaP&t of the Loan ~,I!(lnowef wiI1 t l
&1'<.... >vriUoD IlOIice of dla chan&e widell wiJI ..... 1hc name .md ~ of lte _ Loon Semcu. II"
_. to wbi<:Il paymt:nl6 sIlOuId be IIlIIIIe azxIllIJ' Olbel' iaforloWioa RESPA ...1Uim in _0,., willl ,
~ 01 tnIlOl1:r of scrviciDg. If die N<ll6 ;. soIcI mI .....-.. dle lAa.n is servic'l~ by I Loan SU'Iicef Olbe ,
lIIan dle purtIlber of lbo N<>ta, Ibo IlIOIf808C loolI .CIVlcia& oIlIi3alionl lD BomlWtl' wiI1lC1111id with III,
Loon Sonlcer or be ......_ to . $llCCCdOl' Loon Sm1Cer IIIId are DOl .._~ by tilt Note porclwe'
Ulllt$S DIhetwi&e provided by lbe NOlO purcbaser.
~Ib<r Ilonvwer IIOf U:u<ler IIIIIY '--, jolsl, or be jollied to my juilicial _ (as tilher 1II
iDdividIlaIlilipDt or Ibo lDCIIIber of I class) Ibar ariSe. fnllD tilt olber pany', actioa. ~ III tlWo Scc:uriIJ
~ or lIIal aIIcpa that tilt .r Jlill1Y 1IIlIllreacb<d lIlY provWoa of, or P} lint)' _ by ...- of
tbi& $ccuri1y 1ld>~4 _ _ :Botmwcr ...l..eDder has nod&d dlo -I'"'ll' (1ridI9OIdI DDdoc &iVCIt it;
~00JPfl""'" w\III. Illt lC/jodt_ of ScclioD IS) of AICh aJlcBl'd bmIcll.... atIbnlo~ dle _ pony I1eItll i
<easouabIe poIicd after 1110 8iviPB of _ ~ 10 ., correcn.. actioD.1f AJlPIic~ Law proriIIe$ I limo
period _ _ cIIIpse Idn ccf1aia actioa em be taba. 1baf time period wiD 1>., ...- lD 110 ...~
I\lI plIIpOIeS of \IIis ptQBI1IiL 'lb!t aorice of ~tim IIIlll opporlulIity 40 ~ 81- IllIlonowcl' pJmWIl
III SectiOII 22 """ tlle ~ of accelenlicu p= 10 _ pu$lIIIlllO Secli<~ 18 dIaII be ~ III
sllilfy tilt DOIIoe IIIlll oppu....,qy 10 take l:lJOf:CIivc aclioa provisiops of Ibis ScctioD:n
21. <(~I ~- -. !li,~...... , As _ ill tbi& SccIioa 21; (I) "Ha.atdoD; ........-' ~ -
Sllbliauces <ItliDCol III tmic Of buardous su1maoces, po"'....... or _ by J!Ir,"-D) Law.... lbe
~ su1)Ho~,. psolD. kemleDc. _ ............. or mic pctrlIIeum pIlCIllClI. mic pcIllc;.r.. 0D0I
berbicides, ...wlIe _. DIIlerlab ~ asile<llIS' or fO~, .tiIill ,acIioocdve IlIIlDlrialI; (1))
"l!oyh.-1lIoI Law- __ rtllmIla-..s mllawl of 11Io jarlodiclioo WIlerO dle Propmy 4 IoC:aItd Ibar reIaIo
10 ~ saftty or ~ JlI1*'1lDD: (t) .~ CJc;taup. ial;blta IIIl)' ~ aaioD,
~ ........ or -1ClIOB, ulle1bled ill BnvIr..-l Law: oDd (d) III "I~ C.-idlnn'
_. ClIICIllioIllbeitCIII_, t:OllIri1l>te 10, or oIbcnvise aluer 1Il1la>;...........I~
0050)1$878
~"I"A'&lCIO"
,..,~"n.
_j4'-;
-r-:t.
rCMf'l'-MM 1101
8K 1880PG4146
01/19/2006 20:42 TEL 7175997794
J CONRAD
141079
Bom>wcr shall DOl ~ or permillbe preselICe, use. dispOSal. SIOItJt. Or Ieleue of ~ Hizardoo ~
SUbslllll:C.. or 1breai<D 10 mcasc my HazaRlous ~'-nce<, OIl or ill Ibe ~1IY. aor- .baIl DOl ....
1m allow aoyoae ebe rollo. :lD)'dJing ~ IIIC I'lOpeI1)' (a) dial is ill viabJioD of my I!o.h_ /1
LaW. (b) wbicb CIeaIoI an J!nvironulemaI CeadiIioO. or (0) v.1lIch. due 10 die ]lf~. -. or ~ of "
~ SIlbcaDce. ttUUos 1 toodition dllIIlItmady -.. die vU>e of tile PlUpCI'\lI. 'Ille ~..."
selIfm)Illl ~ DIll JRIIY 10 tile _-. use. or IlOD8iI OK die Propert)' of ""at ~, of HamIlol ~I
$0'-""'; dlal arc plUIlly recoSQI&ed 10 be Ip!II'OIO'ialll to _ ~., \__ro -~ ,~',
die Propeny (lllCblQ. llIIlIOIliIlllled ro, IIarUIouI JIIbstmces In _r pn1dtctI),
Borrower sbaIl prompdy gioe LelIlIer wriaoa DDtice of (a) my iIlvallpJioD, ~ cIemIlIII. laWSuit · ,
oober aodon by lID)' ~ or ~ IIaleY 01 private PAI1Y lIlvob'illl die I'It1pe1IY IIId alll
~ s.._ or l!ovil'oDmealal Law of Micb Borrower hl$ ac;ual ~. (b) 8Il f
~ C;:~ imlIIiIiDa but not IlmitallD. ~ spiIIiog. ~ dislJbarat. Jelease urdual . r
rdouc of C/ HazaRlowI SlDlanc>e. IIId (e) my lXIIlIIiIion oamed by die pJeltlrl:. we or .- of ·
~ ~ wIlidIltlvenely afI'ec1s die vaIQe of die ~. If Ilonuo,o:r 1Wll8.01' is IIOIificd bl
my aove~ or ~ry IulIlOrity. or 11II)I prbrae pony, IIlaI my IeIllOVOl .,r odlor rcmedWion of:llll
Hnanlws SII_ affecliIIlI tile I'zqleny jJ 1l/lttIIWy. IIorJvwer shall prompIIy IaJo: all_say remcdil J
acIioDs ill a....onIt1l<e with BavbOlllllCGtllLaw. NoIbing be.... shall ~ my o~liPtlOD 011 lJ::mIer fOr .,
~ae-p.
NON.UN1l'ORM COVENANtS. _ llIllIl...tI1det t'udl:r <<We1llIIIl1lllll aam lIS foIIOwo:
22. ~ 1>,........ .--..... po ..... .. lIomrlr... prior to ~. - faIIowlIIi:
Bon:....... ........ of 8111 co_ .....11 l~ III dlII SeeIriJ ...... tblIl _ prior t.
--..... ..... SodID8 ~ ....... .._ ,.... ~ P'OYIda 1IlherorIoo). laler 11IoII""" ~.
01...... ...... lIdop: (II) ... ~ Cbllloe 8CIIOol mpdrod . ~ die cW_ kl..... _ deIlIlII;
..1IIIt ~ ~ .... Ill) .... flIIIan 10 ...... IIoe diIbI* . ...... .., nil. .. ~ . ...... 0111I.
_ aeeand by lIIII SetaI1t1 ............ ~c b1 jJoIlrJoI ~ 11III .. III IIIe ~,
I.eIMkI' 11IIII1 rara...r Wur1II Bonowe\' 01 tile .. ~ _.. '1 Idolll _1IIe rWM 10 _:
In IIoe l'andcIAn ......... IIoe -.. 'r' I 01 . dIIaaIt or _ oilier *'- III .......... b.
. . l~.. uIl for<<Mart. 1111Io cIefull It "* ...... .. SpocIIIed, l.-Ior .. lis"'" IIIIIJ ""'*',
... .~..,- "" fwD vi 011_......... .., tIIIa Sec.tI1I.... t1rilllMt ,...... ....... ...
... ~ 11IIo SocurfIy I~ .., J.... "'1 (II"'" Leader all be fIIIIIIId III u6d .,.
...... loIelImd .. ....... IIIe r",,,,lIr ...mded III .... IildIllII ;U, '-ft"'" IJal .. IIIBIIcd to
1Id.~""" _ 01_..- II>lIotQIMI... 11'''1''''' ~I.....
...... UJlOll ~ of all _ lII:<:IlIllIIl1j 1Ilis ScI;mily h-_. 1Ilis SecIIrily ~
....Ihc -COIM)'ed sIJalI tenDinore lIliI ~ void. Aller _ _.l.aDr dIaII diidIiIp IlIC
-1'1 filii Securily 1>.4....... lloOowa' au P.'l UI)' J;eCOlIIIIioo c:osla_ LeaIIr ..Y ~ IlIlr..- :l lit<
fOr n:IcIlIiIll! dQ Securi1y In:II/Wl<Ilt, llul ~ lbe lIle is JUlIO llbinl pony lOt servicco ~ llIllI1lII
cIIIrIioI ot"lbe roe ill pennilllld "*r AWb LaW.
-u. Wahen. lIonower. 10 tile "s':.~~ by "'llPljHohLo Law, WIiYes and '*- my emn' 01
lIl!has ill 1"'- __1_.,. jo eIIfofte dli6 ty 1>.4_ ml....by ...m. dIo bcsIcfiI of ID)' ~ ..
fiJlue ..... ~ ror <lay of e.....tiOIa. exlCllSloo of dme, ..-& 110m _.-... levy iDd _.lIDO
n.-~mn~ elll.'I;"u,.4'll)t'lo
25.11......... -' PcrIod.IIoI1'oMr', ';"'10 reizII~ pcovidcot in Soctiao. n 6bIlI UliIIllIIO 000 _
prior 10 lbe . - " . of bicIdms 11 a sborilf'. _ or odlu salt poIlulUIt 10 lIIi. SecariI)' lb.1luUk04.
U. I'll> ' Maaq ~ Jf WIY vltlle doIll __ by dIla S-'ity lolIliumeIlt is k:at III
BOmIwcr 1O..""m ti1Io 10 \Ile Propc:ny. lIlia SecurlIy h..u1IIIltIlI dIaII he I purcIlaIc IIIOII!Y lIIOrIpae.
77, _..... _ J.~ . lI(orr1>Mr...... _ lilt _.... "',~ _. ~ iI
~.. die Naco or ill 1IIl1Ction of ~ ~ .all \le dIo _ JiI~ fzoIII1im& 10 time UIIIIa
tile Naco.
aosonsan
........'1000..
....14..'.
InItl-= f!!i.~
A,
Fonn 303lI '101
BKI880PG4147
01/19/2006 20: 43 TEL 71759971u4
J CONRAD
141080
BY SIGNING IlELOW, Borrower IlCCeJ* IIIIlI qrees 10 tbo re.... and (Xl._1S 00IIt1ined in liis
Se"..'!!)' lm_ and in any Rider eUMod by llorrov;er and I'lWrded willi it.
Wi...,,",,
~ I-A.v
1_ . aove
(Stilt)
.Dorm_,:t'
PIt. fA
PAm. . IlOlJSB ~'"
It /.~
(S<lI)
i -7- 0'( .110,,,,,,,,,,
(Seal)
-_r
(Sell)
-8ofttl/ll:r
(Seal)
-"""",,",
(Seo"
-&.,u. "
(Seal)
-Ilonoooer
(Sell!
-BomN.:r
0050315878
_-8(PAJt>Qoe)
".15",1.
1'_ so,g" 'ft'l
IlK 1880PG4148
^
01/19/2006 20:43 TEL 1175991794
J CONRAD
c...ltk_~P"""'" 'U.u ~"...
I, {().a'IiI.I"~~J..- ~u.__u."'"
!be comet adilreIsof~~ is
4000 IIOItIIIOIIlCU1. %KVD1G. TX. 75063
Wi_ rrry baD4 IIlIS L +t... day 01'
> de> bctcby co~ tI> J:
~h:-.\M.-~ I :J-oOCf.
cJ~-{~~ .
}.pAlorM~'
COMMONWEAL'l'B. OF PENNSYLVANIA, C1lIIIlULAIlI) CoIaol7'"
Out!li$.1be '1-f't^... day of ~~~, -U:lC>"{ . before me, t"
ua.:I<<sigDo<J otfo:<:r, p;-..ny appemd
JAlIlll'l' II ROO's!{ PAtlL I ROOSll
10l
kooWD II> !DO (If
..Iidactorily pl>1'c:n) ~$) WlIost .....{.) if1iiil).b$ttibed III !be wilbitI iDslIUUl<Ut lU <I
,cIol<>wllcl8<<llbal hcI dlc 'IDIC fur lbe ~ CODlIioe<f .
IN WTmBSS WHBREOF, I berClIIlIO setrrry bllIKI1IIll1 oflitbI seal.
My COlllIDlzioo &piru:
I.~i!.~-I
\a~~~
Tillo.cOlllc:or
oosous.,.
-.-.-.
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ht-11G1,a
r-.n 30M ". .'1
8K 18 80PG41fJ9
;
rat~8,!.,___.
01/19/2006 20:43 TEL 7175997794
.J CONRAD
Ii!J082
- .--------.-----
, .
0" .
EXHIBIT "A!'
LEGAL DESCRlYI'ION
ALL thUse certalu tracts of Iud situate iu the Borougb of Carllale, CUl\lbetland COII~lty,
l'eJlllsylvaDIa, more particularly bonded aDd dacrlbed as follu,", to wit;
TRAct 1: BEGINNING at a point iu the soathern side ofEut NOlcth Sinet, whim pol tt Is
northwest c:orDer of a lot of grOWld aOW or formerly of SlIIle 1\J. WlDdawmaktr md Ft MIk
Wallen; thencc southwardly tllrO"flb the ceDter of the partido. uall _ted beIwecD IlIle
1I0,,*e on the lot hereby con'l'e)'ed ad. the ~ 011 the lot 11_ ..r formerty of Sa1llt M.
Wbldowmaker aDd Frsnk Walten, a dlstaDcc of 61 feet to a pofalt blllae of Iuds 801' Dr
formerly of the JolIlI Spahr Eslate; t1tenee wemrardly alunl laach ur lIle latter, a dlstlllll:e
of 15 feel to I' poiulln tile liDe oflaDds DOli' or fot1lU!rly of Ect,NID E. HdIeIInm Ilnd
Evelyo M. HefDeflnger, lib wife; l.eIIce northw....ny lIIld tIlr". the cuter of II:be
partitloD ",all ereeted between Ibe h01lJle on the 101 herdly heing conveyed and. tile boo.., oa
Ibe lot now or formerlY of the said Idmll E. HelDeDnger lIIld EVIIya M. IIdIIdIIIger, ills '
wife, a clIaUlICe or 61 feet to a point IJl the sou.thUII Iidc of East North Sind; tbUICC
eadwllrdly a10ug said East Nortb Street; a distance of 15 febt 10 . point, the Plac<, of
BEGINNING.
HAVING tbereoD erected a ffame dwellblg bone and other ilJlpn>vcmcab kDoW8 v : 118d
numbered 246 :tvt Nortll Street.
TRACT 2; BEGINmNG at a point at COnlct of land now or formeIiy of DtBU L Ban I,~
aud Deborah A. Barrick; thell~e by sllid IaIId. Soutll16 degrees 35 lnlBDles Eaat, 15.08 I ~:et
10 a point; tloenee by Lot No. 4, South l:J degrees 16 mlDales 20 sectllm WelIt, 17.33 r.: to
a point; theBce by land QOW or roJ'Dleliy of Clara F. FahIIstod. Nortb 76 degrees :IS
llIIaates West, 15.00 feet to polJltj theace by Lot No.2, Nortl1 13 degtellS 15 lIIIDutes ';10
set:ODds East, 17.33 teet, to the place otBEGINNING.
BEING Lot No. 3 OD the SllbdlvtslllD PIIIl prepared by Tho\DllS A. Nctr. Reptel 11'"
SDrveyor> whicb PIau Is recorded In the 0fIke of the Ra:onler of Deeds of ClUllIIerllllld
COUIlty, PeDIlaylvallia ~ Plan Book 36, page 134. aud COIIlIIlDillfl25MSlIIIllllR feet.
BEING the s_ prmOscs wb\eb DieIIl " Darllam RmWs. a l'A Pmuenldp, by Dud
dated April 2, 2001 aDd recorded ill the Cnmberlnd COlIIIty fa Ileed Book 341 at p,~:e
1131, gr..ted ilDd conveyed to Rodger C. Diehl, Jr. ad BreDt B. DDcrll_
BEING the same preDliset which bee_ vctUd ill the morteallOn; lIetein by Deed en liD
Rodger C. Diehl. Jr. and Sharon A. DIehl md Brmt B. Darbm uti MIlly Amle Da....,'..
dated September 7, 1004 aad reeonIed CO._ponmCODIJy lIet1l'1Vi1lh In the 0ftIee of He
Reeonler of Deed$1D aDd for Cumberlmd Coutyo '
1 (:l~rti f.r' l!lis to be recorded
\1' CU\l;b~rt;md County PA
.
"-~ /J J. -..." }~iI "
....:.-. .~,~ ~~ ,
~l~ Re,~order of Deeds
BU:880pt!d 50
,---..
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- ~-----.-
01/19/2006 20:44 TEL 7175991,.4
J CONRAD
/g]083
\~~
~1-'55\~
~,C:"l.' -'T f. I\1.:.r:H.CR
.':: ...y,.L;E~ Or ~E~~;:,
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zou~ JUl 2.9 A{l\ 10 19
PJIrU-C:OOSOlIS878.1lfV#:
TaxlD:
Thi, oocumtnl pr~ by; ohha
Wben Recorded R.wn To:
Fint Horizon Home LOiUl" Mtn C,ic:kel DanJels, cc 6706,1555 W. Walnut Hill /-ant:, St.. ZOO, Jrving, TexaS ~ :':038
..-
ASSIGNMENT OF DEED OF TRUSTIMORTGAGE
For nlAe receive" on tb_ daft Jdly U. 2005. the undersigntd hereby gnmts, ass:;g.ns. and tJ iIl:;fm to:
N...asta' Mortl.go, Ine. (GnllIt..)
l!lOO W. 74th 'l'la... Suit. lOCI
W.....oOO KS 66Z65
atl benefidal tnten;!E unde:r that certaio deed of trust/mortgage recorded in tbc OHic:ial Records in the Rec :.rder'~
Office ofCmnberlBnd ColDlty, State ofPenn>)'lvonia, ond furthc< described as follows:
Ilonower<'): JANET E Rousll '" PAUL A ROUSH
Ben.ficiary: FIRST HORIZON llOME LOAN CORPORATION
Trustee: NJA
Recorded in: Inst. Book 1880
~ding Dat.: Pale of Mortg.ge: 9ntJJJ04
Legal Deocriplion: See A....hed Legal Descriptio.
:Ie 9-/~-- 0,/
page L./13 'I
Orig. Mtg. Aml: 58320
Together with the note or notes therein describtd or referred to. the money due wd to becomD due therf!:ln with
interest, and aU rights ac<:rued or to lWCIVe under said deed oflnlsthnOl'lgag..
F;rst Hbrlzob "om. Loan Corporation (Gra>>lor)
dt ~ :\\\.\UIII l.tIJ/J
& . \\.\., tAt l "I,
BY: _ . .u~ #~~~.......~~~~~
AliclallIiltOll'Y".U stt.... OIlPO~ ....~~
~ ",,,,:<:0 ,.~."""
;......: ;o~
- . ---.- "i!-
Witne fd ' ~~;. j",~
"'\10"'. .5-
Chanda R Hmi. '? ". SeAL ... -: ~
~ .....--. ..... ~
~ .....n.... ""
'(/'F/,/,,"-ANS1l.r, \,......\,...,
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01/19/2006 20:44 TEL 71759977".
J CONRAD
141084
COlU'ORATE ACKNOWLEDGEMENT
Sisti; 0' 1'EXAS
Co.oly of DALLAS l
On this July 12, 2005. before me the undersigned, a Notary Public in and for said ~;tl.te, personally appean:d J\licu.
Britton and Keith EmunJDs wbo t;:ll;ecuWd the 'Within it1$trument as Vice Pres. ar-d Ltd. Vice Pres. and "ho are
per&Ollllly knowo 10 m. (or proV<d \0 me on the blcis of ..tisfactory evidence) \0 he the persons who execu ,.I the
within instrument on behalf afthe corporation therein First Horizon Home loan CClrporarion, and ac:knowle, 1!:ed to
me that such cOIporation executed the within instrument pursuant to its by-laws or a molUtilJn of its Ix lint of
directors.
,I.t!' ~'< ~,~jfl/~,~
NotBly Public
u_ u~~~r
CIJ.UIlfA p.1IDI'SIlII ,
~ HOTNIY PU8l.IG i
STATE OFlClCAS
IIrI ..,-'07"'- .
,,-
Lqal Description
ALL lBATTRACTOR PARCEL OF LAND AS SIl0WN ON SCHEDULE "A" A1TAcm:DHERETO WHICH IS
INCOI\PORATED HEREIN AND MADE A PART HEREOF.
aOQl 7'19 PA&E2500
01/1912006 20: 44 TEL 717599770.
J CONRAD
,
.
I'. .
EXHIBIT"<\."
LEGAL DESCRJPIlON
ALL IbO$ll ccrtalll Iraw of Iud situate In the BorDllgb of Carlisle, CnmberlaDd CODD~',
P.ollsylvsnia, more partltulorty bouad.d alld described as follows, t~ wit,
TRACT 1: BEGINNING at a point i. tII. souUter. sid. or Eat Nortt Street, wlllcb poia. ,;,
nortbwest torner of a lot of groltad DOW or formerly of Sallie M. Wbdowmater and ""..1,;
Walters; theDe. southwardly Ibrougb the tenler of the partltiOll "",,Il ereetOd betw... II ,"
110.'. on th. tOl hereby cOIIVcyed aDd tbe boase On the Jot BOW OIr fonJRrl,. of Sallle ~ l.
WindoWmak.r and Fralllt Wlllten. a dislallct of 61 feet 10 . point in line or laDds now "I'
rorlMrly of Ibe Jobn Spabr ERate; tbnee 'Wt$tWal'd1y alOB,lallds Of the IlItter, . dlsraa-"
of IS fe.t to 8 point in the line of .....ds now or formerly of Eltol1n E. JloIIkflap .1 d
Evelyn 114. Hemefmllet, his wlft! tb..... nol1hwardly and tbrngh the ceattr of lJ ii'
porntlon wall .reeled between the bo.... on the 101 hen:by belBC toll VlI)'td aDd the ......se. ,'.
lbe 10. now or forlD*rly of tho ..id Edwi. E. HefI1efmger ed Eveliyll M. HefIleJ1qer, I i,I
wlf., . db,..... Qf 61 r.et 10 a pOUlt in ae soulbent side of 1:.,,1 North Smel; theD:'
eastwardly 81o"e said EllIIt North Slr..t; 8 dlsblllte of 15 f.d 10 . p6int. the J']aet; (,f
BEGINNING.
HA VlNG tbe""oo ereded a frame d..e1IlDI: bollse and orher bllprovUllenlS leD..... as B:l,j
namber_II246 East Nortb Stre...
TRACT Z: BECINNING at a point at tomer of IADd 1I0W /H' Corme;..ly of D.llllis L. Barl1 ,'k
IDd Deborah A. Barrltk; tbenec by said Ialld, Soulll 76 d_a:r- 35 lIIiuutu Ea.t. 15..00 Ii ,."
10 I point; lIleoce by LoI No.4, 8(lulll 13 degrees 16 miIIDta 10 sttond, Welt, 17.33 !tel 110
.. pOIllt; tllene. by la:ad 1I0W or fnrmer!r of Clara F. F8It..stodt, N"rtb 76 degrees ~5
mlnllm Wesl, IS_DO feet to poInt; thenl:C by Lot No. 2, Nortb lZl degrees 15 IDlnat.. ;:0
.""onds East, 17.33 reet, 10 Ihe pllte oC BEGINNfNG.
BEING Lot No. 3 on Ibe Snbdlvlsion Plan prepared by Tboll... A. N.If, IUclstel"d
Snrvll)'or, whieh I'lu iJ nc:nrded I. the om.. or the Recorder or Deeds of Cnlllberll "d
CO.DIy, PClllIsylYllDlaln Plall Book 36, P81l' 134. *JId COIItalniDg 2!9.95 sq_..... feet.
BEING lb. sa"", premlles WIlieh blehl ". DDrIIIlm R...tals, a 1'.'\ P..menhip, by D..:d
dated Apnl 2, 2DOl lad re.orded iu the CamberlaDd COtIIIly ID Deed Book 241 at P: !I:e
1131, granted and eonveyed to ~r C. Diebl, Jr. atld BreDt B. D.r118i11.
. BEING th. ....m. premises WIlith became ~ iB the llIOrt&llglI n hereia by Deed fr ),Di
RodtU' C. Dlebl, Jr. alllS S.aroD A. Dldtl...d Brut B. DurbllD aad Mary A....e Darbl 10,
, dJlteli ~~~~IN IDd reeonled COlllelllporalloously hem'llIa I.. tbe 0ft'Itc of tr,e
1 CertiW ~r Dmw~ for Cumberlaad CODDly.
rnbcr1al1'1 OU .. _
lnCU ~ '}'j:tw- l""';~J!!~lsloberccordcd
......" ~ i," '",'lhl'/and County PA
(nri:< fDeeds ~. "- -4~~ ~..
..... .~ n ecorder 0 .'1. ".
,,,. 1'- ~ . ,.,
BIt I 8 a 0 Pi; L~ I 50 :......,;. Recorder ofDeed 1
~
BOUI\ 719 PAGE2501
f4j085
Exhibit ff.B H
0111912006 20:44 TEL 717599770.
J CONRAD
141085
,
. .
EXHIBITU~"
LEGAL DESCRIPTION
ALL tbl)$t; certain tracts of Iud sit..te iD the Borougb of Carlisle,. CamberJaDd ConD~',
PODnsyIY&Dia, more partleulorly bound.d aud described lIS follows, t. wit;
TRACT 1: BEGlNNlNG at a point ia lIIe soatllem fide of East NorU Street, wble\l point ,',
Dorthwest co....r of a lot of gtQund DOW Dr formerly of Sallie M. Wbdowmaker and Fr.. I,:
Walters; lIIence southwardly through tile center of the partltiOll "".n ereetOII betwHII II 01'
hon.o OD lb. tot hereby conveyed aDd tbe bDnse OD lIIe lot aow Olr rormerly of s.me ft I.
WIDdowmaker aDd FrlUlk Walters. a distaDct or 61 feet to a point iD tille of Iandi nOW "I'
formerly of the JobD Spabr Estate; tbeace we$tWardl)' alOllllatlds of th. laltlOr, . dlsllUl. '"
of IS rut to a point in the lIDe of Iuds DOW or formerly of Ed'lo1D E. JI_OtII" ., d
EvelYD M. H.menDger, h15 wlfO\ tlleDu Donhwardly and thrugh the cater of tJ III
partltloll wall.....,led betweeD tbe house Dn the lot hereby bailie eon .eyed and th. bo..~. 0"1
tbe lot DOW or fonnerly Df the U1id EdwiD E. Uemermeer and Evellyn M. HeIlleJlDCtr. I i;a
wife, a dlstaace of 61 ftet to a poillt in tile _tIIent side of Ea::t Nortb Stre~; thoa ".
eastwardly atong uid EDt Norlb Street; a d15lance of IS feet to .. poiDt, the J'lact I,f
BEGINNING.
HAVING tho",oo ereded a frame dwellIllg boaSt aDd other Imprt>vemellu mown as a: "f
numberell246 Eo" Nortll Stre,"-
l'RACT Z: BEGINNING at a polot at comer of II ad DDW or forme:rJy of Do""is L.Blrr1,'k
IDd Deborah A. Barrick; theute by said blld, South 76 de!:,,_ 35 mi"nteJ 'East, 15.00 r. "tf
to a poiDt; theoee by Lol No.4, SlIuth 13 degnes 16 minllles 2G s<<Gllds Wtst, 17.33 feel 110
.. poInt; thooo. by Iud 1l0W or rllrmerlr of Clara F. FlbllstOOl, Nortb 76 degrees ;15
mlDnles Wt5t, 15.00 feet to polol; then" by Lot Nil. Z, North };I degrees 15 mlnll.. ;:0
.<<oudl: Ea.t, 17.33 feet, to tbe piKe ofBEGINNlNG.
BEING Lot No. 3 00 tbe Snbdlvl5loa Plu prepared by Tho"... A. Nelf, Reelstmd
Sorvoyor, whiob PI... is recorded ID the omee lIf the Recorder of Deeds of Cumberla rid
CODDty, Penosyl...DI.1n Plall Book 36, paee134, ..,d tOIllalning J!MS oq....... rod.
BEING the salIM! premises 'Nbieb Diehl & Duham R...tals, . P.4- Partnenblp, by 0,,::<1
daled Apnl Z, 2001 and recorded \u tbe CamberJalld CotIDly In Deed Book 241 at P: ~I:e
1131. uaDted and eOllveyed to Rodger C. Diehl, Jr. IlId Brent B. DlII'lIam.
. BEING the ...me premises 'Nbicb became vested la the lDOr1&agcn lIercia by Deed fnlll
Kndgtr C. Diehl, Jr. In4 Slrlroo }.. Diehl and Brm B. DlIrIIlJD aad Mary Anile Darllllln,
, =~II5~~<1IIlM a"d reeorlled colllllmporalleoDsly bem,ltll In the Ofttcc of tf..
1 Cert11-'f ~J>>JffWIf'IlI'd for Cnmberland Conllly.
roberland 0 ..
lnCU """ 1,.:/:...- l'-'.',i"f,hlSloberccordcd
_1J_~7 /;' 'J
........ A"'" i ,. t', ...llfl''':uno County PA
;~S. fDeeds ' - A~r" ~..
:'''::~ Recor~~rlo880PbL~ 150 ~ ~teCOrderOfDeedl
...... j()
BOU~ 7:1.9 PACE2!' 1
.._..__,,__, .." _, ..~, ....._,_,~......:o._,'",...__-.....-
Exhibit "C"
"
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This Is an omclal nntice that the mortl!al!e on vour home is in defanlt. and the lender
intends to foreclose. Specifie iuformation about the nature of tbe default is provided
in tbe attacbed pal!es.
Tbe HOMEOWNER.'S MORTGAGE ASSISTANCE PRoGRAM EMAP ma
able to belp to save vour bome. This Notice explains bow the proe:ram works.
To see if HEMAP can belp. vou must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITIDN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice witb )'00 wben vou meet witb tbe Couuselinl! Ae:encv.
The nam address aud hone number of Consumer Credit Counselin A encie
serviu our Coun . are listed at tbe end of tbis Notice. If 'ou have anv uestion vo
ma U the Peuns Ivania Housin Finance A en toU free at 1-800-342-2397
(Persons with imnaired beanne: can call 717-780-1869) I
Tbis Notice contains important legal information. If' you bave any qnestion4
representatives at tbe Consumer Credit Counseling Agency nuy be able to belli
explain it. You may also want to contact an attorney in your area. Tbe local bar
association may be able to belp yon find a lawyer. I
LA NOTIFlCAClON EN ADJUNTO ES DE SUMA IMPORTANCIA. PUEJ
AFECTA SU OERECHO A CONTlNUAR VIVIENDO EN SU CASA. SI Nd
COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION OBTENGA UNA
TRADUCClON INMEDITAMENTE LLAMANDO ESTA AGENC
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMER
MENCIONADO ARRIBA. PUEDES SER ELGIBLE PARA UN PRESTAMO PO
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAG
ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE L
PERIDA DEL DERECHO A REDlMIR SU HlPOTECA.
,I
II
I
! !
APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for
reasons set forth later in this Notice (see following pages for specific information about the n
of your default.) If you have tried and are unable to resolve this problem with the lender, you ha
therigbt to apply for financial assistance from the Homeo"Wner's Emergency Assistance Mortga
Assistance Program. To do so, you must fill out, sign and file a completed Homeown
Emergency Assistance Program Application with onc of the designated consumer credit counselin
agencies listed at the end of this Notice. Only consumer credit counseling agencies ha
applications for the program and they will assist you in submitting 3 complete application to
PeJUlsy]vania Housing Finance Agency. Your application MUST be filed or postmarked within
thirty (30) days of your face-to-face meeting.
,
,
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
JANET ROUSH
246 E :'>I ST
CARLISLE, PA 17013
0001421494
Novastar Mortgage, IDe
NOV ASTAR MORTGAGE, INC.
HOMEOWNER'S NAME:
PROPERTY ADDRESS:
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FlNANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLV WITH THE PROVISIONS OF THE HOMEOWNER'
EMERGENC'fMORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY B
ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTAl'<CE:
.:. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCE
BEYOND YOUR CONTROL,
+ IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PA
YOUR MORTGAGE PAYMENTS, AND
+ IF VOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLlSHE
BY THE PENNSYLVANIA HOUSING FlNANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to at,
stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During th
time you must arrange and attend a "face-to-face' meeting with one of the consumer cre t
counseling agencies listed at the end of this Notice. TIllS MEETING MUST OCCUR WITHI
THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE
ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPL SHOW T
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES-1fyou meet "ith one of the consum
credit counseling agencies listed at the end of this nolice, the lender may NOT take action again
you for thirty (30) days .fterthe date of this meeting. Th names addresses and tele hone numbe
of desi ted consumer credit counselin a encies for the coun in whicb the ro is loca
are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meetin .
Advise your lender immed.iatelv of your intentions.
,
"
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TIllS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME I.I',[MEDIATELY Al'D YOUR
APPLICATION FOR MORTGAGE ASSISTA;,/CE WILL BE DENIED.
AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will , e
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania HollS'
Finance Agency has six.ty (60) days to make a decision after it receives your application. During that time,
foreclosure proceedings ",ill be pursued against you if you have met the time requirements set forth abov .
You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on yo
application.
NOTE: IF YOU ARE CUllRENTL Y PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWiNG PART OF TIllS 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 (Brin!! it UP to date).
NATURE OF THE DEFAULT-The MORTGAGE debt beld by the above lender on your pro
located at:
246ENST
CARLISLE, PA 17013
IS SERIOUSLY IN DEFAULTbc:amse of: NONPAYMENT
YOU HAVE NOT MADE MONTIILY MORTGAGE PAYMENTS fur the following months and e
following amounts are now past due:
10/1/2005 through 12/14/05
Other charges (explainlitemiz<:): 1433.4
Corporate advances: 0 .
TOTAL AMOUNT PAST DUE: 1433.48
HOW TO CURE THE DEF AlJ'L T-Y ou may cun: the default within TIllRTY (30) DAYS of the date f
Ibis notice BY PAYING TIlE TOTAL A.~OUNT PAST DUE TO THE LENDER, V,THICH IS $1433.
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOMEDL'E DURING
nnRTY (30) DAY PERIOD. Pa ents: must be made either b cashier's check. certified check or mOD
order made uavable and sent to:
AIlD: CublertH
NovaStar Morte:at!'e
8140 Ward Parkway. Suite 300
K.ansu City. MO 64114
IF YOU DO NOT CURE THE DEFAULT-if you do not cure the def3ultwithin TIlJRTY(30) DA S
of the date ofthiJ Notice, the lender intends to exercise its ri2hts to accelerate the monl!:a2e debt. This me
that the entire outstanding balance of this debt will be considered due immediately and you rm. y lose t e
chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not mafe
within THIRTY (30) DAYS. the lender also intends to instnl.Ct its attorneys to start legal action to fered e
upon vourmortQ"a2ed DtonertV.
Name of Lender: NovaSw Mortgage, Inc.
Address: 8140 Ward Parkway, Suite 200
Kansas City, MO 64114
(888) 289-1208
(816) 237-7479
Collections
IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheri
to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquenc
before the lender begins legal proceedings. against you, you will still be required to pay the reasonab
attorney's fees that were actually incurred. up 10 SSO.OO. However, if legal proceedings are started agai 1
you, you will have to pay all reasonable attorney's fees actually incWTed by the lender even if they excee
$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include 0
reasonable costs. If ou cure the default within the THIRTY 30 DAY eriod ou "ft"m Dot
reQuired to vav attorney's fees.
OTIlER LENDER REMEDIES-The Ieoder may also sue,.... penooaUy far the """"id
balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULt P1UOR TO SHtItlF'F's SALE-If you have DO' cured
default within the THIRTY (30) DAY period and foreclosure proceedings have begun, u sti l have the ri
to cure the default and revent the sale at to one ur before the Sheriffs Sale. You IDa do
the total amount then t due t 0 ther char then due reasonable attorne- 's fees
co$tS connected with the foreclosure sale and th r co s connected with the Sheriffs Sale as s cified
writine bv the lender and bv Detformim! anY other reCluirement'> under the mortQSl?c. Curing your default
the manDer set forth in tbis notice will restore YOUT mortgage to the same position as if you bad nev
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that StJCh
Sheriff's Sale of the mortgaged property could be held would he appronmately 4 month. from the date f
this Notic:e. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,
amount needed to cure the default will increase the longer you wait. You may find out at any time exac
what the required payment or action will be by contacting the lender.
BOW TO CONTACT THE LENDER:
Phone Number:
Fax Number:
Contact Person:
EFFECT OF SBERJl1F'S SALEo,Volllhould rea1ize t1W. SherifI's Sale wiU end your o.."...hip ofth~
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Salel
a lawsuit to remove you and your fumi5hings and other belongings could be started by the lender at any '1
ASSUMPTION OF MORTGAGE-You may not sell or transfer your home 10 a buyer or transfer"" w~
will assume the mortgage debt, provided tbat all the outstanding payments, charges and attomey's fees a
costs aTe paid prior to or at the sale and that the other requiremeDts of the mortgage are satisfied.
--'~''W7-.-..,...~",.._,-.~:z
,
YOU MAY ALSO lIA VE THE RIGHT:
.:. TO SELL THE PROPERTY TO OBT AfN MONEY TO PAY OFF THE MORTGAGE DEBTe
OR TO BORROW MONEY FROM ANOTHER LENDING INSTnUTION TO PAY OFF
THIS DEBT.
.;. TO HAVE THIS DEFAULT CVD:D BY ANY THrRD PARTY ACTING ON YOUR
BEHALF.
~ TO HAVE TIlE MORTGAGE RESTORED TO TIlE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO
NOT HAVE TIilS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN
ANY CALENDAR YEAR.)
.. TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECWSURE
PROCEEDING OR ANY OTHER LA WSurT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
+ TOe ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
AcnON BY THE LENDER.
.:. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUl'TCY LAW.
CONSUMER. CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
(please see .!acbed document)
PREVIOUS DISCHARGE IN BANKRUPTCY: In the P:VQ1t lhat the underlying deb! has been disclmged as a ~SlJlt of a pri
liirmbupley proc~ding. NCMStar Mortgage hereby ad;nowledges drat il 1$1Wl uses:sing per$OOd 'i~biJjty for the dehllO lbe OOrrvWe'r{
.nd that its. recourse: in I;OIIccti()n mattm shall be limited to the coUrlic:nU. dt:scribed in the sealri!)' instrument, If you have previousl
~ a discharge in bankruptcy, ihis correspondence is nOI and s!\uukl not be construed to be an anempt to collect a debt, hut onl
enforcemenl Gf a lien ag::unst property.
Thi$ letLq is .....,.;tlcn itS;lll attempt to eollo:( I: debt and any information ohWae:I ",m be wed EM tN! pUipO.Se.
Sincerely,
NovaStar Mortgage, Jnc
cccs of Western PA
Mary Loftus
97(}.D South George Sl
York. PA 17403
8.88.511.2227
'-
Comr:n:ehensive Housing Counseling Agencies
Cumberland County
Report last updated: 11/112005 4:09:57
Harrisburg Fait Hou9ing Council
Marf.,pslC$OO
2100 North 8lh Street
HamsboHp PA mlO
717.238.9540
Maranatha Financial CounselIng Servfcea
Natalre Newcomer
43 Philadelphia AWtrIUo9
Waynesboro PA 172GB
7172e.1.170a.
Rural Opportunities, Inc.
Mcf1sel Johnson
1500 NoM 2nd Slreal Suite 11
Harrisburg PA ~71D2
717 .234.6616
, "
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ACT 91 NOTICE
TAKE ACTION TO SA VE
YOUR HOME FROM
FORECLOSURE
This is an officialllodee that the IIlOmaee on your home Is IB defalllt. alld the lender.
iutends to foreclose. Specific jnforlDlltion about the nature of the defanlt is provided
in the attached paee..
The HOMEOWNER'S MORTGAGE ASSISTANCE FROG HEMAl' roa b
able to help to save vour home. Tbis Notice explains how the proeram works.
To see if HEMAP can help, von must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with vou when ,'ou meet with the Connseline Aeencv.
,~
This Notice cnntains important legal information. If you have any question
representative. at the Consumer Credit Counseling Agency may be able to hel
explain it. You may also. want to contact an attorney in your area. The local ba
a.sociation may be able to help yon find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUE,
AFECTA SU DERECHO A CONTINUAR YIVIENDO EN SU CAS A. SI N
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UN
TRADUCClON INMEDlTAMENTE LLAMANDO ESTA AGENC
(pENNSYL Y ANIA HOUSL'lG FINANCE AGENCY) SIN CARGOS AL NUMER
MENCIONADO ARRIBA. PUEDES SER ELGlBLE PARA UN PRESTAMO PO
EL PROGRAMA LLAMA DO "HOMEOWNER'S EMERGENCY MORTGAG
ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE L
PERlDA DEL DERECHO A REDlMIR SU H1POTECA.
""I
1
1
I
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HOMEOWNER'S NAME:
PROPERTY ADDRESS:
PAUL ROUSH
246 E N ST
CARLISLE, PA 17013
0001421494
Novastar Mortgage, Ine
NOV AST AR MORTGAGE, INC.
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
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'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT''), YOU MAY B
ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTAJ"CE:
0) IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCE
BEYOND YOUR CONTROL,
0) IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PA
YOUR MORTGAGE PAYMENTS, AND
-:. IF YOU MEET OTHER ELIGffiILITY REQl1IRE'MENTS EsTABUSHE
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a
stay of foreclosure OD your mortgage for thirty (30) days from the date of this Notice. During tba
time :J'Ou must arrange and attend a tlface-to-face" meeting with one of the consumer credi
colIDseliDg agencies listed at the end of Ihis Notice. TIDS MEETING MUST OCCUR WI
THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAG
ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF TIll
NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW T
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIRS-Ifyou meet with one ofthecoDsum
credit cOlIDseling agencies tisted at the !011d of this Dotice, the tender may NOT take action agains
you for thirty (30) days after the date of this meeting. The names addresses and tele hone number
of desie:nated consumer credit counse1in2 alZencics for the county in which the mODertv is locateq
are set forth at the end of this Notice_ It is ODty necessary to schedule ODe face-ta-face meeting-
Advise your lender immediatel v of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE-your mortgage is iD default for
reasons set forth later in this Notice (see fcHowing pages for specific information about the na
ofyOUT default.) !fyou have tried and are unable to re,olve this problem with the lender, you hay
the right to apply for financial assistance from the Homeowner's Emergency Assistance Mortgag
Assistance Program. To do so. you must fill out, sign and file a completed Homeowner1
Emergency Assistance Program Application with one of the designated consumer credit counselin
agencies listed at the end of this Notice. Only conswner credit counseling agencies ha
applications for the program and they will assist you in submitting a complete application to
Pennsylvania Housing Finance Agency_ Your applieation MUST be filed or postmarked within
thirty (30) days OfyOUT face-to-face meetin~_
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YOU MUST FrLE YOUR APPLICATION PROMPTLV.IFYOU FAIL TO DO SO OR IF YOU
DO I(oT FOLLOW THE OTHERflME PERIODS SET FORTH IN TIllS LETTER,
FORECLOSURE MAY PROCEEDAGA,INST YOUR HOME L~MEDlATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACflON.Available funds for emergency mongage assistance ilfe very limited. They will
~isbursed by the Agency under the eligibility critc:ria established by the Act. The Pennsylvania Hous'
PiDl!llccAgency has sixty {60) days to make a decision after it receives your application. During that time,
foreclosure proceedings win be pursued against you if you have met the time requirements set forth aboy .
You wiU be notified directly by the Pennsylvania Housing Finance Agency of its decision on yo
application.
NOTE: IF YOU ARE CURRENn Y PROTECTED BY 'mE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF TIllS NOTICE IS FOR INFORMA nON
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 AssistaIK:c.)
-1:,"
!lOW TO CURE YOUR MORTGAGE DEFAULT (BriO!! it un to date).
NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender nn your pr
located at:
246ENST
CARLISLE, PA 17013
IS SERIOUSLY IN DEFAULT because of. NONPAYME.'iT
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the folloWing months and
following amounts are now past due:
101112005 through 12/14/05
Other charges (explain/itemize): t433.A1
Corporate advances: 0
TOTAL AMOUNT PAST DUE: 1433.48
HOW TO CURE THE DEFAULT-You may cure tbe default WidriJ111I1ltTY (30) DAYS oftbedatc f
this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1433.
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WIDCH BECOME DUE DURING
TIIIRTY (30) DAY PERIOD. Pa ents must be mad either by cashier's chec certified check or roo
order made navable and sent to:
AdD: e_
NOl-.Star Mor12a~e
8140 Ward Parkway. Suite 300
Ka.... City, MO 64114
IF YOU DO NOT CURE THE DEFAULT-If you do not _uno the default Within 'I'HIR'I'Y (30)DA
of the date of this Notice, the lender intends to exercise its ricllts to accelerate the mort5!a2"e debt. This me
that the entire out5tanding balance of this debt will be considered due inunediately and you may lose
chance to pay the mongage in monthly installments. Iffun payment of the total amoWlt past due is not rna
Within TIlIRTY (30) DAYS, the lender aJso inti:nds to instruct its anerneys to start legal aetion to foeeel
uoon vour rnoru!:aeed oronertv.
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IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be ,old by the She'
tfYpay off the mortgage debt If the lender refers your case to its attorneys, but you cure the ddjnquen
before the lender begins legal proceediDgs against you, you will still be required to pay the reasonabJ
attorney's fees that were actually incurred. up to $50.00. However, if legal proceedings are started agai
you, you will bave to pay aU reasonable -attorney's fees actually incurred by the lender even if they exee
5'50.00. Any attorney's fees will be added to the amount you Owe the lender, which may also include at
reasonable costs, If nu cure tbe default witbin the THIRTY 30 DAY eriod ou will not b
reauired to tJav attornev's fees.
OTHER LENDER REMEDIES-The Iaodor may a1,0 'DC you pcnonaIIy for the unpaid princip
balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SIIEJQJ"F'S SALE-If yoo have not cured
default within the lliIRTY (30) DAY period and foreclosme proceedings have begun. VQU still have the ri
tocure defaultand reventthesaltan timeu to one hour before the Sb "Irs Sale. You IDa do
paving the total amount then Dast due. nlus any late or other charl!eS [hen due reasonable anornev's fees an
costs connected with the forec1osun:: sale and any other costs connected with the Sheriff's Sale as ccified i
writinl! bv the lender and bv nerfonninl! any olher reQuirements under the morteaee. CUl'"ing youl'" default i
the manner set forth in this notice will restore YO'UT mortgage to tbe 5UDe position as if you had neve
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earlieJt date that such
Sheriffs Sa.le of the mortgaged property could be beld would be approximately 4 months rnm the date 0
this Notice. A notice of the actual date of the Sheriffs Sale 'Will be sent to you before thl: sale. Of course, th
amount needed to cure the default will increase the longer you ,,-ait You may find out at any time cxactlt
what therequir.ed payment or action will be by conlacting the lender. j
HOW TO CONTACT THE LENDER:
Name of Lender: NovaStar Mortgage, Inc.
Address: 81,40 Ward Parkway, Suite 200
Kansas City. MO 64] 14
(888) 289-1208
(816) 237-7479
Collections
Pbone Number:
Fax Number:
Coumct Persou:
,EFFECT OF SHERIFF'S SALE-Y""lhouldrtalize that. Sheriffs Sale will ond your awnenhip of the
mortgaged property and your right to occupy it. If you continue to live in the property aft-er the Shc:riffs 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 ltansfcr your borne to a buyer or lIansferee
will assume the mortgage debt, provided that all the: outstanding payments, charges and attorney's fees an
costs are paid prior to or at the sale and that the other requirements of the mortgage are sa1isfied.
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YOU MAY ALSO HAVE THE RIGIIT:
.;-, TO SELL THE PROPERTY TO OBTAIN MONEY 1'0 PAY OFF THE MORTGAGE DEB
OR TO BORROW MONEY FROM ~"iOTHER LENDING il'iSTITFflON TO PAY OFF
TillS DEBT.
<- TO HAVE lIDS DEFAULT CURED BY ANY THIRD PARTY ACI1NG ON YOUR
BEHALF.
~ TO HAVE mE MORTGAGE RESTORED TO TIlE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO
NOT HAVE lIDS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN
ANY CALENDAR YEAR.)
<0- TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER TIlE MORTGAGE
DOCUMENTS.
.:- TO ASSERT ANY ornER DEFENSE YOU BEUEVE YOU MAY HAVE TO SUCH
ACTION BY mE LENDER.
-c. TO SEEK PROTECTION UNDER THE FEDERAL BANKIUIPTC\" LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVIl'IG YOUR COUNTY
(please see altacbed document)
PREVlOUS DISCHARGE IN BANKRUPTCY: In the event that the underlying debt b.u been discharged as a result of a pri
ba."lkruprey proc:ceding, NovaStar Mortgage hereby acknowledges thai it is not assessing pcBooalliablJity for the debt to the bolTower(
and that its recourse in collection matt.erJ. 11nU be limited \0 the co1J:ueral desaibed in the 5t:Curity inst:nnnent. 1f)lOU have previous
rteeived a discharge in bankruptcy, this cones:pondmee is: i)Ot and should not be COl!strued to be all attempt to collect a debt, but an
enforcement of a lien against property.
This letter is Vflitttn as an anemp[ 10 collect a debt-and any information obtained wln be used for that purpose.
Sincerely,
NovaSlar Mortgage, me
, . .
'-
Comprehensive Housing Counseling Agencies
Cumberland County
Report last updated: 11/;/20054:09:57
cccs of We.tem P A
Marylofl.us
970..0 Soulh George Sl
York PA 17403
888.511.2227
Ha:rrisburg Fair Housing Council
MaI1oPsxson
2100 North 6th Street
Harrisburg PA 171'0
717 .238.954()
Maranathil Ftnanelal Counseling senrIees
Natalie Newcomer
43 Philadelphia Avenue
Waynesboro PA 17268
717..261.1708
Rural Opporwnilies, Inc.
Michael Johnson
1500 North 2nd Street Suite 11
Harrisburg PA 17102
717.2346616
.
Exhibit "D"
It . . *
NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the Act) 15
U.S.C. SECTION 1692 AS AMENDED
1. The law firm may be deemed a "debt collector" under the Fair Debt Collection Practices
Act. Any and all information obtained during the prosecution of this lawsuit may be used
for the purpose of collecting a debt.
2. The amount of the debt is stated in the attached letter, or Complaint
3. The Plaintiff named in the attached letter or complaint is the creditor to whom the debt is
owed, or is the seNicing agent for the creditor to whom the debt is owed. The
undersigned attorney represents the interests of the Plaintiff.
4. The debt described in the letter or complaint will be assumed to be valid by the creditor's
law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes
in writing the validity of the debt or some portion thereof.
5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt
of this notice that the debt or any portion thereof is disputed, the creditor's law firm will
obtain a verification of the debt and a copy of the verification will be mailed to the debtor
by the creditor's law firm.
6. If the creditor named as Plaintiff in the attached letter or complaint is not the original
creditor, and if the debtor makes a written request to the creditor's law firm within the
thirty (30) days from the receipt of this notice, the name and address of the original
creditor will be mailed to the debtor by the creditor's law firm.
7. FEDERAL LAW GIVES YOU THIRTY (30) DAYS AFTER YOU RECEIVE THIS NOTICE
TO DISPUTE THE VALIDITY OF THE DEBT OR ANY PART OF IT. THE LAW DOES
NOT REQUIRE THAT WE WAIT UNTIL THE END OF THE THIRTY-DAY PERIOD TO
CONTINUE WITH THE SUBJECT LEGAL ACTION. IF, HOWEVER, YOU REQUEST
PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL
CREDITOR WITHIN THE THIRTY-DAY PERIOD THAT BEGINS WITH YOUR
RECEIPT OF THIS LETTER, THE LAW REQUIRES THAT WE SUSPEND OUR
EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE
MORTGAGE AND NOTE, INCLUDING SEEKING A DEFAULT IN THE
FORECLOSURE SUIT FOR YOUR FAILURE TO RESPOND TO THE ATTACHED
COMPLAINT WITHIN THE TIME REQUIRED UNDER THE SUMMONS, UNTIL WE
MAIL THE REQUESTED INFORMATION TO YOU. IF YOU REQUEST VALIDATION
OF THE DEBT, AS STATED HEREIN, YOU ARE UNDER NO OBLIGATION TO
RESPOND TO THE SUMMONS AND COMPLAINT UNTIL WE RESPOND WITH THE
REQUESTED INFORMATION
8. Written requests should addressed to Law Offices of Mattleman, Weinroth & Miller, 401
Route 70 East, Suite 100, Cherry Hill, NJ 08034, Attn: Foreclosure Department.
9. This is attempt to collect a debt, and any information obtained will be used for that
purpose. In the event that you have received a discharge in Bankruptcy as to the
obligation in connection with this debt, please be advised that this notice is being sent in
order for the lender to enforce its lien and not in an attempt to collect a debt.
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SHERIFF'S RETURN - NOT SERVED
CASE NO: 2006-00591 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
NOVAS TAR MORTGAGE INC
VS
ROUSH JANET E ET AL
R. Thomas Kline
, Sheriff
, who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
ROUSH JANET E
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOT SERVED , as to
the within named DEFENDANT
, ROUSH JANET E
246 EAST NORTH STREET
CARLISLE, PA 17013
SERVICE STOPPED PER FAX FROM ATTORNEY'S OFFICE.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
4.40
.00
10.00
.00
32.40
So ~~?~---=-__
R. Thomas Kline
Sheriff of Cumberland County
MATTLEMAN WEINROTH MILLER
02/03/2006
Sworn and subscribed to before me
this 7'P- day OfJ~
020-0& A.D. I
Prothonotary
.
SHERIFF'S RETURN - NOT SERVED
CASE NO: 2006-00591 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
NOVAS TAR MORTGAGE INC
VS
ROUSH JANET E ET AL
R. Thomas Kline
Sheriff
, who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
ROUSH PAUL A
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOT SERVED , as to
the within named DEFENDANT
, ROUSH PAUL A
246 EAST NORTH STREET
CARLISLE, PA 17013
SERVICE STOPPED PER FAX FROM ATTORNEY'S OFFICE.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
so~~/
R. Thomas Kline
Sheriff of Cumberland County
MATTLEMAN WEINROTH MILLER
02/03/2006
Sworn and subscribed to before me
thi s 7 (>;'
Prothonotary
).-0 It
SHERIFF'S RETURN - NOT SERVED
CASE NO: 2006-00591 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
NOVAS TAR MORTGAGE INC
VS
ROUSH JANET E ET AL
R. Thomas Kline
, Sheriff
, who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
ROUSH JANET E
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOT SERVED , as to
the within named DEFENDANT
, ROUSH JANET E
149 A STREET #4
CARLISLE, PA 17013
SERVICE STOPPED PER FAX FROM ATTORNEY'S OFFICE.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
_ ~QO-
16.00
so~~~/
'R. Thomas Kline .
Sheriff of Cumberland County
MATTLEMAN WEINROTH MILLER
02/03/2006
Sworn and subscribed to before me
this
u.
1~
day
} ()-~ c.
A.D.
Prothonotary
,
SHERIFF'S RETURN - NOT SERVED
CASE NO: 2006-00591 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
NOVAS TAR MORTGAGE INC
VS
ROUSH JANET E ET AL
R. Thomas Kline
, Sheriff
, who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
ROUSH PAUL A
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOT SERVED , as to
the within named DEFENDANT
, ROUSH PAUL A
2 NORTH HANOVER STREET
CARLISLE, PA 17013
SERVICE STOPPED PER FAX FROM ATTORNEY'S OFFICE.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
T6-:DO
So answers' ? '_
-~~".'
R. Thomas Kline
Sheriff of Cumberland County
MATTLEMAN WEINROTH MILLER
02/03/2006
Sworn and subscribed to before me
this 7 <t-- day of j~
M AD.(}~
Prothonotary
MATTLEMAN, WEINROTH & MILLER
BY: ROBERT W. CUSICK, ESQUIRE
ATTORNEY I.D. NO.: 80193
401 Route 70 East, Suite 100
Cherry Hill, NJ 08034
(856) 429-5507
Attorneys for Plaintiff
NOVASTAR MORTGAGE, INC.
8140 WARD PARKWAY
KANSAS CITY, MO 64114
PLAINTIFF
Our File No.: 859.66577
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
DOCKET NO.: 01- - S'9/ Cu~t 1'tI21-r\
JANET E. ROUSH
PAUL A ROUSH
246 EAST NORTH STREET
CARLISLE, PA 17013NGTON
DEFENDANT
PRAECIPE TO SETTLE,
DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly Settle, Discontinue, and End the above captioned Mortgage Foreclosure Action
without prejudice.
MATTLEMAN, WEINROTH & MILLER
ROBERT W.
ATTORNEY I.
. ------
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