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Home My WebLink About06-1652 HSBC MORTGAGE SERVICES, as Assignee of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Nominee for ACCREDITED HOME LENDERS. INC. Plainti ff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA v. NO. D1 - 1/ ~)~ C L~~ 10-1 IP l<> l~~ 10<'-... I TAMMY L. BAGSHA W and STEVEN L. WERT CIVIL ACTION - LAW Defendants ACTION IN EQUITY NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. . THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 2 Liberty A venue Carlisle, PA 17013 (800) 990-9108 . . AVISO USTED HA SIDO DEMANDADO/A EN CORTE. Si usted de sea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente 0 par medio de un abogado una comparecencia esctita y radicando en la Corte por esctito sus defensas de, y objecciones a, las demandas presentadas aqu! en contra suya. Se Ie advierte de que si usted falla de tomar accion como se describe anterionnente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio soIicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para usted, USTED DEBE LLEV AR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOPADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO A PERSONAS QUE CUALIFICAN. Cwnberland County Bar Association 2 Liberty A venue Carlisle, P A 17013 (800) 990-9108 Dated: By Anthony J. Foschi, P.O. Box 88 Harrisburg, PAl 7108 (717) 763-1121 Attorneys for Plainti ff , . HSBC MORTGAGE SERVICES, as Assignee of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Nominee for ACCREDITED HOME LENDERS, INC. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA v. NO. OL,-!{,.:J;L UvJ. ru--- TAMMY L. BAGSHAW and STEVEN L. WERT CIVIL ACTION - LAW Defendants ACTION IN EQUITY COMPLAINT TO QUIET TITLE AND NOW COMES Plaintiff, HSBC Mortgage Services, as Assignee of Mortgage Electronic Registration Systems, Inc. as Nominee for Accredited Home Lenders, Inc., by and through its counsel, Shumaker Williams, P.C., to state the following: 1. Plaintiff, HSBC Mortgage Services, Inc., is a Delaware corporation with its registered address as 636 Grand Regency Boulevard, Brandon, Florida 33510, Hillsborough County. 2. Defendllnt, Tammy L. Bagshaw, is an adult individual who resides at 116 Wynnwood Drive, Carlisle, Pennsylvanill17013, Cumberland County. 3. Defendant, Steven L. Wert, is an adult individual who resides at 116 Wynnwood Drive, Carlisle, Pennsylvania 17013, Cumberland County. 4. On or about March 22, 2005, Defendants entered into a contract to purchase a property known as 116 Wynnwood Drive, Carlisle, PA 17013 (the "Property"), a true and correct copy of which is attached hereto as Exhibit "A." , 5. Defendants applied for a purchase money mortgage on said Property with Cody Financial Services. 6. Due to Defendant Wert's credit, a mortgage commitment could not be obtained for both Defendants. 7. On or about April 22, 2005, American Advantage Mortgage Services, LLC advised Defendants that if Defendant Wert was removed from the Agreement of Sale, purchase money mortgages of $71,920.00 and $17,198.00 could be obtained by Defendant Bagshaw. 8. Defendants Bagshaw and Wert agreed to remove Defendant Wert from the Agreement of Sale so as to obtain mortgages on the Property to purchase the same. 9. Plaintiff approved Defendant Bagshaw for a purchase money mortgage of $71,920.00, which was to be a first lien on the Property and 1I purchase money second mortgage of $17,980.00 which was to be a second lien on said Property. 10. On May 31, 2005, Defendants closed on the Property and accepted a Deed for the same. A true and correct copy of said Deed is attached hereto as Exhibit "B." 1 L On May 31, 2005, Defendllnt Bagshaw executed a purchase money first lien mortgage in the amount of $71,920.00 on said Property which was recorded on June 2,2005 in Deed Book 1909 page 2227, a true lInd correct copy of which is attached hereto as Exhibit "C." 12. On May 31, 2005, Defendant Bagshaw executed a purchase money second lien mortgage in the amount of $17,980.00 on said Property which was recorded on June 2. 2005 in Deed Book 1909 page 2247, a true and correct copy of which is attllched hereto as Exhibit "D." 13. Although the Deed was in the name of the Defendants, only Defendant Bagshaw executed the aforesaid mortgages. 2 14. According to prior communication with American Advantage Mortgage Services, LLC, the Mortgage Commitment Letter and Loan Documents, it is clear that a mistake occurred with the Deed being conveyed to both Defendants. 15. Defendants knew that in order to purchase the Property, a first and second lien security interest in the Property would have to be provided to Plaintiff. 16. The acceptance of a Deed with both Defendants as Grantee and only Defendant Bagshaw executing the aforesaid mortgages was a mutual mistake of Plaintiff and Defendants; accident or unilateral mistake of the Plaintiff with the knowledge of Defendants creating an inference of fraud or bad faith. 17. Based upon the aforesaid prior communication, Commitment Letter and Loan Documents, a reformation of the mortgages found at Deed Book 1909 pages 2227 and Book 1909 page 2247 should be made to include Steven L. Wert as mortgagor together with Tammy L. Bagshaw. 3 < WHEREFORE, Plaintiff requests that this Honorable Court quiet title to said property and reform the mortgages attached hereto as Exhbits "C" and "D" to include Steven L. Wert as an additional mortgagor. Dated: 3 -- 22- O<e LIAMS, P.c. By Ant ony J. Foschi, ID #55896 P_O. Box 88 Harrisburg, PAl 7108 (717) 763-1121 : 186663 4 , t:i<-'^'!' ,t A- \ I Ad t Mt 717 755 ooms P. 02 'f'IJ\..t(-:dl-~UU= 11.:20 AmQr Clan van .!l.9,;;;1 ~. l-~~O rW",,,,l&)wo v "'S..l.":lI ~~-~4-rk1t;) lb:;jb rtiUfJ-l",;oa.V t'l.D6J'lC~a.1. ~~~a. '_#L.I$~.:-L~..-_ ___--.,...~......_ .......r... , t.... ...lW.Iur.....-n.:.dIlD..'..~...--_........... '--"'oIIII\AL1UJqilIomYQ, ~:::j1"" " c J),~~i.'i~~~~~~~~,~~~;~,~~,'::'sy'~.:"-i~~ .:. 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Dad IIwL ~ ucba'""III" ..... ,...., __ 11M' .. - : .~....._- . .....................~lOdl_Ar~ = Cl _"'_J _~ "I1Ia.._-.....~. r:I .............. ,..~ __.......IIIII...~tn.nn.V'-...dI - : -~~...~~~ :: :: :.. .~;;:....._Of&: _0} ~ c,...;,,I,, ...IL DA:U / L =_ _ _r ____ _~ 7:. DArK "r:f1:~,.;Y~ N - " NIJ4M............ '" .....1 J,' ... OIOIO,O'd LL98 iil .1.(X~5l ~'SCOP'" ~L'Wl~ $l!~I~~$$~ QN~ Nft~O ~.,g, cnHL)500a-Va-WYH TOTAL P.09 . . . . "i . . . ~ I \ \ \ il \ \ \ , }\ in" \ (,:"'f' \ .ct i . \ ~ . \ . . . . \1 \ . \ ". ',\., .. t \ . \ .1' .!-). \ \ \ . ~ ' I \ ~~'. ti'..a -t . \ u"" ~ \ '" : .' ..- .-- =-=------ l'R"t {'" ~ EX~lbi+ E 85/25/2885 11:34 7172495755 OBS PAGE 82 Pucel No.: 29-16-1094.-236 DEED MADE mE day of May in the year of our Lord Two Thousand Five (2005). BETWEEN VYLETI'A M. MELLOTT, Trustee of the Vyletta Mellott Revocable living Trust, dated December 3,2003, by Kerry D. Mellott, her agent. of Cwnberland County, pennsylvania, hereinafter referred to as: Grantor, and TAMMY L. BAGSHAW, single adult woman and 51'EV'EN L. WERT, single adult man, husband and wife, of Cumberland County, Pennsylvania, hereinafter referred to as: Grantees, OS/25/2005 11:34 71 724'35755 DBS PAGE 03 UNDER AND SUBJECT to and together with the rights, privileges, agreements, rights- of-way, easements, conditioIl5, exceptions, restrict10Il5 and reservatioIl5 as exist by virtue of prior recorded instruments, deeds or conveyances. BEING the same premises which Vyletta M. Mellott, by Deed dated December 3, 2003 and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 261, Page 1126, granted and conveyed unto Vyletta M. Mellott, Trustee of the Vyletta Mellott Revocable Living Trust, Grantors herein. The said Vyletta M. Mellott, by Power of Attorney dated December 3, 2003 and recorded in the Office of the aforesaid in Mlsc. Book . Page . . has appointed Kerry D. Mellott as her true and lawful agent. AND the said Grantor hereby covenants and agrees that she will warrant specially the property hereby conveyed. IN WITNESS WHEREOF, said Grantor has hereunto set her hand and seal the day and year first abo~e written. OS/25/2005 11:34 71 72495755 I 055 PAGE 04 CERTIFICATE OF Rll~mENCE I hereby certify that the precise residence and complete post office address of the within Grantees is .2005. Attorney for Grantees ----- f:xh;/~; + c l) J \n1:>9 . . '1 UJID~ ( _'~' ,I -" -- -' ,.. /.'/.1 .~".. ,;/ / (}~:f/J;?3 ,...,'"'.... ..:_"..:-'.~:~PT .'. .. '!C ~. r~ 1 -' ,'; r-o - ~~', , , 2005 JUN 2 AfJ 10 ~~ Prepared By: Accredited Home Lenders, Inc. A California Corporation 15090 Avenue of Science San Diego, CA 92128 Return To: Accredited Home Lende rs, Inc. Attn: Post Closing Oepl 16550 West Bernardo Dr. Bldg 1 San Diego, CA 92127-1870 Parcel Number: 29-16-1094-236 [Spa~t Above This Line For Retording Data) MORTGAGE MIN 100176105041894836 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, II, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 1'6.' (A) "Security Insftlunent" means this document, which is dated May 31, 2005 together with all Riders to this document. (B) "Borrower"/is T>>tiY .~ Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number ofP.a. Box 2026, Flint MJ 48501-2026, tel. (888} 679-MERS. 100176105041894836 0504189483 PENNSYLVANIA - Single Family - Fannie Mae/Freddle Mac UNIFORM iNSTRUMENT WITH MERS Form 3039 1/01 _.6A(PA)l0407) . /PI Page1of16 lniti8~ VMP Mortgage SolutIons, (nc. {8(0)521-7291 BK I 9 0 9 PG 2 2 2 7 (D) ''Lender'' is Accredited Home Lenders, Inc. A California Corporation Lender is a Corpor ati on organized and existing under the laws of the State of California Lender's address is 15090 Avenue of Science San Diego, CA 92128 (E) "Note" means the promissory note signed by Borrower and dated May 31, 2005 The Note states that Borrower owes Lender seventy-one thousand nine hundred twenty and 00/100 Dollars (U.S. $ 71,920.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2035 (F) ''Property'' means the property that is described below under the heading "Transfer of Rights in the Property. " (G) ''Loan'' means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [i] Adjustable Rate Rider o Balloon Rider o VA Rider o Condominium Rider 0 Second Home Rider o Planned Unit Development Rider 0 1-4 Family Rider o Biweekly Payment Rider 0 Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) ''Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a ti.nancial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) ''Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation. settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and! or condition of the Property. (N) 'Mortgage Insurancell means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) prim:ipal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. _.6A(PA) (0407) Page 2 of 16 '-- j) l Irliti'IS:~ 0504189483 100176105041894836 Form 3039 t 101 BK I 909 PG 2 2 2 8 (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S,C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C. F. R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. (Q) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, the following described property located in the County [Type of Recording Jurisdictionl of CUMBERLAND [Name of Recording Jurisdiction]: S.. Legal Description Addendum Page Attached which currently has the address of 116 W'lNNWOOD DRIVE Cl\1\LI S LE ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. Jfh 100176105041894836 0504189483 ImlF,ls ~..6A(PA)(O"07) Page 3 of 16 [City), Pennsylvania 17013 [Slreel] [Zip Code] Form 3039 1101 BK I 9 0 9 PG 2 2 2 9 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record, TIllS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges, Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U. S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Seeurity Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at tne time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment "it"'~ 100176105041894836 _.6A(PA) (0407) Page 4 of 16 BK I 9 0 9 PG 2 2 3 0 0504189483 Form 3039 1101 can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide ~Jr payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay direetly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESP A, and (b) not to exceed the maximum amount a lender can require under RESP A. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds. atulUally analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest 100176105041894836 '"'Ii'~ 0504189483 "IIl-SA(PA) (0407) PIge5of16 Form 3039 1/01 RK I 9 0 9 PG 2 23 I shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held in escrow, as defmed under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESP A, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held hy Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property wbich can attain priority over this Security Instrument, leasehold payments or ground rents on the Property. if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien wbich has priority over tbis Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforeement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien wbile those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to tbis Security Instrument. If Lender determines that any part of the Property is subject to a lien wbich can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in tbis Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with tbis Loan. S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term" extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by BarTOwer subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. Page 6 QI16 ''';H'''~ 0504189483 100176105041894836 ~-6A(PA) (0407) Form 3039 1101 BK I 9 0 9 PG 2 2 3 2 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economieally feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicahle Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to senle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 100176105041894836 ~.6A(PA) (0"71 Pa~e 7 of 16 RI( \ 9 0 9 ?G 2. 2. 3 3 ,"it;..~ 0504189483 Form 3039 1101 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's contro\. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower'. Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Bon.ower or with Borrowerl s knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements eontained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sumS secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. , - 100176105041894836 V.JiZ ";li""~ 0504189483 "'t,.6A(PA} 1"07) PageS of 16 Form 3039 1/01 BK I 909 PG 2 234 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be availahle from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantial1y equivalent to the Mortgage Insurance previously in effect, at a cost substantial1y equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage eeased to be in effect. Lender will accept, use and retain these payments as a non-refundahle loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided hy an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement hetween Borrower and Lender providing for such termination or until termination is required by Applicahle Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimhurses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on al1 such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments fDr Mortgage Insuranee, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed" captive reinsuranee,11 Further: (a) Any such agreements w\Jl not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements w\Jl not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrow<!r to any refund. ";tI~ 100176105041894836 Gl.6A(PA) (0407) Pagtt9of16 BK I 9 0 9 PG 2 2 3 5 0504189483 Form 3039 1/01 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protecdon Act of 1998 or any other law. These rights may Include the right to receive certain disclosures, to request and obtain cancelladon of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such eaneelladon or termlnadon. 11. Assignment of Miseellaneous Proceeds; Forfeiture. All Misccllaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miseellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the MiseelIaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shalI be reduced by the amount of the MiscelIaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction.. or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given. Lender is authorized to collect and apply the Miseellaneous Proceeds either to restoration or repair .of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal. is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the ac:tion or proceeding to be 100176105041894836 IM;'I'~ 0504189483 CIl-6A(PA) (0407) PIg.10oft6 Form 3039 1/01 SK , 9 0 9 PG 2 2 3 5 dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer' s consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will he treated as a partial prepayment without any prepayment "harge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be m wrltmg. Any nollce to Borrower III conneCllon with thIS secu~sment shall be deemed to 100176105041894836 0504189483 Inltl81s 4IIl..6A(PA) (0407) Pagellof16 Form3039 1/01 BK I 9 0 9 PG 2 2 3 7 have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Constrnction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the maseuline gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18. "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such "xercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate Mter Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower1 s right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or ':Illf , , \ Inllialf:. ,L 100176105041894836 4I!l.8A(PA) (0<071 pege 12 of 16 BK , 909 PG 2 2 3 8 0504189483 Form 3039 1/01 agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the pUrPose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) ,:ash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Nodce of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notiee of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESP A requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified t.he other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for pUrPoses of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Enviromnental Law and the following substances: gasoline, kerosene, other flanunable or toxic petroleum products. toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, ,md radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or enviromnental protection; (c) "Environmental Cleanup" includes any response action. remedial action, or removal action, as defined in Enviromnental Law; and (d) an "Enviromnental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. _.6AIPA) (0407) Page 13 of 16 '- hJr Injtial':~ 0504189483 100176105041894836 Form 3039 1/01 Rl( \ 909 PG 2 2 3 9 Borrower shall not cause or permit the presence, use, disposal. storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property, If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup, NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18un1ess Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (e) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to asurt In the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default Is not cured as specified, Lender at its option may require immediate payment In full of aU sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by ApplIcable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff s sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. Page 14 0116 ",,;.i1 0504189483 100176105041894836 fIIl-BA(PA) (0401) Form 3039 1101 BK I 909 PG 2 2 4 0 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider cuted by Borrower and recorded with it. Witnesses~\ ;' r r I / c~~ , (Seal) .Borrower (Seal) ~Borrower (Seal) -BoITOWcr Gl.6A(PA) 10<07) , ,I ~i~::2 (Seal) .Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 0504189483 100176105041894836 Peg. 15 of 16 Form 3039 1/01 BK I 9 0 9 PG 2 2 4 I COMMONWEALTH OF PENNSYLV ANlA, 3. IS'- On this, the day of undersigned officer, personally appeared T~ ClArrlbe(lancl ~. 2(JV-) L. BAGS;;:;::J County ss: , before me, the known to me (or satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, 1 hereunto set my hand and official seal. My Commission Expires: C. u', ('/' 0; / . ~/" ~Nofgy Ub/d Title of Officer J NOTARIAL SEAL Jeanette L. Pennington, Notary Public Susquehanna Tow,lShlp, County of Dauphin My Commission ,~xpiras Sept. 10, 2005 Certificate of Res,~ce }' '~~ Y' I, ..:J c. \A n c.. k.. L . \~ n n \ Y1 '1 , do hereby certify that the correct address of the within-named Mortgagee is P.O. s6x 2026, Flint, MI48501-2026. Witness my hand this 31st day of May, 2005 ') I ' U CIt.6A(PA) (0407) Page 160116 . Mt '"ltl"~_ 0504189483 100176105041894836 Form 3039 1101 BK I 9 0 9 PG 2 2 4 2 ALL THAT CERTAIN lot of ground with the improvements thereon erected, situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pipe on the Southern side of Wynnwood Drive, shich iron pipe is 175 feet Eastwardly from the Southeastern corner of Wynnwood Drive and State Highway No. 34 and also at the Northeastern corner of the land, now or formerly of Patrick Reams and wife; thence South 82 degrees 32 minutes East, 60 feet to an iron pipe at the line of Lot No.7 on the hereinafter mentioned Plan of Lots; thence along the latter lot. South 7 degrees 15 minutes West, 174.3 feet to an iron pipe at the line of land now or formerly of Ernest Clelan and wife; thence along the latter land, South 87 degrees 28 minutes West, 60.7 feet to an iron pipe on the line of land now or formerly of R.B. Taggart, Jr. and wife; thence North 7 degrees 15 minutes East, 185 feet to the Place of Beginning; being improved with a one and one-half story frame bungalow and being Lot No.6 of the plan of Lots known as "Valley View Acres" as recorded in the office of the Recorder of Deeds in Plan Book No. 3,page UNDER AND SUBJECT to an together with the rights, privileges, agreements, rights-of-way, easements, conditions, exceptions, restrictions and reservations as exist by virtue of prior recorded instruments, deeds or conveyances. BEING the same premises which Vyletta M. Mellott by deed dated December 3, 2003 and recorded January 12, 2004 in and for the Office of the Recorder of Deeds, Cumberland County, Pennsylvania, in Deed Book 261, Page 1126, Granted and conveyed unto Vyletta M. Mellott Trustee ofTHE VYLETTA MELLOTT REVOCABLE LIVING TRUST, Grantor herein. Parcel No. 29-16-1094-236 , ';J (:' . ~ \ ,-, f LJe_>J.S (2005030088.PFD/2005030088.PFD/20) BK I 9 0 9 PG 2 2 q 3 ADmSTABLE RATE RIDER (LIBOR Six-Month Index (As Published In The Wall Street lauma!)-Rate Caps) THIS ADJUST ABLE RATE RIDER is made this 31 st day of May, 2005 , and is incorporated into and shaH be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to Accredited Home Lenders, Inc., A California Corporation ("Lender") of the same date and covering the property described in the Security Instrument and located at: 116 WYNNWOOD DRIVE CARUSLE, PA 17013 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. 4i'. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for ao initial interest rate of8.875%. The Note provides for chaoges in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1 st day of June, 2007 and on the 1 st day of every sixth month thereafter. Each date on which my interest rate could cbange is called a "Chaoge Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIB OR"). as published in The Wall Screef Journal. The most recent Index figure available as of the first business day oftbe month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice ofthis choice. MIN # 100176105041694838 ARMRIDR1.UFF BAGSHAW Page1of3 Initiel''iJ!~ Loan # 0504189463 AHL modified F,nnleM.. 3t38 (tlOl) BK I 9 0 9 PG 2 2 4 4 (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Seven And Three-eighths percentage points (7.375%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the fIrst Change Date will not be greater than 10.375% or less than 8.875%. Thereafter. my interest rate will never be increased or decreased on any single Change Date by more than One And One-half percentage points ( 1.500%) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than 15.875% or less than 8.875%. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the fIrat monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a peraon who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Secruity Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by applicable law. If Lender exercises the option to require immediate payment in fulI, Lender shalI give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within wbich Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MIN ~ 100176105041884836 ARMRIDR2.UFF BAGSHAW Page 2 of3 Inlaale~/... Loan#':~69483 AHL modified FannieM.. 3138 (1/01) BK I 9 0 9 PG 2 2 [; 5 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in thi1,Adjustable Rate~d~r. ') _1_ ! 'y .I+J "J6/ (J Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date MIN * 100176105041894836 ARMRIDR3.UFF BAGSHAW Pago 3 013 Loon' 0504189483 AHL mexllflod FannloM.. 313811/01) BK I 9 09 PG 2 2 4 6 ADmSTABLE RATE NOTE (LIBOR Six-month Index (As Published In The Wall Street Journal) - Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. May 31,2005 CARLISLE [City] 116 WYNNWOOD DRIVE CARUSLE, PA 17013 [Property Address] PA [State] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ $71,920.00 (this amount is called "Principal"), plus interest, to the order of Lender. Lender is Accredited Home Lenders, Inc., A California Corporation. I will make all payments under this Note in the form of cash, check OJ' money order. I understand that Lender may transfer this Note. Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until tbe full amount of Principal has been paid. I will pay interest at a yearly rate of8.875% . The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default descrihed in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the 1st day of every month. beginning on July 1, 2005. I will make these payments every month until I have paid all of the principal and interest and any other charges described helow that I may owe under this Note. Each monthly payment will he applied as of its scbeduled due date and will be applied to interest before Principal. If, on June 1, 2035, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called tbe "Maturity Date." I will make my monthly payments at P.O. Box 502480 San Diego, CA 92150-2480 or at a different place if required by the Note Holder. MIN # 100176105041894836 ARMNOTE1.UFF BAGSHAW Pagel 016 ~h Initial.: t~ Loan # 0504169463 AHL modified FannreMae 3520 (1/01) (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 572.23. This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest mte I will pay may change on the 1 at day of June, 2007 and on the 1 at of every sixth month thereafter. Each date on which my interest rate could cbange is called a "Change Date." (B) The Index Beginning with the fIrst Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIB OR"), as published in The Wall Street Jaurnal. The most recent Index fIgure available as of the fIrst business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Seven And Three-eighths percentage points (7.375 '!o) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4{D) below, this rounded amount will be my new interest mte until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest mte in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (O) Limits on Interest Rate Changes The interest mte I am required to pay at the fIrst Change Date will not be greater than 10.375 % or less than 8.875 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than One And One-half percentage point(s) (1.500%) from the rate of interest I have been paying for the preceding six months. My interest mte will never be greater than 15.875 % or less than 8.875 %. MIN # 100176105041894838 ARMNOTE2.UFF BAGSHAW Page 2 ot8 ^ r ';qg" '/~ Initial.: ' " Loan # 504188483 AHL modified FannieM.. 3520 (1101) (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the fll'st monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest late and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer allY question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY - See Prepayment Rider attached hereto. I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepayment or partial Prepayment. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no cbanges in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payment after the ftrst Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is ftnally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits. then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal. the reduction will be treated as a partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder bas not received the full amount of any monthly payment by the end ofTen calendar days after the date it is due, I will pay a late cbarge to the Note Holder. The amount of the charge will be 6.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment (8) Default If I do not pay the full amount of each monthly payment on the date it is due. I will be in default. MIN # 100176105041894836 ARMNOTE3.UFF BAG SHAW Page 3 016 Inma;~ Loan # 0504189483 AHL modified FannleMae 3520 (1/01) (C) Notice of Default If I am in default. the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if. at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if! am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it hy first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if! am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do tbese things. Any person who takes over these obligations. including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that anyone of us may be required to pay all of tbe amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. M1N # 100176105041694636 ARMNOTE4.UFF BAGSHAW P.ge4of6 ~} . .u. InlUals: . Loan # 0504169483 AHL modified FannleMae 3520 (1/01) 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under tbis Note, a Mortgage, Deed of Trust. or Security Deed (the "Security Instrument"). dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in fuIl of all amounts I owe under this Note. Some of those conditions read as foIlows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by applicable law. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MIN # 100176105041894636 ARMNOTE5.UFF BAGSHAW Pa90 5 016 0' ~i)" \L Initials:") Loan # 0504t89483 AHL modiflod Fann/oM.. 3520 (1101) BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Note. WI ESS THE D(S) AND SEAL(S) OF THE UNDERSIGNED. 'I 'J /<,/u Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date MIN' 100176105041694836 ARMNOTE6.UFF BAGSHAW Page6of6 Loan' 0504189483 AHL modified FannleMae 3520 (1101) Loan No: 0504189483 Mortgagee: TAMMY L. BAGSHAW Address: 116 WYNNWOOD DRIVE CARLISLE, PA 17013 Loan Amount: $ 71,920.00 ALLONGE TO NOTE PAY TO THE ORDER OF: WITHO~;R aOURSE I,JI ,I Labao Ass stant Secretary Ace edited Home Lenders, Inc., A California Corporation WIN * 100176105041894836 AH1 620017. Uff BAGSHAW' Loan * 0504189483 Page 1 of 1 PREPAYMENT CHARGE RIDER TO NOTE THIS PREPAYMENT CHARGE RIDER TO NOTE is made this 31 st day of May. 2005, and is incorporated into and shall be deemed to amend and supplement the Note or Adjustable Rate Note, as applicable (the "Note"), of the same date given by the undersigned Borrower(s) to Accredited Home Lenders, Inc., A California Corporation. NOTICE TO THE BORROWER DO NOT SIGN THIS PREPAYMENT CHARGE RIDER TO NOTE BEFORE YOU READ IT. THIS PREPAYMENT CHARGE RIDER TO NOTE PROVIDES FOR THE PAYMENT OF A PENALTY IF YOU WISH TO REPAY THE NOTE PRIOR TO THE DATE PROVIDED FOR REPAYMENT IN THE NOTE. The provisions of this Prepayment Charge Rider to Note are authorized by applicable state law or the federal Alternative Mortgage Transaction Parity Act of 1982,12 U.S.c. ~~ 3801 et seq. PREPAYMENT CHARGE I/we may make a full prepayment or partial prepayments. However, if the aggregate amount of the prepayment(s) made during any twelve (12) month period within (Twenty-four(24)) months of the date ofthe Note exceeds ten percent (10%) of the original principal amount of the Note, then as consideration for the acceptance of such prepayment(s). I/we agree to pay the holder of the Note a sum equal to five percent (5%) of the entire amount so prepaid. Any prepayments made after said initial (Twenty-four(24))month period shall not be subject to any prepayment charge. Date Borrower Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date 5% . 5 yrs MIN it 100176105041894836 AHL PPR-5. UFF !lAGS HAW page 1 of 1 Loan * 0504189483 . . . . t:yh\ h,f D " I I'" . \ \ \ ~\~/f .' - ". l .' ~, ,~."'- "i l, I~' ,,- '"h, - /:,',',\ l-'.r:" :'1,.... 200S JU/V 2 R/7 10 ~~ Prepared By: Accredited Home Lenders. Inc. A California Corporatlon 15090 Avenue Of Science San Diego, CA 92128 Return To: Accrsdlted Home Lenders, Inc. Attn: Post Closing Dept 16550 West Bernardo Dr. Bldg 1 San Diego, CA 92127 -1870 Parcel Number: 29-16-1094-236 {Spate Above This Une For Recording Datel MORTGAGE MIN 100176105041994944 THIS MORTGAGE is made this 31st day of May, 2005 , between the Mortgagor, TAMMY L. BAGSHAW (herein "Borrower"). and the Mortgagee, Mortgage Electronic Registration Systems. Inc. ("MERS"), (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Accredited Home Lenders, Inc. A California Corporation ("Lender") is organized and existing under the laws of the state of California and has an address of 15090 Avenue of ScIence San Diego, CA 92128 WHEREAS, Borrower is indebted to Lender in the principal sum of U. S. $ 17, 990. 00 which indebtedness is evidenced by Borrower's note dated May 31, 2005 and extensions and renewals thereof (herein "Note"), providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on June 1, 2020 100176105041994944 0504199494 PENNSYLVANIA. SECOND MORTGAGE. 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT WITH MERS Fo~J3:838 ~.78N(PA) (0401) Am~~2 Plge 1 of 8 IntUII,: , ,/ VMP Mortgage Solutions, Inc. (800)52,17291 BK 1 9 0 9 PG 2 2 4 7 .. TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, the following described property located in the County of CUMBERLl\ND State of Pennsylvania: See Legal Description Addendum Page Attached which has the address of CARLI SLE (herein "Property Address"); TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasebold estate if this Mortgage is on a leasehold) are hereinafter referred to as tbe "Property," Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Mortgage; but, if necessary to comply with law or custom. MERS, (as nominee for Lender and Lender's successors and assigns). has the right: to exercise any or all of those interests, including, but not limited to. the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Mortgage. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds ror Taxes and Insurance, Subject to applicable law or 1I written waiver by Lender, Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full. a sum (herein "Funds") equal to one-twelfth of thle rl taxes and 100176105041894844 '-- 4189484 Inllials: ,) ~.76N(PA)(0407) P...2 018 Form 3639 116 WYNNWOOD DRIVE [City]. Pennsylvania 17013 (Street] [ZtP Codel BK I 9 0 9 PG 2 2 4 8 assessments (including condominium and planned unit development assessments, if any) which may attain priority over this Mortgage and ground rents on the Property, if any, plus one-twelftb of yearly premium installments for hazard insurance, plus one-twelfth of yearly premium installments for mortgage insurance, if any. all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which are Insured or guaranteed by a federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds. analyzing said account or verifying and compiling said assessments and bills. unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Mortgage. If the amount of the Funds held by Lender. together with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. Upon payment in full of all sums secured by this Mortgage, Lender sball promptly refund to Borrower any Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender. Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the Note and paragraphs I and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 bereof, then to interest payable on the Note, and then to the principal ofthe Note. 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which bas priority over tbis Mortgage, including Borrower's covenants to make payments when due. Borrower shall payor cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any. 5. Hazard Insurance, Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term" extended coverage," and such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals 100176105041894844 ( 6i~4189484 Inlllal~ _-76N(PA) (0407) Page 3018 Form 3839 BK \ 9 09 PG 2 2 4 9 . thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseholds; CondominIums; Planned UnIt Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender. at Lender's option. upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7. with interest thereon, at the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower' 8 successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law. shall not be a waiver of or preclude the exercise of any such right or remedy. CIt-7BN(PA) (0407) Page 4 of 8 '- ];~\tt ,,1t,,;;~(ljf/189484 Form 3839 100176105041894844 BK I 9 0 9 PG 2 2 5 0 11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co-signs this Mortgage, but does not execute the Note, (a) is co-signing this Mortgage only to mortgage. grant and convey that Borrower's interest in the Property to Lender under the terms of this Mortgage, (b) is not personally liable on the Note or under this Mortgage, and (c) agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12. Notice. Except for any notice required under applicable law to be given in anotber manner, (a) any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein. and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs," lIexpenses" and "attorneys. fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower sball be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15. RehabUltation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any borne rehabilitation, improvement. repair. or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender. in a form acceptable to Lender. an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property. 16. Transfer of the Property or a Beneficial Interest In Borrower. If aU or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Mortgage. If Lender exercises this option, Lender shall give Borrower notice of acceleration. Tbe notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Mortgage. If Borrower fails to pay these sums prior to the expiration of this period. Lender may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower. Gt,.76N(PA) (0407) PageS of 8 .~' . \......, . 4189484 Inltllls: /_~ ,"'" Form 3839 100176105041894844 BK , 9 0 9 PG 2 2 5 \ . NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Acceleration; RemedIes. Upon Borrower's breach of any covenant or agreement of Borrower In this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall gIve notice to Borrower as provided by applicable law specifyIng, among other thIngs: (I) the breach; (2) the action requlred to cure such breach; (3) a date, not less than 30 days from the date the notice Is malled to Borrower, by which such breach must be cured; and (4) that fallure to cure such breach on or before the date spectfIed In the notice may result In acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. The notice shall further Inform Borrower of the right to reInstate after acceleration and the right to assert In the foreclosure proceedtng the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach Is not cured on or before the date specified In the nottce, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be ImmedIately due and payable without further demand and may foreclose this Mortgage by judIcial proceeding. Lender shall be entlded to collect In such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, and costs of documentary evidence, abstracts and tide reports. 18. Borrower's RIght to ReInstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to at least one hour before the commencement of bidding at a sherifi's sale or other sale pursuant to this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in tbis Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. AssIgnment of Rents; Appointment of Receiver; Lender In PossessIon. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 17 hereof or abandonment of the Property, Lender, in person, by agent or by judicially appointed receiver shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Properly and collection of rents, including, but not limited to. receiver's fees, premiums on receiver's bond and reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall discharge this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. 21. Interest Rate Mter Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate stated in the Note. 100176105041894844 ~,~~t89484 Inlllal. ic:t~... _-78N(PA) (0407) Pege60f8 Form 3839 BK I 9 0 9 PG 2 2 5 2 . . REQUEST FOR NOTICE OF DEFAULT. See Rider Addendum AND FORECLOSURE UNDER SUPERIOR_ attached hereto MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage. deed of trust or other encumbrance with a lien which has priority over Ibis Mortgage to give Notice to Lender, at Lender's address set forth On page one of tbis Mortgage. of any default under the superior encumbrance and of any sale or other foreclosure action. . IN WITNESS WHEREOF, Borrower has executed this Mortgage. WItnesses: I ') 11') r- r 'J'.i ~.J ;j;" ( , .c.~ fu i<l !,,- ~ '-.fu", 1"/lJd a.,': ;1;111/ Vh'44 (Seal) ',- \ T~ L. ~~W! -Borrower / () (iI' (Seal) -Borrower (Seal) -Borrower (Seal) ~Borrower (Seal) -Borrower (Seal) .Borrower (Seal) -Borrower (Seal) -Borrower WHEN RECORDED MAIL TO Accredited Home Lenders, Inc. Attn: Poet Cloelng Dept 16550 Weet Bernardo Dr. Bldg 1 San Diego, CA 92121-1810 (Sign Original Only) 100176105041894844 0504189484 ~.76N(PA) (0407) Page 1018 Form 3639 BK I 9 09 PG 2 2 5 3 . . . . COMMONWEALTH OF PENNSYLVANIA, c..'. 2\)r . On this, the 'J day of \ Y-, (U1 personally appeared TAMMY 1.. BAGSHAW J ell \~ \).> \' \ (I \" () '20U) Couoty ss: . before me, the undersigned officer, known to me (or satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: J N'! I~.-- .'---,,--,-,,-- NOTARIAL SEAL Jeanette L. Penflin9tnn, Notar~J Pubiir; Susquehcmni":!. TIY"'1"'11Ship, County of Dauphin : My Commbsic!f1 ;::xpires Sept, 10,2005 I --------...~~_._~_.., , I\JOh'3 Title of Officer ) Certificate of Residence 'J ( (" I~e tb L '. ~C- n n I 11 Cot K .1 I, FilollUlna.A.,J;.abao, lta......".."t !h.,,:r.~......>, - J , do hereby certify that the correct address of the within-named Mortgagee is P.O. Box 2026, Flint, MI48501-2026. Witness my hand this day of May, 2005 / i /<"" , " J . // r-:' /2'JJ..."./vq" ~~/ "'''-~~a--A L.L.lJ, FllornlflllrAta:bao Asslstant-Secretafy (' Ats.~.tant JCLlnrr\r:.. L ,,,-,,~gcnt of Mortgagr '-fJ(' nl'\ II', j' , ,-, i~'1 "'l-76N(PA) (0407) Pig. 8 of 8 " , U0f504189484 Inlll'I~1 Form 3639 100176105041894844 BK I 9 0 9 PG 2 2 5 4 . . " . ALL THAT CERTAIN lot of ground with the improvements thereon erected, situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pipe on the Southern side of Wynnwood Drive, shich iron pipe is 175 feet Eastwardly from the Southeastern corner of Wynnwood Drive and State Highway No. 34 and also at the Northeastern corner of the land, now or formerly of Patrick Reams and wife; thence South 82 degrees 32 minutes East, 60 feet to an iron pipe at the line of Lot No.7 on the hereinafter mentioned Plan of Lots; thence along the latter lot. South 7 degrees 15 minutes West, 174.3 feet to an Iron pipe at the line of land now or formerly of Ernest Clelan and wife; thence along the latter land, South 87 degrees 28 minutes West, 60.7 feet to an iron pipe on the line of land now or formerly of R.B. Taggart, Jr. and wife; thence North 7 degrees 15 minutes East, 185 feet to the Place of Beginning; being Improved with a one and one-half story frame bungalow and being Lot No.6 of the Plan of Lots known as "Valley View Acres" as recorded in the office of the Recorder of Deeds in Plan Book No. 3,page UNDER AND SUBJECT to an together with the rights, privileges, agreements, rights-of-way, easements, conditions, exceptions, restrictions and reservations as exist by virtue of prior recorded instruments, deeds or conveyances. BEING the same premises which Vyletta M. Mellott by deed dated December 3, 2003 and recorded January 12, 2004 in and for the Office of the Recorder of Deeds, Cumberland County, Pennsylvania, in Deed Book 261, Page 1126, Granted and conveyed unto Vyletta M. Mellott Trustee of THE VYLETTA MELLOTT REVOCABLE LIVING TRUST, Grantor herein. Parcel No. Z9.16-1094-236 (20050300S9.PFDI2005030088.PFDI20) BK \ 909?G Z 2. S 5 . . . . VERIFICATION The undersigned, Shawn Danson, hereby certifies that she is the Foreclosure Specialist of the plaintiff in the within action, that she is authorized to make this verification, and that the forgoing facts are trUo~ and correct to the best of her knowledge, information and belief, and further states that flllse statemo~lits herein are made subject to the penalties of 18 PA.C.S.~4904 relating to unsworn falsification to authorities. jf) D SH~~;ON Foreclosure Specialist Dated: March 6. 2006 \-J -b9- !? 0( ('- \l \k if( ~ "- J::: \) ~ ~ ~ -J r ~ 4=:> +=- ~ o s. ~ ......... c:::> ".1 c::;::. "::;') l~' ~ ~~ f\e /,\ :: :1~1 ((~\) ::~ t I "-____/ -'~ :lr..-: '~.::, ~; ";,. ~ ;, \',' r;? u' t..O " .' .. HSBC MORTGAGE SERVICES, as Assignee of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Nominee for ACCREDITED HOME LENDERS, INC. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA v. NO. 0" - J~5~ {}~u~( ~~~ TAMMY L. BAGSHAW and STEVEN L. WERT CIVIL ACTION -LAW Defendants ACTION IN EQUITY PRAECIPE FOR LIS PENDENS TO THE PROTHONOTARY: Please index the above-captioned action to impress a constructive trust as a lis pendens against the following real property: ALL THAT CERTAIN lot of ground with the improvements thereon erected, situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pipe on the southern side of Wynnwood Drive, which iron pipe is 175 feet eastwardly from the southeastern corner of Wynnwood Drive and State Highway no.34 and also at the northeastern corner of land now or formerly of Patrick Reams and wife; thence South 82 degrees 32 minutes East, 60 feet to an iron pipe at the line of Lot No.7 of the hereinafter mentioned Plan of Lots; thence along the latter lot, South 7 degrees ]5 minutes West, ]74.3 feet to an iron pipe at the line ofland now or formerly of Ernest Clelan and wife; thence along the latter land, South 87 degrees 28 minutes West, 60.7 feet to an iron pipe on the line of land now or formerly of R.B. Taggart, Jr. and wife; thence North 7 degrees ]5 minutes East, 185 feet to the Place of BEGINNING. BEING improved with a one and one-half story frame bungalow and being Lot No 6 on the Plan of Lots known as "Valley View Acres" as recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 3, Page_. -. . .. I hereby certify that this action affects title to or other interest in the above-described real estate. Dated: 3-2Z-0~ :186642 By CERTIFICATE OF SERVICE I, Anthony J. Foschi, Esquire, of the law firm of Shumaker Williams, P.c., hereby certify that I served a true and correct copy of the foregoing Praecipe for Lis Pendens on this date by depositing a copy of the same in the possession of the United States mail, first-class, postage prepaid, addressed as follows: Tammy L. Bagshaw 116 Wynnwood Drive Carlisle, Pennsylvania 17013 Steven L. Wert 116 Wynnwood Drive Carlisle, Pennsylvania 17013 SHUMAKE Dated: 3 - Z -z - 0 Cst By Anthony J. Foschi P.O. Box 88 Harrisburg, PAl 71 08 (717) 763-1121 ;zJ \l -- ~ U} ~ r. o tl::.. .z -{) ~ '\) ..jg --D \) C> -0 r ? ~..z.~ -) r(~~ ''':;11 ~, -:":. j. ....- ';;;:' :".) f') -:: -'."., r:~ u' ..;;l ; , SHERIFF'S RETURN - REGULAR CASE NO: 2006-01652 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC MORTGAGE SERVICES VS BAGSHAW TAMMY L ET AL MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT -QUIET TITLE was served upon WERT STEVEN L the DEFENDANT , at 1259:00 HOURS, on the 23rd day of March , 2006 at 116 WYNNWOOD DRIVE CARLISLE, PA 17013 by handing to TAMMY L BAGSHAW, ADULT IN CHARGE a true and attested copy of COMPLAINT -QUIET TITLE together with and at the same time directing Her attention to the contents thereof. I"'~ me this ~} day of 6.00 .00 .00 10.00 .00 16. OrY 03/27/2006 ~\ SHUMAKER y~ before B28/' ~0<-~" Deputy Sheriff " So Answers: ~~ ~~n:~.c.-1~ R. Thomas Kline Sheriff's Costs: Docketing Service Affidavit Surcharge -co Sworn and Subscribed to t'A-u...r ;'000 A.D. Prothonotary . . --. SHERIFF'S RETURN - REGULAR CASE NO: 2006-01652 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC MORTGAGE SERVICES VS BAGSHAW TAMMY L ET AL MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT -QUIET TITLE was served upon BAGSHAW TAMMY L the DEFENDANT , at 1259:00 HOURS, on the 23rd day of March , 2006 at 116 WYNNWOOD DRIVE CARLISLE, PA 17013 by handing to TAMMY L BAGSHAW a true and attested copy of COMPLAINT -QUIET TITLE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge 18.00 4.40 .39 10.00 R. Thomas Kline . 00 C\..~ 32. 79vr 03/27/2006 SHUMAKER WILLIAMS /.--7 Co before BY'_~~~~V of . Deputy Sherl - So Answers: ~~~ Sworn and Subscribed me this /'1 ~ day ~ J ~lt A.D. Prothonotary HSBC MORTGAGE SERVICES, as Assignee of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Nominee for ACCREDITED HOME LENDERS, INC., : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. : No. 06-1652 Civil Term TAMMY L. BAGSHAW and STEVEN L. WERT, : CIVIL ACTION - LAW Defendants : ACTION IN EQUITY PRAECIPE TO DISCONTINUE. SETTLE. AND END TO: Pamela Lee, Prothonotary Please mark the above-captioned case as discontinued, settled, and ended. Dated: ~--..;\{ 1.01 'Z-DOCo By Anthony J. Foschi, I.D. #55895 PO Box 88 Harrisburg, PA 17108 717.763.1121 Attorney for Plaintiff :189870 r, ~-.,":'l