HomeMy WebLinkAbout06-3293
SAIDIS,
FLOWER &
llNDSAY
Al"JIU'lI\I~'lAW
26 West High Street
Carlisle,PA
KIMBERLY S. CARTER,
,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. Or.. 3). 9.3 Cu;;.t 7:'~
v.
GMAC Mortgage Corporation
d/b/a ditech.com,
Defendant
CIVIL ACTION - LAW
NOTICE TO DEFEND
To: GMAC Mortgage Corporation d/b/a ditech.com
3200 Park Center Drive, Suite 150
Costa Mesa, CA 92626
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
32 South Bedford Street
Carlisle, Pennsylvania
Telephone number (717) 249-3166
SAlDIS,
I FlOWER &
LINDSAY
AlIUII1~E\'SoAT.I.AW
26 West High Street
Carlisle,PA
II
KIMBERLY S. CARTER,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
NO. Of, - 3:.J.'l.:J
GMAC Mortgage Corporation
d/b/a ditech.com,
Defendant
CIVIL ACTION - LAW
COMPLAINT
Plaintiff, Kimberly S. Carter, by and through her attorneys Saidis, Flower &
Lindsay, PC commence this action for money judgment for failure to enter satisfaction of
a mortgage payment after request for satisfaction was made in accordance with the
statutory authorization of the Mortgage Satisfaction Act 21 P.S. ~ 721-6 et sea. and in
support thereof aver as follows:
I. Plaintiff, Kimberly S. Carter (the "Mortgagor"), is a married individual
residing at 1878 Douglas Drive, Carlisle, Cumberland County, Pennsylvania.
2. Defendant, GMAC Mortgage Corporation d/b/a ditech.com, is a California
business corporation engaged in the mortgage business, having its principle place of
business as 3200 Park Center Drive, Suite 150, Costa Mesa, California 92626.
3. Plaintiff signed a mortgage dated May 3, 2000 and recorded June 1,2000
in the Recorder of Deed's Office in and for Cumberland County, PA in Mortgage Book
1615, Page 852, a copy of which is attached hereto, made a part hereof and marked
Exhibit "A" which encumbered 17 Hilltop Lane, West Pennsboro Township, Cumberland
County, Pennsylvania (the "Property").
4. On June 18, 2004, Plaintiff sold the Property to Barry L. Shughart and
Susan L. Shughart, a true and correct copy of the settlement sheet from the transaction is
attached hereto, made a part hereof and marked Exhibit "B".
SAllIS,
FLOWER &
LINDSAY
JlJ.I'~AT'lAW
26 West High Street
Carlisle,PA
II
5. On or about June 18,2004, Plaintiff sent the payment required by
Defendant of $37,346.51 for "full satisfaction of the current debt and . . . release of the
lien of the subject property. . .". A copy of the Defendant's statement concerning the
release of the Mortgage is attached hereto, made a part hereof and marked Exhibit "C".
6. Plaintiff forwarded the required payment of$37,346.51. which was
received by the Defendant on June 21, 2004 together with Notice to Record Mortgage
Satisfaction Piece To Avoid Penalty, a copy of which is attached hereto, made a part
hereof and marked Exhibit "D".
7. Defendant failed to comply with the provisions of the Mortgage
Satisfaction Act, which requires the Defendant satisfy the Mortgage within Sixty (60)
days of the required notice to satisfy receipt.
8. Despite repeated demands, Defendant has continued to refuse to satisfy the
Mortgage.
WHEREFORE, the Plaintiff respectfully request that Your Honorable Court enter
judgment in her favor and against the Defendant and award her money damages in an
amount not to exceed ($40,000.00) Forty Thousand Dollars pursuant to the Mortgage
Satisfaction Act, plus costs of suit, attorney's fees and any other relief this Honorable
Court deems appropriate.
Respectfully Submitted,
~M~M~atN
Rob . Saidis, Esquire - U
PA Supreme Court ill No. 21458
Suzanne C. Hixenbaugh, Esquire
PA Supreme Court ill No. 91641
Saidis, Flower & Lindsay
Attorneys for Plaintiff
26 West High Street
Carlisle, P A 17013
(717) 243-6222
SAIDIS,
FlOWER &
LINDSAY
AIIUllNr.l'!>"AI'I.Afti
26 West High Street
Carlisle,PA
KIMBERL Y S. CARTER,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
Plaintiff
v.
No.
GMAC Mortgage Corporation
d/b/a ditech.com
CIVIL ACTION
Defendant
VERIFICATION PURSUANT TO Pa.R.C.P. 205.3
I, Kimberly S. Carter, hereby state that (1) the facts in the attached Complaint are true
and correct to the best of my knowledge, information and belief and (2) on the date set forth
below I signed this original Verification and authorize my attorneys to attach this with the
original document to be fIled with the Court pursuant to Pa.R.c.P. 205.3(a).
I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A.
S 4904, relating to unsworn falsification to authorities.
Date: lP-I-')lJI)\O
By: ~SC~
Kimberly . Carter
SAIDIS,
ROWER &
LINDSAY
Alll_I~.IAW
26 West High Street
Carlisle,PA
II
KIMBERLY S. CARTER,
Plaintiff
IN THE COURT OF COMM:ON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
NO.
GMAC Mortgage Corporation
d/b/a ditech.com,
Defendant
CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
AND NOW, this ~daY of June, 2006, I, ROBERT C. SAIDIS, Esquire, of the
law firm of SAIDIS, FLOWER & LINDSAY, hereby certify that I served the Complaint
filed in the above captioned case pursuant to Pennsylvania Rule of Civil Procedure 404(2) by
United States Mail, Certified Mail, Postage Prepaid, return receipt requested in Carlisle,
Pennsylvania, addressed to:
GMAC Mortgage Corporation, d/b/a ditech.com
3200 Park Center Drive, Suite 150
Costa Mesa, CA 92626
~
uzann C. Hixenbaugh, Esquire
PA Supreme Court ill No. 91641
Saidis, Flower & Lindsay
Attorneys for Plaintiff
26 West High Street
Carlisle, P A 17013
(717) 243-6222
"
t
/3.940 e
R f'lODE;;"C<' ZIEnEn
, ECORD..." 0;: iJcEDS
.!J,;!UF.RLAIIO COUIITY-PA
'00 JUN l Pf/ l 'Il
P&mel Nwnbe:
I MORTGAGE I
THIS >!OBroAO...- dIIo 13 day DfMay
Jacques D. Carter and Kl....rly S. Carter. his w1fe
,2000
. bclwcaa the Mottpaor,
lbeRln '_cr'), "'lbo~.
GHAt Mortgage Corporation DBA dltech.COIll
",,,,,.._........otthe state of California
3200 Park Center Dr. Suite ISO. Costa Mesa, CA 92626
<_ 'Loadcr').
WHl!JtBAS, _rlo_...~m..._ ....fV.S. .40.000.00 . which
,....._Io_"'........___May 13.2000 ........................
thereof(henla -Note.), proyWIq formoatJll]' ......11_. ofprbdplllGd w..t. wlIh tbebl1lncl of the I ~... ~"'-. if DOl
1OOIla'paicl..daelillld~..;:me 1.2025 ;
TO SECURB to LeIIdIr _lIpIJIDCAI or lbltlld*.l . nldmc:ed by Ibe Noce. with lDlerat 1bcntan; eM pafINIIIl of all
otbn JW:u. wUh iaImII tbaela, Idnnccd itl ~ bemwlIb let proIect the IOCUrity of dill MlXIpp; aod Ihc
per(onIIIID of the cavaaatllIld....... of Ikmowcr beIela ClXlIIiDc:d. Bomlwcr docI benb)' DlDrtpp. IP'bt m:I convey
to Leader UIe fllllowlq deIcribId property 1ocIIed. in die CouIll)' of CUllber 1 and .
Stateofl'armylQaia:
Description Contained In EJCh1b1t A. Attached Mereto And Made Part Of Hereof.
. acorporalionorpnizedllHl
. whole IlldraIla
whkh bu die odd.....f 17 Hilltop Lane
.....,1...10 17241.
"""""I
, Newv111e
-
lbeRln 'Propmy ..........);
Ie""
I PENNSYLVANIA. SECOND MOftTOAG! - 1110 . ...MAIRI.MC UJIIIPOftM "'TRUM!HT
O. .7.U....1 "111 . hmI SIl.
.....1... .....-....l'OIIMI'.,lfOlIIIfr.=~ ~
..od615M .eS2
IIIIIIII
EXHIBIT "An
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TOGETHER wllh all dte init1f6vcmeatllV1W or hcn:after ctCCIed on the property. and all eaemcntI, rlJIw, appwtcDlIlCeI
IDll. renlI, all of wbil:h IbIIl be dCCmod to be uxI temabI. . part of Ibr: prupsty covered by thlI MOItJIICt and all of !be
foreaolll.l. 10p:tber with Aid property (or the Ieuehold eIUIc if mil MoctJlIc II 011 . 1eaeboJd) are hereiaaftcr rcfmed 10 u
Lhe-Prapcny."
Borrower COYCMDlIlhal Borrower I. lawfully .1Ied of Ibe .,.. haDy conveyed and _ 1M rlJht: &0 mortpac. JfIDI. aDd
COIIW)' the Pmpaty, md dlat the Propat, II.... I ob-ild, uccpI for Lruca of record. Borrower ~ lb.
Borrower wamDIIlJId will dtfead paenUy Cbe cUIe 10 dle Property .... all c1aim1lDd demands, IIlbjCClIO mcumbnDc:a of
.......
UNIFORM COVENANTS. Bono... ud Leader CO'ItIImt..ad qne u followl:
1. l'IJment of Prlad.. .... ...... BomJwer _u prompdy pay whal dlHl the principal md iIlIerat ~
evIdaaced byfbe Nowaad1alechq..pr'O'IkSed.lnlhaNo&a.
2, ... far TueI aDd a-a.-.ce. S1IbjecllO applicable law or A wrluaa waiver by Laldcr. BonoMr sIWl pay 10
Leader Oft the day DlOJIIhIy pIynDU of prltdpaJ and Im-t are ~ie WIlIer r:be Nocc, ulillbc Noce b pIld lD full. A IUIn
(hereIn .Pundl-) equal co DI\Hwelfcb of the )'ariy lUeI IIld MIeIItIleIUI (Includlq ",--~..I"'11 IDd pJaaned WIll
dcvdopmeftt 'UIetItnenti. -if My) wbkh 11II)', AlIaki prlority OYIf'lh1l Mon...._.riiuJid ... tin tba PrDpertJ, If' aDy. phil
....twelftJ!. ofyady pranllIftt IaIIaI.bDenU forhaanl bllurll'lCll, phil oae-twdftb of yearly pftmitlm IutIIhDenU rOt mortJIIC
inIurasIce. if aDJ, 11I1 . -.bl)'.-lmIIed IlllllaIly Iftd from lime &0 lID by Leader 00 Ibc WI of.......1IIIl bIIIl IDd
reIIOIIIb~ eIIim11a dIcNoI'. BonOwcr tIdU DOt be obIlpIccf to i:DIb lOCh payDaD or. Plml!IIO l.cDdcr &0 Ibe a1CJll; thai
Borrower maka u:b plyiIats'to Ihc 1to1dlir of" prior IDllItIIP or deod of tnIIt If IUdh bolder bID laIdIwtoDaIlmder.
If Borrower pI)'I PaftlIIIo Leader. Ihe P\Jlldlllball be betd III M IDItkudcm the depoIltI ar aoualI of wbM:b are InIured
or IlWIrltted by a fedcraI Of JlIIe apncy (blcIodln& LeDdcr if Leader .. auc:h ad iDldNdoa), l.mder IbafIIPPlY Ibe PtmdI \0
pay IIkt IIMI, ..-..... InIuaDce ,pnmhmtI aDd ~,... I..aJdcr fillY IlDt ~ tOr 10 boJd1q IDd IpPlJlqlbc
PUDdI, anal1ZlDIlakt.-=cuaaI''or Mrif1Iq'1IId campUlllaUld......1II4 bUll, uaIca'Leodet pIJI Bonower bUereaI 00.
the FImdI and appliclble II. pcnnIU Lender 10 rDIb IUCh I dwae. Bonower and Lcn6et IbIJ asne Ut wdIiollll: Ibe tlmc of
WCUIioD of dill MontIJO lhat Imerat 011 Ihe PImdI Iball be paid 10 Borrower, and unlea IDCh JFeematI. b m.de or
applicable law requlreIlJUCh Ia1ena1IO be pIkI, Lender dWllXlI be nquired 10 p.y Borrower cry laecrm or earnlnp on the
PuDlb. IAder 11&II1 aM 10 Borrower, wlIboGt dwp, ID IIIIINaIlCCOmlIloJ of Ibo FtmclIlbowlDJ credllI amd dtbltllO Ibe
fundi aad Ibc pwpoIII for which each. deblllO 1ht Fundi wu mIde. 1be Puadl arc ple4Jed AI additioDll aecurtt)' for WIUIIII
lllCurecI by thiI MIXItIP.
lithe amount of the PWIlII beId by l.aIder, topther with Ibc future monIbly Iftllallml=GU of fundi ~ prior 10 dtc due
dales of Wta. _I. iDIuIuce premhtIDIllDd JrDUDllrau, IhIII exceed the amauDI. required ID pay aid raxtJ,
1IIGIIDeIltI, IRlUWJCe pnmluml aod .round rcnU AI they fall due, 1Mb aceIIlhaIl be, at Borrower'. optioo., eWacr promptI)'
repaid 10 Bonower Ot mdltcd 10 Borrower OD mon&hIy IutllImeDtI of Punda. If Ibe UDOUIII of Ibc PuDdI held by I.ada' lIhall
not be ...1lk:1aI1 &0 ply &ua, _, lD.IwIace preoUualll4 Jt'OUOd rmlI . !be)' flU due, 8onower IbaIl pay 10 Lender
any IIIOIml aec-.ry \0 __ up Ihe delIdeacy In ODe or lOON ~. LaIdor D1 mq.Ure. -
UpoII paymtDllIl full of tIl.. -=wed by IbiI Monpp, 1MIdcr IbIlI prompcI)' rIIimd to Borrower lilY fundi: be1d \JY
lAwlor. ,,_ porqnpb 17 _1110 "- II........... PnIpony 11_ _ ..,......... lAwlor ...."..pIy,
DO liter tbao ImmediIIeIy prior &0 die" oIa Property or lu....ttion by Lcodar, any FuodI held by I.e:Idcr at &be tl_ of
appUclliDn U I credit iplDIt 1bI_11CUf1d b)' Ibia Monpp.
3. AppIIaoIIoo .r..,.... u_ oppIll:obIo law ptvYldoo............ ~I_.'" by........ _1110 Note
aod pII'IlpIlPbIl ad 2 hereoIlIbIII be applied. by lAadcr tbIl br. pI)'mIIlt of IIIIC\U.IlII ..,.we ID Lcodct by Bonower under
parqnph 2 bmof. .... to hdenII payable 011 tbc NaIe,,," to tkI priacI:paI oftbc Noce.
4. PrIor MwtppI ..... ... or Trut; CIw'pII U... 8ocrower dWl perform all of Bcmower'I oblipdoGl wxler
aay mortpp. cIetd ot WIt or odlcr -=urlty qrteZIItItI wItb alia. wbIch.... priority over tbJI MorT,pp, iIIcludlDa 80n0wcr's
covenmIIlO mIb ptyIDlIIdI wta chaI. Bonowcr aba1I pay or CIUIt ID be paid all taxIilI, ..--u IlIlI odIer c:bIrJea. noes
and ltq:loIlllonIlUrllNtable &0 tbc PIoperI)' whlc:b may IltIlo. l priority oyer tbiI Man.., IOd k:IIehoId. paymtDtI or around
renu.,lflllJ'.
5. JWud....... Borrower IIbaII keep Iht 1..Gf).l:6~t1DeOt1 DDW aIIUq or hIMfter erected oa !be Prupert)' iDaured
..aIftIt loa by fife. huanIIlDcIudtd withia !he laID -exlelllkd cownp, - IDd. IUCh GIber hIzuU. Leader ma)' require Md In
IUCb U'IllUDI' and for ad periocb U LeDder ma)' require.
'Ihc lDlW'lllCe cUrler pl'O"fldinJ thc iJIIutaDce IIbaII be cboeal. by Borrower IUbject 10 IPPf'Oval by I.mderi provided, that
JUCh appro"aI IhI11 AOl be ~ly wllbbeI4. A1IID11Ul11Cll poUdcIlDd ....... dIenof' 1ha11 be In a form ccepIMIlc 10 leDdcr md abaJl iDctude . ataOdud morIJIIC c1auIe In favor of mlin , fonn acceptable to I..mdtr. l.eDdtr IlhaJI haye the rlJbt
10 bold Iht pollclesllld rmeweIa thereof. INbjtcI to the termI of fillY mona.. deed of InIIt or other..mty ..recmcm with A
lIenwblcbhupriorky overlhb Mortpa:e. . .... .
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In tblllV&t of lou, Borro~.if.alI.I~ ~ DDdc:e to tbc Imurancc carrier ad1..cDder. LeDdcr may matepraofof loa
if DOl made promptly by Borrower.
If the Property illbudoIIed by BonowCl', or if Bonowcr raUslo rapond 10 I..aIdcr wiabin 30 Gap from the dItc JIOIlco II
mailed. by LcIIdcr 10 IIorrDwa- dW me UlIuzIa:e carrier otrIn 10 ... . cblm lOr ...... ~filI. u.dcr II audaorizallO
CDl1ecl aad apply 11M IDIunDce proceeds'" Ladet', opdoD el&ber 10 rIIIOrIdoa or Nplir of the Prupeny or 10 .......1CIClINd
by thi, MortpIC.
6. l"rtIen'atkm ud MalDlIRucc of Propa1J; ~I CaadIIIaIalIllQl; Plauecl VDlt 1)I,.lIaP""""-'" Borrower
....,....... _.. oood """'... -...- -"_'_"- "... -...
ttWl CClIIlpIy wlib Ibt provUIOIIII of my Icaa If mil Mottpp Is OIl; a 1IIIIbold. Jflbll MorJpp. 011.. IUdI m a . '-mill
or . plumed unit~. IIorrwwIbalJ pcrtormaJIof8onower', obUptioIIIlUlCkt1bl:4Il::WMJoa orc:owDMMJ aradq
or perIIlq &be ~Odf-~b- .~ ~ uail ~, &be by-law,. fCJIlliticmI of tbc condomiDium or p1mDcd wdt
...--, ...............~.
7. _"Lfo!Ior'I.~.Il_.fIIII."""'""",_",._"OIIiood"""
Mona.. or If.., lCdoaorpnMlDldiq IICIC\IDlIMDCOd wb.lcblDlMlriaUy,affec:II Leader', illlCl'af.in tMJ'tropcrtJ, _lADdIt,
II Lcada", op&iDa. .. 80dce 10 -Borrower, 1DIJ' ~ MIl........ diIbm'ae ~~. ~ ftIIOMble 1IIomI)'I'
rc..........__.iI_.._LoljdIr...-...,.Il~~__"""""".._of
.............._by....~._-""'........--IOOplIIod.._-_.._-
IUCb time _ Ibe ~ for IUCb iDIunaccI u:rmIDIIIIln accoftSace wllb Borrower'. ao4 Leodcr', wrilWl 'Ireemml or
oppi........... .
AAy amtlUD&I dilbun-l by"~ ~.IO 1hiI ".,....,'. wllb ~~, fl tIJ.c Noce rahI, IMll become
add1tioaaI ' r L. ..-- of Bon'OWCI'.-und.b)' 1b\I_ ~ U~ 1o~.~,lAalkr'" IO,~ 1cnDI of paJmIIIt.
such amouma IbID ba payable v;poa 1lOdce flam Laader 10 Borrower requeIt1a. ~ thereof. Nocblaa coataioed lD 1bia
puqnph 1 lUll requlftl Lmder 10 iDcw' Ill)' expecIe or Wrc lIlY actklD hIreuadcr.
I. 1DIpIdloa. LeDder may IDIke or callie 10 be midi reuooable ealrleI upon IDd laIpcctioaI of the Property, provided
1bIl l.aIdor Iball siVI Bonowcr IIOl1cI: prior 10 aay .IUCb IcIpecttoa ipOClIybl& -.onIb. CIUIO theNIor:d1lled 10 LeacIa",
............_.
t. ,.. ...--..floa. The pnlCICIdI of aay award or claim tor damIaa, dlnct or ccmecquaslia1, ill coonoction with lIlY
condenlnIdoa.or acberlMilll or.. PnIpetty, orpa1 tbaNol', or foteoavt)'lDCC 1D UcIlof CD" _'!.wo, are __y 1IIi_
and I!aaII be pakt to LIAdtr, lUbject 10 1bc 1cnDI of any IDOrtIIIC, dood of UUIt or other ""'rlty IJftlCIDCDt wllb . He:n which
hupriorityG'YcrtbllM~.
10. IIcarnMw NDt ~ ,....... BrlAtdlr Not . Will"", ExlaWOll,ot 1M lilDD for pI,)'mcat qr modlflWloa
of AAIXdIadoa of IbII1UD1 ~ by tbII Modpp: &tallied. by lAadcr 10 11I1 IUI:ICCIIOt la Imcr.t of Bormwcr Ihall not
0perIIe 10 reJaIe, in ",y muncr, the liability of m. DriIIuI Bonower ud 8cmow<<', IlKll:IaIOlIm ~ I..cader IbaD DOC
be rcquiraIlOCClIIlIIIm:epnxlellllllllJ....1UCh 1QCCIIIOt0l __to OIIm;Itime for payIDIDt orolbcrwt.1ZlCId1ty
anaoniDtkla. of Ihe .... 1ICllftd, by thiI Nonpp by _ of IIl'/ demazad lUIic by lite oriaInaI JIorJvMt _ Borrower',
IUCCeIIlIfI in laIaeIt. AAy ~ by Lender ill aa;iIia& III)' riPI or ~ beteuadcr, or otbcrwile afTordecI by
applk:able law,lhaJllIOC be a waiwraforpNCludetblllUCClllof.IIQ'''' riJIrt or.-ly.
1I._ud........__...._LloIllIII1I~Tho_...__
........._ blod,..s..._ _ _ _...... -"" __........." LooIdc __.
aubject Ia the pco'YiI.. of"""" 16 Mt'eof. AU ~ .... ....... of Bonowcr aIaaU t. joiDL alId ....r. Any
Bonowar who co-tIpIlb. Martpp. but doDIMlt.... Ibt NaIe,. (I) II co-tiJIliDa IbiI Moltpp aUy to rDOttpp, IfIlll.
aDd ts:a"*'i daat Bonowe:fa ....1D Ibe Pmper1)' 10 Lader UDdar tbe &ormI of &bil Monpp. (b) li JIGt JlIIICIIYU1111b1o oa
tbc Holt or....1bII ~ IlDd (c).-- Leader IDd fJIJI1 Dtber Bonowtt...... mI1.....1O CltIIDd, tiladlfy,
fortlIIr, or IIIIkt ., odaIr rrn ....t- with npnllO Ibc ... of IIliI Mort&tP or 1bc Noce wJdkIut tbal Bonower',
coumt _ withoua l'IIIaIIaI_lariowr or modIfylaa tbit ModpIt..to IbM Bonower',laIerat in.. Property,
1%. Noda b:cpC. flit IlI1 DOIlco nquInd Wldlrtpplil:ablo Jaw 10 beJiYGl ill IDOCbcr _, (.1),11I1 aotIlCC Ia Borrower
,...Ided for...... M_ _ .......by dcI_k"bylllllllol__by.......11lIll oldnaood.._
ar: &be Propcny AddraI or at such otber Iddraa a Borrower fDI)' deIlpaIe by DOtlcc to 1.c:adIlr. JlCO'IkIecI hcrebl. aDd (b) ID)'
DOIk:e 10 Leader Iball be 11'feD by cenUIod mill to LeIlder", IlIdrea IWId bon:ba or 10 .. oe.er IddraI .Lador may
dcllJIUI by DDtIce 10 Barra"or .. provklld bereJa. ADy IIOtk:e ptOYlcIe4 for In tbII MDrtat&c tbaU be doeraat 10 ha~ been
&Iven 10 Borrower or LIDdor wIIea ama la Ibe IDUIIa datIpIIcd hema.
13, Goy", Lawl SerIrabIIkJ. 1be I1I&e 1DlI1ocIllaWl IPP1icIbIc 10 tbit Mortpp IbaII be the law, of the
juritdiclkm.la wlUr::b 1be Property illocaIId. Tbcforo&CIlnaleDteDCCabalI DCI111mk die I(lplli:ablllcy C1ffedenllaw 10 tbit
MonS". In the even!. Lhat lilY provlslon or ctlua of lhil MortPle or the Note coaIIk:ts with appUcable law. ,ucb conDiet
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......-...-.............-.......,
IhaII DOt.l1ect other provilkw akhiJ Monallp or !hi Nate wbich CIIIl be liven effect: withoUl the conf1lclln& provmc:m. and to
mil eDlI. !be provlalonl of ibis Manpa- _the Note an: declltCd 10 k 11IVInble. AI u..r hcrdLz. -=-.. "u:paun- and
-lUOmtyS' fccs. lacbJdeIII IWDI to thct WCDt DOl prohibhcd by IPJ)Ik:IbIe la. or llmitod hadn.
14.. Jornnnrll Copy. Bonowcr shill be fumlJbed .. conformed capy of the Note and of IhiJ Mol'lJllc at !he time M
aecutloaor.~bereor.
15. 1leWIUkItIon Lou ~t. Botiower abalt rwml .u of Barrovtet', obUpdou __., home rdIIblliwlon.
j/.~n....I_.lIpeit. Dr olbc1kallJ1l8lMlllwbidr. Borrower mIlD lnto wttD 1.ADder. LnIIIcr, It Leader', 0)ld0Il.., requite
Borrower 10 a.ecuLC aM deliver 10 I..eDder. In I form -=rpbble 10 1.cDdcr, In ..Ipmeat of any riJbU. c:taimI or dcfCIIRI
which 8onower may have qalnIt pmla who suPPlY 1Ibor. materials or ICI'Yku in CGaDCClkm wllh ImprovcrneatJ m.se to the
_y.
16. TnutIr of the PropertJ or . ........ tat..t la BctrroMr. If III or ID)' put ot the Pnlperty or lilY II'defeII in It
illOld Of uu.remcl (or If.. blneftclal ~ In IktrftIwer illIOlcI or truIIrmed ad JIono'ftr II DOl. DIhdl penon) wilbow.
1..cndcr'. prior written c:cmNIII, Lendtr DIIf. I( Iff aptIo4, rwqWnt ~ ~ II. full Df &1) JDIIII -.md by !hit
MortJIIc. However, !bit option IhaIl bOt be eurclIcd. by l..elar If exen:iIe it prohibited by federal law .. of the date of thb
_..
If l.eDdcr acn:11eI thU opUoa, lAnder IMlI. live Borrower notice of accele:n1lon. 1bc DOIlce IhaII pIOYfde.. period of not
leu LbIn 30 dIy. from. the dale the DOUce b delivered or mailed wld1ln which Bonower _ pi)' 111 RmlIIeCIlfed by thb
ModI.. U &nower Calla 10,., lhcIc IWnII prior 10 &be expirackm of lhiI period., Lt:ader mI)' lDvob lIlY ttmediel permitted
by Ibis Monpae wIlbout furtbtr notice or demInd 011 borrowct'.
NON-UMIFORM COVENANTS. Bornrnr _lAader flirt_ ccmQId ad...... toIlowr.
11.Acn1....OIIl ....... UPfM: JIcJrz'DMr'. bNach III U1 amIWlI OJ' ..1'tIImIId. olllorroWll' lq dill ManPle.
'-I.... the toftUIIU to pII:r wbeD .... ..,. I&ImI JeWnd b)' tbll MortpJe, lAD_ prior 10 MCeltnitlon aD _lYe
IlOIke 10 Borrower u pro,.lIhd by applicable law fPed.rylaa. IIIIIIIII ather Ih1Dp (l).tM bnach; (2) the ac:daa required
10 curt aIdJ. hwdI; (3) . dlt&, aot ica tJ&u 30 ." Irola 11M ... !he 1IGt1et.. mIIIId 10 hrroww, .". whlcb IUdI
InKb .......bt curedI: ... (4). tlaat flllure to an IlXb b.-cb.. or betMlIbe ... ipCCUIed lD the DOtln may NUll III
~ or Ibe ..... IICInllItI 'I" Mortpp, fo........ by JwUdaI )lI'OC'IIdlDa. ud _.. of Ole "'01*1)'. The
aotfce IIIIU IurtJIer Ialona hrrower 01 till' rqJd 10 nIaIIm afhr ICaIltratIoa lUId tt..11Jht 10 MIIrt ill 11M f~
proceedIDI the...11 &.0__ or a default or _ oIbIr dIt.., 0' Bornww to IIClIIlIraIkm bd londaIure. U 1M breach is
MI CUhd.... or befon 1M .....1ptldII.. bt tMlIIIIIct. lADder. at ~....... _y dIdan: aU of the.... RCured b)'
UdI Monpp to 1M ~ ... 'v m. ud ,.,...... dhouI tunJNr -'-d ......,. rondalt UdI Mort... b1 Judkial
proc:eedtna. 1AndIr", be fDtWed to cdDftI .. .... ~ au..,.... or r~. iDdudlD&. buc DOl UmlIed
to, reMOBIble ........,.. r.. .. COllI or doc""""" eri4IDce, IbIIncU ud title npoI1I.
LI. ~ R1aJtt CO.......I& ~ 1Albdcr', -I-linn of. IWIIIlCCUred by lhb MOltJIp due 10
BoI"fO~'. brach, Borrowv lUll bave Cbc rip1 10 aft ..By pl'OClalliJl,.. beJIDI ~ 'UDCkr 10 edan:t 1h1I Mon..
dilcaAtimicd lit., time prlot lollllalt ODe bour before dlI.:c..... t ofbiddiq alalbalfr. Ale or other Ale plltIUIIIlt
10 tbiI MorIJIP it: (.) BoI1O'ltlet' pa)'I: LeDder Iff RmIf wIdda would boJ ,. _ IIQder 1bJ. MOItpp aDd Ihe ~ Iud .DO
IlCllIdcrMicm oc:cmred; (b) IIclrrvwer cva III bIaI:beI of lIlY odler tIn'CDIDb or ~ of Borrower toIlIaiDed 1ft thb
MortJlJe; (e) Borrower pI)'II III reMCmlbte apeDICI Iacurrcd by Lmder in cnron:iq the COYeJlaDtI IIkI ..rccmtRtI of
Bonower caalltDtd La lbI, Manpp .... m eaton:lDa l.aIder', remedieI. provided lQ puaanph (7 baeo(, ihdulfiaa, blf11J01
limbed la, rnIOIIIlbJe Ittomey.' _: lInd Cd) 8orroMr lUa tudt. ICtIcm II LeDder by raaanabJy require to .... tIw: lhe
lieD 0' IhJI ~ Leader', uur. In the Propeny _ Bonowcr', obllpUon 10 pay 1M .... IlCllred by 1hia t.Iortaqe
llIaJl CODCinue WIimpaIrIcL UpolllUCb paymeaI. IDd cute by Borrower, 1hIlI MortJllO aad !be obllptiona __ bmby .ball
nmalD in 11I11 force md effect _ if no accdenlloD W occurmI.
I', .ualpmeat 01 JI.IDU; AIPoIaIInaI 01 JltaIY., lAMJer bI ~ClIl. AI Mld.lliouIlOC1II'tty blll:eUnder, &omwer
hereby IlliJDlIO I..cader lbc hall oC lbc Pnlpcn:J, provtded that Bonuwer thall, prtor 10 ICCClerIlIon WIder parqnph 17
bcreafor IIIlulIomneaI of~ Ptopen" MYe!be ripe &CleaUedlDd rcc.m.ucb RIlII_they tlec:omedQe IDCl paylble.
U,..___--..17honoror_.r""_.!.aIder. In _. by_orbyJIXlJcIJlI,
appolnle:d receiver abIl1 ba .-!dId ao IIII&er 1IpOII, taU poaeMhxl of Uld nIIZlIp Ihc Property IDd 10 coIlocl the ... of the
Ptopen, IQClwlbta tbDIe pili'" AIIItzI&I ooUectecl by LencIer or 1he reccil'er IbIII be applied DnllO pI1aIIt of the COllI of
manapmem of die Propeny IIId ClOllect3oa of rtDII, 1Ac1udlQ" but DOt IlInlled to, recelytt', (ea, pNIIIItaaI on rccctwr', boad
and reIIODIIbht 1UOmC1,' (eta, IlDd cbf:a to tbt IUmIll!Cllred by thl. Monpae. Leader I.nd the rec:clvct"lI be liable 10 account
Ol1Iy (01 tbote 1JlD1I ad1WJy received,
20. 1leIeMe. UpoIl payment of alllUlDl .ccund by thi. MOI1...e, Len4et ahaIl diJctwac thil MOr1Jllc wllho111 thlfBC 10
Borrower. Bormwr:r Iball pay .u COlli of recordation, If any.
21.1Dta8t RakAII..J~. 9onower IIIteJ 1hIt lIlalnJtru1nte paylblc after IJudJmml II enleRd on the Note
or in In action of monl'lc foreclalUre lIhall be the rile .tIIed in the Note.
_"'I"AI~.llt
'......
.0011615,101:.855
........
~
. .
IIIIQVIlS1'roa~01!_AlJLT
ANlflOVJ<"O"'''.IlNIl__
IlIOIlTGAOItI OR DIlED8 orTRtlST
Bonuwer IIId LcDder req.- tbc bolder of my 1'dDftIIF, deed of lnIIl 01' olher -- '- _ wid! . UoD wh&ch .IuI
pr\odly OM' tbIa Modpp 10 JiWl Nodal to LIMK. 1&....... ~.. forth on,.,. CD rA1hb ........, of my dlr.lt
UDdcrIieIlaplliclr . lIIIIor.,....aradllr........ICIion.
IN WlTNBSS WIIIIR8OP. ___IbIo_.
.~ J ML
, ~ J.C~'~ Carter ~
_ ~~(; ~ ~!irr-~ ~
(ScoI)
---
Criftale of IlIIIlIdIDm
I,
the wllhlD-DUDOd LaKIer 11
(SooI)
---
CSl6aOri,,_Ortl,)
. do ....,. -'if)' 1hIt .. corncllllldr.- of
W11M11 my hIDd tbll
doyal
AJlMor.......
COMMONWEALTH or PlNN8YLVANIA. C",-"",b ..V'\p."J... Couol,.,
Ontbll." /;p-, 'dlO)'of ~ / .,?<?--' .~....................IIIccr.
porIlllIIlJ,...-..cI ;::;;;:c,~", .ac..,,i; ~ ,;\'''''''''''fs:a~
bowalOme(or~YplD'fca)tobclhc
per-.? .......S llt~lOlbewllhiniDllnlmcDtlPdKkDDwkdJOdtbll .
eMCIIelItIla_forlhlpilllpOlD"~.
IN WITHBSS WHBUOP,I MlwDIo_my bmd IDd ofDciII~'
My~D&~: .
. ,.'~~i,~r.~~~~ .:,~ --z>>/ ./
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EXIIIBIT A
;.LL TIlA.T ""RraL OF UPlD I~ TOWNUIP 011 WUT ",",'1010, CUMlZJU.AND COtr.4'TV, fTATE
01' ,.EIOiIIYL'YA!fIA, AI MORE ""-LY DUC&laI:II lit IJaaI aoox '''r, FA"'. flf.lltl
""'...1.....1, IIING KNoWN AND DUIOICATU AI CONTA~G.m ACUI UCLt!1IYJ:
0.. DIllICATlJIJ RlGlITor "AV. D1f1'c;t.OT, AI DOWN OKTH PULDIlMUY.PrNAI.
IUIDIVlSlON ro. ,aD C. C1fhTJntT, nLD IN ,LA." molt Jr, PAeI'U2 Mint .4.HI1
IQUNDI nOlllTV .
DUD nOM IIIALE I.. 'I.D AND ".\HIT mill. BII WId A11l&f POJn'B IN DID lOOK
,......,,.. nt DATU NIIIn,u AHD RlCORDD N/tIIl1tu. ctfM.IlIlU.lO C01JNTY
UCOU', CO..HOnu,LTIl rn l'ZlfNnLV.UflA.
/"
r-
.oouK1615 rICE f;57
Slll\~OIPennllY\vl'lnill)
Cnun\yd CIIMl:l'!:~:':m! , ,
r."~'_:1r ,~d IC.lU'h~ C'm"l' fCll II.,:". N'I:-,'c~J.i~Il}t 1) .r",'
, .\5'....... ".".,.~~
~;',"'~,:,'~J.- ,'.~ 00
c;,,,,~:'e!~~
.-
r
'" Seltkinent Sta1
lent
u.s. Department of Housing and Urban Developmenl
BT,meolloan . OM8 No. 2502-0265 REV. HUD-tIJ/BB\ FINAL
I OFHA 2: DFmHA lOConv,Unins. I 6. File NUffiber 17,LoanNumbef 18. Morlgage 1115lJlanCeCase Number
4 ~VA 5 nConv Ins ST2004.160RCS 2004001245
~!~~,~" ';':,~~ " o give u saama u. . . ~~~!plI ,:~...':y ami:~ anal \ ITitleExpress Selllemenl System
c. Nol.:: uams marked "II>" ~)" wlrl pillO OUllllW the olDllng, thay ara .tlown hare for inlarmaUo(1 purpCI.as and ~'a 0101 dad, In lha 101 .
WARNING- Ii " a crime 10 knowinglV make lal" .lalemanls 10 !he Umled SlalU Olllh.. ~ W1~Olhar s,m"'~ foma ~ana~'a. upon Pfinled06/18/2004 al10:21 KlL
oomicll<>l ~l ino;hJda I '~a and ~~..onm.n( Fa( delaols 'all. Tllll 18 U. S Cooa SaGIIOIll 1 ""0 Slcllon 1 1
D. NAME OF BORROWER: Barry L. Shughart and Susan L. Shughart
ADDRESS:
E. NAME OF SELLER: Jacques D. Carter and Kimberly S. Carter
ADDRESS: Gateway Funding Diversified Mortgage Services, L.P.
F, NAME OF LENDER:
ADDRESS 500 Office Center Dr. Suite 3 Fort Washinoton, PA 19034
G. PROPERTY ADDRESS: 17 Hilltop Lana, Newville, PA 17241
West Pennsboro Townshio
H. SETTLEMENT AGENT: Saidls, Shuff, Flower & Lindsay, Telephone: 717.243.6222 Fax: 717.243-6486
PLACE OF SETTLEMENT 26 West HIQh Street, Carlisle, PA 17013
L SETTLEMENT DATE 06/18/2004 K. SUMMARY OF SELLER'S TRANSACTION:
J. SUMMARY OF BORROWER'S TRANSACTION~
100. GROSS AMOUNT DUE FROM BORROWER 400. GROSS AMOUNT DUE TO SELLER
101. Conlracl sales orice 141000.00 401 Conlracl sales orice 141000.00
102 PersonalPrnnertv 402 PersonalProoo!1v
103. Seltlemenl charoes 10 DOrfOWef line 1400) 11670.48 403
'04 404.
105 405
Adiuslmenls lor ilems paid by seller in advance Adjustments for ilems Daid bv seller in advance
107 Counlvlaxes 06/181041012/31/04 152.68 407. Counlvlaxes 06/181041012/31/04 152.68
106 School Taxes 06/18/041006130/04 43.2S 406 School Taxes 06/18/041006/30/04 43.21
109 409.
110. 410.
111 411.
112. 412,
120. GROSS AMOUNT DUE FROM BORROWER 152866.45 420. GROSS AMOUNT DUE TO SELLER 141195.11
200. AMOUNTS PAID BY OR ON BEHALF OF BORROWER 500. REDUCTIONS IN AMOUNT DUE TO SELLER
201, Deoosit or earnest monev 1000.00 501 Excess Oeooslllsee inslruelioos
202 Prineinalamounlolnewloans 145 650.00 502. Selllemenlcharnesloseller line 1400 12422.27
203 Exislinoloanlsllakensubiecllo SOl Exisbno loanlsllaken sub-eel to
204. 504, Pavo" 01 Firsl Morln::llleloan 11427.11
GMAC Mortaaae CorD of PA
205 505 Pavo" of Second Mortoaoeloan 37346.51
Dilech.com
206. 506.
207. 50)
206 506.
209. 509.
Adlustments for Items uncaid b seller Adlustments for Items unnald bv seller
213 513,
214. 514,
215. 515.
216. 516.
217. 517.
218. 5i8.
219 519. ,
2211. TOTAL PAlO BY/FOR BORROWER 146650.00 520. TOTAL REDUCTION AMOUNT DUE SELLER 141195.17
300. CASH AT SETTLEMENT FROM OR TO BORROWER 600. CASH AT SETTLEMENT TO OR FROM SELLER .
301 Gross amounldue from barrower lina120\ 1~6.45 601 Gross amounldue 10 seller line420 141195.97
302 LessamOlJnlsnaidbvlforborrower line 220\ 146650.00 602 Less reduclion amount due seller line 520\ 141115.91
\
303. CASH FROM BORROWER 6216.45 603. CASH TO SELLER O.OC
SUIISTITUTf fORM lC1lli SEllER STATEMENT: The IntClfmallon CQOlllnedhlrli(1 I. mp<l!lill1lla. WcrmaUon and ;abaing 1,"",~ld 10 1hI1ll1amal Rlvanva SlfYicI Ir yQU.... raqvirad 10 r~.. f1Ilvm
~,~I:~t"':'~.C':~~':I:~lh:G~~~;';.~':a:,,~~dl,'::!.r:h~lhiI ~Im ;ll1lljUnd (a ba r8j><1rtea and IhIIIRS delermlna.lhal ~ hit MI bean reparlaa Ttw COnlracl Sal". Pnca duc,.,.d on '
~~~~f,,'~:~~~,~~~?N:..n~ ~i~=: :;::rt ;':~l~5r.~:~~=::b ~'Ft~~~b~lI, Sa" or bchllog" or Pllncipal R..idanca, r", an1l1aill, w~h)'Our Incama la" ralufn: r", olhar lfanlaClion..
~~~, r~:a~ ~1:a,)~:r;:i1U;: ~I~~II:~:I~:I (~:CIT:; :;I~:: UMarp~IllIl" or pa}J~~ l::lI~~~I~~=::a'=:~~~~:':~I~~~~~';;.i1~~~I/I~c~r~J~~~lIcal""
""
SElLER(SlSIGN....TURE(Sl
SEllER(S)NEWMAllING....ODRES5:
EXHIBIT "B"
,.
Ub. DEPARTMENT OF Hr' "'NG AND URBAN DEVELOPMENT
5E:.'l'TLEMENT 5T A lENT
-II;, Number: 512004-160
5
FINAL PAGE:
061812004 021 KL
. REV, HUD-1 /3/86\ JExnressSelllement:-;vstem Printed 1 all l
L SETTLEMENT CHARGE! PAID FROM PAID FROM
700 TOTAL SALES/BROKER'S COMMISSION based on nrice $141 000.00 1lil4.960 - 6 994.27 BORROWER'S SELLER'S
Division of commission llina 700\ as follows: FUNDS AT FUNDS AT
701 . 4205.00 to Ebener & Associates SETTLEMENT SETTLEMENT
702. s 2788.27 to Ramax Sterllno
703. Commission naid at Setllemenl 6994.2:
800. ITEMS PAYABLE IN CONNECTION WITH LOAN
801, LoanOri inationFee %
802. loan OiSCOlJnI % Gatewav Fundino Diversllled Mortoaoa Sarvl LR 1456.50
803 AnnraisalFeEl
804. CreditReoort
805 AnnlicationFee 10 Galewa\l Fundino Divarslfled Mortaa~e Servl IP.O.C.1325.00 Buv",
806 Doc Prell 10 Gatewav Fundlm:1 Diversified Mort~aQe Servi LR 18500
1107 UnderwrilinnFee 10 Gatewa\l Fundina Diversified Mortoao8 Sarvl LR 75.00
808 ExoressMaiUCOI.uierFee 10 First Amedcan Flood LR 35.00
809 LPReviewFee to Gatewav Fundlno Diversified Mortoaae Servt LR 20.00
810 VAFundinnfeeCash III Gatewav Fundinn Diversified MortaaCle Servl LR 3.00
811 Flood Cerl III First American Flood LR 17.50
900, ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE
901. Inlelest From 06118/20041007/0112004 m>' 25.9377 Idav 13Davs LR 337.19
902. MorlnaneJnsurancePremium for 10
903. Hazard Insllrance Premium for 10
904 VAFllodinaFee to Gatewav Funding Diversified Mortgage Servl LR 4650.00
905. Tax Service Fee 10 Gatewav Fundina Dlversilied Mortaaae Servi LR 81.00
1000. RESERVES DEPOSITED WITH LENDER FOR
1001, Hazard Insurance 4 mo. 0)$ 22.08/mo LR 88,32
1002, Mooaaoelnsurallce mo. lID S lmo
1003. City Pronertv Tax mO,1ii)$. Imo
1004, Countv Prooer1v Tax 7 mo_lfill 23.57/mo LR 164.99
1005. Schoot Taxes 13mo,l1il$ 101.301mo LR 1316.90
1009, Annrenale Analvsis Adjuslment 10 Gatewav Fundino Diversified Mort!laae Servi LR .207.67
1100. TITLE CHARGES
1101. 5elUemenl orclosillo lee
1102. Abslracl or lille search
1103. Tllleexamination
1104. Tille insuraoce binder
1105. Documenl reoaralion
1106, Nolal'\' Fees 10 Saldli Shuff Flower & Llndsav 14.00 4.01
1107, AlIomev'sfees 10 Salzmann Huahes & Fishman 200.01
/incllldes above ilems No:
1108. Titlelnsllrance 10 ACCP Inc. 1088.75
includes aooveilems NQ: .
1109. Lender'sPolicv 145650,00 .25.00
1110, Owner'sPoIic 141 000.00 -1 063.75
1111. End 100 End 300 End 900 10 ACCP Inc. 150.00
1112.
1113. CloslnoServiceleller 10 ACCP Inc. 35.00
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Recordino Fees Deed !lI38.50 . Morloaoe$66.50 : Release ~ 105.00
1202. Cilv/Counlvtax!slamlls Deed'1410.00 'Morloaoe$ 1410.00
12{\3. SlalaTax/slamos Deed ~1410.00 Morloane~ , 1410.01
1204. SalofDlTechMln to Recorder 01 Deeds 27.01
1205
1300. ADDITIONAL SETTLEMENT CHARGES
1301. WalerCert/S slem 10 Uooermans Water Treatment . 500.00 560.01
1302, PeSlinsneclion 10 South Central PA Home Insoection .50.00
1303. Seelic 10 D.E.W. & Sons 95.00 3187.01
13Q.4, O~eminhl Pk IPavoff 10 Saldls Shuff Flower & Llndsav 40.01
1305
1306.
1307.
130B.
1400, TOTAL SETTLEMENT CHARGES tenleron Ilnes 103 SecUonJ and 502 SeclionKl 11670.48 12422.2:
HUOCERnFICAnONOFIIUYERANOSEl~ER
~11a~: ~~~Ji~~.~~~8~~~~o.:a~ild~~Z';i':8~.~p~ W'~H~~\ c~~la~~~I~~w;:r"af, ~ I~ e lrue 11'\0 accurela OUlllilmefll Of 1II111i1<:aip1S afllldisbulsam8lll. made On my 1l'l:CWl1 cr by ma
7 ..
. . I $~.<><.~ L,S:;., Z~
. ;:'U5an~.~nugnan tl -
J~~\90 'to~L ~L.~ S" (L
WARHltlG; IT IS ACRlMe TO KNOWINGI. Y MAKE FALSe STATeMENTS TO THE
g~:Jr~c~Lt1El ~~~WD~t~I~~~~'t:rF~~rD~~~~~T~EE~ ~ft~ ~fNVICTION
U_SCODESECTION1001ANOSeCTIONlOlO
Th. H .111.Uk""8lll SI.I.m8ll1..hO:lllh.~.Jl(apar.~I..II\J. In~lOCCIJr.l. .occunlcflll..lranIIOli<>n
,,'"~' ..'''te':;;'"'''' c;;;;;r'&;"fK'j:-:;
'06/16/200415:05 pn 12'-'1475209
,
Glue MORTGAI''''
14J003
,
,
,
~..r;>3~'
.. -",~
JUNE 16. W04
~: 81200,62084661001
SUIJECl: 17 HILLTOP LP.NE. NEWVlllE, FA 17241
)J\.C:QUES D CJI.RTER
KIUBRRl I! S, CARTER
ele, SlliZ'I1?NN, HUGHES & FISHMAN
95 ,'Jam' <I Spring Road, S1Jit< 3
Car\isle, Pi, 17013
Dc;,cM.r. 8: l\,1r:i. Carter:
Thi: is '[Q ~ jv'ise you that DlTECF-LCOM agrc.c:.s to n::le:ase it(; stcuriry interest in the ~bove meutioned plOpc::rty
upa J. rtcti", It of certified fuDds in ilie minimum nmoum of $37;346_51. This offer will re.ID..llin ope.n until JUNE
1 B, :!004, fHE CERTIFIED CHECK MUST BE RECEIVED BY DITECH. COM ON OR BEFORE
JUNE 21, 20M,
nm CLDSlNG AGENT IS R.EQU1RED TO CONTACT OUR OFFICE ON THE DATE Of
SE', TIEl> ENT TO CONFIR},.J HO\X1 AND WHEN FUNDS .ARE TO BE FORW.>Jli)ED TO OUR
OHICE,
D'E SIG.IJED HUD.' MUST BE lNQUDED WIJH mE PAYOFF. A COPY OF THE CHECK H!JD.,
A]\'D OVJ ,RNIGHT AlRBlLLMl'ST BE FA1J3D AT TI-IE SAME TIME TO 215-902-8924,
Pbie not, thar <hi, .ddendu1ll must be signed :l!ld returned to my attention by JUNE 21. 2004 or this
'AgI,::cment l:i void.
,
Sin'7'
b,f1~~~
L;::~~ciCi
~:QtJE~ D, CARTER
s:t
,/
....
L,(( S/OL(
DATE
L~h't!ULI
DATE
DATE
j
08/18/2004 15:05 FAX 12n"475209
I
GMAC MORTGAf;E
fitJ002
d~OIn
~1ri'rb-
M'.S 16, ,004
JACQUES D. CARTER
KIMBERL {S. CARTER
clo :;Al2)1. ANN, HUGHES 8< FISHMAN
95 ,:Jexano';r Spring Road, Suite 3
Curli,k PI. 170B
RE:
DITECH.COM#
G MAC MORTGAGE #
Poperty Address
81200162084661001
652132284
17 Hilltop Lane, Newville, PA 17241
De~' Mr. al d Mrs. Caner:
Thi;: leue, \ iil! se",e 10 address the recent offer received on ,he above referenced propelI)' (subject propelI)').
Dll'ECH.C .)]\0{ is prepared to aecep' the offer in question ss full satisfaction of the CUffem debt. and will rei esse the
lie.n on the.; ubject property iflhe following couditions arc met
1. DIlEI :H.COM rec~ives minimum net 'Proceeds of$3i,346.51 based on a sal~ 'PfiCI; minimum of$141,OOO.OO.
Pr01;Ct d5 arc to be Q15bur.scd via certified funds.
2. Nct pI lceeds, mm 1 Settlement Statement, Sellerls forwarding address and a new Unsecured Note are due in our
office .vi.thin 24 hours of closing, or by the next business day.
3. DITE, :H.COM receives, prior to the closing, full disclosmes afany and all affiliations that may exirtberween
the BU:fe.rs, Se.llers, Realtors, Escrow Agents, Attorneys, or any other parties involved in the sales transaction.
4. Proof 'Of GlVlAC MORTGAGE payoff. SODd a copy of the payoff chock.
5. Seiler; SIC to net zero. Any funds left over will be forwarded to DITECH.COM in addition to the $37,346.5 1.
6. Bllyc:r 135 be~n prc.approved for applicable financing.
7. The B.B reern.ent is not contingrnt upon any other tenus or conditions that may accompany the pending offer.
B. Closin ~ of escrow shaH occw on or betbre JUNE 18,2004.
9. The sa c is to be: f'AS rs" with no alterations, repairs1 improvements andlor credits, Buyer to asaumc ell
respOll ~ibility for work that may bl; dc~med n;:cessary by Buyer!s investigations and/or reports.
(D. Per Di:m interest will be usGessed if the above rc:quircment6 aTC Dot mot
11. Mr. & [Virs. Carter egree [0 pay off the remaining balance of the loan thrOUgll e. new unsecured note.. The. terms
shell b'" $3,60545 .t 7 percent per annum; Fl"t payment oU76.54 i, duo on AUGUST 1, 2004, \Vllh. malllrJly
do" 01 lUL y ],2009.
Plc,,!e note tbat the above referenced of(er Is tlnal, It 15 agreed that any pending sale agreement is contingent
upton your \CCept8.Dce of tblo! above noted conditions. In addition, cbarges resulting from your effortS to comply
widl tht!:;e .:onditions will have DO impact 00 the minimum tot.lll n:CQvery of $37,346,51 required by
DIl.ECH.( OM
Ple.u,e ackn )wledge your acceptance Qfthese conditions with your signature be.low and have. this fonn notarized.
Pltl:lse 1l0'~ fhelr this is an a"emptlO collect a dt:lht l1ud -'l.ny inftJrmalion obltlitltJd wilt be used/or Ihafpurp05t.
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J~J\CUL
JAC'XUi!S. 1 CARTER
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iVn-"ARY
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Date 1
cp/rdt)L/
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/ NOTAHIAL SEAL
RENEE L MURRAY, Notary Public
Car)!.llJe Bom. ClIIllb,..ls"d County, PA
My JJmrnlsslo~1 b(lljf;'~~', I).;,,: -,:::t .,1nl\.a:;,
.
NOTICE TO RECORD MORTGAGE SATISFACTION PIECE TO AVOID PENAL TV
Date of Notice: June I f',2004
To the mOl1gagee named below:
The party issuing this notice believes that the mortgagee of the m0l1gage described below has received
full satisfaction and payment of all amounts secured hy the mortgage, including any applicable
satisfaction fee, and that, where applicable, the mOl1gagee has been instructed in writing. effective as of
the date and time of receipt of the mOl1gage payoff figure. to close and decline any further advances on
any open line of credit that was secured by the affected mortgage. The pal1y issuing this notice hereby
requests that that mortgagee issue and present for recording a satisfaction piece concerning the mortgage
or provide a satisfactory reason why tile mortgage should not besatisfiecl to the party issuing this notice.
If you do not comply with this notice, you may be li"b!" Ii)!' penalties and costs in accordance with the act
of December 9,2002 (P.L. 1530, No, 197), knllwn as th" Mortgage Satisfaction Act, or the party issuing
this notice may be able to satisfy the mortgage without your consent.
Name of mortgagor:
Jacques D. Carter and Kimberly S. Carter
Name of I11Otigagee:
Address of m0l1gagor:
Ditech.=n ATIN; Kim G. I"'''Yer, c:MI\C 4 Coqxrrate Drive
Seute 300 Shelta1, cr 06484
Name of last assignee: n/a
Date of mortgage: 5/3/00
Amount of mortgage: $40,000.00
Recorded in Cumberland County, Pennsylvania on 6/1 100 in Mortgage Book 16\ 5. Page 852.
Brief description of premises covered by mortgage: 17 Hilltop Lane, Newville, PA 17241West
Pennshoro Township, Newville, Cnmherland County, Pennsylvania
lVlortgagee loan number (if known): 82200t62084661001
Amount of payoff per attached statement: $ 37,346.51
r HEREBY AU~HORlzg AND DTREeT THj MORTGA~E DE CLOSEn ANn SATISFIED.
~" ~l \Y~ ' CfL ~ S LL1CtD-
, acq" s D. Carter /' Kimbel'l S. Carter
Name of party presenting this notice: ( .." ~ Uk . /b.J '(:Yv~tJ;L tttl
-Rob Ii . Sal Is./Esq. )
Address of party presenting this notice: 26 West High Street
Carlisle, PA 17013
Telephone number of party presenting this notice: Telephone: 717-243-6222 Fax; 717-243-6486
File No ST1004-160RCS
EXHIBIT .. nil
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OBERMAYER REBMANN MAXWELL & HIPPEL LLP
By: Kevin J. Kehner, Esquire
Kellie M. MacCready, Esquire
Identification No.: 33539 and 94667
200 Locust Street, Suite 400
Harrisburg, PA 17101
(717) 234-9730
Attorneys for Defendant, GMAC Mortgage Corporation, d/b/a ditech.com.
Plaintiff
Court of Common Pleas
Cumberland County,
Pennsylvania
Kimberly S. Carter
v.
No. 06-3293 Civil Term
GMAC Mortgage Corporation
d/b/a ditech.com
Civil Action - Law
Defendant
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter our appearance on behalf of Defendant, GMAC Mortgage Corporation,
d/b/a ditech.com, with regard to the above-captioned matter.
OBERMA YER REBMANN MAXWELL & RIPPEL LLP
By:
~~--
Kevin J. ehner, Esquire
Kellie M. MacCready, Esquire
Counsel for Defendant
Date: July 27,2006
4067171
f "
CERTIFICATE OF SERVICE
I, KEVIN J. KERNER, Esquire, hereby certify that on July 27,2006, I caused to be served a true
and correct copy of the foregoing Entry of Appearance on behalf of Defendant, by United States
mail, first-class postage prepaid, upon the following counsel:
Suzanne C. Hixenbaugh, Esquire
Law Offices of Saidis, Flower & Lindsay
26 West High Street
Carlisle, P A 17013
OBERMA YER REBMANN MAXWELL &
HIPPEL LLP
BY: ~40--
KEVIN . KERNER, ESQUIRE
4067171
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SAlOIS,
FI.OWER &
LINDSAY
~AJ'.lAW
26 West High Street
Carlisle. PA
KIMBERLY S. CARTER,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
NO. 06-3293 Civil Term
GMAC Mortgage Corporation
d/b/a ditech.com,
Defendant
CIVIL ACTION - LAW
PRAECIPE
TO THE PROTHONOTARY:
Please mark the above captioned Action settled, discontinued and ended with prejudice.
Date?!!" Ji 21fi1
l 1
bert . Saidis, Esquire
PA Supreme Court ill No. 21458
Saidis, Flower & Lindsay
Attorneys for Plaintiff
26 West High Street
Carlisle, P A 17013
(717) 243-6222
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