HomeMy WebLinkAbout94-02237
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HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
.
.
Plaintiff,
CIVIL ACTION - LAW
vs.
.
.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
: NO.: 94-2237 Civil Term
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF NON-MILITARY SERVICE
BEFORE ME, a Notary Public, personally appeared ROBERT E.
MYERS, Attorney for Harris Savings Bank, the Plaintiff in the
above-entitled case, who being duly sworn or affirmed according to
law deposes and says that the Defendants or Respondents above-
named are not in the military service of the United States of
America; that he has personal knowledge that the said Defendants
or Respondents are now living at 922 Bonny Lane, Mechanicsburg,
Hampden Township, Cumberland County, Pennsylvania, 17055, and were
last k~own employed at or by as follows:
Jeff D. Sealover: Self-Employed Contractor
3810 Market Street
Camp Hill, PA 17011
Melissa L. Sealover: Unknown
<<~S,
ESQUIRE
~~~ and subscrib~ to before
day of Lk" L L
'-- / / -tr/i/' the) 0
~U.t.tJgt " ~/..:J)L'
NOTARY PUBLI
My Commission Expires:
me this
, 1994.
NolanaJ Seal
~~'ti.J.~~
My CommSSlOn ~ Juno 9. 1996
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HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 Civil Term
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF YORK
Personally appeared before me, the undersigned officer, a
Notary Public, Lisa M. Ledebohm, who after being duly sworn
according to law deposes and says that on # ~ /I , 1994
she caused the within Amended Notice to Lie Ho ders to be mailed
by U.S. regular mail, first class, postage prepaid, by properly
addressed envelope, certificate of mailing being attached hereto,
and no envelope having been returned, as follows to the following
lienholders:
Universal Suppliers, Inc.
P. O. Box 327
R. D. III
Selinsgrove, PA 17870
Truss-Tech
504 Railroad Avenue
Box Q
Mifflin, PA 17058
'.'..'
Truss-Tech
504 Railroad Avenue <..-::-.
Box Q r,
~lifflin, PA 17058
~
Truss-Tech -':)
:.;.;.:..
504 Railroad Avenue <.t'
Box Q .z;..
Hifflin, PA 17058
H S service Corporation
Second and Pine Streets
Harrisburg, PA 17101
A copy of the said Notice
~ienholders is attached hereto.
,~Hd fJl l~rUjrr:>W
LISA M. LEDEBOHM
Subscribed and sworn to before me,
th ndersigned Not ry Public, this
. daY'Jl ' , 1994.
0./A./- r/.
NOTARY PUBL
t4y Commission Expires: -r4-11
Notarial Se.1
Cheryl A. WlId.y. NoIaIY PublIc
Lower Sw.tara TwP" Dauphin County
My CommIssIOn Explr81 March 14, 1998
""""",,, Pemsyt.1Wia AaIod*X1 01 NalnI
HARRIS SAVINGS BANK,
: IN THE COURT OF COMl-ION PLEAS
: CUNBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEAL OVER and MELISSA L.
SEALOVER, his wife
NO.: 94-2237 Civil Term
:
Defendants.
IN MORTGAGE FORECLOSURE
AMENDED NOTICE TO LIEN HOLDERS PURSUANT
TO PA.R.C.P. NO. 3129
NOTICE IS HEREBY GIVEN to the following parties who hold one
or more mortgage, judgment, secured transaction or tax liens
against the real estate of JEFF D. SEALOVER and MELISSA L.
SEALOVER.
LIEN HOLDERS AND ADDRESSES:
Universal Suppliers, Inc.
P. O. Box 327
R. D. #l
Se1insgrove, PA 17870
Judgment
Entered: 2/1/93
3811 Civil 1993
$20,024.58
Truss-Tech
504 Railroad Avenue
Box Q
Mifflin, PA 17058
Judgement
Entered: 3/29/94
1548-94
$4,272.59
Truss-Tech
504 Railroad Avenue
Box Q
Mifflin, PA 17058
Judgement
Entered: 3/29/94
1549
$6,379.92
Truss-Tech
504 Railroad Avenue
Box Q
Mifflin, PA 17058
Judgement
Entered: 3/29/94
1550-94
$7,022.02
~
,
,
Harris Savings Bank
Second and pine Streets
Harrisburg, PA 17101
H S Service Corporation
Second and Pine Streets
Harrisburg, PA 17101
Mtg. Dated: 1/16/92
Mtg. Recorded: 1/17/92
Mtg. Book 1043, Page 392
Mortgage Rerecorded as follows:
Mtg. Dated: 1/16/93
Mtg. Recorded: 6/22/93
Mtg. Book 1074, Page 192
$102,000.00
Cumberland County
Mtg. Dated: 1/8/90
Mtg. Recorded: 1/10/90
Mtg. Book 963, Page 977
$25,000.00
Cumberland County
Mortgage Subordination filed 4/8/93
in Book 410, Page 1173 in favor of
Mortgage at Book 1043, Page 392.
You are hereby notified that on Wednesday, September 7, 1994,
at 10:00 a.m., prevailing time, by virtue of a Writ of Execution
issued out of the Court of Common Pleas of Cumberland County,
Pennsylvania, on the judgment of Harris Savings Bank vs. Jeff D.
Sealover and Melissa L. Sealover, No. 94-2237 civil Term, the
Sheriff of Cumberland County, Pennsylvania, will expose at Public
Sale in the Commissioner's Hearing Room, Second Floor, new Court
House, Corner of Hanover and High Streets, City of Carlisle, County
of Cumberland, Pennsylvania, real estate of Jeff D. Sea 1 over and
Melissa L. Sealover, known and numbered as 6107 Locust Lane,
Mechanicsburg, Pennsylvania, 17055. A description of said real
estate is hereto attached.
You are further notified that a Schedule of Proposed
Distribution will be filed by the Sheriff of Cumberland County on
or about October 7, 1994, and distribution will be made in
accordance with the Schedule unless exceptions are filed thereto
within ten (10) days thereafter.
You are further notified that the lien you hold against said
real estate will be divested by the sale and that you have an
opportunity to protect your interest, if any, by being notified of
said Sheriff's Sale.
DATED: July 8' , 1994
0/~~
RO~Rn: MyI;:RS, ESQUIRE
Attorney for Plaintiff
100 York Road
New Cumberland, PA 17070
(717) 774-3163
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
situate in Hampden
more particularly
LEGAL DESCRIPTION
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left wi,th a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line between Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds West a distance of 100.00
feet to a point on the South side of Locust Lane, the point and
place of BEGINNING.
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Misc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "Aft
P TAL (AVICE T I
".Y ., USED FOR OO"'SlIC F MAILING
PROVIDE FOR INSURANCE PO:~~~::~NA TlONAL MArL. aOES NOT
R'C"'f'ed Fro,"
ROBERT E. MYERS
ATTORNEY AT LAII
100 York Road
Hew ~umbe~laAd. PA 17070
. On. piece of ordln.,v m.d 'ddr...ed 10.
UNIVERSAL SUPPLIERS.
P. O. Box 327
INC.
R nUl
rove PA
PS Form 3817. Mar, 1989
17870
aU... GPO:l"l..J124OS1'14JO
. PO TAL 'RVIC' CERTI I ATE F MAILING
MAV DE USlO FOR DOMESTIC AND INTERNATIONAL MAil. DOES NOT
PROVIDE FOR INSURANCE -POSTMASTER
R.c.,v.d from:
-;
ROBERT E. MYERS
ATTORNEY AT LAII
100 York Road
Naw Cu~berlpnd. ?A 17070
OM plec. 01 grdlnllv me" .ddrltued 10
TRUSS - TECH
504 Railroad Avenue
Rn"O
Mifflin PA 17058
PS Form 3817. Mar, 1989
-u.s. GPO:I"I.JU<IOS/II4.JO
"'-"""'~-l~'';-':''--''
U.S. POSTA' S'RVIC' CERTIFICATE OF MAILING
MAY DE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOT
PROVIDE FOR INSURANCE POSTMASTER
Received From:
ROBERT E. MYERS
ATTORNEY AT LAW
100 York Road
Naw CulllbarlaAd. R4, 17070
One piece of ordinary mall addrened 10:
,
H S SERVICE CORPORATION
Second & Pine Streets
H~rri~rnlrg, p~ 17101
PS Form 3817. Mar, 1989
.U.s.O'O:.....J124051'..JO
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Writ No. 94-2237 Civil Term
R. Thomas Kline. Sheriff. who being duly sworn according to law,
says this writ is returned STAYED. Letter from attorney is hereto
attached.
Sheriff's costs.
Docketing
poundage
Pos ting Bills
Advertising
Law Library
County
Mileage
Cert Mail
postpone Sale
Levy
Surcharge
Law Journal
Patriot
Poster
Advance Costs
Sheriff's Costs
Refund to Atty.
22.00
13.02
9.00
9.00
.50
1.00
13.44
3.01
7.00
7.00
6.00
302.00
241. 00
30.93
664.90 Pd. by Atty. 9-8-94
$750.00
664.90
$ 85.10
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THIS WRIT IS RETURNED STAYED 9-8-94
So answ~~ ~~f(
~(h."-"."...~,, ~.:O-""~
. ,,:c::-t"
.
R. Thomas Kline. Sheriff
Sworn and subscribed to before me
day of J..,tJiZ-,..;:...........
I
~~L~ C, ~(......, "-~:..c;'
'Prothonotary .
this q ~
1994. A.D.
by Q
Ilf'lJ...Q~ () 9rl/Y)'l..-
Depu Sheriff
th.7.2'/1
~
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REAL Fsr, ~j ;: SALE No
. .
@~~n@m
On ~ 13. I 9 \' 'f the sherin levied upon the defendants
Interest in the real property situated in Jj(L "J' .it- JO"t-<">yR'I~'
CUilil.lsrland County, Pa.. \:.no.,"f1 FwJ i1Vr:i:.1t:iCd as: 1,/0 I ~rC.(~,-,..,:/a,,--,-
\')U~~
an,1 "-\or" fl" " ,:,., -,:'l -rl "" E' t'ibt't .. 1\" fl'led with
IJ" . v 1....ll; \1:, '..\\.t: .:t'\1 ""I A 10 "
this writ and by this rGlercnce incol'9oratc.:d hereto.
Date: (, ,,:3. i 'f
By: (LL/'l,~ ,g. a&, .Y)o<.o..
13-.1.. .Ld- Ji}--rf7r
, ,
.,
,/. /'" ,. J, r /I:nr
~'.i'I. .
... ;...04,;H)
W1UT OF EXro1l'ION and/or ATTAOM::m'
CCMM)M'IEAL'lll OF PENNSYLVANIA)
COUNI'Y OF CtMBERLAND )
No.
94-2237 Civil Term
CIVIL 19
CIVIL ACTION - LAW
ro THE SHERI IT OF
CUMBERLAND
COUNI'Y .
To satisfy the debt, interest and costs due Harris Savings Bank
PLAINTIFF(S)
from Jeff D. and Melissa L. Sealover, 922 bonny Lane, Mechanicsburg
PA 17055.
DEFENDANT(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell_
6107 Locust Lane. Mechanisburg PA 17055 (See Attached Legal Description)
(2) You are also directed to attach the property of the defendant(s) not levied upon in
the possession of
GARNISHEE( S) as follows.
and to notify the garnishee(s) that. (a) an attachment has been issued: (b) the
garnisbee(s) is/are enjoined from paying any debt to or for the account of the defendant(s)
and from delivering any property of the defendant(s) or otherwise disposing thereof:
(3) If property of the defendant(s) not levied upon and subject to attachment is found
in the possession of anyone other than a named garnishee, you are directed to not~fy
him/her that he/she has been added as a garnishee and is enjoined as above stated.
Arrount Due $113.737.83
Interest
Atty's Comn %
AttyPaid $100.16
Plaintiff Paid
L.L.
Due Prothy
Other Costs
$.50
$1. 00
DATE.
June 9. 1994
Lawrence E. Welker
by.
REQUESTING PARTY.
Name Robert E. Myers. Esq.
Address. 100 Old York Road
New Cumberland PA 17070
Plaintiff
Attorney for.
Telephone. ( 717) 774
3163
09729
Suprerre Court ID No.
,
HARRIS SAVINGS BANK,
: IN THE COURT OF COMHON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
.
.
plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 Civil Term
Defendants.
IN MORTGAGE FORECLOSURE
NOTICE OF SHERIPP'S SALE OF REAL ESTATE
UNDER PA.R.C.P. NO. 3129
TO: JEFF D. SEALOVER and MELISSA L. SEALOVER:
TAKE NOTICE TO THE FOLLOWING:
1. The premises which are subject to be sold at the
Sheriff's Sale in the above-captioned action is 6107 Locust Lane,
Mechanicsburg, Hampden Township, Cumberland County, Pennsylvania,
17055. A complete description is in Exhibit "A" which is attached
hereto and made a part hereof.
2. The improvements situate on the premises consist of a two
story detached brick and vinyl dwelling with an attached two car
garage.
3. The Judgment of the Court on which this sale is being
held is entered to No. 94-2237 Civil Term.
4. The names of the owners are: Jef f D. Sea10ver and
Melissa L. Sea1over, whose last known address is 922 Bonny Lane
Mechanicsburg, Cumberland County, Pennsylvania, 17055.
5. The time and place of the Sheriff's Sale is 10:00 a.m.,
prevailing local time, on the 7th day of September, 1994, in the
Commissioner's Hearing Room, Second Floor, new Court House, corner
of Hanover and High Streets, Carlisle, Pennsylvania, 17013.
6. If you have any questions concerning this Notice, you
should contact an attorney. If you cannot afford an attorney, you
should contact:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, Pennsylvania 17013
(717) 249-1133
7. A Schedule of Distribution being a list of the persons,
governmental, corporate entities or agencies being entitled to
receive part of the proceeds of sale executed to be disbursed by
the Sheriff will be filed by the Sheriff on a date specified by the
Sheriff not later than thirty (30) days after the Sheriff's Sale,
and that distribution will be within ten (10) days thereafter.
Information about the Schedule of Distribution may be obtained from
the Sheriff of the Court of Common Pleas of Cumberland County,
Pennsylvania, Cumberland County Court House, Carlisle,
Pennsylvania, 17013, (717) 249-1133.
8. In certain situations where the property is worth less
than the judgment and costs, Harris Savings Bank can obtain a
deficiency judgment upon which execution could again issue against
other property of the above Defendants.
9 . THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE
OF YOUR PROPERTY. It has been issued because there is a judgment
against you. It may cause your property to be sold or taken to pay
the judgment. You may have legal rights to prevent your property
from being taken. A lawyer can advise you more specifically of
these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET FREE LEGAL ADVICE:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
. .
10. THE LEGAL RIGHTS YOU MAY HAVE ARE:
A. You may file a Petition with the Court of Common
Pleas of Cumberland County to open the judgment if you have a
meritorious defense against the person or company that has entered
judgment against you. You may also file a Petition to Strike said
judgment with the same Court if you are aware of a legal defect in
the obligation or procedure used against you. You may also file
a Petition to Stay or Delay the Execution and the Sheriff's Sale
if you can show a defect in the Writ of Execution or service or
demonstrate any other legal or equitable rights.
B. After the Sheriff's Sale, you may file a Petition
with the Court of Common Pleas of Cumberland County to set aside
the sale for a grossly inadequate price or for other proper cause.
This Petition must be filed before the Sheriff's Deed is delivered.
C. A Petition or Petitions raising the legal issues or
rights mentioned in the preceding paragraphs must be presented to
the Court of Common Pleas of Cumberland County at one of the
Court's regularly scheduled business Court sessions. The Petition
should be served on the attorney for the creditor at least two (2)
business days before presentation to the Court, and a proposed
Order or Rule must be attached to the Petition. If a specific
return date is desired, such date must be obtained from the Court
Administrator's Office, 1 Court House Square; Fourth Floor,
Carlisle, Pennsylvania, 17013, before presentation of the Petition
to the Court.
D. You have certain legal exemptions from the Sheriff's
Sale which mayor may not apply.
DATED: June~, 1994
(k;- Lq--
ROBERT E. ~YERS, ESQUIRE
Attorney for Plaintiff
Swo~~and Subscribe to before me this
7-;u' J day of ~ , 1994.
~d~~~)J) )l~/~
NOTARY PUBLICI
My Commission Expires: .,
NoIarial&al
Katleer1 D~. ~PLbIc
F..........1'i.jl, 'lIlrI< CoirIy
MyConV1'llsslone.Ptes.M>o9.1996
'. .
LEGAL DESCRIPTION
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left with a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line, between Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds West a distance of 100.00
feet to a point on the South side of Locust Lane" the point and
place of BEGINNING.
situate in Hampden
more particularly
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Misc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "A"
. '.
HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 Civil Term
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF MORTGAGE FORECLOSURE
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF YORK )
PURSUANT TO Pa.R.C.P. No. 3129.1, the Plaintiff, HARRIS
SAVINGS BANK, by its Attorney, Robert E. Myers, Esquire, makes this
Affidavit that the last known address of the Defendants is as
follows: 922 Bonny Lane, Mechanicsburg, Pennsylvania, 17055.
Further deponent saith that the said address is believed to
be the last known address of the owners or reputed owners of the
said property levied upon in the within captioned matter. Further
deponent saith not.
~S' ESQUIRE
me this
, 1994.
My Commission
NolariaI Seal
KalI'lHn D. Snydor. NoIaIy Plbic
FlIiMew '\Wp.. Yol1< County
t.4yC"".ni'iOlOl\ExprusJono9,l996
,
HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
.
.
Plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
: NO.: 94-2237 civil Term
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT PURSUANT TO PA.R.C.P. NO. 3129.1
HARRIS SAVINGS BANK, the Plaintiff in the above action, sets
forth as of the date the Praecipe for Writ of Execution was filed,
the following information concerning the real property located at
6107 Locust Lane, Mechanicsburg, Hampden Township, Cumberland
County, Pennsylvania, 17055, more particularly set forth on Exhibit
"An attached hereto and made a part hereof by reference.
1. Names and addresses of Owners or Reputed Owners:
JEFF D. SEALOVER and MELISSA L. SEALOVER
922 Bonny Lane
Mechanicsburg, PA 17055
2. Names and addresses of Defendants in the Judgment:
JEFF D. SEALOVER and MELISSA L. SEALOVER
922 Bonny Lane
Mechanicsburg, PA 17055
3. Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Universal SUlJpliers, Inc. Judgment
P. o. Box 327 Entered: 2/1/93
R. D. U 3811 Civil 1993
Se1insgrove, PA 17870 $20,024.58
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1548-94
Mifflin, PA 17058 $4,272.59
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1549
Mifflin, PA 17058 $6,379.92
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1550-94
Mifflin, PA 17058 $7,022.02
4. Name and address of the last recorded holder of every
mortgage of record:
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
Mtg. Dated: 1/16/92
Mtg. Recorded: 1/17/92
Mtg. Book 1043, Page 392
$102,000.00
Cumberland County
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
Mtg. Dated: 1/8/90
Mtg. Recorded: 1/10/90
Mtg. Book 963, Page 977
$25,000.00
Cumberland County
5. Name and address of every other person who has any record
lien on their property:
None.
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
None.
7. Name and address of every other person of whom the
Plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
None.
I verify that the statements made in this Affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn
falsification to authorities.
DATED:
June f
, 1994
Yl.~. ESQUIRE
Attorney for Plaintiff
. .
LEGAL DESCRIPTION
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left wi~h a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line between Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds West a distance of 100.00
feet to a point on the South side of Locust Lane, the point and
place of BEGINNING.
si tuate in Hampden
more particularly
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed,.Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Misc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "A"
LaW OlIlcea 01
Robert E. Myers
100 Old York Roac1
N_ C\1rrll)erlcmc1. PA 17010
Tel. (7l7> 774-3163
rCllC (717) 714-3361
IlObtIt )l. MVOD
X<ld M. LecIAI>OllIn
August 4, 1994
Office of the Sheriff
Cumberland County
Cumberland county Court House
Carlisle, PA 17013
VIA FAX
Re: Sell lover Jeffrey D. , Melissa L. In Mortgage Foreclosure,
No. 2237 civil 1994
Dear pat,
The Writ of Execution in the above matter is hereby stayed.
Please stop all advertising in this matter. No money has been
collected from the above defendants. Please reimburse our office
with any overages or bill us for any amounts due and owing.
Very truly yours,
f<o&ud:'t ~
Robert E. Myers ~
REM/ll
20d
'eS3
SH3AW .LH3aOH.~
t"l d: .~ ~:
17 (I
176 '17CI 'eo
,
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 with the Court your defenses to the claims set forth
against you. You are warned that if you fail to do so the case you
proceed without you as 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. ~YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEP NE THE
OFFICE SET FORTH BELO\~ TO FIND OUT WHERE YOU CAN GET LEGA HELP.
Cumberland County Court Administrator's Office
Fourth Floor
1 Court House Square
Carlisle, PA 17013
Telephone No: 717-240-6200
,
COMPLAINT
1. The Plaintiff is HARRIS SAVINGS BANK, which formerly was
Harris Savings Association and formerly thereto The Harris Savings
Association, a corporation organized and existing under the laws
of the State of Pennsylvania and having its principal place of
business at Second and pine Streets, Harrisburg, Pennsylvania,
17101.
2. The Defendants are JEFF D. SEALOVER, an adult individual,
residing at 922 Bonny Lane, Mechanicsburg, Pennsylvania, 17055; and
MELISSA L. SEALOVER, an adult individual, residing at 922 Bonny
Lane, Mechanicsburg, Pennsylvania, 17055.
3. Defendants, on January 16, 1992, entered into a mortgage
loan indenture with HARRIS SAVINGS BANK in the principal amount of
ONE HUNDRED TWO THOUSAND DOLLARS and 00/100 ($102,000.00), the
terms of which loan are more specifically evidenced and set forth
in the mortgage indenture dated January 16, 1992, and recorded
January 17, 1992 in the Cumberland County Recorder's Office in
Mortgage Book 1043, Page 392, and which was re-recorded on June 22,
1992 in the Cumberland County Recorder's Office in Mortgage Book
1074, Page 192, a copy of which is attached hereto, marked Exhibit
,-
,
-1
I
I
~
"A", and made a part hereof by reference, which mortgage contains
and is a lien upon the property situate at 6107 Locust Lane,
Mechanicsburg, Hampden Township, Cumberland County, Pennsylvania,
17055, being improved upon with a dwelling.
4. Said loan was further evidenced and secured by a note
which accompanied said mortgage dated January 16, 1992, a copy of
6. The premises subject to said mortgage is more
which is attached hereto, marked Exhibit liB", and made a part
hereof by reference.
5. Harris Savings Bank, in consideration of the said
mortgage and accompanying note, advanced to Jeff D. Sea10ver and
Melissa L. Sea10ver, his wife, the sum of One Hundred Two Thousand
Dollars and 00/100 ($102,000.00).
specifically set forth in Exhibit "A", attached hereto and made a
part hereof by reference.
7. Jeff D. Sea10ver and Melissa L. Sea10ver, his wife, are
the sole owners of the said premises contained in said mortgage.,
8. Said mortgage and note have not been assigned in whole
or in part by the Plaintiff herein.
9. Jeff D. Sea10ver and Melissa L. Sea10ver, his wife, are
the record owners in fee simple of said premises by virtue of a
Deed dated August 16, 1989 and recorded in the Cumberland County
Recorder's Office in Deed Book 34-J, Page 27.
10. No judgment has previously been entered on said mortgage
or note in any jurisdiction, and said instruments are less than
twenty (20) years old.
11. The said mortgage is in default because Defendants herein
have failed to pay the monthly payment of $1,067.00 that was due
and owing for the months of January, February, March and April,
1994.
12. The Plaintiff has given to the Defendants written notice
of intention to foreclose on said mortgage as required by law under
Act 6, dated March 14, 1994, copies of which are marked Exhibit
"c" and Exhibit "D", and attached hereto and made a part hereof by
reference.
13. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
March 14, 1994, copies of which are marked Exhibit "D" and Exhibit
"E", and attached hereto and made a part hereof by reference.
14. The entire principal amount of One Hundred Two Thousand
Dollars and 00/100 ($102,000.00) has become due and payable,
together with interest at the rate of 9.25% per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said mortgage less such sums as have been paid on account of
principal of the said mortgage and costs.
15. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $5,195.00.
16. The Defendants are liable to the Plaintiff for interest
at the rate of 9.25% per annum, late charges, property taxes and
expenses as provided in and collectible under the mortgage
documents that will accrue until distribution by the Sheriff of
Cumberland County, Pennsylvania, to be computed at the time of
judgment in these proceedings in addition to the current loan
balance.
17. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A.
Principal amount and interest
due through 4/30/94:
Interest at 9.25% from 4/30/94
to 10/07/94:
$103,916.64
B.
C.
Late Charges:
$ 4,346.10
$ 280.09
$ 5,195.00
D.
Attorney's Collection Fee:
TOTAL:
$113,737.63
18. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the United States of America.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against the Defendants, Jeff D. Sea10ver and Melissa L. Sea10ver,
his wife, in personam on the Note in the amount of ONE HUNDRED
THIRTEEN THOUSAND SEVEN HUNDRED THIRTY-SEVEN DOLLARS and 83/100
($113,737.83), and in rem on the Mortgage for foreclosure and sale
of the mortgaged property, with damages in the said amount in each
case, together with additional interest thereon, costs and all
other amounts advanced by Plaintiff.
DATED: April 25, 1994
~QUIRE
100 York Road
New Cumberland, PA 17070
(717) 77 4-3163
Attorney I. D. No.: 09729
Attorney for Plaintiff
,.
COMMomiEALTH OF PENNSYLVANIA
)
)
)
SS:
COUNTY OF
I . .
I(Ut Ii/II'
PERSONALLY APPEARED before me, the undersigned officer, a
Notary Public in and for said County and State, Ronald G.
Kishbaugh, who being duly sworn according to law, deposes and says
that he is the Assistant Secretary/Operations Manager of Harris
Savings Bank and that he as such officer is authorized to make this
Affidavit on its behalf and that the facts set forth in the
foregoing Complaint are true and correct to the best of his
knowledge, information and belief.
~~h~
RONALD G. KISHBAUGH
(SEAL)
S~o~~~nd subscribedAto before
J L( . day of I i I [,I
, . 1 ' ~
') . (
NOTARY PUBLIC
me this
, 1994.
'\
.
.
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nus IS All AIl.IUSTAIlLE RAJ Kln E AU.OOllC FOR CImlES IN nm Nl'mlL 1
nmllEFORE CImlES IN~'bffl2'A~
TillS MORTGAGE ("SccuJi'tl"\lru,'nl~ l'll..n OJ' tl..u:.~,~?t~,~~,~,~,,,, .....1\1'....1'(....................... .
19 .?~..... . The mOttPlor ls .....~.......:...~~..C!~..~..~!'.....~....~~.~.........~~..~~~~.~.......~......."..................
.. ............. .......... ............. ("Borrower'. This Security In..rumen. illl\lcn 10........................................
M~~~,~..~~W~,~~8,,~~~."'l'li."r'p'.." "y'.."'.."".."....'.."....'..............J which I. orpnlzed and ..is.lnl
awdcr the 11.1 or .f?~i~'t~..~....'?....~!'.~~.~..'!~~.~~.. . and whOle addrnt il .~~~~.~...f.I!~..'.~!'.~..~~.r~.~~.~..........
"~~.~ .I,~~,~,~'", r.~,."",~"~~,.,.""".,.""""""""""..",.",.""."."",..,.,....,.",..",..,..,.,,..... ("Lender'.
BorroMt owtllcndrr the principal.urn or ........ .......... ~P.~. .~~.~~.~~.4.:n~'? .Th9.qM~.~. .4l'.4.~9J.~.q9....... ". .......
.................................... ........ DoUan (u.s. S .....~~~...Q~Q...~.... ). Thit debt I. evidenced by Bonowcr" note
dated the lime dale a.lhiJ Securil)' In'lrument (MNole', which rrovldc. ror monthl)' paymenu. with Ihe rull debl.lr nol paid
earlier. due and payabte on .............rr.br.uA".l...ZDll.................. .................... . Thl. Securily IAllrument
Kcurn 10 lender: (a) Ihe repayment or the debt evidenced b)' Ihe Note. with Intere.t, and all "newal., ulemloru and
modification. or the NOle; (b) Ihe payment or an other .um., wilh inlCretl, advlnctd under paralraph 7 to protCd the ICCUrily
or Ihls Sccuritr Inmumenl; and (c) the rcrrurmance or llcHrower'l connantt and lareements under Ihls SecurilY Inmument
and the Nole. ~r ~isnlrcaM:. 80uower don hereb)' mOrlaale,lranland convey 10 Lender Ihe rollowlnl deKribcd propen)'
localed In ......~.~.. .~............................................................ ...... .... ............ Counly. Pennaylvania:
HaRE PARTICULARLY OI8CRlBlD ON EXHIBIT "A" ATTACHED HERZTO AND IlA1lR PART NEREOr BY
RErEaaNCI.
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6107 Locult Lane
which ....th. add.... 01 ......................... .................................
17D55 .-.
Pennaylvania ................................ (MPro~ny Addrn.':
11.("-1
TOOETHER wrrlt alllhe Improvements now or heftlCler erec1ed on Ihe ~ropeny. Ind III UlCment., IppUnenanC'CI,
and nalure. now or herc.her a pari or Ihe flrof'(fly. All nptacements and addillons .han al.o be covered by thi. Security
Inllrumcnl. All or Ihe roreloin, is rdermJ to in Ihis Security Inllrumenl II Ihe MProf'(rty. M
BORROWER COVENANTS Ihat Borrower is lawfully ICIIed or Ihe catale hereby conveyed .00 hi. the riabtto
mortll.e.lrant and convey Ihe Propen)' .nd Ihlt the Ilrof'(rty is unencumbered, Uctpl ror encumbrancca or record. BOlrower
warnnt. and will ddend lenerally Ihe lille 10 the Properl)' .,.insl an claim. Ind demand., .uhjec1 to any encumbra"". or
ftnnd.
Hech.nlclbura
,.................ic.iil.........................,
THIS SECURITY INSTRUMENT combine. uniform covenlnU ror nalionll use Ind non-unirorm COWnlnl. with
limited "lrll,lon. by jurlsdiclion to conslilUle a unirorm ICturity Inllrumenl cowerlna real propeny.
bood lJ74 rAtE HJ2
PENNSYLVANIA-Single Famlly-'aMle ...."tIddIe..ac UHIPORIIIHIT..uIlIHT
t',iodlJ4:1 1.If, :W2
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'onn "'I
11IO
"""''''''''''
EXH!Rrr -,.-
UNIFORM COVENANTS. narrower and tender covenanl and "fee II (ollowI:
I. r'.'p',nl or Principal and In(tU,li 1"rp.,mrnl and ...1. Cha'ln, Itorrowcr .hall promplly pi)' when due the
princip.d of and iotrlca, 'Un Ihe debt c..-idem'cd by the Nole Ind In)' prcpil)'mcnl and laic char,cI due under the Hutt. .
1. .'undl rOf Taua and Imurann. SubJecl 10 .pplit.blt law or 10' wrilleR waiver by Lender. Borrower ,hall p')' 10
Lender on the dlY mUlllhl)' p.ymellll ,ue due umler Ihe Nule. untillhe Nole i. paW in Cull" lum l"l:und," (or: (Ill) )'ClII)' 'uca
and lucumcnll which ma)' alllm priofll)' over Ihi, SCl.:uril)' In,uumeRI",lieR on the ProperlY; tb) YCI,I).lc..chold p.ymen..
or 'fOUnd rcnll on Ihe l'roperIY,,( liP)'; Ic))'elul~ ha,.rd or propeflY imur.nce premium.; ILl) ye.rly noud intur.nc:e prcn:aium.,
if .nv; (e) yellrly morl'lIKe Imur.ncerremlullll,lf IIny; IInd (I) .n~ aurna pilyable by Dorro.....er 10 Lender. in accord.n..e With Ihe
provllioru of p.rlaraph at, in lieu 0 the pil)lment of mortlllle lRuu.nce premiunu. ThClc hema arc called "EKrow Ilema."
Lendcr may, al any lime, collecl ami hold FunLll in an amounl nol 10 caeeed Ihe muimum amounl a lender for I federally
relaleLl morlplle loan may 1C4uire for borrower'. e.crow IIccount under Ihe federal Rcall:lolale Selllemenll'u)Cedure. Atl of
1974 a..memled frum lime 10 lime, 12 U.S,t'. i 2601 tI Jtl/. ("RESI1Ai, unleu IInolhcr law Ihalapplie. to the Fund. KIa a
le'Kr amounl. II '0, Lender may, al any lime, collect and hold FunLl. in an amounl nol 10 caceed rhe In.er .mounl. Lender
may c.limale Ihe amount of l:unLl. due on Ihe bil,i. of ,urrenl dlla .nd rUlonable e.tiltlltCl of CIIpenLliturCl uf future ElCrow
Item. or olherwise in accoull,,"ce with applicable Law.
The Fund. .hall be held in 1111 imlilutiun whale deroail. arc in.ured by a fedcral a,eney, in.HumenlalilY, or enlily
(includin, Lender, if lender ia luch IIn in.lilulion) or in .ny :ederalllome Loan 'lank. Lender Ihllllapply Ihe Fund. 10 ~y Ihe
EKrow hem.. Lender m.y nol charlle Uorro\lier for holdinland applyin'lhe Fund., .nnu.lly anal)'lin~ Ihe ClcroW accounl, or
verifyinllhe ~row lIems, unle.. Lender pily.llurrower inlerell on Ihe "'umh and applicable I.w pernulllender 10 make .u,h
a charle. lIowe\'er. Lender may reqLiire 1I0rrower 10 PI)'. onc:-lime charae for an Independenl real e.lale In reportin, Krviee
ulCd by l.emJcr in -=unnC('liun \lllrith Ihis lOlli, unlen IiIppliClble law pro\'idCl olherwllC. Unle.. .n aareement il made or
applicable law requir" internt 10 be ('lIlil!, Lender 1111111 nol be required to pay horrower 1111)' inlerell or nmin,1 on Ihe fundi.
Dorrower and lender mllY .,ree in writini, howc\'er.lha' Inlerell.h.1I be paid un Ihe funds. lender atutllal\'e 10 Dorrower,
wilhoul charfe, an annuala"ounlinll of Ihe Fund., showinl "edir. and debit. 10 Ihe Fund. and Ihe purpolC for _hich each
debillo Ihe fundi Will made. The Fumb arc pledllcd .. addilionallCauil)' for allium. Kcured b)' Ihi. SerurilY InlUumtnl.
lithe Fundi held by tender caceed the amounll permilled 10 be held by .pplicable I.w. Lender .hall a"ount to
Borro""er for the uee.1o Fundi in Mccufd.nce wilh the fcquiremenl' of applicable I.w. If Ihe amounl of Ihe Fund. held by
tender al an)' lime il not luffi..ient 10 ray Ihe E"row Item. _hen due, Lender may.o nOlify IIOHower in writina, and, in ,uth
"" Borrower .han pay 10 l.cnder the amount nccenary to JOIke up Ihe deficienc)'. Borrower lhall make up the deficiency in no
more th.n Iwdve monlhl)' paymenll, al l.cnder'. .ule dilcretion.
Upon paymenl in full of .UlumllCcufed by Ihis SCI.:urilY Inluumenl, Lender ahall prompll)' refund 10 Oorrower any
Fund. held by Lender. H, under f.,.,rilph 2l,l.ender Ihall.cquire or lellthe I'rupertr.' Lender, rrior 10 the acqui.ilion or lIac
oflhe ProperlY, .haUappl)' any "undlo held by Lender Illhe time ohcqui.ition Of aa ell. credll'lainslthe .ums Kcurcd by
Ihlt Secunly Inluumenl.
3, ApplleaUon uf Pa)'""ntl. Unle.. applicable l.w provldn olherwiiC, all payment. R"ivcd by Lender under
parlaraphl I and 2 JlLlII be applied: finl, 10 an)' prepaymenl charlel due under Ihe NOle; "cond, 10 .mounll payable under
para.raph 2; Ihird, 10 interesl due; fourrh, 10 puncipal due; and 1111, to any laic cbarlel due under the Nute.
.c, CharaPi IJCRI, Dorrower shlllll pay all lues, lIacllmen.., char.el, finel and impo.hlonsanribulable 10 the Property
which may anain priority o\'er Ihis Securil)' Inllrumenl, and lCllChold paymentl or tround renll, if an)'. Borrower lhan pay
Ihnc obliptiunl in the manner provided in rara,rllph 2, or if nol p.id in Ih.1 manner, lorrower .hall P')' Ihem on lime direclly
10 the penon owed paymen!. Darrower shill promptly fumish lu tender all noti"l of amount. 10 be paid under Ihl. par'ararh.
If Borro\lier mak.C$ IheK (laymen" directly, Oorro""er .hall promptly furnish to Lender receipll evidencina the payment..
Borrower Ihall promplly di...hllrJe any lien which hal priority over thil Securily In.uumenl unle" Horrower: (a>> .arm
In writinalo Ihe payment uf Ihe obli..llon secufed by lhe hen in a manner l"e(Hable 10 l.ender; (b) conlells in aoad failh Ihe
lien by, or defend'lI11ainlol enforcemenl of Ihe lien in, lelal proceedinas \lihich 1ft Ihe Lender'. opinion operate 10 prennt the
enforcemenl of Ihe lien; or Ic) "cure. ham Ihe holder of the lien an ",reement IItisfaClory 10 lender .ubordinalina Ihe lien 10
thil SecurilY Inllrumenl, If lender delerlninel Ihlll any part of Ihe Prupeuy is .ubject 10 a lien which JOI)' all.in prioril)' over
Ihil Security InsHumenl,l.ender may li\'e lIorruwer . nolice idenlifyinll the lien. lIonower Ihllll"lilfy Ihe lien or I.ke une or
maR of Ihe "lion. lei forth abuve withm IU dlY' of Ihe Ki\'inll of notice.
S. 1I.llrd or Prop"., huurann, 1I0uowef Ihan k.eep Ihe imcronment. now caiuinl or hereafter eretled on Ihe
Property in.urcd a.ainll 1011 by fire, hallrdl included within Ihe lerm utcnded cover.ae" and any olher h.unh, includin,
OoOd. or noodina, ror which l.ender require. in.urance. Thi. in.urance .han be malnlained in Ihe amounts.nd for lhe periodl
thai Lender require.. The insur.nce aurier providinlllhe in.urance .hall be cholen by lJorrower lubjecllo Lender's .ppronl
which lhall not be unrusonably wilhheld. If 1I0rrower faill to malntuin coveraae deKribcd above, Lender m.)', a' l.cnder"
oplion, obtain coveraae 10 protect l.cnder'. riahll in the flropcrly in accordance wilh para,"ph "
All in.urance puliciel and renewlIl. .hall be aceeplAble 10 lender and .halllnclude a .tlndard mortllae cllUIC. Lender
.hall hive Ihe rillhl to hold the polici" and rencwllb. II lender require., Harrower shall promptly live 10 lender IU Rceip.. of
paid premiuffil and renewal nollces. In Ihe evenl of lOll, Borrower Ihanaive prom pi notice to Ihe inluranc:e tarrier and Lender,
Lender may make proof of lOll if nol mllde JHomptly by Dorrower.
Unlelll.ender and Dorrower otherwllC aMree in wrilina, insur.nce proceed. .han be applied to restorallon or re~ir of
the ProperlY d.ma.ed, if Ihe relotorarion or rcpilir il econumically fellible .nd I.ender" ICcurily i. not 1ellCned. If the
reltoratlon or repair is nOI economicallr. feasible or l.ender'sKcufily would be lellened, the inlurlncc proceed. shall be Ipplied
10 the .ums ICcured by Ihil Security nlHumenl, whelher or nol Ihen due, wilh an)' ueal paid 10 Oonower. II Borrower
abando", Ihe Properly, or dotl nolln.wer wilhin 30 d'ls a nolice ham lender Ihat the insurance carrier h.. offered 10 Kille a
cllIim, then Lender may collect Ihe insurance pruceed.. .ender mllY u.e Ihe proceed. 10 rep.ir or rellore the Property or to p.y
.uffillCcured by Ihil Secufiry Imuumenl, whelher or nollhen due. The 3O-day pcfiod will bc:ain when the notic:e ilaiven.
Unle.. I.ender IlRd Ihmower olherwiac aaree in wrilinll, .ny applicallon or proceeds 10 principallh.1I not ulend or
pO'lpone the due d..tc of the monthly paymen.. referred to In para.rltphl I and 2 or chanlle Ihe .mounl of Ihe p.yment.. If
under par.araph 21 the l'ropeflY i. Acquired by l.endcr, 1I0rrower'. f1ahllo any insur.nce politie..nd proceed. ruuhin, from
damase 10 the Property rrior to Ihe .~uisilion ,hall pa.. 10 lender 10 the exlent of Ihe sum. ICcured by Ihi. Security
Inlllument immcdialcly pllor to Ihe ICtluisilion.
,. Oecupane)', Prp,nlllon, Malnl,nance and Protection of Ihe Properl)'; Borrower" l.oan Applleallon; Lta"t1ol'I,
Borrower Ih.ll ~cupy, e.l&lbliloh,lInd Ule Ihe PW(lCrty "10 Dorrower', principal residence within sialy d.ys .fler Ihe execulion or
lhis Securily In.uumenl.nd .hall conlinue lu occupy Ihe Pruperl)"1 Borrower"s princip.1 rellden" for alleasl one year .fler
Ihe dale of occupancy, unk.. Lender othuwi.e Ilfee. in wrilln., which conlCnt lhall nUl be unrellonllbly withheld, or unlcu
ulenu.lina circumllancCl CAlli which arc beyond Durruwer', conlrul. "puower Ihan nol dClUoy, dam.ae or impair Ihe
Properly, allow Ihe I'ropeny tu dcreriorale, ur cummil walre un Ihe Ilroperty. lIurrower .hall be In dcfaulllf an~ forfeilure
.crlon or proceedina, wberher el\'il or criminal,l. beaun Ihal In lender" 100d faith jLidlmenl could relull in forfellure of Ihe
Ilropeny or olherwi~ mll~erially impair the lien creilled by Ihi, Securily In.trumcnt or Lender'slCcurilY inleresl. Bono\lier m.y
cure luch It dcCaull.nd remstale,II' pro\'ided in pafa.raph 1M, by cauun,the aclion or proccedina 10 be dismiucd whh a rulin,
Ihal, In Lender'slluud f.ilh delermmlllion, predudel forfeiture of Ihe 80rrower'I inter"l in Ihe Property or olher mlleria1
impairmenl of Ihe lien crealed b)' Ihi. Security Inltrumenl or Lender" Kcurily inlere.1. Bono""er .hllll alia be in default if
B~rrower, dO,rina Ihe 10lln, .pplicalion pro~e",III\',e m~lerialty fa~ac or, inaccurale information or lI.temenll 10 lender (or
r'lled 10 prOVide lender With &Illy maleual mform.llon) IR connecllon wllh Ihe lo.n e\'ldenced b)' Ihe NOle, includinl, bUI nOI
limited 10, !epre.enlationl concernina UOHO\lrer'S occup.ncy of the Property os a principal re.idence. If thi. Securily
Inltrumenl " on a lell~ehold, 1I0rrower .hall cum pi)' Wllh ulllhe provi.iun. of Ihe le,le. If Dorrower Icquirel fee lille to the
ProperlY, Ihe lellehold .nd Ihe fee lille Ih1&1I nol merae unle.. Lender a.ree, 10 Ihe merler in wrilina.
" Prulettloa or Lend"" MI.hllln th, l'roptrl,.1f Dorrower fails 10 perform Ihe covenanuand a.reementl conl.lned in
Ihi. Src~nl~ Inllrumenl, or Ihere II a le.al Ploceedin, ,hal m!lY li.nili"n"y arrcel Lendu's ri,hlS in Ihe Property (.uch .. a
proceedlRl In b.n~ruplcy, probale, for condemnllllon or for'ellufe or 10 enforce la.w. or. re.ullllonl),lhen Lender m.y du and
pay for wh',le\'er &I neeenary tu proleellhe value of Ihe I'roperly and l.cnder'. nlht. IR the Properly. l.ender" actiona may
mclude paymK Iny ~uml ICcufed ,by. hen whith hili priorily o~er Ihis Securit)' InlUument, appe.rin, m court, payin.
rca.unable 'lIumey. feel and enlenn, un Ihe I',upert)' ro 1II....e fep.lfl. Ahhooah tender may like '..Iion under this parallraph
'. lender don nOI h...e to do 10.
huo'i 11I74. rALf I ~:l
hi1l1f 114:\ I/.(f
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,
. An)' amounts disbursed by . ttf under Ihi, plr'ar,ph 1 .hall become 1 lion.' debt of norrowt~ secured by Ihi.
StcurilJ (nluumenl. UnlcnllllrruYr... and tender aafee In olh~r IC'Rl' of plymcnt, I~tlt amuunlslhan bUf,InUU'l hum !hc
dale of di,buncmcnl .. Iht Nole rate and ,han be Ply.ble. with IlIleresl, Urum nulIee hum tcnder In lIurruwer rcquc'lIn.
paym,.', , d' d" r k' hi' db h" '
.. MOrl.I..lnluranct,If lender require mon.'lc InlU'lnce 1.1 con Illon 0 ma tn.1 C oan Itturt )' I 11.,ccufly
Inluumcnt, narrower shall pi)' lhe premiums required 10 mainlainlhc morl...c insurance in cUcCI. 1(, hu an)' fUlon.lhc
mor'lIlt inlurance COVUllf rcquircLl by lender lapscI or CUlCllo be in cUccl,lIarrower ,hall pay the rrcmiuml requird lu
obl.in coveraae ubll.ntially elluivalenltu the mortl,"e inlurance previnull)' in dlecl, .1 . cosllubuanu.lI)' equivalenttl the
cost 10 BorroVrer or Ihe mOrl.l,e inlurance plI:viously In eUtel, ham an ahern'le morlJ.lfe insurer approved by lendr. Ie
lubllantilll)' equivalent mortalse insurance coverale is not l\I,ilable, lIurrmur Ihall r.ay 10 .cuder each monlb I lurn equi 10
one-lwelhh 01 Ihe yearly mofl.aae insurance pfenuum Mina paid by OunoVrtr Vrhen t Ie insurance cllver'le lapsed or ctllec;lp
be In elfecl. tender Will "cepl, use and relain Ihne paymellll II a 1011 rnerve in lieu or mOIII.,e inluran<<. tOil relene
(I.ymenll may no lonaer be required,.t Ihe ol'lion ur tellder. ir mUlt.ale insur.nce cuvtll.e (in Ihe amounl.nd ror the period
th.I l.endu requirel) provided by In inluru lIpprond hy l.cnder ..ain becumes l\Iailable and il ubt.ined. Borrower Ihall pay
the premiuml required tu mainl.1n murtaaae insurance in eUect. or tu provide . Ion rnerve, unlil the requirement ror mOfll"e
inlur.nce endlln accordance Vrith an)' Wfillen I.reement Mlween Uarrower .nd tender or ,prlic.hle l.w.
9,lnlpttUon. lender or itl IJent m.y make reasunlble enuiel upon .nd Inlpections 0 the l'roper1y. lender IhaUalve
Borrower notice.t the time or or prior to an inspcdion lpeci(yin. rellon.hle cause rar Ihe inspection.
10. Condtmnatlon. 1 he proceeds or .ny award or claim for dama.e., direct or consequenti.I, in connection wilh Iny
condemnation or olher IIkina or any pari ar the l'roperlY, or ror conny.nce in lieu or condemnation,lfe hereb)' I..i.ned and
,han be paid lo lender.
In the nenl of a totallakina of Ihe l'ropellY, Ihe procudl .hall be .pplied to the luml lecured h)' this Securil)'
Inluumenl, whelher or not Ihen due, with any ucellr.aid 10 lIarrower. In Ihe evenl or a p'rlial taklna ur the fropell)' in which
Ihe rair markd value or the I'ropefl)' innnedi'lely be ore Ihe takil18 il eLlua' 10 or trealer lhan thlt amount oC Ihe .umllecured'
b)' Ihi. Securit)' InUJument immediatelr bchue Ihe takin" unlell Harrower and ..cnde.r ~Iherwise a.relt i~ ,,,,illnl, Ihe lum.
ICcured b)' this SecurilY Instrument Ihal be reduced hy Ihe amount oC Ihe proceed. mulllplled by the CnllowlRa frlcdon: (.) Ihe
101.1 amounl oC Ihe 1um. "cured immedialely befure the I.klna. divided by (b) Ihe fair market v.lue of Ihe Propert)'
immediately before Ihe tlkina. Any balance ,hall be paid to Rorrower. In the eVenl or a pllli.llakina of lhe froperlY in which
Ihe rair markd vllue ar Ihe 11raferty immedialely bdore lhe takina blelllh.n the amounl of the .um. lecured immediately
before the Ilkin" unlen Borrower and tender tltherwile I,ree in writinl or unit.. Ipplieahle law olherwise provide.. Ihe
procecd..hall be applit1J 10 Ihe luml ",cured by Ihil Securily In.trument whelher or nollhe sumslJe then due.
J(the l'roperlY is abandoned by lIorroVrer, ur if, Iller nolite by tender lo Bnrrower Ih.t the condemnor offen to make
an award or stule a claim for dam.ael, lIarrower rails 10 relpond 10 lender wilhin 30 da)'.afler lhe date Ihe nOlice i,.iven.
lender lIauthorind to collect and apply Ihe proceedl, al ill o(1lion, eilhu 10 resloratlun or repair of Ihe .'ropelly Dr 10 Ihe
,um'lCcured by Ihil Security Imlrumenl, whelher or nollhen due.
Unlell Lender and lIarrower olherwiK a,ree In wrilina, an)' .pplicalion of proceed. 10 prinelpalsh.11 not CJIlend or
fKJ.lpone Ihe due date of the monthl, p.ymenll fdened to in p.n.raph. I and 2 or chanle Ihe amount of luch p.)'ment1.
II. Borrow" Nol ReluNdj forbraranu 0, "tnd" Nol I Walnr. I:ltension of the lime ror payment or modification or
amortilltian or Ihe lums secufed hy this Security Inllrumenl araRled bl J..endu to any lucceuor in inlerell of Oorrower Ihan
not operale to release the liability 01 the oriainal norrower or norrower I.uceenofl in inlerest. lender lhall nol be required 10
commence proceedinJl'Jlimlany IU([eIlOr in inlere!lt or rduse to ulend lime fur paymenl or otherwile modir)' .morll1ation
or Ihe luml lCeufed by this Security Illsuumenl by reason or Iny del1'and made b)' lhe oriainalllonower or Borrower"
lutenlon in interest. An)' rorbearance by Lender in uercisin, any riaht or remedy lhall not be a waiver or or preclude Ihe
eacrcist of an)' riahl or remedy.
12, Sueullon and AIlIIRl Boundj Jolnl .nd Sueral Uabllllr; Co-IIlnm. The cO\'enants and aareementl of Ihil
Securit)' In.trumenl Ihall bind and benefitlhe luccesson and .uianl or Lender and Borrower. lubjectlo tbe provisionl or
paralraph 17. Borrower', covenanls and 'areementl shan be joinl and lenral. Any Borrower who co-.lan. Ihis Securily
In.trumenl but doel nol exccute Ihe Note: (a) is CO-Ii anini this Securily Instrument onl)' 10 mortPle, ,rant .nd conve)' Ihat
Borrower" Inlereltln Ihe fro perl)' under the terml or thll Security Inltrument; (b) il not personall)' obllaaled 10r.'y Ihe luml
ICcurcd by thil Security Inslrumenl; and (c) aarenlh'ltender and an)' olher Borrower may aa'ce to exlend, modi y, rorbear or
make any accommodationl with resard to Ihe terml af Ihil Securit)' Inluumenl or the Nole wilhoullh'l Uorrower', consent.
U. LOin Charln.lf Ihe loan Iccured by Ihis SecurilY Instrument II lubjecllu .I.w which set' muimum loan char,es,
.nd thll taw i. finally inlcrpreled '0 that the Inlerell (If other loan charae. collected or 10 be collected In connection with Ihe
loan CJIceed Ihe permllled !imiu.lhen: (a) any luch loan charae Ih.1I be reduced b)' Ihe amount otcenary to reduce Ihe charle 10
Ihe permilled Iimil; .nd (b) any .uml already collected Crum narrower which CJIceeded pcrmilled limiu will be relunded to
Borrower. lender 013)' choose 10 make this refund by reducillllhe pdnci(1al owed under Ihe Nole or by makin, . direct
paymenl to Borrower. H a rdund reduces principal, Ihe reduclion will be uClled II . partial prepa)'menl Wilhoul an)'
prepa)'menl char,e under Ihe Nole.
14, Nollen, Any nolice to Borrower provided ror in thl. Securit)' In.trument Ihln be ,iven by deliverinl il or by O1.l11nJ
il by fint cia.. mail unlenapplicable law requirel use of anolher method. The notice Ih.lI be direcled 10 Ihe Property Addre..
or .ny other addresl Borrower desi,n'les by nUlice to lender. Any nolice 10 lender .han he linn by finl cia.. m.il to lender"
.ddre.. Itlted herein or .ny olher address Lender delianlte. by oolite 10 narrower. Any nolice provided for in Ihis Securlly
Inltrumentshall be deemed 10 have been liven 10 narrower or lender when linn a. provided in Ihl, paraar.ph.
IS. CoWtmlnl 1.Iw; Snerabllll,. Tbil Security Inslrumcnl Ihall be aovcrned by federal law and the taw of Ihe
jurildiclion in whi.:h Ihe Properly i.located. In the cvent thai any provision or clause or this SecurilY Instrument or the Nole
conOicls wilh applicable IIW, such conllielshall nol Irrecl olher (1rovisions oflhi. Security Instrumenl or Ibe Nole which can be
Jiven effecl wilhout the conniclina provisian. To Ihis end Ihe p,ovision. of Ihil Security 1nllrumenl and Ihe Nole .re declared
10 be "nrable.
16. Borrower" Cop,. norrower Ihall be ainn one conrormed copy or Ihe Note and or thil Security In.lrument.
11_ Tnnder orlhe Properl, or. Benrnd,llnlernlln Borrower, Han orany pall oflhe Properly or any interellln it is
.old or trlnsferred (or ir. beneficlIl intercll in UorrO\licr i.sllld or lranslerred and Borrower i. nol a n.tural penon) withoul
lender" prior wrillen consent, Lender may. 81 ils oplion, require immcdiate p.)'menl in full of all.umssecured by Ihis SecurilY
In.uumenl. However. this option shall nOI be Cllerci.td b)' Lender if Clerci.e i. prohibited by faferallaw II of Ihe dlte of Ihls
Securily In.trument.
H Lender uercile'lhis option, J..endcr .hanaive Rorrower nolice of acceleration. The nolice Ihlll provide I period of
not less lhln 30 day. from the dale the notice is delivered or m.lled within which narrower mus,!.a)' aUsuml KcurN by Ihis
Security InlUument. If Horrower faib to pi)' these suml prior to Ihe npiration orthi, period,len er may invoke an)' remedin
permiued h)' thi, Sccurity Instrumenl without rurlher nollce or demand on Borrower.
.1, lIorrower" RICbl 10 Reinstate. II Uorrowcr meell certain conditionl, Borrower Ihall hne Ihe riahl 10 hIVe
enrorcemenl of Ihi. Setufll)' Inslrumenl disconlinued al any lime prior to Ihe earlier or: (.) oS day. (or luch olher period..
applicable law m.y .pecify far relnnalemenl) before IIle of the fropert)' pursu.nl to Iny power or IIle conlained In Ihi.
Securily In'lIument; or (h) entry or. jud,Rlenl enrurdnllhis Sec...uriIY InlUumenl. Those tondilionsare thai Oorrower: (a) pay.
Lender.1I 1uml which Ihcn would he due under Ihil Securily Insuument and Ihe Nole II if no acceleration hid occurred; (b)
curcI any ddlult of any other covenanll or Ilrcementl; (c) payl _II upenscI incurred in enrorcin,lhil SecurilY Inllrument,
includin" hul nOllimiled la, rennnable anorRell' (eea; Ind (d) lakel ,uch actinn II Lender m.y ru.on.bly require 10 allure
lhallhe lien or Ihis Security lnslrumenl, lendcr I riahtl in Ihe l'ropeJly and Borrower'. oblia,tion 10 r'y the .ums secured b)'
Ihis SecurilY Inmumcnt Ihall continue unchan,ed. U~on rcinnllemenl by Borrower, Ihis Secunly In.trumenl Ind the
obliaalionlsecured hereby Ihall <<main full)' effective IS If no acceleralion had occurred. ltowever,lhis rilhllo reinslate shall
nOlapply In the clle or acceler.tion under plJlaraph 17.
It, Sale Dr Nolei Ch'nlt or toan Senlc". The Note or a plrlial inlere.1 In Ihe Nole (lo,ether with Ihis Security
lnllrumenl) ma)' be lold one or more times wilhouI prior nollce 10 Borrower. A laic ma)' result in. chanlc in Ihe entit)' (known
IIlhe "loan Senicer'1 Ihat c,!l1e~. monlhl)' paymenls due under Ihe Note an.d this Security Inltrument. ~hcre Ilia mlY be one
or more ~hanlel ~r Ihc Lo.n SCJ\'t.eer unrelaled 10, a IIle of Ihe Note. I( there lIa c~an.e orthe LOin ServlCer, Borrower will be
Ilvcn wnllen notice or Ihe chinle In acrordante WIth plralraph 14 abon .nd .ppllcable law. The notice willltate Ihe name and
bOU! II/4:J rAtf 3U4
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1110
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addle.. ollh. ftCW LOIn Strvker and (he .ddrcII 10 Yl'hich plymcnll should be made. The notice will ,110 conl.ln any other
Information required by appltclllblc Ii... . .
11, U.u,do\d Subll.nctl. Harrower ,hill nol caU" or pcrmillhc prlMncc, UK, di.poul. Ilorl,c,. or rdclte'ol any
lI.urdoYI Subll'Me. on ur in the I'roperl)'. Dorrower ,hall nut do, nor aUow an)'one <<be 10 do, .dylhin..rrccllnllhl
I'roperl)' IhAllsin ~iol.lion or .n)' Environment.1 Law. The prcccdinllwo ICnlence. ,hall nol appl)' 10 the prclence, UIe. or
1'0111' on Ihe I'ropen)' of small quantilie. of .1I,.,doy. Sublllnccalhl. .re Icnerally fcco,nilcd 10 be .pproprlale 10 normll
le,Wenltal uae. and II) maintenance ul .he l'rope'I)'.
Borrower ,hall promptly ,i...e I.cnder ,<<.illeR nOllc, of an)' Innalla.lion, d.lm. dem.nd.lIwlult or olher ullon by InY
,owcrnmcnlal or rClulalur)' alency or pm'alt pllly !n...ahin. the "roperl)' and Iny U.,anloUl Subalincc or Environment..
LAw of which Borrower hal aclual kno\iW1cdle. U Uorrower learnl. or b notified by any lovernmenlal or rc,ulllory authority.
thai any rcmonl or olher rCmedlalion of any lIa,anJoul Subllan":c .Ueelin, lhe Properly II neee..ary. borrower ahlll
promplly t.ke aU neecaury remedull &\.110nl in accord.nce wilh (:nvironmentallaw.
AI ,,",cd in Ihll p.ra,raph 20. "1I."rdouI Subal.neel" arc IhOit aubilancel defined allOate or hll.rdoUllub.lanua by
Envlronmenlal LAw and Ihe lolluwinl lubitancel: ,..olint, kerow:nc. ulher fUmmablc or lo.ic petroleum producu, 1011:
pcuicidulud herbicide'l vulatik: aoh'eoll. malerial, conlaininl.abellol or lormaldehyde. .nd radioaclivc malerta1a. AI uled in
thl, par.,raph 20, "Env ronmentalt.w" meanl federal "WI .nd lawI of Ihe jUliMJlclion where Ihe Pfoperty II IOC:'lcd lhal
felate 10 hcallh, lafCly Of environment..1 pfolcelion.
NON.UNU:OH,M CQYENANlS.lhnruwcr .nd lender lUrlher coven.nllnd 'Iru al follows:
11. Aee.l.ralhul; R.m.dln. Lend" th.U,I" nulle. 10 lotrow" prlor 10 an.lllallon follo"lnl lono.,," br.aell of
In, connanl or IIII.m.nlln .hl. StCurll, 'mlrumenl (bul nul prior Co aeullllllon under p.relr.pb 17 unl... IppUe.bl.la.
proYldtt Olbll"III). tender .hlll nolll, 80rro"" aI, emonl olb" Iblnl': (I) Ih, dtllullj tb) Ih, .elloA "qulr.d 10 CUll Ib,
dll.ull, (c) _ben lb. drllull lIual' bt eu"dj and td) Ih.t 'IUur.lu eur.lb, dll.ulll' 'r:clR.d m., ".ull in aee.l"allon of It"
...... ..euud b, Chit SuurU, In.ltumenl, IUllc:hMuII b, Judlc:l.. procudlnl and .. . 01 Ib, Proper.,. Ltnd" "'au lur'lI..
Inlorm lorro." 01 the rI,hl Iu "Inllll. .11" leul".llon and lb. rllhllo ....n In Ih. lonclOtUl' procH.lnllll. no....
1I111.nCl of. d"lull or .n, ulh" dd.na. 01 Burro"" '0 Iectlna'lon Ind fu"clOIu". If tb. dtllullla nul eutld U lpedRtd,
Lend.rt II U. uptlon, ma, "qulll Imm.dl.l. pa,m.nlln lull 01 ,U'UIRI ..('urcd b, Ihil S.eurll)' In.lrum.nl "lIhoul I..rlb"
d.mand and .., loreeloN Ibit Slturll, Inslrument bJ Judicii' prunrdln,. I"..." shall be .nllll.d 10 eoU.d IU upcnua
Ineurr.d In pUllulnllh. nmtdles prodded In Ihll plilllnpb 11,lneludinl, bul nol Umlt.d 10, auorn.,.' f,,. and CDIU of IIIIt
nldme. 10 Ib, ul.nl permlll.d b, .ppUubl.lIw.
11. Rd..... Upon fHlymcnlllf ,II ,unll iccured by Ihi, SecurilY Inllrumenl, thil Sccurlty Inlllumenl and lhe cIlIle
con\'eyed lhalllerminale .od become void. ^"er luch occurrence. Lender Ihall dileharlc .nd IIlIary Ihll Sccurity Inlllumenl
wilhuul dun,e 10 burrower. Borru\ur .hall PlY Iny rccordllion 1;'011I.
13. Wal"rI. Dorrower.lo Iheulenl pcfmilted by applic.blc I.w, ,uivcs and releaseslny error or defecls in procccdinp
loenforce Ihis Security Inurumenl, and hereby waivellhe benefat of .ny prelenl or ruturc laws providinl ror "'Y of cacculion,
eJueruion 01 lime, Clemplion from .1Il1ehment, levy Ind IIle, and homellud CAcmplion.
14. R.lnalaUm.nl Period. Dorruwcr'allme 10 rciml.le provided In parM.r.ph 18 .han catend 10 one hour prior 10 lhe
commtnumcnl of biddin. al . aherm. ulc or othcr ..Ie JlUlluantlo Ihis ScCUtal)' Inluumenl.
IS. Punbul Mun'f Murlll", If any 01 Ihe deb. lecufed by Ihi. Seturily In_Uumenl illcnt to Borrower 10 acquire lil&c
10 Ihe Pro"cn)', Ihi, Seeullly Inllrumenl IhllI be a purchaac: moner, mort..,e.
2'.lnl"... Nal' Mill Judlm.nl. Donower Ilreellhallbe nlcrest r.le plyable aftcr I Judamcnl i. entered on Ihe NOle
or in an ICliun 01 mOllaale foaeel..aule Ihllll he Ihe file paYllble frum lime 10 lame under Ihe NOle.
17. Rld'n 10 IbIa SlCulltJ l"'lru..nl. If one or mOle rWell arc CAccuted by Borrower and recorded loaether with Ihia
SccurilY InluUDlent. Ihe co\'enanll Ind lareemenll of c.ch luch rider lhall be incorporated inlo .nd shall amend and
lupplcmcnllhe cO\'enanll and a.reemenll or Ihit Security huuumcnlal if lhe r!dcr(l) were a pall or this SecurilY Imuumenl.
(Check Ipplicable bol("))
'.
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ryfi iii Adj"'lIbl. RI" Rid.,
-
[J OradUlled Paymenl Rider
o Balloon Rider
o O.h.~.ll.pecirYI
CJ Condominium Rider
D .'lInned Unil Dentopmcnl Rider
D R.le Impronmenl Rider
(!II... Flmily Rid.r
t:I Biweekly Paymcnl Ridcr
t:I Second 1I0me Rlder
BY SIONINO BELOW, Borrowerlcceptl and aaRtllo Ihe lerfnl and covenanll conl.ined in Ihis Securhy Instrumenl
and in any rider(.) eACculed by Borrower .nd recorded ",ilh iI.
Wil.......: ~
-.;;10 -'
.,..".....,....,(/...:~......,....,.,.....,.."...,",......
,)
....,~~....................,(SUI)
J.ff D. S.alover -Ilorrowcr
Social S..uriIY Numb<, ...\ lot ~:: .'l:El:,?:-et~........
(.7n.tJlMXX>.JJ.~~........... (Sui)
...11... L. se.Jov.rOlI. ~ -Borrower
Sueill S...'I'y Number .....~::~~:.......o..............
\
COMMONWEALTII OF PENNSYLVANIA. ................... .York".................... ...... .... Counly u:
On this,lhe ...16th............... day or .J.nU.Ty..... ....... ...... .1\2........ before me, .......... . ........
.......Jlol.ry.'..bUc................. Iheundeniancdofficcr, pcnonallyappcared ................,':..',. :~.\..H~ ~t.. :.....
. .JafL.D.. .aaaLov.er:.. .an.. .MeU... .L.. .a.aI.eY'. ............. .... ... ..... ...... ...... knpwl\l~" i lily
proven) 10 be Ihe pcflOn...... _hoac nalRqt..lh.y.........:..... a~bKribcd 10 Ihe wilhin In.Jtl1l~~'' .. I
..th.y............ Cleaalcd tbe lime Cor the purpoKs htrclRconlllRed. II: ..~t."". .':,.t\.
:~'l uti :JI
IN WitNESS WIIEREOf, I hcreunlo sel my hand .nd orracialttal. .f "'ii. i'~~' . ~'J,y.''''.: !:'
MyCommiuione parel: IIlTAlIAL SlAL ~ /) ..-:;...~.~n:'J.7.r:~::~.~i:
lAllttEI D. tmlEI. lIOfAlV PlJllIC... . ~.t.IY. .. . . . .\ .,' .:~:'-:'::~'.,t:.....
fAI.VIEW Moo 'A YOll COJIlTY .... ....
MY COIIlUlllIII1PIIlS....E I. "92 ..................UOTAU, !lIALIC .........::::'::,...:...........
""DlOIIk;;.w
I cc"I'l thallhe XrecilC {)llCe 01 bUline" of Ihe within named M ortPI" II .~..c:.cm4 ..4ncl..~ .l.1)" .I~JJ:'~ till..........
,...,~~f,~I,~,!lra."f "",\ ,\P,\,'..""".."".."'.."'..""~"'.,.."',..~:,...,...,....,....,..',........
...,...~-:.~~,..~,~..~,..........,..".,
RECORDED in Ihe Ofracc ror Rccordinlor Dtcdl in and Cor ...~~.':~~':'~..r;~.'!!'.~)'........... ....................... .
in Morl..le Rook ......... .......' No. ... ...... ........ Pale.. ...... .......... Ac. ,
Oale ............................. ..... .,.... ........ Recorder .... ............. ................ ....... .......:............... .
bOD^ llJi4 l'At! t Wi
,11l~:1 IAl,[ au:) ,....soo. lItO .......,.,.,..
ALL THAT CERTAIN piece or parcel of land situate in Hampden Township,
Cumberland County, Pennsylvania, bounded and described as follows, to wit,
BEGINNING at a point on the South side of Locust Lane, said point being at
the dividing line between Lots Nos. 11 and 12 as shown on the hereinafter
mentioned Plan of Lotsl thence continuing along the South side of Locust
Lane on a curve to the left with a radius of 226.38 feet, delta 013-16-46,
length 52.47 feet, tangent 8.33 feet, bearing North 61 degrees 48 minutes
38 seconds East a distance of 16.65 feet to a pointl thence continuing
along the South side of Locust Lsne North 60 degrees 43 minutes 26 seconds
Eaat a dietance of 85.00 feet to the dividing line between Lots NOI. 12
and 131 thence continuing along the dividing line between Lot No. 12 and
Lot No. 13 South 29 degreee 16 minutes 34 seconds East a diltance of 97.87
feet to a pointl thence continuing on a line So~th 59 degreee 49 minutee
49 seconds West a distance of 105.45 feet to a point on the dividing line
between Lot No. 11 and Lot No. 121 thence continuing on the dividing line
between Lots Nos. 11 snd 12 North 27 degrees 06 minutes 04 seconds West a
distance of 100.00 feet to a point on the South side of Locust Lane, the
point and place of BEGINNING.
BEING deeignated as Lot No. 12 on Plan of Lote of Hampden Hearth, Phase 1,
prepared by Grove Associates, which Plan ie recorded in Cumberland County
Plan Book 53, Page 133.
BEING the same premieee which The H S Service Corporation, Trustee, by
deed dated Augult 16, 1989 and recorded in Cumberland County Recorder'e
Office in Deed Book 34-J, page 27, and by Quit Claim Deed dated December
19, 1991 and to be recorded herewith, granted and conveyed the Mortgagora
herein.
UNDER AND SUBJECT to certain reetrictiona and eaeemente filed on September
21, 1987, in Miec. Book 340, page 491, Cumberland County Records.
THE MORTGAGORS represent and warrant that neither of the parties hereto has
heretofore instituted divorce proceedings against the other and it is further
agreed that the lien, operation and effect of this mortgage should not be
changed in any manner as a result of or part of any property settlement or
equitable distribution by the court in any divorce proceedings now or here-
after instituted by either of the mortgagors hereto against the other.
.. , ". r:fJi!<,
"....l.-~)
\t.. /
EXHIBIT "A"
b'QO'~ 1074 PAtE If.Jfi
bOIlI. 1.04.1 r.'.CE :3 ~J(i
1-4 FAMILY RIDER
Assignment of Rents
nus 1-4 PAMILY RIDER b made this ...~~~.hclay of ....................i!!':~.~~!:y...................... , 19 ~~ ,
and II iDcorpolllCd inIo and shall be deemed 10 amend and supplemcnllhc Mortgage, Deed of Trust or Security Deed
(Ihc "Security WlI'WDClIl") of Ihc wnc daIc given by Ihc undcnigDCd (Ihc "Borrower") 10 secure Borrower's Note 10
.............. .1IMW.tS..SA.V,l;NG.S..IlI\~............ ................................................. ............ (Ihc "Lcndct")
of Ihc I&IJIC dale and covering Ihc Property dclcribed in Ihc Security lDalnlmCot and located at:
.................~. ;.~.:.. ~?~!! ~ ~. .~.'! ~~ I.. !:I~~ ~.~.'~.~~ !l.~.'!:.~ I...~!':....~. ?g~ ~....................................................
(Propcny Addrcaa)
1-4 FAMILY COVENANTS. lD addition 10 Ihc covcnaoll and agReIIlCIIlI made in Ihc Security 1natnImclIl. Dorrowcr
and Lender f\1rthcr covenant and agree as follows:
A. ADDmONAL PROPERTY SUBJECT TO TIlE SECURITY INSTRUMENT. lD addition 10 Ihc Property
dclcribed in Ihc Security lDatnllDCnl, Ihc following items are added 10 Ihc Property description. and shall aiIo coostillllC
Ihc Property covered by the Security lDatrWnCnl: building matcria1a, app1iallccs and gooda of every natW'C whatsoever
now or hereafter located in, on, or uxd, or intended 10 be uxd in connection with the Property. including, but not
limited 10, Ihoac for the purpoacs of supplying or distributing heating, cooling, e1ectricity. gas, water. air and light,
fire prevention and extinguishing apparalU, accurity and acccsa control apparalUI, plumbing, bath lIIbs, water beaten,
water clOlCtl, sinks, ranges, SlOves, refrigeraton, dishwubcn, dispoaa1s, wuhcn, dryen, awnings, storm windows,
storm doon, screens, blinds. shades, curtains and curtain rods, attached mirron, cabinets, panelling and aIlaChcd floor
coverings now or hereafter attacbcd 10 Ihc Property, all of wllich, including replaccmcnll and additions Ihcrcto. shall
be deemed 10 be and remain a pari of Ihc Property covered by Ihc Security lDalnlmCnl. All of Ihc foregoing lOBcthcr
with Ihc Property described in lhc Security Instrumclll (or lhc lcaachold CSIalC if Ihc Security InatnImclIl b on a leasehf\ld)
are referred 10 in Ibis 1-4 Pamily Rider and the Security lDattWDCDl as Ihc "Property."
B. USE OF PROPERTY; COMPUANCE WITH LAW. Borrower shall not seck. ~gree 10 or make a change
in Ihc use of lhc Property or ill zoning classification, unless Lender has agrcc:d in writing 10 Ihc change. Borrower
shall comply with alIiaws, orrlino"",,". rcgulations and rcquircmcnta of any govern""","'l body applicable 10 !be l'Iopcrty.
C. SUBORDINATE LIENS. Except as permillCd by fcdcraliaw, Borrower shall not allow any lien inferior 10
Ihc Security lnsuumcllllO be p<:rfcctcd againstlhc Property without Lender's prior wrillCn permbsion.
D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition 10 Ihc otbcr hazards
for wllich insW'lllCC is required by Uniform Covenalll S.
E. "BORROWER'S RlGIIT TO RElNSfATE" DELETED. Uniform Covenalll 18 is deleted.
F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Ihc first sentence
in Uniform Covenalll 6 concerning Borrower's occupancy of Ihc Property is deleted. All remaining covenanll and
agreemenu set forth in Uniform Covenant 6 shall remain in effect.
G. ASSIGNMENT OF LEA..SES. Upon Lender's request. Borrower shall assign 10 Lcndct alIlcucs oflhc P10pcrty
and alIsccurity deposill made in connection with lcues of Ihc Property. Upon Ihc assignmenl, Lender shall have the
righllO modify, extend or terminate the existing lcues and 10 exc:c:ute new leases, in Lender's sole discretion. AI. uxd
in Ibis paragnph G, the word "Icuc" shall mean "sublcuc" if Ihc Security lDatromcnt II on a lcaachold.
H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSlON. Borrower
absolutely and WICOnditiona1ly assigns and IraDSfen 10 Lender alIlhc renu and revCQues ("Rents") of Ihc Property,
regardless of 10 whom the Renll of Ihc Property are payable. Borrower authorizes Lender or Lender's agcnlllO collect
Ihc Renll, and agl'CCl that each tenant of the Property shall pay Ihc Renll 10 Lender or Lender's agenu. However.
Borrower shall receive Ihc Renll unill (il Lender has given Borrower notice of defaull punuantlO paragraph 21 of
the Security WlI'WDCnl and (ill Lender has given notice 10 Ihc tenant(sl that Ihc Renll are 10 be paid 10 Lender or
Lcodcr's agent. This assignmenl of Rents COllltilUlCI an absolute assignment and not an assignmelll for additional security
only.
MUl.11ITAlI 1-4 F~Y IUDEIl-FlllllIIII/FrMlIlI ... UIIIInIIwl>
..... ,.. 3171 11II (pap 1 0{ 2 J'GIUI
blJOf.lOf3 f,',GE 3:-J7
bou~1074 P~tE 1!J?
If Lender alvCl notice of breach 10 Borrower: (I) all Reali received by Borrower ahall be held by Borrower U lnIIlCe
for the benefil of Lender only, 10 be applied 10 the .urns aecured by the Security Instrument; (Ii) Lender ahaIl be entilled
10 coUect and receive all of the Reali of the Propeny; (ill) Borrower aarecs thaI each tenanl of the Propeny ahalJ pay
all Reali due and unpaid 10 Lender or Lender'. agenll upon Lender'. wrinen demand 10 the tenanl; (iv) ualeu ap-
plieable law provides otherwlae, all Reali coUected by Lender or Lender'. agenll ahall be applied fint 10 the COIlS
of tlkina control of and managing the Propeny and coUectlng the Renll, including, bUI not limited 10, anomey'. fcea.
receiver'. fcea, premiums on rc:cclver'. bondi, repair and malntelllllCC COIU, insurance premiums, WlCI, auewnenu
and OIber chargCl on the Propeny, and thea 10 the .uau lCCured by the Security Instrument; (v) Lender, Lender'.
agenll or any judiclal1y appointed receiver ahall be liable 10 accounl for only thoae Reali actually received; and (vi)
Lender ahall be entilled 10 have a rc:cciver appointed 10 lake posseuion of and manage the Propcny and coUec\ the
Renll and profill derived from the Propcny without any Ihowing U 10 the inadequacy of the Propeny &S aecurity.
If Ihe Reau of the Propcny are not.ufficientlo cover the COIU of liking conlrol of and managing the Propeny and
of COllecting the RenlS any funda expended by Lender for .uch purposes ahall become indcbtedneu of Borrower 10
Lender lCCured by the Security Insuumenl pursuant 10 Uniform Covenant 7.
Borrower repreaenlS and warranu that Borrower has not executed any prior &S.igamenl of the Renll and has DOl
and will not perform any acl thaI would prevent Lender from exerciJing iu righu under this paragraph.
Lender, or Lender'. agenlS or a judiclal1y appointed receiver, ahall nOl be required 10 enter upon, lake control of
or maintain the Propeny before or atier giving notice of default 10 Borrower. However, Lender. or Lender'. ageDlS
or a judiclal1y appointed receiver, may do 10 al any time wheD a defaull occurs. Any applicatioa of Reali ahall nol
cure or waive any defaull or invalidate any OIber righl or remedy of Lender. Thia assigameDt of Rents of the Propeny
ahall terminate when all the .uau ICCUI'ed by the Security Instrumcnl are paid In full.
I. CROSS-DEFAULT PROVISION. Borrower'. defaull or breach under any DOle or agnx:meal in which Leadcr
Iw an Intercal ahall be a breach under the Security Instrumcnl and Lender may invoke any of the remcdica pennined
by the Security 1nstrwneat.
BY SIGNING BELOW, Borrower acccplI and aareea 10 the lCnnI and proviJioDl con In this 1-4 Family Rider.
.......Ji;t~.~lo.;.er............ ...............(SeaI)
....n; . ,,- : -~ j) Q. _ 1'- __
.:..:.~.ct..~~............(SeaI)
Melissa L. Sealover .Ik..~
boo'.1.043 rACE 391:5
b~oi 1074 PAC: UJ~
.... fill 11II /Pall 2 0{ 2 ".,.,J
ADJUSTABLE RATE RIDER
(~"rar TrrnUf)' ..,tln-Ra', c.,. I
TIllS MlJUS"AULE RATE RUlER is m,de ,hi, ..!,~.t')" d.y Dr ......,....~~.~.H~I.Y.................... 19 ..?L..nd I.
Incorrorlllcd Inlu and .hall be deemed hI ,mcnd and lupl'llenu:n' Ihe MOfl,.,c. Deed or TrUll or Security llccd (ahe
""Sccuril)' InlUumen''') or the .Ime dale liyen by the undcni.ncd (the .Uorrowc,") to ICcure Borrowe,', Adjult.blt
R"e Nole (Ihe "Note') ID......................!n~,H.',~..,~nV,I.~~.~...~!.\H.~......,....,......,.............,.................,......,.............,............
.............................................................................. (Ihe "Lender") or the 'Ime dalc.nd c:ovcrlnJ the properly dcs.cribcd In
Iho Securit)' InlUumenl and locI led a':
......,..............,........,61.Q7....I.<l<". t,.1.a"....Il.<Il.n,\.~..b"~g.. .,p^....17.a~.~..........,...................,..,........,......................
IrU>J"fl}' ^.wI_1
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE
AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S
INTEREST RATE CAN CHANGE AT ANY ONE TIME ANO THE MAXIMUM RATE THE BOR-
ROWER MUST PAY.
AUI"lIUN~I.('on~NANIS. In addition 10 .he covenanU and 'Ifumentl made In the Securit)' IRlllument, Borrower
and lender rUrlher covenant and UI'CC It' (olluw.;
A. INTERt~'iT RATF. ANIl ~ONTIILY l'AYMt:NT CIIANGrs
The Note providn rur an initial interell rllte or ...~.t.~~......%. T~ Note provides ror chanlcs in the Intere'l rate and the
mOnlhl) payment., as (ol1owl:
4. INTt:Rt~'" RAl'F. ANIl MIlNl'lII.Y I'AYMF.NT CIIANGFS
I A I (.....&e Illln
The interelt nle I will ray may chanae on Ihe nnl day or .....f.~~r.~,..r.y...........".........., 19"7.~",, and on th.t day
every ~th munlh Iherearler Hill:h dille un whith my intereil rile could chanle is called a -Chanle Dale,-
(al1M .....
Pc.innin, _ith Ihe fint Chilnae Doale. my inlerell rale will be baled on an Indel, The -Indu- II Ihe weekly
aver.,e yield on Unilcd StoatCI Treaiury ,ecurities adjusted 10 a conilllnl malurity or~ year, IS mlde available by Ihe
federlll M.eKrve Uo;ud. The mOil r<<entlndClliaure IIvllilnble ,. or lhe dale 4S daYI berore elch Chinle Dale is called
the "Currenl Indu."
lr the Indel i. no IURlter nVIli1.1ble. the Nllle lIulder will thOOle 11 new indu which i. ~Kd upon coml'lrlble
inrormaliun. The Nule 11ulLle:r _illlivc mc flulite u( this chuke.
tCI(~.lcul.llon or ('''..e"
Ddore each Chanle Oale. the Nole IluhJcr _ill calculate my new inte'est rale by addinl :r.w.Q...nl'l.'i\..~Au::".'.:...
..."'....Q\UI.r.t.Dr.ft....... percent'le poinll (....~,,1$......'J.) tu the Currenl Indu. The Nole tloldcr willlhen round lhe
relult o( lhi. adlliliun tu lhe nelllesl une-ciahth ur une percenllle ruinl (U.llS'J.). Subject to Ihe limit. sl.ted in Settlon
<4(0) beloW,lhis ruunlled amount .i11 be my new inlerell rale until Ihe nnl Chinle O"Ic.
The Nute lIolder .iII Iben determine Ihe ulllount or Ihe monlhly pa)'mentlhat .ould be sunkient 10 replY Ihe
unpaid (lIincipalthall urn upected 10 owe althe t'hanae Oale in (5111 on Ihe malurit) dlte II my new inleresl rile in
;t 5ubstllnliv.Uy Ct{ulIl raymenl.. The rCiul1 ur this calculiltion will be the new Amoun' or my monthly paymenl.
(IJ I Urall' 011 lalrntl Rllr (....I"
The inlerell rale I oam ,equired to p;sy ;ttthe rlf~t Chan~e Dale.iII nol be Ircaler Ihan ..,,~~.:.~~...............or ICls Ihan
........~...::8.r......%. TherCilrtcr, QlyAqll.:rest rale _ill naer be int,eascd or decrelicd on an)' sinale Chanle Dale b)' mOfe
. than I~~'centaae (lOints ().Qf'tluul1 the ';lIe or interest I have been pol)'inl rur Ihe prectdinl Iwelve month,. My
intc'ell rale .iII never be ,reuler Ihan ..l~.\.~.~."....'Io.
,.:) fJrKlhr llalr or n'DI"
My new inleresl rale will becomc elTctlive un cath ChOln,e I);ate. 1.i11 ray lhe Ilmuunl or my new monlhly payment
bc,innina on .he rlfll monlhly raYlllenl d;ate urler lhe Chanle Dale untillhe amounl or my monthly paymenl chanles
Illain.
(F. Nollcr or OaaK"
The Nute Iloldcr willlJcliver or mail to me a notk-c or any chanael in my inlerest rale and Ihe .mount or my munlhl)'
payment befure Ihe elTcctivc dute uf uny Ch;1I1~C. The notice will include inrormation required b) law lu be liven me and
allo the litle and lelerhone numbe, or a rcrson who will answer an)' question I may have relardina Ihe nOlice.
B. l'RANSn:R OF Tilt: PROPt:RTY OR A Bt:NF.t'IClAL INTF.RF..'rr IN BORROWF.R
Uniro,m COft'nanl 11 ur Ihe Secu,ity InstruUlenl is amenlled to read II rollO_I:
Trladrr or 1M Proptrl, or I DmtftdallalrrnlIn Borro_rr. tran or Iny pari or Ihe Propcrtyor Iny Interest in II is
sold ur Iransferred (or i( a benelicial internl in lIurrowe' is sold or "Inderred and Borro_er is nol I nalurll person)
.ithoullender's prio~ wrillen consent. I.ender may, al its option, require immelliate pa)'ment in rull or aU sum. scc:ured
b) Ihis S<<uril) Inslrumenl. Huwever, Ihisoplion shall nol be e..erciscd by lender iruercisc is prohibited by rede,.II.w
as or Ihe date or this SecurilY Inillumen!. lender also shall not e..ercise Ihil option if: (I) Borrower (lusel 10 be
submilled 10 lender inrormaliun rCtluired by lenller loevaluale the inlenLled Iransreree as ir I new loan .ere beina made
to rhe Iranderee; Ind (b) lender reasonably delermincs Ihat lender's KCurily will nOl be impaired by the 101ft
auumplion and tha, Ihe ri.k or , breach u( Iny covenant 0' la'eemenl in this Scc:urilylnllrumenl is Icteplable 10
lender.
/"
800": 11143 rAtE 3WJ
bOoi Hrt'4 rAtE W!.:I
.....nsTATt ADJUSTAaE ~Tl RI)(R-...... S+2-&rye Fomtv-f..... ....,fr... Mac: LnIf_""""
Mfa FORM lion 4IVO
,_11t' "11
.
To IhI cllenl pc,mlucd b)'lpplicablcllw, Lender 11\I)' chlllc, ,caaonablc fee 1'1 condition 10 Lender', coRHnllO
Iblloan ,"umpdun. Lend., mlY 100 'Coquifl Ih. U.n,f"ce 10 Il,n In .NumpHon ."cemenllhll I. Icccpllbl. 10
....." IRd Ihll obli,llctlb. ulnafer" 10 keep.1I the p,omiHa.nd I.rcemenu mid, in 'hi Nole and In Ihi. Securily
lnauumcnt. Bonner.iII conlinue 10 be obli.alcd \Ind., 1M Note and Ihit SKurilylnauumcnl unlCllunder reteu..
Borrower in .rllln..
If Lender clCrciKI Ihe oplion 10 require ImmcdillO plymenl in full, Lender .hall.lve Borrower nOllce of a",le,a.
lion. The notlee Ibln provide I period of not lculhln JO dl)'l from Ihe dlle the nollcc la delivered or mailed wilhin
wlllell Borrowu mU'1 pay IUluma ,"urcd by Ihil kurllY hllUUmcRI. If 1kH,0wcr f,illlO plYlhac .Uml pt'iot 10 Ihe
c.piralion of Ibla period, Lender may invoke In)' rcmedia pcrmilled bylhi. Sccuril)'lruuumenl wilhoul (urlhcr nolice
or demand on Borrower.
BY SIONINO Bnow, Borrower ,cccpll and ..rcello lhe I.rmalnd COYIA,nll conlllncd In Ihi, Adju'lable Rile
Rldct.
....:;.fl;;.:~r~'.......,~s::.~
~,J..,~~.......... (Seal)
Helh.. L. s..lov.r ...,""
.
,; ..... .
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.... .....,.,1--...~{,JJ",
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'. .... i~.' "....
'. '.'.') Jfoff'
. ,;af..r
SIr.ln of Pennlylvlnla } 5S
.;.lIInlv 01 Cumberland
" . ""dod In lhe olllee'OI lhe ,oeotdlng 01 O..d.
"'k1/:ll'td lo($I'J'}borlond County. Pa.
1r/...t:.g,oot/UL!fllol. -=- Page_
wi In... my hand 0111I.",.1 o' o/1~oI 0.,
C;ub.alu. PA 'hi, ~&;II. day of' ) ~~
_~e<<.r, ~
Racerda
Srlltr of Pltnnlylvania }
County o. CUmberland 55
H.....ordld In 111. ollie. 'or lha 'eco'dlng 01 Cald.
lit r;!Id~O~arland County ~
10 ~ 1-- "~Vl
. n._PaQe-t..LO\
wlln. my hand an J a' 0' oUiee
Carloo'" PA Ihll dav 01 . 10..2,)
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ADJUSTABLE RATE NOTE
(lI Year Treasury Index-Rate Caps)
3
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.
...........'!.!!~.':!!!EX..)&............. 19...~.2 ...............N,l!.'!!..!;!,\l1JR,I',r;lMg............
(Cily)
...........I.'.\\nn.a~.l.v.llllJ.ll.....................
ISlalel
....................~.~~.?..~.'?.!!.~.::..~.~~~.!...~.~.sh.~.~~!?.!!!?~.~~.l...~!;.....J.?R~.?.............................................................................
I Property Addrcul
I. BORROWER'S PROMISE TO PAY
In relurn for a loan that I have received. I promise to pay U.S. $ !!?~.I.!?g.~.~g.~............. (lhis amount is called
"principal"). plus interest. to lhe order of lhe lender. The lender is ................................................................
HARRIS SAVINGS BANK
..............................................................................................................................................................................................."
I understand that the lender may transfer this Note. The lender or anyone who takes this NOle by transfer and who is
enlitled to receive payments under this Note is called the "Note Holder."
2. INTEREST
Inleresl will be charged on unpaid principal until the full amount of principal has been paid. I will pay inlerest at a
yearly rate of ...'l.25.......%. The interesl rate I will pay will change in accordance with Section 4 of this Note.
The interest rate required by this Seclion 2 and Section 4 of lhis Note is lhe rate I will pay both before and after any
default described in Section 7 (B) of this Note.
3. PAYMENTS
(A) Time and Place or Paymenl5
I will pay principal and inleresl by making payments every month.
I will make my monthly paymenls on the first day of each month beginning on .........~!!'.!:!:h...~........................... .
19 ....~.~.. I will make these payments every month unlill have paid all of the principal and interestand any other charges
described below that I may owe under this NOle, My monthly payments will be applied to interest before principal. If.
on ....f.!l.I?,J::!!,(l.J::lI...L.................. 20 ..U.... I still owe amounts under this Note. I will pay those amounts in full on that
date. which is called the "maturity date."
I will make my monthly payments at ..S!1,~,Qn"'..If...UIl.l\..S.tJ:!1.ets.,...lia.I:r.i.sbJJJ:g"...1!1l......l.7.1o.l..................
...............:........................................................ ............................................. ..................................... ......... or at a diff eren t
place if required by the Note Holder.
(B) Amount or My Initial Monthly Payments
Each of my initial monlhly payments will be in the amount of U.S. SfilXl...:lL............. This amount may change.
(C) .Monthly Payment Changes
Changes in my monthly payment will renect changes in the unpaid principal of my loan and in the interest rate that I
must pay. The Note Holder will delermine my new interest rate and the changed amount of my monthly payment in
accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of ...........f.!lR.t\littll................. 19 ~.s...... and on that day
every lblth month thereafter. Each date on which my inlerest rate could change is called a "Change Date."
(rf> The Index
Beginning witb the first Change Date. my interest rate will be based on an Index. The "Index' is the weekly average
yield on United Slates Treasury securities adjusted to a constant maturity of ~ year. as made available by the Federal
Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the
.Currenl.lndex."
MULTlSTATE ADJUSTABLE RATE NOTE-ARM 5-2-SingIe Famlly-Flllnl. Mae/Frlddl. Mac Uniform lnatnlmlnt
MTG FORM., 01 0 4190
Form 3502 3/85
E.'lHlBIT -B"
If the Index is no longer available, the Note Holder will choose a new index which is bucd upon comparable
information. The Note Holder will give me notice of this choice.
(C) Calculation of Chanlet
Before each Change Date, the NOle Holder will calculate my new interest rate by adding...:t'l!R...l\n~...!;hr.llll.7;
.....9.1;\!!!':.~.!!!':.l,l........... percentage points (..~:..??......%) to the Current Index. The Note Holder will then round the result
ofthisaddition 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 neXl Change Date.
The NOle Holder will then delermine the amount of lhe monthly paymenl that would be sufficient to repay the
unpaid principalthal I am expected to owe at the Change Dale in full on the maturity date at my new interesl rate in
subslantially equal paymenls. The result of lhis calculalion will be the new amount of my monthly payment.
_... OJ (I>) Umits on Inlerest rate Chanlet
~ The inlerest rate I am required to pay at the first Change Date will nOl be greater than ..;J,.i1.:.i!.~..........% or less than
lil-P 0 .....?:}'\\'i:iie..%. Thereafler, my i~t'O~st rate will never be increased or decreased on any single Change Date by more
IV~ than ~rcentage points (l!~}7from the rate of imereSl I have been paying for the preceding twelve months. My
interesl rate will never be greater lhan .J.~.,.?~.....%,
(E) Ell'cc:li.e Date of Chanles
My new interesl rate will become effective on each Change Date. I will pay the amount of my new monthly payment
beginning on the first 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 taw to be given me and
also the tille and telephone number of a person who will answer any question I may have rellarding the notice.
5. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of principal at any time before they arc due. A payment of principal only is
known as a "prepayment." When I make a prepayment, I will tell the NOle Holder in writing that I am doing so.
I may make a full prepayment or partial prepayments without paying any prepayment charge. The NOle Holder
will use all of my prepayments to reduce the amount of principal that J OWe under this Note: If I make a partial
prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in wriling
10 lhose changes. My partial prepayment may reduce the amount of my monthly payments after the first Change Date
following my partial prepayment. However, any reduclion 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 finally interpreted so that the interesl or
other loan charges collected or to be collecled in connection with this loan exceed the permined limits, then: (i) any such
loan charge shall be reduced by lhe amounl necessary to reduce the charge to the permined limit; and (ii) any sums
already collecled from me which exceeded permined limits will be refunded 10 me. The Note Holder may choose to
'makC'lhis refund by reducing lhe 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) laic Charges for O.erdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of ......~.u:1;Il.\l.n...................
calendar days afler the dale it is due, I will pay a late charge to the NOle Holder. The amount of the charge will be
.....,?,:,!?~.% of my oyerdue payment of principal and interest. I will pay this late charge promptly but only once on each
late payment.
(B) o.faull
If I do nOI pay the full amount of each monthly payment on the date it is due, I will be in defaull.
, .
, ,
"
(CI Notice of nelaull
II I am in defaull. the Note Holder may send me a wrillen notice telling me Ihat if I do nOI pay Ihe .overdue amounl
by a certain dale. Ihe NOle Holder may require me 10 pay immediately the full amOUnl of principal which has not been
paid and alllhe interestlhall owe on thai amount. Thai date must be at least 30 days afler Ihe date on which Ihe nOlice
is delivered or mailed to me,
( D) No Walter By Note Holder
Even if. at a time when I am in defaull. the NOle Holder does not require me to pay immediately in full as described
above. the Note Holder will still have the right 10 do so if I am in default at a later lime.
( E) Payment of Note Holder's Costs and Expenses
If the NOle Holder has required me to pay immediately in full as described above.lhe NOle Holder will have the right
to be paid back by me for all of its COSIS and expenses in enforcing Ihis Note to Ihe extent nOI prohibited by applicable law.
Those expenses include, for example, reasonable allorncys' fees.
g. GIVING OF NOTICFS
Unless applicable law requires a different method. any nOlice that must be given to me under Ihis Note will be given
by delivering it or by mailing it by first class mail to me atlhe Property Address above or al a different address if I give the
NOle Holder a notice of my differenl address.
Any notice that musl be given 10 the Note Holder under this Note will be given by mailing il by firsl class mail to the
NOle Holder atlhe address Slated in Section 3(A) above or at a differenl address if I am given a notice of that differenl
address,
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
lfmore than one person signs this NOle. each person is fully and personally obligated to keep all of the promises made
in this Note. includinglhe promise 10 pay Ihe full amount owed. Any person who is a guaranlor. surety or endorser of this
NOle is also obligated to do these things. Any person who takes over Ihese obligalions, including the obligations of a
guaranlor, surelY or endorser of this Note, is also obligaled to keep all of Ihe promises made in this Note. The Note
Holder may enforce its righlS under this Note against each person individually or againsl all of us together. This means
thai anyone of us may be required to pay all of lhe amounts owed under this NOle.
10. WAIVERS
I and any other person who has obligations under Ihis NOle waive the rights of presenlmenl and notice 01 dishonor.
"Presenlmenl" means the righllo require Ihe Note Holder to demand payment of amounts due. "Notice of dishonor"
means the righlto require lhe Note Holder 10 give nOlice to olher persons that amounts due have nOI been paid.
11. UNIFORM SECURED NOTE
This Note is a uniform inslrumenl with limited variations in some jurisdictions. In addition to the protections given
10 the NOle Holder under this Note, a Mortgage. Deed ofTrusl or Security Dced (the "Security Instrument"), dated the
same dale as Ihis NOle, protects the Note Holder from possible losses which might resull if I do nOI keep the promises
which I make in this Note. That Security Instrument describes how and under whal conditions I may be required to
make immediate paymenl in full of all amounls I owe under this Note. Some of Ihose conditions are described as follows:
Transfer of tbe Property or a Beneficial Interest In Borrower. Ir all or any part of the Property or any
inlerest in il 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 wrillen consenl, lender may, at its option, require immediate
payment in full of all sums secured by this Security Inslrument. However, this option shall nOI be exercised by
Lender if exercise is prohibited by federal law as of the dale of this Security Instrument. Lender also shall not
exercise this oplion if: (a) Borrower causes to be submilled to Lender information required by Lender to
evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably
delermines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of
any covenant or agreement in this Security Instrument is acceptable to Lender.
To the extent permitted by applicable law, Lender may charge a reasonable lee as a condition to Lender's
conlentto the loan assumption. Lender may also require the transferee to sign an assumplion agreemenlthat is
acceptable to Lender and Ihat obligates the transferee to keep all the promises and agreements made in tbe Note
and in this Security Instrument. Borrower will conlinue 10 be obligaled under Ihe NOle and Ibis Security
Inslrumenl unless Lender releases Borrower in wriling.
, '.
It Lender exercises the oplion to require immediate payment in tull. Lender shallaive Borrower notice ot
acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or
mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower f.i1sto pay
these sums prior to the expiration of this period. Lender may invoke any remedies permitted by this Security
Instrument without further nOlice or demand on Borrower.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
Witness: .................................~~f~.~!................;;::::,..... (Seal)
u e . u. .,eaJ.over -Borrower
......................~..r!.,.~..(Seal)
Melissa L. Sealover -Borrower
~
'J_~
........................................................................................................... (Seal)
-Borrower
ISlgn Original Only}
.,
IDHARRIS~
.D SAVINGS BANK
1
,
Second and Pine Streels
P.O. Box 1711
Harrisburg, Pennsylvania 17105.1711
717/236-4041
March 14, 1994
COVER LEITER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Jeff D. Sealover
6107 Locust Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
Enclosed herewith is 1he Notice of Intent of Foreclosure as required by Act 6. You have
previously received a Notice under Act 91 of 1983 which set out certain rights and remedies
available to you as a mortgagor in default.
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain additional
remedies which are independent of any remedies and rights you have under Act 91. The total
of your rights includes both your rights.
Very truly yours,
Stacy Matala
Collection Counselor
SM/sjc
Enclosure:
EXHIBIT "C.
.~......~/"
IDHARRIS~
JJl SAVINGS BANK
Second and Pine Streels
P.O. Ilox 1711
Harrisburg, Pennsylvania 17105-1711
717/236.4041
March 14, 1994
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Jeff D. Sealover
6107 Locust Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 6107 Locust Lane, Mechanicsburg, PA 17055 SERIOUS DEFAULT
because you have not made payments of Sl,067.oo due for the months of January, February,
and March, 1994. Late charges (and other charges) have also accrued to this date in the amount
of $87.36. The total amount now required to cure this default, or in other words, get ,<;aught up
in your payments, as of the date of this letter is $3,288.36.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying
to us the above amount of $3,288.36 plus any additional monthly payments which may fall due
during this period. Such payment must be made either by CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our
right to accelerate the mortgage payments. This means that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly installments. If full payment of the amount of default is not
made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your property will be sold
by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure
the default before they begin legal proceedings against you, you will still have to pay the
reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are
started against you, you will have to pay the reasonable attorney's fees even if they are over
$50.00. Any attorneys fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be
required to pay attorneys fees. We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
"
. .
If you have not cured the default within the thirty day period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at any time up to one
hour before the sherifrs foreclosure sale. You may do so by pay.ing the total amount of the
unpaid monthly payments plus any late or other charges then due, as the reasonable attorney's
fees and costs connected with the foreclosure sale (and perform any other requirements under
the mortgage). It is estimated that the earliest date that such a sherifrs sale could be held would
be approximately September 7, 1994. A notice of the date of the sherifrs sale will be sent to
you before the sale. Of course, the amount needed to cure the default will increase the longer
you wait. You may find out at any time exactly what the required payment will be by calling
US at the following number: 231-2917. This payment must be in CASH, CASHIER'S CHECK, '
CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above.
You should realize that a sherifrs sale will end your ownership of the mortgaged
property and your right to remain in it. If you continue to live in the property after the sherifrs
sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE
THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS
ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO
HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default
had occurred. However, you are not entitled to this right to cure your default more than three
till,les in any calendar year.
Sincerely yours,
Jack W. Shader, Jr.
Collection & REO Manager
JWS/sjc
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IUHARRIS~
.D. SAVINGS BANK
. .
Second and Pine Streets
1',0. Dox 1711
lIarrisburll. Pennsylvania 17105.1711
717/236-4041
March 14, 1994
COVER LE'ITER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Jeff D. Sea10ver
922 Bonny Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
Enclosed herewith is the Notice of Intent of Foreclosure as required by Act 6. You have
previously received a Notice under Act 91 of 1983 which set out certain rights and remedies
available to you as a mortgagor in default.
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain additional
remcdiC3 which are Independent of any remedies and rights you have under Act 91. The total
of your rights includes both your rights.
Very truly yours,
Stacy Matala
Collection Counselor
SM/sjc
Enclosure:
Second and Pine Slreel~
P.O. Box 1711
H.rrisburg. Pennsylv.nio 17IU5.1711
717/236-1041
','
IOHARRIS~
Ii) SAVINGS BANK
March 14, 1994
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Jeff D. Sealover
922 Bonny Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 6107 Locust Lane, Mechanicsburg, PA 17055 SERIOUS DEFAULT
because you have not made payments of $1,067.00 due for the months of January, February,
and March, 1994. Late charges (and other charges) have also accrued to this date in the amount
of $87.36. The total amount now required to cure this default, or in other words, get caught up
in your payments, as of the date of this letter is $3,288.36.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying
to us the above amount of $3,288.36 plus any additional monthly payments which may fall due
during this period. Such payment must be made either by CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our
right to accelerate the mortgage payments. This means that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly installments. If full payment of the amount of default is not
made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your property will be sold
by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure
the default before they begin legal proceedings against you, you will still have to pay the
reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are
started against you, you will have to pay the reasonable attorney's fees even if they are over
$50.00. Any attorneys fees will be added to whatever you owe us, Wldch may also include our
reasonable costs. If you cure the default within the THIRTY (30) DA Y period, you will not be
required to pay attorneys fees. We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
. .
IC you have not cured the default within the thirty day period and foreclosure proceedings
have beaun, you stili have the right to cure the default and prevent the sale at any time up to one
hour before the sherlfrs foreclosure sale. You may do so by pay\ng the total amount of the
unpaid monthly payments plus any late or other charges then due, as the reasonable attorney's
fees and costs CQnnccted with the foreclosure sale (and perform any other requirements under
the mortgage). It Is estimated that the earliest date that such a sherifr s sale could be held would
be approximately September 7, 1994. A notice of the date of the sherifrs sale will be sent to
you before the sale. Of course, the amount needed to cure the default will increase the longer
you walt. You may find out at any time exactly what the required payment will be by calling
us at the following number: 231-2917. This payment must be in CASH, CASHIER'S CHECK, .
CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above.
You should realize that a sherifrs sale will end your ownership of the mortgaged
property and your right to remain in it. If you continue to live in the property after the sherifrs
sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE
THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECf TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS
ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTACf US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO
HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACfING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default
had occurred. However, you are not entitled to this right to cure your default more than three
times in any calendar year.
Sincerely yours,
Jack W. Shader, Jr.
Collection & REO Manager
JWS/sjc
.,
.'
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8 922 Bonny Lane
~ Mechanicsburg, PA 17055
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IDHARRIS~
n SAVINGS BANK
Second and Pine Streets
P.O. Box 1711
Harrisburg. Pennsylvania 17105-1711
717/236-4041
March 14, 1994
COVER LEITER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Melissa L. Sea10ver
6107 Locust Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
Enclosed herewith is the Notice of Intent of Foreclosure as required by Act 6. You have
previously received a Notice under Act 91 of 1983 which set out certain rights and remedies
available to you as a mortgagor in default.
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain additional
remedies which are independent of any remedies and rights you have under Act 91. The total
of your rights includes both your rights.
Very truly yours,
Stacy Matala
Collection Counselor
SMlsjc
Enclosure:
EXHIBIT "0"
IOHARRIS~
D SAVINGS BANK
Second and Pine Streets
P.O. Box 1711
HarrisburH. Pennsylvania 17105-1711
717/236-1041
March 14, 1994
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Melissa L. Sealover
6107 Locust Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 6107 Locust Lane, Mechanicsburg, PA 17055 SERIOUS DEFAULT
because you have not made payments of $1,067.00 due for the months of January, February,
and March, 1994. Late charges (and other charges) have also accrued to this date in the amount
of $87.36. The tolal amount now required to cure this default, or in other words, gct caught up
in your payments, as of the date of this letter is $3,288.36.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying
to us the above amount of $3,288.36 plus any additional monthly payments which may fall due
during this period. Such payment must be made either by CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our
right'to accelerate the mortgage payments. This means that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly inslallments. If full payment of the amount of default is not
made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your property will be sold
by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure
the default before they begin legal proceedings against you, you will still have to pay the
reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are
started against you, you will have to pay the reasonable attorney's fees even if they are over
$50.00. Any attorneys fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be
required to pay attorneys fees. We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
.'
'1
If you have not cured the default within the thirty day period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at any time up to one
hour before the sherifrs foreclosure sale. You may do so by paying the total amount of the
unpaid monthly payments plus any late or other charges then due, as the reasonable attorney's
fees and costs connected with the foreclosure sale (and perform any other requirements under
the mortgage). It is estimated that the earliest date that such a sherifrs sale could be held would
be approximately September 7, 1994. A notice of the date of the sherifrs sale will be sent to
you before the sale. Of course, the amount needed to cure the default will increase the longer
you wait. You may find out at any time exactly what the required payment will be by calling
us at the following number: 231.2917. This payment must be in CASH, CASHIER'S CHECK,'
CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above.
You should realize that a sherifrs sale will end your ownership of the mortgaged
property and your right to remain in it. If you continue to live in the property after the sherifrs
sale. a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE
THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECf TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS
ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS
UNDER TIlE MORTGAGE ARE SATISFIED). CONTACf US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO
HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACfING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default
had occurred. However, you are not entitled to this right to cure your default more than three
ti!1les in any calendar year.
Sincerely yours,
Jack W. Shader, Jr.
Collection & REO Manager
JWS/sjc
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IDHARRIS~
IiI SAVINGS BANK
Second and Pine Streets
P.O. 130x 1711
Harrisburg. Pennsylvania 17105-1711
717/236-4041
March 14, 1994
COVER LEITER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Melissa L. Seal over
922 Bonny Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
Enclosed herewith is the Notice of Intent of Foreclosure as required by Act 6. You have
previously received a Notice under Act 91 of 1983 which set out certain rights and remedies
available to you as a mortgagor in default.
The enclosed Act 6 Notice of Intention to Foreclose gives you notice of certain additional
remedies which are independent of any remedies and rights you have under Act 91. The total
of your rights includes both your rights.
Very truly yours,
Stacy Matala
Collection Counselor
SM/sjc
Enclosure:
IUHARRIS@
n SAVINGS BANK
Second and Pine Streets
P.O. Box 1711
Harrisburg, Pennsylvania 17105.1711
717 n36-4041
March 14, 1994
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Melissa L. Sealover
922 Bonny Lane
Mechanicsburg, PA 17055
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 6107 Locust Lane, Mechanicsburg, PA 17055 SERIOUS DEFAULT
because you have not made payments of $1,067.00 due for the months of January, February,
and March, 1994. Late charges (and other charges) have also accrucd to this date in the amount
of $87.36. The total amount now required to cure this default, or in other words, get caught up
in your payments, as of the date of this letter is $3,288.36.
You may cure this default within THIRTY (30) DAYS of the date of this leller, by paying
to us the above amount of $3,288.36 plus any additional monthly payments which may fall due
during this period. Such payment must be made either by CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER, and made at any of our offices.
. If you do not cure the default within THIRTY (30) DAYS, we intend to t. Jur
right to accelerate the mortgage payments. This means that whatever is owing on the onginal
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly inslalhnents. If full payment of the amount of default is not
made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your property will be sold
by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure
the default before they begin legal proceedings against you, you will still have to pay the
reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are
started against you, you will have to pay the reasonable attorney's fees even if they are over
S50.oo. Any attorneys fees will be added to whatever you owe us, which may also include our
reaSonable costs. If you cure the default within the THIRTY (30) DA Y period, you will not be
required to pay attorneys fees. We may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at any time up to one
hour before the sherifrs foreclosure sale. You may do so by payi.ng the total amount of the
unpaid monthly payments plus any late or other charges then due, as the reasonable attorney's
fees and costs connected with the foreclosure sale (and perform any other requirements under
the mortgage). It is estimated that the earliest date that such a sherifrs sale could be held would
be approximately September 7, 1994. A notice of the date of the sherifrs sale will be sent to
you before the sale. Of course, the amount needed to cure the default will increase the longer
you wait. You may find out at any time exactly what the required payment will be by calling
us at the fOllowing number: 231-2917. This payment must be in CASH, CASHIER'S CHECK,
CERTIFIED CHECK OR MONEY ORDER and made payable to us at the address stated above.
You should realize that a sherifrs sale will end your ownership of the mortgaged
property and your right to remain in it. If you continue to live in the property after the sherifrs
sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE
THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAYOFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS
ARE PAID PRIOR TO OR AT THE SALE. AND THAT THE OTHER REQUIREMENTS
UNDER THE MORTGAGE ARE SATISFIED). CONTAC1' US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO
HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default
had occurred. However, you are not entitled to this right to cure your default more than three
tim~ in any calendar year.
Sincerely yours,
Jack W. Shader, Jr.
Collection & REO Manager
IWS/sjc
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IOHARRIS~
.D SAVINGS BANK
Second and Pine Slreels
P.O. Dox 1711
Harrisburg, I'ennsylvania 17105.1711
717rlJG-4041
March 14, 1994
RE: Account Number: 0150023564
TO: Jeff D. Sea1over, 6107 Locust Lane, Mechanicsburg, PA 17055
FROM: Harris Savings Bank, 2nd & Pine Streets, Harrisburg, PA 17101
Your mortgage is in serious default because you have failed to pay promptly installments
of principal and interest, as required, for a period of at least sixty (60) days. The total of the
delinquency is $3,288.36. That sum includes the following: Payments of $1,067.00 for the
months of January, February, and March, 1994 plus late charges totaling $87.36.
You may be eligible for financial assistance that will prevent foreclosure on your mortgage
if you comply with the provisions of the Homeowner's Emergency Assistance Act of 1983. You
may be eligible for emergency temporary assistance if your default has been caused by
circumstances beyond your control and if you meet the eligibility requirements of the Act as
determined by the Pennsylvania Housing Finance Agency. Please read all of this notice, it
contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this notice. During that time you have the right to arrange a
"face-te-face" meeting with a designated consumer credit counseling agency. The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency.
That meeting must occur in the next thirty (30) days.
If you attend a face-to-face meeting with a consumer credit counseling agency identified in
this notice, no further proceedings in mortgage foreclosure may take place thirty (30) days after
the date of that meeting.
The name, address and telephone number of our representative is:
Stacy Matala, Collection Counselor
Harris Savings Bank, Second & Pine Streets, Harrisburg, PA 17101
Telephone Number: 231-2907.
EXHIBIT "E"
, ,-';.!lII;i-'4
(2)
The name and address of a designated consumer credit counseling agency is:
Urban League Of Metropolitan Hbg.
2S North Front St.
Harrisburg, PA 17101
Telephone Number: 717-234-5925
It is only necessary to schedule one face-to-face meeting. You should advise this lender'
immediately of your intentions.
If you have tried and arc unable to resolve this problem at or after your face-te-face
meeting, you have the right to apply for financial assistance from the Homeowners Emergency
Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application. It must be filed or postmarked
within Thirty (30) Days of your face-lo-face meeting.
You must either mail your application to the Pennsylvania Housing Finance Agency or
you must file it at the office of the designated consumer credit counseling agency listed above.
The Pennsylvania Housing Financing Agency is located at 2101 N. Front Street, P. O.
Box 8029, Harrisburg, PA 17105. Telephone Number is (717) 780-3800 or 1-800-342-2397
(toU free).
An application for assistance may be obtained from this lender, for a consumer credit
counseling agency or directly from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application promptly. If you do not do so
or if you do not follow the other time periods set forth in this leller, foreclosure may proceed
a&ainst your home immediately.
Available funds for emergency mortgage assistance is very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every respect.
The counseling agency will help you to fill out the application. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During
that additional time, no foreclosure proceedings will be pursued against you if you have metlhe
time requirements set forth above. You will be notified directly by that Agency of its decision
on your application.
.
In addition you wll1 receive another notice from this lender under Act 6 of 1974. That
notice Is called a "Notice of Intention to Foreclosc". You must read both notices since they' both'
explain rights that you now have under Pennsylvania law. However, if you choosc to exerclsc
your rights described in this notice, we cannot foreclosc upon you during that time. Also, if you
receive financial assistance from the Pennsylvania Housing Finance Agency, your home cannot
be foreclosed upon while you are receiving that assistance.
Very truly yours,
Stacy MataIa
Collection Counselor
SM/sjc
0,
IUHARRIS~
D SAVINGS BANK
Second and Pine Streets
P.O. Box 1711
Harrisburg. PeMsylvania 17105.1711
717/236-4041
March 14, 1994
The subscriber below of the U. S. Post Officc located at the Federal Building, 228
Walnut Street, Harrisburg, PA, docs hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank, addressed to Jeff D. Sea1over, 6107
Locust Lane, Mcchanicsburg, PA 17055 was properly deposited in the U. S. Mail for delivery
this 14th day of March. 1994.
~+::-E'~ '
R~, BY'~~ ~ ~
u~'t :~,.:a
50 .,... ..;..y.2 Federal Building
....~ .
H~sburg, PA
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IDHARRIS@
IiI SAVINGS BANK
Second and Pine Streets
P.O. Dox 1711
Harrisburg, Pennsylvania 17105-1711
717/236-4041
March 14, 1994
RE: Account Number: 0150023564 PROP. ADD: 6107 Locust Lane,
Mechanicsburg, PA 17055
TO: Ieff D. Sea1over, 922 Bonny Lane, Mechanicsburg, PA 17055
FROM: Harris Savings Bank, 2nd & Pine Streets, Harrisburg, PA 17101
Your mortgage is in serious default because you have failed to pay promptly installments
of principal and interest, as required, for a period of at least sixty (60) days. The total of the
delinquency is $3,288.36. That sum includes the following: Payments of $1,067.00 for the
months of Ianuary, February, and March, 1994 plus late charges totaling $87.36.
You may be eligible for financial assistance that will prevent foreclosure on your mortgage
if you comply with the provisions of the Homeowner's Emergency Assistance Act of 1983. You
may be eligible for emergency temporary assistance if your default has been caused by
circumstances beyond your control and if you meet the eligibility requirements of the Act as
detennined by the Pennsylvania Housing Finance Agency. Please read all of this notice, it
contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this notice. During that time you have the right to arrange a
.facc-to-face. meeting with a designated consumer credit counseling agency. The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency.
That meeting must occur in the next thirty (30) days.
If you attend a face-to-face meeting with a consumer credit counseling agency identified in
this notice, no further proceedings in mortgage foreclosure may take place thirty (30) days after
the date of that meeting.
The name, address and telephone number of our representative is:
Stacy Matala, Collection Counselor
Harris Savings Bank, Second & Pine Streets, Harrisburg, PA 17101
Telephone Number: 231-2907.
'.
, ,
(2)
The name and address of a designated consumer credit counseling agency is:
Urban League Of Metropolitan Hbg.
2S North Front St.
Harrisburg, PA 17101
Telephone Number: 717-234-5925
It is only necessary to schedule one face-to-face meeting. You should advise this lender'
immediately of your intentions.
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowners Emergency
Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application. It must be filed or postmarked
within Thirty (30) Days of your face-to-face meeting.
You must either mail your application to the Pennsylvania Housing Finance Agency or
you must file it at the office of the designated consumer credit counseling agency listed above.
The Pennsylvania Housing Financing Agency is located at 2101 N. Front Street, P. O.
Box 8029, Harrisburg, PA 17105. Telephone Number is (717) 780-3800 or 17800-342-2397
(toll free).
An application for assistance may be obtained from this lender, for a consumer credit
counseling agency or directly from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application promptly. If you do not do so
or if you do not follow the other time periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available funds for emergency mortgage assistance is very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every respect.
The counseling agency will help you to fill out the application. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision afler it receives your application. During
that additional time, no foreclosure proceedings will be pursued against you if you have met the
time requirements set forth above. You will be notified directly by that Agency of its decision
on your application.
. .
'.
, ,
,',
'.
In addition you will rcc:eive another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Foreclose" . You must read both notices since they' both'
explain rights that you now have under Pennsylvania law. However, if you choose to exercise
your rights described in this notice, we cannot foreclose upon you during that time. Also, if you
rcc:eive fmancial assistance from the Pennsylvania Housing Finance Agency, your home cannot
be foreclosed upon while you are receiving that assistance.
Very truly yours,
Stacy Matala
Collection Counselor
"
SMlsjc
.
IOHARRIS$
D SAVINGS BANK
,
Second and Pine Streets
P.O. Box 1711
Harrisburg. PeMsylvania 17105-1711
717/236-4041
March 14, 1994
The subscriber below of the U. S. Post Office located at the Federal Building, 228
Walnut Street, Harrisburg, PA, does hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank, addressed to Jeff D. Sea1over, 922
Bonny Lane, Mechanicsburg, PA 17055 was properly deposited in the U. S. Mail for delivery
this 14th day of March, 1994.
~'_ "{ tl.s.~ '.
. P::;)3 By: ~'(~
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50r~'~'ibY~~e~ Building
,,;: :': Harrisburg, PA
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IDHARRIS~
.D. SAVINGS BANK
Second and Pine SlreelJ
P.O. Box 1711
Harrisburg, Pennsylvania 17105-1711
717/236-4041
March 14, 1994
RE: Aecount Number: 0150023564
TO: Melissa L. Sealover, 6107 Locust Lane, Mechanicsburg, PA 17055
FROM: Harris Savings Bank, 2nd & Pine Streets, Harrisburg, PA 17101
Your mortgage is in serious default because you have failed to pay promptly inslallments
of principal and interest, as required, for a period of at least sixty (60) days. The tola! of the
delinquency is $3,288.36. That sum includes the following: Payments of $1,067.00 for the
months of January, February, and March, 1994 plus late charges tolaling $87.36.
You may be eligible for financial assistance that will prevent foreclosure on your mortgage
if you comply with the provisions of the Homeowner's Emergency Assistance Act of 1983. You
may be eligible for emergency temporary assistance if your default has been caused by
circumstances beyond your control and if you meet the eligibility requirements of the Act as
determined by the Pennsylvania Housing Finance Agency. Please read all of this notice, it
contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
t1Urty (30) days from the date of this notice. During that time you have the right to arrange a
"face-to-face" meeting with a designated consumer credit counseling agency. The purpose of
that meeting is to attempt to work out a rcpayment plan, or to otherwise sl:Ule your delinquency.
That meeting must occur in the next thirty (30) days. '
If you attend a face-to-face meeting with a consumer credit counseling agency identified in
this notice, no further proceedings in mortgage foreclosure may take place thirty (30) days after
the date of that meeting.
The name, address and telephone number of our representative is:
Stacy Malala, Collection Counselor
Harris Savings Bank, Second & Pine Streets, Harrisburg, PA 17101
Telephone Number: 231-2907.
EXHlBIT"F"
.
"
(2)
The name and address of a designated consumer credit counseling agency is:
Urban League Of Metropolitan Hbg.
2S North Front St.
Harrisburg, PA 17101
Telephone Number: 717-234-5925
It is only necessary to schedule one face-to-face mccting. You should advise this lender'
immediately of your intentions.
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowners Emergency
Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application. It must be filed or postmarked
within Thirty (30) Days of your face-to-face meeting.
You must either mail your application to the Pennsylvania Housing Finance Agency or
- you must file it at the office of the designated consumer credit counseling agency listed above.
The Pennsylvania Housing Financing Agency is located at 2101 N. Front Street, P. O.
Box 8029, Harrisburg, PA 17105. Telephone Number is (717) 780-3800 or 1-800-342-2397
(toll free).
An application for assistance may be obtained from this lender, for a consumer credit
counseling agency or directly from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application promptly. If you do not do so
or if you do not follow the other time periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available funds for emergency mortgage assistance is very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every respect.
The counseling agency will help you to fill out the application. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it.receives your application. During
that additional time, no foreclosure proceedings will be pursued against you if you have met the
time requirements set forth above. You will be notified directly by that Agency of its decision
on your application.
'.
, ,
In addition you will receive another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Forcclose". You must read both notices since they both.
explain rights that you now have under Pennsylvania law. However, if you choose to exercise
your rights described in this notice, we cannot foreclose upon you during that time. Also, if you
receive fmancial assistance from the Pennsylvania Housing Finance Agency, your home cannot
be foreclosed upon while you are receiving that assistance.
Very truly yours,
Slacy Matala
Collection Counselor
SM/sjc
.
.,
IUHARRIS~
IiI SAVINGS BANK
I
Second and Pine Streets
P.O. Box 1711
Harrisburg, PeMsylvania 17105-1711
717/236-4041
March 14, 1994
The subscriber below of the U. S. Post Office located at the Federal Building, 228
Walnut Street, Harrisburg, PA, does hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank, addressed to Melissa L. Sea1over,
6107 Locust Lane, Mechanicsburg, PA 17055 was properly deposited in the U. S. Mail for
delivery this 14th day of March, 1994.
,~~C'~1-
50 ~ ..~;.' Federal Building
Harnsburg, PA
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IOHARRIS~
D SAVINGS BANK
,
.
Second and Pine Slreels
P.O. Box 1711
Harrisburg. Pennsylvania 17105-1711
717/236-4041
March 14, 1994
RE: Accoun1 Number: 0150023564 PROP. ADD: 6107 Locust Lane,
Mechanicsburg, PA 17055
TO: Melissa L. Sealover, 922 Bonny Lane, Mechanicsburg, PA 17055
FROM: Harris Savings Bank, 2nd & Pine Streels, Harrisburg, PA 17101
Your mortgage is in serious default because you have failed to pay promptly installmenls
of principal and interes1, as required, for a period of at least sixty (60) days. The total of the
delinquency is $3,288.36. That sum includes the following: Payments of $1,067.00 for Ihe
months of January, February, and March, 1994 plus late charges totaling $87.36.
You may be eligible for financial assistance that will prevent foreclosure on your mortgage
if you comply with the provisions of the Homeowner's Emergency Assistance Act of 1983. You
may be eligible for emergency temporary assistance if your default has been caused by
circumstances beyond your control and if you meet the eligibility requiremenls of the Act as
determined by the Pennsylvania Housing Finance Agency. Please read all of this no lice, it
contains an explanation of your rights.
, Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the dale of this notice. During thaI time you have the right to arrange a
"facc-to-face" meeting wilh a designated consumer credit counseling agency. The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency.
That meeting must oc;:cur in the next thirty (30) days.
If you attend a facc-to-face meeting with a consumer credit counseling agency identified in
this notice, no further proceedings in mortgage foreclosure may lake place thirty (30) days after
the date of that meeting.
The name, address and telephone number of our representative is:
Stacy Matala, Collection Counselor
Harris Savings Bank, Second & Pine Streels, Harrisburg, PA 17101
Telephone Number: 231-2907.
A
r-
I
I
.~Y4.-..,.f".'
",
(2)
The name and address of a designated consumer credit counseling agency is:
Urban League Of Metropolitan Hbg.
25 North Front St.
Harrisburg, PA 17101
Telephone Number: 717-234-5925
It is only necessary to schedule one face-to-face meeting. You should advise this lender '
immediately of your intentions.
If you have tried and are unable to resolve this problem at or after your face-ta-face
meeting, you have the right to apply for financial assistance from the Homcowners Emergency
Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application. It must be filed or postmarked
within Thirty (30) Days of your face-to-face meeting.
You must either mail your application to the Pennsylvania Housing Finance Agency or
you must file it at the office of the designated consumer credit counseling agency listed above.
The Pennsylvania Housing Financing Agency is located at 2101 N. Front Street, P. O.
Box 8029, Harrisburg, PA 17105. Telephone Number is (717) 780-3800 or 1-800-342-2397
(toll free).
An application for assistance may be obtained from this lender, for a consumer credit
counseling agency or directly from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application promptly. If you do not do so
or if you do not follow the other time periods set forth in this letter, foreclosure may proceed
ag~nst your home immediately.
Available funds for emergency mortgage assistance is very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely, important that your application is accurate and complete in every respect.
The counseling agency will help you to fill out the application. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During
that additional time, no foreclosure proceedings will be pursued against you if you have met the
time requirements set forth above. You will be notified directly by that Agency of its decision
on your application.
~.
i'
~,~':"..!
...
, .
"
In addition you will receive another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Foreclose". You must read both notices since they' both.
explain rights that you now have under Pennsylvania law. However, if you choose to exercise
your rights described in this notice, we cannot foreclose upon you during that time. Also, if you
receive fmancial assistance from the Pennsylvania Housing Finance Agency, your home cannot
be foreclosed upon while you are receiving that assistance.
Very truly yours,
Stacy Matala
Collection Counselor
SM/sjc
.
. .
...'
IDHARRIS~
IiI SAVINGS BANK
Second and Pine Streets
1'.0. 80x 1711
Harrisburg. PeMsylvania 17105-1711
717/236-4041
March 14. 1994
The subscriber below of the U. S. Post Office located at the Federal Building. 228
Walnut Street. Harrisburg. PA, does hereby certify that an envelope was mailed with postage
repaid by First Class Mail from the Harris Savings Bank. addressed to Melissa L. Sealover. 922
Bonny Lane. Mechanicsburg. PA 17055 was properly deposited in the U. S. Mail for delivery
this 14th day of March, 1994.
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Defendants.
IN MORTGAGE FORECLOSURE
HARRIS SAVINGS DANK,
: IN THE COURT OF COMMON PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAI~
vs.
JEFF D. SEALOVER and ~IELISSA L.
SEALOVER, his wife,
NO.: 94-2237 Civil Term
TO THE PROTHONOTARY:
Please enter Judgment in favor of the Plaintiff and against
the Defendants, JEFF D. SEALOVER and MELISSA L. SEAL OVER for
failure to file an answer or any other pleading to the Plaintiff's
Complaint within twenty (20) days from service thereof, in rem,
for foreclosure and sale of the mortgaged property and in personam
in the amount of $113,737.83, and assess Plaintiff's damages as
follows:
Principal through 4/30/94:
Interest from 4/30/94 to 10/07/94:
Late Charges:
Attorney's collection fee:
TOTAL
DATED: Q t"UXP t-
V1
$103,916.64
$ 4,346.10
$ 280.09
$ 5,195.00
$113,737.83
, 1994
R~ESQUIRE
Attorney for Plaintiff
1. D. No.: 09729
AND HOW, AL , 1994, Judgment is entered in
favor of the P1ai iff and against JEFF D. SEALOVER and MELISSA L.
SEALOVER the Def dants, in rem for foreclosure and sale of the
mortgaged prope y, and in personam in the amoun o~ $113,737.83.
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UARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
:
Plaintiff,
CIVIL ACTION - LAW
vs.
v V
JEFF D. SEAL OVER and MELISSA L.
SEALOVER,
NO.: 94-2237 Civil Term
Defendants.
IN MORTGAGE FORECLOSURE
PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENTS)
Pa.R.C.P. 3101 to 3149
To the Prothonotary: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER,
(1) Directed to the Sheriff of Cumberland County, Pennsylvania;
(2) against JEFF D. SEALOVER and MELISSA L. SEALOVER Defendants;
(3) and index this Writ against JEFF D. SEALOVER and MELISSA L.
SEALOVER Defendants, as a lis pendens against the real
property of the Defendant as follows:
ALL that certain tract of land, together with the improvements
thereon erected, situate in the Township of Hampden, County of
Cumberland and State of Pennsylvania, being known as 6107 Locust
Lane, Mechanicsburg, Pennsylvania, 17055, and more specifically set
forth in Exhibit "A" attached hereto and made a part hereof by
reference.
(4) Amount due:
$113,737.83, plus costs.
DATED:
4/1/XL
(/
'7-
, 1994
'k
aBERT E.~ ESQUIRE
Attorney for Plaintiff
I. D. No.: 09729
.
..
LEGAL DESCRIPTION
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
si tuate in Hampden
more particularly
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left with a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line between Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds I~est a distance of 100.00
feet to a point on the South side of Locust Lane, the point and
place of BEGINNING.
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Hisc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "A"
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HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 civil Term
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF MORTGAGE FORECLOSURE
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF YORK )
PURSUANT TO Pa.R.C.P. No. 3129.1, the Plaintiff, HARRIS
SAVINGS BANK, by its Attorney, Robert E. Myers, Esquire, makes this
Affidavit that the last known address of the Defendants is as
follows: 922 Bonny Lane, Mechanicsburg, Pennsylvania, 17055.
Further deponent saith that the said address is believed to
be the last known address of the owners or reputed owners of the
said property levied upon in the within captioned matter. Further
deponent saith not.
/l
ClAn ~.- - /1/
IfOBE';;l/~~RS, ESQUIRE
me this
, 1994.
My Commission
NolanaI Seal
I<alHttn 0 !lnydo<, Notary Pullic
FIlirVitw 1Y.p.. Yor1< Counly
My Con,""",,," Expires Juno 9, 1996
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HARRIS SAVINGS BANK,
: IN THE COURT OF COMMON PLEAS
: CUHBERLAND COUNTY, PENNSYLVANIA
:
.
.
Plaintiff,
: CIVIL ACTION - LAW
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 Civil Term
.
.
Defendants.
IN MORTGAGE FORECLOSURE
AFFIDAVIT PURSUANT TO PA.R.C.P. NO. 3129.1
HARRIS SAVINGS BANK, the Plaintiff in the above action, sets
forth as of the date the Praecipe for Hrit of Execution was filed,
the following information concerning the real property located at
6107 Locust Lane, Mechanicsburg, Hampden Township, Cumberland
County, Pennsylvania, 17055, more particularly set forth on Exhibit
"A" attached hereto and made a part hereof by reference.
1. Names and addresses of Owners or Reputed Owners:
JEFF D. SEALOVER and MELISSA L. SEALOVER
922 Bonny Lane
Mechanicsburg, PA 17055
2. Names and addresses of Defendants in the Judgment:
JEFF D. SEALOVER and MELISSA L. SEALOVER
922 Bonny Lane
Mechanicsburg, PA 17055
.
" ...
3. Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Universal Suppliers, Inc. Judgment
P. O. Box 327 Entered: 2/1/93
R. D. U 3811 Civil 1993
Se1insgrove, PA 17870 $20,024.58
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1548-94
Mifflin, PA 17058 $4,272.59
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1549
Mifflin, PA 17058 $6,379.92
Truss-Tech Judgement
504 Railroad Avenue Entered: 3/29/94
Box Q 1550-94
Mifflin, PA 17058 $7,022.02
4. Name and address of the last recorded holder of every
mortgage of record:
Harris Savings Bank
Second and pine Streets
Harrisburg, PA 17101
Mtg. Dated: 1/16/92
Mtg. Recorded: 1/17/92
Mtg. Book 1043, Page 392
$102,000.00
Cumberland County
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
Mtg. Dated: 1/8/90
Mtg. Recorded: 1/10/90
Mtg. Book 963, Page 977
$25,000.00
Cumberland County
5. Name and address of every other person who has any record
lien on their property:
None.
6.
interest
sale:
Name and address of every other person who has any record
in the property and whose interest may be affected by the
None.
,
7. Name and address of every other person of whom the
Plaintiff has knowledge who has any interest in the property which
may be affected by the sale:
None.
I verify that the statements made in this Affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn
falsification to authorities.
DATED:
June ::r
, 1994
QZl~. ESQUIRE
Attorney for Plaintiff
".
LEGAL DESCRIPTION
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left wi,th a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line betwe~n Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds West a distance of 100.00
feet to a point on the South side of Locust Lane, the point and
place of BEGINNING.
situate in Hampden
more particularly
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Misc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "A"
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CIVIL ACTION - LAW
HARRIS SAVINGS BANK,
: IN THE COURT OF COMHON PLEAS
: CmlBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
vs.
JEFF D. SEALOVER and MELISSA L.
SEALOVER, his wife,
NO.: 94-2237 civil Term
:
Defendants.
IN MORTGAGE FORECLOSURE
NOTICE OF SHERIFF I S SALE OF REAL ESTATE
UNDER PA.R.C.P. NO. 3129
TO: JEFF D. SEALOVER and MELISSA L. SEALOVER:
TAKE NOTICE TO THE FOLLOWING:
1. The premises whicr. are subject to be sold at the
Sheriff's Sale in the above-captioned action is 6107 Locust Lane,
Mechanicsburg, Hampden Township, Cumberland County, Pennsylvania,
17055. A complete description is in Exhibit "A" which is attached
hereto and made a part hereof.
2. The improvements situate on the premises consist of a two
story detached brick and vinyl dwelling with an attached two car
garage.
3. The Judgment of the Court on which this sale is being
held is entered to No. 94-2237 Civil Term.
4. The names of the owners are: Jef f D. Sea10ver and
Melissa L. Sea10ver, whose last known address is 922 Bonny Lane
Mechanicsburg, Cumberland CountYr Pennsylvania, 17055.
5. The time and place of the Sheriff's Sale is 10:00 a.m.,
prevailing local time, on the 7th day of September, 1994, in the
Commissioner's Hearing Room, Second Floor, new Court House, corner
of Hanover and High Streets, Carlisle, Pennsylvania, 17013.
6. If you have any questions concerning this Notice, you
should contact an attorney. If you cannot afford an attorney, you
should contact:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, Pennsylvania 17013
(717) 249-1133
7. A Schedule of Distribution being a list of the persons,
governmental, corporate entities or agencies being entitled to
receive part of the proceeds of sale executed to be disbursed by
the Sheriff will be filed by the Sheriff on a date specified by the
Sheriff not later than thirty (30) days after the Sheriff's Sale,
and that distribution will be within ten (10) days thereafter.
Information about the Schedule of Distribution may be obtained from
the Sheriff of the Court of Common pleas of Cumberland County,
Pennsylvania, Cumberland County Court House, Carlisle,
Pennsylvania, 17013, (717) 249-1133.
B. In certain situations where the property is worth less
than the judgment and costs, Harris Savings Bank can obtain a
deficiency judgment upon which execution could again issue against
other property of the above Defendants.
9 . THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF TilE SALE
OF YOUR PROPERTY. It has been issued because there is a jud'jf,rcnt
against you. It may cause your property to be sold or taken to pay
the judgment. You may have legal rights to prevent your property
from being taken. A lawyer can advise you more specifically of
these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET FREE LEGAL ADVICE:
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Court House
Carlisle, PA 17013
(717) 249-1133
10. THE LEGAL RIGHTS YOU MAY HAVE ARE:
A. You may file a petition with the Court of Common
pleas of Cumberland County to open the judgment if you have a
meritorious defense against the person or company that has entered
judgment against you. You may also file a Petition to Strike s3id
judgment with the same Court if you are aware of a legal defect in
the obligation or procedure used against you. You may also file
a Petition to Stay or Delay the Execution and the Sheriff's Sale
if you can show a defect in the Writ of Execution or service or
demonstrate any other legal or equitable rights.
B. After the Sheriff's Sale, you may file a Petition
with the Court of Common Pleas of Cumberland County to set aside
the sale for a grossly inadequate price or for other proper cause.
This petition must be filed before the Sheriff's Deed is delivered.
C. A petition or Petitions raising the legal issues or
rights mentioned in the preceding paragraphs must be presented to
the Court of Common Pleas of Cumberland County at one of the
Court's regularly scheduled business Court sessions. The Petition
should be served on the attorney for the creditor at least two (2)
business days before presentation to the Court, and a proposed
Order or Rule must be attached to the Petition. If a specific
return date is desired, such date must be obtained from the Court
Administrator's Office, 1 Court House Square, Fourth Floor,
Carlisle, Pennsylvania, 17013, before presentation of the Petition
to the Court.
D. You have certain legal exemptions from the Sheriff's
Sale which mayor may not apply.
DATED: June~, 1994
R~E~ESQUIRE
Attorney for Plaintiff
sworJrand Subscribe
7-z " day of l
to before me this
( , 1994.
C-: tlitce] L- J) h
NOTARY PUBLIC
My Commission Expires:
,,~~u Nolana! Seal
,~, -. 0 Snyder, Notvy PtbIc
Fn1f\18wTv.p, YorI<Coonly
M(C""/1'kSSo:lnE>)JirosJuno9,l996
LEGAL DESCRIPTION
ALL that certain piece or parcel of land
Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
situate in Hampden
more particularly
BEGINNING at a point on the South side of Locust Lane, said point
being at the dividing line between Lots Nos. 11 and 12 as shown on
the hereinafter mentioned Plan of Lots; thence continuing along the
South side of Locust Lane on a curve to the left wi~h a radius of
226.38 feet, delta 013-16-46, length 52.47 feet, tangent 8.33 feet,
bearing North 61 degrees 48 minutes 38 seconds East a distance of
16.65 feet to a point; thence continuing along the South side of
Locust Lane North 60 degrees 43 minutes 26 seconds East a distance
of 85.00 feet to the dividing line between Lots Nos. 12 and 13;
thence continuing along the dividing line between Lot No. 12 and
Lot No. 13 South 29 degrees 16 minutes 34 seconds East a distance
of 97.87 feet to a point; thence continuing on a line South 59
degrees 49 minutes 49 seconds West a distance of 105.45 feet to a
point on the dividing line between Lot No. 11 and Lot No. 12;
thence continuing on the dividing line between Lots Nos. 11 and 12
North 27 degrees 06 minutes 04 seconds West a distance of 100.00
feet to a point on the South side of Locust Lane, the point and
place of BEGINNING.
BEING designated as Lot No. 12 on Plan of Lots of Hampden Hearth,
Phase 1, prepared by Grove Associates, which Plan is recorded in
Cumberland County Plan Book 53, Page 133.
BEING THE SAME PREMISES which the H S Service Corporation, Trustee,
by deed dated August 16, 1989 and recorded in Cumberland County
Recorder's Office in Deed Book 34-J, Page 27, and by Quit Claim
Deed dated December 19, 1991 and to be recorded herewith, granted
and conveyed the Mortgagors herein.
UNDER AND SUBJECT to certain restrictions and easements filed on
September 21, 1987, in Misc. Book 340, Page 491, Cumberland County
Records.
HAVING THEREON ERECTED a two story detached brick and vinyl
dwelling with an attached two car garage.
Parcel No.: 10-16-1062-053
EXHIBIT "A"
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