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i~t. 'It.. 113 (I r
Federnl National Mortgnge Association
vs
Brady E. Hester and Karen L. Hcster and
United States of Americn
In thc Court ofColhmon Plcns of
Cumhcrlund County, Pcnnsylvun:u
Timothy Rcitz, Deputy Shcriff, who being duly sworn according to luw, says on April I, 1997
at 3:25 o'clock P.M., E.S.T., hc postcr thc propcrty of Brndy E. Hcstcr and Karcn L, Hester and
United Stntes of Amcrica nt 432 S. Fnycllc Strcct, Shippcnshurg, Cumhcrlnnd County,
Pennsylvania with a copy of Real Estnte Writ, Noticc Postcr nnd Dcscription according to law.
R. Thomas Kline, Sherill; who being duly sworn nccording to law, says tlmt hc servcd the
above Renl Estate Writ, Noticc, Postcr nnd dcscription in thc following manncr: The SherifT
mnilcd one of the within namcd defendants, to wit: Brndy E.llcsler a noticc of the pcndency of
thc action by certificd mail markcd DELIVERY ONL Y TO ADDRESSEE. to his last known
address at 218 Northavcn Strcet, San Antonio TX 78229, This ICllcr was mailcd under the date
of April 2, 1997 nnd was returned to the Shcrifl's OlTIce mnrkcd Unclaimcd on April 30, 1997.
Lellcr is hereto nllnehcd unopened.
R. Thomas Kline, Sheriff, who being duly sworn nccording to law, says that hc scrved the
above Renl Estate Writ, Notice Poster and Dcscription in thc following mnnncr: The Sheriff
mailed one of the within named defendants, to wit: Karen L. Hestcr a notice of the pendency of
the action by certified mail marked DELIVERY ONL Y TO ADDRESSEE, to her last known
address at 218 Northaven Strcet, San Antonio TX 78229. This leller was mniled under the dnte
of April 2, 1997 and was rcturned to the Sheriffs OlTIce marked Unclaimed on April 30, 1997.
Leller is hereto allached unopened,
R. Thomas Klinc, Sheriff who being duly sworn according to Inw, says thnt he served the
above Real Estate Writ, Notice, Poster and Description in thc following manner: Thc Sheriff
mailed one of the wit:1in named defendnnts, to wit Brndy E. Hester a noticc of the pendency of
the action by regular mail to his last known address at 218 Northaven Street, San Antonio TX
78229. This leller was mailed under the date of April 17, 1997 nnd was nevcr returned to the
Sheriff's Office.
R. Thomns Kline, Sheriff, who being duly sworn according to law, says thnt he served the
above Real Estate Writ, Notice Poster and Description in the following manner: The SherifT
mailed one of the within named defendants to wit: Karen L. Hester a notice of the pendency of
the action by regulnr mail to her last known nddress nt 218 Northnven Street, San Antonio TX
78229. This leller wns mailed under the dnte of April 17, 1997 nnd wns never rcturned to the
Sheriff's OlTIce.
R. Thomas Kline, Sheriff, who being duly sworn nccording to Inw, says hc made diligcnt
search and inquiry for one of the within named defcndants, to wit: United Statc of America but
was unable to locate them in his bniliwick. He thcrcfore deputized the Sherin' of Dauphin
Co:mty, Pennsylvnnia to serve the within Real Estate Writ, Notice, Postcr and Dcscription
according to law.
DAUPHIN COUNTY RETURN: and now April I, 1997 AT 2:00 P;M; scrvc the within Renl
Estntc Writ, Notice Poster and dcscription upon Unitcd Stnte of Americn by personnlly handing
to Summcr Fister Legnl Secrctnry Itruc allested copies of thc original Rcal Estatc Writ Notice
Poster and Description and muking known to her thc contents thcreof lit Asst. U.S. Allorncy
Genernl Federal Bldg, 228 Wnlnut strcct, Harrishurg, Pa. So answers J. R. Lotwick, ShcrifT of
'...'
Dnuphin County, Pa. By Ronald Hopkins Deputy Sheriff.
Dauphin Co. Return hereto allnched.
R. Thomns Kline, Sheriff, who being duly sworn nccording to low, says he served Real Estate
Writ, Notice Poster and Description in the following manner: The Sheriff moiled one if the
within named defendants, to wit: United State of Americn Asst, U.S. Allorney General Federal
Building 0 notice of the pendency of the nction by certified mnil marked DELIVERY ONL Y TO
ADDRESSEE, to there lost known address nt 228 Wnlnut Street Federnl Building, Harrisburg,
Pennsylvania, This leller was moiled under the dnte of April 3, 1997 and WIIS received on April 4,
1997 with return receipt card signed by Dennis Fister, Return receipt cord is hereto nllnched,
R. Thomas Kline, Sheriff. who being duly sworn according to law, says he served Real Estate
Writ Notice Poster and Description in the following mnnner. The Sheriff moiled one of the
within named defendants, to wit: United States of America Ass!. U,S. Allorney General 0 notice
of the pendency of the nction by regular mnilto there last known address at 228 Walnut Street
Federal Building, Harrisburg, Pennsylvania. This leller was mailed under the dote of April 4,
1997 and was never returned to the SheriIT's Office
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and
legal notice had been given according to low exposed the within described premises at public
venue or outcry at the Court House, Carlisle, Cumberlnnd County, Pennsylvania on June 4, 1997
at \0:00 o'clock A.M., E.D,S.T., and sold the same for the sum of 525,000.00 to Allomey Jnmes
Flower for Federal National Mortgage Association Its successors and assigns at c/o PNC
Mortgage Corp, Of Americn, 75 North Fnirway Drive, Vernon Hills IL 60061. It being highest
bid and the best price received for the same Federnl National Mortgnge Association, Its
successors and assigns at c/o PNC Mortgage Corp. Of America, 75 North Fnirway Drive,
Vernon Hills IL 60061 being the buyer in this Execution paid SheriffR. Thomas Kline, the sum
of$I,271.62, it being poundage, stamps etc. SheriIT's Costs listed below. See allached
distribution sheet for additional costs.
SheriIT's Costs:
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
Mileage
Cert Mail
Levy
Surcharge
Dauphin Co. Costs
Legal Search
Law Journal
Patriot
Share of Bills
Distribution of Proceeds
30.00
500,00
15.00
15,00
30.00
10.00
.50
13.02
11.36
15.00
8.00
25.50
150.00
211.25
188.16
28.83
25.00
,
1997 Co. Twp Lib Tnx
Wnter
Totnl
174.63
1,923.42
$1.271.62
Sworn nnd subscribed to before mc
So answers:
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this II~' dny of ~ 1997
~.t. (,' 1\;\1(1~,~ I >Jlfli'
P t onotnry
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R. Thomns Kline, Sheriff
By/, -1'
l hLC'lw.~ /J. {)...."d /1'1"-'
Renl stnte Dcputy
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SCHEDULE OF D1STRIBTUION
REAL ESTATE SALE NO.22
DATE FILED: .7..... J., .3. I 9 '1 7
Writ No.:
96-113 Civil Term
Sale Date:
June 4,1997
Amount ofBid: $25,000.00
Buyer:
Federal Nationnl Mortgage Association
c/o PNC Mortgage Corp. Of America
75 North Fairway Drive
Vernon Hills IL 60061
Atty.:
Carol Bernsi
Federal National Mortgage Association
vs
Brady E. Hester & Karen L. Hester and
United States of America
432 S. Fayette Street
Shippensburg, Pa.
R~al Debt
Interest
Atty. Writ Costs
Total
$100,297.38
4,385.61
192.22
$104,875.21
$ 1,271.62
1,271.62
$ 0,000.00
Total Collected
Sheriffs Costs
Distribution:
I. Credit Writ 96-113 Civil
Federal Nat. Mtg. Assoc.
$ 23,728.38
So answers:
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R. Thomas Kline, Sheriff
by
(lltc!~'d ~ o'/{lll<_
Real Estate Deputy
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SHAPIRO AND KREISMAN
BY: CAROLEE BERASI, 8SQUIRE, I.D. #53426
NANCY WORTH-PINE, ESQUIRE, LD. LD. #50596
CHERYL VILLAUME, ESQUIRE, I.D. #70044
AUDREY MITTLEMAN, ESQUIRE, I.D. 58047
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDES FORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695-9240
Federal National
Mortgage Association
COURT OF COMMON
PLEAS CUMBERLAND
COUNTY
PLAINTIFF
vs.
NO: 96-113 CIVIL
Brady E. Hester and
Karen L. Hester and
United States of America
DEFENDANT (S) I
I
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Brady E. Hester and Karen L. Hester
218 Northaven Street
San-Antonio, TX 78229
Your house (real estate) at
432 South Fayette Street, Shippensburg, PA 17257
is scheduled to be sold at Sheriff's Sale on JUNE 4, 1997, at:
Cumberland County Courthouse
S. Hanover Street
Carlisle, PA 17013
at 10: 00 AM to enforce the court judgment of $100,297.38: -obta'ined
by Federal National Mortgage Association against you.
, NOTICE OF OWNER'S RIGHTS
YOU MAY' BE ABLE TO PREVENT THIS SHERIFF'S SALE,.
To prevent this Sheriff's Sale you must take immedia~e act,ion:
1. The sale will be cancelled if you pay back to Federal National
Mortgage Association the amount of the judgment plus costs or
the back payments, late charges, costs, and reasonable
attorneys fees due. To find out how much you must pay, you
may call: 610-695-9240.
2. You may be able to stop the sale by filing a petition asking
the Court to strike or open the judgment, if the judgment was
improperly entered. You may also ask the Court to postpone
the sale for good cause.
'.
3. You may be able to stop the sale through other legal
proceeding,s.
You may need an attorney to assert your rights. The sooner
you contact one, the 1II0re chance you wi 11 have of stopping the
sale. (See notice on page two of how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You lIIay find out the price bid by
calling 610-695-9240.
2. You may be able to petition the Court to set aside the sale if
the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened you may call 717-240-6390.
4. If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer.
At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a share of the money which was paid for
your house. A schedule of distribution ?f the money bid for
your house will be filed by the Sheriff no later than thirty
days from date of sale. This schedule will state who will be
receiving the money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten
(10) days after the date of filing of said schedule'. .'
. . ., .
.
7. You may also llave ~ther rights and defenDes 01' ways of get t ing
your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. 'IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
95-8571
\.
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MAJOR EXEMPTlOOS UNOER
PENlSYLVANIA AND FlDERAL LAW
I. $300 statut~ exemption
2. Bibles, school books, sewing IlVlchines, uniforms and equ.iPTl!nt
3. Holt wages and WlC!ITploYlll!!nt c:arpensation
.. SociaJ. Security benefits
5. Cert4in retirement funds lIOd accounts
.'
6, Cert4in veteran lIlld cU1lI!d forces benefits
7. Cert4in insurllOce proceeds
8. Such other exemptions /15 ITI!IY be provided by law
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c) other (specify amJunt and basis of exenption,
I request a prtnpt court hearing to detezmi.ne the exerrption.
Notice ot the hearing soould be given to me at
Address
Telephone Nultler
I verify that the statenents lMde in this Claim for Exenption are true
and correct. I understand that false statenents herein are made subject to the
I*\8lties of 18 Pa. C.S. S 4904 relating to unsworn falsification to authonties,
Dat.,
'I1lIS CLAIM ro BE FILED WI'nl 'nlE
oma: OF 'nlE SHERIfT OF CtHlE~
CXll.Nl'l( ,
ClJtlER1.NI) 0XJHn' OJUR'1't<<X1SE
CARLISIE, PErftm.VANIA 1701:3
(717) 240-6390
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olUlER Of' COJRT
pursuant to Pa, Rule
NIl tOI.
of CivU p:oc:edure 3123.l(b), a heariJIg is set for
iJI Court Roan No.
C\JltlUland County Courthouse, carlisle. pennsylvania. The Sheriff of
C\JltlUland County shall notify the parties of the tlJl'l! and place for the \'Iearlllg.
By the Court.
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Unitccr<J5)1l ~",()f /ImOrlc','
United S~~':<'~)' tomfJ}'S
Federal BUi~"i.ng?1(
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Harrisburg, pa.~!>;-
&. R_lYod By: (Print~) ,
'1 olso wish to fecelve the
following .Irvlell ('0' on
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1, CI Addll...... Add,_
2, 0 - RI.tl1ctod Dlllvlry
eon.ult po.lml.t.. '0' ,",
41, Arllet, Numb.. ,1:31
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o E.plI..Ma!t ' 0 InlUrod
o Rltum_lorMorcl1ondIl 0 COO
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U5Po!'jlilI50I\lIl.:l'
Receipt for Certified Mall
No III'iUIil!WU CUVIH.l!jO PfU'''ldt~1
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ITEO STATES POSTAl SERVICE
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Flrst.Class Mall
postaga & Feea Paid
USPS
Permit No, G.1 0
. Print your nsme, address, and ZIP Code In this box ·
Hon. fl. Thanas Kline
Sheriff of CU11bedand County
1 Courthouse squarn
carlisle, Pa, non
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3. You may be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page two of how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If tl~ Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid by
calling 610-695-9240.
2. You may be able to petition the Court to set aside the sale if
the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened you may call 717-240-6390.
4. If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer.
At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a share of the money which was paid for
your house. A schedule of distribution of the money bid for
your house will be filed by the Sheriff no later than thirty
days from date of sale. This schedule will state who will be
receiving the money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff:within ten
(10) days after'the date of filing of said scHedu~i.
7. You may also have other rights and defenses or ways of getting
your house back; if you act immediately afte~.the:sal~:
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
95 -8571
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ALL that certain tract of land, being improved with a single
family dwelling house and various out buildings, situate in
Shippensburg Township, Cumberland County, Pennsylvania, more
particularly bounded and described as follows:
ON the East by the Shippensburg-Mainsville Public Road; on the
South by lands now or formerly of H. H. Hoy; on the West by lands
now or formerly of Howard H. Hoy; and on the North by lot now or
formerly of Fritz Gleim; said described lot having a frontage on
the said Public Road of 80 feet and an even depth from the center
of the Public Road of 250 feet to the land now or formerly of
Howard H. Hoy, aforesaid.
BEING known and numbered as 432 South Fayette Street,
Shippensburg, Pennsylvania. Being further described as Cumberland
County Tax Parcel No. 36-352388-039 on the tax assessment records
of Cumberland County, Pennsylvania.
BEING the same premises which John Baughman and Martha I.
Reed, Co-Executors of the Estate of Cora B. Baughman, Deceased
granted and conveyed unto Brady E. Hester and Karen L. Hester,
husband and wife by Deed dated September 28, 1993 and recorded in
the Office of the Recorder of Deeds for CUMBERLAND County on
October 7, 1993 in Deed Book 036, Page 677.
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MAJOR EXEMPTlct-IS llNDER
PE10lNSYLVANIA AND f1:DERAL LAW
1. $300 st.tut~ exenption
2. Bibles, school books, Sewing ITl5c:1ti.nes, uniforms and eQUiP!l!nt
J. Host wages 4lld unenplo)'lll!nt CO!pensation
4. Social Securi. ty benefi ts
5. Cert4in reti..rem!nt funds 4lld accounts
6. Cert4in Yeter411 4lld cUTlI!d forces benefi ts
7. Cert4in insur411ce proceeds
8. Such other exenptions as lIl!ly be prov~ded by law
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SHERIFF OF DAUPHIN COUNTY
OFFICIAL RECEIPT
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l1xleral National Mortgage ^ssor:iation
'is.
Brady E. Hester and Karen L. !lester,
SERVE United States of America :-lo.,
96-113
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United States of America
Office of the Attorney General
U.S. Department of Justice
Room 5111, Main Justice BUilding
10th & Constitution
Washington, Dc 20530
3. Name and last known address of every jUdgment creditor whose
judgment is a record lien on the real property to be sold:
Federal National
c/o PNC Mortgage
75 North Fairway
Vernon Hills, IL
Mortgage
Corp. of
Drive
60061
Association
America
4. Name and address of the last recorded holder of every mortgage of
record:
Federal National
c/o PNC Mortgage
75 North Fairway
Vernon Hills, IL
Mortgage
Corp. of
Drive
60061
Association, Plaintiff
America
5. Name and address of every other person who has any record lien on
the property:
United States of America
Assistant U.S. Attonrey General's Office
Federal BUilding
228 Walnut St.
Harrisburg, PA 17108
United States of America
Office of the Attorney General
U.S. Department of Justice
Room 5111, Main Justice BUilding
lOth & Constitution
Washington, DC 20530
6. Name and address of every other person who has any record interest
in the property and whose interest may be affected by the sale:
Shippensburg Township
Water Department
60 W. Burd St.
PO Box 129
Shippensburg, PA 17257
CFJMA
(Sewer Authority)
725 Municipal Dr.
Shippensburg, PA 17257
Shippensburg Township
Tax Collector
PO Box 219
Shippensburg, PA 17257
Attn: Barry Negley
Shippensburg Area School District
317 N. Morris St.
Shippensburg, PA 17257
Cumberland County Treasurer
Cumberland County Courthouse
S. Hanover Street
Carlisle, PA 17013
Cumberland County Tax Claim Bureau
Cumberland County Courthouse
S. Hanover Street
Carlisle, PA 17013
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:
TENANT OR OCCUPANT
432 South Fayette Street
Shippensburg, PA 17257
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. Section 4904 relating to unsworn falsification
to authorities.
95-8571
& KREISMAN
....~,
SHAPIRO AND KREISMAN
BY: CAROLEE BERASI, ESQUIRE, I.D. >>53426
NANCY WORTH-PINE, ESQUIRE, I.D. I.D. #50596
CHERYL VILLAUME, ESQUIRE, I.D. #70044
AUDREY MITTLEMAN, ESQUIRE, I.D. 58047
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDES FORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE ;610) 695-9240
NOTICE OF SHERIFF'S
i
I
I
I
I
I
I
I
I
SALE
COURT OF COMMON
PLEAS CUMBERLAND
COUNTY
Federal National
Mortgage Association
PLAINTIFF
VS.
NO: 96-113 CIVIL
Brady E. Hester and
Karen L. Hester and
United States of America
DEFENDANT(S)
OF REAL PROPERTY
TO: Brady E. Hester and Karen L. Hester
218 Northaven Street
San Antonio, TX 78229
Your house (real estate) at
432 South Fayette Street, Shippensburg, PA 17257
is scheduled to be sold at Sheriff's Sale on JUNE 4, 1997, at:
Cumberland County Courthouse
S. Hanover Street
Carlisle, PA 17013
at 10:00 AM to enforce the court judgment of $100,297.38 obtained
by Federal National Mortgage Association against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Federal National
Mortgage Association the amount of the judgment plus costs or
the back payments, late charges, costs, and reasonable
attorneys fees due. To find out how much you must pay, you
may call: 610-695-9240.
2. You may be able to stop the sale by filing a petition asking
the Court to strike or open the judgment, if the Judgment was
improperly entered. You may also ask the Court to postpone
the sale for good cause.
3. You may be able to stop the aale throu'lh otl1<'r ltlgrll
proceedings.
You may need an attorney to aosert YOU1' l'ightu. Thtl 1300nOl'
you contact one, the more chance you will have of lltopping tht)
sale. (See notice on page two of how to obtain an attol'ney,)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLIICE.
1. If tll~ Sheriff's Sale is not stopped, your propt~rty will be
sold to the highest bidder. You may find out the pr Leo bid by
calling 610-695-9240.
2. You may be able to petition the Court to o,~t iwide th.~ oalo i(
the bid price was grossly inadequate compared to tlw va tuo of
your property.
3. The sale will go through only if the bUyel' payu the Sheriff
the full amount due in the sale. To find out if thio haa
happened you may call 717'240-6390.
4. If the amount due from the buyer is not paid to the Sh,~dff,
you will remain the owner of the property DS if the Dale navel'
happened.
5. You have a right to remain in the pl'Opel"ty until the full
amount due is paid to the Sheriff and th.~ Sh'}l'iff gives a deed
to the buyer.
At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a ohare of the money which was paid for
your house. A schedule of distribution of the money bid fOl"
your house will be filed by the Sheriff no later than th11"ty
days from date of sale. This Bchedul.- will Btate who w.ill be
receiving the money. The money will be paid out in accordance
with this schedule unless except 10nfJ (reasons why the propooed
distribution is wrong) are filed ~lith th.: Shol'i ff within ten
(10) days after the date of filing of Bald [lchedul".
7. You may also have other righto and defenDeD 01" wayo of getting
your house back, if you act immediately ilftal' the Dille.
YOU SHOULD TAKE THIS PIIPER TO YOUR LMIYER 11'1' ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT IIFFORD ONE, GO TO OR TEI,EPHONE THE
OFFICE LISTED BELOW TO FIND OUT ~IJlERE YOlJ CIIN GET LEGAL HEI.P.
COURT ADMINISTHNI'OF.
4TH FLOOR, CUMBERLIIND COUNTY COI1RTlIOlJSE
CIIRLISLE, PA 17011
(717) 240-6200
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
95 -8571
~L that certain tract or land, being improved with a single
family dwelling house and various out buildings, situate in
Shippensburg Township, Cumberland County, PennsYlvania, more
particularly bounded and described as follows:
ON the East by the Shippensburg-Mainsville Public Road; on the
South by lands now or formerly or H. H. Hoy; on the West by lands
now or formerly or Howard H. Hoy; and on the North by lot now or
formerly of Fritz Gleim; said described lot having a frontage on
the said Public Road of 80 feet and an even depth from the center
of the Public Road or 250 feet to the land now or formerly of
Howard H. Hoy, aforesaid.
BEING known and numbered as 432 South Fayette Street,
Shippensburg, Pennsylvania. Being further described as Cumberland
County Tax Parcel No. 36-352388-039 on the tax assessment records
of Cumberland County, Pennsylvania.
BEING the same premises which John Baughman and Martha I.
Reed, CO-Executors of the Estate of Cora B. Baughman, Deceased
granted and conveyed unto Brady E. Hester and Karen L. Hester,
husband and wife by Deed dated September 28, 1993 and recorded in
the Office of the Recorder of Deeds for CUMBERLAND County on
October 7, 1993 in Deed Book 036, Page 677.
'~.A ..
.
3. You may be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page two of how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid by
calling 610-695-9240.
2. You may be able to petition the Court to set aside the sale if
the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened you may call 717-240-6390.
4. If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer.
At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a share of the money which was paid for
your house. A schedule of distribution of the money bid for
your house will be filed by the Sheriff no later than thirty
days from date of sale. This schedule will state who will be
receiving the money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten
(10) days after the date of filing of said schedule.
7. You may also have other rights and defenses or ways of getting
your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
95-8571
... -. ~-.
Proof of Publication of Notlt. In Th. Patriot and Th. Evening N.ws
and Th. Sunday Patriot-News
V.d.. .," It.. II', "rprotocl ~I., Ill, ._.
Commoftwta/11l 01 Penn.lI/vania, }
CO/lftly 01 nallpllin ..~:
...........................J.g9.n.~~!...1:!!?H.!?I:':..........................belnll' duly sworn according to law, deposes and says:
Asst. Controller
That he Is the ............................of THE PATRIOT .l\~;WS CO., a corporation organized and exlstln,
under the laws of the Commonwealth of Penns)'lvanla, with Its principal office and place of business at
812 to 818 Market Street, In the City or Harrl_burg, County or Dauphin, Stste of Pennsylvania, owner
and publisher of THE PATRIOT and THE EVENING N~;WS and the SUNDAY PATRIOT.NEWS
newspapers of leneral circulation, printed and published at 812 to 818 Market Street. In the City,
County and State aforesaid: that THE PATRIOT and THE EVENING NEWS and the SUNDAY
PATRIOT. NEWS were established March 4th. 1854, and February 15th, 1917 and September 18th,
1949, respectively, and all have been continuously published ever since:
That the printed notice or publication which Is securely attached hereto Is exactly as printed and
Metro West 29th day of April and
published In their relrUlar,4!dltlons and Issues which appeared on the ..........................................................
the 6th and 13th days of May 1997.
........................................................................................................................................................................................
That neither he nor said Company Is Interested In the subject matter of said printed notice or adver.
tllln., and that all of the allelatlons of this etatement as to tlle time, place and character of publication
are true; and
That he has penonal knowledge of the facts aforesaid and J8 duly authorized and empowered to
verify thla atatement on behalf of The Patrlot.News Co. afote iI Id by virtue a, nd pursuant to a resolu.
tion unanimously paaeed and adopted severally by the stock IV8' an~ard of directors of the said
Company and lubsequently duly r8\lorded in the office for the 0 ~nl 0 ~l\edS In and for said Count).
of Dauphin In Mi...lllneo,," Book "M". Volom. 11. PI~r ~17. /, !.~/,
-'3R-~"" . .(",. '--
... . ,,'
. ,I!fr ...................................................,.........................................................
'. \
...... "RI . - . Sworn to and subscribed fore m " ...l:l.9........day of
"
.......~ ...i!.\!.~~..... A. D. 1997. / /./~t!.J'
. ..c....... "-
"'. ........ '" .................................".....
- AU.that!i!!llll*lIlactCIIIcni~ T.nyL.fIuqeI.~1'I Ie: NOla", Publie
tl\. .Ad ~a_.. ~ ~ ,..,riIIlIID. ~Coufl1y
I~ M,.. "'-.;c;.
~ ~ ;:::'::. ~ <:l>>llkledil.nJ;'\...~g.~n.t.:i...:;;.b.~1i.;\H.!'L.9.f..tt.\;~..
Q. 'II: ..':::'': ill,,' Car t;.!!-*~.l......!?~.:.....J.I~.!}...................................
. ~ 'CIIaFttz GIeIm:. ,I To TilE PATRIOT.NEWS CO., Dr.
€J Jr::rc ',1 For publishing the notice or publication attached hereto on the
centwCIIlhe IS7.16
:__....10 ftle land row Of above stated dates. .............................
HlMad H. Nov. aIoIwIak1 1 . 0 0
. ~!1'ld~<!I432 Probating same ........1'u.l1':1'I).....
5 ALE '22 Total .............................
Puhlfsh.r's Rec.ipt for Adv.rtising Costs
THE PATRIOT.NEWS CO., publisher nf TilE PATRIOT and THE EVENING NEWS Bnd the
SUNDAY PATRIOT.NEWS, newspllpers of general clrculnllon, hcreby acknowlcdge rccelllt of the
aforesaid notice and publication costs and certilles that the same have bcen duly paid.
TilE PATRIOT.NEWS CO.
R}' .....................................................................................
TITLE REPORT
THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING
ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY
EVIDENCE PERMmlNG THEIR REMOVAL IS PRODUCED.
SHERIFF SALE NO. 22
Held Wednesday, June 4, 1997
Date: June 6, 1997
TAXES: Receipts for all taxes for the years 1992 to 1996 inclusive. Taxes for the current year
1997.
MORTGAGES: Listed Under Other Exceptions Below,
JUDGMENTS: Listed Under Other Exceptions Below.
INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to
dated , 1997, and recorded
, 1997, in Cumberland County Deed Book ,Page
RECITAL: Being all of the property which John Baughman and Manha I. Reed, Co-Executors
of the Estate of Cora B. Baughman, Deceased, granted and conveyed unto Brady E. Hester and
Karen L, Hester, husband and wife, by deed dated September 28, 1983 and recorded in the Office
of the Recorder of Deeds for Cumberland County on October 7, 1993 in Deed Book "0", Volume
36, Page 677.
OTHER EXCEPTIONS:
I . The identity and legal competency of parties at the closing of this title should be
established to the satisfaction of the closing allomey acting for this Company.
2. Rights or claims of parties in possession, if any, other than the owner.
3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area
and encroachments which an accurate and complete survey would disclose.
4. Payment of State and local Real Estate Transfer Taxes, if required.
5. Public and private rights in the roadbed of Shippensburg-Mainsville Public Road, which
is also known as South Fayelle Street.
6. Satisfactory evidence to be produced that proper notice was given to the holder of all
liens and encumbrances intended to be divested by subject Sheriff Sale.
7. Mortgage given by Brady E. Hester and Karen L. Hester, husband and wife, to Sears
Mortgage Corporation dated September 29, 1993 and recorded October 7, 1993 in
Mortgage Book 1169, Page 185, in the just sum of $71,250.00
Complaint in Mortgage Foreclosure filed to No. 1996-00113 by Federal National
Mortgage Association against Brady E. Hester and Karen 1. Hester, on which a default
judgment was entered on September II, 1996 in the amount of $100,297.38, pursuant
to which a Writ of Execution dated March II. 1997 was issued.
8. Federal tax lien filed to No. 1995-00207 in favor of U.S. Treasury Department against
Brady Hester, Hester Drywall Services, filed on January 13, 1995 in the amount of
$9,527.66
9. It should be noted that the deed prior to 1946 was recorded in Franklin County and that
no search has been made of Franklin County Records.
10. Real eSlate laxes accruing on and after July I, 1997, not yet due and payable.
4d~ Z? /~
Slephe D. Tiley, Agelll
NUll!: Thi~ Tille 1h'ptlll ..hull 11111 h~. vulhl Ilr I>illl"""
unlil cllunlc,,,lltllcl! h)' un nUlhllll.lL.,t "It"'''.''l y
, . ..
REAL ESTATE SALE ~O 22
S 1. 000.00 Atty, Carol Berasi
S 1.000,00 Advance CoSts Paid
Assessed Val uation S 6,480.00
\\"RIT ~O,
96-11] Civil Term
. Federal National Mortgage IIssocition
\'S
Brady E. Hester and Karen L. Hester and United States of
America
.. 432 S. Fayette St..
REAL DEBT
[):TEREST
A TT'S FEES
\\"RlT COSTS A TTY
ESCROW
LATE CHARGE
SHERlFF'S COSTS
Docketing
Poundage
Posting Bills
Adve:1ising
Acknowledging Deed
Auctionee~
Law Library
C oum:.
~ liIeage
Cen ~[ai1
Levy
Postpone Sale
Surcharge
Dauphin Co. Costs
Legal Search
AD\'ERTISr.\G:
Law Journal
Patriot
Share of Bills
Distribution oi Proceecs
Sheriifs Deeds
STA~IPS
Pa. Transier Tax
Twp or BolIO Transier Tax
il9g~!(?o. Twp Lib.
Water
Shippensburg
100.297.]8
4,385.61
192.22
30.00
500.00
15.00
15.00
30.00
10.00
.50
1.00
13.02
20.36
8.00
25.50 Pd.
150.00
by At ty
211.25
188.16
28.83
25.00
174.63
192.43
CCM<<NiEAL'lll OF PA. PERSOOAL It<<XME TAX $640.67
SHAPIRO AND KREISMAN
BY: NANCY A. WORTH. ESQUIRE
ATTORNEY I.D. NO. 50596
SOUTHPOINT OFFICE COMPLEX
1 160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN. PA 19312
TELEPHONE (610) 695-9240
S & K FILE NO, 95-8571
Federal National Mortgage Association
c/o PNC Mortgage Corporation of
America
568 Atrium Drive
Vernon Hills, IL 60061
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: q6 r/ j (l~u.~,l JL0n^-
vs,
Brady E, Hester and'Karen L. Hester
432 South Fayette Street,
Shlppensburg, PA 17257
and United States of America
United States Attorneys Office
Federal Building, 228 Walnut Street,
Room 1162, Harrisburg, PA 17108
DEFENDANT(S)
COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT.. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH
IN THE FOLLOWING PAGES. YOU MUST TAKE ACTION WITHIN TWENTY 1201 DAYS AFTER THIS
COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY
ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY
PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM
OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
17171 240.8200
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED aUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES.
USTED TIENE VIENTE 1201 DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA 0 EN PERSONA 0 POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE
SU PERSONA. SEA A VISADO aUE SI USTED NO SE DEFIENDE. LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO 0
NOTIFICACION Y POR CUALaUIER aUEJA 0 ALIVJO aUE ES PEDIDO EN LA
PETICION DE DEMANDA, USTED PUEDE PERDER DINERO 0 SUS PROPIEOADES 0
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA
EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
COURT ADMINISTRATOR
4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE
CARLISLE. PA 17013
17171 240-6200
~,,'
The Mortgage is matter of public record and is incorporated herein as
provided by Pa. R.C,P, 1019(g). A true and correct copy of said
Mortgage Is attached hereto as Exhibit "A" and Incorporated herein by
reference,
(d) Asslanments: None
2, Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the
legal successor in Interest to the original Mortgagee, or is the prasent holder of
the mortgage by virtue of the above-described Assignment/s).
3, Each Mortgagor named in paragraph 1 executed a Note as evidence of the debt
secured by the Mortgage. A copy of the Note is attached as Exhibit "B",
4. The real property which is subject to the Mortgage is generally known as 432
South Fayette Street, Shippensburg, PA 17267 and Is more specifically
described as:
ALL that certain tract of land, being improved with a single family
dwelling house and various out bUildings, situate in Shlppensburg Township,
Cumberland County, Pennsylvania, more particularly bounded and described as
follows:
ON the East by the Shippensburg-Mainsvllle Public Road; on the South
by lands now or formerly of H. H. Hoy; on the West by lands now or formerly
of Howard H. Hoy; and on the North by lot now or formerly of Fritz Gleim; said
described lot having a frontage on the said Public Road of 80 feet and an even
depth from the center of the Public Road of 260 feet to the land now or
formerly of Howard H. Hoy, aforesaid.
BEING known and numbered as 432 South Fayette Street, Shlppensburg,
Pennsylvania. Being further described as Cumberland County Tax Parcel No,
36-362388-039 on the tax assessment records of Cumberland County,
Pennsylvania,
BEING the same premises which John Baughman and Martha I, Reed,
Co-Executors of the Estate of Cora B, Baughman, Deceased granted and
conveyed unto Brady E. Hester and Karen L. Hester, husband and wife by Deed
dated September 28, 1993 and recorded In the Office of the Recorder of Deeds
for CUMBERLAND County on October 7, 1993 in Deed Book 0 36, Page 677,
6. The Name and mailing address of each Defendant Is: Brady E, Hester and Karen
L. Hester, 432 South Fayette Street, Shlppensburg, PA 17267 and United
States of America, United States Attorneys Office, Federal Building, 228
Walnut Street, Room 1162, Harrisburg, PA 17108.
..A'
.
TOOETHER WITH III - \ Improvements now or hereaher erec' on the pror:ny, and III _menla,
IppunenanCCll, Ind flnures now.. hereaher I pan or the properlY. All replacclllents and eddltlons shall allO be covered
by this Securi.y Instrument. All or the roreaoinl ia relerred 10 in this Security Instrument IS the "Propeny"
BORROWER COVENANTS thlt Borrower is Ilwfully seised or the esllte hereby conveyed and hIS the riptlO
mOl1..., arant Ind convey the Property and that the Property Is unencumbered, eleept ror encumbranCCll of record.
Borrower wemnla Ind will defend aenenlly the dtle 10 the Property Ipinst III clllms and demlnds, subject 10 any
encumlnnc:ea or record.
nus SECURITY INSTRUMENT combines unirorm covenants ror national use Ind non-unirorm covenanla with
limbed variltiona by juriediC1ion 10 constbute I unirorm _uri.y instrument coverinl real property.
UNIPORM COVENANTS. Borrower Ind Lender covenlnt and alree IS rollows:
I. PaymeDt of PriDclpalaDd IDtere.t; Preplymeot aod Late Charle.. Borrower shill promptly pay when due
the principal of and interellt on the debt evidenced by the Note Ind Iny prepayment and lite chlrles due under the Note.
2. FUDd. for Tllea lod IDlurlDce. Subject to appliclble Ilw or 10 I written waiver by Lender, Borrower WlI
(lilY 10 Lender on the day monthly payments are due under the Note. until the Note is paid in rull, I sum ("Funds") for:
(e) yearly lales and _mente which may atlain priority over this Security Instrument IS I lien on the Property; (b)
yeerly leasehold payments or around rents on the ProperlY, if any; (c) yearly hazard or pro""ny Insurance premiums;
(d) yearly nood insurance premiums, ir any; (e) yearly morlllle insurance premiums, if Iny; and (r) any suma payable
by IIorTOwer 10 Lender, in ICCOnlence with the provisions or paralraph 8, In lieu or the payment or monpp inaurmc:e
premiums. Th_ item. are called "Escrow Items.' Lender mlY, It any time, collectlnd hold Funds in In Imount not
10 eJCelld the mllimum Imoun. a lender for I rederally rellted mortpp lOIn may require ror Borrower'a escrow
account under the federal Real Estate Settlement Procedures Act of 1974 IS amended rrom time 10 time, 12 u.s.C.
Section 2601., 1<<1. ("RESPA "), unl_ another law thlt applies 10 the Funds sets 11_ amount. If 10, Lender mlY,
It any time, collect Ind hold Punds in In amount not to ncced the lesser Imount, Lender mlY estimlte the Imount of
Fundi due on the bull or curren. dlla and reasonlble eatimltea or elpenditures of future Escrow Items or otherwise in
ICCOrdanc:e with Ipplicable IIW,
The Punds shall be held in an institution whose deposits Ire insured by I fedenllpncy, instrumenlality, or entity
Uncludinl Lender, if Lender is IlUCh an insti.ution) or in any Federal Home Loan Bank. Lender shill apply the PuncIa 10
pay the Escrow Item.. Lender mlY not charp Borrower ror holdinl Ind Ipplyinlthe Funds, Innllllly ana1ylinl the
escrow lCICOunt, or verifyinl the Escrow Items, unl_ Lender pays Borrower Interest on the Punds end applicable IIW
~il8 Lender 10 mike such e cherp, However, Lender mlY require Borrower 10 pay I one"time charp for In
IIwSo,l"".de.lt reel lIlItIte III reportinlllCl'Vice U8ed by Lender in connection with thialOln, unl_ applicable Ilw proviclea
otherwise. UnI_ en lpetment is made or Ipplicable Ilw requires inlerellt 10 be paid, Lender shill not be required 10
pay IIorTOwer any interellt or earninp on the Punds. Borrower and Lender mlY earee in writinl, however, that interest
ehall be paid on the Fundi. Lender shell pve 10 Borrower, without charle, In Innllll accountlnl or the Funds. showin,
credila and clebil8lO the Punds and the purpoae ror which each debit to the Funds WIS made. The Funds ere pledpd IS
Idditionalll8CUrity for llIauma secured by thia Security Instrument.
If the Pundl held by Lender elcced the emounla permitted 10 be held by appliclble IIW, Lender shall ICCOunt 10
Borrower for the elCll88 Funds in accordance with the requirements or Ippliclble Ilw. If the Imount or the Punds held
by Lender et Iny time is not sufficientlO pay .he Escrow Items when due, Lender mlY 80 notify Borrower in writhts.
Ind. in 8UCh case Borrower shall pay 10 Lender the Imount necessary 10 make up the deficiency. Borrower shell make
up thedericiency in no more than twelve monthly paymenl8, It Lender's 80Ie discretion,
Upon payment in full or III sums secured by this Security Instrument, Lender shill promptly rerund 10 Borrower
Iny Funds held by Lender. If, under paral1'aph 21, Lender shill acquire or sell the Property, Lender, prior 10 the
acquisition or IIIle or the Propeny, shill apply Iny Funds held by Lender at the time or acquisition or IlIle IS I credit
Ipinst the BUms secured by this Security Instrument,
), AppllcatloD of PlymeDtI. Unl_ applicable Ilw provides otherwise, all paymenl8 received by Lender under
penanphs 1 and 2 ahell be applied: first. 10 any prepayment charles due under the Note; II8COnd, to Imounll paYlb1e
under perearaph 2; third, 10 interest due; founh, 10 pnncipal due; and 1151, to Iny lete charles due under the Note.
4, Cberlel; Lleal, Borrower ahell pay III lalell, _menl8, charaes, rines Ind impositions IItr1bulable 10 the
ProperlY which mlY Iltein priority over this Security Instrument, Ind reasehold payments or lround renla, if any,
Borrower shall pay th_ obliptions In the manner provided in paralrlph 2, or ir not paid in that manner, Borrower
shall pay .hem on time directly 10 the pertlOn owed payment. Borrower shall promptly rumish 10 Lender all notic:ea of
ImOUnl81O be paid under this paralrlph. Ir Borrower mikes these payments directly, Borrower shill promptly furnish
to Lender receipl8 evidencinlthe paymenl8.
Borrower shall promptly discharae any lien which hIS priority over this Security Instrument unl_ Borrower: (I)
I&r- in writin, 10 the payment or the oblilation secured by the lien in a manner Icceplable to Lender; (b) conle818 in
aood flith the hen by, or defends apinst enforcement or the lien in, leall proc*inp which in the Lender's opinion
operate 10 prevent the enrorcement or the lien; or (c) secures from the holder of the lien In llreementllltiarlclOry 10
Lender lubordinatinl the lien to this Security Instrumenl.lr Lender determines thltlny pari or the Propeny II subject
to I lien which mlY IIlain priority over this Security Instrumen., Lender mlY live Borrower a notice identirylnl the
lien, Borrower shill aatisry the lien or lake one or more of the Ictions set rOrlh lbove within 10 days or the pvinl of
notice.
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~ 1169 PAGE Hlfj
!~
5. hazard or Property I.sace, Borrower shill keep the improvl .18 now elimina or hereafter erected on
.he Properly inaured Iplnat lOt.. "'1 rire, hlzarda included wilhin the term ....ended coveraae' and any other hazarda,
includina nooda or noodin" ror which Lender requite! insurance. Thil inaurance shill be mlintained in the Imounta
Ind ror .he periods that Lender requires. The insurance curier providina .he insurance shall be choaen by Borrower
subject to Lender's approval which shell not be unreasonably withheld. Ir Borrower flils to maintain coverap de.crlbed
lbove, Lender may, It Lender's option, obtain coveraae to protect Lender's rilhll in the Properly In accordance with
paraaraph 7.
All inaurance policies snd renewlls Ihall be Icceptable '0 Lender Ind shall include I standard mOrlpp clause.
Lender shall have .he riaht to hold the policiee Ind renewall. Ir Lender requite!, Borrower shall promptly live to
Lender all rec:eipll or jl8id premiumllnd renewal noticee. In the event or 118, Borrower shill live prompt notice to the
lnaurance carrier Ind Lender, Lender mlY make proof or 1081 if not mlde promptly by Borrower.
Unl_ Lender Ind Borrower otherwille laree in writina, insurance proc:eeda shill be Ipplied to rartoration or repair
of the Properly damlaed, if the restoration or repair is economically reuible Ind Lender's security il not l-.od, Itthe
reatoratlon or repair is no. economically reuible or Lender'llIIlCuri.y would be I_ed, the inaurance ~ shall be
applied to the lumlllllCUred by this Security Instrument, whether or not then due, with any elcellJ paid to Borrower,lt
Borrower abandons the Properly, or doea notlnswer within 30 days a notice rrom Lender thltthe ilUluranc:e carrier hu
ortered to 8llttle I cllim, then Lender may collect the insurance proc:eeda. Lender mlY uae the Jlf'OCeoda to repair or
reatore the Property or to pay sums secured by this Security lnatrumen., whether or not then due. The 3O"day period will
beJin when the notice il Jiven.
UnI_ Lender and Borrower otherwise laree in writina, sny application or ~ to principal shell not ellend or
poalpone the due date of the monthly payments referred to in paraaraphs I Ind or chenll the amount of the paymenta.
Ir under paraanph 21 the Property is acquired by Lender, Borrower's riaht to any insurance policies Ind ~
reaultina from damlp to the Properly prior to the acquisition shill pI88 to Lender to the ealent or .he sum I ~red by
thil Security lnatrument immediltely prior to the Icquisition.
6. Occupsacy, Pre..rvstloD, Msiatealace lad ProtectioD of tbe Property: Borro"er'. LoaD Applicatioa;
LealCboldl. Borrower shall occuPy, eetablish, and _ the Properly 88 Borrower's principal residence within silty ell,.
efter the elecution of this Secunty Instrument and shall continue to occupy the Property as Borrower's principal
residence for stleut one yeer erter the date or occupancy, unl_ Lender otherwi811lar- In writin" which ~t ahall
not be Ulll'elllonably withheld, or unl_ eltenuetina circum....ncee erist which Ire beyond Borrower's control, Borrower
shell not destroy, damlp or impair the Property, IlIow .he Properly to deteriorate, or commit wute on the Prope.lf.
Borrower shall be in detlult if any forreiture 1CIi0n or P~na, whether civil or criminll, is beaun that In Lender's
aood flith jud,ment could result in rorreiture of the Property or otherwise mlterieJly impair .he lien created by this
Security Instrument or Lender'l lIIlCurity interest. Borrower may cure such a derlult end reinstate, 88 provided In
PBnanph 18, by cauaina the Iction or ploc.,.,dina to be dismi8lllld with I rolina that, in Lender's JOOd faith
determination, precludfa forreiture of the Borrower'l Interest In the Property or other msterill impairment of the lien
created by this Security Instrument or Lender'sllllCurity interest. Borrower shell also be In derault if Borrower, durina
the loan Ipplication ~, pve mlterillly fllse or inlCC:unte information or Slltements to Lender (or failed to
provide Lender with Iny mlterial Informllionl in connection with the lOIn evidenced by the Note, Includina. but not
limited to, reptellentationa concemina Borrower's occupancy or the Property 88 I principal residence. If this Security
Ill8Itument is on I leasehold, Borrower shall comply with III the provisions of the leue. If Borrower Icqulres roe title to
the Properly, the leasehold and the foe Jitle shill not merae unl_ Lender laree& to .he meraer in writina.
7. Protectloa of Leader's Ri.btlla tbe Property. Ir Borrower rlils to perrorm the COVenlntB end aareements
contained in this Security Instrument, or there is a lepl proceedina that mlY lianiriclntly artect Lender's rilhts In the
Property (such as I proceedina in bankruplcy, probate, ror condemnation or forreilure or to enforce laws or
re,ulltions), then Lender mlY do and pay for whatever is necessary to protect the value of the Property snd Lender's
ri,hts in the Properly. Lender's Ictions mlY include payina any sums secured by e lien which has priority over this
Security Instrument, Ippeerina In court, payina reasonable attorneys' fees Ind enterina on the Properly to meke repai....
A1thouah Lender mlY take action under this panaraph 7, Lender doea not hive to do 10.
Any amounts dilbursed by Lender under this panaraph 7 shall become additional debt or Borrower secured by thia
Security Instrument. UnlfIII Borrower and Lender laree to other terms or payment, theae amounts shall beer Intereat
rrom the date or disbUl'llementat the Note rate and shell be payable, with interest, Upon notice rrom Lender to Borrower
reqllClltlna payment.
8. Mort,e,e lalunace. If Lender required mortaaae insurance as I condition or maklna the loan ~red by this
Security Instrument, Borrower shall pay 'he premiums required to mainllin the mortaaae insurance in e(feet. If, for eny
reeaon, .he mortasp inaurlnce coveraae required by Lender lapses or c~ to toe in erfec., Borrower shell pay the
premiums required to obllin coverall substantially equivalent.o .he mortaap insurance previously in erreet, at e cost
substentillly equivllent to the COlt to Borrower or the mona.ae insurlnce previously in efreet, rrom sn alternete
monpae insurer IpproVed by Lender. " SUbsllntially equivalent mOrlpp insurance coveraae is not eveillble,
Borrower shill pay to Lender each month I sum eqUllto one"'twelrth or the yearly mortalae insurance premium bein.
paid by Borrower when .he insurance coveraae I.peed or ceased '0 be in etrcct. Lender will accept, use snd retain th_
paymenll 88 a 118 reserve in lieu or mOrlaaae insur.nce. Loss reserve payments msy no lonaer be required,
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BOOK 1169 PACE 187
oAt the option or Lender, Ir m '..p lnaurence coverap (In the Imount . ror the period that Lender requh..)
provicle.l by an lnaum IpproVIllo "y Lender apin becomes eVlillble Ind II oo..ined. Borrower shall pay the premiums
required 10 mlintaln mortp.. lnaurance In erfect, or to provide a I~ ,...-ve, until the requirement ror mortp..
inaunnc:e encla In eccordenc:e with any written lpeement between Borrower Ind Lender or Ippllcable Ilw.
9. IDlpectioa, Lender or ltalpnt mlY mike reuonlble entries upon end Inspectlona of the Property, Lender shall
live Borrower notice et the time of or prior 10 an Inspection Ipeciryln. ramnable ca_ for the I~on.
10. CODdemDltloD, 1lIe ~~ or Iny Iward or cllim ror damapa, direct or conaequentill,ln colllleCtion with
Iny condemnation or other ta n. of Iny part or the Property, or ror conveyance in lieu or condemnation, ere hereby
_pled and shell be paid \0 Lender.
In the event or e total tlkin. of the Property, the p~ shell be Ipplied to .he sums secured by this Security
lnatrument, whether or not then due, with Iny el~ paid to Borrower. In the event or I partial takilll or the Property In
which the rair market vllue or the Property immedietely berore the tlkln. is equal to or lrater than the emount of the
lums ~red by this Security lnatrumentlmmediltely berore the taklnl, unJ. Borrower Ind Lender otherwise epee
in writlnl, the luml aocured by this Security InatrUment shell be reduced by the Imount or the ~ multiplied by
the followin. rraction: (I) the IOtal amount or the sums aecured immediltely berore the tlkinl, divided by (b) the rair
market value of the Property immediltely berore the tlkinl. Any balance shall be paid to Borrower, In the event of a
partial takllll of the Property In which the rllr market value of the Property immediltely berore the tlkin. Is I. than
the Imount of the aums _uted Immediltely before the tlkinl, unl. Borrower Ind Lender otherwise apee In writlnl
or unI. Ippllcabls IIW otherwise provides, the pc'OCeeda shall be lpp1ied 10 the sums secured by t'Ua Security
InatrUment whether or not the auml ere then due.
If the Pr~ tf II ebendoned by Borrower, or ir, efter notice by Lender to Borrower that the condemnor off.. to
make an Iwen! or settle e claim ror dam IPS, Borrower falls to respond to Lender within 30 days after the date the
notice is liven, Lender il euthorized to collect and epply the ~, at lis option, either to restoration or repair or the
Property or to the sums _uted by this Security lnatrument, whether or not then due,
UnI. Lender end Borrower otherwise alfeO In writlnl, Iny epplication of ~ to principal shall not eltend or
panpone the due date or the monthly paymenta referred 10 in paraplpha 1 Ind 2 or chen.. the emount of 8\lCh
paymentl.
II. Borrower Not ael_d: ForbeersDc:e By LeDder Not s Welver, Eltenaion of the time for payment or
modiricetion of emortization of the sums aocured by thll Security InatrUment lflllted by Lender to any 8l'OC .. in
in'-lor Borrower ahe11 not operate 10 release the Iilbllhy of the orilinal Borrower or Borrower's au" '"' in
interea1. Lender ahe1lnot be required to commence proceedinp lpinat any au .r in intereat or ref~ to eJtend
time ror payment or otherwise modify amortization of the BUms ~red by this Security InatrUment by reeaon of any
demand made by the orilinal Borrower or Borrower's SIJ(( ....... on in intereat. Any forbearance by Lender in e..mlin.
any riptor remedy ahe11 not be a wliver of or preclude thulerci. or any ript or remedy,
12. S_,_S sod ANI,DI BOUDd: JOiDt sod Several L1eblllty: eo..iper., The covenanta and lpeementa
of this SecuritylMtrUment ahe11 bind Ind !lendit the s''''-'re Ind _.... or Lender end Borrower, BUbject to the
proviaiona of patlplph 17. Borrower's covenantalnd llreementa shell be pnt Ind several. Any Borrower who co......
this Security lnatrument but doea not necute the Note: (I) is co-.ianin. this Securi.y Instrument only to mort...,
IfIIIt end convey that Borrower's intereat in the Property under the terms or thil Security lnatrument; (b) II not
penonally oblipted to pay the sume aecured by this Security Instrument; end (c) 1...- that Lender and any other
Borrower mey lpee to cl1end, modify, rorbeer or mike Iny ICalmmodations with reprd to the terms or this Security
InatrUmentor the Note without that Borrower's consent.
13. LoaD Chlr.e.. If the loan l18Cuted by this Security lnatrument is subject to I IIW which seta mlumum loan
cherps, Ind that law is finally Interpreted 80 that the lntereat or other loan chirps collected or to be collected in
connection with the loan elceed the permitted Iimita, then: (I) Iny such loan char.. shill be reduced by the emount
n_ry to reduce the chlr.. to the permitted limit: and (b) any BUms II ready collected from Borrower which
elceeded permitted Iimlta will be refunded to Borrower, Lender may COOc.e to make thil refund by reducin. the
principal owed under the Note or by mlkinll direct payment to Borrower, If I refund reducee principal, the reduction
will be treated 18 e partill prepayment without any prepayment charp under .he Note.
14, Notices, Any notice to Borrower provided ror in this Security lnatrument shall be liven by deliverinllt or by
mlllin. It by first cl.. mill unl. appliclble law requil'Clll U5e or another method. The notice shell be directed to the
Property Ac1dns or Iny other IddmaI Borrower deairnllell by notice to Lender. Any notice to Lender shall be liven by
first clue mail to Lender's Idd~ stated herein or eny other addralll Lender deeilr"ltell by notice to Borrower. Any
notice provided ror in this Security Instrument ahlll be deemed to hive been liven 10 Borrower or Lender when liven
IS provided in this paraplph.
(5, GoveralD, Law: Severlblllty. this Security InatrUment shall be IOverned by rederellew end the Ilw or the
juriediction in which the Property isloc:ated. In the event thatlny provision or clluae or this Security Instrument or the
Note conlllcta with Ipplicable IIW, such conflict ahlll not arfect other proviaiona or thl. Security Instrumen. or the Note
which can be liven errect without the conllictin. provision. To this end the proviaiona or this Security lnatrument and
the Note Ire decllred to be severable.
~ -IIt.Al "'01'
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eODK 1169 PACE 188
16, 1I0rrow.r's Copy. Bo er mill be ,iven one contormed copy 01' jOIe Ind ohhls SecurilY lnatrumenl,
17. Trea.t.r 01 tb. Prop.....y or s Beaeficlel loterellla Borrower, II III or Iny part or the Property or any
Intereat In It Is aold or trenafcrred (or Ir I benericilllnlerc8t in Borrower is eold or lrBnsferred Ind Borrower II not e
nelural penon) without Lender's prior wrillen COMenl, Lender mlY, It lla oplion, noquire Immediale payment In tull or
III 81111II secured by this Security Instrumenl. However, thil option .hlll nOl be elercilled by Lender il 'lereI. Is
prohibited by redcralllw II 01 the dale or thll Security Instrument.
Jr Lender .lercI_ thI. option, Lender shill ,i ve Borrower notice or Icceleration, The nolice mell provide e period
ot noll_ than 30 de)'ll from the dale Ihe notice Is delivered or milled whhln which Borrower mlllt pay III sums -.:ured
by thil Securily lnatrumenl." Borrower rills lo pay th_ sums prior lo Ihe llpiration or Ihie period, Lender mlylnvoke
any remedi.. permitted by lhis Securily lnalrumenl whhoUl rurthernolice or dcmlnd on Borrower.
II. Borrow.r's RI.bt to Relauete. Jr Borrower meela certain conditione, Borrower mill have Ihe richt lo have
enfon:ement or this Securily IlI8lrument diacontinued Illny time prior lo lhe earlier or: (a) 'da)'ll (or such other period
II applicable lew mlY .pecUy for reillSllllement) betore BIle or the Property pursuant lo any power 01 BIle contained In
this Security lnatrument; or (b) enlry or e jud,menl enrorcin. this SecurilY Instrumenl. Thoae conditlona ere that
Borro.er: (I) pa)'ll Lender all sums which then would be due under lhls Security InaJrumenl Ind the NOIe II If no
Ial8leratlon had ooc:urred; (b) curea Iny derlull or eny other covenenla or I.....menla; (c) pays all elpenaea Inc:urred In
enforclna thil Securily Instrument,lncludin" bUl nOlllmited lo, reuonlble Illomeya' t_: Ind (d) tat.. such BC't/on II
Lender mlY ..-mebly noquire 10 ..ure Ihallhe lien of this Securily In.atrumenl, Lender's ri,hla in the Property end
Borro....'1 obllptlon lo pay the sumslCCured by this SecurilY lnatrumenlmlll contlnue unchanpd. Upon rcinatetement
by Borro.er, this Security lnatrumenllnd the obliptlona ICCUred hereby shall remain rully elrcetlve aalr no ecceJeratlon
had ocaJrrcd. However, this richt lo reinataleehall noupply in the cue 01 acceleratlon under paraaraph 17,
19, Sele 01 No..; CIIu.. 01 Loaa Servlcer, The NOIe or I partial intereat in the NOIe (lo..ther with thia Security
Instrumllll) mlY be eold one or more timea without prior notice lo Borrower. A 8I1e mlY l'C8ull in e chan.. in theentity
(kno.n II the "Loan Servicer") that collcela monthly paymenta due under lhe Nole end this Security Instrument, There
1110 mlY be one or more chan... or the Loan Servicer unrellted lo I BIle or the NOIe. Jr there is e chan.. 01 the Loan
Servicer, Borro.er will be liven written notice or the chan.. in Icc:ordance with parBaraph 14 ebove Ind lpp1iceble lew,
The notice willBtlIe the name end eddrcM or the new Loan Servicer Ind the Iddns lo which paymenta mould be made.
The notice will aleo contain any other intormltlon required by applicable Ilw.
a, "..ardoue SU"'taaCCII. Borrower shall not calllC or permit the presence, IIIC, c1iapo8l1, etora.., or reJ_ of
any Haardolll Subatancea on or in the Property. Borrower ehaJl not do, nor IlIow anyone elac lo do, anyth/1lI .,fectllll
the PJOpeny that Is in v1olltlon of eny Environmental Law, The precedilll two IlClltencea shall nOllpp1y to the~,
IIIC, or alora.. on the Property of smell quantltlea or Hezerdolll Substancea thaI Ire 181\erally recop1lzed to be
Ippropriate to normel residential ~ and lo maintenance or the Property,
Borrower ehaJl promptly .ive Lender wrillen notice or eny inveatlption, clllm, dcmand,llwsuit or other ection by
an, IDvernmental or reauJetory eaency or privale party involvin. the Property Ind eny HIUrdOIll Substance or
Environmental Law 01 which Borrower haa aClual tnowled... Jr Borrower learns, or is notmed by Iny IDvernmental or
J'IIUlllory euthorilY, that Iny removll or other rcmediltlon or Iny HIUrdolll Substance atrcetin, the Property is
~,Borrower ehaJl promptly take III n_ry remediallctiona in acc:ordance with Environmental Law,
A. I-.l In this JIIfIaraph ~, "Heumolll Subatancea" are thoae substancea derined aa lode or haurdolllsubatancea
by Environmental Law end the followln, substancea: '18OIIne, teroeene, other nlmmable or 10lic petroleum producta,
toDc JllIIliciclea end herbie/dca, volllile eolvenla, mater/lis conllinin, 88bestos or rormlldchyde, and radioactive
mlteri.... A. ~ in this parBaraph ~, "Environmental Law" means tedenllaws and Ilws or the jurilldiction where the
Propert, illocated that rcllte to heeJth, Blrety or environmental protection.
NON-UNIFORM COVENANTS, Borrower and Lender furtbercovenlnl and 1'_ 88 follows:
21. Accelentloa; Remcdles, Leader Ibell .Ive notice to Borrower prior to sccclerstloa lollowla.
Borrower's breecb 01 say cov.alat or s.reemcDt ID tbl. Security laltrumeDt (but Dot prior to sec:elcntloD
vad.r JIIfIIfSpb 17 ual... sppUcable lew provides otberwlle). Leader Ibell aotlly Borrower of, emoDI otber
tbla.e: (I) tbe d,Ieult; (b) tb. eetloa required to cure tbe delault: (c) wbea tb. deleult mu.t be cured; aad Cd)
tbst flllure to cure tbe defsult Sl lpeeilled mey rClult la ecccleratioa of tbe .uml lCCured by tbls Security
laltrumeat, lorec:loeure by judlclll proceedla. lad nle 01 tbe Property. LeDder lbell lurtber IDlorm
Borrower of tb. rl.bt to relaltste aft.r scc:clerstloa sad tbe rl.bt to a..ert la tbe loreclOlure pr_dla. tbe
aoa"lilteDce of a d,'sult or eay otber deleale of Borrower to lceeleratloa eDd foreclolure. If tb. delsult II
Dot cured I' lpeelll.d, Lead.r, st Ita optloa, msy require Immedllle pay meat la full of ellsuml securcd by
tbll Securltylastrum.at wltbout furtber demaDd sad mey forec:lole tbll Security IDltrumeat by judicial
proc:ecdla.. Leader lbell be eDtltled to collect sll elpeDIe.lacurred la purlulD, tbe remedies provld.dlD tbll
pare.rlpb 2l,lac1udln., but notUmlted to, etlorneYl' feel ead caUl of tltlecvldeace to tbe cltent permitted
byeppllceble Ilw.
21 R.le..., Upon paymenl or allsumllCCured by this SecurilY IlI8Irumenl, this SecurilY Instrument and theeatale
conveyed Ihlll terminete Ind become void. After such ocx:urrence, Lender shall dillChlr.. and BIliary this Securily
Instrumenl withoul charplo Borrower. Borrower shall pay Iny recordation COBlIJ.
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XCII07DMI ,os
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aOaK l1G9 rACE 189
23. W.!vars, Borrower, . ,e ellent permitted by Ippliclble law, 9 18 1M rel_ Iny error or clefec1a In
pl'ooeedlnp to enfolCl thla Secu. .,y IlIItrument, Ind hereby waiv.. the benehl of Iny preent or future II" providin,
for NY of elec;ution, ntenaion of time, nemption from IltIchment,levy Ind ale, end homeateed nemption.
2.. Rel,Dltatemeat Period. Borrower'l time to reinstate provided in peraaraph 18 shill eltend to one hour prior
to the commencament of biddln,et e aherifrs _Ie or other _Ie purauent to this Security IlIItrument.
25, Pure.... MODey Man'I... If eny of the debt eecured by thll Security hwtrumentll lent to Borrower to
acquire title to the Property, this Security IlIIlrUment shall be e purc~ money mortp..,
26. IDtanal "te Aftar lud,meDt, Borrower Iar- that the inlere8l rate peyehle efter e jud,ment Is entered on
the Note or In en eetion of mortp.. foreclOlute shall be the rale peYlble from time to time under the Note.
17, Riders to tllla Security IDstrumeDt. If one or more ridera Ire necuted by Borrower Ind recorded topther
with this Security InatnJment, the covenen18 and lareemen18 or each luch rider shall be Incorporated Into end ahaIl
amend 1M supplement the covenan18 Ind lareemen18 or thil Security lnalrument II If the rider(s) were I pert of this
Security IlIIlrUment. ICheck Ipplicable bol(ee)1
~ Adjuatehle Rale Rider ~ Condominium Rider ~ 1-4 Pemlly Rider
Graduated Payment Rider Planned Unit Development Rider Biweekly Payment Rider
Balloon Rider Rate Improvement Rider Second Home Rider
V,A, Rider Other(s) lapeciryl
PIlEPAllED BY I CYNTHIA WEAVER
HAMISBlIl8. PA 17112
BY SIGNING BBLOW, Bonower ecc:epta 100 lpeea to the terms Ind covenen18 contained in thia Security
lnalrUment end In any ridet(s) elec;uted by Borrower and reco~ith it, , ~ / /
Wiu- ~.~.d-- (SeeI)
~ DY E. ER -"ro...
I I oN J1()I6P1 ~ IIA
'ftJ ItJdf It KAREN L. RESTER
(SeeI )
,"ro...
()4
(Seel)
-Darro..,
(lIeeI)
.Berro...
Cartlflcate of Relldeac:e
I, the subscriber, Cynthia Weaver
I~ of the withln"Jllmed Mortppe is 440
60061
, do hereby certify that the c:orrect
North Fairway Drive, Vernon Rills, I11inoia
Wiu- my hand thla 29th
clay or seP~mb8l' ,1993 '
li~ l.JJp~'f?~
FRANKLIN CoUDty II:
A.-t ", Morli_
COMMONWEALTH OP PENNSYLVANIA,
On this, the 29th
orrlcer, peraonally Ippeered
clay or september ,1993
Brady E Rester and Karnn L Hester
, before me, the undenIplIld
known to me (or aetiarlctorily proven) to be
the peraon s whose nlmlla are lubscribed to the within instrument and aclmowled,ed that they
OIecuted the _me for the pu~ herein contained,
IN wmmss, WHEREOP, I hereunto llet my hind Ind orricial seal. ~ ~
t.!yCo~.i!l!'lonElpiree: /~........)" ~/~
~t...:'.." t>>1:r~aI 5.11 --
...... -:'/!"~':"I' . , IDA L t.\:NEW. NOTARY PUBLIC \ .
: .J: ;, ~'. Chambellburg Boro, Franklin County . ~ ~.....; ~ ~><,dq~./
;..:. \-.;.. commission expires Oct. 20.1993 Tille ot OttlCA'
'~.'..
...~?/.t ...~~':..
~"":".,,,lfJ,'~O',
"1. .
..... .f .
Ftr8I 1111 11M
X.CUO'lDAAP .os
eooK1169 PACE 190
/
NOTE
LENDER'S I 09-02-32773
SEPTEMBER 29. 1993
ID...I
CHAMBERSBURG
lal,l
PENNSYLVANIA
IS....I
432 SOUTH FAYETTE STREET, SHIPPENSBURG. PENNSYLVANIA 11257-1139
[Pro...rl, Add....)
."
I, BORROWER'S PROMISE TO PA Y
In return ror I lOIn that I have received, I promise to pay U.S. $71 .250. OO--n----------n----{this smount is celled
"principal"), p1l18lnlerest, to the order of the Lender. The Lender is SEARS MORTGAGE CORPORATION. AN OHIO CORPORATlOM
, 1 uncIentand
that the Lender mlY trall8fer this Note. The Lender or Inyone who l&kes.his Note by transfer Ind who Is entitled to reoeive
paymenl8ll1l1h' thil Note Ie celled the "Note Holder."
2. INTER~T
In.... will be char&ed on unpaid principal until the full amount of principal has been paid. I will pay interm It e
yeatly rete of 000_000_00_000__7 . 5000~.
The inteNt rete required by thia Section 2 is the rate I will pay both before Ind aher any dereult ck8cribed in SectIon
6(8) 01 thIa Note.
3. PAYMENTS
(A) Time ead Plsce 01 Psymeau
I will pay principal.nd Inten18t by mlk1nl payments every month.
I will make my monthly payments on the FIRST day of each month beainninl on NOVEMBER I ,
IIl83 , I will make t"- payments every month until I have paid all or the principal and interalt end any other
chera- deecri'*i below that I mlY owe under this Note. My monthly payments will be applied to interalt before principal,
If, on OCTOBER 1, 2023 , I atill owe amounts under thil Note, I will pay thOMl emounts in lull on
that elate, which is celled the "Maturity Date,"
I will mike my monthly paymentset 440 NORTH FAIRWAY ORIVE. VERNON HILLS, ILLINOIS 60061
or It I dlrrerent pllco if required by the Note HoIcIar.
(I) Amouat 01 Moatbly Paymeau
My monthly payment will be in the Imount or U.S. $ 49B. 19------000-------,
.. BORROWER'S RIGHT TO PREPAY
I hew the rlpt to mike payments of prjncipal.uny time berore they are due. A JlIyment of principal only Is known en
"pr8IlIyment." When I mlku prepayment, I will tell the Note Holder in writin, that I am dolnlllll,
-I may make e full prepayment or partill prepeymenta without payinllny prepayment charae. The Note Holder will 1180
111 of my prepllmen18 to reduce the amount or principal thlt I owe under this Note.1r I mike e putial prepayment, there will
be 110 chen.. In the due date or in the emount of my monthly payment unl_ the Note Hollier alr_ in writilll to w.
chan...
5. LOAN CHARGES
Ir SIIW, which applies to this lOIn Ind which sets muimum loan chirp, Is rinelly Interpreted 10 that the interest or
other 1011I charpa collected or to be collected In coMectlon with this loan elceed the permitted 11 mite, then: (I) Iny auch 1011I
char.. ahall be reduced by the Imount n_ry to reduce the charp to the IlOI'mitted limit: end (ii) eny aums already
colliCted from me which elc:eeded permitted limite will be rerunded to me. The Note Holder may choose to mete !his refund
by reducilll the principell owe under this Note or by makinl a direct payment 10 me. Ir I refund reducea principal, the
reduction will be lreIted uelllrtial prepayment.
6. BORROWER'S fAILURE TO PAY AS REQUIRED
(A) Late Cber,e lor Overdue Peymeatl
If the Note Holder hu not received the rull Imount of any monthly payment by the end or 15 calendar day. after
the date It Is due,l will pay I lite chlrae to the Note Holder. Theamount ofthe chirp will be----------------5.0000~ 01
my overdue payment or principal Ind Interest. I will pay this late cherie promptly but only once on each lete payment.
II) Dsleult
II do not pay the fulllmount of each monthly payment on the date It Is due,l will be In deflult.
(e) Notice of Dellull
Ir lem in derault, the Note Holder may send me a written notice tellinl me that Ir I do not pay the overdue emount by e
certain date, the Note Holder mlY require me to pay immediately the fulllmoun. or principal which h.. not been paid end
....nnAn PlllIIIlAn IIIlI-S...I. fllllily .F.... ~Fr..... _ u.l1.....Ir_
,... , .1 I
_-utlll...1I XC.IOODAAA.02 v.... "O~TaAOI 'O~"I' IJIII.U'''OO' IIOOllll.TJll
PM1 CERTI - 1440251 PMI COMPANY - MORTGAGE GUARANTY INSURANCE COMPANY [M01CI
EXH'BIT.[~'I
'11' the interc.t thlll owe on that.. ~unl. ThaI date mwt be It least 30 days Ih.., ./Ie date on wllich lhe notice is delivered or
milled to me.
(D) No Wslver By Note Holder
Even If, et s time when lem in derault. lhe Note Holder doee not require me to pay Immediately In rull . ~becI
lbovel..the Note Holder will still have the ri&ht to do BO If I am In detlult It a liter time.
fl!) PaymeDt 01 Note Holder's Cae.. sad ElpeD..s
t the Note Holder hea required me to pay Immecliltelf in full u deKribecl above, lhe Note Holder will have the ri~
be paid beck b)' me tor ell of ita c:oate Ind el~ in entomn. this Note to theenent nol prohibited by Ippliceble IIW,
elJl8l1lll8lnclude, toreumJlie,lW*Ineble attomeya' t_.
7. GIVING OP NOTICES
UnI_ IJlIlIlceble lew requires s dirterent method, Iny notice that mll8t be liven to me under thia Note will be liven by
deliver/III it or by mlililll it by firat ClUB meil to me at the Property Addl'ell8 lOOve or ale dilrerentaddl'ell8 it I live the Note
Holder e notice ot my dilferentlddl'ell8.
Any notice that mlllt be liven to the Note Holder under tllia Note will be fl'ven b,v maililll it by firat cl_ mail to the
Note Holder et the eddte.ltlled In Section J(A)lbove or all dirferentlddl'ell8 111m liven e notice ofthlldirterenteddte-.
8. OBLIGATIONS OP PERSONS UNDER THIS NOTE
Jr more than one penon alp this Note, each person Is rully Ind personally obllpted to keep all or the prom i_ made In
this Note. includllll the promi. to pay lhe fulllmount owed. Any person who la I cuarentor,lIUI'elY or endonw 01 thiaNote
is a110 obllpted to do u- thinp. Any pemm who tlk.. over th_ obllptiona, ancludin. the ot,liptiona of el\llf8lltor,
8lII'ety or eridoner of thia Note, is a1ao obllpted to keep ell of the proml_ made In thil Note. The Note Holder me,__
Ita rilllta uncIar this Note epillllt each person Individually or apinst all or lIB topther, This meena lhaleny one of lIB ma, be
requf"red ~1 all or the emountaowed under this Note.
9, W AIVIlRS
I end sny other penon who hu obliptions under tllia Note waive lhe ripla of presentmenl and notice of dIahonor.
"Prl8entment" meena the ritht to require the Note Holder to demand paymenl or amounla due, "Notice of dishonor" m_
the ~.ht to require the Note Holder to live notice to other persons thalemountadue have not been paid.
10, UNIPORM SECURED NOTE
This Note Is e uniform inatrument with limited varietions in BOme juriadictiona. In addition to the prol<<tiOllll liven to
the Note Holder under this Note, e Mortpp, Deed or Trust or Security Deed (the "Security lnatrument"), dated the aeme
date u this Note, ~tec1II the Note Holder from poeble I.... which mlaht result if I do not keep the prom'- wllic:h I
make In this Note. That Security Instrument cleacribea how and under what conditions I mlY be required to make Immediate
payment in full of a1lemClUllta I owe under this Note. Some of the. conditioll8 ere deacribecl. fellows:
Trull., of'" Property or s BeaeflclsllDtereat ID Borrower. Ir all or any pert of the Pl.....11 or Ill)'
Inlereat in it Ia aold or tranaferred (or if e beneficial interc.t in Borrower Is BOld or trlnaferred and Borrow.. Is not
ell8ture1 penon) without Lender's prior written consent, Lender mey, at Ita option, require immedllte payment In
full of all BUmB -- b, this Security Instrumenl, However, this option shall not be elen:iaed by Lender if
earcI.ls prohibited b)' federallew u of the date of this Security Instrument.
Ir Lender e...,.. thia option, Lender aheJl live Borrower notice at acceleration. The notice ehall provide e
period of not 1- then 3D days from the date the notice Is delivered or mailed within wllich Borrower mlllt pa, all
sums aecured by this Security InstrumenL U Borrower fllla to pay the. BUms P!"or to the elpiretion or thIa period,
Lender me)' Invoke any remedies permilted by tllis Securily Instrument Without rurtber notice or demand on
Borrower.
WITNESS THE HAND(S) AND SEAL(S) OPTIm UNDERSIGNED.
A~
BRADY Eq~,
SSN:
(Seal)
,{O ll2J'1 fft 1/ L-. ~.
KAREN L. HESTE
SSN:
(Seal)
-Bot",...
-Borro..,
SSN:
(Seal)
-80rro..r
SSN:
(Seal)
-Bot",..
'U'1'O'1'lIECJ\OEI\or. " ,",.0"".., o./rJ
__-11I.1'01... XCJIOODMI.II2
,... J ., I
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F'''''-'' . ~
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lotlc. .f ..,Ierll Iii Lie
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~
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, '" pro.... _ IIIUeM 1m. ..... IlMI .. of .. InIImaI IItvInue
, OMI, we .. IIvIItI . IICItIat lilt tint (Inc1uc111111 IIIl1r11t &IlII PlIIIIIIeI)
.. "M lIMn ........ .......1lIe toIlMInI-IlIlltIlIlPPlyW. We "IVlIIIId.
. . fIIIIantl JD, PIwmtnI If .. 1IIIIIIIr. N . I'IJneIIII unptId. """....
'.""" II . 11Ift In favor .. .. IIlIIIId ..... III III ~ Ill. "II"" Ie
"......, ~:I.'1" thlIlUpIytr fir fl. lIlIOunt If ..... "'" Illd
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11II. of uPQlt I"ADY ."
Hl8TIAI DRYWALL "~VJCI
....lei"'" "II' 'AVITTI IT
8t41'PINIIURI. "I. 112151-173'
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'41 ~/311' IS-I6321'l!, Of/0f"4 1001.10
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'41 091:101 la-16U"' 0"0'''4 aen...
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Ice of '11I"11
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Total .
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iI. nolle. Wit prepIl1l! IIl4 '!gn'd I' ~h I I ad.: ph i I. lOA
, .. .--..",.- ,- ~",... -...-...
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lIlOt.. 0,,,_,.,, "1Inr al/llltlll., ., ,...... III' IC"'IWI,,,,,,.II :, .... ,,"0111I,,1/1, YI"~I1" MIIl..., '_11 TII U.
....,"u1. "...., ",. .. 0.'. 4011 __d ,_ 101 (Y) (1IIIv IMlI
I'IIt 1 . kepII)' _rdlllll OffiCi .
EXr-IlBIT"c.'1
")
)
Jun. 17, 1995
PNCMORTGAGJ.
PNC MORTGAGE CORP. 01' AMERICA
P.O.1IoIl 02105I
MIami. F10lIda 33102
I( iH 1111 L Hl1liter
432 50uth Fa~ett. St
5hippensbur9, PA 17257
Toll Free Numberl
1-800-736-9090
9100 p~ - 5100 PM
Append h A
ACT 91 NOTICE
rAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
The COMmonwealth of Pennli~lvania's Homeown~r'. Emerg~ncy Murtgage
Alisistance Program ma~ be able to help xou. Read the fol10willR Ilotice
to find out how the program works.
If XGU nl1ed mor. information call the Penn5~lvania Housing rinance
Agency at 1 (800) 342-2397,
La notificacion en adjuntu es de suma importancia. pues afecta su
derecho a cuntinuar vivi~ndo en liU casa, 5i no comprend~ el contenido
d~ l/sta notification obtenRa una traduce ion immediatamente llamando
esta .9Qncia (Pennsylvania Houliing Finance Agency) liin cargos al nUm~ro
me~ciunado arriba, Puedes ser eleRible para un prl1stamo par el programa
113m.do "Homeowner 'Ii Em~rgenc~ Murtgage ASliilitancl1 Program" el cual
rUfrde salvar su ca~a de la perdida del derecho a redemir su hipotpca,
ACT 91 NOTICE
IMPORTANT I NOTICE OF HO"EO~NER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE: YOUR HOME
FROH FURECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Datel Jti~e 17, 1995
REI Account No. I 0090232773
TUI Bradx E Hester and Karen L Hester
FROMI PNC Mortg.qe Corp. uf America
tou ~ay be ~liHible fur financial assistance that will prevent
foreclosure of your mort~age if you comply with the provisions uf the
lIorll&'woner'$ ElIll~rtlltncy Mort'lage Assistancli' Act of 1983 (the "Act").
You m~f be eligible for emergency temporary afifii~tance if ~our default
has tli'en caused by circumstances be~ond yuur control. yuu have a
reasunabl. proliPect of refium1n~ your mortgage paYm~nts, and if yoU
m~~t uther li'li>>ibility r~'luir~me"ls estatlish.d by th~ Pwnnsylvania
Hou.in~ Financl1 A~~ncy, Pl~ase read all of this Nutice. It containli
all .~pla"ation of your ri'lhts,
EXHIBIT'~I'
paR&' 2
00902327i'3
PNCMORTGAGI
PNC MORTGAGE CORP. OF AMERICA
P.O,1Iox 02I0lII
MIamI. F10ridlI 11.02
Under the Act, ~ou ar~ entitled to a te.porar~ stay of foreclofiure on
~our ~ort9sge for thirty (30) days fro. the date of this Notice,
DurinR that ti~e ~ou must arrange and attend a "face-to-face" ~eetinR
with a representative of this lender, or with a designated con~umer
cT~dit couselinB aBenc~, The purpose of this meetinR is to attempt to
work out a repa~ment pla~. or to otherwise settle your delinquenc~,
This .eeting must occur in th~ next (30) da~5, If you attend M fMce-
to-face meetin~ with this lender, or with a consumer credit counseling
agenc~ identified in this nntice, no further proceeding in ~ortgage
foreclosure ma~ take place for thirty (30) da~s after the date of this
meetinR, The na.e, address, and telephone number of our rRPresentative
iSI
rNC MortgaRe Corp, of America
8240 NU 52 Terrace, Ste 405
Mia.i, FL 33166
Telephone NUI.ber I 1-800-736-9090
The names and addresses of desiRnated consumer credit counseling agencies
are shown on the attached sheet, It is onl~ necessary to schedule one
face-to-face Np.eting. You should advise this lender immediatel~ of your
intentions,
YObT mortHage is in default because yOU have failed to pay Pt~fuptlv
install~~nts of principal and interest. as required, f"r a period
of at least sixt~ (60) days. The total amount of the delinquenc~
is . 1.944.64, This sum includes the followingl
Months Past Duel APRIL,MAY,AND
Late Charge Amountl
Retbrn Check Feesl
Miscellaneous Feesl
JUNE
'75,64
.00
.00
If ~ou have tried and ar~ unable to resolv~ this problem at or after
your ioce-to-face meeting, you have the right to applY for financial
assistance fron the Homeown~rs EmerRency MortRa9~ Assistance Fund, In
order to do this, vou must fill out. 5i~n and file a co~pleted
tlomeowner's EN~rgencv AQsislance Application with one af thw de.ignated
con~u~~r ~redit counselin~ agencies listed on the attachm~nt, An
applicotioh for aS5istan~e may only be obtain~d from a consumer credit
couns>>ling agencv, The con$umer credit counseling agency will assist you
in filling out your application and will submit vour completed
application to the Pennsvlvania Housing Finance Agency. Your application
must be filed or Fostmarked within thirty (30) days of your face-to-face
me~tin9f
011323
/')
Juu 17, 199:5
PNCMORTGAGI
Brad:.- E Hellter
PNC MOflTOAOE CORP. OF AMERICA
P.O. Iloa Cl2llOII
Miami. FIartda 33102
432 South Fa:.-ette St
Shippen.burg. PA 172:57
AppenlJ 1x A
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
Toll Free Number,
1-800-73(, -9090
8,00 a~ - 5'00 pm
The Co~monwealth of Penn~Ylvania's Homeowner's EmergenCY Mort9age
Assistance Pro "ram mo:.- be able to help YOU, Read the following notice
to finlJ out how the pr09ram works,
If yoU need nore inrornntion call the Pennsylvania Housing finance
Agenc~ at 1 (eOO) 342-2397,
La notificscion en adiunto es de suma inportancia, pues afecta su
derecho a continuar viviendo en ~u casa, Si no co~prende el contenido
de .sta notification obten"a una traduccion immediatamente lla.ando
est. agencia (Pennsylvania Housin9 Finance Agency) sin car905 al numero
wencionado srriba, Pued~s ser eleRible Fara un prestano por el ~rograma
11amalJo "Homeowner's Emergency Mortgage Assistance Program" el cUBl
p~erle 5alv~r 5" casa de la perdida del derecho a redemir su hi~otec. ,
ACT 91 NOTICE
IMPORTANT I NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGI:: ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROi1 r:ORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Date, June 17. 1995
REI Account No. I 0090232773
TOI Brady E Hester and Kar~n L He&ter
FROMI PNC Mort9aQe Corp. of America
You ~ay be eliqible for financial assistance that will prevent
foreclosure uf yuur murt9age if you comply with the pruvisions of the
1I0lllewuner '5 Enerf/ency Mort!la>!e ASliistance Act of 1983 (the "Act"),
You m~y be eligible for emergency temporary assistance if your default
ha& been caused by circumstances be:.-ond your control, YOU have a
reason~ble prospe,t of resumin9 your mortgage paym.nts. snd if yoU
meet uther eli9ibility requirements established by the Pennsylvania
Housin'1 Finance A9"no:y, Pleas. read all of this Notice, It contains
an e.planation of your rights,
-'
paR&' 2
0090232773
')
-,
PNCMORTGAGI
PNC MORTGAGE CORP. 0# AMEIllCA
P.O, lox 02105I
MIamI, I'Iclria 33.02
Und&'r th&' Act, ~au ar&' &'ntitled ta a t&'~parsry stay af far~closure on
~aur ~ort~sg&, far thirty (30) day. fra. the date of this Natice.
During that tiMe yau must arr.lIg. and att.nd a "f.ce-ta-f.ce" ~eeting
with a r~pr.sentativ. of this l.nder, ar with . desi~n.ted can.u~er
cr.dit caus.ling .A.nCy, The purpas. of this ~..ting is to .tte~pt to
work out . r&,paY~.nt pl.n, or to oth.rwise .ettle ~our delinquency,
This ....Ung ..u.t occur ill the n.xt (30) d.ys, If yau att.nd a face-
to-fa~w meeting with this lender. or with a cansumer credit coun.elin~
.genc~ identifi.d in this no tic., no further proce.ding in mortgaAe
fareclasur. ~ay t.k. place for thirty (30) days after the date of this
Ne~tin!J, The na..., address, and t.l.phone number of our representative
i.1
PNC Hortgage Corp, af America
a2~0 NY S2 Terrac&', St. ~O~
Mia..i. FL 33166
T.lephane Nu~berl 1-800-736-9090
Th. n.... and addr.sses of design.t.d consu..er credit counseling agenci.s
are shawn an the att.ched sheet. It is only neceSbarv to schedule ane
(ace-ta-fac. ....ting, Yau should advise this lender immediately af yaur
intention.,
'((,llr 1"(II'tRa!ll~ :la in default because ,YOU hiivt? failed t.o pay PI'anlpth'
inst~ll~&l\ls of prlncipal and intere.t, as required, for a period
of at least sixt~ (60) da~s. The total amount of the delihquenc~
is ~ 1,944.64. This sum includes the fOlluwingl
Months Past Duel APRIL,MAY,ANO
Late Charge Amountl
Return Check F.esl
Miscellan.ous Feesl
JUNE.
75.64
,00
.00
-
If YOU have tri.d and are unable to resolve this problem at or after
Yo~r face-to-face m.etin~, YOU have the right to ~pplv for financial
assist.nc. fron the Homeowners Emergency Mortgage Assistance Fund. In
order to do this, ~ou must fill out, sign and file a completed
1I0llleowt,er's Emll'rgll'nc~ Assistance Application I~lth one of the de..iRnated
con~u~er credit COun$eling a~encies listed all the Bttachmellt, An
application for a!isistall<:e may OIllv be obtain(~d frllm a consumePI' credit
counsoling .genc~, The consumer credit coun..eling .g.IICY will assiat ~ou
in filling out your application .nd will submit your compl.ted
applic~tion to the Penntiylvania Housing Fin.nce Agencv, Your application
must be fil.d or paatnnrkll'd within thirty (30) d.ys of your f.c.-to-face
meeting,
DH323
,
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paRt! 3
0090232773
PNCMORTGAGJ
PNC MORTGAGE CORP. Of' AMERICA
P.O.lIox 028051
MiMli. FIatlda 33.02
11 IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF
YOU 00 NOT 00 SO, OR IF YOU DO NOT FCILLOlJ THE OTHER TIME PE.RIOOt! SET
rORnl IN THIS L.El'TER, I'ORECI.OSURE MAY PROCEEO AOAINST YOUR HOME
IMMEDIATELY,
Availsble funda for en~rgency mortgage aaaiatance are very limited,
They will be disbursed by the Agency under the eligibility criteria
~.tablished by the Act,
It is extre.ely inportant that your application is accurate and
compldtQ in every respect, The PennSYlvania Housing Finance A~ency
has sixty (60) days to nBke a decision after it receives your
sPPlication, Ourin9 that additional tine. no foreclosure proc.edin~s
will be pursued against YOU if you have met the time requirement set
forth above, You will be notified directly by that A9t!nCy of its
decision on your application.
The FennsYlvania Housing Finance Agency is located at 2101 North Front
Street, Post Office Box 8029. HarriSburg, PennSYlvania 17105,
Telephone No, 1-717-780-3800 or 1-800-342-2397 (toll free number).
Per~onu with impaired h.arin~ can call 1-800-342-2397,
l~ addition, yOU mBY receive another notice from this lender under Act
~ of 1974, That notice is called a "Notice of Intention to ForeClose".
rou ~uul read both notlces .ince th~y both explain rights that You now
have under PennSYlvania law. However, if ,YOU choose to exercise your
ri~hts describ~d in this notice. YOU cannot be foreclosed upon while
vou are receivin~ that assistance,
Very Truly Yours,
PNC Hort~age Corp. of America
OM324
.
VERIPICATIOIf
The undersigned, an officer of the Corporation which i. the
Plaintiff in the foregoing Complaint or an officer of the
Corporation which is the servicing agent of Plaintiff, and being
authorized to make this verification on behalf of Plaintiff,
hereby verifies that the facts .et forth in the foregoing Complaint
are taken froll record. maintained by person. .upervised by the
undersigned who maintain the business record. of the Mortgage held
by Plaintiff in the ordinary course of busine.. and that tho.e
tact. are true and correct to the be.t of the knowledge,
information and belief of the undersigned.
I UNDERSTAND THAT FALSE STA'!'EMENTS HERBIN ARB HAD. SUBJECT
TO THE PENALTIES OP 11 PA.C.s. SECTION 4904 RELATING TO UNSWORN
PALSIPICATION TO AUTHORITIES.
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11AI;) EI 1-96 'ON
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United States of America
Office of the Attorney General
U.S, Oepartment of Justice
Room 5111, Main Justice Building
lOth & Constitution
Washington, Dc 20530
3, Name and last known address of every judgment creditor whose
judgment is a record lien on the real property to be sold:
Federal National
c/o PNC Mortgage
75 North Fairway
Vernon Hills, IL
Mortgage
Corp. of
Drive
60061
Association
America
4. Name and address of the last recorded holder of every mortgage of
record:
Federal National
c/o PNC Mortgage
75 North Fairway
Vernon Hills, IL
Mortgage
Corp. of
Drive
60061
Association,
America
Plaintiff
5, Name and address of every other person who has any record lien on
the property:
United States of America
Assistant U.S. Attonrey General's Office
Federal Building
228 Walnut St.
Harrisburg, PA 17108
United States of America
office of the Attorney General
U.S. Department of Justice
Room 5111, Main Justice Building
10th & Constitution
Washington, DC 20530
6. Name and address of every other person who has any record interest
in the property and whose interest may be affected by the sale:
Shippensburg Township
Water Oepartment
60 W. Burd St.
PO Box 129
Shippensburg, PA 17257
CFJMA
(Sewer Authority)
725 Municipal Dr.
Shippensburg, PA 17257
Shippensburg Township
Tax Collector
PO Box 219
Shippensburg, PA 17257
Attn: Barry Negley
..
3. You may be <1ble to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page two of how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid by
calling 610-695-9240.
2. You may be able to petition the Court to set aside the sale if
the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened you may call 717-240-6390.
4, If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the sheriff gives a deed
to the buyer.
At that time, the buyer may bring legal proceedings to evict
you,
6, You may be entitled to a share of the money which was paid for
your house, A schedule of distribution of the money bid for
your house will be filed by the Sheriff no later than thirty
days from date of sale. This schedule will state who will be
receiving the money, The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten
(10) days after the date of filing of said schedule.
7. You may also have other rights and defenses or ways of getting
your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR, Cur~BERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
95-8571
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SHERIFF'S RETURN - NOT FUUND
CASE NO: 1996-00113 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
fJ:Jlf.RAl._N_f!.HQtl.AJ,l1.9JiIR.A.GE ASSN
vs.
HF;liLER I)RADY E__ET -fl.!-
--1h...JllQmas Kline , Sher iff, who
to law, says, that he madl? a diligent sl?arch
named defendant, to wi t: . HESTER B.fuiQY A
but was unable to locate Him in his bailiwick.
being duly sworn according
and inquiry for the within
He therl?fore returns
thl? COMPLAINT - MORT FORE
NOT FOUND , as to the w1thin named defendant
HESTER BRADY A
NEW ADDRESS 218 NORTH HAVEN ST. SAN ANTONIO. TX
78229
Sheriff's Costs:
Docketino
ServicE" -
Affidavit.
Surcharge
18.00
11. 76
,00
2,00
So answers:
.,.(/ . /-"' " .-' '-
#r~"--.....~__./ ,___"'7'"
R:-TflOiiiiiSl\],1ne, SherTff
$~1~7b SHAPIRO AND KREISMAN
0112211996
Sworn and subscribed to before me
this .,?.....l day of t4"4-____.
19 'It, A.D.
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NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUI ERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES.
USTED TIENE VIENTE (20) DIAS DE PLAze AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA 0 EN PERSONA 0 POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE
SU PERSONA. SEA A VISA DO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO 0
NOTIFICACION Y POR CUALQUIER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA
EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240.6200
\,
The Mortgage is matter of public record and is incorporated herein as
provided by Pa, R,C.P, 1019/g). A true and correct copy of said
Mortgage Is attached hereto as Exhibit "A" and incorporated herein by
reference,
, -.,A.I
/d) Asslanments: None
2, Plaintiff is, therefore, either the original Mortgagee named In the Mortgage, the
legal SUccessor In interest to the original Mortgagee, or Is the present holder of
the mortgage by virtue of the above-described Assignment/s),
3, Each Mortgagor named In paragraph 1 executed a Note as evidence of the debt
secured by the Mortgage. A copy of the Note is attached as Exhibit "B".
4, The real property which Is subject to the Mortgage is generally known as 432
South Fayette Street, Shlppensburg, PA 17257 and is more specifically
described as:
ALL that certain tract of land, being improved with a single family
dwelling house and various out bUildings, situate in Shippensburg Township,
Cumberland County, Pennsylvania, more particularly bounded and described as
follows:
ON the East by the Shippensburg-MalnsvilJe Public Road; on the South
by lands now or formerly of H. H. Hoy; on the West by lands now or formerly
of Howard H, Hoy; and on the North by lot now or formerly of Fritz Gleim; said
described lot having a frontage on the said Public Road of 80 feet and an even
depth from the center of the Public Road of 250 feet to the land now or
formerly of Howard H, Hoy, aforesaid,
BEING known and numbered as 432 South Fayette Street, Shlppensburg,
Pennsylvania. Being further described as Cumberland County Tax Parcel No.
36-352388-039 on the tax assessment records of Cumberland County,
PennSYlvania.
BEING the same premises which John Baughman and Martha I. Reed,
Co-Executors of the Estate of Cora B. Baughman, Deceased granted and
conveyed unto Brady E. Hester and Karen L. Hester, husband and wife by Deed
dated September 28, 1993 and recorded In tha Office of the Recorder of Deeds
for CUMBERLAND County on October 7, 1993 in Deed Book 0 36, Page 677.
5. The Name and mailing address of each Defendant is: Brady E, Hester and Karen
L. Hester, 432 South Fayette Street, Shippensburg, PA 17257 and United
States of America, United States Attorneys Office, Federal Building, 228
Walnut Street, Room 1162, Harrisburg, PA 17108,
WHEREFORE, Plaintiff respectfully requests this Court to enter Judgment in
fevor of Plaintiff and against Defendants In the amount set forth in paragraphs 9 and
10, together with Interest, attorneys fees and for other expenses. costs, and charges
collectible under the Note and Mortgage and for the foreclosure ami sale of the
mortgaged premises,
SHAPIRO & KREISMAN
Date: December 27, 1996
BY:
NANCY ,WORTH, ESe
Attorneys for Plaintiff
S & K File No, 96-8671
-,
'TOOETHER WITH III -\Improvemente now or hereaher el'1lC' on the propeny, and III _men...
Ippunenancea, Ind fillutell now., h.,.rter I part or the propeny, All repllCC,"enla Ind Iddltions shallsl80 be covered
by this Security lnatrument, All of the rOrllOinl ia rererred 10 in thil Security IlI8U'\Iment u the .Propeny,.
BORROWER COVENANTS that Borrower Is Ilwfully eeiaed or the allate hereby conveyed and hu the riptlO
man...., ....nt end convey the Propeny Ind thltthe Propeny il unencumbered, ereept ror encumbnncea or record.
Borrower wernnta Ind will defend .-lIy the title 10 the Property apinat III clalml Ind demlnda, subjKt 10 any
encumbrancea of record.
nus SECURITY INSTRUMENT combines unlrorm covenanla for nltionalll88 and non"Uniform covenanla with
limited veriltlona by Juriedlctlon 10 conatitute e uniform _urity lnatrument coverinl real propeny,
UNIFORM COVENANTS. Borrower Ind Lender covenant Ind II'" u rollowa:
I. Paymeat of Prlaclpalsad later.lt: Prepeymeat lad Lste Cbsrlel, Borrower lhall promptly pay when due
the principal of end Intenat on the debt evidenced by .he Note and any prepeymentlnd late chlraeu due under the Note.
2. fuads for Telll ead lalureace. SubjKt to Ippllcable Ilw or 10 I written wliver by Lender, Borrower eheIl
pallO Lender on the clay monthly paymente Ire due under the Note, until the Note is paid In full, s sum (.Punds.) for:
Ie) yearly \.to. Ind _menla which mlY Itlain priority over this Security IlI8U'\Iment u e lien on the Property; (b)
yearly I_hold paymenla or pound tenia on the Property, ir eny; (c) yearly hlzsrd or propeny insunnce premiums;
(d) yearly nood 1_ premiuml, If Iny: (e) yearly mortpp IflIunnce premiums, if any: snd (f) eny lums pa,.ble
by Borrower 10 Lender, in eccordance with the proviliona or panareph 8, in lieu of the payment of mortpp ill8\lrlDClO
premiums. n-ltems.... celled .Bacrow Items.. Lender mlY, It any time, collect Ind hold Punda In In emollllt not
10 el~ the m..imum Imollllt e lender ror e redenlly releted mortpll' loan mlY require for Borrower's -.ow
aocount under the federal R" &tate Sel1lement Proc:edures Act or 1974 u Imended from time 10 time, 12 U.s.C.
Section 2601 ., ..,. (.RIlSPA .). unI_ enother lew .hat IpplieslO the Punds seta al_ Imount.1f 80, Lender mlY.
et any time, collect Ind hold PuncIa In In emount not 10 er~ the l_r Imount. Lender may estimate .he emollllt of
FuncIa due on the buls or current c1ata and reuoneble eatiml... or elpenditures or future Escrow Items or otherwise in
eooordence with epplicablellw.
The Punds ahell be held in an inatitution whoae depoaila ere Insured by I federall&enCY, inatrumenJality, or entity
(includilll Lender, if Lender Is auch en institution) or in Iny Pedenl Hom. Loan Bank, Lender shallepply the Funde 10
pay the Eacrow Items, Lender mlY not cherII' Borrower ror holdinl Ind Ipplyln,the Funda, IMually ana1yzilll the
_. llXXlunt, or verifJiIll the F.acro. Item.. unl_ Lender paya Borrower intereat on the Funda and Ipplicable Ie.
pInIIita Lender 10 make auch a charp, However, Lender mey require Borrower to pay a one"1ime char.. ror an
I~.cletlt reel estate tal reponinl service t..a by Lender in coMectlon with this loan, unI_ epplicable law provides
otbanriae, UnI_ an epwment is mecle or Ipplicable IIW requires interellt 10 be paid, Lender ahall not be requincl 10
pay Borrower any Inllnlt or eamlDp on the PUllcIa. Borrower end Lender mlY epee in writin" however, thet inllnlt
....1 be paid on the FUIlda. I..ender ahell live 10 Borrower, without char.., an eMuallOCOlIIltinl of the Fundi, eho.illl
credlta end debita 10 the Funds and the ptII'pC* for which each debit to the FuncIa wu made, The Funcla ere pledpd II
eddItI.u aecurlty for ell sums aecured by this Security IlI8U'\Iment.
lithe Fundi held by Lender erceed the emounta permitted to be held by Ipplicablelaw, Lender shell IOCOUllt 10
Borro.... for the e_ Funda In accordance with the requiremente or Ipplicable lew. If the smount of the Funds held
by Lender st P!I)' time Is not aufficient 10 pay .he Escrow lteml when due, Lender mlY 10 notify Borrower In writilllo
end, In auch cue Borrower shell ply 10 Lender the emount n_ry to mike up the deliciency, Borrower &hall make
up the deficiency In no more than twelve monthly paymenta, at Lender's 80Ie diecretion.
Upon payment in lull of ell aums _unci by this Securi.y InatrUment, Lender shall promptly relund 10 Borrow..
en)' Funds held by Lender. If, under paralfllph 21, Lender shell acquire or sell the Propeny, Lender, prior 10 the
Icquilition or BIle of the Property, &hall epply any Funds b~ld by Lender It the time or Icquisition or BIle IS . CRdit
lpinst the aums..:ured by this Security Instrument.
3. Appllcatloa of Peymeau. UnI_ applicable law provides otherwiee, III payments received by Lender under
pen....pha I snd 2 eheIl be Ipplied: lim. 10 any prepayment ch8l'pII due under the Note: second, 10 amounta payable
under I*8lf1ph 2; third, 10 interest due: fourth, 10 pnncipal due: Ind lut, 10 any lite char... due under the Note.
4. Chsrles; L1..I. Borrower &hall pay III tales, _ments, chlr..., rinea and impositions attributable 10 the
Prot....t, which mey Ittaln priority over thil Security IlI8U'\Iment, Ind I_hold paymente or ,round ten... ir Ill)',
Borrower ahall pay "- obllptiona in the mlMer provided in panareph 2, or ir not paid in that mlMer, Borro...
&hall pay them on time directly 10 the perBlIn owed pay men.. Borrower shall promptly rumiah 10 Lender all noti_ of
Imounla 10 be paid under thil penlnph. If Borrower makes th_ payments directly, Borrower Ihell promptly rumiab
10 Lender receipta evldencinl the payments.
Borrower shall promptly diecherp any lien which hu priority over this Security IlI8U'\Iment unl.. Borrower: (I)
'''- in writin, 10 the payment or the oblilation secured by the lien in a mlMer Icceptable 10 Lender; (b) conlelta in
Iood faith the hen by, or derends lpinst entorcement or the lien in, lepl proceedinp which in the Lender'l opinion
operate 10 prevent the enforcement or the lien: or (c) secures rrom the holder or the lien In llreementBltisflCUlry 10
Lender lubordinetinlthelien to this Security Instrument. If Lender determines that any pan or the Property is aubjKt
to e lien which mlY Illain priority over this Security Instrument, Lender mlY live Borrower e notice identilyinl the
Ii... Borrower shell Bltiary the lien or take one or more or the Ictiona set rorth above within 10 c1aya or the livilll of
notice,
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rooK 1169 PACE 186
5, huard or Property' .IDee, Borrower shall keep the improvl '.11 now eliBtinl or he_her erected on
the Propeny inaured lpill81lOt.. JY rire, hlzarda Included within .he lerm '~.l8J\detI coverap' .nd Iny other haurda,
includinl nooda or noodlnl, ror which Lender requires insurance. ThlI illluranc:e ehall be m.lnlained In the emounUl
and ror the perioda that Lender roquires. The illllurance clrrier providinlthe inaunnce shill be ch~ by Borrower
subject '0 Lender'. Ippl'OvII which shall nOl be unre&aonably wilhheld.1! Borrower rallslo mllnwn covera.. de&ribed
lbove, Lender mlY, II Lender's option, oblaln COVerlle '0 prolec:' Lender's riahla in the Propeny In 1OlXlrdenc:e with
pera....ph 7.
All illluranc:e policiee Ind renewIls shill be acceplable lo Lender Ind shall include a slandard monp.. cll~.
Lender shall have lhe riaht lo hold .he policiee and renewals. Ir Lender r~:; Borrower shall promplly &lye to
Lender all receipla or pid premiums Ind renewal notiCCII.ln the event or I~, wer ehalllive prompt notice lo the
lnaunnce carrier and Lender, Lender mlY mike proor or I~ if not mlde promplly by Borrower.
UnI_ Lender and Borrower otherwise a&re8 in writinl, insurance proceeds ehall be Ipplied lo reatoration or repelr
or the Property daml&ed,lr the restoration or repair is ec:onomically r_ble end Lender's _urity Is nOli lod.l( the
realoration or repair is not ec:onomically reulble or Lender's _urily would be 1-.1, the illluranc:e ~ ahell be
1pp1led lo lhe sums aecured by this Security IlI81rUmenl, whether or not then due, with any e_ peid lo Bono.... If
Borrower lbandona the Propeny, or does nOllllllwer wilhln 30 days a notice from Lender thaI the inaul'lllCll c:errl.. hM
orrered lo settle e claim, lhen Lender mlY collllt1 the inaurence proceeda. Lender mey uee lhe ~ lo repair or
realore lhe Property or lo pey suml eecured by lhis SecurilY IllItrUment, whether or nol then due. e >>'day period wll1
be&ln when the nollc:e Is &iven.
UnI_ Lender and Borrower olherwlse 1&re8 in wrilinl, Iny application or ~ lo principelshill not enend or
poatpone the due date or the monthly peymen18 rererred lo in pera....phe I Ind or chin.. lhe amounl or the peym8llta.
Ir under pera....ph 21 the Propert}' ia Ic:quired by Lender, Borrower's rilht lo Iny Ill8III'Ince pollciee end .........
resulllnl from dama..lo the Property prior lo the ac:quieillon shill pllllo Lender lo the ertenl or the sums eecurad by
lhll Security IllItrUment immediately prior lo the Ic:quieition,
6, OccUPSDCY, Pn.rvatloD, MsiDteDIDce eDd ProtectloD or tbe Propert)'; Borrower', LORD ApplicatloD;
IAaaebolda. Borrower ehall occuPy, anabliah, Ind uee the Property II Borrower's principal residence within aiit)' dap
after the elec:ution or this Security IllItrUmenl and shall c:onllnue lo occupy the rlopeny u Borrower's principal
residence ror et IIIIt one year Irler the date or OCl:upenc:y, unl_ Lender otherwise Iar- in wrilln.. which ~t ahell
not be unreuonably withheld, or unI_ ellenuallnl cin:umBt1nc:e8 eliat which are beyond Borrow...'s control.lIanow..
ehall nOl deatroy, daml" or impelr the Propeny, allow lhe Property lo deteriorate, or commit WU\e on the PNp..c,.
Borrower ehall be in default II any rorfeilure eclion or proc;oedinl. whether civil or criminal, is becun that In Leader'.
aood relth Judlment ClOIIId result In rorfeiture or the Properq or otherwise mlterielly impelr lhe lien ~ted by this
Security IllItrUment or Lender's IIllCIIrily in'-t, Borrower mey cure luch e defeult end reinatate, u provldad In
pan....ph 18, b, c:auailll lhe eclion or plOCOodinl lo be diami~ with e ruliDI that, in Lender's aoocI faith
datermfnallon, prec1udea rorfeiture or the Borrower's intereat in the Propen, or other meterillimpelrment of the lien
crated b, thIa Securl17lnatrument or Lender's _urity intenat. Borrow... ehall elan be in deflult II Borrow.., dwl"l
the loan spp1lcallon ~ pve meterilHy raise or illlCltunte informlllon or 8lItemen18 lo Lender (or raillll to
provide Lerider with en, meterielinformlllon) In connection with the lOin evidenc:ed by lhe Note, 1nc:1udlna. but not
limited lo, "1"-,.lBIIOIII conc:eminl Borrower's oc:cupency or the Propeny u a principal residence. Ir thIa s.curity
lnatrument is on e l-"old, Borrower shall comply with ell the provieiolll or the leue. II Borrower acquires ree tide to
lhe Propeny, the leuehold Ind the fee tilleahell nOl mer.. unl_ Lender I"reee lo the mer.... in writinl,
7, Protection or LeDder's Rllbts ID tbe Property. II Borrower rid. lo perform the COVIlllR18 endspwmenUl
conlained in this Security IllItrUment, or there is e lepl proceedinl.het mlY eianiricenlly Irrllt1 Lender's ripUlin the
Propeny (such as s proceedinl in bankruplcy, probate, for condemnellon or rorfeilure or lo enIon:e Ie.. or
reaullllona), then Lender mey do end pey ror whllever is DlC8l8llry lo prolec:llhe value or the Property end Lender's
riah18 in the Property. Lender's eellons mlY include peyinl eny sums eec:ured by I lien which hu priority over this
Securily IllItrUment, Ippearinlln coun, peyinl reuonable altOmep' r_ and enterinl on lhe Properly lo make repairs.
A1thoulh Lender mlY Jake action under this peralTlph 7, Lender doee nOl have lo do an.
Any emoun18 disburaec! by Lender under lhls peralraph 7 shell bec:ome addi.ionel debl or Borrower eecured b, thIa
Securi.y IllItrUmenl. UnI_ Borrower end Lender lpee lo other terms or peymen., lh_ ImOURIa shill bear intereat
rrom the date or dilburaement It the Note rale Ind shell be peyeble, with in'-t, upon nollce from Lender to Borrow...
roqueelin, peymenl.
8, Mort,sle IOluraDce, II Lender roquired monllle insurance u I condition or mekin,.he loan eecured by this
SecurilY IlI81rumenl, Borrower shell pey the premiums roquired 10 mainlain lhe mon.... insurance in errect. II, ror eny
reuon, lhe mon..le ill8Urance coverlle required by Lender II~ or c_ 10 be in erreel, Borrower ehall pe, the
premiums required lo obWn covera.. subrnantillly equivllent 10 the monp.. illlurance previouely in erreet, It. coat
su....nli.lly equivalent lo lhe coat lo Borrower or lhe mon.... illlUlllnce previoualy in efrllt1, rrom en elternate
mon..le insurer approved by Lender. II subrnanlillly equivllenl mon.... illllurance coverlle i. not eveileble,
Borrower shill pey 10 Lender each monlh a sum equal 10 onnwelhh or lhe yearly mortllle ill8Urance premium beinl
peld by Borrower when the illllurance coverale lapsed or c..-l to be in erreel. Lender will Iccept, uee Ind rewn the.
peymenla u e I~ ..-rYe in lieu or monllle inaurance. La. ~e peymen18 mlY no Ion.... be roquired,
__ -IIIP'" Ill."
,... . .. .
XClICI7DAAC .05
,.. J-PMJ
1.ltl.I~~
eOOK 1169 PACE 187
d Ihe option or Lender, Ir m ~ '.... lnaurence covere.. (In the amounl , ror the period thaI ....:nder requires)
provided by In III8IIm' eppove.. "y Lender llain becomlll Ivalllble end II olllained. Borrower ahaIl pey Ihe premium.
required 10 maintain mortp.. lnaurence In erlec\, or 10 provide I I~ .-rYe, until Ihe requiremenl lor mortPJll
IllIIftnee encIe In IIClXIrdence with Iny wrinen lpeemenl belween Borrower Ind Lender or applicable Ilw.
9,IDlpect10D. Lender or lIB epnl mlY mike reuoneble enlJi.. upon end Inepectloll8or Ihe Property, Lender shall
a1ve Borrow. notice It the time 01 or prior to en lnapection apecilyinl_b1e ca~ ror the lnepeclion,
10. CoDdemDetloa. The pcoceeda of Iny IWerd or cllim lor deml.... direct or consequential,ln connection with
Iny condemnation or othar tetlnl or Iny pert or the Property, or lor conveyance In lieu or condemnation, Ire hereby
lllianed Ind shell be paid 10 Lende:,
In \he evenl or e 101&1 tetlnl or the Propeny, Ihe proc=. shell be applied 10 Ihe .um. ~ by thla SecuritJ
IllI\rUmenl, whether or not then due, with any el_ peld 10 Borrower, In the event 011 pertilllakllll 01 the P~y In
which Ihe Ilir markel value 01 the Property immediltely berore thel&klnlla equal 10 or 1J1lI\et then the emount of the
sum. aecured by thI. Securily Inatl'Umenllmmediltely before the I&kln&. 11III_ Borrower end Lender otherwl. .pee
In writina. the .um. aeaJred by thla Securily Inatl'Umenl ahaIl be reduced by the emount or Ihe ",oceeda mulllplied by
Iha followlllllrKtlon: (e) the Iotallmounl or the .uml 8ICUred immedlllely before the I&kln&. cllvided by (b) the felr
market value of the P,Opelt, Immedlllely berore the I&klnl, Any balance ehall be paid 10 Borrow., In the event of a
pertiallakllll of the PrOjl6o IY in which Ihe Illr market vllue or the Propenr immedlllely before the laklnl i. 1_ then
Iha emOUIII 01 the sum. aaeured Immedlllely before the lakllll, unl_ Borrow. end Lender othenri. lpee in wrilllll
or 11III_ Ippllcabl. lew othenrl. providea, Ihe proceeda ehall be Ipplled 10 the aumB ~ by thla Security
IllI\rUmen.whethar or not the aum. ere then due.
II the PI...-" I..budoned by Borrower, or II, ef\et notice by Lender 10 Borrower that the condemnor off.. 10
make an IWln! or ..nle e clelm for deml.., Borrower lails 10 respond 10 Lender within 30 deJII after the dete the
notice II a1ven, Lender I. euthorized 10 collect Ind apply Ihe pcoceeda, ellla option, either 10 na\oretion or repelr of the
Propeny or 10 the sum. aec:ured by thI. Security Inatl'Umenl, whether or 1101 then due.
UnI_ Lender Ind Bonow. otherwl.. epee in writinl, eny Ipplication of proceeda 10 principal ehall not eltald or
postpone the due dete of the monthly peymenl& retmed 10 In penpapha I end 2 or chenp the amount of auch
peymenlL
II. Borro.er NoI Rel_d; Porbear.Dct By LeDder NoI a W.lyer. Bnenaion or the time for peym.I or
modification 01 amortl.tlon of the suml 8ICUred by thI. Security IlI8IrUmenl plllted by Lender 10 eny ." - In
intlnal 01 Borrow.. IbaII not operale 10 rel_ the IilbllitJ 01 the oria\DaI Borrower or Borrower'. 8UlX .. in
1II\IrI8\. Lender ehall nol be required 10 comm_ proceedInp Iplll8llllY 8tI ... III In*-' or rei... 10 8II8nd
time for peyment or otherwlae modily emonlzetlon 01 the suma aec:ured by thla Security Inatl'Ument by ~ of eny
clemend made by the oripnel Borrow.. or Borro...'.... __In In\lrl8\. An, forbeerence by Lender In u.daIlII
lilY riabt or nmedy ehall not be e welver 01 or praclude the enrc:lae 01 any riabl or remedy,
12. SIM' on ... Aul... BOUDd; 10101 nd Several Llabllllr. Co1lpen, The covenenlB end e~ente
of thI. Slcurity IlIIIrumenl ahaIl bind end benefit the .,. .... end IlliIll8 01 Lender Ind Borro.... subjeGllo the
provialOll8 01 puqnpb 11. Borrow..'. covenanlB end epeemenlB ehall be JJInt end aeveraI. Any Borrow.. who co.....
thII Security IlIIIrument but does not elacute the Note: (I) I. co'lianllll thI. Sacurity IllI\rUment only 10 mortpp,
pIIIt 1M convey that Bonower'. In*-' In the Propeny undet the term. 01 thI. Security Inatl'Ument; (b) Ia not
per.lnelly oblipted 10 pay the sum. aecured by thI. Security Inatl'Ument; end Ic) lpe18 that Lender end eny other
Borrower mey epee 10 ellend, modily, rorbeer or make eny eccommodatioll8 with reprd 10 the terml 01 thI. Security
InatrUmentor the Note without that Borrower'. conaent.
13. LoaD C1Iarln. "the loan aecured by thI. Security lnatrument I. .ubject 10 I law which ..1& muimum loan
charps, Ind that Ilw I. finally Interpreted eo that the Inlerelt or othar loan charps collected or 10 be collected In
_lion with the loan elCled the permitted IImllB, .hen: (a) any .uch loen char.. ehaU be reduced by the emount
-..y 10 reduce the chirp 10 the permitted limit: and (b) Iny auml already collected lrom Borrow.. which
e~ permitted IImlta will be refunded to Borrower. Lender mlY c'- 10 meke thI. refund by reducilll the
principel owed under the NOIe or by mekinl I direct peyment 10 Borrower. Ir e refund reducea principal, the reduction
will be treated u. penial prepayment without Iny prepayment char.. under the Nole,
14. Notlllll. Any 'IOtlce 10 Borrower provided ror in thI. Security IllI\rUmentahall be liven by dellverinllt or by
maillnl it by liret cl... mell unl_ epplicable Ilw requirea \Be or lnother method, The notice shall be directed 10 the
Propeny AcJdnee or lilY other eddn. Borrower deailrl1l1l11 by notice to Lender, Any nolice 10 Lender shell be pven by
Iii'll cl.. mail 10 Lender'. eddn. alated herein or any other a~ Lender deeiplea by notice 10 Borrower. Any
notice provided lor in this Security Instrumenl shan be deemed 10 have been &lven 10 Borrower or Lender when pven
u provided In thI. penlf'lph,
IS, Govef1liDI La.: SenrebllllY, ThI1 Securily InstrUmenlshell be loverned by redenlllw end the Ilw 01 the
Jurisdicllon in which the Property Ie located. In the evenllhll any provieion or claUII or this Security lnatrument or the
NOIe conlllclB with Ipplicable IIW, euch conllicl shall not Ilrec\ olher provieiona 01 lhi. Security InstrUmenl or the Note
which can be liven erfec\ without Ihe conlllcllnl provision. To this end \he provlaiona of lhi. Securi.y Inatl'Ument end
the NOIe Ire decllred 10 be ..vereble.
_-,""AI "'01'
,... . .. .
XC.I07DMIl .os
,.. suO .J.
laltl'~
JI'" ~
800~ 1169 PACE 188
16, 1I0rrower'I Cop)', Bo" er ehall be liven one conrormed copy or' jote Ind of thl. Securi!y IIII\I'\Iment.
17. TreDder of tbe Pro.......)' or. BeDeflclallater"I la Borrower. .1 all or Iny pan or tile Property or any
In... In It I. eold or tnnII.-red (or ir e beneficlll intenat In Borrower is eold or tranaferred Ind Borrower II not e
natural pereon) without Lender'. prior wrilten COl\Ient, Lender mlY, at Its option, require Immedilte payment In full of
III .URII eecured by thIa SecurilY lnatrument. However, thI. option Ihlll not be elercl..t by Lender Ir erem. II
prohibited by roderaJ Ilw uof thedete or thl. Security lnatrument.
Ir L..Ider elerel. this option, Lender ellalllive Borrower notice or acceleration. The notice ahall provide e pariod
of not 1_lIlan 30 de,. from the dete IIIe notice Is delivered or mailed within which Borrower muat pay llIaum.---S
b)' thI. Securi.y Inatrument.1f Borrower reU. 10 pay th_lum. prior 10 tile elpiretlon of thI. period, Lender mlY Invoke
en, remedies permitted by Ihla Security IlII\I'ument wllhou. further notice or demand on Borrower.
II. Borrow.,'. RllllI 10 R.la.I.II. Ir Borrower meela certain conditlona, Borrower ehall have Ihe ripl 10 have
enforcement or thI. Securi,y IIwtrument discontinued It any time prior 10 .he earlier or: (a) .5 de,. (or .uch otherpariod
.. eppliceble Ilw ml, apeclf, for reill8lltemenl) before ..Ie of the Property purauanl 10 In)' pow.. or aa1a conl8laed In
Ihla-Security InatrumWlt; or (b) entry or e judlment entorcinl thI. SecurilY lnatrument. 'fhc.e concIltlolW ... thel
Borrower: (I) pa,. Lander ell BUm. which then would be due under thI. Securily lnatrumenl Ind the Note u If no
IllDllleretlon had lIOCIIfnd; (b) cur. any dereull or Iny otller covenants or IlR8ments; (c) pa,. .11 el~ illCllfnd In
enfomlll thll Security lnatrumenl, inc:ludinl, bUI notlimiled to, ..-Jnable Ittome,.' r_: end (d) takes .ucll ectIOII..
lAnder mlY _bly requil'l 10 -.ute .hat the lien or thI. SecurilY lnatrument, Lender'. riplaln the P1Oj*ty ead
Borro..'. obllptlon 10 pay the .um. aecuted b)' thll Security lnatrumentehall continue unchenpd. Upon reill8lltemWlt
b)' Borrower, thIa Security l/lIItrument end the obliptlol\8 aecuted hereby aIleIl remain fully effective u if no ecceIntlon
had 0CCIIfI'Id. However, this riPI 10 reill8ll11 ehall not Ipply In the cue or IICCeleratlon under penpaph 17,
19. Sel. of Note; C1Iu.. of LoaD Servicer, The Note or I peniel in_In the Note (Iopther with thIa Security
l/lIItrumlllt) mlY be eold one or more times without prior notice 10 Borrower, A aeJe mlY result in I chen.. in thellltll,
(known.. the 'Loan Servicer") that collects montllly JlIymen.. due under IIIe NOli and thIa Security lnatrumlllt. There
e1ao mlY be one or more chen.. of the Loan Servicer unreleled 10 e sale of the Note. If there i. I chan.. of the Loan
Servicer, Borrow., will be pven written notice of lIIe chen.. in ICXXII'dence with penpaph 14 ebove end Ipplic:eblelew,
The nollot willatete the nune and ~ or tile new Loan Servicer and the eddte. to whlcll pa)'menla eIIould be made.
The IIIItlaa will eIao _taln IIIJ other informetion required by eppliceble IIW,
>>. Ha..,.OUl Sulletaacea. Borrower shall not CI~ or parmi! the ~, ~, dl.-J, 1tor8.., or reI_ of
IIIJ HaanIoIII Su-.- on or In the Pro~III' Borrow... ahell nol do, nor ellow an,one e1. to do, enythlq etfllldq
\be Ptope.I) thel Ia In vlaletiOll ohn)' Environmenl8l Law. The ~IIIIWO aentenceuhall noUppI)' 10 thit ... _,
:-. or 8\orqe on the 1'1_11 of .mell quentitles or Huenlolll Subatanclea that ... pnerelly ~pU_ to be
e~ctononnell'lllidentlel_and to main\enancleofthitProI"".l).
wer ehIIl prompd, live Leader written notice or en, inveatlption, claim, demand,le__1 or other ectI\III by
IIIJ IO'8fIlmllltel or fll\llelDry epncy or privlte perl)' Involvilll the Propel Iy ead en, HuercIoIII Subetua or
&vlroamentei Law of wllieh Borrower hu 8CtUa1 knowledp. If Borrow., leema, or I. notified by Ifty aovemmWltel or
f8I\IIl\ory lutharity, thet en, removal or other remedlltlon of any Hazerdolll Subetence Iffectinl the Plot- t) I.
~ .,. Borrower ehIIl promptly take ell n-.ry remediel.ctIona in ICCOrdance with Environmental Law,
As ..In thIa puqrepb 20, "Hazardolll Subalencea" Ire thou .ubatencea defined u toric or hazerdolllBU-'-
b, Environmental Law .nd the fOllowlnl.ubatenc:eu: peoline, keroune, oilier nlmmlble or Iorie petroleum prodUClll,
Iolie ~ciclea ead herbicides, voletile eolvents, mlterill. conl8lninl ubeatoa or formlldehyde, end radiOlGlive
materlela. As I*lIln thIa perapaph 20, "Environmenl8l Law" means federelllw. end Ilw. of the juriedictlon where the
Prope.l)' illoceled thel reliC. to heelth, wet)' or environmental protection.
NON'UNlPORM COVENANTS. Borrow., Ind Lender furtherllOvenent Ind 11/'1I u followa:
21. A_Ienll\lll: Rem.dles. LeDd., .blll live nOllce 10 Bo"ower prior to .c:celenlloll followlnl
Borrow.,'. bnedl of ..)' COVllleDI or .areemeal la Ibl. Securlt)' Inllrumelll (buI aOl prior 10 ec:celenti\lll
uader JlUBlDpb 17 uDI_ .pplic:eble1ew provides olberwl..). LeDder .b.1I notif)' Borrower of, emoDI olber
tblalt: (e) tbe def.ull: (b) Ibe .cllon required to cure Ibe defeull: (c) wbea Ibe def.ult mUll be cured; sad (d)
lbal flllul'l 10 cun Ibe defeull e. .pecified ml)' re.u11 In ._Ientlon of lb. luml aecured by Ibla SecurilY
lalru_1, f_loeul'l b, judlcl.1 proceedial .ad ..Ie of Ibe Property. Lender .ball funbar Idorm
Bo"ower of lb. rllbt 10 rela.tete .fter ._Ierllloa lad Ibe rllbl 10 ....rt In Ibe foreclOlure pr~IDI Ibe
aOD-elilteDCB of . deflull or all)' olber defea.. of Borrower to .cceler.lloa ead forecloaure, If Ibe defeult I.
aOl Cumlll lpeclfled. Lend." 11111 oplloa, mlY require Immedllle pe)'menl la full of ell.uml aecured by
Ibl. Securlt)' la.trumeDI wllbouI funber demlad lad me)' fonclo.. Ibla SecurllY In.lrumeDI by judicial
p..-dlal. Lead., lball be ..Iltled 10 collecl IlIelpea_ iacurred la puraulallbe remedi.. provided In Ibll
paRlnpb 21, laeludlnl, bUI not limited 10, .ttoraeYI' feci lad COlli of Iltle evldeace 10 Ibe eUent permllted
by.pplicablellw,
21 a.I_. Upon paymenl or ellsum.lllCUred by this Securi.y IlI8II'\Imen., thI. Securily IlI8II'\Iment end the eatlte
conveyed lhall terminate end become void, Aller sucll OCCIII'I'eII08, Lender aIleIl diacharp end ..tiety thI. Securily
"wtrument without char.. 10 Borrower. Borrower shell pay Iny recordetion C08ll.
__-"'A1II""
,.... .f .
XC.I07DAAB .os
,..~
I.I"~
ilioK1Ul9 PACE 189
, 23. W.lnn. Borrower, ' .e .rtenl permi.led by applirlble Ilw, , . end rel_ Iny error or detecta in
pco.-dlnp io entOl'Clllhla Secu...y Ill8lrumenl, Ind hereby wliveallle benetll ot any ~I or rulure IIWI providin.
ror Ny ot IIlC11lion, ....on ot 11m., enmpllon trom Ilt8chmenl, levy Ind lIIe, end homealClld elempllon.
~... R.I,a.....IMII. Period. Borrower'. lime 10 reinatale provided In pen....ph 18 shall ertend 10 one hour prior
10 the commencemllll ot b1ddin.ell aheritr. ul. or o!her u1e punuen.1O W. Securily 1lI8lrUmenl.
25. PureJaa. MIID.y Mort.I... It any ot !he debt aecured by WI Securily lnarumenll. lent 10 Borrow..' 10
IClqulre lillelO lhe Prop.. 11, IhI. Securily 1II8lrUmenl shall be I purchaa money mon.....
26. 10""" Ra.. Aller lud.mea.. Borrower e~ 'het Ihe inleNl nIB peyebJe IrJer e Jud.menlll llllend on
tIw NOIe or In an 1ClI0Il ot man.... toreclosure .hell be Ihe nle peyeble trom lime 10 lime under the NOIe.
27. Rld.r..o a.Ia Sacurlty laltrum.aa. It one or more riden ere elecuJed by Borrower end recorded 10.....
wllh W. Security IlI8lrUmenl, the covenanIB end IpwmenIB or _h .uch rider shall be IncorponJed InlO and ahell
emend end .upplemllll the covenenIB .nd IpwmenIB or thl. SecurilY IrwlrUmenlulf the rider(.) were e pert ot lhIa
Sacurity IllBlrumllll.lClact 'pp1icable bol(es)]
~ Adjuneble RaIB Rider ~ Condominium Rider ~ N PemUy Rider
OnclueJed Paymenl Rider Planned Unit Developmenl RIder Biweekly Plymenl RIder
Balloon RIder Rale Improvemenl RIder Second Home RIder
V,A, Rider Other(.) lspeciryl
PftEPARED 8YI CYNTHIA WEAVER
HARftIS8UR8, PA 17112
BY SIGNING BELOW, Borrower 1c:cepJe end I~ 10 Ihe letm. Ind covenants conlllned In lhIa Security
="'~"''''''I """""" ......."..~~~ d~ (&.oj
~ ~ER .Bona...
j I oN - JLOJlJPf ~ II~.
'ftJ {ddf It KAREN L. A'ESTER
()4
(SeeI)
.BorN'"
(Seal )
. .Bona"..
(SeeI)
.a-.........
Certltlca.. ot Raeldea..
~ the .ub.criber, Cynthia Weaver
~ ot the wiWn"lllJned Mon.....l. 440 North
60061
W1a-myhand lhIa 29th
, do hereby cerlity that the correct
Fairway Driv., Vernon Rill., Illinoi.
COMMONWEALTH OF PENNSYLVANIA,
dey ot s'~mber , 1993 ,
7...;-1(.,-- l1~,..",,-J
FRANKLIN Couaty II:
....' 01 M4r11 ..
Oa lhIa, the 29th
otticer, permnelly Ippeered
deyor Septelllber ,1993
Br.dy E Re.ter and Karen L R..ter
, before me, the unclenlllled
known 10 me (or BllIatlClOrily provenllO be
\he permn. WN. nam.. are 8ubscribed 10 Ihe within instrumenl end ectnowledpd lhel they
eDCuJed the ume tor \he p~ herein conllined,
IN WRNIl&s WHEREOP, I hereunlO 11I1 my hand Ind orticill_l. ~ ~
~YCo~?I~~nErpirea: ...~__) , ... J!'/__
"':~":';: tr.no1/!1ll S.a' ~,
..... ~'l_~'''':" DA L McNEW, NOTARY PUBLIC ~
: .J : ~:.;; Chambereburg BolO. F/lnklin County ~ ~.....;. ~~<<'.e.:::...I
: .:. \ ~\. commlulon ..pires Oct 20. 1993 Tille., Office,
'~.'..
-~?I-I: ...~'!:.....
~"",~#.,\~.~Q:....,
..., .
,....., .
XClI01DAAI' .OS
,.. In, ""
roOK 1189 PACE 190
'"
-\
LlaAL D..caIPrIO.
ALL that c.rtain tract at land, being i.prov.d with a
.inql. t..ily dW.lling hou.. and variou. out buildinq., .ituate
in Shipp.n.burq Town.hip, CWaberland County, P.nn.Ylvania, .ore
particularly bound.d and d..cribad a. tollow.r
QI the Ea.t by the Shippen.burq-Hain.vill. Public
Road, on the South by land. now or tOI1l.rly at H. H.
Hoy, on the W..t by land. now or tOI1l.rly at How.rd
H. Hoy, and on the North by lot now or tOI1l.rly at
Fritl Glei., .aid d..cribad lot having a trontaqe on .
the .aid Public Road at 80 teet and an even depth
tro. the center ot the Public Road at 250 te.t to the
land now or torm.rly ot Howard H. Hoy, ator..aid.
..X.O known and numb.red a. 432 South Fay.tt. stre.t,
Shipp.n.burq, P.nn.ylvania. Being turth.r d..cribed a.
CUab.rland County Tax Pare. 1 No. 36-352388-039 on the tax
........nt record. ot cuab.rl.nd County, Penn.ylvania.
UI.O the .... real e.t.te which John Baughllan, Jr. and
Hartha I. R..d, Co-E .cutor. at the E.tat. ot Cora B. Bauqbaan,
by de.d dat.d , 1913, int.nd.d to be record.d
i..ediat.ly pr or 0 t . r.cordinq at thi. .ortgaq., conv.y.d
to Br.dy E. H..t.r and Karen L. He.ter, hi. wit., Hortqaqor.
h.r.in.
~
''''''"VI~".. }
"m~"'r'lllld SS .' \ , !
. ::-'; (Jrt~ ""~~"
')'lfit" 'or 'he rOCord';"'," ,
. ""'erl(j C...- W'1f
110/- -.Ml~
".,.. '-P.~
"1M . let
dIy
aoad1GS PACE 191
/
NOTE
LENOER'S I 09-02'32773
SEPTEMBER 29. 1983
ro...l
CHAMBERS BURG
[0.,1
PENNSYLVANIA
IS....I
432 SOUTH FAYETTE STREET. SH1PPENSBURG. PENNSYLVANIA 17257-1739
[Propa", AcId....1
I. BORROWER'S PROMISE TO PA Y
In return fore loan thet I have received, I promise to pay U.S. S 71. 250.00..ouou-n-m---..(this Imount Is called
.princlpal.), p1..lntenl8t, to the order ofthe Lender. The Lender is SEARS IIORTGAGE COIll'ORAlION, AN OHIO CORPORATION
, 1 undIntend
thet the Lender may trenaler this Note. The Lender or anyone who takes this Note by trlnater Ind who ia enlilled to reoeive
paymen18 UIIder thil Note is c;elled the . Note Holder.'
2. INTERf3T
In.... will be therpd on unpaid printipal until the full emount of principal hu been paid. I will pay in.... et e
yearly rete or ------0000-0000-7.5000'1,
Thein.... relll required by this Seclion 2 is .he rate I will pay both before end arter any clefeult deKribed In SclIOIl
6(B) of thIa Note.
3. PAYMENTS
(A) Time end Place of Psymea..
I will pay princlpalendlntereat by mekinl paymen.. every month.
I will make my monthly paymen18 on the FIRST clay or each month beainnlnl on NOYEII8ER 1 ,
1883 . 1 will make t'- paymenJa every month unlill have paid all 0' the principal snd interest and IIIJ othlr
therpa cleKribed below thet 1 mey owe under this Note. My monthly paymen18 will be Ipplled to intenl8t before principal.
If, on DCT08ER " 2023 , I still owe amounJa under thIa Note, I will pay thme emoun18 In full on
thet c1a1ll, whidlla called the .Maturity Dete..
I will make my monthly paymen"lt 440 NORTH FAIRWAY ORIVE, VERNON HILLS. ILLINOIS 60061
(I) AmouD' 01 Moatlal, Paymsn..
YJ monthly payment will be In the emoUllt 0' U.S. S 48B, 10..--------------.
... BORROWER'S RlOHTTO PRBrA Y
IlIeve tha riabt to meb paymenlaol prInclpaleuny lime befora they era due. A JlIyment 0' principal only Is known.a
.pI'8IlIJlllent.. WhIn 1 meb a prepayment, 1 will tell the NOlll Holder In writlnl thet 11m cIoIIlI8O,
'I may make s lull prepayment or partiel prepaymenl8 without paylnl any prepayment chltp. The Note Holder will we
all 01 my prep&lmen18 to reduce theemount or principal thet I owe under this Note,lfI make e partial prerlIyment, thaN will
be no theft.. 111 the due date or In the emount or my monthly payment unl. the Note Hollier Iar- In writllll to tJK.
then...
S. LOAN CHARGf3
If elew, whith ellrlll. to this loan end which 8818 mllimum loan charaea, Is finally In~ 80 thet the in.... or
other loan charpa c:ollCted or to be c:ollected in C:OMoction with this loan elCiled the permitted hmil8, then: (j) snyaudllOlll
cherp ehall be reduced by the emount n_ry to reduce the charp to the ~itted limit; end (Ii) eny lIUIM alnedy
c:oIleCted lrom me whith elc:eeded permitted Iimil8 will be refunded to me. The Note Holder mlY chooae to make thlanllllld
by reducilll the principal 1 owe under this Note or by mlklnl e direct payment to me. If I refund reduc:ea principal, the
reduction will be trlBlelIlle CIUtI~yment.
6. BOUOWER'S PAILURETO PAY AS REQUIRED
(A) Lala CIlarp for Overdue Payments
If the Note Holder hu not received the lull Imount or eny monthly payment by the end or 15 calendar daYllfter
the dale it II due,l will pay I lite tharp to the Note Holder. The emount 0' the charp will ~-----.----------5,OOOO'l 01
my overdue payment 0' principal Ind interest. I will pay this late charle promptly but only once on each lete payment.
(BI !)eleult
IUdo not pay thefull.mount oh.ch monthly payment on the date it Is due, I will be In derlult.
(e) Notice 0' Defeult
Irlem In derlull, the Note Holder mlY send me I wrinen nolice tellinl me thlllr I do not pay the overdue.mount bye
certain date, the NOlll Holder mlY require me to pay immediltely the 'ull amount or principal which hu not been paid end
or et e different p1_ ir required by the Nola Halder.
...nITAR FI_ UR 11III- Slfttl. ,...., -..... ....,,,_. .... ""..1_.
II,.. 1 I' I
_ -III"OILII XCIOODAM.OJ v.. MOJIITQAGI ,aRMI . 13'.'"."00 . tIOOl1l1-72.,
Pili CERTI - 7440251 PMI COMPANY - MORTGAGE GUARANTY INSURANCE COIIPANY (MB1C)
EXHfBIT'~11
'III the In_ wll ow. on WI... ,.Junl. thaI dete mUJI be 111_30 deya Irk, ,ne dete on which Ihe nouee II dellvlnd or
meUIll 10 m..
(D) No Welv" By NOI. Holder
EVIft II, ele lIms when I 1m in dellull, .he Note Holder doee nOI require me 10 pay Immedlltely In lull u cleacribed
lbov'l..the NOla Holder will allll hew the riabl to do ..If! em in dellul'llIlltcr ume.
llil Paymsal 01 Nola Holdar's Colla lad E.~a...
I the NoI8 Holder baa ~red ms 10 pay immedlltelf in lull u ~bed lbove, the Note Holdet will heYll tha ri~
ba paid _k II)' m. lor ell 01 lla c:wI8 end ......_In enlOI'CII1lthil Note 10 theellelll not prohibited by Ippllcablelew.
e~ Includa, loreumpls, _b1e euomeya' r_.
'.G1VINGOPNOTICES
UnI_ Ippllc:eblellw requl_ e different method, Iny nouee thel ml.Wl ba liven to me under thll Nola will ba Ii- by
dellverlllllt or by maililllll by lim cl... meil to me et the Property A~ lOOYll or III diUerenlldd~ II I liYll ihaNola
Holder e nollca 01 my dilfnnudd.-.
Any IIOlIca Wt mws be liven 10 the Note Holdet under thil Note will be liven by meilillllt by 11m c'- mail to tha
NOle HOlderll theeddn.ataiedln SeclIon 3(A)lboveol' Illdillerent~ Irlem liven enoileeor thetdirr_l~
I, OBLIGATIONS OP PERSONS UNDER THIS NOTF.
II more then one parDI sip thIa NOla, _II penon Is lully Ind penoneIly obllpted 10 keep III 01 lhe proml- made In
thIa NOle,lncludilll tIiie proml. to pay the lull amounl owed. Any penoIIwho I. 11\1II'III101', auretY 01' ~ 01 thIa Nota
Is al.. obllpted to do U- thinp. Any perpI who IIW over lhIae obllpuona, lnc1udillllhe obllpllOll8 of al\lUl!ltor,
IIJI'Ity or 8JIdoc'_ of thIa NOle, is aI.. oblipted 10 keep ell of the promi_ made In this NOla, The Note Holder mey__
lla riptla undar this Nota lpinat each penon Individually or lpinat III of 118 topther. This m88l\llhellny one of 118 may be
1'IlI'I!i'ed 1o.-l!81 ell of tha amounl8 oweel undar thIa Nota,
9, W AIVEIlI
I end any other penon who hu oblipllona undet lhil Note wllve the riallta or ~tmenl and nollee of ~.
"~tmenl" m_ tharilhl 10 l'lIquire the Note Holder to c1emlnd paymenl or emounladlll. "Nouceof diahonor" m_
the riabl 10 require tha Nota Holder 10 live nollce 10 other penona thelemounl8 dill heYllnol been paid,
10. UNIPORM SECURED NOTE
Thia NOle Is slllllfonn lnalnImenl with limited vlrietlona in eome juriedictlona.ln eddiuon 10 lhe ~1eCII_ pVlft to
the NOle Holder under thIa NOIe, e Marlap, Deed or TI'IIII or Securily Deed (the "Security Ill8lI'Umenl"), dated tha_e
dale u thIa Nola, protactI the Nota HoIcIiW from ~b1e 1_ which mlaht ,..at III do nol Pap lhe prom!.- wIlIcb I
mab in thIa Nota. &hat IlcurilJ InalnImlllt cleacribea how end under whet COndiliona I mey be required 10 meta immlliieta
payment in full of ell em_tala.. undar thlaNota. Some of thmIcondIllonure cS.ribed u follon:
Tnaaf" of 11M Plo1*ty or a .....f1ciaIIDtaJ'l8t ia Borrower. II all or any JlIrtof lhe Pros-tJor UlJ
II\lI8IWt In It . eoId or U'IIIiIf.-rad (or If e beneficiel in*-' in Borrowar It eoId or lI'IIIIferred end Borro.... not
e DllIII'Il..-) w1d1outl.llldar's prior writtan~t, Lender may. et Il8opt\on,l'lIquire immedlltlpaym.tln
full of all 8UIIII _Ill by thIa Slcurity IllIlrIImllll. Ho_ar, thIa option ahaIllIOl be e~eed by lADder If
__ iaprollibltld by federallew 1101 lhe date of thleSecurit)' Ill8lI'Um.l.
If Leadar _ '- thIa option, Lender ahaIl pve Borrowar nollca oIlIlOII..llon, The IIOlIee ehall pnmclla
period of not 1_1ban 30 cia,. from tha dete tha IIOlIee It cIeIlvered or mailed within which Borrowar mWS pay ell
auma __ by thIa Security Inatrumenl.lI Borrower lails to pay "- 8IIms prior 10 lhe elp/rallon of thIa pariod.
Lander mey invob any remedioe permlltld by this SecurilY fnatrUment without further IIOlioe or clamend on
Bonowar,
wrrNESSTIIE HANn(S) ANDSEAL(S) OF TIlE UNDERSIGNED,
-~~
IIIADY E. H 51
SSN:
(Seal)
,to /C/I ~ II lA):; ,
KAREN l. HESIE -
SSN:
(S..1I
.........
-Borro."
(Seal)
-Borro."
(Seal)
........,
SSN:
SSN:
'U1'O'l'I\!aIDEI\ora " "," 0"".., O."J
_-01"01"01 Xc.uooDAAI ,02
'1" I .1 I
IlEL&I J. IIYKA
1
\
-.
-,
Juu 17, 199:5
PNCMORTGAGJ.
PNC MOfITGAOE CORP. 01' AMlIIICA
P.O. .. 0210III
MIamI, FIolida 33.02
1\., 1111 L H..t.r
432 South Fa~.tt. St
Shippensbur~, PA 17257
ApP.ndix A
ACT 91 NOTICE
rAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
Toll Frell NUMb.rl
1-800-736-9090
8100 B~ - 5100 p.
The Co~monwe.lth of Pllnns~lvania'5 Homeowner's Emerg~ncy Mortga~e
Assistance ProgrSN ma~ b. able to hlllp ~ou, R..d th~ fol10willg 1I0tice
to fiod out how the pro~ram works.
It ~GU n.lld Nor. inforNation call the Penns~lvania Housin~ rinance
Agency at 1 (800) 342-2397,
La natiticacian IIn .djunto II. dll su.. importancia, pues afllct. su
dllrecho a cantinuar viviendo en su c..., Si no comprende el contenida
d. ..ta notification obtllnna un. traduccion imNlldi.taNllntll llamando
e.t. a~~nci. (P.nn.~lv.nis.Hou.in~ Finance A~.ncy) sin c.roo. al num.ro
me~cian.do arrib., PUlld.. ..r elegibl. psr. un pr..taNa par III progr..s
113mado "Homeowner's Emero.ncy Mortga9~A..i.tance Progr.m" el cual
ruede salvar au c.sa de la perdida dill derecho a r.d~mir au hipolpca.
ACT 91 NOTICE
IMPORTANT I NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
-
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE YOUR HOME
FROli r:ORECLOSURE AND HELP YOU MAKE FUTURE ~IORTGAGE PAYMENTS
Date I June 17, 199~
REI Account No, I 0090232773
TOI Brsd~ E HII.ter and Karen L Hester
FROHI PNC Mort~aqe Corp. of America
You ~ay be Eligible 'Dr financial ussistance that will prevent
for~clo$ure of Your mort~a~e if you comply with the provisions of the
Honurwoner's EIIII'I'<.ltnCy Mort!lage Assistanc. Act of 1983 (the "Act"),
You mat b. eligible for emergency temporary aS5istancl/ if ~our default
ha& b.en cau.lld by circumstance. b..and ~our control, yoU have a
rllasonablll prospect of r.sumlng your mortgage payments, and if YOU
m~~t other ~lj9ibilit. r~quirem9"ls establjshlld by the PwnnsYlvania
Hou.in~ Fin.nc. Agency, Ple..e read all of this Notice. It cOlltains
an ..planation ,of Your riqhts,
EXHIBIT'b'l
palle 2
, 0090232713
PNCMORTGAGI
"Ie MORTGAOE COfII~. Of MIIIUCA
~.o. 110II 0iII0II
MIImI. fb* :DUll
Under the Act. ~ou arw entitled to a te.porer~ .ta, of foreclosure on
~our ~ort~age far thirty (30) da~. fro. the date of this Notice,
DurinR th.t tine yoU mUBl arrange and ettend a "f.ce-to-face" ~e~tinA
with I repre.entative uf this lender, or with. de.i9nBted consumer
cr~dit couaelinA aRency, The purpo.e of this meelinR i. to .ttempt to
work out I repayment plan, or to otherwise .ettle your delinquency,
This .eetinB must occur in th~ next (30) day., If you attend M flce-
to-f.ce meetin9 with this lender. or with a con.umer credit coun.elin9
aBency identified in thi~ notice. no furth.r proceeding in mortgaBe
foreclo.ur. mey teke place for thirty (30) de,. .fter the date of this
me~tinB, The n..., address, and telephone number of our r.pr.sentative
i.,
PNC HortAal'le Carp, of Am.rica
8240 NU ~2 Terrace. St. 405
ttia.i. FL 33166
Telephone Nu~berl 1-800-736-9090
The n.... and addr..... of d..iBnated can.u..r credit counselinA aAencie.
are .hown on the Itteched sheet, It is only nece.slrv to schedule on.
flce-ta-fece ..etinl'l, You.should advise this lender i..ediltely of your
intention.,
Voto" n,ortRIBe ill in d.fault becnUl... yOU have failed to l'iI' p,'o,"ptly
install~~nts of principal and int~rest, as required, fur a p~riod
of at le.st lIixt~ (60) days, The total anount of the delinquency
i. . 1,944,64, lhis sum includes the folluwin91
HOhtha rl.t Duel APRIL,HAY,AND
Late Char~e Amountl
Rettorn Check Fee.,
Hisc.llaneou. Fee.,
JUNE
75,64
,00
,00
~
If 'au h.ve tried and ar~ un.ble to re.olv~ this problem It or after
your iace-to-face m.etinq, ,uu have the riqht to apply for financial
~..isllnce fron the Homeown~rs Em.rRency HortRage A.~illt.nce Fund, In
order to do thi., ~ou must fill out, si~n and file a co~pletod
tlom..owner'. EII.rRency Allllistance Application with one of thlf desiRhated
con~um~r ~redit counselin9 agencies listed on the attachment, An
~pplication fnr ns.i~lan~e may anI, be obt.ined from a consumer credit
counsulin~ agencv. The con&umer ~redit counseling agency will a.sist yOU
in fillinR out ~our applicltion Ind will submit your completed
application to the Penn5vlvlnia Housing Finane. A~.ncy, Vour applicetion
Must be filed or ~o.tmarked within thirty (30) day. uf your f.ce-to-face
mel.'!tin'l,
OH323
"
'l
pa". 3
0090232773
.,
PNCMORTGAGJ
'He MOIlTaAGI COII'. Of' '..-c.a
".0. .. 0lIIlIII
MIMlI. FIoIIda >>'01
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF
YOU 00 NOT DO SO, OR IF YOU 110 NOT FOLLOI.I THE OTHER TIME PERIODS SET
FORTH IN THIS LETTER, FORECLOSURE HAY PROCEED MAINST YOUR HOME
IHHEOIATEL y,
Aysilable funds for emerBency mortgsge assistance are very li.ited,
They will be disbursed by the A9.ncy under the eli9ibiUty ~riterh
established by the Act.
It i. extre.ely i.port~nt that your application is accurste and
cOIlPloto in eyery resp.ct, The Pennliylvania Housing Fi.rosnce A!len~y
has sixty (60) days to make a decision after it rec.ives your
apPlic'Jtion, Ourin9 that additional tillie, no foreclosure proceedings
will be pursued against yoU if yoU hay. met the tillle require.ent set
forth above, You will be notified directly by that Agency of its
decision on your application,
The Pennaylvania Housin9 Finance Agency is loc.ted at 2101 North Front
Street, Post Office Box 8029. Hsrrisburg. PennsYlvania 17105.
Telephon. No, 1-717-780-3800 or '1-800-342-2397 (tsll free nUllber),
Persons with i.paired hear~ng csn ,all 1-800-342-2397,
In addition, yoU ma~ receiye another no~ice from this lender under Act
6 ~f 1174. That notic~ is callod a "Notice of Intention to Foreclose".
You n~.t read both notice. since th~y both &xplain rights that YOU now
hs~e ~nd.r PennsYlyania law, However. if YOU chaos. to exercise your
riBhts d.scribed in this notice, yOU cannot be foreclosed upon wh~l.
YOU are receiVing that assistance,
Very Truly Yours,
.
PNC Mortgag. Corp, of America
OM324
,;.
\
-
Junlt 17, 199:S
PNCMORTGAGI
Brad~ E HIt.tltr
~ MOflTGAOI CORI'. Of AMERICA
1'.0."__
MIamI. PlDrIlIa 33101
~32 South Fa~ltttlt st
ShipPltn.buro, FA 172:S7
Toll Frltlt Numbltrl
1-800-73(, -9090
8100 M~ - SIOO pm
ApPltndh A
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
Thlt Commonwltalth of Pltnn.ylvania's ~omltowner's Emergency Mortgage
Assi.tsnce Program may bit abllt to hltlp you, Rltsd thlt followin9 notice
to find out how thlt program works,
It you nltltd nore infornation call the Pltnnsylvania Housing rin8ncE
Agltncy at 1 (800) 3~2-2397,
La notiticacion Itn adjunto e. de .uma importancis, PUIt. atecta .u
dltrecho a continuar viviendo en au c..a, Si no comprltndlt el contltnido
dlt ..ta notitic.tion obtltnoa una traduce ion imnltdiatamltntlt Ila.ando
It.ta a9ltncia (Pltnn.ylvania~ou.ing Finance Agltncy) .in c8rgo. al numltro
~ltncionado arriba, Pultd.. .ltr ellt9ibllt para un prltstamo por el progr..a
Ils.ado "Homltownltr's Emltrg.nc~ Mortgaglt.A..istanclt ProgrM." el cual
~~ede ~alvar au cana de la perdida del derecho a redemir su hipotcc.
ACT 91 IWTICE
IMPORTANT I NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
-
YO~ MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROi1 FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Dstel Jun. 17. 199~
REI Account No, I 0090232773
Tol Brady E He.tltr and Karen L Hester
FRoMI PNC Mortgaae Corp, of Am~rica
You maY be eligible for financial assistance that will prevent
foreclo$ure of your mortgage if you complY with the provi.ions of the
Ilo",...w~ner 's Energltncy Hortfla!llt As"istance Act of 1983 (the "Act").
You m~y be eligible for emergency temporary Mssistanclt if your default
has be.n cau.ltd by circumstance. beyond your control, you hay. a
res.on~ble pro.pe~t of resuming your mortgage paym.nts, and if you
meet other Itligibility r.quir.ments established by the Pennsylvania
Hou.in~ Financlt Agency. Pleaslt read all of this Notice. It contain.
an ..planation of your rights,
pa~e ~ ,~
0090~32n3 ,
-,
PNCMORTGAGI
I'NC MOIlTGAOI CORP. 01' .MI~
P.O. loa Cl2IOII
MIernI, I'IOIIda 30:11112
Under the Act. ~au sre entitled ta a te~parar~ atsy af tareclosure on
~aur qertpag. tar thirty (30) d.y. fra. the date at this Notice,
DurinB th.t ti.e yoU mu.t .rr.hBe and attend . "fsce-ta-fac." ~eeting
with ~ r.pr...ntativ. at this lender, ar with . de.i~n.ted can.u~rr
cr.dit cau..linB SBenCy, Th. purpa.e at this meeting i. ta .tte~pt ta
wark out . r.pay~ent plan, ar to atherwiae .ettle yaur delinquency,
Thi. meeting mu.t accur in the next (30) day., If yau attend a tace-
ta-ta~w me.ting with this lender, or with. can.umer credit caun..linp
.BenCy id.ntifi.d in this notice, no further proc..dinB in mortgage
forecla~ur. ..y tske plac. for thirty (30) dMY. .fter the date of this
m.eting, The nam., .ddr..., .nd tel.phon. number at our repre.entMtiv.
isl
PNC MortBsBe Corp, at A..ric.
8240 NY ~2 T.rr.c., St. 405
Miami, FL 33166
T.lephon. Numb.rl 1-900-736-9090
Th. n.... .nd .ddr..... at d..ign.t.d con.umer credit coun.eling agencies
.r. .hown an the .tt.ched .h..t, It i. only n.c....rv to .ch.dul. on.
race-ta-f.c. ...ting, Yau.should advi.. this lender imm.diat.ly at your
intwntton.,
i~ur ~ortgag~ is in default bec.use yoU have failed to pay proruptlv
installq~nts of prlncipal and interest, as required, fur a period
at at lea.t sixty (60) d.ys. The total amount at the delihquency
is .. 1,944.64, This sum includes the foUuwin'll1
Months Pa.t Duel APRIL,MAY,ANO
L.te Ch.r'll. A~auntl
Return Ch.ck F...I
Miscellaneou. F.esl
JUNE
75,64
.00
.00
-
If YOU hsve tri.d and are unable to re.alve thia problem .t or atter
your ta~e-ta-face meetina, YOU have the ri~ht to apply for financial
...istance tru. the Hameow',1ers Emergency Mortgage A..i.tsnce Fund, In
order to do thi., YOU must fill out. si'lln and tile a co~pleted
Ilol1leuwner 's E~erg.ncy Assistance Application I~lth one of the d".iAn.ted
con~u~~r credit counseling aaencies listed un the attachment, An
~pplicatlon fur assist.nce may ollly be obtain~d frum s con.umer credit
counsulin'll a'llency, lhe consumer credit couns.ling ag.ncy will a..ist yOU
in fllling out your application and will submit your completed
.ppli~ation ta the Pennsylvania Hou.ing Fin.nce A'llenCy, Your applic.tion
mu.l be tiled or po.tnarked within thirty (30) day. ot your t.c.-to-t.c.
m..tina,
DH323
'\
,
paRe 3
0090232773
PNCMORTGAGJ
PNC MORTGAGE CORP. OF AMERICA
P.O. IclIll2llOII
MIamI. FloncIe 33'02
11 IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF
YOU DO NOT DO SO. OR IF YOU DO NOT FCILLOU THE OTHER TIHE PE,RIODS SET
rORTH IN THIS LETTER. FORECLOSURE HAY PROCEED AGAINST YOUR HOME
IMMEDIATELY,
Available funda for .~~rnency mortgage aaai.tance are very limited,
They will be diaburaed by the Agency under the eligibility criteria
establiahed by the Act,
It i. extre.ely important that your application is accurate and
compl~tu in every respect, The PennsYlvania Housing Finance A~ency
has aixty (60) days to nnke a decision .fter it receive. your
application, During that additional tine, no foreclo5ure proceedin9s
will be puraued againat yOU if YOU have met the tine requirement set
forth above, You will be notified directly by that Agency of its
decision on your spplication,
The FennaYlvania Houaing Finance Agency is located at 2101 North Front
Street, Post Office Box 8029, Harrisburg, PennsYlvania 17105.
Telephone No, 1-717-780-3800 or 1-800-3~2-2397 (toll free number),
Per~ons with impaired hesrln~ can call 1-800-342-2397.
In addition, yOU may receiv~ another notice from thi5 lender under Act
6 of 1974, That notice is called a "No lice of Intention to ForecJ~se",
I You ~nst read both notices ~in~e th&~ both explain rinhts that ron now
have under Penn5Ylvania law. However. if YOU choose to exercise your
riRhts described in thia notice. YOU cannot be foreclosed upon while
rou are receivinp that assistance,
Very Truly Yours,
PNC Hortgage Corp, of America
DH32~
'i
SHAPIRO AND KREISMAN
BY: NANCY A, WORTH, ESQUIRE
ATTORNEY 1.0, NO, 50596
SOUTH POINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695.9240
5 & K FILE NO, 95-8571
Federel National Mortgage Association
c/o PNC Mortgaga Corporation of
America
568 Atrium Drive
Vernon Hills, IL 60061
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 1~ 1/:> (1~'t:'t( Ju 11'-
vs,
Brady E, Hester and Karen L. Hester
432 South Fayette Street,
Shippensburg, PA 17257
and United States of America
United States Attorneys Office
Fedaral Building, 228 Walnut Street,
Room 1162, Harrisburg, PA 17108
DEFENDANT(SI
TRuE COPY FROM RECORD
In Testimony Whereof, I hire unto set my IIMd
;.00 t~,( I 01 ~~1.a~ ~ISIe. ~:(
. tI 19~
.\j c '
COI\llPLAINT - CIVIL ACTION
MORTGAGE FOREC~OSURE
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 1201 DAYS AFTER THIS
COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRlmN APPEARANCE PERSONALLY OR BY
ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY
PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM
OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
IMPORTANT TO YOU,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP,
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(7171 240.6200
.
.
I
P.1JRSUAHT TO 'l'JIB PAIR DBBT COLLBC'1'XOR
RRACTICBS ACT YOU ua ADVISBD 'l'JII.'r.
'1'BIS LAW J'IlUI IS DBBIIBD '1'0 S. A DUT
COLLBCTOR A'.L"1'BImTIHG '1'D COLLIIC'.r .'.
DllBT. ANY IHI'ORIIA'1'IOII OBTAIHIID 1I%LL
.. DaBD :roa TIIA'1' PUJUtOS..
..
./
The Mortgage is matter of public record and Is Incorporated herein as
provided by Pa, R,C,P. 1019(g). A true and correct copy of said
Mortgage is attached hereto as Exhibit "A" and incorporated herein by
reference.
(d) Asslanments: None
2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the
legal successor in Interest to the original Mortgagee, or is the present holder of
the mortgage by virtue of the above-described Assignment(s),
3, Each Mortgagor named In paragraph 1 executed a Note as evidence of the debt
secured by the Mortgage. A copy of the Note Is attached as Exhibit "B",
4. The real property which is subject to the Mortgage is generally known as 432
South Fayette Street, Shippensburg, PA 17257 and Is more specifically
described as:
ALL that certain tract of land, being Improved with a single family
dwelling house and various out buildings, situate in Shippensburg Township,
Cumberland County, Pennsylvania, more particularly bounded and described as
follows:
ON the East by the Shippensburg-Mainsville Public Road; on the South
by lands now or formerly of H. H. Hoy; on the West by landa now or formerly
of Howard H. Hoy; and OD the North by lot now or formerly of Fritz Gleim; said
described lot having a frontage on the said Public Road of 80 feet and an even
depth from the center of the Public Road of 250 feet to the land now or
formerly of Howard H. Hoy, aforesaid.
BEING known and numbered as 432 South Fayette Street, Shippensburg,
Pennsylvania, Being further described as Cumberland County Tax Parcel No.
36-352388-039 on the tax assessment records of Cumberland County,
Pennsylvania.
BEING the same premises which John Baughman and Martha I. Reed,
Co-Executors of the Estate of Cora B, Baughman, Deceased granted and
conveyed unto Brady E. Hester and Karen L. Hester, husband and wife by Deed
dated September 28, 1993 and recorded In the Office of the Recorder of Deeds
for CUMBERLAND County on October 7,1993 In Deed Book 0 36, Page 677,
5. The Name and mailing address of each Defendant Is: Brady E, Hester and Karen
L. Hester, 432 South Fayette Street, Shlppensburg, PA 17257 and United
States of America, United States Attorneys Office, Federal Building, 228
Walnut Street, Room 1162, Harrisburg, PA 17108.
, ~
TOOETHER WITH all " Improvements now or herearcer etec' on .he prop!"y, Ind all euemenl8,
IppunenanCte, and rinures now -. hereerler a pan or the propeny. All replaccu.en.. end edd..ions llhall al80 be covered
by lhil Security Instrumenl. All orthe foreaoin, is rerel'J"Cd to in this Security lnatrumentu the "Property"
BORROWER COVENANTS thet Borrower is lawfully lIeiaed or .he ClItale hereby conveyed and hu the riaht to
mort..., ....nt Ind convey the Propeny Ind that the Propeny is unencumbered, elcept ror encumbranca of record.
Bomiwer WlrrBnta and will defend aenerally the title to .he Propeny lpinat ell claima Ind demlnda, subject to en}'
encumbrance. or record.
TIllS SECURITY INSTRUMENT combines unirorm covenlnta ror nltional U8ll and non"Uniform covenenll.ith
IimiJed verietions byjuriediction to constitule I unirorm _urity instrument coverin, reel propeny,
UNIFORM COVENANTS. Borrower and Lender covenen. and I1fe8 u rollowc
I. PaymeDt of Prlacipa1aDd IDlere.t; Prepsymeat ead Late Cbar,... Borrower shall promptly pay when due
the principal of end inlerwt on the debt evidenced by .he NOIe end any prepayment and lale char,es due under the Nota.
l. FUDda lor T.... eDd IDaunDce. Subject to Ipplicable law or to a written wliver by Lender, Borrower ehall
pay to Lender on the day monthly payments Ire due under the NOIe, until the Note is paid in full, I sum ("Punds") ror:
(I) Yearly tllea end -men.. which may 8Itlin priori.y over this Security lnatrument u a lien on the Propeol), (b)
Yearly I_hold payments or around rents on the Propeny, ir Iny; (c) yearly hlzard or propeny inaurance premiuma;
(d) yearly nood insurance premiums, ir any; (e) yearly mon.... insurance premiums, ir en)'; Ind (f) any sums payable
by Borrower to Lender, In accordance with the provisions or paraaraph 8, in lieu or the payment 01 mortp. inaunace
premiUII\JI. Th_ itema ere called "Eacrow Item.," Lender mey, at any time, collect and hold Funds in en ImOlll\t IIOt
to elceed the melimum amount e lender for I federally related mon.... loan msy require ror Borrower's -=row
ICCOunt under the federal Reel &tete Settlement Procedures Act or 1974 u Imendod rrom time to time, 12 U.s.C,
Section 2601<< uq. ("RI!SPA"), unI_ enother IIW .hat Ippliesto the Fundaaeta el_ Imount.1f8O, Lender me}',
at eny time, collect Ind hold Funda in en amount not to elceed the I_r Imount. Lender mey estimete the Imount of
Funda due on the buis of Current data snd reasonable eatimllC8 or elpendi.urea 01 future Escrow llems or otherwise in
Icconlance with eppliceble II., ,
The Funda ahell be held in en institution whoee depo.tts ere insured by I rederalsaency, inatrumentelity,orentit)'
lincludilll Lender, ir Lender is IlUCh an institution) or in eny Federal Home Loan Bank, Lender lhel1 epply the Funds to
pay the Escrow Items. Lender mey not char.. Borrower ror holdin, and Ipplyin, the Funda, IMually eneIJliIll the
-. account, or verilyln, the Escrow Items, unl_ Lender pays Borrower intereat on the Funds and sppliceblele.
~ita Lender to make IIIICh a cherp, However, Lender mlY require Borrower to pay a one-cime char. for en
Indepeudent reel estate tal reportin,aervice \.8ed by Lender in coMection with lhisloan, unI_ eppliceble II. providaa
orJlenriae, UnI_ en eareement il made or IppJiceble IIW requires interest to be paid, Lender ahell not be required to
pay Borrower any in,.... or eemiap on the Punda. Borrower end Lender mlY SIfW in writilll, ho.ever, that InllrWt
aba11 be paid on the PundLl.endar IIhaII pve to Borrower, without char., an annual accountin, or the Funds, aho.illl
cndi.. end debita to the Punda end the putpI8e ror which each debit to the Funds wu made. The Punds ere p1adpd .
edditi-' aecurity for a1181111\s aecured by thIa Security lnatrument.
"the Punda held by Lender elt*d the Imounta permitted to be held by IppliClble IIW, Lender ahelllCCOlBlt to
Borro.er rOt the e.- Funds in eccordence with the requirements or eppliClble Isw, It the amount or the Funda hald
by Leader at any time is not aufficient to pay .he Escrow llems when due, Lender mly 80 notiry Borrower in writi""
Ind, in auch CIIll Borrower shell pay to Lender the emount n-..y to mike up the deficiency, Borrower ehall meb
up the deficiency in no more than twelve monthly payments, It Lender's 80Ie diecretion,
Upon payment in rull 01 111 sums secured by this Security Instrument, Lender ahell promptly rerund to Borro...
any Funds held by Lender, It, under paraaraph 21, Lender lhell Icquire or..1I the Property, Lender, prior to the
llXJuiaition or 8IlIe or the Property, 5he.l1 epply .ny Funda held by Lender at the time or Icquiaition or 8IlIe u e credit
epinst the sums aecured by lhis Security lnatrument,
J. ApplicatioD 01 PeymeDta. UnI_ IppliClble llw provides otherwilll, III payments received by Lender under
panpapha 1 end 2 ehall be applied: tim, to Iny prepayment char... due undet the Note; aecond, to emoun.. payable
under pan....ph 2; lhird, to intereat due; roUrth, to pnncipal due: and lut, to Iny lete char... due under the Note.
4. Chu,es: Lln.. Borrower ahell pay ell tales, _ments, charles, rinea Ind impositions attributable to the
PnIp..l)- which mey Itlain priorily over this Security lnatrument, and I_hold payments or around renl8, ir uy.
Borro.er ahell pay thee oblipJiona in the mlMer provided in paraaraph 2, or if not paid in thet minner, Borro...
abeJl pay them on time directly to the penmn owed paymenl. Borrower shell promptly furnish to Lender ell notice. 01
Imoun.. to be paid under this pancraph. It Borrower makes th_ paymene, direc.ly, Borrower shell promptly rumiah
to Lender receipts evidencin, the payments,
Borrower shall promptly diecher.. any lien which hu priority over this Security Instrument unl_ Borrower: (I)
Iar- in writin, to the payment or the obli,ltion secured by the lien in e mlMer acceptable to Lender; (b) conll8lll in
Iood raith the hen by, or defends I..inst entolUment or the lien in, le..1 proce..dinp which in the Lender's opinion
operlle to prevent the enforcement or the lien: or (c) ~ures from the holder or the lien In I,reemen. BltiarlClOry to
Lender IUbordinatinl.he lien '0 lhis Security Instrument. It Lender decermlnea thlt Iny pan or the Propeny IllUbject
'0 e lien which mlY IltIin priority over this Security InsJrumen., Lender mlY ,ive Borrower a notice identiryin, the
lien. Borrower ehell Bltilly the lien or tate one or more or the actions lilt fonh lbove within 10 days or the livin, or
notice,
__-"AI 10""
"" . ., .
XCII070AAB ,os
"'J~..I
"'IU.,r~
~1169 PACE 186
I,R#
S. hlllrd or Properly' .Iael. Borrower shill keep .he improvl '.18 IIOW eriSlinr or herearler erected on
lhe I'roplrty lnau,.j IplnallOl.. ~y flrl, hlllrda included within Ihe \erm '..lCI\ded coverace" and any other hazards.
Includln. nondl or noodln., ror which Lender requil'8ll insurance. Thil ill8Uranct IheJI be mainJained in the emounJa
Ind lor Ihe periods lhall...ndlr requll'8ll. The inaunnce clrrier provldinl.he illSlll'lllCe shill be chOllell by Borrower
IUbjecllO IAndlr'1 IpprovII which lhall nOI be unrel80nlbly wilhheld, Jr Borrower raile \0 maintain coversp cJ.:ribod
lbovl, ....ndlr mlY, 1.I.lfldIr'l opllon, oblaln cove....e 10 pr'Olec:l Lender's riabll in the Propeny in Iccotdance with
pI,..raph 7.
AU lnauranel pollcl. Ind renewIII Ihlll be IccepJable co Lender Ind shell Include a 8Ulndard mortpp clIUlO.
Lender Ihlll hi VI 111I rl,hl 10 huld Ihe pollclllll Ind renewals. Jr Lender requil'8ll, Borrower ahell promptly live \0
lAndIr III recllpla 01 peld pflmiuml Ind renlwll nOlices. In the event or 1_, Borro.er ahellrive prompt notice \0 the
inaunnC8 carrier Ind lAnder. ....ndlr mlY mike proor 01 I~ if nOI made promptly b)' Borrower.
Unl_l.lfldlr IndBorrowlr olherwl. Iar- In wridna, il\llurance proceeds shall be applied \0 relIIOrationor repair
01 Ihe I'roperty damlpd,ll 111I ,.\Orallon or replir is economically reulble end Lender'. _urit)' is not I _I If the
I'IIIItOnllon or lIpIlr IllIOt ac:onomlcally reulble or Lender'. ecurilY would be l-.ed, the Insurance proceed.lheJl be
Ippllld \0 Ihe luml ~ by Ihll Seeuri.y Inslrumenl, whether or not then due, with any er~ paid \0 Borro....lf
Bcirrower lbandona Ihe Properly, or dOllll nOllnswer within 30 days I notice from Lender that the insurence carri.. has
orrlflld In .Itle I clllm, Ihlll I.ender mlY colleet the insurance proceeds, Lender mlY use the proceeda \0 repair or
I'IIIItOfI.ha Propertr. or \0 ply luml IeCUred by Ihil Sec:uri.y lnatrumenl, whether or not then due. The 3O"day period will
beain whlJllIII nOI III illlnn.
UnI_l...ndlr Ind 8orrowlr nlherwlse Iar- in writina, .ny Ipplication or~ \0 principal slWl not ertend or
poatponllhl dll8 date 01 Ihl mon.hly plymenll rererred \0 in ~~pha I Ind or chenp Ihe amount or the paymllltL
II undlt plrapeph 21 the Property II Icqulred by Lender, wer'. ri.ht \0 an)' ill8Urlnce polici. and j'lIOClI6cIo.
~Iln. lrom dam I" \0 Ihe Property prior \0 the Icquialtlon .hell pua \0 Lender \0 the ertent or the aum. eec:ured by
lhll Seeurily Il\IIrUmlllllmmedllllly prior \0 the Icquiaition,
6. Occupency, Pruerntloa, Melallalacl ead Protect loa of tbe Property; Borrower'. LoaD Application;
.....1101... Borrow., wllllCalpy, .lablish, Ind use Ihe Property u Borrower'. principal residence within a111J days
11_ 111I Irecution 01 thll Securl.y IlIItrummt Incl Ihall continue \0 OClCUpy the Property as Borro.er'. principal
....dence lor at 18111 one y.r Irter the date or occupancy, unl_ Lender otherwi. 1"- in writin.. which COIWIIItlheJl
1101 III U~nebly withheld, or unl_ ertenuetin. c1rcumnanc. erlat which are beyond Borrower'. control. Borrower
e/IIII not daatroy, daml" or Impair Ihe ProperlY, IlIow Ihe Propeny 10 deterlonte, or commit WU1e on the Prot-l)o.
Borrow., wll III In cWlulllf any 10rlellufllClion or proceodina, whether civil or criminal, is beJun that In Lender'.
IIIocI '11th Iud.mlllt aMIId rwuilln lorlel.ure or Ihe Propel t, or otherwiee mlterlally Impair the lien Cf'llllted b, thIa
Seeurlly lnavumllll or IAndlr'. BKUri.y In..., Borrower mey cure luch I detlult Incl reinstate, u povided in
penpeph II, b)' caual", .11I ectlon or proceedln. \0 be dl.mi..t with a n111", 111I" in Lender'. aood faith
"'mlnedon, preeludea lorllilure 01 Ihe Borrower'llnlmlBt in the Property or other mlterlellmpairment of tba lien
~ted by thIa Securily lnavumenl or .......1 _urily interwt. Borro.er IheJI aJao be In defeult If Borro..., duri",
\he loan eppllcallon rr-. pn mlterilHy 'II. or illlllC:lJnte Information or ltltemenla co Lender (or fallld \0
provlda LIridar with eny meterilllnformltlon) In COMtCtion with the lOIn evidenced by the Note, Includl.... but not
limited 10, r~Jatione concemin. Borrower'. OC:CUplncy of the Property U I principal realdence. If thIa Security
lnatrumllllll on I leeaehoId, Borrower shall comply wllh all the provlalona or the 1_. U Borrower Icquirea fee dtle \0
111I Property, Ihel_hold Ind Ihe ree IlIle lhall nOI merp unl_ Lender l,reIIII \0 Ihe meraer in writlna,
7, Prol.elloa of tander'l RI.btl In Ibe Property. If Borrower rails \0 perform Ihe covenenll end Ipwmenll
CDnlllnld In thll Seeurity Il\IIrUmllll, or Ihere II e lepl ~ina that mlY ai.nirlc:anlly Irteet Lender'l ripla In the
Pl'Dplrty (Iuch U . proc:eedln. in benkruplcY, probate, for condemnltion or forfeiture or \0 enforce la.. or
l'IIUIetlona), lhen IAncler mey do end pay ror whltever is n_ry \0 prolec:t the value or the Property .nd Lender'.
riabllln 111I Property, lAnder'. Iclloll8 mlY Include peyina eny sums secured by I lien which has priority over thI.
Sleurlty lnavumenl, IPI*rin.ln court, payin, reasonable attorneys' 1_ and enterln. on the Propeny \0 make repairs.
A1lhou.h Lender mlY Jake Ictlon under Ihl. pln....ph 7, Lender does nOI hive \0 do eo.
Any Imounla dllburaed by Lender under Ihls pan.raph 7 shall become Iddltional debt or Borrower secured b)' thIa
Security lnetrumllll. UnI. Borrower Ind Lender aP'88 \0 other terms or plyment, th_ amounts shill beer In'-'
lrom Ihe date 01 d1a","-menlll the Note rate Ind lhall be payable, with Inlerllllt, upon notice from Lender \0 Borrower
l'IlIu.tin, paymenl.
e, Mort.l.e lalurlaee. U Lender required mort,lle insurance U I condilion 01 makin. the loan eec:ured by thI.
Securi.y IlIItrumen., Borrower Ihlll ply Ihe premiums required to mlinlain .he monpp insurance in ertect.If, 'or eny
fIlIOn, Ihe mortpp lnaurance coveraae required by Lender lapees or co.- 10 be in elree., Borrower ahall pay the
pramluml required \0 oblain coverace substanlillly equivllent 10 the mortpp ill8unnce previouely In elfeet. at e coat
lubatanllllly equivllen. 10 Ihe cOat 10 Borrower or Ihe mortpp ill8Urance previoualy in erfeet, from In aIlemlte
mon'l.e lnaurer IpproVed by Lender, II substanlillly equlvaleol mortPII insunnce covera.e is not avelleble,
Borrower Ihlll pay 10 Lender IIch monlh I sum equello one-cwelhh 01 Ihe Yllrly mort,lle insurance premium belna
plld by Borrower when Ihe Ill8urlnce covenle Ilpeed or c~ 10 be In eneet. Lender will accept, use Ind retain o.e
plymenla U I 1- l'OIIIIfVe In lieu or monllae insurance, Lo. rlllletVe peyments mlY no Ion.... be required,
_-11I.A11t1011
"" I .. .
XClI07DAAC .0' ~l.~~
~-;;:F
BOOK 11S9 PACE 187
.. the option of Lender, if m - '..p ill8urance cov......, (in the amount . ror the period that Lender requil'C8)
provided by In ill8Ut8l' IrPOVe.. "y Lender lpin becomClll availlble and il obwned. Borrower shall pay the premiums
requind to maintain monpp ill8lltlllCe in eUect, or to provide a I~ ..-rye, until the requirement for mortpp
lnaunnce ends in accordance with eny wrinen epeement between Borrower and Lender or Ipplicable law,
9.IDlpectloa, Lender or ii, spnt mey mike reaaoneble entriClll upon and inapectloM or the Property. Lender ahell
pve Borrower notice et the time of or prior to an inapectlon epeciryin, ramnable ca.. ror the illlpection,
10. CODdemDltloa. 11Ie ptoceeda or Iny IWerd or cllim for damaaea. direct or conaequentiel,in connection with
Iny condemnation or other lakin, or sny pan or the Property, or ror conveYlnce in lieu of condemnation, sre hereby
"lIled Ind shall be paid to Lender,
In the event or e total lakin, or the Property, the p~ shall be Ipplied to the eumelOClll1ld by this Security
InatrUment, whether or not then due, with Iny elc:aB paid to Borrower. In the event of I panial tlti"' of the 1'rop..1)' in
which the fair martet value of the Property immedietely before the lakin, is equal to or pellet than the emount of the
BUmI lIOCUnd by this Security InatrUment immediltely before the lakina. 11III_ Borrower and Lender otherwl. spee
in writine. the sums aeeured by thla Security IllItrUment ahell be nduced by the emount or the ptoceedol multiplied by
the followin, fraction: (e) the total Imount of the sumsllOCUl'ed immedillely before the lakin" divided by (b) the fair
nwbt value of the PIO)-I.J immedietely berore the tetina. Any be1111C1 eheIl be paid to Borrower. In the eVWIt of a
penial tlti"' of the Property in which the flir market value of the Pcop..11 immediltely before the tetin, is 1_ then
the emount or the 8WI\II aeeured immediately before the tltin" unI_ Borrower and Lender otherwi. lpee in writlDl
or 11III_ Ipplicabls law otherwi. providea, the proceeda shell be Ipplied to the aums IOCIII1ld by thla Security
InatrUment whether or not the aums ere then due.
If the 1'a000lJ is sbeodoned by Borrower, or if, dlet notice by Lender to Borrower that the llOIldemnor oU.. to
make In eWlrd or eettIe e claim for damlpa. Borrower faiia to respond to Lender within 30 da,. after the date the
notice is pven, Lender is luthorized to collect Indepply the plcx.da. II ilsoption, either to te8IOretlon or repair of the
Property or to the aums aeeured by this Securi ty lnatrument, whether or not then due.
UnI_ Lender and Borrower otherwilllllaree in writln" Iny Ipplication of ptoceeda to principal shell not eItInd or
poItpone the due date of the monthly paymenll referred to in penarepba I and 2 or chanp the emount of such
paymenlL
11. Borrower Not Rel-.d; PorbearsDce By LeDder Not a Welver. Eltenaion of the time ror paymlllt or
modification of emortlatlon of the aumsllOCUl'ed by .his Securil1lnnumlllt panted by Lender to any ... - In
in... of Borrower eheIllIOt operate to cel_ the Iiebility or the oriPae1 Borrower or Borrower's 8\1( [ -t8 in
intenat. Leader eheIl not be requind to commence proc:eodinca lpilWt any 8l ,( in Interwt or nl~ to atand
time for payment or otherwiae modify smortlation of the aums aeeured by thla Security InatrUment by ..- of eny
demand made by the oripnal Borrower or Borrower's ..~ 'I. in in.... AAy forbeerm:e by Lender In .....n'
any riabt or remedy eheIl not be e waiver of or preclude the enrciae of eny riabt or remedy,
11 SI'1:( IIlorS ead Aul... Bouad; 10lDt ead Sevanl Liability; Co-Ilper., The COVllllllts ande..-nlllta
01 this Security Instrument abaIl bind and bQnefit the ... ... and ...... of Lender and Borrower, subject to tM
provieiona of perqraph 17. Borrower's covenanll end lpeeJnents eheIl be pnt and aeveral, Any Borrower who co.....
tbIa Security lnatrument but doee not elecute .he Note: (e) is co"lipllll this Security lnatrument only to mortpp,
pant Ind convey thet Borrower's inten18t in the Property undei the termI of this Security InatnJment; (b) II not
penonally oblipted to pa)' the sums aec:und by this Security lnatrument; end (c) Iar- thet Lender end eny other
Borrower mlY earee to eJtend, modify, forbear or make Iny ICCOmmodationa with cepnl to the terms of thla Security
InatrUmentor the Note without that Borrower's conaent,
13. LoaD Char,OI. If the loan aec:und by this Security InatrUment ie subject to e law which acll muimum loan
cl\eraClll. and that Ilw is finally interpreted lID thet the in... or other loan charps collec:ted or to be collected in
COIIIIIClIon with the loan eJCeed the permitted limits, then: (I) any such loan charp shall be reduced by the emount
~ry to nduc:e .he cherp to the permitted limit; and (b) Iny aums llready collected rrom Borrower which
~1I*ded permitted limits will be refunded to Borrower, Lender mey c'- to make this refund by reduc:illl the
principal owed under the Note or by makin, e direct payment to Borrower, If e refund ndUCCll principal, the nduc:tlon
will be trCIlIted II e penial prepayment without Iny prepayment cherp under the Note.
14, Notlcea. Any notice to Borrower provided for in thll Security lnatrument eheIl be pven by deliverilll it or by
mailin, it by fim cl... mail 11III_ Ipplicable Ilw requil'C8 use or IIIOther method, The notice shall be directed to the
Property Aa.tre. or eny other ~ Borrower deailJllle8 by notice to Lender, Any notice to Lender shell be pven by
fim cl.. mail to Lender's Ictcn. ateted herein or eny other Iddn. Lender -anelel by notice to Borrower, Any
notice provided for in this Security lnatrument shall be deemed to heve '-' pven to Borrower or Lender when pven
u provided in this pet8It1Ph.
IS. GoveralD, Law; Sevenbillty. This Security InatrUmenuhall be IOverned by rederelllw end the lew of the
jurisdiction in which the Propeny illocated.ln the eventthlt any proviaion or clluae or this Security lnatrument or the
Note conflic:t.l with applicable law, 8\lCh conflict shall no. aUect o.her provisions or lIue SecurilY IllItrUment or the Note
which can be pven errect without the conflictin, provision. To thle end the proviaioM or thie Security lnatrument end
the Note Ire clec:lend to be .v....ble,
__ -....AI 11101.
,... 4 ., .
XCII07DAAII .01
,.. suO .J.
l"I"t~
;.,J P
BoOK 1169 PACE 188
16, "orro.er'. Copy, Bo - er lhell be liven one conrormed copy or. jote Ind ohhil Security InatrUment.
17. Tr...ler of .Ia. Pro.......' or . Beaetlclella.eree. la Borro.er. .i all or any part or the Property or any
In... In hi. BDld or tranIIlfNd (or Ir e bendiclll intenat In Borrower is 8llld or trenaremd and Borrower is no. e
natural panon) without ""'1 prior wriuen COnaenl, Lender mlY, at ite option, require immedilte payment in full or
all .ums eecurad by IIIIa l!.elll'hy IlIItI'Ument. However, lhla oplion shell not be elerciaed by Lender it eem. i.
prohIbllad by tldenlls. II ot dledelll ot thi. Seturity IlIItI'Ument.
It Lender 'lercI_ thI. option, Lender shellain Borrower nolice or ac:celeralion, The notice shall provide e period
01 IIOtl_ then 30 de,. trom die delllthe notice is delivered or mailed within which Borrower mll8t pay all eums-=ured
by WI Security IllIlrUmant.lt Borrower till. 10 pay th_ sums prior 10 the npirelion or thI. period, Lender mlY invoke
Iny remtdl. ptl'mhlad b, thIa Security InatrUment wilhout rurther nolice or demand on Borrower,
II. Borro..,'. RI.llt '0 R.lalt.te, It Borrower mtell c:ertlin condilions, Borrower shell have the riabt 10 have
enfOl'llllllant or WI Security IllIItrument dieconlinued II any time prior 10 the earlier or: (a) j da,. (or .uc!! other period
.. eppllcablellw mlY apaciry tor reillllalllment) berore aele or the Propeny purauent 10 any power of aele contained la
thle Stcuri.y IllIlrUment; or (b) entry or e judament entorcin. this Security Ill8tI'Umenl. Thll8D c:ondilioll8 ere tha.
Borrowlf: (I) pa,. Lender all aum. which then would be due under thI. Securi.y InatrUment and the NOlO .. It no
~..lion had occurrad; (b) CIIR8 Iny detlult or any other COVenenla or lpeemenll; (c) pa,. all OI~ incurred in
enfotcllll thI. Securi.y lnatrument, Includina, but not limited 10, reuonable ItIOme,.' tem; 100 (d) takes .uch lClion II
Lender mlY "-"bly require 10 IIIUre thet the lien or thI. Security IlIItI'Ument, Lender'. riabla in the Proplrt)' end
Borro..'. obllplion 10 pa, the aum. _ured by this Security InatrUmentshall conlinue unchenpd. Upon reinatatoment
by Borrower, IIIIa Security IlllItrumenUnd the obllplions _ured hereby ehaJl remain tully errective u it no ecceIeretion
had oecurnd. Ho.evar,1IIIa rililt 10 reillllalOshall not Ipply in the CUll or acceleration under JlUI....ph 17,
It, 1.1. of No..; <:baa.. of Loaa Servicer. The NOlO or I partial intenat in the NolO (lO..ther with IIIIa Secwil)'
lnatrument) mlY be 8llld one or more limes without prior nolice 10 Borrower. A aele mlY reeult in e chen.. in the enlily
(known · die "Loan Servicw") thet collectl monWy paymen18 due under the NolO end this Security Ill8trUment. There
ellD mlY be one or more chen.. ot the Loan Servicer Unrellted 10 I ale or the Note. It there is e chenp ot the Loan
Servicar, Borrow. will be liven written notice or the chen.. in eocordence with JlUI....ph 14 ebove and applicablelew,
Tha notlC18 wlll8llla the name end eddreM or the new Loan Servicer end the I~ 10 which payments should be made.
TIle nacIaa will elm _tain UIJ other inrormetion required by .pplicable 1ew.
a. 11I"'.011I lullttaacea. Borrower shell not CSl* or permit the pre.nce, lIIe, dilpoBl!, 8Iorall, or rei_ ot
.., Huudoua Sua..- oa or in the Property. Borrower ehe1lnot do, nor IlIow anyone el.lO do, 8IlythlDletfectiDl
till Pl...-t1 that Ia III violetion ot any Environmental Law. The ~1II two aen~ ehellnoupply 10 the llt--,
we, or 8liDrqI on die PlOt-II ot .mell quantitiea or HaariIo.. Submnc:ea that Ire aenerally recoptized to be
.pprvprielelOnonna1 nelcleatiel_end 10 maintenlnceot the Prope.l),
.. Ibro.. shell promptly live Lender written notice ot any Inveatiption, claim, demsnd,llnuit or other action by
ear IO'Ift\m..tal or nsuJ.1Dr)' .aency or privalO pert)' Involvilll the Property end any HaardoIl8 Subetance or
BaYiroamental La. of.b1eh Borrower hea BmIII knowledp, rr Boriower Ill8I'II8, or i.notified by en, IOvernmental or
nsuJltar)' euthorlt" the. an, removal or other remedietion ot eny Hezardoll8 Subetance attectin. the Propa.l) I.
n ." Borrowerahe11 promptly takeell n-..y remecliallctionaln eccordence with Environmental Law,
M II8Id In IIIIa JlUIarapb :ai, "Hezerdo.. Subatancea" are tho8D eubetencea defined U lODe or hezardolllau'-"-
b, Envil'Ollm..ta1 La. end the tollowin. .ubetencea: paoline, kerosene, other nlmmlble or lODe petroleum prodUCla,
lODe PBDticlclaa end herbicides, volatile 8lllVenll, miter/III containin. ubeatoa or rormllclehyde, and redloectlve
metariela. A.1I8Id In IIIIa pataanp/l :ai, "Environmental Law" m_ federelllw. Ind Ilw. ot the jurilld.iction where the
Prop.. 1, Ia locelad that reiew to health, ufety or environmental protection.
NON-UNlFORN COVBNANTS. Borrower end Lender turthercovenent end lpee III rollows:
21. Aceal.n.loa; Remedl... laDder .hall .Ive aotlce to Bonower prior '0 .ccelentloD follo.ID,
Borro..'. bnacla 01 aD)' coYaaaDt or .IRCmell' la .hll Securl')' laatrumea. (but ao' prior to _Iention
uaar pera.,.pla 17 u.l... applicable law provide. otherwlll), LeDder .bellllotlt, Bono.er of, .moa. oilier
.1II1..a: (e).Ia. deteul.: (b) tJ&. Betloo required to cure the def.u1t; (e) wbea .be def.ult mUl' be cu,.d; ..d (d)
.... f.II.,. '0 cure .Ia. d.Iault u .pacitled mey result io Iccelentloo of .be lum. lOCured by tbla Securi.y
....ru_a. forecl08ure by judlelel proceedill' lad IIle ot .be Property, Leader .bell lurther Ialorm
Borrower of .b. rlllat to nla..... efter eccelerltloa .ad tbe rilb. '0 a...rt la tbe foreclosure proceedla. .be
DOlI~.Iatea08 of . defeul. or eDY otber deteall of Bono.er to .cceleretloa eDd toreclosure. II .be defeul. I.
ao' cured .. lpec:ltled, Leader, .t Ita opt loa, mlY require immedl.te plymeat ia full ot .1I.uml lICured b,
.lal. Securl', 1..trumeD' witbou. turtber demaad lad mey toreclose tbl. Security laltrumea. by judicial
pI D' .dID" LeDder lull be .D.I.led to collec. ell elpea_lacurnd la pUrlulaltbe remedle. provided la till.
panlrapla 21, lacludlo., bu. aot limited to, elloraeYl' tees eDd COlts ot tI'le evldeace to tbe elteat permitted
b, Ippllcsble Ilw.
22. R.I..... Upon payment or ell sums 8OC\Jred by lhis Securi.y InatrUmenl, thll Security InslrUment end the llBtIllI
~veyed lhell terminalO end become void. After such llOCIIlTenCe, Lender shell dilCher.. Ind aatisty thI. Security
IllIItrument without charlllO Borrower. Borrower shill pay any recordation C08l8.
__-"All"'"
'I" . .t .
XCIICl7DMI ,01
,..~
1.111~
aooKiHl9 PACE 189
23. W..!ven. Borrower,' .. ,e eltent permiued by Ipplicable Ilw,' '. end rel_ Iny error or clefllC1a in
ploc.o1inp to enlOI'll8 thia Socu...y IlI8Itument, Ind hereby waives the benetu 01 any ~t or Mute II" providiDl
rOt NY 01 eucution,lItInaion 01 time, elemption rrom Ittlchment,lcvy end ale, end homestead elemption.
24. R,I.amtamnt Period. Borrower'. time to reinatate provided in pen....ph 18 ahell eltend to one hour prior
to the commencement 01 biddiDl.t e aherilrs ..I, or other sale pUl'8lllnt to this Security IlIItrUment,
25. Pun:u. Moaey Mortl.... If any 01 the debt IIllCUred by this Security Irwtrument II lent to Borrow.. to
acquire tide to the Property, thI. Security Il\II.rUment shell be e purchue money man....,
26. latareat Rata Alter ludlmlllt. Borrower.~ that the interest rate payable elter a judlment i. enllted on
the Note or In an action 01 manp.. 10reclOlute ahell be the rete payable lrom time to time under the Note.
27. Ride,. to t.ia Security la.trumeat. If one or more riden Ire elecuted by Borrower and recorded topther
with this Security lnatrument, the covenanta Ind apeementa or each .uch rider shell be incorporated Into end ahell
Imend Ind 8IIppIem8llt the covenanta and lpeementa or this Security Il\II.rUment u if the rider(l) were e part 01 thiI
Security Il\II.rUm8llt.ICheck epplicable bol(.))
~Adjuateble Rate Rider ~ConclomjniUm Rider ~ 1-4 PemUy Rider
OracIuated PaJmlllt Rider Planned Unit Development Rider Biweekly Plyment Rider
Balloon Rider Rate Improvement Rider Second Home Rider
V.A. Rider Other(.) lapecily]
PREPARED BY: CYNTHIA MEAYER
HARft1S8UR8, PA 17112
BY SIGNING BBLOW, Borrower eccepta Ind asr- to the term. Ind covenanta contained In thia Security
=...,...,_.)_"...........~d: /
1/ ,~ - (s.J)
{AfE/ I DY E ER ..._..
fu J ~ "()1~ ~ ;/~.
ItJ. kAREN L. RESTER
()A:1.
(s.J)
...-
(s.J)
.Borra....
(W)
.~..--
c.rtlrlcata 01 Ruldeac:e
I, the .ub.criber, cynthia Weaver
ecIdn. or the wlthin"Jllmed Monppe i. 440
60061
, do hereby certily thet the c:ornct
North Fairway Drive, Vernon Rill., Illinoi.
W1m- my hand thiI
29th
daJol sep~mber ,1993 .
i~iL /. )~fJ.v~-.J
PIlANKLIN Couaty .a:
Atoa' at M... ~ I
COMMONWEALTH OF PENNSYL VANIA,
On thie, the 29th
orficer, permnally appeared
day or Septllllber 1993
Brady E Re.ter and Karen L Re.ter
, before me, the undenlped
known to me (or satisfactorily proven) to be
the penon a whoe n.m.. are subacribed to the within instrument and acknowledpd thlt they
encuted the 81m' ror the p~ herein contained.
IN~~OP,I hereuntoaet my hind Ind orricialseal. ~ I ~~~
My Co~I!!on Elplrea: ~ ~A'; JI'/___
'...;f".'. t~o1r:lIl 51.1
"toO... .
...... ';//.'!.':",'.. DA L McNEW. NOTARY PUBLIC ~....n/ ~ "-Xl ~~
: .J : :," Chambellburg BolO Fr.nklin Counly "-;~
: <: ~ " Tille 0' 0"....
: ..:. ~~.. commission exPires Cd. 20. 1993
. (;>.!.,... \' .
.-::~.J.t ...~'1:..
-"",:" t~.."."..:t\(r;,
.... .
'I" . .. .
XC'IO'lDAAI' .OJ
.... In, II.
rood16S PACE 190
,/
NOTE
LENDER'S I OS-02-32773
SEPTEMBER 2S, ISS3
ID...I
CHAMBERSBURG
lal,l
PENNSYLVANIA
15....1
~32 SOUIH FAYETTE STREET, SHIPPENSBURG. PENNSYLVANIA 17257-173S
IPropan, AcId....1
I. BOIIOWER'S PROMISE TO PA Y
In return lor eloan thet I heve received, I promiae.o pay U.S. S 71,250. OO----n-m-.-n---n{thls emount It called
"principei"), p1l11lntereat,to the order olthe Lr.nder. The Lender Is SEARS MORTGAGE CORPORATION, AN OHIO COIlPOlIATlON
, I undentand
that the Lender mlY tranater this Note. The Lender or Inyone who ..ltea thll Note by tl'llUlter Ind who Is entitled to naaiva
peymen18 under thll Note Is called the "Note Holder.'
2. INTEREST
10""-' will be cherpd on unpaid principal until the rull amount 01 principal hu been paid. I will pay In.... st e
yearly nte 01 --000-----00-00-7.5000"',
The In.... nte required by this Section 2 Is the rate I will pay both before end alter sny dellult de.cribld In SIatIon
6(B) oIl111t Note.
3. PAYMENTS
(A) Time SDd PI_ of Psymnlll
I will pay principal and In.... by makin, payments every month.
I will mw my monthly paymllltll on the FIRST day 01 each month beainnin, on NOIlE..R I ,
1913 , I wlll meb "- payments every month until I heve paid III 01 the principal end Intereat aad IIlJ otller
chatpa decribed below that I mey owe under thll Note, My monthly paymentll wlll be Ipplled to Intereal before priDCipal.
If, on OCTOBER " 2023 , I still owe emounts under this Note, I will pey ttu.e ImOlllltll In full on
that datil, which It ceJled the "Maturity Date."
I will make my monthly payments at UO NORTH FAIRWAY ORIVE, VERNOM HILLS, ILLINOIS 60061
(I) AmouDt of MODtllly PaymeDIII
NJ monthly peymant will be In the smount 01 U.S, S 4SB, ISnmm-____m,
4. BOUOWa'S RIGHT TO PREPA Y
I"va tharlaht to mw peymantllol pcincipeletany time before they Ire due, A JlIyment 01 principel only Is known.s
"prllllymllll." When I mw e pnpeyment,l will tell the Note Holder In wrltln, that! em 110I11I80,
I may mw s lull prepayment or penlel JnPIyments without pa)'in,eny pnpeyment cherp, The Note Holder will we
ell 01 my prepllments to rilcIuce the emount or principal thet I owe under thll Note. Ir I make e penial prepaymanl, than will
be no chaft... In the due date or In the emount or my monthly payment unl_ the Note Holder 1...- In wrldlll to ~
chen...
5. LOAN CHARGES
Ir ellw, which eppJlea to this loan Ind which aeta mllimum loan cherps, II finally Interpreted 80 that the In.... or
other loan charps collicted or to be collected In coMec:tlon with this loan erciled the permitted Ilmits, then: (I) IIlJ auch loan
charp ahell be reduc:ecl by the emount n_ry to reduce the cherp to the I1I"'Ilnad limit; and (II) eny IIUINI a1l'18dy
coJlli:tedlrom me which e.c:aeded permitted limits will be refunc1ed to me. The Note Holder mey chooae to meb thlarefund
by raducilll the principal I owe under this Note or by mlkln, I direct payment to me. Ir e relund redUCIB principal, tha
reductlllll will be ""tail.ellUll~~yment.
6. BOUOWa'S FAILURE 10 PA Y AS REQUIRED
(A) Lala aw,e for Ovardlll hymeD"
II the Note Holder has not raved the lulllmount or Iny monthly payment by the end or 15 calender da,. after
thedats It Is due, I will pay elltscherp to the Note Holder, The amount or thecherp will be---n----.-----oo!l.OOOOS of
m, overdue pa,ment or principal end Interll8t.1 will pay thilllte cher,e promptly but only once on each lete peyment
II) o.feult
II do not pay the fulllmount or each monthly payment on the date It Is due,l will be In derlult.
Ie) Notice 01 Defeult
111m in c1crlult, the Note Holder may send me I written nolice tellln, me thlt II I do not pay the overdUlemount by e
ceNln date, the Note Holder m.y require me '0 pay immecllltely .he rull Imount or principal which hu not been peld and
or st e different p1_ if required b, the Note Holder,
-.nITA'II fI_ IA'II 1IIII-IIotII ,...lIy ''-1. ....,,,..... ... ""',......
.... 1 " .
__-11I111111.. XCJIOODAM ,01 v.... MORTOAQI 'ORMI ' IJlaJIJ'IIOO ' 1_111'7111
PMI CEftl1 - 7440251 PMI COMPANY - MORTGAGE GUARANTY INSURANCE COMPANY (MGICI
EXHfBIT'G"
'.11 the in~ thetl owe on that~. ,.mnt, That date mU3l be Itleut JO daya Irl&, .ne date on which the notice is delivend or
'mailed to me.
ID) No Welver By Note Holdlr
Bvwn II, Itetime wlwn 11m in deleull, .he Note Holder doea not require ml to pay immedlltely in full. cleacrlbed
ebovIl..the NOle Holdar will atlll have the riahtto do 80 in 1m in deleuhau Iller time,
lIS) Payment of Note Holder's Caeu end E.~n"l
f \he Nole Holdar has ~red me to pay immedlltely in full. described lbove, the Note Holder will have the rift.~
be paid beck b, mafor ell of iu COlla end e.~ in enforcin.lhil Note to the Iltent not prohibited by Ippliceblllew.
I.JI8Il8IIIlnclude, fornampls, ~ble enomlya' rll88,
7. GIVING Of NOTICES
UnI_ Ippllceblelew requil'llle different method, Iny notice thet muat be liven to me under this Note will be livwn b,
deliverin.1t or by mailllll it by fim cl.. mlilto me st the Properly Add~ ebove or ete differen.Iddte.If I live the Note
Holder e ilotloe of my c1irr_uddrea
An, notloe that mll8l be liven to the Note Holder under this Note will be Jiven b)' maililll it by fim c_ meilto tile
Note HOlder et the Iddt.....,.tedln Section 3(A) eboveorluclifrerenteclcln. ifllm liven e notice or thetclirr_"..w _
8,OBLlGA liONS Of PElLSONS UNDER THIS NOTE
If more lhen one pII'IIln aiplhla Note, each pIIWOn Is fully Ind permnelly obllpted to keep III of the prom'- made I.
thla Note,lncludilll the promi. to ply the full amount owed. Any penon who is e CU'!'l!tor, BUret)' or ~ of lhIaNote
is el80 obllpted to do U- thInp. Any,per8O!I who tekea over lheae obllptlone, .ncludilll tile obllptione of . .-tor,
aunlJ' or endoI... or lhIa Note,ls el80 obllpted to keep III of the promi. made In this NOli. The Noll HoIdar ma,__
ile ripita under lhIa Note epill8l each peraon individually or lpiM III of ua topther, ThIs m_ thateny one of.. me, be
"*l\I!red ~J ell of tile emOUIIlll owed under lhIaNote,
9. W AlVBIII
I end an, other pII'IIln who has obliptiona under thil Note weive the riahta of ~tmentend notioe of~.
"~tment" m_ tIlerilhtto require the Note Holder to demand payment ohmounta due. 'Notice of cIiahonor" m_
the rilhtto ~l'Ithe Note Holdar to live notice to other pereona thetemounlll due have not been paid.
10. UNIPORM SECURED NOTE
ThIs Noll Is e uniform inatrument with limited vlriltiona in 80me juriaclictionLln addition to the pro.tecti-li_ to
the Note Holder under lhIa Note, e Monp.., Deed of Truat or Security Deed (the "Security lnatrument"), dated tile lUll.
date II this Note, ~.. tile Note Holder from poeeible I~ which miaht r.JItlf I do not ~ the prom'- wbleb I
make In lhIa Note. tlllcurity lnatrumentclealb-. how and under what COnditions I mey be required to make Immacliate
payment in full of ell em_tel OWl under lhIaNota, Some of lhmeconditioneU'lcleeeribed II follo_
Tnuler oldie Pa___l, or a Ineflclall.u.... I. Borrower. If ell or IIIJ pen of the Pr~t, or IIIJ
Inlll'lllt In It is aoId or U'aII8f.,..s (or if I beneticiellnlll'lllt In Bonower is aoId or trenlit.,..s Ind BorTo.. ia IIOt
ellltura1 penon) widlautLender's prior writl8n~.. Lender mey, etltaoptlon, requil'llmmedilte ..~ In
full of ell auma IIU..ad b, lhIa IieGurity IlWlrUmenl. Howaver, lhIa option eheJl not be enrciaed b, if
--I. pobIbitedby federalllw II or the date of lhIaSecurity IllIlrumenl.
If LaDder...a-lhIa option. Lender eheJl live Borrower notice of ecceIeretlon. The notice eheJI proyide e
period of not 1_ tban 30 de,. from the date \he notice is delivered or mailed within which Borrower muat pa, ell
IIUIIIlI eecund b, lhIa Sacurity Inr.tUmllll.lf Borrower faillto pay U- sums Jl!ior to the e.pintlon of lhIa period,
Lender mey Invob en, remecli. permitted by this Sec1Irity lnatrument w.thout further notice or demend on
Borrower.
WJ1'NBS THEHAND(S) ANDSBAL(S) OPTHE UNDERSIGNED,
f3t,q~ .~':~ ,if(i....ti-II"k..
SSN: SSN:
(Seal)
(....)
-Ilern_
SSN:
(....)
.Ilern_
SSN:
-Borro..,
'Ul'O'l'lIECl\DERor. " "'1.0"".., 0.'"
_ -Ill"...... X~DAAI.1I2
,... I .. I
IlELCI J. 11Yl<.\
. .......' ...
SEP-21-95 THU 15:35 PR.ED~.J~~U qJ~~~u.... FAX NO. 717"?16116
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1M TANI' 'IW.IAII INPORMATlON:1'Or .1Ch _11IIII/11 IIIICIIItIDW,
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fIIIt 1 . ICtpI By _rdllll OfIlCI .
EXI-IIBIT"t"
-,
)
,
-,
Juu 17, 1995
PNCMORTGAG
PNC MORTGAGE CORP. OF ANIE"'C'
P.O. 110II 0210III
MIami, FlorldIl 33102
liar ell L ~Ieater
432 South Fa~ette St
Shippenaburg, PA 17257
Toll Fre. Numberl
1-800-736-9090
8100 a~ - 5100 p.
AppendiX A
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
The COlftmonw.alth of Pennaylvania' Ii Homeowner 'a Ellerg~ncy MOl'tgalle
Afosistance Prollrall may be able to help :r'ou, Read thE' followillg notice
to find out how the prOllram works,
If you need lIore inforllation call the Pennsylvania Housing Finance
Agency at 1 (800) 342-2397,
La notiticacion en adjunto ea de su.a importancia, pues afecta su
derecho a continuar vivien do en IoU casa, Si no cOllprende el contenido
d~ eata notification obtenga una traduccion illllediatamente llallando
esta a?uncia (Pennsylv~ia Housinll Finance Allency) ain csr~os al nUllero
me~cionado arriba, Puedes ser elegible pars un preatallo por .1 progra..a
l13mado "Homeowner'a Ellerllency Mortgage Aaaiatance Program" el cual
ruede salvar au ca~a de la perdida del derecho a redemir su hipolDca,
ACT 91 NOTICE
IMPORTANT I NOTICE OF HUHEOUNER'S EMERGENCY MORTGAGE ASSISTANCE pROGRAM
PLEASE READ THIS NOTICE,
~
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE YOUR HOME
FROl1 r:llRECLOSURE AND HELP YOU MAKE FUTURE hORTGAGE PAYMENTS
Datel June 17. 1995
REI Account No, I 0090232773
TO: Brad;.- E HestlH and Karen L Hester
F"OMI "NC Mortllaqe C:or'p. of America
'ou ~a;.- be ~linible fur financial aS5islance that will prevent
for~~I~~ure of your mortqage if you comply with the proviSions of the
1I01l1"'WOnol'r '5 Emltl'llltnCY Mort,qage Assistanc"" Act of 1983 (the "Act").
You mal be eligible for emer~encv temporary aaai5tancv if your deflult
ha. be~n caumed by circumstance5 bewond your control, you hsve a
rRa~onable pro~peet of re5umln~ your mortga~e paYllents, and it you
we~t other eliqibilitr r~quiremeul5 established by th& Pennaylvsnis
Houain~ Finance Alleney. Please read all of this Nutlce, It contains
an explanation of your rights,
EXHIBIT'~I'
'-'
paR. 2
0090;!32773
PNCMORTGAG
I'NC MORTOAQI~. OP AMlIllC.
p.o. loa oatGIlI
........ P'IoIIda snell
Under the Act, ~ou Dr~ ~ntitled to s t..por.ry stay of foreclosure on
~our qort~ag. for thirty (30) days fro. the dst. of this Notic.,
During that ti.. ~ou must arran9~ .nd attend a "fac.-to-fac." ~.~ting
with a representative of this lender, or with a d..i9nat~d consumer
credit cous.linn .nenc~, Th. purpose of this m..ting i. to Itt.mpt to
work out I r.PI~ment plan, or to oth.rwi.. ..ttl. your d.linqu.nc~,
Thh 1I..Ung Blust occur in the n.xt (30) da~s, If yOU att.nd II f.c.-
to-f.c. m..ting with this lender, or with a con.um.r cr.dit coun..ling
agenc~ id.ntified in thia notic.. no furth.r proc..ding in morts.A.
for.clo.ure m.~ take place for thirty (30) d.y. .fter th. date of this
meeting, The n.... addre... and tel.phon. numb.r of our r.pre.ent.tive
i.,
PNC Hortgag. Corp, of Am.rica
8240 NU 52 T.rrac., Ste 405
Hi..i, FL 33166
Tel.pho n. NUI.ber I 1-800-736-9090
Th. n.... and .ddr..... of d..ignat.d conau..r credit coun..linA .Aenci..
.r. shown on the sttached sh..t, It i. only n.c...arv to sch.dul. on.
f.c.-to-flc. 1I~.ting, ~ou ahould advi.. this l.nd.r illll.di.t.l~ of your
int.ntion.,
Yo!." n.ortgage is in d.f'Dult beciluli. ~ou have failed to I'DY PI'oh,ptly
instlllq~nts of principal and int~rest, IS required, for a p~riod
of .t l.ast sixt~ (60) days. Th. total IlIount af the d.linquenc~
i. . 1,944,64, This sum includes the followin~1
HOhtha P..t Du., APRIL.MAY,AND
Lat. Charg. ABlountl
R.t"rn Ch.ck F..lil
Miscel1an.ou. Fe.sl
JUNE
75,64
,00
,00
a
If ~ou have tri.d and ar~ un.bl. to resolve this probl.m .t or .ft.r
your fac.-to-face meeting, ~ou have the ri~ht to .pply for financi.l
aSsllit.nce froll the HOII~owners Em~rg.ncy Mortgage Asaistsnc. Fund, In
ord.r to do thi., yoU must fill out, sign and file a co~pletod
flon,&-owner' s Ellerg.n.:~ Allsishnce Applicltion with one of the d..iAn.t.d
con~u~~r ~redit counseling agencies listed on the attsch81..nt, An
application for assiatance !lay onl~ b. obtsined from a consum.r credit
couns~ling a~en~y, The consumer credit counseling 19~nCy will a.sist YOU
in filling out your applic.tion .nd will submit your completed
application to the Pennsylvanil Housing Finlnce Agency, Your apPlication
must b. fil.d or Fostmarked within thirty (30) day. of ~our fac.-to-f.c.
ml!~ting.
DH3;!3
/'\
-,
Ju nlt 17, 1995
PNCMORTGAG
Brady E H.lIt.r
PNC MOIITOAOE COIlP. OF AMEAlCI
P.O.lIoI 02I0IllI
loIlemI, flalIda ~'1l2
~32 South Fav.tt. st
Shipp.nsbur9, fA 17257
Toll Fr.. Numb.rl
1-800-73/, -9090
8100 M~ - ~IOO P.
App.ndix A
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
Th. Commonw.alth of P.nn~ylvani.'s ~o~.owner's Emerg.ncy Mortgall.
As.istance Pronr8m may b. able to h.lp you, R.sd the following notic.
to fiod out how the program works,
It yOU n..d mar. information call the P.nnsylvani. Housing rinanc.
Ag.ncy at 1 (800) 3~2-2397,
La notitic.cion vn adjunto .s de sum. i.portsnci., pu.s at.ct. su
d.r~cho a continu.r viviendo en ~u c..., 6i no compr.nde .1 contenido
d. ..ta notiticstion obt.nna un. tr.duccion im..distam.nt. lla.ando
.sta agencia (P.nnsylv~ia Housin~ Fin.nc. AII.ncy) sin Clrll.S al nu..ro
N.ncionado arrib., Pued.s ser el.gible par. un pr..t.mo par .1 progr...
Ilamado "Hom.owner'. E..rllency MortQag. As.i.t.nc. Progra." .1 cUll
r~.d. 6alvar au ca68 d. 1. perdida del derecho a redemir su hipotec.
ACT 91 '~OTICE
IMPORTANT I NOTICE OF HOMEOWNER'S EMERGENCY MOR'rGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
-
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROi1 r:ORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Datel June 17, 199~
REI Account No, I 0090232773
TOI Br.dy E H.st.r and Karen L He~ter
FROM I PNC Mo rtllaqe Co rp. of Am"r ica
You may be eliqible for financial .ssistance that will prevent
foreclo5ure of your mortll8ge if you comply with the provi.ions of the
lIolllewuner's ElIcfrflency Mort~la~(f As.istance Act of 1983 (the "Act").
You m~y b. eligibl. for emergency temporary Ms.i.tenc. if your d.fault
has b.en caused by circumstances beyond your control, YOU hsve .
re.son~ble prospe~t of r.sumin9 your mortgage p.yments. .nd if yoU
meet other .linibility requirement. established by the Pennsylv.nia
Housh\! Fin.nc. Agency, Pl.... r..d all of this Notice, It contains
an explanstion 0' YOUr rights,
PI,.. ::! ,")
0090232773 ,
..
PNCMORTGAG
I'NC MOIlTOAOE CClfIII. OI.W~
P.O. .. CI2IClII
MIeni,I'1artda 331112
Und.r the Act, ~au sr. entitl.d to s t.mparar~ st.y of foreclosure on
your qlrtpage far thirty (30) day. tro. the date of this Notice,
During th.t ti.. yOU mu.t arrsnge and sttend I "tlc.-ta-tace" .eeting
with ~ r.presentative of this l.nder, or with a d..i9n.ted can.u..r
cr.dit cluseling agency, The purpI.e of this me.ting is to atte.pt to
work out a r.paym.nt plan, or to oth.rwi.e settl. your d.linqu.ncy,
This me.ting mu.t occur in the n.xt (30) dsys, If YOU att.nd s t.c.-
to-fa~Y m..ting with this lender. or with a consu.er cr.dit coun..ling
agency identified in this notice. no furth.r prac.eding in m~rtg.g.
foreclo~ur. may take place for thirty (30) days after the date of this
meeting, The nane, address, and tel.phone number of our repre..ntativ.
i.,
PNe Mortgage Corp, of Anerica
8240 NU S2 Terrlce. St. 40S
Hi.mi, FL 33166
T.lephone Numberl 1-900-736-9090
The n.... and address.s of design.ted consumer credit caun.eling a.encie.
ar. shawn on the attsched sh.et, It i. only necessarv to schedule one
f.ce-ta-f.c. m.eting, You should .dvise this lender inmediately of your
intention.,
jour lliortgoAe iB in default because vou hove failed to pay pro~ptlv
inst~ll~Ents of prlncipal and interest, as required. for a period
of at least sixty (60) days, The total amount of the delil,quency
is . 1,944,64, Thi. sum include. the followingl
Months Pa.t Duel APRIL,HAY,AND
Late Charge Amountl
Return Check Feesl
Hiscellaneous Feesl
JUNE
75,64
,00
,00
-
If yoU have tried and are unable to resolve this problem at or after
your f3ce-ta-face m.etinq, yoU have the ri9ht to apply for financial
a.sistance from the Homeowners Emergency Hortgage Assistsnce Fund, In
order to do this, yOU must fill out, sign and file a completed
t1ollleowller's EIIl.rglPncy Assistollce Application I~ith one of the dllsign.ted
con~u~~r credit counseling aqencies listed all the attachment, An
~pplicatlon for assistan~e may only be obtained trom a consumer credit
counsuling agency, lhe consumer credit counseling ag.ncy will ..sist YOU
in filling out your applicatian and will submit your completed
appli~ation to the Pennsylvania Housing Finance Agency, Your application
musl be fil.d or postmarked within thirty (30) deys of your face-to-f.ce
meetinl,1,
DH323
1 T' 'C' . C -i . C " ., ? I .
n ne .ouri' or .:mmon, i'" e:s or :.Jl":::"-:"lt'l:nQ I"..::r.::-;~'Y, , snr:sY'lI::%':I::
Federal National Mortgage ^ssoc. c/o PNC Mort Corporation of ^merica
'is.
Brady E. Hester
:-fo.
q/;-111 Civil
Tprm
----.
::..-
:-few,
March 07. 1996
:9_ !. S~~~ 0;:' C~G~.!..A.'m COt.;{":'Y. ?OL. ca
h:::by cL-;:u= th: S=E oi
Franklin
C~u:t'I ~ =:::-':t: =.is ',V:::,
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COSTS
::4.0~y"'IC:Z
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In The 'C.ouri' or C.:mmon ,Ple:s or C:.Ji',::"-::ilt'l:nd C.::r.::-;~'Y, ?snr:syl'll::r:i::
Federal National Mort. ^ssoc. c/o PNC Mort Corporation of ^merica
'is.
Karen L. Hester
:-io,
q/;-113 Civil TF.rm
'C
---, .---
~ow, March 07 , 1996
:9__ !, S~~::' 0:::' C~G::.?.!.A.'lD COt.~':'YI ?o\." ca
=:::by c...::u= t!:: Se::E oi
Franklin
Cwl1:ry :~ ==-':t: :.:is '.V:::.
=:s d.::u== :~~a' -"'..:. U :.h: :-:::u= ::d :::k oi :.!:: ?!~=r.
,-" .
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r_.~
.
SHERIFF'S DEPARTMENT
157 LINCOLN WAY EAST, CHAMBERSBURG, PENNSYLVANIA 17201 (717) 261.3877
--~OC~~~;~~~~p\~~:~S:~~h~~IT OF RETURN r~~~I:~I~:~~~~~:I~ ~~~I~~~J:~~r-;J;I~~~~~ PI";;;;VP8 or prlnl
1 PIANmfIS'---- - ..... ~.i:(iiiIIINiiMili.IT---.. -----.--
Federal ~a.tIo!l<!LM."r.~gage AHHOC iation 96-113 _ p_ .,________
:\ llErENllANTlUI 4 IVPlOI Willi Oil COMI'I AINI
Br.a_~L&_KlI!-"!l_lI,,'!t-"!:.__h un ..__ . . .. .. .. Complaint in__Mtg._for.l!c:loHure
SERVE {b NAME- OJ INlJIVlIllJAI. CtlMI'M,y UJlH'llIlAIII)tj I 1(. '.0 ~,IIIVIt.l tJllllI ~iClUl'IION()1 111101'1111 Y 111111 II VII () AllACllI 0011 !iOl U
. 6. AllDlIEUS 1~1f;~;1~.tri~~;.:~i~".~,IJ~~,~e(~I' n,;", IWI'~;i~i;;.;i,;;illl'i:;;;h~."h--------._--
AT ______B!!.2J),_Ft_._l,o.udpn_Rd., MercerHhurg, 1'0,17236 .________________
7, INDlCAIE UNUUUAI UEIlVIC[ II COMMON Of I'A 11 DE I'll IIII' 11011 II II
Now. 10==:-,: siiEnlFr ()rrllANKLlN-<;(JUN TV, I'A ,do ""'I!hy dnpl!lIlU IIII! Sl'-,;r~ioi.' - _.__on_____o__
"h_ .___,__~~_ Counly 10 ll.IltlCutll lllia Wrll Uflll mnku wlurn Ihmnol nceordlllU
to law. This dcpulntion boing rnildu 1111110 HH1UIHil and r1~k of III I! plillllhlf
II, SPECIAL ..S1llUCl1ONS OR OrnER INFORMATION -THAT-WILl. AssisTi;j EXPEOITING SERVICE:
'~IUUll.UJN~'1t.u"'.uJI.lbr,
Return to Cumberland Countl Sheriff ..____..__
HOlE ONlY APPIIC-'81 E ON WRtT OF EXECUTION: N.B. WAIVER OF WATCHMAN-Allv "t~pllt... stuHlflluvVIIlU UI,OIl 01 allachillU any plOlJerly under
within writ may kJaVt' snmo without n walchman, III CUSIOd\ 01 Whllllh'Vl'1 1:. ItlllllllIllPOS'jl'SIIIOIl. nller nolllYIIlU Imf!IClJl or Icvv or allnchmenl. without
Iiabilitv on ,he pari 01 such dt!Putv m Ihl! 5111'1111 10 ;.!!!YJ~~!!!.!!!I~!~!!.i!')YJ!l!'!'..IIl'!;lrlldll,!!~Q!..!!!!!~al III 1II1Y slJ(:hJ!!QIH!rlYJ..ll!lom stllHlfl's SlIltllhurnol
lI,lIlllHA11JRE 01 ATTORNEY nr olhOl ORIGINATOR. =ro. IEllPIlON.[ NlJMBEI1 Jll DATE
Make return payable to:
Shapiro & Kreismen ._.... _~~O) 695-9240 ._
12, SEND NOncE OF SERVICE COPY TO NAME AND ADDRESS DELOW: IThls alea musl be campletad II nallee Is 10 be mailed)
Southpoint Office Complex, 1160 West Swedesford Rd" Suite 350, Berwyn. Pa, 19312
SPACE BELOW FOR USE OF SHERIFF ONLY - DO NOT WRllE BELOW THIS UNE
13. t ocknovdodgu fOCUlpl 01 thu will' NATURE of AU~lflll'( CSD O.'puly Of elmk ilnd IllIn 1<1 Onln nl!Cl'IVt~d 15 Explrahon/Hcomng d,11o
Of complain' aslndtcnlud nboyu I . Ui 3-8-96 4-8-96
16. t hereby CERnfY nnd RETURN Ihnll 0 hlll/H personally 51'1 vt'd. 0 ha'VI' I;)'\lal t-!Vllh!flc~T fwrviCUlls shown In "ntHuarks", 0 huvn executed os shown
In"Remark5",lho wril or complainl descllbed olllh~ IntJivuluill. COI11P,IIlV. currlor,llloII, ulc. ill tho ndllmss shown OIllol/u or onlho Individual. company.
corporation. elc., 01100 nddrus5 insmlud below hV hilllilhnu iI TRUE and ATTESTED COPY Ihureol
17.111 hcruby cmtilv and rulurn n NOT FOUND hllCillJ!ie I nil) Wl<ltll.! lu IlJcah! lIlt~ IIldrVllhJ;Jl. cUn1pllny. corporalion. ulc. nnmmJ ilhovt!. (Set! remarks below)
18. Namo and IiIIc ollndividunlscrvlHJ (il not shown nbovt!) [10 A IM'11H11l III ","t,lhlt. .1'1" .11..1 .I,,,ul'I"IIIIIIO'"
1I!~..hno.J ,n 1110' 1"',I"I"I,lnlll U"IMI,lI.ICI' III
1llICMhllJ
20. Address 01 whero served lcompluln only IIIJ.lh.!ltml flliIn sllown ahoYI!) ISlmtJI or nFO. AIJiUlml!l11 No. ;> I 0.111' U' Ht'f'VI:l' 22. Time
City. Bora, Twp, Slnln nnd Zip Cadul
AU
,...
'"'
LUS'
23, ATlEIIPTS
lilies
40
Dep.lnt,
24. Advance Cosls
30, REMARKS:
refund
Subjects are not residing at the above address, their current address
is 432 S. Fayette St., Shippensburg. 1'0. 17257
Cumberland County
31. AFFIRMED nnd subscribud In tH!loU! ml~ Bus
N/A
so ANSWER.
:\4, dny 01
111
l~' ~'''1!\.11i1ll' III
r"'p!",I....t,t1
.1.1 Ualu
l~, :'~ll\.ll,,". ul :;10,'1111
.111 n.1111
:\7
1\,.t......''''''l..I.,..,''~ 1',1-0 -. _..~~~ ---'SHERlfF-OF FRANKij~"-c-OUNTY
M'tmIllJ!!I;'i5!Qt!EXPI[!EU __n_'__.__ _,._ _ .________ ..n __._______ _ _ 0 '___.____.
30, I ACKNOWLEDGE flECEIPT or TIlE SHERIFF'S RETURN SIGNATURE I
OF AUTliOflIZED ISSUING AUTtlOlllTV AND TITLE ,
It! 1l.lh. ,,," '~"'ll
rCso-1I1GG]
\, ISSUING AUTIlORlTY
-
SHERIFF'S DEPARTMENT
157 LINCOLN WAY EAST, CHAMBEASBUAG. PENNSYLVANIA 17201 (717) 261.3877
- ---~~ES~-~~~~f:i~:~ S:FRF~~~~IT OF RETURN @;~I~U~:~l~i~~~~l~~I~~~~~iFrl~~~;~~~I.II~~YP. :, print
I I'LAINllrFlS'--- - -ili,Cle,:~ - - ... 1;.i:iiiiii-rNliMflfll------ -
3DEf::~a:r~~-~lltJOIUl-l-tl!lJ:t8a8e .. .' I J . 4IYii[-~.f~M?.OII-I;OMPIMiT--------
Brady . lann H..ur Co.pla.i!'t_h~!l_~tl' rora~lo.un
SE.RYE {.:~~:_~~::'1I;~~:~~::::~11I~:;~~';11_'1"',' "V"""'~'~',II".IION~"'"1l1'1 iH~:"~"_ IIV:~'_ AI lACHtll 011 SUW
n. AUOIU::HS IHtr;~~~llll UfO, AIl,\I!lllt'1l1 N;l, Cily, nOlll, 'wp. ~;I;lhl mulllP r.(}Chl~,,,
AT_ 114~_~_rt,_l.<JIldC?n_RcI..LMercerllburg,Pa. 172. _______ _____u____
7, INDICATE UNUSUAL SEIlVIC[ U COMMON a. I'A () DEI'U IIzr II llltlEIl
_ "_.~ __.__..._.__,. "..___ ..-_n '.._. .___. ..
Now, 10__, I. SHERIFF OF FRANKLIN COUNTY, PA, do IIl!1llby dllpul;lIl IlIll SlIm,fI 01
_____~_______. Counly 10 1~)l;l!Cllh! this Wril and muko Hlturn 'huroot ilccordino
to law. This deputation bninu O1adu al tho ruqllHst and rit,k 11Illll! I)I,llnllll
.. SPECIAL INS1lIUC11OHS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDIT1NG SERVICE:
~!Ul!lLUI.J IlAl-.ItII~ll'tJtjry
bt_ to CUllbarland Count! S.~~iff _____________
NOTE ONlY APPt IC~IM f ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN-Any dvputy shmilllevym{J upon or nllilchillU any properly under
within writ may kmvo sumo wilhoul OJ willclul1i1n. 1I11.:U!ilodllll WhOllll'W'I is lOll/111m pOs51Jssion, IIl1m nolllYlng purson ollov)' or nllachmmll, without
liability on lho nart ot such dl!pulY or thl~ 5111'1111 h!i!!.!i:ll1.!!~!.I!J.!l!:~~!r.!Jlll ill!i'1!)!?_~~ th'!llrucllon O!1!!!!~~~:!!.!!~!1!!Y...E.!.!.c::h ro )tnl Imlme shmlfl's stile thureol
I._TURE 01 ATlORNEY 01 01110' ORIGINATOR =r:o !El.fPIIONE NUMREfl II DATE
Make raturn payabla tOI
Shapiro'lrai...n _ __ __(610~5-9240
12, SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: \This III" must IMl completed it nalice Is 10 be mailed)
Southpoint Offica Coaplax, 1160 Wa.t Swade.ford aI., Suita 350, Bervyn, Pa. 19312
SlW:E BELOW FOR USE OF SHERIFF ONLY - DO NOT WRITE BELOW THIS UNE
13.1 acknowlccJgo roccipl ollhu writ' 5 NATURE 01 AI(J~WI eso D.I!llUIY or Gft!rk and '111tl 1.' Onto RucmvlJd 15_ Expimtion/Heilnng dale
or complalnl aslndlclllcd nbovo, I, ' 3-11-96 4-8-96
16, I hereby CER1lFY nnd RETURN thi'111 0 have pmsol1i1l1y !Jl!fved. 0 have lenall!vltfl!nCH or smvicl!.m shown in "R(!OuHkr;', 0 hilvu ellt!culed 09 shown
In"Romarks", tho wrll or complaint dOSCflbod on the indIVidual. cOllllhllly, CorllOlillloll, ule., ill tlm iH.tlms5 shown al.JoVlJ nr on thn j,uJividu.JI, compony,
corporalion, otc., at thu address in:mrlod bolow by hilndlmu tI TRUE and ATTESTED COPY Iheroal
-- -------
11,11:1 herebv ccrUfv and rei urn II NOT FOUND 1.1I~cau:iLJ I Hill Ullill;ll! In localt! Iho llIt1lvuhJilI, cOlllpany, cOIpOlillion, ute., nilnlt!d nbove. (8m} remm"s below}
18, Name and title D. individual served III nol shown nbovul - . .------ 10_ A 1)('110111101 I>uII"hlt' "!I" ,lI..IIII!lI:"'I~lIllht'lI
m~lIlfl1l1 III Ihl' tllll.'IIII,11I1 S U'\IJolI pl,l.:n 01
ilht)llnll
20, Address of whero served (complulu only II dllfml'llt lh.m shown ,lhovL'\ (Slwel or UFO, Allaflnmnt No, [;.' I O,lle 01 Sm'lk:O 22 Tllnu AM
Cily. BolO, Twp. Slato and Zip Code I l:1t,
EUS'
Miles e~p Inl. D~J~~' Inl. r~"~rMiles Oep, In't Dsto Oop,lnt.
26 Notary eml 27 MlIllilU{! or fUIQIX 2U. Total Costs 29 COSTDUEOAftt:fUMJ
N/AAQ 11.20
23, lITlElIPTS
Milos
40
24. Advance Costs
9.00
20.20
29.80 rafwul
30, REMARKS:
Subjact. are nDt relli.ing at the abDve addresa, thair currant addraaa
i. 432 S. Fayette St., Shippensburg, P.. 17257
Cumberland &ounty
so ANSWER.
31. AFFIRMED nod suhscribed In IHJlom lilt! Ihls _..___1'/ ~---- ---".----.---------.-.---.-"------ -- ---.... ---1
I,' ~ "'. P '011 ,Ill' III .1.1 (lilll!
34.dayo' ~__l.!1_____ ~2~~___..~ _____.".._,... ____________".__~___,
1', :"'I".llw"..I!it..'nll .Iii 0.1111
37. 1""I..~~.."d.,.~"tH",I'_,'.. ----------- SHERIFF OF FRANk UN COUNiy--~-mm-.- -
MliQ"'MlsmQ/jf)(I'I!!E.s_____________u --- .. ... . . --
38, I ACKNOWLEDGE IIECElrr OF TIlE SHERIFF'S RETURN SIGNATURE I
OF AUTliOlUlED ISSUING AUTHOfllTV ANO TITLE I
... .-.. - -.----- ._-.-- --------ri,.-II~~:II.,~-;~~;'~I--
fCSO.111993
2, A 1'1 Onr,EY
..-
Federal National Mortgage Association
c/o PNC Mortgege Corporation of
America
568 Atrium Drive
Vernon Hills, IL 60061
PLAINTIFF
.
ln'tRUE COpy FROM RECORD
IIld :,monll WII~rool. I harfll/II!O set "'Y hMd
thl II $?d! 'Jt~J' ,! ltJr 011 r.;,1rllfJe Pi
't\ <l'~ \. "- '~{.
., .19~
' c - L
'- ~ A ~~o1h~n
---~,-j7U
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
/1, ~Ll C .....Jt '. 1>'-
NO: yG'"
/1 j
SHAPIRO AND KREISMAN
BY: NANCY A, WORTH. ESQUIRE
ATTORNEY 1.0, NO, 50596
SOUTH POINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (6101 695.9240
S & K FILE NO, 95.8571
Brady E. Hester end Karen L. Hester
432 South Fayette Street,
Shlppensburg, PA 17257
and United States of America
United States Attorneys Office
Federal Building, 228 Walnut Street,
Room 1162, Harrisburg, PA 171 08
DEFENDANT(SI
(") ", n
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"
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U1
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0
VI.
COMPLAINT. CIVIL ACTION
MORTOAaE FOI!ECLOSURE
NOTICE
YOU HAVE liEN lUED IN COUIIT, IF YOU WISH TO DEFEND AGAlNIT THE CLAIMI lET FOIITH
IN THE FOLLOWING PAGEl, YOU MUlT TAU ACTION WITHIN TWENTY lZOl DAYI AFTD TIll
COMPLAINT AND NOTICE AIlE IEIlVED. IY ENTEIIING A WIUTTEN AJIP!AllANCI PEIIIONALLY OIIIY
ATTOIlNEY AND FILIIICI IN WIUTINO WITH THI COURT YOUR DEfENIU Oil OIJECT1ONI TO THE
CLAIMI AT FORTH AGAINIT YOU, YOU AIlE WAP.MD THAT IF YOU FAa. TO DO 10 THE CAIE MAY
PROCEID WITHOUT YOU AND A JUDGMENT MAY . EHTEllm AOAINIT YOU IV THE COURT
WITHOUT FUIITHER NOTICE FOil ANY MONEY CLAIMED IN THE COMPlAINT all FOil ANY OTHER CLAIM
Oil RELIEF REQUElTED IV THE I'LAINTlFF. YOU MAY LOIE MONEY Oil PROPlATY Oil OTHER IIIGHTI
IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
17171 240.6200
SHAPIRO AND KREISMAN
BY: NANCY A. WORTH, ESQUIRE
ATTORNEY I,D, NO, 50596
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (6101 695-9240
S & K FILE NO, 95-8571
Federel National Mortgage Association
cIa PNC Mortgege Corporation of
America
688 Atrium Drlva
Vernon Hills. IL 60061
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO:
VI,
Bradv E. Hester and Karen L. Hester
432 South Favette Street,
Shippensburg, PA 17257
and United Stetel of America
United States AttorneVI Office
Federal Building, 228 Walnut Street,
Room 1162, Harrisburg, PA 17108
DEFENDANT(SI
Plaintiff, Federal Nationa' Mortgage Association. the address of which II c/o
PNC Mortgage Corporation of America. 568 Atrium Drive, Vernon Hills, Il 60081,
brlngl thll act/on of mortgage foreclosure upon the following caule of action:
" (al Panlal to Mortoaga:
Mortaaaee: Searl Mortgage Corporation
Mortaaoor/II: BradV E, Hester and Karen l, Heater
(bl Date of Mortoaoe: September 29, 1993
(cl Place and Date of Record of Mortaaqe:
Recorder of Deeds
CUMBERLAND County
Mortgage Book 1169, Page 185
Date: October 7, 1993
~
The Mortgage is matter of public record and is incorporeted herein 81
provided bV Pa, R.C,P, 1019(gl, A true and correct copy of said
Mortgage is attached hereto as Exhibit "A" and Incorporated herein by
reference,
(dl A8Iianments: None
2. Plaintiff Is, therefore, either the original Mortgagee named in the Mortgage, the
legal successor in interest to the original Mortgagee, or is the present holder of
the mortgage by virtue of the above-described Assignment(sl,
3, Each Mortgagor named in paragraph 1 executed a Note as evidence of the debt
secured bV the Mortgage, A copy of the Note is attached as Exhibit "S".
4, The real property which is subject to the Mortgage Is generally known as 432
South Fayette Street, Shlppensburg, PA 17267 and Is more specifically
described as:
ALL that certain tract of land, being Improved with e single family
dwelling house and various out buildings, situate in Shippensburg Township,
Cumberland County, Pennsylvania, more particularly bounded and described al
follows:
ON the East by the Shlppensburg-Mainsvil/e Public Road; on tho South
by lands now or formerly of H, H, Hay; on the West by lands now or formerly
of Howard H. Hay; aDd on the North by lot now or formerly of Fritz Gleim; said
delcribed lot haVing a frontage on the said Public Road of 80 feet and an even
depth from the center of the Public'Rosd of 250 feet to the Isnd now or
formerly of Howard H, Hay, aforesaid,
BEING known and numbered 81 432 South Fayette Street, Shippen Iburg,
Pennlylvania. Being further delcribed as Cumberland County Tax Parcel No.
38-352388-039 on the tex aSlessment records of Cumberland County,
Pennlylvanla.
BEING the same premises which John Baughman and Martha I. Reed,
Co-Executors of the Esteto of Cora B, Baughman, Deceased granted and
convayed unto Brady E, Hester and Karen L, Hester, husband and wife by Deed
dated September 28, 1993 and recorded In the Office of the Recorder of Deedl
for CUMBERLAND County on October 7,1993 In Deed Book 036, Page 677.
6, The Name and mailing address of each Defendant is: Bradv E. Hester and Karen
L. Hester, 432 South Fayette Street, Shlppensburg, PA 17267 and United
States of America, United States Attorneys Office, Federal Building, 228
Walnut Street, Room 1162, Harrisburg, PA 17108,
'.0._.._ _.. l
,/
6, The Interest of eech Individual Defendant Is as Mortgagor, Real Owner, or both,
7, Tho United States of America ("USA") is a Defendant by virtue of a judgment,
lien, or other Interest In the Mortgaged Property. Evidence of the USA's
Interest is atteched as Exhibit "C"
8, Tha Mortgage Is in default because the monthly Installments of principal and
Interest and other charges stated below, all as authorized by the Mortgage, are
due as of April 1, 1996 and have not been paid, and upon failure to make such
payments when due, the whole of the prinCipal, together with charges
specifically Itemized below are Immediately due and payable.
9. The following amounts are due as of DECEM8ER 16, 1995:
Principal of Mortgage Debt due and unpaid
$70.304,69
Interast currently due and OWing at 7,500% per ennum
calculated from MARCH " 1995 at $48,82 each day
Late Charge of $24,90 per month
alBeBled on the 16th of each month
$14.206.62
Attorney's Fees
$225.06
1800,00
TOTAL
.
$ILUUZ
10. Interast accrues at a per diem rate of $48.82 for each day after DECEMBER 18,
1996 that tha debt remelna unpaid, and Plaintiff may incurr additional attorney.
fee., as weill' other expense., cost. end charges collectible under the Note
and Mortglge.
", The originll prinCipal blllncl of thl Mortgage exceed. Fifty Thousand Dolllr.
($60,000,001, Accordingly, Notice of Intention to Foreclo.e pursuant to 41
P,S. I 403 i. not required,
12, Notice puraulnt to the Homeowners' Emergency Mortgage A..lstance Act of
1983, 35 P,S. I 1680,402c, tiug" walSent to each Individual Mortgagor by
first-class m.lI, Copies of the Notice are attached hereto IS Exhibit "D"
, ~
TOOETHER WITH all ",Iprovemen.. no. or haneflel' Cl'W the ~y, and all ~..
apput1el\lllC:el and flrtut1ll no.~. llenaflet a pan of the propany, All tcplac;.,lI,enla and addlliOlll thlll a110 be llOYIl'Ill
by thi. SecurilJ IlIIttUmenl. All of the foreaoin, i. relerred 10 in thi. Security IlIIIl\Imentu the oPropeny,O
BORROWER COVENANTS thaI Borro.er ia lawfully aeillld of the CIlllte hereby CORveyoel and hu the riabtlO
mort...., JI'Int and convey the Property and that the Property la unencumbetocl, ereept for en<:umbnnc:ea of record.
Bomi.. wamn.. and .111 cWend ,eneraJly the title 10 the I'roperty .pinst .11 claim. and demanda, subjec110 Ill'
mcumbnllCel of reoorcl.
11fIS SHCUIUTY INSTRUMENr comblnea uniform covenan.. for nationalllllll .nd non-uniform coYelllnIl.lth
limited Ylri.tiOl1l by iuriadic1lonlO COClItitu.. a uniform IllCUtity iflltl'Ument coverin, real property,
UNlPORM COVENANl'S. Botrower and Lender covenant and.1te' u loll OWl:
I, Payment of Prlncipal..dln..r..t; Prep.ymeot aod Lete Char,.., Borrower .hall promptly pa, .hen dill
the principal of and inlelWl on the debt evidenced by the Note .nd any prepayment and late charlea due under the No'-.
1 Fua'" for T.... ..d la.unoCl. Subjec110 applicable I.. or 10 a "rillen waiver by Lender. Bonow. ahaIl
pallO Lender on the cia, monthly paymenla .re due under the Note. until the Note ill paid In full, . .um (oPundaO) for.
(a) ycarty ...ea and -men.. which may .nain priorilY over thi. Security IlIIIl\Iment u allen on the P'0pe.11. (b)
yearly '_hold paymen.. or ll'Ound tenia on the Propeny, if any; (c) yearly huard or property IlIIUran<:e premluma;
(d) ycart, nood illllll'lllCe premium.. il any; (e) yearly monpp illluraRCe prwmium., if any; and (f) any IUm. parable
by Bono.er 10 lAndar. in accordanoe with the provisiolll of parall'lph 8, in lieu 01 the payment of mortpplllllftlllll
premiuma. n- ilema 11'I called .&cro. 11em.. . Lender may, .1 any lime, collect and hold Funda in ao .mOUllI not
10 elCllld the muimum amOl.llt . lender for a federally relalocl mon.... lOIn m.y require for Borro.... eao.
IOOOl.IIt under the federal Real &tete Settlement ProcecIurw Act of 1974 u amended from time 10 time, 12 U.s,C,
Sectioa 3601 <<MI. (ORESPA 0), unJ.. IIIOther I.w that.ppli.1O the PuncIa... al_ amounl.lIlO, Lendar ma"
at any time, collect and hold Punda in an amount not 10 ere>eed the 1_ amounl. Lender may estimate the .mOUllI 01
PuncIa due on the buia of currenl dell and reuonable eatimalel 01 erpendituna of future Eacrow 11em. or othenri. io
accordanoe with applicabl.'aw. ,
Tba PuncIa WlI be held in 10 inatitution woo. depoeila are illlllrocl by a lederaI apncy, illlttUmentalilJ.ounlilJ
(includil\llAndar.lr lADdIlr i. auch an iMliMion) or in any PederaI Home Loan Bank. Lender .hall .pp1y the Punda 10
pay the Eacro. IIIma. Lender m.y IIOt charp Borrower lor haldin, and applyinlthe Puncla, aMUIIly IIlIIYJlI\I the
eaao. IllOllUII!, or YWirril\l the Eacro. Item.. unl.. Lender paya Botrower jnlerwl on the Punda and .pp1icable".
~i. Lender 10 mate auclt . charp. Ho.ever, Lender m.y require Borrower 10 pay a onnim. charp ror an
IDdc.-....t,... lICe.. III nponilll-mce ...s by Lender in OllfIIleCtion with thI.IOIII, unJ_ appllcablel.w proYidaa
otbenria. UnI.. an .pwment ill made or applicable la. requi.... inlel'llt 10 be paid. Lender WlIIIOI be requirecllO
pa, Bonow.. 10' in.. or earniap on the Pllllda. Bono.... and Lender may alte' in .rililllo howeVll', thet inlll'llt
ahall be paid OIl the Puada. Laadar IIIIJI pve 10 Borrow..., .ithout char.., an lMuaJ IllOlll.lllin, or the Pundl, ..il\l
cndillllllll4ebillllO the Punda and the ~ ror which _h debit 10 the Punda wu made. The Punda 11'I pJadpd .
addIti-r -.:url1J ror lllaumllKllnd by thiI Security IllIttUmenl.
II die Punda held bl Lander erceact the .mol.llla permitted 10 be held by applicable law, Lender ahaJl _110
Bono.... for tha e_ Punda io ~ with the requiremmla or applicable/a.. II tha amol.llt or the PuIlda held
b, lADdar 11 an, time illlIOt IIlricientlO pay the Eacrow IIemI when dill, Lander may 10 notiry Bonow. In wrllilllo
.114. in auch - SolliG_. ahaJl pa, 10 Lender the .mount n~ 10 make up the deficiency. Borro.......1I mab
up the dellcilftC)' In 110 mOC'l thao Iwelve monthly paymenll, at Lendar'.IlII. diacretion.
Upon paymant in rull or lllaum. aecured by \hi. Security lnatrummt, Lender ahaJl promptly refund 10 Borro..
any FundI held by lAndar. II. UDder pII'IltIph 21, Lender WlI acquire or .11 the Property, Lender, prior 10 the
acquilition or aI. 01 the Propa..,,1IIIJ1 .pp1y any Puncta held by Lender al the time or acquiaition or aI. u a credit
.pi.. tbelUlllllICUI'Id by thils.:u.;1J IllIttUmenl.
J. Applleall.. of PI,mIDII. UnI_ .pp1icable la. provldaa othenrl., all paymenla reoelved b, Leader under
......... 1 .... 2 abIIl be apptI.l: fim. 10 .ny prepayment charpe dill under the Note; aeoond, 10 ""_III parable
UIllIar ~ 2: 1Ilird, 10 10__ due; fourth, 10 pnncipai dill; and Iut, 10 an, lall char... dill under the No...
.. aerpa; L..... Borro... ahaIl pay 11111I... I n.enll, char... lillll and ImpoeitiOlll .nributabl. 10 the
I"rop.. C) which m.y .ttaio priorilJ OVll' thI. Security IlIIttUmenl, and I_hold paymenla or ll'Ound ran... IIIII)',
Borro.. .ltlll pay "- obli..IiOlll in the mlMer provided in pll'lJI'Iph 2. or ir IIOt paid In thel m.IIIIII', Sol.v..
.hell pay them onlim. cllrectly 10 the pIl'DOII o.oel paymenl. Borrower .haIl promptly rum/III 10 lAnder 1I11101i.. 01
.mollllla 10 be paid under thI. pII'IltIph, II Borrower m.lt. t"- paymenla directly, Borrower ahaJl promptly lumIah
10 Lender reoelpta evldencinlthe paymenll.
Borrower ahaJl promptly diacharp .ny lien which has priority over lhi. Security lnatrument unl_ Borrower: (.)
.pe. in wridn, 10 the paymenl of the obll,alion securecl by the lien in a m'Mer '~lIble 10 Lender; (b) CORleIII in
aood raith the hen by, or c1erencla .pillSl enforcement 01 the lien In, le..1 proceocllnp which in the Lender'. opin/on
operate 10 prevent the enforcement of the lien; or (c) secures lrom Ihe holder 01 the lien an .,reemenl satisfactory 10
Lender subordillltin, the lien 10 \hi. Security Instrument, II Lender detetmine8 th.l.ny pan 01 Ihe Property i. .ubjec1
to a lien llo'hich may .nain prioriI)' o\'er this Securitl' Inslrument, ~der m.y ,ive Borro,,'er a nollce identilYln, the
lien, Borrower .hall satiety the lien or like one or more 01 Ihe .clioll5 set lonh .bove wilhin 10 clays of the aivinl 01
noti~,
XClI070AA' ,0'
for. I~U/
1"1t1'1~~
q -6R.AJ 111011
'1,. J " .
5Gf t HiU f~Ct 18~
t^';I
5. l1allrd or Pro""ny , .a~, Borrower shall tllllp llIe improvl , IIOW ellllln. or herafW..... ~
the Property ill8llfOd epIll11l00...~y fi.... hlwdllncluded withia the t.enn '~~18lIded oovera.." and any otlllr huarda.
Includin. nooda or noodin" for which Lender requi... illl\nnce, nul IlIIUrIIlClI ehllI be maintained In the amllllrl.
and for the periocle thlt Lender requi..., The illl\ltance carrier provldin. the IlIIU'IlICC eIIllI be c~ b, Borrow..
aubject lO Lender'a Ipproval which ahlll not be ullteUOnlbly ",ithheld,J1 Borrower fallalO maintain covera...-ribed
above, lAnder mlY, It lAMer'l option, obllin coven.. lO protect Lender', ripw In the Propert, in ~ whh
pataII'Iph 7,
All insunnce pllici.. and renewllllhlll be Icceptable to Lender and lIhaIl include I standard mort.... cll~
Lender shall have the ript lO hold the pllici.. Ind ,enewel., If Lender requil'Cll, Borro",er ahall promptly Ii" to
Lender all ~pll of p1d pAmiuml and renewal noti'*, In the event of 1-. Borrower lhllllive prompt notiOlto the
illlUnnce carrier and Lender, Lender mlY mite proof 0' 10M if nOl made prompll, b, Borrower,
UnI_ Lender Ind Borrower olherwillllpee in ",rili n., inaurance proceeda lhall be Ipplied lO nlIlOntion or repair
of lhe Property damlpd, if lhe restoralion or repair is economically fuble and Lender'I _uril, il not I ......If the
I'llIlOralion or repair il not economically feasible or Lender's -=tIrity would be 1-*, llIelnaurance pcoceecllllhall ba
applied lO the auml aec:ured by lhil SecurilY Inslrument, whether or nOllllen dill, willi Iny el~ paid to Bonow...1f
Borrower lbanclona lhe Property, or doo:J notalllWer within 30 da,. a notice from Lender thaI the i~ c:arrI.. bel
offered to _nle a claim, lhen Lender may collect the Inswuw::e pt'OCMdL LencIer may we lhe ~ lO repIIr or
I'llIlOre lhe Property or lO ply IUma..:ured by Wa Security IllIIU\Iment, whether or nol ~ due, 3Ctda, period will
bqin wt.llhe nollOlllliven,
UnI_ Lender.nd Borrower olherwi911apee in ",rilin., .ny application of proceeda to principal ahillllOllllalld or
poIIpOne llIe due data of the monthly plymenw referred to in parll"phll and 2 or chan.. the .mounl of till pI,--
If under panaraph 21 lhe ProperlJ II Icquired by Lender, Borrower'l rililt to .n, IlIIIII'Ince pllld.. and l"ullMda
result!n. from dam I" co 1lI1 Property prior lO llIe Icquisition shall palllO Lender lO the enent of llIe IUmI aaCurad b,
thil Security lnauumenllmmecliately prior to llIe I"iuiaillon.
6, Occupaoc,. Preaervatloa, M.loleollllce .od ProleCtloo of the Property: Bonow.,'. Lo.. Appllcatloa;
Leuebolda. Borrow.-shall occuPy, eslIblilh. .nd U!IO llIe Prot-lJ U Botro_'. prioclpal reeidence wlthio lin, da,.
attar llIe eleculion of IhiII SecurilJ InatrUmenl .nd shan continue CO 0CICIIp)' the P1opert}' U Bono..... principal
l'llIidence for at ICIIIt 0IlI year aflCf the dale of occupaocy, unl_ Lender olhenrla ~ in writi"lo which ~t IlIaII
not be unreuonabl, withheld, or unI_ ellellualln. circumllanCCll ellll which are beJOnd Borro.... CIOI\troI. Borrow..
WlI nol cblroy, dama.. or implir lhe Property, allow the Propert}' to deteriorate, or commit wute on till f\~CJ.
Borro... ahaIl ba in def.u111t an, forfeilure action or ~"Io whether civil or criminal, il bepn tIlIt In LaIder'.
lOOd faith iud.ment oouId NUll in forfeilure of the PropettJ or olhenriae mallrially impair the lien CNl8d '" thIa
SecurilJ IMlrument or Lender'. -mly intenlll. Borrow.. mlY cure IIUCh a def.u1t and mllltlte, .. providIlIln
panppb II. b, c:alllilll lhe action or proceedina to be ctlIml..s willi . rulll11 that, In lAnder'. .... fellll
delermlnation. pncIudea forfeiture of llIe Borrow..'. inlerwt in the PropartJ or other m.teriallmpalnnlllt 01 1M 11-
enal8d b, thia SecurilJ l/lIlrUment or Lender'. aecwity in*-'- Borro_....1 a1ao ba in def.u1t If B....v.... cIurllll
lhe loan .pplicallon ~ pve materiallJ fa1ae or lnaceunle information or ltllementlto Lender (or felled to
provide Lerider with IlIJ m.lIrial informationlln oonnection willi till loan evidenced by the Nota, includilllo bIII_
Ilmileclto, 1..",_,tI~ 001_'';11I Borrower'l ~nc;J' of tIlIl'I...-lJ . a prioclpal nlidenoa. If tw. SecuritJ
l/lIlrUmenl i. on Il.-hoId, Borro..shall compl, with all the proviai_ 01 the 1_, If Borrow.. MlqIliNl f. tid.to
the Property, the leuehoJd .nd the f..tille shall nol merp unI_ Lender ~ to the mer.... In wrillna.
7, Protecllon of l...der'l II.bula tb. Propen)', If Borro... faila CO perform the cov_nta and ..-_tI
contained in thi. Sec:urilJ Il\ItnJment, or there il I lepJ prooeedillllhat m.y IiplifiQlllly .ffect Lender', rip. 10 till
Property (auch u . proceedjn. in b1nkruplq, probate, for condemnation or fodelllll'l or to anr_ 18.. or
"IIIiall_I, then Lender m.y do and plJ for ....1IWt 18 I.... ~ to proleCt till value 01 tIlIl'I...-lJ and I ~. r'.
rillttlln the ProperlJ, Laader'1 actilllll m'J include payin. any IUmI .und '" . lien which hu priorilJ 0... thIa
SecurilJ IlIIlnIment, .pplltilllln COurt, plJ!1II reaaonable .nome,.' f_ and IIlllrilll on tIlIl'I~lJ to IttIb npai...
A1lhoUlh LencIer m., taka action under WI panppb 7, LaneS. doaa lIOl"'va to do III.
AAr amounta cIilbunecl by Lender under thl. puqraph 7 lIhaIl become addIllonal debt or Borrow.. ---s '" thIa
Securily InatrUmenL UaJ_ Borrower and Lender .pee co other terI1II of paJment, ~ .mounw lIhaIl bear 10....
from \hi dale or c1i."'--menl.llhe Note rale and IlIaII be payable, with InleNll, UJlIlII nollOl from LancIet to Borrow..
requ.lin, pa)'menL
I, Mon,..e lalunlce, If Lender required monp.. insurance u. ooncIillon of makin.the loan IKuncI b, thIa
SecurilY InatrUment, Borrower lhall ply lhe premium. required to mlintaln the mortpl' insurance in effect.U, for an,
~n, lhe mortpl' inaurance coverap required bJ Lender la~ or _ co be In e'fect, Borrow.. shall pa, \hi
premium. required co oblein covera.. subatanllally equivalent lO the mort.... inaurance previoUlly in effect,.t. COlt
lubatanli.lly equiv.lent lO the COlt lO Borrower of lhe monp.. inaurance pAvioUlly in elfeet, from an a1ternale
monp.e insurer .pproved by Lender, II subatanlially equiv.lenl monpl' insurance coveral' Is not .vailable,
Borrower sh.1I pay 10 Lender each monlh a sum equal 10 one,welflh of lhe yearly mortcace insurance premium beln.
paid by Borrower when the insurlnce CO\'OrIce lapoed or cuscd 10 be in ef,ect. Lender ,"'ill 'c<<pl, U9ll .nd retain 1lI_
paymenta as I 10M roan'e in lieu or mOMClce insurance, Loss reserve paymenta may no lonaer be required,
~ -eA~AJ ., IOU
F_ ID~1J
1"1t1.1~
,(
..... I .f .
XCU01DAAC ,0'
~:~. t Hm WE tb7
.t t"- option of 1AndIr, II m - - . IlIIlI/'Ince ~ven.. (In t"- .molllt, " the pwi04 tIIIt Lender requiNl)
proYided b, 1ft I...,., .ppov... oJ' ~ .pln becom. .ylll.bI. .nd II OD.uIllld, Borrow" IIIIaII pe, 1M pnmlUlllll
requited lO mlinlaln monpp I~ In "'er:t, or lO provide . I~ ~, Ill\til t"- requirement lor monpp
irwunnce IndIln ICllOnSalA wltll.n, wrinen Ipwment IItt... Borro." end LendIr or .pplicabl.I..,
t. I..pectl~ LendIr or iI. 'pIlt m., mike RIIOnable entti. upon end 11lII*'i0lll 01 the Propert" Lender ahaIl
pve Borro... notice It tIIlI ~~ :,r:or lO In inapectlon lIpeCil)'ln, ~bl. ca_ lor t"-lnapectlOlL
II, COD'lm..t1Clt1. The 01 .n, Iward or clllm lor dam.... dlreet or OOIlIIIquentill, In OOlIIMCtIon .Ith
an, condemnation or othw III of en, pen 01 the Property. or lor COllYlYlnce in lieu 01 condemnation. .,......by
...pd IIld IIhaII be plid lO lAnder,
In t"- .vent of . lOlaIllkllII of tIw Propeny, the pt~ ahaIl be Ipplied to the lum. eecund b, thia ScwllJ
Irwtrumlllt,.hethw or not then due, .ith .ny eJ"- peid lO Borrow", In t"- .vent 01 I pettillllkllll 01 t"- Propert, In
.hich t"-lllr mlttet YIIIlI 01 t"- ProperlY immediltely before t"-1Ik1n, ia oqUlllO or ar-\er than t"- .molllt of the
IUIna IICUI'ed b, thla Stcwit, lnatnlment immtdi'lely belon the tItlna. unI_ Borro." and Lender ollllnrl.."..
in writina. the .UIlUlIlClll'ld b, thiI Security lnatnlment IhaJI be recluced b, the amolllt 01 the procadI multlplie4 b,
t"- lollo.in, Inctlon: (.) thelOtaI .mount 01 the .um. IlICInd Immedl.teI, belore tho lIk1n.. divided b, (b) the IlIr
marbt Vllue of the ProperlJ Immedl.t&I, beforw t"- lIk1n.. An, bIllJ\CllhaIl be plid to Borro.", In the IYWlt of .
pertlII tItllll 01 the ProperlJ in which the IlIr market Vllue 01 tho Prop.lJ Immedl.lel, before tho tItln, ia 1_ tllIII
the.mount of t"-1UIlUI-..Ilmmedl.teIy belore the tItlq. 11III_ !Iorio... and LendIr othorwi. 'ar-In .ritllll
01' 11III_ Ipplcabll I.. ollllnri. provi.... tIw ptoce.do ahaIl be 'ppied to t"- IUIna IIlCI.nd b, lhI8 StcwilJ
Inatnlmlllt.hethIr or not t"- MInI, lie then due.
II till Pa.....l)' ia ......dnowd b, Bono.'" or iI, .lleI' notice b, Lendar to Borro." that the condtmlllll' oft.. to
make .n ...rd or .nI. . cllim 101' clam.... Borro.er llIla to NIpOlld to Lender .11hIn JO cia,. iflei' the date till
notice i. liven, Lender I. .uthorized lO oollect Ind .PPy the prOCleldl, .t III option, either to resIOretion or repair 01 tha
Propeoti or to tho IUm. _eel b, thiI Securit, lnatrumlllt, .he1her 01' IlIIt then due.
VIII_ LendIl' and Borro... otllenri.'ane in .ritina. .n, ,pplcatlon of prooeedIto principal ahaIlnat atand 01'
poMpIne the due clate or till monlhl, peymlllte metred to in penanpha I UId 2 or chlnp t"- am_t of aucb
pe,mlllll.
II. Borro.., Not Rei....; PorbMr.nCll By....... Not. W.IY..., Eatanaion of the time rOl' pe,mlllt or
modincation of amort/ation of tIlIlIIlIII .and b, thia ScwllJ Irnwnlllt JRllled b, LendIr to III' " _ In
in... of Borro_1baU IIOl operate to 1'11_ theli.bIlilJ of till oriPul Borro." or Borro..... ilK, -. In
in..... Lander IIlIIlnot be nquiNd to comm_ ~IIII .pi"" la' - 'O In intlNll or ...,.. to atand
time lor pe,mlllt 01' ollllnriae modir, amortization 01 t"-1UIlUI-..I by lhI8 Secw/lJ IlIIInImlllt b, ~ of en,
demand made b, t"- oriliall Borro... or Borrow,,'. . on in in..... AIq forbearulc:e b, LendIr in ..-ciallll
III' rilbt or Nmedy IhalllIOt be. wlivw 01 or prelude the ezarciae of IIIJ rilbt or nmld,.
12. Sv {marl....bUIII BOUD'; 101.. u' SlYenl Llabllltr. Co..I..... The IIOveaanlllllll ~1lI11
of thia StcwilJ IlIIInIrnlllt ahall bind and benelit the ~. 'O. IIIlI ...... of Lender IIIlI Borro.... IUlIjIGt to the
provili_ of JlIIIII'IpIll7, Bor.o...'. oovenanll and lpeemenll ahaIl be i1111' 1IIlIIIVIrII, Any Borro... who GO"'"
thia Secw/lJ I..crumlllt but doea not CDC\I1I tile Not<< (.) II GO"II1Ili1ll dlla SecurilJ l..wmlllt onI, to ~
IfIIII and -.., that Borro...'. Inllrwt In the Palljlllo 11 'under tba termI of dIia lIIcurilJ lnatrumlllt; (b) iii IIOt
permnall, obllpted to .., tile IIlIIIIIIIICIIfId b, till. ScwllJ lnatrumlllt; IIIlI (c) ..... thet LendIl' IIIlIIIIJ othw
Borro... ml' IlNlto cllIIId, modir,. rorbear or mike an, IlIOOllImodati_ .i.. nprd to the term. of tbIa 8ecwilJ
lnatnlmlllt or till Note without that Borro....._t.
IS. Lou CIlar... If tIlIloIII-..d b, thIa SecurilJ lnatrumlllt ilaubjact to lla. .hlch _ mulmum 1011I
charaw. IIIlI that Ia. II rIDall, Interjlo bod 10 that the in... or otblr 101II _.. coIlecl1d or to be ""'I '1" III
-n"tion .ith till 1011I ...... till permitted IImlll, thIlI: (.) an, lIUCIllOlll c:llarIt ahaIl be NlbId by the IllIOUIIt
""" 11 to NdIa till chup to the permitted limit; IIIlI (b) IftJ __ II,..., collected rrom BorI'CIW_ which
.i '" permitted IIml. will be nlUDdId to Bono.... Lender ma, c'- 10 mate thIa refund by ndullllII till
principal o.ed under the Note or by matllll' dI~ pe,mlllt to Borro"" II. nlund recllICII principal. till redlEtion
will be trllted. I pettill pnpe,mlllt without 1ft, prepayment charp under the Hoc..
14, Not.. An, notice to Borro... provided lor in thla StcwilJ IlIIIrumlllt ahaIl be liYlll by d11lnr1l11lt or by
mlililll it b, lint c1_ mill 11III_ I~~e I.w requirw IIIlI 01 IIIOtIw method. Tha noticellllall be dlnctad to the
Paop..l)' A&rr. or 1ft, other fdd - w" _11II_ by notice to Lender, An, notice to Lender ahaIl be PYWI b,
lint cl.. mlilto Lender'. Id f _ lilted herein or 1ft, other Iddre. Lender _""_ by noticelO Borro..., An,
notice provided lor in thla SecurilJ IllIlnImlllt ahaIl be deemed to haye been PVlIllO Borro.er or Lender .hen liven
. provided in 1hI. penpaph.
15, GovernlD' Law; S.venblllt,. ThI. Security lnatrument .haIl lit aoYemed b, lederell.. Ind t"-II. of the
juriadiction in .hich the Propeny illocated, In the eventth.t .ny provision or cl.uee ollhls Security lnatrument or the
Note con11icta with .pplicable I.., such con11ict shill not IlIect other proYiliona 01 thil SecurilY Instrument or tile NO\e
.hich cen lit liven elreet without the conlliclin. provision, To this end the pro\'isiona oltrus Securit, lnatrumenl.nd
the Note Ire deellreclto be IIvenble.
~-eR"AJ Illell
"" .. .. .
XCIIQ1D4AD 01
f_ JlKJ -A.
l"lll'~
"/~
~OO' t 1 un FACE 18tJ
16. llano.,,'. Co". Bo . .( 11II11 be liven 011I oonformed oopy of' ...1Id ohhilSecurit)' IllItIIImllll.
11, T,.aef" of Ill. Prop....., or . "'''lc..II.I.rut I. Bono..r, I' all or lilY pert of tile Propen, OIIIIIJ
In...., In /t .. IOld or IrInItlllTDCl (or If a benetlciallnlenlt In Borro.., i.lOld or tn""erred.nd Borrower I. IIIIC.
natural r-r-I without Lender'. prior written lXIMenI, Lender may..I ill option. require immediate plymenl In full of
alllUI'M IIICIInd bT t!IiI Sec:urily Irwtr\lmenl. However. thIa oplion .hall nOl be elercilllcl by Lender If tlercia Ie
prohibllecl b, faclenl... u of the date of thI. Securily Irwtr\lmenl.
If Lender nerci. t!IiI option, Lender Ihallli ve Borrower nolice of acceleration, The noticelhaJl provide. pwiod
of DOli. than 30 da)'l from the date Ihe noticel. delivered or mailed within which Borrower mUll plY alllUmellCllNd
b, thi. Securil)' IllIIIUmenl. If Borrower fan. to plY Ih_lU/n8 prior to the erpitltion of thI. period. Lender m., Invob
an, temedi. parmin.od by thIa Securil)' Irwtr\lmenl wilhout further notice or demand on Borrower,
IL Borro.,,'. 111111 10 ReIDII.II. If Borrower meela certain oonditiona, Borrower .hall have the riabl to"'ft
enforcemenl of thi. Securil)' IllIlI'IImenl diaoontinued alany time prior to the _Iier of: (.) "da)'l (or .uch other pwiod
u .pp1icebl.law m., IpIcif, for teilllUtemenl) before ale of the Propen, putI\IIfll to any I'Ower of ale oontailllcllD
thIa-Securily IllIItUment; or (bl enlt)' of a iudlmenl enfornnl thi. SecurilY Irwtr\lmenl. no. conditlo~ .... dial
Borrower: Ca) pI)'I Lender allIUm. which then would be due under thI. Securily Ill8tnImenl and the Note _ If DO
IllOIIcntion had oocurnd; (b) eun. any defaull of .ny other lXIvenanta or aareementa; Cc) pI)'I all ea.- I iDCUrnd iD
enfornDl thI. Securil)' IlIIIIUmenl, Illl:ludina. bill nOl limited to. reuonable anome)'l' f~ and Cd) tak. _h actloa.
l.-lw may ~b1, requi.. to -..no lhal tha lien of thI. Secur/I)' Irwtr\lmenl, Lender'. riabla in "'" Prot-It IIIlI
Borrower'. obllption to pi' the IIIm..:ured by lhi. Securil, IllIIIUmenuhall oontinUll unc:hanpd. Upon relll111l1mllll
by Borrower. t!IiI Securi I)' Irwtr\lmenl and the obliptio~ aec:urecl hereby IhaJI remain fully effective u If no lCICII..tloa
had 0CICIIn'Id. How.ver. t!IiI riabl to relll1Utelhall nOllpply in the cue of lalIIentlon UIIder pInII'Ipb 11,
1,...1.01 Nota: Cbup of LOI. S.tvlcer, The Note or a partiallnterut iD the Note CIOIIthw with thlaSecurit)'
IlIIIIUmllll) m., be IOld 011I or more timllll withouI prior nolice to Borrower, A ale maY""I in. chin.. in thellltil)'
Cknown - "'" "Loul Servicer") thai oollecta monthly pI,menla due under the Note and till. Security IllIIrUmllll. There
IIeo ma, be 011I or more chin,. of the Loen Servicer unrelated to a ale of the Note. If there " . chin.. 01 tile LouI
Senlcer. Borro.. will be PVIll written notice of the chanp In aocordance with pIl'Ipapb 14 aboft and 'pp1lcebl.la.,
The notiOl w/lIll1te the name and ~ of lhe new Loan Servic:er and the ~ to whicb plymlllla ahouId be m.....
...... notioa.1II alto lXlIllllD III' other Inform.tion required b, applicablela.,
.. .......0.. SubetaaCllll, Borrower Ihall not ca~ or permit the pi :........... ~, di..,..t. 11Orap. or reI_ of
IIIJ HuanIouI SI/....._ on or In the Propec It, Borrower .....1 nol do. nor 1110. 1II)'011ll e1. to do. 1II)'tb1l11llfecd..
tbll\op. It WI" In violatiOll of lilY &vironmll"" La.. The In*IiDl two _tencellIbaIl DOUpply to tile t'" "'.
... 01 ..... on the Prot-II of lIIIall quanliti. of Huuilo.. Subltancu thai .,. .....1' ..-pilld to be
appopria..to llOI'llIaI nIIc1eatill... and to maintenance of the Propert)',
. 8Drrower.....1 flUmpd, alft Lender writleQ notice of IIITlnVllliptlon. cllim, demllld, lanuit or other actloa '"
IIIJ IU'Wfl/IlIIIIll or NIUI'lIIfJ II'fICJ or private JlIlt)' iDvolviDl tile ~ It IIId III' HaarcIo\ll 8",,-- or
&YiIOlllllIllIll La. of .liIcb BorrO......... KtuaI knowledp, " Borrower I...... or I. DOt/fied b, III' IOVWlUMllIII or
""'alor7 authoril)'. thel IIIJ 'remoVII or other remediation of IIlJ Huardo.. Subeta/Q atfactinl the ~ It "
- '1. Borro.......1 pomptl, tab all ~ remedilllCticx.ln ~ wltb &vironmllllll La.,
Aa ....In t!IiI JlII'IIrIJlh ~ "Hazardo\ll Subetancee" .... thou IUbetancea cWined u tolic or huarcIoua aur..-
b, Bnvironmllllll La. and the followlnllllbetanc.: pmline. ket_... other namm.b1e or toile petroleum producte,
tolic _cidu and herblcidee, volatile IlllVIII", materiela lXlIltainiDI ubutoa or fonnaldellyde. and ndioectIft
materl.... M ....In t!IiI JIII'IInFh ~ "Environmental La." m_ federal Ian and la.. 01 the Pialiction where tile
Pr~It Ie IllCItecI dlalnlata to health, at.., or environmllltel flUtection.
NON-UNIPORNCOVBNAHI'S. Bohuw. and Lender funberClOftIIII\I 1IId...... follo_
21. A_ltRlloa: ..me4.... Lea.. ....11 Ii.. aollAl 10 Borro.... prior to -Ienlioa follo.la,
Bono.... ~ 01.., co.....t or apwm..t ia I.1a Seewit, .......-.t Cbu. Dot prior to -.....UcIa
.... ....".,. 11..1_ .ppllce"el.. pravl'" _enl.). Lea..... ....II.otif' Bono.. of. ",., odIw
I"lap: C.) .... ..,..11; (II) ...eetIOD requi..d 10 cure ... def.ull; (c) .... lb. d.f.ull mild .. c1II'M; ... C.)
I'" faU.. to can tII. daflllll u .peeitled m., r.ull ID ._I.,.IloD of III. .um. _urM b, tlJe SlCuri.,
lutru_1, f_IOIu.. b, judlci.1 p~lnl ... AI. of tll. Property. Le.der ...11 funu, iDl..
Borro.., 01.... rlpI 10 ..IDllate .fter '_ler'IIOI 'Dd Ibe rllll. 10 IIMrt ID lb. foreclOlure pr-.sla,,,,
.....1eteHe oIa deleul. or .., olber d.feD. of Borro.er to .ccele"Ilo. 'Dd fonelOlun. If ... dalaul'la
DOt c.... A .peciflad, LaDder, al Ita oPllo.. may roqul.. Immedlale paymeDI ID full of .1I.um. _unci b,
I"" S_rll, IUlrumlnl ./tbouI furtber dlm'Dd .nd m.y forecloee llIla Security IDllnlm... II, judlclel
pr<l [ Ildl'I, Lead" .ball be '.1I1Ied 10 collect all..peD'" IDcurred ID puraulDI lb. rem.dl.. provldecll. ....
putlr.pb 21, IncludlDI. bUI DOl limited la, 1ll0rDey.' feee 'Dd cO'U of tille evldeDce 10 Ibe eUeD' permllted
by .ppllcable I.w,
21 Relene. Upon plymenl of.1I .um. aecurod by this SecurilY Instrumenl. this Securily Innrumenland the estale
conveyed .h.lI termin'le .nd become void, Aller such ocaJ1'l"ence, Lender shall diacharae and satisfy thI. Securily
Instrumenl wilhoUl chlrae to Borrower, Borrower sh.1I pay .ny recordation COllUl,
~ -&fW'AJ 111011
..... t'l
XCIIC1DM! Ol
f.. ~~!
1"111. ~
i~H
~rio' 11G9 riCE 189
"
, 2J, W~!ven. Borrow.." . ,4 .n.nl pwmln.d by .pplie.b1. I... " ~ IIllI ,.1_ .ny IITIIl' or U... In
.........4ln..1O ant_ tlliI Sacu...y IlWItIImllll, and henby ..1\... "" benltu 01 any ~I Of llIIIIn I... provldllll
lor lilY or '11CUl/cn, menalon of tlm., Iltmpl!on lrom .nachmenl,IIVY .nd aI..1IllI homllUed .ltmpl!OlI.
24. ..I,a'''''m..I Period. Borrow,,'. tlm. 10 reil\llale provided in panarap/lll ahaIl ellllld 10 one how prior
10 die eomm_1lI1 01 bicldina ". aharilr. aI. or other III. pumII/II 10 IIIIa Securil}' IlWItIImllll.
25, Purcbaaa MOM, Mortl.... "an, 01 the debl IICured b, lhiI Scuril}' IlWItIImenl I. 111I1 lO Borro_1O
MlqUi,. tid.1O the Po~ 1,,1IIIa Securily IlIItrUmenl ahaIl be. pun:h&ae mOlllJ monpII.
26. la"" .." AI'" h.lm.... Borro... ....- thai the In'-l rale pa"b1. .IIIt. iudlmenll. IlIl1t1d on
die NOle or In an actloa 01 monpII loreclOlllrl ahaIl be !he rallpa,.b11 lrom tlm.1O time under the Note.
27. ."er. 10 I~18 Securil, lutruml.I. 11011I or more riden Ire ellClllld by Borrower and rocordo.cS lOpther
willi d1i. Saalril}' IllIInImllll. the eovenanll .nd 'peemenll 01 each IUCh rider &hall be inOotplrllted InlO and &hall
.mend .nd IIIppIllnlllt die eoVlllll\1I11ll1 .peamenta 01 lhia Securil}' hllllUmllll u II the rider{a) wan a pan 01 dliI
Securil}' Inltnlmllll. (Olect Ipplicable boll_II
~Adjultabl' Rale Rider ~CondominiUm Rider ~ 1'4 Pamily IlIder
Onduated Paymllll Rider Planned Unit Developmenl Rider Bi.eakly Paymllll Rider
Balloon Rider Ralllmprovemllll Rider Second Home Rider
V,A. RI.. Other(.) Itpecily)
PIlEPAII(O 1'1 CYNTHIA llEAVER
HARRISIURI, PA 17112
BY SIGNING BELOW, Borrower ICCIep\I .nd ..,... 10 the term. and eovenanll eontained In IIIIa Securil}'
IlWtnJmentand In InY riclar(a) Ilecuted by Borrower and rec:o~ith i"d
Willi , '_ /
1/ ,., - (SaIl)
UZ/ I ' E Ell ....._
I I oN K0144'r ~ U. (s.a)
().o 'ftJ flJd'f It KWH l. !rESTER .....___
(SaIl)
(...)
.
.D.l.....,
.~.---
c.tillcalll 01 Reai.....
r. the .ub.c~ibe~, CyIIthia W.avu
dt _oI""w1d1in"lllllledMon.....i. 440 No~th Palntay Drive,
60061
, do hen'" wrtlly III" die 0DrNCt
Va~non Rill., 111iaoi.
Wi,- m, haIIlI dliI 29th
cSa,or s,prr ,1993 '
r-t....L /.)~p~,J
nANnl. Covaly Ie
.1.,.... __
COMMONWBALnI OF PBNNSYL VANIA.
0. tIIla, tha 29tb
oIIIcw, panlIlIIIl, app.nd
cia, 01 Septe.bar , 1993
Ir.dy Z R..tar and Kar.n L Ba.ta~
, Wen me, "" uadInl....
known 10 ml (or utlaflCloril, proVlll) 10 ..
the penon. w'- nam.. ua aubacribed to the widlin illllrUmenl and acltnowledled ""I th.y
allCllled "" 11III. lor the ~ herein contained.
.IN WlI'NBIlS WHEREOP, 1 hereunto Itl my hand and ollicialaeal. '- --L _~ ( _
M!..Co~..i~!in Elpina: ,~__ -' ~'\..,,/..........---
._~-~ , -
~.., : t~ar:aJ Sill
"'. . ,
_ ,~'!..':."",'" DA L /kNEW, NOTARY PUBLIC ,
: .~: :,..: ' Ch.mberaburg Bero, Frankfl" County ~ ~<,.. ~ '-.:<'<,<?q"4<<"../
~ ...:. ~. -=: I. p.. ccmmlSSlCn eICI't'S CC'! 20. 1993 Till. 01 Officer .'
~'. ",
~~~II.At< lIe..~~~,
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.... . If .
XCIIO'lOAAl' ,0'
f_ JDII 11M
e5~r 1169 .!:[ 190
,
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SEPTEMBEft 28. 1883
10.111
NOTE
LENOEft'S I 08-02-32773
CHANBEftSBUft6
[a,,1
PEIIIISYLVAHIA
1110111
432 SOUTH FAYETTE STREET, SHIPPENSBURG. PENNSYLVANIA 172~7'1738
[Pro,.", Acld...l
I. BOUOWER'S PROMISE TO PA Y
Illntum fora loan that I have received, I promise 10 pay U,S, $71, 2~O,OOn---mnn-n___._{thla am<llllllla called
.principal.), pili inlet'lllt, 10 the order ohhe Lender, The Lender ia SEARS NOIIT6AGE CORPORATION. AN OHIO COIlPOlIATlOII
, I undentand
thai the Lender maylrlnlf.. dIia NOle. The Lender or anyone who IIk_Wa NOle by ltanafer and who la entitled to _"
paJma"a under IhIa NOle fa called the.Nole Holder, .
2. INlllREST
I... will be charpd on lIlIpaid principal untillhe full amount of principal hu been paid. I will paJ InfIrMlla
y...IJ nil of ----------.00---7, 5000~,
na In-. nllt required bJ tIIla SectIon 2 ia!he rale I will paJ both before and after anJ default cS.cribad III SctICIII
6(B) atlhla NOle,
" PAYMENlS
(A) Tim. 'D. P1_ 01 Pa,mlD"
I will paJ principal and In__ bJ makllll paymen" every mlll\1h.
I wilt lIIIU m, mCIIIIhIJ paJmlll1lt lIl\ the FlftS' da, ohICh mOll!h betinnilll 011 IIOYEJI(ft , ,
1813 , I will mate "*' plJmlllll'VWJ month until I have paid all of the principal and in.. and IIIJ odI.-
charaw deecribed balow WI 111II' on under IhIa NOle. M, mOllIhl, pa,mlllll .11I be applied to intenll Won prllllllpal.
II. Oft OCTOBER " 2023 , I iii II owe amounla under IhIa NOla, I will paJ tho. amolllllllD full CIII
thel dall, whicllll called the.Malllric, Dale,.
I will makemJ monthl, paJmenla1l 440 NOftTH FAIRWAY DRIVE. VEIUION HILLS, ILLINOIS eDOl'
or at a different p1_ if required by the Nola Holder,
(a, Amoal of MOll..I, h,ma"
W, mOftIlllJ paJmllll will be In the amount of U.s. S .88, 18--...----------.
4.IOUOWER'S RlOHTTOPREPAY
I....lheri...ltomate IleJ-IIo1principalalan, time Wor. IheJ "".11I, AjIIJmllllol prllllllpallllllJ llbowa.a
.......JIlIIlII. . Whae I mate I .....JIlIIlI..r.m ,.11 the Nole Holder In writin.wlI am doIl11lO,
l_J lIIIU I full.....Jmllll 01' panlalll"PlJmenll without parin. an, .....rmenl chirp, The Noll Hal.. will ~
all at ~~,menlll.o Nduea Ihe amOllllt of principallhal I owe under IhIa No... I I mat. a JlII1iIl JInIlIJIMIII, tllare will
be 110 Illlhe dill datil 01' In the amounl of mJ mOllthly pa,menl lilli_the NOli HoIi1er .- III .ritllllto tho.
;m.. CHAROIII
III"w, wItIch _1.10 dIia IOID and which ... malimum IOID c..... fa liaallJ In"'t"led III WI 1M I.... 01'
o-laen~ooIl""OI' 1.0 beoolleeted In COIIIIICIion willi IhIaloan.1Iieci the permilledl ml... "'- (I) ..,......
c~....1 .. reduced by Ibe '-Ill 'l"( ~ 1.0 redUlllthe charJa to Ihe .PWm11led limit; ... (II) .., ... a1~
001..... from - whIcIl... I....f parmllledllm 1I.i11 be refunded to m.. The No. HoIc1ar maJ~ 1.0 mab IIlIInlIIIiI
by I'IIIuc:illlthe principal I 0.. IIIIdar IhIa NOli or bJ makin. a dil'lCl paJmllll 1.0 me. If a refund red~ principal, Ihe
rwdueIIaa Will be INIt.ai1.IIIIIIi_~lmanl.
"IOUOWEa'S PAILtJaSl'OPAY AS REQUIRED
(A'..... Qarp 101' Over4.. hym'D"
II "" No. HoIc1ar haa 11III nceiYld the fuJlamounl ohny monthly paJment by the end of 15 cat... da,. afIIr
lhe dale It I. dill, I_III paJ ala. chlrta 1.0 the NOIe Holder, The amount of !he chat.. will be-..--..----.....~.OOOO~ of
mJ Ovenllll paJmenl of principal and InlelWt.1 will pay thialale char.. promptly but onlJ once on each lale paymanL
fa,o.I..lt
U do nol paJ the full amount ohach monthly payment on Ihe dale It i, due,l will be in default,
(CI Notice of Defaull
If lam in default, the NOIe Holder may send me a wrillen notice IIl11n. melhll if I do not pay Ihe overdue amounl bJ a
ceruin date, the Note Holder may require me 'a pay immediately the full.mount at principal "'hich hu not been paid and
IIl1.nSTAII flllBl IAII lID1t.Silltl. ,...1, -,.... w.JFr....I. ... 1Iol1..I..tr_
,....1.' I
~ -~'.'ehCIJ XCJlOOOA.AA .01 ".... uO,nCAGI '0""" . lJ'lUIJ"lO~ . 11,)O,U1.7UI
OWl CERII - 7UOZ51 owl CO~PI'll . wORTGIGE GUIRI~Tl INSURA~CE CCWPI~' I wGICl
E,(r_"~B'T" .
4'" f L I "
~
..
,..I the Inlel'elt that I 0.. onlllal.. r'lIIIL ThaI dale mun be lIICUI 30 dap Iftc., .ne dale on .hlch thl notice II cIeIlv..s or
mailed lO me.
(DI No W.lnr., NoI. Holder
Bnn If, .1 I aim..hIn 11m In dellull, the NOle Holder doeI nol ..-quire m. lO pi)' Immtdi,"I)' In full.. dealbed
lbov.!..the NOle Holder will III II have the riahllOclo 10 If 11m In dafluluu IllItaim..
fdl ~,m'.1 01 Nole Hohl.,'1 COItII.d ElplD_
f&hl NOle Holder !III ~red m.lO plylmmlidillelf in full u oJ.ribed lOOve, the Nole Holder .llIlIIve the rlahl I/)
be paid beck tI, m. for In ollll 00III1Ild "s-r- in enforan,WI NOle lO the .Ilenl nol prohibited b)' Ippllcabl. ..., 1"-
e~lncludI, for_Ill., ~b1e lnomep' f-.
7, GIVING 0. NoncS
UnI_ Ippllcabl.ll. roqul,. I differenl m.thod, In)' nolic:e thaI m~ be &iven to m. Illlder thi. NOle will be liven by
cIeIlverin.1I or b)' mallllll II by fim ct.. mlillO m. II the Propert)' AcId..- lbov. or III differenl Idd..- if! pve illI NOle
Holder I noai", cit my c1irrerenl~
AM notice thaI mUll be &iven lO the NOle Holder under lhi. NOle will be Jiven b1 mlilina II b)' fim clul minI/) IbI
NOle HOlder II the~Ita&edln Section 3(Allbov.or III c1ifferenudd..- if! 1m liven I notice of thalcliff_lI~
I,OILlGA nONS 0. PElSONS UNDER TillS NOTE
If more than - ..-lIplhll NOli, etch ~ II full)' IIld permnelly obllpled lO keep 11101 the prom_ midi In
lhII Nole, Includlna 1M promili lO pi)' the full unOlllll owecl. An)' penon who Itl pnntor,lIIrIIY or ecwSor. oIlbIaNote
II 1110 obllpled lO do U-Wnp. Any.perDl who IIba ov.. W. oblipaiorw, Includlna IbI obllptiona oll ~Ior,
aunIJ or en6l - ollllle Nole, 111110 obllpted lO keep III of the proml_ midi In lhII NOle, The Noll HoIclar ma,lllI_
rori II under WI NOle Iplna each penon individuall)' or .plnat III of IlllOp&her, ThI. m_ thauny 011I0111I ma, be
red ~(le1 all ollblllftOUl\lIowed under lhIINolI.
9. AlVEaI
IIIld InY olhat paraI who hu obllptiolll under W. NOle wllv. &he riahll of ~Imenl IIld noIIce oI~,
'~IIl\III'o m_lblriahl I/) ..-quire IbI NOle Holder I/) demllld pI)'menl of 1lft0llll1l d\ll, "Notice of dlflbonoro m_
the riPI lO require the NolIa Holder lO &ive noaice to olhat pef*llll thallmOlll\lIdlll baY'l1lll1 been paid.
10, UNIfORM SBCURED NOTE ,
ThIa Nole II I WlIFwm hlllrUmenlwith IImlled YlrilliOlllln aom. il!riaclic&lOlll.III acIcIiaion to the ~ona Ii- to
the Nole HoIcIar undar IIIIe Nole, I Monp.., Deed 01 Trun or SecuriIJ Deed (the oSecuriIJ' lnalrumenlol, dar.! IfII am.
dall ..lhII NcMe. ~"1Ile Note HoIclar from ~bI. 1_ whleb mlahl reNllf I do IIlII ~ IIle prom_ wIIWll
mab In IIIIe NolI.'Thal 1Iecuri~ IIwlrumllllcS.cri_ how IIld under whal ~tiOlllI may be required to lnab Immadia_
plymenlln full ol a11__1 onlllldar lhIaNola. Som. or w.aooacliliOlllU'l cS.cribed.. follon:
T,...,. 01... ~_'lll' or I ....flNII......I. Borro.." If all or IIlJ penol the riot-I) or IIIJ
IlIlIrIIlla illnold or lrUlIfarnd (or If I benaficial in... in Borrow..I.llIid or lnllIIemd IIld L.u.... 1111III
1.1IIrII ..-1 w1diau1.....'. prior wrin.. _I, Lender may, IIllIopIioa. requlrelmmtdilll".r=ln
full ol a111U1111 _tel ., IIIIe &ecurhylllllnlmlllL How_, Ihia oplioa abell IIlII be ...mlld b, If
-- II proIlIbllIIIbrradanlllw uollbldallollhiaSecwlIJ' InIIrvrRIIlL
If LaDclar _ "-1IIIe CJSII\on. Lanclar abaIl PY'l Borrow.. noli", of lIXIIianlion. The IIlIlice ahaIl pro,w.,.
period 01 IlIII 1_1baa Jll daTI from the dale the notlClll It cIeIlvered or mailed w1lb1n whieb Bonow.. mUll PIl all
IUma -- br IbIaIlecuriIJ' IllIInImenL If Bonow.. fell. to ply I"-1lII'III prior to IbI clpiralion oIl11i1per1od.
Laadar ma, In"'" III' remtdi. permllled bylhla Security IlIIInImenl wllhoul funhw nolice or dImaad oa
Bono...
WlTNESSmBHAND(81 ANDSBAL(SI OF11fB UNDERSIGNED,
Q J rid: .~ (SealI ---1/t'hU1 ~ tI L. "lL_.
~E~ V(~ -Barro.. Mil L, HEfTE~ -
SSN: SSN:
(Seal 1
("'1
-L..,,_
SSN:
("'1
.Ilern_
SSN:
-Borrow..
IAr'1'O'mEaulERor. ...... "," 0".,.., O"rJ
~ - 6A lIlU.U XCJ&.XOUI .0)
-...,,1 ,
~.ELCl J. I :i:,,\
f.. 1200 lUll
III..' .... .....w Ih\l .......oJ..J
.iE~":'al-". THIoI
~~.". ...;....
"'''~~ eVl\LnV ''It\ noy fM .1"-,, I i I
.. ';1'1. .~.. .......'- & ......
I '
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f-,I.._,.
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NO
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lotlc. If ','.r.1 Til LI.
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~hl"dll'hl', ~A &""1618'
I,." pIOvlded - IIIU,,,,, Aft. ..... 11IIII at If.. InIImII RnInut
, ONe. we .. ,_ . IloIIoIIIIl ... OndIMIlII In,,*, 1M ~II)
" 11M 1IIell........ ....... .. toI~ ......., W, IIIV1IllU'
, · -- 'In ~ If .... aun" N . l'lmlllne UIIpIld. "'-'....
" thIrI II . 11Ift In "* If .. UllItId ...... '" III .,.. 1M rlaIdI"
'r'IIM!1Y ':::t:. " lIIII ~ fw .., 1Il101Im ., _II _1M, 1M
....1lIIi1l III........ MIll..... "" IOOlUIo
11II, UPIrIf." Y U
...TIAI .""'AU. IIftVlc.
"..Jel.,,,. .... 'AYITTI IT
..I',.,..IUM. itA 111S1-ITU
'M TANT '''ILIA.. INJlClRMAT1QN: Pol 'ach TnllImIII ~ 1leItw.
noIoIlflln II ..... _ fie ... t!wln III ooIl11ll1l (I), HI ,,0ICt.....
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,., 06/~1 n- '~I"" 01108"" 0'/0710" ZIT.. ,..
'" "':101 U- "It"" 08/01"" 0"07104 UTI."
.., ,11I:1" n.l~cn, /)IIC1e/.. 09/07104 .'1.'4
.
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'",nonotl,,.y
CYM~lrland Coun.v
C,,.'I,III 'A 1101:1
~. nolle. wu prlpartcllflCllI.,," I' "" II ad, I,,., I a, "A
'-..-..,... ." ~.... -."-."
I 10'"d'~"
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Ill"."" . ,.-!.....
. ..... .. ~ .
.I... . ,r,.
In'M' ."', ': . TllIl
'O~ ..",.iel, 8.'r.~.~.kl- ACS
TIIII .
flear ...
, on thl.,
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"'all"'"
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:
lNOTI' O,~lfkll' I' .1I1ctr 1\II!tt.i.OI It 1... II' II" """....'59.',". '. 'C1...."11I1O If, "':c:ry ,I ~.1l<1 " ~_,i Tu.u
~.., ~\il, "...., 1171,' C,I ml ..." -KepI By Aeocrdlllll OffiCI Form 151 (Y) (Rev, ,~t3)
EXI-ilBIT".'."
"
-.
Jllna 17, 199:5
PNCMORTGAG
~ UOfITOAOI COIl', CW '''1lIe'
',0, .. Cl2IClII
...".., FIaftdI :D1l1l
II.ran L H.st.r
432 SOllth F.~ette St
Shipp.nsbur~, PA 17~~7
Toll Fr.e Nu.b.r,
1-800-736-9090
aloo .. - ~IOO pa
App.ndh A
ACT 91 NOTICE
rAKE ACTION TO SAVE YOUR HOHE FROH
FORECLOSURE
Th. Coq~onwe.lth of Pennsylv.ni.'s Ho..owner's Emerg~ncy Hortg.~e
~.sist.nce Pro~r.. ..y b. .bl. to h.lp YOU. Re.d the followin~ notice
~o find ollt how the propr.. works,
It YOU ne.d ~ore infor~.tion c.ll the P.nnsylv.ni. HOIIsing rin.nc.
M..nCy .t 1 (800) 342-2397,
L. notitic.cion en .djunto .s de su.. i~port.nci., PII.S .f.ct. Sll
d.recho . cantinll.r vivi.nda en .11 c.... Si no cOMPr.nd. el cantenido
d~ .st. notification abteng. un. tr.dllccion i..edi.ta~.nt. ll...ndo
.st. 39unci. (P.nnsYlv,"ia HOII.in~ Fin.nc. Apency) sin c.rpos .1 nll.era
.a~cion.do .rrib., Plledes aer elesible p.r. IIn preat.~o por el prlsr...
113.ado "Ho.eown.r's E..r.ency Harts... Assiat.nc. Pro9r.." el cIIIl
ruede s.lvar Sll c... de 1. p.~didl del derecha a r.dl~ir IU hipotvcl,
ACT 91 NOTICE
It/PORTAN1, NOTICE OF HOHEOUNER'S EHERGENCY HORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
-
YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE YOUR HOME
FROli VORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Dahr Jline 17. 199:5
REI Account NO,I 0090232773
TOr Brldy E Hester and Karen L H..ter
FIiCHI "NC Hort9a<le Corp, of Allerica
'au ~ay be .ligible for financial ijs.ist.n~e th.t will prevent
for~~l~$\lre of Your mort.age l' you comply wlth the provislons uf the
tlanli'won,pr 's EnllucllnCy Mortqage ASS1!itanCl' Act of 1983 (the "Act"),
You m~, be el191ble for ~mer<lency temporary a.slstance if your default
h~s b~~n cau~ed tv clrcumstan~es be)ond Yuur control, yoU have a
r'ea;u nable ~ro"C)e,t cf r t-fluml n ~ .,. c;, ur mortqa;:e p!s'f"rr<t-nts, I1nj If you
lui:.t lJther ellCjll~111t, reQ\Jlremellls e-stat.llshed t:.v the PennfJylOVilnla
HOU.Ho'1 Fln.nce A~~n,y, Plt-ase ,..ad all of' thls Nutlc~, It contaln..
~n e.~lanation or your rlQtlts.
EXHIBIT'~q
r
,
-
PNCMORTGAG
'f<<:: MORTQAQI~, 01' AMEIllCo
',0, loa CI2IOlII
MIItri, I'IoItdI :I:I1Cll
Und.r the Act. ~.u are .ntitl.d to . t..por.ry .t.y of for.clo.ur. on
~our ~.rt~.g. for thirt~ (30) d.y. fro. the d.t. of this Notic.,
DurinR th.t tin. .ou mu.t .rrang. .nd .tt.nd . "f.c.-to-fac." ~.eting
with · r.pr...nt.tiv. of this l.nd.r, or with. d..iDnlted consum.r
credit cou..1inA 'R.ncy, Th. purpo.. of thi. n..tinA i. t. .tt.mpt to
work out . rep'~m.nt pl.n, or to oth.rwi.. ..ttl. your d.linqu.nc~,
This ...tinA .u.t occur in tho n.xt (30) d.~., If YOU .tt.nd I fac.-
to-f.c. .eeting with thi. l.nd.r, or with I con.u..r credit coun.elin~
IR.nc~ id.ntifi.d in thil no tic., no further proc..ding in ~ortgaAe
for.cl..ure ma~ t.k. pl.c. for thirty (30) d.~. .ft.r the date of this
...tinA. Th. n.n.. .ddr.... .nd t.l.phon. numb.r of our r.pr..ent.tiv.
i.1
PNC HortA'A. Corp, of A..ric.
8240 NU 52 Terr.c.. St. 405
"h.i. FL 33166
T.l.phon. Nu~berl 1-800-736-9090
The n.... and .ddr..... of d..iAn.t.d con.um.r cr.dit coun.eling aAenci..
.r. .hown on the .tt.ched .h..t, It i. only n.c....ry to sch.dul. one
r.c.-to-f.c. ...ting, ~ou .hould .dvi.. thi. l.nd.r inn.di.t.l~ of your
int.ntion..
YG~~ ~ortg.ge i. in d.fault b.cau.e YOU h.v. r.iled to P.y PtG~ptly
in.tall~*nt. of princip.l .nd intere.t, .. requir.d, for. p.riod
ot .t l,..t si.t~ (60) da.., Th. tot.l .nount of the d.linqu.ncy
i. . 1,944.64. Thi. sum inclUd.. the tollowinDI
"ontha PI.t Ou., APRIL,HAY,ANO
LIt. Charlie A..untl
R.tIo,n Chec" F....
"i.c.ll.n.ou. F'..I
JUNE
75,64
,00
,00
-
If YOU h.v. tri.d .nd .r. unlbl. to r..olv. thi. probl.m It or .fter
your fac.-to-flc, ~..tinll, ~ou hlv, tho rioht to .pply for tinancill
...i.t.nce fro. the Ho..owner. Em.rgency Hortgag. A..i.t.nc. Fund, In
ord.r t. do thi., ~ou ~u.t fill out, si\ln Ind filo . co~pl.t.d
1I0....own.r'. Em.rA.nc~ AUilhnco Application with on. of the d..illnlt.d
con~u~ur ~r.dit coun..lin\l ag"nci"s list.d on th" att.ch~.nt, An
apPlication for assi,tanc. ~.y anI. bo obt.lned fron . consumer credit
cou~5>>linq aqen~v, Tho con~umer ~redit counsellnD a9.ncy will as.lst yoU
In filllnq out Vour application and will submIt Your completed
anpll~ation to tho PennSYlVanla HOUllnq Finance AQ.ncy, Your IPPlication
wust bo ril.d or ~o5tmnrked withln thIrty (30) d.ys of YOur face-to-face
me\.'It 1 r,~.
O,.,3:?3
/
.,
JUlie 17, 199:5
PNCMORTGAG
8r.d... E He.ter
I'HC MOIITGAQI ca., OF AWIUCI
',0,"_
MIMi, PbIdI lSll11
432 South F.yette 5t
Shlppen.bur~, FA 17257
Appendh A
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FADM
FORECLOSURE
Tall Free Nu.berl
1-800-73{, -9090
8100 .a - :5100 p.
The Co..onwe.lth of Penn.ylvlni.'. ~o.eowner'. E..r9.nCY Mort9.ge
Assl.tlnce Prlsr.. .IY be .bl. to help YOU, Ae.d the 'allowing notice
to find aut how tho pr09r.. work.,
If yoU n.ed .ore 111'or..tlon c.ll the Penn&vlvlnl. HOII&ing rlnlnce
A.ency It 1 (800) 342-2397.
L. nlti'ic.clon en Idiunto e. d. &u.. i.portlnci., pue. Ifect. .u
derecho I continulr vivi.ndo on 5U C..I, Si no clmprende .1 cont.nido
de ..t. notlfic.tiln obtenSI IIn. tr.duccion i...dilt..ente ll...ndo
est. 1genci. (P.nn....lv.~il HIIIsin9 Finlnce AgenCY) sin Clr91. 11 nll.erl
Mencionldo Irribl. Pued.. .er .legible f.r. un prestl.o Plr .1 prlgrl..
11.....0 "HI..lwner '. E..rgenCy l1ortg"ge A.sishnce Pro gr.." el cu.l
~~.de .Ilvor 511 C'.I do 1. perdtd. del dorecho I redomir &11 hipot.c,
ACT 91 NOTICE
IHPORTANTI NOTICE OF HOHEOUNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
-
YO~ HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE YOUR HOME
FRO~ FORECLOSURE AND HELP YOU MAkE FUTURE MORTGAGE PAYMENTS
D.te. June 17, 1995
REI Accollnt NI, 1 0090232773
lOI Srldv [ H..ter Ind Ku.n L H..ter
FROM. PNC Mort9lQ. Corp, a' Americ.
You ma... be oligiblo 'or 'inancill a..istance that will pr~v.nt
'oreclo$lIro 0' your mortQaQe i' you comply ~lth tho prov!.ion. 0' tho
flOl""',hJn"r'. EIICH!!enCY /1ort'laoltl "'..latlnco Act 0' 1983 (the "Act"),
You m~y be 01i91blo 'or pm~rQ.ncv temporaty ~..lstlnc. l' your de'ault
hIS be~n cau.ed by circumstances beyond )our control, YOU hlvo a
reasonJble prospect of r~LUmlnQ ~our mort4age PiY~~nts. and If ~DU
fue~t uthor ellQlblllty reqUIrements estibll~ned by the Pen~iylYanla
Housln~ Flnanc.. AQeno:y, Please read all cf thIS NotlCl', It contaIns
a~ explanation of Your rIghts,
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PNCMORTGAG:
I'NC MOIITOAQI QOIlP, ", ,~o\
'.0, ... ClIIIOII
......, PloIldI >>,.
Und.r the Act, you or. .ntitled to 0 t.mpor.ry .toy 0' foreclo.ur. on
your ~.rtp.,. 'or thirty (30) doy. fro. the dot. of this Notic.,
Durin~ th.t ti.. YOU .u.t arrange and ott.nd . "foc.-to-fac." m..ting
with. r.pro.ent.tiY. of this l.ndor. .r with. de.i9not.d con.u..r
crodit cou.olinA .goncy, The purp... ot this Ro.ting i. to .tt.mpt to
work out. r.poy..nt pIon, or to oth.rwi.. ..ttl. your d.linqu.ncy,
Thi. ..oting .u.t occur in tho n.xt (30) d.y.. It you ottend . tac.-
to-fo~. ...tin, with this lender, or with. con.umer cr.dit coun..ling
.AenCy id.nti'iod in this notic., no furthor proceedinA in mortg.g.
for.cl..ur. .oy t.k. ploce for thirty (30) d.y. .tter the d.t. ot this
.e.tinA, Th. n..., addres., and tel.phono nu.bor of our ropro..ntotiv.
i.1
PNC HortA.Ao Corp. .t A..ric.
8240 NY ~2 T.rr.c.. St. 405
Hh.i, f'L 33166
T.l.phon. Nu.borf 1-800-736-9090
Th. n.... .nd .ddr..... of de.iAnoted con.u.er credit coun..ling .g.nci..
.r. .hown on tho athched .hoet, It i. 0 n ly n.c....rv to .chedu 1. 0 n.
f.ce-h-taco ..0tinA, YOll .hould .dvi.. this lendor i..ediatoly of your
intenUon..
lour ~ortAaA. is in defoult bec.u.e YOll have failed to p.y proaptly
in.t.ll~~nts of principal and intero~t, .. required. for a poriod
of .t leo.t .ixty (60) doy.. The totol o.ount ot the delinquoncy
i. . 1.944,64. Thi. su. includ.. the tollowinll
Honth. Po.t Duol A'RIL,HAY,AND
Lot. Chorl. A.ount.
R.turn Ch.ck r....
Hi.cellon.ous rO.'1
JUNE
75.64
,00
,00
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If YOU h.ve triod ond ore unobl. to re.olve this problem ot or attor
yo~r faco-to-foc. m.etino, YOU hoye the right to opplY for financial
..sistonce 'rom the Ho.eowners Emer"ency Hort"o"e A.sistonc. Fund, In
ord.r to do thi.. YOU must fill out, siln and fi10 0 complet.d
tluleowner's E.er"ency A.sistance Application with ono of the d..iAnat.d
con~U~dr credit coun.eling a~enci.s li.ted Dn the ittach.ent. An
~pplication 'or asslstan~e may onlv be obtained fro. a consumer cr.dit
counsuling agency, lhe consumer credit coun.ellng ag~ncy will a..ist YOU
in fl11lno out vour application and will submit your completed
8Ppll~~tlon to the PennSvlyanla HOUSing Finance Agency, Your applic.tiDn
mu!ol be filed or p05tl1larked Within thirty (30) rlilvs of your face-to-tace
meQtln1l.
OH323
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"
SHAPIRO AND KREISMAN
BY: NANCY A, WORTH, ESQUIRE
ATTORNEY 1.0, NO, 60596
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 360
BERWYN, PA 19312
TELEPHONE (610) 696-9240
S 8. K FILE NO, 95-8671
Federll Nltionel Mortgage Association
c/o P~C Mortgsge Corporation of
Amerlcl
568 Atrium Drive
Vernon HIIII, IL 60061
PLAINTIFF
TRUE COPY FROM RECORD
In Tesllmonv whereof, I here unto set my hMd
and the _seal 01 sai C,o at Carlisle, '1~ f
fhl' I (, lIa 01 tlll., 19~
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COURT OF COMMON PLEA~
CUMBERLAND COUNTY
NO: 1G..
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Brldy E. Helter and Karen L, Hester
432 South Fayette Street,
Shlppensburg, PA 17257
Ind United Stltel of AmericI
United Stltel Attorneys Office
Federl' Building, 228 Wllnut Street,
Room 1162, Hlrrisburg, PA 17108
DEFENDANT(SI
-0
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COMPLAINT. CIVIL ACnON
MORTGAGE FO.,ECLOSURE
NOTICE
YOU HAVE IEEN SUED IN COUIIT, IF YOU WIIH TO DEFEND AOAlNlT THE CLAlMlSET FO"TH
IN THE FOUOWlNQ 'AOO, YOU MUlT TAU ACTION wm.. TWENTY 1201 DAYS AFTU TIll
COMPLAINT AND N011CI AIlISUVED, IY ENTEIIING A WRITTEN AJIIIIAMNCI PEIlIONALLY OIIIY
ATTOIlNIY AND FIJNQ IN WJUTlNG WITH THE COURT YOUR DlRNIU 011 0"'C11ONa TO THE
CLAlMIIET FORTH AOAINIT YOU. YOU AIlE WAIlNID THAT IF YOU FAlL TO DO SO THE CAR MAY
PROCEED WITHOUT YOU AND A JUDGMENT MAY" ENTERED AGAINIT YOU IY THE COUflT
WITHOUT FUIITHIII NOTICE FOil ANY MONEY CLAIMED IN THE COMPLAINT 011 FOil ANY OTHE" CLAIM
011 REUEF "EQUESTED IY THE PLAlNnFF. YOU MAY LOIE MONEY 011 PROPEIITY 011 OTHE" "IGHTS
IMPOIITANT TO YOU,
YOU SHOULD TAKE THIS PAPEII TO YOUR LAWVER AT ONCE, IF YOU DO NOT HAVE A
LAWVER 0" CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN OET LEOAL HELP,
COURT ADMINISTRATOR
4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE
CARLISLE. PA 17013
17171 240,6200
SHAPIRO AND KREISMAN
BY: NANCY A, WORTH, ESQUIRE
ATTORNEY 1.0, NO, 50596
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695.9240
S & K FILE NO. 95.8571
Federal National Mortgaga Association
c/o PNC Mortgage Corporation of
America
568 Atrium Driva
Vernon Hills, IL 60061
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO:
vs,
Bradv E, Hest9r and Karen L, Hester
432 South Favatte Street,
Shippensburg, PA 17257
and United Statelll of America
United States Attornevs Office
Faderll Building, 228 Walnut Street,
Room 1162, Hlrrisburg, PA 17108
DEFENDANT(SI
,
Plaintiff, Federa' National Mortgage Association, the addre.. of which II c/o
PNC Mortglge Corporation of America, 568 Atrium Drive, Vernon Hills, IL 60081,
brings this Iction of mortglge foreclosure upon the following CIUS. of action:
1, (.1 PlrtI.S to Mortoloe:
Mortaaoea: Sears Mortgage Corporation
Mortaaoorl.I: Brldv E. Hester and Karen L, Hester
(bl Dlta of Mortaloe: September 29, 1993
(cl Place and Date of Record of Mortaaoe:
Recorder of Deeds
CUMBERLAND County
Mortgege Book 1169, Page 185
Date: October 7, 1993
The Mortgage is matter of public record and is Incorporated herein 81
provided by Pa, R,C,P, 1019/g), A true and correct copy of said
Mortgage Is attsched hereto as Exhibit" A" and Incorporated herein by
reference,
/dl Assianments: None
2. Plaintiff Is, therefore, either the original Mortgagee named in the Mortgage, the
legal successor In interest to the original Mortgagee, or is the present holder of
the mortgage by virtue of the above-described Asslgnment/sl,
3, Each Mortgagor named In paragraph 1 executed a Note as evidence of the debt
securad by the Mortgage, A copy of the Note is attached as Exhibit "B",
4, The real property which is subject to the Mortgage is generally known as 432
South Fayette Street, Shlppensburg, PA 17257 and Is more specifically
described as:
ALL that certain tract of land, being improved with a single family
dwelling house and various out buildings, situate In Shlppensburg Township,
Cumberland County, Pennsylvania, more particularly bounded and described as
follows:
ON the East by the Shlppensburg-Malnsville Public Road; on the South
by lands now or formerly of H. H. Hay; on the West by lands now or formerly
of Howerd H, Hoy; Bad on the North by lot now or formerly of Fritz Gleim; .lld
described lot having a frontage on the said Public Road of 80 feet and an even
depth from the center of the Public' Road of 250 feet to the land now or
formerly of Howard H. Hay, aforesaid,
BEING known and numbered as 432 South Fayette Street, Shippensburg,
Pennsylvania. Being further described a. Cumberland County Tax Plrcel No.
38.352388.039 on tha tax assessment records of Cumberland County,
Pennsylvania.
BEING the same premises which John Baughman and Martha I. Reed,
Co-Executors of the Estate of Cora B, Baughman, Deceased granted and
conveyed unto Brady E. Hester and Keren L, Hester, husband and wife by Deed
dated September 28, 1993 and recorded In the Office of the Recorder of Deeds
for CUMBERLAND County on October 7, 1993 In Deed Book 038, Page 877,
5. The Name and mailing address of each Defendant Is: Brady E, Hester and Karen
L. Hester, 432 South Fayette Street, Shlppensburg, PA 17257 and United
States of America, United States Attorneys Office, Federal Building, 228
Walnut Street, Room 1162, Harrisburg, PA 17108,
.r
6, The Interest of each indivIdual Defendant is as Mortgagor, Real Owner, or both,
7. The United States of America '" USA") Is a Defendant by virtue of a Judgment,
lien, or other interest in the Mortgaged Property, Evidence of the USA'I
Interest Is attached as Exhibit "C"
8. The Mortgage II in default because the monthly Installments of principII and
interest and other charges stated below, all as authorized by the Mortgage, Ire
due as of April 1, 1995 and have not been paid, and upon failure to make such
paymentl when due, the whole of the prinCipal, together with chlrgel
speCifically Itemized below are Immediately due and payable,
9, The following amounts are due as of DECEMBER 16, 1995:
Principal of Mortgage Debt due and unpaid
$70.304,69
Interest currently due and OWing at 7.500% per annum
calculated from MARCH 1, 1995 at $48,82 each day
LIIte Charge of $24.90 per month
e..essed on the 16th of each month
.14.206,62
.225.06
Attorney's Fees
TOTAL
tBOO,OQ
.auuz
10, Interest accrues at a per diem rete of $48,82 for each day after DECEMBER 18,
1995 that the dabt ramains unpaid, and Plaintiff maV incurr eddltlon.,.ttorn.y.
fe.., a. well as other expenses, COlts and charges collectible under the Note
and Mortgage,
11 , The original prinCipal balance of the Mortgage exceed. Fifty Thousand 0011.'1
1.60,000,00). Accordingly, Notice of Intantion to Foreclose pursuant to 41
P.S, I 403 Is not required,
12. Notice pursuant to the Homaowners' Emergency Mortgage Assistance Act of
1983, 35 P,S, I 1680.402c,l1ug., was sent to each Individual Mortgagor by
firat-cia.. mall, Copies of the Notice are attached hereto 81 Exhibit "0"
~
TOOETHER WTnf all . ...lprovemm" now or hereafter __ -, the propeny, and all _11I11,
appw1elllnc:e., and IinllnlllOw -. herelller a pan 01 lhe property, All repI_Il,ea" and addJl/olll allallallo be coYIIWII
by W. Security Il\I1nJmml, All 01 !he 10rw8Qin. iI relerred 10 in lhi. Securily IllI\rUmenl u \he "Property,"
BORROWER COVENANTS thaI Borrower is lawlully aeiaed 01 the .... hereby conveyed and IIu the ria/l11O
mortp.., Jtlnt and convey lhe Property Ind lhal Ihe Property i. unencumbered, ncept lor mcumbnncea 01 record.
Bomiwww.mn.. Ind will defend aeneraJly lhe lil/e 10 Ihe Property lpilllt all claim. Ind demlnde, aub;en 10 Ill'
encum bnllCell 01 record.
11fIS SECURITY INSTRUMEm' combinea unitorm covman.. tor nalional uae and non\Jnitorm covllllllII.llb
limited vari.IiOlll b, Miadlmon 10 ClOIlIIllulI a unitorm -.utily IllI\rUmml coverin. real property,
UNIfORM COVENANI'S, Borrow... Ind Lender covenant Ind larce II tollowc
I, hymeat ot Prlaclpel.ad lalerell; Preplymeatud Lall Char.ee, Borrower Ihlll promplly S-y when d..
the principal ot and in.... on the debt evidenced by the Note Ind any pres-ymentlnd 1111 chlrsea due under the Nola.
1 Puadl for T.... .Id laeunlee. Subject 10 Ipplicable II. or 10 I wrillen waiver by Lender, Borrow... abaIl
l'I1 10 Lender on \he ct., monW, s-ymmts I,. due under Ihe Note, unlillhe NolO iI S-id In tull, . lum ("FundI") lor:
(I) yearly ".ea Ind -men" which m.y lnain priority over thil Securily IllI\rUmmt u a lien on Ihe Propenr, (b)
Yearly I_hold s-ymenll or lI'Ound I'm" on Ihe Propeny, il any; (c) yearly hazard or propert}' illllll'lnc:e prwmlllllll;
(d) yearl, nODd IIlIUl'IIICe premium.. il Iny; (e) yearly man.... illllll'lnc:e premium.. it any; Ind (t) any auma S-Jlble
b, Borrower 10 Lender, in accordance willi the provisiona ot s-nlJ'lp/l 8, in lieu ot the pa)'mml at mon....llllllrlla
premiUl'lll. The.11ema 11'I called "FActow hem.." Lender may, II any lime, collect and bold Puncla In IIIlmOlllllllOl
10 e~ the mulmum .mount a lender tor. tedel'llly RII\ed man.... loan ml)' requirw tor BoiToww'. _.
lOOOUllI under the fodenl R... EataIO Senlemmt Procedu,.. Act 01 1974 II amended trom Ilme 10 tim.. J:l U.s,C,
Sec:tioa ~I .,,.,,. ("RESPA "), unJ_ another IIW thatappliea 10 the FuncIa .1111_ .mount. It 10, Laodar ma"
1111I)' lime, collect and hold Punda In In amount n0110 e.c:eed Ihe 1_ Imount. Lender may estimllO the amounl at
Funda due on the bui. at Cllmllt de.. and reuDnable eslima_ at erpendilllnl ot tUlure Eacrow hem. or ollllnri.la
looordance willi applicable law.
n. Fund81111111 be held In an illlliMion whoee deposill Ire IIlIUl"Od by I tederal apncy, ll\l1nJmenlllll)', or 1lI1il)'
(jncludi~~, it Laodar ilauch an illllitution) or in any PederaI Home Loan Bank. Lender shall IppI)' the I'IIr* 10
pa, the w hem.. Lender mlY not char.. Borrow... lor holdin, Ind Ipplyin. lhe Fundi, IMUIIly 1IIII)'Iilllthe
-. account, or veritJiIll\he FActo. hem.. unJ_ Lender pay. Borrower inlerwl on the PuncIa and applicable Ja.
~i_ Lender 10 mab auch a charp, However, Lender m.y require Borrower 10 pay a olll'1ime cbarp tor III
100.. .te..t naJ 011I11 III l'Wportilll wvice I.-d by Lender in colllllClion with WalOlll, unJ_ .pp1lcablelaw proYi"
olbanria, Un/OIl an IINImlllt ia made or applicable II. requirea inlenln 10 be paid, Lender 11IIII1 no' be raquirad 10
pa, Borrow., any Interall or III'IliDII on \he Fundi. Borrower and Lender mlY lpee in wrill"" ho.ever, 1III,lnterall
all be paid on the Puna Leader ahaIl live 10 Borrow..., withou! charp, IIIlMuaJ lllCOunlill. of !he PundI, ahawilll
c:ndi_and d8bi" 10 the Punda and the IlUl'lIC* lor which each debillO the Punda WII made. The FuncIa .... p11d&ed ..
addilioaaJ IlICUrity tor all aum.1IClnd b)' IhiaSecuriI, IllIIlIIment.
U the Funde held by Lender eroeed \he amounta permitted 10 be held by Ipplicable law, Lender ahaIl-.ntlO
Bo. IV." for the e__ Punda in ~ with the requiremlllll ot applicabl,la., lithe amounl at the FundI hald
b, Leader a' lilY lime Ie not aumcientlO pay \he &crow llama when due, Lendar mlY 10 nolity Borro.. in wrili....
and. in auch - Borro.... ahaJl S-)' 10 Lender the amounl n~ 10 mate up the deficiency, Borro.. ahaIl mab
up the cWiciency in no more Ihaa t..va monthly paymenll, II Lender'a IOle cliacrelion.
UJIOft payment in tull at a1laum. eecured by W. Securily llIIIrUmenl, Lender ahaJl promplly retWld 10 Borro....
an)' Pinda held b, Lander. II, under para....ph 21, Lender ""II aoquire or aellthe Properl)', Lender, prior 10 Ille
lClquiailion or lIIe 01 the Propen" ahaJl Ipply Iny Funcla held by Lender alllle lime at ac:quiailion or .... II a credit
apillllllle IUlIII-..! by Ihia Security lnatrumllll.
J. Appllcatloa oIh,mnta. UnI_ .pp1icable I.. providea olherwi., all paymen" received b, Laodar under
flII'III'IllM I and 2 ahall be applied: iii'll, 10 Ill)' prepa)'ment charpa due under the NOli; IClCOIld, 10 11II__ S-Jlble
IIIlder pIrIJrIph 2; Wrd, la la.... cIua; tourth, 10 pnncipa/ dill; and 111I, 10 Ill)' lall chupa due under the Noll.
... CIl8r...; LI.... Borrow... ahaJl pay all 11I-. _menta, char.... lillll and ImpoailiOlll anribullbl. 10 \he
Prope.I)' whicbllll)' anala priority over W. Security IlIIIrUment, Ind lea.hold paymen" or lI'Ound I'IlIII, it Ill',
1Ioriv.... 11IIII1 pa, "'- oblipliOlll in the mlMer provided in paralJ'lph 2, or it nol paid in that ma_, Borro..
ahaIl S-)' them on lime direclly 10 the potIOn owed pa1mmt. Borrower ahall promplly tumiah 10 LencIer all nollOll at
amounlllO be paid under W. parlanp/l, It Borrower makea\heae s-ymenll direclly, Borrower shall promplly tumiah
10 Lender receip18 evidencin, !he s-ymenll.
Borrower shall promplly diachar.. Iny lien which IIu priorilY over this SecurilY IllIIlIImenl unl_ Borrower: (a)
aare- in wrilin, 10 \he s-)'ment 01 the oblilllion secured by Ihe lien in a maMer Ic:cepllble 10 Lender; (b) con"'ln
load lalllI llIe hen by, or detends apilllt enforcement ot the lien in, lep' proceedin.. which in the Lender'. opinion
operate 10 PRVentthe enforcemenl or Ihe lien; or (c) secures trom Ihe holder ot Ihe lien In alreemenl salisflC\Or)' 10
Lender subordinalinlthe lien 10 this SecurilY Inslrumenl. If Lender determin18 Ihll Iny pan ot Ihe Propeny i'lUb;en
10 I lien which may anlin priorilY over lhis Securil)' Inslrumenl, Lender mlY live Borro\lo'er I nolice idenlilYinlthe
lien, Borrower shall salisfy Ihe lien or take one or more or Ihe ICliOIl5 sel lonh above wilhin 10 days 01 the aivinl 01
nolice,
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5, ttllud or Property' uee, Borrower shall keep the ImprovI ,. ~ _ .linin, or herwlllf W\N1IeI lift
lhe Property iMUred apIll11l00..~y 'ire, hllarcla lnchlded within the Ierm '~.1WlCIed covwa.. ancI.ny olllll''''''''
Includln. nooda or noodln., 'or which Lender requirea lnaurance, Thl. lnaurance IIIalI be m.lntalned In the amoun_
.nd 'or lhe perioda lhal Lender requlrea, The lnautance c'rrier providln,lhe lnaurance aII.11 be claM by Bonow..
.ubject 10 Linder'. 'pprovll which 11II11 nOI be unreuonlbly wilhheld, If Borrow... '111'10 maintain coverq. clIKribed
.bov., Lender mly, II Lender'. oplion, obtain coven.. 10 prolecl Lender'. ri"'lI in the Property in ~ wilb
,*,Il'Iph 7,
All inaunnce p>llci. Ind renewl" IhllI be 100001lbl. 10 lender Ind ahalllnclude I 'Iandard mort.... cla~
lAnder Ihall have lhe ri.11I 10 hold Ih. politi. Ind ren,w.I., If Lender requirea, Borrower ahaJl promptly ti.. 10
lAnder.1I receiPllo',paid prtmium'lnd ren....1 nolicea,'n the .venl of I~ Borrower ahall liv. promplnotiOl10 the
inaunnce carrier and Lender, lender m.y mlk. proo' of 1011I if nOI made promplly b, Borro..er,
UnI_ Lender Ind Borrower olhcrwiae lane In writin., lnaurance proceeda ahall be 'pplied 10 IWIOtalion or rep.ir
of the Propeny daml..... If \he f'llS\Otalion 0' repair is economically f_bl. and Lender"_uril1 i. nolI -.4 Uthe
IWIOtation or repair I.nol economically feasibl. or lender"lllCIlrilY ..ould be I~ the inaurance pc~ J.. ahaIl be
'pp1ied 10 Ihe IUma IllCUred by 1lIi. Securily Insttumenl, whether or 1101 then due, willi .ny ...... paid 10 Bonow... U
Borrower .bandona the ProperlY, or do. nOIIn.swer willlin JO de,. . notice from Lender thaI the inauranoa c:vrl.. "-
offered 10 _nl. a clllm, lIIen Lender m.y collect \he In.sunnce pc~ Lender m.y IIIIl Ih. Proc:eedIIO npir or
IWIOre Ih. ProperlJor 10 pay aum.lICured by lhi. Securily IMttUmenl, whether or 1101 then due, The 3O'da, pwiod will
beiin when the notillllaliven,
UnI_ Lender Ind Borrower olherwi"'ane in wrilln., any 'pp1ication of f:oce.dro 10 principalslWllIOI el1end or
poMpoM \he due dall 01 the monlhly paymenll re'erred 10 in ~~Pha I.nd or chanp Ihe .mounl allbI..,mllllll.
If uridar ,*,anph 21 the Property I. .cquired by Lender, w..'. ri,hl 10 any lnaurance pollci. and plo.-dl,
reaullin. from dam... 10 III. Property prior 10 lIIe acquiailion .haIl "'10 Lender 10 lIIe emol of the 1IIlll8 -.:ured b,
W. SecUrily Il\ftnImenl immedillelf prior 10 the I<lquiaition.
6, Occupaac,. Pn.rvalioD. M.iDleDUOI.ad Prolec1loa 01 Ib, Propenr. Borrower', L~. Appllcalioa;
Leaaebolu. BorrOwer ahaJl occuPy, cetabllah, .nd IIIIl the Propert, II Borrower', prillCipeJ R8idenoe wllbllllillJ cia,.
aher the .ucvtllIft of uu. Security IllIIrumenl .nd .hall COlltlnue 10 0CCIIp)' the 1\0"", If II Bonowar', prillCipeJ
re.iclence for 111- 011II year Iller the dale 0' occupancy, unI_ Lender olherwi.. ear- In writina. whicb c:oc.enl lhall
nol be unreuonably wllllhelcl, or unJ_ enenllllin. circumlllncel eli8lwhich are b.lyond Borrower'. control. Borrow..
ahallllOl cIeetroy, daml" or impair the Propeny, .1I0w lhe Properl)' 10 de\eriOtate, or commit WIlUl on IbI Ptop.,l,.
Bonow.. ahaJl be in c1ef.lllI1f any forfeilure KIIon or pm: Jjn.. whether civil or criminal, I. betun thai fa J..eiider'.
aood f.lth Judamenl could rwull in 'orfeilure of the Prop.. I, or othenri_ m.lerially Impair the lien crated by uu.
Securil}' IlIIIrUmenl or Lender'. IlCUrlly In\eniIL Bomiw... m.y C1ItI auch . c1ef.ull and reillltete. . proy/cIad fa
I*III'Iph II, b, caUliIll IbI KIIon or proceedllll 10 be diam'-:l wllb . IUIIDI lhal, in Lendar'. IlI\Id fa/Ill
clel.eimfnation, precludal forfellllre of III. Borrow..', inlerelt In the Propeny or other m.t.erlallmpairm.t aI tbe lilll
c:rwted b, uu. Securily IllIII\Im.I or Lender', aecuril}' interwt. Borrower ahailllao be in c1ef.1II1 If Bcx.utl... dwilll
lblloan 'pp1lcation ~ pve mllerially fal_ or inaocunte Inform.lion or lII\emente 10 Lender (or fa/led 10
provide IAtidar with an, m.IIl'i.1 inform.lion) In connection with the loan evidenced by the Note, includllllo but 110I
limited 10, rip. .1I1i_ concemilll Borrower', 0llCIIpInc:y of the Plor-I, . . prillCipeJ relidenoa. U tbJj lIecurity
IlIIIrUmenll, on · IlIIIIlold. Borrow.. ahail compl, willi all the proYial_ of the 1_, " Bonow.. ac:qui,. f. tid,1O
the Proclem. the leuehoId .nd IbI fee Iide ahailnot merp unI_ Lender 'f-IO the meraer in writln..
7. Jtrot.ctfoa of Leader'. Il,bllla lb. Propeny. " Borrower fllla 10 perform the covenante and ..-mente
containeclln uu. Security IllIItUmenl, or \here i, . lepI prn [ till thaI m.y ailllificanlly .ffect Lender', rip_In tbe
Ptoparay (auch ~ · proceedjn. in bankruptq, probate. for COl*mnalil)n or forfeiture or 10 enforoa Ia.. or
..Ii_), "*' LwldIr m.y do and pa, for whatever I, ...... fJ .. prvtect the wlue of the Prope.1J and . "ll'1 '.
rlallte In the Plot-It, 1Andef', KIlo", m., IncludI payin. any IUIIIIIICIIrId by . lien which "- priority 0" uu.
Slaurity IlIIIrUmllll, '..-nlllln court, pari", ,....b1. .nome,.' f_ and enlll'i", on the Prope.l, 10 mab npin.
A1dlou", Lendar 11II' tab lCIion under thIe para"..... 7, lAnder cloeI not have 10 do 10,
Any .mounte d1tbuned by Lender under W, ,*,anph 7 ahaIl become addilional debt of Bonow... -.unci b, uu.
SecuriIY IlIIIrUmlllL UIII_ Borrow....nd Lende; ,,,. 10 other '-' 01 pa,menl, Ih-. .moun" ahaIl bw 111__
from the date of di'bunam.1111bI Note rate and ahaIl be fle)'lbl., with Inlerell, lIpOlIlIOtlce from Lender 10 Borro...
~1lI"YmenL
I, Mon..,. I..uraa.., If lender required mon..ae lnaunnce II. condition of m.kin'lhe loan -.unci b, IhIII
Securily 1IIIIrUmenl, Borrower ahail pay Ih. premium. required 10 melnllln the mortp.. inaurance in "'lei. U. for an,
reuon, Ihe monpae illlllrlnce coven,e required b, Lender I.... or _ 10 be in effect, BonowII' ahail .., the
premium. required 10 obtain covm.. aubsunli.lly equiv.lenl 10 lhe mon.... inaurance prevlowly in eftlCl,.I. COlI
.ubltanli.lly equlv.lenl 10 the COI\ 10 Borrower of Ih. morteaae insutance previoUlly in effect, from an alternate
mon,I" in.surer .pproved by Lender, " sublnantillly equivllent monea.. insutance covenae is nOl .vall.ble,
Borrower .hllI pay 10 lender each month I sum equal 10 one"u.'ellth of the y..rly mon,l,e insurance premium beln.
paid by Borro"'er "'hen the insur.nce cOI'erlle Ilpsed or cused 10 be in ettccl, Lender "'ill .ccept, use.nd "tain 11I_
paymenll U I 1011I reecr,'e in lieu of mon,.,e illBurlnce, Lo..s reoerve pI)'mcnl.! m.y no lon.er be required,
<<:zt. -eRlPAJ .ltOlI
XClIafD~AC ,01
F.. I~~ J
1"ltlll&r"~
I( pi
"". .rl
~:o;11fW FAC: 1~7
"
.t the opdon 01 LenclIr, If m - "11lIIIn_ ooven.. (fn the .mOllllt '., .r the period thet Lender ,..pIW)
provided by III IlIIUl'W .pprow.. "y~ .pla beoom. .vellabl. .nd II ob.alnecl, Bonow., ahaIl pay the pnmlUIM
required to maintain mortp.. IIlI\InIICI In .,fact, or to provide . I~ ~o until the requirement for motlpfl
1- anda In IlXIOtdance with .ny wrinen 'lJ'WlIIent between Borrower and Lender or .pp1luble I..,
" IUpec1loa. lAndar or IlI.pnt m.y mw RIIOnable entri. upon and Irwpectiona of the Propert,. Lend<< ahaIl
pve Bono.., notice at tile ~~ ~or to III Irwpeetlon apecif)'ln, ~b1. ca_ for the Irwpectioa.
10. Coademaatlotl. Tha of .ny ..1Id or cl.im for clam.... dI~ or ~uentill.ln oolllleCtion .Ith
III' ooncSamnation or othlr III of any part 01 tile Propen)'. or for oooveyance in lieu of condemnation, are hen'"
lllianed .nd ahall be paid to Land.r,
10 tIle.veat 01 . total takllll of the PMpan)'. tile p.ooeoda ahaIl be Ippliedto tIle.um. aecurecI by thiI Secwity
Innrument, whether or not then dua. wllb .ny C1~ paid to Borrower, In the event 01. pIrti.1tatilll of the Propert, 10
which the f.ir martet valua of the Property immedi.tely before the latin,lI equal to or INlier than the .mollllt of the
sum. aecInd by W. Security Il\IlrUment immedl.tely before the latin.. 11III_ Bono.., and Leader otharwl.....
in writina. the .uma aecurecI by thiI Security lnatnlment ahaIl be reduced by the .mount of the frlooeecla multiplied bJ
tile followin, fflCtion: (.1 tIletotal.mount 01 the sum. aecurecI immedi.tely before the takln.. divided b, (b) the fair
marbt valua 01 the "ope. ty immedl.teIy before the latina. Any balance ahaIl be paid to Borro.er, In the aVWIt oIa
panilllltilll of the Propelty in .hich the fair market velua of the PropartJ Immedl.teIy before the takilll 181_ than
the .mO\ll\t 01 the auma -..d immedi.teIy Wore the taklna. 11III_ Barro.... and Leodar otherwi. ..,. 10 .ritilll
01 unI_ .pp1lcabl. I.. otharwi. providaa, the pcoceecllo ahaJl be .pp1led to tIlelllma aecurecI b, thIa Secwity
Innrument whether or not the 11Im. .re then due,
" the Pi~ l)' i. .bandoned by Bonow.. 01' if, .fler notice b, Leader to Bono.. that the oondemnor 011.. to
meta .n ...nS or .tt1. . claim fOl' dam.... Borrower faila to reapond to Lender .Ithin 30 cla,. after the dell the
notice i. pven, LcncIer i. .uthorized to collect and .pp1y the pc <I -to, .t III option. either to reatontion or repair of the
Propelty 01' to the sum. -..d by thi. Security IllItlUment,.hether or not then dill.
VIII_ Lender and Bono.... othenri. .pee in writin.. .n, .pp1ication of pcoceecla to principal ahaIllIOt atend 01'
P*JlOIla tile dua data of tba monthl, peymenll relerred to io pananpbl I IIId 2 or chanp the am_t 01 aueb
paymenta.
II. Borro.er Not RaIeue4; Porbear.oce B, Leader Not. W.lver. EItaoaion 01 the time fOl' paymlllt 01'
modincation 01 amor1iJation 0I1ha aum. aecInd b, W. Security Innument Jtlllled by Lender to 10' ... : .. la
io__ of Barro.... ahaIl not os-ata to rel_ the Ii.bility 01 the oriaioal Borrower or Borrower'. 11- .. io
in...... lAndar ahaIl not be required to oomm_ pcooeedlnp .pllW1l11' .. . In inca.t or ""- to mend
time for payment 01' 0___ modify .moniutiOll 01 the IIIlM -..d bJ thiI Security IlIIVUment b, ~ 01 lilY
demand made b, 1ha oripnal Borro... or Borro......". -I in In1lnl1. Arq fOl'beanoc:e b, Lender In-aalll
IIIJ riabt 01' remedy ahaIlno1 be. waiver of or preclude the ...-a. of 10' rilbt 01' rem"'.
12. IlK r III an ... Aul... Bouad; 10lDt IDd S.veral Llallllltr. CcHlp... Tha ClOVlll&llll and ,-lIIl1
01 thi. Securi., fanumlllt ahaIl bind IIIIl benelit the It. .... IIId ...... of Leader and Bonow.... subjlGt to the
proviliona 01 puqrapb 17. Bonow..'. oovenaollllld 'peemenlll ahaIl be pnt IIId IIVWII, Any Bono... who ocnipl
thII Secwity lnatrumlllt but do. not .1llCUlI tba Note: (.) ia oo-.lpllll thII Security IlWtnIment onI, to marf&III,
pDt and -ftY that Bono..... Incer.t In tba Propa. ty 'under tba terma 01 thiI Security InatrUman1; (II) Ia DlIt
1*'IOlIII1, obllptlld to pay 1ha ... aKUred '" W. Security IlII1lUment; and (e) ...... that Lender and 10' odlw
Borro.... ml, .... to meacI, modiI)', forbear 01' make any IOOOmmodatiOfll .ith nprd to the term. 01 thiI Secwity
InacrumentOl' die Nota wlthou1 that Bono...'._t-
IS. Loaa a.ar.... If the 1_ -..d by dlIa Security IlllItnIment I. subject to I Ia. .hlch aell mulmum 1_
dlarpa, and dlat Ia. Ia IIlIIIly IlItarpntad m tIlet tba In.... 01' 01Mr loan cbuJaa oollactad 01' to be oon.ctad la
__doe with the 1_ IIIIIId the parml1tad IImlta, then: (I) lilY aucb 1_ charp..... be reduoecI bJ the am_t
r ., to raduoa tba cbaqa to the perml1tad limit; IIId (b) IIIJ _ II.....' ClOIlec:tad fl'Dlll Bono... wIIIch
e,-.s.d permitted IImill will be nIuadad to Bonow.... lAlIdw m., ~ to mab thiI reIund bJ raduoilll the
principal owed UlIder the Nota 01' bJ matlna' direct payment to Bono...,lf . reluad redlll* principal. 1ha Nduction
will be tAIled.. partill prepayment wlthoU1I11Y prepaymen1 charp under 1ha Nota.
14, Notlcee. AIrt notice to Borro.., provided for in thIa Security IlIIlrIImmt ahaIl be PVll\ b, daliverillllt 01' bJ
mailillllt b, fim 01.. mail unI_ '~CI~e I.. requil'lll UlII of II\Other me1hod. TIla notica ahaIl be dlNClId to the
Propo..lY Aa.tr. or III' other.dd .. wer deaiplea by noticelG Lender. An, notiOlto Lender ahaJl be Ii- b,
rim cl.. mail to Lender'. ~ ltated hereia or lilY other ~ Lender deaiplll by notice to Bono.... An,
notice provided for in W. Security fnstrUmenllhall be deemed to h.ve been pven to Borrower or Lender when p_
u provided In thi. pananph.
15, GovenlD' La.: S.verabillty. nu. Security InstrUment shall be aovemecl by fedenll.w .nd the I.. of 1ha
juriadiction in which the Ptoperty i.located, In Ibe evenl thatlny provision or cl.uae or this Security fns1tUmen1 or the
Note confliC1l wllb .pplicable I.w. lIUCh conflict ahaIl not .ffect other prDvisiol\l of thi. Securily InstrUment or the Note
which un be liven eflect without the conflictin, pro"ision, To this end the prDvisiolll of lhis SecurilY lll8tfUmenl.nd
the /l:ote Ire declued to be severable,
~ -eR(PA) r,lOII
,... .. .f .
ltCII01DAADO'
F_ 1Ia? uJ.
l"ltl.~
rl;J
~OO' 1 HW f~GE 188
16. >>0"0.'" . Co". Bo' .rlhall be Ii ven one oontormed copy 01' , ,..nd ofthl. Securi I' IlWIrIlment.
11. Traut. 01 ilia Prop...., or I B..eflcIlIIDte"nl. Borro..,. " 111 or an, put of tha PtopII1, 0I1lIJ
lnl<<ell In h illOId OIlIanIIarred (or II. benelicllllnterwt In Borro....I.lOld or lIanIIemd Ind Borro.II' i.lIIIIl
1lItur11 perqI) .ithout Lender'. prior .ri<<en COIllellI, Lcnclcr ml" 11111 opllon, requifW Immedilte pI,menlln I~I of
111 IUma IK\nd by thIa Securil, IllIlrIImenl, However, thIa option .hlll not be uercllllld b, Lender II elercill iI
prohibited byledanlll... of the dale 01 W. Securily IllIlrIImenL
"lAIIder .Iwei. thIa opdon, Lender lhalllive Borrower notice ollcceleration, The nollce ahall provide I period
of DOl 1_ than JO da)'llrom till dale Ihe nOlice il deliverecl or mailed .ichin which Borrower mUll pe, llIlUme__
by thIa Sacurity IlWIrIlmlllt.1r Borrower '111.10 pi' Ih_lUm. prior 10 tho upintion 01 WI period. Lender mlY inYOb
Ill' remedi. ponnltl8d by thlaSacurilY IllIlrIImenl.ilhoUllunher notice or demand on Borrower.
II. Borro.er'. Rip. '0 RelDlllle, "Borrower meell cerIIin condillona, Borrower lhall have the ri~. 10 have
enforcemenl 01 W. Security IllIlrIlmenl dilODntinued II In, lime prior 10 Ihe earlier 01: (I) 'cIa)'l (or luch olhlr period
.. .pp1lcabl, II. ml, '!*iI, lor reinl1llemenl) before lIIe 01 till Propeny pUl'lll&l\11O an, po.. 01 ilia oonlli....ID
thla-Secwily IllIlrIIment; or (b) entry 01 I iudlmenl enforcinl chi. Security IllIlrIImenL Th~ c:onditiona ItI thaI
Borro.er: (I) pI)'I Lender IIllUm. which then would be dUll under chil Securily InstrUmenl and the NOle .. il no
lllIlIIention had oocumd: (b) CIIrM any dellull ollny other CO_II or lareemenll; (c) pI)'I11I elpenIM IlICIIrI'8d ID
enforcilll W. Security IlIIInIment, includinl. but nolllmited 10, ~nable Ittorne)'l' 1_; Ind (d) llke.1UCb ICtillllM
lAftdar ma, _b1, twqIIil'110 IIIUnllhllth,lien 01 W. Security IllIlrIIment, lAIIder', ri&!lll in the 1'10.-1,11III
Borro.er'. obllption 10 ply the IUm. aecurecl b, W. Securily InallIImenlahall continue unchanpd. Upon reinatatem.1
by Borro.er, thIa Security IrlIlrUmenllnd the oblipliolllllllClll'Od hereby ahall remain lull)' ellective u if no lllIlII....dOll
had oocurred. "0.1YII'. thla ri&hllO reinl1lleahall nollppt, In tho ClIO ollc:c:elention under pItIlnph 1"
19, 5.1. of Note; Clwap 01 LoaD Servicer. The Nole or I paniallnlere8l in the Note (toptber .ith lbla SecurilJ
IlIIInImenl) ml, be IOId one or more timm withoUl prior notice to Borrower, A ale ml, resu1lln I chanp in tha endlJ
(kno.n..the.Loaa Servicer') thaI collecu monthl, pI,menll dUll under the Nole Ind this Security IlIIlnIm.t. Then
aIIo ml, III one or more chanpa 01 the Loan Servicer unrellted to a lIIe 01 the NOle. Ir there ill chanp oldie LoIn
Servicer. BomI.II'.iII be pvaI written notice oldie chanp In IOOlIl'danoe with panlnph 14 lbove and .pplicable II..
The notioe willlllle the name and addR. 01 the new Loan Servicer and the I~ 10 which pI,menll ahouId be made,
The IlOtiOll.iII aIIo OIll\lIIn 10' other informltion required by.ppticable la.,
.. "'''''OUl Su......-. Borrower lhall nol came or pennlllhe pc III 100, me, dl...-J, IIOnp, or re1_ of
IlIJ HuanIoua Suballaaee oa Olin the Frot-II. BonowII' ahaIlllIIl do, nor allo. an,ooe dlllO do.IIIJl\11l11affacdlll
lbe I'I~ tJ dIa. iI iD vlolldOll of any Environmenlll La., The ~1lI two _Ilene. ahaIllIOuppI, 10 that" ......,
'-- 01 ..... on lbe Frope.ll or amall quantiti. 01 iIuardow SublllncM thaI are aeamJl)' recopi_ to III
IIIIIfOIIrialelononna1l'11i_liI1 ~ wlO maintenanoeofthe PropwlJ,
- - Barro.......1 promptl, pft Lender written notice of Inylnvealiplion, claim. c1emand,I....1 or odlwlClbt '"
IIIIJ IlJ'WlII'IIlIllll 01 ,.wlorJ IaencJ or privale panJ illvolYilllthe Frope.lY and InY Huardolll Su-"- or
Envil'Ollftlenlll La. of whleb BorroWeMlu aetuII kIlO.ledp, " Barro.., 10U1lI, or i. nodfted '" an, IOMlUftclll or
,..w'lor1 .UlhorIty, tha. anr removal or other remediltion of anr Haurdolll Sullllua alfactllllthe PI.....I, iI
,..... .,. BomI.... alIaIl prumptly like 111-., remedill acliOlllln IIIlCOrdanoe willi Bavironmenlll La..
M mad ID Ibi.a JlU'III'IIlh JI, "Haurdolll SullltallCOl" 1tI.oo.lUbIlI~ defined "lOllc 01 haardoua ......, ...
'" Environmllllll La. 11III the 101l0wln,lUbIlIncea: auotine, terOlIene, other nammable or IOllc petrolaum producta,
IOlic ~_ and herblciclea, volatile IOlvenll, mltoriall COIIlIInilll ubMlOl or lormaldehyde, and radioactive
metori.... MIIIId In thIa panpaph JI. "Environmenlll Law" m_ IecIeraIla.. and I... of the juriediction whn the
Plot- tJ illocalId dial relate 10 "'lh, "'IIY 01 environmenlll pnllIctioa.
NON-UNJIlORNCOVBNANI'S. Borrow. and Lendar lurlbaroo_. and.pw M 10110n:
21. AIa....loa; 1111II41... Lad... .....1 ,Ive Do.lelI to Borro.., prior to _Ienlloa follo.Ia,
Borro.... ~ aI.., CO""'I or lpee_' I. .1111 Sacuri., IDlln_' (It.. .01 prior to _.......
..., penln" .,..._ Ippllcabl.I.. providca 0111....1..). Ln.... .ball Do.iI, Borro.... 01, lIftoa, ~
'~p: (.) 1M ...,..It; (b) lIleactlOD nqulrM to cun .11. dol..ll: (c) .b.1l .b. dlllUl1 m... III c--': ... (')
.UI I.U.,. '0 cun ilia "'1.1. u .pecifled mlY rcaulllD .ccalentloD 01 .b. .um. _und b, a.. 'Inri',
lutrv_e. 1_1_ b, judicii. pr~ID' ..d ull of .11, Propert,. Lader .un lunMw Worm
Borro.. of .1Ie rip. '0 nl.....te Ir.er locelenlioD 'Dd lb. rllll' 10 ._rt ID Ibl I_loeun pr-'Ia,.ta.
Doa...iIIncIa of . dol.ul. or ID, olber delOllIl or Borro.er to _len.loD 'Dd I_loeun, If ... ..,....11
DOl cunei u 'Jll'CIfIad. LeDd., 11111 oplioD. mI)' requlfW Immedllle plymeD' ID lull 01 In.um. _und b,
Ibil SacurilY lutrum... .llIIoul rurtbcr dem.nd IDd m.y I_lOll Ibll SecurilY IDnrum'DI II, judicial
pill 'II diDl, Lnder lballlll 'DII.led '0 collecullnpeDIOI IDcumd in purauinl.ba ram.di.. provldedlrl ala
PU'lrlpb 21. iDcludlnl. bUI nOlllmiled 10, .1I0rlleYI' leeI IDd COlli or 'llIe evidence 10 Ibe eUen. permitted
by IppliQblell.,
22. R.lcalO, Upon paymenl 01111 sume secured by chis SecurilY Instrumenl, chil Securily InstrUmenllnd the estale
conveyed shill lerminale Ind become void, Aller such OCC'Ilrrenol, Lender shall diechar&l= Ind lltisly WI Securil,
InstrUmenl "ilhoUl charee to Borrower, Borrower shall PlY Iny recorclation casu,
c:::t\ -SAIIAJ II'C'1
'.....f.
XCU0'7D.....10I
-~
."ltl
l~iI
tcici,tH19 rj~E 189
23. W.!v.n. Bono.... ' .~ .ltalt perminld by Ipplicebl. II., , J IIld reI... Iny lITOI' or cWlClI in
proc.,.,djnp to IlIfClRllIh/I s.cu...y IlWlrumllll, .nd henby wliVIIlllt benalu of lilY ~t 01' future II.. pnlYidllll
fOl'IlIY of eueut/Oll, lIlInIion of time, elemptlon from .tuchment,leY)' Ind "e,1Ild homea1eld .Iempl/on,
24, R.I,D.....m... Period. Borrower'. tlm. to relnnale provided In plttll'lph 111haJ1 el'lend to one hour priOl'
to the commlllOltnlllt of bidclillllt. aharlfr. .1. or other lIle PIlmIInIIO 11III Seeurity IlIIltume,".
11, Parc!laa M..., Mon,.... "III, of the debt IeCUred b, WI Scuril)' IlWlrument i. lent to Borro... to
II'qUire tit/.to the P'''roo11, W. Securit, IllItnJment IhaJI be I Pun:hue money mort....,
U. I........... Af.., IUd,ml1l" Borrow.. lar-lIItt the in'-tlllC JlI7Iblelfter I jud,ment 1.lllter1d on
the NOle or in In 1Cd0ll of mortpp f_IOI\lte lhall be the llle JlI)'lIble from time to time under the Nole.
27, Rldere to .... Securlt, IUlrume.t, "one or more riclen Ire elllCUted b, Borrower IIld rec... ded IOpther
with W. Security IllIlrUmllll, the covcnanll Ind IP'Wmenll of eech IIICh rider ehIIl be incorponled inlO IIld ehall
Imend Ind lUppIernlDl the COYlllllnIl Ind lareemenll of WI Security Irwttument u if the rider(.) w.... I pen ot tIlU
Seeurity IlWlrumlllL ICllect IppliClble bol(.))
~ Adiullable Rail Rid<< ~ Condominium Rider ~ J-.4 Plmily Rider
OradUlted Pa,mlllt Ridir PlIMed Unit Development Ridir BiWeekly Plymlllt Ridir
BelI00n Ridir Rate Improvement Rid<< Seoond Home Rider
VA. Rider Other(I) lIpecify)
PIl(PAIlED Ir: CYNTHIA IlEAVEIl
H~ISIURI, PA 17112
BY SIGNING BELoW, Bonow.. ICCIplIInd Iar- 10 tba termt IIld COYenlnIl contelned in tIIU Seeurity
-_....I...,_.,_"....._....~~
Wi'> ~
' (SaI)
, E Ell ......_
JlOJI1_ ~ ~.
KAllEN l, Ills TEll
/J4
(SaI)
.~._--
Certlllc:e.. or"'l",
I, tile 'ub.ceiber. Cynthia If....r
lCIdl_oftbawlWn"lllrnIdMonppeu ....0 Noeth 'drw.y Deh..
60061
(Seal)
-Ilwrow.,
(11II)
......--
Wi... mJ hIlld tIlle
2'th
. do hcnbJ certilJ that tba lllItTICt
V.rnon Rill.. I111DOi.
deJol s'rer , 1"3 ,
'r7I.A.I'.)~~~-J
COMMONWEALTH OP PENNSYL VANIA, '1WfJU.1. Cou.., II:
On tlIU, tba Uth deJ 01 S.ptUlber , 1 "3 , Won me, tba undenIlDId
officer, JlIfDOftI/I, IJlIlIItlId l&'ady. B..t.r Ind Itlr.n L B'lter
....t ., ..... _ J
known 10 me (or utilllClOril, proven) to be
the plr'lDn a wJM.a Rim.. 11'1 ,ubacribed 10 the within illltnJment IIld ICtnowled'ed lIItt th.y
encuted the am. lor tba ~ herein contained,
"~~P.I"'"""~m"""'''''oI''''I_I. C'::' . \. -' _ -.r _
~....YCo~~,~,onEIpl" ~.......~ ~ y/J....----:
.31." ___
'>:<.iY... .# t"".1t:" 5..,
-- :/,'~:.., ,. IDA L /kNEW, NOTARY PUBLIC \ .
: ,J: fy: Chambel'lbtJ,g 8crc, Frankllf! County , ~~"">' ~<,aq"'-,<,..,.I
: .:. \~, . '.Iv ccm"'"socn .'C '.s Ocr <~, 1993 Till. Gf 0"1<4' .'
Co..
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1":. .1............ "'J...
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eoo~ 1169 f!Cr 190
XCII01DAAI' ,Ol
,.. Jnl III'
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S('TEMIE~ 28. 1883
lD...1
NOTE
L(NOE~'S I 01-02-32773
CHAIlIE~S8U~G
ra,,1
PENNSYLVANIA
IS....I
432 SOUTH FAYETTE ST~EET. SH/PP[NSBURG. PENNSYLVANIA 172~1.1738
[Pro,.", Acld....1
I, BORllOWEl'S PROMISE TO PA Y
In mum fan /OIIIlhal I have received. I promille 10 pay U,S, $11. 2~O, OO..--..---....-n..--lthl. .mountl. called
.principll.), p1U1lnlerWl, 10 the ordw ohlll Lendlr, The Lender i. SEARS MORTGAGE COfIPORATlON. AN OHIO ClWOIlATlOII
, I undo...&wId
lhal till LendIr m.y ltanlferW. NOIe, The Lender or anyone who Ilk. thl. NOIe by ltanlfer .nd who I. entitJed 10 ,..jw
paymlllll undar till. NOIe Ui called till .Nole Holder, .
2. IPn'EREST
In.... will be charpd on unpaid principal until Ihe full .mount of principal hu been paid, I will pay in... at a
)'.rly file of -----n.---..---UOOO",
Trt.ln.... file required by W. ktIon 2 i. Ihe rale I will pay both before and after .ny def.ult ~bed In SctiCIQ
6(8) of IhiI Hollt.
J. PA YMENTS
(A) Time a.' PI.ce 01 Paymllla.
I trill pay pinclpll .nd In__ b)' makin, payments every month.
I trili mate my monthly paymenr. on the FI~ST clay of each month beJ/nnillJ on NOVEII8E~ I ,
lea , Ilr/II make "- paymenr. every month until I have paid all of till principii and In'-l and lilY other
charpa deKribad balow tltal I may owe under thl. Note. My monthly paymenr. will be 'pp1led 10 in__ belen principal,
II, on IlCTlIIE~ I, 2023 , I IIiIl owe amounta under Ih/a Nota, I will pa)' tIae .mollllllln full CIQ
thaI cia... whldlil called tIlI.MalUriIJ OIte,.
Ilr/II mate my monthlypaymenr.at 440 NOItTH FAIRWAY ORIVE. VEIINOII HILLS, ILLINOIS 60081
(I) Am_I 01 M..lllly hym....
Nr monlllly paymllll trill be ID till DIIIount of U.s. $ 481, 1a..----.-----..-_,
".IOUOWa's RlOIITTOPRBPA Y
I"w IIllIrillltlo maD paymenllof principal '111I)' timl before tJtey are due, AjlIymllltof principal only IIban.a
. ptIIIIym.n,. WIlen I mab I lI"PIymenl, I.m 1811 lite NOIe Holder In wrilln. tltallam cloIlIJ 10.
l...y maD I lull PfIIlIymllllor penial pepaymenta without paylllJ III' Jll'IPIrment chItp, The NOIe Holder .iII...
all of my 11"P11mlllr.1o reduce lite Imounl of principallhatl OWl under IhIa NOli, I I mab I JlVIial ptIJlIymllll, lbani.iII
be 110 cbUtpii In till due clale or In till amollllt 01 my monthly paymenl unI_ the Nole HoIiIer ..,..In wrilllll to ...
;~ CHAROES
III .... wIIIch 11IIII1. to Ih/a IIIIIIIIIcI .hlch 11II muimum 1011I c,*-- Uilillllly In~..w 10 till, IIllI In.... or
o"*.~eollec&edor 10 becolllCted InCOlllllCllon with Ih/allllll eRiad till prmlllld ml1l, then: (I) 1DJ.a.
~ -.. be NducacI by IIllIlmounl - ~ ~ III reduce till cbup 10 tile J!IMIllIIlIllmlt; IIIlI (II) IIIJ IlIIIII ..~
coI....,rom IlIIwlllche. Jed parmlnadIImllltrill be refuncledlll me. Tha Nole Holder mly choc.e 10 mlb thlInIuniI
by I'IlIucIIIJ IIllI pinel... I 0.1 under thlI NOIe or by makin, I direct payment 10 me. U I refund red_ principal, IIllI
rwduetloa Will be -tail.alllrll_~ymenL
6.IOUOWa'l PAILURBlU PA Y AS REQUIRED
(A) ..... Qarp lor Ovml.. hymeall
U Iha Note HoIdet hu 1101 ,..jwd IIllI fuJllmount of .ny monthly pa)'ment by till end of l~ call11dar cIa,.1IIIr
lhe cia. II Ui clue, I will pay .11.. charp 10 till Note Holder, The amount of the chat.. will be----------------"',oooo" 01
my ovwdue paymenl of principii and InIelWl. I will pa)' thlll.te chat.. promptJy but only once on each late PlymenL
(I) Dellult
In do 1101 pay the full.mount of each monthly payment on the date illl due, I will be In def.ult,
(e) Notice of Default
'" 1m In def.ult. the Note Holder m.y send me. "'rinen nOlice tellina me thlt if I do nOI pay the overdue.mount bye
certain date, Ihe Note Holder m.y tequire me to pay immediltel)'the rulllmount or principal which has not been paid and
or "I different p11a1 if required by the NOIe Holder.
....nnATI fiXED IATI 1IIlt.51",1. '."'" -frai. u...,,,_. Mae Uolf..,..tr_
""" III
q -611lllcUGI XCJlOOD"M .01 ....., a.tOJIITCACI lO'UIIIS . IJUUIJ'IlQC . 1100,131.1211
PNl CERTI . 1440251 PNI ::.?AN' - .ORTGliE GUARANI' INSURANCE CONPANl IMG/C)
EX'-l !Blr 'l~ I
"
.,
~
'Ill the In__&III1 1 0.. on &11I1 ~ ,June. Thai dale mun be II 1_ 30 deY'.tt... oM dale on which &hi notlOl iI cWiv'" or
mill" 10 m.,
CD) No Wlivet I, No.. Holeler
B_II,II. UII\I.hIn I.m In dallull, the NOla Holcler doee not lWluinl m. &0 pi)' Immedi'lel)' in lull.. d.riblcl
.bovel..&hI Naill Hole_ w1l1ltill have &hi riahl IOda 11I11 I.m In Ulull.1 Ila&ertlm.,
Can ~,m"I 01 No&I Holw'a Coau 'DeI E.~D'"
"the NoIII Holder ... ~red m. 10 pi, Immeidla&elf In rull u cleacribed lbov., Ihe Naill Holder will haft &Ill rillll &0
be paid bac:1t br m. lorlll ollla ClllIUI and II~ In enfomn.W. Nole 10 Ihe emot not prohillillld b)' Ippllcabl. ..., TIaa
e.~ Include, rornampl., ~b1e anomeY" r-.
7, GIVING OP N011C1!1
UnI_ appllcabl.la. NlIui,... dirrerenl method, In)' nOlice thai mlllt be liven 10 me under thia NOIII.m be 11_ b,.
cWlverina it or b)' malllnait II, rimcl_ mail 10 me at Ihe Propert)' A.wr- above OIl1a dilferenta.wr-II I pftiheNola
Holder a notlOlof m,c11If_t~
~ nouca thai m_ bepven 10 &he Nole Haidet under Wa Nole will be liven bl maililJl it b)' rim c'- mall 10 &Ill
NOIe HoIderal 1Ile.......ltltiId In SectIon 3CA) lbove or Ila dirrerentaddn.IfIam liven a notice or &IIIldirr_uddn..
I, OBLIGATIONS OPPElSONS UNDER THIS NOTE
If mOIl than - parIlIII lip &hIa NOla, -" penon I. rull)' and ~I, obllpllld 10 keep all 01 &hi JlfOllI- madelD
W. Noc., Inclucllna dia prom_ 10 pi)' &he rllll amOUllI o.ed. An)' per.xlwho ia a ~&or,1UI'I&)' or encIocwt of dllaNolil
it 1110 obllpllld 10 do ~ &hI1111o AAJ s-r- .ho &aUa OYW &hiIaa obllptlOlW, Inducllna &hi obllptl_ 01'1\* '''.
IlfttJ or eNIo.... 01 &ilia Nore,I.1I1O obllpted 10 ke.p all of IIle proml_ made In thiI NOIII, Tha NOIe Holder 11\I'__
111I riJhIl undat &hIa NO&I apIrwtllCh perIOft IncII vidulll)' or apinlt all 01 III IOl'ther. ThI. mlllll thaI an, _ 01 UlIIII, be
~red ~1 all of &hi 1lII_1II 0." undat &hIa Note.
9. W AIVEIII
I and an, other parIlIII who hII obliptlolllllnder thi. NOIe waive Ihe riahll or ~Imenl and notlOl 01 dl.Iwwww,
"~&mllllo m_ &hIriahl 10 rwquinl the NOIe Haidet &0 demand pI)'ment or 1Ift0lll\1I dllD. "Notice 01 diahoaoro m_
Ihe riabl 10 I'IlIIIiI'l &hi NoIII Holder 10 live notice 10 other permlll thallmounll dllD 11Ift 1101 ... paid.
10. UNlPORM SECURED NOTE
ThIa Naill iI.l.lllform IllIInImenl with limited varl.tlonaln IIIme juriadictlllllL In addition 10 &hi ~_II_1lI
&hi Nole HoIc1at undat dIIa Noc.,. Monp.., Deed or Trull 01 SecurIty Deed (&hi oSecurlty IllI&nlmenlO), deled die_.
dele . &hIa Note, ~tt.~ &hi NOIe HoIc1at rrom ~b1e I~ .hich mlahl ....1 Ir 1 do nol keep &hi ~_ wIlk:* I
Il\Ib In &hIa Note. I 8acwi~ IllIInImllll ~_ how and uncIat willi clOndlli_llI\I)' be raquii'ed 10 IIIIb 1_"11I
pI,mllll In full oIlIl_lel onllllllet &hlaNolia. Some or t'-concIItlonu....s-ribed u IoIlon:
Tnur. 01... J\':'I* I, Of . Bea.llcilllDIIntI la Botto..,. II III or anr pili of &hi PU1ll'o 11 or III
IllIInIIla It Ia IOId or tnailarnd (or II. banalicllllnlelWlln Borro...I.llIId or ll'InIfemd and Bguu.. II DlII
· MIInI ~) w1dlout LIIIcIar'. prior wri&tal ~&.1ADdet 11\I', II 111I option, requin immadi'lII plJlI*lla
full aI all - ..... ., &hla Sacuricr ClllU'llmane. Ha._, &hIa op&iOll abaIlllOI be ..a.d .., lADcIat il
-- ilprohillillllbrf......I.. uof tbadeleof&hlaSacuricr Ja.&rum.L
U lADdat ..1' &hIa oIJIlon. Landar nUpve Borrow.. notlOl 01 acoeI..tioa. Tba notice abaIl pnmda.
plriod 011101 1- &J.- 30"'" lrom tile dele &hi notice it cWiv'" or milled witbla which Bono... m-lIIlall
_-..d br &ilia s.:uncr IlIIItUmlllL" Bono... raila 10 pi' "- _ pri Dl' 10 &hi apiration 01 dIIa period,
Landat 11II' Inwa IIIJ l'IIIIlIIi. permltllll b)' &hIa Sacwlty IlIIItUmlllt without lurther notice or cIamIacI 011
Bono....
WI'I'NE1S nlBHAND(S) ANnSBAL(S) OPTIIB UNDERSIGNED.
~.~
SIN:
(Seal)
~/~ t.f lit-. ~,
K M L, HEIlE
SSN:
(...)
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......--
SSN:
(Seal)
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(....)
SSN:
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.AY~'1'B!CIUlmor. " Ct/,. 0"".., O."J
q -6AltlCIlC' XCJa.cclDAAI.en
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a. ';.J" eat u.....L.. 6......
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~".._,~ lotlcl If ""Ir.1 Til Lie
IDIetrlOl 'trltl Nymber .'"
i ""IIUI"hl., itA '''416184 ~q6- 0)0"7 PI\.
I' AlIIIOVIc*I ~ 11111111I Alt. ..... IIIIIIINII of.. L..ne1 ftMnut
. ONI, we .. .... . IIIIIClIIIIt ..... Ondu<<1II IIIIIrtIt .... IIWIIIII)
.. 11M lIMn ........ ....It lht IoIlWlntoflllllttllupeyw. We IIIV1ll\Ut
,I ftmln. lOr PIVmInIIf -1IIIIIIIr. hi 11'lmlll1ll1/nllllN. n......
" Ihn II . IIIfI .. ...., of ltlt """" ... ,1\ III ~ 1M rfa/dI II
""*1Y ~ Ie IhII ~ fir II, IIIIOIIlIt If lIItII ...... IIMl
IMII10tiIl ....... MIl ..... .... IOOl\Ito
11II. u,,", IIItADY P
...TIM IMVWALL IIIIVIC.
....ldlllct ... ~Avml IT
IttIPNNIILM. iliA I7'U7-ln,
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1M TANT '''ILIA''IN~MATION: Pol IICIIIIMIIIIII..1tIN bilow, .~.CQP:I
lIII!!! noIoe If..... II ,.... - III "'lhtIn III ooIl1mn It), "lIOIc.IIlIII, c.L.t..* n (105'
.. .,. foIIo\\~ IllCltl dill, 011II11I II . NrtIIeIt, If ,.'..1 II tlttlnlCl
InIRO IW Q,IIU
'~for
of
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09/07'104
09/07'104
0"07'104
09/07'104
+
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1I-ldZns,
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0-1611""
n-16un,
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ot/oe".
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tOCT.80
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UTI."
UPI.?4
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..011'1111I1
Pr.,nonot,,.y
CYM~,,.'a"d Count V
Car",II, itA I7'OS,
T.... .
11821....
"I 1I011c. WU Pflplrld IIICI Il8n... II It" I I ,d, I ph i .. itA
. ...-...... ... ~........._.-
.0" Ih/l.
I IO'"dly.'
, ,of
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, -......
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'!
I"IM' ." .', ': . 1111.
'0' ~.irjcl. B,'r.~'w.kl- ACS
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13-01-0000
illOT11 C"'lfkllf I' .II~ "1114'1". 0, 1..,10' i&lI, "'''''''''''0;-.,,,. .., 11.."101 to 1/' ,,':O::!y ,I ~.~. I' '_11 T.. ~,.
a.., loJ, "..... 117\ . · c.. ml I"ar1 I . KepI By IItocldlng OIllel Plll'/lIll51 (Y) (~, Io.la)
EXI-ilBIT"',.'"
~
-,
-,
JlIna 17. 199~
PNCMORTGAG
'M: MClIITOAOI CQNt, 0# U"lr..e-
',0, .. CI2IlIII
...... ,...... 111..
k.r.n L Heater
432 SOllth r.yette St
Shippenabur~, PA 172~7
Appendix A
ACT 91 NOTICE
rAKE ACTION TO SAVE YOUR HOME FRO"
FORECLOSURE
Toll Fr.. Nu.berl
1-800-7:16-9090
8100 .. - ~IOO p.
Th. Co~.onwe.lth or Pennsrlv.ni.'s Ho..own.r'a E..rg6nCr Mortg.pe
A.aiat.nce Pro~r.. .ay be .ble to help y.u, R.ad tha followinA notic.
to flnd out how tha pro~r.. works,
It YGU need nor. infor..tion c.ll the P.nn.ylv.ni. Housing .in.nce
Agencr at 1 (800) 342-2397,
L. notitic.cion .n .djunto e. d. su.. inport.nci.. pues afect. .u
derecho a continu.r vivilndo an .u c..., 5i no co.prende a1 contenido
d. aat. notification obten~a un. tr.duccion i...di.ta.ente ll...ndo
w.ta ~9Qnci. (Pennarlv,ni. Hou.in~ Fin.nce A~ancr) sin c.r~a. .1 nu.era
..~cion.do arrib., Puedea ser .legible p.r. un pre.t.no por e1 pro gr...
ll~.ado "Ho.eowner'. E..r~ancy Hort.... A..i.t.nce Pro.r.." el cual
rueda ..lvar su c.s. de 1. p.~did. del darecho a red~.ir su hipoteca,
ACT 91 NOTICE
ItlPORTANl I NOTICE OF HOMEOUNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRA"
PLEASE READ 'THIS NOTICE,
-
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHIC~ CAN SAVe YOUR HOME
FRO'. ~'llRECLOSURE AND HELP YOU MAKE FUTURE hORTGAGE PAYMENTS
oatel June 17, 199~
R~I Account No, I 0090232773
TOI Br.dy E Hester and karen L Hester
r~O"1 ~NC "ort~aQa Corp, of America
You ~.y be elinibl. for fin.ncial assi.t.n~e that will prevent
for~cl~3~r. of vOllr mort~.ge l' yoU complv w1th the provis1ons of the
/lan,l'l.on.?r 's En"',"I..nev Mortuoi!le Ai.1stanee Act of 1983 (the "Act"),
YOll m~. be el191ble for ~m~rqencv temporary aS51stanee if vour default
I,its t"u'n eau!1etJ by c1rcumstances be)ond yuur control. yUU ha". a
reaJ~nable ~rO$~~,t of T~b~mln~ ~our mort~a~e ~av~~rlls, 4nj 1f you
"lCC.t \otl".er ti'11tjll;'111t, r~q\Jlrt?mftllls t?stat.llshea t,y t,...(~ PIPnnSylYilnla
H~uslr,'1 F1r.H'C" ,;,,.,n,,> , PI~ase r..ad .11 of' thlS Nllt1e~', It eontillns
;, n eo x J: 1 a n a t ion 0 r .., u u r r 1 q tit s .
EXHfBIT'n"
.P8R_ :z
0090232713
".
-
PNCMORTGAG
I'NC WOIITOAOI COIlI', ~ u.-c-
',0, .. Cl2IClII
......., P1alIdI :D101
Und.r the Act, YIU .r~ .ntitl.d to a t..porary .tay of for.clo.ur. on
~our gort~ag. for thirty (30) day. fro. the date of this Notic..
During th.t tig. yoU must arrange and .tt.nd a "f.c.-to-f.c." ~..ting
with. r.pres.ntativ. of this l.nd.r. or with a d.si9n.ted con~um.r
credit cou..ling ag.ncy, Th. purpose of this ...ting is tl att..pt to
work out . r.p'~N.nt pl.n, or to oth.rwi.. s.ttl. your d.linqu.ncv.
Thi~ ...ting Nnst occur in tho next (30) day., If YOU .tt.nd . fac.-
to-fac. m..ting with this l.nder, or with a consum.r cr.dit coun..ling
.g.nc~ id.ntifi.d in this no tic., no furth.r proc..ding in .ortgag.
for.clo.ur. .'y t.k. plac. for thirty (30) day. .ft.r tho date of this
..eting. Th. n.... .ddr.... .nd t.l.phon. numb.r of our r.pr...ntativ.
151
PNC Hortg.g. Corp, of Am.rica
8240 NY 52 r.rr.c.. St. 405
"ia.i. FL 33166
Te1.pho n. NUlob.r I 1-800-736-9090
Th. n.... and .ddr..... of d..ign.t.d cln.u..r cr.dit counseling a..nci..
.r. shown on tho .ttached sh..t, It is only n.c....rv to sch.dul. on.
fac.-tl-f.c. m..ting, You .hould .dvi.. this l.nd.r i...di.t.lv of your
int.ntions,
Yo~r .0rtA.g. i. in d.fault b.cau.. yOU h.v. f.il.d to pay pro~ptly
inst.ll.*nt. of principal and int.r..t. a. requir.d, for a poriod
of at l.a.t .ixty (60) aay., Th. tot.l a.ount of the d.linqu.ncy
i. . 1,944,64. Thi. sum includ.. the followingl
HOhth. P..t Du., APRIL,"AY,AND
L.t. Ch.r,. Amountl
R.turn Ch.ck F'..I
"i.c.llan.ou. F...l
JUNE
75,64
,00
,00
-
If YOU have tri.d .nd are unable to r..olv. this probl.. .t Ir a~t.r
~our f.c.-to-fac. ...tin9, ~ou hay. tho ri,ht to apply for fin.ncial
los.i.hnc. fro. the Homtrown.r. Em.rg.ncy Hortg.g. A..i.t.nc. Fund, In
ord.r to do thi.. ~ou .u.t fill out, .i,n and file . compl.t.d
1I0....own.r '. E....r!l.ncy AIIsishnc. Application with on. of the d..ignat.d
con~ug~r ~r.dit coun..ling a,.nci.. li.ted on th. attach.~nt, An
lopplicatioh for assistnnce gay onl~ b. obtained from a con.umer cr.dit
cOu~s>>llnq aDeney, The ~on~umer credit counseling ag~hCY will o..i~t yoU
in fillinq out Your application and will submIt vour completed
appll~dtlon to the Pennsvlvanla Hauslng Finonce Aq.ncy, Your 'PPllcation
wust ~e filed or Fostmnrked withln thlrt) <301 dlvs of Your face-to-face
me(I'. 1 r.'l.
D113:!3
,;'
-,
JIIII. 17. 1995
PNCMORTGAG
Br.dY E H..t.r
~ MORTGAGI COIU', 0# AMlIUCI
'.0, .. CI2IOllI
ro.lIIri, AandI 3:llGl
432 South F.....tt. St
Shipp.n.burl. PA 17~57
ApP.ndh A
ACT 91 NOTICE
TAkE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
Toll Fr.. Nu.b.rl
1-800-73{,-9090
8100 .~ - ~IOO p.
Th. Coqmonw..lth ot P.nnsylv.ni.'. ~D..Dwner'. E..rv.ney Mortg.~.
A..i.tonc. Prooro. .ay be able to help you. R..d the fDllowing notice
tD tind out how the progr.. wDrk.,
If YOU need .Dr. infDrm.tion e.ll the Pennaylv.ni. Houaing rin.nee
Aleney .t 1 (eOO) 342-2397.
L. notitic.cion en .djunto e. de au.. i.PDrt.ncio. pue. .tecto .u
d.rocho . eontinu.r vivi.ndo .n .u c.... Si no co.pr.nd. .1 eont.nido
d. e.t. notitic.tion DbtenBo uno tr.dueeiDn i...di.t..ente 11...ndD
..t. a'.nci. (P.nn....lv.~i. Hou.in, Fin.ne. A,.ncy) ain c.r~o. .1 nu..ro
..ncion.do .rrib., Pu.de. ..r .l.sibl. p.r. un pr..t..o por .1 pro sr...
lll..do "Ho..own.r'. E..r~.ncY Horts..v. A..i.tance Prolr.... .1 cU.I
r~.de s.lvor su c.a. de 1. perdid. del derecho I redamir su hipot.e.
ACT 91 NOTICE
IMPORTANT, NOTICE OF HOHEOUNER'5 EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
-
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE UHICH CAN SAVE YOUR HOME
FRO~ FORECLOSURE AND HELP YOU MAkE FUTURE MORTGAGE PAYMENTS
O.t., June 17. 1995
RE, Account NO,I 0090232773
TOI Br.dy E He.ter Ind k.ron L Heater
FROM, PNC Mortg.ae Corp. ot Amwric.
You may be eliqiblo 'or 'inlncial assistance that will prevent
toroclo3ure u, your mortQBQe 1( YOU comply wlth the pruvisions 0' the
1I0,,,ewuni!r 's Em'trqoncy 110rt'la~Cf Assistanc. Act 0' 1983 (the "Act"),
rou m~y be el191blo for pm~rQoncy t.m~orar... ..slstance 1( your d~f.ult
h.s been caused by circumstances beyond your control. YOU have a
reasonJble prD~pect of re~UmlnQ your ~ort~aoe PiYm~nl61 and If ~ou
~e*l ulher ellQlbllltv r~~u/rem.nts establlshed bv the PennsylvanIa
Housln~ Finlnce AQen~y, Plea.. read all of thIS NotlC~, It canlalns
an eXPlanation of vaur rIghts,
'Oil' ::
0090::3::173
"""\
..
PNCMORTGAG:
I'NC IoIOI'ITQAQI COIlI", 0# '1lII1l'C&
",0,"_
......., PlolldI 3011.
Und.r tho Act, ~ou or. .ntitl.d to I t..porory .to~ of far.clo.ur. on
your Q.rtp09' for thirty (30) d.~. fro. the d.t. of this Notic..
DUrlnq th.t ti.. ~ou .u.t .rr.ng. .nd .tt.nd . "f.c.-to-f.ce" ...ting
with. r.pr...nt.tiY, of this l.nd.r. or with. d..ign.t.d can.u~.r
cr.dit cou..linq .g.ncy, The purpo.. of this ~..ting i. to Itt'MPt to
work out . r.p.y~.nt plln, or to ath.rwi.. ..ttl. your d.linqu.ncy.
Thi. n..ting nu.t occur in tho n.xt (30) d.y.. If you .tt.nd . f.e.-
to-f.~. ...tin9 with this lender, or with. con.u..r cr.dit coun..lin,
.qenc~ id.ntifi.d in this notic., no furth.r proc..dinq in .artsog.
'or.closur. .IY t.k. pllc, far thirty (30) day. .fter tho d.t. of thi.
...tinA, Th. n.n.. .ddr..., .nd t.l.phon. numb.r of our r.pr...nt.tiY.
i.1
PNC Hortq'A' Corp, of A..ric.
8240 NU ~2 T.rr.c.. St. 40~
"i..i. rL 33166
T.I.phon. NUMb.rl 1-800-736-9090
Th. n.... .nd .ddr..... of d..ign.t.d con.uo.r cr.dit coun..lins ...nei..
.r~ .hown on tho .tt.ched .h..t. It i. only n.c....rv to .ch.dul. on.
(.c.-t.-flc, ...tinq, ~ou should IdYi.. thi. l.nd.r inn.dilt.ly of your
int.ntion..
(our lliortqlg. i. in d.flult t.c.u.. you h~y. (.il.d to PlY pro.ptly
in.t.llqents of princip.l .nd inter.~t. .. r.quir.d, for. p.riod
of .t l...t .ixt~ (60) d.~.. Th. tot.l .no~nt .f tho d.li~qu.ney
i. . 1,944,64, Thi. .u. includ.. the folluwin'l
"onth. Po.t DU'I AI'RIL.HAY,AND
L.t. Ch.r,. A.ountl
R.turn Ch.ck r"'1
"i.c.ll.n.ou. r"'1
JUNE
75,64
.00
,00
-
If yOU h.v. tri.d .nd Ir. un.bl. to r..olv. this probl.. .t or .tt.r
yo~r f~c.-to-foc. ...tinq. ~ou h.Y. the right to .pply for fin.nei.l
I..i.t.nc. fron the Ho..own.rs E..rq.ncy Hortq.q. A..i.t.nc. rund. In
ord.r to do thi., ~ou mu.t fill out, .i9n .nd fil. . co.pl.t.d
1I000"OI,m.r '. E..rq.nc~ A..i .hnc. App Hc.tion with 0 n. o( tho d..i An.t.d
con~up.r cr.dit couns.ling .q.nci.. li.tvd on tho att.ch..nt, An
~pplicltian 'ur .s.ist.n~. mav olllv te obt.in~d from I can.um.r cr.dit
counsuling .gencv, lh. consumer credit cauns.ling .gEnCy will ...ist yoU
in fIlling out your .ppllcatlon .nd will sub.it your compl.ted
.Ppll~~tlon to tho PenntivlVanl1 HOUSIng Fin.nce Ag.ncy, Your IPplic.tion
mu.t be fil.d or postqarked wit~ln thirty (30) davs of vour fac.-to-flce
me()tln(~,
DM3::!3
..
"
,
,
P'". 3
0090232773
PNCMORTGAG
PNC UOIlTGAOI! COIlI', Of' AMlIllCA
',0," Cl2IClII
MIImI, AondI 331C111
J1 JS EXTREMELY JMPORTANT THAT YOU FJLE YOUR APPLJCATJON PROMPTLY. JF
YOU DO NOT 00 SO. OR IF YOU DO NOT FOLLOU THE OTHER lIME PE,RIODS SET
rORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AOAJNST YOUR HOME
IMMEDJATELY,
~v.tJ.bl. tunds tor .~~rR.ncy martg.ge .ssist.nce .re very li.tted,
Th.y wtll b. dtsburs.d by the A,ency under the eligtbility criteria
eshblished by the Act.
It is e.tre..ly iMPort.nt th.t your .pplic.ttan is .ccur.te .nd
co.pl.to in ev.ry respect, Th. P.nnsylv.ni. Housing Fin.nce A,.ncy
h.s sixty (60) d.ys to n.k. . d.cision .tter it rec.ives your
.pplic.tion, Durin, th.t .ddition.l time, no toreclosure proc..dinll'
will be pursu.d ,".tnst yOU it yOU h.ve n.t the ti.e require..nt s.t
forth .bov., You will be notitied directly by th.t A,.ncy ot its
decistan o. your .pplic.ttan.
The FennsYlv.ni. Houstnll Fin.nc. A..ncy ts loc.t.d .t 2101 North Front
Str..t. Post Ottic. 8ax 8029. H.rri.burg, rennoylv.ni. 17105,
Tel.phan. No, 1-717-780-3800 or 1-800-342-2397 (toll tr.e nu.ber),
P.r.ano with i.p.ired h,.rinll c.n e.ll 1-800-342-2397.
In .ddition, yoU ..y receive .noth.r notice tran thio l.nder under Act
6 uf 1?74, Th.t natic. is c.lled I ~Notice ot Jntention to Foreclos.",
You ~~st re.d bath noticeo since th.w bath expl.in rillhts th.t yoU now
hive under Pennsylvlni. l.w. However, it YOU choose to e.ercise your
ri"hto described tn this notice, you c.nnot be toreclosed upon while
yOU ore r.eeivinll th.t .soiot.nce,
Very Truly Yours,
-
PNC Mort'.,e Corp, at A.ericI
0"324
.
VERrrrCATrON
The undersigned, an officer of the Corporation which i. the
Plaintiff in the toregoing Co.plaint or an officer of the
corporation which is the servicing agent of Plaintiff, and being
authorized to .ake this verification on behalf of Plaintiff,
hereby vedfie. that the fach .et forth in the foregoing Complaint
are taken fro. record. IIdntained by per. on. supervi.ed by the
undersigned who maintain the business record. of the Hortgage held
by Plaintiff in the ordinary cour.e of budne.. and that those
tact. are true and correct to the be.t ot the knOWledge,
information and beliet of the under.igned.
I UNDERSTAND THAT PALSI STArDlENTS HIRlIN AU HADI SUIIJIC'l'
TO TIll PEHALTIU or II PA.c... SIC'l'ION 410. RlLlTING '1'0 UNllfOJUf
rALSlrlCATION TO AUTHORITIU.
Date. 1,2//2I1r
I I
iA
:t:r~~
company. PNC MORTGP,GE CORP, OF AMEF
, F/l<JA SEARS MORTGAGE CCRPC
\
\
I
\
235 SOUTtI 13rtl STREET
PHILADELrtuA, PA 19101
PHONE 12151546,1400
FAX 215.985.0169
flhil.uJelphlo1l
AUHt'i,llitlnnf
J"llfcuinno1ll
Pm('cu Sr:I'\CU
SHwkn for I'rofrHloo.h loc,
---~---------~~_._-
PLAINTlFFIS,"---
f-t'dm'a 1 H.ll:tnllill MOl'hl.JlII' /'i'.';n!.
DEFENDANT/51
11I';lIJy E. HI",,'!'I'1
5ERVE AT
:UO Hnl'tl1ilVl.'n !H.
S;1l1 /'in hHli 0 TX lB:!:"1
AFFIDAVIT OF SERVICE
CASE NO
'N, . J 1 :\, C I VI J
rOll r- t: () LfH'II'H]t)
U I CUI'lhm'1 illllt Counl:y
I ypf.? ul i.J(H'V1Cf?
CIvil AclIon COMp/Fol'DC
DA TE RECEIVED
tldY 17, 1'1'16
COMPANY CONTROl. NO
CSI1761:')(M
REFERENCE NO
9:i"'B!:i71
:iEI~VE "'Y: May :l.t, l'I'}6
~Ie~:i tt1j'
G1, (
'lay(
day 01 .-_M.A Y
,19~, 01 6:45
o'clock,
p
M,.
· 218 NQRTHAY~N, SAN ANTONIO, TEXAS
Commonwewllh 01 Pennsvlvania, In Ihe manner descnbed below
o Defendlnqs) personllly selved
xiii Adull'"mlly member Wllh wham said De'endanlls"es,dels, Relellonshlp IS GRANDMOTHER
-0 Adult In ch.rge of Oefendanl's ,esKience who refUSed 10 give name or relallonshlp.
o Mlnager/Clel1< 01 place 01 lodging In which De'endanl/s, resldelsl
o Agent 0' P8rJO(1 in charge of Defendant's office or usual place 01 bUSiness,
o POlled . ,',
&l~~'I!rIP!;OH ~r.E6o:.; IILIGHTS'S' WI'll;llr#D HACE l.(/ !lEX r
...~~...=~....~=..=...=......=...........=.....====...........................==.....
On tll~.1-,_......, 'J;IY at' . ""...,-,-""",,,, 19"",,_,_, at .._________ o'cloclc, ____M.,
Dt!fendol~t not found: t10VIH:I Unknown ...._,1'10 Ami .,,_..Vdl:(Int ___Othe,' ___________,
~, ~ '. (.
.'" .",.. ,.."". ,!". ,. ''',,,,.,, "",.", '" ,., '" '" ,,, '" ," "" ,." "'" ,." ,'", ,,'" '" "I' "" "" .,..."" ,. "''''' .,. =="".=.." "'. =. = ..., = .". ",."""".. = =="
.'. ~
'.. ~ "
DEPUTIZED SERVICE
I~ow, this ..,-., ,., <lay of ..""""......",..., I'} ",,' I do Ill?l'eby t:I(!Plltizl~ tlw mle,'iff of
------------.,- County to serve this ___SUM~)n5 ___CoMplaint __..Other _____________
,:lnd 11lillu? '~f~t:un'l thf-n~nf anti dCcol"dinlJ to Law.
By
(COMpetent Adult)
====~=~====~==~====:=~==.~:~:
*** Special Instrllctinn!' ***
1 of 2
., .... .. '." ... 'M, ..~ .'.._ ... ". .... __ ~.. ....
.~=====::===::====~=========================
County SI11'l'iff'. Check. __________
NAME OF SERVER
P'''O(:esE; S~H'VfH'
!'lTF.~ HF.N KOE~boing duly OWorn according 10 law,
dIpose. and says Ihal ha'she IS procass sorvor horoln namos;an
thll the 'lets herein 181 forth above are Iruu and Correct 10 tho
of their knowJedge, Information and bohuf
She,,,,
Procuss Sorvur I
Comptltunt Ad
ll\ GERMAINE MARTINEZ
· NalIIyPuIlIIc,S_alT_
ri. It,o Con\I'nIIeIon ""'*"
JlnUlllY t~, tllllU
Sworn to & subSCribed before me thiD
'4 day 01 MAY 1996:
LlwFlrm .J I i:lll.I. l"n d nl \1 PJ ':,1'1,.111
Attornev'aN _ l'lane;}' A. Wnrtll" l~,!:'(I.
~ress arrc'I~_1 w. !:iwfldcbl"Ur-iJ j-\{)dt:! :~II\II.P :\:1\\
IJ f!l W Y II f,' /1 r93T:'
Telephone. ~,.~ (I ~.~ -1 ~r --___ldenllllcalJOn . 'I (1:.1 '-.J (I
-111IO PhlIAlJllpho. """1{" or PrOl.Ul(JI"I.1 Proc... s.,~.'l\ nll~ I
)?J",...~'~~
ATTEST
Fa,
PRO PRO THY
/1..1' ;:!, 1 ';'1(,
DATE
~
~ '" ~
c<) .:~:
.. -')
r CO') :3~
~~ ::c
r=c u.. '?~
&: co
I )~
l" ~ i)~ \'
F= - :n
0::
~ t,O :::J
en (,,)
,
. '., "''';1
'1_ ~ .
t. ;i,
.; \ ~ j I '. I_~ .
fI
235 SOUTH 13TH STREET
PHilADELPHIA, PA 19107
PHONE 1215) 546.7400
FAX 215.985.0169
rhil.~c1phi.
AUI)(ialiun ur
Prllrtuiunal
Plllceu. Sl'nl'u
Servkn for Profnsionolh In(,
.PLAINTlFFIS'
,\ Fuderal 1'lat:JIJna,1 Mnri"f.l.l{J(..1 A~:i~:;t-)(:..
DEFENDANTIS)
I\c:n fnl L. Hpntr~r'
SERVE AT
AFFIDAVIT OF SERVICE
~~113 Nr,,-tha''''l'1 S t,
Ban Antonio TX 78229
CASE NO
'l,'>""113,-CJVIJ
Cuurt () LlJPIPllJn
of CUrlllf'l" lalle! County
ypuo (J .~ervl.Ct~
CIvil ActIoll COrlp/Forec
DATE RECEIVED
M.I)' 17, 1"'16
COMPANY CONTROl NO
C80767513B
REFERENCE NO
"::j'''(]~j71
SERVE BY: May 31, 1996
Ka1Mvn too Ht-:lC;.t'E'lM
'y:
M~S JOH~ nRARMA~. nRA~nMOTHRR
, '
23
day 01
MAY
96
.19_,81
6:45
o'clock,
p
M"
218 NORTHAVEN, SAN ANTONIO, TEXAS
II
Commonwealth of Pennsylvania, In the manner described below:
o Defendlll~.' pe,son.lly ..,ved
xii Adullllmily member wilh whom .ald D.'.ndan',.) ,a.,d.,., Ralallon.hlp I. GRANDMOTHER
o Adull in Chlre, 01 Oefendant'uesidence who refused to glVB name or relationship.
o MlIlagerlCI.... 01 p~ 01 lodging In which Dal.ndanl!., '..ida,.)
o Agent or PIrton in charge of Oef~ndanrs olhce or usual place 01 business.
On. "
PCMted t--,;' 1 '
n OIlier ,i.,. . :
~SCRr~,TtoN AGE 60+ HE:IGHT 5'5" WEIGHT 120 RACE W SEX F
'"~;~ "'~;~::i:~: :::~~: ;=:;=::~ ~~ ': :.-" '"'' '~,~"" -~"' ':: :'" ~ ;:~': ==:":: ~''':: :::::::: =:~~~:~ ~ ~ =:: ::~~~"== ,,===
Defendadt nQ~ fou~rt: Moyed Unkllown No Ans Vacant Other
:'~ . ---
.....
, ,
-----------
====~====~~=~==~====~c:==~~~==~==~:::j::;~~~~~=~=~=~=====~=======~.=c=======~====~=======~:;==
DEPUTIZED SERVICE
Now, ttli', _,_.".._, day of ,...._"",___,,_,,_,_, 1",___"" I do hm-eby ljr~pl.l'l:iz" tlH~ Bllel-iff of
-------------- Coullty to serYe this ___SUMrlOnS ___Corlplaint ___Other _____________
and rlake return theraf and according to Law.
By (Corlpetent Adult)
-"",,_______ County Sheriff's Check I
==================:~~:cc==c:====~==;=::~::=~:__ ===~::::~==~::============================:~=======
----------
*** Special Instructions ***
:? of :~
NAMe OF SERVER
F'r'CJCeSt5 Ser.vel"
STEPHEN KOEPK E being duly sWain aocordlng 10 law,
deposes and says that hwshe is procoss servor heroin names;and
that the lacts herein set forth above are hUD and correct to tho b
of their knowledge, inlOt"malion and belief.
ProeollS Servor I
Compotonl Adu
Sworn to & Subscnbed belona me this ,
24 dayal MAY 1896i
-,
n-.;,)._Y""",~AlI\1
9P"1'<1~?~
r~
Law Firm ..) I dp 11' n dill '. '.1.'1 !:il'l.:l n
Attorney's Na.mJt 1\li.~ nc y A. wnr t'1I" t. !,j q..
~..... 116\1 w. bllJf.'fJl:~:ilnrrl 1-'0;.\1.1
I"MAIress _ .
t'''II-wyn Fi'i ,[ 'I_H.~
T".phona. b 'I ~J ,- 9;!., \l
ATTEST
~ l\ I' (: I \ ,~ :1 \l
For
PRO PRO THY
----:j~l~J()i(}
Idonltllcallon ..
MdY :?,
1"'lb
DATE
;:
~ - '-
C": f--
j -/
M 'c'i
-~
., -- ~"""
~J c: 'J~
JO: ?~
0 CO ,.",
l5: I ':l "
. ~ c: :.Ij~
~ gJ
~ ~ ~
C1'
" '
, .
"'_: t:
,"
.
SHAPIRO AND KREISHAN
BYI CAROLEE BIRASI, ESQUIRE, 1.0. 153426
STANLEY K. 'GORDON, ESQUIRE, 1.0. 169432
NANCY WORTH-PINE, ESQUIRE, 1.0. 150596
CHERYL VILLAUME, ESQUIRE, 1.0. 170044
LAWRENCE B. SCHWARTZ, ESQUIRE 137499
AUDREY MITTLINAN, ESQUIRE 1.0. 158047
SOUTHPOINT orrICE COMPLEX
1160 WEST SWEDESrORD ROAD, SUITE 350
BERNYN, PA 19312
TELEPHONE 610 695-9240
r.d.ral N.tional Mortqaq.
A..ociation
PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
9th JUDICIAL DISTRICT
v..
NOI96-113 CIVIL
Brady E. H..t.r and Kar.n L.
H..t.r and Unit.d Stat.. of
AII.rica
DEFENDANT(S)
"OCIP. rea J1J DI'1' roa rAnDa. TO US."
ABD ..8.I.K.~ O. DAKAO..
Ent.r JUdqa.nt lH BEK in the amount of '100,2.7.38 in favor of the
Plaintiff and aqain.t the d.f.ndant(.), jointly and .ev.rally, for failure
to file an an.w.r to Plaintiff'. Complaint in Mortqaqe Foreclosur. within
20 d.y. fro. ..rvic. th.r.of .nd ...... Plaintiff'. damaq.. a. follow. and
calcul.ted a. .tated in the Co.plaint:
Princip.l at .ortqaq. d.bt due and unpaid
Inter..t .t 7.5' tro.
3-1-95 to 9-11-96
(561 d.y. . $48.82 p.r di..)
Lat. ch.rq.. (for c.rt.in aonth. prior
to d.f.ult and every .onth after
at . rat. at $2~..90,per month)
Attorn.y. F... (A. .tat.d~n Complaint)
TOTAL AMOUNT DU }
$70,304.69
27,388.02
424.26
800.00
$100,297.38
,(j "l
CAR LEE BERASI. ESQUIRE, 1.0. 53426
LEY K. GORDON, ESQUIRE, 1.0. 169432
NANCY WORTH-PINE, ESQUIRE, 1.0. 150596
CHERYL VILLAUME, ESQUIRE, 1.0. 170044
LAWRENCE B. SCHWARTZ, ESQUIRE 137499
AUDREY MITTLEMAN, ESQUIRE 1.0. 158047
Attorn.y for Plaintiff
AND NOW, jUdqaent h enter.d in tavor of the Plaintiff 3nd aqain.t the
D.fendant(.) and da.aq.. ar. .......d a. a in the . m'Jf $100',297.38.
,u ." LL L '
- .~J1iro. othy,
95-8571
.
SHAPIRO AND KREISMAN
BY: CAROLEE BERASI, ESQUIRE
AUDREY MmLEMAN, ESQUIRE
ATIORNEY I,D, NO, 53426, 58047
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695-9240
S '" K FILE NO, 95.8571
Federal National Mortgage
Association
clo PNC Mortgage Corporation of
America
568 Atrium Drive
Vernon HlIIs, IL 60061
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 96.113 CIVIL
PLAINTIFF
VS,
Brady E, Hester and Karen L, Hester
and United States of America
218 Northaven Street, San Antonio,
TIC 78229
United Slates Attorneys Office
Federal Building
228 Walnut Street
Room 1162
Harrisburg, PA 17108
DEFENDANT(S)
CERTIFICATION OF MAILING NOTICE UNDER RULE 237,1
The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the
Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, If
any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe, Said
Notice was sent on the date set forth In the copy of said Notice attached hereto, August 19. 1996 to
Brady E, Hester and Karen L, Hl:Sler 218 Northaven Street, San Antonio, TX 78229,
(?~
~~Old
Legal Assistant
to Carolee Berasl, Esquire and
Axel A, Shield, Esquire
Audrey B. Mittleman, Esquire, for
SHAPIRO'" KREISMAN
NOTIFICACION IMPORTANTE
" USTED sa ENClIEHTRA EN ESl'ADO DE REBELDlA pOR NO HABER TOMADO LA ACCION REQUIRIDA DE SU
PARTE EN ESTE CASO. At. NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS
DB LA PECHA DB UTA NOTIFICACION, EL TRIBUNA pODRA, SIN NECESmAD DE COMPAIlARECER USTED
IN CORTE 0 ESCUCHAIt PREURA ALOUNA, DICTAR SENI1!NClA EN SU CONTRA. USTED PUEDE PEROER
BIENES Y OTROS DERECHOS /MPORTANTES, DEBB UEVAR ESI'A NOTIFICACION A UN AIIOOADO
IMMEDIATAMENTIl, SI USTED NO T1ENE ABOOADO 0 51 NO T1ENE DINERO SUFICIENTE PARA TAL SERVlCIO,
VAYA EN PERSONA 0 LLAME pOR TELEFONO A LA OFICINA CuYA DIRECCION SE ENCUENTRA EScRrrA
AIIAlO PARA AVERlOUAR DONOB SE PUEDE CONSEOUIR ASSrrENClA LEOAL:
~
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 2~200
PVRSUANTTO TIlE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED 11IAT
nus LAW F1RM IS DEEMED TO BE A DEBT COLLECTOR A'1'TEMPI1NG TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR 11IAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Brady E, Healer and Karen L, Healer
218 Nonbaven Street. San Antonio, TIC 78229
t/~O
Axel A, S ield, Esquire
Attorney for Plaintiff
SHAPIRO AND KRElSM.
BY: CAROLEE BERASI, ESQUIRE
AUDREY Ml'ITLEMAN. ESQUIRE
ATIORNEY I,D, NO, 53426, :58047
SOUTIfPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695-9240
S '" K FILE NO, 95-8571
Federal National Mortiaie
Association
clo PNC MortRaie Corporation of
America
568 Atrium Drive
Vernon Hills, n. 60061
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 96-113 CJVD..
PLAINTIFF
VS,
Brady E. Hester and Karen L. Hester
and United States of America
218 Northaven Street, San Antonio,
TIC 78229
U nJted States Attorneys Office
Federal Buildini
228 Walnut Street
Room 1162
Harrisburg, PA 17108
DEFENDANT(S)
llMmR Pa.R.C.P. 231.1
IMPOR.TANT NOTICE
TO: Karen L. Hester
DATE OF NOTICE: August 19, 1996
You ARE IN DEFAULT BECAUSE YOU HAVE PAlLED TO ENTER A WRnTEN APPEARANCE
PERSONALLY OR BY A1TORNEY AND FILE IN WRmNG WTl'H THE COURT YOUR DEFENSES OR OBJECTIONS
TO THE CLAIMS SET FORTH AGAINS!' YOU, UNLESS YOU Act' WTl'H1N lEN (10) DAYS FROM THE DAlE
OF THIS NOTICE, A JUDGMEI'(J' MAYBE ENTERED AGAINS!' YOU WTl'HOUT A HEAJUNG AND YOU MAY LOSE
YOUR PROPERTY OR OTHER IMPORTANl' RIGHTS, You SHOULD TAKE 1lflS NOTICE TO A LAWYER AT
ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, 00 TO OR lELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTIlOUSE
CARLISLE, PA 17013
(717) 240.{j200
PURSUANT TO TIlE FAIR DEBT COLLECTION PRACTlCE'S ACT YOU .UlE ADVISED 11IAT
nus LAW ARM IS DEEMED TO BE A DEBT COLLECTOR A1TEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR 1lIAT PURPOSE.
, .
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUmberland County Courthou.e
S. Hanover Street
Carli.le, PA 17013
Lawrence E. Welker
Prothonotary
TO; Brady E. Hester
218 Northaven st.
San Antonio, TX 78229
Federal National Mortgage
Association
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO:96-113 CIVIL
v..
Brady E. Hester and Karen L.
He.ter and United states of
AIIerica
DEFENDANT(S)
_OTICI
pur.uant to Rule 236 of the Supreme Court of penn.ylvania, you are hereby
notified that a JudCJlllent has be.n entered again.t you in the above
proceeding a. indicated below.
Lawrence E. Welker
Prothonotary
[XX] JudCJlllent by Default
[ ] JudCJIII.nt for Po.....ion
[ ] JudCJlllent on Award of Arbitration
[ ] JudCJIII.nt on Verdict
[ ] JUdCJIII.nt on Court Finding.
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY
Carol.e Bera.i, ESQUIRE AT 610-695-9240.
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SHAPIRO AND KREISMAN
BY: NANCY WORTH PINE, ESQUIRE
CHERYL L, VILLAUME, ESQUIRE
A'ITORNEY I.D, NO, 50596 AND #70044
SOUTHPOINT OFFICE COMPLEX
1160 WEST SWEDESFORD ROAD, SUITE 350
BERWYN, PA 19312
TELEPHONE (610) 695-9240
S & K FILE NO, 95-8571
Federal National Mortgage Association
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
PLAINTIFF
TERM,
vs,
NO,:96-113 CIVIL
Brady E, Hester and Karen L, Hester and
United States of America
DEFENDANT(S)
JUDGMENT BY STIPULATION BETWEEN PLAINTIFF
Federal National Mortgage Association
T D STATES OF AMERI
It is hereby stipulated and agreed by and between the undersigned counsel for Plaintiff,
and Defendant, United States of America, as follows:
1. That the premises located at 432 South Fayette Street, Shippensburg, PA 17257
("Mortgaged Property"), as more fully described in Paragraph 4 of the Complaint, are owned
by Defendant Brady E, Hester and Karen L, HeSler and United States of America subject to a
mortgage in favor of Federal National Mortgage Association,
2, That the Federal tax lien or liens referred to in Plaintiff's Complaint in Mortgage
Foreclosure ("Complaint") in the above captioned matter is junior in time to Plainliff's mortgage
set forth in the Complaint,
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A!.EI}{)FfICE
OF Ti"'; PS'}TI-lCN:JTMY
97 FEa 13 AM II: ~9
CUMaEfiLAl';u COUNTY
FENNSYLVANIA
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DocuTRANs
PROCESS SERVING. COURT FILING
2207 Chestnut Street
Philadelphia. PA 19103
215-751.9630 FAX: 215.751.9631
AFFIDAVIT OF SERVICE
co
VIi.-
COIJr'TY
L,(jHbe~
SERVE BY
to IIfVI thlt
o Summonl
o Complllnl
o Othor
and malee rllum thereat It'd Iccordlf1g 10 Law
Phll'ddphi.
Auociluon 01
Prolcuion.1
P,ocell SCl'\'cn
SERVE A
~\<{ NOr#\~W01 Sf-,
&\JT\ AntnnlD ) i'i 1~J~q
o ClvolActlOn
o Summons
OWnlot
o Suppalnl
o Notlcl ot RI.I ES11II Sail
o Othor
SPECIAL INSTR~TION~
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MilEAGE
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Served Ino midI known 10 --J ~ {A.. LJ.' _ ur:.1-
(
:-'",,\!j/ "J V, d~ I i ~.:. I~ -1.:1
. IOU,.1 IO:tIS 1111\
",1
\'ro.<I 11
Ilr~h",
on 'hI:? o.y 01 ^ 1)l1.1 L
It r';ll ~ N or-,I~c.\ VeN S f ";(,1.", a." kr, I", -rcy IJ~ /8JZ"l ,County 01 '~iSl Y. /VZ-
Commonwealth 01 Pennsylvania. In the manner C1lScnbed belOw'
o O,II"Olnl.lll personaltv s.,~ed.
l3""'"AduIt femuy member wllh ...am HId Olllnclanql, 'es'dl'SI, Rota"onsn,p IS Jill ')t)A tv '/) .. f)(2./ID Y He'S loL
o Adullln chlrgl of aef,ndant's rlsid.nce who r.lused 10 glvI name or relallonSl'llp
o Manlger/Clerk 01 place 01 lodging In whIch Defendantl" '81112'111.
o Agent or person In Ch3'91 cl Oll'ndant's Olfl(' or usual pileI ot bUSiness
o
o Otnor
o'c!c':~, _----!).!::::::-___ ',4
In elflce, 01 Slid Cellndilnl comc."Y
DE5CRIPTIDN
AGE
HEIGHT
WEIGHT
RACE
SEX
OTHER
Onthl
day 01
,19_,a'
O'ClOCk.
~.
D",ndanl nOllound blcaus.:
o MaVld
o UnlU'lCW"
o No Anawor
o Vacant
o Ol"or
NAME OF SERVER
NIC "LE l" FI!.~I'" OUJVi3 _bc'n9d"~/!""" IC'OM'"C
d.posel and NYltha' h",he is process SINet ".rl.n names; Ind Inll In. 'acls
Nt lorth abOve III true and corrlcllo th, best of Ihllt knowlldge. information and
SUSAN ACOSTA
NOTARY PUBLIC
State of Tex..
Comm, Exp, 12.22.89
Shl'lll
ProClII SIN" I Competent Adul!
.)Ll.L~~
f..!1I_uL(; ~. (=,e,,;'v
6"b ./rv
-
DEPUTIZED SERVICE
Now.lhlS
day at
'9 _, I do horeby deputlZl thl Shl,,1I 01
County
By iCompotlnt Adultl
County Shl"rrl Check I
Law FIrm
Attorn.y', Nlm,
Add"u
50UTHPOINT OFFICE COMPLEX
.l1.60 WEST SWEDESFORD ROAD
SUITE 350
'SERWYN, PA 19312 IcllntJflcatlanI
~TTEST
Far
PRO PROTHY
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