Source: https://www.scribd.com/document/59831292/Sjolander-Note
Timestamp: 2016-07-30 06:43:30
Document Index: 690551778

Matched Legal Cases: ['§ 1692', '§ 673', '§ 159', '§ 170', '§45', '§697', 'art 3', 'art 2']

Sjolander Note
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Plaintiff, ~.,
'tlf;:'9\l\~ ,,c)l,\,
IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA CIVIL ACTION
DIVISION FC-A
to" -CA- 0 n 5 0 3 5
UNKNOWN PARTIES CLAIMING BY TBRO H, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(~) WH :ARE NO KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CL AN INT ST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS; T #1, T ANT #2, TENANT #3 and TENANT #4 the names being fictitious to account for parties in possession, _---' _-:-:::-:::=:_-, ____ D_efi_en_dan_t(_s>· _ ___;1 MORTGAGE FORECLOSURE COMPLAINT
Plaintiff, BANK OF AMERICA, N.A sues Defendants,
DEBORAH A. QUIblM ..
SPOUSE OF DEBORAH A. QUINONEZ; ANY AND ALL UNKNOWN PARTms.s~~~~rnimrnr.UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS; TENANT #1, TENANT #2,
TENANT #3 and TENANT #4 the names being fictitious to account for parties in possession, and alleges:
COUNT I - MORTGAGE FORECLOSURE
This is an in rem action to foreclose a mortgage on real property located and situated in DUVAL
County, Florida, with a property address of621 AQUATIC DRIVE, ATLANTIC BEACH, FL 32233. 2. This firm has complied with the notice requirement of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq, as amended. The Notice(s) previously mailed by the firm is attached hereto and incorporated herein as an Exhibit, 3.
December 18,2009, there was executed and delivered a Promissory Note ("Mortgage Note") and a
Mortgage ("Mortgage") securing the payment of the Mortgage Note. The Mortgage was recorded on January 5,2010, Official Records Book 15116 at Page 2151, of the Public Records of DUVAL County, Florida, (All subsequent recording references are to the public records ofDUV AL County, Florida) and mortgaged the real and personal property ("Property") described therein, then owned by and in possession of the Mortgagor(s). Copies of the original Mortgage Fl0048881·M000100 17655134
Note and Mortgage are attached hereto and incorporated herein as an Exhibit. 4. Federal National Mortgage Association is the owner of the note. Plaintiff is the servicer of the loan and is the holder of the note. Federal National Mortgage Association has authorized Plaintiff to bring this action. Plaintiff is now entitled to enforce the mortgage or mortgage note pursuant to Florida Statutes § 673.3011. 5. 6. The Property is now owned of record by Defendant(s), DEBORAH A. QUINONEZ. The Mortgage Note and Mortgage are in default. The required installment payment of April 1, 2010, was not paid, and no subsequent payments have been made. The Mortgage is contractually due for the April 1, 2010, payment. The last payment received was applied to the March 1, 2010, installment, and no subsequent payments have been applied to the loan. 7. Plaintiff declares the full amount payable under the Mortgage Note and Mortgage to be now due.
AMOUNTS DUE 8. Plaintiff must be paid $115,856.98 in principal on the Mortgage Note and Mortgage, together with
interest from March 1,2010, late charges, and all costs of collection including title search expenses for ascertaining necessary parties to this action and reasonable attorney's fees. 9. All conditions precedent to the acceleration of the Mortgage Note and foreclosure of the Mortgage
have been performed or have occurred. 10. Plaintiff has retained the law fum of Florida Default Law Group, P .L., in this action and is obligated to
pay it a reasonable fee for its services in bringing this action as well as all costs of collection. 11. The interests of each Defendant are subject, subordinate, and inferior to the right, title, interest, and
lien of Plaintiff's Mortgage with the exception of any special assessments that are superior pursuant to Florida Statutes § 159 (2006) and Florida Statutes § 170.09 (2006). 12. THE UNKNOWN SPOUSE OF DEBORAH A. QUlNONEZ may have or claim an interest in the
Property that is the subject of this Foreclosure action by virtue of homestead rights, possession, or any right of redemption, or may otherwise claim an interest in the Property. 13. TENANT #1, TENANT #2, TENANT #3 and TENANT #4, the names being fictitious to account
for parties in possession may claim some interest in the Property that is the subject of this foreclosure action by virtue of an unrecorded lease or purchase option, by virtue of possession, or may otherwise claim an interest in the Property. The names of these Defendants are unknown to the Plaintiff. WHEREFORE, Plaintiff requests that the Court ascertain the amount due Plaintiff for principal and interest on the Mortgage Note and Mortgage and for late charges, abstracting, taxes, expenses and costs, including attorney's fees, plus interest thereon; that if the sums due Plaintiff under the Mortgage Note and Mortgage are not paid immediately, the Court foreclose the Mortgage and the Clerk of the Court sell the Property securing the indebtedness to satisfy Plaintiff's mortgage lien in accordance with the provisions of Florida Statutes §45.031 (2006); that the rights, title and interest of any Defendant, or any party claiming by, through, under or against any Defendant named herein or hereafter made a
DIVISI.()N fC-A
Defendant be forever barred and foreclosed; that the Court appoint a receiver of the Property and of the rents, issues, income and profits thereof, or in the alternative, order sequestration of rents, issues, income and profits pursuant to Florida Statutes §697.07 (2006); and that the Court retain jurisdiction of this action to make any and all further orders and judgments as may be necessary and proper, including the issuance of a "I!t¥.otZftHs~~I{)aS:l~~~ bankruptcy. VERIFICATION OF FORECLOSURE COMPLAINT Under penalty of perjury, I declare that Ihave read the foregoing, and the facts alleged therein are true and correct to the best of my knowledge and belief. BANKOFAMERIc:fA.
BY:~~~'
)-XXXX-~!
deficiency decree, when and if such deficiency decree shall appear proper, if borrower(s) has not been discharged in
~ST{OIS
Title:ff.sst:srlWr (bee
fics'(lEtur
6/~(c2oll
m_ day of114
JUN 28 2011 L-:...
Vl.L 2011
FloridaDefaultLaw rO~~i<.-CIRCUIl P.O. Box 25018 Tampa, Florida 33622-5018 (813) 251-4766
1--.. 1&COURT
YMelissa N. Champagne Florida Bar No. 77395 o Elisabeth A. Shaw Florida Bar No. 84273
COVNTRY-SPECFNMA-R-UNASSIGNED-Team
F10048881
FLORIDA DEFAULT LAW GROUP, P.L. ATTORNEYS AT LAW 9119 CORPORATE LAKE DRIVE 3RDFLOOR TAMPA, FLORIDA 33634 Please reply to: Post Office Box 25018 Tampa, FL 33622-5018 July 26,2010 DEBORAH A. QUINONEZ 621 Aquatic Drive Atlantic Beach, FL 32233 Re: Loan Number: Mortgage Servicer Creditor to whom the debt is owed: Property Address: Our File No.: Dear Borrower: The law firm of Florida Default Law Group, P.L. (hereinafter referred to as "law firm") has been retained to represent BANK OF AMERICA, N.A. with regards to its interests in the promissory Note and Mortgage executed by DEBORAH A. QUINONEZ on December 18,2009. Pursuant to the terms of the promissory Note and Mortgage, our client has accelerated all sums due and owing, which means that the entire principal balance and all other sums recoverable under the terms of the promissory Note and Mortgage are now due. As of the date of this letter, the amount owed to our client is $118,246.60, which includes the unpaid principal balance, accrued interest through today, late charges, and other default-related costs recoverable under the terms of the promissory Note and Mortgage. Additional interest will accrue after the date of this letter. This correspondence is being sent to comply with the Fair Debt Collection Practices Act and should not be considered a payoff letter. Our client may make advances and incur fees and expenses after the date of this letter which are recoverable under the terms of the promissory Note and Mortgage. Therefore, if you wish to receive figures to reinstate (bring your loan current) or pay off your loan through a specific date, please contact this law firm at (813) 251-4766 or client.services@defaultlawil.com. Unless you notify this law firm within thirty (30) days after your receipt of this letter that the validity of this debt, or any portion thereof, is disputed, this law firm will assume that the debt is valid. If you do notify this law firm in writing within thirty (30) days after receipt of this letter that the debt, or any portion thereof, is disputed, 211820832 BAC HOME LOANS SERVICING, L.P. FIKIA COUNTRYWIDE HOME LOANS SERVICING, L.P. BANK OF AMERICA, N.A. 621 AQUATIC DRIVE, ATLANTIC BEACH, FL 32233 FI0048881 Telephone (813) 251-4766 Telefax (813) 251-1541
FILE NUMBER: F10048881
this law finn will obtain verification of the debt or a copy of the judgment against you, if any, and mail it to you. Also, upon your written request within thirty (30) days after your receipt of this letter, this law finn will provide you with the name and address of the original creditor, if different from the current creditor. Florida Default Law Group, P.L. is a debt collector. This law finn is attempting to collect a debt, and any information obtained will be used for that purpose. All written requests should be addressed to Allison R. Sebastian, Florida Default Law Group, P.L., P.O. Box 25018, Tampa, Florida 33622-5018. This law finn is in the process of filing a Complaint on the promissory Note and Mortgage to foreclose on real estate. The advice in this letter pertains to your dealings with this law firm as a debt collector. It does not affect your dealings with the Court, and in particular, it does not change the time at which you must answer the Complaint. The Summons is a command from the Court, not from this law finn, and you must follow its instructions even if you dispute the validity or amount of the debt. The advice in this letter also does not affect this law firm's relations with the Court. This law finn may file papers in the suit according to the Court's rules and the judge's instructions. Finally, if you previously received a discharge in a bankruptcy involving this loan and did not sign a reaffirmation agreement, or if you are currently in an active bankruptcy and in rem stay relief has been granted, then this letter is not an attempt to collect a debt from you personally. This law finn is seeking solely to foreclose the creditor's lien on real estate and this law finn will not be seeking a personal money judgment against you.
If you have questions regarding this matter, please do not hesitate to contact this law finn.
Sincerely, Florida Default Law Group, P.L.
NOTICE Florida Default Law Group, P.L. is a debt collector. This Firm is attempting to collect a debt, and information obtained may be used for the purpose.
Doc 2010001727, OR BK 15116 01/05/2010 at 01: 11 PM, JIM FULLE $95.00 MORTGAGE DOC ST $406.35 I
51, Number Pages: 11, Recorded ~ .. RK CIRCUIT COURT DUVAL COUN'n' RECO GIBLE TAX $232.20
Equity Settlement Services, Inc. 444 Route 111 Smithtown, NY 11787 ~ Attn: Recording Dept. ./
MELANI E B. POWERS BANK OF AMERICA, N.A.
2595 W CHANDLER BLVD
CH1INDLER AZ 95224
[!Ipact A""..
nil Lile Ftr _rdllllDllal 00021182083212009
-I IDoc ID .1
211820832
IEscrow/cloaing
(75"(,
DEFINITIONS Words used In muiliple sections of this document an: defined below and other words are defined in Scaions 3, II. 13. IB, 20 and 21. CI~rtainrules regarding the usage of words used in this document are also provided in Soction 16.
(A) "Security lastrumcnt" document. (B) "Borrower" is DEBORAH A QUINONEZ, means this document, which is dated DBCEMBER 18, 2009 , together with all Riden to tIIis
(C) "Leader" is . BANK OF AMERICA, N.A. Lender is a NATIONAL ASSOCIATION existing under the laws of THE UNITED STATES
Borrower is the mortgagor under this SCl:urity Instrument organized and
Lender's address is 101 South Tryon Street, Charlotte, NC 28255 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated Borrower owes Lender ONE HUNDRED SIXTEEN THOUSAND ONE HUNDRED and 00/100
• The Note states that
Dollars (U.S. $ll6, 100.00 ) plus interest. Borrower bas promised 10 pay this debt in re&ular Periodic Payments and to pay the debt in full not later than JANUARY 01, 2040 (E) "Property" means the property that is described below under the headini 'Transfer of Rights in the Property.' (F) "LOaD" means the debt evidenced by the Note. plus interest, any prepayment charaes and late charges due under the Note, and all sums due under this Seeurity Instrument, plus interest (G) "Illders" means all Riders 10 this Security Insttument that are executed by Borrower. The followini Riders are 10 be executed by Borrower [check box as applicable]: Second Home Rider Adjustable Rate Rider 0 Condominium Rider 1-4 FlIt1iiy Rider Balloon Rider 0 Planned Unit Development Rider OVA Rider 0 Biweekly Payment Rider O Other(s) [specilY]
FLORIDA-Single
F.mly-Flnnle
Matll'reddlellac
Page 1 0110
Fonn 3010 11111
Mot1gage.fl 2006-.fL (05I08)(d~)
A" and appurtenances
1-0054B9fil
All that ceztain land situate in Duval County, rlo%ida, vii: Lot 30-1, AQUA~IC GAlU)ZNS, according to plat thereof recorded in Plat Book 38, .age. 71 and 7lA, of the cuzrent public recozds of Duval County, Florida. Togetber with all the tenements, hereditaments thereto belonging or in anywise appertaining. Parcel
l7l8l8-5352
(GRANTEE) : DEBORAH A. 621 AQUhTIC ATLANTIC QUINONEZ, C>P.IVE 32233-3842 A SINGLE PERSON
ADDkESS:
PkEVIOUS OI'JNER (GRhNTOR): OS/27/2004 1 Hl36-!Hi5
BEhCH,FL
EL>\-1APDS, A SINGLE RECORDED:
O~/28/2004 $10.00
DATED: DBV iii PAGE:
CON~;IDEkATION:
DOC ID #, 00021182083212009
(n) "Applicable Law" means all controlling applicable federal. state and local statutes, regulations. ordinances and administrative rules and orders (that have the effect of lawl as well as all applicable final. non-appealable judicial opinions. (I) "Community A..... i.tion Du... F..... nd An_m •• "'" means all dues. fees, _ments and other ciIargeI that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Elettronic Funds Transfer" means any transfer of funds. other than I transaction originated by check, draft, or simn .. paper insmment, which is initiated through an electronic terminal, telephonic ilUltrument, c:ompu1Cr, or magnetic tape so as to order, instruct, or authorize a financial 'institution to debit or credit an account. Such term includes, but is not limited to, polnt-ofsale transfers. automated teller machine transaclions, transfers initiated by telephone. wire tr.nsfers, and automated cleatinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscell •• eoul Proeeeds" means any compensation, settlement, award of d8ltl8ies. or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section S) for: (i) damlae to, or destruction of; the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurante" means Insurance protecting Lender against the nonpaYl!l4mtof, or default on, the Loan. (N) "Periodic: Plyment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus <iif any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U,S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C,F.R. Part 3S00), as they might be amended from time 10 time, or any additional or suc:cessor legislation or regulation that governs the same subject matter. As used in Ihis Sec:urity Instrumen~ "RESPA' refers to all requirements and restrictions that are Imposed in regard to a • federally related mortgaae loan" even if the Loan does not qualify .. 8 'federally related mortgage loan" under RESPA. (P) "Sueeessor ia Int_t of Borrower" means any party that has taken title to the Property, whether 01' not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIOIITS IN THE PROPERTY This Security Instrument secures to Lender. (i) the repayment of the Loan, and all renewals, extensions and modifications of tbe Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, the following described property located in the COUNTY of DUVAL
[Type .rRe<Ording JurL..tiClioni
.fRocon!ing Jurisdiction]
"A" ATTACHED
171818- 5352 621 AQUATIC DR, ATLANTIC BEACH
ISl1mICilyJ
CUrmttly
Florida 32233 - 3842 ("Property Address'); [ZIP Codel
TOGETHER WITH aU the improvements now or hereafter erected on the property, and all easements, appurtenances. and fixtures now or hereafter a part of the property. AlIlCplacements and additions shan also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as tbe ·Property." BORROWER COVENANTS thai Borrower is lawfully seised of the estate hereby conveyed and has the right to mortglllle, grant and convey the Property and that the Property is unencumbered, excep! for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. TIllS SECURITY INSTRUMENT combines unifonn covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute 8 unifonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. P.yment of Principal, Interest, Escrow Ite .. s, Prepayment CIIIrges, Illd Late Charps. Borrower shall pay when due Ihe priacipal of, and interest on, the debt evidenced by the Note and any prcpeyment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Secul'if)' Instrument shall be made in U.S, currency. However. if 1liiy check or other instrument received by Lender as payment under Ib~ Note or this Sec:urity In,trument is returned to Lender unpaid, Lender may require !hit any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following fonns, III selected by Lender. <a) cash; (b) money order; (e) certified check, bank check, treasurer's check or cashier's check, provided any such chock is drawn upon an instilutlon whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
FLORtOA-SIngIo Famly-Flnnle
Mol1gage-fL
MIlIFroddl. Mac UNIFORM INSTRUMENT Page 2 of 10
1'_3010
2~FL
(05108)
DOC ID #. 00021182083212009
Payments are deemed received by Lender when RCeived at the location desianaled in !be Note or at such other location as may be designated by Lender in accordance with the notice provisions in Sectioll Lender may relUllllll1Y payment or partial payment if the payment or partial payments are Insufficient to bring the Loan current. Lender may accept 1lIIY payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to Its rights to refuso sudt payment or partial payments in the future, but Lender is not obligated to apply such paymellls at !be time sud! paymellls are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on UlllPPtied 1IInd.s, Lender may hold such unapplied fimds until Borrower makes payment to bring the Loan current. If Borrower does nOl do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier. such funds wilt be applied to the outstanding principal balance under the Note Immediately prior to fOleClosule. No offset or claim which Borrower might have now or in the futwe against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 1. Application of Payments or Proceeds. Except as otherwise described in this Section 2. all payments IICI:CPtecl nd a applied by Lender shall be applied in the following order ofpriori1y: (a) interest due under the NolC; (b) pril1l1ipaldue under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges. second 10 any other amoullls due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which im:ludcs a suffioient amount to pay any late charge due. the payment may be applied to the delinquent payment and the late charae. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments it; and to the extem that, each payment can be paid in full. To the extent that any excess eKists after the payment is applied to the full JlIIYII1ent of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayment. sball be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. l. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments m due under the Note, until the Note is paid in full, a sum (tile 'Funds') to provide for payment of amounts due for: (al taxes III1dassessments and OIher items which can attain priority over this Security Instrument as a lien orcncumbrance on the Property; (b) Rasehold payments or around rents on the Property. if any; (c) premiums for any and all insurance required by Lender under Section '; and (d) Mo!tpge Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortaage Insurance premiums in accordance with the provisions of Section 10. These items are called "Es_ Items.' At oriaina1ion or II 1lIIYtime duringlbe term of the Loan. Lender may require that Community Association Dues, Fees III1dAssessments, if any, be escrowed by Borrowe,', and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly f~mish to Lender all notices of emounts to be paid under this Section. Borrower shall pay lender the Funds for Escrow Items unlm Lender waives Borrower's obliptlon to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funda for any or all Escrow Items at any time. Any such waiver may only be in writing. In tile event of such waiver, Borrower shall pay directly. when and where payable, the amounts due for any Escrow Items for wllich payment of Funds has been waived by Lender and, If Lender requires, shall furnish to Lender receipts evidencing sueh payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and aareement contained in this Security Instrument, as the phrase "covensnt and agreement" is used in Section 9. If Borrower is obliaaled to pay Escrow Items direcdy. pursuant to a waiver, and Borrower fans to pay the amount due for an Escrow Item, Lender may exercise Its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender Illy such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given In IICCIlI'dancewith Section " and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the timo specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of airrent data and reasonable estimates of expenditures of future Es<:row Items or otherwiae in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federalasc:ncy. illStrumentslity, or endty (im:luding Lender. if Lender is an institution who se deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the limo specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually anelyzing the escrow account, or veriiYing the Escrow Itetllll. unless Lender pays Borrower inllreSl on tfw funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires intcrcsl to be peid on the Funds. Lender shall not be required to pay Borrower any interat or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, wi!bout charge. an annual accounting of the Funds as required by RESPA. • If!bere is a surplus of Funds held in escrow, as defined underRESPA, Lender shall _.uto Borrower for the excess funds in accordal1l1C with RESPA. If there is a shortslle afFunds hold ia escrow, as defined under RESPA. Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessory to make up the shorta&e In 8IlCOrdance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in es<:IOW. as defined under RESPA, Lender shall notifY Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up !be deficiel1l1yin aooordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to BOmlwer any funds held by Lender. 4. Cha~ Liens. Borrower shall pay all taxes, assessments, charges, fmes. and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or around rCl1ts on the Property, If any, and Community Association Dues, Fees. and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
FLORtDA-Slngl1 Family-FIMIo MltIF .. ddll Mac UNIFORM INSTRUMENT MorIGage-Fl
2006-·FL (05103) Page 3 Dl10 Form 3010 1/01
DOC IO #: 00021182083212009
Borrower shall promptly discharge any lien which has priority over this Security Instrument unle51 BonDwer: (a) agrees In writing to the paymetlt of the obti'gatlon secured by the lien in a manner ac<:eptable to Lender, but only so lon& as BOlTOWeris performing such agreement; (b] contests the lien in good faith by, or defend, acalnlt enforcement of the lien in,legal Proceedinlll which In Lender's opinion operate to prevent the enforc:ement of the lien while those proccedln81 are pending, but only until IlICh proceedings In concluded; or (c) secures from the holder of the lien UI agreement satisfactory to Lender aubonIInating the lien to thi~ Security Instrument If Lender determines that any part of the Property Is subject to a lien which can atllin priority uver tbis Security Instrument, Lender may give Borrower a notice identifying the lien. Widrin 10 days of the date on whicb that noIiee Is given, Borrower shall satisfy the lien or take one or more of the actions set fOl1babove In this ~on 4. Lender may require Borrower to pay a one-time cbarge for a real estate tax verification ancUor reportina service used by Lender in conncctlon with this Loan. S. Property Insunace. Borrower shall keep the improvements now existing or hereafter erected on the Proper1y IniAlred against loss by fire, hllZ8f1lsincluded within the term "extended coverage," and any other hazards 1n<:luding, but not IimilCll to, earthquakes III1d floods, for which Lender requires Insurance. This insuranee shall be maintained in the IIIIOURIS(in<:llldlng deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the precedinll smtences can change during the term of the Loan. The insurance cmier providing the insurance shall be chosen by Borrower sulject In Lender's riIIIt In disapprove Borrowefs choice. which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (8) a one-time charge for flood zone delenninalion, certiflClllon and lIlII:kinll services; or (b) • one-lime charge for 1100d zone determination and certilicalion services and subsequent charsea each time remtpplngs or similar chanlles eceur which reasonably might affect such determination or certification. Borrower shall also be responsible forthe paynI«lt ofany fccs imposed by the Federal Emergency Management Agency in connection with die review of any flood zone determinatirn resuking from iIII objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance COYCl8&e. LencIa's option at and Borrower's expense. Lender is under no obligation 10 purchase any particular type or amount of coverase. Therefore. such ooY""'8e shall cover Lender, but might or might not protect Bonower, BOlTower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously In effect. Borrower acknowledges that the cost of the insurance coyerqe so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section ~ shall become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. Ail insurUtCC policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee amVor IS an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires. Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurUtce coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, seeh policy shall include a standard rnortaage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event ofloss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may mike proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the rcstonstion or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property In ensure the wort has been completed to Lender's satisfaction, provided that such inspection shall be undcrt8ken promptl~. Lender may disburse proeeeds for the repair! and restoration in a single payment or in a series of progress payments as the work is completed. Unless an eareement is made in writing or Applicable Law requires interest In be paid on such lnsuranee proeeeds, Lender shall not be required to pay Borrower any interest or eaming5 on such proceeds. Fees for poblic adjusters, or other third parties, retained by Borrower shall not be paid out ofthe insunmce proceeds and shali be the sole obligation of Borrower. If the restoration or repair Is not economically fellSible or Lender's security would be lessened, the insuranee proceeds shall be applied 10 the sums secured by this Secllri1r instrument. whether or not then due, with the excess, if any, paid In Bonower. Such Insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may tile, negotiate U1d settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender tbat the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The Jo-day period will beJin when the notice is given. In either event, or if Lender acquires the ProperI)' under Section 22 or otherwise, Borrower hereby usigns to Lender (I) Borrowe~s rights to any inlUl'lltCC proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all Insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Propcr1y. Lender may use the insuranee proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. " OCtRpancy. Borrower shall oe<:upy, establish. and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of cecepaney, unless Lender otherwise agrees in writina. which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Malntellanee and ProtectIon or tbe Property; lnspectloa .. Borrower shall not destroy, damage or impair the Property. allow the Property to deteriorate or commit waste on the Propeny. Whether or nOl Borrower Is mldi"8 in the Property, BOlT()Wershall maintain the Property in order to prevent the Property lion! deteriorating or decreasing In value due to its condition. Unless it Is determined pursuant to Section S that repair or restoration is not economically feasible. Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage 10, or the taking of, the Property, Borrower shall be responsible for repairing or restorlnldle Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a sinale
FLORIDA-·Slngle Mortgage-Fl 2006-FL (05JOa) Famiy-Fannle MulFreddl. 1M"" UNifORM INSTRUMENT Page 4
DOC ID #: 00021182083212009
payment or in a series of progress payments as the work is completed. If the 1n.1UTII1COcondemnation proceeds are noc sufllclent or to repair or restore the Property, Borrower is not relieved of Borrowe(s obligation for the completion of such repelr or restOration. Lender or its agent may make tea50nable entries upon and inspections of the Property. If it has l'eII!OIIIbIecause, Lender may inspect the interior of !he improvements on the Property. Lendet shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable 'BIlse. 8. Borrower's LoaD Appllation. Borrower shall be in defauh if, during the Loan appli~OII process, Borrower or any persons or entities acting at the diret:tion of Borrower or with Borrowa's knowledge Of consent gave materially raise, misleading, or inaccurate information or statemetlts to Lender (or failed to- provide Lender willi material information) in conndon with the Loan. Material representations include, but are not limited to, representations conccming Borrowe(s occupancy ofllle Property as Borrower's principai residence, 9. Protection of Lender's Interest In Ibe Property and RItIhll Under this Sec.rIty Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceedina that might significantly affect Lenders interest in the Property and/or rights under tbis Security Instrument (such as a proceeding in blllkruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enfcree laws or regulations). or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropri_ to prolc~1 Lender's interest in the Property and rights under this Security Instrument, includins protecting andIOf uaassinll1he value of the Property, and securing andlor repairing the Property. Lende~s actions can include, but are not limited to: (a) payina any sums secured by a lien which has priority over this Security Instrument; (b) appearinaln court; and (0) paying rcuonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrumcrtl, including its SDCUred position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violatlons or dangerous conditions, and have utilities tumed on or otT. Although Leeder may lake action under this Section 9, Lander does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not takina any or all lICtions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become Idditional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the dale of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions oflbe lease. If Borrower acquires fee title to Ihe Property, tbe leasehold and the fcc title shall not merge unless Lander agrees to the merger in writing. 10. Mortgage I•• urlllce. If Lender required Mortgage Insurance as. condition of making the Loan, Borrower shail pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortga&e Insurance coverage required by Lender ceases to be avanable from the mortgage insurer that previously provided such insurance and Bonowcr was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to oblain coverage substantially equivalent to the Mortgage lnsurenee previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insur&nce coverage is nol available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were duo when the insurance coverage ceased to be in effect Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any intereSt Of earnings on such loss reserve. Lender enn no longer require loss reserve payments if Mortaage Insurance coveraae (in the amount and for the period Ihal Lender requires) provided by an insurer selected by Lender again becomes available. is obtained, and Lender requires separately designated payments toward the premiums for Mortpge Insurance. If Lender required Mortaage Insurance as a condhion of making the Loan and Borrower was required 10 make sepanlely designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mor1pge Insurance in effect, or to provide a non·refundable loss reserve, until Lender's requirement for Mortgage InSUl'Jllce ends in lICCOrdancewith any written agICCIIIeRtbetween Borrower and Lender providing for such tcnninalion or until tcrmilt8lion is required by Applicable Law. Nothing in this Section 10 affects BorrowCl's obligation to pay inlerest at tile rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may inour if Borrower does not repay the Loan as agreed. Borrower is nota party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force ftom lime to time, and may enter into agreements with other parties that share or modiJY their risk, or reduce losses. These allfCC'mentt are on terms and conditions that are satisfactory to the mortgage insurer and tile other party (or parties) to these aareements. These agreements may require the mortgage insurer to make paymenl~ using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result oftbese agreements, Lender. any purchaser of the Note, anothcr insurer, any reinsurer, any other antity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive Iiom «()r mighl be characterized as) a portion of Borrowe~5 payments for Mortgage Insurance, in exchange for sharing or modifYing the mortgage insure~s risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurefs risk In exchange for a shirt of thc premiums paid to the insurer, the arrangement Is often ICrmed 'captive reinsurance.· Further: (a) Any sod! Igr_ents ,.,iII not ,ffect Ibe amounts tblt Borrower lias IJfUCI to pay for MOrlpae Ins .... nee, (or aDY other terms the LoaD. Sucb a,reemeDII ,.,iII Dot Increase Ibe ImoUllt Borrower will owe ror Mortgage Inl1lrD1lct, Ind tbey wiD .01 llltitie Borrower to any refund. (b) ADY sock agreemenll will not Iffecl tbe rlpb Borro,.,er bn - "I.)' - wltll r"peet to Ibe Mortpp IlIIlIraAee under the Homeowaer. Protection Act of 1998 Of Iny olber 1111'.nell! ripll IIIIIYIIIdud. tile ript to neelve certain disclosures, to request and obtai. canceUatton of the Mortpge Insuranee, to hive tile Mortpp I...... nee tenDluled automatically, Indlor to reeelvea refund of any Mortpge losurance premluma Iblt were uHarued al till time 0' lucb clllceUation or !e11ll1nltlou. 11. iUsipmeoi of Miscellaneous Proceeds; For'eiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender.
FLORlDA-Slngle
Family-Finnie
MHIF_1o
Moe UNIFORM INSTRUMENT P~e ~ of t 0
FORII 3010 1101
M~age·Fl
2006-Fl (OIi/08)
DOC 10 t: 0002l1B20B3212009
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoralion period. Lender shall have the right to hold such Miscellaneous Pruceeds until Lender his had an opportunity to in~ sudl Property 10 ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a singlc disbursement or in a series of progress payments IS the work Is completed. UnlC5/;an agreement is made in writing or Applicable Law requires interesllo be paid OIl such MlscelllIICOul Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the rcstoraIlOll or repeir is not economically feasible or Lender's security would be lessened, the Miscellaneous Procoeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess. If any, paid to Borrower. Such MiscelllllCOus Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Insmment, whetIIer or not then due, with the excess, if any, paid to Bcrrower. . In the event of a pllllial taking, destruction, or loss in value of the Property In whkh the fBir marice! value of the Property immediately before the partial taking, destruction, or loss in value Is equal to or IfC8ICI' than the amount of the sums secured by tltis Security Instrument immediately before the partial taking. destruction, or loss In value, unless Borrower and Lender otherwise agree in writing, the sums secured by Ibis Security Instrument shall be reduced by the _t of the Miscellaneous Proceeds l'\lul1ipliedby the following fraction: (8) the total amount of the sums secured immediately before the partlaI taking, destruaion, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking. destrul:tion, Or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking. destruction, or loss in value of the Property in which the fair market value of the Property immediatcly before the partial taking, destruction, or loss in value is less than the amount of the sums secured Immediately before lhe partial taking. destruction, or loss in value, unless Borrower and Lender otherwise agree in writing. the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or nol the sums are tIten due. If the Property is abandoned by Borrower, or If. after notice by Lcnderto BOIlOWerthat the Opposing Party (as defined in the next sentence) offers 10 make an award to seule a claim for damaaCli, Borrower fBils 10 respond to Lender within 30 days after the dale the notice is given, Lender Is authorized to collect and apply the Miscellaneous Proceeds either 10 restoration or repelr or tile Property or to the sums secured by this Security Instrumen~ whether or not then duc ." Opposing PIIlIy" means the third party. tllll owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in reglll'd to Miscellaneous Proceeds. Borrower shall be in default ifany action Drproceeding. whether civil or criminal, is begun that, In Lender'sjudgmcnl, could result'in forfeiture of the Property or other material impairment of Lender's interest in the Property or riplS under this Security Instrument. Borrower can cure sud! a default and, if acceleration has occurred, remSllte as provided In Section 19. by CllUSin, the action or proceeding 10 be dismissed with a ruling that, in Lender's judgmc~ precludes forfeiture of the Property or other material impairment of Lender's Interest in the Property or rights WIder this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interesl in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for.in Section 2. 12. Borrower Not Released; Forbeal'llacc By Leader Not. Waiver, Extension of the time for paymont or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required 10 commence proceedings against any Successor in Interest of Borrower or to refuse 10 extend time for p&ymcnt or otherwise modify amortization of the sums secured by this Security Instrument by rea.~ of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including. without limitation, Lenders acceptance of payments from third persons, entities or Successors ill Interest of Borrower or In amounts less than the amouot then due, shall not he a waiver of or preclude the exercise of any ri&hlor remedy. fl. Joint and Several Liability; CHignen; Successors and Alsip, Bound. Borrower covenants IIId agRCS that Borrower's obligations and liabilily shall be joint and sevctal. However, any Borrower who _signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Securily Instrument only to mortgage, grant and convey the co-signers interest in the Property under the terms of this Securlt) Instrument; (b) Is not personally obliptcd 10 pay the 5IIIR$ secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree 10 extenct. modlty, forbear or malle any accommodations with regard 10 the terms of this Security Instrument or the Note without the co-signer's COJIsenL Subject to the provisions of Section 18. any Successor in Interest of Borrower who assumes Borrower's Qbliplions undeJ thll Security lnstrument in writing. and is approved by Lender, shall obtain all Df BOIlOWer'srights lIIel benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unIesa Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the SUCCCSSOB and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed In connection with Borrower's defaul~ for the purpose of protecting Lender's imerest in the Property and rights under this Security Instrument, including, but not Bmiled to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of elql(CSSauthority in this Security Instrument to charge a speoific fee 10 Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. . If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or 10 be collected in connectloo with the Loan exceed the pennilled limill, then: (a) any sud! loan charge shall be reduced by the amount necessary to reduce the charge to the pennitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose 10malle this refund by reduc:ing the principal owed under the Note Dr by making a direct payment to Borrower. If. refund reduces principal, the reduction will be treated as a partial prepayment without any prcpaymem charge (whe!her or not a prepaymenl ebarae is prDvided for under the Note). Borrowe~s acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any ript of action Borrower might have arising out of such overcharge.
FLORlDA-Sing1e Famiy--Fannl.
MotlFreddie Mlc
UNIFORM INSTRUMENT Page
'ann 31110 1101
MotIQago-Fl
2000-FL
(M'08)
e of 10
,...-------------------~
OR BK 15116 PAGE 2158
10 !to 000211.82083212009
15. Notica. AU notices given by Borrower or Lender in comection with this SecurIty Instrument must be in writing. Any notice to Borrower In IlOMec:tion with this Security Instrument shall be deemed to have been given to BoITOWCI when mailed by firSt class mall or when actua1ly deJivmd to Borrower's notice addresIlf sem by oCher means. Notice to any one BorToIm' shall c:ooSlilUle notice to all Borrowers unless Applicable Law expressly requilllll otherwise. Tho nOlk:e address shill be the Property Address unless Borrow« has designated a substitute notice address by notice to Lender. Borrower shill promptly DOliI)' Lender of Borrower's change of address. If Lender sJICI)ines • proc:cdure for reporting BOITOWtI'I chlllp of address, then Borrower shall only report • change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be Biven by delivering It or by mailinll it by first class mail to Lender'. address stated herein unless Lender has desianated another address by notice to Borrower. Any nolk:e In IlOnneclion with this Security Instrument shill not be deemed to have been given to Lender until actuIIly RlCCived by Lender. If any noliec required by this Security Inslnlment is also required under Applicable Law. the Applicable Law requIrement will SIIisl)' the corresponding requirement under this Security Instrument. 16. GO\'eJ'IIl'l UlIII'l SeYerabWty; Rul .. of Coastradlon. This Security Instrument shill be governed by foderallaw and the law of the jurisdiction in which the PrupeJty is luc:ated. All ripm IIIfI obligations cOlltained In this Security Instrument are subjoct to any requirements and Ilmi1atIOllS of Appli~e Law. Applicable Law might oxplidtly or implicitly allow tho parties to agree by c:ootracl or it miahl be siieflt, but such silence shall not be construed IS • prohibition apinst agreement by contract. In tile event that any provision or ,Iause of this Security Instrument or tile Note conflicts with Applicable Law. such conflict shall atree! other provisions of this Security Instrument or the Note whicb can be given effec:t witholll the COIIflicting provision. As used in this Security InSIrUment: (a) words of the masculine gender shall mean 8IId include corresponding neU1er words or wonts of the fimlinine puler; (b) words in the sinaular sball mean and include the plurallllfl vice versa; and (e) the word "may" gives aole di5!:retion without any obligation to take any action. 17. Borrowe .... Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer 01 tile Property or I Beaelldall.ternt I. Borrower. As used in this SectiOll 18, "InteRsl in tho Property' means any legal or beneficial intetest in the Property. including. but not limited to, those beneficial interests transferred in • bOIId for deed, contract for deed. installment slles conlnKlt or escrow aweement. the intent of which is the transfer of title by Borrower at • future date to a purchaser. . If all or any part of the Property or any Interest in the Property is aold or IJBnsferred (or ifBolTOWer is not a natural person and a beneficial interest in Borrower is aold or n.nsferred) without Lender's prior wrItmi COIIscnt, Lender may roqulre Immediate payment in full of aD Suml secured by this Security Instrument. However. this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. tf Lender exercises this option. Lender shill giw Borrower notice of acceleration. The notice shall provide • period of not less lhan 30 days Ii'om the date the notice Is siven in ICQOI'dance with Section 15 within which Borrower must pay .11 sums secured by this Security Ins1nImeDt. If·Borrower fails to pay these sums prior to the expiration of this period, Lender may Invoke anY remedies permitted by this Security Instrument without tiather notice or demaIld on BoIrower. 1'. Bor.-er'. RI&ht to Relaatate After Atteleratlol. If Borrower meets cen&in conditiOlls. Borrower shall have the right to have enforcement oflhis Security Instrument discontinued at any time prior to the earliest of: (a) nve days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period IS Applicable Law might speciIY for the termination of Borrowcfs right to reinstate: or (c) entty of a judgment enfordng this Security Instrument. Thoae COIIdilions arc that Borrower: <al pays Lender all sums which then would be due under Ibis Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covtIIants or apementS; (cl pays all expenses lncurred in enforcing this Security Instrument,lncluding, but not limited to, ICISOnable attorneys' fees, property inspection and 'VIIluation feel. and other fees incurred for Ibe purpose of protec:ting Lender'5 Interest in the Property and righlS under this Security Instrumenll an~ (d) likes such action 85 Lender may rasonably require to assure thai Lender's Interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument. shall continue unchanJed, Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (al cash; (b) money order; (c) certified cbeck, benkcheck, treasurer's check or cashier's check, provided any sucb check is drawn upOl\ an institution whoaedeposits are insured by a federal agency, instrumentalitY or cotIty; or (eI) Electronic Funds Transfer. Upon reinstlllement by Borrower, this SecurIty Instrument and obUp1ions secured herdJy shall remain fully etrective as if no acceleration had 0C<lUIICd. However. this rigbt to reinstate shall not apply in the case of acceleration under Section 18. 20. S411e .'NICe; CII.a .. or Loan Servleer; Notke of Grieva_. The Note or • partial interest in the Note (tDgether with this Security Instrument) IlIII be sold one or more times wlth<MItprior notiCe to Borrower. A sale might result in a change in the enlity (known IS the 'Lc!m Servicer") that collects Periodic Payments due under the Note and thi, SecuritY Instrument and performs other ~ loan servicing obligations under the Note. this Security Instrument. and Applicable Law. There IIso might be one or more changes of the Loan Servicer unrelaled to a sale of the Note. If there is • change of the Loan Servicer. Borrow« will be gi_ wrltml notice of the chlnge which will state the name and eddress oflbe new Loan Servicer. the address to which payments should be made and any other information RESPA roqulres in coMecIion with anotice of transfer of servicins. If the Note is aokl and thereaftor the Loan Is serviced by • Loan Servicer other than the purchaser of the NQ(C, the mortgage loan servicina abUgatiOllS to Borrower ....111 remain with the Loan Scrvicer or be transferred 10 a successor Loan Servicen and arc not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join. or be joined to any judicial actlon (as. either an individual litigant or the member of a class) thai arises fi'om the other party's actions purauant to thIs Security Instrument or that alleges that the other party has breached any pnwision of. or any duty owed by reason of, this Security Instrument. until such Borrower or Lender has notified the other party (with IUl:h notice &ivc:n in compliance with the lCquiremenlJ or Section I S) of IUCh alleged breach and afforded the other party hereto a rouonable perind atler the Siving of such notk:e to like correctfvo Ilition. If Applicable Law provides a time period which must elapse before certain actlon can be taken. that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure aiven to Borrower pursuant to Section 22 and the notice "f acceleration given to Borrower pursuant to Section 18 shall be deemed to SIIillY the notice and opportunity to take COII'tlttlvc action provisions of this Section 20.
FLORIDA-S1ng1e Mcrtgoge-FL 2008-FL (0&08)
Famly-F
MoeJFr.ddI. II .. UNIFORM INSTRUMENT
Form 3010 1J01
DOC 1D •• 0002l1B20832l2009
21. Hazardoa. Sabltl.ces. As used in this Section 21: la) 'HlIZII'doul Substances' are those substances defined aSloxic or hazardous subsllll1Cel. pollUlanll, or ....... by Environmcnlal Law IIId the following substances: psollne, lcerolelle, other f1l11111111blc toxic petroleum products, toxic pesticides and herbicides. volatile 1IOIvents, materials containing asbestos or or formaldehyde, and radiOlClive materials; (b) "Environmental Law" meaRS federal Jaws and laws of the jurisdiction whn 1be Property is Icx:ated that Rille to health. safety or envll'OlllllOlltal proIeI:tion; (t) "Envlronmenlal CJ_up' includes any response action, rcmcdialactiOl1, or removal action. IS defined in Environmental Law; and (d) an 'Envlromnental Condition' means a condition that can cause. contribute to. or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit 1be presence, use, dlipOSll. stOraae, or releue of any HlIZII'dous Substanc:cs, or threaten Ii) rel_ any HlIZII'dous Substances, on or In the Property. Borrower shall not do. nor allow anyone else to do, anything affecting the PJopcrty (a) that is In violation of any Environmental Law, (b) whidl cRBles an Environmental Condition, or (c) which, due to die presence, usc, or release of a HlIZII'dous Substance, crcaIes • condition thai adversely affects the nlue of the Property. TIte preeecling two sentences &ball not apply to lhe presence, usc. or sto,. on the Property of small quantities of Hazardous Substances that arc pnerally l'CIlOgIIizcd to be appro~ to IIOnI1II residential uses and to maintenance of the Property (including. but not limited to, hazanlnus substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim. demand, lawsuit or other action by any govemmcntal or regulatory agency or private parI)Ilnvolving the Property and any Hazardous Subalamc:e or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Coodltion. includinc but not limited to. any spilllng. leakln" discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a HazIrdous Subatancc which adversely affects the value of the Property. If Borrower learns, or is notified by any sovemmental or regulatory authority. or any private party. that any rtmoval or other remediation of any Hazardous Subatance affecting the Property is necessary, Borrower shall promptly take all neoes5llJl remedial actions in accordance with Environmental Law. NoIhinS herein shall create any obligation on Lender for an Environmental Cleanup. NON·UNIPORM COVENANTS: Borrower and Lender further covenant and IIfCC • follows: Remtdla. Leader _II &lve notice to Borrower prior to aealenlloa foUowIDCBorrower's brIIIell or I.,. __ at or a.. _1 .. this Seellrlty faRrallltllt (bnt DOt prior to aereleralloa .1Id.. Section 18 aDieu Applicable Law provldea o~enriIe). Tlte lotlee allaH speclfyl (a) the dda.1t; (b) tb. led .. Nqlireci to care tile d.f .. lt; (e) I ct.te, 101 leas dlln 30 dlYS t'ruiJI the date tile notlet II &lvtll 10 Borrower. by wlalell the default mUll bt CIft4; ad (d) ~II r.llure tD cure tile deflult on or before the date lpeeilled Ia lb•• ollce may realllt la .cc:elIrIlIoa or tile 1UIIIIlKllnd by tllil Seenrlty futnllDtDt, foredoatlre by Judlc:lll proceedlnl and .. Ie of "e PrGpertyo TIle IIOIlee Iblll IIIrther II form Borrower of the ript°to reinstate after Icceleratlon and lb. rIgIIt to alltrl Ia lb. fondosure proeecdla ..... non-ex~e of • der.ult or •• y-otblr deflll .. or Borrower to _lenition llId foreelolu .... If th. def.ult 11il0l cured GIlor before til, date in lb. lotIc., Lender .t Ita option may require Immediate ,.ymIDI In 1110of III IUIIIIIKllred by "Is Seturlty lut_ent .. rlbout f.rther demlld I.d mlY foredose thll Setarity Jaatrumeal by JDdkla1 proeaediJlg. Leader aII.11 be entitled to eolled all'lpIIIleallelrnd hi pu .... ln'tlle remedies provided In this Seetlon n, Ileladlft" but not limited to, m_able Ittoru)'I' fees aDd _.. of title evlden«12. A«tIeratlol;
..-UIed
FLORIDA-Single FlmII""'ntI'-
Me UNIFORMINSTRUMENT
Form 3010 1/01
MoII8 ..
2008-FL 10MI8)
DOC 10 #: 00021182083~12009
23. Hehlll&\. Upon payment of all sums secured by this Security Ins1I'IImefll, Lend., shall release this Sel;urity Instrument. Borrower sball pay l1li)' leOOIdation costs. Lender may cblrp Borrower a fee for releaslna this Security fnS1l'llmeDt,but only if the fee is paid to • third party for lC!\'ices rendered and the dwJina or the fee Is pcnnillOd under Applicable Law. l4. Attoneys' Fees. As used in this Security InS1l'Umenl and the Note, lIItorneys' fees shall include those awarded by an appellllC cowl and any Ittomeys' fees incurred in a bankruplC)' proceedina· lS. Jury Trial W.lYtr. The Borrower hereby waives lillY ripl to a trial by jill)' in any action, proceedin" claim. or counterclaim, whether in contract or tori. at law or in equily, arising out of or In any way related to this Security Instrumenl or the Note. BY SIGNING BBLOW. Bonower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider eKccuted by Borrower and recorded with it. Signed, sealed and delivered In the presence of.
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'JlJ~A:Ou~(L~~~~fI..IJ!J/.-!Pr-·-------=-'80~:
~(Seal)
62l AQUATIC DR ATLANTIC RF.:1>.ClI,FL 32233-3842
___ .___..._ . .._......_.. .__...... _ ... __.
--=-(SeaI)
--::c-(SeaI)
• Borrower
FLORIDA-SIngIe FomIIy-FIMIe """'~
Mac UNIFORM INSTRUMENT Page 9 clIO
Fann 3OtO tlll1
~ 2006-FL
Itt ue:CEooUt.. 'do:> "I
V '" Covaty
DOC 10 .: 00021182083412009
STATE OF FLORJDA, The foregoing instrument was acknowledged before me this
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who ~;-;'"is-personaI~=Iy-;known~=-:-to-m-e-or-w-;-ho-;h-as-prod--;-uced-'-"'F~_Q)7.2f:-:;:-:-14:--TA-':o;D:7~rr\~1.t:::-:2=-.$-;-'U"7"':"""N-::::S--{'---as-;id-;-enti-::-;;·fI-cal:;-ion:
LEE ANN VASQUEZ Notary Public, State 01 Florida My comln. expo April 21, 2012 Comm. No. DO 780643
PLCRIOA-SIngI. F... IIy-Fllln'" MHlFroddi. Moe UNIFORilINSTRUMEHT 2008-fL(Il5I08)
MorIgage-FL
Fonn 3010 1101
Peg. 10 0110
by: MEI.AIIIE B. P01IERS
(SIIIe) [CIty)
LOAN #: 211820832
[Date)
ATLANTIC BEACH 621 AQUATIC DR. ATLANTIC BEACH, FL 32233-3842
[Proport) Address)
BORROWER'S PROMISE TO PAY In return for a 10lIl dIIt I have received, J promise to pay U.S. $116.100.00 (this amount is called "Principal"), pluslnterest, to the order of the Lender. The Lender is BANK OF AMERICA, !l.A. I will make all payments under this Note in the fonn of cash, check or money order. I uruIentand that the Lender may IlUSfer this Note. The Lender or anyone who lakes this Nole by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid I will pay interest at a yearly rate of S.750%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. PAYMENTS (A) TilDe and PIKe 01 Payments Iwill pay principal and interest by making a payment every month. Iwill make my monthly payment on the FIRST day ofeach month beginning on FEBRUARY01. 2010 . I will make these payments every month until Ihave paid alI of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due elite and will be applied to interest before Principal. If, on JANUARY 01, 2040 ,I still owe amoWlts under this Note, I will pay those lIDounts in full on that date, which is calied the "Maturity Date." I will make my monthly payments at P.O. Box 660694. Dallas. TX 75266-0694 or at a di1fen:nt place ifrequired by the Note Holder. (8) Amount 01 MoatIIIy Payments My monthly payment will be in the amount of U.S. $677 .53 BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, 1 wiD tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due uncia the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my PrepaymenIS to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and Wlpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due elite or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. WAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be col1ected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already col1ected from me wbi( h exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal'l owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. BORROWER~FMLURETOPAYASREQ~D (A) LaCe CUrge for Ovenie Pay.eats If the Note Holder hIS not received the full amount of any monthly payment by the end of FIFTEEN calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge wm be 5.000 % of my overdue payment of priaeipal and interest. I wiD pay this late charge promptly but only once on each late payment. (8) Def .. 1t ·If I do not pay the full amount of each monthly payment on the date It is due, I will be in default. (C) Notice or DeIi.Jt IfI am in default, the Note Holder may send me a written notice telling me that ifl do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on whicb the notice is mailed to me or deliyered by other means. ~ 4. 3.
FLORIDA FIXED RATE NOTE-Single Axed RUt NcM-FL 2Q05N.FL (09IOS)(dII)
Family-Finnie IbelFNddIe 11K UNIFORMINS'I1tUMENT
Page t Df2
Form 32tO tlO1
610 21182BB32 N
~,: I
\ Even it; at a time wilen I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. . (I) hymnt orNate Holder's COItl ad Es:pealtl If the Note Holder his required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of ils costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. Unless applicable law requires a different method, any notice that must be given to me under this Note wiD be given by dcliveriDg it or by mailing It by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by deliverin8 it or by mailing it by rust class mail to the Note Holder at the address stated in Section 3(A) above or at a differenl address if I am given a notice of that difti:rent address.
7. GMNG OF NOnCES
(0) No Waiver By Note Holder
or PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully I!IId personally obligated to keep all of the promises made in thi~ Note, including the promiJe to pay the full amount owed. Arty person who is a guarantor, surety or endorser of this Note is III!:> obligated to do these thinp. Any person who takes over these obligations, including the obligations of a guarantor, surety or eI1dorsa of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all ofus together. This means that any one of us may be required to pay all of the amounts owed under this Note.
8. OBLIGA nONS
WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment I!IId Notice of Dishonor. "Presaitment" means the right to requile the Note Holder to demand payment of amounts due. 'Notice of Dishonor" means the right to requite the Note Holder to give notice to other persons that amounts due have not been paid.
16. . UNIFORM SECURED NOTE This Note is a uniform instnunent with limited variations in some jurisdictions. In addition to the proteetions given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder fiom possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument descn'bcs how and under what conditions I may be required to make immediate payment in full of all amounts lowe under this Note. Some of those conditions are descn"bedas follows: If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natwal person 1!IId. beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security InslrUD!ent.However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not Jess than 30 days from the date the notice is given in accordance with Section IS within which Borrower must pay all sums secured by this Security lns1rument. If Borrower tails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
11. DOCUMENTARVTAX The state documental)' lax due on this Note has been paid on the mortgage securing this indebtedness.
WITNESS TIlE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
D~4iRAHiA4~Ii!!!L.J. Q~~o~~IIJ4lI$~t/I~~~--::-_B~~
PAY TO THE ORDER OF ----------~~~~~R~ECOU~-RS--E-----------~BoorowM B.\NI( OF AMERICA, NA
__ ~BY::::::::~tI.~AA:;· :h~,~It~SJ~.i;,.;;.,J;='«== .... ==--__;:;:_ (Seal) =
SENlC)RVICE PRESIDeNT
MiCrii!LE s:aANbER
--------------------------------------"Bon~ow~r
FLORIDA FIXED RATE NOTE-SIngle FemtIy-F_I.llllelFreddle FIxIId Rile No1e-FL 2005N-FL (09108)
MK UNIFORM INSTRUMENT Page 2 012
F_321D
BAlIK OJ' AlllRlCA, •• A.
Office t: 000'18' 2595 11 C!WiDLER BI.YD C!WIDI.ER, AZ 85224 Phone: 1866 J 557 ·1908 Office Fax No.:
(866)579-3671
by: MlLANIE
POlIERS
BORROWER:DJ!BOW! CASE NO:
LOAN NO:
DR ATLANTIC BEACH, FL
211820832 621 AQUATIC
32233-3842
NAME AND SIGNATURE AFFIDA VIT
BEFORE ME, Ibe undersigned Notary Public, on this day personally appeared the pcJSOD who signed this Affidavit, and who, after being duly sworn by me, did on his or her oath state the following: My legal name is: DEBOW! A. QUINONEZ (Print or Type NIIllIC)
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(Print or Type Name) (Print or Type Name)
I am also known as:
or Type Name)
Subscribe and swomJQ.(or affirmed) before me on this::--_....,'
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1212.\~
evidence to be the person(s) who appeared before me. Seal
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.20 by to me on the basis of
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& Stgnaturv AftidavII 1304-US (11108).01 (CIII)
LEE ANN VASQUEZ
Notary Public, State 01 Florida My comm. expo April 21, 2012 Comm. No. DO 780643
Plll81 of 1
Ii I' I
'21'82083200000'304-'
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