FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`SUPREME
`COUNTY
`
`COURT
`OF KINGS
`
`OF THE STATE
`
`OF NEW YORK
`
`FARGO
`WELLS
`BANK,
`THE WAMU MORTGAGE
`SERIES
`CERT1FICATES,
`
`AS TRUSTEE
`N.A.,
`PASS-THROUGH
`2006-PR4
`
`TRUST.
`
`FOR
`
`CERTIFICATE
`
`OF M ERTT
`
`INDEX
`
`NO.
`
`OF
`
`OF
`
`PlaintitT,
`
`vs.
`
`MUHAMMAD
`MIR HOSSAIN
`A/K/A
`MUHAMMAD
`SAKINA
`HOSSAIN;
`OF THE SOCIAL
`COMMISSIONER
`OF NEW YORK SOCIAL
`THE CITY
`SERVICES
`CRTMINAL
`COURT
`OF THE
`DISTRICT;
`NEW YORK;
`NEW YORK CITY
`PARKING
`NEW YORK CITY
`VIOLATIONS
`BUREAU;
`ENVIRONMENTAL
`CONTROL
`BOARD;
`YORK CITY
`ADJUDICATION
`TRANSIT
`BUREAU;
`PRINCIPA).
`RESIDENTIAL
`ONE MORTGAGE
`MORTGAGE.
`OPTION
`CORPORATION,
`
`AKTER;
`SERVICES
`
`CITY
`
`NEW
`
`INC.;
`
`"JOHN
`
`last
`
`twelve
`
`plaintiff,
`tenants,
`
`baving
`premises,
`
`#1"
`
`DOE
`names
`persons
`
`the
`
`through
`
`"JOHN
`
`fictitious
`being
`or parties
`
`DOE #12,"
`and
`unknown
`intended
`
`the
`
`to
`the
`being
`if any,
`upon
`the
`
`or
`
`persons
`
`corporations,
`in or
`lien
`interest
`an
`in the cornplaint.
`
`occupants.
`or
`
`claiming
`described
`
`Defendant(s).
`
`1.
`
`I am an attorney
`
`duly
`
`licensed
`
`to practice
`
`in the
`
`state
`
`of New York
`
`and am affiliated
`
`with
`
`the
`
`law
`
`firm of Robertson,
`
`Anschutz,
`
`Schneid,
`
`Crane
`
`& Partners,
`
`PLLC,
`
`the
`
`attomeys
`
`for
`
`the
`
`above-named
`
`plaintiff.
`
`1
`
`David
`
`Hanson,
`
`a Foreclosure
`
`Specialist
`
`of plaintitTor
`
`plaintiff's
`
`servicer,
`
`confirmed
`
`that
`
`he personally
`
`factual
`
`accuracy.
`
`reviewed
`
`plaintiffs
`
`docurnents
`
`and
`
`records
`
`relating
`
`to this
`
`case
`
`for
`
`IllIllgllllllMllMilllli
`
`Elll|11AlgilllMilllAMINA
`
`111IIH111111Mill
`
`23-110725
`
`- NiA
`
`1 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`3.
`
`Based
`
`upon
`
`rny
`
`review
`
`of
`
`the communication
`
`with
`
`plaintiffs
`
`representative,
`
`as well
`
`as
`
`upon
`
`ray
`
`own
`
`inspection
`
`of
`
`the documents
`
`and
`
`other
`
`diligent
`
`inquiry,
`
`[ certify
`
`that
`
`to
`
`the best
`
`of my knowledge,
`
`information
`
`and
`
`belief,
`
`there
`
`exists
`
`a reasonable
`
`basis
`
`for
`
`the
`
`cornmencement
`
`of a mortgage
`
`foreclosure
`
`action
`
`and
`
`that
`
`plaintiff
`
`or
`
`its nominee
`
`is entitled
`
`to enfoire
`
`its
`
`rights
`
`under
`
`the
`
`loan
`
`documents
`
`in accordance
`
`with
`
`applicable
`
`law.
`
`4,
`
`All
`
`of
`
`the relevant
`
`documents,
`
`all
`
`of which
`
`have
`
`been
`
`reviewed
`
`by
`
`rne,
`
`are attached
`
`to
`
`this Certineate
`
`of Merit,
`
`Dated:
`
`20
`
`24,
`
`May
`Westbury
`
`ew Yor
`
`BY
`
`ARA
`Z.
`[
`[X] ANTHONY
`] ANNETTE
`[
`] SCOTT
`[
`
`ORISKIN,
`CELLUCCL
`SHACHTER,
`R. WEISS.
`ESQ.
`
`ESQ.
`
`ESQ.
`
`ESQ.
`
`23-110725
`
`- NIA
`
`2 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`Lost
`
`Note
`
`Affidavit
`
`STATE
`COUNTY
`
`OF UTAH
`OF SALT
`t4edina
`orena
`
`LAKE
`
`perjury:
`
`, being
`
`duly
`
`sworn,
`
`deposes
`
`and
`
`says
`
`under
`
`penalty
`
`of
`
`I am a Document
`1.
`regular
`In the
`course
`and
`documents
`that
`are
`the
`
`mleting
`subject
`of
`
`Control
`of
`
`Officer
`job
`and
`iny
`to the
`this
`Last
`
`PORTFOLIO
`
`of SELECT
`and
`duties
`responsibilities,
`of mortgage
`loans.
`Affidavit
`("Affidavit").
`
`servicing
`Note
`
`SERVICING,
`I review
`
`including
`
`the
`
`INC.
`
`("SPS").
`
`business
`type
`
`of
`
`records
`records
`
`SPS maintains
`a mortgage
`2. As
`servicer,
`in its electronic
`loans
`it services
`record-keeping
`by SPS in the
`of
`conducted
`its
`course
`maintained
`regularly
`made
`at or near
`the
`time
`of
`the
`information
`from
`by or
`event,
`regular
`practice
`to keep
`with
`personal
`knowledge.
`It
`is SPS's
`course
`of
`its
`conducted
`business
`activity.
`
`up-to-date
`
`business
`systems.
`
`recortis
`The
`business
`business
`transmitted
`such
`records
`
`the
`concerrüng
`are
`records
`and
`are
`activities
`by a person
`in the
`
`ordinary
`
`regularly
`
`3,
`
`I have
`
`the
`
`business
`to SPS's
`access
`business
`records,
`including
`I make
`this Affidavit.
`subject
`of
`is the
`loan
`that
`to the
`to the Borrower(s)'s
`records
`the
`business
`of
`relating
`knowledge
`of how
`kept
`and maintained.
`records
`the
`were
`orested
`by a prior
`in this matter
`records
`the
`loan
`servicer,
`the
`loan were
`and
`boarded
`on
`into
`SPS's
`recorde
`incorporated
`the
`such
`that
`the
`prior
`servicer's
`records
`systems,
`SPS conducts
`of
`verification
`records.
`control
`business
`SPS's
`quality
`process
`to ensuæ
`of
`the
`received
`from the
`prior
`servicer
`as part
`boarding
`of SPS to incorporate
`of
`the
`records.
`practice
`boarded
`It
`is the
`regular
`and SPS routinely
`records
`its business
`into
`the
`relies
`upon
`those
`on boarded
`records
`its
`loan
`These
`functions.
`servicing
`by SPS as part
`records
`are
`incorporated
`upon
`of
`its business
`
`records
`affidavit
`this
`loan
`and
`To
`the
`
`conceming
`and
`
`for and
`upon
`based
`own
`from
`my
`that
`the
`extent
`prior
`the
`electronic
`loan
`are
`the
`
`of
`for
`
`relating
`review
`my
`personal
`business
`servicer's
`
`recordkseping
`now
`part
`information
`the
`prior
`
`accuracy
`servicer's
`of
`accuracy
`prior
`servicer
`records,
`
`are
`
`records.
`in providing
`and
`relied
`
`AKTER
`
`MUHAMMAD
`4. On
`M1R HOSSAIN
`SAKINA
`5/3D/2008,
`"Borrower")
`of WASHINGTON
`MUTUAL
`note
`in favor
`a promissory
`in the
`principal
`FA,
`BANK,
`amount
`of $365.000.00
`which
`Note
`is secured
`by a Mortgage
`(the
`(the
`"Note"),
`at 307 EAST
`and
`real
`on the
`improvernents
`located
`STH
`property
`A true
`BROOKLYN.
`of
`11218.
`and
`the
`original
`NY,
`with
`endorsements
`and
`A.
`as Exhibit
`any
`
`"Mortgage")
`STREET.
`together
`
`correct
`is attached
`
`copy
`
`allonges,
`
`Note,
`
`(the
`
`executed
`
`5. SPS services
`AS TRUSTEE
`N.A.,
`SERIES
`2006-PR4
`Mortgage
`was
`
`service
`
`behalf
`on
`and Mortgage
`the Note
`FOR THE WAMU MORTGAGE
`(the
`"Owner).
`On
`06/01/2D21
`to SPS for
`released
`servicing.
`SPS to act
`on
`behalf
`the Owner
`
`of
`
`the
`
`its owner WELLS
`PASS-THROUGH
`Ioan
`governed
`A copy
`of
`the
`of
`the Note
`
`FARGO
`
`BANK,
`CERTIFICATES,
`and
`by the Note
`Limited
`Power
`is attached
`hereto
`
`of
`
`of
`
`records
`
`of SPS reflect
`
`that
`
`the Owner
`
`amuired
`
`the Note
`
`on or about
`
`Attomey
`as Exhibit
`
`authorizing
`B-
`
`6.
`
`business
`The
`06/14/2D06.
`
`7.
`
`Attached
`
`tracking
`subject
`
`as Exhibit
`of
`the
`original
`Note
`was
`
`"C"
`
`is a screen
`note
`since
`
`inadvertently
`
`print
`
`business
`
`of SPS's
`acquired
`servicing,
`or destroyed.
`
`records
`which
`
`concerning
`indicate
`
`the
`that
`
`the
`
`Cornpany
`lost, misplaced
`
`8.
`
`Document
`The
`Control
`Officer
`complete
`a diligent
`search
`of
`Note
`and Mortgage:
`
`of SPS has
`the
`business
`
`taken
`records
`
`the
`
`following
`maintained
`
`in order
`actions
`in connection
`
`to
`with
`
`the
`
`3 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`Page: 2 of 3
`
`SPS contacted
`A) On 09/21/2021,
`of
`the Note.
`Based
`location
`the Note.
`unable
`to locate
`
`the Custodian,
`information
`on the
`
`Chase
`
`provided
`
`regarding
`Monroe,
`by the Custodian,
`
`the
`SPS was
`
`9.
`
`SPS is not
`not
`aware
`for
`and
`
`ordinarily
`
`that would
`or entity
`person
`other
`of any
`aware
`as
`to where
`the Note may
`location
`of another
`location
`of
`with
`all
`the Note
`the
`inquired
`about
`would
`be responsible
`the
`location
`of
`the
`
`lawfully
`located.
`be
`individuals
`note.
`
`and
`the Note
`have
`SPS has
`searched
`er1tities
`that
`
`and
`
`is
`
`for
`
`SPS has
`10. Though
`with
`connection
`because
`obtained
`cannot
`whereabouts
`person
`or a person
`
`a diligent
`conducted
`and Mortgage,
`the Note
`was
`the Note
`misplaced,
`lost, misffled,
`be determined,
`or
`it
`is in the wrongful
`who
`cannot
`be found
`or
`is not
`amenable
`
`of
`search
`possession
`
`the
`
`records
`business
`of
`the Note
`cannot
`or destroyed
`possession
`to service
`
`be
`
`maintained
`
`in
`
`reasonably
`and
`its
`of an
`unknown
`of process.
`
`business
`
`11- The
`satisfied,
`lawful
`
`records
`
`not
`
`show
`
`of SPS do
`pledged,
`hypothecated,
`assigned,
`or otherwise
`disposed
`of by
`seizure,
`
`the Note
`that
`transferred
`the Owner
`
`ever
`was
`released,
`seized
`the Owner,
`by
`or SPS.
`
`pald
`off.
`through
`
`a
`
`12. The Owner
`
`is not
`
`in possession
`
`of
`
`the Note
`
`but
`
`is entitled
`
`to enforce
`
`it.
`
`information
`13. Upon
`possession
`occurred
`
`and
`
`belief,
`and was
`
`the Owner
`entitled
`
`the
`was
`to enforce
`
`of
`owner
`the Note
`
`the Note
`at
`that
`
`when
`time.
`
`loss
`
`of
`
`14. SPS is aware
`the
`that
`holder
`of
`the Note may
`been
`lost, mislaid,
`assigned,
`
`having
`off,
`satisfied,
`SPS.
`
`successors
`upon
`misfiled
`
`rely
`
`transferred,
`
`in interest,
`the
`statements
`or destroyed
`pledged,
`
`and/or
`assigns
`transferees
`in this Affidavit
`made
`never
`and
`been
`having
`hypothecated
`or otherwise
`
`as
`
`original
`the
`of
`to the Note
`paid
`of by
`
`released,
`disposed
`
`and
`
`the
`
`Barrower
`
`harmless
`reasonable
`and
`expenses
`or
`
`from and
`and
`
`against
`
`necessary
`frorn
`resultirg
`from SPS's
`breach
`resuEng
`in this Affidavit.
`
`any
`legal
`
`any
`or
`
`15. SPS hereby
`and
`a
`losses,
`fees
`and
`related
`
`agrees
`
`claim,
`
`any
`
`demand.
`covenant,
`
`to indemnify
`hold
`forfeitures,
`fines,
`damages,
`penalties,
`and
`other
`costs
`costs,
`judgments,
`based
`defense
`or assertion
`nspresentation
`or warranty
`
`upon,
`contained
`
`4 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`Page- 3 of 3
`
`IN WITNESS
`WHEREOF,
`this
`executed
`has
`undersigned
`FARGO
`of WELLS
`S 2021
`behalf
`. on
`RFP?
`THE WAMU
`PASS-THROUGH
`MORTGAGE
`CERTIFICATES,
`SELECT
`PORTFOLIO
`INC.
`as attomsy
`in fact.
`SERVICING,
`
`the
`
`instrurnent
`
`BANK,
`
`on
`AS TRUSTEE
`2006-PR4,
`
`NA,
`SERIES
`
`FOR
`with
`
`SELECT
`
`PORTFOy
`
`ERV!CING,
`
`INC.
`
`Name:
`
`Title:
`
`Document
`
`Controt
`
`OMcer
`
`State
`
`County
`
`of UTAH
`of SALT
`
`LAKE
`
`on
`
`SEP
`
`, before
`
`me,
`
`GE"
`
`1989
`BE AL
`
`jnj
`
`Public
`
`in and
`
`in the
`
`appeared
`NA,
`SERIES
`
`BANK,
`
`State
`
`personahy
`FARGO
`
`acted,
`
`of UTAH,
`WELLS
`Officer,
`THROUGH
`CERTIFICATES,
`INC.
`in fact,
`as attomey
`personaNy
`to be
`the
`whose
`evidence)
`person(s)
`to me that
`acknowledged
`he/she/they
`and
`that
`by his/her/their
`signature
`which
`the
`executed
`person(a)
`
`for SALT
`, a Notary
`LAKE
`Medina
`Control
`, Document
`Lorena
`FOR THE WAMU MORTGAGE
`AS TRUSTEE
`PASS-
`PORTFOLIO
`with SELECT
`SERVICING,
`2006-PR4,
`to me (or
`to me on the
`known
`proved
`basis
`of satisfactory
`is/are
`subscribed
`to the within
`instrument
`and
`name(s)
`in his/her/their
`executed
`the
`same
`authorized
`on the
`instrument
`the
`or
`the
`instrument.
`
`person(s).
`
`the
`
`entity
`
`upon
`
`capacity,
`behalf
`
`of
`
`WITNESS
`
`my
`
`and
`
`official
`
`seal
`
`--
`
`.
`
`-.
`
`---
`
`Notary
`
`icky
`
`PM)a
`FEB ? 7 2025
`
`res:
`
`/ #:
`
`negan
`
`..
`
`...
`
`.
`
`5 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`
` FILED: KINGS COUNTY CLERK 05 /25/2023 04:45 P
`NYSCI EF DOC. NO.
`3
`NYSCEF DOC. NO. 3
`
`IND
`EX NO.
`515562/2023
`INDEX NO. 515562/2023
`
`
` EIVE iD
` EF’:
`
`05/25/2023
`RECEIVED NYSCEF: 05/25/2023
`
` NYSCI
`
`A
`EXHIBIT A
`EXHIBIT
`
`6
`of 49
`6 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`-.
`
`sus
`. hi39
`
`(12-MTA
`
`ADJUSTABLE
`ladez
`-Payment
`
`RATE NOTE
`and Rate Caps)
`
`THIS NOTE CONTAING PROVIEIONS AuOWING FOR CHANGE& IN MY INTEREST RATE
`AND MY MONTHLY PAYMIPIT- MY MONTHLY PAYMENT INCREASES Wtu HAVE LIMITS
`WHICH COULD RESQLT FM-INE PRPICIPAL AMOUNT I ML3ST REPAY BEING LARGER
`THAN THE AMOi.MT I ORIGINALLY BORROWED, BUT NOT MORE THAN
`OF
`11ay
`). MY INTEREST RATE CAN NEVER
`de t 5ap grr
`TNG ORIGINAL AMOUNT (OR 5
`ENCEED THE IJMIT STATED IM THis NOTE OR ANY RIDER TO THIS NOTE, A BALLOON
`PAYMENT MAY BE DUE AT MATURITY-
`/
`
`. sil!w woRK
`
`um
`
`_MAY_$IL_2nng
`
`STATI!N I51.AND
`
`on
`
`ac T Fast
`
`aTM sinEET
`
`EliOOKLVN N
`
`plus
`plus
`
`1. BORRONER11 PROMlBE TO PAY
`/
`'las ,ane.a
`m return for a loan thri
`I gorldse to pay Lt.8- 5.
`I have received,
`any Amouruts added In accordiince udIn sectles 4 (G) below. (this amount
`is ceIed Panelpel").
`IN8test, 10 the order of the Leader. The I.coder is WABHINGTONmiTUAL 9ANB;, FA
`wII make at paymeMs under this. Noin in torm at ca
`eck or money nrdar.
`i undstreland Inst the
`Lemder may transfer Iht 4te. The Leader or anyone wholakes Ibis.Note by transfer and who is entitled
`to receive payments Lader this Note Is called the "Note Holder-
`2.
`INTEREST
`Inlerest widite charged on unpaid Pdne,lpel unlR Ike full amoung has been pald- LIp untH the IIIst day
`DIIhe calender enoughIhet Immedletely preadas the Destpayrneol due date seg thrth in Sectice 3 of INs
`5 -MA %. Thereafter mill
`I wm pay Idstes
`st s yearly rate of
`Note.
`the first Changa Date fes
`7 .000 % The INored ree
`defined in Sealion 4 qi 1hisNoie) I wid1pay intentsI al a yearly rme of
`required by this Sealian 2 end SecNon 4 of INs NGIs is the Rule I Will D9y bcIh tufcFB SGd GIter Rpy
`default descrilm1 IraGettice 7(B) of this Nole.
`3. PAYMENTS
`IA) TIrne and Place et Payments
`In this Nata, TaymenIs'
`I will pay Prindpal and inierest by inaldpg paymeNt every menlh.
`refer to
`Rincipal and Interesi payrnents only, almough ather changes such as taxes.
`insurance and/or Tate
`erges Inay also be payable with the frienthly payrnent
`18T
`I Wit make
`of
`payrnents
`on
`on
`rhenth
`each
`day
`roy
`InoNhly
`begbining
`fur.v , acoe
`I ang malie inese payments every rooem undi 1 have pdd all ef me
`princ¾)el and iNerest and any oIher &arges desc4ed
`below Ihal 1 mey one under this Nole. Each
`onanItsy paymeni we to applied to riterest before PdacLpel. If, on
`. I
`RBiE 01 . 2036
`I will pay those smong1IsIri.full on that dale, which is v.ialled the
`3111)awe emounis under inds Note,
`"Maturity Defe".
`AZ B5D62-U14B
`P.0.. BOM 7B14B Pit)ENIN,
`t will make rny monthly paymenis al
`.orm adtfferent piece It required b^ the Note NoMar.
`B) Amnunt of My Irutal Monthly Payments
`Esch eI iny roonfNy psy#ients un111the IIrst Payrnent Change De a will be in the ornoung of UA
`, unless adjusted al en margerErne under Section 499 of this rhle.
`1.17a es
`
`G
`
`.
`
`I
`
`7 of 49
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`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`I will
`
`brtther
`change
`on
`the
`rppy
`ni
`pay
`IST
`day
`. and M Ihel day Every nenih e.erealler.. Each studeday Is caned a
`
`inges
`(c) PBymand at
`My mordhPypey. nentwin be tacnmputed, socordmg to Seolions 4(li)F)(0)(N)
`and (O of els Nata, 10
`anges h 12. PftiDsf
`m8s
`balanS and Imerest rate thaI I musl psy. The Nele Holder wBdelannine
`amouM at my montNy paymerd In accordance wRh Sea5ert 4 of
`the darged
`my flew 4merest reir ski
`IfWeNola.
`4. MITEREst RAT : AND MONTHLY PAYMiiNT CHANGES
`St Change Deb 11
`The
`lateresi
`ain
`.11.4, Egge.
`'Change Oate
`IB} The Indea
`e, my hrleresl rate will be based on an Index. The "IndeN* Is the Twsiva-March
`On each Charlge
`s sel
`fosth below, at Ihe anrmal yields ch adiVEly Ireded Uf
`Average, delarmmed
`led filBlas Treasury
`Secudlies ed)asted to di consiani mulurtly of one year as pubilshad by me Federal I:lenerve Board In the
`1Ralsasa ongltled "Seleded knerest Rages 011st One *WIanst¾viale").
`Federal Fuseme Stag
`The
`hehra-Marim Aver
`e is determined by adtilag Ingether the Morghly Yields for
`the most
`recefitly
`avanable Iwehra moril a arugdMdirg by 12,
`The mongrecaM dex Agure syslleble as of 15 days before esch ttnerest fsle Change Date le Endled
`If
`the "Curreal
`Inde(.
`lodex is no Ipnger avellatge, the Nble Holder wAI choose a newindex whid1 In
`based uperi arnpar
`Inforrrhatim The Note Hokfer will gIve Ine nc&a oI llns
`oIce.
`Changes
`|CJ calculation
`Belbre asch Cha go Dale, me Note Holder will calculata my new [nierest
`tada by addlng
`750 AND 575 /1000
`pep$efrl$gE
`pDifNS
`2RE
`% 0Margin ") lo me Current
`fadex..The Note Nolder will them amrid the result of tfis eddhion
`10 fie namrasi one-4he sandth of ona percentage paint {D.0D1%)..Sub|ed In the limits.slated
`n Section
`4(D) below, this roundg amous win be Iny new interesl rain until tie next Change Dale.
`rt ine everil a
`netr index s seleded, marsuardIn paragraph 4(B). a new Margin WIIIbe determined. The new Margin wig
`be the dlAbrance be
`en Ihe average of the cid fedex tar the Enostreces mIee year pened whiÆ gods
`on the last dalm the ind was evallable phis the MargIri ori the last data the old ladex was evaliable so:1
`me evarage of the
`(nden for an most reces thms year parlod whleh ends on tliet dMe (or (f not
`evailable for suoh Inge year period. Iur such time es It is Evailable). This difference wiI be rounded lo
`the neja higher 14 at 1 .
`(D) interest Rate L
`My Jrnerest rate
`g never be greater
`than NIME AND U0f 100
`percentage pairils
`A. Go % CGap). except met fellowing any sale or grBnsfer of me property whleh
`seases rapsyment of I
`Nole alier the firsI interesl rage change Dale.
`the madmum ingereal rels win
`be the idghat of the Ca nr Spercentage points grealer Iban the ifiterest raie In effect at the Hme of su
`sale or Iransfer.
`4E) Payrrient Chan
`Dates
`EtIndiva every year commeri
`AM.Y DL . 2007
`g
`. BNd an the Bama
`dele each twalnh month thereafter {"Psyment Change Dale"h the Note Holder WHldaletn@eiht
`amount
`ef the monmly payment mat wedd be soMdent 10repay me prc|sQed pdncipal DBIBnceI Em expec[ce le
`awe as of the Payment Chasige Dalm W NH Onthe M6tufity Dale ALLDainterest rate In affed 45 days
`pdor lo the Payment Change Date in subgentially equal paymems. The feauN of mis omiculmnonIs the
`new armount of my monthly paymerit, solijput to Sedian 4 ) below, and I wlI make pagnants in the new
`amoum until the next Payesel Channa Data uMess sny payrnenis are onapped earBer urgikersecson
`499of
`this Nole.
`(P) MenAhly Faymeal Limitaliens
`Unisms Sedirm 40·n and 4(I) below apply, the arriouns cr my pew rriertifdy payrnes. begimiing with a
`P9yment Ghanga Dale, vDElbe Emhed to 7 U2% more or 4essman the arnaufit
`I have been payIng. This
`veyment cap appens enty to the principer payment antr does slot apiny in any amorowpayments Lendar
`re uluter ms Becmity Instrument.
`Plpag mE
`LNTS(iUSB6AR59D148)
`
`8 of 49
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`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`Dee to Negalfwa Amestizatbn
`
`of Acceksated
`
`(G) changes
`Arn.ortization
`rete and since ghe Inonthly
`since my paymani smours changes fess hequenny then me inlemel
`is subject to Ihe payrnest (cid:144)eitefians described in Sedian 4{F), my monthly payment codd be
`permant
`less w greeler Iban. Ihe amouN of Ihe Interest padlort of the monthly pmymerd thai would be sufficieng to
`I owe at the rnonthly payment EEalein ful en the maluNly dele In aulslestfety
`Moey lhe unpaid Pdedpal
`equal paynents. For each month that the inenthly payrnent to.less then the IMerest podsuh the Note
`the interest parllon and vdH ad the
`140tder will subgrad Ihe Inorthly payrnest Adm the anioung of
`difference to my unpaid Prsicipal, and interest will ecorue on the amount of tNs dillerance at the currang
`In gramler than the Inlarmst poÈon, LHeNote
`Enleensl.rule. For anch rrhenththat
`the montidy payment
`Hokfer wit apply me excess towents a principal reductioit of the Note.
`increasert month.Iy Payrnes
`(H) Limit on My unpakf Pripelpa1,
`to m%
`the principah
`of
`san never exceed a maxW1urn amount equal
`My unpaid lrtr4pal
`1IDE
`Iny unpaid Prkhopel wouki otherwise examed ghat
`torrowed
`amoum ariginal
`In me event
`I win begin paying a new rnanthly payment umit
`Ihe ne3a Payment
`channe Dale
`flini4tion.
`notwithstanding the ? 1/2% annual paymes Increase lirnitathee, The newsmenthly paymanE wlH De an
`in luH an the msbulty dele el my
`einotmi urhkh would be stafk±ent to repay my there unpaid Pdndpel
`interasi role In effecl the month prbr to ghepBymani due dele in seeslantimAyequal payments.
`(I) Required Fun Monghty Payrnem
`r gm year ghereafter. the merilNy paymern wAl be adjusted wnhout regard lo the pmyrnend
`FEFTM annivers-vy of the due date DI lhe flIst
`incnlMy p0yment, Bad on that same day
`On the
`every
`cap finitation in Eecliers 4(F).
`]J| Notice of Changes
`h Note %lder will deliver or mail In rpe a notim Dr any cVanges in the emoura of my monthly
`payment before the ef fective date of anF change. The nonce wlMInclude Information required by law 10
`be given rhe gruf also lhe litle end telephone nurnber of a pamon who wfll answer any question I may
`have regardog Ihe nollos.
`(IQ Fallure to Make Adjustments
`II for any reason Nole Holder fags 10mMin as adjuslment to the interest rele or paymeN smouill es
`I agreg thai Note Hokler may. upon
`desorlbed In lhis Note.
`regardless of any nolice equiremaM.
`lhen make Ihe edjustmera as if they had bann mada on lime- l Mao agree not
`discovery DI such failure,
`frorn blote Holder's fallore to
`lo hdd Note Holder responslMe Ibr any damages 16me Alch may fesult
`mely any excess monies vihir..h I inay nave
`make the adjuslinent and to 181the Note Holder. at lis opt
`puld la pathat Prepayment ef unpski Paricipd.
`5. BORROWEfUS RMiMT TO PREPAY
`I have the dght 10 make payrnents of PriaClpal GI any time balore they are due. A paymeni nI
`I wid tell ghe Note Heider In
`Prinripal only In known as a "Prepaymeril". When I make a Prepaymerit.
`If I have nor meda mGthe
`I arn doing mo.I may not designage a paymem es a Prepaymerrl
`writtpg lhel
`I inay make a lull prepaygient Dr pedial pntpavrnerils withcLa paying any prepayment energe. h
`moniMy paymems due under Ihe No1e.
`I owe under litls
`Note Holder wig apply 44f of ray frepaymeras 10 reduce the pmouM of pdmcipal that
`the Ngia Holder spsy apply my Prepaymeal kn the macrued and unpaid FMerest on the
`Note. However,
`to aduce Ihe principaF amouni of the Nola.
`II
`I
`Pfepayment amount, before applying my fwpayment
`there wiH be no changes in the $6 dates DI Iny monthly D9ymerds uMesa
`make a partial prepaymera,
`the Note Hokler agreen le writbag 16 lhose changes. My PBrtlal pmpdyment may huve lha effeCI of
`of my inaninly paymeals. but only aRay Ihe rissi Peymem change Dete ferowing
`reducing the amuel
`my penial Prepayrnest However, any redudian due to my perHel Prepaymem may De offset by an
`ingtrast fuse Increase.
`
`In My t-Inpeld Principal
`
`I
`
`I
`
`i
`
`twig
`
`FM|eHf 5
`
`I-HTIUUSCIMFlmoN1.0F
`
`9 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`GU2
`
`s.
`
`usan cunases
`H a law. which appiles 10this Isen modwNch sets maximum loan charges,
`is finsity Ininrpreted so
`thai the Irrisressor other inan charges colnded cr to be edlected In GeMection wnh INs loup exceed me
`permined bmits, th8rt
`(a) any suddoarh Charge shsA be reduced by the amenrit necessay E0reduce the
`shaga In the parrrsited bmit; and (a) any surns slfeedy coNacted from me which exceedad permined
`4mils wNIbe refunded 10me The we Holder may choose 10roaka this refund Dy reducirts the Prinn el
`I own under this Note or by maldng a disct payrnerit 10 ine. It a refund rathcas Princ al. the redualon
`will beireated as a padfal Prepayment-
`Miscells pecies Fees >I uridersterid that Ihe Nota Holder wlA alse charge a 1etum Ram chafga lo she
`event 0 payrnent thal. I mmits in connadian wnh repayrnevit of ghlm4se6 is not honored b^ lbs Gnandmd
`Isa is $ 13. po
`hisfitution an which II is dmwn, The Srrent
`- tendar
`reserve9 the right to atange the
`lee from lime to llate WMhoutnotice except as may DBequired by law-
`y. BOftROWER's FAlA1JRE O PAY As gtEQUIRED
`(A) iste Charges Ior Overdue Psymenis
`If
`lhp Note I
`lder has riot
`received the fug smount of any montMy payment by 1Me und of
`calendar days alter the dale II is due,. I wiU pay a Isle rhmiga lo the Nole Huhler. The
`r IFTE,gn
`amoung DI the charge will be
`2 .000 % of my overdue payment of Principal and Intarasi- | will pay
`1'fs late charge prompl[y but ondyonce of pach late pmyrnaril,
`(a) Defaun
`If I do not pay the MI smoung of each merilNy payrneni on the date II Is efue, I wilf be hi defaut
`CI Nelíce of Deranit
`If I em tri defaull,
`the Nota Holder inay gend me a wrlitan notice imRing me that If I do 9e1pey the
`the Nets Holder may require me to pay Immediately the full amount
`overdue amoulyt by a cedairi date,
`of Pfindpel which has nal been paid and aA lhe interest that I awa on that amount, That dMe must be at
`restL 10 days ans ghedaIn ori whicTIthe nolloa is delivered or mabad to ine (ar, 11the Fedeful Nellonal
`Mortgage Associmlion Dr the Federmi Horne Loan lhrigage Corporelian buys ell cr per1of Lander's righ1s
`under De Securily instrumera,
`in wNch case the notice will Spedfy a date, set less than 30 days from the
`date the nelles Ingiven the Barrowed.
`(D) No Waiver By Nets Holder
`Even if, at a Lime when I am in defauBI,1he Note Holest dams nel require me 10 pay immedistdy
`luld as describendabove. the,Note Motler WWst1Ahave lha rigN to do se H I am In derma at a faterlims.
`costs mad Expenses
`(E) Payment er Note Heiders
`If the Note Holder has futulred run to pay ImmerEmlely in full as described above,
`the Nola Nolder
`will have the righi to be pefd bach by ine for off of its Ssis and expenses in anfof01se lhts Nola, whether
`or nol a inwm2 is brought, to the exteni not pr0hibited by Applicable 1..aw,Those expenses kmiuda, for
`anamlam. resseriatue anomers½es.
`5, GIVING OF NOTICES
`inethod, maynotice that must be given 10 me under this
`Uriess Agilicalde 1,aw requims a diffenmt
`Nota wAt be given by deBvering 11or by mailing It by firm dass maiEto me at the Pmpedy Address above
`or at a different addren H I give the Note Holder a ncliemof my diffemni address.
`Any nclica that
`inual be given to the Nets Hotler under this Note will be Divan by Inerdingfi py rind
`class mail 10the Note Holder al the address stated In Sadlon 3(A) above or at a differani address FfI am
`gveri a notice of thal diffme rd addipes,
`8, OlillLGATBle
`OF PERSONS UNDEA THis NOTE
`FImore than prie person sigrimINs Nole, each parson is fuAy arid perscmeHyepilgated la keep aA of
`the promises made In Ihis Nefe, imandifEl the promise 10pay the Iull aruount owed. Any persen amo is a
`guararder, nurety. or ariderser at lie lein is s1so oNigeted to do mese things. Any person who hdcas
`over these obligallons indudfrig Ihe otegallons of a guaranlor. surely, or andorsar of this Note,
`is also
`obligated to keep EUof lha plemises mm$s in lhis Note. The Ngle Holder may anfan;e itr. rights un5er this
`Note agairun machperson indMdeally or against aAnius together, This mams thel Eny orie of us may be
`regidran to pay all e0he amounts owed under thhNote.
`
`in
`
`b
`
`Pagm·44f m
`
`LNT4iu$DITERSON14
`
`10 of 49
`
`!
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`i
`
`10. WANERS
`I artl any other person who has abilgatiom urries thh Naia waNe Iba rtghls of FeseNmeM and
`notIts si disconor, "PresenImanr mamm the IIQfli to f6Qu0re the Note Halder
`lo darnaM psyrnera of
`arnouns due, masco of 131stener' mapns ine right to requise the Note Hedder 19give ostlUs 10 ather
`persons 11halamutirds due hava nel been pakL
`11. UNIFDRM SECI.3REDalOTE
`Iri prkligion to the
`Thim Note is a ordrogvri loelrument with IImlies variations ri sorrie partsdlaians.
`pqteclione given to Ike Note Holder Unde.r91is Noie. a Mertgage, Deed of Trust or Becurity Dead (the
`daled the same date as this Nule, proleds Ike Nets Holder from possible losses
`''Security IndrumenrL
`which migli
`resuk If
`i do not keep the promIsas whIch I mate k1 mis Noie, That $tarily
`InstrernenI
`dasalbes how and under what contitlerm I may be raqualrodIG make (pMtedl
`in payrneN In fuE uI all
`amoems. Ftime under Ihis Note. Some of IhD64 0Mditio46 are described as focows:
`Transfer of the F reparty of a Benefkial
`in Barrawar.
`Interest
`If 511nr any pad 01the Properly or any interest
`In the Pmparty Is stdd or gransferred (or if a
`benefIalm1Intn(asi
`in Barrower m sold cr Iransferred and tinritrwar
`in pal a. ristoral paraor0 withoul
`Lender's prior wdtten corkmant,Lander mmyfequire irDroediate p6ymenI
`in ful of aU sums secured
`Dr Ink Security insimment However, this opton shan nol be eaercIsed by Lerkler If such meertise
`is pnphlbded by Applicable Law. Lander $150 shall
`int aMterciseth|s opHon lf: (a) the request
`to
`namumais made anar one year followírig recordslion 01Ihp Oned of Trthsi, (b) Berlower causes In
`be sulxnitted tel Lander informalian raquired by 1.mnderin evaluate the inlended trans4area as it a
`new kism were Delng made 10Ih.etransferee, SM (4 Lander reasonably delermBnes thal Le6ders
`macurlEywrmrÈL be impaired by ghe foan assanpNon and that Inn risk 01s breadt of spy coveoant
`or agreernard in this Securjly Instrumani or other obNgolicas re4eled to the Nots or ather
`loan
`documeni
`is acceptahts
`to Lander,
`(d) Assarning pady execdies Assurnplion Agreemeng
`atzieplable lo Lendar at us solu oboIce sad discrethrn. which Agreemed inay induda an Increase
`in Cap as set forth below and (a) paymam of Assumpt1art Iree It requested by Lender.
`TO the EMler11pennitted by ApplBcatMe Law, Lander may cheq|s a inasonable fee as a
`congition to Lenders 00FEsentlo the toan assumption ard Lander may incInese Ihe me mum (Sle
`IfrNI lo the Ngher of the Cap or S pmcentage gxidntsgranger than Ine interest rate In etiIect at Ifle
`thne of the Iransfer Lander mmy alap requIre the Irkpsierps 10sign An essumptlan agreement
`the
`is acceplable 10I.ander and thal otdigates the trarisIeren 19keep all Ibn promises and agreemerils
`rnede In the Note md in this Secur1ly Jositumerg. Bermwer will cenlinue In be abilgated uMer
`the
`Nole and this Secur1ly Instrurnent onless EAnder has antered I‘tic a written Assumptkm Agreemem
`h ifaf1Sierg0 Bnti IOffnelly i'e199505BD(cid:144)rewer.
`If Leader anartises this o#ien, Ler1der shell give Barrower nalice of acSieratiori. The notice
`#1an provkje a patied of nol less men 3D days frusa Ihe date the notice is given hi accordance With
`Bactlen 15 withln whlch Bormwer musl pay all sums secured by this. Securny Insimrneng.
`If
`tigerrower tah In pay these surns pnni
`to Ibn expirution of this period, Lan ar inny involio m
`remedles permdthedby this sewrfry InsinirnenI withouI furlher notice or demand on Borrower-
`(2. hnSCELLANECUS PJiOVISIONII
`In the event
`Ihe Ncle Holder el ariy time discovers that this Note or the security Iceirulaent or eny
`other docurneN refaEpdto ibig loan. celed enllectively the "Lean DoG4rrienIs," contains an prror which
`sas caused by a clerkel or ministerial
`inislake, calculation eow. compular error. pinling star or sirpiler
`error (collecLIvely P ers).
`I agree, upon notice frarn the hiote Harder. 10reprecege any Leari DocumeNs
`thal are necessary In r,orrad any such Erm‘s GM I also agree that
`I will ncl hG1dthe Nets Hddar
`respondbIeinr
`any damage lo me which may resub Item any such Ermis.
`If any of the Lasn Documents me lost, slogen, mullisieri or destmyed ans the NoneHoklerdelivem to
`me an Iridemniflention in rriy favor. signed try the Noia Holder. therI
`I wlII sign and dailver In lbs Note
`In 1prm and content which wII have gha affed of the original
`Mckler u Lean Dowrnent klantical
`far mil
`Pairposes,
`
`igag)
`
`Nen er a
`
`147spust LWA$10Ni.
`
`11 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`I
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`W4TNESB THEHAND (5) AM) BEAL () OF THE UNDER$iGNE.
`
`MUHAhtnA0M1R NOSSUN
`
`,
`
`E
`
`hNA
`
`TER
`
`h
`
`h
`
`I
`
`!
`
`womaF Ivemale
`
`12 of 49
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`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`NYC DEPARTMENT
`OF THE CITY
`OFFICE
`
`OF FINANCE
`REGISTER
`
`This page is pat of dw instrumcol. (cid:11)e Oly
`on the infommion
`provi&d
`Register wiltrely
`by you on this page for purpom
`ut adexing
`this instmnent.
`The infonnation
`on this page
`will control
`for
`indexingpurpsesin
`theevem
`-
`wiZ
`or um-,,.
`y c
`
`RECORDING
`2006060800609001
`ID:
`Type: MORTGAGE
`Page Count:
`29
`
`Document
`Document
`Document
`PRESENTER:
`CERTIFIED
`S UNDA
`ABERDEEN,
`732-290-9213
`
`ABSTRACT
`CIRCLE
`NJ
`
`07747
`
`CORP.-PICK
`
`UP
`
`RETURN
`TO:
`MUTUAL
`WASBNGTON
`BANK,
`WAY
`7255 BAYMEADOWS
`32256
`JACKSONVILLE,
`
`FL
`
`FA
`
`2006060800609001002E4D1C
`COVER
`PAGE
`AND ENDORSEMENT
`Documcm
`Date:05-30-2006
`
`Preparation
`
`PAGE
`1 OF 31
`Date:06-21-2006
`
`Borough
`BROOKLYN
`
`Block
`5338
`Type:
`
`Lot
`Entire
`41
`DWEIHNG
`
`Lot
`ONLY
`
`Property
`
`DATA
`
`PROPERTY
`Unit
`Address
`307 FATE
`- 2 FAMILY
`
`5TH STRPET
`
`CRFN_
`
`r
`
`Document
`
`ID
`
`MORTGAGER/BORROWER:
`MUHAMMAD
`MIR
`HOSSAIN
`307 EAST
`5TH STREET
`NY
`11218
`BROOKLYN,
`
`_
`
`CROSS
`or
`
`REFERENCE
`Year____
`
`DATA
`Reel
`
`__
`
`Page____
`
`ar
`
`File Number
`
`PARTIES
`MORTGAGEF1LENDER:
`WASHINGTON
`MUTUAL
`VACLEY
`2273 N. GREEN
`NV 89014
`HENDERSON,
`
`FA
`
`BANK.
`PARKWAY,
`
`SUm2
`
`14
`
`x
`
`Additional
`
`Parties
`
`Listed
`
`on Continuation
`
`Page
`
`Mortgage
`Mortgap,c
`Taxabic
`Exemption:
`TAXES:
`
`Amount:
`Mortgage
`
`Amount
`
`(Basic1:
`County
`Citv(Additional}:
`Spec(Additional):
`TASF:
`MTA
`NYCl'A:
`Mlfl
`Additional
`TQTAIz
`
`:
`
`$
`
`$
`$
`5
`$
`
`$
`5
`5
`
`FEES
`
`365,{lO0.00
`401,500.00
`
`2,007.50
`4,015.00
`0.00
`1,003.75
`I,174.50
`0.00
`0.00
`8,200.
`
`NYS Real Estate
`
`Transfer
`
`AND TAXES
`Fee:$
`Recording
`Fee:
`Affidavit
`$
`NYC Real Property
`
`Transfer
`
`Fee:
`
`0.00
`
`[82.00
`0.00
`Tax Filing
`$
`Tax:
`0.00
`$
`...
`.
`OR FILED
`RECORDED
`OFFICE
`IN TilE
`OF THE
`OF THE CITY
`REGISTER
`OF NEW YORK
`CITY
`RecentedFded
`1946-200609:44
`City Register Fde No.KREN):
`2006000382383
`
`City
`
`Reghter
`
`OQicialSignamre
`
`13 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. 515562/2023
`
`RECEIVED NYSCEF: 05/25/2023
`
`NYC DEPARTMENT
`OFFICE
`OF THE CITY
`
`OF FINANCE
`REGISTER
`
`2006060800609001002C4F9C
`COVER PAGE
`AND ENDQRSIMENT
`Document Date:05-30-2006
`
`(CONTINUATION)
`Preparation
`
`2 OF 31
`PAGE
`Date:06-21-2006
`
`Decament
`Document
`
`ECORDING
`2006068808689901
`3D:
`Type: MORTGAG6
`
`PARTIES
`MORTGAGER/8ORROWER:
`SAKINA
`AKTER
`30' EAST 5TH STREET
`1121S
`NY
`BROOKl.YN.
`
`14 of 49
`
`

`

`FILED: KINGS COUNTY CLERK 05/25/2023 04:45 PM
`NYSC