FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
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`RECEIVED NYSCEF: 01/23/2024
`
`
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`Exhibit C
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`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`NYC DEPARTMENT
`OFFICE
`OF THE CITY
`
`OF FINANCE
`REGISTER
`
`.
`
`.
`
`page is part of
`the instruinent.
`The City
`This
`. Register
`on the infonnation
`provided
`willrely
`by you on this page for purposes of
`indexing
`this instrument.
`The information
`on this page
`control
`for
`purposes in theevent
`will
`indexing
`of any conflict with the rest of the document
`
`2006120602208001001E0144
`AND ENDORSEMENT
`COVER
`PAGE
`Document
`Date:
`10-31-2006
`
`Preparation
`
`PAGE
`1 OF 19
`Date:
`12-06-2006
`
`RECORDING
`2006120602208001
`ID:
`Type: MORTGAGE
`Page Count:
`18
`
`Document
`Document
`Document
`PRESENTER:
`LENDERS
`FIRST
`AVE
`3850 ROYAL
`SIMI
`CA
`VALLEY,
`805-579-2200
`
`CHOICE
`
`93063
`
`0RETURN
`TO:
`FIRST
`LENDERS
`AVE
`3850 ROYAL
`CA 93063
`SIMI
`VALLEY,
`805-579-2200
`
`CHOICE
`
`Borough
`QUEENS
`
`Block
`10922
`Type:
`
`Lot
`Entire
`Lot
`50
`1- 2 FAM WITH
`
`Property
`
`DATA
`PROPERTY
`Address
`Unit
`21117 HOLLIS
`GAR /OR VACANT
`
`ATTCH
`
`AVE
`LAND
`
`CRFN
`
`or Document
`
`ID__________
`
`REFERENCE
`CROSS
`or ___
`Year_
`
`DATA
`Reel
`
`Page
`
`or
`
`File Number
`
`.
`
`MORTGAGER/BORROWER:
`JANETTE
`B. CARTER
`AVENUE
`21117
`HOLLIS
`NY 11429
`QUEENS,
`
`Mortgage
`Mortgage
`Amount:
`Taxable
`Mortgage
`Exemptio5__
`(Basic):
`TAXES
`County
`CitylAdditionaD
`
`Amount:
`
`TASF:
`MTA:
`NXCTA
`MRT:
`Additional
`TOTAL:
`
`Recording_Fee:
`Fee
`Affidavit
`
`$
`1
`
`$
`$
`
`$
`
`L
`$
`$
`$
`
`PARTIES
`MORTGAGEE/LENDER:
`MORTGAGE
`ELECTRONIC
`INC.
`SYSTEMS,
`P.O. BOX BOX 2026
`MI
`48501
`FLINT,
`
`REGISTRATION
`
`FEES AND TAXES
`Pee:
`Filing
`
`455,000.00
`455,000.00
`____
`2,27540
`4,550.0(
`040
`r37,50
`1,335.00
`0.00
`0.00
`9,297.50
`127.00
`
`NYC Real Property
`_____
`NYS Real Estate Transfer
`
`Transfer
`
`$
`Tax:
`
`0.00
`
`___
`
`0.00
`
`__$
`Tax:
`040
`$
`OR FILED
`RECORDED
`IN THE
`OFFICE
`OF THE
`OF THE CITY
`REGISTER
`OF NEW YORK
`CITY
`Recorded/Filed
`12-21-200609:45
`City RegisterMleNo.(CRFN):
`2006000697780
`
`CityRegisterWficialSignature
`
`

`

`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`INC.
`COUNTRYWIDEHOMELQANS,
`MS sv 49 DOCUMENTPROCESSING
`p , 0. nox 10423
`Van Nuys, CA 91410- 0423
`PreparedBy:
`SEAN WOOLARD
`
`-
`
`RETURN TO RECORDSNG OFPR
`First Choice
`. lenders
`3850 RoyotAvenue
`CA93063
`Simi Valleg
`
`.
`
`-|Sp AboveTbhLineForRecordingDatal.
`CARTER
`#1
`throwcioning
`
`--
`
`MORTGAGE
`
`MIN
`
`WORDS USEDOFrEN ENTHIS DOCUMENT
`(A) "Security Instruntent " This docttment.which is dated OCTOBER31, 2006
`Ridersto this document,will becalledthe"Securityinstrument.*
`(B) "Dorrower "
`JANETTR B CARTER, AN UNMARRIEDWOMAN
`
`, togetherwith all
`
`whoseaddsossis
`21117 HOLLIS AVR, QURENSVILLAGE, NY 11429-1407
`someti1neswillbe called "Elorrover" andsometimessirnply*F Or"me
`(C) "MERS"
`is MortgageElectronicRegistrátionSysterns,inc. MERSis a separatecorporationthat is acting
`sately asa nominee(br Londer and Lender'ssuccessorsand assignsMERS is organizedand cýt og under
`the invs of Delaware.ondhus anaddressand tetophonet)umberof P.O.Bo:c2026, Rint, Mt 48501-2026..tel.
`(888) 679-Ml'RS. FOR PURPOSES OF RECORDING TIIIS MORTCACE, MERS IS TifE
`MORTGAGEE OF RECORD.
`(D)"E4nder
`ALERICA' S WHOLESALELRNDER
`will becalled "Lender ' Lenderis a
`CORPORATION
`, Lersfersaddressis
`underthelawsof NEW YonK
`4500 Park Granada M$Nit SVB-314, Calabasaa , CA 91302 16 L3
`(£) "Nota" Thenotesignedby Borroweranddated OCTOBER3 1, 2006
`, will becalledthe"Note
`TheNoteshmvsthat I owe Lender
`Foun ItUNDREDFIFTY FIVE THOUSANDand 00/100
`) plus interestnod otheramountsthat may be payable I have
`Dohars(U.S.5 455, 000. 00
`-
`__
`promisedto paythis debtin PeriodicPaymentsandto paythedebtin firli by nEcBNBER O1, 2D46
`- Unit:
`Section·_______
`Block:
`tot
`NEWYORK*$ihgWFosMy¬FenateMnotFrOdommpoUNtFORMINSTROMENTWrfHMERS
`Page1of13
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`Whichexists
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`4A(NY)to5ca) CHL(ce2OSMd)
`CONVNA
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`Futm3033157
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`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`..
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`C00 ID # :
`(F) "Property." The propertythat is describedbelow in the Sect.iontitled "Desedplionof the Property,"wdl
`beenlledtheTroperty
`T15 PREMISES ARS IMPROVE0 OR ARE TO BE IMPROVEDBY 7t ONB OR TWO
`PAMILY RESIDENCE OH DN¯%LING ONLY.
`(G) %nan." The"Luan" meansthe debtevidencedby the Note, plus interes; any prepaymemchargesand
`latechargesdoeundergheNote, andall sumsdueunderthis SecurityInstrument.plusimerest
`H) "Sums Secure4" The amountsdescDbedbelow in the sectiontitled "Borrowers Transferto Lenderof
`Itights in.theProperty"sometimeswill becalledthe'Sums Secured."
`(1) "Riders? All Ridersattachedto this Security 1strument that are signed by Borrower will be called
`"Riders" Thefonowing Ridemareto besignedby Bormwe-r(checkbox asapplicaNe[.
`$econdHomeRider
`ConddminiumRider
`Adjv.stableRateRider
`PlannedUnit DevelopmemRider
`I-4 Farnilv Rider
`BalinonRider
`Biweekly PaymentRider
`Other(s){ pectful
`VA Itider
`
`(J) "ApplicaNe Law " AI) contro|hngapplicablefederal.stateand local atarules.reguhHionLordmanctsond
`administrativerulesand orders(thm havethe effectof law) as welf as all applicable fmni non-appealable
`judicial opinionswill becalled "Applicable Law."
`(K) "Community AssoelationDues. Fees,and Assessments."An dues,fees,assessmemsand othercharges
`that are imposedon Borrower or the Propertyby a condominium association Imrneownersmsociation or
`similar organgmionwill becaHed"CornmunityAssociationDues,Fees,andAssessments
`(L) "Electronic Fumts Transfer." "ElectronicFundsTransfer" meansany transferof money.other that by
`check. draft or similar paper instrument.which is initiated through an electronic terminal, telephome
`instrument,computer.or magnetictapeso asto order. mstruct,or authorizea UnancialinstEnuionto debit or
`credit anaccourt Sarnecommonexamplesof anElectronicFundsTransferarepoint-of-saletransfers(where
`a card suchasanassetor debit card is usedat a merchant).automatedteller machine(or ATM) transactions.
`imnsfersinitimedby telephone,wire transfert andoummatedclearinghousetransfers
`(M) "Escrew Items." Thoseiternsthataredescribedin Section3 wí|) becaHed"Esetow Ilems
`(N) "Miscellaneous Proceeds..""Miscellaneous.Proceeds"meansany compensation.settlement.award of
`darnage. or proceedspaidby artythird party(otherthaninsitranceProceetts,asdelined in.und paid underthe
`the Property;(ii) Condemnationor other
`coveragedescribedin Section5) for: (i) darnageto, or destructionof
`Ike Pmpeny; (iii) conveyancein lieu of Condemnmionor sale to avoid
`taking of ull or any put of
`Condemnation;or (iv) misrepresentationsof, or omissionsasto. me valueand/orconditionof the Propeny A
`rakingofthe Properryby any governmentalauthorityby eminentdomamis knownas"Condemnation"
`"Mortgage Insurance.." "Mortgage insurance" means inmrance protecting Lender against the
`(0)
`nonpaymentof. or defaulton, the Loim
`(P) "Periodic Payment." The regidarlyscheduledamoumdue for 0) prmcipal andimerestunderthe Note.
`and(ii) artyammmisunderSection3 wiHbecaHed"Periodic Payment
`(Q) "RESPA " "ItESPA" rneansthe RealEstateSettlementProceduresAct (12 U S,C.Section2601et seq.)
`and its implementingregulatiomRegulationX (24C.F.R. Patt3500).asthey might beamendedfrom ume to
`time, or any ädditionalor successortegisFathonor regulmionthat governsthesamesub.icetmatter.As usedin
`this Security Instrument,"RESPA" refersto all requirememsand restrictionsthat are imposedin regardto a
`"federally relatedntortgageloan" even if the Loandoes norqualify as a "federally related mortgagetoan"
`underRI5$PA
`BORROWERS TRANSFER TO JENDER OF RWNTS IN YME PROPERTY
`I mortgage.graIt and convey the Propertyto MERS (solely as nominee for Lender and Lenders
`successomin interest)and its saccessorsin interestsubject to the terms of this Security instrument.mus
`meansths. by signing.thisSecurhy Instrument,( umgiving Leaderthoserightsthat arestatedin this Security
`Instrumemandalsothoserights that ApplicableLaw gives to lenderswho hold mortgageson rentproperty.I
`am giving Lendertheserightsto protectLeaderfroin possiblelossesthat rnightresultif t fail to.
`(A) Payall the amoumsthat ( owe Londeras statc4in the Note including. but not limited go,all renewals.
`extensionsandmodilicationsof theNote;
`(B) Pay,with interest anyamountsthat Lenderspendsunderthis Security Instrumentto protect the value of
`the PropenyandLender'srights in theProperty;and
`(C) Keepall ofmy otherpromisesandagreememsunderthis Security Instrumentandthe Nme
`I understandand agreethat MERS holdsonly fegal title to the nghtsgrantedby me m this Securhy
`instrument. bm. If necessaryto comply with law or ettstom. MEKS (as nomineeI'or Lender and Leader's
`successorsandassig0s)hasthe right:
`(A) to exerciseany or aHof those rights. including, but not lirnited to. gheright to forecloSUand 5011the
`Property;und
`(B) to take any actionrequimd of Lendermeluding.but not limited to. releasingandcanechngthis Seconty
`Instnauem.
`
`SA(NY)toses) CHt.(0ams)
`
`No 2d $3
`
`Forrn30331st
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`

`

`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`DOC ID H2
`DESCRWr(ON OF TWs PROPERTY
`I give MimS rightsin the Propertydescribedin (A) thmuch(G) behm
`(A) ThePropènywhichis loemedat
`21117 HOLLES AVE
`QUSENSVGLAOB
`31429 - 1407 tzipCaly This Propertyis in QtmRNs
`it hastheIbilowing legaldescription:
`SEE EXHIDIT *A" ATTACHEDHERETOAND MADE A l?ART HEREOF.
`
`(Chy.rowneswitaph New York
`
`(Mre
`(cid:12)ounty.
`
`m) An buildmasandwher improvementsthatarelocatedon the Propertydescribedin subsection(A) of this
`secdon;
`(C) All rightsin otherpropertythat I haveasownerof the Propertydescribedm subsecuon(A) of thissvetion.
`Theserightsareknown on"casementsandappttrtenancesattachedto theProperty:"
`(D) All rights ghatI havein the land which lies n the streetsor roadsin front of. or next to, the Property
`dosenbedin subsection(A) of this section;
`Ihtures that are now or in the future will beon the Pmpertydescribedin sutsections(A) and(B) of
`(B) All
`thissection;
`(F) All of the rights sod propertydescribedin subsections(th through(E) of this sectionthat f acquirein the
`thtme,and
`(G) All replacementsof or additions to the Propertydescribedin subsections(B) through (F) of this section
`aridall insuranceProceedsfor lossor damageto, and-all MiscellaneousProceedsof the Propsty describedin
`subsections(A) through(F) of this section.
`BORROWER'S RIGHT TO MORTGAGE TIIE PROPERTY AND BORROWER'S OULICATION
`To DEFEND OWNERSIHP OF THE PROPERTY
`I promisethat' (A) I fawfully own the Property:(B) I havethe right to mortgage.gramandconveythe
`Propertyto Londeqand(C) thereMe no outstandingchtimsor chargesagainstthe Property.exceptfor those
`which areor public record.
`1 give a generalwarrantyof title to Lender.This meansthát I wih be fully responsiblefor any losses
`which Leadersuffers becausesomeoneother than rnyself has someof the rights in the Pmpertywhich I
`promisethat I have. I promisethat I will delbrtdmy ownershipof the Propertyagainstany claims of such
`rights.
`.
`.
`PLAIN LANGUAGE SECURITY TNSTRUMENT
`This Security Instrumentcontains promisesand agreememsthat are used in real propertysecurity
`instrumentsallover thecountry, It alsocomminsotherpromisesandagreementsthat vary n di1Terentpartsof
`ghecoumry.My promisesandagreementsarestatedin "plain language."
`COVENANTS
`I promiseandt agreewith Loriderasfollows:
`L Barrower's Fromiseto Pay. I will pay to Lenderon time principal and interestdueunderthe Note
`and any prepayment.late chargesarid oEheramountsdue underthe Note I wil also pay all amountsfur
`EsemwhemsunderSection3 of this Securityinstrumem.
`Paymentsdue underthe Note and this Securityinstmmentshallbe madein U.S.currency.If anyof my
`psymemsby cheek or other paymem instrument is returned to Lunder impa¼d.Lender may requiro nty
`paymentbemadeby: (a) onsh.(b) moneyorder;(c) certified check,bankcheck,treasurersclieckor cashier's
`check.dmwn upon an instiltnion whosedeposiusareinsuredby ri (bderalagency.instrumentality,or entity: or
`(d) MectronicFundsTransfer.
`Paymentsare deemedreceivedby Lender when receivedat the tocation required in the Note, or at
`anotherlocation designmedby Leader underSecoon 15 of this Securityinstrurnent. Lendermay return or
`acceptany paymentor patial paymentif it is for an amountthm is lessthan the amoum thm is thendte if
`Lenderacceptsa lesserpaymem,Londermay refuseto acecpta lessorpaymentthat I may niakein the future
`anddoesnot waive any of its fights Leaderis not obhgutedto upply suchlesserpaymentswhen it accepts
`such payments.If intereston príncipal acemesas if all PeriodicPaymentshad Imen paid whendue..then
`Lender need not pay intmenton umipplied funds. t_endermay hohl such unupplied funds until I inake
`paymentsin bring the Loancurrent. If I do not do so witfun a reasonableperiod of time. Lenderwilt cuber
`
`SA(NY|(0508) CHL(00/05)
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`PaWp3of13
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`Form30331101
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`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`DOC 10 M:
`applysuchfundsor returnEhemto me. In theeventof Mreclosure,any imappliedfundswin be app1te to 1w
`outstandingprincipal baanceimmediatelyprior to foreclosure.No offsetor c\aim which 1might haverNw or
`relieve me from ma)ng paymcalsdue ynder tim Note and ths Security
`in the future againstL.xnderwill
`Intrument or keepingall of my other promisesandagreememssewredby this Secuntyinstrument.
`A Application of Borrower's Paymems and Insarance Proceeds.Unless Applicable Law or this
`Section2 requiresottmrwise.Londer will apply eachof my paymenixthat Lxnder acceptsin the foHowing
`order:
`First.to payinterestdueoriderthe Note;
`Next.to payprincipaldueunderthe Note. aml
`Next,to paythe.amountsdueLenderunderSection.1of thisSecurityInstrument.
`Suchpaymentswill beappliedto eachPeriodicPaymentin theorderin which it becamedue
`Any rematrtingamountswill te :vppliedas MHows:
`First to payany latechargm
`Next.to payanyotheramountsdue underthisSecurityinstrument:and
`Next,to reducetheprincipaFbalanceof theNote
`If Leaderreceivesa paymentfrom me for a latePeriodicPu.ymemwhich incluxlesa suflicism amoumto
`payany late chargedue.thepaymentmay beappliedto the latePeriodicPaymemandthelate charge if more
`thanone PerwdicPaymentis due, Leadermay applyany paymemreceivedfrom me: First, to therepayment
`of the PeriodicPayrnentsthatare due if. andto theextentthâLcachpaymentcan bepaid in full. Nest to the
`extent that any excessexists after the paymentis applied to the full paymentof one or more Periodic
`Payments.suchexcessmaybe applied to any latechargesdue
`to any prepaymentcharges:and Next as
`Voluntary prepaymentswill be applied as fonows; First
`describedin theNote
`Any applicationof payments.InsuranceProcceds.of MisceHoneousProceedsto principal dueunderthe
`Note will not extend or postponethe due date of the Periodic Paymentsor changethe amount of those
`paymems.
`3..Monthly PaymentsFor Taxes And Instsrance,
`(a) Sorrower's Obliggations.
`I will pay to Lenderall amoumsnecessaryto pay for mxes,assessments.watercharges,sewerrentsand
`sher similar charges.groundteaseholdpaymentsor rents(if any), hazardor property insurancecovermg the
`Pròperty.Hoodinsuance (if any), and any requiredMangage Ensurance.or a Loss Reserveasdescr¦ed in
`include on amountto beapplied
`Secuon10in the placeof Mortgage Insurance I5nchPeriodicPaymentwill
`towardpaymentof thefollowing itemswhich arecalled"EscrowItemsP
`(1) The taxes,assessments.water charges.sewerremsandodter similarcharges,on the Propertywhich
`onderApplicabtuLaw may be superiorto thisSecurityInstrumentasa Lien on the Property Any claim.
`demandor chargethatis madeagainstpropertybecausenoobBgationhasnot beenfulfHied is known as
`a "Lienr
`( Theleascholdpaymentsor groundrentsonthe Propeny(if any):
`insumncerequired by Lender under Section 5 of
`( 3) The premium for any and all
`Instrument;
`(4) Thepremiurnfor Mortgageinsurance(ifany):
`(5) The amountI rnaybe requiredto pay LenderunderSection 10of this Security Insument inmeadof
`.
`.
`the paymentof thepremiumthr MortgageInsurance(if any);arat
`(6) if requiredby Lender.theamouDtbr anyCommunityAssociationDoes,fees. andAssessmenti
`After signing.the Note. or at any time during its term, Lender may meludetheseamountsas Escmw
`Items.The monthly payment1 will makefor EscrowIternswill bebasedon Lendersestimateof the annual
`amountrequired.
`1will payall of theseamountsto LanderunlessLendertells me,in writing. that I do nmhaveto do so,or
`unlessApplicable Law requiresotherwise I will makethesepaymemson the sameday that my Periodit
`Paymentsor principalandinterestaredue undertheNote
`The amountsthal I pay10Lender for Pserowiternsunderthis Section3 will becaHed"Escrow Funds."(
`win pay Lenderthe EscrowFundsfor 153crowItemsunlessLenderwaivesmy obligation to pay the Pserow
`Fundsfor any or all EserowItems. Londermay waivemy obligationto payto L.enderEscrowFundsfor any or
`all Escrow Itemsat any Hme Any such waiver musl be in Writing. in the CVemof Suchweiver. I wdl pay
`directly. whenandwherepayable,the amountsduefor any Ewrow hemsfor which paymemof EscrewFunds
`has been waived by Lender and, if Leader requïres.wiH promptly sendto Leader receiptsshowing such
`paymemwnhin suchitmeperiodas Lendermay require.My obligationto makesuchpaymentsandto provide
`receiptswill beconsideredto bea promiseandagreementcontainedin this SecurityInstrument,asthe phmse
`"promisesand agreements"is used in Section9 of this Security instrument.If | am Obligatedto pay Escrow
`Itemsdirectly. pursuamto a waiver. and I fail to paythe amountduefor anEsc.cowhem, Leadermaypay thm
`thts beobligated under Section9 of this Securhyinstmmemto repayto Leader.Lender
`amountand I will
`mayrevoke1hewaiverasto any or sil EscrowItemsat any IInmby a noticegiwn in accordancewith SectEon
`15 of this Mecurity Inmrumemand. upon the revoemion.I will pay to Lender all Escrow Funds.and in
`amounts,thatarethenreqmredunderthis Section3
`
`this Security
`
`-BA(NY)ø508p CHL(o8t06)
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`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`DOC ID # 1
`pal
`pmmise to prompdy send to Lenderany nmicesthat I receive of Escrew Item amoumsto
`Lenderwill eatimatefmm time to time the amoumof Ewrow UundsI wm have to pay by twng existing
`assessmentsandhills on0reasonableestimatesof themnount I wilt haveto pay for EscrowItemsin thefumre.
`unlessApplicableLaw requiresLenderto useanmhermethodfor determirdngthe amoumI am40pay.
`Lendermay, st any tirne, collect and hold UsomwFundsin an amoumsutTicientto permt I enderto
`applytheEscrowFundsat the 6me specilledunderRESPA.AplMicableLawputslirnits onthe totMamountof
`EscrowFundsLendercanat any time collectandhold, Thi&total mnountconnetbe morethan the maxirnum
`mnotmta lendercould requireunderRESPA.if thereis anotherApplicabic Law that imposesa lowerfimit on
`thetotalamountof EscrewFundsLendctcancollectandhold, Leaderwill belimited to theloweramount.
`(b) Leriders Obligations
`Londerwitt keeptheEhgow Fundsin a savingsnr bankinginsTirutionwhích hasits depositsinsuredby a
`If Lenderis sucha savingsor
`federalagency.insinmtentality, or entity, or in any FederalIIome Loan Bant
`bankinginstnution.L.endermay hold the EscrowFunds.Lenderwill usetheEscmw Pundsto pay theEnemw
`itats no lmerthanthe time allowed underRESPAor otherApphcableLaw. Lenderwill give to me,without
`charge.anannualaccountingof the EsomwFunds.That accountingwill showan additionsto snd deductions
`fromtheEscrowFund[ andthe reasonfor eachdeduction.
`Leadermay not chargeme for holdingor keepingthe Escrewrunds.for using the EserowFundsto pay
`liscrow Items,for making a yearly analysiaof my paymentof EscrowFundsor for receiving.or for wrifying
`and imaling assessmentsand bills. However Lenderinay chargeme for theseservicesif Leaderpays me
`imereston the EscrowFundsand if ApplicableLaw pemutsLenderto niakesucha charge,LeaderwH1not be
`requiredto pay me any interest or e4imingson the Escrow Fundsunlesseither (1) Lenderand 1agree in
`wthing that Lender will pay imereston the Escrew Funds,or (2) Applicable Law requiresLeriderto pay
`intereston the EscrowFunds,
`(c) Adjustments to the Escrew Fmtds.
`(JnderApplicable Law, thereis.a limit on theamountof EserowFundsLondermay hold. If theamount
`of FacrowFundsheld by Lendercaccedsthis I.imit thentherewdl be anexcessamountand RESPArequires
`Lenderto uccoumto me in a specialmannerfor theexcessamount.ofEscrowFunds.
`K at any time, Lender has not TeceivedenoughEscrowFundsto makethe payrnentsof Escrow Items
`whenthepaymentsareduesLendermaytell mein writing thatanadditionalamountis necessary.( will pay to
`Lenderwhateveradditional amountis necessaryto pay the Escrowhemswhen the paymentsaredue.but the
`numberof paymentswilt not bemorethan12
`WhenI havepaid all of theSumsSecured.Lenderwill promptly refundto meany EscrowFundsthal ara
`Ebenbeingheld by Leader.
`4, Borrower½ Obligation to Pay Charges,AssessmentsAnd Claim0 I wiH pay all taxes.assessrnem
`watercharges..sewerrentsand othersimilar charges.andany othercharga and fines thatmay be Emposedon
`the Propertyand that may be superiorto this SecurityInsimment.Jwill alsomakeground remsor payments
`dueundermy leaseif I arna tenamon thePropertyandCominunity AssociationDues.Fees,andAssessmems
`theseitemsare Escrow (tems,I wilt do this by making the payrnentsas
`(if any) due on the Property If
`describedin Section3 of this Security Instrumem-In this SecurityInstrument.the word "Persondmeansany
`indïvidual organization.governmentalauthorityor otherpany
`I will promptly pay or satisfy aH Liens against the Property that may be superior to this Security
`instrurhentltowever, this Scoudly Instrumentdoesnot requireme to satisfya superiorLico if (a) 1egree.in
`writing, to pay the obligation which gaverise to the superiorLien and-Lenderapprovesthe way in which (
`agreeto pay thmobligation, but ordy so long asI arnperformingsuchagreement:(t0 in good faith, I argueor
`defendagainstthe superiorLien in a lawsuitm that in Londch opinion,durirmthe Inwsult,the superiorLien
`may not be enforced,but only until the lawsuit onds:or (c) I securefrom the holder of that other Lien an
`agreementapprovedin writing by Lender,thattheLien of thisSecurityInstrurnemis superiorto theLien held
`by that PersonIf Lenderdeterminesthat any partof the Propertyis subjectto a superior Lien, Lendermay
`give Borrowera nouceidentifying the superiorLien Within 10daysof thedateon which the nonceis given.
`Borrowershallpay or satisfy thesuperiorLien or takeoneor moreof theactionsmentionedin this SectionA
`Lendoralsomay requirerneto pay a one-timechargefor an independentrea)estatetax reponingservice
`usedby Lenderin connectionwith the Loan.unlessApplicable Law doesnot permit Lenderto makesucha
`charge
`. Borrower's Obligation to MMutain Haard Insuranceor Property Insurance. I will obtain hazard
`or propenyinsuranceto cover all buildings andother improvementsthat now me. or in the future will be..
`tocatedon the Property The insurancewal coverlossor demogecausedby fire, hazardsnormally coveredby
`"ExtendedCoverage hamrd insurancepolicies.and any other hnards for which Lender requirescoverage.
`including..but not limited to earthquakesand floods.The insurancewal be in the amounts(including. but not
`limited to, deductiblelevels) and for theperiodsof 6me requiredby Lender.What Londerrequiresunderthe
`lastsentencecanchangeduring the termof the Loun.I maychoosethe insurancecompany,but my choice is
`subjectto Lender's right to disapprove.Leader may not disapprovemy choice unlessthe disapproval is
`reasonalde.Lander may require me to pay either (s) a one-time charge for flood 2one determination.
`certificauon and tracking services,or (b) a motime charge for had mne determinationand certification
`servicesandsubsequentchargescachtime remappingsor similar changesoccurwhich reasonablyrnightaffect
`the floodzonedeterminationor cenilicationJTI disagreewith the flood zonedetermination,I mayrequestthe
`FederalEmergencyManagementAgency to review the flood zonedeterrhinationand 1 promiseto pay uny
`feeschargedby the FederalEmergencyManagementAgencyfor its review
`thii to rnaimain any of gheinsurancecovnages describedabove. Londer may obtain insurmee
`If I
`coverage,at Lender½option andmy expense.Lenderis undernoobligationto purchaseany particularnpe m
`
`4AfNY}Æ30m CHL(08105)
`
`hea SGf13
`
`Form2032SIM
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`

`

`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`DOC 10 4 s
`
`Hi
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`amoumof covemge Therefore.such coveragewitt cover Lender,bm might or I mcatnot protect nm. my
`eqwly in the Property.or the comemsof the Property,againstanyust hazardor habimy andmmhr provide
`greateror lener covemgethan wasprevlmnly in effect 1acknowledgethat Omcostof theitssmancecoverage
`so obpim×t might significantly ascal
`tim cost of insunmeethat f could have obudned Any amoums
`disbwsedby Leadereder this Section5 wilt becomemy addit+onaldebtsecuredby this Securityinstrumem
`Theseamoumswar hearimerestat theinterestratesetTorthin theNotefromthe dmeof disbursememandwiH
`hepayablewith suchinterest,uponnoticefromLeaderto merequesEingpayment
`An of the insurancopolicies and renewalsof thosepolicies wW include what is kamvaas a "Staridard
`MortgageClause"to protect Lender andwill nameLeaderas mortgageeand/or asanadditionM fosspayce.
`The Mrm of all poHeietand renewatswin be acceptableto Lender.Leader will havethe detu m hold the
`pohainsand renewalcertificmes if Lenderrequires.f wm promptly give Lender90 receiptsalpsid premiuros
`andrenewalnoticesthm 1receive.
`if 1 ubtain any form of
`imuranco coverage,not otherwise remdred by Lender. Br damagem. or
`destructionof. the Propeny.suchpolicy win meludea StandardMortgageCIsuseand will name Lender as
`mortgageeandroiasanadditionaltosspayee
`(Cthereis a ims or damageto theProperty,1WWpromptly notify theinsumneecompanyandLonder if I
`do no.tpromptlypmveto the insurancecompanythatthetossor damageoccurred,thenLendermaydo so.
`The amountpaid by the insuranceemnpanyror foss or damuseto.the Pmfierty is called "insurance
`Pmceeds* Uaks Lender and I otherwiseagreein wdging.any InsuranceProceedAwhetheror not thè
`underlyinginsurancewasreq)red by Lender,wm beusedto repairor to restorethedñmagedVmpertyunless
`is not economicaUyfeas)1eto maketherepairsor restoratiom(b) the useof theInsuranceProceedsTw
`shalpurposewould tessenthe pmtectmngivento LeWorby this Secudtyinsuumont or (c) Leaderand f have
`agreedin whting not ro use the losuranceProceedsfor that purpose.During the period that any repÿrs or
`restorationsare being made, Lortdermay hold any InsuranceProecedsomil
`inspectthe Propertyto verilÿ that the repairwork hasbeencompictedto Lenders.sutisfaction.However.this
`it has hadan opporturdry to
`inspectionwin be done promptly. Lader maymake paymgmsfor the repairsand restorationsin a single
`paymentor in a seriesof progresspaymentsasthework iscornpleted;UnfessLenderandI agreeotherwisein
`writing or unlessApplicabkoLawrerguiresotherwise,L¢nderis stotrevired·to pay meany interemor eamings
`on the InsurancePmçeedsI w) pay rer any pubneadjustersor other ihird partiesthat I hire. nadtheir fees
`win not bepardout of the InsuranceProceeds.If therepairor restorationis cot economicallyfeasibleor if h
`emuld lessonLehdersprotectionmtderthis SecurityInstrument then the hisuranceProceedswiff be usedto
`reducethe amount that I owe to Lender underthis Security instrument.Such insuranceProceedswill be
`appliedin theorderprovidedfor ítt Section2. If any of the InsumaceProce¾srernainafter theamont ghatI
`oweto Lenderhas·beenped in full
`therenmininpasumncePeceedswin hepaid to me
`if I abandonthe Property,Leadermay tWe,negotimeandsettleatty avÿfable in½ranceclaim andrefated
`maners.if 1do no answer,within 30 days, a notice fmm Lender stating that the insurancecornp:myhas
`otYeredfo settlea claim. Lendermay negotiateandsettletheclaim. The 30-dayperiod will beginwheir the
`nonceis given. In dther event,or if Lenderacquiresthe PropertyunderSecdon22 ofthis SectarilyinMrurnem
`or·otherwise.I give Lendermy rights to any insuranceProceedsin an amoumnot greaterthanthe amoums
`unpaidunderthe Note andthis Security Instrumes. I olsogive Lender anyother of my rights(mher-than the
`right to any reftmdof unearnedprerrúumsthat 1paid)underan insurancepoliciescovenugtheProperty. r titc
`rightsareapplicableto thecoverageof the Property.Lendccmayusethe insumnceProceedschherto repairor
`resore the Fropertyor topay atnountsnpaid undettheNoteor this Securityhwtrumem whetheror not then
`6. Etorrower'sobligations to OccupyThe Froperty. I will occupythePropertyandusetheProputy as
`my principal residence-within 60 days aBer I sign this Security Instrument.1 wiO continueto occapy the
`Propertyandto usethe Pmpertyasmy prèncipalresidencefor at feastoneyear.The one-yearperiodw) begin
`whenI (cid:27)rstoccupythe Property,However, 1will nothaveIn occupythe PropertyandusethePropertyasmy
`principal residencewithin the tim(cid:11)framesset fonh aboveif Lenderagreesin wrihog that I do nrit have(ñ do
`so Lendermaynot refuseto agreeunlesstheretur.atis reasonable.I alsowin not haveto occupythe Pmperty
`ad use the Prenty as my principal residencewithin the time fivntes set forth above if eMemrating
`circumstancese.×istwhichne beyondmy control,
`1 Sorrowers Onuganons to Matotein And Ptotect The Property And to FamN Any lease
`Obtigadons. .
`(s) Maintennce and Protection of the Property..
`f w) not destroy.damageor harmthe Property..andI will notgllow thePropertyto deteriorme.Whether
`or not ( am residing in the Property,( wrHkeepthe PNperty in good mpair so that it w) not deteriorateor
`decreasein valuedueto its conditiort Unlessit is deterntinedunderSection5 of this Security instrumemthm
`repair is not economicany feasible. 1 wíts pmmptly tepair the Vroperty if damaged w avoid thrther
`insuranceor Codernnmion (as defined In the deGmtion of Misedtaneous
`Pmceeds)pmceedsare paid becauseof tossor damageto, or Condeamationof. the Property.5wit| itpair or
`restmethe Vmperly mely if Leader has releasedthoseproceedsIbr ntch purposes.Leadermay pay fm the
`repairsand resfomtionom of proceedsin a single paynaentor in a seriesof pogress paymemsas the work Is
`completed if 4he insmancem Condemnmionproceedsare not soniniem to repair or restorethe Property,t
`promiseto pay for he completionorunch repairor restomElon.
`A{NYU05mn C@ft(08105)
`
`deterioration or damage.If
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`P eGM(3
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`Form3033vot
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`

`

`FILED: QUEENS COUNTY CLERK 01/23/2024 09:35 AM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 710662/2023
`
`RECEIVED NYSCEF: 01/23/2024
`
`DOC ID 4 :
`(b) Lender's inspection of Property.
`Lender.ond othersauthmixedby Lender..maycoter on and mspectthe Property.They wlIt do so m a
`reasonablemannerondatreasonabletimes.Kit hasa reasonablepunese. Leadermay speetthe insideof tlw
`homeor otherimprovernessoñ theProperty.Beforeor at theiirne aninspectionis made,LenderwtHgive me
`noticeseminga reasonablepurposefor suchimeriorinspection.
`3. porrowefs Loan Appuemion, If, during the applicationprocessror the 1oan, L or any Personor
`emity acting at my direction or with my knowledge or coment. made false, misleading,or inaccurate
`statememsto Leaderaboutintbrmation imponantto 1-ender-indeterminí% my eligibility for the 1oan(or4id
`not provide Lender with such information), LenderwRI treat my actionsas a defauh underthis Seemity
`instrument,False.misleading.or inaccuratestmememsabout informationimportantto Lenderwould includea
`misrepresemationof rny imention to occupythePropertyasa principal readence This isjust oneexampleof
`a false,misleading,or inaccuratestatementof troponentinformation.
`9, Lead¢r's Right to Protect Its Righta in The Property, if: (a) t do not keep my promisesand
`agreementsmadein this Security Instrument,(b) someone.includingme, beginsa legal proceedingthat may
`significantly offect Lenders imerestin the Propertyor rights underthis Securityinstrtiment(suchas a Ingot
`proceedingin bankmptcy.in probme,for Condemnationor Porfeiture(asdefinedin Section I FLproceedings
`which could give a Personrights which could equalor exceedLandersinterestin the Propenyor underthis
`Securlty Instmmerit.proceedingsrer onforcementof a Lien which may becomesuperior to this Secunty
`instrwmem.or to entbrcelaws or regulations),or (c) 1 haveabandonedtheProperty,then Lenderinay do and
`pay for whateveris reasonableor approphateto protect Lenders interestin the Propertyand Leadersrights
`underthisSecurityInstrumem.
`Lenders actions may include. but are itoElimited to; la) protectingand/or assessingthe valua of the
`Propeny: (b) securing and/or repairing the Propeny (c) paying sums to elirninate any Lien against the
`Propertythat may be equal or supenor to titis Security Instrument;(d) appearingin court; and (c) paying
`reasonableattorneys*feesto protect its interestin the l'roperty and/or rightsunder this Seen