FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`SUPREME
`COUNTY
`
`OF THE
`COURT
`OF SARATOGA
`
`STATE
`
`OF NEW YORK
`
`Nationstar
`
`Mortgage
`
`LLC d/b/a
`
`Champion
`
`Mortgage
`
`INDEX
`
`NO.
`
`20157
`
`IN
`
`OF
`
`ATTORNEY
`AFFIRMATION
`SUPPORT
`PLAINTIFF'S
`FOR A DEFAULT
`JUDGMENT
`AND ORDER
`OF REFERENCE
`
`MOTION
`
`MORTGAGED
`Swaggertown
`712
`NY 12-3,02
`
`Scotia,
`
`PROPERTY:
`Road
`co
`
`Administrator
`Jane Califano;
`The
`Secretary
`Jeffrey
`Scott
`Hess;
`Deborah
`
`Hess;
`
`and
`
`-rl
`
`r
`O
`
`Company
`
`v.
`
`Plaintiff(s),
`
`Montgomery
`the Estate
`of
`The United
`of Housing
`Hess; Mark
`John
`Dence;
`Pietrantozzi;
`Stephen
`
`Hess;
`James
`Sharon
`Alfred
`Hess;
`New York
`
`Williams;
`Finance,
`
`follows:
`
`Treasurer,
`County
`Califano
`of Emily
`of America
`States
`acting
`and Urban
`Development;
`Lawrence
`Hess;
`
`Limited
`
`as the
`a/k/a
`
`Emily
`through
`Richard
`Elaine
`
`Dence;
`Dorothy
`Kathleen
`James;
`Williams
`a/k/a
`State Department
`
`Hess;
`Yaksta;
`Scherenberger;
`John
`James;
`Alfred
`Robert
`of Taxation
`
`Defendant(s).
`
`COUNTY:
`Safét
`SBL
`#: Sectio¾23
`Lot
`66
`
`g
`
`Ble-sk
`-
`
`1
`
`Brent
`
`Surgeoner,
`
`pursuant
`
`to CPLR 2106
`
`and
`
`under
`
`the
`
`penalties
`
`of perjury,
`
`affirms
`
`as
`
`with
`
`LOGS
`
`Legal
`
`LLP f/k/a
`
`1.
`
`I am an attorney
`
`at
`
`law
`
`and
`
`an associate
`
`Group
`
`Shapiro,
`
`DiCaro
`
`& Barak,
`
`LLC the
`
`attorneys
`
`of
`
`record
`
`for
`
`the Plaintiff
`
`I am fully
`
`familiar
`
`with
`
`the
`
`facts,
`
`court
`
`papers
`
`and
`
`proceedings
`
`of
`
`this
`
`action
`
`based
`
`upon
`
`a review
`
`of
`
`the
`
`file maintained
`
`by my
`
`office.
`
`2.
`
`True
`
`and
`
`accurate
`
`copies
`
`of
`
`the
`
`following
`
`supporting
`
`documents
`
`are attached
`
`hereto:
`
`Document
`Note
`Home
`Equity
`Assignments
`
`Conversion
`
`Mortgage
`
`Notice(s)
`
`of Default
`
`Tab
`Exhibit
`Exhibit
`Exhibit
`Exhibit
`
`A
`B
`C
`D
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 1 of 7
`
`1 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`RPAPL
`Department
`Summons
`Notice
`Affidavits
`Affidavit
`Affidavit
`
`Notice(s)
`Search
`
`results
`
`pursuant
`Due
`
`to CPLR 3215
`
`(g)(3)(iii)
`
`E
`Exhibit
`F
`Exhibit
`G
`Exhibit
`H
`Exhibit
`I
`Exhibit
`J
`Exhibit
`K
`Exhibit
`L
`Exhibit
`Exhibit M
`N
`Exhibit
`O
`Exhibit
`Exhibit
`P
`Exhibit
`Q
`
`§ 1304
`90-Day
`of Defense
`and Complaint
`of Pendency
`of Service
`by Mail
`of Service
`and Amount
`of Merit
`Letters
`of Death
`Certificate,
`Copy
`and Answer
`of Appearance,
`Notices
`Ad Litem
`Guardian
`Order
`Appointing
`Ad Litem
`Guardian
`Letter
`Dismissing
`to Amend
`and Complaint
`Summons
`Order
`Supplemental
`and Amended
`Summons
`
`of Administration,
`or Notices
`
`and Decree
`of Return
`
`Complaint
`
`Legalback
`Proposed
`
`No.
`Order
`
`2 - filed
`contemporaneous
`of Reference
`
`with
`
`this motion
`
`All
`
`personal
`
`non-public
`
`information
`
`has
`
`been
`
`redacted
`
`from
`
`the
`
`attached
`
`supporting
`
`documents.
`
`3.
`
`This Home
`
`Equity
`
`Conversion
`
`Mortgage
`
`("reverse
`
`mortgage")
`
`foreclosure
`
`action
`
`was
`
`commenced
`
`by
`
`filing
`
`the mmmons
`
`and
`
`complaint
`
`in the Saratoga
`
`County
`
`Clerk's
`
`Office
`
`on
`
`January
`
`5, 2015
`
`in the County
`
`where
`
`the mortgage
`
`property
`
`is located.
`
`The
`
`action
`
`was
`
`brought
`
`to foreclose
`
`a residential
`
`Mortgage
`
`executed
`
`by Emily
`
`Jane Califano,
`
`now deceased,
`
`to Wells
`
`Fargo
`
`N.A.
`
`recorded
`
`in the
`
`Bank,
`
`on February
`
`2, 2007,
`
`in an amount
`
`up to $243,000.00,
`
`and
`
`Saratoga
`
`County
`
`Clerk's
`
`Office
`
`on February
`
`22,
`
`2007
`
`in Instrument
`
`Number:
`
`2007007401.
`
`The
`
`Mortgage
`
`was
`
`transferred
`
`to Nationstar
`
`Mortgage
`
`LLC d/b/a
`
`Champion
`
`Mortgage
`
`Company,
`
`and
`
`said
`
`transfer
`
`was memorialized
`
`an Assignmcñt
`
`by
`
`of Mortgage
`
`executed
`
`on September
`
`12, 2017
`
`and
`
`recorded
`
`September
`
`12, 2017
`
`in Instrument
`
`Number:
`
`2017029031.
`
`4.
`
`The Mortgagor,
`
`Emily
`
`Jane Califano,
`
`no longer
`
`resides
`
`at
`
`the
`
`subject
`
`premises,
`
`therefore
`
`pursuant
`
`to the
`
`terms
`
`of
`
`the Home
`
`Equity
`
`Conversion
`
`Mortgage
`
`and Agreersent,
`
`Plaintiff
`
`is entitled
`
`to the
`
`relief
`
`herein
`
`requested.
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 2 of 7
`
`2 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`5.
`
`On January
`
`5, 2015,
`
`Plaintiff
`
`filed
`
`a notice
`
`of peñdeñcy
`
`in accordance
`
`with
`
`RPAPL
`
`§1331
`
`and CPLR Article
`
`65,
`
`a copy
`
`of which
`
`is attached
`
`hereto
`
`as Exhibit
`
`"H".
`
`On
`
`November
`
`9, 2020,
`
`Plaintiff
`
`re-filed
`
`the
`
`notice
`
`of pendency
`
`in accordance
`
`with
`
`RPAPL
`
`§1331
`
`and CPLR Article
`
`65.
`
`6.
`
`The
`
`Summons,
`
`Complaint,
`
`Supplemental
`
`Summons,
`
`Amended
`
`Complaint,
`
`and
`
`are in the
`
`form
`
`prescribed
`
`statute
`
`and
`
`contain
`
`all
`
`the
`
`particulars
`
`required
`
`Notice
`
`of Pendency
`
`by
`
`by
`
`law.
`
`The
`
`Summonses
`
`comply
`
`with
`
`the
`
`requirements
`
`of RPAPL
`
`§1320,
`
`contains
`
`the
`
`required
`
`notice
`
`in boldface
`
`type
`
`and
`
`is in the
`
`format
`
`required
`
`statute.
`
`by
`
`According
`
`to the
`
`affidavits
`
`of
`
`service,
`
`the
`
`summonses
`
`were
`
`served
`
`together
`
`with
`
`the Complaint
`
`and Amended
`
`Complaint.
`
`Copies
`
`of
`
`the Summons,
`
`Complaint,
`
`Notice
`
`of Pendency
`
`and
`
`affidavits
`
`of
`
`service
`
`are attached
`
`"H"
`
`and
`
`Exhibit
`
`"I".
`
`hereto
`
`as Exhibit
`
`"G",
`
`Exhibit
`
`7.
`
`On January
`
`5, 2015,
`
`the
`
`prior
`
`Plaintiff
`
`was
`
`the Holder
`
`of
`
`the
`
`subject
`
`note.
`
`The
`
`Affidavit
`
`of Erin
`
`Naylor,
`
`attached
`
`hereto
`
`as Exhibit
`
`"K",
`
`confirms
`
`contim1ed
`
`possession
`
`of
`
`the
`
`note.
`
`8.
`
`Although
`
`RPAPL
`
`§1304
`
`has
`
`since
`
`been
`
`amended,
`
`at
`
`the
`
`time
`
`the
`
`instant
`
`foreclosure
`
`action
`
`commenced
`
`in 2015,
`
`Plaintiff
`
`was
`
`not
`
`required
`
`to send
`
`the
`
`borrower
`
`a 90-day
`
`pre
`
`foreclosure
`
`notice
`
`because
`
`the mortgage
`
`being
`
`foreclosed
`
`herein
`
`was
`
`a reverse
`
`mortgage
`
`and
`
`thus
`
`not
`
`a "home
`
`loan".
`
`9.
`
`Emily
`
`Jane Califano
`
`and/or
`
`her Estate
`
`has breached
`
`and violated
`
`the provisions
`
`of
`
`the Note
`
`and Home
`
`Equity
`
`Conversion
`
`Mortgage
`
`and ñêglected
`
`and
`
`failed
`
`to pay
`
`the principal,
`
`interest,
`
`advances
`
`and
`
`any
`
`permissible
`
`fees when
`
`due,
`
`despite
`
`due
`
`demand
`
`therefore
`
`and
`
`by
`
`failing
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 3 of 7
`
`3 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`to make
`
`payment
`
`of
`
`real
`
`property
`
`and taxes when
`
`due,
`
`thus
`
`inaking
`
`it necessary
`
`for
`
`the plaintiff
`
`to
`
`pay
`
`the
`
`same
`
`to protect
`
`its interest.
`
`10.
`
`Defendant(s)
`
`were
`
`served
`
`with
`
`the notice
`
`required
`
`by RPAPL
`
`§1303
`
`printed
`
`on
`
`colored
`
`paper
`
`together
`
`with
`
`the summons
`
`and
`
`complaint
`
`(as supplemented
`
`and amended)
`
`printed
`
`on
`
`white
`
`paper.
`
`The RPAPL
`
`§1303
`
`notice
`
`complies
`
`with
`
`the requirements
`
`of
`
`that
`
`statute,
`
`with
`
`the title
`
`was
`
`in bold,
`
`20-point
`
`type
`
`and the text
`
`in bold,
`
`14-point
`
`type.
`
`The RPAPL
`
`§1303
`
`notice
`
`delivered
`
`to the mortgagors
`
`on its own
`
`separate
`
`page,
`
`together
`
`with
`
`the
`
`summons
`
`and
`
`complaint
`
`and
`
`supplemental
`
`summons
`
`and
`
`complaint.
`
`The
`
`notices
`
`and
`
`filings
`
`required
`
`by RPAPL
`
`§§1304
`
`and
`
`1306
`
`are not
`
`required
`
`as discussed
`
`supra.
`
`Copies
`
`of
`
`these
`
`notices
`
`and
`
`affidavits
`
`of
`
`service
`
`are
`
`attached
`
`hereto
`
`as Exhibits
`
`"E"
`
`and
`
`"I".
`
`Plaintiff
`
`served
`
`an additional
`
`11.
`
`copy
`
`of
`
`the
`
`summons
`
`in compliance
`
`with
`
`CPLR
`
`3215(g)(3).
`
`The
`
`affidavit
`
`of
`
`service
`
`by mail
`
`is attached
`
`hereto
`
`as Exhibit
`
`"J".
`
`12.
`
`The
`
`following
`
`defendants
`
`did
`
`not
`
`answer
`
`or appear
`
`and
`
`their
`
`time
`
`to answer
`
`has
`
`expired:
`
`Montgomery
`
`County
`
`Treasurer
`
`and Richard
`
`Hess
`
`and Mark
`
`Hess
`
`and
`
`Jeffrey
`
`Hess
`
`and
`
`Lawrence
`
`Hess
`
`and Elaine
`
`Yaksta
`
`and Scott
`
`Hess
`
`and
`
`John
`
`Dence
`
`and
`
`James
`
`Dence
`
`and Dorothy
`
`Scherenberger
`
`and Deborah
`
`Pletrantozzi
`
`and Kathleen
`
`James
`
`and
`
`John
`
`Hess
`
`and Stephen
`
`Hess
`
`and Alfred
`
`Williams
`
`and New York
`
`State Department
`
`of Taxation
`
`and
`
`Finance.
`
`Accordingly,
`
`these
`
`defendants
`
`are in default.
`
`13.
`
`Defendant
`
`Sharon
`
`James,
`
`named
`
`as a potential
`
`heir/distributee
`
`of
`
`the
`
`deceased
`
`mortgagor,
`
`was
`
`not
`
`served
`
`with
`
`the Supplemeñtal
`
`Summons
`
`and Amended
`
`Complaint
`
`as it was
`
`discovered
`
`at
`
`the
`
`time
`
`of
`
`service
`
`that
`
`she died
`
`on March
`
`12, 2019.
`
`Inasmuch
`
`as a Limited
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 4 of 7
`
`4 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`Administrator
`
`of
`
`the Estate
`
`of
`
`the
`
`deceased
`
`mortgagor
`
`has been
`
`appointed
`
`and
`
`the
`
`remaining
`
`heirs
`
`named
`
`in the
`
`action,
`
`it
`
`is respectfully
`
`submitted
`
`that
`
`Sharon
`
`James
`
`is not
`
`a ñecessary
`
`party
`
`to the
`
`action
`
`and
`
`should
`
`be dropped
`
`as a defendant
`
`and
`
`removed
`
`from
`
`the
`
`caption.
`
`14.
`
`No defendant
`
`is an infant.
`
`No defend
`
`ant
`
`is in the
`
`armed
`
`services
`
`of
`
`the United
`
`States
`
`of America.
`
`Upon
`
`information
`
`and
`
`belief,
`
`no defeñdañt
`
`is incompetent.
`
`15.
`
`A Department
`
`of Defense
`
`Manpower
`
`Data
`
`Center
`
`search
`
`was
`
`conducted
`
`to
`
`determine
`
`the
`
`current
`
`military
`
`status
`
`of
`
`the deceased
`
`mortgagor
`
`Emily
`
`Jane Califano
`
`prior
`
`to
`
`bringing
`
`this
`
`application,
`
`as well
`
`as the heirs
`
`named
`
`herein.
`
`The
`
`information
`
`generated
`
`from the
`
`search
`
`indicated
`
`that
`
`the
`
`aforementioned
`
`are not
`
`on active
`
`duty
`
`in the military
`
`service
`
`of either
`
`the
`
`United
`
`States
`
`or an ally.
`
`The
`
`searches
`
`were
`
`conducted
`
`on a date
`
`after
`
`the default
`
`in answering
`
`or
`
`appearing
`
`had
`
`occurred
`
`for
`
`all Defendante
`
`and
`
`a date
`
`shortly
`
`before
`
`the
`
`submission
`
`of
`
`this Order
`
`of
`
`Reference
`
`application.
`
`A copy
`
`of said
`
`search,
`
`together
`
`with
`
`Affirmant's
`
`Affidavit
`
`of Military
`
`Status
`
`for
`
`each Defendant
`
`herein,
`
`is attached
`
`hereto
`
`as Exhibit
`
`"F".
`
`16.
`
`Mortgagor
`
`Emily
`
`Jane Califano
`
`died
`
`on January
`
`4, 2016.
`
`By Decree
`
`and
`
`Letters
`
`of Limited
`
`Administration
`
`dated
`
`February
`
`1, 2019,
`
`the Montgomery
`
`Ùounty
`
`Treasurer
`
`was
`
`appoiñted
`
`of her Estate.
`
`of
`
`the Death
`
`and Decree
`
`are
`
`as fiduciary
`
`A copy
`
`Certificate,
`
`Letters,
`
`attached
`
`hereto
`
`as Exhibit
`
`"L".
`
`17.
`
`Defendant
`
`United
`
`States
`
`of America
`
`acting
`
`through
`
`The
`
`Secretary
`
`of Housing
`
`and
`
`Urban
`
`Development
`
`has
`
`appeared.
`
`Attached
`
`hereto
`
`as Exhibit
`
`"M"
`
`is a copy
`
`of
`
`their
`
`Notice
`
`of
`
`Appearance,
`
`Answer
`
`or Notice
`
`of Return.
`
`18.
`
`An Order
`
`to Appointing
`
`Guardian
`
`Ad Litem
`
`("GAL")
`
`was
`
`filed
`
`on December
`
`3,
`
`2015.
`
`A copy
`
`is attached
`
`hereto
`
`as Exhibit
`
`"N".
`
`14-038653
`
`Affinnation
`
`in Support
`
`Page 5 of 7
`
`5 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`19.
`
`By
`
`letter
`
`dated
`
`June
`
`8, 2016,
`
`the Honorable
`
`Richard
`
`Sise,
`
`A.J.S.C.
`
`relieved
`
`the
`
`GAL
`
`of his
`
`duties
`
`as GAL
`
`given
`
`confirmation
`
`that
`
`Emily
`
`Califano
`
`had
`
`died. A copy
`
`of
`
`the
`
`letter
`
`is attached
`
`hereto
`
`as Exhibit
`
`"O".
`
`20.
`
`An Order
`
`to Amend
`
`Summons
`
`and Complaint
`
`was
`
`filed
`
`on September
`
`18, 2019.
`
`A copy
`
`is attached
`
`hereto
`
`as Exhibit
`
`"P".
`
`21.
`
`A Supplemental
`
`Summons
`
`and Amended
`
`Complaint
`
`was
`
`filed
`
`on January
`
`23,
`
`2020
`
`and
`
`attached
`
`hereto
`
`as Exhibit
`
`"Q".
`
`22.
`
`23.
`
`Plaintiff
`
`has not made
`
`any
`
`previous
`
`motion
`
`for
`
`this
`
`or
`
`like
`
`relief.
`
`Therefore,
`
`it
`
`is respectfully
`
`requested
`
`that
`
`the Court
`
`grant
`
`Plaintiff's
`
`motion
`
`for
`
`a
`
`Default
`
`Judgment
`
`with RPAPL
`
`§1321
`
`and
`
`award
`
`such
`
`other
`
`and Order
`
`of Reference
`
`in accordance
`
`and further
`
`relief
`
`as the Court
`
`may
`
`deem just
`
`and proper.
`
`WHEREFORE,
`
`Plaintiff
`
`requests
`
`an order
`
`from
`
`this Court:
`
`a.
`
`Appointing
`
`a Referee
`
`to compute
`
`the
`
`amount
`
`due Plaintiff
`
`and
`
`to examine
`
`whether
`
`the mortgaged
`
`property
`
`known
`
`as 712
`
`Swaggertown
`
`Road,
`
`Scotia,
`
`NY 12302
`
`can
`
`be
`
`sold
`
`in parcels,
`
`and make
`
`his/her
`
`computation
`
`and
`
`report
`
`with
`
`all
`
`convenient
`
`speed
`
`pursuant
`
`to
`
`RPAPL
`
`§1321;
`
`b.
`
`c.
`
`d.
`
`Removing
`
`Sharon
`
`James
`
`as a party
`
`defendant
`
`to this
`
`action;
`
`Determining
`
`all non-appearing
`
`and
`
`non-answering
`
`Defendants
`
`to be in default;
`
`Granting
`
`default
`
`judgment
`
`in favor
`
`of Plaintiff
`
`against
`
`all
`
`other
`
`Defendants
`
`as to
`
`all
`
`of
`
`the
`
`facts
`
`and
`
`issues
`
`described
`
`in the Plaintiff's
`
`Complaint
`
`herein;
`
`and
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 6 of 7
`
`6 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`e.
`
`Granting
`
`such
`
`additional
`
`relief
`
`as the Court
`
`may
`
`deem just
`
`and
`
`proper.
`
`The
`
`undersigned
`
`affirms
`
`that
`
`the
`
`foregoing
`
`statements
`
`are true,
`
`under
`
`the
`
`penalties
`
`of
`
`perjury.
`
`Dated:
`
`O Ode
`County,
`
`3,Z0
`Nev)
`
`York
`
`Monroe
`
`Esq.
`
`Brent
`S rgeoner,
`Associate
`Attorney
`GROUP
`LEGAL
`LOGS
`DICARO
`for Plaintiff
`
`SHAPIRO,
`Attorneys
`175 Mile
`
`LLP F/K/A
`& BARAK,
`
`LLC
`
`Boulevard
`Crossing
`New York
`14624
`Rochester,
`247-9000
`247-7380
`
`(585)
`Fax:
`
`(585)
`
`Brent
`
`Surgeoner,
`
`Esq.
`
`an attorney
`
`at
`
`law licêñsed
`
`to practice
`
`in the State
`
`of New York,
`
`and
`
`the
`
`attorney
`
`for Plaintiff
`
`in this
`
`action,
`
`hereby
`
`certifies
`
`that,
`
`to the
`
`best
`
`of his/her
`
`knowledge,
`
`information
`
`and
`
`belief,
`
`formed
`
`after
`
`an inquiry
`
`reasonable
`
`under
`
`the
`
`circumstances,
`
`the
`
`presentation
`
`of
`
`this
`
`pleading,
`
`affidavit
`
`(or motion
`
`if applicable),
`
`and
`
`the
`
`contentions
`
`contaiñed
`
`herein
`
`are not
`
`frivolous
`
`as defined
`
`by 22 NYCRR
`
`130-1.1
`
`Brent
`
`Surgeoner,
`
`Esq.
`
`14-038653
`
`Affirmation
`
`in Support
`
`Page 7 of 7
`
`7 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 2
`
`NYSCEF DOC. NO. 67
`NYSCEF DOC. NO. 67
`
`
`INDEX NO. 20157
`INDEX NO. 20157
`
`
`
`
`
`RECEIVED NYSCEF: 12/15/2021
`RECEIVED NYSCEF: 12/15/2021
`
`8 of 245
`
`
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`EMF1CEBIf
`FjÇATION
`Pursuant
`to Seedon
`2105 of
`the New yø
`Civil Practice
`Law anrJ Rule& I. an attomsy
`admitted
`to practice
`in ttle courts
`et mé
`State, hereby
`certify thaHhis
`copy has been
`compared
`by me with the original
`and is a
`tru
`and complete
`copy thereof.
`
`ADJUSTABLE
`(HOME
`EQUlTY
`
`RATE NOTE
`CONVERSION
`
`ATFORNE
`
`FEBRUARY02 , 2007
`712 SWAGGERToWNROAD
`SCOTIA, NY 12302
`
`|PropertyAddressi
`1. DEFINITIONS
`"Borrower" means each person signing et the end of this Note. "Lander" means
`WELLS FARGOBANlt, NsA.
`and its successors and assigns. "Secretary" means the Secretary of Housing and
`Urban Development or his or her authorized representatives.
`2. BORROWER'S PROMISE TO PAY: INTEREST
`In return for emounts to be advanced by Lender to or for the bertefit of 8ofrower under the
`02/M/07
`PLoan
`terms of.a Home Equity Conversion Loan Agreement hted
`ornmises to pay to the order oi Lunder a pdScipal Mnount equal to the sum
`Agreenient%Borrower
`of all Loan Advances made under the Loan Agreement with Interest. All amoung advanced by
`,2076
`if not paid earlier, are due and payable onAUGtf5T 15T11
`lender, plus interestt
`Interest will be charged on unpaid principal at the rate ofSIR AND 600/1000
`the fol? amount of
`6 -600 %) per year until
`percent (
`principal høs been paid. Th0 interest rate may change in accordance with PMagraph B of This Note.
`Accrued interest shall be edded to the principal balance as a Loart Advance at the and M eabh
`month,
`3. PROMISETO PAY SECURED
`Borrower's promise to pay is secured by a mort agesdeed of trust or similar security inátrument
`That Security
`that is dated the satne date as this Note and cohad Ît10"Securny Instrument
`Instrurnent protects the Lander from losses which might result if Borrower defaults under this Note.
`4. MANNER OF PAYMENT
`(AI Time
`Borrower shall pay all outstanding principal and accrued interest to Lender upon receipt of a
`notice by Lender requiring immediate payment in full, as provided In Paragraph 7 of this Note.
`(B) Place
`Payment shall be mado atWELLS FARGOBANK, N.A.
`3480 STATEVIEW BLVD. MAC X7802-038
`800-472-3209
`FORT MILL, SC 29715 -7203
`place as Lender may designate in writing by notice to Borrower.
`(C) Limhation of Liability
`Borrower shall have rio personal liability for payment of the debt. Lender shall unforce the
`It this
`debt only through sale of the Property covered by the Security Instrument FProperty")
`hetween
`Note la assigned to the Stserotary, the Borrows shotl not be liable for any effsencg
`the thortgage insurance benefits paid to Lender and the outstanding indebtedness.
`including
`accrued interest, owed by Borrower at the time of the assignment.
`5. INTERESTRATE CHANGES
`(A) Change Date
`The interest rate may change on the first day of MAY 2007
`, an,don Othat
`the first day of each succeeding inonth. "Change Date"
`day of each succeeding year
`means each date on which the interest rate could change.
`(BTThe index
`Beginning with the first Change Date, the interest rate will be based on an Index. "Index"
`means the weekly average yield on United States Treasury Securities adjusted to a constant
`index" m0ans
`maturity of one year, as made available by the Fadem1Heserve Board. "Current
`the most recent index figure available 30 days before the Changs.Date. if the index (as defined
`above) is no longer availa.ble. Londer will use as a new ladex any index prescribed by the
`Secretary. Londer wilt give Borrower notice of the new Indot
`(C) Calculation of interest Hate Changes
`Before each Changa Date, Londer will calculate a new interest rate by adding n margin of
`ONE AND ONE-WALF
`L500 %)
`percentage points (
`to the Current Index. Subject to the limits stated in Paranroph 6(D) of this Note, this arnount wifi
`he the new interest rate until the next Change Data.
`(D) Limits on intesest Rate Changes
`The interest rate will never increase or decrease by more than two pereea*
`e points
`(230%) on any single Chango Date. The interest rate will never be more than five 7EEEm‡e
`points (5.0%) higher or lower than the inlrial Interest rate stated in Þar graph 2 of this Note.
`The interest rate will never increase above sixtalm AND 6oo lood
`16.600 %),
`percent (
`(E) Notice of Changes
`Londer will give notice to Borrower of any change in the interest rate, The notice must be
`given at least 25 days before the new interest rate takes effect. and must set forth (i) the date
`of the ijotice,
`(ii) the Change Date, (iii) the ofd interest rate, liv) the new interest rate, M the
`Current Index and the date It was published, (vi) the method of calculating the adjusted interest
`rate, and (vih any other information which may be required by law from time to dme.
`
`, or any such other
`
`NMR 8812(QAMUIRevo5/o8/20a6
`30XA:o6/o4
`
`Pago1 di 3
`
`9 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`(F) Effective Date of Changes
`A new interest rate calculated in accordance with paragraphs 5(C) and 5(D) of this Note will become
`effective on the Change Date, unless the Change Date occurs less than 25 days after Lander has given
`the required notice.
`If the interest rate calculated In accordance with Paragraphs 5(C) and 5(D) of this
`Note decreased, but Lender failed to give timely notice of the decrease and applied a higher rate than
`the rate which should have been stated in a timely notice, then Lender shall recalculate the principal
`balance owed under this Note so it does not reflect any excessive interest.
`6. BORROWER'S RIGHT TO PREPAY
`A Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or
`penalty. Any amount of debt prepaid will first be applied to reduce the principal balance of the Second Note
`described in Paragraph 11 of this Note and then to reduce the principal balance of this Note.
`All prepayments of the principal balance shall be applied by Lander as follows:
`FElit, to that portion of the principal balance representing aggregate payments for mortgage
`insurance premiums;
`Second. to that portion of the principal balance representing aggregate payments for servicing fees;
`Third. to that portion of the pnncipal balance re assrer.g accrued interest due under the Note; and
`Fourth. to the remaining cortion of the principal balance. A Borrower may specify whether a
`prepayment is to be credlted to that portion of the principal balance representing monthly payments
`If Borrower does not designate which portion of the principal balance is to be
`or the line of credit.
`prepaid, Lander shall apply any partial prepayments to an existing line of credit or create a new line
`of credit.
`7. IMMEDIATE PAYMENT IN FULL
`(A) Death or Sale
`if:
`Lander may require immediate payment in full of all outstanding principal and accrued interest
`(i) A Borrower dies and the Property is not the principal residence of at least one surviving Borrower,
`or
`in a trust owning all or
`(ii) All of a Borrower's title in the Property (or his or her beneficial interest
`part of the Property) is sold or otherwise transferred and no other Borrower retains title to the
`Property in fee simple or retains a leasehold under a lease for less than 99 years which is renewable
`or a lease having a remaining period of not less than 50 years beyond the date of the 100th birthday
`in a trust with
`of the youngest Borrower or retains a life estate (or retaining a beneficial interest
`in the Property).
`such an interest
`(B) Other Grounds
`Lender may require immediate payment in full of all outstanding principal and accrued interest, upon
`approval by an authorized representative of the Secretary, if:
`(i) The Property ceases to be the principal residence of a Borrower for reasons other than death and
`the Property Is not the principal residence of at least one other Borrower;
`(ii) For a period of longer than 12 consecutive months, a Borrower fails to physically occupy the
`illness and the Property is not the principal residence of at
`Property because of physical or mental
`least one other Borrower: or
`liii) An obligation of the Borrower under the Security Instrument
`is not performed.
`(C) Payment of Costs and Expenses
`If Lander has required immediate payment in full as described above, the debt enforced through sale
`attorneys'
`of the Property may include costs and expenses, including reasonable and customary
`fees,
`associated with enforcement of this Note to the extent not prohibited by applicable law. Such fees and
`costs shall bear interest
`from the date of disbursement at the same rate as the principal of this Note.
`(D) Trusts
`of the
`Conveyance of a Borrower's interest in the Property to a trust which meets the reodmass
`Secretary, or conveyance of a trust's interests in the Property to a Borrower, shall not be ;::‡:nd
`a
`conveyance for purposes of this Paragraph. A trust shall not be considered an occupant or be
`considered as having a principal residence for purposes of this Paragraph.
`8. WAlVERS
`Borrower waives the rights of presentment and notice of dishonor. "Presentment" means the right to
`require Lender to demand payment of amounts due. "Notice of dishonor" means the right to require Lender
`to give notice to other persons that amounts due have not been paid.
`9. GIVING OF NOTICES
`Unless applicable law requires a different method, any notice that must be given to Borrower under this
`Note will be given by delivenng it or by mailing it by first class mall to Borrower at the Property Address
`above or at a different address if Borrower has given Lender a notice of Borrower's different address.
`Any notice that must be given to Lander under this Note will be given by first class mail to Lender at the
`address stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different
`address.
`10. OBLIGATIONS OF PERSONS UNDERTHIS NOTE
`.lf more than one person signs this Note, each person is fully obligated to keep all of the promises made
`in this Note. Londer may enforce its rights under this Note only through sale of the Property.
`11. RELATIONSHIP TO SECOND NOTE
`(A) Second Note
`Because Borrower will be required to repay amounts which the Secretary may make to or on behalf
`of Borrower pursuant to Section 255(i)(1)(A) of the National Housing Act and the Loan Agreement,
`the
`Secreta
`has required Borrower to grant a Second Note to the Secretary.
`(B) Rela onship of Secretary Payments to this Note
`Payments made by the Secretary shall not be included In the debt due under this Note unless:
`(i) This Note is assigned to the Secretary; or
`(ii) The Secretary accepts reimbursements by the Lender for all payments made by the Secretary.
`If the circumstances described in (i) or (II) occur, then all payments by the Secretary,
`including interest
`on the payments, shall be included in the debt.
`
`31XA:oa/97
`
`Pogo2 of 3
`
`10 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`(C) Effect on Borrower
`Where there is no assignment or reimbursement as described in (B)(i) or (ii), and the
`Secretary makes payments to Borrower, then Borrower shall not:
`(i) Be required to pay amounts owed under this Note until the Secretary has required
`yment in full of all outstanding principal and accrued interest under the Second Note held
`anything to the contrary in Paragraph 7 of this Note; or
`the Secretary, notwithanding
`(I Be obligated to pay interest or shared appreciation under this Note at any time, whether
`ents by the Secretary, and whether or not accrued interest
`accrued before or after the pa
`has been included in the princ at balance of this Note, notwithstanding anything to the
`contrary in Paragraphs 2 or 5 f this Note or any Allonge to this Note.
`12. SHARED APPRECIATION
`the covs==to of the Allonge shall
`if Borrower has executed a Shared Appreciation Allonge,
`the covenants of this Note as if the Allonge were a part of this
`be incorporated into and supplement
`Note.
`13. GOVERNING 1.AW
`fees and other amounts charged or accruing in connection with this Note which
`All
`interest,
`are considered "interest" within the meaning of Section 86 of the National Bank Act (12 USC ½ 85;
`In all other
`12 CFR 7.4001(a)) shall be governed by and interpreted under South Dakota law.
`respects, this Note and all related documents, as well as the rights, remedies, and duties of the
`Bank and the borrawaris), shall be governed and interpreted by federal law with respect to national
`banks and, to the extent not preempted by federal law, the consumer protection laws of the state in
`which the real estate is located, except that Texas Finance Code Chapter 346 (which regulates
`certain revolving credit accounts) does not apply to this Note.
`
`BY SIGNING BELOW, Borrower accepts and agrees to the terms and wramnio
`Note. •
`
`contained in this
`
`.
`
`(Seal)
`-aorrower
`
`(Seal)
`-Boffower
`
`(Seal)
`-aorrower
`
`(Seal)
`-corrower
`
`EMZLY
`
`IPAWO
`
`¢t4M)
`
`WITHOUT RECOURSE
`PAYTO THE ORDER OF
`N.A.
`FARGO)A
`WE
`BY
`oan M.Mils, Vice Prest ent
`
`WF48:o3105
`
`Page3 of 3
`
`.
`
`11 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 A
`
`NYSCEF DOC. NO. 67
`NYSCEF DOC. NO. 67
`
`
`INDEX NO. 20157
`INDEX NO. 20157
`
`
`
`
`
`RECEIVED NYSCEF: 12/15/2021
`RECEIVED NYSCEF: 12/15/2021
`
`
`
`12 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`.____....
`...
`......
`. __..........__..
`......
`........
`..
`.
`....
`NYSCEF DOC. NO. 67
`
`INDEX NO. 20157
`
`....
`..
`.
`.
`RECEIVED NYSCEF: 12/15/2021
`
`.Kat,hleen
`
`-
`
`Satatega.cositty
`A. Marchione
`CiOUNTY CtERKS
`IS
`PART
`PACE
`
`THIS
`
`.
`
`RECEI'PT
`
`NO.
`
`:
`
`2D0721"12·16797
`
`#:
`Instr
`Rec
`Date:
`Doc Grp:
`Descrip:
`N.um Pgs:
`
`200700740.1
`02/22/2007
`X
`MORTGAGE
`.1
`
`10.:46:16
`
`AM
`
`Ear-tyl.:.
`l?.ar.tý2:
`Town.:
`
`C
`
`IFA'ÑO.
`JANB
`EMILY
`LLS
`FARGO. B.ANK
`CHARLÉON
`
`Record
`
`and
`
`Retutn
`
`Tpi
`
`.TITLE
`APITAL
`146
`ROUTE
`952
`DARKr. NT
`CLIÉ.TON
`
`12065
`
`éND· ABSTRACT
`
`-
`
`N1me (ork..
`bf
`:8‡Qtt.4
`tOtmTY
`,SMIATÒGa
`ÈM2
`£COftDzNG
`0F T·HB INSTRU2dENT
`
`CEERK
`
`Recording:
`
`Sheet
`
`Pages
`Gbver
`Recording
`Edudation
`Names
`33 Affidavit
`
`Fe.e
`
`Fet
`tee
`
`Atpount
`Tax
`Fasic
`Amount.
`SONYMA Tax
`CDTA Tax
`Amourit
`
`48.00
`10.00
`5.00
`20,00
`0.00
`5.00
`
`·0.00
`0.00
`0.00
`
`.
`.
`88.00
`****
`
`.
`
`fo,t-ai•
`
`.
`
`-OTI.CE:
`
`THIS
`
`IB NOT A BILL
`
`*****
`Serial
`.calc
`Mtg
`
`·Plo'rtgage
`#i
`Method:
`Amt:
`
`tax
`CX-·13243
`Exempt
`243000.00
`
`*****
`
`Basic
`SONYMA
`CDTA
`
`Total:
`
`·0.00
`.0.00
`0.00
`
`•é:.0.D.
`
`.
`
`.SSRVICt,$
`
`iNC
`
`13 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`I
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 12/15/2021
`
`Kap
`26utc1
`n8/658-0100
`
`.
`
`.
`
`.
`
`N
`
`.
`
`,
`
`1 0G5
`09
`
`2007007401
`2/22/2007 10;46:16 M
`HoltTGAGE
`.Kathleen 9 Marchlone Saratoga Co C1k
`
`FILED
`
`Stafë
`
`of.New
`
`Yòrk
`
`Inne For Recording.Datal.
`Space Above.This
`FhA·Case.No.
`ADJUSTABLE
`FtATE
`COÑVERSION
`HOME
`EQUITY
`THIS.MÒRTGAGE
`is given on
`Iristrument")
`("Security
`is -ÈILY
`JANE CALIPANO,, A SINdtE
`PERSÒN
`mortgagor
`
`NIORTGAGE
`
`I
`
`whose address la 712 SWAGGERTOWNROAD, SCOTIA,. NY
`
`12302
`
`Security
`
`thstruinent
`
`·is givep
`
`to.WELLS PAR O BANK, N.A.
`
`02/ó2707.
`
`The
`
`'
`
`("Borrower"h
`
`This
`
`of·THE ·UNITED STATES
`
`é×isting tthder
`
`the.iaws
`
`vvhich is organifedahd
`and whose address is
`60.
`;BOX 11701
`0/4ó14101
`NBWARK) .NJ
`Bor.rower
`(."Lénder").
`v¿hich kender
`has -agreed to r.epay to Lender amounts
`is ob!!goted to advancé,
`future
`including
`·advances,.under
`the terms of a .Hóme Equity Conversion
`dated the same date as
`LoansAgreement
`Instrument
`this Sec0tity
`The agreement
`by Barravve's
`("Loan Agreement").
`to.repay·is
`evidenced
`("Note").
`lñstiürñasi
`to
`Instrument
`Note dated the same date as this Security
`This Security
`secpres
`of
`Lender:.
`at a rate subject
`the repayment
`the debt evidenced
`by the Note, with
`Interest
`(a)
`extens1ons and med!fications
`and all
`to adjustment,
`the Noto,
`up to a maximum
`of
`renewals,
`principal amount of TWO "mmPED PORTY THREE TitOUSAND AND 00/100
`
`);· (b)·the paymenE·öf all oth-or sums, with interest,
`fÙ.S. $ n•••**=•••*243·,000..00
`advanced
`of
`due under
`Onder Paragraph 5 to protect-theesecurity
`Instr.uñ1ent or otherwise
`the
`this..Security
`covenants
`of Borr6vvar's
`Instrunient: Mid (c).:ths·perforrhance
`terrns of.this Security
`and agracmcata
`under
`and-:the Note..The.tull
`a nounts:··dentlbid'in
`Intúumaht
`.(al, (th,
`this"$ecurity
`detit,-se!éding
`. For· this
`on·AtJdUST..1fid,.
`'2016
`and . (6) above,
`·if not paid onrlief,
`is dud.and
`.payable
`to Lender, with power.·of
`.Borrower
`does.hereby W.ktgogs
`grant and cohvey
`the
`urpose,
`sale,
`York:·
`located in
`County,'New
`SARATOGA
`c"awi:ig
`described.property
`
`NMFL#8810NY (OMNY)Rev05/16/2006
`XD84:o2/02
`
`Page1
`
`14 of 245
`
`

`

`FILED: SARATOGA COUNTY CLERK 11/08/2021 11:13 AM
`NYSCEF DOC. NO. 67
`I
`
`INDEX NO. 20157
`.
`RECEIVED NYSCEF: 12/15/2021
`
`see attached
`
`which·has
`
`the address of
`
`712 SWAGGEÈTOWN·ROAD
`istreat}
`
`12302
`
`is
`all
`
`covenants
`for
`to constitute
`
`national
`and
`use
`a uniform secudty
`
`of, and
`
`SCOTIA, NY
`Icity, state. 21pl.
`("Property Address"l;;
`TÓGiftAER WITR all
`now or hereef.!er erected on the property.
`the imp-ovements
`and all
`All
`of
`now or hereafter
`the
`a part
`and fixtures
`property,
`rights,
`appürtcGaaces,
`6aserñents,
`re,placernerns and adelitionà·shall:alsd·be
`AIT of
`the foregoing
`!notrurñant.
`this Security
`is
`covered.by
`"Property."·
`in this Security
`referredto
`fnstromant·as·.the
`BORROWER COVENANTS:that
`Becis-wis
`.the -.estate hereby conyeyed
`soised of
`lawfully
`tp· yriortgage,
`the orfght
`and
`and
`the Property
`has
`grant
`.arid .convéy
`the Property
`that
`úñâ,icümbered.
`Sorrower
`warrants
`and will defend generally
`the title to the Piapany
`against
`to any encumbrances
`claims and demands,
`subject
`of record.
`THIS. SEGURIT'Y.
`IN$TROMENT
`combines
`uniform
`neanituün
`by jurisdiction
`variations
`with
`covenants
`limited
`covering real property.
`instrument
`UNIFORM COVENANTS.
`Borrower and Londer coyenant and agree as follows:
`of Principal
`shall pay when due the principal
`end Interest. Barrower
`1. Peyment
`the debt eviden.ced by the Note.
`interest·on,
`2. Payrñent:of Property Chiirges.·Borrower.shall
`charges consisting.of
`taxes,
`pay all.property
`flood and hazard insurance
`assessments
`in a timely manner,
`grop.nd rents,
`and·special
`p'remiums,
`of· pa.yrnent
`Lender
`·to Lender,
`charges.
`and shall
`provide. evidence
`unless
`pays
`by
`pr0perty
`rn·onthly paymerits
`due to·the Borrower or·by charging such p:yment:
`to a
`withholding..funds.1rom
`.line,of credi.t.as provided for·in the.Loan Agreement.
`.3.·Firè, Flodd anif Other
`.Hezard Insurënce.
`on the
`shall
`insure all·improvements
`.Borrower
`now in .existénce
`or subsetiuently
`cas.ualties,:and
`.whether
`erected, against any hazards,
`Próperty,
`to· the extent‡and
`·fire. This:ir)surance·shall:be
`lit
`the amóunts,
`maintained
`contingëricies,.including
`.of·
`.ènd Urban. Developrñent
`by 1énder
`for
`or
`the Secretary
`required
`the
`periods
`Housing
`,also insure: all
`.("Secretary"f.
`shall
`on the Property, Whether
`now in
`Borrower
`improvements
`foss by .1loods to the extent.required
`oxistence.or
`erécted,
`.against
`by the Secretary,
`subsequently
`insurârma shall be 'carried with companies
`All
`approved by Lender. The Insurance
`policies and any
`shall be held by Lender and shall
`include loss payable clauses in tavor of, and in a form
`renewals
`to, Lender,
`acceptable
`by mail. Londor may make
`shall give Londer
`loss, Borrower
`in the event of
`immedicts.notice
`foss if not made promptly
`by Borrower.
`of
`Each insurance
`concernsd
`is hereby
`proof
`company
`to· Borrower
`to make payment
`instead of
`end to
`for