FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 P
`NYSCI EF DOC. NO. 85
`NYSCEF DOC. NO. 85
`
`
`EX NO. 20157
`INDEX NO. 20157
`
`
` EIV.
`ED NYSCEF: 03/15/2022
`RECEIVED NYSCEF: 03/15/2022
`
`IND
`
`H
`EXHIBIT
`EXHIBIT H
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`- .'ssignsumma
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`15 19:o724 AM
`
`amusses
`squiess seumycars.
`
`.8UMMQNS
`
`ÄNIN NOTE.(cid:10)I0
`
`IndexNo.
`
`Date Piled:
`
`0)I THir$TA E
`SUPRE WE COUR
`cO1prry
`9P sARATOGA
`
`O NEt
`
`VOR1(
`
`tells
`
`Pâtgo Begis, N,A.,
`
`.
`. .
`.agal
`
`hot The United 8tates
`Emily Gallfbno s/4/a Émily June Cali
`and
`acting-tigou
`h The Stesetary ofHoDsing
`ofArnatica
`DOE", said neine being
`Urbam.Development,
`it being the intentionatPlaintiff
`to designate any
`actitions,
`bothsibreoleastl
`hensin, and
`and at cocopants ofpremises
`any parties, edÆpmtions or eittitlap,1tag
`having or
`an intomst ar lies upon the agrtgaged premises,
`claimiss
`Dud%nd ts.
`
`PROPERTY Å DDRES$1
`
`712 SwéggertownRoad,
`
`Sëotla, NY 12302
`
`TO THE.ABOVENAMED
`
`DEFENDANTS:
`
`YO.U.AR2
`
`8IllREB1r
`
`$UNMONED
`
`to.answer
`
`the complaintin
`
`thisaddonand
`
`16 seve
`
`a çopt of ó9er angwor, ora gatles of mppeareneuramtis anorneys·Ibr
`
`the Plaintlewithin
`
`thiaty.
`
`(30) days ofter thh·scryiceaf
`
`this sununctis. molusive of the gaygg,
`
`TtiaUnitAut Statpsaf
`
`.Amerlop,
`
`lf designated as:a defendant
`
`in this.setion,
`
`rIay.appl$ar within sixty (do) asps ofservice
`
`herent
`
`.In cassef your thilure to appear ar answer, judgment willbs
`
`taken agpinst you by
`
`defindttor
`
`the,selittdemanded
`
`in the complaint..
`
`NOTICE OF NATURE OW·ACTION ÁND RELIErsolfGaMHB
`
`OB.1ECT of
`
`¦s above captioned acpon1s to Anvulose aMome Equity CanversionMorqpige
`
`to sepure
`
`.5243/l00.00
`
`and in.terest, inteorded in the Saratoga Cetisty Charles Office ori P.cbmary 22, 2007;
`
`ininsaument
`
`Numbert 2007007461 cetating
`
`premises known as 712 swagganown.Road,
`
`d'cotia, Nò 123d2
`
`ï4.esses
`
`14-038653
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`__.__
`--
`RECEIVED NYSCEF: 03/15/2022
`
`a
`
`Šhe.relief
`
`sought
`
`inthe
`
`wilhin
`
`ac1pa
`
`is a final
`
`fudgment
`
`directing
`
`the asle of
`
`the premises
`
`described
`
`atiove
`
`to satisfy
`
`the debt
`
`secured
`
`by the Home
`
`Paulty
`
`Conversion
`
`Mortgage
`
`described
`
`above.
`
`.PlaintifÑcsignates
`
`Saratoga
`
`County
`
`as the place
`
`of
`
`trial.
`
`Venue
`
`is based
`
`upon
`
`the
`
`County
`
`in which
`
`the mortgaged;premises
`
`is situated.
`
`NOTICE
`YOU ARE IN DANGER
`OF LO$1NO.YOUR
`
`NOME
`
`AND COMPLAiNT
`SUMMONS
`TO TÑIS
`'lF YOU DO NOT RESPOND
`BY.
`FOR THE MORTGAGE
`A COPY OF THE ANSWER ON THE ATTORNEY
`.SERVING
`YOU AND
`WHO FILED
`PROCEBDING
`AGAINST
`THIS.FORECLOSURE
`.COMPANV
`JUD GMENT MAY BE
`A DEFAULT
`THE ANSWER WITH.THE
`COURT,
`FILING
`YOUR HOME.
`AND YOU CAN LOSE
`EN'stRED
`
`OR GO TO TU2 COURT WHERE
`TO AN ATTORNRY
`SPRAK
`ON BOW TO ANS.WER
`INFORMATION
`FOR RURTHER
`PENDING
`VOCR PROPERTY.
`AND PROT ECt
`
`YOUR CASE
`THE SUMMONS
`
`IS
`
`A PAYMENT
`SENDING
`FORECLOSURE
`ACTION.
`
`THIS
`
`TO YOUR MORTGA E
`
`COMPANY
`
`WILL.NOT
`
`STOP
`
`OF THE ANSWER ON THE
`.VOU MUSt
`A COPY
`BY SERVING
`RESPOND
`THE
`COMPAN(cid:2) AND FILING
`FÒR THE
`(MORTGAGE
`ATFORNEY
`PLAINTIFF
`THE COURT.
`ANSWER WITH
`
`Deted:
`
`Decernber31,
`
`2014
`
`Karl R Kolklann,
`Associate
`Attorney
`DICARO
`for Plaintiff
`
`Esq.
`
`& BARAK,
`
`LLC
`
`SHAP3RO,
`Attorneyá
`175 Mile
`RochesterEY
`247-9000
`(585)
`Our File No.
`
`Boulevard.
`Crossing
`14624
`
`14-038653
`
`i4-0386
`
`3
`
`...
`
`....
`
`....
`
`..
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`15 10:07:M AM
`
`INDˆX.NUMGtes
`Bernlege nosef Clerk
`
`SUPREMB
`OF THE STATE
`C0f.tRT
`COUNTY OF SA RATOOA
`
`OF NE W YORK
`
`Wells
`
`Fargo Saph,.N.A..
`
`PM
`
`20R8C3,0S1JK1
`
`MORTGAGE
`COMPLADIT
`
`Index No.
`
`.
`
`Emf.1y Jane Califana;
`calithno.alkie
`The Utsited Sixtes
`Eintly
`of Americq.aging
`through
`The Sectotary
`of Wousing
`áñd
`Utban Development,
`said narne bd!ng
`":l010tDOE",
`it being
`the Jptersion
`Plaintiff
`flotitious,
`to desigoats.any
`and all coqupants
`of poemises
`being forelosed
`hárein, mad
`EBy partlssp. Uprporatlans
`Of SD$1tle3,lf80y,·having
`or
`an interest
`pr
`IJen Upon #M mortgaged
`claiming
`premises,:
`Dothndama.
`
`The Plaintitrherein,
`
`by its Átrorneýs,.$hapiro,
`
`DICaro
`
`&.Barak,
`
`!.LC,.complaina
`
`of
`
`the
`
`defendams
`
`dbove nuted,
`
`an.d for
`
`Its causs of acdän,
`
`alleges
`
`that:
`
`Eingi
`
`The Plaintikherein,
`
`at all.1iates
`
`heieinaner
`
`meerioned
`
`was and still
`
`is a
`
`Auly authmized
`
`Natlopal
`
`Association
`
`aDd having
`
`an ofHee.cto3476
`
`Statericw
`
`Blvd, MAC#
`
`X760L.0
`
`D, Port Mill,
`
`South CatoTna
`
`29715..
`
`PLATNTIBF
`FURTRER
`UPON DIMRMATION
`
`ALLEGE5
`AND BELIEF
`Schedule W feside
`
`Semand:
`
`Thp dethndants
`
`tdt
`
`fbgthin
`
`at have a place of
`
`businéss
`
`st
`
`the-address
`
`set
`
`lbsth therein
`
`and are made defbndants
`
`in this actlon
`
`In the capacitfor
`
`therein
`
`anesed
`
`and for
`
`the purpose
`
`of
`
`foreclosing.and
`
`extingWishing.any
`
`other
`
`tight
`
`title or
`
`laterest
`
`said defendtats
`
`mqy have in the abjout
`
`pn1unises.
`
`14-cýø.s3
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`.Ihinl2
`
`The Vriltød.States
`
`of America,
`
`The People ofthe
`
`Stata ofNew
`
`York,
`
`The
`
`.State TarCommission..ofthe
`
`State ofNew
`
`Yorli,
`
`the Induñdel
`
`Commissioner
`
`of
`
`the State of
`
`New York
`
`and all other
`
`agencies
`
`ednstmmentalities
`
`ofthe
`
`Fedeml, State or
`
`local goverhment
`
`.(by whatever
`
`name desidpfated)
`
`lfmade
`
`parties
`
`to thiraction
`
`and ifappearing
`
`in Schedule
`
`"B",
`
`are maile
`
`parties
`
`solely
`
`by reasan.of
`
`the interest
`
`set forth
`
`in Schedule
`
`"B" and fbr no ether
`
`F,a,(gthi
`
`Heitfofbre,
`
`the defbndant(shamily
`
`Jane Califano,
`
`for
`
`thapurpose
`
`of
`
`securlDg
`
`fo Wells FergpBank,
`
`N.A...
`
`its sumedssors and assigns..duly
`
`made a certain.adjustible.
`
`or
`
`fixed
`
`ratenote
`
`(Heme
`
`Equity Conversion
`
`instrumdst)
`
`wherein
`
`shd whetsby
`
`they bound
`
`themselves,
`
`their heirs,.executors,
`
`adininistrators
`
`and assigns,
`
`and cach and every one af
`
`them,
`
`ointly
`
`and severally,
`
`in thç amoum of said sum of money,
`
`ali as mom fhily
`
`appears
`
`together
`
`with
`
`the terms ofrepayment
`
`of said sum or
`
`ri8hts of Wells
`
`Fargo Bank, N.A.,
`
`its successors
`
`and
`
`assigns,.in
`
`said bond. note:or
`
`other
`
`instrpment
`
`a copy ófwhich
`
`is attached
`
`hereto
`
`and made a
`
`part hereof.
`
`EBin
`
`As security.fbrthe
`
`paymens
`
`of said indebtedness,..a
`
`Home Egnity
`
`Conversion
`
`Mortgage
`
`was executed
`
`in the sum af S243,000.00,
`
`acknowledged
`
`and delivered
`
`to
`
`Wells
`
`Fargo Bank, N.A.
`
`recorded
`
`in the Saratoga County Clerk's OfItce
`
`ontebruary
`
`22,.20s.7,
`
`in
`
`Justrument.Number:
`
`2007007401,
`
`wherein
`
`and whemby
`
`ths mortgagor(s)
`
`named
`
`therein
`
`rnortgaged,
`
`bargained,
`
`granted
`
`an inforest
`
`in and/or
`
`sold to the mortgagte,
`
`its successors
`
`and
`
`.assigns,
`
`the pismises more particularly
`
`described
`
`therein,
`
`hereinafter
`
`celed."mortgaged
`
`premi.ses",
`
`under
`
`certain
`
`conditions
`
`with rights,
`
`duties.and
`
`pdylleges
`
`between
`
`or among
`
`them as
`
`mom Adly
`
`appears
`
`in said mortgage,
`
`a copó of which-is
`
`attaóhed
`
`liereto
`
`and made a part heteof.
`
`4.o38655
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`h
`
`Sj!dbs
`
`Herelofore,the
`
`defendant(s),
`
`Ethily
`
`Jane CaBfimo,
`
`also executed
`
`a Eome
`
`Equity Conversion
`
`Loap Agreement, mom commonly
`
`known
`
`as e "Reversektortgage
`
`Agreement";
`
`whichrequhed
`
`the lendar
`
`to pay the sums seend
`
`by the Home Eq.ulty (cid:10)bnversion
`
`McNgage
`
`on a pairlodic
`
`liasts,
`
`Instead ofin
`
`one lump
`
`sum st
`
`the time the loan documents
`
`were
`
`erecuted.
`
`The Home Ecinity Conversion
`
`Mortgage
`
`and Agreement
`
`provided
`
`that
`
`the Lendur may
`
`require
`
`imráediate
`
`payment
`
`in full of all sunis secured
`
`if Emily
`
`Jaite Califeno
`
`ceases to occupy
`
`the subject
`
`premises
`
`as her pringipal
`
`residence.
`
`In this case the 30 Day Repayment
`
`Demand
`
`fbr
`
`Non-Occupancy·was
`
`dat9(l sad math\1 Anjiust
`
`26, 2014.
`
`3.ey.ggdg:
`
`Th(cid:5) Plaintiffis
`
`the current
`
`owner
`
`and holder
`
`of
`
`the subject Home Equity
`
`Conversion
`
`Mongage
`
`and Note sad therefore
`
`bus. the authority
`
`to institute
`
`a mortgage
`
`foreclosure
`
`action.
`
`heEøme
`
`Equity
`
`Canyonion
`
`Mongage
`
`was duk
`
`recorded
`
`und the
`
`.ElsL4h¿
`
`mortgago
`
`tax due themon was duly paid un the reearded
`
`instmment
`
`in-the.proper
`
`County
`
`Clerk's
`
`Office-at
`
`the place and.time
`
`h(ch appear
`
`thereon.
`
`Althôugh
`
`PlaintifT
`
`advanced
`
`the.monies.required
`
`pursuant
`
`to the Home
`
`squity
`
`Convenion
`
`Loan:M.or.tgags.sñd
`
`Agreement,
`
`Emily
`
`).ane Califimo
`
`heathave
`
`fElled
`
`and
`
`neglected
`
`to comply
`
`with.the
`
`conditions
`
`of
`
`the Home
`
`áquity
`
`Conversion
`
`Mortgage,
`
`Agreement
`
`and note by omitting
`
`to either
`
`occapy
`
`the subject
`
`to comply witti
`and thtling
`pronitises ƒ fo pay the balance
`
`thè termsand
`
`provislans
`
`of
`
`the said instruments
`
`doe open expiration
`
`period
`
`of.actice
`
`9f default
`
`for non-occupaney.
`
`The default
`
`has continued
`
`boycmi
`
`the applicable
`
`grëce perio(cid:15) set.
`
`forth
`
`in theNote
`
`Home Equity
`
`C.onversion Mertgage.and
`
`Aignement
`
`and by reason thereof,
`
`Plaintiff
`
`has elected
`
`and hereby
`
`elects
`
`to declare
`
`immediately
`
`put end payable
`
`the eldfre unpaid
`
`balancq,.
`
`I.4438653
`
`...
`
`... .
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`LentlE
`
`By tesson
`
`of46
`
`foregoing,
`
`there is now due and owing
`
`to the plalntiff
`
`upon paid Ñotp, Home Equity Conversion
`
`Mgdgagp
`
`and Agreement,
`
`the unpaid
`
`principä2
`
`.balance
`
`serfotth.ih
`
`Schedule C, and such other
`
`fges, ests,.Is$6
`
`tharges,
`
`and interes4the
`
`amount
`
`of which will
`
`he detes$6rted
`
`by the Oolirt..
`
`Eleventh:
`
`its
`
`itome
`
`Bguity Convetston
`
`Mortgplge
`
`provides
`
`that,
`
`in the nase.of
`
`foreclosum,
`
`the mortgated
`
`premisps may be sold in one.p.arcel.
`
`Twelth:
`
`The Ptdintifr
`
`shall not be deemed
`
`to have waives
`
`altered, mleased
`
`or
`
`changed
`
`the eleetion.hereinbefbre
`
`made by reason of
`
`the paymait
`
`or p#rformance,tAer
`
`the date
`
`of
`
`the cominencement
`
`of
`
`this at:tion, (cid:9)f any or all of
`
`the defaults mentioned
`
`herding and such
`
`eleotlop
`
`shall qantinue
`
`and remain
`
`ofTecetve.untl1the.costs
`
`and disbusements
`
`ofthis
`
`sction,
`
`and -
`
`311 present
`
`and-future
`
`defaelts
`
`undpr
`
`the Note
`
`arid Home Equity ConversiortMortgage
`
`and
`
`discontinuance
`
`of
`
`paid and cuedd.
`
`Agnemerit
`
`and onourring
`
`prior
`
`tojhe
`
`this action
`
`am fhily
`
`ThirleenÈn.
`
`Pursuant
`
`to the Fair neht Collection
`
`Practices Acts
`
`this sction may be
`
`dienned
`
`to be an attempt
`
`to collect
`
`a debt, on behalf
`
`of Plaintiff,
`
`Any
`
`information
`
`obtained
`
`as.a
`
`seen11 ofthis
`
`acdon wl)I· be.nsed
`
`for
`
`thsit purpose,
`
`Fourteenth:
`
`1f
`
`the subject Mote and Homp Squity Conversign
`
`Mortgage
`
`fM1 within
`
`the
`
`prescribed
`
`definition
`
`ata
`
`a
`
`pritne
`
`home
`
`loan or high-cost
`
`home loan as identified
`
`under
`
`section
`
`lilx-L or six-m of
`
`the New York
`
`State Banking
`
`Law,
`
`then Plaintiff
`
`has cornglind
`
`with all
`
`the·
`
`provisions
`
`of section-five-hundred
`
`ninety-five
`
`of
`
`the New tork
`
`State Banking
`
`Law and any ruins
`
`and Tegulations
`
`promulgated
`
`therednder,
`
`section.six-l
`
`or six-m oÉthe New York
`
`State Banking
`
`Law and section
`
`thirteca
`
`hundmd
`
`four of New York State Real Pmporty
`
`Actions.end
`
`Pieceedings
`
`Law (ILPAPL),
`
`.
`
`14-o38653
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`Fifhienth:
`
`Upon
`
`infBnnatten
`
`andbelief,
`
`Plaintiff
`
`has complied
`
`with
`
`the provisions<of
`
`0Ù½PL
`
`§ 1306,ifspplkable.
`
`. WiEEREPÓRE,.plaintiff
`
`dinnands
`
`Judgment
`
`(ej
`
`Adjudging
`
`and decrocing
`
`the amounts
`
`due the pjalntiff
`
`for principel,
`
`interest,
`
`costs: and seasonable
`
`attomey's
`
`fees,ifand
`
`as provided
`
`for
`
`in the said mortgage;
`
`(b)
`
`Thât
`
`the defendaitts
`
`and all persons
`
`clalmingby,
`
`thrpegh.or
`
`underthem,
`
`or either
`
`..9r any of
`
`them subseciuent
`
`to the commencement
`
`of
`
`this.actionand
`
`every othtS pdtson
`
`or
`
`corporation
`
`whosq
`
`rIght,
`
`title convejfin06
`
`or ainumbrance
`
`is subsequéht
`
`tb or subsequently
`
`tecorded,
`
`may
`
`a barred
`
`and fbmirer
`
`foreolosed
`
`of all-right;
`
`claim;
`
`lien, dr
`
`Interest,
`
`or equity
`
`of
`
`reilomption
`
`in end.to
`
`said mortgaged
`
`pmnÈca
`
`or suclt part
`
`thereof
`
`as niay benscessary
`
`to
`
`(c)
`
`That
`
`the saidmongqged
`
`premises,
`
`relse the amounts
`
`then dup@r
`
`principal,
`
`htterest,
`
`costs,
`
`reasonable
`
`alterneyii
`
`thes, allowances-and
`
`di.sborsements,
`
`together withany
`
`sionles
`
`advanced
`
`and paid, may be decreed
`
`to be sold according
`
`to law;
`
`(d)
`
`That out of
`
`the monfet
`
`arising
`
`from ths.salp
`
`thereof,tho
`
`plaintiffmay
`
`be paid the
`
`amounts
`
`then due dn said bond/nott
`
`and Honic
`
`Equity Convemion
`
`Mortgggo
`
`and agreemem and
`
`any suin which may have been paid by.the
`
`plalritiff
`
`to protcol
`
`the lien of plaintiffs
`
`mortgage
`
`as
`
`herein
`
`set
`
`forth, with hitemstispon
`
`s(cid:1)ld atnounts
`
`from tite dates oftherespective
`
`paym.cnts
`
`and
`
`advances
`
`thereof,
`
`the costs and aspenres
`
`ofthis
`
`action,
`
`additlenst
`
`allowance,
`
`if any, and
`
`resonable
`
`attorney's
`
`fees,
`
`if and as provided
`
`fbr
`
`.in thesiodgagp,:rlder
`
`or other agreement.
`
`so for
`
`a the amou:It
`
`of such Jooney
`
`properly
`
`applicable
`
`tffereto will
`
`pay the same;
`
`1 -lis8653
`
`.i
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`sals;
`
`(s)
`
`(f)
`
`That
`
`either
`
`or any
`
`drthe
`
`parties
`
`to this
`
`action may
`
`become
`
`a psrdhaser
`
`upon
`
`Buch
`
`That
`
`this Court
`
`forthwith.appoint
`
`a neceiver
`
`of
`
`the rents
`
`and profits
`
`pf
`
`said
`
`premises
`
`with.the
`
`usual
`
`powers.and
`
`duties
`
`(g)
`
`.That
`
`the United
`
`5.tates
`
`of Ameñca
`
`shall
`
`have
`
`the
`
`right
`
`of
`
`redeniption,
`
`if
`
`applicable;
`
`(h)
`
`That
`
`the plaintiffmay
`
`have
`
`such
`
`4ther
`
`or
`
`farther
`
`mliefi
`
`pr both,
`
`in the premises
`
`as
`
`may
`
`bej.ust
`
`and equitable.
`
`Plainftiffspecifically
`
`reserves
`
`its right
`
`to share?m any
`
`surplus
`
`monies
`
`aris'mg
`
`frorn
`
`the
`
`sale
`
`of subject.premises
`
`by virtue
`
`of
`
`its position
`
`as a judgment
`
`or other
`
`lien
`
`oreditor
`
`exploding
`
`the
`
`mortgage
`
`being
`
`foreclosed
`
`herein.
`
`Dated:
`
`December
`
`31, 2014
`
`o
`
`, Esq.
`
`Kart
`E,
`Associate
`SHAPIROi
`Attomeys
`Boulevard
`175 Mile
`Crossing
`NY 14624
`Rochester,
`247-9000
`(585)
`Our File No.
`
`.
`
`14-0311653
`
`b
`
`Attorney
`DICARO
`for Plaintiff
`
`& BARAK,
`
`14-038653
`
`LLC
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`SCHEDULE
`
`A- DEFENDANTS
`
`DIEFBNDANTS
`
`C†PACITY
`
`..
`
`IIsilyCÿlflgin
`wiligetepwn
`712
`Scotia, NY 12302
`
`a/Jr/aˆmily
`Road
`
`Jana Canflat9
`
`"JOHNDOE"
`
`and original
`-Owngrof
`obligor
`record
`by the Mortgage:mearded
`secured
`.Nate
`Number;
`in Instrument
`12, 2007,
`February
`hands.
`Anselased
`.2007007401,.ksing
`
`under
`otr
`
`the
`
`beingÆe
`Said name being Retitious,.it
`any and all
`intention
`of Plaintiffto
`designate
`tenamis, persons
`orcorpostions,
`occupams,
`in or
`an interest
`er claiming
`any, having
`being foreclosed.herein,
`the premises
`uporí
`
`lien
`
`if
`
`O
`
`M-03B653
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`BCNEBULE
`
`B- DEFENDANTR
`
`DEPENDANTR
`
`iCA A0177
`
`States of Assrica
`The United
`acting
`and
`of Housing
`The Secretary
`through
`Urban Development
`Steet SW
`451 Seventh
`DC 20410
`Washington,
`
`.
`
`mortgagoo
`Subonlinjan
`teconf ed en February
`2007007402
`Nurnber
`
`of a Mortgage
`by vMuo
`in Instmment
`22, 2007
`of Mortgape.
`
`E
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`SCHBDULE
`
`(cid:11)
`
`MokTGAGE
`
`INFORMATION.
`
`h
`
`Amount
`1. Original
`HomeEquity
`
`of BdediNotti
`Convërslan
`
`Loàn Agrtemem
`
`2. Default
`
`date
`
`3, Prine|pal
`
`balance
`
`owing
`
`AMOUNT DUE
`
`.
`
`5243
`
`00.00
`
`July10,
`
`2014
`
`$110,026.00
`
`4.
`
`latenstsursuant
`
`to the terms ofthe Note
`
`To Be Calculated
`
`at Judgment
`
`5.
`
`interest
`
`Rate at
`
`tl;ne otpefaúlt
`
`DAtc:
`
`6. Advanced
`
`hy Plaintiff
`
`L.$9%
`
`to Be Calculated
`
`st
`
`judgment
`
`..
`
`.'
`continue
`/Mterest.94ll
`Agreensent
`conrk¤ct me,
`Clark's
`proper.Couny
`of9.00%.
`
`the
`Je acemis pursuent19
`errg
`atst> a JiaQgnaM ofForsclottee
`interan
`QQled, at ®Illeh
`statethe
`
`qf
`
`the note and Hamm Equity Conversion
`in the
`and Sale has been entered
`the tegal
`be calculated
`rate till
`pt
`
`rate
`
`14-038653
`
`g.
`
`..
`
`

`

`
`INDEX NO. 20157
`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`
`
`
`FILED:SARATOGACOUNTYCLERK03/15/2022 03:10 P INDEX NO. 20157
`LED: SARATOGA COUNTY CLERK 03
`
`NYSCEF DOC. NO. 85
`*
`a
`Tne ae serena tt®RECEIVEDNYSCEF: O3/715/2022
`
`NYSCEF DOC. NO. 85
`RECEIVED NYSCEF: 03/15/2022
`
`SCHEDULE
`
`D
`
`NONE:
`
`a
`
`h
`
`(14038621)
`
`b
`
`14-038653
`14-038553
`
`ee ee
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`seawevat'w.varse-nisewione
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`48.3
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`
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`
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`
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`
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`A. sequierit
`a Ated Queberr,39.
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`Ma w@fe,
`100 of Usuds· at Page 45,
`corded Dunsbe-r 29, His
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`
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`
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`
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`
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`
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`
`194
`
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`
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`
`'
`
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`
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`
`147'2
`
`393
`
`5340aor
`
`63g
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`." e stT"r
`
`I
`
`th1·e spum"rmrire! di uiva" mag·Waci-p,rd pisbþ"rn 4.a mm.deadvb)vage v(cid:23)(cid:11)irri"s 6
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`der et Getaber
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`he praetstems et
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`
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`
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`
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`
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`
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`
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`
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`
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`
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`
`65
`
`.
`snÿe&men
`
`Je4toosIah
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`.,.......
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
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`
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`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`n
`
`A a
`
`oilned In
`
`5 cl and 5 D) of dile Note ell beedme.
`
`imm
`bnMñosowed andmttids Note s Ed4s
`
`ny a as
`
`a
`
`to
`
`in
`
`be a se
`
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`
`as
`
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`
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`
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`
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`
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`
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`
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`
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`
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`
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`
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`
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`
`ng n
`
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`
`cih
`a trust d
`
`.
`
`In fu I
`
`pol estf ecened Interest. upon
`BortcWWfar readenn·mM than ilage and
`
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`
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`
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`
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`
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`
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`
`1
`
`0NBR P TO adCOND NOTE
`
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`
`1 A..mas
`
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`
`lhaludtd. In the tin t due under tNs Note undgge:
`is.am..,m.-m.den,
`
`313AsM47
`
`Pagea
`
`n
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`.
`..
`.
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`...
`...--
`.......
`.. -
`RECEIVED NYSCEF: 03/15/2022
`
`us
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`-musmwan.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
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`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`b
`
`.e
`
`museat
`
`insates m
`
`N
`
`088
`
`Ant
`
`gÆne No
`
`serø sacnteen ce cit
`
`PtLge
`
`5geseWipse
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`
`ahis lifne A No
`FMA Gd.ae
`ADJUST
`ABLE
`HOME MWrrY
`CONVERSION
`is given on
`TH>S.hg0ATBA0II
`("Seavrity.idstrument")
`a s:rints
`ngs mass
`stasÆn
`mortogorIn
`qMzrano,
`
`MORTG$QE.
`
`o2/62Pe7·,
`
`The
`
`whose address Is .712 3WASSESTONII RORD, 5002.34,. WE .53302
`
`I
`
`.Sdtingrity Instndpertt
`
`·Is givan
`
`td.Utt.3ir
`
`PARGO BAME, NaA..
`
`rBorrower9s
`
`Thla
`
`.
`
`'gaxxne
`
`rarms
`
`alider
`
`tflu laws ortus
`
`ƒhich
`aDd titievet
`a
`sals
`end whose
`5/.30. '80E
`me.
`osadh4fat
`Inneari
`lindoser
`PL&ndhi"),
`obfmasad to edweilub,
`handshe
`,ic F.apsy 10 Leader éngunts
`furvro
`which
`has"speed
`IncIdding
`Converdlpn
`the eqtme'of
`a Sibrae $quit
`.·advaifees, ender
`Logn·Ãµeiment
`dete@ the same Østr as
`reement*
`. The abrudment
`la
`Instrumerit
`this Secedly
`Phoen
`Idenced ity Boupwar's
`to"repay
`go
`("Nege"4, This Security·lnstminantseepres
`Ivo.te dated the sems date es this
`liistrumpst
`certy
`of
`401th interest
`at a rate aUbject
`Lqrtierr.
`the repayment
`the·4abt
`by .the Note.
`evidenced
`(a|
`.up to a maximurn
`reusewell, mationatens and modificationgr
`the Note,
`.of
`to adjustme6t,
`and sir
`psinclosl amount·of
`FORT E TERE5 THOUSMID 3 ID 90/to
`TWe summ59
`
`"
`
`)UIbythe
`of
`the secydtr
`
`paymenf.4f
`with inteirest, advanced
`all other·suma,
`"*me"F2%000.150
`. 4
`.
`I
`this. security
`.thm
`or ·otherwism due unds
`raith 5 to protec!
`Instrument
`Onder Po
`iªe"MUL*,9**R'Mo
`l|!R785%
`'.*,||(cid:144)(cid:11) 25,.*M',¼%."470"A0e
`not' pairl anr$e.4 la due and giby.sble omit3dbst..1
`, For·
`-20f6
`this
`,
`45
`sad.lo)
`'s.bové,
`·
`to Loneer, with pÿv/er
`of sals,
`lind convey
`.8ornower dess.hereby
`:.the
`agog yang
`igurpons,
`CousyCNew
`Yorkr
`logisted n SARAhtsm
`fanowhillUsedifbed
`groperty
`
`Nupt pastoNT inrdts1)Iãw OEit$nices
`ans4 ioama
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`.
`Pses :
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`pee shtes$ed
`
`whigi1thes
`
`the address.cf
`
`1230s
`
`z
`
`712 8wneGEÈE0181.208R.
`Ipnunti
`
`inr·
`coera,
`I;·
`sta
`IM.
`Addrets"):
`f"Eropertý
`, TÒ0Et@lER Wrr(cid:25) é.IL the i‚ememg
`not
`or
`now- or
`fistures
`.he
`tessments,
`rights,
`rterianpgg,
`cements end
`lena shall alsd
`a caver-ed by $his $ecurity
`trudge in th
`·ma.the "It
`rfty Ustchin
`Inactmer
`CO
`gi
`salad
`of she.estate
`wfully
`hemby gon!roved
`sp" Joertgage,.
`has
`and
`vight
`.prid .corW'óy the Propprly
`.the Property
`arid
`grant
`11tat
`M
`Barrower
`unedoumbereds
`shd aplil defend ednerally
`the.
`IF0e to th.a Ptmierty
`all
`agalest
`claims and·demands,
`of
`record.
`mbranets
`THIS, SIfGUR
`ENT ..cornhines
`uniform .covånants
`for
`-nationel
`hon-uniform
`advenants
`by.indediction
`variations
`to cansdtute
`a anifernt
`
`on th
`ef ÿiected
`a paït
`-af
`AR'of
`strument.
`
`th
`
`, arid all
`, AII
`regó1ng la
`
`87
`h Ilrntted
`
`and
`uss
`souprity
`
`.
`"
`
`Pro
`co
`
`.
`
`s.ha ,
`
`1he Borrower
`erit.
`
`$ Èilurewgrand
`lbender gqgimbrit:and
`'ligree as ftillb€5:
`t of
`ncipal end Interest. Sorfower
`'I..R.
`shaill pay when d is the principal
`irtterest on,
`bt
`t
`by the Note.
`L Payt ent4f
`pay all property
`repetty GRilrges.'sorrower.ahan
`charges consistire
`of
`t$xes,
`se<al assessments h t
`ground rents,
`flood
`aId hazorÆ Insurance
`tim
`ums,
`manner,
`und shall
`y ·qhergsa.
`anar
`provide
`Lander
`e
`spyrnept
`pays
`by
`to a'
`withholdi
`s
`man
`erns dais
`su
`payments
`er"by sharplq
`Ina,of cr
`as
`in A
`A fir4,
`-
`sltr Improvements
`Fledd
`.HenaNI
`Borr9Wor
`shill1hpure
`on 1
`y, metector
`cow in.elds
`hoe cr.subseq
`erecto
`, '.5
`any hezards,
`'
`n inc
`Inclùtlir
`. fire.
`e 4mkunt
`suranne·sh
`to-1 a extent
`ma
`and
`ibsn'
`or or'
`de re
`the So ripugry at Neusing
`Osvelopment
`, Be
`4
`in pre all
`erits
`rty, Whether
`·on .the
`now .in
`ediatence,er
`sob
`to the extent
`flbod
`t foss b
`the Secretary.
`.. aty
`uired
`.AN insuresco
`she
`be carded with compan.Its
`y Lendar. The
`'apÿroved
`clas and gny
`urahee p
`shat be hdNf by 1,ander anti sha(cid:27) Iricleda losa payable c puses IUi favor of, end In. a form
`smewals
`acceptable
`to, Lehdes.
`.
`.
`.
`.
`in the·avent-of
`shsil give Leader.immediate
`loss, B9rrower
`proof
`o.f
`loss if met eneds ·pronsptly
`by Barrower
`Each insuranga
`and· direpted
`ëuthorized
`to make psym nt
`fer such loss (c Londor
`I,erider Jointly.insuranta
`be epplied to
`onesdashall
`n·gr
`the re.storadon ·or r,@ J!· ecorlemically
`if
`fematue and
`Adar's
`restoredon
`or
`not
`repair
`fossibW or
`economically
`
`of,
`
`.imd
`
`i.tative by .rrfail, 1.snder hiny make
`poncerned
`is herepg
`company
`:1
`ed ano·Borrower
`end to
`e.the ilam ted Propesty,
`re
`mened.
`is not
`If
`setudry
`(Na
`.Larkler°s
`secu
`muid
`.be
`
`agNA: 02702
`
`Fmfe2
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 85
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`a
`Indebfedness·under
`tr and then to the
`ny exce
`inamenos
`under
`the No
`. and this
`
`of
`transfer
`of Borrower
`
`to the
`title
`in and to
`
`preceeds' sh
`the Insuranie
`lessened.
`tle appNed litat
`io the reducdon
`of .a
`anis #econd SecurItr
`Second-Note
`Instrurham halll
`8ecretary.on
`11ts
`and ·
`enducti6rfof
`the indebtedness
`under
`thel@ts
`curity Jhatrumes.
`over. en smobnt
`proceede
`d to
`su outst
`Ing indabtedness
`Instrument
`a
`Security
`ite 1he
`y legagy antitled theñite.
`In the event
`eure
`or other
`Instrument
`Sea.orky
`that
`had the indebeadhess..
`gittirag
`qA tight.
`Property
`title and
`interest
`Insuclince polibit$
`In forch shellitans
`to the purchg.ser..
`Maintenprica'
`4.
`fr.estriation.
`icup,dney,
`altd Protestlan, of
`the Property:"|Istrowe‘$
`hoon
`1.aaseholds.
`AgpHeation:
`'8ongwar
`p.halt occupy,
`and use the Property
`enfablish,
`es Sorrower's
`.pnacipel.feside
`#ter
`flis siracudon
`of ·thill Set
`and Borrower
`lpstrument,
`(or st
`icest one
`· inòre san
`.Borrower,19
`in
`one pereda arg
`retahaft
`to1pa
`tifs Property
`spapne
`so
`ledldence"
`Bonowere
`ce rer
`the term of
`the
`"Princi
`curfry instrument.
`shpil
`as irr the Loan Agreement,
`have.ths.seme-mooding
`.
`Jierrower
`ofuell nothcomm5 weste
`or
`damage or sunstantisily
`ilestray,
`ehenge the Bropertp
`or allow the Prmlperty
`deterioraits. magonable west and test esteepted. Borrower
`sheN also bq in
`if
`default
`falso - or
`loan smalloation
`no the
`Ilorre(cid:129)er.
`gae
`process,
`Insccurate
`ineterially
`informafien
`to s
`16 1.ender
`lor ·felled to provide tander wfth
`any metedat
`iriftprinstion)
`sonrico
`on .with the
`gen evidensed
`by the Moto(
`ilmi
`but not
`includingi
`to,
`reprqsenf8ticirts
`occupancy:
`tonearnin
`. Ostrowers
`of
`as a princ5el
`If
`resitlerica.
`this
`Property
`.Becurity
`.8orrower'
`Instrum
`is on a leasshold.
`I coropIy with the provislóris
`of. the lease, H Barrower
`to tho· Property,
`the.
`fee title
`shsR .net. be .mergetl· assiless.isender
`attlulres
`asehold and fee ti0s
`ágrees to the therner
`In writing..
`6. Charges to Bonowdr
`of Landers Ngh
`end Preteodon
`In the Property,, Sorro.wer
`shaG
`pay alf governsdental
`or
`fines end impoaltion4
`arges,
`t are.net meluded in Paragraph
`2cBorrower
`shala pay those
`as ori
`tishe direedy to the en
`which le owed the povrnent--II
`fellure
`to pay would
`ct 14.nder's interest
`adversal
`in the
`apsitty.. uptfn
`Leaders
`regeest
`Borrower
`to Lander
`shall pressetly
`receipts
`themur payrnentes
`A.
`Borrower
`evidóracing
`s.hall
`triecharga
`over.
`ppompdy
`lion
`which
`has
`ihis
`.psiority
`any
`Secudty
`in the manner provided
`Instrumeist
`in Perpgraph
`f2(cf.
`If Bombwer
`.
`falls to inolts thgtse payrnants or the property
`chargesvaguired
`by Partbraph
`2,
`or falls
`to
`Any other
`stispenantil and adreententé
`contelned
`le this Security
`or
`Instrum.ent.
`st p.roopeding.
`there 1s a
`that metr sighiflumndy
`affect
`Loriders
`in the Property
`rights
`(such as e
`coed
`p
`for·oondemnation
`cr to eri.fÿrce laws or
`regulations
`, ther> I.snder may do
`bankrGptcy,
`the Proper.ty· astr
`1md pay. whdtever
`int protect
`the vales. of
`1s necessary
`·enders
`rights
`in thé.
`yment of
`taxes.hazard
`Insurance and other
`items mentioned
`In Paragraph 2
`Property,,lhetuding
`. To· protect
`Irt the Property, Lander
`dgrs
`.,
`ilbeN advance
`end charge to Borrower.
`áscurity
`an am6ems
`due ts the Secretary
`for
`the blertgage
`Irisurance
`Premlurn
`es defined
`in the LoarE
`Agnesment as well as mNsWns due to the lasp servicar
`for servicing
`ectivities.ss.defined
`in the l!o2n
`Agreement. An9 amourtis
`disbursed by Lender ender
`this Peregraph shall
`en addbleneFdebt
`liecpme
`of : Borrower
`for
`Loan Agreement
`as .provided
`in .the
`and :sihe.5 be escured
`this
`by
`samerity
`Instrument.
`Lander or Its agent may emer on,
`6.
`Inspection.
`inspect or make sp
`sisals of
`the Property:
`In a reasonable manner and at reasonable thnes prpetded that Lander shbil g vaina Borrower molice
`a sopsaisal specifying
`print
`to any laspection
`a purpose f.or the Inspee9on
`or eppraisal whkth must
`be related 'to Isrider's
`If
`in the Property.
`interesf
`the property
`is wetant or abandencil
`or the tosh Is
`in default. Landar may take feesonable
`