CLERK
`COUNTY
`SUFFOLK
`FILED
`: 32
`08 /07
`05
`/2018
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF SUFFOLK
`
`OF NEW YORK
`
`U.S. BANK NATIONAL
`AS
`ASSOCIATION
`UNDERWRITING
`FOR SPECIALTY
`TRUSTEE
`AND RESIDENTIAL
`FINANCE
`TRUST
`MORTGAGE
`LOAN ASSET-BACKED
`SERIES
`CERTIFICATES
`
`2007-BC1,
`
`CERTIFICATE
`
`OF MERIT
`
`Plaintiff,
`
`INDEX
`
`NO.
`
`vs.
`FOR THE
`AS ADMINISTRATOR
`NERIMAN
`KOC,
`KOC; DANE DEWAR;
`OF DURSUN
`ESTATE
`NEW YORK STATE
`DEPARTMENT
`OF
`AND FINANCE;
`UNITED
`STATES
`TAXATION
`-
`OF AMERICA
`INTERNAL
`REVENUE
`
`SERVICE,
`
`DOE
`"JOHN
`last
`twelve
`names
`persons
`
`#1"
`
`the
`
`occupants,
`or
`
`claiming
`described
`
`Defendant(s).
`
`plaintiff,
`tenants,
`
`having
`premises,
`
`through
`
`"JOHN
`fictitious
`being
`or parties
`persons
`or
`an
`interest
`in the
`
`corporations,
`in
`or
`lien
`
`complaint,
`
`DOE
`unknown
`and
`intended
`
`#12,"
`
`the
`to
`the
`being
`if any,
`upon
`the
`
`1.
`
`I am an attorney
`
`duly
`
`licensed
`
`to practice
`
`in the
`
`state
`
`of New York
`
`and am affiliated
`
`with
`
`the
`
`law firm
`
`of RAS BORISKIN,
`
`LLC,
`
`the
`
`attorneys
`
`for
`
`the
`
`above-named
`
`plaintiff.
`
`2.
`
`I communicated
`
`with
`
`ANDRE
`
`DICKSON,
`
`a DOCUMENT
`
`EXECUTION
`
`ASSOCIATE
`
`of plaintiff
`
`or plaintiffs
`
`servicer,
`
`who
`
`informed
`
`me that
`
`she personally
`
`reviewed
`
`factual
`
`accuracy.
`
`plaintiffs
`
`documents
`
`and
`
`records
`
`relating
`
`to this
`
`case
`
`for
`
`3.
`
`Based
`
`upon my
`
`communication
`
`with
`
`plaintiffs
`
`reprcscñtative,
`
`as well
`
`as upon my
`
`own
`
`inspection
`
`of
`
`the
`
`documents
`
`and
`
`other
`
`diligent
`
`inquiry,
`
`I certify
`
`that
`
`to the best
`
`of
`
`my knowledge,
`
`information
`
`and
`
`belief,
`
`there
`
`exists
`
`a reasonable
`
`basis
`
`for
`
`the
`
`commencement
`
`of a mortgage
`
`foreclosure
`
`action
`
`and
`
`that
`
`plaintiff
`
`or
`
`its nomince
`
`is
`
`entitled
`
`to enforce
`
`its
`
`rights
`
`under
`
`the
`
`loan
`
`documents
`
`in accordance
`
`with
`
`applicable
`
`law.
`
`1111lll11111111IHII1111A1111111A
`- StG
`18-187691
`
`IIIlllIIIIIIIIIIAllilllllIIIIIlllllAlli
`
`11111111111111111111111
`
`1 of
`
`49
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`08/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`4.
`
`All
`
`of
`
`the
`
`relevant
`
`documents,
`
`all
`
`of which
`
`have
`
`been
`
`reviewed
`
`by me,
`
`are attached
`
`to
`
`this Certificate
`
`of Merit.
`
`Dated:
`
`Westbury,
`
`New York
`
`BY:
`
`[
`[
`[
`
`, _ ,
`] S
`BORISKIN,
`] ANTHONY
`] ANNETTE
`Q ALECIA
`
`n f
`
`ESQ.
`
`CELLUCCI,
`SHACHTER,
`C. DANIEL,
`
`ESQ.
`ESQ.
`ESQ.
`
`18-187691
`
`- StG
`
`2
`
`of
`
`49
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`05:32
`08 / 07/2018
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`615 4 6 6 /2 0 18
`INDEX
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`MIN :
`
`ADJUSTABLE
`(UBOR
`
`Index
`
`RATE
`- Rate
`
`Loan
`NOTE
`Caps)
`
`Number
`
`:
`
`MY INTEREST
`THIS NOTE
`PROVISIONS
`CONTAINS
`FOR CHANGESIN
`ALLOWING
`AND MY MONTHLY
`AMOUNT MY
`RATE
`THIS
`PAYMENT.
`NOTE
`LIMITS
`THE
`AT ANY ONE TIME
`CAN CHANGE
`AND THE MAXIMUM
`INTEREST
`RATE
`RATE
`I
`MUST
`PAY.
`
`OCTOBER
`
`2006
`
`6,
`IDatel
`
`(Cityl
`
`[Statel
`
`162
`
`KINGS
`
`PARK
`
`ROAD,
`
`COMMACK,
`[Property Address]
`
`NEW YORK
`
`11725
`
`1.
`
`I
`
`TO PAY
`BORROWER'S
`PROMISE
`In return
`for a loan-that
`I have received,
`to pay U.S. $ 435,
`jiromise
`00
`200.
`called "Principal"),
`to the order of
`plus interest.
`the Leader.
`The Lender
`is COLUMBIA
`. LLC
`. CO.
`DBA
`BROKERS
`FUN DING
`SERVICES,
`I will make all payments
`this Note in the form of cash, check or money
`under
`order.
`I üñderstand
`that
`the Leader may transfer
`this Note.
`The Lender
`or anyone who takes this Note by transfer
`this Note is called the "Note Holder."
`and who is entided
`to receive
`payments
`under
`
`(this amount
`LOANS,
`
`HOME
`
`is
`
`.
`
`2.
`
`INTEREST
`Interest will be charged on unpaid principal
`until
`rate of
`at a yearly
`%.
`8 . 400
`The interest
`Note.
`
`the full amount of Principal
`has been paid.
`pay interest
`Iwill
`rate I will
`this
`pay may change in accordance with Section 4 of
`
`rate required
`The in(crest
`described
`any default
`in Section
`
`by this Section 2 and Section 4 of
`this Note.
`7(B) of
`
`this Noteis
`
`the rateIwillpay
`
`bothbefore
`
`and after
`
`3.
`
`**
`
`Balloon
`
`Addendum
`
`To Adjustable
`
`Rate
`
`Note
`
`PAYMENTS
`attached
`See
`and Place of Payments
`(A) Time
`I will
`a payment
`pay principal
`and interest
`every month.
`by making
`on DECEMBER
`I will make my monthly
`on the
`day of each month
`payments
`1
`1st
`beginning
`and any other
`the principal
`I have paid all of
`2O O 6
`I will make these payments
`and interest
`every month until
`.
`be applied
`as of
`its scheduled
`payment will
`charges described
`below that
`I may owe under
`this Note.
`Each monthly
`due date and will be applied
`owe
`NOVEMBER
`If, on
`, Istill
`to interest
`before Principal.
`2036
`1,
`Date."
`is called the "Maturity
`in full on that date, which
`I will
`pay those amounts
`amounts
`under
`this Note,
`payments
`I will make my mont':!y
`at
`400
`COLUMBUS
`AVENUE,
`VALHALLA,
`10595
`
`,
`
`NEW YORK
`
`Payments
`Monthly
`be in the amount
`payments will
`
`of My Initial
`(B) Amount
`Each of my initial monthly
`amount may change.
`Payment
`Changes
`(C) Monthly
`payment will
`reflect
`in my recathly
`Changes
`I must pay.
`The Note Holder
`will
`determine
`that
`4 of
`in accordance with Section
`payment
`this Note.
`
`or at a different
`
`place if
`
`required
`
`by the Note Holder.
`
`of U.S.
`
`$ 3,
`
`157.
`
`36
`
`. This
`
`of my loan and in the interest
`changes in the unpaid principal
`rate
`rate and the changed
`amount
`my new interest
`of my monthly
`
`RATE NOTE (Nonassumable Fixed)
`MULTISTATE/FlXED/ADJUSTABLE
`Single Family--Freddie Mac MODIFIED INSTRUMENT
`Form 3590 1/01
`Page 1 of 5
`
`DocMagh:éRimros
`
`annsas•-"-
`
`Js3590.not
`
`3
`
`of
`
`4 9
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`08/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`66/2(
`6154
`INDEX
`8
`NO.
`INDEX NO. 615466/2018
`08/07/2(
`RECEIVED
`NYSCEF:
`8
`RECEIVED NYSCEF: 06/05/2019
`
`4.
`
`AND MONTHLY
`
`PAYMENT
`
`CHANGES
`
`is based upon comparable
`
`INTEREST
`RATE
`(A) Change Dates
`The interest
`rate I will
`pay may change on the
`1s t
`day of NOVEMBER,
`, and
`2009
`rate could change ls called a "Change Date."
`on that day every sixth month thereafter.
`Each date on which my interest
`(B) The Index
`The "Index"
`with the first Change Date, my interest
`rate will be hased on an Index.
`is the average
`Ecghming
`interbank
`of
`offered
`rates for six-month
`U.S.
`dollar-denominated
`deposits
`in the London market
`as
`("LIBOR"),
`in The Wall Street Journal.
`published
`The most
`recent
`Index figure avanatia
`as of
`the first business day of
`the month
`Index."
`in which
`the month
`the Change Date occurs
`is called the "Current
`immediaiety
`preceding
`.If
`the Note Holder will
`the Index
`is no longer
`choose a new index
`that
`available,
`information.
`The Note Holder will
`give me notice of
`this choice.
`of Changes
`(C) Calculation
`Before
`AND
`cach Change Date,
`the Note Holder will
`SIX
`rate by adding
`calculate my new interest
`00
`percentage
`6. 000
`/10
`points
`000
`to the Current
`The Note
`Index.
`(
`%)
`Holder will
`then round the result of
`this addihn
`to the nearest one-eighth
`of one percentage
`Subject
`point
`(0.125%).
`to the limits
`stated in Section
`this rounded
`amount will
`be my new interest
`rate until
`the next Change
`4(D) below,
`Date.
`
`then determine
`The Note Holder will
`be sufficient
`the amount of
`to repay the
`that would
`payment
`the monthly
`principal
`that
`I am expected
`unpaid
`Date at my new interest
`to owe at the Change Date in full on the Maturity
`rate
`in =bst=tially
`equal paym=e.
`The result of
`this calculation
`be the new amount
`of my monthly
`payment.
`will
`(D) Limits
`Rate Changes
`on Interest
`rate I am required
`The interest
`to pay at
`or less than
`6. 000
`%.
`Thereafter,
`Change Date by more than
`ONE
`000
`AND
`from the rate of
`1. 0 0 0 %)
`interest
`(
`will never be greater
`14 . 4 00 %.
`than
`
`not be greater
`the first Change Date will
`never be increased
`rate will
`my interest
`/1000
`I have been paying for
`
`4 00 %
`11.
`than
`or decreased
`on any single
`percentage
`point
`.
`rate
`six months. My interest
`
`the preceding
`
`(E) Effective
`Date of Changes
`rate will
`become effective
`My new interest
`on the first monthly
`paymera beghming
`payment
`changes again.
`of Changes
`(F) Notice
`or mail
`The Note Holder will
`rate and the amount of my
`to me a notice of any changes in my interest
`deliver
`required
`date of any change.
`The notice will
`information
`by law to be
`payment
`before the effective
`include
`monthly
`answer any question
`I may have reg=iing
`number
`of a person who will
`given to me and also the title and telephase
`the notice.
`
`pay the amount
`of my new monthly
`payment
`the amount of my==:hly
`
`on each Change Date.
`I will
`the Change Date until
`date after
`
`5.
`
`**
`TO PREPAY
`Addendum.
`attacheci
`Note
`Prepayment
`See
`BORROWER'S
`RIGHT
`of Principal
`at any time before they are due. A·payment
`I have the right
`to make paymeras
`of Principal
`only
`is known as a "Prepayment."
`I am doing so.
`I will
`that
`the Note Holder
`in writing
`tell
`When I make a i'repayment,
`the Note.
`due under
`if
`I have not made all
`I may not designate
`as a Prepayment
`the monthly
`payments
`a payment
`The Note Holder
`I may make a full Prepayment
`or partial Prepayments without
`paying any Prepayment
`charge.
`the Note Holder
`I owe under
`this Note.
`that
`of Principal
`to reduce the amount
`use my Prepayments
`will
`However,
`and unpaid
`interest
`on the Prepayment
`amount
`before
`may apply my Prepayment
`to the accrued
`applying my
`be no changes in
`there will
`Prepayment
`to reduce the Principal
`the Note.
`I make a partial Prepayman:,
`of
`amount
`If
`My partial
`the Note Holder
`unless
`the due dates of my monthly
`to those changes.
`agrees in writing
`payments
`my partial
`payments
`after
`the first Change Date following
`of my :=onthly
`Prepayment
`reduce
`the amount
`may
`rate increase.
`due to my partial Prapaymêñ: may be offset by an interest
`any reduction
`Prepayment.
`HGwever,
`
`RATE NOTE (Nonassumable Fixed)
`MULT1STATE/FIXED/ADJUSTABLE
`Single Family--Freddie Mac MOD1FIED INSTRUMENT
`Form 3590 1/01
`Page 2 of 5
`
`soS649-u62
`DocMegh:€Risum
`www.docmagic.com
`
`4
`
`of
`
`4 9
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`08/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6 6 / 2 0 18
`6154
`INDEX
`NO .
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`6.
`
`CHARGES
`LOAN
`If a law, which
`to this loan and which
`applies
`sets maximum loan charges,
`so that
`is finally
`the
`interpreted
`or other
`loan charges
`interest
`collected
`or
`to be collected
`with
`this loan exceed the permitted
`in connection
`limits,
`then:
`(a) any such loan charge shall be reduced
`by the amount necessary
`to reduce the charge to the permitted
`limit;
`and (b) any sums already
`collected
`from me which
`The Note
`exceeded
`permittsd
`limits will
`be refunded
`to me.
`Holder may choose to make this refund by reducing
`the Principal
`I owe under
`this Note or by making
`a direct payment
`to me.
`If a refund
`reduces Principal,
`the reductica
`will
`be treated as a partial Prepayment.
`
`7.
`
`above,
`
`TO PAY AS REQUIRED
`FAILURE
`BORROWER'S
`for Ovenlue
`(A) Late Charges
`Payments
`If
`has not
`the Note Holder
`received
`the full amount
`payment
`15
`by the end of
`of any monthly
`calendar
`days after
`the date it
`I will
`is due,
`pay a late charge to the Note Holder.
`of
`the charge will
`The amount
`be
`% of my overdue
`2 . 000
`payment
`of principal
`and interest.
`I will
`pay this late charge promptly
`but only
`once on cach la to payment.
`(B) Default
`If
`I do not pay the full amount
`of Default
`(C) Notice
`If
`I am in default,
`the Note Holder may send me a written
`I do not pay the overdue
`if
`notice telling me that
`amount by a certain date,
`the Note Holder may require me to pay immadiate.ly
`the full amount
`of Principal
`which has
`not been paid and all
`the interest
`I owe on that amount.
`that
`That date must be at least 30 days after
`the date on which
`the notice is mailed
`to me or delivered
`by other means.
`by Note Holder
`(D) No Waiver
`Even if, at a time I am in default,
`the Note Holder
`require me to pay immediately
`does not
`the Note Holder will
`still have the right
`to do so if
`time.
`I am in default
`at a later
`of Note Holder's
`(E) Payment
`Costs and Expenses
`If
`the Note Holder
`has required me to pay in full as described
`the Note Holder will
`above,
`;r'·''-'t=t
`be paid back by me.for
`all of
`its costs and expe»ses in enforcing
`this Note to the extent not
`attorneys'
`law.
`Those expenses
`for example,
`reasonable
`fees.
`include,
`
`of each monthly
`
`payment
`
`on the date it
`
`is due,
`
`I will
`
`be in default.
`
`in full as described
`
`have the right
`by applicable
`
`to
`
`8.
`
`OF NOTICES
`GIVING
`Unless applicable
`a different method,
`law requires
`this Note will be
`any notice that must be given to me under
`above or at a different
`given by delivering
`it by first class mail
`address
`Address
`it or by mailing
`to me at the Property
`a notice of my different
`address.
`if
`I give the Note Holder
`this Note will
`Any notice that must be given to the Note Holder
`be given by delivering
`under
`3(A) above or at a different
`class mail
`to the Note Holder
`it by first
`at
`the address stated in Section
`given a notice of
`that different
`address.
`
`it or by mailing
`I am
`address it
`
`9.
`
`UNDER THIS
`OF PERSONS
`NOTE
`OBLIGATIONS
`to keep ali of
`the
`obligated
`If more
`than one person
`and personally
`is fully
`this Note,
`signs
`each person
`person who is a guarantor,
`owed.
`the promisc
`to pay the full amount
`promises made in this Note,
`Any
`indneng
`these abligaticñ3,
`Any person who takes over
`or endorser
`this Note is also obligated
`to do these things.
`of
`surety
`to keep all of
`the promises
`surety or endorser
`of a guarantor,
`is also abligated
`the obligations
`of
`this Note,
`including
`this Note against each person ind'-dd::1!y
`The Note Holder may enforce
`or against
`made in this Note.
`its rights under
`this Note.
`owed under
`This means that any one of us may be required
`the •me".ats
`to pay all of
`all of us together.
`
`10.
`
`WAlVERS
`this Note waive
`under
`of Presentm=nt
`the rights
`I and any other person who has obligations
`"Presentmeñt"
`payment
`of ameents
`the Note Holder
`to demand
`to require
`means the right
`Dishonor.
`Dishonor"
`that amounts
`to give notice to other persons
`means the right
`to require
`the Note Holder
`of
`been paid.
`
`of
`and Notice
`"Notice
`due.
`due have not
`
`RATE NOTE (Nonassumable Fixed)
`MULTISTATE/FlXED/ADJUSTABLE
`Single Family-Freddie Mac MODIFIED INSTRUMENT
`Form 3590 1/01
`Page 3 of S
`
`Docf agic@gono\ns 800-649.1362
`www.docmagic.com
`
`5
`
`o f
`
`4 9
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`O 8/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6 6 / 2 0 18
`6154
`INDEX
`NO .
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`11.
`
`NOTE
`UNIFORM
`SECURED
`This Note is a uniform instrument
`with limited
`in some jurisdicGGas.
`variations
`In addition
`to the protections
`given to the Note Holder
`Deed of Trust,
`under
`this Note, a Mertgags,
`or Security Deed (the "Security
`Instrument"),
`dated the sa me date as this Note,
`protects
`the Note Holder
`from possible
`losses which might
`I do not keep
`result
`if
`that
`the promises
`I make in this Note.
`That Security
`L-stement
`how and under what
`describes
`condidGas
`I may be
`to make in=*=*a
`required
`payment
`in full of all amounts
`I owe under
`Some of
`this Note.
`are
`those conditions
`described
`as follows:
`
`of
`
`Interest
`or a Beneficial
`the Property
`Transfer
`If all or any part of
`in Borrower.
`the Property
`or any Interest
`in the Property
`(or
`transferred
`is sold or
`person
`is not a natural
`if Borrower
`and a
`in Darrower
`is sold or
`beneficial
`prior written
`without
`Lender's
`interest
`Lender
`consent,
`transferred)
`in full of all sums secured by this Security
`may require
`immediate
`Instrument.
`payment
`this
`Hawever,
`option shall not be exercised
`if such exercise is prohiblied
`by Lender
`by Applicable
`Law.
`Lender
`also
`shall not exercise
`this option if:
`to Lender
`(a) Borrower
`causes to be submitted
`information
`required
`by
`Londer
`to evaluate
`the intended
`transferee
`as if a new loan were being made to the transferee;
`and (b)
`Lender
`determines
`and
`that Leader's
`not be impaired
`security will
`by the loan assumption
`reasonably
`that
`is acceptable
`the risk of a breach
`of any covenant
`in this Security
`Instrument
`or agrcement
`to
`.
`Lender.
`fee as a condition
`Law, Lender may charge a reasonable
`by Applicable
`To the extent permitted
`the transferee
`to sign an assumption
`Lender may also require
`to the loan assumpaen.
`Lender's
`consent
`and
`the promises
`and that obligates
`the transferee
`to keep all
`is acceptable
`that
`to Leader
`agreement
`will
`continue
`to be stligated
`agreements made in the Note and in this Security
`Borrower
`Instrument.
`releases Borrower
`in writing.
`Instrument
`under
`unless Lender
`the Note and this Security
`Lender
`shall give Borrower
`to require
`exercises
`the option
`immediate
`payment
`in full.
`If Lender
`less than 30 days from the date the notice
`The notice shall provide
`a period of not
`notice of acceleration.
`must pay all sums secured
`by this
`in accordance
`with
`Section
`15 within which
`Borrower
`is given
`Lender
`to the expiration
`If DGirewer
`fails to pay these sums prior
`of
`this period,
`Instrument.
`Security
`without
`further
`notice
`or demand
`on
`Instrument
`by this Security
`any remedies
`permitted
`may invoke
`Borrower.
`
`to
`
`RATE NOTE (Nonassumable Fixed)
`MULTISTATE/FlXED/ADJUSTABLE
`Single Family-Freddie Mac MODIFIED INSTRUMENT
`Page 4 of 5
`Form 3590 1/01
`
`600-649-1362
`DocMagic€U¶ssuo
`www.docmagic.com
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`O8/07/2018
`05:32
`FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6154
`INDEX
`66/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`WITNESS
`
`THE HAND(S)
`
`AND SEAL(S)
`
`OF THE UNDERSIGNED
`
`DU
`
`S
`
`(Seal)
`-Borrower
`
`(Seal)
`-Borrower
`
`(Seal)
`-Borrower
`
`(Seal)
`-Borrower
`
`(Seal)
`-Borrower
`
`(Seal)
`-Borrower
`
`[SignOriginalOnly)
`
`.
`
`RATE NOTE (Nonassumable Fixed)
`MULTISTATE/FIXED/ADJUSTABLE
`Single Family--Freddie Mac MODIFIED INSTRUMENT
`Form 3590 1/01
`Page 5 of 5
`
`800-649-1362
`DocMagic€Miammos
`wwwAocmagic,com
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`O8/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`SCEF
`DOC.
`NO .
`3
`NYSCEF DOC. NO. 75
`
`6 1 54 6 6 / 2 0 1 8
`INDEX
`NO .
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF
`0 8 / 0 7 / 2 0
`:
`RECEIVED NYSCEF: 06/05/2019
`
`ALLONGE
`
`TO PROMISSORY
`
`NOTE
`
`F OR PURPOSES OF FURTHER
`IS AFFIXED
`THIS ALLONGE
`
`ENDORSEMENT
`AND BECOMES
`
`OF THE F OLLOWING
`DESCRIBED
`A PERMANENT
`PART OF SAID NOTE:
`
`NOTE.
`
`NOTE DATE:
`
`OCTOBER
`
`6, 2006
`
`ORIGINAL
`
`PRINCIPAL:
`
`$ 435,200.00
`
`BORROWER
`
`NAME:
`
`DURSUN
`
`KOC
`
`PROPERTY
`
`AnDPESS:
`
`162 KINGS
`
`PARK ROAD,
`
`COMMACK,
`
`NEW YORK
`
`11725
`
`PAY TO THE ORDEROF
`
`WITHOUT
`COLUMBIA
`BROKERS
`
`RECOURSE
`HOM LOANS,
`LLC
`G SERVICES,
`
`DBA,
`
`CO.
`
`BY
`
`HELL
`S. LEVINE
`PRESIDENT
`
`VICE
`
`8 o f
`
`4 9
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`08/07/2018
`05:32
`[FILED
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6 6 /2 0 18
`6154
`INDEX
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`.
`
`ADDENDUM
`
`TO ADJUSTABLE
`
`Loan
`
`Number
`
`:
`
`RATE
`
`NOTE
`
`THIS ADDENDUM
`and shall
`into
`be deemed
`in favor of
`"Borrower")
`CO.
`SERVICES,
`(the "Lender")
`and dated the same date as this Addendum.
`
`6th
`is made this
`day of
`2006
`OCTOBER
`to amend
`and sapplement
`the Adjustable
`Rate Note made by
`COLUMBIA
`HOME
`DBA
`LLC
`BROKERS
`LOANS,
`
`and is incorporated
`(the.
`the nadersigned
`FUNDING
`
`Borrower
`Instrument
`
`ADDITIONAL
`COVENANTS.
`and Lender
`further
`covenant
`or Adjustable
`Rate Note):
`
`to the carcñaats
`In addi'ien
`and agreements
`in theSecurity
`ea=**ad
`and agree as follows
`(despite anything
`to the contrary
`
`Instrument,
`in the Security
`
`NOTWITHSTANDING
`YEAR
`THE
`LOAN
`IS PAYABLE
`THIS
`AMORTIZATION
`4 0
`IN
`PERIOD,
`YOU MUST REPAY
`ON THE MATURITY
`FULL
`DATE.
`THE ENTIRE
`BALANCE
`OF THE
`PRINCIPAL
`NO OBLIGATION
`AND
`NOTE
`UNPAID
`THEN
`DUE.
`INTEREST
`LENDER
`IS UNDER
`THE
`TO
`YOU WILL,
`TO MAKE
`REFINANCE
`THE
`TIME.
`BE REQUIRED
`LOAN
`AT THAT
`THEREFORE,
`HAVE
`YOU MAY OWN, OR YOU WILL
`TO FIND
`PAYMENT
`THAT
`OUT OF OTHER
`A
`ASSETS
`LENDER, WHICH MAY BE THE LENDER
`YOU HAVE
`TO LEND YOU
`WILLING
`LOAN WITH,
`THIS
`IF YOU REFINANCE
`YOU MAY HAVE TO PAY SOME OR
`THE MONEY.
`THIS LOAN
`AT MATURITY,
`WITHANEWLOANEVENIF
`ALL OF THE CLOSING
`COSTSNORMALLY
`YOUOBTAIN
`ASSOCIATED
`FROM THE
`SAME LENDER.
`IF THIS
`LOAN
`HAS NOT
`BEEN
`REFINANCING
`ACCORDINGLY,
`YOU WILL
`HAVE A BALLOON
`ON THE MATURITY
`PAYMENT
`DATE.
`SATISFIED,
`
`BY SIGNING
`
`BELOW,
`
`Bor ower accepts and agrees to the terms and covenants
`
`cen".'ned
`
`in this Addendum.
`
`Borrower
`
`DUR
`
`/O 6 of
`at
`
`Borrower
`
`Borrower
`
`Date
`
`Borrower
`
`Borrower
`
`Date
`
`Borrower
`
`Date
`
`Date
`
`Date
`
`ADDENDUM TO ADJUSTABLE RATE NOTE
`. 06/29106
`
`soo-649-nez
`Docntagic £Rams
`www.docmagic.com
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`08/07/2018
`05:32
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PMI
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6 6 /2 0 18
`6154
`INDEX
`NO.
`INDEX NO. 615466/2018
`NYSCEF
`RECEIVED
`0 8 / 0 7 /2 0 18
`:
`RECEIVED NYSCEF: 06/05/2019
`
`PREPAYMENT
`
`ADDENDUM
`
`TO NOTE
`
`Loan Number:
`
`Date: OCTOBER
`
`6,
`
`200
`
`6
`
`Borrower(s):
`
`DURSUN
`
`KOC
`
`ADDENDUM TO NOTE
`THIS PREPAYMlINT
`(the "Add=d=;")
`is made this
`day of
`6th
`200
`6
`, and is incorporated
`into and shall be deemed to amend and supplement
`OCTOBER,
`that certain
`note (the "Note") made by the undersigned
`in favor
`of COLUMBIA
`promissory
`("Borrower")
`HOME
`LLC
`DBA
`BROKERS
`FUNDING
`CO.
`LOANS,
`SERVICES,
`
`and dated the same date as this Addendum.
`of
`Repayment
`("Lender")
`or Security Deed (the "Security
`given by Borrower
`Trust,
`Instramcat")
`as this Addendum.
`To the extent
`that
`the previsións
`this Aducndüm
`of
`the ;::=:A:::
`of
`this Addendum shall supersede
`the inconsistent
`Note,
`
`the Note is secured by a Mortgage,
`Deed of
`in favor
`and dated the same date
`of Lender
`are inconsistent
`with the provisions
`of Ote
`of
`provisions
`the Note.
`
`ADDITIONAL
`and Lender
`further
`
`In addiden
`COVENANTS.
`covenant
`and agree as follows:
`
`to the covenants
`
`and agreements made in the Note, Borrower
`
`Section
`
`5
`
`of
`
`the Note is amended
`
`to read in its entirety
`
`as follows:
`
`5
`
`period
`
`CHARGE
`. BORROWER'S
`PREPAYMENT
`TO PREPAY;
`RIGHT
`at any time before they are due. A payment
`I have the right
`to make paymen's
`of Principal
`as a "Prepaymcat."
`of Principal
`the Note
`is known
`When I make a Prepayment,
`I will
`tell
`only
`Holder
`in writing
`that
`I may not designate
`a payment
`as a Prepayment
`if
`I am doing so.
`I have not
`made all
`the monthly
`payments
`due under
`the Note.
`I owe
`that
`of Principal
`to reduce the amount
`The Note Holder will
`use my Prepayments
`and unpaid
`to the accrued
`the Note Holder may apply my Prepayment
`under
`the Note.
`However,
`to reduce the Principal
`interest on the Prepayment
`before applying my Prepayment
`amount
`amount,
`of
`there will
`in the due dates of my
`If
`I make a partial
`be no changes
`the Note.
`Prepayment,
`to those changes.
`payment
`unless the Note Holder
`agrees in writing
`monthly
`Prepayment
`rate, my partial
`If
`the Note contains
`provisions
`interest
`for a variable
`may
`my partial
`after
`of my meathly
`the first Change Date following
`the amount
`payments
`reduce
`due to my partial Prepayment may be offset by an interest
`any reduction
`Prepaymc;u.
`Mc,wever,
`and the interest
`rate or
`finance
`interest
`ror a variable
`If
`this Note provides
`charge,
`rate increase.
`is
`a Papayment
`the legal
`under which
`at any time exceeds
`limit
`rate or
`charge
`finance
`penalty
`under
`to assess a Picpayment
`penalty will
`be determined
`then the Note Hotdcr's
`right
`allowed,
`applicable
`law.
`Instrument
`from the date the Security
`is
`) months
`If within
`TWELVE
`12
`(
`and the total of all such
`or one or more partial Prepayments,
`1 make a full Prepayment
`executed
`Principalamount
`in any 12-month
`(20%) ofthe original
`twenty percent
`period.cxceeds
`Prepaymcius
`charge in an amount
`equal
`to
`I wilt
`6
`of
`pay a Prepaymcal
`SIX
`the loan,
`(
`months'
`any 12-month
`advance interest on the amount by which the total ofmy Prepsyss's
`percent
`Principal
`of
`the original
`exceeds
`of
`amount
`(20%)
`twenty
`
`)
`
`within
`the loan.
`
`MULTISTATE PREPAYMENT ADDENDUM TO NOTE
`6t03
`
`Page 1 of 2
`
`suste-tast
`DocMagicGIsvans
`www.docmagic.com
`
`10
`
`o f
`
`4 9
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`O8/07/2018
`05:32
`[FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM1
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/0T/2018
`RECEIVED NYSCEF: 06/05/2019
`
`BY SIGNING
`Adder.ilurn.
`
`BELOW,
`
`Borrower
`
`accepts
`
`and agrees
`
`to the terms
`
`and pravisicr.s
`
`r^astand
`
`in this
`
`Büiiewt:r
`
`D
`
`C
`
`o
`
`eC
`D te
`
`Borrower
`
`Borrower
`
`Date
`
`Berrewer
`
`Borrower
`
`Date
`
`Borrower
`
`Date
`
`Date
`
`Date
`
`MULTISTATE PREPAYMENT ADDENDUM TO NOTE
`6/O3
`
`Page 2 of 2
`
`some49-1362
`DocMagict%¾motus
`www.docmagic.com-
`
`11
`
`of
`
`49
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`08/07/2018
`05:32
`FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM|
`Y S CE F DOC . NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615 466/2018
`NO.
`INDEX NO. 615466/2018
`RE CE IVE D NY SCE F:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`BALLOON
`
`ADDENDUM
`
`TO NOTE
`
`AND RIDER
`
`TO MORTGAGE
`
`Loan Number:
`
`Servicing Number:
`
`Date: OCTOBER 6,
`
`2 00 6
`
`For value received. theüñdcrSgñcd ("Borrower(s)") agree(s)that thefollowing provisions shall beincorporated into andshall
`be deemedto amend and applement
`the Note and Mortgage of even date. To the extent the p;
`;; of this Balloon
`Add=du-.
`to Note and Rider to Mortgage are incee±tcñt with the provisions of the Note and Mortgage, the previsiem of
`this Addendum shall prevail over and shall supersedeany such inconsistentprevisions of the Note and Mortgage.
`
`YEARS. AS A RESULT, YOU WILL BE
`THE TERM OF THE LOAN IS 30
`REQUIRED TO REPAY THE ENTIRE PRINCIPAL BALANCE AND ANY
`30
`ACCRUED INTEREST THEN OWING
`YEARS FROM THE DATE ON
`WHICH THE LOAN IS MADE.
`
`THE LENDER HAS NO OBLIGATION TO REFINANCE THIS LOAN AT THE
`END OF ITS TERM. THEREFORE, YOU MAY BE REQUIRED TO REPAY THE
`LOAN OUT OF ASSETS YOU OWN OR MAY HAVE TO FIND ANOTHER
`LENDER WILLING TO REFINANCE THE LOAN.
`
`ASSUMING THIS LENDER OR ANOTHER LENDER REFINANCES THIS LOAN
`YOU WILL PROBABLY BE CHARGED INTEREST AT
`AT MATURITY,
`MARKET RATES PREVAILING AT THAT TIME AND SUCH RATES MAY BE
`HIGHER THAN THEINTEREST RATE PAID ON THIS LOAN. YOU MAY ALSO
`HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY
`ASSOCIATED WITH A NEW MORTGAGE LOAN.
`
`O The following terms are applicable if this box is checked:
`LENDER GUARANTEES REFINANCING AT MATURITY, BUT INTEREST WILL NOT BE RECALCULATED
`ACCORDING TO A PRE-SPECIFIED INDEX.
`
`30
`YEARS. AT MATURITY,
`30
`THE TERM OF THE LOAN IS
`YEARS FROM THE DATE ON WHICH THE LOAN IS MADE, AND AT THE
`BE
`LOAN WILL
`THE
`TIME OF EACH FURTHER
`REFINANCING,
`REFINANCED AT AN INTEREST RATE ESTABLISHED BY THE LENDER
`WITH REFERENCE TO MARKET RATES. SUCH INTEREST RATE(S) MAY BE
`THAN THE INTEREST RATE PAID ON THIS LOAN.
`HIGH
`
`Borrowe
`
`U
`
`Date
`
`Borrower
`
`Borrower
`
`Borrower
`
`Date
`
`Borrower
`
`Date
`
`Borrower
`
`Date
`
`Date
`
`Date
`
`NEWYORKBALLOONADDENDUMTONOTEANDRIDERTOMORTGAGE
`04/15103
`
`DocMagicdD%onnaa00-s49-13s2
`www.docmagic.com
`
`Nyburm-msc
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`08/07/2018
`05:32
`FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM)
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`P
`
`1111111E1111111111111111111511
`
`11111R111111111
`
`.
`
`CLERK
`SUFFOLK
`COUNTY
`RECORDS
`OFFICE
`RECORDING
`PAGE
`
`MORTGAGE/PBAE
`
`25
`06-0101568
`CX068644
`
`section:
`066.00
`EXANINED
`$435,200.00
`
`Recorded:
`'Atu
`
`10/18/2006
`10:56:55
`
`AM
`
`LIBER:
`PAGE:
`
`.
`
`M00021402
`946
`
`.
`
`AND
`
`.
`
`Blocks
`02.00
`CHARGED
`
`·
`
`.
`
`As
`
`FOf&OWS
`
`Lot:
`Q61.000
`
`of
`
`Type
`Number
`Receipt
`MORTGAGE
`
`Instruments
`Pagess
`of
`:
`Number
`NUMBER:
`
`District:
`0800
`
`Mortgage
`
`Amount:
`
`Received
`
`the
`
`Following
`
`Fees
`
`For
`
`Page/Filing
`COE
`Affidavit
`RPT
`Mort.Basic
`Mort.spladdl
`
`$75.00
`$5.00
`$0.00
`$30.00
`$2,176.00
`$0.00
`
`Above
`Exempt
`NO
`ND
`NO
`NO
`NO
`N0
`
`Instrument
`.
`Handling
`N25
`BRCHG
`cert.copies
`BCTM
`Nort-Add1
`Nort.HP1Asst
`Fees
`Paid
`
`.
`
`.
`
`.
`
`$5.00
`$15.00
`$0.00
`SO.00
`$1,275.60
`$1,0B8.00
`$4,659.60
`
`Exempt
`NO
`NO
`NO
`NO
`NO
`NO
`
`MORTGAGE
`
`NUMBER:
`
`C2068644
`THIS
`
`PAGE
`
`Is
`THIS
`
`A DART OF THE
`IS
`NOT
`A BILL
`
`INSTRtRGINT
`
`adith
`County
`
`A.
`Pascale
`suffolk
`Clerk,
`
`County
`
`13
`
`of
`
`49
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`O8/07/2018
`05:32
`FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615 466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`Numberef pages
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`

`

`CLERK
`COUNTY
`SUFFOLK
`FILED
`05:32
`O8 / 07/2018
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`:
`PM|
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`INDEX
`615466/2018
`NO.
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`MorgpguRecurdingTax:
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`
`USED ÓFTEN IN THIS DOCUMENT
`WORD5
`Instrumnent.." TIds docunnent. widchIsdated
`OCTOBER
`(A)
`"security
`Iristrument."
`to this docuntant. wiU be called the "Security
`allRhlers
`"Burrower."
`DURSUN
`(8)
`KOC
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`6,
`
`2006
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`NRADDOCK
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`.AVENUE,
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`QUEENS
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`.
`
`-
`
`NEW YORK
`11428
`VILLAGE,
`souietimes will be called 'Bonower"
`
`"I" or "me."
`and smnullmes simply
`HegistrationSystems.Inc.
`MortgpseElectmnic
`"MERS"Is
`(C)
`MEtSlsasepstatecorporallonthathacRngsolely
`ena assigns. MERS is organized and existing under de lawsof
`as a nomisino for Lunder and Lander's asc:c=s
`addressand telephanemunberoTP.O.Box202B.Filat
`ME 48501-ED2gi.tal,
`Delaware.umlhanna
`(ARIS671HdliRS.
`FOR PUNFOSES OF RECORDING
`MERS IS'THEMORTGAGRE
`0F EECORD,
`TTISMORTCACE.
`"Lender."
`COLUMBIA
`DBA
`BRDKERS
`HOMB LOANS
`LLC
`FUNDING
`(D)
`SERVICES,
`CC.
`will be called "Londor."
`NEW YORK
`Leader'saddrearis
`
`Lender
`
`is u corporation or association which exists mider
`
`the lawsof
`
`400
`
`COLUMBUS
`
`AVENUB,
`
`VAL¤.ALLA,
`
`NEIS YORK
`
`10595
`
`.
`
`.
`
`)
`
`"Note."
`The unge signed by Barrower ami dated
`OCTOBER
`(E)
`"Note/'
`The Note simus thus Iowu Leader
`FOUR HUNDRED
`D0/100
`AND
`HUNDRED
`plus interest smÍ unker anmnatz thatumybe
`NOVEMBER
`pay1(10dchtinfuHby
`'Troperty."
`Thepropertythat
`(F)
`called the "P:spurty."
`
`, will he calledthe
`2006
`6,
`THOUSAND
`TWO
`TH.IETY-FIVE
`DaHans (U.S. S 435,200.00
`Ileave pmmised to pay ilds debt in Periodic Paymentsandto
`payalde.
`.
`2036
`1,
`the Pepsy,"
`Is described helow In the section tided "Dear.sigüan of
`
`win be
`
`Secthm:
`
`BIuck:
`
`. Lot(gg/Unit No(s).:
`
`A
`
`Family
`
`Dwelling
`
`EglaBuma
`
`--
`
`-
`
`15
`
`of
`
`49
`
`

`

`CLERK
`COUNTY
`SUFFOLK
`08/07/2018
`05:32
`[FILED:
`FILED: SUFFOLK COUNTY CLERK 06/05/2019 10:57 AM
`PM1
`NYSCEF
`DOC.
`NO.
`3
`NYSCEF DOC. NO. 75
`
`6 1 5 4 6 6 / 2 0 1 8
`INDEX
`NO .
`INDEX NO. 615466/2018
`RECEIVED
`NYSCEF:
`08/07/2018
`RECEIVED NYSCEF: 06/05/2019
`
`The'Loan"
`"Loma."
`means site debt evidenced by the Nuge. pins tutesest. any prepayment champs and lage
`(G)
`Instrument, plus Interest.
`chargus due ander the Nolo. and aN smus due sader tids.Security
`"Sums Satured."
`Translhr
`The amounts described helow In the sectiott ritled "Botrower's
`(II)
`In the Paperty"
`smuetimes will he called the "Sums Secured
`.
`that aresigned by Barrower will he cidled "Ridem
`AB Riders sitected en this Security Instrument
`"Riders?
`(1)
`Iched has as applicaMap
`The following Riders are in be signed by Itarmwer
`
`fo Leader of Rights
`
`y,