Preview
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
1
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
NOTE
April 17, 2017 East Syracuse, NewYork
[Date] [City] [State]
221 Matty Ave, Mattydale, NY13211-1632
[Property Address]
1. BORROWER'S
PROMISE
TOPAY
In retum for a loan that I have received, I prornise to pay U.S. $92,335.00 (this amountIs called "Principan,
plus Interest, to the order of the Lender. The Lender Is Paragon HomeLoans, Inc., a Corporation.
I will make all paymentsunder this Note in the form of cash, check or moneyorder.
I understand that the L.endor may transfer this Noto. The Londor or anyone who takes this Noto by transfer and who
is entitled to receive payments under this Note is called the"Note Holder.
2. INTEREST
Interest will be charged on unpaid principal until the full amountof Principal has boon pald. I will pay Interest at a
yearly rate of 4.250 %.
Theinterest rate required by this Section 2 Is the rate I wmpay both before and after any default described In Section
6(8) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I wlH pay principal and Interest by making a payment every month.
I win make mymonthly payment on the 1st day of each month beginning on June 1, 2017.
Iwillmake these payments every month until Ihave pald all of the principal andinterest and any other charges described
below that I may owe under this Note. Each monthly paymentwill be applied as of its scheduled due date and will be
applied to Interest and any other Items In the order described In the SecurRy Instrument before Principal. If, on
May 1, 2047, I still owe amounts under this Note, I will pay those amounts in full on that date, which Is
Date.*
called the "Maturity
I will make mymonthly payments at 5010 Campuswood Dr
East Syracuse, NY13057
or at a different place If required by the Note Holder.
(B) Amount of Monthly Payments
Mymonthly payment wi be in the amountof U.S. $454.25.
4. BORROWER'S
RIGHTTOPREPAY
I have the right to mako payments of Principal at any time before they aro due. A payment of Principal only is known
"Prepayment."
as a WhenI makea Prepayment, I will tell the Note Holder In writing that Iamdoing so. I maynot designate
a payment as a Prepayment if I have not madeall the payments due under the Note.
monthly
I may make a full Prepayment or partial Prepayments wdhout paying a Prepayment charge. The Note Holder will
use my Propayments to reduce the amount of Principal that I owo under this Note. However, the Note Holder may apply
my Prepayment to the accrued and unpaid Interest on the Prepayment amount, before applying my Prepayment to
reduce the Principal amountof the Note. If I make a partial Prepayment. there will be no changes In the due date or In
the amountof my monthly paymentunless the Note Holder agrees in writing to those changos.
5. LOANCHARGES
If a law, which applies 10 this loan and which sets maximumloan charges, is finally interpreted so that the interest or
other loan charges collected of to be conected In connection with this loan exceed the permitted Amits, then: (a) any such
loancharge shaNbereduced by the amountnecessary toreduce the charge to the permitted Amit; and (b) any sumsalready
collected from mewhich exceeded permRtedilmits will be refunded to me. The Note Hokler may choose tomake this refund
by reducing the Principal I owe under this Noto or by making a direct payment to me. If a refund reduces Principal, the
reducilon will be treated as a partial Prepayment.
6. BORROWER'S
FAILURETOPAYAS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amountof any monthly payment by the end of 15 calendar days after
the date It is due, I wiN pay a late charge to the Note Holder. The amountof the charge will be 4.000 of myoverdue %
payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B) Default
If I do not pay the full amountof oach monthly payment on the dato It Is due, I will be In default.
(C) NotIce of Default
If I amIn default, the Note Holder maysend mea written notico telling methal if I do not pay the overdue amount by a
certain date. the Note Holder may require meto pay Immediately the full amount of Principal which has not been pald and
NEW YoRKFlXED RATENOTE - single Family-Fannie Man/Freddle MaeUNtFORM
INsTRUMENT Forns 3233 1/01
Modified for FHA9/15 (rev. 2/1s)
EIReMee. Inc. Page 1 of 2 FHA32oDNYNT0216
FHA3200NOT
(CLS)
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
LOAN
all the interost that I owoon that amount That date must be at least 30 days after tho dato on which
to meor delivered by other means.
(D) No Walver By Note Holder
Even if, at a timo when I amIn default, the Noto Holder does not requiro meto pay Immodlately In full as described
above, the Note Holder will still havo the right to do so If I amIn default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required meto pay immediately In full as described above, the Note Holder will have the right
to be paid back by mefor all of its costs and expensus In enforcing this Note to the extant not prohibited by appilcable
attorneys'
law. Those expenses Include, for example, reasonable fees.
7, GIVINGOFNOTICES
Unless applicable law Inquires a different method, any notice that must be given to meunder this Noto will be given
by delivering It or by mailing it by IIrst class mall to meat the Property Address above or at a different address If I give the
Note Holder a notice of mydifferent address.
Any notice that must be given to the Note Holder under this Note will be given by delivering It or by maling It by first
class mall to the Note Holder at the address stated In Section 3(A) above or at a different address if I amgiven a notice of
that dilIerent address.
8. OBLIGATIONSOFPERSONS UNDERTHIS NOTE
II more than one person signs this Note, each person is fully and personally obilgated to keep all of the promises
madein this Note. Including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorser
of this Noto is also obligated to do thoso things. Any person who takos ovor those obligations, including the obligations
of a guarantor, surety or endorser of this Note, Is also obligated to keep all of the promises made In this Note. The Note
Holder may enforce Its rights under this Note against each person Individually or against all of us together. This means
that any one of us may be required to pay a11of the amounts owed under this Note.
9. WAlVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment'
means the right to require the Notc Holder to demandpayment of amounts due."Notico of Dishonor"
meansthe right to requiro the Note Holder to give notico to other persons that amounts duo havo not been pald.
10. SECURED
UNIFORM NOTE
This Note is a uniform instrument with limited vadations in somejurisdictions. In addition to the protections given to
the Note Holder under this Note, a Mortgage, Deedof Trust, or Security Deed(the "Security Instrument"), dated the same
date as this Note, protects the Note Holder liram possible losses which might result if I do not keep the promises which I
makeIn this Noto. That Security Instrument describes how and under what conditions I inay be required to makoimmedl-
ato payment in full of all amounts I owo under this Noto. Someof thoso conditions are described as follows:
Lender may require Immediate payment in full of all Sums Secured by this Security instrument If all or any
part of the Property, or if any right In the Property, is sold or transferred without Lenders pilor written permission.
If Borrower is not a natural person and a beneficial interest In Borrower Is sold or fransferred without Londer's
prior written permission, Lender also may require Immediate payment In full. However, this option shall not be
exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender requires immediate payment In full under this Section 17, Lendor will glvo mea notice which states
this requirement. The notice will givo meat least 30 days to makethe required payment. The 30-day period will
begin on the date the notice is given to mein the mannerrequired by Section 14 of this Security Instrument. If
I do not make the required payment during that period, Lender may act to enforce its rights under this Security
Instrument without giving meany further notice or demandfor payment.
WITNESSTHEHAND(S)ANDSEAL(S) OFTHEUNDERSIGNED.
(Seal)
Lander: Paragon HomeLoans, nc.
NMLSID: 33052
Loan Originator: Chad Ayers
NMLSID: 881871
[Sign Original Only]
- single Famiy -
NewYORKF1XeD RATENOTE INsTRUMeN1'
FamnleManfFreddle MacuNIFoRM Form3233 1(0t
Modified ler FHA9/15 (rev. 2/16)
ale Mee, Inc. Page2 of 2 FHA320DNYNTo21s
FHA3200NOT
(CLS)
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
ALLONGETONOTE
LOAN#
LOANAMOUNT
$92,338.00
PROPERTY
ADDRESS221 Matty Ave
Mattydale, NY13211-1632
ALLONGE
TONOTEDATED April 17, 2017
IN OF Paragon HomeLoans,
FAVOR Inc., a Corporation
ANDEXECUTED
BY Kristen N Paoletti
OF PennyMacCorp.
PAYTOTHEORDER
RECOURSEParagon HomeLoans,
WITHOUT Inc., a Corporation
BY
Wendee Lurnan
TITLE Assistant Secretary
Occument #L444 LFF305
Sile Mae, Inc. GN13 0103
GN13(CLS)
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
ALLONGETONOTE
LOAN#
221 MATTY
ADDRESS:
PROPERTY NY 13211
AVE, MATTYDALE,
PRINCIPALBALANCE: $92338
BORROWER:
KRISTENN PAOLETD
CO-BORROWER:
PAYTOTHEORDEROF: PennyMac Loan Services, LLC
WITHOUTRECOURSE:
PennyMacCorp.
BY
TITL sian, Authorized Representative
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024
ALLONGETONOTE
LOAN#:
ADDRESS:221 MATTY
PROPERTY AVE, MATTYDALE,NY 13211
PRINCIPALBALANCE: $92338
KRISTENN PAOLETTI
BORROWER:
CO-BORROWER:
PAYTOTHEORDEROF:
WITHOUTRECOURSE:
PennyMacLoan Services, LLC
BY
TlTLE: Sarin YeranossiäisAuthorized Representative
Preview
FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 1 FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 NOTE April 17, 2017 East Syracuse, NewYork [Date] [City] [State] 221 Matty Ave, Mattydale, NY13211-1632 [Property Address] 1. BORROWER'S PROMISE TOPAY In retum for a loan that I have received, I prornise to pay U.S. $92,335.00 (this amountIs called "Principan, plus Interest, to the order of the Lender. The Lender Is Paragon HomeLoans, Inc., a Corporation. I will make all paymentsunder this Note in the form of cash, check or moneyorder. I understand that the L.endor may transfer this Noto. The Londor or anyone who takes this Noto by transfer and who is entitled to receive payments under this Note is called the"Note Holder. 2. INTEREST Interest will be charged on unpaid principal until the full amountof Principal has boon pald. I will pay Interest at a yearly rate of 4.250 %. Theinterest rate required by this Section 2 Is the rate I wmpay both before and after any default described In Section 6(8) of this Note. 3. PAYMENTS (A) Time and Place of Payments I wlH pay principal and Interest by making a payment every month. I win make mymonthly payment on the 1st day of each month beginning on June 1, 2017. Iwillmake these payments every month until Ihave pald all of the principal andinterest and any other charges described below that I may owe under this Note. Each monthly paymentwill be applied as of its scheduled due date and will be applied to Interest and any other Items In the order described In the SecurRy Instrument before Principal. If, on May 1, 2047, I still owe amounts under this Note, I will pay those amounts in full on that date, which Is Date.* called the "Maturity I will make mymonthly payments at 5010 Campuswood Dr East Syracuse, NY13057 or at a different place If required by the Note Holder. (B) Amount of Monthly Payments Mymonthly payment wi be in the amountof U.S. $454.25. 4. BORROWER'S RIGHTTOPREPAY I have the right to mako payments of Principal at any time before they aro due. A payment of Principal only is known "Prepayment." as a WhenI makea Prepayment, I will tell the Note Holder In writing that Iamdoing so. I maynot designate a payment as a Prepayment if I have not madeall the payments due under the Note. monthly I may make a full Prepayment or partial Prepayments wdhout paying a Prepayment charge. The Note Holder will use my Propayments to reduce the amount of Principal that I owo under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid Interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amountof the Note. If I make a partial Prepayment. there will be no changes In the due date or In the amountof my monthly paymentunless the Note Holder agrees in writing to those changos. 5. LOANCHARGES If a law, which applies 10 this loan and which sets maximumloan charges, is finally interpreted so that the interest or other loan charges collected of to be conected In connection with this loan exceed the permitted Amits, then: (a) any such loancharge shaNbereduced by the amountnecessary toreduce the charge to the permitted Amit; and (b) any sumsalready collected from mewhich exceeded permRtedilmits will be refunded to me. The Note Hokler may choose tomake this refund by reducing the Principal I owe under this Noto or by making a direct payment to me. If a refund reduces Principal, the reducilon will be treated as a partial Prepayment. 6. BORROWER'S FAILURETOPAYAS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amountof any monthly payment by the end of 15 calendar days after the date It is due, I wiN pay a late charge to the Note Holder. The amountof the charge will be 4.000 of myoverdue % payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amountof oach monthly payment on the dato It Is due, I will be In default. (C) NotIce of Default If I amIn default, the Note Holder maysend mea written notico telling methal if I do not pay the overdue amount by a certain date. the Note Holder may require meto pay Immediately the full amount of Principal which has not been pald and NEW YoRKFlXED RATENOTE - single Family-Fannie Man/Freddle MaeUNtFORM INsTRUMENT Forns 3233 1/01 Modified for FHA9/15 (rev. 2/1s) EIReMee. Inc. Page 1 of 2 FHA32oDNYNT0216 FHA3200NOT (CLS) FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 LOAN all the interost that I owoon that amount That date must be at least 30 days after tho dato on which to meor delivered by other means. (D) No Walver By Note Holder Even if, at a timo when I amIn default, the Noto Holder does not requiro meto pay Immodlately In full as described above, the Note Holder will still havo the right to do so If I amIn default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required meto pay immediately In full as described above, the Note Holder will have the right to be paid back by mefor all of its costs and expensus In enforcing this Note to the extant not prohibited by appilcable attorneys' law. Those expenses Include, for example, reasonable fees. 7, GIVINGOFNOTICES Unless applicable law Inquires a different method, any notice that must be given to meunder this Noto will be given by delivering It or by mailing it by IIrst class mall to meat the Property Address above or at a different address If I give the Note Holder a notice of mydifferent address. Any notice that must be given to the Note Holder under this Note will be given by delivering It or by maling It by first class mall to the Note Holder at the address stated In Section 3(A) above or at a different address if I amgiven a notice of that dilIerent address. 8. OBLIGATIONSOFPERSONS UNDERTHIS NOTE II more than one person signs this Note, each person is fully and personally obilgated to keep all of the promises madein this Note. Including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorser of this Noto is also obligated to do thoso things. Any person who takos ovor those obligations, including the obligations of a guarantor, surety or endorser of this Note, Is also obligated to keep all of the promises made In this Note. The Note Holder may enforce Its rights under this Note against each person Individually or against all of us together. This means that any one of us may be required to pay a11of the amounts owed under this Note. 9. WAlVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment' means the right to require the Notc Holder to demandpayment of amounts due."Notico of Dishonor" meansthe right to requiro the Note Holder to give notico to other persons that amounts duo havo not been pald. 10. SECURED UNIFORM NOTE This Note is a uniform instrument with limited vadations in somejurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deedof Trust, or Security Deed(the "Security Instrument"), dated the same date as this Note, protects the Note Holder liram possible losses which might result if I do not keep the promises which I makeIn this Noto. That Security Instrument describes how and under what conditions I inay be required to makoimmedl- ato payment in full of all amounts I owo under this Noto. Someof thoso conditions are described as follows: Lender may require Immediate payment in full of all Sums Secured by this Security instrument If all or any part of the Property, or if any right In the Property, is sold or transferred without Lenders pilor written permission. If Borrower is not a natural person and a beneficial interest In Borrower Is sold or fransferred without Londer's prior written permission, Lender also may require Immediate payment In full. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender requires immediate payment In full under this Section 17, Lendor will glvo mea notice which states this requirement. The notice will givo meat least 30 days to makethe required payment. The 30-day period will begin on the date the notice is given to mein the mannerrequired by Section 14 of this Security Instrument. If I do not make the required payment during that period, Lender may act to enforce its rights under this Security Instrument without giving meany further notice or demandfor payment. WITNESSTHEHAND(S)ANDSEAL(S) OFTHEUNDERSIGNED. (Seal) Lander: Paragon HomeLoans, nc. NMLSID: 33052 Loan Originator: Chad Ayers NMLSID: 881871 [Sign Original Only] - single Famiy - NewYORKF1XeD RATENOTE INsTRUMeN1' FamnleManfFreddle MacuNIFoRM Form3233 1(0t Modified ler FHA9/15 (rev. 2/16) ale Mee, Inc. Page2 of 2 FHA320DNYNTo21s FHA3200NOT (CLS) FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 ALLONGETONOTE LOAN# LOANAMOUNT $92,338.00 PROPERTY ADDRESS221 Matty Ave Mattydale, NY13211-1632 ALLONGE TONOTEDATED April 17, 2017 IN OF Paragon HomeLoans, FAVOR Inc., a Corporation ANDEXECUTED BY Kristen N Paoletti OF PennyMacCorp. PAYTOTHEORDER RECOURSEParagon HomeLoans, WITHOUT Inc., a Corporation BY Wendee Lurnan TITLE Assistant Secretary Occument #L444 LFF305 Sile Mae, Inc. GN13 0103 GN13(CLS) FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 ALLONGETONOTE LOAN# 221 MATTY ADDRESS: PROPERTY NY 13211 AVE, MATTYDALE, PRINCIPALBALANCE: $92338 BORROWER: KRISTENN PAOLETD CO-BORROWER: PAYTOTHEORDEROF: PennyMac Loan Services, LLC WITHOUTRECOURSE: PennyMacCorp. BY TITL sian, Authorized Representative FILED: ONONDAGA COUNTY CLERK 05/15/2024 01:33 PM INDEX NO. 005143/2024 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 05/15/2024 ALLONGETONOTE LOAN#: ADDRESS:221 MATTY PROPERTY AVE, MATTYDALE,NY 13211 PRINCIPALBALANCE: $92338 KRISTENN PAOLETTI BORROWER: CO-BORROWER: PAYTOTHEORDEROF: WITHOUTRECOURSE: PennyMacLoan Services, LLC BY TlTLE: Sarin YeranossiäisAuthorized Representative