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Filing # 152008898 E-Filed 06/22/2022 04:59:19 PM
Property Address: 6140 Northwest Hopkins Avenue, Port Saint Lucie, FL 34986
Note Signer: Rebeca Ruiz and Nerina Rodriguez 562022CA001118AXXXHC_
Judge Robert Belanger
CERTIFICATION OF POSSESSION OF ORIGINAL NOTE
The undersigned hereby certifies
1. That plaintiff is in possession of the original promissory note upon which this action is
brought.
The location of the original promissory note is: 2424 North Federal Highway, Suite 360, Boca
Raton, FL 33431
3. The name and title of the person giving the certification is: Jennifer Kopf, Attorney for
Plaintiff.
4. The name of the person who personally verified such possession is: Jennifer Kopf.
5. The time and date on which ssession was verified were:
u A
Mae 4 QE 2022
6. Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or
assignments of the note) are attached to this certification.
7.1 give this statement based on my personal knowledge.
Under penalties of perjury, I declare that I have read the foregoing Certification of Possession of
Original Npte and that the facts stated in it are true.
Execut¢d gn Meay 2 ,2022
T /
Jennife T f
Attorne: for Plaintiff
LOGS Legal Group LLP
22-326848 FCO] CXE
NOTE
a
IN .OAN#}
fen 22, 2017 Brecksville, Ohio
[City] [State]
6140 NW HOPKINS AVE, Port Saint Lucie, FL 34986
[Property Address]
1 BORROWER'S PROMISE TO PAY
In return for a loan that | have received, | promise to pay U.S. $245,471.00 {this amount is called “Principal’),
Plus interest, to the order of the Lender. The Lender is CrossCountry Mortgage, Inc., a Corporation.
| will make all payments under this Note in the form of cash, check or money order.
| understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who.
is entitled to receive payments under this Note is called the "Note Holder.”
2. INTEREST
Interest will be chargedon unpaid principal until the full amount of Principal has been paid. | will pay interest at a yearly
rate of 4.5 -
The interest rate required by this Section 2 is the rate | will pay both before and after any default described in Section
6(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
| will pay principal and interest by making a payment every month.
| will make my monthly payment on the 1st day of each month beginning on October 1, 2017.
Iwill make these payments every month until | have paid all of the principal and interest and any other charges described
below that | may owe under this Note, Each monthly payment will be applied as of its scheduled due date and will be
applied to interest and any other items in the order described in the Security Instrument before Principal. If, on
September 1, 2047, 1 still owe amounts under this Note, | will pay those amounts in full on that date, which
is called the "Maturity Date.”
| will make my monthly payments at 6850 Miller Road
Brecksville, OH 44141
or at a different place if required by the Note Holder.
(B) Amount of Monthly Payments
My monthly payment will be in the amount of U.S. $1,243.77.
4. BORROWER'S RIGHT TO PREPAY
Ihave the right to make payments of Principal at any time before they are due. A payment of Principal only is known
asa “Prepayment.” When | make a Prepayment, | will tell the Note Holder in writing that | am doing so. ! may not designate
a payment as a Prepayment if | have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use
my Prepayments to reduce the amount of Principal that | owe 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 amount of the Note. If | make a partial Prepayment, there will be no changes in the due date or in the amount of
my monthly payment unless the Note Holder agrees in writing to those changes.
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or
other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such
loan charge shail be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already
collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund
by reducing the Principal | owe under this Note or by making a direct payment to me. If a refund reduces Principal, the
reduction will be treated as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue nts.
if the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after
the date it is due, | will pay a late charge to the Note Holder. The amount of the charge will be 4.000 % of my overdue
payment of principal and interest. | will pay this late charge promptly but only once on each late payment.
(B) Default
IF do not pay the full amount of each monthly payment on the date it is due, | will be in default.
{C) Notice of Defaul
If tam in default, the Note Holder may send me a written notice telling me that if | do not pay the overdue amount by a
certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and
FLORIDA FIXED RATE NOTE ~ Single Family - Fannie Mao/Freddie Mac UNIFORM INSTRUMENT Form 3210 1/01
Modified for FHA 9/15 (rev. 2/16)
Elio Mae, Inc. Page 1 of 2 FHASZ0FLNT 0216
08222017 1124 AM PST
OAN
aiithe interest that 1 owe on that amount. That date must be at least 30 days after the date on which the notice is mailed
io me or delivered by other means.
(0) No Waiver By Note Holder
Even if, at a time when | am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to_do so if | am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right
to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.
Those expenses include, for example, reasonable attorneys’ fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given
by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if | give the
Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first
Class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if | am given a notice of
that different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note. each person is fully and personally obligated to keep alll of the promises made
in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this
Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guar-
antor, 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 all of the amounts owed under this Note.
9. WAIVERS
| 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 Note Holder to demand payment of amounts due. "Notice of Dishonor" means
the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to
the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the “Security Instrument’), dated the same
date as this Note, protects the Note Holder from possible losses which might result if | do not keep the promises which |
make in this Note. That Security Instrument describes how and under what conditions | may be required to make immediate
Payment in full of all amounts | owe under this Note. Some of those conditions are described as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
‘natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,
Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option
shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide
a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which
Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the
expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
" DOCUMENTARY TAX
The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED
(Seal)
EBECA RUIZ
(Seal)
NERI RODRIGUEZ
Lender: CrossCountry Mortgage, Inc.
NMLS ID: 9
Loan Originator: Chris Carlos Molina
NMLS ID: 1587312
[Sign Original Only]
FLORIDA FIXED RATE NOTE - Single Family
— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3210 1/01
Modified for FHA 9/15 (rev. 2/16)
Ellie Mae, Inc. Page 2 of 2 FHA3Z00FLNT 0216
FHA3200NOT (CLS)
08/22/2017 11:24 AM PST
ALLONGE
Loan Number:
Loan Date: 08/22/2017
Borrower(s) Rebeca Ruiz
Nerina Rodriguez
Property Address: 6140 NW HOPKINS AVE Port Saint Lucie, FL 34986
Principal Balance: 245,471.00
PAY TO THE ORDER OF
Netlorster Mort
aage Lic
Without Recourse
Company Name: CROSSCOUNTRY MORTGAGE, INC., A Corporation
LY President
TH J. Leonhardt, Jr. (Title)
ae
ALLONGE TO NOTE
LOAN NUMBER: =
NOTE DATE: AUGUST 22, 2017
LOAN AMOUNT: $ 245,471.00
BORROWER(S) NAME REBECA RUIZ
NERINA RODRIGUEZ
PROPERTY ADDRESS: 6140 NW HOPKINS AVE
PORT SAINT LUCIE, FL 34986
ORIGINAL LENDER: CROSSCOUNTRY MORTGAGE, INC., A CORPORATION
PAY TO THE ORDER OF:
WITHOUT RECOURSE:
NATIONSTAR MORTGAGE LLC d/b/a MR. COOPER
wv Laan LV tina» ——
Megan Saenz
ASSISTANT SECRETARY
Preview
Filing # 152008898 E-Filed 06/22/2022 04:59:19 PM Property Address: 6140 Northwest Hopkins Avenue, Port Saint Lucie, FL 34986 Note Signer: Rebeca Ruiz and Nerina Rodriguez 562022CA001118AXXXHC_ Judge Robert Belanger CERTIFICATION OF POSSESSION OF ORIGINAL NOTE The undersigned hereby certifies 1. That plaintiff is in possession of the original promissory note upon which this action is brought. The location of the original promissory note is: 2424 North Federal Highway, Suite 360, Boca Raton, FL 33431 3. The name and title of the person giving the certification is: Jennifer Kopf, Attorney for Plaintiff. 4. The name of the person who personally verified such possession is: Jennifer Kopf. 5. The time and date on which ssession was verified were: u A Mae 4 QE 2022 6. Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or assignments of the note) are attached to this certification. 7.1 give this statement based on my personal knowledge. Under penalties of perjury, I declare that I have read the foregoing Certification of Possession of Original Npte and that the facts stated in it are true. Execut¢d gn Meay 2 ,2022 T / Jennife T f Attorne: for Plaintiff LOGS Legal Group LLP 22-326848 FCO] CXE NOTE a IN .OAN#} fen 22, 2017 Brecksville, Ohio [City] [State] 6140 NW HOPKINS AVE, Port Saint Lucie, FL 34986 [Property Address] 1 BORROWER'S PROMISE TO PAY In return for a loan that | have received, | promise to pay U.S. $245,471.00 {this amount is called “Principal’), Plus interest, to the order of the Lender. The Lender is CrossCountry Mortgage, Inc., a Corporation. | will make all payments under this Note in the form of cash, check or money order. | understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who. is entitled to receive payments under this Note is called the "Note Holder.” 2. INTEREST Interest will be chargedon unpaid principal until the full amount of Principal has been paid. | will pay interest at a yearly rate of 4.5 - The interest rate required by this Section 2 is the rate | will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments | will pay principal and interest by making a payment every month. | will make my monthly payment on the 1st day of each month beginning on October 1, 2017. Iwill make these payments every month until | have paid all of the principal and interest and any other charges described below that | may owe under this Note, Each monthly payment will be applied as of its scheduled due date and will be applied to interest and any other items in the order described in the Security Instrument before Principal. If, on September 1, 2047, 1 still owe amounts under this Note, | will pay those amounts in full on that date, which is called the "Maturity Date.” | will make my monthly payments at 6850 Miller Road Brecksville, OH 44141 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $1,243.77. 4. BORROWER'S RIGHT TO PREPAY Ihave the right to make payments of Principal at any time before they are due. A payment of Principal only is known asa “Prepayment.” When | make a Prepayment, | will tell the Note Holder in writing that | am doing so. ! may not designate a payment as a Prepayment if | have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that | owe 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 amount of the Note. If | make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shail be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal | owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue nts. if the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, | will pay a late charge to the Note Holder. The amount of the charge will be 4.000 % of my overdue payment of principal and interest. | will pay this late charge promptly but only once on each late payment. (B) Default IF do not pay the full amount of each monthly payment on the date it is due, | will be in default. {C) Notice of Defaul If tam in default, the Note Holder may send me a written notice telling me that if | do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and FLORIDA FIXED RATE NOTE ~ Single Family - Fannie Mao/Freddie Mac UNIFORM INSTRUMENT Form 3210 1/01 Modified for FHA 9/15 (rev. 2/16) Elio Mae, Inc. Page 1 of 2 FHASZ0FLNT 0216 08222017 1124 AM PST OAN aiithe interest that 1 owe on that amount. That date must be at least 30 days after the date on which the notice is mailed io me or delivered by other means. (0) No Waiver By Note Holder Even if, at a time when | am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to_do so if | am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if | give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first Class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if | am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note. each person is fully and personally obligated to keep alll of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guar- antor, 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 all of the amounts owed under this Note. 9. WAIVERS | 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 Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the “Security Instrument’), dated the same date as this Note, protects the Note Holder from possible losses which might result if | do not keep the promises which | make in this Note. That Security Instrument describes how and under what conditions | may be required to make immediate Payment in full of all amounts | owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a ‘natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. " DOCUMENTARY TAX The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED (Seal) EBECA RUIZ (Seal) NERI RODRIGUEZ Lender: CrossCountry Mortgage, Inc. NMLS ID: 9 Loan Originator: Chris Carlos Molina NMLS ID: 1587312 [Sign Original Only] FLORIDA FIXED RATE NOTE - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3210 1/01 Modified for FHA 9/15 (rev. 2/16) Ellie Mae, Inc. Page 2 of 2 FHA3Z00FLNT 0216 FHA3200NOT (CLS) 08/22/2017 11:24 AM PST ALLONGE Loan Number: Loan Date: 08/22/2017 Borrower(s) Rebeca Ruiz Nerina Rodriguez Property Address: 6140 NW HOPKINS AVE Port Saint Lucie, FL 34986 Principal Balance: 245,471.00 PAY TO THE ORDER OF Netlorster Mort aage Lic Without Recourse Company Name: CROSSCOUNTRY MORTGAGE, INC., A Corporation LY President TH J. Leonhardt, Jr. (Title) ae ALLONGE TO NOTE LOAN NUMBER: = NOTE DATE: AUGUST 22, 2017 LOAN AMOUNT: $ 245,471.00 BORROWER(S) NAME REBECA RUIZ NERINA RODRIGUEZ PROPERTY ADDRESS: 6140 NW HOPKINS AVE PORT SAINT LUCIE, FL 34986 ORIGINAL LENDER: CROSSCOUNTRY MORTGAGE, INC., A CORPORATION PAY TO THE ORDER OF: WITHOUT RECOURSE: NATIONSTAR MORTGAGE LLC d/b/a MR. COOPER wv Laan LV tina» —— Megan Saenz ASSISTANT SECRETARY