Preview
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
EXHIBIT 4
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
NYC DEPARTMENT OF FINANCE
OFFICE OF THE CITY REGISTER
nis the insawneat
page is part of The City
Registerwinrelyon theinformationprovided
by you purposes
an this page for of indexing
this 'Aw. Re infounationun eispage
willcontrol in the event
for indexinginuposes
°°""***'**d'°d°°°°"''
ª°Y
2005031600196003002EFBDD -
SECORDING AND ENDORSEMENT COVER PAGE PAGE 1 QF 18
Document ID: 2005031600196003 Document Date:02-23-2005 Properation Date: 04-07-2005
Document Type: MORTGAGE
Document Page Count: 16
PRESENTER: RETURN TO:
LANDSTAR/COMMONWEALTIITITLE AGENCY WMC MORTOAGE CORP
170 OLD COUNTRY ROAD, SUrlE 506 1 RAMLAND RD
MINEOLA, NY 11501-4322 ORANGEBURG, NY 10962
516-336-2020
ct6431
cserrano@1andstartitle.net
PROPERTY DATA
Borough Block Lot Unit Address
QUEENS 12484 105 EntireLot 177-26 URSINA ROAD
Type: DWELLING ONLY - 1 FAMILY
Property
CROSS REFERENCE DATA
CRFN ar Document TD ar __ Year- Reel - Page or FileNumber
PARTIES
MORTGAGER/BORROWER: MORTGAGEE/LENDER:
WALTER MCDOWELL WMC MORTGAGE CORP
177-26 URSINA ROAD P.O. BOX 54089
ST ALBANS, NY 11434 LOS ANGELES, CA 90054
x Additional PartiesListedon Co-h=don Page
FEES Ah D TAXES
Fee•
Mortgage Recording $ 117,00
Mottgage Amount: $ 250,000.@ Afndavit Fon: $ 0,00
Taxable Mortgage Amount: $ 250,000.00 NYC Real Property Transfer Tax Filing Fee:
Exemption: $ 0.00
TAXES: County (Basic): $ 1,250.@ NYS Real Estate Transfer Tax:
City(Additional); $ 2,500.® $ 0.00
Spec(Additional): $ 0.00 RECORDED OR FILED IN THE OBFICE
... TASF; .. JL 625.00 OF THE CITY REGISTER OF THE
MTA: $ 6@.® CITY OF NEW YORK
NYCTA: $ 0,00 Recorded/Flied 04-15-2005 18:22
Additional MRT: 5 0.01_ CityRegister FiloNo.(CRFN)
TDTAL; $ 4f/5.00 2005000220497
CityRegnisterOþ cial Signahere
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
NYC DEFARTMENT OF FINANCE
OFE1CE OF TitE C11Y REGISTER
..
2005031600196003002CF95D
RECORUANGAND ENDORSEMENT COVER FAGE (CONTINUATIQly PAGE 2 QF 1$
Decament ID: 200581689196883 Docament Date:02-23-2005 Pmaration Date:04-07-2005
Document Type: MORTGAGE
PARTIES
MOR1GAGER/BORROWER: MOR1GAGER/BORROWER:
MERLINS MCDOWELL A/E/A MERLENE MCDOWELL
177 26 URSINA ROAD 177 26 URStNA ROAD
ST. ALBANS, NY 11434 ST. ALBANS, NY 11434
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
AAer RecordingReorn To:
tes:MisteGAGE CORP. - POST CLO833tG
1 RMdLAMD20AD
, wr 19962
CT643
lapaneAboveTMo
use Formmonnsg na[
MORTGAGE
WORDS U5ED OPTEN IN'l108DOCUMENT
(A)*Seeuritylmstrantent."
This Amm widch is dated 2005 together
23,
wth all Ridersto this documucar,
wil In h"
Embruary
be cathd the"Seceity
* Bum' AND
(8) "Berrower MEal.DiE MCDOWEtA. A5/A MERLENE MCDOWELT.
whoecaskhaosis 177 2d URSath RQAD,., ST. AtBAK8, NY 11434
"Bonower" and 1" or "age."
win be caDod
sometinues sanetmas simply
*MERSS is MortgageElectronic Registration HER,S Is a separateourporadomdus in acting
(C) Systens, Inc.
solely as a munines for Leader and Leader's successorsemi saulgas. MERS is the bene6clary ander tMs
tastrumment MERS is organized and cidsthg under the laws of De¾
Security modlies an addressand
485014026, teL (888) 679.MERS.
acleplonenoneer of P.O.Box 2026,Flist, MI
(p)=Lenger." *msc asonsonancons.
" Iender is a
wGIbece8ed"Inder corporationor associatim:whichexists nodorelseIawsof
CAT.250atIZA . Tmirr's
addamsis P.O. 80K 54089 LDS
Juncursas,CA 90054-0089 .
notesignedby Borrower anddated 2005 "Note."
(E) "Nots."'Ibe February 23, win be calleddue
h Note showsthat I own Leader
r-o sundr•d Fift-Y thousand And 09/100
Delhus(1J.S.3250, 000. 00 ) plus insene sad other amones ttst resy he payable.I have
prondeeduspay this debt is Periodk:Psynames
andto pay the debtin thU by
maron 1, 2035 .
esw vonx-snan,r...ny-s.m-sem ss..unanamnormammer rarmanout
vonan/*/seen (Mas/gf/
Jpgged
accesurra
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
I'age
ALL that certain piece
plot, or peroel wilh
of land, the bulkingeand
irnprovementsthereon erecled,alluete.
lyingand beingin theBorough and
County of Queens. City and State
of New York,bounded and deserted as
follows:
BEGINNING at a the corner
fbnnedby the IntersecUon
of the Southedyside of
Ursine Road withthe Easterly
eldeof IrwinPlace,as sold and
otreet road are
Gadens°
shown on a certainInspenetied"Mep of GolMew filed
Aupst 27th,
1924 so Map #4548;
RUNNING THENCE Southerlyalong theEasterlysideof 1:win Place,
100 feet:
THENCE Easterly with
parallel elde of theine
the southerly Road, 20 feet:
THENCE Northertyparallet
with of Irwin
the Eastes1y side Pfooe endpart of the
distencethrough 100feet
a party well, to the
southesty side of Ursine
Road:
TIENCE Westady along theSoutherly elde of Ureina
Road. 20feetto the point
ar pieceof GEGINNING.
Together withrights
and prMinges and Subject to the
burdens of Declandlon of
Rightof Way contemed in Liber$443 ep 28.
Said premissebeing known ee 171-26 theineRoad a.k.a126-01 frwin
Place, St
Albane,New Yodr.
. .
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
superty.• 1he ," will
dat is desodbedbelow in Ibn sectica titled "Deacription
propag be
called the "Property."
"Leam" aloan"
(G) The neant the debt evidaced by the Nole, plus interest,any prepaymentchaqps and late
chargeadacundertin Note, andall susnsdueunderthis Seceity ha=•-er
plus intement.
(H) "Same Secared" the
anotues desaibedbelow in thesectica litled "Boerower'sTramfor to Iander ofRights
in the Property"sometimeswill be ealledthe*SumsSecured."
"Riders."
AII Ridersadschedto this Security Instrumentthat are signed by Borrower will be called "Ridas,"
(I)
The following Biden areto be signedby Bonower [chackbox as applicable):
AdjustabloRateRider ContianeannRider SecondHomeRider
BalloonRider PlannedUnit DevelopmenrRider Biweel$y PaymentJuder
I-4 Fantly Rider Osber(s)(specify]
Law,"
(J) "Appilesble AllcontroRing applicable federal, state and loott statutes,regulations, ordisuncesand
adsmnishaliveagesand orders (that have theeGhctof taw) m well asall applisable fmal, non-appealable,
jadinial
opinionewill be called "Applicable Law."
Association Dues,Feas, sad Amamments " All dues,fee, anessmech, andotherchargesthat
(K) "Cotpraunity
are insposedon Borrower or the Property by a condami=
association, homeownessamociation or similar
organizationwift becalled "Cor=numiry AssociabonDues,Fess,andAssessments."
Transfer." Transfer"
mean•any transfhrormoney, other than by check,
(L) "Electronie Funds "Electronic Foods
draft, or similar paper instrurment,which is mitiated through an electronic rermirmf. telephenic instrurners,
computer,or nugnetic tapsso as to order, intruct, or aulborizea financial imtitution to debit or codit an asement-
Somecommonexamplesof an HiecmmicFendsTransferarepoint-of-sale transfas (wheuea cardaucleas an asset
transactions, transfers inifú*d
or detNl card is Incd at a rncrchant), ant0EMted1eller nuchise (or ATM) by
transfers.
telephere, wire tramfers, andautomatedcleartrasbouse
kenu."
hae itemsthatnmdescribedin Section3 willbe Isma"
called"Escmw
(M) "Eacrow
Proceeds." "Miscellaneous Proceeds" nienns
IN) "Miseeilaneous any compensation, settlement, award. of
damages,or rme*ata maned la
paid by any third party (other than (asaranceProceeds,a
and paId underIbe
coveragedescribedin, Section 5) for. (i) donage to, or destrucsonof, the Property;(ii) Candaemanonor ether
taleingofall or any part of the Property;(Lit)conveyancein lieu of Condernnationor saleto avoid Conrannmeicalor
of or omissenaas to, the value and/orcondition of the Propeny.A taking of the Property
(iv) misrepresenmelans
densin is known as "Couwhandan."
by any governmentalauthority by emdnent
"MortgageInsuranea." aldortgage insurance"meansinsuranceprotecting Leaderagainstthe neapaymentof,
(0)
or default on, theLoan.
Payment." 1he tbt (l) priorJpal and anscrestunfer the Noto,and (ii)
(P) "Periodic agularly scheduledamountdue
Payment."
underSecuon3 wGIbecaBed''Periodie
any arauumss
"RESPA." "RESPA" rpenasthe Real EstateSettle:nentProceduranAct (l2
UE.C. §2601 et seq.) and its
(tB
Part3500),as they might be amendednom thm antime, or any
implementag regulation, RegulationX (24 C.PA
additional or accessor Icgislation or segulationthat governs the asrnesubject matter. As ined in this Security
''RESPA" terms to
lasnanent, all requirementsand restrictmasthat are Irrypenedin regardto a "federally related
loan" evenif the IAas doesnot
mortgage qualify asa "federally relatedasutgageloorf paderItB5PA.
BORROWER'S TRANSFER TO (2NDER OF RICHTS IN THE PROPERTY
-
I anortgage,grant, and convoy the Propestyto MERS (sciety as nam4-a for Lenderand I ender's
is
imerest)and as successorsin interestasbject10the terms of this Security Instnanent This massisthat, by sigsdeg
this Security histrument, I am giving Iander thoserights that sm statedin this Scourity Instermot andalso those
aghts (bst Applicabic Law givez to Icaderswhohold mortgagesan sealpropertyJ ant giving lander theserights to
protectLeaderRootpassibleZouses
thatmighrresultiff
fail to:
(A) Pay all the amoaststing I owe Leaderassated in theNote I"rd•ding
bet not taminedto, an anewals,
or the Note;
extensiontandawaMAemiens
(B) Pay, with interest,any amountsthat Leaderspenis anderthis Security Instranent to prolect the value
or the Propertyand Leader'stighasin the Paperty; and
(C) Keep all of my odar parunks andagzeemeans
underthis Security lastenomatandthe Note,
New woutE-esis Fan4-finasieMsefFraiseMarintrostM ENSTRI)MEffr FennsetSt st
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
andaguee&at MERSholds only legal title to therights grantedby sapin
Scendly ingnament,hut.
if necessaryto comply with Jawor custom,MERS (asnondoneSir La
derand Leadetssuccesson and assigns)has
theright•
.
(A)10exerciseany or sit of thoselights, ¾rNap
but not ilndeedsesthe right to foreetoseand sett the
Property;and
(B) to tska any action requiml of Leader including, but pot 1knited to,
teleasing and canceling this
SecurityInstnanent,
DESCRIPTION OF 1HE PROPERTY
I give Mi!RS (solely as soroincefor t =be
and Leader'ssuccessotain innemst)tig|Its in the
Property describedin
(A) through (G) below·
(A) he Propertywhich is loomsed
ar . 177 26 115U53ti4RORD,.
[steelj
ST. AYalurs , New York 11434 .
stuy,rowserwrsast EElp
Cadel
This Propertyis in
Onams County.It hasthe foBowing tossfdescripsione
ZiEGAL DItsca2przcatastwnsnm anmTo AND smDB A PART NEmWW AND 3QNMRIAB
525252T rA '
.
(B) All buildings ad
other impmvemnotsthat arc locatedon the hoperty describedin subsection(A) of
ais section;
(C) All r¼bta in other property that I haveas owner of the Propertydescribedin subsectica(A) of this
attachedto 1bePropouty;"
section.Theserights areknowmas"enarammeandapportenances
(D) AR rights that t havein the fand which lies in the streetsor roadsin ftent of
cr nest u4 tigoProperty
describedin subsection(A) of this section:
(E)All that
fixkxes arenoworinSofuture
wiRbeontbs Property describedfamobsections(A) and (B) of
this section;
(P)Allof úghts
lbo mad describedin
propeuty subsections
(B) through (E) of this section ast I acquirein
me rutnse;and
(G} All replaccrasntsof at additionsto the Propaty descdbedin subsecticos(B) through (F) of this secdon
andall InsurancePaceedsfor lossor damageto, andall MiscellaneousPaceeds of the Propeutydescribed
in subsectiots(A) through (F) of this section.
BORROWER'S RICEEETO MO3ffGAGE THE PROPERTY AND BORROWE1tS OBMGATION TO
DEPEND OWNERSIHP OF THE PROPERTY
I otomise that: (A) I lawfbuy own the Property;(B) I havethesight to mortaage,grantand convey me Property to
Leafer; and (C) there are no outstsodingclairra or chargesagainstthe Property,emspt for thosewhieb are of
public record.
I give a geporalwarranty of tide to Lender.This recansthat f wUIbe thDy responsiblefor any losseswhicleIAGder
suffers becausesomeonsother dunnsmyselfhas sonnaof the dglgs in abeProperty which I p==J•*
der I base. I
proadse&# 3 w0I defendmy aneership of the Paperty ngsirar any chiesof
suchrig1sts.
NSWYORA¬Sinqpe
Family-.Peemie
AGastenham
IIIseIINSPDgtilt
ONrt1tt/BssClfr Ibrm3s33248
age #%geJ af (Spage)
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
PIRN LANGUAGE SECURATY INSTRUMIL8ff
'this Security insmanus contabs proniisesand apeomentsthat ato used in sealproperty asanity instrumentsan
conary. It also contains other promisesend agr-a
ever tic that waty in difthrent para of the enantry.My
aplainlanguage."
pmmisesandagnementsare statedin
COVENANTS
1psorniseandl agreewith lander as follows·
1.Berteteer's Premise to Pay. I will pay to lander an tinueprincipal and interestdue undertheNote ami
any prepayment,late chargesand other amountsdue undertheNotc. I will also pay a5 ampiunsfor Eacnre Itsus
underSection3 of this Seceity 19strament.
currenny.if any of my
Paynientsdueander the Note and this Security Instrurnentshall be madein UK
paymostsby checkor etherpaynient insmunentis retumedsolander unpaid, Leader may require my paymentbe
made by: (a) cash;(b) nioney ordec (c) certlacd clieck,hank cliecir, treasizer's checit or cashier's check, drawn
agency,instrumentality, or entity; or (d) Electronic
upon an institution whose depositsare insured by a faleial
FundsTiansfer.
Paymentsaredeemedreceivedby Leader whenseceivedsathe locationrequiredla the Note, or atanothar
location desigriatedby Leoder under Section 15 of this Security Instrimacat.lander may letum or accept any
ytuentqi pattist paymentif it is fur an annountthat is losathan the annountthat la thcadus. If Leaderacceptsa
payment,Leader atay Icfuse to accepta 1csserpaymentthatI may makein thefuture anddoesnot waiveally
of its rights. Leader is not obligatedto apply such lesserpaymentswhomis acceptssuchpaynieties.If inscreston
principat acemesas if all Periodic Paymcatshad been paid when due, then Leader meednot pay interest on
ansppliedfunds.Leaderinay hold suchunappliedfundsuntil l makepayracclsto bring the Loancornmt.If I donot
do so within a reasonableperiod of time, Leaderwill cither apply such fundsor icturn them to me. intheevent of
be applied to ilto outmanding principal balanos immediately prior to
fosectomre, any unapplied ñmds wilt
famelosure.No affseror claim which I might havedower in the futureagainstLeaderwill reGeveme froma
Ing
paymentsdue under tite Note and this Security Instrtunentor 1mepingall of my other promisesand agreements
imtrument.
sectnedby thisSecurity
2. Application
ofBarrower's or
Payments and Insurance Ptoceeds, Unless Applicable law
this
Scetion2 requiresotherwise,Leaderwill apply eachofmy paymentsthat Leaderacceptsin the foMowingouter:
Pirst, to pay interestdueunderthe Note;
Next to pay principal dueunderGmNototand
Next, to pay the amounisdueLeaderunderSection3 of this SecurityInsnument.
Suchpaymmtswill be appliedto eachPeriodicPaymentin sticorder in which it beganeduo.
Any repaining amotruswill beapplied asfollows:
First, to payany late charges;
Next, in pay any otheramountsdueimdcr this SecurityInstrumont:and
Next. to reducetheprincipal bahmcoof theNote.
If I=hereceivesa payment from me for a late Periodic Paymentwhicit includesa anSiclestampuatto
Paymentandthe latecharge.If inore than
pay any lamchangedue, the paymnatmay be appliedto the intoPeriodio
one Periodie Iraymentis due. Leader may apply any paymentreceivedfront ne: First, to Ibo sepaymentof the
and to the endentthat, eachpaynientcan be paid in thil; Next, to the extentthat
PeriodicPaymentsthat arc due i(
seehexcess
or morePeriodic Paymmate,
any eacessexisa aGerthe paymentis applied to the full paymentof one
mayheappliedto any late chargesdne.
be applied as follows: First, to any prepaymentcharges; sed Next, as
Vohmtaty prepaymentswilt
describedin the Notet
MiscellaneousProceedsto principal due inder Ibe
Any applicationof payments,InsurancePmceeds,or
Note will notextend or postponethe duedateof thePeriodiePaymentsor changethe amountof thosepayments,
3.MonthlyPaymentsFor Taxes And fasurance.
(a) Borrower's I win psy to Leaderall amountsnecessaryto pay for taxes,asseasslents,
obligations.
any), hazardor
water changes,sewer rents and other similar chages, ground leascholdpaymentsor rents (if
a Loss
pmpany insurancecovering the 1%pedy, flood inaurance(if anyh and any requiredMortgageInsmance,or
of Mortgage Insetance.Each Periodic
Itzserve as describedin Section 10 in the willloclude att
llowing itemswhicharecalled "Escrow2enn:
armountto be appliedtowardpaymentof the
water charges,sewer songsand odgarainu·larobagges,on sheProperty which
(1) The taxes,assegaments,
underApplicable Law may be auperior to this SectarityInstrummt as a Lien on the Property.Any cisins,
FaunpFansieasspreadsassetstFogue INBfatemNT
MEWy0f tEG-8msle Perm3es3
141
assas/apan asd ftJres•d
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
or chargethat is rmde againstproperty hr•=••
an obligation basnot ed is Jasomeas a
(2) The 1=hnMpaymemsor ground seatson the (if any);
3)'Die pth muf= inder Secnon5 of 1hisSecurityLatnungat:
for any atutan insuranceregukedby
(4)‰ peernianfor MortgageInsurance(if any);
(5) The amnuptImay be requhedto pay LeaderunderSection10of tidsSecurity Inernmentinsteadof the
payanentof theprendumfor BdortgageImurance(if any); ami
Ibe amiountfor anyConmainity A--iarian
(6)Ifraquired by I=l-r, Daos,Fees,and A-an,
After signing the Note,or at any time during its tenn, Landermay includetheseamoaulsas Escrowiguns,
h monthlypaymentIwtil
make forEscrowItems
win behasedon counate of the =ual
Londer's ammons
reqIsimL
( win pay all of thesea=na
to LenderentessLeadertcBr me, in writing, that1 do not haveto do so, or
unlessApplicable law requuesotherwise.I will makethesepsyrneatscu daramneday that anyPeriodic Paymran
of principal andimstostaredueunder theNote.
The stneantsthat I pay to Lander (br Escmw Items underdtis Section3 will be called TsacrowFumls." I
will pay Leaderthe EsotowReds for Escrow RemsunlessLeader wahes my obligadonto pay the EscrewPunds
Ibr any or all Escrewhana. Leadermay waive my obligation to pay to lender EserowFundsforany or all Escuow
Itemsat any titne. Any such waiver mast be in writing. In the evcatof suchwaiver, I will pay disecdy,when and
where payable, the amotsts thic for any Escrew tioms for which payinentof Escrew Fundshasbeen waived by
Leader and, If Landst requires, win promptly seed to Londer receipts showing such paymentwithin such time
to atid to provide receiptswill be consideredto
period as Leader may require.My obligation to makesuchpa
r asthephrase"pnamsesand agreements"is ased
bea proneseandagreemeatcontainedin this Security Instre
is Section9 of this Secunty Instrumcat If I am obligatedto pay EscrewItems direcay, purseantto a waiver, and I
fail to pay the amountdue for an Escrow Item, Leader ey
pay that amountand 1 will
then be obhgaledander
Section9 of shtssecurity Insausient to repay to Leader. Lender nay mvoke rhe waiver as to any or all Esotow
Items at any time by a notice given in accoidancewith Section IS of this Security Instrument and, upon the
sevocation,I will pay :o LeaderallEscrew Funds,and in arnounts,thatarethenrequiredanderthis Section3.
I promiseto promptly sendto Lender any noticesthatI receiveof EscrowItem amoentsto bepahi.Lender
wilt esnmatethus dme to tium tim amountof EsczowFundsTwill haveto pay by using existing assessments
and
hills and reasonableestinntemof the amount I will have to pay for EscrowItems in the future, unlessApplicable
Law sequiresLenderto useanothermethodfor deterrainingthe amountI amto pay.
t.cader rany,at nay time, setteccandhold EsevowPundsin an annountsufficient to perrrit tander to apply
RESPA.Applicabic Law puts limits on the total anumatof Escrow
the Escrow Fundsat the time specified usier
limdrLender can at any time collect and hokL This total anxmta camsotbe more than the =in=
announta
fendercould require ander RESPA. It thero is another Applicable Law titar imposesa lower finst on the satal
anoter of SacrowFuadsLeadercancollect and hold, I mfer wdl belimited to thelower amoung,
Lender will keep die EscrowPundsIn a savkagsor banking instituuen which
(b) Leader's Obligaties.
ins its deposits imaned by a federal agency, instnanentality, ar entity, at in any Federal Home LoamBank. If
tander is such a savingsor hanHne instituties, I eader may isid
the Escrew Funds.tander will use the liscsow
time allowed underRESPAor other Appitcable Law. Lenderwil
J¾Indsto pay the Esciaw frens no later than 111c
give to nic, without charge,an annual accountmgof absEscrow Funds.That accountingwill abow all aMirlane 10
mui deductionsfrensthe EscrowFundsand the reasonfor eschdediction.
Leader may not chargeme for holdhig or keeping the Escrow I ads, for intag eic Escrew Pundsm pay
liscrew Iteau, Ibr ==Hay a yundy analysisof my paymentof SacrowFondsor (br receivma, or for verifying and
andbills. However, Lender may chargeme fur theseservicesif Leaderpaysme insenest
totalfag assessments su the
EscrewFundsandif ApplicableLaw partnits Leaderto inaicesucha charge.Leaderwill not be sequiredto pay me
on the EncrowFunds unlesseither (1) Leader andI agreem writing that lander will pay
any interest or caninp
inimeston the EscrowFunds, or (2) Applicable Law requiresI Ander10pay Stereston the EscrowFunds.
(c) AdjhgfEnratsto the Enerost Funds. Under Applicable Law, themeIs a thnIt on the amountof Escrow
Funds r ,nsts nay held. If de amomerof EmerowFunds held by r mari•rexceedsthis limit, themthesewill be m
ewme amount andRESPA rtstairesLenderto secountto rapis a spechl usmnerfor the excessarocust of Escrom
Funds,
U', at any tirne, Leaderhas not receivedanoaghEscrow PandsIn make die paymentsof Esciow Iterns
when the paymentsaro dae, lander nay tell ine ta writing tlint an •Maian-1 amount is necessary.I will yay as
Leader whateveradditional anpont is to pay Are Escrow Items when the paymentsme due, but the
numberofpaymengswill not be anotethaa 12.
NEWV.ORN--8Msis ManfrediNsMartiNMIOaMtFarrltUntElfF
Family..Fannie Fenn.1sss
1/ss
is/astases arseh/nemum
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017
NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020
WhenI havepaid all of the SusnsSeemed,Lemidstwill preraptly refund to me
w Puadsibnt age
any
then beingheld by Leader.
4, Borrower's
Obligation to Pay Charges, AssesssnestsAnd Claims. I will pay all laxes,assessments,
water stages, sewerrents and other siruthe charges,and any other chargesand fines that
ngaybe introsed en (bo
andthat
Property may besuperiorto this Scendly Instnument.I will stcomake groundrentsor paymentsdueunder
my leaseif I ama tenantan tbo Propertyand Conmumty Association Dnes,Fees,andAssessments(if any) due on
the Property.If theseiterns arc Escrow Itcars, I will do this by =Wng
the paymentsas describedin Sectios3 of
this security Instrument In this Security Imanunent, the word "Person' means
any individual,
authority or other party.
govennmental
I will
promptly pay or satisfy all Liens against the Psoperty that may be superior to this Security
tashament Howmer, this Security Instrumentdoesnot require me to satisfy a superior Lien ifi
(s) I agree. in
writlag, to pay theobligation which gaverise to thestaperiorLien and Leaderapprovesthe way in which1agree to
pay that obligation, but only so long as I am performingsuch agreement;(b) in goodfhith, 2argueor defbadagainst
thesuperiorLies in a lawsuit so thatin Leader'sopinion, during the tawsuit,the superiorLicn
may not beenfamed,
but ottly until dio lawsuit et1ds;or (c) I securefrom theholder of that other Lies art agreestment,
approvedin writing
by Lender,thattheLien of this SecurityInstrumentis superiorto theLica held by that Person.If Landerdaf•nnian
that any part of the Property is mabjectto a superior Lica, L:nder uny
give flanower
a notice identifying the
superiorLien. Within 10 daysof the dateon which tiie notice is given, Borroner shall pay or satisfy the superior
Lien or takeons or moreof the actionsmemtiottedin dris Section4,
Leaderalso may require me to pay a one-timechangefor an independcatscalestatetax
teporting service
elsedby Tenderin connectionwiththe Loan, unlessApplicable Law doesnot pesmitLenderto roakeach achange.
5. Borrower's Obligation to Maintain
ifazard hsurance
or Praperty Insurance. I will obtain hazant
or property instrance to coveran buildingsandorher inprovementsdut now are, or ht the thaue will be, locatedon
the Property.The ins
Preview
FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 EXHIBIT 4 FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 NYC DEPARTMENT OF FINANCE OFFICE OF THE CITY REGISTER nis the insawneat page is part of The City Registerwinrelyon theinformationprovided by you purposes an this page for of indexing this 'Aw. Re infounationun eispage willcontrol in the event for indexinginuposes °°""***'**d'°d°°°°"'' ª°Y 2005031600196003002EFBDD - SECORDING AND ENDORSEMENT COVER PAGE PAGE 1 QF 18 Document ID: 2005031600196003 Document Date:02-23-2005 Properation Date: 04-07-2005 Document Type: MORTGAGE Document Page Count: 16 PRESENTER: RETURN TO: LANDSTAR/COMMONWEALTIITITLE AGENCY WMC MORTOAGE CORP 170 OLD COUNTRY ROAD, SUrlE 506 1 RAMLAND RD MINEOLA, NY 11501-4322 ORANGEBURG, NY 10962 516-336-2020 ct6431 cserrano@1andstartitle.net PROPERTY DATA Borough Block Lot Unit Address QUEENS 12484 105 EntireLot 177-26 URSINA ROAD Type: DWELLING ONLY - 1 FAMILY Property CROSS REFERENCE DATA CRFN ar Document TD ar __ Year- Reel - Page or FileNumber PARTIES MORTGAGER/BORROWER: MORTGAGEE/LENDER: WALTER MCDOWELL WMC MORTGAGE CORP 177-26 URSINA ROAD P.O. BOX 54089 ST ALBANS, NY 11434 LOS ANGELES, CA 90054 x Additional PartiesListedon Co-h=don Page FEES Ah D TAXES Fee• Mortgage Recording $ 117,00 Mottgage Amount: $ 250,000.@ Afndavit Fon: $ 0,00 Taxable Mortgage Amount: $ 250,000.00 NYC Real Property Transfer Tax Filing Fee: Exemption: $ 0.00 TAXES: County (Basic): $ 1,250.@ NYS Real Estate Transfer Tax: City(Additional); $ 2,500.® $ 0.00 Spec(Additional): $ 0.00 RECORDED OR FILED IN THE OBFICE ... TASF; .. JL 625.00 OF THE CITY REGISTER OF THE MTA: $ 6@.® CITY OF NEW YORK NYCTA: $ 0,00 Recorded/Flied 04-15-2005 18:22 Additional MRT: 5 0.01_ CityRegister FiloNo.(CRFN) TDTAL; $ 4f/5.00 2005000220497 CityRegnisterOþ cial Signahere FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 NYC DEFARTMENT OF FINANCE OFE1CE OF TitE C11Y REGISTER .. 2005031600196003002CF95D RECORUANGAND ENDORSEMENT COVER FAGE (CONTINUATIQly PAGE 2 QF 1$ Decament ID: 200581689196883 Docament Date:02-23-2005 Pmaration Date:04-07-2005 Document Type: MORTGAGE PARTIES MOR1GAGER/BORROWER: MOR1GAGER/BORROWER: MERLINS MCDOWELL A/E/A MERLENE MCDOWELL 177 26 URSINA ROAD 177 26 URStNA ROAD ST. ALBANS, NY 11434 ST. ALBANS, NY 11434 FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 AAer RecordingReorn To: tes:MisteGAGE CORP. - POST CLO833tG 1 RMdLAMD20AD , wr 19962 CT643 lapaneAboveTMo use Formmonnsg na[ MORTGAGE WORDS U5ED OPTEN IN'l108DOCUMENT (A)*Seeuritylmstrantent." This Amm widch is dated 2005 together 23, wth all Ridersto this documucar, wil In h" Embruary be cathd the"Seceity * Bum' AND (8) "Berrower MEal.DiE MCDOWEtA. A5/A MERLENE MCDOWELT. whoecaskhaosis 177 2d URSath RQAD,., ST. AtBAK8, NY 11434 "Bonower" and 1" or "age." win be caDod sometinues sanetmas simply *MERSS is MortgageElectronic Registration HER,S Is a separateourporadomdus in acting (C) Systens, Inc. solely as a munines for Leader and Leader's successorsemi saulgas. MERS is the bene6clary ander tMs tastrumment MERS is organized and cidsthg under the laws of De¾ Security modlies an addressand 485014026, teL (888) 679.MERS. acleplonenoneer of P.O.Box 2026,Flist, MI (p)=Lenger." *msc asonsonancons. " Iender is a wGIbece8ed"Inder corporationor associatim:whichexists nodorelseIawsof CAT.250atIZA . Tmirr's addamsis P.O. 80K 54089 LDS Juncursas,CA 90054-0089 . notesignedby Borrower anddated 2005 "Note." (E) "Nots."'Ibe February 23, win be calleddue h Note showsthat I own Leader r-o sundr•d Fift-Y thousand And 09/100 Delhus(1J.S.3250, 000. 00 ) plus insene sad other amones ttst resy he payable.I have prondeeduspay this debt is Periodk:Psynames andto pay the debtin thU by maron 1, 2035 . esw vonx-snan,r...ny-s.m-sem ss..unanamnormammer rarmanout vonan/*/seen (Mas/gf/ Jpgged accesurra FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 I'age ALL that certain piece plot, or peroel wilh of land, the bulkingeand irnprovementsthereon erecled,alluete. lyingand beingin theBorough and County of Queens. City and State of New York,bounded and deserted as follows: BEGINNING at a the corner fbnnedby the IntersecUon of the Southedyside of Ursine Road withthe Easterly eldeof IrwinPlace,as sold and otreet road are Gadens° shown on a certainInspenetied"Mep of GolMew filed Aupst 27th, 1924 so Map #4548; RUNNING THENCE Southerlyalong theEasterlysideof 1:win Place, 100 feet: THENCE Easterly with parallel elde of theine the southerly Road, 20 feet: THENCE Northertyparallet with of Irwin the Eastes1y side Pfooe endpart of the distencethrough 100feet a party well, to the southesty side of Ursine Road: TIENCE Westady along theSoutherly elde of Ureina Road. 20feetto the point ar pieceof GEGINNING. Together withrights and prMinges and Subject to the burdens of Declandlon of Rightof Way contemed in Liber$443 ep 28. Said premissebeing known ee 171-26 theineRoad a.k.a126-01 frwin Place, St Albane,New Yodr. . . FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 superty.• 1he ," will dat is desodbedbelow in Ibn sectica titled "Deacription propag be called the "Property." "Leam" aloan" (G) The neant the debt evidaced by the Nole, plus interest,any prepaymentchaqps and late chargeadacundertin Note, andall susnsdueunderthis Seceity ha=•-er plus intement. (H) "Same Secared" the anotues desaibedbelow in thesectica litled "Boerower'sTramfor to Iander ofRights in the Property"sometimeswill be ealledthe*SumsSecured." "Riders." AII Ridersadschedto this Security Instrumentthat are signed by Borrower will be called "Ridas," (I) The following Biden areto be signedby Bonower [chackbox as applicable): AdjustabloRateRider ContianeannRider SecondHomeRider BalloonRider PlannedUnit DevelopmenrRider Biweel$y PaymentJuder I-4 Fantly Rider Osber(s)(specify] Law," (J) "Appilesble AllcontroRing applicable federal, state and loott statutes,regulations, ordisuncesand adsmnishaliveagesand orders (that have theeGhctof taw) m well asall applisable fmal, non-appealable, jadinial opinionewill be called "Applicable Law." Association Dues,Feas, sad Amamments " All dues,fee, anessmech, andotherchargesthat (K) "Cotpraunity are insposedon Borrower or the Property by a condami= association, homeownessamociation or similar organizationwift becalled "Cor=numiry AssociabonDues,Fess,andAssessments." Transfer." Transfer" mean•any transfhrormoney, other than by check, (L) "Electronie Funds "Electronic Foods draft, or similar paper instrurment,which is mitiated through an electronic rermirmf. telephenic instrurners, computer,or nugnetic tapsso as to order, intruct, or aulborizea financial imtitution to debit or codit an asement- Somecommonexamplesof an HiecmmicFendsTransferarepoint-of-sale transfas (wheuea cardaucleas an asset transactions, transfers inifú*d or detNl card is Incd at a rncrchant), ant0EMted1eller nuchise (or ATM) by transfers. telephere, wire tramfers, andautomatedcleartrasbouse kenu." hae itemsthatnmdescribedin Section3 willbe Isma" called"Escmw (M) "Eacrow Proceeds." "Miscellaneous Proceeds" nienns IN) "Miseeilaneous any compensation, settlement, award. of damages,or rme*ata maned la paid by any third party (other than (asaranceProceeds,a and paId underIbe coveragedescribedin, Section 5) for. (i) donage to, or destrucsonof, the Property;(ii) Candaemanonor ether taleingofall or any part of the Property;(Lit)conveyancein lieu of Condernnationor saleto avoid Conrannmeicalor of or omissenaas to, the value and/orcondition of the Propeny.A taking of the Property (iv) misrepresenmelans densin is known as "Couwhandan." by any governmentalauthority by emdnent "MortgageInsuranea." aldortgage insurance"meansinsuranceprotecting Leaderagainstthe neapaymentof, (0) or default on, theLoan. Payment." 1he tbt (l) priorJpal and anscrestunfer the Noto,and (ii) (P) "Periodic agularly scheduledamountdue Payment." underSecuon3 wGIbecaBed''Periodie any arauumss "RESPA." "RESPA" rpenasthe Real EstateSettle:nentProceduranAct (l2 UE.C. §2601 et seq.) and its (tB Part3500),as they might be amendednom thm antime, or any implementag regulation, RegulationX (24 C.PA additional or accessor Icgislation or segulationthat governs the asrnesubject matter. As ined in this Security ''RESPA" terms to lasnanent, all requirementsand restrictmasthat are Irrypenedin regardto a "federally related loan" evenif the IAas doesnot mortgage qualify asa "federally relatedasutgageloorf paderItB5PA. BORROWER'S TRANSFER TO (2NDER OF RICHTS IN THE PROPERTY - I anortgage,grant, and convoy the Propestyto MERS (sciety as nam4-a for Lenderand I ender's is imerest)and as successorsin interestasbject10the terms of this Security Instnanent This massisthat, by sigsdeg this Security histrument, I am giving Iander thoserights that sm statedin this Scourity Instermot andalso those aghts (bst Applicabic Law givez to Icaderswhohold mortgagesan sealpropertyJ ant giving lander theserights to protectLeaderRootpassibleZouses thatmighrresultiff fail to: (A) Pay all the amoaststing I owe Leaderassated in theNote I"rd•ding bet not taminedto, an anewals, or the Note; extensiontandawaMAemiens (B) Pay, with interest,any amountsthat Leaderspenis anderthis Security Instranent to prolect the value or the Propertyand Leader'stighasin the Paperty; and (C) Keep all of my odar parunks andagzeemeans underthis Security lastenomatandthe Note, New woutE-esis Fan4-finasieMsefFraiseMarintrostM ENSTRI)MEffr FennsetSt st FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 andaguee&at MERSholds only legal title to therights grantedby sapin Scendly ingnament,hut. if necessaryto comply with Jawor custom,MERS (asnondoneSir La derand Leadetssuccesson and assigns)has theright• . (A)10exerciseany or sit of thoselights, ¾rNap but not ilndeedsesthe right to foreetoseand sett the Property;and (B) to tska any action requiml of Leader including, but pot 1knited to, teleasing and canceling this SecurityInstnanent, DESCRIPTION OF 1HE PROPERTY I give Mi!RS (solely as soroincefor t =be and Leader'ssuccessotain innemst)tig|Its in the Property describedin (A) through (G) below· (A) he Propertywhich is loomsed ar . 177 26 115U53ti4RORD,. [steelj ST. AYalurs , New York 11434 . stuy,rowserwrsast EElp Cadel This Propertyis in Onams County.It hasthe foBowing tossfdescripsione ZiEGAL DItsca2przcatastwnsnm anmTo AND smDB A PART NEmWW AND 3QNMRIAB 525252T rA ' . (B) All buildings ad other impmvemnotsthat arc locatedon the hoperty describedin subsection(A) of ais section; (C) All r¼bta in other property that I haveas owner of the Propertydescribedin subsectica(A) of this attachedto 1bePropouty;" section.Theserights areknowmas"enarammeandapportenances (D) AR rights that t havein the fand which lies in the streetsor roadsin ftent of cr nest u4 tigoProperty describedin subsection(A) of this section: (E)All that fixkxes arenoworinSofuture wiRbeontbs Property describedfamobsections(A) and (B) of this section; (P)Allof úghts lbo mad describedin propeuty subsections (B) through (E) of this section ast I acquirein me rutnse;and (G} All replaccrasntsof at additionsto the Propaty descdbedin subsecticos(B) through (F) of this secdon andall InsurancePaceedsfor lossor damageto, andall MiscellaneousPaceeds of the Propeutydescribed in subsectiots(A) through (F) of this section. BORROWER'S RICEEETO MO3ffGAGE THE PROPERTY AND BORROWE1tS OBMGATION TO DEPEND OWNERSIHP OF THE PROPERTY I otomise that: (A) I lawfbuy own the Property;(B) I havethesight to mortaage,grantand convey me Property to Leafer; and (C) there are no outstsodingclairra or chargesagainstthe Property,emspt for thosewhieb are of public record. I give a geporalwarranty of tide to Lender.This recansthat f wUIbe thDy responsiblefor any losseswhicleIAGder suffers becausesomeonsother dunnsmyselfhas sonnaof the dglgs in abeProperty which I p==J•* der I base. I proadse&# 3 w0I defendmy aneership of the Paperty ngsirar any chiesof suchrig1sts. NSWYORA¬Sinqpe Family-.Peemie AGastenham IIIseIINSPDgtilt ONrt1tt/BssClfr Ibrm3s33248 age #%geJ af (Spage) FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 PIRN LANGUAGE SECURATY INSTRUMIL8ff 'this Security insmanus contabs proniisesand apeomentsthat ato used in sealproperty asanity instrumentsan conary. It also contains other promisesend agr-a ever tic that waty in difthrent para of the enantry.My aplainlanguage." pmmisesandagnementsare statedin COVENANTS 1psorniseandl agreewith lander as follows· 1.Berteteer's Premise to Pay. I will pay to lander an tinueprincipal and interestdue undertheNote ami any prepayment,late chargesand other amountsdue undertheNotc. I will also pay a5 ampiunsfor Eacnre Itsus underSection3 of this Seceity 19strament. currenny.if any of my Paynientsdueander the Note and this Security Instrurnentshall be madein UK paymostsby checkor etherpaynient insmunentis retumedsolander unpaid, Leader may require my paymentbe made by: (a) cash;(b) nioney ordec (c) certlacd clieck,hank cliecir, treasizer's checit or cashier's check, drawn agency,instrumentality, or entity; or (d) Electronic upon an institution whose depositsare insured by a faleial FundsTiansfer. Paymentsaredeemedreceivedby Leader whenseceivedsathe locationrequiredla the Note, or atanothar location desigriatedby Leoder under Section 15 of this Security Instrimacat.lander may letum or accept any ytuentqi pattist paymentif it is fur an annountthat is losathan the annountthat la thcadus. If Leaderacceptsa payment,Leader atay Icfuse to accepta 1csserpaymentthatI may makein thefuture anddoesnot waiveally of its rights. Leader is not obligatedto apply such lesserpaymentswhomis acceptssuchpaynieties.If inscreston principat acemesas if all Periodic Paymcatshad been paid when due, then Leader meednot pay interest on ansppliedfunds.Leaderinay hold suchunappliedfundsuntil l makepayracclsto bring the Loancornmt.If I donot do so within a reasonableperiod of time, Leaderwill cither apply such fundsor icturn them to me. intheevent of be applied to ilto outmanding principal balanos immediately prior to fosectomre, any unapplied ñmds wilt famelosure.No affseror claim which I might havedower in the futureagainstLeaderwill reGeveme froma Ing paymentsdue under tite Note and this Security Instrtunentor 1mepingall of my other promisesand agreements imtrument. sectnedby thisSecurity 2. Application ofBarrower's or Payments and Insurance Ptoceeds, Unless Applicable law this Scetion2 requiresotherwise,Leaderwill apply eachofmy paymentsthat Leaderacceptsin the foMowingouter: Pirst, to pay interestdueunderthe Note; Next to pay principal dueunderGmNototand Next, to pay the amounisdueLeaderunderSection3 of this SecurityInsnument. Suchpaymmtswill be appliedto eachPeriodicPaymentin sticorder in which it beganeduo. Any repaining amotruswill beapplied asfollows: First, to payany late charges; Next, in pay any otheramountsdueimdcr this SecurityInstrumont:and Next. to reducetheprincipal bahmcoof theNote. If I=hereceivesa payment from me for a late Periodic Paymentwhicit includesa anSiclestampuatto Paymentandthe latecharge.If inore than pay any lamchangedue, the paymnatmay be appliedto the intoPeriodio one Periodie Iraymentis due. Leader may apply any paymentreceivedfront ne: First, to Ibo sepaymentof the and to the endentthat, eachpaynientcan be paid in thil; Next, to the extentthat PeriodicPaymentsthat arc due i( seehexcess or morePeriodic Paymmate, any eacessexisa aGerthe paymentis applied to the full paymentof one mayheappliedto any late chargesdne. be applied as follows: First, to any prepaymentcharges; sed Next, as Vohmtaty prepaymentswilt describedin the Notet MiscellaneousProceedsto principal due inder Ibe Any applicationof payments,InsurancePmceeds,or Note will notextend or postponethe duedateof thePeriodiePaymentsor changethe amountof thosepayments, 3.MonthlyPaymentsFor Taxes And fasurance. (a) Borrower's I win psy to Leaderall amountsnecessaryto pay for taxes,asseasslents, obligations. any), hazardor water changes,sewer rents and other similar chages, ground leascholdpaymentsor rents (if a Loss pmpany insurancecovering the 1%pedy, flood inaurance(if anyh and any requiredMortgageInsmance,or of Mortgage Insetance.Each Periodic Itzserve as describedin Section 10 in the willloclude att llowing itemswhicharecalled "Escrow2enn: armountto be appliedtowardpaymentof the water charges,sewer songsand odgarainu·larobagges,on sheProperty which (1) The taxes,assegaments, underApplicable Law may be auperior to this SectarityInstrummt as a Lien on the Property.Any cisins, FaunpFansieasspreadsassetstFogue INBfatemNT MEWy0f tEG-8msle Perm3es3 141 assas/apan asd ftJres•d FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 or chargethat is rmde againstproperty hr•=•• an obligation basnot ed is Jasomeas a (2) The 1=hnMpaymemsor ground seatson the (if any); 3)'Die pth muf= inder Secnon5 of 1hisSecurityLatnungat: for any atutan insuranceregukedby (4)‰ peernianfor MortgageInsurance(if any); (5) The amnuptImay be requhedto pay LeaderunderSection10of tidsSecurity Inernmentinsteadof the payanentof theprendumfor BdortgageImurance(if any); ami Ibe amiountfor anyConmainity A--iarian (6)Ifraquired by I=l-r, Daos,Fees,and A-an, After signing the Note,or at any time during its tenn, Landermay includetheseamoaulsas Escrowiguns, h monthlypaymentIwtil make forEscrowItems win behasedon counate of the =ual Londer's ammons reqIsimL ( win pay all of thesea=na to LenderentessLeadertcBr me, in writing, that1 do not haveto do so, or unlessApplicable law requuesotherwise.I will makethesepsyrneatscu daramneday that anyPeriodic Paymran of principal andimstostaredueunder theNote. The stneantsthat I pay to Lander (br Escmw Items underdtis Section3 will be called TsacrowFumls." I will pay Leaderthe EsotowReds for Escrow RemsunlessLeader wahes my obligadonto pay the EscrewPunds Ibr any or all Escrewhana. Leadermay waive my obligation to pay to lender EserowFundsforany or all Escuow Itemsat any titne. Any such waiver mast be in writing. In the evcatof suchwaiver, I will pay disecdy,when and where payable, the amotsts thic for any Escrew tioms for which payinentof Escrew Fundshasbeen waived by Leader and, If Landst requires, win promptly seed to Londer receipts showing such paymentwithin such time to atid to provide receiptswill be consideredto period as Leader may require.My obligation to makesuchpa r asthephrase"pnamsesand agreements"is ased bea proneseandagreemeatcontainedin this Security Instre is Section9 of this Secunty Instrumcat If I am obligatedto pay EscrewItems direcay, purseantto a waiver, and I fail to pay the amountdue for an Escrow Item, Leader ey pay that amountand 1 will then be obhgaledander Section9 of shtssecurity Insausient to repay to Leader. Lender nay mvoke rhe waiver as to any or all Esotow Items at any time by a notice given in accoidancewith Section IS of this Security Instrument and, upon the sevocation,I will pay :o LeaderallEscrew Funds,and in arnounts,thatarethenrequiredanderthis Section3. I promiseto promptly sendto Lender any noticesthatI receiveof EscrowItem amoentsto bepahi.Lender wilt esnmatethus dme to tium tim amountof EsczowFundsTwill haveto pay by using existing assessments and hills and reasonableestinntemof the amount I will have to pay for EscrowItems in the future, unlessApplicable Law sequiresLenderto useanothermethodfor deterrainingthe amountI amto pay. t.cader rany,at nay time, setteccandhold EsevowPundsin an annountsufficient to perrrit tander to apply RESPA.Applicabic Law puts limits on the total anumatof Escrow the Escrow Fundsat the time specified usier limdrLender can at any time collect and hokL This total anxmta camsotbe more than the =in= announta fendercould require ander RESPA. It thero is another Applicable Law titar imposesa lower finst on the satal anoter of SacrowFuadsLeadercancollect and hold, I mfer wdl belimited to thelower amoung, Lender will keep die EscrowPundsIn a savkagsor banking instituuen which (b) Leader's Obligaties. ins its deposits imaned by a federal agency, instnanentality, ar entity, at in any Federal Home LoamBank. If tander is such a savingsor hanHne instituties, I eader may isid the Escrew Funds.tander will use the liscsow time allowed underRESPAor other Appitcable Law. Lenderwil J¾Indsto pay the Esciaw frens no later than 111c give to nic, without charge,an annual accountmgof absEscrow Funds.That accountingwill abow all aMirlane 10 mui deductionsfrensthe EscrowFundsand the reasonfor eschdediction. Leader may not chargeme for holdhig or keeping the Escrow I ads, for intag eic Escrew Pundsm pay liscrew Iteau, Ibr ==Hay a yundy analysisof my paymentof SacrowFondsor (br receivma, or for verifying and andbills. However, Lender may chargeme fur theseservicesif Leaderpaysme insenest totalfag assessments su the EscrewFundsandif ApplicableLaw partnits Leaderto inaicesucha charge.Leaderwill not be sequiredto pay me on the EncrowFunds unlesseither (1) Leader andI agreem writing that lander will pay any interest or caninp inimeston the EscrowFunds, or (2) Applicable Law requiresI Ander10pay Stereston the EscrowFunds. (c) AdjhgfEnratsto the Enerost Funds. Under Applicable Law, themeIs a thnIt on the amountof Escrow Funds r ,nsts nay held. If de amomerof EmerowFunds held by r mari•rexceedsthis limit, themthesewill be m ewme amount andRESPA rtstairesLenderto secountto rapis a spechl usmnerfor the excessarocust of Escrom Funds, U', at any tirne, Leaderhas not receivedanoaghEscrow PandsIn make die paymentsof Esciow Iterns when the paymentsaro dae, lander nay tell ine ta writing tlint an •Maian-1 amount is necessary.I will yay as Leader whateveradditional anpont is to pay Are Escrow Items when the paymentsme due, but the numberofpaymengswill not be anotethaa 12. NEWV.ORN--8Msis ManfrediNsMartiNMIOaMtFarrltUntElfF Family..Fannie Fenn.1sss 1/ss is/astases arseh/nemum FILED: QUEENS COUNTY CLERK 12/22/2020 04:49 PM INDEX NO. 716943/2017 NYSCEF DOC. NO. 44 RECEIVED NYSCEF: 12/22/2020 WhenI havepaid all of the SusnsSeemed,Lemidstwill preraptly refund to me w Puadsibnt age any then beingheld by Leader. 4, Borrower's Obligation to Pay Charges, AssesssnestsAnd Claims. I will pay all laxes,assessments, water stages, sewerrents and other siruthe charges,and any other chargesand fines that ngaybe introsed en (bo andthat Property may besuperiorto this Scendly Instnument.I will stcomake groundrentsor paymentsdueunder my leaseif I ama tenantan tbo Propertyand Conmumty Association Dnes,Fees,andAssessments(if any) due on the Property.If theseiterns arc Escrow Itcars, I will do this by =Wng the paymentsas describedin Sectios3 of this security Instrument In this Security Imanunent, the word "Person' means any individual, authority or other party. govennmental I will promptly pay or satisfy all Liens against the Psoperty that may be superior to this Security tashament Howmer, this Security Instrumentdoesnot require me to satisfy a superior Lien ifi (s) I agree. in writlag, to pay theobligation which gaverise to thestaperiorLien and Leaderapprovesthe way in which1agree to pay that obligation, but only so long as I am performingsuch agreement;(b) in goodfhith, 2argueor defbadagainst thesuperiorLies in a lawsuit so thatin Leader'sopinion, during the tawsuit,the superiorLicn may not beenfamed, but ottly until dio lawsuit et1ds;or (c) I securefrom theholder of that other Lies art agreestment, approvedin writing by Lender,thattheLien of this SecurityInstrumentis superiorto theLica held by that Person.If Landerdaf•nnian that any part of the Property is mabjectto a superior Lica, L:nder uny give flanower a notice identifying the superiorLien. Within 10 daysof the dateon which tiie notice is given, Borroner shall pay or satisfy the superior Lien or takeons or moreof the actionsmemtiottedin dris Section4, Leaderalso may require me to pay a one-timechangefor an independcatscalestatetax teporting service elsedby Tenderin connectionwiththe Loan, unlessApplicable Law doesnot pesmitLenderto roakeach achange. 5. Borrower's Obligation to Maintain ifazard hsurance or Praperty Insurance. I will obtain hazant or property instrance to coveran buildingsandorher inprovementsdut now are, or ht the thaue will be, locatedon the Property.The ins