Preview
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
EXHIBIT B
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
NYC DEPARTMENT OF FINANCE um••u-- - . . •n• ---
OFFICE OF THE CITY REGISTER " -
..
Thispage is part
of The City
the instrument.
Registerwillrelyon the inforñiatics
provided
by you on this page for
purposesof mdexing n . .
this instrument.
The infera=tionon this page u--J|:i Ô "
: --:;¡;;|
willcontrolfor purposesin the event II " .
indexing i........ u
of any conflict
with the rest of the document.
RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 18
Document ID: 2nsñ52nnO200002 Docüüicnt Date: 04-28-2006 Preparation Date: 05-20-2006
Document Type: MORTGAGE
Document Page Count: 17
PRESENTER: RETURN TO:
ROUND HILL TITLE AGENCY, INC. GRIFFIN MORTGAGE CORPORATION
315 WESTCHESTER AVE. 150-20 HILLSIDE AVENUE
PORT CHESTER, NY 10573 JAMAICA, NY 11432
914-939-8900
DAN@ROUNDHILLTITLE.COM
PROPERTY DATA
Borough Block Lot Unit Address
QUEENS 10123 21 EntireLot 106-38 156TH STREET
Type: DWELLING ONLY - 3 FAMILY
Property
. .
CROSS REFERENCE DATA
CRFN or Document ID or Year_ Reel __. Page ____ or FileNumber
PARTIES
MORTGAGER/BORROWER: MORTGAGEE/LENDER:
MOHAMMED S. ISLAM 1GRIFFIN MORTGAGE CORPORATION
37-06 69TH STREET, APARTMENT 5H , 150-20 HILLSIDE AVENUE
WOODSIDE, NY 11377 JAMAICA, NY 11432
FEES AND TAXES
Mortgage Recording Fee:$ 122.00
Mortgage Amount: $ 528,000.00 AffidavitFee: $ 0.00
Taxable Mortgage Amount: $ 528,000,00 NY C Real Property TransferTax Filing Fee:
Exemption: $ 0.00
TAXES: County (Basic): 1$ 2.640.00 NYS Real Estate Transfer Tax:
City (AdditionaD: |s 5,940.00 $ 0.00
Spec (Additional): $ 0.00 RECORDED OR FILED IN THE OFFICE
TASF: $ 1,320.00 OF THE CITY REGISTER OF THE
MTA: $ 1,584.00 CITY OF NEW YORK
NY CTA: $ 0.00 . _- , Recorded/Filed 06-02-200613:58
Additional MRT: s 0.00 City Register File No.(CRFN):
TOTAL: |$ I1.484.00 20Ò6000307477
City RegisterOfficialSignature
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
After Recording Return To:
GRIFFIN MORTGAGECORPORATION
150-20 HILLSIDE AVE.
JAMAICA, NY 11432
[SpaceAboveThisLineForRecordingDa
MORTGAGE
WORDS USED OFTEN IN THIS DOCUMENT
Instrument"
This d=ument which is dated
APRIL together with all Riders
(A) "Security 28, 2006,
Instrument."
will be called the "Security
to this document,
"Borrower." MOHAMMEDS.
(B) ISI.AM,
whose addressis37-06 69TH STREET 5H, WOODSIDE, NY 11377,
"Borrower" "I" "me."
sometimes will be called and sometimes simply or
"Lender." GRIFFIN MORTGAGECORPORATION
(C)
"Lender."
will be called
Lender is a corporation
or association
whichexists under the faws of
NEW YORK.
Lender'saddress is150-20 HILLSIDE AVE., JAMAICA, NY 11432.
"Note." The note signed "Note."
(D) by Borrower and datedAPRIL 28, 2006 , will be called the The
Note shows that I owe Lender
FIVE HUNDREDTHENTY EIGHT THOUSANDAND NO/100******************
********* *********************************** ** ************ Dollars (U.S. $528 , 000.00 )
Periodic Payments and to pay
plus interest and other amounts that may be payable. I have promised to pay this debtin
the debt in full by
MAY 1, 2036.
"Property." Property," will be called the
(E) The property that is described of the
below in the section titled "Description
"Property."
"Loan." "Loan"
(F) The by the Note, plus interest, any prepâyrnent chargee end late charges
means the debtevidenced
due under the Note, and all sums due under this Security Instrument, plus interest.
"Sums Secured." Transfer to Lender of Rights in the
below in the section titled "Borrower's
The amounts described
(G)
Property"sometimes will be called the "Sums Secured."
"Riders." "Riders."
(H) All Riders attached
to this Security
!n:‡=.:ntthat are signed by Borrower will be calledThe
followinRiders are to be signed
byBorrower [checkboxas applicable]:
AdjustableRate Rider O Canclarnin!um Rider -O Second Home Rider
Balloon Rider O Planned Unit Development
Rider O [specify]
Other(s)
8 1-4 Family Rider Biweekly Payment Rider
O V.A. Rider
"ApplloableLaw." AII contrc!!!ng
applicable stateand local crdinancsaand
(1) federal, statutes,
n::-s±E-.--::,
(that have the effect of faw) as well as all applicable
rules and orders
administrative judicial
final, non npprn!±!a,
Law."
opinions will be called "Applicable
Assessments."All dues, fees, assessments
and other charges that
(J)"Ce==cn!r; Association
Dues, Fees, and
are imposed on Borroweror the Propertyby a ar±±±r homeowners
association, association
or similar
Assessments."
will be called "Communit';
organization Dues, Fees, and
Association
"Electronic Funds Transfer" means any transfer of money, other than by check, draft,
Funds Transfer."
(K) "Electron!e
or similar
paper instrument,
which is initiated
throughan electronic te!cphonic
terminal, computer,
instrument, or
magnetictape so as to order, instruct, to debit or credit an account. Some common
or authorize a financial |n:t!'"f:n
ammp!an of an E4tr.-i--=
Funds Transfer are point-of-sale transfers (where acard such as an asset or debit card is used
NEWYORK-SingleFamily-FannieMae/FreddleMacUNIFORM!NmUMEM'rForm30331/o1 Initials:
© 1999-2004OnlineDocuments,lnc. Page 1 of 10 NYUDEED0402
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
at a merchant),
automated teller machine transfers initiated.by
(or ATM) transactions, wire transfers, and
telephone,
automatedc:cednghouse transfers.
"Escrow Items."Those items that are described Items."
(L) in Section 3 will be called "Escrow
Proceeds." Proceeds"
(M) "Miscellaneous "Misce!!eneous means any compensation,
settlement, award of damages,
or proceeds paid by any third party (other than Insuranca Proceeds as datnad|ñ,
and paid under the coverage described
in Section 5) for: (i) damage to, or destruction or other taking of all or any part of the
of, the Property; (ii) Condemnation
(iii) conveyance
Property; in lieu of Condemnation
or sale to avoid Condemnation;
or (iv) misrepresentations
of, or
omissions as to, the value and/or condition
of the Property. A taking of the Property by any govemmental
authority by
eminent domain is known
as"Condemnation."
Insurance."
"Mortgage Insurance" means iñsüiâncê
(N) "Mortgage Lender against the nonpayrnant
protecting of, or
default on, the Loan.
"PeriodicPayment."The regularly scheduled
amount due for (i) principal and interest under the Note, and (ii) any
(0) Payment."
amounts under Section 3 will be called "Periodic
"RESPA." "RESPA" Se"Jement Act et and its
(P) means theReal Estate Procedures (12 U.S.C.§2601 seq.)
implementing Regulation
regulation, might be amended
X (24 C.F.R. Part 3500), as they from time to time, or any
or successor
additional legislation
or regulation
thatgovems the samesubjectmatter.As used in this
Security
"RESPA" refers to all requirements
and restr ctions that
are imposedin regard related
to a "federally .
Instrument,
loan" loan"
me-tgage even if the Loan does not qualify as a "federally related mortgage
under RESPA. .
. .
BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY
grant and convey the Property to Lender subject to the terms of this Security Instrument. This means that,
I mortgage,
I am giving Lender those rights that are stated in this Security !neument
by signing this Security Instrument, and also
those rights that Applicable on real property. I am giving Lender these rights
Law gives to lenders who hold mMgages
losses that might result if I fail to:
Lender from possible
to protect .
(A) Pay all the amounts that I owe Lender as stated in the Nota includir,g, but not limited to, all renewals, extensions
and modifications
of the Note;
that Lender spends under this Security Instrument to protect the value of the
(B) Pay, with interest, any amounts
rights in the Property; and
Property and Lender's
(C) Keep all of my other promises
and agreementsunder this Security !n-tnJment
and the Note.
DESCRIPTION OF THE PROPERTY
I give Lender rights in the Property described
in (A) through
(G) below:
(A) The Property which
is located
at 106-38 156TH STREET, JAMAICA,
[Street][City,Townor Village]
New York 11433.
[ZipCode]
guEsus
This Property is in County. It has the following
legal description:
SEE ATTACHED
that are located on the Prop;Fy
(B) AII buildings and other improvements dacribed (A) of.this section;
in subsection
(A) of this section. These
in subsection
(C) All rights in other property that I have as owner of the Property described
Property;"
as "easements
rights are known and appurtenancesattached to the
(D) All rights that I have in the land which lies in the streets or roads in front of, or riext to, the Property described
(A) of this section;
in subsection
ections (A) and (B) of this section ;
(E) Alliixtures that are now or in the future will be on the Property d÷÷Mb
(F) All of therights and property described in subsections (B) through (E) of this section that I acquire in the future; and
(G) All replacements
of or additions in subsections
to the Property described (F) of this section and all
(B) through
Insurance Proceeds for loss or damage to, and all Miscellaneous Proceeds of the Property described in subsect!ces
(F) of this section.
(A) though
BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNER-
SHIP OF THE PROPERTY
1promise that: (A) I lawfully own the Property; (B) I have the right to mortgage, grant and convey the Property to Lender;
claims or charges against the Property, except for those which are of public record.
and (C) there are no outstanding
I give a general warranty of title to Lender. This means that I will be fully respüñsible for any losses which Lender suffers
because someone other than myself has some of the rights in the Property which I promise that I have. I promise that
of the Property against any claims of such rights.
I will defend my ownership
PLAIN LANGUAGE SECURITY 1NSTRUMENT
that are used in real property security !netmmeMs all over
This Security Instrument contains promises and :g::ments
the country. It also contains other promises and 4semsñª=
that vary in different parts of the country. My promises and
language."
agreementsare stated in "plain
NEWYORK-SIngle Mae/FreddieMacUNIFORMINSTRUMENT
Family-Fannia Form30331/01 Initials t
© 1999-2004 Inc.
OnilneDocuments, Page 2 of 10 NYUDEED0402
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
v
COVENANTS
I promise and I agree with Londer as follows:
f. Borrower'sPromise to Pay. I will pay to Lender on time principal
and interest due under the Note and any
prepayment,late charges and other amounts
due under the Note. I will also pay all amounts for Escrow Items under
Section 3 of this Security Instrument.
Payments due under the Note and this Security Instmment shall be made in U.S. currencý.
If any of my payments
by check or other payment instrument
is retumed to Lender unpaid, Lander may require my payment be made by: (a)
cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, drawn upon an institution
whose deposits are insured by a federal agency, instrumentality,
or entity; or (d) Electronic
Funds Transfer.
Payments are deemed received by Lender when received at the location required in the Note, or at another location
designatedby Lender under Section 15 of this Security lñstrumer,t
Lender may return or accept any payment or partial
payment if it is for an amount that is less than the amount that is then due. If Lender accepts a lesser payment, Lender
may refuse to accept a lesser payment that I may make in the future and does not waive any of its rights. Lender is not
obligated to apply such lesser payments when it accepts such payments. lfinterest
on principal accrues as if all Periodic
Payments had been paid whendue, then Lender need not pay interest on unapplieil
funds.Lender may hold such
unapplied funds
until I make payments to bring the Loan current. If I do not do so within a reasonable period of time,
Lender will either apply such funds or retum them to me. In the event of foreclosure,
any unapplied funds will be applied
to the outstanding
principal balance
immediatelyprior to foreclosure.
No offset or claim which I might have now or in
the future against Lender will relieve me from
making payments due under the Note and this Security 'n:t
m:nt or
keepingali of my other promises
and agreementssecured by this Security Instrument.
2. Application
of Borrower'sPayments and InsuranceProceeds.Unless Applicable
Law or this Secdon 2
Lender will apply each of my payments that.Lender accepts
requires otherwise, in the following
order:
First, to pay interest due under the Note;
due under the Note; and
Next, to pay principal
Next, to pay the amounts
due Lender under Section 3 of this Security Instrument.
Such payments will be applied
to each Periodic Payment in the order in which it became
due.
Any remaining as follows:
amounts will be applied
First, to pay any late charges;
Next, to pay any other amounts
due under this Security Instrument; and
Next, to reduce the principal
balance of the Note.
If Lander receives a payment from me for a late Periodic Payment which includes a sufficient amount to pay any late
charge due, the payment
may be appliedto the late Periodic Payment and the late charge.
If more than one Periodic
Payment is due, Lender may apply any payment
received from me: First, to the repayment
of the Periodic Payments
that are due if, and to the extent that, each payment can be paid in full; Next, to the extent that any excess exists after
the payment is applied to the full payment
of one or more Periodic Payments, such excess may be applied to any late .
chargesdue.
Voluntary prepayments will be applied as follows: First, to any prepayment charges; and Next, as described in the Note.
Any =pp|;sta,ñ
of payments,Insurance
Proceeds, or Miscellaneous Proceeds to principal due under the Note will
the due date of the Periodic Payments or change the amount
not extend or postpone of those payments.
3. MonthlyPayments For Taxes AndInsurance,
(a)Borrower'sObilgations.I will pay to Lender all amounts
necessaryto pay for taxes, aaeacemants, water
charges,sewer rents andother similar
charges,groundleaseholdpayments or rents
(if any), hazard or property
insurance covering the Property, flood Insurance (if any), and any required lÝIortgage insurance,
or a Loss Reserve as .
Section 10in the place of Mortgage Insurance. Each Periodic Payment will include an amount to beapplied
describedin
toward Items:"
are called "Escrow
payment of the following
items which
water charges,
(1) The taxes, assessments, on the Property which under
sewer rents and other similar charges,
ApplicableLaw may be superior to this Security Instrument as a Lien on the Property. Any claim, demand or charge
"Lien;"
that is made against property
because has not been fulfilled is known as a
an obligation
(2)Theleaseholdpayments orgroundrentson the (if
Property any) ;
(3) The premium for any and all insurance
required by Lender under Section 5 of this Security Instrument;
(4) The premium for Mortgage
Insurance
(if any); .
of the paymêñt
(5) The amount I may be required to pay Lender under Section 10 of this Security instrumentinstead
of the premium for Mortgage
Insurance(if any) ; and
(6)If required by Lender, the amount
for any Community Dues, Fees, and Assessments.
Association
its term, Lender may include these amounts
After signing the Note, or at any time during as Escrow Items. The
monthly paymentI will make for Escrow Items will be based on Lender's estimate of the annual amount required.
I will pay all of these amounts
to Lender unless Lender tells me, in writing,
that I do not have to do so, or unless
Law requires otherwise. I will make these payments on the same day that my Periodic Payments of principal·
Applicable
and interest are due under the Note.
Funds." I will
The amounts that I pay to Lender for Escrow Items under this Section 3 will be called "Escrow
pay
Lender the Escrow Funds for Escrow Items unless Lender waives my obligation to pay the Escrow Funds for any or all
to pay to Lender Escrow Funds for any or all Escrow items at any time.
Escrow Items. Lender may waive my obligation
Any such waiver must be in writing. In the event of such waiver, I will pay directly, when and where payable, the amounts
due for any Escrow items for which payment of Escrow Funds has been waived by 1.ender and, if Lender requires, will
promptly send to Lender receipts showing such payment within such time period as Lander may require. My obligation
to make such payments in this
and to provide receipts will be considered to be a promise and agreement contained
and agreements"
Security Instrument, as the phrase "promises is used in Section 9 of this Security Instrument. If I am
obligated to pay Escrow Items directly, pursuant to a waiver, and Ifail to pay the amount due for an Escrow Item, Lender
under Section 9 of this Security Instrument to repay to Lender. Lender
may pay that amount and I will then be obligated
with Section 15 of this
may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance
SecurityInstrument
and, upon the revocation, that are then
Funds, and in amounts,
I will pay to Lender all Escrow
requiredunder this Section 3.
to be paid. Lender will
send to Lender any notices that I receive of Escrow Item amounts
I promise to promptly
and bills and
of Escrow Funds I will have to pay by using existing assessments
estimate from time to time the amount
NEWYORK-Single
Family-FannIe
Mae/FreddleMacUNIFORM
INsTRUMENT Form30331/01 Initials :
© 1999-2004
OnlineDocuments,
Inc. Page 3 of.10 NYUDEED0402
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018
reasonable estimates of the amount
I will have to pay for Escrow Items in the future, unless Applicable
Law requires
Lender to use another method
for determining
the amountI am to pay.
Lender may, at any time, collect and hold Escrow Funds in an amount sufficient to permit Lender to
apply the Escrow
Funds at the time specified under RESPA. Applicable
Law puts limits on the total amount of Escrow Funds Lender can
at any time collect and hold. This total amount cannot be more than the maximum amount a lender could require under
RESPA. if there is another Applicable
Law that imposes a lower limit on the total amount of Escrow Funds Lender can
collect and hold, Lender will be limited to the lower amount.
(b)Lender'sObilgations.
Lender will keep the Escrow Funds in a savings or banking
ir:titution
whichhas its
depositsinsured by a federal agency, or entity, or in any Federal Home Loan Bank. If Lender is such
instrumentality,
a savings orbanking
institution, Lender may hold the Escrow Funds. Lender willuse theEscrow
Funds to pay the Escrow
Items no later than the time allowed
under RESPA or other Applicable
Law. Lender will give to me, without charge, an
annual accounting
of the Escrow
Funds. That accounting
will show all additions to and deductions
from the Escrow
Funds and the reason for each deduction.
Lender may not charge me for holding
or keeping the Escrow Funds, for using the Escrow Funds to pay Escrow
Items, for making
a yearly
analysis
of my payment of EscrowFunds or for receiving,
or for verifying
and totaling
assessmentsand bills. However,
Lender may charge me for these services if Lender pays me interest on the Escrow
Funds and if Applicable
Law permits Lender to make such a charge. Lender will not be required to pay me any interest
orearnings
on theEscrowFunds unless either (1) Lender and fagree in writing thatLender will pay intereston the Escrow
Funds, or (2) Applicable
Law requiresLender to pay interest on the Escrow Funds.
(c)Adjustmentsto the Funds.
Under Applicable
Law, there is a limit on the amount of Escrow Funds Lender may
hold. If the amount of Escrow Funds held by Lender exceeds this limit, then there will be an excess amount and RESPA
requires Lander to account
to me in a special manner for the excess amount of Escrow Funds.
If, at any time, Lender has not received enough
Escrow Funds to make the payments
of Escrow Items when the
payments are due, Lender may tell me in writing that an additional
amount is necessary. I will pay to Lender whatever
additional amount is necessary to pay the Escrow Items when the payments are due, but the number of payments will
not be more than 12.
When I have paid all of the Sums Secured,
Lender will promptly refund to me any Escrow Funds that are then being
held by Lender.
4. Borrower'sObilgation
to Pay Charges,Assessments And Claims.I will pay all taxes, assessments, water
charges, sewer rents and other similar charges, and any other charges and fines that may be imposed on the Property
and that may be superior to this Security instrument.
I will also make ground
rents or payments due under my lease if
I am a tenant on the Property and Community
Association
Dues, Fees, and Assessments
(if any) due on the Property.
. If these items are Escrow
Items,I will do this by making
the paymentsas described 3 of this Security
in Section
Instrument. In this Security Instrument,
the word"Person"rneans any individual, organization,
governmental
authority
or other party.
Iwill promptly pay or satisfy all Liens against the Property that may be superior to this Security Instrument. However,
this Security instrument does not require me to satisfy a superior Uen if: (a) Iagree, in writing, to pay the obligation which
gave rise to the superior Uen and Lender approves the way in which I agree to pay that obligation,
but only so long as
I am performing such agreement;
(b) in good faith, I argue or defend against the superior Lien In a fawsuit so that in
Lender's opinion, during the lawsuit, the superior Lien may not be enforced, but only until the lawsuit ends; or (c) I secure
from the holder of that other Lien an agreement, approved in writing by Lender, that the Lien of this Security Instrument
is superior to the Lien held by that person. If Lender determines that any part of the Property is subject to a superior Uen,
Lender may give Borrower a notice identifying the superior Lien. Within 10 days of the date on which the notice is given,
Borrower shall pay or satisfy the superior
Lien or take one or more of the actions mentioned
in this Section 4.
Lender also may require me to pay a one-time charge for an independent
real estate tax reporting service used by
with the Loan, unless Applicable
Lender in connection Law does not permit Lender to make such a charge.
5. Borrower'sObilgation
to Maintain
Hazard insuranceor Property
Insurance.
I will obtain hazard or property
insurance to cover all buildings that now are, or in the future will be, located on the Property.
and other improvements
The insurance will cover loss or damage Coverage"
caused by fire, hazards normally covered by '.'Extended hazard
insurance policies, and any other hazards for which Lender requires coverage, including, but not limited to earthquakes
and floods. The insurance will be in the amounts
(including, but not limited to, deductible
levels) and for the periods of
time required by Lender. What Lender requires under the last sentence can change during the term of the Loan. I may
choose the insurance company,
but my choice is subject to Lender's right to disapprove.
Lender may not disapprove
my choice unless the disapproval
is reasonable.
Lender may require me to pay either (a) a one-time charge for flood
zone determination,
certification
and tracking or (b) a one-time
services, charge for flood
zone determination
and
certification services and subsequent
charges each time remappings
or similar changes occur which reasonably might
affect the flood zone determination
or certification.
If I disagree with the flood I may request the
zone determination,
Federal Emergency ManagementAgency to review the flood zone determ!neden and I promise to pay any fees charged
by the Federal Emergency
Management Agency for its review.
If I fail to maintain any of the insurance
coveragesdescribedabove, Lender may obtain insurance
coverage, at
I.ender's option and my expense. Lender is under no obligation to purchase any particular type or amount of coverage.
Therefo
Preview
FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 EXHIBIT B FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 NYC DEPARTMENT OF FINANCE um••u-- - . . •n• --- OFFICE OF THE CITY REGISTER " - .. Thispage is part of The City the instrument. Registerwillrelyon the inforñiatics provided by you on this page for purposesof mdexing n . . this instrument. The infera=tionon this page u--J|:i Ô " : --:;¡;;| willcontrolfor purposesin the event II " . indexing i........ u of any conflict with the rest of the document. RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 18 Document ID: 2nsñ52nnO200002 Docüüicnt Date: 04-28-2006 Preparation Date: 05-20-2006 Document Type: MORTGAGE Document Page Count: 17 PRESENTER: RETURN TO: ROUND HILL TITLE AGENCY, INC. GRIFFIN MORTGAGE CORPORATION 315 WESTCHESTER AVE. 150-20 HILLSIDE AVENUE PORT CHESTER, NY 10573 JAMAICA, NY 11432 914-939-8900 DAN@ROUNDHILLTITLE.COM PROPERTY DATA Borough Block Lot Unit Address QUEENS 10123 21 EntireLot 106-38 156TH STREET Type: DWELLING ONLY - 3 FAMILY Property . . CROSS REFERENCE DATA CRFN or Document ID or Year_ Reel __. Page ____ or FileNumber PARTIES MORTGAGER/BORROWER: MORTGAGEE/LENDER: MOHAMMED S. ISLAM 1GRIFFIN MORTGAGE CORPORATION 37-06 69TH STREET, APARTMENT 5H , 150-20 HILLSIDE AVENUE WOODSIDE, NY 11377 JAMAICA, NY 11432 FEES AND TAXES Mortgage Recording Fee:$ 122.00 Mortgage Amount: $ 528,000.00 AffidavitFee: $ 0.00 Taxable Mortgage Amount: $ 528,000,00 NY C Real Property TransferTax Filing Fee: Exemption: $ 0.00 TAXES: County (Basic): 1$ 2.640.00 NYS Real Estate Transfer Tax: City (AdditionaD: |s 5,940.00 $ 0.00 Spec (Additional): $ 0.00 RECORDED OR FILED IN THE OFFICE TASF: $ 1,320.00 OF THE CITY REGISTER OF THE MTA: $ 1,584.00 CITY OF NEW YORK NY CTA: $ 0.00 . _- , Recorded/Filed 06-02-200613:58 Additional MRT: s 0.00 City Register File No.(CRFN): TOTAL: |$ I1.484.00 20Ò6000307477 City RegisterOfficialSignature FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 After Recording Return To: GRIFFIN MORTGAGECORPORATION 150-20 HILLSIDE AVE. JAMAICA, NY 11432 [SpaceAboveThisLineForRecordingDa MORTGAGE WORDS USED OFTEN IN THIS DOCUMENT Instrument" This d=ument which is dated APRIL together with all Riders (A) "Security 28, 2006, Instrument." will be called the "Security to this document, "Borrower." MOHAMMEDS. (B) ISI.AM, whose addressis37-06 69TH STREET 5H, WOODSIDE, NY 11377, "Borrower" "I" "me." sometimes will be called and sometimes simply or "Lender." GRIFFIN MORTGAGECORPORATION (C) "Lender." will be called Lender is a corporation or association whichexists under the faws of NEW YORK. Lender'saddress is150-20 HILLSIDE AVE., JAMAICA, NY 11432. "Note." The note signed "Note." (D) by Borrower and datedAPRIL 28, 2006 , will be called the The Note shows that I owe Lender FIVE HUNDREDTHENTY EIGHT THOUSANDAND NO/100****************** ********* *********************************** ** ************ Dollars (U.S. $528 , 000.00 ) Periodic Payments and to pay plus interest and other amounts that may be payable. I have promised to pay this debtin the debt in full by MAY 1, 2036. "Property." Property," will be called the (E) The property that is described of the below in the section titled "Description "Property." "Loan." "Loan" (F) The by the Note, plus interest, any prepâyrnent chargee end late charges means the debtevidenced due under the Note, and all sums due under this Security Instrument, plus interest. "Sums Secured." Transfer to Lender of Rights in the below in the section titled "Borrower's The amounts described (G) Property"sometimes will be called the "Sums Secured." "Riders." "Riders." (H) All Riders attached to this Security !n:‡=.:ntthat are signed by Borrower will be calledThe followinRiders are to be signed byBorrower [checkboxas applicable]: AdjustableRate Rider O Canclarnin!um Rider -O Second Home Rider Balloon Rider O Planned Unit Development Rider O [specify] Other(s) 8 1-4 Family Rider Biweekly Payment Rider O V.A. Rider "ApplloableLaw." AII contrc!!!ng applicable stateand local crdinancsaand (1) federal, statutes, n::-s±E-.--::, (that have the effect of faw) as well as all applicable rules and orders administrative judicial final, non npprn!±!a, Law." opinions will be called "Applicable Assessments."All dues, fees, assessments and other charges that (J)"Ce==cn!r; Association Dues, Fees, and are imposed on Borroweror the Propertyby a ar±±±r homeowners association, association or similar Assessments." will be called "Communit'; organization Dues, Fees, and Association "Electronic Funds Transfer" means any transfer of money, other than by check, draft, Funds Transfer." (K) "Electron!e or similar paper instrument, which is initiated throughan electronic te!cphonic terminal, computer, instrument, or magnetictape so as to order, instruct, to debit or credit an account. Some common or authorize a financial |n:t!'"f:n ammp!an of an E4tr.-i--= Funds Transfer are point-of-sale transfers (where acard such as an asset or debit card is used NEWYORK-SingleFamily-FannieMae/FreddleMacUNIFORM!NmUMEM'rForm30331/o1 Initials: © 1999-2004OnlineDocuments,lnc. Page 1 of 10 NYUDEED0402 FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 at a merchant), automated teller machine transfers initiated.by (or ATM) transactions, wire transfers, and telephone, automatedc:cednghouse transfers. "Escrow Items."Those items that are described Items." (L) in Section 3 will be called "Escrow Proceeds." Proceeds" (M) "Miscellaneous "Misce!!eneous means any compensation, settlement, award of damages, or proceeds paid by any third party (other than Insuranca Proceeds as datnad|ñ, and paid under the coverage described in Section 5) for: (i) damage to, or destruction or other taking of all or any part of the of, the Property; (ii) Condemnation (iii) conveyance Property; in lieu of Condemnation or sale to avoid Condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. A taking of the Property by any govemmental authority by eminent domain is known as"Condemnation." Insurance." "Mortgage Insurance" means iñsüiâncê (N) "Mortgage Lender against the nonpayrnant protecting of, or default on, the Loan. "PeriodicPayment."The regularly scheduled amount due for (i) principal and interest under the Note, and (ii) any (0) Payment." amounts under Section 3 will be called "Periodic "RESPA." "RESPA" Se"Jement Act et and its (P) means theReal Estate Procedures (12 U.S.C.§2601 seq.) implementing Regulation regulation, might be amended X (24 C.F.R. Part 3500), as they from time to time, or any or successor additional legislation or regulation thatgovems the samesubjectmatter.As used in this Security "RESPA" refers to all requirements and restr ctions that are imposedin regard related to a "federally . Instrument, loan" loan" me-tgage even if the Loan does not qualify as a "federally related mortgage under RESPA. . . . BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY grant and convey the Property to Lender subject to the terms of this Security Instrument. This means that, I mortgage, I am giving Lender those rights that are stated in this Security !neument by signing this Security Instrument, and also those rights that Applicable on real property. I am giving Lender these rights Law gives to lenders who hold mMgages losses that might result if I fail to: Lender from possible to protect . (A) Pay all the amounts that I owe Lender as stated in the Nota includir,g, but not limited to, all renewals, extensions and modifications of the Note; that Lender spends under this Security Instrument to protect the value of the (B) Pay, with interest, any amounts rights in the Property; and Property and Lender's (C) Keep all of my other promises and agreementsunder this Security !n-tnJment and the Note. DESCRIPTION OF THE PROPERTY I give Lender rights in the Property described in (A) through (G) below: (A) The Property which is located at 106-38 156TH STREET, JAMAICA, [Street][City,Townor Village] New York 11433. [ZipCode] guEsus This Property is in County. It has the following legal description: SEE ATTACHED that are located on the Prop;Fy (B) AII buildings and other improvements dacribed (A) of.this section; in subsection (A) of this section. These in subsection (C) All rights in other property that I have as owner of the Property described Property;" as "easements rights are known and appurtenancesattached to the (D) All rights that I have in the land which lies in the streets or roads in front of, or riext to, the Property described (A) of this section; in subsection ections (A) and (B) of this section ; (E) Alliixtures that are now or in the future will be on the Property d÷÷Mb (F) All of therights and property described in subsections (B) through (E) of this section that I acquire in the future; and (G) All replacements of or additions in subsections to the Property described (F) of this section and all (B) through Insurance Proceeds for loss or damage to, and all Miscellaneous Proceeds of the Property described in subsect!ces (F) of this section. (A) though BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNER- SHIP OF THE PROPERTY 1promise that: (A) I lawfully own the Property; (B) I have the right to mortgage, grant and convey the Property to Lender; claims or charges against the Property, except for those which are of public record. and (C) there are no outstanding I give a general warranty of title to Lender. This means that I will be fully respüñsible for any losses which Lender suffers because someone other than myself has some of the rights in the Property which I promise that I have. I promise that of the Property against any claims of such rights. I will defend my ownership PLAIN LANGUAGE SECURITY 1NSTRUMENT that are used in real property security !netmmeMs all over This Security Instrument contains promises and :g::ments the country. It also contains other promises and 4semsñª= that vary in different parts of the country. My promises and language." agreementsare stated in "plain NEWYORK-SIngle Mae/FreddieMacUNIFORMINSTRUMENT Family-Fannia Form30331/01 Initials t © 1999-2004 Inc. OnilneDocuments, Page 2 of 10 NYUDEED0402 FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 v COVENANTS I promise and I agree with Londer as follows: f. Borrower'sPromise to Pay. I will pay to Lender on time principal and interest due under the Note and any prepayment,late charges and other amounts due under the Note. I will also pay all amounts for Escrow Items under Section 3 of this Security Instrument. Payments due under the Note and this Security Instmment shall be made in U.S. currencý. If any of my payments by check or other payment instrument is retumed to Lender unpaid, Lander may require my payment be made by: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location required in the Note, or at another location designatedby Lender under Section 15 of this Security lñstrumer,t Lender may return or accept any payment or partial payment if it is for an amount that is less than the amount that is then due. If Lender accepts a lesser payment, Lender may refuse to accept a lesser payment that I may make in the future and does not waive any of its rights. Lender is not obligated to apply such lesser payments when it accepts such payments. lfinterest on principal accrues as if all Periodic Payments had been paid whendue, then Lender need not pay interest on unapplieil funds.Lender may hold such unapplied funds until I make payments to bring the Loan current. If I do not do so within a reasonable period of time, Lender will either apply such funds or retum them to me. In the event of foreclosure, any unapplied funds will be applied to the outstanding principal balance immediatelyprior to foreclosure. No offset or claim which I might have now or in the future against Lender will relieve me from making payments due under the Note and this Security 'n:t m:nt or keepingali of my other promises and agreementssecured by this Security Instrument. 2. Application of Borrower'sPayments and InsuranceProceeds.Unless Applicable Law or this Secdon 2 Lender will apply each of my payments that.Lender accepts requires otherwise, in the following order: First, to pay interest due under the Note; due under the Note; and Next, to pay principal Next, to pay the amounts due Lender under Section 3 of this Security Instrument. Such payments will be applied to each Periodic Payment in the order in which it became due. Any remaining as follows: amounts will be applied First, to pay any late charges; Next, to pay any other amounts due under this Security Instrument; and Next, to reduce the principal balance of the Note. If Lander receives a payment from me for a late Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be appliedto the late Periodic Payment and the late charge. If more than one Periodic Payment is due, Lender may apply any payment received from me: First, to the repayment of the Periodic Payments that are due if, and to the extent that, each payment can be paid in full; Next, to the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late . chargesdue. Voluntary prepayments will be applied as follows: First, to any prepayment charges; and Next, as described in the Note. Any =pp|;sta,ñ of payments,Insurance Proceeds, or Miscellaneous Proceeds to principal due under the Note will the due date of the Periodic Payments or change the amount not extend or postpone of those payments. 3. MonthlyPayments For Taxes AndInsurance, (a)Borrower'sObilgations.I will pay to Lender all amounts necessaryto pay for taxes, aaeacemants, water charges,sewer rents andother similar charges,groundleaseholdpayments or rents (if any), hazard or property insurance covering the Property, flood Insurance (if any), and any required lÝIortgage insurance, or a Loss Reserve as . Section 10in the place of Mortgage Insurance. Each Periodic Payment will include an amount to beapplied describedin toward Items:" are called "Escrow payment of the following items which water charges, (1) The taxes, assessments, on the Property which under sewer rents and other similar charges, ApplicableLaw may be superior to this Security Instrument as a Lien on the Property. Any claim, demand or charge "Lien;" that is made against property because has not been fulfilled is known as a an obligation (2)Theleaseholdpayments orgroundrentson the (if Property any) ; (3) The premium for any and all insurance required by Lender under Section 5 of this Security Instrument; (4) The premium for Mortgage Insurance (if any); . of the paymêñt (5) The amount I may be required to pay Lender under Section 10 of this Security instrumentinstead of the premium for Mortgage Insurance(if any) ; and (6)If required by Lender, the amount for any Community Dues, Fees, and Assessments. Association its term, Lender may include these amounts After signing the Note, or at any time during as Escrow Items. The monthly paymentI will make for Escrow Items will be based on Lender's estimate of the annual amount required. I will pay all of these amounts to Lender unless Lender tells me, in writing, that I do not have to do so, or unless Law requires otherwise. I will make these payments on the same day that my Periodic Payments of principal· Applicable and interest are due under the Note. Funds." I will The amounts that I pay to Lender for Escrow Items under this Section 3 will be called "Escrow pay Lender the Escrow Funds for Escrow Items unless Lender waives my obligation to pay the Escrow Funds for any or all to pay to Lender Escrow Funds for any or all Escrow items at any time. Escrow Items. Lender may waive my obligation Any such waiver must be in writing. In the event of such waiver, I will pay directly, when and where payable, the amounts due for any Escrow items for which payment of Escrow Funds has been waived by 1.ender and, if Lender requires, will promptly send to Lender receipts showing such payment within such time period as Lander may require. My obligation to make such payments in this and to provide receipts will be considered to be a promise and agreement contained and agreements" Security Instrument, as the phrase "promises is used in Section 9 of this Security Instrument. If I am obligated to pay Escrow Items directly, pursuant to a waiver, and Ifail to pay the amount due for an Escrow Item, Lender under Section 9 of this Security Instrument to repay to Lender. Lender may pay that amount and I will then be obligated with Section 15 of this may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance SecurityInstrument and, upon the revocation, that are then Funds, and in amounts, I will pay to Lender all Escrow requiredunder this Section 3. to be paid. Lender will send to Lender any notices that I receive of Escrow Item amounts I promise to promptly and bills and of Escrow Funds I will have to pay by using existing assessments estimate from time to time the amount NEWYORK-Single Family-FannIe Mae/FreddleMacUNIFORM INsTRUMENT Form30331/01 Initials : © 1999-2004 OnlineDocuments, Inc. Page 3 of.10 NYUDEED0402 FILED: QUEENS COUNTY CLERK 10/23/2018 10:17 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 10/23/2018 reasonable estimates of the amount I will have to pay for Escrow Items in the future, unless Applicable Law requires Lender to use another method for determining the amountI am to pay. Lender may, at any time, collect and hold Escrow Funds in an amount sufficient to permit Lender to apply the Escrow Funds at the time specified under RESPA. Applicable Law puts limits on the total amount of Escrow Funds Lender can at any time collect and hold. This total amount cannot be more than the maximum amount a lender could require under RESPA. if there is another Applicable Law that imposes a lower limit on the total amount of Escrow Funds Lender can collect and hold, Lender will be limited to the lower amount. (b)Lender'sObilgations. Lender will keep the Escrow Funds in a savings or banking ir:titution whichhas its depositsinsured by a federal agency, or entity, or in any Federal Home Loan Bank. If Lender is such instrumentality, a savings orbanking institution, Lender may hold the Escrow Funds. Lender willuse theEscrow Funds to pay the Escrow Items no later than the time allowed under RESPA or other Applicable Law. Lender will give to me, without charge, an annual accounting of the Escrow Funds. That accounting will show all additions to and deductions from the Escrow Funds and the reason for each deduction. Lender may not charge me for holding or keeping the Escrow Funds, for using the Escrow Funds to pay Escrow Items, for making a yearly analysis of my payment of EscrowFunds or for receiving, or for verifying and totaling assessmentsand bills. However, Lender may charge me for these services if Lender pays me interest on the Escrow Funds and if Applicable Law permits Lender to make such a charge. Lender will not be required to pay me any interest orearnings on theEscrowFunds unless either (1) Lender and fagree in writing thatLender will pay intereston the Escrow Funds, or (2) Applicable Law requiresLender to pay interest on the Escrow Funds. (c)Adjustmentsto the Funds. Under Applicable Law, there is a limit on the amount of Escrow Funds Lender may hold. If the amount of Escrow Funds held by Lender exceeds this limit, then there will be an excess amount and RESPA requires Lander to account to me in a special manner for the excess amount of Escrow Funds. If, at any time, Lender has not received enough Escrow Funds to make the payments of Escrow Items when the payments are due, Lender may tell me in writing that an additional amount is necessary. I will pay to Lender whatever additional amount is necessary to pay the Escrow Items when the payments are due, but the number of payments will not be more than 12. When I have paid all of the Sums Secured, Lender will promptly refund to me any Escrow Funds that are then being held by Lender. 4. Borrower'sObilgation to Pay Charges,Assessments And Claims.I will pay all taxes, assessments, water charges, sewer rents and other similar charges, and any other charges and fines that may be imposed on the Property and that may be superior to this Security instrument. I will also make ground rents or payments due under my lease if I am a tenant on the Property and Community Association Dues, Fees, and Assessments (if any) due on the Property. . If these items are Escrow Items,I will do this by making the paymentsas described 3 of this Security in Section Instrument. In this Security Instrument, the word"Person"rneans any individual, organization, governmental authority or other party. Iwill promptly pay or satisfy all Liens against the Property that may be superior to this Security Instrument. However, this Security instrument does not require me to satisfy a superior Uen if: (a) Iagree, in writing, to pay the obligation which gave rise to the superior Uen and Lender approves the way in which I agree to pay that obligation, but only so long as I am performing such agreement; (b) in good faith, I argue or defend against the superior Lien In a fawsuit so that in Lender's opinion, during the lawsuit, the superior Lien may not be enforced, but only until the lawsuit ends; or (c) I secure from the holder of that other Lien an agreement, approved in writing by Lender, that the Lien of this Security Instrument is superior to the Lien held by that person. If Lender determines that any part of the Property is subject to a superior Uen, Lender may give Borrower a notice identifying the superior Lien. Within 10 days of the date on which the notice is given, Borrower shall pay or satisfy the superior Lien or take one or more of the actions mentioned in this Section 4. Lender also may require me to pay a one-time charge for an independent real estate tax reporting service used by with the Loan, unless Applicable Lender in connection Law does not permit Lender to make such a charge. 5. Borrower'sObilgation to Maintain Hazard insuranceor Property Insurance. I will obtain hazard or property insurance to cover all buildings that now are, or in the future will be, located on the Property. and other improvements The insurance will cover loss or damage Coverage" caused by fire, hazards normally covered by '.'Extended hazard insurance policies, and any other hazards for which Lender requires coverage, including, but not limited to earthquakes and floods. The insurance will be in the amounts (including, but not limited to, deductible levels) and for the periods of time required by Lender. What Lender requires under the last sentence can change during the term of the Loan. I may choose the insurance company, but my choice is subject to Lender's right to disapprove. Lender may not disapprove my choice unless the disapproval is reasonable. Lender may require me to pay either (a) a one-time charge for flood zone determination, certification and tracking or (b) a one-time services, charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect the flood zone determination or certification. If I disagree with the flood I may request the zone determination, Federal Emergency ManagementAgency to review the flood zone determ!neden and I promise to pay any fees charged by the Federal Emergency Management Agency for its review. If I fail to maintain any of the insurance coveragesdescribedabove, Lender may obtain insurance coverage, at I.ender's option and my expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefo