Preview
FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021
NYSCEF DOC. NO. 51 RECEIVED NYSCEF: 07/13/2022
EXHIBIT A
FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF KINGS
DEUTSCHE BANK NATIONAL TRUST CERTIFICATE OF MERIT
COMPANY, AS TRUSTEE UNDER THE
POOLING AND SERVICING AGREEMENT
RELATING TO IMPAC SECURED ASSETS
CORP., MORTGAGE PASS-THROUGH
CERTIFICATES, SERIES 2006-1,
Plaintiff, INDEX NO.
vs.
JAMES FREDERICK; NEW YORK CITY
ENVIRONMENTAL CONTROL BOARD; NEW
YORK CITY PARKING VIOLATIONS BUREAU;
NEW YORK CITY TRANSIT ADJUDICATION
BUREAU,
#1" #12,"
"JOHN DOE through "JOHN DOE the
lasttwelve names being fictitious and unknown to
plaintiff, the persons or parties intended being the
tenants, occupants, persons or corporations, ifany,
having or claiming an interest in or lien upon the
premises, described in the complaint,
Defendant(s).
1. I am an attorney duly licensed to practice in the state of New York and am affiliated
with the law finn of Robertson, Anschutz, Schneid, Crane & Partners, PLLC, the
attorneys for the above-named plaintiff.
2. Debbie Best, a Contract Management Coordinator of plaintiff or plaintiffs servicer,
confirmed that she personally reviewed plaintiffs documents and records to
relating
this case for factual accuracy.
l|IllIIllIIIIIIllEIIMMIIIIIIIIIIIIll 11111111111111111111H11111H11111II|ltlIll
1111111111111111111IH11II111
21-049689 -
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3. Based upon my review of the communication with plaintiff'srepresentative, as well as
upon my own inspection of the documents and other diligent inquiry, I that to
certify
the best of my knowledge, information and belief there exists a reasonable basis for
the commencement of a mortgage foreclosure action and that plaintiff or itsnominee
is entitled to enforce itsrights under the loan documents in accordance with
applicable law.
4. All of the relevant documents, all of which have been reviewed by me, are attached to
this Certificate of Merit.
Dated: August 10, 202
Westbury, N York
BY:
[ ] Z. B KIN, ESQ.
[X] ONY CELLUCCI, ESQ.
[ ] LUCE PIERRE-RUSSON, ESQ.
[ ] MARGISELLE ESTEVEZ, ESQ.
21-049689 -
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ad6¥4MBedate dolbnge ifterdlifrtgage corporat,ion
("Lerder'),:
. .T.- . . .. .
·Bonoweq,im½rstands 11stImnBaEJEBy ÔRUBferthe Note, the relstad Margate, or Seclaity Dead-
Deed of Trtist,
am.dt1tinA
('Securley Indrunient") denate.Lander, or anyate who talide the No,
to Secu-||y instronierit,, n1ulthia
.
Addotatuty ranpret anti who is eñlilled m·xedeivepayn=mis under be None is cidled she "NoteEok1st-"
In '
cumide;ralian of Leadar'r
ngxcepent to provide the imin ev-denued-.byfie
Nule, and as u nuthmintinducement to
Leadq to.grant sush;1oanand.the terms sctfor6s ikthe .
h-ogo,Domnveragrees 10the following y:oviidons.
cintw duithdir:g
anytidog contatty enÀgainedi-nthe Nnte
Soonsity hadrutmentatnher
m1stint Inan dnemnant!
ifrepaymentPaii-nity
1hayc·e.Tight to rake
pay - _ of >zincipal'ateny
timp before thepam ¦re-
Ayayment of Prk,dpiglanly
. ,
known. asa "Prepayinear./. Wher.1mailas aTrepayment, T will
letdm NaimHoldår in wñnZugknti
st mo.
Gmg
-. Itwl|hin
me 0rst Twel-ve l - ( 12 } raanihalof ths.1ban,Tatalmf fMIIPrepeatent
or, a partial
Prepayment wl1erethe totni of als:h©pattialPrepaynieni(s) in m,ny19elve.02)
moni11period exceechthe.nty
- '
20.090 oz oie
'.petcalit.( %)
origi.wl
Printipar
innotint
ofthe I
loan, wi3paya prepaymatil
obarge-("Prepaynient
hanity")equal.te
s:×
- - )-marithit' Interest (at the rates1meffect at the·tims Prepay1ment
. .. ( 5 occurs) ori the amount hy
wlùch the total of q'Prepayxrmat(a)
.' within that twelvcv2):son6 -
peried-exceeds trenty
"gs)'affm
pereest (.. . 20,000 original h0ipa--
amou1stof flimlosin.
Mistenffer, I inigy.tankefull Psepayonentorstfazdit< fiepityligent tdt!sgut pas:rg
sukyPrepayment
'lite
flof e 1folder Wilt itse_nl1bf nty Prepayssentsto tedixie the amount aFPrincipal em)
owe under thla Note.
NI
mdo tere
it paniml P&papnen"; will be no changein the due dagesof
y monthly payments nalear the Note IIolder
agreetcin-vregto !ose:chilagacqIftis
Nole pmv-des 4be maimIjustahTo pedial Pregnyi-untLnin
intered tage,.ag
tqdBce theftlount Of iny mongb|ýpayacuis after-dic fuiit
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Amy
reduction in the amount of as
n:ammT
y psynient due to urf girliuL Pregiayumnsinuy he oFamlby an inle¢est role in.umm.
of the provisiors
lo liz such.Pispily:nent
Any fucguing candary notwi'hsigculi:g, Penalif skiill rat
ex:ce:1 fit
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to chargesóch Psegnyspong
Penshy shsEIøÇzomáin in ef[93 coultuy
90outbeyond. atty T
linigstions imposed by eppilcable law.
BY Æi)3|ING.DELOW, Borrower.ascepts.and-agreesto the terms and connantis in flris PrepaymereAdd±adumto
Note
- ÓIst 200.6
Date EntEs572ED1ntICit-
Borrower
- -
Date
DIte '. . -Borrower
PPP-_VernidnI . ;,.
WJ) hh5209(
*
. , www.Pradose.cout
. ... "20tiMarugageDar.Wng
FestemsJnc.
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NYSCEF INDEX NYSCEF:
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K INGS51 COUNTY CLERK 08/12/2021 09 : 37 AM| RECEIVED 07/13/2022
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021
NYC DEPARTMENT OF FINANCE
OFFICE OF THE CITY REGISTER
This page is part
ofthe instrument.The City
Registerwillrelyon the informationprovided
by you on thispage forpurposes ofindexing
thisinstrument.The informationon thispage
willcontrolforindexing purposes in the event
°'"" °°"*°' " * *"°®' °f*° d°°""°"'
2006020601030002001E497A
RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 17
Document ID: 2006020601030002 Document Date: 01-31-2006 Preparation Date: 02-06-2006
Document Type: MORTGAGE
Document Page Count: 16
PRESENTER: RETURN TO:
OLD TOWN ABSTRACT COMPANY LLC FIRST SUFFOLK MORTGAGE CORPORATION
3836 RICHMOND AVENUE 1476 DEER PARK AVENUE
RSR PICKUP RSR 2ND FLOOR
STATEN ISLAND, NY 10312 NORTH BABYLON, NY 11703
718-227-5285
OTABSTRACT@ AOL.COM
PROPERTY DATA
Borough Block Lot Unit Address
BROOKLYN 4075 44 Entire Iot 639 HENDRIX STREET
Type: DWELLING ONLY - 3 FAMILY
Property
CRFN_ or Document ID
CROSS
or _ REFERENCE
Year_
DATA
Reel __ Page - or FileNumber
PARTIES
MORTGAGER/BORROWER: MORTGAGEE/LENDER:
JAMBS FREDERICK FIRST SUFFOLK MORTGAGE CORPORATION
639 HENDRIX STREET 1476 DEER PARK AVENUE, 2ND FLOOR
BROOKLYN, NY 11207 NORTH BABYLON, NY 11703
FEES AND TAXES
Mortgage Recording Fee: $ 117.00
Mortgage Amount: $ 455,200.00 Affidavit Fee: $ 0.00
Taxable Mortgage Amount: $ 455,200.00 NYC Real Property Transfer Tax Filing Fee:
Exemption: $ 0.00
TAXES: County (Basic): $ 2,276.00 NYS Real Estate Transfer Tax:
City (Additional): $ 5,121.00 $ 0.00
Spec (Additional): $ 0.00 RECORDED OR FILED IN THE OFFICE
TASF: $ 1,138.00 THE CITY REGISTER OF THE
MTA: $ 1,365.60 CITY OF NEW YORK
NYCTA: $ 0.00 Recorded/Filed 02-24-200611:19
Additional MRT: $ 0.00 CityRegisterFileNo.(CRFN):
TOTAL: $ 9,900.60 2006000107327
City Re gister Off icial Signature
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RECORDAND RETURNTO
e Cor
IGratSuffolk Mort ratten
1476DEERP A 2ND FLOOR
NORTH BABYLON, NewYork 11703
(Space
AboveThisIJoethr ReardingDatal
MORTGAGE L°ªn In 8 M
WORDS USED OFFEN IN THIS DOCUMENT
Instrument."This document, wltich is dated January
(A) "Security 31st, 2006 . togetherwith
all Riders to this document, will be called the"Security Instrument."
"Borrower,"JAMES FREDERICK
(B)
, whoseaddressis
639 HENDRIX STREET, BROOKLYN, NEW YORK 11207
sometimeswill be called "Borrower" and sometimessimply "I"
or "me."
IC) "Lender."First Suffolk Mortgage Corporation
will be'called "Lender."
Leader is a corporation or associationwhich exists under the
laws of .Lender's addressis
1476 DEER
FARK AVENUE 2ND FLOOR, NORTH BABYLON, New York 11703 .
(D)"Note."The note signed by Borrower and dated January 2006
31st, , will be called the
"Note."The Note shows·thatI owe Leader
Four Hundred Fifty Five Thousand Two Hundred
and no/100- - - - - - - - - - - - - - Dollars (U.S. $ 455,200.00 ) plus interest
and other amountsthat may be payable. I havepromised to pay this debt in Periodic Paymentsand to
pay the
debt in full by
February 1st, 2036 .
"Property."The property that is describedbelow in the sectiontitled "Description of the Property," will
IE)
be called the "Property."
"Loan." The "Loan" rneansthe debt evidenced by the Note, plus interest, any prepaymentchargesand late
(F)
chargesdue under the Note, and all sumsdueunder this Security Instrument, plus interest
(G) "Sums Secured."
The nmountsdescribedbelow in the section titled "Borrower's Transfer to Leader of
Rights in the Property" sometimeswill be called the "Sams Secured."
" All Riders attachedto this Security Instrument that are signed by Borrower win be called
(H) "Riders
"Riders."
The following Riders are to be signed by Bormwer [checkbox as applicable]:
O Adjustable Rate Rider O Condominium Rider O SecondHome Rider
O Balloon Rider O PlannedUnit DevelopmentRider O Other(s) [specify]
El I-4 Family Rider O Biweekly PaymentRider
Law." All controlling applicable federal, stateand local statutes,regulations, ordinans
(E) "Appliaible and
administrative rules and orders (that havethe effect of law) as well as all applicable final, non-appealable,
judicial opinions will be called "Applicable Law."
(J) "CommunityAssociation Dues, Fees, and Assessments." All dues. fees, assessments,
and other charges
that are imposedon Borrower or the Property by a condominimn association,homeownersassociationor similar
organization will be called "Community Association Dues, Fees, and Assessments."
Funds Transfer."
(K) "Electronic "Electronic Funds Transfer" meansany transfer of money, odter than by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetiptapeso as to order. instruct. or authorize a financial institution to debit or
Initi
NEWYORK-Single Mae/Freddie
Family--Famde MacUNIM)RMINSTRUMENT Form30331/01 earge2 of D pager)
NYtCME- 03102005 www,ProClose.com
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Loan ID #
credit an account. Somecommon examplesof an Electronic Funds Transfer are point-of-sale transfers(where a
card such as an assetor debit card is usedat a merchant), automatedteller machine(or ATM)
tramactions,
transfersinitiated by telephone,wire tramfers, and automatedclearinghousetramfers.
"Escrow Items." Items."
Those items that are describedin Section 3 will be called "Escrow
(L)
Proceeds.""MiscellaneousProceeds"meam any compensation,settlement, award of
(M) "MisceEaneous
damages,orproceedspaid
by any third party (other than InsuranceProceeds,as defined in, and paid under the
(i) Amane to, or destruction of, the Property; (ii) Condemnationor
coveragedescribed in, Section 5) for:
other taking of all or any part of the Property; (iii) conveyancein lieu of Condemnationor sale to avoid
Condemnation;or (iv) misrepresentationsof,.or omissionsas to, the value and/or condition of the Property.
A
"Condemnation."
raking of the Property by any governmentalauthority by eminent domain is known as
"Mortgage Imurance" meansinsuranceprotecting Lender againstthe nonpayment
(N) "Mortgage Insurance "
of, or default on, the Loan.
(0)"Periodic Payment."
The regularly scheduledamountdue for (i) principal and interest under the Note,
and (u) any amountsunder Section3 will be called "Periodic Payment."
"RESPA." "RESPA" meansthe Real EstateSetdementProceduresAct (12 U.S.C.
(P) § 2601 et seq.) and its
impletnentingregulation, RegulationX (24 C.F.R. Part 3500), as they might be amendedfrom time to time. or
any additional or successorlegislation or regulation that governsthe samesubjectmatter.
As used in this
"RESPA" refers to
Security Instrument, all requirementsand restrictiom that are imposed in regard to a
loan" even if the
"federally related mortgage Loan doesnot qualify as a "federally related mortgage loan" under
RESPA.
BORROWER'S TRANSFER TO LENDER OF RIGHTS JN THE PROPERTY
1 mortgage, grant and convey the Property to Lender subjectto the terms of this Security Instrument. This
meansthat, by signing this Security Instrument, I am giving Leader thoserights that are statedin this Security
instrumentand also those rights that Applicable Law gives to lenderswho hold mortgageson real property.
I
am giving Lender theserights to protect Lender from possiblelossesthat might result if I fail to:
(A) Pay all the amountsthat I owe Lender as statedin the Note meluding, but not limited to, all renewals,
extensionsand modifications of the Note;
(B) Pay, with interest, any amountsthat Lender spendsunder this Security Instrument to protect the value
of the Property aml Lender's rights in the Property; and
(C) Keep all of my other prdmisesand agreementsunder this Security Instrumentand the Note.
DESCRIPTION OF THE PROPERTY
J give Lender rights in the Property describedin (A) through (G) below:
(A) The Property which is located at 639 KENDRIX STREET
[Street]
BROOKLYN , New York 112 o7
ICity.Townor Villagel [ZipCode]
This Property is in
KINGS County. It hasthe following legal
description:
SEE LEGAL DESCRIPTION SCEEDULE "A" ATTACHED
SECTION: 13 BLOCK: 4075 ICT:44
(B) All buildings and other improvementsthat are locatedon die Property describedin subsection(A) of
this section;
(C) All rights in other property that I haveas owner of the Property describedin subsection(A) of this
section. Theserights are known as "easementsand appurtenancesattachedto the Property";
(D) All rights that I have in the land which lies in the streetsor roads in front of, or next to, the Property
describedin subsection(A) of this section;
(B) All fixtures that are now or in the future will be on the Pr.opertydescribedin subsectiom(A) and (B)
of this section;
(F)All of the rights and property describedin subsections(B) through (E) of this sectionthat I acquire in
the future; and
(G) All replacementsof or additions to the Property describedin subsections(B) through (F) of this section
and all InsuranceProceedsfor loss or damageto, and all MiscellaneousProceedsof the Property described
in subsections(A) through (F) of this section.
Initials:
NEWYORK-Single
Family--Fannie
Mae/Freddie
MacUNIFORM1NSTRUMElvr Form30331/01(pase2 of 12PG8es)
- o310200S
INY1CM2 www.ProClose.com
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O RepublieNationaltitleInsupggaggapmg
sCmmEE A
ALL thatcertain piece or parcel
pint, the bundinga
of land, with and improvements thermen
and balag in the Rorough
erectes, singda,1ying of Breeldyn,
CountyofKinpiCitrandstat.ef
Neyr York,bounded as folkms:
and described
BEGINNING on the Easterly
at a potat side of Hendrix
Stmetdistantde·$ent Northerlyilrom
the -
Northeasterlymorner eirLivonia
Avenue and Wendrk Street;
RUNNeiG THENCE Enterly paratelwithIAonts Avenue and partof the way
through a p wty
wall,100 f bet;
REMNNING THENCE NortheatrparnEel with
Hendrix Street 20 Sash
RUNNDTG TERNCR Westerlyagain parn8stwithLivoniaAvenue and partof the way throt
gh
anotherpartywaR 100 $eet to theEasterly
side ofHandrixStreet;
RUNMNG TEtENCE Southertyalong said Easterly
aide of drix: Street 20 9eet to the pain
ar
place of BRGINMNG.
FOR CONVEYANCING ONLY
Togetherwith alt the right, and interest
title of, in and to any streets
and roads abetting
the ibove
describedpnanises.
our peasesor mueinnumeaninemiemuh hsilangsametunpremneum
aemesewMen by inw assaten set property ateur
seassemyexpedidaurdn. MuirB.ee ematoatunnianwhellMrweliste empninef4
of ths prepatFmassenayendel etobe
anerateoremareapturtmustessanians
to behuntm4pitainenqueltsmeh
insurance.In someenl% earinsksmenetprm de (br
aneselmsman
anarp rer s"ehbunames.
PCBM26488-74-A(492) NYULTACEUltiCATBOFTEDS SCMiDILBA
!
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Loan ID #
BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLICATION TO
DEFEND OWNERSHIP OF THE PROPERTY
I promise that:
(A) I lawfully own the Property; (B) I havethe right to mortgage, grant and convey the
Property to Leader; and (C) there are no outstandingclaims or chargesagainstthe Property, except for those
which are of public record.
I give a general warranty of title to Leuder.
This meansthat I will be fully responsble for any losseswhich
Leader suffersbecausesomeoneother than myself has someof the rights in the Property which I promise that 1
have. I promise that I will
defend my ownership of the Property againstany claims of such rights.
PLAIN LANGUAGE SECURITY INSTRUMENT
This Securhy Instrument containspromisesand agreementsthat are usedin real property security instrumentsall
It also co*mainaother promisesand agreementsthat vary in different parts of the country.
over the country.
language."
My promisesand agreementsare statedin "plain
COVENANTS
l promise andI agree with Lender as follows:
1. Borrower's I will pay to Leader on time principai and interest due under the Note
Promise to Pay.
and any prepayment, late chargesand other amountsdue under the Note.
I will also pay all amountsfor
Escrow Items under Section 3 of this Security instrument.
Paymentsdue under the Note.andthis Security Instrumentshall be made in U.S. currency. If any of my
paymentsby check or other payment instrumentis returned to Leader unpaid, Leader may require my payment
he Inadeby:(a) cash; (b) money order: (c) certified check, bank check, treasurer's checkor cashier'
Preview
FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 NYSCEF DOC. NO. 51 RECEIVED NYSCEF: 07/13/2022 EXHIBIT A FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 NYSCEF (F ILEDDOC.: K INGS NO. 51 COUNTY CLERK 0 8 /12 2 0 2 1 0 9 : 3 7 RECEIVED INDEXNYSCEF: NO. 520498/2021 07/13/2022 / AM| NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF KINGS DEUTSCHE BANK NATIONAL TRUST CERTIFICATE OF MERIT COMPANY, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT RELATING TO IMPAC SECURED ASSETS CORP., MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-1, Plaintiff, INDEX NO. vs. JAMES FREDERICK; NEW YORK CITY ENVIRONMENTAL CONTROL BOARD; NEW YORK CITY PARKING VIOLATIONS BUREAU; NEW YORK CITY TRANSIT ADJUDICATION BUREAU, #1" #12," "JOHN DOE through "JOHN DOE the lasttwelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, ifany, having or claiming an interest in or lien upon the premises, described in the complaint, Defendant(s). 1. I am an attorney duly licensed to practice in the state of New York and am affiliated with the law finn of Robertson, Anschutz, Schneid, Crane & Partners, PLLC, the attorneys for the above-named plaintiff. 2. Debbie Best, a Contract Management Coordinator of plaintiff or plaintiffs servicer, confirmed that she personally reviewed plaintiffs documents and records to relating this case for factual accuracy. l|IllIIllIIIIIIllEIIMMIIIIIIIIIIIIll 11111111111111111111H11111H11111II|ltlIll 1111111111111111111IH11II111 21-049689 - jg 1 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 |F NYSCEFI LEDDOC.: K INGS NO. 51 COUNTY CLERK 0 8 /12 2 0 2 1 7 RECEIVEDINDEXNYSCEF: NO. 520498/2021 07/13/2022 / 0 9 : 3 AM) NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 3. Based upon my review of the communication with plaintiff'srepresentative, as well as upon my own inspection of the documents and other diligent inquiry, I that to certify the best of my knowledge, information and belief there exists a reasonable basis for the commencement of a mortgage foreclosure action and that plaintiff or itsnominee is entitled to enforce itsrights under the loan documents in accordance with applicable law. 4. All of the relevant documents, all of which have been reviewed by me, are attached to this Certificate of Merit. Dated: August 10, 202 Westbury, N York BY: [ ] Z. B KIN, ESQ. [X] ONY CELLUCCI, ESQ. [ ] LUCE PIERRE-RUSSON, ESQ. [ ] MARGISELLE ESTEVEZ, ESQ. 21-049689 - jg 2 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 |FILED: DOC. NYSCEF KINGS51 NO. COUNTY CLERK 08/12/2021 09:37 RECEIVED_INDEXNYSCEF: NO. 520498/2021 07/13/2022 AM| NYSCEF DOC. 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Addotatuty ranpret anti who is eñlilled m·xedeivepayn=mis under be None is cidled she "NoteEok1st-" In ' cumide;ralian of Leadar'r ngxcepent to provide the imin ev-denued-.byfie Nule, and as u nuthmintinducement to Leadq to.grant sush;1oanand.the terms sctfor6s ikthe . h-ogo,Domnveragrees 10the following y:oviidons. cintw duithdir:g anytidog contatty enÀgainedi-nthe Nnte Soonsity hadrutmentatnher m1stint Inan dnemnant! ifrepaymentPaii-nity 1hayc·e.Tight to rake pay - _ of >zincipal'ateny timp before thepam ¦re- Ayayment of Prk,dpiglanly . , known. asa "Prepayinear./. Wher.1mailas aTrepayment, T will letdm NaimHoldår in wñnZugknti st mo. Gmg -. Itwl|hin me 0rst Twel-ve l - ( 12 } raanihalof ths.1ban,Tatalmf fMIIPrepeatent or, a partial Prepayment wl1erethe totni of als:h©pattialPrepaynieni(s) in m,ny19elve.02) moni11period exceechthe.nty - ' 20.090 oz oie '.petcalit.( %) origi.wl Printipar innotint ofthe I loan, wi3paya prepaymatil obarge-("Prepaynient hanity")equal.te s:× - - )-marithit' Interest (at the rates1meffect at the·tims Prepay1ment . .. ( 5 occurs) ori the amount hy wlùch the total of q'Prepayxrmat(a) .' within that twelvcv2):son6 - peried-exceeds trenty "gs)'affm pereest (.. . 20,000 original h0ipa-- amou1stof flimlosin. Mistenffer, I inigy.tankefull Psepayonentorstfazdit< fiepityligent tdt!sgut pas:rg sukyPrepayment 'lite flof e 1folder Wilt itse_nl1bf nty Prepayssentsto tedixie the amount aFPrincipal em) owe under thla Note. NI mdo tere it paniml P&papnen"; will be no changein the due dagesof y monthly payments nalear the Note IIolder agreetcin-vregto !ose:chilagacqIftis Nole pmv-des 4be maimIjustahTo pedial Pregnyi-untLnin intered tage,.ag tqdBce theftlount Of iny mongb|ýpayacuis after-dic fuiit Changc·DRIE D OWÅGgsy paF518Î PftpEF Sta - TOWhySr, Amy reduction in the amount of as n:ammT y psynient due to urf girliuL Pregiayumnsinuy he oFamlby an inle¢est role in.umm. of the provisiors lo liz such.Pispily:nent Any fucguing candary notwi'hsigculi:g, Penalif skiill rat ex:ce:1 fit croqnt, and the rikh: to chargesóch Psegnyspong Penshy shsEIøÇzomáin in ef[93 coultuy 90outbeyond. atty T linigstions imposed by eppilcable law. BY Æi)3|ING.DELOW, Borrower.ascepts.and-agreesto the terms and connantis in flris PrepaymereAdd±adumto Note - ÓIst 200.6 Date EntEs572ED1ntICit- Borrower - - Date DIte '. . -Borrower PPP-_VernidnI . ;,. WJ) hh5209( * . , www.Pradose.cout . ... "20tiMarugageDar.Wng FestemsJnc. 5 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 NYSCEF INDEX NYSCEF: NO. 520498/2021 |F ILEDDOC.: NO. K INGS51 COUNTY CLERK 08/12/2021 09 : 37 AM| RECEIVED 07/13/2022 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 NYC DEPARTMENT OF FINANCE OFFICE OF THE CITY REGISTER This page is part ofthe instrument.The City Registerwillrelyon the informationprovided by you on thispage forpurposes ofindexing thisinstrument.The informationon thispage willcontrolforindexing purposes in the event °'"" °°"*°' " * *"°®' °f*° d°°""°"' 2006020601030002001E497A RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 17 Document ID: 2006020601030002 Document Date: 01-31-2006 Preparation Date: 02-06-2006 Document Type: MORTGAGE Document Page Count: 16 PRESENTER: RETURN TO: OLD TOWN ABSTRACT COMPANY LLC FIRST SUFFOLK MORTGAGE CORPORATION 3836 RICHMOND AVENUE 1476 DEER PARK AVENUE RSR PICKUP RSR 2ND FLOOR STATEN ISLAND, NY 10312 NORTH BABYLON, NY 11703 718-227-5285 OTABSTRACT@ AOL.COM PROPERTY DATA Borough Block Lot Unit Address BROOKLYN 4075 44 Entire Iot 639 HENDRIX STREET Type: DWELLING ONLY - 3 FAMILY Property CRFN_ or Document ID CROSS or _ REFERENCE Year_ DATA Reel __ Page - or FileNumber PARTIES MORTGAGER/BORROWER: MORTGAGEE/LENDER: JAMBS FREDERICK FIRST SUFFOLK MORTGAGE CORPORATION 639 HENDRIX STREET 1476 DEER PARK AVENUE, 2ND FLOOR BROOKLYN, NY 11207 NORTH BABYLON, NY 11703 FEES AND TAXES Mortgage Recording Fee: $ 117.00 Mortgage Amount: $ 455,200.00 Affidavit Fee: $ 0.00 Taxable Mortgage Amount: $ 455,200.00 NYC Real Property Transfer Tax Filing Fee: Exemption: $ 0.00 TAXES: County (Basic): $ 2,276.00 NYS Real Estate Transfer Tax: City (Additional): $ 5,121.00 $ 0.00 Spec (Additional): $ 0.00 RECORDED OR FILED IN THE OFFICE TASF: $ 1,138.00 THE CITY REGISTER OF THE MTA: $ 1,365.60 CITY OF NEW YORK NYCTA: $ 0.00 Recorded/Filed 02-24-200611:19 Additional MRT: $ 0.00 CityRegisterFileNo.(CRFN): TOTAL: $ 9,900.60 2006000107327 City Re gister Off icial Signature 6 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 FILED:DOC. NYSCEF KINGS51 NO. COUNTY CLERK 08/12/2021 09:37 AM RECEIVED NO. INDEXNYSCEF: 5204 98 /2 021 07/13/2022 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 RECORDAND RETURNTO e Cor IGratSuffolk Mort ratten 1476DEERP A 2ND FLOOR NORTH BABYLON, NewYork 11703 (Space AboveThisIJoethr ReardingDatal MORTGAGE L°ªn In 8 M WORDS USED OFFEN IN THIS DOCUMENT Instrument."This document, wltich is dated January (A) "Security 31st, 2006 . togetherwith all Riders to this document, will be called the"Security Instrument." "Borrower,"JAMES FREDERICK (B) , whoseaddressis 639 HENDRIX STREET, BROOKLYN, NEW YORK 11207 sometimeswill be called "Borrower" and sometimessimply "I" or "me." IC) "Lender."First Suffolk Mortgage Corporation will be'called "Lender." Leader is a corporation or associationwhich exists under the laws of .Lender's addressis 1476 DEER FARK AVENUE 2ND FLOOR, NORTH BABYLON, New York 11703 . (D)"Note."The note signed by Borrower and dated January 2006 31st, , will be called the "Note."The Note shows·thatI owe Leader Four Hundred Fifty Five Thousand Two Hundred and no/100- - - - - - - - - - - - - - Dollars (U.S. $ 455,200.00 ) plus interest and other amountsthat may be payable. I havepromised to pay this debt in Periodic Paymentsand to pay the debt in full by February 1st, 2036 . "Property."The property that is describedbelow in the sectiontitled "Description of the Property," will IE) be called the "Property." "Loan." The "Loan" rneansthe debt evidenced by the Note, plus interest, any prepaymentchargesand late (F) chargesdue under the Note, and all sumsdueunder this Security Instrument, plus interest (G) "Sums Secured." The nmountsdescribedbelow in the section titled "Borrower's Transfer to Leader of Rights in the Property" sometimeswill be called the "Sams Secured." " All Riders attachedto this Security Instrument that are signed by Borrower win be called (H) "Riders "Riders." The following Riders are to be signed by Bormwer [checkbox as applicable]: O Adjustable Rate Rider O Condominium Rider O SecondHome Rider O Balloon Rider O PlannedUnit DevelopmentRider O Other(s) [specify] El I-4 Family Rider O Biweekly PaymentRider Law." All controlling applicable federal, stateand local statutes,regulations, ordinans (E) "Appliaible and administrative rules and orders (that havethe effect of law) as well as all applicable final, non-appealable, judicial opinions will be called "Applicable Law." (J) "CommunityAssociation Dues, Fees, and Assessments." All dues. fees, assessments, and other charges that are imposedon Borrower or the Property by a condominimn association,homeownersassociationor similar organization will be called "Community Association Dues, Fees, and Assessments." Funds Transfer." (K) "Electronic "Electronic Funds Transfer" meansany transfer of money, odter than by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetiptapeso as to order. instruct. or authorize a financial institution to debit or Initi NEWYORK-Single Mae/Freddie Family--Famde MacUNIM)RMINSTRUMENT Form30331/01 earge2 of D pager) NYtCME- 03102005 www,ProClose.com 7 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 FILED:DOC. NYSCEF KINGS51 NO. COUNTY CLERK 08/12/2021 09:37 AM RECEIVED INDEXNYSCEF: NO . 5 2 07/13/2022 0 4 9 8 / 2 O2 1 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 Loan ID # credit an account. Somecommon examplesof an Electronic Funds Transfer are point-of-sale transfers(where a card such as an assetor debit card is usedat a merchant), automatedteller machine(or ATM) tramactions, transfersinitiated by telephone,wire tramfers, and automatedclearinghousetramfers. "Escrow Items." Items." Those items that are describedin Section 3 will be called "Escrow (L) Proceeds.""MiscellaneousProceeds"meam any compensation,settlement, award of (M) "MisceEaneous damages,orproceedspaid by any third party (other than InsuranceProceeds,as defined in, and paid under the (i) Amane to, or destruction of, the Property; (ii) Condemnationor coveragedescribed in, Section 5) for: other taking of all or any part of the Property; (iii) conveyancein lieu of Condemnationor sale to avoid Condemnation;or (iv) misrepresentationsof,.or omissionsas to, the value and/or condition of the Property. A "Condemnation." raking of the Property by any governmentalauthority by eminent domain is known as "Mortgage Imurance" meansinsuranceprotecting Lender againstthe nonpayment (N) "Mortgage Insurance " of, or default on, the Loan. (0)"Periodic Payment." The regularly scheduledamountdue for (i) principal and interest under the Note, and (u) any amountsunder Section3 will be called "Periodic Payment." "RESPA." "RESPA" meansthe Real EstateSetdementProceduresAct (12 U.S.C. (P) § 2601 et seq.) and its impletnentingregulation, RegulationX (24 C.F.R. Part 3500), as they might be amendedfrom time to time. or any additional or successorlegislation or regulation that governsthe samesubjectmatter. As used in this "RESPA" refers to Security Instrument, all requirementsand restrictiom that are imposed in regard to a loan" even if the "federally related mortgage Loan doesnot qualify as a "federally related mortgage loan" under RESPA. BORROWER'S TRANSFER TO LENDER OF RIGHTS JN THE PROPERTY 1 mortgage, grant and convey the Property to Lender subjectto the terms of this Security Instrument. This meansthat, by signing this Security Instrument, I am giving Leader thoserights that are statedin this Security instrumentand also those rights that Applicable Law gives to lenderswho hold mortgageson real property. I am giving Lender theserights to protect Lender from possiblelossesthat might result if I fail to: (A) Pay all the amountsthat I owe Lender as statedin the Note meluding, but not limited to, all renewals, extensionsand modifications of the Note; (B) Pay, with interest, any amountsthat Lender spendsunder this Security Instrument to protect the value of the Property aml Lender's rights in the Property; and (C) Keep all of my other prdmisesand agreementsunder this Security Instrumentand the Note. DESCRIPTION OF THE PROPERTY J give Lender rights in the Property describedin (A) through (G) below: (A) The Property which is located at 639 KENDRIX STREET [Street] BROOKLYN , New York 112 o7 ICity.Townor Villagel [ZipCode] This Property is in KINGS County. It hasthe following legal description: SEE LEGAL DESCRIPTION SCEEDULE "A" ATTACHED SECTION: 13 BLOCK: 4075 ICT:44 (B) All buildings and other improvementsthat are locatedon die Property describedin subsection(A) of this section; (C) All rights in other property that I haveas owner of the Property describedin subsection(A) of this section. Theserights are known as "easementsand appurtenancesattachedto the Property"; (D) All rights that I have in the land which lies in the streetsor roads in front of, or next to, the Property describedin subsection(A) of this section; (B) All fixtures that are now or in the future will be on the Pr.opertydescribedin subsectiom(A) and (B) of this section; (F)All of the rights and property describedin subsections(B) through (E) of this sectionthat I acquire in the future; and (G) All replacementsof or additions to the Property describedin subsections(B) through (F) of this section and all InsuranceProceedsfor loss or damageto, and all MiscellaneousProceedsof the Property described in subsections(A) through (F) of this section. Initials: NEWYORK-Single Family--Fannie Mae/Freddie MacUNIFORM1NSTRUMElvr Form30331/01(pase2 of 12PG8es) - o310200S INY1CM2 www.ProClose.com 8 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 |FILED: DOC. NYSCEF KINGS51 NO. COUNTY CLERK 08/12/2021 09:37 RECEIVED INDEXNYSCEF: NO . 5 2 07/13/2022 04 98 / 2 02 1 AM) NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 O RepublieNationaltitleInsupggaggapmg sCmmEE A ALL thatcertain piece or parcel pint, the bundinga of land, with and improvements thermen and balag in the Rorough erectes, singda,1ying of Breeldyn, CountyofKinpiCitrandstat.ef Neyr York,bounded as folkms: and described BEGINNING on the Easterly at a potat side of Hendrix Stmetdistantde·$ent Northerlyilrom the - Northeasterlymorner eirLivonia Avenue and Wendrk Street; RUNNeiG THENCE Enterly paratelwithIAonts Avenue and partof the way through a p wty wall,100 f bet; REMNNING THENCE NortheatrparnEel with Hendrix Street 20 Sash RUNNDTG TERNCR Westerlyagain parn8stwithLivoniaAvenue and partof the way throt gh anotherpartywaR 100 $eet to theEasterly side ofHandrixStreet; RUNMNG TEtENCE Southertyalong said Easterly aide of drix: Street 20 9eet to the pain ar place of BRGINMNG. FOR CONVEYANCING ONLY Togetherwith alt the right, and interest title of, in and to any streets and roads abetting the ibove describedpnanises. our peasesor mueinnumeaninemiemuh hsilangsametunpremneum aemesewMen by inw assaten set property ateur seassemyexpedidaurdn. MuirB.ee ematoatunnianwhellMrweliste empninef4 of ths prepatFmassenayendel etobe anerateoremareapturtmustessanians to behuntm4pitainenqueltsmeh insurance.In someenl% earinsksmenetprm de (br aneselmsman anarp rer s"ehbunames. PCBM26488-74-A(492) NYULTACEUltiCATBOFTEDS SCMiDILBA ! 9 of 27 FILED: KINGS COUNTY CLERK 07/13/2022 04:50 PM INDEX NO. 520498/2021 FILED:DOC. NYSCEF KINGS51 NO. COUNTY CLERK 08/12/2021 09:37 AM RECEIVEDINDEXNYSCEF: NO . 52 07/13/2022 0498 /2 021 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 08/12/2021 Loan ID # BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLICATION TO DEFEND OWNERSHIP OF THE PROPERTY I promise that: (A) I lawfully own the Property; (B) I havethe right to mortgage, grant and convey the Property to Leader; and (C) there are no outstandingclaims or chargesagainstthe Property, except for those which are of public record. I give a general warranty of title to Leuder. This meansthat I will be fully responsble for any losseswhich Leader suffersbecausesomeoneother than myself has someof the rights in the Property which I promise that 1 have. I promise that I will defend my ownership of the Property againstany claims of such rights. PLAIN LANGUAGE SECURITY INSTRUMENT This Securhy Instrument containspromisesand agreementsthat are usedin real property security instrumentsall It also co*mainaother promisesand agreementsthat vary in different parts of the country. over the country. language." My promisesand agreementsare statedin "plain COVENANTS l promise andI agree with Lender as follows: 1. Borrower's I will pay to Leader on time principai and interest due under the Note Promise to Pay. and any prepayment, late chargesand other amountsdue under the Note. I will also pay all amountsfor Escrow Items under Section 3 of this Security instrument. Paymentsdue under the Note.andthis Security Instrumentshall be made in U.S. currency. If any of my paymentsby check or other payment instrumentis returned to Leader unpaid, Leader may require my payment he Inadeby:(a) cash; (b) money order: (c) certified check, bank check, treasurer's checkor cashier'