Preview
FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF CHEMUNG
CARR1NGTON MORTGAGE SERVICES, LLC, CERTIFICATE OF MERTT
Plaintig INDEX NO.
vs.
BRAD THOMAS, AS HEIR AND DISTRIBUTEE
OF THE ESTATE OF DANIEL F. THOMAS;
MARK THOMAS, AS HEIR AND DISTRIBUTEE
OF THE ESTATE OF DAN1EL F. THOMAS; HEIRS
AND DISTRIBUTEES OF THE ESTATE OF
DANTEL F. THOMAS; SECRETARY OF HOUSING
AND URBAN DEVELOPMENT; NEW YORK
STATE DEPARTMENT OF TAXATION AND
FINANCE; UNITED STATES OF AMERLCA,
#1" #ll"
"JOHN DOE through "JO@lN DOE the
last twelve names being fictitious and unknown to
plaintiff, the persons or parties intended being the
tenants. occupants. persons or corporations, if any,
baving or claiming an interest in or lien upon the
premises, described in the complaint,
Defendant(s).
l. I am an attorney duly ticensed to practice in the state of New York and am affiliated
with the law firrn of Robertson, Anschutz, Schneid, Crane & Partners, PLLC, the
attomeys for the above-named plaintiff.
2. Caryn Edwards, an Assistant Secretary of plaintiff or plaintiffs servicer, confirmed
that she personally reviewed plaintiffs documents and records relating to this case for
factual accuracy.
3. Based upon my review of the communication with plaintiffs representative, as well as
upon rny own inspection of the docurnents and other diligent inquiry, I certify that to
the best of my knowledge. information and belief, there exists a reasonable basis for
111IIll11111l1111111MII15 11HIIIIIIlMMERIll111NIl l|ll 1111E1111111BII|I
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
the cornrnencement of a mortgage foreclosure action and that plaintiff or its norninec
is entitled to enforce its rights under the loan documents in accordance with
applicable law.
4. All of the relevant documenm all of which have been reviewed by me, are attached to
this Certificate of Meril
Dated: January 30, 202
Westbury, Ne York
BY: _
[ ] S L B '1SKIN, ESQ.
[X] ANTHONY CELLUCCL ESQ.
[ ] ANNETTE SHACHTER, ESQ.
[ ] LUCE PIERRE-RUSSON, ESQ.
[ ] SCOTT R. WEISS, ESQ.
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FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
Stade of NEW YORK
ADJUSTABLE-RATE NOTE-
can
(Hosne Equity Convers
- I -
Deternber 18, 2M5 FHA Case No..
Loan No.
MIN:
I491 Maph Avenue, Etudra, New York 14904 (Property Address)
L DEFINITIONS
"Borrower"
means eachgemon at the end of this Note. Šhe term does not include his ar her
signing
successors or asw
ridrderiemenewed, waW whuge, --- = ---
Index"
"Current means the most recent index figme available thirty (30) daya before the Oumge Date.
Sptsuse"
*Eh-gible Non-Borrowina monas a Non-Borrowlig Spouse who meets, and amkimus in ment,
the Qualifying Auributes requiremens established by the Secretary thua the Nom"Berrowing Spmse
must satis f) in order to be eligible for ®Ierral of the duo and payable stems.
"Index"
mans the week ly average of interbank altred rates rer one month U-1 dollar-denominated
deposits in London Maket ("LIBOR'), as puNi4ed in the WaH Stran Joamat rounded to three digins
to the right of the decimal point.
Speuse"
"Ineligible Non-Borrowing mems aNea-Borrowing Spase who doesnot meet tta Qualifying
Attributesrequirements established by the Secretary that the Non-Borrowmg Spouse must satisfy in
order to be eligible for deferral of tlu due and payaNe status.
"Ion&r"
means Anacrican Advhorn Group and its successors awl assigns.
Agmsuest"
'Loma means 6e Home Equity Omvesion Mortgage Adjustable Rate Loan Agreement
dated December 18, 2015 by and between the Barrower and Lemier.
Spouse"
"Non-Berrowing means the spouse N/A, as deteremined by the laws of thestate in which the
spouse N/A and Borrower N/A reside w the state of celebra6on of the Berrower N/A at the time of
closing and who is rat a Barrower..
"Property"
mesms Bonner's property identified in the Searity Instrument.
Address"
"Property means me address provided above.
Attribittes"
"Qualifying means those requhemena establWwd by the SecretartyEhat the Non-Barowing
Spouse must senisfy in order go be eligible for deferral of the due and payable status-
"Secretarym means the secretary at Housing and Urban Developnes a his ar her euthorized
myesorgatives
I I
Pagef d6 HEDdFhdNob30L$
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..... __ ._
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
Instranent"
"Security meam the mortgage, deed of trust, security deed or other searity instrasem
whidi is signed by Borrows togedher with du loan Agmemet and which seraes the amoums
advarmed under this Note.
1 BORROWER's PROMISE TO PAV; INTEREST
In return fu amounm to be advanced by Leader to or fcr the benefit of Bormwer under the tenna of the
Lean Agreenet, Rormwer pmmises to pay to the ader of Lender a principal amount equal to the sum
of all Loan Advances made under the loan Agreement with interest. All amounts edvaned by Lader,
plus interest, if not due carlier, am due and payable an December 16, 1102. Interest will be charged on
unpaid principal at the rare of Three AND IEighty One Theasandth percent (1981%) per year until the
full emount of priacÿpal has been paid. 7 he interest tate may change in accordance with Paragmph. 5 of
this Note. Accrued increst shall be added go the Principal Balance as a Lean Advance at the end of each
month.
Barower's prom ise to pay is secured the Security Instnanent The Seemity InstrHnent potads dhe
4. MANNER OF PAY MENT
(A) Tkme
Borrower shall pay aE outstanding principal and acerned irderest to Lender upon remipt of a
notim by Leader requiring immediate payment in-thII, as provided in Paragraph 7 of this Nota
(B) Place
Payment shall be made at American Advisors Cresp. 3800 W Chapman Ave, 3t11 Fleer,
Orange, CA 92868 or at such other place as lander may designate in writing by notice to
Barrower.
(C) thattation of Liabsty
Barrower shall have no personal liabilty fu payment of the del?L Leader shall enfome the debt
asly through sale of the Property. If this Note m assigned to the Secretary. the Barower abs3] met
be liable for any difference betwan the matgage insurana benefits paid to I.ender and the
outstamling indettedness, mcluding accrued interest, owed by Borrower at the time of due
assigmnent.
5 INTEREST RATE CHANGES
(A) Change Date
The interest rate may change on February 1, 201¬i and on the first day of each succeeding
month.
(B) The Index
Beginning widh the Srst (3anga Date, the imerest ree will be based on the Index chosep by the
Bormwer, as specified b this Nata 17 the ledox is no longer available, 14uder will use as a new
Index any index maturibed by the Secretary. I.ander wiB give Bareww notice of the nowIndez.
(C) Calealetica oIlaterest Ratc Cbnuges
Before es± Change Date, Leader win calculats a new interest rate by adding a margie of Two
AND Seven Usudred Fifty Thomandlh percentage points (1750%) to the cunent Index.
Subject to the limit stated in Paragraph 5(D) atthis Note, this amount will be the new laterest
rate until the next Change Date. . _____ . _,___
(18 L1naIt ea Intenst Rate Changes
The intenst rate will never increase above Thirteen AND Eighty One Thousuadth percent
(11881%¾
empus tacumnae au
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
(E) Nottee of Ouences
Lander will give notice to Borrower of any change in the interest rate. The notice muse be given
st least twenty five (25) days before the new interest rate laises effect, and must set forth (i) the
date of tfe seeice, (10 the Change Date, (iii) the eld interest rant, (iv) the new intment rate, (v) he
Cummt Index and the due it was published, (vR the method of calculating the adjusted interest
rate, and (vli) any other information which may be requimd by law from time to time
(10 Effective Date of Changes
A mew interest rate calculated in accordance with Paragraphs 5{C) and 5(D) of this Note will
become effedive on the Change Dale, unless the Gange Dwe occurs less thpa twenty five (25)
days afkr Lands has given the requhed notice. Ef the interest ate calculated in accordans with
Pamgmphs S(C) and 5(D) of this Note decreased.but Leader failed go give timely notin of the
decrease and appUed a higher rate than the rare which shouhl have been stated in a timely stice,
dan 12mhsr al iall i coalculate Elm Friumlpal 14ahznce owels under dus Wate m it ska put recteca.
any excessive interest
..
6. BORROWER's RIGHT TO PREPAY
A Borrower receiving monthly payments under the Loan Agreement has the tight to pay the debt
evidenced by this Note, in whole or in part. without changs or perialty. Any anount of debt prepaid will
first be applied to reduce the Principal Balance of the $econd Note described in Pamgmph 1I of this
Note and then to teduce the Prirmipal Balance of thi Note.
All prepayments of the Principal Balance shall be appEed by Leader as fbBows:
first, to timL portice of the Principal Balance repmsenting aggregate paymenia for rartgage
insunmos premiutns;
Second. to that portim of the Principal BalanS represetting aggregate payments for servicing
fees;
Big[, to that portion of the Principal Balance representing accrued interest due nader the Note;
and
IWrth. to the remnaining portion of the Principal Balace
A Bormwer may specify whether a pregwyment is to be credited to that portim of the Principal
Balmme representing monthly payments or the line of BANELF
"Maripena - MERS
armms_
measman as
susp-azn!En $4. 75
IORMIOMP a $14.35 M0ameneE 3500R2 $
ano-coumrr $1.co
tes anconazno 895.00 saste nonsense sax $
n2sc 7zrJ50 a RActmtWING $5.00
ESCONDzNG SEEET $5.00 8PEC ADDrrZ0NAL NES ERE $
20ERL PAID $125.00
estal $ e.co
enannsrst sax
Agg·
*ERMFgg $
EmaMSFER TAE $ 0.00
BrATB0FNEWYORK
GEMUNG COUNTY t'Ingmir
TEB 5INEF CONStHUEEA1EECLEREENDnannMENT
REQERED BY EECHON M6-A (5) WOR THE REAL
PROPERFf IAW QF THE SFATE OF NEW YORIL
DO NOT DETACH
CATmtRIME E. |1imu s - COUNTY (1EREE
'- AØnanksdoesnt sh"ps Apfeden@mdha peaursaf
asamatemap any mestmlinkiaddrpqs.
counun
IMIBM
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
remed and:ctam to: Adelssts dimep
3000 An 3idPhor
Otmust
Thinistrummit pupped by: Asustlem Advisors Gang
3A00 W Qgeplann A% 3rd P1øur
annse camass
RENRIES
recTianassemainc
1sco pinasmakle
ass455
Resisel i. tomott0
pgman Above Tids Line FurBusoedhuDess
MIN
muosr^manArs
HDMEEQUITY CONVEREONMORTGAGE
THIB MORIGAOB ("8scmily Instrumenr) Is gham na Desensber Its 2BI5, The mortgagaris
DANEL F T805548, whess midress is 1491 Maple Avenes, Ekshm, Near York 180s
"Barnmer"
("Bunswer"). The tsun does met inshide ibe Bongesshsucceseces or aseRpm.ThinBsourty
Instromanis sivenso Marapes sieueuman neggaurasium systems,Ims. whida is
("MERST
agedzed mid axi thag smler the Izum of Deinrare, sad whens address is P.O. Box 2836,Bilat, bgy
4WD340M, Asimphone (BOS) 679-MEREi. Amerised Advisers Groupis argpmised mad eshqss
under the Inns of Calihnda, and has an eddress of3890 W Ave, 3rd Fisor, comage,
CA Bonewer lum greed to rupey b Lauleranouns which I.mader in oblissisd to
advance,includhig fbture advam under the terms ofa Home lama Agrm==d
Egdty Convasion
dent the mme date as dds
Scemity knmmsset ("Iman Agresmstr).The agreanum nprepsy is
evidencedby Bommux's Aqustable.Raim Note dated Ano same date as this Security huInsment (*)Inte").
The martgagee of this Securtly Eastrument is MERS (solely as mondnee (br lander and Eender's
soossusers sad assipm) and she "==="ss and andgamatMERS. This Security Instrument encizes
to Lander: (a) she repugmust of aba debt evidenced
by the Note, with inksest st s rate sutrject so
m§nmknent ami all f mmmis, sptnmians und modIScasimm oftbo Ness. ep to aunmanmum
primmipal anxmxt af one umumag puty one Š*ommand, she ummered poairs and zano cuser
(UAsis3,50A00 ); (b)1he pgment of eH a er sum with intment, mitzwed unior pmagaph 5 to
Instant the memrity of dds SeemiÆ kmtrames
h
erothewise due unfer an tems of dais
Seasty
hunnsnant and (c) the perhnnames of Barawth cope=* sad agnumens under Adm Samsty
Immunant and ths Nee. Ibe f Widebt, "==M da=E=3 in (s), (b), ami (c) asmitnotda
kmluding
emEer, lu due ad payable en 26,NW . Fer tWspmpose,
Benome·dueshmehy mudgsp,
arsenadesmayee
menswoomemandassigmetmEas,a-fbuswingdsamamd
stepeny Inceled b CHEMUNG County.NEW YOitE:
venru smeneshesemppasu
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
thstanddsearipdummmEnhink A atimshe4 harese sud made a part knest Ibr aEludsmanand
Purposes
widdahmstheaddamsof
MitWapinavemogEinds,NewYoskidBM.("Asps Ad4meQ
WOETMiRWIFHaAthefugmoveassesnevarbereathrerectedesthopropessy,andatessomsets,
upperb r , and figtagg ggg gr hgggs||grapeutoftheproperly.ABapim"==meamd
=shmitabobeamstedbyddsSeeminInstnamus.AEofthefengp¾ginalieredgmindhis
summiiyIone-weathe-Propery name-er=*-m-Amidammesthstmentsboidea issuisine
tmIbeharesisarmnedbyBenewerimtWassamay1sstammem,bet,Ifmsonssaryteconq#wtoniewer
mulem,MERS(asmosminecibrLamistandiandstassumescrsandanshpis)hestherWit: toanseclue
nayersilofthoseinimness,histudkgg,butmsthaludgthorighttalbseeineesademRthePtmperty;sed
intakenryacehmsequiredeftandarInchmSng,butmotihmitedgr+"ehrandeuncellagthiefisumb
Instrument.
BCRROWERCOVENANIBehatBonomerisiswfb&ysehsdofdeestnebenbyanmmedandhmethe
rigistematgage,ansteedmoverthshmpergmaddaminePtegeth-h=I Benever
numentsandwiBestbedgenerutydnetidstotbePapwlyegahutaEchimaseddamunds,esidestle
mysmemminenessermond.
THIB5ECURrrY DISTRUMENTa""I4=«unighumessemmafermatinesiummemime-edfums
amassiswithilmhniv"riminnabyjimindis8nanna=mamm"atmdamasangrilyknestsmentseverlag
redpmperty.
UNUMM COVENANI5. Bssromer mid Imader casement aml spee a fbUews
LPspumumeIPrimsignism tatermLBennur imilpsywhenduetheprim4miafSE51,50(ul0,"od
imamustmi,thedatemvidmisedbythe Note.
LNamstofPrepartyClerge,Ba:owershanymystpagatydingsusemishlBdimepertytmmss,
hazedhe===premimngAcad%m"=*1medumn,youndrams, wmambhum has, pha ed milt
developmnsdfbas,hameowmx'am"=4minatess,nadagelbergeoisimthats besquimd
by tossiersonsiewtostimelysmemur,mmishmilpmakleetidenseafpsymenteelamisr, unimIE 54Gder
psysocusimpropatychargesaspsevidedfhrandfatacandumsewkhthelannagemanet
3,7¾Ptandead0disrHammediumramme,BongwershmHimammalthapsesunsemandu ,
edudulr"owinaria=armtheequemeyerected,agmhtmanyhnsards,eammaldes,and
insimeng,butnate-innate.fue"adflood, forefachlanderequirest- suchimmummonsimm
be="inMinadinthemmeists.andibrthe pezieds thmt huder repaires;Imxhrbasthedismethmem
imarassmardessessetheamountermayinsumnoesequiredatanyakneprovidedthsammesfsequmitoer
gmatorthamagmimiernmragtiredbythmSeendaryofHousfsigendUrbenDeveinpmat("Seameery").
Whagmarsalmederisqmemafloodimumanarequiremet,BoonweraMata=h4"iuntmureaM
IImptonsnentsantheProperty,whedisrnswinedsmacecrmifmequentlymented,agufustlessbyllands
endisementuaquiredbyeeBeneasy.IfdieLanderbmposesinamanesequiremena,alibunassembah
beesnisawthoenipedesuppresedbyr.meds,andeshumnseepe6cInsmidanyrenewaisebonne
hsM J.modmandsimRimmindsinsupsyaMeefamehtavuroCamifnsibramoseptablomfander.
=
Inthsevmsonous,sasswershmRdwelanderk"=Ra"mminebymmiLImdarmaymuhepruefef
hessantandepresseybyBam-m·.5mshkmmsumme esmermed In humby andmrlsed and
awaerm assessendameweens
....-- r -- -- - - . - " " " · '
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NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
dirutuitom4epsymmm1,rmumbinestnLandarkseedermannowmamllenderlahilk.h-
preemadedmRhepppRedmenolmedatmI9altofthedunagedPmpertifthsimmemannermpairis
"===* myselMenedLamierssecalitylanotleenesoilf@ssentomlinnernpairianst
====*any mnslMoorram¾ueemrhywedibetessened,mai===ganesedmahanbampplied
firstbatheredaflonefenylodatsedrasexualeraSecondNassandmawuisamrityloatanent(se
densibedinBampaph15)hnkibythesemetaryoneePrepanymedemnedsorahmicooffles
indshtednamanderthsNasandthissece¼ Imamanent Amy excessinsmunmepreenedsomeram
assesrequiredippugnlicalsizeding W±A""muterthsNoteend6dsSeceityinatnamendebeR
beputate me onetries"Ibammisd enes.
Incenamararsanosmoofesearbramummearee-rnamarardeemeetwestreme
extl¾misbandlekidebtednsms,andght,tidemedialunatefBammerhandmh=m"wepalisissin
axesshdpassanthopumbsaur.
4.oanspancy,Preservuslum,M"t"m="=andPreenedamermartspungg Burmeer%Iman
E mh M" Banswershdosaggy,amsNinia,andmeemnopatyasBemeanna
an"Ihra smartheemenudonorthissecurtyhnaumentadikmrower(armienstone
Benewur,ifinidal¼morethanemopersonmeBasewers)simila"w"n"tneesupy thaPmpanyas
Benewa4PeacipalRaeMusefortistumortinssooudlyhmiruman.
Banswerdisunseammawaneerdeecy,damagear-h-a"my shangstbePtopeteemardio
Papartymestorkmage,reessiablewearandisuransptmLBamwarsimilmisobehidensitif
Benomer,dmingtheiosnepplicatisopmouse,gmenstwid¼fidamehecandeinfannationer
si mu matobinder(m-failedtoprovkleLandermlthasymammislimrn-manm)fn=="tanwthee
lomasvidensedby thsNoes,'-hanag.bdnotHassedta,npr=*S-commerningBermweh
c asupungofthemepetyasahincipale-M-- Iftigesearitylmannesmisonahamehnld,
lkmewerabnitcompkwietthsprovistmmsoftheleman.rfBapowermegshesféstitisedisPtopert
flul"".mhddsadAethleshannotbannergefuntensI.andesipmentothemaqperinwrldag.
S.ChengesteBenumr sad ProtestiseafLendarkIthbts to es Papert$.BonewershaBrayaU
guarmamaternmmisipsic1mnips,fbssmaiimposidensthemenotiusludedimPasguph2.
Barewershdpig eseeiggs@onsenthnodirest¼tosessity wMdaisowedthopsynam.If&Hme
topsy womidalversevenbetiander$tinarestimtheMmputy,uponLendeDsmpetBmemershdi
Aznishiolandwnestpisevkhaniqdamspmymsms.Banomershdl1rampthdhabaguage
whichhampdorhyoverthimSamt¼1nstrmantindiseminerpmvidmlinPwayaphi4(c).
IfBarrowersestomskednmepopmenmarthopmpetycharganquiredbyPmpgraph2,er&Itsge
pmannampothernovenamsaulayeememnandsh=dindnssensityInstrument,m-theseisalagal
proceedingthatmsymigddcamt¼athsti.endersrIg)dminthsPropemy(suchasapamedhigin
hankntptcy,2sr mwvhennadmartoenIbros htenorregahtions),thsafamisa'angdonedpaywinerver
innesseumytopmseatthevalue of payment
thpheputyamllendettr¼htalatePteputtydd"vNag
efpropatytanas,hammifmemmiceandetherhumamendanadinhaguph2.
Terratastlanda anemarkhsthenopsty,I.anderdinitedvanosanddumptoBosoursAamemes
dustomesematayardmMonguakunrsmpPammiumma6andInd:eLeanAgeementameRs
annumsdnesotheleauservicertbraervicinsandvitienand"EmdineeImanAgamamLAmymnsumm
dishmsedhy tanderneserednemursimshanbeesmem-um-idstitofeemewerass-ovidedfor
inentmenasmananandshaltheaemnedhysunseenwimansame.
6.InspeedeasLendererkmagestasymmerar,fnspectormaksqquebeinofdiePtepertyles
main-sndatr""==MathamprovidedthmtlARdershaEgivetheBerrowernetIcepdorge
mgh"
oraigesiselageoltingapurpsestbrdishispedlonorgipraindshishmnat6etelaindto
tomestinamptuouny.tfamenopartrfasecesa·mbandanadertheimmisfadshah,tander
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..e... .fm,m.4.r.e -erd,me,ns..me..m-
neanensionwthey . oretherinkhgaragpatofthePteputy,erbrcopscymmeIn
phmofa=ulam=shshenbopsidashafer/IbepressedsabagbosppGad9tstmthesudestlemer
anw`¾-aderesecondwoemadenoundsenskhes-meatmemby thesensuryanas
hopesy, und theatothendesdonefthsMdewa"vedertheNeemandedmSecurilyInnRumenLAq
secempseseds mermamemerophediopealamm=the undertbeHolmandtMs
SemnityhatnumentshmAbeisdatotheendlylegmAyemddedthensio.
s.nes.Landermercanessmandamassamshortenderess"" any.
9.Nem-Berrowhgapomme. Beower,NIAbamariedfoNEAFNan.BenesingSpounc%whoisnata
seemeraderestennsafes"Namf hanagememf ortMs8seatylamenent.
00EllglMeNeBorrowhg Spons - A NeBamw)g Spouse M"MI A-8 by toIknomer
whommens,and-s="semes,as@aG4tagAmeanessagdmmeansed =1hythe
Seszatsymmthe wom4enowing Spause ams snds in ader to be eQghis br a DeAnal
Purled.
NeBanowingSpouse-ANeBarrowhu8)cusewhodnesmatamet
the
Amammaraphemenamm¾yesarmmythstemNam.Benew%g
nesomestness%InontertobeeggiMetrdieDeOsumLPmind.
16.Gsv"* Rsr Ameelaruthe at Dutt.
MDuammui7mputie-Death.
@ExceptssyruvidedimPangmphi0(stXiO,Leuirmeyreitubefannedistsimrzesothithilaf
mummeseedbysius"antyrasommemiranosomeralesmdeenspanyhmade
Pdmipan-a4-ermisastenemavivingBasser..
I.snder shall dsGr the due and payable regahement under Pimagraph IOM(Osbovengrasy
parbdaftimeCDesmmIPeriod")hiwhichaNeBonsehg5poussHamised1oPaupuph9
munessmantWMswo-amrowingspameaadmeninessinfessunwbmanditinum
me.andonedmatebe,mat:
a. anchEQgibleMan-BasemingSpeansWthospameofthstaminaiBanswer
fortadaradonefamABavowet%1ifhthmet
b. SushB%lble Non-BorrowkgSponnebasecoupled,andsumstanastococupfjne
Ampenyan[HhGisr]PdnelpalBesMence;
e. 8nshBQgibis NeBanam¾gspoumhasmingpismandDoreasr
areefus%gdristetam÷famepteparty:
d. Anciberanus"dammareasorrowermmeeNate,dmLannagemmentandeds
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14 of 50
FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
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FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023
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Preview
FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF CHEMUNG CARR1NGTON MORTGAGE SERVICES, LLC, CERTIFICATE OF MERTT Plaintig INDEX NO. vs. BRAD THOMAS, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANIEL F. THOMAS; MARK THOMAS, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DAN1EL F. THOMAS; HEIRS AND DISTRIBUTEES OF THE ESTATE OF DANTEL F. THOMAS; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; UNITED STATES OF AMERLCA, #1" #ll" "JOHN DOE through "JO@lN DOE the last twelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants. occupants. persons or corporations, if any, baving or claiming an interest in or lien upon the premises, described in the complaint, Defendant(s). l. I am an attorney duly ticensed to practice in the state of New York and am affiliated with the law firrn of Robertson, Anschutz, Schneid, Crane & Partners, PLLC, the attomeys for the above-named plaintiff. 2. Caryn Edwards, an Assistant Secretary of plaintiff or plaintiffs servicer, confirmed that she personally reviewed plaintiffs documents and records relating to this case for factual accuracy. 3. Based upon my review of the communication with plaintiffs representative, as well as upon rny own inspection of the docurnents and other diligent inquiry, I certify that to the best of my knowledge. information and belief, there exists a reasonable basis for 111IIll11111l1111111MII15 11HIIIIIIlMMERIll111NIl l|ll 1111E1111111BII|I 22-084444 - jg 1 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 the cornrnencement of a mortgage foreclosure action and that plaintiff or its norninec is entitled to enforce its rights under the loan documents in accordance with applicable law. 4. All of the relevant documenm all of which have been reviewed by me, are attached to this Certificate of Meril Dated: January 30, 202 Westbury, Ne York BY: _ [ ] S L B '1SKIN, ESQ. [X] ANTHONY CELLUCCL ESQ. [ ] ANNETTE SHACHTER, ESQ. [ ] LUCE PIERRE-RUSSON, ESQ. [ ] SCOTT R. WEISS, ESQ. 22-084444 - jg 2 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 Stade of NEW YORK ADJUSTABLE-RATE NOTE- can (Hosne Equity Convers - I - Deternber 18, 2M5 FHA Case No.. Loan No. MIN: I491 Maph Avenue, Etudra, New York 14904 (Property Address) L DEFINITIONS "Borrower" means eachgemon at the end of this Note. Šhe term does not include his ar her signing successors or asw ridrderiemenewed, waW whuge, --- = --- Index" "Current means the most recent index figme available thirty (30) daya before the Oumge Date. Sptsuse" *Eh-gible Non-Borrowina monas a Non-Borrowlig Spouse who meets, and amkimus in ment, the Qualifying Auributes requiremens established by the Secretary thua the Nom"Berrowing Spmse must satis f) in order to be eligible for ®Ierral of the duo and payable stems. "Index" mans the week ly average of interbank altred rates rer one month U-1 dollar-denominated deposits in London Maket ("LIBOR'), as puNi4ed in the WaH Stran Joamat rounded to three digins to the right of the decimal point. Speuse" "Ineligible Non-Borrowing mems aNea-Borrowing Spase who doesnot meet tta Qualifying Attributesrequirements established by the Secretary that the Non-Borrowmg Spouse must satisfy in order to be eligible for deferral of tlu due and payaNe status. "Ion&r" means Anacrican Advhorn Group and its successors awl assigns. Agmsuest" 'Loma means 6e Home Equity Omvesion Mortgage Adjustable Rate Loan Agreement dated December 18, 2015 by and between the Barrower and Lemier. Spouse" "Non-Berrowing means the spouse N/A, as deteremined by the laws of thestate in which the spouse N/A and Borrower N/A reside w the state of celebra6on of the Berrower N/A at the time of closing and who is rat a Barrower.. "Property" mesms Bonner's property identified in the Searity Instrument. Address" "Property means me address provided above. Attribittes" "Qualifying means those requhemena establWwd by the SecretartyEhat the Non-Barowing Spouse must senisfy in order go be eligible for deferral of the due and payable status- "Secretarym means the secretary at Housing and Urban Developnes a his ar her euthorized myesorgatives I I Pagef d6 HEDdFhdNob30L$ 3 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 ..... __ ._ NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 Instranent" "Security meam the mortgage, deed of trust, security deed or other searity instrasem whidi is signed by Borrows togedher with du loan Agmemet and which seraes the amoums advarmed under this Note. 1 BORROWER's PROMISE TO PAV; INTEREST In return fu amounm to be advanced by Leader to or fcr the benefit of Bormwer under the tenna of the Lean Agreenet, Rormwer pmmises to pay to the ader of Lender a principal amount equal to the sum of all Loan Advances made under the loan Agreement with interest. All amounts edvaned by Lader, plus interest, if not due carlier, am due and payable an December 16, 1102. Interest will be charged on unpaid principal at the rare of Three AND IEighty One Theasandth percent (1981%) per year until the full emount of priacÿpal has been paid. 7 he interest tate may change in accordance with Paragmph. 5 of this Note. Accrued increst shall be added go the Principal Balance as a Lean Advance at the end of each month. Barower's prom ise to pay is secured the Security Instnanent The Seemity InstrHnent potads dhe 4. MANNER OF PAY MENT (A) Tkme Borrower shall pay aE outstanding principal and acerned irderest to Lender upon remipt of a notim by Leader requiring immediate payment in-thII, as provided in Paragraph 7 of this Nota (B) Place Payment shall be made at American Advisors Cresp. 3800 W Chapman Ave, 3t11 Fleer, Orange, CA 92868 or at such other place as lander may designate in writing by notice to Barrower. (C) thattation of Liabsty Barrower shall have no personal liabilty fu payment of the del?L Leader shall enfome the debt asly through sale of the Property. If this Note m assigned to the Secretary. the Barower abs3] met be liable for any difference betwan the matgage insurana benefits paid to I.ender and the outstamling indettedness, mcluding accrued interest, owed by Borrower at the time of due assigmnent. 5 INTEREST RATE CHANGES (A) Change Date The interest rate may change on February 1, 201¬i and on the first day of each succeeding month. (B) The Index Beginning widh the Srst (3anga Date, the imerest ree will be based on the Index chosep by the Bormwer, as specified b this Nata 17 the ledox is no longer available, 14uder will use as a new Index any index maturibed by the Secretary. I.ander wiB give Bareww notice of the nowIndez. (C) Calealetica oIlaterest Ratc Cbnuges Before es± Change Date, Leader win calculats a new interest rate by adding a margie of Two AND Seven Usudred Fifty Thomandlh percentage points (1750%) to the cunent Index. Subject to the limit stated in Paragraph 5(D) atthis Note, this amount will be the new laterest rate until the next Change Date. . _____ . _,___ (18 L1naIt ea Intenst Rate Changes The intenst rate will never increase above Thirteen AND Eighty One Thousuadth percent (11881%¾ empus tacumnae au 4 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 (E) Nottee of Ouences Lander will give notice to Borrower of any change in the interest rate. The notice muse be given st least twenty five (25) days before the new interest rate laises effect, and must set forth (i) the date of tfe seeice, (10 the Change Date, (iii) the eld interest rant, (iv) the new intment rate, (v) he Cummt Index and the due it was published, (vR the method of calculating the adjusted interest rate, and (vli) any other information which may be requimd by law from time to time (10 Effective Date of Changes A mew interest rate calculated in accordance with Paragraphs 5{C) and 5(D) of this Note will become effedive on the Change Dale, unless the Gange Dwe occurs less thpa twenty five (25) days afkr Lands has given the requhed notice. Ef the interest ate calculated in accordans with Pamgmphs S(C) and 5(D) of this Note decreased.but Leader failed go give timely notin of the decrease and appUed a higher rate than the rare which shouhl have been stated in a timely stice, dan 12mhsr al iall i coalculate Elm Friumlpal 14ahznce owels under dus Wate m it ska put recteca. any excessive interest .. 6. BORROWER's RIGHT TO PREPAY A Borrower receiving monthly payments under the Loan Agreement has the tight to pay the debt evidenced by this Note, in whole or in part. without changs or perialty. Any anount of debt prepaid will first be applied to reduce the Principal Balance of the $econd Note described in Pamgmph 1I of this Note and then to teduce the Prirmipal Balance of thi Note. All prepayments of the Principal Balance shall be appEed by Leader as fbBows: first, to timL portice of the Principal Balance repmsenting aggregate paymenia for rartgage insunmos premiutns; Second. to that portim of the Principal BalanS represetting aggregate payments for servicing fees; Big[, to that portion of the Principal Balance representing accrued interest due nader the Note; and IWrth. to the remnaining portion of the Principal Balace A Bormwer may specify whether a pregwyment is to be credited to that portim of the Principal Balmme representing monthly payments or the line of BANELF "Maripena - MERS armms_ measman as susp-azn!En $4. 75 IORMIOMP a $14.35 M0ameneE 3500R2 $ ano-coumrr $1.co tes anconazno 895.00 saste nonsense sax $ n2sc 7zrJ50 a RActmtWING $5.00 ESCONDzNG SEEET $5.00 8PEC ADDrrZ0NAL NES ERE $ 20ERL PAID $125.00 estal $ e.co enannsrst sax Agg· *ERMFgg $ EmaMSFER TAE $ 0.00 BrATB0FNEWYORK GEMUNG COUNTY t'Ingmir TEB 5INEF CONStHUEEA1EECLEREENDnannMENT REQERED BY EECHON M6-A (5) WOR THE REAL PROPERFf IAW QF THE SFATE OF NEW YORIL DO NOT DETACH CATmtRIME E. |1imu s - COUNTY (1EREE '- AØnanksdoesnt sh"ps Apfeden@mdha peaursaf asamatemap any mestmlinkiaddrpqs. counun IMIBM 10 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 remed and:ctam to: Adelssts dimep 3000 An 3idPhor Otmust Thinistrummit pupped by: Asustlem Advisors Gang 3A00 W Qgeplann A% 3rd P1øur annse camass RENRIES recTianassemainc 1sco pinasmakle ass455 Resisel i. tomott0 pgman Above Tids Line FurBusoedhuDess MIN muosr^manArs HDMEEQUITY CONVEREONMORTGAGE THIB MORIGAOB ("8scmily Instrumenr) Is gham na Desensber Its 2BI5, The mortgagaris DANEL F T805548, whess midress is 1491 Maple Avenes, Ekshm, Near York 180s "Barnmer" ("Bunswer"). The tsun does met inshide ibe Bongesshsucceseces or aseRpm.ThinBsourty Instromanis sivenso Marapes sieueuman neggaurasium systems,Ims. whida is ("MERST agedzed mid axi thag smler the Izum of Deinrare, sad whens address is P.O. Box 2836,Bilat, bgy 4WD340M, Asimphone (BOS) 679-MEREi. Amerised Advisers Groupis argpmised mad eshqss under the Inns of Calihnda, and has an eddress of3890 W Ave, 3rd Fisor, comage, CA Bonewer lum greed to rupey b Lauleranouns which I.mader in oblissisd to advance,includhig fbture advam under the terms ofa Home lama Agrm==d Egdty Convasion dent the mme date as dds Scemity knmmsset ("Iman Agresmstr).The agreanum nprepsy is evidencedby Bommux's Aqustable.Raim Note dated Ano same date as this Security huInsment (*)Inte"). The martgagee of this Securtly Eastrument is MERS (solely as mondnee (br lander and Eender's soossusers sad assipm) and she "==="ss and andgamatMERS. This Security Instrument encizes to Lander: (a) she repugmust of aba debt evidenced by the Note, with inksest st s rate sutrject so m§nmknent ami all f mmmis, sptnmians und modIScasimm oftbo Ness. ep to aunmanmum primmipal anxmxt af one umumag puty one Š*ommand, she ummered poairs and zano cuser (UAsis3,50A00 ); (b)1he pgment of eH a er sum with intment, mitzwed unior pmagaph 5 to Instant the memrity of dds SeemiÆ kmtrames h erothewise due unfer an tems of dais Seasty hunnsnant and (c) the perhnnames of Barawth cope=* sad agnumens under Adm Samsty Immunant and ths Nee. Ibe f Widebt, "==M da=E=3 in (s), (b), ami (c) asmitnotda kmluding emEer, lu due ad payable en 26,NW . Fer tWspmpose, Benome·dueshmehy mudgsp, arsenadesmayee menswoomemandassigmetmEas,a-fbuswingdsamamd stepeny Inceled b CHEMUNG County.NEW YOitE: venru smeneshesemppasu 11 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 thstanddsearipdummmEnhink A atimshe4 harese sud made a part knest Ibr aEludsmanand Purposes widdahmstheaddamsof MitWapinavemogEinds,NewYoskidBM.("Asps Ad4meQ WOETMiRWIFHaAthefugmoveassesnevarbereathrerectedesthopropessy,andatessomsets, upperb r , and figtagg ggg gr hgggs||grapeutoftheproperly.ABapim"==meamd =shmitabobeamstedbyddsSeeminInstnamus.AEofthefengp¾ginalieredgmindhis summiiyIone-weathe-Propery name-er=*-m-Amidammesthstmentsboidea issuisine tmIbeharesisarmnedbyBenewerimtWassamay1sstammem,bet,Ifmsonssaryteconq#wtoniewer mulem,MERS(asmosminecibrLamistandiandstassumescrsandanshpis)hestherWit: toanseclue nayersilofthoseinimness,histudkgg,butmsthaludgthorighttalbseeineesademRthePtmperty;sed intakenryacehmsequiredeftandarInchmSng,butmotihmitedgr+"ehrandeuncellagthiefisumb Instrument. BCRROWERCOVENANIBehatBonomerisiswfb&ysehsdofdeestnebenbyanmmedandhmethe rigistematgage,ansteedmoverthshmpergmaddaminePtegeth-h=I Benever numentsandwiBestbedgenerutydnetidstotbePapwlyegahutaEchimaseddamunds,esidestle mysmemminenessermond. THIB5ECURrrY DISTRUMENTa""I4=«unighumessemmafermatinesiummemime-edfums amassiswithilmhniv"riminnabyjimindis8nanna=mamm"atmdamasangrilyknestsmentseverlag redpmperty. UNUMM COVENANI5. Bssromer mid Imader casement aml spee a fbUews LPspumumeIPrimsignism tatermLBennur imilpsywhenduetheprim4miafSE51,50(ul0,"od imamustmi,thedatemvidmisedbythe Note. LNamstofPrepartyClerge,Ba:owershanymystpagatydingsusemishlBdimepertytmmss, hazedhe===premimngAcad%m"=*1medumn,youndrams, wmambhum has, pha ed milt developmnsdfbas,hameowmx'am"=4minatess,nadagelbergeoisimthats besquimd by tossiersonsiewtostimelysmemur,mmishmilpmakleetidenseafpsymenteelamisr, unimIE 54Gder psysocusimpropatychargesaspsevidedfhrandfatacandumsewkhthelannagemanet 3,7¾Ptandead0disrHammediumramme,BongwershmHimammalthapsesunsemandu , edudulr"owinaria=armtheequemeyerected,agmhtmanyhnsards,eammaldes,and insimeng,butnate-innate.fue"adflood, forefachlanderequirest- suchimmummonsimm be="inMinadinthemmeists.andibrthe pezieds thmt huder repaires;Imxhrbasthedismethmem imarassmardessessetheamountermayinsumnoesequiredatanyakneprovidedthsammesfsequmitoer gmatorthamagmimiernmragtiredbythmSeendaryofHousfsigendUrbenDeveinpmat("Seameery"). Whagmarsalmederisqmemafloodimumanarequiremet,BoonweraMata=h4"iuntmureaM IImptonsnentsantheProperty,whedisrnswinedsmacecrmifmequentlymented,agufustlessbyllands endisementuaquiredbyeeBeneasy.IfdieLanderbmposesinamanesequiremena,alibunassembah beesnisawthoenipedesuppresedbyr.meds,andeshumnseepe6cInsmidanyrenewaisebonne hsM J.modmandsimRimmindsinsupsyaMeefamehtavuroCamifnsibramoseptablomfander. = Inthsevmsonous,sasswershmRdwelanderk"=Ra"mminebymmiLImdarmaymuhepruefef hessantandepresseybyBam-m·.5mshkmmsumme esmermed In humby andmrlsed and awaerm assessendameweens ....-- r -- -- - - . - " " " · ' 12 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 dirutuitom4epsymmm1,rmumbinestnLandarkseedermannowmamllenderlahilk.h- preemadedmRhepppRedmenolmedatmI9altofthedunagedPmpertifthsimmemannermpairis "===* myselMenedLamierssecalitylanotleenesoilf@ssentomlinnernpairianst ====*any mnslMoorram¾ueemrhywedibetessened,mai===ganesedmahanbampplied firstbatheredaflonefenylodatsedrasexualeraSecondNassandmawuisamrityloatanent(se densibedinBampaph15)hnkibythesemetaryoneePrepanymedemnedsorahmicooffles indshtednamanderthsNasandthissece¼ Imamanent Amy excessinsmunmepreenedsomeram assesrequiredippugnlicalsizeding W±A""muterthsNoteend6dsSeceityinatnamendebeR beputate me onetries"Ibammisd enes. 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Barewershdpig eseeiggs@onsenthnodirest¼tosessity wMdaisowedthopsynam.If&Hme topsy womidalversevenbetiander$tinarestimtheMmputy,uponLendeDsmpetBmemershdi Aznishiolandwnestpisevkhaniqdamspmymsms.Banomershdl1rampthdhabaguage whichhampdorhyoverthimSamt¼1nstrmantindiseminerpmvidmlinPwayaphi4(c). IfBarrowersestomskednmepopmenmarthopmpetycharganquiredbyPmpgraph2,er&Itsge pmannampothernovenamsaulayeememnandsh=dindnssensityInstrument,m-theseisalagal proceedingthatmsymigddcamt¼athsti.endersrIg)dminthsPropemy(suchasapamedhigin hankntptcy,2sr mwvhennadmartoenIbros htenorregahtions),thsafamisa'angdonedpaywinerver innesseumytopmseatthevalue of payment thpheputyamllendettr¼htalatePteputtydd"vNag efpropatytanas,hammifmemmiceandetherhumamendanadinhaguph2. Terratastlanda anemarkhsthenopsty,I.anderdinitedvanosanddumptoBosoursAamemes dustomesematayardmMonguakunrsmpPammiumma6andInd:eLeanAgeementameRs annumsdnesotheleauservicertbraervicinsandvitienand"EmdineeImanAgamamLAmymnsumm dishmsedhy tanderneserednemursimshanbeesmem-um-idstitofeemewerass-ovidedfor inentmenasmananandshaltheaemnedhysunseenwimansame. 6.InspeedeasLendererkmagestasymmerar,fnspectormaksqquebeinofdiePtepertyles main-sndatr""==MathamprovidedthmtlARdershaEgivetheBerrowernetIcepdorge mgh" oraigesiselageoltingapurpsestbrdishispedlonorgipraindshishmnat6etelaindto tomestinamptuouny.tfamenopartrfasecesa·mbandanadertheimmisfadshah,tander 13 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 ..e... .fm,m.4.r.e -erd,me,ns..me..m- neanensionwthey . oretherinkhgaragpatofthePteputy,erbrcopscymmeIn phmofa=ulam=shshenbopsidashafer/IbepressedsabagbosppGad9tstmthesudestlemer anw`¾-aderesecondwoemadenoundsenskhes-meatmemby thesensuryanas hopesy, und theatothendesdonefthsMdewa"vedertheNeemandedmSecurilyInnRumenLAq secempseseds mermamemerophediopealamm=the undertbeHolmandtMs SemnityhatnumentshmAbeisdatotheendlylegmAyemddedthensio. s.nes.Landermercanessmandamassamshortenderess"" any. 9.Nem-Berrowhgapomme. Beower,NIAbamariedfoNEAFNan.BenesingSpounc%whoisnata seemeraderestennsafes"Namf hanagememf ortMs8seatylamenent. 00EllglMeNeBorrowhg Spons - A NeBamw)g Spouse M"MI A-8 by toIknomer whommens,and-s="semes,as@aG4tagAmeanessagdmmeansed =1hythe Seszatsymmthe wom4enowing Spause ams snds in ader to be eQghis br a DeAnal Purled. NeBanowingSpouse-ANeBarrowhu8)cusewhodnesmatamet the Amammaraphemenamm¾yesarmmythstemNam.Benew%g nesomestness%InontertobeeggiMetrdieDeOsumLPmind. 16.Gsv"* Rsr Ameelaruthe at Dutt. MDuammui7mputie-Death. @ExceptssyruvidedimPangmphi0(stXiO,Leuirmeyreitubefannedistsimrzesothithilaf mummeseedbysius"antyrasommemiranosomeralesmdeenspanyhmade Pdmipan-a4-ermisastenemavivingBasser.. I.snder shall dsGr the due and payable regahement under Pimagraph IOM(Osbovengrasy parbdaftimeCDesmmIPeriod")hiwhichaNeBonsehg5poussHamised1oPaupuph9 munessmantWMswo-amrowingspameaadmeninessinfessunwbmanditinum me.andonedmatebe,mat: a. anchEQgibleMan-BasemingSpeansWthospameofthstaminaiBanswer fortadaradonefamABavowet%1ifhthmet b. SushB%lble Non-BorrowkgSponnebasecoupled,andsumstanastococupfjne Ampenyan[HhGisr]PdnelpalBesMence; e. 8nshBQgibis NeBanam¾gspoumhasmingpismandDoreasr areefus%gdristetam÷famepteparty: d. Anciberanus"dammareasorrowermmeeNate,dmLannagemmentandeds summityinsumeseendanesaheatimumst ma e. 1heNoesismotel4gibietobeemiledduesadpsyntastormerqther meson. Thissubpatagngh(ii)1sleeppEcablecranRandroidifmaERgBlaNat.8mroudag apnessinerbecounsenInsligiMsNeBusewhg many tEne. Rather.4nings deaxrearenodesemipurstisanmammektanof senatasardsmunisandh tMsPtnepmphonomatobeInst.sucitadmandshoulmunediatelyamepiunisheNesswfu heoeme f"==E"ur-dnamed peruble in anowdunes wthsbe geovInteen of Ruamuels 7 mewss imenanmepupses 14 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 (AX$oftbaNots. GODammadPagaMs-Suis.Imwbr apy sequhetamudhampeyinsethfhliefaRanus soured tythlaSnanigylmetransmifsRoraBenewethditah9e ha pstly(erhinerhartenessial intasastfnstuatowedsgdorgartefthshoparty)isaniderolberwinem""dhad madame er BommurretainstitletothePropatykniassimpiaormasinambausholdwideralesse4rantlass daun99yearswhimbinsummab4serahmsehavingaromeiningperiodofantlemutbun50yons bqandasdalsoftho100thbirthdayoftboysimasstBorrowarormosaisalifeestate{orretaining abamSofmitmtmestinatnetwfibauchanismestinthshapaty). AdefuralardmoundpsymNo seminsisastpecatedwbmatandermquimsimmediumµememisfhilundertWspungsph. (a)DuemadPayuhiswimSecstasyApprerst 4,mmigrater funmodinajinymentIntsK afanemmsseemedividasamilyimmament,uponsponmator seamary,ia (DPrepenyeensustabethePrhnipalRanidenceafsBonewartransmastherthmndenth nadtbonspertyfanetthsFdmelpelResidenmofstlematesnotherBommer,or (IDFaraperiodoflongerthmatwehe(12)-eivo=uWhs aBosowerikUnteesonyythe nepesty beasesearplysigniqumandlRnsusandthshopst$famotto hhelpmIRaidemae ofstleuteneodarBoaswer,or Ol0AnoldigadenefibeBoaowermalurdissemutylmammatisnatperG==dandsuch deiWhawh=hapmulanyceupsindragshedumierepplimaNshw. AdnGw#orduesdpayabiostammisneq==4Mdianalanderrainhest=amme paymentisfhilamimrthisPampaghtc(C). (s)iesesonadouran-a=estander.seremerston--Tu-madpoareastbalanderaman amenibusisseatisomian,tamenapeamertedbyeeLeader,ainduswinderthonepesty tenminstheBorrower'sPducipalP*"M==snd,ifapplicabia,dbePrincipain=Idaraefhiset herNon-Borrowingspouse. WherenBorrowerhanidentifiedaNondlorrowfugspouseki Peugpapb9sadthefdentMindNon-BenseingspousequalitiesasanEligibioNem-Bomurbs Spouse,thoBaroamrshmilainommyedmandpovidstothel.amlerennessnesibusinani)gBIs NeBanoeing catificathshatumpresortedbytheI.ander,ourtifyingtistall requhamenstr applission of eDelhmlPariodeontinuetompplyand-wh=vembu mst. Durkga DarmralPalod,thessmalPrincipalmada=e"outianationansteadf==tobo rangdawinndpmvidedtothsimederbyshePEgibioNeBarrowingspane. ŠheBenewer diallalannati$I.4adurwhemagermayofemenstatistadinPangapht0(b)and(a aneur. (s)NammatonscretarysmdBoeruman.Imedarshallned$disSametanadBanumeruhammer theinankmawna"dueandpgablemuhrPangpaphlS(b)and(c).Landerstannethave aright toan=="raalbreolemenuarBBonewerbambedthty(35)dapeaGurnoGustosilhar: 0)Conastenantlerwhichreambodinthesearay1"mran=*anshigdmeandgugmbinger (iO ng ths1=h==ha rdier (IlDSeRthenopertyfurthstamardtleetminnesorainenMhspuesst(959Qofths sppmisahatmosedupplythenetymmedearthssuistamedthebahmae;or gr)Rovidatholanderw2hadmed-In-HenofAucionse. (0 MedianagSeassaryandEIIbmisNeo-Bastewkntisema.tandershmanati%IbeSemenmy ImpserM sucusnannnusumanus 15 of 50 FILED: CHEMUNG COUNTY CLERK 02/07/2023 04:01 PM INDEX NO. 2023-5085 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 02/07/2023 undeqEQgiM"Non-Bommhg%iemewbeneveremyeventEnadimPtsqppht0(b)amd(s) seamammhignDa&amthdot (øTruels.CaveymoodaSmrose sintmeetinthePtoperly toatunwhishmaststha sequirememsofthesemeany,a comeymmeersemesinementakenettapanymasanomer, shsignatheeansWesedaeonganosarpzposesoftbisPWmpaghl0.Anastutalinstbe ennskhsedanoesigniverbea== "vanshavingaPrimmipst Raideme heImrposes efthfs ParqpphtD. g0MordpgsNetimumrad.Banowuragosathatshould1MsSeambyhab="*andmoNoteam beequiNe fbr kmamme under the Nehl Housing Am whWa eW2 memhn Amn the deam hereof.Lessm·nmy,stasepdon,mquisehamesmopaymat-in-hRafalIsansseasedby@in seamay Insmement Awrimen=ofany maharbedagentofths5mmutarydated "8-p==teaWm(E)mmwhatemthedatehmeof;ducEningshumathissacurkyinnnument andtheNotm,shaHbedeemsdeennianhapmofefatshimaligINBy.Notwkistan ng@e fbungoing,ddsepdenmaymathmannefaedbylmdarwhadmunavaRabHityofinsumnesis seisvaaster--t--reihs m an a mangmge kmummoe prunism to theSeemany. 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