Preview
Filing # 174951429 E-Filed 06/08/2023 09:25:36 PM
MATRIX FINANCIAL SERVICES IN THE CIRCUIT COURT OF THE
CORPORATION SIXTH JUDICIAL CIRCUIT, INAND FOR
PLAINTIFF, PASCO COUNTY, FLORIDA
VS. CIVIL DIVISION
NATALIE M. FELIA, CHRISTOPHER D. CASE NO.:
WILSON, HUNTER’S RIDGE
HOMEOWNER'S ASSOCIATION, INC.,
AND UNKNOWN TENANT IN
POSSESSION OF THE SUBJECT
PROPERTY,
DEFENDANTS.
NOTICE OF FILING
PLEASE TAKE NOTICE that the Plaintiff, MATRIX FINANCIAL SERVICES
CORPORATION, has filed herewith:
e CERTIFICATION OF ORIGINAL NOTE
Miller, George & Suggs, PLLC
210 N. University Drive, Suite 900
Coral Springs, FL 33071
Telephone: 786-268-9954
DESIGNATED PRIMARY EMAIL FOR
SERVICE PURSUANT TO FLA. R. JUD.
ADMIN 2.516:
ESERVICE@MGS-LEGAL.COM
by,Aamir[eTSiacyRobins, Esa for]
Saeed, Esq.
Bar No. 102826
Electronically Filed Pasco Case # 2023CA003662CAAX
WS 06/08/2023 09:25:36 PM
CERTIFICATION OF POSSESSION OF ORIGINAL NOTE
The undersigned hereby certifies:
1 That plaintiff is in possession of the original promissory note, through its counsel, upon which this action is
brought,
The original promissory note was executed by CHRISTOPHER D WILSON AND NATALIE M FELIA
payable to UNITED WHOLESALE MORTGAGE .
The location of the original promissory note is 2200 W Blvd, Suite 1 uderdale, F!
33309.
The name and title of the person giving the certification is Stanley Beauvais, FL — Administrative Assistant at
Miller, George & Suggs, PLLC. attorneys for the Plaintiff.
The name of the person who personally verified such possession is Stanley Beauvais.
The time and date on which possession was verified were April 27™ , 2023 11:21 A.M.
Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or assignments of the note)
are attached to this certification.
I give this statement based on my personal knowledge.
Under penalties of perjury, I declare that I have read the foregoing Certification of Possession of Original Note and that
the facts stated in it are true.
Executed on al 270 Zz J
YhAo
Stanley Beauvais
23FL404-0021
a a
NOTE
JULY 13, 2020 Palm Harbor FLORIDA
[Date] [City] [State]
5447 EL CERRO DR, NEW PORT RICHEY, FLORIDA 34655
[Property Address]
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U.S. $275,500.00 (this amount is
called "Principal"), plus interest, to the order of the Lender. The Lender is UNITED WHOLESALE
MORTGAGE
I will make all payments under this Note in the form of cash, check or money order.
T understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and
who is entitled to receive payments under this Note is called the "Note Holder.”
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest
at a yearly rate of 2.999 %.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in
Section 6(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
1 will pay principal and interest by making a payment every month.
I will make my monthly payment on the 1st day of each month beginning on SEPTEMBER 1 ,
2020 . [will make these payments every month until ] have paid all of the principal and interest and any other
charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled
due date and will be applied to interest before Principal. If, on AUGUST 1, 2050 , I still owe
amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date."
I will make my monthly payments at PO Box 11733, Newark, New Jersey 07101
or at a different place if required by the Note Holder.
(B) Amount of Monthly Payments
My monthly payment will be in the amount of U.S. $ 1,161.38
4 BORROWER'S RIGHT TO PREPAY
T have the right to make payments of Principal at any time before they are due. A payment of Principal only
is known as a "Prepayment." When I make a Prepayment, |will tell the Note Holder in writing that I am doing so.
I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder
will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder
may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my
Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in
the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes.
FLORIDA FIXED RATE NOTE-Si le Famil DocMagic eForms
Fannie Mae/Freddie Mac UNIFOR' INSTRUMENT www.docmagic.com
Form 3210 Page 1 of 3
DR eA
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;
and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note
Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment
to me. Ifa refund reduces Principal, the reduction will be treated as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of 15
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be
5.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only
once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue
amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has
not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which
the notice is mailed to me or delivered by other means.
(D) No Waiver By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as
described above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have
the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by
applicable law. Those expenses include, for example, reasonable attorneys’ fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be
given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address
if I give the Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing
it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am
given a notice of that different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises
made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or
endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including
the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in
this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of
us together. This means that any one of us may be required to pay all of the amounts owed under this Note.
9. WAIVERS
land any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means
the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
FLORIDA FIXED RATE NOTE-Sii le Famil Dejoc Magic eForms
Fannie Mae/Freddie Mac UNIFORI INSTRUMENT www. c.com
Form 3210 1/01 Page 2 of 3
DRE
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions In addition to the protections
given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument")
dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep
the promises which | make in this Note That Security Instrument describes how and under what conditions | may
be required to make immediate payment in full of all amounts | owe under this Note Some of those conditions are
described as follows
ifall or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Tnstrument However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower
41. DOCUMENTARY TAX
The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
_O.
os
}i
)
4 _
a (Seal) x (Seal)
CHRISTOPHER D WILSON -Borrower LIE M FELIA ~Borrower
Loan Originator: Sandra Ruth Lindsey, NMLSR ID 312690
Loan Originator Organization: ACM Funding Group Inc., NMLSR 1D 312665
Loan Originator Organization: UNITED WHOLESALE MORTGAGE, NMLSR ID 3038
{Sign Original Only}
FLORIDA FIXED RATE NOTE-Single Family Doelitagic eForms
Fannie Mae/Freddie Mac UNIFORM INSTRUMENT www.docmagic.com
Form 3210 1/1 Page 3 of 3
Ra AL |
4
PAY TO THE ORDER OF
WITHOUT REC
UNITED WHOLESALE MORTGAGE
Sa
MARIA SUBASHI, AVP GFERATIONS
Preview
Filing # 174951429 E-Filed 06/08/2023 09:25:36 PM MATRIX FINANCIAL SERVICES IN THE CIRCUIT COURT OF THE CORPORATION SIXTH JUDICIAL CIRCUIT, INAND FOR PLAINTIFF, PASCO COUNTY, FLORIDA VS. CIVIL DIVISION NATALIE M. FELIA, CHRISTOPHER D. CASE NO.: WILSON, HUNTER’S RIDGE HOMEOWNER'S ASSOCIATION, INC., AND UNKNOWN TENANT IN POSSESSION OF THE SUBJECT PROPERTY, DEFENDANTS. NOTICE OF FILING PLEASE TAKE NOTICE that the Plaintiff, MATRIX FINANCIAL SERVICES CORPORATION, has filed herewith: e CERTIFICATION OF ORIGINAL NOTE Miller, George & Suggs, PLLC 210 N. University Drive, Suite 900 Coral Springs, FL 33071 Telephone: 786-268-9954 DESIGNATED PRIMARY EMAIL FOR SERVICE PURSUANT TO FLA. R. JUD. ADMIN 2.516: ESERVICE@MGS-LEGAL.COM by,Aamir[eTSiacyRobins, Esa for] Saeed, Esq. Bar No. 102826 Electronically Filed Pasco Case # 2023CA003662CAAX WS 06/08/2023 09:25:36 PM CERTIFICATION OF POSSESSION OF ORIGINAL NOTE The undersigned hereby certifies: 1 That plaintiff is in possession of the original promissory note, through its counsel, upon which this action is brought, The original promissory note was executed by CHRISTOPHER D WILSON AND NATALIE M FELIA payable to UNITED WHOLESALE MORTGAGE . The location of the original promissory note is 2200 W Blvd, Suite 1 uderdale, F! 33309. The name and title of the person giving the certification is Stanley Beauvais, FL — Administrative Assistant at Miller, George & Suggs, PLLC. attorneys for the Plaintiff. The name of the person who personally verified such possession is Stanley Beauvais. The time and date on which possession was verified were April 27™ , 2023 11:21 A.M. Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or assignments of the note) are attached to this certification. I give this statement based on my personal knowledge. Under penalties of perjury, I declare that I have read the foregoing Certification of Possession of Original Note and that the facts stated in it are true. Executed on al 270 Zz J YhAo Stanley Beauvais 23FL404-0021 a a NOTE JULY 13, 2020 Palm Harbor FLORIDA [Date] [City] [State] 5447 EL CERRO DR, NEW PORT RICHEY, FLORIDA 34655 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $275,500.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is UNITED WHOLESALE MORTGAGE I will make all payments under this Note in the form of cash, check or money order. T understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder.” 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 2.999 %. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments 1 will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on SEPTEMBER 1 , 2020 . [will make these payments every month until ] have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on AUGUST 1, 2050 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at PO Box 11733, Newark, New Jersey 07101 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 1,161.38 4 BORROWER'S RIGHT TO PREPAY T have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, |will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. FLORIDA FIXED RATE NOTE-Si le Famil DocMagic eForms Fannie Mae/Freddie Mac UNIFOR' INSTRUMENT www.docmagic.com Form 3210 Page 1 of 3 DR eA 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. Ifa refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS land any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. FLORIDA FIXED RATE NOTE-Sii le Famil Dejoc Magic eForms Fannie Mae/Freddie Mac UNIFORI INSTRUMENT www. c.com Form 3210 1/01 Page 2 of 3 DRE 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which | make in this Note That Security Instrument describes how and under what conditions | may be required to make immediate payment in full of all amounts | owe under this Note Some of those conditions are described as follows ifall or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Tnstrument However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower 41. DOCUMENTARY TAX The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. _O. os }i ) 4 _ a (Seal) x (Seal) CHRISTOPHER D WILSON -Borrower LIE M FELIA ~Borrower Loan Originator: Sandra Ruth Lindsey, NMLSR ID 312690 Loan Originator Organization: ACM Funding Group Inc., NMLSR 1D 312665 Loan Originator Organization: UNITED WHOLESALE MORTGAGE, NMLSR ID 3038 {Sign Original Only} FLORIDA FIXED RATE NOTE-Single Family Doelitagic eForms Fannie Mae/Freddie Mac UNIFORM INSTRUMENT www.docmagic.com Form 3210 1/1 Page 3 of 3 Ra AL | 4 PAY TO THE ORDER OF WITHOUT REC UNITED WHOLESALE MORTGAGE Sa MARIA SUBASHI, AVP GFERATIONS