Complaint,Petition: NEWREZ LLC vs. ROSANNE M HEDRICK

On October 11, 2023 a Complaint,Petition was filed involving a dispute between and for Civil: Real Property - Mortgage Foreclosure: Residential in the District Court of York County.

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Supreme C ourt 3. Pennsylvania York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788
Court CoimmonPleas For Prothonotary Use Only:
il Cove
Docket No:
~

a
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service of pleadings or other papers as required by law or rules of court.
Commencement of Action:
Complaint 1 writ of Summons D1 Petition
1 Transfer from Another Jurisdiction 1 Declaration of Taking
Lead Plaintiff's Name: Lead Defendant’s Name:
NEWREZ, LLC DBA SHELLPOINT MORTGAGE SERVICING ROSANNE M. HEDRICK
Dollar Amount Requested: within arbitration limits
Are money damages requested? [] Yes —] No (check one) outside arbitration limits

Is this a Class Action Suit? OYes E] No Is this an MDJ Appeal? (0 Yes E] No

Name of Plaintiff/Appellant’s Attorney: Robert W. Williams, Esquire
O Cheek here if you have no attorney (are a Self-Represented [Pro Se] Litigant)

TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS
1 Intentional D1 Buyer Plaintiff Administrative Agencies
LO Malicious Prosecution 1 Debt Collection: Credit Card LD Board of Assessment
1 Motor Vehicle 1 Debt Collection: Other 1 Board of Elections
(1 Nuisance 1 Dept. of Transportation
1 Premises Liability (1 Statutory Appeal: Other
1 Product Liability (does not include
mass tort) 1 Employment Dispute:
1 Slander/Libel/ Defamation Discrimination
OD Other: 1 Employment Dispute: Other i Zoning Board
D1 Other:

DD Other:
MASS TORT
DD Asbestos
1 Tobacco
LD Toxic Tort - DES
1 Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
1 Toxic Waste
D1 Ejectment © Common Law/Statutory Arbitration
LD Other:
(1 Eminent Domain/Condemnation 1 Declaratory Judgment
Ground Rent 1 Mandamus
D1 Landlord/Tenant Dispute 1 Non-Domestic Relations
EK] Mortgage Foreclosure: Residential Restraining Order
PROFESSIONAL LIABLITY DO Mortgage Foreclosure: Commercial Quo Warranto
1 Dental 1 Partition Replevin
DO Legal D1 Quiet Title 0 other:
0 Medical (0 Other:
1) Other Professional:

Updated 1/1/2011
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

HLADIK, ONORATO & FEDERMAN, LLP Attorneys for Plaintiff
File No. 23-02101
David C. Onorato, Esq., ID No. 41217
Thomas M. Federman, Esq., ID No. 64068
Stephen M. Hladik, Esq., ID No. 66287
Antonio G. Bonanni, Esq., ID No. 322940
Sarah K. McCaffery, Esq., ID No. 311728
Robert W. Williams, Esq., ID No. 315501
Thomas C. Dyer, Esq., ID No. 331768
298 Wissahickon Avenue
North Wales, PA 19454
(215) 855-9521
NEWREZ LLC D/B/A SHELLPOINT COURT OF COMMON PLEAS
MORTGAGE SERVICING YORK COUNTY, PA
75 BEATTIE PLACE, SUITE 300
GREENVILLE, SC 29601, DOCKET NO:
Plaintiff,
Vv. CIVIL ACTION
MORTGAGE FORECLOSURE
ROSANNE M. HEDRICK
3318 GLEN HOLLOW DRIVE
DOVER, PA 17315,
Defendant.

COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

NOTICE

YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE
CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN
TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY
ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING
IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS
SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE
CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST
YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN
THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE
PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT
TO YOU.

YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.

IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.

York County Lawyer Referral Service
York County Bar Association
137 E. Market Street
York, PA 17401
(717) 854-8755

THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU
HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS
DEBT WAS NOT REAFFIRMED, THIS CORRESPONDENCE IS NOT AND
SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,
BUT ONLY ENFORCEMENT OF A LIEN AGAINST REAL ESTATE.
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

AVISO

USTED HA SIDO DEMANDADO ANTE EL TRIBUNAL. SI DESEA DEFENDERSE
CONTRA LAS RECLAMACIONES ESTABLECIDAS EN LAS SIGUIENTES PAGINAS,
DEBE TOMAR MEDIDAS DENTRO DE LOS VEINTE (20) DIAS DESPUES DE QUE SE
HAYA SERVIDO ESTA QUEJA Y NOTIFICACION, INTRODUCIENDO UNA APARIENCIA
ESCRITA PERSONALMENTE O POR EL ABOGADO Y PRESENTANDO POR ESCRITO
ANTE EL TRIBUNAL SU DEFENSAS U OBJECIONES A LAS RECLAMACIONES
ESTABLECIDAS EN SU CONTRA. SE LE ADVIERTE QUE SI NO LO HACE EL CASO
PUEDE PROCEDER SIN USTED Y UN FALLO PUEDE SER INTRODUCIDO EN SU
CONTRA POR EL TRIBUNAL SIN PREVIO AVISO POR CUALQUIER DINERO
RECLAMADO EN LA QUEJA O POR CUALQUIER OTRO RECLAMO O ALIVIO
SOLICITADO POR EL DEMANDANTE. USTED PUEDE PERDER DINERO O PROPIEDAD
U OTROS DERECHOS IMPORTANTES PARA USTED.

DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO DE INMEDIATO. SI NO
TIENE UN ABOGADO, VAYA AL TELEFONO DE LA OFICINA QUE SE INDICA A
CONTINUACION. ESTA OFICINA PUEDE PROPORCIONARLE INFORMACION SOBRE
COMO CONTRATAR A UN ABOGADO

SI USTED NO PUEDE PERMITIRSE EL LUJO DE CONTRATAR A UN ABOGADO,
ESTA OFICINA PUEDE SER CAPAZ DE PROVEERLE INFORMACION SOBRE AGENCIAS
QUE PUEDEN OFRECER SERVICIOS LEGALES A PERSONAS ELEGIBLES A UN COSTO
REDUCIDO O SIN COSTO.
York County Lawyer Referral Service
York County Bar Association
137 E. Market Street
York, PA 17401
(717) 854-8755

ESTA FIRMA ES UN COBRADOR DE DEUDAS QUE INTENTA COBRAR UNA
DEUDA. CUALQUIER INFORMACION OBTENIDA SERA UTILIZADA PARA
ESE PROPOSITO. SI USTED HA RECIBIDO PREVIAMENTE UNA DESCARGA
EN BANCARROTA Y ESTA DEUDA NO FUE REAFIRMADA, ESTA
CORRESPONDENCIA NO ES Y NO DEBE INTERPRETARSE COMO UN
INTENTO DE COBRAR UNA DEUDA, SINO SOLO LA APLICACION DE UN
DERECHO DE RETENCION CONTRA BIENES RAICES.
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

HLADIK, ONORATO & FEDERMAN, LLP Attorney for Plaintiff
David C. Onorato, Esq., ID No. 41217 File No. 23-02101

Thomas M. Federman, Esq., ID No. 64068
Stephen M. Hladik, Esq., ID No. 66287
Antonio G. Bonanni, Esq., ID No. 322940
Sarah K. McCaffery, Esq., ID No. 311728
Robert W. Williams, Esq., ID No. 315501
Thomas C. Dyer, Esq., ID No. 331768
298 Wissahickon Avenue
North Wales, PA 19454
(215) 855-9521
NEWREZ LLC D/B/A SHELLPOINT COURT OF COMMON PLEAS
MORTGAGE SERVICING, YORK COUNTY, PA
Plaintiff,
DOCKET NO:
V.
CIVIL ACTION
ROSANNE M. HEDRICK, MORTGAGE FORECLOSURE
Defendant.

COMPLAINT IN MORTGAGE FORECLOSURE

The Plaintiff is NewRez LLC d/b/a Shellpoint Mortgage Servicing, with an address of 75

Beattie Place, Suite 300, Greenville, SC 29601.

The name(s) and last known address of the Defendant(s) is:

Rosanne M. Hedrick
3318 Glen Hollow Drive
Dover, PA 17315
This Defendant is a mortgagor and real owner of the Mortgaged Premises hereinafter
described.

On or about September 23, 1998, in consideration of a loan in the principal amount of

$93,750.00, Paul W. Hedrick and Rosanne M. Hedrick executed and delivered to Veterans

Home Mortgage, Inc. a note (the “Note”). The Note is attached hereto as Exhibit “A” and

made a part hereof.

To secure the obligations under the Note, Paul W. Hedrick and Rosanne M. Hedrick

executed and delivered to Veterans Home Mortgage, Inc. a mortgage (the “Mortgage”)
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

dated September 23, 1998, recorded October 5, 1998, in the Office of the Recorder of York

County in Book 1339, Page 3112 as Instrument No. 1998070720. The Mortgage is a matter

of public record and incorporated herein by reference as provided by Pa. R.C.P. No.

1019(g), which relieves the Plaintiff of its obligation to attach documents to pleadings if

those documents are of public record.

The Mortgage secures the following real property (the “Mortgaged Premises”): 3318 Glen

Hollow Drive, Dover, PA 17315. A legal description of the Mortgaged Premises is attached

hereto as Exhibit “B” and made a part hereof.

The loan was subsequently modified pursuant to a Loan Modification Agreement, which

is attached hereto as Exhibit “C.”

The Plaintiff, directly or through an agent, has possession of the Note, which is either made

payable to the Plaintiff or has been duly endorsed. Therefore, the Plaintiff has the right to

enforce the Note.

The Plaintiff is the proper party by way of an Assignment of Mortgage recorded on January

5, 2023, in Book 2764, Page 3879 as Instrument No. 2023000568. The Assignment is a

matter of public record and incorporated herein by reference as provided by Pa. R.C.P. No.

1019(g), which relieves the Plaintiff of its obligation to attach documents to pleadings if

those documents are of public record.

Rosanne M. Hedrick and Paul W. Hedrick are the record and real owner(s) of the

Mortgaged Premises.

10. Paul W. Hedrick departed this life on October 19, 2022, thereby vesting title to Rosanne

M. Hedrick by operation of law.
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

1 Plaintiff hereby releases Paul W. Hedrick from liability for the debt secured by the

mortgage.

12. The Note and the Mortgage are in default because the monthly payments due May 1, 2023,

and thereafter have not been paid. As a result, the entire principal balance, and all interest

due thereon have become due and payable with late charges, escrow deficit, and all costs

of collection including title search fees and reasonable attorney's fees.

13 As of October 7, 2023, the following amounts are due on the Mortgage and Note:

Unpaid Principal Balance $55,471.88
Interest (Good through October 7, 2023) $1,169.78
Escrow Advance/Deficit $667.08
Property Inspection $100.00
Recoverable Corporate Advances $75.00
Grand Total $57,483.74

The current interest rate is 4.125%. Per diem interest in the amount of $6.12 will accrue

on the principal unless there is an interest rate change as set forth in the Note.

14. Notice of Intention to Foreclose pursuant to Act 6 of 1974, Notice of Homeowner’s

Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, and/or Notice of

Default as required by the terms of the Mortgage, as applicable, have been sent to the

Defendant. Copies of the Notices, redacted to remove confidential account information,

are attached hereto as Exhibit “D.”

Based on the foregoing, NewRez LLC d/b/a Shellpoint Mortgage Servicing has the right

to foreclose.
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

WHEREFORE, the Plaintiff requests judgment against the Defendant in the sum of

$57,483.74, together with interest, costs (including additional escrow advances), and additional

attorney's fees and costs, and for foreclosure sale of the Mortgaged Premises.

Respectfully submitted,
HLADIK, ONORATO & FEDERMAN, LLP

ln
October 11, 2023
Date:

__ David C. Onorato, Esq., ID No. 41217
__ Thomas M. Federman, Esq., ID No. 64068
__ Stephen M. Hladik, Esq., ID No. 66287
__ Sarah K. McCaffery, Esq., ID No. 311728
Robert W. Williams, Esq., ID No. 315501
___ Antonio G. Bonanni, Esq., ID No. 322940
__ Thomas C. Dyer, Esq., ID No. 331768
Attorney for Plaintiff
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

VERIFICATION

Mariah Royce Document Verification Specialist
I , hereby state that Iam a f
NewRez LLC d/b/a Shellpoint Mortgage Servicing, the Plaintiff in this matter. I am authorized to
make this verification and verify that the factual statements made in the foregoing Civil Action in
Mortgage Foreclosure are true and correct to my information and belief. I understand that this
statement is made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to
authorities.

NewRez LLC d/b/a Shellpoint Mortgage Servicing

By: / A wh
ex

Name: Mariah Royce

Title: Document Verification Specialist

NewRez LLC d/b/a Shellpoint Mortgage
Company: : Servicing

Date [OL [222
File No: 23-02101
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

IN THE IN COURT OF COMMON PLEAS
YORK COUNTY, PENNSYLVANIA.

NEWREZ LLC D/B/A SHELLPOINT CASE NO.
MORTGAGE SERVICING,
Plaintiff
v.

ROSANNE M. HEDRICK,
Defendant.

CERTIFICATE OF COMPLIANCE

I certify that this filing complies with provisions of the Public Access Policy of the Unified

Judicial Systems of Pennsylvania: Case Records of the Appellate and Trial Courts that require

filing confidential information and documents differently than non-confidential information and

documents.

Respectfully submitted,
HLADIK, ONORATO & FEDERMAN, LLP

Date:
October 11, 2023
\\—
__ David C. Onorato, Esq., ID No. 41217
__ Thomas M. Federman, Esq., ID No. 64068
~ Stephen M. Hladik, Esq., ID No. 66287
Sarah K. McCaffery, Esq., ID No. 311728
Robert W. Williams, Esq., ID No. 315501
__ Antonio G. Bonanni, Esq., ID No. 322940
__ Thomas C. Dyer, Esq., ID No. 331768
Attorney for Plaintiff
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

EXHIBIT “A”
York County Prothonot i 02:07:00 PM
NOT ase Number: 2023-S

i ERANS OTRAS
NOTICE; THIS LOAN IS AGOTTNA A
NOT ZEIT 7 x,
OE VE
- APPROVAL O THE DEPARTMENT O E -
OR ITS AUTHORIZED AGENT.
SEPTEMBER 23, 1998 TOWSON MARYLAND
ici) {Stace}
-
3318 GLEN HOLLOW DRIVE Dt PENNSYLVANIA 17315
[Propeny Address]
1. BORROWER’S PROMISE TO PAY
In retum for a loan that I have received, { promise to pay U.S. § 93,750.00 (this amount is called
“principal*), plus interest, to the order of the Lender. The Lender is
VETERANS HOME MORTGAGE, INc.,
A MARYLAND CORPORATION . Tunderstand
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 7.5) %
The interest rate required by this Section 2 isthe 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
I will pay principal and interest by making payments every month.
Iwill make my monthly payments on the ist day of each month beginning on NOVEMBER
iss - Lwill make these payments every month until I have paid all of the principal and interest and any other charges
described below that I may owe under this Nore. My monthly payments will be applied to interest before principal. If, on
OCTOBER 1, 2028 I still owe amounts under this Note, ] will pay those amounts in full on that date,
which is called the "Maturity Date.*
Iwill make my monthly payments a 828 DULANEY VALLEY ROAD, SULTE 8
TOWSON, MARYLAND 21204 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. $ 655.51
4. BORROWER’S RIGHT TO PREPAY
Thave 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, J will tell the Note Holder in writing that I am doing so.
Imay make a full prepayment or partial prepayments without paying any prepayment charge. The Note Holder will use all
of my prepayments to reduce the amount of principal that l owe under this Note, If { make a partial prepayment, there will
no changes in the due date or in the amoun: of my monthly payment waless the Note Holder agrees in writing to those changes.be
5. LOAN CHARGES
if a law, which applies to this loan and which scts 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: (i) any such loan
charge shall be reduced by the amount necessary to reduce the charge to the permitted Jimit; and (i) 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. If a 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 Payntents
If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after
the date ic is due, U will pay a fate charge to the Note Holder, The amount of the charge will be 4.000 % of
my overdue payment. 1 will pay this late charge promptly but only once on each late payment
(B) Default
If 1 do not pay the full amount of each monthly payment on the date it is due, I will be in default, EMC
MULTISTATE FIXED RATE NOTE - Single Family - Fannle Mae/Freddie Mac Uniform Instrument IMAGED
Form 3200 12/83 LOAN No,
eB, “BV 18208) Amended 4/92
‘Vin MORTGAGE FOREAS -/212)299-8100- 18 729)
Peper ofz Ani le om ah
ew FE§
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788
(C} Notice of Default
if Lam in default, the Note Holder may send mea written notice telling me that if I do not pay the overdue amount by
certain date, the Note Holder may require me to pay immedi: ately the full amount of principal which has not been paid and alla
the interest that I owe on that amount. That dale must be at least 30 days after the date on which the notice is delivered or
‘tailed to me.
(D) No Waiver By Note Holder
Even if, ata time when I am in default, the Note Holder does not require me to
above, the Note Holder will still have the right to do so if 1am in default at a later time. ay immediately in full as described
:) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately
be paid back by me for all of iis costs and expenses in enforci ining full as described above, the Note Holder will have the right 10
this Note to the extent not probibited by applicable law. Those
expenses include, for example, reasonable attorneys’ fees.
7. GIVING OF NOTICES
Unless applicable Taw requires a different method, any notice that must be given to me under this Note wil] 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 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 am given a notice of that different address.
8, OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note,
this Note, including the promise to pay the full each person is fully and personally obligated to keep ail of the promises made in
amount owed. Any person who is a guarantor, surety or endorser of this
also obligated to do these thin; gs. Any person who takes over these obligations, including the obligations of a guarantor, Note is
surety
or endorser o: f this Note, is also obligat ted to keep all of the promises made in this Nove. The Note Holder may enfo ree
rights under this Note against each pei rson individu; ally or against all of us together. This means that any one of us may itsbe
required to pay all of the amounts owed under this N lote.
9. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment
"Pre resentment” means the right to require the Note Holder to demand payment of amounts due. "Notice and notice of dishonor,
of dishonor" means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
10. ALLONGE TO THIS NOTE
If an allonge providing for payment adjustments or for any other supplemental ini formation is executed by the Borrower
together with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of ~
this Note as if the allonge were a part of this Note. {Check applicable box]
(Graduated Payment Allonge (7) other [specity} (J onher {Specify
11, UNIFORM SECURED NOTE
Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (th i tions. In addition to the protections given to the
This Note is a uniform instrument with limited variations in some jurisdict
“Security Instrument”, dated the same date as
this Note, protects the Note Holder from possible I losses which might result if I do not keep the promises which I make in this
Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full
of all amounts I owe under this Note. Some of those conditions are described as follows:
Regulations (38 C.F.R. Part 36) issued under the Department of Veteran’s Affairs ("V.A. *) Guaranteed Loan
Authority 38 U. Chapter 37) and in effect on the
liabilities of the part fo this Joan and any Provisions ofdatethis ofNote
loan closing shall govern the tights, duties and
which are inconsistent with such regulations
are hereby amended and supplemented to con form thereto.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.

Porc? to fhedbed (Seal)! 22 Kechitck (Seal)

i
PAUL_W. HEDRICK Borrower ROS. ‘Borrower
SSN: SSN;

(Seal) (Seal)
‘Borrower Borrower
SSN: SN:
{Sign Original Only}

LOAN NO.
QD, 3V 200 Poge 2 of 2 Farm 3200 12/83
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
SEP, -25° 98(WED] 09:44 VETERANS HOME MTG. Case Npgpbero 269332985-002788 P. 002

te the Order of:
Federal Savings Bank of lis
‘Withodt Recourse.

By:
Veterans Home fe, Inc.

Levy
Philip Ta; terri
Vice Pry

PAY TO THE ORDER OF:

WITHOUT RECOURSE
UNION FEDERAL SAVINGS BANK OF 1 KANAPOLIS,
BY:.
I&ce Blue Bavaher, Wey President

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York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

EXHIBIT “B”
~ »
York county ProthoBOOKivi E-FilePAGBot 2028 02:07:00 PM
Case Number: 2024 SAGE 2113

roe
COMMITMENT - SCHEDULE C

ALL THAT CERTAIN Cond
Unitom
in the property
iniu known, named
m and
identified
in the Declaration refe to rr
belowed
as “Si Crossing, “a Condominium”,
located in Dover Township, York County,
the provis of the ion
Pennsylvania
Pen nsy
which lva
has heretofo
niare been ,
submit tedto
s
7by the recording Condominiu
in York County Recorder Act, m
68 P. S. A. Section 3101, et.
of Deeds Office a Declaration dated May 20,
199) and recorded
May 20, 1991 , in Land Record Book
such Declarat 170, Page 1116, being and designatedin
as io
Lot nNo. OSA and also known as
Pennsylvania 17315, Town
Dover ship, Yok County, as more fully Dover,
described in such
Declaration, as so amended, together with a proportionate i vided . *
interest in the Common
Elem of suchenCondots
minium as set forth in such Dec!arat
ion as so amended and as further
amended by any future amendments thereto hereafter reco in therd
aforesaid
ed office.

i Certify This Document
To Be
Recorded In York County, Pa,

et pet tela
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

EXHIBIT “C”
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Inst. 4 2016036917 p&asq Ypnpber: 2023-SU-002788

peck Crate Coerhovett Pr
ont. Fesnaptarnt
#

i
YORK COUNTY RECORDER OF DEEDS
28 EAST MARKET STREET
YORK, PA 17401
3?
i mG
a

Randi L. Reisinger - Recorder
Bradley G. Daugherty - Deputy
i a

Instrument Number - 2016036917 Book - 2383 Starting Page - 3299
Recorded On 8/25/2016 At 8:19:42 AM *Total Pages - 7
* Instrument Type - MODIFICATION OF MORTGAGE
Invoice Number - 1198269 the reel
* Grantor - HEDRICK, PAUL W
* Grantee - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC
User - JMR * Received By:
* Customer - SIMPLIFILE LC E-RECORDING
* FEES PARCEL IDENTIFICATION NUMBER
STATE WRIT TAX $0 50 24000210001 B0C0051
RECORDING FEES $17 00 Total Parcels: 1
PIN NUMBER FEES $10 00
COUNTY ARCHIVES FEE $2 00
ROD ARCHIVES FEE $3 00
TOTAL PAID $32 50

I Certify This Document To Be
Recorded In York County, Pa.
AE GET ARS
Cy oh, oe SD

Pau luge
Recorder of Deeds
RO”

THIS IS A CERTIFICATION PAGE
PLEASE DO NOT DETACH
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Book: 2383 Page: 3305
York County Prothonotary Civil E-Filed - 11 Oct 202: a 00 PM
Case Number: 2023-SU-002788

Investor Loan hz

When Recorded, Return to:
Ditech Financial LLC
Attn: Loss Mitigation
301 W. Bay Street
Jacksonville, FL 32202

This document was prepared by
Dominick Robinson
Ditech Financial LLC
301 W. Bay Street
Jacksonville, FL 32202

algae Above This Line For Recording Data]
Corrective © Or © A Peattion greemenh
@ditech. = Cocrect Iutevest Rate
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a iater company ORK.
4500 10001 BOC 0O
LOAN MODIFICATION AGREEMENT
1
This Loan Modification Agreement (“Agreement”), made June 4, 2016, between Paul W Hedrick and
Rosanne M Hedrick, Husband and Wife ("Borrower"), Ditech Financial LLC, and Mortgage Electronic
Registration Systems, inc.("“MERS’) as designated nominee for Veterans Home Mortgage, INC).
(“Mortgagee/Beneficiary”), amends and supplements (1) the Mortgage, Deed of Trust, or Security Deed
(the “Security Instrument"), and Timely Payment Rewards Rider, if any, dated 09/23/1998 and recorded in
Book or Liber 1339, at page(s) 3112, and/or Document # 1998070721 of the Official Records of York
County, PA.

and (2) the Note, bearing the same date as, and secured by, the Security Instrument, which covers the
real and personal property described in the Security Instrument and defined therein as the “Property”,
located at 3318 Glen Hollow Dr, Dover, PA, 17315
ALL THAT CERTAIN CONDOMINIUM UNIT IN THE PROPERTY KNOWN, NAMED AND IDENTIFIED IN THE DECLARATION
REFERRED TO BELOW AS "STONEBRIOGE CROSSING, "A CONDOMINIUM", LOCATED IN DOVER TOWNSHIP, YORK
COUNTY, PENNSYLVANIA, WHICH HAS HERETOFORE BEEN SUBMITTED TO THE PROVISIONS OF THE PENNSYLVANIA
UNIFORM CONDOMINIUM ACT, 68 P. S.A. SECTION 3101, ET. SEQ., BY THE RECORDING IN YORK COUNTY RECORDER O}
DEEDS OFFICE A DECLARATION DATED MAY 20, 1991 AND REOCRDED MAY 20, 1991, IN LAND RECORD BOOK 170, PAGE
‘1116, BEING AND DESIGNATED IN SUCH DECLARATION AS LOT NO. 1054 AND ALSO KNOWN AS 3318 GLEN HOLLOW
ROAD, DOVER, PENNSYLVANIA 17315, DOVER TOWNSHIP, YORK COUNTY, AS MORE FULLY DESCRIBED IN SUCH
THK JENDED, TOGETHER WITH A PROPORTIONAT! =D INTEREST IN THE COMMON
ELEMENTS OF SUCH CONDOMINIUM AS SET FORTH IN SUCH DECLARATION AS SO AMENDED AND AS FUTHER AMENDE!
BY ANY FUTURE AMENDMENTS THERETO HEREAFTER RECORDED IN THE AFORESAID OFFICE.

APN # 240 000 21 0001B0 C0051

the real property described in the above-referenced Security Instrument.

In consideration of the mutual promises and agreements exchanged, the parties hereto agree as
follows (notwithstanding anything to the contrary contained in the Note or Security Instrument)

1 As of 03/01/2016, the amount payable under the Note and the Security Instrument (the “New
Principal Balance”) is U.S. $71,186.53 consisting of the unpaid amount(s) loaned to Borrower by

Mod Agreement, 09/02/2014 Page 3 LTR-1439
York County Prothonotary Civil E-Filed - 11 Oct 2023 02:07:00 PM
Case Number: 2023-SU-002788

Lender plus any interest and other amounts capitalized.

Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender.
Interest will be charged on the Unpaid Principal Balance at the yearly rate of 4.125%, from
03/01/2016. Borrower promises to make monthly payments of principal and interest of U.S,
$404.18, beginning on the 04/01/2016, and continuing thereafter on the same day of each
succeeding month until principal and interest are paid in full. The yearly rate of 4.125% will
remain in effect until principal and interest are paid in full. The new monthly payment amount
does not include any amounts owed for escrow. Borrower may refer to the monthly billing
statement for the escrow amount owed. If on 10/01/2038 (the “Maturity Date"), Borrower still
owes amounts under the Note and the Security Instrument, as amended by this Agreement,
Borrower will pay these amounts in full on the Maturity Date. Borrower's payment schedule for
the modified Loan is as follows:

Years Interest Interest Monthly Payment lumber of
Rate Rate Principal and | Begins On Monthly
Change Interest Payments
Date Payment
Amount
1-23 4.125% 93/01/2016 $404.18 04/01/2016 271

if all 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 the Security Instrument.

lf 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 delivered or mailed
within which Borrower must pay all sums secured by the Security Instrument. If Borrower fails to
pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted
by the Security Instrument without further notice or demand on Borrower.

Borrower understands and agrees that:

(a) All the rights and remedies, stipulations, and conditions contained in the Security
Instrument relating to default in the making of payments under the Security Instrument
shall also apply to default in the making of the modified payments hereunder.

(b) All covenants, agreements, stipulations, and conditions in the Note and Security
Instrument shall be and remain in full force and effect, except as herein modified, and
none of the Borrower's obligations or liabilities under the Note and Security Instrument
shall be diminished or released by any provisions hereof, nor shall this Agreement in any
way impair, diminish, or affect any of Lender’s rights under or remedies on the Note and
Security Instrument, whether such rights or remedies arise thereunder or by operation of
law. Also, all rights of recourse to which Lender is presently entitled against any property
or any other persons in any way obligated for, or liable on, the Note and Security
Instrument are expressly reserved by Lender.

(c) Nothing in this Agreement shall be understood or construed to be a satisfaction or
release in whole or in part of the Note and Security Instrument.

(a) All costs and expenses incurred by Lender in connection with this Agreement, including
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Case Number: 2023-SU-002788

recording fees, title examination, and attorney's fees, shall be paid by the Borrower and
shall be secured by the Security Instrument, unless stipulated otherwise by Lender.

(e) Borrower agrees to make and execute such other documents or papers as may be
necessary or required to effectuate the terms and conditions of this Agreement which, if
approved and accepted by Lender, shall bind and inure to the heirs, executors,
administrators, and assigns of the Borrower,

(f) “MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate
corporation that is acting solely as nominee for Veterans Home Mortgage, INC and
Veterans Home Mortgage, INC s successors and assigns. MERS is the
“Mortgagee/Beneficiary” of record under the Security Instrument and this
Agreement. MERS is organized and existing under the laws of Delaware, and has an

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