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iD: QU OUN PK DM INDEX NO. 722924/2023
NYSCEF BOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
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NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
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INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
Return To:
HE QZ
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GreenPoint Mortgage Funding, Inc.
100 Wood Hotlow Drive, Distribution
Novato, California 94945
Prepared By:
GreenPoint Mortgage Funding, Inc.
200 First Stamford Pluce, Suite 400
Stamford, Connecticut 06902-6745
—— -————~——
[Space Above This Line For Recording Data] —.
MORTGAGE
MIN
WORDS USED OFTEN IN THIS DOCUMENT
(A) "Security Instrument."
This document, which is dated March 6, 2002
together with all Riders to this document, will be called the "Security Instrument."
(B) "Borrower."
Maria Moundrakis, An Unmarried Woman
whose address is 30-72 29th Street, Astoria, New York 11102
sometimes will be called "Borrower" and someti simply *I" or "me."
(C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is organized and
existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint,
MI 48501-2026, tel. (888) 67°-MERS. FOR PURPOSES OF RECORDING THIS MORTGAGE,
MERS 1S THE MORTGAGEE OF RECORD.
(D) “Lender *
GreenPoint Mortgage Funding, Inc.
will be called “Lender.” Lender is a corporation or association which exists under the laws of
The State Of New York « Lender's address is
100 Wood Hollow Drive, Novato, California 94945
ee
aa.. + Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3033 +/01
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Page Vol 1
VME MORTGAGE FORKS mOgNs2t 129
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= INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
sey IAM AIND
(E) “Note.” The note signed by Borrower and dated March 6, 2002 » will be called
the "Note." The Note shows that Lowe Lender On® hun ared £;. it PO. thou iy d
two hurted Tifty Fie Adilars And Ste Our Cea
Dollars (US.9. $1, ASS. )
plus interest and other zmounts that may be payable. | have promised to pay thie debt in Periodic Payments
and (o pay the debt in full by April 1, 2017
(F) “Property.” The Property that is described below in the section titled “Description of the Property,”
will be called the “Property.”
(G) “Loan.” The *Loan* means the debt evidenced by the Note, plus interest, any prepayment charges and
late charges duc under the Note, and all sums duc under this Securit Instrument, plus interest.
(H) "Sums Secured.” The amounts described below in the section titled "Borrower's Transfer 10 Lender of
Rights in the Property” sometimes will be called the “Sums Secured.
(1) “Riders. All Riders attached to this Security Instrument that are signed by Borrower will be called
"Riders." The following Riders are to be signed by Borrower [check box as applicable]
5CI Adjustable Rate Rider [__] Condominium Rider
Balloon Rider
va Rider
Planned Unit Development Rider
Biweekly Payment Rider
("second Home Rider
1-4 Family Rider
‘Other(s) [specify]
(3) "Applicable Law." All controlling applicable federal, state and local statutes, regulations, ordinances
and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable, judicial opinions will be ca!led "Applicable Law.
(K) "Community Association Dues, Fees, and Assessments. All dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization will be called "Community Association Dues, Fees, and Assessments.
(L) “Electronic Funds Transfer.” “Electronic Funds Transfer" means any transfer of money, other than
by check, draft, or si ilar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tapeso as to order, instruct, or authorize a financial institution to debit
or credit an account. Some common examples of an Electronic Funds Transfer are point-of-sale transfers
(where a card such as an asset or debit card is used at a merchant), automated teller machine (or ATM)
trans 5» transf itiated by telephone, wire transfers, and automated clearinghouse transfers.
(M) row Item ‘Those items that are described in Section 3 will be called "Escrow Items.”
(IN) "Miscellancous Proceeds." "Miscellaneous Proceeds" means any compensation, settlement, award of
damages, or proceeds paid by any third party (other than Insurance Proceeds, as defined in, and paid under
the coverage described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) Condemnation
or other taki of all or any part of the Property; (iii) conveyance in licu of Condemnation or sale to avoid
Condemnation; or (i representations of, or om ms as to, the value and/or condition of the
Property. A taking of the Property by any governmental authority by eminent domain is known as
“Condemnation:
(O) "Mort, ge Insurance." “Mortgage Insurance” means insurance protecting Lender against the
nonpay! of, or default on, the Loan.
(P) “Periodi ment ‘The regularly scheduled amount di ¢ for (i) principal and interest under the Note,
and (ii) any amounts undcr Section 3 will be called “Periodic Payment.
(Q) “RESPA.” “RESPA™ the Real state Settlement Procedures Act (12 U.S.C. Section 2601 et -
seq.) nl its plementing regulation. Regulation X (24 C.F.R. Part 3500), as they might be amended se
from ime wot ‘or any additional or successor Icgislation or regulation that governs the same subject
mater As used in th ccurily Instrument, “RESPA" refers to all requirements and restrictions that are es
imposed in regard to a “iederally related mortgage loan" even if the Loan does not qualify as a “federally
ed mort Joan” under RESPA
EZDSAINY) 90%) 01 Page? of 7
sme NM Form 3033 1/01
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INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
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BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY
IT mortgage, grant and convey the Property to MERS (solely as nominee for Lender and Lender's
successors in interest) and its successors in interest subject to the terms of this Sccurity Instrument. This
means that, by signing this Security Instrument, | am giving Lender those rights that are stated in this
Security Instrument and also those rights that Applicable Law gives to lenders who hold mortgages on real
property. I am giving Lender these rights to protect Lender from possible losses that might result if | fail
to:
(A) Pay all the amounts that I owe Lender as stated in the Note including, but not limited to, all renewals,
extensions and modifications of the Note;
(B) Pay, with interest, any amounts that Lender spends under this Security Instrument to protect the value
of the Property and Lender's rights in the Property; and
(C) Keep ail of my other promises and agreements under this Security Instrument and the Note.
T understand and agree that MERS holds only legal title to the rights granted by me in this Security
Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's
successors and assigns) has the right:
(A) to exercise any or all of those rights, including, but not limited to, the right to foreclose and sell the
Property; and
(B) to take any action required of Lender including, but not limited to, releasing and canceling this
Security Instrument.
DESCRIPTION OF THE PROPERTY
I give MERS (solely as nominee for Lender and Lender's successors in interest) rights in the Property
described in (A) through (G) below:
(A) The Property which is located at
30-72 29th Street (Street)
Astoria {City, Town or Village], New York11102 {dip Code}.
This Property is in Queens County. It has the following legal
description:
As more particularly described in Schedule "A" attached hereto and made a
part hereof.
(B) All b ings and other improvements that are located on the Property described in subsection (A) of
this section;
(C) All rights in other property that { have as owner of the Property described in subsection (A) of this
section. These rights are known as “easements and enances attached (c the Property,”
(D) All ‘hts that I have in the Land which lies in the streets or roads in front of, or next to, the Property
described in subsection (A) of this section;
a SDsainyy (0005)01 Page
3 of 17
wwe LOMO Form 3033 1/01
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Sacre
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l= QU OUN PK DM INDEX NO. 722924/2023
NYSCEF BOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
ALL that centain plot, piece or parce! of land, with the buildings and
and being in the Borough and County of Queens, City and State of New
York, bout inded and described as follows:
y known as Academy Street, distant 250.21 feet
BEGINNING at a point on the westerly side of 29th Street, formerl
y side of 29tn direet with the nonneriy side OF
northerly from the corner formed by the intersection of the westerl
31st Avenue, formerly known as Jamaica Avenue;
feet;
RUNNING THENCE Westerly, parallel with 31st Avenue, 100.10
THENCE Northerly, paralle! with 29th Street, 25 feet;
to the westerly side of 29th Street;
THENCE Easterly again parallel with 31st Avenue, 100.10 feet
to the Part or place of BEGINNING.
THENCE Southerly, along the westerly side of 29th Street, 25 feet
Said premises known as 30-72 29th Street, Astoria, New York.
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Schedule A
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INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
c
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(E) All fixtures that are now or in the future will be on the Property described in subsections (A) and (B)
of this section;
(F) All of the rights and property described in subsections (B) through (E) of this section that I acquire in
the future;
(G) All replacements of or additions to the Property described in subsections (B) through (F) of this section
and all Insurance Proceeds for loss or damage to, and all Miscellaneous Proceeds of the Property descrihed
in subsections (A) through (F) of this section.
BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION
TO DEFEND OWNERSHIP OF THE PROPERTY
I promise that: (A) 1 lawfully own the Property; (B) J have the right to mortgage, gram and convey
the Property to Lender; and (C) there are nv outstanding claims ot charges against the Property, except for
those which are of public record.
{ give a general warranty of title to Lender. This means that I will be fully responsible for any losses
which Lender suffers because someone other than myself has some of the rights in the Property which I
promise that | have. I promise that I will defend my ownership of the Property against any claims of such
rights.
PLAIN LANGUAGE SECURITY INSTRUMENT
This Security Instrument contains promises and agreements that are used in real property security
instruments all over the country. It also contains other promises and agreements that vary in different parts
of the country. My promises and agreements are stated in “plain language.”
COVENANTS
I promise and | agree with Lender as follows:
1, Borrower's Promise to Pay. | will pay to Lender on time principal and interest due under the
Note and any prepayment, late charges and other amounts due under the Note. i will also pay all amounts
for Escrow Items under Section 3 of this Security Instrument.
Payments due under the Note and this Security Instrument shali be made in U.S. currency. If any of
my payments by check or other payment instrument is returned to Lender unpaid, Lender may require my
payment be made by: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, drawn upon an institution whose deposits are insured by a feders al agency, instrumentality,
or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location required in the Note, or at
another location designated by Lender under Section 15 of this Security Instrument. Lender may return or
accept any payment or partial payment if i* is for an amount that is fess than the amount that is then due. If
Lender accepts a lesser payment, Lender Tefuse to accept a lesser payment that I may make in the
future and does nol waive any of its rights. Lender is not obligated to apply such lesser payments when it
accepts such payments. If interest on principal accrues as if all Periodic Payments had been paid when due,
then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until | make
payments to bring the Loan current. If 1 do not do so within a reasonable period of time, Lender will either
apply such funds or return them to me. In the event of foreclosure, any unapplied funds will be applied to
the outstanding principal balance immediately prior to foreclosure. No offset or claim which | might have
now or in the future against Lender will relieve me from making payinents due under the Note and this
Security Instrument or keeping al! of my other promiscs and agreements secured by this Security
Instrument.
2. Application of Borrower's Payments and Insurance Proceeds. Unless Applicable Law or this
Section 2 requires otherwise, Lender will apply each of my payments that Lender accepts in the following,
order:
First, to pay interest due under the Mote;
Next, 1 pay pri yal due under the Note; and
Next, to pay the amounts duc Lender under Section 3 of this Security Instrument.
Such paym will be applied to cach Periodic Payment in the order in which it became due.
Aay rem ing amour will be applied as follows:
First, to any Hat »,
Next, to pay any other ond due under this Security Instrument; and
Next, to reduce the principal balance of the Note.
ma SDsanv 095) 07 Page
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= INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
ME AAA ay
If Lender receives a payment from me for a late Periodic Payment which includes a sufficient amount
to pay any tate charge due, the payment may be applied to the late Periodic Payment aud the late charge. If
more than one Periodic Payment is duc, Lender may apply any payment received from me: First, to the
repayment of the Periodic Payments that are due if, and to the extent that, each payment can be paid in
full; Next, to the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due.
Voluntary prepayments will be applied as follows: First, io any prepayment charges; and Next, as
described in the Note
Any application of payments, Insurance Proceeds, or iscellaneous Proceeds to principal due under
the Note will not extend or postpone the due date of the Per lic Payments or change the amount of those
payments.
3, Monthly Payments Fer Taxes And Insurance.
(a) Borrower's Obligations.
I will pay to Lender all amounts necessary to pay for taxes, assessments, water charges, sewer rents
and other similar charges, ground leasehold payments or rents (if any), hazard or property insurance
covering the Property, flood insurance (if any), and any required Mortgage Insurance, or a Loss Reserve
as described in Section 10 in the place of Mortgage Insurance. Each Periodic Payment will include an
amount to be applied toward payment of the following items which are called “Escrow items:
(1) The taxes, assessments, water charges, sewer rents and other similar charges, on the Property
which under Applicable Law may be superior to this Security Instrument as a Lien on the Property.
Any claim, demand or charge that is made against property because an obligation has not been
fulfilled is known as a “Lien;
(2) The leasehold payments or ground rents on the Property (if any);
(3) The premium for any and all insurance required by Lender under Section 5 of this Security
Instrument:
(4) The premium for Mortgage Insurance (if any);
(5) The anount I may be required to pay Lender under Section 10 of this Security Instrument instead
of the payment of the premium for Mortgage Insurance (if any); and
(6) If required by Lender, the amount for any Community Associ Dues, Fees, and Assessments.
After signing the Note, or at any time during its term, Lender may include these amounts as Escrow
ftems. The monthly payment { will make for Escrow Items will be based on Lender's estimate of the
annual amount required
I will pay all of these amounts to Lender unless Lender tells me, in writing, that | do not have to do
80, or unless Applicable Law requires otherwise. 1 will make these payments on the same day that my
Periodic Payments of principal and interest are duc under the Note.
The amounts that | pay to Lender for Escrow Items under this Section 3 will be called "Escrow
Funds." I will pay Lender the Escrow Funds for Escrow Items unless Lender waives my obligation to pay
the row Funds for any or all Escrow Items, Lender may waive my obligation to pay to Lender Escrow
Funds for any or all Escrow Items at any time. Any such waiver must be in writing. In the event of such
waiver, | pay directly, when and where payable, the amounts due for any Escrow Items for which
payment of scrow Funds has been waived by Lender and, if Lender requires, it promptly send to
Lender receipts showing such payment within such time period as Lender may require. My obligation to
make such pi (s and to provide receipts will be considered to be a Promise and agreement contained in
this Security | rument, as the phrase "promises and agreements” is used in Section 9 of this Security
Instrument, If 1 am obligated to pay Escrow Items directly, pursuant to a waiver, and I fail to pay the
amount due for an Escrow Item, Lender may pay that amount and I will then be obligated under Section 9 aoe
of this Security Instrument to sepay to Lender. Lender may revoke the waiver as to any or all Escrow Items.
at any time by a notice given in accordance with Section {5 of this Security Instrument and, upon the
oO jon, Twill pay to Lender all Escrow Funds, and in amounts, that are then required under this
aie GEDAAINY) woo 01 Page
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INDEX NO. 722924/2023
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vd
1 promise to promptly send to Lender any notices that ! receive of Escrow Item amounts to be paid.
Lender will estimate from time to time the amount of Escrow Funds { will have to pay by using © ag
assessments and bills and reasonable estimates of the amount I will have to pay for Escrow Ite1 nthe
future, unless Applicable Law requires Lender to use another method for determining the amount | am to
pay.
Lender may, at any time, collect and hold Escrow Funds in an amount sufficient to permit Lender to
apply the Escrow Funds at the time specified under RESPA. Applicable Law puts limits on the (otal
amount of Escrow Funds Lender can at any time collect and hold. This total amount cannot be more than
the maximum amount a lender could require under RESPA. If there is another Applicable Law that
imposes a lower limit on the total amount of Escrow Funds Lender can collect and hold, Lender will be
fimited to the lower amount.
(b) Lender's Obligations.
Lender will keep the Escrow Funds in a savings or banking institution which has its deposits insured
by a federal agency, instrumentality, or entity, or in any Federal Home Loan Bank. If Lender is such a
savings or banking institution, Lender may hold the Escrow Funds. Lender will use the Escrow Funds to
pay the Escrow Items no later than the time allowed under RESPA or other Applicable Law. Lender will
give to me, without charge, an annual accounting of the Escrow Funds. That accounting will show all
additions to and deductions from the Escrow Funds and the reason for each deduction,
Lender may not charge me for holding or keeping the Escrow Funds, for using the Escrow Funds to
pay Escrow Items, for making a yearly analysis of my payment of Escrow Funds or for receiving, or for
verifying and totaling assessments and bills. However, Lender may charge me for these services if Lender a
Pays me interest on the Escrow Funds and if Applicable Law permits Lender to make such a charge.
Lender will not be required to pay me any interest or earnings on the Escrow Funds unless either (1)
Lender and I agree in writing that Lender will pay interest on the Escrow Funds, or (2) Applicable Law
requires Lender to pay interest on the Escrow Funds.
(c) Adjustments to the Escrow Funds.
‘Under Applicable Law, there is a limit on the amount of Escrow Funds Lender may hold. If the
amount of Escrow Funds held by Lender exceeds this limit, then there will be an excess amount and
RESPA requires Lender to account to me in a special manner for the excess amount of Escro Funds.
If, at any time, Lender has not received enough Escrow Funds to make the payients of ‘row Ttemts
when the payments are due, Lender may tell me in writing that an additional amount is neces' ry. V will
pay to Lender whatever additional amount is necessary to pay the Escrow lems when the payments are
due, but the number ef payments will not be more than 12.
When I have paid all of the Sums Secured, Lender will promptly refund to me any Escrow Bundy that
are then being held by Lender.
4, Borrower's Obligation to Pay Charges, Assessments And Claims. 1 will pay all taxes,
assessments, water charges, sewer rents and other similar charges, and any other charges and fin that
may be imposed on the Property and that may be superior to this Security Instrument. 1 will O make
ground rents or payments due under my lease if 1am a tenant on the Property and Community Association
Dues, Fees, and Assessments (if any) due on the Property. If these items are: y Items, T wall de: this,
by making the payments as described in Section 3 of this $ curity Enstrument: ln this Security Instrument,
the word “Person” means an Jividual, organization, pov en 1 authority or other patty
1 will promptly pay or satisfy all Liens against Property that may be super to this Security
Instrument. However, this Security Instrument does not uyunie me to sativty a superion Lien if: (ay 1
agree, in writ ig. to pay the obligation which gave rive to the superior Lien and Lander approves the way:
in which | agree to ay that obligation, but oply sot ay Fam pertormmny, such agreement; (b) in good
faith, 1 argue or defend a inst the superior Lien ya dawsuit so that in Lender's opinion, during the
Tawsuit, the superior 4 may not be enforced. but oly antl the Laweutt ends, er de) LE secure trom the:
an agreem M. . approved in writing by Fender, that the Bien of this Security
Benny) (ooosy or Hagen at
anf Form 3033 1/01
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3° ) o5x40
INDEX NO. 722924/2023
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023
9G
ap 328
Instrument is superior to the Lien held by that Person. If Lender dete: s that any part of the Property is
subject to a superior Lien, Lender may give Borrower a notice identifying the superior Lien. Within 10
days of the date on which the notice is given, Borrower shall pay or satisfy the superior Lien or take one or
more of the actions mentioned in this Section 4.
Lender also may require me to pay a one-time charge for an independent real estate tax reporting
service used by Lender in connection with the Loan, unless Applicable Law does not permit Lender to
make such a charge.
5. Borrower's Obligation to Maintain Hazard Insurance or Property Insui ance. } will obtain
hazard or property insurance to cover all buildings and other improvements that now are, or in the future
will be, located on the Property. The insurance will cover loss or damage caused by fire, hazards normally
covered by “Extended Coverage" hazard insurance policies, and any other hazards for which Lender
requires coverage, including, but not limited to earthquakes and floods. The insurance will be in the
amounts (including, but not limited to, deductible levels) and for the periods of time required by Lender.
What Lender requires under the last sentence can change during the term of the Loan. I may choose the i
insurance company. but my choice is subject to Lender's right to disapprove. Lender may not disapprove
my
Preview
iD: QU OUN PK DM INDEX NO. 722924/2023 NYSCEF BOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 EXHIBIT F =: INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 on aaa civ REGISTER RECORDING AND ENDORSEMENT PAGE TOTAL NUMBER OF PAGES IN DOCUMENT COUNTY OF > { 2 a a INCLUDING THIS PAGE D> NT Eien THIS PAGE FORM PART OF THE tusTRUME it a) Partis! Lots v ( Block v 6? y Lots - ome ennme tor ¥ Premises ¥ aq ST ADDRESS¥ Poe ny pus ins = 00 Weed Xalloew bs Tee [300 oF kK larch Tolle = DY¥9VS- Vena Cn tartan. igen rashes , 30-78 APVAST., . —— PARTY1 > PARTY1 > lar Junkers, avd He Llag 122 PARTY2 > Prev¥ ONAL PART TY 2 Povets CA. 4YaYS” ‘7 CHECK TH If THERE ARE MORE THAN 2 OF EITHER PART COSMET om PR vw 2 Examined by (*): = City Register a VIS |Serial Number D> J = _|[ Mige Tax SerialNo. ee oe Ah (r indexed thige Amount Je sl DY By ter: et is fer ‘Taxable Amount Block(e)and Lot(s) veriied by (7° Exemption (/) vesQ no Andress: A Tax Map a Extra Lot(s) _______ HTGi acre! Type: oeone {sssee} {- | loner —-—} —— veux a nae eee wating Toe ined] {3] [ews] oars |Reconding Fee Y ig '2- TAX RECEIVED ON ABOVE MORT. \ffidavit Fee, ©. ‘County (basic) k 2 Fee @ S$ —- City (Add) FOL, ‘Spec Addr! . Ne Transfer Tax ¥ TASF a oh MTA.. we Number> a saekeaa NYCTA TOTAL TAX . 7 ots Property Transfer Tax [APpartonment Mortgage (7) ves O wo O ‘Serial Number > 7 a ——----4 ° RECORDED IN THE OFFICE OF THE CITY REGISTER peas OF THE CITY OF NEW YORK i Ween} te y) Rp c, 04 ee, ate wwitth ase eer FEPeeereereeeeereeeeeeeeeaeee) soe: eed ae ee asxto INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 Return To: HE QZ ie GreenPoint Mortgage Funding, Inc. 100 Wood Hotlow Drive, Distribution Novato, California 94945 Prepared By: GreenPoint Mortgage Funding, Inc. 200 First Stamford Pluce, Suite 400 Stamford, Connecticut 06902-6745 —— -————~—— [Space Above This Line For Recording Data] —. MORTGAGE MIN WORDS USED OFTEN IN THIS DOCUMENT (A) "Security Instrument." This document, which is dated March 6, 2002 together with all Riders to this document, will be called the "Security Instrument." (B) "Borrower." Maria Moundrakis, An Unmarried Woman whose address is 30-72 29th Street, Astoria, New York 11102 sometimes will be called "Borrower" and someti simply *I" or "me." (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 67°-MERS. FOR PURPOSES OF RECORDING THIS MORTGAGE, MERS 1S THE MORTGAGEE OF RECORD. (D) “Lender * GreenPoint Mortgage Funding, Inc. will be called “Lender.” Lender is a corporation or association which exists under the laws of The State Of New York « Lender's address is 100 Wood Hollow Drive, Novato, California 94945 ee aa.. + Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3033 +/01 won Ml ZBAINY) 000%» 01 Page Vol 1 VME MORTGAGE FORKS mOgNs2t 129 i wae eal - o5x10 = INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 sey IAM AIND (E) “Note.” The note signed by Borrower and dated March 6, 2002 » will be called the "Note." The Note shows that Lowe Lender On® hun ared £;. it PO. thou iy d two hurted Tifty Fie Adilars And Ste Our Cea Dollars (US.9. $1, ASS. ) plus interest and other zmounts that may be payable. | have promised to pay thie debt in Periodic Payments and (o pay the debt in full by April 1, 2017 (F) “Property.” The Property that is described below in the section titled “Description of the Property,” will be called the “Property.” (G) “Loan.” The *Loan* means the debt evidenced by the Note, plus interest, any prepayment charges and late charges duc under the Note, and all sums duc under this Securit Instrument, plus interest. (H) "Sums Secured.” The amounts described below in the section titled "Borrower's Transfer 10 Lender of Rights in the Property” sometimes will be called the “Sums Secured. (1) “Riders. All Riders attached to this Security Instrument that are signed by Borrower will be called "Riders." The following Riders are to be signed by Borrower [check box as applicable] 5CI Adjustable Rate Rider [__] Condominium Rider Balloon Rider va Rider Planned Unit Development Rider Biweekly Payment Rider ("second Home Rider 1-4 Family Rider ‘Other(s) [specify] (3) "Applicable Law." All controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable, judicial opinions will be ca!led "Applicable Law. (K) "Community Association Dues, Fees, and Assessments. All dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization will be called "Community Association Dues, Fees, and Assessments. (L) “Electronic Funds Transfer.” “Electronic Funds Transfer" means any transfer of money, other than by check, draft, or si ilar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tapeso as to order, instruct, or authorize a financial institution to debit or credit an account. Some common examples of an Electronic Funds Transfer are point-of-sale transfers (where a card such as an asset or debit card is used at a merchant), automated teller machine (or ATM) trans 5» transf itiated by telephone, wire transfers, and automated clearinghouse transfers. (M) row Item ‘Those items that are described in Section 3 will be called "Escrow Items.” (IN) "Miscellancous Proceeds." "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than Insurance Proceeds, as defined in, and paid under the coverage described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) Condemnation or other taki of all or any part of the Property; (iii) conveyance in licu of Condemnation or sale to avoid Condemnation; or (i representations of, or om ms as to, the value and/or condition of the Property. A taking of the Property by any governmental authority by eminent domain is known as “Condemnation: (O) "Mort, ge Insurance." “Mortgage Insurance” means insurance protecting Lender against the nonpay! of, or default on, the Loan. (P) “Periodi ment ‘The regularly scheduled amount di ¢ for (i) principal and interest under the Note, and (ii) any amounts undcr Section 3 will be called “Periodic Payment. (Q) “RESPA.” “RESPA™ the Real state Settlement Procedures Act (12 U.S.C. Section 2601 et - seq.) nl its plementing regulation. Regulation X (24 C.F.R. Part 3500), as they might be amended se from ime wot ‘or any additional or successor Icgislation or regulation that governs the same subject mater As used in th ccurily Instrument, “RESPA" refers to all requirements and restrictions that are es imposed in regard to a “iederally related mortgage loan" even if the Loan does not qualify as a “federally ed mort Joan” under RESPA EZDSAINY) 90%) 01 Page? of 7 sme NM Form 3033 1/01 asxto INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 mae ‘ ata BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY IT mortgage, grant and convey the Property to MERS (solely as nominee for Lender and Lender's successors in interest) and its successors in interest subject to the terms of this Sccurity Instrument. This means that, by signing this Security Instrument, | am giving Lender those rights that are stated in this Security Instrument and also those rights that Applicable Law gives to lenders who hold mortgages on real property. I am giving Lender these rights to protect Lender from possible losses that might result if | fail to: (A) Pay all the amounts that I owe Lender as stated in the Note including, but not limited to, all renewals, extensions and modifications of the Note; (B) Pay, with interest, any amounts that Lender spends under this Security Instrument to protect the value of the Property and Lender's rights in the Property; and (C) Keep ail of my other promises and agreements under this Security Instrument and the Note. T understand and agree that MERS holds only legal title to the rights granted by me in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: (A) to exercise any or all of those rights, including, but not limited to, the right to foreclose and sell the Property; and (B) to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. DESCRIPTION OF THE PROPERTY I give MERS (solely as nominee for Lender and Lender's successors in interest) rights in the Property described in (A) through (G) below: (A) The Property which is located at 30-72 29th Street (Street) Astoria {City, Town or Village], New York11102 {dip Code}. This Property is in Queens County. It has the following legal description: As more particularly described in Schedule "A" attached hereto and made a part hereof. (B) All b ings and other improvements that are located on the Property described in subsection (A) of this section; (C) All rights in other property that { have as owner of the Property described in subsection (A) of this section. These rights are known as “easements and enances attached (c the Property,” (D) All ‘hts that I have in the Land which lies in the streets or roads in front of, or next to, the Property described in subsection (A) of this section; a SDsainyy (0005)01 Page 3 of 17 wwe LOMO Form 3033 1/01 G Sacre ccarcaeeeeaeecea) 25x40 l= QU OUN PK DM INDEX NO. 722924/2023 NYSCEF BOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 ALL that centain plot, piece or parce! of land, with the buildings and and being in the Borough and County of Queens, City and State of New York, bout inded and described as follows: y known as Academy Street, distant 250.21 feet BEGINNING at a point on the westerly side of 29th Street, formerl y side of 29tn direet with the nonneriy side OF northerly from the corner formed by the intersection of the westerl 31st Avenue, formerly known as Jamaica Avenue; feet; RUNNING THENCE Westerly, parallel with 31st Avenue, 100.10 THENCE Northerly, paralle! with 29th Street, 25 feet; to the westerly side of 29th Street; THENCE Easterly again parallel with 31st Avenue, 100.10 feet to the Part or place of BEGINNING. THENCE Southerly, along the westerly side of 29th Street, 25 feet Said premises known as 30-72 29th Street, Astoria, New York. te ™s ee oR ws ey Tae ae Schedule A SPREE EERE EE EEE EE EEE EEE PPE eePE PEPE EEE EEEPOEeea o5xio INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 c ger 27eM PA a | (E) All fixtures that are now or in the future will be on the Property described in subsections (A) and (B) of this section; (F) All of the rights and property described in subsections (B) through (E) of this section that I acquire in the future; (G) All replacements of or additions to the Property described in subsections (B) through (F) of this section and all Insurance Proceeds for loss or damage to, and all Miscellaneous Proceeds of the Property descrihed in subsections (A) through (F) of this section. BORROWER'S RIGHT TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNERSHIP OF THE PROPERTY I promise that: (A) 1 lawfully own the Property; (B) J have the right to mortgage, gram and convey the Property to Lender; and (C) there are nv outstanding claims ot charges against the Property, except for those which are of public record. { give a general warranty of title to Lender. This means that I will be fully responsible for any losses which Lender suffers because someone other than myself has some of the rights in the Property which I promise that | have. I promise that I will defend my ownership of the Property against any claims of such rights. PLAIN LANGUAGE SECURITY INSTRUMENT This Security Instrument contains promises and agreements that are used in real property security instruments all over the country. It also contains other promises and agreements that vary in different parts of the country. My promises and agreements are stated in “plain language.” COVENANTS I promise and | agree with Lender as follows: 1, Borrower's Promise to Pay. | will pay to Lender on time principal and interest due under the Note and any prepayment, late charges and other amounts due under the Note. i will also pay all amounts for Escrow Items under Section 3 of this Security Instrument. Payments due under the Note and this Security Instrument shali be made in U.S. currency. If any of my payments by check or other payment instrument is returned to Lender unpaid, Lender may require my payment be made by: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, drawn upon an institution whose deposits are insured by a feders al agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location required in the Note, or at another location designated by Lender under Section 15 of this Security Instrument. Lender may return or accept any payment or partial payment if i* is for an amount that is fess than the amount that is then due. If Lender accepts a lesser payment, Lender Tefuse to accept a lesser payment that I may make in the future and does nol waive any of its rights. Lender is not obligated to apply such lesser payments when it accepts such payments. If interest on principal accrues as if all Periodic Payments had been paid when due, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until | make payments to bring the Loan current. If 1 do not do so within a reasonable period of time, Lender will either apply such funds or return them to me. In the event of foreclosure, any unapplied funds will be applied to the outstanding principal balance immediately prior to foreclosure. No offset or claim which | might have now or in the future against Lender will relieve me from making payinents due under the Note and this Security Instrument or keeping al! of my other promiscs and agreements secured by this Security Instrument. 2. Application of Borrower's Payments and Insurance Proceeds. Unless Applicable Law or this Section 2 requires otherwise, Lender will apply each of my payments that Lender accepts in the following, order: First, to pay interest due under the Mote; Next, 1 pay pri yal due under the Note; and Next, to pay the amounts duc Lender under Section 3 of this Security Instrument. Such paym will be applied to cach Periodic Payment in the order in which it became due. Aay rem ing amour will be applied as follows: First, to any Hat », Next, to pay any other ond due under this Security Instrument; and Next, to reduce the principal balance of the Note. ma SDsanv 095) 07 Page 4 of 17 wen 1 Form 3033 1/04 aio _ -° ») o5x10 = INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 ME AAA ay If Lender receives a payment from me for a late Periodic Payment which includes a sufficient amount to pay any tate charge due, the payment may be applied to the late Periodic Payment aud the late charge. If more than one Periodic Payment is duc, Lender may apply any payment received from me: First, to the repayment of the Periodic Payments that are due if, and to the extent that, each payment can be paid in full; Next, to the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments will be applied as follows: First, io any prepayment charges; and Next, as described in the Note Any application of payments, Insurance Proceeds, or iscellaneous Proceeds to principal due under the Note will not extend or postpone the due date of the Per lic Payments or change the amount of those payments. 3, Monthly Payments Fer Taxes And Insurance. (a) Borrower's Obligations. I will pay to Lender all amounts necessary to pay for taxes, assessments, water charges, sewer rents and other similar charges, ground leasehold payments or rents (if any), hazard or property insurance covering the Property, flood insurance (if any), and any required Mortgage Insurance, or a Loss Reserve as described in Section 10 in the place of Mortgage Insurance. Each Periodic Payment will include an amount to be applied toward payment of the following items which are called “Escrow items: (1) The taxes, assessments, water charges, sewer rents and other similar charges, on the Property which under Applicable Law may be superior to this Security Instrument as a Lien on the Property. Any claim, demand or charge that is made against property because an obligation has not been fulfilled is known as a “Lien; (2) The leasehold payments or ground rents on the Property (if any); (3) The premium for any and all insurance required by Lender under Section 5 of this Security Instrument: (4) The premium for Mortgage Insurance (if any); (5) The anount I may be required to pay Lender under Section 10 of this Security Instrument instead of the payment of the premium for Mortgage Insurance (if any); and (6) If required by Lender, the amount for any Community Associ Dues, Fees, and Assessments. After signing the Note, or at any time during its term, Lender may include these amounts as Escrow ftems. The monthly payment { will make for Escrow Items will be based on Lender's estimate of the annual amount required I will pay all of these amounts to Lender unless Lender tells me, in writing, that | do not have to do 80, or unless Applicable Law requires otherwise. 1 will make these payments on the same day that my Periodic Payments of principal and interest are duc under the Note. The amounts that | pay to Lender for Escrow Items under this Section 3 will be called "Escrow Funds." I will pay Lender the Escrow Funds for Escrow Items unless Lender waives my obligation to pay the row Funds for any or all Escrow Items, Lender may waive my obligation to pay to Lender Escrow Funds for any or all Escrow Items at any time. Any such waiver must be in writing. In the event of such waiver, | pay directly, when and where payable, the amounts due for any Escrow Items for which payment of scrow Funds has been waived by Lender and, if Lender requires, it promptly send to Lender receipts showing such payment within such time period as Lender may require. My obligation to make such pi (s and to provide receipts will be considered to be a Promise and agreement contained in this Security | rument, as the phrase "promises and agreements” is used in Section 9 of this Security Instrument, If 1 am obligated to pay Escrow Items directly, pursuant to a waiver, and I fail to pay the amount due for an Escrow Item, Lender may pay that amount and I will then be obligated under Section 9 aoe of this Security Instrument to sepay to Lender. Lender may revoke the waiver as to any or all Escrow Items. at any time by a notice given in accordance with Section {5 of this Security Instrument and, upon the oO jon, Twill pay to Lender all Escrow Funds, and in amounts, that are then required under this aie GEDAAINY) woo 01 Page of 17 Form 3033 1/01 Te a cy a xla INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 2M 25 vd 1 promise to promptly send to Lender any notices that ! receive of Escrow Item amounts to be paid. Lender will estimate from time to time the amount of Escrow Funds { will have to pay by using © ag assessments and bills and reasonable estimates of the amount I will have to pay for Escrow Ite1 nthe future, unless Applicable Law requires Lender to use another method for determining the amount | am to pay. Lender may, at any time, collect and hold Escrow Funds in an amount sufficient to permit Lender to apply the Escrow Funds at the time specified under RESPA. Applicable Law puts limits on the (otal amount of Escrow Funds Lender can at any time collect and hold. This total amount cannot be more than the maximum amount a lender could require under RESPA. If there is another Applicable Law that imposes a lower limit on the total amount of Escrow Funds Lender can collect and hold, Lender will be fimited to the lower amount. (b) Lender's Obligations. Lender will keep the Escrow Funds in a savings or banking institution which has its deposits insured by a federal agency, instrumentality, or entity, or in any Federal Home Loan Bank. If Lender is such a savings or banking institution, Lender may hold the Escrow Funds. Lender will use the Escrow Funds to pay the Escrow Items no later than the time allowed under RESPA or other Applicable Law. Lender will give to me, without charge, an annual accounting of the Escrow Funds. That accounting will show all additions to and deductions from the Escrow Funds and the reason for each deduction, Lender may not charge me for holding or keeping the Escrow Funds, for using the Escrow Funds to pay Escrow Items, for making a yearly analysis of my payment of Escrow Funds or for receiving, or for verifying and totaling assessments and bills. However, Lender may charge me for these services if Lender a Pays me interest on the Escrow Funds and if Applicable Law permits Lender to make such a charge. Lender will not be required to pay me any interest or earnings on the Escrow Funds unless either (1) Lender and I agree in writing that Lender will pay interest on the Escrow Funds, or (2) Applicable Law requires Lender to pay interest on the Escrow Funds. (c) Adjustments to the Escrow Funds. ‘Under Applicable Law, there is a limit on the amount of Escrow Funds Lender may hold. If the amount of Escrow Funds held by Lender exceeds this limit, then there will be an excess amount and RESPA requires Lender to account to me in a special manner for the excess amount of Escro Funds. If, at any time, Lender has not received enough Escrow Funds to make the payients of ‘row Ttemts when the payments are due, Lender may tell me in writing that an additional amount is neces' ry. V will pay to Lender whatever additional amount is necessary to pay the Escrow lems when the payments are due, but the number ef payments will not be more than 12. When I have paid all of the Sums Secured, Lender will promptly refund to me any Escrow Bundy that are then being held by Lender. 4, Borrower's Obligation to Pay Charges, Assessments And Claims. 1 will pay all taxes, assessments, water charges, sewer rents and other similar charges, and any other charges and fin that may be imposed on the Property and that may be superior to this Security Instrument. 1 will O make ground rents or payments due under my lease if 1am a tenant on the Property and Community Association Dues, Fees, and Assessments (if any) due on the Property. If these items are: y Items, T wall de: this, by making the payments as described in Section 3 of this $ curity Enstrument: ln this Security Instrument, the word “Person” means an Jividual, organization, pov en 1 authority or other patty 1 will promptly pay or satisfy all Liens against Property that may be super to this Security Instrument. However, this Security Instrument does not uyunie me to sativty a superion Lien if: (ay 1 agree, in writ ig. to pay the obligation which gave rive to the superior Lien and Lander approves the way: in which | agree to ay that obligation, but oply sot ay Fam pertormmny, such agreement; (b) in good faith, 1 argue or defend a inst the superior Lien ya dawsuit so that in Lender's opinion, during the Tawsuit, the superior 4 may not be enforced. but oly antl the Laweutt ends, er de) LE secure trom the: an agreem M. . approved in writing by Fender, that the Bien of this Security Benny) (ooosy or Hagen at anf Form 3033 1/01 eed 3° ) o5x40 INDEX NO. 722924/2023 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 10/30/2023 9G ap 328 Instrument is superior to the Lien held by that Person. If Lender dete: s that any part of the Property is subject to a superior Lien, Lender may give Borrower a notice identifying the superior Lien. Within 10 days of the date on which the notice is given, Borrower shall pay or satisfy the superior Lien or take one or more of the actions mentioned in this Section 4. Lender also may require me to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with the Loan, unless Applicable Law does not permit Lender to make such a charge. 5. Borrower's Obligation to Maintain Hazard Insurance or Property Insui ance. } will obtain hazard or property insurance to cover all buildings and other improvements that now are, or in the future will be, located on the Property. The insurance will cover loss or damage caused by fire, hazards normally covered by “Extended Coverage" hazard insurance policies, and any other hazards for which Lender requires coverage, including, but not limited to earthquakes and floods. The insurance will be in the amounts (including, but not limited to, deductible levels) and for the periods of time required by Lender. What Lender requires under the last sentence can change during the term of the Loan. I may choose the i insurance company. but my choice is subject to Lender's right to disapprove. Lender may not disapprove my