On August 03, 2018 a
Exhibit,Appendix
was filed
involving a dispute between
Nationstar Mortgage Llc
Dba Mr Cooper,
and
Barbara J Johnson,
Stephanie V Johnson,
for Real Property - Mortgage Foreclosure - Residential
in the District Court of Rensselaer County.
Preview
FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483
NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022
EXHIBIT B
FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483
NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022
(Page 1 of 2)
Cop
MIN: Loan Number:
NOTE
FHACASENO.
SEPTEMBER 5, 2007
IDale]
31 MADISON AVENUE, TROY, NRW YORK 12180
Addrearj
[Property
I. FAICilES
"Borrowe meanseach ersonsigningat meendof thisNote,andtheperso#ssuccmersamlassigns."Leudermeans
FIRST AL TERNATI MORTGAGE CORP, A NEW YORK CORPORATION (CFL 4
100284 }
andItssuccessorsandassigns.
2.. BORhCWER'SPROMISE TO PA WTEREST
In returntw alovoreceivedfrom Lender.Borrowerpmmhes to paythe prindpalsumof ONE HUNDRED
SIXTY-EIGHT TEDUSAND SEVEN HUNDRED FORTY-THREE AND 00/100 Douars
(US.3 168, 743 . 00 ), pluslaterest,to Iheorderd Leader Interestwillbechargedca unpaidprincipal,
tramthedateof dhbarsemeni of theloanprocecoa byLeader,at therateof SEVEN AND 25 C/1000
percent( 7 . 250 %) peryear
unalthefull amountof principalhasbeenpali
3. PROMISETOPAYSECURED
Borrower'sprombe10payis securedby ainortage.deedofgreator sitnilarsecurityastrunemthatIs(latedIhesame
dateasthisNoteandcaRed the"Securitylnstrument,"
De SecurityInsbHnentprotecIstheLanderfromlosseswhichmight
raudiif BormwerdefaultsanderthisNote
4, MANNERDFPAYMENT
(A) TIme
Borrowershallmakea yeymcatof principalandinterestto Leaderon the arst day of eachmonth beginning
on NOVEMBER 1 , 2007 Anyprincipalandinterestremainingonthe first dayof
Date."
OCTOBER 1, 2 037 . walbedueon thatdise.whlehiscalled(1e 'Maturity
{B) Place
Payment
shallbcmadeal 145 HUGUENOTST , #109, NEW ROCHELLE, NEW YORK
10801
in wrlihigby mulcein Barrower
or at sucho er pheeasLendermaydesignate
(C) Amount
Eachmonthlypayment of principalandlaterestwUIbe1t1theamountof U.8 s 1, 151. 12
nis amounIwillbepartof alargermonthlypayment requbedbythe Security ghatshil beapplied(o prladpal,
Instrument,
interestsedotherlternsin theorderdescribed m theSecurityInstrument.
(D) Allengeto thh Notofor PaytnemAr[justments
if artabage providingfor paymentadjestmealsb executed of die
by BorrowertogetherwiththisNou, the covenants
allengesha0betocorporated into andshallainendandsupplement of IbtsNoteasif theaEongewerea part
thecovenanis
at thh Note (CheckapphcaWe boxJ
GrowingEquityAllonge PsyrnectAllonge
Graduated
Other |specifyl
5. BORROWER%RIGHTTO PREPAY
ilorrowerhnsghedghtn>pay& debtevidenced by thhNote,19wholeorin part.withoutchargeor penahy,onthe0rst
of
day any month.Leader s ha[1accept anotherdayspmvhledthatBarewerpaysimerealen theantenniprepaid
prepayraent
for theretnainderof themonthto theexlentrequiredhy Ianderandpertmtted of the secretary IfBarrower
by regulations
makesa partialprepayment. therewilibe mechangesin theduedaleer in theamountef themarithrypaymentunlessLeader
agreesla writingto thusechanges,
hEUm$fA114FHA PDEDRATENO12(Misj
pa-ass3-a rmpmunast PageI of2
FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483
NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022
(Page2 of 2)
Cop
4 BORROWER'S FAILURETO PAY
COPY
(A) LateChargefor OverduuPayments
If Leaderbusnot received
thefull monthlypayment
requiredbythe5ccudtyInstrument.asdescreed
of tNs Noic,by theendoffBeencalendar in Paragraph 4(C)
dayscherthepayment is due,Leadermaycollecta labrdargela theamountof
FOUR AND 000/10 00
pnent ( 4 . 000 %)
of theoverduesmountof eachpayment
@} Defauk
If Borremr defauhsl>yfathagto payin full maymonthlypayment. thenLeaderromy, excepraslimitedbyreguladons
the Secrectry in thecaseof payment of
defaults,requireimmedia1e paymentis full of theprincipatbalanco dueand
til accruedlmerest LeadermayclL00sE EOf10exRT CI5e remalaing
thli opUgnWithDutWalvingflirightsIn theoventof
defmdt,In manyclnumstances regn1stions
issuedby the Secretary anyEUb$fquent
will limit Leader'srightsto requireimmedlam paymem
in full in thecaseof paymemdefaults& Notedoesnotauthnrheecceleration when act
As ped in GihNote."Secreary" permitted-pyKUD regatatiom
meansde 5ecretary af HousingandUrbanDevelopment or bh or herdulgnee
(C) Psymentof CostsandEryenses
If IEnderhasrequired1rnmediatepayment in MI. asdescribed
shore,Leadermaycerguire Borrentr to paycostsand
expenses includingreposaldeandcustomary anorneyffeesfor ceforcingthisNotetotheextentnotprohibNed
hw Suchfeesandcostsshst)hearinterestfrom(bcdateo1disbursement byapplicahte
at thesameratear theprlacipalof an Note.
7. WAfVERS
Borrowerandacy otherpermmwhohasobligationsasiderthisNotewaivethenghtsat
presemiment andnoticEOf
dishonor,"Presentment'means thenghtto requirelandertodemand paymemof amounts due.'Noliceof dishonor' mems
the dght to requireLanderm glecanticeto otherpersonsthatlunountsduehavenot beenpaid
8. C1VINGOFNOTICES
Unlessapplicable lawregulrcsadifferealmethod.anynoticedut irest begiventoBorrowerunderthisNotewlike given
by delivedngit or by amUlugu by Arstclassmailfo Borrowerat the propertyaddress aboveor at a differentaddreeit
Bunowerhasgivenlandera nodceofbrruwer's differcotaddress
Any noticethatmustbegivento LeadermaterthisNotewillhegivenby ftfstdassmailto Leaderut theaddress staged
to Paragraph4th) or at adifferentaddressif harrowerisgivenaneeceat thatdifferentaddnss
S. OBLIGATIONSOFPER5ONS UNDERTHISNOTE
if morethanonepersonsiguntiesNote,eachpersonis
in thisNote.Indodingde promiserapaytheM smotmtowed A1Iyandpersonally obligaled
10keepall of thepromises made
Note Is alsoobligated10do thesething Any personw]N takesoverAnypersonwhoisa guaranter,suretyor endorsar of this
theseobligatitms,includingthe ob)fgallons
of a
guerut1or,surctyor codarmer of thisNage,is alsoabilgatedto keepall of the promisesmadein thisNote Leadermay
enforCC HsrightsunderthfsNoteagainst
eackpersonladividually or againstallsignatories
mgether AnymeepersonMuning
thisNotemayberequiredto payall ofthesmountsowedunderthisNote
BY SIGNINGBELOW,Borrowernents andaggrees
to thelermsandcovenants
comained
in pages1 and2ofthisNote
(Seal) (Seall
STEP ANIB OHNSON -Barrower BARBARA J. ( O SON -Borrower
($eal) (SeaD
Borrower -Barrower
{Scal) (Sca0
-Rorrower -Ilorrower
HSBC MORTGAGE CORPORATION (USA)
MIA.TISTAT&FHA
FIXEDBAIRNCrIR
' (rAlp
umanamame
onesmm Puge2of 2
FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483
NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022
Document Filed Date
October 27, 2022
Case Filing Date
August 03, 2018
Category
Real Property - Mortgage Foreclosure - Residential
For full print and download access, please subscribe at https://www.trellis.law/.
Preview
FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483 NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022 EXHIBIT B FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483 NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022 (Page 1 of 2) Cop MIN: Loan Number: NOTE FHACASENO. SEPTEMBER 5, 2007 IDale] 31 MADISON AVENUE, TROY, NRW YORK 12180 Addrearj [Property I. FAICilES "Borrowe meanseach ersonsigningat meendof thisNote,andtheperso#ssuccmersamlassigns."Leudermeans FIRST AL TERNATI MORTGAGE CORP, A NEW YORK CORPORATION (CFL 4 100284 } andItssuccessorsandassigns. 2.. BORhCWER'SPROMISE TO PA WTEREST In returntw alovoreceivedfrom Lender.Borrowerpmmhes to paythe prindpalsumof ONE HUNDRED SIXTY-EIGHT TEDUSAND SEVEN HUNDRED FORTY-THREE AND 00/100 Douars (US.3 168, 743 . 00 ), pluslaterest,to Iheorderd Leader Interestwillbechargedca unpaidprincipal, tramthedateof dhbarsemeni of theloanprocecoa byLeader,at therateof SEVEN AND 25 C/1000 percent( 7 . 250 %) peryear unalthefull amountof principalhasbeenpali 3. PROMISETOPAYSECURED Borrower'sprombe10payis securedby ainortage.deedofgreator sitnilarsecurityastrunemthatIs(latedIhesame dateasthisNoteandcaRed the"Securitylnstrument," De SecurityInsbHnentprotecIstheLanderfromlosseswhichmight raudiif BormwerdefaultsanderthisNote 4, MANNERDFPAYMENT (A) TIme Borrowershallmakea yeymcatof principalandinterestto Leaderon the arst day of eachmonth beginning on NOVEMBER 1 , 2007 Anyprincipalandinterestremainingonthe first dayof Date." OCTOBER 1, 2 037 . walbedueon thatdise.whlehiscalled(1e 'Maturity {B) Place Payment shallbcmadeal 145 HUGUENOTST , #109, NEW ROCHELLE, NEW YORK 10801 in wrlihigby mulcein Barrower or at sucho er pheeasLendermaydesignate (C) Amount Eachmonthlypayment of principalandlaterestwUIbe1t1theamountof U.8 s 1, 151. 12 nis amounIwillbepartof alargermonthlypayment requbedbythe Security ghatshil beapplied(o prladpal, Instrument, interestsedotherlternsin theorderdescribed m theSecurityInstrument. (D) Allengeto thh Notofor PaytnemAr[justments if artabage providingfor paymentadjestmealsb executed of die by BorrowertogetherwiththisNou, the covenants allengesha0betocorporated into andshallainendandsupplement of IbtsNoteasif theaEongewerea part thecovenanis at thh Note (CheckapphcaWe boxJ GrowingEquityAllonge PsyrnectAllonge Graduated Other |specifyl 5. BORROWER%RIGHTTO PREPAY ilorrowerhnsghedghtn>pay& debtevidenced by thhNote,19wholeorin part.withoutchargeor penahy,onthe0rst of day any month.Leader s ha[1accept anotherdayspmvhledthatBarewerpaysimerealen theantenniprepaid prepayraent for theretnainderof themonthto theexlentrequiredhy Ianderandpertmtted of the secretary IfBarrower by regulations makesa partialprepayment. therewilibe mechangesin theduedaleer in theamountef themarithrypaymentunlessLeader agreesla writingto thusechanges, hEUm$fA114FHA PDEDRATENO12(Misj pa-ass3-a rmpmunast PageI of2 FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483 NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022 (Page2 of 2) Cop 4 BORROWER'S FAILURETO PAY COPY (A) LateChargefor OverduuPayments If Leaderbusnot received thefull monthlypayment requiredbythe5ccudtyInstrument.asdescreed of tNs Noic,by theendoffBeencalendar in Paragraph 4(C) dayscherthepayment is due,Leadermaycollecta labrdargela theamountof FOUR AND 000/10 00 pnent ( 4 . 000 %) of theoverduesmountof eachpayment @} Defauk If Borremr defauhsl>yfathagto payin full maymonthlypayment. thenLeaderromy, excepraslimitedbyreguladons the Secrectry in thecaseof payment of defaults,requireimmedia1e paymentis full of theprincipatbalanco dueand til accruedlmerest LeadermayclL00sE EOf10exRT CI5e remalaing thli opUgnWithDutWalvingflirightsIn theoventof defmdt,In manyclnumstances regn1stions issuedby the Secretary anyEUb$fquent will limit Leader'srightsto requireimmedlam paymem in full in thecaseof paymemdefaults& Notedoesnotauthnrheecceleration when act As ped in GihNote."Secreary" permitted-pyKUD regatatiom meansde 5ecretary af HousingandUrbanDevelopment or bh or herdulgnee (C) Psymentof CostsandEryenses If IEnderhasrequired1rnmediatepayment in MI. asdescribed shore,Leadermaycerguire Borrentr to paycostsand expenses includingreposaldeandcustomary anorneyffeesfor ceforcingthisNotetotheextentnotprohibNed hw Suchfeesandcostsshst)hearinterestfrom(bcdateo1disbursement byapplicahte at thesameratear theprlacipalof an Note. 7. WAfVERS Borrowerandacy otherpermmwhohasobligationsasiderthisNotewaivethenghtsat presemiment andnoticEOf dishonor,"Presentment'means thenghtto requirelandertodemand paymemof amounts due.'Noliceof dishonor' mems the dght to requireLanderm glecanticeto otherpersonsthatlunountsduehavenot beenpaid 8. C1VINGOFNOTICES Unlessapplicable lawregulrcsadifferealmethod.anynoticedut irest begiventoBorrowerunderthisNotewlike given by delivedngit or by amUlugu by Arstclassmailfo Borrowerat the propertyaddress aboveor at a differentaddreeit Bunowerhasgivenlandera nodceofbrruwer's differcotaddress Any noticethatmustbegivento LeadermaterthisNotewillhegivenby ftfstdassmailto Leaderut theaddress staged to Paragraph4th) or at adifferentaddressif harrowerisgivenaneeceat thatdifferentaddnss S. OBLIGATIONSOFPER5ONS UNDERTHISNOTE if morethanonepersonsiguntiesNote,eachpersonis in thisNote.Indodingde promiserapaytheM smotmtowed A1Iyandpersonally obligaled 10keepall of thepromises made Note Is alsoobligated10do thesething Any personw]N takesoverAnypersonwhoisa guaranter,suretyor endorsar of this theseobligatitms,includingthe ob)fgallons of a guerut1or,surctyor codarmer of thisNage,is alsoabilgatedto keepall of the promisesmadein thisNote Leadermay enforCC HsrightsunderthfsNoteagainst eackpersonladividually or againstallsignatories mgether AnymeepersonMuning thisNotemayberequiredto payall ofthesmountsowedunderthisNote BY SIGNINGBELOW,Borrowernents andaggrees to thelermsandcovenants comained in pages1 and2ofthisNote (Seal) (Seall STEP ANIB OHNSON -Barrower BARBARA J. ( O SON -Borrower ($eal) (SeaD Borrower -Barrower {Scal) (Sca0 -Rorrower -Ilorrower HSBC MORTGAGE CORPORATION (USA) MIA.TISTAT&FHA FIXEDBAIRNCrIR ' (rAlp umanamame onesmm Puge2of 2 FILED: RENSSELAER COUNTY CLERK 10/27/2022 10:27 AM INDEX NO. EF2018-260483 NYSCEF DOC. NO. 38 RECEIVED NYSCEF: 10/27/2022