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Filing # 190888725 E-Filed 01/30/2024 09:30:54 PM
shellpoin ADMRECH
oN mEWTES
Hours of Operation
55 Beattie Place, Suite 110 ‘oll Free Phone 1-800~ 58-7107 Monday - Friday 8:00AM ~ 10:00PM
Greenvil Poll Free Fax. 1-866-4 1137 Saturday 8:00AM - 3:00PM
Last four (4) digits of Loan oi
Case No:
Borrower Name: KRYSTAL LAGO
Property Address: 13158 DRYSDALE ST
SPRING HILL, FL 34609
Florida Statutes § 702.015 (4) Possession Certificate
(1) Under penalty of perjury, I, Nikita Thompson, Supervisor for NewRez LLC d/b/a Shelipoint Mortgage
Servicing (Shellpoint) give this certification. I am authorized to provide this certification as an
employee of Shelipoint.
{2) NewRez LLC d/b/a Shellpoint Mortgage Servicing is in possession of the original promissory note at
issuance of the foreclosure action,
{pee
(3) I personally verified NewRez LLC d/b/a Shellpoint Mortgage Servicing’s possession of the original
promissory note on (date) at .! un. (time).
(4) At the time of verification, the original promissory note was located at NewRez LLC d/b/a Shellpoint
Mortgage Servicing, 75 Beattie Place, Suite 200, Greenville, SC 29601.
(5) A true and correct copy of the Promissory Note and Allonge(s) (if applicable) is/are attached to this
certificate as “Exhibit A”.
Signatureg 7 TNR
Printed Name: Nikita Thompson
Title: Supervisor
Date: 01/24/2024
Electronically Filed Hernando Case # 24000089CAAXMX 01/30/2024 09:30:54 PM.
i
MIN
NOTE
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APRIL 09, 2020, SPRING HILL 4 FLORIDA ven
(Datel iCuyt [Statep
13158 DRYS! ST 3 HILL, FLORIDA 34609-4241 i
{[Properiy Address]
1 BORROWER'S PROMIS ‘OPAY
In return for @ loan that { have received, 1 promise to pay U.S $206,196.00 (this amount is called “Principat” ), plus interest, to
the order of the Lender ‘The Lender is CALIBER HOME LOANS, INC. Twill make all payments under this Note in the form of
cash, check or money order
F understand that the Lender may transfer this Note. The Lender of 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, f will pay interest at a yearly rate of
3.128%.
The interest rate reqaired by this Section 2 is the rate f will pay both before and afler any default described in Section 6(B) of this
Note.
3. PAYMENTS
(A) Time and Place of Payments
Twill pay principal and interest by making a payment every month
I will make my monthly payment on the IST day of each month beginning on JUNE 1, 2020. 1 will make these payments ev ery
month untif | have paid all of the principal and interest and any other charges described below that { may owe under this Note E eh
monthly ent wall be applied as of its scheduled due date and will be applied to interest before Principal, It,on MAY 1, 2080. 1
sul owe jounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date”
Twill make my monthly payments at P.O. BOX 650856, DALLAS, TX 75265-0856 or at a different place if required by the
Note Holder
{B) Ansount of Monthly Payments
My month ayment will bean the amount of US $883.29.
4 BORROWER'S RIGHT TO PREPAY
Thave the night to make payments of Principal at any time before they are due A payment of Principal only is known as a
“Prepayment” When | make a Prepayment, J will tell the Note Holder in writing that Tam daing so. I may not designate a payment
as a Prepayment iff have not made all the monthly payments due under the Note,
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge The Note Holder will use my
Prepayments to reduce the amount of Principal that | owe under this Note: However, the Note Holder may apply my Prepayment to
the acorved and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Prncipal amount of the
Note If 1 make a partial Prepayment, there will be no changes in the due date or in the amount of my monihly payment unless the
Note Holder agrees in writing to those changes.
5, LOANC RGES
Ifa law, which apphes to this loan and which sets maximum foan charges, is finally interpreted so that the interest or other Loan
charges collected or to be collected in conection with this loan exceed the permitted fimits, then: (a) any such toan charge shall be
reduced by the amount necessary to reduce the charge to the permitted limit, and (b) any sums already collected from me which
exeveded permitted limits will be refunded to me. The Note Holder may choose to make this refiund by reducing the Puncipal Lowe
under this Note or by making a direct payment to me Ifa refund reduces Principal, the reduction will be treated as a partial
Prepayment.
6. BORROWER’ ‘Ss FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of ES calendar days after the date it is due,
I will pay a late charge to the Note Holder. ‘The amount of the charge will be 4.00% of ary overdue payment of principal and interest,
1 wall pay this late charge promptly but only once on each late payment
(B) Default
IFT do not pay the full amount of each monthly payment on the date it is due, I val be in defiant
{C) Notice of Default
If Lam in detault, the Note Holder may send me a written notice telling me that if 1 do not pay the overdue amount by a cenain
date, the Note Holder may require me to f% immediately the full amount of Principal which has not been paid and all the inte st that
1 owe on that antount, That date must be at least 3) days after the date on which the notice is mailed to me or delivered by other
means,
(D) No Waiver By Note Holder
Even if, at a time when I am in detiult, the Note Holder does not requite me to pay immediately in full as described above, the
Note Holder will stiff have the right to do so if tam in default at a later time.
(E) Payment of Note Holder's Costs and Expenses:
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid
back by me for all of its costs and expenses in enforcing this Note to the ent not prohibited by applicable flaw. ‘Those expenses
include, for example, reasonable attorneys? fe
©2020 Covius Services, LLG
FHA FLORIDA FIXED RATE NOTE (1/21/18)
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37 Gv G OF NOTIC
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering
it oF by mailing it by first class mail to me at the Property Address above or at a different address if T give the Note Holder a notice of
my different address
‘Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing a by vst class mail
to the Note Holder at the address stated in Section 4A} above or ata different address if Tam given a notice of that different address
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obfigated to keep all of the promises made in this
Note, including the promise to pay the full amount owed Any person who 1s a guarantor, surety or endorser of this Note is also
obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser
of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note
against each person individually or against all of us together ‘This means that any one of us may be required to pay all of the amounts
owed under this Note,
9, WAIVE!
I and any other person who has obligations under this Note waive the nghts of Presentment and Notice of Dishonor
“Presentment” means the right to cequire the Note Holder to demand payment of amounts due Notice of Dishonor” means the right
to require the Note Holder to give notice to other persons that amounts due have not beet paid
18, UNIFORM SE¢ URED NO’
“This Note js a uniform instrument with hnited variations in some jurisdictions. In addition to the protections given to the Note
Holder under this Note, a Mortgage, Deed of Trust, or urity Deed (the “Security Instrument”), dated the same date as this Note,
protects the Note Holder trom possible losses which might result if ! do not keep the promises which [ make in this Note. That
Security Instrument describes how and under what conditions { may be required fo make immediate payment in full of all amounts f
‘owe under this Note. Some of those conditions are described as follows
(fall of any part of the Property or any Interest in the Property 1s sold or transferred (or if Borrower is not a natural
person and a beneficial interest in Borrower is sold or transferred) without Lender's priot written consent, Lender may
require immediate payment in full of all suns secured by this Security Instrument However, this option shall not be
exercised by Lender if such exercise 1s prohibited by Applicable Law
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days trom the date the notice is given in accordance with Section 14 within which Borrower must pay all
sums secured by this $ curity Instrument, {f Borrower fatls to pay these sums prior to the expiration of this period, Lender
may invoke any remedies permatted by this Security Instrument without further notice of demand on Borrower
11. DOCUMENTARY TAX
The state documentary tax: due on this Note has been paid on the mortgage securing this indebtedness
WITNE THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
in
> _e. (Seal)
aoe, * KRYSPS PAGO
[Sign Original Only}
Lean Ori ea nization: CALIBER HOME LOANS, 0
NMLS IL
Loan Ory RAVIER PEREZ
NMLS If —
Pay to the order of
Without Recourse
Caliber renee Inc.
Jason Speljcer
Operations Support Manager
© 2026 Covius Services, LLC
FHA FLORIDA FIXED RATE NOTE (121/18)
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