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Filing # 190530592 E-Filed 01/25/2024 12:24:12 PM
FREEDOM MORTGAGE CORPORATION IN THE CIRCUIT COURT OF THE
PLAINTIFF, NINETEENTH JUDICIAL CIRCUIT,
IN AND FOR INDIAN RIVER COUNTY, FLORIDA
VS. CIVIL DIVISION
CASE NO.:
KAREY BAGROWSKI A/K/A KAREY M.
BAGROWSKI A/KIA KAREY MARIE
BAGROWSKI, UNKNOWN SPOUSE OF KAREY
BAGROWSKI A/K/A KAREY M. BAGROWSKI
A/K/A KAREY MARIE BAGROWSKI, KAREN
BAGROWSKI A/K/A KAREN M. BAGROWSKI
A/K/A KAREN MARIE BAGROWSKI, UNKNOWN
SPOUSE OF KAREN BAGROWSKI A/K/A KAREN
M. BAGROWSKI A/K/A KAREN MARIE
BAGROWSKI AND UNKNOWN TENANT IN
POSSESSION OF THE SUBJECT PROPERTY
DEFENDANTS.
NOTICE OF FILING
PLEASE TAKE NOTICE that the Plaintiff, FREEDOM MORTGAGE CORPORATION,
has filed herewith:
CERTIFICATION OF ORIGINAL NOTE
Miller, George & Suggs, PLLC
210N. University Drive, Suite 900
Coral Springs, FL 33071
Telephone: 786-268-9954
DESIGNATED PRIMARY EMAIL FOR
SERVICE PURSUANT TO FLA. R. JUD
ADMIN 2.516:
ESERVICE@MGS-LEGAL.COM
By:_/s/ Stacy Robins, Esq. 8079 for
Christine Hall
Bar No. 103732
CERTIFICATION OF POSSESSION OF ORIGINAL NOTE
The undersigned hereby certifies:
1 That plaintiffis in possession of the original promissory note, through its counsel, upon which this action is
brought.
The original promissory note was executed by KAREY BAGROWSKI AND KAREN BAGROWSKI and
payable to FREEDOM MORTGAGE CORPORATION.
The location of the original promissory note is 210 N. University Dr.. Suite. 900, Coral Springs. Florida 33071
The name and title of the person giving the certification is Siomara Lozada, FL — Administrative Assistant at
Miller. George & Suggs, PLLC, attorneys for the Plaintiff.
The name of the person who personally verified such possession is Siomara Lozada.
The time and date on which possession was verified were January 9™ .2024 1:50 P.M.
Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or assignments of the note)
are attached to this certification.
I give this statement based on my personal knowledge.
Under penalties of perjury, I declare that | have read the foregoing Certification of Possession of Original Note and that
the facts stated in it are true.
Executed on _ | 424
f) A
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24FL373-0012
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S Tele a
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Note
FL
August 66, 2018 Vero Beach
(State)
~ (Date) (City)
4865 30th Ave
Vero Beach, FL 32967
(Property Address)
$122,735.00
BORROWER'S PROMISE TO PAY. In return for a loan that I have received, I promise to pay U.S.
(this amount is called "Principal"), plus interest to the order of the Lender. The Lender is. Freedom Mortgage
Corporat ion
I will make all payments under this Note in the form of cash, check or money order.
I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled
to receive payments under this Note is called the "Note Holder."
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 4.625%.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of
this Note.
PAYMENTS
(A) Time and Place of Payments. I will 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 October 1, 2018 . I will 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 Note. Each monthly payment will be applied as of its scheduled due date and will be
applied to interest and other items in the order described in the Security Instrument before Principal. If, on
September 11, 2048 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is
called the "Maturity Date."
I will make my monthly payments at PO Box 89486, Cleveland, OH 44101-948
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. $ 631.03.
BORROWER'S RIGHT TO PREPAY. I have the right to make payments of Principal at any time before they are due. A
payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that
I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the
Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my
Prepayment to any accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the
Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my
monthly payment unless the Note Holder agrees in writing to those changes.
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LOAN CHARGES. If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that
the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a)
any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums
already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this
refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the
reduction will be treated as a partial Prepayment.
BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments. If the Note Holder has not received the full amount of any monthly payment by
the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount
of the charge will be 4.000% of my overdue payment of principal and interest. I will pay this late charge
promptly but only once on each late payment.
(8) Default. If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(c) Notice of Default. If 1 am in default, the Note Holder may send me a written notice telling me that if I do not pay the
overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal
which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on
which the notice is mailed to me or delivered by other means.
(D) No Waiver By Note Holder. Even if, at a time when | am in default, the Note Holder does not require me to pay
immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time
® Payment of Note Holder's Costs and Expenses. If the Note Holder has required me to pay immediately in full as
described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing
this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees.
GIVING OF NOTICES. Unless applicable law requires a different method, any notice that must be given to me under this
Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different
address if I give the Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class
mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that
different address.
OBLIGATIONS OF PERSONS UNDER THIS NOTE. If more than one person signs this Note, each person is fully and
personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any
person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over
these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the
promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or
against all of us together. This means that any one ofus may be required to pay all of the amounts owed under this Note.
WAIVERS. I and any other person who has obligations under this Note waive the rights of Presentment and Notice of
Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. “Notice of
Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
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10. UNIFORM SECURED NOTE. This Note is a uniform instrument with limited variations in some jurisdictions. In addition to
the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security
Instrument’), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not
keep the promises which 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:
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 this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a
period of not less than 30 days from the date the notice is given in accordance with Section 14 within which
Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to
the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without
further notice or demand on Borrower.
11. DOCUMENTARY TAX. The state documentary tax due on this Note has been paid on the mortgage securing this
indebtedness.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
Ahh, stint (Seal) tht: Giehe HS bz (Seal)
Karey Bagfowskt -Borrower Kayen Bagrowg -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Sign Original Only)
[} Refer to the attached Signature Addendum for additional parties and signatures
Loan Origination Organization: Town & Country Mortgage Services, I
NMLS ID: 23189
Loan Originator: Dawn Michelle Schweiker
NMLS ID: 230645
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Pay to the order of
without recourse this___ day of 20__
Freedom Mortgage Corporation
Stanley C. Middleman
President/Chief Executive Officer
SIGNATURE/NAME AFFIDAVIT
DATE: August 6, 2018
on:
BORROWER: Karey Bagrowski
THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW.
(This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.)
Kare: Bagrowski g
(Print or Type Name) Signatur
(If applicable, complete the following.)
1 AM ALSO KNOWN AS:
Kare Bagrowski
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(Print or Type Name) Signature’,
Kare M Bacrowski
(Print or Type Name)
Kar. Marie Bagrow. ki og tittle ssa ‘
(Print or Type Name) Signature
(Print or Type Name) Signature
and that Noy
are one
and the same person.
State/Commonwealth of (0 (24 de
County/Parish of Ty. ian Rwenr
Subscribed and sworn (affirmed) before me
this b day of Avg 2018
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County/Parish of
My Commission Expires:
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SIGNATURE/NAME AFFIDAVIT
DATE: August 6 18
on:
BORROWER: Karen Bagrowski
THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW.
(This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.)
Karen Bagr ki Kine Lager
(Print or Type Name) Signature
(If applicable, complete the following.)
| AM ALSO KNOWN AS
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(Print or Type Name) Sigyature
Karen
M Bagr k Kirn puch
(Print or Type Name) Sign ture
Karen Ma Bagrowski tk. apace li).
(Print or Type Name) Sigrlature
(Print or Type Name) Signature
and that they
are one
and the same person
State/Commonwealth of FLOR, OF
County/Parish of bacllen Rie
Subscribed and sworn (affirmed) before me
this lot day of Any 2013 '
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Filing # 190530592 E-Filed 01/25/2024 12:24:12 PM FREEDOM MORTGAGE CORPORATION IN THE CIRCUIT COURT OF THE PLAINTIFF, NINETEENTH JUDICIAL CIRCUIT, IN AND FOR INDIAN RIVER COUNTY, FLORIDA VS. CIVIL DIVISION CASE NO.: KAREY BAGROWSKI A/K/A KAREY M. BAGROWSKI A/KIA KAREY MARIE BAGROWSKI, UNKNOWN SPOUSE OF KAREY BAGROWSKI A/K/A KAREY M. BAGROWSKI A/K/A KAREY MARIE BAGROWSKI, KAREN BAGROWSKI A/K/A KAREN M. BAGROWSKI A/K/A KAREN MARIE BAGROWSKI, UNKNOWN SPOUSE OF KAREN BAGROWSKI A/K/A KAREN M. BAGROWSKI A/K/A KAREN MARIE BAGROWSKI AND UNKNOWN TENANT IN POSSESSION OF THE SUBJECT PROPERTY DEFENDANTS. NOTICE OF FILING PLEASE TAKE NOTICE that the Plaintiff, FREEDOM MORTGAGE CORPORATION, has filed herewith: CERTIFICATION OF ORIGINAL NOTE Miller, George & Suggs, PLLC 210N. University Drive, Suite 900 Coral Springs, FL 33071 Telephone: 786-268-9954 DESIGNATED PRIMARY EMAIL FOR SERVICE PURSUANT TO FLA. R. JUD ADMIN 2.516: ESERVICE@MGS-LEGAL.COM By:_/s/ Stacy Robins, Esq. 8079 for Christine Hall Bar No. 103732 CERTIFICATION OF POSSESSION OF ORIGINAL NOTE The undersigned hereby certifies: 1 That plaintiffis in possession of the original promissory note, through its counsel, upon which this action is brought. The original promissory note was executed by KAREY BAGROWSKI AND KAREN BAGROWSKI and payable to FREEDOM MORTGAGE CORPORATION. The location of the original promissory note is 210 N. University Dr.. Suite. 900, Coral Springs. Florida 33071 The name and title of the person giving the certification is Siomara Lozada, FL — Administrative Assistant at Miller. George & Suggs, PLLC, attorneys for the Plaintiff. The name of the person who personally verified such possession is Siomara Lozada. The time and date on which possession was verified were January 9™ .2024 1:50 P.M. Correct copies of the note (and, if applicable, all endorsements, transfers, allonges, or assignments of the note) are attached to this certification. I give this statement based on my personal knowledge. Under penalties of perjury, I declare that | have read the foregoing Certification of Possession of Original Note and that the facts stated in it are true. Executed on _ | 424 f) A f J walt 24FL373-0012 N S Tele a ni bi wis Note FL August 66, 2018 Vero Beach (State) ~ (Date) (City) 4865 30th Ave Vero Beach, FL 32967 (Property Address) $122,735.00 BORROWER'S PROMISE TO PAY. In return for a loan that I have received, I promise to pay U.S. (this amount is called "Principal"), plus interest to the order of the Lender. The Lender is. Freedom Mortgage Corporat ion I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 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 4.625%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. PAYMENTS (A) Time and Place of Payments. I will 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 October 1, 2018 . I will 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 Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If, on September 11, 2048 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at PO Box 89486, Cleveland, OH 44101-948 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. $ 631.03. BORROWER'S RIGHT TO PREPAY. I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to any accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. a FHA Fixed Rate Note-FL _—k———_ & 1/2015 Bankers Systems™_ VMP: vara ).00 jolters Kiuwer Financial Services of LOAN CHARGES. If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments. If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.000% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (8) Default. If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (c) Notice of Default. If 1 am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder. Even if, at a time when | am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time ® Payment of Note Holder's Costs and Expenses. If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. GIVING OF NOTICES. Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. OBLIGATIONS OF PERSONS UNDER THIS NOTE. If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one ofus may be required to pay all of the amounts owed under this Note. WAIVERS. I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. “Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. Es = FHA Fixed Rate Note-FL. Bankers Systems™ VMP@ Wolters Kluwer Financial Services sora 10. UNIFORM SECURED NOTE. This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument’), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which 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: 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 this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 11. DOCUMENTARY TAX. The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Ahh, stint (Seal) tht: Giehe HS bz (Seal) Karey Bagfowskt -Borrower Kayen Bagrowg -Borrower (Seal) (Seal) -Borrower -Borrower (Sign Original Only) [} Refer to the attached Signature Addendum for additional parties and signatures Loan Origination Organization: Town & Country Mortgage Services, I NMLS ID: 23189 Loan Originator: Dawn Michelle Schweiker NMLS ID: 230645 a FHA Fixed Rate Note-FL \VMPIR(FL) (1502).00 Bankers Systems 3 Wotters Kiawer Finanetal Sorvices Pay to the order of without recourse this___ day of 20__ Freedom Mortgage Corporation Stanley C. Middleman President/Chief Executive Officer SIGNATURE/NAME AFFIDAVIT DATE: August 6, 2018 on: BORROWER: Karey Bagrowski THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW. (This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.) Kare: Bagrowski g (Print or Type Name) Signatur (If applicable, complete the following.) 1 AM ALSO KNOWN AS: Kare Bagrowski 4 by hehe tira (Print or Type Name) Signature’, Kare M Bacrowski (Print or Type Name) Kar. Marie Bagrow. ki og tittle ssa ‘ (Print or Type Name) Signature (Print or Type Name) Signature and that Noy are one and the same person. State/Commonwealth of (0 (24 de County/Parish of Ty. ian Rwenr Subscribed and sworn (affirmed) before me this b day of Avg 2018 ia Fae, L Costs vat KIN Notary Publi in and for the State/Commonwealth of County/Parish of My Commission Expires: ZD-304 or MP MORTGAGE FORMS - (800)521-7291 3/01 SIGNATURE/NAME AFFIDAVIT DATE: August 6 18 on: BORROWER: Karen Bagrowski THIS IS TO CERTIFY THAT MY LEGAL SIGNATURE IS AS WRITTEN AND TYPED BELOW. (This signature must exactly match signatures on the Note and Mortgage or Deed of Trust.) Karen Bagr ki Kine Lager (Print or Type Name) Signature (If applicable, complete the following.) | AM ALSO KNOWN AS ren wsk Hutu ftign Ud ha (Print or Type Name) Sigyature Karen M Bagr k Kirn puch (Print or Type Name) Sign ture Karen Ma Bagrowski tk. apace li). (Print or Type Name) Sigrlature (Print or Type Name) Signature and that they are one and the same person State/Commonwealth of FLOR, OF County/Parish of bacllen Rie Subscribed and sworn (affirmed) before me this lot day of Any 2013 ' [/ TA ta tey Ken Note ida Notary Public in and for J miss the State/Commonwealth of My Com County/Parish of My Commission Expires ZD-304 (0103/ MP MORTGAGE FORMS - (800)521-7291 3/01