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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
STATE OF MINNESOTA DISTRICT COURT
COUNTY OF HENNEPIN FOURTH JUDICIAL DISTRICT
PHH Mortgage Corporation, successor by merger
to Ocwen Loan Servicing, LLC, Court File No. __________
Case Type 14 - Other Civil
Plaintiff, Mortgage Foreclosure By Action
vs. COMPLAINT
Richard Graham, and all other persons unknown
claiming any right, title, estate, interest or lien in
the real estate described in the complaint herein,
John Doe, Mary Roe,
Defendant(s).
Plaintiff, for its cause of action against Defendants, states and alleges as follows:
1. The following parties have the following interest in the property:
(a) That Plaintiff PHH Mortgage Corporation, successor by merger to Ocwen Loan
Servicing, LLC, is the holder of the mortgage described herein;
(b) Defendant Richard Graham is the mortgagor(s) described herein and may reside at
2713 Louisiana Ave S, St Louis Park, MN 55426;
(c) John Doe and Mary Roe, whose identities are not yet known may have an interest and
may occupy the subject property.
BACKGROUND
2. That by Warranty Deed dated February 1, 2005, and recorded March 28, 2005 as
Document No. 8551485 with the Hennepin County Recorder, Richard Graham acquired title to that
certain real estate located in Hennepin County, commonly referred to as 2713 Louisiana Ave S, St Louis
Park, MN 55426, legally described as follows:
Page 1 of 4 MN11057
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
Lots 27 and 28, Block 6, The Bronx, Hennepin County, Minnesota
(hereinafter “Subject Property”).
3. Richard Graham executed Promissory Note (Note) dated March 26, 2008 in the original
principal sum of $268,467.00, which Note was negotiated to Ace Mortgage Funding, Inc. A copy of the
Note is attached hereto as Exhibit A.
4. To secure the Note, Richard Graham, an unmarried man executed and delivered a first
mortgage (Mortgage) to Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for
Ace Mortgage Funding, Inc., its successors and assigns, as mortgagee, dated March 26, 2008, and
recorded on April 1, 2008, in the Office of the Hennepin County Recorder as Document No. 9116043. A
copy of the Mortgage is attached hereto as Exhibit B.
5. The Mortgage was assigned as follows: To Ocwen Loan Servicing, LLC, by an
Assignment of Mortgage (Assignment) dated March 31, 2016, and recorded on April 12, 2016, in the
Office of the Hennepin County Recorder as Document No. A10301957. That PHH Mortgage Corporation
is the successor by merger to Ocwen Loan Servicing, LLC. A copy of the Assignment is attached hereto
as Exhibit C.
COUNT I
FORECLOSURE BY ACTION
6. Plaintiff restates and re-alleges the preceding paragraphs as if fully set forth herein.
7. The Mortgage provides that, upon default in the terms and conditions of the Mortgage, or
the Note, the mortgagee, its successors and assigns may declare the entire sum secured by said Mortgage
immediately due and payable.
8. Defendant Richard Graham is in default under the Mortgage by reason of failure to make
monthly mortgage payments due September 1, 2023 and on the 1st day of each and every month
Page 2 of 4 MN11057
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
thereafter to date.
9. Based upon the acceleration clause contained in the Mortgage, Plaintiff hereby elects to
declare the total amount of principal and interest outstanding on said Mortgage immediately due and
payable. The outstanding principal balance is $187,530.53.
10. Plaintiff has complied with all conditions precedent to foreclosure and/or acceleration of
the indebtedness of the subject Mortgage and all notice requirements of the statutes and/or the subject
Mortgage.
11. No other action or proceeding at law or in equity has been commenced for the collection
of the debt secured by the Mortgage or any part thereof.
WHEREFORE, Plaintiff requests the following relief:
1. An order for a foreclosure judgment in favor of the Plaintiff and against Defendant
Richard Graham for the principal sum of $187,530.53 plus interest, costs and disbursements, and
including reasonable attorneys’ fees as allowed by law and in such amount as the Court shall determine.
2. An order granting Plaintiff a Decree of Mortgage Foreclosure of the Mortgage described
herein to satisfy said judgment.
3. An order for judgment in favor of Plaintiff and against Richard Graham for any deficiency
existing after the sale of the above described premises.
4. An order directing that the premises described herein be sold by the Sheriff of Hennepin
County in the manner provided by law on execution sale of real estate and the proceeds of said sale be
applied, first, to the payment of costs and disbursements of said sale, and second, on the principal of said
judgment, and providing that the purchaser at said sale, or its successors or assigns be declared the
absolute owner of said premises at said sale, subject only to the right of redemption.
5. That the lien of the Mortgage is prior, paramount and superior to all other liens or interest
Page 3 of 4 MN11057
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
on, in or against the Subject Property, and barring and foreclosing all Defendants from any equity of
redemption, equity, lien or interest in the Subject Property, except the right to redeem from said
foreclosure sale as provided by statute.
6. An order granting such other relief as the Court deems just and equitable.
HALLIDAY, WATKINS & MANN, P.C.
Date: March 27, 2024 /s/ Michael V. Schleisman
Michael V. Schleisman
Attorney ID # 0394992
michael@hwmlawfirm.com
1333 Northland Drive, Suite 205
Mendota Heights, MN 55120
801-355-2886
Attorney for Plaintiff
ACKNOWLEDGMENT
The undersigned hereby acknowledges that sanctions may be awarded pursuant to Minn. Stat.
§549.211, subdivision 3, to the party against whom the allegations in this pleading are asserted.
/s/ Michael V. Schleisman
Michael V. Schleisman
Page 4 of 4 MN11057
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
EXHIBIT A
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3/27/2024 3:39 PM
State of Minnesota
Filed in District Court
27-CV-24-4627
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
EXHIBIT B
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
Doc No 9116043 04/01/2008 04:12 PM
Certified filed and or recorded on above date:
Office ofithe County Recorder
Hennepin County. Minnesota
Michael H. Cunniff, County Recorder
TralslD 385088 Deputy 11
Fees
$5.00 ConsFee
$35.50 DOC
$10.50 SUR
$51.00 Total
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
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27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
Snowman. WI Oouutyu:
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byRIOl-IIRDORAHM a «naeL W\WL ab
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ITEM 27121] (nunm (Page "WW roommz1msa.sns
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
EXHIBIT C
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
Doc No A10301957
Certified, filed and/or recorded on
Apr 12, 2016 8:00 AM
Office of the County Recorder
Hennepin County, Minnesota
Martin McCormick, County Recorder
Mark Chapin, County Auditor and Treasurer
Deputy 1 Pkg ID 1375063E
Document Recording Fee $46.00
Document Total $46.00
This cover sheet is now a permanent part of the recorded document.
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
RA A IN
Hennepin, Minnesota
SELLER'S SERVICING "GRAHAM"
SELLER'S LENDER ma;
ow SERVICING_ #:
MIN m SIS s: 1-3334795371
Date ot Assignment: March 7th, 2016
Assignor: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS. INC. C'MERS'). SOLELY AS NOMINEE FOR
ACE MORTGAGE FUNDING, INC. ITS SUCCESSORS AND/OR ASSIGNS at PO BOX 2026 FLINT Ml 48501. 1901
E VOORHEES ST. STE C. DANVILLE. IL 61834
Assignee: OCWEN LOAN SERVICING, LLC at 1661 WORTHINGTON ROAD. STE 100, WEST PALM BEACH. FL
.
33409
Executed By: RICHARD GRAHAM. AN UNMARRIED MAN To: MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS. INC. ("MERS"). SOLELY AS NOMINEE FOR. ACE MORTGAGE FUNDING. INC.. ITS SUCCESSORS
AND/OR ASSIGNS
Date of Mortgage: 03/26/2008 Recorded: 04I0112008 in BooklReeI/Liber: NIA Page/Folio: NIA as Instrument No.:
9116043 In the County of Henneph. State of Minnesota.
Property Address: 2713 LOUISIANA AVENUE SOUTH. ST. LOUIS PARK. MN 55426
KNOW ALL MEN BY THESE PRESENTS. that for good and valuable consideration. the receipt and sufficiency of
which is hereby acknowledged, the said Assignor hereby assigns unto the above-named Assignee. the said
Mortgage having an original principal sum of $268,467.00 with interest. secured thereby. and the full benefit of all the
powers and or all the covenants and provisos therein contained. and the said Assignor hereby grants and conveys
unto the said Assignee. the Assignor's interest under the Mortgage,
TO HAVE AND TO HOLD the said Mortgage. and the said property unto the said Assignee forever. subject to the
terms contained In said Mortgage.
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS. INC. ("MERS"). SOLELY AS NOMINEE FOR ACE
INC. ITS SUCCESSORS AND/0R ASSIGNS
MORfiifiC'aEfilfi'DING.
On 1}
Vim
m | mum ,Assistan!
..
Secretary
27-CV-24-4627
Filed in District Court
State of Minnesota
3/27/2024 3:39 PM
CORPORATE ASSIGNMENT OF MORTGAGE Page 2 of 2
STATE OF Pmlvania
COUNTY OF New
On MAR
,
1 23'2" befpre me, meme a Notary Public in and in
"a Atkinson
. _
the State of , personally appeared | foMonffilamgm
Assistant Secreta of
,
MORTGAGE ELEC RONIC REGISTRATION SYSTEMS. INC.
("MERS"), SOLELY AS NOMINEE FOR ACE
MORTGAGE FUNDING. INC. ITS SUCCESSOR 0R ASSIGNS PO BOX 2026 FLINT MI 48501. 1901 E
VOORHEES ST. STE C, DANVILLE, IL 61834 rsonally Known to me Io? roved to me on the basis of satisfactOI'y
evidence) to be the person(s) whose name(s) is/are su scn "ed to the n instrument and acknowtedged to me
that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the
Instrument the person(s), or the entity upon behalf of which the person(s) acted. executed the instrument.
WITNESS my hand and oflicial seal. connomEAL'm OF PENNSYLVANIA
' NOTARIAL SEAL
W\
e _
GLL Upper mm Twp.
8
WM
"Newman", 3m W' Eat Expires ouoerzozo
Notary Expires: / 8
I (WAC (This area for notarial seal)
Prepared By: Amber R WIIson, OCWEN LOAN SERVICING. LLC 240 TECHNOLOGY DRIVE, IDAHO FALLS, ID 83401
300-766-4622
When Recorded Return To: OCWEN LOAN SERVICING. LLC 240 TECHNOLOGY DRIVE, IDAHO FALLS, ID
83401