Preview
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024
Exhibit A
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024
CONSOUDATED NOTE
MIN: Loan Number:
This Note amends and restates in their entirety, and is given in substitution for,
the Notes described in Exhibit A of the New York Consolidation, Extension,
and Modification Agreement dated the same date as this Note.
MARCH 21, 2017 ISELIN .NEW JERSEY
(Date] [City] [State]
61 BILLQP AVE, STATEN ISLAND, NEW YORK 10307
[PropertyAddress]
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U.S. S 636, 000.00 (this amount is
called "Principal"), plus interest to the order of the Lender. The Lender is HOMEBRIDGE FINANCIAL
SERVICES, INC. DBA REAL ESTATE MORTGAGE NETWORK, A CORPORATION .
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
Holder."
who is entitled to receive payments under this Note is called the "Note
2, 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 3. 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.
3. 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 1st
day of each month beginning on MAY 1
2017 . 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 APRIL 1, 2047 , 1 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 194 WOOD AVENUE SOUTH, 9TH FLOOR,
ISESLIN, NEW JERSEY 08830
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. $ 2,900.49 .
NEW YORK FHA CONSOLIDATED FlXED RATE NOTE DocMagic£Fergoes
NYFHAC.NOT 03/o2/16 Page 1 of 4 www.docmagic.com
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024
4. 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
"Prepayment."
known as a 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.
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is fmally 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 wiII 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 Prepaynient,
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the thlI 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 % the overdue payment of Principal and Interest (P&I), I will pay this late charge promptly but
only once on each late payment.
(B) 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 I 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 ofPrincipal which bas
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 I 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,
(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 extent not prohibited
by
applicable law. Those expenses include, for example, reasonable attorneys' fees.
7. GMNG 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 giventy delivering it or by mailing
it by first class mail to the Note Holder at the address stated in Section above or at a different address if I am
3(A)
given a notice of that different address,
NEW YORK FHA CONSOUDATED FLXED RATE NOTE
DocMagic ERMDDE
NYFHAC.NOT 03/02/16 Page 2 of 4 www.docmagic.com
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024
8. 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 tó 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. WAlVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of
"Presentment"
Dishonor, 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.
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections
given under this Note,
to the Note Holder 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 Imay be
required to make immediate payment in full of all amounts I owe under this Note. Some of those conditioils 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 this option, Lender shall give Borrower
exercises 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 15
within which Borrower must pay all sums secured by this Security Instrument. If Barrower fails to pay
these sums prior to the expiration of this period, Leader may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
[REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]
NEW YORK FHA CONSOLIDATED F1XED RATE NOTE
NYFHAC.NOT 03/02/16 DocMagic GFegsaam
Page 3 of 4 www.docmagic.com
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
(Seal) (Seal)
ANTHONY GRAZIANO -Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
[Sign Original Only)
Loan Originator: JOHNY JACK RUKAB, NMLSR ID 53393
Loan Originator Organization: TRISTAR MORTGAGE CORP., NMLSR ID
162734
. .
Without Reconne, Pay h The Order OA
HomeBridge Fmancial Services,Inc.
D/B/A RealEstate)Mortgage Network
.
Janine Frato, Assistant Secretary
NEW YORK FHA CONSOUDATED F1XED RATE NOTE
NYFHAC.NOT 03/02/16 DocMagic Gemas
Page 4 of 4 www.docmagic.com
Preview
FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024 Exhibit A FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024 CONSOUDATED NOTE MIN: Loan Number: This Note amends and restates in their entirety, and is given in substitution for, the Notes described in Exhibit A of the New York Consolidation, Extension, and Modification Agreement dated the same date as this Note. MARCH 21, 2017 ISELIN .NEW JERSEY (Date] [City] [State] 61 BILLQP AVE, STATEN ISLAND, NEW YORK 10307 [PropertyAddress] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. S 636, 000.00 (this amount is called "Principal"), plus interest to the order of the Lender. The Lender is HOMEBRIDGE FINANCIAL SERVICES, INC. DBA REAL ESTATE MORTGAGE NETWORK, A CORPORATION . 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 Holder." who is entitled to receive payments under this Note is called the "Note 2, 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 3. 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. 3. 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 1st day of each month beginning on MAY 1 2017 . 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 APRIL 1, 2047 , 1 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 194 WOOD AVENUE SOUTH, 9TH FLOOR, ISESLIN, NEW JERSEY 08830 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. $ 2,900.49 . NEW YORK FHA CONSOLIDATED FlXED RATE NOTE DocMagic£Fergoes NYFHAC.NOT 03/o2/16 Page 1 of 4 www.docmagic.com FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024 4. 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 "Prepayment." known as a 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. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is fmally 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 wiII 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 Prepaynient, 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the thlI 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 % the overdue payment of Principal and Interest (P&I), I will pay this late charge promptly but only once on each late payment. (B) 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 I 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 ofPrincipal which bas 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 I 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, (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 extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GMNG 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 giventy delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section above or at a different address if I am 3(A) given a notice of that different address, NEW YORK FHA CONSOUDATED FLXED RATE NOTE DocMagic ERMDDE NYFHAC.NOT 03/02/16 Page 2 of 4 www.docmagic.com FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024 8. 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 tó 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. WAlVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of "Presentment" Dishonor, 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. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given under this Note, to the Note Holder 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 Imay be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditioils 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 this option, Lender shall give Borrower exercises 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 15 within which Borrower must pay all sums secured by this Security Instrument. If Barrower fails to pay these sums prior to the expiration of this period, Leader may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK] NEW YORK FHA CONSOLIDATED F1XED RATE NOTE NYFHAC.NOT 03/02/16 DocMagic GFegsaam Page 3 of 4 www.docmagic.com FILED: RICHMOND COUNTY CLERK 04/22/2024 11:46 AM INDEX NO. 135191/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/22/2024 WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. (Seal) (Seal) ANTHONY GRAZIANO -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower [Sign Original Only) Loan Originator: JOHNY JACK RUKAB, NMLSR ID 53393 Loan Originator Organization: TRISTAR MORTGAGE CORP., NMLSR ID 162734 . . Without Reconne, Pay h The Order OA HomeBridge Fmancial Services,Inc. D/B/A RealEstate)Mortgage Network . Janine Frato, Assistant Secretary NEW YORK FHA CONSOUDATED F1XED RATE NOTE NYFHAC.NOT 03/02/16 DocMagic Gemas Page 4 of 4 www.docmagic.com