Preview
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
EXHIBIT F
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
60 I N S TR# : M2017-3579 12 /13 /2017 MORT GAGE Image: 1 o f 21
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
. GREENE COUNTY - STATE OF NEW YORK
MARILYNFARRELL COUNTYCLERK
411MAINSTREETCATSKILL,NEWYORK12414
COUNTYCLERK'SRECORDINGPAGE
DOCUMENT-DONOTDETACH***
***THISPAGEISPARTOPTHE
Recording:
cover Page 5.00
Recordi ng Fee 120.00
I I 1111111 1111 1111111
cultural Ed 14.25
Records Management - Coun 1.00
Records Management - Stat 4.75
INSTRUMENT #: M2017-3579 Sub Total : 145.00
Receipt#: 20170052435 Mortgage Tax
Clerk: MF Basic 79.00
-
Rec Date: 12/13/2017 09:59: 47 AM Additional 0.00 -
Doc Grp: M Special Additional 39.50
Descrip: MORTGAGE Local 79.00
Num Pgs: 21
Rec 'd Frm: EXCALIBUR/FRONTIER sub Total : 197.50
Party1: MOVROYDIS 305EPH C
Party2: GOSHEN MORTGAGE LLC TRUSTEE Total : BILL' 342.50
**** NOTICE: THIS IS ****
GDBT I TRUST 2011-1 NOT A
Town: CAIRO
***** Mortgage Tax *****
Serial #: DI-1079
1-2 Famil y Home
Mtg Amt: 15791.66
Basic 79.00
Special Additional 39.50
Local 79.00
Total : 197.50
THIS PAGE CONSTITUTES THE CIERK'S
ENDORSEMENT, REQUIRED BY SECTION 316-a
(5) & 319 OF THE REAL PROPERTY LAW OF
THE STATE OF NEW YORK.
Record and Return To:
Marilyn Farrell
FRONTIER ABSTRACT AND RESEARCH SERVI
69 CASCADE DR STE 101
ROCHESTER, NY 14614
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
60 INSTR#: M2017-3579 12/13/2017 MORTGAGE Ima ge: 2 of 21
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
After Recording Return To:
[Space Above This Line For Recording Datal
MORTGAGE
WORDS USED OFTEN IN THIS DOCUMENT
Instrument."
(A) "Security This document, which is dated OCTOBER /3 ,
Instrument."
2017, together with all Riders to this document, will be called the "Security
"Borrower."
JOSEPH C. MOVROYDIS , whose address is 98 LINCOLN DRIVE
SOUTH1 CAIRO, NEW YORK 12413 sometimes will be
"Borrower" "f" "me."
called and sometimes simply or
"Lender." 2011-
GOSHEN MORTGAGE, LLC as Separate Trustee for GDBT I TRUST
"Lender."
L will be called Lender is a Trust which exists under the laws of the state of
DELAWARE. Lender's address is _411 West Putnam Avenue, Suite 125, Greenwich, CT
06830.
"Note."
The note signed by Barrower and dated OCTOBER /3 _, 2017, will be called
"Note."
the The Note shows that I owe Iznder FIFTEEN THOUSAND SEVEN
HUNDRED NINETY ONE AND 66/100 Dollars (U.S. $15,791.66) plus interest and other
amounts that may be payable. I have promised to pay this debt in Periodic Payments and to pay
the debt in full by SEPTEMBER 1, 2047 .
"Property."
(B) The property that is described below in the section titled "Description of the
Property," "Property."
will be called the
"Loan." "Loan"
(C) The means the debt evidenced by the Note, plus interest, any
prepayment charges and late charges due under the Note, and all sums due under this Security
Instrument, plus interest.
Secured."
(D) "Sums The amounts described below in the section titled "Borrower's
Property" Secured."
Tansfer to Lender of Rights in the sometimes will be called the "Sums
NEW YoRK-Single Family-Fannit Mac/Freddie Mac IIN1FoRM INsTRUMENT Form 30. - I Nn (puge 1of 19pages)
FILED: GREENE COUNTY CLERK 03/22/2024 : 02:25 PM INDEX NO. EF2024-243
60 INSTR#: /13/2017
M2017-3579 of 21 12 MORTGAGE Image 3
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
"Riders." are Borrower
(E) All Riders attached to this Security Instrument that signed by
"Riders."
will be called The following Riders are to be signed by Borrower [check box as
applicable):
O Adjustable Rate Rider O Condominium Rider O Second Home Rider
O Balloon Rider O Planned Unit Development Rider O Other(s) [specify]
O 1-4 Family Rider O Biweekly Payment Rider
Law." and
(1) "Applicable AII controlling applicable federal, state local statutes,
regulations, ordinances and administrative rules and orders (that have the effect of law) as well as
Law."
all applicable final, non-appealable, judicial opinions will be called "Applicable
Assessments."
(J) "Community Association Dues, Fees, and All dues, fees, assessments,
and other charges that are imposed on Borrower or the Property by a condominium association,
homeowners association or similar organization will be called "Community Association Dues,
Assessments."
Fees, and
Transfer." Transfer"
(K) "Electronic Funds "Electronic Funds means any transfer of
money, other than by check, draft, or similar paper instrument, which is initiated through an
electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
authorize a financial institution to debit or credit an account. Some common examples of an
Electronic Funds Transfer are point-of-sale transfers (where a card such as an asset or debit card
is used at a merchant), automated teller machine (or ATM) transactions, transfers initiated by
telephone, wire transfers, and automated clearinghouse transfers.
Items."
(L) "Escrow Those items that are described in Section 3 will be called "Escrow
Items."
Proceeds." Proceeds"
(M) "Miscellaneous "Miscellaneous means any compensation,
settlement, award of damages, or proceeds paid by any third party (other than Insurance
Proceeds, as defined in, and paid under the coverage described in, Section 5) for: (i) damage to,
or destruction of, the Property; (ii) Condemnation or other taking of all or any part of the
Property; (iii) conveyance in lieu of Condemnation or sale to avoid Condemnation; or (iv)
misrepresentations of, or omissions as to, the value and/or condition of the Property. A taking of
"Condemnation."
the Property by any governmental authority by eminent domain is known as
Insurance." Insurance"
(N) "Mortgage "Mortgage means insurance protecting Leader
against the nonpayment of, or default on, the Loan.
Payment."
(0) "Periodic The regularly scheduled amount due for (i) principal and interest
Payment."
under the Note, and (ii) any amounts under Section 3 will be called "Periodic
. "RESPA." "RESPA"
(P) means the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be
amended from time to time, or any additional or successor legislation or regulation that governs
the same subject "RESPA"
matter. As used in this Security Instrument, refers to all requirements
loan"
and restrictions that are imposed in regard to a "federally related mortgage even if the Loan
loan"
does not qualify as a "federally related mortgage under RESPA.
NEW YoRK-GingIt famHy-Fannit Mac/Freddle Mac UNIFORM INSTRUMENT Form 3033 1/01 (page2 of 19pages)
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
60 INSTR#: M2017-3579 12/13/2017 MORTGAGE Image: 4 of 21
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY
I mortgage, grant and convey the Property to Lender subject to the terms of this Security
Instrument. This means that, by signing this Security Instrument, I am giving Lender those rights
that are stated in this Security Instrument and also those rights that Applicable Law gives to
. lenders who hold mortgages on real property. I am giving Lender these rights to protect Lender
from possible losses that might result if I fail to:
(A) Pay all the amounts that I owe Lender as stated in the Note including, but not
limited to, all renewals, extensions and modifications of the Note;
(B) Pay, with interest, any amounts that Lender spends under this Security Instrument
to protect the value of the Property and Lender's rights in the Property; and
(C) Keep all of my other pmmises and agreements under this Security Instrument and
the Note.
DESCRIPTION OF THE PROPERTY
I give Lender rights in the Property described in (A) through (G) below: .
(A) The Property which is located at 98 LINCOLN DRIVE SOUTH, &
LINCOLN PARKWAY SOUTH
{Street]
CAIRO , New York 12413 .
[City, Town or Village] [Zip Code]
This Property is in GREENE County. It has
the following legal description:
SECTION: 83.4; BLOCK 4; LOTS 23 & 24
SEE SCHEDULE A ATTACHED HERETO
(B) All buildings and other improvements that are [ocated on the Property described
in subsection (A) of this section;
(C) AH rights in other property that I have as owner of the Property described in
subsection (A) of this section. These rights are known as "easements and appurtenances
Property;"
attached to the
(D) All rights that I have in the land which lies in the streets or roads in front of, or
nextto, the Property described in subsection (A) of this section;
(E) All fixtures that are now or in the future will be on the Property described in
subsections (A) and (B) of this section;
(F) All of the rights and p operty described in subsections (B) through (E) of this
section that I acquire in the future; and
(G) All replacements of or additions to the Property described in subsections (B)
through (F) of this section and all Insurance Proceeds for loss or damage to, and all
Miscellaneous Proceeds of the Property described in subsections (A) through (F) of this
section.
NEW VORK-5inple Family-F4anie Mae/Freddic Mac UNLFORM INSTA0MENT Ferni 30% 1/G2 (page3 of l9 pages)
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
60 I NS TR#: M2017-3579 12/13/2017 MORTGAGE Image: 5 of 21
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
.
. .
BORROWER'S RIGHT TO MORTGAGE THE PROPERTY , AND BORROWER'S
OBLIGATION TO DEFEND OWNERSHIP OF THE PROPERTY
I promise that: I lawfully own the Property; (B) I have the right to mortgage, grant and
(A)
the to Lender; and (C) there are no outstanding elaims or charges against the
convey Property
Property, except for those which are of public record.
I give a general of title to Lender. This means that I will be fully responsible for any
warranty
losses which Lender suffers because someone other than myself has some of the rights in the
Property which I promise that I have. I promise that I will defend my ownership of the Property
against any claims of such rights.
PLAIN LANGUAGE SECURITY INSTRUMENT
This Security Instrument contains promises and agreements that are used in real property security
instruments all over the country. It also contains other promises and agreements that vary in
language."
different parts of the country. My promises and agreements are stated in "plain
COVENANTS
I promise and I agree with Lender as follows:
1. Borrower's Promise to Pay. I will pay to Lender on time principal and interest
due under the Note and any prepayment, late charges and other amounts due under the Note. I
will also pay all amounts for Escrow Items under Section 3 of this Security Instrument.
Payments due under the Note and this Security Instrument shall be made in U.S. currency.
If any of my payments by check or other payment instrument is returned to Lender unpaid,
Lender may require my payment be made by: (a) cash; (b) money order; (c) certified check, bank
check, treasurer's check or cashier's check, drawn upon an institution whose deposits are insured
by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location required in the
Note, or at another location designated by Lender under Section 15 of this Security Instrument.
Lender may retum or accept any payment or partial payment if it is for an amount that is less than
the amount that is then due. If Lender accepts a lesser payment, Lender may refuse to accept a
lesser payment that I may make in the future and does not waive any of its rights. Lender is not
obligated to apply such lesser payments when it accepts such payments. If interest on principal
accrues as if all Periodic Payments had been paid when due, then Lender need not pay interest on
unapplied funds. Lender may hold such unapplied funds until I make payments to bring the Loan
current. If I do not do so within a reasonable period of time, Lender will either apply such funds
or retum them to me. In the event of foreclosure, any unapplied funds will be applied to the
outstanding principal balance immediately prior to foreclosure. No offset or claim which I might
have now or in the future against Lender will relieve me from making payments due under the
Note and this Security Instrument or keeping all of my other promises and agreements secured by
this Security Instrument.
NEW YoRK-Single Famdy-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30.U I/DI (page4 of I9 pages)
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243
60 INSTR#: M2017-357 9 12/13/2017 MORTGAGE Image: 6 of 21
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024
. .
2. Application of Borrower's Payments and Insurance Proceeds. Unless
Applicable Law or this Section 2 requires otherwise, Lender will apply each of my payments that
Lender accepts in the following order
. First, to pay interest due under the Note;
Next, to pay principal due under the Note; and
Next, to pay the amounts due Lender under Section 3 of this Security Instrument.
Such payments will be applied to each Periodic Payment in the order in which it became due.
Any mmaining amounts will be applied as follows:
First, to pay any late charges;
Next, to pay any other amounts due under this Security Instrument; and
Next, to reduce the principal balance of the Note.
If Lender receives a payment from me for a late Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the late Periodic
Payment and the late charge. If more than one Periodic Payment is due, Lender may apply any
payment received from me: First, to the repayment of the Periodic Payments that are due if, and
to the extent that, each payment can be paid in full; Next, to the extent that any excess exists aller
the payment is applied to the full payment of one or more Periodic Payments, such excess may be
applied to any late charges due.
Voluntary prepayments will be applied as follows: First, to any prepayment charges; and
Next, as described in the Note.
Any application of payments, Insurance Proceeds, or Miscellaneous Proceeds to principal
due under the Note will not extend or postpone the due date of the Periodic Payments or change
. the amount of those payments.
3. Monthly Payments For Taxes And Insurance.
(a) Borrower's Obligations. I will pay to Lender all amounts necessary to pay for
taxes, assessments, water charges, sewer rents and other similar charges, ground leasehold
payments or rents (if any), hazard or property insurance covering the Property, flood insurance (if
any), and any required Mortgage Insurance, or a Loss Reserve as described in Section 10 in the
place of Mortgage Insurance. Each Periodic Payment will include an amount to be applied
Items:"
toward payment of the following items which are called "Escrow
(1) The taxes, assessments, water charges, sewer rents and other similar charges, on
the Property which under Applicable Law may be superior to this Security Instrument as a
Lien on the Property. Any claim, demand or charge that is made against property because
"Lien;"
an obligation has not been fulfilled is known as a
(2) The leasehold payments or ground rents on the Property (if any);
(3) The premium for any and all insurance required by Lender under Section 5 of this
Security Instrument;
(4) The premium for Mortgage Insurance (if any);
(5)
Preview
FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 EXHIBIT F FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 60 I N S TR# : M2017-3579 12 /13 /2017 MORT GAGE Image: 1 o f 21 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 . GREENE COUNTY - STATE OF NEW YORK MARILYNFARRELL COUNTYCLERK 411MAINSTREETCATSKILL,NEWYORK12414 COUNTYCLERK'SRECORDINGPAGE DOCUMENT-DONOTDETACH*** ***THISPAGEISPARTOPTHE Recording: cover Page 5.00 Recordi ng Fee 120.00 I I 1111111 1111 1111111 cultural Ed 14.25 Records Management - Coun 1.00 Records Management - Stat 4.75 INSTRUMENT #: M2017-3579 Sub Total : 145.00 Receipt#: 20170052435 Mortgage Tax Clerk: MF Basic 79.00 - Rec Date: 12/13/2017 09:59: 47 AM Additional 0.00 - Doc Grp: M Special Additional 39.50 Descrip: MORTGAGE Local 79.00 Num Pgs: 21 Rec 'd Frm: EXCALIBUR/FRONTIER sub Total : 197.50 Party1: MOVROYDIS 305EPH C Party2: GOSHEN MORTGAGE LLC TRUSTEE Total : BILL' 342.50 **** NOTICE: THIS IS **** GDBT I TRUST 2011-1 NOT A Town: CAIRO ***** Mortgage Tax ***** Serial #: DI-1079 1-2 Famil y Home Mtg Amt: 15791.66 Basic 79.00 Special Additional 39.50 Local 79.00 Total : 197.50 THIS PAGE CONSTITUTES THE CIERK'S ENDORSEMENT, REQUIRED BY SECTION 316-a (5) & 319 OF THE REAL PROPERTY LAW OF THE STATE OF NEW YORK. Record and Return To: Marilyn Farrell FRONTIER ABSTRACT AND RESEARCH SERVI 69 CASCADE DR STE 101 ROCHESTER, NY 14614 FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 60 INSTR#: M2017-3579 12/13/2017 MORTGAGE Ima ge: 2 of 21 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 After Recording Return To: [Space Above This Line For Recording Datal MORTGAGE WORDS USED OFTEN IN THIS DOCUMENT Instrument." (A) "Security This document, which is dated OCTOBER /3 , Instrument." 2017, together with all Riders to this document, will be called the "Security "Borrower." JOSEPH C. MOVROYDIS , whose address is 98 LINCOLN DRIVE SOUTH1 CAIRO, NEW YORK 12413 sometimes will be "Borrower" "f" "me." called and sometimes simply or "Lender." 2011- GOSHEN MORTGAGE, LLC as Separate Trustee for GDBT I TRUST "Lender." L will be called Lender is a Trust which exists under the laws of the state of DELAWARE. Lender's address is _411 West Putnam Avenue, Suite 125, Greenwich, CT 06830. "Note." The note signed by Barrower and dated OCTOBER /3 _, 2017, will be called "Note." the The Note shows that I owe Iznder FIFTEEN THOUSAND SEVEN HUNDRED NINETY ONE AND 66/100 Dollars (U.S. $15,791.66) plus interest and other amounts that may be payable. I have promised to pay this debt in Periodic Payments and to pay the debt in full by SEPTEMBER 1, 2047 . "Property." (B) The property that is described below in the section titled "Description of the Property," "Property." will be called the "Loan." "Loan" (C) The means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. Secured." (D) "Sums The amounts described below in the section titled "Borrower's Property" Secured." Tansfer to Lender of Rights in the sometimes will be called the "Sums NEW YoRK-Single Family-Fannit Mac/Freddie Mac IIN1FoRM INsTRUMENT Form 30. - I Nn (puge 1of 19pages) FILED: GREENE COUNTY CLERK 03/22/2024 : 02:25 PM INDEX NO. EF2024-243 60 INSTR#: /13/2017 M2017-3579 of 21 12 MORTGAGE Image 3 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 "Riders." are Borrower (E) All Riders attached to this Security Instrument that signed by "Riders." will be called The following Riders are to be signed by Borrower [check box as applicable): O Adjustable Rate Rider O Condominium Rider O Second Home Rider O Balloon Rider O Planned Unit Development Rider O Other(s) [specify] O 1-4 Family Rider O Biweekly Payment Rider Law." and (1) "Applicable AII controlling applicable federal, state local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as Law." all applicable final, non-appealable, judicial opinions will be called "Applicable Assessments." (J) "Community Association Dues, Fees, and All dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization will be called "Community Association Dues, Assessments." Fees, and Transfer." Transfer" (K) "Electronic Funds "Electronic Funds means any transfer of money, other than by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Some common examples of an Electronic Funds Transfer are point-of-sale transfers (where a card such as an asset or debit card is used at a merchant), automated teller machine (or ATM) transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. Items." (L) "Escrow Those items that are described in Section 3 will be called "Escrow Items." Proceeds." Proceeds" (M) "Miscellaneous "Miscellaneous means any compensation, settlement, award of damages, or proceeds paid by any third party (other than Insurance Proceeds, as defined in, and paid under the coverage described in, Section 5) for: (i) damage to, or destruction of, the Property; (ii) Condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of Condemnation or sale to avoid Condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. A taking of "Condemnation." the Property by any governmental authority by eminent domain is known as Insurance." Insurance" (N) "Mortgage "Mortgage means insurance protecting Leader against the nonpayment of, or default on, the Loan. Payment." (0) "Periodic The regularly scheduled amount due for (i) principal and interest Payment." under the Note, and (ii) any amounts under Section 3 will be called "Periodic . "RESPA." "RESPA" (P) means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject "RESPA" matter. As used in this Security Instrument, refers to all requirements loan" and restrictions that are imposed in regard to a "federally related mortgage even if the Loan loan" does not qualify as a "federally related mortgage under RESPA. NEW YoRK-GingIt famHy-Fannit Mac/Freddle Mac UNIFORM INSTRUMENT Form 3033 1/01 (page2 of 19pages) FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 60 INSTR#: M2017-3579 12/13/2017 MORTGAGE Image: 4 of 21 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY I mortgage, grant and convey the Property to Lender subject to the terms of this Security Instrument. This means that, by signing this Security Instrument, I am giving Lender those rights that are stated in this Security Instrument and also those rights that Applicable Law gives to . lenders who hold mortgages on real property. I am giving Lender these rights to protect Lender from possible losses that might result if I fail to: (A) Pay all the amounts that I owe Lender as stated in the Note including, but not limited to, all renewals, extensions and modifications of the Note; (B) Pay, with interest, any amounts that Lender spends under this Security Instrument to protect the value of the Property and Lender's rights in the Property; and (C) Keep all of my other pmmises and agreements under this Security Instrument and the Note. DESCRIPTION OF THE PROPERTY I give Lender rights in the Property described in (A) through (G) below: . (A) The Property which is located at 98 LINCOLN DRIVE SOUTH, & LINCOLN PARKWAY SOUTH {Street] CAIRO , New York 12413 . [City, Town or Village] [Zip Code] This Property is in GREENE County. It has the following legal description: SECTION: 83.4; BLOCK 4; LOTS 23 & 24 SEE SCHEDULE A ATTACHED HERETO (B) All buildings and other improvements that are [ocated on the Property described in subsection (A) of this section; (C) AH rights in other property that I have as owner of the Property described in subsection (A) of this section. These rights are known as "easements and appurtenances Property;" attached to the (D) All rights that I have in the land which lies in the streets or roads in front of, or nextto, the Property described in subsection (A) of this section; (E) All fixtures that are now or in the future will be on the Property described in subsections (A) and (B) of this section; (F) All of the rights and p operty described in subsections (B) through (E) of this section that I acquire in the future; and (G) All replacements of or additions to the Property described in subsections (B) through (F) of this section and all Insurance Proceeds for loss or damage to, and all Miscellaneous Proceeds of the Property described in subsections (A) through (F) of this section. NEW VORK-5inple Family-F4anie Mae/Freddic Mac UNLFORM INSTA0MENT Ferni 30% 1/G2 (page3 of l9 pages) FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 60 I NS TR#: M2017-3579 12/13/2017 MORTGAGE Image: 5 of 21 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 . . . BORROWER'S RIGHT TO MORTGAGE THE PROPERTY , AND BORROWER'S OBLIGATION TO DEFEND OWNERSHIP OF THE PROPERTY I promise that: I lawfully own the Property; (B) I have the right to mortgage, grant and (A) the to Lender; and (C) there are no outstanding elaims or charges against the convey Property Property, except for those which are of public record. I give a general of title to Lender. This means that I will be fully responsible for any warranty losses which Lender suffers because someone other than myself has some of the rights in the Property which I promise that I have. I promise that I will defend my ownership of the Property against any claims of such rights. PLAIN LANGUAGE SECURITY INSTRUMENT This Security Instrument contains promises and agreements that are used in real property security instruments all over the country. It also contains other promises and agreements that vary in language." different parts of the country. My promises and agreements are stated in "plain COVENANTS I promise and I agree with Lender as follows: 1. Borrower's Promise to Pay. I will pay to Lender on time principal and interest due under the Note and any prepayment, late charges and other amounts due under the Note. I will also pay all amounts for Escrow Items under Section 3 of this Security Instrument. Payments due under the Note and this Security Instrument shall be made in U.S. currency. If any of my payments by check or other payment instrument is returned to Lender unpaid, Lender may require my payment be made by: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location required in the Note, or at another location designated by Lender under Section 15 of this Security Instrument. Lender may retum or accept any payment or partial payment if it is for an amount that is less than the amount that is then due. If Lender accepts a lesser payment, Lender may refuse to accept a lesser payment that I may make in the future and does not waive any of its rights. Lender is not obligated to apply such lesser payments when it accepts such payments. If interest on principal accrues as if all Periodic Payments had been paid when due, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until I make payments to bring the Loan current. If I do not do so within a reasonable period of time, Lender will either apply such funds or retum them to me. In the event of foreclosure, any unapplied funds will be applied to the outstanding principal balance immediately prior to foreclosure. No offset or claim which I might have now or in the future against Lender will relieve me from making payments due under the Note and this Security Instrument or keeping all of my other promises and agreements secured by this Security Instrument. NEW YoRK-Single Famdy-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30.U I/DI (page4 of I9 pages) FILED: GREENE COUNTY CLERK 03/22/2024 02:25 PM INDEX NO. EF2024-243 60 INSTR#: M2017-357 9 12/13/2017 MORTGAGE Image: 6 of 21 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/22/2024 . . 2. Application of Borrower's Payments and Insurance Proceeds. Unless Applicable Law or this Section 2 requires otherwise, Lender will apply each of my payments that Lender accepts in the following order . First, to pay interest due under the Note; Next, to pay principal due under the Note; and Next, to pay the amounts due Lender under Section 3 of this Security Instrument. Such payments will be applied to each Periodic Payment in the order in which it became due. Any mmaining amounts will be applied as follows: First, to pay any late charges; Next, to pay any other amounts due under this Security Instrument; and Next, to reduce the principal balance of the Note. If Lender receives a payment from me for a late Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the late Periodic Payment and the late charge. If more than one Periodic Payment is due, Lender may apply any payment received from me: First, to the repayment of the Periodic Payments that are due if, and to the extent that, each payment can be paid in full; Next, to the extent that any excess exists aller the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments will be applied as follows: First, to any prepayment charges; and Next, as described in the Note. Any application of payments, Insurance Proceeds, or Miscellaneous Proceeds to principal due under the Note will not extend or postpone the due date of the Periodic Payments or change . the amount of those payments. 3. Monthly Payments For Taxes And Insurance. (a) Borrower's Obligations. I will pay to Lender all amounts necessary to pay for taxes, assessments, water charges, sewer rents and other similar charges, ground leasehold payments or rents (if any), hazard or property insurance covering the Property, flood insurance (if any), and any required Mortgage Insurance, or a Loss Reserve as described in Section 10 in the place of Mortgage Insurance. Each Periodic Payment will include an amount to be applied Items:" toward payment of the following items which are called "Escrow (1) The taxes, assessments, water charges, sewer rents and other similar charges, on the Property which under Applicable Law may be superior to this Security Instrument as a Lien on the Property. Any claim, demand or charge that is made against property because "Lien;" an obligation has not been fulfilled is known as a (2) The leasehold payments or ground rents on the Property (if any); (3) The premium for any and all insurance required by Lender under Section 5 of this Security Instrument; (4) The premium for Mortgage Insurance (if any); (5)