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Hearing Date: 8/5/2024 10:00 AM
Location: Court Room 2801
Judge: Robles, Edward N
FILED
6/4/2024 2:14 PM
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS IRIS Y. MARTINEZ
COUNTY DEPARTMENT - CHANCERY DIVISION CIRCUIT CLERK
COOK COUNTY, IL
2024CH05266
WELLS FARGO BANK, N.A.
Calendar, 59
PLAINTIFF, 27966968
-VS- No.
2024CH05266
MARCO RODRIGUEZ; KENDREA RODRIGUEZ PROPERTY ADDRESS:
A/K/A KENDRA RODRIGUEZ; CITY OF 4872 WEST HOMER STREET
CHICAGO, AN ILLINOIS MUNICIPAL CHICAGO, IL 60639
CORPORATION; UNKNOWN OWNERS AND
NON-RECORD CLAIMANTS
DEFENDANTS
COMPLAINT TO FORECLOSE MORTGAGE
Plaintiff, Wells Fargo Bank, N.A., by its Attorneys, LOGS LEGAL GROUP LLP, states as
follows:
1 Plaintiff, Wells Fargo Bank, N.A. (hereinafter Plaintiff"), files this complaint pursuant to
735 ILCS 5/15-1101 et. seq., to foreclose the mortgage, trust deed or other conveyance in the
nature of a mortgage (hereinafter called “Mortgage") hereinafter described and joins the
following persons as defendants:
Marco Rodriguez
Kendrea Rodriguez a/k/a Kendra Rodriguez
City of Chicago, an Illinois Municipal Corporation
Unknown Owners and Non-Record Claimants
2 Attached as "EXHIBIT A" is a copy of the Mortgage. Attached as "EXHIBIT B" is a copy
of the Note secured thereby. Attached as “EXHIBIT C" is a copy of the Loan Modification
Agreement.
3. Information concerning said mortgage:
a) Nature of the instrument: Mortgage and Loan Modification Agreement
b) Date of the Mortgage: April 18, 2018
Date of the Loan Modification Agreement: October 20, 2022
c) Name or Names of the Mortgagors: Marco Rodriguez and Kendrea Rodriguez,
Husband and Wife, as Tenants by the Entirety
qd) Name of the mortgagee, trustee or grantee in the Mortgage: Mortgage Electronic
Registration Systems, Inc., acting solely as mortgagee, as nominee for Cardinal
Financial Company, Limited Partnership
e) Date and place of recording:
Mortgage Date and Place of recording: May 16, 2018 Cook County
Recorder's Office
Loan Modification Agreement Date and place of Recording: January 17,
2023 Cook County Recorder's Office
f) Identification of recording:
Mortgage: Document No. 1813619019
Loan Modification Agreement: Document No. 2301733367
g) Interest subject to the mortgage: Fee simple
h) Amount of original Indebtedness, including subsequent advances made under
the mortgage: $227,500.00 modified by Loan Modification Agreement to
$220,918.03
i) Legal description of Mortgaged premises and common address (hereinafter
“Mortgaged Premises"):
LOT 24 (EXCEPT THE WEST 15 FEET) AND LOT 25 (EXCEPT THE EAST 5
FEET THEREOF) IN BLOCK 2 INLYFORD AND MANN'S ADDITION TO
CRAGIN IN THE SOUTHEAST 1/4 OF SECTION 33, TOWNSHIP 40 NORTH,
RANGE 13, EAST OF THE THIRD PRINCIPAL MERIDIAN, IN COOK COUNTY,
ILLINOIS.
Commonly known as 4872 West Homer Street, Chicago, IL 60639
Permanent Index No.: 13-33-402-016-0000
i Statement as to defaults: The Mortgage is in default due to the failure of the
mortgagor to pay the monthly installments of principal, interest, taxes and
insurance, and any other escrow items that may apply, for the period January
2024 through the present. There remains an outstanding principal balance of
$259,160.00 with interest accruing pursuant to the terms of the note and
mortgage plus attorneys fees, foreclosure costs, late charges, advances and
expenses incurred by the Plaintiff as a result of the default. At the time of the
filing of this complaint, the per diem is $31.06. The per diem may change during
the foreclosure.
k) Name of present owner(s) of the real estate:
Marco Rodriguez and Kendrea Rodriguez, as Tenants in Common
) Names of other persons who are joined as defendants and whose interest in or
lien on the mortgaged real estate is sought to be terminated:
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded
September 9, 2021 as Document No. 2125233039, in the amount of $15,413.54.
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded
January 19, 2023 as Document No. 2301945101, in the amount of $2,151.87.
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded
May 30, 2023 as Document No. 2315046089, in the amount of $3,110.14.
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded
September 22, 2023 as Document No. 2326540057, in the amount of $2,151.87.
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded
June 16, 2023 as Document No. 2316747030, in the amount of $15,413.54.
City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded July
13, 2021 as Document No. 2119408096, in the amount of $7,053.54.
Unknown Owners and Non-Record Claimants, upon information and belief, may
have an interest in the said property.
(1). That in addition to person(s) designated by name herein, there are other
person(s) who have or claim to have an interest in the mortgaged real
estate which is not disclosed of record by recorded notice or proceeding
which would give constructive notice and who are more fully defined in
735 ILCS 5/15-1210, and whose interest falls in any of the following
categories: (1) right of homestead, (2) judgment creditor, (3) beneficiary
interest under any trust other than the beneficial interest of a beneficiary
of a trust in actual possession of all or part of the real estate, (4)
unrecorded mechanics' lien claimant, or (5) any other entity or person
who claims an interest in the Mortgaged Premises. That the name or
names of these claimants and all such other persons are made party
defendants to this action by the name and description of "Unknown
Owners and Non-Record Claimants”.
m) Names of defendants claimed to be personally liable for deficiency, if any:
Marco Rodriguez
unless any of such defendants have been discharged in a Chapter 7 Bankruptcy,
in which case no such deficiency is sought.
n) Plaintiff has the right to foreclose the subject note and security instrument.
Capacity in which Plaintiff brings this foreclosure:
Plaintiff is the legal holder of the indebtedness secured by the mortgage being
foreclosed herein.
0) Facts in support of redemption period, shorter than the longer of: (i) 7 months
from the date the mortgagor or, if more than one, all the mortgagors (I) have
been served with summons or by publication or (II) have otherwise submitted to
the jurisdiction of the Court, if residential real estate; (ii) 6 months from the date
the mortgagor or, if more than one, all the mortgagors (I) have been served with
summons or by publication or (II) have otherwise submitted to the jurisdiction of
the Court, if commercial real estate; or (iii) 3 months from the entry of the
judgment of foreclosure, whichever is later.
That pursuant to the terms of the 735 ILCS 5/15-1603, the Court determine the
length of the redemption period upon making a finding based on the facts and
circumstances available to the Court at the time of judgment that the property is
either residential, non-residential or abandoned.
p) Facts in support of request for attorney's fees and of costs and expenses:
That pursuant to the terms of the Note and Mortgage, the mortgagee is entitled to
recover attorney's fees, court costs, title costs, and other expenses which plaintiff
has been and will be required to expend in the prosecution of this foreclosure.
q) Determination as to residential real estate:
(1). That pursuant to the terms of 735 ILCS 5/15-1219, Plaintiff requests that
the court make a finding based upon facts and circumstances available to
the court at the time of Judgment that the subject real estate is either
“residential real estate” occupied as a principal residence either (i) if a
mortgagor is an individual, by that mortgagor, that mortgagor's spouse or
that mortgagor's descendants, or (ii) if a mortgagor is a trustee of a trust
or an executor or administrator of an estate, by a beneficiary of that trust
or estate or by such beneficiary's spouse or descendants or (iii) if a
mortgagor is a corporation, by persons owning collectively at least 50
percent of the shares of voting stock of such corporation or by a spouse
or descendants of such persons and subject to a 7 month redemption
period.
(2). In the event that the court finds that either: (1) the real estate is
residential, then the real estate shall be subject to a seven (7) month
redemption period, or (2) The real estate is non-residential, then the real
estate is subject to a six (6) month redemption period.
4 Facts in support of a request for appointment of mortgagee in possession or for
appointment of a receiver, and identity of such receiver, if sought:
None at this time; Plaintiff reserves the right to file a separate Petition for
Appointment of Mortgagee in Possession or Receiver if applicable.
s) Name or names of defendants whose right to possess the mortgaged real estate,
after the confirmation of the foreclosure sale, is sought to be terminated and, if
not elsewhere stated, the facts in support thereof:
Marco Rodriguez and Kendrea Rodriguez a/k/a Kendra Rodriguez
REQUEST FOR RELIEF
Plaintiff request
1 A judgment to foreclose such mortgage and Judicial sale by the Sheriff of Cook
County or Judicial Sales Officer appointed for that purpose.
2. An order granting a shortened redemption period, as applicable
3. A personal judgment for a deficiency, if sought, only against those Defendants /
Obligors, who have not received an order discharging the subject debt in bankruptcy
proceedings, or who are not currently involved in bankruptcy proceedings in which the
stay has been modified for the sole purpose of foreclosing the subject lien
4 An order granting possession, if sought.
5. An order placing the mortgagee in possession or appointing a receiver, if sought
6. A judgment including attorneys’ fees, costs and expenses including but not limited
to payments for taxes, insurance, securing, inspections and other expenses of the plaintiff.
7. For a finding that the interests of all named defendants are junior and subservient
to the mortgage lien being foreclosed herein and the termination of leaseholds, if any.
8 An order enforcing its assignment of rents derived from said real estate, if
applicable
9. For such other and further relief as the Court deems just, including, but not limited
to, declaratory and injunctive relief.
ADDITIONAL REQUEST FOR RELIEF
10. A sale by public auction
11 Acash sale by open bid
12 A provision that a Sales Officer, the Sheriff of Cook County, or a special
commissioner shall conduct the sale for a reasonable fee, which fee shall be recoverable
by Plaintiff in the event of redemption.
13. An order that title in the real estate may be subject, at the sale, to exceptions
including general real estate taxes for the current year and for preceding years which have
not become due and payable as of the date of entry of the judgment of foreclosure, any
special assessments upon real estate, and easements and restrictions of record.
14. That the plaintiff be entitled to recover in any reinstatement or redemption, any
additional taxes paid, or advances paid for expenses including, but not limited to,
insurance, inspection, boarding and securing said premises, or other expenses to
preserve and protect said security.
Wells Fargo Bank, N.A.
/s/ Amy A. Aronson
One of Plaintiffs Attorneys
Randal S. Berg (6277119)
Michael N. Burke (6291435)
Christopher A. Cieniawa (6187452)
Laura J. Anderson (6224385)
Thomas Belczak (6193705)
Mallory Snyderman (6306039)
Debra Miller (6205477)
Amy Aronson (6206512)
LOGS Legal Group LLP
Attorney for Plaintiff
2121 Waukegan Road, Suite 301
Bannockburn, IL 60015
(847) 291-1717
ILNOTICES@logs.com
Attorney No: 42168
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE. PLEASE BE ADVISED THAT IF YOUR PERSONAL
LIABILITY FOR THIS DEBT HAS BEEN EXTINGUISHED BY A DISCHARGE IN
BANKRUPTCY OR BY AN ORDER GRANTING IN REM RELIEF FROM STAY, THIS NOTICE
IS PROVIDED SOLELY TO FORECLOSE THE MORTGAGE REMAINING ON YOUR
PROPERTY AND IS NOT AN ATTEMPT TO COLLECT THE DISCHARGED PERSONAL
OBLIGATION.
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
COUNTY DEPARTMENT, CHANCERY DIVISION
MORTGAGE FORECLOSURE / MECHANICS LIEN SECTION
IN THE MATTER OF THE APPLICATION OF
THE LAW FIRM OF LOGS LEGAL GROUP LLP, ) SPS ORDER
FOR A STANDING ORDER FOR. ) -
APPOINTMENT OF A SPECIAL PROCESS: )
SERVER. )
ORDER APPOINTING STANDING SPECIAL PROCESS SERVER
This matter coming on to be heard on the application of LOGS Legal Group LLP fik/a Shapiro
Kreisman & Associates, LLC, for a Standing Order for the Appointment of a special process server for the
Quarter beginning on April 1, 2024 and ending on June 30, 2024.
IT IS HEREBY ORDERED: It
4 Each of the following private detective agencies: Provest, LLC — License Number 117-
001336 and Firefly Legal Inc - License Number 117-001465, certified under the Private Detective, Private
Alarm Private Security, and Locksmith Act of 2004, 225 ILCS 447-5-5 and their employees over 18 years
of age and in any case which he, or she are not a party are hereby appointed Standing Special Process
Servers for the Quarter beginning on April 1, 2024 and ending on June 30, 2024, in all cases filed by
LOGS Legal Group LLP f/k/a Shapiro Kreisman & Associates, LLC, in the Mortgage Foreclosure Section
of the Chancery Division pursuant to 735 ILCS 5/2-202 and General Administrative Order No. 2007-03.
2 The authority of the appointed standing special process servers is limited solely to
the service of process in mortgage foreclosure cases for the Quarter. beginning on April 1, 2024
and ending on June 30,.2024, in all cases filed by LOGS Legal Group LLP ffk/a Shapiro Kreisman
& Associates, LLC:
DATED: ENTERED:
judge Lewis M. ixon
Supervising Judge
LOGS Legal Group LLP Judge Lew; ER E
Xon. 1849
2121 Waukegan Road, Suite 301
Bannockburn, IL 60015
(847) 291-1717 MAR 1 4 297
ILNOTICES@logs.com CLERK Ge
Attorney No.: 42168 Cook BiRcur NE,
INTY, fourr
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HIBIT AUNOFFICIAL COPY
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Illinois Anti-Predatory — ee
Lending Database
Program ML Doc# 1813619019 Fee #8200
Certificate of Exemption $1.08
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Report Mortga ef raud
844-768-1713
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The property identified as: ge PIN: 13-33-402-016-0000
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Address: Saget BE
Street: 4872 WHomer Street
Street line 2: “es
City: Chicago State: IL € é. ZIP Gade: 60639
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Lender, Cardinal Financial Company, Limited Parinership “°"
Borrower; Marco Rodriguez and Kendrea Rodriguez
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Loan / Mortgage Amount: $227,500.00 S&S
This property Is located within the program area and the transaction is exempt from the requirgmelts of 765 ILCS 77/70
ei seq. because the application was taken by an exempt entity. Fs
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Certificate umber Execution date: 4/18/2018
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UNOFFICIAL COPY
4
* Requested by and Return to:
Advantage Title, LLC
137 Main Street
Bay St. Louis, MS 39520
‘This Instrument Was Prepared By:
Cardinal Financial Company, Limited
Partnership,
3701 Arco Corporate Drive, Suite 200
Chariotte.8¢ 08273
fos,
Loan Number a
& [Space Above This Line For Recording Data)
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MORTGAGE
MERS Phone: 888-679-6377
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DEFINITIONS
Words used in multiple sections of this document’si
rye
Sections 3, 11, 13, 18, 20 and 21. Certain rules r egal
also provided in Section 16.
4efined below and other words are defined in
Op usage of words used in this document are
{A) "Security Instrument” means this document, which is ath Anges, 2018, together with all Riders
to this document. qe
{B) “Borrower” is MARCO RODRIGUEZ and KENDREA RODRIGUEZ, hus! nd wife, as tenants by the
entireties. Borrower is the mortgagor under this Security instrument.
(C} “MERS” is Mortgage Electronic Registration Systems, Inc. MERSis a separaté cigoration thatis acting
solely as a nominee for Lender and Lender's successors and assigns. MERS is themortgagee under this
Security instrument. MERS is organized and existing under the laws of Delaware, ananpaie and
telephone number of P.O. Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS.
{D) “Lender” is Cardinal Financial Company, Limited Partnership, tender is a Limitedf Baltnershin
organized and existing under the laws of Pennsylvania. tender’s address is 3701 Arce Corpor: ritiDrive,
Suite 200, Charlotte, NC 28273.
{£) “Note” means the promissory note signed by Borrower and dated April 18, 2018. The Note states that
Borrower owes Lender TWO HUNDRED TWENTY-SEVEN THOUSAND FIVE HUNDRED AND 00/200 Dollars
(U.S. $227,500) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to
pay the debt in full not later than May 1, 2048.
(F} “Property” means the property that is described below under the heading “Transfer of Rights in the
Property.”
{G) “Loan” 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.
ILLINOIS — Single Family - MERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {Form 3014 — 01/01)
Cardinal Financial Company, Limited Partnership Page Lof 16
UNOFFICIAL COPY
4
{H) “Riders” means all Riders to this Security instrument that are executed by Borrower. The following
Riders are to be executed by Borrower (check bax as applicable}:
D Adjustable Rate Rider Planned Unit Development Rider
© Balloon Rider C Biweekly Payment Rider
1-4 Family Rider O1 Second Home Rider
(i Condominium Rider & Other(s) Fixed Interest Rate Rider
1 Manufactured Home Rider
{l) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations,
ordinances aed administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appeald judicial opinions.
ql) “Commi 7 Association Dues, Fees, and Assessments” means all dues, fees, assessments and other
fp
charges that are, sed on Borrower or the Property by a condominium association, homeowners
association or simila: anization.
{K) “Electronic Funds Tear fer” means any transfer of funds, other than a transaction originated by check,
draft, or similar paper .isifument, which is initiated through an electronic terminal, telephonic
instrument, computer, or maghetigctape so as to order, instruct, or authorize a financial institution to
debit or credit an account. Such (Seat)
arco Rodriguez - Borrower “Fendrea Rodviguez > - Borrower
(Seal} (Seal)
- Borrower > Borrower
(Seal) (Seat)
Borrower - Borrower
be
“3 (Seal) (Seal)
aot - Borrower - Borrower
? (Seal} (Seal)
ower - Borrower
ay
{sea ey {Seal}
- Borrower Gf o,
- Borrower
(Seal) {Seal}
- Borrower "ue - Borrower
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et
{Seal} (Seal)
- Borrower
wo ~ Borrower
oll
Originat i Cardinal Financial Company, Limited Partnership DBA Sebonic Financial
NMLSR
ILLINOKS — Single Family — MERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (Form 3014 - 01/01)
Cardinal Financial Company, Limited Partnership Page 15 of 16
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{Space Below This Line For Acknowledgment]
State of ELL vals )
County of C gat € )
ONY Cyrarvees Se
do hereby certify that,
, @ Notary Public in and for said county and state
Marco Rodriguez , Kendrea Rodriguez _, personally known to me to be the same
person(s) wie: e name(s) subscribed to the foregoing instrument, appeared before me this day in person,
and acknéwiédged that he/she/they signed and delivered the said instrument as his/her/their free and
ool
voluntary act, e uses and purposes therein set forth.
Given under my han: ‘cial seal, this {gra day of Aye |
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(NOTARY SEAL) os,
OFFICIAL SEAL’
DARRYL CHAVERS 5!
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My Commission Expires
Notary Public - State of illincis.
My Commission Expires Nov 23, 2018
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Loan Originator: Gerson Alejandra, NMLSR |
Originators Organization: Cardinal Financial ae... DBA Sebonic Financial
NMLSR 1
sLLINO! gle Family — {ERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {Form 3014 -01/02)
Cardinal Financial Company, Limited Partnership Page 16 of 16
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oa i 2018
inoninte
EXHIBIT “A”
LEGAL DESCRIPTION
THE LAND REFERRED TO HEREIN BELOW iS SITUATED IN THE COUNTY OF COOK, STATE OF {LLINOIS, AND IS
DESCRIBED
AS FOLLOW. #
LOT 24 (EXCEPT THEW? 15 FEET) AND LOT 25 (EXCEPT THE EAST 5 FEET THEREOF) IN BLOCK 2 IN LYFORD AND
MANN'S
ADDITION TO CRAGIN IN“ ‘EXSOUTHEA ST 1/4 OF SECTION 33, TOWNSHIP 40 NORTH, RANGE 13,EAST OF THE
fe
THIRD 4
PRINCIPAL MERIDIAN, IN CO 6 i COUNTY, LING.
Parcel ID: 13-33-402-016-0000 “ast
Parcel ID: 13334020160000
Cammonly Known As: 4872 W Homer Street, chil } Hlinois 60639
oh
sont e
Agee 6
ay
#8 ‘st
oe
Exhibit “A” ~ Legal Description (03/23/18)
Page Loft
Cardinal Financial Company, Limited Partnership DBA Sebanic Financial
UNOFFICIAL COPY
as
1-4 FAMILY RIDER
{Assignment of Rents)
THIS 1-4 FAMILY RIDER Is made this 18th day of April, 2018, and is incorporated into and shal! be deemed to
amend and supplement the Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”) of the same
date given by the undersigned (the “Borrower”) to secure Borrower's Note to Cardinal Financia! Company,
Limited Partnership (the “Lender”) of the same date and covering the Property described in the Security
instrument and located at:
4872 W Homer Street, Chicago, IL 60639
[Property Address]
1-4 FAMIL’ VENANTS, |n addition to the covenants and agreements made in the Security Instrument,
Borrower and Lende# covenant and agree as follows:
A. ADDITI PROPERTY SUBIECT TO THE SECURITY INSTRUMENT. In addition to the
Property described in Seojirfty Instrument, the following items now or hereafter attached to the Property
to the extent they are fixtaies are,added to the Property description, and shall also constitute the Property
covered by the Security Instrumaesite“building materials, appliances and goods of every nature whatsoever
now or hereafter located in, on, or used ‘gr intended to be used in connection with the Property, including,
but not limited to, those for the purposes, of supplying or distributing heating, cooling, electricity, gas,
water, air and light, fire prevention ana hing apparatus, security and access controi apparatus,
plumbing, bath tubs, water heaters, sets, sinks, ranges, stoves, refrigerators, dishwashers,
disposals, washers, dryers, awnings, storm w dauis;"storm doors, screens, blinds, shades, curtains and
curtain reds, attached mirrors, cabinets, paneling tached floor coverings, all of which, including
replacements and additions thereto, shall be deeme! se.and remain a part of the Property covered by
the Security instrument. All of the foregoing togethé ith the Property described in the Security
2
Instrument {or the leasehold estate if the Security instrumeiity sion a leasehold) are referred to in this 1-
4 Family Rider and the Security !nstrument as the “Property.”*=" i
B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrovier she It not seek, agree to or make a
change in the use of the Property or its zoning classification, unless Le rayby has agreed in writing to the
change. Borrower shall comply with all laws, ordinances, ts
regula tl requirements of any
governmental body applicable to the Property.
{. SUBORDINATE LIENS. Except as permitted by federal law, Borrowés.! hall not allow any lien
inferior to the Security Instrument to be perfected against the Property without Lénde: prior written.
permission,
D. RENT LOSS INSURANCE. Borrower shalt maintain insurance against rent loss’ sddition to
the other hazards for which insurance is required by Section 5. a
E. “BORROWER'S RIGHTTO REINSTATE” DELETED. Section 19 is deleted.
F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section
6 concerning Borrower's occupancy of the Property is deleted.
G. ASSIGNMENT OF LEASES. Upon iender’s request after default, Borrower shall assign to
Lender all leases of the Property and all security deposits made in connection with leases of the Property.
Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and
to execute new leases, in Lender’s sole discretion. As used in this paragraph G, the word “lease” shail
mean “sublease” if the Security Instrument is on a leasehold.
H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION. Borrower
absolutely and unconditionally assigns and transfers to Lender all the rents and revenues (“Rents”) of the
Property, regardless of to whom the Rents of the Property are payable. Borrower authorizes Lender or
MULTISTATE 1-4 FAMILY RIDER — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 041/01
Cardinai Financial Company, Limited Partnership Page Lof3
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i“ Lender's agents to collect the Rents, and agrees that each tenant of the Property shali pay the Rents to
Lender or Lender's agents. However, Borrower shall receive the Rents until (i} Lender has given Borrower
notice of default pursuant to Section 22 of the Security Instrument and (ii) Lender has given notice to the
tenant(s) that the Rents are to be paid to Lender or Lender's agent. This assignment of Rents constitutes
an absolute assignment and not an assignment for additional security only.
if Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by
Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security
instrument; (ii} Lender shail be entitled to collect and receive ali of the Rents of the Property; (iii) Borrower
agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's agents
upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents
collected by Lender or Lender’s agents shall be applied first to the costs of taking control of and managing
the Prope and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees,
premiurn: ceiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments
and other ch: on the Property, and then to the sums secured by the Security Instrument; {v} Lender,
Lender's agentiof: judicially appointed receiver shall be liable to account for only those Rents actually
received; and (vi) Lett shail be entitled to have a receiver appointed to take possession of and manage
the Property and collé ve Rents and profits derived from the Property without any showing as to the
inadequacy of the Propert ie security.
Ifthe Rents of the Prope re not sufficient to cover the costs of taking control of and managing
the Property and of collecting ents any funds expended by Lender for such purposes shal! become
indebtedness of Borrower to Lendergectired by the Security Instrument pursuant to Section 9.
Borrower represents and waitait that Borrower has not executed any prior assignment of the
Rents and has not performed, and will not 3 ‘m, any act that would prevent Lender from exercising its
rights under this paragraph.
Lender, or Lender’s agents or a judicially opp ‘ated receiver, shall not be required to enter upon,
take control of ar maintain the Property before o: ving notice of default to Borrower. However,
tender, or Lender's agents or a judicially appointed rec may do so at any time when a default occurs.
Any application of Rents shall not cure or waive any defai invalidate any other right or remedy of
Lender. This assignment of Rents of the Property shall tei te when ail the sums secured by the
Security Instrument are paid in full,
L CROSS-DEFAULT PROVISION. Borrower's default or bréash inder any note or agreement in
which Lender has an interest shall be a breach under the Security instru‘ Sat and Lender may invoke any
of the remedies permitted by the Security instrument.
[REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK] e
MULTISTATE 1-4 FAMILY RIDER — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 01/02
Cardinal Financial Company, Limited Partnership Page 2 of 3
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UNOFFICIAL COPY
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1-4 Family Rider,
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Loan Originator: Gerson Alejandro, wos
Originators Organization: Cardinal Financial Company, Limited Partnership DBA Sebonic Financial NMLS |
MULTISTATE 1-4 FAMILY RIDER ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 01/01
Cardinal Financial Company, Limited Partnership Page 3 of 3
UNOFFICIAL COPY
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a
FIXED INTEREST RATE RIDER
Date: 04/18/2018
tender: Cardinal Financial Company, Limited Partnership
Borrower(s): Marco Rodriguez, Kendrea Rodriguez
THIS FIXED ANTEREST RATE RIDER is made this day of 04/18/2018 and is incorporated into and shail be
deemed to ame’ and supplement the Security Instrument, Deed of Trust, or Security Deed {the "Security
instrument") of date given by the undersigned (the "Borrower"} to secure repayment of the
Borrower's fixed rate ~prémissory note {the "Note') in favor of Cardinal Financial Company, Limited
Partnership (the "Lender®|ZFife Security instrument encumbers the praperty more specifically described in
the Security Instrument and logatad.at
4g7d jomer Street, Chicago, !L 60639
ft {Property Address}
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ADDITIONAL COVENANTS. In addition to tie covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant ‘add ree as follows:
A. Definition (E) "Note" of the Security instrument is deleted and the following provision is
substituted in its place in the Security Instrument:
{E) “Note” means the promissory note signed by Borrower and dati 4/18/2018. The Note states that
Borrower owes Lender TWO HUNDRED TWENTY-SEVEN THOUSAND FI JNDRED AND 00/100 Datlars
{U.S. $227,500) plus interest. Borrower has promised to pay this debt in r Periodic Payments and
to pay the debt in full not !ater than May 1, 2048 at a rate of 5.365%.
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ILLINOIS — Fixed interest Rate Rider (09/08/17)
Cardinal Financial Company, Limited Partnership Page Lof2
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UNOFFICIAL COPY
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed
interest Rate Rider,
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Preview
Hearing Date: 8/5/2024 10:00 AM Location: Court Room 2801 Judge: Robles, Edward N FILED 6/4/2024 2:14 PM IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS IRIS Y. MARTINEZ COUNTY DEPARTMENT - CHANCERY DIVISION CIRCUIT CLERK COOK COUNTY, IL 2024CH05266 WELLS FARGO BANK, N.A. Calendar, 59 PLAINTIFF, 27966968 -VS- No. 2024CH05266 MARCO RODRIGUEZ; KENDREA RODRIGUEZ PROPERTY ADDRESS: A/K/A KENDRA RODRIGUEZ; CITY OF 4872 WEST HOMER STREET CHICAGO, AN ILLINOIS MUNICIPAL CHICAGO, IL 60639 CORPORATION; UNKNOWN OWNERS AND NON-RECORD CLAIMANTS DEFENDANTS COMPLAINT TO FORECLOSE MORTGAGE Plaintiff, Wells Fargo Bank, N.A., by its Attorneys, LOGS LEGAL GROUP LLP, states as follows: 1 Plaintiff, Wells Fargo Bank, N.A. (hereinafter Plaintiff"), files this complaint pursuant to 735 ILCS 5/15-1101 et. seq., to foreclose the mortgage, trust deed or other conveyance in the nature of a mortgage (hereinafter called “Mortgage") hereinafter described and joins the following persons as defendants: Marco Rodriguez Kendrea Rodriguez a/k/a Kendra Rodriguez City of Chicago, an Illinois Municipal Corporation Unknown Owners and Non-Record Claimants 2 Attached as "EXHIBIT A" is a copy of the Mortgage. Attached as "EXHIBIT B" is a copy of the Note secured thereby. Attached as “EXHIBIT C" is a copy of the Loan Modification Agreement. 3. Information concerning said mortgage: a) Nature of the instrument: Mortgage and Loan Modification Agreement b) Date of the Mortgage: April 18, 2018 Date of the Loan Modification Agreement: October 20, 2022 c) Name or Names of the Mortgagors: Marco Rodriguez and Kendrea Rodriguez, Husband and Wife, as Tenants by the Entirety qd) Name of the mortgagee, trustee or grantee in the Mortgage: Mortgage Electronic Registration Systems, Inc., acting solely as mortgagee, as nominee for Cardinal Financial Company, Limited Partnership e) Date and place of recording: Mortgage Date and Place of recording: May 16, 2018 Cook County Recorder's Office Loan Modification Agreement Date and place of Recording: January 17, 2023 Cook County Recorder's Office f) Identification of recording: Mortgage: Document No. 1813619019 Loan Modification Agreement: Document No. 2301733367 g) Interest subject to the mortgage: Fee simple h) Amount of original Indebtedness, including subsequent advances made under the mortgage: $227,500.00 modified by Loan Modification Agreement to $220,918.03 i) Legal description of Mortgaged premises and common address (hereinafter “Mortgaged Premises"): LOT 24 (EXCEPT THE WEST 15 FEET) AND LOT 25 (EXCEPT THE EAST 5 FEET THEREOF) IN BLOCK 2 INLYFORD AND MANN'S ADDITION TO CRAGIN IN THE SOUTHEAST 1/4 OF SECTION 33, TOWNSHIP 40 NORTH, RANGE 13, EAST OF THE THIRD PRINCIPAL MERIDIAN, IN COOK COUNTY, ILLINOIS. Commonly known as 4872 West Homer Street, Chicago, IL 60639 Permanent Index No.: 13-33-402-016-0000 i Statement as to defaults: The Mortgage is in default due to the failure of the mortgagor to pay the monthly installments of principal, interest, taxes and insurance, and any other escrow items that may apply, for the period January 2024 through the present. There remains an outstanding principal balance of $259,160.00 with interest accruing pursuant to the terms of the note and mortgage plus attorneys fees, foreclosure costs, late charges, advances and expenses incurred by the Plaintiff as a result of the default. At the time of the filing of this complaint, the per diem is $31.06. The per diem may change during the foreclosure. k) Name of present owner(s) of the real estate: Marco Rodriguez and Kendrea Rodriguez, as Tenants in Common ) Names of other persons who are joined as defendants and whose interest in or lien on the mortgaged real estate is sought to be terminated: City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded September 9, 2021 as Document No. 2125233039, in the amount of $15,413.54. City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded January 19, 2023 as Document No. 2301945101, in the amount of $2,151.87. City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded May 30, 2023 as Document No. 2315046089, in the amount of $3,110.14. City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded September 22, 2023 as Document No. 2326540057, in the amount of $2,151.87. City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded June 16, 2023 as Document No. 2316747030, in the amount of $15,413.54. City of Chicago, an Illinois Municipal Corporation, by virtue of a lien recorded July 13, 2021 as Document No. 2119408096, in the amount of $7,053.54. Unknown Owners and Non-Record Claimants, upon information and belief, may have an interest in the said property. (1). That in addition to person(s) designated by name herein, there are other person(s) who have or claim to have an interest in the mortgaged real estate which is not disclosed of record by recorded notice or proceeding which would give constructive notice and who are more fully defined in 735 ILCS 5/15-1210, and whose interest falls in any of the following categories: (1) right of homestead, (2) judgment creditor, (3) beneficiary interest under any trust other than the beneficial interest of a beneficiary of a trust in actual possession of all or part of the real estate, (4) unrecorded mechanics' lien claimant, or (5) any other entity or person who claims an interest in the Mortgaged Premises. That the name or names of these claimants and all such other persons are made party defendants to this action by the name and description of "Unknown Owners and Non-Record Claimants”. m) Names of defendants claimed to be personally liable for deficiency, if any: Marco Rodriguez unless any of such defendants have been discharged in a Chapter 7 Bankruptcy, in which case no such deficiency is sought. n) Plaintiff has the right to foreclose the subject note and security instrument. Capacity in which Plaintiff brings this foreclosure: Plaintiff is the legal holder of the indebtedness secured by the mortgage being foreclosed herein. 0) Facts in support of redemption period, shorter than the longer of: (i) 7 months from the date the mortgagor or, if more than one, all the mortgagors (I) have been served with summons or by publication or (II) have otherwise submitted to the jurisdiction of the Court, if residential real estate; (ii) 6 months from the date the mortgagor or, if more than one, all the mortgagors (I) have been served with summons or by publication or (II) have otherwise submitted to the jurisdiction of the Court, if commercial real estate; or (iii) 3 months from the entry of the judgment of foreclosure, whichever is later. That pursuant to the terms of the 735 ILCS 5/15-1603, the Court determine the length of the redemption period upon making a finding based on the facts and circumstances available to the Court at the time of judgment that the property is either residential, non-residential or abandoned. p) Facts in support of request for attorney's fees and of costs and expenses: That pursuant to the terms of the Note and Mortgage, the mortgagee is entitled to recover attorney's fees, court costs, title costs, and other expenses which plaintiff has been and will be required to expend in the prosecution of this foreclosure. q) Determination as to residential real estate: (1). That pursuant to the terms of 735 ILCS 5/15-1219, Plaintiff requests that the court make a finding based upon facts and circumstances available to the court at the time of Judgment that the subject real estate is either “residential real estate” occupied as a principal residence either (i) if a mortgagor is an individual, by that mortgagor, that mortgagor's spouse or that mortgagor's descendants, or (ii) if a mortgagor is a trustee of a trust or an executor or administrator of an estate, by a beneficiary of that trust or estate or by such beneficiary's spouse or descendants or (iii) if a mortgagor is a corporation, by persons owning collectively at least 50 percent of the shares of voting stock of such corporation or by a spouse or descendants of such persons and subject to a 7 month redemption period. (2). In the event that the court finds that either: (1) the real estate is residential, then the real estate shall be subject to a seven (7) month redemption period, or (2) The real estate is non-residential, then the real estate is subject to a six (6) month redemption period. 4 Facts in support of a request for appointment of mortgagee in possession or for appointment of a receiver, and identity of such receiver, if sought: None at this time; Plaintiff reserves the right to file a separate Petition for Appointment of Mortgagee in Possession or Receiver if applicable. s) Name or names of defendants whose right to possess the mortgaged real estate, after the confirmation of the foreclosure sale, is sought to be terminated and, if not elsewhere stated, the facts in support thereof: Marco Rodriguez and Kendrea Rodriguez a/k/a Kendra Rodriguez REQUEST FOR RELIEF Plaintiff request 1 A judgment to foreclose such mortgage and Judicial sale by the Sheriff of Cook County or Judicial Sales Officer appointed for that purpose. 2. An order granting a shortened redemption period, as applicable 3. A personal judgment for a deficiency, if sought, only against those Defendants / Obligors, who have not received an order discharging the subject debt in bankruptcy proceedings, or who are not currently involved in bankruptcy proceedings in which the stay has been modified for the sole purpose of foreclosing the subject lien 4 An order granting possession, if sought. 5. An order placing the mortgagee in possession or appointing a receiver, if sought 6. A judgment including attorneys’ fees, costs and expenses including but not limited to payments for taxes, insurance, securing, inspections and other expenses of the plaintiff. 7. For a finding that the interests of all named defendants are junior and subservient to the mortgage lien being foreclosed herein and the termination of leaseholds, if any. 8 An order enforcing its assignment of rents derived from said real estate, if applicable 9. For such other and further relief as the Court deems just, including, but not limited to, declaratory and injunctive relief. ADDITIONAL REQUEST FOR RELIEF 10. A sale by public auction 11 Acash sale by open bid 12 A provision that a Sales Officer, the Sheriff of Cook County, or a special commissioner shall conduct the sale for a reasonable fee, which fee shall be recoverable by Plaintiff in the event of redemption. 13. An order that title in the real estate may be subject, at the sale, to exceptions including general real estate taxes for the current year and for preceding years which have not become due and payable as of the date of entry of the judgment of foreclosure, any special assessments upon real estate, and easements and restrictions of record. 14. That the plaintiff be entitled to recover in any reinstatement or redemption, any additional taxes paid, or advances paid for expenses including, but not limited to, insurance, inspection, boarding and securing said premises, or other expenses to preserve and protect said security. Wells Fargo Bank, N.A. /s/ Amy A. Aronson One of Plaintiffs Attorneys Randal S. Berg (6277119) Michael N. Burke (6291435) Christopher A. Cieniawa (6187452) Laura J. Anderson (6224385) Thomas Belczak (6193705) Mallory Snyderman (6306039) Debra Miller (6205477) Amy Aronson (6206512) LOGS Legal Group LLP Attorney for Plaintiff 2121 Waukegan Road, Suite 301 Bannockburn, IL 60015 (847) 291-1717 ILNOTICES@logs.com Attorney No: 42168 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PLEASE BE ADVISED THAT IF YOUR PERSONAL LIABILITY FOR THIS DEBT HAS BEEN EXTINGUISHED BY A DISCHARGE IN BANKRUPTCY OR BY AN ORDER GRANTING IN REM RELIEF FROM STAY, THIS NOTICE IS PROVIDED SOLELY TO FORECLOSE THE MORTGAGE REMAINING ON YOUR PROPERTY AND IS NOT AN ATTEMPT TO COLLECT THE DISCHARGED PERSONAL OBLIGATION. IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT, CHANCERY DIVISION MORTGAGE FORECLOSURE / MECHANICS LIEN SECTION IN THE MATTER OF THE APPLICATION OF THE LAW FIRM OF LOGS LEGAL GROUP LLP, ) SPS ORDER FOR A STANDING ORDER FOR. ) - APPOINTMENT OF A SPECIAL PROCESS: ) SERVER. ) ORDER APPOINTING STANDING SPECIAL PROCESS SERVER This matter coming on to be heard on the application of LOGS Legal Group LLP fik/a Shapiro Kreisman & Associates, LLC, for a Standing Order for the Appointment of a special process server for the Quarter beginning on April 1, 2024 and ending on June 30, 2024. IT IS HEREBY ORDERED: It 4 Each of the following private detective agencies: Provest, LLC — License Number 117- 001336 and Firefly Legal Inc - License Number 117-001465, certified under the Private Detective, Private Alarm Private Security, and Locksmith Act of 2004, 225 ILCS 447-5-5 and their employees over 18 years of age and in any case which he, or she are not a party are hereby appointed Standing Special Process Servers for the Quarter beginning on April 1, 2024 and ending on June 30, 2024, in all cases filed by LOGS Legal Group LLP f/k/a Shapiro Kreisman & Associates, LLC, in the Mortgage Foreclosure Section of the Chancery Division pursuant to 735 ILCS 5/2-202 and General Administrative Order No. 2007-03. 2 The authority of the appointed standing special process servers is limited solely to the service of process in mortgage foreclosure cases for the Quarter. beginning on April 1, 2024 and ending on June 30,.2024, in all cases filed by LOGS Legal Group LLP ffk/a Shapiro Kreisman & Associates, LLC: DATED: ENTERED: judge Lewis M. ixon Supervising Judge LOGS Legal Group LLP Judge Lew; ER E Xon. 1849 2121 Waukegan Road, Suite 301 Bannockburn, IL 60015 (847) 291-1717 MAR 1 4 297 ILNOTICES@logs.com CLERK Ge Attorney No.: 42168 Cook BiRcur NE, INTY, fourr ‘ E . HIBIT AUNOFFICIAL COPY WHOA Illinois Anti-Predatory — ee Lending Database Program ML Doc# 1813619019 Fee #8200 Certificate of Exemption $1.08 RHSP FEE:S9.0@ RPRF FEE? Ss, Te KAREN @. YARBROUGH COGK COUNTY RECORDER OF DEEDS % +80 AN PG: 1 OF 23 G DATE: 0571672012 16:51 at — cee = % % aT Report Mortga ef raud 844-768-1713 EP Pile#: The property identified as: ge PIN: 13-33-402-016-0000 ep Address: Saget BE Street: 4872 WHomer Street Street line 2: “es City: Chicago State: IL € é. ZIP Gade: 60639 Bes Lender, Cardinal Financial Company, Limited Parinership “°" Borrower; Marco Rodriguez and Kendrea Rodriguez ite. {% OS. weit “# Loan / Mortgage Amount: $227,500.00 S&S This property Is located within the program area and the transaction is exempt from the requirgmelts of 765 ILCS 77/70 ei seq. because the application was taken by an exempt entity. Fs “ C1 hs Certificate umber Execution date: 4/18/2018 eon fe 3 UNOFFICIAL COPY 4 * Requested by and Return to: Advantage Title, LLC 137 Main Street Bay St. Louis, MS 39520 ‘This Instrument Was Prepared By: Cardinal Financial Company, Limited Partnership, 3701 Arco Corporate Drive, Suite 200 Chariotte.8¢ 08273 fos, Loan Number a & [Space Above This Line For Recording Data) re eo on J pte MORTGAGE MERS Phone: 888-679-6377 “O, Ne DEFINITIONS Words used in multiple sections of this document’si rye Sections 3, 11, 13, 18, 20 and 21. Certain rules r egal also provided in Section 16. 4efined below and other words are defined in Op usage of words used in this document are {A) "Security Instrument” means this document, which is ath Anges, 2018, together with all Riders to this document. qe {B) “Borrower” is MARCO RODRIGUEZ and KENDREA RODRIGUEZ, hus! nd wife, as tenants by the entireties. Borrower is the mortgagor under this Security instrument. (C} “MERS” is Mortgage Electronic Registration Systems, Inc. MERSis a separaté cigoration thatis acting solely as a nominee for Lender and Lender's successors and assigns. MERS is themortgagee under this Security instrument. MERS is organized and existing under the laws of Delaware, ananpaie and telephone number of P.O. Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS. {D) “Lender” is Cardinal Financial Company, Limited Partnership, tender is a Limitedf Baltnershin organized and existing under the laws of Pennsylvania. tender’s address is 3701 Arce Corpor: ritiDrive, Suite 200, Charlotte, NC 28273. {£) “Note” means the promissory note signed by Borrower and dated April 18, 2018. The Note states that Borrower owes Lender TWO HUNDRED TWENTY-SEVEN THOUSAND FIVE HUNDRED AND 00/200 Dollars (U.S. $227,500) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2048. (F} “Property” means the property that is described below under the heading “Transfer of Rights in the Property.” {G) “Loan” 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. ILLINOIS — Single Family - MERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {Form 3014 — 01/01) Cardinal Financial Company, Limited Partnership Page Lof 16 UNOFFICIAL COPY 4 {H) “Riders” means all Riders to this Security instrument that are executed by Borrower. The following Riders are to be executed by Borrower (check bax as applicable}: D Adjustable Rate Rider Planned Unit Development Rider © Balloon Rider C Biweekly Payment Rider 1-4 Family Rider O1 Second Home Rider (i Condominium Rider & Other(s) Fixed Interest Rate Rider 1 Manufactured Home Rider {l) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances aed administrative rules and orders (that have the effect of law) as well as all applicable final, non-appeald judicial opinions. ql) “Commi 7 Association Dues, Fees, and Assessments” means all dues, fees, assessments and other fp charges that are, sed on Borrower or the Property by a condominium association, homeowners association or simila: anization. {K) “Electronic Funds Tear fer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper .isifument, which is initiated through an electronic terminal, telephonic instrument, computer, or maghetigctape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such (Seat) arco Rodriguez - Borrower “Fendrea Rodviguez > - Borrower (Seal} (Seal) - Borrower > Borrower (Seal) (Seat) Borrower - Borrower be “3 (Seal) (Seal) aot - Borrower - Borrower ? (Seal} (Seal) ower - Borrower ay {sea ey {Seal} - Borrower Gf o, - Borrower (Seal) {Seal} - Borrower "ue - Borrower eh et {Seal} (Seal) - Borrower wo ~ Borrower oll Originat i Cardinal Financial Company, Limited Partnership DBA Sebonic Financial NMLSR ILLINOKS — Single Family — MERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (Form 3014 - 01/01) Cardinal Financial Company, Limited Partnership Page 15 of 16 UNOFFICIAL COPY uw {Space Below This Line For Acknowledgment] State of ELL vals ) County of C gat € ) ONY Cyrarvees Se do hereby certify that, , @ Notary Public in and for said county and state Marco Rodriguez , Kendrea Rodriguez _, personally known to me to be the same person(s) wie: e name(s) subscribed to the foregoing instrument, appeared before me this day in person, and acknéwiédged that he/she/they signed and delivered the said instrument as his/her/their free and ool voluntary act, e uses and purposes therein set forth. Given under my han: ‘cial seal, this {gra day of Aye | es (NOTARY SEAL) os, OFFICIAL SEAL’ DARRYL CHAVERS 5! 1S 1g My Commission Expires Notary Public - State of illincis. My Commission Expires Nov 23, 2018 Salt a 6 ™ Sa tds y toot esgi, See Loan Originator: Gerson Alejandra, NMLSR | Originators Organization: Cardinal Financial ae... DBA Sebonic Financial NMLSR 1 sLLINO! gle Family — {ERS — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {Form 3014 -01/02) Cardinal Financial Company, Limited Partnership Page 16 of 16 UNOFFICIAL COPY oa i 2018 inoninte EXHIBIT “A” LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW iS SITUATED IN THE COUNTY OF COOK, STATE OF {LLINOIS, AND IS DESCRIBED AS FOLLOW. # LOT 24 (EXCEPT THEW? 15 FEET) AND LOT 25 (EXCEPT THE EAST 5 FEET THEREOF) IN BLOCK 2 IN LYFORD AND MANN'S ADDITION TO CRAGIN IN“ ‘EXSOUTHEA ST 1/4 OF SECTION 33, TOWNSHIP 40 NORTH, RANGE 13,EAST OF THE fe THIRD 4 PRINCIPAL MERIDIAN, IN CO 6 i COUNTY, LING. Parcel ID: 13-33-402-016-0000 “ast Parcel ID: 13334020160000 Cammonly Known As: 4872 W Homer Street, chil } Hlinois 60639 oh sont e Agee 6 ay #8 ‘st oe Exhibit “A” ~ Legal Description (03/23/18) Page Loft Cardinal Financial Company, Limited Partnership DBA Sebanic Financial UNOFFICIAL COPY as 1-4 FAMILY RIDER {Assignment of Rents) THIS 1-4 FAMILY RIDER Is made this 18th day of April, 2018, and is incorporated into and shal! be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”) of the same date given by the undersigned (the “Borrower”) to secure Borrower's Note to Cardinal Financia! Company, Limited Partnership (the “Lender”) of the same date and covering the Property described in the Security instrument and located at: 4872 W Homer Street, Chicago, IL 60639 [Property Address] 1-4 FAMIL’ VENANTS, |n addition to the covenants and agreements made in the Security Instrument, Borrower and Lende# covenant and agree as follows: A. ADDITI PROPERTY SUBIECT TO THE SECURITY INSTRUMENT. In addition to the Property described in Seojirfty Instrument, the following items now or hereafter attached to the Property to the extent they are fixtaies are,added to the Property description, and shall also constitute the Property covered by the Security Instrumaesite“building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used ‘gr intended to be used in connection with the Property, including, but not limited to, those for the purposes, of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention ana hing apparatus, security and access controi apparatus, plumbing, bath tubs, water heaters, sets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm w dauis;"storm doors, screens, blinds, shades, curtains and curtain reds, attached mirrors, cabinets, paneling tached floor coverings, all of which, including replacements and additions thereto, shall be deeme! se.and remain a part of the Property covered by the Security instrument. All of the foregoing togethé ith the Property described in the Security 2 Instrument {or the leasehold estate if the Security instrumeiity sion a leasehold) are referred to in this 1- 4 Family Rider and the Security !nstrument as the “Property.”*=" i B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrovier she It not seek, agree to or make a change in the use of the Property or its zoning classification, unless Le rayby has agreed in writing to the change. Borrower shall comply with all laws, ordinances, ts regula tl requirements of any governmental body applicable to the Property. {. SUBORDINATE LIENS. Except as permitted by federal law, Borrowés.! hall not allow any lien inferior to the Security Instrument to be perfected against the Property without Lénde: prior written. permission, D. RENT LOSS INSURANCE. Borrower shalt maintain insurance against rent loss’ sddition to the other hazards for which insurance is required by Section 5. a E. “BORROWER'S RIGHTTO REINSTATE” DELETED. Section 19 is deleted. F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section 6 concerning Borrower's occupancy of the Property is deleted. G. ASSIGNMENT OF LEASES. Upon iender’s request after default, Borrower shall assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and to execute new leases, in Lender’s sole discretion. As used in this paragraph G, the word “lease” shail mean “sublease” if the Security Instrument is on a leasehold. H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION. Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and revenues (“Rents”) of the Property, regardless of to whom the Rents of the Property are payable. Borrower authorizes Lender or MULTISTATE 1-4 FAMILY RIDER — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 041/01 Cardinai Financial Company, Limited Partnership Page Lof3 UNOFFICIAL COPY i“ Lender's agents to collect the Rents, and agrees that each tenant of the Property shali pay the Rents to Lender or Lender's agents. However, Borrower shall receive the Rents until (i} Lender has given Borrower notice of default pursuant to Section 22 of the Security Instrument and (ii) Lender has given notice to the tenant(s) that the Rents are to be paid to Lender or Lender's agent. This assignment of Rents constitutes an absolute assignment and not an assignment for additional security only. if Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security instrument; (ii} Lender shail be entitled to collect and receive ali of the Rents of the Property; (iii) Borrower agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's agents upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents collected by Lender or Lender’s agents shall be applied first to the costs of taking control of and managing the Prope and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees, premiurn: ceiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments and other ch: on the Property, and then to the sums secured by the Security Instrument; {v} Lender, Lender's agentiof: judicially appointed receiver shall be liable to account for only those Rents actually received; and (vi) Lett shail be entitled to have a receiver appointed to take possession of and manage the Property and collé ve Rents and profits derived from the Property without any showing as to the inadequacy of the Propert ie security. Ifthe Rents of the Prope re not sufficient to cover the costs of taking control of and managing the Property and of collecting ents any funds expended by Lender for such purposes shal! become indebtedness of Borrower to Lendergectired by the Security Instrument pursuant to Section 9. Borrower represents and waitait that Borrower has not executed any prior assignment of the Rents and has not performed, and will not 3 ‘m, any act that would prevent Lender from exercising its rights under this paragraph. Lender, or Lender’s agents or a judicially opp ‘ated receiver, shall not be required to enter upon, take control of ar maintain the Property before o: ving notice of default to Borrower. However, tender, or Lender's agents or a judicially appointed rec may do so at any time when a default occurs. Any application of Rents shall not cure or waive any defai invalidate any other right or remedy of Lender. This assignment of Rents of the Property shall tei te when ail the sums secured by the Security Instrument are paid in full, L CROSS-DEFAULT PROVISION. Borrower's default or bréash inder any note or agreement in which Lender has an interest shall be a breach under the Security instru‘ Sat and Lender may invoke any of the remedies permitted by the Security instrument. [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK] e MULTISTATE 1-4 FAMILY RIDER — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 01/02 Cardinal Financial Company, Limited Partnership Page 2 of 3 . UNOFFICIAL COPY BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1-4 Family Rider, he gZfr (Seal) = Borrower bel tabebec> ‘Xendrea Rodriguez (Seal) ~ Borrower (Seal} {Seal) - Borrower - Borrower (Seal) (Seal) - Borrower > Borrower See {Seal) (Seal) - Borrower - Borrower ‘oa (Seal) (Seal) rrgwer - Borrower (Sea (Seal) > Borrower - Borrower Lp Sw (Seal} {Seal} - Borrower ~ Borrower (Seal) (Seal) - Borrower - Borrower % [= Loan Originator: Gerson Alejandro, wos Originators Organization: Cardinal Financial Company, Limited Partnership DBA Sebonic Financial NMLS | MULTISTATE 1-4 FAMILY RIDER ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 01/01 Cardinal Financial Company, Limited Partnership Page 3 of 3 UNOFFICIAL COPY > a FIXED INTEREST RATE RIDER Date: 04/18/2018 tender: Cardinal Financial Company, Limited Partnership Borrower(s): Marco Rodriguez, Kendrea Rodriguez THIS FIXED ANTEREST RATE RIDER is made this day of 04/18/2018 and is incorporated into and shail be deemed to ame’ and supplement the Security Instrument, Deed of Trust, or Security Deed {the "Security instrument") of date given by the undersigned (the "Borrower"} to secure repayment of the Borrower's fixed rate ~prémissory note {the "Note') in favor of Cardinal Financial Company, Limited Partnership (the "Lender®|ZFife Security instrument encumbers the praperty more specifically described in the Security Instrument and logatad.at 4g7d jomer Street, Chicago, !L 60639 ft {Property Address} Ge £ ADDITIONAL COVENANTS. In addition to tie covenants and agreements made in the Security Instrument, Borrower and Lender further covenant ‘add ree as follows: A. Definition (E) "Note" of the Security instrument is deleted and the following provision is substituted in its place in the Security Instrument: {E) “Note” means the promissory note signed by Borrower and dati 4/18/2018. The Note states that Borrower owes Lender TWO HUNDRED TWENTY-SEVEN THOUSAND FI JNDRED AND 00/100 Datlars {U.S. $227,500) plus interest. Borrower has promised to pay this debt in r Periodic Payments and to pay the debt in full not !ater than May 1, 2048 at a rate of 5.365%. ors [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK] Ne a aese ILLINOIS — Fixed interest Rate Rider (09/08/17) Cardinal Financial Company, Limited Partnership Page Lof2 ,: UNOFFICIAL COPY BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed interest Rate Rider, (Seal) {Seal} co Rodpigliez - Borrower “Kendreafosrigys2 ) + Borrower (Seal) {Seal) - Borrower - Borrower (Seal) {Seal} - Borrower - Borrower (Seal) (Seal) ae e - Borrower - Borrower i Hi Seal) (Seal) + Borxavel + Borrower a "beet soa, (Seal} (Seal). - Borrower - Borrawer