Preview
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0D164 - K81
IN THE COURT OF COMMON PLEAS
FRANKLIN COUNTY, OHIO
Pee eee ee eee eee Hee EE EEO RE EH EEE EEE E EOE EEE EEE EEE EEO ORE EE EES
Nationstar Mortgage LLC Case No.
8950 Cypress Waters Boulevard
Coppell, Texas 75019 Judge
Plaintiff COMPLAINT FOR FORECLOSURE
YS.
Anna L, Keenan
770 Ronson Avenue
Gahanna, OH 43230
Miles J. Keenan
770 Ronson Avenue
Gahanna, OH 43230
Franklin County Treasurer
373 South High Street
17th Floor
Columbus, OH 43215
Hunters Ridge Section 7 Association
Attention: Legal Department
6079 Northgate Road
Columbus, OH 43229
Defendants.
Now comes Plaintiff, Nationstar Mortgage LLC, who hereby alleges and asserts against
the Defendants as follows:
Background
1 Anna L. Keenan and Miles J. Keenan executed the promissory note (the "Note") that is
the subject of this action. A copy of the Note is attached hereto as Exhibit A.
16-017772_SPK2
C2
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
OD164 - K8
Attached hereto as Exhibit B is a copy of the mortgage (the "Mortgage") that was validly
executed in connection with the execution of the Note. The parties to the Mortgage
intended that it attach to the entire fee simple interest in the property.
The Mortgage was recorded November 9, 2009 as Instrument Number
200911090161326, Franklin County, Ohio records.
The Mortgage is a lien on the property (the "Property") described more fully in the
attached Mortgage.
The Note and Mortgage are in default. Plaintiff has satisfied conditions precedent and
declared the entire balance due and payable.
COUNT ONE: BREACH OF NOTE
6 Plaintiff incorporates each of the preceding allegations into Count One by reference.
Plaintiff is due upon the Note the principal amount of $130,803.00, plus interest on the
outstanding principal amount at the rate of 5% per annum from March 1, 2016, plus late
charges and advances and all costs and expenses incurred for the enforcement of the Note
and Mortgage, except to the extent the payment is prohibited by Ohio law.
Plaintiff is a person entitled to enforce the Note.
COUNT TWO: FORECLOSURE
9 Plaintiff incorporates each of the preceding allegations into Count Two by reference.
10. The Mortgage is a valid and subsisting lien on the Property, subject only to any lien that
may be held by the County Treasurer that has priority over the Mortgage as a matter of
law.
ik The Mortgage was given to secure the Note.
16-017772_SPK2
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K8
12. Plaintiff is entitled to foreclose the Mortgage due to default. See Exhibit B, Exhibit C,
Exhibit D.
13 The Preliminary Judicial Report attached to this Complaint as Exhibit E refers to other
persons, if any, who are named as defendants in this action.
PRAYER FOR RELIEF
14. Plaintiff prays for the following relief:
e judgment against Anna L. Keenan and Miles J. Keenan in the principal amount of
$130,803.00, plus interest on the outstanding principal amount at the rate of 5%
per annum from March 1, 2016, plus late charges and advances and all costs and
expenses incurred for the enforcement of the Note and Mortgage except to the
extent the payment is prohibited by Ohio law;
a finding that the Mortgage is a valid and subsisting lien on the Property, subject
only to any lien that may be held by the County Treasurer that has priority over
the Mortgage as a matter of law;
16-017772_SPK2
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K8
an order (1) foreclosing the equity of redemption and dower of all defendants
named in this action, (2) requiring that the Property be sold free and clear of all
liens, interests. and dower, (3) requiring all defendants to set up their liens or
interest in the Property or be forever barred from asserting such liens or interests,
(4) requiring that the proceeds of the sale of the Property be applied to pay all
amounts due Plaintiff, and (5) granting Plaintiff all other relief, legal and
equitable, as may be proper and necessary, including, for example, a writ of
possession.
Respectfully submitted,
/ Michael E. Carleton, Esq.
E. Timken (0071381)
hael E. Carleton (0083352)
David F. Hanson (0059580)
Matthew P. Curry (0078306)
Manley Deas Kochalski LLC
P.O. Box 165028
Columbus, OH 43216-5028
Telephone: 614-222-4921
Fax: 614-220-5613
Email: ket@manleydeas om
Attorney for Plaintiff
“Please note: The documents attached hereto may have been redacted to remove personal information and
personal identifiers, such as financial account information, social security numbers, dates of birth, and
similar information to further protect the privacy of borrowers and mortgagors.
16-017772_SPK2
Franklin Count ty Ohio Clerk ofgpur's of the Common Pleas- 0@vs 01 1292 PM-16CV007145
0OD164 4 K8
«
Ss
&
MEN:
Maliinate NOTE
ptaeieletce!
Detoher 24. 2808.
FER Ronawa Ava... Gokatma, Osta 49420
Perey Adieess)
4, FARES
"Bemewex" nreans mach parson dlgniay at the and of des Nets, aad the peroma's senassnons acd nssinn, y “Leader” aieany
Mniked thalosale Mrtqars
audity mocrsane
aad sedge
3 BORURERR'S PROMISE TO BAY) INTERES?
Aryecen
the a lon seneived frum Leader, Borovas pemions 1 pay the gtinpsl amof sae Mundzad forty
Seven YousNd Nive Muadesd Pie Five end 8/108
Dolla GES § 347 889.08 3, plus inmost, fon anlar of Lemicr, [nterut wit! be charged! on mnpaid priecieal,
‘Hom ths dass of dinbuxamnent of the lose procends by Leads’, of tha nate of ive
pesvant{ $.20G Si} pe your wall Ih HOR eemoeat of pelosioel fas hea pals,
3. BROMISE PG PAY SROUREE
jceromer’ x promiss to payis roctiead by a: se, Goud of ust ox shullse souucky iesteumend tied is dated tlic sane dato
ag this Hote and catiad Me “Security lnediaess * Nee Reoutity Snvtowent protents the Leader tho taskes which ght neue ff
‘Fiewcoyrer Aaikulty onder chit Neie,
BANNEROF PAVHENT.
{8 Daw
‘Boniwes dhail make a gaynisat af principal end intent te Lander om dip Aint day of cack mat Degieaing an
Bavamber J. + 2008 ~ Any’ peintipal and Aderost remaining inn the thst digat! Homembar *
2829 » EB doe tn that date, hiked is called the “htwarky Dake
4B) Mace
‘Payment
ial: Saanedeat $10. SON S79 Binainghay MECMIGMT Geeks
se at geeks pes a4 Lender ney, ego inoesitiag
fy noliee ths Borrower.
C) Ament
Bech mowsely payment of prinaipal oid incon will be in the amount
sf U.S. 8 FADER » This memset
sv be parsof 8 Inger nlonthly gapnanet seguied fy: the Seoweity, Fngtumont, Slat shall be applied to geinelpal, latest sad
other ites Gn ths ete dautribed in the Sseurity doomed.
AD) Atfonge ts th& Note hex payment adjustments
Tan singe pro ding, dae gaynent sdsineay is aurouled hy Ronower togahar with Sis Note tae oveniaats ef
the Mlauge sal! be luowepueated Inte ane shall amend and supgheuwnt the coveonis of Gly Note as the alloage were «pat of
SHENOS [Choxk apptirable box}
#
(ocassted Pays Aidange CTlonowitna Sastyy Adeayo {loiter fran
3% RORROWER'S RIGHT 10 PREEX
vont BAS Suit & yay the debe avidinod » this Nate, davshote o: tn part chews, aw pammlty,
oo the fest
day af ery moniG, Loader shalt arcags prepayment an we Gaye presides tak Bocro eae risenon die anus prepa Ae
She seaside: of thie anonth te the ackent sontined by Le and pegadtisd by regulations of She Seeceiacy, If Burraneer makes 3
ae BRON, ee SA He ne changes fn the dae diate ee’fh the aeunent eb thy wad payment Gules Lender agseas in,
i Hhka TH RRMAS,
‘Sleds Hiss Dae es (008.
AR ae
Peet 2
eos SONS RHI xet 7)
ates emicie|
acsie
(cl Gi(a16|
xpenetin County Ohio Clerk ges of the Common Pleas- 2048 Avs 01 12:32 PM-16CV007145
0OD164
&
a
§. BORROWER'S FAILURE TO RAY
$A Late Charge
fox Cvantag Popmnency
‘EC Luwetey Has ant reveived the hl mmethty payment maguire by the Security Hnsirument, ax described in Poragragie
A(C) af ths Note, by the ond of Ziffeea antonday daye aller the gagmast by due; Loader soy wollsat a late charge in the amount
of Daw peromt { 000899) oF Hic onadiox eonnnat af cauh parm’
CB} Doteate
WEomiaes detealie by Gils 8ip do pay A Gal nay meu peje, heat Lone emer, a iuglted By sngutotions
of sn Shoretney’ its ties sree af papment defiudls, yeghine rmiiate payers dn. tthe seineipal nox sematning Hs ane
all scorned Intesest, Lester may sheaus net te searelze this optias: y aud waded vighis ia dhe event of any aihyeguest
deel. In muy visumetanoys regulations issued hy de Secesiasy wi Ys Lauder a dekts to require fameadl pagusent
Bal fn the ease of pemeaent dediadis, ‘This Pinte does Gok nathosige nagleawti¢n vaisa NOL pAiutted by HUD yegulatinie, Ax wsdl
in Oe Note, "Seaoeey" mus fie Gometay
of Housing aint Ushos Peestopment or hisar her desigaee
‘Poyuwnt ad Costs aot Sepeases
Laxderhax miquired fmineadtaty paymend in GR, os dexarided abown Lendexmer renuins Esevowne Jb pay cust aad
ek inching xensmnialis ond otstemary ateranyy fees foe entheeing this ois i the oxtens uot prohibited by
$50. Shab fey acdl onus chiatl bee Innumst Gom the date ad’ dhigusesn! at De saws rate gy Gee paid ais Nows,
B WARVERS:
‘KORTE dod Aly Othe pene Bhs hee obligations makes this Note Wwalve the rights of prensaimion! and aotice a
Gehan, "Feereuttorat means de right & ogulte Lender to dominal pymeat ef NORE gs, “Hlesicg af distionar® mane Hie
Night to vequire Lanier to give matise fo sthar parsons that amouets dao have
nat been pad,
& ORVIRG A NOTIONS
Rouble Jay requires 8 different method, soy duties thit mestbe gives to Borewwer undee ih He Will be given
dy Sollstetng it or oy mailingit by feat nines sual fo Borrower at fs properly addbess stove oo af a different adivess &
Rare has phen Lender x noting of Gerrowers diftxes adchens.
Any Entioe that minal bs given le Leauler under kbs Note will be ‘given Ly Srae clans snail 95 Loencos at the adders natedSy
Paragraph 418) er al a diferent odddeesy if Bon user Se given a notice af shat diffieant aiktnies.
3. QBLIGATIONS OF PERSONS UNDER THIS MOLE
‘Af meat thant ob pargua signe this Neda, dork persre § Ally aud prrsonedly WeigelW hoop all af se Prowler ined Se,
fils Mota, Insinding the sootsiae tu pay the Aull mount owed, Aay paceen who 1s b guicinbyy, cussty or madzesiy of ths Now fe
sou adilguiof to dh dhage ays. Any person why tskes aver thee Cllgations, Juchiding the oktimtions ofa mmaantan, surety
ae madacser af HiNY Note, ig alsh obligaind to Keay sil a the pomnises fe tA Nita, Vander my enforce fs sghis mrder us
‘Mio agninet atch parses: iSaally o¢ ageinst alLagnatgsice Logeding, bey sue perma signing tly Note many be seqnived $s.
‘pay Al xf the suncsinty oved sasker iis Note.
BY SULTING BRLOW, Borrower aooophy and agnies to Ge tres aad enwansints eanainad ka thls Nake:
a
od Gl pes ead, &A Rad
SNR}. KOEI Bonswer MELAS O. RRR sees
Sad
Brae NS THERESE
teres Ne
Sead wih SHURE SIR SORTSAGE igen
Banawwee Posse
nena
ey BTR a eS
Ree}. ee}
kw sBamowsy
Fope Rots
PAY TO THEORDEROF
OUT RECOURSE
BANK OF MRRCE SP
*
BY,
SENIOR Se CRESIDENT
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K8
TEE S
28093 1098161326
BS odie &
Sotert 6. 8
Branhlin County Recoreer
%
oh
ptcser-tetces| a
The, g =
oh
Raison Tos
ved Wholesale Mortgage, YP
gouth Adane Head, Bimaingham, MICHIGAN 42009
Ss
Space Above This Line Kar Recording Data} a
State of Ohio
OPEN-END MORTGAGE —y
8 FRA,
stase! __!
%,
Ml erecta)
THIS MORTGAGE (*Socurity Instrucess} is given on Oovobex 16, 2008
‘The Mortgagor
js AWRA i. RERNAN and BILRS J. USENAN, WIFE AND HUSBAND
whose catrent rsiting xidscss is 776 Romwon Ave., Gahanna, ON 62250
“Rortowss"} Thin Skowity Instrument is gives to Mortgage Elecvonle Registration System’, ix
EMERS"), (eciely ao somiuee for Lender, a& hexeinadtey defined, sm Lendes's awocansers and sess), 2
mortgages, MERS is organized and oxiating under the lays of Delaceare, and has an address ad telepaons
sever of P.O, Box 2026, Flint, MI 48501-2006, sel. (888) 677-MERS united Nholesale Koxtgage
rate ee
FHA Opes Movignge with MERS-OH ee HA Foun $796 Ameadat 102
ye? © ‘VMPEN(OH) 40902)
Wolters Kluwer Pisnnolat Servioas Page {of
ataie rs eitote|
adaielzleitcte|
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K8
%
so
ss
tes
(*Lesder"} is organized and exiting under the laws of RECHIGAR™
aud tutso addree of S88 South Adee Row Meek ing, St aas03
rrowst aves Lender the pritcipal aun of
dna Hundred Forty sevsn Thousand Five Ria2‘tena Pitty Five and 06/106 y
Bolkecs (WU. $247,588.08
This debt i evidenced dy Rorawer's note te wae date xs this: security Instrument ("Hotes
which provides for monthly payments, witS bef Af, if net pald carl se and payshle att Newest:
g, 2039 i Jnvieumats seeves 8 Leder: (a) the mpoymnent of the debt
evidenos! by the Note, with interest, me2 gS reiewa’, extensions and modifications of the Note; {6}
payment of all other sums, with inte yasced under parsgisph 7 to protect the secant of this Security
nstroneng and fe) the performancg’| ot Rodawer’ 'S Cowman and agreements under8 Security fatrement
aR hs Moss, x this puspowe, Hirober does feraby morgage, gssat and convey ty MERS Giotdy as
romineefor Lender ant Lenditla guczessars and asvigns) and to the suocegeors and at MERS, 2
Bullewtng, i vied grepenty lodeted in Franklin Cs sayy OMI
SHR AYTACARD mxagBLT
% 8
Ss
‘PaceTD Number: €25-095407-05 ‘which has the address of
77G Rowson Ave [Soees
Sahsnna iCity}, Olio aanae fatip Coss
(Pecgetty Address};
TOGETHER WITH all the improverenis now a hereafter erectedon the propsity, ond all osecmneite,
appurtenances ene Zxtures niw oF heseafter a gar! af the property. All raphweements and additions shall abs be:
covered by shis Seourlty I meni. All of the formgning is refrred to in this Seoority asbumant a8
Property, * Borsawer inderstends and agrecs that MERS holds onl | ike to the interests grated
Sorower in this Serurity Enstrwnent; but, if pecans tp oumply with fow or custass, MBRS, 0 sess fer
Tender sed Lande: suocessers suxl ass! }, fay the tight: to exercise any ox all of those iaterests, seek
od Simited te, right t@ foreaiose snd aeif the Property; and to take any aati ogured of Lancet
incl adding, tot nat Limited to, sedeweing os ca ng tls Geourit tranest,
arts]
FHA Open and rigugs with MERS-OFE per Roomy $26 Aumnited 1/22
VAP © ‘VMEAN(OH} £0962)
Walters juwer Fuancial Services Rage
2 of LI
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K8
%
so
ss
Sage
BORROWER COVENAN' tht Romewor is lawfully sel Sf the astato hereby eonveyad sad has the
wight to mostgage, Brust aad convey the Propeny and 18 ke Property is unmownbeed, except for
enoembrauces of resord. Reroower secrants and will we "pencrally sho title to the Propacty sgaiias ail
elsims aod demands, subject to any exewmbsances of readied
THES BECORETY INSTRUM Y combing wav oomsianty far autlonal we and aosunifeess
covenant with Hanited varistions by juxisd PY Regrittinute wuaiform security tasttuaent covering real
peopent oe, &,
Rorsower une! Lenfer cavensat red tots iatlows:
UNIFORM COVENANTS.
& Payment of Principal, Infarct, ‘ait ‘Hate Charge Bortewer shelf psy when das the principal of,
and istemst a0, the debi evidenced ty the Note aud late charges dae unider the Note,
4, Monthly Payment of Tika) Insuranee and Other Charges, Boxower shall includs ix ead
mionthly pawnent, together wik ncipal avd Solevest at sot forth in the Note aud any iste charges, s stan
for (a) taxes and special, assesdiients Yevied or to de levied sgainat the Propecty, () leasehold payment ar
ground rata om the Patparty, andl Co) pentane for insurance seal aukher paragraph4, ia any year #5
whieh th nis RL FRY 8 mUsTgAgE ineURBIES promiun to the oseaty of Housing and Urb
Development WGecteesry?) or in any yeae és which uch promixen wonld have been recuieed § Lender still
held the Soa stlament, each monthly payment shalt aloo include eithe {i} a sus for the am
sortgeigy insunttige premium to be peid by Leudar fe the Secostery, ar {i} 2 cuthiy change insted
mostgage insurance: premian 8 is Security testeioment is keld by & Secretary, in 2 reasonable amount to be
dvtermined by the Secretary. Bxospt for the monthly charge dy the Secretary, “Woes itanns sae called "Escrow
coms? ad the mamta paid in Leader are eaiied Esco Funds
Lender 23 af any tin, eollect and hold symounts For Recruw Teas ik as aggregate suo aot (6
sxcved ie mani mi UOURE Het may be requied Sur Borrower's escrow account wader the Beat Retate
Settizment Procedures Ast of IM, 12 B.SC. Saction 2601 af sag. aud implementing mgulations, 24 CBR
Pact 300, as they may be dod Sram tine te time CRESPAT), exeopr that the cushion reserve
peatstind by RESPA for waaticipated dickarcomsmate oF dishurscments defers the Bormwee a peymeats soy
available in the accormt may aot be based on amounis due for the mas 28 insurance premium.
Af the umounts held by Lender for Saerow hems extead the amounts permitted 5 be heid by RESPA,
Luster sball acavsnt to Borrower for the exness flindy se requived by RESPA. Tf tho auanats of funds held by
Lender at day time are not suf foian wm pay the B sy ans when dag, Lanier mey notify the Roerower sd
saquize Bomower to snake yp the shoringe ua pemmilted by RESPA.
Ths Racrow Fs is are plerigest as adtiitional sncnity Sir alf sums anaed Ly Sis Senet Anstearnent
Borrower tenders 19 Lender the Afi psyment of ail ach sons, wrawer’s yevount shall be credited (8 sin
Ddalanot remamning for all iustallmmont terns (a3, (9), and Ce) and any movigage Insaraace pent foxstestonenst
ual Lender hes noi become obligated
19 pay G9 i Soorasary,axl s ahatt promptly esta any exo
Sands (o 8 er, Heine ptior fe a Garectosine sale of the Froserty or ite acquisition Lender,
Borrewes's socount chall be credited with auy balance maxssiniug Zor all instathsente fox tems (a}, (Band (ce).
atarerelertase|
oe eR MERSORE PES Foun $798 Amended 1/0
MP SHEA (OH) 0902)
Vilters Kinwes Financial Services
Eranktin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K9
%
so
ss
Application, of Payments. AB paytiens under pw ty Cand 7 abt fo appliedhy Lenderot
follows: ays"
Rist, fo the misstgage dnsuranoe preawiun to be paid HA EERSE to the Secretary or to the muwibly charze
by thSecretary instead of the monthly mortgage isnuass pees;
Seong, to auy taxes, special assessments, eng syinents oF ground sebts, and fre, Rood and other
Trazard tsrurssce premiuws, ss required,
Third, co imerest due under the Note, aX s y
‘Fourth, t aristivation of the principalGtke Nowe; and
Fig’, law cherges dhe under he Naor
A Fire, Blowd sad Other aire Instance, Borrower shall inans af ingrovsmenis cr the
Pragerty, wv now ino oof ssbsoqtomly etacisd, against say hmzords, cameos, and
ceontingendies, including fire, for wht Lender mquites insane: i es ance shell be waintwsnd in the
amounts aid fhe the periods Seek Lender eequites, Borrower stall also insure aff ingovementy on the
Proyerty, whetiee now ip exiatce ox subaecuently erected, aghinet foss by Soods to the extent coguiced By
the Serrotory, Sit innuattiyg shall Ge carcies! woth companies approved by Lender. ‘The insurance policies ad
any ronmaols shall etheidiby Lender and shalt inctuds loss pm ie cfuuses in favor of, and in s form
acceptable to, Leadte s
da the 21 “ha, Sonwer shal give Loader inumadists notice by mt Lender may anke proof of
Joos if nod made pronipily by Borrawor, Esch ineuranos company concerned is hereby authorized and diverted!
te suke payment for such loss divecily ta Lender, instead of to Horrower and to Lender jointly. AR ar any
pur of the insurance proveeds ay be applied by Lender, at ils option, either (@) to the reduction of the
indebtednos under the Mote and this Seourity fnstnmncat, fire to aay doling wu appl the oncier
in paras 3, and thes fo prepayment of principal, or (b} t the restoratic oF sepait of the damaged
Progerty. Say application of the orocwads ta ste pemcinal stall not extend oF postpone the dun date of the
monthly payzsonts wh aren tw i parngs or change the amours of wx payments. Any excess
Inswence provteds wer un atiunt cequined to atl outstanding indebteduess under the Note ond this
Sesey Instrument shall bo poss fo the entity legally eutitied thereto,
Se cyent of forectomne of this Seoity Geerument or other transfer of title tw the Proyerty that
exingustes the imiettediais, atl ight, tile acd istorest of Baerower is and co tnsesance patiates in Soren stall
pus to the parchseer
3 ‘Oncupaney, Preservation, Mufitenagce and Protesion of the Progeny; Berrovi’ Lous
Appllestion: Leasehelds, Borrower ahs? oc establish, aud we the Property as Borrawer! i
veaidenoe wi ws aity days aller the axevution of Security {netnsmest Cor thin op days of 3 fates s2
e teansiee af she Property) anf shi sontinue fo ccray Proper yy as Rovrowisc'a pesncion’ exvislence the at
East year affes the date of ocoupaucy, unbiss Leader determines thet seguirement will cause. uocke
hanéhip for Borrower, of unlest satenuating cicumstances eke which ate beyond Berrower's contol
Rorsawes shel! net Leader af say exteauntis samstauees, Bormower abel not soounit wete or destroy,
dowage or ecbstentially change the Property ar allow the Propesty to deseriorat reasonable: weae and fear
sxcopted, Lender may inspect the Property if the Prapsss im vacant av shanda ‘og the Loan is i dafauss
Eames may tke reasonable action to pn t aud pegeive much vacent or duandoned Property, Bosrawer ahstt
[Siete rere: G] re
FRA Opened Barigage with MERE Form 4/96 Amending 1/02
VME @ YMPSNIG) {0903}
Wolters Kkswer Financial Services Page $0
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K91
%
so
ss
tes
also be in éoftult {f Borower, during the fom upplisation meteridly five oF huscutnie
int ition oF statements to Leuier (ar failed 3 peuvide Londo!’ ‘ath yy ‘nuitesiad nformation? ix connection:
with the fone evidensad by ste Note, iecheding, but sot fused2, copresaniations concerning Borrower s
acagney of tbe Propers 88.8 petineipal residence, HE gilkSetufity Jaszumeat is na a Seeeinld, Borsuwes
stall cumply with the provisionsof the fom, H Bosrostaehoghinss fo tie the Feaperty, the Jeuschald and
foe file shall not Se rneiged uniess Lender agress i Aaigrges in wrishag,
6 Condemnation, The procacis of spf’ Saad’ or claim fer damages, direct of cussmpestial, io
connection with aay condemnation or cites Why ‘pact of the Property, oo for eoewsyunee i pinoe of
condemnation,
are hereby assigned and shalt Ge pale Render te the extent of the fil amgunt of the
faedstercineas thet remaics wap unde ieaflote mud this Seoutity {naire Lender at apply auct,
procesis tp che reduction of the HESS Gordes the Note and
and sis Sexarity Inteameet, fret te any
Selisyient amounts applied it ths offer brovided in persgzaph 3, and then te prepayusnm of principal, Asy
pplication of the proceeds to Seee ai sb net exteL F postpone the dus date of the mont payitents,
whieh wee referred to i paraga ‘ar change the ausnant such paykonnty Any osces sravneds COR at
arnuunt semtized to pay, aff outstanding indebtedness under the Note and this Scourity instrument nail be paid
‘the entity feel Ypreie.
Charges sveuwer and Protection of Lender's Righty in he Property, Goruwer shell pey
governnan 8 charges, fines sed icapossitians that ate tot 8 fe yep aps 2, Sorcawer aki!
pay these abl cm Sime directly to the emily which is owed the payment, TF feilute ke pay works
advecsely aflent Liade:'s intrest sn the Property, upon Leader's request Borrower shall poomptly facrish
Lender receipts evidensing these payments.
if Rorwewer fils to minke these guyments or the paysnents roquiced & graph 2, oy falls 1 poeihrst
any other cuvensats and agreements confsined in 8 ity Instrucsem, we tere ig 4 legal got eg ha
aay significently aftect Lender rightsin. the Properry (ssoh as a proceadiny is basterupte for onsdentien
ax te enforce faws os 2vgufations), then Leader may de aad say whatever fs necensaey 10 protecttl AW of
the Property snd Lendes’s sights in the Property, including payment of taxes, henard femaemnee aad ee stores
sratiosad in geragraph 2.
‘Asp amounts disburexd by Lesides meer thie paragraph shal! Hoonmewn additional debe af Norzowse ant
‘be recuredd by thie Ueouriky Instraceont. Thee ancnts zhsl bee ext fom dine dase of dsbuceassen at the
Note x andi af ho of cat of Landes, shall be im mcditey dsdu and payable,
Borrower shal explly digcharge 2} iex wi oer this Seaurity Insmament unless
Borrower: (8) sypsen te writing (0 ays of the ob ine eaeouwed by the Hes in s ismantier aocaptadte
Lender; ‘contests ix good faith the by, oF defends ageinst eufieoeromnt of the Hien in, fagat proceedings
whieh tie Lenie’s opinion operate to provent tic euforornent of the lens or (@) sooures ftowa ihe Hokderof
Sve Jen an cement sehstactosy to Lender subodineting the Nes fo dia Seouri inamumrent, If Lendee
setermines shat sy ys ‘of the Peopesty is subject to a Ties which may attain. pri cover this Seewity
Taxterment, Lender may give Borrower « notice iden be Mon, Rocrower shail satisiy she feu or ibe one
it svese afthe aatons set forth above within 10 days a the giving of watien
& Fees. Lon: ray collec (eas and cherges madhcsized by the Sencotery.
Keuaaoe aa neeeon Cy) CEE Fenn 4°96 Amended 1402
VMREIN(OM) (8902)
Wolters Kiuwer Finenoisd Sorviass of £3.
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145
0OD164 - K9 .
%
so
ss
So
% ‘Grouuds tor Acceleration of Debi.
{@) Default, Linxiee say, except os limited hy regdlation’ inoue’ by she Secretey, ia the case of
payment defauks, ceguie immediate yayuamt it ane secured by this Security fastsuvnent
if Ss as
4} Borrower defaults by failingp> ge RA any monthly payaieat requited by this Soul
Instrument prior to or on tha due dgitig? the next monthly payroant, or
Gi} Borrower deiilts by fhiting’ We apeviea of thiety days, & perform any other ebligetioas
contained in this Soourity Ingirtitont.
(De Nate Without Credit. A Ae HEAL Lender shall, if permitted fy appliesble sw fincludiny
Seotieas 243(4} of the Gara-St!Gehmuain Depository InstitutionsArt af 1982, 12 U.S.C. YH 3D}
and with the paior apy She Beeretary, seq insuedists payment ‘8 fall of i sume secusedd
by this Security Tnstrome:
a All or paitof the Property, or & Seneficial interest in a trust al’ on part of thus
Broperty, is 5 pt Mhonwike transferred (other than by dincise ar descent), sud
(Gi) The Propelty is not ovsapisd by the puxchasse of grantos as his ay hes principal
reste ‘See purchuaer os grantee foesse nocupy the Prapesty Gut his or her credit bas nse
‘sopthved in accordance with dhe raquibesmmuts of the Seoretary,
) Ra Waiver, If ol skancos opcus that would permit Lender to roqsire immediate payrment in
Fay PBimdke does not requis such paytwnts, Lender does not waive its rights with reapect £0
rubsecgient events
(&_ Regulations of HUD Secretmry, fx many oixeusstanees mg 3 iaswad hy the Sooretary
will Hint Lender's tights, fx the nase of paysoent dedaults, so reqite itsmaeiste payment (a Ak ancl
forenloze if nat paid. ‘Fhis Security instrumest doce stot authorise ascelesation of forectosues iF met
pesntitied by regulations of tke Socretery.
fg) Martgage Not Incurad, Bosrowar sgress that if this Security inatrument asd the Note ate nist
ede de Sigitte fie insurance under the National using At within 66 sys fhess te,
eo, Lamler mey, af ite option, cequere immediate aayouant in Gil of all stuns severed by
ths Security ustroment, A written alatement of aiy authorized agent of the Gercetsry dated
axhoaquent to 62 dey fem the daw ikea’, declining to insure this Seoutity Laetnanent god thes
Nate,
shail be doamad conchative proof of such gibiisty, Notwith
Preview
Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0D164 - K81 IN THE COURT OF COMMON PLEAS FRANKLIN COUNTY, OHIO Pee eee ee eee eee Hee EE EEO RE EH EEE EEE E EOE EEE EEE EEE EEO ORE EE EES Nationstar Mortgage LLC Case No. 8950 Cypress Waters Boulevard Coppell, Texas 75019 Judge Plaintiff COMPLAINT FOR FORECLOSURE YS. Anna L, Keenan 770 Ronson Avenue Gahanna, OH 43230 Miles J. Keenan 770 Ronson Avenue Gahanna, OH 43230 Franklin County Treasurer 373 South High Street 17th Floor Columbus, OH 43215 Hunters Ridge Section 7 Association Attention: Legal Department 6079 Northgate Road Columbus, OH 43229 Defendants. Now comes Plaintiff, Nationstar Mortgage LLC, who hereby alleges and asserts against the Defendants as follows: Background 1 Anna L. Keenan and Miles J. Keenan executed the promissory note (the "Note") that is the subject of this action. A copy of the Note is attached hereto as Exhibit A. 16-017772_SPK2 C2 Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 OD164 - K8 Attached hereto as Exhibit B is a copy of the mortgage (the "Mortgage") that was validly executed in connection with the execution of the Note. The parties to the Mortgage intended that it attach to the entire fee simple interest in the property. The Mortgage was recorded November 9, 2009 as Instrument Number 200911090161326, Franklin County, Ohio records. The Mortgage is a lien on the property (the "Property") described more fully in the attached Mortgage. The Note and Mortgage are in default. Plaintiff has satisfied conditions precedent and declared the entire balance due and payable. COUNT ONE: BREACH OF NOTE 6 Plaintiff incorporates each of the preceding allegations into Count One by reference. Plaintiff is due upon the Note the principal amount of $130,803.00, plus interest on the outstanding principal amount at the rate of 5% per annum from March 1, 2016, plus late charges and advances and all costs and expenses incurred for the enforcement of the Note and Mortgage, except to the extent the payment is prohibited by Ohio law. Plaintiff is a person entitled to enforce the Note. COUNT TWO: FORECLOSURE 9 Plaintiff incorporates each of the preceding allegations into Count Two by reference. 10. The Mortgage is a valid and subsisting lien on the Property, subject only to any lien that may be held by the County Treasurer that has priority over the Mortgage as a matter of law. ik The Mortgage was given to secure the Note. 16-017772_SPK2 Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K8 12. Plaintiff is entitled to foreclose the Mortgage due to default. See Exhibit B, Exhibit C, Exhibit D. 13 The Preliminary Judicial Report attached to this Complaint as Exhibit E refers to other persons, if any, who are named as defendants in this action. PRAYER FOR RELIEF 14. Plaintiff prays for the following relief: e judgment against Anna L. Keenan and Miles J. Keenan in the principal amount of $130,803.00, plus interest on the outstanding principal amount at the rate of 5% per annum from March 1, 2016, plus late charges and advances and all costs and expenses incurred for the enforcement of the Note and Mortgage except to the extent the payment is prohibited by Ohio law; a finding that the Mortgage is a valid and subsisting lien on the Property, subject only to any lien that may be held by the County Treasurer that has priority over the Mortgage as a matter of law; 16-017772_SPK2 Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K8 an order (1) foreclosing the equity of redemption and dower of all defendants named in this action, (2) requiring that the Property be sold free and clear of all liens, interests. and dower, (3) requiring all defendants to set up their liens or interest in the Property or be forever barred from asserting such liens or interests, (4) requiring that the proceeds of the sale of the Property be applied to pay all amounts due Plaintiff, and (5) granting Plaintiff all other relief, legal and equitable, as may be proper and necessary, including, for example, a writ of possession. Respectfully submitted, / Michael E. Carleton, Esq. E. Timken (0071381) hael E. Carleton (0083352) David F. Hanson (0059580) Matthew P. Curry (0078306) Manley Deas Kochalski LLC P.O. Box 165028 Columbus, OH 43216-5028 Telephone: 614-222-4921 Fax: 614-220-5613 Email: ket@manleydeas om Attorney for Plaintiff “Please note: The documents attached hereto may have been redacted to remove personal information and personal identifiers, such as financial account information, social security numbers, dates of birth, and similar information to further protect the privacy of borrowers and mortgagors. 16-017772_SPK2 Franklin Count ty Ohio Clerk ofgpur's of the Common Pleas- 0@vs 01 1292 PM-16CV007145 0OD164 4 K8 « Ss & MEN: Maliinate NOTE ptaeieletce! Detoher 24. 2808. FER Ronawa Ava... Gokatma, Osta 49420 Perey Adieess) 4, FARES "Bemewex" nreans mach parson dlgniay at the and of des Nets, aad the peroma's senassnons acd nssinn, y “Leader” aieany Mniked thalosale Mrtqars audity mocrsane aad sedge 3 BORURERR'S PROMISE TO BAY) INTERES? Aryecen the a lon seneived frum Leader, Borovas pemions 1 pay the gtinpsl amof sae Mundzad forty Seven YousNd Nive Muadesd Pie Five end 8/108 Dolla GES § 347 889.08 3, plus inmost, fon anlar of Lemicr, [nterut wit! be charged! on mnpaid priecieal, ‘Hom ths dass of dinbuxamnent of the lose procends by Leads’, of tha nate of ive pesvant{ $.20G Si} pe your wall Ih HOR eemoeat of pelosioel fas hea pals, 3. BROMISE PG PAY SROUREE jceromer’ x promiss to payis roctiead by a: se, Goud of ust ox shullse souucky iesteumend tied is dated tlic sane dato ag this Hote and catiad Me “Security lnediaess * Nee Reoutity Snvtowent protents the Leader tho taskes which ght neue ff ‘Fiewcoyrer Aaikulty onder chit Neie, BANNEROF PAVHENT. {8 Daw ‘Boniwes dhail make a gaynisat af principal end intent te Lander om dip Aint day of cack mat Degieaing an Bavamber J. + 2008 ~ Any’ peintipal and Aderost remaining inn the thst digat! Homembar * 2829 » EB doe tn that date, hiked is called the “htwarky Dake 4B) Mace ‘Payment ial: Saanedeat $10. SON S79 Binainghay MECMIGMT Geeks se at geeks pes a4 Lender ney, ego inoesitiag fy noliee ths Borrower. C) Ament Bech mowsely payment of prinaipal oid incon will be in the amount sf U.S. 8 FADER » This memset sv be parsof 8 Inger nlonthly gapnanet seguied fy: the Seoweity, Fngtumont, Slat shall be applied to geinelpal, latest sad other ites Gn ths ete dautribed in the Sseurity doomed. AD) Atfonge ts th& Note hex payment adjustments Tan singe pro ding, dae gaynent sdsineay is aurouled hy Ronower togahar with Sis Note tae oveniaats ef the Mlauge sal! be luowepueated Inte ane shall amend and supgheuwnt the coveonis of Gly Note as the alloage were «pat of SHENOS [Choxk apptirable box} # (ocassted Pays Aidange CTlonowitna Sastyy Adeayo {loiter fran 3% RORROWER'S RIGHT 10 PREEX vont BAS Suit & yay the debe avidinod » this Nate, davshote o: tn part chews, aw pammlty, oo the fest day af ery moniG, Loader shalt arcags prepayment an we Gaye presides tak Bocro eae risenon die anus prepa Ae She seaside: of thie anonth te the ackent sontined by Le and pegadtisd by regulations of She Seeceiacy, If Burraneer makes 3 ae BRON, ee SA He ne changes fn the dae diate ee’fh the aeunent eb thy wad payment Gules Lender agseas in, i Hhka TH RRMAS, ‘Sleds Hiss Dae es (008. AR ae Peet 2 eos SONS RHI xet 7) ates emicie| acsie (cl Gi(a16| xpenetin County Ohio Clerk ges of the Common Pleas- 2048 Avs 01 12:32 PM-16CV007145 0OD164 & a §. BORROWER'S FAILURE TO RAY $A Late Charge fox Cvantag Popmnency ‘EC Luwetey Has ant reveived the hl mmethty payment maguire by the Security Hnsirument, ax described in Poragragie A(C) af ths Note, by the ond of Ziffeea antonday daye aller the gagmast by due; Loader soy wollsat a late charge in the amount of Daw peromt { 000899) oF Hic onadiox eonnnat af cauh parm’ CB} Doteate WEomiaes detealie by Gils 8ip do pay A Gal nay meu peje, heat Lone emer, a iuglted By sngutotions of sn Shoretney’ its ties sree af papment defiudls, yeghine rmiiate payers dn. tthe seineipal nox sematning Hs ane all scorned Intesest, Lester may sheaus net te searelze this optias: y aud waded vighis ia dhe event of any aihyeguest deel. In muy visumetanoys regulations issued hy de Secesiasy wi Ys Lauder a dekts to require fameadl pagusent Bal fn the ease of pemeaent dediadis, ‘This Pinte does Gok nathosige nagleawti¢n vaisa NOL pAiutted by HUD yegulatinie, Ax wsdl in Oe Note, "Seaoeey" mus fie Gometay of Housing aint Ushos Peestopment or hisar her desigaee ‘Poyuwnt ad Costs aot Sepeases Laxderhax miquired fmineadtaty paymend in GR, os dexarided abown Lendexmer renuins Esevowne Jb pay cust aad ek inching xensmnialis ond otstemary ateranyy fees foe entheeing this ois i the oxtens uot prohibited by $50. Shab fey acdl onus chiatl bee Innumst Gom the date ad’ dhigusesn! at De saws rate gy Gee paid ais Nows, B WARVERS: ‘KORTE dod Aly Othe pene Bhs hee obligations makes this Note Wwalve the rights of prensaimion! and aotice a Gehan, "Feereuttorat means de right & ogulte Lender to dominal pymeat ef NORE gs, “Hlesicg af distionar® mane Hie Night to vequire Lanier to give matise fo sthar parsons that amouets dao have nat been pad, & ORVIRG A NOTIONS Rouble Jay requires 8 different method, soy duties thit mestbe gives to Borewwer undee ih He Will be given dy Sollstetng it or oy mailingit by feat nines sual fo Borrower at fs properly addbess stove oo af a different adivess & Rare has phen Lender x noting of Gerrowers diftxes adchens. Any Entioe that minal bs given le Leauler under kbs Note will be ‘given Ly Srae clans snail 95 Loencos at the adders natedSy Paragraph 418) er al a diferent odddeesy if Bon user Se given a notice af shat diffieant aiktnies. 3. QBLIGATIONS OF PERSONS UNDER THIS MOLE ‘Af meat thant ob pargua signe this Neda, dork persre § Ally aud prrsonedly WeigelW hoop all af se Prowler ined Se, fils Mota, Insinding the sootsiae tu pay the Aull mount owed, Aay paceen who 1s b guicinbyy, cussty or madzesiy of ths Now fe sou adilguiof to dh dhage ays. Any person why tskes aver thee Cllgations, Juchiding the oktimtions ofa mmaantan, surety ae madacser af HiNY Note, ig alsh obligaind to Keay sil a the pomnises fe tA Nita, Vander my enforce fs sghis mrder us ‘Mio agninet atch parses: iSaally o¢ ageinst alLagnatgsice Logeding, bey sue perma signing tly Note many be seqnived $s. ‘pay Al xf the suncsinty oved sasker iis Note. BY SULTING BRLOW, Borrower aooophy and agnies to Ge tres aad enwansints eanainad ka thls Nake: a od Gl pes ead, &A Rad SNR}. KOEI Bonswer MELAS O. RRR sees Sad Brae NS THERESE teres Ne Sead wih SHURE SIR SORTSAGE igen Banawwee Posse nena ey BTR a eS Ree}. ee} kw sBamowsy Fope Rots PAY TO THEORDEROF OUT RECOURSE BANK OF MRRCE SP * BY, SENIOR Se CRESIDENT Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K8 TEE S 28093 1098161326 BS odie & Sotert 6. 8 Branhlin County Recoreer % oh ptcser-tetces| a The, g = oh Raison Tos ved Wholesale Mortgage, YP gouth Adane Head, Bimaingham, MICHIGAN 42009 Ss Space Above This Line Kar Recording Data} a State of Ohio OPEN-END MORTGAGE —y 8 FRA, stase! __! %, Ml erecta) THIS MORTGAGE (*Socurity Instrucess} is given on Oovobex 16, 2008 ‘The Mortgagor js AWRA i. RERNAN and BILRS J. USENAN, WIFE AND HUSBAND whose catrent rsiting xidscss is 776 Romwon Ave., Gahanna, ON 62250 “Rortowss"} Thin Skowity Instrument is gives to Mortgage Elecvonle Registration System’, ix EMERS"), (eciely ao somiuee for Lender, a& hexeinadtey defined, sm Lendes's awocansers and sess), 2 mortgages, MERS is organized and oxiating under the lays of Delaceare, and has an address ad telepaons sever of P.O, Box 2026, Flint, MI 48501-2006, sel. (888) 677-MERS united Nholesale Koxtgage rate ee FHA Opes Movignge with MERS-OH ee HA Foun $796 Ameadat 102 ye? © ‘VMPEN(OH) 40902) Wolters Kluwer Pisnnolat Servioas Page {of ataie rs eitote| adaielzleitcte| Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K8 % so ss tes (*Lesder"} is organized and exiting under the laws of RECHIGAR™ aud tutso addree of S88 South Adee Row Meek ing, St aas03 rrowst aves Lender the pritcipal aun of dna Hundred Forty sevsn Thousand Five Ria2‘tena Pitty Five and 06/106 y Bolkecs (WU. $247,588.08 This debt i evidenced dy Rorawer's note te wae date xs this: security Instrument ("Hotes which provides for monthly payments, witS bef Af, if net pald carl se and payshle att Newest: g, 2039 i Jnvieumats seeves 8 Leder: (a) the mpoymnent of the debt evidenos! by the Note, with interest, me2 gS reiewa’, extensions and modifications of the Note; {6} payment of all other sums, with inte yasced under parsgisph 7 to protect the secant of this Security nstroneng and fe) the performancg’| ot Rodawer’ 'S Cowman and agreements under8 Security fatrement aR hs Moss, x this puspowe, Hirober does feraby morgage, gssat and convey ty MERS Giotdy as romineefor Lender ant Lenditla guczessars and asvigns) and to the suocegeors and at MERS, 2 Bullewtng, i vied grepenty lodeted in Franklin Cs sayy OMI SHR AYTACARD mxagBLT % 8 Ss ‘PaceTD Number: €25-095407-05 ‘which has the address of 77G Rowson Ave [Soees Sahsnna iCity}, Olio aanae fatip Coss (Pecgetty Address}; TOGETHER WITH all the improverenis now a hereafter erectedon the propsity, ond all osecmneite, appurtenances ene Zxtures niw oF heseafter a gar! af the property. All raphweements and additions shall abs be: covered by shis Seourlty I meni. All of the formgning is refrred to in this Seoority asbumant a8 Property, * Borsawer inderstends and agrecs that MERS holds onl | ike to the interests grated Sorower in this Serurity Enstrwnent; but, if pecans tp oumply with fow or custass, MBRS, 0 sess fer Tender sed Lande: suocessers suxl ass! }, fay the tight: to exercise any ox all of those iaterests, seek od Simited te, right t@ foreaiose snd aeif the Property; and to take any aati ogured of Lancet incl adding, tot nat Limited to, sedeweing os ca ng tls Geourit tranest, arts] FHA Open and rigugs with MERS-OFE per Roomy $26 Aumnited 1/22 VAP © ‘VMEAN(OH} £0962) Walters juwer Fuancial Services Rage 2 of LI Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K8 % so ss Sage BORROWER COVENAN' tht Romewor is lawfully sel Sf the astato hereby eonveyad sad has the wight to mostgage, Brust aad convey the Propeny and 18 ke Property is unmownbeed, except for enoembrauces of resord. Reroower secrants and will we "pencrally sho title to the Propacty sgaiias ail elsims aod demands, subject to any exewmbsances of readied THES BECORETY INSTRUM Y combing wav oomsianty far autlonal we and aosunifeess covenant with Hanited varistions by juxisd PY Regrittinute wuaiform security tasttuaent covering real peopent oe, &, Rorsower une! Lenfer cavensat red tots iatlows: UNIFORM COVENANTS. & Payment of Principal, Infarct, ‘ait ‘Hate Charge Bortewer shelf psy when das the principal of, and istemst a0, the debi evidenced ty the Note aud late charges dae unider the Note, 4, Monthly Payment of Tika) Insuranee and Other Charges, Boxower shall includs ix ead mionthly pawnent, together wik ncipal avd Solevest at sot forth in the Note aud any iste charges, s stan for (a) taxes and special, assesdiients Yevied or to de levied sgainat the Propecty, () leasehold payment ar ground rata om the Patparty, andl Co) pentane for insurance seal aukher paragraph4, ia any year #5 whieh th nis RL FRY 8 mUsTgAgE ineURBIES promiun to the oseaty of Housing and Urb Development WGecteesry?) or in any yeae és which uch promixen wonld have been recuieed § Lender still held the Soa stlament, each monthly payment shalt aloo include eithe {i} a sus for the am sortgeigy insunttige premium to be peid by Leudar fe the Secostery, ar {i} 2 cuthiy change insted mostgage insurance: premian 8 is Security testeioment is keld by & Secretary, in 2 reasonable amount to be dvtermined by the Secretary. Bxospt for the monthly charge dy the Secretary, “Woes itanns sae called "Escrow coms? ad the mamta paid in Leader are eaiied Esco Funds Lender 23 af any tin, eollect and hold symounts For Recruw Teas ik as aggregate suo aot (6 sxcved ie mani mi UOURE Het may be requied Sur Borrower's escrow account wader the Beat Retate Settizment Procedures Ast of IM, 12 B.SC. Saction 2601 af sag. aud implementing mgulations, 24 CBR Pact 300, as they may be dod Sram tine te time CRESPAT), exeopr that the cushion reserve peatstind by RESPA for waaticipated dickarcomsmate oF dishurscments defers the Bormwee a peymeats soy available in the accormt may aot be based on amounis due for the mas 28 insurance premium. Af the umounts held by Lender for Saerow hems extead the amounts permitted 5 be heid by RESPA, Luster sball acavsnt to Borrower for the exness flindy se requived by RESPA. Tf tho auanats of funds held by Lender at day time are not suf foian wm pay the B sy ans when dag, Lanier mey notify the Roerower sd saquize Bomower to snake yp the shoringe ua pemmilted by RESPA. Ths Racrow Fs is are plerigest as adtiitional sncnity Sir alf sums anaed Ly Sis Senet Anstearnent Borrower tenders 19 Lender the Afi psyment of ail ach sons, wrawer’s yevount shall be credited (8 sin Ddalanot remamning for all iustallmmont terns (a3, (9), and Ce) and any movigage Insaraace pent foxstestonenst ual Lender hes noi become obligated 19 pay G9 i Soorasary,axl s ahatt promptly esta any exo Sands (o 8 er, Heine ptior fe a Garectosine sale of the Froserty or ite acquisition Lender, Borrewes's socount chall be credited with auy balance maxssiniug Zor all instathsente fox tems (a}, (Band (ce). atarerelertase| oe eR MERSORE PES Foun $798 Amended 1/0 MP SHEA (OH) 0902) Vilters Kinwes Financial Services Eranktin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K9 % so ss Application, of Payments. AB paytiens under pw ty Cand 7 abt fo appliedhy Lenderot follows: ays" Rist, fo the misstgage dnsuranoe preawiun to be paid HA EERSE to the Secretary or to the muwibly charze by thSecretary instead of the monthly mortgage isnuass pees; Seong, to auy taxes, special assessments, eng syinents oF ground sebts, and fre, Rood and other Trazard tsrurssce premiuws, ss required, Third, co imerest due under the Note, aX s y ‘Fourth, t aristivation of the principalGtke Nowe; and Fig’, law cherges dhe under he Naor A Fire, Blowd sad Other aire Instance, Borrower shall inans af ingrovsmenis cr the Pragerty, wv now ino oof ssbsoqtomly etacisd, against say hmzords, cameos, and ceontingendies, including fire, for wht Lender mquites insane: i es ance shell be waintwsnd in the amounts aid fhe the periods Seek Lender eequites, Borrower stall also insure aff ingovementy on the Proyerty, whetiee now ip exiatce ox subaecuently erected, aghinet foss by Soods to the extent coguiced By the Serrotory, Sit innuattiyg shall Ge carcies! woth companies approved by Lender. ‘The insurance policies ad any ronmaols shall etheidiby Lender and shalt inctuds loss pm ie cfuuses in favor of, and in s form acceptable to, Leadte s da the 21 “ha, Sonwer shal give Loader inumadists notice by mt Lender may anke proof of Joos if nod made pronipily by Borrawor, Esch ineuranos company concerned is hereby authorized and diverted! te suke payment for such loss divecily ta Lender, instead of to Horrower and to Lender jointly. AR ar any pur of the insurance proveeds ay be applied by Lender, at ils option, either (@) to the reduction of the indebtednos under the Mote and this Seourity fnstnmncat, fire to aay doling wu appl the oncier in paras 3, and thes fo prepayment of principal, or (b} t the restoratic oF sepait of the damaged Progerty. Say application of the orocwads ta ste pemcinal stall not extend oF postpone the dun date of the monthly payzsonts wh aren tw i parngs or change the amours of wx payments. Any excess Inswence provteds wer un atiunt cequined to atl outstanding indebteduess under the Note ond this Sesey Instrument shall bo poss fo the entity legally eutitied thereto, Se cyent of forectomne of this Seoity Geerument or other transfer of title tw the Proyerty that exingustes the imiettediais, atl ight, tile acd istorest of Baerower is and co tnsesance patiates in Soren stall pus to the parchseer 3 ‘Oncupaney, Preservation, Mufitenagce and Protesion of the Progeny; Berrovi’ Lous Appllestion: Leasehelds, Borrower ahs? oc establish, aud we the Property as Borrawer! i veaidenoe wi ws aity days aller the axevution of Security {netnsmest Cor thin op days of 3 fates s2 e teansiee af she Property) anf shi sontinue fo ccray Proper yy as Rovrowisc'a pesncion’ exvislence the at East year affes the date of ocoupaucy, unbiss Leader determines thet seguirement will cause. uocke hanéhip for Borrower, of unlest satenuating cicumstances eke which ate beyond Berrower's contol Rorsawes shel! net Leader af say exteauntis samstauees, Bormower abel not soounit wete or destroy, dowage or ecbstentially change the Property ar allow the Propesty to deseriorat reasonable: weae and fear sxcopted, Lender may inspect the Property if the Prapsss im vacant av shanda ‘og the Loan is i dafauss Eames may tke reasonable action to pn t aud pegeive much vacent or duandoned Property, Bosrawer ahstt [Siete rere: G] re FRA Opened Barigage with MERE Form 4/96 Amending 1/02 VME @ YMPSNIG) {0903} Wolters Kkswer Financial Services Page $0 Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K91 % so ss tes also be in éoftult {f Borower, during the fom upplisation meteridly five oF huscutnie int ition oF statements to Leuier (ar failed 3 peuvide Londo!’ ‘ath yy ‘nuitesiad nformation? ix connection: with the fone evidensad by ste Note, iecheding, but sot fused2, copresaniations concerning Borrower s acagney of tbe Propers 88.8 petineipal residence, HE gilkSetufity Jaszumeat is na a Seeeinld, Borsuwes stall cumply with the provisionsof the fom, H Bosrostaehoghinss fo tie the Feaperty, the Jeuschald and foe file shall not Se rneiged uniess Lender agress i Aaigrges in wrishag, 6 Condemnation, The procacis of spf’ Saad’ or claim fer damages, direct of cussmpestial, io connection with aay condemnation or cites Why ‘pact of the Property, oo for eoewsyunee i pinoe of condemnation, are hereby assigned and shalt Ge pale Render te the extent of the fil amgunt of the faedstercineas thet remaics wap unde ieaflote mud this Seoutity {naire Lender at apply auct, procesis tp che reduction of the HESS Gordes the Note and and sis Sexarity Inteameet, fret te any Selisyient amounts applied it ths offer brovided in persgzaph 3, and then te prepayusnm of principal, Asy pplication of the proceeds to Seee ai sb net exteL F postpone the dus date of the mont payitents, whieh wee referred to i paraga ‘ar change the ausnant such paykonnty Any osces sravneds COR at arnuunt semtized to pay, aff outstanding indebtedness under the Note and this Scourity instrument nail be paid ‘the entity feel Ypreie. Charges sveuwer and Protection of Lender's Righty in he Property, Goruwer shell pey governnan 8 charges, fines sed icapossitians that ate tot 8 fe yep aps 2, Sorcawer aki! pay these abl cm Sime directly to the emily which is owed the payment, TF feilute ke pay works advecsely aflent Liade:'s intrest sn the Property, upon Leader's request Borrower shall poomptly facrish Lender receipts evidensing these payments. if Rorwewer fils to minke these guyments or the paysnents roquiced & graph 2, oy falls 1 poeihrst any other cuvensats and agreements confsined in 8 ity Instrucsem, we tere ig 4 legal got eg ha aay significently aftect Lender rightsin. the Properry (ssoh as a proceadiny is basterupte for onsdentien ax te enforce faws os 2vgufations), then Leader may de aad say whatever fs necensaey 10 protecttl AW of the Property snd Lendes’s sights in the Property, including payment of taxes, henard femaemnee aad ee stores sratiosad in geragraph 2. ‘Asp amounts disburexd by Lesides meer thie paragraph shal! Hoonmewn additional debe af Norzowse ant ‘be recuredd by thie Ueouriky Instraceont. Thee ancnts zhsl bee ext fom dine dase of dsbuceassen at the Note x andi af ho of cat of Landes, shall be im mcditey dsdu and payable, Borrower shal explly digcharge 2} iex wi oer this Seaurity Insmament unless Borrower: (8) sypsen te writing (0 ays of the ob ine eaeouwed by the Hes in s ismantier aocaptadte Lender; ‘contests ix good faith the by, oF defends ageinst eufieoeromnt of the Hien in, fagat proceedings whieh tie Lenie’s opinion operate to provent tic euforornent of the lens or (@) sooures ftowa ihe Hokderof Sve Jen an cement sehstactosy to Lender subodineting the Nes fo dia Seouri inamumrent, If Lendee setermines shat sy ys ‘of the Peopesty is subject to a Ties which may attain. pri cover this Seewity Taxterment, Lender may give Borrower « notice iden be Mon, Rocrower shail satisiy she feu or ibe one it svese afthe aatons set forth above within 10 days a the giving of watien & Fees. Lon: ray collec (eas and cherges madhcsized by the Sencotery. Keuaaoe aa neeeon Cy) CEE Fenn 4°96 Amended 1402 VMREIN(OM) (8902) Wolters Kiuwer Finenoisd Sorviass of £3. Franklin County Ohio Clerk of Courts of the Common Pleas- 2016 Aug 01 12:32 PM-16CV007145 0OD164 - K9 . % so ss So % ‘Grouuds tor Acceleration of Debi. {@) Default, Linxiee say, except os limited hy regdlation’ inoue’ by she Secretey, ia the case of payment defauks, ceguie immediate yayuamt it ane secured by this Security fastsuvnent if Ss as 4} Borrower defaults by failingp> ge RA any monthly payaieat requited by this Soul Instrument prior to or on tha due dgitig? the next monthly payroant, or Gi} Borrower deiilts by fhiting’ We apeviea of thiety days, & perform any other ebligetioas contained in this Soourity Ingirtitont. (De Nate Without Credit. A Ae HEAL Lender shall, if permitted fy appliesble sw fincludiny Seotieas 243(4} of the Gara-St!Gehmuain Depository InstitutionsArt af 1982, 12 U.S.C. YH 3D} and with the paior apy She Beeretary, seq insuedists payment ‘8 fall of i sume secusedd by this Security Tnstrome: a All or paitof the Property, or & Seneficial interest in a trust al’ on part of thus Broperty, is 5 pt Mhonwike transferred (other than by dincise ar descent), sud (Gi) The Propelty is not ovsapisd by the puxchasse of grantos as his ay hes principal reste ‘See purchuaer os grantee foesse nocupy the Prapesty Gut his or her credit bas nse ‘sopthved in accordance with dhe raquibesmmuts of the Seoretary, ) Ra Waiver, If ol skancos opcus that would permit Lender to roqsire immediate payrment in Fay PBimdke does not requis such paytwnts, Lender does not waive its rights with reapect £0 rubsecgient events (&_ Regulations of HUD Secretmry, fx many oixeusstanees mg 3 iaswad hy the Sooretary will Hint Lender's tights, fx the nase of paysoent dedaults, so reqite itsmaeiste payment (a Ak ancl forenloze if nat paid. ‘Fhis Security instrumest doce stot authorise ascelesation of forectosues iF met pesntitied by regulations of tke Socretery. fg) Martgage Not Incurad, Bosrowar sgress that if this Security inatrument asd the Note ate nist ede de Sigitte fie insurance under the National using At within 66 sys fhess te, eo, Lamler mey, af ite option, cequere immediate aayouant in Gil of all stuns severed by ths Security ustroment, A written alatement of aiy authorized agent of the Gercetsry dated axhoaquent to 62 dey fem the daw ikea’, declining to insure this Seoutity Laetnanent god thes Nate, shail be doamad conchative proof of such gibiisty, Notwith