Preview
IN THE CIRCUIT COURT OF THE NINTH
JUDICIAL CIRCUIT IN AND FOR ORANGE COUNTY, FLORIDA
CrVIL ACTION
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, BV TRUST FOR THE REGISTERED
HOLDERS OF ARGENT SECURITIES INC., ASSET-BACKED PASS-THROUGH CERTIFIGATESr
SERIES 2006-M2, ^-^ZzZZZZ
Plaintiff, X-cZz'\
••<\''J-t-
CASE NO. 48-2008-CA-010702
r-^'-X-
vs. DIVISION 33
JOAQUIN MUNOZ; EDITH PATINO; ANY AND ALL UNKNOWN PARTIES CLAIMING' BY,-^
THROUGH, UNDER^ AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WftQ ARE
NOT KNOWN TO BE DEAD OR ALFVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN
INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS; ARGENT
MORTGAGE COMPANY, LLC; KEYSTONE AT MEADOW WOODS HOMEOWNERS'
ASSOCIATION, INC.; OAKSHIRE AT MEADOW WOODS HOMEOWNERS ASSOCIATION, INC.;
TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3, and TENANT #4 the names being
fictitious to account for parties in possession
Defendant(s).
/
AMENDED MORTGAGE FORECLOSURE COMPLAINT
Plaintiflf,
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, IN TRUST FOR THE
REGISTERED HOLDERS OF ARGENT SECURITIES INC., ASSET-BACKED PASS-THROUGH
CERTIFICATES, SERIES 2006-M2, pursuant to Florida Rules of Civil Procedure 1.190 files this Amended
Mortgage Foreclosure Complaint, and sues Defendants, JOAQUIN MUNOZ, EDITH PATINO; ANY AND ALL
UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED
INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID
UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR
OTHER CLAIMANTS; ARGENT MORTGAGE COMPANY, LLC; KEYSTONE AT MEADOW WpODS
HOMEOWNERS' ASSOCIATION, INC.; OAKSfflRE AT MEADOW WOODS HOMEOWNERS
ASSOCL\TION, INC.; TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3 and TENANT #4
the names being fictitious to account for parties in possession, and alleges:
COUNT I - MORTGAGE FORECLOSURE
1. This is an in rem action to foreclosea mortgage on real property located and situated in ORANGE
County, Florida.
FILE NUMBER: F08035538 DOC ID:M000300
2. This firm has complied with the notice requirement ofthe Fair Debt Collection Practices Act, 15
U.S.C. § 1692, et seq, as amended. The Notice(s) previously mailed by the firm is attached hereto and incorporated
herein as an Exhibit.
3. On June 29, 2006, there was executed and delivered a Promissory Note ("Mortgage Note") and a
Mortgage ("Mortgage") securing the payment ofthe Mortgage Note. The Mortgage was recorded on August 10, 2006,
in OfficialRecords Book 8798 at Page 1470, of the Public Records of ORANGE County, Florida, (All subsequent
recording references are to the public records of ORANGE County, Florida) and mortgaged the real and personal
property ("Property") described therein, then owned by and in possession of the Mortgagor(s). Copies of the original
Mortgage Note and Mortgage are attached hereto and incorporated herein as an Exhibit.
4. Plaintiff is now the holder oftheMortgage Note and Mortgage.
5. The Property is now owned of record by Defendant(s), JOAQUIN MUNOZ, and EDITH
PATINO.
6. The Mortgage Note and Mortgage are in default. The required installment payment of Januaiy 1,
2008, was not paid, and no subsequent payments have been made. The Mortgage is contractually due for the January
1, 2008, payment. The last payment received was applied to the December 1, 2007, installment, and no subsequent
payments have been applied to the loan.
7. Plaintiffdeclares the fiill amount payable under the Mortgage Note and Mortgage to be now due.
8. Plaintiffmust be paid $155,038.28 in principal on the Mortgage Note and Mortgage, together with
interest fi'om December 1, 2007, late charges, and all costs ofcollectionincluding title search expenses for
ascertaining necessary parties to this action and reasonable attomey's fees.
9. All conditions precedent to the acceleration ofthe Mortgage Note and foreclosure ofthe Mortgage
have been performed or have occurred.
10. Plaintiffhasretained the law firm ofFlorida Default Law Group, P.L., in this action and is obhgated
to pay it a reasonable fee for its services in bringing this action as well as all costs ofcollection.
11. The interests ofeach Defendant are subject, subordinate, and inferior to the right, title, interest, and
lien of Plaintiffs Mortgage with the exception of any special assessments that are superior pursuant to Florida
Statutes § 159 (2006) and Florida Statutes § 170.09 (2006).
12. ARGENT MORTGAGE COMPANY, LLC may have or claim an interest in the Property that is the
subject of thisForeclosure action by virtue of a Mortgage recorded in OfficialRecords Book 8798, Page 1496; an
Assignment ofMortgage recorded in OflBcial Records Book 9550, Page 4903, or may otherwise claim an interest in the
Property.
13. KEYSTONE AT MEADOW WOODS HOMEOWNERS' ASSOCIATION, INC. may have or claim
an interestin the Property thatis the subject of this Foreclosure action by virtueof any lien filed pursuantto the
Declaration of Covenants and Restrictions and any amendments thereto; a Claim of Lien recorded in Ofificial Records
Book 9059, Page 4719, or may otherwise claim an interest in the Property.
14. OAKSHIRE AT MEADOW WOODS HOMEOWNERS ASSOCLATION, INC. may have or claim
an interest in the Property that is the subject ofthis
Foreclosure action by virtue of a Claim ofLien recorded in Official
Records Book 9688, Page 1773, or may otherwise claim an interest in the Property.
" 15. TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3 and TENANT #4, the
names being fictitious to account for parties in possession may claim some interest in the Property that is the subject of
this foreclosureaction by virtue of an unrecorded lease or purchase option, by virtue of possession, or may otherwise
claim an interest in the Property.
The names of these Defendants are unknown to the Plaintiff.
WHEREFORE, Plaintiff requests that the Court ascertain the amount due Plaintiff for principal and interest
on the Mortgage Note and Mortgage and for late charges, abstracting, taxes, expenses and costs, including attomey's
fees, plus interestthereon; thatif the sums due Plaintiffunder the Mortgage Note and Mortgage are not paid
immediately, the Court foreclose the Mortgage and the Clerk ofthe Court sell the Property securing the indebtedness to
satisfy Plaintiffs
mortgage lien in accordance with the provisions ofFlorida Statutes §45.031 (2006); that the rights,
title and interest ofanyDefendant, or any party claiming by, through, under or against any Defendant named herein or
hereafter made a Defendant be forever barred and foreclosed; that the Court appoint a receiver ofthe Property and of
the rents,issues, income and profits thereof,or in the altemative, order sequestration of rents, issues,income and
profits pursuant to FloridaStatutes §697.07 (2006); and that the Court retain jurisdiction of this action to make any
and all further orders and judgments as may be necessary and proper, including the issuance ofa writ ofpossession and
the entry of a deficiencydecree, when and if such deficiency decree shall appear proper, if borrower(s) has not been
discharged in bankmptcy.
I HEREBY CERTIFY that a tme and correct copy ofthe foregoing has been fumished by the U.S, Mail this
J ^-^ day of Jime, 2008, to all parries on the attached service list.
Florida Default Law Group, P.L.
P.O. Box 25018
Tampa, Florida 33622-5018
(813) 2^
By:.
lers
Florida Bar No. 52846
Courtney E. Nicholson
Florida Bar No. 13190
Anne M. Cruz-Alvarez
Florida Bar No. 17140
AMERIQUEST-CONV-R-ejayska
FLOKIDA meFAULT LAW GROUP, P X .
ATTORNEYS AT LAW
9119 CORPORATE LAKE DRIVE
S"'FLOOR
TAMPA. FLORIDA 33634
Please leply to: TdeplKKK (813) 251-4766
Post OfBce Box 25018 Telefax (gD) 251-1541
Taiqja, FL 33622-5018
May 01,2008
JOAQUIN MUNOZ
8224 FIREN2E BOULEVARD
ORLANDO.FL 32836
Re:
Loan Number: 0099417230
M(Mtgage Savicer cm RESIDENTIAL LENDING, INC.
Cr^litor to whoni DEUTSCHE BANK NATIONAL TRUST COMPANY, AS
the 6cbt bowed: TRUSnra, IN TRUST FOR THE REGISTERED HOLDERS OF
ARGENT SECURITIES INC, ASSET-BACKED PASS-
THROUGH CERTinCATES, SERIES 20064*12
Property Address: 14038 BOCA KEY DRIVE, ORLANDO, FL 32824
Our File N a : F08035538
Dear BoiTOwe:
The law firm of F l o r i d Default Law Ortnip, P i . (hereinafter referred to as "law firm") has been retained to
rqresQrt DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, m TRUST FOR THE
REGISTERED HOLDERS OF ARGENT SECUKITIK INC., A^ET-BACKED PASS-THROUGH
CERTIFICATES, SERIES 2006-M2 with r^ards to its imerests m tbe imnnissory Note and Mortpge executed by
JOAQUIN MUNOZ on June 29,2006. Pursuantto the t^ins of ibe promissory Note and Motl^ge, our client 1MS
accekaated all sums doe and o w i i ^ viiiicli means that the entire principal balance and all otber sums recoverable
tmder flte trains oftfae isiHnissory Note and Mortgage are now dns.
As ofthe date ofihis lelter, dte amount owed to our client is $1SS,03S.2S, wiuch indudes fiie unpaid
prmcipal balance, accnied intarest dirougb today, late charges, and cAnat default-related costs recoverable v n i a the
toms ofthe promissMy Note and Mortgage. AdditioiKd intsrest wili acoue afto' tbe date oftfais letter.
This correspondeace is being sent to comply with Ae Fair Debt Collection Practices Act and should iK>t be
coDsidaed a payoff letter. Our climt may make advances and incnr fees and expenses afier the date ofthis letter
wtiich are recoverable unda- the tenns ofthe promissory Note and Mortgage.
Tberefote, ifyou wish to receive
HLE NUMBER: F08O35538 DOC ID: M005104
figure to reinstate (tning your ioan currait) nr p ^
off ytnir loan t b r t w ^ a speci6c date, please contact this law jSnn
^ (813) 251-4766 or cliraiLsQVKes@de6nltIawfl.com.
I M e s yon notify ifais law finn witfain tiiiity (30) days after your twcipt of Ifais Ustta ibat the valid% of
diis ddrt. or any portirai thereot is disputed, fliis law fimi wiH assume that tfae debt is valid.
U^you (b> notify ifais
. law 6mi in writing wkhinthirfy (30) days afier receqrt ofthis letto-tfaat flie deH or any portkin diereof is (fi^Hited,
this law film will obtmnvaificatim oftie ddit or a copy of flie judgment against you, ifany, and mail k t o yon.
Also, up(» your written icquest wi&in thirty (30) d^'s a S a yoai receipt ofihis kiiei, this law firm willprovicfe you
witfa the name ami address of flte original creditra', if diiTerent frcnn the cnrrest oeditor.
FIcdda De&nlt Law Gioi^.
P.L. b a d ^ coQectm. Hiis taw Bim is attonptiiig to colkct a d
^ and any inftHUBtiaii obtaiied will be used for
tfaM purpose.
AH written requests diould be addressed to CoUesi E. Ldimaim. Florida D e ^ h
Law Gnnip. PL., P.O.
Box 25018, Tampa, Ftorida 33622-5018.
This law firm is m tfae process of filing a Complaint on die promissory Note and Mntgageto Horeclose on
realestate.The advice in fliis letter peitaios to yuur dealings witfa thk taw firm as a detrt collector.
It does not affect
your dsalings widi the Court, and in particular, it does IKK change die time at whidi you must answer the Complaint
UK Summons is a command from the Court, not 6x>m this law firm, and you must follow its instructioiis evoi
ifyou
di.spute the vaKdity or amount of the debt.
Tfae advice in fliis letter also does not affect Ais law firm^ relaticms with
tfae CourtThis law finn may file papers in die siiit according to flie Courfs rules and the j u t e ' s
instmcoons.
Finally, ifyou previously received a discfaaige in a banknqitcy involving this loan and did not sign a
reafGimatkn agreement, then tfais l^ra- is not an attempt to collect a (kbt firsm you personally.
This law firm is
seddng solely to foreckse ifae creditoi's lien on real estate and this iaw fiim will not be semdng a pe^somil money
judgment gainst you.
Ifyou have qitestioiB reganyog tfais matto-, please do net hesitate to ciMitact this law
firm.
Florida Definilt Law Group, P.L.
Attorneys for DEUTSCHE BANK NATIOiAL TRUST
COMPANY. AS TRUSTEE, m TRUST FOR THE
REGISTERED HOLDERS OF ARGENT S E O J R m E S INC.,
ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES
20O6-M2
COLLEEN E. LEHMANN
NOTICE
Florida Default Law Group, F.L. is a ddbt coUector. This Finn is attempting fo collect a
debt, and information obtained may be used for the purpose.
INSTR 2006«523e&9
R^utnTo: OR BK aB79a PG 1470 PGS=2£
RARTHA 0. miHlE, C(»IPTRCLLER
Argent Hortgage Coinpany, LLC OR»(GE COUNTy, FL
C/O Nat-ionwide Title Clearing. Inc S8/18/era& eB:47s33 AH
2100 Alt 19 North HTG DOC TflX 546.ee
PalB Harbor. FL 34683 INT«>I6 TAX 318.88
REC FEE 8S2.se
This docummt w%{HC|)aiedby:Ar g e n t Mortgage Conpany, LLC
Annette Hegron
44 South Broadway. 16th
Fir.White Plains. NT 10604
- { ^ • B e A b o T c T t b U n e For RcnoiDi^ D B 1 I 4 -
MORTGAGE
DEFINITIONS
W-«ffLlioo(ej
OK JUe^ 06/29/2006 12:49:49
VMP WMTGAGt F0SU5 - 000521-7291
aOMim (Qj/20aS)Rev.01
Book8798/Page1470 CFN#20060523269 Pagel of26
Lenda's addicss is 3 Park Plaza - 10th Floor Irvine. CA 92614
Lender is tfae DDCKtga^e under this Secuiify lostiumeul.
(D)'7'(ite"ineaiB dieinmmtsoiy note agsed by Bonower and datedJune 29. 2066
TheNote stBtes dtat Bonows OWES Lender ohe hundred fifty six thousand and 00/100
Dtdlais
(U.S. $ 1 5 6 , 0 0 0 . 0 0 )pIiBi^fesX. Borrower has {mmnsed to p ^ dus debtmr^ldarFyaiodic
Payments and to pay the detK hi (tail not l^a-diat
July 1. 2036
(E) "Roperty" meaos die propeity diat is described bdow oiikr the beadJi^
"TFOBsfet of Ri^us In the
Pnqierty."
(F) 'Loan" xaeas die ddn eraloced l ^flieNote,phu iotoest, any (nepaymad diaiges and late diaiges
due u o t e d e ^folc, and aa a m s due umter Iliis Security {nstnanem, plus mteresi.
(G) "Riders" nesi9 all R ^ o s to dns Secuiity Instnniient dtat are execoted by B m o w « .
The foHowing
Rideis iee to be execu^ by Bonower (dieck box as s^ppficafale]:
B Af^ustaUe R^e Rider
BaBoottRider
ZD Coodoimmum Rider
xiRamiedUotDevekqnnEatRider[Z
CZ Second Home Rider
MPamlyRiii^
Z ] VARido- CUKweddy Psyment Rider • Odiff(s)[specify]
(jOi"AppScable Law" m a s s allcostmlliiigaiqilicaUefederal,date and locd statutes,
c^uladtHS,
Mdioances and admimsiiative ndes and ordos (di^ have die effect of law) as weO as all iqqilicable Snal.
aon-gppeafaMe jodjeid opinitwis.
(I) "Coranamky Assock&ra D M S , Fees, and Asesments* means atl dues, fees, ssessznems and odter
chains th^ aie 'avpostd cn Bnrower or the Pnqierty 1^ a caodomimum assocktion, bmieowitras
associadon ot dmilar organization.
(J) "ElectmBc Fkmds IVamfier" means any tiansCn- offinids,oilier dian a
B^isactionorigmated by
dieck, draft,or annlar piQier instnimmt,
which is initiated tfannigfa
an dedronic t a n a n i .
tej^onic
instrument, conqiuier, ot nmfft&sc Oip& a> as to order, instruct, or authonze a fiiBitcial institutimi to ddnt
or credit an acomait.
Sncb lenn includes, but is not limiced to, poiitt-af-sale transfas,
autraifflted
tdler
machine tiansactions.
transfiers
initiated
by teJqdione, wire transfen, and ^itnmatwi cieaniigkous«
(K) "Btenw Uene" means iiiose itens dia a e described ro Secti(Hi 3.
prindpd and inteiest onte' tfae
Note, {dus (ii) wy junomas lEito Section 3 of tliis Secuiity
fa^rumeia.
0099417230,-9608
•wwnwisi PbneSofie og/29/2006 12:49:49 'P«»«»30io i/oi
DOMQFL (0S/200S}Sev.01
Book8798/Page1471 CFN#20060523269 Page 2 of 26
(C^ "RESPA" meaiB fls Real E ^ ^ Setttement Ptocednres Act (12 U.S.C. Sectiim 2601 el seq.) and hs
inqilemendiig leguladmi, VtegtHi^m X (24 C F . R .
Part 35(K)>, as tfa^ m i ^
be amwidfld finm time to
time, oraayadditiOTalorsiiCTSorl^stalioaorii^ulatfamdiatgofyaiBdiesaiaesifliiectiiHltCT.As used
in this Secmify htstnmKot. 'RESPA* refers to all reqntiemeots andrestrictifflisdas are inqiosed in i ^ a i d
n> a ' f e d e i ^
idaied monga^ loaai* even if die Loan does not qralify as a 'federalfy
idated modgap
loan' under RESPA.
(Pt "Satasmr m Intend d eextatt diat,each paymem
0099417230-9608
^.^FLlmos) Pmssss Ifae ddkiew? in acccwdaaoe witfa RESPA, but in no more than 12 nmnddy payments.
Upon paynKnt in Ml pf ali sums tecured 1^ ttiis Security bistnmxnt, Leodo diall pionqdy refuial
(D Boirowo any Funds bdd by L o d o .
4. Cbffi^ts; Lieas. Borrowo stedl pay alltaxes, assessments,cdunges. fii^, and uqxKitic^
atnibatdile to die Pn^Msty vdudi can aStwt prioriQr over this Security Instnunao, leasdiold payments or
groimd ions cm dte Propeity, ifany, and Ommmnity Associaticm Daes. Ptees, and Asscssnwits, if any. To
die exieia fhat diese itons are Esciow Ittnffi. BcHniwo diaU p ^ dttm m die nomner provided m Sectitai 3.
Borrowo diall jmnnptfy discfaarge ai^
liea wfaicb faas jsioiity o v o
the Secast^ Instniment onless
Bdnower: (a) agrees inwriting to tbe p^mem of the obligaticm secured by the lien in a manno aocQitdile
to Lentfrr, Imt endy so loi^ as Botrowo is pofimnii^
siKfa agreemoit; (b) oonaesis die lioi in good
fddi
by, or dreads agaiist askKceatoA of the lien in. l ^ d
jHoceediii^ vdiicfa in Lender's opinion opoate to
jHevenl tbe eaiiwceuem of die lieo wfaile dwse proceedkigs axe pendiiig, bm ody anril such proceediiigs
are condu&d; CH- (c) secures from die faoldo of die tien an agreement satisfacmiy to Leralo sdxndiiii^iiig
tfae lien to diB Seobify
Insbumoii. If Lendo detomines dtat aiqr pan of the Ptopeity is subject to a lioi
wliidi cai attain {niority o v o tbis Secunty Instrument, IWHICT may give BcMrovcr a imiiOB kioiiifyii^
die
lien. IK^tfain lOdagsof die date cm wfakfa dut notice is given, BDnower shdl saidy tfas lien or take one or
more of die acticms set forth diove in this Secdcm 4.
Leodo m^ reqnireBCHTOWO to {ray a cme-dme c^suge for a ied estate tax
verificadcmsnd/or
lepoitii^ service used 1^ Lotdo in comecticm with Ifais Loan.
5. ftt%iertybsnraace. Borrowo sfaaQ keep the inqnovonems now existing or faaeaftoerected cm
the Propoly insored ag^ain^ loss by fire, bazanls iocfa^d
whiiin tfae torn
'extended covoage.* aid aiy
CMfao bazaids indudiiig, but not limiied to, eanbipiakes and floods, for wfaidi Lendo lecpifaes nisuiaice.
Tfais insuranoe didl
be maimatned in the amoums (induding deductiMe l^^ds) and for tfae periods
tb^
iCTder lecpitres. WhaLendo requires {nnsuait to die precedii^ soitences can cdiai^ duriiig tfae torn of
tfae Loan. The tosaBance cairio providfaig die insurance diall be cirasen by Bimowo subject to Lendo's
i^fat to disq>i»ove Bonowo's cfaoice,wbicfa rigfat sfaoU not be exocised
ujueasoodily.Letdo msy
require Bonowo m pay, in connectionwitb dus Loan, eitha:(a) a one-time cfaargeforflood zc»e
ddemmmioii. ceitificaticm aid t r a i i t ^
sovicxs; CH- (b) a one-time charge tot flood zime detenmnaticm
ami cotificaticBi
sovices aad sobsequent enlarges eacfa time remaiipa^
CH* similar c^iai^es
occurwfaidi
reastmatdy m i ^ affectsucfa ctetetmiiiation cn ootificaticm.
Bc»rowo didl also be re^mosible forlhe
paymotf of any feesinqiosed by tfaeFedod Emogency Managesneat AgOKy in ooimecricm with(he
review of any flood ame dcsenniiiaticHi lesuhmgfooman ofajectHm i ^
Bnrowo.
0099117230 -9608
ti*iiaa^H,^plo»*/
-6^l0 1/01
OOMWFL {D3aOI»)Rev J) I
Book8798/Page1475 CFN#20060523269 Page 6 of 26
IfBtnrowo fidls xo Hwimain any of d » covaages descrgied afaove,
L o d o - nmy obtdnlosucmKc
oovei^e, a Loider's c^itkm ad Borrower's expense.Leido isundo no obligation ro pmdiase aqr
paitictdar type or aacmnt of coverage. Therdine. sucfa covoage dull
covo Leado, hot i r a ^or might
not pn»ect BCHTOWS. Bonowa's equity in dte Ptvpaty. or the ccmtests of die IVopofy. agamst a i ^
ridt,
hazard or liability and night provide greiEto or lesso cxivet^e dian was previou^
in dSect.Bonowo
acknowledges tba tte cost of l i s
insurmce coverage so cdnafaied ndght sigtuficandy
exceed dis cost of
msurance diat Bmower ooakt love obtamed. Any anKmds disbursed t ^ L e n i o undo this Sedicm 5 didl
beconie addidmid ddn of BcHiowo-seaned by dus Securdy Enanmxm. These amoums shdi bear mterest
a die Note l a e bma die date ot disbuiscuttm aad shall be payaUe, widi sudi inteiESt. iqxm notice frora
Lendo to BCHTOWO requesti^ paymem.
All msiance policies tequired by Lendo and renewats of sucft poficies diall be sabject to Lente's
ri^ to disqiprove such pcdides,diall inidude astamlaid m o i i g ^
clause, and shall name Lendo as
mcmgagee and/or as an adCfiiicmd kss p^ee. Loido staall lave die
ri^ to Inld the policies and renewd
cenificaes.If Lendo lequiiss, BCHTOWO dull pron^fy ^ve to L o d oall receiirts of paid {Hanhnns aid
roiewd notses. If Boirowo lAtaim any feam of iisurams c o v o ^ tnt otfaeiwise required by
Letdo,
for d a n ^to, i97gfie 06/29/2006 12:49:49' f™™'^''© 1/01
D0M7FL (OSaOQS)Rev.OI
Book8798/Page1476 CFN#20060523269 Page 7 of 26
6. Occopmmy. Boirowo sfaallocoqiy, estdilidi,ad use ge Pnqieny as BCHTOWO'S princ^
reddmoe widun 60 days afio dm execndcm of this S e c u ^
Instramesn atd dnilccmdaue to oociqiy Us
Propeny as Bonowo's p r i n c ^
re^iaioe for dtead one year aito die date of ocoqiancy, uniess Loider
othenrise forcesra wiitmg, whicfaconsent dsdl tttateuaeascrnddy widdidd, ot ladess ex^iaaiBg
carcumstaDcesracistwfakfa ate beyrad Bcoiowo's cnninrf.
7. Ftrcaovaticm,Mdnfenanee and Fratectfaaof d c IVc^iaty; bspediiHlC Bonowo shdl not
destroy, damage or tnqiali
tfaefnqieify, aUow die Propofy to cfetOKKaieCH conmut wa^ on Ae
Prcqieify.
Whetiio or not BcRntwer is residias in die Propeify,
Bonowo didl mahaain die Pnqietfy in
cHdo to prevent tfae P n ^ o t y
fonn deterfoiadi^or decreasng in vahie due ro IG oimdhimuUdess it b
deaoiraned jmisuanl to & c ^ m
S dia icpoir ar
lestmation is BSA ecotsmiically foasitde. Bcmowa
diaU
IHcmqitfy rqiairdie Piopeny ifdamaged to avoid foitbo detoioiatkm or dais^e; If insuiaice or
cotdemnatiim proceeds are paid in oonaecticm witH dainage to, CH tbe t^di^ of,
dte Pnqioiy, Bonowo
didl te respomible for repdring CH resroriag the Pnqieny mdy if I.endo ias ideased proceeds for sudi
purposes. Lenite magr dsburse proceeds fcndie repaiis and resttnaticm ia a angle paiyment CH in a soles of
progress peiyments as tte wodc is conqileted. If foe nisiizaHe or condemnaticm proceeds are not
sufficienl
to repair or lestare tbe Ptopeny, Banower b
not (Sieved c^ Bonower's obl^alicm for tfae cxKiqrferion of
socfa r^pdr CH lesUiiaticHi.
Lendo CH its agent maymake reasonable entiies tqmi atal inqiectitHB of
die Fropofy. If it has
reascmdile case, Lendermay iaqiect tte intoior of tte tnqaovemsds cm the Piopeify. Lendo diaB give
Bonowo nedoe a die tins of or {UJCH m audi an inteiicH in^ecnon specifying s i ; ^ teaeowbis caiKe.
8. BtBTOwer's Loan ApplicalitnL Bonowo diaH be in d^di if,during tfae Loan qqdicatiim
process. Bcnrowo CH aiy peisom CH eoddes acth^ titte directicm otBorrowo or widi Bofrowei's
knowledge CH couscm gave n^cridly fdse, mideadiiig, CH inacctuae infonnatiem CH statemnds to Lendo
(cH foiledto proviifeTpndiT whfa inaiafd information) hi oomiBcdon wiih die Loan. Matoid
rqnesentations iidiBte, but are not liinited
to, lefnesemaiicais
ctmoomng Bonowo's ooaqmu^ of die
Pnqwity as Botrowo's princqid reddoice.
9. Fkotecticm c^ Lender's Iaterestfaadie Pttiperty aad BJ^jhts Under t h b S e c s r ^
bBtrmncoC. If
longo leqnue loss
resove paymems if Mtntgage Insurance oowoage (in die amonnt 7ai6 far tte peritd tfaat Lender requires)
provitfedby an insmo sdected by Lencio ^an beoomes avdlabte, b criiteined, and
Lendo re^nres
separatefy dedgnaed pafymeais mwaid tte {Hotfimis
to McH^age insunmce. If L o d o icquired Mmig^e
Insurance as a conditioa of mddng tte Loan and Boirowo was reqniied to mate sepaatdy dedgnmed
permems towani die premiums fcH Motgage Insurance. Sonowo siolipay die prauums reipihed to
nwintain Mong:^ ittsuraaceineffea, CH to piovide a noo-rdiinddileloss reserve,untilLeodei's
recpiranem fiH-Moi^age Insurance eods inaocordaiK^ widi a ^written agreement between Bonowo and
Leido [Hoviding for s i ^ tenrmdiim m undl tomination u required t^
Applicdde Law. Nodung in dib
SecticHi 10 afiects Bonower's oUigaticHi to [ay imerest at tfae rate {Bxivided m tte Note.
M c H t g ^ tesuraace reimlnirses Lendo (or any entity dia piucfaases die Note) for oertafai kisses it
nay incur ifBCHTOWO does sot iq^ tte Loan as agreed. BCHTOWO b SCM ajany to die Moitgage
Insurance.
McHtgi^ insuros evaluate d » r
totd ride oa dl such iusmaiicxt in fbree foan time m time, and may
ento uxo ^reraraas widi CHbo panies dat diare 01 modify disir risk. CH reduce losses. Tbese i^reesnenB
are im teims and coatikicMis dut are saab£»aory to tte mcntxage instao aid die otfao paly (CH pai&s) m
these agreements. These ^icemeats n ^recpiire tte mongage iasmo to mate payments ising any sotnoe
of fontia tfaat tbe mortgage insurer mayfaaveavaildife (n^idi may indode fimds iditained from Mcntgage
lusiiiauce jRoiuums).
As a ronh of dtese agreements, Laido,any purehaso oftte Note, amidio msuro, my tefasuro,
any otfao emity, CH any aSiUate of xay of tfae fini^oing, may teceive (cfirecdy or indkecdy) amtnmls tba
derive firom (CM- might te characterized as) a poniaB of Bonowo's p ^ m e n s
fcH Mottgage bisaiaiKe, in
excfaangefor sharing or modifyingdie mcH^age insmo's risk,CH redndng tosses,ff siKfa agieemntf
provicfesdut an affiliale
of Laider tdcesa diare of dieinsurer's risk
ta exejiaigefor a sitaeof tte
IHcmiums pdd to die insmo, tte anangemod is ofien teniKd "cqitive remsurance.* Fmdier:
(a)Any sadi t^reenents wffl not affea tfaeminmnts Oat Borrawo has a^eed to pay for
Mor^agelmu8noe,«raiiy other terms oftfaeLoan. Sudi agreemeiis wiB not i e o e a n the amouat
Bonrowo- win ewe for Mcntgage insurance, and di^ wSl nc^ oitMe Borrower to any rd^md.
0099417230 -9608
•eiHiieoos pBgrsoTie 05/29/2006 IZTAsFn fo^nSOlO 1/01
OOMSFLiftSWOSyterSn
Book8798/Page1478 CFN#20060523269 Page 9 of 26
(b) A17 stidl wB»*ii«««ta wffl not affeitf
d» r%^ Bmrowor has - if sxy - with n^peet to tfae
ftbHlg^e hwnnHKe irado lbt Bcnaeownen Plmtedta Act cX 1998 car any other b w . l i u s e
r^ds
mt^ bidade tte r^rt to receive ixrtab ^stfasores, to recast and obtain cafncrlbdina ef the
Mm^age iBsaraitce, to ttave die Btfeitgage I n s m a c e toadaated aidwawlfcalfy,
and/m* to reodve a
refaaidrf any Mortgi^teoiTiiKe p r e l i m s tfaat wqg uneanied at tfae tfaire erf sndt
ranrrlat^
tel iiiiii«tim»-
11. Asdgameid of MiaxllaneoiisFtoceecb; FarEdtme. All NGsceOanoous Inoceeds are hod^
assigned to and didl te paid to Lendo.
If die Propoty b daniiaed, mdi MisceUanecms Proceeds dadl te qqdied to restoiation or repdr of
tte P n ^ o ^ ,
if iteresttnaticm CH repair b
ecxmimncdfy foadble and Lenifer'scanity b not les^ned.
i>iring sudi reiair and resKnaticm p ^ o d , Ixmfer diah iave die right to Iioki sudi Miscdlaiiec>us Prooeeds
until Lendo bsa faad an cqipCHtunity to inspect siEfa Pnqiei^ to o s m e
die wmfc bas beeo Gioaf!606/29/2006 12:49:49 F«mM10 l/OI
D06- lOFL {03raiUJ)Rev.Ol
Book8798/Page1479 CFN#20060523269 Page 10 of 26
ay awadOTctenm for Claires dug ate atpamiddero die iiupaLuieat of Leado'sintcrea in tite Property
are faeid^ asd^ied and sfaall te j»kl to Lenio.
AH MiKdlaietns Prooeeds dat are not aiqdfod» resttnaiknor repdr of diePnqiefty diaH te
qipfied in ite cndo ^ovided fbr in Section 2.
Preview
IN THE CIRCUIT COURT OF THE NINTH JUDICIAL CIRCUIT IN AND FOR ORANGE COUNTY, FLORIDA CrVIL ACTION DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, BV TRUST FOR THE REGISTERED HOLDERS OF ARGENT SECURITIES INC., ASSET-BACKED PASS-THROUGH CERTIFIGATESr SERIES 2006-M2, ^-^ZzZZZZ Plaintiff, X-cZz'\ ••<\''J-t- CASE NO. 48-2008-CA-010702 r-^'-X- vs. DIVISION 33 JOAQUIN MUNOZ; EDITH PATINO; ANY AND ALL UNKNOWN PARTIES CLAIMING' BY,-^ THROUGH, UNDER^ AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WftQ ARE NOT KNOWN TO BE DEAD OR ALFVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS; ARGENT MORTGAGE COMPANY, LLC; KEYSTONE AT MEADOW WOODS HOMEOWNERS' ASSOCIATION, INC.; OAKSHIRE AT MEADOW WOODS HOMEOWNERS ASSOCIATION, INC.; TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3, and TENANT #4 the names being fictitious to account for parties in possession Defendant(s). / AMENDED MORTGAGE FORECLOSURE COMPLAINT Plaintiflf, DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, IN TRUST FOR THE REGISTERED HOLDERS OF ARGENT SECURITIES INC., ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2006-M2, pursuant to Florida Rules of Civil Procedure 1.190 files this Amended Mortgage Foreclosure Complaint, and sues Defendants, JOAQUIN MUNOZ, EDITH PATINO; ANY AND ALL UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS; ARGENT MORTGAGE COMPANY, LLC; KEYSTONE AT MEADOW WpODS HOMEOWNERS' ASSOCIATION, INC.; OAKSfflRE AT MEADOW WOODS HOMEOWNERS ASSOCL\TION, INC.; TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3 and TENANT #4 the names being fictitious to account for parties in possession, and alleges: COUNT I - MORTGAGE FORECLOSURE 1. This is an in rem action to foreclosea mortgage on real property located and situated in ORANGE County, Florida. FILE NUMBER: F08035538 DOC ID:M000300 2. This firm has complied with the notice requirement ofthe Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq, as amended. The Notice(s) previously mailed by the firm is attached hereto and incorporated herein as an Exhibit. 3. On June 29, 2006, there was executed and delivered a Promissory Note ("Mortgage Note") and a Mortgage ("Mortgage") securing the payment ofthe Mortgage Note. The Mortgage was recorded on August 10, 2006, in OfficialRecords Book 8798 at Page 1470, of the Public Records of ORANGE County, Florida, (All subsequent recording references are to the public records of ORANGE County, Florida) and mortgaged the real and personal property ("Property") described therein, then owned by and in possession of the Mortgagor(s). Copies of the original Mortgage Note and Mortgage are attached hereto and incorporated herein as an Exhibit. 4. Plaintiff is now the holder oftheMortgage Note and Mortgage. 5. The Property is now owned of record by Defendant(s), JOAQUIN MUNOZ, and EDITH PATINO. 6. The Mortgage Note and Mortgage are in default. The required installment payment of Januaiy 1, 2008, was not paid, and no subsequent payments have been made. The Mortgage is contractually due for the January 1, 2008, payment. The last payment received was applied to the December 1, 2007, installment, and no subsequent payments have been applied to the loan. 7. Plaintiffdeclares the fiill amount payable under the Mortgage Note and Mortgage to be now due. 8. Plaintiffmust be paid $155,038.28 in principal on the Mortgage Note and Mortgage, together with interest fi'om December 1, 2007, late charges, and all costs ofcollectionincluding title search expenses for ascertaining necessary parties to this action and reasonable attomey's fees. 9. All conditions precedent to the acceleration ofthe Mortgage Note and foreclosure ofthe Mortgage have been performed or have occurred. 10. Plaintiffhasretained the law firm ofFlorida Default Law Group, P.L., in this action and is obhgated to pay it a reasonable fee for its services in bringing this action as well as all costs ofcollection. 11. The interests ofeach Defendant are subject, subordinate, and inferior to the right, title, interest, and lien of Plaintiffs Mortgage with the exception of any special assessments that are superior pursuant to Florida Statutes § 159 (2006) and Florida Statutes § 170.09 (2006). 12. ARGENT MORTGAGE COMPANY, LLC may have or claim an interest in the Property that is the subject of thisForeclosure action by virtue of a Mortgage recorded in OfficialRecords Book 8798, Page 1496; an Assignment ofMortgage recorded in OflBcial Records Book 9550, Page 4903, or may otherwise claim an interest in the Property. 13. KEYSTONE AT MEADOW WOODS HOMEOWNERS' ASSOCIATION, INC. may have or claim an interestin the Property thatis the subject of this Foreclosure action by virtueof any lien filed pursuantto the Declaration of Covenants and Restrictions and any amendments thereto; a Claim of Lien recorded in Ofificial Records Book 9059, Page 4719, or may otherwise claim an interest in the Property. 14. OAKSHIRE AT MEADOW WOODS HOMEOWNERS ASSOCLATION, INC. may have or claim an interest in the Property that is the subject ofthis Foreclosure action by virtue of a Claim ofLien recorded in Official Records Book 9688, Page 1773, or may otherwise claim an interest in the Property. " 15. TENANT #1 N/K/A NELSY VILLEGAS, TENANT #2, TENANT #3 and TENANT #4, the names being fictitious to account for parties in possession may claim some interest in the Property that is the subject of this foreclosureaction by virtue of an unrecorded lease or purchase option, by virtue of possession, or may otherwise claim an interest in the Property. The names of these Defendants are unknown to the Plaintiff. WHEREFORE, Plaintiff requests that the Court ascertain the amount due Plaintiff for principal and interest on the Mortgage Note and Mortgage and for late charges, abstracting, taxes, expenses and costs, including attomey's fees, plus interestthereon; thatif the sums due Plaintiffunder the Mortgage Note and Mortgage are not paid immediately, the Court foreclose the Mortgage and the Clerk ofthe Court sell the Property securing the indebtedness to satisfy Plaintiffs mortgage lien in accordance with the provisions ofFlorida Statutes §45.031 (2006); that the rights, title and interest ofanyDefendant, or any party claiming by, through, under or against any Defendant named herein or hereafter made a Defendant be forever barred and foreclosed; that the Court appoint a receiver ofthe Property and of the rents,issues, income and profits thereof,or in the altemative, order sequestration of rents, issues,income and profits pursuant to FloridaStatutes §697.07 (2006); and that the Court retain jurisdiction of this action to make any and all further orders and judgments as may be necessary and proper, including the issuance ofa writ ofpossession and the entry of a deficiencydecree, when and if such deficiency decree shall appear proper, if borrower(s) has not been discharged in bankmptcy. I HEREBY CERTIFY that a tme and correct copy ofthe foregoing has been fumished by the U.S, Mail this J ^-^ day of Jime, 2008, to all parries on the attached service list. Florida Default Law Group, P.L. P.O. Box 25018 Tampa, Florida 33622-5018 (813) 2^ By:. lers Florida Bar No. 52846 Courtney E. Nicholson Florida Bar No. 13190 Anne M. Cruz-Alvarez Florida Bar No. 17140 AMERIQUEST-CONV-R-ejayska FLOKIDA meFAULT LAW GROUP, P X . ATTORNEYS AT LAW 9119 CORPORATE LAKE DRIVE S"'FLOOR TAMPA. FLORIDA 33634 Please leply to: TdeplKKK (813) 251-4766 Post OfBce Box 25018 Telefax (gD) 251-1541 Taiqja, FL 33622-5018 May 01,2008 JOAQUIN MUNOZ 8224 FIREN2E BOULEVARD ORLANDO.FL 32836 Re: Loan Number: 0099417230 M(Mtgage Savicer cm RESIDENTIAL LENDING, INC. Cr^litor to whoni DEUTSCHE BANK NATIONAL TRUST COMPANY, AS the 6cbt bowed: TRUSnra, IN TRUST FOR THE REGISTERED HOLDERS OF ARGENT SECURITIES INC, ASSET-BACKED PASS- THROUGH CERTinCATES, SERIES 20064*12 Property Address: 14038 BOCA KEY DRIVE, ORLANDO, FL 32824 Our File N a : F08035538 Dear BoiTOwe: The law firm of F l o r i d Default Law Ortnip, P i . (hereinafter referred to as "law firm") has been retained to rqresQrt DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, m TRUST FOR THE REGISTERED HOLDERS OF ARGENT SECUKITIK INC., A^ET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2006-M2 with r^ards to its imerests m tbe imnnissory Note and Mortpge executed by JOAQUIN MUNOZ on June 29,2006. Pursuantto the t^ins of ibe promissory Note and Motl^ge, our client 1MS accekaated all sums doe and o w i i ^ viiiicli means that the entire principal balance and all otber sums recoverable tmder flte trains oftfae isiHnissory Note and Mortgage are now dns. As ofthe date ofihis lelter, dte amount owed to our client is $1SS,03S.2S, wiuch indudes fiie unpaid prmcipal balance, accnied intarest dirougb today, late charges, and cAnat default-related costs recoverable v n i a the toms ofthe promissMy Note and Mortgage. AdditioiKd intsrest wili acoue afto' tbe date oftfais letter. This correspondeace is being sent to comply with Ae Fair Debt Collection Practices Act and should iK>t be coDsidaed a payoff letter. Our climt may make advances and incnr fees and expenses afier the date ofthis letter wtiich are recoverable unda- the tenns ofthe promissory Note and Mortgage. Tberefote, ifyou wish to receive HLE NUMBER: F08O35538 DOC ID: M005104 figure to reinstate (tning your ioan currait) nr p ^ off ytnir loan t b r t w ^ a speci6c date, please contact this law jSnn ^ (813) 251-4766 or cliraiLsQVKes@de6nltIawfl.com. I M e s yon notify ifais law finn witfain tiiiity (30) days after your twcipt of Ifais Ustta ibat the valid% of diis ddrt. or any portirai thereot is disputed, fliis law fimi wiH assume that tfae debt is valid. U^you (b> notify ifais . law 6mi in writing wkhinthirfy (30) days afier receqrt ofthis letto-tfaat flie deH or any portkin diereof is (fi^Hited, this law film will obtmnvaificatim oftie ddit or a copy of flie judgment against you, ifany, and mail k t o yon. Also, up(» your written icquest wi&in thirty (30) d^'s a S a yoai receipt ofihis kiiei, this law firm willprovicfe you witfa the name ami address of flte original creditra', if diiTerent frcnn the cnrrest oeditor. FIcdda De&nlt Law Gioi^. P.L. b a d ^ coQectm. Hiis taw Bim is attonptiiig to colkct a d ^ and any inftHUBtiaii obtaiied will be used for tfaM purpose. AH written requests diould be addressed to CoUesi E. Ldimaim. Florida D e ^ h Law Gnnip. PL., P.O. Box 25018, Tampa, Ftorida 33622-5018. This law firm is m tfae process of filing a Complaint on die promissory Note and Mntgageto Horeclose on realestate.The advice in fliis letter peitaios to yuur dealings witfa thk taw firm as a detrt collector. It does not affect your dsalings widi the Court, and in particular, it does IKK change die time at whidi you must answer the Complaint UK Summons is a command from the Court, not 6x>m this law firm, and you must follow its instructioiis evoi ifyou di.spute the vaKdity or amount of the debt. Tfae advice in fliis letter also does not affect Ais law firm^ relaticms with tfae CourtThis law finn may file papers in die siiit according to flie Courfs rules and the j u t e ' s instmcoons. Finally, ifyou previously received a discfaaige in a banknqitcy involving this loan and did not sign a reafGimatkn agreement, then tfais l^ra- is not an attempt to collect a (kbt firsm you personally. This law firm is seddng solely to foreckse ifae creditoi's lien on real estate and this iaw fiim will not be semdng a pe^somil money judgment gainst you. Ifyou have qitestioiB reganyog tfais matto-, please do net hesitate to ciMitact this law firm. Florida Definilt Law Group, P.L. Attorneys for DEUTSCHE BANK NATIOiAL TRUST COMPANY. AS TRUSTEE, m TRUST FOR THE REGISTERED HOLDERS OF ARGENT S E O J R m E S INC., ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 20O6-M2 COLLEEN E. LEHMANN NOTICE Florida Default Law Group, F.L. is a ddbt coUector. This Finn is attempting fo collect a debt, and information obtained may be used for the purpose. INSTR 2006«523e&9 R^utnTo: OR BK aB79a PG 1470 PGS=2£ RARTHA 0. miHlE, C(»IPTRCLLER Argent Hortgage Coinpany, LLC OR»(GE COUNTy, FL C/O Nat-ionwide Title Clearing. Inc S8/18/era& eB:47s33 AH 2100 Alt 19 North HTG DOC TflX 546.ee PalB Harbor. FL 34683 INT«>I6 TAX 318.88 REC FEE 8S2.se This docummt w%{HC|)aiedby:Ar g e n t Mortgage Conpany, LLC Annette Hegron 44 South Broadway. 16th Fir.White Plains. NT 10604 - { ^ • B e A b o T c T t b U n e For RcnoiDi^ D B 1 I 4 - MORTGAGE DEFINITIONS W-«ffLlioo(ej OK JUe^ 06/29/2006 12:49:49 VMP WMTGAGt F0SU5 - 000521-7291 aOMim (Qj/20aS)Rev.01 Book8798/Page1470 CFN#20060523269 Pagel of26 Lenda's addicss is 3 Park Plaza - 10th Floor Irvine. CA 92614 Lender is tfae DDCKtga^e under this Secuiify lostiumeul. (D)'7'(ite"ineaiB dieinmmtsoiy note agsed by Bonower and datedJune 29. 2066 TheNote stBtes dtat Bonows OWES Lender ohe hundred fifty six thousand and 00/100 Dtdlais (U.S. $ 1 5 6 , 0 0 0 . 0 0 )pIiBi^fesX. Borrower has {mmnsed to p ^ dus debtmr^ldarFyaiodic Payments and to pay the detK hi (tail not l^a-diat July 1. 2036 (E) "Roperty" meaos die propeity diat is described bdow oiikr the beadJi^ "TFOBsfet of Ri^us In the Pnqierty." (F) 'Loan" xaeas die ddn eraloced l ^flieNote,phu iotoest, any (nepaymad diaiges and late diaiges due u o t e d e ^folc, and aa a m s due umter Iliis Security {nstnanem, plus mteresi. (G) "Riders" nesi9 all R ^ o s to dns Secuiity Instnniient dtat are execoted by B m o w « . The foHowing Rideis iee to be execu^ by Bonower (dieck box as s^ppficafale]: B Af^ustaUe R^e Rider BaBoottRider ZD Coodoimmum Rider xiRamiedUotDevekqnnEatRider[Z CZ Second Home Rider MPamlyRiii^ Z ] VARido- CUKweddy Psyment Rider • Odiff(s)[specify] (jOi"AppScable Law" m a s s allcostmlliiigaiqilicaUefederal,date and locd statutes, c^uladtHS, Mdioances and admimsiiative ndes and ordos (di^ have die effect of law) as weO as all iqqilicable Snal. aon-gppeafaMe jodjeid opinitwis. (I) "Coranamky Assock&ra D M S , Fees, and Asesments* means atl dues, fees, ssessznems and odter chains th^ aie 'avpostd cn Bnrower or the Pnqierty 1^ a caodomimum assocktion, bmieowitras associadon ot dmilar organization. (J) "ElectmBc Fkmds IVamfier" means any tiansCn- offinids,oilier dian a B^isactionorigmated by dieck, draft,or annlar piQier instnimmt, which is initiated tfannigfa an dedronic t a n a n i . tej^onic instrument, conqiuier, ot nmfft&sc Oip& a> as to order, instruct, or authonze a fiiBitcial institutimi to ddnt or credit an acomait. Sncb lenn includes, but is not limiced to, poiitt-af-sale transfas, autraifflted tdler machine tiansactions. transfiers initiated by teJqdione, wire transfen, and ^itnmatwi cieaniigkous« (K) "Btenw Uene" means iiiose itens dia a e described ro Secti(Hi 3. prindpd and inteiest onte' tfae Note, {dus (ii) wy junomas lEito Section 3 of tliis Secuiity fa^rumeia. 0099417230,-9608 •wwnwisi PbneSofie og/29/2006 12:49:49 'P«»«»30io i/oi DOMQFL (0S/200S}Sev.01 Book8798/Page1471 CFN#20060523269 Page 2 of 26 (C^ "RESPA" meaiB fls Real E ^ ^ Setttement Ptocednres Act (12 U.S.C. Sectiim 2601 el seq.) and hs inqilemendiig leguladmi, VtegtHi^m X (24 C F . R . Part 35(K)>, as tfa^ m i ^ be amwidfld finm time to time, oraayadditiOTalorsiiCTSorl^stalioaorii^ulatfamdiatgofyaiBdiesaiaesifliiectiiHltCT.As used in this Secmify htstnmKot. 'RESPA* refers to all reqntiemeots andrestrictifflisdas are inqiosed in i ^ a i d n> a ' f e d e i ^ idaied monga^ loaai* even if die Loan does not qralify as a 'federalfy idated modgap loan' under RESPA. (Pt "Satasmr m Intend d eextatt diat,each paymem 0099417230-9608 ^.^FLlmos) Pmssss Ifae ddkiew? in acccwdaaoe witfa RESPA, but in no more than 12 nmnddy payments. Upon paynKnt in Ml pf ali sums tecured 1^ ttiis Security bistnmxnt, Leodo diall pionqdy refuial (D Boirowo any Funds bdd by L o d o . 4. Cbffi^ts; Lieas. Borrowo stedl pay alltaxes, assessments,cdunges. fii^, and uqxKitic^ atnibatdile to die Pn^Msty vdudi can aStwt prioriQr over this Security Instnunao, leasdiold payments or groimd ions cm dte Propeity, ifany, and Ommmnity Associaticm Daes. Ptees, and Asscssnwits, if any. To die exieia fhat diese itons are Esciow Ittnffi. BcHniwo diaU p ^ dttm m die nomner provided m Sectitai 3. Borrowo diall jmnnptfy discfaarge ai^ liea wfaicb faas jsioiity o v o the Secast^ Instniment onless Bdnower: (a) agrees inwriting to tbe p^mem of the obligaticm secured by the lien in a manno aocQitdile to Lentfrr, Imt endy so loi^ as Botrowo is pofimnii^ siKfa agreemoit; (b) oonaesis die lioi in good fddi by, or dreads agaiist askKceatoA of the lien in. l ^ d jHoceediii^ vdiicfa in Lender's opinion opoate to jHevenl tbe eaiiwceuem of die lieo wfaile dwse proceedkigs axe pendiiig, bm ody anril such proceediiigs are condu&d; CH- (c) secures from die faoldo of die tien an agreement satisfacmiy to Leralo sdxndiiii^iiig tfae lien to diB Seobify Insbumoii. If Lendo detomines dtat aiqr pan of the Ptopeity is subject to a lioi wliidi cai attain {niority o v o tbis Secunty Instrument, IWHICT may give BcMrovcr a imiiOB kioiiifyii^ die lien. IK^tfain lOdagsof die date cm wfakfa dut notice is given, BDnower shdl saidy tfas lien or take one or more of die acticms set forth diove in this Secdcm 4. Leodo m^ reqnireBCHTOWO to {ray a cme-dme c^suge for a ied estate tax verificadcmsnd/or lepoitii^ service used 1^ Lotdo in comecticm with Ifais Loan. 5. ftt%iertybsnraace. Borrowo sfaaQ keep the inqnovonems now existing or faaeaftoerected cm the Propoly insored ag^ain^ loss by fire, bazanls iocfa^d whiiin tfae torn 'extended covoage.* aid aiy CMfao bazaids indudiiig, but not limiied to, eanbipiakes and floods, for wfaidi Lendo lecpifaes nisuiaice. Tfais insuranoe didl be maimatned in the amoums (induding deductiMe l^^ds) and for tfae periods tb^ iCTder lecpitres. WhaLendo requires {nnsuait to die precedii^ soitences can cdiai^ duriiig tfae torn of tfae Loan. The tosaBance cairio providfaig die insurance diall be cirasen by Bimowo subject to Lendo's i^fat to disq>i»ove Bonowo's cfaoice,wbicfa rigfat sfaoU not be exocised ujueasoodily.Letdo msy require Bonowo m pay, in connectionwitb dus Loan, eitha:(a) a one-time cfaargeforflood zc»e ddemmmioii. ceitificaticm aid t r a i i t ^ sovicxs; CH- (b) a one-time charge tot flood zime detenmnaticm ami cotificaticBi sovices aad sobsequent enlarges eacfa time remaiipa^ CH* similar c^iai^es occurwfaidi reastmatdy m i ^ affectsucfa ctetetmiiiation cn ootificaticm. Bc»rowo didl also be re^mosible forlhe paymotf of any feesinqiosed by tfaeFedod Emogency Managesneat AgOKy in ooimecricm with(he review of any flood ame dcsenniiiaticHi lesuhmgfooman ofajectHm i ^ Bnrowo. 0099117230 -9608 ti*iiaa^H,^plo»*/ -6^l0 1/01 OOMWFL {D3aOI»)Rev J) I Book8798/Page1475 CFN#20060523269 Page 6 of 26 IfBtnrowo fidls xo Hwimain any of d » covaages descrgied afaove, L o d o - nmy obtdnlosucmKc oovei^e, a Loider's c^itkm ad Borrower's expense.Leido isundo no obligation ro pmdiase aqr paitictdar type or aacmnt of coverage. Therdine. sucfa covoage dull covo Leado, hot i r a ^or might not pn»ect BCHTOWS. Bonowa's equity in dte Ptvpaty. or the ccmtests of die IVopofy. agamst a i ^ ridt, hazard or liability and night provide greiEto or lesso cxivet^e dian was previou^ in dSect.Bonowo acknowledges tba tte cost of l i s insurmce coverage so cdnafaied ndght sigtuficandy exceed dis cost of msurance diat Bmower ooakt love obtamed. Any anKmds disbursed t ^ L e n i o undo this Sedicm 5 didl beconie addidmid ddn of BcHiowo-seaned by dus Securdy Enanmxm. These amoums shdi bear mterest a die Note l a e bma die date ot disbuiscuttm aad shall be payaUe, widi sudi inteiESt. iqxm notice frora Lendo to BCHTOWO requesti^ paymem. All msiance policies tequired by Lendo and renewats of sucft poficies diall be sabject to Lente's ri^ to disqiprove such pcdides,diall inidude astamlaid m o i i g ^ clause, and shall name Lendo as mcmgagee and/or as an adCfiiicmd kss p^ee. Loido staall lave die ri^ to Inld the policies and renewd cenificaes.If Lendo lequiiss, BCHTOWO dull pron^fy ^ve to L o d oall receiirts of paid {Hanhnns aid roiewd notses. If Boirowo lAtaim any feam of iisurams c o v o ^ tnt otfaeiwise required by Letdo, for d a n ^to, i97gfie 06/29/2006 12:49:49' f™™'^''© 1/01 D0M7FL (OSaOQS)Rev.OI Book8798/Page1476 CFN#20060523269 Page 7 of 26 6. Occopmmy. Boirowo sfaallocoqiy, estdilidi,ad use ge Pnqieny as BCHTOWO'S princ^ reddmoe widun 60 days afio dm execndcm of this S e c u ^ Instramesn atd dnilccmdaue to oociqiy Us Propeny as Bonowo's p r i n c ^ re^iaioe for dtead one year aito die date of ocoqiancy, uniess Loider othenrise forcesra wiitmg, whicfaconsent dsdl tttateuaeascrnddy widdidd, ot ladess ex^iaaiBg carcumstaDcesracistwfakfa ate beyrad Bcoiowo's cnninrf. 7. Ftrcaovaticm,Mdnfenanee and Fratectfaaof d c IVc^iaty; bspediiHlC Bonowo shdl not destroy, damage or tnqiali tfaefnqieify, aUow die Propofy to cfetOKKaieCH conmut wa^ on Ae Prcqieify. Whetiio or not BcRntwer is residias in die Propeify, Bonowo didl mahaain die Pnqietfy in cHdo to prevent tfae P n ^ o t y fonn deterfoiadi^or decreasng in vahie due ro IG oimdhimuUdess it b deaoiraned jmisuanl to & c ^ m S dia icpoir ar lestmation is BSA ecotsmiically foasitde. Bcmowa diaU IHcmqitfy rqiairdie Piopeny ifdamaged to avoid foitbo detoioiatkm or dais^e; If insuiaice or cotdemnatiim proceeds are paid in oonaecticm witH dainage to, CH tbe t^di^ of, dte Pnqioiy, Bonowo didl te respomible for repdring CH resroriag the Pnqieny mdy if I.endo ias ideased proceeds for sudi purposes. Lenite magr dsburse proceeds fcndie repaiis and resttnaticm ia a angle paiyment CH in a soles of progress peiyments as tte wodc is conqileted. If foe nisiizaHe or condemnaticm proceeds are not sufficienl to repair or lestare tbe Ptopeny, Banower b not (Sieved c^ Bonower's obl^alicm for tfae cxKiqrferion of socfa r^pdr CH lesUiiaticHi. Lendo CH its agent maymake reasonable entiies tqmi atal inqiectitHB of die Fropofy. If it has reascmdile case, Lendermay iaqiect tte intoior of tte tnqaovemsds cm the Piopeify. Lendo diaB give Bonowo nedoe a die tins of or {UJCH m audi an inteiicH in^ecnon specifying s i ; ^ teaeowbis caiKe. 8. BtBTOwer's Loan ApplicalitnL Bonowo diaH be in d^di if,during tfae Loan qqdicatiim process. Bcnrowo CH aiy peisom CH eoddes acth^ titte directicm otBorrowo or widi Bofrowei's knowledge CH couscm gave n^cridly fdse, mideadiiig, CH inacctuae infonnatiem CH statemnds to Lendo (cH foiledto proviifeTpndiT whfa inaiafd information) hi oomiBcdon wiih die Loan. Matoid rqnesentations iidiBte, but are not liinited to, lefnesemaiicais ctmoomng Bonowo's ooaqmu^ of die Pnqwity as Botrowo's princqid reddoice. 9. Fkotecticm c^ Lender's Iaterestfaadie Pttiperty aad BJ^jhts Under t h b S e c s r ^ bBtrmncoC. If longo leqnue loss resove paymems if Mtntgage Insurance oowoage (in die amonnt 7ai6 far tte peritd tfaat Lender requires) provitfedby an insmo sdected by Lencio ^an beoomes avdlabte, b criiteined, and Lendo re^nres separatefy dedgnaed pafymeais mwaid tte {Hotfimis to McH^age insunmce. If L o d o icquired Mmig^e Insurance as a conditioa of mddng tte Loan and Boirowo was reqniied to mate sepaatdy dedgnmed permems towani die premiums fcH Motgage Insurance. Sonowo siolipay die prauums reipihed to nwintain Mong:^ ittsuraaceineffea, CH to piovide a noo-rdiinddileloss reserve,untilLeodei's recpiranem fiH-Moi^age Insurance eods inaocordaiK^ widi a ^written agreement between Bonowo and Leido [Hoviding for s i ^ tenrmdiim m undl tomination u required t^ Applicdde Law. Nodung in dib SecticHi 10 afiects Bonower's oUigaticHi to [ay imerest at tfae rate {Bxivided m tte Note. M c H t g ^ tesuraace reimlnirses Lendo (or any entity dia piucfaases die Note) for oertafai kisses it nay incur ifBCHTOWO does sot iq^ tte Loan as agreed. BCHTOWO b SCM ajany to die Moitgage Insurance. McHtgi^ insuros evaluate d » r totd ride oa dl such iusmaiicxt in fbree foan time m time, and may ento uxo ^reraraas widi CHbo panies dat diare 01 modify disir risk. CH reduce losses. Tbese i^reesnenB are im teims and coatikicMis dut are saab£»aory to tte mcntxage instao aid die otfao paly (CH pai&s) m these agreements. These ^icemeats n ^recpiire tte mongage iasmo to mate payments ising any sotnoe of fontia tfaat tbe mortgage insurer mayfaaveavaildife (n^idi may indode fimds iditained from Mcntgage lusiiiauce jRoiuums). As a ronh of dtese agreements, Laido,any purehaso oftte Note, amidio msuro, my tefasuro, any otfao emity, CH any aSiUate of xay of tfae fini^oing, may teceive (cfirecdy or indkecdy) amtnmls tba derive firom (CM- might te characterized as) a poniaB of Bonowo's p ^ m e n s fcH Mottgage bisaiaiKe, in excfaangefor sharing or modifyingdie mcH^age insmo's risk,CH redndng tosses,ff siKfa agieemntf provicfesdut an affiliale of Laider tdcesa diare of dieinsurer's risk ta exejiaigefor a sitaeof tte IHcmiums pdd to die insmo, tte anangemod is ofien teniKd "cqitive remsurance.* Fmdier: (a)Any sadi t^reenents wffl not affea tfaeminmnts Oat Borrawo has a^eed to pay for Mor^agelmu8noe,«raiiy other terms oftfaeLoan. Sudi agreemeiis wiB not i e o e a n the amouat Bonrowo- win ewe for Mcntgage insurance, and di^ wSl nc^ oitMe Borrower to any rd^md. 0099417230 -9608 •eiHiieoos pBgrsoTie 05/29/2006 IZTAsFn fo^nSOlO 1/01 OOMSFLiftSWOSyterSn Book8798/Page1478 CFN#20060523269 Page 9 of 26 (b) A17 stidl wB»*ii«««ta wffl not affeitf d» r%^ Bmrowor has - if sxy - with n^peet to tfae ftbHlg^e hwnnHKe irado lbt Bcnaeownen Plmtedta Act cX 1998 car any other b w . l i u s e r^ds mt^ bidade tte r^rt to receive ixrtab ^stfasores, to recast and obtain cafncrlbdina ef the Mm^age iBsaraitce, to ttave die Btfeitgage I n s m a c e toadaated aidwawlfcalfy, and/m* to reodve a refaaidrf any Mortgi^teoiTiiKe p r e l i m s tfaat wqg uneanied at tfae tfaire erf sndt ranrrlat^ tel iiiiii«tim»- 11. Asdgameid of MiaxllaneoiisFtoceecb; FarEdtme. All NGsceOanoous Inoceeds are hod^ assigned to and didl te paid to Lendo. If die Propoty b daniiaed, mdi MisceUanecms Proceeds dadl te qqdied to restoiation or repdr of tte P n ^ o ^ , if iteresttnaticm CH repair b ecxmimncdfy foadble and Lenifer'scanity b not les^ned. i>iring sudi reiair and resKnaticm p ^ o d , Ixmfer diah iave die right to Iioki sudi Miscdlaiiec>us Prooeeds until Lendo bsa faad an cqipCHtunity to inspect siEfa Pnqiei^ to o s m e die wmfc bas beeo Gioaf!606/29/2006 12:49:49 F«mM10 l/OI D06- lOFL {03raiUJ)Rev.Ol Book8798/Page1479 CFN#20060523269 Page 10 of 26 ay awadOTctenm for Claires dug ate atpamiddero die iiupaLuieat of Leado'sintcrea in tite Property are faeid^ asd^ied and sfaall te j»kl to Lenio. AH MiKdlaietns Prooeeds dat are not aiqdfod» resttnaiknor repdr of diePnqiefty diaH te qipfied in ite cndo ^ovided fbr in Section 2.