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Filing # 132574678 E-Filed 08/12/2021 03:36:25 PM
[N THE CIRCUIT COURT OF THE
SEVENTEENTH JUDICIAL CIRCUIT IN AND
FOR BROWARD COUNTY, FLORIDA
GENERAL JURISDICTION DIVISION
CASE NO. CACE-19-021666
FREEDOM MORTGAGE CORPORATION,
Plaintiff.
VS.
ANDRE ST. STEVE KIFFIN, et. at.
Defendantts).
CERTIFICATION OF BUSINESS RECORDS AFFIDAVIT
STATE OF Ind. UA4 ,
COUNTY OF jBm/6,
BEFO RE me, perso nally appeared 13,(4 , ,/e.r l.,v.ont who, being of lawful age
and after being first duly sworn, deposes and says:
I I am FU SfecivlisrIGf Freedom Mortgage Corporation, the Plaintiff in this
action. In this capacity I have personal know[edgc of the facts and matters stated herein, and I
am authorized to execute this Affidavit on behal f o f PLAINTIFF.
2. The information contained in this affidavk is contained in the original books and records
maintained by Freedom Mortgage Corpomtion, and the records referenced or summarized
herein constitute records or data compilations ("the records") of transactions ("the
Transactions") relating to the servicing of the mortgage loan a? issue in this foreclosure
action.
3. The records were made at or near the indicated time based on informationtransmitted by, or
from a person with knowledge of the Transactions. The records are kept in the course of
Freedom Mortgage Corporation's regularly conducted business activit>. It is the regular
practice of Freedom Mortgage Corporation to make these records. ln the course of my
regular job duties I have access to and am familiar with these records, and I reviewed and
relied upon these records in executing Ihis Affidavil.
19-376234 -
DiV
***
FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 08/19/2021 11:42:15 AM.****
4. To the extent that the business records of the loan in this matter were created by a
prior
servicer, those records have been verified for accuracy and integrated into Freedom
Mortgage Corporation's business records in the regular course of Freedom Mortgage
Corporation'sregularly conducted business activity.
5. True and correct copies of records I have reviewed and relied upon in executing this
Affidavit are attached to this Affidavitand incorporated herein.
6. According to the records, prior to the filing of the Complaint, the Plaintiffwas the designated
holder of the note, or otherwise authorized to enforce, the promissory note and mortgage
upon which Ihis foreclosure action is based. A true and correct copy of the original note is
attached hereto as Exhibit A. A true and correct copy of the original mortgage is attached
hereto as Exhibit B.
7. According to the records, Ihe borrower(s) have defaulted pursuant to the terms of the
promissory note and mortgage sued upon. by failing to tender the Plaintiff the required
payments when due.
8. The borrower(s) were sent a notice of default. A copy of this letter is attached hereto as
Exhibit C
9. The default has not been cured and the Plaintiff has elected, in accordance with the terms of
the note and mortgage, t0 accelerate the payment of the entire principal sum, together with
accrued interest.
10. A true and correcl copy of the bonowets payment history is attached hereto as Exhibit D.
It. Based on the business records reviewed and attached hereto, there is now due and owing to
the Plaintiffupon said note and mortgage the followingatlached amounts. A true and correct
copy of the business recods showing the amounts due and ewing is attached hereto as
Exhibit E.
Principal Balance $308,536.68
]nterest to date of thi# Judgmenc August 17,2021 $33,004.90
Escrow Advance $26,372.97
Late Charges $1, I 14.39
Inspections i465.00
TOTAL $369,493.94
19-376234 OiV
-
12. On account of the borrower(s) default under the note and mortgage sued upon herein.
Freedom Mortgage Corporation, retained its attorney of record and authorized the filing of
this action. Further, Freedom Mortgage Corporation, has agreed to be bound and obligated
itself to pay said attorney for his/her services such sum as the Court shall adjudge to be
reasonable
Affant Signature: ChR -2 -
Print Name: Uarles Le. 'Mon-r
Title: FU Sp.al.jt I?
Date:
AuguJ+ Ili Zzzt
STATE OF CJZG INR-
COUNTY OF HCmlibn
Swom to and subseribed before me by means o f Dljnsba]I, Notary Public. personally appeamd Eric Sturgis, Assistant
Secretary ofMortgage Electronic RegistrationSystems. Inc., solely as nominee for Paramount Residential
Mortgage Group, Inc., its successors and assigns,personally known to me (or proved to rnc thc basis of satisfacrory
evidence) to be rhe person whose name is subscribed to the within iT=ument and acknowledgedto me that she/he/they
executed the same in bor/hjstheirauthorized capacity(ies). and that by her.'his'their
signature(s) on ihe insm'ment the
person(s). or the entity upon behalfofwhich [he person(s) acted execuied the instrument,
Witness my hand and official seal.
'
NOTAR]ALSEAL
James K. Ml,ishall. No:ary Pubti
UPPiroumm.MMMCounty
No-y Public:JamesK. Minshall -
".%992*MQ,Fxffi.92
BER
3:211J
Mv Cr,mmkqir,n 1 n/7.9,C>0,4
FI:Ii51)(-).Bi AIi)1:-ILI.\(.i-
Freedom Mortgage Corporation 907 Pleasant Valley Avenue Suite 3 ,
Mount Laurel, Nj 08054
A r IORNEY BA[1 F]C LETTER
*Return Receipt Required* #PIEASE SCe. Me. AHac.Ned Ncme.
7DrendorsE.Men-i-
Atlorney's Addresa:
Robertson Anschutz and Schneid
6409 Congress Ave, Suite 100 Dale: 9-19-19
Boca Raton. FL 33487
Borrower(s):
Andre St Steven Kiffin
Property Address: 2126 N 32nd Ave, FL 33021
Hollywoodl
Lender Loan #:
Dear Sir or Madam:
J TNCOM ING (Servicer/Plaintiff) Frecd.om Motlga*e Corporalion has asked you to
commence and prosecutc a R,rcclosure aclion on Ihc morlgage loan Iistcd above ("Mortgage Loan")
In cottnection witli such forcclosure activities, one or morc of the documents ("Documents"}
indicated below evidencing or otherwise relating to the Mortgage [-oan were delivered to you.
Ol;TGOING The undersigned, on behalf of , hereby certifies that, on or
about , serviccr has taken possession, custody, and control via Federal Express delivery
(tracking number from, , of (hose documents which are
speei fically enumerated on the Bailee letters included with the documents.
[. Note:
-7 Origina I
Cnpy
Certified Truc Copy o Chain ol-Endorsementsi
First: M
Second: to
El A][ong*s)-
i
r
..
Fltciiuc LAI 1/c,1 t-i-ci. lili.
Freedom Mortgage Corporation ,
907 Pleasant Valley Avenue Suite 3. Mount Laurel. Nj 08054
2. Lost Notc Affidavit m
3.
Security]*umentor Mon gag#4 -
.B Rccordcd: ?? Original ? Copy X2
[? Unrecorded: ? Original ? Copy
4. Assignmenl(s) of Mortgage:
? Recorded: ? Origizia] ? Copy
n Unrecorded- ? Original ? Copy
5. Modification Documcnis:
? Recorded: El Original El Copy
El Unrecorded: E Original El Copy
6. Tille PolkY:
0 Recorded: ? Origmal B. Copy
-[*1 Unrecorded: ] Original D. Copy x2
7. Other:
signature/name affidavit c, baileeletter org
- -
uTitie CommitrncnT
I acknowledgereeeipi ofthe Documents as lisled above and nolke o f ihe security inleregtq Ihercin. confirm
the cenlfications made by me above and agree to ac, a< Bailee for the exclusive benefit of the Senicer
and/or P l all-,11 ffa'rl.,5? on, he terms 5el forth above and o:herwise comply wilh the Iterms of this Auonlcy
Bailec Ictlcr.
My,Sha
PIilt Nm./11
hl]C
W,illiams
zpaDI AKSisknt
1)ate:
9-20-19
.-r
r
MDPz M.-B.A.AA.7
MIN.
-
0209EJij'??JLi? NOTE
April 4,2017 PLANTATION, Florida
[Date] Icm [State]
2126 N 32ND AVE, HOLLYWOOD, FL 33021
[Property Address]
1. BORROWER'S PROMISE TO PAY
In retum for a loan lhal 1 have received. I pfomise to pay U.S. S319,113.00 (this amount is called *Pnncipar),
plus interesl. to be ordef of the Lender. The Lender is Paramount Residential Mortgage Group, Inc., a California
Corporation.
I will makeall payments undec this Nole Inthe form ofcash, checkormoney order.
1 understand Ihal the Lender may transfer this Note, The Lender or anyone who takes this Note by transfer and who
Is enlillcd to receive payments under This Note is called the "No:e Holder
2. INTEREST
Inlereslwill becharged on unpaidprincipaluntdthefullamountofPrincipathas beenpaid Iwillpay interest at a yea,Iy
rale of 4.500 %,
The interest rate required by U'Ms Section 2 is the rate I will pay both before and after any default described in Section
6(B] o[ this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and inieresl by making a payment every monlh,
I will make my monthly paymenl on Ihe lit day of each month beginning on June 1,2017.
I will make these payments every month unlil I have paidall ofthe principal and inte,esland any other chargesdescribed
below that I may owe under th,s Note. Each monthly payment will be applted as of ils scheduled due date and will be
applied to interest and any other Hems m the order described in the
Secunty Instrument before Principal, If, on
May 1. 2047, I slili owe amounts under this Note, I will pay those amounts In full on that date, which
is called the "Maturily Date.
I will make my monthly payments al 1265 Corona Polnle Court. Suite 301
Corona, CA 92879
or at a different place If required by the Note Holder
{B) Amount ol Monthly Payments
My monthly payment will be in the amount of U.S. $1,616.90.
4. BORROWER'S RIGHT TO PREPAY
1 have the nght to make payments of Pnncipal at any time before they are due. A payment of Principal on4 is known
as a
"Prepayrnent."When I make a Prepayment I wlll tdl tl-,e Note Holder in wrltlng that l am doing so. l may not designate
a payment as a P,epayment W I have not made all the monthly payments due under the Note.
I may make a full Prepaymentor panial P,epayments wllhowt payng a Prepayment charge. The Note Holder mil use
my Prepaymenls to reduce the Principal that I owe under this Note. However, the Note Holder may apply my
amount of
Prepayment to the accrued and
unpaki interest on the
Prepaymentamount. before applying my Prepayment lo reduce Ihe
Principal amount of Uie Note, Ifl makea partial Prepaymont, therewll bo no charlgos in theduo dateorin the amount of
my monthly payment unless the Note Holder agrees in wnt,ng to,1-lose changes.
5. LOAN CHARGES
If a law. wh,ch applies to this loan and whkh sets maximum loan charges. Is finally interpreted so that the interest or
othe, loan charges'collectedor to be Collected In connection with this loan exceed tile permitted limits. then: (a) any such
loan charge shall be reducod by tile amount necessary o reduce the Charge to the permmed IUnit. and (b) any sums already
collecled from me whichexceeded perm,ucd limits will be refundedto mei The Note Holder may choose to make this refund
by reduong Ihe Pnncipal l owe under th,s Note or by making a dkrect paymenl lo me Ifa refund reduces Principal, Ute
reduction will be Ueated as a partial Prepayment.
r,Ar,r,d"u,rn,r rA I, ,/nr T,-' r,Av I r nrjp-ui,Mr-.
L.
.
4
LOAN #:
all the interest mal I owe on that amount. That date musl be al Ieasi 30 days after the date on which the notice is mailed
to me or delivered by oUter means.
{D) No Waiver By Note Holdef
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described
'
above. the Nole Holder wIl still have Ihe right io do so if lam in default at a Ialer time.
(E) Payment of Note Holder's Costs and Expenses
If tile Note Holdef has required me to pay immediately In full as described above, the Note Holder will have the right
to be paid back by me for all of its costs and expenses irl enforc,ng this Note to the extent not prohibited by applicable law.
Those expenses include. for example, reasonable anomeys' fees.
7. GIVING OF NOTICES
Unless applicable raw requires a differenl melhod, any notice that must be given lo me under tms Note will be given
by delivering It or by maMing it by first class mail to me at the Property Address above or at a different address Pf I give the
Note Holder a notice of my different address.
Any notice that must be given to the Note Hoider under this Note will be given by deltvering it or by mailing it by first
class mail to the Note Holder at the address stated in Soct,On 3(A) above or at a different address if I am given a notice of
thai d#ferent address
8 OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore thanonepersocs,gnsthls Note, eachpe,son isfullyand personallyobligated to keep atl of the prom,ses made
In Ihis Note, 'nclud'ng the prom,se to pay the full amount owed, Any person who is a guafanlor, surety or endorser of lh's
Note is also obligated to do these tfu ngs. Any person who lakes over these obl,gat,ons, Including the obligations of a guar-
antor, surety o, endorsef o[ tt.s Note, is also obligated lokeepall ol the promises made In this Nole. The Note Holder may
enforce ils rights under this Note againsl each pefson irldivtdualb, or against all of us together This means that any one ol
u 5 may be required lo pay aW of Ihe amounls owed under this Note
9. WAIVERS
I and any other person who has obligations under this Note waive the nghts of Presentment and Notice of Dlshonor.
-Presentment"means the righ[ torequIre the Note Holder to demand paymerlt of amounts due. "Not,ceof Dishonor means
the right lo require the Note Holder to give notice to other persons that amounts due have not been paid.
10. UNIFORMSECURED NOTE
This Noe,s a uniform Inst,umenn wth limited variations in some jurisdictions. In addrtion to the protections given to
the Note Holder urlder this Note. a Mortgage. Deed of Trust. or Security Deed (the 'Securrty Instrument"). dated the same
date as Ihis Note. protects Xhe Note Holder from possible losses which might result if I do not keep the promises which 1
makein this Note. Thai Security instrument describes how and under what conditions I may be requiroct to make immediate
payment in Iull of all a mounts 1 owe under this Note Some of those condillons are describedas follows:
" all or any part of Ihe Propefty or any Interest in the Property is sold or transferred (or N Borrower :s not a
natural person and beneficial interest in Borrower is sold or transferred)without Lenders pnor written consent,
a
Lender may require Immediatepaymen{ in fullofall sumssecuredbythis Security Instrument. However, this option
shall not be exercised by Lender if such exercise is proh,bited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice ol acceleration. The note shall provide
a period of not less than 30 days from the dale the rlollce Is given In accordance with Section 14 within which
Borrower must pay Ml sums secured by thls Secunty Instrument, If Borrower fails to pay these sums prio, to the
expiration of his period, Lendec may invoke any remedkes permrtted by this Security Instrumenl without further
notice or demand on Borrower
11. DOCUMENTARY TAX
The state documentary tax due orl this Note has been pa,d on the mortgage secunng this indebtedness,
WITNESS THE HAND{S) AND SEAL(S} OF THE UNDERSIGNED
(Sea!)
ANDRE STkl-EVE KIFFIN
Lender: Pa,amounl Residential Mortgage Group, Inc.
Pay to the order of
wmoul recourse U#s day of
- 20 -
Freedom Mortgage Corporation
{ dL
Stanley C. M,ddleman
President/Chef Executjve Officer
ALLONGE
Loan Number:
Loan Date: 04/04/2017
Borrower(s): ANDRE ST. STEVE KIFFIN
Property Address: 2126 N 32ND AVE, HOLLYWOOD. FL 33021
Princbpal Balance: 319,113.00
PAY TO THE ORDER OF
FRERDOM MORTGAGE CORPORATION
Without Recourse
A CALIFORNIA
Company Name: PARAMOUNTRESIDENTIAL MORTGAGE GROUP, INC.,
CORPORATION
Kevin McHenry
Director of Loan Accounting
By,
Tkle
K**
.-r
r
MDPz M.-B.A.AA.7
MIN'-
0209EJij'??JLi? NOTE FHACase No.
April 4,2017 PLANTATION, Florida
[Date] Icm [State]
2126 N 32ND AVE, HOLLYWOOD, FL 33021
[Property Address]
1. BORROWER'S PROMISE TO PAY
In retum for a loan lhal 1 have received. I pfomise to pay U.S. S319,113.00 (this amount is called *Pnncipar),
plus interesl. to be ordef of the Lender. The Lender is Paramount Residential Mortgage Group, Inc., a California
Corporation.
I will makeall payments undec this Nole Inthe form ofcash, checkormoney order.
1 understand Ihal the Lender may transfer this Note, The Lender or anyone who takes this Note by transfer and who
Is enlillcd to receive payments under This Note is called the "No:e Holder
2. INTEREST
Inlereslwill becharged on unpaidprincipaluntdthefullamountofPrincipathas beenpaid Iwillpay interest at a yea,Iy
rale of 4.500 %,
The interest rate required by U'Ms Section 2 is the rate I will pay both before and after any default described in Section
6(B] o[ this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and inieresl by making a payment every monlh,
I will make my monthly paymenl on Ihe lit day of each month beginning on June 1,2017.
I will make these payments every month unlil I have paidall ofthe principal and inte,esland any other chargesdescribed
below that I may owe under th,s Note. Each monthly payment will be applted as of ils scheduled due date and will be
applied to interest and any other Hems m the order described in the
Secunty Instrument before Principal, If, on
May 1. 2047, I slili owe amounts under this Note, I will pay those amounts In full on that date, which
is called the "Maturily Date.
I will make my monthly payments al 1265 Corona Polnle Court. Suite 301
Corona, CA 92879
or at a different place If required by the Note Holder
{B) Amount ol Monthly Payments
My monthly payment will be in the amount of U.S. $1,616.90.
4. BORROWER'S RIGHT TO PREPAY
1 have the nght to make payments of Pnncipal at any time before they are due. A payment of Principal on4 is known
as a
"Prepayrnent."When I make a Prepayment I wlll tdl tl-,e Note Holder in wrltlng that l am doing so. l may not designate
a payment as a P,epayment W I have not made all the monthly payments due under the Note.
I may make a full Prepaymentor panial P,epayments wllhowt payng a Prepayment charge. The Note Holder mil use
my Prepaymenls to reduce the Principal that I owe under this Note. However, the Note Holder may apply my
amount of
Prepayment to the accrued and
unpaki interest on the
Prepaymentamount. before applying my Prepayment lo reduce Ihe
Principal amount of Uie Note, Ifl makea partial Prepaymont, therewll bo no charlgos in theduo dateorin the amount of
my monthly payment unless the Note Holder agrees in wnt,ng to,1-lose changes.
5. LOAN CHARGES
If a law. wh,ch applies to this loan and whkh sets maximum loan charges. Is finally interpreted so that the interest or
othe, loan charges'collectedor to be Collected In connection with this loan exceed tile permitted limits. then: (a) any such
loan charge shall be reducod by tile amount necessary o reduce the Charge to the permmed IUnit. and (b) any sums already
collecled from me whichexceeded perm,ucd limits will be refundedto mei The Note Holder may choose to make this refund
by reduong Ihe Pnncipal l owe under th,s Note or by making a dkrect paymenl lo me Ifa refund reduces Principal, Ute
reduction will be Ueated as a partial Prepayment.
r,Ar,r,d"u,rn,r rA I, ,/nr T,-' r,Av I r nrjp-ui,Mr-.
L.
.
4
LOAN #:
all the interest mal I owe on that amount. That date must be al Ieasi 30 days after the date on which the no ice is mailed
to me or delivered by oUter means.
{D) No Waiver By Note Holdef
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described
'
above. the Nole Holder wIl still have Ihe right io do so if lam in default at a Ialer time.
(E) Payment of Note Holder's Costs and Expenses
If tile Note Holdef has required me to pay immediately In full as described above, the Note Holder will have the right
to be paid back by me for all of its costs and expenses irl enforc,ng this Note to the extent not prohibited by applicable law.
Those expenses include. for example, reasonable anomeys' fees.
7. GIVING OF NOTICES
Unless applicable raw requires a differenl melhod, any notice that must be given lo me under tms Note will be given
by delivering It or by maMing it by first class mail to me at the Property Address above or at a different address Pf I give the
Note Holder a notice of my different address.
Any notice that must be given to the Note Hoider under this Note will be given by deltvering it or by mailing it by first
class mail to the Note Holder at the address stated in Soct,On 3(A) above or at a different address if I am given a notice of
thai d#ferent address
8 OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore thanonepersocs,gnsthls Note, eachpe,son isfullyand personallyobligated to keep atl of the prom,ses made
In Ihis Note, 'nclud'ng the prom,se to pay the full amount owed, Any person who is a guafanlor, surety or endorser of lh's
Note is also obligated to do these tfu ngs. Any person who lakes over these obl,gat,ons, Including the obligations of a guar-
antor, surety o, endorsef o[ tt.s Note, is also obligated lokeepall ol the promises made In this Nole. The Note Holder may
enforce ils rights under this Note againsl each pefson irldivtdualb, or against all of us together This means that any one ol
u 5 may be required lo pay aW of Ihe amounls owed under this Note
9. WAIVERS
I and any other person who has obligations under this Note waive the nghts of Presentment and Notice of Dlshonor.
-Presentment"means the righ[ torequIre the Note Holder to demand paymerlt of amounts due. "Not,ceof Dishonor means
the right lo require the Note Holder to give notice to other persons that amounts due have not been paid.
10. UNIFORMSECURED NOTE
This Noe,s a uniform Inst,umenn wth limited variations in some jurisdictions. In addrtion to the protections given to
the Note Holder urlder this Note. a Mortgage. Deed of Trust. or Security Deed (the 'Securrty Instrument"). dated the same
date as Ihis Note. protects Xhe Note Holder from possible losses which might result if I do not keep the promises which 1
makein this Note. Thai Security instrument describes how and under what conditions I may be requiroct to make immediate
payment in Iull of all a mounts 1 owe under this Note Some of those condillons are describedas follows:
" all or any part of Ihe Propefty or any Interest in the Property is sold or transferred (or N Borrower :s not a
natural person and beneficial interest in Borrower is sold or transferred)without Lenders pnor written consent,
a
Lender may require Immediatepaymen{ in fullofall sumssecuredbythis Security Instrument. However, this option
shall not be exercised by Lender if such exercise is proh,bited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice ol acceleration. The note shall provide
a period of not less than 30 days from the dale the rlollce Is given In accordance with Section 14 within which
Borrower must pay Ml sums secured by thls Secunty Instrument, If Borrower fails to pay these sums prio, to the
expiration of his period, Lendec may invoke any remedkes permrtted by this Security Instrumenl without further
notice or demand on Borrower
11. DOCUMENTARY TAX
The state documentary tax due orl this Note has been pa,d on the mortgage secunng this indebtedness,
WITNESS THE HAND{S) AND SEAL(S} OF THE UNDERSIGNED
(Sea!)
ANDRE STkl-EVE KIFFIN
Lender: Pa,amounl Residential Mortgage Group, Inc.
Pay to the order of
wmoul recourse U#s day of
- 20 -
Freedom Mortgage Corporation
{ dL
Stanley C. M,ddleman
President/Chef Executjve Officer
ALLONGE
Loan Number: L
Loan Date: 04/04/2017
Borrower(s): ANDRE ST. STEVE KIFFIN
Property Address: 2126 N 32ND AVE, HOLLYWOOD. FL 33021
Princbpal Balance: 319,113.00
PAY TO THE ORDER OF
FRERDOM MORTGAGE CORPORATION
Without Recourse
A CALIFORNIA
Company Name: PARAMOUNTRESIDENTIAL MORTGAGE GROUP, INC.,
CORPORATION
Kevin McHenry
Director of Loan Accounting
By,
Tkle
K**
1
'yhen recorded, return to:
This document was eleclronicaily
Paramount Residential Mortgage Group, Inc.
Attn: Post Closing Deparlment
recordcd
ARr.i-5,2.a7 as
1265 Corona Pointe Court, Suite 301
Insmunent No. 114304137
Corona, CA 92879 ORB PG
Public
This document was prepared by: Recordsof-Broward
Jemlat Kabiawu County, Fwrida
PRMG
1265 Corona Pointe Ct
Corona, CA 92879
954-641-5626
Title Order No.:-
LOAN#
[Space Above This Lino iof Recocd,ng Datal
FHA Cate No,
MORTGAGE
MIN:
MERS PHONE #:
DEFINITIONS
Wmds used in multipte sections of this document are defined below and other words aredef,nedm Sect,ons 3,10.12, 17,
19 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 15
(A) "Security Instrument" means th,s document, whtch Is dated April 4.2017, together with all Riders
lo this documen/.
(B) "Borrower' is ANDRE ST. STEVE KIFFIN. A SINGLE MAN.
Borrower is the mortgagorunder this Security Instrument.
(C) "MERS- is Mortgage Electronic Registratlon Systems, Inc. MERS is a separatecorporation that bs acting solely as a
nominee for Lender and Lender's successors and asgns MERS is the mortgagee under this Security Instrument.
MERS is organized and exsting under the Iaws ol Delaware, and has an address andtebephonenumber of P.O. Box 2026,
Flint, MI 48501-2026. lel. (888) 679-MERS.
(D) "Lender- is Paramount Residential Mortgage Group, Inc. .
Lender is a California Corporation, organized and existing
under the laws of California.
Lender's address is 1265 Corona Pointe Court, Suite 301, Corona , CA 92879
{E) "Note" means the promissory note signed by Borrower and dated April 4,2017. The Note slates that
Borfower owes Lender THREE HUNDRED NINETEEN THOUSAND ONE HUNDRED THIRTEEN AND NO/100'
Anl,ore fl , C: Electronic Funds Transfer,
Payments are deemed received by Leflder when received at the location designated In the Note or at such other
location as may be designated by Lender in accordance w,Ih the notice provisions in Section 14. Lender may return any
payrnentor partialpayment rfthe paymerit or partialpaymentsare tnsuffic,entto bring Ihe Loan current. Lender may accept
any payment or par't,al payment insufficent lo bring the Loan current, without waiver of any rights hereunder oc pre,udk:e
to Its f,ghts to refuse such payment or partial paymenls in the future. but Lender is not obligated to apply such payments
at the time such paymenis are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender
need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so wllhin a reasonable penod of time. Lender shall either apply such funds or
return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the
Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender
shall relieve Borrower from making payments due underthe Note and this Secumy Instrument or performing the covenants
and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwisedescnbed in this Section 2. all payments accepted
and applied by Lender shall be applied in the following order of PMMY
First, to the Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by :he Sec-
retary icistead of the monthly morlgage insurance premiums:
Second. to any taxes, special assessments. Ieasehold payments or ground rents, and fire, flood and other hazard
insurance premiums, as required,
Third, to interest due under the Note,
Fourth, to amortizationof the principal of the Note and.
Ffth, to late charges due under the Note.
Any application of payments, insurance proceeds, or MiscellaneousProceeds to principal due under the Note shall
not extend or postpone the due date. o, change lhe amount, of the Pe,iodic Payments.
3. Funds for Escrow Items. Bor,ower shall pay to Lender on the day Permdic Payments are due under the Note,
unt,1 the Note is paid,n full. a sum (the "Funds-) 10 provide for payment of amounts due fof: (a) taxes and assessmems and
other items which can attain prior,ty over this Secunty Instrument as a lien or encumb,anceon the Property; {b) Ieasehold
payments or ground rents on the Prope,ty, ifany. {c) premiums forany and all insurance required by Lender under Sectlon
5 and (d) Mortgage Insurance premums, to be paid by Lender to the Secretary or the monthly charge by lhe Secretary
instead of the monthly Mortgage Insurance premiums. These items are called =Escrow ]terns/At origination or at any time
during the term of the Loan, Lender may require thai Commumly Association Dues, Fees, and Assessments, if any, be
escrowed by Borrower. and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furn,sh to
Lender all nottes of amountsto be paid under this Section, Borrower shall pay Lender the Funds for Escrow Items unless
Lender waives Borrower's obligation to pay the Funds for any or ail Escrow Items. Lendef may wa,ve Borrcmer's obligation
to pay to Lender Funds for any or all Escrow Ilems at any time. Any such waiver may only be in wnting. In the event of such
wawer. Borrower shall pay d,rectly. when and where payable, the amountsdue lor any Escrow lterns for wh,ch paymenrof
Funds has been wawed by Lender and, # Lender requires, shall furnish to Lender receiptsevidencing such payment within
such tjme penod as Lender may require. Borrower's obl,gabon to make such payrnents and to provide receipts shall for all
purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase -covenan[ and
agreement' is used in Section 9. H Borrower Is obr,gated to pay Escrow Items directly, pursuant to a waiver, and Borrower
fails lo pay [he amount due for an Escrow Item, Lender may exercise ils rlghls under Section 9 and pay such amoun[ and
Borrower sha? then be obkgated under Section 9 to repay to Lender any such amount. Lender may revokethe waiver as lo
any or al Escrow Items al any t,me by a notice given in accordancewithSection 14 and, upon such revocation, Borrower
shall pay to Lender all Funds. and in such amounk that are then required under this Section 3
Lender may, at any time. collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at
the Ume specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender
shall estimate the amount of Funds due on the basis of current data and reasonable estimatesof expenditures of future
Escm Items or olherwise In accordance with Applicable Law.
The Funds shall be held in an instftution whose deposrts are insured by a federal agency. instrumentality, or entity
hnrln,-Ibw, I an,-Uar if l url,-Iar ic 2n ir,ct,h sra en inei ira,4),w- i,? a,w Carlural Wnrn. I nor, Aonk- I onrlir eholl
LOAN #:
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender.
4.Chargese Liens. Borrower shall pay all taxes, assessments, charges. fines. and Impositions attributable to the
Property which can attain pnority over this Secunty Instrument Ieasehold payments or ground rents on the Property, ,f
any. and Community Association Dues, Fees, and Assessments, i[ any. To the extentthat these items are Escrow Ilems,
Borrower shelf pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority overth,s SecurityInstrument unless Borrower: (a) agrees
in wriling to the payment of the obligation secured by the lien in a manner acceplable to Lender, but only so long as
Borrower is performingsuch agreement: (b) contests the I,en in good faith by, or defends against enforcement of the lien
in, legal proceedings which in Lender s opinion operate to prevent the enforcement of the lien while those pfOCeedings
are pending, but only until such proceedings are concluded, or (c) scores from the holder of the lien an agreement sat-
,sfactory to Lender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Property
is subjea to a lien which can attain pr,onty overthis Securitylnstrument, Lendermaygive Borrowera notice identlfying
the lien, Vthin 10 days of the date on which that notice is given. Borrower shall satisfy the lien or take one or more of
the actions set forth above In this Section 4.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured aga,nstloss byfire. hazardslncludedwithin the:erm"extendedcoverage, and any other hazards including. but not
I,mrted to. earthquakes and floods, for whkh Lender requires insurance. This insurance shall be maintained in the amounts
(induo,ng deductible levels) and forthe periods thal Lender requires. What Lender requires pursuantto the preceding sen-
knees can change during the term oflhe Loan. The insurance carrier prov,d,ngthe insurance shall be chosen by Borrower
sublect to Lender's right to disapprove Borrowers choice, whkh nght shall not be exercised Unreasonably. Lender may
require Borrower to pay. in connect,on with this Loan, either: (a) a one-timecharge for flood zone deterrnnat,on, certlflca-
tior? and tracking services. or (b) a one-time charge for flood zone determinationand certificaton servicesand subsequent
charges each Wne rernappings or 5,milar changes occur which reasonably might affect such determination or cert:fica[ion.
Bo,rower shall also be responsible for the payment of any fees rmposed by the Federa:Emergency ManagementAgency
in connection with the review of any flood zone determination resuling from an objection by Borrower
If Borrowe, fails to ma,nta,n any ollhe Lender may obtain insurancecoverage, at Lender's
option and Borrower'sexpense. Lender is under no obligation to purchase any particular type or amount of coverage-
Therefore, such coverage shall cover Lender. bul might or might not prolect Borrower, Borrower's equity in the Properly,
or the contents of lhe Property. against any risk. hazard or Iiabilky and might provide greater or lesser coverage lhan
was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly
exceed the cost of insurance that 8orrower coukl have obtained. Any amounts disbursedby Lender under this Section 5
shall become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the
Note rate from the date of disbursement and shall be payable, with such interest, upon notte from Lender to Borrower
requesting payment.
required by Lender and renewals of such policies shall be subjectto Lender's rightto disapprove
All insurance policies
such ,nclude a standard mortgage clause, and shall name Lender as mortgagee and/or as an addKional
policies, shall
loss payee. Lender shall have the right to hold the policies and renewal certificates, tf Lender requires, Borfower shall
promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insu,ance
coverage, not otherwise required by Lender, for damage to. or destruction of, the Property, such policy shall include a
standard mortgage clause and shall name Lender as mortgagee and/or as an additionallosspayee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof
of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in wr,t,ng, any Insurance pro-
ceeds, whether or not the underlying insurance was required by Lender. shall be applied to restoration or repair of the
Property. M the resloralion or repair is economically feasible and Lender's security is not Iessened. During such repair
and restorahon period, Lender shall have the right to hold such insuranceproceeds until Lender has had an opporlun,ty
to inspect such Property to erlsure the work has been completed to Lender'ssatisfaction. provided that such Inspection
shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in
a serie
Preview
Filing # 132574678 E-Filed 08/12/2021 03:36:25 PM [N THE CIRCUIT COURT OF THE SEVENTEENTH JUDICIAL CIRCUIT IN AND FOR BROWARD COUNTY, FLORIDA GENERAL JURISDICTION DIVISION CASE NO. CACE-19-021666 FREEDOM MORTGAGE CORPORATION, Plaintiff. VS. ANDRE ST. STEVE KIFFIN, et. at. Defendantts). CERTIFICATION OF BUSINESS RECORDS AFFIDAVIT STATE OF Ind. UA4 , COUNTY OF jBm/6, BEFO RE me, perso nally appeared 13,(4 , ,/e.r l.,v.ont who, being of lawful age and after being first duly sworn, deposes and says: I I am FU SfecivlisrIGf Freedom Mortgage Corporation, the Plaintiff in this action. In this capacity I have personal know[edgc of the facts and matters stated herein, and I am authorized to execute this Affidavit on behal f o f PLAINTIFF. 2. The information contained in this affidavk is contained in the original books and records maintained by Freedom Mortgage Corpomtion, and the records referenced or summarized herein constitute records or data compilations ("the records") of transactions ("the Transactions") relating to the servicing of the mortgage loan a? issue in this foreclosure action. 3. The records were made at or near the indicated time based on informationtransmitted by, or from a person with knowledge of the Transactions. The records are kept in the course of Freedom Mortgage Corporation's regularly conducted business activit>. It is the regular practice of Freedom Mortgage Corporation to make these records. ln the course of my regular job duties I have access to and am familiar with these records, and I reviewed and relied upon these records in executing Ihis Affidavil. 19-376234 - DiV *** FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 08/19/2021 11:42:15 AM.**** 4. To the extent that the business records of the loan in this matter were created by a prior servicer, those records have been verified for accuracy and integrated into Freedom Mortgage Corporation's business records in the regular course of Freedom Mortgage Corporation'sregularly conducted business activity. 5. True and correct copies of records I have reviewed and relied upon in executing this Affidavit are attached to this Affidavitand incorporated herein. 6. According to the records, prior to the filing of the Complaint, the Plaintiffwas the designated holder of the note, or otherwise authorized to enforce, the promissory note and mortgage upon which Ihis foreclosure action is based. A true and correct copy of the original note is attached hereto as Exhibit A. A true and correct copy of the original mortgage is attached hereto as Exhibit B. 7. According to the records, Ihe borrower(s) have defaulted pursuant to the terms of the promissory note and mortgage sued upon. by failing to tender the Plaintiff the required payments when due. 8. The borrower(s) were sent a notice of default. A copy of this letter is attached hereto as Exhibit C 9. The default has not been cured and the Plaintiff has elected, in accordance with the terms of the note and mortgage, t0 accelerate the payment of the entire principal sum, together with accrued interest. 10. A true and correcl copy of the bonowets payment history is attached hereto as Exhibit D. It. Based on the business records reviewed and attached hereto, there is now due and owing to the Plaintiffupon said note and mortgage the followingatlached amounts. A true and correct copy of the business recods showing the amounts due and ewing is attached hereto as Exhibit E. Principal Balance $308,536.68 ]nterest to date of thi# Judgmenc August 17,2021 $33,004.90 Escrow Advance $26,372.97 Late Charges $1, I 14.39 Inspections i465.00 TOTAL $369,493.94 19-376234 OiV - 12. On account of the borrower(s) default under the note and mortgage sued upon herein. Freedom Mortgage Corporation, retained its attorney of record and authorized the filing of this action. Further, Freedom Mortgage Corporation, has agreed to be bound and obligated itself to pay said attorney for his/her services such sum as the Court shall adjudge to be reasonable Affant Signature: ChR -2 - Print Name: Uarles Le. 'Mon-r Title: FU Sp.al.jt I? Date: AuguJ+ Ili Zzzt STATE OF CJZG INR- COUNTY OF HCmlibn Swom to and subseribed before me by means o f Dljnsba]I, Notary Public. personally appeamd Eric Sturgis, Assistant Secretary ofMortgage Electronic RegistrationSystems. Inc., solely as nominee for Paramount Residential Mortgage Group, Inc., its successors and assigns,personally known to me (or proved to rnc thc basis of satisfacrory evidence) to be rhe person whose name is subscribed to the within iT=ument and acknowledgedto me that she/he/they executed the same in bor/hjstheirauthorized capacity(ies). and that by her.'his'their signature(s) on ihe insm'ment the person(s). or the entity upon behalfofwhich [he person(s) acted execuied the instrument, Witness my hand and official seal. ' NOTAR]ALSEAL James K. Ml,ishall. No:ary Pubti UPPiroumm.MMMCounty No-y Public:JamesK. Minshall - ".%992*MQ,Fxffi.92 BER 3:211J Mv Cr,mmkqir,n 1 n/7.9,C>0,4 FI:Ii51)(-).Bi AIi)1:-ILI.\(.i- Freedom Mortgage Corporation 907 Pleasant Valley Avenue Suite 3 , Mount Laurel, Nj 08054 A r IORNEY BA[1 F]C LETTER *Return Receipt Required* #PIEASE SCe. Me. AHac.Ned Ncme. 7DrendorsE.Men-i- Atlorney's Addresa: Robertson Anschutz and Schneid 6409 Congress Ave, Suite 100 Dale: 9-19-19 Boca Raton. FL 33487 Borrower(s): Andre St Steven Kiffin Property Address: 2126 N 32nd Ave, FL 33021 Hollywoodl Lender Loan #: Dear Sir or Madam: J TNCOM ING (Servicer/Plaintiff) Frecd.om Motlga*e Corporalion has asked you to commence and prosecutc a R,rcclosure aclion on Ihc morlgage loan Iistcd above ("Mortgage Loan") In cottnection witli such forcclosure activities, one or morc of the documents ("Documents"} indicated below evidencing or otherwise relating to the Mortgage [-oan were delivered to you. Ol;TGOING The undersigned, on behalf of , hereby certifies that, on or about , serviccr has taken possession, custody, and control via Federal Express delivery (tracking number from, , of (hose documents which are speei fically enumerated on the Bailee letters included with the documents. [. Note: -7 Origina I Cnpy Certified Truc Copy o Chain ol-Endorsementsi First: M Second: to El A][ong*s)- i r .. Fltciiuc LAI 1/c,1 t-i-ci. lili. Freedom Mortgage Corporation , 907 Pleasant Valley Avenue Suite 3. Mount Laurel. Nj 08054 2. Lost Notc Affidavit m 3. Security]*umentor Mon gag#4 - .B Rccordcd: ?? Original ? Copy X2 [? Unrecorded: ? Original ? Copy 4. Assignmenl(s) of Mortgage: ? Recorded: ? Origizia] ? Copy n Unrecorded- ? Original ? Copy 5. Modification Documcnis: ? Recorded: El Original El Copy El Unrecorded: E Original El Copy 6. Tille PolkY: 0 Recorded: ? Origmal B. Copy -[*1 Unrecorded: ] Original D. Copy x2 7. Other: signature/name affidavit c, baileeletter org - - uTitie CommitrncnT I acknowledgereeeipi ofthe Documents as lisled above and nolke o f ihe security inleregtq Ihercin. confirm the cenlfications made by me above and agree to ac, a< Bailee for the exclusive benefit of the Senicer and/or P l all-,11 ffa'rl.,5? on, he terms 5el forth above and o:herwise comply wilh the Iterms of this Auonlcy Bailec Ictlcr. My,Sha PIilt Nm./11 hl]C W,illiams zpaDI AKSisknt 1)ate: 9-20-19 .-r r MDPz M.-B.A.AA.7 MIN. - 0209EJij'??JLi? NOTE April 4,2017 PLANTATION, Florida [Date] Icm [State] 2126 N 32ND AVE, HOLLYWOOD, FL 33021 [Property Address] 1. BORROWER'S PROMISE TO PAY In retum for a loan lhal 1 have received. I pfomise to pay U.S. S319,113.00 (this amount is called *Pnncipar), plus interesl. to be ordef of the Lender. The Lender is Paramount Residential Mortgage Group, Inc., a California Corporation. I will makeall payments undec this Nole Inthe form ofcash, checkormoney order. 1 understand Ihal the Lender may transfer this Note, The Lender or anyone who takes this Note by transfer and who Is enlillcd to receive payments under This Note is called the "No:e Holder 2. INTEREST Inlereslwill becharged on unpaidprincipaluntdthefullamountofPrincipathas beenpaid Iwillpay interest at a yea,Iy rale of 4.500 %, The interest rate required by U'Ms Section 2 is the rate I will pay both before and after any default described in Section 6(B] o[ this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and inieresl by making a payment every monlh, I will make my monthly paymenl on Ihe lit day of each month beginning on June 1,2017. I will make these payments every month unlil I have paidall ofthe principal and inte,esland any other chargesdescribed below that I may owe under th,s Note. Each monthly payment will be applted as of ils scheduled due date and will be applied to interest and any other Hems m the order described in the Secunty Instrument before Principal, If, on May 1. 2047, I slili owe amounts under this Note, I will pay those amounts In full on that date, which is called the "Maturily Date. I will make my monthly payments al 1265 Corona Polnle Court. Suite 301 Corona, CA 92879 or at a different place If required by the Note Holder {B) Amount ol Monthly Payments My monthly payment will be in the amount of U.S. $1,616.90. 4. BORROWER'S RIGHT TO PREPAY 1 have the nght to make payments of Pnncipal at any time before they are due. A payment of Principal on4 is known as a "Prepayrnent."When I make a Prepayment I wlll tdl tl-,e Note Holder in wrltlng that l am doing so. l may not designate a payment as a P,epayment W I have not made all the monthly payments due under the Note. I may make a full Prepaymentor panial P,epayments wllhowt payng a Prepayment charge. The Note Holder mil use my Prepaymenls to reduce the Principal that I owe under this Note. However, the Note Holder may apply my amount of Prepayment to the accrued and unpaki interest on the Prepaymentamount. before applying my Prepayment lo reduce Ihe Principal amount of Uie Note, Ifl makea partial Prepaymont, therewll bo no charlgos in theduo dateorin the amount of my monthly payment unless the Note Holder agrees in wnt,ng to,1-lose changes. 5. LOAN CHARGES If a law. wh,ch applies to this loan and whkh sets maximum loan charges. Is finally interpreted so that the interest or othe, loan charges'collectedor to be Collected In connection with this loan exceed tile permitted limits. then: (a) any such loan charge shall be reducod by tile amount necessary o reduce the Charge to the permmed IUnit. and (b) any sums already collecled from me whichexceeded perm,ucd limits will be refundedto mei The Note Holder may choose to make this refund by reduong Ihe Pnncipal l owe under th,s Note or by making a dkrect paymenl lo me Ifa refund reduces Principal, Ute reduction will be Ueated as a partial Prepayment. r,Ar,r,d"u,rn,r rA I, ,/nr T,-' r,Av I r nrjp-ui,Mr-. L. . 4 LOAN #: all the interest mal I owe on that amount. That date musl be al Ieasi 30 days after the date on which the notice is mailed to me or delivered by oUter means. {D) No Waiver By Note Holdef Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described ' above. the Nole Holder wIl still have Ihe right io do so if lam in default at a Ialer time. (E) Payment of Note Holder's Costs and Expenses If tile Note Holdef has required me to pay immediately In full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses irl enforc,ng this Note to the extent not prohibited by applicable law. Those expenses include. for example, reasonable anomeys' fees. 7. GIVING OF NOTICES Unless applicable raw requires a differenl melhod, any notice that must be given lo me under tms Note will be given by delivering It or by maMing it by first class mail to me at the Property Address above or at a different address Pf I give the Note Holder a notice of my different address. Any notice that must be given to the Note Hoider under this Note will be given by deltvering it or by mailing it by first class mail to the Note Holder at the address stated in Soct,On 3(A) above or at a different address if I am given a notice of thai d#ferent address 8 OBLIGATIONS OF PERSONS UNDER THIS NOTE Ifmore thanonepersocs,gnsthls Note, eachpe,son isfullyand personallyobligated to keep atl of the prom,ses made In Ihis Note, 'nclud'ng the prom,se to pay the full amount owed, Any person who is a guafanlor, surety or endorser of lh's Note is also obligated to do these tfu ngs. Any person who lakes over these obl,gat,ons, Including the obligations of a guar- antor, surety o, endorsef o[ tt.s Note, is also obligated lokeepall ol the promises made In this Nole. The Note Holder may enforce ils rights under this Note againsl each pefson irldivtdualb, or against all of us together This means that any one ol u 5 may be required lo pay aW of Ihe amounls owed under this Note 9. WAIVERS I and any other person who has obligations under this Note waive the nghts of Presentment and Notice of Dlshonor. -Presentment"means the righ[ torequIre the Note Holder to demand paymerlt of amounts due. "Not,ceof Dishonor means the right lo require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORMSECURED NOTE This Noe,s a uniform Inst,umenn wth limited variations in some jurisdictions. In addrtion to the protections given to the Note Holder urlder this Note. a Mortgage. Deed of Trust. or Security Deed (the 'Securrty Instrument"). dated the same date as Ihis Note. protects Xhe Note Holder from possible losses which might result if I do not keep the promises which 1 makein this Note. Thai Security instrument describes how and under what conditions I may be requiroct to make immediate payment in Iull of all a mounts 1 owe under this Note Some of those condillons are describedas follows: " all or any part of Ihe Propefty or any Interest in the Property is sold or transferred (or N Borrower :s not a natural person and beneficial interest in Borrower is sold or transferred)without Lenders pnor written consent, a Lender may require Immediatepaymen{ in fullofall sumssecuredbythis Security Instrument. However, this option shall not be exercised by Lender if such exercise is proh,bited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice ol acceleration. The note shall provide a period of not less than 30 days from the dale the rlollce Is given In accordance with Section 14 within which Borrower must pay Ml sums secured by thls Secunty Instrument, If Borrower fails to pay these sums prio, to the expiration of his period, Lendec may invoke any remedkes permrtted by this Security Instrumenl without further notice or demand on Borrower 11. DOCUMENTARY TAX The state documentary tax due orl this Note has been pa,d on the mortgage secunng this indebtedness, WITNESS THE HAND{S) AND SEAL(S} OF THE UNDERSIGNED (Sea!) ANDRE STkl-EVE KIFFIN Lender: Pa,amounl Residential Mortgage Group, Inc. Pay to the order of wmoul recourse U#s day of - 20 - Freedom Mortgage Corporation { dL Stanley C. M,ddleman President/Chef Executjve Officer ALLONGE Loan Number: Loan Date: 04/04/2017 Borrower(s): ANDRE ST. STEVE KIFFIN Property Address: 2126 N 32ND AVE, HOLLYWOOD. FL 33021 Princbpal Balance: 319,113.00 PAY TO THE ORDER OF FRERDOM MORTGAGE CORPORATION Without Recourse A CALIFORNIA Company Name: PARAMOUNTRESIDENTIAL MORTGAGE GROUP, INC., CORPORATION Kevin McHenry Director of Loan Accounting By, Tkle K** .-r r MDPz M.-B.A.AA.7 MIN'- 0209EJij'??JLi? NOTE FHACase No. April 4,2017 PLANTATION, Florida [Date] Icm [State] 2126 N 32ND AVE, HOLLYWOOD, FL 33021 [Property Address] 1. BORROWER'S PROMISE TO PAY In retum for a loan lhal 1 have received. I pfomise to pay U.S. S319,113.00 (this amount is called *Pnncipar), plus interesl. to be ordef of the Lender. The Lender is Paramount Residential Mortgage Group, Inc., a California Corporation. I will makeall payments undec this Nole Inthe form ofcash, checkormoney order. 1 understand Ihal the Lender may transfer this Note, The Lender or anyone who takes this Note by transfer and who Is enlillcd to receive payments under This Note is called the "No:e Holder 2. INTEREST Inlereslwill becharged on unpaidprincipaluntdthefullamountofPrincipathas beenpaid Iwillpay interest at a yea,Iy rale of 4.500 %, The interest rate required by U'Ms Section 2 is the rate I will pay both before and after any default described in Section 6(B] o[ this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and inieresl by making a payment every monlh, I will make my monthly paymenl on Ihe lit day of each month beginning on June 1,2017. I will make these payments every month unlil I have paidall ofthe principal and inte,esland any other chargesdescribed below that I may owe under th,s Note. Each monthly payment will be applted as of ils scheduled due date and will be applied to interest and any other Hems m the order described in the Secunty Instrument before Principal, If, on May 1. 2047, I slili owe amounts under this Note, I will pay those amounts In full on that date, which is called the "Maturily Date. I will make my monthly payments al 1265 Corona Polnle Court. Suite 301 Corona, CA 92879 or at a different place If required by the Note Holder {B) Amount ol Monthly Payments My monthly payment will be in the amount of U.S. $1,616.90. 4. BORROWER'S RIGHT TO PREPAY 1 have the nght to make payments of Pnncipal at any time before they are due. A payment of Principal on4 is known as a "Prepayrnent."When I make a Prepayment I wlll tdl tl-,e Note Holder in wrltlng that l am doing so. l may not designate a payment as a P,epayment W I have not made all the monthly payments due under the Note. I may make a full Prepaymentor panial P,epayments wllhowt payng a Prepayment charge. The Note Holder mil use my Prepaymenls to reduce the Principal that I owe under this Note. However, the Note Holder may apply my amount of Prepayment to the accrued and unpaki interest on the Prepaymentamount. before applying my Prepayment lo reduce Ihe Principal amount of Uie Note, Ifl makea partial Prepaymont, therewll bo no charlgos in theduo dateorin the amount of my monthly payment unless the Note Holder agrees in wnt,ng to,1-lose changes. 5. LOAN CHARGES If a law. wh,ch applies to this loan and whkh sets maximum loan charges. Is finally interpreted so that the interest or othe, loan charges'collectedor to be Collected In connection with this loan exceed tile permitted limits. then: (a) any such loan charge shall be reducod by tile amount necessary o reduce the Charge to the permmed IUnit. and (b) any sums already collecled from me whichexceeded perm,ucd limits will be refundedto mei The Note Holder may choose to make this refund by reduong Ihe Pnncipal l owe under th,s Note or by making a dkrect paymenl lo me Ifa refund reduces Principal, Ute reduction will be Ueated as a partial Prepayment. r,Ar,r,d"u,rn,r rA I, ,/nr T,-' r,Av I r nrjp-ui,Mr-. L. . 4 LOAN #: all the interest mal I owe on that amount. That date must be al Ieasi 30 days after the date on which the no ice is mailed to me or delivered by oUter means. {D) No Waiver By Note Holdef Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described ' above. the Nole Holder wIl still have Ihe right io do so if lam in default at a Ialer time. (E) Payment of Note Holder's Costs and Expenses If tile Note Holdef has required me to pay immediately In full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses irl enforc,ng this Note to the extent not prohibited by applicable law. Those expenses include. for example, reasonable anomeys' fees. 7. GIVING OF NOTICES Unless applicable raw requires a differenl melhod, any notice that must be given lo me under tms Note will be given by delivering It or by maMing it by first class mail to me at the Property Address above or at a different address Pf I give the Note Holder a notice of my different address. Any notice that must be given to the Note Hoider under this Note will be given by deltvering it or by mailing it by first class mail to the Note Holder at the address stated in Soct,On 3(A) above or at a different address if I am given a notice of thai d#ferent address 8 OBLIGATIONS OF PERSONS UNDER THIS NOTE Ifmore thanonepersocs,gnsthls Note, eachpe,son isfullyand personallyobligated to keep atl of the prom,ses made In Ihis Note, 'nclud'ng the prom,se to pay the full amount owed, Any person who is a guafanlor, surety or endorser of lh's Note is also obligated to do these tfu ngs. Any person who lakes over these obl,gat,ons, Including the obligations of a guar- antor, surety o, endorsef o[ tt.s Note, is also obligated lokeepall ol the promises made In this Nole. The Note Holder may enforce ils rights under this Note againsl each pefson irldivtdualb, or against all of us together This means that any one ol u 5 may be required lo pay aW of Ihe amounls owed under this Note 9. WAIVERS I and any other person who has obligations under this Note waive the nghts of Presentment and Notice of Dlshonor. -Presentment"means the righ[ torequIre the Note Holder to demand paymerlt of amounts due. "Not,ceof Dishonor means the right lo require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORMSECURED NOTE This Noe,s a uniform Inst,umenn wth limited variations in some jurisdictions. In addrtion to the protections given to the Note Holder urlder this Note. a Mortgage. Deed of Trust. or Security Deed (the 'Securrty Instrument"). dated the same date as Ihis Note. protects Xhe Note Holder from possible losses which might result if I do not keep the promises which 1 makein this Note. Thai Security instrument describes how and under what conditions I may be requiroct to make immediate payment in Iull of all a mounts 1 owe under this Note Some of those condillons are describedas follows: " all or any part of Ihe Propefty or any Interest in the Property is sold or transferred (or N Borrower :s not a natural person and beneficial interest in Borrower is sold or transferred)without Lenders pnor written consent, a Lender may require Immediatepaymen{ in fullofall sumssecuredbythis Security Instrument. However, this option shall not be exercised by Lender if such exercise is proh,bited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice ol acceleration. The note shall provide a period of not less than 30 days from the dale the rlollce Is given In accordance with Section 14 within which Borrower must pay Ml sums secured by thls Secunty Instrument, If Borrower fails to pay these sums prio, to the expiration of his period, Lendec may invoke any remedkes permrtted by this Security Instrumenl without further notice or demand on Borrower 11. DOCUMENTARY TAX The state documentary tax due orl this Note has been pa,d on the mortgage secunng this indebtedness, WITNESS THE HAND{S) AND SEAL(S} OF THE UNDERSIGNED (Sea!) ANDRE STkl-EVE KIFFIN Lender: Pa,amounl Residential Mortgage Group, Inc. Pay to the order of wmoul recourse U#s day of - 20 - Freedom Mortgage Corporation { dL Stanley C. M,ddleman President/Chef Executjve Officer ALLONGE Loan Number: L Loan Date: 04/04/2017 Borrower(s): ANDRE ST. STEVE KIFFIN Property Address: 2126 N 32ND AVE, HOLLYWOOD. FL 33021 Princbpal Balance: 319,113.00 PAY TO THE ORDER OF FRERDOM MORTGAGE CORPORATION Without Recourse A CALIFORNIA Company Name: PARAMOUNTRESIDENTIAL MORTGAGE GROUP, INC., CORPORATION Kevin McHenry Director of Loan Accounting By, Tkle K** 1 'yhen recorded, return to: This document was eleclronicaily Paramount Residential Mortgage Group, Inc. Attn: Post Closing Deparlment recordcd ARr.i-5,2.a7 as 1265 Corona Pointe Court, Suite 301 Insmunent No. 114304137 Corona, CA 92879 ORB PG Public This document was prepared by: Recordsof-Broward Jemlat Kabiawu County, Fwrida PRMG 1265 Corona Pointe Ct Corona, CA 92879 954-641-5626 Title Order No.:- LOAN# [Space Above This Lino iof Recocd,ng Datal FHA Cate No, MORTGAGE MIN: MERS PHONE #: DEFINITIONS Wmds used in multipte sections of this document are defined below and other words aredef,nedm Sect,ons 3,10.12, 17, 19 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 15 (A) "Security Instrument" means th,s document, whtch Is dated April 4.2017, together with all Riders lo this documen/. (B) "Borrower' is ANDRE ST. STEVE KIFFIN. A SINGLE MAN. Borrower is the mortgagorunder this Security Instrument. (C) "MERS- is Mortgage Electronic Registratlon Systems, Inc. MERS is a separatecorporation that bs acting solely as a nominee for Lender and Lender's successors and asgns MERS is the mortgagee under this Security Instrument. MERS is organized and exsting under the Iaws ol Delaware, and has an address andtebephonenumber of P.O. Box 2026, Flint, MI 48501-2026. lel. (888) 679-MERS. (D) "Lender- is Paramount Residential Mortgage Group, Inc. . Lender is a California Corporation, organized and existing under the laws of California. Lender's address is 1265 Corona Pointe Court, Suite 301, Corona , CA 92879 {E) "Note" means the promissory note signed by Borrower and dated April 4,2017. The Note slates that Borfower owes Lender THREE HUNDRED NINETEEN THOUSAND ONE HUNDRED THIRTEEN AND NO/100' Anl,ore fl , C: Electronic Funds Transfer, Payments are deemed received by Leflder when received at the location designated In the Note or at such other location as may be designated by Lender in accordance w,Ih the notice provisions in Section 14. Lender may return any payrnentor partialpayment rfthe paymerit or partialpaymentsare tnsuffic,entto bring Ihe Loan current. Lender may accept any payment or par't,al payment insufficent lo bring the Loan current, without waiver of any rights hereunder oc pre,udk:e to Its f,ghts to refuse such payment or partial paymenls in the future. but Lender is not obligated to apply such payments at the time such paymenis are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so wllhin a reasonable penod of time. Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due underthe Note and this Secumy Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwisedescnbed in this Section 2. all payments accepted and applied by Lender shall be applied in the following order of PMMY First, to the Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by :he Sec- retary icistead of the monthly morlgage insurance premiums: Second. to any taxes, special assessments. Ieasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required, Third, to interest due under the Note, Fourth, to amortizationof the principal of the Note and. Ffth, to late charges due under the Note. Any application of payments, insurance proceeds, or MiscellaneousProceeds to principal due under the Note shall not extend or postpone the due date. o, change lhe amount, of the Pe,iodic Payments. 3. Funds for Escrow Items. Bor,ower shall pay to Lender on the day Permdic Payments are due under the Note, unt,1 the Note is paid,n full. a sum (the "Funds-) 10 provide for payment of amounts due fof: (a) taxes and assessmems and other items which can attain prior,ty over this Secunty Instrument as a lien or encumb,anceon the Property; {b) Ieasehold payments or ground rents on the Prope,ty, ifany. {c) premiums forany and all insurance required by Lender under Sectlon 5 and (d) Mortgage Insurance premums, to be paid by Lender to the Secretary or the monthly charge by lhe Secretary instead of the monthly Mortgage Insurance premiums. These items are called =Escrow ]terns/At origination or at any time during the term of the Loan, Lender may require thai Commumly Association Dues, Fees, and Assessments, if any, be escrowed by Borrower. and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furn,sh to Lender all nottes of amountsto be paid under this Section, Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or ail Escrow Items. Lendef may wa,ve Borrcmer's obligation to pay to Lender Funds for any or all Escrow Ilems at any time. Any such waiver may only be in wnting. In the event of such wawer. Borrower shall pay d,rectly. when and where payable, the amountsdue lor any Escrow lterns for wh,ch paymenrof Funds has been wawed by Lender and, # Lender requires, shall furnish to Lender receiptsevidencing such payment within such tjme penod as Lender may require. Borrower's obl,gabon to make such payrnents and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase -covenan[ and agreement' is used in Section 9. H Borrower Is obr,gated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails lo pay [he amount due for an Escrow Item, Lender may exercise ils rlghls under Section 9 and pay such amoun[ and Borrower sha? then be obkgated under Section 9 to repay to Lender any such amount. Lender may revokethe waiver as lo any or al Escrow Items al any t,me by a notice given in accordancewithSection 14 and, upon such revocation, Borrower shall pay to Lender all Funds. and in such amounk that are then required under this Section 3 Lender may, at any time. collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the Ume specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimatesof expenditures of future Escm Items or olherwise In accordance with Applicable Law. The Funds shall be held in an instftution whose deposrts are insured by a federal agency. instrumentality, or entity hnrln,-Ibw, I an,-Uar if l url,-Iar ic 2n ir,ct,h sra en inei ira,4),w- i,? a,w Carlural Wnrn. I nor, Aonk- I onrlir eholl LOAN #: Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4.Chargese Liens. Borrower shall pay all taxes, assessments, charges. fines. and Impositions attributable to the Property which can attain pnority over this Secunty Instrument Ieasehold payments or ground rents on the Property, ,f any. and Community Association Dues, Fees, and Assessments, i[ any. To the extentthat these items are Escrow Ilems, Borrower shelf pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority overth,s SecurityInstrument unless Borrower: (a) agrees in wriling to the payment of the obligation secured by the lien in a manner acceplable to Lender, but only so long as Borrower is performingsuch agreement: (b) contests the I,en in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender s opinion operate to prevent the enforcement of the lien while those pfOCeedings are pending, but only until such proceedings are concluded, or (c) scores from the holder of the lien an agreement sat- ,sfactory to Lender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Property is subjea to a lien which can attain pr,onty overthis Securitylnstrument, Lendermaygive Borrowera notice identlfying the lien, Vthin 10 days of the date on which that notice is given. Borrower shall satisfy the lien or take one or more of the actions set forth above In this Section 4. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured aga,nstloss byfire. hazardslncludedwithin the:erm"extendedcoverage, and any other hazards including. but not I,mrted to. earthquakes and floods, for whkh Lender requires insurance. This insurance shall be maintained in the amounts (induo,ng deductible levels) and forthe periods thal Lender requires. What Lender requires pursuantto the preceding sen- knees can change during the term oflhe Loan. The insurance carrier prov,d,ngthe insurance shall be chosen by Borrower sublect to Lender's right to disapprove Borrowers choice, whkh nght shall not be exercised Unreasonably. Lender may require Borrower to pay. in connect,on with this Loan, either: (a) a one-timecharge for flood zone deterrnnat,on, certlflca- tior? and tracking services. or (b) a one-time charge for flood zone determinationand certificaton servicesand subsequent charges each Wne rernappings or 5,milar changes occur which reasonably might affect such determination or cert:fica[ion. Bo,rower shall also be responsible for the payment of any fees rmposed by the Federa:Emergency ManagementAgency in connection with the review of any flood zone determination resuling from an objection by Borrower If Borrowe, fails to ma,nta,n any ollhe Lender may obtain insurancecoverage, at Lender's option and Borrower'sexpense. Lender is under no obligation to purchase any particular type or amount of coverage- Therefore, such coverage shall cover Lender. bul might or might not prolect Borrower, Borrower's equity in the Properly, or the contents of lhe Property. against any risk. hazard or Iiabilky and might provide greater or lesser coverage lhan was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that 8orrower coukl have obtained. Any amounts disbursedby Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notte from Lender to Borrower requesting payment. required by Lender and renewals of such policies shall be subjectto Lender's rightto disapprove All insurance policies such ,nclude a standard mortgage clause, and shall name Lender as mortgagee and/or as an addKional policies, shall loss payee. Lender shall have the right to hold the policies and renewal certificates, tf Lender requires, Borfower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insu,ance coverage, not otherwise required by Lender, for damage to. or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additionallosspayee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in wr,t,ng, any Insurance pro- ceeds, whether or not the underlying insurance was required by Lender. shall be applied to restoration or repair of the Property. M the resloralion or repair is economically feasible and Lender's security is not Iessened. During such repair and restorahon period, Lender shall have the right to hold such insuranceproceeds until Lender has had an opporlun,ty to inspect such Property to erlsure the work has been completed to Lender'ssatisfaction. provided that such Inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a serie