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UNITED STATES DISTRICT COURT
NORTHERN DIB1'R[(TOF ILLINOIS

DEUTSCHE BA."NKNATIONAL TRUST COMPANY AS TRUSTEE NOVASTAR MORTGAGE FlJ1\lT})INGTRUST, SERIES 20065 NOVASTAR HOME EQUITY LOAN ASSET-

SUMMON S IN A CIVIL CASE

BACKED CERTIFICATES, SERIES 2006-5
CASE NUMBER:

ll-cv-1950
Rebecca R. Pallmeyer Hon. Susan E. Cox

PLAINTIFF

V.
KRISTEN M. BODZIANOWSKl, BODZIANOWSKI. HOWARD J.

AsSIGNED JUDGE:

DESIGNATED MAGISTRATE JUDGE:

DEFENDANT(S).

Kristen M. Bodzianowski 3314 Concord Court Lockport, IL 60441
YOU ARE HEREBY SUMMONED· and required ttl serve upon PLAINTIFF'S ATIOR..'hffiY
(name aI'ld aC.dl'~s)

JAMES NICK PAPPAS
Burke Costanza & Carberry LLP 9 t 91 Broadway Merrillville, IN 46410

an answertn the complaint which is herewith served upon you, Twenty-one (21) days after service of this summons upon you., exclusive of the dayofservlce, If you fail to do so,judg.ment by default will be taken against you for the relief demanded.in the complaint. YOq must also file your answer with the Clcrkoi,' this Court within a reasonable period of time after service.

MICIrAEL W. DOBBINS, CLERK

(By)

PEPUTYCLERK

DATE.,

MICHAEL W. DOBBINS, CLERK
,~~_, DEPUTY CLERK

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RETURN OF SERVICE
Service of-tbe .$11tiJrilOnl;311d corilPla41~'MIS made by~W
N4MEOr. SERVER (PRiNT) thed one box below
10 Jndtcalt!

DATE.
TITLE

(Jpprdpria~emethod of service Place where served:

D Serv.cd personally upon tbedi:fcD~a.nt.

0 Left copies thereof,at the defendant's dwelling house or usual place o-f abcdewitba'person discretientbenresiding tb&.relD. Name (jfJl'et"son·wlthwllomthesummons 0 Returned unexecuted: and comphintwere left:

of suitable age and

D Other·(ljpecifY):

STATEMENT ORSERVICE FEES
TRAVEL ISEJl.VJcrS DECLARATION OF SERVER

I

TOTAL

I declare under penaltyofpeljury under the Jaws of the United :StateSOL America-that the (Q.Tegolllg information contained in the RetUI'Il of-Service' aDdStab::ment.qf Service.Fees.is true and.correct.

Bxecuted an
Date

S(gnature ofServu

Addms

O/SrJ7Ve/'

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THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE IN THE UNITED STATES DISTRICT COlJ"RT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION DEUTSCHE BANK NATIONAL TRUST C01vfPANY AS TRUSTEE NOVASTAR MORTGAGE FUNDING TRUST, SERIES 2006-5 CASE NUMBER: I: 11-cv-1950 NOVASTAR HOME EQUITY LOAN ASSETBACKED CERTIFICATES, SERIES 2006-5 PLAINTIFF VS. HOWARD 1. BODZIANOWSKI, KRISTEN M. BODZIANOWSKI, DEFENDANT(S). COMPLAINT TO FORECLOSE MORTGAGE
Plaintiff, DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE NOVASTAR MORTGAGE FUNDING TRUST, SERIES 2006-5 NOVAS TAR HOME EQUITY LOAN ASSETBACKED CERTIFICATES, SERIES 2006-5, by Burke Costanza & Carberry LLP, one of its attorneys, files its Complaint to foreclose a mortgage, states as follows:

DISTRICT JUDGE: MAGISTRATE JUDGE:

1.

Plaintiff files this Complaint to Foreclose the Mortgage hereinafter described.

2. Jurisdiction of this Court is based on diversity of citizenship, 28 U.S .C. 1332. There is complete diversity and the matters in controversy, exclusive of interest and costs, exceed the sum of S75,000.

3. Plaintiff is a national association headquarters in the State of New York. 4.
Defendant(s)

chartered

under the laws of New York, and having its

is/are citizen(s) of the following State(s):

Howard J. Bodzianowski the State of IL Kristen M. Bodzianowski the State ofIL 5. The citizenship of other persons or entities joined as defendants is as follows: NI A

6. Venue is proper in this District because the Mortgage at issue is secured by property located in this District and because a substantial part of the events or omissions giving rise to the claim occurred here. 18 U.S.C. § 1391.

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7. Plaintiff, elected to accelerate the principal balance due, together with accrued interest, fees and costs, and confums that election by the filing of this complaint. 8. Any pre-suit notice requirements have been waived.
11

have been met, and any and all grace periods have expired or

9. Attached as Exhibit A n is a copy of the Mortgage. Attached as Exhibit "Btl is a true copy of the Adjustable rate note ("Note") secured thereby. Attached as Exhibit "C" is a copy of the Assignment of Mortgage. 10. a) b) c) d) Information concerning mortgage: mortgage 09/25/2006 Howard J. Bodzianowski,

Nature of instrument: Date of mortgage: Name of mortgagor: Mortgage Information:

Kristen M. Bodzianowski

1. ii,

iii. e)

Name of Original Mortgagee: Novastar Mortgage, Inc. Name of Current Mortgagee: DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE NOVASTAR MORTGAGE FUNDING TRUST, SERIES 2006-5 NOVAS TAR HOME EQUITY LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-5 Name of Current Loan Servicer: Oewen Loan Servicing, LLC

Date and place of recording: Recorded on 11122/2006, in the Office of the Will County Recorder's Office

f)

Identification

of recording: Document/Instrument No. R2006194666

g) h) i)

Interest Subject to Mortgage: Fee Simple Amount of Original Indebtedness., including subsequent advances made under the mortgage: $165,000.00 Both the legal description of the mortgaged real estate and the common address or other information sufficient to identify it with reasonable certainty:

LOT 48 IN HERITAGE LAKE ESTATES UNIT THREE, A SUBDIVISION OF THE SOUTH HALF OF THE SOUTHEAST QUA RTER OF SECTION 24, TOWNSHIP 36 NORTH, RANGE 9, EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF RECORDED MARCH 27, 1997, AS DOCUMENT NO. R9725051, IN WILL COUNTY, ILLINOIS.

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More Commonly Known As:

3314 Concord Court Lockport, IL 60441

. Permanent Index No. 03-24-405-025-0000

j)

Statement as to defaults: The Mortgage is in default due to the failure of the mortgagor(s) to pay the monthly installments of principal, interest, and taxes, from 0210 112010 through the present. There remains an outstanding principal balance of $160,895.29 with interest accruing on the unpaid principal balance at $40.00 per day, plus attorneys fees, foreclosure costs, late charges, advances, and expenses incurred by the Plaintiff as a result of the default. Name of present owner of the real estate: Howard J. Bodzianowski, Kristen M. Bodzianowski and whose interest in or lien on the

k)

1)

N ames of other persons who are joined as defendants mortgaged real estate is sought to be terminated: N/A

m)

Names of defendants claimed to be personally liable for deficiency, if any: Kristen M. Bodzianowski

n)

Capacity in which Plaintiff brings this foreclosure: Plaintiff is the legal holder of the indebtedness and the owner of the mortgage given as security given as security therefore. The redemption period terminates on one of the following dates, whichever is later: If the Property is Residential Real Estate:

0)

0)

7 months from the date the mortgagor [or, if more than one, all the mortgagors] (I) have been served with summons or by publication or (II) have otherwise submitted to the jurisdiction of the court; or 3 months from the entry of the judgment of foreclosure.

(ii)

If the Property is Non-Residential (i)

Real Estate

6 months from the date the mortgagor [or, if more than one, all the mortgagors] (I) have been served with summons or by publication, or (II) have otherwise submitted to the jurisdiction of the Court, if commercial real estate; or 3 months from the entry of the judgment of foreclosure,

(iii)

Pursuant to the terms of the 735 !LeS 5115-1603, the Court will determine the length of the redemption period upon making a finding, based on the facts and circumstances available to the

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Court at the time of judgment, that the property is either residential, non-residential, or real estate of value less than 90 percent of amount owed. p) Facts in support of request for attorneys' fees and of costs and expenses, if applicable:

abandoned)

Pursuant to the terms of the Note and Mortgage, the mortgagee is entitled to recover attorneys' fees, court costs, title costs, and other expenses, which plaintiff has been and will be required to expend in the prosecution of this foreclosure. q) Facts in support of a request for appointment of mortgagee receiver, and identity of such receiver, if sought:

in possession

Of

for appointment of

Plaintiff reserves the right to file a separate Petition for Appointment of Mortgagee in
Possession or Receiver, if applicable. r) Plaintiff reserves the right to offer, in accordance with Section 15-1402 [735 ILCS 5/15-1402] to accept title to the real estate in satisfaction of all indebtedness and obligations secured by the mortgage without judicial sale. Name or names of defendants whose right to possess the mortgaged real estate) after the confirmation of a foreclosure sale, is sought to be terminated and, if not elsewhere stated, the facts in support thereof: Kristen M. Bodzianowski, Owners of record Howard J. Bodzianowski By virtue of being the Mortgagor(s) and/or

s)

REQUEST FOR RELIEF
WHEREFORE, Plaintiff respectfully requests:

A.

Judgment of foreclosure and sale by the Sheriff of Will County or a Judicial Sales Officer appointed for that purpose.

B. C.

An order granting a shortened redemption period, if applicable.
A deficiency judgment against only those Defendants/Obligors, who have not received an order discharging the subject debt in bankruptcy proceedings, or who are not currently involved in bankruptcy proceedings in which the stay has been modified for the sole purpose of foreclosing the subject lien.

D.
E.

An Order granting possession if sought.
An Order placing the mortgagee in possession or appointing a receiver, if sought.

F.

Ajudgment for attorneys' fees, costs and expenses, including but not limited to payments for taxes, insurance, securing, inspections and other expenses of the plaintiff, if sought.

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G.

A fmding that the interests of all named defendants are junior and subservient mortgage lien being foreclosed herein and the termination of leaseholds, if any.

to the

H. L

An Order enforcing its assignment of rents derived from the real estate, if applicable.
Such other and further relief as the Court deems just, including, declaratory and injunctive relief. but not limited to,

ADDITIONAL REQDEST FOR RELIEF J. K.
L. A Sale by public auction. A cash sale by open bid. A provision that a Sales Officer, Sheriff of Will County, or special commissioner shall conduct the sale for a reasonable fee, which fee shall be recoverable by Plaintiff in the event of Redemption.

M.

An order that the tile in the real estate may be subject, at the sale, to exceptions including general real estate taxes for the current year and for preceding years which have not become due and payable as of the date of entry of the judgment of foreclosure, any special assessments upon real estate, and easements and restrictions of record.
That the plaintiff be entitled to recover in any reinstatement or redemption, any additional taxes paid. or advances paid for expenses including, but not limited to, insurance, inspection, boarding and securing said premises, or other expenses to preserve and protect said security. Dated: March 21,2011 Respectfull y submitted,

N.

lsi James N Pappas
One of Plaintiffs Attorneys JAMES NICK PAPPAS #6291873 Burke Costanza & Carberry LLP

Attorneys for Plaintiff
222 Riverside Plaza, Suite 2943 Chicago, IL 60606 (219) 769-1313

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FAIR DEBT COLLECTION

PRACTICES ACT NOTICE

The following Notice applies to: Howard J. Bodzianowski, Kristen M. Bodzianowski: I.BURKE COSTANZA & CARBERRY LLP IS A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. AN'Y Tho'FORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 2.The name and address of the creditor that the law firm represents is: DEUTSCHE Bk"-x. NATION.A.L TRUST COMPANY AS TRUSTEE NOVASTAR MORTGAGE FUNDING TRUST, SERIES 2006-5 NOV.~STAR HOME EQUITY LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-5 1661 WORTIIINGTONROAD SUITE 100 . WEST PALM BEACH, FL 33409
3.The debt that we are attempting to collect is described in the attached Complaint and Exhibits.

4.The total amount due on the debt, as of December 20,2010, was $179,526.18, Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence if you pay the amount state above, an adjustment may be necessary after we receive your check, in which event we will inform you before depositing your check. For further information, Write our fmn or call (219) 769-1313. 5.Unless you, within thirty days after receipt of this notice, dispute the validity of the debt, or any potion, thereof, we will assume that the debt described in this Complaint and attached Exhibits is valid. 6.If you notify our office in writing, within thirty days after receipt of this Notice, that the debt, or any portion thereof, is disputed, we will obtain a verification of the debt and a copy of the verification of the debt will be mailed to you. 7.If original creditor is not the creditor named as plaintiff in the Complaint, and you make a written request to BURKE COSTANZA & CARBERRY LLP within thirty (30) days from the receipt of this Notice, we will mail the name and address of the original creditor to you. 8. Please note that the Summons issued to you by the Clerk of Court, provides that you must submit an Answer to the Court within 21 days of receipt of the Summons and Complaint. If, however, you dispute the debt, or any portion thereof, or you make a written request for the name and address of the original creditor, we shall cease our efforts to collect the debt until we mail you verification of the debt, or the name and address of the original creditor. We will also extend the time you have to file an answer until we provide the verification or additional information, 9. Written requests should be addressed to BURKE COSTANZA & CARBERRY LLP, 9191 Broadway, Merrillville, IN 46410.

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IMPORTANT INFORMATION FOR HOMEOWNERS IN

FORECLOSURE

HOW TO SAVE YOUR PROPERTY - PLEASE READ - DO NOT IGNORE
1. POSSESSION: The lawful occupants of a home have the right to live in the home until ajudge enters an order for possession, In most cases, if you continue to live in your home, you will have at least nine(9) months before you have to move.

2.

OWNERSIllP: You continue to own your home until the court rules otherwise.

3. REINSTATEMENT: As the homeowner you have the right to bring the mortgage current within 90 days after you receive the summons. 4. REDEMPTION: As the homeowner you have the right to sell your home, refinance, or payoff the loan during the redemption period, which is at least seven(7) months after you receive the summons. SURPLUS: As the homeowner you have the right to petition the court for any excess money (i.e, If your home is sold for more than you owe) that results from a foreclosure sale of your home. In most cases you do not need an attorney to do this. The Chancery Division Advise Desk, Room 1303 of the Richard J. Daley Center, will assist you in preparing all the necessary papers at no charge. The Advice Desk is open Monday through Friday, 9:00 A.M. To 4:00 P.M. 5. 6. WORKOUT OPTIONS: The mortgage company does not want to foreclose on your home if there is any way to avoid it. Call your mortgage company Oewen Loan Servicing, LLC or its attorneys to find out the alternatives to foreclosure To discuss your options, to obtain help in finding a lawyer or HUD-certified housing counselor, or to get assistance in filing an Appearance and an Answer, contact the Chancery Division Advise Desk, Room 1303 of the Richard J. Daley Center, will assist you in preparing all the necessary papers at no charge. The Advice Desk is open Monday through Friday, 9:00 A.M. To 4:00 P.:\1. This service is free. You may also be eligible for a free lawyer through the Access to Justice Program. Ask the Judge for a referral to an Access to Justice lawyer. 7. PAYOFF AMOUNT: You have the right to obtain a written statement of the amount necessary to pay off your 1oan. Your mortgage company (identified above) must provide you this statement with~ 10 business days of receiving your request, provided that your request is in writing and includes your name, the address of the property, and the mortgage account or loan number. Your first payoff statement will be free. 8. GET ADVICE: This information is not exhaustive and does not replace the advice of a professional. You may have other options. Get professional advice from a lawyer or HUD-certified housing counselor about your rights and options to avoid foreclosure.
LA\VYER: If you do not have a lawyer, you may contact CARPLS Legal Aid Hotline at (312) 738-9200 for legal advice and referrals or visit the Advice Desk (see above). Or you may call the Chicago Volunteer Legal Services at (312) 332· 1624 or the Legal Assistance Foundation of Chicago at (312) 341·1070. 9.

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10. MEDIATION: negotiating with your mediation. Mediation between you and the mortgage if possible. procedure and lawyers

If you have steady income or significant equity in your home and need help in lender, ask the judge to refer your case to the Center for Conflict Resolution for is a process in which a neutral party facilitates communication and negotiation mortgage holder to assist you in reaching a voluntary agreement regarding the Mediation requires the appearance of both parties. This is an out-of-court are not required. However) you have the right to have your lawyer present.

11. PROCEED WITH CAUTION: You may be contacted by people offering to help you avoid foreclosure. Before entering into any transaction with persons offering to help you, please contact a lawyer, governmentofficial, or housing counselor for advice.

(ReY. 1102/09) CCCB 0100 B

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INFORMACION IMPORTANTE PARA PROPIETARIOS DE CASA EN PROCESO DE EJECUCION HIPOTECARIA
COMO SALVAR SU CAS A - .POR FAVOR LEA - NO IGNORE
1. POSESION: Los ocupantes legitimos en Ia vivienda tienen el derecho de vivir en la casa hasta que el juez emita por escrito una Orden de Posesion judicial. En la mayoria de los casos, si continua viviendo en su hogar tendra por 10 menos nueve (9) meses antes que tenga que mudarse. 2. TITULARIDAD: U sted sigue como propietario de su casa hasta que el juez emita una decision contraria. 3. RESTABLECIMIENTO: Como el propietario usted tiene el derecho de traer al corriente su hipoteca dentro de 90 dias despues de que usted recibe el Emplazamiento. 4. REDENCION DE LA PROPIEDAD: Como el propietario usted tiene el derecho de vender su casa, refinanciar, 0 pagar el total del prestamo durante el periodo de redencion, que son por 10 menos siete (7) meses despuesde recibir el Emplazamiento. 5. EXCESO DE BIENES: Como el propietario usted tiene el derecho de presentar una solicitud ante el tribunal para el exceso de dinero resultado de la venta de ejecucion de su casa. En la mayoria de los casos usted no necesita un abogado para hacer esto. La Mesa de Consejo de la Division de Chancery, localizada en el cuarto 1303 del Centro Richard J. Daley, le asistira en preparar los documentos necesarios sin algun costo. El horario de La Mesa de Consejo es de lunes a viemes de 9:00 A.M. a 4:00 P.M. OPCIONES DE NEGOCIACION: El prestamista hipotecario no quiere ejecutar sobre su casa si hay cualquier modo de evitarlo. Llame a su prestamista hipotecario Oewen Loan Servicing, LLC 0 sus abogados para averiguar las alternativas a la ejecucion hipotecaria, Para discutir otras opciones, obtener ayuda en buscar a un abogado 0 un consejero certificado por el Departamento de Vivienda y Desarrollo Urbano (HtTD en Ingles) 0 para obtener asistencia en entablar su Comparecencia en Juicio 0 Contestacion a la Demanda, acuda a la Mesa de Consejo de la Division de Chancery, cuarto1303 del Centro Daley, lunes a viernes de 9:00 A.M. a 4:00 P,M. Este servicio es gratuito. Usted tambien puede ser elegible para que le otorguen un abogado gratuito mediante el Programa Acceso a Justicia (Access to Justice Program). Pidale al juez que 10 refiera a un abogado del Programa.
6.

7. CANTIDAD DEL SALDO: Usted tiene el derecho de obtener una declaraci6n pOT escrita de la cantidad necessaria para pagar su prestamo. Su prestamista hipotecario (identificado arriba) debe proporcionarle esta declaracion dentro de l O dias de haber recibido su peticion, con tal de que su peticion sea por escrito e inc1uye su nombre, 1a direccion de la propiedad y la cuenta de hipoteca 0 el nfunero de prestamo, Su primera declaracion del saldo sera gratis. 8. OBTENGA ASESORIA: Esta informacion no es exhaustiva y no sustituye el consejo de un profesional, Usted puede tener otras opciones. Obtenga asesoria profesional de un abogado 0 de un consej ere de vivienda certificado por HUD sobre sus derechos y opciones para evitar la ejecucion hipotecaria, 9. ABOGADO: Si usted no tiene un abogado, puede acudir a la linea gratuita de CARPLS al

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Document

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(312) 738-9200 para accesoria legal y referencias 0 visite la Mesa de Consejo (vease arriba). 0 puede comunicarse can "Chicago Volunteer Legal Services" al (312) 332-1624 0 al "Legal Assistance Foundation of Chicago al (312) 341-1070.
II

10. MEDIACION: Si tiene ingresos constantes 0 suficiente equidad en su casa y necesita ayuda negociando can su prestamista hipotecario, pidale al juez que refiera su caso a1 Centro para la Resolucion de Conflicto para mediacion, La mediaci6n es un proceso en el eual una persona objetiva facilita el dialogo y la negociacion entre usted y su prestamista hipotecario para asistirle, si es posible, en alcanzar un acuerdo voluntario can respecto a su hipoteca La mediacion requiere la participacion de ambas partes. Esto es un procedimiento fuera del tribunal y no requiere abogado. Sin embargo, usted tiene el derecho de tener presente a su abogado. 11. PROCEDA CON PRECAUCION: Usted puede ser contactado por personas ofreciendole Antes de entrar en cualquier transacci6n con personas con un abogado, representante gubemamental 0 consejero

ayuda para evitar la ejecuci6n hipotecaria.
ofreciendole ayuda, por favor comuniquese de vivienda para accesoria. (Rev. If 02/09) CCCH 0100 C

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1

This lustnunelIl Prepared By:

11 .!
( ~c;
..d

11'

NOVAS TAR MORTGAGE
25520 COMMERCENTRE

INC
DR

LAKE FORESTr
92630

CA

( LAURIE MCPHILLIPS lap I 2006194666
Will County R.Qo~de~

i ~After

P~9. 1 of 18

'~WOVASTAR MORTGAGE, INC.
"25520 COMMERCENTRE DR LAKE FOREST,

Recording Retum To:

l
-'--

Rec;Qr'dLng

RAD Date 11/22/2006
FE:es:

Tille 09:34:46
38.75 10.00

IL Rental

Hsng Suppo,.t Prog:

-,.--

Loan Number: 06-C49561
MIN: 100080190060032935

L..\-~\,"" b

-

[Space Abo\H! This "'Ine for RecDrdng Datil] ---

MORTGAGE

Commercial Land TJtie Insurance Co. 134 N. LaSaUe, Suite 2000

DEFtNJTIONS

Chicago, 1(60602

Words used in multiple sections of tbl~ docu.menl are dermed below and nrbet words are defmed in Sections 3, 11, 13. 18. Z(l- and 2:1. CertaiD rules regarding the usage Dr words used in this d.ocument are also provided in Section 16.

CA) "Security Imtroment" means. !his document. which is dated SEPTEMBER 'With all Riders to tbk doc:nment.. (8) hBorrower" is HOWARD J. BODZIANOWSKI AND KRISTEN;:r: BODZIANOWSKI1 HUSBAND AND WIFE. AS TENANTS BY THE
Eorrower
(C)

25,

2006

, together

ENTIRETY

11/ K!3

is th~ mortgagor under IbIs Securily Instnunenl. ~MERS" is Mortgage Electronic R~sIraUon Systems, Inc. MERS is a separate corporation that ts acting iOlcly as a nominee for Lender and Lender's successors and assigns.. MERS Is the mortgagee under tItk Security Imtnuumt. MERS is orguUzed and existing under the bw3: Dr Delaware, and has an address and telephone number of P.O. BDX 2026. Flint. Ml "8501-202.6. td. (88S} 619-MERS. (0) "Lenderw is NOVASTAR MORTGAGE, INC.

Lender is a CORPORATION and existing under the laws of VIRGINIA Lender's address is: 25520 CDMMERCENTRE 92630

organized DR, LAKE FOREST, CALIFORNIA

(E) "Note" means the promissory note sJgned by BDZl'Ower nd dated a SEPTEMBER 25, 2006 The Note states that Borrower owes Ltnde.r ONE HUNDRED SIXTY- FIVE THOUSAND AND o 0 /1 00 Dollars(U .S. $ 165 , 000 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Paymeuts and to pay !he deht in full Dot later than OCTOBER 1, 2036 (F) "Property" means the property that is described below under the heading ~Trnnsfet of Rights in the Property."

Form 3014 1101

rWNOIS--Singk!

Filmify--fantJie

Mae/F~

Mac unrFOJlM

Page 1 of '04

INSTRUMENT

- MERS

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"

2

(G) "Loan" means die debt evidenced by the Note. plm iaterest. any prepayment clJargeund the Note. and aU sums due under this Sec:urlty Instrtunmt, plus interest. (H) "Riders" means all Riders to dili; Security Instrument that are executed by Bonower. to be executed by Borrower (check box as appliCable] :

late charges due under

The foDOWing Riders are

IX] AdjuslBble Rate Rider Balloon RIder 1-4 Family Rider Comtominfum R11Ier

o o o

o P1mned Unit DeveJopmenl o BtweekIy Payznem RJder o Secnud Home Rider

Rider

o Other(5) I~UYI

(D ..Applkabll! Law" means aU cootroning applicable federai. state and local statutes. regulations. onlinances and a4m1nistn.tilll! rules and orders (that have dJe effect of law) as well as aU applkabJe fiDaJ. DOD-appealable judicial opinioJls. tJ) "Co.mmwdty ASsodation Dnts, Fees, and Assessments" means aU dues, fees. messmeots and other charges that are im:pnsed 00 BotrOWer or the Property by 1'1 condomloium association. homeo'Wflel"s 1SSSOCi:allim OJ similar OrganizatiOR. (K) "FJedroDic Funds Transfer" .means any trmsfer of funds.. other than iii tnnsactloll origimted by check, draft. or slmiIar paper iDstrnmeol:. which is initialed dtroug1J an electronic terminal. telephmllc instrumenl. computer, or magnetic tape so IS 10 order. instruct. or authorize a fuJandailnstitutiiJn to debit or credit an attOWlt. Such term includes. but is: not limited to. pointe-of.sale transfers. automated teller wachi.oe. trimsact.l.OE, tnosfers initiated by telephone. wire transfers. and 2Utomaled clearingholW! transfers. (1.) "Esc:row Items" means those Uems that are described in StctimJ 3. (M) "Misc:eBaDeaus Proaeds" means any compeasatioo. settlement, award elf damages. or proceeds paid by any tbird. party (other shan insurance proceeds paid under the coverages desc:ribed in Section 5) for: (i) damage 10, or destruction of. the Property; (ii) rondeomatioa or other taking of all or any part of the Property: (im conveyance in Ueu of coodemnation: or (Iv} misrepre5elltatiDos of, or omissions as to. the value and/or condition of the Property. (N) "Mortgage lnsarauceM means insurance protecting Lender ~ainsl the nonpayment of. or default on. the Loan, (0) ",Periodk Payment" means the ttguiarly sc~ iIIIlO\Ull: due for (i) principal and mterest UJJder the Note, plus (0) auy amounts. under Section 3 of this Secruity lMtrumenl. (P) "RESPA" means the Real Bstate Settlement Preeedures Act (IZ U.S.C. §2GOI et seq.) and: its implementing regwatioo, Regulation X (24 C.F.R. Part 3500), as they migllt be amended from time In 1ime. or any additional or successor legislation or regulation that governs the same subject matter, As used in this Security Io:stmment. ftRESPA" refers to an requ1remenlS and restrictlons that are Imposed m regard to a • federally related mortgage loan" even tfthe 1.Gan does. not qualify as a 1Ifeder.dly related mortg.age loaa" und.er RESPA. (Q) "Successur in Interest orBorrower~ means any party that bas taken title to eire Property. whether Of not that par1y bas assamed Borrower's obUgations under the Note and/or this Security Instrument,

TRANSFER OF RtGtfTS IN THE PROPERTY
This Security 1n:strummt ~ 10 Lender! (I) the repayrnmt of the Loan. and all renewals. extms.lMS and modifications oflbe Note; ami (H) the perl'onnmrenfBonuwu's rowmnts ami agreanems Ulllh!t'1his Security lnsIrumm! and tile Note. For tim; purpose. &now8' does ben!by mortgage. gr.mt and o:mvey to MERS (solely. nominee for Lendfr and Lemer's SI1CaSSOI'S 8Pd amgm) and to Ihe saeeessors and as$lgns of MERS the following desatbed property located in the COUNTY of WILL fI'we of Recotdictg Jw;UdIdi<mj (Name tJf ~ JlIFIsdlctioo}

IlliNOIS-Singfe Family-Fannie MaelFreddie Mat UNIFORM INSTRUMENT - MERS Fmm 3014 170T Pclge Z of 14

Kristen

Bodzianowski

1-815-741-9504

p.15

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21/11

Page 3 of

19r4QQ§)a:Wl666_ 3

SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. (STATE: ILLINOIS, COUNTY; WILL)

wbkh CllJl'eatly has the address of

3314 CONCORD COURT
[SfRetI

LOCKPORT
rClJy:l

• lllinois

60 441
{Zip Code]

TOGETHER WI'Ili all the JtnprovemeDts now or hereafter erected DB the properly. and aU easements. appurtenances. and fixtures now or hereafter a part of the property. All replaceDIeJIIs and addiUIJIlS sIWJ also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instluuu!nt as the "Property. Borrower WlderslaDds and agrees that MERS holds mily 1ega11ide to the interests granted by Borrower in this Security Imtnuneot. but. ~ necessary to oomply With law or custom. MERS (as oominee for Leader and Lender's successors and assigns) has Q1e right: to exercise uy or all of those interests. including, but DOl: IJmited to. dte right 10 foreclose and seU the Property; and 10 lake ally actIllIlrequired of Lender including. but not Umiled to. releastng and QU'lCeUng thls Security Instrument. BORROWER CoVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to lIlDI'tgage. grant and convey the Propmy and tbat the Property is unenaunbered. except for encumbrances of record. BOlTO'Werwarrants and wiD defend geoeraIly the title (0 the Property ag;Unst aU claims and demands. subjeCl :0 any encumbrances nf record. 'IlIJS SECURITY INSTRUMENT tomblnes wrlform covenants for national use and DOIHlDifcmn covenants with Ifmiled variations by jurisdiction to constitute a unifOllll :sewrlty instnnnent covering real property.
R

Borrower and Lender covenant ami agree as follows: 1. Payment ofPrlncipa1. Iaterest, Escrow Items, Prepaymeut Charges. and Late Charges. Borrower shall pay wbea. due the priocipal of. iIJld Interest on, are debt evidenced by the Note and any prepayment charges and late c:barges due tIDder the Note. Bonuwer shall also pay funds for Escrow Items pursuant ID Semon 3. Payments due under the Note and this Security Instrument shaD be made in u.s. ctUTenCY. However. if any check or other 1nstruruent received by Lender as payment under ~ Note Dr this Security Imtnunent Is returned to Lender unpaid. Lender may require thai any or all subseqaent pilyments due under the Note and this Security lDslrument be made in ODearmoreofthefollowiDg forms, as.seleded by Lelllier. {a) cash; (b) money order; (e} certlfledcheck. bankdJ.eck. treasurer's check or cashier's check, provided any SIIChmeek is drawn uj'lOU an imtitution wbnse deposlts are.i.ns:ured by a feder-a1 agency, imtrumentalil)'. or entity: or (d) Electronic Ftmds Transfer. Paymenu are deemed received by Lender when received at the locatioo designated in 1he Note oor at $IIeb other location as may be designated by Lender in accordance wUh Ibe notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insut'flciemt to bring the Loan current. Leader may acc::ept;my paymeul or partial payment insufficient to bring the Loan rurrent. wilhollt waiver of any rights bereunder or prejudice t~ Us rights to refuse such paymeDt or partial paymeJJts in the future. but Lender is not obligated to apply such payments at the time such payments are accepted. If each .Periodic Payment is applied as of its scheduled du.e date. then Lender need not pay iDIerest on nnappUed funds. Lender may bold such unapplied funds until Borrower makes payment to bring the Loan C\Umlt. Y Borrower "Il.oes not do SO within a reasonable period. of time, Lender shall eitber apply sud! funds. or return them 10 Borrower. If not applied eadler, such funds will" be applied to the outstanding principal balance UDderthe Note immediately prior to foredosure. No offset or claim

UNIFORM COVENANTS.

IWNOIS-·Single Family-fmnill Fonn 30141101

M:lelFreddie Mac UNIFORM INSTRUMENT" PiotJl' :3 of 14

MERS

Kristen

Bodzianowski

1-815-741-9504

F'. 16

Case: 1:11-cv-01950 Document#: 1-3 Filed: 03/21/11

Page4of1~Q4666_

4

[}tis Security instrument. Z. AppIitatloD of Payments or Pnltetds. Excepl2S otherwise d~bed in this Section 2, all payments accepted and appUed by Lender sbaU be appUed. In the foUowmg order 0( prioriIy: (a) interest due IIJIdu the Note:; (b) prindpal clue WldeJ the Note; (c) amotmIs due tmder Section 3. Such payments shaD be applied 10 each Periodic Payment In the order in which it became doe. Any mnaioiDg amounts slJaD be applied rust to late dmges. seoond to my 0Iher amounts due UIIder this. Securlly Insttument, and then to reduce dIe prlDdpal balaDte' of the Note. If Lender receives a payDleJlt from Borrower for a delinquent Periodic Payment which includes a sufficient amounI. to pay any late dtarge due, me payment may be applied. to au: delinquent payment aad I.be.late charge. If more tbaa ODe Periodic Payment Is outstaudiDg. Lender may apply any payment reootved from Borrower to the repayment of tbe Periodit Payments If, and to the extent that, each paymeqt can be paid l.o: full. To the e:xteat that my excess exists after the paymem is lpplied to the fuIJ payment of one Of DUIfe Paiodic Payments, such excess may be applied to any late charges due. Volunwy prepayments sball be applied fl1'Sl to any prepayment chargo and tImt as 4escribed in the Note. Any appUtatlon of payments, bJsurance proceeds, Dr Mist1:llaneoas Proceeds to priIIdpal due under Ihe Note sbaIllIOt extmd or postpone the due date, or chaDge tire amount. of tb~ Pmodic Paymems. 3. Fundi for Escrow Items. Borrower shall pay tD Lender on !be day Perlodlc Payments are due UDder the Note~ until the Note is paid in full. a SWD (the "Funds-) 10 provide for payment of mtOnnl.$ dUI! for: (Il) taxes and ~ and other items wbic:b ~ attain priorily over this Security lnstrumenl as a lien or encumbrance on the Proptr1y; (b) leasehold payments or ground rents 00 the Property, if any; (e} premlwns for any and all insunmce required by Lender under Sect.ioo 5; and. (d) Mongage insurance premiums, if any, or;my smns payable by Borrower to Lender iII lieu of the payIOen£ of Mortgage Insurance premiums in accordance with the provlsioos of Section 10. These items an: aDed "Escrow Items." .Ai origination or at any tinte during me term of the Loan, Lender may require that CommODity Assodatlon Dues, Fees. and Assessments, ifany. be escrowed by Borrower, and such dues, feesaod ~o.Is sbaU be an Esa'UW lleJll. Borrower shall promptly flllllish to Lender all DoUce5 of amOllDt.5to be paid under this Section, Borrower sbaJI pay Lender tbe Funds for Escrow lleDl'l unless Lender walves Borrower's obligallon to pay the FUIlds for any or aD Escrow Items. Lender may waive Burrower's obHgatiOil to pay to Lender Funds fDr uy or aD &crow Items at any time. Any such waiver may unly be ill writing. In Ihe event of sueb waiver, Borrower shall pay directJy, when IlO.d where payable. the amounts due for any Escrow Items fDr whicb payment of FWI1Ishas heeD waived by Lender and, if Lender requiffli. shall furnish to Lender receipts evtdenciDg slim payment wilhin such time period as Lender may reqaire. Borrower's obligation tll make such paymeDIS and to provide receipts shaH for an pmposes be deemed to be a coveoaot and agreement contained in this Security Instrument, as the phrase "tovenant aDd agreement ~ is used ill Section 9. If Borrower is obligat~ to pay Escrow Items diredly, pmsuant to a waiver, and Bomnver fails to pay the amount due for an Escrow Item, Lende£ may exercise its rights under Section 9 and pay such amount and Borrower sbaJl men be obligated under Secti.oJl 9 to reJtay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon seeh revocation. Borrowersball pay to Lender all Funds. aOO in sueb amounts, that are then required uncrer!his Section 3. Lender may, at :my lime. coRed and bald FWlds ill. an amount {a) sufficient to permit Lender to apply the Fwuis at the tlJne spedfled under RESPA. and (b) rwI to exceed. the maximum amoust a lender cao require Wider RESP A. Lender shall estimate the amollDt of Funds due on the basis of current data and reasonable esUmates of expenditures of future Esauw Items or otherwise in accordance wid! AppUcabJe Law. The Funds sball be held In an institution whose deposits are msured hy a federal agency, instrumentality, or entity (Including Lender, if Lender Is an institution whose deposits are 50 ins1.Rd) or in any FederaJ Home Loan Balik. Lender shall apply die FlUIds to pay the Escrow Items DO later than the time 5peCified under RESPA. Lender sh.all not charge Borrower fw holding and applying the Funds, annuaUy analyzing !he escrow aeceant, or verifying the Escrow Items. unless Leeder pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement Is made in writing or Applicable Law requires I.nterest to be paid on die Funds. Lender:sbaU Dot be required to pay Borrower :my interest or earnings 00 the Funds. Borrower and Lender IJlIJ: agree

tinder the Note .awl this Security Instrument or performing the CU\'aIiUIls ami agreements secured by

which Boriuwer might have now or

in the

fulUre against Lender slutl relieve Borrower from making payments due

JWNOIS-·SInqIe Family...fannie M<lelFreddl~ Mac UNIFORM IIIlSTRUMENT - MERS Farm 3014 1Jtlt Page 4 or 14

Kristen

Bodzianowski

1-815-741-9504

F"

17

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21J11

Page 5 of

1~~Q~a:~666_

5

in writlDg. howe\'er. that interest shall be paid on the Funds. LeDder shall give to Borrower, withoot charge. an aJIIlIBI acaIUllting of the Funds as required by RESP A. If cbere is a suplus of Funds beJd in esauw, as defined under RESPA, l.end1:r shall acoount to Borrowe.' for lhe excessfimds in 2uxordancewilh RESPA. If !here is it shortage of Funds held in escrow. as defined UDder RESPA, Lender shall ooUfy Borrower as required by RESPA. and Borrower shall pay to Lender Ihe amount nec:essuy to make up the: short2ge in acoon:I.ante with RESP A, but in DO more than 12 monthly payments. If there Is a deficiency of FUDds hel1I ill escrow. as ilefined WIder RESPA. Lender sba11 notify BDIrOWer lIS required by RFSPA, and Borrower skall pay to Lender tile amount necessal)' to make lIP the deficiency in accf:ll'dance with RESP A, but in no more than 12 DlODlhIy payments. UjJon paymem w fuD of all stlm$ secured by this Seturtty Imtrumeut, Lendershall promptly nIuud to Bottowcr any Funds Ileld by LM&r. t. CIwp; Urns. Borrower shall pay all taxes, assessments, charges. fiDes, ud ImpDSitlom attribtdable to !he Propr:rty which can .attain priority over this Security hJstrument. 1easeboJd JI2YlDenl$. or growulll!J11s on the Propeny, If an_y. and Commwrlly Assodatioo Does., Fees. and Assessments, if any. To the fXlent that these items are Escrow Items, Borrower shall pay tlu:m in the manner provided ill Secti.ou 3, Borrower :sball promplly discharge any lien which has prtorlty over this Secnrlty fnMmleut unless Borrower: (a) agrees in writiag to the payment of fue DbUgatioo secured by the lien in a manner acceptable 10 Leader. but only so long as Borrower is performing such agreement; (b) contests: Ihe lien in good faith by, or defends agailJst eDlorccment of the lien in. legal proceedings which in Leod.er's opinion operate to pn!W1It the enforcement of the lien wbUe those proceedings are pending, but ooly until such proceedings are coocluded: or (c) sewres from the bolder of the lien an agreement satisfactory tt> Lender subDTdinating the lien to this Seairity instrument. If Leader detenniJ!es that any pm of the Property is subject to a lien which caD attain priority over this Security Instrument. Leader may give BOlroWer a notice identifying the lien. Within 10 days of1he date on which that notice is given. BIJ£l'OWeJ' shall satisfY tire lien or take Doe or more of !he actions set forth above in litis Section 4. Lender may require Borrower to pay a one-time charge for a real. estate tax verification and/or reporting service used by l...erJder In connection with this Loan. S. Property lD.sararu:e. Burrower shall keep !he impmvements now existing or hereafter erected an Ih.e Property lnsured against lass by fire. ~ k1cilJded within the term "exte.oded coverage. and any other hazanIs :including. but not limited to, earthquakes illtd floods, for wbich Lender reqnlres Insnraoce. This insurance shaD be maiolained in the an.u:mnts (lncludlng deductible levels) and for the periods that Lender requires. What Lender requires pursuant to tbe preceding sentenCeS can change during the tfml of the Loan. The insurance carrier providing the iBsuranceshall be cbOSl:nby Borrowersubjed In Lender'srigbt to disapprove Borrower'scheiee. which right shall oot be exercised unreasonably. Lender may require Borrower to pay, in amnection with this Loan. either: (a) a onetime c:barge for HomI zone determination. catiflc:ation ud lracking services: or (b) a OIIe-time charge for flood zone determimtioo and certification servi= and SIl.bsequent charges each time remappiDgs or simllar changes occur Which reasonably might affect such determination Dr cerlificatioD. Bonower sltalI also be responsible for the payment of any fees imposed by !he Federal Emergency Maoagement AgentjI in connection with fie review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of die £overages described above, lender may obtain insuram:t! coverage. at Lender's option aDd Borrower's expense. Lender is under no obligation to purchase any partlcula:r Iype or amount of coverage. l'heI'efore, such coverage shall cover Lender, but might or might Dot protect Borrower. Borrower's equity itt the Property, or the contents of the Property, agalnsr any risk, lJazard Dr liability and might provide greater or lesser ClJ\'el'age than was previously in effect. Borrower acknowledges that the cost of the insuranC!l! c:overage so obl.atued might significantly exreed the cost of insurance: tlut Borrower- could have obtaintd. AIJy amounts disbursed by Leader under this Section 5 shall become additional debt of Borrower secured by this Security lDstrument. These amomrts shall bear interest al lite Nolf tate &om lite date of disbllJ'Sement and sball be payabJc. wilb such interest, upon DOUce from Lender to Borrower requesting payment AU Insurance poUcies reqlIired by Lender and renewals of such paUties shan he snbject 10 Lender's right to disapprove such polides. shall include a standard mDrtgage clause. and shall name Lender as mortgagee and/or as an additional loss payee. Lemler shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sball promptly give to Lender aD receipts of paid premiums and renewal notices. If Borrower obtains any
M

tLlINOtS-Sln.gle Femlly--fannle Mo&ell'reddle Mac UNifORM INSTRUMENT - MERS FDm'l 3014 1'01 Page 5 of 14

Kristen

Bodzianowski

1-815-741-9504

p.18

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21/11

Page 6 of

~~QJJ~~~666_ 6

fmm of in5uruce coverage. DOt othtrwtse reqqtred by ladet. for II.Iwae kI, Dr destruction of, the Property, such paIk:y shall I:Ddad1! I stmdlrd mortgage clause and shaD name Leader as mortp~ UIdIor as III AddidOllll loss payee. In !he event of.loss, Bomnver sJIIll give pro1IIpl notice to ihr: Ja5uraDc:e carrier aad I..eader. Leader may DDke )ROC of loss if IItJI made poompdy by Booower. Uok!ss Leader and. Borrower- otherMse 181ft ill wrlliIIg. aay iDsuraDc:e p-oceeds. 'Wbetber or DOt the underIyIas insuraace was required by I...eodtr, shaD be appHed to raWr'Iliflll Dr rqJIir of the Property. Kille resklrlfioB or repair is ec:onomk:aIy reaalhle _l...ea.d!:I"s IeCUIity is DOt lesIeaed. DuriDg such repair iDd lD10raUua perioc1. I..eader shall have the light to hold suc::h Iasunace proceeds tmtil Leoder has bad III opportutty Co iosped sw:h Property to eDSIft die W'lIrk bas beet C01IIJIleteI to Leod.er's satM'arfina. provided dill sac:Ia tJupedloa ... be IIIIderrakaI promptly. LescIer may d1sbune proceeds: fur Ibe repah$ aod rt.Stontion In a smgle payment or In .I. seriet of pmgress pa:ymeats as the work Is c:omple1ed. Unless. aa ~ is IIJIde in writiDg Dl' Applk:ahIr Law mpahs J.oterest to be paid 00 sod imw;mce proceeds. Lender sbaIl not be Rq1IIred to PlY Borrower any fidem( or earniDgs 00 such pn;aceeds. Fee!t for publk adjtmers. IH' Oller ddni puties. retIined by Borrower sbaD. DOt be paid out of the iDsaraJIt:e JlrlXeetIs and shall be the _ ob1ig:atkm ofBormwer. If Ihe restora1IoD or repair is ~. ~ feasible or Ll!IIder's secarity woWd be leIseDed. the insuruce proc:ted.s shaD buppliel! to the AIDS secared by dIIs Seturtty IasUtuaeflt, whether 01' not the:a _. wttb the excess, Ihay. paid to Bonower. Sach bI:suruIce proceeds :daID be :applied ill the otder provided for in SectIoa: Z. If Borrower abandoDs the Property, Lender may file. pegmiate and settle ;my available Imurance claim aDd relm:d mattas. IT 8oI:ruwu docs DOt RSpODd wit&m 3D days to allOtia: from Leuder dIat the ~ arrier has ofI'e-ed ID settle a claim. Ilea Lender may aegotiate and settle cbe claim. The 3O-day period will begin when the ootke is gtveo. In either event, or if r..e.de:r acquhu the Property under Scct10n 22 or 01herwise, 80t'r0we!-1Iereby usigus 81 I.mder (a) Borrower's rigJU; to any imm'atH:e proceeds In aD amotmlJDt to ~ the IDlOIIIds UIIpIid WJder the Note or ~ Sl:QIIity lustrument, ami (b) any olbe- of BorTOWeI"' s rigbl$ (oilier dian the right to IlIIJ refimd: of ID'JaI'Iled pmnimns paid by Borrower) ander aD ia::sarace poHdes coveriog dle Property. insofar • :such rigbls iII'C applli:abIe m the c:ownge of the Propa1y. LeDder may use the iDsuraDce ~ either to repair or restore the Property or to pay amGm\t$ unpaid under the Note or this SecurIty lDsttument, whether or not then due. O. Oa:upaacy. 8oaower'sbaIJ ocwpy. est.1bJisb. and use the Property as ~'s ptDdpal resldtllCt: WidUn 60 days after the uecution of thls Security Instmme.nt and shall coodme to occupy tbt: Property asBorrower's priIIdpal resIdem:e fot 21: leut one year afrer (be dale of occupanty. uoless leDcIer Dd:terwtse agrees.ill writIog, which c:61ISeDI shall not be unreasouably wilhheld, or UDJess exteoualiog drctunstaru:es exist which are beyond. Borrower's aIIICrOl. 7. Pnsenatiaa. Main........". and Protecti"" gf the Property; 1mpec:tioDs, Bonowt!r sbalI. DOt destroy, damage or bDpair the 1'Toperty. aBow the Property to deteriome or COIlI.Id waste DO 1Lt Property. Whether or DOl Bomrwer is residiDg ill the Property, Borrower slWI maintaiD the Property in order to preveDt the Propercy from deteriomfiog or ~ In value dae to lis cooditioo. Unless it is determined pursuant to Seaicm 5 t8at repair or restoration Js nor emaomkaIIy feHible. Borrower shaD promptly repair Ihe Property If Ibmaged to avoid funher deteriotalion or damage. If iosuraoce or amdenmatIon pror:eed$arepaid in oounecfum with damage to. or the taking of, 1be Property, .Borxower shall be responsible for repairing or restoriag: the Property ooly if Leader .bas released proceedB ro.- sucb ~ Lmder may dfsbm'se proceeds for the repairs and FeSIoration ID a single payment or in a series of progress ~I$ as the work is comp1eted. If the insurance or condemnation proceeds are not sufficient to repair or restore the Pn:rperty. Bonoweds DDt relieved of Borrower's obligatioD fodbe cwapletioo ofsudl repalc or restDnlioo. I..eOOer or its agent maylDikeJ'NSOlJlble enlriesupon and inspettlons of the Property. Ifit has reasonabIecaw;e. Leader may Im:ped the iDtedor of the Jmproveme!II3 011 tile Property. Lender sball ~ Borrower ooab at the dme of or prior to such an lnler:Ior Inspecdoa spectfytDg suclt reasooable awse. I. Barrawer's Lean AppUcatlon. Borrower shaIl be ill defmdt if,during the l..DUI applicatioJl pr-ocess. BorrowerM any persoosorentllies adiDg.at lhedirecthm ofBor:rowerorwilb Barrower' s knawiedge or consent gave materially false, misleading. at Inaccurate JnfonnatJon or statt8lellts to Lender (or failed to provide l.ender wIJh J]IIferi;d Warmatlon) iA COfUM!CtiolI with the Loan. Material represeDtatiom: Include. but are l10t llmlted to. represeat.atloo$ concerning Borrower's occupancy of the Property as Borrower's ptiDdpaI resldePce.

ILUNOIS-Single Family--Fennte MaeJFreddIe MIIc UNIFORM INSTRUMENT· Form 301-4 1 f01 Page 6 or 101

MERS

Kristen

Bodzianowski

1-815-741-9504

F'. 19

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21/11

Page 7 of

~~9JJ.~~1666_ 7

9. Pntedioa of Leoder'.laterat ht the Property ud RiIbts Uader tIdI Searity l:nsInmJeat. (r (a) Borrower fails to perform the CO¥I:MDlS and agreeoteDIS amtaiDed in dds Setmity Jmrrumeot, (b) there is a legal proceediIrg that -.lght slgalftcurtly affect I.ader'sinlemt iD tk Property ml/orrlghtsmlller1l!is Security Iastrummt (such • a proceediDg ill butkruptty. probaIe. for condenmatfOll 01' fotf~, for enfCll'tl:lllelll: of a lien width l1li)' attain prlMiIy OYer' this Security Imtnoneat or Ie) dora! laws or ~), or (c) BIJI!'OWft has abambaed. tIH! Property. rheR may do mil pay for wIAkver is re.asc.abIe 0[ lJIPnIIIIiate to p!UCed Lmder's iJIterest In the Property ... rlpts under dds Securt1y 1DsInuDaIt, iadudiag pmlediog lOdIor assessing the value of'the Property, aJJd ser:miog aodIor repairing die Propmy, Lmder's adlom caD lDdwIe. but are nut Umiled to: (a) pa,mg MY sums sec:uaI by a leu wIddt ... pdorhy uver 1Ids Security Iustmmeat; (b) IppeariDg In CIIUI't; mil (c;) payiDg reasoaable altc:lrDeys' rem: lD protec1 tt5 inteft5tm the Propaty lDdIor rights UDIler this Seauiry Instrument. iadudJng ils secured posltiorI m a bakrupIcy pnx:eedIag. Securi:og the Property iDclades, but is DOt limited: to, eII1erbtg die Propeny to make repairs. chase locl!s. repba or board II.p doors md Windows, draia water from, pipes. eUmmate bulldiag 1lf odIa" tude vioIatioDs or dugerous. COJIdidoos,ad Iaave dues turned. on or off. Although UMer may take acdao aoc!er dais Sec:tioa. g, Lender does DIIt haw: to do so aod 15 IIOt Wlder any duty orolJligatkm to do so. It is agreed !hat I.euda' 1o:cars 110 UabWfy fur not tIIdDg any lit all adioDs aorhori2:ed. under this Sedion 9. Arry amoaDts disbuned by Leadu under this SecUCIIl 91haD beco!ne addWoml debt of Bonvwa- KCUrtd by tb.b Sccurlty lnsuumI!at. These IJIKIW)!S sbd bear IDtaest at dle Note rate from the date of dJsbw:semeut ami shall be payabI~. with SlId! interest. upoo DOtic:t: &om I..eader to Borrower requatiDg paymtmt. If thh SeaIrfty IDstruDH!Dt Is OIl a le2sehold, Borrower shall rompty wtrh aU the pnMsioas of the lease. BormwerslWl aot surreoda' the leasehold estate aDd iotereas herein lXIDVeyed or tmniDate orcaocel the BomMer shall DOt, 'WIthout the express written oonsenl Leadl::l'. a1ter or amend the ground lease. If Borrov.u aap.dres ke ride to the Property. 1he IeaseboId and Ibe fee tWe shall DOt merge lIDless Lend.et agrees the merger iD writioS. 10.Martpp Im:uru.cr.. lfLeoder"RfII*ed Mortgage bswallceasa modWOII ofmakiug the Loan, BonowasIlaD. pay die pmnlwns reqWred to mai:ntaiD the Mortgage lDsu.ram:e In effect. If, for any rtISOII.. the Mol1gIge IDsurance coveragerequlrell by Lenderc:eases to be :naIIable from the IDOl1gIge lDsurer that previously provided. such tasuruce :aJld ~ was reqaired to make separateiy deslgnatetl payments toward the pt'l!llliudlS for Mortgage losurance; Borrower shall pay tbe prernitt.m! teflUb'ed to obtaln coverage substantially equ!valenJ. 10 the Mortgage IDsurance previoady ill effect. at a cost substantially equiva1eru: to the cost to Borrower oC !he Mon§Ige InsunDce prevloasly in effect. from aD altematf! mortgage insurer selected by Lender. If suhsI:antiaIIy eqaivalent MOl1gage lmuraDceawengeis DOlavailable, Borrowenball CODtinae to pay to LtDder the amomU of1hesepantelydeslptcd. paymeaas that were due when rht iDsurmce <:O\TeIage teasI!:d to be in effect" I..ende:r will atUpl. use and n:tUn these pa.ymml5 as a DOO-refuwIa;ble Joss reserve in lieu of Mortgage lmuanc:e. Sud! loss re.1eIVe shall be 1lOIi-rd1mdable, aotwitbsalDdiDg d:Je fad Ihat ~ LoaB Js ul1imatdy paid in full. aud Lender sIialImrt be mpaln:d. to pay Borrowrs- a.uy JDferest or eamJngs 00 sucb lou ~_ Lender caD DO longer require IO$Sreserve paymenlS if Mortgage WurHlCe coverage {in die a:momt aod fDl' the period that Under~) prD\'ioed by an 1n5urer selected by Lea1der apia becomes Ilvailab1e. is obtained. anti. Lender requinz sepamely desigoaled payments toward !be premiums for Mmtgap Insurance. It Leader required Mortgage IDsurance as a CODIIltion of makiag abe Loan aDd Bonvwer was. required to make separately ~ payments low.m:i tbe premiUmS for Mor1gIge 1osurance, Bt1I1lJWer :shaJJ pay the pmnilDllS requimJ to maintain Monpge Insurm:e iD effect. or to provide a DOJl-re11uKlable loss reRrVe, un1il 1..ctiIer' 5 reqtdJeutail for Mortpge JnsuraDce eJlds in acmrcbnce with any wrlne. .agtec:ml!llt betwfm Barrower and Lender providing for such termmatloo or until te:tminatloo is required by Applicable Law. Nothing in ttals Section 10 affecb; Borrower's obligation to pay interest at the rate provided ill the Note. Mortgage IDs:oraoce reimburses I..ender (or any entity that purcb:ises the Note} for (ft1ais losses Jt may iDcur If Borrower does not f'I!'PaY the Loan 3l ~. Borrower Is DOt a party to the Modgage Iosmm:e. Mortgage Iasums cvaJuale rbeir tom.l risk 011 an such imuraDf:e ill fum: from time to 1bBe. and may euter Into agreaorms with other parties 1bat share or modify their risk, or reduce losses. These agreemenls are CII terms and wuditiom that m satisfactwy lQ tile mortgage instEru aDd the other party (or parties) ., ehese agreemems. lbe:se ~ may requJre the mortgage Jmucer to make payments uslDg any seuree of ~ lhat £be mortgage insI!rer may have avaIlable (wbk:h may iBclude fuads obtamed from Mortgage Imurance prtmimm).

L'"

or

.0

.,.,...lease.

lLUNOlS-SinQIe

Fonn 30,4 ,JiJl

FIImiIy-F .... ie MaeJrroddle Mac UNIFORM INSTRUMENT· Page 7 of 14

MEIlS

Kristen

Bodzianowski

1-815-741-9504

p.20

Case: 1:11-cv-01950 Document#: 1-3 Filed: 03/21/11

Page 8 of

1~~g~#:~666_

8

As a result of these agreements. Lender, any purchaser of the Note. another insurer. any reiDsurer, any other entity, or arty afllliate ofaoy of the foregoing, may receive (diredly or indirKlly) amounts that derive from (ormight be tbaracterized as) a portion of Bmmwer' s payments far Mortgage 1osuraDce, in exchange for sharing or modifying the mortpge it1SUll!l"s risk. or ~ losses. Ifsuch agreementprovides.1bm U1 affiliate of Lender takes a share of the insurer's riSk In exchange for a shan: of tbe prendums paid to the insurer. die arnmgement Is often termed Rcaplive- reinsurance." Further: (a) Iury sucb agreem.ents wDl I10t affect the amllllllts that Borrower bois qrced to pay for Mortgage Insunuaa:, or aoy other tmDs of tile LoaD. Such agreemai5 wUl not iDcrease the amount Borrower wID owe Mortgage Insurance. and tmy DOt. eotItle BolTll'Wa' W aay nfuud. (b) Arty such agreements wID. net affect the dJhts Borrawa- bas - If any - with respect to 1he MOI1Jar ~ under thr Hom.eownus Protection Act IIf 1998 or any other Jaw. These rights may IDc:lude the right w .receiYe eertaill rUsdosures, tl) re4lueR and obtaiD {2D~tioD of the Mortgage InsuraDce. til have the Mortgage IDsuraa1:e tenDinab:d autaDtatlcally, and/or torecdvea relimd.of aay Mortgase Ins:u:nmce premiums that were aeamed at thl! dmt ofsucb canaIladan 1Il' termlaatlon. 11. Assipment sf MisOOIaBeow I'roceeds; ForreIture. All MIsccl1aneous Proceeds are bereby assigoed to and shall be paid to Lender. lftbe Property is damaged, such Miscellaneous Proceeds shall be applied to restDntlon or repair of the Property. if the restoration or repair is econcm:Iical1y feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold sucb MisceUaneous Proceeds untn Lender bas had au opportuity to inspect such Property to eosmt the work has been compieted 1t:l Leader's satisfaction. provided that suclllmpedlOB shall be underIakec promptly. Lender maypayfor the repairs ami restoration ill a siogle disbursement or in a series of progress paymeDIS as the work. is completed. Unless an agreemeut is made in wrlti.llg or Applicable . Law requireS mterest to be paid on such MisrelIaneousProceed.s. Lender shall not be required 10 Jl3:Y Borrower my interest or e8mlngs on such Miscellaneous Proceeds. H the restoration or repair is not ecoaomicaUy fe3S11Jle IN: Leader's security would be lessened, the Miscellaneous Proceeds shaD be applied to the sums secured by this. Seaarity Ioslrumen1. whether or not then clue. with the excess, if any. paid to Borrower-. Suclt Misce~ Proceeds sball be applied in the order provided for in Section 2. m the event of a total taking, dt!structiOll, or loss 10 value of the Property. the Miscellaneous Proceeds shall be applied to the sums secured by this Security lnsIrument. whether er not then due, with ~ eJCCeS'i:, any. paid to if

ror

wm

Borrower.
b the even! of a partial taking. destruction, or loss in value of the Property in which the f2ir market value of the Property immediately before the partial taking, destruction, or Joss in vallie Is equal to or greater than the amount of the sums secured by this Security Instrument immediarely before the partial talting. destruction. or loss iII value, unless Borrower and Lender otherwise agree in writing. the sums secured by thls Security Instrument shall be reduced by the.amount of the Miscellaneous Pmeeeds multiplied. by the following fradion: (a) the total amount of the sums secured immediately before the partial taking, destructiDII, or loss In value divided by (b) the fair market value of the Property immediatdy before the partial taking. destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking. desIIUction. or toss In value of the. Property in which 1lre fair nurket va1ue of the Property immediately bef~ the partial tJking. destruction, or loss in value is less thm Ilre amount of the sums SI!CI1I't!1i iImrlediateJy before die partial taking. destruction. or loss in value, unless Borrower and Lender othenvi.se agree m writi08. the Miscellaneous Proceeds. shall be applied to the sums secured by this Seauily Instrument whether or not th~ sums are then due. If the Property ts abandoned by Borrower, Dr if. after notice by Lender to Borrower that the Opposing Party (as defined ill the next sentence) offers to make an award to settle a claim for damages, Borrower raUs to respond to Lender wlthin 30 days after me date the notice is given. Lender is authorized to Cflnect and apply the Miscellaneous Proceeds eUher 10 reslonti!JJl Dr repair of the Property or to the SUDl!i: secured by this Security Instrument. whether or not 1heo due. "Opposing Party" means the third party that owes Borrower Miscellaneous. Proceeds or the party Borrower shaU be in default if any acllon or proceeding. whether dvil or criminal, is begll1l that. in Lender's judgment. could result in forfeiture of the Property or other material impalnnent of under's interest in the Property or righ1s under this Security Instrument. Borrewer can cure such a def;ru]l and, if acceleration has. occurred. reinstate

agaiost "WbrunBorrower has a

right

of action

in

regard to Miscellaneous

Proceeds.

Il1JNOIS··SIn!1a Family-Fannie Maelfreddie Form 3014 17m

Mac UNIFORM INSTRUMENT· MERS Page I! of 14

OOCM9fI1c ~

www.~._

80(1.6.019-,36.2

Kristen

Bodzianowski
w

1-815-741-9504

p.21

Case: 1:11-cv-01950 Document #: 1 3 Filed: 03/21/11 Page 9 of

1~~Q§la:~666 _ 9

as pmvirled in Section 19. by ca1Wng 1he action or proceedlDg to be dismissed wHb a ruling that. In Lender's judgment. precludes forfeiture of !he Property or other material bnpairmeot of Lender's inlerr:st in tbe Property or rights UDder this Security Instrument. The proceeds of any award or dabn for damages dIal are artributahle to the im:painnenl"DfLender's interest m the Property are bm:by assigned IDd sbalI be paid to Lender. AU Miscellaneous Proceeds that are not appUed 10 remratioo or repair of the Property shall b! appUed in the order provided. for in Section 2. 12. Borrower NDt Released; Forbea:raJtte By Leader Not a Waiver. Extension of the time £01" paynteoJ or modification of amortization of the sums secured by this Security InsIrument granted by Lender to Borrower or allY Successor In Interest of Borrower shan Dot operate 10 release the liabUity uflkimJwer 01" any SUCCIlSSQI'S in IDteresI. of Borrower. Lender shaIIo.ot be required to commence proceedings against ;my Successor in Interest ofBorrowe:or to refuse extend lime for payment or olherwb;e modify amortization of the sums secured by this Security Iastrumeot by reason of any demand made by the urigiDll Borrower or any Successors iII interest of Bon-owet". AIry forbearance by Lender In exerdsing uy right or remedy &nclllding. without limitallon. Lender's aa:eplilnce of payments from third persons, eatiuf$ or Seccessers bt btteresI of Borrower or bt anwmIts less than the amount then due, sbaD aol: be a waiver of or preclulle the exerdse of any right or remedy. 13. Joint and Seftral UabDity; Co-sigm!rs; Soa:essun and o'\Jsips Bound. Borrower covtflllJ1lS and agrees tbat BomJwer'sobliga1ioos an4liabillty shall bejoiDtand several. However. any Bon-owerwboco-signs this Security Instrument but dues Dol execute the Note (a ~co-sigIler"): (a) is co--signiDg this Security Instrumeot cmJy to mortgage, granl aDd convey the co-sigIler's interest in the Proptrty under the terms of this Secur:tzy Instrument; (b) is ROt personally Obliga1td 10 pay the sums secured by this Security Instrument:~ and (e) agrees 1hat Lender and aD)' other Borrower can agree tl) extend, mOOify. forbear or make any acrom.mOOMiom 'oAlith regard to the terms of this Seeurity Instrument or !he NOIe without the ro-sigoer's consent. Subject to the provisions of Section 18, any Successor ill Interest of Borrower who assumes Borrower's ohligatiUIIS under this. Security lnstnuneat in writing, and is approved by Lender, shall obtain all Df B~' s rights and beoefits under this Seau-i!y btsIrumeo{, Borrower shan not be released. from Borrower'lii obligations and liability under Ods Security lDstrument ualess Lender agrees to such release in writing. The covenants and agreements of this Security Imtrumenl shaD bind (except as provldetlln Section ZO) and benef1t tbe successors and assigns of Lender. U_ Loan Charges. Lender may dtarge Borrower fees for services perfonoed In: coaneceon with Borrower's defaulL, for lire purpose of protecting Lender's interest in the Property and rights under this Seanity Insirumeat, includln.g. but not limited 10, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of e;qn-ess authority iII lids Security Instrument to charge a specific fee to Borrower shaD not be cnastrued as a prohibiliofl on the charging of such fee. Lender may not charge fees that are expressly prolrlhited by this Securlty Instrument or by Applitable Law. Jf the Loan is subject to a law which sets maximum loan charges. and that law Is finally btterpreted :00 that the interest or other loan charges colleaed or to be collected in connection with the Loan exceed the permitted limits. then: (a) any socb loan charge shall be reduced by the amount necessary to reduce the clwge tD the permitted limit; aod. (b) any sums already collected from Borrower which exceeded permitted ltmit'i will be refunded to Borrower. Lender may choose 10 make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the redoction will be treated as a partial prepayment witboot any prepayment charge (whether or not a prepayment charge is provided for under tile Note). Borrower's acceptance of any such refund made by dU'ect pzyment to Borrower will conslitute a waiver of any right of action Borrower might

'0

have arising out of such overcharge.

15, Notia!s. All notices given by Borrower or Lender in eonnectton with this Settlrlty Instrument must be In writing. Any BOtke 10 Borrower in connection with thls Security lesuument shall be deemed to have beea given to Borrower when mailed by first class mail or when actually delivered tD Borrower's notice address If sent by other means. Notl:ce to aay one Borrower shall constitute DOtice to all Borrowers unless Applicah1e Law expressly requires otherwise. Tbe notice address shaD be the Property Address unless Borrower has designated. a substitute notice ad.dn:ss by notice to Lender, Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower'scbaoge of address. dJen BorrowershaU only report a change ()faddress throngh that specified procedure. There may be ooly one designated netiee address lUlder this Security 1nstnunent at any one time. Any notice to Lender shaU be given by delivering it or by mailing it by first class manta Lender's

form 301" 1101

ILLINOIS-Single Femily·.f9l1l1ie MaefFreddie Mae UNIFORM INSTRUMENT· MERS Paoga9 of 14

Kristen

Bodzianowski

1-815-741-9504

p.22

Case: 1:11-cv~01950 Document #: 1-3 Filed: 03/21/11

Page 10 ~~~1~~~66_

10

address stated berein uruess Lender- bas deslgnated anodw address by DOUcetn Borrower. Any Dotice in coanectiml with this Security Insttmoent shall Dot be deemed to ba"e been given to Lender wJ.tiI adually rec:eJved by Lendtt. If any notice required by this Semri1y 1nsttument is also required under Applicable Law, the Applicable Law requirt<mem will satisfy the correspoodiug requirement UDder this Security Instrument. 18. GovmdDg La1\'; Severahi1ity; Ralo of CIJllstt1u:tiJm. This Secudly Instnuneot sball be governed by federaJ law anti the law of dJe juJisdiction in wWch the Properly is located. AD rights and obUgatlcms rootained in this Security Inst:rumenI. are subject to any requiremems and limitatiom of Applicable Law. AppUcable Law might explicitly OJ' Implicitly aDow the parIles to agree by CODtract or it might be silent, but such &lienee sbalJ. nat be COlIStrued as a prohIbItioo agaiDst agreement by contract. .In the event that any provision or clause of this Security Instrument ortbe Note conflicts with AppUcable Law. such conflict shall not affect other provisions QfthJs Security llIstrumeftt or the Note which can be given eff1ld without the coofliding provision. As ued in lhis Sec:uriIy 1ostrumeDf: (a) words of the masculine gesdu sbaIl mean and include corresponding neuter words 0& words of the femiDiDe gender: (b) words in the singular sbaU mean and Include the plural. and vice VI!rS3~ aM (e) Ute word "may" giVes sole disaetion wilhout BY obHs;auOll to Uke any action. 17. Bonuwcr's Copy. Borrower sball be giVeJl one cupy ef the Note ami of tbb: Security Instrumelll.. 18. TrallSCer of the Propt:rty or a Beneficial Interat in BotJ'OWer. As used hi this Sectirm 18. "lnterrstln She Property" meaJlS auy legal or bendidal interest ill !be PrDperty> including. but DDt limited to, those beneficial iateresIs lriDSferreti In a bond for deed, contract for deed, imtallmem sales oonttact or escrow agreement. Ike intent of which is !he transfer of tide by Borrower at a :future date to a purcbaser. If all or any part of the Property or any Interest in the Ptcperty is soJd or transferred (or if Borrower I:. not a oalural person IUId a beneficial interest In Borrower is sold or traDsferred) without Lender's prior written consent, leDder may require immediate payment in full of an sums secured by tIili; Security Instrument. However. 1his optioo shan DO! be exercised by Lender If such exercise is prohibiled by Applicable Law. If Leader exercises Ibis option. Lender sball give Borrower notice of a.c:celeration. The notice shall provide a period of not less than 30 days rrom the date the notice Is given in accordance with Section 15 within which Borrower must pay ail SIDJ1S secured by this Security Inslnlment H 80Jr0wer fah to pay these SUIlIS prior Co the explradon· of this period, Lender may invoke any remedies permitted by this Security Instrument without further nOlice or demand OR Borrower. 19. BornnRr'S Right to Reinstate After Aoceleratioa. If Borrower meets certain conditions, Borrower shall have tbe right to have enforcement of 1hls SecurUy iostrumenl discontinued at any time prior to the earnest of: (a) five days before sale of the Property punuant to Section ZZ of !his Security Iastmmeat: (b) such Dther period as Applicable Law might specify for tbe term1nation of Borrower's. rightto reiDstate: or (c) ently of ajudgment enforcing Chis Security Instrument. 'Chose condiilims are that BDrT01I'er~ <a) pays Lender all SWD5 which then would be due under this Security Insttwneo.t and the Note as if no acceleralioDhad occurred; (b) cures any default of any other cnvtaanfS or agreements; (e) pays aU expenses i.naJm!d in enforcing this Serurity Instrument, ioclwling, but not limited to. reasonable attorneys' fees. property inspection and valuatiDll fees, and other fees incurred for the purpose of prot~g Lender's interest in Ibe Property and rights under this Semrlty Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Properly and rights under this Security I:nstrument, and Borrower's obligation to pay the S1IIDS secured by this Security Instrument. shall continue unchanged ueless as otherwise provided under AppUcable Law. Lender may require milt BoITOWer pay such reillstatement sums and expenses in ODe or more of the fDllowmg forms, as se1ecred by Lender: (a) cask (b) money order; (c) certified check, bank check, treasurer's check or cashier's clteck. provided any such check i$ dr.twu upon an Institution whose deposits are lnsm'ed by a federal ageacy, instrumentality or entity; or (d) Electronic Funds Transfer, Upon rebJstllement by Borrower, thIS SecurIty Instrument and obUgatiDIIs secured hereby 5hall remain fully effective as if no acceleration had ocCW1'1!d. However. this rigbtto ~e shall DOt apply in the tase of acceleratlon undl!l'Section 18, ZOo Sale of Note; Change afLoan Senirer; Natic:e of Grievance. The Note or a partial interest in the Note (together with lhis Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might restdt in a change in ibe entity (!mown as the "Loan Servicer") that collects Periodic Payments due WIder the Note ad this Security lustrwnent and performs other mortgage loan servicing ob1igaliODS under 1he Note. tills Security lnstnnnent, and Applicable Law. There also might he one or more changes of the Loan ServiCei' unrelated to a sale of tile Note. If there isachaoge of the Loan Servker, Burrowerwill be given written ootice oflhedlllngewhicb will

ILLINOIS-Sir\QIe family-Funnie Form 3014 ,701

MIIIelFreddte Mac UNifORM INSTRUMENT· MERS Pa~ 10 Dr 14

DocMa,jc ~

www.~.com

8(Jt').64IM3M!

Kristen

Bodzianowski

1-815-741-9504

p.23

Case: 1:11-cv-01950 Document#: 1-3 Filed: 03/21111 Page 11

~fi}~11JQ4~66_

11

new Loaa Servieer, !he address to which payments .sb.ould be madeand any other iDfmmation RESPA requiRs in ronoection widI a uotice of lnDsfer of servicing. If Ibe Note Is sold and thereafter the Loan Is serviced by a Lean 5en'k:er other than the }llU'dIaser of the Note. &he mortgage loan senictng obligations to Bmruwer will remain wiIh the Loan ServiceI' or be ttansferred. to a successor Loan Servicer and are not assumed by the Note purchaser WIless olherwise provided by the Note purchaser. NeUher Borrower DDt Lender may COIDJDenC'e. join, or be joined to any judJdal actioo (as either an bJdividuai Utigaal or the member o( I class) that arises from the odler party's. actions pI1nUa1lt to tim Security Instmment or tbat alleges that the oihet party has breached uy provision of. or any duty owed by reason of, dJis Security Instrumeut, tmUI 5Ilch BarrIJW'el' Of Lender has notified the other party (with such nolke gi\lell in compliance with tire reqUimneats of Sectioa 15) of gch alleged breach and afforded the other party hereto a reasonable period after the giving of &IlCb notice to take corrective action. If Applicable Law provides a time period whlclJ must elapse before certain action an be taken, Chat time period will be deemed to be reasonable £or purposes of dais paragraph. The notke of acceleration and opportunity 10 cure given to Borrower pursuant to Section 22 and the notice of acceleration given tn Borrower pursruwt to Section 18 sban be deemed to satisfy the notice aod opportUJllty to take conective action p1'OYWOQS of this Section 20, ZI. Ha2atdous Sl.lbstaDces. As used in this Sc:diun 21: (3) "HazardOQ!l Substances" are Ihose subslaJK:e5 defined. as toxic or Jw.ardoussubs1ances, pollutants. or wastes by Eaviromnental Law and the followiDg substances: gasoline. kerosene, other flammable Dr 1.O.Xl.c petroleum products. taxle pestidrlts and herbicides. volaUle sol\'eots, materials containing asbeslDs or formaldebyde, and radioaCll.ve materials: (b) IrEuvironmeotal Law" means federal laws and IawsoflhejuriscUctlon wIIerethe Property Is located that re1ateto hea1lh. safety oreDVironmental protectioll.; (c) MEnviromnI:lltal Cle.mup" includes any response action, remedial action. or mnoval action, as defined in EnvironmePtal Law; and (d) an "EmrironmemaJ Condlticm" means a conditioo 11Iatcan cause, contribute to, or otherwise trigger an Enviromnental Cleanup, Borrower shall not cause or permit lhe presence. use. disposal, storage, or release of any Hazardous SlibstB.llO!S, or lhreaten to release any HaDrdous Substances, on or in the Property, Borrower shall not do, DOr allow anyone else to do, anything affecting the Property (ill) that. Is in violation of any Environmental Law. (b) whIch creates an Enviroomenta1 Condition. or (c) which, cloe to the presence, use, or release of ill Hazardous Substalll:e, creates a cDndltJon that adversely affects the value of liIe PrDperty. The preceding two sentences shall POt apply to the presence, use, or storage 00 the Property of small quantities of Hazardous Substances that are generally n:rognized to be appropriate 10 nonnai residential uses and to maintenance of the Property (includiJIg. but not limited to, hazardous substances ill consumer products), . Borrower shall promptly give Lender written notice of (a) ~y investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Properly and any Hazardous Substance or EnvlronmeotalLaw of which Borrower bas actual knowJedge. (b) any Euvironmeotal Conditiou, iRduding but not limited to, any spilling. leaking, .discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by !he preseace, use or release of a Hazardous Substana wbicb adverse1y affects the value of the Property. If SOlTOweI' learns. or is notifred by any govemme:otal or regulaIory authority. or any private party, that any removal or other remediation of any Hazardous Substance affecting the Proper1y 15 necessary. Borrower sban prnmptJy take aU necessary remedial actions in acco.rdance with EmiromnentaJ Law. Nothing bemu shall create any obligafiDn on Lender for aD Environmental CleanllP·
stale the name and address of the

COVENANTS. Borrower IUId Leader farther covenant and agree as follows: ZZ. Acceleradoa; Remedi6. Lender shaH give noHce to Bort'OWe£ prior to acceleration following Borrower'shreadtofomycovmantol'agree:mentindlisSecoritylDstrmnent{butnatpriortoacce1et'atiOftWlder SectUm 18 unless: AppIkable Law provides 1Jthenrise). The nutlce wall spedIy: (a) the default: (b) the action required to eve tire default; (c) a date, not IeB t1wl 38 days from the date the bDtiu is given to Borrower. by wIUch the default mnst be cured: and (d) that raBun to cure the default on or before the datuped&d in the ooCice may malt ill acceleration of the sums secured by this Security Instnuneut, foreclosure by judicial ~ and sale or the Property. The ootia shall further Worm Burrower of the right to relastate after atteieratioo and right to anert in the foreclosure proceeding the aon~ of a default or other defeD:se of Borrower to aa:elB"a1ion and foredl:lSUre. If the default is not cured on or before the date SJN!dfial

NON-UNIFORM

em

any

Form 3014 1fOl

IlUNOtS-Single Frmlly..fannie

MaeJFreCl:lle Mac UNIfORM INSTRUMENT· MERS
Page 11 of 14

DodJIlf(IIr: ~ BiJO.6-f9-r3l12 www.dacmll9fr;.wm

Kristen

Bodzianowski

1-815-741-9504

p.24

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21/11

Page 12 ~fi}~1~Q4~66_

12

ID the ooli~. Leader at its option may mpdre immediate payment in of aD sums secured by this Seauity lastrammtwitb8llt further demand and may I'oreclose this Security Instrummt by Judidal proeeediQg. Lender shall be eotltkd tooollett an ~ lncarrecI in purialng the rem:ed1es prnided in tbi5 Sedion ZZ. indudiDg. but nut limited I.a:•. nasooab1e attorlJep' tea and msts of 1ide ~. Zl. Rm:ase. Upon payment of aD5UlJIS secared by this Security Insttument. Lender sba11 release tills Security lnsIrument. Bomnt'et Sal] pay any recordadoa costs. Leuder may dlarge Bo:rruwer a fee for releasing this Securtty lBsirumeat, but only If the fee is paid to a third party fot' services rendered and the cllatging of the fee Is pe:rmilled under Applkable Law. 24.. Waiver Df'Hoou::stead. In accotd.ancll with llUnois law. the BDII'OWer hereby releases and waives all rights WJder iIIId by virtue of lite. fllinolo; Mme..~ead exemplkm laws. 25. Plactmmt ef Collateral Protection lnsurante. Unless Borrower provides Lender With evidence of the lnsutance CO\Ierage required by Borrower's agreement With Lender, Lender may purchase iDsurance at Borrower's expense to protect Leader' s iatertsts iIiI Borrower's CDIlateral. This iusurance may. but need IIOt, pmted Borrower's b!erests. The aJ\'1!J1I8C' thatLender pun:hases may nat pay ;my claim that Borrower makes or any claim ilial is made agafmt Borrower in connection wltb die collateral. Borrowu may lata- caned any iDsurcmce purcbaied by Lmder, but oIDy after providing Lender with evidence that BomJwer has obtaiDed iDsurance as requited by Borrower's and Leader's agreement. If Lender purd1ases iosurance for the collateral. Borrower will be responsible for the costs of that iumraIlre. including interest and any other charges Lender may impose 10 coonectlolI: with fbe pbcemen[ of me IllSUnUlte, will the effective date of the canceUallon or expiration of the insurance. The costs of die: iDsaranc::e may be added to Boaower's total DutstmdiDg baIaBce 01' Dbligation. The costs of the Insurance may be more than the cost of insurance Botrowtt may be able 10 oblairl on its own.

run

IWNOIS-Stngle Family-Fannie MaeJFreddle Mac UNIFORM INSTRUMENT· MERS Form 3014 1f01 Page 12 Dr 14

Kristen

Bodzianowski

1-815-741-9504

p.25

Case: 1:11-cv-01950 Document#: 1-3 Filed: 03/21/11

Page 13 ~Cj}~1~~§)66_

13

BY SIGNlNG BELOW, Borrower accepts. and agrees to tbe terms InsIrument ami in any Ride!' executed by &rrower and recorded with it.

and covenams contained in this Seauity

------------------------~-&mm~ ~

------------------~~) -Borrewer
----------------~(~)
-Berrewer

__________

___=_

(Seal)

-Berrower

Witness:

ILUNDIS-Single FamBy-fannle Form 3014 1101

Mae/Freddie

Mac UNIFORM JHSllWMENT - MERS Page 13 or 14

Kristen

Bodzianowski

1-815-741-9504

p.26

Case: 1 :11-cv-01950

Document #: 1-3 Filed: 03/21/11 Page 14 ~rp~I~Q4i)66_

14

assumption and that the risk of a bread of any covmant or agreement in this: Secwity InsIrumenl is aecepcable to Lender. To the extmt permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption, Lender also may requJJ'e die transferee ttl sign an assumption agreement that is: acceptalHe to Leader and that obligates the ~eree to keep all the promises and agreements made iD the Note and in this Securily Imtrummt. Borrower will contiDUeto be obligated uoder the Note am! this Security wtrameat un1ess Lender re~ BDf'I'OWetin writing. If Lender ela!rc5I!S die option. to. require immediate payment in full, Ltrlder shall gtve Borrower notice of a.a:eleratioo, The notice sbaIl provide a period of not less tIIan 30 days from the date the ootlce is given III acaJrdaoce with SectlOll 15 wtthiD which Borrower must pay aD SWIlS seeered by this SecuriI;y Instrum.eol. IfBorrowec fails 10 pay these mons prior to !he expiration of IhIs pmad, Leod.er may invoke any remedI.es permitted by this Se<:wity instrwnent without further mrtkt or demand on Borrower,

BY SIGNING BELOW. BDI'IVWtr accepts and agrees to the tenus
Adjustable Rate Rider.

and I:OVE!DiIDIs contained in this

---------------------~~) -Borrower

-------------------~)
-Borrower

--------------------~~ -Borrower

--~----------------~)
-Borrower

MULTISTATE ADJUSTABLE RATE RlDER-UBeR SIX-MON"rn INDEX (AS PUBUSHED IN THE WALL STREET JOURNA!J Single Ftlrnltv-FI!nIliIl Mae MOD1FIED INSTRUMENT form 3138 '1/01 Page :'I of 3

Kristen

Bodzianowski

1-815-741-9504

p.27

Case: 1:11-cv-01950 Document #: 1-3 Filed: 03/21/11

Page 15

~ff)Q§1i>~~66 _ 15

State of minois

Countyof by

WILL

The foregomgCn was aclmow1edged before methis KRISTEN • BODZIANOWSKI, HOWARD J.

K6

NOTARY PUBUC. STATE OF II.llH01S
lIlY COMMISSION EXPIRES e·a4-2009 Title

ALEJANDRO DIAZ

OFFlC1AL SEAl.

{Sea))

Serial Number. if my

ILlINOts-Sinqje Famlly-FaMie Form30141J01

MaelFreadle M.!c UNIFORM INSTRUMENT. MERS
Page14 of 14

Kristen Case: 1:11-cv-01950

Bodzianowski

1-815-741-9504

p.28

Document#:

1-4 Filed: 03121/11 Page 1 of 5 PagelD #:26

MIN: 100080190060032935

Loan Number: 06-C49561

(UBOR Six"Month Index (As Published In The W"WStreet JDUmB~

ADJUSTABLE

RATE NOTE

Caps)

nus

NOTE CONTAINS PROVlSIONS AU..OWlNG FOR CHANGES IN MY INTERBST

RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATB I
MUST PAY.

SEPTEMBER 25, 2006
IIlUoJ 3314 1. CONCORD COURT,

LAKE

FOREST [cu,J ILLINOIS

CALIFORNIA
60441

fSt*I

IPnfaIy AIldRssI

LOCKPORT,

BORROWER'S PROMISE TO PAY

A VIRGINIA CORPORATION

In rebml lor I Jo.n that I line receIveil. I promise 10 PlY U.s. $165,000 • 00 (Ibis IDIOIIIU aBed "Priadpal"}, pIas ilItm!:st.. In the order of~. Lender is NOVASTAR MORTGAGE, INC.,

a

I wllllIIIke.n ~ under this N* In rae fmmofCllib. cbad or IIIOIIeY otd.er. [ 1IlICltrsIand !hat Leader may uansft!r ibis NDle. Lender or auyone who lakes !his Nolt by biInsCf1" and who is estided to m:etve paymeI1$ UDder dW: Nou: Is aUed. the "Now Holder ••

2.,.

INTEREST lnmst Will be cbatged
Ill!!: or

011 unpaid priru:iJIII

Idayearly Note.

8,950

%. Tbelntrnst

tmtIJ tile iwlJ amocmt ofPrlndpaI 1m beea paid. me 1will payouycbange ina~wilh

I

wID ~
SedIon4

intetest of this

any default dt:saIbed In Sect10n 7(B) Df this Note.
3.

The 1DIe=trate rcquIm:I by thl$ Section ~ and: Sedion 4 of !his Note Is Ihe ral~ I will pay both before and

.na-

PAYMENTS (A) Time IUMlPlate GfPaymmts I will pay priDclpaI d lRIere5lby makin;g a payment net)' monOt. I will make my mlJDlhly paymtnlS on lhe 1st o..y Df eadilllOlllh ~ Ill! NOVEMBER 1 • 2 0 0 6 . J will make tItese ~15 evay DlIIJlIh untU I bav~ paid aD of rhe prioc!pallllld Iatttest and my 0CbN ~ dex:rlbe.I Vel.,.... that I may OW!: WIder !his Nole. Each lIIDUIhIy JlIIYIIIeiIt wID be applied.31: of IIl; scheduled due dale and will be applied 10 interest before PrilIdpal. If, on OCTOBER I, 2036 , I sliJl owe atIIDII1I1s lIDII!!r this Note. I wiJI pay dtose ammwts ill full 00 that date. wbich is called the "MlIWiIy Oak ." IwIU make my moatbIypaymmts at P.O. BOX 808911, KANSAS CITY, MISSOORI 6418 ~--B 911 II[ at a tlLtftrent Jlbte Lf mrlllred by tbe Note HDlder. (B) Am«aII: or My IaJti.al MomIdy I'aymeIIts Each of my lnilUl DllIlIlhly paymelll5 will be io the anwuot of U.S. $ I, 321.70 . This .1I1DIlIUIl DIlly th:qt!. (C) MoII1'bJy Paymm Cbauges ChIngcs in my DlOIllh1y payment will reflect cb;tnges in !be 1IIIpUd. priadpal of my loan and in lIIe inte=1 rate !h2t J most pay. n., Note Holder will delermiae my new inlerest rate ;md ~ cbaogetl amoont of my mODlbly payment in acronIaDce willi Section 4 of ibis NOle.

~EI"II:mm:o

-.~

Farm sszo 1101
.OtHJ .. '... .JIJZ

Kristen

Bodzianowski

1-815-741-8504

p.28

Case: 1:11-cv-01950 Document #: 1-4 Filed: 03/21111 Page 2 of 5 PagelD #:27
4. INTEREST RATE AND MONTHL V PAYMENT CHANGES (A) Cbaaze DatC$ The !ntetest rate I w.m pay may cbaIIJge on the 1st day or OC'l'OBER, ZOOS 1IIl1ha1 d3y eva'}' 6th II'IOI:ih 1bmafu:r. EadI dale 01\ wbkh my ~ raie c:ould cbaDge

• and
is WJed a "Change

Date,"
(BJ TIlt bIda: 'BegJJudag with !be fusI ClwJp baI~ my Imrest I'IIII! will hi! ~ l1li an Iodt!x. 1"be "llIdex" Is !he a~ !If hlterhaak offered nileS for :Ib: mtIDIb U.S. dol1ar.dtDwiDratt;d deposits iIIlhe I..oDdoo III!I.Iht ("LlBOR"). IS publlsht.d In De Wall Stret:tJaamsJ. TIH: mosI recent hmfWire IIYIIDlbleuaftbe flntbuJtm:ss day ofthc lIIOIIIh Immedlarely ~ (he mooth in which the Cbauge Dare ~ Is cdJed. the ·CDm!IIt Inda.· If tile hIIIex Is DO lottgu" naiIable. the Note HoI.du will choose I new Ioda IhAlIs baud lIpIlIII c:omparUk> 1afunoaIIou. The Nott &Ide[" wUI gille me IIDIk:e of this cbo1u. (C) Caka1adDa .rCItailp5 Before each CIImge Date, Iho: NDIe HaldB will CIlcuIaI!' my new iIlterest nil! by addI!Ig FIVE AND 2 0 0 /1 0 0 0 pen;eotage poIIIII: ( 5 , 2 D0 %) to 1be Cama! Index. The Nllle Haldl:rwilllbtR fIlIIIld the restdtofthis addItioII. to lhe aeamt 0lIt-e1gbtb of ODe pettmtage poJnt (Q.125'J6). SRbJed 10 the IimIU SIlted SectIoo 4(0) below, tlIfs roanded _1 will be _litem:! Dte nmIl the IJ61 CUngt

~.

m

my

(D) l..imIts CIII IDl:fftSt. Rate CbIntfeS The Intere!i ute 1 i!III zqulmd 10 plY at tbe lint Chaogt Date wID IlIlt be pUr thaD 11 • 950 % Ill" Jestball B. 950 'No. 'I"I>ermft er, myilm!restf3lewm_ beiatn!lSl!d ... deaasedOlianysiogle Cbaoge Dmeby_tbanONE AND 000/1000 pen:emagepokll.(s) ( 1.000 %} from die Bluf ilIteR:St I II31Ie beI!II paying fonbe ~ 6 JOODdaa, My iIItm:st rate wOlDe\"!!" ~1:1" be than 15 • 9 S 0 %. My intetesl rate wtJl De\'e: be less thlll 8 .950 . %.

u.paId priDc:ipal thJ1 J am ~1eiI Ix> owe .1 !he CIJ.aore Dille iP full 011 tile hUIvrily Dite ;U my III!W iDll!mIt Db! ill sabstaDIiaBy equal payments. TIle feI1Ilt ofthls a1co1atiOD wID be 1be DeW UIIOWIt of lilY monthly PIlYIDeIII..

The NlIIll Holder wDIlberJ

dettrmIoe!be IIDOIIIIl oftbe IIIOIIIIaIy

paymeat

tIw woaId be sufDdI!!III.lD

n!JIRYtile

Effed:i've Date of CIwIjjes My _ ~ Ale will berome e!TectM: on each Chnge Dale. I will pay the IIIDmmt of my Ilf!IPl JDtlIIIhly paymtmI. begIImiIlg on !be first mCllllbly paymenl dale afmr the Clmtgt- o..te tmdI the UJIIl\UII of my 1IlCIII!bIy paymea!
IE)

(I') Notia:.t CIwJses The Note Holde: will deIi\'I!!I" or ma1IlD me a aollce of;my challges In my 1:nIeresI13Ie _ Ibe amouoI. of my lIIIJIlIbIypaymem~~the~ dale ofaoydlauge. Tbeuotirewlll include iJlformationr!!CpliRt! by law 10 be gi_ to me and 3lso 1he tide _. lekpbone DUJDber of.a peISOII who wm aIIS1IIItr aoy question 1may have regardiDg
thenollce. .

cIJmses

again.

BORROWER'S RIGHT TO PREPAY !be rigbllD mae paymemIS of Prindpalat iIII)' lime before Iht:y are due. A JI3YIIWI1 of Prlndpal ooIy Is kDowD u a "Prepayment.~ WImII mKe a l'npIymeul, 1 will tell1lle Note Holder in wriIlag Ihi1t I am tIoing w, I may nol deslgtlllte a paymenl as a ~ymmt If I ~ not made all the :moothIy paymeD1S due IlIIder: Ibis Nme. 1may make a fuJ l'h!paymem or partial PrepaymeDts wiIhoul paying lIlY Pnpaymenl charge. The NoteHole wID 1ISe Illy I'rtpayJlleoB to reduce !he amount of PrinclpaIIhaI I OWl: under tbls NOle, HDYIl:Vel". the NoI2 floJdt< may apply my PrtpaYlllelll to the acaued aad uapald IDaest IlIl lhe Ptepaym~ aJIlO1IQt before applyIDs my PRpayment to redure Ihr: PriDc.lpal amOODl or IhJs Note. If I make it partial Prepaymeut. there will be DO cba!Iges In 1be due dates of my mllllliily payman lIlI1e5:i 1be NOIe Htlilier a~ ill writlog 10 Ihoae changes. My pardaI Prepaymeot omy reduce lite 21DDUUt of my I1I1XIdUy ~ ~ ~ fin! Change Date CuUowbg lit}' partial JIrepaymeslt. However. aJIY reductlOll due 10 III}' partial ~1llU.y be offset by an Interest rate incn!:ase.
I have

5.

!'annie M8e MOCIFED Il'ISTRUMENT

MIJI. TlSTATI: AOJUSTABI.£ RATE NOTE-LIBOR SIX-MONTH ItoIDEX {AS PUBlISHED IN ne WAll STREET JOIIRNAl.)-8ingia ~omlly Pag& 2 of 5

Kristen

Bodzianowski

1-815-741-9504

p.30

Case: 1: 11-cv-01 950 Document #: 1-4 Filed: 03/21/11

Page 3 of 5 PagelD #:28

LOAN CHARGES H a lIw. wIdch applies 10 ~ bit _ which 5fU IIIDimum loaD dJarges. Is lloaDy iIIttIprdld :so Ikai I&e ink:rcs( O£ otber 1_ tbarges allIeded (II to be c:oIIeded In CIlIIIIeCIMm with tIIis l-. exceed 1he peaalI:ted 1imIt5. 1htII: (I) bY $t!d loaa cbarge sIaaIl be red1lced by the IIlIIIIUII1I1ocessaty to redooe 1lIe dIatge to die ~ limit. . aDd lb) aoy SUIDS alrady ooIleded froID _ tmt ex:aed.ed peo'IIliIl!d Hmil.ndll. be refuDded to roe. The NOie Holder 1lIIY cboose to make lids tefund by mJudDg the PrIndpal J owe IDler Ibis Note Dr by maklng a direct paymeut 10 1M. If. refaall rtdm:ts Prlndpal. !be mlut:tloa will be treI1ed lIS a pu1lal Pepaymem. BORROWER'S FAILURE TO PAY AS ReQUIRED fA) 1m CJmrga fur Owrdae I"gmeDts ]f the Note Holder bas _ rece1'ml ~ fiIJl iIDI01IIII of;lll)' IIIOnIldy p,ymeI1I by !he t:Od of 1.S caltadIr dayI after die dalI! ills due, 1 will ply a I.iU! ~ to the NDtr HoIdu. TIle __ oftht dIirgf: wW boo 5. 000 'l{, of my ovmhn! ~ or pdDdpal ami IlItrresL I will ply dtIs late dNrge prompdy balDIIly ~ 011 r.acb Ie paymeDI.. . tB)Def&uIt If I do DO! pay 1M full.-um of cam lWIDIhly paymeo1 OIl ~ dmu! Ills <bIe. ] wU1 be 10 default. (C) Natk:! 01 DdindI If).iIIl ill deWIIt. thtNote Holda"~ send mel wdamaotke tdliagme fRat Ifl do DOt pay tbeovmlE IIIIIlUII! by a arum Ibte. Ie NOIe Holder may require me to pay Immedialety 1he {qII amount of PriDdpal Challm DOt bc9 paid and at tile intm:st !bat I owe 0lI tbat _.. "I'biIt Uh: IJIIISI be at kasl30 Lb)'s.afla !he date QI] wtIiclJ the JIIJtia: I:s mlkd to Ole or ddIvtmI by odIer means. (I)) No WIivtr By NoU HoS4tr Evalif. III u- wbm) II1II III defanIt, the Note Hoklw does lIOI require me to pay ~e1y In full. describedalKM:.1he NOIeHoiderwW JdlllIave1he right 10 do $OMl am ill d5inIIlaL a later lime. (E) Paymeat or Nott HabIer', Coca anlll ~ If !be NeMe Holder has reifIllred me to pay lmmedlaIely in run u ~ alloft, Ibe NOI\! Holder wID have the. right to be paid back by me fDr aD of its com aod expemcs in !:IIforciDg Ibi:l Note 10 the exteol not. prohIblled. by "ppllcab1e law, 'rhoR expeases include, for ~e. JeUODable aIIomey$' fees, 7.

G.

GMNG OF NOTICES Unlers <l(lpIbbIe law ~ a cHffemlt mttDod, my 1IOIIa: that musI be giYfIl to me IIDIIfi this NDI~ will. he gMn by deIhi:ring II tIf by mailiag II by Ilnzt cl.u:s IDIillIll me "I !be Property Addte9& above or at a dtlfereat address
Note Holder a IID1la: of my difTa-m1 adcIRss. UIIlIss die Note Holder requIm> ~ dlffemn 0leIh0d. any JltIIke thai mIlS! be given 10 th~ Nob! HaIHr Wld~ this Note wiD be given by mailing it by lim cla: Jllilillo the Note HoIIItr it l1Ieaddresutal~ in 5ecdoD 3 (A) above or at • dlffermt ~ If Iun gi'ml a DOIice of tbaI dlfferenl address. OBUGA nONS OF PERSONS UNDER THIS NOTE If nmet! Ihao ,_ pasPll dgos ibis. Note. rach ~ Is fully and pelSOll8Dy ohUgaIed to keep all of !he promises made in Ibis Note. Urludlog !be promise to p.oy !he fullllDlOlltll DWed. Arty P'='" who is a guarautor, surely Dr endorser of tbiS Note is also Dbllgated ro do Ib~ 1hlogs. AIry peooo wbo takes over these obligatlms. indllding !be oIlIij!llJlcns of a guamrtm . .urety or mdom!r- of this Note. Is alw obUgatr:d to Ireqt aU of the proml!c:s IUde In Ihls Note. The Note Holder 1M}' enforce Its tights Ullder this Note agaiost each person indlvIduIIIy 01' agaiaU aD of lIS logethtt. This means thaI any OIIC of lIS may be requlnd to p:ay aD of the anKlIIl'IU nwtd lI!Ider ihIs Note. WAIVERS I and any Dtbt:r persoa wilD bas OOUgatimls under dlis Note waive the rights of Pmentmeltl iIIIII Notice of Disbtmor. "PmemmrJIl" _ the right ID ~ lite Noe HlIlder 10 d_d ~ of UIOWlts due. ·N~ or Di'>booor" _ the righllD requin! the Noll! HoItkr to gRoe notice III mber penom 1bat _ dlle have JIO!: been paid. 10. !1, If I

8.

8M the

FamI& Moe ~FIED

MULTlSTATE AOJUSTABlE RATE NOTE-lJOOR SIX-MOmliINOfX (AS PUBlISHED IN THE WAt.L STREE:T .JOU1lNAl)-SingIe Family
INSTRUMENT "3
0(

&

Kristen

Bodzianowski

1-815-741-9504

p.31

Case:

1iPtf~Fg~~~~u~ftnt #: 1-4
gtvm til tln:Notr: HoldulllllkrlhbNote,

Filed: 03/21111 Page4 of5 PagelD #:29

In ilddltlon til the prolectiom aMcrtgagt>, Deed ofTrusI., or Secarity Deed (die "Security lmtnnnm"J. &ted. the same date "this Note. protects 1be Note HDlderfrom po$Slble IOSS$ that oUght Je5tllt Itl do not kto::p the promises that I make in tills Note. 'IIm Mmrlty Wttumml describes bpw _d under what amditiom I may be requlmd 10 mae imIDe4l»t: payment in full ofd amtJUIlb 1DWt: 1IIUIecthkNote. Some ofthost coodItloos read as This NoteisaUAiformiun'umenl
follows:

With limited \WUIlons in somejurlsdlctions.

Bormwt:t.

of the. Pmpetty or • BeDe6dal brta'est ill ~. As..-l ID !his Smlon UI. my le.llai or beneficial b\ten$t in the l'ToperIy. mdudlng, baI: DI)[ 1Im1leII.1II. tbosI: bentfidallDtrnsU 1nDSfmed ill a bcmd for deed. amIract fOr deed, insIaIlmtDt sms aIIIInlI:t or !Sa'OW~, IlIe bItI!nt of which " the 1r:IDSf'.... of title by BcJnowm- at a fun&re dale In a pan:baser. If.all orany part of t\It! Properly Dr my lmEresIlIllM Property Is sold or ttansfened (orlfllormwm' Is DOt a natural pm:o!L II1II1 beIIIIfIr::WlmMtm 8omJw~lnold orlrlDd'ene4) w1tbouJ.Uodu's prior wrItteD toDSeIIf. Lend!!r 11m}' require Immed1uepayuuinI 111full all _ seared by 1hIa SeaIrIty wtrumtlll. However. ~ PptimI ahaH DOt be rurti:sed by leader If sadl txtJ:CIse 1& prohIbiretl by Applicable Law, lallia' aIsa sWI DOl exercise 1hIs optitKL If: (I) Barrowa-causes to be R!b!uJtItd to ~ informatioo mp.in!d by LeDdfr to e¥aluate Ibt .i!IImded tnA!feree as If a 1!I:!W loan ~ belag made III d1e~; andlb) Lcuder ~ ~ IlIat LeIIder's SfCIIrity will DOtbelmpUed by !he }oas] as5UlIIpIim! and thai !be risk of a breach of uy ecvtfIan1 D1' agreemcm in this Secmi9' Instno.u!1Il is aaeptable to Leader, To the e$IIt ~ by AppliCtble Law, Leader 1lIIY cbarge a ~ ftt as I amdltion to Leod~'s aIQSat 10 t1Ie 1oIm~, Leade£ also may reqllire the tnosferee to sIgI; m ummpIkID agreement 1bal Is .c:upQNe to Lmder m1 !bit 1lbJiptts!he IraDsf~ III keep all lite p:ombeI; and agreements =de trJ the Note IIDIIIn IbI5 SKurity 1DstrImtt8t. 8on'owet will CODtimIe to be agalM UIIOO' the Nm:e IIDd 1hi.s. Seouity Imtrumea1 unless Leadet reI_llotrowtr In writing. If Ll!nder exercises the oplloo to I1>I)UIre ~ paynwrt III full, l..eDtIer 5haII glve Borrower DOticeofiCCelendOl1, Thenollce sbaIl provide a pedDd ofDDl1esliwl30days from !he daie1ilellQlite Is givtII in acr;ordaocz with Section 15 wltbiu. whIdJ. BomI_ DUI5l pay .n !IUIIIS -=-red By this. Scau:iIy lIIsu'ument. [r Borrower falls In pay these surm prim' til ~ expintDoII of tIds period. Lender ouy bMIke any mmetii6 permitted by 1his Sm:mity ~ wilhmrt furtber II01Itt III' deImud 011 Tnmfa'

"Interesl ill tile Property" m_

or

MULTISTAT£ ADJUSTABLE JtATE NOTE-LIBOR SIX·MQNTli INDeX {AS PUIIUSHED IN WAlL S71l£ET JOURWAl)-ShgIo F_y f_ MM MODIFIED INSTRUMENT Page 4 5

ne

or

Kristen

Bodzianowski

1-815-741-9504

p.32

Case: 1:11-cv-01950 Document #: 1-4 Filed: 03/21/11

Page 5 of 5 PagelD #:30

WITNESS TIlE HAND{S) AND SEAL(S) OF THE UNDERSIGNED.

----------lSW)

.1Ianuw!r

---------------------~
.8orrowel'

---------------------~
-Barrower

---------------------~ .• Bo:rower

---------------------~ .~
Pay to the order of:

Deutache Sank National Trust C'mlpen)' • • TrU$1M fa( the NovaSlar Hom& Equity t.aan AsseI Backed Cel'tilica&ft&, jl>till,-'-s~===x=~_

s.n.

MOViStar A VI

W1TJiOUT RECOURSE

rpOTatlon

rtgllge,lnc:.

fSJgB 0rigJDaJ OBIy]

M!.Il.T1STAT! I\DJUSTABU:RATf NOTE-UBOR SlX-MONTH INDEX (AS f'lJSlJSHED!N WAU. S7TlHT JOUli'NAL)-Sir'9I! family F..... MM MOOOI£O INSTRUMENT !>ago 5 of 5

Kristen

Bodzianowski

1-815-741-9504

p.33

Case: 1:11-cv-01950 Document #: 1-5 Filed: 03/21/11

Page 1 of 3 PagelD #:31

-

_

.....

MAIL TO: Burke Costanza & Cuppy LLP 9191 Broadway Merrillville, IN 46410

COVER SHEET This cover page has been attached to the document
for the purpose of affixing Recording information. It is a permanent part of the document and has been included in the page count.

This instrument was prepared by: James N. Pappas, Attorney at Law
Burke Costanza & Cuppy, LLP 9191 Broadway Merrillville, IN 46410

Kristen

Bodzianowski

1-815-741-9504

p.34

Case: 1:11-cv-~1950 Document #: 1-5 Filed:' 03/21/11 Pag~ 2 of 3 PagelD #:32

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Kristen
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Bodzianowski

1-815-741-9504

.~~ji'
;

p.35

Case: 1:11-cv-01950 Document #: 1-5 Filed: 03/21/11

Page 3 of 3 PagelD #:33

,1'".' .......


Pn:pared by: Cary Mess~
OcWCD LQan Sovicing. Ll.C

1661 Worthington Road, Suile 100 WestPa1m&ach, Florida, 33409 Plume Number: 561-682-8835 Atromcy Code: 1494{)

731197592400

ASSIGNMEf'<"f OF MORTGAGE ILLINOIS :This ,\SStCl'lMENT OF MORTGAGE is made and entered into as of the 06TH day of MAY. 2010, from MORTGAGE ELECTRONIC REGISTRA TJON SYSTEMS, INC., as nominee for NOV ASTAR MORTGAGE, lNC., whose addreSs is 1901 E Voorhees Street, Suite C. Danville, IL 61834. its successors and assigns, ("Assignor) to DEUTSCHE BANK NATIONAL TRUST COMPAl\'Y AS TRUSTEE NOVASTAR MORTGAGE FUNmr-iG TRUST. SERIES 2006-5 NOVASTAR HOME £QUlTY LOAN ASSET·BACKrn CERTIF~CATES, SERIES 2006-5, whose address Is cio Oewen Loan Servicing,LLC, IMr Worthington Road, Suite 100, West Palm Bench, Florida, 33409, all its rights, tide and interest in and to a certain mortgage doly recorded in. the Office offhe COunty Recoroc:rof\\1LL County, State DfILLIN01S. as follows:

Mortgagor: HOWARD 1. BODZIANOWSKI AND KRISTEN M,BODZIANOWSKI Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR NOVASTAR MORTGAGE, INC.
Amount: $165,000,00 Document Date: SEPTEMBER 25,2006 Dale Recorded: NOVEMBER 22, 2006 Document/Instrument/Entry Number: R2006194666 PTN:03·24-405-02S-0000 Property Address: 3314 CONCORD COURT, LOCKPORT, IL Property more fully described as;

LEGAVDESCRIPTION: LOT 48 IN HE.RITAGE LAKE ESTATES UNIT THREE, A SUBDIVISION OF THE SOUTH HALF OF THE SOUTHEAST QUARTER OF SECTION ?:4, TOWNSHIP 36 NORTH, RANGE 9, EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF RECORDED MARCH 27, 1997, AS DOCUMENT NO R97-25051, IN WILL COUNTY, ILLlNO!S
This Assignment is made without recourse, representation or warranty, IN WITNESS WHEREOF. the undersigned has executed this Assignment of Mongilgc at West Palm Beach, Florida, this 20TH duyof JANUARY, 20\ I, MORTGAGE ELECTRON1C REGISTRATlOI'I SYSTE.MS, INC, ACTING SOLELY AS NO l FOR NOVASTAR MORTGAGE, INC. BY: NAME: TITLE:

Christina Curter Vice President

STATE OF FLORlDA, COUl'\FJ1' OF P.to,LMBEACH

)SS.

TIle foregoing instrument was acknowledged before me this 20TH day of JANUARY, 2011. by Christina Carter, the Vice

President at MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR NOVASTAR MORTGAGE, INC., on behalf of the bank, He/She is personally known
10
.;..,0,.:.... _

<.»
Notary Signatff!6

MIN:i00080190D6Q032935

MERS Ph.#": (888) 679 - 6377

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