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Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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(24-014480H)
COURT OF COMMON PLEAS
FRANKLIN COUNTY, OHIO
M&T Bank Case No.:
One Fountain Plaza
Buffalo, NY 14203
Plaintiff, COMPLAINT IN FORECLOSURE
Permanent Parcel No: 010-067860-00
-vs-
Rachel L Johnson, II a/k/a Rachel L
Johnson
479 Hilltonia Avenue
Columbus, OH 43223
Unknown Spouse of Rachel L Johnson, II
A/K/A Rachel L Johnson
479 Hilltonia Avenue
Columbus, OH 43223
United States of America, Secretary of
Housing and Urban Development
c/o U.S Attorney's Office
303 Marconi Boulevard, Suite 200
Columbus, OH 43215
Serve Also:
c/o United States Attorney General
950 Pennsylvania Ave NW
Washington, DC 20530
State of Ohio, Department of Taxation
c/o the Ohio Attorney General
30 E Broad St, 14th floor
Columbus, OH 43215
City of Columbus, Ohio
c/o Columbus City Attorney’s Office
77 N. Front Street
Columbus, OH 43215
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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Franklin County Treasurer
c/o Franklin County Prosecutor
373 South High Street
Columbus, OH 43215
Defendants.
COMPLAINT
COUNT ONE
1. Plaintiff is entitled to enforce a note, the original of which is in plaintiff's possession.
A copy of the note is attached hereto as Exhibit A.
2. The note has been modified in part by a certain loan modification agreement executed
by the parties. A copy of the loan modification agreement is attached hereto as Exhibit B.
3. There has been a default under the terms of the note and loan modification agreement;
plaintiff has performed all conditions precedent; and plaintiff has accelerated the debt.
4. There is due to plaintiff, M&T Bank, from the defendant, Rachel L Johnson, II a/k/a
Rachel L Johnson, upon the note, the sum of $51,499.27, with interest at the rate of 7.125% per
year from August 1, 2023, plus court costs, advances, and other charges as allowed by law.
COUNT TWO
5 Plaintiff incorporates the allegations of Count One and further states that the note is
secured by a mortgage, a copy of which is attached hereto as Exhibit C. The mortgage is a valid
first lien upon the real estate described therein.
6. The mortgage was filed for record on December 2, 2003, as Instrument Number
200312020382321, of the county recorder's records and it was subsequently assigned to the
Plaintiff. The conditions of defeasance contained therein have been broken; plaintiff has complied
with all conditions precedent; and plaintiff is entitled to have said mortgage foreclosed. A copy of
said Assignment is attached hereto as Exhibit D
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7. Plaintiff says that the defendant, United States of America, Secretary of Housing and
Urban Development, may claim an interest in the property by virtue of a Mortgage filed for
record on January 19, 2017 in Instrument Number 201701190010435 of Franklin County
Recorder's Records. A copy is attached as Exhibit E.
8. Plaintiff says that the defendant, Unknown Spouse of Rachel L Johnson, Il A/K/A
Rachel L Johnson, may claim an interest in the subject property as the current spouse of the
defendant-titleholder, Rachel L Johnson, II A/K/A Rachel L Johnson
9. Defendant, Franklin County Treasurer, may claim an interest in the subject property
by virtue of property taxes due.
10. Plaintiff says that the defendant State of Ohio, Department of Taxation may claim an
interest in the property by virtue of the following State Tax Liens.
a. filed for record on December 7, 2011 in Instrument Number 11 JG 12 49049;
AND
b. filed for record on December 10, 2021 in Instrument Number 21 JG 103954
11. Plaintiff says that the defendant City of Columbus, Ohio may claim an interest in the
property by virtue of a Lis Pendens filed for record on June 30, 2023 in Instrument Number
202306300064920 of Franklin County Recorder's Records
12. Defendant, Rachel L Johnson a/k/a Rachel L Johnson, may claim an interest in the
subject property as a titleholder.
WHEREFORE, plaintiff prays for a finding of default, in the amount of $51,499.27,
together with interest at the rate of 7.125% per year from August 1, 2023 plus court costs, advances,
and other charges, as allowed by law; be adjudged a valid first lien upon the real estate described
herein, and that said mortgage be foreclosed; that said real property may be ordered sold, and that
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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plaintiff be paid out of the proceeds of such sale; for such other relief, legal and equitable, as may be
proper and necessary; and that all the other defendants herein be required to set up their liens or
interests in said real estate or be forever barred from asserting same.
/s/ Melissa J. Whalen
Melissa J. Whalen (0068316)
Richard Mark Rothfuss II (0087592)
Trial Counsel
McCalla Raymer Leibert Pierce, LLC
1 North Dearborn Street, Suite 1200
Chicago, IL 60602
(312)346-9088
ohio.pleadings@mccalla.com
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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Exhibit A
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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Muttixtate
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RBGRROWER'S PROMISE TOP YONTEREST
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fovn rhe a cs sist sent OF Ine Inase gomcveads hy Lenten, hereof Six and One-duarter
fpesrcent 8 EY peer ye mt thee Fl neonaf principal Lows West,
3 FRUMISK TO PAY S85 RED
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thie ting aud ealled Ber Sent et Teearemneni,” Tht Sucwity Lysramens pemens Te fexcciny fim Ingeee whe i mitt ewan aE
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4. MARNER QF PAYMENT
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cmLUMAUS, ONTO 43235 er ab guts place as Leander ssey desienate in wrianie
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(O) Amount
Rach mnihly paymatt of peincipad and iotetent 8 k Be tbe wont af & 559.33 This ACME
wit be part of largo monttly pays reulted Uy One Socutiye taettarae at stall be ape to peinekpal, imrest and Stee
Reme in the acer drantited in the Security Loti.
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Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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A ROR PS WARLURR TORBAY
Ad Eat thangs fhe Overdlas Lassents
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2 ORE AGATEONS GHHERGONS UNDE TIS NOTE
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dhe amewnns eves cinder Thee Neto.
BY SUGNING BELOW, Borner acnpm atl agreas 9 dhe wang and Loverants ceamtpinel by thie News.
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Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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wirnour RECOURSE
PAY TO THE ORDEROF
WELLS FARGO BANK, NLA.
SUCCESSOR BY MERGER WITH
WELLS FARGO MEME MORTGAGE, ING
DAN CRETER: , SENIOR VIGE PRESIDENT
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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Exhibit B
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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nl it AN
instrument Number: 201702060017837
Recorded Date: 02/06/2017 10:52:59 AM
Danie! 3. O'Connor Jr.
Franklin County Recorder
373 South High Street, 18° Floor
Columbus, OH 43215
(614) 525-3930
http://Recorder.FranklinCountyGhio.gov
Recarder@FranklinCountyOhio.gov
Transaction Number:
Document Type: MOD OF MORTGAGE
Document Page Count: 10
Submitted By: Return To:
First American Title Insurance Company First American Title insurance Company
Simpitite Simmpiitile
First Grantor: First Grantee:
RACHELL JOHNSON, fi WELLS FARGO BANK NA
Recording Fees: Instrument Number: 201702060017837
Document Recording Fee: $28.00 Recorded Date: 02/06/2047 10:52:59 AM
Additional Pages Fee: $64.00
Marginal Reference Fee: $4.00
Total Fees: $96.00
Amount Paid: $96.00
Amount Due: $0.00
OFFICIAL RECORDING COVER PAGE
DO NOT DETACH
THIS PAGE IS NOW PART OF THIS RECORDED DOCUMENT
NOTE: If the document data differs from this cover sheet, please first check the document on our website to ensure it has
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COVER PAGE DOES NOT INCLUDE ALL DATA, PLEASE SEE INDEX AND DOCUMENT FOR ANY ADDITIONAL INFORMATION,
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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FRANKLIN COUNTY, OH Recorded: S20G17 10.5289 4M Instrumanta 20172226001 7837 Faye aft
.
‘Dhis Cncurenc Prapared By:
BRENT WATKINS
WELLS FARGO RANK, NAL
3476 STATEVIEW SLVR, MACH NIBOL-ASK
FORT MULL SC 2971S
ROD) 41 1STZ
When Recorded Mail To:
FIRST AMERICAN TITLE CO.
DTG ~ MARL STOR B28
S FIRST AMERICAN WAY
SANTA ANA, CA S2707.9991
TariPareel & VOWED
Space Above This Line for Reonrding Data] ese
Griginal Priscipal Amount? $88,842.60 avester Loat Nad
Gapald Peiisijtal Amosint: $68,905,59 Laan Not (sean barcude)
New Principal Armonk $50,228.42
Total Cap Amannts 80.00
HOME AFFORDABLE MODIFICATION AGREEMENT (MORTGAGE)
Exeanted on this day: DECRMBER 28, 2016
Regrower (4°! RACHEL LIQHNSOR TAKA FACRRE L JOHNSON, SINGLE
Sonrawer Maiing Address: 479 RILLPONIA AVENUE, COLUMBUS, OHNE 43323
Leader or Servicer (*Lendts”): WELLE FARGO BANK, SA,
Leander ot Servings Addlessa: 476 STAPEVIEW BEVD, MACH N7ROLOIR, FORT MELE, RE 2971S
Date of Risc ties siertesye, deed of trust, ue security deed OMorigage') NOVEMBER 21, 2003 end the Mists
Note") date of NOVEMBER 24,
Property Address Property") 479 HELETONLA AVENUE, COLUMBUS OHIO 43223
‘Lagal Deeeription:
Wells Fargo Cedars PHS She SAincide MOLECAON A MER HEAT
ut 8,
tape a
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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SRANKUN COUNTY, OF Recotded: SGC? 108R89 4M Inatrumant # AOT7RERSNO TART Page Sart
MEING LOT NUMBER THIRTEEN {33} IN BLOCK NUMBER ONK (1, IN HELIONIA AND
ABRITION, AS THE SAME IS NUMBERED AND DELINEATED OPON THE RECORDED PLAT
TREREOF, OF RECORD IN PLAT BOOK 24, PACK 22, RECORDER'S OFFICE, PRANKLIN
SORESTY, OUD,
Sear lasteament refercs Receedednet DECRMBER 2, 2003 in INSTRUMENT NO,
2ORM12028382521, of the Ofticiad Records uf FRANKLIN COUNTY, O81}
FHA Rowe Abedable Modification Ageseuent OAgesmen™} is made on DECEMBER 23, 2016 by
sid Dennen Borrower, as abtigan(s), ar as title hulden’x} to the Property, as the content may regjtina, and
‘Latnion Bornuver’s obligations under the Note ans secured by a pecnerly rexonded Mortgagy, dated the same.
date as the Note encumbering the Property. Roreawor agrees that, vacest as xxpeesxly modified in this
Agreament The Nos aos the Mongage romain ir full force sind eer and ade valid, binding odligadians upon
Borrower, except as discharged in Bankruptcy, aad are properly secured by the Property, Nothing in this
Agreement shall be understood or construed to be @ satistaction or release, in whole of ix patt of the
Sorpucr's obsigaions under the Lous Documents.
ieny eepevsentations in Section 1, Bormawer Represematicns, canfinut to he tour bt all material nespece, Gen
this Agreement will, sa set forth ix Sections 3, aimend and supplement (1) Ue Mortgage on the Property,and Oy
the Note secured ky the Mongage. ‘The Mocgage and Note together, as thoy mise proviously have deen
amended, acs referred 20 8 the “Los Documents.” Capitalized sermiy used fn hls Agresmaent snd nae doting’
have the mensing givento them i the Loan Dacuments
f Rurrovier Representations,
i sertify, mpresint
to Lander andl agree:
A 3 am experiencing @ financial hardship, and ay 3 ronult () Lane fn default usder ge corms of the
van Documents, and. {iQ Teds not have snifielent ineame or avonse bs safficient Liquid asxers [ss
mabe the monthly morgage psyminis mew or ie dhe near fitires { dt nat Infertionally or
rpoxelutly default on the teres of the Loss Documents in arder to obtain a loan medification;
tcertify the Froperty is not condemned and is not vacant withaws the intent te recom;
Trave has foen nd imparnissidte change in thee ouneeship: af che Property shee 1 signed the Lown
Rocuments:
DR Lkave provided documentations Yor all ineanse that Tneanive tand F andintand that Yam not aquired
fw disclose child support ov alicsony wales Fohos to nly an such incase whi cequasting ty
qualify fer the PUA Home Affordable Modification Programs (Prograt"Ik
B Eee penalty cf pedory, all doconrente and information # havs provided be Lender io commsetion
with this Agreement, including the document and infsrmation regarding my eligibility fer the
‘Pragramn, are ere and correck
Re BE Lenddye requires raeYo alten reddit counseling in connection with the Program, Fill
do sig and,
‘Winks Fargo iaean HUA Rome AdtuaEANG Moiaation Agente
TDGBE
Reged a
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
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SRANKUN COUNTY, OF Recorded: SWORE? 410.589 4M Inatrumant # AO 7RARSNOT TART Page dah
& Acknowledgement and Preconditions to Medification.
Tonceratand apd acknowledge that:
A. i prior w the Modification Eifective Date as set forth in Section $ the Leader determines thet ay
ry miations in Section { are as jonger tue and correct, the Lome Destments wil not be
amivili fied and this Agewement Uti ieembnts. tn dhis evnnt, the Louder will have all af ehe rights and
semeidies provided by the Loan Dacumenty; and
a. Usnilecsisnd Ghat ths Loss Dexumente vill aot be modified unless sid aati (2) L nsceivs frow the
Lemiat a copy of this Ageceonent xigned by the Lendes, and (ii) the Moditicatin EXgeive Dore (as
defmed in Section 3) has occured, f fsnber understand and thas the Lense will not be
‘abligatsd of Sound2 make any modification of the Loan Documents if] fail to moet say oneaf the
neqdineminnss antdee this Agreement,
g. it included, the wsdersigned herrawse(s) acknowledges reavipt and sceeptancy of the Notice of
Special Feel Hazard disclomes
2 ‘The Madification.
if my sepeusentitions in Section | continu 4 be orue dn olf msterist respects ard al} precomafidions to the
modification set forth in Section 2 have been mes, tie Loan Documents will automatically become
modified on MARCH [, 2017 {the “Modification Eéfective ete") and all ampaid iste charges that remain
dinpald will be waived, # understand that if Lhave fallod te make all taquived payments #9 9 precondition
this xdificatin vades 6 warioset plan or tint period gisn. the Leader has the ij Wo Fefeee Ris
Agreement evan if L have xigned end raunyed shis Apremment. The fies murlfed payment will be slay on
MARCR §, 2037.
A. The new Maturisy Date will be FEBRUARY 1 2647.
B. The modified principal balance of my Note sill inctude arscunis and amrsirager that will ke gast
due as of the Modification Effective Dave. This shoes wat instadle unpaid Iae@ charges, valuation,
propesty preservation asd orber changes aor pennitted under the tems of dhe PHA Nome Aflaedable:
Moditication Program, Parmittsd amounts and srreaniges muy inclede uipaid and deferred interest,
fer, carmat advances and other sosts fevs any amounts paid ox the Lender bot mat peeviously
rodised te mi Logs; collectively “Unpaid Amounts‘ the portion of Unpaid Amounts capitalined és.
SOHN. The new principal balance of sy Nowe wilt he SSOMIRRE (the “New Principal Balanae")
which includes dhe eapiislined Unpaid Amasnes, tumbsesignd that by agreeing io add dhe Unpaid
Armies (@ the outstanding primipal baisare, she added Lingpald Amounts acorue interest beed on
tha intecest rate in effect unser this Agreensent, F also understnad slat this moans faterest well now
Soiries on ths ueypald Raverest that is added te the outstanding principal featmce, which would oat
appen witheut this Agsestnenn
6. With the modiflnstion you will have a tal partied claim cue af 8202028, which lecladss
B1R.264.73 that has bern reduced Show the Uepaid Principal Balance & reach the New Principal
‘Balance above. This Agreement is cunditiosal gn dw proper exceurlon and recsnfing of this HUET
Fssint Chae,
‘ate Farge taoteen PMA Hone Astaatae Modification Awsenneat
FERRE8,
Pagan d a
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PRANKUN COUNTY, OF Recorded: SHOGRET 10.589 4B Inatrumant# AOU7RERSNOT TART Page Soft
rarest ab the rate af 3.8280%% will begin to accrue ae the Imbensss Bearing Principal Balanceax of
FRERUARY 1, 2087 snd the fot new monly payment on the fowrest Bearing Priscipal Bahace:
will he dus on MARCH 1, 2617, Inset due on each monthly payment will be ealculated by
uitiplying the New Principalictorest Bearing Principat Balance and the datevest rake in effal at
the time af calculation and dividing sit rest by resive (2) My payineut aakedule fF he
‘modified Loan is as follows:
Satis Tateread ae Tatereat Rate ‘Meuthiy Primtipat Meanie “Toad Ramet
Change Date and intereet Payment Beene BagOe
ayREE
Aovauat®
a Te i OTF ERA? $138.33 BR
acs
OTT
|
Safer your modification iy ounuplete, cuerow prymontte adit at loret armealiy in
accordance with applicaliis law therefore, the total menthly payment may
aecoretingty.
‘The above forms shall supersede say provisions 6 the contrary in the Loan Rocumsats, inching.
‘bul yet limited tn, provisions for sn adjusishleor step interest rate.
} understand that, if ¥ have 2 pay optian adjustable race mangegs loam, upon modification, the
aiinimem monthly payment option, the interestanly se any other payment options will ne longerde
offered. and tat the wonthly payminds described in the above peyment schedule for my medified
fogs will be the minimum payment thet will be Mux cach month for the remaining
ter of the fean.
My modified foun will not have a negstive ammertization feaness that woke Alisw me bo pay leas
than the interest due yerulting in any unpaid intemst to be sbdad to the outstanding principal
Twill be tn defauk if f do nae comply seith thicterms of Hie Lom Dooumems, as modified by thie
Agena,
e Af 3 default sans of intrest is permitted inder she Loan Doctrments, then ia the evaet af dedeust
under the Loan Oreumenti, af amended, the interest that will ine chue wilt fee the rate set forth,
4 Additional Agéssmants,
Fageaetothe following?
A. That sll persons who signed the Loan Docutnanis or their authorieed repreeentativeds) have signed
‘this Agreement, usieas (i) & bormwer or co-borrwer is deceased: {it} the borrower snd coshorrower,
are divoreed and the pmpeniy Kas been transferred 10 ene spaise in the divoroe decree, the spouse
who no longer hae an intersat ie the gen need not sign thie Agreement talthough the aon
signing spouse may continuete beheld [lable for the obligation wader the Loan Documeniay, ar 8}
the Lender
has waived this teguiesanentis writing,
B. ‘That this Agreement gusi} supersedy the thems of arg asadification, firbearmmox, Tal Rovio’ Pac
‘af Mortgage Assisiamen that? previounly entered inte with Lender.
‘weals Farge Satan ENA Hone AMeoalshis Moddeaaicn A gored
HLEBUE4a
Raps a
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
0G803 - Be
PRANKUN OOUNTY, OH Reconted: SWOGRUT JORG 4B Instrument# NTRS TSS? Baye sant
LW comply, xeoent ta the ssxtent that they are mnadifid by’ this Agremnent, wit all comenuesis,
agreemnonis, sad requirements af Loan Qhoamensys including my agesomest te inake al payment of
axes, imeence preniums, saacsemems, Escow Tems, impounds, and aff otter payments, the
smictiat af whiok may change peclodiasily eure the teen of ay Laan,
‘FNak this Ajgtement ounstituies notice that dhe Lenders waiver ax pi pryment of Excrow leans, if
gy, has hove revekisd and F hawe hows advisol of the ampurd mended ts Ailly fad my sree
aésount.
Ramik for Escrow fees, 2 will pay os Lender an the day paywenis are due under the Lear:
Dacumenta 6 amended by shis Agreement, seal the Loan & paid in TY, a sum the “Pande} ie
provide for payment of amounts due for {a} nates And aadesements and otber ikgns which ote stain,
pelority ewer the Morgags aa 8 figs o noembrance on the Property; (8) leasehold poymere or
ground yeas on the Prsguty, if anys (ey premiums Ge any and af tienes eaquinsl hy femdee
under the Lose Documents; (2) morgage insurance prteiums, ary, OF ay SUMS RAYSEIE LO
Lander ine fee of the payment af morgage insursnce premiums in aconsdance wih the Loan.
Tieusrieets; and (ek ay comPANAHIEY assacistion dies, fees, nT ANmLAsMRENTS thal Lander NAQUIRS i
De etesownd. Tikse items axe stiod “Rsneww Env, Talal paneinddy Aumiah to Lander all nology:
ve’ gmnowitsto be paid under thiz action, I shall pay Lenser the Funds er Eecrow. tteme untess
Lecter seaivgs my obligation to pay the Funds for angar all Ron ftemss. Lander may seta my’
alsigation22 gay te Lander Binds br sey o alt Eset Heme st any tins. Any such waives may
only be ie waning, tr dig eet af atch waiver, L ehall pay directly, whew and where payable, the
-asrcisnis due toe any Escrow Lemus for which payment of Rundshas boon salad hy Lander and. if
‘Lendit requires, isl! farkish te Leader tooeins evidenning seh sayment within auch time peviod
ae Lendue say reguirs, My obligation to make nach payments and to peovide meeige shall forall
purpares be dromed to be # cavenant anid agreement contained ie the Loak Rocuments, af the
phrase Ssoveriont and agtpemient” Is udnd in the Laan Doclments, 101 ser obligated to pay Escrow
Fema dicey, sunsaant to «waiver, and [ASE Yo pay the amatas dae for ae Foro ie, Landay
may wenreise its cighia under
the Laas Lewments
ane shis Agreement and pay stich amour acta Y
shad then be-obligansd te yepay ie Lender gay auch amount. Lender stay revoke the sitlver ae. to:
Seep ot all Eero Thamis at any time by 2 Botion given is spourdanse with the Loan Document, and,
‘upon auch rewcsation, Tahal! pay @ Larderall Fins, and in nish amiounas. that are ther mquited
vurideg this section.
Lanier nag &t any tin, oallaet and hotel Ponds fe a aehatiot. fa} su Aistont br pene Lander os
apaly she Pandy as the time specified andar die Real Bitais Sottiemont Procaduney ct RESP},
and {b} not Je sxcosd the maximum amoket a lypaier ate regulee under RESPA, Lander shelf
eetimate the aingung af Funds. due sie the tosis Qf surname dats sng: seasarabte ‘estimates at
stpendinures at fawee Recrow Items or ofherwixe jn. svcordanne wit ayplinadle law.
“Phe Funds ahsii be geil fy an inatisitinn whose daposita aw iesured py 8 felletal agency,
‘ieremenadliy, ar satity (inshating Linder, Hf Lendtr ivan inetingion whose depsits act or
nding} ct ir sey Federal Hams Loan flank, Latder shalt apply he Runds te pay dhe Eecrowy tee
fa fator than the toe specitied under RESP, Leni shall nat charge me fer holding ana! appising,
der Funss, annually amnlyaing she esccew account, of verifying aks. Escrow: Henn, unbes Lense:
pays me inferent ae the Faands and applicable few poset Lender 1 she wack & chaige, Unless 90
-agesonent is angle bs writing or applitabhs fa regalees heared 1 -be paid as the Funds, Lander
all no be to 26 PAY ME MNY interent we eamMisge vee He Ponda Lender sind. (oan sgrecdis
writing, hownver, chat interent xhsll be gaid
ae the Funds. Conder etal provide ig, withont charges,
abbas Fagg Chena: HALA Nisan Athashte Moxdiancion Agente
HESS
Page 8
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924
0G803 - B7
PRANKUN QOUNTY, OH Reconted: SO
Preview
Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B5 (24-014480H) COURT OF COMMON PLEAS FRANKLIN COUNTY, OHIO M&T Bank Case No.: One Fountain Plaza Buffalo, NY 14203 Plaintiff, COMPLAINT IN FORECLOSURE Permanent Parcel No: 010-067860-00 -vs- Rachel L Johnson, II a/k/a Rachel L Johnson 479 Hilltonia Avenue Columbus, OH 43223 Unknown Spouse of Rachel L Johnson, II A/K/A Rachel L Johnson 479 Hilltonia Avenue Columbus, OH 43223 United States of America, Secretary of Housing and Urban Development c/o U.S Attorney's Office 303 Marconi Boulevard, Suite 200 Columbus, OH 43215 Serve Also: c/o United States Attorney General 950 Pennsylvania Ave NW Washington, DC 20530 State of Ohio, Department of Taxation c/o the Ohio Attorney General 30 E Broad St, 14th floor Columbus, OH 43215 City of Columbus, Ohio c/o Columbus City Attorney’s Office 77 N. Front Street Columbus, OH 43215 Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B5 Franklin County Treasurer c/o Franklin County Prosecutor 373 South High Street Columbus, OH 43215 Defendants. COMPLAINT COUNT ONE 1. Plaintiff is entitled to enforce a note, the original of which is in plaintiff's possession. A copy of the note is attached hereto as Exhibit A. 2. The note has been modified in part by a certain loan modification agreement executed by the parties. A copy of the loan modification agreement is attached hereto as Exhibit B. 3. There has been a default under the terms of the note and loan modification agreement; plaintiff has performed all conditions precedent; and plaintiff has accelerated the debt. 4. There is due to plaintiff, M&T Bank, from the defendant, Rachel L Johnson, II a/k/a Rachel L Johnson, upon the note, the sum of $51,499.27, with interest at the rate of 7.125% per year from August 1, 2023, plus court costs, advances, and other charges as allowed by law. COUNT TWO 5 Plaintiff incorporates the allegations of Count One and further states that the note is secured by a mortgage, a copy of which is attached hereto as Exhibit C. The mortgage is a valid first lien upon the real estate described therein. 6. The mortgage was filed for record on December 2, 2003, as Instrument Number 200312020382321, of the county recorder's records and it was subsequently assigned to the Plaintiff. The conditions of defeasance contained therein have been broken; plaintiff has complied with all conditions precedent; and plaintiff is entitled to have said mortgage foreclosed. A copy of said Assignment is attached hereto as Exhibit D Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B5 7. Plaintiff says that the defendant, United States of America, Secretary of Housing and Urban Development, may claim an interest in the property by virtue of a Mortgage filed for record on January 19, 2017 in Instrument Number 201701190010435 of Franklin County Recorder's Records. A copy is attached as Exhibit E. 8. Plaintiff says that the defendant, Unknown Spouse of Rachel L Johnson, Il A/K/A Rachel L Johnson, may claim an interest in the subject property as the current spouse of the defendant-titleholder, Rachel L Johnson, II A/K/A Rachel L Johnson 9. Defendant, Franklin County Treasurer, may claim an interest in the subject property by virtue of property taxes due. 10. Plaintiff says that the defendant State of Ohio, Department of Taxation may claim an interest in the property by virtue of the following State Tax Liens. a. filed for record on December 7, 2011 in Instrument Number 11 JG 12 49049; AND b. filed for record on December 10, 2021 in Instrument Number 21 JG 103954 11. Plaintiff says that the defendant City of Columbus, Ohio may claim an interest in the property by virtue of a Lis Pendens filed for record on June 30, 2023 in Instrument Number 202306300064920 of Franklin County Recorder's Records 12. Defendant, Rachel L Johnson a/k/a Rachel L Johnson, may claim an interest in the subject property as a titleholder. WHEREFORE, plaintiff prays for a finding of default, in the amount of $51,499.27, together with interest at the rate of 7.125% per year from August 1, 2023 plus court costs, advances, and other charges, as allowed by law; be adjudged a valid first lien upon the real estate described herein, and that said mortgage be foreclosed; that said real property may be ordered sold, and that Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B5 plaintiff be paid out of the proceeds of such sale; for such other relief, legal and equitable, as may be proper and necessary; and that all the other defendants herein be required to set up their liens or interests in said real estate or be forever barred from asserting same. /s/ Melissa J. Whalen Melissa J. Whalen (0068316) Richard Mark Rothfuss II (0087592) Trial Counsel McCalla Raymer Leibert Pierce, LLC 1 North Dearborn Street, Suite 1200 Chicago, IL 60602 (312)346-9088 ohio.pleadings@mccalla.com Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B5 Exhibit A Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Be Muttixtate ’ aa ae Nuvember 21, zoos ats — $7S WELLTUNIA AVENUE GRLUMELS, UX AgEz3 Peogony Adetroved « PABTOES cet such gots shag at the oat of tty Nove sk? Ras peeon's Sunes wd assigan. « sendee" most uneaa Savines BANK suid 9 ererssors and dsc RBGRROWER'S PROMISE TOP YONTEREST Teron Fite» Ina seneived ene Labiler, Borsaacee RORUENS te pay ee Sack Som renin of astisi team Nisety Thousand, Eight dundres Farty-Twe and No/10! Dotan ¢ s an 882.08 nts aivse, to she senor AF Leniter. leterast ooilf be Changeadl Of dopsdd gelnatpial fovn rhe a cs sist sent OF Ine Inase gomcveads hy Lenten, hereof Six and One-duarter fpesrcent 8 EY peer ye mt thee Fl neonaf principal Lows West, 3 FRUMISK TO PAY S85 RED Acapwet'x prumiss fo pay is 28) dy a lacgoge, dood OF seuslGF Siwilar sexeritN Tastesisoal diet IS dae ha sees dee as thie ting aud ealled Ber Sent et Teearemneni,” Tht Sucwity Lysramens pemens Te fexcciny fim Ingeee whe i mitt ewan aE Smuriwer defaats wader this Soke 4. MARNER QF PAYMENT (thee orc halt tna pa AC AF pri an imerest wo Leader ax Rest day of eads aunts beginn be dagger yt Any soriseipad ant inpanse 1e sins le stday oe Uncesbsr "eit made thet doe, vc Beeld te "Miatarity Bsa" Place shui bomadsar S883 W. DUBLIN-GRANVELLE ROAD cmLUMAUS, ONTO 43235 er ab guts place as Leander ssey desienate in wrianie bey notige to Gorrawwer, (O) Amount Rach mnihly paymatt of peincipad and iotetent 8 k Be tbe wont af & 559.33 This ACME wit be part of largo monttly pays reulted Uy One Socutiye taettarae at stall be ape to peinekpal, imrest and Stee Reme in the acer drantited in the Security Loti. {DY ALaage a Ibis Hote for pagmes ailjustmneects Uf sp allonge pravidiag for paysncut wuljusimenss exeanied By Re War 5 ether with this Nog. the ou: RY AER ltonge skall le incarpinenied ities ane Shak sand. and! stipplement the cavenahis Of this Nowe ap if the wlange wens Note. f sects agnphicabse hos} chadeanet Paynent Atusge |lorowing Bquity ABoage [ Sor (apecity) S$. BORROWER'S RATT LO SREECRS Burger OKs, Landa has SHAS FRE ACTER LO DAY pIEPAUMEN de evideared Om aibeeyh Note i, os Aya provided ot past(UNwast that Manurece nage interest ne penal on tha mended rm woe Fstfo day wlan a on eons 20. the axckest requived iy Leusiar aad peceitted by eegeulndions cf Ue 3) pmpryment, thot will be no changes at the due Unie OF RUE ameuee of tho MoRly payee ABI Lorie BAPEti wk 8SHUNE sy. TE Bgemmwee putt:HO thngs ek ees. Rae soughtSiameac SULA Motnisecte Wied ate. Nay ss pases sre Hate Sak be Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B6 A ROR PS WARLURR TORBAY Ad Eat thangs fhe Overdlas Lassents WE ‘ene fa nok reseoves the Tak manny poynwo’ nagulied by be Saeurty Was 2 de ea te Paige WME bra N wae eof iene galenis days afb We geen ac St AE tend ABE GHaNRS aM the AMAT pass ere i =) fhe gosmde smnant si sch PRPS YES “ktetantt Hanser defame by fot a Bs pay ie aX any teenslsly pe ee ies Lande Bi, eee Kentied by rigulitiond of a Sacoentey in she quee OF passant desitells, 2 {uloe: comedian 8 ne DF Rte prteiped tak 2 mrusaing. so lf socrusd ssizreat, Lotahee ms 2+ GOL Os exes i88 shies option igh seni ge tpt i the et nf my aN a t mu Tony péeumetmnes Nagano Seat hy tie Toaster wil nie Leeter’s sigh asin agin: sae ef paynsnat AER. 4 is Nee BES CE es c wivcbatian whe ck peosaitind ay HERE cegniatiaw Seas Rake Se “Seuermaey” sens toe Beeb 7 af Bonstig as Rehan Tewilapenet oe kez Oc NSE APNE, (C) Pavntent af Costs ass Expenses Ae Lender tex royuined lane Raye: f 2 AU, ae distri abaw pekee regains Rearawar by gay eee ant epee incisding reasonably seit vostisinuy atlasineys’ Tees Ror Galuscingthés Mave te fhe. rent nor peotdtaent Ly apnheabe tye Sic GS ead Ke stan bea ingteesy from the dake oP Sides Se ME Sn GS eh ‘peisnipal of abis NOK, 1% WARTERS Reempwar om: sy OS PRCA WHE Nos ASRRIIDS BUOY shia civ Bie Tights A preeouetest sat BOGE OE AOR Saige st TRAE WS dees Laaidee b> Garment poayeaeNe AP oD rts Sie, Mosca cif dishonor msang es Tight te enguine Laneive 6c give sishien dis inhes peste thus aeiaaDIs Mis Kaye Git. bean S4ALSING OF NOES feat any dagen 9 Ati eekthed, Sey osfies shat ceasehe given parcawer wnites shy Aehe oo he Bees by antivonmig ey mang A re eae Us Berm af the progeny adldresse ubcoreGe at daflenant aibinass oF Rascoues inne jivbh Lanes g pauonof Raerowery dittaren adler “Ay nous that mae Ne FORM IG oats ander Bis Sipe WaT be gio fy Fics cts teasil bs Londfed St thas nafeens Sts Becausiioh AUR) Ub at. absteess wks HF Rormves 32 pte aomauice of thar een RDS, 2 ORE AGATEONS GHHERGONS UNDE TIS NOTE 3 ins aus pecs Signs Sia Nowe, cach: peesion ix A al peesy abigail & athe mies msds 1 Tate Sune tentang fos prone, Dy ay (he Rul Seaman ewer: Any Sem fee A guaranior, Srey 3 eaHlarsr cd this Nate ts ate, so Gu was shige. Auy pousn who Sikes Ove: thew opligmiong & ding oy Ch sgartios NF REWANTRC YUE CE esha ab this News, 38 aise obligated wo ken ‘Gye pristine rage 1 OMe Noid, Laiehss may canbe i KE RAG shis Nowe AGSOTERT mC i seal ce oyricens al dgaatnisiow tReet, sere priya digtdng shis Mow tay fe saquiced Se pay Got dhe amewnns eves cinder Thee Neto. BY SUGNING BELOW, Borner acnpm atl agreas 9 dhe wang and Loverants ceamtpinel by thie News. we we fe Af 3 é rad dann ahd #4 A i af S Gr pol isis os 2a} wapwet te sai ON 8h Aspheien Sane ‘ois 2Neald Sgr ecrmpiene ee, iseate Shascomone Heoene Gen Sieal Sari Seerowace Pay TO THE URDEN BF HELLS Panag HOME MDRTOARE: “YRS! “ ati St serenr mepnugne: THIS 21st GAY OF November ‘#303 16 sage2 ot y davinae. BaNt es é ae Lhe oe i gusers petty PATRICES Tien So. 8. LIE we on8 sea aefe 8, SIOEEREOR SN HENAN we fare fans Age MOR SANE ASE, SE we 2 —<%, Hn » SPARC AGATRAE: INE. SAAELESS sh \s i ye of pe Ce s thesiocny Coan Chasusiseton sae pea vp kD Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Bé wirnour RECOURSE PAY TO THE ORDEROF WELLS FARGO BANK, NLA. SUCCESSOR BY MERGER WITH WELLS FARGO MEME MORTGAGE, ING DAN CRETER: , SENIOR VIGE PRESIDENT Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Bé Exhibit B Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B6 nl it AN instrument Number: 201702060017837 Recorded Date: 02/06/2017 10:52:59 AM Danie! 3. O'Connor Jr. Franklin County Recorder 373 South High Street, 18° Floor Columbus, OH 43215 (614) 525-3930 http://Recorder.FranklinCountyGhio.gov Recarder@FranklinCountyOhio.gov Transaction Number: Document Type: MOD OF MORTGAGE Document Page Count: 10 Submitted By: Return To: First American Title Insurance Company First American Title insurance Company Simpitite Simmpiitile First Grantor: First Grantee: RACHELL JOHNSON, fi WELLS FARGO BANK NA Recording Fees: Instrument Number: 201702060017837 Document Recording Fee: $28.00 Recorded Date: 02/06/2047 10:52:59 AM Additional Pages Fee: $64.00 Marginal Reference Fee: $4.00 Total Fees: $96.00 Amount Paid: $96.00 Amount Due: $0.00 OFFICIAL RECORDING COVER PAGE DO NOT DETACH THIS PAGE IS NOW PART OF THIS RECORDED DOCUMENT NOTE: If the document data differs from this cover sheet, please first check the document on our website to ensure it has been corrected. The document data always supersedes the cover page. {fan error on the cover sheet appears on our website after review please fet our office know. COVER PAGE DOES NOT INCLUDE ALL DATA, PLEASE SEE INDEX AND DOCUMENT FOR ANY ADDITIONAL INFORMATION, Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B6 FRANKLIN COUNTY, OH Recorded: S20G17 10.5289 4M Instrumanta 20172226001 7837 Faye aft . ‘Dhis Cncurenc Prapared By: BRENT WATKINS WELLS FARGO RANK, NAL 3476 STATEVIEW SLVR, MACH NIBOL-ASK FORT MULL SC 2971S ROD) 41 1STZ When Recorded Mail To: FIRST AMERICAN TITLE CO. DTG ~ MARL STOR B28 S FIRST AMERICAN WAY SANTA ANA, CA S2707.9991 TariPareel & VOWED Space Above This Line for Reonrding Data] ese Griginal Priscipal Amount? $88,842.60 avester Loat Nad Gapald Peiisijtal Amosint: $68,905,59 Laan Not (sean barcude) New Principal Armonk $50,228.42 Total Cap Amannts 80.00 HOME AFFORDABLE MODIFICATION AGREEMENT (MORTGAGE) Exeanted on this day: DECRMBER 28, 2016 Regrower (4°! RACHEL LIQHNSOR TAKA FACRRE L JOHNSON, SINGLE Sonrawer Maiing Address: 479 RILLPONIA AVENUE, COLUMBUS, OHNE 43323 Leader or Servicer (*Lendts”): WELLE FARGO BANK, SA, Leander ot Servings Addlessa: 476 STAPEVIEW BEVD, MACH N7ROLOIR, FORT MELE, RE 2971S Date of Risc ties siertesye, deed of trust, ue security deed OMorigage') NOVEMBER 21, 2003 end the Mists Note") date of NOVEMBER 24, Property Address Property") 479 HELETONLA AVENUE, COLUMBUS OHIO 43223 ‘Lagal Deeeription: Wells Fargo Cedars PHS She SAincide MOLECAON A MER HEAT ut 8, tape a Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Be SRANKUN COUNTY, OF Recotded: SGC? 108R89 4M Inatrumant # AOT7RERSNO TART Page Sart MEING LOT NUMBER THIRTEEN {33} IN BLOCK NUMBER ONK (1, IN HELIONIA AND ABRITION, AS THE SAME IS NUMBERED AND DELINEATED OPON THE RECORDED PLAT TREREOF, OF RECORD IN PLAT BOOK 24, PACK 22, RECORDER'S OFFICE, PRANKLIN SORESTY, OUD, Sear lasteament refercs Receedednet DECRMBER 2, 2003 in INSTRUMENT NO, 2ORM12028382521, of the Ofticiad Records uf FRANKLIN COUNTY, O81} FHA Rowe Abedable Modification Ageseuent OAgesmen™} is made on DECEMBER 23, 2016 by sid Dennen Borrower, as abtigan(s), ar as title hulden’x} to the Property, as the content may regjtina, and ‘Latnion Bornuver’s obligations under the Note ans secured by a pecnerly rexonded Mortgagy, dated the same. date as the Note encumbering the Property. Roreawor agrees that, vacest as xxpeesxly modified in this Agreament The Nos aos the Mongage romain ir full force sind eer and ade valid, binding odligadians upon Borrower, except as discharged in Bankruptcy, aad are properly secured by the Property, Nothing in this Agreement shall be understood or construed to be @ satistaction or release, in whole of ix patt of the Sorpucr's obsigaions under the Lous Documents. ieny eepevsentations in Section 1, Bormawer Represematicns, canfinut to he tour bt all material nespece, Gen this Agreement will, sa set forth ix Sections 3, aimend and supplement (1) Ue Mortgage on the Property,and Oy the Note secured ky the Mongage. ‘The Mocgage and Note together, as thoy mise proviously have deen amended, acs referred 20 8 the “Los Documents.” Capitalized sermiy used fn hls Agresmaent snd nae doting’ have the mensing givento them i the Loan Dacuments f Rurrovier Representations, i sertify, mpresint to Lander andl agree: A 3 am experiencing @ financial hardship, and ay 3 ronult () Lane fn default usder ge corms of the van Documents, and. {iQ Teds not have snifielent ineame or avonse bs safficient Liquid asxers [ss mabe the monthly morgage psyminis mew or ie dhe near fitires { dt nat Infertionally or rpoxelutly default on the teres of the Loss Documents in arder to obtain a loan medification; tcertify the Froperty is not condemned and is not vacant withaws the intent te recom; Trave has foen nd imparnissidte change in thee ouneeship: af che Property shee 1 signed the Lown Rocuments: DR Lkave provided documentations Yor all ineanse that Tneanive tand F andintand that Yam not aquired fw disclose child support ov alicsony wales Fohos to nly an such incase whi cequasting ty qualify fer the PUA Home Affordable Modification Programs (Prograt"Ik B Eee penalty cf pedory, all doconrente and information # havs provided be Lender io commsetion with this Agreement, including the document and infsrmation regarding my eligibility fer the ‘Pragramn, are ere and correck Re BE Lenddye requires raeYo alten reddit counseling in connection with the Program, Fill do sig and, ‘Winks Fargo iaean HUA Rome AdtuaEANG Moiaation Agente TDGBE Reged a Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Be SRANKUN COUNTY, OF Recorded: SWORE? 410.589 4M Inatrumant # AO 7RARSNOT TART Page dah & Acknowledgement and Preconditions to Medification. Tonceratand apd acknowledge that: A. i prior w the Modification Eifective Date as set forth in Section $ the Leader determines thet ay ry miations in Section { are as jonger tue and correct, the Lome Destments wil not be amivili fied and this Agewement Uti ieembnts. tn dhis evnnt, the Louder will have all af ehe rights and semeidies provided by the Loan Dacumenty; and a. Usnilecsisnd Ghat ths Loss Dexumente vill aot be modified unless sid aati (2) L nsceivs frow the Lemiat a copy of this Ageceonent xigned by the Lendes, and (ii) the Moditicatin EXgeive Dore (as defmed in Section 3) has occured, f fsnber understand and thas the Lense will not be ‘abligatsd of Sound2 make any modification of the Loan Documents if] fail to moet say oneaf the neqdineminnss antdee this Agreement, g. it included, the wsdersigned herrawse(s) acknowledges reavipt and sceeptancy of the Notice of Special Feel Hazard disclomes 2 ‘The Madification. if my sepeusentitions in Section | continu 4 be orue dn olf msterist respects ard al} precomafidions to the modification set forth in Section 2 have been mes, tie Loan Documents will automatically become modified on MARCH [, 2017 {the “Modification Eéfective ete") and all ampaid iste charges that remain dinpald will be waived, # understand that if Lhave fallod te make all taquived payments #9 9 precondition this xdificatin vades 6 warioset plan or tint period gisn. the Leader has the ij Wo Fefeee Ris Agreement evan if L have xigned end raunyed shis Apremment. The fies murlfed payment will be slay on MARCR §, 2037. A. The new Maturisy Date will be FEBRUARY 1 2647. B. The modified principal balance of my Note sill inctude arscunis and amrsirager that will ke gast due as of the Modification Effective Dave. This shoes wat instadle unpaid Iae@ charges, valuation, propesty preservation asd orber changes aor pennitted under the tems of dhe PHA Nome Aflaedable: Moditication Program, Parmittsd amounts and srreaniges muy inclede uipaid and deferred interest, fer, carmat advances and other sosts fevs any amounts paid ox the Lender bot mat peeviously rodised te mi Logs; collectively “Unpaid Amounts‘ the portion of Unpaid Amounts capitalined és. SOHN. The new principal balance of sy Nowe wilt he SSOMIRRE (the “New Principal Balanae") which includes dhe eapiislined Unpaid Amasnes, tumbsesignd that by agreeing io add dhe Unpaid Armies (@ the outstanding primipal baisare, she added Lingpald Amounts acorue interest beed on tha intecest rate in effect unser this Agreensent, F also understnad slat this moans faterest well now Soiries on ths ueypald Raverest that is added te the outstanding principal featmce, which would oat appen witheut this Agsestnenn 6. With the modiflnstion you will have a tal partied claim cue af 8202028, which lecladss B1R.264.73 that has bern reduced Show the Uepaid Principal Balance & reach the New Principal ‘Balance above. This Agreement is cunditiosal gn dw proper exceurlon and recsnfing of this HUET Fssint Chae, ‘ate Farge taoteen PMA Hone Astaatae Modification Awsenneat FERRE8, Pagan d a Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Be PRANKUN COUNTY, OF Recorded: SHOGRET 10.589 4B Inatrumant# AOU7RERSNOT TART Page Soft rarest ab the rate af 3.8280%% will begin to accrue ae the Imbensss Bearing Principal Balanceax of FRERUARY 1, 2087 snd the fot new monly payment on the fowrest Bearing Priscipal Bahace: will he dus on MARCH 1, 2617, Inset due on each monthly payment will be ealculated by uitiplying the New Principalictorest Bearing Principat Balance and the datevest rake in effal at the time af calculation and dividing sit rest by resive (2) My payineut aakedule fF he ‘modified Loan is as follows: Satis Tateread ae Tatereat Rate ‘Meuthiy Primtipat Meanie “Toad Ramet Change Date and intereet Payment Beene BagOe ayREE Aovauat® a Te i OTF ERA? $138.33 BR acs OTT | Safer your modification iy ounuplete, cuerow prymontte adit at loret armealiy in accordance with applicaliis law therefore, the total menthly payment may aecoretingty. ‘The above forms shall supersede say provisions 6 the contrary in the Loan Rocumsats, inching. ‘bul yet limited tn, provisions for sn adjusishleor step interest rate. } understand that, if ¥ have 2 pay optian adjustable race mangegs loam, upon modification, the aiinimem monthly payment option, the interestanly se any other payment options will ne longerde offered. and tat the wonthly payminds described in the above peyment schedule for my medified fogs will be the minimum payment thet will be Mux cach month for the remaining ter of the fean. My modified foun will not have a negstive ammertization feaness that woke Alisw me bo pay leas than the interest due yerulting in any unpaid intemst to be sbdad to the outstanding principal Twill be tn defauk if f do nae comply seith thicterms of Hie Lom Dooumems, as modified by thie Agena, e Af 3 default sans of intrest is permitted inder she Loan Doctrments, then ia the evaet af dedeust under the Loan Oreumenti, af amended, the interest that will ine chue wilt fee the rate set forth, 4 Additional Agéssmants, Fageaetothe following? A. That sll persons who signed the Loan Docutnanis or their authorieed repreeentativeds) have signed ‘this Agreement, usieas (i) & bormwer or co-borrwer is deceased: {it} the borrower snd coshorrower, are divoreed and the pmpeniy Kas been transferred 10 ene spaise in the divoroe decree, the spouse who no longer hae an intersat ie the gen need not sign thie Agreement talthough the aon signing spouse may continuete beheld [lable for the obligation wader the Loan Documeniay, ar 8} the Lender has waived this teguiesanentis writing, B. ‘That this Agreement gusi} supersedy the thems of arg asadification, firbearmmox, Tal Rovio’ Pac ‘af Mortgage Assisiamen that? previounly entered inte with Lender. ‘weals Farge Satan ENA Hone AMeoalshis Moddeaaicn A gored HLEBUE4a Raps a Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - Be PRANKUN OOUNTY, OH Reconted: SWOGRUT JORG 4B Instrument# NTRS TSS? Baye sant LW comply, xeoent ta the ssxtent that they are mnadifid by’ this Agremnent, wit all comenuesis, agreemnonis, sad requirements af Loan Qhoamensys including my agesomest te inake al payment of axes, imeence preniums, saacsemems, Escow Tems, impounds, and aff otter payments, the smictiat af whiok may change peclodiasily eure the teen of ay Laan, ‘FNak this Ajgtement ounstituies notice that dhe Lenders waiver ax pi pryment of Excrow leans, if gy, has hove revekisd and F hawe hows advisol of the ampurd mended ts Ailly fad my sree aésount. Ramik for Escrow fees, 2 will pay os Lender an the day paywenis are due under the Lear: Dacumenta 6 amended by shis Agreement, seal the Loan & paid in TY, a sum the “Pande} ie provide for payment of amounts due for {a} nates And aadesements and otber ikgns which ote stain, pelority ewer the Morgags aa 8 figs o noembrance on the Property; (8) leasehold poymere or ground yeas on the Prsguty, if anys (ey premiums Ge any and af tienes eaquinsl hy femdee under the Lose Documents; (2) morgage insurance prteiums, ary, OF ay SUMS RAYSEIE LO Lander ine fee of the payment af morgage insursnce premiums in aconsdance wih the Loan. Tieusrieets; and (ek ay comPANAHIEY assacistion dies, fees, nT ANmLAsMRENTS thal Lander NAQUIRS i De etesownd. Tikse items axe stiod “Rsneww Env, Talal paneinddy Aumiah to Lander all nology: ve’ gmnowitsto be paid under thiz action, I shall pay Lenser the Funds er Eecrow. tteme untess Lecter seaivgs my obligation to pay the Funds for angar all Ron ftemss. Lander may seta my’ alsigation22 gay te Lander Binds br sey o alt Eset Heme st any tins. Any such waives may only be ie waning, tr dig eet af atch waiver, L ehall pay directly, whew and where payable, the -asrcisnis due toe any Escrow Lemus for which payment of Rundshas boon salad hy Lander and. if ‘Lendit requires, isl! farkish te Leader tooeins evidenning seh sayment within auch time peviod ae Lendue say reguirs, My obligation to make nach payments and to peovide meeige shall forall purpares be dromed to be # cavenant anid agreement contained ie the Loak Rocuments, af the phrase Ssoveriont and agtpemient” Is udnd in the Laan Doclments, 101 ser obligated to pay Escrow Fema dicey, sunsaant to «waiver, and [ASE Yo pay the amatas dae for ae Foro ie, Landay may wenreise its cighia under the Laas Lewments ane shis Agreement and pay stich amour acta Y shad then be-obligansd te yepay ie Lender gay auch amount. Lender stay revoke the sitlver ae. to: Seep ot all Eero Thamis at any time by 2 Botion given is spourdanse with the Loan Document, and, ‘upon auch rewcsation, Tahal! pay @ Larderall Fins, and in nish amiounas. that are ther mquited vurideg this section. Lanier nag &t any tin, oallaet and hotel Ponds fe a aehatiot. fa} su Aistont br pene Lander os apaly she Pandy as the time specified andar die Real Bitais Sottiemont Procaduney ct RESP}, and {b} not Je sxcosd the maximum amoket a lypaier ate regulee under RESPA, Lander shelf eetimate the aingung af Funds. due sie the tosis Qf surname dats sng: seasarabte ‘estimates at stpendinures at fawee Recrow Items or ofherwixe jn. svcordanne wit ayplinadle law. “Phe Funds ahsii be geil fy an inatisitinn whose daposita aw iesured py 8 felletal agency, ‘ieremenadliy, ar satity (inshating Linder, Hf Lendtr ivan inetingion whose depsits act or nding} ct ir sey Federal Hams Loan flank, Latder shalt apply he Runds te pay dhe Eecrowy tee fa fator than the toe specitied under RESP, Leni shall nat charge me fer holding ana! appising, der Funss, annually amnlyaing she esccew account, of verifying aks. Escrow: Henn, unbes Lense: pays me inferent ae the Faands and applicable few poset Lender 1 she wack & chaige, Unless 90 -agesonent is angle bs writing or applitabhs fa regalees heared 1 -be paid as the Funds, Lander all no be to 26 PAY ME MNY interent we eamMisge vee He Ponda Lender sind. (oan sgrecdis writing, hownver, chat interent xhsll be gaid ae the Funds. Conder etal provide ig, withont charges, abbas Fagg Chena: HALA Nisan Athashte Moxdiancion Agente HESS Page 8 Franklin County Ohio Clerk of Courts of the Common Pleas- 2024 Apr 10 12:25 PM-24CV002924 0G803 - B7 PRANKUN QOUNTY, OH Reconted: SO