CAUSE NO.

01 7-293038-17

JAMES MICHAEL GREGSTON $ IN THE DISTRICT COURT

Plaintiff $
$
VS $ TARRANT COUNTY, TEXAS
$
FAY SERViCING, LLC $
Defendant $ 17TH JUDICIAL DISTRICT

DEFENDANTS/INTERVENOR'S MOTION FOR COMPLETE SUMMARY JUDGMENT

TO THE HONORABLE JUDGE OF THIS COURT:

COME NOW, Defendant/Intervenor, Wilmington Trust N.A. as Trustee for MFRA Trust

2014-l (ooTrustee", 'oDefendant", or "Intervenor") and Defendant Fay Servicing, LLC ("Fay" or

'oDefendant") (collectively "Defendants") and file the following Motion for Summary Judgment

against all claims of Plaintiff James Michael Gregston ("Plaintiff') and on Trustee's Petition in

Intervention for a Judgment Authorizing Foreclosure and would respectfully show as follows:

INTRODUCTIOI{ AND F'ACTIJAL BACKGROUND

1. Plaintiff has filed this his most recent lawsuit to stall foreclosure despite the fact

that he does not deny being in default on his contractual payment obligations under a Texas

Home Equity Loan. Amazingly, Plaintiff is past due for the January l,2010loan payment and

all subsequent loan payments.

2. On or about March 4, 2002, Plaintiff executed a $208,000.00 Promissory Note

(the "Note") in favor of original lender Option One Mortgage Corporation ("Option One"). See

Exhibit 1-4. On the same date, Plaintiff executed a deed of trust (the "Deed of Trust")

establishing a first lien on the Property. See Exhibit 1-8. The Deed of Trust memorialized that

real property was to serve as first lien collateral. That real property collateral located at 2703

Newcastle Dr., Grapevine, Texas 7605I-4733 is described as:

2017 019 4.2017 0607 /2904t 1 t.l

 BEING LOT L1, BLOCK 4 OF CANTERBURY VILLAGE, AN ADDITTON TO
THE CITY OF GRAPEVINEO TARRANT COUNTYO TEXAS, ACCORDING TO
THE PLAT THEREOF RECORDED IN CABINET 388-50, SLIDE 7l,n PLAT
RECORDS, TARRANT COUNTY, TEXAS

(the "Propefty"). Ia.

3. As part of the closing documents, Plaintiff signed a Texas Home Equity Affidavit

in which he acknowledged under oath that the loan complied with all applicable provisions of the

Texas Constitution of which he now attempts to complain. See Exhibit 1-C.

4. Also as part of the closing documents, Plaintiff signed a Notice Concerning

Extension of Credit in which he acknowledged timely receiving the required Texas Home Equity

disclosures. See Exhibit 1-D.

5. On or about August 29, 2013, Option One assigned the Deed of Trust to JPMC

Specialty Mortgage, LLC FKA V/M Specialty Mortgage,LLC ("JPMC"). See Exhibit 1-8.

6, On or about August 22,2016, JPMC assigned the Deed of Trust to Trustee. See

Exhibit 1-F.

7. On or about }i/;ay 21,2013, while Plaintiff was in default on his payment

obligations under the Note, Notice of Default was sent to Plaintiff informing of him of his

payment defaults and the amount required to cure his contractual payment obligations. See

Exhibit 1-G. Plaintiff has remained in default on their payment obligations since that time. See

Exhibit 1.

8. On or about February 24,2014, Notice of Acceleration was sent to Plaintiff. See

Exhibit 1-H.

9. Trustee is the curent mortgagee for the subject loan. Fay is the current Mortgage

Servicer and Attorney-in-Fact for Trustee. See Exhibits 1-E and 1-F . Plaintiff remains in default

on his payment obligations under the Note and is past due for the January 1, 2010 payment and

201.7 019 4.2017 0 607 /290 41 1 1,1 2

all subsequent payments. Id, The amount due under the subject loan as of April 6,2018 is or will

be 5445,235.82, and per diem interest continues to accrue in the amount of $49.33 per day. See

Exhibit 1-J.

10. Plaintiff has asserted a variety of claims seeking to avoid his contractual

obligations under the subject loan including a claim that the morlgage violates certain provisions

of the Texas Constitution and that enforcement of the loan is precluded by the statute of

limitations. As will be shown, these slaims fail under both no-evidence and traditional standards

for motion for summary judgment and Trustee is entitled to judgment authorizing it to foreclose

on the subject collateral.

SUMMARY JUDGMENT EVIDENCE

Defendants attach the following summary judgment evidence which is incorporated

herein by reference.

Exhibit 1 Affidavit of Fay as Attorney in Fact and Mortgage Servicer for Trustee.

Exhibit 1-A Promissory Note dated March 4,2002

Exhibit 1-B Security Instrument dated March 4,2002

Exhibit 1-C Home Equity Affidavit signed by Plaintiff

Exhibit 1-D Notice of Extension of Credit signed by Plaintiff

Exhibit l-E Assignment to JPMC

Exhibit l-F Assignment to Trustee

Exhibit 1-G Notice of Default dated May 21,20t3

Exhibit l-H Notice of Acceleration dated February 24,2014

Exhibit 1-I Reinstatement Quote

Exhibit 1-J Payoff Quote

20 17 0 19 4.201 70 607 /29 0 41 1 1. 1 J

 Exhibit 2 Non-Military Affidavit

Exhibit 3 Affidavit of Michael F. Hord Jr.

Exhibit 3-A Cure Letter

STANDARD OF REYIEW

Trødítional Motíon for S ummøry Juclgment

1 1. Summary judgment is appropriate when the record discloses that "there is no

genuine issue as to any material fact and the moving party is entitled to a judgment as a matter of

law . . . ." TEX. R. Crv. P. i66a(c). The purpose of summary judgment is to provide a speedy

means for the disposition of controversies and/or issues that do not present fact issues. See New

Jersey Bank, N,A. v. Knuckley,637 S.V/.2 d g20, g2I-22 (Tex. 1982). A defendant moving
for summary judgment must either (1) disprove at least one essential element of the plaintiff s

causes o.f action as a matter of law or (2) plead and conclusively establish

each essential element of an afÍirmative defense. See Doe v. Boys Clt¿bs of Greater Dallas,

lnc.,907 S.W.2d 472, 476-77 (Tex. 1995). Once a movant establishes its right to summary

judgment, the burden shifts to the non-movant to respond to the motion for summary judgment

and present to the trial court any issues that would preclude summary judgment. City of Houston

v. Clear Creek Basin Authority, 589 S.W.2d 671,678 (Tex. 1979).

No-Evidence S ummøry Judgment

12. Additionally, Rule l66a(i) of the Texas Rules of Civil Procedure permits a party

to move for summary judgment on the ground that there is no evidence to support one or mote

essential elements of a claim on which the adverse party would have the burden of proof at trial.

As to such a oono evidence" summary judgment motion, "lt]he court must grant the motion unless

the respondent produces summary judgment evidence raising a genuine issue of material fact,"

2017 0194.2017 06t7 129041 1 1.1 4

Tex. R. Clv, P. I66a(í); Jaclcson v. Fiesta Mart, Inc., 979 S.V/.2d 68,70 (Tex. App.- Austin

1998, no writ). Unlike a movant for traditional summary ìudgment, a movant for a no-evidence

summary judgment does not bear the burden of establishing a right to judgment by proving each

claim or defense. See McCombs v, Children's Med. Ctr,, 7 S.W.3d 256, 258 (Tex. App.-

Texarkana 1999, no writ); Greenv. Brantley, 11 S,W,3d259,262 (Tex. App.-Fort V/orth 1999,

writ denied). A no-evidence summary judgment is essentially a pretrial directed verdict, to

which the same legal sufficiency standard of review is applied. See Fiesta Mart, Inc., 979

S.W.2d at 70. The present matter is set for trial on the one week docket beginning April 16,

2018, and this matter is therefore ripe for both a traditional and no-evidence summary judgment.

ARGUMENT AN.D AUTHORITIES

A. Plaintiffs Allegation that Foreclosure is Precluded by the Statute of

Limitations Fails.

13. Plaintiff contends, without evidence, that the payment obligations under the

subject mortgage were accelerated on January 1,2010 and that foreclosure is precluded by the

four year statute of limitations applicable to foreclosure commencing on an unspecified

acceleration date. Plaintiff fails to address the faot that even if the payment obligations were

accelerated in 2010, acceleration of the payment obligations were legally abandoned within the

four year period following the alleged acceleration date when Trustee sent a new notice of

default allowing borrower to reinstate the loan upon payment of the arrearages. See Exhibit 1-G.

As established by Defendants, any acceleration of the loan in 2010 was abandoned onMay 2I,

2013 when a Notice of Default was sent to Plaintiff by which he was afforded the opportunity to

pay the then reinstatement amount. See Exhibit 1-G; See NSZ Prop. Holdings, LLC v.

Nationstør Mortg.,IZC, No. 02-16-00397-CV,2017 WL 3526354, at *2 (Tex. App. Aug. 17,

2017),review denied (Jan. 5,2018); see also Grahamv, LNV Corp., No. 03-16-00235-CV,2016

2017 019 4.2017 0607 /29041 1 1.1 5

WL 6407306, at *3 (Tex. App. Oct. 26,2016), review denied (Feb. 10, 2017); Boren v. U.S. Nat,

Bank Ass'n,807 F.3d 99, 106 (5th Cir. 2015) ("lender waives its earlier acceleration when it

'put[s] the debtor on notice of its abandonment ... by requesting payment on less than the full

amount of the loan."') (quoting Leonardv, Ocwen Loan Servicing, L.L.C.,616 F. App'x 677,680

(5th Cir. 2015) (per curiam).

14. It has been the law of Texas since 1901 that the parties can abandon acceleration

and restore the contract to its original terms by the parties' agreement or actions. San Antonio

Real-Estøte, Bldg. Ass'n v. Stewart, g4 Tex.44I,6I S.V/. 386, 388 (1901). Abandoning

acceleration before the limitations period expires restores the contract to its original condition,

including the note's original maturity date. Khanv. GBAK Props, Inc.,37l S.V/.3d 347,353

(Tex. App.-Houston [1't Dist.] 2012, no pet.); Holy Cross,44 S,V/.3d at 567; Clawson v. GMAC

Mortg., LLC, 2013 WL 1948128, at *3 (S.D.Tex. May 9,2013), Thus, if a noteholder abandons

acceleration, it no ionger must foreclose or sue to foreclose within four years from the date of

acceleration.

15. Hete, Plaintiff contends that the payment obligations under the Note were

accelerated on or about January 1,2010. The 2013 Notice of Default sent to Plaintiff constituted

abandonment of acceleration and restored the original maturity date under the Note. See Exhibit

1-C. Therefore even though there is no evidence to support Plaintiffls statute of limitations

claim or defense even if his allegations were accepted as evidence, such claim fails since any

2010 acceleration of the loan was abandoned as a matter of law.

2017 0t94,20t7 0607 /29041 1 1.1 6

 B Plaintiffs Claims Based on Alleged Home Equity Violations Fail as a Matter
of Law, Including Plaintiff s Claims for Breach of Contract, Quiet Title and
Declaratory Relief.

16. Plaintiff has alleged three violations of the provisions of the Texas Constitution

relating to home equity lending despite executing a sworn affidavit acknowledging that the Loan

was in compliance with all such provisions and despite having executed other specific
documents that directly negate his claims. The violations alleged by Plaintiff are:

(Ð The amount flrnanced exceeded the 3o/o cap on certain closing costs (Tex.
Const. art XVI, $ 50(aX6XE));

(iÐ The loan must not have closed before 12 days after the original loan
application was submitted to the lender or before 12 days after the
borrower received notice that the loan was governed by the Texas
Constitution (Tex. Const. art XVI, $ 50(aX6XMXi));

(iiÐ The loan must have provided that borrowers would receive a copy of the
final loan application and all executed documents at closing (Tex. Const.
art XVI, $ 50(aX6XÐ(v));

See Plaintiff s First Am. Petition at !f16 filed on September 18,2017,

17. First, Plaintiff has not and cannot come forward with any evidence to support any

of the three alleged violations alleged above in (i) through (iii); therefore Defendants are entitled

to summary judgment based on no evidence grounds.

18. Second, if necessary, Plaintiffs claims otherwise fail because any attempted

evidence by Plaintiff of the alleged violations would controvert his sworn Texas Home Equity

Affidavit and Agreement and in some cases specific disclosures that directly refute Plaintiffs

claim. As such Defendants' summary judgment evidence directly negated Plaintiff s claim that

the subject constitutional violations occuffed. See Exhibit 1-C.

2017 0 19 4.2017 0607 /29 0 41 I 1.1 7

 19. For example, contrary to PlaintifPs allegations he signed a Notice Concerning

Extension of Credit confirming that he received the required disclosures well prior to the

March 4,2002 closing date of the Loan. See Exhibit 1-D,

20. Further, if necessary, as it relates to the alleged violation (i) relating to closing

costs, Trustee has cured any potential violation by refunding an amount suffrcient to cover any

potential overage in closing costs within 60 days of the first notice of the alleged violationl. See

Exhibit 3-4.

2t, V/ith respect to Plaintiffls allegations of a violation under (iii) as referenced

above, the Texas Constitution did not include the requirement alleged in Plaintiff s Petition until

2007. See Tex. Const. art. XVI, $ 50, 50(a)(6XQXv) (amended 2007). The loan at issue was

closed in2002. See Exhibit 1'4. Regardless, Plaintiff acknowledged in a sworn affidavit that he

received all documents signed by him at closing. See Exhibit 1-C.

22. As such, and even ignoring that all such claims fail under no-evidence standards,

all of Plaintiffls allegations regarding the Texas Constitution or Home Equity Lending have been

negated as a matter of law, therefore his claims for breach of contract, quiet title and declaratory

relief, all of which are predicated upon non-existent violations, fail as a matter of law.

C. Trustee is Entitled to an Order Authorizing Foreclosure.

23. Paragraphs 1-9 are incorporated herein by reference. Trustee is entitled to an

order authorizing foreclosure on the Property and declaratory relief authorizing it to conduct a

non-judicial sale on the Property. Trustee has established its standing to foreclose via the

Assignments and by virtue of its status as holder and owner of the Note. See Exhibits 1, 1-4, 1-

B, l'E and 1-F. Trustee is the mortgagee as defined by Texas Property Code $51 .0001(4). Id.

Trustee timely tendered a cure of this alleged violation to Plaintiff out of caution and without admitting a
violation even though the law at the time the loan at issue was closed did not count various closing costs
towards lhe 3o/o cap.

2011 0t9 4.2017 0607 /29041 1 l.l 8

 24. Trustee is entitled to foreclose on the Property since Plaintiff defaulted on his

contractual payment obligations under the Note, remain in default, and Trustee has complied

with all prerequisites to the right to foreclose. The summary judgment evidence establishes that:

(a) a debt exists (see Exhibits 1, 1-A and 1-B);

(b) the debt is secured by a lien created under Tex. Const. ar1. XVI, $50a(6)

for a home equity loan (Exhibits 1-4, 1-8, 1-C);

(c) a default under the Deed of Trust exists (Exhibit 1);

(d) the requisite notices to cure the default under the Deed of Trust, Tex. Prop.

Code $51.002 and other applicable law have been provided (see Exhibits

1, and 1-G); and

(e) Plaintiff is not a member of the National Guard or United States Military

and has not applied for relief under the provisions of the Soldier's and

Sailor's Relief Act of 1940 (see Exhibit 2).

25. Pursuant to the terms and conditions of the Note, the entire unpaid balance under the

Note is now due and payable, and under the terms of the Deed of Trust and applicable law Trustee

is entitled to an order authorizing foreclosure as a matter of law. See Exhibit 1. Plaintiff is not

cur:rently on active duty in any branch of the military. See Exhibit2. Plwntiffs claims have been

negated under both no-evidence and traditional standards for summary judgment and the foregoing

evidence establishes Trustee's rightto an order authorizing foreclosure of the subject Texas Home

Equity lien, See Huston v. tlS. Bank Nat'l Ass'n,988 F.Supp.2d732,740 (S.D.Tex. 2013); Billiter

v. Cent. MortgageCo., No. CIV.A. H-1,4-663,2015 V/L 867443,at*8 (S,D, Tex. Feb, 17,2015),

V/HEREFORE, Defendants pray that the Court grant summary judgment to them as to all

of the allegations asserted against them by Plaintiff, that the Court enter judgment authorizing

20 r't 01e 4.2017 0607 /290 4t 1 1.1. 9

and declaring Trustee's right to foreclose on the Property pursuant to the terms of the Deed of

Trust and Section 51.002 of the Texas Property Code and for such other relief to which

Defendants may show themselves to be entitled.

Respectfully submitted,

HIRSCH & WESTHEIMER, P.C.

By: /s/ Michael F. Hord Jr.

Michael F. Hord Jr.
State Bar No. 00784294
Eric C. Mettenbrink
State Bar No. 24043819
1 4 1 5 Louis iana, 36th Floor

Houston, Texas 77 002-2772

(713)220-9182 Tel
(713) 223-9319 Fax
Email : mlp,fd@h i rschwest. qo..ru
Email : ggu:ttenbrinlc@hirschwest, corq
ATTORNEY F'OR DEFENDANTS

CERTIF'ICATE OF SERVICE

I hereby certify that on this 14th day of March 2018, a true and correct copy of the
foregoing was served as follows:

Robert ooChip" Lane

. Josh Gordon
The Lane Law Firm, PLLC
6200 Savoy Drive, Suite 1150
Houston, TX77036
Via E-Service and Email

/s/ Michael F. Hord Jr.

Michael F. Hord Jr

2017 019 4.2017 0607 129041 11,1 i0

 CAUSE NO. t 1 7 -293038-17

J.¿\.ME$ MICI-IAEL CREGSTON ¡ì

¡) IN THE DISTRICT CÜURT
Piaiutiff ù
¡l
VS $ TI\RRANT COUNTY, TËXAS
$
FAY SERVICING, LLC $
Defendant ñ¡) 1 z'ilt JUDICIAL DIIiTRTCT

A FFI ÐAVIT OF CI{RISTÛT'HAR N,ICBR,4.YER

STATE OF ILLINOIS $
$
CÜUNTY OF CÜOK $

BEFORE ME, the undersigned notilry, on this day personally appeared Ch¡istoplrer
MqBraysl the afÏìrurt, whose identity is pcrsonally knorvn by me. A.fter I adlninistered an oath,
afflrant lestified as foilows: :

1. My nanre is Christon McBravel ,

I am over i 8 yeals of age, of sound mind, and
competeüt to make this sworn statemÉnt. The facts stated in this alfidavit are within nry
personal knorvlcdge and a¡e true and correÇt.

z. I am a Trial and Mediation Spgciålist with Fay servicing, LLC ("F*y"), rhe ouffent
morlgage sei'viçer and attorney in läct for Wilniington Trust, National Association, not in
its individual capacity, but solely as trustee t'or MFR4 Trust20t4-1 ('Trnstce") forthe
Ioan made the basis of the present larvsuit. As such, I am authorized to provide this
nffidavit on bchalf of Fay.

3, Fay maintains a ctmputer database (the "Loan Records") of acts, transactions,

payntents, communications, escrow &ccount activity, disbursements, events, documents,
instruments, and analyses (the "Loaü Transactions"), wÍth respect to the ruoltgage loalls
that Fay services, Entries in the Loan Records are rnade at or near the'time of tlie events
and conditions they describe either by people r.vith first-hand kncwledge of those events
and çonclitions or from infortrration provided by people with such first-hand knowledge.
The Loan Records are maintained in Fay's regular course of br-rsiness, I have acress 10
the Loan Recotds with respect to the loau at issue¡ and I have knowledge of how they are
maintained. Based upon those records, I have gained knowledge of the facts set fortl:
herein and, if called upûn âs a wituess to testify, could anci would competently testify to
those facts undef penalty of perjury. Tlrs infbrmation described herein and referenced
lielow is fbuud in the btrsiness rccords of Fay, .

10 t 701 tr ?0 I 70607/?904 I 58. I

 4. The Loan Records reflecl that Jaures Michacl Cregston ("PlaÍntiff') executed a Texas
Honre Equity Note (the "Note") payable to Option One Mortgage Corporation (¿'Option
Oner'). "4 trus and correct copy of' the original Note as containecl within the Loan
Records is attached hereto as Ëxlribi! L:4,

5, Tlre Loan Records reflect that Plairrtiff executed a Deed of Trust on or about March 4,
2002 (rhe "Deod cf Trust"). A Truc and couect copy of the Deed of Trust fìled as
Instrument No. D202069755 in thc real property records of Tarrant County, Tçxas as
containcd within the Loan Records is attached hercta as Exhibit l:F, The Note, any
modification agreemsnts, if any, and Deed of Trust wiil be cotlectively' relerred to herein
as llle "Loân.t'

6. The Loan Records include a Texas l:lome Equity Affidavit and Agreement executed by
Plaintiff. A trus and correct copy of that Texas l-lome Equity ,A"ffidavit and Agreement
as contained in thç Loan Records ancl as recorcled in the real pr'opertylrecords of Tarrant
County, Texas as Instrurnent No. D202069758 is attachsd hereto as Exhibit_l-C.

7, The Loar¡ Recotds include a Notice Concerning Extension of Crcdit gigned by Plaintiff
on Mat'ch 4, 2t02, A true and conect copy of that Notice Conceming Extension of
Credit as containe d in the Lsan Records is attacired hereto as Exhibit.l,:,D.

8. The Loan Records include an Assignment of Deed of Trust frorr Option One to JPMC
specialty Mortgage, LLC F/l(A wM specialry Mortgåge, LLC f-Jpllc"), A. true and
correct copy of that Assignment as contained within the Loan Records ând as recorcled in
the rcal property records of Tarrant County, Texas as Instrurlent Nb. D213250200 is
attached here{o as Exhibit 1-8,

9. The. Loan Records include arr Assignment of Doed of' Trust ilom JPMC to Tlustee
establishing that Trustee is the currcnt mortgagec fbr the subject loan, A true and aoüect
copy of that AssigntnenT as contained within the Loan Records and as rbcorded in the real
property tecords of Tal'rant County, Texas as InsTrument No. D2i6196912 is âttached
hereto as Exhiþit lrF

t0. The Loan Records reflect that Plaintiff fell behind on his Loan paymenrs aud is in defaulr
on his contractual obligations uncler the Loan. The Loan Records reflect that Plaintiff
was and is past dne for the January l, 20t0 paymÊnt due under.the Loan and all
subsequent payments.

1l. The Loan Records reflect ïlrat while the Plaintiff was in default on his payment
obligatiorrs under the Loan, a Notice of Default \ /ås sent to Plaintiff via certified n:ail on
May 21,2013 to the address or addresses indicated tlrerein. ,4, true and correct cop.y of
the Notise of Default as contained within the.Loan Records is attached hereto as Exhibit
l"s.
12, The Loan Records ref'lect that rvhile thc Plaintiff remainecl in dofaul.t on his payment
obligations undet the Loan, a Notice of Accelelation was sent to Plaintiff via certified

2
20 l70lt.¡.20 t7{}607/?s04 I 58 I
 mail on February 24, 2014 to the address or addresses indicated therein. A trus and
conect copy of the Notice of Acceleration as contained within the Loan Records is
attaohed hçrelo ns Exhibit 1-I-t,

13. The Loan Records reflect that Plaintiff is or will be $198,095,84 in arrr:ars on the Loân as
of ,A'pril 6,2018. A true and correct copy of a Reinstaternent Quote as contained within
the Loan Records is attached hercto as Fxhibit l-I

14, The Loan Records reflect that the accelerated loan balance due under the Loan as of April
6, 2t 18 is ol will
be $445,235.82. Per diem inter'est will continue to accrue af,er Aprii 6,
2018 in thc amount of $49,33 per day until paymerrt, A true and corrsot copy of a Payoff
Quate as contained within the Loan Records is attached hËreto as Exhibir J.:J*

15, The Loan Records reflect thal Trustee has not sold or assigned any interest in the Loan or
Property to any ofher party, No foreclosure sale has yet been conducted by Trustee
relating 1o this Loan.

16. Plaintiff renrains in default on his paym.ent obligations under the Loan and has not
tcndered payment of the past due amounts rêferensed herein which remain due and
owing.
'

IN WITNESS V/HERECIF, I declare under penalty of perjruy pursuant to the laws of the
State of lllinois that the fotegoing is true and correct.

DATED: FAY SE , LLC

By:
Namc:
Title: Tríal & Mediati Snecialist

-,N.j SV/Otu\ AND SUBSCRIBHD To BEFüRE ME on rhis Hl¿:.- day of

. 201 8.

Atlimn futn Jshn*tËÈt otary c the State of Texas

Hetlry lt):10û7ð{åt
lrW cÐF¡ñitli'ñ Ë¡Sirtr:
Apdt u
20fs

3
20t 70t0.1 20t 70607;290,J I 58 I
f

3l7l20l4 3:09:31 PM
a ì THOMAS A, WILDER.

f þdû"ßlrøoz
DISTRICT CLERNI
I
I

nmærcurrNcrts -
C'tr{tm¡e)
!fE¿4Þ 0{? ?OO¡ ìditþo¡¡ d(
P&l f(¡$r $¡ù¡
' ä0r u,rfrF''¡¡ e.' qßrüB,nø. a'?c'!r.-{r!s Mtr¡nUm
En¡lu'
ftrnó¿ldd À4¡rtDr¡urtrr,
l.EfuafÍgtElElRûursÉro"ÀY
g?o¡,¡oo.o¡' { t¡brmffigdt¿
tË
-'t¡f!ÊF¡a
^ lftntrttouth¡¡lùr¡rfD¡turillnF.¡broFyU.s
F ht ,¡td. i¡ lb¡ ¿¡ds ol lLo l¡ndo!, llg IÀ¡¡Èi *
qDì{¡s û!ê t&¡targû aodlcx¡Bþb. pHnm{*
r üo4ütiülåê
¡r¡Co¡gr¡¡ Orlrb¡¡¡l*oaf SorAû¡.mro.ibidod.t;r.ryr-***o n¡" nf mutyrræiU y,U l¡ uüà ti
lq!flr
]trr¡?Ê !údü ü1¡ rlÍoÞ
Nñ ù.¡¡hat ûr Eob.r..
allfrs¡si
. ItdË$ Tlll bÊ ù¡8rd o¡ ro¡¡S prti¡lD¡l u¡01 ùo lhll doir¡l Dflld¡ù4 Þs ù.a rdú. h¡¡rs¡ ¡ii! tc c¡ft¡h¡d n
&cùd!of ! ¡z"lnodryr¡ã¡ ¡ 3fr!ùl' rnoil!, I niD pû int¡¡¡¡¡ a aysätyn¡o¡ l.ioo¡
.
_ .. -_ÍÞhÈE{ûló fi$lüqy ¡¡¡gs6r? btlrcbioturü¡r¡¡daUfm¿¡c¡¡¡r¡qfrtûûûrrdccñÈ{ ¡¡6¡{o¡@}
d t[bl{a¡.

üd¡,
ll{Í o1. zbDl
Irmnàb alFtËs lËc¡tþûùddt
¡ ùblÈE lf. s¡
I!'!lt¡y 0EE|æû!EhbÍ s! t¡dllbE nttt I
ta îf¡urltr þ¡l¿¡ ¡

ß qpE.¡ (trÇ ÍcEEßga

IÞ'Dalb.ðS l¡¡ q, 90084.?0Êr of ¡t I dlflqEflFÈ¡û lfËq¡tr¿ l9 lË ÌùË H¡ldlr: I
(Ð l
rllt âtúinDrofltg {1.tr0.?t l
I
I
û¡ 2{
0¡hq3*¡þ! i
drs drll*llðtll
I
4' ûornÍrsÃßi5 ErtrE?àoußP Y
I
!

5,llyrN
¡¡ Í¡g üE

¡f ûr
bË- tttEl¡¡l¡dilÊ
oF Þy rulùg o úmü pryEí D & Il¡$Éün
lrttþr r¡È lfce
lt3t'qldüL lf,y*ryreir Uryry¡*, Éd ¡ålfu¡ulûtos
or¿*¡rpè
6. mn&ofÎlnf rÁ[fi[ß10 PÀY ¡rs ¡!QP&
(/tù I¡c C!¡t¡ ß,r OËtos FûtAf¡
lf lhr.l{* Ilo¡brh¡@r ßr¡Ê¡rc0 ùof[U ldoe¡t of rysn¡tlypJ|ú¡¡ U tLuaü of 13 cdEùär
&Jt¡lbflù.'d¡en¡rd0q,twm?ryrhEûr¡rrnùcNootút*.¡¡'rffioioc¿¡rtoTltrb.6.0ùo* st
¡y trr.úfJê Wûd ofrrhCp¡¡ ort ht!cü. hát¡v &l¡hr¡ùCc¡rmpü t¡ao¡V¡¡a¡¡tû*ù fúc!¡u.r¡çú.
GlDcÈü
lfliloer FyûÊ ñül rEml of q¡ ¡srùlyp¡tmro üEdnch;¡dùclelühh&Êdt ütqhilcfin¡Il tùc
NclÊtro¡ûGf mt-. Ërcrnt0¡oüËrr¡rÊn4¡lnlþç¡$crbtrlv.ru¡dcmo¡rybodrrf ÈtÞttmuofpri*Sill,tiå
ü¡l Da tË6! Dllit rd ¡! ¡¡Fr¡|t ¡¡d I oÍr U úþ¡ rrouL þf dt¿t v¡lL ¡ry þlhff &r!Ë þlt I mc urlc tÈT llqra o¡ ùc
&rÊltthùrús[.
Gl Bs Wdv*r¡ þrsli¡tld¡¡
rrmrq, rrrüærrhr ¡lnb tddl, &ÊNûlbftt flþÉ Ft rlqdÌrÊEãrcn{yketG¡rllyfu ¡bll ildosq¡Dfi.¡rùüve
ürc l¡¡ lúÉ¡l! ¡l ¡ltcft¡u¡
N¡rË¡lo¡dFtrtllBlllbrr ûc fght ¡a.tb io ¡r¡ ¡n
@, Þfrût of Not! lldiHr S¡*aA D¡¡r¡ç
lf ûc Ndo &teù¡¡ rcgúÊlt au to pg þ¡¡4¡{ ,¡ ñ¡n Ë ü$rtÈû &rii tlro tlu¡tblürwlll t¡rc üro rigr r

L
ts p¡5 ù¡ilû,ly ûo Jbr ú of ¡ú td 0¡!.o¡0s tu fifr.út tt& NoE ro
{d ùr rÍ&¡ ür Füi¡&kd ry lF¡l¡Èútã &r. 1b¡E
c¡!!ú34¡ bd!.hr F !r6n pla. ¡Bodl8 oBof¡lt¡' ftú,

Kiff*r*t*øt'srÈn,@ã r*,.,r**Ëxhibit

EXHIBIT

-
 THOMAS A. WILDER
DISTRICT CLERK
Í
'{ù,"itlorloj¿
dî[ir¡rl nüliÈ rqy fthc tlËt rñÀlt bc g¡larþ lË ìrl!
Gl¡53 mll ¡õ me ü u¡Ê P¡gFly Addæ5s
u¡rúlr hB !ÌC!
¡iB lr¡t !dfuuldnnlf
!È 8|lrf !t
¡ !¡-r¡ rùtNöD
iûsrû.

¡F4tf !rù
on*iL
0l û¡rtr. ri{Ea
¡ítty T¡
|Fl!! olû1or!l¡¿ $tiÛ ûlr¡Ut
oæ lt!üdl düc
$.WâIIIBR*
lù¡¡rniðrt
ûf¡dr¡Í¡s þ rûtFk!$iltlcl!
FarËg8
loûfu

6¡¡9, pÈrL

t0.sMHdfB
."","iffi ,i.Tffi
rütt
îol10*P t¡s p¡s¡rtçt I
##'"wËËHHirffi
ri&to rlii¡.Ìtc_¡c. Tùd'iãÁl'¡uuiæì'i*-novut un¡¡rrtrø¡úrærîLïñ $
ffi to mb'-'-t¡llrryü.¡¡ b [{¡ of ¡ü åüirø til;¡d" ;¿'Woe.¡¡ü l]ir¡ínìrffiñËäqatåã
tr¡¡¡ûr 6ãry
f¡¡oûn¡s

br¡! I¡rrb!
loldtr"

Сl¡úr bbç

rrùù!
etË
BcÞu{
þtt.

sstt

{rdÞ*af

l,|r!¡É

-Dúñl!',

-üffirt

åCFËr
ttr:
Èlrèzofz lûsrrùî&úaú)
çt0rü?tÞt¿r{ú
 048-270965-14
TARRANT
r\ 317120143:O9:31
THOMAS A.
DISTRICT

I
Srate 0f Louisiau

Pa¡ish qf Ouac,hilâ

.ÀÌ,FfflAr/It tF rtlsï rgQre

I, the unilersigned, beiag rluly swoúr\ ståtô 0s follows:

I. IamVi.ccPnsftlentOfJPMoryanChaseB¡nkNadonalAsgircistion('chase)
whq is thÊ setvicsrof the loan iteedribed inpuqgnph 2, be-low. I have0cs€$s
û0

rhç bruiness remrds of clraso andIPiúorg¡u Clrase c\stody

sonricæ¡ Inc.
afrdavit upon ruy rwi$¡/ qf those
oonceming tbat loatr. I ûull3 lhis based
rtcotds;

Z. A NotÊ AeElSlùtzWZ.in the prlnc,tpal aurount of $20&,000.00' witti nn

øid¡al
o¡igin¡l inieúrftto or93,|ä per annuiâ" Pl"fdiug g.rydal monbly
pEørnu
l¡ tlc a¡no;t or s t,7l*.2 t, *as e)rccutcil by Juue$ MichåÊt- Gægplo¡, and _-
offi¡a of ths Cterlt
sec¡¡m6 UyãDeeá m f*sr¿"æ d 3t4l20T¿, ånd rpcorded ln the
ofoou¡toflanantcornçlxlnBook'' *atPage-ora$
Iütnunent no- DZV2Wnssi
,
3.Af|nr¿thoroughandilillgentseæchofthecollatçfalfle¡pc(qiniûgtoFjs'"T'
snd the c¡edir
*nicfr æ n-JiíraUø Ui"lp¡¡otg* Ctnsc Ousnrly Ssrliepç, Inc.,
file na¡n¡¡l¡p¿ Uy ¡l líorguo Chnsr Datrk, Nå' ùc ¡¡fginnl Noæ has ¡iot ¡çl
locãtË4

4. The loss of poee ession ie not the nsult of tbe øiginal

Noæ belng c¡ncelod ø
¡m[sferTed to alother PartY;

5.AtueandoorrectcopyoffheoriginalNoteis¡tù0chedhercto;and

6. Chect otrÊ of the followlng, as applicablc

f.I was e¡rdtled to e¡force the Nota anit the Note was in IP
M;ñ-hsseCuoodySsfflcesInc.'sl¡ossçsglonatthedmeitwælost
or ilætroYeil'

OR

VorlonT-1ß
 048-270965-14 FILED
TARRANTCOUNTY
31712014 3:09:31 PM
THOMAS A. WLDER
DISTRICT CLERK
¡

rJfl JIMC Speci¿lty MongageLlßftlda WM $pcoiqlg MortBtgs I.lC $m

silítlËal io e¡forso thel.Toq ¡ndtleN¡te was faJP Morgs Chaae
Custorlv Seri¡ccs Inc,'s pot$osslón st iheline itwas lst s de*¡oyed; or
irn¿ori.oen dAsE BA¡-{K NA diçc{y or ínrtirectty acqutad
.ùf
ownership of the Nqre ftom a piuson that wæ enütled to erf,ofce tho NotÊ
whcnit was lost,

OR

t1 wss entitled to enforro the Nota aud the Not¡ rfas ln fP

Mo'rgan Chasc Cr¡sbdY Services l¡c,'s possession at thc time it was lost
orilcstoyed; or tlí¡ectly ø indirccülÍ æquired owuersldp of
ürè Note ùom a gcrsob tùât was enÌitted to c¡rforce the Not¿ rvhen it
rvas
loçt.

Name: RosoFair
lïtle Vico Presidcnt

befortmc
this alay ktl ,ay
HETEN P. fUABq NOTARY PUzuC
HORËHOU$E, LOUISIÀNA

,¿,^1¿J / NoøryPublio
LlFEfln/E COMMISS|Oi,t
Nor^ft'lDü40392
i.'i

State of Louisisna
t:

My coaurissÌon cxPíres; Lífttime

Personaflylrno*n
y' Ok
Produ ced identifi sation

I}pe of ideutificatiou Ptoduced:

VG¡c¡T-Ul
 FILED
TARRANT COUNTY
31712014 3:09:31 PM
THOMAS A. WILDER
DISTRICT CLERK

_il4r

fRvnw¡
¡¡B; qrrñfff CGriRif¡

DEED OFTRUE T
fr[grüüso]loFcrmIrwlÐ Elf î8tiE{GûåNrÐmEtlxs lf,E ttB Û gEDn
pnr¡inprvscno¡¡ so(Ðo,å¡nßr¡lxvt 0puBrffialÌ@NsfstlrloN
l¡ll9 DEE) OFÌIUSI fSGñ!¡g ltsÙl¡[qü')is udo m $s!ob 0{f 1002

Hffi$tÞ*" ffisEìcir,
^
êrror! ¡.ã¡r

,tr¿41Ê.4. $nil6rtuar

ûtô2riz¡5

tsattltqi þs th9 ¡.ÈGorrllþ

rê!Ìr üàÈ rr, !¡âoh ô of (å¡n8ß¡¡t1r v$*tlÛEr uoÉttu!! c¡Èv 9t-
ælrãil¡¡ti. tåntr}m 6outr¡, llGnl¡
-iiiü to{tsrdlrg PlåÈ ËnolGot
Ë¡;lÄfi;; liaÊi. õ:¡¡t'ir, ncoo*ro,-rñxnlrsl Eorurtv. t¡ro<¡o'

çittlh¡srhEsldñ of 270¡ rBlcÀÊ'irÈ DR' Cnñ¡EI/lf

¡sc* cnil'
lr'lt -' ^ T.t¡s ?6os1.A?33 (ÈoFrrYádfns'li
trþCod¿l

ToçEIsErWflüd¡

F¡09øçrdûrl

rùaû
ilneÊs ta$
zdr¡sw!ûatiþF4 TßËÐr¡,t'Þ(F.tl¡o
Þçl of8

!o
t I
.B
EXHIBIT

EXHIBIT B
 FILED
TARRANT COUNTY
31712014 3:09:31 PM
I THOMAS A. WLDE*

Dù;03/o¡¡ro¡
;r
fl
Tå/¡ fi{¡Ët ¡¡çfo¡bl¿
¡i trttl.[t¡ ¡¡ctþcld¡rÞ
¿:l lilL¡ù
{}
{r
l¡
Í;
ú
im{rt -
ft
ti¿t
übÏü

oa lþ

pdû*t üsfûlb.
nÍdla d.t dÈt¡lnthûFu& nû ïlü
dqttd úÅ[
I¡úNfir tr{t¡o
Irb*!!t
r¡E çûrfeñdãçt !T(fÈ úr tre{rÊûH¡ÙWlte dl¡¡d¡f¡

pdq!Éar tlß¡B t! lù! h ¡rfidrl¡t

åû f¡o¡o* ¡oEÉaut n¿ùlr¡l¡ f,rdcr ülit ûü i¡d¡¡t¡¡ fmded

frqpor'.tìD0rÉ¡l'01)
ruô?orD
 T COUNTY
317120'14 3:09:31 PM
THOMAS A. WLDER
DISTRICT CLERK

I
E
!.
3
c Dúr5 03/oüoz

{i
ug
E
lt orld,

û úÊ¡¡of lnlt nlc¡¡l

uit ¡*pc¡* IÙld¡¡ ÉndûÉh
Ð .dca tlcho¡mcc
¡rdE¡!ryrhllpLd
orrûdælh l¡sdtüb

&itÉ
Lr&rta
¡f8siroÐlr olh¡¡r

BäúrÉt fub
q¡ùllå

tùh
dtor lbo

.aüldrËt¡h

eSr

ot fu¡tÊlrälo
ür¡rl* rlüb l!¡ lo btd
Bur
Qô iô lfid.r¡¡çã úGßtüsrük
n¡¡o¡Ury
ot¡tr llr¡

st r¡t

srl an*¡ol o[rüt rå¡

lo tðdã. ¡ìolt to Si¡!df¡ody tr
.$s¡¡rtd
üü¡tù Jg
Pr¡amtoL
ootpllld¡¡ or !4r¡rüni üfiw¡Tq Ss{r
l{llwrdlsa&ô(slir8 r$dryþ
lÊql&31.
?, Dñtêdbn rtt-lEbI8¡l¡¡û ltclloIslJr. tfBor¡úwlr Ëü¡ !opttó¡a 6cðräffi ã¡d

tåt! 5.I I î@DÖÉ.pPÉrlal¡

 TARRANT COUNTY
3nnú4 3:09:31 PM
THOMAS A.
DISTRICT

å
d,
F bú¡lt¡oolt'
D!¡!ã 0it/0al0a
'ülst
¡ orlo.rotúB
ü tdlor¡ !¡if
fuø¡r,
r!8lr¡. tMrlcüppü?,
'i
:.{ t@rt6&c¡ø¡ 10 do ¡0,
Í+
I
ri
ü
ë+

üodh
a ¡¡! Eürocü w¡¡r l¡r
¡qo¡rr l¡ lféo Lffi.!.afra
I¡¡dr¡,
!tü¡¡ûdS.
tr lo !üû!¡¡,ts r làûr Énül
¡ffiËt¡3¡üElan
¡¡r.
l, &{bdø. Lcnô:nctirrgdury a'rlra ¡mutlac¡¡l$ t4ûurd h4code:oftt$¡qtt
¡,slrs ¡¡elt¡ùr¡or¡wcr ¡ori¡, n ¡io u¡u'of dp¡hr b d¡ f!Ð.{rlôtr Сc1þh, üú¡*¡lô !a8t fuf Û8

qfrlfto ørctff ¡rlt¡rr{ ü b

nç. lúÊü rnà

ibrdl¡!dS

f¡dlû tû û¡ü
lrfroïrt Sr¡l !!r l0 FldiË ùa ¡üfûtslt ot
lËûñí þ
¡oiomflt
¡:e¡q¡
tott!¡ï¡hqÕf
¡dt,
fL Stw Et /fd!D¡ loø4 Ff *tûrd IJ¡ôüç Sd¡ø. Íùc totøtr n¡t
ütÊrûür of lb¡l $cdl¡l lsmDüa Sü bçoû ûr s¡c:rmn o¡l .¡dg¡ of L.rd$r ûd
!û tt,
F
9ø¡*y
¡úüüt ú¡ûÛ{q !E!r¡ r¡d
rrylædrlfüurrnã ¡t t¡dIoùû¡ctÉ
Ëûrdüt¡
rt. l¡ß C¡üÊn- If lìa Is r*ud b thù 8êctûY llsrt $q l, riruccl ¡ç r.b. ìtblï ã1!
u¡rlnvn lo¡¡ dr¡¡qcÀ-ü lhú lrr i¡ û¡¡[v tqøno¡Ú t iÉ¡qlc¡l srolþ ¡ú gàx!ç oollc*l
ln¡ lls
orü boEÐlbdcd b-cû¡irëmt ¡rülltË to!û!¡EçÊd'tåc posuftldltu¡r, ù.ü (Ð !¡y ¡utt¡wtú88!eúl

Èrè4els TJEQÐoH'i0(rt'lr{D
 TARRANT COUNTY
31712014 3:09:31 PM
THOMAS A. WLDER
DISTRICT CLERK

Da¡È o3/o4lo2
tå
4
þn&ceth
3 rú rnlc tùis
rl Bo¡rwÉt [f BùdldEal¡cÊf tl*¡ nùblH¡
t1
Éì
1Ë,

ü ËrLËF!úiHõrh ùù sowlv üsfræ úr¡¡ bÈ iÊfl|lrat ûr b¡¡! ha Êlrp o loirwc or l,E.lf

{} snÐ 8¡r!û¡ú !üûyi¡kd.l¡ thb ¡d|¡¡+ù,
¡S" sßrúúbßiãft *rcrüüf.TUï Scøtl¡y
lfl ôlùÊJr¡idilie iu w!&l¡ üc
I*¡nhr0r¡!¡Nii¡
d.b¡
urcofaod rçy of

b thb

&xd$ b¡ani{ r¡a¡ lb

o0rlrÈúr rß r8ll ûrmç, F) r4r
ibú¡lllnof üiafu¡ltl los¡ùñd¡
rlnatlcøod þ b!¡d8

úo ott!0!0
!.rof tt¡lôËt6 ¡fûc lå* þ¡ñlc

Þr¡85 o, Ù ?(sQÞ0lt.ret{nt ¡I¡rl

 TARRANT COUNW
31712014 3:09:31 PM
THOMAS A. WILDER
DISTRICT CLERK

Dålsi 03,t0¿l0¿
,t
rllcctor, o6F r crylqtç+ tfiq lld rtd¡ÊDccdr.súçsô¡¡ -¡ ¡6¡¡¡Û' ûoü S ¡prin
ùorDryâ,
E ¡ry uC dl .hhir dldriü, t¡'q loq üültÐ, ìof 0!åt¡B:sr¡t fioqaqtt tÞca Eú locf
of ¡c¡lo¡,
3 lorrr ül cort of uy rqrlrcd or EEÉsrry ñF¡r! o¡rsÈ or dloltlûùrdi!. ol ritL fro¡c¡r¡ j¡6 ¡¡6
tï gü$rdlol üd lrltlcffi¡tlú of dy d6r, r¡rtær, g,Irrl¡n¡l ßotrdtd .f õüÈt rÈ{nü¡!d !¡sû),
+ üÐ0dð ãd lmUU d¡tc[t o¡ 'rldl¡ldù rdsb! 0!¡ of or rsrllutft to (¡¡ rh3 !¡s. ¡mdm. edmq
{, æIe*¡, llæqal ¡cla¡G, d¡ô¡¡f¡. o¡pc+ rù*¡æf rfmsrc dfll,dorSùstrúoca 6. ¡¡ãir ø
3
E
E
t1
ù)
Ër

BùrúYtË! ld* f¡ù¡r Co¡e¡¡¡i ad l¡¡!Þ Bs frllÎñrü

I.qÊtt*n E¡l¡r*rt
ôrÊiû¡rt 4¡fúætl[úgr
{ dû lDA¡s
û[øF
tioüaûrü ¡r¡¡lll¡ rcd¡illd
'¡t dôbÈstt
bldlg ¡e¡rrññÉüsart
Fd Eh. lftbdúoútt¡ !oß trcü e qlÉopùcrtir
uqrtcfudhn¡qymlÍrúI of.! turÉû¡Fdb!
Ìnfosnll¡srilty
cdtillêd þolleú ù qø
Èaurll¡¡cd b.rûtrtEùt
ïbt[Ëåtrlddcêitlry tdÉ

If ËuP¡úEçIVlE aolt116ûr¡l¡otbb Ectlbn ?e,Eorfüü/Eðr.!tgffi üo[dh¡pcræilcnofôa

PnprrçlluonghÞmorærúdl {æürldyo¡u¡fllpo¡iaftlolofttÉPlflqfyþüÊpÉrûBlrd th¡.¡r,
If ¡ossdol is na nrruaata, &n!çtr or núù¡ pctúo4 $nll bê ¡ E!¡[l r¡ qüþræ û!d rHy ÞÊ ¡rrDe¡d
Dy *ri¡ otpú$s¡oqor orb{ Ct¡nprcc.cdhg,

å!a 6 ort TrEQp0ró^rr? @7.1r.0u

Ë
 31712014 3:09:31 PM
THOMAS A, WLDER
DISTRICT CLERK

Dcs:o¡¿ro{/02
tÍ ?t. Ìd.dr, ¡¡rdtrú¡ll ¡g¡¡rctt¡
d
rt} t08. fnðr

0
{)
É
7^ bfrrêrrâtûr.
thtlric.útl b' 90fi!ú of
B
[t
tö ,atrLár
ora¡bdlBlé

-l ûe¡¡

0rÛrf4t*ft td¡l¡rffi¡ ñr¡

rÉlu¡d
¡ilr¡dË€t trdlfrr
tltaû¡Êr &rldog¡¡f û*
¡ûrS of ¡ ¡trübÍ q&¡¡ü ¡4
(]ãhf l!* lln l{ota ry o¡br¡or tls¡¡rd
d¡t'o¡n çf lüt¡¡¡t* ürcÊ¡!ð f¡

- ùYwnù¡us,
t+, Lßt St!, Ilca*¡rlf or MrEatcd Scedrg ttær åod (tlúrr ÞwtF. Iu tbc ÊtÐt of
tl¡t ¡rdu¡u¡do ot ûo l{ac+ q tlfËr nöÈ lcörtt Þ t¡¡ Sæ¡¡tþ üqrrú!ûç r¡È 8ÉÉi¡rw
tùr b¡¡'
ll¡üelorrry&iotrsl¡¡lE
il¡r¡ çi¡Sí¡úrûSt¡M¡tlnwc¡¡lqflr:lhüÞSai¡tf lül¡u¡rc,l{stt
q osær (idbct¡ìiev. ¡lÈ Dø&qF?r Wr B[ñcr.r rçdpt of e hdd0¡{tbr c¡æulcd û¡

Ireir? qf I Ecqû0tl¡D øt'lt 0D

 TARRANT COUNTY
3nnU 3:09:31 PM
THOMAS A, WLDER
DISTRICT CLERK

Drrl lNlolísz
:I
ri
E
3
Lì
fJ
JT
t¡
5
tl
6
* x¡!É.[rflof lll¡
tC¡äÈ

E.lOn¡¡rsr¡crm¿r q Cþùd¡ltdúR¡doÌ
E Fl8lil DÉlclq[äril ¡UdF
E r-liuautyUlr
E¡ O$nFüEy Rldtr
Ú¡,fr-?rqrr*t¡t¡V o$oqn¡tr UD¡l

trO,tÈ(¡114.É$Jå

ïtr! Lrüt ¡6 ¿¿elintr cctr¡¡¡d tn þh

tt $Ínüt{O ¡ßtOVr Bsúú*rr $nt?s úü to bË
s**yiÄffitlirñíiÏoø¡ .¡toltø tv nonov¡¡ ¡d n¡o¡ûoð tt! lt'

.¡dl!¡r1

.!oñrÉ

;Eûíot¡f -loíllt¡

sr ïaotrIgAs. *.c1s C'Jçt-þt/

k¡rnlou
.
nrm4Ð ¡ordbcd u rt¡ fc¡golq8
Þ b¡ ùc ncco¡(rl \itooc
üt Éer -
ÈÊ c¡tE¡Þô ùd r¡m &r Íutg d
t!Ë

äffi
foûtñûãL ¡qd ¡¡ùF,v¡it¡ttl ls
ffi^***o*,**
-.s
*%" ¡,pvtttl , frþR

ÐqlDotrr?F.¡¡{t)
È¡l¡}lò
 TARRANT
3t7t2014

D¡rc: o3tî4102

OCCUPA}ICY AIDER
PRIMAR.Y NHTDMTCþ - TEXAS
$.
6
Iã*r*o*o¡lcfRlDm'i¡mds Merd¡ 0{' 2002
isrc,r¡tty hrilîtdT-'grtisìncorpo¡¡Þúl¡lood¡ind¡u¡d
of t¡c mmc due giveo þ üe undcrsigttd
iå.r¡olcm¡ob the Mo¡tg4d, Drd of ths or sGûuilry nee¡ tüi
t'hliJ'Bo¡rcwø')
*"'"*'*ä¡rã"
tp sæsre B0mu¡Ë'5 ¡ote to
.fu* ,r**l ore lbütgagB go?poratlon, a call,fornta co¡æo¡cacio
4** ot m'dää-ôt, ;ffi;i;¡ covñog ,Ètqp*t desodbø b thc $curlty In¡tn¡ruot üd lw¡d ú
i5
{i 27og NEf{CÈs¡tÎ'ß DR, @¡shÊNs', f,K ?605f-4733 |
* (ProPe¡tY Add¡86Ð
s
f|
dôacupÅNtry AmBEuSNIs as folloss:
n:ad¿ ln thè seo¡rty l¡iuufi¡n, Bonower fuh¡r.Ðvrü¡¡¡s æú rigms
$r ødrion to tbc Égøere "ü'lt¡oer*
#lred by tbis ¡rop0qv ol
t . BorDmr rhwld8pr t¡at te t dder d00t Dol d*in tc rt¡þ a lÛü b Bffrc\ttr as Srmrrer's prim-y
rbo sü ço¡t¡bqit ì! rh' Note u"¡!!8 ú; ñÞqöï-rî; ;F otea tv Sonorr¡r
¡eslalÈroe. t¡od¡r p¡k¿e toiÞottær ¡tsi.lÊûbe lei¡s m dflrir€ûr tçIrB

2. Tte Bdrmwer dcsine t¡adsr þ ¡rab ttis tæ¡ to tonower'

Bom*pr ppnûr*¡ ¡nd a¡qser t¡ûitrr tbqrSù¡rowrt ¡rþldlþ

o@y l¡ls pPpf?-t.rygtgF ry
s. otøpîñäffiñ¡cctpl¡'-rf&iptqøy-au tr ootc ptMyrseldtüa
rogÌl¡oci üd ù* Borrorocrpnf ¡o
*m*fug Cp"u lht cil$!¡ol¡ of fhtt Sccatlty hnru$ùt'

4. 1f!6¡¡1ç¡¡'þro*åæ rrri¡¡rø&c.n qîlilffiili#ffiîi#åtff.#ffi' *t

bvakc dly of l¡¡! fotlowbg rç$Ëûles'.-¡¡ en@ thc ?bwcr orsslq
Â. Do0¡efc r¡l n¡ü¡ s6rnËd ùy üc ffiñi ñffiü ã* ;,¡.fartblc aod tl'
B. DG(rcæ thl t0øü of üc lo9 il
.ää;ï ''*ú'y Pv*15i'1.. Nao æødbgl¡
c.lt.rtå¡eth!brgrüslr¡lcfllÊÛ'''l-tiilüû"t¡vp*.frlrfonnocrth¡Notc¡coordhgu¡
ihe od8l¡¡t ptncbuc ploc or lha
prroøp.r trlrdftffi"'ËncruqgÊ of d¡['r
Þ. Requln ünt rhu rn^uitng ofl?ra or troü'ov'üE occl¡Pid loaÍ6'
ryÑJîa"J

md/sr the l'lô¡e' Ûro

;$ffii* ffiJ#"#-* of t[þ Rid ¡r cdi,n w¡tr ùe pdr*¡t ran¡ ls lhs Scqritt l,,sirûEdr
prfllsíd¡o
ihc thi¡ Rlder vill tm¡rol.
of

fgRMntÀlTON OF ÀgRß&IBt\ff qdoL of ùe æslg¡se, te trnlneþd'

lcnds, this Rida nry' e the
tf rte &cnrhy Instruæn¡ ¡E ¡|ffioo¡ to a¡püer

Td(ASOCC{JP ¡tCYrn*'Þ' Yrciaæ ?rRF0¡t P2.@'gE)

hED r or2
 TARRANT COUNW
3nEü4 3:09:31 PM
THOMAS A. WLDER
' DISTRICT CLERK
Dus: wlo4lo2
B{ WUEREOF. Emtewcr hae eneilted tlir occugq!ûy Ridcr.

lï
sñ
Í$dt of Cmily 4/
I NobryPubllc
and br $ild $late, gci¡on¿lty apaal
hown E¡Ë' (orpnræil nq¡ ou rle Þ ir/æe
tte withín ios¡¡¡ræo¡ sr<l adsnrpledgid to ne ùethe/sùc/thay areclrd tlo¡m ln aulhoùired
ûm by hris/hcr/helr dd¡nü¡eG) m tb iu¡uuneut lhe per¡ût(t), or thc Eûlity upoû fh
the t[6ns!Ëúr.

lVhnæs ny h¡¡rl ad offoid seal. $¡neuræ

ßerËnbd for ofñd¡l søl)
NåsÊ (tYTEil or

My coniniliiorerpH:

lgf âs occulÀùf 9f lF.ËUsf t¡d¡æ

F¿Eû I sf2 TlRmÉ(@{r.'8t
 048-270965-14 FILED
TARRANT COUNTY
3n2ü4 3:09:31 PM
THOMAS A, WLDER
DISTRICT CLERK

-l
ã
5
z
.r-ì Ð202069755
È
OEEtrOÑ ]. I,IORIÍGAGE @RP
tt FO BoX 57076
IR\r¡NE CÀ 926L9 1076
t.È.
si
b
f
-eÐã RN T NG-TIf,ig Ig FhF,3 OF TgE Of,'ETCTAT¡RECORD--DO N O T DE¡ S TROY
ofr
E¡

INDEl<gD;- $ã,RRAN I COUN!n Y .I EXAS

S U Z Ã N N E H E N D E R g O !f *- COUI|ITI CTISRK
OFEICIAI¡ RECEIÞT
T O: I'ANDãMERICA
RIECBJFT NO REGlStrER RECD*BT PRTNI'ED DAlrg TIME
202x903?3 DRg3 CB 03l13/2002 O8:15

INgtrRUttENÍ I'EECD SÚDEXIEI) 4luE

I D20206e?55 DE 200203x.3 0åi15 cK 812?84

T o r A ll : DOÇtttPIB[tg! 01 EEES: 27,OO

BY:
åNr pROrvIsIoN t9!{rclt RESTRICTS Er¡E $å,!E BBITAL OR UgE
OE EHE DESCRIBED RE¡AL PROBTRSY BECAITSE OEr COIJOR ÕR RACE
IS INVÀÎ,IÞ À¡ID UNEbIFoFÇFIABX,E U!ÍDER I'EDERAI, flAff .
1i' 9ro b bLtq B-r(ørb) p+v

qtn
WIIEN RECORDBD MÄILTO:
oPfIoN o¡¡8 M0n6cAc8 CoREón^[ΡON
p,o. Eo¡( 5?0?6
fRvÐIE, CA 926t9-?0?6
,",.,ù. .;"1

îi"t'
'?
'..

ir¡ 3. ,
ìt ãlllN¡ QUAIJÌrY CoNÍSOt¡
(l
I
(¡t
:l
Si
år
(l
rl
il.

Its)äS EQUITY I-OÀÀf jIFFIIAVIT

DonRo$rER(С JÀME9 t{rcnÂrrJ oREõsrorf

PIOPERTY: 3?a3 NewcÀsTtrE Dß, cRÀpm¡¡¡¡B; TJ{ ?6oEI_4?33

llcfoæ m¡. ùo undlrsh¡¡d auûôrlle,lppÈ¡¡èd üß Àfllantr

þrhotftor ono or nroro).rvho lrolng by rfþ duly ¡Íarnl
on hls/hc¡11¡¡¡¡ e¡¡¡r
sùrd rlra fottdwtri¡iø ol r,ur. coiËüi o'¡ui'iöàìitrri in .0ru'..rlu¡ ro rho r\fllnnt¡, ¡nnlt0,1rlon
lor¡roxq¡ Esìrtrr tÐul monsr¡0, uuriá io-oiiùíon'äiïiär:-uffi;'è"ld;;ï'Ë;;'ï'ö;îi;åHîî'
(h$.âßor ùü^t ßrtsr") purs¡'¡r ro fio(¡Xor
¡n<t rno¡ro ,o..rl,i?åTiäTlìuru*,
^ntorc
t, 'fl¡a Àmû¡rr own ¡¡rè ililð ro thè lEDd de¡srib€d h Exhlbll rA' rtachcd hûrÈto ard ûsdo
(hùrêrfrçr lfto tLå¡d1, ¡ pÂn hÊrôof

2, All of rho !¡¡rd Ir lho homrtÉ¡d of rho Alñr¡rb ond n0 pùt ft fot th! to¡ïe$rcqû of thÊ AffiB¡t6.
5. No lddlllo[Fl aolldâr¡l la¡ bccn ¡¡kcrt for, or
¿lvco. î¡ rcou¡lty for tlro lo¡n.
4,
ff:,Hll,?#j,1lñfËisí;i,-Jllifr,ÏifftíJ:iå';iliåH*iilä,îpi,ï#"lili,1,'tr$ïtr.":l',fl
:lll hom¿owne¡'¡ ¡¡goc¡¡liofi ûsú|smontr rElorlng to rhg l¡sd, if ![y, havo booo pald úf0ugh l¡ro
y!âf. sr¡Ílnl

6. Thc /tl{l¡nt¡ do nor h¡vo or.l¡lm Á¡y 0rlror propcry, orhor üron rho L¡ld, r¡ tJr¡lr honrsçaul a¡¡d do flor
cl¡lor r homa¡ro¡d r*
orcmprron .rsorìur nny ä¡¡úr ri.iporii. 'ä. rrinîiä iro ¡ör r,;ü;;üñ;'ü";i,,i;ï
-*"'*'
h0r¡ysl6ì.1 ¡nd do oo¡ own any lffrrl úr¡r fc l¡Êd ¡ç ùo br¡ílnc¡¡ or acoiiU¡rbn
óltü.'Ãti;;ä"'
7, Tbo Âffu¡t¡ do not havo r ¡cldh¡ Butruptoy,
8.
!¡¡vr ürt
n:-lfj.gt!:lgll1, nry lord' qrr¡rd¡drnB ôÃ{¡usrons or crc(rh nqd! purslurrr r0 ts0(..|)(6}. Årriolu r d, or rhc
0¡cù1tlh6 tlto lltd dcsurlbcd lo hci¡ I. nbovo ltthqiì,irii¡ltonôiiiqtri'ii
l^llt-T,,yltllllllqn
{0 o( pr¡o t[ ¡ìil Ùld toloi¡Èd lry tlro oürront lh¡.]rol&r. 1Ìo Âlfimç h¡vo nor ûxÊatttd ü]y hlörrenno lom
{ocuqmr.r rchrtvû l0 uy cxrirutonr ot rts¡¡ ûÌ¡r¡ç ¡,u,oduiì;¡äô(oii¿i;Àilù1. Id.';i'üiiüü
Con¡rituttoo on rh! LÀnrt,-0r 0n 0¡y othrr tuo, wiriii,irl,i rul;d d;iìôlr),
9. The l¡nde¡ b¡s ¡ot provldd BÌy tôx rdvlæ lo rho Amanb,

10. Thr Äfflanrs æktrowlGdgo ùs! rho t oatcr h ÎËty¡og or rhir wdllor rcpralcnbüotr by rha Am0nE ú to thË
Lånd.

¡1, Ttre HUD'I So(ll0rDctll S0unlmt tloncd by tho Afflouu co¡lctly tull¡ct¡ ail fccs palrt Þl ùro Àllln¡lr¡ l¡r
coÛlccu00 wll¡l l¡lf3 .¡t0lulo0 ol crc{h nudo purstl¡¡tt h tJ0(n)16¡, 4¡¡r¡¡ ld, ol txc
t¡iß co¡útlrutio¡.
lz, Ïlrr ¿lfllilb'
r¡ndrnl õluu¡ is cðr¿Étly_mû€dld by ùc rccllrls as ro ûurltal $rrus h tbc Toxos Equity tom
Dcod of Tn¡¡t lxæt¡t d l¡t t¡t
^lflrm,
13, Tt¡ Alñu¡t¡ hev¡ bæn prcvldðd wlrh o copy of a1l doouncr¡ta slg¡ed Þy tho Àfflurrr.

lltglof2 rïsdr,ls{r (06/dßÐ

EXHIBIT

ä l-c
 Dote; oa/odloa
:1,
ti, 14, Nono of lbs dooumlts slgmil by tjre Afñont¡ ¡¡nuhed blolr whcn llgnel,

15, Thò ÞrbolÍ¡t loon ¡roounr for rhl¡ Tc¡cl &ulty [¡¡n uortg,¡ûo, rvbcn rddcrl to tbc prioolprl bEluer of olt
., orhci lle¡s n¡sln¡l ùs bomc¡lerd, rt-gci not c¡oæd 80ã of ¡!¡c latr nurkcl volut or lh¡ dElo lb¡l ûls
Àffl¡rl¡
(7
r¡t¡ûllon oflrcdlt b 8¡dû, 1ûo ¡ãtd(f ond tho Âllì¡nt¡ h¡vê ôlg,lld ¿ rß'¡¡tlcü ltþìo$lôd8,c¡Errl ôs a0 thü
fûlr m¡¡krt y¡¡u! on t¡6 dü0 tb¡t lblÊ 0nfitlo! of oEtll¡ ¡3 nudt,
ü
_5 16, rïo Afflul¡ ooknowlcdgc lb¡t thi¡ lom h¡r closÊd at tlto offìoc¡ of thê l¡¡ìder¡ ot I tlllo compaly. or nn
T;, allomåy al lqw,
{!r
17, Tüe¡e ar¡ [û uDP3¡d ¡d v¡lorsm ta¡rcc, st$dby roas, or úra6¡r¡c l¡ by w loxln8 lu¡hoÌhy Íor pdory.ôts
rclrrir8¡othcLind. flcroarcnou¡tñldJudgõnxnr'tlcn¡.0¡fctlodoi¡t¡tãtlc¡¡,ôrblll¡forlubor,m¡rorl¡l
{1 or sonlc¡¡ for lrnlrovononlô or rg¡¡11¡ to ùo lûad, o$/oal by or tl¡l¡ld o8¡lt$l lh! ¡\fne¡lr, '{Ilr
t¡ brvo nor anr¡orl hiro ¡nç out¡mrdlnr. conusrb for ro0¡¡n or-lÌnDrovonþilc lo ttro l¡nd, ûd tho Âfnr¡r¡tt^ffh$
ll¡v¿
t¡ Dot lr{r8ut| rny npatn oi ll|rplovcnrc-nt¡ lo ù¡ ltrd \iùlch ars tó bc pltd for rvlth ùo ploccc{s of thlr Toxor
Equlry Iþån mongagc.

18, Thc i\ffhnts notJ0owlÊdgc rbst sll'dlsous¡loß tehræn thcr¡solvos srd U¡ê lÆdc( bavc prlñr¡tly beo il tltc
Eogllsb lm6rngc,

19. TLê^f{linti¡sklotv¡Ê.lttilwilrlrrått'tlos0fcGdltl¡rnrtu¡ulrunntto9á0(aXQ,*¡llolclórÕlùôTðxût
Coùsritutlon 0il1 l, bü¡ rn oÞôl.cnd üc{or¡¡l ù!t ¡nðy b! dclrltc¿ froil thìr t0 tino 0r ¡}¡tdor '¡rhlch orcd,l fi4y
bü ,xtcoüc{ f¡om llmô lo tka, Tht .\fT¡ulr fu¡lltcf rc:lcnrvlcd¡o lh¡l l¡! luvo cltonr¡ ¡[t0 lhic
lxtcîslo[ of credlt voluntsÌ¡ly $llh ùc ![prê$ wdttcn cotrsnt of o¡ch owær ^ñlsnl¡ ol llc ¡ird, 8¡d e¡ch ownç¡'¡
spouso,

20. lbc Affiâqt$ tokilo$lÊdß! rbst út lÊr¡l t2 dûy¡ h¡vc D¡Jsod tlnco lho d0lË 0f lh! AIf¡Nl$ Ãub¡ührlon ofs lom
uppllcstlorì ro rhc lcndoi, or rlmc rìo dac óf û¡c ß40lpr of ù0 l¿0dð¡'s wnller nollcc litl¡d Noticc
Comrrnlng Extensions of Crcdll, lÀ,hlchÉvcf d0tc ^fflnnu
o¿our¡ed lâlcr,

Tllc u¡dorsleord AlllndlÊ bofòy twêÀf ,¡todët oslb lhåt thB Tbov! sl¿lcmealj us truc sld sonaÍl' Wc undont¡¡rd
ùst rbir T!¡¡r lloüo Eplrt Aüld¡vlt lr p¡¡r of üô l0ô! docûñ0nt¡tlon.
IN THIS AFFIDAVIT, ALL
OV/NERS
MU81 OF THIS

¡r0rTa\rþÍ

lononor Eor¡qwt¡

,. .,
",.
Jùfic Ddo!, IhìE lin¡ For Aol¡owl.x¡Bm0ntl***_--
STAT9 OF T*"15
COI.'NTY OF

0n
bofoß mo, (he urtdêßl8flrd, l Noury Publio

-
itr and for sa¡d Stst0, porÉôtrÂlly spgott€d iilWté rtbt:,,)lirf",¿.- (tg&SItta-.

lô $n l0 nlÞ ol
l0 llrù orrl to ¡ilc c¿cclrlrd ahû ¡ornÊ
r¡ìÌ|ro¡.læd lhil üy 0n lha o¡ lhc
c¡llty utno lJnùoll ç ¡hc rclrr1, thc l.ôltilmcÂt

Wil¡c¡¡ rny h¡n¡¡ ¡¡rd

(R.¡êRàt foroflirl¡l ¡eD

N¡mÊ lf¡Pæ orln@,

Mv conunision cxpkc¡r-
ot t ll€QM'@ (0ú'0r/9Ð
'tg.2
 tl,
::í1
11

:Ë
tl OPBXON
Þ202069?58
I. MORtrEAGE CORP
IJ PO AOX,5?0?6
;r
TRVINE CA 926L9 ?076
i¡¡
ì:f
l¡
*fù-ï ARN x N G-EHrs rs FARr oFTHE orPxcrAr, RrcoRD--Do N oI DE s T Roy
rÌ
;'$

TNDEXED-.ÍA RRANT CO UN!Y SEXåS

gUUANNE HENDERSO N .. COUNTY CTERK
OFF XcIAX.¡ REC EIPT
T Oi IANDÀI4ERICA
RECETPB NO ÞEGTSTTR RECD-BY ÞRINÎEÞ DATE STME
202X,90376 DRg3 CB 03/I3/2002 OB¡L5

INSTRUMIINT FEECÞ INDEXED TTME

I D202069758 WD 20020313 O8rL6 cK 812784

BOTAI{: DocuMENtrS:01. FFES¡ 1.1. OO

BY;

A}.IY PROVTSION WT¡IC}T RESTRTCTS THE SAIE RENTAIJ OR USE

OF THE DESCRIBED REA¡ PROPERIY BECAUSE OF CO¡ON ON N¡,CB
Ig ÍNVAÍJIÞ À!'ID UNÞNFORCEABI¡E TTNDER EEDERAIJ I.A9I .
 D2A20 69758
OPTTON ]" MORTGAGE CORP
PO BOX 570't6
TRVTNE CA 9261-9 7076

.-W.ARN I N G-THIS TS P"ART OFTHEOFFTCIALRECORD--DO NOT DES T ROY

INDEXE D__TARRANT COUNTY TEXAS

S U Z AN N E }1 E N D E R S O N -- COUNTY CLERK
OFE"ICTAT/ RECETPT
T O: LANDAMERICA
RECETPT NO REGÏSTER RECD_BY PRINTED ÐJ\TE TIME
202]-9037 6 ÐR93 CB 03/t3/2AAZ 08: l-6

ÏNSTRI'MENT FEECD TNDEXED rTM¡]

I D202069758 WD 2002 0313 08:L6 cK 812784

TOTAL: ÞOÇUMENTS: OL FEE S: r_l_.00

BY:

ANY PROVISÍON WHTCH RE$1'RICTS THE S¡\LE RENTAL OR USE

OF THE ÞESCR]BED REJ\L PROPERTY BECAUSE CIF. COLOR OR RACE
IS ]NVALID ANÞ UNENI.'ORCEABLE UNDER FEDE]RAL I,AW.
 I Datsi 03,/ 0âl 02

OF CREDN
NOrtCE CONCERNN'IG Ð(TENSIONS

BoRRowER(S); JÀME8 !'IICHAAI¡ GREGgtroN

2703 NEWCÀFTDE DRf GB',APEVTNET Íx ?6051-4?33

PROPERTYT
ttePropertY'
RE: toån lnthe amountofs 2oB'o00.o0'eecufe'l !v
XVI Texas Con$titution:
Defîned by Section 50(o)(þ, Artisle '

loil to nr.cet tle t'nrts of the !orn' the

tørloll50(nXõ},ôrriclEXVl,oftllcTgxgsConslituú0nttllorvsccrmlnloanstobesæuredogatnstthoequllyinyourhome,
ì.#;;ïñüìo¡ns, rr,"..;iï;'ö;;.îr'io*ã.;rv*
sr¡ch losns ûrc go¡nm',rry
äilffiy *';i;;; *íl *ilvä* rtii-lJrhe con¡¡itutlonprovidæ that:
each ownø's sgouse¡
of eaah owner of your home end
(À) J1re lo8rì mu$t hË voluntÙlly o¡eo¡cd wîth the corlsÉlt

orvour bome;
(B)The!¡inoipal,loanlmorrntñlülc.tlmetlru.tounir¡n¡ilcmustngtexcce!¡.ann¡nollnttl¡âllwhenaitdci¡ltotheprlnclpd
b¡lances of a,orhar ri*n*,eolîli'ïiì,iiìr*, ¡,
*oJfiitii *i.åiTiiioøiri,rr0 rrr'ilår¡(ur value
,.r,
{ctThEloanmttstbowlthoutfecourseforpersonalliabllityagairut!¡ouurlyourspouseunlessyouoryoufspouse
oUrstned ì;ío eito,rs¡on of credlt by nctlnl fraudi
order;
be foreclosed uPon only wlth a ooun
(D) ThB lien socurlng tlte loan may

(þFeeså¡tdchargc$tom¡ketbeloutmsyoo!pxcætlthreepercelt(3fo)oftbeloa'ranount]

(F)Theloånmaynotbpanopen'endsccor¡¡¡tlhalrnaybedebitedftomümetotimeorunderwhlchcreditmaybe
exrendsd from tlme to lime¡

lhe loan without p.snslty ot ohargei

. (G) You m¡y
prepay

be socurity fo¡ the loan;

GÐ, No addltlorut colloteral rnay
property is used
u¡less ùe agrlcultural homestËad
agrlcuttural homesrord property,
Í)
The loan may not bs sæured by
p¡ima¡iti ior thc pmducdon of mllk;
,
CIYoÙsfcnotreq$tmnto*paylhclonn¡¡rlierlhanagrærlsolelybec¡usethelalt[¡årketvalueofyoruhomedeçtea¡e$
ls not ¡estr¡Gd bv vour home¡
or bæûuse you denault on tilitiiti¡ã*'tl'ít
be sæured wlth your homc
by s6ctloD 50(s)(6), Arlicle xw, of lhe Texas constitutlo¡¡ mây
(Ig
only oue toa¡ däribed
u anY giveo tine;
exceed lhe omount of ¡ccn¡ed lnte¡cst for øuh
Ttre ¡oå¡t mûst be scl¡Gduli
to be repald l$ r¡yneuts that equal or
G)
payment petiodl
rftcr yotr *r'I!11
l1:¡:':åliliïJiili*î'ii|i:li.Y"li''iìii1:
loan msv mrclosc trcf:lq
(M) 'llro ii:lt:flll dnys
(12) days ¡rtípr you rgcclve tltls no(ico'
the
whlehcvcr tl¡tc ¡s
sanrc propcrÌy mÂy ;:'lli"iif i:I;lÏË'Liöiïä ä' ìîil;;ii cro$r's 0t orr'c' rr¡u

Ëí;.,tt, ; ;,^i lonn surcursd by

lout;

(ÐThelogtr¡¡tÂyoloseonlyattheofflceofthetcndgr.t¡ttecompanyo¡âfiattomeyûtl8wi
by stntutel
(O) The lender n¡y dìån8e any lxed ot vsr¡able rate of interÊst autho¡læd

II{EQMS¡l (08107/00)

På80 I of2
EXH¡BIT
i-
 I Datet ælo4l02

(P) onlyalawñrllyaurhorizedlendermaymrkotoa¡sdesgibcdbySections0(t)(Q'Articloxvl'oftheTexæ
Constltution; ond
RURAL homcsleads
lo)Forlhopurp0s,of,ftxa¡EgultylornURBANhomesteadsmaynotbefiFrolhanle¡lacrc's.
may bs up-iq t00 aqrci for o ln¡¡lll'
XVt' of the Texa¡ Cotrstitutlon must:
(R) L¡ans deserlbed by Sectlon 50(aX6), Artlcle
by your home or to
proçeeds to anolher debilhat Is not sæured
{11 Not rcqulre You to aPPIY the
ùãu¡er ttcbt to ihe sune lender;

(2) Not nqulre thar you æslgn wagcs

u sæurity;

whJch have bla¡rk¡ leñ þ be fttlsd in¡

(3) Not requlre thar you cxæute instrumens

(4)NorrcqulroÚlstyouslg,naconfcsslonofjutlgnuntorpowofofsttomeytoanoÛ¡erp€rso¡¡t0
your bchnlfl
confess or appear tiå iogil ïrottcdln! orl
Judgmct¡l

(5) hovldc that you fecetve a copy of all doçuments you slgu at ctælngi
trat thrs tosr¡ rs s roan derrned bv

!?,,*"r*;T,uf'ili:didì:if;lüfJ*. å'.î#,î,î$î"'ure
give You u reles'$e of lien

Í?*J.liJ,l*'#i,îilåi'y":'J'f,î,lîf *i-1rill,'oH,::"*'wrrrst*'and
or qh0rgei
ñay' wlthin lhæ (3) rlqys after slpsln8' resclnd lhe loan wlthout Pen¡lty
(S) Provlds that you
üe losn closesl
the ftir m¡¡ket value of your home on the dde
(9) P¡ovide th¡t you tûd ùe lender ncknowledge
lender fails to comPlY wlth
(10) Provide thnt ths lender will forfelt all prlncipal a¡d lnteres¡ ifthe
the lendsr's obli6,ations'

that
Borrcwgrs acknowledge' sweü snd affirm (I2) i,;:'í,,:ll:it':l::d;:itîi;'llîxl;#s'ii;iJ:wuprovrdedto
or lß agent more th¡n twelve
Bonowers bY

<*/ lo¡row¿r
D¡Ie

Dstc
DâTê Û0row9r
Bonowor

Pulê
Bor¡owor
Dttc
BÒrôW0r
lxsQMS¡2 (08/o7l0o)
Ptgc2 Ot2
 1
Page I of 3

T' I

TITLE OF DOCUMENT3 conPoRATËAssl€NMENToTÐEqDoFTßusr

EXHIBIT

l-E
I
 Page 2 of 3
t
I

CORPORATE ASSTGNMNNT OF DEDD OF' TRUST

Contact JPMORG.ÀN N.A, for th¡s ¡nslrument ?80 Kans¡s Lrne, Suite At Monroe, LA
7t20s, ls responslble for ¡eceÍving pâyments.

r lllilr lilll ililililtlilillillt ililr llilllillr ilil|ilillllr

ricknowlcdgcrl, the
CORPOR,llïON'
Center Drlvs, $ulte
tr¡nsfer and'cct
or lo
700 KÀNSÀS
(86ó)756-ð747, irs oR ÀsslËNs, (AssrGNEE),
sâid Þèr¡rl of Tru¡f irl lhc amot¡nt of $208,0ff).00, t'curing tìe date ô310412002, was çxecuted by JA-UEq
I\4IC¡lÀEt Gffi¡üSTON and rt*orded as fn$runrçfit # þIV2M9755, in gook , Page , in the rccords af Reol
Pr rnoñy of TARRÂllT County,'fexus.
lllW¡TNBS$ IVHIrßl:OF,;t,i, ¡ssisr,r.r,is er."urcdon 6 I ê9 /A0t3(MMÆDiyyyy),
SAND C/tNvON COllPOR.,rTIoN FKA O¡yÍION oNE MORTCÀGE CORPORATION

STATE OF'OßANË€
l¡cforc mc,
who lo mc ftl
Sar¡ìe
or ùe
PERJURY
hand and official seal.

llotaly
Cornmission expircv âèrf , t'l
Doorment Pre¡rarud B,r: Robert lr), Fk:tchr,rr - r:/o l\'l'C, 2100 Alt' l9 North, PaIm Harbort FL 346E3
(800)346.91s2
When Recorded Reiurn Tb: JPllorgan Chase Bank, lrÌ1,, C/O NTC 2 ¡ 00 Alt, 1 9 North, Patm Harbor, FL 34683
JPCAS2ll4l223 --WAMU T27¡3083508 tcl FRMTXGT

ilililililllil]ilililllll lilll ililillllllllllll ililtil tilillil illl llill llill llllllllll lllll llllllill lil llll
4D0003236483f
 Page 3 of 3

MARY LOUISE GARCIA

COUNTY CLERK
100 West Weatlteford Fort Worü, TX 76196-0401

Pt-roNE (817) 884-1195

NATIONWDE TITLE CLEARING

21OOALT.19 NORTH
PALM HARBOR, FL 34683

Submitter: NATIONWDETITLECLEARING

Do f'¡QrÐqsTRpY
wARNlN,ç:,THI$,ts PART PE THE PFFtcUtL RE].GoRD-

Filed For Reglstration: 912412013 8:52 AM

lnstrument#: D213250200
U3 PGS $20.00

By:
'-ftþng¿lo,-;.6ø, -in.o

Þ213250200

ANY PROVISION WHICH RESTRICTS THE SALÈ, RENTAL OR USE OF THE DESCRIBED REAL PROPERW
BECAUSE OF COLOR OR RACE IS INVALID AND UNENFORCEABLE UNDER FEDERAL LAW.
 Page I oi 1
0216190912 ü26t201610:31 Ail PGs I F€o: $16.00
Submltúot:8|¡lPLlFlLE
Eecûonlcrlþ Recorded by Tarrantcounly clerk ln oflclel Publlc Recordg *f/bïdoo;r6ø,
Loulse
"in,'ary
'ucla

COAPORAÎÉ ASSIGNMDNT OF DEOD OT' TRUST

Rrß¡rdl¡r8 lhb lndlrmront, conl¡d F¡y Srryhln$ LLC' {40 8. I¡Srlþ Av¿' S¡Ic ÐlXl' Cl¡lc¡go' [L dlúOt'
lete¡ho¡clt800-49t.71úó, whlct lr rcepondbh for rcelvln¡ prymmtn

illlil il|llffi ilil |ilil lilll llllllr|Illil illl ilil illr

FrO*

c/o MCSo$,
by thçsc têl o0¿a thc dôsóribtd

ITTIRESIDENTIAL A$SETI; PARK 2OTH YORK

Qt2ran4ß,l'rg ASSIGNS,
S¡id Dæd of Tnçt bcarin¡ lhc d¡¡c 03/04/2002, wrt çrcculçd by JAMDS MICIIAEL GREG$TON ¡nd
rccord¿d as þl r33f¡. P4r 03ll ¡ndlgÍls¡ü¡trl-ü-Þ¿øll9Ë1, in thc rccor& of Real Propny of

JPMC SPFCIALÎY MONTGACE LJ,CFNIA WM EPECTALTY MORTGAGELLC

By:

SÎATE

to llþ

and ù¡t hc/shc/lhey

Dearh

I}ocumentPttprrcuBy¡@.|PMor3rnchascBank,N.A.,?8eKansrrf,ang
Sulle A, Monroe, L^,7120t, t00-401.ó38?
\Uhcn Recorded Return To: JPMorgan Chuç Bank, C/O N¡tionwide Tillc Clc¡¡in¡, Iæ. 2100 Alt. 19 Nonh, Palm
Hañor, FL 34683
JPMC2 3954r65tI -N.093 T17160829¡3 fC.D FRMTXOT

tD00¡7? ¡3903.

EXHIBIT
I
F
cha$e (FL5tf94)
P.o. Box 44090
EHA5Hfu#li
Jacksonville, FL 322314090 THOMAS A. WLDER
rüilililrfüffiililfr|ffilfilr DISTRICT CLERK

71e0 1075 {{to 2283 9{?¡

May21,2013
oomr¡¡¿ tot-o cu tttlr .Éw0.ia

JAMES MICHAEL GREGSTON

2703 NEWCASTLE DR
GRAPEVINE. TX 76051

It,,,l,ll,ll,r,tl.L¡,rlt,l,,llt,.l,,ll,,.ll,ll"' Jl tt'Jll

EXHIBIT

I - ô
 chase (FL5-7t34) gHAEE#mw:.Y'ff
P.O. Èox 44090
THOMAS A. WTDER
Jacksonville, FL 322314090 DISTRICT CLERK
illilil[ffiffiillfimfffilfllillfi
z¡.go lozS 1169 22as 3l7g

May21,.2O13
ll,t,l,ll,,ll,,,,l,l,t,,ll'l¡ll"J"ll"'llJi"i'ill"trlll
oo0oür90 HDLO çB l4trl -a'ry0¡4
JAMES MICH.AEL GREGSTON
2703 NEWCASTLE DR
GRÀPEVINE, D( 7605I

Acceler¡tþn W¡rntrfg (Noüce of Infeht to Foreclose)

o*
GnemVfNf, TX ?6051 (the "Pro'PertY")
]
DCAT JAMES MICITAEL GREGSTON:
JPMorgan
under tbe terms of tbe Mortgage or Þeed of lnrst ('s ecurity InsEument') scçrui¡g your Loaq
ðt"r. f *ü., I.f.A. (..Chasdi näeby notifres yø of the followingl

default becziuse you.hrve frilçd to Þay the reryired

øoilhly insta[rteds cornmenoing with
1. You a¡c i¡
thepaYrcnt dug Jaur:rarY 1,2010'
¡ if ep'plicable)¡
2. As of luay 2[,,p,013, total montbly
pe]¡Illeûs (including principa! inttresç and escrc¡v
of yorr loar
tsre feos, insufiiciøt n *ir'oËîi'¡ä" *¿;È*
fb* ;t'd adva¡c,os due under tbs tc¡ms
is bctrow'
dosum€ût' in tbe total
ar. p*t a,u. 'this past-dueåmoüDt itcmizcd
",*ü;;f'$ìõi,sgg.rq oåto* ng tir¡t h¿ve bseil p¡id out and lrç duo
If applicablg yo* u.*,rîtäv f,.t" JoAt¡*¿ "t
on the Loaú.

contact Û3 as soon âF possible at

Ifyou have any questions about thç amounts detaüed below, please
(800) 8¿t8-9380.

Total MontblYPaYments $102,747.75

LateFces $0,00
NSFF.ee¡ $0.00
Other Fecs* $60,8s
Advances* $1,024.59

A¡uountHeldinsusPc'nse $0'00
:
*olher ín accordønceú'ilhyour laaft
¡ldvances incîude:those amoûnl$ asseased
Fees and
documenß, ipplrcable law, or that were authovbedfor servlces
,rdb-;*rt*"dli
regardlng a,ry aî thace dm¡¡v¡6, please
rønáer.çd. l¡y"oî{A iA¿tt¡onqt inîor-øton
ttt at the wuber pravided below'
"ontait
tbat b*oro &oú tho dåts of this ldtor tluough
You ¡irc also responsible for payiag a.ny ryÎrytt
r¡c c¡rpiration ¿atc sø fo;t¡ãîägui,¡ I Uelow' f¡*e u**tt *uy include' but ârè not liftits'l tð'
'fue
 048-270965-14 FILED
TARRANTCOUNTY
traw'
taxes, i$urance; inspection fees, and other feæs, as permitted by ap'plioable 31712014 3:09:31 PM
THOMAS A. WLDER
Pa¡ments lisfed in Þaragrap¡'lsrRlcr CLERK
3. Acrion reqr¡ircd to fl¡rs rüe atefault: You nnutpny the ToJal.Yqtlfy N$F fm, and
within 35 days nom tbe date of this norice rn ,iráärì" olre thic deailr All l*to feæ,
rçaid ¡rnder the terns of ycrur loan
orher fees aro still v¡liil aûd will læd to bc
docunents."od "du*rroes

chase will aocelsfate the

4. If you fait þ ü¡re tbe default witbin 3l daysfrom thc date of this noticæ,
provtdæ fo¡,mvolving rdvarice-i dqlare
daturity of ths Loûr! tar¡Ú¡n¡ts your crcdit line if tbe Lorn
rÑ ,æ*ø UV tft d*"JíI*r,-*t itt"O¡ut"ly dui an¡-payable, aod comnnence LoncJosurc

procotx{ingn, nllwithout ûr¡th.er nolicetp you f tUuiiplry,

"ll Ctr¡sc u'jll be eûtitlod lo collect its
glovided in scoutity I¡stn¡nenl w[ieb may íircludc,
orl¡enses i¡rcunø in pr¡rsul$'rhe rmredi*
&¡e
l¡ut nst bc limite¡l to, kroffir" r"rscroeulrJätorlqy fø, rnd otbø sxpcat6 pernitteit by your loan
docr¡menti¡ or applicable law.
I
you haræ thc rigþt to reinststc sft(f
s, If pormitted by your loa* doüryryts or o¡plicaÛte law,
æ assert tlip nsnocísttnæ of ¡ dpf¿ult' or
aæelø¡rio¡ or t¡u r.ñîanã-ñ;tighr io #ir,e ; øutt aõnoo
Howevor, te.amOunt æqUircd tt fç¡lEtåts
any other dpfsnse to uo"t*r*tOt, åreofæure, aUA sab.
may be higþor n"o *¿uiir *ø uailø
parberan¡ z ubou. do.1o addition¿l f€€s nnd cbÈxges that rrye
*U*iñäã iíu:ouq ¡otfu¿iigättpr".v fees related to anv foreclosr'ne actionwe
arcenürled'to
initiate.

nlo¡-e., to romìtunce addrcss lisl€'d

6. Kinclly rorrrt the totat a¡¡orml thc, *howu is Paragrspì 2 lhc
t if trvo bsuffici€¡rt ftnds (Nsr) paputs
beloï,. plsase nqtc ftåîði;;;piíi"y +rir* r.to¿*
"eoñ¡u¿
In f¡,is t€ûf Chsse wü not
d"åi. acoØt t Diroct Cheoþ FastPay
hã¡e bsnu rme¡ou¿ io"*t faur;t
Plsasc rcfq' to úc add¡essçs
or s¡edpav. ?aylicm cÀflAot bs ündc ar chrse rt{sii bank
brancbcs'
quesrions.
;;ñ-il Éyrr*t informarion or çontecr ufi íf you bavc any

RcgulalMail: CTIASB
PO BOX900187l
: LOIJISVILLE KY 40290-1 87 I
I

Ove'rnigþtMaitr CHASÊ
6?16 GR.ADË I.A}TE - BUILDTNG 9
I,o[.JIS\4LLE, Y:T 402T3. I4O7

n9 obligalion to acòe?t icss tbsû the ftll ¡¡mu¡t ourcd' Ïf

7. kccpt as required by taw, we are under discrctjon apply such parti¿l pa¡nuenú
you sørd us los,th* th"-årii*o""t olræq we,äy in our-soic
acccler'tc tlel¡un and cætinr¡e
rô yow ¡o¿¡ 1yiþoutÇ!¡";üt"y dpf¿ult ót *¡uiie
our
1$4 above'
Jo
wilb'forccloeurq praccedÌngs in accordance wilhParagraph
If you or
8, Äs¡ert ånd protect your rlg[tr at f-t*tryr of the ¡rusû force¡ of tbe un¡ted stit{¡' of the
duty ae ¡ member
yoür spor¡sc ¡. ær"ilrgïrãfrvc mmjgv-¿utyr ln.ua¡og-rcüvo $ut"rv of ¡
Guarã of ¡notùer ststg or a mcmber
Texas Nstionrl c"ffi;;;-b€" of tü Nâdnal
trogpon€mt;;¡h;;;t-d force$ ofths U*ted StâtÊü' pleare senit wrlueu notÍce of tlo
reserys
a;i". d&úf ærvlce uelngttrc contnctlnfonurüon below'

Mailing Address: Châre '{ttn: SCnÂ

22X0 EnhrPrtceÞrive
Flérencs SC 29501
Mall Coile SC1-2030

Fax: (ss8) 890-6803

Enr¡il: rcra"military.orders@chase'com
 048-270965-14 F|LED
TÂRRAI'IIcouÑTY
g. Ifyouareunablelop¿ytüe¿in¡ou{p¡stdue,chaseÍ¡raveriety,ofhomeowrren'as'sistaffo
prosru,irË thar migþr belp you r*gtveyo*îår**rrtïnot*e y*íu.#;
i"r""ä *v" ouato altiíffiitt^tiÎi$ll
toä*äi* *¿-d"ú;b* whicb oftbem iúgbt te Ðpropriåte for your
Dlornlcr cLFRK
þoî cuo*t
soor æ poa3iblc at (800) 848-9380,
lircrm¡rânc€s, pteâsi cåI u$ åÊ

10..\l'hiteîhel¡arie|n¿íIlfindefauhr¡owillpeÎ'formcdütiÄtaskstoprotectoruintercstintheProperty'
including uirirs to*foî.ir-naertyai t g.rlrrili"*"È during
thodsfault' Tbis will be donol'o
¿riffir, ; d"ì; o"ft"p"- toidit¡oo, occr¡pancv ttoh{' Tq p911ibtv vout
pl"äturi*ne th; dthtlt *d;;þg lhfu t^oäå ãn time. You should qnticipâtç tut ãdy tgtü or
"fth; "f'thtio*pæîion,
pürmittcdbyyour loa¡doçtüir¡ntl
bcunodtyÇ1rã$"illb";ddtddùãanountyaulow oweif
applisoblelaw. .
soii[e åf€as. counscting in also ¿v*ilablc
ch¡se offçis hortrþuÐsrsbip counsolfug services ts bortow€rs itr
*potä]" ¡"**"tf'¡p col$$cliûg ånd aBprowd tf thc
tluCI¡gh a varieAy of noryrohf ugani*t¡o*
Senretary ofgouring aoilh"úuoffiuf.p"*tt¡I{Jpil
tfiUneof ¡uchorgâúizûti'n* maybcobfained þ
*Uios IigD t"ü-free at (800) 569429:7 or ot www'hud'gov'

Sinccely,

Chase
r800t 848-9380
iaool sgz¡s¿z rDD / Teort TelePbone
www.ch¿se.com

Enclosure

- Federal Tradc Conrmiçsicm Pamphlet

Class Mail
CERTIFIBD lvfAIL: Rehrir Reoeþ Reguestod and Fi¡st

Eligible scrvice naY inslude:

Çuard' or
'. Activc Cutv wit¡ ürî ¿rmy' Navy, Air Forcg Marins C9rys' loast or
OcË{dtúc un¿ Alrnofphenic Administation
Aolive r*oise.åb ¡ coumissioned oøo* nf-i¡"N*t¡oo"t
servic€' or
l ;t*i;;dJ ofücer oflbe Putlis l{etllh
'. dctiw sorqi* uufprcær iß ¿luø io a war or military action' or
seivicc with tbe cf a $atisn uritl *íJcn G Ú*tr¿ states
Ounrd of u snte militia unds a st¿üs call of ùrty'
u
'. S*r¡* *¡m trc Ñatimaf
you are absat û'om dutyîäueç of ¡ictcn6s, wounds, leavg
o¡ other laufr¡l cause'
,A,ny period when

at (86Q 840-5826'
For npre infutmation, plcase catl Chaee Military Services

an importnnt remlitiler for ¡ll orir crctomc¡ß¡ Âg ¡tatrd

i¡ tlrc íQÙ€stlô:ts aud Ån¡werc for üorÎowsrc
âtrrnt tbû HnnÈr** ,ötitütid;fedititv ü¡t*" ¡rt*r"æ¡ bv Íüe- obame aqrygl$o¡b
courirelngor
sForrowera chould Þeware ofany organtømräaiatt¿nplc to 0hârgo å fee for housing
scams
modlücrüon of a dellnqnent loart, etpoclaþ if tü-l'
;üd"; 4 ry9 glOlance'' Losn modlffcation
offtr
qg"s s8&995-HoP&tss84tl,5461t' Tle
rbontd bo reportoel ûo Prsvenfloan$cnmr.org, "iii
f"* oi gã, äo¡n in"o fse roqdred). lle*¡o call us tmnedr¡tsly
¡såü u,efficâüotr
at g66-550-s705 to"rrl*t"o* "l";g
rlfsc.ñ'yott optio"r."rñ. únger you "
dehy, the feler oÞtlônx you may hdve'
 048-270965-14 FILED

JptvrorgariCbaseBâyk,N.A" ie tbemmtgngcservicsforysurtg"Tt* thedulvaulhgr1zod*e9|}lffi\lffüil

LI:
eorvioins admiaisfr"t¡oo Ëi üpr¡r"tprt ñä ú; io"*m # yo.u Lost\ JPMC speciaþ Mortenry
ïrM $peoiotty Mo*gnge llõ,îù",åot to o ''*iy-ïffir" ilrdÞlsrRlcr eLERK
Átl notices, paimeirts'coresp@donc4,
oùsr óm*onicaüd;rçprdüdyourreal çt¿tuf"oonã¡U¿ continue tobe directdto Chase'

,rile a debt, and any informadon obtnlneil rÚíÙ bs used for thef pwpore-
¡re attonpting t¡¡ coilest
yoür rüomey anil prÓvidè uÉ with th¿
If yon srê reÈteæüted by *n atorngyi please-refer this letter to
ãttotnoy's n¡mer aildr€ss' anil teJêphone numb€r'
an autsm¡ûc øU o$auryugç
To ühs srisBt yOur ol8fnal oùllg¡{pn na¡ 4l¡phcrgeiti är l¡ *'übiert
tq
rl uttistri* C"¡u, tlifr is ror coupltlnce ¡ndlor l*folmûlipnrl purp$es
uurt*. fiüe of the
""üä. linbtüty for such
onþ anrt no.er not conrtil;t;ã.mp¡ tít coneci ¡ debt or :o fuposd ¡nreontt
redrr fte f¡glif to
tfgùb ,iüd-.t itt recitfifyinrtmmet't, tncluitlng
öb1gntíon l1orrerretr, s sesursd par$
foreclose its lien

Þï11034

ù.
i."l
 048-270965-14 FILED
TARRANT COUNTY
An lmpprtant r,nessage from the FederalTrade Commlsslon PM
WLDER
CLERK

A note to
Homeowners
trouble.paying their mortgages' S-o¡ne claim
o be
Facing foreclosurÊ? Sca¡nmøs are targeting people !oúç The
able to,,ressue,, horncowusfs Êort forcclor**ri*ttitt
odog ptootis" toan nodiücations- for a &e'
protætion agenoyâ wâi$s you to lçnow h$w to avqid
x,ederal Trade Com¡nissio¡i, the nation's ooo¡rrur
go fiombad to worse'
scarns that could make your housing situation

Don't Get Hit bY a Pitch- lmitations = Fruslrat¡ons.

Some con *rtists use sasrcs, phonêaimbeÞ "uûd
"We cøn sroP Y otll Ío¡eclosute! "
(97o/ø rate!t'
success
*rtritut m mks it look like the¡¡'re part of the
lo srve Yoai homet'ù
üovemment. If you want to contact e goveri¡rncnt
"Gaaranteed iuuoot,bme thð wcb address direclly into
Thesefidnds of claims are thq tell'tale signs of a
iotå$f$t*t r¡p-ofr Steer clehr of anyole who offers
oã* úiot"itr and look up any address yôu âren't
äne about. Use phone numbors listod on agcnqy
an easy out.
*rt*¡t* or in otLer reliable souto€o' Iike ¡lre Blue
ii"d io y* phone directory. oon't {ick 11 liuk*
Don't Fay for a Prornise. otãp* i"y au¿ohmeot* in uaexpsoted emfils'
Donrt pay any b,rrsinæs, Orgnniratiti4 Or Psr$on
who piomises to prevent foreçloqr¡rs or get yçu
¡
new morfgage, Tha$e so-callèd "foreclosure resoüs Talk to a HUD-Certified
rotp*fi'ilui* tbey caa help saw ¡rour !ome' Counseling Agency - For Free'
but they're out to mâke a guick buck' Somo nny tfyou'rc barring kouble qalng your moÏgage or
you've ate*dy golten a delinguency
regursib"*y fees in advnnco - and tben stop, TI!c-'-To
tri"-¡og your øus. others ü¡sy string-yoÏ3bog äü awâY: C81 t-8¡8'995-ËoPE
ie¡p it a phone
hsfore iiscrosing their charges. €rrt offalldealing fot?"* i*onalizcd sdvice from housing counseling
if someone insists on a fee. asenciès cei{ificd by the U'S. Departmeot
oi Housine sntl Urban Ðwelopmcnt üruD)'
Send PaYments DirectlY. f¡ie nutioiuthatline -open 2417 - is opeqted

Sorue scammçr$ offer to handle fnancinl

;t tb; Flomeovnçrsbip Preservationfor¡ndatiou'
a'nonproftt rc'rnþer of the HOf E NOS¡
arïanscments for you, but then¡¡st pocketyour
p-lLjih, Senit vour mofigâge pavments ONLY to ¿ú*" ofmrtgage indu*hy members anil
l'ruU-ccrtified cðunseling agenoies' I¡or ûse
you$mórtgage serurcor- For
amidance online, visit wrvw.hopeoow'coú'
Ëã"'itf¡t-ttion on thePresident's plan to helB
Dont PaY for a $econd OPinion' homeowners, visit
Flave youupptiø for a loan modiñcation aadbeen 1¡iv/w. makinghomeaffordable' gov'
tr*.,í¿sdtiNsver pay for'a "*ecoäd Ûpinion"
Federal lrade Commission

@ fr c. gov/TvfoneY\t[atteis
 048-270965-14 FILED
TARRANT COUNTY
317120'14 3:09:31 PM
THOMASA. WILDER
DISTRICT CLERK

Call

.:':Jt1
^'tJ i
+I:ùilçT'
1-8BB-995-HOPE
1'' ':.*r
'
"'t.*ì ri
cerlified
for ûee personalized guidance ftom housing counseling agencies
bytheU'S'DeparhentofHousingandUrbanDeveloprrrent'The
Ilomeowner's F{QPETM Hotline - opet24l7 - is operated by the

menber of the
Homeownership PreserYation Foundation" a nonprofit
and
HOPE NOY/ Alliance of mortgage industryriæinbers
HUD-certified counseling agoncies' Or visit

www.hopenow.com

to heþ homeowners' visit

For free inforrnation on the President's plan

"K'. www, rna ki ng hom eafforda ble' gov

ii.l, r!¡ir,
, nt ot

9!pPoil¿.€uldrn ßc'[ot'Ìf âmeùwmtt

ffi*
IvIAKING HOIvtX Áf FORDÅßLE' cov
:1
" \ ,ili;i.
i'r
 a48-270965-14 FILED
TARRANT COUNTY
3:09:31 PM
t+ WILDER
CLERK

øusÆÊoilf
óuFtTeL
Îøk I Con¡ñ
þ 10 frad(&lg lFlnd

& Confirm '1

'i-| il¡
.+ü 2ô,2û{3 J ÆKgbihiu¿Flpzos ù.r
¿i,
rlt0tüt5¡¡¡õ0lrü¡¡¿f t n¡r.qa* l¡s¡o th$ên USPS 8ör't
[4s¿:20i3.
É.r¡ñr
-t¡
i c¡üþu"¡¡
¡ùàrmitôn4t gedrdtrc

ifu*"r*t otft ir$qeil ?ûi3,t¡22 Þm. JÁrito$nlE Fls¿ol

tr¡dÊáü.iË.dlb.
lc**eEr-r¡rt ¡fs 2i¡,.rþ19¡¿1 pn coPFEr4fi t¡ö9þ
i IJSPS SbôFFdql
.trne *. &1b D(?66
lonn.rE¡u-**
iFdü9
ä,9013, /¡rlr 9R coPÉErq ri( i6o¡o
iÉmrü.'iúreqtr ,fulto
r USÞg 3*l Fæll$
UmldíEd Jnâ24, iöfi.1t$ô m GR¡IPEVilE, DT?TGi
,
¡

I l.ltlhs Lln ¡¿t$2l.2t10i 1l¿2il. oRôPEVt¡8, fx76p51.

I
rl ünh MsX24,2013¡ ttg ñ GRAPÞ/ÈE Tx?ffi|
I ^rild
ËbRflToRTtt rx ?6161 I
I ooþr¡t usÞs sdl M.t ?4,1013 I
I Ê¡otv I
I
I ÞnAd¡Ftlrit¡¡b fi¡yzr, tolb, r2ltt¡¡h i$$tIyrtRnì.'rK7arÞr I
¡

I i,¡iÞqsûtF¡ürrt
fue¡sllüt¡o¡ asfSâ,zttr, tllseih !
foúffrr¡öÊlH,TXToiil I
¡
I uÉns soririnnty
¡ tilryZli?0t3 cDlulålljÈ oH 4b¡ro
I |9nÞr.lUees.¡at
IfDÐB'
¡
ÈÊy$r2olg,.F.tf Pn çôrofbus.4l {8¿'lo
d Ingçtçr4rrusFù
I r Ch*|SoíFedW
l¡*ro¡o¡usP€ r¡rr 2t,2dlt,3ft 0n oouhru.s. oH 1321ß

orlghso4Érd¡ry
EÈdr¿ird 8ñlpphd ltufe
l

Clt€ck on Ânçúðr llsdl

wtEi¡.iûr låbql Tör rd*tül)f E0bÈ|?

:., "aî

'{
 i'
'i Chase {FL5-?734)
P.O. Box 44090
EHA5E#my,:*l'ff
Jacksonville, FL 3223140S0 THOMAS A. WLDER
ilililffiffimffiilrilffil[lilllil DISTRICT CLERK
?190 10?5 {.60 2¿95 3186

May21,2O13
ooo!¡¡00 doro cs r4lls -Ew0':t4

JAilIES MICI.IAEL C REGSTON

2lû0 wt{rìry HWY SUIrE 11L1111
GRAPEVINE. TX 70051-E0'l I

-t
. ..: :'

,. l
 chaee (FL5-77.34)
P.O. Boi 44090
tHAEiå &*o*,.J,ikF?
31712014 3:09:3'l PM
THOMAS A. WLDER
Jacksonville, FL 32231 -4090
ilil[ilffirffiüililfirilftilr DISTRICT CLERK
?i.90 ro?5 e¡eo zzss3'{Fe

May 21 ,2013

æoo68bb tDlo os 14113 'BwF4

JAMFS MICFIAEL GREGSTON
2100 Wrw l-M,Y su¡iE. 114-1 I I r
GRAPEVINE, TX 76061-861 1

óflnJent to Foreclose)

Property r\ildræs:
GR-AIEVßIE, Tx 7605 1 (tho "Pioperty')

DCAT JAMES MICIIAEL GREGSTON:

securing yout Loan' JPMorgan
, unds the terqns of the Morlgageor Ðoed¡f Trust (s€ttüity Instium0nt')
of ürefollowing:
' lihñffi;¡,¡' ç'cuase'5tÉrebv notifies vou
witb
to pay tbe requirOd ffiiothty instaltmsnts Comencing
l. You are in defauft because you havc failcd
tbe paymart dqeJânuary l, 2010'
- . .¡
prinoipal' intcrÉst' aud oscfow if applicùla)'
2. .As of Ma¡r.21,'2013, tobl {inoluding
ry9i*ly-eaymenrs a*Ä*u* douuo¿*rthetems ofyourloan
Iatefeoo, in¡utrci*itn¡s (NSÐ f*r,äääË-î#id
il0i:ff;ö1',þ *-t ¡"; nttr past-duc bem
below'
ammrltiF itecriæd
docunenæ in rheroral amounr of paid out iiad i¡ra duo
,my t uu" aaåffional esðrow allrouÚ;-iiåt have
If applicable, your acc,ount
on tle Loan"
as possible at
dd¿r:iletl below, Ple8sè ooDtå{'tr¡{¡ âs soon
If you have ani guestio'ns abo¡f tho a¡lounts
(s00) 848'e380'

Total MonttrlY P aYrrents 9102,1n.75

Late Fees $0.00
NSF Fees $0.00
Otbcr Fees* $60.85
Adr¡ances* $1,024-59

Amor¡rt Hold in SusPenso $0'00

*onà p.es and advances include those ønounts ansessed in accordø¿cewith your loan
prr*ltii ii
,pinruw" løvt¡, or that rrwe authort?.ëd'{or te''''¡æ''
doeam,nts, onaw
addttnølit{ornøønregardíng any of thue qttoilnts, please
rendered, Ifyou need
conløct tts-øtlhe ffitmber pravidad bølow'
tboÌlaÞ ofthis klfÊf thrcugh
due f¡om
you arç also ræponsible for payi+g a¡fy-cÏryuy.s thât bççeÌrþ to'
iÃüg"fu g ¡otnu''îü;suütou"t$may inchrdC but areaotliaítËd
the *piration daæ sø fa;l ¡ã
 FILED
TARRANT COUNTY
taxes, ínsurancq inspei:tioa fees, -u o*.*olålÏiflh - applicable lnw 31712014 3:09:31 PM
THOMAS A. WLDER
listorl in Poagraph ?ÞlsrRlcr CLERK
3. Âation reryird to su,¡ fhe dckule yaü m¡st pay tbo Totatlvfonthty.la:eonl$ fe€s, NgF fcee, aad
uithin 35 days tom üeîårÊãi r¡ir *ri* h ;;dË to *to t¡l* ¿sfsllt. All
latû
*rurilf wi[ ø rçaid rurdu the tertns of yogr loan
o*" f-o ¿lA taU¿
"*
næ¿l be
docume,nts.
"*rour*
i¡triil accelerate tbe
4. If you fail to urrf" n OufuUt wittin 35 ih¡q ûom tbc dntc of this nrticc, CÏase
ädl¡åDses} decl¡¡c
ni¿¡{ruily of tte Loun, iññâte y"* fipe U Oc f.oatt pt*ides fot revolvlng
""øni
mrun$*t fo'IElñnt"ly dúè a¡¿.pavabþ *¿ ryrygt"
i.try.t:*t*
oll sum¡ eccureil loy &e $rmrtty
proceeding, aU withÑ fi¡rths notiæ q *ilpry* Cl¡asc lltin Ue entitld' to collæt its
Vou. ff tni¡
s¡(pÈnsrs ilcurr"aiofri;t"g th.;;;rdd.ptouiãio
åL:Sórnilylnutnrrrent' whichrnav irrcluda'
pennitted by ycnr loan
sud othd e*pffi€s
but not be limited te allowable fomlo*urdattoffifcee,
docume,rts or aPPlicablo law.

5'Ifpermitte<lbyyotuloaudoçumcntAorapp.licablelaw'yoìlhaveüerighttoreinststeafrcr
aoccleration ot *un ååt¡oo i0 etücrt the ¡onexistixns of a defat¡lt' or
tf* mlîai¡-rtu ,i6t tt Ëitg;
the a$ouût fq'ircd to rcinstaæ
ury ûtb* deîenr* ro ãäi*i*Aî.te.l*.{ ,ølo lto*uvø,
w
may be biglrer tU* *f¡aii*
""d
;ïùd*dÈryPaßdüä *"y *.to. tdditionat fçe* a$ chrrge* that
relßtedtö anv rorcclixrucaotionwe
are esthled bèolt"ct'i;d;;;-L;öî;1"Ãiöü*vfcc's
initiate.

6.Kindlyremitthetotalanrountdue,thou¡¡.inParagraph2+ryj,to9"'oi'itt¿ncoaddiùsslistÊd
if two iirçufficimt û¡nde NSn paynmts
below. plca¡r *t" ,¡,,lõ*r
pãü"itoqu¡** *tffå n*a"
FastPay
have bgco recêiwd in the l¿et tñî***, chr:e will not acoect a Þirect check"
six u¡onths. h
¡*tk'*tttu*' Phâsc rcfqto theaddræsss
or Spædp*y. r*v**Ë-Åï*îltî¿"st¿ñe;;tei{
any qnestions'
informsri@ or sontac'tui if yolbave
ü;i-t-i* ú1,rt*,
RegulatlMait ci{ÄsE
PO BOx 900187i
LOUISVILLE I(Y 40290- L E7 I

gvemightMail: CHASE
", 6716 CRADE LANE - BTfTLDD{G 9
, LOUSULLE,KY402I3-1407

7 src ünilar ry *,gî",îtge;gîîåffiHriiffi#;#r,'f-,

, $xcept ar required bvthelaw,ftUw¿irdt¡¡tt
t*d u¡ f*t o¡r'ed, vt
t* thrin
*"i"ing *]t d.f""lt ø *iuiig o* Itgttt 1" accelerate the l¡¡n and cohtiuue
to your Loân withort
4
riúi fnt tr*,tte pt cæAing* io ¡ccordance with Paragraph above'

g, ,{srert Ênd protÞct your rightr sr a-meEber of fhe

¡¡eeit forces of ths unltod $trle¡' If you or
dÛty âs ¿ member of the
yotrf rpousç t cerørnfåo a-ctive miuøry-drty, ftn.lrdùrqryu of a
Teras Naüonalçuarl a þeinber of tUeffedonal b*"ã -d""t or aûeuiber of tbe
of anothcr ståb'
please*euÙwrittnn notice
re$ervs.orpoo.xtåïlf*'ffiãi;t*üih-Iút"d$tater,
below'
r"it"t øUt*iy Perviæ wtug the rontflct hforimåtion

Mâiltng Addrcs¡: ChueÀtb: S-CRA

2?10 tnteqrrtsPÐrive
Floronce, SC 29501
MalI Co.te SCl-2030

Fax: (8ss) s9ù6803

scra"military.ordere@chas e' corn

Ernail:
 FILED
assist¿uce TARRANTcouNrY
g" Ifyou areunabreropaytboarnouotr-- tffäläilk*"hompo\ry¡srs' *ï*¿
prosrarns that qrehfhetp you rcsorveyo*ãår*"ri r"¿ t".p:-riu"tä]t""**
to

you ro disdr¡ss r¡*r*Jpù""íi t¿ ¿ot*mine ;bich oftucnr

nri"ghl.!e- pnropriate for yow "*1fiåÎitt¡1"^?'ltÈk
DlsrRlcr .LERK

circrsrstancss. rlæ¡å cdt us as soon as poesÍblc

at (800) 848J)380' /

pcrform o€rtrin tåskß to proteot our inlercst in thç

P¡op*ty'
lo. sfhile the Lsan rsnains in default, wÊ vria
Thfu uill bs done to
including visi6 to your Pro¡erty at reg¡rlsf itk*.tt ,t-ttti Utt ¿uf"Ut'
p-ö *Ãaoto& oc4upaûqy stalus, and ¡ræsibly your
dcte,*inç, as ofthe daüc of the inspætio¡, ,iä ot
plans fu .*ioe Ë; äóf*il ;; p"'t"g ¡tiJäo åo Urtu' V* shorld anticipate that ôûv costs
owe if parmittcd b'y your loan &ç|¡r¡etrts or
inaurred by Qhasu *iu ¡" øo* t" tue *,o*,rt vo" ""*
applicablc law.
is â'lso svailsblo
to bonuræls in so¡rp arcas' counscllng
chaæ offers homeo$,nËrship counseling servicæ approved lty thç
througb e variety of no"ñltt ;tg"t""i*
*p*ät"d l" ilt*ä*t*-np counsp'ting a:id
töiï;A -*¡ óte"oizations m*y bc obaincd bv
Seçrstary of r.Iousing and Urban-Ðry-q1p.qt tt "i
.äi"e IiTt tou'fr'õ ¿t (800) 569428? or ¡t wrrs'trud'eov'
Sincerel¡

Chase
1800) 8484380
isooi ¡gz-os+z TDD / Text TelePhæe
www.cbase.com

Enclos.ne

- Federat Tratle Comniqsion Parphlet

andFirst Class lvfail

CERTIFISD MAIL: REh¡rD Receþ Requested

¡¡rn tgBfR I}E?E¡{DBI{TS

frvf oRTAJ{f NorlcB TO SSRVtcEll{trMBBns for bssefit' and protections
If vou arc or r'c€Ðrl/ rvçre õn cctrve dury
o, *riuJiäiä i*-r"vïi "ueut"
&orn forælosure or
unrrortue fêderî¡ srrui.ell,ätC"il
k"l¡"rn"i¿iõüt:+hñ ¡itttiui¡tottctiou and stats tuiltkry
wicrÍon y'ou rny aleo b;;ü'öt;ã"; il"6" ?:td ilt"t{ú*
under state law' $CRA

berrdïts and prôtectio's

¡rvtí' ätl¡J*p*a*t of au clisible servicernember'
"rtîñlîutì"u¡tur"
*.
Elisible ssvicc rnaY inotride;
Forcq Mrri¡s Corps' Ûr CÛast Ûqarü
or
Activo duty øt¡1îî nrmv, Nuw' 4jI ^Ji¡ï Ailmbirü¡rion
. Active service as a comrnissioücrl og.o
Nutio*f öceauic arrd
'{mospberic
or
. Activeserr¿ic" ; ;;ffissi;ud officerofthelìrblie Health$svicc'
in a war or militarv *otion' or
. Sqr¡ice *m rn ïrääi" ootio* r"¡r¡*i;ñ;"î;';d;t¿t¡s *.aUAduty, cf
mll of
, ., senr¡ice uith the Ñation¿l coar¿
of a søte militia under a state
n*" ¿"tyîä"tää"t*"ãt, wannds' iàve' orothø la¡sfr¡l s¿use'
,qny pcriqd vù€tr däõ;i

For npre infor¡fiction, plcase call Cbase

Military Service at (866) 840ó826'
rQucstlonr antl Answers for Bolrrowers
st|tsd ln the
an impor&nt reminilar for ¡Il oür cnrtomer!: -Âs ir"" ercmotà nv tts Obsms Âildriictrâtio&
.,#uñ'"tilÑj shbilö '
atrour rhe [omcor'o*, r feo for houring cüunsèllng or
..Borrowers should bçware of any orgrrtzation'ffi;ttú¡" :btlgt modlñcatlon sceme
if thtÑ;tt"ü a fee iD sdvsnse"t Loair
modlfication of a ilellnquent lonn, ec¡rccf*t$ \lve offer
uhûüld be reportdd to ÏryevetrtloatL{ð¡¡s¡'"'g'
ïtbo'-ål;g s-ä-gglgorr; 88&99$4673'
please ce'ur rmmodtateþ
aserfÀ;ã-ãr*rrrs4äå" ilãaiffiorn {ec reçureo¡.
lo¡¡ modifie¡ncn ilöu v*
rus aclay, tne re*er opttonr you mry
havc'
at góó-s5*5705 to {ircuss your opfionr.
 048-270965-14 F|LED

JpMorg¡u chaee Den¡6 N,A. is the mortgage tsvicer for

your 14* *{: rtuþ authoriz*Íil ag€ùlfcr lt¿8RANr COUNTY
F sï;h-l¡¡i¿*ts'ã" * fP"úfff¡lt-',HAfi
servicing *dmtuisration for its pri*cipat a'd ûe ìnä;olryo*
l*o, nrt¡c
AJI notlry*, paymeot$' eorresponileoce, a¡dDlsrRlcr cLERx
1IIÞ1 Speciatg Mortpgc'ü¿'plÑ;i tu a writtcnïÑenenr
;th*äÃ,"i*ürö ;E,ããttíi*ï t*i**att l,*o ãtrou6 continuc to be tlirectd to Chase'

wilt be used for that pw¡rose'

îVo are attrnnptfng t9 cotlect a debt" and any lnform'¡.üon obtalneil
to yoür attorney rnd prrivlde us wlth the
Ifyou repronetrtçd by an attorne¡ pleare refer tblr letter
'are.
attorneytl namg addroÍr, and tolephone tru[Þen
it to a[ autom¡tlc úay of brulmrytcy
To thç sÍtÊtrt yor¡, orÍdr"l obfígnfion war iliecbargerl, 9r {ti3* auiunr rnfornrüonrr prrposes
under fiüo u orrrre uffi¡-sffi¿i¡q thl, ri ior
lirbi[þ for suob
only ond does not *o*ütil * "ãrrã*
io coUu*i" ¿sft:or "orpr..nce
to liqf'eo perconal
t'e right .o
obttgariirn" tfcwe*er,
"Utryt
frtty'retaa* dõ;;;ú ß t"citttyiotttu-ont'lncluülng
foreclose lb lien ";;ild

819034
 048-270965-14 FILED
TARRANT COUNTY
An lmporlant message from the FederalTrade Commlsslon PM
WLOER
CLERK

A note tc
Homeowners
¡o tc
ho:ll3:yrng their mortgagcs' {ome claim
Facing foreclosûfc? Scarnnrsr$ aro targeting neol\ lav9,C fec' Tle
,teseue,, homeounefs &om fOreclosufes'$'hile otãers promisí bãnüodiñcstions -
for a
able to to avoid
**ot p'utestion ¿gçtroy' $¡ants yo$ to know how
tederal lYadc Com¡plssion, t}e nation's
go tom bad to worse'
*.u* ttrut could mcke your úousïng *ituation

mitations = Frustrations'
Don't Get Hit bY a Pitch- I

Ssrna oonartistsuse nsmss'

phong
t'Vle cu,n stoP
Your foreclosurel" like
"otlt*ud
they're palt olme
websites to make it look
'97% saccess rule!" noo"***t.Ifyo-uwmt to conta¡;t a govÐrnænt
"Guarantceil to s@e Yottt
home!'
üu*u. tvpc thå web address directly into
f¡*o tiuA* of claiss ate tbe teil'talß signs of aoffers ;ild;;i*à¿ anY addressYou arent
uokuP
f*tã"st* ttp-ofr Stser clear of anyonewho å"* .U""t' Use pboue nurnbers listedon
ogen-cy
an easy out'
ffiffi;; io reliablc sowses' like tbe Blue
"rilo diractory' Dor't qlic* links
il;;;Ñ phone 91
Ðon't PaY for a Promige' otip* aoy attachments inunelçected
emns'
or pçrson
Ðon't pay any business, organization,
you â
*¡o p*irit*t to preveüt foreclosuro qr 8et ßscue Talk to a HUD-Certified
o* *o*gug". Tåese so-oallcd "forcclosurs
Counseling Agency - For Free"
äåp.J.í""tlaim $ey can t9þ 9av1ryur hornc' y"i 1g]ltå'-i
Urt neyte out to makc I euickbulþ So1rrnay Ifyou Tc baving troubþ qu.v*s
yoi'ot akeady gott€û a delinqucncy nonce' ree
,u*.tí¡"tv fees in adva¡ce - and tben stop
iãrr i* a nhone câlt away' Call t-t8&995-UOPE
;il,'in;Ë; caus, others rnaY strbg You¿tone
ät"ft --ü;;il"tJ øí¡tt fron housiag
counseling
Ëfot"-&lfutttg theb cbarges' Cut otralt dealings
if r"m"ont insists on a fte' rg;;tJ certified by the U'S' Departmnt .
#ä"*itte aucl Urban Developmenl GIUDì
sË,tJ¡ Payments DirectlY'
tir ""ii.ñ"r
hotline - open 2417 :is-opt1tlÍ.
Uy tttu Uo*townershin PresqxTation F-ounoanon"
Some sca¡nmers ouer to bandle fin¡npial meabff oithc HoPE Novr
ãi"ipt"nt
ãrãogt**tt foryou, but thenþet po:kt:J,o* Alliance of mortgage inúustry members
and
;;ñ"t fu vuq*t'gug" PaYments ONLY
Úo
agøncies' For a"ee
HUD-ceftified counseling
your mortgage servrcer'
Jd*"" onlino, visit wvr'w'hopenow'com' lor
plan to help
ã;hf.ñ¡on oo ths President's
Dcn't PaY for a Second OPinion'
been
homeowners, visit
aarl v'
Huu" yoo uppnø fot a loan nodifiuatios www.makinghomeaf brdable'
go

r.r*",i ¿o*of Nevçr payfor a "secoÞdlopùtioo'''

Federal Trade Cornmission

@ ft c. gov/lvloneYMatters
 048-270965-14 FILED
TARRANTCOUNTY
31712014 3:09:31 PM
THOMAS A. WILDER
DISTRICT CLERK

-+iì}lii
Catl

1-888-995-HOPE
for free persoualized p¡idancs from borising counseling agencies certified
by the U.S. Departmeint of Housirig and Urban Dcwloprnent' The

Horneownerts HOPET¡¡ Hotline - open 2417 -is opetated by the

Homeownershþ PresetrâtionFoundation, a ronprÕfit meurbgr of

the

HOPE NOVI Alii¿uce ofmortgage industry rnembet's and

' HuD-certified couttsefing agËncies' Clr visit

www.hopenow.com
,t'Ìt
I
{ìQiic' visit
Fo¡ ftee information on tbe President's planto heþ homèo,wners,

www. m aki nghomeaffÖrdable. g ov

H0pEt0
srlporl,&{uldrncc:Fst'lômrúÚml-ã

.1,,
..i íi
'i;:.,j:'. j
ffi*
MAKING HOMX AFf ORDABLE'cov
 048-270965-14 FILED
TARRANTCOUNW
PM
WILDER
CLERK

ËU5nÍff},l,f
ÍFhd

& tonfirn
clt
J¡¡00 2E Jhgqo[v¡l¡c-, F"å2uß
?itotozs/iacous3r'¡åò Fid+ÞLlàilf'
I
cdþtri¡lr
I n¡frn ÊdÉ¡Fg*æ'¡ô
I I
I I
,r,rirßd¡!4lsi fl.r?2ol
leru**lurra,9lr !l'rc-ä,åfã"aragn
lirsÉéúbnÉflütt :
i p.pr*a ui¡¡¡o¡ I JuihlÊ, airo.?:{ tr¡ cÕeéelç fl tdÔ
I usPs si¡lFadry
! .ppç1t-n<rÈrln
l
I ip"øtrJsPá sort .¡ne26,2ù15

i r¡try
PriÉryådthþlr Jit¡a:É¡ 2õ'tã, lrtT Itn
I I
usP$Sô.iÉr¡lù
Unfiliml, Juidgå,?013. 11Éå u ðÊFPEvlNEiTx.Togdr
I
t
cRpÉvNÉr*7iú{
I
I lhruzr.$+ir:rsm
I
l ütPftr,,&È.ss.it
FoFil+óKIh, Tr( ?85¡¡l
i F¡d¡y i*t'ro,.*t
I Pn¡ttJod llnudt I my al, atrrs'
lz',to ." i
¡¡ntwoirlr, n<toror
I uspgEqtf.dnv
I I uå!¿t,sol3,ll*'Frr i romwonrHri,?tlei
PDrÊell{ìibt¡h
usPÉsmedfv
i¡hy¿t, âolt cÖLulælJ9.ox 4åarô
Dtprt u$PSSÛl
É.dÞt
p@rteôddtËPg ¡¡ã!,21,2ilù eü Êû coLOt[BUs, t¡l at2lB

i, Orloln EolfsoÛY
tut¿d.?1, ¿01!' qr? Patì
ÀlarÉ¡d.át...tl$Ps
o'tlñ'stdF+dltt'
Eí"ÉJóîFdl¡pPe€isb it¡,r2rìÛrí
ndlil*t'

Cheq* oí
^nölhêiltêr¡r
I'JhFtbiolr

:.',r. i,,..

;
ì ,..
ii.dii i,Ë*¡ , r ¡:r
't.l" è. ç J¿1r,¡. .¡1,.
T€xòr Cóulel: McC¿nurv, I{q[4luilôt & +{cfcunnl,ltt, LLP
Colç D. P¡Íoûr Msrs8íng Ailomcy ATTOANEYSATLAW
Melis¡o A, MdKirDq},, AÄor0ry
LrnçE J, EríclõoD, Atlomly ll53 Wççl l5tb Strest' Suite !060 A. WLDER
lVìllir¡n R. Anmorç. Altomoy Plano, TX 7f)75
DISTRICT
TELEPHONE: (zl4) ?91-3E00
FACSIMILE: Fur ê14) 29¡-3E01
omil: oñlcoñMH¿{hþ lScÉicc¡.com

All qpil fo.,i

P.O. Box 866668, Plano, Toxas 75086
ronlv ¡dmincd in C¡lifornis
-
'Only admlllcd ín eolfomiE Nebr¡sk¡ a¡d Ncvada
'Ðnly ¡dmincd in Ncw Jcrrey

a241201,4

SENT VIA F'RSTCLASS U.S. IIIA'L

AND CERTIFIED MAIL, RETIIRN RÊCÉIPT RESUESTED

JAMES MIÇHAEL GREGSÏON

2100 wNW HWY SUITE 114-1111
GRAPEVINE, TX 76051

JAMES M¡CHAEL GREGSTON

2703 NEWCASTLE DR
GRAPts/INE, ÎX 7605I
¡JlrsÍ.
t¡¡lh,,: I

Re: Texas Horng Ëquily Note

qnd qecuñty |nsùurrlenl Daled: gt4fr¿o02
ts9rr.arÌ,e(s): JAMES MICFIAËI GREGSÏON, A SINGLE MAN
Original Piincipal Amount: t20B,0bo.oo
Prop6r{y AEdres6: 27Og NEWCASTLE DR, GRAPEVINE, D( 76051

LLC

NOTE: PURSUANT Tg THE FAIR DEBT COLLECTION PRACTICES ACT YOU

ADVI,SED TI-IAT THIS I.AW FIRM IS DEEMED TO BE A DEBT
ATTEMPTING TO COLLECT A DEtsTAND ANY I'NFORMATION OBTAI.NED E
USED FOR THAT PURPOS.E.

Jû ií.
rl4r r, I

EXHIBIT
MÌlA F|LE No, ïX-ll-l9535.Cfil
- FÀGE I oF 3

Iî
 048-270965-14 FILED
COUNTY
4 3:09:31 PM
A. WLDER
Texas Cgnstitutlon Artlcle XVl, S50(a)f6l DISTRICT
Home Equl$ Loan
NOTICE OF ACCELERATION

Dear Borrower(s);

Plegse be advised that the undÞrsigned lâw f¡rrn reprosents thq Mortgage Servìcer with respect lo the
referenped debt.

This letterconstitutes formal notice to you otyourdefault underthe termsof lhe Noteevidenclñglhe and
the Texas Home Equìty $ecùrity lnstrurnant (the "$ecurity lnstrurnent') securing the lOän.

According to and relying sn the information prov¡ded to this firm by lhe Mortgage Servicer, you ãre

1. Because of non-payment of all past due loan installrnenls and ofior amounB legally
The Mortgage Servicer has ACCELERATED thë matuilty 0f thg debt.
due,.

2. You have the right to reinstate the Loan afier âcceþralion in the time and manner
provided by the Lóan Doouments and you havp the rlght to brinE a court action to
assÇrt the non-existênce of a dgFault gr any Cefense to acceleration, forecþsr¡re, or
other rights reserved by the Loan Þocumenþ ahd ApÞlicâÞle Law.

3. Should you wish to req̡est a full payoff, please fdx your written requesl to he hx
number above. On youi requesl, please lnclude ygur name, loan numÞer, property
addre6s, a phòne númber where you can be reaõhed and either a fax nuniber or à
mailing address,

4. This llnn has beon relained to obtain the court order requirêd to foreolose the
p¡pperty purc¡ränt to Tex,
Çonst ârt, Xy'l, S50(aX6XD) and Rute 736 and frule 736
of the Texas Rules gf CÍvil Proceduro.

FAIR DEBT COLLEGT¡ON PRACTIçES ACT; GONSUMER NOTIGE

T.hefollowing nolice is provlded pur:uant to the Falr Dobl Collectlon Practlces Act (ACT), PuÞllc 9S'
109, 15 USç S 1601 etseq.

1.. THE AMOUNT OF THE DEET tS $309,564.60.

2. THF NAME OF THE CREDITOR TO WHOM THE ÞEBT IS OWED IS JPT'C

årr-^Ã+Ã-ãFrr-
IYIT,'K lU'ìI'T LLTJ F'll',l YYIUI ÐI?E(,IAL I T ¡Ut,¡(f U'AII'E, LLU

9.

TO
LEGALLY RECOVER MONIËS OWED TOTÞIE CREDITOR

4, FURTHERMORE, YOU ARE ADVTSED THAT yOU HAVE THE RtGltT TO CONTACT
CREPITOR, ATTORNEY OR DEBT çOLIECTOR TO DISPUTE THE DEBJ.

6. rF YOU DTSPUTE THE VALTD|TY OF THE DEET, YOU gHOULD NOTtFy THE ATTORNEY
SENTTHIS LETTERTO YOU, OFYOUR DISPUTEIN WRITING
THE RECEIPTOFTHIS NOTICE. ¡F YOU DISPUTE THE DEBT, A

MHA Fr¡E l{o. TX-11-1t5t6-ClVl

PáG8?OF 3
 048-270965-14 FILED
COUNTY
3:09:31 PM
A, WLDER
VËRIF¡CATION OF T}IE DEBTAND MAIt IT TO YOU, DISTRICT CLERK

0,

7 AI.IY POSTDATED CHECKS SENT TO THE DEBT COLLEGTOR WtL BE OR

PI.ACED FOR COLLECTþN.

NOTE: lf you rêque.et Þroof of the debt withln the 30 day portod that begina wlth your of
lltk !ê!t9r, the.law requires m€ to suepen{ rny efforb fiíriough lltigation or otheniise) to
the debt unlll I mail the requested informOtion to you.

NON BANKRUPTCY STATUS

The cÉditor and üris

have previously filed, no
knoìr/ledEe that all or

the

Slncerely,

Mctadh¡ Holìhus & Ackennan, LLP

t[HA RLE No. D('ll-1,t53ü{ilt

PAOE ¡ OF 3
 McCnntuv LLP
Tors Çoun¡clr
ColE D. P¡noú, Mú¡eitg^nomry
Molícr¡ .T, MpKin¡¿y, Âtto,mçy
'ffiRlLâN'
L¡naÉ J. BriotroF, Ânomcy 1255 $rsst lSth Stroct. Suite 1060
Wlll¡il¡ R, PI¡no' TX ?5l)75 A. WLDER
Atornry
^n]!ora, DISTRICl
TGLßPHONÊI O 14) 29 ¡'3800
eK) 291 -3E0t
FAC$lMlLE: For¡
omril: MllAolTTær?ìMllÂt¡nþlScniocs.com
All m¡ll lo:
P.Q. Box 86óú68,Plrno,Texæ 75086
tonlv admittcd in C;lifo,mia
-onlv admitærl ín Califomis. Ncörosk¡ ¡nd Novada
' Ðnly admltted in'Now Jomcy

2n4t2014

JAMES MICHAEL GREçSTON

2100 wNW HWY SU|TE 114-11 I t
GR.,qPEVINE, TX 76051

JAMES MICHAEL GREGSTON

2703 NEWCASTTE DR
GRAPEVINE, TX 78051

Re; Promigsory Note

and Security lnslr¡nent Dated: a4nooz
Börower{s): JAMES MICI-TAEL GREGSTON, A SINGLE UIAN
Oñgi¡al Pdncipal AmotlRt: $209,000.00
Properly Addæss: 2703 NEWCASTLE DR. GRAPEVINE. TX 76051

LLC

oþr
43240).

NOTE: PURSUANT TO THE FAIR DEAÌ COLLECTION PRACTICES ACT YOU

ADVISED THAT THIS LAW FIRM IS DEEII,IED TO EE A DEBT
ATTEMPTINê TO COLLECT A DEBT ANÞ ANY ¡NFORMATION OBTAINED
EE USED FOR THAT PURPOSE.

Dear Bcinower(s):

Our cllent has reqqested thst we provile you r¡vlth the lollowing communi-cation,

Any individual to whom this notlce is senl who ls NOT obligaled for lhe debt is given the following
as a'courtesy because your interest in the Froperty rnay be affected.

Respectfully yours,

MÇC*nruv, llotTHus E AcreRr¡leH, LLP

NON BANKRUPTCY STATUS

IF YOU ARE UNDER THE HTATEGTIQN OF T¡,IE UNITED STATES BANKRUPTCY CODEI OR
USèHARçED THE DEBÎ UNDER TI{E BAIiIKRUPTCY I-AW OF THE UNITED STATES, THIg IS

ll¡lHA Fue No,

of,9
 I

048-270965-14 FILED
lnRarwcouNw
12014 3:09:31 PM
pMASA. WLDER
PROVIDED SOLELY TO RECOVER THE SEOURED PRQPERTY, A}ID IS NOT
AN ATTEMpT To coLtEcr TUE DtScHARcED pERsoNAt oel¡atnon- -' A DEIIAND FOR ftilRrcïCLERK
I

thð )þb,
thls lflco
ding
pþy

IIHAFITENO.TX.l 'ctft
PA€E or3
 048-270965-14 FILEÞ
T COUNTY
3r0g:3't PM
A.WLDER
DISTRICT
2124t2014

JAMES MICI'IAEL GR EGSTON

2100 wNW ltwY sutTE 114-1111
GRAPEVINE, TX 76051

JAMES MICI'IAEL GREGSTON

2703 NFWçASTLE DR
GRAPEVINE, TX 76051

Dear Borrower(s),

Your mortgage loan hae been rofened fer lorpclosure.

JPMorgan Chase Bank, N.A. has refêrred your lgan for forecbsure. While the bfeclosure procesç
begun, you rnay still havs altematives available to you to avoid fore.ologure sale.

It'i not too late lo explore alternativea,

You may have had an unexpected exp6nse, 'loçs of income, or another circurngtanoe that has
yor¡ from making your mortgage payments. You can stillexplore alternatives to avoid foroclosure,
will need to acJ qoon. The flrst step would be to provlde lnfo.rmation to JPMorgan Chase Bank,
aboul yOUf situatþn so that JPMorgan Ghase Bânk, N.A. can determine whether you
temporary or long-term rêliêf,

to
Banlç,
or nol
at

Once JPMorgan Çhase tsank, N.A. has evaluated your information, you wlll be conlacted about
ahd next etqps.

Please note ihat even if you have previously indisalèd you were not lnterested in to
foreclosure, you can st¡ll be evaluatèd for alte¡natives to foreclosure now.

lf you have questìons, please contact JPMorgan Chase Bank, N,A. at (SOS| Sg0-g7g5.

tlHA FtrË ¡{o. TX-ll

PACE
 U.S- Postal Service .

CEFTIFIED MAIL, RECEIPT

rtll
Fl Mai! No nsu¡ance

P¡ügr È i*t:S rt
o
Ë rÞitâ :< À
Oodnodfe 3 @
ñ)
hdûñR.csd hß \¡
(3
tr¡ (gfirffintßtii{hr,} o
n o)
î
-¡ Þ* À
1¡Èrl lbqbge E
m
TX-I 1.1!53SCM Hg ACCELERATION
,AMES M¡CHAEL CREGSTON
E¡
fl- 2100 WN\r/ HWY ST ITE I ¡¿t-l I I I
GNAPE\¡INE, TX 76O5I

iS*
Eã;g
i<Ëa
o!9P¡
Fx==¡
 U.S. Postal Service ,

CERTIFIED MAIL RECËIPT

FI Ma¡l ()nly: No tîsu¡ance Coverage fuovtded)
ÍE
ru
J'
fL t!ège o
À
ru 6
Cerdl€dFæ
ri,
..I
R.h¡ñ F.dF& o
(EndoÞofs¡*Fíil*¡dt (o
o)
Ür
EI
.! ò
l. 'foÞì Þo{E€e $
m
fu rx-r t-i¡s¡5<¡u nE/ AccELERArfoN
Fq JAMES MICIIAELT GREOSTON
t¡ 2?03 NEWCASTLE DR
r!
GRAPÈVINE; TX 76051

iQ+

E; ÈË

3ËEp=
!E=¡e
 MSP@ Explorer: Reinstatements Quoted (REIN)
644 - FAY SERVICING, LLC
Loan Number:lI Borrower Name: GREGSTON,JAMES MICHAEL
REIN 0000134654 QUOTE CREATTON 03/07/tB 10:35:07
,JM GREGSTON r"fAN S rNV A4s/002/L34654 RES TYPE COñV. FC 3
ÐUE 01-01-10 CURRENT: P&I t,7t8.7L ESC. '00 INr' 9.30000
---- NEW QUOTE - CATCULATTON ------ BEFORE CHÀNSE -- MOST RECENT QUOTE
DATE OF QUOTE 03-08-1 I 03-08 -1 B
REINSTATE ON 04 -0 6-1 I 04-06-18
NEXT DUE DATE V{ILL BE 05-0 1-18 05-01-18
PAYMENTS DUE 0 0
TOTÃ]. PAYMENT ÃMOUNT 193,592 . 05 193,592 . 05
CLOSTNG INT .00 .00
ACCRUED TT CHG T .00 T .00
LT CHG FORECASTED I '00 T .00
BAD CHECK I .00 T .00
RESTRICTED ESCROW I .00 ï .00
NET OTHER FEES I .00 T .00

SUSPENSE (r) 00 T .00 ( )

MTGRRECCORPADV (r) 4,503.79 (r) 4 ,503. 79 (

** rorAr, DUE 198,095. 84 198,095.84
INCLUDE OPTIONAI, TNSURÃNCE (Y/N): N

USING PRINCIPAL BÂI.ÃNCE J\S TOTAL PAYMENT AMOUNT

l-Í
EXHIBIT

å
Printed By: carl harris on 3lBl201B 9:39:37 AM Page 1 of 1
PAYOFF STATEMENT I'ay Servicing, IJIJC
3000 Kellway Ðrive, Suite 150
March l-2, 20LB Carrol-lton, Tx ?5006
I00-495-7166
TO:
,fames Michael Gregston
21-50 W Nw Highway Ste 1-

Grapevine, TX 76051-
Iroan No: llllt
Loan T)G)e; Convent,ional
RE: Property Address:
'f,ames Michael Gregston 2703 Newcastle Ðr
Grapevine TX 7605L
2150 W NW Highway Ste 1
Grapevine Tx 76051
** * ìt** * *r* * * ** * * *** * * ** * * *** ** * ** * * tr* * * * ** * * * ** * *** *
* ONLY CERTIFIEÐ FIINDS WIIJIJ BE ÀCCEPTED FOR tHE *
* PAYOFF gHOI¡fN BEI,OW ON THE CAPTTONED MORTGAGE. *
*****tr*********************************************
These figures are due Eo April 06, 2018.
This loan is due for the ,Ianuary 01-, 2010 paymenL.
The current Lotal unpaid Principal Balance is: S 1-93,592.05
InteresL at 9.30000? L50,346.52
Escrow/Impound Overdraft, 96,793.46
Recoverable CorporaLe Ad.vances 4,503.79
Late Charge .00
Nsf Fee .00
Cema Assignmenc Fee .00
* * * *TOTAIJAMOUNTTO pAyIJOANINFUIJIJ* * * * * g 445t235.82
Funds receíved on or aft,er April 06' 20L8 will require an addítional
# 49.33 interest, per Day,
These figures are subject to fÍna1 verifj-cation by the Noteholder.
Figures may be adjusted if any check/money order prevÍously received is
rejecÈed by the instiEuLion upon whÍch it was drawn.

Issuar¡ce of this statement does nol suspend the contracL requiremenL bo

make the mortgage palrmenLs when due. A laLe charge of $.00 will be
assessed 15 days after a currenL payment is due and should be added
to the payoff total- if received aft,er that, time.
Please remiL payoff checks to the address below:
Att,entíon: Payoff Processing
3000 Kellway Drive, suíLe L50
Carrollton, TX 75006
Failure to send checks to t,he above address may resu1E in the accrual of
additional Ínterest. Issuance of this statement does not suspend Lhe
contract requiremerrt to make Lhe mortgage paymenLs when due.
Wiring Instructions:
Bel-ow are wiring insLrucLion for payoffs t,o be senL Lo Fay Servicing, I,LC
Bank Name: Fifth Thírd Bank
ABA Number: 042000314
AccounL Number: 0724L022099
Payoff StatemenE Disclaimer:

BIT
I
J
Please be sure t,o include your r¡amer loan number, and. propert,y address on
al-l requests. Tf funds received are insufficient Èo pay off t.he accounË
for any reason, incLudíng, but limited Lo, error in calculauion, NSF, or
additional escrow disbursemenL and/or adjustments, Fay Servicing
reserves the righE to decline t,o pay Èhe account Ín fulI. fn addit,i.on,
any and all accrued ínt,erest will be due at the time of payoff.
Notice to borrowers wiLh adjust,able raLe mortgages: The interest rat,e
provÍded. on bhe payoff staLement repreËent t,he int.eresL, rate in effect
on your account at. t,he ti-me the payoff staLemenl \¡¡as generatsed. Payof,f
funds received may r¡oE be applied aL thís int.erest rate if the int,erest,
rate subseguently changed.
ImportanL Bankruptcy Notice :

If you have been discharged from personal liabílity on the mortgage because
of þankruptcy proceedings and have not reaffirmed the mortgage, <lr if you
are the subjecL of a pending bankruptcy proceedíng, thís letter ís noL an
attempl to collect a debL from you but merely provides J-nformationaf
notice regarding the Ëtatus of the accounL. ff you are represented by an
attorney wÍLh respecL to your mort,gåge, please forward t,his documenL
Lo your altorney. If Lhe property is soLd, pì-ease provide the sellers
forwarding address.
***If your mailÍng address differs from the subject property address, please
contact, your Accounu Mar¡ager t.o update your mailing address*rt*
 CAUSE NO. 0I 7-293038-17

JAMES MICHAEL GREGSTON $ IN THE DISTRICT COURT

Plaintifï $
$
VS $ TARRANT COI-INTY, TEXAS
$
FAY SERVICING, LLC $
Defendant $ 17TH JUDICIAL DISTRICT

.MILITARY STATUS

STATE OF TEXAS $
$
COUNTY OF HARRIS $

BEFORE ME, the undersigned authority, on this day personally appeared Erick Escamilla,
personally known by me to be the person whose name is subscribed below, and who, upon his
oath, stated as follows:

My name is Erick Escamilla. I am over 2l years of age, of sound mind, and capable of
1.
making this sworn statement. I have personal knowledge of the facts stated herein, and they are
true and correct.

2.
I performed a search of the Service Members Civil Relief Act (SCRA) web site hosted
by the Defense Manpower Data Centet, ar7 organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System
database
(https://scra.dmdc.osd.mil/) and found no information indicating that James Michael Gregston is
cunently on active duty in any branch of the military. My search parameters included the first,
middle, and last name and social security number. A true and correct copy of the results of the
search performed on this website indicating that James Michael Gregston is not on active duty in
the military, is attached hereto and incorporated herein as if set forth at length.

Erick

SV/ORN TO AND SUBSCzuBED BEFORE ME on March ¡þ0rc

Notary Public in for the State of Texas

BEVERTYENGUSH
MY COMMISSION EXPIRES
A¡$tdg,20tg

IT
!o0
20 17 019 4.201 7 0607 1 2905325.1 g
2-
 Department of Defense Manpower Data Center Results as of : Matrl3-20'18 10:46:32 AIV

SCRA 4.4

$nrms R*port
Furermnt ln $cn¡isçTnçürbffì$ tir¡il Rdief A.st

SSN: XXX-XX-3445
Birth Date:
Last Name: GREGSTON
First Name: JAMES
Middle Name MICHAEL
Status As Of: Mar-13-2018
Certificate lD: 65Q75NST7WNYS31

On Acl¡ve Ðuty On Act¡ve Duty Status Date

Active Duty Start Date Active Duty End Date Status Seru¡ce Component
NA No NA
Thjs response rellecls the ¡ndiv¡duals'acl¡ve duty status based on the Active Duty Stâtus Date

Left Active Duty W¡thin 3ô7 Days ofAclive Duty Stalus Date
Act¡ve Duty Start Date Active Duty End Date Stâlus Seru¡cê Component
NA No NA
This response ref¡ects wheß the left aclive duty w¡thin 367 days preceding the Act¡ve Duty Status Date

The Member or His/Her Unit Was Not¡fied ofa Future Call-Up to Active Duty on Act¡ve Duty Status Date
Order Not¡tìætion Start Date Order Notif¡cation End Date Status Sery¡ce Component
NA NA No NA
Th¡s response reflects whether the ¡nd¡v¡dual or his/her un¡t has received êarly not¡ficalion to report for act¡ve duty

Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the
status of
the indiv¡dual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, public Health,
and
CoastGuard). ThisstatusincludesinformationonaServicememberorhis/herunitreceivingnotificationoffutureorderstoreportforActiveDuly.

Michael V. Sorrento, Director

Department of Defense - Manpower Data Center
400 Gigling Rd.
Seaside, CA 93955
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment
and Eligibility
Reporting System (DEERS) database which is the offic¡al source of data on elig¡bility for military medical care and other eligibil¡ty systems.

The DoD strongly supports the enforcement of the servicemembers civil Relief Act (50 usc App. ? 501 et seq, as amended) (scRA) (formerly
known as
the Soldiers' and Sailors' C¡vil Relief Act of I 940). DMDC has issued hundreds of thousands of "does not possess any information indicai¡ng
that the
individual is currently on active duty" responses, and has experienced only a small error rate. ln the event the individual referenced
above, or any family
member, friend, or representative asserts in any manner that the individual was on act¡ve duty for the active duty status date, or is otherwise
entifled to the
Frotections ofthe SCRA, you are strongly encouraged to obtain furtherverification ofthe person's status by contact¡ng that person,s Service. Service contact
information can be found on the SCRA websiie's FAQ page (Q33) via this URL: https:i/scra.dmdc.osd.mil/faq.xhtml#e33. lf you have evidence
the person
was on active duty for the act¡ve duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA
may be invoked
against you. See 50 USC App. ? 521 (c).

This response reflects the following information: (1 ) The individual's Active Duty status on the Active Duty Status Date (2) Whether the
individual left Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report
for active
duty on the Active Duty Status Date.

More information on "Active Duty Status"

Active duty status as reported in this certificate is defined in accordance with 1 0 USC ? 1 01 (d) ('1
). prior to 201O only some of the active duty periods less
than 30 consecutive days in length were available. ln the case of a member of the National Guard, this includes service under a call to
active service
authorized by the President or the Secretary of Defense under 32 USC ? 502(f) for purposes of responding to a national emergency declared
by the
President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorìzed mobilization position
in the
unittheysupport' ThisincludesNavyTrainingandAdministrationoftheReserves(TARs),MarineCorpsActiveReserve(ARs)andCoastGuardReserve
Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer
of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).

Coverage Under the SCRA is Broader in Some Cases

Coverage underthe SCRA is broader in some cases and includes some categories of persons on active duty for purposes of fhe SCRAwho would
not be
reported as on Active Duty under this certif¡cate. SCRA protections are for Title I 0 and Title 14 active duty records for all the Uniformed
Services periods.
Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with l0 USC ? f 01 (dxf
).

Many times orders are amended to extend the period of active duty, which would extend SCRA protect¡ons. Persons seeking to rely on this
website
certificat¡on should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates
of service.
Furthermore, some protections ofthe SCRA may extend to persons who have received orders to report for active duty or to be inducted,
but who have not
actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections
of the SCRA
extend beyond the last dates of active duty.

Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members
under the SCRA
are protected

WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date prov¡ded by the requester. providing
erroneous information will cause an erroneous certificate to be provided.
 CAUSE NO, 0i7-293038-17

JAMES MICHAEL GREGSTON $ IN THE DISTRICT COURT

Plaintiff $
$
VS. $ TARRANT COLINTY, TEXAS
$
FAY SERVICING, LLC $
Defendant $ 17TH JUDICIAL DISTRICT

AFF'IDAVIT OF MICHAEL FOSTER HORD JR.

STATE OF TEXAS $
$
COUNTY OF HARRIS $

BEFORE ME, the undersigned authority, on this day personally appeared Michael Foster

Hord Jr., personally known by me to be the person whose name is subscribed below, and who,

after being by me first duly s'worn, stated the following:

1 "My name is Michael Foster Hord Jr. I am over 2l years of age, of sound mind,
and am fully capable and competent to make this sworn statement. This Affidavit
is based on my personal knowledge and my position as counsel to Fay Servicing,
Inc. ("Defendant").

2 I am an attorney licensed to practice law in the State of Texas. I am a shareholder

with the law firm of Hirsch & Westheimer, P.C. My firm was retained by and
represents Defendants in this lawsuit and I am primarily responsible for handling
the present matfer within my firm.

a
Attached to Defendants' Motion for Summary Judgment and included as part of
Defendants' Summary Judgment Evidence as Defendants' Exhibit 3-A is a true
and correct copy of a letter sent to James Michael Gregston ("Plaintiff') on
October 30, 2017 paying the amount of $3,000.00 to Plaintiff as a cure to
Plaintiff s claim regarding the amount of closing costs charged for the subject
loan. This letter and the $3,000.00 was sent to Plaintiff within 60 days of when
Plaintiff first alleged in his First Amended Original Petition that the closing costs
exceeded the cap for closing costs as set forth in the applicable provision of the
Texas Constitution.

2017 019 4.2017 0607 /290s 47 8.1

4 I have read the foregoing Affidavit, and all of the statements contained therein are
true and correct and within my personal knowledge."

Michael F. Hord Jr.

SUBSCRIBED AND SWORN TO BEFORE ME on this day of March, 2018

EXAS

BÊVERTYErcUSI
i¡IYCOMMISSION EXPIRES
A¡¡l!il3,2019

2
 ffi ¡-"{'R$*l-ì & Wffi ST þ4 Ë r þ4 ffi ffi
'fi.::'! lti:.i1, ,¡¡'.,:: :, .t:.;tlt*l;" ¡
T.713.220.9182
F.713.223,5319
mhord@hirschwest,com

October 30,2017

Via Email and Certified Mail

James Michael Gregston
c/o Robert "Chip" Lane
The Lane Law Firm, PLLC
6200 Savoy Drive, Suite 11.50
Houston, T){77036

Re: Cause No. 017-293038-17; James Michael Gregston v. Fay Servlcing, LLC;Inlhe
17th Judicial District Court, Tarrant County, Texas
o'Property")
Property Addrcss: 2703 Newcastle Dr., Grapevine, Texas 76051(the

Dear Mr. Gregston,

As you know, the law firm of Hirsch & Westheimer, P.C. reptesents Fay Servicing LLC
('oFay") and Wilmington Trust N.A. as Trustee for MFRA Trust 2014-1 ('o"frustee") with respect
io Trustee's Home Équity lien on the Property. As you also know Trustee is the cun'ent fÏrst
lien mortgagee under a lôan provided to you which is memorialized by a Texas Home Equity
Note atrd Security Instrument dated March 4,20t2 (the "Loan").

After filing an original petition in the above referencçd litigation, on Septembør 18,2017
your attorneys fìled a Firit Amencled Petition (the "Petition") that contained, for- the first time,
âllegations tirat the Loan violated certain provisions of the Texas Constitution relating to home
equily lending, Please be aware that Fay takes these allegations very seriously and in response,
has reviewed the merits of your allegations,

Fay as seryiçer f<rr the Loan and on behalf of Trustee denies any liability and, without
waiving any clefects in the form or service of your attempted Notice via tho Petition dated
September 18,2017,provides the fbllowing lesponse to the alleged violations,

The violations ret.erenced in thç Petition are:

a) Fees and charges to rnake the loan exceed 3 percent of the loan amount. Tex. Const.
Art, XVI, Section 50(aX6)E;

b) The loan closecl before 12 days after the original loan application was submitted to
the lender or before 12 days after the borrower rcceived notice that the loan was
governed by Texas Constitution, Artiole XVI, Section 50(aX6); and

EXHIBIT
ì4liri L-o,-ri!ììrrrìä ,.lli'iii |ii*i:r li$ilrlÌí)ri, li:x.¡l; i'7Û$2 I li:i 1lì.i i't:{tì litrtit'11',4'{'!ìt't{}iil tto
o
?û t?0 194_2û I T06ri't t2ï?.a186J ô
I -
James Michael Gregston
c/o Robert "Chip" Lane
October 30,2A17
Page2

c) The loan must have provided that borrowers (sic) would receive a copy of the final
loan application ancl all executed documents signed at closing. Tex, Const' Art, XVI,
Section 50(aX6XQXv).

Atthough the Petition references and attaches the wrong I{UD-I closing statement and is
factually inaccurate in many ways, Fay on behalf of Trustee is enclosing a check payabi\e to you
in the amount of $3,000.00 to the extent Art. XVI, Section 50(a)(6)E has been violatecl as
allegecl. The amount shogld more than cover the amount of fees, if any, that were charged in
r*.ð** of 3% pertaining to the Loan, This payment is being macle without any admíssion that a
violation occdrrsd, out of an abundance of caution, and as a timely cure to any claim made by
you that fees ancl charges for the Loan exceçded 3 percent ofthe amount financed at origination
of the Loan,

please be advísed that no

As flor tlie alleged violations set forth iri b) and c) above,
violations occured or cgulcl have occurrecl basecl on the loan documents signed at closing anci
applicable law.

As ilclicatecl above, Fay and Trustee continue to deny liability for all claims alleged in
the Petition. Nothing herein shall bc construed as an admission of any faet, claim or allegation,
Further, nothing herein shall be deemed as an election of any right or remedy utrder the Loan or
applicable law. Finally, through this oure and acknowledgment, neither Fay nor frustee waive
thô right to enforoe Trustee's lien on the Property pursuant to the doctrine of equitable
sr;brogation or the original terms of thç Loân, as adjusted by this cure,

Sincerely,

HrRscr-t & WESTHBIMER, P.C,

Michael ir. Hord Jr.

MFII/bde

2017 0 19 4.2A n A 607 I 2&201 86.r

 AV
F
t:AY Sür{VtCiNG
FIFTH ÏI.IiRT)
I
ÉsûR0w fir st3uflsË cLEÂRING CHECK NO. MOII]AYffR

STRVICING cH7 A4F

00001 34654
00001s4654 3€0876 10il3812417

AMOUNT
FOR PAYN4ENT OF MISCELLANEOUS EXPENSES
$3,000.00
volo rF NolcASl.lED WtrH,N 180 0ÀY$
PAY TO JAMES M¡CHÅEL GREGSTON
THE ORbER
2f 5t w Nw HIGHWAY STË 114-1111
OF gRAPËVINE TX7OO51

/\Ul-r-Jon,zÉo
Thrsr] Thouecnd ¡nd 0tll100 Dcllars

in4flt å 1.,tlrlÁif,ii lii.,ìíì!:ll!ìÌl T:rl1l

rrr lËnå ?&rrr ¡!ß ? Il l lf Of ¡! ? f,l' ¡ ?l* lån *il'

Disbursemcnt Cheek Voucher

PAYEE NAMË JAMES MICHAEL GREGSTON CHECK NUMBHR: 360876
& ADDRËSS 2150 W NW HIGHWAY STE 114-111
GRAPEVINE TX7ô051
1
CHECK DATË: 1CI13t12017
PAYEËCODE: 000013465¿l
BATCH: CH7 PAGE 1 OF 1

sHORf NAMEl
INIT NAMF/ TRAN AMOUNT
LOAN NUMBER PROPËRTYADÞRESS DE$CRIPTION coÞË ÞATE DUE

0000134654 JM OREGSTON 6ClL 3,000 , 00

Check Totals: 1 ltem $3,000'00

.......,...-,..-,.. .*...-..'*........"..,.,..
-*
UPS CampusShip Page 1 ofl

UPS CampusSh¡p: V¡eWPr¡nt Label

print dialog
1 . Ensure there are no other shipping or tracking labels attached to your package, Select the Pr¡nt button on the
print the label.
box that appears. Note: lf your browier does not iupport this function seloct Print from the File menu to

2. Foldthepr¡ntedlabel atthesolidlinebelow Placethelabel inaUPsshippingPouch. lfyoudonothaveapouch'affixthe

folded label using clear plasiic shipping tape over the entire label.

3. GETTING YOUR SHIPMENT TO UPS

customers with a Daily Pickup
Your driver will pickup your shipmeni(s) as usual'

Customers without a Daily P¡ckuP

Customer Center
Take your package to any location of The UPS Store@, UPS Access Point(TlVl) location, UPS Drop Box, UPS
Staplés@ or Authãrized Shipping Outlet near you. ltems sent vÌa UPS Return Services(SM) (including via
Ground) are also
acclpted at Drop Boxes. To tind the locãtion nearest you, please v¡sit the Resources area of CampusShip and select UPS
Locations.
Schedule a same day or future day Pickup to have a UPS driver pickup all your Campusship packages'
Hand the package to any UPS driver ìn your area.
UPs AccssÊ Po¡htrM LJPS Acce66 PoihtrM
UPS Aoce8s PoihtrM
B A G HEINZ PHARI\4ACY INC DELUXE BOUTIOUE & FLORIST
ROSES ARE RED FLOWER BOUTIOUE
55S W 103RD ST 919 W 87TH ST
9303 S HALSTEÞ ST
cHlcAGo ,lL 60620 cHlcAGo ,lL 60628 cHlcAGo ,lL 60620

FOLD HERE

t-t
E
t¡
o
tn
C)
l N IIIET
ffi
ú
F o\ o\ -
Þ¡ rr1
V,
')
\O
c0 \f,
(¿
pq
Fl
1
Èl
É.
#ca
V. J

\0 r\ N
r-l
N
.-l
z
2
Lô c0_- u Þl &
(¡.
r-*
o:i Þ\
-¡- trl r'' .t

X
ce
Ê4¡ Þ\ 4N ul

3;
-d
AÅ
r¡F
{'
Þ<
Ë-i Þ \o
LN
r¡
Ê
\0 --r-I e
qJ

N H;8þF
O
ur á3 â
rl
N
r-1 ¡-
th8 t5z=àØ
ø 9ss Äln3;ü P
zN ,iË

o
--
o¡
õJ
¡Áo
+Ê
jjF
z à tr!
Ëg
<N H3:
ø; FËsFBc V) M ü
Uë
tro
-:o
ãflË ssËdsE A U
ù,
z
¡ d5
Êo
oÕ
4o
(Jø 3iÍü ä tJ F co ÕÕ

https://www.campusship.ups.com/cship/create?ActionOriginPair:default-PrintWindow..' 1I1312017