This Servicing Agreement, dated as of March 30, 2000 (the "Agreement"), is
among GMAC Mortgage Corporation, as servicer (the "Servicer"), the GMACM Home
Loan Trust 2000-HLTV1, as issuer (the "Issuer"), and The Bank of New York, as
indenture trustee (the "Indenture Trustee").
WITNESSETH:
WHEREAS, pursuant to the terms of the Purchase Agreement (as defined
herein), GMAC Mortgage Corporation, as seller (in such capacity, the "Seller"),
will sell to Residential Asset Mortgage Products, Inc. ("RAMP"), as purchaser
(in such capacity, the "Purchaser"), the Initial Home Loans on the Closing Date,
and may sell Subsequent Home Loans on one or more Subsequent Transfer Dates, in
each case together with the Related Documents on the Closing Date and any
Subsequent Transfer Date;
WHEREAS, RAMP, as depositor (in such capacity, the "Depositor"), will sell
the Initial Home Loans and assign all of its rights under the Purchase Agreement
to the Issuer, together with the Related Documents on the Closing Date;
WHEREAS, pursuant to the terms of the Trust Agreement, the Issuer will
issue the Certificates;
WHEREAS, pursuant to the terms of the Indenture, the Issuer will issue the
Notes; and
WHEREAS, pursuant to the terms of this Agreement, the Servicer will service
the Home Loans directly or through one or more Subservicers.
NOW, THEREFORE, in consideration of the mutual covenants herein contained,
the parties hereto agree as follows:
ARTICLE I
Definitions
Section 1.01 Definitions. For all purposes of this Agreement, except as
otherwise expressly provided herein or unless the context otherwise requires,
capitalized terms not otherwise defined herein shall have the meanings assigned
to such terms in the Definitions contained in Appendix A to the indenture dated
as of March 30, 2000 (the "Indenture"), between the Issuer and the Indenture
Trustee, which is incorporated by reference herein. All other capitalized terms
used herein shall have the meanings specified herein.
Section 1.02 Other Definitional Provisions.
(a) All terms defined in this Agreement shall have the defined meanings
when used in any certificate or other document made or delivered
pursuant hereto unless otherwise defined therein.
(b) As used in this Agreement and in any certificate or other document
made or delivered pursuant hereto or thereto, accounting terms not
defined in this Agreement or in any such certificate or other
document, and accounting terms partly defined in this Agreement or in
any such certificate or other document, to the extent not defined,
shall have the respective meanings given to them under generally
accepted accounting principles. To the extent that the definitions of
accounting terms in this Agreement or in any such certificate or other
document are inconsistent with the meanings of such terms under
generally accepted accounting principles, the definitions contained in
this Agreement or in any such certificate or other document shall
control.
(c) The words "hereof," "herein," "hereunder" and words of similar import
when used in this Agreement shall refer to this Agreement as a whole
and not to any particular provision of this Agreement; Section and
Exhibit references contained in this Agreement are references to
Sections and Exhibits in or to this Agreement unless otherwise
specified; the term "including" shall mean "including without
limitation"; "or" shall include "and/or"; and the term "proceeds"
shall have the meaning ascribed thereto in the UCC.
(d) The definitions contained in this Agreement are applicable to the
singular as well as the plural forms of such terms and to the
masculine as well as the feminine and neuter genders of such terms.
(e) Any agreement, instrument or statute defined or referred to herein or
in any instrument or certificate delivered in connection herewith
means such agreement, instrument or statute as from time to time
amended, modified or supplemented and includes (in the case of
agreements or instruments) references to all attachments thereto and
instruments incorporated therein; references to a Person are also to
its permitted successors and assigns.
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Section 1.03 Interest Calculations. All calculations of interest hereunder
that are made in respect of the Principal Balance of a Home Loan shall be made
under an actuarial interest method. All calculations of interest on the Class
A-1 Notes shall be made on the basis of the actual number of days in an Interest
Period and a year assumed to consist of 360 days. All calculations of interest
on the Class A-2, Class A-3 and Class A-4 Notes shall be made on the basis of a
30-day month and a year assumed to consist of 360 days. The calculation of the
Servicing Fee shall be made on the basis of a 360-day year consisting of twelve
30-day months. All dollar amounts calculated hereunder shall be rounded to the
nearest penny with one-half of one penny being rounded up.
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ARTICLE II
Representations and Warranties
Section 2.01 Representations and Warranties Regarding the Servicer. The
Servicer represents and warrants to the Issuer and for the benefit of the
Indenture Trustee, as pledgee of the Home Loans, as of the Closing Date:
(a) the Servicer is a corporation duly organized, validly existing
and in good standing under the laws of the Commonwealth of
Pennsylvania and has the corporate power to own its assets and to
transact the business in which it is currently engaged. The
Servicer is duly qualified to do business as a foreign
corporation and is in good standing in each jurisdiction in which
the character of the business transacted by it or properties
owned or leased by it requires such qualification and in which
the failure to so qualify would have a material adverse effect
(not in the ordinary course of business) on the business,
properties, assets, or condition (financial or other) of the
Servicer;
(b) the Servicer has the power and authority to make, execute,
deliver and perform this Agreement and all of the transactions
contemplated under this Agreement, and has taken all necessary
corporate action to authorize the execution, delivery and
performance of this Agreement. When executed and delivered, this
Servicing Agreement will constitute the legal, valid and binding
obligation of the Servicer enforceable in accordance with its
terms, except as enforcement of such terms may be limited by
bankruptcy, insolvency or similar laws affecting the enforcement
of creditors' rights generally and by the availability of
equitable remedies;
(c) the Servicer is not required to obtain the consent of any other
Person or any consent, license, approval or authorization from,
or registration or declaration with, any governmental authority,
bureau or agency in connection with the execution, delivery,
performance, validity or enforceability of this Agreement, except
for such consent, license, approval or authorization, or
registration or declaration, as shall have been obtained or
filed, as the case may be;
(d) the execution and delivery of this Agreement and the performance
of the transactions contemplated hereby by the Servicer will not
violate any material provision of any existing law or regulation
or any order or decree of any court applicable to the Servicer or
any provision of the Articles of Incorporation or Bylaws of the
Servicer, or constitute a material breach of any material
mortgage, indenture, contract or other agreement to which the
Servicer is a party or by which the Servicer may be bound; and
(e) no litigation or administrative proceeding of or before any
court, tribunal or governmental body is currently pending, or to
the knowledge of the Servicer threatened, against the Servicer or
any of its properties or with respect to this Agreement or the
Securities which in the opinion of the Servicer has a reasonable
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likelihood of resulting in a material adverse effect on the
transactions contemplated by this Agreement.
The foregoing representations and warranties shall survive any termination
of the Servicer hereunder.
Section 2.02 Representations and Warranties of the Issuer. The Issuer
hereby represents and warrants to the Servicer and for the benefit of the
Indenture Trustee, as pledgee of the Home Loans, as of the Closing Date:
(a) the Issuer is a business trust duly formed and in good standing under
the laws of the State of Delaware and has full power, authority and
legal right to execute and deliver this Agreement and to perform its
obligations under this Agreement, and has taken all necessary action
to authorize the execution, delivery and performance by it of this
Agreement; and
(b) the execution and delivery by the Issuer of this Agreement and the
performance by the Issuer of its obligations under this Agreement will
not violate any provision of any law or regulation governing the
Issuer or any order, writ, judgment or decree of any court, arbitrator
or governmental authority or agency applicable to the Issuer or any of
its assets. Such execution, delivery, authentication and performance
will not require the authorization, consent or approval of, the giving
of notice to, the filing or registration with, or the taking of any
other action with respect to, any governmental authority or agency
regulating the activities of limited liability companies. Such
execution, delivery, authentication and performance will not conflict
with, or result in a breach or violation of, any mortgage, deed of
trust, lease or other agreement or instrument to which the Issuer is
bound.
Section 2.03 Enforcement of Representations and Warranties. The Servicer,
on behalf of and subject to the direction of the Indenture Trustee, as pledgee
of the Home Loans, or the Issuer, shall enforce the representations and
warranties of the Seller pursuant to the Purchase Agreement. Upon the discovery
by the Seller, the Depositor, the Servicer, the Indenture Trustee, the Credit
Enhancer, the Issuer, or the Custodian of a breach of any of the representations
and warranties made in the Purchase Agreement, in respect of any Home Loan which
materially and adversely affects the interests of the Securityholders or the
Credit Enhancer, the party discovering such breach shall give prompt written
notice to the other parties (the Custodian being so obligated under the
Custodial Agreement). The Servicer shall promptly notify the Seller of such
breach and request that, pursuant to the terms of the Purchase Agreement, the
Seller either (i) cure such breach in all material respects within 90 days from
the date the Seller was notified of such breach or (ii) purchase such Home Loan
from the Issuer at the price and in the manner set forth in Section 3.1(b) of
the Purchase Agreement; provided, that the Seller shall, subject to the
conditions set forth in the Purchase Agreement, have the option to substitute an
Eligible Substitute Loan or Loans for such Home Loan. In the event that the
Seller elects to substitute one or more Eligible Substitute Loans pursuant to
Section 3.1(b) of the Purchase Agreement, the Seller shall deliver to the Issuer
with respect to such Eligible Substitute Loans, the original Mortgage Note, the
Mortgage, and such other documents and agreements as are required by the
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Purchase Agreement. Payments due with respect to Eligible Substitute Loans in
the month of substitution shall not be transferred to the Issuer and will be
retained by the Servicer and remitted by the Servicer to the Seller on the next
succeeding Payment Date except to the extent that a payment less than the
applicable Monthly Payment has been received by the Issuer for such month in
respect of the Home Loan to be removed. The Servicer shall amend or cause to be
amended the Home Loan Schedule to reflect the removal of such Home Loan and the
substitution of the Eligible Substitute Loans and the Servicer shall promptly
deliver the amended Home Loan Schedule to the Owner Trustee and Indenture
Trustee.
It is understood and agreed that the obligation of the Seller to cure such
breach or purchase or substitute for such Home Loan as to which such a breach
has occurred and is continuing shall constitute the sole remedy respecting such
breach available to the Issuer and the Indenture Trustee, as pledgee of the Home
Loans, against the Seller. In connection with the purchase of or substitution
for any such Home Loan by the Seller, the Issuer shall assign to the Seller all
of its right, title and interest in respect of the Purchase Agreement applicable
to such Home Loan. Upon receipt of the Repurchase Price, or upon completion of
such substitution, the Servicer shall notify the Custodian, and the Custodian
shall deliver the Mortgage Files to the Servicer, together with all relevant
endorsements and assignments prepared by the Servicer that the Indenture Trustee
shall execute.
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ARTICLE III
Administration and Servicing of Home Loans
Section 3.01 The Servicer.
(a) The Servicer shall service and administer the Home Loans in a manner
generally consistent with the terms of the Program Guide and in a
manner consistent with the terms of this Agreement and that shall be
normal and usual in its general mortgage servicing activities. The
Servicer shall have full power and authority, acting alone or through
a Subservicer, to do any and all things in connection with such
servicing and administration which it may deem necessary or desirable,
it being understood, however, that the Servicer shall at all times
remain responsible to the Issuer and the Indenture Trustee, as pledgee
of the Home Loans, for the performance of its duties and obligations
hereunder in accordance with the terms hereof and the Program Guide.
Without limiting the generality of the foregoing, the Servicer shall
continue, and is hereby authorized and empowered by the Issuer and the
Indenture Trustee, as pledgee of the Home Loans, to execute and
deliver, on behalf of itself, the Issuer, the Indenture Trustee or any
of them, any and all instruments of satisfaction or cancellation, or
of partial or full release or discharge and all other comparable
instruments with respect to the Home Loans and the Mortgaged
Properties. The Issuer, the Indenture Trustee and the Custodian, as
applicable, shall furnish the Servicer with any powers of attorney and
other documents necessary or appropriate to enable the Servicer to
carry out its servicing and administrative duties hereunder. In
addition, the Servicer may, at its own discretion and on behalf of the
Indenture Trustee, obtain credit information in the form of a "credit
score" from a credit repository. On the Closing Date, the Indenture
Trustee shall deliver to the Servicer a limited power of attorney
substantially in the form of Exhibit B hereto.
If the Mortgage did not have a Lien senior to the related Home Loan on the
related Mortgaged Property as of the related Cut-Off Date, then the Servicer, in
such capacity, may not consent to the placing of a Lien senior to that of the
Mortgage on the related Mortgaged Property. If the Mortgage had a Lien senior to
the related Home Loan on the related Mortgaged Property as of the related
Cut-Off Date, then the Servicer, in such capacity, may consent to the
refinancing of such prior senior Lien, provided that the following requirements
are met:
(i) (A) the Mortgagor's debt-to-income ratio resulting from such
refinancing is less than the original debt-to-income ratio as set
forth on the Home Loan Schedule and, in the event that the
resulting CLTV of such Home Loan increases by more than 10% above
the CLTV prior to such refinancing, the Servicer shall obtain the
prior consent of the Credit Enhancer, which consent shall not be
unreasonably withheld; provided, however, that in no instance
shall the resulting CLTV of such Home Loan be higher than that
permitted by the Program Guide; or
(B) the resulting CLTV of such Home Loan is no higher than the
greater of the CLTV prior to such refinancing and 70% (or 80% for
borrowers with a
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FICO "credit score" of 690 or higher); provided, however, if
such refinanced mortgage loan is a "rate and term" mortgage loan
(meaning, the Mortgagor does not receive any cash from the
refinancing), the CLTV may increase to the extent of either (a)
the reasonable closing costs of such refinancing or (b) any
decrease in the value of the related Mortgaged Property, if the
Mortgagor is in good standing as defined by the Program Guide;
(ii) the interest rate, or, in the case of an adjustable rate existing
senior Lien, the maximum interest rate, for the loan evidencing
the refinanced senior Lien is no higher than the interest rate or
the maximum interest rate, as the case may be, on the loan
evidencing the existing senior Lien immediately prior to the date
of such refinancing; provided, however (a) if the loan evidencing
the existing senior Lien prior to the date of refinancing has an
adjustable rate and the loan evidencing the refinanced senior
Lien has a fixed rate, then the current interest rate on the loan
evidencing the refinanced senior Lien may be up to 2.0% higher
than the then-current loan rate of the loan evidencing the
existing senior Lien and (b) if the loan evidencing the existing
senior Lien prior to the date of refinancing has a fixed rate and
the loan evidencing the refinanced senior Lien has an adjustable
rate, then the maximum interest rate on the loan evidencing the
refinanced senior Lien shall be less than or equal to (x) the
interest rate on the loan evidencing the existing senior Lien
prior to the date of refinancing plus (y) 2.0%; and
(iii)the loan evidencing the refinanced senior Lien is not subject to
negative amortization.
The relationship of the Servicer (and of any successor to the Servicer as
servicer under this Agreement) to the Issuer under this Agreement is intended by
the parties to be that of an independent contractor and not that of a joint
venturer, partner or agent.
(b) The Servicer may enter into Subservicing Agreements with
Subservicers for the servicing and administration of certain of
the Home Loans. References in this Agreement to actions taken or
to be taken by the Servicer in servicing the Home Loans include
actions taken or to be taken by a Subservicer on behalf of the
Servicer and any amount actually received by such Subservicer in
respect of a Home Loan shall be deemed to have been received by
the Servicer whether or not actually received by the Servicer.
Each Subservicing Agreement will be upon such terms and
conditions as are not inconsistent with this Agreement and as the
Servicer and the Subservicer have agreed. With the approval of
the Servicer, a Subservicer may delegate its servicing
obligations to third-party servicers, but such Subservicers will
remain obligated under the related Subservicing Agreements. The
Servicer and the Subservicer may enter into amendments to the
related Subservicing Agreements; provided, however, that any such
amendments shall not cause the Home Loans to be serviced in a
manner that would be materially inconsistent with the standards
set forth in this Agreement. The Servicer shall be entitled to
terminate any Subservicing Agreement in accordance with the terms
and conditions thereof and without any limitation by virtue of
this Agreement; provided, however, that in the event of
termination of any Subservicing Agreement by the Servicer or the
Subservicer, the Servicer shall
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either act as servicer of the related Home Loan or enter
into a Subservicing Agreement with a successor Subservicer which
will be bound by the terms of the related Subservicing Agreement.
The Servicer shall be entitled to enter into any agreement with a
Subservicer for indemnification of the Servicer and nothing
contained in this Agreement shall be deemed to limit or modify
such indemnification.
In the event that the rights, duties and obligations of the Servicer are
terminated hereunder, any successor to the Servicer in its sole discretion may,
to the extent permitted by applicable law, terminate the existing Subservicing
Agreement with any Subservicer in accordance with the terms of the applicable
Subservicing Agreement or assume the terminated Servicer's rights and
obligations under such subservicing arrangements which termination or assumption
will not violate the terms of such arrangements.
As part of its servicing activities hereunder, the Servicer, for the
benefit of the Indenture Trustee, the Credit Enhancer and the Securityholders,
shall use reasonable efforts to enforce the obligations of each Subservicer
under the related Subservicing Agreement, to the extent that the non-performance
of any such obligation would have a material adverse effect on a Home Loan. Such
enforcement, including, without limitation, the legal prosecution of claims,
termination of Subservicing Agreements and the pursuit of other appropriate
remedies, shall be in such form and carried out to such an extent and at such
time as the Servicer, in its good faith business judgment, would require were it
the owner of the related Home Loans. The Servicer shall pay the costs of such
enforcement at its own expense, and shall be reimbursed therefor only (i) from a
general recovery resulting from such enforcement to the extent, if any, that
such recovery exceeds all amounts due in respect of the related Home Loan or
(ii) from a specific recovery of costs, expenses or attorneys fees against the
party against whom such enforcement is directed.
Section 3.02 Collection of Certain Home Loan Payments.
(a) The Servicer shall make reasonable efforts to collect all payments
called for under the terms and provisions of the Home Loans, and
shall, to the extent such procedures shall be consistent with this
Agreement and generally consistent with the Program Guide, follow such
collection procedures as shall be normal and usual in its general
mortgage servicing activities. Consistent with the foregoing, and
without limiting the generality of the foregoing, the Servicer may in
its discretion (i) waive any late payment charge, penalty interest or
other fees which may be collected in the ordinary course of servicing
a Home Loan and (ii) arrange with a Mortgagor a schedule for the
payment of principal and interest due and unpaid; provided, that such
arrangement is consistent with the Servicer's policies with respect to
home equity mortgage loans; and provided further, that notwithstanding
such arrangement, such Home Loans will be included in the information
regarding delinquent Home Loans set forth in the Servicing
Certificate. The Servicer may also extend the Due Date for payment due
on a Home Loan in accordance with the Program Guide; provided,
however, that the Servicer shall first determine that any such waiver
or extension will not impair the coverage of any related insurance
policy or materially adversely affect the Lien of
9
the related Mortgage or the interests of the Securityholders or
the Credit Enhancer. Consistent with the terms of this Agreement, the
Servicer may also:
(i) waive, modify or vary any term of any Home Loan;
(ii) consent to the postponement of strict compliance with any such
term or in any manner grant indulgence to any Mortgagor;
(iii)arrange with a Mortgagor a schedule for the payment of principal
and interest due and unpaid;
(iv) forgive any portion of the amounts contractually owed under the
Home Loan;
(v) capitalize past due amounts owed under the Home Loan by adding any
amounts in arrearage to the existing principal balance of the Home Loan (a
"Capitalization Workout") which will result in an increased Monthly Payment
amount, provided that: (A) the amount added to the existing principal
balance of the Home Loan (the "Capitalized Amount") shall be no greater
than five times the Mortgagor's current Monthly Payment amount; and (B) the
Servicer shall not enter into a Capitalization Workout unless the CLTV of
the Home Loan prior to the Capitalization Workout equals or exceeds 80% and
the Mortgagor has qualified for the Capitalization Workout under the
Servicer's servicing guidelines; or
(vi) reset the due date for the Home Loan, or any combination of the
foregoing;
if in the Servicer's determination such waiver, modification, postponement or
indulgence is not materially adverse to the interests of the Securityholders or
the Credit Enhancer; provided, however, that the Servicer may not modify or
permit any Subservicer to modify any Home Loan (including without limitation any
modification that would change the Loan Rate, forgive the payment of any
principal or interest (unless in connection with the liquidation of the related
Home Loan) or extend the final maturity date of such Home Loan) unless such Home
Loan is in default or, in the judgment of the Servicer, such default is
reasonably foreseeable. Notwithstanding the foregoing, any permitted extension
of the final maturity date of a Home Loan shall not exceed the end of the
Collection Period preceding the Final Payment Date. The general terms of any
waiver, modification, postponement or indulgence with respect to any of the Home
Loans will be included in the Servicing Certificate, and such Home Loans will
not be considered "delinquent" for the purposes of the Basic Documents so long
as the Mortgagor complies with the terms of such waiver, modification,
postponement or indulgence.
(b) The Servicer shall establish a Custodial Account, which shall be an
Eligible Account, in which the Servicer shall deposit or cause to be
deposited any amounts representing payments and collections in respect
of the Initial Home Loans received by it subsequent to the Cut-Off
Date or, with respect to the Subsequent Home Loans, the Subsequent
Cut-Off Date (other than in respect of the payments referred to in the
following paragraph), within one Business Day following receipt
thereof (or otherwise on or prior to the Closing Date), including the
following payments and collections received or made by it (without
duplication):
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(i) all payments of principal of or interest on the Home Loans received or
advanced by the Servicer, net of any portion of the interest thereof
retained by any Subservicer as subservicing fees;
(ii) the aggregate Repurchase Price of the Home Loans purchased by the
Servicer pursuant to Section 3.15;
(iii) Net Liquidation Proceeds, net of any related Foreclosure Profit;
(iv) all proceeds of any Home Loans repurchased by the Seller pursuant to
the Purchase Agreement, and all Substitution Adjustment Amounts
required to be deposited in connection with the substitution of an
Eligible Substitute Loan pursuant to the Purchase Agreement;
(v) Insurance Proceeds, other than Net Liquidation Proceeds, resulting
from any insurance policy maintained on a Mortgaged Property; and
(vi) amounts required to be paid by the Servicer pursuant to Section 8.08;
provided, however, that with respect to each Collection Period, the Servicer
shall be permitted to retain from payments in respect of interest on the Home
Loans, the Servicing Fee for such Collection Period. The foregoing requirements
respecting deposits to the Custodial Account are exclusive, it being understood
that, without limiting the generality of the foregoing, the Servicer need not
deposit in the Custodial Account amounts representing Foreclosure Profits, fees
(including annual fees) or late charge penalties, payable by Mortgagors (such
amounts to be retained as additional servicing compensation in accordance with
Section 3.09 hereof), or amounts received by the Servicer for the accounts of
Mortgagors for application towards the payment of taxes, insurance premiums,
assessments and similar items. In the event any amount not required to be
deposited in the Custodial Account is so deposited, the Servicer may at any time
withdraw such amount from the Custodial Account, any provision herein to the
contrary notwithstanding. The Servicer shall retain all Foreclosure Profits as
additional servicing compensation.
The Servicer, in its sole discretion, may deposit into the Custodial
Account amounts representing installments of principal of or interest on Home
Loans that were delinquent as of the end of any Collection Period, provided that
the Servicer reasonably believes that such amounts will be recoverable from
Collections on the related Home Loan. If the Servicer makes any such advances of
delinquent principal and/or interest, the Servicer shall be entitled to
reimburse itself by withdrawing from the Custodial Account, as provided herein,
any amounts so advanced.
The Servicer may cause the institution maintaining the Custodial Account to
invest any funds in the Custodial Account in Permitted Investments (including
obligations of the Servicer or any of its Affiliates, if such obligations
otherwise qualify as Permitted Investments), which investments shall mature not
later than the Business Day preceding the next succeeding Payment Date, and
which investments shall not be sold or disposed of prior to maturity. Except as
provided above, all income and gain realized from any such investment shall
inure to the benefit of the Servicer and shall be subject to its withdrawal or
order from time to time. The amount of any losses incurred in respect of the
principal amount of
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any such investments shall be deposited in the Custodial Account by the Servicer
out of its own funds immediately as realized.
(c) The Servicer shall require each Subservicer to hold all funds
constituting collections on the Home Loans, pending remittance thereof
to the Servicer, in one or more accounts meeting the requirements of
an Eligible Account, and shall require all such funds to be invested
in Permitted Investments, unless all such collections are remitted on
a daily basis to the Servicer for deposit into the Custodial Account.
Section 3.03 Withdrawals from the Custodial Account. The Servicer shall,
from time to time as provided herein, make withdrawals from the Custodial
Account of amounts on deposit therein pursuant to Section 3.02 that are
attributable to the Home Loans for the following purposes:
(a) on each Determination Date, the Servicer shall determine the
aggregate amounts to be withdrawn from the Custodial
Account and applied pursuant to Section 3.05(a) of the
Indenture and, prior to the close of business on the
Business Day prior to the related Payment Date, shall
withdraw such amounts from the Custodial Account and
deposit such amounts into the Note Payment Account to
be distributed by the Paying Agent in accordance with
and in the order or priority set forth in Section
3.05(a) of the Indenture for such Payment Date, in
accordance with the Servicing Certificate;
(b) [Reserved];
(c) to the extent deposited to the Custodial Account, to reimburse itself
or the related Subservicer for previously unreimbursed expenses
incurred in maintaining individual insurance policies pursuant to
Section 3.04, or Liquidation Expenses, paid pursuant to Section 3.07
or otherwise reimbursable pursuant to the terms of this Agreement (to
the extent not payable pursuant to Section 3.09), such withdrawal
right being limited to amounts received on particular Home Loans
(other than any Repurchase Price in respect thereof) that represent
late recoveries of the payments for which such advances were made, or
from related Net Liquidation Proceeds or the proceeds of the purchase
of such Home Loan;
(d) to pay to itself out of each payment received on account of interest
on a Home Loan as contemplated by Section 3.09, an amount equal to the
related Servicing Fee (to the extent not retained pursuant to Section
3.02), and to pay to any Subservicer any subservicing fees not
previously withheld by such Subservicer;
(e) to the extent deposited in the Custodial Account, to pay to itself as
additional servicing compensation any (i) interest or investment
income earned on funds deposited in the Custodial Account that it is
entitled to withdraw pursuant to Sections 3.02(b) and 5.01, and (ii)
Foreclosure Profits (to the extent permitted by law);
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(f) to pay to itself or the Seller, with respect to any Home Loan or
property acquired in respect thereof that has been purchased or
otherwise transferred to the Seller, the Servicer or other entity, all
amounts received thereon and not required to be distributed to
Securityholders as of the date on which the related Purchase Price or
Repurchase Price is determined;
(g) to withdraw any other amount deposited in the Custodial Account that
was not required to be deposited therein pursuant to Section 3.02;
(h) to pay to itself, with respect to any Home Loan for which it has made
an advance of delinquent principal and/or interest, any previously
unreimbursed advances of such amounts theretofore made to the extent
of receipts of late recoveries of such payments from the related
Mortgagors, out of related Net Liquidation Proceeds or the proceeds of
the purchase of such Home Loans;
(i) to reimburse itself for the amount of any investment earnings advanced
prior to maturity pursuant to Section 3.17(c) or Section 5.01, to the
extent not reimbursed from earnings received on the related investment
at maturity; and
(j) at its option, for so long as it is the sole Certificateholder, to pay
to itself from amounts otherwise required to be remitted to the
Distribution Account in accordance with Section 3.05(a)(ix) of the
Indenture, all amounts payable to it as a Certificateholder on the
related Payment Date.
Since, in connection with withdrawals pursuant to clauses (c), (d), (e) and
(f), the Servicer's entitlement thereto is limited to collections or other
recoveries on the related Home Loan, the Servicer shall keep and maintain
separate accounting, on a Home Loan by Home Loan basis, for the purpose of
justifying any withdrawal from the Custodial Account pursuant to such clauses.
Notwithstanding any other provision of this Agreement, the Servicer shall be
entitled to reimburse itself for any previously unreimbursed expenses incurred
pursuant to Section 3.07 or otherwise reimbursable pursuant to the terms of this
Agreement that the Servicer determines to be otherwise nonrecoverable (except
with respect to any Home Loan as to which the Repurchase Price has been paid),
by withdrawal from the Custodial Account of amounts on deposit therein
attributable to the Home Loans on any Business Day prior to the Payment Date
succeeding the date of such determination.
Section 3.04 Maintenance of Hazard Insurance; Property Protection Expenses.
To the extent permitted under the related Mortgage Note and Mortgage, and to the
extent the Servicer receives notice that a hazard insurance policy has been
cancelled, the Servicer shall cause to be maintained for each Home Loan hazard
insurance naming the Servicer or related Subservicer as loss payee thereunder
providing extended coverage in an amount which is at least equal to the lesser
of (i) the maximum insurable value of the improvements securing such Home Loan
from time to time or (ii) the combined principal balance owing on such Home Loan
and any mortgage loan senior to such Home Loan from time to time; provided,
however, that such coverage may not be less than the minimum amount required to
fully compensate for any loss or damage on a replacement cost basis. The
Servicer shall use its best efforts to monitor that hazard insurance is
maintained as described in the previous sentence in the same manner as it would
for mortgage
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loans in its own portfolio. The Servicer shall also cause to be maintained on
property acquired upon foreclosure, or deed in lieu of foreclosure, of any Home
Loan, fire insurance with extended coverage in an amount which is at least equal
to the amount necessary to avoid the application of any co-insurance clause
contained in the related hazard insurance policy. Amounts collected by the
Servicer under any such policies (other than amounts to be applied to the
restoration or repair of the related Mortgaged Property or property thus
acquired or amounts released to the Mortgagor in accordance with the Service's
normal servicing procedures) shall be deposited in the Custodial Account to the
extent called for by Section 3.02. In cases in which any Mortgaged Property is
located at any time during the life of a Home Loan in a federally designated
flood area, to the extent permitted under the related Mortgage Note and
Mortgage, and to the extent the Servicer receives notice that the related flood
insurance has been cancelled, the hazard insurance to be maintained for the
related Home Loan shall include flood insurance (to the extent available). All
such flood insurance shall be in amounts equal to the lesser of (i) the amount
required to compensate for any loss or damage to the related Mortgaged Property
on a replacement cost basis and (ii) the maximum amount of such insurance
available for such Mortgaged Property under the national flood insurance program
(assuming that the area in which such Mortgaged Property is located is
participating in such program). The Servicer shall use its best efforts to
monitor such flood insurance as described in the previous sentence in the same
manner as it would for mortgage loans in its own portfolio. The Servicer shall
be under no obligation to require that any Mortgagor maintain earthquake or
other additional insurance and shall be under no obligation itself to maintain
any such additional insurance on property acquired in respect of a Home Loan,
other than pursuant to such applicable laws and regulations as shall at any time
be in force and as shall require such additional insurance. If the Servicer
shall obtain and maintain a blanket policy consistent with its general mortgage
servicing activities insuring against hazard losses on all of the Home Loans, it
shall conclusively be deemed to have satisfied its obligations as set forth in
the first sentence of this Section 3.04, it being understood and agreed that
such policy may contain a deductible clause, in which case the Servicer shall,
in the event that there shall not have been maintained on the related Mortgaged
Property a policy complying with the first sentence of this Section 3.04 and
there shall have been a loss which would have been covered by such policy,
deposit in the Custodial Account the amount not otherwise payable under the
blanket policy because of such deductible clause. Any such deposit by the
Servicer shall be made on the last Business Day of the Collection Period in the
month in which payments under any such policy would have been deposited in the
Custodial Account. In connection with its activities as servicer of the Home
Loans, the Servicer agrees to present, on behalf of itself, the Issuer and the
Indenture Trustee, claims under any such blanket policy.
Section 3.05 Modification Agreements; Release or Substitution of Lien.
(a) The Servicer or the related Subservicer, as the case may be, shall be
entitled to (a) execute assumption agreements, substitution agreements, and
instruments of satisfaction or cancellation or of partial or full release or
discharge, or any other document contemplated by this Agreement and other
comparable instruments with respect to the Home Loans and with respect to the
related Mortgaged Properties (and the Issuer and the Indenture Trustee each
shall promptly execute any such documents on request of the Servicer) and (b)
approve the granting of an easement thereon in favor of another Person, any
alteration or demolition of such Mortgaged Properties or other similar matters,
if it has determined, exercising its good faith business judgment in the same
manner as it would if it were the owner of the
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related Home Loans, that the security for, and the timely and full
collectability of, such Home Loans would not be adversely affected thereby. A
partial release pursuant to this Section 3.05 shall be permitted only if the
CLTV for the related Home Loan after such partial release does not exceed the
CLTV for such Home Loan as of the related Cut-Off Date. Any fee collected by the
Servicer or the related Subservicer for processing such request will be retained
by the Servicer or such Subservicer as additional servicing compensation.
(b) The Servicer may enter into an agreement with a Mortgagor to release
the lien on the Mortgaged Property relating to a Home Loan (the "Existing
Lien"), if at the time of such agreement the Home Loan is current in payment of
principal and interest, under any of the following circumstances:
(i) in any case in which, simultaneously with the release of the
Existing Lien, the Mortgagor executes and delivers to the Servicer a
Mortgage on a substitute Mortgaged Property, provided that the CLTV of
the Home Loan (calculated based on the Appraised Value of the
substitute Mortgaged Property) is not greater than the CLTV prior to
releasing the Existing Lien;
(ii) in any case in which, simultaneously with the release of the
Existing Lien, the Mortgagor executes and delivers to the Servicer a
Mortgage on a substitute Mortgaged Property, provided that: (A) the
CLTV of the Home Loan (calculated based on the Appraised Value of the
substitute Mortgaged Property) is not greater than the lesser of (1)
125% and (2) 105% of the CLTV prior to releasing the Existing Lien;
and (B) the Servicer determines that at least two appropriate
compensating factors are present (compensating factors may include,
without limitation, an increase in the Mortgagor's monthly cash flow
after debt service, the Mortgagor's debt-to-income ratio has not
increased since origination, or an increase in the Mortgagor's credit
score); or
(iii)in any case in which, at the time of release of the Existing
Lien, the Mortgagor does not provide the Servicer with a Mortgage on a
substitute Mortgaged Property (any Home Loan that becomes and remains
unsecured in accordance with this subsection, an "Unsecured Loan"),
provided that: (A) the Servicer shall not permit the release of an
Existing Lien under this clause (iii) as to more than 100 Home Loans
in any calendar year; (B) at no time shall the aggregate Principal
Balance of Unsecured Loans exceed 5% of the then Pool Balance; (C) the
Mortgagor agrees to an automatic debit payment plan; and (D) the
Servicer shall provide notice to each Rating Agency and the Credit
Enhancer that has requested notice of such releases.
In connection with any Unsecured Loan, the Servicer may require the Mortgagor to
enter into an agreement under which: (i) the Loan Rate may be increased
effective until a substitute Mortgage meeting the criteria under (i) or (ii)
above is provided; or (ii) any other provision may be made which the Servicer
considers to be appropriate. Thereafter, the Servicer shall determine in its
discretion whether to accept any proposed Mortgage on any substitute Mortgaged
Property as security for the Home Loan, and the Servicer may require the
Mortgagor to agree to any further conditions which the Servicer considers
appropriate in connection with such substitution, which may include a reduction
of the Loan Rate (but not below the Loan Rate in effect at the Closing
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Date). Any Home Loan as to which a Mortgage on a substitute Mortgaged Property
is provided in accordance with the preceding sentence shall no longer be deemed
to be an Unsecured Loan.
Section 3.06 Trust Estate; Related Documents.
(a) When required by the provisions of this Agreement, the Issuer or the
Indenture Trustee shall execute instruments to release property from
the terms of the Trust Agreement, Indenture or Custodial Agreement, as
applicable, or convey the Issue's or the Indenture Trustee's interest
in the same, in a manner and under circumstances that are not
inconsistent with the provisions of this Agreement. No party relying
upon an instrument executed by the Issuer or the Indenture Trustee as
provided in this Section 3.06 shall be bound to ascertain the Issue's
or the Indenture Trustee's authority, inquire into the satisfaction of
any conditions precedent or see to the application of any moneys.
(b) If from time to time the Servicer shall deliver to the Custodian
copies of any written assurance, assumption agreement or substitution
agreement or other similar agreement pursuant to Section 3.05, the
Custodian shall check that each of such documents purports to be an
original executed copy (or a copy of the original executed document if
the original executed copy has been submitted for recording and has
not yet been returned) and, if so, shall file such documents, and upon
receipt of the original executed copy from the applicable recording
office or receipt of a copy thereof certified by the applicable
recording office shall file such originals or certified copies with
the Related Documents. If any such documents submitted by the Servicer
do not meet the above qualifications, such documents shall promptly be
returned by the Custodian to the Servicer, with a direction to the
Servicer to forward the correct documentation.
(c) Upon receipt of a Request for Release from the Servicer, substantially
in the form of Exhibit C hereto, to the effect that a Home Loan has
been the subject of a final payment or a prepayment in full and such
Home Loan has been terminated or that substantially all Net
Liquidation Proceeds that have been determined by the Servicer in its
reasonable judgment to be finally recoverable have been recovered, and
upon deposit to the Custodial Account of such final monthly payment,
prepayment in full together with accrued and unpaid interest to the
date of such payment with respect to such Home Loan or, if applicable,
Net Liquidation Proceeds, the Custodian shall promptly release the
Related Documents to the Servicer. The Indenture Trustee shall execute
such Related Documents, along with such documents as the Servicer or
the related Mortgagor may request to evidence satisfaction and
discharge of such Home Loan, upon request of the Servicer. If from
time to time and as appropriate for the servicing or foreclosure of
any Home Loan, the Servicer requests the Custodian to release the
Related Documents and delivers to the Custodian a trust receipt
reasonably satisfactory to the Custodian and signed by a Responsible
Officer of the Servicer, the Custodian shall release such Related
Documents to the Servicer. If such Home Loans shall be liquidated and
the Custodian receives a certificate from the Servicer as
16
provided above, then, upon request of the Servicer, the Custodian
shall release the trust receipt to the Servicer.
Section 3.07 Realization Upon Defaulted Home Loans; Loss Mitigation. With
respect to any Home Loan that comes into and continues in default, the Servicer
shall decide whether to (i) foreclose upon the related Mortgaged Property, (ii)
write off the unpaid Principal Balance thereof as bad debt, (iii) take a deed in
lieu of foreclosure, (iv) accept a short sale (a payoff of the Home Loan for an
amount less than the total amount contractually owed in order to facilitate a
sale of the Mortgaged Property by the Mortgagor), (v) permit a short refinancing
(a payoff of the Home Loan for an amount less than the total amount
contractually owed in order to facilitate refinancing transactions by the
Mortgagor not involving a sale of the Mortgaged Property), (vi) arrange for a
repayment plan, (vii) agree to a modification in accordance with this Agreement
or (viii) take an unsecured note in each case subject to the rights of any
related first Lien holder; provided, that in connection with the foregoing, if
the Servicer has actual knowledge that any Mortgaged Property is affected by
hazardous or toxic wastes or substances and that the acquisition of such
Mortgaged Property would not be commercially reasonable, then the Servicer shall
not cause the Issuer or the Indenture Trustee to acquire title to such Mortgaged
Property in a foreclosure or similar proceeding. In connection with such
decision, the Servicer shall follow such practices (including, in the case of
any default on a related senior mortgage loan, the advancing of funds to correct
such default if deemed to be appropriate by the Servicer) and procedures as it
shall deem necessary or advisable and as shall be normal and usual in its
general mortgage servicing activities and as shall be required or permitted by
the Program Guide; provided, that the Servicer shall not be liable in any
respect hereunder if the Servicer is acting in connection with any such
foreclosure or attempted foreclosure which is not completed or other conversion
in a manner that is consistent with the provisions of this Agreement. The
foregoing is subject to the proviso that the Servicer shall not be required to
expend its own funds in connection with any foreclosure or attempted foreclosure
which is not completed or towards the correction of any default on a related
senior mortgage loan or restoration of any property unless it shall determine
that such expenditure will increase the related Net Liquidation Proceeds. In the
event of a determination by the Servicer that any such expenditure previously
made pursuant to this Section 3.07 will not be reimbursable from Net Liquidation
Proceeds, the Servicer shall be entitled to reimbursement of its funds so
expended pursuant to Section 3.03.
Notwithstanding any provision of this Agreement, a Home Loan may be deemed
to be finally liquidated if substantially all amounts expected by the Servicer
to be received in connection therewith have been received; provided, however,
the Servicer shall treat any Home Loan that is 180 days or more delinquent as
having been finally liquidated. Any subsequent collections with respect to any
such Home Loan shall be deposited into the Custodial Account. For purposes of
determining the amount of any Net Liquidation Proceeds, Insurance Proceeds or
other unscheduled collections, the Servicer may take into account minimal
amounts of additional receipts expected to be received or any estimated
additional liquidation expenses expected to be incurred in connection with such
Home Loan.
In the event that title to any Mortgaged Property is acquired in
foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale
shall be issued to the Indenture Trustee, which shall hold the same on behalf of
the Issuer in accordance with Section 3.13 of the Indenture. Notwithstanding any
such acquisition of title and cancellation of the related Home Loan, such
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Mortgaged Property shall (except as otherwise expressly provided herein) be
considered to be an outstanding Home Loan held as an asset of the Issuer until
such time as such property shall be sold. Consistent with the foregoing for
purposes of all calculations hereunder, so long as the related Home Loan shall
be considered to be an outstanding Home Loan, it shall be assumed that,
notwithstanding that the indebtedness evidenced by the related Mortgage Note
shall have been discharged, such Mortgage Note in effect at the time of any such
acquisition of title before any adjustment thereto by reason of any bankruptcy
or similar proceeding or any moratorium or similar waiver or grace period will
remain in effect.
Any proceeds from foreclosure proceedings or the purchase or repurchase of
any Home Loan pursuant to the terms of this Agreement, as well as any recovery
resulting from a collection of Net Liquidation Proceeds or Insurance Proceeds,
shall be applied in the following order of priority: first, to reimburse the
Servicer or the related Subservicer in accordance with this Section 3.07;
second, to pay the Servicer or the related Subservicer all Servicing Fees
payable therefrom; third, to pay accrued and unpaid interest on such Home Loan,
at the Net Loan Rate to the Payment Date on which such amounts are to be
deposited in the Note Payment Account or Distribution Account; and fourth, as a
recovery of principal on such Home Loan. Any remaining amount shall constitute
Foreclosure Profits.
Section 3.08 Issuer and Indenture Trustee to Cooperate. On or before each
Payment Date, the Servicer will notify the Indenture Trustee or the Custodian,
with a copy to the Issuer, of the termination of or the payment in full and the
termination of any Home Loan during the preceding Collection Period. Upon
receipt of payment in full, the Servicer is authorized to execute, pursuant to
the authorization contained in Section 3.01, an instrument of satisfaction
regarding the related Mortgage, which instrument of satisfaction shall be
recorded by the Servicer if required by applicable law and be delivered to the
Person entitled thereto. It is understood and agreed that any expenses incurred
in connection with such instrument of satisfaction or transfer shall be
reimbursed from amounts deposited in the Custodial Account. From time to time
and as appropriate for the servicing or foreclosure of any Home Loan, the
Custodian shall, upon request of the Servicer and delivery to the Custodian,
with a copy to the Issuer, of a Request for Release, in the form attached hereto
as Exhibit C, signed by a Servicing Officer, release or cause to be released the
related Mortgage File to the Servicer. The Issuer or Indenture Trustee shall
promptly execute such documents, in the forms provided by the Servicer, as shall
be necessary for the prosecution of any such proceedings or the taking of other
servicing actions. Such trust receipt shall obligate the Servicer to return such
Mortgage File to the Custodian (as specified in such receipt) when the need
therefor by the Servicer no longer exists, unless the Home Loan shall be
liquidated, in which case, upon receipt of a certificate of a Servicing Officer
similar to that specified above, such trust receipt shall be released to the
Servicer.
In order to facilitate the foreclosure of the Mortgage securing any Home
Loan that is in default following recordation of the related Assignment of
Mortgage in accordance with the provisions of the Purchase Agreement, the
Indenture Trustee or the Issuer shall, if so requested in writing by the
Servicer, promptly execute an appropriate assignment in the form provided by the
Servicer to assign such Home Loan for the purpose of collection to the Servicer
(any such assignment shall unambiguously indicate that the assignment is for the
purpose of collection only), and, upon such assignment, such assignee for
collection will thereupon bring all required
18
actions in its own name and otherwise enforce the terms of such Home Loan and
deposit or credit the Net Liquidation Proceeds, exclusive of Foreclosure
Profits, received with respect thereto into the Custodial Account. In the event
that all delinquent payments due under any such Home Loan are paid by the
Mortgagor and any other defaults are cured, then the assignee for collection
shall promptly reassign such Home Loan to the Indenture Trustee and return all
Related Documents to the place where the related Mortgage File was being
maintained.
In connection with the Issuer's obligation to cooperate as provided in this
Section 3.08 and all other provisions of this Agreement requiring the Issuer to
authorize or permit any actions to be taken with respect to the Home Loans, the
Indenture Trustee, as pledgee of the Home Loans and as assignee of record of the
Home Loans on behalf of the Issuer pursuant to Section 3.13 of the Indenture,
expressly agrees, on behalf of the Issuer, to take all such actions on behalf of
the Issuer and to promptly execute and return all instruments reasonably
required by the Servicer in connection therewith; provided, that if the Servicer
requests a signature of the Indenture Trustee, on behalf of the Issuer, then the
Servicer shall deliver to the Indenture Trustee an Officer's Certificate stating
that such signature is necessary or appropriate to enable the Servicer to carry
out its servicing and administrative duties under this Agreement.
Section 3.09 Servicing Compensation; Payment of Certain Expenses by
Servicer. The Servicer shall be entitled to receive the Servicing Fee in
accordance with Section 3.03 as compensation for its services in connection with
servicing the Home Loans. Moreover, late payment charges and other receipts not
required to be deposited in the Custodial Account as specified in Section 3.02
shall be retained by the Servicer as additional servicing compensation. The
Servicer shall be required to pay all expenses incurred by it in connection with
its activities hereunder (including payment of all other fees and expenses not
expressly stated hereunder to be for the account of the Securityholders),
including the fees and expenses of the Owner Trustee, Indenture Trustee and the
Custodian, and shall not be entitled to reimbursement therefor.
Section 3.10 Annual Statement as to Compliance.
(a) The Servicer shall deliver to the Issuer, the Indenture Trustee, the
Depositor and the Underwriter, with a copy to the Credit Enhancer,
beginning March 31, 2001, and on or before March 31 of each year
thereafter, an Officer's Certificate stating that (i) a review of the
activities of the Servicer during the preceding calendar year and of
its performance under any servicing agreements to which it is a party,
including this Agreement, has been made under such officer's
supervision and (ii) to the best of such officer's knowledge, based on
such review, the Servicer has complied in all material respects with
the minimum servicing standards set forth in the Uniform Single
Attestation Program for Mortgage Bankers and has fulfilled all of its
material obligations in all material respects throughout such year,
or, if there has been material noncompliance with such servicing
standards or a default in the fulfillment in all material respects of
any such obligation relating to this Servicing Agreement, such
statement shall include a description of such noncompliance or specify
each such default, as the case may be, known to such officer and the
nature and status thereof.
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(b) The Servicer shall deliver to the Issuer and the Indenture Trustee,
with a copy to the Credit Enhancer, promptly after having obtained
knowledge thereof, but in no event later than five Business Days
thereafter, written notice by means of an Officer's Certificate of any
event which with the giving of notice or the lapse of time or both,
would become a Servicing Default.
Section 3.11 Annual Servicing Report. Beginning March 31, 2001, and on or
before March 31 of each year thereafter, the Servicer at its expense shall cause
a firm of nationally recognized independent public accountants (which firm may
also render other services to the Servicer) to furnish a report to the Issuer,
the Indenture Trustee, the Depositor, the Underwriter, the Credit Enhancer and
each Rating Agency stating its opinion that, on the basis of an examination
conducted by such firm substantially in accordance with standards established by
the American Institute of Certified Public Accountants, the assertions made
pursuant to Section 3.10 regarding compliance with the minimum servicing
standards set forth in the Uniform Single Attestation Program for Mortgage
Bankers during the preceding calendar year are fairly stated in all material
respects, subject to such exceptions and other qualifications that, in the
opinion of such firm, such accounting standards require it to report. In
rendering such statement, such firm may rely, as to matters relating to the
direct servicing of Home Loans by Subservicers, upon comparable statements for
examinations conducted by independent public accountants substantially in
accordance with standards established by the American Institute of Certified
Public Accountants (rendered within one year of such statement) with respect to
such Subservicers.
Section 3.12 Access to Certain Documentation and Information Regarding the
Home Loans. Whenever required by statute or regulation, the Servicer shall
provide to the Credit Enhancer, any Securityholder upon reasonable request (or a
regulator for a Securityholder) or the Indenture Trustee, reasonable access to
the documentation regarding the Home Loans. Such access shall be afforded
without charge, but only upon reasonable request and during normal business
hours at the offices of the Servicer. Nothing in this Section 3.12 shall
derogate from the obligation of the Servicer to observe any applicable law
prohibiting disclosure of information regarding Mortgagors, and the failure of
the Servicer to provide access as provided in this Section 3.12 as a result of
such obligation shall not constitute a breach of this Section 3.12.
Section 3.13 Maintenance of Certain Servicing Insurance Policies. The
Servicer shall, during the term of its service as servicer, maintain in force
and effect (i) a policy or policies of insurance covering errors and omissions
in the performance of its obligations as Servicer hereunder and (ii) a fidelity
bond in respect of its officers, employees or agents. Each such policy or
policies and fidelity bond shall be at least equal to the coverage that would be
required by Fannie Mae or Freddie Mac, whichever is greater, for Persons
performing servicing for mortgage loans purchased by such entity.
Section 3.14 Information Required by the Internal Revenue Service and
Reports of Foreclosures and Abandonments of Mortgaged Property. The Servicer
shall prepare and deliver all federal and state information reports with respect
to the Home Loans when and as required by all applicable state and federal
income tax laws. In particular, with respect to the requirement under Section
6050J of the Code to the effect that the Servicer or Subservicer shall make
reports of foreclosures and abandonments of any mortgaged property for each year
beginning in 2000,
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the Servicer or Subservicer shall file reports relating to each instance
occurring during the previous calendar year in which the Servicer (a) on behalf
of the Issuer, acquired an interest in any Mortgaged Property through
foreclosure or other comparable conversion in full or partial satisfaction of a
Home Loan, or (b) knew or had reason to know that any Mortgaged Property had
been abandoned. The reports from the Servicer or Subservicer shall be in form
and substance sufficient to meet the reporting requirements imposed by Section
6050J and Section 6050H (reports relating to mortgage interest received) of the
Code.
Section 3.15 Optional Repurchase or Transfer of Home Loans.
(a) Notwithstanding any provision in Section 3.07 to the contrary, the
Servicer, at its option and in its sole discretion, may repurchase any
Home Loan delinquent in payment for a period of sixty (60) days or
longer for a price equal to the Repurchase Price.
(b) The Servicer, at its option and in its sole discretion, may repurchase
any Home Loan for a price equal to the Repurchase Price (i) if the
related Mortgage did not have a Lien senior to it as of the related
Cut-Off Date, and the related Mortgagor requests the placement of a
Lien on the related Mortgaged Property senior to that of such Mortgage
or (ii) if the Mortgagor refinances the Lien senior to that of the
related Mortgage resulting in a CLTV above the previous CLTV for such
Home Loan.
(c) Subject to the conditions set forth below, the Servicer, upon receipt
of written notice and direction from the Issuer, shall cause the
retransfer of Home Loans from the Trust Estate to the Issuer as of the
close of business on a Payment Date (the "Transfer Date"). On the
fifth Business Day (the "Transfer Notice Date") prior to the Transfer
Date designated in such notice, the Servicer shall give the Indenture
Trustee, the Rating Agencies and the Credit Enhancer a notice of the
proposed retransfer that contains a list of the Home Loans to be
retransferred. Such retransfers of Home Loans shall be permitted upon
satisfaction of the following conditions:
(i) On the Transfer Date, the Overcollateralization Amount (after
giving effect to the removal from the Trust Estate of the Home
Loans proposed to be retransferred) will equal or exceed the
Required Overcollateralization Amount;
(ii) On or before the Transfer Date, the Servicer shall have delivered
to the Indenture Trustee a revised Home Loan Schedule showing
that the Home Loans transferred to the Certificateholders are no
longer owned by the Trust Estate;
(iii)The Servicer shall represent and warrant that no selection
procedures reasonably believed by the Servicer to be adverse to
the interests of the Noteholders or the Credit Enhancer were
utilized in the selection of the Home Loans to be removed from
the Trust Estate and the Servicer shall
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have received the consent of the Credit Enhancer as to the
selection of the particular Home Loans to be removed; and
(iv) The Servicer shall have delivered to the Indenture Trustee and
the Credit Enhancer an officer's certificate certifying that the
items set forth in subparagraphs (i) through (iii), inclusive,
have been performed or are true and correct, as the case may be.
The Indenture Trustee may conclusively rely on such officer's
certificate, shall have no duty to make inquiries with regard to
the matters set forth therein and shall incur no liability in so
relying.
The Servicer shall not be permitted to effect the retransfer of any Home
Loan except under the conditions specified above. Upon receiving the requisite
notice and direction from the Issuer, the Servicer shall perform in a timely
manner those acts required of it, as specified above. Upon satisfaction of the
above conditions, on the Transfer Date the Indenture Trustee shall deliver, or
cause to be delivered, to the Issuer a written itemization of each Home Loan
being transferred, together with the Mortgage File for each such Home Loan, and
the Indenture Trustee shall execute and deliver to the Issuer or its designee
such other documents prepared by the Servicer as shall be reasonably necessary
to transfer such Home Loans to the Certificateholders. Any such transfer of the
Trust Estate's right, title and interest in and to Home Loans shall be without
recourse, representation or warranty by or of the Indenture Trustee or the Trust
Estate to the Issuer or its designee.
Section 3.16 Recording of Assignments. If the credit rating of GMAC, as the
direct or indirect parent of the Servicer, is reduced to below "BBB" by Standard
& Poor's or below "A3" by Mood's, the Servicer shall, within 60 days after
written notification of such reduction in credit rating by Standard & Poor's,
Moody's or the Credit Enhancer, the Servicer, at its own expense, shall complete
and submit for recording in the appropriate public office for real property
records the Assignments of Mortgage for each Home Loan. While such assignment to
be recorded is being recorded, the Custodian shall retain a photocopy of such
assignment. If any assignment is lost or returned unrecorded to the Custodian
because of any defect therein, the Servicer shall prepare a substitute
assignment or cure such defect, as the case may be, and the Servicer shall cause
such assignment to be recorded in accordance with this paragraph.
Section 3.17 Pre-Funding Account.
(a) No later than the Closing Date, the Indenture Trustee shall establish
and maintain on behalf of itself one or more segregated trust
accounts, which shall be Eligible Accounts, titled "Pre-Funding
Account, The Bank of New York, as Indenture Trustee for GMACM Home
Loan Trust 2000-HLTV1" (the "Pre-Funding Account"). On the Closing
Date, the Seller shall deposit into the Pre-Funding Account an amount
equal to the Original Pre-Funded Amount from the proceeds of the sale
of the Securities. On each Subsequent Transfer Date, the Servicer
shall instruct the Indenture Trustee in writing to withdraw from the
Pre-Funding Account an amount equal to the aggregate Principal Balance
as of the related Subsequent Cut-Off Date of the Subsequent Home Loans
to be sold to the Trust on such Subsequent Transfer Date and purchased
with funds on deposit in the
22
Pre-Funding Account, and to pay such amount to or upon the order
of the Seller upon satisfaction of the conditions set forth in this
Agreement, in the Purchase Agreement and in the related Subsequent
Transfer Agreement with respect thereto.
(b) If the Pre-Funded Amount has not been reduced to zero at the close of
business on the last day of the Pre-Funding Period, after giving
effect to any withdrawal therefrom on such day, any remaining
Pre-Funded Amount shall be deposited in the Note Payment Account and
applied as a principal distribution on the Notes on the next
succeeding Payment Date in accordance with the terms of the Indenture.
(c) The Servicer may cause the institution maintaining the Pre-Funding
Account to invest any funds therein in Permitted Investments having a
maturity of up to 90 days or maturing or otherwise available not later
than the Business Day preceding the related Payment Date on which
funds are scheduled to be withdrawn to purchase Subsequent Home Loans;
provided, that any investment in an obligation of the institution with
which the Pre-Funding Account is maintained may mature on or before
10:30 a.m., New York time, on such Payment Date; and provided further,
that no such investment may be sold or disposed of prior to maturity.
Notwithstanding the foregoing, in the event investment earnings have
not matured on any Payment Date, the amount of such earnings accrued
as of such Payment Date shall be advanced by the Servicer for deposit
into the Note Payment Account (which advance shall be reimbursed to
the Servicer from such investment earnings at maturity). At any time
when the Indenture Trustee is maintaining the Pre-Funding Account, any
request by the Servicer to invest funds on deposit therein shall be in
writing, delivered to the Indenture Trustee at or before 10:30 a.m.,
New York time, if such investment is to be made on such day. The
Servicer shall certify that the requested investment is a Permitted
Investment maturing at or prior to the time required hereby. Any such
investment shall be registered in the name of the Indenture Trustee or
its nominee, and to the extent that any such investment is
certificated, such investment shall be maintained with the Indenture
Trustee at its Corporate Trust Office. All net income or other gain
received from any such investment shall be deposited into or credited
to the Note Payment Account, and may be withdrawn therefrom in
accordance with Section 3.05 of the Indenture. In no event shall the
Indenture Trustee be liable for any investment losses on Permitted
Investments held in or credited to the Pre-Funding Account, provided
that such investments are made in accordance with the provisions of
this Agreement.
Section 3.18 Capitalized Interest Account.
(a) No later than the Closing Date, the Indenture Trustee shall establish
and maintain on behalf of itself one or more segregated trust
accounts, which shall be Eligible Accounts, titled "Capitalized
Interest Account, The Bank of New York, as Indenture Trustee for GMACM
Home Loan Trust 2000-HLTV1" (the "Capitalized Interest Account"). The
Indenture Trustee shall, promptly upon receipt, deposit in the
Capitalized Interest Account and retain therein the Interest
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Coverage Amount. If the Indenture Trustee shall not have received
an investment direction from the Seller, the Indenture Trustee shall
invest funds on deposit in the Capitalized Interest Account in
Permitted Investments of the kind described in clause (v) of the
definition of Permitted Investments having a maturity date no later
than the next succeeding Payment Date. The Servicer shall be entitled
to retain any investment earnings on amounts on deposit in the
Capitalized Interest Account and shall deposit into the Capitalized
Interest Account the amount of any net loss incurred in respect of any
such Permitted Investment immediately upon realization of such loss
without any right of reimbursement therefor. The Servicer shall be the
owner of the Capitalized Interest Account and shall report all items
of income, deduction, gain or loss arising therefrom.
(b) On each Payment Date during the Pre-Funding Period and on the Payment
Date immediately after the end of the Pre-Funding Period, the
Indenture Trustee, at the written direction of the Servicer, shall
withdraw from the Capitalized Interest Account and deposit into the
Note Payment Account an amount equal to the lesser of (i) the
Capitalized Interest Requirement for such Payment Date and (ii) the
excess, if any, of (A) the amount necessary to pay interest for the
related Interest Period at the applicable Note Rate on the related
Note Balances of the Notes immediately prior to such Payment Date over
(B) the funds on deposit in the Note Payment Account on such Payment
Date (after giving effect to all other deposits of funds into the Note
Payment Account on such Payment Date other than any Policy Draw Amount
pursuant to Section 3.28(a) of the Indenture in respect of accrued
interest on the Notes).
(c) In connection with each Subsequent Transfer Date occurring in the
Pre-Funding Period, the Servicer, at its option, may recalculate the
Interest Coverage Amount taking into account the amount remaining in
the Pre-Funding Account following the sale of Subsequent Home Loans to
the Trust on such date. The recomputed Interest Coverage Amount shall
be not less than the amount necessary to cover the Capitalized
Interest Requirement for each remaining Payment Date in the
Pre-Funding Period. With the written consent of the Credit Enhancer
(which consent shall not be unreasonably withheld), on any such
Subsequent Transfer Date, the Seller shall instruct in writing the
Indenture Trustee to pay to it from funds in the Capitalized Interest
Account the excess of the amount on deposit therein over the
recomputed Interest Coverage Amount.
(d) Upon the earlier of (i) termination of the Trust Agreement in
accordance with Section 8.01 thereof and (ii) the Payment Date
following the end of the Pre-Funding Period, any amount remaining on
deposit in the Capitalized Interest Account shall be withdrawn by the
Indenture Trustee and paid to the Seller.
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ARTICLE IV
Servicing Certificate
Section 4.01 Statements to Securityholders.
(a) With respect to each Payment Date, on the Business Day following the
related Determination Date, the Servicer shall forward the Servicing
Certificate to the Indenture Trustee, and the Indenture Trustee,
pursuant to Section 3.26 of the Indenture, shall make such Servicing
Certificate available to each Certificateholder, each Noteholder, the
Credit Enhancer, the Depositor, the Owner Trustee, the Certificate
Paying Agent, Bear Stearns Capital Markets Inc. and each Rating
Agency. The Servicing Certificate shall set forth the following
information as to the Notes and Certificates, to the extent
applicable:
(i) the aggregate amount of (a) Interest Collections, (b) Principal
Collections, and (c) Substitution Adjustment Amounts for such
Collection Period;
(ii) the amount of such distribution as principal to the Noteholders
of each Class of Notes;
(iii)the amount of such distribution as interest to the Noteholders
of each Class of Notes;
(iv) the Policy Draw Amount, if any, for such Payment Date and the
aggregate amount of prior draws on the Policy thereunder not yet
reimbursed;
(v) the amount of such distribution to the Certificateholders;
(vi) the aggregate Principal Balance of the Home Loans as of the end
of the preceding Collection Period;
(vii)the number and aggregate Principal Balances of Home Loans (a) as
to which the Monthly Payment is delinquent for 30-59 days, 60-89
days, 90-119 days, 120-149 days and 150-179 days, respectively,
(b) the related Mortgaged Property of which has been foreclosed
upon and (c) as to which the related Mortgaged Property has
become REO Property, in each case as of the end of the preceding
Collection Period; provided, however, that such information shall
not be provided on the statements relating to the first Payment
Date;
(viii) the aggregate Liquidation Loss Amounts with respect to the
related Collection Period, the amount distributed as principal to
Noteholders in respect of Liquidation Loss Amounts and the
aggregate of the Liquidation Loss Amounts from all Collection
Periods to date expressed as dollar amount and as a percentage of
the aggregate Cut-Off Date Principal Balances of the Home Loans;
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(ix) the aggregate Note Balance of each Class of Notes and the
Certificate Balance of the Certificates after giving effect to
the distribution of principal on such Payment Date;
(x) the amount on deposit in each of the Pre-Funding Account and
Capitalized Interest Account as of the end of the preceding
Collection Period;
(xi) the Percentage Interest applicable to each of the Securities,
after application of payments made on such Payment Date;
(xii)the Overcollateralization Amount as of the end of the preceding
Collection Period;
(xiii) the amount of any payment to be made to the designee or
designees of the Credit Enhancer with respect to such Payment
Date pursuant to Sections 3.05(a)(iv) and 3.30 of the Indenture
and the Limited Reimbursement Agreement;
(xiv)the Net Loan Rate for the related Collection Period; and
(xv) the aggregate Principal Balance of Subsequent Home Loans
transferred to the Trust Estate.
In the case of information furnished pursuant to clauses (ii) and (iii)
above, the amounts shall be expressed as an aggregate dollar amount per Note or
Certificate, as applicable, with a $25,000 denomination.
If a Servicing Default shall occur, on the Business Day following the
related Determination Date, the Servicer shall forward to the Indenture Trustee,
and the Indenture Trustee, pursuant to Section 3.26 of the Indenture, shall
forward or cause to be forwarded by mail to each Certificateholder, each
Noteholder, the Credit Enhancer, the Depositor, the Owner Trustee, the
Certificate Paying Agent and each Rating Agency, a statement to such effect,
including the nature of such Servicing Default. Such statement may be included
in, or separate from, the regular statement sent to Securityholders.
The Indenture Trustee will make the monthly statement to Securityholders
(and, at its option, any additional files containing the same information in an
alternative format) available each month to Securityholders, and other parties
to this Agreement via the Indenture Trustee's internet website. The Indenture
Trustee's internet website shall initially be located at "www.MBSReporting.com".
Assistance in using the website can be obtained by calling Mortgage Backed
Securities Administration at 212-815-2201. Parties that are unable to use the
above distribution options are entitled to have a paper copy mailed to them via
first class mail by calling the customer service desk and indicating such. The
Indenture Trustee shall have the right to change the way the statements to
Securityholders are distributed in order to make such distribution more
convenient and/or more accessible to the above parties and the Indenture Trustee
shall provide timely and adequate notification to all above parties regarding
any such changes.
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(b) In addition, with respect to each Payment Date, on the Business
Day following the related Determination Date, the Servicer shall
forward to the Credit Enhancer and the Rating Agencies the
following information for each Capitalization Workout entered
into during the related Collection Period:
(i) the original Home Equity Loan amount;
(ii) the Home Loan amount after the Capitalization Workout;
(iii)the original Monthly Payment amount;
(iv) the Monthly Payment amount after the Capitalization Workout;
(v) the Capitalized Amount as defined in Section 3.02(a)(v)
herein;
(vi) the CLTV prior to the Capitalization Workout;
(vii)the CLTV after the Capitalization Workout; and
(viii) if an appraisal was used in determining the CLTV referred
to in (vii) above, the type and date of appraisal.
(c) The Servicer shall forward to the Indenture Trustee any other
information reasonably requested by the Indenture Trustee necessary to
make distributions pursuant to Section 3.05 of the Indenture. Prior to
the close of business on the Business Day next succeeding each
Determination Date, the Servicer shall furnish a written statement to
the Certificate Paying Agent and the Indenture Trustee setting forth
the aggregate amounts required to be withdrawn from the Custodial
Account and deposited into the Note Payment Account and/or
Distribution Account on the Business Day preceding the related Payment
Date pursuant to Section 3.03. The determination by the Servicer of
such amounts shall, in the absence of obvious error, be deemed to be
presumptively correct for all purposes hereunder, and the Owner
Trustee and the Indenture Trustee shall be protected in relying upon
the same without any independent check or verification. In addition,
upon the Issuer's written request, the Servicer shall promptly furnish
such information reasonably requested by the Issuer that is reasonably
available to the Servicer to enable the Issuer to perform its federal
and state income tax reporting obligations.
Section 4.02 Tax Returns and 1934 Act Reports
(a) The Servicer will prepare and file or cause to be prepared and filed
all tax and information returns of the Trust Estate.
(b) The Servicer shall prepare all reports on behalf of the Trust Estate,
including, but not limited to, all Forms 8-K, Forms 10-K and, when
applicable, a Form 15 that are required under the Securities Exchange
Act of 1934, as amended. The
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Servicer shall continue to file all Forms 8-K and Forms 10-K with
respect to the Trust Estate until directed by the Depositor in writing
to discontinue such filings.
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ARTICLE V
Note Payment Account
Section 5.01 Note Payment Account. The Indenture Trustee shall establish
and maintain an Eligible Account entitled "The Bank of New York, as Indenture
Trustee, for the benefit of the Securityholders, the Certificate Paying Agent
and the Credit Enhancer, pursuant to the Indenture, dated as of March 30, 2000,
between GMACM Home Loan Trust 2000-HLTV1 and The Bank of New York" (the "Note
Payment Account"). On each Payment Date, amounts on deposit in the Note Payment
Account shall be distributed by the Indenture Trustee in accordance with Section
3.05 of the Indenture. The Indenture Trustee shall invest or cause the
institution maintaining the Note Payment Account to invest the funds therein in
Permitted Investments selected in writing by the Servicer and designated in the
name of the Indenture Trustee, which investments shall mature not later than the
Business Day next preceding the Payment Date next following the date of such
investment (except that (i) any investment in the institution with which the
Note Payment Account is maintained may mature on such Payment Date and (ii) any
other investment may mature on such Payment Date if the Servicer shall advance
funds on such Payment Date to the Note Payment Account in the amount payable on
such investment on such Payment Date, pending receipt thereof to the extent
necessary to make distributions on the Notes, which advance shall be reimbursed
to the Servicer from such investment earnings at maturity) and shall not be sold
or disposed of prior to maturity. All income and gain realized from any such
investment shall be for the benefit of the Servicer and shall be subject to its
withdrawal or order from time to time. The amount of any losses incurred in
respect of any such investments shall be deposited in the Note Payment Account
by the Servicer out of its own funds immediately as realized.
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ARTICLE VI
The Servicer
Section 6.01 Liability of the Servicer. The Servicer shall be liable in
accordance herewith only to the extent of the obligations specifically imposed
upon and undertaken by the Servicer herein.
Section 6.02 Merger or Consolidation of, or Assumption of the Obligations
of, the Servicer. Any corporation into which the Servicer may be merged or
converted or with which it may be consolidated, or any corporation resulting
from any merger, conversion or consolidation to which the Servicer shall be a
party, or any corporation succeeding to the business of the Servicer, shall be
the successor of the Servicer hereunder, without the execution or filing of any
paper or any further act on the part of any of the parties hereto, anything
herein to the contrary notwithstanding.
The Servicer may assign its rights and delegate its duties and obligations
under this Agreement; provided, that the Person accepting such assignment or
delegation shall be a Person qualified to service mortgage loans, is reasonably
satisfactory to the Credit Enhancer (provided, that such consent to assignment
may not be unreasonably withheld), is willing to service the Home Loans and
executes and delivers to the Issuer (with a copy to the Credit Enhancer) an
agreement, in form and substance reasonably satisfactory to the Credit Enhancer,
that contains an assumption by such Person of the due and punctual performance
and observance of each covenant and condition to be performed or observed by the
Servicer under this Agreement; and provided further, that no Rating Event will
occur as a result of such assignment and delegation (as evidenced by a letter to
such effect from each Rating Agency), if determined without regard to the
Policy; and provided further, that the Owner Trustee shall receive an Opinion of
Counsel to the effect that such assignment or delegation will not cause the
Issuer to be treated as an association (or a publicly-traded partnership)
taxable as a corporation for federal income tax purposes.
Section 6.03 Limitation on Liability of the Servicer and Others. Neither
the Servicer nor any of the directors or officers or employees or agents of the
Servicer shall be under any liability to the Issuer, the Owner Trustee, the
Indenture Trustee or the Securityholders for any action taken or for refraining
from the taking of any action in good faith pursuant to this Agreement;
provided, however, that this provision shall not protect the Servicer or any
such Person against any liability that would otherwise be imposed by reason of
its willful misfeasance, bad faith or gross negligence in the performance of its
duties hereunder or by reason of its reckless disregard of its obligations and
duties hereunder. The Servicer and any director or officer or employee or agent
of the Servicer may rely in good faith on any document of any kind prima facie
properly executed and submitted by any Person respecting any matters arising
hereunder. The Servicer and any director, officer, employee or agent of the
Servicer shall be indemnified by the Issuer and held harmless against any loss,
liability or expense incurred in connection with any legal action relating to
this Agreement or the Securities, including any amount paid to the Owner Trustee
or the Indenture Trustee pursuant to Section 6.06(b), other than any loss,
liability or expense incurred by reason of its willful misfeasance, bad faith or
gross negligence in the performance of its duties hereunder or by reason of its
reckless disregard of its
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obligations and duties hereunder. The Servicer shall not be under any obligation
to appear in, prosecute or defend any legal action that is not incidental to its
duties to service the Home Loans in accordance with this Agreement, and that in
its opinion may involve it in any expense or liability; provided, however, that
the Servicer may in its sole discretion undertake any such action that it may
deem necessary or desirable in respect of this Agreement, the rights and duties
of the parties hereto and the interests of the Securityholders. In such event,
the reasonable legal expenses and costs of such action and any liability
resulting therefrom shall be expenses, costs and liabilities of the Issuer, and
the Servicer shall be entitled to be reimbursed therefor. The Servicer's right
to indemnity or reimbursement pursuant to this Section 6.03 shall survive any
resignation or termination of the Servicer pursuant to Section 6.04 or 7.01 with
respect to any losses, expenses, costs or liabilities arising prior to such
resignation or termination (or arising from events that occurred prior to such
resignation or termination).
Section 6.04 Servicer Not to Resign. Subject to the provisions of Section
6.02, the Servicer shall not resign from the obligations and duties hereby
imposed on it except (a) upon determination that the performance of its
obligations or duties hereunder are no longer permissible under applicable law
or are in material conflict by reason of applicable law with any other
activities carried on by it or its subsidiaries or Affiliates, the other
activities of the Servicer so causing such a conflict being of a type and nature
carried on by the Servicer or its subsidiaries or Affiliates at the date of this
Agreement or (b) upon satisfaction of the following conditions: (i) the Servicer
shall have proposed a successor servicer to the Issuer and the Indenture Trustee
in writing and such proposed successor servicer is reasonably acceptable to the
Issuer, the Indenture Trustee and the Credit Enhancer; (ii) each Rating Agency
shall have delivered a letter to the Issuer, the Credit Enhancer and the
Indenture Trustee prior to the appointment of the successor servicer stating
that the proposed appointment of such successor servicer as Servicer hereunder
will not cause a Rating Event, if determined without regard to the Policy; and
(iii) such proposed successor servicer is reasonably acceptable to the Credit
Enhancer, as evidenced by a letter to the Issuer and the Indenture Trustee;
provided, however, that no such resignation by the Servicer shall become
effective until such successor servicer or, in the case of (a) above, the
Indenture Trustee, as pledgee of the Home Loans, shall have assumed the
Servicer's responsibilities and obligations hereunder or the Indenture Trustee,
as pledgee of the Home Loans, shall have designated a successor servicer in
accordance with Section 7.02. Any such resignation shall not relieve the
Servicer of responsibility for any of the obligations specified in Sections 7.01
and 7.02 as obligations that survive the resignation or termination of the
Servicer. Any such determination permitting the resignation of the Servicer
shall be evidenced by an Opinion of Counsel to such effect delivered to the
Indenture Trustee and the Credit Enhancer.
Section 6.05 Delegation of Duties. In the ordinary course of business, the
Servicer at any time may delegate any of its duties hereunder to any Person,
including any of its Affiliates, that agrees to conduct such duties in
accordance with standards comparable to those with which the Servicer complies
pursuant to Section 3.01. Such delegation shall not relieve the Servicer of its
liabilities and responsibilities with respect to such duties and shall not
constitute a resignation within the meaning of Section 6.04.
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Section 6.06 Payment of Indenture Trustee's and Owner Trustee's Fees and
Expenses; Indemnification.
(a) After the Closing Date, the Servicer covenants and agrees to pay to
the Owner Trustee, the Indenture Trustee and any co-trustee of the
Indenture Trustee or the Owner Trustee from time to time, and the
Owner Trustee, the Indenture Trustee and any such co-trustee shall be
entitled to, reasonable compensation (which shall not be limited by
any provision of law in regard to the compensation of a trustee of an
express trust) for all services rendered by each of them in the
execution of the trusts created under the Trust Agreement and the
Indenture and in the exercise and performance of any of the powers and
duties under the Trust Agreement or the Indenture, as the case may be,
of the Owner Trustee, the Indenture Trustee and any co-trustee, and
the Servicer will pay or reimburse the Indenture Trustee and any
co-trustee upon request for all reasonable expenses, disbursements and
advances incurred or made by the Indenture Trustee or any co-trustee
in accordance with any of the provisions of this Agreement, the
Indenture or the Trust Agreement except any such expense, disbursement
or advance as may arise from its negligence, willful misfeasance or
bad faith. In addition, the Indenture Trustee shall be entitled to be
reimbursed from the Servicer for all reasonable costs associated with
the transfer of servicing from the predecessor servicer pursuant to
Section 7.02 hereunder, including, without limitation, any reasonable
costs or expenses associated with the complete transfer of all
servicing data and the completion, correction or manipulation of such
servicing data as may be required by the Indenture Trustee to correct
any errors or insufficiencies in the servicing data or otherwise to
enable the Indenture Trustee to service the Home Loans properly and
effectively.
(b) The Servicer agrees to indemnify the Indenture Trustee and the Owner
Trustee for, and to hold the Indenture Trustee and the Owner Trustee,
as the case may be, harmless against, any loss, liability or expense
incurred without negligence, bad faith or willful misconduct on the
part of the Indenture Trustee or the Owner Trustee, as the case may
be, arising out of, or in connection with, the acceptance and
administration of the Issuer and the assets thereof, including the
costs and expenses (including reasonable legal fees and expenses) of
defending the Indenture Trustee or the Owner Trustee, as the case may
be, against any claim in connection with the exercise or performance
of any of its powers or duties under any Basic Document; provided
that:
(i) with respect to any such claim, the Indenture Trustee or Owner
Trustee, as the case may be, shall have given the Servicer
written notice thereof promptly after the Indenture Trustee or
Owner Trustee, as the case may be, shall have actual knowledge
thereof;
(ii) while maintaining control over its own defense, the Issuer, the
Indenture Trustee or Owner Trustee, as the case may be, shall
cooperate and consult fully with the Servicer in preparing such
defense; and
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(iii)notwithstanding anything in this Agreement to the contrary, the
Servicer shall not be liable for settlement of any claim by the
Indenture Trustee or the Owner Trustee, as the case may be,
entered into without the prior consent of the Servicer.
No termination of this Agreement or resignation or removal of the Indenture
Trustee shall affect the obligations created by this Section 6.06 of the
Servicer to indemnify the Indenture Trustee and the Owner Trustee under the
conditions and to the extent set forth herein.
Notwithstanding the foregoing, the indemnification provided by the Servicer
in this Section 6.06(b) shall not pertain to any loss, liability or expense of
the Indenture Trustee or the Owner Trustee, including the costs and expenses of
defending itself against any claim, incurred in connection with any actions
taken by the Indenture Trustee or the Owner Trustee at the direction of the
Noteholders or Certificateholders, as the case may be, pursuant to the terms of
this Agreement.
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ARTICLE VII
Default
Section 7.01 Servicing Default.
(a) If any one of the following events (each, a "Servicing Default") shall
occur and be continuing:
(i) any failure by the Servicer to deposit in the Custodial Account,
the Note Payment Account or the Distribution Account any deposit
required to be made under the terms of this Agreement that
continues unremedied for a period of five Business Days after the
date upon which written notice of such failure shall have been
given to the Servicer by the Issuer or the Indenture Trustee, or
to the Servicer, the Issuer and the Indenture Trustee by the
Credit Enhancer;
(ii) any failure on the part of the Servicer duly to observe or
perform in any material respect any other covenants or agreements
of the Servicer set forth in the Securities or in this Agreement,
which failure, in each case, materially and adversely affects the
interests of the Securityholders or the Credit Enhancer, and
which failure continues unremedied for a period of 45 days after
the date on which written notice of such failure, requiring the
same to be remedied, and stating that such notice is a "Notice of
Default" hereunder, shall have been given to the Servicer by the
Issuer or the Indenture Trustee, or to the Servicer, the Issuer
and the Indenture Trustee by the Credit Enhancer;
(iii)the entry against the Servicer of a decree or order by a court
or agency or supervisory authority having jurisdiction under
Title 11 of the United States Code or any other applicable
federal or state bankruptcy, insolvency or other similar law, or
if a receiver, assignee or trustee in bankruptcy or
reorganization, liquidator, sequestrator or similar official
shall have been appointed for or taken possession of the Servicer
or its property, and the continuance of any such decree or order
unstayed and in effect for a period of 60 consecutive days;
(iv) the Servicer shall voluntarily submit to Proceedings under Title
11 of the United States Code or any other applicable federal or
state bankruptcy, insolvency or other similar law relating to the
Servicer or of or relating to all or substantially all of its
property; or the Servicer shall admit in writing its inability to
pay its debts generally as they become due, file a petition to
take advantage of any applicable insolvency or reorganization
statute, make an assignment for the benefit of its creditors or
voluntarily suspend payment of its obligations;
34
then, and in every such case, so long as a Servicing Default shall not have been
remedied by the Servicer, either the Issuer, the Indenture Trustee (with the
consent of the Credit Enhancer) or the Credit Enhancer, by notice then given in
writing to the Servicer, the Issuer and the Indenture Trustee, may terminate all
of the rights and obligations of the Servicer as servicer under this Agreement
other than its right to receive servicing compensation and expenses for
servicing the Home Loans hereunder during any period prior to the date of such
termination, and the Issuer, the Credit Enhancer or the Indenture Trustee (with
the consent of the Credit Enhancer), may exercise any and all other remedies
available at law or equity. Any such notice to the Servicer shall also be given
to each Rating Agency, the Credit Enhancer and the Issuer. On or after the
receipt by the Servicer of such written notice, all authority and power of the
Servicer under this Agreement, whether with respect to the Securities or the
Home Loans or otherwise, shall pass to and be vested in the Indenture Trustee,
as pledgee of the Home Loans, pursuant to and under this Section 7.01; and,
without limitation, the Indenture Trustee is hereby authorized and empowered to
execute and deliver, on behalf of the Servicer, as attorney-in-fact or
otherwise, any and all documents and other instruments, and to do or accomplish
all other acts or things necessary or appropriate to effect the purposes of such
notice of termination, whether to complete the transfer and endorsement of each
Home Loan and related documents, or otherwise. The Servicer agrees to cooperate
with the Issuer, the Credit Enhancer and Indenture Trustee, as the case may be,
in effecting the termination of the responsibilities and rights of the Servicer
hereunder, including, without limitation, the transfer to the Indenture Trustee
for the administration by it of all cash amounts relating to the Home Loans that
shall at the time be held by the Servicer and to be deposited by it in the
Custodial Account, or that have been deposited by the Servicer in the Custodial
Account or thereafter received by the Servicer with respect to the Home Loans.
All reasonable costs and expenses (including, but not limited to, attorneys'
fees) incurred in connection with amending this Agreement to reflect such
succession as Servicer pursuant to this Section 7.01 shall be paid by the
predecessor Servicer (or if the predecessor Servicer is the Indenture Trustee,
the initial Servicer) upon presentation of reasonable documentation of such
costs and expenses.
(b) Notwithstanding any termination of the activities of the Servicer
hereunder, the Servicer shall be entitled to receive, out of any late
collection of a payment on a Home Loan which was due prior to the
notice terminating the Servicer's rights and obligations hereunder and
received after such notice, that portion to which the Servicer would
have been entitled pursuant to Sections 3.03 and 3.09 as well as its
Servicing Fee in respect thereof, and any other amounts payable to the
Servicer hereunder the entitlement to which arose prior to the
termination of its activities hereunder.
Notwithstanding the foregoing, a delay in or failure of performance under
paragraph (a)(i) or (ii) above, after the applicable grace periods specified
therein, shall not constitute a Servicing Default if such delay or failure could
not be prevented by the exercise of reasonable diligence by the Servicer and
such delay or failure was caused by an act of God or the public enemy, acts of
declared or undeclared war, public disorder, rebellion or sabotage, epidemics,
landslides, lightning, fire, hurricanes, earthquakes, floods or similar causes.
The preceding sentence shall not relieve the Servicer from using reasonable
efforts to perform its respective obligations in a timely manner in accordance
with the terms of this Agreement. The Servicer shall provide the Indenture
Trustee, the Credit Enhancer and the Securityholders with notice of
35
any such failure or delay by it, together with a description of its efforts to
so perform its obligations. The Servicer shall immediately notify the Indenture
Trustee, the Credit Enhancer and the Issuer in writing of any Servicing Default.
Section 7.02 Indenture Trustee to Act; Appointment of Successor.
(a) On and after the time the Servicer receives a notice of termination
pursuant to Section 7.01 or sends a notice pursuant to Section 6.04,
the Indenture Trustee as pledgee of the Home Loans shall itself
become, or shall appoint an affiliate of the Indenture Trustee to
become the successor in all respects to the Servicer in its capacity
as servicer under this Agreement and the transactions set forth or
provided for herein and shall immediately assume all of the
obligations of the Servicer to make advances on Home Loans under
Section 3.02(b) and will be subject to all other responsibilities,
duties and liabilities relating thereto placed on the Servicer by the
terms and provisions hereof as soon as practicable, but in no event
later than 90 days after the Indenture Trustee becomes successor
Servicer. Nothing in this Agreement or in the Trust Agreement shall be
construed to permit or require the Indenture Trustee to (i) succeed to
the responsibilities, duties and liabilities of the initial Servicer
in its capacity as Seller under the Purchase Agreement, (ii) be
responsible or accountable for any act or omission of the Servicer
prior to the issuance of a notice of termination hereunder, (iii)
require or obligate the Indenture Trustee, in its capacity as
successor Servicer, to purchase, repurchase or substitute any Home
Loan, (iv) fund any losses on any Permitted Investment directed by any
other Servicer, or (v) be responsible for the representations and
warranties of the Servicer. As compensation therefor, the Indenture
Trustee shall be entitled to such compensation as the Servicer would
have been entitled to hereunder if no such notice of termination had
been given. Notwithstanding the foregoing, if the Indenture Trustee is
(x) unwilling to act as successor Servicer itself or to appoint an
affiliate to become successor Servicer, or (y) legally unable so to
act, the Indenture Trustee as pledgee of the Home Loans may (in the
situation described in clause (x)) or shall (in the situation
described in clause (y)) appoint or petition a court of competent
jurisdiction to appoint any established housing and home finance
institution, bank or other mortgage loan servicer having a net worth
of not less than $10,000,000 as the successor to the Servicer
hereunder in the assumption of all or any part of the
responsibilities, duties or liabilities of the Servicer hereunder;
provided, that any such successor Servicer shall be acceptable to the
Credit Enhancer, as evidenced by the Credit Enhancer's prior written
consent, which consent shall not be unreasonably withheld; and
provided further, that the appointment of any such successor Servicer
will not result in a Rating Event, if determined without regard to the
Policy. Pending appointment of a successor to the Servicer hereunder,
unless the Indenture Trustee is prohibited by law from so acting, the
Indenture Trustee itself shall act or appoint an affiliate to act in
such capacity as provided above. In connection with such appointment
and assumption, the successor shall be entitled to receive
compensation out of payments on Home Loans in an amount equal to the
compensation that the Servicer would otherwise have received pursuant
to Section 3.09 (or such other compensation as the Indenture Trustee
and such
36
successor shall agree). The appointment of a successor
Servicer shall not affect any liability of the predecessor Servicer
that may have arisen under this Agreement prior to its termination as
Servicer (including the obligation to purchase Home Loans pursuant to
Section 3.01, to pay any deductible under an insurance policy pursuant
to Section 3.04 or to indemnify the Indenture Trustee pursuant to
Section 6.06), nor shall any successor Servicer be liable for any acts
or omissions of the predecessor Servicer or for any breach by such
Servicer of any of its representations or warranties contained herein
or in any related document or agreement. The Indenture Trustee and
such successor shall take such action, consistent with this Agreement,
as shall be necessary to effectuate any such succession.
Notwithstanding the foregoing, the Indenture Trustee, in its capacity
as successor Servicer, shall not be responsible for the lack of
information and/or documents that it cannot obtain through reasonable
efforts.
(b) Any successor, including the Indenture Trustee, to the Servicer as
servicer shall during its term as Servicer (i) continue to service and
administer the Home Loans for the benefit of the Securityholders, (ii)
maintain in force a policy or policies of insurance covering errors
and omissions in the performance of its obligations as Servicer
hereunder and a fidelity bond in respect of its officers, employees
and agents to the same extent as the Servicer is so required pursuant
to Section 3.13 and (iii) be bound by the terms of the Insurance
Agreement.
(c) Any successor Servicer, including the Indenture Trustee, shall not be
deemed in default or to have breached its duties hereunder if the
predecessor Servicer shall fail to deliver any required deposit to the
Custodial Account or otherwise cooperate with any required servicing
transfer or succession hereunder.
Section 7.03 Notification to Securityholders. Upon any termination of or
appointment of a successor to the Servicer pursuant to this Article VII or
Section 6.04, the Indenture Trustee shall give prompt written notice thereof to
the Securityholders, the Credit Enhancer, the Issuer and each Rating Agency.
37
ARTICLE VIII
Miscellaneous Provisions
Section 8.01 Amendment. This Agreement may be amended from time to time by
the parties hereto; provided, that any such amendment shall be accompanied by a
letter from each Rating Agency to the effect that such amendment will not result
in a Rating Event, if determined without regard to the Policy; and provided
further, that the Credit Enhancer and the Indenture Trustee shall consent
thereto.
Section 8.02 GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE
WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES
OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section 8.03 Notices. All demands, notices and communications hereunder
shall be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by certified mail, return receipt requested, to (a) in
the case of the Servicer, 100 Witmer Road, Horsham, Pennsylvania 19044,
Attention: Anthony Renzi, (b) in the case of the Credit Enhancer, Ambac
Assurance Corporation, One State Street Plaza, New York, New York 10004,
Attention: Structured Finance - Mortgage Backed Securities (GMACM Home Loan
Trust 2000-HLTV1), (c) in the case of Moody's, Home Home Loan Monitoring Group,
4th Floor, 99 Church Street, New York, New York 10001, (d) in the case of
Standard & Poo's, 26 Broadway, 15th Floor, New York, New York 10004, Attention:
Residential Mortgage Surveillance Group, (e) in the case of the Owner Trustee,
Wilmington Trust Company, Rodney Square North, 1100 North Market Street,
Wilmington, Delaware 19890-0001 and (f) in the case of the Issuer, GMACM Home
Loan Trust 2000-HLTV1, c/o the Owner Trustee at the address set forth in clause
(e) above, and (g) in the case of the Indenture Trustee, at the Corporate Trust
Office of the Indenture Trustee, with a copy to The Bank of New York, 101
Barclay Street, 12-E, New York, New York 10286, Attention: GMACM 2000-HLTV1; or,
with respect to each of the foregoing Persons, at such other address as shall be
designated by such Person in a written notice to the other foregoing Persons.
Any notice required or permitted to be mailed to a Securityholder shall be given
by first class mail, postage prepaid, at the address of such Securityholder as
shown in the Note Register or Certificate Register, as the case may be. Any
notice so mailed within the time prescribed in this Agreement shall be
conclusively presumed to have been duly given, whether or not the related
Securityholder receives such notice. Any notice or other document required to be
delivered or mailed by the Indenture Trustee to any Rating Agency shall be given
on a reasonable efforts basis and only as a matter of courtesy and
accommodation, and the Indenture Trustee shall have no liability for failure to
deliver any such notice or document to any Rating Agency.
Section 8.04 Severability of Provisions. If any one or more of the
covenants, agreements, provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants, agreements, provisions or
terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement or the Securities or
the rights of the Securityholders.
38
Section 8.05 Third-Party Beneficiaries. This Agreement shall inure to the
benefit of and be binding upon the parties hereto, the Securityholders, the
Credit Enhancer, the Owner Trustee and their respective successors and permitted
assigns. Except as otherwise provided in this Agreement, no other Person shall
have any right or obligation hereunder.
Section 8.06 Counterparts. This instrument may be executed in any number of
counterparts, each of which so executed shall be deemed to be an original, but
all such counterparts shall together constitute but one and the same instrument.
Section 8.07 Effect of Headings and Table of Contents. The Article and
Section headings herein and the Table of Contents are for convenience only and
shall not affect the construction hereof.
Section 8.08 Termination Upon Purchase by the Servicer or Liquidation of
All Home Loans; Partial Redemption.
(a) The respective obligations and responsibilities of the Servicer, the
Issuer and the Indenture Trustee created hereby shall terminate upon
the last action required to be taken by the Issuer pursuant to the
Trust Agreement and by the Indenture Trustee pursuant to the Indenture
following the earlier of:
(i) the date on or before which the Indenture or the Trust Agreement
is terminated, or
(ii) the purchase by the Servicer from the Issuer of all Home
Loans and REO Property in accordance with Section
8.08(b).
(b) The Servicer shall have the right to purchase from the Issuer all of
the Home Loans and REO Property if the Pool Balance as of any Payment
Date is less than 10% of the Pool Balance as of the Cut-off Date
(provided that a draw on the Policy would not occur as a result of
such purchase), at a price equal to 100% of the aggregate unpaid
Principal Balance of all such remaining Home Loans (and, in the case
of REO Property, the fair market value of the REO Property), plus
accrued and unpaid interest thereon at the weighted average of the
Loan Rates thereon up to the date preceding the Payment Date on which
such amounts are to be distributed to the Securityholders, plus any
amounts due and owing to the Credit Enhancer under the Insurance
Agreement (and any unpaid Servicing Fee shall be deemed to have been
paid at such time).
If such right is exercised by the Servicer, the Servicer shall deposit the
amount calculated pursuant to this Section 8.08(b) with the Indenture Trustee
pursuant to Section 4.10 of the Indenture and, upon the receipt of such deposit,
the Indenture Trustee or Custodian shall release to the Servicer, the files
pertaining to the Home Loans being purchased. The Servicer, at its expense,
shall prepare and deliver to the Indenture Trustee for execution, at the time
the related Home Loans are to be released to the Servicer, appropriate documents
assigning each such Home Loans from the Indenture Trustee or the Issuer to the
Servicer or the appropriate party.
39
Section 8.09 Certain Matters Affecting the Indenture Trustee. For all
purposes of this Agreement, in the performance of any of its duties or in the
exercise of any of its powers hereunder, the Indenture Trustee shall be subject
to and entitled to the benefits of Article VI of the Indenture.
Section 8.10 Owner Trustee Not Liable for Related Documents. The recitals
contained herein shall be taken as the statements of the Servicer, and the Owner
Trustee and the Indenture Trustee assume no responsibility for the correctness
thereof. The Owner Trustee and the Indenture Trustee make no representations as
to the validity or sufficiency of this Agreement, of any Basic Document or
Related Document, or of the Certificates (other than the signatures of the Owner
Trustee and the Indenture Trustee on the Certificates) or the Notes. The Owner
Trustee and the Indenture Trustee shall at no time have any responsibility or
liability with respect to the sufficiency of the Trust Estate or its ability to
generate the payments to be distributed to Certificateholders under the Trust
Agreement or the Noteholders under the Indenture, including the compliance by
the Depositor, the Seller or the Servicer with any warranty or representation
made under any Basic Document or the accuracy of any such warranty or
representation, or any action of any person taken in the name of the Owner
Trustee or the Indenture Trustee.
40
IN WITNESS WHEREOF, the Servicer, the Issuer and the Indenture Trustee have
caused this Agreement to be duly executed by their respective officers or
representatives all as of the day and year first above written.
GMAC MORTGAGE CORPORATION,
as Servicer
By: /s/ Laura Reichel
----------------------------
Name: Laura Reichel
Title: Vice President
GMACM HOME LOAN TRUST
2000-HLTV1, as Issuer
By: Wilmington Trust Company,
not in its individual
capacity but solely as
Owner Trustee
By: /s/ Jill K. Morrison
---------------------------
Name: Jill K. Morrison
Title: Financial Services Officer
THE BANK OF NEW YORK,
as Indenture Trustee
By: /s/ John Polito
----------------------------
Name: John Polito
Title: Vice President
Lien Senior Employee
Customer Borrower1 Zip Credit Posi- Lien Company
# Name Street Address City, State State Code DTI Limit tion Balance Name
5694443 John Crockett II 110 Gwen Drive A Forest Hill MD 21050 45.25 $46,000.00 2 $96,059.00
5213673 Joselito Villaverde 15420 Ruby Court Lathrop CA 95330 40.57 $46,100.00 2 $135,000.00
5233523 Ramon Rodriguez 1293 Longport Way Corona CA 91719 40.60 $43,000.00 2 $155,450.00
#9-42C
5237862 Brian Hefter 18784 Tulipwood Circle Huntington CA 92646 44.88 $62,000.00 2 $141,000.00
Beach
5276944 George Frank 93092 County Road 652 Marcellus MI 49067 32.39 $46,500.00 2 $87,200.00
5277017 Richard Bettman 54 Horseshoe Court Neptune NJ 07753 47.58 $30,000.00 2 $111,826.00
5277025 Alaeddine Cherkaoui 3305 Edgewood Road Kensington MD 20895 46.02 $44,900.00 2 $165,769.00
5277223 John Hash 10412 Woodlake Court Spotsylvania VA 22553 27.15 $48,500.00 2 $169,225.00
5277249 Wally F. Kulesza 673 Old Hunt Way Herndon VA 20170 30.80 $150,000.00 2 $304,000.00
5277280 Kris Skoniecki 446 Cottonwood Road Frankfort IL 60423 49.98 $47,600.00 2 $178,252.00
5277298 Joseph Tomes 746 South West Palm City FL 34990 45.83 $70,000.00 2 $148,482.00
Woodcreek Dr.
5277314 John Hill 2114 S. Barcelona St. Spring Valley CA 91977 47.60 $100,000.00 2 $156,961.00
5277322 David Benjaman 22269 Avenue San Luis Woodland Hills CA 91364 14.99 $75,000.00 2 $269,000.00
5277355 David J. Blizzard 6417 Pomeroy Circle Orlando FL 32810 25.92 $41,300.00 2 $103,732.00
5277421 Erik Yeager 8823 Hargrave Street Philadelphia PA 19152 35.17 $29,300.00 2 $95,734.00
5277439 Tony Manfree 858 South Van Horn Av. West Covina CA 91790 38.00 $42,500.00 2 $193,000.00
5277470 Reginald Scheipe Brownsville Road Wernersville PA 19565 44.82 $64,200.00 2 $41,955.00
5277504 Audra Hession 314-316 West Street Carthage NY 13619 27.72 $37,900.00 2 $41,148.00
5277512 Robert M. Harte 8617 White Rock Drive Bakersfiled CA 93312 34.31 $55,000.00 2 $108,474.00
5277561 William Provost 2840 N.E. 14th St.#306B Pompano Beach FL 33062 35.81 $85,000.00 2 $48,610.00
5277579 Grady Thomas 1460 Maryland Av. Severn MD 21144 31.93 $50,000.00 2 $127,457.00
5277611 Michael S. Paladino 24 Court Knolle New Hartford NY 13413 38.18 $22,500.00 2 $118,328.00
5277629 Lawrence Ressegue 25327 Via Artina St. Santa Clarita CA 91355 39.56 $30,000.00 2 $217,000.00
5277678 Peter Langsfeld 1362 Honeyhill Drive Diamond Bar CA 91789 44.46 $56,000.00 2 $215,523.00
5277694 James Van Deusen 1171 Trilium CT W Salem OH 44287 30.03 $31,000.00 2 $54,433.00
5277702 Joe C. Williams 335 Mylo Circle Harvest AL 35749 38.15 $35,000.00 2 $65,161.00
5277744 Annette Fortier 664 Yucca Street Imperial CA 92251 30.20 $80,500.00 2 $119,900.00
5277785 William Blaylock 3817 Gem Street Lancaster CA 93536 37.86 $36,000.00 2 $88,230.00
5277801 Adam Weldele 4817 Lakewood Blvd Lakewood CA 90712 40.06 $28,000.00 2 $174,852.00
5277868 Timothy Ryan 1213 S. Jefferson Av. Sioux Falls SD 57105 31.48 $61,800.00 2 $89,607.00
5277884 Bruce Goldberger 211 Agusta Circle Mount Laurel NJ 08054 20.80 $69,000.00 2 $107,000.00
5289483 William Connor Jr 112 Old Colonial Dr. Gardner MA 01440 28.30 $28,000.00 2 $50,000.00
#4 Bldg 2
5289558 Joel Hutchins 208 North Main Street Van Buren OH 45889 38.10 $50,000.00 2 $87,507.00
5289574 Stephen Mathew 201 Newark Avenue Bloomfield NJ 07003 34.75 $42,100.00 2 $135,000.00
5289681 Lori Archbold 5 Barrinton Drive Wheeling WV 26003 35.55 $125,000.00 2 $247,043.00
5289723 Victor A. Lindsey 276 Heathcliff Place Brea CA 92821 49.97 $40,000.00 2 $224,000.00
5289913 Nenita Ramos 320 Clinton Avenue Middlesex NJ 08846 42.97 $32,000.00 2 $129,000.00
5289947 Imtiaz Patel 2034 Harmon Cove Towers Secaucus NJ 07094 31.16 $35,000.00 2 $162,000.00
5290101 Mark S. Schroeder 278 North Bigelow Hampton CT 06247 49.06 $132,500.00 2 $132,000.00
5290176 James Crocitto 1603 Douglas Road Stockton CA 95207 44.90 $33,900.00 2 $77,255.00
5290523 Amber Tassone 15912 Stare Street North Hills CA 91343 46.83 $50,000.00 2 $159,325.00
5290549 Francisco Castillo 2794 - 2796 N. Los Angeles CA 90039 35.24 $35,000.00 2 $142,822.00
Coolidge Ave.
5290952 Ronald Glickman 13622 Sioux Road Westninster CA 92683 27.35 $75,000.00 2 $212,086.00
5291364 Chritie A. Stiner 13828 Plantree Drive Carmel IN 46033 31.21 $51,800.00 2 $137,180.00
5291448 Lee Margot 2045 31st Street San Diego CA 92104 37.19 $28,000.00 2 $180,250.00
5291489 James Shimer 200 Asquithview Lane Arnold MD 21012 37.95 $80,000.00 2 $106,649.00
5292040 Dennis Gleason 106 Wright Street E Durham NY 12423 19.57 $24,100.00 2 $83,000.00
5292222 Patrick Murphy II 406 South Capitol Hartington NE 68739 25.13 $37,000.00 2 $56,260.00
5292230 Patrick Perrin 23 Christy Lane Sparta NJ 7871 37.71 $50,000.00 2 $215,191.00
5292263 Jose Nieves 153 Beaver Street New Britain CT 06051 30.07 $38,500.00 2 $44,922.00
5292354 Jenifer Bruner 308 Ashford Drive Lancaster PA 17601 39.12 $71,000.00 2 $110,788.00
5292495 Robert Rodriguez 7251 Meadowlark Pl. Rancho CA 91701 31.27 $32,900.00 2 $139,321.00
Cucamonga
5292842 Brian Johnson 3407 Jackson Court Hopkinsville KY 42240 31.31 $39,300.00 2 $53,000.00
5293238 Michael Butz 19711 Parkside Saint Clair MI 48080 37.43 $78,000.00 2 $77,103.00
Shores
5293394 Dennis Lee 15312 Fieldston Lane Huntington CA 92647 48.93 $46,200.00 2 $198,000.00
Beach
5293790 Anthony Abate 6631 36th Avenue Kenosha WI 53142 34.35 $25,000.00 2 $67,500.00
5294038 Scott Mullett 330 Connecticut Avenue Pittsfield MA 1201 30.22 $45,700.00 2 $67,000.00
5294111 Ricky Jones 215 North Maple Windsor IL 61957 24.57 $32,000.00 2 $69,280.00
5294137 Andrew Zavarellla 41 ELM RIDGE MATTOON IL 61938 38.33 $50,800.00 2 $129,230.00
5294517 Benedict Odita 1 Edgewater Lane Willingboro NJ 08046 34.03 $61,000.00 2 $125,590.00
5294863 Kelly Burton 2296 East Sherri Dr. Gilbert AZ 85296 41.90 $35,000.00 2 $128,000.00
5295167 Jorge L. Lopez 1237 S.W. 46th Way Deerfield FL 33442 44.22 $34,000.00 2 $111,000.00
Beach
5295241 Martha Gehringer 1221 Wyndham Forest Lexington KY 40514 30.05 $70,000.00 2 $107,626.00
Circle
5295373 Eric Wertz 110 Vera Circle Ithaca NY 14850 33.03 $22,200.00 2 $83,352.00
5311576 Alva Brathwaite 26 Massachusetts Avenue Quincy MA 02169 40.50 $41,900.00 2 $165,000.00
5311758 William J. Raver 6267 Lake Athabaska Pl. San Diego CA 92119 38.50 $90,600.00 2 $170,489.00
5312293 Steve M. Uchic 340 Pine Street Jermyn PA 18433 21.41 $35,000.00 2 $76,058.00
5312509 Kenneth Foster 7435 North Laguna Vista Fresno CA 93711 47.34 $50,000.00 2 $181,450.00
5312590 Brandon Tesmer 15941 Willett Lane Huntington CA 92647 46.12 $100,000.00 2 $283,500.00
Beach
5312681 Barbara Stiffler 4406 South Pinebrook Ln Columbia MO 65203 22.59 $40,000.00 2 $111,430.00
5312699 John W. Hawkins Jr. 938 12th Avenue Prospect Park PA 19076 27.64 $38,000.00 2 $79,700.00
5312962 Kelly Johnston 6370 Hanover Crossing Hanover MD 21076- 33.52 $56,900.00 2 $206,198.00
Way
5313044 Nicole Murphy 3134 South 95th Circle Mesa AZ 85212 33.09 $41,700.00 2 $120,589.00
5313077 Thomas Spitler 2305 Barcelona Way Sacramento CA 95825 30.82 $39,900.00 2 $90,532.00
5313192 Donald Perius 3090 Vintage Place Riverside CA 92509 30.78 $27,500.00 2 $144,700.00
5313259 Robert Stern 11321 Winery Drive Fontana CA 92335 41.46 $76,700.00 2 $80,751.00
5313366 Thomas Clark 135 Lupe Avenue Newbury Park CA 91320 49.87 $35,000.00 2 $223,161.00
5313382 Vincent Pavlu 47 Sunset Court Hudson CO 80642 24.53 $48,500.00 2 $121,034.00
5314141 Delmar Goldhammer 512 East 12th Street Mitchell SD 57301- 35.93 $45,200.00 2 $57,000.00
5314224 Leon Davidson 993 N.W. Anjni Cir. Corvallis OR 97330 35.95 $25,000.00 2 $160,622.00
5314240 Maria Banico 1001 Front Street Keosauqua IA 52565- 38.19 $84,000.00 2 $137,000.00
5314802 Harold Manson 4340 College View Way Carmichael CA 95608 38.76 $60,000.00 2 $240,000.00
5314869 Teresa Bennett 180 Scranton Court Zionsville IN 46077 39.05 $43,200.00 2 $233,000.00
5314877 Gracie Montes 1773 Hoover Place Placentia CA 92870 46.53 $65,000.00 2 $182,616.00
5315023 David Mickel 1502 Nw 10th Avenue Camas WA 98607 37.13 $125,000.00 2 $225,971.00
5315072 Robert Bearrood 3510 Oakdale Court Eau Claire WI 54701 37.92 $108,000.00 2 $176,344.00
5315726 Diana Stephens 1555 N. Sandburg Chicago IL 60610 46.52 $100,000.00 2 $118,246.00
Terr. #206
5315981 James E. Farrell Jr. 19750 Merryhill Street Santa Clarita CA 91351 33.89 $40,000.00 2 $167,000.00
5316005 Konrad Aigner 2 East Dahlia Lane Round Lake IL 60073- 28.47 $52,000.00 2 $149,182.00
Beach
5332093 Jackie Hardy 115 Whitewater Cove Newport NC 28570 39.88 $42,000.00 2 $108,000.00
5332432 Luis Lopez 16158 White Hawk Drive Parker CO 80134 47.54 $53,000.00 2 $140,164.00
5332721 Dinh Nguyen 8738 Villanova Street Los Angeles CA 90045 49.64 $150,000.00 2 $340,000.00
5332804 Terry Allen 3531 Moon Way Woodbridge VA 22193 42.66 $70,800.00 2 $168,000.00
5332945 Samuel Curry 115 Dallas Highway Villa Rica GA 30180 51.53 $30,000.00 2 $70,439.00
5332994 John Ellenbecker 1574 North 6th Avenue Saint Cloud MN 56303- 49.36 $80,000.00 2 $266,149.00
5333117 Christopher Finley 8539 Madison Street Paramount CA 90723 33.86 $36,700.00 2 $146,665.00
5333620 FRANCIS FARRAR 600 ARAGONA BLVD Jacksonville NC 28540- 33.43 $67,200.00 2 $47,737.00
5333786 Jose Cartagena 2478 Olivera Road Concord CA 94520- 46.86 $30,000.00 2 $164,900.00
5333802 Jane Benson 3169 Faust Avenue Long Beach CA 90808- 45.68 $46,000.00 2 $170,879.00
5333844 David Braswell 7412 127th Avenue S.W. Olympia WA 98512 37.42 $60,000.00 2 $140,335.00
5333919 Betty Burns 5464 Great Woods Dr. Indianapolis IN 46224 42.79 $23,750.00 2 $109,408.00
5333943 Michael Esparza 5203 East Monlaco Road Long Beach CA 90808- 49.22 $24,000.00 2 $164,000.00
5333950 Nancy Levy 16 Whittier Court Freehold NJ 07728 36.95 $27,600.00 2 $131,000.00
5333968 Feleberto Lozada 23515 Lyons Avenue #257 Valencia CA 91355- 27.66 $61,200.00 2 $64,932.00
5334032 Darryl Henderson 1711 West 153rd Street Gardena CA 90247 40.93 $15,000.00 2 $173,112.00
5334065 George Ginter 625 Centennial Lane Lexington KY 40502 39.43 $125,000.00 2 $298,000.00
5334164 Stephen Dombrowski 15400 Orange Blvd. Loxahatchee FL 33470 28.38 $57,100.00 2 $112,486.00
5334180 Jay Hall 684 Lafayette Avenue Marengo IA 52301 38.93 $27,500.00 2 $55,881.00
5334214 Pete Giangaspro JR 20 Tricia BLVD Highland NY 12528 35.42 $50,000.00 2 $159,800.00
5334339 Richard Knutson 6624 Dunmore Avenue Citrus Heights CA 95621 41.22 $101,000.00 2 $98,935.00
5334446 Joseph Harrity 1746 South 30th Street Kansas City KS 66106 30.89 $28,000.00 2 $70,417.00
5334453 Chun Lee 1025 Ackley Street Monterey Park CA 91755- 49.87 $71,000.00 2 $211,453.00
5334628 Jeffrey A. Kurz 3218 Ainwick Road Columbus OH 43221 41.25 $34,000.00 2 $136,640.00
5334677 Harry Spivey 810 Wild Flower Street Merritt Island FL 32953 29.73 $23,200.00 2 $151,000.00
5334826 Christine Sparks 621 West Fletcher Av. Orange CA 92865 34.82 $28,700.00 2 $144,871.00
Unit 21
5335088 R. Eric Lucik 116 East Michigan Road New Lenox IL 60451 31.26 $25,700.00 2 $150,300.00
5335294 Howard Van Buren 1391 Lawrence 2130 Sarcoxie MO 64862- 29.25 $55,000.00 2 $94,000.00
5335369 Scot Mericle 50 Olympia LN Sicklerville NJ 08081- 35.59 $85,000.00 2 $137,000.00
5335781 KYLE MURPHY 5 Bolles Court Quaker Hill CT 06375 34.26 $40,000.00 2 $125,000.00
5335799 Michael Madigan 6873 26th Street North Oakdale MN 55128 32.51 $37,000.00 2 $146,221.00
5336151 Lee Dolan 11652 Paseo Bonita Los Alamitos CA 90720- 28.37 $117,700.00 2 $293,161.00
5336284 Wendell Jordan 1250 Bruner Road Dothan AL 36301- 31.35 $43,000.00 2 $74,800.00
5336391 HENRY V. MORTON 705 Fir Carlin NV 89822 34.09 $61,500.00 2 $81,763.00
5336623 Mark T. Kurtyka 5425 Gold Court Wichita KS 67217 24.51 $20,000.00 2 $79,914.00
5336656 Craig D. Korotko 5946 East Cadbury Drive Orange CA 92869 38.92 $51,200.00 2 $204,000.00
5336748 Thomas Miller 608 South Gemstone St. Ridgecrest CA 93555- 37.19 $52,000.00 2 $69,545.00
5336920 Wade Roberts 555 Bonita Drive Tulare CA 93274- 32.97 $31,596.00 2 $93,076.00
5336938 Deborah Fisk 1521 Moor Court Riverside CA 92507- 47.23 $45,400.00 2 $145,000.00
5337068 Wayland Fairchild 14579 Corral Street Victorville CA 92394 26.79 $50,000.00 2 $99,064.00
5337373 Rudolf Tesselaar 28188 Langside Avenue Canyon CA 91351- 44.07 $125,000.00 2 $142,130.00
Country Area
5337415 Lewis Knight 5821 Garden Park Drive Garden Valley CA 95633 24.33 $60,000.00 2 $161,670.00
5338033 Jerry Neal 729 Mt. Zion Road Florence KY 41042 47.18 $120,000.00 2 $187,000.00
5338157 Darlene Powers Route 2 Box 64 Little Hocking OH 45742 39.99 $60,000.00 2 $91,500.00
5338165 John Carty 24 Severndale Road Severna Park MD 21146- 43.69 $17,400.00 2 $190,500.00
5338199 Michael Montgomery 4120 Woodgrove Covina CA 91722 39.59 $150,000.00 2 $47,612.00
5338215 John Fitz-Simon, III 65 Delwood Road Warwick RI 02889 36.26 $51,000.00 2 $89,750.00
5338421 Lu Ann Dyer 1860 Marjorie Drive Yuba City CA 95993- 36.53 $74,800.00 2 $106,000.00
5338520 John Chapman 114 Branchwood Slidell LA 70458 39.55 $75,000.00 2 $87,000.00
5338769 Kintauai Ntoya 9120 Oneida Avenue Sun Valley CA 91352- 40.01 $91,250.00 2 $140,000.00
5339056 Herman Rincon 4460 S W 153 Place Miami FL 33185- 49.47 $85,000.00 2 $116,204.00
5339262 Richard L. Hobbs 1309 Fairfield Drive Cochran GA 31014 34.27 $108,000.00 2 $99,234.00
5339304 Thomas Larrabee, Sr. 4160 Carrico Court Winnemucca NV 89445- 39.46 $33,800.00 2 $104,677.00
5339601 Steven Geer 82 Highview Drive Spencerport NY 14559 34.52 $41,000.00 2 $86,000.00
5383682 Nicholas Dereta 5463 Odom Court Port Saint FL 34983 42.92 $25,000.00 2 $101,879.00
Lucie
5383757 Lilia Acosta 13617 Custer Street Yucaipa CA 92399 39.50 $25,000.00 2 $83,901.00
5383799 Darrell Spires 129 Weeping Willow Road Winter Haven FL 33880 33.22 $30,000.00 2 $68,850.00
5383914 Charlcie Roy 1325 West 6th Avenue Mesa AZ 85202 38.36 $52,000.00 2 $84,000.00
5384011 Rosemary Urena 160 Slutyer Avenue Kentwood MI 49548 44.79 $40,000.00 2 $118,750.00
5384102 David Coker 99 Burnside Court Frederick MD 21702- 46.87 $39,900.00 2 $201,229.00
5384110 Jamison R. Mcgibney 362 N. Pearl Street Clayton NJ 08312 22.99 $30,000.00 2 $67,000.00
5384243 Shen Ni 618 South Ynez Avenue Monterey Park CA 91754 36.52 $50,000.00 2 $198,570.00
5384268 Thomas Hankins 6412 West Farrand Road Clio MI 48420 49.09 $45,700.00 2 $149,000.00
5384276 Michael E. Webb 14469 Upper Cumberland Bardwell OH 45154 42.51 $52,000.00 2 $79,388.00
Rd.
5384318 Elizabeth C. Fleming 5764 Deborah Drive North OH 44039 30.84 $52,500.00 2 $107,820.00
Ridgeville
5384425 John L. Shifer 14026 Leadwell Street Van Nuys CA 91408 35.77 $20,000.00 2 $196,947.00
5384490 Steven Poeschl 1405 Jennifer Street Ripon CA 95366- 50.43 $34,000.00 2 $113,568.00
5384565 Charles Vesper 26900 SE Regia Drive Sheridan OR 97378 35.24 $36,500.00 2 $171,542.00
5384573 Christian Williams 7490 Palomar Avenue Yucca Valley CA 92284- 49.90 $35,000.00 2 $108,625.00
5384623 Anthony Salazar 8521 Langholm Road El Cajon CA 92021 49.99 $125,000.00 2 $117,929.00
5384631 Anthony Aikens 223 Pine Level Road Americus GA 31709 36.04 $18,600.00 2 $98,603.00
5384649 Scott Shoemaker 311 Sugar Creek Drive Plant City FL 33567 35.21 $30,000.00 2 $81,758.00
5384748 Kerry Morgan 2158 Russet Meadow Ln Birmingham AL 35244 27.53 $29,000.00 2 $133,033.00
5384763 Christina Meza 320 West Olive Street Inglewood CA 90301 48.47 $64,500.00 2 $147,019.00
5384813 Peter Fletcher 74 Vernon Center Vernon CT 06066 35.05 $33,100.00 2 $98,000.00
Heights Rockville
5384888 Paul A. Mattas 861 North Lake Claire Oviedo FL 32765 45.86 $40,100.00 2 $124,000.00
Circle
5384896 Jean Ratelle 2 Banyan Foothill Ranch CA 92610 53.14 $80,000.00 2 $204,688.00
5384946 Rhodia Thomas 3620 North 2ND ST Harrisburg PA 17110 48.78 $37,500.00 2 $73,151.00
5384961 James Rutter 2930 E McAndrews RD Medford OR 97504 49.85 $25,000.00 2 $101,000.00
5384987 Kenneth D. Collins 101 South Bauer Street Knox IN 46534 42.20 $37,500.00 2 $46,686.00
5384995 Gloria Breckenridge 83 Paako Drive Sandia Park NM 87047 47.08 $125,000.00 2 $247,642.00
5385026 Pierre Banda 3204 Awn Court Upper Marlboro MD 20772 46.59 $28,300.00 2 $194,000.00
5385034 Scott Timmons 776-778 Behrman Gretna LA 70056 39.04 $26,700.00 2 $92,576.00
Highway
5385141 Donald Beadle 41985 Via Renate Temecula CA 92591 48.80 $85,000.00 2 $128,800.00
5385174 Martha Garcia 13123 Pinney Street Pacoima CA 91331 36.27 $37,800.00 2 $109,033.00
5385182 Dale Carroll 2007 A Belmont Lane #A Redondo Beach CA 90278 51.45 $60,000.00 2 $420,000.00
5385190 John Lewis 18357 North 88th Drive Peoria AZ 85382 29.20 $26,400.00 2 $85,855.00
5385208 Kimberly Berry 605 Gardiol Avenue Valdese NC 28655 47.37 $29,800.00 2 $102,000.00
5385216 Mihail Petikaris 13072 Well House Court Germantown MD 20874 52.34 $66,000.00 2 $112,500.00
5385232 David Edens 1659 East Calaveras Altadena CA 91001 44.90 $107,200.00 2 $350,000.00
Street
5385497 Margie Liptak 13836 Barnard Avenue Hudson FL 34667 38.62 $63,200.00 2 $78,675.00
5385570 John Northrup, Sr. 294 Hunters Ridge Road Winchester VA 22602 49.00 $110,000.00 2 $248,471.00
5385638 Dennis Aldrich 4125 West Monterrey Battlefield MO 65619 33.28 $43,000.00 2 $67,175.00
5385661 Anthony Fusco 8 Weantinock Drive New Milford CT 06776 51.19 $40,000.00 2 $201,586.00
5385679 Pedro Cardenas 9233 Laurel Avenue Whittier CA 90605 49.80 $63,000.00 2 $134,320.00
5385703 Janice M. Merkle 14584 Holt Ave. Unit C Tustin CA 92780 45.97 $56,200.00 2 $149,199.00
5415963 Deborah Wisell 906 NW Sassafras Terr. Jensen Beach FL 34957 46.23 $45,000.00 2 $141,000.00
5416086 Angela Wyatt 100 Woodstone Drive Athens GA 30605 46.59 $30,000.00 2 $72,922.00
Unit 20
5416094 Patrick Kling 254 East Second Street Hummelstown PA 17036 43.78 $71,000.00 2 $71,731.00
5416136 Scott Deadrick 10701 58th Street N.E. Albertville MN 55301 45.04 $26,500.00 2 $118,160.00
5416193 William W. Ward 14 Edgefield Drive Silver Creek GA 30173 38.17 $15,000.00 2 $87,000.00
5416219 Richard Burwash 283 Pete Beck Road Quilcene WA 98376 43.28 $55,000.00 2 $117,301.00
5416326 Michael Kulka 3612 Hunter Royal Oak MI 48073 26.81 $37,000.00 2 $149,000.00
5416375 Gary Hummel 10271 East Muskrat Road Carson City MI 48811 46.33 $30,500.00 2 $111,300.00
5416383 Robert Henry, Jr. 611 West Bond Street Marion SC 29571 34.77 $18,000.00 2 $42,500.00
5416458 Allan Harden 208 Kincade Drive Simpsonville SC 29681 47.29 $125,000.00 2 $112,551.00
5416466 John Hartness 1223 Club Walk Drive Atlanta GA 30319 46.48 $150,000.00 2 $176,505.00
5416482 Lazaro A. Maseda 2700 Northwest 55th St. Tamarac FL 33309 44.13 $36,000.00 2 $75,492.00
5416490 Gerald Keating 5713 Rumac Street S.E. Olympia WA 98503 56.58 $31,600.00 2 $124,000.00
5416540 Juliana Evans 5205 El Camino Drive Colorado CO 80918 38.48 $35,481.00 2 $116,143.00
Spring
5416607 Gary Fultz 204 5th Street Ludington MI 49431 49.52 $33,700.00 2 $69,000.00
5416631 Theresa Maldonado 13462 Eldridge Place NW Silverdale WA 98383 47.10 $40,000.00 2 $135,000.00
5416698 Einard Koski 1100 Copper Verde Lane Modesto CA 95355 37.62 $64,500.00 2 $164,722.00
5416748 Lisa Alley 3622 Quial Hollow Drive Hephzibah GA 30815 31.03 $45,000.00 2 $62,655.00
5416763 Jared Love 227 Golden Rod Lane Madison AL 35758 36.02 $37,000.00 2 $68,479.00
5416789 Bobby Mosley 3321 N.W. 173rd Terr. Miami FL 33056 45.70 $66,200.00 2 $67,485.00
5416797 David Hanzal 7049 Jackson Drive San Diego CA 92119 49.71 $41,500.00 2 $206,000.00
5416839 William Erb 121 Sentinel Court Simpsonville SC 29681 36.04 $61,600.00 2 $122,344.00
5416862 Howard Maffucci 168 Caversham Woods Pittsford NY 14534 43.89 $85,000.00 2 $261,000.00
5416888 Geraldine Morrow 9932 Fieldstone Drive Hagerstown MD 21740 45.69 $53,200.00 2 $232,750.00
5416912 Melvin Kimble 181 McCumber Drive Allenhurst GA 31301 35.41 $32,900.00 2 $73,229.00
5416961 Bryce Lockwood 8975 East Evergreen Strafford MO 65757 47.84 $91,000.00 2 $192,000.00
5416979 Michael Rock 921 Jane Street Blackshear GA 31516 48.75 $18,800.00 2 $101,543.00
5417001 Istvan Dusa 9145 West Paradise Lane Peoria AZ 85382 44.58 $58,600.00 2 $94,309.00
5417050 Rafael DeLeon 507 South Simco Avenue Wapato WA 98951 37.46 $45,000.00 2 $77,363.00
5417068 Jay Buterbaugh, 25 RIDGE DRIVE NEW CASTLE DE 19720 49.71 $45,000.00 2 $90,028.00
5417118 John Poupore 10021 61st Avenue East Puyallup WA 98373 40.89 $62,600.00 2 $157,801.00
5417167 Richard Brown 207 North Poke Street Cabot AR 72023 49.95 $83,000.00 2 $65,529.00
5417209 James Hodges 884 Forest Park Road Daleville AL 36322 40.19 $44,000.00 2 $27,000.00
5417225 Christopher 1127 East Del Mar Pasadena CA 91106 38.36 $60,800.00 2 $92,000.00
Fontanella Blvd. #133
5417233 Frank Meyer, Jr. 1970 N.W.107 Ave. Pembroke Pines FL 33026 45.18 $32,000.00 2 $147,496.00
5417241 Robert West 1319 Amesbury Avenue Liberty MO 64068 52.04 $82,000.00 2 $153,000.00
5417258 Steven Wolverton 432 East Cross Street Baltimore MD 21230 50.93 $85,000.00 2 $150,843.00
5417266 Terence Phillips 39 Highland Trail Denville NJ 07834 27.30 $21,500.00 2 $170,000.00
5417324 Melissa Kuta 8670 East Windsong Dr. Anaheim CA 92808 46.92 $150,000.00 2 $302,536.00
5417365 Connie Payton 8702 Camille Drive Huntsville AL 35802 37.56 $25,000.00 2 $82,572.00
5417381 Thomas McGovern 4 Westmoor Place Binghamton NY 13905 48.16 $83,800.00 2 $60,168.00
5417407 Barbara Holzworth 232 Jim Nash Court Lilburn GA 30247 36.01 $75,000.00 2 $116,993.00
5417431 Larry Morgan 29655 Isle Avenue Northfield MN 55057 49.38 $85,000.00 2 $136,640.00
5417480 Alicia Griffin 1415 Marble Quarry Road Talladega AL 35160 30.66 $40,000.00 2 $70,000.00
5417498 Holly Snider 17 Goslin Loop Cascade ID 83611 45.98 $35,000.00 2 $68,000.00
5417548 John Petroni 421-3 Kittridge Canyon Elko NV 89801 42.02 $45,600.00 2 $92,442.00
5417555 Ken Lesondak 20567 Gaylord Street Redford MI 48240 42.40 $23,700.00 2 $81,000.00
5417605 John Tinaro 16 B Storm Dr Holtsville NY 11742 42.92 $28,000.00 2 $76,000.00
5417688 Laurinda Erickson 720 Meyer Lane Unit Redondo Beach CA 90278 49.02 $30,000.00 2 $163,623.00
#208
5417712 Gary Johnson 39660 RAMSHORN DRIVE MURRIETA CA 92563 49.86 $53,000.00 2 $185,312.00
5417803 Eric DeCarlo 48 Collation Circle North RI 2852 42.39 $43,000.00 2 $90,177.00
Kingstown
5417837 Robert Huffman 3421 East Zolin Avenue Pahrump NV 89048 49.52 $65,000.00 2 $118,500.00
5417894 Napoleon Thantu 217 Arden Drive Idaho Falls ID 83402 43.72 $55,000.00 2 $173,850.00
5417985 Kerry Zack 8601 Jennifer Court Laurel MD 20723 48.06 $85,000.00 2 $127,522.00
5418009 James Drake 5407 Stone Ridge Dr. Midland MI 48640 43.28 $61,000.00 2 $295,000.00
5418017 Richard McGinnis 21 David Road Millville DE 19970 47.08 $50,000.00 2 $83,884.00
5418140 Bob Phillips 1176 Early Lane Graceville FL 32440 37.30 $33,000.00 2 $47,000.00
5418199 Kevin Hart 6702 Steeplechase Dr. Huntsville AL 35806 39.48 $23,000.00 2 $79,918.00
5418215 Belkys Rodriguez 1801 S W 141 Avenue Miami FL 33175 32.91 $75,600.00 2 $144,202.00
5418306 Carol Hendricksen 65 North Myrtle Street Fellsmere FL 32948 27.92 $32,700.00 2 $83,269.00
5418330 Bradley Wilhelm 349 Mills Garden Road Statesville NC 28677 48.11 $22,000.00 2 $143,923.00
5418348 Beverly Gillespie 448 Lake Street Auburn ME 04210 45.60 $34,300.00 2 $85,000.00
5418389 Marty King 7605 Vance Drive Arvada CO 80003 41.84 $102,000.00 2 $118,000.00
5418405 Felix Fernandez 8601 Winnipesaukee Way Lake Worth FL 33467 42.73 $57,200.00 2 $130,816.00
5418447 Donald Hays 89 Pasto Rico Rancho Santa CA 92688 45.48 $38,000.00 2 $156,900.00
Margarita
5418496 Lance Bolling 420 Hobart DR Haddonfield NJ 08033 47.03 $52,000.00 2 $147,250.00
5418520 Ronald Roan 2549 Marshall Avenue Sanford FL 32773 43.11 $40,200.00 2 $55,178.00
5418538 Robert Reinhardt 10443 Napoli Place NW Albuquerque NM 87114 40.54 $24,100.00 2 $144,000.00
5418546 Ricky Willard 332 Jasmine Drive Locust Grove GA 30248 46.16 $59,000.00 2 $114,329.00
5418645 Milan Tesic 1605 W. 145th St. #5 Gardena CA 90247 32.42 $30,500.00 2 $104,553.00
5418686 Rene De Villiers 7580 Eaton Street Hollywood FL 33024 37.28 $36,100.00 2 $81,274.00
5418728 Linda Knetsch 166 Meadow Ridge Tallahassee FL 32312 50.24 $45,000.00 2 $182,987.00
5418769 Andrew Adamson 29824 Camino Delores Sun City CA 92586 24.79 $26,500.00 2 $170,275.00
5418793 Stanley Kuhn 42919 Beau Ville Court Lancaster CA 93536 38.14 $33,200.00 2 $132,598.00
5418819 Robert Nation 18301 1st Ave. Court S. Spanaway WA 98387 38.35 $75,000.00 2 $68,224.00
5418843 Christopher Whitegon 54120 Barneston Lane Anza CA 92539 42.11 $20,000.00 2 $108,384.00
5418850 John Buxton 1244 Caminito Septimo Cardiff CA 92007 47.73 $60,000.00 2 $120,586.00
5418900 James Vasiliou, Jr. 5003 Saunders Lockport NY 14094 19.04 $43,300.00 2 $104,000.00
Settlement Rd.
5418942 John Bianco 2029 Airport Road Ottawa IL 61350 45.51 $56,000.00 2 $122,757.00
5418967 Rick Gregory 23636 Big Sky Walk Los Angeles CA 91354 44.81 $15,000.00 2 $165,762.00
#138 138 County
5418983 Gregory Anderson 1473 Sutherland Drive Riverside CA 92507 40.39 $35,000.00 2 $139,382.00
5419007 Shane Caylor 157 Church Street Indiana PA 15701 31.55 $37,000.00 2 $64,649.00
5419072 Devin Reiss 22475 H Street Santa CA 93453 48.41 $75,100.00 2 $155,353.00
Margarita
5419148 Sean M. Stephenson Route 22 Box 2056 Lake City FL 32055 42.46 $27,300.00 2 $89,938.00
5419155 Stephen Calvert 262 Frederick Street #2 San Francisco CA 94117 48.94 $125,000.00 2 $170,000.00
5419197 Fernando Gonalez 1746 Glenpark Street Pomona CA 91768 31.67 $37,000.00 2 $121,509.00
5419239 Brian Demasi 620 Exeter Avenue La Habra CA 90631 47.23 $37,800.00 2 $159,015.00
5419320 Cinda Burton 1502 SE 16th Avenue Ocala FL 34471 28.67 $44,000.00 2 $106,400.00
5419379 Samuel Beasley 607 Carlton Drive Augusta GA 30909 42.84 $40,000.00 2 $100,000.00
5419429 Jesse Arnold 327 Adams St Oconto WI 54153 42.78 $36,000.00 2 $64,000.00
5419544 Ronald J. Quick 4258 Boise Court Palmdale CA 93552 43.19 $35,800.00 2 $109,000.00
5419551 Michael L. Whitacre 5177 William Street Rd. Decatur IL 62521 34.24 $15,000.00 2 $49,517.00
5419593 Nicholas Jessen 130 Mariner St. Apt. 1 Buffalo NY 14201 37.51 $15,900.00 2 $124,650.00
5419601 Richard M. Noonan 509 North Jefferson St. Cloverdale CA 95425 52.43 $75,100.00 2 $117,298.00
5419619 Raymond Duval 1648 Marshfield Court Salinas CA 93906 47.07 $55,000.00 2 $201,249.00
5419635 Glen Pettigrew 4967 Jaquima Dr. Angels Camp CA 95222 33.63 $37,000.00 2 $178,597.00
5419676 Christopher Doos 8027 North Sixth Street Fresno CA 93720 49.18 $57,000.00 2 $129,200.00
5419684 Douglas Unverferth 11743 N Summerchase Reston VA 22094 49.53 $47,200.00 2 $86,564.00
Cir. A
5419767 Louis Anderson 139 Lily Maumelle AR 72113 35.08 $75,000.00 2 $149,909.00
5419858 Antonio Vega 15212 Golden Sands St. Lake Elsinore CA 92530 34.97 $55,000.00 2 $124,681.97
5419874 Victor Gonzalez 870 Hyde Avenue Pomona CA 91767 49.16 $43,100.00 2 $107,699.00
5419924 James Oleary 222 William St. E. 306 Glastonbury CT 06033 49.87 $76,000.00 2 $35,000.00
5420419 David Dressler 2240 North Legion Signal Hill CA 90806 46.56 $80,000.00 2 $114,761.00
Drive #212
5420468 Bob Rodrigo 3304 Redbud Lane Palmdale CA 93551 33.28 $120,500.00 2 $136,856.00
5420542 Lance Geer 3305 Choctaw Drive Edmond OK 73013 27.18 $100,000.00 2 $73,200.00
5420559 Robert Starr 1 King Kove Lane Hampton VA 23669 49.29 $45,000.00 2 $158,283.00
5420708 Donald E. Bauer Jr. 16012 Laconia Court Woodridge VA 22191 36.54 $21,000.00 2 $166,087.00
5420724 William Clarke 305 SW 7th Street Hallandale FL 33009 44.65 $25,200.00 2 $92,000.00
5420765 Shane Casey 108 Oliver Drive Enterprise AL 36330 47.67 $61,500.00 2 $62,898.00
5420773 Leo Thompson 3404 Blue Ridge Road Raleigh NC 27612 48.13 $55,000.00 2 $141,276.00
5420781 Souliyadeth Khongkham 23400 EVENING SNOW MORENO VALLEY CA 92557 49.52 $115,000.00 2 $128,165.00
5420815 Donald Lane 32534 Mission Trail Lake Elsinore CA 92532 35.64 $42,000.00 2 $43,682.00
5429097 Miguel Serate 1581 Castleton Avenue Staten Island NY 10301 47.97 $85,000.00 2 $163,954.00
5429188 Dharmesh Dubey 9087 StarPass Drive Jacksonville FL 32256 46.82 $64,000.00 2 $211,600.00
5429212 Stephen Moore 675 Haynes Road Altoona AL 35952 46.43 $25,000.00 2 $65,600.00
5429238 Dennis Carter 2530 Woods Edge Circle Orlando FL 32817 29.04 $15,000.00 2 $95,500.00
5429253 John Stabler 6525 Mount Adelbert Dr. San Diego CA 92111 50.63 $136,200.00 2 $155,515.00
5429337 Jeffery T. Henderson 6621 Bianca Avenue Van Nuys CA 91406 40.05 $61,300.00 2 $197,500.00
5429436 Rod Thornton 24667 State Route 7 S. Crown City OH 45623 34.55 $27,500.00 2 $78,379.00
5429444 Patricia Sabins 700 Sunlake Drive Lakeside OR 97449 40.84 $33,000.00 2 $86,032.00
5429477 Martin Coleman 620 West Orchard Avenue Grand Junction CO 81505 39.69 $32,500.00 2 $110,300.00
5429527 James Genero Jr. 730 N. Water St Paulding OH 45879 28.54 $25,500.00 2 $44,000.00
5429709 Phillip A. Bautch 2737 Paxton Avenue Palmdale CA 93551 39.50 $22,000.00 2 $182,478.00
5429717 Frank Hernandez 1021 West 31st Place Chicago IL 60608 42.30 $22,500.00 2 $156,000.00
5429774 Toni Ann Daniels 2 Sunny Court Somerset NJ 8873 50.01 $125,000.00 2 $248,000.00
5429824 Carol Kirk 118 Cambrian Way Birmingham AL 35242 51.56 $70,000.00 2 $105,625.00
5429964 Muthiah Ramamoorthy 934 Peninsula Ave. #212 San Mateo CA 94401 39.76 $115,000.00 2 $177,095.00
5430012 Lucy Liu 4425 Temple City Temple City CA 91780 31.14 $139,000.00 2 $177,752.00
Boulevard
5430061 Judy Hardcastle 5925 North Lakeshore Boise ID 83703 43.48 $27,800.00 2 $117,819.00
Drive
5430095 John Constantine 3029 Ninth Street S.W. Canton OH 44710 31.62 $31,000.00 2 $47,488.00
5430103 Julian Taylor 822 Castle Blvd Akron OH 44313 48.13 $26,400.00 2 $111,905.00
5430137 Scott Rassett 415 Plantain Terrace Peachtree City GA 30269 48.16 $35,000.00 2 $294,000.00
5430145 David Tucker 26083 Elder Avenue Moreno Valley CA 92555 27.01 $50,000.00 2 $96,500.00
5430152 Ronald Owens 10201 Country Way Sacramento CA 95827 49.68 $50,400.00 2 $87,315.00
5430160 Barry Kirkland 2529 Simpson Point Rd. Grant AL 35747 49.16 $75,000.00 2 $259,589.00
5430178 Rocco DiAntonio Jr 6306 Palmer Avenue Mays Landing NJ 8330 37.80 $25,000.00 2 $76,906.00
5430186 Ken Stancliff 408 Ribier Avenue Modesto CA 95350 41.06 $55,000.00 2 $84,187.00
5430194 ANGELA HOLDER 4697 FELLSWOOD DRIVE STONE MOUNTAIN GA 30083 48.21 $55,000.00 2 $99,205.00
5430210 Susan Davies 2329 West 239th STreet Torrance CA 90501 55.95 $150,000.00 2 $350,000.00
5430301 Jeffery Watkins 13251 Claremont Avenue VICTORVILLE CA 92392 47.01 $50,300.00 2 $92,757.00
5430327 Roy Brazeau 2 Hancock Terrace Rochester NH 38673 43.56 $21,800.00 2 $59,000.00
5430368 Ronald Hale 18105 E. Ohio Ave. 101 AURORA CO 80017 48.07 $28,000.00 2 $63,769.00
5430384 Dragutin Bijader 208 South Pine Avenue Maple Shade NJ 08052 37.28 $31,900.00 2 $87,508.00
5430434 James Vance 888 Falcon Drive Abingdon VA 24210 45.74 $39,400.00 2 $82,000.00
5430467 Jesse Dorsett 971 S. Idaho St. #18 La Habra CA 90631 36.12 $35,000.00 2 $85,000.00
5430509 Albis Mora 39532 Middleton Street Palmdale CA 93551 50.58 $86,300.00 2 $157,500.00
5430533 Kathy A. Stanze 6132 Clematis Dayton OH 45449 48.52 $41,100.00 2 $118,920.00
5430558 Frederick Bousquet II 5382 Grey Stag Court Suwanee GA 30024 32.84 $49,600.00 2 $149,413.00
5430574 Rebecca Leggett 5 West Goldfinch Court Savannah GA 31419 47.88 $23,800.00 2 $96,793.00
5430590 Freddi Siegel 23442 White Dove Drive Lake Forest CA 92630 44.20 $40,000.00 2 $195,082.00
5430608 Richard Whalen, Jr. 56 Bucks Crossing Rocky Hill CT 6067 49.91 $121,000.00 2 $189,514.00
5430640 Timothy Posch 3320 Dirr Place Parsons KS 67357 39.34 $51,500.00 2 $51,072.00
5430715 Pamela Devoe 411 Avenue I Snohomish WA 98290 47.32 $26,400.00 2 $129,419.00
5430731 Kathleen Dibble 6382 East Hill Road Munnsville NY 13409 42.89 $25,600.00 2 $36,700.00
5430749 Kenneth Frantz 1173 South Biscay St. Aurora CO 80017 27.19 $47,200.00 2 $130,018.00
5430780 Guy Barker 2410 Windridge Drive Conyers GA 30208 47.27 $85,000.00 2 $82,510.00
5430806 Mark Huard 999 Dominion Walk Dr Snellville GA 30278 33.63 $27,000.00 2 $121,544.00
5430814 Mike Wagner 9826 North 4600 West Cedar Hills UT 84062 42.09 $100,000.00 2 $199,394.00
5430863 Valerie Evans 1122 3rd Street Boone IA 50036 35.02 $42,800.00 2 $70,498.00
5430905 Michael Hammett 144 Fall Line Drive Martinez GA 30907 41.01 $29,500.00 2 $88,041.00
5430913 Thomas Mieliwocki 24012 Sandhurst Lane Harbor City CA 90710 46.88 $116,300.00 2 $202,496.00
5430921 Donald Stuller 844 102nd Avenue North Naples FL 34109 40.33 $27,300.00 2 $79,175.00
5430954 Timothy Ralston 560 Turlington Road Suffolk VA 23434 46.38 $37,500.00 2 $99,000.00
5430996 Patricia Wisman 2495 Charles Way El Cajon CA 92020 34.67 $48,000.00 2 $153,418.00
5431010 Jonathan Hill 21292 Stratford Avenue Rocky River OH 44116 48.34 $103,000.00 2 $190,705.00
5431036 Franklin Stevenson 10910 Fangio Court Bakersfield CA 93306 28.10 $37,000.00 2 $115,166.00
5431044 Michael Guardino 42 Seacliff Avenue Daly City CA 94015 50.60 $48,200.00 2 $327,750.00
5431119 Joanne Jones 27469 149th Avenue Kent WA 98042 49.31 $62,700.00 2 $112,130.00
S.E. #4
5431184 Scott Timmes 60-65 Catalpa Avenue Ridgewood NY 11385 47.46 $40,000.00 2 $201,340.00
5431226 JANE VIARENGO 27070 RANDALL CIRCLE ATHENS AL 35611 41.39 $43,000.00 2 $125,000.00
5431234 Scott Edelstein 270 Perry Creek Drive Fayetteville GA 30214 44.54 $40,800.00 2 $166,000.00
5431242 William Trott 115 Pleasant Breeze Way Kingsland GA 31548 49.56 $31,000.00 2 $77,861.00
5431325 Duaine Radtke 6860 South Threshold Homosassa FL 34446 34.30 $40,700.00 2 $34,329.00
Point
5431341 James Butler 1249 Eagle Way Virginia Beach VA 23456 48.34 $61,000.00 2 $144,121.00
5431366 Todd Thome 2010 Rheaume Road Manitowoc WI 54220 34.22 $15,000.00 2 $74,469.00
5431382 Robert McKinnon 6 Gayridge Road #104 Waterbury CT 6705 28.37 $55,000.00 2 $14,743.00
5431390 Virginia Willett 29490 SW Courtside Wilsonville OR 97070 38.59 $15,000.00 2 $91,000.00
Drive #17
5431408 Hector Moreno 5120 Locust Avenue Long Beach CA 90805 37.37 $15,000.00 2 $94,000.00
5431432 Daniel Peterson 6711 23rd Street Zephyrhills FL 33540 43.27 $44,000.00 2 $82,000.00
5431481 Jeff Hartline 6933 Hwy 136 East Trenton GA 30752 33.56 $43,000.00 2 $52,560.00
5431507 Angelo Savage 7843 Paddock Way Baltimore MD 21244 45.29 $25,000.00 2 $88,655.00
5431531 Ricardo Colton 11507 Trillium Street Mitchellville MD 20721 42.47 $101,000.00 2 $313,218.00
5431572 Mark Gray 4575 Kings Hwy. Cocoa FL 32927 43.83 $80,800.00 2 $50,356.00
5431614 David Nichols 385 Christian Woods Conyers GA 30013 47.55 $23,100.00 2 $94,378.00
Drive
5431622 Linda Clays 7706 North Mckenna Portland OR 97203 32.64 $19,300.00 2 $102,824.00
Street
5431648 Arthur Hopkins 33021 Paterno Street Temecula CA 92592 43.64 $75,000.00 2 $175,000.00
5431689 Jeffery Johnson 1114 Pine St The Dalles OR 97058 36.24 $31,500.00 2 $101,573.00
5431770 Terence Hollihan 1225 Carlton Court 102 Fort Pierce FL 34949 34.29 $27,300.00 2 $37,019.00
5431796 Michael Berg 496 Earl Drive Sierra Vista AZ 85635 37.63 $46,700.00 2 $84,762.00
5431804 Daniel Moors 3920 Southwest 4th Gainesville FL 32607 40.09 $32,700.00 2 $123,710.00
Place
5431820 Ralph Serrano 15190 Clovis Street Victorville CA 92394 46.27 $28,606.00 2 $67,583.00
5431838 Craig Jackson Smith 3221 S.W. Avalon Way Seattle WA 98126 36.03 $35,000.00 2 $132,660.00
415
5431846 Stephen Tramp 1282 Ponderosa Avenue Green Bay WI 54313 27.35 $33,300.00 2 $117,000.00
5431853 Joseph Edwards 104 South Spring Street Central SC 29630 37.92 $73,050.00 2 $63,000.00
5431929 Michael Roberts 13646 Bassett Street Valley Glen CA 91405 33.67 $51,200.00 2 $206,558.00
5431945 James Hogg 7008 Rockledge Drive Charlotte NC 28210 35.79 $42,700.00 2 $141,927.00
5431978 Andrew Kronewitter 2609 Schumacher Drive Mishawaka IN 46545 40.69 $48,000.00 2 $60,734.00
5431994 Lester Cheadle 8144 Guatay Street San Diego CA 92114 41.43 $35,000.00 2 $103,848.00
5432026 Sarah Beaufait 4251 Benchmark Trace Tallahassee FL 32311 40.88 $37,000.00 2 $81,965.00
5432042 Clark Sullivan 14903 Fox Ridge Drive Fontana CA 92336 47.05 $66,000.00 2 $147,000.00
5432059 Larry Thomas 5896 East County Road Whitestown IN 46075 21.47 $28,400.00 2 $68,323.00
550 S.
5432067 Andrew Bobb 3023 Segovia Way Carlsbad CA 92009 48.63 $101,900.00 2 $239,821.00
5432117 John Gonzales 3516 Effingham Lane Modesto CA 95357 37.33 $33,000.00 2 $164,409.00
5432133 Cheryl Sharp 255 James River Drive Newport News VA 23601 35.41 $30,000.00 2 $175,630.00
5432141 David Cason 6439 Mallardview Lane Charlotte NC 28269 36.58 $25,000.00 2 $96,000.00
#3
5432174 Linda Glasgow 1336 Oakengate Drive Stone Mountain GA 30083 38.18 $35,000.00 2 $119,196.00
5432208 Gary Cullins 914 East Virginia Santa Paula CA 93060 44.68 $55,000.00 2 $146,000.00
Terrace
5432299 Timothy Hare 357 Root Rd Brockport NY 14420 37.06 $37,800.00 2 $98,230.00
5432331 Bryan Duff 3293 Grayhouse Lane Stockton CA 95206 45.54 $70,000.00 2 $152,308.00
5432349 Pamela Reese 18704 Southeast 17th Vancouver WA 98683 48.00 $35,000.00 2 $147,000.00
Street
5432364 Sterling Winterhalter 15756 Via Nueva San Lorenzo CA 94580 28.93 $54,000.00 2 $217,003.00
5432380 Bennie Harrow 504 North Fisher Place Kennewick WA 99336 24.81 $28,200.00 2 $75,773.00
5432455 Daniel Mercado Jr 428 Beufort Court Modesto CA 95357 41.01 $61,000.00 2 $106,947.00
5432497 Earl Longlott 272 Carawan Lane Chesapeake VA 23322 36.83 $15,000.00 2 $91,080.00
5432513 Xavier Bellinger Jr. 222 North Prospectors Diamond Bar CA 91765 31.92 $53,300.00 2 $154,999.00
Road
5432521 Alfred Garcia 2925 So Fournier Street Oxnard CA 93033 43.39 $27,000.00 2 $150,143.00
5432679 Ellen Taylor- Shearer 2011 Mistral Lane Ft Walton FL 32547 49.54 $51,000.00 2 $156,800.00
Beach
5432745 Jeffrey Owata 14125 Plymouth Avenue Burnsville MN 55337 38.21 $15,000.00 2 $116,709.00
5432810 James Herrman 6432 Zircon Court Pollock Pines CA 95726 43.73 $61,300.00 2 $131,255.00
5432943 Lloyd Cook 3140 Midway Drive #A303 San Diego CA 92110 43.91 $40,000.00 2 $77,800.00
5432992 Michael Hubert 8 Guilford CT Marlton NJ 08053 40.44 $30,000.00 2 $150,000.00
5433040 James Sullivan 360 Pinewoods Avenue Troy NY 12180 36.51 $91,100.00 2 $148,000.00
5433438 Leonard Karp 26 Franklin Street #11 Tenafly NJ 07670 31.10 $30,000.00 2 $92,515.00
5438643 Steven Allen, Jr. 4601 N. 44th Street Tampa FL 33610- 40.86 $28,000.00 2 $56,877.00
5473723 Robert Brown 17816 Caddy Drive Derwood MD 20855 39.51 $35,000.00 2 $190,848.00
5473731 Donald Meola 1937 East 42nd Street Ashtabula OH 44004 51.64 $62,000.00 2 $49,000.00
5473798 James Behrmann 11582 Chubbuck Court Rancho Cordova CA 95670 40.46 $93,000.00 2 $173,933.00
5473822 Sally Carlson 3417 V Street Sacramento CA 95817 45.36 $30,000.00 2 $97,179.00
5473848 Donald Dickinson 1244 Belnor ROAD Mckinleyville CA 95519 38.40 $65,000.00 2 $112,000.00
5473855 Marc Lachance 1 RR2 Enfield ME 4493 43.87 $24,000.00 2 $66,000.00
5473913 Scott Gibson 5 Vervalen Drive Poughkeepsie NY 12603 35.00 $31,800.00 2 $184,500.00
5473939 Robin Moore 4419 Reepsville Road Vale NC 28168 35.29 $32,500.00 2 $56,940.00
5474044 Donald Mader 7060 CLAYBECK DRIVE HUBER HEIGHTS OH 45424 49.75 $63,000.00 2 $65,597.00
5474093 Terry Beck 9255 Doheny Road 2204 West Hollywood CA 90069 40.76 $150,000.00 2 $278,644.00
5474150 Erik Sims 1007 Ridge Drive Circleville OH 43113 46.81 $43,500.00 2 $146,000.00
5474200 Nathan Houser 1010 Navajo Trail Indianapolis IN 46260 35.86 $52,000.00 2 $120,000.00
South Drive
5474457 Rodoflo Ramirez 8893 Coffman Pico Road Pico Rivera CA 90660 46.48 $70,000.00 2 $157,544.00
5474473 Ricardo Alvarez 15473 SW 150th Street Miami FL 33196 43.04 $48,000.00 2 $129,125.00
5474481 Angel Negron 14540 Greenbrier Place Davie FL 33325 49.24 $45,000.00 2 $119,744.00
5474499 Randy Greenberg 6342 North Camino Los Tucson AZ 85718 39.32 $125,000.00 2 $107,856.00
Mochis
5474556 Rupert Payne 133 Seabreeze Circle Kissimmee FL 34743 39.95 $50,000.00 2 $79,000.00
5474614 Sherylann Wade 8952 Avocado Avenue Hesperia CA 92345 29.57 $85,000.00 2 $135,171.00
5474622 Clyde T. Hastings 8 Ardsley Circle Dover DE 19904 39.65 $24,000.00 2 $111,423.00
5474689 James Ariosto 52 Sunburst Road Naugatuck CT 6770 49.25 $22,100.00 2 $145,058.00
5474697 Medi Abadi 1103 Forrest AVE Bronx NY 10456 45.06 $62,200.00 2 $219,496.00
5474713 Chirs Mcbeath 19123 Southwest 96th Miami FL 33157 39.41 $40,000.00 2 $103,000.00
Avenue
5474820 Robert Murray Stocks 148 South 300 East Moab UT 84532 48.22 $71,700.00 2 $72,000.00
5474861 Alex Herrera 209 West Vernon Avenue Los Angeles CA 90037 39.55 $72,200.00 2 $277,711.00
5474937 David Harwell 2415 Loerland Lane Oak Harbor WA 98277 31.00 $32,000.00 2 $101,657.00
5474952 Mark McCracken 2465 Croll School Rd York PA 17403 47.27 $40,300.00 2 $149,370.00
5475025 Anthony Staab 4317 Gentle Knoll Dr N Jacksonville FL 32258 55.28 $80,000.00 2 $83,235.00
5475058 Brian L. Smith 510 Branchwood Drive Somerest KY 42501 38.04 $57,500.00 2 $146,779.00
5475082 Ronald Marientes 1377 Owen Drive Chula Vista CA 91911 46.48 $60,000.00 2 $230,000.00
5475090 Marcelino Lares 7012 Alabama Avenue Canoga Park CA 91303 44.90 $37,000.00 2 $135,791.00
5475116 David McKay 3801 45th Avenue N.E. Tacoma WA 98422 47.37 $75,000.00 2 $137,600.00
5475132 Mark Paulette 12707 Parkland Drive Rockville MD 20853 50.16 $64,000.00 2 $148,287.00
5475173 Donnie Johnson 7628 Daphne Avenue Orlando FL 32812 43.34 $54,000.00 2 $82,187.00
5475207 John E. Bell 7165 West Mars Drive Golden Valley AZ 86413 42.86 $30,700.00 2 $96,422.00
5475223 Sonja 30480 Rabbit Run Valley Center CA 92082 40.05 $50,000.00 2 $429,375.00
Lindberg-Tachikawa
5475280 William Shannon 370 8th Street Plainwell MI 49080 39.96 $25,000.00 2 $99,126.00
5475322 Charles Kadrlik 520 3rd Avenue West Shakopee MN 55379 39.50 $35,000.00 2 $85,659.00
5475330 Anthony Perez 270 East Cypress Street covina CA 91723 38.75 $42,000.00 2 $154,220.00
5475439 Peter Escalante 10325 Pinyon Avenue Los Angeles CA 91042 37.06 $49,500.00 2 $175,750.00
5475470 Irving Melanson 1040 Truckee Lane Fernley NV 89408 48.50 $80,000.00 2 $167,524.00
5475512 Harry Fleming Jr. 627 Marcy Street Ottawa IL 61350 49.47 $30,000.00 2 $100,000.00
5475520 Traci Bradley 8704 Magnum Court New Port FL 34655 49.91 $40,000.00 2 $113,525.00
Richey
5475538 William Hagan 3511 County Road 37 Muscadine AL 36269 22.93 $31,000.00 2 $36,000.00
5475587 Keyon Cambridge 942 Lenox Road Brooklyn NY 11203 42.26 $42,000.00 2 $231,000.00
5475629 David Hargrove 1557 Antoine Dr San Diego CA 92139 48.33 $50,000.00 2 $168,000.00
5475637 Raphael Poulos 3811 Pendlebury Drive Palm Harbor FL 34685 40.05 $45,000.00 2 $210,703.00
5475710 Sean McGuire 790 Bangor Street Pomona CA 91767 40.30 $61,100.00 2 $97,410.00
5475728 Steven Jakuboski 447 Old Stage Road Westfield MA 01085 43.36 $37,000.00 2 $150,406.00
5475769 Gloria Vilchez 1460 North Rose Street Burbank CA 91505 43.07 $107,000.00 2 $187,000.00
5475942 Magnito Verances 2107 Pine Hurst Lane Hawthorne CA 90250 46.48 $20,000.00 2 $179,654.00
5476015 Ana Tobar 6561 4th Avenue Los Angeles CA 90043 41.79 $37,800.00 2 $132,091.00
5476155 Benjamin Lim 4500 West Avenue 42 Los Angeles CA 90065 43.71 $139,400.00 2 $170,454.00
5476163 Gary Hecker 4012 Rosemont DR Landenberg PA 19350 44.30 $110,000.00 2 $290,506.00
5476171 Arnold Cortez 3021 East Menlo Street Mesa AZ 85213 49.86 $138,000.00 2 $188,000.00
5476221 James Shipuleski 2240 Raywood Avenue N Port FL 34287 39.84 $30,000.00 2 $85,000.00
5476395 Stacy Cook 1265 SE 21st Street Okeechobee FL 34974 47.79 $50,000.00 2 $158,000.00
5476437 Richard Jordan Route #1 Hwy 110-13785 Fitzpatrick AL 36029 49.37 $63,200.00 2 $110,492.00
PO N
5476452 James Redmond 1852 Hickory Hill Drive Columbus OH 43228 31.99 $45,000.00 2 $108,690.00
5476528 Jenetta Doty 6455 Meadow Vista CT Cincinnati OH 45224 41.51 $44,000.00 2 $131,125.00
5476577 Robert Salamone 7 Farragut Square Howell NJ 07731 35.33 $15,000.00 2 $118,750.00
5476635 Neil Wallner 4221 Cushman Road Rockford IL 61114- 46.99 $27,700.00 2 $117,700.00
5476643 James E. Keiper 1024 Chesterfield Chesapeake VA 23320 49.78 $39,900.00 2 $120,200.00
Terrance
5476700 Bernard Johnson 11000 South West 160 Miami FL 33157 32.51 $44,000.00 2 $96,000.00
Street
5476775 A J Palmer 1603 Carruthers Street Tallahassee FL 32308 33.08 $25,000.00 2 $76,000.00
5476791 Eric Lehtinen 2462 South Drexel Mesa AZ 85212 31.93 $60,000.00 2 $227,000.00
5476858 Kenneth Pugh 746 Forest Path Stone Mountain GA 30088 49.51 $54,000.00 2 $81,600.00
5476916 Brian Cornwell 4011 East Anderson Phoenix AZ 85032 43.67 $39,500.00 2 $119,200.00
Drive
5476924 Curtis Liem 23445 Camden Court Yorba Linda CA 92887 33.55 $40,000.00 2 $149,756.00
5476965 Turley Hayes 2333 Southwest Indian Topeka KS 66614 31.58 $17,000.00 2 $47,947.00
Trail
5476973 Mary June Willett 112 South Stratford Athens GA 30605 53.06 $80,000.00 2 $111,273.00
Drive
5477005 Loimatafia Carlos- 1023 Ingerson San Francisco CA 94124 36.43 $56,000.00 2 $110,067.00
Valentino
5477096 William Van Norman 56672 Duarte Street Yucca Valley CA 92284 39.30 $35,000.00 2 $123,742.00
5477138 Cherie G. Krauss 106 Whiteoak Ridge Lane Blythewood SC 29016 49.79 $50,000.00 2 $232,000.00
5477161 Robert M. Page 56 Brookside Drive Cranston RI 02910 37.81 $28,000.00 2 $95,440.00
5477187 John Hall 1610 South 14th Street Las Vegas NV 89104 47.15 $41,700.00 2 $89,972.00
5477203 Douglas Fowler 320 West Broadway Plymouth OH 44865 32.10 $25,000.00 2 $119,000.00
5477211 David Hedrick 874 Polo Place Auburn Hills MI 48326 48.45 $125,000.00 2 $168,025.00
5477294 David Dallaportas 7166 Haverling St Bath NY 14810 41.78 $74,000.00 2 $111,000.00
5477419 Scott Satek 4378 Beechwood Bay City MI 48706 40.78 $23,400.00 2 $72,000.00
5477450 Richard Blanc 7 TURKEY ROOST RD Sandy Hook CT 06482 43.00 $85,000.00 2 $220,123.00
5477484 Terrance Aurre 6 Penbroke Rd WashingtonvilleNY 10992 52.09 $55,000.00 2 $163,000.00
5477518 Young Sil Kim 19426 Valley Way Reseda CA 91335 44.83 $52,800.00 2 $114,035.00
5477575 Paul Webre 70226 7th Street Covington LA 70433 48.62 $37,250.00 2 $86,550.00
5477633 Lee Frazier 250 Del Mesa Court Oceanside CA 92054- 39.47 $25,400.00 2 $175,633.00
5477682 Rosendo Valentin 917 Tuscanny St Brandon FL 33511 39.27 $35,000.00 2 $175,000.00
5477765 Trevor King 840 N Colony Grand Island NY 14072 41.11 $31,400.00 2 $126,309.00
5477864 Richard A. Hicks 950 Solano Street Corona CA 92882 50.77 $70,000.00 2 $113,000.00
5477922 Audra Gardner 2441 West Main Street El Centro CA 92243 37.81 $30,000.00 2 $108,873.00
5477971 Elizabeth Kreidler Rd #1 Box 25 Penn Run PA 15765 25.33 $15,000.00 2 $58,110.00
5478052 Donna Cook 401 Westwood Avenue Adamsville AL 35005 40.40 $50,000.00 2 $70,913.00
5478094 Robert Ryan 1104 Sunrise Thermopolis WY 82443 35.19 $49,000.00 2 $67,000.00
5478169 Leo Harmon 1707 Grand Highlands Plainfield IL 60544 43.10 $52,900.00 2 $212,600.00
Drive
5478243 Sherman Rogers 338 Chestnut Street Compton IL 61318 34.82 $45,000.00 2 $45,746.00
5478334 Perry Charles 3594 Highway 213 Mansfield GA 30255 49.31 $29,400.00 2 $48,301.00
Lunsford
5478359 Thomas Russell 4829 Hinsdale Street Virginia Beach VA 23462 39.67 $77,000.00 2 $77,435.00
5478367 Richard Makanani 9764 Cornwall Crossing Las Vegas NV 89147 49.96 $66,100.00 2 $189,046.00
Court
5478409 Edward Villa 4085 Dave's Way San Diego CA 92154 42.07 $23,800.00 2 $140,118.00
5478425 Larry W. Danley 177 Route 1 County Grove Hill AL 36451 45.88 $56,400.00 2 $116,000.00
Road 29
5478433 David Lowe 14430 Pine Valley Drive Lathrop CA 95330 29.12 $38,800.00 2 $136,085.00
5478458 Michael Prisco 171 Harding Street New Britain CT 6052 48.81 $39,000.00 2 $98,061.00
5478482 Michael Wright 15176 Eric Kyle Drive Huntersville NC 28078 45.53 $25,000.00 2 $139,800.00
5478540 LeAnne Wiseman 1401 Cross Path Drive Alabaster AL 35007 47.14 $43,000.00 2 $102,492.00
5478573 Johann Kim 1186 Walnut Grove Rosemead CA 91770 50.45 $47,000.00 2 $143,781.00
Avenue #B
5478581 Paula Laws 2310 Columbine Court Post Falls ID 83854 38.69 $18,600.00 2 $80,911.00
5478672 Dennis Eckie 2712 Denian Court Kennasaw GA 30152 33.62 $48,700.00 2 $145,184.00
5478722 Robert Sarrels 5002 Guy Street Paragould AR 72450 33.65 $39,000.00 2 $49,056.00
5478763 Paul Brayfield 3820 East Carlyle Court Marietta GA 30062 39.32 $54,600.00 2 $156,911.00
5478789 Bryan Edwards 5 Crabapple Lane Foley AL 36535 32.23 $89,000.00 2 $93,000.00
5478805 John Cross 510 Buttonwood Street Palmyra PA 17078 44.24 $42,500.00 2 $143,000.00
5478920 Denise Knudson 431 Western Avenue SE Albany OR 97321 44.98 $64,200.00 2 $135,077.00
5478938 Steven O'Neil 3775 Avenue A White City OR 97503 49.02 $72,000.00 2 $73,709.00
5478946 David Holz 2895 Camellia Court Corona CA 91720 38.52 $35,000.00 2 $249,282.00
5478953 Daniel Montanagh 3031 Mallard Ridge Road Madison GA 30650 35.30 $51,000.00 2 $100,000.00
5478995 Terry Gambill 2106 Plum Street DeRidder LA 70634 31.40 $33,500.00 2 $44,405.00
5479001 George Velasquez 26 Ptarmigan Drive Shrewsbury MA 1545 43.14 $50,700.00 2 $171,799.00
5479050 Christopher Stupart 13715 SE 255 Place Kent WA 98042 39.77 $107,600.00 2 $195,412.00
5479068 Stan Taylor 10840 Debra Avenue Los Angeles CA 91344 34.83 $125,000.00 2 $165,000.00
5479076 Dacri L. Fleming 2756 Amber Road Hemet CA 92545 38.54 $27,700.00 2 $98,044.00
5479084 Bryon M. Brookshier 12635 Main Street #310 Garden Grove CA 92840 21.24 $31,500.00 2 $80,438.00
5479092 George Brownsell III 5 Uncas RD Eagle Bay NY 13331 44.74 $85,000.00 2 $93,417.00
5479118 Ralph Martin 131 Norwood Circle Learned MS 39154 40.73 $15,500.00 2 $98,274.00
5479159 Ronald Eiken 1105 Heatherton Drive Naperville IL 60563 31.89 $85,000.00 2 $409,950.00
5479175 James F. Griffeth 20635 Lowry Drive Fairhope AL 36532 52.87 $35,000.00 2 $153,729.00
5479209 Loren Nordin 4420 Queensway Drive Jacksonville FL 32257 38.17 $25,600.00 2 $75,395.00
5479225 Robert Giles 525 Greenbriar Blvd Altamonte FL 32714 25.71 $36,800.00 2 $104,370.00
Springs
5479282 Moses Tavares MIULANA PLACE HONOKAA HI 96727 43.30 $68,400.00 2 $124,000.00
5479316 Miguel Real 17390 Summer Oak Place Yorba Linda CA 92886 52.36 $85,000.00 2 $330,000.00
5479332 Mario Troncarelli 79 Hyde Court Bedminster NJ 7921 40.70 $52,000.00 2 $39,713.00
5479373 Joe De La Garza 5419 - 5421 Carlin Los Angeles CA 90016 50.24 $30,000.00 2 $232,750.00
Street
5479415 Leon Konin 9039 Sligo Creek Silver Spring MD 20901 44.20 $70,000.00 2 $74,348.00
Parkway 614
5479464 Linda Myrick 2441 River Road Ellenwood GA 30294 42.68 $71,000.00 2 $71,182.00
5479506 Maria Manalili 3960 Southpointe Drive Orlando FL 32822 40.16 $15,000.00 2 $64,785.00
520
5479670 Brandon Luehman 341 West State Street Mauston WI 53948 48.76 $30,000.00 2 $63,177.00
5479795 Cathy Bennett 27 Judd Avenue Bethel CT 6801 49.82 $15,000.00 2 $149,203.00
5479811 James Price 3563 Mustang DR Ontario CA 91761 35.26 $64,000.00 2 $204,348.00
5479993 Fred Funk 19411 SE 264th Street Kent WA 98042 48.57 $33,000.00 2 $132,000.00
5480157 Paul Weinstein 5 Walker Terrace Vernon CT 06066 39.28 $35,600.00 2 $151,775.00
5480165 Albert Letourneau 7355 Windom Lane Sorrento LA 70778 49.62 $66,200.00 2 $76,087.00
5480306 Jeffrey Ericson 2516 Hughes Avenue Claymont DE 19703 28.82 $32,000.00 2 $136,000.00
5480470 Bryan Maus 4725 Aster Avenue McKinleyville CA 95519- 45.75 $55,000.00 2 $197,863.00
5480587 Nancy Edwards 25158 Mooresville Road Elkmont AL 35620 41.31 $15,000.00 2 $84,743.00
5480876 Kevin S. Hogan 1701 Victoria Lane Anniston AL 36201 38.36 $51,900.00 2 $63,923.00
5480884 Robert Sparks 135 Copeland Ferry Cordova AL 35550 37.62 $36,500.00 2 $115,662.00
5480926 Joseph Long 1883 Green Forest Drive North Augusta SC 29841 38.88 $91,000.00 2 $133,900.00
5480934 Robert Zeigler 36.5 Hatcher Pass Road Willow AK 99688- 48.81 $23,000.00 2 $97,244.00
5481007 James Winstead 3301 65th Street West Bradenton FL 34209- 48.45 $50,000.00 2 $80,350.00
5481163 Carl R. Buckner 8439 TOMOKA RUN LAKELAND FL 33810 46.75 $65,000.00 2 $91,942.00
5481171 Joseph Draheim 2039 Southeast Milwaukie OR 97222 47.45 $72,000.00 2 $124,756.00
Bluebird Street
5481627 Denice Hertel 6164 Lawrence Road Everson WA 98247- 46.75 $75,000.00 2 $90,606.00
5481759 Robert Jackson 640 Hirst Street Bronson FL 32621 50.79 $85,000.00 2 $80,000.00
5481858 Christopher Borkert 10 Kansas Road Lehigh Acres FL 33936 43.00 $40,000.00 2 $85,062.00
5481866 Michael Mangan 520 Sioux Street Simla CO 80835 29.85 $32,500.00 2 $63,773.00
5481940 Donna Harrington 615 Pearl Street Neosho MO 64850 33.55 $30,400.00 2 $46,484.00
5481965 Timothy Simmons 5818 Tarragon Drive West Palm FL 33415 38.47 $35,000.00 2 $74,214.00
Beach
5481999 Robert Ginter III 7541 Stoney Creek Drive Highland CA 92346 38.44 $26,000.00 2 $113,479.00
5482062 John Hanford 81 SE Alpine Avenue Shelton WA 98584 45.41 $57,000.00 2 $63,098.00
5482088 Gregory Vernon 45 Kilgore Lane Pell City AL 35125 49.12 $90,000.00 2 $84,855.00
5482096 Teddy Wade 4165 Old Waltertown Waycross GA 31503 35.74 $35,000.00 2 $85,000.00
Road
5482187 William Beck 104 Stevenage Court Longwood FL 32779 49.82 $34,000.00 2 $122,000.00
5482294 Steven Beasley 1659 Coyote AV Norfolk VA 23518 45.72 $45,700.00 2 $123,000.00
5482435 Francis Wysocki 55 Overlook Road Meriden CT 06450 45.43 $75,000.00 2 $115,136.00
5482443 Ralph Gipson 3037 Dupree Drive Huntsville AL 35801 50.09 $56,100.00 2 $121,480.00
5482450 Marty Rivero 14177 Farralon Court Fontana CA 92336 46.26 $64,000.00 2 $137,416.00
5482484 Nicole Ford 9908 Wood Wren Court Fairfax VA 22032 31.57 $30,000.00 2 $122,000.00
5482559 Brian Roberts 46 Blue Bird Ln Ormond Beach FL 32174 37.93 $36,600.00 2 $87,617.00
5482617 Mark Mckee 13512 East Gibbs Road Mica WA 99023 48.77 $85,000.00 2 $207,951.00
5482666 Richard Almond 112 Augusta Avenue Benton LA 71006- 38.86 $45,000.00 2 $146,996.00
5482674 William Byrd 4802 Colony Drive Acworth GA 30102 18.32 $33,300.00 1 $0.00
5482682 Roy Neal 1019 NW Lawnridge Grants Pass OR 97526 41.42 $52,800.00 2 $74,630.00
5482708 Robert Yoder 64913 East County Road Byers CO 80103 42.41 $63,100.00 2 $185,478.00
42
5482724 Julia Knox 2808 Southwest Corbeth Troutdale OR 97060 40.07 $90,000.00 2 $149,115.00
Lane
5482765 Gregory Hutcheson 1013 Rainbow Avenue Pensacola FL 32505 33.35 $32,200.00 2 $68,889.00
5482898 Bonnie Miller 117 Long View Drive Wilmington DE 19711 47.17 $47,400.00 2 $103,753.00
5482906 Joseph Martel II 529 Charwila Lane Enumclaw WA 98022 45.77 $62,200.00 2 $144,025.00
5482914 Laurence Miller 579 Road 22 Dix NE 69133- 40.97 $100,400.00 2 $12,439.00
5483011 Maria Reyes 19 Toole Drive Branford CT 6405 46.23 $67,000.00 2 $114,968.00
5483045 June Childers 111 Shadow Lake Drive Conyers GA 30013 43.60 $30,000.00 2 $138,139.00
5483086 Daniel Knight 708 West Twinberry Lancaster CA 93534 31.39 $17,400.00 2 $78,000.00
Lane
5483185 Reed Winkle 3015 Quiet Lane Eugene OR 97404 43.86 $32,500.00 2 $98,982.00
5483227 Doyle McBride 504 Lake Drive Ocala FL 34472 37.26 $85,000.00 2 $161,000.00
5483243 Richard Storey 21 Heartwood Drive Cataula GA 31804 50.03 $54,600.00 2 $240,000.00
5483268 Jeffrey Wuerker 1559 Carrawat Court colorado CO 80907 47.52 $30,000.00 2 $168,000.00
springs
5483276 Todd Oliver 601 North Kerth Avenue Evansville IN 47711 33.22 $48,800.00 2 $52,268.00
5483292 Paul Taylor 4176 Cat Tail Court Austell GA 30106 43.07 $18,900.00 2 $133,154.00
5483300 Erik Bjorkner 2086 Willow Oak Dr Mobile AL 36695 37.54 $51,400.00 2 $121,620.00
5483318 Maurice Weir 8 Green Acres Drive Latham NY 12110 45.11 $27,500.00 2 $114,332.00
5483326 Jorge Salt 8614 South West 148 Miami FL 33193 39.88 $33,800.00 2 $81,540.00
Place
5483383 Jay LaPointe 6 King Fisher Court Middletown DE 19709 42.51 $92,000.00 2 $182,273.00
5483417 Rhonda Peterson 402 Pocahontas Street Williamsburg VA 23185 47.24 $21,500.00 2 $45,000.00
5483433 Edwin Esther 350 Silverthorn Drive Marietta GA 30064 49.58 $36,500.00 2 $130,376.00
5483458 Randy Minor 2299 County Road 33 Calera AL 35040 38.71 $20,000.00 2 $101,027.00
5483474 Kimberly Fair'Hadley 1377 Riverside Drive Thompson CT 6255 32.38 $22,000.00 2 $71,304.00
5483508 James Combs 3730 Cedar Lake Drive Conyers GA 30013- 42.02 $28,500.00 2 $93,698.00
5483540 Steven Stratos 9318 Hidden Water Riverview FL 33569 49.53 $51,500.00 2 $111,820.00
Circle
5483615 Joseph Wiatrak Jr. 145 Ne 9th Madras OR 97741 47.98 $36,300.00 2 $73,382.00
5483623 Charles Brewer 414 Berkshire Drive Ridgeland MS 39157 41.38 $82,000.00 2 $211,000.00
5483698 Daniel Franklin 1407 Wilshire Street Springdale AR 72764 33.67 $61,000.00 2 $66,305.00
5483813 James McDonald 6014 Cowin Drive Huntsville AL 35810 50.00 $55,000.00 2 $75,087.00
Northwest
5483862 Victor Merritt 2007 El Sereno Avenue Pasadena CA 91103 40.76 $121,700.00 2 $180,000.00
5483920 Vincent Le 4680 Via Loma Linda Yorba Linda CA 92886 49.01 $93,400.00 2 $177,533.00
5483961 Desiree Wallace 26148 Workman Place Loma Linda CA 92354 47.65 $34,000.00 2 $135,506.00
5483979 Terese Bullis 688 Route 3-A Bow NH 03304 26.56 $33,000.00 2 $91,412.00
5483987 Michael Rodgers 36515 Highway 31 Stapleton AL 36578 27.34 $23,300.00 2 $82,461.00
5484068 Paula Battles 170 Briargate Lane Madison AL 35758- 38.04 $16,600.00 2 $64,833.00
5484084 William Cotton 3453 Columbia Parkway Decatur GA 30034 45.70 $35,000.00 2 $122,803.00
5484134 Matthew Naumann 1629 Commanchee Circle Lincolnton GA 30817- 33.22 $56,000.00 2 $104,428.00
5484142 Deborah Fligor 3407 South Jackie Visalia CA 93277 48.63 $60,250.00 2 $149,397.00
Street
5484183 Karen Lord 1410 Oakford Court Brandon FL 33511 29.91 $25,000.00 2 $102,863.00
5484191 Yancey Jones 1183 North West 78th Plantation FL 33322 49.49 $27,700.00 2 $93,852.00
Way
5484233 Bruce Kelsey 1707 Beaverbrook Road Rockingham NC 28379 17.40 $49,500.00 2 $63,244.00
5484266 John Zent 3017 Tallowood Drive Marietta GA 30064 46.59 $70,300.00 2 $114,068.00
5484282 Linh Pham 8401 West Hazard Westminster CA 92683 49.02 $81,250.00 2 $141,600.00
Avenue
5484290 Wayne Hittell 4441 Oakmont Circle Fayetteville NC 28311 40.48 $75,800.00 2 $75,900.00
5484357 Marcus Onni 967 Lily CT Morganville NJ 7751 39.58 $31,000.00 2 $161,500.00
5484373 Jeffrey Stark 2508 SW Maxfield Road Topeka KS 66614 44.13 $61,400.00 2 $92,815.00
5484472 Gene Ruybalid 1145 CEDAR AVENUE Naturita CO 81422 49.22 $38,500.00 2 $86,000.00
5484514 James Kates 20 Hamlin Court Middletown CT 06457 36.56 $40,000.00 2 $53,844.00
5484530 Bryan Deitz 105 Draper Street Warner Robins GA 31088 35.36 $39,700.00 2 $65,976.00
5484597 Carolee Forssell 5427 CITRUS AVENUE Whittier CA 90601 44.22 $59,200.00 2 $190,606.00
5484613 Geraldine Wilson 3200 Madison Avenue Bridgeport CT 06606- 46.93 $33,100.00 2 $64,625.00
Unit A55
5484621 Angela Spence 4802 Vesper Circle Palmyra NJ 08065 46.26 $85,000.00 2 $91,130.00
5484670 Jose Garcia 14403 Greenstone Avenue Norwalk CA 90650 46.90 $15,000.00 2 $164,558.00
5484688 Richard Kern 4501 Nicolet Avenue Stevens Point WI 54481- 34.51 $85,000.00 2 $142,000.00
5484738 Marc Levy 10556 Wright Avenue Klamath Falls OR 97603 37.77 $44,200.00 2 $47,822.00
5484753 Michael Moran 2829 Northeast 33rd Fort FL 33306 49.64 $25,000.00 2 $89,053.00
Ct. #302 Lauderdale
5484787 Michele Diller 2798 Bethlehem Circle Broomfield CO 80020 32.15 $30,100.00 2 $194,837.00
5484845 Jeffrey Alley 7500 Wright Way Drive Lawson MO 64062 25.36 $150,000.00 2 $113,594.00
5484860 Thomas Gawronski 10359 Lacy Street Spring Hill FL 34608 49.89 $85,000.00 2 $85,150.00
5484878 Richard Smith 157 Imogene Street Prattville AL 36067 43.33 $37,000.00 2 $70,954.00
5484944 Michael Singleton 16248 Killearn Lane Brooksville FL 34610 44.13 $21,900.00 2 $56,862.00
5484969 Gary Vasile 16 Cedar Street Hartwell GA 30643 33.26 $28,000.00 2 $51,200.00
5485008 Warren Davis 10479 Klamath River Fountain CA 92708 26.49 $40,700.00 2 $354,970.00
Circle Valley
5485016 Betty Myrdahl 12476 Killian Street Brooksville FL 34609 36.80 $34,500.00 2 $45,000.00
5485099 Jonathan Ford 4886 Marshall Drive Omaha NE 68137 35.37 $59,000.00 2 $66,185.00
5485107 Mark Hachey 2402 Manorwood Drive SE Puyallup WA 98374 29.50 $77,000.00 2 $184,000.00
5485123 Hannelore Funk 73 W Altgeld Glendale IL 60139- 25.78 $18,400.00 2 $113,318.00
Heights
5485156 Kenneth Harris 15030 El Centro Hesperia CA 92345 31.93 $30,500.00 2 $72,236.00
5485172 Alan Stevenson 3850 West Hazard Santa Ana CA 92703 43.94 $23,000.00 2 $110,608.00
Avenue #D
5485206 Richard Wieting 1590 Indian Hill AV Hanover Park IL 60103 49.75 $85,000.00 2 $106,373.00
5485230 Michael Caron 7661 Le Berthon Street Tujunga CA 91042 27.23 $45,000.00 2 $142,477.00
5485248 David Kelly 123 Sage Road Wasilla AK 99654 52.55 $75,000.00 2 $189,150.00
5485271 David Westin 2436 Jade Drive Lawrenceville GA 30044 32.01 $32,000.00 2 $85,687.00
5485339 William Parsons 13101 Glenwood Place Gulfport MS 39503- 37.31 $27,000.00 2 $103,896.00
5485347 Carol Cassidy 26 Marina Cove Dr Niceville FL 32578- 39.30 $63,000.00 2 $98,505.00
5485404 Teresa Wilson 3808 Summer Leigh Court Loganville GA 30052 48.89 $38,700.00 2 $91,401.00
5485412 Michael Demsky 15540 Sherman Way #16 Los Angeles CA 91406 40.24 $55,000.00 2 $63,010.00
5485495 Malcolm Peacock 513 Kennedy Road Gardendale AL 35071 26.35 $41,000.00 2 $119,137.00
5485537 Carl Barnes 849 BAYBERRY LOOP Clewiston FL 33440- 45.62 $78,500.00 2 $93,585.00
5485552 Lyle Friend 3430 I ST NE K 102 Auburn WA 98002- 38.32 $24,900.00 2 $34,805.00
5485602 Emmett Wells 125 Upland Drive Vista CA 92084 31.09 $50,000.00 2 $210,000.00
5485628 Kevin Schulz 13551 CROSLEY Redford MI 48239 28.77 $22,300.00 2 $106,871.00
5485644 Robin Thomas 1221 Rumson Drive Birmingham AL 35226 38.66 $90,000.00 2 $163,230.00
5485677 John Rippeto 2010 East Harding Long Beach CA 90806 39.95 $45,000.00 2 $187,500.00
Street
5485685 Carolyn Whisonant 9 Ashford Circle Birmingham AL 35244- 31.67 $33,000.00 2 $107,000.00
5485727 Alma Randolph 3001 Stirrup Loop Owensboro KY 42303 40.37 $31,000.00 2 $84,727.00
5485750 Stanley Struhs 8501 Belmar Avenue Northridge CA 91324 43.63 $78,900.00 2 $176,000.00
5485792 Melissa Barr 104 1st way West Palm FL 33407 36.68 $31,900.00 2 $54,304.00
Beach
5485826 Bill Wasowicz 1363 Bay Avenue 6 Homer AK 99603 39.07 $42,200.00 2 $73,677.00
5485842 Roy Lavack 1709 York Court Fort Pierce FL 34982- 43.31 $41,900.00 2 $53,610.00
5485941 David Poush 3446 South Pecos Way Las Vegas NV 89121 30.09 $62,000.00 2 $70,863.00
5486030 James Moore 8712 Northeast 109th Vancouver WA 98662- 44.14 $23,000.00 2 $125,900.00
Court
5486055 Maurice Sherffius 3120 Browning Street Lincoln NE 68516 41.59 $84,700.00 2 $214,500.00
5486071 Frank Gaskin 3174 Bel Air Drive Las Vegas NV 89109 19.70 $84,900.00 2 $248,522.00
5486188 Casey Trujillo 408 410A & 410B S. Santa Ana CA 92701 49.13 $70,000.00 2 $207,986.00
Orange A
5486212 George Goodwin 6435 Heatherwood Drive Riverside CA 92509 32.29 $35,000.00 2 $99,392.00
5486253 Gregory Wallpe 2325 Hinton Road Dacula GA 30019 50.61 $75,000.00 2 $81,861.00
5486295 Tyron Howse 32 Will Rogers Avenue Edgewood NM 87015 38.95 $31,500.00 2 $67,000.00
5486311 Edward Bueno 549 Racquet Club Rd. 29 Weston FL 33326 45.62 $35,000.00 2 $105,814.00
5486352 Samuel LaVergne 229 North Poplar St. Charlotte NC 28202 44.25 $32,100.00 2 $122,866.00
#18
5486360 Richard McIntyre 116 Sharidan Avenue Muscle Shoals AL 35661 35.56 $29,400.00 2 $63,074.00
5486386 Cecelia Dodd 25960 Hwy 195 Double Springs AL 35553 39.63 $21,750.00 2 $51,649.00
5486402 Arthur Herrera 15801 Cedarwood Place Victorville CA 92392 38.07 $16,000.00 2 $79,618.00
5486428 Hasi Mundoe 523 Parlin Street Philadelphia PA 19116 48.09 $52,000.00 2 $87,180.00
5486451 Darin Moynihan 7402 Ida Street Lemon Grove CA 91945 38.20 $28,700.00 2 $155,601.38
5486485 Jimmy Yelvington 8 Sandy Lake Circle Ormond Beach FL 32174 27.25 $32,700.00 2 $82,900.00
5486493 Robin Passe 518 12th Street East Wabasha MN 55981 44.66 $69,600.00 2 $111,520.00
5486519 Jason Smith 1845 Timothy Lane Lancaster PA 17602 43.15 $63,300.00 2 $183,871.00
5486543 M. Therese Swan 6931 Langmuir Lane Dublin CA 94568 41.47 $85,000.00 2 $142,250.00
5486576 Stephen Castle 1408 Old Mill Court Independence MO 64056 45.38 $42,000.00 2 $37,291.00
5486584 Jerry Henrie 810 East Shannon Road Kaysville UT 84037 31.57 $85,000.00 2 $133,000.00
5486592 George Frank 7302 South Miller Littleton CO 80127 26.68 $113,700.00 2 $131,008.00
Street
5486667 Harold Winkles 3914 Birkemeier Drive Florissant MO 63034 31.94 $30,400.00 2 $103,776.00
5486675 Amanda Feliciano 4033 Wilbur Drive Columbus GA 31909 45.53 $65,000.00 2 $102,443.00
5486733 Leonard Sanders 1567 South Sylmar Fresno CA 93727 33.26 $72,000.00 2 $98,000.00
Avenue
5486741 Henry Fricker 27334 Englewood Street Moreno Valley CA 92555 47.54 $73,000.00 2 $158,454.00
5486865 Patrick Taylor 3142 White Canyon Way Antelope CA 95843 29.68 $60,000.00 2 $147,875.00
5486873 Triston Matthews 694 Central Avenue Saint Paul MN 55104 45.50 $58,500.00 2 $79,149.00
5486923 Kristen Boano 31992 Camino Molnar Temecula CA 92592 45.84 $36,800.00 2 $191,914.00
5486972 James Bauer 674 Spinnaker Fort FL 33326 34.86 $106,000.00 2 $204,715.00
Lauderdale
5486998 Ronald Richardson 3122 Clover Hills Elko NV 89801 45.73 $30,000.00 2 $120,600.00
Circle
5487020 Joseph Sittineri 3 Benche Court Cape May Ct NJ 8210 50.08 $45,000.00 2 $81,911.00
House
5487038 Donald Parker 3921 Johnstown Drive Montgomery AL 36109 27.60 $60,000.00 2 $80,889.00
5487053 Barbara Kuykendall 119 Racquet Club Drive Compton CA 90220 32.43 $35,000.00 2 $101,452.00
5487061 Robert Lisi 984 Camino Del Sol Chula Vista CA 91910 34.89 $40,000.00 2 $201,369.00
5487103 Nino Pavan 2043 Dorothy Street West Covina CA 91792 48.73 $62,000.00 2 $225,000.00
5487160 Anthony Aguilera 275 Mountain View Road Elgin OK 73538 41.67 $23,100.00 2 $99,188.00
5487178 Loretta McCormick 2211 Tipperary Court Orlando FL 32812 48.22 $35,800.00 2 $83,743.00
5487186 Steven Mammen 514 W Verness ST Covina CA 91723 49.61 $25,000.00 2 $189,632.00
5487251 Jeffrey Taylor 23129 Pamplico Drive Valencia CA 91354 46.61 $21,800.00 2 $157,998.00
5487269 Alloysius Ramnarine 9632 EAST 28TH STREET TULSA OK 74129 38.56 $36,700.00 2 $83,873.00
5487327 Bryan Walde 9010 Jergens Court San Diego CA 92126 49.71 $90,000.00 2 $190,600.00
5487335 Daryl Withrow 26 VILLAGE ROAD SPRINGFIELD MA 1129 49.16 $45,000.00 2 $95,505.00
5487418 John Levis 35 Macintosh Drive Oxford CT 6478 49.52 $125,000.00 2 $157,685.00
5487426 Mike Rosa 1481 Columbia Avenue tulare CA 93274 49.29 $54,600.00 2 $87,773.00
5487442 Russell Wright 1620 Park Avenue Lansing MI 48910 27.75 $18,000.00 2 $67,418.00
5487467 David Combs 1228 Halifax Court Tallahassee FL 32308 38.53 $25,500.00 2 $87,854.00
5487483 Thomas Mcrorie 2155 Amorosa Glen Escondido CA 92026 51.95 $150,000.00 2 $186,203.00
5487517 Linda Brimm 423 Glen Avenue Moorsetown NJ 8057 42.59 $48,000.00 2 $117,328.00
5487558 Terry Vineyard 12256 C street Trona CA 93592 34.09 $30,000.00 1 $0.00
5487582 Brian Hutt 1427 Ellen Lane Apopka FL 32712 36.86 $20,000.00 2 $64,527.00
5487590 Van Fortier 2325 Primio Way Sparks NV 89434 52.93 $81,900.00 2 $166,067.00
5487665 Carrie DeLacey 2330 9th Street Bremerton WA 98312 43.02 $42,000.00 2 $84,000.00
5487715 Ellen Halverson 2343 Dale Street Eugene OR 97401 49.86 $69,500.00 2 $172,000.00
5487731 Andrew Santos 844 Harbor Boulevard La Habra CA 90631 43.63 $42,700.00 2 $134,885.00
5487749 Lyndon Parsons 31637 Willow View Place Lake Elsinore CA 92532 48.08 $24,400.00 2 $108,315.00
5487764 Charles Grady 6705 Duck Landing Court Suffolk VA 23435 35.04 $42,400.00 2 $102,328.00
5487780 Troy Fletcher 34 Bridle Lane Aliso Viejo CA 92656 40.46 $59,500.00 2 $128,000.00
5487806 Unnar Lawson 1261 Grand Cayman Drive Merritt Island FL 32952 26.84 $75,300.00 2 $147,522.00
5487871 Guillermo Rosario 10 Shelley Road Poughkeepsie NY 12603 51.02 $116,000.00 2 $128,000.00
5487988 Justin Maddox 8985 Haviland Road Las Vegas NV 89123 41.65 $34,000.00 2 $143,995.00
5487996 James M. Purucker 262 North Danielson Way Chandler AZ 85225 47.20 $45,000.00 2 $174,593.00
5488127 Paul Betts, Jr. 484 Belle Vista Drive Chula Vista CA 91910 39.80 $101,700.00 2 $142,069.00
#208
5488200 Jay Halsema 1264 Eutaw Place Jacksonville FL 32207 42.54 $31,000.00 2 $105,000.00
5488259 Linda D. Tanner 16520 NW 22nd Street Pembroke Pines FL 33028 43.28 $48,000.00 2 $112,800.00
5488267 Sonja Allen 29-166 Kulaiwi Road Hakalau HI 96710 48.52 $81,500.00 2 $135,128.00
5522016 Esaias Pettit 22718 South Figueroa Carson CA 90745 40.65 $35,000.00 2 $75,000.00
5522024 Lisa Warner 5 Allen Court Manalapan NJ 7726 39.12 $50,000.00 2 $197,125.00
5522040 Jason Roepel 4500 Richard Drive Los Angeles CA 90032 37.15 $30,000.00 2 $147,925.00
5522123 Thomas Blanchard 5408 Angus Drive Virginia Beach VA 23464 50.48 $24,000.00 2 $150,000.00
5522271 Robert Routh 420 Sugar Maple Lane Windsor CA 95492 49.50 $60,700.00 2 $213,106.00
5522388 James Hug 201 Hounds Chase Yorktown VA 23693 44.78 $85,000.00 2 $127,000.00
5522446 Barbara Butler 2879 West Roland Place Denver CO 80219 42.90 $70,000.00 2 $84,110.00
5522461 Pedro Ramos 133-12 Linden Boulevard South Ozone NY 11420 41.82 $40,000.00 2 $191,317.00
Park
5522610 Mitchell Smith 827 Lynnwood Avenue Renton WA 98056 28.83 $85,000.00 2 $171,705.00
N.E.
5522651 Rafael Verdejo 499 Vanderbilt Avenue Staten Island NY 10304 48.34 $39,300.00 2 $142,604.00
5522719 Gary McClimans 21 Elm Street Attica OH 44807 17.73 $32,400.00 2 $35,746.00
5522735 Susan Schlesinger 5014 Sea Drift Way San Diego CA 92154 48.08 $60,500.00 2 $354,116.00
5522800 David Beeby 4860 S. Spinnaker Drive Freeland WA 98249 38.31 $38,800.00 2 $119,000.00
5522834 John Slafkosky 1552 Happy Valley Crown Point IN 46307 46.43 $48,000.00 2 $118,970.00
Drive
5522842 Randall Arvay 12791 Dogwood Hills Fairfax VA 22033 35.31 $50,000.00 2 $200,000.00
Lane
5522891 Jay Viner 15 Acorn Lane Milford CT 06460 44.58 $65,000.00 2 $210,402.00
5522917 Eric Hunter 348 COCO COURT Kissimmee FL 34758 33.43 $28,500.00 2 $93,630.00
5522925 Daniel Mari 7822 Berkshire Dr Hanover Park IL 60103 33.58 $44,500.00 2 $115,128.00
5522966 Ramsay Pryce 1100 W Joan Of Arc Palmer AK 99645 38.95 $26,000.00 2 $152,486.00
5522982 Matthew Popovich 4036 Forest Island Orlando FL 32826 40.91 $47,000.00 2 $102,421.00
Drive
5523022 Charles Weidman 43 2nd Avenue Lehighton PA 18235 29.74 $43,500.00 2 $54,563.00
5523063 Alejandro Charles 9827 Lavonda Street Riverview FL 33569 48.94 $30,000.00 2 $198,900.00
5523097 Glenn Hacek, SR. 6258 SHERMAN DRIVE SE Aumsville OR 97325 36.96 $46,000.00 2 $146,168.00
5523121 Charlotte Saulter 2830 21ST Street 6 San Pablo CA 94806 39.55 $65,900.00 2 $74,483.00
5523139 James Dawson 140 South High Street Hebron OH 43025 42.19 $39,300.00 2 $111,150.00
5523154 Gary Wion 2824 Airons Court West CA 95691 32.12 $25,000.00 2 $182,649.00
Sacramento
5523246 Jon Jackson 18011 THEODORA DRIVE Tustin CA 92780 53.06 $82,200.00 2 $200,000.00
5523253 Philip Henson 243 GUY ST Roanoke AL 36274 28.69 $40,000.00 2 $121,600.00
5523287 Robert Bixby 3716 Blueridge Lane Fort Wayne IN 46815 48.07 $29,300.00 2 $95,245.00
5523360 Eric Anderson 12731 Rivulet Circle Anchorage AK 99516 46.56 $125,000.00 2 $300,957.00
5523394 Dana Penny 22339 Independence Woodhaven MI 48183 44.58 $20,000.00 2 $145,256.00
Steet
5523410 Christopher Connelly 5684 Highway 30 West The Dalles OR 97058 48.19 $38,100.00 2 $82,007.00
5523444 Olindo Carmosino 11863 Williams Way Northglenn CO 80233 48.36 $37,200.00 2 $111,450.00
5523451 Carri Gillenwater 1421 4100 Road Paonia CO 81428 39.16 $56,500.00 2 $30,763.00
5523477 Paul Coon 8582 Goldeneye Lane Jacksonville FL 32217 42.83 $25,200.00 2 $77,977.00
5523485 Marty Dixon 435 Cobb Road Ohatchee AL 36271 29.68 $27,900.00 2 $90,375.00
5523535 Elaine Wilkerson 202 South Keystone Enid OK 73703 31.09 $29,300.00 2 $45,272.00
Drive
5523550 Elizabeth Watterson 4665 Lakehurst Way Littleton CO 80127 46.06 $90,500.00 2 $123,572.00
5523576 Michael Martin 13663 Tara Hills Circle Gulfport MS 39503 49.87 $36,500.00 2 $150,100.00
5523626 Iduan Chandra 32 W 38th Street Bayonne NJ 7002 48.62 $85,000.00 2 $165,433.00
5523717 Mary Neal 1626 Owen Street Saginaw MI 48601 34.99 $34,100.00 2 $33,500.00
5523774 Charles Brown 4308 Whistle Lake Road Anacortes WA 98221 49.70 $70,000.00 2 $215,000.00
5523857 John Taylor 189 Brooks Drive Stockbridge GA 30281 49.14 $38,500.00 2 $150,125.00
5523865 Frank Griggs III 101 Leeford Court Irmo SC 29063 44.56 $40,600.00 2 $67,611.00
5523873 Lynda Tilton 1452 Lawrence Place Jacksonville FL 32211 32.42 $25,000.00 2 $50,873.00
5523964 Orlando Megia 5314 Harvest Gold Drive Stockton CA 95219 47.07 $40,000.00 2 $155,479.00
5524046 Leonard Mussack 2521 Primerose LN Upland CA 91784 50.86 $150,000.00 2 $335,719.00
5524079 Charles Wilson 4561 Paloma Lane Yorba Linda CA 92886 46.22 $85,300.00 2 $212,034.00
5524137 Alberto Perez 49 PAYNE RIVER CIRCLE SACRAMENTO CA 95831 43.59 $60,000.00 2 $168,410.00
5524145 Clarence Hopwood 4530 Summerset Drive Gainesville GA 30507 36.50 $50,000.00 2 $111,603.00
5524152 John Davis 1377 Silverfork Road Kyburz CA 95720 49.95 $39,500.00 2 $118,400.00
5524202 Marcia Lewis 7523 Kittiwake Drive SE Olympia WA 98513 39.06 $17,000.00 2 $116,321.00
5524210 John Michel 1873 PLANK ROAD RAEFORD NC 28376 29.46 $26,200.00 2 $74,386.00
5524228 Terence Featherstone 10 Marlboro Lane Eugene OR 97405 46.92 $25,000.00 2 $223,789.00
5524251 Billy Holcomb 26971 First Street Westlake OH 44145 49.98 $28,500.00 2 $136,000.00
5524319 Dean Nash 11 Lompoc Court County Of CA 92688 48.26 $30,300.00 2 $210,000.00
Orange
5524335 Robert Carr 9289 Island Road Bristol VA 24210 47.37 $21,500.00 2 $60,234.00
5524343 Jason Coram 729 Deming Street Grand Rapids MI 49507 30.42 $25,000.00 2 $108,799.00
5524368 Mark Waldrop 416 Amanda Way Rocky Face GA 30740 39.11 $100,000.00 2 $174,332.00
5524384 Paul Gregory 16611 Kettler Lane Huntington CA 92647 48.68 $75,000.00 2 $239,085.00
Beach
5524418 Daniel Anghel 4895 North Bridges Alpharetta GA 30022 42.15 $78,200.00 2 $91,436.00
Drive
5524483 William Morgan 53 Blueberry Circle Ellington CT 6029 33.30 $61,000.00 2 $124,598.00
5524517 James Davies 1607 East Schwartz Blvd Lady Lake FL 32159 30.87 $21,600.00 2 $52,520.00
5524566 TAMMY SISSON 22456 SMILEY COURT SANTA CLARITA CA 91350 35.74 $150,000.00 2 $198,190.00
5524590 Patricia Castellar 951-953 111 Street Biscayne Park FL 33161 47.30 $85,000.00 2 $134,554.00
5524608 Danial Pick 21313 38th Avenue Spanaway WA 98387 49.68 $51,200.00 2 $112,343.00
Court East
5524616 Anthony Saylor 1071 Country Club Drive St. Clair MI 48082 43.13 $40,000.00 2 $106,073.00
Shores
5524681 Robert Prom 1625 Ramona Avenue Spring Valley CA 91977 48.20 $85,000.00 2 $146,600.00
Area
5524707 James Whitehall 21291 Seasprite Circle Huntington CA 92646 49.60 $39,500.00 2 $195,000.00
Beach
5524715 Joseph Supinsky 14829 Back Street Midland MD 21542 38.77 $36,400.00 2 $46,800.00
5524756 Thomas Bentley 41473 Zinfandel Avenue Temecula CA 92591 44.45 $22,300.00 2 $120,643.00
5524764 Wade Greer 225 Cedar Lane Moriarty NM 87035 35.91 $38,400.00 2 $115,000.00
5524822 Pernell Dye 15554 Elm Street Basehor KS 66007 48.49 $55,000.00 2 $102,000.00
5524848 Mary Hyatt 3601 Alicia Way Chino CA 91710 31.77 $78,000.00 2 $213,354.00
5524871 Fredric Beytin 25531 Foggy Glen Drive Castro Valley CA 94552 46.33 $150,000.00 2 $230,294.00
5524939 Paul Mac Farland 217 Bishop Avenue Point Richmond CA 94801 44.94 $130,300.00 2 $311,004.00
5524962 Louise Layton 213 West Street Harrington DE 19952 21.03 $40,000.00 2 $44,709.00
5524970 Kenneth Nelson 13802 Eucalyptus Avenue Hawthorne CA 90250 41.49 $15,700.00 2 $210,949.00
5524988 John Johnson 512 Green Dr. Enterprise AL 36330 39.37 $45,700.00 2 $99,306.00
5525019 Donald Olsen 8378 Gabriel Drive Rancho CA 91730 47.74 $46,000.00 2 $96,613.00
Unit E Cucamonga
5525027 Rogelio Torres 11100 N W 24th Court Sunrise FL 33322 43.38 $55,400.00 2 $114,570.00
5525076 Danny Cannon 2023 New Berlin Road Jacksonville FL 32218 47.80 $41,000.00 2 $147,700.00
5525084 Paul Cadena 2577 Orange Glory Drive Henderson NV 89052 28.06 $35,500.00 2 $163,066.00
5525118 Lanita Robertson 320 Stonebridge New Castle DE 19720 50.44 $38,000.00 2 $89,919.00
Boulevard
5525183 Marion Backus 476 Cronin Road Virginia Beach VA 23452 43.79 $27,000.00 2 $68,000.00
5525191 Ernesto Magana 6768 Summerfield Court Chino CA 91710 43.84 $37,000.00 2 $144,019.00
5525233 Susan Macias 1216 West Sharon Road Santa Ana CA 92706 31.81 $125,000.00 2 $296,014.00
5525241 Jimmie Bleything 215 3rd Street West Point IA 52656 36.77 $27,200.00 2 $31,156.00
5525365 John Boyer 722 Walnut Street Meadville PA 16335 32.91 $26,700.00 2 $66,741.00
5525399 Wilcer Godoy 43853 Estrella Lane Lancaster CA 93535 46.47 $25,000.00 2 $72,285.00
5525431 David Basco 14249 Woodland Drive Fontana CA 92337 42.57 $36,000.00 2 $88,119.00
5525449 Duane Johnson 1107 Marline Avenue El Cajon CA 92021 44.10 $20,000.00 2 $149,765.00
5525456 Douglas Borowski 39 Shrine Avevue W. Boylston MA 01583 26.55 $22,500.00 2 $116,189.00
5525480 Wade Williams 5445 Buffalo Avenue Sherman Oaks CA 91401 47.91 $66,000.00 2 $225,095.00
5525506 Edmond Williams 24321 Via Vargas Drive Moreno Valley CA 92553 45.12 $68,300.00 2 $94,173.00
5525589 Thadeus Twardak 5021 Rangeview Avenue Los Angeles CA 90042 20.83 $23,000.00 2 $140,952.00
5525613 Clyde Johnson 7255 Golden Star Avenue Las Vegas NV 89130 39.90 $60,000.00 2 $91,366.00
5525647 Ryan Hadley 360 Shawnee Lane Superior CO 80027 47.69 $43,800.00 2 $186,174.00
5525704 Maxwell Giddens 1028 KOKANEE LANE GRANTS PASS OR 97527 41.49 $16,800.00 2 $106,885.00
5525720 Stewart Salisbury 103 Moss Hill Court peachtree city GA 30269 49.41 $40,700.00 2 $126,000.00
5525761 Garry Coble 530 Lacey Place East Wenatchee WA 98802 46.55 $51,800.00 2 $127,154.00
5525795 Randy Rogers 615 Fifth Ave Belmond IA 50421 45.01 $35,000.00 2 $115,344.00
5525803 Catherine Johnson 1052 Seco Street 206 Pasadena CA 91103 47.38 $22,500.00 2 $131,567.00
5525811 Conrado Zarzoso 14768 Tennessee Court Fontana CA 92336 43.08 $72,800.00 2 $183,078.00
5525829 Mary Hagar 10207 Bell Gardens Santee CA 92071 42.69 $59,700.00 2 $61,430.00
Drive #3
5525845 Kurt Allen 10789 Appaloosa Court Parker CO 80134 38.75 $71,000.00 2 $190,000.00
5525878 Vincent Metichecchia 11255 East Avenue R-2 Littlerock CA 93543 49.22 $28,400.00 2 $84,345.00
5525886 Billie Prince 343 East Brett Street Inglewood CA 90302 31.43 $35,000.00 2 $198,000.00
5525902 Kenny Harper 10979 Marbella Drive Rancho CA 91737 48.10 $85,000.00 2 $200,000.00
Cucamonga
5525977 Michael Neumeyer 8630 ARA PLACE San Diego CA 92126 45.19 $30,000.00 2 $212,000.00
5526033 Robert Partridge 210 Blair Shores Road Roper NC 27970 49.78 $79,700.00 2 $168,817.00
Ext.
5526082 Kelly Riddle 17883 Graystone Avenue Chino Hills CA 91709 41.78 $23,700.00 2 $117,272.00
#202
5526124 Robert Wilkinson 16 Elizabeth Street Ansonia CT 06401 45.83 $49,200.00 2 $89,063.00
5526132 Nicholas Weidhaas 10 Plumbrook Drive Easthampton MA 1027 33.03 $40,000.00 2 $123,000.00
5526140 Cindy Wallinsky 9645 Olive Street Bellflower CA 90706 38.60 $51,000.00 2 $119,818.00
5526157 Ronald Johnston 1212 PARIS AVENUE Hannibal MO 63401 30.63 $15,000.00 2 $27,889.00
5526165 Mary Brion 116 West Maple Street Glendale CA 91204 27.70 $30,000.00 2 $116,335.00
#8
5526181 Dallas Gilfoy 213 South Joaquin Coalinga CA 93210 34.37 $75,400.00 2 $86,907.00
Street
5526199 Leon Van Horn 2 Main Street Harrisonville NJ 8039 40.57 $41,900.00 2 $82,921.00
5526207 Jason Ensminger 7849 Lewis River Road Ariel WA 98603 47.81 $30,900.00 2 $169,617.00
5526231 Gary Carter 122 Veterans Avenue Plano KY 42104 42.90 $47,900.00 2 $104,725.00
5526249 Donald Jones 2209 Pentland Drive Birmingham AL 35235 29.56 $42,500.00 2 $77,935.00
5526280 Cathy Elkins 6304 BARRIE ST Dearborn MI 48126 45.90 $48,500.00 2 $106,118.00
5526306 Steven Spray 580 South Seventh Chambersburg PA 17201 22.72 $46,600.00 2 $92,756.00
Street
5526314 Joseph Collier 4985 Poplar Springs Gainesville GA 30507 32.11 $33,000.00 2 $97,038.00
Circle
5526330 Craig Lamson 1217 South Norma Ridgecrest CA 93555 24.62 $51,200.00 2 $41,350.00
5526371 Matthew Funk 712 Hollowglen Road Oceanside CA 92057 45.47 $17,600.00 2 $159,567.00
5526389 Roger Briggs 3619 Julia Avenue Bellingham WA 98226 42.85 $85,000.00 2 $227,591.00
5526397 Dawit Rikitu 521 South Woods Avenue Fullerton CA 92832 41.77 $64,500.00 2 $173,350.00
5526413 Lawrence Swanson 10920 Chantilly Court Santee CA 92071 42.57 $22,300.00 2 $178,063.00
5526454 Paul Guinto 32221 Camino Guardo Temecula CA 92592 49.66 $139,000.00 2 $178,605.00
5526504 Robert Martinez 35235 La Flora Drive Yucaipa CA 92399 27.52 $24,000.00 2 $70,770.00
5526512 Lynn Abu El Haj 25702 Dracaea Avenue Moreno Valley CA 92553 48.18 $57,000.00 2 $118,570.00
5526538 Charles Zeller 13101 Sunnybrook Garden Grove CA 92844 49.99 $40,000.00 2 $121,000.00
Circle 104
5526579 Daniel Hartman 1500 W. 42nd Anchorage AK 99503 43.65 $36,700.00 2 $121,600.00
5526587 Sterling Ripley 400 Kingston View Pahrump NV 89041 30.49 $70,000.00 2 $71,184.00
Avenue
5526595 Harry Streng 11100 Acama Street #19 Studio City CA 91602 49.03 $30,000.00 2 $110,539.00
5526637 John Gleissner 103 Lincoln Street Statesboro GA 30460 48.06 $55,000.00 2 $73,527.00
5526652 Troy Hayman Jr. 2284 Mountain View Washington DC 20020 45.37 $32,000.00 2 $80,000.00
Place SE
5526678 Leo Stromer 1016 Sunset Mountain RD Reno NV 89506 38.93 $46,700.00 2 $148,173.00
5526694 Greg Ayvazyan 1120 1122 West 96th Los Angeles CA 90044 46.84 $60,000.00 2 $198,365.00
Street
5526702 David Boswell 9645 West Sweetwater Agua Dulce CA 91350 49.18 $150,000.00 2 $409,500.00
Drive
5526736 William Miller 1401 Avocado Lane Medford OR 97504 36.62 $40,900.00 2 $138,860.00
5526801 Stephanie Coombs 498 South 100 West Logan UT 84321 48.56 $34,200.00 2 $84,069.00
5526819 Chris Martin 30380 Sunland Way Tehachapi CA 93561 34.28 $41,500.00 2 $133,000.00
5526843 John Weems 608 East Curtis Street Laramie WY 82051 39.60 $27,800.00 2 $76,031.00
5543475 Vernon Jones 29518 Road 156 Visalia CA 93292 47.01 $22,500.00 2 $126,000.00
5543491 David Hash 110 Kipling Lane Galax VA 24333 44.03 $50,000.00 2 $103,500.00
5543541 Christopher Kist 2503 Lee Pyle Road De Soto MO 63020 34.54 $27,000.00 2 $90,599.00
5543582 P. Childers 392 Meadowview Drive Winder GA 30680 42.17 $39,400.00 2 $64,921.00
5543616 Lucky Besecker 2802 Tenth Street Englewood FL 34224 38.94 $33,800.00 2 $58,000.00
5543640 Michael Segraves 464 West Decatur Street Decatur IL 62521 46.82 $24,000.00 2 $29,500.00
5543681 Dorri Smith 538 Fruitwood Drive Grand Junction CO 81504 36.04 $47,200.00 2 $123,053.00
5543723 Deborah Zawel 9800 Vesper Avenue #165 Panorama City CA 91402 34.21 $22,250.00 2 $79,055.00
Area
5543731 William Thomas 105 Holly Berry Road New Bern NC 28562 49.28 $33,200.00 2 $118,100.00
5543814 John Nylander 7330 Westlawn Los Angeles CA 90045 43.15 $150,000.00 2 $355,500.00
5543863 Lafayette Jones 102 Flintlock Road Williamsburg VA 23185 34.65 $39,000.00 2 $121,000.00
5543889 Richard Welsheimer 80304 South Edwards Hermiston OR 97838 33.03 $37,500.00 2 $94,684.00
Road
5543939 Stephen Rye 900 Fifth Street Charles City IA 50616 35.64 $45,000.00 2 $112,800.00
5543954 Frances Davis 3344 County Road 40 Chancellor AL 36316 47.54 $43,100.00 2 $112,674.00
5544044 Kirk Blumenshine 37175 Minke Drive Kenai AK 99611 40.86 $68,000.00 2 $175,542.00
5544184 James Woods 7905 Lake Street Monroe MI 48161 39.04 $38,000.00 2 $149,000.00
5544200 Daris Justice 41920 Royal Coachman Chiloquin OR 97624 26.88 $24,000.00 2 $57,000.00
Drive
5544283 Pamela Tansill 5711 Meadowview Road Rex GA 30273 42.16 $36,500.00 2 $101,897.00
5544291 Peter Gudz 1637 Woodlands Run Hagerstown MD 21742 47.61 $29,000.00 2 $77,000.00
5544309 SCOTT MC LAUGHLIN 515 South Ellsworth Allentown PA 18103 36.70 $31,000.00 2 $60,000.00
Street
5544333 Eric Waller 1378 Evah Lane West Linn OR 97068 36.91 $85,000.00 2 $342,000.00
5544358 Carlos Aponte 2802 Browning Street Sarasota FL 34237 48.75 $25,000.00 2 $68,161.00
5544390 William Eddy 18 Woods Edge Road Audubon PA 19403 48.03 $33,000.00 2 $136,146.00
5544416 David Conner 4822 Terrier Court Fontana CA 92336 51.18 $100,000.00 2 $178,500.00
5544473 Robert Simer 3912 West Ballard Road Spokane WA 99208 43.02 $54,500.00 2 $103,600.00
5544499 Gary Kameehonua, Jr. 95-970 Wikao Street Mililani HI 96789 36.45 $59,000.00 2 $190,482.00
#J301
5544549 Nicholas Markert 31 Parsons Road Lincoln Park NJ 07035 51.44 $42,200.00 2 $184,136.00
5544556 Lawrence Williams 7507 Hickory Trail Wonder Lake IL 60097 47.43 $26,700.00 2 $115,000.00
5544614 Thomas O'Connell 66 Belle Soleil Avenue Las Vegas NV 89123 33.07 $23,000.00 2 $114,000.00
5544689 Ricky Harrison 440 3rd Street Baker City OR 97814 28.31 $40,000.00 2 $68,000.00
5544721 Gamal Anani 1585 Virginia Avenue Palm Harbor FL 34683 45.50 $50,000.00 2 $148,691.00
5544770 Lee Fothergill 10 Jefferson Street Glens Falls NY 12804 41.12 $23,000.00 2 $127,000.00
5544788 Todd Tompkins 281 Park Street West Haven CT 6516 49.55 $50,000.00 2 $110,000.00
5544838 Charles Downs 392 South Miraleste San Pedro CA 90732 48.73 $60,000.00 2 $95,113.00
Drive #492
5544846 Vasilios Sezenias 164 Sterling Hill Road Plainfield CT 06374 50.67 $75,000.00 2 $112,500.00
5544853 Michael Beck 8685 Seminole Trail Tualatin OR 97062 40.80 $74,000.00 2 $141,039.00
5544929 Charles Jackson 6910 Cheswick Drive Riverdale GA 30296 36.76 $85,000.00 2 $110,637.00
5545082 Horst Reimann 1117 Lakeview Terrace Azusa CA 91702 42.97 $21,800.00 2 $142,000.00
5545090 Leslie Moore 202 Badger Drive Harvest AL 35749 37.80 $57,800.00 2 $175,710.00
5545181 Frederick Oberdorfer 3918 East 24th Avenue Spokane WA 99223 36.49 $22,300.00 2 $81,589.00
5545314 Kyle Joye 64860 Grande Loop Bend OR 97701 51.71 $42,500.00 2 $130,362.00
5545322 Margaret Ruby 3720 Rinner Circle Anchorage AK 99507 51.74 $40,800.00 2 $116,900.00
5545330 John England Jr 3515 Warwick Street Pascagoula MS 39581 46.47 $52,500.00 2 $53,974.00
5545413 Rodolfo Rodriguez 6119 Wunderlin Avenue San Diego CA 92114 34.79 $30,000.00 2 $121,887.00
5545496 Mark Little 16121 Sandy Lane Los Angeles CA 91436 47.02 $150,000.00 2 $599,200.00
5545504 James Patton 9196 WINTERSET DRIVE Manassas VA 22110 49.64 $25,000.00 2 $139,583.00
5545538 John Imbriano 1028 Stamford Court Corona CA 91720 50.14 $20,000.00 2 $177,332.00
5545561 John Davis 5305 Hwy 45 South Sharon TN 38255 50.00 $29,500.00 2 $64,000.00
5545579 Keith Alt 117 Apache Ln Ottawa OH 45875 36.65 $80,000.00 2 $199,500.00
5545587 Vince Cavender 1043 Redberry Drive Corona CA 91719 40.31 $57,000.00 2 $181,531.00
5545595 Mihajlo Radic 93 ORCHID COURT Dover Township NJ 08753 30.48 $47,000.00 2 $143,212.00
5545611 Ryan Bowman 105 Morningside Seneca SC 29678 47.21 $59,000.00 2 $88,500.00
Heights Drive
5545645 Robert Thomas 5169 Pine Ridge Street Norton Shores MI 49441 33.80 $28,000.00 2 $146,000.00
5545702 Kirk Warren 4270 Doubletree Court Cummings GA 30040 19.80 $31,000.00 2 $140,464.00
5545736 Thomas Gibson 1488 Avenida De La Thousand Oaks CA 91360 41.87 $85,000.00 2 $161,333.00
Arboles
5545777 S. Sherif 3544 N.W. 88 Terrace Gainesville FL 32606 24.34 $55,300.00 2 $95,729.00
5545785 Bude Fondurulia 46594 40th Avenue Isle MN 56342 48.54 $35,000.00 2 $60,035.00
5545827 Erwin Friedrich 1138 Simcoe Flint MI 48507 39.16 $45,000.00 2 $54,870.00
5545835 Cesar Cap 10257 Laurel Canyon Pacoima CA 91331 50.50 $58,000.00 2 $162,854.00
Blvd.
5545876 James Glass Route 10 Pineville WV 24874 32.49 $21,000.00 2 $27,000.00
5545892 David Schmitt 1229 South West High Topeka KS 66604 38.28 $42,500.00 2 $23,793.00
Avenue
5545900 Bob Musgrove 1259 Silverberry DRIVE Fairbanks AK 99712 38.35 $39,800.00 2 $157,513.00
5545918 Roberta Hanscomb 63 Webb Street #5 Meriden CT 06451 43.71 $36,200.00 2 $38,643.00
5545983 Glen Henson 1302 Nickel Drive Loveland CO 80537 39.38 $30,000.00 2 $212,325.00
5546015 Braden Smith 1092 Clear Lake Avenue Battle Creek MI 49015 46.50 $84,200.00 2 $93,041.00
5546049 David Nelson 435 W Chowan Street Kill Devil NC 27948 40.64 $33,000.00 2 $84,629.00
Hills
5546163 Paul Sult, III 2734 Oxborough Drive Matthews NC 28105 51.14 $145,000.00 2 $179,000.00
5546171 Joe Snow 842 East Stratford Salt Lake City UT 84106 48.90 $20,500.00 2 $149,500.00
Avenue
5546197 Wilson Ortiz 1247 Conty Route RT6 Germantown NY 12526 47.88 $31,700.00 2 $112,828.00
5546254 Paul Henderson 2552 DALY DRIVE BIRMINGHAM AL 35235 40.88 $23,200.00 2 $86,000.00
5546296 Darrel Grover 1527 10th Street Marysville WA 98270 44.46 $61,500.00 2 $99,000.00
5546304 Bradley Couvillion 34898 St. Regis Court Denham Springs LA 70726 39.50 $27,000.00 2 $104,076.00
5546312 Alfred Hubley 103 Linden Avenue Red Lion PA 17356 41.87 $37,100.00 2 $106,284.00
5546338 Ronald Killion 8515 Sebastian Drive NE Lacey WA 98516 47.29 $58,400.00 2 $180,406.00
5546346 William Knight 104 Balentree Drive Chelsea AL 35043 48.50 $30,000.00 2 $117,000.00
5546353 Terrence Adams 141 Meadow Lily Court Mooresville NC 28115 36.17 $40,000.00 2 $103,440.00
5546460 David Cunningham 1026 SW Webster Topeka KS 66604 31.76 $58,200.00 2 $46,000.00
5546478 Russell Krauskopf 436 Lancers Drive Winter Springs FL 32708 48.78 $39,000.00 2 $93,660.00
5546502 James Zellner 1982 Windsor Road Mansfield OH 44905 28.98 $34,200.00 2 $79,719.00
5546510 James Jones 912 Musick Avenue Modesto CA 95351 50.18 $85,000.00 2 $101,129.00
5546569 Deborah Dembek 3255 Maine Avenue Long Beach CA 90806 49.93 $57,000.00 2 $144,104.00
5546650 Carol Enos 2637 Faust Court San Jose CA 95121 28.33 $48,700.00 2 $126,500.00
5546726 Alfred Variz 307 Tuve Circle Orland CA 95963 49.69 $67,500.00 2 $90,293.00
5546759 Rickie Richards 15212 North 29th Avenue Phoenix AZ 85027 29.73 $21,000.00 2 $88,000.00
5546809 Marvin McCullough 725 Beth Lane Ridgecrest CA 93555 19.94 $37,000.00 2 $58,500.00
5546817 Victor Keesey 3582 Sunflower Court Rosamond CA 93560 36.00 $39,000.00 2 $93,837.00
5546825 Glen Hildebrant 10225 Kerrigan Street Santee CA 92071 38.23 $22,000.00 2 $141,864.00
5546890 Ronnie Carlin 99 McElderry Road Munford AL 36268 38.41 $31,500.00 2 $48,720.00
5546916 Mary Dolmatoff 4545 Grand Avenue Montclair CA 91763 49.90 $33,000.00 2 $171,872.00
5546932 Armando Capili 2108 North Kenwood Burbank CA 91505 45.74 $84,800.00 2 $173,678.00
street
5546957 David Sobers 5928 Westridge Drive Baton Rouge LA 70817 43.20 $54,000.00 2 $101,000.00
5546973 Robert Wisner 1210 East Boom Avenue Orange CA 92865 48.29 $55,800.00 2 $222,799.00
5546999 Myrna Villegas 36834 James Place Palmdale CA 93550 45.04 $42,300.00 2 $98,738.00
5547013 Robert Buchanan 1128 Sutherlin Court Mobile AL 36609 49.66 $80,000.00 2 $237,247.00
North
5547054 Leon Leonard 1147 Vesper Lane Fayetteville NC 28311 45.65 $30,000.00 2 $74,339.00
5547062 Rodney Everson 3220 Strawberry Place Tracy CA 95376 44.19 $125,000.00 2 $179,334.88
5547088 Vincent Van Lieu 96 Cambridge Place Catasauqua PA 18032 38.42 $37,200.00 2 $83,484.00
5547096 Wayne Richardson 5766 Randleman Street Fayetteville NC 28304 36.80 $16,800.00 2 $63,870.00
5547138 William Wiggins 5977 Swallowfork Avenue Callahan FL 32011 36.63 $35,000.00 2 $65,000.00
5547161 Don Ozment 5872 Pinedale Road Pinedale AZ 85934 38.95 $60,000.00 2 $145,000.00
5547187 Gregory Bethune 227 East Clinton Avenue Roosevelt NY 11575 49.95 $50,000.00 2 $149,152.00
5547286 Duane Ibarra 2753 Kalialani Circle Makawao HI 96768 44.76 $27,800.00 2 $232,264.00
5547336 Evelyn Bombon 1405 Falconcrest Drive Corona CA 92883 46.30 $32,000.00 2 $174,000.00
5547369 Michael Norris 5093 Pine Hill Drive Noblesville IN 46060 36.52 $23,000.00 2 $103,749.00
5547385 Francisco Gonzalez 1135 Southampton Drive Port Orange FL 32119 37.68 $27,400.00 2 $75,794.00
5547419 Philip Fournier 43610 Ortona Street Temecula CA 92592 50.19 $39,100.00 2 $221,625.00
5547450 Stephen Hughes 8430 Ahrentzen Court Citrus Heights CA 95610 38.68 $68,000.00 2 $99,833.00
5547468 Morris Davis 3981 Welland Avenue Los Angeles CA 90008 49.47 $57,800.00 2 $180,000.00
5547492 John McCormack 4482 Bartel Drive Riverside CA 92503 35.75 $48,900.00 2 $97,849.00
5547500 Roosevelt McLemore 2220 Travis Road Augusta GA 30906 40.84 $29,000.00 2 $79,866.00
5547575 Aurora Paiva 26063 Serrano Court Lake Forest CA 92630 36.13 $32,500.00 2 $98,131.00
5547633 Frank Collica 11320 Groveland Avenue Whittier CA 90604 41.51 $50,000.00 2 $202,400.00
5547666 John Mijares 11955 Ratner Street N Hollywood CA 91605 44.05 $75,000.00 2 $129,392.00
5547682 Edward Leger 390 Brown Road Florien LA 71429 23.15 $35,000.00 2 $29,617.00
5547708 Randell Oglevee 15917 42nd Avenue East Tacoma WA 98446 34.58 $20,000.00 2 $122,386.00
5547773 Michael Savee 3141 Cloudview Drive Sacramento CA 95833 38.30 $15,700.00 2 $145,860.00
5547807 Scott Stoughton 122 River Road Saranac NY 12981 30.94 $32,000.00 2 $80,448.00
5547849 Robin Puzio 522 Casa Drive Brigantine NJ 08203 46.06 $45,000.00 2 $66,289.00
5547922 James Blade 7060 Eastbrook Drive Spring Hill FL 34606 46.75 $81,000.00 2 $33,500.00
5547930 Scott Bell 250 S Reynolds ST 1402 Alexandria VA 22304 39.79 $30,600.00 2 $57,306.00
5548011 Kristine Tavares 35 Pine Island Road N. Dartmouth MA 02747 39.71 $55,670.00 2 $135,259.00
5548037 Michael Albert Rr1 Box 8315 Litchfield ME 04350 49.12 $58,200.00 2 $88,715.00
5548086 Charlie Murphy Jr 3166 North Palmer Milwaukee WI 53212 34.99 $63,500.00 1 $0.00
Street
5548185 Hollie Koyukuk 5 Olson Drive Ruby AK 99768 33.87 $52,500.00 2 $55,926.00
5548193 David Kelly 12049 MAPLE LEAF LANE FONTANA CA 92337 35.98 $40,000.00 2 $125,400.00
5548201 Barry Lyon 1151 Duck Blind Circle Newman CA 95360 27.23 $30,000.00 2 $131,557.00
5548227 Roger Alfaro 25841 Paseo Pacifico Moreno Valley CA 92553 41.92 $65,000.00 2 $79,000.00
5548292 Brian Partlow 179 Woodbury Road City Of VT 5401 42.98 $33,000.00 2 $113,106.00
Burlingotn
5548300 John Mori 12263 West Derby Lane Orland Park IL 60462 48.29 $65,000.00 2 $165,700.00
5548334 Duane Parks 8401 Sleepy Way El Cajon CA 92021 40.97 $40,000.00 2 $150,000.00
5548375 Jimmy Simmons 305 East Smith Avenue Geneva AL 36340 24.79 $21,200.00 2 $23,192.00
5548391 Lawrence Gerber 65 North Kelley Lane Alpine WY 83128 39.77 $62,500.00 2 $151,369.00
5548425 James Leet 6390 South Pebble Chandler AZ 85249 40.98 $38,000.00 2 $105,589.00
Beach Dr.
5548441 Thomas Roxby 1060 20th Avenue Naples FL 34120 49.90 $55,000.00 2 $90,216.00
Northeast
5548466 Walter Imai 22 West Mariposa Altadena CA 91001 44.05 $27,000.00 2 $109,375.00
Street
5548490 Roderick Harrington 412 B Skyview Drive Birmingham AL 35209 49.88 $56,000.00 2 $29,741.00
5548516 Philip Losey 67700 OntinaRoad Cathedral City CA 92234 30.16 $23,000.00 2 $109,150.00
5548540 Gerard Mollica 8 Jotham Road New Milford CT 06776 33.43 $15,000.00 2 $187,000.00
5548581 John Kirwan 88 Mountain Rd. Coxsackie NY 12051 37.38 $40,000.00 2 $84,751.10
5548599 Gordon Scott 1201 West 112th AV Westminster CO 80234 37.55 $33,000.00 2 $75,000.00
Unit B
5548607 Benjamin Hall 217 West Private Road Logansport IN 46947 42.56 $84,000.00 2 $40,947.00
75N
5548615 Robert Karcher 18 Judge Lane Bethlehem CT 6751 43.95 $27,800.00 2 $126,105.00
5548649 Carla Booker 1015 New Britain Drive Atlanta GA 30331 40.84 $75,000.00 2 $206,386.00
5548664 Dave Farr 541 East 500 North Provo UT 84606 38.21 $40,000.00 2 $94,585.00
#22
5548680 James Brosnan 2307 Bedford Lane Colorado CO 80909 42.40 $30,000.00 2 $150,025.00
Springs
5548698 Martin Bleier 77 Donna Marie Circle Rochester NY 14606 41.23 $16,000.00 2 $83,043.00
5548771 Joesph Gill 9325 8th Street Rancho CA 91730 49.64 $56,200.00 2 $177,165.00
Cucamonga
5548789 PATRICK ROGERS 60 Townsend Avenue Newburgh NY 12550 35.13 $30,000.00 2 $45,000.00
5548797 Terri Gits 8849 BLACK MOUNTAIN DR Conifer CO 80433 48.68 $62,500.00 2 $131,000.00
5548813 Joseph Carzello 3 Westerly Drive Enfield CT 06082 47.13 $42,500.00 2 $111,493.00
5548821 Deborah Hauser 737 Sunseeker Drive Wilmington NC 28405 44.22 $15,000.00 2 $96,000.00
5548839 David Morton 324 Randall Drive Folsom CA 95630 43.31 $150,000.00 2 $189,289.00
5548896 Jayna Cartee 786 Wesleyan Bay #24 Costa Mesa CA 92626 46.84 $30,000.00 2 $153,480.00
5548904 Dahlia Allen 1591 Dehaven Court Lawrenceville GA 30043 46.31 $15,000.00 2 $113,000.00
5548920 Ana Lila Jimenez 292 Sunny Hills Drive Watsonville CA 95076 42.18 $41,600.00 2 $132,900.00
5548946 Michael Cohen 1715 Lauterbach Road Finksburg MD 21048 46.40 $76,000.00 2 $143,654.00
5548961 Don Burchett 139 Windy Hills Road Commerce GA 30529 49.88 $97,400.00 2 $141,049.00
5548979 Walter Jones 218 Bryan Street Talladega AL 35160 45.78 $21,000.00 2 $101,650.00
5549043 Sherani Ratnam 2240 Via Escuela Palm Springs CA 92262 44.14 $66,600.00 2 $89,486.00
5549225 Richard Doyle 14208 Summit Drive Sterling CO 80751 41.96 $62,000.00 2 $199,134.00
5549282 Leroy Mendez 24730 Tioga Road Hayward CA 94544 46.82 $34,000.00 2 $144,921.00
5549290 Stephen Hinton 1316 26TH AVENUE HUEYTOWN AL 35023 25.98 $15,000.00 2 $49,052.00
5549324 David Snider 671 Forest Shade Drive Crestline CA 92325 34.00 $20,000.00 2 $99,000.00
5549332 Mark Bohart 1610 Holly Drive Manitowoc WI 54220 35.41 $25,400.00 2 $62,333.00
5549365 Jeanette Soto 9253 Key West Street Temple City CA 91780 39.79 $71,000.00 2 $223,000.00
5549373 Richard Rodriguez 6118 Gordon Rd. Wilmington NC 28405 41.66 $33,500.00 2 $67,101.00
5549407 Barry Cross 2614 North Mason Avenue Tacoma WA 98407 28.85 $34,000.00 2 $138,471.00
5549415 David Huskey 16623 Hemmingway Drive Fort FL 33326 31.03 $31,300.00 2 $73,000.00
Lauderdale
5549431 Billy Crossno 48 Owens Drive Florence CO 81226 36.43 $35,000.00 2 $58,000.00
5549472 David Himes 43139 Corte Calanda Temecula CA 92592 49.68 $83,600.00 2 $154,729.00
5549498 Brian Klein 2412 15th Street Two Rivers WI 54241 32.46 $35,000.00 2 $60,793.00
5549514 Teresa Profitt 7351 Stonebrook Place Rancho CA 91730 44.00 $26,700.00 2 $139,740.00
Cucamonga
5549522 William Allen 212 Brubaker Drive South Point OH 45680 46.90 $17,500.00 2 $52,396.00
5549530 Timothy Sullivan 6756 Pheasant Lane Agoura Hills CA 91377 40.80 $30,000.00 2 $260,414.00
5549548 Christian Hansen 3512 Twin Falls Court Modesto CA 95355 36.61 $30,500.00 2 $137,335.00
5549555 Glen Griffith 22987 Sunrose Street Corona CA 92883 41.92 $48,500.00 2 $175,279.00
5549688 Anthony Warner 111 Bean Creek Road Scotts Valley CA 95066 47.18 $68,000.00 2 $235,000.00
#170
5549720 Andrea Shirk 62 Nancy Lane Downingtown PA 19335 39.72 $57,000.00 2 $52,950.00
5549738 Israel Herrera 9876-2 Arrow Route Rancho CA 91730 41.12 $30,000.00 2 $106,365.00
Cucamonga
5549761 John Beres 2625 North Lincoln Burbank CA 91504 48.88 $105,000.00 2 $134,217.00
Street #G
5549787 Michael Lenear-Liston 9007 PASSONS BOULEVARD DOWNEY CA 90240 44.39 $76,500.00 2 $200,244.00
5549829 Pedro Melendez 1403 Banyan Way Weston FL 33327 47.03 $35,000.00 2 $166,209.00
5549860 Michael Giaimo 25256 Steinbeck Avenue Stevenson CA 91381 40.85 $15,000.00 2 $141,236.00
#F Ranch
5549878 Todd Pleadwell 6108 Evergreen Way Ferndale WA 98248 35.06 $27,000.00 2 $177,552.50
5549902 Kenneth Sweet 41 LANE AVENUE PORTLAND ME 04103 46.79 $65,800.00 2 $89,291.00
5549936 Nelson Millner 1113 14th St NW Roanoke VA 24017 27.61 $20,500.00 2 $23,318.00
5549985 Clara Jimenez 421 South Vancouver Los Angeles CA 90022 46.58 $30,500.00 2 $146,670.00
Avenue
5550017 Gregg Ball 383 Chestnut Street Hyde Park PA 15641 26.93 $35,500.00 2 $68,000.00
5550033 Taris Maclin 5714 Blackley Lane Eagle Creek IN 46254 26.09 $40,000.00 2 $110,000.00
5550090 Erlinda Moises 411 Blanco Street American CA 94589 46.07 $65,000.00 2 $119,805.00
Canyon
5550173 Alfred Gasser 3603 Delilah Streeet Simi Valley CA 93063 48.45 $45,000.00 2 $195,020.00
5550199 Charles Reeves 5755 Happy Pines Drive Foresthill CA 95631 37.54 $16,000.00 2 $129,810.00
5550207 Arturo Gomez 11724 Declaration Rancho CA 91730 47.14 $78,000.00 2 $235,000.00
Drive Cucamonga
5550249 Alexander Bradley 11314 South Locust Jenks OK 74037 43.97 $43,700.00 2 $112,118.00
Avenue
5550264 Theodore King 2900 21st North Street Ocean Springs MS 39564 49.87 $37,200.00 2 $61,426.00
5550348 Samuel Watson 601 E. Burgess Unit Pensacola FL 32504 44.71 $35,000.00 2 $70,877.00
I-6
5550371 Marsha Lloyd 625 West 124th Street Los Angeles CA 90044 49.09 $61,300.00 2 $134,709.00
5550413 Michael Evans 1501 Dickens Place Upper Marlboro MD 20774 45.50 $63,200.00 2 $190,941.00
5550439 Clifford Schinkel 30145 Cater Road Scappoose OR 97056 28.45 $65,200.00 2 $167,836.00
5550447 Kirt Elkins 6081 Pumpkin Patch Las Vegas NV 89122 33.11 $16,500.00 2 $109,426.00
Avenue
5550520 W. Perry 6548 Barton Avenue Los Angeles CA 90038 46.92 $69,000.00 2 $108,377.00
5550553 Douglas Padley 1100 Newport Avenue 402 Long Beach CA 90804 37.71 $33,700.00 2 $99,189.00
5550561 Gordon Starr 8654 Spring Valley Boynton Beach FL 33437 41.21 $43,000.00 2 $106,800.00
Drive
5550587 Nathan De Graw 4426 North Bronson San Bernardino CA 92407 44.64 $45,000.00 2 $104,858.00
Street
5550595 Daniel Speaks 525 Clayton Street Shelbyville IN 46176 33.10 $28,000.00 2 $44,400.00
5550611 Stephen Frushon 925 Maiden Choice Lane Baltimore MD 21229 34.53 $15,000.00 2 $70,978.00
5550629 Darwin Singson 2542 Pemberton Court Stockton CA 95210 18.64 $30,000.00 2 $71,618.00
5550637 William Cole 956 West Allen Street Hendersonville NC 28739 32.47 $25,000.00 2 $62,897.00
5550645 Jennifer Tough 629 Quail Drive Los Angeles CA 90065 46.14 $28,600.00 2 $141,253.00
5550652 Gary McCorkle 8065 Drexel Court Lemon Grove CA 91945 36.32 $51,100.00 2 $124,884.00
5550660 Thom Thompson 8345 Wild Alfalfa Parker CO 80134 46.61 $70,000.00 2 $104,000.00
5550686 David Hicks 1932 Stonewood Circle Corona CA 91719 48.17 $91,000.00 2 $144,051.00
5550694 Anissia Porter 11066 Mars Lane Maryland MO 63043 35.02 $18,000.00 2 $81,400.00
Heights
5550728 John Kinney 207 N. Althea elmwood IL 61529 21.47 $32,500.00 2 $87,829.00
5550769 RUSSELL MCCLAIN 3913 DALHOUISE LANE Decatur GA 30034 29.55 $48,000.00 2 $89,401.00
5550777 Ronald Hyche 834 County Road 71 Thorsby AL 35171 35.32 $40,000.00 2 $109,996.00
5550785 William Porter 1524 Goodman Avenue Redondo Beach CA 90278 44.40 $43,000.00 2 $314,508.00
5550835 Gregory Bell 8458 Sopwith Boulevard Reno NV 89506 43.65 $15,800.00 2 $113,802.00
5550850 Vicente Montero 863 Glenshaw Drive La Puente Area CA 91744 43.70 $62,500.00 2 $131,000.00
5550868 Tony Lassos 6958 Laguna Place #A Rancho CA 91701 39.82 $24,000.00 2 $101,000.00
Cucamonga
5550876 Vito Dell'Era 4618 Mossburg Court Marietta GA 30066 31.47 $85,000.00 2 $57,435.00
5550884 Timothy Daniel 303 Wilson Street DeWitt MI 48820 34.92 $36,000.00 2 $76,145.00
5550892 Regimond Apanah 7618 Eagle Trace Cove Fort Wayne IN 46825 49.30 $44,000.00 2 $90,000.00
5551031 Rick Rollenhagen 114 Oak Park Drive Forest MS 39074 28.84 $54,500.00 2 $201,000.00
5551049 Joseph Barela 35133 Hollow Creek Yucaipa CA 92399 44.98 $60,000.00 2 $138,875.00
Drive
5551098 Matthew Wright 4253 Los Coyotes Lakewood CA 90713 34.90 $70,000.00 2 $147,000.00
Diagonal
5551122 Ryan Wark 45316 Corte Progreso Temecula CA 92592 48.61 $36,000.00 2 $149,909.00
5551254 David Weekes 99 Parum Road Colchester CT 06415 42.67 $49,000.00 2 $96,000.00
5551262 David Jantz 2910 Cheyenne Drive Woodward OK 73801 27.01 $20,000.00 2 $51,615.00
5551270 Michele Stefanelli 660 Shiloh Terrace Davie FL 33325 46.99 $50,400.00 2 $100,000.00
5551320 John Veguilla, Jr 1327 Gold Way Rohnert Park CA 94928 41.67 $61,000.00 2 $107,562.00
5551338 Diana Jacobs 28828 Latimer Street Highland CA 92346 36.87 $56,600.00 2 $144,965.00
5551353 Dana Davis 3632 Ladoga Avenue Long Beach CA 90808 28.88 $38,000.00 2 $250,800.00
5551379 Patrick Nishioka 24825 Calli El Toro Lake Forest CA 92630 40.05 $53,800.00 2 $230,000.00
Grande
5551411 Paul Norton 11003 South West Cove Vashon WA 98070 43.31 $40,100.00 2 $74,000.00
Road
5551437 Jimmy Chilcoat 411 County Road 55 Double Springs AL 35553 49.86 $57,350.00 2 $90,638.00
5551494 William DeBaugh 12403 Old Country Road Wellington FL 33414 44.77 $26,000.00 2 $138,672.00
5551510 Steven Cushing 3315 143rd Street West Rosemount MN 55068 26.28 $39,000.00 2 $128,200.00
5551544 Roger Frost 21416 Manon Way Lexington Park MD 20653 40.71 $45,900.00 2 $69,237.00
5551585 Benjamin Besel 3675 Clague Road 310 N Olmsted OH 44070 37.16 $23,800.00 2 $53,884.00
5551627 Hera Davis-Belsky 6815 Hibiscu Court Sparks NV 89436 35.79 $40,000.00 2 $145,102.00
5551668 John Webb 27 Cromwell Court Lakehurst NJ 8733 26.35 $49,700.00 2 $133,963.00
5551676 Gary Mercer 5436 Bracken Drive Indianapolis IN 46239 37.26 $37,500.00 2 $134,858.00
5551726 Kimberly Christiansen 1966 Carolyn Drive Pleasant Hill CA 94523 43.09 $109,000.00 2 $149,475.00
5551767 David Larson 5276 Rosewood Drive Oceanside CA 92056 48.91 $69,000.00 2 $123,389.00
5551783 Darren McCray 744 Chula Vista Way Suisun City CA 94585 49.18 $56,500.00 2 $188,500.00
5551791 Rodney Bell 7615 Dividend Drive Baton Rouge LA 70817 39.43 $28,500.00 2 $80,750.00
5551817 Michael Carlson 108 Ozmar Lane Crescent OR 97733 51.32 $44,800.00 2 $80,854.00
5551858 Alex Penny 20211 Gratland Drive Santa Clarita CA 91351 44.99 $45,300.00 2 $191,729.00
5551882 Warren Williams 1523 W River Shore WY Tampa FL 33603 30.61 $27,000.00 2 $71,725.00
5551908 Laura Hunsaker 2981 Gilham Road Eugene OR 97401 45.58 $43,700.00 2 $135,000.00
5551940 Karen Tailby 13890 Brudy Drive Fishers IN 46038 49.36 $30,000.00 2 $128,094.00
5552039 Charles Allen 19345 South West Aloha OR 97007 36.45 $65,000.00 2 $143,175.00
Blanton Avenue
5552047 Paul Reyes 745 East Bradley El Cajon CA 92021 40.41 $36,000.00 2 $51,570.00
Avenue #242
5552054 Donald Bailey 44 Prides Crossing Shenandoah WV 25442 32.75 $30,000.00 2 $143,669.00
Junction
5552062 Kim Chapman 1711 104th Avenue Oakland CA 94603 35.44 $62,400.00 2 $118,528.00
5552088 Richard Jellison 1 Rural Route Box 358A Perham MN 56573 46.60 $60,000.00 2 $141,981.00
5552104 Tyrone Knight 410 Empoli Drive Bear DE 19701 31.14 $37,500.00 2 $150,623.00
5552161 Calvin MILLER 1132 BELSPRING DRIVE VIRGINIA BEACH VA 23464 32.66 $21,500.00 2 $99,601.00
5552179 Robert Cartwright 1321 West 3 Mile Road Sault Sainte MI 49783 41.10 $64,600.00 2 $78,000.00
Marie
5552229 Terry Arbogast 1305 Franklin Pike Floyd VA 24091 43.23 $85,000.00 2 $135,554.00
5552237 Nancy Horvath 691 S Marengo Ave Unit Pasadena CA 91106 41.73 $44,200.00 2 $153,565.00
3
5552245 Melissa Starbuck 226 North Clinton 224 Chicago IL 60661 45.66 $38,000.00 2 $189,685.00
5552252 Melvin Allen 132 Deer Ford Drive Lancaster