HARMON LAW OFFICES, P.C.

150

CALIFORNIA STREET

NEWTON, MASSACHUSETTS 02458

TEL

(6 1 7) 558-0500

AX

(61'.7) 244-7304
Business Hours: Monday-Friday 8:00 AM-to 5:30 PM
SERYING MASSACHUSETTS, NEW HAMPSHIRE AND RHODE ISLAND
F

May 22,2015

Mr. Tim A. Bryant

5I ROGERS AVE
WEST SPRINGFIELD, MA 01089

NOTICE OF MORTGAGE FORECLOSURE SI"LE

Re:

HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, AssetBacked Certificates, Series 2005-15 / Bryant, Tim A. and Michelle M.

Pursuant to Massachusetts General Laws, Chapter 244, Section 14, as amended, enclosed is a copy of the
Notice of Mortgagee's Sale of Real Estate. Also enclosed is a Deficiency Notice.

This notice is provided to you because an examination of the record title shows that you held an interest
record in the property thirty (30) days prior to the sale.

of

If you want to reinstate or payoff the mortgage, you may order a reinstatement or payoff 24 hours a day
on-line by going to www.hloreinstatement.com or to www.hlopayoff.com, Please follow the instructions
contained on the web page. Please note that only requests made by owners, borrowers, mortgagors and
authorized parties will be processed. You may also contact us during business hours to request a
reinstatement or payoff by calling (617) 558-0598. When completing the on-line form or when calling
our office, please reference your Case Number 201202-0994, so that we may process your request more

quickly.
Our experience has shown us that you are likely to benefit if you allow qualihed bidders at the foreclosure
sale to enter and inspect the premises. This may result in a higher purchase price. If you are willing to allow
qualified bidders to enter and inspect the premises, please be present at the time of the foreclosure sale.

HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed
Certificates, Series 2005-1 5
Present holder of mortgage

By its Attorney,
Harmon Law Offices, P.C.

AFF/NRA/20 1 202-0994/Enclosure

PLEASE BB ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND

TIIAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

HARMON LAW OFFICES, P.C.

I50 CALIFORNIA STREET
NEWTON, MASSACHUSETTS 02458

TEL(617) s58-0500
FAX (617) 244-7304
Busincss Hours: Monday-Friday 8:00 AM+o 5:30 PM
SERVING MASSACHUSETTS. NEW HAMPSHIRE AND RHODE ISLAND

May 22,2015

NOTICE OF INTENTION TO FORECLOSE MORTGAGE AND OF

DEFICIENCY AFTER FORECLOSI]RE OF MORTGAGE

To:

Mr. TimA. Bryant

51 ROGERS

AVE

WEST SPRINGFIELD, MA 01089

You are hereby notified, in accordance with the statute, of the intention of HSBC Bar,k USA,
National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed Certificates, Series
2005-15, on or after J:une24,2015, to foreclose by sale under power of sale for breach of conditions, the
mortgage held by it on property situated at 80 Bradford Drive, Feeding Hills (Agawam), Massachusetts, said
mortgage dated September23,2005, and recorded with the Hampden County Registry of Deeds at Book

15365,Page 423, said mortgage given to secure a note signed by you, for the whole or part of which you
may be liable to HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15,
Asset-Backed Certificates, Series 2005-15 in case of a deficiency in the proceeds of the foreclosure sale.

No deficiency after the foreclosure sale may be pursued if you have obtained or will obtain a Chapter
7 bankruptcy discharge that covers your obligation under the note secured by the mortgage referred to above.

No efforts to collect any deficiency may be

undertaken without bankruptcy court approval while

bankruptcy proceeding is pending.

HSBC Bank USA, National Association

as Trustee

for GSAA Home Equity Trust 2005-15, Asset-Backed

Ceflificates, Series 2005-15

By its attorney,
Harmon Law Offices, P.C.

AFF/201202-0994

PLEASE BE ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND

THAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE

Certification Pursuant to
Massachusetts 209 CMR 18.21A(2Xc)
Mortgagor(s):
Property

Address:

Tim A. Bryant and Michelle M. Bryant

80

Bradford Drive, Feeding Hills (Agawam), Massachusetts 01030-2728

l.Iarnaut1rorizedtosignthisaffidavit*il"JYtofNationstar
Mortgage LLC (Nationstar).
2.

Nationstar services and maintains records for the mortgage loan account that is secured
by the mortgage given to Mortgage Electronic Registration Systerns, Inc., dated September
23,2005 and recorded with the Hampden County Registry of Deeds at Book 15365, Page
423.

J.

The infonnation in this certification is taken frorn (t) Nationstar's business records, and
(2) information contained in the records of the County Registry of Deeds. I have
personal knowledge of Nationstar's procedures for creating the records maintained by
Nationstar in connection with the loan. They are: (a) made at or near the time of the
occurrexce of the matters recorded by persons with personal knowledge of the
information in the business record, or from infonnation transmitted by persons with
personal knowledge; (b) rnade and kept in the usual and ordinary course of Nationstar's
regularly conducted business activities as a rnortgage loan servicer; and (c) created by
Nationstar as regular practice.
Before the servicing of this loan transferred to Nationstar, Specialized Loan Servicing
LLC (Prior Servicer) was the seruicer for the loan and it maintained the loan servicing
records. When Nationstar began servicing this loan, Prior Servicer's records for the loan
were integrated and boarded into Nationstar's systems, such that Prior Servicer's records,
including the collateral file, payment histories, comrnunication logs, default letters,
information, and documents conceming the Loan are now integrated into Nationstar's
business records. Nationstar maintains quality control and verification procedures as part
of the boardirrg process to ensure the accuracy of the boarded records. It is the regular
business practice of Nationstar to integrate prior servicers' records into Nationstar's
business records and to rely upon those boarded records in providing its loan servicing
functions. These Prior Servicer records have been integrated and are relied upon by
Nationstar as part of Nationstar's business records.

4.

Nationstar services the above-referenced mortgage loan. You signed a promissory note
secured by a mortgage, Because you are in default on the terms and conditions of the
above-referenced mortgage, Nationstar has initiated a foreclosure on the mortgaged
property in the name of, HSBC Bank USA, National Association as Trustee for GSAA
Home Equity Trust 2005-15, Asset-Backed Certificates, Series 2005-15.

5,

Tire current owner of the note is: Nationstar Mortgage LLC.

Page

201202-0994

Nationsiar 209 Cert/Btyant,

Michelle M.

I of2

Tin A.

and

6.

A copy of the note, including any endorsements and/or allonges, if any, is attached to
this certification as Exhibit A.

7.

Pursuant to my review of Nationstar's busiress records, the information contained in

the records of the Hampden county Registry of Deeds, and the title search
information described above, the full name of the current holder of the mortgage is
HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust
2005 - | 5, Asset-Backed Certifi cates, Seri es 2005- 1 5.
8.

to my review of the relevant business records andlor the records of the

county recorder where the subject property is located and/or the title report, the
following is the (i) date, (ii) assignor, and (iii) assignee of each recorded assignment
of the subject mortgage, if any, frorn the date the Mortgage was first recorded:
Pursuant

by assigrunent from Mortgage Electronic Registration Systems, Inc. to BAC Home

Loans Servicing, LP flkla Countrywide Home Loans Servicing, LP dated May 16, 2011
and recorded with said Regishy on May 19,2011 at Book 18776, Page 128
and by assignment from Bank of America, N.A., successor by rnerger to BAC Home
Loans Servicing, LP flk/a Countrywide Home Loans Selicing, LP to HSBC Barik USA,
National Association, as Trustee for the Holders of the GSAA Home Equity Trust 200515 dated April 10, 2012 and recorded with said Registry on April 17,2012 at Book
79212,Page 475
and by assigrunent from Bank of America, N.A. to Nationstar Mortgage LLC dated
July 30, 2013 and recorded with said Registry on August 19,2013 at Book 19977,Page
594

Signature
Denna Handli-n

Print
Document. Execlrti nn qpF.i l ist
^

Title

4/1?/2n1

Date

CERTIFICATION PURSUANI. TO IUASSACHUSETTS 209 C[{R IS.2IA(2Xc)

Pagc 2 of 2

20t202-0994
/Nationstar' 209 Cerl/Bryant,
Michelle M.

Tirn A.

and

(Page 1

ol

72,

..t
P,!p.red

byr rrLlClA

CABOSTOI O

J"OAN

'"
(Onc.Ycar

t!

114726037

ADruSTABLE RATE NOTE

Indcx (As Publishod in'Ihe Vira,ll Srreet Josrnal) - Rate Caps)

THIS NOTE CONTAINS

ALLOWNG FOF A CHANGE IN MY FIXEO INTEREST.RATE

igT BATE AI{D FOR SHANCES IN MY MONTHLY PAYIIENT. THIS
MV ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE

TO AN AOJUSTABLE
I{OTE LIMITS THE
TIME AND T}IE

RATE I MUST PAY.

98PTEMBER 23t 2005

lDrul

ITIIJIS
tcittl

FEgDING

80

MASSACIiUSETTS

lsBcl

DR, FEEDING HILIS, l.{A 0r03S-2?28

lRsfctt Addr4l

1. SORITOWER'S PROMISE

lU

In rctum for a loan ftail have

plus intercst, to ths order of Lcndcr.
COUNTRYI{IDE HOME IOANS,
I will makc all paymcnLs undcr thi$
I undcrf,Bnd lh$ I$dcr may
recciYo paymcnb un&r this Note

Ipromisc topay U,S.

$ 228, 000, 00

(thh amount ir callerl "Principal"),

ts

in tbe form ofcosh, chcck or rnoncy order.

this Note, Irnder or anyonc wbo lakcs Uris Note by uansfcr and who is entitled
thc "Notc tloldcr."

ao

2, INTEHEqT
Iotorest will bc chueBd oil
96. Thc intercsr
Thc intcrcst rare rcquircd by
dcscribcd in Scc(iar ?@) of thi.l
rate

of 5.62:

principal uutil rhc full omount of Principal has bccn paid. I will pay intcrc* al a ycarly
I will pay mry chuogc in accrrdanoc wih Se{tion 4 of this No(e,
Ssctiod 2 end Sccrion 4 of lhif Notc is lhe rarc I l{ill pay bolh bcforo rnd aftcr my dcfault

3, PAYMENIS
(A) Tlmc rnd Place of
I will matc a psymcnt on lhc
Bcfore the First Principal and
the iDle c.st duc on thc unpaid
cvcry month &s providcd bclo*.
I will make my montlrly
as dcscribcd in Section 4 of thir
and any othcr chargcs describcd
schcdulcd due datc. snd if fte

ocroBER

01,

2035

rle "Maurrity Datc."

I will rrlake ily moothly

,I

P,o. Box 660694, DaIIas,

or at a diftc.@t phc6 if rcquircd by

on

i!si
dey of cvery monrft, beginning
NoVEHBER 01, 2005
Paymcnl Duo Datc as dcscribcd in Scction 4 oI thi$ Nolc, my paynrnt will cursist mly of
balanc.e of this Notc. Thcruftcr, I will pay prhripal and intcre$ by nukiog a payrEnl
of principal ard i0tcrcst beginning on the First Principrl 8od Inrcrcst Palmcnt Duc Dilc
lhcsc payilcntr cvcty rnorrrh until I havo paid 0ll of tho ptincipal and ioorsst
that I may owc undcr thi$ Nolc. Bach monrhly payrrcnt will bc apglied as of its
inch:dcs both prirrcipal and intcresl ir will be applied to intcctt beforc PrinciDal, If, on
owo amoun8 undcr this Nolc, I will pay thcse amounu in full on lhrt dstc, $/hich is called

I will rnskc

?5266-0594
Notc Hoklcr.
Paymonls
amount of U,S, $ l, 05 L 75
bcforc the First Principd arrd Intctast
be in an amount sufticicnt to rcpay thc principal rnd intcrut 0[ thc rats dclcrmincd 8s
subslanlirlly cqurl instellmcnt$ by thc Mrurity Date. The Notc Holder will notify mc

(S) Anourt ol My Intltol

My monthly paymcnt *!ll bo
PaymeniDuc Darc, and thereafrct
dcscribcd in Scction 4 of this Norc
prior to thc datc ofchangc in rnonthl rlaymcol.
(C) llonthly Pcymcnt
ChanSes in my fllonthly
will roflect changcs in the unpaid prrinctpai ofmy loan and in thc interest rals ftarI munt
pay. Thc Norc Holdcr $ill
rny ncw inErcst nE and thc changut amount of my rnonthly gdymonl ir aocordatae with
Srdion 4 or 5 of Uis Notc,

cotw

UULTSTATE

lnl.r6t o'ttr ADJUS:rAnE

2O005-XX (0il00)(d)

ilililtfrffrilr

'2399r'

il

NOTE. OI{E YEAN L|8OB INOEX

PeFlol4

au

sal

"*,,frD
V
il1ilffi f, $ililffi ililffi ilffi riltrfi ffi |illilffi ilfi
ilffi
!1147200070000049E05

l[

lPage

2 ol

7L)

LOAN

4,

AOJ USTABLE II{TtsITEST

(A) Chcngc DNt{s

Thc iDitisl lixcd inlcrcst rerc I
OCToBER, 2010 . and lhe
dotc on which my inidal fixed

*:

114?2603?

AND MONTHLY PAYMENT CHANCES

vill Chrnge lO an adjuFtrblc inlddst raic on thc first

day of
interast rato I will pny may change on tll0f day evcry l2th moath $ccaBcr. Thc
ratc changco ro an adjustoblc lntercst rarc, and eecb datc cx which my rdjuslablo intcrcsi
PAy

rate could cbangc, is csJJcd a

(D) Thc lndcx

Bcginning wirh the fint Changc
my sdjustablc inlcrpst ralp will bc bascd m an lnder. Thc "lndcx" is tbc ovcrogc of
inErbank offcrcd lahs for ono'ycat
dollar-dcnomhaEd dcp0rits in lhc lrn{ton mad(cl (LI8OR). as published ia'Ihc tllall
Street lounul.lhe most ro0co!
figurc availablc ar of hc darc 45 days bcforc cach Chango DrF i$ callcd thc "Cuncnr

Indcx,"

If the lndu is no longcr a

Thc Nolc Xol(br will givc mc noticc

drc Notc Holder will choooe a ncw indcx that i* ba.sed unon comlarsble information.
lhis choi6c.

(C) Cslcrdrtion of Chcryca

Bcforc cach Cftangc Datc, thc
TWO

'

Holdcr will celsulo{c my now intcrc$ nte

poiDls( 2,230

ONE-QUARTER

round thc result of lhir addition to

Secdon 4(D) bcloe, this roundcd

Thc Notc Holdu will ftn

princiDal thsl I am cxpcctcd to owe
poymcnE, ThC rc,sult Of rhif
(D) Limi$ on Inhrcal Rutc

Thc intcrsst ratc I arn rc(ui

2.250

96.

Thcrcafer, my

at{ir:

by.ddirt

%)toth6Currenl Indcx.ThcNotcllolderwill thcn

nearcst onc.cighlh of onc perccntagc point (0.125%). Subjcct

will be my row inrcrest r:Ic unlil tho ncrt Changc Dslc.

lo hc littits

stalcd in

thc amount of tho monthly paymcd that w<luld be sufficicnt l,o tcpay lhc unpoid
Changc Dato in lull oil (bc Mstur;ty Datc st my ncw intcres! ratc in subslanually cqual
wilt bc thc ocv arnount of my monlhly paymenl

fo pDy 8t thc

tiat Chmgc Datc will not be gtcalc.

lhan f0.625

% or lcss tlBn

never bc incrcs.sed o. dccrcascd on 8ny single Ch0ngc Dtlc by mqc

of inErcst I havc bccn paying for t}o pcccding 12 mon(hs. My inEtesl rate will never
inleresr ratc

will

than tvo percenkgc point.s from thc

bcgrcaerthan t0.629 %.
(E) Ellcclivc Detc of Chrngts
My nsw inlclesr rdc will
cffcclivc on cach Chargc Datc. I will pay thc &lounl 0f my ncrf, moDlhly pBymcnt
bcginning on thc 6rst monthly
dalc aftcr thc Changc Datc until tho amounl qf my monlhly paymcnt changcs sgai[.
(E Notic. of ChroBca
Before illc cffc4tivc thtc of any
in my intcrcs! rstc and/or monthty paymcnl, thc Nolc Holder vill dcllvcr or mail to
will includc informsliotr rcquired by law lo bc givcn ur mc and al.Jo thc aiilc aid
mc a notico of $uch chailgc, Thc
anrwcrany qucslion t moy hove regording lhc nolice,
tclcphonc numbs! of a pcrsoo who
(G) De(c of t'irrt Principd
InlcrBst Prymcnt
Thc dat of my 6rst poymcnt
of both principal ard inlere,st on ahis Notc (dlc 'Flrs! Principal Bnd lntcnst
payrncnr darc aftcr rhe fir$ chsngo Dolc,
Paymcnt Du? Dae") lhal.l be $c

5. BOftROWER'S RICHTTO
I havc tho right to n[ke

"Prcpayrnent." Whcn I nskc s

psymcnt as a Prcpayment if I have
I may mokc r full Prepaymerl
my Prcpaymcnrs !o rcducc lhe
Prcpaymcnt to thc scorcd and
Principrl smount of tho Noto. If I
unlcss thc Notc Holdcr sgrccs in
.paymen6 consist only of inaercst,
paymcnb consist of only intcrcst.
and inr$est my paflial Prcpsymcnl
psnirl P8paynerl. Horvcvu, ony

AY
of Principal a! any timc bcfor thcy are clue. A paymcnt ol Principal only is known as e
I rvill rcll tfic Notc Holdcr in writing rhat I am doing ro. I mey no! dosignatc a
Tnsdc all rhe moorhly prymcnts drc under thh Notc.
r partial Prcpayrncnb without paying any Prcpayrrut charge. The Nore Holder will use
of Principal tlrat I owo urdcr $is Nolc. Howevcr, lhe Nolc Holdcr rmy apply my
increet on the Prcpaymcnt rmount bcforc Spprying tny Pr4aymcnt lo rcducc thc
o paniel PrcpaymenL lhcr will bc no chrngcs in drc duc dao of riry monthiy paymenls
to thosc changcs. If tlc partial Prcpaymcnt is rnado duting tho pcriod whon my monrhly
smouol 0f lhc monthly paymenl will dccrcasc for tho rcmnindcr of lhc $rm whcn my
c panid P.spaymcnt iB rudc doring tho p.riod when my paylnsnte coltsisl of principal
rcducc thc arroun! of my monlhly payrneil$ afcr thc firu Changc Dete folluwing my
drro to my partial Prqnymcnt may bc offset by an iolcrgsl ntc ircreasc.

6. LOANCHANGES

ll a lrw, which

rppliEs

ao

thir

lorn charBc.r collocted or to bc

shall bc rcduccd by lhe smount
me thrt excecdcd permillcd limib
Priflcat al I owc uildc{ thi,i Note o.
as e

and which $ets maxiflum loari chargc,s, is fmally inlorptclc{l }o $ai lhc inagrert or odrcr
in conncction with this loan exceed rhe pcrmiucd limiLs, 6cn: (a) any such loon chuge
ry lo .sduce thc chargc to thc pcrmittcd linil; and (b) any sums alrcady colleckd ftom
bc rcfundql lo mc. Thc Notc Holdcr may cbmsc to makc this rcfund by rcducing he
makilg a dircct paytnett !o inc. lf a rcfund rcduccs Principal, thc re{tucrio[ will bc featcd

pE(fial Prepoymc{..

7. BORROWER'S TAILURE TO Av As REQUTROD

(A) Lstc Chrrgec for
Puymenlr

If UD Notc Holdcr hari not

days sflcr lhc datc it is due, I will
ovctduc paymcot of inerc.st, during
pay this lstc chargc promnuy but
(B) Dcluult
lf I do not pay thc full anount

rhc full afl$unt

ofsny rnonthly t symcot by

the cnd

of

TIFTEEN

re pcriod whon my poyment is inlorest ooly, and

oncc oo each hlc payrneot.
coch monrhly payr0eol on the dsts

it

is due' I

ofprincipd

will

and

calcndar

3.000

%ofmy
inlcrc$t thcrcrftcr' I will

alslschargclo6cNotaHoldcr.Thcarnountofthcchatgcwillbc

be in dcfault.

coNv

MULTTSTATE

bto,sr orit AAIJSTABLE

2DEotXX (0r0a)

lTE - ONE YCAB UAOC

l,,tOEX

Ptoe2da

",.',,@.

(Page

3 ol

72)

e
LOAN
(C) Notlcc of Defsult
If I em in dcfaulq thc Note
cotain datc, thc Notc Holdcr m&y
inlcrcit hat I owc on thst amount.
dclivcrrd by othcr rnc6\s.
(D) No Wrivcr 8y Nole
Evcn i[, at a time when I om in
lhc Note Hold$will rtill havc drc
(E) Payrncnt ot Nolc tloldcr'r
lf the Notc Holder han n4uircd
poid back by rnc for sll of ils c{,r!i
cxpcoscs inclurlc, for cxrmplg

t.

ll:

11{?25037

may $cod mc o writtcn roticc r,cllhg mc lhEl if I do nor pay tfic ovcrduc smounl by a
mc to pay immcdialcly thc full unou[t o[ P(incipsl lhat ha.s Dot ben p.id and dl thc
date must bc at tcag 30 days olrcr rhc darc <rn which thc ooticc is flreilcd ro me or

i{ult, thc Notc Holdc( docs not rcquirc mc lo pay immediatcly in full
lo do.so if I sm in defsult 81 8 Jllsr drne,

as

describcd abovq

rnd Erpcnscs
to pay immerliaoly in full aq

descriffi abovc, rhc NotD Holdcr will hevc thc right to bo

exlrtrscs io cnfixcing this Nolc lo U|e ctlmt not prchibitrd by sppljcable la*. Ttose
attornsts'

fee.$.

GIVING OF NOTICES

Unlcas applicablc law rcquircr diffcrcnt merbotl, any noticc that muil bc givcn to me unthr thir Noto will bc given by
dclivcdng il or by slailing it by lirst
mail to mc a! rhc Popcrry Addross aboye or a! a diffcrcnr addrss if J givc tho Note
Holdcr a noticc of rny di(rerent oddJ
Unlcss ftc Noto Holdcr
differcnt rnc6od, any notice rhal mus! bc givcn to lhc Norc lloldet uoder this Noc will
bc giwo by rneiling it by fir$ c'ess
u, ibe Norc Holdcr ar fic oddrrss tratcd in Scction 3(A) abovc or at a differcot sddrcss
givcn
rrcricc
ifl tm
a
of thst

9. OBLICATIONSOF PERSONS
If morc lban onc person signs

fiis Note, including the plomise to

also obligated to do $ese things,
or cndorser of this No(e, is al$o
undcr 0[s Notc aBainst cach pcrson
psy oll of $e mounLt owed undcr

{DEI{ THIS NOTE

Notc, cach pc-r'son ir fr:lly end pcnonolly obligoted to kccp all of $c plomi$e6 madc in
Urs full aatount owcd, Any pcrpn who is a goaranor, nurt.Jy or cnd*ser of this Note is
pcrson who takc$ ovsr therc 0bligsliong, includiog thcobligations ofa guurnlor, Eurpty
cd lo kccp all of the promircs madc in this Notc. Thc t\trotc Holder mly enforcc itr dghts
vidually or against all of us togcthcr, This mcans Urat any onc of us may bc rcquir{t to
Notc.

10, wAlvERs

I rnd

any

oths

pcrson

wio

"Pro.sentmenr" rneans lhe right to

right ro rcquirc lhc Norc Holdcr l0

obligations undcr thin Notc waive the rights of Prcscntrncnt and Noticc of Disionor,
lhc hNoro Holdcr ao dcmald psymrfil of amounls duc. "Noticc of Dishonor" mgut lhe
nolicc to o{hcr pcrsons thd atnounLs duc havc not bccn paid.

II.

UNIFORMSDCURED NOTD
This Notc ls a unifonn lnr
Notc Holdcr'undct this Nots, a

somc jurisdicrions. In addirion lo lhg pmtcctions given l0 ahe

Dced of Trusq or Securily Dced (lhe "Security lrlsrilmcf,t), damd tlp ,qrmc datc as
Srgsible lo*ses that might rcsuh if I do nor kccp rhc pmmisas $sl I mskg in lhit Notc,
and undcr what cooditions I rmy bc rcquircd to makc immcdiate poymcnt in full of rll
ahosc conditions rc.ad as fullows:

wilh limitcd varialionr in

this Notc, pmtccts thc Notc Holder

Tbat Sccnrity Instn mcnt dsncribcn
smounts I owc undcr his Notc

(A) Uoiil rny initial fixcd

Uriform Covenail 18 of fic
Trmsfcr of lbt
Property" ancars any lcgal or
intcrcsls mnsfcnod in a bond
which is rlrc rEnsferof titlc by
If a.ll or rny part of rhe
and a bercficitl inhrcet in
oprion, requirc lmmcdistc
not be cxerciscl by Lcndcr if
If l.ndcr excrcises rhis
pcriu.t ofnot lets than 30 days
must pay all $unrs sccured by
this pcriul, Iandcr may
on Bonower.

(B) Whco my inilisl fircd

Unifom Covcnant l8 of the
Covcnmt l8 of thc Sccurity

ralA changes ro an rdjustab,e intergst rarc undcr lhe

shall rcad &s follow8:

above,

llcnclicisl lnlcrcct ln Borrower. ds usctl in this Scction 18, "lntrrcsl in thc

iotctcst in lhc propcrry, includiog, bur nor limilcd to, thosc bcneficial
dccd, conuaq for dcod, instsllmc0! $alcs contmctor es.row agttcmgot, thc inEnt of
at a futurc dale F E purchaccr,
or any intuc.st in it is rold or uansfcrrcd (or if Bonowor is not a natural pcrson
is sold or lransfcncd) wilhout kflder'$ prior writl.n conscnl, Itndcr mry, 8t ils

0r

in full of all rums sccuftd by this Securily Inshrmc{t. Howevcr, thin opdon shall
is prohititcd by fcdcral law,
[pnder rhall give Borruwcr rnlice of accclerslion, Thc nolice shall providc a
thc dac ihc notioc is givcn in accordancc qith Scction l5 $/ithin which Bonowcr
Scc0dty Instrumcnt. If Bomrwer fails lo pay drese sums prior lo ole sxpitalion ot
rcrncdies pcrmiued by thh Socurity lnslrumcot eilhout furttpr rotica ordemand

ralc chengcs to au adjusmble inlercs! rale undcr llte tcrms slatcd in Sectron 4 lbove,
tnstrumcot darcribcd in Sccti()il I l(A) abovc shall theo crare to bc i0 cffccl, ard Uniform
shall inblead read.s follows:

Trsnefcr of lbe
P$pcny" rncfir$ any lcgel

or u Boncl'rciul lnlercct in llorrower, A$ uscd in this Secdon lt, "lntcrcst in (hc

lntcrcsl in thr Propcrty, including, but not limitcd ao, lhosc benefrcia,

intero.str lnnsfcned in a bond

which is (bc transler oftitj by

decd, contract for dccd, iflst8llmeot gales cotll|acl of cscrow 8grc9mcnt, lbg intgnr
at a fururc datc lo a purchascr.

coNv

Ems fbrcd in Section 4

Ml,rLllSTATE

hbrctO^,y

2D80tXX (04J0E

AAtrJSTASLE

NOTE. ONE YEAN LEOR INDEX

Pr9r 3 ol 4

ol

{Page4 ol 72)

e
,
l:

LOAN
lI{?2603?
any psrt of rhc
or any Interc$ in lhe Propcrly is s<lld or trurfsncd (or if Bonouu is nor o
pe6on
naturil
attd s
htrcrest irr Borruwer is sold or ttanstered) without Lrnthr,s prioa wrlttcn conscnq
Lendcr may rcquire immcdiolc rymcnt in full of all rums scrurcd by this Sc{urity Insrumcnl, Howcvcr, rhis option
sholl not bc cscrciEcd by
if ruch crcrcisc is pru[ibitcd by Applicrble bw. Lcndcr rlso gall not cxclrisc this
option if: (a) Borowor causas
be Bubmitted to l*rrder hfomaiior rcquirul by lrudcr t0 volurtc ttr intcoded
lrsn$fatEa us if a ncw bon
bcing rlode lo tle ramfcrct; srd (b) Lcodcr tr0sodably dercrmincs thlt Lndc/t
rccurity will not be impoircd
tho loan 0$urnption lrrd that fig tisk of a bm&h of arry covcn0nl or tgrcclneil in

lf oll or

lhis Sccurily htstruarnt is

To thc ortcn! Fcrgllucd

conBent l'o (nc [o0t
ncccpoblo to

[:ndcr

end thor

in thir Sccurity Inslntfircnl

unlcs$ landcr rclcs8cs

If l"endcr crerciscs ihe

tcccleiodon. The nolics shall
*ith Section 15 rvirhh which
pay thcse ,turr! prior to lhc
Instrurnc|t without fwthct

WTNESS TIIE I{AND(S) AND

Wltn66-

Chr(etlne E. !lcbstr

to

lrndcr.

Applicable Law, lcnder may chargo a re{rotgble fec a.9 & corrdifon b Lon{tc/s
Lc'o&r may olso rcquirt tlr tnnsfcrtc to liig[ an 8s$ufipliqn [gcanent that ir
thc tranefercc to kcep all tha plomiaor and agrccmcnlr mrdc ir! Ura l.bte and
will continuc to bc obligatsd urdc( lhc Notc and 0ris Serurily Inttrumc.n!
irt writing,
to rcquh irmodilrc paytlcnt itl full, Lcudcr shall give Borrowcr noticc of
a pcriod of not lcsr hao 30 dayr fmrn the dato tbc notico io giverr in Socordancs
musl pay oll sums sc.{red by ilds Sccurlty ln$rumcnt. If Bonowcr frils to
of thir period, lrnder mry invokc aoy tlilEdics pcilhlcd by llli8 Sec0rily
or dcmand onSorowcr.

OF THB UNDERSIONM.

4244--

(Sc&l)

(Scal)

-lr@wr

(Sosl)

'Dqrcwl
lsisn Odginal OnlYl

tAYro?lEOnDsoF

CONV
a MtTLTtgfATE lnlort Onlt
?Dro5.xx (0,{/{B}

'-.q!

nsw

NOTICE OF MORTGAGEE'S SALE OF REAL ESTATE

By virtue and in execution of the Power of Sale contained in a certain mortgage given by
Tim A. Bryant and Michelle M. Bryant to Mortgage Electronic Registration Systems, lnc., dated
September 23,2005 and recorded with the Hampden County Registry of Deeds at Book 15365,
Page 423, of which mortgage the undersigned is the present holder by assignment from
Mortgage Electronic Registration Systems, lnc. to BAC Home Loans Servicing, LP flkla
Countrywide Home Loans Servicing, LP dated May 16, 2011 and recorded with said registry on
May 19, 2011 at BooK 18776 Page 12E and by assignment from Bank of America, N,A.,
successor by merger to BAC Home Loans Servicing, LP flkla Countrywide Home Loans
Servicing, LP to HSBC Bank USA, National Association, as Trustee for the Holders of the
GSAA Home Equity Trust 2005-15 dated April 10,2012 and recorded with said registry on
April 17 , 2012 at Book 19212 Page 475 and by assignment from Bank of America, N.A. to
Nationstar Mortgage LLC dated July 30, 2013 and recorded with said registry on August 19,
2013 at Book 19977 Page 594, for breach of the conditions of said mortgage and for the
purpose of foreclosing, the same will be sold at Public Auction at 12:00 p.m. on June 24,2015, on
the mortgaged premises located at 80 Bradford Drive, Feeding Hills (Agawam), Hampden County,
Massachusetts, all and singular the premises described in said mortgage,

TO WIT:

Certain real estate situate in Agawam, Hampden County, Massachusetts, being known and
designated as Lot #19 (nineteen) as shown on a plan of Lots entitled 'Longview Heights' and
recorded in the Hampden County Registry of Deeds in Book of Plans 109, Page 104 and 105,
being more particularly bounded and described as follows:
NORTHERLY by Bradford Drive, One Hundred Fifteen (115) feet;
EASTERLY by Lot #21 (twenty-one) on said plan, one hundred thirty and 50/100 (130.50)feet;
SOUTHERLY by Lot #37 (thirty-seven) on said plan, one hundred fifteen (115)feet; and
WESTERLY by Lot #17 (seventeen) on said plan, one hundred thirty and 50/100 (130.50) feet.

SUBJECT to easement rights granted Western Massachusetts Electric Company et al under

instrument dated September 12, 1967 recorded as aforesaid in Book 3287, Page 519.

For mortgago/s(s') title see deed recorded with Hampden County Registry of Deeds in
Book 14429, Page 76.

These premises will be sold and conveyed subject to and with the benefit of all rights,
rights of way, restrictions, easements, covenants, liens or claims in the nature of liens,
improvements, public assessments, any and all unpaid taxes, tax titles, tax liens, water and sewer
liens and any other municipal assessments or liens or existing encumbrances of record which are
in force and are applicable, having priority over said mortgage, whether or not reference to such
restrictions, easements, improvements, liens or encumbrances is made in the deed.
201202-0994

Notice of Sale - MA with

legal
description/Bryant, Tim A. and Michelle M.

TERMS OF SALE:
A deposit of Five Thousand ($5,000.00 ) Dollars by certified or bank check will be required
to be paid by the purchaser at the time and place of sale. The balance is to be paid by certified or
bank check at Harmon Law Offices, P.C., 150 California Street, Newton, Massachusetts 02458, or
by mail to P.O. Box 610389, Newton Highlands, Massachusetts 02461-0389, within thirty (30)
days from the date of sale. Deed will be provided to purchaser for recording upon receipt in full of
the purchase price. The description of the premises contained in said mortgage shall control in
the event of an error in this publication.
Other terms, if any, to be announced at the sale.

HSBC BANK USA, NATIONAL ASSOCIATION AS

TRUSTEE FOR GSAA HOME EQUITY TRUST

2OO5-15, ASSET-BACKED
SERtES 2005-15
Present holder of said mortgage
By its Attorneys,
HARMON LAW OFFICES, P.C.
150 California Street
NeMon, MA 02458
(617) 558-0500
201202-0994 - PRP

CERTIFICATES,