Crew III, J.
In August 1997, defendant Harold P. Hingos, Jr. executed an adjustable rate note and mortgage in favor of plaintiff with respect to certain real property located in the Town of Guilford, Chenango County. Pursuant to the terms of the note, Hingos was required to make monthly payments on the first day of each month beginning October 1, 1997 in the initial sum of $589.02, together with monthly escrow payments for taxes and insurance. In September 1997, the...
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