The opinion of the court was delivered by: Herndon, Chief Judge
JUDGMENT DECREE AND ORDER DIRECTING SALE OF MORTGAGED PROPERTY
On January 29, 2009, the United States of America ("USA") commenced the above-captioned mortgage foreclosure suit against Roy E. Rone and Paula S. Rone. The parcel of property in question is located in Benton, Illinois, which lies within this Judicial District. Defendants were properly served herein but failed to move, answer, or otherwise plead in response to the complaint. Based on that failure, the USA secured the Clerk's entry of default on May 12, 2009, pursuant to Federal Rule of Civil Procedure 55(a).
Now before this Court is the USA's motion for default judgment under Rule 55(b). Having carefully reviewed the record, the Court GRANTS the motion for default judgment (Doc. 9), after FINDING as follows:
1. This Court has jurisdiction of the parties to and subject matter of this suit. The Defendants were properly served and having failed to answer or otherwise enter any appearance herein, are properly defaulted.
2. The USA, acting through the Rural Housing Service or successor agency, United States Department of Agriculture, made a loanto Roy E. Rone and Paula S. Rone, secured by mortgages dated July 19, 2004 (Exh. A of the complaint), and February 16, 2005 (Exh. B), in the total principal amount of $51,216.00. The mortgages were recorded in Franklin County, Illinois on July 19, 2004, as Document No. 2004-4677, and on February 22, 2005, as Document No. 2005-0965. These loans are evidenced by promissory notes dated July 19, 2004 (Exh. C), and February 16, 2005 (Exh. D). Defendants, Roy E. Rone and Paula S. Rone, defaulted on the notes. On July 30, 2008, the USA, acting through the United States Department of Agriculture, Rural Development, issueda notice of acceleration (Exh. E). The property has been abandoned as set forth in the affidavit of abandonment dated May 12, 2009.
3. The following persons may have claimed an interest in the above described property, but are foreclosed from asserting their claim, if any, because of their default in this action: Roy E. Rone and Paula S. Rone
4. By virtue of the mortgage and indebtedness thereby secured, the USA has a valid and subsisting lien as follows:
Common address: 606 East Church, Benton, Illinois 62812 Lot Six (6) in Kate St. Clair's Addition to the City of Benton, situated in FRANKLIN COUNTY, ILLINOIS.
Property ID No. 08-18-481-004
5. By virtue of the mortgage and the indebtedness thereby secured, as alleged in the complaint, the following amounts are due to the USA:
(a) U.S. Attorney's docket and recording fees ..... $381.00 U.S. Marshals costs for service of summons . . . $165.00 Title expenses $150.00 TOTAL $696.00
(b) For the use and benefit of the USA, holder of the note secured by the mortgage aforesaid, but subject and subordinate to the lien for payment of the items mentioned in subparagraph (a) of this paragraph: Unpaid principal balance .................. $51,085.27 Accrued interest at $5.875 per day due and unpaid as of May 18, 2009 ................ $3,701.70 Total amount due USA as of May 18, 2009, exclusive of foreclosure costs .............. $54,786.97
(c) In addition, the USA may be compelled to advance various sums of money in payment of costs, fees, expenses and disbursements incurred in connection with the foreclosure, including, without limiting the generality of the foregoing, filing fees, stenographer's fees, witness fees, costs of publication, costs of procuring and preparing documentary evidence and costs of procuring abstracts of title, certificates, foreclosure minutes and a title insurance policy.
(d) Under the terms of the mortgage, all such advances, costs and other fees, expenses and disbursements are made a lien upon the mortgaged real estate and the plaintiff is entitled to recover all such advances, costs, expenses and disbursements, together with interest on all advances at the rate provided in the mortgage, or, if no rate is ...