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Home My WebLink About916262 .·'.:.·.·.·.·.·.:.r.".·t.:....·'~>:n_~~' ,... ...:.,..,.' ,......'.~'-'~""..,.~___ ._.'''._:..:.....-.. ;:.'.."o:-....·ro:-.""..... . ,..",-,._<,,",:,,~...~ :..".~,..'"',.....','... .'-"............,.,.,;...,...... .',',.l.· 2fp ... ~ ...~ (. 7 . .... ,j ECE'VED2I24.f2006- at 4:09 PM R RECEIVING # 916262 PAGE: 207 aOOK: 6~~NNE WAGNER TY CLERK. KEMMERER, wY LINCOLN COUN . WYOMING OPEN-END MORTGAGE (Securing Future Advances) 0056922073 THIS MORTGAGE is given on The mortgagor is ALANA PACYGA, A Single Woman This mortgage is given to FIRST HORIZON HOME LOAN CORPORATION whose address is 4000 Horizon Way, Irving, Texas 75063 In this Mortgage, the terms "you", "yours" refer to the mortgagor(s). The terms "we", "us" and "our" refer to FIRST HORIZON HOME LOAN CORPORATION Pursuant to a Home Equity Line of Credit Agreement and disclosures under the Federal Truth-In Lending Act dated the same date as this Mortgage (" Agreement"), you may incur indebtedness in amounts fluctuating from time to time up to the MAXIMUM PRINCIPAL SUM of FIFTY ONE THOUSAND & 00/100 Dollars (U.S. $ 51,000.00). The Agreement provides for the full debt, if not paid earlier, to be paid by MARCH 1, 2026 You agree that this Mortgage shall continue to secure all sums now or hereafter advanced under the terms of the Agreement including, without limitation, such sums that are advanced to you whether or not at the time the sums are advanced there is any principal sum outstanding under the Agreement. -1 3V This Mortgage secures to us: (a) the repayment of the debt evidenced by the Agreement, with interest, and all reftnancings, renewals, extensions and modiftcations of the Agreement; (b) the payment of all other sums, with interest, advanced under paragraph 7 of this Mortgage to protect the security of this Mortgage; and (c) the performance of your covenants and agreements under this Mortgage and the Agreement. For this purpose and in consideration of the debt, you do hereby mortgage, grant and convey to us and our successors and assigns the property located in Lincoln County, Wyoming, to wit: LOT 53 OF LEON LIVINGSTON SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. WY HELOC FHHLC 03-04 lof6 ~ FH6D271 ¡~m~im;~mffiiililj ·r} - 'I. C' ~". ."'~,"" ~;:~:,;':Y:;;':i;~ì' ~ ~ f"I"".",I.'.~ ~::t,::f:,:..:.:.::.:,1 .' ·.,~-~·,,·:tU:~"""''''''''''·'''.-''''!O=.._'U_____=anm·:õi-fo<:"''··~:'l.~~ 'f - ':"..,,' '-:::'-_,\-'-"l"~-",!<,"'_·'r......,;. . '.·'L·~~·.".I< '...,....·.·......~......J'."...·;I··_·. "...., 'C,·'. h.,,.~4·~"'~~r_.._I';~.,·,''!",~·,q.'''.:t~....,..,, ,". ..... .', ._.,¡~,".' ".;...·..........",..>I'."t.r...,.;;, . '_'_'~'. ~,.',.':..-,,~.,;.,. , f'\ 0 q r, 8 ,...J f.., tJ 091..6262 Which property has the address of: 574 EAST COTTAGE LANE, ALPINE, WYOMING 83128 "Property Address", TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fIxtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Mortgage. All of the foregoing is referred to in this Mortgage as the "Property." YOU COVENANT that you are lawfully seized of the estate hereby conveyed and have the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. You warrant and will defend generally the title to the Property against all claims and demands, subject to any encumbrances ofrecord. YOU AND WE covenant and agree as follows: 1. Payment of Principal, Interest and Other Charges. You shall pay when due the principal and interest owing under the Agreement and all other charges due under the Agreement. 2. Payments of Taxes and Insurance. You will pay, when due, all taxes, assessments, leasehold payments or ground rents (if any), and hazard insurance on the Property and mortgage insurance (if any). 3. Application of Payments. Unless applicable law provides otherwise, all payments received by us under the Agreement and paragraph 1 may be applied by us fIrst to interest and other charges payable under the Agreement and then to the remaining principal balance under the Agreement. 4. Prior Mortgages; Charges; Liens. You shall perform all of your obligations under any mortgage, deed of trust or other security instruments with a lien which has priority over this Mortgage, including your covenants to make payments when due. You shall pay all taxes, assessments, charges, fmes and impositions attributable to the Property which may attain priority over this Mortgage or any advance under this Mortgage, and leasehold payments or ground rents, if any. Upon our request, you shall promptly furnish to us all notices of amounts to be paid under this paragraph and receipts evidencing any such payments you make directly. You shall promptly discharge any lien (other than a lien disclosed to us in your application or in any title report we obtained) which has priority over this Mortgage or any advance to be made under the Agreement or this Mortgage. 5. Hazard Insurance. You shall keep the Property insured against loss by fIre, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which we require insurance. This insurance shall be maintained in the amounts and for the periods that we require, You may choose any insurer reasonably acceptable to us. Insurance policies and renewals shall be acceptable to us and shall include a standard mortgage clause. If we require, you shall promptly give us all receipts of paid premiums and renewal notices. You shall promptly notify the insurer and us of any loss. We may make proof of loss if you do not promptly do so. Insurance proceeds shall be applied to restore or repair the Property damaged, if restoration or repair is economically feasible and our security would not be lessened. Otherwise, insurance proceeds shall be applied to sums secured by this Mortgage, whether or not then due, with any excess paid to you. If you abandon the Property, or do not answer within 30 days our notice to you that the insurer has offered to settle a claim, then we may collect and use the proceeds to repair or restore the Property or to pay sums secured by this Mortgage, whether or not then due. The 30-day period will begin when notice is given. 0056922073 WY HELOC FHHLC 03-04 2of6 ~ FH6D272 ·¡"~ . . .,.,..........,.,.... "'-".'-:-', .:' J";- "I" " .":' .'.,;....~.".,,,.,. ',', , -.';:. ,. .!,.j....... ·.·;..'~:'"..I··:. ; ,. '.."....!":,.........I'!....,.,;; 091..6262 (ì n .:"0' 9 ,) \: t.. Any application of proceeds to principal shall not require us to extend or postpone the due date of monthly payments. If we acquire the Property at a forced sale following your default, your right to any insurance proceeds resulting from damage to the Property prior to the acquisition shall pass to us to the extent of the sums secured by this Mortgage immediately prior to the acquisition. 6. Preservation and Maintenance of Property; Leaseholds. You shall not destroy, damage or substantially change the Property, allow the Property to deteriorate, or commit waste. If this Mortgage is on a leasehold, you shall comply with the lease. If you acquire fee title to the Property, the leasehold and fee title shall not merge unless we agree to the merger in writing. 7. Protection of Our Rights in the Property; Mortgage Insurance. If you fail to perform the covenants and agreements contained in this Mortgage, or there is a legal proceeding that may significantly affect our rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce the laws or regulations), then we may do, and pay for, anything necessary to protect the Property's value and our rights in the Property. Our actions may include paying any sums secured by a lien which has priority over this Mortgage or any advance under the Agreement or this Mortgage, appearing in court, paying reasonable attorney's fees, paying any sums which you are required to pay under this Mortgage and entering on the Property to make repairs. We do not have to take any action we are permitted to take under this paragraph. Any amounts we pay under this paragraph shall become additional debts you owe us and shall be secured by this Mortgage. These amounts shall bear interest from the disbursement date at the rate established under the Agreement and shall be payable, with interest, upon our request. If we require mortgage insurance as a condition of making the loan secured by this Mortgage, you shall pay the premiums for such insurance until such time as the requirement for the insurance terminates. 8. Inspection. We may inspect the Property at any reasonable time and upon reasonable notice. 9. Condemnation. The proceeds of any award for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to us. 10. You Are Not Released; Forbearance by Us Not a Waiver. Extension of time for payment or modification of amortization of the sums secured by this Mortgage granted by us to any of your successors in interest shall not operate to release your liability or the liability of your successors in interest. We shall not be required to commence proceedings against any successor in interest, refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by you or your successors in interest. Our forbearance in exercising any right or remedy shall not waive or preclude the exercise of any right or remedy. 11. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Mortgage shall bind and benefit your successors and permitted assigns. Your covenants and agreements shall be joint and several. Anyone who co-signs this Mortgage but does not execute the Agreement: (a) is co-signing this Mortgage only to mortgage, grant and convey such person's interest in the Property; (b) is not personally obligated to pay the Agreement, but is obligated to pay all other sums secured by this Mortgage; and (c) agrees that we and anyone else who signs this Mortgage may agree to extend, modify, forbear or make any accommodations regarding the terms of this Mortgage or the Agreement without such person's consent. 12. Loan Charges. If the loan secured by this Mortgage is subject to à law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from you which exceed permitted limits will be refunded to you. We may choose to make this refund by reducing the principal owed under the Agreement or by making a direct payment to you. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Agreement. 0056922073 WY HELOC FHHLC 03-04 30f6 ~ FH6D273 ";';~,fjl''',',·ï'ili!! ;;:::::;:¡:::::~~¡;::::1' t N i' J~'~I:.j'!<tlt ~; .~'j~ ':'":;;t''' '.":".";.;';'j.,';',','. ':'.' '··'·!'..:':"J!~"'·":'.·J:¡:·,""·":'Y:~:"-; ':'-:.' .:-1.: ;'. .'¡. -'..'-_";~.:":",,;......;. '.' ......._......~...,~...,.,' .- .;".:I;;...."..,....~.~O~'.~i':'~." ',' t,· .O;:~.,;~:.I'.~.-;: J: , " ,·~·,....·"r.;~¡. "",".:" ".' ......~...~"..... 09:1.6262 f"ì () :,¡ 1 0 '.j 'lJ t... 13. Notices. Unless otherwise required by law, any notice to you provided for in this Mortgage shall be delivered or mailed by fIrst class mail to the Property Address or any other address you designate by notice to us. Unless otherwise required by law, any notice to us shall be given by fIrst class mail to our address stated above or any other address we designate by notice to you. 14. Governing Law; Severability. This Mortgage shall be governed by federal law and, except as preempted by federal law, by the law of jurisdiction in which the Property is located. In the event that any provision or clause of this Mortgage or the Agreement conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Agreement which can be given effect without the conflicting provision. To this end the provisions of this Mortgage and the Agreement are declared to be severable. 15. Transfer of the Property. If all or any part of the Property or any interest in it is sold or transferred without our prior written consent, we may, at our option, require immediate payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by us if exercise is prohibited by federal law as of the date of this Mortgage. 16. Sale of Agreement; Change of Loan Servicer. The Agreement or a partial interest in the Agreement (together with this Mortgage) may be sold one or more times without prior notice to you. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Agreement and this Mortgage. There also may be one or more changes of the Loan Servicer unrelated to the sale of the Agreement. If there is a change of the Loan Servicer, you will be given written notice of the change as required by applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any information required by applicable law. 17. Hazardous Substances. You shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. You shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use or storage on the Property of Hazardous Substances in quantities that are generally recognized to be appropriate to nonnal residential uses and to maintenance of the Property. You shall promptly give us written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which you have actual knowledge. If you learn or are notifIed by any government or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, you shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this Mortgage, "Hazardous Substances" are those substances dermed as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this Mortgage, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 18. Acceleration; Remedies. You will be in default if (1) any payment required by the Agreement is not made when it is due; (2) we discover that you have committed fraud or made a material misrepresentation; or (3) you take any action or fail to take any action that adversely affects our security for the Agreement or any right we have in the Property. If a default occurs, we will give you notice specifying: (a) the default; (b) the action required to cure the default; (c) a date not less than 30 days from the date the notice is given to you, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform you of any right to reinstate after acceleration and the right to assert in any foreclosure proceeding the non-existence of a default or any other defense you have to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, we at our option may require immediate payment in full of all sums secured by this Mortgage without further demand and may foreclose this Mortgage by power of sale. 0056922073 WY HELOC FHHLC 03-04 40f6 ~ FH6D274 ",~ '. ~....." .:"':':J"'" i!IIWiliÆlt ÇLZQ9H::I ~ 9)0 Ç to-EO :J'1HH::I :JO"1íIH AM ELOZZ69S00 'UOIP~ :unSOp;¡Jo] J;¡tpO JO ;¡reS ,(Ul! ]0 pUl! ;¡:JU1uqwn:m;¡ Jop;¡dns ;¡tp J;¡pun Hn~];¡p ,(Ul!]0 '1U;¡WIUJSUJ: ~pn:J;¡S S!tp]O ;¡UO ;¡g~d uo tpJO]1;¡S SS;¡Jpp~ S,J;¡pu;}"} 1~ 'J;¡PU;}"} OJ ;¡:JHOU ;¡AIg OJ 1U;nutUJstq ~pn:J;¡S s!tp J;¡AO ~popd Sin{ t{:J!l[M U;¡n ~ tpIM ;¡:JUl!Jqwn:m;¡ J;¡tpo JO '1SIUJ]0 P;¡;¡P ';¡g~gµow ,(UII]O J;¡P¡oq ;¡tp 1s;¡nb;¡J J;¡PU;}"} pu~ (;¡A\)I }sn.lJ. JO spaaa .10 sa3B3µow .IO.ladns .Iapufl a.lnso¡:>a.l0.i pUB nnBJaa JO aJIJoN .I0J 1sanbaH ·}uamn.l}SUI Á}.InJas S!q} .Japun S}q3.1 .Ino JO lIB asp.laxa ÁBm aM }Bq} SUBam .IaAIBM .Ino A . Ápado.ld aq} U! 3uImoÁM. 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''''''''''''.' ·':fI.o.:f',~:OtØ.~""",,,,,,!~~~IoCJ:'_"', .', ....... .'.._,.·...~...1.'.....'o, .,..'.."','., :. ~1It"..'¡';,"''.I1-..., .1:..' . r¡·:\.·..,.·:::..·.. .,'~"'¡.."... '1..';~C~',.."·.;.ël".-. .·....1.1 ..;.'..,....'.·...r..,J.:õ,' '..., ¡¡~¡m~~mm~!~u ;!.,; ¡:::"?:::;:í:iW:':':- ili¡ø:iW '.' ".' ; ~ "'. .... . '·I_~"f;\._·.···."~_··.··_'~·;'i...t.r~.I""·.,·,..:...,. "".' '';;. ....1'·,'·· dU,~,··.·.j:1::.:~:q"·,",""·'~'J ¡ t<;'" '1~1:;~t','CI~;'<:"';'!";" " 09:1..6262 ~ (ì('\:~o!1 2 ," ::t I!: ". '..; \1 (.. 1. BY SIGNING BELOW, you accept and agree to the terms and covenants contained in this Mortgage and any rider(s) executed by you and recorded with it. BOTH SPOUSES MUST SIGN , Mortgagor , Mortgagor , Mortgagor , Mortgagor STATE OF WYOMING, LINCOLN County 55: by ALANA PACYGA '")-'òDC¿ , WITNESS my hand and official seal. My Commission Expires: ~ This Instrument Was Prepared By: FIRST HORIZON HOME LOAN CORPORATION. 1315 SOUTH HIGHWAY 89, SUITE 101 JACKSON, WY 83001 After Recording Please Return To: FHHLC - POST CLOSING MAIL ROOM 1555 W. WALNUT HILL LN. #200 MC 6712 IRVING, TX 75038 0056922073 WY HELOC FHHLC 03-04 60f6 FH6D276 ",~ " ":".' ,. ~'- " ;'" '._-,.'. .....,,-.¡. ,.:,-..",,, '. ';'''';':',·I'<f"~~;r,·iJ';,,,,·;·'.~¡·,..,!:,,">:'''~~'!'.&!=~:~:t·:'t,"'~cr,fl.b>',·';':,:""r~;:':"'T;:;;h._~.'i';~~..!IR'.-r:'~·',~ ;'.'~(.:':..'..-. ;-,..;.·.':ó:r:I:t:.:.;,r..;.....,'. ''':', ~.,' .", ,····.-~'."<ft:¡~II'IfIr.Ir~"...,"'".._"~...r.~<I..,....');iio-·.!·,,· . ·,.·,·.,r":',..·.JL.:.-~l~.........~".i,~,..; ...... _..,';~..,~,.."'."...~;~....-.~:._ O~:t6262 f')"",., . 1'1" ~ 11 ot 3 '-' \J u~ 1. RIDER TO THE DEED OF TRUST I MORTGAGE I SECURITY DEED 0056922073 Date: / / The escrow of taxes and insurance required in of your DEED OF TRUSTIMORTGAGE/SECURITY DEED to FIRST HORIZON HOME LOAN CORPORATION a KANSAS corporation is hereby waived and you are notified that you are not required to deposit with FIRST HORIZON HOME LOAN CORPORATION , a KANSAS corporation any of the amounts set forth in said paragraph. This waiver does not, in any way, release you from your obligation to make escrow payments of taxes and insurance to the holder of any prior mortgage, nor does it relieve you of your obligation to keep taxes and insurance premiums current with respect to the mortgaged property. All payments will be applied first to the accrued interest and next to the unpaid principal of your loan. The exact amount of your fmal payment, fmance charges, and total of payments will be somewhat more or less than the amounts shown if we do not receive each payment on the scheduled payment date. RECEIPT ACKNOWLEDGED: ~v~ v/z-¿, (Dip Date Date Date Date HELOC RIDER 40109 (8/96) FH6D444 (01103) Bj!~lli~~i~i~~f¡lj