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HomeMy WebLinkAbout916910 )6 C00120 When Recorded Return to: ACADEMY MORTGAGE CORPORATION 4055 SOUTHìOO EAST, SUITE 200 SALT LAKE CITY, UTAH 84107 Attn.: SHIPPING DEPT.LDOC. CONTROL RECEIVED 3/2412006 13t 4:06 PM RECEIVING# 916910 BOOK: 615 PAGE: 120 JEANNE WAGNER LINCOLN COUNTY ClERK, KEMMERER. ~ State of Wyoming (Space Above This Line For Recording Datal MORTGAGE FHA Case No, 5910981708703 J ~ 1000608-0603004214-2 MERS TELEPHONE: (888)679-6377 THIS MORTGAGE ("Security Instrument") is ~iven on March 21, 2006, The Mortgagor is DA VlD L MCINTIRE, JR. AND líACHEL M MCINTIRE, HUSBAND AND WIFE AS JOINT TENANTS ("Borrower"), This Security Instrument is ~iven to Mortgage Electronic Registration Systems, Inc. ("MERS"), (solely 11S nominee for Lender, 11S hereinafter defined, .and Lender's successors .and assigns), as mortgagee. MERS is organized .and existing under the laws of Delaware, .and has .an address .and telephone number of P, 0, Box 1026, Flint, MI 48501-2026, tel. (888) 679-MERS, ACADEMY MORTGAGE CORPORATION, ("Lender") is organized.and existing under the laws oftlle State oflliAH, 11nd has.an address of4055 SOUTH 700 EAST, SUITE 200, SALT LAKE CITY, UTAH 84107. Borrower owes Lender the principal sum of One Hundred Thirteen Thousand Nine Hundred Eighty One And 00/100 Dollars (U.S, $ 113,981.00). This . debt is evidenced by Borrower's note dated the same date.as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due .and payable on April 1, 2036, This Security Jnstrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, .and 1111 renew11ls, extensions.and modifications of the Note; (b) the payment of .all other sums, with interest, .advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the petformance of Borrower's covenants.and agreements under this Security Instrument.and the Note, For this purpose, Borrower does hereby mortgage, gr.ant 11nd .convey 10 MERS (solely as nominee for Lender.and Lender's successors.and 11ssigns).and to the successors .and assigns of MERS with power of sale, the following described property located in LINCOLN County, Wyoming: ¿< FHA Wyoming Mortgage with MERS-4/96 Amended.2/01 Pllge 1 of 10 Initials: ¡J L Me. f"L X1t7117 wyfmertd .. :~II\; ,':":', :.., jìl~; <:-::?:~~::::::::;:; :. ill! :,'1111:, ..i:}¡~1 i.. C00121 0916910 LOT 12 OF BLOCK 6 AND THE EASTERLY 25 FEET OF LOT 11 OF BLOCK 6 OF WILLOW ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTY, "VYOMINGASDESCRIBED ON THE OFFICIAL PLAT THEREOF, Property T11X ill Number: 12~116-13-3-01-003.00 which has the .address of.222 .EMERY STREET KEMMERER [City], Wyo.ming 83101 [Zip Code) ("Property Address"); [Street) TOGETHER 'WITH lill the improvements now Dr hereafter erected on the property, <md 1111 easements, 11ppurtenances.and fixtures now Dr hereafter 11 part of the property. All repla.cements <md 1ldditions sluilllilso be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument .as the ·'Property. Borrower understmds .andllgfees that MERS holds only legal title to the interests granted by Borrower in this Security 1nstrument; but, if necessary to comply with law Dr custom, MERS, (.as nominee for Lender.and Lender's successors.and .assigns), has the right: to exercise.any Dr lill of those interests, including, but not limited to, the right to foreclose .and sell the Property; .and to take .any.action required of Lender including, but not limited to, releasing or canceling this Security lnstrument. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed .and has the ri~t to mortgage, gr.ant <md convey the Property <md tluit the Property is unencumbered, except for encumbrances of record, Borrower warrants and will defend generally the title to the Property .against lill claims .and demands, subject to any encumbrances of record, THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited vMiations by jurisdiction to constitute .a uniform security instrument covering real property , Borrower <md Lender covenant <md .agree .as follows: UNIFORM COVENANTS. 1. P.ayment ofPrincip.a1, Interest .and Late Charge. Borrower shall pay when due the principal of, .and interest on, the debt evidenced by the Note <md late charges due under the Note. 2. Monthly Payment of Tans, Insur.ance JUld Other Charges. Borrower shall include in each monthly payment, together with the principal <md interest.as set forth in the Note <md.any late charges,.a sum for (11) taxes and special.assessments levied or to be levied .against the Property, (b) leasehold payments or ground rents on the Property,.and (c) premiums for insurance required .under parllgfaph4. 1n.any year in which the Lender must pay .a mortgage insurance premium to the Secretary of Housing <md Urban Development ("Secretary"), or in .any year in which such premium would have been required if Lender still.held the Security Instrument, each monthly payment sluill .also include either: (i) a sum for the .annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) 11 monthly charge instead of 11 mortgage insurance premium if this Security lnstrument is held by the Secretary, in 11 reasonable llII10unt to be determined by the FHA Wyoming Mortgage with MERS-4/96 Amended 2/01 Pllge.2 of 10 Initials: OLþ, c. 'f/L Krnrn E~;;¡;¡¡~;Ii~i¡ (, :ì 0, of 2 2 ,~. u J. 091..691.0 Secn:ta1)', Except for the monthly cbarge by the SecretaI)', these items are called "Escrow Items" .and the sums paid to Lender are called 4'EscrowFunds," Lender may, .at .any time, collect and hold amounts for Escrow Items in an aggregate .amount not to exceed the maximum amount that may be required for Borrower's escrow .account under the Real Estate Settlement Procedures Act of 1974, 12 U.S,c. Section 260 I et seq, .and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments.are .available in the .account may not be based on .amounts due for the mortgage insurance premium, If the .anl0unts .held by Lender for Escrow Items exceed the .amounts permitted to be .held by RESP A, Lender shall account to Borrower for the excess funds as required by RESP A. If the amounts of funds held by Lender .at .any time .are not sufficient to pay the Escrow Items w.hen due, Lender may notifY the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's .account shall be credited with the balance remaining for all installment items (a), (b),.and (c) and any mortgage insurance premium installment that Lender bas not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its .acquisition by Lender, Borrower's .accQunt shall be credited with any balance remaining for all installments for items (a), (b),.and (c), 3. Application of P.ayments. All payments under paragraphs 1 .and 2 shall be applied by Lender as follows: Firs!, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance pn:mium; Second, to.any taxes, special.assessments, 1easehoW payments or ground rents, and fire, flood and other .hazard insurance premiums, .as required; Thirg, to iníerest due .under the Note; Fourth, to amortization of the principal of the Note; and Fifth, to !.ate charges due under the Note. 4. Fire, Flood JUld Other Hazard Insur.ance. Borrower shall insure .all improvements on the Property, w.hether now in existence or subsequently erected, .against .any .hazards, casu.alties, .and contingencies, including fire, for which Lender requin:s insurance. T.his insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, .against loss by floods to the extent required by the Secn:taI)'. All insurance shall be carried with companies .approved by Lender, The insurance policies and.any renewals shall be held by Lender .and shall include loss payable clauses in favor of, and in a form .acI:eptable to, Lender, In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower, Each insurance company concerned is .hereby .authorized .and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be .applied by Lender, .at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, fIrst to.any delinquent .amounts applied in the order in paragraph 3, .and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any.application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of .such payments, Any excess insurance proceeds over an .amount required to pay all outstanding indebtedness under the Note.and this Security Instrument .shall be paid to the entity legally entitled thereto, FHA Wyoming Mortgage wHit MERS -4/96 Amended2/01 " PAge3 of 10 Initials: 0 M~ :J7J.. Krnm C00123 091691.0 In the event of foreclosure of this Security lnstrument or other transfer of title to the Property that extinguishes the indebtedness, .all right, title and interest of Borrower in lIIld to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preserv.aHon, Maintenance .and ProtecHon of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, lIIld use the Property AS Borrower's principal residence within sixty days JlÍterthe execution of this Security Instrument (or within sixty days of A later sale or transfer of the Property ) lIIld shall continue to occupy the Property AS Borrower's principal residence for at least one year JlÍter the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which .are beyond Borrower's control. Borrower shall .notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property 10 deteriorate, reasonable wear lIIld tear excepted, Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property, Borrower shall Also be in default jf Borrower, during the loan application process, gave materially false or inaccurate Ïnfonnation or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence, If this SecurityInstrwnent is on a leasehold, Borrower shall comply with the provisions of the lease, If Borrower acquires fee title to the Property, the leasehold lIIld fee title shall not be merged unless Lender llgfees to the merger in writing, 6. Condemnation. The proceeds of any aw.ard or claim for damages, direct or consequential, in connection with any condemnation or other.taking of any part of the Property, or for conveyance in place of condemnation, .are hereby .assigned lIIld shall be paid to Lender to the extent of the full .amount of the indebtedness that remains unpaid under the Note lIIld this Security Instrument. Lender .shall apply such proceeds 10, the reduction of the indebtedness under the Note lIIld this Security Instrument, first to lIIlY delinquent .amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any Application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which.are referred to in parllgfaph.2, or change the .amount of such payments, Any excess proceeds over lIIl .amount required to pay .all outstanding indebtedness under the Note lIIld this Security lnstrument shall be paid to the entity .l.egaIly entitled thereto, ï. Charges to Borrower.JUld ProtecHon of Lender's Rights in the Propert)'. Borrower shall pay.aIl governmental or municipal charges, fmes and impositions that.are not included in parllgfaph 2, Borrower shall pay these obligations on time directly to the entity which is owed the payment. Iffailure to pay would Adversely llffect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments, If Borrower fails to make these payments or the payments required by paragraph.2, or fails 10 perfonTI lIIlY other covenants and llgfeements contained in this Security lnstrument, or there is A legal proceeding that may signifIcantly .affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary 10 protect the value of the Property .and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2, Any .amounts disbursed by Lender under this paragraph shall become lIIl .additional debt of Borrower .and be secured by this Security lnstrument. These .amounts shall bear interest from the date of disbursement, At the Note rate, .and.at the option of Lender, shall be immediately due.and payable, Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) llgfees in writing to the payment of the obligation secured by the lien in A manner acceptable to FHA Wyoming Mortgage with MERS-4/96 Amended:2/0 1 P~e4 of 10 Initials: f) J..rr,t.. :7A ~K rnm - i¡l!ff~,':8> '. :Ji~;::':,',: ·,rIl¡! '. ........... .:!I;I~'i . :,;il>:~:::::::::~:~::;::::::::' r'nO'1?4 \.' V . -_ 0916910 Lender; (b) contests in Eood faith the lien by, or defends 1lgainst enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of !be lien lUl .agreement satisfactory to Lender subordinating the lien to this Security lnstrument. If Lender detennines iliat lulY part of the Property is subject to a lien which may attain priority over this Security lnstrument, Lender may Eive Borrower a notice identifying the lien. Borrower shall satisfy !be lien or take one or more of the actions set forth above within 10 days of the giving of notice , B. F~s. Lender may collect fees lUld charges authorized by the Secr-etary, 9. Grounds for AccelerJition of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary, in the case of payment defaults, require immediate payment in full of all sums secured by this Security lnstrument if: (i) Borrower defaults by failing to pay in fulllUlY monthly payment required by!bis Security lnstrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, toperfozm.any other obligations contained in this Security Instrument, (b) Sale Without Credit Approval. Lender shall, ifpennitted by applicable law (including Section 341(d) of the Garn-St. Gennain Depository lnstitutions Act of 1982, U U.S,c. 170Ij-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security lnstrument if: (i) Allor part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otheIWise transferred (other than by devise or descent), lUld . (ii) The Property is not occupied by the purchaser or grantee as his or .her principal residence, or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in .accordance with the requirements of the Secretary, (c) No Waiver. If circumstances occur that would pennitlender to require immediate payment in full, but Lender does .not require such payments, Lender does not waive its rights with respect to subsequent events, (d) Regulations of BUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in fulllUld foreclose if Dot paid, This Security lnStrument does not authorize .accelerAtion or foreclosure if not permitted by regulations of the Secretary, (e) Mortgage Not Insured. Borrower agrees that if this Securitylnstrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days rrom the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of lulY authorized agent of the Secretary dated subsequent to 60 days from the date .hereof, declining to insure this Security lnstrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary, 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay lul amount due under the Note or this Security lnstrument. This right applies even after foreclosure proceedings are instituted, To reinstate the Security lnstrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs lUld reasonable and customary Jittorneys' fees lUld expenses properly associated with the foreclosure proceeding. Upon reinstatement by FHA Wyoming Mortgage wUh MERS-4/96 Amended 2/01 Page 5 of 10 ~ Initials: 0 L /'1)t. TÁ 1(1'Y\fY\ / '¡Ii ·'1'; ...... . '.. '" .;~;~?' ";:. C00125 091 £'G4iO, ~ ~U"..JI<å..- Borrower, this Security Instrument lUld the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to pennit reinstatement if: (i) Lender has .accepted reinstatement .after the .commencement of foreclosure proceedings within two years immediately preceding the .commencement of a .current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affe.ct the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbeanmce By Lender Not.a W.aiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument .granted by Lender to any su.ccessor in interest of Borrower shall not operate to release the'liability of the original Borrower or Borrower's successor.in interest. Lender shall not be required to commence proceedings against any su.ccessor in interest or refuse to extend time for payment or otheIWise modify amortization of 1he sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's su.ccessors in interest. Any forbearance by Lender in exercising any right or remedy shaH not be a waiver of or preclude the exercise of any right orremedy. 12. Successors .and Assigns Bound; Joint.and Sever.al Liability; Co-Signers. The .covenants and agreements of this Security Instrument shall bind and benefit 1hesu.ccessors lUld assigns of lender and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be jointlUld several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is .co-signing this Security Instrument only to mortgage, grant lUld convey that Borrower's interest in the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender lUld any other Borrower may agree to extend, modify, forbear or make any.accommodations with regard to the tenns of this Security Instrument or the Note without that Borrower's .consent. 13. Notices, Any notice to Borrower provided for in this Security Instrument shall be given by Delivering it or by mailing it by first class mail unless applicable law requires use of another method, The notice Ehall be directed to 1he .Property Address or any other address Borrower designates by notice to Lender. Any notice to .Lender shall be given by fust class mail to Lender's address stated herein or any address Lender designates by notice to BOrrower. Any notice provided for in this Security lnsttument shall be deemed to have been given to Borrower or Lender when given as provided in 1his paragraph, 14. Governing Law; Sever.ability. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the .Property is located, In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, su.ch conflict shall not .affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note.are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note lUld of this Security Instrument. 16. Hazardous Substances. Borrower shall not cause or permit the presence, use,disposal, storage, or release of any Hazardous Substances on or in 1he Property, Borrower 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 smallL uantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the .Property, Borrower shall promptly give Lender written notice of any investigation, .claim, demand, lawsuit or other .action by any governmental or regulatory agency or private party involving the Property lUld any Hazardous Substance or Environmental Law of which Borrower has .actual knowledge, lfBorrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous FHA Wyoming Mortgage with MERS-4/96 Amended2/01 PAge 6 of to Initials: LJt i"n¿,1'IL l<ry\l'Y\ , ' . ,'--: ::;:::::::::::::::;~::::' :mi~~i:'!: ;... '.:::; ;::::';: :~:":':' ;:;:::!¡¡¡~!¡¡~¡1¡i~~~i¡: ',',.,', . i,: .. ..-:',"-?~~;.;;. (' () r¡1 {"6 ,.' u tJJ.L 091691.0 Substances affecting the Property is necessary, Borrower shaIl promptly take .all necessary remedial .actions in .accordance with Environmental Law, As used in this paragraph 16, "Hazardous Substances" are those substances defined 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 fonnaldehyde, .and radio.active materials, As used in this paragraph 16, "Environmental Law" means federal laws .and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection, NON-UNIFORM COVENANTS. Borrower .and Lender further covenant.and agree as foIlows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender .all the rents .and revenues of the Property, Borrower authorizes Lender or Lender's .agents to collect the rents.and revenues.and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to .Lender's notice to Borrower of Borrower's breach of .any covenant or agreement in the Security Instrument, Borrower shaIl coIlect .and receive all rents and revenues of the Property .as trustee for the benefit of Lender .and Borrower, This assignment of rents constitutes an absolute assignment .and not .an .assignment for additional security only, If Lender ,gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect.and receive all of the rents of the Property; and (c) each tenant of the Property shaIl pay all rents due.and unpaid to Lender or Lender's agent onLender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not.and will not perfonn any.act that would prevent Lender from exercising its rights under this paragraph 17. Lender shaIl not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower. However, Lender or a judiciaIly appointed receiver may do So at any time there is a breach. Any application of rents shaIl not cure or waive .any default or invalidate.any other right or remedy of Lender, This .assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. ForeclosurJ! .Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may invoke the power of sale Jlnd .any other remedies permitted by Jlpplicable law. Lender shall be entitled to collect .all expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to, reasonable Jlttorneys' fees Jlnd costs of title evidence. If Lender invokes the power of sale, Lender shall .give notice of intent to foreclose to Borrower .and to the person in possession of the Property, if different, in Jlccordance with Jlpplicable law. Lender shall give notice of the sale to Borrower in the manner provided in paragraph 13. Lender shall publish the notice of sale, Jlnd the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the Property at Jlny sale. The proceeds of the sale sh.all be Jlpplied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable Jlttorneys' fees; (b) to Jlllsums secured by this Security lnstrument; .and (c) Jlny excess to the person or persons legally entitled to it. If the Lender's interest in this Security lnstrument is held by the Secretary Jlnd tIle Secretary requires immediate payment in full under P.ar.agraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single FJlmily Mortgage Foreclosure Act of] 994 ("'Act") (12 D.S.C. 3751 et seq,) by requesting Jl foreclosure commissioner designated under the Act to commence foreclosure JlDd to sell the FHA Wyoming Mortgage wIth MERS -4/96 Amended 2/01 P.age 7 of 10 Initials: ' fJ L frI Co :J'l...- "'KYhrT\ r () 0¡1.04 ? 7 ··,v _ 0916910 Property.as provided in the Act. Nothing in the preCeding sentence shall deprive the Secretary of .any rights otherwise .available to.a Lender under this P.ar.agr.apb 18 or .applicable law. 19. .Release. Upon payment of all sums secured by this Security lnstrument, L:nder shall release this Security lnstrument without charge to Borrower. Borrower shall pay llny recordation costs, .20. W.aivers. Borrower wllives 1111 rights of bomestead exemption.in the Property .and relinquishes 1111 rights of curtesy JIDd dower in the Property, ..21. Riders 10 this Security lnstrnmenL If one ormore riders Me executed by Borrower llIld recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into llIld shall .amend llIld supplement the covenants llIld .agreements of this Security lnstrument .as if the rider(s) were 11 part of this Security .Instrument. [CheckllPplicable box(es)J. I] Condominium Rider [] Growing Equity Rider [] Other(sHspecify] I ] Planned Unit Development Rider [] Graduated Pllyment Rider FHA Wyoming Mortgage with MERS-4196 Amended .2/01 P.age 8 of 10 initials: tJLPJc. T A.. 1?mm IU....'.I _e'; ¡1·...~.li'itl·.f,lf!;'~ \ti::j:::~~J:::::;::::, (' tì n.,4 r: 8 "_' u t.: J. L.. 0916910 BY SIGNING BELOW, Borrower accepts ßJld ~ees to the tenns .contained in this Security lnstrument lIIld in IDlY rider(s) executed by Borrower IDld recorded with it. Wjtnesses: ~#~~;/ C-A::: =- r ~~ -=--~~l) ¿::;r DAVID L MCINTIRE, JR. , . -Borrower ~.tAc~o.J 117.1Yl{'1n~ RACHEL M MCINTIRE (Seal) -Borrower (SeAl) -Borrower (SeAl) -Borrower FHA Wyoming Mortgage with MERS-4196 Amended .2/01 Page 9 of 10 r f) 0'1." ? 9 '- v ' ___ STATE OF WYOMING, The foregoing instrument w.as .acknowledged before me this DAVID L MCINTIRE, JR. .and RACHEL M MCINTIRE, 091..691.0 U Y\~w;Ls: ;) I MO--\ ;}-no e:.. by My Commission Expires: / Ó ... d- --0 ftJ :' -"~TARY puauc I ! COlr:T, C; ~,",',' -, ,.,',';}~ STATE (J LINCOLN ., "'''..!f W'lMIG I~>'i':c"!,.,,,,';;;j,~ IIY ?:;C¿1 FHA Wyoming Mortgagewitb MERS-4/96 Ámended.2/01 N_P"W~~j Page 10 of 10 Initials: tJ'-/'f¡(.. J/L- 'l?mrYì , N4"-;'i,t;:,:.:,,:~. '¡J ,¡t, I,IIj'~i"'l;'; l¡.t;N'.!;§I;'i:~·'