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MORTGAGE
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
June 6. 2001
(A) "Security Instrument" means this document, which is dated
together with all Riders to this document.
(B) "Borrower" is Kenneth W Hellwinkel, A Single Man
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is Major Mortgage
Lender is a A Wyomi ng Corporation
organized and existing under the laws of
Wyoming
HELLWINKEL,K AF 1061303
WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
. -6IWY) (0006)
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Page 1 of 1 6 MW 06100
InIl19'0:&'
VMP MORTGAGE FORMS -(800)521-7291
Form 3061 1/01
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(P) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns, with power of sale, the following described property located
in the County of Linea 1 n
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
Part of Lot 1 of Block 27 to the Town of Afton, Lincoln County, Wyoming
being more particularly described as follows: BEGINNING' at a point 10
rods West from the Northeast corner of said Lot 1; thence South 20 rods;
thence West 10 rods: thence North 10 rods; thence East 5 rods; thence
North 10 rods: thence East 5 rods to the POINT OF BEGINNING.
Parcel ID Number: 12-32183031526100
276 East 5th Avenue
Afton
("Property Address"):
which currently has the address of
[Street]
[City] , Wyoming 83110 [Zip Code]
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 Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
L Payment of PrIncIpal, Interest, Escrow Items, Prepayment Charges, and Late Charges,
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as2JaW-t under the Note or thi.
HELLWINKEL,K AF 1061303
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_-6IWYI (00051 Paga 3 of 15 Form 3051 1101
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due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evIdencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
Is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notIce giveO! in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expendItures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposIts are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can ag~ee in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as dermed under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as dermed under RESP A, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment In full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender_
4. Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings whIch in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the
HELLWINKEL.K AF
InitiaIS~'-
1061303
cD -6(WYII00061
~
Page 5 of 1 5
Form 3051 1/01
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the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for In
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related ~tters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 3D-day
period will begin when the notice is given. In either event, or if Lender acquires the Property under
SectIon 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of uneamed premiwns paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this SecurIty Instrument, whether or not then due.
6, Occupancy, Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the executIon of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control.
7, PreservatIon, Maintenance and Protection of the Property; InspectIons. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
detennined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condenmation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the Insurance or condenmation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
S, Borrower's Loan ApplicatIo~. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9, Protection of Lender's Interest in the Property and Rights Under thIs Security Instrwnent, If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
Is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condenmation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
HELLWINKEL,K AF
InltiaIS~'--
1061303
cD -6(WYI 100051
~
Page 7 of 15
Form 3051 1/01
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(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law, These rights
may Include the right to receIve certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to bave the Mortgage Insurance terminated automatically, and/or to receIve a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination,
11. AssIgnment of Miscellaneous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair' of
the Property, if the restoration or repair Is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work Is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
MIscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened. the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due. with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in SectIon 2.
In the event of a total taking, destructIon, or loss in value of the Property, the MIscellaneous
Proceeds shall be applied to the sums secured by thIs Security Instrument, whether or not then due. with
the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destructIon, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by thIs Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multIplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction. or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in whIch the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by thIs Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether cIvil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claIm for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
HELLWINKEL,K AF
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16, Governing Law; Severability; Rules of Construction, This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohIbition against agreement by contract. In
the event that any provision or clause of thIs Security Instrument or the Note conflicts with Applicable
Law, such conflIct shall not affect other provisions of this Security Instrument or the Note whIch can be
given effect without the conflIcting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminIne gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17, Borrower's Copy, Borrower shall be given one copy of the Note and of this Security Instrument.
18, Transfer of the Property or a Beneficial Interest In Borrower, As used in this Section 18,
"Interest in the Property" means any legal or beneficIal interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require inunediate payment in full of all sums secured by this Security
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by thIs Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
19, Borrower's Right to Reinstate After Acceleration, If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in
this Security Instrument; (b) such other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this SecurIty Instrument. Those
conditions are that Borrower: (a) pays Lender all swns whIch then would be due under thIs Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited
to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d)
takes such action as Lender may reasonably require to assure that Lender's interest in the Property and
rights under this Security Instrument, and Borrower's obligation to pay the swns secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and
expenses in one or more of the following fonns, as selected by Lender: (a) cash; (b) money order; (c)
certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20, Sale of Note; Change of Loan Servicer; Notice of Grievance, The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and perfonns other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Servicer, the address to which payments should be made and any other information RESP A
HELLWINKEL,K AF
1061303
In;tial~
.. -6(WYII00061
@
Page 1 1 of 15
Form 3051 1/01
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NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22, Acceleration; Remedies, Lender shall gIve notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement In thIs Security Instrument (but not prior to
acceleration under SectIon 18 unless Applicable Law provides otherwise). The notice shall specify: (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 Borrower, 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 Security Instrument and sale of the Property, The notIce shall further inform Borrower of the
right to reinstate after acceleration and the right to bring a court action to assert the non.existence of
a default or any other defense of Borrower to acceleration and sale, If the default is not cured on or
before the date specified in the notice, Lender at its optIon may require inunediate payment in full of
all sums secured by thIs Security Instrument without further demand and may Invoke the power of
sale and any other remedies permitted by Applicahle Law, Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided In thIs SectIon 22, including, but not limited to,
reasonable attorneys' fees and 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 accordance wIth Applicable Law,
Lender shall give notice of the sale to Borrower in the manner provided in Section 15, Lender shall
publish the notice of sale, and the Property shall be sold In the manner prescribed by Applicable
Law, Lender or its desIgnee may purchase the Property at any sale, The proceeds of the sale shall be
applied in the following order: (a) to all expenses of the sale, including, but not limited to,
reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to
the person or persons legally entitled to it,
23. Release, Upon payment of all sums secured by this Security Instrument, Lender shall release this
Security In.strument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is pennitted under Applicable Law.
24. Waivers, Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
HELLWINKEL,K AF
1061303
Inltlals:H-
Form 3051 1/01
tIIJIII\l. -6IWYI (0005)
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Page 13 of 15
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STATE OF WYOMING,
Lincoln
County ss:
The foregoing instrument was acknowledged before me this
byKenneth W Hellwinkel
June 6. 2001
My Conunission ExpIres: 1- I { ~5J..Ct::::; '-/
~ LAURIE McKEE - NOTARY PUBLIC
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COUNrfOF STATE OF
l LINCOLN WYOMING t
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Notary blie -
HELLWINKEL.K AF
1061303
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_-6IWYII00051
Page 15 of 15
Form 3051 1/01
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