HomeMy WebLinkAbout939550
Q\J I \1(; I 0 I:>.J
'\::)'
Return To:
COUNTRYWIDE BANK, FSB
MS SV-79 DOCUMENT PROCESSING
P.O. Box 10423
Van Nuys, CA 91410-0423
RECEIVED 6/5/2008 at 12:03 PM
RECEIVING # 939550
BOOK: 696 PAGE: 481
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
Prepared By:
MICHELLE SALAS
('000481.
WY5 911 04 02 607 03
[Case #
(Space Above This Line For ReconUng Data)
KEMMERER
[Escrow/Closing #J
00019346895406008
[Doc ID #J
State of Wyoming
MORTGAGE
FHA Case No.
WY 5 911 0 4 02 6 0 7 0 3
MIN 1001337-0003171101-6
-/
THIS MORTGAGE ("Security Instrument") is given on JUNE 03, 2008
DERRICK L MCCASLIN, A SINGLE MAN
. The Mortgagor is
,.--,
,:;
ì
("Borrower"). This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. ("MERS"),
(solely as nominee for. Lender, as 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.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
COUNTRYWIDE BANK, FSB
("Lender") is organized and existing under the laws of THE UNITED STATES ,and has an address of
1199 North Fairfax St. Ste.500, Alexandria, VA 22314
Borrower owes Lender the principal sum of
TWO HUNDRED SEVEN THOUSAND SEVEN HUNDRED FORTY and 00/100
Dollars (U.S. $ 207, 740. 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 JUL Y 01, 2038 , This Security Instrument secures to Lender: (a) the repayment of
the debt evidenced by the Note, with interest, and all renewals, 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 performance of Borrower's covenant~ and agreement~ under this Security Instrument and the
Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender
and Lender's successors and assigns) and to the successors and a~signs of MERS with power of sale, the following
described property located in LINCOLN County, Wyoming:
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF.
FHA Wyoming Mortgage with MERS - 4196
MERS FHA Mortgage-WY
2004N-WY (11/07)(d/i)
IIIII1
·23991·
Page 1 of 7
Amended 2/01
II 111111111111111111
. 1 934 6 8 9 5 4 0 0 0 0 0 2 0 0 4 N .
(0-00482
CASE #: WY5911040260703
Parcel ID Number: 1233183240038400
which has the address of
DOC ID #: 00019346895406008
Wyoming
445 COUNTY RD 129, GROVER
[Street, City]
("Property Address");
83122
[Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easement",
appurtenances and fixtures now or hereafter a part of the property. All replacement" and additions shall also be
covered by this Security Instrument. A1l of the foregoing is referred to in this Security Instrument a,> the "Property."
Borrower understands and agrees that MERS hold,> only legal title to the interest" granted by Borrower in this
Security Instrument; but, if necessary to comply with law or custom, MERS, (a" nominee for Lender and Lender's
successors and assigns), ha" the right: to exercise any or all of those interest,>, including, but not limited to, the right
to foreclose and se1l the Property; and to take any action required of Lender including, but not limited to, re1ea,>ing
or canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seized 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 warrant" and will defend genera1ly the title to the Property against a1l claims
and demand,>, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines unifonn covenant,> for national use and non-unifonn covenant,>
with limited variations by jurisdiction to constitute a uniform security instrument covering real property.
Borrower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of,
and interest on, the debt evidenced by the Note and late charges due under the Note.
2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each
monthly payment, together with the principal and interest a,> set forth in the Note and any late charges, a sum for
(a) taxes and special a,>sessment'> levied or to be levied against the Property, (b) leasehold payment,> or ground
rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the
Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development
("Secretary"), or in any year in which such premium would have been required if Lender sti1l held the Security
Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance
premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance
premium if this Security Instrument is held by the Secretary, in a reasonable amount to be detennined by the
Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums
paid to Lender are ca1led "Escrow Funds."
Lender may, at any time, collect and hold amount" 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 2601 et seq. and implementing regulations, 24 CPR Part 3500,
a" they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA
for unanticipated disbursement,> or disbursement,> before the Borrower's payment,> are available in the account
may not be based on amounts due for the mortgage insurance premium.
If the amounts held by Lender for Escrow Items exceed the amount,> 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 when due, Lender may notify the Borrower and
require Borrower to make up the shortage a" 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 insta1lment items (a), (b), and (c) and any mortgage insurance premium installment that
Lender ha" 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
account shall be credited with any balance remaining for all installments for items (a), (b), and (c).
3. Application of Payments. All payment,> under paragraphs 1 and 2 shall be applied by Lender
a,> follows:
First, 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 premium;
Second, to any taxes, special assessment,>, leasehold payment,> or ground rents, and fire, flood and other
hazard insurance premiums, as required;
Third, to interest due under the Note;
Fourth, to amortization of the principal of the Note; and
Fifth, to late charges due under the Note.
4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property,
whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including
fire, for which Lender requires insurance. This insurance shall be maintained in the amount,> and for the periods
that Lender requires. Borrower sha1l also insure all improvement,> on the Property, whether now in existence
or subsequently erected, against loss by flood" to the extent required by the Secretary. 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 acceptable to, Lender,
MERS FHA Mortgage-WY
2004N-WY (11/07)
Page 2 of 6
è00483
CASE #: WY5911040260703
DOC ID #: 00019346895406008
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 proceed<; 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 amount<; 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 payment<;, 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.
In the event of foreclosure of this Security Instrument or other transfer of title to the Property that
extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall
pass to the purchaser,
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan
Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale
or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for
at least one year after 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 to deteriorate, reasonable wear and 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 if Borrower, during the loan application process, gave materially false or inaccurate
information 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 Security Instrument is on a leasehold, Borrower shall
comply with the provisions of the lea<;e. If Borrower acquires fee title to the Property, the leasehold and fee title
shall not be merged unless Lender agrees to the merger in writing.
6. Condemnation. The proceeds of any award 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 a<;signed and shall be paid to Lender to the extent of the full amount of the
indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds
to the reduction of the indebtedness under the Note and this Security Instrument, first to any 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 payment<;, which are referred
to in paragraph 2, or change the amount of such payments. Any excess 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.
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all
governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall
pay these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely
affect 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 payment<; required by paragraph 2, or fails to perform any
other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may
significantly affect Lender's right<; in the Property (such a<; a proceeding in bankruptcy, for condemnation or to
enforce laws or regulations), then Lender may do and pay whatever is necessary to 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 amount<; disbursed by Lender under this paragraph shall become an additional debt of Borrower and
be secured by this Security Instrument. These amount<; 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) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender; (b) contest<; in good faith the lien by, or defends against enforcement of the lien in, legal proceedings
which in the Lender's opinion operate to prevent the enforctment of the lien; or (c) secures from the holder of the
lien an agreement satisfactory to Lender subordinating the ien to this Security Instrument. If Lender determines
that any part of the Property is subject to a lien whic may attain priority over this Security Instrument,
Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more
of the actions set forth above within 10 days of the giving 0 notice.
8. Fees. Lender may collect fees and charges auth rized by the Secretary.
9. Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary, in the ca<;e
of payment defaults, require immediate pay ent in full of all sums secured by this Security
Instrument if:
(i) Borrower defaults by failing to pay i~ full any monthly payment required by this Security
MERS FHA Mertg::n, prio, to 0' on the dne date of \hi next monthJy payment, m
2004N-WY (11/07) Page 3 of 6
000484
CASE #: WY5911040260703
DOC ID #: 00019346895406008
Oi) Borrower defaults by fai1ing, for a period of thirty days, to perfonn any other obligations
contained in this Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section
341(d) of the Garn-St. Gennain Depository Institutions Act of 1982, 12 U,S.C. 1701j-3(d» and with
the prior approval of the Secretary, require immediate payment in full of all swns secured by this
Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the
Property, is sold or otherwise transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence,
or the purcha<¡er or grantee does so occupy the Property but his or her credit ha<¡ not been
approved in accordance with the requirements of the Secretary,
(c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in
full, but Lender does not require such payment'), Lender does not waive its rights with respect
to subsequent event').
(d) Regulations of BUD Secretary. In many circwnstances regulations issued by the Secretary
will limit Lender's right'), in the case of payment defaults, to require immediate payment in full and
foreclose if not paid, This Security Instrument does not authorize acceleration or foreclosure if not
permitted by regulations of the Secretary.
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not
determined to be eligible for insurance under the National Housing Act within 60 days from the date
hereof, Lender may, at its option, require immediate payment in full of all swns secured by this
Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent
to 60 days from the date hereof, declining to insure this Security Instrument 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 premiwn to the Secretary.
10. Reinstatement. Borrower has a right to be reinstated if Lender ha') required immediate payment in
full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right
applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall
tender in a lwnp 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 and rèa')onable and customary
attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement
by Borrower, this Security Instrument and 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
ha') 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 affect the priority of the lien created by
this Security Instrument.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment
or modification of amortization of the sums secured by this Security Instrument granted by Lender to any
successor in interest of Borrower shall not operate to relea')e the liability of the original Borrower or Borrower's
successor in interest. Lender shall not be required to commence proceedings against any successor in interest or
refuse to extend time for payment or otherwise modify amortization of the swns secured by this Security
Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest.
Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise
of any right or remedy.
12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenant') and
agreement') of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower,
subject to the provisions of paragraph 9(b). Borrower's covenant') and agreements shall be joint and 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 and convey that Borrower's interest in the Property under the terms
of this Security Instrument; (b) is not personally obligated to pay the swns secured by this Security Instrument;
and (c) agrees that Lender and 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 shall be
directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice
to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by
notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given
to Borrower or Lender when given as provided in this paragraph.
14. Governing Law; Severability. This Security Instrument shall be governed by Pederallaw 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 conflict') 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, 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 and of this Security
Instrument.
MERS FHA Mortgage-WY
2004N-WY (11/07)
Page 4 of 6
êO\i485
CASE #: WY5911040260703
DOC ID #: 00019346895406008
16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage,
or relea~e of any Hazardous Substances on or in the 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 small quantities 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 and any Hazardous
Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by
any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substances
affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance
with Environmental Law.
As used in this paragraph 16, "Hazardous Substances" are those substances defined a~ toxic or hazardous
substances by Environmental Law and the following substances: ga~oline, kerosene, other flammable or toxic
petroleum product~, toxic pesticides and herbicides, volatile solvent~, materials containing a~bestos
or formaldehyde, and radioactive materials. A~ used in tills 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 a~ follows:
17. Assignment of Rents. To the extent pennitted by applicable law, Borrower unconditionally a~signs
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 direct~ each tenant of the Property to pay the rent~ to Lender
or Lender's agent~. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or
agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as
trustee for the benefit of Lender and Borrower. This a~signment of rent~ constitutes an absolute assignment and
not an a~signment 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 shall
pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant.
Borrower ha~ not executed any prior assignment of the rent~ and ha~ not and will not perform any act that
would prevent Lender from exercising it~ right~ under this paragraph 17.
Lender shall 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 judicially appointed receiver may do so at any time there is
a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of
Lender. This assignment of rents of the Property shall tenninate when the debt secured by the Security
Instrument is paid in full.
18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9,
Lender may invoke the power of sale and any other remedies permitted by applicable 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 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 paragraph 13. 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.
If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary
requires immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power
of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et seq.) by
requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the
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 Paragraph 18 or applicable law.
19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall relea~e this
Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for relea~ing
this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the
fee is permitted under applicable law.
20. Waivers. Borrower waives all right~ of homestead exemption in the Property and relinquishes all
rights of curtesy and dower in the Property.
MERS FHA Mortgage-WY
2004N-WY (11/07)
Page 5 of 6
000486
CASE #: WY5911040260703
DOC ID #: 00019346895406008
21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded
together with this Security Instrument, the covenanL~ of each such rider shall be incorporated into and shall
amend and supplement the covenants and agreemenL~ of this Security Instrument as if the rider(s) were a part of
this Security Instrument. [Check applicable box(es)],
D Condominium Rider D Growing Equity Rider D Other [specify]
o Planned Unit Development Rider 0 Graduated Payment Rider
BY SIGNING BELOW, Borrower accepL~ and agrees to the terms contained in this Security Instrument
and ;n any rider(s) menled by Bnrrower and recorded wilh h. I i
b~&£JAL (seW)
DERRICK L. MCCASLIN -Borrower
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
STATE OF WYOMING,
1!)e for~goi:'1g instrument was a~knowledged before me this _l çd.3-/ 0 C¿
by PI('C/ elL. LM ('('_¿t~,.t ( fì
County ss: Gné ò l V)
My Commission Expires:
AMY GUEAR - NOTARY PUBLIC
COUNTY OF
LINCOLN STATE OF
WYOMING
MY COMMISSION EXPIRES 1/31/2010
MERS FHA Mortgage-WY
2004N-WY (11/07)
Page 6 of 6
Prepared by: MICHELLE SALAS
COUNTRYWIDE BANK, FSB
è00487
DATE: 06/03/2008
CASE #: WY5911 0402 60703
DOC ID #: 193468954
BORROWER: DERRICK L. MCCASLIN
PROPERTY ADDRESS: 445 COUNTY RD 129
GROVER, WY 83122-____
Office #: 0000567
3806 DELL RANGE BLVD. UNIT B-9
CHEYENNE, WY 82009.
Phone: (307) 632-.0194
Office Fax No.: (307) 632-1874
--- ..-----
LEGAL DESCRIPTION EXHIBIT A
..--.. -..----.---.- .._--~_._-----,~.
Exhibit A
File 6010816753 Description
-~,-
The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
That part of the Northeast Quarter of the Southeast Quarter of Section 32, Townsmp33 North
Range 118 West of the 6th P.M., Lincoln County, Wyoming being part of that tract of record in
the office ofthe Clerk of Lincoln County in Book 401PR, page 218, described as follows:
Beginning at a spike, South 00°08'00" East, 107.89 from the Northeast corner of said Northeast
Quarter of the Southeast Quarter;
thence South 89°57'58" West, 384.19 feet to a point on the Westerly line of said tract;
thence coursing along said Westerly line'as follows:
South 37°09'22" East, 23.83 feet to a point;
South 27°30'41" East, 86.65 feet to a point;
South 43°45'24" East, 281.01 feet to a point;
South 58°11'11" East, 133.24 feet toa point on the Westerly right of way line ofthe
Grover North County Road No. 12-129;
thence continuing South 58°11'11" East, 27.18 feet, to a spike on the East line of said
Northeast Quarter of the Southeast Quarter, identical with the Southerly most point of said
tract;
thence North 00°08'00" West, 383.61 feet, along said East line, to the Spike of Beginning.
FHA/V NCONV
· Legal Description Exhibit A
1 C404-XX (04/03}(d)
*23991*
. 1 934 6