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HomeMy WebLinkAbout940314 6010816925 After Recording Return To: BANK OF :tDABO 189 N. MAIN, SUITE 115 DRIGGS, :tD 63422 (208) 354-5580 ATTN:BAmt OF IDAHO RECEIVED 7/3/2008 at 4:09 PM RECEIVING # 940314 BOOK: 699 PAGE: 260 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Prepared By; 000260 BANK OF IDAHO 189 N. MAIN, SUITE 115 I>RIGGS, II> 83422 (208) 354-5580 ISp8C~ AbQvt This Une For Recording Data] MORTGAGE FHA Case No. 591-1045881-703 MBS $:teJ; Loan II: 708023 PIN: MIN:l00223100D07080234 THIS MORTGAGE ("Security Instrument") is given on JULY: 2, 2008. The Mortgagor lS De1aun T. HBssick' and Polly A. Messick, Husbànd and Wife ("Borrower"). This Security Instrument is given to Mortgage Electronic RegistratIOn Systems, Inc. ("MERS") (solely as nomInee for Lender, as herell1after defined, and Lender's Successors and assigns), as beneficiary. MERS is organIzed and existing under the laws of Delaware, and bas an address and telephone number of P.O. Box 2026, Flint, Ml48S0 l-2026, tel. (888) 679-MERS. BANK OJ? IDAHO, which is organized and exlstmg under the laws of IDAHO, and whose address is 189 N. MAIN, SUI~K llS, DRJ:GGS, ID 83422 ("Lender"). Borrower owes Lender the prinCipal sum of'l'WO HUNDRED FIFTY: _ ONE THOUSÂND FOUR HUNDRED PIFTEEN AND 00/100 DoJIars (U.S. $251,4J.5. 00). TlUs debt is evidenced by Borrower's note dated the same date !IS this Security Instrument ("Note"), which proVIdes for monthly pa.yments, with the full debt, if not paid carHer, due and payable on AUGUST 1, 2039. This Security Instrument secures to LeDder: (a) the repayment of the debt evidenced by the Note, with interest. and all renewa.ls, extensions and modifications of the Note; (b) the payment of all othe~ sums, with ÏDterest, advanced under paragraph 7 to protect the security of this Security Instrument; and (ç) the perfonnance of Borrower's covenants and agreements under this Se¢urity In51roment and the Note. For this pUIpose, 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 asSigns of MERS, with power of sale, the fOllowmg described property located in LINCOLN County, Wyoming; Lot 11 Block 2 of Lincoln Heights Subdivision, Lincoln County, WYomdng as described on the official plat filed on October 11, 1960 as Instrument No. 356535 of the recQrds of the Lincoln County Clerk which has the address of 903 SAPPHIRE COURT, KEMMERER, NY 83101 ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter 8 part of the property. All replacements and additions shall also be covered by this Security InStrument. All of tho foregoing is referred to In thìs Security Instrument as the "Property." BOlTower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Secunty Instrument; but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's SUCcessors and assigns) bas the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take aDY ~ 413.24 Page I of1 FHA Wyoming Deed of Trust ,--------.... ".!L 000261. 709023 actjon required of Lender including, but not limited to, releasing or ClInceling this Security ln~trumenl BORROWER COVENANTS that Borrower I~ lawfully seised of the estate hereby conveyed and has the nght to mortgage, grant and convey ilie Property and iliat the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property agamst all claims and demands, subject to any encumbrances of record. TIllS SECURlTY INSTRUMENT combines unifonn covenants for national USe and non-unifonn covenants with limited variations by jUrisdiction to constitute a unifoWl SOCur1ty instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment ofPrinçjpal, 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 shaJl include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and specIal assessments levied or to be levied against the Property, (b) leasehQld payments 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 msurance premium to the Secretary of Housing and Urban Development ("Secretary"), or In any year in which such premium would have been required if Lender stili held the Secunty Instrument, each monthly payment sball also include either: (í) a sum for ilie annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge Instead of a mortgage Insurance premlWTI If this Security Instrument is held by tbe Secretary, in a reasonable amount to be detenníned by the Secretary. Except for the monthly charge by the Secretary, these Items are called "Escrow Items" and tbe SUffi5 paid to Lender arc ca.lIed "Escrow Funds." Lender may, at ¡my time, collect and hold amounts for Escrow Items In an a.ggregate 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, ]2 U.S.C. Section 2601 er seq. and implementing regulations, 24 CFR Part 3500, lIS 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 Dot be based on amounts due fbr the mortgage insurance premIum. If the amounts held by Lender for Escrow Items exceed the amounts pemlltted to be held by RESPA, Lender shall account to Borrower tor the eXcess funds as required by RESPA. If the amounts of funds held by Lender at any tÍlne are not sufficient to pay the Escrow Items when 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 Secunty Instrument, If Borrower tenders to Lender the full payment of all such sums, BQrrower's account shall be credited with the balance rernaimng for all inslallment Items (a), (b), and (c) and any mortgage Insurance premium Installment that Lender h¡¡s not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately pnor to a foreclosure sale of the Property or Its acquIsition by Lender, BQrrower's account shall be credited with any balance remaming for all installments for Items (a), (b), and (c). 3. Application of Payments. All payments under Paragraphs 1 and 2 shall be applied by Lenderas follows: Fint, 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 assessments, leasehold payments 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 shan insure all Improvements on the Property, whether now in existence or subsequently erected, agamst any hazards, casualties, and contingencies, including fire, for which Lender requires Insurance. This msurance shall be mamtained 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, agamst loss by floods to the extent required by ~ 413.24 Page 2 of7 FHA WY0{llIQg Deed of Trust 000262 70aon the Secretary. All insurance shall be carned with companies approved by Lender. The insw-ance policies and any renewals shaU be held by Lender and shall include loss payable clauses in favor of, and in 8 foon acceptable to, Lender. In the event of loss, Borrower shall give Lender Immediate notice by mail. Lender may make proof of loss if nqt 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 reductlon of the indebtedness W1der the Note and this Security Instrument, first to any deJinquent amolUlts applied in the order in Paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damoged Property. Any application of the proceeds to the princIpal shaH not extend or postpone the due date of the monthly paymer\ts which are referred to in Paragraph 2, or change the amount of such payments. Any excess Ißsurance proceeds over an amount required to pay aJI outstanding indebtedness under the Note and this Security Instrument shall be paid to the entl1y legally entitled thereto. In the event of foreclosure of this Secunty Instrument or other transfer of title to the Property that extinguishes the mdebtedness, 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 sha1J occupy, establish, and use the Property as Borrower's prmclpal resIdence within sixty days after the execution of this SecurIty Instrument (or wIthin sIxty days of a later saJe or transfer of the Property) and shall contmue to occupy the Property as Borrower's principal residence for at least ooe year after the date of occupancy, unless Lender determines that requirement wíll 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 detenorate, reasonable wear and tear excepted. Lender may inspect tbe Property If the Property is vacant or abandoned or the loan IS in default. LeIJder may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower &hajj aJso be an default if Borrower, during the loan applicatIon process, gave materially false or inaccurate infoonatIon or statements to Lender (or fuiled to provide Lcnder with any material infonnatiQn) In connection WIth the loan evidenced by the Note, including, but Dot limIted to, representations concerning Borrower's occupancy of the Property as a princIpal reSldence. If this Security Instrument is on a leasehold, Borrower shall comply WIth the provision of the lease. If Borrower acquires fee title to tbe Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger Iß writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, In connection with any condenmation or other taking of any part of the Property, or for conveyance In place of condemnation, are hereby assigned and shaJI be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Secunty Instrument. Lender shall apply such proceeds 10 the reduction of tbe indebtedness under the Note and this Secw-ity Instrument, first to any delinquent al11Qunts applied in the order provided in Paragraph 3, and then to prepayment of principal. ADy application of tbe proceeds .to the principal shall not extend or postpone the due date of the montbly payments, which are referred to in Paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay aU outstanding indebtedness under the Note and this $ecuoty Instrument shall be paid to the entity JegaJly entitled thereto. 7. Charges to Borrower and Protection of Lender's Rigbts in the Property. Borrower shaH pay all governmental or munIcipal charges, fines md impositions that are not Included in Paragraph 2. Borrower shall pay these obligations on time directly to the entity which IS owed the payment. If failure to pay would adversely affect Lender's mterest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments requIred by Paragraph 2, or fails to perfoon any other covenants and agreements contained in this Secwity Instrument, or there is a legal proceeding that may significantly affect Lender's rights in fue Prope:rty (such as a proceeding ID bankruptcy, for condemnatIon or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property BDd Lender's rights in tbe Property, Including payment of taxes, hazard insurance and other items mentioned in Paragraph 2. ei::' 413.24 Pa~e 3 0'7 FHA Wyoming Deed of Tru$t ......,-_. 000263 708023 An-y amounts disbursed by Lender under this Pllragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement at tbe Note rate, aDd at the option of Lender shall be Immedia.tely due and payable. Borrower shaH promptly discbarge any lien which has priority over this Sc:curity Instrument unless Borrower: (a) agrees in wnting to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good tàith tbe lien by, or defends against 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 the lien an agreement satisfactory to Lender subordinatmg the lien to this Security Instrument. [f Lender determmes that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Bouower a notIce identifying the lien. Borrower shalJ satìsfy the lien or take one or mare oftbe actions set fonh above within 10 days of the giving of nonce. 8. Fees, Lender may collect fee:¡ and charges authorized by the Secretary. 9. Grounds for AccelerlltilJß of Debt. (0) Default. Lender may, except as limited by regulations issued by the Secretary m the case of payment defaults, require inunediate payment lU full of aJJ sums secured by this Security lnstrumeo.( If: (i) Borrower defaults by failing to pay in full MY monthly payment reqwred by this Security Instrument prior to or on the due dale of the next monthly payment, or (ii) Borrower defaults by failing, for a penod of thirty days, to perform any other obligations contained it! this Security lnstrwnent. (b) Sale Witbout Credit Approval. Lender shall, if penmtted by applicable law (including seetlon 341(d) of the Gem-St Germam 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 sums secured by this Security loslrument 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 transfeued (other thM by devise or descent) and (iì) The Property is not occupied by the purchaser or grantee as bis or her principal residence, or tbe purchaser or grantee does so occupy tbe Property but his or her credit has not been approved in accordance with the requirements of tbe Secretary. (c) No Waiver.lfcircumstMces occur that would pernllt Lender to require l.I11.tnediate payment In full, but Lender does not require such payments, Lender does not waive Its nghts with respect to subsequent events. (d) Regulations of MUD S&retar)'. In many circumstances J.'egulatíons issued by the Secretary will limit Lender's rights in the case of payment defaults, tG require IInmediate payment in full and foreclose if not paid. This Secunty Instro.ment does not authorize acceleration or foreclosure if not pennitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees Ü1at sbould this Security Instrument and the Note are not to be eligible for insurance under tbe National Housing Act wIthin 60 days from. the date hereof, Lender may, at lis optIOn, requITe immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated S'IIbsequent to 60 day¡ from the date hereof, declining to lOsure tbis SecurIty Instrument and the Note shaH be deemed conclusive proof of such ineligIbility. Notwithstanding the foregoing, this option muy not be exercIsed by Lender when the unavailability of insurance IS !>olely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a. nght to be reinstated jf Lender has 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 remstate the Security Instrument. Borrower shall tender In a lump sum all amounts required to bring Borrower's account current mcluding, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attomey's fees and expenses properly associated with the foreclosure proceeding. Upon <e.;> 413.24 Paic4or7 FHA Wyoming Deed of Trust f""---' 000264 70&023 reinstatement by Borrower, this Secunty Il1Strum~nt and the obligations that it secures shall remain in effect as if Lender had not required immedia~ payment in full. However, Lender is not requIred to pel11Ùt reinstatement if: (i) Lender has accepted reÎnstatement 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 ofthe lien created by this Security Instrument. 11. Borrj)wer Not Release; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by Ibis Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shalJ not be requIred to commence proceedings aga.¡ng1 any successor in mterest or refuse to extend time for payment or otherwISe modify amortization of the sums 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 nght or remedy shall not be a waIver of or preclude the exercIse of any nght or remedy. 12. Successors and Assigns Bound; Joint and Several LiaÞility; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit the suçcessors and assigns of Lender and Borrower, subject to the provIsions of Paragraph 9(b). Borrower's covenants and agreements shall be jomt and several. Any Borrower who co-signs this Security lnstrument but does not eXecute the Note: (a) is co- signing Ihis Security Instrument only to mortgage, grant and convey that Borrower's mterest in the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay !be sums secured by this Secunty InstrUtnent; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbea.r or mlÙce II1lY 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 1D this Security Instrument shall be given by delívering it or by mailing It by first c.lass 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 mall to Lender's address stated herem or any IIddre~s Len~er 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 paragrapb. 14. Governing Law; Severability. This Security lnslrument shall be governed by Federal law and the law of the junsdiction in which the Property IS located. In the event that any provIsion or clause of this Secunty Instrument or the Notc conflicts with applicable law, such conflict shaJl not affect other provisions of this Security Instrument or the N ole which <.:an be gIven effect without the conflicllng provision. To this end the provISions of this Secunty Instrument and tbe Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one confonned copy of the Note and of this Security Instrument. 16. Hazardous Substances. Borrower shaJl not cause or pennit tbe presence, Ul>e, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor aHow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The precedìng two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generaJIy recogmzed to be appropríate to nonnal resIdential uses and to maintenance of Property. Borrower shaH promptly give Lender written nonce of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party Involvmg the Property and 3ny Hazardou5 Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any goverrunental 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 Wtth EnvIronmental Law. As used in this paragraph 16, I'Hazardous Substances" are those substances defined as tOXIC or hazardouS substances by Envlrorunental Law and the following substances: gasoline, kerosene, otbcr flammable or toxic petroleum products, tOXIC pesticides and herbicides, volatile solvents, materials containIng asbestos or formaldehyde, and radioactive matenals. As used in this paragraph 16, "Envirorunental Law" means federal Jaws and laws of the Jurisdiction where the Proplmy IS located thl1\ relate e;> 413.24 Page S of7 FHA Wyomhlg Deed of Trusl 000265 708023 to health, safety or environmental protectlon. NON-UNIFORM COVENANTS, Borrower and Lender furthcr covenant and agree as follows: 17. Assignment of Rents. Borrower unconctitiooally 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 Leuder or Lender's agents. However, pnor to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the SecurJly Instrument, Borrower shall collecT and receIve a]J rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an absolute asslgrunent and not an asslgrunent for addítionalliecurity 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 shaJl 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 l.¢nder's agent on Lender's written demand to the tenant. Borrower has not executed any pllor 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 shall not be n:guired to enter upon, takc conb:ol of or maintain the Property before or after glvÌrtg nouce of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any tim.e Ihere is a breach. Any application of rents shalJ not cure or waIVe any default or mvalidate any other nght or remedy of Lender. This assignment of rents of the Property shall tenninate when the debt :>e.cured by the Security Instrument is paId in full. J8. Foreclosure Procedure: If Lender requites immediate payment in fu1l under Paragraph 9, Lender may foreclose this S~urity Instrument either by advertisement and sale of the Property as provided by statute (the power of 5<11e provided for by statute being hereby expressly granted to Lender by Borrower) or by an action in equity, and may invoke ariy other remedies permitted by applicable law. Lender shall be entitled to collect all expenses Incun-ed in pursuíng the remedies provided in this paragraph 18, mcluding, but not limited to, reasonable attorney's fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notl~e of intent to foreclose to Borrower and to the person m P05SeSS¡On of the Property, if different, in accordance WIth applicable Jaw. Lender shall give notice of its intent to foreclose to Borrower m 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 tbe Property at any sale. The proceeds of the sale sho']l be applied in the following order: (a) to all e"penses of tbe sale, including, but not limned to, reasonable attorney's fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to II. If the Lender's interest In this Secunty Instrument IS held by the Secretary and the Secretary requires lmmedíate payment In full under Paragraph 9, the Secretary may invoke the nonjudicial power of saJe provided in the Single Family Mortgage Foreclosure Act of 1994 (nAct") (12 U.S.C. 3751 ef 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 depnve the Secretary of any rights otherwise available 10 a Lender under this Paragraph] 8 or applicable law. 19, Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument to Borrower. Borrower shall pay any recordation costs. Lender may charge BOlTower 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 tbe fee is permitted uoder applicable law. 20. Waivers. Borrower hereby releases and waives an nghts in the Property under and by virtue of the homestead exemption laws of the State of Wyommg and hereby relinquishes all rights of curtsey and dower in the Property. 21. Riders tQ this Security Instrument. If one or more riders are executed by Bon-ower and recorded together with trus Security Instrument, the covenants and agreements of each such nder shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as ¡fthe rider(s) were a part of this Security Instrument. ~ 413.24 Page (} on FHA Wyoming Deed of Trust OOO~66 708023 The Following Rider(s) are to be executed by Borrower and are attached hereto and made a part thereof [check box as applicable]; o Condominium Rider o PllU1Ded Unit Development Rider o Other(s) (spec¡fy) o Growing Equity Rider o Graduated Payment Rider o Adjustable Rate Rider BY SIGNING BELOW, BOlTower accepts and agrees to the tenns and covenants contained in tbis ty Instrument and in any nder(s) executed by Borrower Bnd recorded wIth II. .......--:, 7-J.-2~ ·BORROW~R·Delaun ~. Messick - DATE _ P,~ a 1h 'M11;k~ 7-;;;' ~6g -BORROWER Polly A. Mess1ck - DAT~ _ [Space Below This Line For Acknowlodgmenl] STATE OF Wyoming COUNTY OF Lincoln The foregQlllg IDstr].lrnent was acknowledged before me( on July 2, 2008 by Delaun T. Messick and Polly A. Messick, Husband and Wite COUNTY OF LINCOLN STATE OF WYOMING rÆ~~ Notary PubJic LORI KALAN - NOTARY PUBLIC My Commission Expires Feb. 26, 2011 -"f<1.....,~~~ My CommissIOn ExpIres: 02/26/2011 ~ 4]).24 Page 7 of7 FHA Wyoming Deed ofTr!lrt ¡---.,