HomeMy WebLinkAbout940983
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6010816972
After Recording Return To:
ALLIANCE TITLE AND ESCROW OF WYOMING,
LLC
71 US 30 NORTH
RECEIVED 8/1/2008 at 4:23 PM
RECEIVING # 940983
BOOK: 701 PAGE: 413
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
KEMMERER, WY 83101
000413
¡Spuce Abuve TW. Line Fur Recurding Dutul
MORTGAGE
FHA CASE NO.
591-1049072-703
NUN: 100029500027568942
1HIS MORTGAGE ("Security Instrument") is given on August 01, 2008
The mortgagor is MARTIN JESæWESTON, A Married Man as his Sole and Separate Property
("Borrower"). This Security Instrument is given to
Mortgage Electronic Registration Systems, Inc. ("MERS"). MERS is a separate corporation that is acting solely as nominee
for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. 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. Taylor, Bean & Whitaker Mortgage Corp,
under the laws of FL
has an address of 1417 North Magnolia Ave, Ocala, FL 34475
("Lender") is organized and existing
, and
Borrower owes Lender the principal sum of One Hundred Forty Seven Thousand Six Hundred Eighty Two and
no/100 Dollars (U.S. $147,682.00 ).
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, ifnot paid earlier, due and payable on September 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 moditìcations of the Note; (h) the payment of all other sums, with interest. advanced under paragraph
7 to protect the security of this Security Instrument; and (c) the perfonnance of Borrower's covenants and agreements under
this Security Instrument and the Note. For this purpose, Borrower does herehy 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
following described property located in Lincoln County, Wyoming:
WYOMING FHA MORTGAGE
6/96
~~:ST2910L 1 (0709) II111111111111111111111111111111 1111111111111111111111111111111111111111111
"0242052756894"
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(Page 1 of 7)
T2910_20071108.100000
/JJzJ
See Attached Exhibit A.
00041.4
which has the address of
COKEVILLE
[City]
, Wyoming
113 WESTWARD DRIVE
[Street]
83114
[Zip Code]
("Property Address");
TOGETHER WITH all the improvements now or hereafter erected on tlle 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 ill tllis Security IJlStrument as the "Property." Borrower understands and agrees
that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply
with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has 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 any action required of
Lender including, but not limited to, releasing or canceling this Security Instrument.
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 w1Ìform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a Wliform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
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 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) leasehold payments or groWld 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 still held the Security Instrument, each month]y payment shall also include either: (i) a sum for
the aIlHual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage
insurance premiwn if this Security Instrument is held by the Scçretary, in a reasonable amount to be detennined by the
Secretary. Except for the monthly charge by the Secre!<lry, tilese items arc called "Escrow Items" and the sums paid to
Lender are called "Escrow FWlds."
Lender may, at any time, coHect and hold éU1lounts for Escrow Items in an aggregate amount not to exceed the
maximum amount that may be required for Borrower's escrow accoWlt under the Rea] Estate Settlement Procedures Act of
1974,12 U.S.C. § 2601 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 pennitted by RESPA for Wlanticipated 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 amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESP A, Lender shall
account to Borrower for the excess fWlds 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
as permitted by RESPA.
WYOMING FHA MORTGAGE
MERS
ITEM T29 1 0L2 (0709)
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(Pag. 2 of 7)
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C00415
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 ,my mortgage insurance premium installment that Lender has not become obligated to
pay to the Secretary, and Lender shall promptly refwld any exCt:ss funds to Borrower. Inlmediately 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 payments under paragraphs I and 2 shall be applied by Lender as follows:
FIRST, to the mortgage insurance premium to be paid by Lender to the Secretary or to the montWy charge by
the Secretary instead of the montWy mortgage insurance premium;
SECOND, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other
hazard insurance premiums, as required;
llilRD, 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 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 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 fonn acceptable 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 amowlts applied in tlle order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair
of the damaged Property. Any application 0 f 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.
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.
S, 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 ofa 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
detennines 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 infonnation) 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 lease. 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 assigned
and shall be paid to Lender to the extent of the full amount 0 f the indebtedness that remains unpaid under the Note and this
Security Instrument. Lender shall apply such proceeds to tlle reduction of the indebtedness under the Note and this Security
Instrument, tìrst to any delinquent amowlts 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 0 f the monthly payments, which are
referred to in paragraph 2, or ch,mge 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.
WYOMING FHA MORTGAGE
MERS
ITEM T2910L3 (0709)
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(Pag. 3 on)
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(:00416
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 payments 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 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 to protect the value of the Property and Lender's rights in the Property,
including payment of taxes, hazard insurance and otller items mentioned in paragraph 2.
Any amounts disbursed by Lender under this paragraph shaJ] become an additional debt of Borrower and be secured by
this Security Instrument. These amounts shall bear interest !Tom the datt: o I' disbursement at the Note ratt:, 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) contests 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
enforcement of the lien; or (c) secures trom tlle 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 may attain priority
over tllis 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 of notice.
8. Fees. Lender may collect fees and charges authorized by the Secretary.
9, Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary in tlle case of payment defaults,
require immediate payment in full of all sums secured by this Security Instrument if;
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior
to or on the due date of the next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perform 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. Germain Depository Institutions Act of 1982, 12 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 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 transtèrred (other them by dt:vise or descent), and
(ii) The Property is not occupied by tlle purchaser or gnmtee as his or her principal residence, or the purchaser
or grantee does so occupy tlle Property. but his or her credit has not been approved in accordance with the
requirements of the Secretary.
(c) No Waiver. If circumstances occur tllat would pernlit Lender 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 ofHUD 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 full and foreclose if not paid. This
Security Instrument does not authorize acceleration or foreclosure ifnot permitted by regulations of the Secretary.
(e) Mortgage Not Insured, Borrower agrees that iftllis Security Instrument and the Note are not determined to be
eligible for insurance under the National Housing Act within eight months
trom 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 any authorized agent of the Secretary dated subsequent to
eight months trom 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 tlle 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 faiiure 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 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 and reasonable 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
WYOMING FHA MORTGAGE
MERS
ITEM T2g1 OL4 (070g)
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(Page 4 of 7)
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0004~7
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 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 release the liability of the original Borrower or Borrower's successors 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 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 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 covenants and agreements 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 covenants 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 sums
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 tlle tenns 0 r tllis 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 w hen given as provided in this paragraph.
14, Governing Law; Severability, 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, 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.
IS, Borrower's Copy, Borrower shall be given one confonned copy of the Note and of this Security Instrument.
16, Hazardous Substances. Borrower shall not cause or pennit the presence, use, disposal, storage, or release 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 nonnal
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 defmed as toxic or hazardous substances by
Environmental Law and tile following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldehyde, and radioactive materials. As used
in this paragraph 16, "Environmental Law" means federal laws and laws of tlle 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 follows:
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 shall collect 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.
WYOMING FHA MORTGAGE
MERS
ITEM T2910L5 (0709)
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(Psg. 5 on)
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C0041.8
If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for
benetìt of Lender only, to be applied to the SlUnS 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 has not executed any prior assignment of the rents and has not and will not perform any act that would
prevent Lender trom exercising its rights under tiÚs 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 pennitted 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 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 tile sale, including, but not limited to, reasonable attorneys' fees; (b) to
all sums secured by this Security InstrlUnent; 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 tile 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 SlUnS secured by tilis Security Instrument. Lender shall release this Security
Instrument. Borrower shall pay any recordation costs. Lender may charg.e Borrower a fee tòr releasing this Security Instrument,
but only if the tee is paid to a third party for services rendered and the charging of the fee is pennitted under applicable law.
20. Waivers. Borrower releases and waives all rig.hts under and by virtue of tile homestead exemption laws of Wyoming.
21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with
this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the
covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument.
[Check applicable box(es)].
D Condominium Rider
D Graduated Payment Rider
D Adjustable Rate Rider
D Growing Equity Rider
D Rehabilitation Loan Rider
D Planned Unit Development Rider
D Non-Owner Occupancy Rider
D Other [Specify]
WYOMING FHA MORTGAGE
MERS
ITEM T2910L6 (0709)
Gr..tOocs rM
(Peg. 6 of 7)
/Pi/tv
00041.9
BY SIGNING BELOW, Borrower accepts and agrees to the tenns contained in pages 1 through 7 of this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
/!~ ¿J-(ÁAþ. ßkti:;:,¡) &(~ f- WeJ:ffln
MARTIN ~WESTON -Boffi)wer Y
JËSBE
(Seal)
-Boffi)wer
(Seal) (Seal)
-Bom,wer -Boffi)wer
~~ ~~
-Boffi)wer -Borrower
Witness: Witness:
State of Wyoming )
) ss
County of Lincoln )
The foregoing instrument was acknowledged before Int: by Martin Jesse Weston and Lea Kae R.
Weston.
Sf
this / - day of August J 2008.
Witness my hand and official seal.
COUNTY :)f
LiNCOLrI
cß? ~No.ry~bli'
,.~~
LORI KALAN - NOTARY PUBLIC
STATE OF
WYOMING
. ¡,Iv (,·¡'mli¡slon Expires Feb. 26, 2011
~....,j,)o.~I"·O' r:"·'~'-d'þ...~
My commission expires: ð.;¿Þ~Þ.tJ II
WYOMING FHA MORTGAGE
MERS
ITEM T291 OL7 (0709)
Gr..tOocs 'M
// 7i7f71
Exhibit A
File 6010816972 Description
C00420
The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
A portion of Lot 6 of the Taylor Fifth Subdivision as filed and platted in the Lincoln County
Clerk's Office in Kemmerer, WyoßÚng, to-wit:
The Point of Beginning beingthe Northeast corner of said Lot 6 (said point also being the
Northwest corner on Lot 10 of said subdivision), thence South 00°43' West, 286 feet;
thence North 89°49' West, 175 feet;
thence North 00°43' East, 328 feet, more or less, to the North boundary line of said Lot 6;
thence along the North boundary line of said Lot 6, to the Point of Beginning,
ALSO, a portion of Lot 10 ofthe Taylor Fifth Subdivision, Lincoln County, WyoßÙng being
described as follows:
Commencing at the Northwest corner of said Lot 10, wlúch is located in the center line of the
Westward Drive; thence South 53016' East, 45 feet to the Point of Beginning;
thence North 53°16' West, 45 feet;
thence South 00043' West, 194,06 feet;
thence in a straight line to the Point of Beginning,
;n;71V