HomeMy WebLinkAbout943428
When recorded return to:
LPS - North Recording Division
5039 Dudley Blvd l{ ~ 1 0 ~ D I
McClellan, CA 95652
(800) 964-3524
Prepared By:
NICK HANKS
RECEIVED 11/5/2008 at 2:25 PM
RECEIVING # 943428
BOOK: 708 PAGE: 556
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
(:06556
'nlÇF I [Space Above This Line For Recording Data]
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WY5911061385703 4970501
[Case #] [Escrow/Closing #]
00019976257910008
[Doc ID #]
State of Wyoming
MORTGAGE
FHA Case No.
WY5911061385703
MIN 1001337-0003441413-9
THIS MORTGAGE ("Security Instrument") is given on OCTOBER 24, 2008
JAMES A HAWKES, A MARRIED MAN
. The Mortgagor is
"
Recording Requested By:
LSI
\""ç-
("Borrower"). This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. ("MERS"), (solely
as noltÚnee for Lender, as hereinafter dermed, 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
C'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 '
ONE HUNDRED EIGHTY FIV~ THOUSAND THIRTY FOUR and 00/100
Dollars (U.S. $ 185,034.00 ). 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 NOVEMBER 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 perfonnance
of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does
hereby mortgage, grant and convey to MERS (solely as noltÚnee 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:
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF.
FHA Wyoming Mortgago with MERS - 4/96
MERS FHA Mortgage·WY
2004N-WY (04/0B)(d/i)
Page 1 of 6
Amended 2/01
·23991'
. 199 762 5 790 000 0 2 0 0 4 N .
CASE #: WY5911061385703
Parcel ID Number: 12 -2116 -23 -2 - 08 -102.00
which has the address of
DOC ID #: 00019976257910008
1126 COULSON AVE, KEMMERER
[Street, City]
00&557
Wyoming 83101
[Zip Code]
("Property Address");
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 refeITed to in this Security Instrument as the "Property."
Borrower understands and agrees thai MERS holds only legal title to the interests granted by BOITower 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 BOITower 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.
BOITower 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 unifonn covenants for national use and non-unifonn covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
BOITower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
1. Payment of Principal, Interest and Late Charge. Borrower shall pay wh,en 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 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 still 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 determined by the Secretary. Except for the monthly charge by the Secretary, these items are called
"Escrow Items" and the sums paid to Lender are called "Escrow Funds."
Lender may. at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the
maximum amount that may be required for BOITower's escrow account under the Real Estate Settlement Procedures Act
of 1974,12 U.S.C. Section 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 permitted by RESPA for unanticipated disbursements
or disbursements before the BOITower'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 pennitted 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 as permitted by RESP A.
The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower
tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for
all installment items (a). (b), and (c) and any mortgage insurance premium installment that Lender has not become
obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to BOITower. 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 payments under paragraphs 1 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 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 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.
BOITower 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 BOITower. Each insurance company concemed 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
MERS FHA Mortgage-WY
2004N-WY (04/08)
Page 2 of 6
CASE #: WY5911061385703
üOû558
DOC ID #: 00019976257910008
Instrument, first to. any delinquent amaunts applied in the order in paragraph 3, and then to. prepayment af principal.
ar (b) to. the restoration or repair of the damaged Property. Any applicatian af the proceeds to the principal shall nat
extend ar pastpane the due date af the manthly payments which are referred to in paragraph 2, ar change the amaunt
of such payments. Any excess insurance praceeds aver an amount required to pay all autstanding indebtedness under the
Nate and this Security Instrument shall be paid to the entity legally entitled thereto..
In the event af fareclasure of this Security Instrument ar 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. Barrawer shall accupy, establish, and use the Property as Barrawer's principal residence within sixty days
after the execution af this Security Instrument (ar within sixty days af a later sale artransfer of the Property) and shall
cantinue to. accupy the Property as Borrower's principal residence for at least ane year after the date af accupancy, unless
Lender determines that requirement wiII cause undue hardship for Borrower, ar unless extenuating circumstances exist
which are beyand Borrower's control. Barrawer shall notify Lender of any extenuating circumstances. Barrawer shall
not cammit waste or destroy, damage or substantially change the Property ar allaw the Property to. deteriarate, reasanable
wear and tear excepted. Lender may inspect the Praperty if the Property is vacant ar abandoned ar the loan is in default.
Lender may take reasanable actian to protect and preserve such vacant or abandaned Praperty. Borrower shall also be in
,default if Barrower, during the loan applicåtion process, gave materially false or inaccurate infarmatian ar statements
to. Lender (or failed to provide Lender with any material infarmation) in connectian with the laan evidenced by the Nate,
including. but not limited to., representations cancerning Barrower's accupancy of the Property as a principal residence.
If this Security Instrument is an a leasehold, Barrower shall comply with the provisians 0..£ the lease. If Borrawer acquires
fee title to. the Praperty, the leasehald and fee title shall not be merged unless Lender agrees to. the merger in writing.
6. Condemnation. The proceeds of any award ar claim for damages, direct or cansequential. in connectian with
any candemnatian or ather taking of any part af the Property, ar far canveyance in place of candemnation, are hereby
assigned and shall be paid to Lender to. the extent af the full amaunt of the indebtedness that remains unpaid under the
Nate and this Security Instrument. Lender shall apply such proceeds 'to. the reductian af the indebtedness under the Nate
and this Security Instrument, first to. any delinquent amaunts applied in the order provided in paragraph 3, and then to.
prepayment af principal. Any applicatian af the proceeds to. the principal shall nat extend ar pastpone the due date af the
manthly payments, which are referred to in paragraph 2, ar change the amaunt af such payments. Any excess proceeds
aver an amount required to pay all autstanding indebtedness under the Nate 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. Barrawer shall pay all
gavernmental or municipal charges, fines and impasitians that are nat included in paragraph 2. Barrawer shall pay these
abligatians an time directly to the entity which is awed the payment. If failure to. pay wauld adversely affect Lender's
interest in the Property. upan Lender's request Borrower shall promptly furnish to. Lender receipts evidencing these
payments. I
If Barrawer fails to. make these payments or the payments required by paragraph 2, ar fails to. perfarm any other
cavenants and agreements cantained in this Security Instrument, ar there is a legal proceeding that may significantly
affect Lender's rights in the Property (such as a proceeding in bankruptcy, far candemnatian or to. enfo.rce laws
ar regulations), then Lender may do. and pay whatever is necessary to. protect the value af the Property and Lender's rights
in the Property, including payment af taxes, hazard insurance and ather items mentianed in paragraph 2.
Any amaunts disbursed by Lender under this paragraph shall became an additianal debt af Barrawer and be secured
by this Security Instrument. These amaunts shall bear interest from the date af disbursement, at the Nate rate, and at the
aptian of Lender, shall be immediately due and payable.
Barrawer shall pramptly discharge any lien which has priarity aver this Security Instrument unless Barrawer:
(a) agrees in writing to the payment af the abligatian secured by the lien in a manner acceptable to. Lender; (b) cantests in
gaod faith the lien by. or defends against enforcement af the lien in, legal proceedings which in the Lender's apinian
operate to. prevent the enfarcement af the lien; ar (c) secures from the halder af the lien an agreement satisfactary
to. Lender subordinating the lien to. this Security Instrument. If Lender determines that any part af the Property is subject
to. a lien which may attain priarity aver this Security Instrument, Lender may give Barrawer a natice identifying the lien.
Barrawer shall satisfy the lien ar take ane armare of the actians set farth abave within 10 days afthe giving af natice.
8. Fees. Lender may callect 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 the case af payment
defaults, require immediate payment in full af all sums secured by this Security Instrument if:
(i) Borrawer defaults by failing to. pay in full any mo.nthly payment required by this Security
Instrument priar to. or an the, due date af the next manthly payment, o.r
(ii) Barrower defaults by failing, far a periad af thirty days, to. perform any ather obligations cantained
in this Security Instrument.
(b) Sale Without Credit Apprpval. Lender shall. if permitted by applicable law (including Sectian 341(d)
af the Garn-St. Germain Depasitary Institutians Act af 1982, 12 V.S.C. 1701J-3(d)) and with the priar approval
af the Secretary, require immediate payment in full af all sums secured by this Security Instrument if:
(i) AU ar part of the Praperty, or a beneficial interest in a trust awning all ar part af the Property, is saId
ar otherwise transferred (ather than by devise ar descent), and
(ii) The Property is not occupied by the purchaser o.r grantee as his ar her principal residence, ar the
purchaser or grantee daes, sa occupy the Property but his ar her credit has not been approved
in accardance with the requirements af the Secretary.
(c) No Waiver. If circumstan¡;es accur that wauld- permit Lender to require immediate payment in full,
but Lender does nat require such payments, Lender daes not waive its rights with respect to. subsequent events.
(d) Regulatio.ns of HUD 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 fareclase if nat paid.
This Security Instrument does not authorize acceleratian ar foreclasure if not permitted by regulatians of the
Secretary.
MERS FHA Mortgage·WY
20o.4N-WY (0.4/0.8)
Page 3 of 6
CASE #: WY5911061385703
DOC ID #: 00019976257910008
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not
detennined 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 sums 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 premium to the
Secretary.
10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full
because of Borrower's failure to pay 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 effect as if Lender had not required immediate payment in full. However, Lender is not required
to permit 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 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 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 tenns 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 the terms 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 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 conflièting 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.
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 defined as toxic or hazardous substances
by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials.
As used in this paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the Property
is located that relate to health, safety or environmental protection.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
17. Assignment of Rents. To the extent pennitted by applicable law, 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.
MERS FHA Mortgage-WY
2004N-WY (04/08)
Page 4 of 6
00&560
CASE #: WY5911061385703
DOC ID #: 00019976257910008
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 has not executed any prior assignment of the rents and has not and will not perform any act that would
prevent Lender from exercising its rights 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 terminate 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 oftitle 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 release this Security
Instrument. 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 permitted under
applicable law.
20. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights
of curtesy and dower in the Property.
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 Planned Unit Development Rider
D Growing Equity Rider
D Graduated Payment Rider
D Other [specify]
BY SIGNING BELOW, Borrower accepts and agrees to the tenns contained in this Security Instrument and in any
rider(s) executed by Borrower and recorded with it.
-#r+~- ~d~
ES A. HAWKES
(Seal)
-Borrower
~~'YY"'.C\ \\~t.~
.:Þ 6'\V01\ 1:. tt "'- \>0 k-e5
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
MERS FHA Mortgage-WY
2004N-WY (04/08)
Page 5 of 6
CASE #: WY5911061385703
State of ~/J;~C7
County of L~I c'c,'/t
,A. 0.3"::" ~ l:~' 1
U v...1I0.....
DOC ID #: 00019976257910008
(Seal, if any)
.-/ ~
'-i<:
(Signature of notarial officer)
A~~
Title (and Rank)
LORI KALAN - NOTARY PUBLIC
COUNTY OF STATE OF
LINCOLN WYOMING
My Commission Expires Feb, 26. 2011
MERS FHA Mortgage-WY
2004N-WY (04/08)
. .i!J//
My Commission Expires:
()~ ~6 ~¿:J / /
t' ,
Page 6 of 6
~, ··10: 4970501
Loan #
199762579
Exhibit A
LEGAL DESCRIPTION
1'~ -".. ":)
OOV::¡,O,c....
The following described property:
Lot 6 of Block 5 of the Lincoln Heights 4th Addition to the Town of Kemmerer, Lincoln County, Wyoming,
as described on the Official Plat thereof.
Assessor's Parcel No:
12-2116-23-2-08-102.00
Created 4/12/07
AL TA Commitment - 2006