HomeMy WebLinkAbout946244
Return To:
COUNTRYWIDE BANK, FSB
MS SV-19 DOCUMENT PROCESSING
P.O. Box 10423
Van Nuys, CA 91410-0423
RECEIVED 3/31/2009 at 3:17 PM
RECEIVING # 946244
BOOK: 719 PAGE: 245
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
Prepared By:
MICHELLE SALAS
000245
[Spaee Above ThII Ua. For Recordlag DaIa)
WY5911089145703
[Case #)
62453
[Escrow/Closing #]
00020286943903009
[Doc ID f]
State ofWyomIDg
MORTGAGE
FHA Case No,
WY5911089145703
MŒN 1001331-0003545391-9
TInS MORTGAGE ("Security Instrument") is given on MARCH 26, 2009 . The Mortgagor is
JAMES D PHELPS, AND ERICA L PHELPS, HUSBAND AND WIFE AS TENANTS BY THE ENTIRETY
("Borrower"). 'This Security Instrument is given to Mortgage Electronic Registration Systen'lll, Inc, ("MERS"), (solely
as nominee for Lender, as hereinaflèr defined, and Lender's successorli 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, MI48501-2026, tel. (888) 679-MERS.
COUNTRYWIDE BANK, FSB
("Lendcr'1 is organized and existing under the 1awsof THE UNITED STATES ,and bas an addreslOf
1199 North Fairfax St. Ste.500. Alexandria, VA 22314
Borrower owes Lender the principal sum of
TWO HUNDRED FORTY SEVEN THOUSAND FORTY NINE and 00/100
Dollars (U.S. $ 241, 04 9 . 00 ). Thi8 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 APRIL 01, 2039 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced
by the Note. with interest, and all renewals, extellßÌOIIs and modifications of the Note; (b) the payment of all other surns,
with interest, advanced under paragrnph 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 MBRS (solely as nominee for Lender and Lender's successors and B.'!.cdgns) and
to the succeSSOrli and assigns of MERS with power of sale, the following dt8cribed property located
in LINCOLN County, Wyoming:
Lot 10 of FOREST MEADOW SUBDIVISION, Lincoln County, Wyoming, as shown on the
official plat thereof filed September 17, 1981, as Receiving No. 565472, in th~
Office of the Clerk of Lincoln County, Wyoming, as Plat No. 271.
FHA Wyomlllll Morigaøe with MERS -.c188
MERS FHA MoJtgag8-WY
2004N-WY (04.œ)(dII)
P"II81 016
Amenchld 2101
1111
. 2 3 881 .
1_1111
. 2 0 2 6 6 8 4 3 8 0 0 0 0 0 2 0 0 4 N .
CASE t: WY5911089745703
ParceIIDNumber: 371828305012
which has the address of
DOC ID t: 00020286943903009
517 THREE RIVERS DR, ALPINE
(Street, City]
00&246
Wyoming 83128 ("Property Address");
(Zip Code]
TOOETIIBR WITH all the improvements now or hereafter erected on the property, and all casements, appurtenances
and fixtures now or hereafter a part of the property. All rcplaccmcnts and additions shall also be covered by this Security
InstrumenL All of the foregoing is referred 10 in this Security IlI8tnuDent'as the "Property,"
Borrower understands and agrees that MERS holds only legal title to the interests granted by BOlJ'Owcr in tbis Security
Instrument; but, ü necessary 10 comply with law or custom, MERS, (as nominee for Lender and Lcndcr'a SUCCCSSOIS and
assigns). has the right: 10 exercise any or all of Ùlœe interests, including, but not limited 10, the right 10 foreclose and sell the
Property; and to take any action required of Lender including, but not limited to, releasing or canceling tbis Security
InstrumenL
BORROWER COVENANTS that Borrower is lawfully seized of thc eSlate hcreby conveyed and has the right
to mortgage, grant and convey the Property and Ùlat the Property is unencumbered, cxcept for encumbnmces of record.
Borrower warrants and will dcfend generally the title to thc Property against all claims and demands, subject 10 any
encumbrances of record.
THIS SBCURffY INSTRUMENT combines uniform covenants for national U'!C and non-uniform covenants with
limited variations by jurisdiction to constibJte a uniform security instrument covering real property.
Borrower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
t. PaymcJlt of Prlndpal, Interest ød Late Charge. BOlJ'Ower shall pay when due the princlpaJ of. and intcrest
on, thc debt evidenced by the Note and late charges due under the Note.
2. Monthly .aymeat of TaxCl, lmiul'Ulee 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 Icviod or to be Icviod against thc Property , (b) leasehold payments or ground rents on thc Property,
and (c) premiums for insurance required under paragraph 4, In any year in which the Lender must pay a mortgage
insurance premium 10 the ~ecretary of Housing and Urban Dcvelopment ("Secretary"), or in any year in which such
premium would havc been required If Lender still held the Security Instrument, cach monthly payment shall also include
either: (i) a sum for the annual mortgage insurancc 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 Secrctary, in a reasonable
amount to be determinod hy thc Secretary. Except for thc monthly charge by the Secretary, these items arc callod
"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 10 exocod the
maximum amount that may be required for Borrowel's escrow account under tbe Real Estate Settlcment Procedures Act
of 1974,12 D,S.C. Section 2601 el seq. and implementing regulations, 2A CPR Part 3500, as they may be amended from
time to time ("RESP A"). exccpt lhat thc cushion or reservc pcnnittcd by RESP A for unanticipatod disbursemen¡¡;
or disburscments before tbc Borrowel's payments arc availablc in the account may not be based on amounts duc for thc
mortgage Insurance premium.
If tbc amounts held by Lender for Escrow Items exceed the amounts permitted 10 be held by RESP A. Lender shall
account to Borrower for the excess funds as requirod by RESPA. If the amounts of funds held by Lender at any time arc
not sufficlcnt to pay thc Escrow Items when due, Lender may notify thc Borrowcr and require Borrower 10 makc up the
shortage as pcnnittcd by RESP A.
The Escrow Funds arc plodgcd a.~ additional security for all sums secured by this Security Instmment. If Borrower
tenders 10 Lender the full payment of all such sums. Borrowcl's account shall be credited with thc 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 shan promptly refund any excess fund~ to Borrowcr. Immediately prior 10 a
foreclosure sale of the Property or its acquisition by Lender. Borrower's account sball be credited with any balance
remaining for all installments for items (a), (b), and (C).
3. AppHeaUon of Payments. All payments under paragmphs 1 and 2 shall bc applied by Lender a.~ follows:
full, to thc mortgage insurance premium to be paid by Lender 10 thc Secrctary or 10 thc monthly chargc by the
Secretary instead of tbe monthly mortgage insurancc premium;
~ 10 any taxes, special assessments, leasehold payments or ground rents. and fire, flood and othcr hazard
insurance premiums, as required;
Third. 10 interest duc under thc Note;
B.mnIL to amortization of the principal of the Note; and
Eif1IL 10 late charges duc under the Note.
4, FIre, Flood and Other Hazard lllluraace. Borrower shall iosure all improvements on the Property, whether
now in emtcnce or subsequently erected, against any hazards, casual tics, and contingencies, including fire. for which
Lender requires insurance. This insurance shall be maintainod in thc amounts and for the periods that Lender requires.
Borrower shall also insure all improvements on the Property, whether now in existence or subsequently crected, against
loss by floods 10 the extent rcquirod by the Secretary. All insurance shall be carriod with companies approvod by Lender.
Thc insurance policie8 and any renewals shall be held by Lender and shall include loss payablc clauses in favor of, and in
a form acceptablc 10. Lender.
In.thc event of loss, Borrower shall give Lender immediate notice by mail. Lender may mskc proof of IOS8 if not
made promptly by Borrower. Each insurance company conccrnod is hereby suthorizod and directed to make payment
for such loss directly to Lender, instead of to BOmJwer and 10 Lender jointly. Allor any part of thc insurance proceeds
may be appliod by Lender, at its option, either (a) 10 the reduction of the indcbtodnessunder tbe Note and this Security
MERS FHA Mor1g8ge-WV
2004N-WY (04108)
Page2016
CASE #: WY5911089745703
DOC ID #: 00020286943903009
Instrument, first to any delinquent amounts 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 moqthly payments which are referred to in paragraph 2. or change the amount
of such payments. Any exoess insurance proceeds over an amount required to pay all oUL~tanding 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, Preservatiou, Malateauœ aud Protectlou of the Propertyj Borrower'. Lou ApplicatiODI
Leaseholds. Borrower shall occupy. establish, and 1Ise the Property as Borrower's principa] 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 Borrowe.r'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 un1ess extenuating circumstances exist
wlùch 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 al]ow 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 leasehnld, Borrower shall comply with the provisions of the lease, If Borrower acquires
feo title to the Property, the leasehold and fee title shall not be merged un1ess Lender agrees to the merger in writing.
6. CODdemaatlon. 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 arommt 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 princlpa] shall not extend or postpone the due date of the
monthly payments, which are refened to in paragraph 2, or change the amount of such payments. Any excess proceeds
over an amount required 10 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'. Rights In the Property. Borrower shall pay all
govommental or municipal charges, fines and impositions that are nOI included in paragraph 2. Borrower shall pay these
obligations on lime 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 procecding that may significantly
affecl 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 other items mentioned in paragraph 2,
Any amolDllS disbursed by Lender under this paragraph shal] become an additional debt of Borrower and be secured
by this Security Inslrumenl. These amounts shal] bear interest from the date of disbursement, at the Note rate, and at the
option of Lender. shal] 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 !he obligation secured by the lien in a manner acceptable to Lender; (b) contests in
good faith !he lien by, or defends against enforcement of the lien in. legal proceedings which in the Lender's opinion
opemte to prevent the enforcement of !he lien; or (c) secures from !he holder of the lien an agreement satisfaclory
10 Lender subordinating the lien to this Security Instrument If Lender detennines that any part of the Property is subject
10 a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien,
Borrower shall satist)' 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 Aeeeleraüon of Debt.
(a) Default. Lender may. except as limited by regn]ations Is.wed by the Secretary, in the case of payment
defaults, require immediate payment in full of aI] sums secured by this Security Instrument if:
(i) Borrower defaults by failing 10 pay in full any monthly payment required by this Security
Instrument prior to or on the due date of the next monthly payment, or
(ü) Borrower defaults by failing. for a period of thirty days, to perfonn any other obligations contained
in this Security Instrument
(b) Sale WltJaont Credit Approval Lender shall. if permitted by applicab]e law (including Section 341(d)
of the Gam-SI. 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 aI] sums secured by this Security Instrument if:
(i) AIlor part of the Property. or a beneficial interest in a trust owning all or part of the Property. is sold
or otherwise transfClTed (other than by devise or dCBCcmt), and
(ii) The Property is not occupied by die purehaser or grantee as lùs or her principal residence, or the
purchaser or grantee does 80 occupy the Property but his or her credit has not been approved
in accordance with the requirements of the Secn:tary.
(c) No W8Iver. If circumstances occur that would permit Lender to require immediate payment in full,
but Lender does not require such payments, Lender does not waive its rights with respect 10 subsequent events.
(d) Regalatl08. of HUB Secretary. In many circumstances regulations issued by the Secretary will timit
Lender's rights, in die case of payment defaults, 10 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.
MERS FHA Mortg"Oe-WV
2004N-WV (04108)
Page 3 018
00U24Þ?
ûOú248
CASE i: WY5911089745703
DOC tD i: 00020286943903009
(e) Mortgage Not IDlured. 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 ils 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 subscqoentto 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
unavailabjJity of insurance is solely due to Lender's failure to remit a mongage insurance premium to the
Secretary.
10. Refnstatemeat. BOITOwer has a right to be reinstated if Lender has required immediate payment in full
because of Bonower'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 aJl
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 shaJI 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 foreclOßure proceeding, (ii) reinstatement will
preclude foreclO81lrc 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 Leuder 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 shaJl not operate to release the liability of the originaJ Borrower or BOlTOwer'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. A11y 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. Suecason and Assigns Bouud; Joint aad Several LIability; Co-Slgnen. 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 docs 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, forhcar or make any accommodations with regard to the terms of this Security
Instrument or the Note without that Borrower's conscnt. '
13. Not:k:es. A11y notice to Borrower provided for in this Security Instrument shaJl be given by delivering it or by
mailing it by fltst class mail unlcss 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. A11y 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; SeverabßJty. This Security Instrument shall be governed by Federal law and the law of the
jurisdiction in which the Propeny 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.
15. Borrower's Copy. Bonower shaJI be given one conformed copy of the Note and of this Security Instrument.
16. Hazardoas Substances. Borrower shall not cause or pennlt 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 sentellCes shall not apply to the presence,
use, or storagè on the Property of small quantities of Hazardous Substances that arc 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 BOITOwer 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 aJI necessary remedial actions in accordanée with Environmental Law.
As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardou.~ 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 a.~ follows:
17. Aaslgameat oC Rents. To the extent permitted by applicable law, Borrower Ullconditionally BS.'iÍgDS and
transfers to Lender all the rents and revenues of the Property, Borrower authorizes Lender or Lender's agents to col1cct
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 Lelldet'S notice to Borrower of Borrower's breach of any covenlUlt 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 Bonower. This assignment of rents constitutes an absolute assigoment and not an assignment for additional security
only.
MERS FHA Mortg8( &WY
2004N,WY (04ID8)
Page 4016
CASE t: WY59110B9745703
DOC ID t: 000202B6943903009
If Lender gives notice of breach 10 Borrower: (a) all rents received by BOII'Ower shall be held by Borrower
as trustee for benefit of Lender only, to be applied 10 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 lenant of the Property shall pay all rents due
and unpaid 10 Lender or Lender's agent on Lender's writlen demand 10 the lenant.
Borrower has not execuled any prior assignment of Ibe 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 !he Property before or afler giving notice of
breach 10 Borrower. However. Lender or a Judicially appointed receiver may do so at any time there is a hreach.
Any application of rents shall not cure or waive any default or invalidate any olber right or remedy of Lender.
This assignment of rents of the Property shall terminale when the debt secured by the Security Instrument is paid in full.
18. Foreclosure Procedure. If Leader requfres immediate payment In run uader paragraph 9, Leader may
Invoke the power of sale aad any other remedIes permitted by applIcable law. Leuder sball be entitled to coDect all
expenlel Incurred In punulng the remedies provided In this paragraph 18, including, but Dot limited to,
reasoaable attol'DeyI' fees and COSh oftftle evideace.
If Leader Invokes the power of we, Leader shall give aotice of luteat to foreclOle to Borrower and to the
penoa la possessloa of the Property, U different, In accordance with applicable law. Leader shall give aotlce ofthe
sale to Borrower In the manaer provided fa paragraph 13. Leader sball pablIsh the notIce of sale, aad the
Property sball be sold In the manaer prescribed by applkable law. Lender or Ih designee may purchase the
Property at aay we. The proceeds of the sale shall be applIed fa the following order: (a) to all eqHIDBeS of the
sale, including, but aot lImIted to, reasoaable attorneys' fees; (b) to all sums seeured by this Security Instrument¡
and (c) auy exceu to the penoa or persoas legally entitled to It.
It the Lender's Interest In this, Security Instrumeat Is held by tbe Secretary aud the Secretary requires
Immedlaœ paymeat In full uader Paragraph 9, the Secretary l11li)' Invoke the uoajudiclal power of sale provided
fa the Single Famfly Mortgage Foreclosure Act of 1994 ("Act") (12 U.S,C. 3751 el seq.) by reqaestlng a foreclosure
commllsloaer designated UDder the Act to commeuce foreeloSllre and to sell the Property as provided in the Act.
Nothiag In the preceding sentence shall deprive the Secretary of any rights otherwise avaDable to a Leader uader
this Paragraph 18 or applIcable law. '.
1'. Releue. Upon payment of all sums secured by this Security Instrumen~ 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 !hird party for services rendered and the charging of the fee is pennitted under
applicable law.
20. Walven. Borrower waives all rights of homestead exemption in the Property and relinquishes aI] rights
of curtesy and dower in the Property.
11. RIden to this Security Instrumeat. If one or more riders are executed by Borrower and recorded IOgether
wi th 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 ü the rider(s) were a part of this Security Instrument. [Check
applicable box(es)],
8 Condominium Rider 0 Growing Equity Rider
Planned Unit Development Rider 0 Graduated Payment Rider
o Other [specify]
BY SIGNING BELOW, Borrower accepts and agrees 10 the tenns contained in this Security Instrument and in any
rider(s) executed by Borrower and recorded with it.
~AME~;;ori:) ~ ~
-/7- -p~~
(Seal)
-Borrower
.. '~A..Á~
ERICA L. PHELPS
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
MERS FHA Mortgage-WV
2004N-WV (04108)
Paae 5 of 6
ûOö249
CASE t:
State of
~5i{~~
County of
(Seal, if any)
...........n*nu... n~'.nlcmmm~!!:
= 0, FenÞ.,n " II~ry pµþlL _
- -
- -
æ CQunty of mate of ::
: Lincoln Wyoming =
- -
:: My Commission expir~6 '10/1 1/aO 11 :
.....................I....I.I........r
MERS FHA Mork,¡8gs'WV
2004N-WV (!WOO)
DOC ID t: 00020286943903009
~.~
,~ fnotarial officer)"
(tjll~ [jfJf,<tL-I-
Tit! dRank)
My Commission Expires:
!¿./;/ /~II
,
Page 6 of 6
û00250