HomeMy WebLinkAbout946259
After Recording Return To:
BUFFALO FEDERAL SAVINGS BANK
7350 STOCKMAN ST., SUITE B
CHEYENNE, WYOMING 82009
Loan Number: 57000111674
RECEIVED 411/2009 at 11:45 AM
RECEIVING # 946259
BOOK: 719 PAGE: 301
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
'úOô30:l.
[Space Above This Line For Recording Data]
MORTGAGE
FHA CASE NO,
591-1089643-703
MIN: 100724600000005611
THIS MORTGAGE ("Security Instrument") is given on MARCH 25, 2009
The mortgagor is LARON ANGLESEY AND VALERIE ANGLESEY, HUSBAND AND
WIFE,
("Borrower").
This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. ("MERS") as Mortgagee. MERS
is the nominee for Lender, as hereinafter defined, and Lender's successors and assigns. 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.
BUFFALO FEDERAL SAVINGS BANK, A FEDERAL SAVINGS BANK ("Lender")
is organized and existing under the laws of WYOMING
and has an address of 7350 STOCKMAN ST., SUITE B, CHEYENNE I WYOMING
82009
Borrower owes Lender the principal sum of ONE HUNDRED FIFTY THOUSAND TWO
HUNDRED FORTY-TWO AND 00/100 Dollars (U.S. $ 150,242.00 ).
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 APRI L I, 203 9
This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest,
and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest,
advanced under paragraph 7 to protect the security of this Security Instrument; and ( c) the performance of Borrower's
covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does
hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and
to the successors and assigns of MERS, with power of sale, the following described property located in
LINCOLN County, Wyoming:
SEE I..EX3AL DESŒIPI'ION ATI'AŒED HEREm AND MADE A PART HEREOF AS EXHIBIT "A".
A.P.N.: 12-3119-03-1-00-283.00
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which has the address of 7020 BITTERCREEK RD
Fairview
[City]
, Wyoming
[Street]
83110
[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. AIl replacements and additions shaIl also be
covered by this Security Instrument. AIl of the foregoing is referred to in this Security Instrument 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 seIl 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 lawfuIly 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 wiIl defend generaIly the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as foIlows:
1. Payment of Principal, Interest and Late Charge. Borrower shaIl 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 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
shaIl 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 caIled "Escrow Items" and the sums paid to Lender are caIled "Escrow Funds."
Lender may, at any time, coIlect and hold amounts for Escrow Items in an aggregate amount not to exceed the
maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures
Act of 1974, 12 U.S.C. §2601 et seQ. and implementing regulations, 24 CFR Part 3500, as they may be amended
from time to time ("RESP A"), except that the cushion or reserve permitted by RESP A for unanticipated 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 shaIl
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 fuIl payment of all such sums, Borrower's account shaIl be credited with the balance
remaining for all instaIlment items (a), (b), and (c) and any mortgage insurance premium instaIlment that Lender has
not become obligated to pay to the Secretary, and Lender shaIl promptly refund any excess funds to Borrower.
Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shaIl be
credited with any balance remaining for all instaIlments for items (a), (b), and (c).
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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 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 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 form acceptable to, Lender.
In the event ofloss, Borrower shall give Lender immediate notice by mail. Lender may make proof ofloss 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 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 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.
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty
days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property)
and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of
occupancy, unless the Lender determines that requirement will cause undue hardship for Borrower, or unless
extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any
extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property
or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the
Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve
such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application
process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any
material information) in connection with the loan evidenced by the Note, including, but not limited to, representations
concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a
leasehold, Borrower shall comply with the provisions of the 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 of the indebtedness that remains unpaid
under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness
under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in
paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend
or postpone the due date ofthe monthly payments, which are referred to in paragraph 2, or change the amount of such
payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this
Security Instrument shall be paid to the entity legally entitled thereto.
FHA WYOMING MORTGAGE- MERS
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7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay alI
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 other items mentioned in paragraph 2.
Any amounts disbursed by Lender under this paragraph 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 the Note rate,
and at the option of Lender shall be immediately due and payable.
Borrower shalI 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 from the 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 this Security Instrument, Lender may give Borrower a
notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within
10 days of the giving 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 the 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, ifpermitted 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 smns secured by this Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is
sold or otherwise transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Property, but his or her credit has not been approved in
accordance with the requirements of the Secretary.
(c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full,
but Lender does not require such payments, Lender does not waive its rights with respect to subsequent
events.
(d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary wîlllimit
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 if this Security Instrument and the Note are not
determined to be eligible for insurance under the National Housing Act within 60 DAYS
from the date hereof, Lender may, at its option require immediate payment in full of all 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
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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 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 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 conflicting provision. To this end the provisions of this Security
Instrument and the Note are declared to be severable.
15. Borrower's Copy. Borrower shall be given one conformed copy ofthe Note and ofthis Security Instrument.
16. Hazardous Substances. Borrower shall not cause or permit 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 normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental
or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property
is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.
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FHA WYOMING MORTGAGE - MERS
WYMTGZ.FHA 11/01/06
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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. 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.
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 ITom 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 ajudicially 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 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 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 V.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 releases and waives all rights under and by virtue of the homestead exemption laws of
Wyoming.
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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)].
o Condominium Rider
o Planned Unit Development Rider
o Non-Owner Occupancy Rider
o Graduated Payment Rider 0 Growing Equity Rider
o Adjustable Rate Rider 0 Rehabilitation Loan Rider
ŒJ Other [Specify] MANUFACTURED HOME RIDER I
AFFIXATION AFFIDAVIT
BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in pages 1 through 8 of this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
~(Z. ::--~
LARON J. ANG SEY
(Seal)
-Borrower
(Seal)
- Borrower
(Seal)
-Borrower
(Seal)
- Borrower
(Seal)
-Borrower
Witness:
Witness:
FHA WYOMING MORTGAGE- MERS
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[Space Below This Line For Acknowledgment]
State of WYOMING
County of Lincoln
This instrument was acknowledged before me on
~a5 jog
by LARON J. ANGLESEY AND VALERIE ANGLESEY
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(Seal)
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FHA WYOMING MORTGAGE- MERS
WYMTGZ.FHA 11/01/08
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Title (and Rank)
My commission expires:
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ORDER NUMBER: NTL-2206
EXHIBIT "A"
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PARCEL 1
THAT PART OF THE W Y2 NE Y4 OF SECTION 3, T31N, Rl19W, LINCOLN COUNTY, WYOMING, IT BEING THE INTENT
TO MORE CORRECTLY DESCRIBE A PART OF THOSE TRACTS OF RECORD IN THE OFFICE OF THE CLERK OF
LINCOLN COUNTY IN BOOK 277 OF PHOTOSTATIC RECORDS ON PAGE 241 AND IN BOOK 391 OF PHOTOSTATIC
RECORDS ON PAGE 55, AS FOLLOWS:
BEGINNING AT THE NORTHWEST BA THEY OF SAID TRACT OF RECORD IN BOOK 271, S 00° 40' 00" W., 836.44 FEET
FROM THE NORTHWEST CORNER OF THE NE Y4 OF SECTION 3;
THENCE S 88° 50'41" E, 198.96 FEET, ALONG THE NORTH LINE OF SAID TRACT IN BOOK 277, TO THE NORTHEAST
BA THEY THEREOF;
THENCE SOlo 04' 38" W, 291.30 FEET, ALONG THE EAST LINE OF SAID TRACT AND THE EAST LINE OF SAID TRACT
IN BOOK 391, TO A BATHEY AT A FENCE CORNER;
THENCE S 88° 00' 17" W, 196.99 FEET, ALONG AN EXISTING FENCE LINE, TO A POINT ON THE WEST LINE OF SAID
TRACT IN BOOK 391;
THENCE N 00° 39' 00" E, THE BASE BEARING FOR THIS SURVEY AND DESCRIPTION, 302.14 FEET ALONG SAID WEST
LINE, TO THE BA THEY OF BEGINNING;
PARCELIA
TOGETHER WITH A RIGHT OF INGRESS AND EGRESS ACROSS THOSE LANDS LYING AND BEING SITUATE
BETWEEN THE WEST LINE OF THE FOREGOING TRACT AND THE CENTERLINE OF THE BITTER CREEK COUNTY
ROAD NO. 12-140, SAID CENTERLINE LYING WESTERLY 35 FEET, MORE OR LESS, OF SAID WEST LINE;
~
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ALTA Comm;-'ßn' ("/17/06)
eOû310
MANUFACTURED HOME RIDER
STATE OF WYOMING
Lo~Numbu: 57000111674
ss:
COUNTY OF Lincoln
This Manufactured Home Rider is made on this 25th day of MARCH, 2009
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or
Security Deed (the "Security Instrument") of the same date, given by the undersigned (the "Borrower") to
secure Borrower's Note to BUFFALO FEDERAL SAVINGS BANK, A FEDERAL
SAVINGS BANK
(the "Lender") of the same date and covering the Property described in the Security Instrument and located
at:
7020 BITTERCREEK RD, Fairview, Wyoming 83110
Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows:
A. the Property covered by the Security Instrument (referred to as "Property" in the Security Instrument)
includes, but is not limited to the Manufactured Home
(Serial Number: , Model:
Make: , Year:
Size:
Label/Seal No.: affixed to the property legally
described in the Security Instrument.
B. Additional Covenants of Borrower:
1. Borrower will comply with all state and Jocalllaws and regulations regarding the affixation of
the Manufactured Home to the property descriBed in the Security Instrument including, but not
limited to, surrendering the Certificate of Title (if required) not obtaining and recoqling the
requisite governmental approval and accompanying documentation necessary to classify the
Manufactured Home as real property under stat and local law, including a statement of
ownership and location.
2. The Manufactured Home described above will be, at all times and for all purposes, permanently
affixed to and part of the property described in the Security Instrument.
3. Affixing the Manufactured Home to the property described in the Security Instrument does not
violate any zoning laws or other local requirements applicable to manufactured homes.
Before me, the undersigned authority duly authorized to take acknowledgments and administer oaths
personally appeared LARON J. ANGLESEY AND VALERIE ANGLESEY
(" Affiants") who, upon being duly sworn, depose and say as follows:
MANUFACTURED HOME RIDER
MHRTBW 06/17/0B
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I. Affiants hereby certify that, upon taking title to the property described above, they will do the
following:
The manufactured home will be permanently part of the real property that secures the Security
Instrument executed on MARCH 25 I 2009
All necessary documentation required will be supplied to perfect title in the Manufactured home.
Manufactured Home is an improvement to the land and an immoveable fixture considered as real
estate.
2. Affiants acknowledge that this Affidavit of Intent is given as a material inducement to cause
BUFFALO FEDERAL SAVINGS BANK
to make a mortgage loan to Affiants and that any false statements, misrepresentations or material
omissions shall constitute a breach of the Affiant's obligation to
BUFFALO FEDERAL SAVINGS BANK
and that all the provisions of the mortgage indenture concerning default on the Promissory Note will
thereupon be in full force and effect.
3. Affiants further acknowledge that it is a Federal crime punishable by fine or imprisonment or both,
to knowingly make any false statements concerning any of the above facts as applicable under the
provisions of Title 18, United States Code, Section 100 I, et seq.
4. The agreements and covenants contained herein shall survive the closing of the mortgage loan
transaction.
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LARON J. ANGL E -Borrower
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(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
MANUFACTURED HOME RIDER
MHR.TBW 06/17/08
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State of WYOMING
County of Lincoln
The forgoing instrument was acknowledged before me this
'2bQJQ by LARON J.
ANGLESEY
è~ day of _(Ý'v1rch
ANGLESEY AND VALERIE
who is personalIy known to me or who has produced
be\ \)t\t' l S \ .\ (,-tt\(...-t as identification.
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MANUFACTURED HOME RIDER
MHRTBW 06/17/08
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BUFFALO FEDERAL SAVINGS BANK
7350 STOCKMAN ST., SUITE B, CHEYENNE,
WYOMING 82009
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Loan Number: 57000111674
(To be recorded with Security Instrument)
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
The State of WYOMING
County of LINCOLN
Before me, the undersigned authority, on this day personally appeared LARON J. ANGLESEY,
VALERIE ANGLESEY
(Borrower(s)) and BUFFALO FEDERAL SAVINGS BANK
known to me to be the person(s) whose name(s) is/are subscribed below, and who, being by me first duly
sworn, did each on his/or her oath state as follows:
DESCRIPTION OF MANUFACTURED HOME
USED
1999
CHAMPION HOME BUILDERS
New/Used
Year
Manufacturer's Name
16-00-127-'07724
66ft X 27ft (L X W)
Model Name or Model No.
Manufacturer's Serial No.
Length x Width
IDA187841&IDA187842
HUD Label Number(s):
Certificate of Title Number:
MANUFACTURED HOM E LOCATION
7020 BITTERCREEK RD
Street
LINCOLN
County
State
83110
Zip Code
Fairview
City
WYOMING
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
AARMFBH.MSC 11/21/07 Page 1 of 4
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In addition to the covenants and agreements made in the Security Instrument, Borrower covenants and agrees
as follows:
1. The manufactured home described above located at the address above is permanently affixed to a
foundation and will assume the characteristic of site-built housing.
2. The wheels, axles, tow bar, or hitch were removed when said manufactured home was placed on the
permanent site.
3. All foundations, both perimeter and piers for said manufactured home have footings that are located
below the frost line or in compliance with local building codes or requirements.
4. If piers are used for said manufactured home, they will be placed where said home manufacturer
recommends.
5. If state law so requires, anchors for said manufactured home have been provided.
6. The manufactured home is permanently connected to a septic or sewage system and other utilities such
as electricity, water and natural gas.
7. No other lien or financing affects said manufactured home or real estate, other than those disclosed in
writing to Lender.
8. The foundation system of the manufactured home has been designed by an engineer, ifrequired by state
or local building codes, to meet the soil conditions of the site.
9. Borrower(s) acknowledges his or her intent that said manufactured home will become immovable
property and part of the real property securing the security instrument.
10. The Manufactured home will be assessed and taxed as an improvement the real property. I/We
understand that if Lender does not escrow for these taxes, that I/we will be responsible for payment of
such taxes.
11. Ifthe land is being purchased, such purchase and said manufactured home represent a single real estate
transaction under applicable state law.
12. Said manufactured home has been built under the Federal Manufactured Home Construction and Safety
Standards that were established June 15, 1976.
13. This Affidavit is executed by Borrower(s) pursuant to applicable state law.
14. All permits required by governmental authorities have been obtained. Borrower(s) certifies that
Borrower(s) is in receipt of manufacturer's recommended maintenance program regarding the carpets
and manufactures warranties covering the heating! cooling system, hot water heater, range, etc. and
the formaldehyde health notice.
Borrower
r:Z:Y (}9"
Date
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D t
Borrower
Date
Borrower
Date
BOrrower
Date
Borrower
Date
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOM E
AARMFBH.MSC 11/21/07 Page 2 of 4
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ÜO&315
In Witness Whereof, Borrower(s) and Lender has executed this Affidavit in my presence and in the presence
of undersigned witnesses on this day of
Witness
Witness
STATE OF WYOMING
COUNTY OF LINCOLN
The foregoing instrument was acknowledged before me this ~ day of ~ (l,~
by LARON J. ANGLESEY, VALERIE ANGLESEY
W;q
,
who is personally known to me or who provided
~
as identification.
GíIIRI\. ,.JQNEII- NOWII'PtiIùè:'
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Print Name
My Commission Expires:
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUilT) HOME
AARMFBH.MSC 11/21/07
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LENDER'S STATEMENT OF INTENT
The undersigned ("Lender") intends that the Home be an immovable fixture and a permanent improvement
to the Land.
STATE OF WYOMING )
) ss.:
COUNTY OF LINCOLN )
On the a:!f'" day of -L'f\ÛLIr d'\. in the year 200Q
me, the undersigned, a Notary Public in and for said State, personally appeared t< A.H. te
~efore
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personally known to me or proved to me on the basis of satisfactory evidence to be the individual(s) whose
name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the
same in his/her/their capacity(ies), and that by his/her/their signature(s) on the instrument, the individual(s),
or the person on behalf of which the individual( s) acted, te . nstrume .
~~ A. ~S
Notary Public; State of LD\A" t) t..Uf\..l
Qualified in the County of LW\.t..()\ ~
My Commission Expires: 2. .. L\.. \ ~
COUNIY Of
UNCOOI
.
IWI Of
W'IOto1M
1M ~ EXPtIIU 2.(W.20U
(Official Seal)
Drafted By:
AFFIXA TlON AFFIDAVIT REGARDING MANUFACTURED DocMagic ~ 800-649-1362
(AND FACTORY BUILT) HOME www.docmagic.com
AARMFBH.MSC 11/21/07 Page 4 of 4
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