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Home My WebLink About946943 -""" 6010917647 RECEIVED 5/6/2009 at 11 :09 AM RECEIVING # 946943 BOOK: 722 PAGE: 165 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000:165 ---.r......þ.............,...._........_........_-............_._.., ...._...,_.~..........~_......... "'_~~"~""""'_"""'M''''"_,, .......................__... "._..'. ..............' .... Return To; I>rcpared By: [Space Above Tills Llue For ReGOrdlug Data) FHA Case No. State of Wyoming MORTGAGE 591-1086779 703 \ \ r: \ THIS MORTGAGE ("Secunty Instrornontll) IS given on MAY 01, 2009 J \i .} \ t' "The Mortgagor is RODOLFO S RODRIGUEZ, A SINGLE PERSON ("Borrower"). This Secunty Instrument is gIven to WELLS FARGO BANK, N. A. , which is organized and eXIsting under the laws of THE UNITE:D STATES 1 and whose address IS P.O. BOX 11 7 0 1, NE:WARK, NJ 071 014701 ("Lender"). Borrower owes Lender the pnncipal sum of ONE HUNDRED EIGHTY EIGHT THOUSAND FOUR HUNDRED NINETY ONE AND 00/100 DoBars (U.S. $ *********188,491.00). This debt is eVidenced by Borrower's note dated the sarno date as this Secunty Instrument (''Notoll), which provídes for monthly payments, WIth the full debt, If not paid earlier, due and payable on MAY 01, 2039 This SecurJty.Jnstrument secures to Lender: (a) the repayment of the debt evidenced by the Note, wIth mterest, and all renewals, extensions and modificatíons of the Note; (b) the payment of all other sums, with mterest, advanced under paragraph 7 to protect the SeCl111ty of this Secunty Instrument; and (c) the perfonnance OQ~6676927 FHA Mort~ðg. . WY VMP '8 Wallo,s KJuwe, Flnancløl SOIYlces NMFL 0322 (WYFM) Rav 6/2008 ~ Rav/led 4/~6 . R{WY) (0603).00 I nlllals: Page 1 of 9 III ~n~ Illnnl ~I ~1~ln (001.66 .........,,.............. _·'h_·.........·.._....__,.._...,,~..,..____,,___...........,_.-..........._.....__............. of Borrow~r's covenants and agreements under this Secunty Instrument and th~ Note. For this purpose, Borrower does hereby mortgage, grant and convey to the Lender with power of sale, the following descnbed property located ill LINCOLN County, Wyommg: LOT 11 AND THE SOUTH 26 FEET, 8 INCHES OF BLOCK 5 OF FAIRVIEW ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTy" WYOMING ,AS DESCRISED ON THE OFFICIAL PLAT FILED AS MAP NO. lea OF THE RECORD S OF THE LINCOLN COUNTY CLERK. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O. BOX 11701, NEWARK, NJ 071014701 Parce1 ID Number; which has the address of 823 ANTELOPE STREET KEMMERER [City], Wyoming 133101 [Streel] [Zip Code] ("Property Address"); TOGETHER WITH all the Improvements now or hereafter erectod on tbe property, and aU easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Secunty Instrument. All of the foregoing is referred to in this Secunty Instrument as the "Property." BORROWER COVENANTS that Borrower IS lawfully seized of the estate hereby conveyed and has the fIght to mortgage, grant and convey the Property and that the Property IS unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all c1anns and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for natíonalllse and non-umform covenants with !Umted variations by junsdictJ.on to constitute a. umform securIty instrument covering real property. Borrowor and Lender covenant and agree as follows: UNŒORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and juteœst 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 th~ principal and interest as set forth In the Note and any late charges, a sum for (a) taxes and special IlSsessments levIed or to be leV1ed agamst the Property, (b) leasehold payments or ground rents On the Property, and (c) premrums 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 stiU held the Security Instrument, each monthly payment shall also Include either: (i) a sum for tho annuaJ mortgage Insurance premIUm to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortga.ge Insurance prenuum if this Secunty 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 caned "Escrow 'Items" and the sums paid to Lender are cal1ed "Escrow Funds," FHA Morlgago . WY VMP @ Woltar. Kluwer Financial Sarvlcas S!:1!1~ Ravlsed 4/116 'IR(WY) (OBOQ .00 Inmals: Paga ~ of 9 (;1001.67 """""'''~J,....'.............,·__..........u M_~'_"''''''. "__ .....".h........,......"..._.._....,__....U.A....~'" ......_~..._.__-...._-.__...._ _____.........._................ Lender may, at any time, col1ect and hold amounts for Escrow Items III an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate SettlementProeedures Act of 1974, 12 D.S.C. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time C'RESPAIJ), except that the cushion or reserve permitted by RESPA for unanticIpated disbursements or disbursements before the Borrower's payments are available III the account may not bo based on am01mts due for the mortgage msurance premIUm. If the amounts held by Lender for Escrow Items exceed the amounts perrmtted 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. 111e Escrow Funds are pledged as additional secunty 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 remaimng for all installment ite1I).S (a), (b), and (c) and any mortgage InSurance prémium Il1stallment that Lender has not become obligated to pay to the Secretary, and Lender shall, promptly refund any excess funds to Borrow{jr. Immediätely prtor to a foreclosure sale of the Property or its acqUIsition by Lender, Borrower's account 8hal1 be credited WIth any balauce remamIng for all inst&J,lments for Items (a), (b), and (c). 3. Application of Payments. All payments und{jr paragraphs 1 and 2 shall b{j 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 ass{jssments, leasehold payments or ground rents, and fire, flood and other hazard insurance premIums, as requIred; Third. to mterest 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 10 eXlstence or subsequently erected, agamst any hazards, casualties, and contingeJlcleS, Including fire, for which Lender requIres insurance. This InsuranCe shall be ma:intained in the amounts and for the penods that Lender reqUires. Borrower shall also insure all Improvements on the Property, whether now III eXIstence or subsequently erected, agamst loss by floods to the extent reqUIred by the Secretary. All insurance shall be earned with companies approved by Lender. The msurance policies and any renewals shan be held by Lender and shall include loss payable clauses m favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shan give Lender immediate notice by mall. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorIzed and directed to. make payment for sucb loss directly to Lender, Instead of to Borrower and to. Lender Jomtly. An· or any part of the Insurance proceeds may be applied by Lender, at Its option, eIther (a) to the reduction of the mdebtedness under the Note and this Secunty Instrument, first to any delinquent amounts applied in the order 111 paragraph 3, and then to prepayment of pnnclpal, or (b) to the restoration or repaIr of the damaged Property. Any application of the proceeds to the pnnclpal shall not extend or postpone the due date o.f the mQnthly 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 mdebtedness under the Note and this Security Instrument shall be paId to the entIty legally. entitled thereto. In the event of foreclosure of this Secunty Instrument or other transfer of title to the Property that extinguishes the mdebtedness, all ngbt, title and mterest of Bo.rrower m and to Insurance policies in force shaU pass to the purchaser. C~~ ~rtgago . wy Wollar.¡ Kluwer Flnonot.1 So"'lcn ~ Rovl.od4IÐ8 4R(WYI (0803 .00 Inl~als:· Pao. Yor 0 .~ ÜOö:168 ..---......,...."..-.................,.......... ......~.... ..... ..... -., .. ~,,"', .,,~,~_......._~...... ............ n' ,.........,..._.........._,...,__~.,... ._.......~......................___ ...__~_"... _'" ....... 5. Occupancy, Preservation, Maintenance and Protection of the Property; ßorrowerts Loan AppJicatlon; Leaseholds. Borrower shall OCClJPY, establish, and Use the Property as Borrower's prmcipal residence Within sixty days after the executwn of this Security Instrument (or withín sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's prmcipal residence for at least one year after the date of occupancy, unless Lender deternunes that requirement wlll cause undue hardship for BOlTower, or unless extenuating ClrCUIJ1stanoes eXist which are beyond Borrower's control. Borrower shan notify Lender of any extenuating OIrcumstanees. Borrower shall not commit waste or destroy, damage or substantially change the Property or aUow the Property to detenorate, reasonable wear and tear excepted, Lender may inspect the Property if the Propel'ty IS vacant or abandoned or the loan IS in default. Lender may take reasonable àction to protect and preserve such vaoant or abandoned Property. Borrower sh.all also be 111 default if BOlTower, during the loan applioation process, gave matenally false or Inacourate mformation or statements to Lender (or failed to pt'oVIde Lender With any matenal mformation) in oonnection wIth the loan evidenced by the Note, Including, but not limited to, representations concernIng Borrower's occupanoy of the P¡:operty as a. pnncIpal res1dence. If this Secunty Instrument IS on a leasehold, Borrower shan comply with the provisIons of tbe lease. If Bortower acqurres fee title to the Property, . the leasehold and fee title shall not be merged unless Lender agœes to the merger in wnting. 6. Condemnation. The proceeds of any a.ward or claim for damages, direct or consequential, in connection WIth any condemnation or other taJeing of any part of the Property, Or for conveyance in place of oondemnation, are heœby assIgned and shall be paid to Lender to the extent of the full amount of the mdebtedness that remains unpaId under the Note and this Secunty Instrument, Lender shall a.pply such proceeds to the reduction of the mdebtedness under the Note and this Secunty Instrument, first to any delinquent amounts applied In the order provided In paragraph 3, and then to prepayment of pnnoIpal. Any applioation of the proceeds to the principal shal1 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 exoess proceeds over an amount requIred to pay all outstanding Indebtedness under the Note and this Secunty Instrument shall be paId to the entity legally entItled thereto. 7. Charges to Borrower and Protection of Lender's Rigl1ts in the Property. Borrower shall pay aU governmental or mUniClpal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations On time directly to tIle entity which 18 owed' the payment. If failure to pay would adversely affect Lender's mterest in the Property, upon Lender's request Borrower shall prompt1y furnIsh to Lender receIpts evidencmg these payments. rf Borrow.er fails to make these payments or the payments reqUIred by paragraph 2, or fails to perform any other covenants and agreements contained in tWs Secunty Insttument, or there ¡s a legal proceeding that may sIgnifioantly affect Lender's rights in the Property (such ~s a. proceeding ill 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 nghts III the Property, IDc]uding payment of taxes, hazard insurance and other 1tems mentioned in paragraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this Secunty Instrument. These amounts shall bear mterest from the date of disbursement, at the Note rate, and at the option of Lender, shall be Immediately due and payable. Borrower shan promptly discharge any lien which has pnority over this Seourlty Instrument unless Borrower: (a) agrees 111 writing to tbe payment of the obligation seoured by the lien In a manner acceptable to Lender; (b) contests lI1 good faith the lien by, or defends against enforcement of the lien ln, legal proG.eedings which ín the Lender's opiniOn operate to prevent the enforoement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the ]jen to tWs Secunty Instrument. If Lender detenmnes that any part of the Property IS subjeot to a lien which may attain pnonty over this Secunty 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. FHA Mor1G~go . Wy VMP ® Woll.", KJuwor Flnonclol Servlc.. ':iZi# Revised 4196 . 4R(WY) (0803).00 InIUal.: Payo 4 of 9 000169 8. Fees. Lender may collect fees and oharges authonzed by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as lírnited by regulations Issued by the Secretary, m the case of payment defaults, requm~ immediate payment in full of all sums secured by this Secunty Instrument ú: (I) Borrower defaults by failing to pay ill full any monthly payment required by this Security Instrument prIor to or on the due date of the next monthly payment, or (ii) BOlTower defaults by failing, for a penod of tbirty daY8, to perform any other obligations contained m this SecurIty Instrument. (b) Sale Without Credit Approyal. Lender sban, if permItted by applicable law (including Section 34l(d) of the Garn-St. Germam Deposito¡y InstitutlOns Act of 19B2, 12 V.S.C. 170Ij-3(d» and with the pnor approval of the Secretary, requlre IDlmediate payment in full of all sums secured by this Security Instrument If: (i) All or part of tbe Property, or a bemeficlal interest m a trust ownmg all or part of the Property, is 80ld or otherwise transferred (other than by devise or descent), and (li) 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 WaÎYer. If Circumstances occur that would permit Lender to requrre mlInediatepayment in full, but Lender does not requue such' payments, Lender does not wa.1Ye Its nghts with respect to subsequent events. (d) Regulat.lons .of BUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's nghts, In the case of payment defaults, to requrre immediate payment in full aDd foreclose ú not paid. This Secunty Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that ¡fthis SecuJ:ity In.strument and the Note are not determined to be eligible for msurance under the National Housing Act within 60 days from the date hereof, Lender may, a.t Its optIOn, reqUlro unmediate payment in full of all sums secured by this Secunty Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declinmg to insure this Security Instrument and the Note, shall be deemed conclu~ive proof of such ¡nelig¡bility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavallabUity of insurance IS solely due to Lender's failure to remit a mortgage UlSurance prem1Um to the Secretary. 10. Reinstatement. Borrower has a nght to be reinstated if Lender has requITed Immediate payment in full because of BOlTower's failure to pay au amount due under tbe Note or this Security Instrument. This tight applies even after foreclosure proceedings are mstituted. To reinstate the Secunty Instrument, Borrower shall tender m a lump sum aU amounts required to brmg BOlTower's account current mcluding, to the extent they axe obligations of Borrower under this Secunty Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon remstatement by Borrower, this Security Instrument and the obligations that It secures shall remam in effect as if Lender bad' not required Immediate payment In full. However, Lender ]$ 110t 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 currenteforeclosure proceeding, (ii) remstatement will preclude foreclo&ure on different grounds 1D the future, or (iii) reinstatement wIll adversely affect the prIOrIty of the lien created by this Secunty Instrument. FHA MoJlgage - WY VMP @) Wollo,. Kluwer FIMI\CIaI SeNlc... ~ j '}Il. Revised 4/96 , 4RlWY) (0803 .00 Inlllol., Pogo ~ of g (,,001. 70 _P."'~L~"'_"""_""_,, '" ..'.._~_. ............. ........, .,..~~............_."....~_... ...~ __n.'..................--...__....---........... ..,........... _....... 11. Borrower Not Released; Forbeal'ånce By Lender NoLa Waiver. ExtenslOn of the hme of payment or modification of amortization of the sums secured by this Secunty Instrument granted by Lender to any successor m mterest of Borrower shaH not operate to release the líabí1ity of tJ:J.e onginal Borrower or Borrower's successor In roterest. Lender shall not be requlIed to commence proceedings against any succeS$or III interest or refuse to extend time for payment or otherwIse modify amortIzation of the sums secured by this Secunty Instrument by reason of any demand made by the ongmal Borrower or Borrower's successors m interest. Any forbearance by Lender In exercising any [lght or remedy shall not be a waiver of or preclude the exerCIse of any nght or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and asSIgnS of Lender and BOlTower, subject to the proVIsions of·paragraph 9(b). Borrower's covenants and agreements shall be Joínt and several. Any Borrower who co-signs this Secunty Instrument but does not execute the Note; (a) is co-sIgning this Security Instruníent onty to mortgage, grant and convey that BOlTower's interest in the Property under the terms of this Security Instrument; (b) IS not personally obJigated to pa.y the sums secured by this Secunty Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear Of make any accommodations with regard to the terms of this SeclJrity Instrument or the Note wIthout tha.t Borrower's consent. 13. Notices. Þuly notice to Borrower proVided for in this Security Instrument shall be glYen by delivering It or by maIling It by first class mail unless applicable la.w requIres use of another method. The notice shall be ctirected to the Property Address or any other address BOlTower designates by notice to Lender. Þuly 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 provlded in this paragraph. 14. Goyerning Law; Severability. This Secunty Instrument shaH be governed by Federal law and the law of the JUrIsdiction in which the Property IS ]ocated. In the event that any proVIsion or clause of this Secunty Instrument or the Note conflicts with a,pplicable law, s\)ch conflict shall not affect other proVisions of this Security Instrument or the Note which can be gíven 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 CO{lY. BOlTower shall be given one conformed copy of the Note and of this Security. Instrument. 16. Hazardous Substanc.es. 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 eJse to do, anything affeci;íng the Property that is In Violation of any EnvlIonmenta] Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of smaU quantities of Hazardous Substances that are generally recognized to be appropnate to normal residential Uses and to mamtenance of the Property. Borrower shall promptly gIve Lender wntten notice of any investIgation, claun, demand, lawsuit or other action by any governmenta] or regulatory agenoy or pnvate party lTIvolvmg the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If BOlTower 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 us~d in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous substalloes by EnvIronmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, tOXIC pesticIdes and herbicId.es, volatile solvents, materIals containing asbestos or formaldehyde, and radioa.çtive matenals, As used in this paragraph 16, "EnYHonmen!a] Law" means federal laws and laws of tbc: Junsdictton where the Property IS located that relate to health, safety or enVIronmemtal protection. FHA Mallgage " WY VMP ® Walle.. Kluwor Financial Sa,."lce. '-A7 j~ Revl,.d 4196 P4RlWY) (0803).00 InlUala: - Page 6 a' 9 úOü1.7:1 _...-....."''''............_........,.'....~........_'............._... ..w,,~·.._.-."'''''-'............._....._......·...,.........''...._.....~_._......J.........._~,_,,,, 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 a.uthonzes Lender or Lender's agents to co11ect the rents and reVenues and hereby cürects each tenant of the Property to pay the rents to Lender or Lender's agents. However, poor to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Secunty Instrument, Borrower shall collect and receive aU rents and revepues of the Property as trush,e for the beMfit of Lender and Borrower. This assígnment of rents constitutes an absolute assIgnment and nota.n assignment for additiom¡.l secunty 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 secmed by the Secunty Instrument; (b) Lender shan be entitled to collect and receNe an of the nmts of the Property; and (c) each tenant of the Property shalt pay all rents due and unpaId to Lender or Lender's agent Oil Lender's wntten demand to the tenant. Borrower has not executed any pnor assIgnment of the rents and has not and will not perfonn any act that would prevent Lender from exercising 1ts nghts under tbis paragraph 17. Lender shall not be reqmred to enter upon, take control of or mamtain the Property before or after g¡.vmg notice of breach to Borrower. However, Lender or a JUdicial1y a.ppomted recelVer may do so at any time there IS a breach. Any application of rents shall not cure or waive a.ny default or mvalidate any other nght or remedy of Lender. This assignment of rents of the Property shall termmate when the debt secured by the Secunty Instrument ís paId in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may inyoke the power of sale and any other remedies permitted by I\pplicable law. Lender shan be entitled to collect all expenses incurred in pursuing t)le remedies proYided in this paragraph 18, including, but not limited to, reasonable attorneys' fees and costs, of title eYidence. 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 shaH give notice of the sale to Borrower in the manner provided in paragraph 13. Lender shall publish the not~ce of sale, and the Property shan 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 shan be applied in the foUowlng 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 Lenderts 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 ForeclosureAct of 1994 ("Act")(12 D.S,C. 3751 et $eq.) 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 II Lender under this Paragraph 18 or applicAble law. 19. Release. Upon payment of all sums secured by this Secunty Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 20. Waivers. Borrower walves all nghts of homestead exemption III the Property and relinquishes all nghts of curtesy and dower m the Property. 21. Riders to this Security Instrument. If one or more nders are ex;ecllted by Borrower and recorded together with this Security Instrument, the covenants of each such nder shall be mcorporated roto and shall' amend and supplement the covenants and agreements of this Secunty Instrument as 1f the nder(s) were a part of tþ.is Security Instrument. [Check applicable box(es)]. D Condonunium Rider D Planned UUlt Development Rider o GTowing EqUIty Rider D Graduated Payment Rider D Other (specIfy] FHA Mortgage - WY VMP iII Waite.. KkJwer Flna"clal SeNlc.. ~ Revised 4/96 P4RlWY) (OB03 .00 1"IUols: Þogo Vof 9 6)001.72 _'II.l£.......,·.._.........--....".,.....~r~_... BY SIGNING BELOW, Borrower ac«epts and agrees to the terms contamed in this Sccunty Instrument and in any nder(s) executed by Borrower and recorded with it. Witnesses: (Seal) -Borrower (S eal) -Borrower (Seal) -B OITOWer ~~~j, ~4~ RODOLF S RQDRIGUEZ ' (Seal) -Bonower (Seal) -Bo:c:ower (Seal) -Borrower (Seal) -Bo:c:ower (Seal) -BonoWIn' FHA III\OItgago . WY VMP II§) Wollal1l Kluwar FlnanÇal Services ~ F\ovlaod 4/ge P4R(WY (0903).00 In ilia,": ~.g. 8 of 9 C;¡Ov1. 7;) . ·.....··.t. 1'.." _.,.. ......... . . ...........~,..~ .... ',""y, .........".. ,. ................,"'~. .~......... ~ I~.............. .._.... STATE OF WYOMING, Lincoln County ss: This Instrument was acknowledged before me on MAY 1ST ( 2009 by RODOLFO S RODRIGUE Z My CommisslOn Expires: ôdb~ all ~-~ ' . _¿ ~ ~ Notary Public C...- LORI KALAN - NOTARY PUBLIC COllNTY OF,' STATE OF LINCOLN WYOMING <C'.~. ~.~gO.~~~\~?~1:~~~;!1~ FHA Mor1gag. . wy VMP c¡¡¡ Woller. Kluw.r Financial S·.rvlc.. ~ Reviled 4111ij MP4R(WY) (0803 .00 InlOals: . Page ~ of g