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HomeMy WebLinkAbout872709After recording return to: CITIFINANCIAL, INC. 2287 E 17TH ST IDAHO FALLS ID 83404 which has the address of 3191 COUNTY ROAD 110 Wyoming 83128 (herein "Property Address 872709 MORTGAGE THIS MORTGAGE is made this 13th day of April WADE E GRISAMER AND JENNI L GRISAMER, HUSBAND AND WIFE ETNA Wyominin 24 1/98 Original (Recorded) C$ranch) Copy (Customer) RECEIVED LINCOLN COUNTY CLERK 01 APR 17 PH 2 :37 JEAN NE* WAGNER KEMMERER, WYOMING 1300K462 PR PAGE 6 0 9 2001 between the Mortgagor, (herein "Borrower and the Mortgagee, CITIFINANCIAL, INC a corporation organized and existing under the laws of Maryland whose address is 2287 E 17TH ST IDAHO FALLS ID 83404 (herein "Lender WHEREAS, Borrower is indebted to Lender in the Principal sum of U.S. 13,195.59 which indebtedness is evidenced by Borrower's note dated 04/13/2001 and extensions and renewals thereof (herein "Note providing for monthly installments of principal and interest, with the balance of indebtedness, if not sooner paid, due and payable on 04/20/2006 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with the interest thereon; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in the County of LINCOLN State of Wyoming: PART OF THE N1 /2N1 /2SE1 /4NE1 /4 OF SECTION 26, T36N R119W OF THE 6TH P.M., LINCOLN COUNTY, WYOMING BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT WHICH IS THE SOUTHEAST CORNER OF THE N1 /2N1. /2SE 1/4NE1/4 OF SAID SECTION 26 AND RUNNING THENCE N 89 DEGREES 59'23" W, 528.33 FEET; THENCE N 0 DEGREES 27'24" E, 166.40 FEET; THENCE S 89 DEGREES 59' 42" E, 528.80 FEET; THENCE S 0 DEGREES 17' 38" E, 166.35 FEET, MORE OR LESS TO THE POINT OF BEGINNING TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold) are hereinafter referred to as the "Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record. 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Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the exercise of any such right or remedy. 11. Successors and Assigns Bound; Joint and Several Liability; Co signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co -signs this Mortgage, but does not execute the Note, (a) is co- signing this Mortgage only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this Mortgage, (b) is not personally liable on the Note or under this Mortgage, and (c) agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of Federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property. 16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Mortgage. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Mortgage. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the nonexistence of a default or any other defense of Borrower to acceleration and sale. If the breach is not cured on or before the date specified in the notice, Lender at Lender's option may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees. 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 mail a copy of a notice of the sale to Borrower in the manner provided in paragraph 12 hereof. Lender shall publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law. Lender or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all reasonable costs and expenses of the sale, including, but not limited to, reasonable attorneys' fees and costs of title evidence; (b) to all sums secured by this Mortgage; and (c) the excess, if any, to the person or persons legally entitled thereto. 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Hats lamoa.tog `tioeazq 5,1amou0g o1 anp agEgpojAJ spy £q pamoas sums all 3o 110'1n.10103ov s,aapua' gutpug3sg1tmloN •a ;elsutag o; ;Ora s,aamoaaog •gi 7.: T 9 T00Z /£T /170 Lt6I0Z (gig 4 Xiimuotuuaiuj) (gapsooag) ZtauTBT10 86/1 17 8111mo,CM 21awsI2io aQ 1M MD '1 INNSP JENNI L GRISAMER WADE E GRISAMER 0S71/°4709 REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, with a copy to P. O. Box 17170, Baltimore, MD 21203, of any default under the superior encumbrance and of any sale or other foreclosure action. IN WITNESS WHEREOF, Borrower has executed this Mortgage. Idaho STATE OF W by Te n trit L ittn r !sec kLt AL -6r l a [person acknowledging] The foregoing instrument was acknowledged before me this WITNESS my hand and official seal. My Commission expires: Wyoming 26868 4 1/98 BY: TITLE: FOR: The undersigned notary public witnessed the execution of this Certificate of Discharge by for day of 201947 04/13/200 County ss: i� 260/ [e] 613 Borrower 41,1 Notary Pe1ic a O? -4 �X k J F� L P CERTIFICATE OF DISCHARGE This certifies that a mortgage or deed of trust (as the case may be) from to dated and recorded in book of on page has been fully satisfied by the payment of the debt secured thereby and is hereby canceled and discharged. Notary Public Original (Recorded) Copy (Branch) Copy(Customer) (Space Below This Line Reserved For Lender and Recorder) on this Page 5 of 5 614 ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made this 13th day of April 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage or Deed of Trust (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Disclosure Statement, Adjustable Rate Note and Security Agreement (the "Note to C ITIFINANCIAL, INC. (the "Lender") of the same date and covering the property described in the Security Instrument located at: 3191 COUNTY ROAD 110 ETNA, WY 83128 (Property Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. Additional Covenants. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: INTEREST RATE AND MONTHLY PAYMENT CHANGES: The Note provides for an initial interest rate set forth in the Note. The Note provides for changes in the interest rate and the monthly payments, as follows: The interest rate Borrower will pay may change on the 24 month anniversary of the Date of Note and every 6 months thereafter. Each date on which Borrower's interest rate could change is called a "Change Date." Beginning with the first Change Date and every 6 months thereafter, Borrower's interest rate will be changed to the Index Rate plus a margin as set forth in the Note. The "Index Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the calendar day immediately preceding the Change Date; or, if the index was not published on that day, that rate on the next preceding day on which it was published. ALTERNATE INDEX: If the Index Rate is no longer available, Lender will choose a new Index Rate which it believes will most closely approximate the former Index Rate. LIMITS ON RATE CHANGES: The maximum and minimum interest rates during the life of this loan are set forth in the Note. MONTHLY PAYMENTS: Principal and interest shall be payable in consecutive monthly installments. If the rate of interest changes, the number of monthly payments will not change. The amount of the monthly payments will change to the monthly amount needed to repay the remaining unpaid principal balance plus interest as changed in the remaining number of payments, assuming that all payments due after the calculation are made are paid as scheduled. The first change, if any, in the monthly payment amount will become effective on the 24 month anniversary date of the first payment due date. Subsequent changes in the monthly payment amount may occur on the payment due date every 6 months thereafter. Each new payment amount will remain in effect until the effective date of the next payment change. DEFAULT: If Borrower fails to pay any payments when due, Lender may exercise any remedies permitted by the Security Instrument in the case of default. By Signing Below, Borrower accts and agrees to the terms and covenants contained in this Adjustable Rate Rider. Seal) (Seal) Borrower Borrower 29998 9/2000 Original(Recorder) Copy(Branch) Copy(Customer)