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Home My WebLink About87230111 0P1 '1 61' 1111 11 1 L0 /L L90S =OA 1 III i 1II3)1 NN\/: r Z1V11 10 11 `1U310 1\11000 11 :rti Z91008) SWFJOd 3OVOItiOV dV A Maim! 9 L la L 86ed L0'14000) (AM)td9 Z (00 /I t) QLLLAMdNI SIl3W HAM 1N3Wf HISNI INHIOJINfl ae!A1 e!ppaid /aeIN a!uued- Al!wed 9 1 611 !S-JNIWOAM 'S12141 (888) ']al `9ZOZ IOS8b I AI `lu ?Id `9ZOZ xog 'O'd jo aagtunu auogdalal pug ssaippg ug sgg pug `aagtaglaQ Jo smut agl aapun 8utlstxa pug pazIug2io st slow •luatunalsul ,fllanaaS sigl aapun aa8e8laozu agl sl sum •su8tssu pug saossaoons mapua-] pug iapua-I .zoj aautuzou g sg /Claps 8utlou st lout uotlgaodaoo algiudas u sz •ouI `stualsiiS uopg1lst8ag ozuoaloalg a8g8PoYAl st „S)Igjk„ (D) •luatunalsu] Alt.znaaS sail aapun aoaattotu alit st 1 MOLIog S 3IM QN'd QNKgSf1H HEOVW D HSSENZ I'IS QNV SSDVW D NNS'IO st „aattoaaog„ (g) •luatunoop stgl of saapz2I Tin tplm iagla2o1 '100 Z Cla E Z HDIIVW polyp st g3U M luatunoop sup smut luaumalsul £atanaas„ (y) •9t uotloaS ut paptnoad min Ole luau noop sail ul pasn spiont Jo a8usn aril 8uIple8a I saln.I uzgl.zaj •1Z Puu OZ '81 '£1 T 1 suotloaS ut paugap aig Spion& .Iaglo pue Molaq paugap azg luatunaop sup jo suopoas a]dtltntu ut pasn spaoM £Z£i-966ZtV09Z9000t MIY�I L c 1DVd xd T9ti NOOI] LDVOLL IOY Al IOOZL8 SNOLLllNIdgQ 314 03V9i t 1 ig_ 7 060 33S 9 1 Po W sign [mg Su!paoaag and aufI slut, aeogy ands] 3t. OVZSL XI 'saiTpa ()Sit a ;TnS 'GATar mnzon0 OSBVt 3(loMlaN jvtourut3 sbutmo3amoH :gig pa1gdald Z raegwnN ueo1 £Zi'SS NW •s!sodeauum 001 •a1S 'Sulsso.Lj mil:wow auo au! 'KionuaN !e!auem3 s8u!woDatuoH :oj, uanlag 08'74301 (D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC. Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is 14810 QUORUM DRIVE, SUITE 450 DALLAS, TX 75240 (E) "Note" means the promissory note signed by Borrower and dated MARCH 23RD 2001 The Note states that Borrower owes Lender EIGHTY NINE THOUSAND SIX HUNDRED TEN AND NO/1 0 0 Dollars (U. S. 89,610.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 1ST, 2031 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: MFWY7770 (11/00) 041- 249643 -2 i) 6A(WY) (000501 Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to ail requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Initials:, (1 1 C. I 1 378 Form 3051 1/01 LO /L L9O£ mod 9l ►o g a6ad 1.0(5o00) (AM)V9- Z (00 /II) OLLLAM3N1 .;iCuadoid !gal ;Iupaanoo mammal! Atpnoas uuo ;tun z attupsuo3 0l uotlolpsrznf Aq suotlet.z2n painutl ikon s3UUuanoa uLloJiun -uou pull asn luuotfuu Joj sluuuanoo uuoJtun sautqutoo 1NTI'1MILLSNI AIIUIf10IS SIH.L 'pima! jo saougiqumoua Aug o1 toafgns 'spugutap pure sunup ]lit lsutugu £uadoid ail of arm ail AIlezaua puajap !pm pug sumuum zamortog •paooat jo saouuaquunoua aoj ldaoxa `paaaqumouaun s! Auadoid am mit pug ,ivadotd agi Aanuoo pug 1uuh� `a2g21ouz of 1g5u ag sEg pug paAanuoo igazagawls° ag1jo pastas illn3MUl st d0m0l.I0g lugs S,LAIVN AOO 2IIMOU12IOH luaunutsul AipnoaS s]gl Sutlaougo pull gutsgapi 'ot painull uou 3nq iutpnioup iapua-1 jo paztnbaa uopog Auu aalet 01 pure :A1.Iadotd ag1 Ilan pug asoloatoj 01 1g;Iu aup '01 paittu!! toll inq `2utpnlout 'ma'am asogl jo liu .to Sur astotaxa of :1q$u am snit (su;Ilssg pug siossaoons s,aapua-1 pull aapua'l aoj aaututou sit) sum 'worm .to mul gltm dldutoo of klussaoau jt `1nq luauttulsul 'Ctunoas stop ut ramorrog paluui;I ma'am am 03 alai iu$al Apo spot S?IdW tugs saaigg pug spueisiapun zamonog „•,ivado1d„ am su luautnalsul kunoas spat uI 01 paaaajaa sp gupoSatoj ail jo !Ty •tuaumtlsul Al inoaS spit Aq patanoo aq oslu [legs suop]ppu pug sluauzaoulda.z 'Auadoid agt jo Ind g iajuaiag .10 mou saanlxtu pug `saouguaunddu `sluauzasua IIu pure `Cuadoid ail uo patoaza zal3uatag .10 moll sluautano.1dun am. Iie HIIM 2IdH 2OOJ „ssa.Jppv Auadold [apo0 d!Zl OTT 8 2tt!LII0I M [40] NO L V [aaa.OS] Qv02I d00 2I3TIIW IL Jo ssa tppg am sgq ICllua t.Ino gomm 00 0 0 T 0 S Z 6 T Z caqum] QI pond dOS2i3HS IVId 'IVIDI330 HILL NO QEHIlIDSSQ SV ONIWOXM 'XLNflOD N'IOONI'I 'NOISIAIQS(1S 2I3TIIW HILL 30 LO'I [uono!ps!lnr Su!piooau jo aweu] [uopowspnr 2u!paooau jo ad,Cy] N'IOONI'I Jo AZN 1QD ag1 u! pa1uool Apadoid pagposap 2upmollo3 ail 'Nu 3o aamod g3pM 'slow Jo su2psse pull siossaoons ail 01 pull (su2issu pug siossaoons s,iapuarl pug iapual ao3 aaunuou su Aigios) slow 01 Sanuoo pull 1uu.I5 `afu;IUotu Aga.Iaq saop 1 M0J.I0g `asodind spit Jog •310N aqi pull 1uaIIItuisul Allmon s]gl .Iapun sluauzaa.I;Ig pull sluguanoo s,aamouog Jo aouuuuo31ad ag1 (tt) pug :a10M atp Jo suopuogppouz pull suotsuatxa `slumauat Hu pug `uuoi ag13o 1uauladaz agi (t) :.zapua-1 01 smogs luauzn.1lsul'ClunoaS sptu, L2Igd02Id HILL I II SIHDRI 30 ?IddSAIVILL •luauznatsul ISlpanoaS stgl Jo /pull atoN ail iapun suopu2tlgo s,zamouog pautnssu suit 1uud fait uou .10 Jaglagm `Iivado.Id agi 01 app ualuf sag lugt iiuud Auu swam aamoaaog Jo isaaaiuI ut aossaaans„ (j)) 4 087•4 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts MFWY7770 (11/00) 041- 249643 -2 (Sp -6A(WY) (00051.01 Page 4 of 15 Initials: r) r, L) (.s e .Q.‘ Form 3051 1 /01 LOU L50£ uuod r0(, L �\a.{�aleltlul 9 L io g eBed 1019000) (AM)v9-® Z-£ti961'Z ib0 (00/11) OLLLAMdNN am Wm/clump! aotlou u ammonia ants iCew mapual `ruawtulsuj Alimoas sign mano Xluoud uiullu uua gOtgM uaij g of pafgns si iipadomd aql jo pad Atm it sautttualap mapua-j 31 •luawnmisuj Ammon sigl or uatj aql Suileui mapua-j o1 Amologjsugs luawaa1Se ue gap alp jo mapjoq attl woa3 sainoas (o) .to :papnjouoo are s utpaaootd gons ulun /quo lnq `Sutpuad ame sSuipaaootd sop mph mil aql jo ruawaomojua aql ruanamd of alu.iado uoiuido s,mapual ut gpigM sSuipaaooid jgSaj `ui gap agl jo luawaaiojua lsut 2e spuorap 10 `4 gltu3 pooS ui uatl aq1 sisaluo° (q) :luawaaiSu irons Sutwmojmad st 1 MOZtog sr SUOj os ,Cjuo lnq `mapual Oi ajggldaoog iautrew a ut uaq agl Act paanoas uotp jqo agl jo mauged agl of SutluM ui soar (u) :aamouoa ssajun luawtulsui iClunoas Sim nano iCluoud suq goigm uap fug a ntiostp Ajldwomd jjegs mamonog uopOas ut papinomd .1auuuw aql ui wagl Agd Ijugs maMOUOg 'suiarj Moima On swap asagi lggl luaixa aq1 o,j, .Aug 3t `sluawssassd pug `saad `sang uoilg!OOssy kitintuwoD put; `Aug Jt `iipadomd aql uo mar punoaS 10 Sluaw,Cgd Notional luaunu1suI Alunoas sigl nano dluoud mum tiro gotgm Apadoad am of ajg inquuu suoipsodun pug `smug `sa2mggo `sluawssassg 'saxgl jjg ,igd Timis maMonoa •sua!1 :saS"'u •b °mapuai iiq pjaq spung Atm mamouog o1 pump.' Apdmomd pugs mapuaq luawnalsuj Alimoas stgl pamnoas sums jjg jo Ijtt3 ut luawhd uodn 'swam/Cud i(jgluow Zj uggi arrow ou Ut lnq `ddsgg mink azuepm000g ut ,Couaioijap aql dn a)jew of £IESSaOOU lunotuu agl mapuaq of Cud pegs 13MOIIOH pug 'vdsga paminbam se aamoaaog Ajpou pugs aapuag 'ddsg)I mapun pautjap sg 'Morrow ut ppq spung jo ,Couaiogap g si aaatp 31 °sluaw,Cgd iijgluow ZI um mom ou Ui ing `NdSg)I grim aOUgpaoOOE ui aSgpogs agl dn a?.p u of iii ssaoau lunotmi aq1 aapuaq 01 Sud jjggs aamouog pue 'VdS311 pamtnbaa se mamouog ,Cjjlou pegs aapua-j `Vdsa)I mapun pautjap sr `MO1OSa ui ppq spun3 jo agupogs u sI aaagl3I °VdS31I grim OnuupaoOOU ui spun3 ssaOxa atp 10j lamouog of runoOOU pegs aapua-j 'Vdsa)I mapun pauaap se 'mono tit ppq spung 3o snjdmns g si amp n °ddSd)I iq pannbam sg spung agl jo Sutlun000r junutm u 'amp ln'oi uM `mamonog of an!S pugs mapua7 spung aql uo mud aq pugs maim! lugl `aanaMOq `Sutp1M ui aaar u1O aapua'j pug aaMOaaog •spund atjr uo duping mo lsaiarut ping aaMOaaog ,iud of pamtnbam aq lou pugs mapual `spung mgr uo pi rd aq of maim! saminbam Mg'j ajgEOijddy 10 2uj1!M Ui op= st luawaa121 ug ssajun •a2rego g tons arjgw Ol mapuaI slnui d mui ajgeotjddy pug spung aqr uo msa'arut aamommog shit mapua-I ssajun 'stamp Mo1OSg aql Sut /juan 10 luno3Og Mo1OSa aql SuizAjgug JCjjunutte 'spung agl Sui,Cjddu pug SUipjog moj aaMomaog amp 1011 pugs aapuai •ddsgg aapun paiJtoads amp am Uutjl ram ou sump Mo1OSa aql /Ced of spun j aql A(iddu pugs mapua-j •3Turg ugo'j awog jgmapad Atm Ut 10 (painsui os amu slisodap asogM uopnlpsut ug st mapuarj ji `aapua-j Sutpnj3ui) /CltlUO JO `)Cltjuruawnmrsui 'SouaSr jgaapaj u iiq pamnsui amu sltsodap asogM uoilnipsui ug ut ppq aq pugs spunt U. ajqumijddy grim a3UgpmoOOg Ui asiMmagro 10 small Mo1OSg amnittj Jo samnlipuadxa jo sargwtlsa ajgguosuaa pug glop luann° Jo smug aql uo anp spung jo lunoure aql algwtlsa Ijugs aapual °ddsgg mapun amtnbam tmo mapuaj g IUnotiig umuipmw aqi paaOxa or log (q) pug `ddsa)j mapun poupads amp am lg spung aq Ajddu of aapuaq puiaad of luatOUJns (E) lunoum uu ut spung pjoq pug 1Oajjoo `amp Aire re 'Amu mapua-j uoi1Oas stgI mapun pamtnbam tram ame lugl `slunouze wits ut pug 'spung jjg aapuai of iced limp aamouog `uoiltZOnam wits uodn 'pug Sj uot1Oas grim aOUgp10001 ut uantS oopou a iiq atop AIM lg swap MO1OSa HE 10 Aug of sr aanigM at 1 aAonam eigw mapual •lunotug gons Auu mapuaq of /Cedar or 6 uoiloas mapun paluSijgo aq tram WITS aaMOnog pug lunotur gons Aed pug 6 uot2Oas aapun slggim sli asiaaaxa Arm mapuai 'warp mimosa Ug mo3 anp lunotug agl Agd of sjigj mamouog pug `manirm g o1 rugnsmnd `Xj1oaatp swan Momosg /cud Ol parr2pqo st mamommojf 3I °6 uoi1Oas Ut pasn st 1uawaa1Su pug luguanoo„ asgmgd am sr `luawnmisuj AlunOas situ Ui pauteluoo luawaa1S1 pug laguanoO g aq of pawaap aq sasodmnd jjg 10J jjggs sldtaoaa aptnomd or pug swam/cud gons arjgw of uoilgSijgo s,mamonog °aminbam mapua^j se pouad awtl gons uigliM luaw,fud lions Su!OUapina srdiaOam mapuaq of gsitunj hugs `sannbai mapua-j 3i `pug mapuaq iiq pant1M uaaq sug spung jo 1uawiiud goigM moj small Mo1OSg A tm ao3 anp O8%3 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any. particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with MFWY7770 (11 /00) 041- 249643 -2 CD 6A(WY) (0005)01 Page 6 of 15 Initials: G 1 6iQ, m, 82 Form 3051 1/01 1.011 Lg0£ WJod s!e!3!u! 91. ao L e6ed Lo1g000) (AMIV9 R1W Z t (00 /I i) OLLLAM 1}J ajquuoseaa 2u d (o) pue :lanoo u! tipEadde (q) :luatutulsuj Auinoas snit aano Aluoizd sEu gOtgm uatj pains sums ,iuR ;pup Ed (E) :ol papttutj iou aae mg `apnput ueo suopog s,aapual •,(1Rdoad agl gupteda1 ao /pee Suunaas pee `,ivadoad all jo anjen all 2utssassg lo /pee 2utloaloid Wuipnput 'luaumilsul Alunoas sigl aapun s2g2u puE AI doid all ut Isamu! s,aapua- loaloid o1 aleudoidde so ajgeuoseaa st aanalegm .toj fed puE op hut iapua- uagp quadoad all pauopuuge sEq iannoizog (o) 10 `(suotrejn;Iaa JO smgj 0Oa0J110 of a0 puauitulsuj Animas Sup JOAO iipuoud MIEM /CM 'TORN uaij a jo luautaoaojua aoj `amuajioj io uopzuuzapuoo aoj `alEgoad 'Aoldnnjueq ui 2uipaaooad E se 'Tons) luauitulsuj AlunOas sill Japun sitOp ao /pue Auadoid all ut lsaaalut s,.iapua'I loajjE ApuEOutuais lggnu Imp ;juipaaOOad Taal u st mall (q) 'luamnnsul Altmoas sill ui paurepuoo sluauiaai5E pee slueuanoo all uuoj.iad of sjtu3 aamouog (E) n •luauinalsuI ,flpnaas spy aapun sjOrII pug 4iado.id a III Isamu!' mapuol Jo uotp3apoad •6 •aouapisaa jgdtouud s,aamouog sg Alaadoad OM Jo Xougdn000 s,aamoaa0H Sutuzaouoo suot1Eluasa.Idai 'ol paliuiij lou aae lnq 'apnput suotpuluasaIdaa jeualujAl •uuo -j aql tram uopoauuoo ut (uopEtuaojui jeualEtu glum aapual apinoad of pajtEj so) aapual op spuatuapeps 10 u0ipeuuoJut alemooEui JO `;Iuipuajstiu 'asje3 AjJEUapeut ana luasuoo ao apajmounj s,aamouog gluon JO aam0uog jo uouoaaip all 1E 2uiloE satltpua .JO suosaad iiuu JO aamouog `ssaooad uopEoijddE uuol agl uunp `3t ljnEjap uj aq pugs aamouog •uotpuatjddV UBOI manio.Iaog •g •asnuo ajquuoseat gons ;jut toads uotioadsut ioualut uE ions of .ioud ao jo amp am lE aotlou aamouog ant3 pugs .Iapual •A1.Iadozd all uo sluautanoadun all jo a0ualut atp loadsui Amu .iapua-j `asnuo ajquuosEa.t sell li 3I •,(uadoad aql jo suopoadsut puE uodn saulua ajgeuoseaa a)jetu ,iutu mar slt 10 aapua-j •ttO peaolsaa .JO .nEdat'Tons Jo uopajduioo all .203 uotlaijgo s,aam0a10g JO panatjaa you st aamouog `,(uadoad all 0102s01 so .nuda.I of luatowns lou aae spaaooad uotlEutuapuoo 10 aouEansut alp 3j •palajduioo st 31aom atp se sluatu,ied ssaiSoad jo sauas u ui ao luatuicEd ajduts E ut uot1Eaolsat pee satEdaa all aoj spaaooad asangstp but aapual •sasodand gons 10j spaaooad pasEajaa sEq aapuai ji 'quo duadoad all Suuolsaa .I0 ;Iuutedaa 10j ajgisuodsaa aq jjEgs aamOUOg 'filmdoad all 'Jo SuplE2 all Jo `Ol a2EUIEp llim uopoauuoo ui pigd aae spaaooad uopEutuapuoo 10 aoUU1nsut 31 •a RtuEp JO uotlea0ualap 1atjunj pion 01 paEuiep ji AuadOZd alp atuda.i iipdtuoid jjEgs aamouog `ajgisuaj Aj1EOttuouooa lou st uotlu.IOlsa1 JO .ltuda.I lEgl S uotloas of lusnsand pautuualap st It ssajun •uotptpuoo slt op anp amen ui ;IutsEamap ao 2upuaouapap tuoa3 ,S1.Iadoad alp luanaad Ol aapao ui ,fuadoad all gem= fE'Ts aamouog 'Auado.id all ui 2uipisaa si aamouog lou 10 aallaTM •,(uadoad aql uo atom ptunuo3 10 a2Eaoualap of Ifuadoad at 2 mom quadoid agp 1tEdun JO aftutup 'Aoalsap ion mils 10m0110g 'SU0!3OadSUI :Apaadoad all jo u0ipoojoad pug aouuualutgj(,tj 'uOipgnaasaJd •L •joaluoo s,.Iamo.uog puoSaq aag lotgm istxa saouelsumoap &upenuapxa ssajun a0 `pjagtjlim AjgiiuosEaiun aq lou jjEgs luasuoo gonim Iupum ut saa22E asim.Iaglo aapua'j ssajun 'i(ouedn000 jo amp all imp aea i auo isEaj iu ioj aouaptsaa jediouud s,iamouog sE Auadoad atjp Adn000 of anutluoo pugs puu puaumalsuj Xljtnoas sigl Jo uopnoaxa all nip sAep 09 ut'Tptm aouapisaa pdpuud s,aamouog se £uadoid aql asn pue 'gsijquisa `Adn000 jjEgs 1amouog •,f3uiidnaa0 •9 •anp uaijl IOU ao aallalm luatunalsul XignOas Sti p .JO a2ON a'T1 aapun ptedun slunou1E /Cud 02 ao Apadoad all aaolsaa so itudai op aallta spaaootd aougansut all asn Amu zapua-j •Auadoad all 3o a;IEZanoo alp of ajgeotjddE aaE slg2u pus su 1E3osut `Auadoad alp SuuanoO satollod aouunsui jje iapun (.Iamoaaog Aq pied stuntivaid patuuaun jo punJaa AtE of 1q5U all UEL l aaglo) sl s,aamouog 3o aa'Tlo Aue (q) pug 'puatutulsuj JlunOas sigl 10 alofq aql iapun ptedun slunotug aql paaoxa of lop mot= ug ui spaaooad aOUeansni I(ue op suiSp s,aamoa]og (g) lapua'j of sui3tssE Agaiaq 1 M0aa0g `asimaatjlo a0 ZZ uotloas iapun i paado1d alp saainboR aapuf 3t ao 'lean aa'Tlta uj •uant5 st aOpou all palm ut2aq !pm pouad ARP at(L uumEp all alms puE a2Etpo;Iau Autu aapua•j uagl 'I mmjo E alms 0I pa1a3j0 sett aatugo aouEansut all lu aapuai tu0a3 aotlou g of sicEp 0£ ujllim puodsaa lop saop zamo11Og 3I 'saal=Etu portal pug unup aouEansut ajqujignE ,iug aims pug aluilaau 'ajg Autu aapua- ',cuadoad aql suopuEge aamouog jI •Z uopoas ui 10J paptn0ad .tapto aql ui patjddE aq Hugs spaaooad aOuginsui gons •.tamouog Op pt yd `Aug 3t 'ssaOxa aijl us %3O1, 0 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower, :will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. 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Auadozd a41 3o omit up ssol 10 'uoplotulsap '2upl11 Iz11.red 1130 mono am III •zaMOZrog 01 pied aq Hugs aoutl11q Auy •an(En ul ssol z0 'uo(lotulsap '2uppgi I11Ilz11d 041 azopaq Ajafeipatutti Auadord atl 3o amen 103Izutu zre3 041 (q) Aq pap(A(p amen ut ssOJ 10 `uoponrlsap '8uplu1 j1pred a41 mom Alalgipauuutl paznoas stuns a4) 30 1unOtu11 Igfo1 311 (11) :uopo11z3 8ulMolloJ amt Aq patld!llntu spaaoozd snoauzllaospJA am 30 )enure 041 Aq paonpaz aq Hugs luaumzisul Alunoas s11(1 Aq patinas sums am '8uIIUM ut =au as1MZa410 "zapua-1 put z0M0110g ssalun 'anl11n up ssol 10 'uotlonzisap '8up111) I11tuud 041 mpg Aial11ipatuun luauunnsul Amnon sup Aq paznoas stuns am 30 mourn 041 131141 zai11ar2 10 01 Ignba sI amen ut ssol zo `uopotulsap '8upl11 (Epu11d amt arm() Alaf11tpauutut Auadord am jo anjEn 103lzetu zre3 alp tomm ut Auadozd a41jo amen u( SSOI z0 'uoponzIsap '8up1111 I11Iu11d 1130 lima a41 uI •zaMOZZOg 01 ppld `Aug 3l `ssaoxa am 4IIM `anp imp 1ou zo 10410tH `fuauutuisul A11rnoas s141 Aq paznoas sums am 01 palidde aq imp spaaoozd snoauellaosm all `Auadozd 0111 3o amen ul ssol ro 'uoponzisap '2ul)1El 111101 11 30 Juana amt III uolloas up zo3 papptozd zapzo 041 ut potldd11 aq ((11ps spaaoozd sno0u11llaospl,4 tons •10M0110g 01 pl11d `Aug 3l `ssaoxa 041 4ftM `anp ua41 1ou zo zatlfatM `ivamtulsul Alunoas dull Aq paznoas stuns a41 01 pallddE aq huts spaaoozd snoau11llaosm 0141 'pauassal aq mom A11rnoas s,zapual 10 ajg(sea3 Allgo1ul0uooa 1ou st z(Bdaz 10 uolf11zolsaz 0141131 spaaoozd Snoaugllaosm tons uo dup.= 10 Isazalul Aug zaMOZZOg Awl 01 par aq 1ou huts zapua'l `spaaoozd snoauBllaos1JAI tons uo pled aq Of isazafui sazmbaz M11'l ajgmoijddy ro 8upUM u( ap11tu ST 11101.11001211 ere ssalufl •polaldtuuoo sp ?IIOM am sr S1uau1Agd ssai2ozd jo sauas 11 ul 10 luauuaszngslp aj2ups 11 131 u0p1ZOlsaz pug S1(11daz 041 zo3 Agd Amu zapua'-1 •Alldtuozd ual11uapun aq hugs uopoadsut tons imp paptnozd 'uopoejsl111s s,rapuarl of palald1uoo uaaq s114 311OM a4f a1nsua 01 Auadozd tons loadsul of Alpunu0ddo ire pet set zapua-1 !pun spaaoozd snoauullaost k( tons plo4 0114811 a41 ant! Hulls zapuarl 'pouad uop111zoIsaz pug zl11daz tons 2uunQ •pauassal 1ou sl A11zaoas s,zapua-1 put algls11a3 AII110nuouo0a si zindar 10 uoti11zofsaz 041 3( 'Auadozd 0144) 3o 1111daz 10 uopgzolsar of pallddE aq Huts spaaoozd snoauellaosiJH tons `pa8gtu11p sp Atadozd a41 3I 10pua-i 01 ppld aq Hugs pug Of pau8tssg Agazat 0113 spaaoozd snoauellaosij% ltd •9anlpJao3 :spaaaoad snoausllaasm 3o ;uautu8pssV •II •uop;euputa9; ao uop;ellaauea gaps Jo amp a4; 111 pauaeaun 9a9M ;114; suunputaad aausansut 9;31S;a0y%I Sun 3o pun ;9a e aAlaaaa 0; ao /pus 'AIIsa1letuo ;ne pa ;eunua9; aausansuI agsa ;aolk aq; 9Ae1I o; aousansuI annum aq; 30 uol;sl(Oouna upe;go pun lsanbaa 01 'saansolaspp upsla0a anpaaaa 0; ;Op 941 9pnpu( Sum swap 9sa4J •MMnl aa410 Sun ao 8661 3o ;ay top ;aa ;o1d saauAtoautog aq; aapun aausansuI agn8laoy\l 041 01 ;aadsaa g;(At Sun jp ssq aaAtoaaog slg3pa a4; pawl ;nu lip& s;u0tua0.I 11 flans Sul/ (q) 12. 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 Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to 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 any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer'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 can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall s not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument: MFWY7770 (11 /00) 041- 249643 -2 6A(WY) t0005i.o go Page 10 of 15 Initials: v t 6 Form 3051 1/01 1011. 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Altlnmas silty •uop3nalsuo3 3o sajng :,C1ljigeaanas 3uluaanoD '91 087 388 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes 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; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. 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 (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) 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, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 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Witnesses: MFWY7770 (11 /00) 041 249643 -2 6A(WY) (0005).01 Page 14 of 15 GLENN C MAGEE ELI :f' TH C MAGEE (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1/01 L0 /L L9OE wJoj W D 910 91 abed :ss £iunoD Tf L uToouTZ ZOOZ Z fasnagag LO(9000) (AM) Vg W Z £179617Z (00 /IT) OLLLARvINI :saitdxg uoissiunuoj AI Y p Nn8 i orlon,' AWloN 'MOM A3713NC aaIM QNV QN,KHSf1H aaDVN D HI VZI'IT (INV HHDYW a NNS'IE T00Z 4ZasN 30 /Cup pa£Z SILT auz aiojaq paSpaimouxau svm luauint1sui 2ui0azoJ a M%JThTOAM 30 3.LVIS Torzvio