HomeMy WebLinkAbout872103rs•I‘
This Mort gage
tt iii @t mORTUgU
#02014384
After Recording Return To:
JACKSON STATE BANK
112 CENTER STREET /P.O. BOX 1788
JACKSON, WYOMING 83001
Loan No: 7942942
DEFINITIONS
DAdjustable Rate Rider
Balloon Rider
1 -4 Family Rider
872103
[Space Above This Line For Recording Data]
MORTGAGE
❑Condominium Rider
Planned Unit Development Rider
['Biweekly Payment Rider
t_INCOLP COUNTY CLERK
01 PVT 13 AN 10: 10
t U t N N� a:. w i'� G N i, j:
CatE1y�i l;.RL;:R, WYOMING
BOOK vR P R PAGE___ 7
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certains rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security Agreement" means this document, which is dated March 9, 2 0 0 1
together with all Riders to this document.
(B) "Borrower" is Francisco Martinez Lopez and Leticia Guzman Silva. husband and wife, as tenants
by the entireties
Borrower is the mortgagor under this Security Agreement.
(C) "Lender" is THE JACKSON STATE BANK
existing under the laws of the State of Wyoming.
Lender's address is 112 Center St., P.O. Box 1788, Jackson, Wyoming 83001. Lender is the mortgagee
under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated March 9. 2001
The Note states that Borrower owes Lender One Hundred Forty One Thousand
Seventy Five Dollars and no /100
Dollars (US 1 41 .0 7 5 0 0 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full no later than March 1 2 0 3 1
(E) "Property" means the property that is described below under the heading "Transfer of
Property."
(F) "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.
(G) "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]:
Lender is a State Bank organized and
Second Home Rider
Other(s)[specify]Mortgage Ins.
Rider
WYOMING--SINGLE FAMILY Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 1 of 16 pages)
j- i-1 L. /65
initials
sIeflfui
(setied g Jo stied)
8
104 150E mod IN3WfU1SNI INIiOdINf O L I al
Pa i/aeli aluued— AIIWvd 31ONIS--ONIWOAM
peqposep 6ulnnoIlo} ey; 'eles }O Jemod y ;inn `su6!sse pue sJOSSeoons s,Jepue1 pue Jepue o; Aenuoo
pue ;ueJ6 'e6e6pow )(geJeq seop Jennouoq 'esothnd sly; Job •e;oN ay; PUB ;uewnJ;sul AlpnoeS sly;
aapun s ;ueweei6e pue s ;ueuenoo s,Jennouog }o eouewio}Jed ey; pue'e;oN ay; }o suo! ;eO! }!pow pue
suolsue xe 'sIemeuel lie pue `ueoi ay; }o ;uewAedeJ ay; :Japuel o; saJnoes ;uewni;sul A ;unoeS s!yl
Al1:13dOad 3Hl NI SIHJIH dO a2dSNVW
;uewnJ ;sul
AlpnoeS sly; Jo/pue e;oN ay; aepun suol ;e6llgo s,JennoJJOB pewnsse seq aped ;eql ;ou Jo Jey;aynn
`AJedo.d ey; o; elm ueje; sal Imo Aped Aue sueew „JeMoJJo8 o ;se a ul u! JosseoonS„ (d)
•VdS31:1 Jepun „ueol e6e6pow
pa ;ela. AlieJepe e se /}llenb ;ou saop ueo eql uene „ueol e6e6pow pe;eleJ AlleJepe}„ e o; pJe6eJ
u! pesodw! ale ;ey; suol;ou;sei pue s;uewejlnbej lie o; saa }ei „ydS3a„ ;uewnJ ;sul AlpnoeS sly; u! pesn
sy Je ;ew ;oefgns ewes ay; sweno6 ley; uol ;eln6eJ Jo uol ;eIsl6el Josseoons Jo leuol ;lppe Aue Jo `awl;
o; awl; woJ} pepuewe eq 1y641 Aay; se `(005£ 3Jed 'IT TO VZ) X uol;eln6ed `uol ;eln6eJ 6ul ;ueweldw!
s;! pue (bes ;e 1.09Zss osn Z l) ;od seinpeooid ;uewal ;;eS a e ;s3 leed ay; sueew „VdS3th. (0)
;uewru sul A;unoeS sly; }o 6 uol ;oes aepun siunowe Aue snid 'eloN ey; aapun
;saga ;u! pue Ied!ouud Jo} enp;unowe pelnpegos Apeln6ei ay; sueew „luewAed olpolJeth. (N)
•ueol ay; `uo ;ine }ep
Jo }o ;uewAeduou eql lsule6e Jepuel 6ul ;oe;oJd eoueansul sueew „eoue. nsu! a6e6po011„ (IN)
•AlJedoad ay; }o uol ;lpuoo Jo /pue amen ay; 'o; se suo!sslwo
Jo }o suOl ;e;uaseJdOJSlw (Al) Jo 'uol ;euwepuoO 10 nail u! eoueAeAuoo (v !Auedo.1d ey; }o ied Aue
Jo lie }o Jey ;o Jo uol ;euwepuoo ')(pedoid ay; }o uol;onJ ;sap Jo `o; e6ewep 'JO} (9 uol;oeS
u! paquosap se6eJenoo ey; Jepun pled speeooid eoueinsu! ueqi Jey ;o) Aped pJly; Aue )(q pled spaaooJd
Jo 'se6ewep 10 !lime ';uewelues `uol;esuedwoo Aue sueew „spaaooJd snoeueliaoslw!„ (1)
•6 uol ;oeS u! paquosap sae swe;! esoy; sueew „swell nnoaos3„ (N)
•sJelsue.; esnog6uueelo pe ;ewo;ne
pue `s.elsuet; eJlnn `euoydelel )(q peel ;lu! SJe}SUeJ; 'suoI ;oesuBJ; aulyoew Jalla; pelewo;ne `SJe SuBJ;
ales- }o ;ulod `o; pe !w!! ;ou s! ;nq `sepmou! was; Lions ;un000e ue pen Jo ;Igep o; uol ;n ;l ;su!
le!OUeul} a ezuogine Jo ;onJ;su! `Jepio o; se os ede; ogeu6ew Jo `Je ndwoo ;uewnJ;su! O!uoydeiel
'Ieu!wae; oluoJ ;oo a ue g6noJgl pa ;el ;Iu! s! golynn ;uewnJ;su! Jaded Jellwls Jo }alp ()loop Aq
pe;eu!6uo uoI;oesuBJ; a uey; Jey;o 'spun} }o JelsuBJ; Aue sueew „Ja},SUeJ j Spund oluoJ1aal3„ (f
uol ;ezlue6JO Jellwls Jo uOI ;eIOOSSe sieunnoewoy
`uol ;eloosse wnlulwopuoo a Aq A edoJd eq; Jo JemoJJOB uo pesodw! aJe Imp se6Jego Jey ;o pue
s;uewssesse 'seal `senp !le sueew „s ;uewssessv pue `seed `sena uol ;eloossb b;lunwwo3„
•suoluido Ie!o!pnf a geleedde -uou `Ieu!}
elgeolldde lie se Mann se (Mel }o ;Oe }a ay; aney ley siepio pue seinJ en!;e.;slulwpe pue seoueu!pJo
'suol;eInDeJ `se n ;e ;s !Boor pue ems 'impel algeolldde 6uiiloJ ;uoo it sueew „mei a geoliddy„ (H)
TNYTZLRO
0872103
property located in the County of L i n c o l n
Lot 7, Palis Park Subdivision, according to the official plat
thereof, being part of the N1/2SE1/4 and the SW1 /4NE1 /4 of
Section 29, T37N, R118W, 6th P.M., Wyoming.
which currently has the address of 167 Parkway Drive
[Street]
Alpine Wyoming 83128
[City] [Zip Code]
TOGETHER WITH all improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as "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 warrants and will defend generally 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 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 US 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
and 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
WYOMING SINGLE FAMILY Fannle Mae/Fredle Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 3of 16 pages)
OA-
initials
13 4 9
Sj I//
-5197 77/41
Wed 9; /o y eBed)
8
WM. !SOS Wand 1N3Wn>:I1SNI Wk1OdIN11 OEW aIPPaJd/aeIN eluued AllWVl 31DNIS
aq j 's;uawssessy pue 'seed 'sena uoI ;eioossy Apunwwoo ;eLi; aainbea Aew aapuai
'ueo ay; ;o waa; ay; 6uunp ewi; AUe ;e JO uoi ;eui6!O ;y mama, Pepe° ale swap esegl
•01. uoi ;Oas ;o suo!sinoad ay; y ;iM aouepa000e ui swniweid eoueansui e6e6po j (p) pue :g uoi;oes
aapun aapue Aq pennbaa eoueansui pue )cue ao; swniwaad (o) :Aue ;i Apedoad ey; uo sue
punoa6 ao s ;uewi(ed mimeo! (q) `Apadoad ay; uo aoueagwnoue ao uep e se ;uewna ;sui A;unoes
siy; nano A;uoud uie; ;e ueo LioiLiM swap aey ;o pue s uewssesse pue saxes (e) :ao; anp s ;unowe
;o ;uawAed ao; apinoad o; „spund„ ay;) wns a `pn; uI pied si a;oN ay; pun 'a;oN ay; aapun anp aae
s ;uewAed oIpouad /cep ay; uo aapua o; iced pegs aaMOaaos •suaail MOJOS3 .loj spun •g
•s ;uewAed
oipoped ay; ;o ';unowe ay; a6uego ao 'amp anp ay; auod ;sod JO pua;xe sou pegs a;oN ey; aapun
anp lediouud o; speeoaad snoeuepeosiw ao `speeoowd aoueansu!'s ;uewi(ed ;o uoi;eopdde Auy
•a;oN ay; ui pequosep
se uay; pue se6aey3 ;uewAedaad i(ue o; ;sai; paHdde aq Heys s;uewAedaad fue;unlon anp se6aeyo
ale! Aim o; papdde aq Aew sseoxa Lions `s ;uewAed Oipouad aaow JO auo Jo;uaw)(ed pn; eq; o; pepdde
si ;uawAed ay; ae ;e s;sixe sseoxe )tue ;ey; sue ;xe ay; of •pn; u! pied aq ueo ;uawAed yoee 'mil
;ua;xa ay; o; pue `J! s ;uewAed oIpoued alp ;o ;uewi(edea ay; o; aaMaaaos woa; penieoea ;uew)(ed )cue
Aidde Aew aapuai '6u!pue ;s ;no si ;uawAed oipopad auo ueq; aaow •e6aeyo a ;el ey; pue ;uawAed
wenbu!Iep ey; o; palidde aq Aew ;uawi(ed ay; 'enp e6aeyo awl )cue iced o; ;unowe ;uaioi ;ns e
sapniOU! yo!LiM ;uawded oipoped ;uenbugap a ao; aeM0aaos woa;;uawAed a senieoaa aapuei
•a;oN ey ;o eoueleq ledioupd ay; eonpaa o; ueq; pue ;uawna;sul A;pnoes
aapun anp s;unowe aay ;o Aim o; puooas `se6aeyo pagide aq pays s;unowe 6uiuiewaa
Auy anp aweoaq ;i Low ui aapao ay; u! ;uawAed oipouad Lime o; papdde eq !keys s;uaw)(ed
Lions •g uoi ;oes aapun anp swnowe (0) :e;oN ay; aapun anp ledioupd (q) :a;oN ey; aapun anp ;saga ;u!
(e) :R;uoud ;o aapao 6u!Mopo; ay; ui pagdde aq !legs aapuel )(q papdde pue pa;deooe s ;uawied pe
'Z uoi;oas S Lfl ui pegiaosep es!Maaq ;o se ;deox3 •speeooad ao s ;uewAed uol4gollddy •Z
;uawna;sui i pnoes s q; )(q paanoes s;uawaaa6e pue s;ueuanoo ay; 6u!waopad ao;uawna ;suI
A ;unoes siy; pue e;oN ay; aapun anp s ;uawAed 6up{ew woa; aaMOaaos anepaa Heys aapue1 ;su!e6e
aan ;n; ay; ui ao Mou anvil 146iw aaMOaaos LioIgM wmo ao ;es ;o oN aoud Ala;eipawwi
a;oN ay; aapun aoueleq Ied!ouud 6uipue ;s ;no ay; o; papdde eq !um spun; Lions 'Jape° middy
•aaMOaaos o; way; uan ;ea ao spun; Lions Aidde aay ;ie Heys aapual 'awi; ;o potted algeuoseaa
u!Li;iM os op sou saop aeMoaaos `lueaano ueo ay; 6upq o; ;uawAed swiew aeMOaaoe pun
spun; paijddeun Lions ploy Aew aepuei •spun papddeun uo ;sacra ;uI iced sou peau aepue uay; `esap
enp pappegos s;i ;o se pepdde si ;uawAed oipoued yoee ;j •pa;deooe aae s;uewAed Lions awls ey;
s ;uewAed Lions Aidde o; pa;e6pgo;ou si aepuei;nq `aan ;n; ay; ui s;uew)(ed leiped Jo;uawAed Lions
esn;aa o; s;y6u s;i o; aoipn(aad JO aapunaaaq s ;q6u Aue ;o aanieM ;noy;!M `;uaaanO ueoi ay; 6uuq o;
;uaioi ;nsul ;uawAed leiped ao ;uawAed i(ue ;daooe Aew aapuei quaaano ueoi ay; 6uuq o; ;uaioi ;nsui
aae s;uew)(ed leu ed Jo ;uawi(ed ay; p;uawAed leuped ao;uewAed i(ue wn;aa i(ew aapua1 •91, uoi ;oas
ui suo!sInoad eoRou ey; y ;!M eouepa000e ui Jepuei )(q pe;eu6isap aq Aew se uoi;eoo1 aey ;o Lions ;e ao
e;oN ay; w pa;eu6isep uoi ;eoo! oy ;e paniaow uayM aapuei )(q penieoaa paweap aae swewAed
•aa;sueal spund
Oiuoa;Oa13 (p) ao !Aiwa ao `A;pe;uawna;sui 'Aoue6e papal e Aq paansu! aae s ;isodep asoqm uoi ;nmsui
0872103
85i
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
and 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 due for any Escrow Items for
which payment of Funds has been waived by Lender and, if Lender requires shall furnish to Lender
receipts evidencing such payment within such time period as Lender may require. Borrower's
obligation to make such payments and to provide receipts shall for all purposes be deemed to be a
covenant and agreement contained in this Security Instrument, as the phrase "covenant and
agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a
waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights
under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all
Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation,
Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section
3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender
to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a
lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of
current data and reasonable estimates of expenditures of future Escrow items or otherwise in
accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including lender, if Lender is an institution whose deposits are so insured) or
in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than
the time specified under RESPA. Lender shall not charge Borrower for holding and applying the
Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays
Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an
agreement is made in writing or Applicable law requires interest to be paid on the Funds, Lender shall
not be required to pay Borrower any interest or earnings on the Funds. Borrower and lender can
agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower,
without charge, an annual accounting of the Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account
to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in
escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower
shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in
no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under
RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the
amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12
monthly payments.
Upon payment in full of sums secured by this Security Instrument, Lender shall promptly
refund to Borrower any Funds held by Lender.
WYOMING— SINGLE FAMILY Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 5of 16 pages)
TWIL
initials
s /ep/w
f T o d
(seed 91 /o 9 e8ed)
1.0n 150E wand 1N3WntiJ WtUOdINf pew alPaad/eeIN aluued-- AlIWdd 310NIS--ONIWOAM
•luewAed 6ul4sanba .1 .1aMo .1 .1o8 olJapuei wo.14 eollou uodn ;seJelu! Lions Li41M 'elge)(ed eq Heys pue
luewas.1ngsip 40 amp eql wo .1; alai 040N eq1 le lseJalu! meq !legs slunowe asetu •luewn 4sul )(lun0ag
sly4 )(q pa .1noes .1aMouog ;o !gap Isuo14!ppe awooaq !legs g uopag sly! aapun Japuei Aq pas .1ngslp
slunowe Auy *peule4go eneg pinoo .19M0.1.1o8 4ey4 eoueinsul ;o lsoo eyl paeoxe Al4ueo14lu6is 1y61w
peulelgo os e6eJanoo eoue.1nsui eql 40 lsoo eql ley4 se6peIMowioe .1aMO .1 .1OB 109440 u! Aisnoinaad
SEM usg4 e6s.10no0 JESSE/ .10 Jels0a6 apino .1d ly6lw pue Amu!' .10 p .1eze{ 'ilsl.1 i(ue lsu!e6e Apedo.1d
ayl to slualuoo ow .10 `Alaado.1d 9Li4 u! A4lnbe s,.1aMo .1.1o8 'Jamonog l0a4o .1d lou 1y61w .10 4161w ;nq
`aapuaq JOA03 11egs a6e.1ano0 Lions `alo ;a .1agl •ebe .10no0 ;o lunowe .10 edi(l aeinowed Aue eseLiO .1nd
of uo!le6llgo ou aapun sl .10puei •esuedxe s,JeMono8 pue uolldo s,.1apue le `e6eJanoo eoue .1nsul
uIelgo Aew Japuei `anoge pequosep se65 .1anoo ay4 ;0 /ue u!Blulew of sue .1aMO .1aos 41
•.1aMo.1.1og )(q uol4oafgo ue woi 6uillnsa.1
uoileulw .1a4ep OUOZ pool; Atm 4o M0!ne.1 0144 y41M uo140euuoo u1 A3U96y 1uewe6eueW Aoue6iew3
le .1eped aq; Aq pesodwl sea; i(ue 40 luewAed 0144 .104 aiglsuodsei eq osie !legs JeMo .1.1oe 'uo115o!4u.1eo
.10 uol4euiwJe4ep Lions 100445 41161W i(Igeuoseaa 1101IM Jn00o Sa6 .1e40 .1BHw!s .10 s6ulddewa.1
awll Lima sa6JeLio 4uenbesgns pus SO31A.1es uo!4e0!;p.1eo pue auoz pool4 .104 e6JeLio ew11 -euo a (q)
ao :seoln.1as 6upioei4 pue uolle0l4llaa0 `uol4euiwJelep auoz pool; .10196.1E113 awil -euo e (e) :ieq is `usoi
sl144 won uogoeuuo0 u! `Aed of .1aMouo8 eiinba.1 stew .1apue •Algeuossa .1un peslwaxe eq lou lleys
1116!.1 y0l1M `eologo s,.1aNuJog ano .1ddeslp 04 lg6u s, .1epual 01 l0afgns aaMaJaog Aq uesoyo aq Heys
aoue .1nsui 0144 6uIpino .1d .1a1.1 .150 a0ue.1nsui 0111 •ueo1 0111 40 Waal ay4 6uunp e6usgo ue0 S9Oualuas
6ulpeoe .1d 9141 0l lusns.1nd sa .1lnba .1 .1apuai ls11M *sarbai Japuei 1044 spotted ayl .1o; pus (slave'
algllonpep 6ulpniou!) Slunows 014# u! pauiSlulew eq Heys eoue.1nsu! sly! •aoue .1nsui sa .1lnba.1
g .10; `spoo14 pue Sa){SnbLil.1ee '04 pal!w!1 lou lnq '6ulpnIOU! sp .1ezey .1awlo Aue pue „e6e .1anoo
papua4xa„ wJel ay4 u!114IM pepniou! sp .1ezey 'a .114 Aq ssol 4su!565 pa.1nsui Apedo.1d 0 111 1/0 pa100 .19
aal459.101.10 6ul4slxe Mou S4uawano .1dwl 041 deej Heys aaMO .1 .1os •eoueansui Apedoad •9
•uso- s144 Li41M uol40auuoo ul.1apuel Aq pesn 901n .18S 6u!4.1ode.1
.10 /pue uol4e0l4uan xel ale4sa real a .1o4 a6 .1eyo awl4 -euo e i ed 04 .1aM0 .1.108 a.1inba.1 Aew aepua1
17 uoI40ag sly! u! anogs
yl.1o; las suo1405 ayl 4o BMW a0 euo 9)I 4 .10 ue!l a11l A4sl4es Heys aaM01 .1o9 `uan16 s! 00l4ou 1541 4olyM
uo amp 014 ;o sAep 0l u!g41M 'ua!I 9 141 6 u!I4Ruapl a0l4ou a 10MOaao9 an16 A5W .1apua1 'luawn.14sul
*noes S1111 .18A0 Aluoud ul5445 us0 11014M ue!1 a of l0afgns s! Al.1ado .1d 014 40 ped itus 45144 SOulwaa4ap
.1apua1 41 •4uawn4sui A4!an0es sly4 of uell 0144 6ui4eulpaogns .1apuaI 04 /Gol0e4sl4es lueweaa65
u5 ueii 041 40 .1apIoy 9144 wo .1; s9.1nOes (o) 10 papni0uo0 ale S6ulpaa0o .1d Lions 'Run Apo 4nq
'6ulpued aas s6ulpoeooad now 0114M ue!! ay4 4 4U9w90ao ;U9 9144 luenaad O4 ale .lido uo!u!do s,aapue1
u! y0!1M s6u!paa0oad 15601 'u! uall 0 114 40 luewewo4ua 4su!565 spuejap .10 ')(q Lille; poo6 uI uall
0 114 s4saluo0 (q) :luawaaa6e Lions 6ulw.1oped S! aaMOaao9 se 6uoi os i(iuo 4nq 'aapuai of algeldeooe
aeuuew s u! ueil 944 Aq pe .1noes uol e6Hgo x114 4 luewi(ed 044 0 6u!luM u! s8e .16e (e) .1aMOuog sselun
luawn 4sui Alunoag 51144 JOAO A4u0ud S5y y014M ue!' Aue ebisgoslp )g4dwoad 11eys .10Moa .1o8
•g uoil0ag u! pap!AOJd
JeUUBW 8114 111 way; i(ed 11511s .1aMoa .1o8 'swill Mo .1053 ale swell asay4 45144 ;ualxa 0114 01 •Aue
;i 'SluawssOSSV pue 'seed `sang uo!4510ossy A41unwwo3 pus '/us 4! 'Apedoad 8111 uo Sluaa punoi6 .10
s4uawAed ployaseal 'luawn .1ISUI Alun0es s1114Jam) Aluoud u15445 u50 Liol4M Alaado .1d 014 of alg54nqulle
suol4isodwl pue Saul ;'506.1540 `sluewssasse 'sax54 He i sd Heys .10M01108 •suai- :sa6.WLO •b
t vhs°
08721
853
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 mortgagee 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 mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee.
In the event of Toss, 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 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 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 the
excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for
in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available
insurance claim and related matters. If Borrower does not respond within 30 days to a notice from
Lender that the insurance carrier has offered to settle a claim, the Lender may negotiate and settle the
claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the
Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to
any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this
Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of
unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as
such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds
either to repair or restore the Property or to pay amounts unpaid under the Note or this Security
Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's
principal residence within 60 days after the execution of this Security Instrument and shall continue to
occupy the Property as Borrower's principal residence for at least one year after the date of
occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably
withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall
not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
WYOMING SINGLE FAMILY Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 7 o 16 pages)
of A", 67 5,
initials
slemw
7
(seBed 91 Jog eBed)
LOA LSOC Wand 1N3Wf1H1SNI I hOdINn Sew eIppaa/ae g aluued AIIWdd 31DNIS ONIWOAM
iuewaced 6u14senbea JeMOuog
04 aepuel won; eo14ou uodn ;seJe4ui Lions y41M `elgeAed eq 'legs pue 4uewesangslp ;o amp eq1
won; e4ea O;oN eq1 4seae4ul aeoq Heys s4unowe eseq j •4uewn4sui /41anoes sly; i(q peanoes aeMOaaog
;0 4gep Ieuo141ppe ewooeq lieys 6 uo14oeg sly; aepun aepuei acq pesangslp s;unowe i(uy
•6 uo14oes sly; aepun pezuog4ne
Suo14Oe lie 10 a cue 6u!>ie4 4ou ao; /4glgenl ou sanoul aepue ley; peea6e s1 41 •os op o; uol;e6llgo ao
a3np itue aepun 40U si pue os op o; eneq 4ou seop aepue '6 uoi ;oes sly} aepun uol}oe e>ie4 acew iepuei
g6nog41y ;o JO uo peuan; se14!I!4n 9neg pue 'suo141puoo snoie6uup JO suol4eloln epoo aeg4o ao 6ulpilnq
e;eulwlie `sedid uioa; aa4eM uleap 'sMopu!M pue snoop do paeoq ao eoeidei `s>iooi e6ueLio 'saiedaa
9>iew o; acpedoad eqj 6uiae4ue '04 p941w11 4ou si 4nq 'sepnloul Apedaad ay; 6uunoeg •6ulpeeooad
Ao4dnDiueq a uI uoi;isod paanoes 84! 6uipnioui '4uewna4sul aciunoes s1g4 aepun s4.& ao /pue
Apadoid 0144 ui 4sea04ui s1! 1Oe4oad o; see; s,aceuao4 ;e a geuoseea 6u!Aed (o) pue :4anoo u! 6ulaeedde
(q) :4uewn4sui Alpnoes s!y4 nano ac;Iaopd seq L oiwM uaii e acq peanoes swns ,cue 6ulaced (e) :04 pe4iwii
4ou eae 4nq 'epnloul IMO suo14oe s,aepue1 Apedoad ay; 6uppdea ao /pue 6uunoes pue '/pedoad el-11
;o anien eq1 6uissesse ao /pue 6u140e4oad 6u!pnpu! '4uewna4su1 ac ;woes sly; aepun s4y6p pue i iedoad
ay; u1 4seaelu! s,iepuei 4oe4oad o4 e4epdoadde ao eigeuoseei s! JeneleLim ao; aced pue op acew aepuei
ueq `agaedoad eq4 peuopueqe seq Jemoaaog (o) JO `(suoi4ein6ea JO sMel 83JO4UO 04 ao 4uewna4sui
acjunoes s1g4 JOAO /4la0ud ule41e acew yolgM ueii e ;0 4ueweoao;ue a0; `awn41epo; ao uoi4euwepuoo
ao; 'e4egoad `Ao4dnniueq u! 5uipeeooad se Lions) 4uewna4sui /4unoes s!y4 aepun 54461a ao/pue A;aedoad
eq1 uI 4S9ae4ul sdepuei pep atl;ueo!4!u6ls 4g61w ;eq4 6uipeeoaad ie6ai a s! aney; (q) ';uewna;sul
K4unoes SIg4 u! peu!e4uoo s4ueweei6e pue s4ueuenoO ey; wao}aed 01 siie; ae)v►oaaoq (e) iuewna;sui
Apanaag sly; aepun s44 pue Apedoad aLp Li! Isamu' s,aapuei uoi;3a;oad '6
•eouepisei led!ouiad s,aaMOaaog se agaedoad 8q4
;o acouedn000 S JOMOJJOe 6uiweouoo suo14elueseJdeJ `04 pel!wii 4ou eau 4nq `epnpu! suo14e4uesaadeJ
ielaa4eW
•ueo- 9144 Li4!M uo14oeuuoo u! (uo!lewao;ul iepe4ew Li4iM aepue ep!noad 04 pane; ao) aopue
o; s4U9w94e4s ao uo14ewao;ul e4eanooeul ao '6u!peeisiw `asle; acilepa4ew ene6 4U8S000 JO e6peiMowi
s,JOMOaaog 1441M JO JOMOaaog 40 uoiloaaip 8144 4e 6u14Oe s91414ue ao uosaed acne ao a9MOaaog `sseooad
uo14eolidde ueoi ay; 6ulanp `;I;ine;ep U! eq !legs JeMOaaog •uolleoiiddy ueo s,aaMOaaog •g
•esneo
e geuoseei Lions 6uiac ;pads uo14oedsul aoIae4u1 ue Lions 04 aoud ao ;o awl4 844 4e 8O14oU J8MOaaog eN6
Heys Jepue •ac4aodoad ay} 110 s4uewonoadw! ay; ;o aopelul 8144 408dsu1 acew aepuei `esneo eigeuosee
seq 41 ;1 •/pedoad 844 ;o suoi4oedsul pue uodn s0u4u8 a geuoseaa e>{ew a(ew 4ue6e s;i ao aapue
•uoileaolseJ ao aiedeJ Lions ;o uolleldwoo ay; a0; uO14e611Qo s,aaMOaaog
4o penellea 4ou s! a0MOLog `Apedoad ay} aao4seJ ao aledea 04;uepl;;ns 4ou aae speeooad uoi ;euwepuoo
ao OOUeansul 844 ;i •peleldwoo s! >laoM 0144 se s4uawa(ed ssea6oad ;0 seues a U1 JO 4uewaced
o16uis a u! uo14eaolsea pue saiedea ay; ao; speeooad esangsip acew aepuei •sesodand Lions a04 speeooad
peseelea sey iepue ;I Apo Apedoad 0144 6upo4sea ao 6uuiedea ao; elq!suodsaa eq !legs a8MoL og
`acpedoad 9144 '40 6ui>ie4 014; ao `04 a6ewep Li41M uo14OauuoO UI pied aae speeooad uo14euwepuoo
ao eoueansui ;i •a6ewep ao uo14eao1049p aey4an; pone 04 pe6ewep ;l Apedaid 9144 aiedea ac14dwoad !legs
aeMOaaog `eigisee4 a(IleOlwouooe 4ou Si uo14ea04sea ao J!edeJ 4ey4 g uo14Oes o4 ;uensand peu!wJelep s!
41 sseiun •uo141puoo s41 04 enp omen u1 6uisee.Oep ao 6u14eaopelep won; ac4aodoad 8144 4uenead 04 Jepao
Li! Apedoad 0144 ule4uiew Heys J0MOaaog 'ac4a0doad 0144 u1 6u1p!sei s! a9MOaaog 4ou JO JOL 4OyM •ac4aedoad
08'71
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of
the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or
terminate or cancel the ground lease. Borrower shall not without the express written consent of
Lender, alter or amend the ground 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 Mortage Insurance previously
in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage
Insurance 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 Toss 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, Borrower shall pay the premiums required to maintain Mortgage Insurance in
effect, or provide a non refundable Toss 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 in exchange for
a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance."
Further:
WYOMING— SINGLE FAMILY Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01 (page9of 16 pages)
initials
SIe1J!UI
(se5ed91 le pt aged)
LOA. LBOE W 1N3WI1H1SNI WdodINfl 3 eIN GIPPGAd/aew aluued AIIWvd 31ONIS DNIINOAM
ao; wielo e ewes o; pJenne ue eNew o; sae; ;o (eoua ;ues ;xeu ay; ui peui ;ep se) Aped 6uisoddo
aLi ;eq; Jamming o; Japuei /(q eoi ;ou as ;e ;i JO `aannaaog Aq peuopuege si )(pedoad ay;
•anp uay; aae swns 04; ;OU ao aay ;e(M ;uawna ;sul A ;lanoas sit; Aq peanoes swns
ay; o; peildde eq Heys spaaooad snoeueiaosiW ay; '6ui ;uM ui eei6e esiMaey ;o aapue pue Jemoaaog
sseiun 'anien ui ssol JO 'uoi ;ona ;sap `6upie; leiped ay; aao4eq Ala ;eipewwi paanoas swns ay ;o;unowe
ay; ueLi; ssai si amen ui ssoi JO `uoi ;ona ;sap '6upie; piped ay; aao;eq Ala ;eipewwi Apadoad ay; ;o amen
;a)laew aie; gown ui Apadoad an 40 amen ui ssol JO `uoi ;ona ;sap '6upie; leiped a ;o;uene ay; ui
JeMOJaog o;
pied eq Heys eoueleq Auy •amen ui ssoi JO `uoi ;ona ;sap 6u11e; leiped ay; a o;eq Ala ;eipewwi Apadoad
ay1 ;o amen 40)1aew aie; ay; (q) Aq pepinip amen ui ssol JO 'uoi ;ona ;sap `6up e; piped ay; eao ;aq
Ala ;eipawwi pampas swns ay; ;0 ;unowe le ;o; 0141 (e) :uoi ;pea; 6u!MOHo; 01; )(q pe!Idi ;lnw spaaooad
snoeuefaosmi ay1 ;o ;unowe 0141 )(q paonpaa eq Heys ;uawna ;SUi A;imoes sly; Aq paanoes swns
0141 '6ui ;uM ui eea6e as!Maay ;o Japuei pue aaMaaog ssalun `amen ui ssol ao `uoi;ona ;sap `6upie ;'Biped
ay; aao ;aq Ala ;eipeww! ;uawna ;sui A ;imoas sit; Aq paanoes swns ay; ;O ;unowe ay; U014 ae ;e0a6 ao
o; lenbe si amen ui ssol ao 'uoi ;ona ;sap 'Biped aao ;aq Ala ;eipawwI /(pedoad 01.4; 40 amen ;a){aew
ai0; 014; yoi(M ui Apadoad ay110 amen ui ssol ao `uoi ;ona ;sap `6upie; leiped a ;o wane ay; ui
•aaMOaaog o; pied 'Aue 4! 'sseoxe ay; 141!M
`anp uay ;ou .10 a01110yM ;uawna;sul ;lanoes s!Li; Aq paanoes swns ay; 04 paildde eq Heys spaaooad
snoeueliaosiw ay; `Apadoad ay; amen ui ssol ao 'uoi ;ona ;sap 10 40; a ;o ;uana ay; ui
uoi ;pas
ui .104 pepinaad aapao ay; ui palidde eq Heys spaaooad snoaueneosiini Lions •aaMoaaog 01 pied glue
1! 'ssaoxa ay; Li ;iM `anp uay ;ou .10 aay ;ayM ;uawna ;sul AlLinoes s!Li; Aq paanoas swns ay; o; peiidde
eq !legs spaaooad snoauelleosiW ay; `peuessei aq pinoM A ;imoes s,aapue JO apses; Alieoiwouooe
;ou si medal ao uoi ;eao ;saa ay ;l •spaaooad snoeueIaosiw Lions uo s6uiwee ao ;sacra ;ui Aue aaMOaaog
Aed 01 paainbaa eq ;ou Heys aapual 'spaaooad snoaueileosiw Lions uo pied eq o ;;sacra ;ui sannbeJ Mel
algeoiiddy JO 6u11pM ui spew s! ;uaweaa6e ue ssalun •pelaldwoo si ){aoM 041 se s ;uawAed ssaa6oad
;o sepes e w ao ;uawasangsip al6uis a ui uoi ;eao ;saa pue snedaa ay; a0; i(ed Aew aapua •Al ;dwoad
mlepapun eq Heys uoi ;oadsui Lions 40144 pepinoad 'u0400 45405 sdepuei 04 pa ;aldwoo ueoq sey )la0M
ay; aansue o; Apadoad Lions ;oadsui o; A;lunpoddo ue pug sey Jepual pun spaaooad snoeueIeosiiN
Lions ploy o; 4Li6la ay; ane1 Heys aapuei 'Hoped uoi ;eao ;saa pue medal Lions 6upna •peuessai
;ou si I ;ianoes s,aapua1 pue algisee; AIeoiwouooe Si aiedeJ ao uoi ;ea0 ;saa ay `Apadoad au 40 J!edei
ao uoi ;ea0 ;saa 04 peiidde eq Heys spaaooad snoaueilaos!W Lions 'pa6ewep Si Apadaad ay; dl
aapual 04 pied eq Heys pue 04 peu6isse Agaaaq
acre spaaooad snoeuelleos!W IIV
ean;laJJod :spaaao.Id snoeueilaosi j 40 iumuu5issy
•uoi;euluaaa; JO uoi ;eila3ue3 tons ;o mug ay; peuaeaun
aaaM ;et; suaniwaad a3Ueansui a6e6Jow Aue pa pun4aa a aniaaaa •311461J eIn epnioui Amu s;g6la
asagl •Mei 1044• Aue ao 8661. 40 ;otl► uoi ;aa;oad saaunnoawOH 04; aapun a ueansui 96e6poiN
eq; o;;oadseJ t;iM -Aue 4i -set aaMoaao>a 540la ma pane iiiM s ;ueweaa6e tons Auy (q)
•pun;aa
Aue o; aaMoaaos emus log Him Aa pue `eOueansui a6e6plo j ao; aMO Him aaMOaaos ;unowe
at; aseeJOUI ;ou mm s;uawaaa6e tong •ueo, ay; ;o Swag; aat ;o Aue ao `aaueansui e6e6;aoW
ao; Aed o; peaa6e set aaMOaao9 ;ey; s;unowe 044 page log Him s;uawaaJBe tons Auy (e)
9 S COT Z4,80
857
damages, Borrower fails to respond to Lender within 30 days after the date the notice is given,
Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of
the Property or to the sums secured by this Security Instrument, whether or not the due. "Opposing
Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom
Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that,
in Lender's judgment, could result in forfeiture of the Property or other material impairment of
Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a
default an, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or
proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the
Property or other material impairment of Lender's interest in the Property or rights under this Security
Instrument. The proceeds of any award or claim for damages that are attributable to the impairment
of Lender's interest in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall
be applied in the order provided for in Section 2.
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 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 accomodations 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, attorney's fees, property inspection and
valuation fees. In regard to any other fees, the absence of express authority in this Security
WYOMING SINGLE FAMILY Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
(page 11 of 16 pages)
6S";
initials
sieng4
(seBed g j )o d l eBed)
4011 450E wood 1N31/Vnd1SNI W:1031Nf aeW alppa.1d/aeW 31JNIS--ONIWOAM
•luewnalsul
;panoes s! (1 ;10 pue a;oN eql 10 i(doo auo ueAl6 eq is JeMOJ.1Og Ado s,JOMOaao9 'LL
•uol;oe )(ue aNel of
uol ;e6ligo )(ue 1no411M uol ;aaoslp alos seA!6 „)(ew„ Nom ay; (o) pue :BSJ0A eOIA pue leanld ay; epnloui
pue ueaw !lens aeln6uis a (1i ul spaoM (q) '.aapue6 euluiwel a(1; to spawn JO Nom aelneu 6uipuodsaaaoo
apnloul pue ueaw Heys aepue6 euHnosew ay} 10 spaoM (e) :luewnalsui )(;lan0es sl (11 u! pasn sy
•uo!s!noad 6ulloHluoo a (1n lno (1;!M pap ueAI6 eq ueo yo!gM
aION ay; JO ;uewn4sui Allanoes s!(11 1 suoisinoad aaylo ;Oal1e ;0u !Heys 1OH1uoO qons 'Mei elgeollddy
q;!M sno9luoo 0;oN ay; JO luewna ;sui Allanoes sly ;1O esnelo uolslnoad Aue ley; wane a (11 ui •loealuoo
)(q lueweeJ6e ;sule6e uol ;iq!goad e se penalsuoo eq ;ou Heys eoueils yons lnq `;uaHs eq ;Op
4!.1O ;oea ;Loo )(q aaa6e o; sawed ay; Mop AI4!o!Idw! Jo Al1lolidxe ;y Mei algeoliddy •Mei elgeollddy
1 suo! ;eliwll pue s;uewealnbea /ue o; lo9(gns aae luewnalsul A ;lanoes sly; u! peuieluoo suol;e611Qo
pue s; (161.1 Hy •peleoo! s! /pedoad ay; yOl(1M u! uollo!psian( ay 10 Me! ay; pue Mel leaapa; Aq peweAo6
eq !legs luewnalsui A1!.1noes s!U1 •uoilonalsuo0 jo sainiy :Aliiigeaanas :Mei 6uluaanoo
•luewn jsui Apanoes sly; aapun lueweiinbea 6ulpuodsa.1aoo ay1
/lsl ;es lilts luaweJ!nbea M91 elgeollddy an `Me alquoIddy aapun paalnbea osle sl luewnalsu! Allanoas
sly; )(q pa.1lnbea eol;ou )(ue 11 •.1epuei Aq panlaow Alienloe lllun aapue o; ueA!6 uaaq aneg o; peweep
eq lou !legs luawnalsui Allanoes sly! qpM uoipeuuoo u! a0l;ou )(uy •JOMO..10g o4. eolnou )(q sseappe
as (1loue pa;eu6isep seq aepue ssalun u!aaay palels sseappe s,aapuei 01 Hew sselo ;sail /(q 1! 6 ulllew
Aq .10 ;i 6uilenHap )(q uanl6 aq Heys aapua of eollou i(uy awl! auo /(ue le luewnalsui k4lanoes s!y1
aapun sseappe eollou pe;eu6lsep auo )(luo aq i(ew eaagi •eanpeoaad pall!oeds ley; 1/6noa14l sseappe
10 e6uego a podea Apo Heys aaMOJ.1og Lunn 'ssaappe 10 a6ueyo s,aaMO.1aog 6ulpodea .1o; eanpeooad
9 sall1Oeds .1apue i 1! •sseippe 1 a6ueyo s,aaMOaaog 10 aapue i /Moe /SI;dwoad Hugs aaMOL og
•aapue 04 a0ilou )(q sseappe eollou elnli;sgns 9 paleu6!sap seq aaMOaaog ssalun sseappy Ipadoad
ay; eq Heys ssaappe eoI4ou eql •es!Maaylo sealnbea i isseadxe Mel algeoliddy ssalun saaMOaaog He 01
e0llou elnl!4suoo !legs JeMOaaog auo )(ue 04 a0lloN •sueaw .19(110 )(q lugs 4! ssaappe ao!lou s,aaMOaaog
o; paaanHap )(Hen ;oe uayM ao Hew sseio ;salt )(q mew uayM JeMO.1.1O9 o; uaaq anal o; pawaap eq
!legs luawna ;sul )(lynoes s!q1 y;lM uol ;0auuoo ul aaMOaaos 01 aol;ou iuy •6u!HaM u! eq lsnw;uawna ;sui
Aluan0as sly; yllM uoi;Oauuoo u! aepuai Jo lamp .1og Aq uani6 sa011ou Hy •saoiloN 'S L
•a6aeyoaano yons 10;nO 6ulspe ane11 ;y6iw
aaMO.1.1og uoll0e 10 1(16!.1 )(ue 10 .1anleM a alnlllsuoo !HM aaMOaaog 04 ;uaw)(ed Imp )(q spew punlaa
yons 10 eOUe ;de009 s,aaMO.1.1og •(aloN 9111 aapun J04 pap!noad s! e6ae (1o;uaw,edead a lou.10 aaq ;aqM)
e6aego luaw)(edead )(ue ;noq;iM luaw)(edead Helped e se pa ;99.14 eq IHM uol;onpaa a (11 'ludlouud
a (1; seonpaa punlaa a 41 •aaMO.1.1og 04 ;uaw)(ed 13943 u 6U!){ew )(q .10 O1oN 9 111 aapun paMO led!OUI.1d
01116ulOnpaa Aq punlaa slyi a)1ew of as00(10 /ew aapue •aaMOaaog 04 pepunlaa aq II!M s4lwll pa11lwaad
papaeoxa golLim aem aaog WO.11 pa40aHo0 )(pea.1le swns )(ue (q) pue :4!w!! pa11!waad a (1101 e6aeyo a (11
a0npaa of )taussa0au lunowe ay; Aq peonpaa aq Heys 96.19(10 u901 qons Mae (e) :ueq 's4lwll pe11!waed
a (11 pee0xe ueo'i ag1 gl!M uOl4oauuoO u! pal0aw0o se6a9 110 ueo! .19(110 a0 ;sacra ;u! a (11 ley; os paleadaa ;u!
)(pull s! me! 4914 pue 'sa6aegO ueo! wnwixew slas yol(1M Mel a 04 l0a(gns s! LLO a (11 ll
•M91 aigeoliddy )(q ao luawnalsul
A1!Jnoes s!q4 )(q pallq!goad )(Isseadxe acre 19 (11 sae; a6.1e (10 ;ou )(ew .1epue i •004 qons 10 6ul6aeyo
a (11 uo uoillq!(1oad 9 se panalsuo0 aq lou !legs aaMOaaog 04 ea; 0 11loods a 06.19 (10 04 luawnalsul
g E0 '17,80
08121 859
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section
18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not
limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales
contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to
a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if
Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without
Lender's prior written consent, Lender may require immediate payment in full of all sums secured by
this Security Instrument. However, this option shall not be exercised by Lender if such exercise is
prohibited by Applicable Law.
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 given in accordance with
Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower
fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies
permitted by this Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale
contained in this Security Instrument; (b) such other period as Applicable Law might specify for the
termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security
Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due
under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default
of any other covenants and agreements; (c) pays all expenses incurred in enforcing this Security
Instrument, including but not limited to, reasonable attorneys' fees, property inspection and valuation
fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights
under this Security Instrument, shall continue unchanged. Lender may require that Borrower pay
such reinstatement sums and expenses in one or more if 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. Upon reinstatement by Borrower,
this Security Instrument and obligations secured hereby shall remain fully effective as if no
acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration
under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial
interest in the Note (together with this Security Instrument) can be sold one or more times without
prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer
that collects Periodic Payments due under the Note and this Security Instrument and performs other
mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law.
There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there
is a change of the Loan Servicer, Borrower will be given written notice of the change which will state
the name and address of the new Loan Servicer, the address to which payments should be made and
any other information RESPA requires in connection with a notice of transfer of servicing.
WYOMING— SINGLE FAMILY Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 13 o116 pages)
initials
Slengq
(seBed 91 {o yI eBed)
LOA WOE =JOd 1N3Wnli1SNI W110dINfl =IN elppaluaew eluued A 31ONIS DNIWOAM
dnueeIO
ie ;uawuo.1lnu3 ue ao1 aapuei uo uol;86llgo Ave e e o hays ulaaey 6uly ;oN Mai ieluewuoainU3
y ;IM eouepa000e u! suoI ;oe Ielpewei Aaesseoeu Ile eole; Aildwoad Ileys .1eMOuog `tiesseoeu
s! )(pedo.1d eq1 6ulloelle eouelsgng snopa8zeH Aue to uol;eipewei aeq o JO lenowe.1 Aum ;eLil 'Aped
elenpd i(ue ao 'AlpoLilne .10 ;ein6ea .10 le ;uewweno6 )(ue itq peij ou s! .10 'sumo' aeMOJ .1og 11 •Apedoad
eq1 to organ ay; smile AiesJenpe go1gM eoueisqns Snop.1ezeH e to eseeie.1 .10 esn `eouasaad eq1
Aq pesneo uowpuoo ((um (o) pue 'eoue;sgns snop.1ezeH Aue to °seep 10 ;ee.1Li; ao aseela.1 'e6aeLioslp
`6upieei '6ulplds Aue 'o; pellwll ;ou lnq 6ulpnpul 'uoi;lpuo0 leluewuo .1lnu3 )(ue (q) `e6pelMowl
Ienloe soy aaMO .1aog 11o1gM to Mei le;uewuoalnu3 JO eouelsgns Snop .1ezeH i ue pue Apedord
eq1 6ungonul aped elenud .10 Aoue6e AJo;eln6e.1 le uewu.1eAo6 Aue )(q uoi oe aay ;o JO 1InsM8l
`puewep `wimp `uoi ;861 ;senul Aue (e) to eol;ou ueupm iepuei anl6 Agdwaad hogs JSMOJJog
•(slonpoad aewnsuoo u! seoue;sgns snopamzeq 'o; paliwg
lou ;nq '6upmoui) Apedo .1d eqj 10 eoueue ;uiew o; pue sesn lel ;uep!sea Imw .1ou o; eleudoadde eq
o; pezlu600ei /lieaeue6 a e;eLi; seoue ;sgns snopamzeH 10 sal ;I ;uenb hews to Apedoad eq1 uo a6eao ;s
.10 'esn 'eouasaad eLq o; /Ode ;ou !legs seoue ues oM; 6ulpeoead eq .Apedaad ay; to amen eq1
smile Alas .1anpe ;eq1 uol ;lpuoo a Se1ma .10 'eouelsgns snop .1ez8H a to aseelaa .10 'esn 'eouasaad
enp `yO!yM (o) .10 'uolllpuo3 Ieluowuoa!nu3 Ue semen yolgM (q) `Mme Ieluewuo.1lnu3 Aue 10 uoileloln
uI sl ;eLi; (e) Apedoad eq1 6ul ;oege 6u1gp ue 'op o; esle euoAue M0118 JOU 'op lou pays aaMOaaog
•Apedoid ay; u! .1O Uo `oou81sgns Snopaez8H Aue esee eJ o; ua ;maJLi; .10 'seoum;sgns snopaezeH
Aue 1.0 aseelaa ao `e6eaols `Iesodslp 'esn `eouasaad ayl;lwied .10 esneo;ou'legs aaMOaaog
•dnueelO le ;uewuo.1inu3 um ae66u; eslMaeylo ao 'o; a nqu;uoo
'esnOO Ue0 18q; uoi;Ipuoo a SU8OW „uol;!puo3 ie;uawuoJInu3„ Um (p) pue :Mme Ie;uawuo.1!nu3
u! peullep se 'uolloe l8noua0 .1 .10 'gel ;Oe ieipewea 'uolloe esuodsaa Aue sopniou! „dnueel3
Ie ;uewuo.1lnu3„ (o) `uoiloela.1d le1U0WU0JIAU0 JO /'ales 'Li;leeq o; elelaa lug; pe ;wool s! Apeda.1d eq
0.1auM uoi ;olpsunf eqi sMel pue sMOi 1e .1ape! sueew „Meg leluawuoalng3„ (q) 'slepeiew and ;Oeolpea
pue `epAgepiewaol ao so;segse 6ulu!e ;uoo siepelew 'slumps all ;elon `seploiq eq pue sepiol ;sad olxol
`s;onpo .1d wneioaled Olxo; ao algewweIl aay ;o 'euesoJeN 'euliose6 :seouelsgns 6UIMOIIo; ay; pue Meg
le;uewuo. !Au3 Aq selseM .10 's;ue;n1Iod 's0Ouelsgns snopaezeq .10 Olxo; se peugep seoue ;sgns °soul
a .1e „seoue;sgns snopaezeH„ (e) l Z uoiloas sly' u! pesn sy •seouelsgns snopaezeH l•Z
•(Z U01100g sly' suols!nO .1d uoiloe 0AI2381/03 8)1810; A ;Iunlaoddo
pue eOilou 0 144 /lsllms of pawaep eq Ieegs 81. uoiloes o; luens .1nd JeMOaaog of ueAI6 uoi ;eaoiaooe
10 00l;ou all pue ZZ uol;oes of luens .1nd JBMO.1aog o; uen!6 a .1nO o; A;iunpoddo pue uoi ;eaeIeooe
l OOI;ou 0141 •Lidea6eaed sly; to sesod .1nd .101 eiquuoseeJ eq o; pawaep eq IIIM poled 0w!4 leg1
`u° )le; eq UOO wipe Ulepeo a oleq esdel lsnw gown poled awl; e sep!no .1d Mel algeollddy 11 uolloe
anl;3eJJ00 e>184 of eoi4ou yens to 6ulnl6 0q4 ae ;1e poped eneuoseeJ o ;°aay Aped Jaw 0q; pep.1olle
pue Lioee .1q pe6aiie Lions to (91. uoIpes to s4uaweJinb °.1 eq1 y4lM eouelidwoo u! ueA!6 eol4ou Lions yip)
Aped aey ;o 0ql pall) ;ou seq aapua1 ao JOMO .1aog Lions pun ';lawn .14sul 4unoes sly; 'lo uoseaa Aq panto
i(;np AU8 .10 '1 uo!slno.1d U8 p°LOealq soy Aped aeg4o ay; ley; se6ape 48 4 .10 iUOwna;sul A;PnOes sly;
0; ;uensand suol;Oe s,)(ped aay4o 0144 wo .11 S °Sue ley; (sseio a 10 .1egwew ay; .10 ;ue lenpIn!pul ue
.1014410 se) uol;Oe Ieplpnf Aue 04 pogo( eq ao 'ulof 'OOUawwoo Aew Jepuei JOU .1eMO.1aog aay ;laN
•Jeseg3and OloN eq1 Aq pepinoad es!nfuegio
sseiun JeSeLOand e;oN 0141 )(q pawnsse log ale pue Jeovues U801 .1osseoons a 04 paueisue .11
eq .10 aeovues ueo 0141 Li41M ulewa.1 11IM .10MOJ.108 0; suol4e6!!go 6UIOInaas ueol a6e6pow ay; 'OION 0144
10 .1 °se14o .1nd 0141 Uey1 .101440 .1931AJOS 11eO1 peoyues sI U801 ay; aellea .1814; pue p'os s! OloN an 11
09{? COT;LS[
08721.03
861
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration
following Borrower's breach of any covenant or agreement in this Security Instrument (but not
prior to accleration under Section 18 unless Applicable Law provides otherwise). The notice
shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than
30 days from the date the notice is given to Borrower, by which the default must be cured; and
(d) that failure to cure the default on or before the date specified in the notice may result in
acceleration of the sums secured by this Security Instrument and sale of the Property. The
notice shall further inform Borrower of the right to reinstate after acceleration and the right to
bring a court action to assert the non existence of a default or any other defense of Borrower to
acceleration and sale. If the default is not cured on or before the date specified in the notice,
Lender at its option may require immediate payment In full of all sums secured by this Security
Instrument 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 expenses incurred in
pursuing the remedies provided in Section 22, Including, but not limited to, reasonable
attorney's fees and costs if 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
Section 15. Lender shall publish the 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 attorney's fees; (b) to all sums secured by this Security
Instrument; and (c) any excess to the person or persons legally entitled to it.
23. 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.
24. Waivers. Borrower release and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
WYOMING SINGLE FAMILY Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 150f 16pages)
Fif 1 4 14, ,5,
initials
S( i 7 ?.j
(seBed g{ ION eBed)
1.0 /1. 1.90E mJod IN3Wflli.SNI I N HOdINfl 3 I I a!PPaa/aeW aluueA A1I1.11/d B IONIS
(6u! paimou>loe uosiod)
nlAs uewzng eL3 pue zadoi zaut..,aew oosLOueJJ )(q
(e;e))
10/60/C0 slyl ew aaoleq pe6peinnoure seM ;uewn4sul 6ulo6eaN eql
:ss kuno0 NOZaZ
oilgnd Aas3oN
Duew6peinnouwob and eull sigl mops weds]
.IaMOJJO enLLS u nee 1-o.
(IseS)
JeM01JO8 -ado1 zau L1uew oos LouPJJ
(IeoS)
793
co-e, :sei uo
`ONIWOAM JO 31V1S
it w!M pepaooei pue 19MOJJ08 Aq pe noexe Jep18 )(ue ul pue luewna}sul Alpnoes sly}
ul peulewoo slueuenoo pue swJel ay} o} seei6e pue s}deooe J8MOJJ08 `MO138 ONINOIS A8
0872103
X
MORTGAGE INSURANCE RIDER
This Mortgage Insurance Rider is made this 9th day of M a r c h 2 0 0 1, 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 "Borrower to secure Borrower's
fixed rate note [identify type of note, e.g. fixed rate] note (the "Note to The Jackson
State Bank "Lender of the same date and covering the property described in the Security Instrument and
located at: 167 Parkway Drive.Alpine,WY 83128
The Security Instrument is amended by adding the following at the end of Section 10 (if the Security
Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument
has a form date at the lower right corner that is earlier than 3/99):
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.
(B) Any such agreements will not affect the rights Borrower has if any- with
respect to the Mortgage Insurance under the Homeowners Protection Act of
1998 or any other law. These rights may include the right to receive certain
disclosures, to request and obtain cancellation of the Mortgage Insurance, to
have the Mortgage Insurance terminated automatically, and /or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time
of such cancellation or termination.
By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that is amends and
supplements the Security Instrument.
X
Francisco Martinez Lopez Letici. zm:n Silva
86
Multistate Mortgage Insurance Rider Single Family-Fannie Mae Uniform Instrument Form 3160 4/00