HomeMy WebLinkAbout962123After Recording Return To:
Universal American Mortgage Conpany, LLC
301 116th Ave SE Suite 300
Bellevue, Washington 98004
Loan Number: JAX1140
MIN: 1000596- 0000095064 -7
[Space Above This Line For Recording Data]
MORTGAGE
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RECEIVED 11/28/2011 at 4:25 PM
RECEIVING 962123
BOOK:777 PAGE:93
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
FHA CASE NO.
591- 1225820 -703
THIS MORTGAGE "Security Instrument is given on NOVEMBER 2 3 2 011
The mortgagor is JAMES R ROBINSON AND KATHRYN K ROBINSON, HUSBAND AND
WI FE
"Borrower
This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. "MERS as Mortgagee. MERS
is the nominee for Lender, as hereinafter defined, and Lender' s successors and assigns. MERS is organized and
existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-
2026, tel. (888) 679 -MERS.
Lhi�eesal Arerican MDL thrpany, TT r, A FIQR3IA LIED T TARTI TTY (UVPN "Lender
is organized and existing under the laws of FLORIDA
and has an address of 15550 Lightwave Dr. Suite 200, Clearwater,
Florida 33760
Borrower owes Lender the principal sum of ONE HUNDRED TWENTY -TWO THOUSAND EIGHT
HUNDRED FIVE AND 0 0 10 0 Dollars (U. S. 122,805.00
This debt is evidenced by Borrower' s note dated the same date as this Security Instrument "Note which provides
for monthly payments, with the full debt, if not paid earlier, due and payable on DECEMBER 1 2 041
This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest,
and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest,
advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower' s
covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does
hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender' s successors and assigns) and
to the successors and assigns of MERS, with power of sale, the following described property located in
Lincoln County, Wyoming:
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LOT 3 OF BLOCK 12 TO
WYOMING AS DESCRIBED
WITH PLAT NO. 112 OF
A.P.N.: 12- 3418 -29 -4-
which has the address of
THE TOWNSITE OF BEDFORD, LINCOLN COUNTY,
ON THE OFFICIAL PLAT FILED OCTOBER 28, 1895
THE RECORDS OF THE LINCOLN COUNTY CLERK.
13- 023.00
119 Astle County Road 187
[Street]
Bedford Wyoming 83112 "Property Address
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security
Instrument; but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender' s successors
and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose
and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling
this Security Instrument.
BORROWER COVENANTS that Borrower is 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 and Late Charge. Borrower shall pay when due the principal of, and
interest on, the debt evidenced by the Note and late charges due under the Note.
2. Monthly Payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly
payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and
special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the
Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a
mortgage insurance premium to the Secretary of Housing and Urban Development "Secretary or in any year in
which such premium would have been required if Lender still held the Security Instrument, each monthly payment
shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,
or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary,
in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items
are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds."
Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the
maximum amount that may be required for Borrower' s escrow account under the Real Estate Settlement Procedures
Act of 1974, 12 U.S.C. §2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended
from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements
or disbursements before the Borrower' s payments are available in the account may not be based on amounts due for
the mortgage insurance premium.
If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall
account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time
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are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make
up the shortage as permitted by RESPA.
The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If
Borrower tenders to Lender the full payment of all such sums, Borrower' s account shall be credited with the balance
remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has
not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower.
Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower' s account shall be
credited with any balance remaining for all installments for items (a), (b), and (c).
3. Application of Payments. All payments under paragraphs.1 and 2 shall be applied by Lender as follows:
FIRST, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by
the Secretary instead of the monthly mortgage insurance premium;
SECOND, to any taxes, .special assessments, leasehold payments or ground rents, and fire, flood and other hazard
insurance premiums, as required;
THIRD, to interest due under the Note;
FOURTH, to amortization of the principal of the Note; and
FIFTH, to late charges due under the Note.
4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property,
whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire,
for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that
Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or
subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with
companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include
loss payable clauses in favor of, and in a form acceptable to, Lender.
In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not
made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment
for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance
proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and
this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment
of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the
principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or
change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding
indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto.
In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the
indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser.
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower' s Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower' s principal residence within sixty
days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property)
and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of
occupancy, unless the Lender determines that requirement will cause undue hardship for Borrower, or unless
extenuating circumstances exist which are beyond Borrower' s control. Borrower shall notify Lender of any
extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property
or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the
Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve
such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application
process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any
material information) in connection with the loan evidenced by the Note, including, but not limited to, representations
concerning Borrower' s occupancy of the Property as a principal residence. If this Security Instrument is on a
leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the
leasehold and fee title shall not be merged unless Lender agrees to the merger in writing.
6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection
with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are
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hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid
under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness
under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in
paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend
or postpone the due date of the monthly payments, which are referred to in paragraph 2, or change the amount of such
payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this
Security Instrument shall be paid to the entity legally entitled thereto.
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all
governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay
these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect
Lender' s interest in the Property, upon Lender' s request Borrower shall promptly furnish to Lender receipts
evidencing these payments.
If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other
covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly
affect Lender' s rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or
regulations), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender' s
rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2.
Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be
secured by this Security Instrument. These amounts shall bear interest from the date of disbursement at the Note rate,
and at the option of Lender shall be immediately due and payable.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:
(a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests
in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender' s
opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement
satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the
Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a
notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within
10 days of the giving of notice.
8. Fees. Lender may collect fees and charges authorized by the Secretary.
9. Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of payment
defaults, require immediate payment in full of all sums secured by this Security Instrument if:
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security
Instrument prior to or on the due date of the next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations
contained in this Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section 341(d)
of the Garn -St. Germain Depository Institutions Act of 1982, 12 U.S.C. 1701j -3(d)) and with the prior
approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is
sold or otherwise transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Property, but his or her credit has not been approved in
accordance with the requirements of the Secretary.
(c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full,
but Lender does not require such payments, Lender does not waive its rights with respect to subsequent
events.
(d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit
Lender' s rights, in the case of payment defaults, to require immediate payment in full and foreclose if not
paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations
of the Secretary.
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(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not
determined to be eligible for insurance under the National Housing Act within 6 0 DAYS
from the date hereof, Lender may, at its option require immediate payment in full of all sums secured by this
Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to
6 0 DAYS from the date hereof, declining to insure this Security Instrument and
the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option
may not be exercised by Lender when the unavailability of insurance is solely due to Lender' s failure to remit
a mortgage insurance premium to the Secretary.
10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full
because of Borrower' s failure to pay an amount due under the Note or this Security Instrument. This right applies
even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a
lump sum all amounts required to bring Borrower' s account current including, to the extent they are obligations of
Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses
properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and
the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full.
However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the
commencement of foreclosure proceedings within two years immediately preceding the commencement of a current
foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii)
reinstatement will adversely affect the priority of the lien created by this Security Instrument.
11. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time of payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower' s successors in
interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend
time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any
demand made by the original Borrower or Borrower' s successors in interest. Any forbearance by Lender in exercising
any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy.
12. Successors and Assigns Bound; Joint and Several Liability; Co- Signers. The covenants and agreements
of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
provisions of paragraph 9(b). Borrower' s covenants and agreements shall be joint and several. Any Borrower who
co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to
mortgage, grant and convey that Borrower' s interest in the Property under the terms of this Security Instrument; (b)
is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any
other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this
Security Instrument or the Note without that Borrower' s consent.
13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it
or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed
to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall
be given by first class mail to Lender' s address stated herein or any address Lender designates by notice to Borrower.
Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when
given as provided in this paragraph.
14. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of
the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument
or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument
or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security
Instrument and the Note are declared to be severable.
15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release
of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything
affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply
to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally
recognized to be appropriate to normal residential uses and to maintenance of the Property.
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Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental
or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property
is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,
and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal laws and laws of the
jurisdiction where the Property is located that relate to health, safety or environmental protection.
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues
of the Property. Borrower authorizes Lender or Lender' s agents to collect the rents and revenues and hereby directs
each tenant of the Property to pay the rents to Lender or Lender' s agents. However, prior to Lender' s notice to
Borrower of Borrower' s breach of any covenant or agreement in the Security Instrument, Borrower shall collect and
receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of
rents constitutes an absolute assignment and not an assignment for additional security only.
If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as
trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be
entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents
due and unpaid to Lender or Lender' s agent on Lender' s written demand to the tenant.
Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would
prevent Lender from exercising its rights under this paragraph 17.
Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice
of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach.
Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This
assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full.
18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may
invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect
all expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to,
reasonable attorneys' fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the
person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice
of the sale to Borrower in the manner provided in paragraph 13. Lender shall publish notice of sale, and the
Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the
Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the
sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security
Instrument; and (c) any excess to the person or persons legally entitled to it.
If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires
immediate payment in full under paragraph 9, the Secretary may invoke the nonjudicial power of sale provided
in the Single Family Mortgage Foreclosure Act of 1994 "Act (12 U.S.C. 3751 et seq.) by requesting a
foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided
in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to
a Lender under this paragraph 18 or applicable law.
19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security
Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security
Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted
under applicable law.
20. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of
Wyoming.
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21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together
with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and
supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security
Instrument.
[Check applicable box(es)].
Condominium Rider Graduated Payment Rider Growing Equity Rider
Planned Unit Development Rider Adjustable Rate Rider Rehabilitation Loan Rider
Non -Owner Occupancy Rider Other [Specify] Affixation Affidavit,
Limited Power of Atty Rider,
Manufactured Home Rider
BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in pages 1 through 8 of this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
(Seal)
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
Witness: Witness:
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(Seal)
Borrower
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0 0099
State of WYOMING
County of Lincoln
This instrument was acknowledged before me on
b James R Robinson AND Kathryn K Robinson
S83j :i Dhl NOI/Si r r vuu�
CbMh f[ St a of
(Seal)
[Space Below This Line For Acknowledgment]
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My commission expires.
iv(04-to, P
Signar re of notarial officer
Title (and Rank)
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(To be recorded with Security Instrument)
County of Lincoln
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
The State of WYOMING
Loan Number: JAX1140
Before me, the undersigned authority, on this day personally appeared James R Robinson,
Kathryn K Robinson
(Borrower(s)) and Universal American Mortgage Company, LLC
known to me to be the person(s) whose name(s) is /are subscribed below, and who, being by me first dully
sworn, did each on his /or her oath state as follows:
DESCRIPTION OF MANUFACTURED HOME
USED 1996 SKYLINE HOMES, INC.
New /Used Year Manufacturer's Name
W3BK 2202 8V70- 0768 -1A /B 60ftx26ft
Model Name or Model No. Manufacturer's Serial No. Length x Width
ULI 427399/400
HUD Label Number(s):
MANUFACTURED HOME LOCATION
119 Astle County Road 187
Street
Bedford
City
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
03/20/06 Page 1 of 3
WYOMING
State
Certificate of Title Number:
Lincoln
County
83112
Zip Code
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In addition to the covenants and agreements made in the Security Instrument, Borrower covenants and agrees
as follows:
1. The manufactured home described above located at the address above is permanently affixed to a
foundation and will assume the characteristic of site -built housing.
2. The wheels, axles, tow bar, or hitch were removed when said manufactured home was placed on the
permanent site.
3. All foundations, both perimeter and piers for said manufactured home have footings that are located
below the frost line or in compliance with local building codes or requirements.
4. If piers are used for said manufactured home, they will be placed where said home manufacturer
recommends.
5. If state law so requires, anchors for said manufactured home have been provided.
6. The manufactured home is permanently connected to a septic or sewage system and other utilities such
as electricity, water and natural gas.
7. No other lien or financing affects said manufactured home or real estate, other than those disclosed in
writing to Lender.
8. The foundation system of the manufactured home has been designed by an engineer, if required by state
or local building codes, to meet the soil conditions of the site.
9. Borrower(s) acknowledges his or her intent that said manufactured home will become immovable
property and part of the real property securing the security instrument.
10. The Manufactured home will be assessed and taxed as an improvement the real property. I /We
understand that if Lender does not escrow for these taxes, that I /we will be responsible for payment of
such taxes.
11. If the land is being purchased, such purchase and said manufactured home represent a single real estate
transaction under applicable state law.
12. Said manufactured home has been built under the Federal Manufactured Home Construction and Safety
Standards that were established June 15, 1976.
13. This Affidavit is executed by Borrower(s) pursuant to applicable state law.
14. All permits required by governmental authorities have been obtained. Borrower(s) certifies that
Borrower(s) is in receipt of manufacturer' s recommended maintenance program regarding the carpets
and manufactures warranties covering the heating /cooling system, hot water heater, range, etc. and
the formaldehyde health notice.
Borrower
Borrower
1
rro
Date Borrower
Date Borrower
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
03/20/06 Page 2 of 3
ryn K Ro Date
Date
Date
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00102
Record and Return by Mail by Pickup to:
.Oil... A WN.. 1s Uele •D. t•u11.1n
301 116th Ave SE &lite 300
X1ley( r, W ntrn 98004
Loan Number: JAX1140
REAL PROPERTY AND MANUFACTURED HOME
LIMITED POWER OF ATTORNEY
(To execute or release title, mortgage or deed of trust, security filing, transfer of equity and insurance documents and proceeds.)
The undersigned borrower(s), whether one or more, each referred to below as "I" or "me," residing at:
119 Astle County Road 187
Bedford, Wyoming 83112
City, State, Zip, County
I am the Buyer /Owner of the following manufactured home (the "Manufactured Home
Street Address
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
04/03/06 Page 1 of 5
"Present Address
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00103
Used 1996 SKYLINE HOMES, INC.
New /Used Year Manufacturer' s Name
SKYLINE I31'FS, Mr. /GER 2202 8 V 7 0 0768 -1A B 60' ft x 26 ft (L x
Model Name /Model No. Manufacturer' s Serial No.
permanently affixed to the real property located at 119 Astle County Road 187
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
04/03/06 Page 2 of 5
Length/Width
Street Address
Bedford, Wyoming 83112 "Property Address and as more
City, County, State, Zip
particularly described on Exhibit A attached hereto (the "Real Property"). I do hereby irrevocably make,
constitute, appoint and authorize with full power of substitution, Universal American
Mortgage Company, LLC
"Lender its successors, assigns or designees as my agent and attorney -in -fact, in my name, place and stead
in any way which I could do, If I were personally present, with full power of substitution and delegation,
(1) to complete, execute and deliver, in my name or Lender' s name, any and all forms, certificates,
assignments, designations, releases or other documentation as may be necessary or proper to implement the
terms and provisions of the Security Instrument dated NOVEMBER 23 2011 executed by me
in favor of Lender, (2) to complete, execute and deliver, in my name or in Lender' s name, any and all forms,
certificates, assignments, designations, releases or other documentation as may be necessary or proper to
make application for and obtain the certificate of title for the Manufactured Home and to have Lender (or
its designee) designated as lienholder on the certificate of title for the Manufactured Home, (3) to complete,
execute and deliver in my name or Lender' s name, any and all forms, certificates, assignments, designations,
releases or other documentation as may be necessary or proper to have the Manufactured Home treated as
real estate for any and all purposes under state law, including but not limited to the surrender of any
certificate of title, any election to treat the Manufactured Home as real estate for tax purposes or to meet any
other requirements in order for the loan/financing secured by the Manufactured Home and the Real Property
to be eligible for sale on the Federal National Mortgage Association "Fannie Mae the Federal Home Loan
Mortgage Association "Freddie Mac or any other secondary market purchaser, (4) to receive, complete,
execute or endorse, and deliver in my name or Lender' s name any and all claim forms, agreements,
assignments, releases, checks, drafts or other instruments and vehicles for the payment of money, relating
to any insurance covering the Manufactured Home, the indebtedness secured by the Manufactured Home or
the Real Property, and (5) to complete, sign and file, without my signature, such financing and continuation
statements, amendments, and supplements thereto, mortgages, deeds of trust and other documents, including
releases of these items, which I may from time to time deem necessary to perfect, preserve and protect
Lender' s security interest in the Manufactured Home, the Property and any other property sold with it. I
acknowledge that at the time this Power of Attorney and my Security Instrument and any of the forms,
certificates, assignments, designations, releases or other documentation are prepared the serial number of the
manufactured housing unit may not be available or may be inaccurate. The manufactured housing unit may
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In Witness Whereof, Borrower(s) and Lewd�e has executed this Affidavit in my presence and in the presence
of undersigned witnesses on this �'3 ay of v p V'-- a l
Witness Witness
STATE OF WYOMING
COUNTY OF Lincoln 2{ n
The foregoing instrument was acknowledged before me this J' "day of `JO VeP'� h-c/' �O,1
,byJames R Robinson, Kathryn K Robinson
who is personally known to me or who provided
SIZIAZY T)kld. F yk UiwFi'P res
Owlyof Smoot
t 9
Lender
AFFIXATION AFFIDAVIT REGARDING MANUFACTURED
(AND FACTORY BUILT) HOME
03/20/06 Page 3 of 3
as identification.
Notary Public
Print Naine
My Commission Expires:
00105
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be a factory order in the process of being constructed. Immediately, upon Lender' s receipt of the serial
number, I understand and agree that the above items may be completed and/or corrected by Lender to
properly disclose all the applicable home identifications, including the serial number. I understand that I will
be provided with a copy of any corrected agreement.
To induce any third party to act hereunder, I hereby agree that any third party receiving a duly executed copy
of facsimile of this instrument may act hereunder, and I for myself and for my heirs, executors, legal
representatives and assigns, hereby agree to indemnify and hold harmless any such third party from and
against any and all claims that may arise against such third party by reason of such third party having relied
on the provisions of this instrument. I have given this Limited Power of Attorney in connection with a
loan/financing to be given by Lender and to induce Lender to make the financing available. It is coupled
with an interest in the transaction and is irrevocable. This Limited Power of Attorney shall not be affected
by my /our subsequent incapacity, disability, or incompetence. I do further grant unto Lender full authority
and power to do and perform any and all acts necessary or incident to the execution of the powers herein
expressly granted, as fully as I might or could do if personally present.
ll>—. e
WITNESS my hand and seal this v`- 3 day of
Witness
/23
c
Borrower Jame
Borrower
Borrower
R' Robins
Witness
i
0
Date B wer Kate yn K Rob
Date Borrower
Date Borrower
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
04/03/06 Page 3 of 5
Date
Date
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0/O 1'O 6
STATE OF WYOMING
ss.:
COUNTY OF Lincoln I l
On the? 3 2-9( day of I/00 Vefrt- in the year L 1 before me, the
undersigned, a Notary Public in and for said State, personally appeared James R Robinson,
Kathryn K Robinson
personally known to me or proved to me on the basis of satisfactory evidence to be the individual(s) whose
name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the
same in his /her /their capacity(ies), and that by his /her /their signature(s) on the instrument, the individual(s),
or the person on behalf of which the individual(s) acted, executed the instrument.
Cote? of Stag of
(Official Seal)
Notary Signature
ccle (c'ar-g(4. (1
Notary Printed Name
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
04/03/06 Page 4 of 5
Notary Public; State of W(-1 0 "1"1
Qualified in the County of t�- 1 "-0.-VIh
My Commission Expires: D --c-)-1 y
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0'0.0,,
EXHIBIT A
PROPERTY DESCRIPTION
LOT 3 OF BLOCK 12 TO THE TOWNSITE OF BEDFORD, LINCOLN
COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED
OCTOBER 28, 1895 WITH PLAT NO. 112 OF THE RECORDS OF THE
LINCOLN COUNTY CLERK.
A.P.N.: 12- 3418- 29 -4 -13- 023.00
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
04/03/06 Page 5 of 5
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00108
MIN: 1000596- 0000095064 -7 Loan Number: JAX1140
MANUFACTURED HOME RIDER
TO MORTGAGE, DEED OF TRUST
OR OTHER SECURITY INSTRUMENT
THIS MANUFACTURED HOME RIDER is made this 23 rd day of NOVEMBER, 2 011
and is incorporated into and shall be deemed to amend and supplement that certain Mortgage, Deed of Trust
or Other Security Instrument (the "Security Instrument of the same date hereof given by the undersigned
(the "Borrower(s) to secure Borrower' s Promissory Note (or Manufactured Home Retail Installment
Contract) to Universal American Mortgage Company, LLC, A FLORIDA
LIMITED LIABILITY COMPANY (the "Note Holder
of the same date hereof (the "Note and relating to the property described in the Security Instrument and
located at:
119 Astle County Road 187, Bedford, Wyoming 83112
The following provisions are applicable to the Security Instrument, including those marked and completed
(where applicable):
1. DESCRIPTION OF REAL PROPERTY. The description of the real property set forth in the
Security Instrument is amended by the addition of the following:
"Together with all improvements constructed upon, affixed to or located upon the above described real
property, including without limitation any residential dwelling located upon or to be located thereon,
which dwelling is or may be a manufactured home, as hereinbelow described, which manufactured
home is or upon placement and affixation shall be conclusively deemed to be real estate (the
"Manufactured Home
Make: SKYLINE HOMES Model: W3 BK 2 2 0 2 Serial Number: 8V70 -076
INC 8 -1A/B
Year Built: 1996 Length and Width: 60' ft x '26' ft (L x W)
No Certificate of Title has been issued Certificate of Title No.
2. MANUFACTURED HOME AS PERSONAL PROPERTY SECURITY. The Note is also secured
by a security interest in favor of Note Holder in the following described manufactured home "Manufactured
Home which is located on the real property described in the Security Instrument:
Make:
MANUFACTURED HOME RIDER TO MORTGAGE, DEED OF TRUST
OR OTHER SECURITY INSTRUMENT
MH.RDR 06/11/09 Page 1 of 3
Model: Serial Number:
Year Built: Length and Width:
No Certificate of Title has been issued Certificate of Title No.
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3. ADDITIONAL COVENANTS OF BORROWER(S) RELATING TO MANUFACTURED HOME.
If Paragraph 1 has been marked and completed, Borrower(s) agree(s) to comply with all State and local laws
and regulations relating to the affixation of the Manufactured Home to the real property described herein
including, but not limited to, surrendering the Certificate of Title (if required), obtaining any governmental
approval and executing any documentation necessary to classify the Manufactured Home as real property
under State and local law.
The Manufactured Home shall be at all times and for all purposes permanently affixed to and part of the real
property described herein and shall not be removed from said real property. Borrower(s) covenant(s) that
affixing the Manufactured Home to the real property described herein does not violate any zoning laws or
other local requirements applicable to manufactured homes.
If Paragraph 2 has been marked and completed, Borrower(s) agree(s) and covenant(s) that the Manufactured
Home is and shall remain personal property, severable and separate from the real property described in the
Security Instrument, and agree(s) and covenant(s) not to take any action, or fail to take any action, which
would result in a change in such status.
4. SECURITY AGREEMENT AND FINANCING STATEMENT. This Security Instrument shall be a
security agreement granting Lender a first and prior security interest in all of Borrower' s right, title and
interest in, to and under any personal property "Personal Property") which under and within the meaning
of the applicable State laws is and cannot be classified and considered real property, if any. Personal
Property shall also include the Manufactured Home described in Paragraph 2 hereof, if applicable. In the
event of any foreclosure sale, whether made by Trustee or a substitute trustee, or under judgment of the court
or pursuant to a power of sale, all of the Property and Personal Property may, at the option of Lender, be
sold as a whole or any part thereof. It shall not be necessary to have present at the place of such sale the
Personal Property or any part thereof. Lender, as well as Trustee or any substitute trustee on Lender' s
behalf, shall have all the rights, remedies and recourses with respect to the Personal Property afforded to a
"Secured Party" by the applicable state laws in addition to and not in limitation of the other rights and
recourse afforded Lender and/or Trustee or any substitute trustee under this Security Instrument.
Borrower(s) shall, upon demand, pay to Lender the amount of any and all expenses, including the fees and
disbursements of Lender' s legal counsel and of any experts and agents which Lender may incur in connection
with: (i) the making and /or administration of this Security Instrument; (ii) the custody, preservation, use
or operation of, or the sale or collection from, or other realization upon any property, real and/or personal,
described in this Security Instrument; (iii) the exercise or enforcement of any of the rights of Lender under
this Security Instrument; or (iv) the failure by Borrower(s) to perform or observe any of the provisions or
covenants in this Security Instrument.
Lender may, at its election, at any time after the delivery of this Security Instrument, sign one or more copies
of this Security Instrument in order that such copies may be used as a financing statement under the
applicable State laws. Lender' s signature need not be acknowledged, and is not necessary to the effectiveness
hereof as a deed of trust, a security agreement, or (unless otherwise required by applicable law) a financing
statement.
5. RESPONSIBILITY FOR IMPROVEMENTS. Lender shall not be responsible for any improvements
made or to be made, or for their completion relating to the real property, and shall not in any way be
considered a guarantor of performance by any person or party providing or effecting such improvements.
MANUFACTURED HOME RIDER TO MORTGAGE, DEED OF TRUST
OR OTHER SECURITY INSTRUMENT
MH.RDR 06/11/09 Page 2 of 3
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6. INVALID PROVISIONS. If any provision of this Security Instrument is declared invalid, illegal or
unenforceable by a court of competent jurisdiction, then such invalid, illegal or unenforceable provisions
shall be severed from this Security Instrument and the remainder enforced as if such invalid, illegal or
unenforceable provision is not a part of this Security Instrument.
Executed this _^t' day of 2..c‘
_{4 (Seal)
James R 'ob nson Borrower
(Seal)
Borrower
MANUFACTURED HOME RIDER TO MORTGAGE, DEED OF TRUST
OR OTHER SECURITY INSTRUMENT
MH.RDR 06/11/09 Page 3 of 3
t i
t ryn6 Robi son I�
(Seal)
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal)
Borrower
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