HomeMy WebLinkAbout871333WYSECI.MTG
THIS MORTGAGE is made this 12th day of JANUARY 2001
between the Mortgagor, STEVEN M. GRIFF, A SINGLE PERSON
and the Mortgagee, PRIORITY ONE MORTGAGE
a corporation organized and existing under the laws of CALIFORNIA
whose address is 2 ADA
IRVINE, CALIFORNIA 92618
WHEREAS, Borrower is indebted to Lender in the Principal sum of U.S. 15 000 00
which indebtedness is evidenced by Borrower's note dated JANUARY 12 2001
and extensions and renewals thereof (herein "Note providing for monthly installments of principal and interest, with the
balance of the indebtedness, if not sooner paid, due and payable on FEBRUARY 1, 2016
TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment
of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the
performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and
convey to Lender, with power of sale, the following described property located in the County of
LINCOLN State of Wyoming
LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT
"An
f O faEASE 0P
This, ,MAerf gage
SSE It110lL� bf MORTEACES
PAiU 7
which has the address of 1659 TROY COURT KEMMERER
[Street]
(herein "Property Address
Wyoming
83101
[Zip Code]
MORTGAGE
871 333
WYOMING-SECOND MORTGAGE -1 /80- FNMA /FHLMCUNIFORM INSTRUMENT
BOOK5r:)pR PAGE 2 7
(herein "Borrower
(herein "Lender
(3,9 CLERK
[City]
THIS SECURITY INSTRUMENT IS SUBORDINATE TO AN EXISTING FIRST LIEN(S) OF
RECORD.
TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,
appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and
all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold) are hereinafter
referred to as the "Property."
Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage,
grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower
covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject
to encumbrances of record.
Page 1 of 4 Form 3851
11111111 111111 1111111111111 111
WYSEC2.MTG
7t
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest
indebtedness evidenced by the Note and late charges as provided in the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall
pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in
full, a sum (herein "Funds equal to one twelfth of the yearly taxes and assessments (including condominium and planned
unit development assessments, if any) which may attain priority over this Mortgage and ground rents on the Property, if any,
plus one twelfth of yearly premium installments for hazard insurance, plus one twelfth of yearly premium installments for
mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments
and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to
the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an
institutional lender.
If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which are
insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender shall apply the
Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and
applying the Funds, analyzing said account or verifying and compiling said assessments and bills,unless Lender pays Borrower
interest on the Funds and applicable law permits Lender to make such a charge. Borrower and Lender may agree in writing
at the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless such agreement
is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any interest or
earnings on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits
and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional
security for the sums secured by this Mortgage.
If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior
to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said
taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either
promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held
by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and ground rents as they fall due, Borrower
shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require.
Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower any Funds
held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender, Lender
shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender
at the time of application as a credit against the sums secured by this Mortgage.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under
the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by
Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the principal of the Note.
4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations
under any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including
Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other
charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold
payments or ground rents, if any.
5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by fire, hazards included within the term "extended coverage and such other hazards as Lender may
require and in such amounts and for such periods as Lender may require.
The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided,
that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form
acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender
shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other
security agreement with a lien which has priority over this Mortgage.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof
of Loss if not made promptly by Borrower.
If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date
notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is
authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or
to the sums secured by this Mortgage.
6. Preservation and Maintenance of Property; Leaseholds; Condominiums; ,Planned Unit Developments.
Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the
Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit
in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration
or covenants creating or governing the condominium or planned unit development, the by -laws and regulations of the
condominium or planned unit development, and constituent documents.
7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in
this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then
Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable
attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as
a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such
insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and
Lender's written agreement or applicable law.
Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become
additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment,
such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this
paragraph 7 shall require Lender to incur any expense or take any action hereunder.
8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property,
provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to
Lender's interest in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection
with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with
a lien which has priority over this Mortgage.
WYOMING MORTGAGE -1/80-FNMA/FHLMC UNIFORM INSTRUMENT
Page 2 of 4 Form 3851
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WYSEC4.MTG
x Wilk 3
19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hereunder,
Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under
paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and
payable.
Upon acceleration under paragraph 17 hereof or abandonment of the Property, and at any time prior to the
expiration of any period of redemption following judicial sale, Lender, in person, by agent or by judicially appointed receiver,
shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including
those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management
of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and
reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver shall be liable to account
only for those rents actually received.
20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without
charge to Borrower. Borrower shall pay all costs of recordation, if any.
21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property.
Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has
priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any
default under the superior encumbrance and of any sale or other foreclosure action.
sbwemu m. CA°
STEVEN M. GR FF
(Seal) (Seal)
Borrower Borrower
STATE OF WYOMING,
My Commission expires:
GOWN of
iNCOLN
IN WITNESS WHEREOF, Borrower has executed this Mortgage.
The foregoing instrument was acknowledged before me this 17th day of January, 2001
Steven M. Graff. (date)
WITNESS my hand and official seal.
March 12, 2001
PRIORIT ONE MORTGAGE
2 ADA
IRVIiE, CALIFORNIA 92618
y5b()%3(o,(j
REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(person acknowledging)
LINCOLN County ss:
Notary Public
by
(Space Below This Line Reserved For Lender and Recorder)
s-1 Aritt) ANp htrUfziN Th
STEPHANIE FARMER
TRANSCONTINENTAL TITLE CC
2605 ENTERPRISE RD. E. STE #200
CLEARWATER, FL 33759
1-800-789-2240
WYOMING- SECOND MORTGAGE -1/8 0-FNMA/FHLMC UNIFORM INSTRUMENT
Page 4 of 4 Form 3851
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