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HomeMy WebLinkAbout871500s! ao6e6pow ayl O N W O W 't:1 3 c131r'1'M 4 711103r :4 W1 C- N OON1 03A13036 e 9 AO I. 3OVd 1 (06 /16VO /MAIGWO /OSI 06 /6 450E WMOd IN3Wn1:11SNI WHOdINn OW1HdNWNd A1I141dd 31DNIS 'paooaa ;o seouaagwnoue Aue o;;oafgns `spuawap pue swla!o !la;su!e5e Apadoad eq; o; aim ay; AIaaeua6 pue ep !I!M pue s;uaaaaM aaMo.uog 'paooaa ;o seoueiqwnoue Jo; ;dean 'peaegwnoueun s! Apedoad ;ay; pue Apadoad ay; Aenuoo pua;uei6 'abe6pow 011y6!a ay; say pue We/woo Agaaay a ;a ;se ey ;o pastes Alln ;Mel s! aaMaaaog ;ay; S1NVN3AO0 >d3MOh])dO8 „'Apedoad„ ay; Se ;uawna ;sul A;lanoaS sly; u! o; paaaa ;aa s! 6u!o6aao; ay; ;o py ;uawna;sul A ;!anoes sly; Aq paaanoo aq osla !lays suo! ;!ppe pue s ;ueweoe!daa py 'Apadoad ay ;o pad a aa;;aaaaq .10 Mou sawn ;x!; pue 'seoueuapndde 's ;uawesee pa pue `Apedoid ay; uo papaw ae ;aaaey JO Mou s ;uawenOadw! ay; Ile Hl!M)d3H13JO1 [epo0 d!Z] „ssaappy Apedoad„) L Z I 8 8 6u!woAM [A4 01 ;asks] auA'eq j an !...10 au !.dni cc' ;ossaappeeq ;sayyo!LM O �oauay� geid 12 j. au; uo pagi.uosep se 6ulwoA'M •klunoj uLooun sauDue loougq nos bZ poi :6u!woAM `A;uno3 u L o o u 1.1 u! pa ;cool Apadoad pegposep 6u!Mo!!o; eq; 'ales ;o aeMod q !M `aapuai o; Aenuoo pue ;uaa6 `e6e6pow AgeJeq seop aaMOUog 'esodand s!y; and 'a;oN ey; pua ;uawna;sul A;unoes sly; aepun s ;uewee 6e pue s ;ueuenoo s,aaMaaaog ;O eouewaoped eq; (0) pue ;uewna ;sul A;unoes sly ;o A;unoes ay ;oa;oad o; L gdei6eied aapun peouenpe ;saae ;u! y ;IM `swns aey ;o pa ;o;uawAed eq; (q) :a;oN eq ;o suol;ao! ;!pow pue suolsua;xe 'slaMeuaa fie pue 'Imam y ;aM'a;oN ay; Aq peouep!na;gep eq ;o;uawAedaa ay; (e) :aepuel o; saanoes;uewna ;sul A;!anoeS slut 0 C 0 Z 'T u a q w a o e a uo elgaAed pue anp `ae!!aae pled ;ou ;qep lIn; ay; y;!M 's ;uewAed Aly ;uow ao; sep!noad yolUM'( „a;oN „);uawna;sul A;Ianoes sly; se e;ep ewes ay; pa ;ap e;ou s,aaMOaaog Aq peouep!ne s!;gep slyl 0 0 0 0 0 o i i 's •n) saailoa 00i /ou pue sJe l. Loa puesnou.c ual pa,apunH au() ownsled !oupda ;aapue1seMOaeMaaaog „aapual I00Z8 AM euuakayj 'any A'auea OZOZ s! ssaappe esoyM pue `4 5u t.u1oRm ;o sMa! eq; aepun 6w4slxe pue pez!ue6ao s! y3l1M uo .euoduoj 6ulwokM V e6e6quoW uocew o uen!6sl;uewna;sulA;unoeSs!gi aeMOaaog„ pue puegsnH s uMea pue quo8 s we! M 0002 aaquianoN uo uen!6 s! ;uawna;sui A;pnoeS11) 3OVO11d0W SIHI DI/DIXON [ewea 6ulPo00a god aull Sl41 anogd aoedS] 2 3Ddd 2Id a iy_NOOtt S PI698 ZI90 'ON I00Z8 AM aL1Ue eq3 a ny aue OZOZ a5e61uow uo(' ek :01 ONIOdO03a a31.AV L 1Y .Yry 4 LOAN NO. 0 6 1 2 26 0 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 and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may, require for Borrower's escrow account under the federal Heal Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S. 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 Iaw. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank.-Lender shall apply the Funds to pay the Escrow Items. Lender may 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 Iaw permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, 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 all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to. Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Seoul ity Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. 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. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and WYOMING- SINGLE FAMILY- FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY //0491/3051(9 -90) -L PAGE 2 OF 6 T9? R09 9 d0 3OVd 1 ls0£ /161'0 /AMlaWO /OSI 06/6 MMOE WHOd 1N3WndiSNI WHOdINf 311411HdNV N J 131ONIS Aq pep!nod (sea!nbei Jepuei ;ay; spoued eq; Jo; pue ;unowa ey; u!) e6eaenoo aouaansu! a6a6pow `Jepual ;o uogdo eq; ;a 'pailnbaJ eq Je6uol ou Aaw s;uawAed eiuesaJ ssoi •aouaansu! a6a6pow ;o ne!! u! anaasen sso) a se s;uewAed eseq; u!a;aJ pue esn ;deooe II!M Jepue •;oa ;e u! eq o; peseeo Jo pesdel a6aaenoo aouaansu) eq; uayM JemoJJO9 Aq pled 6u!eq wn!waad aouaansu! a6a6pow ApeeA ay; ;0 y ;;laM; -auo o; lenbe wns a y;uow wee Japuei o; Aad !legs JeMOJJOB `algal!ana;ou s! 86aaenoo aouaansu! e6e6pow;uelan!nbe AHe!;ua;sgns ;l •nepue Aq penoadde Jaansu! a6a6pow a ;awe ;la ue woe; 'pep u! AlsnolneJd eouaunsu! e6e pow eq; ;o JOMOJJO9 o; ;SOO ay; o;;ueIenmbe AHa! ;ua;sgns ;soo a ;a' ;oa; ;e u! 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Aaw Jepuei g6noy ;ly •si!edei .e)lew o; Apadoad eq; uo 6upe ;ue pue see; ,sAewo ;a a geuose a 6u!Aad 'moo u! 6uieedde luewna;si.11 A ;!anoes sly; :a-so ;;;uoud set yogi ue!! B Aq peinoes swns Aue ouliced epn!Ou! Aaw suo!;oe s,Jepue •Apadoad ew u! s ;y6u sdepuei pue A pedad at lo amen eq; ;oe oid o; i iesseoeu s! JeAeleyM Jo; Aad pue op Aaw Jepue ueq; `(suo! ;ejn6a. Jo SMaI eoio;ue o; Jo can ;!epo; ao uo!;euwepuoo Jo; 'a ;egad 'Ao;dnn ueq u! 6u!peeooad a se tons) Apedad eq; u! s;y6u s,iepue ;oa; ;a Al ;ueo! ;!u6!s Aaw ;ay; 6u!peeooad le6ei a s! away; Jo 'wewn.;sul A;pnoes sly; u! peu!e uoo s;ueweei6e pue queue/km eq; Lumped o; sl!a; JeMOJJOB ;I •Apadoad eLp u! s>;y6la s,Japuai ;o uol;oeioad 'L •6u!!.M u! ae6Jew eq; o; se8168 Jepue ssetun 8618W 10U HEys a! ea; eq; pue plogesee ey; 'Apedoad eq; o; elm eel saJ!nboa Jemauo9 ;l *am! eq; ;O suo!s!nad ay; Ha q !M Aldwoo hays JeMOJJO9 'plogesee e uo s!;uewnJ;sul A;IJnoes sly •eouep!saa led!ou!ad a se Apadoad ey; ;o Aouedn000 sdemaao8 6u!weouoo suo! ;a ;ueseidei 'o; pe ;!wll ;ou ;nq `6u!pnlou! 'e oN ey; Aq peouepine ueol ey; y ;!M uo! ;oeuuoo u! (uo! ;ewao ;u! ppelew Aua w!M Jepue epinoad o; pep; Jo) Jepuei o; s ;uewe eis Jo uo! ;awao ;u! e;aan30BUI Jo esie; Alla!Je1ew ene6 `sseooad uo! ;eO!Idde ueol eq; 6uunp'Jemonog;! ;lna;ap u! eq osie hays Jemauo9 ;saaa ;u! 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Ied!ouud sdemaJo9 se Apedad eq; Adn000 o; enul ;uoo begs pua;uewnu ;sul Apunoes s!gjo uo! ;noexe eq; Je; ;e snap Axis u!y ;IM eouep!seJ Iedlou!ad S,JeMOJaog se Apadoad eq; esn pue 'gs!Iga;se Adn000 Hays JeMOaao9 •sployesea- :uo! ;eo!!ddy ueoi s,aaMOaaoe :Apladoad ay; 4o uol ;oa;oad pue eoueue ulew '1.10RO aesaad 'A3ued11030 '9 •uo! ;!s!nboa eq; o; Jo!Jd Ala ;e!pewwl;uewni ;sul A;unoes sly; Aq paunoes swns ay ;o;ue xe eq o; Jepuei o; ssed hays uo! ;!s!nboa eq; o; Joud Apadoad eq; o; e6awep won; 6umnsaa speeoad pue SeIOI1OJ eoueJnsu! 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J!edeJ .10 uo! ;aao;saJ ay 'pe6ewap Apedoad ey ;o J!edeJ Jo uo!;aao;sei o; pelldde eq Hays spaaooad eauaJnsu! '6u! ;IJM u! eaJ6e es!MJeq ;o JOMOJJO9 pue Jepuei sse un •JeMoauog Aq Al;duaoad epew IOU sso) ;o ;ooad a ew Aaw Jepua1 •Japuei pue Je!JJao aouaansu) eq; o; eoRou;dwad a /q6 Heys JeMauo9 `sso) ;o wane ey; u! •seo!;ou lemeuei pue swn!weid pied 10 s;dleoa. Ha Jepue l o; anl6 Al ;dwoJd Heys JeMOJno9 `saJlnbeu Jepue ;l •slemeuan pue seio!lod eq; ploy 0; ;y6u ow aneg Heys Japua1 •esneio a6a6pow paapuels a epnloui hays pue iepue o; elga;deaoe eq Heys siemeueJ pue se!o!Iod aouaansu! fly gdaJ6aaad y ;!M eouepa000e u! Apadoad eq; u! s;y6p sdepue1 ;oa ;ad 01 a6aaenoo u!elqo 'uo! ;do sdepue ;a Aaw iepue 'enoge pequosep 86aaenoo ulelu!ew o; sue ;Jemono9 ;l •platy ;!nn AlgauoseaJun eq hays yo!gM Ianadde s o; ;oefgns JOMOJJO9 Aq uesoqo eq Heys aouaansu! eq; 6u p!noad JauJSO eouaJnsu! eq •seJ!nbe. Jepue leq; spoped eq; Jo; Zi90 •ON 455 V1 Iii347 LOAN NO. 0 6 1 2 9 "62 an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. 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 lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property imrnediateiy before the taking. Any balance shall be paid to Borrower. In tho event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. 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 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 17. 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. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. 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 other 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. 15. 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. WYOMING- SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY//0491/3051(9 -90) -L PAGE 4 OF 6 9 JO 9 3DVd 1-(06 490£ /1640 /AM1aW0 /OSI 06/6 450£ WHOd 1N3WfH1SNI WliOdINf 3W1HdNWNd A1IWdd 310NIS- DNIWOAM a3llou anl6 Heys aapual •Mel a geo!!dde y;lM aouepao33e u!'lueia ;!p ;!'Apedoad eq; lo uoissessod u! uosiad ay; o; pue JaMO.U09 o; 00130.10; o;;ua ;u! ;O 0311ou On!6 !!ems iepue '01es ;o JeMOd ay; SOVAU! Jepuai '031.10p!Ae a! ;I; ;o s;s03 pue see; ,sAauao ;e a geuoseaa `o; pa ;!wll;ou ;nq `6u!pnl3ul `1.Z gdew6eaed sly; u! pap!noad se!pawaJ ay; 6u!nsand u! paaanou! sesuodxa 110 moo 01 pail) ;u0 eq !legs Japua, •Me! a geolldde Aq pa !WJad sa!pOwaa .1014 ;o Aue pue ales ;o JaMOd 0141 m!onu! Aew pue puewep.1OylJn ;;nogllM 1uawnJ ;sul A;!anoag sly; Aq p0Jn3as suns lie ;o !in; u! luawAed a1e!pauw! 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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. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements 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)] ❑Adjustable Rate Rider ❑Condominium Rider ❑1 -4 Family Rider Graduated Payment Rider Planned Unit Development Rider Biweekly Payment Rider Balloon Rider Rate Improvement Rider Second Home Rider Other(s) [specify] BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: (Seal) Borrower Social Security Number William S Bort and Dawn S Bort (person acknowledging) My Commission expires: /x.01 Notary Public State of Wyoming W res June 14. 2004 Sharon Walker County of Lincoln My Commission Ex WYOMING SINGLE FAMILY-- FNMA/FHLMC UNIFORM INSTRUMENT ISC/CMDTWY//0491/3051(9 -90) -L PAGE 6 OF 6 W1 1 l i am S Bort Bower Social Security Number 292 )1 Dawn S Bort (Seal) Borrower Social Security Number 0 0 1 4 2 (Seal) Borrower Social Security Number [Space Below This Line For Acknowledgment] STATE OF WYOMING, L i n c o 1 n County ss: The foregoing instrument was acknowledged before me this !'f 3_d© (date7? FORM 3051 9/90