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0101411 vE0-12 -2000 TUE 02,09 PM WELLS FARG+O HOME MTG
8396607
8423198
WYCM- 3051 -C -1
Recorded
in Book tr Page
[Space Above This Line For Recording Data)
MORTGAGE
FAX NO, 402 536 2230
THIS MORTGAGE "Security instrument") is given on DECEMBER 12, 2000
BARBARA L CONITZ, A SINGLE PERSON
('Borrower This Security Instrument is given to WELLS F'ARGO HOME MORTGAGE, INC,
which has the address of 150 PARKWAY DRIVE,
Wyoming 83128
WYOMIN Family- FNMA!FHLMC UNIFORM
INSTRUMENT Form 3051 9190
el 6R(WY) (9212).01 Amended 5,91
VMP MORTGAGE FORMS (80
Papa 1 of 6 0)521 -7291
Initials e
ALPINE
(Zip Code) "Property Address");
10r at
.132. Kemmerer, WY
Jeanne Wagner, Clerk
The mortgagor is
which is organized and existing under the laws of THE STATE OF CALIFORNIA
address is P.o. SOX 5137, DES MOINES, IA 503065137
and whose
ONE HUNDRED THIRTEEN THOUSAND FIVE HUNDRED AND 00/100
"Lender Borrower owes Lender the principal sum of
This debt is evidenced by Borrower's note dated the same date as this Security Instrument (Note" w
monthly payments, with the full debt, if not paid earlier, due and payable on JANUARY *113, 500 .00
01, 2031
interest, nd
This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note andh all r ll renew ew als,
for
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 Lender, with power
of sate, the following described property located in LINCOLN
A. 0 ,,.c•,. i F G y: qtv '`w c cs; County, Wyoming:
4♦ /i .t',, �v�S
Lot 401 Pals Park Fourth Addition to the
Wyoming, according to that plat filed December
in the Office of the Lincoln County Clerk.
THIS IS A PURCHASE MONEY SECURITY INSTRt3mENT.
TAX STATEMENTS SHOULD BR SENT TO'' WELLS PARt30 HOME MORTGAGE, INC., P.O. BOX 5137, D8
MOINES, IA 503065137
S
of Alpine, Lincoln County,
8, 2000 as Instrument No. 870179
(Street, City),
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H/90 d 0£22 9£9 'at ON XV.4 1LW 3WOH 0'J 'd S113M Wd O 20 3fli 0002, -O3G
DEC -2000 TUE 02 :12 PM WELLS FARGO HOME MTG FAX N0, 402 536 2230 P. 09i21
S. Hazard or Property Insurance. Borrower shall keep the improvements now existing
Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including on floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the or hereafter erected er the
that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject shall not be unreasonably withheld, f Borrower fails to maintain coverage described above, a Lender and for the periods
which, shall not t coverage a to protect Lender's rights IB in the Property in ublect t Lender's Lender's
All insurance policies and renewals shall be acceptable to Lender and shall tli c paragraph include a standard r may, at bnder
shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly
paid premiums and renewal notices. In the event of Ions, Borrower shall give prompt n mortgage clause. Lender
Lender may Snake proof of loss if not made promptly by Borrower. p Y give to Lender all receipts of
Unless Lender and Borrower otherwise i agree in writing, insurance proceeds p otlee to the i shall be applied to insurance urance carrier and Lender.
Property s Le nd, if the restoration or repair is economically in feasible an
and Leader's security is not lessened. restoration or repair of for ed. If the restoration or
repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
secured by this Security instrument, whether or not then due, with any
Property, or does not answer within 30 days a notice from Lender that the insurance carrier has shall be applied m the sums
Property,
may does not
the answer r within nr30 days a notice
may use the proeeeds the incur paid to ier h of r Borrower settle abandons the
Lender may this collect
Security Instrument, whether or not then due. The 30 -day restore the to settle a claim, then
Unless t is Lender Secu ty Borrower otherwise or
agree t e ue. o will begin g when tee notice is Property or to pay sums
y period will begin wrier the notice is given.
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount
writing, any application of proceeds to principal shall not extend or
paragraph 21 the Property is acquired by Lende
damage h the t P r o prior so the b shall Borrower's
to e r's r g the extent insurance the s p of the payments. I fr
in p policies d by this proceeds resetting from
y prior t t h e acquisition. airs secured by this Security instrument
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan
Borrower shall occupy, establish, and use the Property as Borrower's principal residence within
this Security Instrument and shall continue to occupy the Properly as Borrower's principal residence Application; Leaseholds.
he date i occupancy, In sixty days after the a year of
unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or
extenuating circumstances exist which are beyond Borrower's control. Borrower shall not ncP for at least one year after
Property, allow the Property to deteriorate, or commit waste on the Property Borrower shall unless
action or proceeding, whether civil or criminal, is begun destroy, damage or impair the
Property gun that in Lender's good faith judgment could result in forfeiture of the
ports or otherwise materially i the gal created b
cure surh a default and reinstate by this Security Instrument or bender's security interest. Borrower may
cure
iu. L defa ga faith d e, spro precludes forfeiture of the Borrower's interest in the Property or other ided in paragraph 18, by causing the action or proceeding to be dismissed with a tulip
impairment of the Lien created by this Security Instrument or Lender's security interest
material in default if
Borrower, during the loan application pprocesss Borrower g
to provide d uring with any application
rmiog) in connection with the loan►
gave materially falsse e or inaccurate information or statements s h a lt also be ements to Lender (or failed
to, representations concerning Borrower's occupancy of the Property as a principal residence. If this by the Note, including, but not limited
leasehold, Borrower shall comply with all the provisions of the lease. If Borrower ac
leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. s Security Instrument is on a
7. Protection of Lender's Rights in the Pro pert quires fee title to the Property, the
I►e y. If Borrower fails to perform e covenants and agreements contained in
this is S Instrument, or there is a le proceeding that m proceeding uri in str bankruptcy, y significantly affect Lender's rights in the Property
p y, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender
pay for whatever is necessary i? y (such as a
include paying protect the value of the Property and Lender's rights in the Property.
any sums secured by a lien which has priority over this Security Instrument appearin court, may paying
and
reasonable attorneys` fees a nd entering on the Property to m repairs. Although Lender ct may take action under this paragrap h
Lender's actions may
r Lender does not have to do so. in
Any amounts disbursed by Lender under this paragraph 7 shall become add' r ph h
i
Security Instillment. sburs Borrower and itional debt of Borrower secured b
Lender a to other tombs of payment, these amounts shall bear interest from the
Slate of disbursement at the Note rate and shale Lender agree
with interest, upon by this
payment.
Pan notice from Lender to Borrower requesting
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making Borrower shall pay the premiums required to maintain the mortgage in
mortgage insurance Bo ro coverage; pay
by i the le secured f, for any by this on h
lo am ge coverage coverage required
equivalent to the mortgage insurance previously effect,
in e insurance er s in effect, t, If, e a
y rider lapses or ceases to be in effect, Borrower shall pay reason, the
cast to Borrower of the mortgage insurance previously in effect, from an alternate mart p Y he premiums required to
substantially w e r v o f equivalent mortgage tg insurance coverage p viou l not effect, from
Borrower t f m at a cost substantially equivalent quivalent to the
subs twelfth of the yearly mortgage
insurance oe being gate insurer er each mo approved by Lender. If
one-twelfth
in effect, f Lender ar mortgage
use nsu retain these payments as a loss reserve h al l pay to insurance ndec ve h month a sum equal to
g pasd by s rowe wnen Sue mortg age i coverage lapsed or ceased to
lieu of mo rtgnsrance, Loss reserve
410L ANY) s92121.01
Page 3 of 8 1 y,
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1,, 0
OJW 3WOH 00K3. S113M Wd £t:ZO 3AI OOO 1-O3a
DEC -12 -2000 TUE 02:15 PM WELLS FARGO HOME NTG
FAX N0, 402 536 2230
the Pr
r of 17, '.Transfe tho 3 3 E)
k sold or transferred th if a Property or
interest in Beneficial is sold B o er If
fr o r
k sold o t ri a written consent, Lender t s in at B s rower is
require o transferred re a any part of the Property naor tural any interest in it
Security Instrument. co However, this option may,
not s option,
by Lender if immediate Borrower is of a n person} without
payment in full of all sums secured this
of this Security Instrument.
the exercise is prohibited by federal law as of the date
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
less than 30 days from the date the notice is delivered or mailed within which Borrower must Instrument> If Borrower fails to pay these sums prior to the expiration of this period Lender provide a period of not
permitted by this Security Instrument without further notice or demand on Borrower. st pay all sums secured by this
18. Borrower's Right rider may invoke any remedies
ght to Reinstate. If Borrower meets certain conditions, Borrower shall have the ri ht
or to the earlier of: a 5
applicable law may specify for reinstatement) before sale of the Pro Property B to have
enforcement of this Security Instrument discontinued at any time pri
Security Instrument; m may p enentry re nsuement enforcing tethis of the Security p pur pursuant t Those dayo any power conditions are o s (f that t e Borrower: sale such other dein t his
as
P (a) pays
in this ail sums which then would be due under this Security curity Instrument and the Note as if no
cures any default of any other covenants or agreements; (e) pays all expenses (b)
including, but not f a n y d to, reasonable attorneys' g e fees• and (d) acct }erasion had occurred; nt,
including,
the lien but
this mired Security t Instrument, rights in the Property incurred in enforcing this Security Ipso assure
()takes such Borrower's action as 's Lender may reasonably require c o assure
t Security Instrument shall continue unchanged. Periy and BO A °War s obligation to pay the sums secured by
Upon reinstatement by Borrower, this Security Instrument and the
this
obligations
Security
secured hereby shall remain fully ef as if no
not apply in the case of acceleration under paragraph 17, acceleration had occurred. However, this right to reinstate shall
19. 19 Sale of Mote; Change of Loan Servicer. The Note or a
Instrument) 19S may be sold one n more Lo an without partial interest in the Note (together with this Security
I the "Loan may be sold
that collects r more
month! thout prior notice to Borrower. A sale may result in a change in the entity (known
a s more changes of the y payments due under the Note and this Security Instrument. There also may be one
g Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be
law. The notice
given written notice of the change in accordance with paragraph 14 above and applicable law
information Y applicable law. an
uired b P ytnents should be made. The noticewiil also ota sin any other
address of the new Loan Services and the address to which a
s
s S
o
a
H
20. azrduubtances. Borrower shall not cause or e
Fazard0. Hazardous ub to or in the Property, .Burrowers permit the presence use, disposal
Property
Hazardous Substances is o violation of any hall not do, nor allow anyone else tondo, anything in or release of any
Prop on the Property of of y quantities Environmental of a does Substances that are en anydrin afce u s e for
u preceding two sentences shall not d to to the presence, use, or
residential uses and to maintenance of the Property. generally
Borrower shall promptly y cognized to be appropriate to normal
P mptly give Leader written notice of any investigation, claim, demand, lawsuit or other action by
governmental or regulatory :agency or private
of which
governmental
o re has actual al kn y or private
If Barry involving
learns, the
is notified and
b any any
Property b any govern Substance or r e or Environmen Law
any removal or other remediation of any Hazardous Substance affecting the Property is governmental
necessary, or re
all necessary remedial actions in accordance with Environmental Law regulatory authority, that
As used in this paragraph 20, "Hazardous Substances" are those substances def Borrower shall promptly take
Environmental Law and the h following 20, med as toxic or hazardous substances by
pesticides and herbicides, volatile solvents, containing asbestos�a8foetxnatdeh
amenable or toxic ct ve materials, products, toxic
this paragraph 20, "Environmental Law" ydc, and radioactive materials. As used in
relate to health, safety or envirotunental protteectionf epees! laws and Caws of the jurisdiction on where the Property is located that
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: Acceleration; Remedies, Lender shall give notice to Borrower prior to acceleration
of any covenant or agreement in this Security Instrument (but not prior to acceleration s
applicable Taw provides otherwise The notice shall specify: following Borrower's Borrower s breach
(c) a
date, not less than o ti days from the date the shall s is given to Borrower,) which under paragraph 17 unless
(d) that failure to ch the days from on the
date the
the dates (a) the default; Borrower, by the action required to cure the cured;
secured that f by a lur to Security re ,Instrument and sale of the Property. y r result default must be cured; and
specified in the notice may re !n acceleration of the right
reinstate after acceleration and the right to bring a court action to
p sty• Tne notice t ball further inform a rro au of the any t e r
defense of Borrower to acceleration and sale. 11 the default is not cured oil or bet
assert the before f date to a default or the other
Lender, at its option, may require immediate
L uther at its and may y invoke the payment in full of all sums secured bye this date speen in the without
further demand collect all may inv incurred kth pojn power o sale and any other remedies permitted this S bleu I shall be
en fled to attorneys' s' fees mitred ra by h 21 in le taw. Lender shat ted be
pursuing the remedies provided in this paragraph 21, including, but not limited
y and costs of title evidence.
II Lender invokes the power of sale, Lender shall ive
PO sion of the Pro rt S notice of intent to foreclose to Borrower
Pe y, if different, In accordance with applicable law. Lender shall give notice of the sale to
41 6R(WY) (9212).01
Pegs 8of6
Initlpls:��
Form 3051 9/90
11111 1•11'
P. 11/21
epp-6RiWY1 192121.01
DE !.2-2000 TUE 02:16 PM WELLS FARGO HOME MTG
Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the Property
in the manner prescribed by applicable law. Lender or its designee ma y 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 t shall be n sold
attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or Persons legally
entitled to it. to, reasonable
22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security
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 ri hts Instrument
dower in the Property.
R of curtest' and
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together
Security Instrument, the covenants and agreements of each such rider shall be Inca rporated 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. r with this
[Check applicable box(es)]
Adjustable Rate Rider 0 Condominium Rider
Graduated Payment Rider Planned Uni Development Rider r: 1 -4 Family Rider
Balloon Rider Rate Improvement Rider B'weekty Payment Rider
I 1 v.A. Rider ❑Other[specify]
Second Home Rider
(s )[p s
BY SIGNING BELOW, Burrower accepts and agrees to the terms and covenants contained in this Securit Ins
in any rider(s) executed by Borrower and recorded with it.
Witnesses: Y trument and
My Commission Expires; 9/12/03
(Seal)
Borrower
STATE OF WYOMING, katitaft Tthton County ss:
The foregoing instrument was acknowledged before me this 12th day of December, 2000
by BARBARA L CONITE, A SINGLE PERSON
Pape6
ARBARA L CoNXTZ
FAX NO, 402 536 2230
03
P. 12/21
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
Form 3051 9/90