HomeMy WebLinkAbout870560NOb�2 1999 12 :26PM NORWEST MORTGRGE U/W NO. 137 P. 11/32
7948157 WYFM -'0322 -1
State of Wyoming
FHIA Wyoming Mortgage .4/96
atiaatwii (880441
AMP MORTGAGE FoAM6 (8001521-729h (15
Pepe 1 of 8 nlpala 1��
862822
HOOK_ PR PAGE 8 Q
(Space Above This Line For Recording Dnigl
MORTGAGE
THIS MORTGAGE "Security Instrument is given on NOVEMBER
The Mortgagor is CALVIN R 30VT1LWICK, A SINGLE PERSON
810560
"Borrower''). This Security Instrument is given to NORWEST MORTGAGE, INC.
NOV 2 9 a f
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PF(A Cube No
591- 0865677 703
22, 1999 Iii IV D
.INCOLN C0UN•r( CLERK
01 iI,11 pt 2:0
k E M M ERE Y OM C MG
K�MM
BOOK 457
PR PAGE 7 9
which is organized and existing under the laws of THE STATE OF CALIFORNIA and
whose address is P .O, BOX 5137, DES MOINES, IA 503065137
"Lender Borrower owes Lender the principal sum of
NINETY FOUR THOUSAND THREE HUNDRED FIFTY FIVE AND 00 /100
Dollars (U,S, *'*t *94, 355.00
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 01, 2029
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 stints,
with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance
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NOV.24.1999 12 :26PM NORWEST MORTGAGE U/W
OS'70560
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 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 parr 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,
S. 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 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 inspept 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
10i411IWY) iesoal.oi
NOU :i 11 :52
No 3 of 8
80
NO.137 P.12/32
781
Initials: C CC.P
4062540484 :.12
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ZE /ET'd LET'ON M /fl 3901.L OW 1S3M6ON Wd22:2T 666T'P2'AON
NOV.24.1999 12 :27PM NORWEST MORTGAGE U/W
(Mke RIWY) 196041.01
NOU 11:53
NO.137
P.14/32
084G46 8
0870560
7 83
(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 d not permitted by regulations
of the Secretary,
(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 60 days from the date hereof, Lender
may, at its option, require immediate payment in fall of all sums secured by this Security Instrument, A
written statement of any authorized agent of the Secretary dated subsequent to 60 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 Mt
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 suuccessor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor 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,
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2E /SI'd LEI'ON M/n 3H51 .60W 1S3M6ON Wd82:2I 666I'P2'AON
NOV.24.1999 12 :26PM NORWEST MORTGAGE U/W NO.137 P.16/32
18. Foreclosure Procedure. If Lender requires immediate payment in roll 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 costa 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 the notice of sale, and the
Property shall be sold In the manner prescribed by applicable law. Lender or its designee may purchase the
Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the
sale, including, but not limited to, reasonable attorneys' fees; (p) 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 soars secured by this Security Monument, Lender shall release this Security
Instrument without charge to Borrower. Borrower shall pay any recordation costs.
20. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of
cutesy and dower in the Property.
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
In it. [Check applicable box(es)],
Condominium Rider n Growing Equity Rider Other [spec fy)
Planned Unit Development Rider U Graduated Payment Rider ARM RIDER
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