HomeMy WebLinkAbout870185[Space Above This Line For Recording Data
MORTGAGE
See Attached
Recorded/r�.: (2 /ff�� at
In Book Page 7 1' Kemmerer, WY
No. `°:.+.:11. ..:S4 Jeanne Wagner, Clerk
THIS MORTGAGE "Security Instrument is given on November 28, 2000.
The mortgagor is Lane C. Raper and Coni J. McQuiston, husband and wife
"Borrower This Security Instrument is given to Wyoming Employees Federal Credit Union, which is organized and
existing under the laws of the United States of America, and whose address is 2223 Warren Avenue, Cheyenne, Wy.
82001 "Lender Borrower owes Lender the principal sum of Twenty-seven thousand four hundred ninety -eight and
41/100 Dollars (U.S. 27,498.41). 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'
January 01, 2008. 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 Lender, with power of sale, the following described property located in.l"vrrCounty,
Wyoming: L. f C I't
which has the address of Wyoming "Property Address
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 COVENANTS that Borrower is lawfully seized 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 of 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 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 Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 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
law.
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determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien
created by this Security Instrument or Lender's security interest. 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 or the Property as a principal residence. If this Security Instrument is
on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquired fee title to the Property,
the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the 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, probate, for condemnation or forfeiture or to enforce laws or regulations),
then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the
Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security
Instrument, appearing in court, paying reasonable attorney's fees and entering on the Property to make repairs. Although
Lender may take action under this paragraph 7, Lender does not have to do so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by
this Security Instrument: Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest
from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower
requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by
this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. lf, for
any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the
premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost
substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate
mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available,
Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being
paid by Borrower when the insurance coverage lapsed or•ceased to be in effect. Lender will accept, use and retain these
payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option
of Lender, if mortgage insurance coverage (in the amount for the period that Lender requires) provided by 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 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 immediately before the taking. Any balance shall be 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 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 die 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
ay; 3I •airs pun not ;naaiaaan o; aamoaaog Jo asuapap aaglo Sue ao p Jnn3ap r jo aauapstxa -uou aq; paassn o; not ;an
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aq j •,f;aadoad aq; 3o airs pun;uawna;suI 4lanaas sly; ,Cq paanaas stuns aq; Jo not ;naa;aaan ul;insaa ,tutu aalpou
ay; ut pagpads app ay; aaojaq AO uo;lnuJap aq; aana o; mum; Jug; (p) pun :paana aq ;snw;Jnujap aq; galgm
Aq `aamoaaog o; uan!J st aat ;ou aq; a;np ag; woij s,Cup of until ssai Jou'a ;up n (a) tlinnjap ay; aana o; paaJnbaa
not ;ar aq; (q) :;Jnt;ap aq; (n) :Spaads Nuys aag ;ou aq j •(astnuaag ;o sapinoad mrl alquayddr ssalun LJ gdraOtund
aapun uolpnaalaaau o; aoud Jou pnq);uawna;sul Slanaas stq; ul;uautaaa2e ao ;unuanoa Sun jo gauaaq s, aamoaaog
2utntolloj uot;naaIaaan o; Jotad aamoaaog o; aal;ou ant2 ;Jugs aapuarl •satpawag :uolpraalaaad •IZ
:smollo; sg aaa2g pug puguanoo aagltn3 aapual pun aam0aaog 'S.LNVNHAOD 1Al21O 1IN(1
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wnaloapad olxol ao alquwwgg aagTo `auasoaaN `aullosa :saougpsgns FulmolloJ aq; pun mug 1111uawuoainug saauelsgns
snopanzgq 10 01x03 su paugap saouu ;sgns asogp aag „saauu ;sgns snopauzuH„ `oz gdgaayand stgl ul pasn sy
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st /Cpaadoad 01412ulpoa saougpsgns snopayzgH Amp uopu!pauaa aagpo ao Ignowaa /Cut lygp `XpuogTng Xtou n2aa
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ao 3! gulaanllap Xq uan0 aq pugs IuawnausuJ ICplattoas sup ut ao} papinoad aamoaaog op aoj1ou ,fug •saat;oM •ti
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pamo ledloulad all 5ulonpaa Xq punJaa slip a)leu of asootlo ,Cgu aapuarJ •aamoaaog 01 papunJaa aq 11tm spiwil papp►uaad
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default is not cured on or before the date specified in the notice, Lender at its option may require immediate
payment in full of all sums secured by this Security Instrument without further demand and 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 21, 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 14. 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; (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 of 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 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 0 1 -4 Family Rider
Ej Graduated Payment Rider 0 Planned Unit Development Rider 0 Biweekly Payment Rider
O Balloon Rider 0 Rate Improvement Rider Second Home Rider
X Other(s) [specify] Addendum to Mortgage
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 through 5
of this security Instrument and in any rider(s) executed by Borrower and recorded with it.
Xaa .iv L'�
NOTARY PIl9UC Slats 41 lianas
JANEAN S. HICKS
My Appt. Exp. qpd /Od
AreigouJtgOecc) C
z 4,)e c. g4/4.,f ;elm .f k"./ ti.- (Seal)
Lan I�at)u" Borrower
Social Security Number: 520 -82 -7994
a4,,.✓.41e y 1,,
e f iL 7 (Seal)
M cQt0 I Borrower
Social Security Number: 372 -56 -8714
(Seal)
Borrower
Social Security Number:
(Seal)
-Borrower
Social Security Number:
STATE OF WYOMING, County ss:
The foregoing instrument was acknowledged before me this day of 2000 by Lane C.
Raper
My Commission Expires:
Notary Public
LAND TITLE COMP. TEL:13077336186
CosimwswEAurn LIND TIME INS1114.V.,(,t
i; 41C0
Commonwealth
commitment No.: 817-327046
File No.: 03014160
mar ua
(PV
coxxmatim FOB TWBOalsici
SCIBDBIS A
1. Effective Date: November 17, 2000 at 8:00 A.M.
2. Policy or Policies to be isaued:
(a) Standard Owner Policy: 10-17-92
Proposed Insured: NONE
(b) ALTA Loan policy: 10-17-92
Proposed Insured: THE WYOMING EMPLOYEES PEDERA
3. The estate or interest in the land described or
this Commitment and covered herein is fee eimpl
effective date hereof vested in:
LANE C. RAPER and CONI J. McQUISTON, husband an
4. The land referred to in this Commitment is situ
County of Lincoln, State of Wyoming, end descri
as follows:
Portions of the S1/2SW1/4 of Section 35, T33N a
of Section 4, T32N, both in R119W, located in t
Townsite, Lincoln County, Wyoming and being mor
described as follows:
rsi
BEGINNING at the Northeast corner of Lot 4, Blo
Auburn Townsite and running 50 along t
.Aid Lot 4 and Southerly prolongation thereof,
tAance N89w45'19uW 660.00 feet; thence N0°14'41
4:lutherly prolongation and the Westerly line of
cf said Townsite, 429.00 feet to the Northwest
lot 3; thence S89*4519"E. along the North line
and 4, 660.00 feet to the Point of Beginning.
imu.vos, 1
9,000.00
CREDIT UNION
referred to in
and is ai the
wife
tad in th
ad
nd the N1/2NW1/4
he Auburn
e partiCUI, ly
ck 5 of said,
he East line of
429.00 feet;
'E, along the
Lot 3, Block 5
corner of said
of said Lot 3
742