HomeMy WebLinkAbout869470(„Japuoq
si ssazppg asotim pug
zamozzog
[MID]
:sE[uuj
f,� 1Odd xd )IOOU
9Nl ,rye 31JBu "1 v13
n
C f1,011 00
1;)
G3i\13O3L
L 30 1 a8ud
tsOEVIVN3
,LNat ntisNt t a1OdINR. W a!PPaa, 0 1 1 Me3.q1 1103 3 LUIS 9NI1QOAM
[apoD d[Z]
0TT£8
„ssatppd AuadoJd
[]aaiis]
NOS3V Sl1NHAV a'ISIN T £T 3o ssazppg ag1 sag goigm
•o{a9TO
Aquno3 utoouTri eqq go spaooaa eta, go 9T' abed uo gdg6£ Noog ut L66T
'8T eunr pepaoaaa pap tuteTogTnb ut peutequoo purl Cue aiaSOxa aiiv SSSZ
•butuutbaq go qutod aqq of spoa s gsem aauagm
:sp01-0T g4n0S aauagq
:spoa S gsea eouagl
ispoa OT g31ON
aouagl butuuna pue SZ uotpaes pies go aauao0 lsaMgnnos aqp tuoag spots
Z ggaoN pue lea; zit Z 'sPo2i 9T'Z gsra st t;aTt;M lutod a qv butuuzbeg
sJottog se pagtaasap AtaetnoTgaed aaotu buTeq buttuoAM
'Sluno3 utoaut'I 'Iva 1119 aq4 ;o M6TTH NZ£s 'Sg uotgoes go lard
:2ututottm `,iluno0 N IOOxI'I ut pawooi Auadozd paquosap &upmotio3 ag1 'aigs 3o zamod
mph `zapuaj o1 Iianuoo pug um.12 `aRauout £gazag saop Jamoiiog `asodznd sup zo3 •a10N am pug luounJlsul Aiunoas
mil zapun sluatuaaag pug sluguanoo s,Jamoiiog 3o aouuuuojzad am (o) pug `luautnJlsul Alunoas sup jo Xliznoas aql loaloid
01 L gdvAgzud Japun paougnpe 'Isamu! qqm `stuns zaglo tie 30 luatuiCgd aq1 (q) :aloN 3o suotleoJipout pug suotsualxa
`sigmauaJ rig pug Isamu! gltm `a1oN aril Xq paouaptna Nap at113o luatuAgdai agl (g) :zapua- o1 saznoas luautnzlsul Aliznoas
MI 0 O Z 'T 2ISSInISAOx uo aigrAgd pug anp 'Jatumga mud iou 3i `lgap tin3 agl grim 'sluaw gd i(igluout
zo3 sapinozd gomm „a1oN 1Uautnzlsul ,iltanoas sup su amp atuus am pomp alou S,Jamozzog ,iq paouaptna si Nap sigZ
00 •s•n) S1itou
001/00 axv aMYsnOHS XIS LLNSASS 3o tuns
VOIIISNV 30
HOY91,110N
MEG Su!pmaau 10 1 tsar SRg L aeogd c oed s
0L.f1098
Mrialsm VW 13
9$13tt mow st
asirriabl 16
Igdtouud ag1 zapua -I samo iamoiiog
0TT£8 AM 'xOS3V
OZ9T XOg •O•d
S n JO smut atil Japan uUStxa pug paztug$zo Si gaigm
ROISKIOOSSV DNIXNVS 'IVNOI VM V
yg XMVS 'IVNOISVN ZS2tI3
011104 si luatunzlsul Alunoas sua
aaIM aMK aMKSSnH SWVI'I'IIM vuaaa amv swviTIIM SWKHsna 'Ira
st zo2auouz ags 0 0 0 Z 0 ne0,1,3O uo uant$ Si („luatunzlsui ii1lznoaS..) 1DVO L2IONi SIM,
'896£ 'ON NIO'I
OTT£8 AM 'Nos3V
OZ9T XOS Od
ZSSM -?IMVS 'IVNOISVN JLS2II3
O x2inIau aaa2io0S2i NSHM
SuiutoIiM
?4th
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 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 warrants and will defend generally the title to 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 (t) 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.
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 law 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 Security 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.
WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials:
FNMA30S1
Page 2 of 7
•os op 01 aneg 10U saop Japuai `L gde1Bend
sup lapun uopOR axes huh lapua-1 tgno1111V •S1! dal MU! of ,Cuadold ag1 uo gUIJO1U0 pug saaj ,siiaulolle ajgguosgai gut,Cgd
'moo ut gupraddg luaunulsul ,Clpnoas sup .10110 Xluoud sou gaigM uatj u ,iq pamoas stuns Aug 2ut,itd apnjout ,Cum suotlou
s,.tapua-I •,Cuadold am ut s,.tapua-j pug ,ivadold am jo anjmn am 2Oa1old o1 ,tl11ssaoau st 1analmuM 1oj ,i11d pug op
hut .Iapuai uatp `(suop11Tn2a1 SMgj 03loju0 01 .10 ain11ajioj io uop11UUapuoo ioj `almgold `Aoldnn ugq ut gulpaaxold m sm
Bons) ,ivadold 0112 ut sp. a s,Japuai l3ajjt ,CjlugotJtugts Amu lggl Sutpaaooid Taaj u st 010111 10 `2uamttl2suj in s sup ut
pautgluoa sluatuaaafe pue s1UEuano3 atjl uuojlad o1 sjrej 1amonog 31 •kl Iadoad 0111 ul slg2lg s,aapuarl jo uotpaload •L
•IupLM U11°Smau a111 01 saa1ge
lapua1 ssajun aglow IOU ins app aaj aui pug pjotps11al am `,Cuadold agl 01 app aaj saitnbog 1aMo11og jj •OSE01 au1 jo
suotstnold alp jig gum ,CTdmoo jjegs 1amonog `pjotpsgal g uo st luatun.Ilsuj ,ilnoas sup jj •aouaptsa.t jgdtouud a s11,Cuad01d
au1 jo ,Couudn000 s,lamollog 2uituaouoo suotluluasatdaz `o2 palimtj lou 1nq &ulpnj3ut `aloN atj2 ,Cq paouaptna ugoj 0111 g11M
uopoauuoo ut (uopumlojut jutlaltu Aug gltra lapuai aptnoid 01 pajtgj 1o) lapuaZ 01 Sluaualmis so UOMULIojut a2mUn3Omut
so asjmj Aljet.talem 01111$ 'SS OOld uo9113tjddg U110j aql 3uunp `1amo11og jt 1jngjap 111 aq osjg Tinos 1amo11og Isamu! ,Clunoas
s,lapUa7 10 1Uamn12SUI ,iltmoas sup ,iq paigal3 uatj 0112 jo 1uaultedu1 Tgtlai11u 1a111° 10 ,ivadold.agl ut isalalut s,lamollog
am jo ain11ajioj sapnjoaid `uop11uttuualap 11211; pool s,1apuai ut 'mu 2utjttl g gutM passlmstp aq 01 2utpaaoold so uot1Ot
0111 2ulsneo ,Cq `8T gdgi2gzgd ut paPlnoid se `almismal pug ljnejap m guns 0.1113 Arm 10M0.1.1011 •150101U! ,C1tm3as s,lapua'l
.10 1TOutu1SUI ,ilunoaS said ,Cq pawn ualj am ltmdmi ,Cjjgt1a111m as!Mlaglo 10 ,ivadOld 0111 jo alnitajloj 111 21nsa1 pima
luam2pnf ultlj pool s,lapuo ut Imp un2aq st `jgutuu3 to 11A131ag2a1M tupaaoold U011311 =Rpm Aug jt ljngjap ut aq
jjegs 10M0110g •,ivadold 0111 uo a3sgM mama 10 '01111011010p 01 Iilzad0.1d aql moue `,Cuad0ad 0111 1tedm110 agetuep `,i011sap
1011 Ugus 10MO.110g 1011uo3 S 100 011og puobq a111 113111M lstxa saouglsutnono 2utignualxa ssajun 10 `pia111111M ,Clgguosgalun
aq 1011 imp 1110sUo3 IjO1IM `2119!IM ut S00.12g as!Mlaulo lapua^I ssajun `,COU1dn33o jo algp am _tang 1ta,C 0110 1sgaI
111 1oj a3uaptsal jedtouud s,lamouog sr Alladold ag1 Adn000 01 0111191103 mils pug 2uaunllsul Allmon sup jo 110!11130x0 alp
1o1jm s,fmp ,ilxls utgltM aouaptsa' jgdtouud S,1amo11og sg Alladold a11l asn pug `gsggglsa `,Cdn000 Tinos 1011011011 •sPlogasearl
:uoileallddy ugo'j s,aamomog :Slaadoad am JO uoll3aload pug aaueualulgj^l 'uonenlasaad ',fauednaaO •9
•uotltstnb3g ag10110!1d ,iTal11tpautut lttamtuisuj
,C2 sup ,Cq pamoas suns alp jo lua2xa am 01 iapua-j 01 ss11d Tints uoptstnbo11 0111 01 1ot1d ,ivadold a111 01 a2gtump man
2utllnsaa spaaooid pug satotjod a3ug1nsut Aug 01 1118!1 s,lamollog `lapuarl ,Cq pa.ltnb3g st ,Cuadozd au1 TZ gdga2gzud xapun
jj •sluatuhd am jo lunoure alp amp 10 Z pug j sud1112m111d 11I 01 pallajal sluauaud ,2111111011 am jo amp anp 0111 auodlsod
10 pualxa 1011 Tjm11s Tmdi3uud o1 spaaooid jo uopg3tjdd11 Aug `3uiIuM 111 001211 OSIM101110 10M0110$ pug lapual ssajufl
•uan12 si 03t1011 am ua4M
u12aq i11M pouad ,igp -p£ aqI *anp 11041 1011 10 laglagM luamnalsul A2unonS sup ,Cq palnoas suns ,C11d 02 io ,ivadold am
0101501 10 11lda1 01 spaaoold 0111 asn huh lapua' *spaaooid aotleinsut 011113ajjo3 Amu lapua7 U041 `mtmj3 m mm11as 01 pang()
s11g 1aulmo aouminsut 0111 11142 lapua-I uolj aopou m sip p£ utgltM IOMSUg 2011 saop 10 `,Cuadold 0111 suopugqu aamoaaog
jj •1amo11og o1 mud ssa3xa Aug uum `anp 11041 1011 10 1atpagm `luauttllsuj ,ilun0as sup ,iq pamoas suns a111 01 patjddt
aq Titus spaaooid a3u111nsut alp `pauassaj aq pjnoM ,ClunOas s,lapua1 JO ajgts11aj ,CTj113tuouooa IOU st 11uda1 10 Uot211101S01
am jI •pauassaj 1011 st ,Cltan3as s,Japual pug ajgtseaj ,Clju3tu1ouo3a Si 1111da1 so uop111oIsa1 ag1 j1 `pa211u11p ,Cuadold atp
jo 11uda1 10 uotlm1o1sal 01 potjddm aq jjmus spaaooid 03uml ism `$upuM 111 001211 astM1atpo 1011011011 pug aapua' ssajufl
10M0110g q ,clldtuoad ap11u 1011 jt ssoj jo joold wpm hut lapuaq •aapua-j
pug 10111110 031111011111 am 01 0311011 ldtuoad ant$ jj114S 1amo11og `ssoj jo loan° au1111 •sa3tlou j11Maua1 pug stuntmaad mud jo
sldia301 jig Japua102 011!2 'CjlduOld HTMIS IOMOaaog `saltnbat Japua-j jl •sj11Maua1 pug sa13tl0d a111 Nog 0114211 ag1 011114 HMIS
lapua7 •asn11jo a2112uom p.repttu2s g apnJOU! Imp pug lapuaZ 01 ajg11ldaoou aq nets Sj11Maua1 pug satotjod aOtt111nsut Ijd
•L gd111S111ed 411M 00Ump1033u ut ,Cuadoid aq1 111 514211 s,lapua1 23a301d 01 a21110noO uteigo `uotldo S,lapuai
111
'Arm lapua' `anog11 pagposap 021110A03 171111E1.11 01 Sjtgj 10M0110g 31 •p1autp!M ,cigguosua.lun aq 1011 lig115 plum j11noldde
s,aapuarl 01 lOargns 10m0110g ,iq 11050113 aq 112115 aouginsut a111 2utpinold 10111113 031111115111 04) •saunbal aapua11mg1 spouad
0112 1oj pug slunotug °gl Ut pautmlut11U1 aq TTmgs aOU11lnsut st1j •a011minsut saltnbal lapuo'j tjOIIM aoj `2utpooj; 10 spool]
&utpnlaut 'swum 1au10 Aug pug „081101103 papualxa„ uz1a1 0111 utgltM papnl3Ut swung `0111 ,Cq ssoj isut11211 paIUSlti ,CUadold
0121 uo P020010 laljtalatj 10 211pstxa MOU sIuamOAOIdmt 0111 daax ins 1OMO11og •aauuansuI ,Claadoad ao pagz1H •S
•0390u jo &utntp zip jo sip pj utgltM mom tpioj las SU011311 0111 jo 01011 10 0110 0x111101101i
0111 ,Cjstl11s 111145 10M011011 •11011 0111 2ut,Cjuuapt 0311011 1OMO110g 0n48 ,Cum lapuo `IUOutulsuj Aumaas stgl 10110 ,c1t10t1d
111111111 hut 113!4M um! 11 01 1Oafgns st ,ivadold a111 jo 2111d Aug 111112 sautulalap lapuarl jI •luaunalsuj ,Clun3as sup 01 1101!
0111 2utlgulplogns lapuaq 01,Cao13mjst111s 111°11°01211 ug uaij alp jo 1aP1og am man salnOas (0) 10 `.uatj am jo luatua3lojua am
luanald o1 a1111ado uo1u1do s,lapua7 alp ut IOIIM s8utpaaoold T11aaj `111 mil alp jo 1uatua31ojua 1511111311 spuajap 10 ',Cq 'mil am
g1!11j poo3 111 slsaluoO (q) :lapua -j 01 ajg112da0O11 m ut 110tj 0111 ,iq paln3as u01211811g0 alp jo luauid am 03 2ut2t1M ut
sa °1311 (11) :1amo11og ssajun 1uatun11suj Allman si112 41011d 5114 'Tatum uaij Aug a311111OStp ,ipdtUold 4111151aMO11og
6b,
L 3U a$Ed
ISOSVIHN3
:s SijiUj 1N31111fLSNI W I0IINfI aUW OMPalainii MUM 6puteg alau1S ON1111OAM
C)
w-vc.4 d' 2 5 0
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. If, 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 and 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 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 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 successors 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 Severable 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.
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3051
Page 4 of 7
Initials:
•,CUadozd a1113o aougua1u12ut of pue 50511(e11uaP1sa1 i11uuou
o1 ap udozdd1 aq of paztu800az A(ir10ua8 are 12111 saauelsgns snoplezeH jo sappuunb Hums jo Auadold 0111 uo 0821015
10 `asn `aouasald au101 Aiddd Jou pulp saoualuas oml 8utpaoald a11y mini Irluauiuoltnug Aug jo uopeiotn ut st $1T1 AuadoJd
at 1 8upoa33r 8uu 1iCug 'op 01 asp auoAu11 Atoi(11 .tou `op lou putts 1amo11og •Auadold am ut so uo saou11lsgns snop111z11H
Aug jo 0580(01 zo `aSeiols `igsodstp `asn `aouasazd alp ilutzad .10 asneo Jou 'pip 1amo110g •sa3ue;sgnS snopaezeH '0Z
•m11i aigeotidd2 Aq pa1 nbal uouetuzojut .tatilo Aug ureluoo os(g
((1m aopou a11y •apgm aq pings sluamuA11d tiotgm o1 ssalpp11 aril pue zaopuas ueoli matt am jo ssaippe pug atugu a111 aims iilm
aouou atiy •mri aiggotiddd pug anogg b( 11dr18gz d tiltm aouupz000r ut a2uutio aril jo aouou ua11um uant8 aq rpm zamOlzog
`zaotnzas ueoi 014130 a81re110 a si a1a1113i •040N aril 3o 01 S u o1 palrialun zaopuas uro- atp jo saBuggo MOM 10 auo aq �Ceui
0s(g atm, •luauttu4sui ICltznoas sup pug OIoN 0141 zapun anp sluatuiC11d iC1g4uotu 5100((00 114111 zaopuas ugo-I„ am se umotn()
Amua aril 111 02uutp u ti! l(nsal /iglu airs y •.tamouog 01 0014011 1o11d lnogltm SauiI4 mow 10 auo pins aq Ar (luauzntlsui
ii11m0as 51111 t[ltm 101110801) aloN aril ui 1sa104ttt (11IJ111d g 10 010N atiy •aaoinaas ueOZ JO 0811e113 :a ;ON 3O ales '61
'Li 1ddz811111d lapun uot3uzaiaoog 3o 000 0111111 kidd111011 Butts 01114514101 0111(811 Sit 1 `10A0M0H
•pa11no0o p21( uouu1a(a0og ou 3T 511 anuoaJ ;a 14((113 mutual I(ugs Itgo1aq paznoas suotlu8t(go aril pug luaumlisul Altan0as sup
`1amolzog Aq luatualelsutaz uodn •pa2urgoun anupuo0 4(1445 luatunllsuj 1C1un0as sap palnoas sums a111 Xgd o1 uopu8tigo
s,lamozlog pug Auadozd a111 ut 5111811 s,aapua•i `luatunllsui ,CJunoas 511(1 3o 14014 at(1 p1(1 amss11 0J gimbal Aigruosuaz
iCetu lapuaJ SI 1401;011 lions swim (p) pug :saa3 ,s,CatuoJl11 aig11uos11at '01 p01luI1( Jou lnq `8ut `Juatun11su4 1C1ttn0as
sup 8uioiojua 11t pallnoul sasuadxa 4(11 s,C11d (o) :sluauiaa1811 10 slu11uanoo 1a1110 /cue 30 1(n113ap Butt 501110 (q) :patm000
putt 140(11110400011 ou 3t sr aloN a111 pure luatunzlsui X1!111005 sup Japun anp aq mom 140 11341(m sums 4411 lapua- sA2d
(11) :a2mo.1.1og 1E111 0111 suolltpuo0 aso1y •luatunllsui ,Clun3as sup 81410203140 luatu8pnf 11 3o Alma (q) 10 :luauttulsui iC1u1100S
Si111 ut pau1111uo0 airs 30 lamod Aug 01 Ju11nslnd ,fuadozd 011130 04115 alojaq (lua1ua1111sutal 103 r31oads 'C11m m11i aiggot(dde
se pouad 101410 g0ns 1o) sAup S (e) :jo 20414140 alp 012oud amp Aug 111 panulluoosip Juauunllsui A11m3as step 30 luauia0JO3ua
0111111 01 111811 a111 0111111 (IMI5 20m02108 `suoiltpuo0 141111400 5100141 lamouog 3I •a3e;sutag o; ;1{818 s,a9MOla0g '81
1amo11O 140 puetuap 10 0011014 101131113 1no111tm luauITUlsui Alun0as s1111 ,Cq pa111uuad satpawal
Aug a)(onui Agtu 1apua'( `pouad 51113 3o u0u11atdxa a111 01 zoud stuns 050111 A11d o1 5(1113 10M0110g 3i •luatutulsui ICu1n0aS 51111
Aq pamoas stuns iie Cud lsntu 1OMO110g 1 1 0 1 1 1M utt(1tm pa4111u1 10 palaniiap 51 a0tlou 0111 app 0111 uio1u siC11p 0£ 1111111 5504 1011
JO pouad 11 apinold pegs a014ou 0111 1011111040008 3o 00110141amo11og 01148 pegs lapua' `uopdo 5i111 S05101030 zapua-4 3I
•luaunulsui /Cu1n0aS si1113o app 0111
jo se me( (ezapa3 Aq pal4gigold st 054010x0 3t lapua'j Aq pastolaxa aq Jou Hugs uopdo sip `10n2m0H •luatun11su4 AJun0as 51111
Aq paznoas sums Iiu 3 ((11,4 ut 1ua1u,Ced 0411Ipa11111 1 a1inbat `uopdo sit 111 'Aux lapun `111051100 ua11!M loud s,lapua-4 inotiltm
(uosiad 4211111111 11 1ou st 1amo11og pug pa11aJsug11 10 p(os st 1amo12og 141 150103U1 i 11 34 1o) pa21aJsu1111 10 p(os s1 11
ut lsa1alut Aug 10 I(uad01d alp Jo Ind Aug 10 11 •00,110.4108 tit ;salami 111ta!J0110g 13 .10 £4.10doid 0113 JO 00351413.41 'LI
•luatun13su4 iilun0as 54113 3o pug O4oN 01 13 0 Adoo pattuojuo0 auo 1401118 aq i4utts 1am011011 •,fdo3 s,aamoaaog '91
•aigelanas aq o1 palr(oap
0111 010N a111 pug luatun11su4 £11411005 5111130 Suolslnold a141 pua s1111 Oy •uotslnold 8ui1oi13uo0 0111 1n01111& raga uan18 aq ueo
140111m a1oN x111 10 luatunl1sui ,i3un0as sup 3o suOtstnold 101110 1oa3311 1014 (pegs 101131100 140115 `meI a(geot(dde 111tm 5101(31100
310N a11110 luatun11su4 ii111n3as sup jo 0511q0 10 uolstnold Aug 181(1 Juana 0141 ui •pa111004 si ,Cuadold a111 t401gm ut uo113tpsunf
0111 3o m114 a143 pug m114 ielapa3 ,Cq patuano8 aq pugs luatun11su4 Alunoas stgy •,f ;tl►g13aanas :mei 8utuaano) 'Si
•11d111811111d 51113 141
paptnOld 511 00n18 ua4m 10(1401 10 22m0110g 01 1101148 uaaq an11g 0l pauiaap aq ((11115 lttatunllsui ,Clun3aS Si111 141 103 pOp4AOld
001100 Auy •1amo11og 01 a0tlou ,Cq saleu2tsap lapuai ssalppe 2a1110 Aug 10 11401011 paiels ssalpp11 s,lapua'i 01 (tutu 551140
1 si13 i uaA18 aq 11g1s zapua' 01 0014014 Auy •10(U0'4 010011014,Cq sa111u81sap 1amo11og ssa1pp111a11;o Aug 10 ssa1ppy ,Ciladold
a1(1 01 pa13a11p aq imp 0014014 at(y •po 1x1110111 3 asn sannbal MEI a(geo1(dde ssa411n 4tutu ss1140 1511 Aq It Jtmuuz
�Cq 10 11 8uuant(ap Aq 1401118 aq Help 3uaturiilsui Altmoas sup 111 103 paptnozd 12m011og 01 0011014 Auy •5004 ;ON 'bi
•aloN alp zapun 081111(0 luatuiCedaid
Aug 1no1111m JuatuAudald Ietued g se pa111az1 aq ((1m uop0npal 0111 `iedtouud sa3npal puma' u 3i •10A0110g o1 luauz1C11d 10a14p 11
8utxetu Aq JO aloN 011110(1411 pamo iudtouud 0111 81t10npa1 punJat stip 00(14144 01 0500110 ,few lapuari •1amo11og o1 papunjal
aq 1i1m slluzi4 pal3nutad papaa3xa 40i11M 1OMOI10g map (01304100 Ap1101411 stuns Aug (q) pug :1tut1( pal3nuiad a113 01 a81gg3
alp 0onpa1 01 XIessa3au Juno= 0113 Aq paonpaz aq 442115 08114110 141104 110115 Aug (e) :ua `sittuii paultulad 0111 paaoxa tte04
0111 411m uoj33auuo0 141 pa130(103 aq 01 p01304403 508IegO 11104101110 150101111 0111 111111 os palaldialut )i4t11114j s1 mei 111111 pug
`s0811143 ueo4 tuntuix11ut Sias g01ttm m11( 1101 1oafgns sj 1ttaultuisU4'lunoaS sup Aq pam0as 1reo4 01(131 •sa8aego 14130' €1
T
TSO£VINN3
Sl1111T i 111314IMU SNI TNXOiIN0 aels aiPPa. /aelQ aluusa swum 318"s ONIINOAM
L 40 S aged
Or 'C -1` %ill
U b )4
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any
governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental
Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory
authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower
shall promptly take all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by
Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As
used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is
located that relate to health, safety or environmental protection.
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17
unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the
default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be
cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of
the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of
the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or
any other defense of Borrower to acceleration and sale. If the 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 curtsey
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)]
X
Adjustable Rate Rider
1 -4 Family Rider
Balloon Rider
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA3051
Condominium Rider
Graduated Payment Rider
Rate Improvement Rider
Page 6 of 7
Other(s) [specify] WYOMING COMMUNITY DEVELOPMENT
HIGH COST AREA SET ASIDE RIDER
Initials:
i 5 r,.
Planned Unit Development Rider
Biweekly Payment Rider
Second Home Rider
laMOnog
(IuaS)
J MOiJog
JaMOaog
(IuaS)
JaM011og
(I
000Z T£ lago430
MEG
L3oL rd
Teas plot w° pug pueq dui las olunalaq aneq I `dOEI2I1HM SSEIN.LIM uI
2u!Sp (s)
IrrIM rauaaa
sravrrum rN vHs' a 'Irma
i t o
smsTTTTM sigaa pus smmTTTTA auuung TTaa :Aq
uo 'ougnd '0111 aiojaq po2palmouxae sum luaunulsui 2u[o2oio; aq1
li 11 TM paploaaz puu .10M0110$ 6q palnooxa (s)zapu £uu ut puu
luauznclsul XminooS sigl u[ pauteluoa slueuanoo pug Stu.Ia1 aql of Sa0IRO put sldaaau lOMo.uog MOZgg ONINJIS AEI
:SS
TSO£V 4IM1
1M W11N1SPII WBOam'BNI 2 IPPaiNaBIAI aryae3 f flUI I alaulS JHIINIOAM
ONIWOAM
!0 31V1S
Nlo3N11
JO.A1Nf100
On9fld Aad10N 33NP11 3I r 11
-poor -1 1 1 :saaidxa uotssiunuoD SIN
NT1OONII 10 AZMf103
ONIWOAM 10 m,LV LS
0 69470
As long as this mortgage is held by Wyoming Community Development
Authority, Casper, Wyoming, the Mortgage Lender may declare all sums secured by this
mortgage to be immediately due and payable if:
(a) all or part of the property is sold or otherwise transferred (other than by
devise, descent or operation of law) by Borrower to a purchaser or other
transferee:
Printed
MPP -208
Dated thi
WYOMING COMMUNITY DEVELOPMENT
HIGH COST AREA SET -ASIDE RIDER
(i) who cannot reasonably be expected to occupy the property as a
principal residence within a reasonable time after the sale or
transfer; or
(ii) who has had a present ownership interest in a principal residence
during any part of the three -year period ending on the date of the
sale or transfer; or
(iii) at an acquisition cost which is in excess of that established by the
Wyoming Community Development Authority under its applicable
regulations or program guidelines in effect on the date of the sale;
or
(iv) who has an income in excess of that established by the Wyoming
Community Development Authority under its applicable
regulations or program guidelines in effect on the date of the sale;
or;
(b) Borrower fails to occupy the property described in the mortgage without
Mortgage Lender's prior written consent; or
(c) Borrower omits or misrepresents a material fact in an application for this
mortgage.
NOTICE TO MORTGAGOR: This document substantially modifies the terms
of this Loan. Do not sign it unless you have read and understand it.
I hereby consent to the modifications of the terms of the Mortgage and Note
which are contained in the Rider.
1st d•. /*it\ A
%GIN
Sm
np 11 Th hang Williams
f October, FSK200Q
j
Printed
Debra Elaine Williams
254