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Home My WebLink About8695991 1. P "c170.13 'PI NMI I w v 01 vJ t 01 r CI JHDdd ad t; „npuaq asogm pug Iuawnalsul'CIlanoas sig •(aamoaaog aoReapow aq1, 9 }8 0 aovd NH ;�''�I)f,r „a; `IU!T i3 J 3 Y.,) i`d 100lti1 665698 '1. a38INnN NOISIAI0911S 114OS38 3NId1V `133d OZ I A8 133A 01 AO 319NV13311 V ONI38 17Z 101 AO 1334 0/1-11210N 3Hl :2uiwo,CM `,ilunoD uloouln ur potent)! ,Claadoad paquosap ;luimolloj am. `ales jo aaMod gllm `.tapuaq agl oI XaAUOO pue lu9a5 `a2e2pow Xgaaag saop aannoaaog `asodand sup and •aloN aqI pue Iuawnalsul ,CIlanoas stgi aapun sluawaaa9 pm slueuanoo S,lOMOaaOH 3o 0ou9waojaad aqI (o) puu `.Iuawnalsul icninoas sup jo iflunoas aqI loaload oI L gdeaeaed aapun paougnpi `Isaaatu! qI!M `scans aaglo Be 3o Iuaw,Cgd aqa (q) `aloN aqI jo suor;Bog!pow pue suo!sualxa `sj9mauaa ll9 pug `Isaaalu! 4I!M `NON alp /Cq paOUap!na Igap aqI jo IuatuA daa agl (g) :aapuaZ oI saanOas Iuawnalsul Allanoas s!q1, 060Z 6 iegweAoN uo ajg9,Ced pug anp `aatja9a Ned Iou J! 'Nap jjn3 aqI gl1M `sluawXed Xlgluow aoJ sapinoad „aloN Iuawnalsul Altanoas sun se amp awes am pomp alou s,aaMoaaog ,Cq paauapina si Igap slgl 00'00014 'S'I1) saejloa S1N33 019 PUe Sabiioa Puesnoyl euo AIaod ,-J. :sIeiiul L ;0Ia6ed 66 /t Ls0£ywNd Lfl S5s£ (009) 'oul suJJo Jesel 06/6 1.50£ WJod Iuawnalsul wao4iun oewa[ppa.id/aemluued /lwed a]6u]S ONIWOAM jo cans j9diouud agl aapuoi saMo aannoaaog ZOOEB AM `uos)loep 0001. X08 '0'd s! ssa•13p9 ONIINOAM Jo smgj a4I aapun Sutlstxa pue paziui io Si g004M eloH uos){Oep ;o muee of uan!2 s! 9a£8 AM `auldly 'PN8 illinood 014 s! ssaapp9 asogm uewoM eI6u!S y `pegwen euuezns s! 0002 `9Z aogo ;o0 uo uan!;I s! („Iuawnalsul iilranoaSli) aDVaL 1OY'I SIH,L 19V 9I110YAL [erea 6uipiooa8 JOA auii slyl enogy coeds] S01698 euuezns Iaagwe :oN ueo1 ',386£TO£O C 8 7 which has the address of 410 Foothill Blvd., Alpine [Street] [City] Wyoming 83128- "Property Address [Zip Code] 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 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 (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 Procedu -es 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 WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page2 of 7 Initials: :slelllui L 4 Coped 66/L LSOEVNINA #ids 555E 944 (008) suuor Jase1 06/6 640E Wwoj ;uewnw ;sul uaao ;lun aewelppead/eeweluueA /I!Wed e16u!S ONIINOAAA 3t tjngjap ut aq os[g pigs 10m0110g •tsaaatur Xlunoas s,lapua' 10 tuawnllsul ,Ctunoas spit ,iq pavan uatl aqt 3o tuamaredw! lgu2l2tu aa4to 10 ,ilaadoad a41 u! ;sawatup s,wamowlog a41 3o aantla31o3 sapnjoaid `uottgutwaalap g2tg3 poo8 s,aapual ur `1241 ;Iupina 2 gtpm passuusrp aq 01 5u4paaooad ao uoplou ay; Buisngo dq '81 gd212giud ur pappn0ad su `a2utstual pug tjngjap g tons 01no ,Cgtu aamOUog Isamu! 41n0as s,aapua' 10 tuawnalsui ,t ;ranoas spit ,iq paw= ua!! all atudupp X1Igualgw aspm10410 10 ,Cpodoad a41 3o a1nlpaja03 up tlnsaa pinoo tuatu2pnf gttg3 poog s,lapu0' up teyt un2aq sr `iguptuuo ao Pnpo aa42a4m `5urpaaooad 10 uouou 0an1ta31o3 ,Cup J! ;ingiap up aq hugs lamoalog •,Cpadold alt uo a1sem 1pwwoo 10 `ateaopaalap o; ,Ctaadoid att Mo11g `,Ctaadoad att apgdw! 10 autuep `,Sogsap tou huts 1am011og loatuoo s,aamoaaog puo,iaq ale gopgM tslxa saougtstunOauo aurtgnuatxa ssalun 10 `piatglpm ,ilquuosuaiun aq tou ins luasuoo qop im Turtum up saal5u aspmlagto lapua' ssalun `,iougdn000 3o atop ail 10132 w2a,i auo tsgal to 103 0ou0p!s0l jgdpurld s,aamoaaog sg ,itaadold ay1 ,idn000 01 anuptuoo hugs pug luawnl1sui ,Cltanoas spit 3o uorinoaxa ay; aa232 s,igp ,C1x!s upglrm aouaprsaw i2dp0uud s,l0mo11og se 410doid ail asn pug `gstigglsa `,idn000 hulls aamoaaog •spiogasga7 :uop ;galiddd ugol s,.aan►oaaog C ;aadoad ag; 3o uop;aaaoad pug aaugua;u!gjtJ `uop ;unaasaad `,faugdnaa0 •9 •uorltspnbo2 alt 01 loud ,ijatulpatuw! luatunl2sul ,i2unoaS spit Xq pampas stuns ag2 Jo tualxa 041 01 aapua' of ssod pigs uo►tpslnboe ail of loud ,ilwadold ail 01 aaetuep w013 ;Iutljnsaa spaaooad pug saroplod aougansur ,1112 01 142u s,aamoaaog `lapua' Xq paapnbou sr ,Clladoad ail iZ ydga2gaed aapun 3I •sluatu,Cgd alp Jo tunowg alp aVuugo JO Z pug 1 sgde1$g1 d u! of pampa stuow,igd ,Clgluow ayt 3o amp anp ail auodlsod 10 pualxa too hugs lgdpouud 01 spaaooad 30 uolleorjddu ,CUg `;Iuppam up 0a1Bu as!m1ag10 aamoaaog pug wapua' ssalun •uan!S s! a0!2ou 041 uagm u!Baq !pm pouad ,iep -0£ aq,L anp 11041 too ao aa4;a4m luawnatsui ,Clun0as 5!41 ,Cq paanoas stuns ,Cud at .10 ,Claadold ail 0102501 10 .4gdaa 01 spaaooad ay1 asn Sulu aapua' •spaaooad aouglnsur 041 Pajj00 ,Cgtu aapua' uagl `cum° g aims 01 pa1a33o 524 aauag0 aougansur 041 Imp lapua' wag a0ptou g s,Cgp 0£ utg;pm aamsug 2011 swop JO `,illadoad agt suopuegg aamoaaog 3i •12mo1aog 01 pied ssaoxa ,Cog gltm `anp 11041 1011 10 lagta4M `tuatunwlsul ,S2lm0as spit AI paln0as stuns alp 01 pariddu aq j124s spaaooad aougansur 041 `pauassal aq !room ,Clran0as s,aapua1 10 alq!sga3 iiigopwouooa too s! argdaa ao uorteao25a1 042 JI •pauassaj loo s! ,ilun0as s,aapua-I pug ajq!sea3 ,ipe0pw0u00a s! i!gdai 10 uo!tglotsal 04131 `paSuwup ,Ctaadold ay; 3o 1!gd01 10 uotlgaolsaa 01 papiddg aq Hugs spaaooad aougansu! ujlum up aawat aspmla4to 10m0110g pug 1apua' ssalun •aamoalog iq ,Cltdwoad avow too 3! 5501 JO 3001d 0)jew /NUJ aapua' •aapua' pug 10!11 0 00012111W! ail 01 a0ptou ldwowd anp$ hugs IOMOalog `SSOI 3o tuana 041 ui •500!1011 igmau01 pug swnrwaad pred 3o std!a0al iii aapua' 01 anp Ajldwoad pigs aamoaaog `saambaa aapua' 3I •sigmaual pug sapotjod 041 plot 01 2441 ag2 arm hugs aapua' •asnulo ag2ht1ow pagpuuts g apnlout pugs pug aapua' of alg22da002 aq ins slymauaa pug sa!0tlod aougansur IIH L gdgw2elud g1rm a0uep1o00g up ,illadoad ag2 up s14S!1 s,lapua't0atold 01 age1ano0 upelgo `uolido s,1apua' 12 `,C2tu aapua' `anogg paquosap 0 2J0n0o ure;upgtu 01 sp.; 1am011og 3I •piag4 ;lm ,ilg2uosealun aq loo Hits gopgm jgnoaddg s,lapua' 01;oafgns 10M011013 Cq uasoyo aq pegs aougansu! 242 Fu!p!A01d 10!1120 aougansu! a4j •sai!nbal aapua' 1241 spouad 042 103 pug slunowg 0111 up paup22uretu aq 11245 aougansu! s14t •aougansur saambaa aapua' gop4m ao3 Tu►pool3 10 spoon Suppnloup `splgz2y 10410 ,iuu pug „0221ano0 papualxa„ twat a42 urgtpm papnlour spl2zey `wig ,Cq ssol tsu!gfe palnsur Spada'," 0111 uo moan 101Jeaaa4 10 211!15!x0 moo s;uawanoadu p 041 dam hugs aam0aaog •0oug.tnsul ,f ;aadoad ao piozoH •s •00!;011 30 upnp2 04130 s,C2p pi u14tpm an0g2 ytao3 1as suoIIou 0413o aloes 10 000 031gt 10 up!! alt ,(Jspl2s Iig4s 10m0110g •110r1 a4; ;Iur,(3tluap! aoptou 2 lamoaaog anp ,tutu aapua' `Iuawnatsui Allmon s!gt lano ,i2uolad utgttg Amu t0p4m 110!1 2 01 toafgns s! 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If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires 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 attorneys' 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. 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 WYOMING Single Family FannieMae/FroddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page4 of 7 Initials: 0 6 :S1ellIU1 L O gelled 66 11 690£H101d #IJ1 555E (009)'OUJ swJoA masei 06/6 I SO£ WJO I luawna ;sul two ;Iun aeNlalppaad/aeNlaluued AIlwed a16u!S ONIWOAM sup `aaMoaaog Aq luawamsu►ai uodn •paSuegoun anutluoo !lets luawn.zlsui Aljnoas sup Aq paanoas scans alp Aed o; uot;g8!!go s,10M01.uog pue Alaadoad ag1 u! s1gSu s,.iapuaj luawnalsui AlranOas s!q1 jo uall agl imp aanssu 01 aalnbaa Algeuoseaa Amu aapua -i se uotloe tons side! 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(e) :atom alp alnOaxa 1011 saop ing 111awnalsUi Alun0as s!41 sUSls -00 o4M aaMoaaog ,iud •Ieaanas pug lulof aq pets s;uawa0aS1 pue S 1u1U0n00 s,aaMOaaog •L! gde1Seagd jo suols!noad alp 01 pafgns `aaMoaaog pug aapuag jo sutisse pue saossa00ns at1 igauaq pug punt nets luawnalsui Allan0as sup Jo sluawaa1S1 pm s;uguano° au •saauSls off fainugen leaanas pue lunof '.punog suSlssy pue saossaaons ZI •Apatuaa ao 1142!. Amp asloaaxa 0141 apnloaad .10 3o aann1M e aq 1011 !legs Ap0w0a 10 ;Op Aug Sutsl0aaxa u! aapun' Aq a0ueagagaod ,iud •1saaa3U1 u! saossa00ns s,aaMOaaog a0 aaMoaaog leu!410 at1 Aq apew puewap Aug 3o uoseaa Aq luawnalsui A;un0as sup Aq paan0as stuns alp jo uorlezl ;aowe ,cjrpow as!Maaglo JO wow/cud aoJ mull pualxa 01 asndaa JO 1S0101u! u! aossa00ns Aug 1sUi1Se sSulpaaooad OOUawwoO 01 poainbaa aq 1011 !lets aapua1 ;saaan u! saossa00ns s,aaMOaaog JO aaMoaaog lgulStao aql Jo Annul! alp asealaa 01 aleaad0 lou !legs aaMoaaog Jo 1saaalu! u! aossao0ns Aug 01 aapua1 Aq palueiS luatunalsul A1un0as sup Aq pampas stuns alp 3o uo!;ezi;aowu Jo uor;e0glpotu ao o 99 Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. 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 curtesy and dower in the Property. WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 ,Laser Forms Inc. 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