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HomeMy WebLinkAbout869274fOCIL RELEAF 0 5562: This M ortgege SEE 80011 411F 9RrgAE PAI WHEN RECORDED RETURN TO FIRST NATIONAL BANK -WEST PO BOX 1620 AFTON, Wit 83 110 8692' [Spam Above This Lino For Recording MR) MORTGAGE LOAM N0. 107- 260 39430 THIS MORTGAGE "Security Instrument is given on OCTOBER 25, 2 0 0 0 DON SHANE BROOKS AND TRACY K BROOKS, HUSBAND AND WIFE This Security Instrument is given to FIRST NATIONAL BANK OF AFTON, A NATIONAL BANKING ABSOCIATIO which has the address of 4400 BITTERCREEK ROAD 140, AFTON tame Wyoming 83110 "Property Address Me Cods) WYOMING. rash, Muggy Fusla t l Pteddie Mee UNIFORM INSTRUMENT D1NMAJOU rase 1 of 7 RECEIVED DO OCT 25 Hi Lc. 12 I h L. i :i''a E R r7 4r�`!Il`�1G BOOK 4 5 PR PAGE3 24 The mortgagor is "Borrower which is organized and existing under the laws of U. S OF AMERICA and whose address is P.O. sox 1620 AFTON, WY 83110 "Lender Borrower owes Lender the principal sum of ONE HUNDRED TEN THOUSAND AND 00/100 Dollars (U.S. 110, 000.00 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 NOVEMBER 1. 2030 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 LINCOLN County, Wyoming: Parcel 1 The North 429 feet of the West 293 feet of the East 1056 feet of the N1/2NW1/4SW1/4 of Section 14, T31N R119W. Parcel 2 TOGETHER with the right of ingress and egress being part of Section 14 T31N R119W of the 6th P.M., Lincoln County, Wyoming described as follows: BEGINNING at ^the Southeast corner of the above described parcel, thence N 90'W, 494.50 feet; thence S 0 W. 30 feet thence N 90`3, 494.50 feet; thence N 0 30 feet to the POINT OP BEGINNING. 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AMJado1d am lute puu ICiiadozd all i(anu0o puu 1uta `a2g51JOUI 01 1g2p atl stq put pahnuoo Agatat alma am ;o pastas ,Ctn;mui s! Jam0ttog legs S.LNVNHAOO 2IgMO211IOa „•AlJadotd„ all se luatuntisul ,tlunoas sup ul 01 patza ;at st 8ut0 9Jo; 0111 JO Hy •luatutulsul /ilunoas stgl riq patanoo aq Osje !legs suotltppe puu sluatuaoujdat lld .ilJadotd at1 jo ued a Jaijuaiaq 10 moo satnlxt; pure `saotreuaunddu `sluatuasua !it pug 'XiJadotd ag1 uo papata Ja1;eaJaq Jo moo sluauranotdtut ag1 IF HIIM 2IgHI DO.L tie -ocrl Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. 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 the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. 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 and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith 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 of 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 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. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 3 of 7 11 L 3o b aSed r TSOEVLHN3 :Sie13[llj INSW 1 LLSNI ■1IO33N1 ae ai ai W PP 3/aeW aftruv3 spun,/ agu1S JNIWOAM °1U0SU0O S,xamo1JOg le lnotupt, a10N am Jo luaumalsuj Aitxnoas sup jo sutial ag1 o1 Naar m suonnpoumioaoe Niue alum Jo Jnaglol jtpotu 'puma of aaan Amu Jamolxog Jatjio Cue pun 1apuai Intl man (o) pun :3uatunilsuj Al sup Aq pamoas stuns ail ,ied o1 palatjgo Ajjeuosiad lot st (q) :ivautnxlsuj ,lianas sup jo stunt am Japun AradoJd am UT Isamu! s,1amo11Og letl Aanuoo pun luni2 `a8aplouz o1 Atuo luauun13su1 Alunoas sup 8utats -oo st (e) :alou ail ainoaxa lot saop mg luaturinsul Altmoos sup suits -oo 011M Iamollog Auy •IsJanas pus 4Utof aq jjsgs sluatuaa1Bn pun slunuanoo s,Jamo11Og .Lt tldnanted 10 suotstnoad am 01 loafgns `Jamofog pun xapua -110 sugtssn pun siossaoons am 1tlauaq pun putq hugs 1Uatuuupsul Altxnoas step to stuattaadn pun s3tlnuanoo agy •s.iauats -o3 :,itttigini oiquaanas pug ;uior :punog su2tssy pun saossaaans 'z1 Aipar. =J JO 11141 Ann 10 astolaxa at1 apnjoaad Jo to Jantem e aq 3ou tuts ,Cpauzaa 10 111211 Ann 2utstoaaxa lit Japua1 ,Cq aousanagaoj Airy •1sa1a1ut ut slossaoons s,xamonnOg Jo Iamollog Ieut2tlo at1 ICq apnut puntuap Atte 10 1J0snax Ag puautnllsuj Allmon sup Aq pamoas sums atp 10 uotleztlaoure £ltpoul astmaatpo Jo luaumAnd Jot amp puma of asttta1 Jo 1samlut tit slossaoons Bits lsuts n autpaaooad aouatuuzoo op pa1tnbai aq iou unto Japua-t ma'am lit slossaoons s,10m0xJ0g Jo Iamollog jnutSuo am JO Altltgstl alp aseata1 o1 a1e1ado you hulls 1amoJJOg 10 maim! 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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 connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this 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. 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Witnesses: STATE OF 1,0 -110 W G7 COUNTY OF L, SS: The foregoing instrument was acknowledged before me, a Notary Public, on 7,y 0C ol�a 1 2 Dl)C9 by: Don Shane Brooks and Tracy K. Brooks Person(s) Acknowledging In WITNESS WHEREOF, I have hereunto set my hand and official seal. My Commission expires: WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 County of Lincoln Kerry Millich Notary Public State of Wyoming My Commission Expires Stt l _2L2 Page7of7 730 DON S E BROOKS T CY'K BROOKS 4?;./_; D (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower 0t -9 4 MORTGAGE ADDENDUM The following• is an Addendum to the Mortgage. The addendum shall be incorporated into, and recorded with, the Mortgage. TAX EXEMPT FINANCING RIDER This Tax- Exempt Financing Rider is incorporated into and shall be deemed to amend the terms of the Mortgage to which it is attached. In addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree as follows: Lender, or such of its successors or assigns as may, by separate instrument, assume responsibility for assuring compliance by the Borrower with the provisions of this Tax Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: a) All of part of the Property sold or otherwise transferred (other than by devise, descent or operation of law) by Borrower to a purchaser or other transferee: i) Who cannot reasonably be expected to occupy the property as a principal resident within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (i) (2) of the Internal Revenue Code; or il) 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, all as provided in Section 143(d) and (i) (2) of the Internal Revenue Code; or Hi) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i) (2) of the Internal Revenue Code; or iv) Whose family income exceeds applicable income limits as provided in Section 143(f) and (i) (2) of the Internal Revenue Code. b) Borrower fails to occupy the property described in the Security Instrument without prior written consent of the lender or its successors or assigns described at the beginning of this Tax Exempt Financing Rider, or c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended, in effect on the date of execution of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax- Exempt Financing Rider. Borrower Don Shane Brooks MPP 21043 (Revised 12/95) Borrow r cy K Brooks 731