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Home My WebLink About868637'0 'oN leld `£06L8L 'oN ;uawnalsul se M.ia10 A;uno0 ;o 031u0 ay; L `6;sn6ny pepaooaa ;eid ;ey; o; 6ulpa000e `6u!wo/!M `A;uno0 U!ooUll `q •oN uo!s!n!a seyoueb o!paoN `9t' 101 :gu uo tM `,ClunoJ u!oou!l ur palgoo! Alaadoad pagraosap BuUM011o3 alp `ales Jo .caMOd 411M `aapual alp of Xanuoo pug lueJ `a2g2laow Cga.zay saop JOMO.riog `asodand stye ao,d •010M agl pug luawnalsul ,C1unoaS s!42 .iapun sluawaaa2g pug sluguanoo s,aaMOaaog Jo aougwaopad 042 (o) pug `.luawn.rlsul ,tlranoas sup jo iltanoas agl loalo.td 01 L gdg.ISelgd .tapun paougnpu `lsaaalut 41!M `stuns laglo IIg jo luauagd gip (q) `•aloN alp Jo suorlgog!Pow pug suo!sualxa `sjgMauaa qv pug `;saialur g1rM 'NON alp Aq paouaprna lgap alp jo 1uawAgdai alp (g) :aapua 01 saanoas luawn.clsul 'l!inoaS sum 0£OZ 6 aago130 uo alquAgd pug anp `Jail.= pied lou J! `leap ![n; a41 41!M `sluawAvd Xlgluow .toj sap!noad gorgM „aloM luawnalsul 'ilt.tnoas srgl sg algp mugs alp prep alou S.JOMO.z.tog Xq paouaprna s! leap srg1 00'000`9£6 .s sagllou SIN30 3o tuns Igdrouud alp aapua'saMO 10MO.1.10g oaaz PUe s iviioa puesnogl OAId AP141 paapunH eu0 aapua-I once 01 `wny348)1 6EZ£ X08 'O 'd sr ssaappg asOIM pug oyepl 3o sMg! alp .tapun 2U!1S!Xa pug pazrug210 s! got4M luawnalsul /tlranoaS srgs, aaMoaaog .toSg;I1.tow au a, J C` 03A1 :03 i o 3DVd ?1d )I00$ 999£-9bb (008) out suuod masei 06/6 650E wao 1 luawnilsu[ two;[un 3eINe!ppOJ I/ae!Ne!uued A!iwed a!6u}S ONIINOAM L89 898 a!e!1!ul L to 6496e 66n 1.90£b'wNd #Idl uo! ;eaodao0 oyep! ue oyepi t0 mue8 ;slid 01 uan S sr 600£8 AM `uosper £ti8ti Xo8 0 -d sr ssaappg mown uew a!bu!s a `ZI3H0138 'r °IAva s! OOOZ 1 8Z Jeqweideg uo uan45 st „luawnalsul i aDVO,LaOIN SIILL 19V9ZMO1k [eleo 6uipJooaa Jod eun siyl anogy aoed9] l4S600061. :oN ueoi 200£8 AM `UOSI!oer 09826 X09 '0 'd oLepi to Nue8 ;sa!d £Z6£ZOZO 0 C which has the address of 734 Saddle Dr., Etna [Street] [City] Wyoming 83118- "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 Procedures Act of 1974 as amended from time to time,- 12 U.S.C. 2601 et sec "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 /Fredd[eMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1)99 Page2 of 7 Initials: /Q S00 r p� :slei>!ul L ;o eared 66/1 I9OCVNINd #Id1 999£ (0o9)'oui swaod Jase1 06/6 190£ WJOJ puewnapsul WJo;lun oelryalppeid /aeygeluued /(Ilwed 816u1S ONIWOmM 3! 3lneJap ur aq osje iju4s 10M011og Isamu! ,C3rJn0as s,lapua .10 lu0wn13suj A;rin0as sup ,Cq pale= uarj ay; jo luawaredwr jeuma' .raylo _to Ruado.cd al; ur lsa.ta;ur S,1aMOiog ay; jo aan1t031o3 sapnjoaid `uo►;eu[uila3ap g3tu3 pooS s,aapual u! `3eg3 Suring g y3rM passrwsrp aq o3 SUrpaaoold ao u0►10g 0143 Sursneo ,(q `g t 4du1S11111d 111 paprnoad se `03113511!01 puu ljngjap u guns aim Amu aaM011og •3sala3ur X3ranoas S,_Iapua1 10 luauznalsuI ,Clunoas sup Cq palealo uarj 043 1! dwr Alteua2uw as1Maag3o io ,illadold all 3o aln2ra31o3 U! 3jnsaa pjnoo 3uaw5pnf Ling; pooS s,lapua-1 ur lggl unSaq sr `j11urtu1O .10 pn!O aaglagM `Surpa000ad ao uopog 01n3ra31o3 ,iug J! ljngJap ur aq pegs 10M0110g •X11ad01d 0143 U0 01SIM 14tutu00 .10 `4e10u01ap o1 riyradold all Mojlg `,C11ado1d a41 lrgdwr 10 aggwup `/iolpsap Sou pegs 1aMOlog •jolluoo s,1aMouog puo,iaq ale 40114M 3slxa saoue3swnoaro Sur3gnualx0 ssalun 10 `pjaggl1M ,Clquuosealun aq 1ou 'jugs luasuoo gorgM, `Sur21M ur S00.I aS!MaaglO aapua7 ssajun `,Couedn000 jo alep 0141 1013e a11a,C auo 3suaj le 103 aouaprsal jedrouud s,1aMo11og se ,C31ado1d all ,tdn000 o1 anutluoo ins pue luawnllsui ,CulnOas sup jo uoj3noaxa 0143 1a33u s,iep ,C3xts UItjUM aouaprsaa jedrouud S se ,illodold 041 asn puu `gsrjqulsa `,fdn000 'jugs 1aMo11og •splogasearj !uol;eailddd ueoq s,.raMoalog '.,Cpitadoid a4; jo uo!1aa ;old pue aaueua;ulelr&j 'uor3enJasald ',Couednaa0 •9 •uou!srnbog alp Ol loud ,Clalgrpawtur luawnllsul ,i2un0as sryl ,iq paanoas stuns alp Jo lualxa ag3 0l lapuarl 01 ssud pugs uor3►srnbou aq3 01 loud A1ladoad 0141 0l aSgtugp wou3 Sur;jnsal spaaooid pug sarorjod a0uglnsut Aug of itpp s,10M0110g `lapuarj ,Cq paa!nbou s1 Alaadold all rz gduaSuled lapun 3i •sluaw,Cud alp Jo 3rnotup all aSue40 10 z pug I sgdu1Sgiud ur o1 pa1ua30a sluawArd ,Ctgluow alp jo alup anp alp auod3sod .10 puma lou'jugs ledrouud o1 spaaooad 3o uot3eorjddg Aug `Sur1!M ur aa1Su aSIM1a143o .OM0110H puu 1apu0-1 Ssalufj •uan!S Si 00!3011 all Ua4M uiSaq jjuM pouad Sup-pE aq,1 anp uagl 3ou 10 aa4pa4M `luawnllsul X3jnoas sup ,Cq palnoas stuns ,Cud 03 ao ,illadoad all 0103501 10 lredal o3 spaaoold ag3 asn ,tutu aapuarj •spaaoold aouglnsur all loajjOO ,Cew aapua' 11041 `turejO u °113as 01 pa1a33o 5114 1at11e0 aOuglnstu a41 1144; lapuai tuo13 0O!300 u situp OE UI41tM 1aMSUe 3ou saop ao `,il1adold a43 suopuugg 1OMO11og 31 •1aMO11og 02 pied ssaoxa Aug 411M `anp 11041 300 10 aa41a4M luawnllsul ,Clunoas sup Cq paanoas stuns ag3 03 parjdde aq ;jugs spaaoold aOUelnsut alp `pauassa' aq pjnoM ii3jnOas s,aapua-j 10 algts11a3 ,Cjlgouuou00a 3ou s! 1!uda1 10 uotlglo1sal ag13I •pauassaj lou sr Xll1n0as s,aapua-j pug ajgtsga3 ,CjjeOrwouoOO s! ip da1 10 uo!1g1o3sa1 0413! 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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 /Freddie Mac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page4 of 7 Initials: sty3 `10nM011og Xq 3uawalz3stga.t uodn •pa &ueyoun anutiuoo rugs 3uauzn.z3sul Ailinoas st43 Aq paln0as swns a43 iced o3 uorlr;Itigo S pur iC3iadoid alp pt s1.pu s,lapua•i `3uauina3sui 'C3 unoas sfg1 Jo uoq alp tr43 alnssr o3 atinba! Xigruosral Arm lapua -i se uorlpr yons salr1 (p) pur !sag ,sXCaulol3r aigeuoseal `03 paipwf' Sou inq `2utpnioui `3uawn13sui Sl!Inoas spy. 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Jo uotlrzf3lowr Xjtpow as!Mlay10 10 3uaw,Ced 10j awt3 pua3xa o3 asn 10 3sa103uf u! lossa00ns ,Cur 1sutr8r s2urpaaooad 00taww00 01 palmbal aq 1ou pegs 1apua-i •3sa1a3u1 ti! slossa00ns s,laMollog 10 10M0110g irutVr10 a41 Jo Altligri! a41 asraiaa 01 a3rlado 3ou pugs 1aMOI1Og Jo 350103111 ti! lossa00ns Cur o3 lapuari Aq pa3ur18 luawnllsui Ai!Inoas siy3 Aq paln0as swns alp Jo uoi3rzj31owr Jo uof1rOgipow 10 xIJ3 slel3lul L ga6ed 66n 1.90£vwN #Id1 SSS£ (008) 3u1 SWJOd Jase1 06/6 490£ wlod 1UOW U3sul uno;lutl oevuelppe ieeI laluued /llwed 016ulS ONIWOAM 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. (800) 446 -3555 LFI #FNMA3051 1/99 Page6 of 7 Initials: :ss ,f;unoD JOMODOg- (I J9MOUOg- (I JaMOJJog- (I J9MOUOg- (I (awp) 00 p Je4 'f' ��1 if ?/Z�l7. L Jo L96ed 66/6 1.90EVWNd #Id1 MC-9417(00M 'out swiod aase� 06/6 1.90E mod ;uawna ;su] wao;lul oeH]alppaa/eekvoluued Rllwed 016wS ONIWOAM t �tii�ii 1 ll1rr! l /J 1 N f, (6ui6paiMoupe uosJad) FD �V vi ---690--6 417 oir :saaldxa uoisssti ttto� 7 ir!olijo pu e pug /CTU slap ow aaojaq papal/Am/Nog seM ;uatunapsui 5utaaao3 aqi ]tuaw6palMou py god eon sl41 MoIag aoedg] uew eI6u]s e `213Ha138 r ainva �q `ONIIAIOAM 3O MINIS :sassau1IM 1! qp[M palm= pue 10M0.1.10g Cq pa;noaxa (s)aap!a Aim u! pug puaumjsul Allmon sty; u! pautepuoo spueuanoo pug sw.cap ayp op saaiSe pue spdaooe aaMOaaog 'MM HG. DNINDIS AH [AJ.toads] (s)aaypo n aap!lI awoH puooas n aap121 wawa/voicing awl" 1 I aaprj uooljeg lapnj puami(ed PlaaM!H n aapimI puautdolanaU p!un pauueld am puaw ed papenpear° 0 1°Pi21 ,Muted b -I E .Tapia uinlutuaopuoO aapr area algepsnfpy El [(sa)xoq o geoildde rag3] 'puaumapsul ApunoaS slap jo pled e 0a0M (s)aapu alp 3! se puautnapsul ,Cpunoag slap Jo spuatuaaae pue spueuanoo agp puawalddns pug puawe !legs pue opu► papeaodaoout aq Hugs .Tapp gans 4oea Jo spuatuaaaae pue spueuanoo alp `puawnapsul '!°S snip 4ptM aa pap.Tooaa pue aaMOaaog ,Cq papnoaxa an saapu °low .10 auo 3I ;uawna ;sul Xpinaas mil o; slap►j 1 �M'. f.