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Home My WebLink About86881101013939 Return To: Homecomings Financial Network, Inc. One Meridian Crossing, Ste. 100 Minneapolis, MN 55423 Loan Number: 041- 216441 -0 868811 Prepared By: HomeComings Financial Network 14850 Quorum Drive, Suite 450 Dallas, TX 75240 DEFINITIONS [Space Above This Line For Recording Data] MORTGAGE RECEIVED 0000T -6 Boole J PR PAGE 5 MIN 100062604121644100 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated OCTOBER 3RD 2 0 0 0 together with all Riders to this document. (B) "Borrower" is LAEL L. ALLRED AND CHRISTINA K. ALLRED, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS MFWY7770 (04/00) 041 216441 -0 6AIWY) (9905) V" Page 1 of 15 InitialdF'a' VMP MORTGAGE FORMS (800)521 -7291 11 11 1 1 1 11 i r E KEMM1 RiEi W+`i`0("b'$IN`'1G Form 3051 3/99 11 66/£ L90£ wao d a s)ei ;iu) [,(3Tads] (s)zaq)O zapi2I iptued tr T Jam awoH pumas 9 L to Z a6ed zamm2t )uauged Splaamig fapi2i )uautdoIanaQ )Tun 'murk' zapTZl utniuturopuo3 (9066) (AM) V9 0 Ibb9Tt ib0 (00 /b0) OLLLAAAdW 9ddSg2I zapun „ueol aSaliout pa)etaz nllezapa3„ a se i(3Henb )ou saop ueo'1 alp 3i uana „MOT aga)zout pa)etaz Xllezapa3„ e o) pze2az ut pasodwt aze leg) suoT)oiz)Saz pues)uawaztnbaz lie o) sza3az „VdSg21„ `)uawnz)sut AlptioaS sup ui pasn sy zaaleui pafgns awes alp SuzanoS lei) uoI)Elaaz JO uoi)etst5at zossaoons JO Ieuo!)Ippe Niue zo `awry o) aura woz3papuawe a )gum Sag) se 'OM )zed 'Wd'D tz) XuopvITT3ag `uoT)ern2az2uquawatdTUi s)i Pug (bas )a T09Z uoi)aaS 'Y'S'fl ZT) lay saznpaoozd)uawap)asa)easg Ieag alp SUeaw ovasaa„ (d) luawnz)suj d)iznoaS sup jo uor)oas zapun s)unoute Niue (Z) snid `a)0N aq) zapunisaza)ui pue redputzd (T) zo3 anp )untie patnpaips Slzern$az alp sueaw „)uaudnd atpo •ueo'I alp `uo )Inejap zo `3o )uauaeduou aip )suiae zapua-I 2uupa)ozd aoueznsui swam „aaunansul a (N) •A)zadozd alp JO 1109rpu03 zo /pue amen alp `o) Se SUOTSSTTUTO JO 10STTOT)e)Q2SazdazSiw (AT) zo uoT)euurapuoa 3o nail tT aollr OAU0a (TO `iz0d01d ag) 3O zed /WE JO We JO 2U1)IL) zag)o JO uot)euwapuoo (ti) `S)zadozd alp `3o uoponz)sap JO `0) aSeuwep (t) z0j (S uoT)oas ui pagizosap sa2ezanoo aq) zapun pied spaaoozd aoueznsui imp zagp) Sized pzig) Niue kg mud JO `sa2etuep jo prim `)uautap)as `uor)esuadwoa nue sueau= „spaaaoad snoauellaasiyx„ (ix) uoT)aas utpaqu sap aze )e g) swa)i asoq)ueaw „small ,Uoaasd„ ('1) •sza3suez) asnoquueap pa)euro)ne pue `sza3suez) azim `au0gdara) kg pa)ep1UT sza3suez) `suot)aesuez) auigaeur zalla)pa;euro)ne `sza3suez) ales- 3o -)utod `o) pa)Iunl )ou st )nq `sapnroui tun) ganS •)unooae ue )ipaza JO )tgap o) uor)n)i)sun lepueuT e azizoq)ne JO `)anz)sut 'zapzo 01 se os ade) opau2ew JO `za)ndwoo `)uaurnz)suT aruogdata) `Ieutuua) automata ue q &molt) pa)ei)iut ST gaigm `)uawnz)sur laded zeltuus JO Vito 'pay pa)euJ2rzo uoporsuez) a ueq) 1aq)0 `spun3 3o zaJsuez) Niue steam „aa;suna j, spunA atuoa)aalg„ (g) 'UOT)eZTUeaIO zeltutTS z0 UOTpposs szaumoauroq `UOT)eia0ssI wniurwopuoa e �iq A1zadoId alp zo zamozzog uo pasodwr aze Trip saSzego zag)o pug s)uawssasse `saa3 `sanp tie sueaw „s)Uauussassy pun saad `sang uofnpossy SIunwuroD„ (f) •suoiuido tepipnf atgefeadde -uou 'pug atgeottdde tie se Ham se (met jo )oa33a aq) aneq )eq)) szapzo pue salmi anT)ez)siurwpr pun saoueuupzo `suogeln2az `sa)n)e)s Foot pue awls `lezapa3 atgeaildde 2u!lloz)uoo ire sueaw „At[ atgnaitddy„ (I) zapig VA Jam uoolleg zaplzI am' arge)sufpv pad„ (0) :[atgeaildde se xoq vago] zamozzog Xq pa)naaxa aq 01 OM szapiz &utmotto3 aqZ 10M01z0g ng pa)noaxa air )eg)auatunz)suI *moos sup o) szapiz IIe sueaw „saappd„ (H) 1saza)UI snld `)uawnz)sur ii)IZnaaS sup zapun anp stuns lle pue `a)oM aq) zapun anp sazego awl pug saze )uawSedazd Niue `)saza)ur snld `a)oN alp Sq paouapina Nap ag) sueaw H ugo?„ (0) •S)zadozd alp ui s)g5rJ 3o zajsuez, Sutpeaq alp zapun motaq pagpasap sT imp ,C)zadozd ag) sueaw „S)aadoad„ (3) 0 E 0 Z 'SST IIESO,Laoreq) za)et )ou IIn3 ut Nap alp pied o) pun s)uawged aipoizad zept2az w )qap sup pied o) postural(' seq zamozzog •)saza)uI surd 0 0 0 0 0 E0 T 'S'11) sz1IIOQ 00 T /ON QH 1 QNVSIIOH,L SSIIH1, QEECNIIH ENO zapua1 samo zamozzog )eg) sa)e)s a)oN aqy 0 0 0 Z (ME IIEHO,L00 pa)ep pun zamozz0g pauOts a)ou bossiwozd aq) sueaw „a)om„ (a) £ZirSS NW 'SI'IOdVENNIW 00 T EIS SDNISSOIID NVIQIIIEW ENO sI ssazppe s -t EIIKMFPIEQ JO smel aq) zapun VU1)sixa pun pazruegzo NOI,LIfelOd2IOD a ST zapua-I ONI )RHOMIEN `IKIDNYNI3 SJNIWODaWOH sI „zapuarl„ (Q) TTRS99RO 08 .8811 MFWY7770 (04/00) 041- 216441 -0 (0- 6A(H/Y) 19905) 556 (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrumentand the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Legal description attached hereto and made a part hereof Parcel ID Number: N/A which currently has the address of 711 ROCK FARM RD [Street] ETNA [City] Wyoming 8 3118 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWERCOVENANTS 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 encumbrancesof 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. Initials CZ Page 3 of t 5 Form 3051 3/99