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HomeMy WebLinkAbout868536d 06 /6 650£ waa j 3OHIIHILL SKZd 'IYIOI330 HILL NO aSSIZIOSfla SY JNIWOXM 'XINIIO0 N'IOONI'I 'aI'IIAaMONVIa 30 NMOS HILL 30 LZ MOOTS 30 0£ CNFi 6Z SLOT :2ultuo,Cm `,C4uno3 N'IODNI'I ut proof iivadoid paquosap 21qMOiloJ ail `ales Jo laMod 144tH `.tapua' of Xonuoo pug Iug13 `0 Suotu Xga.taq soop JoMo.uog `asodtnd sigl .IOd •aloN 0143 pug IuaultuIsui 4.tno0S s1 s3uautaaag pug s4uguanoo s,aaMO.uog jo aougtuxojiod 0143 (o) pug `luatuna;sui ,Clianoas sig3 jo X3lanoas 0143 Io0loid o3 L gdg.t and .[spun paouenpg Isaaa3ul 14uM `stuns .tag3o [Ig jo 3uawtied 0143 (q) `.atom 0143 3o suotlgog[pout pug suo[sua1xa 'sigma= Hu pug 'Isamu! 143!M 'NNoN alp ,Cg paouappta 3gap oqi jo luatuiigdaa alp (g) :.Iapua7 oI soinoas luatun.usui ,(3unoog suj 0£0Z `10 nago LDO uo aigm d pug onp `.outgo mud lou 31 'Nap um ail gllM `s3uatuked Xig3uout KIT sap[notd got14M „aloN 4uatun.tlsul i(31moas s1113 se olgp aims a144 pomp atou vaMOLIOg ,Cq paouaptna sl Igap slgZ 00'00S`L9 •S•I1) S.gilou jo tuns Iedlouud 0144 .Iapuo i somo .taMo.uog „iopuai sl ssa.Ippg aso14M pug pug pazlugaIO sl golgM oI uanl2 Si Iuatutulsui IC3lanoas spa „.iaso.uog sl ao2B21.tout at]Z ',LN1O V (I ZRIOH,Ll1V S,LI 230 SIIIV, HV SNV1IHIHA 10 1NaILI.L1IVd Ea din 10 'IVA02IddV HILL moll IM d'I IVI'\IIISSV ION SI MVO'I SHILL HDLLOAI 006L8LddVI SI dVTI UOva.LlIOIJJ (J3AI 9 3 aged 1N3WfRI1SNI W2IOdINfl aeIAI elppa.idieew aluuej-- AIlwej al6u!S-- ONIWOAM a'IONRId ''I RIVHS (INV 319NI2Id 'd 2Ia(INVXd'IV 000Z `1Z uatnnaLdaS uo uanl5 st („luatun.tlsui SI1zno g L2IOW SIH.L [Elea 2ulpaoaan am auvi st41, a Amp( aauds] 3DVd 2Id NOON 69058 VNOZRMV `XINaOHd 9 C C' O C� 8 0S£8£ XOfl 'O'd "y NOI.LVUIOd2IOD SdDIAldS 'IVIDNVNIA XI2I LVL�I :01. N1191311 (ENV QII0Dali L6 /Z0 MADE 001/00 (INV Q32IQNI1H HAI3 (INVSFIOH,L NHAdS AIXIS 69058 VNOZDIV `XINaOHd `0S£8£ XOfl '0'd VNOZIDIV 3o ILV.LS dHL jo &Me[ 0143.Iapun 8ul3stxa NOIIVlIOd2LOD SflDIMIflS 'IVIDNVNI3 XRI LVNI O Mi8 a3( which has the address of 14 GOMER STREET [Street] DIAMONDVILLE WYOMING 83121 "Property Address [City] [State] [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 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 (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 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. 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 ving fj e. 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Suadoad alp ut s2gpu s,aapuarl loaloId 02 aim ono° umigo `uotldo s,aapuarj 1e `Seat Iapuarl `anoge paquosap amaanoo utglutetu op sltm3 IaMOUOg 3I 'pja14gl4M Slgeuoseaaun aq IOU !jugs gDtgM lenoadde s,Iapuarl 01 loo fgns aaMOUOg Sq uaso1O aq jjugs aoueansut 0141 21.tptnoud aauam° aouransut 0141 °saambaa aapua' 1m141 spouad ail; 903 pug sIunotue aq1 Ut paulelurem aq !lulls aoueansur srq b °azueinsur sa.tmbaa aapua-I 4OrgM Ioj `211r1300JJ ao spoof urpnjour `spaezeq aa1410 Sue pue „a 2eaanoo papuapxa„ uua; ail u1y3!M papnjou! spamzeq `lag Sq ssoj lsutag paansur Auadoad am uo moan IaiJealaq 10 2UUS[Xa MOU S1UOUIOAOIdwr OUT dal)! !lugs IaMOaaog •aOUgansuj Slaadoad ao paeze •s 0 C853G 618 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 successor 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 Several 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. 13. 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. 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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] VA Assumption Policy Rider Adjustable Rate Rider Condominium Rider 1 -4 Family Rider Graduated Payment Rider Planned Unit Development Rider Biweekly Payment Rider Balloon Rider Rate Improvement Rider Second Home Rider Other(s) [specify] BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: COUNTY OF STATE Of LINCOLN WYOMING My Commission Expires 49-a-410 r .43 a«*". m My commission expires: ?rat q6j G ALEXAN P. PRINGLE SHARI [Space Below This Line For Acknowledgment] STATE OF The foregoing instrument was acknowledged before me this SEPTEMBER 21, 2000 (date) ALEXANDER P. PRINGLE AND SHARI L. PRINGLE ���.we NOTARY Y PUBLIC (person ackno Notary Pu 22WY 02/97 Page 6 of 6 IC COUNTY SS: (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower by e6ed 00 /LO AaZI iamj Aonod uondwnssy VA '(p) 6ZL£ 'D °S'fl 8£ 3o suotstno.Id agi .tapun idwaxa st .Iawnssn alp j! pantuM Aljnotiuwoinu st.aa3 stgZ •alquAud pun anp Alaintpaww! aq hugs `3oa.iagp aa.tajsunq i(uu 10 pampas Aiwa! ssaupalgaput alp jo aaXgd alp jo uot;do agI Ig `pug `paptnold utanag a w alp lu Isa.talu! nag hugs `IuawniIsul stgi ,iq pampas ,Cpga.Ilg imp of igap lnuotitppg un ainitisuoo hugs aaj aqI `.Iajsuuu Jo amp agI lg aaj stgi ,Cud of sltuj lawnssn ag13I s.Itu33y sugzalaA jo Iuautunda j alp .to3 aaistui se 'wag pazuoginu slt to .taploq umol agI oI xaJsug:ci3o awl agl in ajquAgd aq pugs Aitadoad agi 30 .cajsuncl3o awl) agI jo sg two! slip jo aouulgq amp %0S`) luaoJad I jo31gq -auo of Ignba aaj y .gad ONIQNfld NOIIdIATf1SSy (g) :nmolaq gizo3 las se sluawaaag pug slunuanoo Iguotitppu of ioafgns aq ospn pugs Xuadocd 043 3 „uotidwnssg .tajsunai pazuoging uy :NQI.LdNIf1SSV °bNL£ °Y'S'f1 of Iunnsand pagsttgnisa st two! stgi jo uotidwnssg alp jo Aitttgnidaoog a4i ssatun `aa.Iajsunal Auu of uuol Bons 3uunoas ,Citadotd ag1jo .tajsuu.I4 uodn alquAgd pug anp Alaiutpannt pa tgioap aq Amu mot stg I A LIIddOIId 3H L JO IIadSNVIII ivatuAud gpua jo Iunouu anima/to Nip %b paaoxa oI ion a nip awl g palm Aulu aa5u8uoyAI `anp st Iuatu/Cud agI .iaijg &Cup .zgpualgo uaai33 jo pua alp Act `Iuawn.Iisul alp ,Cq paatnbaa luawXud ATgiuow HT alp pantaoa.t lou sgg aa8ggi.1OJAI jt `atom agl ut paptno1d Allgouloads sy :1O1IVHD g Ly agI oI saaa8u pun sa8pajMou)lpn Aga.tag ao8aiaol l `luawn°Iisul alp ut tluo3 las Atntiuoo agi of 3utgliCuu 2utpugisgitntioN tssaippy ipadoJd] IZI£8 ONIIAIOAM `31'IIAGNIOIAIvIQ `.Lda2I.LS ZIaIAIOO bI :In palgool pug luawnalsul alp ut paquosap Avado.zd agI 8utaanoo pug „aa8u8uow su8tssg pug stossaoons sit NOLLy2IOd2IOD S3DIAUI3S 'IVIDNVNI,d XRI,LYI I of amp mugs agi jo „aio11 aloN s,aoMuoyAI alp amoas of .tanSuoyAl pau8ts.tapun alp Aq uant8 'tin/hang awl) anus agi jo „Iuaun tisul IgaU amoas of paaQ .to Istul 3o paaU `a8OuojAI atli Iuawatddns pug puatn of pawaap aq twits pug pint painiod.IOOUt st pug 000Z `IIHgWI.LdaS 3o Rgp J SIZ stgl apnn st NOI.LdIAIf1SSV QNV NVO1 aggINIVIIVf19 VA SIFLL °ZITIEOV QUZI2IOHZIIV SZI 2I0 SUIIVMMV SNY2IL 1[A dO ,LAIaIniZ2Ivdga aHZ d0 ZVA02IddV 1HZ ZIIOH,LIM a I LVIAIIISSV ION SI MVO'I SIH1 :JJLLON HALM ADI'IOd NOILLdI\I9SSV aNV AIVO'I aaaiviraVf1O VA 006L8LddV I 8IS56S 1 i39 R9s9 (b) ASSUMPTION PROCESSING CHARGE: Upon application for approval to allow assumption of this loan, a processing fee may be charged by the loan holder or its authorized agent for determining the creditworthiness of the assumer and subsequently revising the holder's ownership records when an approved transfer is completed. The amount of this charge shall not exceed the maximum established by the Department of Veterans Affairs for a loan to which 38 U.S.C. 3714 applies. (c) ASSUMPTION INDEMNITY LIABILITY: If this obligation is assumed, then the assumer hereby agrees to assume all of the obligations of the veteran under the terms of the instruments creating and securing the loan, including the obligation of the veteran to indemnify the Department of Veterans Affairs to the extent of any claim payment arising from the guaranty or insurance of the indebtedness created by this Instrument. GUARANTY: Should the Department of Veterans Affairs fail or refuse to issue its guaranty in full amount within 60 days from the date that this loan would normally become eligible for such guaranty committed upon by the Department of Veterans Affairs under the provisions of Title 38 of the U.S. Code "Veterans Benefits the Mortgagee may declare the indebtedness hereby secured at once due and payable and may foreclose immediately or may exercise any other rights hereunder or take any other proper action as by law provided. VA GUARANTEED LOAN: If the indebtedness secured hereby be guaranteed or insured under the provisions of Title 38 of the U.S. Code, such Statute and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabilities of Mortgagor and Mortgagee. Any provisions of the Instrument or other instruments executed in connection with said indebtedness which are inconsistent with said Statute or Regulations, including, but not limited to, the provision for payment of any sum in connection with prepayment of the secured indebtedness and the provision that the Mortgagee may accelerate payment of the secured indebtedness pursuant to Paragraph 17 of the Instrument, are hereby amended or negated to the extent necessary to conform such instruments to said Statute or Regulations. IN WITNESS WHEREOF, Mortgagor(s) has executed this /VA )Guaranteed Loan and Assumption Policy Rider. J ALEXANDER P. PRINGL (Seal) Borrower SHARI L. P (Seal) (Seal) Borrower Borrower VA Assumption Policy Rider 13DV 07/00 Page 2 6 22 (Seal) Borrower