HomeMy WebLinkAbout86854102013891
WHEN RECORDED RETURN TO 8 6 8 5[ 1
FIRST NATIONAL BANK OF AFTON
P.O. BOX 1620 BOOK452 _PR PAGE 6 2 8
AFTON, WY 83110
LOAN NO. 034 260 -39481
which has the address of 4403 WILLOW CREEK LANE, BEDFORD
[Street]
"Property Address
Wyoming 83112
[Zip Code}
WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA30S1
[Space Above This Line For Recording Data]
MORTGAGE
Page l of 7
RECEIVED
nn o ri) t-
9
c
b, Lft 'iI i u alNG
THIS MORTGAGE "Security Instrument is given on SEPTEMBER 22 2000 The mortgagor is
CHARLES D LITTELL AND LINDA 5 LITTELL, HUSBAND AND WIFE
"Borrower
This Security Instrument is given to
FIRST NATIONAL BANK OF AFTON,
A NATIONAL BANKING ASSOCIATIO
which is organized and existing under the laws of U. S OF AMERICA and whose address is
P.O. BOX 1620
AFTON, WY 83110 "Lender
Borrower owes Lender the principal sum of EIGHTY NINE THOUSAND FIVE HUNDRED AND 00 /100
Dollars (U.S. 89, 500.00
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 OCTOBER 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:
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART OF
[City]
Initials: L.^
c) :1? -0"1
isocvma
I ""1:5(EI]lUj ,LN3INRN•LSNI WNO3IN[1 av W alppaaAMIN aluu .CUW tA 1 3 1 8 a!S ONINIOAM
snatuhd
aqp Wujouapina sldtaoal npuarl of gsltun3 Ajpdtuoid jjegs 1aM0110 'Siloallp sluauthd asagl saxeuz aaMoizog 3I °ldeauJed
sup lapun pled aq o1 slunoute jo saauou jje 1apu0-j o1 gstutn3 Ajlduwld jjegs 1amo11og 'luau/Cud pamo uosnd alit 01,A p aup
atutt uo mom Aud Hugs lamonlog `10uuEmm 11111 ul pled IOU 3l so `Z gddn$eted u! papinold .iauueui aql ut suopinqd asagl
,fed netts Jawing °Sue 31 'swat punon2 .io sluatuAEd mimeo' pue lu0utnlpsul A1unoas Sup nano Aulolld Mete hut golgm
Auado1d am 01 aigelnquue suoltlsodtui pue saute. `sa iela `sluauussasse `saxes jje Aed Hugs 1amo11og •sual' 'salaeg0 •b
•atoN aqt lapun anp sa mtp ales Atm 01 '1sut pue `anp jEdtouud 01 `glino3 `anp lsalatut 01 `pzlgl :Z gdeiVened
lapun alge,iEd slunom o1 `puooas °a1°N all lapun anp sa mgo luatuhdand Sure o1 `pslg :palidde aq IIEgs Z pue I sgdeBened
lapun lapuari Aq pantaoal sunuaed jIE 'astmnaglo sapinold met ajgeoljdde ssatun •S1u0uIAtd JO UOI1E311ddy
•tuatunllsuj Animas sup Aq patinas
sums alp psule2e llpam a sE ajes no uolllsmboE jo atoll am 1e napuai Aq pjati spung Atm Ajdd& ijegs `Suodold ag1 3o aj11s
10 uoptslnboe all 01 loud `napuaj `Apnadold alit HOS no aninbou jjegs napua'i `iZ gdEnfened lapun `3l `Japual Aq Nag spung
Aue Jawing 01 punpai Apdtuoid jjegs lapua-I `luatunnlsui Allmon sup Aq painoas stuns jje 30 11n3 ul tuatuhd uodn
•uollaloslp Ojos s,lapua-j le `sluaut /Ed Appuotu anjaml Ueg1 snout 0U ui Aouatotjap
ag1 dn 0311101 Hells 1amo11og •AoualoJap aq1 dn oval 01 Alussaoau punoun 0111 napuari 01 AM (jugs namonnog aseo lions
ul `pue `5ultllm ut 1amo11og Ajpou os hut napuai `anp uagm stoats molosg aq1 AEd 01 pualol33ns you so aunt Aue pe lapuag
Aq Nag spung 0111 jo mottle amji 'Me! alquoijdde jo sluatu01mba1 alp gptm aouepl000e ul spung ssaoxa alp 1o3 namonnog
op tun000u jjegs lapua-j `met ajgeoljdde Aq matt aq o1 pallnulad slunom aq1 paaoxa Japua7 Aq pjag spung aq1 3I
•luatunulsul Animas sup Aq paznoas
sums IIe 1o3 Animas jeuotuppe se papajd anE spung aqj •apum sum spung alp 01 ugap goes gougm 10J asodlnd alp pue
spung all 01 sugap pue sup= Sulmogs `spung aql 30 ullun000e mum Ue `a2Jego lnogplm `1amo11og 01 ant2 (jags Japua•
•spung aq1 uo pled aq jjegs ma'am! legs `lanamoq Tufum ut aa1$e Agtu lopua'I pue namo.unog •spung aql uo s$utuma 10
tsalapul Aui 1amo11og 1 d 01 palinbal aq sou pegs lapual `pled aq 01 malaput saulnbai met ajgeoljdde 10 apeut sl luaumai2e
ue ssaiun •aslmlattpo sapunoid mej ajgeoljdde ssajun 'uuoj sup gltm uoltoauuoo u! lapua-I Aq pasn aolnlas 2upxodat xet ate1sa
jean 1uapuadapul ue nog 021E110 atoll -aU0 E Ae 01 1amo11og anlnban but 1 I UO' l `tanamoH amp g gons a?jeul 01 WW1
suuuad met ajgeoljdde pue spung alt uo 1s01alul 10M0110g sAed lapuo'j ssajun 'stuall molosg aqp 2u!(3llan 10 `lun000e
monosa all 2UUZAjeue Ailenuue 'spung 0111 dutAtdde pue Sutpjoq nog Jawing amp 1ou Agu1 lapuai °stoat( mama alp
AM o1 spung all Ajdde i1egs lapua' •3jueg ueoi aulojl jenapag Aug 111 10 (uounlpsul 1111 gons sl napual 3l `lapua Wulpntoul)
Alllua no `AUjepuatuntpsut 'binge je1ap03 a Aq painsuu ate sllsodap asogm uounulsul UE ul Nag aq Hugs spung aqd,
'met ajgeoljdde mph aoueploo0E ut asumlalto 10 small molosg a.unittj 30 sannllpuadxa 3o sat11u113sa ajquuos11at
pue elep 111annno jo slseq ag1 uo anp spung 30 1unoUt1 aq1 aletuulsa Attu Japuoi •1uno1111 Jassal all paaoxa 01 1ou 1unoUIe
ue uu spung p1o11 pue 1oa1100 `atutt Aue le 'Am lapuarl 'os 3l •1unotne lassal 11 slas spung alp 01 saljdde tell met lagpoue
ssajun `(,.ddSg2I..) •bas 1a IOW •O'S•f1 ZI `011111 0l 011111 tuo13 papuatu1 se bL6I JO PV sampaoold 1uatuajllaS atutsg
mall imam aq1 lapun lun000e MOlOSO s,namonnog 103 gimbal Aeuu ueoj 08e831out pa1111a1 Ajjelapa3 E 103 lapuaj E 10110111
ulnutlxutu aq1 Nona of sou tunoute 1111 ut spung P1oq pue 1aojjno 'atlllt Aue le 'Am lapaa'I „•swa11 Monosg„ pajjeo 0111 SUM!
OsOgs •sulnituaid aoUElnsut 0811811otu 30 luauthd all Jo nap ut `8 gdel8e1Ed jo suolslnold ag1 lltm aouep10oo11 ui `lapuarj
01 JOMO 1011 Aq ajgeAEd stuns Aue (j) pue `Aue J! `sulnituaid aouelnsui 08118110111 A1i110 (a) `.Aug jt 'sun aoue1nsut
poo13 ApeaA (p) `.stunttuaid aouelnsul A11adoid 10 p1EZeq AIIEOA (o) `Aug 3I `A11adold aqp 110 511101 punoJS 10 stu0UtAud
plogaseat Alma( (q) °A11ado1d alp uo ualj a se luaumllsuj Apunoas sup tan) Aulolld turtle hut 140lgm sluatussasse pue sax11p
Aj1110A (e) :1o3 „spung ums E 'HT ul pled sl a1oN alp (shin `aloN all lapun anp ale sluaulAed Algtuou1 hp am uo tapua-j
of A11d jiels 1amo11og `topua'l Aq 1antem ualptlm E 01 10 mej ajgeoljdde 01 rafting •aouIansuI put saxt,L ao3 spung •Z
•a1oN al1 lapun anp sa8lelo awl pue puatuhdald Aue pug aloN alp Aq paouappto Nap alp uo Isamu! pue 3o jedloulld
0141 anp uagm A11d Apdtuold IIEgs 10M0110 •salatq) a;Erl put luaWAEdaad 'isaaalul puE jtdloulJd 30 luaUTAtd •I
:SM0ljo3 S11 0018E pue lueuanoo lapua' pug 10M0110
•Atiadold mat 8Ullanoo luautnllsul Altmo0S utlojtun a atnitlsuoo 01 uopotpsun f Aq suotleulen P031Wg
glom slueuanoo utloJiun -UOU p1e asn jeuot =U nog spueuanOO U003tUn saulquIoo LN 1F' f12ILSNi AIM IOUS SIHJ.
•)1030130 saouentumau0
1(U11 01 loafgns `spu11uIap pue su1o1110 jiu 1su111811 A11ado1d am 01 x1111 alit Ajjelaua8 puajap Illm pue s10E1111m 1amo110g
'pima/ 3o sa3uelgtunaua 1o3 ldaoxo `palaqumouaun st A11ado1d alt 111141 puE Auadold ag1 Aanuoo pue 111111$ '080110tu
01 11811 alp sett pue pa/co/woo Agataq ammo alp 3o pastas )(poet s! 1amo11og trip SINVNHAO3 iaM01I2iog
„•Alladold„ all Se tuautrumuj Animas sup ut of p0110j01 sl 8uto8alo3 alp 3o 'Ty •1uauIn11sul
Allmoas sole Aq palano3 aq 0S111 netts suojupp11 pug spuatuaoutdat fly •Alladold all 3o 11ed 11 101jua1a11 10 moo samlxo3 pue
`saotleualmdde `5311at1105e0 jje puE `410do1d 011l 110 moan 1a13ea1a11 10 moo sluatuanoldtut all jle HIIM .1 1H 29O L
6Z9
L Jo Z aSsd
g 'S.LNVN1AOO Y'RIO1INfl
08C 3:x41 630
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/Freddle Mac UNIFORM INSTRUMENT
FNMA3051
Page 3 of 7
Initials:�.f/'f�
L Joband
TiO£V1VN3
t '�:sIBwu1 1N3WR111,SNI W11O3IN(1 ae1V alppaJ3 /ae1V aluue3 SI !WM alBU!S 01411NOAM
•luasuoo s,Jamofog
1gg1 lnotwm aloN am 10 luaunulsul iiumoas sup 3o suual 0111 of piaaa glim suopspoUIu1o00g Aug 031E11 JO agagio3
`A31Pom 'puma of aaag ICgut iamozzog iaglo Aug pug Japua j Imp saaag (o) pug `lualutuisul ,ilunoas sup Aq pamoas sums
am ,igd of pai qqo Allguosaad 1ou s! (q) :luaulnaisul /tuition sup 3o swim alp iapun iCuadoad am ui 1sa'alui s,JOMOJJog
rem ifanuo3 pug lugs `a2g5uoul of 'cum luaumulsul Alimoas sup Vuivats -oo sI (g) :alou aqi alnoaxa 1ou saop lnq luatutuisul
'S1Tmoas sup sinus -oo oqm .tamouog Aud 710A0s pug luiof aq Imgs sluaulaaag pug siuguanoo s,zamonog •LI gdgz$g.red
3o suoisinozd alp 01 mafgns `aamoaaog pug iapua-I 3o su2Issu pug siossaoons 0111 lgauaq pug putq IIgis luaurnilsul Altmoas
,sup 3o Sluatuaalgs pug sluguanoo aqj •saau2ls -oa !Allllggn alggaanaS pus wiop :punog suglssy pug siossaaanS 'Z1
,Cpaulax JO 11441 ,CU JO OSTaTOx0 0111 apnloaad Jo 3o aanrem g aq 1011
Ilu11s Apaui i 10 10p Aug 2upplaxa uI 1apual Act aourmagao3 Auy •1sacalut ut siossaoons s,1amozzog J0 aamouog Igutguo
agi aputu puguuap Aug 3o uosgaa luaumtlsul iC1pnoas sup (q pamoas stuns am 3o uoilgzWOulg iijipoul aSpAlag10
.10 luatu,Cud Jo3 quill puma 01 asnjaa Jo isaialui ut siossaoons Aug lsulOr s2ulpaaoozd aouaunuoo of pa.unbaa aq mu hugs
1apuai •isazalui ut siossaoons s,.tamonog JO .I0MOJJOH Iuul$IJO 0111 Jo Aliligs!! ag1 amp.' 01 amado lou gam aamoaaog 3o
macaw! uI Jossaoons Aug 01 Japu 1 Aq palugA luauln.psul iC1l.moas sup ,iq pamoas sums a141 3o uopgzglotug 3o u
JO lu01.11hd 10 auuii am 3o uoisualxg •aanlgM g 3O aapuaJ Sg aougagagaod :pasuala21 10N aakt01.1og 'Ii
•sluaulAgd wits 3o lunoure am auggo JO Z pug I sgdgagaud ui of pauajai sluautAud Algiuotu am 3o amp anp aqi auodlsod
JO puma mu Timm Igdtouud of spaaooad 3o uopgotlddg Aug 'ullum ui aaas aslmtagio JOMOIJOH pug aapua'l ssalun
•anp uagl l0u 10 10111014M `luaumtlsul 1iliano0s sup Aq pins stuns
alp 01 z0 ii1.10d0.1d agl 3o zigdai a0 uopuJolsaa o1 /aqua `uolldo 81! m `spaaoozd am ,iiddg pug maim 01 pazpoging sI zapuarl
`110!2 si aopou am amp am nip Shipp p£ tnqum Japuarl of puodsai o1 mg JOMOLIog `sa2su mp ao3 wpm g aims zo plums cm
a)Igu1 01 S1a330 Jouuzapuo3 0111 114141 zamollog 01 aapual Aq aotiou nip `3i ao `JOMOIJOH ,iq pauopuggg st Auadoad 0 w
anp uatp 0114
sums am mu 10 Jaglagm luatunalsul Aiimoas sup Aq pamoas sums am of pagdds aq imp spaaooid 0111 `sapino1d astm.Iatpo
mgi alggoiidde swum .Jo &utltam ui 0012g asimaatpo aapua-I pug zamoaa0 ssalun `21.1plg2 all aaopaq IilalgipaUU1I pain=
sums am 3o mows alp Imp ssal st 5uDIg1 0111 aiojaq Alalgipaumtut iilaadoad agi 3o awn 1a3putu alga 0141 golgm ui Alzadozd
aq1 3o aui)1 igiisgd g 3o luana am ul Jamo log o1 pigd aq Ilggs aougm11 Cud luplul am aaojaq klaigmpatutui ,(1.tadoad
01413o anlgn 1aaJauut zig3 aqi (q) papptip `3Ui 1 am aaojaq Iil0lgtpatutui pamoas stuns a'113o lunoure 11201 am (g) :uoilouJJ
uimollo3 am Aq paildpinul spaaooid am 3o lunoum am Aq paonpa1 aq Mugs luawaus I 'il sup Aq pamoas sums am
`2uppm ui aai5g asinuaglo .tapuo'j pug .JamoIog ssalun `Buppi am azojaq Alalgipaunui luaumaisul I1imoas sup Aq pamoas
sums alp 3o lunotug 0113 ugji aalgaa so 01 Tuba sI Suplgl am aioJaq ,Clalutpaututl iilzadotd ag13o awn my= alga aqi g0t14m
ut ,iizadold am 3o WUpfg1 J 11JRd g 30 luana 0141 ul •lamozlog 01 pied SSoox0 Aug TIM `anp 110th 1011 a0 za14lajm `luatunaisul
iiipnoas sup Aq pamoas sums a141 •1 patlddg aq Imps spaaoozd 0141 `Altad0.td alp 3o 2U1) 1 Igloi g 3o lima 0141 ui
1apu0Z o1 pn d aq hugs pug
pauaissg Agazaq aag 'uopuuutapu00 3o nail uI a0ugAanuo3 ao3 zo `Jfuado.1d am 3o lnd 1(1112 &plgl imp 10 uopgtnuapuoO
Attu tium uoi1001zuoo u! `lgtivanbasuoo JO 100aip `sagump 103 11111410 JO premg nitre 3o spaaooid agj, •uollgumapuop •01
•uoiloadsut 0141 103 asnu0 algguosuaa 3uijC3ioads uouoadsui cm 01.toud JO 30 gum 0141 114 00I10u lOmouog
an!W hugs iapuol •Xlaadord am 3o suoiloadsui pug uodn sawn algguosgaa a2Igt11 Amu lua2g s1i so 1apuarl •uo110adsul '6
•m1I alquoilddg so 10p1101 pug JOMOJJOg
uaamlaq 1u0ffl00ag uallum Aug glim aouupz000g ui spua a3uumsui a2g2Uou1 303 luatuannba.r 0111 !pun `anzasal ssOJ g aptnold
of �o `100330 ui 00Ug1nsut a uguoul 11114111!14! 01 pannbal sulnnuald 0141112d !Imp 10A 011og •pauiglgo si pug alggllung saulooaq
wag 1apua-I Aq panolddg zamsui ug Aq papin0ad (saimbat aapua'l Imp popad 0141103 pug limo= 0111 uI) a g.1anoo 0ouginsui
agg2uouu 3I `.1apuarl 3o uolldo aqi 114 'pannbaa aq Ja uol ou but sluaucked anzasaz sso-1 •aougznsut 0 12 11ow 3o nail
ut aAIasat ssol g sg sivatuXgd amp uigla1 pug asn `1da00g !pm zapua'l •100330 ui aq 01 pasua0 a0 pasdgl 0 1210A00 00111JIISTI1
alp uagm 10M0110g Aq ptgd &uiaq ulnnuaid 00ugansui aRS11ou1 Alma( 01413o 1413iaml quo 01 Ignba tuns g 14luotu 140120 aapua'I
01 1ud hugs aamota0g `alquligng 1011 Si agaan00 a0ug.Insul 05115100111 lualgnlnba 1llgnuglsgns 3I •zapuarl ,iq panozddg aamsui
a2alu m ominous us 111003 '10a33a ut 1Clsnoinald gouging!! &auow am 3o 10M011011 o1 moo am 01 lualgninba 1lluilugisgns
1503 g lg `100330 II! 1lsnotnald =music! a$R210ouI 0141 01 lualgninba 1(Il1uugisgns 0 121ano0 113141140 01 pannbaa stun
0141 Cud hugs Iamozmg `100330 ui aq 01 sasga0 10 sasdgl iapua'I 1q paiinba0 0 1210noo 001111.1511! 0212110W alp `uosgal
Atm i `3I '1 u! 00trelnsut agg10ou1 0141 utglu!W 01 paiinbal stuniutaid 0141 1gd hugs 1amo000g luacun.Iisul 11!1n0as
sup 1(q pamoas Imo! 0111 5uplum 3o uoilipuoo g sg aoug1nsul aSg 21.10U1 palmba0 lapua-1 3I •aougansuI a2g21aoyv •g
'lu0cuAud $utlsanbai
.101011014 o1 aapua-1 11ou3 aotlo11 uodn `18010111! 1413 `alqu1gd aq Imps pure a1111 a1oN am le ivautasangsip 3o amp am
111013 macaw! maq Hugs s1un0IIig 080141 `luaul1ud 3o sum! 101410 01 aadg 0apua' pug ]amOIaog ssalun •luatutulsul 11unoas
sup Sq pamoas Iamonog 3o igap I11uopippg aulooaq !114145 L gdg12g1gd sup 0apun Japuai Aq pas1ngstp 811111011114 1uy
T C9 Z f_39NO
Ob68541
6 32
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.
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.
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
FNMA30S1
Page 5 of 7
Initials:
zap!g auI0H puooaS
zaptu luatuiCmd IipjaamIg
zapiN 1uauldojanaQ 111111 Pa Id
C'C9
a IE[1[uI
2MIIlI EQISV -SSS YS2IV SSOO HJIH [jj (s)zag10
L Jo 9 aged
zaplg 1uaulanozdulj a4mg
zaplu luaul1Ced palenpua0
Japlu umlutulopuoJ
ISO£VIVN3
1N3I%I1U1SNI 10103INR 3 e1H aaPP IJaeIS a!uue16ilturn oilu!S ONI WORM
zaptu uoollmg
zaP! I AI!we3 j7 i
zaprg aleg ajqulsnCpv
X
[(sa)xoq ajgeogdde ajoagD] •luaumzlsuj
41unoaS sup jo lzed g 0z0M (s)zapu aql j! se luawtu sul ii1!znoas sup jo s2uauzaazge pug slueuanoo alp luauzajddns
pue puauze imp pug olui palezodzo3u1 aq !Tells zapu Bans gaea jo sluaulaaa11 pue slueuanoo a134 luaulnalsul i(11znoaS
sup glint za134a2o1 papzooai pug zaMozzog ,iq pa4noaxa aze szapu azow zo 3UO jI •;uawna;sui ,C;!anaas s1q; o; saaplu •bZ
•X4zadozd aI;1 u! aamop pug
I(aslzna jo slg$u jig sagsmbu1Taz pue Iivadozd ail uI uotlduzaxa pealsawoq jo s10'1z jje swum zaMozzog •saanl1M £Z
•slso3 uonepzooaz ,iue iced Timis zaMozzog zaMozzog 01 amp lnogmTM luaunulsul
,iljznoas spy map.' !Fits aapua-j luauznalsul Allmon spy Aq paznoas sums jig jo luatuited uodn •asealau 'ZZ
0; paj;tmua Silu2al suosaad
ao uosaad aq; o; ssaaxa ,Cue (a) pue ;uawna ;sui ,f ;ian3as slq; ,Cq paanaas scans Tie o; (q) :saaj ,sicauaol ;e ajgeuoseaa '0;
pa;lwll ;our ;nq lulpnpu! 'ales aq; jo sasuadxa Ile o; (e) :aapao 2uptopoj aq; u! palldde aq pegs aies aq; 3o spaaaoad
au, 'a MS Sue p1 Spadoad aq; asegaand ,few aaualsap s;! JO aapua-I •Mei ajgealidde Cq paglaosaad aauuew aq; u! Nos
aq Hulls ,fpadoad ag; pue 'ales jo aai;ou aq; gsijgnd iiugs aapuaZ tii gdeaauaed u! papinoad aauuew aq; u! Jamolaog
o; ajes aq; 3o aapou a A!2 !legs aapuaZ •Mel ajgeaudde q ;IM aauepaoaae ui ';uaaa33!p j! 'S;aadoad aq; jo uoissassod ul
uosaad aq; 0; pun aaMOaaog 0; asolaaao3 0; maul! Jo aa!;ou an!S Begs aapuaZ 'ales jo aan+od aq; saxonu! aapuaZ 3I
•43uapina alai; 3o s;s03 pun saa3 ,s.fauao ;e aigeuoseaa '0; pa;lullt lour ;nq '2ulpnj3u!
gdeaaeaed s!q; u! papinoad salpawaa ag; &ulnsand u! paaanau! sasuadxa jje ;3ajjo3 0; pal ;l;ua aq Ijegs aapuaZ
'Met alquandde ,fq pa;;lwaad salpawaa aaq ;o Sue pug ales jo aatod aq; axonu! few pue puewap aaq;an3 ;nog ;1M
;uawna ;sui S ;!anaas s!q; ,fq pumas sums ile 3o jin3 u! ;uatuSed aluipaww! aalnbaa ,few uo! ;do s;! ;e aapuaZ '33t ;0U
aq; u! pa!3pads a;ep aq; aaopaq .10 uo paana ;our s! ;Ine3ap aq; 31 •ajes pue uol;eaa1aaae o; aa,l%oaaog 3o asuajap aag ;o Slue
ao ;Ine3ap a 3o aaua ;slxa -uou am passe 0; uo!;ae Jima 0; ;Op aq; pug uoleaajaaae as ;3e a ;e;sulaa o; ;gala aq;
jo aaMoaaog waoju! aagn3 hags a3l;ou aqy •,fyladoad ag; jo ales pue ;uawna ;suI ,f;lanaas s1g; sq pumas scans aq;
3o u0l ;eaaia33e 111 ;Insaa few aa!;ou aq; u! pa!3!aads amp am aaopaq ao uo ;Ine3ap aq; azna o; aanl1e3 ;egl (p) !mu 'paana
aq ;snw Unejap a I3 ga! 1M Bq 'aaMoaaog o1 uanl2 s! aal;ou aq; amp 3133 woij s,fep of ueq; ssal ;our 'a;ep a (a) :;jnejap
aq; aana 0; paalnbaa uol ;3e 3131 (q) ;Ine3ap aq; (e) :.AJpads !legs a3l;ou aqy •(as!Maaq ;o sapinoad Mei alqua udde ssalun
Li gdeaaeaed aapun uol;eaala33e 0; aolad ;ou 3nq) ;uawna;sui £3lan3as s!q; u! ;uawaaa3e ao ;Ueuan03 due jo gauaaq
s,aan+oaaog 2ulMOpoj (101 ;eaaia33e 0; aolad aaMOaaog o; a3l;ou ani2 Hugs aapuaZ •salpawau :uo!;eaa!aaay '1Z
:SMOjjoj se 33I R pug lueuanoo zag1znj zapua1 pug 13M0110
H •SINVNHAOO LA11IOdINf1
•uo!loalozd j114uauzuoz!nua .10 /Claims 'glleag o1 ale!az 1ug1 pa1113oj
s! i(lzadozd 3131 aza1M uotlotpsunf 3131 jo sMg! pug 5Mej jezapaj sum! „MmZ jgluauiuozlnug„ `OZ gdeBgzgd s1g1 u! pasn
sv •sj11ualem anu3mo!pgz pug `ap(13apieulzoj JO solsagse Sulu!gluoa sjuvalmul 'maws aju11TOn 'sap101gzag pug sap!o!lsad
31X01 `slanpozd umajoz4ad olxo4 JO ajg111111ug13 za1340 'mason)! `augose2 :saouelsgns 2u!MoJToj ail purr mg-1 I111uau1uozlnug
Ai mumps snopzgz1113 z0 3!x04 se pau!jap sa3ueisgns aso131 aze „s0311u1Sg11S snopzez1H„ `OZ gdez211zud sup u! pasn sv
•Mm-1 Imluauluoz!nug g1!M 0311gpz033u u! Su014311 311Ipatuaz &I11ssa0au 1111 awiel Ailduzold jj11gs
zaMozzog 'Amman s! A4zadozd a131 u!loajj11 aou11lsgns snopz11zul-I Ifu11 jo uot111lpauzaz 191310 JO j11nouzaz &iuu 111131 /(11zogln11
kiolejnWaz z0 I11luauzuzana Niue Aq paijilou s! ao 'sum! zaMozzog jI •apa1Moual !ewe seq zaMozzog goi13M jo M117
IeIuauluOZlnug JO aou11lsgns snopzez11H ,Cue pu11 Xlzadoad a131 &u!AIonu! ,t1z11d 0l11nud JO iCouaS1 k ol11jn2az JO je1uaulu19A0
Sue Aq uo!4oe 191310 JO nnsM11l `pueuzap `ul!11l3 `uo!1a!lsanu! Au11 jo a0!1ou ua11uM zapua'j 0A32 iijlduzozd hugs zaMozzog
TI 'S9!3O
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.
OS4i8541 634
Witnesses:
cL cividt4
STATE OF \f
SS:
COUNTY OF -T_tAr\ 22 e�-13C
The foregoing instrument was acknowledged before me, a Notary Public, on Q 2L
Date
by:
QA-Ntd LLAI) LAW
Person(s) Acknowledging
In WITNESS WHEREOF, I have hereunto set my hand and official seal.
My Commission expires: c 2-1 2
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
FNMA3051
(Seal)
Borrower
(Seal)
Borrower
L 9. LOAdI
Page 7 of 7
CHARLES D LITTELL
-j, ra
LINDA S LITTELL
(Seal)
Borrower
(Seal)
Borrower
'a86 quid uo
uMogs su 'Taaaud pagTaosep anoge aqj jo auTT 1seg 8uoTu 'saT3TTT1fl puB ssaz8g
'ssaJJul aoj �ieM- jo -142Tg apTM 1 -09 aq1 JO UOT1aod 1 -0£ v :OZ Imams
se 'saTITIT pus ssaJgg 'ssaa$uI J0J Lem- j°-1 app 1 -09 H :IILIM SHOOS.
'g86 IWTd uo uuogs
guTuuTgag Jo
IuTod aq1 01 '1aa3 69'£8+1 `TMNIMS pTBs 3o auTT glnos TaTTuaud 'M„9S16
aouagi :qas adTd uoal ue 01 laaJ 00'05 a„ST15i708TS pue punoj adTd uoal UP 01 jaaj
6L'161 L„9T,Z500ZS :2uTmo Toj aqp 'auJZ .zaaua0 pies 2uoTe 'ATaagseaginos aouagi
4 186 laTd uo uLogs se Aum- jo- 114211i epTM 300.' -09 aga Jo auTZ aaiuso aqa uT luTod B qe
las adTd uoal uu 01 1aaJ +10'£0+7 a„90100oT8N aouaga foss adTd UOal Ue 03 1aaJ OT'Z9T
'auTT 1saf pTus Vuo1e 2uTnuT1uoo 1 SZoON aouagi (OTS -6S t7/ T) YOM MS pies .1
aauaoo 3saMglnos aq1 aoJ uoT l93oT 6861 SuT?I 'A saTae4O ag1 8Uppew punoj 1uaumuoW
adds .w.rr g aq1 woaj auTT 1sa813Tes guoT8 'S„t1£ISZoON 1aaJ TZ'86Z BuTaq luTod
pTes 'MLAMS pTaa go auTT
:sMoTToj se pagTaosap ATa9Tn3T1aed aaow guTaq guTwoX 'Aiuno3 uToouT7 '•W d
419 all Jo 'METH 'N££Z 'OT u0TloaS Jo INtMS 341 uT pale0oT 'Z50 a2Bd uo 'gd SSi7
Noog uT papaooaa 9£9598 'oN luaumaIsul uT 01 paaaajaa d1aadoad ag1 jo uoTlaod y
C9
1saM aq1 uT luTod e 1e 196 adTd uoal UP 1e ONIMNIDI
T t 0
WYOMING COMMUNITY DEVELOPMENT
HIGH COST AREA SET -ASIDE RIDER
As long as this mortgage is held by Wyoming Community Development
Authority, Casper, Wyoming, the Mortgage Lender may declare all sums secured by this
mortgage to be immediately due and payable if:
(a) all or part of the property is sold or otherwise transferred (other than by
devise, descent or operation of law) by Borrower to a purchaser or other
transferee:
MPP -208
(i) who cannot reasonably be expected to occupy the property as a
principal residence within a reasonable time after the sale or
transfer; or
(ii) 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; or
(iii) at an acquisition cost which is in excess of that established by the
Wyoming Community Development Authority under its applicable
regulations or program guidelines in effect on the date of the sale;
or
(iv) who has an income in excess of that established by the Wyoming
Community Development Authority under its applicable
regulations or program guidelines in effect on the date of the sale;
or;
(b) Borrower fails to occupy the property described in the mortgage without
Mortgage Lender's prior written consent; or
(c) Borrower omits or misrepresents a material fact in an application for this
mortgage.
NOTICE TO MORTGAGOR: This document substantially modifies the terms
of this Loan. Do not sign it unless you have read and understand it.
I hereby consent to the modifications of the terms of the Mortgage and Note
which are contained in the Rider.
Dated this 22 day of September ly 2000
(LA/ X r
Signature Charles D. Littell g ature Lin a S. Littell
Charles D. Littell
Linda S. Littell
Printed Printed
63G