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HomeMy WebLinkAbout86792211 1 11 86 /Z pepuawy 06/6 LSOZ MAO 777 1 II ur sgq pug Si JoBuffuoul au lIII slei ;)ui °V 5 ZttOOOI NIIni UDVDINON 0cu °r1V0 03/\{3334 OOOZ `8Z lsn6ny loe6 /zo/AN L0(g0 1AM)N9 0 L6ZL-1Zg(008) SIA11104 30V0INOW dV A g ;o 1 a6ed S1:13IN HIIM IN3INI1H1SNI WHOdINfl OWIHH /VWN1 eI sr, Aiaios) SrIHiiI of Aanuoo pug Jura `a2r3lioUi &gaaag saop Jamorzog `asodJnd sup Joni alON Pip pug luaumrlsui Allmon sup Japun sluamaaag pug siuguanoo s,JamoJJOg jo aouguuojiad alp (o) pug `°luaunulsui ,SiunoaS sup jo Sliinoas agi loauud of L ldgiSgi d Joplin paournpr Isa1alui giim `sums Jalio iig 3o IuaulArd am (q) `.aloM aql jo suoprogtpout pug sUoisuaixa `s]gmauaJ iii pug Isamu! glim `aloN am paouapina Igap am jo luauarclai ali (g) :Japua T of sainoas luaumJisui Allmon siga, 0£OZ 'I .aagweldes uo aiquArd pug anp 'Jaiizga pied lou 3T 'igap IIn3 all giim `sivauu(gd iippuoui Joj sapinoJd goigm „aloN malun. lsui IilunoaS sup sr airp alms am palgp aloe s,JamoJJOf paouapina sT Igap siga, 00"05£`05 'S•Il) siguoa 00T /ou pue R4f3 pa,apunH aaayj puesnogj R4J4d jo ums igdTODUd aqi Japuaq samo Jamouog L01ti8 in `AlI3 3)11V1 11VS `00£# 1SV3 OOL H1flOS 91st o ssaippg ue 6 L y o L 4o ale 1 s atl jp SMlq a I3 Japun Suilsixa pug paziuiSJo si „Japua-T„) Ruedwo0 a6e61.aoW lueN PLO 10 uo fsinia `39V91NOW OIl8ld3N °SUIMAI (888) Iai `9ZOZ III 'Mid `9Z0Z xog •O'd jo Jaqumu auogdaial pug ssaippr ug sum pug `airmriari jo smri am Japun 2uilsixa pug paziugaJo si 'Lnuojauaq sg `(suSTssr pug szossaoons s,Japuari pug `paugap 104gutaJaq s1 `Japuaj Jo3 aauiulou su Slaios) `(,g j j ia) 'oui `sumisgS uoilgulsiBaj 0111040aig affggliOJ oI uan12 si ivaumiisui '(44JamoxJog,,) [ma 8u paoaau aog amp slgy aeogy ands] R z aDVd NOM Z7,6t.90 NVW 03I IIJVWNfl NV 4 SIM31 '0 13VHOIW uo uanTB si („luaumJlsui Ai 3JVJ,L1I0IAI SIH,L LZZ£Lti #N1 LZZ£LtidCM31£IW #dV 7-77 333V318611 19"77//1099 33S 91501. s!‘11, i 1 40 asvils LOT i78 HVLfl `XLIO IIVS 00£# `LSVZ OOL HILIOS 9TC d0VOZHON OI'Igldaa OZ ZIVld ONI01100H8 11 V 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 L I NCOLN County, Wyoming: THE LOTS NUMBERED NINE (9) AND TEN (10) OF THE BLOCK NUMBERED THREE (3) OF THE FAIRVIEW ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTY WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. which has the address of 1305 1ST WEST AVENUE KEMMERER 6N(WY) (9802).01 [city], Wyoming 83101 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 or canceling this Security Instrument. 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. Section 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. 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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 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 m4i1 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. et)-6N(WY) (9802).01 Page 4 of 8 Initials: Form 3051 9/90 06/6 150E WiO :speiuul 9 ;o9QBed Io•(zo96) (AMIN9 o; ate a 3o a3i;ou amp, Heys Japuari •mei algea1dde q ;im aauupaoaau ui ';uaaa33lp 3t° 'S;,iadoad aq; jo uoissassod ul uosaad aq; o; pug aamoaaog o; asopaao3 o; ;ua ;ul jo aal ;ou aeia Hugs aapua' 'ales jo aamod aq; salonul aapua-i 3i •aauapiea am; Jo s ;son pug saa3 ,sSauao ;g aigeuosgaa '0; mug! ;ou ;nq ';tuipnpui iz gduiguJed slip ui papieoad saipawaa aq; 3uinsand ul paaanaui sasuadxa Ito papa o; pai ;l ;ua aq Hugs aapun .met aiggaHddu Sq pa ;iuu d swami aag ;o ,fee pug aim 3o aamod aq; anonui ,fgw pug puewap aagpn3 ;noq ;im ;uawna ;sui S ;ianaaS slq; Sq pampas suns Hu 3o Hn3 ui ;uawSud a ;elpawwl a°nnbaa Sulu 'uoi ;do s ;i ;e 'aapua-i 'aai ;ou aq; ui pai3iads amp aq; aaopaq JO uo paana ;ou sl ;inu3ap aq; 3i •aius pug uol ;gaataaae o; aam0110g 3o asuapap Jag ;o Suu ao ;inu3ap g jo aaua ;srxa -uou aq; passe o; uoi;au ;anon t Built; o; ;gala aq; pug uol ;eaalaaau aa;3u a;g ;sulaa o; ;tiNp aq; jo aamoaaog waojui aagpn3 Hugs aal;ou aqy °Siaadoad aq; jo alas pug ;uawna ;suI S ;lamas Sig; Sq paanaas suns aq; jo uopeaataaau u! ;Insaa iglu as foe aq; ul pagpads app aq; aaojaq JO uo ;Rupp aq; amp o; aanile3 ;eq; (p) pug :paw aq ;snw ;Ingjap aq; galgm Ai 'aamoaaog o; uani3 si aopou aq; a ;ep aq; woa3 &Cup o£ uuq; ssal ;ou 'am u (a) ;inu3ap aq; amp o; paainbaa uopae aq; (q) ;inu3ap aq; (u) :S31ads Hugs aa! ;ou aqy •(aspuaq ;o sapinoad mui atg1OHdde ssalun Li gdea ulud aapun uoi ;uaalaaau o; aoiad ;ou ;nq) ;uawna ;suI S ;ianaaS siq; u! ;uawaaaau JO ;uuuanoa Suu 3o Imam! yamoaaog ;Immojo3 uoi ;naataaau o; aoiad aamoaaog o; aai ;ou a4l3 Hugs aapua-i •salpawag fuoi;gaataaaV °Iz :smolpo3 se oath pun luuuanoo Jaglzn3 Japuael pun Jamouog •SINVNAROO N' IOdINf1 NON •uopoalozd MUMUUOJtnua Jo SlaJes 'glivag o1 alnpz lull palmoo' si Suado,rd alp azagM uopoipsunf aril jo stump pun smni iuzapa3 suraw „M1'i iuluaumortnug„ `oz gdki3uJUd sup ut pasn sd °sintzaltnu anporrorprrz pun `apSgapinuuo3 Jo solsagsu 3ututrrluoo sprrua;rru 'maws apprrpon `saptotgzaq pun saptOpsad 01x01 `s ;onpoid umaiozlad orxol JO apg1Untrei; zatplo `auasozaA 'autposu3 :saounlsgns agl pun Mu7 iuluaumoatnug Sq saounlsgns snop1nzug Jo oixol su pauyap saounlsgns asoip azn saounlsgns snop1rrz1H„ `oz gddi3iJed sup ut pasn st °Am inluatuuortnug 1ptM aouupz000n ut suoilon iutpauaz Srnssaoau TIE alux Spdwozd Iings zamoJJOg `SJnssaoau st S;Jado1d ag1 3upoa ;3n aourrlsgns snopznz1H Aug 3o uopuipamaz Jaglo Jo innOWaJ Sue ;ug1 `Sluoglnu SJOlmpn3aI Jo Iuluatuuzano3 SUE Act pai31lou st JO `suzmap zaM01JOH 3I °a3papmOuap mar seg zam0uog gotgm 30 MW1 pn1uatuuOJtnug JO aounlsgns snoplez1H Sun pun SlzadoJd agl Putnionut S1Jmd alnnud JO S0Ua3n Szolupn3aJ JO Iuluawuzano3 SUE Sq 1opou Jag;o Jo 'mutual 'puma') `uttepo `uopuBpsanut Cu n jo aopou uall1JM Japua anti Spdwozd plugs Jamouog °SizadoJd atp 3o aouuualutnuz o1 pun sasn 'mums= inuuou o1 aluudozddn aq o; paztuSooaz SipuJoua3 a1rr ;rrtp saounlsgns Snopzuz1H jo sajlpurrnb ppuws jo Slzad0Jd am uo a31J03s JO `asn `aouasazd agl o1 Sickly lou MS saoualuas 0Ml 3utpaoazd atli, Mn'1 pnluauuozrnug Sur. 3O uopmporn 111 s! 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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. 24. 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)] Adjustable Rate Rider Graduated Payment Rider Balloon Rider VA Rider STATE OF WYOMING, 4- 4.44-40-w. rr: t uott,i WANDA N, NE MAN NOTAP; ''(JBLIC COUNTY GF STATE OF LINCOLN WYOMING My C kiid1i4miEites ,.y. 0 4.4.-.111.4.4.41,0 6N(WY) (9802).01 Condominium Rider Planned Unit Development Rider Rate Improvement Rider Other(s) [specify] Page 6 of 6 MICHAEL D. LEWIS Notary Public 243 1 -4 Family Rider Biweekly Payment Rider Second Home Rider 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: (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower County ss: The foregoing instrument was acknowledged before me this 2 8th day of A u gu s t, 2 0 0 0 by MICHAEL D. LEWIS (Seal) Borrower (Seal) Borrower Form 3051 9/90