HomeMy WebLinkAbout868314"Borrower This Security Instrument is given to
363314
BOOK 451 PR PAGE Pu
[Space Above This Line For Recording Data]
MORTGAGE
THIS MORTGAGE "Security Instrument") is given on September 8, 2000
DENNIS J HEALEY and LYNDA M HEALEY
GE Capital Mortgage Services, Inc.
i1)
RECEIVED
00 SEP t
t r/ IL.C1r;l), 1 t lu LING
LN 0071230197
r
The mortgagor is
PART OF SECTION 10, T35N R119W OF THE 6TH P.M., LINCOLN COUNTY, WYOMING, BEING
MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT TEN RODS NORTH OF
THE EAST QUARTER CORNER OF SAID SECTION 10 AND RUNNING THENCE WEST 14 RODS;
THENCE NORTH FIVE RODS; THENCE EAST 14 RODS; THENCE SOUTH FIVE RODS TO THE
POINT OF BEGINNING.
and whose
which is organized and existing under the laws of The State of New Jersey
address is Three Executive Campus
Cherry Hill, NJ 08002 "Lender Borrower owes Lender the principal sum of
One Hundred One Thousand Six Hundred Fifty and No /100
Dollars (U.S. 101, 650.00
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:
which has the address of 107945 HIGHWAY 89, ETNA [Street, City],
Wyoming 83118 [Zip Code] "Property Address
WYOMING Single Family FNMA /FHLMC
UNIFORM INSTRUMENT Form 3051 9/90
QM -6R(WY) (9212).01 Amended 5/91 III) II 111111111111111111111111
tJ VMP MORTGAGE FORMS (800)521 -7291
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08G8314 451
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.
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 Secdrity
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
6R(WY) (9212).01
Page 3of6
886
Form 3051 9/90
Initials: NIA_
06 /6 isoe WJOd
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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.
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.
6R(WY) (9212).01
Page 5 of 6
Form 3051 9/90
Initials: N/A
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0868314
This Mortgage Insurance Rider is made this 8th day of September, 2000
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or
Security Deed (the "Security Instrument") of the same date given by the undersigned "Borrower to secure
Borrower's Fixed Rate Note
[identify type of note, e.g. fixed rate] note (the "Note to GE Capital Mortgage Services,
Inc.
described in the Security Instrument and located at:
107945 HIGHWAY 89, ETNA, WY 83118
The Security Instrument is amended by adding the following at the end of Section 10 (if the Security
Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument
has a form date at the lower right corner that is earlier than 3/99):
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and
may enter into agreements with other parties that share or modify their risk, or reduce losses. These
agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other
party (or parties) to these agreements. These agreements may require the mortgage insurer to make
payments using any source of funds that the mortgage insurer may have available (which may
include funds obtained from Mortgage Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly)
amounts that derive from (or might be characterized as) a portion of Borrower's payments for
Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's
DOC #:330031 APPL #:0071230197 LOAN #:0071230197
Multistate Mortgage Insurance Rider Single Family- Fannie Mae Uniform Instrument
UM31 0004
(Z)-1 R (0004) Form 3160 4/00
Page 1 of 3 Initials: N/A
MORTGAGE INSURANCE RIDER
VMP MORTGAGE FORMS (800)521 -7291
[Property Address]
"Lender of the same date and covering the Property
III
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pun ;sanbaa 01 'saansops!p uis ;Laa antaaaa o; ;Op aq; apnpu! Slum s;g2p asagy •etst
Jaq ;o £us JO 8661 Jo ;ay uopaa ;oad saauAtoauioH aq; aapun aaunansuI a2e2 ;aoykt aq;
o; ;aadsaa q ;i,t ,fun Ji sett aaMoaaog s ;q2p aq; panne ;ou II!M s ;uaumaa8n Bans ,fud
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•pun jaa ,Cue o; aamoaaog
afpua ;ou pp% 'fag; pun 'aausansul a2u81aoyk aoj anlo II!MM aaMoaaog ;unouis aq;
aseaaaut;ou [[►nn s;uauiaaa8e gans •uno -I aq; jo sum; aaq ;o ,fue ao'aausansul a8s8;aolq
Jo.; 'fed o; paaae seq aan+oaaog Jug; s;unouie aq; paw ;ou 1[ini s ;uauiaaaau gans dud (v)
:Jaq;md „•aauemsuiai anndea„ pauuaf
ua1Jo si;uauIOSueue alp `Jamsut aq1 of pred swniuiaid ay; jo antis a ioJ a8uegaxa ut xsu s,iainsut
aqi Jo aiegs a saxef Jopuo' Jo afetlTJJE ue yip saptnoid fuacuaai2e gans 31 •sassoi 8utanpai JO `xsu
08€ 8314
By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and
supplements the Security Instrument.
DOC #:330033
R (0004)
Borrower
892
(Seal) (Seal)
Borrower
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower
APPL #:0071230197 LOAN #:0071230197
Page 3 of 3 Form 3160 4/00