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HomeMy WebLinkAbout867216UJULZ3)t3 Record and Return to: 867216 g4 RECEIVED LINCOLN COUNTY CI_ OOJUL27 An 11:3O CHASE MANHATTAN MORTGAGE CORPORATION 1500 N 19TH ST. JEANNE WAGNER MONROE, LA 71201 449 KEMMERER, WYOMING ATTENTION: POST CLOSING BOOK__ PR PAGE1 [Space Above This Line For Recording Data] MORTGAGE THIS MORTGAGE "Security Instrument is given on The mortgagor is SARAH D SCOTT, MARRIED This Security Instrument is given to CHASE MANHATTAN MORTGAGE CORPORATION under the laws of the State of New Jersey 7550 West Yale Avenue, Suite B200, Denver, CO 80227 which is organized and existing and whose address is "Lender Borrower owes Lender the principal sum of One Hundred Fifty Thousand, and 00 /100 Dollars (U.S. 150,000.00 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 August 1, 2015 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: LOT 4, ASPEN HILL SUBDIVISION, BEING PART OF THE NORTH HALF (N1 /2) OF SECTION 22, TOWNSHIP 36 NORTH, RANGE 119 WEST, 6TH P.M., LINCOLN COUNTY, WYOMING. which has the address of 447 ASPEN HILL DR, ETNA, WY 83118 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a pert 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) WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90 C -4905 (6/94) page 1 of 5 49704148 1497041488 "Borrower "Property Address g 40 z e6ed (176/9) 90617-0 06/6 LSOE WJod 1N3wf1HISNl INHO1INf1 new e!ppeJ J /eew eluued Ailwej eIDuiS uopoauuoo u! (uoputuaojut Igu0111tu Atm gplm lapua- apt■oad 01 palre3 io) iapua-I 01 s1110111 MS 10 uollguuojui olginooeu! .t0 asju3 Ajjuuamtu aka `ssaooid uo!1eoildds uro! all 2uunp `.1amouog 3! 1lnejap ui aq osm 1jegs aamonog •lsatalui �Cl unoas s JO 3ua0unu1suI kiun3OS 51141 ACq paleaao 11011 01413o 1uaulaludur! 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'1apua -103 1amo11og 1q alg11/ied stuns Aug (3) pure :Kure 31 `swntmatd 00ure1nsu4 021121.1011 /(!0110/1 (a) :1(ue 34 `stunuutaad aouginsu! pool] 1(411401( (p) `.stunnuald aougansui 1uadold 10 p111z111 1p11a/C (o) `,Cur 3! `1Cuadold 0141 uo qua' punol2 10 sluatu,i11d piogasua! 1Cpga/C (q) `1Cuadold all uo 1at! 11 sr luatunt3SUJ 1llln0aS sill lain (luoud 111111311 AMU 140lgm S1uau155as511 pug 50x141 Apra( Ali 08G721(; 276 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 Security 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 payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. 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 agreed to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the 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. WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90 C -4905 (6/94) page 3 of 5 06 /6 190£ waoA g ;o t abed (06/9) 906i'-0 IN3Wf1l11SNI INl1OIINl 0 9Ippaa,l /aeW eluuej- Allwej 9I6uIS JNIWOIIM iapT2l atuoH puooas patloaTTe are s1apT1 5uTMOTTO; a4 u11aurn.'lsul fC11m30S 511!1 JO !.zed 11 alOM (s).iapu agp 3! s11 puatunrlsui 'iunoas sup 3o sluatuaaag pus snmuanoo agp luauraiddns pue puaure hugs pus o3u1 pa3srodroout aq tis rapt.' bons l°ga jo sluawaaar pus slu11uanoo alp luatutulsul Altanoas sup gppt 1aq10Wo1 paprooar pus ramorrog iiq prima an &Tapp .'rout ro auo 3I •;uawna;sui 'i;t:maaS spo o; saapig •pZ Suado1d a 11 111 ramop pus ,Csairno 3o s1tMr tis satismbutia1 pus filmdom 3I1 lit uoidwaxa pzalsauroq jo slg2t1 Its saAmtn ramoJJog •saaAieM •£Z •srso3 uotlsproaar /rue .fed Vets ramorrog •ramorrog o1 a°reg31n0111,M luatun.'psul Al!moos sup amp.' 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Japua'I JI •luatun1lsul Altman sup jo amp alp jo sr M11! 1g1apa3 �Cq palpgtgo1d s! astataxa j! Japua' ,iq pastzuaxa aq 1ou Bugs uot3do sup `1OAOM0H •luaulnusul Alrmoas sump Aq parnoas stuns pr jo tin3 u! 1uatuA11d a3111Paunut annbar `tondo sap 1e 'Arm rapual `111051103 uaftIM Joud s,Japua-I 1nogltm uosaad i111n311u 111ou s1 JaMO1JOg pus pa11aJsuerr 10 pros s! JaMOtog u! Isarattu 1gt3gauaq 11311o) paIJOJsu11I 10 Nos s11p lit 1S0103up tits 10 Iuadord 0 141 3 1°rsd ,Cps 10 Il 3I •aaMOaaog ui ;saaalui !maiiaual' a ao Slaadoad aq; jo aajsusa,L 'Li 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. O8 &?21.(i AS TO ALL BORROWERS State of W ©rn D The foregoing instrument was acknowledged before me by SARAH D SCOTT, MARRIED #5/4t,:. '1714 2000 .''Witness'`.tny hand and official seal. 9e My Commission Expires: [Space Below This Line For Acknowledgement] (Signature) (Title of Officer) T EOM CAt 278 County of I PI£e t 4' ,ss. WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90 C -4905 (6/94) page 5 of 5 06/6 068£ 'ma luI3pM ui naazaur ag3 0l saaz$t .iapuoi ssajun aglow lou Fits aI1!1 aaj agl pue plogastat ag3 'filmdom ag3 or app aaj sazinbot zaMozzog Ij •astat ag3 jo suoisinozd att3 tie g3IM /Cjduroo TWITS zaMOZZOa `pjogaseaj t uo si luaumzlsuj /iliznoos suj 3I •auzoit puooas a se filmdozd alp jo asn pure /ioutdn000 s,zamozzog 2utuzaouoo suoileluasazdaz `01 paliunI rot! lnq Tuipnloui 'a1oN ag1 /iq paouapina utoj am gim% uojloauuoo ui (uoptuuojui tepaletu /Cue qr!At zapual apinozd or papj zo) zapua'- of s3uatua3els JO uope1111O3ut aleznooeui 10 0 slt3 'Ileizaltui aneg `ssaoozd uoptoildde utol ago gupnp `zaMozzog 3! ljntjap ui aq osit imp zaMozzog *Isamu!! 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MULTISTATE SECOND HOME RIDER- SINGLE FAMILY- Freddie Mac UNIFORM INSTRUMENT FORM 3890 9/90 C -7024 (11/96) (replaces 7/95) Page 2 of 2 280 LAND TITLE COMP. TEL:13077336186 RELEASE and WAIVER together with all improvements thereon. Sep 09'00 3:07 No,010 P.13 281 For good and valuable consideration, the receipt and sufficiency of which is acknowledged, I, Bill Scott do hereby forever release and waive ail rights under and by virtue of the Homestead Exemption Laws of the State of Wyoming in regard to Lot 4, Aspen Bill Subdivision, be'±n partar of the North Half (N1/2) of Section 22, Township 36 North, Range 119 West 6th P.M. L 4.ncoln County, Wyoming. I realize that my wife Sarah D. Scott has applied to Chase I�axthattan t rtg a Corporation for a loan in connection with the pur;.hase of the said property presently owned by Marja Helena North and acknowledge that the said Glass Manhattan m r tgaage Corporati as relied upon this release and waiver in making the said loan. DATED This day of July WI`LNS my hand and official seal. ly Commission expires; ,2000 STATE OF COL2eD County of dG-) ss. LThe' foregoing instrument was acknowledged before nie this day of July by Bill Scott bail blic !H A TAMOS, Pftrelle sM* or 0t0, Ste Comm isIon Exp s,