HomeMy WebLinkAbout866781WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0007688955
R ;RELEASE
F CC. 5 5Q,A o
This Mx1 gage
SEf 88011.. .If N RTSA
PAGE.
STATE OF WYOMING
whose address is
which has the address of
(page 1 of 4 pages)
172 WILLARD AVE.
AFTON, WY 83110
First Security Bank, N.A.
which is organized under the laws of
address is 485 Washington
Afton, WY 83110
Wyoming 83110
[Zip Code]
RELEAsg Q
This Mortgage
111101 IF MIRTIIKES
MIL/ -'7-) B
This Mortgage "Security Instrument is given on
The Mortgagor is
CHARLES A VAN SLYKE, JR. and ANITA VAN SLYKE, husband and wife
The United States of America
172 WILLARD AVE.
[Street]
866781
448 PR PAGE 0 6 0
FHA MORTGAGE
June 28
"Property Address");
d
RECEIVED
INCOLN COriNTY OUP'
00 JUN 29 Fr E.t
J ANNI C..;NER.
KEMMERER, WYO MING
FHA CASE NO.
591- 0877407 -703
2000
"Borrower This Security Instrument is given to
"Lender Borrower owes Lender the principal sum of
One Hundred Twenty Thousand, Eight Hundred Fourteen and No /100
Dollars (U.S. 120,814.00
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 July 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 6 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.
LOTS 6 AND 7 OF THE HALE ADDITION TO THE TOWN OF AFTON, LINCOLN COUNTY, WYOMING AS
DESCRIBED ON THE OFFICIAL PLAT THEREOF.
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights,
appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all 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 seized 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.
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0007688955
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants
with limited variations by jurisdiction to constitute a uniform security instrument covenng real property.
Borrower and Lender covenant agree as follows:
UNIFORM COVENANTS.
f1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest
on,, the debt evidenced by the Note and late charges due under the Note.
2. Monthly Payments of Taxes, Insurance and Other Charges. Borrower shall include in each monthly
payment, together with the principal and interest as set forth in the Note and any late charges, a sum for any (a)
taxes and special assessments levied or to be levied against the Propert (b) leasehold payments or ground rents on
the Property, and (c) premiums for insurance require under Paragraph 4. in In any year which the Lender must
pay a Mortgage insurance premium to the Secretary, of Housing and Urban Development "Secretary"), or in any
year in which such premium would have been required if Lender still held the Security Instrument, each monthly
ayment shall also include either; (i), a sum for the annual mortgage insurance premium to be paid by Lender to the
Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by
the Secretary, In a reasonable amount to be determined by the Secretary. Except for the monthly charge by the
Secretary these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds."
'',ender may, at any time collect and hold amoun for Escrow Items in an aggregate amount not to exceed
the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement
Procedures Act of 1974, 12 U.S.C. Sec. 0 26 0 1 et seq. and implementing regulations, 24 CFR Part 3500, as they may
be amended from time to time "RESPA except that the cushion or reserve permitted by RESPA for
unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not
be based on amounts due for the mortgage insurance premium.
If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA
Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by
lender at any time are not sufficient to pay, the Escrow Items when due, Lender may notify the Borrower and
require Borrower to make up the shortage as pernutte;i by RESPA.
The Escrow Funds are plea ed as additional security for all sums secured by this Security Instrument. If
Borrower tenders to Lender the fu payment of all such sums, Borrower's account shall be credited with the
balance remaimng for all installment items (a (b) and (c) and any mortgage insurance premium installment that
Lender has not become obligated to pay to the ecretary and Lender shall- promptly refund any excess funds to
Borrower. Immediately pnor to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account
shall be credited with any balance remaining for all installments for items (a), (b) and (c).
3. Application of Payments. All payments under Paragraphs 1 and 2 shall be applied by Lender as
follows:
FIRST to the mortgage insurance premium to be paid by. Lender to the Secretary or to the monthly charge
by the Secretary instead of the monthly mortgage insurance premium;
SECOND to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other
hazard insurance prenuums, as required
THIRD to interest due under the Dote;
FOl7RTil to amortization of the principal of the Note;
1 ll to late charges due under the Note.
4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether
now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which
Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender
requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently
erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with
companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include
loss payable clauses in favor of, and in a form acceptable to, Lender.
In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if
not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make
payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the
insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under
the Note and this Security Instrument, first to any delinquent amounts applied in the order in Paragraph 3, and then
to prepayment of principal, or (b) to the restoration or repair of the damaged property. Any application of the
proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to
in Paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required
to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity regally
entitled thereto.
In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes
the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the
purchaser.
5. 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 the Lender determines this requirement
will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's
control. Borrower shall notify Lenders of any extenuating circumstances. Borrower shall not commit waste or
destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear
excepted. Lender may inspect, the Property he Property is vacant or abandoned or the loan is in default.
Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also
be in default if Borrower, dunng the loan application process, gave materially false or inaccurate information or
statements to Lender (or failed to provide lender with any material information) m connection with the loan
evidenced by the Note, including, b ut not linuted to, representations concerning_ Borrower's occupancy of the
Property as a pnncipal residence. If th 5ecunty Instrument is on a leasehold, Borrower shall comply with the
provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be
merged unless Lender agrees to the merger in wntmg.
6. 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 place of condemnation, are
hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains
pn aid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the
indebtedness under the Note and this Secunty Instrument, first to any delinquent amounts applied in the order
provided in Paragraph 3, and then to prepayment of pnncipal. Any ,application of the proceeds to the pnncipal
shall not extend or postpone the due date of the monthly payments, which are referred to in Paragraph 2, or change
the amount of such payments. Any excess over an amount required to pay all outstanding indebtedness
under the Note and this Security Instrument shall be paid to the entity legally entitled thereto.
7. Charges to Borrower and Protection of' Lender's Rights in the Property. Borrower shall pay all
governmental or mumcipal charges fines and impo sitions that are not included in Paragraph 2. Borrower shall pay
these obligations on time directly io the entity which is owed the payment. If failure to pay. would adversely affect
Lender's interest in the Property, upon Lender's request Borrower shall promptly furmsh to Lender receipts
evidencing these payments.
If 'Borrower fails to make these payments or the payments required by Paragraph 2, or fails to perform any
other covenants and agreements contained in this Secunty Instrument, or there is a legal proceeding that may
sigmficantly affect Lender's nghts in the Property such as a proceeding in bankruptcy, for condemnation or to
e orce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property
and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned m
Paragraph 2.
Any amounts disbursed by Lender under this Paragraph sba11 become an additional debt of Borrower and be
secured a this Secunty Instrument. These amounts sha ear interest from the date of disbursement, at the Note
rate, and at the option of Lender, shall be immediately due and payable.
(page 2 of 4 pages)
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SS6 989L000
tR
0866781
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:
(b)
(i
Signature
(TA 0( /9
Printed
MPP -208
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 Authonty under its applicable
regulations or program guidelines di effect on the date of the sale;
or;
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.
Y hereby consent to the modifications of the terms of the Mortgage and Note
which are contained in the Rider.
Printed
064