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HomeMy WebLinkAbout866364WHEN RECORDED SEND ORIGINAL TO: CONSECO FINANCE SERVICING CORP ATTN: DANA WEAVER P.O. BOX 4326 (ZIP 59806) V RECEIVED 283 W FRONT STREET SUITE 203 MISSOULA, MT 59802 ..1NCOLN CMJNTY CL,ER.. 00 JU N 1 0 x(1°1 3 7 State of Wyoming Space Above This Line For Recording Data GT -15 -51 -090 (11/96) 1. DATE AND PARTIES. The date of this Mortgage (Security Instrument) is the parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: LENDER: CONSECO FINANCE SERVICING CORP. 2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants to Lender, with power of sale, the following described property: The property is located in LINCOLN SEE LEGAL PAGE A. CRANFORD ARLENE CRANFORD SEE LEGAL ETNA, WY 83118 P.O. BOX 4326 MISSOULA, MT 59806 (Address) 02013571 866364 BOOK_.«_-_ .Q 9 1 KEMMERER, WYOMING MORTGAGE (With Future Advance Clause) If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. All of the property located at SEE LEGAL WYOMING MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE) 1994 Bankers Systems, Inc., St Cloud, MN Form CTH- MTGLAZWY 12/18/96 (County) ETNA (City) at JUNE- 12, 2000 Wyoming in the City /Town /Village of ETNA County of LINCOLN State of WY in which the Borrower has an ownership, leasehold or other legal interest. This property is more particularly described on the schedule titled "Additional Property Description" which is attached hereto as Exhibit A, together with a security interest in that certain 2000 74 X 32 SPRING MANOR mobile home, serial number The Borrower does hereby authorize the Lender or its assigns to obtain a more detailed property description after the Borrower has signed the Mortgage, and to attach Exhibit A after the Borrower has signed the Mortgage. (ZIP Code) tS and GT -15 -51 -090 (11/96) (page 1 of 6) --7/ ;o Z abed) (96/1 l) 060 t S -S (-i.1' -0 860 96/8 l/Z l AMZV1D188 waoj NW 'Pnol) '1S' 'swa;sAS saalue8 V66 l •Alaadomd ayl an0adw! JO u!E1u!ew o; slepa1Ew xo aoge! 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'oslb •luawnalsul Alupas s!yl 01 luensxnd apew Alp!Ien sa6xeyp pup saaj xaylo pue lsamalu! apnpu! 1ou saop lunowe jo uo!1e1!w!I s!yl paaaxa 1ou Heys awn auo Aue lE luawnxlsul A1lapas s!41 Aq pampas lunowe Iedpu!a8°Ie fi3/41iii'1!wil NOLLVDfl8O wnkvixvt Alaadoxd„ se 02 paxxaJax He) anoge paq!aasap alelsa !Ea.! aya Jo lxgd aq `aanlnj ail u! awn Aue le ao `MOU Aew ley1 sluawaDEldaa pue `saanlxl3 `saxnpnals `sluawanoadw! aanlnj pue 6ulls!xa Iie pue iIao1s aa3eM pue `satpl!p `s1461x uelagdlx pue aa1EM IIe `s14611 se6 pue Ho `s146!1 !eaau!w `sa!1leAoa `sapueuaundde 'sluawasea `s146!x HE y1!M aay3abo1 8. DUE ON SALE OR ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of the Property. This right is subject to the restrictions imposed by federal law (12 C.F.R. 591), as applicable. This covenant shall run with the Property and shall remain in effect until the Secured Debt is paid in full and this Security Instrument is released. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection' of the Property shall be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument. If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor irrevocably grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, title and interest in and to any and all existing or future leases, subleases, and any other written or verbal agreements for the use and occupancy of any portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as "Leases and rents, issues and profits (all referred to as "Rents"). Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument. Mortgagor agrees that this assignment is effective as to third parties when Lender takes affirmative action prescribed by law, and that this assignment will remain in effect during any redemption period until the Secured Debt is satisfied. Mortgagor agrees that Lender may take actual possession of the property without the necessity of commencing legal action and that actual possession is deemed to occur when Lender, or its agent, notifies Mortgagor of default and demands that any tenant pay all future Rents directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of Rents in Mortgagors possession and will receive any Rents in trust for Lender and will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord /tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the Leases and applicable law. 12. LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condominium or a planned unit development, Mortgagor will perform all of Mortgagor's duties under the covenants, by -laws, or regulations of the condominium or planned unit development. 13. DEFAULT. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security Instrument or any other document executed for the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any person or entity obligated on the Secured Debt or that the prospect of any payment or the value of the Property is impaired shall also constitute an event of default. 1994 Bankers Systems, Inc., St. Cloud, MN Form Gtli- MTGLAZWY 12/18/96 0 99 0 GT -15 -51 -090 (11/96) (page 3 of 6) 3 (9 Jo 4 a6ed) (96/1. L) 060 I S L-L D t. 96/8 t/Z l NNZV1DJW-H1! 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'uo!pe1lwli 1nogllM 'sueaw MEl Ieluawuom!nu3 (1) 'uoipas slgl u! pasn 001 V 'S3DNVIS8f1S SfOa21VZVH aNV SMV1 1V1N3INNO1IIAN3 '91 •asealaa gins jo slsoD uopepmo3am Aue aoj Aed o1 saaa6e mo6E61aow •pasealam !pun Dajja u! ulewaa !legs luawnmisui Alun as sm.]. •aapual agl jo aaAoidwa papeies a aoJ saaj ,sAauaolle apnpu! 1ou saop lunowe sit'! •sasuadxa le6al maglo pue Lino) `saaj ,sAawolle algEuoseaa '01 pallw!' 40U s! lnq 'apnpu! Aew lunowe situ 'luawnmisu) AllamaS s141 aapun saipawaa pue s146la s,aapual 6ull)aload mo 6upmoJua '6ullpaiio) u! aapual Aq paammul sasuadxa pue slso3 lie Aed o1 saaa6e ao6e61aow •lgaa pampas ag1 jo swaal agl ul papinoad se pajja u! alai lsamalu! lsat'6iq alp le lini u! pled !llun luawAed ag1 Jo alep agl woal lsamalu! meaq I!!M sasuadxa asagl •lsamalui Allppas s,mapual pue Alaadomd agl 6u!palomd aslMmaglo mo 6ulnaasaad '6u!padsu! '6u1ansu! moJ mapual Aq pammpu! lunoWe Aue puewap uo Aed oslE Him mo6e61mow •luawnmisul Allmpas slgl u! IUEUan0D Aue sapeamq mo6e61mow J! sasuadxa s,mapuai jo !le Aed o1 saam6e mo6e61mow 'Mel Aq pallq!goad uagM lda3x3 'SISOD NOI1331103 !S333 ISA3N21011V !S1NVN3AO3 NO SDNVAaV !S3SN3dX3 'S 1 •ule6e suaddeg ao sanuiluoD 1! J! 1inejap a Juana a41 maplsuoD ma1El 01 146p s,mapual anleM 10U saop mapual '1lneJap s,mo6e61mow uo Apawam Atm 6uispaaxa lou As •1lnejap 6u11slxa Aue jo amp alaidwo) aalnbam 01 1g6!a s,mapuai jo manleM a pair ape s6u!paaDomd amnsopamoj mare m0 palemala»E s! m0 anp s! aDueleq atl mare lgaa pampas ag1 uo luawAed !allied JO luawAed u! wns Aue jo mapual Aq nuelda»e at'1 •glmoj as Aissaadxa 10U JO aaglagM >'Allnba JO ME! 1e papinoad sa!pawam HE 01 paPllua Si mapual agl pue 'anlsnpxa 1ou pue anpelnwp 'pupil) ape salpawam IIV •Alaadomd agl Has ca aaMOd at�1 'uollel! W!I lnogllM '6ulpnpul sluawpop palelam Aue pue luawnmisul A1pnoas s!gl 'lgaa pampas agl Jo sWmal agl 'mei Aq papinoad salpawam a41 !le 01 pap!lua aq la aapual 'uol ;lppE ui •Ja1JEaaagl awilAue ao 1lneJap e jo a)uammmDo alp uodn `Mel Aq paminbam J! a)Uou 6u1n46 mare 'aiq Aed pue anp Alalelpaww! awo3aq !legs IEdpulmd pue lsamalu! panm»e 'sa6me43 pue saaj paaa6e a41 jo 1mEd AUP JO HE 'mapual 4o uondo ag1 w •1lnejap u! s! mo6e61aow p Mel Aq papinoad mauuew a u! luawnmisu! Allmpas slgl asopaaoj pue lgaa pampas agl alemaia33e Aew mapual 'Aue j! 'suonellwll asagl o1 pafgns •suoilPE aans0p3.10j m0j salnpaps awls gsllgElsa AEw pue sa)110U maglo JO amp o1 146!J alp Jo a)fou 411M mo6e61mow apinomd o1 mapuai aalnbam !!!M Mel alms pup ipmapaJ `sa3uelsul awns ul '11f1V33a NO S31031A13 I ''bl 18. INSURANCE. Mortgagor shall keep Property insured against Toss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. 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 Mortgagor subject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrument. All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon Toss, Mortgagor shall give immediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor, Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 19. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 20. FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and Lender's lien status on the Property. 21. JOINT AND INDIVIDUAL LIABILITY; CO- SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti deficiency or one action laws. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify or make any change in the terms of this Security Instrument or any evidence of debt without Mortgagor's consent. Such a change will not release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. 22. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrument is governed by the laws of the jurisdiction in which Lender is located, except to the extent otherwise required by the laws of the jurisdiction where the Property is located. This Security Instrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 23. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page 1 of this Security Instrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be np tl e to all mortgagors. e 1994 Bankers Systems, Inc., St. Cloud, MN Form GTH- MTGLAZWy 12/18/96 101 r .GT -15 -51 -090 (11/96) (page 5 of 6) (9 )O 9 abed) (96/1 U 060 -15 -S 1-ID (m (ma) Qo/ j 7 00Z rater (0T ;o AE p Y Y (leas) ZOOZ `9Z 'Qa3 :saildxa uolss!wwo) Aye xo D• ark ptre••pUO IVAn .6V Aq S aua aiojaq pa6palMOU)1ae seM 3uawn.Esu! sig.'. 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