HomeMy WebLinkAbout866657When recorded mail to:
ABN AMRO MORTGAGE GROUP, INC.
P.O. BOX 5064
TROY, MICHIGAN 48084
ATTN:FINAL /TRAILING DOCUMENTS
LEASE
Y i
1/
This, Mortgage
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tt 1F I,QRTIA ES
op
LOAN 611281288
11001(447 PR PAGE r 0 8
Space Above This Line For Recording Data]
MORTGAGE
THIS MORTGAGE "Security Instrument is given on JUNE 19 2000
CYNTHIA D HATLEY, A SINGLE WOMAN
This Security Instrument is given to ABN AMRO MORTGAGE GROUP, INC A DELAWARE
CORPORATION
existing under the laws of THE STATE OF DELAWARE
and whose address is 2600 W. BIG BEAVER RD., TROY, MICHIGAN 48084
("Lender").
Borrower owes Lender the principal sum of ONE HUNDRED FIFTY FOUR THOUSAND THREE HUNDRED*
FIFTY AND NO/ 100******************** *D
(U. S. $154 350 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 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 3, REES SUBDIVISION, ACCORDING TO THE OFFICIAL PLAT OF RECORD IN THE
OFFICE OF COUNTY CLERK, LINCOLN COUNTY, WYOMING.
which has the address of 434 PINE ST, ALPINE
Wyoming
83128
[Zip Code]
WYOMING- Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Form 3051 9/90 Amended 5/91
WYVDEED 311 WYVDEED
"Property Address
Pagel of5
866657
RECEIVED
_INC0[....N COUNTY
L!£? JUU 26 r
JEANN
KEMMERER, WYOMIfJG
The mortgagor is
"Borrower
which is organized and
[Street, City],
Initials: 14,x*
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WYOMING- Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Form 3051 9/90 Amended 5/91
WYVDEED Page 3 of 5
VL`sbtova4,
710
LOAN 611281288
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 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 ofa 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 ofa 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
Initials:
‘-754.
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4S99980
LOAN 611281288
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.
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 ofcurtesy 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 ofeach 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 1 1 Condominium Rider 1 1 1 -4 Family Rider
Graduated Payment Rider I I Planned Unit Development Rider I 1 Biweekly Payment Rider
Balloon Rider I 1 Rate Improvement Rider 1 1 Second Home Rider
V.A. Rider 1 1 Other(s) [specify]
1
STATE OF WYOMING,
by Cynthia D. Hatley
My Commission Expires: Feb. 26, 2002
0866657
(person acknowledging)
WYOMING- Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Form 3051 9/90 Amended 5/91
WYVDEED Page 5 of 5
Te ton County ss:
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:
The foregoing instrument was acknowledged before me this 19th day of June, 2000
(date)