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HomeMy WebLinkAbout86665800Z 1.00Z130814£ Naid 'BulwoAM `A ;unoO ulooull N d 11 9'M9I4 i 'Nb£1'9 uogoeS `b /6MN P /63S :Su►wo,CM `X;unoj ulooull u! pa ;goo] Avadoid paquosap Rulmoli°J alp `ales Jo Jamod gpm `Japuai ag; o; JCanuoo pug ;uel5 `a;IgS;Jow Alan"' saop JOMOJJOg `asod.tnd siq; Jod •a ;oN ag; pug ;uawni ;sui JC ;unoas sup Japun s ;uawaa.idg pug s;uguanoO s,JamoJJOg jo aougw.tojiad ag; (o) pug ;uawn.fsui AllJnoas sup jo ;c.znoas alp ;Oa ;oad o; L gdgi2u d .tapun paougnpg `;saga ;u► qp►nn `scans Jag ;o lie jo ;uawked alp (q) `.a;ox ay; 3o suof1Ogrpow pug suoisua;xa `slgmaua1 Ilg pug `Isaac ;u► gplm 'Nom ay; 'Cq paouaptna ;qap alp jo ;uaua dai alp (g) :Japua1 o; sainoas ;uawn.c ;sui JC;tunoas sun 91.0Z `6 /Clnr uo aiggJCed pug anp '.tau.= pled ;ou 3t ;qap lln3 aqi g ;tm 'slum/cud JClg;uow Jo3 saptnoJd gotgm „a;oN ;uawni;sui tt;tUnoas sup su amp awes alp pa;gp a;ou.s,JamoJJOg iCq paouaptna st Nap slgi, 00'000`SS •S•R) sJgllou "(„Japual aso4M pug ;uawnJ;sui ,C;!JnoaS suu, „JamoJJog ONIVVOA:.A CI 1J3V17i3)i 3JI 9 111'00 ;TTOON 3/ \I333i ,p,. 1NS• SIB l ;lu] S1N30 oiez pue SfvilOa puesnogl enld Amd L 4 1. abed 66fL L90£YWNd #Idl 999£ 9P (008) 'out swJod Jase'f 06/6 I•90E mod ;uawnJ;su] wJO}]un ouvielppaJJ /aeWaluued Kliwed 8I6uls ONIWOAM Jo cans IgdtowJd alp .tapuari gam° JamoJJOg 017££8 01 'wngo ;eyi 6£Z£ XO8 'O 'd Si ssaLppe ogepl ;o a ;e ;S eg; Jo snivel ag; Japun Sul;s!xa pug paz►uuSio sl g°tgm 8S9998 sel ;oil ;ue eg; itq queue; se `e;lnn pue puegsng `Jo ;oed 'S elo!J ;ed pue _loped lee43!L J ugor st JoSe2uow aqJ 000Z 1 1Z eunr uo uant5 st („;uawnJ;sui 'C;Ianoa aovo iovi SIHL IDVD1lO [ma BufpJooaa Jod cull anogy aoedg] uoleJodJo3 ogepl ue `ogepl ;o ling ;sJld o; uan!B Si Z66£8 JlM'pio4peg SL£' X08 Od Si ssaJppe asogm OVd 2Id O ©H 1417E10061. :oN ueol Z00£8 AM `uosver 09826 X 'O 'd otiepi o muee ;sJld 0866658. 714 which has the address of 633 Bluebird Lane, Thayne [Street] [City] Wyoming 83127- "Property Address [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and 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. 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) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seg. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. 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(00g) 'out swio easel 0616 690£ wand 3uatun4sul uuolio(1 Oeyyalppaad/aeweluued Aimed ONIWOJIM 8599980 0866658 716 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 td 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 WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page4 of 7 Initials: r r o w :siel ;Jul 1 ;o gaped 66n 1.90£dwNd #ldi 999£-944 (009) 'out sunod Jas 06/6 1.50E wlod ;uewna ;sul wlo ;Jun oeyllalppea,j /ee eluuej AIlwed ei6uiS JNIWOJIM sup `1amo11og Aq luawal9 ;surai uodn •pa2uugoun anuttuoo ri9gs luatun.r;sul Ilunoas sup RI paanoas sums 041 ,cud o; uor192trgo s,lamollog pug ,Cpadold at{1 ur sJ42r1 s,lapuarl `tuawnIJsul ,(;unoas sup jo uarr am imp aanss9 o; aiinbaa ,Cigeuoseai /Cuw lapua-1 s9 uorpu irons sage; (p) pug `saaj ,sAauio119 aigeuoseai `o1 pawl!!! 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ur lossa0ons Aug lsure2e s2urpaa00ad aOuawwo0 01 pairnbal aq Jou ins lapuarl •tsalatui u► slossa00ns s,lamollog 10 1amo11og 19ur2r10 041 1 A1i1rqur1 041 asualal o; a391ado tou !imp aamollog 10 lsalalur ur lossao0ns Aug 01 aapUarl Cq palu2a2 luawnalsul ,ilun0as sup iCq pamOas stuns alp 10 u0rl9zrirow9 3o uor190grpow 10 'Rr99980 086665 718 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, ¢errand, 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. 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 of curtesy and dower in the Property. WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (600) 446 -3555 LFI #FNMA3051 1/99 Page6 of 7 Initials: 614 :ss ,f ;uno0 uo ;el JeMOJJ09- J8M0JJ09- (I JeMOJJ08- (IeoS) 3 J1'-9 JeMOJJOe- (I j 10 La6ed 66/1. L90£VWNd #I�l S99£ (009) 'out sWJO j Jesel 06/6 650£ WJOj ;uawn4sul uuo;iun aevie!ppeJ j /aeINe!uueA Agued ai6uis ONIWOJIM (64peiMouNoe uosied) co -f i °b :sai uo►sstwwoo AN °leas IerogJo pug pugq Aux SS IN1IM sel ;eigue eq; i(q s;ueue; se 'sot pue pueqsnq 'iope,g 'S eiaia ;ed pue Jo ;oed I8ego1W ugor Act temp) 000Z `6Z eunf stgp au1 aiojaq pagpalmouNou sem luaWnilsut 2ulota1o; ata [rueuW6peimouNoy JOA euil situ melee eoedsJ ao ;aed Isegom u) or Jo;0e1 •g eoa!J;ed 8599980 `9■IIIAIOAM Jo aiNIS :sassaupiM lr gltm popaooaa pue JamoJJog ,Cq palnoaxa (s)loprJ ,Cue ut pue Iuawnalsul Aginoas stgl ut pautgluoo slueuanoo pue swam aql of saaidg pue sldaoon .zamosrog `MO"Igg DNINJIS Ag [4noads] (s)JaglO n laprg awoH puooaS a Japig luawanoadwl aleg n Japrg uoollgg Jam luaw,ied XPlaannig lapt21 luau.rdolanaQ Itun Nutlet," laprg luaw'Ced palenpulD Japtg Al umd 17 ED aaptg wnrutwopuoJ 0 .rapt] aleg algelsnfpd I [(sa)xoq algeotldde loagj] ivawn.risul C1t.rnooS sigl Jo p d a a.ram (s).rapu aql jr se luawnalsul Alunoas srgl3o sluawaa12e pue slueuanoo aql puawalddns pue puawe Hugs pue oput paleaodaoou► aq hags lapta eons goes Jo sluawaaJWe pue slueuanoo agp luawn.r1sul ,CitanoaS srgl gprm aagpoSol papaooai pug JOMoJJOg ,Cq palnoaxa 0Je saaprJ 0JOW JO auO 31 •;uaumilsul AnanaaS mil op saaptg First Bank of Idaho P. O. Box 12860 Jackson, WY 83002 Parcel /Tax ID 34180820011200 Loan No: 190013441 THIS ADJUSTABLE RATE RIDER is made this ObtAitiLib 7Z0 [Space Above This Line For Recording Data] ADJUSTABLE RATE RIDER (1 Year Treasury Index Rate Caps) 21st day of June, 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 (the "Borrower to secure Borrower's Adjustable Rate Note (the "Note to First Bank of Idaho, an Idaho Corporation (the "Lender of the same date and covering the property described in the Security Instrument and located at: 633 Bluebird Lane Thayne, WY 83127 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 8.375 The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of July, 2003 and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. MULTISTATEADJUSTABLERATERIDER- 1 YEARARM Single Family FNMA /FHLMC Uniform Instrument Form 3111 3/85 (1 Year Treasury Index Rate Caps 2% Adjustment Cap) Laser Forms Inc. 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