HomeMy WebLinkAbout866742WHEN RECORDED, MAIL TO:
UTAH POWER LIGHT EMPLOYEES' CREDIT UNION
1407 W NORTH TEMPLE
SALT LAKE CITY, UTAH 84116
Loan No.:
Order No.:
(Space Above This Line For Recording Data)
THIS MORTGAGE "Security Instrument") is given on June 27, 2000
The mortgagor is CHRISTOPHER L CARY KAREN A CARY
This Security Instrument is given to UTAH POWER LIGHT EMPLOYEES' CREDIT UNION
and existing under the laws of UTAH,
address is 1407 W NORTH TEMPLE, SALT LAKE CITY, UTAH 84116
Borrower owes Lender the principal sum of FIFTY- THOUSAND and no /100
Dollars (U.S. $50,000.00).
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 July 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:
SEE ATTACHMENT "A"
which has the address of 1506 CANYON RD
KEMMERER, WYOMING 83101
"Property Address
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 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) 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. Section 2601 et seq. "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.
WYOMING Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Page 1 of 6
IDS, Inc.
3E7 742
RECEIVED
Borrower(s) Initials(" �i 0.—*.
r c.
1 [41'i-46
MORTGAGE 87 3
1300#4 _PR PAQB_._.......,�.
"Borrower
which is organized
and whose
"Lender
Form 3051 9/90
Amended 5/91
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0866742
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 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
WYOMING Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Page 3 of 6
IDs, Inc.
Borrower(s) Initial
875
Form 3051 9/90
Amended 5/91
1[6 /S Papuawd
06/6 MC wing
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!legs JuawnusuH Animas sty; ,(q paanoas stuns ay; And o; uotie2pgo s,aaMOaaog pun ,C;iadoad ay; ut supp s,aapual `Jttawna;suJ ,CJtan°as sty; jo uatj
ay ;ell; aanso of aambaa ,Clgnuosnaa Amu aapuai sv 11o9 0e lions swill; (p) pun `saws ,s,Cawoun algyuoseaa `oJ pa ;twtl Jou Jnq `;iutpniout `Juawna;sui
,(Jonas sty; 2utaaoJua ut paunout sasuadxa Ile sdmd (a) `sivawaaaSe JO s;unuanoo aaq ;o Aug jo ;inujap ,Cue samo (q) `paaan000 put not ;saaiaoou ou 31
o a;ox ay; pue Juaww;sui ,(Jonas sty; aapun anp aq pinom uagJ yotiM scans lie aapua-i s,Ctd (u) :aamoaaog will axe suot;tpuoo °soya •Iuawna;suJ
Allmon sty; 2utoaoJua Juaw2pnf v jo Aiwa (q) ao ';uawna;sui ,citanoas sty; u! paute;uoo alt's Jo aaMOd Aug o; 1uensand ,ciaadoad ayi jo alts aaojaq
(JUawa ;tisulaa aoi ,(].loads ,Cew Mei aigeotidde se potaad Jagw° lions ao) s,tep 5 (t) :3o °rhea ills of aoud awp ,Cum it panu!Juoostp Iuatuna;suI ,CJimoas
sty; jo ivawaoaojua anvil o; Jpu ay; aneg !lugs aamoaaog `suoptpuoo uw .rno saaw aaMOaaog 3H •a ;u1sulag o; 10111 s,aaMOaaog •gi
'aaMOaaog uo punwap ao aoiJou
oat in3 ;not ;tm Juatuansui ,CJtm°as sty; Act pa1;tuuad satpawaa ,CUE °donut Amu aapuaj pouad sty; jo uotivatdxa ay o; aotad stuns °say; ,Sad IN
spv3 aaMOaaog3H ;uawna ;sus Animas sty; (q pamaas swns !lv ,Ced isnw aaMOaaog go14M wpm pajtew ao paaan11ap s1 amino ay; aJep ay; wag s,imp
0£ unto sot Jou JO potaad u aptnoad pugs a°pou aya •uot ;taapooe JO a °t ;ou a°MOlaog ants i►ggs aapua-H `uoiJdo sup sast°aaxa aapua13I
•Juawna;suJ Xtunoas sty ;3o a ;tp aq ;3o sy Mti imam ,fq papgigoad st asroaaxa ji aapua-i (q pas►oaaxa
aq sou pugs uopdo sty; 'la/tan/toll ;uawna ;sus ,C;tmaaS sty; ,(q paanoas stuns llv jo iinj ut ;uaw,Ctd a;etpawwt aambaa `uoi;do sit In 'Amu aapua'
;uasuoo uaupm aotad s,aapuari ;nogliM (uosaad lmanwu u Jou sr aaMOaaog pue paaaaJsuea; ao pins 9.10M0110$ tt! Jsaaalut letogauaq n3! ao) pauaJsuna;
ao Pios s! Jt u1 Isamu! ,Cue ao ,(;aadoad ay; 3o Iaed ,sue ao He 3I •aaMOaao u ;saaa;ui Hni°gauag a ao Spadoad ay; Jo aaJsueaJ, •L1
;uawna;sui *moos s!tp Jo pun atom amp jo ,ido° pauuojuoa auo uan1W aq ilvys aaMOaaog •,CdoD s,aaMOaaog •91
•algwanas aq o; paae!oap am a;oH.i ay; pun mammal' ,utanoas step jo suots!noad
ay; pua sty; al, •uo!stnoad 2up°ti;uo° at ;;noq ;tM ;aaga uant2 aq ueo gown °JoN ay; ao;uawna;sul ,C;tmaas sty; Jo suotstnoad aaq ;o loam ;ou liugs
;olguoo gaps `mvl aiggotidde g;IM s ;oti;uo° a ;oN ag; JO ivaww;sui ,S;tmaas sup jo asnyio 10 uotsrnoad ,Coy JyyJ Juana amp ui 'pa;too! s! ,CJaadoad aq2
yotgM u! uopotpsunf ay; jo Mv! ow Pug mu! leaapaJ dq pawano2 aq !lens ;uaww2SUH ,SJtmaas sun •4titgnaanas :Hers gmuaano9 •Si
*Awed sty; ut paptnoad o uant2 uagM
aapual JO aaMOaaog of uant2 uaaq anvil of pawaap aq ilvys Juawna ;sus *moos sty; ut a03 paptnoad a°pou ,Cud •aaMOaaog o; a°I;oU cq saivualsap
aapuarl ssaappe aay ;o ,toe .10 utaaay pain ;s ssaappv s,aapua(i o; ituw solo lug ,(q uaiq aq hugs aapua-i o; aopou ,iuy •aapuari o aoi ;ou ,Sq sa ;eu;itsap
aaMOaaog ssaappe aai10 ,Cue ao ssaappy ,CJaadoad ay; 01 pa °aa1P aq !legs aopou ago °pogJaw aay ;out jo asn saatnbaa mu! aignotlddd ssaiun l►uw
solo Jug ,(q 1! Su dq .10 1! 2uuantap ,Cq uant;i aq slugs Juatutuisui ,CJtanoas sty; u! aoi paptnoad aamouog o; aopou ,(uy •saat;oN ti
ail aapun amp ;uaw/cyd°ad ,(ue Jnotp!m
;uaw,cedaad lnpand y se paJmaaJ aq !pm not ;°npaa aq1 `iidtauud saonpaa punJaa u 3i •aaMOaaog o ;;uaw,Ctd maw) n Wunluw ,cq ao mom aq; aapun paMo
indtouud alp 2utonpaa ,Cq punmaa sup a)lew o; asoogo ,sew aapuari •aaMO.uog o; papunJaa aq !ltm s;twp paUttwad papaaaxa gatmM aaMOaaog woo;
por°ailo° ,(praise stuns ,cum (q) pun `.Jtwtl paUtwaad ay; o; Amp ay; a °npaa 01 ,Umssaaau Jttnotut ay; ,Cq pa°npaa aq !toys aRaeyo uvw eons Aug (m)
:uag3 tutu!! paUtuuad ail paaoxa ono! ay; gitM uopoauuoo ut pai°aiioa aq o; ao pampa saaaego uvo! aay ;o ao isaaa;ut ay ;ttp os pa;aadaa;ul ,ipeug
Si mu! rem pun tango Uno! =wpm] was y °ty' Mtl t o; ;°°fens st ;uawna ;sus ,SJtan °as sty; Xq pan °as ono! awn •sagleto unori
•JUaSUOO s,aaMOaaog
MI mown a1°N ag; ao ;uatuna;suI ,(;minas sup 3o swum ay; o; pat2a1 g11M sUot ;vpowwo°°e Sum a)igw ao aeagao3 `,C31Pow `pua;xa 01 =Re Amu
aaMoaaog law Aue pug aapuarj mg; saaa& (0) pug ;uawna ;sus ,(Jun °as sty; cq pampas stuns ay; And of pa;e (llmuosaad ;ou st (q) 'Juatuna;suc
,titan °as sup 3o suua; at; aapun ,cJaadoad at; ut Isamu!! s,aaMOJJOg rots ,(antto° pun tuna `a2n2yow o; ,Ciuo ;uatuna;sui *moos sty; &utats
-00 s! (g) :mom ay; a1n°axa Jou saop;nq JuawwisuI ,i3imoos sup su2ts -oo o1M aaMOaaog Iiuy •lnaanas pug;uaof aq !lugs s1uawaaa;in pun s ;unuano°
0866'742
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 right of homestead exemption in the property and relinquishes all rights of curtesy 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 of each 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
Graduated Payment Rider
Balloon Rider
V.A. Rider
Condominium Rider
Planned Unit Development Rider
Rate Improvement Rider
Other(s) (specify):
WYOMING Single Family FNMA/FHLMC UNIFORM INSTRUMENT
Page 5 of 6
IDS, Inc.
Borrower(s) Initialer
877
1 -4 Family Rider
Biweekly Payment Rider
Second Home Rider
Form 3051 9/90
Amended 5/91
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0366742. 8 9
ATTACHMENT A
Lot 1 of Block 1 of the Garnet Street Addition to the City of
Kemmerer, Lincoln County, Wyoming as described on the offical
plat thereof