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HomeMy WebLinkAbout8667454H900100000t'SET8EE004. Att66EZ* 1f Yc :sleiiiui 0W6`C50£ waod ['u0 OS] :SuituoiiM `I 1unoD asogm puR Si zoSESuout au Id11, '!0,).!A "J 3111 1 3 ",1 s7 or 00 flU (13A1333U 9; 8 8 Ddd H a x000 3sn SE Gado031d ldod 3A09V 30ddS 16ZZ-1Z9(008) SWk1od 30)/011.10W dWA (1761L0) Odo 1N3Wf1d1SNl WHOUINf DIM alppaumeW aluued [apo0 diZ] `(„ssazppd .ilaadozd 213213WW3)I 3f1N3AV wan IZZI 303213H1 1Nld 1VIOIJJO 3H1 NO 038I20S30 SV 9NIWOAM `AINl00 N1O NI1 `213213WW3)I JO NMOI 3H1 Ol NOI1I00V ON003S 3H1 210 8S )1018 JO L 101 N1O3NI1 ui pairool Auadoid paquosap Suimolio3 am 'airs 3o zamod gum `zapua7 o1 iianuoo puE mug `aSESUouu ,igaiau saop aannoziog `asodznd sup zod •aloN ay1 puE lUatunalsul Aipznoas sup zapun sivatuaaaSE puE sluEUanoo s,zamozzog jo aouRUUZoJzad ail (o) puE :luaunulsui Altanoas stye 30 Aginoas aql loalozd of L gddaSEZEd zapun paouenpE Isamu! gum `stuns Jotpo IIE jo luaw1SEd ayl (q) :a1oN ayi jo suoprompow puE suoisualxa `siumauaz u puE Isamu! pm `aloN alp Aq paouapina igap asp jo luaulArdaz aqi (E) :zapua7 o1 saunas luatuntlsui AitznoaS spa 000Z 'I LnC uo algEAed puE onp `law piEd lot 3i lgap IIn3 otp tpim 'swanked ed Algluon! ao; sapinoad yoigm „a1oN luatunzlsui AltznoaS sigl sE am mugs ayi pomp aiou s ifq paouapina st lgap spa, 00 OSZ' 3S •s'n) szEuou 00T/00 pue AIJ I3 03 H OMl ONVSl0H1 OMl A13I3 jo ums Iedtotnzd atg zapua7 samo zamozzog „zapua7 £T9T Z0£T6 VD SVSV8V1V3 `VOVNV2i9 )121dd 00517 si ssazppE )1210A M3N Jo vim aql zapun Sutlspca puE paziuESzo st gopim 2130N31 31VS310HM S VO I213WV 01 IMO' st luaumnsul'iliznoaS spa „zamozzog Al2J3d021d 31V21dd3S ONV 310S 213H SV NVWOM 03 V `S3NOC '3 VNNVS021 0003 '03 aunC uo uaniS si „luounuisui Allmon HOHOyHOJAI SIH.L E1OVDi IOVI S'i I 3S33d '1 1-01 (AM)H9 AI!wed el6uls DNIINOAM TOT£8 guw-m M JO ssazppE aril SEy yoiym 6££bd ONISO1O /M01:13S3 175£i8££ NVO1 99Z0-0141.6 VINI:IOd11V0 'SAM NVA 99201 XO9 'O'd 'ld3a 1017I1NO01NS 6L AS NSW :Ol 1Ivw 03C180031:i N3HM 08b€045 883 3381354 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 (t) 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. 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 under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. Form 30 ,1 9� ...6H(WV) (9401).01 CFC (07/94) Page 2 of 8 Initials: :s,efuul 9 W E aced 076 /L0) 3A0 `o (ors) (MA)H9r' v SOE WuJod anlasal SSO •a3Uelnsu[ aS11S;locu 3o nail ur 9Masal 5501 r se s;u9cuArd asap mem/ puz asn `2daoor mm zapua7 °1oa a ut aq 02 pasgao JO pasde4 aRezanoo aoueznsut am ua11m 1amozzog Ag pied Sutaq umunazd aourinsm aSrSrlour A1zraA am jo g23iam; -auo 03 Ienba ums a yluow tiara zapua7 of A11d pegs zaMOUOg `aigeltene iou si aSei9AO0 aouemsut aSgSizour lualrntnba Ali pur;sgns 31 •1apua Aq panoldde zainsui aSet;lour airuua;l11 ue uroi3 'loa a ui A4snoinaid aoueznsut aSeSizour 9112 jo Iamouog o; ism 91t3 of ;uajeninba AIlet;uelsgns 1500 a 111 `ioa a Ut AlsnOtnaid aouemsui a2e53zour am of luajeninba Ageuur;sgns ageianoo W 1qo o; pazinbaz sumnuazd 9112 Ard II11tis samouog 'iova ui aq o; sasrao JO sasdej Japua-2 Aq pazinbai agezanoo aOUemsut a2RSi1our 9111 `uosgai Aug Io3 `3I •1oa33a ui aourznsut aS11S ;zour atjl rnrn u o1 pazinbai stuniurald am Aed Ilrgs 19M0II0g `;uauml;sul A2imoas stye Aq pamoas um am Suixeru jo uoriipuoo a se aoueznsui aS112ilour pannbar Iapua-I 3l •aaueansui aSBS;.Kow •g ivauiAed Suusanbm I9MOUOg o1 Iapua 1.1m013 aoiiou uodn 'palm! 112im `algrArd aq jjeis pug a ;m alojq am ie ivaurasmgsip jo a;ep am cuozu Isamu! 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Aitm0as s,lapua°I zo luaUufIlsuI AluU0as stye Aq pa2eazo uatl 012 Ijrdun AjjeualeUI 0S 10yio JO A119d0zd 911130 ainga31o3 tit I1nSaI moo 2uaur pooS s,zapual ui 211141 un2aq Si `leutur1O so Tinto 1011101M `Sutpaa001d zo uoIIOE 91112293103 Aug 3i 1lnrJap tit aq i1rgs IOMOIIOH •Aizadold 0141 110 01Sem 111ucu0O zo 'alr1011alap or Amdahl am molls `A2zadozd atp JIEd1U1 z0 aSeurep `A011sap nu pugs IOMO1lOa 10241100 S,JOMOJJ011 puoSaq 0111 g0111M 252x9 s9OUr2sum0110 Sutirnualxa ssalun 10 `P1ag111tm Algruosra°nm aq 1ou 111115 2uasuo0 goigM `Su1211M 111 5991211 aslmlag;o lapuaJ ssojun `Aouedn000 jo aiep age za1311 1raA auo ;seal 211 103 aouapisaz jediODUd s,1aMO11og sr A21ado1d 0141 Adn000 01 anuiluoO i11111s pue lu0curu15ui A1t1n0as sup 3o uoilnOaxa 0142 1913E &Aep A1x1s Uiglrm aouapisaz jedrouid s,IaMollog sr Al1adozd atp asn pur `12silge2sa `Adn000 pegs 10MO11og •sployasean :uoj;naljddV aeon maMOaaog :A;.radoad ay; Jo uo faa;oad pug 00ueua;tymi 'uo fenaasaad 'Aouednoop •9 •uofisinb0e 9141 0l Ioud AIale!pau rn IuaUunz2sul Aiun0as sup Aq pamoas sums 911130 ivalxa 9112 or zapua 01 sled ii is uotlisinboe am or mud A;Iadold 9142 or a1etu11p tu0I3 SuillnSal spaaoold pre s0r011od aOUEInsut Aum or 214221 s,lamouog `Iapua-j Aq paunboe si A2zodo1d 0141 IZ 11drJSezed zapun 3l swuamArd 9112 3o mow 9142 a1Ue10 Jo Z pue 2 sgd11S11111d Ut or pauaJaz s1u91uA11d Alr12uour 0112 3o amp anp age auodlsod 10 puma 20u 1111gs IrdtOUud of spoaoold 3o uoi;rogdde Aar `Sutium tit 9912e asIMlagIo .10MOIJOE1 pue 1apua-I ssalufl •11an1S si a0110u 9141 ua1M uiSaq IIiS pouad Arp -p£ 91414 •anp uatj2 2011 so 1011101M `luauml;SUI A1unooS 5111 Aq pamoas sums iced or 10 A11ado1d 9112 a1OIsa1 Jo Itedar 0; spaaoozd atp asn Arun lapua •spaaooid aOUeznsut 912 2091100 Arm zapua 119111 `uttrJO 11 9JUas of p919jjo 51114 19111110 9011e1115111 9113 111111 Iapua-I map 9011011 a ep p£ utglim 1OMSUe 2011 S9op Jo `A21ado1d 9112 suopuegr Iamouog 3l •Iamouog or pird ssaOxa Aire 1ptm `anp 110141 1011 zo Jainatvet luaunu3sul A1ilnoas stye Aq pamoas sums am or paildde aq II11gs spaaoozd 9011111115111 a111 `pauassal aq mom Alunoas s,l9pua-I so appro.; AIIr0iurouo0a 1ou si Iisdoi 10 1101111101591 914131 •pauassal 1ou s! Alun0as s,zapuarl pue algisea3 All1101Wouo0a Si Iirdaz 10 uo1311101saz 9111 3t `pa2eurep A3Iadold arp 3o 1iedal JO 1101111102591 of paijdde aq !111115 spaaoold aOUrznsui `Su41ilM ui 991211 as1MZa1410 1OMO110g pu11 lapua-I ssajun •z9MO11og Aq A1;durold apru110113i sso4 jo 3ooid 0)1ecu Arum Iapua-I Iapuan pue 10111110 001 9111 01 9012011 ldurold 9Al2 yetis 1aMOUOg `ssoi 3o ;liana 9111 114 •sa012ou jrmaual pue sumiurazd pied 3o Sid!a0a1 i1r zapua-I O3 91122 Ai3dW01d Ile11s 1amo11og `salinb91 zap11arl 31 •54rmaual pu11 sai0god 9113 ploy 01 ;Op 9142 9Aeg Iietis lapua'I 95111110 9S -allow p111puels 11 ap1JOU1 Hugs pue zapua'l o; algelda00e aq Ijrys sIRMauaI put saiOilod aouvmsU1 IId •L tide1S11111d 1121M 00uepz00011 tit Alzadozd age ui s114St1 s,zapual 300101d o1 9S1110A00 ure1go `uoiido s,zapua-I 111 'Amu Iapua-j `anoge paquosap a1ezanoo uIEIU[EUr 01 51!113 1aM0110g 3I •plati1111m Ajg11uos11azun aq ;ou 1111gs goigM Irnozddr S,1apual o1 10afgns 1aMOIIOg Aq uasog0 aq t1egs 901111.1115111 0142 Sulpinoid 19111110 aou111nsui atu, •sazmbaz zapua- 111141 spouad 9112 zo3 pue sumo= 9141 m pautelu!eur aq 1111145 a0u11msut sua •a0ueznsui sazinbai zapua' 10igM 103 `2utpooT3 zo spoo13 SUipn!0U1 `sp1ez1111 101.420 Aug par „am/too papu91xa„ uual a111 utg31M papnIOUt Sp1ez1111 `011,3 Aq 5504 1sui11S11 panto! A ;1ado1d 0141 110 pa10a1a 10131191911 10 Sui3sixa Mou sivaur9no1durl 9112 daa3l 4411145 1aMO11og •aOUeansui A;Iadoad a0 pagzRH •s ti5£T8££ 17 8 St /.990 08GG'745 3381354 $8 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 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 under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be govemed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 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Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument to Borrower. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. 23. Waivers. Borrower waives all rights 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(s) 1 1 Condominium Rider 1 1 -4 Family Rider Graduated Payment Rider 1 Planned Unit Development Rider 1 1 Biweekly Payment Rider Balloon Rider I I Rate Improvement Rider 1 Second Home Rider V.A. Rider I I Other(s) [specify] 1 1 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: (Seal) (Seal) Borrower Borrower STATE OF 6thirld, North Carolina The foregoing instrument was acknowledged before me this by Rosanna F. Jones (person acknowledging) My Commission Expires: 3' 5 2-0 I A ,..a6H(WY) (9401).01 CFC (07/94) Page 6 of 6 (Seal) ROSANNA F. JONES Borrower L- (Seal) Borrower County ss: 44rn e`h" 887 (date) 6 Notary Public Form 3051 9/90