HomeMy WebLinkAbout866092LOAN NO. 59- 012 52011679
THIS MORTGAGE "Security Instrument is given on MAY 24, 2 0 0 0
The mortgagor is
RUSSELL S BECK AND STACEY C BECK, HUSBAND AND WIFE
whose address is
246 EAST 4TH AVENUE
AFTON, WY 83110
"Borrower(s) This Security Instrument is eiven to
FIRST NATIONAL BANK WEST
A NATIONAL BANKING ASSOCIATION
which is organized and existing under the laws of THE
P.O. BOX 1620
AFTON, WY 83110
"Lender Borrower owes Lender the principal sum of
WYOMING
[State]
866092
4f1,0 19 7
BOOK' ,PR PAdE.
MORTGAGE
83110
[Zip Code]
RECEIVED
NCUI.. t ro t"
00 HAY 25 AN 10: 00
JEANNE °,Vg;GNER
KEMIMIERER. WYOMING
WHEN RECORDED RETURN TO:
FIRST NATIONAL BANK WEST
PO BOX 6003
EVANSTON, WY 82931
[Space Above This Line For Recording Data]
State of Wyoming
FHA Case No.
UNITED STATES OF AMERICA and whose address is
SIXTY -EIGHT THOUSAND AND 00 /100
Dollars (U.S. 68,000.00 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
JUNE 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; (b) the payment of all other sums, with
interest, advanced under Paragraph 6 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:
Part of Lot 1 of Block 22 to the Town of Afton, Lincoln County,
Wyoming being more particularly described as follows;
Commencing at a point 7 rods West of the Northeast corner of said Lot
1 and running thence West 3 rods;
thence South 127 feet;
thence East 3 rods;
thence North 127 feet to the point of beginning.
which has the address of 264 EAST 4TH AVENUE, AFTON
[Street] [City]
"Property Address
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights,
appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all 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 recor.
1
FHAWYMTG (05/96) Initials:
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OSt .J .L41 199
6. 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 place of condemnation, are hereby assigned and
shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security
Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument,
first to any delinquent amounts applied in the order provided in Paragraph 3, and then to prepayment of principal. Any
application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are
referred to in Paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all
outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto.
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or
municipal charges, fines and impositions that are not included in Paragraph 2. Borrower shall pay these obligations on time
directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon
Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments.
If Borrower fails to make these payments or the payments required by Paragraph 2, or fails to perform any other 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, for condemnation or to enforce laws or regulations), then Lender may do
and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of
taxes, hazard insurance and other items mentioned in Paragraph 2.
Any amounts disbursed by Lender under this Paragraph shall become an additional debt of Borrower and be secured by this
Security Instrument. These amounts shall bear interest from the date of disbursement at the Note rate, and at the option of
Lender shall be immediately due and payable.
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.
8. Fees. Lender may collect fees and charges authorized by the Secretary.
9. Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require
immediate payment in full of all sums secured by this Security Instrument if:
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on
the due date of the next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this
Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section 341(d) of the Garn-St
Germain Depository Institutions Act of 1982, 12 U.S.C. 1701j -3(d)) and with the prior approval of the Secretary, require
immediate payment in full of all sums secured by this Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise
transferred (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or
grantee does so occupy the Property, but his or her credit has not been approved in accordance with the requirements
of the Secretary.
(c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does
not require such payments, Lender does not waive its rights with respect to subsequent events.
(d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights,
in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument
does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary.
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be
eligible for insurance under the National Housing Act within 6 0 days from the date hereof,
Lender may, at its option require immediate payment in full of all sums secured by this Security Instrument. A written
statement of any authorized agent of the Secretary dated subsequent to 6 0 days from the date
hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility.
Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely
due to Lender's failure to remit a mortgage insurance premium to the Secretary.
10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of
Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure
proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to
bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument,
foreclosure costs and reasonable and customary attorney's fees and expenses properly associated with the foreclosure
proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect
as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: (i) Lender
has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the
commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the
future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of 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 successor 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
FHAWYMTG (05/96)
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20. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of courtesy and
dower in the Property.
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)]
BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s)
executed by Borrower and recorded with it.
Witnesses:
[Space Below This Line For Acknowledgement]
o UJ1 a
STATE OF
SS:
COUNTY OF 1 C-11:11
by:
The foregoing instrument was acknowledged before me, a Notary Public, on
Ru,SS.¢,.1.L 3 t c..c. a. u t.. S'Fa.c.Lt.t C. t3e..GIC.
In WITNESS WHEREOF, I have hereunto set my hand and official seal.
My Commission expires: a-1 D.-03
FHAWYMTG (05/96)
x
Condominium Rider
Graduated Payment Rider
Non -Owner Occupancy Rider
Other [Specify] WCDA TAX EXEMPT RIDER
Person(s) Acknowledging
201
Planned Unit Development Rider
Growing Equity Rider
Adjustable Rate Rider
Page 5 of 5
5 /;g
Date
(Seal)
Borrower
(Seal)
STACEY C K Borrower
(Seal)
Borrower
(Seal)
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