HomeMy WebLinkAbout866123WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0007687957
B oa 5 1 7 5 0
This Mort gage
Sit BOOK.. f OVUM
PRi
STATE OF WYOMING
This Mortgage "Security Instrument is given on May 25
The Mortgagor is
DELWIN W MCCRARY and BEVERLY J MCCRARY, husband and wife
whose address is
First Security Bank, N.A.
which is organized under the laws of
address is 485 Washington
Afton, WY 83110
which has the address of 121 MADISON STREET
[Street]
Wyoming
(page 1 of 4 pages)
121 MADISON STREET
AFTON, WY 83110
83110
[Zip Code]
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LL F MOITr ►cES
FWfi
FHA MORTGAGE
The United States of America
"Property Address
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RECEIVED
I!! NCOLN COUNTY
R
00 HAY 26 Hi 2°
KEMMERER. WYOMING
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AFTON
[City]
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HOOK
HOOK, a
FHA CASE NO.
591- 0874309 -703
2000
"Borrower This Security Instrument is given to
and whose
"Lender Borrower owes Lender the principal sum of
Eighty -Six Thousand, Eight Hundred Sixty -Six and No /100
Dollars (U.S. 86,866.00
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 011 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 of the Note; (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 2 OF BLOCK 2 OF THE AFTON TOWNSITE, LINCOLN COUNTY, WYOMING BEING MORE
PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT 12 RODS NORTH OF THE
SOUTHWEST CORNER OF SAID LOT 2 AND RUNNING THENCE EAST 15 RODS; THENCE NORTH 8 RODS;
THENCE WEST 15 RODS; THENCE SOUTH 8 RODS TO THE POINT OF BEGINNING. LESS AND EXCEPT
LAND CONTAINED IN QUITCLAIM DEED RECORDED OCTOBER 27, 1986 IN BOOK 244PR ON PAGE 112
OF THE RECORDS OF LINCOLN COUNTY CLERK.
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 record.
11
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RSZ
L96L89L000
0007687957
Borrower shall promptly discharge any lien which has riority 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 hen by, or defends against enforcement of the hen in, legal proceedings which in the Lender's opinion
operate to prevent the enforcement or the lien; or (c) secures from the holder of the -ien an agreement satisfactory, to
Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is sub ect
to a lien which may attain pnority over this Secunty 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. 5 `j
(a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of payment
defaults, requ immediate payment in full of all sums secured by this Secunty 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 Secunty Instrument.
(b) Sale Without Credit Approval. Lender shall, if ermitted b applicable law (including section 341(d) of the
C rn-St Germain. Depository Institutions Act of 1982, 12 U.S.C. l701lj -3(d)) and with the prior approval of the
Secretary, require immediate payment in full of all the 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 nd permitted foreclose if not paid. This
i
Secunty Instrument does not authonze acceleration or foreclosure if not by regulations of the
Secretary.
(e) Mortgage Not Insured. Borrower agrees that should this Security Instrument and the Note are not
determined to be eligible for insurance under the National Housing Act within sixty (60) 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 sixty (60) 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 Secunty Instrument, Borrower shall tender in a lump sum all
amounts required to bung Borrower's account current including, to the extent they are obligations of Borrower under
this Security Instrument, foreclosure costs and reasonable and customary, attorneys' tees 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 ermit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings
n two years immediately preceding the commencement of a, current foreclosure proceeding, (u) reinstatement will
preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the pnonty of the lien
created by this Security Instrument.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment 9r
modification of amortization of the sums secured 1)ty 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 of the sums secured by this Security Instrument by reason of any demand
made by the original Borrower or Borrower's successor in interest. Any forbearance by Lender in exercising any nght
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 pf Lender and Borrower subject to the provisions
of Paragraph 9.b. Borrower's covenants and agreements shall be point and several. Any Borrower who co -signs this
Secunty 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 nstrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and an other Borrower may
agree to extend modify, forbear or make any accommodations with regard to the terms of this any Instrument or
the Note without that Borrower's consent.
13. Notices. ny notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
it by fir st class mail unless applicable law requires use of another method. The notice shall be directed to the
Properly 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 address Lender designates by notice to Borrower. Any. notice
provided for in this Secunty Instrument shall be deemed to have been given to Borrower or Lender when given as
provided in this paragraph.
14. Governingg Law Severability. This Security Instrument shall be governed by Federal law and the law of the
N urisdiction in which the P roperty is located. In the event that any provision or clause, of this Security Instrument or the
ote conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be iven effect without the conflicting provision. To this end the provisions of this Security Instrument and
the Note are declared to be severable.
15. Borrower's Copy. Borrower shall be given one conformed copy of this Security Instrument.
16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of
any Hazardous Substances on or in the Pro rty,. 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 recogmzed to be
appropriate to normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any inyestigation claim, demand, lawsuit or other action by
any governmental or regpl agency or pn�vate party involving the Property and an Hazardous Substance or
actual Environmental Law of which Borrower has knowledge. If Borrower learns, or is notified by any governmental or
regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is
necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 16, 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 matenals
As used in the paragraph 16 "Environmental Law" means federal Laws and laws of the junsdiction where the Property is
located that relate to health, health, or environmental protection.
0007687957
(Page 31,:s)
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