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HomeMy WebLinkAbout866190avId ToToT33o eq4 uo a •rxosa s13 5u tuoA 'R uno u oauT iaoiemule P P T M O T Z X 3o uMos eql oq uoTaTATPgnS sggETeH uTODUTrj eq.4 3 xoorH 3o E �o'I :Wuiutod4 `Iiluno3 N'IODNIrI ui paasool A3iado.id paq sap Vutmollol aq1 'am ;o iamod tplm 'lapua' of ,Canuoa puu auu.iS 'aSuS>_tow ,Cyaiaq saop aamol.iog `asodand sly .tod •atoN aga pus auautiuisul dti.inoas slti Japun sluawaaJ2e pus siueuanoo s,lamol.tog jo aouewJojiad aqi (o) pus :ivawn.iisul Aal.tnoas slqp jo Swims aql loataid of L gduaund :spun paouunpu `isa.alui tplm 'stuns layo lle jo auawAsd aip (q) :atON atp jo suopeoyipow pus suoisualxa `slemaual Ile pus `1s3i3aut gilm `aToN aqi Aq paouappta tgap ate jo ivatuAudai age (u) :Japua-1 sa.inoas ivawtutsul Allmon stgu 0 0 Z T HMI" uo alquAsd pus anp '.taytua mud tou 3i `map IIn3 atp tpim `quatuARd Aigauow Joj sapinoad plot „aMoN tuawn.nsul Alunoas sign su amp awls aqj patsp atou s,Jamo.i.iog Ay paouapina st tgap situ 00'005'SL •S•N S 3 elloCl 001/00 QNK QS aQNMH HATA QNKSMOHS HAI A ASNHASS jo tuns ledioulid alp aapuarl samo lamonog s► ssaJpps asogm pus (,,.ia HAIM QNK QNXHSMH SLdKI'I'IIM W A'I2ISHWI?I QNY SNVITIIM K ?IOI?IZKd sl Jo2I2laotu aqu '00/10/90 uo uant2 st „luawnalsul 'ilt.tnoas aovo 1I0IN SIHI SZVT0088 'ON NKO'I F 0 V SDdd &I IOOu JNIM O4 M 113L131AIWa)i C�".t^11`NB'11 3NNV3r as Wd t— HflrO0 J,�;tliJ 000N1 133AI3038 3 L Jo 1 aSecl (apo3 d!Z) „ssaippb' Auadoid 101 8 2ufwo,CM (taaitsl 21S2ISH wa)I 2ia SSHD I HH N'IODNI'I 9 T 3o ssaippe ag1 sell t oigm aDVO L?IOIAt lewa 8uipioaay Jod aulj silly anogy aoedS] 061998 ►SU£V WNA J,N3WaH,LSNI 11111OA1Na 3W alppaiA/aepl aluueA JpwaA a1UM-ONIINOAAt Y 0£628 AM 'NOZSNKAH 'ZS NIKI4 TOOT KOIIIHNV AO SS,LYZS QHZINf JO smut agi Japun 2upsixa put: paziva.io si goigm NOIZKIOOSSK DNI)INKH 'IKNOLLKN 'NO,LSNKnS NI ?INKS 'IKNOIZKN ZS2II3 of uani2 si luauituisul 'lianas situ o£6Z8 AM 'NO.LSNKAS 'ZS NIVN TOOT NOZSNKAH NI ?INKS 'IKNOIZKN IS2iI,3 Os N2tnSH2i QSQ2ioDH2l NSHM 410 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. 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 ev the payments. 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Auadold all 3o u5d Aug 15141 saunuaalap Jap11a1 3I •luatututsui Apunoas st141 01 imp alp 2uilgutplogns aapua^i op A1o1OSJstpes luatuaaI 5 1111 uati alp 3O laptop apt m013 s01npas (o) JO :mil apt jo puatuaOJOJua 0141 luanald Ot alulado uotutdo s,Japua-i alp 11t 140!14M s3uipaaooid legal 'ut uati at( 3 luatuaOJO3ua tsure2e spuaJap 10 `Aq mil apt 1411x3 pool to s1Satu00 (q) Liapua1 01 algspda3Oe aauugui r ut trap a141 Aq pampas U0i15 pqo lilt 30 lu0tuced alp Ol Sut1!M ut S00125 (s) :aoMOluog ssalun luatutulsui Altmpas spit JOAO Aluoud se14 gp114M uati Aue 32Jegostp Alidmold pegs 1amofog T7 L 30 E ailed ISOSY WN3 1NHW(1111S■I W1IOIIN(I a'W a!PPGlIMPI aluue3 iII "3 allmS 9NIWOAM 111;; t OSOti- O Page 4 of 7 412 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 successors 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 Severable 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. WYOMING Single Family Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Initials: FNMA3051 ;TV L 3o s a ged ISO£VIVN3 1N3NI[1N.LSNI 1V1I03INa 3w /V NPPaWad1N aiaae3 AMA 30MS !1MMAM •Alzadold 013130 aougualuIeul o; pue sasn jepuapisal !mum of aiuudoldde aq o1 paziu800al Ajlelaua8 an lem saotreisgns snoplezhg jo sappuenb Hems jo Auadold 0141 uo a8e1ois 10 `asn 'aouasaid am 01 ,fiddr lou !legs saoualuas oml 8mpaooid aqj me-1 jeluauluolinug Aug jo uouejotn ui si le! 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'tunas sup jo suotsinozd laglo rang mu Ijegs 13iT3uo3 gons `mg! ajgeotjdde 1431m 5103131103 a1 am so ivatunllsuj IC1un3as 5313! 30 asnup so uoIsinold Cue imp ivana 0131 u! •pa3530! s1 iCuadold 0131 tpigm ui uop33Pst1nf 0141 3o mej 0131 pue mej jrlapa3 iiq pau1an08 aq pegs luatunllsui A1un0as sita •,f;1ilgeaanaS :Ate'I 8uluaan09 •ST •gdez8end sup 111 pap3nold se Tian!$ uagm lapua1 zo 12m0110a o1 uan38 uaaq 0ngg o1 pamaap aq !jugs luatunlisuj Alun0as slut u3 103 papinold 0311011 ziud •1amo11og o1 0313011 Aq salgu8isap lapuai ssaippg laglo Aug 10 unapt! palms ssalppe s,lapua'j o1 jieui sop 15113 ,iq uani8 aq orris 10pual of a0ilou ifud •1apua'i o1 0311011 ,Cq sa1eu8isap zam0110g ssaJpp5101410 ,Cue 10 SS01 d Auadold am 01 paioaltp aq !lugs 03!4011 0131 •po143am lagloug 3o asn salinba1 mut aiquoijdde ssajun lieu! ssep 15113 Aq 1i $u333eul Act so 11 8uuanijap Aq uan38 aq !!5p5 3TiaulnziSUi Alunoas sup Tit 103 paptnold 1am0z10g o1 03!1011 ,Cud •saal ;oljj •vj •aloN 01331apun a81e133 luaul1Cedald ,Cue lnoglim luatuAgdald lepled g se pa1ea11 aq iilm uop3npa10141 `jedpuud sa3npal punjaz r 31 •zamozzog 01 1uaulAgd 13anp 8uplem Aq 10 010N alp lapun paw jediouud 0142 8upnpal iiq punjal 53141 al= 01 asoog0 Amu zapua7 •12m0110g 01 papUItJa1 aq 33tm 5131113 pallitulad papaaoxa g3313M lamozlog uwo13 paloajjoo ,Cpeazlg sums iiue (q) pug :11111!1 palliuuad am 01 08111140 0141 a3npal 01 £isss230u lunoure 0131 ,iq pa3npal aq Ijegs a8zetjo ugoj gons fug (e) :110 `51311133 pa111u11ad agi paaoxa uroj 0131 gum 1101300111103 111 pal303300 aq 01 p013ajjo0 sa81e143 Tirol 101310 10 ISOIOIUI 0111 15131 os palaldlalut ,Sing 53 me3 15131 pue `sa8lugo 111103 ulnuttxetu s1as 130313m mg3110113afgns si IUatun115ui Aliln0as sup Aq paln0as Imo! ag13I •sa8aeg3 Ut3 TT Borrower shall promptly give Lender written notice of any investigation, claim, demand, 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 curtsey 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)] 0 6 °.)0 414 Adjustable Rate Rider 1 -4 Family Rider Balloon Rider Other(s) [specify] Condominium Rider Graduated Payment Rider Rate Improvement Rider Planned Unit Development Rider Biweekly Payment Rider Second Home Rider WYOMING Single Family Fannie Mae/Frcddie Mac UNIFORM INSTRUMENT Initials: FNMA30S1 Page 6 of 7 iamOJJOg (Igas) aamo»og (Iuas) a1gQ 000Z `aunt To asp SYZrdI'I'IIM x'IITHEMI)I Jamouo (lgas) �z b2 17,�r SWYITIIM 'rd )IOIH rdd sI L Jo L aged 'pas IgtPtJ ;o puv pun' rout las olunang anvil I `3O32I1HM SSINIIM uI gutgpoImouxod (s)uos1ad I KVNI 3 INTN!IUUSM maim a!PPaki/egpN 0 P U £1!Wd 3 1 8 U JMP OAM ZOOZ `Z Aisnzga3 :saatdxa uotsstututo3 AIN smsTTITM 'ICI kf pus smsTTTTM 'S' 1oTzlsd :iCq uo `oggnd Are1oN g 'ow aao;aq paBpaimouxov sum luaumalsut 2u1o2o.w; arts N'IOONI'I JO A,LNIf1O3 :SS( ONIIdOAM io MINIS sassaultM '1t it papaooai pug .tamouog Aq palnoaxa (s)aapu Aug ut pug luaum.tlsul 4unoas SnI1 ut pautgluoa sluguanoo pug Stuia1 am 01 saalfg pug sldaoog aamouog `MO"Igg ONINOIS Ag W r r, 119 S 4)