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HomeMy WebLinkAbout865788AFTER RECORDING MAIL TO: Major Mortgage 2020 Carey Ave Mezzanine Cheyenne, WY 82001 R ELEAS E O p This ��Moort SEf 813 0.6 T1Gt7 OF 166Ri i ES PAS 865788 i_ 1 BOOK PR PAGE ID 0 7 RECEIVED 00i! JEANN i..,, (AIJNiLk KEMMERER. WYOMING [Space Above This Line For Recording Data] MORTGAGE THIS MORTGAGE "Security Instrument is given onM a y 1. 2000 The mortgagor is Dennis L Facer and Betty J Facer, Husband and Wife This Security Instrument is given to Major Mortgage, A Wyoming Corporation which is organized and existing under the laws of Wyoming and whose address is 2020 Carey Ave Mezzanine, Cheyenne, WY 82001 "Lender Borrower owes Lender the principal sum of One Hundred Fifty Four Thousand Five Hundred Dollars and no /100 Dollars (U.S. 5 4 5 0 0 0 0 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 J u n e 1 203 0 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 i_ i n c o 1 n Count A u ing: which has the address of C attached hereto and made a part hereof. 367 Sunny Meadow Court Afton [Street] [City] "Property Address "Borrower Wyoming 8 3 1 1 0 [Zip Code] 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. WYOMING SINGLE FAMILY-- FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY //0491/3051(9 -90] -L PAGE 1 OF 6 9 JO 3 30ed 1 /1.6170 AMlawo /osl 06/6 1.90£1141:10d 1N3WfH1SNI WHOIINfl O1A1IHd/WdNd 31ONIS ONIWOAM pue slunowe eql u1. paulelulew eq 'legs aoueansul slgl aoueansul seJlnbei Japuaq golgM Jol '6ulpooll Jo spoon 6ulpnloul 'spiezeq Jain() AUB pue „e6eaenoo papue xa„ waaf eqf u!gf!M pepnioul spaezey 'aa11 Aq ssol lsule6e paansui ApadoJd 8141. uo paloeaa Jalleaaeq Jo 6ullsix8 MoU sluewanoadwl eql dam! 'i s JaMoJJog •aoueansul A ;aadoad JO paezeH g •aollou ;O 6ulni6 ayl lo situp 01. ulyl!M enoge yfao; fes suolloe eg110 aaow Jo auo eel Jo U911 OW A1SIlss Begs JaMoJJog uag 8141.6u1A1pfuepl eollou a JaMoJJog enl6 Aew Japuaq 'luewnisul *noes s114f JOAO Aluoud ulsfle Aew gOIyM uell e of foafgns s! 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The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. 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 the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower 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 periods that Lender requires) provided by WYOMING-SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY//0491 -90) -L PAGE 3 OF 6 9 AO t' 3O`dd 1 06/6 490£ WUOd 1N3WnF11SNl WHOJI■f O1A11HiNWNd 31DNIS--DNIWOAM °e q ienes eq o; penioep aae el.ON eq; pue luewnJ ;sui A;!Jnoes sly ;o suo!s!noad ay; pue s!ql of •uo!s!noad 6u!;o!I;uoo egl Inoyi!M;aa; ;a uen!6 eq ueo ya!LiM a;oN eq; JO luewna;sul Al!Jnaag sly; ;o suo!s!noad ieglo ;oa ;e;ou !!eys;o!I;uoo Lions 'Me' a!ge3!Idde y ;!M s ;3!I ;uoo eloN eq; JO luewnJ ;sul A;!JnOas sly ;o esnelo Jo uo!s!noad Aue ley; Juana ay; u! 'pa ;eool s! A;aedwd eqi yo!LiM u! uo! ;o!ps!Jnf ay; ;o Me' eq; pue Mel Pepe! Aq pawano6 eq 'legs ;uewna;sul A;!Jnaag s!yl •Auliquaeneg :Me 6uluaanoD 5L °ydea6eied sly; u! pap!noJd se uen!6 uayM aapua Jo JaMOJJOg o; ueAI6 uaaq anal o; puweep eq 'legs ;uawnJ;sul AminOa9 sly; u! 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PUB alge!!ene sewooeq u!e6e aapua1 Aq panoJdde Jaansu! Lie nit i90 'ON NVO COP 4 O 4 LOAN NO. 061119 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. 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 recognized to be appropriate to normal residential uses and to maintenance of the Property. 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 WYOMING SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC/CMDTWY//0491/3051(9 -90r L PAGE 5 OF 6 JeMoJJOg- (IeeS) JeM01JOQ- (IeeS) 19M0/100- (lees) 9 JO 9 3OVd 1 6) 1.90£ /1640 /AMIaWO /OSI 06/6 150E WHOi 1N31411:11SNI WFlOIIN11 OW'1HdNWNd AIIWVI 31DNIS ONIWOAM :ss AlunoO 9689 8 9 6T 9 aagwnN Alunoes IelooS J a8 b Z L 1 99_ 6 1 9 JegwnN AlianOeS IelooS Jepltj ewoH puo0eS Jepid luewAed Apleemlg aap!�I AI!wed 4 L (elep) 000Z I U LO DU L. 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Allmon sly' Aq pampas swns Ile o; (q) :saw ,sAauao ;fie algeuoseaa `ol pauw!! 1ou ;nq `6ulpnloul `ales swig sasuadxa lie o} (e) :aspic) 6ulnnolioJ eql uI palidde eq !legs ales agi ;o speeooad a41 as Aue w Apedoad aye asegoand Aew aau6lsap slI JO aapua me! algeolidde Aq pequosead aeuuew aql u! pios aq dais Apadoad eql pue `ales jo eoliou age gs!!gnd Heys aapua j, gdea6eaed uI pepinoad aauuew 041 ui aaMoaaog o} ales aqi mai 1 90 'ON NVO1 3 0 1 Car:{ 11111) ALTA COMMITMENT 1982 WY SCHEDULE C 40' Commitment No.: FA 6449 M The land referred to in this commitment is situated in the State of Wyoming, County of Lincoln, and is described as follows: Parcel 1 A parcel of land located in Section 15, T32N R119W of the 6th P.M., Lincoln County, Wyoming being more particularly described as follows: Beginning at the South 1/16 corner between said Section 15 and Section 16, said point also being the Northwest corner of the SW3 SW'% of said Section 15; thence N 89 °03'28" E, 526.94 feet to a point, said point being the true point of beginning; thence continuing N 89°03'28" E, 804.77 feet to a point, said point being the Northeast corner of the SW1SW of said Section 15; thence S 00 °08'55" E, 749.86 feet along the West 1/16 line of said Section 15 to a point; thence N 90 °00'00" W, 804.70 feet; thence N 00 °08'55" W, 736.62 feet to the true point of beginning. Parcel 2 The right of access as provided for in instrument recorded December 1, 1998 in Book 424PR on page 575 of the records of Lincoln County Clerk.