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HomeMy WebLinkAbout865338S (L6/0 0LLRAMdWW III 111111011110111101111111 :armful 8 to L 96" BZL•LZ51008) SWHOA 3DVELLIf0W dWA L6/9 Pap L t o 1 zLZS) (AM]Id9 06/6 L90£ W WlIOdINf1 OWIHd /VWNd-AI!wed eIBu!S-ONIINOAM „ssiPPV klzadoza ['pop drZ] 9 Z T E 8 Sup:no/cm D'1aails1 ,LOONS 0 S QVO I A.LNL100 SNK'I )iji'd'IO r1 S ZZS JO SSIPPg NI sBq gotgm &ururoAM SCjunoD N'Ip3NI ut paleoor 6lzad9zd paquosap Surmolioj atp `ales jo zamod glrm `zapuai of Sanuoo pug Toga `aVg4rour Agazaq saop zamozzog `asodmd sn]I zod :aloN atp pug luaumzlsul <,ItmoaS saga zapunsluauraaag pug sluguanoo s,zamozzog 3oaauguuopad alp (o) pug !luau:m.1) ur Xltmoas snp jo Xitznoas gip Ioalozd oI L gdgz2gzed zapun paougnpg Isazalut gltm `sums zaglo rig jo Iuaurigd alp (q) `aloini alp jo suopuo!jiporu pug suotsualxa `srgmauaz jig pug `lsazalut gltm 'awl alp Xq paouaptna Igap aql joluaur igdaz atp (g) :zapua7 of saznoasluaumzlsul Alunoas stay 0 E 0 Z ',1ST AVro aicrehd pug anp `zatizga ptgd Iou 3t lgap I[n3 agl glrnn `sluauded Xlgluour zoj saptnozd gotgm „aloN„)Iuaurnzlsupflunoas strp sg algp acres ail poop alou s,zamozzog paouaptna st Igap stgj oo•000'AZT •s'n) s.reuol jo urns p drauud alp zapua' samo zamozzo g zapual asogm pug SHILHHIJNS SHL 1CS SLNVNSL SV 'S3IM GM' QN`dHSLIH 'NO JSSYS V'dVL (INV NONSSVS NIVHS st i0Valzotu aq L 0 0 0 Z HJ L Z I Hd'd uo no/0 sr uaru su „l nzl I iltznoaS grJvrJ.L2ION] SIH.L ONWV!4OAM 'i3ri3111 83Nc) f.'” NNV3P ti Z 1 ddV 00 i t ‘i i -;v f ILL) i) '•i 1 V O i'1 a3M3338 ;oaaaq .zad a apeui pup o ;aaaq pagoegqe uoT diaosap j26ar OOT /ON QN'd QNKSQOH,L dfOd ALNSM.L QSHaNflH SNO EUSS NN 'SI'IOdVSNNIN 00T 'HIS 'SONISSO21D NYIQRIEN ENO sr ssazppg S2i'dM a” ISQ 3o smei aqI zapun Sugstxa pug pazruazo st gatgm IOVD,L2I01i\I [e1'0mpzoaeg ao,d amt s!q aeogy ands] 8CES98 3NI )R1OM.LSN 'IKIONVNI3 SDNINOOSNOH of uantS sr luaumzlsul *moos stgy zamozzog E HOW lid t 3I00g 8L£CIOZO 5 :legwnN ueor £Z$ NYNN'stlodaauugnl 001 •915 'sulsso.° ue'Praaw Quo oul oaga1.1 1acou8ulg edu1u:opau OH :ol umlea pepaooad ue4M b f 13” Uf c--> SOVNIIIM 0S6533 ^3 CO 6R(WY) 192121.01 MFWY8770 (4/97) 041 190392 -5 Page 2 of 6 140 TOGETHERWITH all the improvementsnow 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." BORROWERCOVENANTSthat 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 encumbrancesof record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITYINSTRUMENTcombines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORMCOVENANTS. 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 assessmentswhich may attainpriority over this Security Instrumentas 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 (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph8, 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 SettlementProceduresAct of 1974 as amendedfrom 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 HomeLoan 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 independentreafestate 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 permittedto 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 paragraph2l, 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 paragraph2; 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 mannerprovided in paragraph2, 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 Instrumentunless Borrower: (a) agrees in writing to the payment of the obligation securedby the lien in a manneracceptableto 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 agreementsatisfactory 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. 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Borrower shall pay the premiumsrequiredto maintainmortgageinsurancein effect, or to provide a loss reserve, until the requirementfor 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 condemnationor 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 proceedsshall be applied to the sums securedby 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 Instrumentimmediatelybefore the taking, unless Borrower and Lender otherwise agree in writing, the sums securedby 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 abandonedby 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 authorizedto collect and apply the proceeds, at its option, either to restorationor 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 amortizationof the sums securedby this Security Instrumentgrantedby Lender to any successor in interest of Borrower shall not operateto release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commenceproceedings 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 forbearanceby 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 Instrumentbut 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 securedby 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 Instrumentis subject to a law which sets maximum loan charges, and that law is finally interpretedso that the interest or other loan charges collected or to be collected in connection with the loan exceed the permittedlimits, 'then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permittedlimit; and (b) any sums already collected from Borrower which exceeded permittedlimits 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 Instrumentshall 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 governed 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 Instrumentor 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. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. ®6RIWY) (9212).01 MFWY8770 (4/97) 041 190392 -5 Page 4 of 6 1 42 Form 3051 9 Initials: 5-Z6£06I-ib0 (L6Po) OLLBAman 0-4•1srac mew a 0 9 geed Lou Lc6) (AM1219- aq; 3o uojssassod onui aapuag g 103W ajgeuosgaa'o; e;3alo3 0; pampa pug puntuap aagpnj j ;do RI le 'aapuag a,uoaaog 3o asuaJap iaqp SUR nnujap jo aaunsixa-uou aq; ;Jassy ol uonatt ;moo Snug o; ;Op aq; putt (3311 aaje as tisujaa .as sal; iiq pumas o; amp.; 3 q; (p) ssai Sou 'app a (a) pad ate( ajge3nddg o ;Uguano3 ,fUe 30 ;gaa ja33V •iZ odiNn Nox 3es `4411aq o3 aria' 11r pasn sd •s(11ua3em ant3O11otp11J pug'apkgapjeuuo3 Jo soisagse Suture3UO3 sj11uamin `s1uan(os af3g(on `sapraigiaq pue sapp9sad 3703 `spnpozd amaio13ad 39(03 Jo aigeuzun j3 Jag3o 'auaso103( 'aa1ios112 :sa3u113sgns 2umMojio3 31(3 pue mgg re;UaaraoJnnag sa3u113sgns Jo 31,X03 se pamr sa3ue35gns asog3 OJg „sa3ueisgns snopJezgH„ 'OZgdgJSgJed stq; ur pasn s' .mg-1 re311aaiuoJrnug ga9m a3UgpJo33g uc suo93e ietpamai I(J11ssa3aU jig 33111) Spdwoid (jells JaMOJJOg iossaaau si S3JadoJd 3q3 Sut33a3311 a3ug3sgnssnopJ11z11i-i Sur 3ouo13gTpataaJ Ja1(30 JO (11AOUI J SUR imp `S3uo1(3ng SJO311jn2aJ J0 i113uatuuzano2 Sue Aq pal3Pou 5! 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Ja /OJJ0g pu11p0JJaJsU11J3 Jo Nos Si Jamo1JOg 11! 3S0J03ui jopgauaq 1131 Jo)palJa35u19 Jo pips 59 31 111353133111 Sue Jo Spadom alp 3o 1Jgd Sue Jo 3i •aamoaaog 11j;saaa3ui jej3gauag 11 .10 Xaadoad aq; jo aajsueay •Li 'oz gd1JSg111d 5 i1(3 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 homesteadexemption 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 agreementsof each such rider shall be incorporatedinto 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 0 Condominium Rider n 1 -4 Family Rider El Graduated Payment Rider 0 Planned Unit Development Rider 1 1 Biweekly Payment Rider n Balloon Rider 1 1 Rate Improvement Rider El Second Home Rider 0 VA. Rider n Other(s) [specify] BY SIGNINGBELOW, Borrower accepts and agrees to the terms and covenants containedin this Security Instrumentand in any rider(s) executed by Borrower and recorded with it. Witnesses: STATE OF WYOMING, My Commission Expires: Feb. 26, 2002 ®6RIWY) (9212).01 MFWY8770 (4/97) 041 190392 -5 Page 8 of 8 SHAIN SABERON Teton County ss: The foregoing instrument was acknowledged before me this 7th day of April by SHAIN SABERON AND TARA SABERON, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES 144 (Seal) (Seal) Borrower Borrower 2000 (Seal) Borrower (Seal) Borrower Form 3051 9/90 EXHIBIT "A" 145 A portion of the Northeast Quarter of the Southeast Quarter (NE4SE1/4) of Section 1, Township 30 North, Range 119 West, 6th P.M., Lincoln County, Wyoming, being more particularly described as follows: Beginning at a point 2310 feet North from the Southeast corner of said Section 1 and running thence West 264 feet; thence North 330 feet; thence East 264 feet; thence South 330 feet to the point of beginning.