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Home My WebLink About977072This Document Prepared By: KESHA FERRIER WELLS FARGO BANK, N.A. 3476 STATEVIEW BLVD, MAC# X7801 -03K FORT MILL, SC 29715 #:8277377 First American Title 111111111111 !IIIIIIIIIIIIIIIiiIIpIIIpIIIp Loss Mitigation Title Services 1079.12 P.O. Box 27670 Santa Ana, CA 92799 RE: ROCK PR DOCS Tax/Parcel No. 3418- 064 -06- 066.00 [Space Above This Line for Recording Data] Original Principal Amount: $210,209.00 FHA/VA Loan No..1.1. Unpaid Principal Amount: $203,021.30 Loan No: (scan barcode) New Principal Amount $152,903.46 New Money (Cap): $0.00 LOAN MODIFICATION AGREEMENT (MORTGAGE) (Providing for Fixed Rate) This Loan Modification Agreement "Agreement made this 10TH day of MARCH, 2014, between RACHEL ROCK AKA RACHEL L. ROCK, A SINGLE PERSON "Borrower whose address is 275 BONNEVILLE ROAD STAR VALLEY RANCH, WYOMING 83127 and WELLS FARGO BANK, N.A. "Lender whose address is 3476 STATEVIEW BLVD, MAC# X7801 -03K, FORT MILL, SC 29715 amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument dated FEBRUARY 3; 2011 and recorded on FEBRUARY 9, 2011 in BOOK 762 PAGE 229, LINCOLN COUNTY, WYOMING, and (2) the Note, in the original principal amount of U.S. $210,209.00, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property," located at Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services 977072 6/18/2014 2:18 PM LINCOLN COUNTY FEES: $30.00 PAGE 1 OF 7 BOOK: 834 PAGE: 315 MTG, MODIFICATION OF JEANNE WAGNER, LINCOLN COUNTY CLERK I IIII II I1IIII 1III 1 1110111011 NI 1111111111 Page 1 7081 II IIIII IBI NIIIIIII 111111 IIIIIIII 275 BONNEVILLE ROAD STAR VALLEY RANCH, WYOMING 83127 the real property described is located in LINCOLN COUNTY, WYOMING and being set forth as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF: In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. Borrower agrees that certain amounts owed will not be capitalized, waived, or addressed as part of this Agreement, and will remain owed until paid. These amounts owed are referenced in the Cover Letter to this Agreement, which is incorporated herein, and are to be paid with the return of this executed Agreement. If these amounts owed are not paid with the return of this executed Agreement, then Lender may deem this Agreement void. 2. As of, DECEMBER 1, 2013 the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance is U.S. $152,903.46, consisting of the amount(s) loaned to Borrower by Lender, plus capitalized interest in the amount of U.S. $0.00 and other amounts capitalized, which is limited to escrows and any legal fees and related foreclosure costs that may have been accrued for work completed. This Unpaid Principal Balance has been reduced by the contemporaneous HUD Partial Claim amount of $50,117.84. This agreement is conditioned on the proper execution and recording of this HUD Partial Claim. 3. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender Interest will be charged on the Unpaid Principal Balance at the yearly rate of 3.2500 from DECEMBER 1, 2013. The Borrower promises to make monthly payments of principal and interest of U.S. $665.45, beginning on the 1ST day of JANUARY, 2014, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. If on DECEMBER 1, 2043 (the "Maturity Date the Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 4. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may require immediate payment in full of all sums secured by this Security Instrument. If the Lender exercises this option, the Lender shall give the 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 the Borrower must pay all sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the Borrower. 5. The Borrower agrees to make and execute such other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement. 6. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever cancelled, null and void, as of the date specified in Paragraph No. 1 above: Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services Page 2 708 IIII 11111 IIIIIIIIII 11 11I11II1IIII III (a) all terms and provision§ of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note; and (b) all terms and provisions of any adjustable rate rider, or other instrument or document that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. 7. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agreement, the Note and Security Instrument will remain unchanged, and Borrower and Lender will be bound by, and comply with, all of the terms and provisions thereof, as amended by this Agreement. 8. Borrower agrees to make and execute other documents or papers as may be necessary to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and inure to the heirs, executors, administrators, and assigns of the Borrower. 9. If included, the undersigned Borrower(s) acknowledges receipt and acceptance of the Notice of Special Flood Hazard disclosure Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services Page 3 708 11111011111 1111111IIIIII II III In Witness Whereof, the,Lender'have executed this Agreement. WELLS FARGO BANK, N.A. Mandible Zomatebi tUu Vice President it Loan Documentation 3- By (print name) Date (title) [Space Below This Line for Acknowledgments] LENDER ACKNEDGMENT STATE OF The instrument was acknowledged befor- me this !y/ by 11 9 1 /L,% 1 the of WELLS FARGO BANK, N.A., Vice rrregirh i t 1.nan Documentation a Vice President Loan oc imentation on behalf of said corporation. Notary Public Printed Name: My commission expires: THIS DOCUMENT WAS PREP RE BY: KESHA FERRIER WELLS FARGO BANK, N.A. 3476 STATEVIEW BLVD, MAC# X7801 -03K FORT MILL, SC 29715 Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services COUNTY OF 5t 2J) Page 4 708 11111 11011 10 II In Witness W Borrower: Borrower: Borrower: State of >j1- 12, -)'14 County of Witness my hand and official seal. (Seal) My commission expires: executed this �Borro' er: R CHEL OCK AKA CHE The foregoing instrument was acknowledged before me by RACHEL ROCK AKA RACHEL L. ROCK this 3 day of %7 :200 iiITE OF -fe2'si G Notary Public O ��Z Printed Name: l>v f/ l V//3//‘ Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services ement. L. Date [Space Below This Line for Acknowledgments] BORROWER ACKNOWLEDGMENT C01.14' Y Page 5 TIAP 201. 708 110 Date Date 1[ II BORROWER(S): RACHEL ROCK AKA RACHEL L. ROCK, A SINGLE PERSON LOAN NUMBER: (scan barcode) LEGAL DESCRIPTION: LOT 46, OF STAR VALLEY RANCH PLAT 21 AS PLATTED AND RECORDED ON OCTOBER 22, 1982, AS RECEIVING NO. 586332 IN THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING, AS PLAT NO. 284. SUBJECT TO RESERVATIONS AND RESTRICTIONS CONTAINED IN THE UNITED STATES PATENT AND TO EASEMENTS AND RIGHTS -OF -WAY OF RECORD OR IN USE. TOGETHER WITH ALL IMPROVEMENTS AND APPURTENANCES THEREON. ALSO KNOWN AS: 275 BONNEVILLE ROAD STAR VALLEY RANCH, WYOMING 83127 11111!11111 I 1 111111 III ROCK 48706475 FIRST AMERICAN ELS MODIFICATION AGREEMENT IIIIIIII 111 11 1111111111IIII11111111111111I II I II I I IIIII 1 III WY Wells Fargo Custom HUD Loan Modification Agreement 03022014_77 First American Mortgage Services EXHIBIT A YVHEIV RECORDED, RETURN TO: FIRST AMERICAN TITLE INSURANCE CO. 1100 SUPERIOR AVENUE; SUITE 200 CLEVELAND, OHIO 44114 NATIONAL RECORDING Page 6 708111 01 Date: MARCH 10, 2014 Loan Number: (scan barcode) Lender: WELLS FARGO BANK, N.A. Borrower: RACHEL ROCK AKA RACHEL L. ROCK Property Address: 275 BONNEVILLE ROAD STAR VALLEY RANCH, WYOMING 83127 THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES. Receipt of Notice. The undersigned hereby admit to having each received and read a copy of this Notice on or before execution of the Loan Agreement. "Loan Agreement" means one or more promises, promissory notes, agreements, undertakings, security agreements, deeds of trust or other documents, or commitments, or any combination of those actions or documents, pursuant to which a financial institution loans or delays repayment of or agrees to loan or delay repayment of money, goods or any other thing of value or to otherwise extend credit or make a financial accommo RACHEL ROCK AKA RACHEL L. ROCK Borrower Borrower Borrower Borrower Borrower NOTICE OF NO ORAL AGREEMENTS 03022014_77 First American Mortgage Services Page 7 708 IIII III IIBII II Date Date Date Date Date