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HomeMy WebLinkAbout979889Return To Bank o f the West Post Closing 13505 California S t. NE- BBP -LL-P Omaha, NE 68154 979889 12/30/2014 3:10 PM LINCOLN COUNTY FEES: $36.00 PAGE 1OF 9 BOOK: 845 PAGE: 640 MORTGAGE Lorrena Navarro JEANNE WAGNER, LINCOLN COUNTY CLERK 13505 California S t Omaha, NE 68154 Prepared By: State of Wyoming 8861606449 FHA Mortgage with M ERE WY VMP Wolters Kiev/ or Financial Services 1 IIIIIII IIIIll lIII IIIIII IIIIl 11111111111111111111111111111111111111111111111 !Space Above This Line For Recording Datil MORTGAGE THIS MORTGAGE "Security Instrument is given on December 2 9 2014 The Mortgagor is KENNETH COLE SEIMMIN, A S SOLE OWNER FHA Casa No. 591 1320462 -703 MIN 100104088016604496 "Borrower This Security Instrwnent is given to Mortgage Electronic Registration Systems, Inc. ("MFRS (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns), as mortgagee. MERS is organized and existing under the laws of Delaware,. and has an address and telephone number of P.O. Box 2026, Flint,.MI48501 -2026, tel. (888) 679- MERS.Bank o.f the W est, a California state banking corp. "Lender is organized and existing tinder the laws of The 5 t a t e of Ca lifo rn i a and has an address of 13505 California St, NE- BBP- LL- P, Omaha, NE 68154 Borrower owes Lender the principal stun of OneEundred Thirty S even Thousand Four Hundred Sixty Four And Zero /100 Dollars (U.S. $137,464.00 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the fall debt, if not paid earlier, clue and payable on J a nu ary 01, 2045 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 convoy to MBRS (solely as nominee for Lender and Lender's successors and Initiate. 7 800.1060448 Revised 4192 Amended 2101 VMP4N)WY) (1802) Page 1 of 9 assigns) and to the successor's and assigns of MERS with power of sale, the following described property located in Lincoln County, Wyoming: LOTS 5 AND 6 OF SOUTHLAND PARK TO THE TOWN OF DIAMONDVILLE, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. MANUFACTURER'S SERIAL (S /V IN (S) 5219 HUD CERTIFICATION LABEL #(S) ID 088619 IDA 088620 MANUFACTURER NAME GUERDON TRADE/MODEL 11101 DATE OF MANUFACTURE 10 /23 /86 "WHICH I S AFFLXED AND ATTACHED TO THE LAND AND I S PART OF THE REAL PROPERTY" "PURCHASE MONEY" Parcel ID Number: 1221162530403000 which has the address of 1137 COAL CREEK AVE [Skeet] DIAMONDYILLE [City], Wyoming 83116 lzip Cade] ("Property Address 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 understands and. agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for Lender and Lender's successors and assigns), has the right to exercise any or all of those interests, including, but not limited to the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Security Instrument. 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. 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 roal property, Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS, 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when duo the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2, Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development "Secretary or in any year in which such premium would have been recpiired if Lender still held. the Security Instrument, each monthly payment shall also include either: (i) a stun for the annual mortgage insurance premium to bo paid by Lender to the Secretary, or (ii) a monthly charge instead Qf a mortgage insurance premitun if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary,. y,. these items are called "Escrow Items" and the sums paid to Lender aro called "Escrow Funds." 0001060449 FHA Mortgage w IIh MEAD WY VMP W Wolters Kluwer Financial Services Initlelu: 0601060440 Revised 4199 Amended 2101 VMP4N(WY) (13021 Page 2 of 0 80 FHA M engage W Ilh AIMS WY VMP 0 Wolters Kluwer Flnenclel Services Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real .Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq, and implementing regulations, 12 C.F.R. fart 1024, as they may bo amended from time to time "RESPA except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts clue for the mortgage insurance premium. If the amounts hold by Lender for Escrow Items exceed the amounts permitted to be ]sold by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA, The Escrow Punds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's account shall be credited with tho balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has sot become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower, Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c), 3. Application of Payments, All payments under paragraphs 1 and 2 shall be applied by Lender as follows: First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premiutn; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance preinlums, as required; Third, to interest due under the Note; Fqurtl, to amortization of the principal of the Note; and Fifth, to late charges due under the Note, 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires, Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All Insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form aoeoptable to, Lender. In the event of loss, Borrower shall .give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first; to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property, Any application of the proceeds to the principal shell not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change tho of such payments. Any excess insurance proceeds over an tunount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instruunent or other transfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 13801360.149 Revised 4/95 VMP4 Amended (1 1302 Page 3 of 9 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall ocoupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shall continua to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause tmdue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower' s control, Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and teat excepted. Lender may inspect the Property if the Property is vacant or abandoned nr the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be iu 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 the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged runless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in commotion with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument, Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instruunont, first to any delinquent amounts applied in the order provided in paragraph 3, and. then to prepayment of principal. Any application of the proceeds to the principal shall not extend. or postpone the due date of the monthly payments, which aro referred to in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower. and Protection of Lender's Eights in the Property. Borrower shall pay all governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay wotild adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing those payments. I'f Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Seouirity instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay 'whatever is necessary to protect the value of the Property and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2. Any tunounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this •Seotuity Instrument. These amounts shall bear interest from the date of disbursement, at the'Note rate, and at the option of Lender, shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority 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 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 agreement satisfactory 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, 9001880449 FHA M ollgoge W Ili MFRS WY VMP 00 Wolters Kluwer RowelaI 0ervlces InItIale: 8001880449 HeVlsod 4190 Amended 2101 VM P4a(WY) (1302) Page 4 of 8 S. Fees. Lender may collect fees and charges authorized by tho Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary, in the ease of payment defaults, require immediate payment in full of all sums secured by this Security Instrument if: (1) Borrower defaults by failing to pay in fitll any monthly payment required by this Security Instrument prior to or on the due date of the net monthly payment, or (ii) Borrower defaults by failing, fora period of thirty days, to perform any other obligations contained in this Security Instrument, (b) Sale Without Credit Appt'oval. Lender shall, if permitted by applicable law (including Section 341(d) of the Garn -St. Germain Depository lnstituti0ns Act of 1982, 12 U.S. C. 1701j -3(d)) and with the prior approval of the Secretary, require immediate payment hi Hill of all 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 er 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 pertnit 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 Ht)D 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 and foreclose if not paid. This Security Instrurment does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if. this Security Instrument and the Note are not determined to be eligible for insurance under the National }-lousing Act within 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 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 insuranco premium to the Seoretary. 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 Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees 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 permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years itnmediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreolosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 8801888149 FtrA Mortgage with MERS WY VMPgo Walters Kluwer Financial 8ervlCes Wale; 8801880449 Re6lsed 4.108 Amended Vol s VM P4N(WY) (1202) Pap 6 of 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment of 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 successor in interest. Leader shill not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the suns secured by this Security Instntment 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 exeroise of any right or remedy. 12. Successors and Assigns Bound; Joiut 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 9(b), 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 tender the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Seottrity 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. Notices. Any notice to Borrower provided for in this Security Instrument shall 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 address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deerued to have been given to Borrower or Lender when given as provided in this paragraph. 14. 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 Instrument or 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. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and 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 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 auy governmental or regulatory agency or private party involving the Property and any.l;Iazardous 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 Substances affecting the Property is necessary, Borrower shail take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, Iazardous Substances" are those substances defined as. toxic or hazardous substances by Environmental Law and the following substances: gasoline, .korosene, 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 16, "Environmental Law" means federal laws and laws of the jurisdictiou'where the Property is located that relate to health, safety or environmental protection. 0001660440 0001660440 FHA Nort6aOewith MERS •WY Raalsed 4100 NIW Amandad 2101 VMpe9 t VMP4Y)(1002 se Wolters Kluwer Flnono101 waes 1911121s: 0 or NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property, Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the runts to Lender or Lender's agents, However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower, This assignment of rents constitutes an absolute assigmnent and not an assignment for additional security only. if Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of tho Property; and (c) each levant of the Property shall pay all rents due and unpaid to Lender or Lender' s agent on Lender' s written demand to the tenant. Borrower has not executed any prior assignment of the runts and has not and will not perform any act that would prevent Lender from exercising its rights tinder this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may livoke 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 18, 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 13. 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 (e) any excess to the person or persons legally entitled to it. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires Immediate payment in full tinder paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 "Act (12 I7.S.C. 3751 et seq,) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Noticing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph 18 or applicable law. 19. 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. 20. Waivers. Borrower waives all rights of Homestead exemption in the Property and relinquishes all .rights of curtosy and dower in the Property. 2.1. Riders to this Security Iustrunreut. If ono or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants 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 Instrt neat, [Check applicable box(es)), Condotninium Rider n Growing Equity Rider Other [specify) Plaimed Unit Development Rider Graduated Payment Rider 8801080040 .FHA M.orl0ago with M E S WY Vb1P0➢ IN ohm I(IUwer FNonolal eervICea 6601660448 e.1 4l86 VMP4N(W Ye(1302) 1 1611121.; pagel BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it, Witnesses; JX Y1 NZA4 bCZL (Seal) KENNETH COLE S}3IMNII.N Borrower (Seal) -Borrow (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 0801680440 8801660448 FHA M engage with M ER8 WY Revised 4196 Amendad 2101 Wo l le rsMuwarFlaanclalServIcee VMP4N(WY) Inlllala: Pe0a B s1 STATE OF WYOMING, This instrument was acknowledged before me on December 2 9 2014 KENNETH COLE S1UMr IN My Commission Expiros: 6 IOW 11 '1 800i 060449 FHA M o`tgage kith M ERS WY VMP 09 Wolters Kluwor FInanelol S9rvlces JENNIFER KR.AL. NOTARY PUBLIC COUNTY OF LINCOLN STATE OF 1NYONI IN O Y COMMISSION EXPIRES MARC 8 2017' L.2% n ctl n County ss: by Notary P 1p Title (nn ..1iak) Loan. origination organization Sank of the W es t, a California state banking corp. NMLS ID 19116 Loan originator Greta Wolfe NMLS ID 119882 8601606449 Wood 4/96 Amended 2/01 7 VMP40(WY)(1 Initials: Page 9 of