HomeMy WebLinkAbout891030Remm To'
D~OOl, III413TO~, ~ h5435
891030
RECEIVED
LINCOL!',.I COUNTY OLERK
', BO. OK~'~'~ PR PAGE 8 i 3
~gloloooo
__ ~i3~c A~ ~ L~e For ~or~
MORTGAGE
NO~CE: T~S LOAN IS NOT ASSU~BLE
W~HO~ THE APPROVAL OF TIIE DEPARTMENT
OF VETE~NS ~FMRS OR ITS A~HO~ZED
AGENT.
F~,rm 30;1 1/nl
P~yl~ ~ t~ ~Y ~ debt ~ ~11 not ~o' ih~ ~Y 01, 2033
~y."
~ 'Lo~" ~s ~ debt evtde~ b~ ~c N~c, pl~ ~,t, ~y
~dore =em be ex~t~ hy Bun~wcr lc~k ~x = ~a~ble]:
~ PI~ Unit ~elnp~t ~
(1~ "Applicable Law" m~u{ ~11 couLtolliug applic~le ~[~, ~c .,,d 1~ s~, ~g~a~o~.
O~eS ~ ~hfisu'~v= ~c$ =d o~m (~ ~ve ~c =ff~t of law) ~
c~g~ ~ am itched on Bo~ ~ ~ ~Y ~y a ~o~ =~iatiou,
as~iafi~ or s~ o~°U:
~k, d~ft. or ~ ~ ~t, ~l~ ~ ~ ~ ~ ~c mn.i~, tcl~h~e
~m, ~' or ~n~e ~ ~0 ~ ~ ~d~r, ~et, or autho~ze a ~ ~mfioa ~ debit
0,) "~~ ~" ~na ~ go~ioG, ;~a~ award
~ my ~ird ~ (oil~c~ ~ ~e pfo~ P~ I1~ ~C ~VC~A~
. ~e m, t'~ d~on of, ~e ~op~y; (ii) ~a~mfiou ~ o~ ~g of all or
~o~; (lB) oonwy~ m ~{~ of ~ad~ou; ~ 0v) ~ut~do~ oL or ~ao~ ~ m, the
{O} ,'~A" ~ the Rc~ ~$~ Setfl~ut ~urm A~ (12 U.S.C. Sa~oa '~1
~le~nli.g ic~oa, R~ X (94 G.d.R. P~ 35~), ~ ~Y ~t
w a "r~y ~la~ m~e lorn" c~=, ff ~c ~ d~ not ~ as a
Io~" =~r ~A.
F=m ao61
8!,5
(p) "~or ia Imevp~t nr llurr~wer" me~ns any party that ~ t~,~ ~i~1- u', thc l~oi:,c~, wlxeth~r or
not tlq~t party l~u~ aasu~a~l Borrower'~ obligatio~ ulld~r ~l~c Not~ i~tld/or thia Sect~tilty lll~roxx)~1.
'rRANSTI~R OF RIOI'ITs IN THE PROPSF-TY
'rA~ $ecurlty Ins,nf,,,e,a secures to Lender: (t) the v~yment nC fl,~ Loan, mtl all renewak, e~en~oas and
mixlificafion~ of ~¢ Hole; mci (It) the perfi.,.a~ of eotwwer's eovemanU sad a~'eemenu .,,jder this
Security h~tmmem and ~he N,le. For ~{s purpose, b~orrower does hcrrt,y mortgage, gra~ ~nd eoavey ~o
Lender ~41 f~tcr'a ~ccc~aors and ~saiga~, wt~ pope,' ,',f -qlc, ~hc fotlowin~ describea propcnwy lamea
hx the ~0~ of L:~OLN :
[Name of R~ording I,~tsdicfionl
X~OT ~ OF ~13~ EL-J~N ESTAT~ TO ~]~ ~O~ OF THAYI~E, ~aI~OL/~ CO~]]~f,
WYOMING aAS D~$CKI~D O~ T~g 0FPZCIAL p~T THOLe01'.
~O~ 10304~ DEg MOIlqES, IA §030~030&
wb~:l, cur_r'catly I;u~a the address of
Parcel ID Number:
? ~r, a'sk~ roy) , Wyomin~ s3x27 ['zip
('Property Addte~'):
TOGETHER WITH all the impt~vcmcnts trow or h~Mier et"ecte~ ~n, fl~c piOPctty., trod all
e~semenls, apImngnzu~-'es, and fatnn-~ now et heve~er · Fx~t of the properey. All repl~eemems
· ,dditions ~hall al~o be cove;ed 10y ~hls Y, ccurit~ Instntmcm. All of the fox~eing is refer~ lo in this
~carity mnnment ~ the
RORROWI~I~ COVENANTS that 8ortou~ex is l~wrully sci$cd of the e~ltte hex~oy conveyed and
the right to mort~ge, grani ~ ctmve~ d~e Pxopc~ ~md that the Property ~x ,mmcumbcrrat, exoept for
encumbtlmce~ Of record. Borrower warra~t~ and will defend ge~,=~ally the fide to the Property ~g2inst ~11
d~tms and d~mand~. ~xbicet to any encumbrances .c record.
THIS SECU~I'I~ rN~TRIIMENT ¢ombinc8 uaitbrm eovet~u lot ,,,,,fional u~c ~nd ~n mlifctm
¢ovenant~ wi~ I~mittd viai~fio~ by .jlri~diC'l~Oo to ¢cmsdtute. u.iform ~curiW instrnnaenl covering
property.
UNIFOKNI CO'V~,NANTS. Borrower ~nd Lend~- covennm a~d :T.r~= as follows:
1. Payn~uL of Prb~dpal~ l~t~'~st, ~re~ Tl.,,~, Pr,:paTmc.t .Chnr..~s, msd L-m
Buu~wcr shall p,,7 when due the prb~,:ipal of, ~d kitcre~t o~, ~e d~b[ evh~,~od by thc Not~ [md may
Bnrt,,~er ~all al~o pay fu~cts fez ]~,crow ;hems
prepayment cllarges and ]ate ~haxl~cs due und~ tae No~. .
pursuant to 8octio~ 3. payments due under t~e. Note and thia Security Instrument slbsll be made i~ U.$-
currcllc¥. B ow ever, if my ch~, :k ,,, o t hex i~u-ument receive~i by Lemler ~,~/~h. Note eT
~e~m10)1 1/01
8.! 8
p~ ~e ~ ~ivcd ~ ~ when r~ived mt ~e }~ti~m ~si~cd ~ ~e Nog or at
~ o~er loc~u ~ ~Y ~ d~i~g~ by ~ in ~f~ wi~ ~e noti~ pm~o~ ~ ~Ron 15.
~u~r ~V rc~ ~Y psat or p~vti~ p~t if ~c pa~t or p~ p~Y'[~ ~ ~cient
pay~ ~ ~ ~, ~[ ~ is ,~t °bllg~ to nppiy ~cA p~{s at ~c t~ ~h
~ied. If e~b Pc, iodig pay~ i~ ~gd ~ of its ~,~ ~c ~e. ~ ~d~
· c ~ c~t- If ~ow~ ~c~ not do so wi~ a ~n~hl~ l~t'~ of ~, ~ gh~ ~ a~ly
pfi~ b~ ~er ~ N,,~ h~cd~Y p~or to towline. Nn offs~ or ~ w~ BoHower
p~ta gc~d ~ ~i~ },y ~d~ ~h~ be ~1~ m ~e fo~wiug o~' of p~o~iw: (~) mie~t
d~ ~d~ ~ Nora; 0'J) p~dP~ due ~der ~ Note; (r.) a~ ~ up~ S~Oon 3, SU~
~ to ~!,~ ~ ~P~ b~mca of ~e Note
~ ~nder ~iv~ ~ pa~x ~m Boffo~ for ~ del~q~ ped~ic Pay,~ wh[~ ~ud~
bom go~ to me T~ny~L uf ~C P;~ Pu~U ~' ~ m th~ =~gnt ~. ~ pay~t
p~d ~ ~11 T,, ~c cx~t ~g my e~g e~s ~fler ~ p~yBg~ il ~pli~ to ~ ~R ~ ,,[ one or
,,.~[~ P~fio~ Pa~g, m~ e~ ~y ~ aPp~ ~ ~Y I~e ~g~ 4~- V,,I,,,,~7 p[~a~t~
k ~pli~ ~ ~ ~Y pr~a~gg ~ ~ ~ ~ d.~b~ h Ik Nog.
3. k~ {or F~w I~. Ba~ow~ s~ p~Y ~ ~,1c~ on ~c d~ ~fi~c Pa~s ~c duc
tmt~ ~c Nog, ~ ~e Note ~ prod i~ ~ll. a ~xl (~ "P~") to pro~ for p~t
fen (a) t~ ~ ~na ~ ~r i~cma w~ ~ ~a pfiodty ov~ ~is S~ ~S~t ~ a
~ ~r ~y md ~ ~ rat~r~ by ~er ~ S~n 5; aaa (~ Mogg~
I~." At ofi~nat'o~ or al ~y th~= d~ ~c ~ of ~e ~. ~lm lmy ~ ~t
~ p~d ~ ~ Se~- ~.wet' ~ pay ~dor ~ Fun~ for F~c,'ow lte~ ~; ~d~
Bo~w~'s nhlig~uu to pay ~c ~ for ~y or all E~ l[~, ~t may w~ve
obligation to pay Io ~d~ ~ f~ any .r ~ Es~w I~ ~t ~y ~- any s~ w~vcr
~ ~g. ~ ~e event or x~ w~v~. ~ew~r ~h~n pay d~lly, wh~ ~d wh~ pay~le,
8i7
ch~ for any E.~erow Rems for which p~ymcm of Ftm& hm be~ w~v~ by ~ ~, if ~ ~,
~om~wcr's obllg~o~ to ~e ~h padex ~d ~ ptovidc ~ip~ sh~ t~r ~ pu~ ~ ~
~owet t'~Ls m pay ~e ~t ~c for ~ ~cmw lt~, Lender ~y exem~ ~ Lieu ~dcr ~n
~ p~y ~a~ ~o~t ~ Bo~wer ~I ~ ~ ob~ga~ ~d~r ~on 9 ~ r~ly to ~ any
~t. ~ ~Y ~o~ the w~v~ u ~ ~ ~ ~ ~ow Ite~ ~ my d-~ hy a ~ti~ giv~
~cor~e ~lTh ~ou 15 ~ upon ~uoh r~ai~, ~,.~wc s~ pay to ~d~ ~i ~s, ~
arch ~lo~, ~t ~ ~ req~r~ ~der this ~ioa 3.
~cr ~y, at ~y rime, ~ll~t ~ hold ~ m m ~unt (~) su.~cleat to ~t ~der to
law.
~c ~u~ ~h~l ~ ~hl hi ~ i~6tution who~e d~osl~ ~ ht~m'~ by a kd~ ~ncy,
insanity, of cnti~ (~lud~ ~, if ~d~ i~ m~ ~6on who~ ~sits ~ so ~w~) ar in
~ ~ ~.~a. ~d~r sh~ n~ ~ge Bo~wer far hol~tg ~d ~ly~ ~e ~'un~, ~Y
or Applicable I~w r~ ~r to be pa~d on ~ ~m~, ~udcr ~1 not ~ re~ to p~y
Bo~wer tar ~he exes fuu~ in ~ord~ ~ R~A. If ~ ~ a s~ of Fu-~ h~d m ~ow,
~er ~e ~o~t ~-~ ~o ~c ~ ~c ~o~e m ~¢co~ wi~h RESPA. b~ ~ no ~ ~ 12
noti~ Bo~w~ ~ ~ by ~PA, m~d Bo~owcr ~ pay to L~ ~c muo~ ~ m
~ ~ d~i~ ~ ~um~ ~ ~A, Out in no ~re ~m~ ~2 n~y pa~.
Upon ~n~t ~ ~ of ~ ~ ~ by th[~ ~ ~t, ~ sh~ p~flY
~ ~cr ~y ~ ~ld by ~k~.
~. ~a~; ~- ~aow~' sh~ pay ~1 t~, ~s~$~m~, d~mg~, ~, ~d
~bu~ble ~ ~e Pml~ ~i~ ~ ar~ ~o~ ov~ fids S~y ~t, le~old pl~nt~ or
Bo~wer: (a) ~ees m
w~ c~ ataia pfiofi~ ov~ ~s g~un~ I~n~t, ~' ~Y ~vc Bo~ow~ ~ aoa~ ta~tyi,,s
1 I01
8!8
llcn. Widain 10 dayl of~e d~te on which Lh~a aotk¢ h ~iv~, l~ntow~r shslt saddy ~,c 1~ or ~ onc or
mo~ of ~e ~io~s ~et for~ ~c ~ ~ Se~on 4.
~ troy ~c ~ao~'er ~ p~ ~ ~c ~gc for a ~a ~e t~ wfifiL-~on m~or
~n~ s~ice ~ hy I~&r m co~on wi~ ~
o~er batiks ~u~g, b~ a~ 1~ [o, e~a~ ~d floo~, for wM~ ~er r~s
~der tequ~- ~a Mu~cr r~c~ p~au~t to ~e pr~ing ~tcu~ ~ chile d~g ~e
~e ~, ~c ~ c~er prov~ thc imm-~ ~ bo ~ By ~wer ~fl,j~ m ~r'~
fi~t to ~s~pmve ~ow~'~ uM'ic~, w~ch ~ ~ not ~ ex~s~ ~cmo~ly. ~der
r~o, Rn~ow~ ~ pay. ,~ ~e~l~ wi~ ~s l~m., ci~c~ (a) ~ one t~ c~e for fl~
~I~i~, ~on md ~i,,g ~iccs; or ~) a o~~ c~gc f.r ~ood ~nc
re~ly ~t ~t ~ ~m~ion ~r ~cadon. Bo~ ~l ~w ~ ~pomiblc for
pa~ or' ~y f~ ~1 by &c F~ ~e~y Mmagr-~.L AgenCy ~ ~fion
pm~ ~c ~ ~t of coverage. ~c[orc, ~ch ~v~e shal cov~ ~a~, hut n~$ht or
~owl~Ic~ &at me co~ of ~ i.~ ~v~aze ~o obt~ ~l ~i~ifi~tly cx~ ~ cog
a ~c ~om ~ ffo~ ~ ~l~ of ~b~ m~ ~ ~ payable, ~i~ m~ int~, upon no~
~nder m ~wct' ~g P~'
mong~= ~ m ~ ~ Io~ pay~. I ~ ~gl Mvc ~ ~hr to hold the ~lki~ ~d
~w~ ~$. lC Bmi~cr o~ my fo~ of m~.r~,,cc ~c, ~t o~se r~u~d hy
~ ~nm~ ~M~ ~ ~g~m md/or m m ~di~o~ loss ~y~.
In ~ ~vca o~ losa, Bo~er sh~ give p-.~ ~ to ~e ~e c.~ ~nd ~'. ~dcr
bc ~pli~ to ~tor~ou or r~r of ~hr PFo~Y. ~ ~ ~ou or ~str ts ~ai~Y fc~le ~d
hold m~ ~'~ Pm~ ~6i L~ has {,~ m op~W to ~ s~ Pr~y ~
~s ~t~i ~ ~ p~d ~ ~ ~m~ pm~, L~ sb.ll .or ~ ~ to pay ~ower ~ny
~ or ~nd.is on m~ P~. Fe~ ~r lmh~ a~tc~, or o~r ~ pt.t~.
8i9
cxcc~$, if any, pa~a to Borrower. Such Lu~urancc proeeeds shsll be
S~uOn 2.
cl~ ~ relaed ~ne~. If ~wcr do~ not ~ ~- 30 ~ys to a nofi~ ~ ~ ~ ~e
~od wi~ ~gm ~h~ ~e nuLi~ ie gym. I~ ei~ ~e~ or If
~i ,- g2 or o~oe, Bo~o~r ~mby sssl~ iu ~dct (a) Bo~w~'s
p~ in ~ ~ ~t lo e~ dl~ m~ts ~p~d
pay ~nnnm ~dd ~ ~c Note or ~ S~ In~mmm~ w~ or ~t ~ d~.
Frop~y m Borrower's P~ ~e~d~ for at I~qt one
o~ ~re~ ~ Wd~, which ~ ~l not ~
c~~-~ ~xiat whi~ ~c bey~d Bo~W~'s control.
o~ to pr~t ~e ~o~y horn dagiorat~g or flec~iug
~tem~ pu~.~.t to S~tion 5 ~a repat ~ r~t~ ~ l~ot ~n~ty I~ible, B~w~ xh~l
p~.pfly mp~ ~C Pr~e~ i~ d~sg~ to avoid h~cr de~omion or d~age- If ~ or
con~tion proceea are paid ia co~on ~a d~ge ~o,
~al ~ ~la.~$~lc for r~ar~ or restoring ~e ~ny
pm~ pa~t~ ~ ~ work ii ~le~. If ~e i~
m ~ m rcgo~ ~c P~, Bo~wa i~ u.t ~ of ~owet's ~lt~n r.r fl~e ~l~on of
~ ~r or rear.ion.
~.der or ia agcm ~Y ~e ~onable e~m utm ~ ~om of ~e ~p~,l. If it h~
8. ~w~i Lo~ ~pp~tion. ~a~I ~hall ~ ~ dcfa~t fi, ~ ~e [nan ~l~on
~owt~ge or con*~ gaw ,,~ddly ~sc. msl~, or m~a~,am ~tion or ~ate~ to ~der
~ ~ Bom~wer's p~cipd
~. ~ot~ ar L~d~'S ~e~ iu thc ~ end
~om~l of a li~, who ~ ~m pnm~ ov~ this ~uri~ Immt
~lwdt~[$). or (c) ~w~ h~ ~mdoneg ~ P~, ~m ~ mY ~o ~ pay for whamva is
,he P,o~. ~'s ~om cm ~cln~, but ~ no[
~ich h~ p~ over this ~i~ I~; (b) ~ in u~; ~d (c) p~g ~'
ao. ofacyd ~ to profoot l~s int~'eat ia ~e Property re.lA, dghta tmd;r ~ Sc. curi~ Iastru~nt, iacludm8
rm or [~fr. Although L~rlllgr rally take action ullile[ RI. is Si,c/ion. 9, lzndur do~
ur~r any d.ry or nbligatiou tu do ~o, It is a~ro:xl flint l~acior inmm; n~ li~biflv/ for ra~! t~ki.g all), or all
aGtlog.~ allthoft/.g~ ~ tlLt£ Sec. dHn 9.
Any all~ouata disburser by L~ader under Ih.Lq .qctalop 9 shill k~zon~
{~U. fe~ by lids ,q~:~IU'iI~ ]nglt'~nc~t, TheGe al~u~tnt~ ~ l:~sl' mlel~l aL ihe Notc rotc fr~m thc d~te of
&icbur~en~m ;t~L ~hnll b~ payable, with ~uch int~rc~ upon notice imm l.~na~r t~ P~rmwer rtxtuc:~ti~
It ~hi.~ i~cuxity In~muncnt i~ on a l¢~otct, l~nowe~ $~11 c.~mply with
~adc~ ~ to &c merg~ m w~. ·
pr~usly pmvid~ ~ ~ ~ Bo~o~ w~ r~ to ~e srpma~ly d~i~
tow~ ~e pr~umu tm Mo~g~C ~rmcc, Boaow~ ~ ~ay.~ p~min~ ~q~ W ob~
~iw~t ~ ~c ~[ to Bo~wer 01 ~ Mo~gage ~tz t.~vi~ly ~ cftC, ~ ~ ~te
av~le, ~o~w~ ~1 c~ue io pay to ~ ~c ~u~t o~ m ~ly d~ig~
wctc duc wh~ ~c ~co ~v~ge ee~ to I~ i, cff~. ~dct ~
payers as ~ u,,,~:~lc ~s ~e~o ~ li~ of M~ ~snran~. Such
n~ ~le, n~t~lh,g ~c f~t ~at ~ ~ h ~Y prod ~ ~, md J ~ ~ uut be
~ W pay ~w~ my ~ter~t or e~g~ nn ~h loa~ i~c. ~ c~ w t~ger ~.1o~
~e~e paganin if Mol ~g~c ~ ~v~age (m ~e ~ou~t ~ for ~ 1
pro~d~ by m ~er ~J~ by ~d~f ag~ ~ ~l~le, tS o~ed,
pay~ ~w~ ~e pre~ fi,r Mong~c ~C, Borrower ahall
n~ M~aIe ~ ~ eff~, or In [,mvidc a ~n-~le
~ pm~g for sut. h m~u o~* ~ ~o~ i~ ~m by A~lic~[e
S~i~ 10 aff~ B~ower's o~hga~ m pay int~C ~ ~ tat; pm~d~ ~ ~ N°~.
Morgue ~ers ev~hiNIc a~ totg ~ on ~ a~ ~ce ~ fO~ ~om li.~ ~ ~, ~d ~Y
~ ag~. 'i~e ~e~r~ m~y ,~ukc ~c mo~gagc ~er m ~e pa~t~ us~ any snu~
~ pr~).
~ a ~t of ~e a~uu, ~, any p~ of ~ Not~, ~o~ ~, ~y re~u~.
exchange [u~ ~g o: ~{ ~ mo.g~e ~'s ~sk~ ,,r ,~c~ los~.
(a) ~ s~h agr~,~ ~ a~ ~f~ t~ ~o~ ~at ~ower h~
~g~ ~ce~ or ~y o~ t~s or Ibc I~. Such ~~ ~ ~t ~ l~ smmmt
Bo~W~ ~ owe for Moag~t ~c~ ~d ~ ~ ~t ~ ~w~ re~d.
821
(b) .~ny .tach aj~cimmt~ will not ~ffrect the r~shtS Borrower
Mo~c ~c~ ~d~ ~ ~nn,~s ~t~on A~ of
tony Incl~c ~ ~t to r~e ~in ~.r~, to r~
~o~0 ~e, to Imve ~c ~gagc ~ee ~t~ mm,~ti~, ~d/or ~ r~ve a
~tlnn.
11. ~f. '[ ~s~us ~oe~ Fo~.
If Ihc Pt'o~ ~ d~, ~h M~eeI~S ~ ~ ~ app~cd lo ~tor~fi~ ~ ~ of
o e ~ ~e T~tm'~On Or r~r iS ~nO~Y ~ible ~nd lind~'~ a~ ii not l~e~.
~e ~ p ~, ' .... · .... ~-- -~ Mvc ~e fi~ht tO hold ~h M~'~llm~s Pr~
.......... o ~ ach ~ lo
~u~ ......... ~.. ~ ,,.a~x~=~ oro~Y.
Lear's ~flsf~fiuu, Vf~la~ mat ~ ms~uu~. .......
cou~l~, ~ ~ ~t i~ ~e ~ writing or A~Bcablc ~w r~ ~t lo b~ paid on such
. t be ~ ~o pay ~owcr
MCr ~1 DO ~ ' c"s
~ Or Tttl ~n duc, ~ ~ ex~sg, ~t ~y, ~
~pli~ ~ ~ ~rd~ pmvi~ for ~ S~io~ 2.
~ ~c ~ of a ~ ~tnE, ~giua, or loss ~ v~ ot ~e ~, ~e Mis~ll~
~e e~, i~ any, ~d ~ ~wcr.
h ~e ev~ o~ a p~l vn~ng, ~s~don, or loss ~ v~
m.o~t of ~ ~ ~ ~ely ~rom O~ pm~ t~, ~tmcti~, or losl
~n~ln~ ~-~-/~ dcfiB~ h ~e next o~ce) O~Lr~ .... · ...... , ---a~ :. a~O~
~d ! ae M~cell~us Pn,~i ~ t~
Bom,w~ ~ ~ ~ ~fnuh it' my ~on or pr~g, wh~er civil or cfi~,
~nd~'s j~d~t, muld c~t ~ fodci~e of ~e P~
~ in ~e P~ or fi~ts u~er ~is 3~iW I~~t,
nny aw~fl or c~ for d~ fha ~e s~abl~ m ~c ~nt of ~'s ~r~
~ ~e~ a~ ~1 ~h~ ~ paid to ~.
~lim[ in ~c o~cr p~vi~ ~t ~ S~n 2.
~"~ ~ 3051 1t01
· ~- ~ '"~.~ '.' . ... ......: .~ .... ~ ~ bv ~i ~nty i.~cnt ~ uy ~
to ~f~'ow~ ~ ~Y SucCor m ~
or ~y ~a~m ~ ~t~st of ~ow~. ~de.r ~,11 aot ~ ~ to co--rice pr~i~
~y ~cc~ ~ ln~t of ~ow~ or to rede Io e~end ~ fu~ pa~t or o~ce
~ion of ~ ~ s~,~i by ~ ~W ~ by ~ of ~ny d~.d t~c by ~c
~.'mw~ ~ ~Y ~;;~s m ~ere4Y nf Bo~wc~'. ~ fo~ by ~der ~ ~.i~ing ~y ~t 0r
~.$[g~ ~ S~i~ ~t ~c d,,~ i~ cxc~ ~c Note (a '~-{~'): (a) ~ ~-~ ~a
~ ~.sI.rJ.L~nt O~Y to mortgage, gr~ ~ ~v=y ~c c~s[gu~'a i~r~ ~ ~e ~ uud~ ~c
~ut; ~d ~c) ~{ ~at I~M~ ~ ~Y o~er Bo~wer c~ ~ rn e~, ~, fo~ or
~ke m~y ~~i~ wi~ ~g~ To ~e t~ u[ ~ ~ity l~t or ~e Note whhum ~c
~or~'s obiiga~0ns ~d ilaUUl~ ~ ~o
wring. ~C coves ~d ~Ce~ tff ~ ScOW ~t ~t brad (exit ~ p~vi~ in
~flow~'S d~a~t, for ~e p~ose of l,,n~g ~'a M~st m ~ ~Y ~ ri~5 ~dcr ~s
~ r~ to ~y o~ f~, ~c ab~ of ~pr~s au~fity ~ ~l~ S<~ity ~t to c~ge a
'b~ b ~ S~rl~ l~i~t or by Appli~le ~w.
f~ [bat ~c c~sly p~ . Y ,- - . . ......... h~a~ a.d ~ ~w is ~ly mt~ so
~m ~c ~tcz~ or o~er l~ c~argm~ ~a~t~ ~ to uc ~
~t[~ li~. ~: (a) ~Y ~h io~ ch~e shall I,~ [~u~ ~ thc ~t n~{~ ~o m~ ~c
l~ w~l ~ ~d~ ~ Bo~w~. I~tt~[ ~Y ch~e ~ ~e ~s re~d hy t'~uc~g ~ P~
owM ~cr ~c N~ or by ~g a ~ p~,~a to ~ow~, ~ a ~a r~ue~ pfinc~. ~c
pr~ay~t ~g_ - ....... :v-- ~r ..~ fi-~t of ~on Bo~ow~ ml~t ~YC ~l~g ~t
d~'.l lray~t ~ Uo~wer wJu co~u~e, x wm ~ u~ ~
15. No~- ~1 ~ 5iv~ ~Y ~no~r or ~r ~ co~rlnn wi~ ~ ~ ~t
~,~iI~ ~ wfi~. ~Y o~ ~ ~o~ M co~ wi~ ~ S~ ~ shall 1~ ~ to
~ve ~ ~v=~ B~wcr wh~ ~ed ~y ~st elz~ ~ ut wh= achy de~v~ m
no~ ~e~ if ~[ by ~ m~. No~ to ~y ~e Bo~w~ s~ll ~fim~ n~ m ~ ~w~
utll~a ApD~lo L~ ~r~sly ~r~ u~c. ~c nofi~ ~s ~l ~ iht Pm~
u~ ~o~ h~ d~ a uub$~ fio~ ~d~x ~ n~ ~ 1~n~, ~ s~ll
uo~ ~u~ of ~w~'s ~ge of ~gs. It' ~ s~ ~ 1,r~u~ for ~ ~=ower's
s~ h~ ~e~ ~der hu ~i~n~ ~o~ ~8 by no~e to Bn~w~'. ~ ~6~ in
~ wid~ ~s ~ ~t ~ ~r he dco~ to ~C ~ ~v~ t0 Lmd~ ~ a(:ti~ly
~,0~U '~~ Fu, m ao51 mlo~
0 91030
823
16- Governi.g Law; ~everahllily; Rnl~s of Constrpciiun. ~ ,,°'c, axrit¥ lnstruwem ah~ll 0e
Sovcrned. by feder-A lsw ami ihe law of ~ juri~diotlon in whicll the Pl-oper~y i~ louaLCd. All risht~ and
App ' PP , aa a ontmtion. ~,,,~ a~mc~t oy conuu~, m
might be ~lent. h~]~ .tach ~ih~cc shall not bo con~tn~d pr
thc event that ~ny provision or ¢.)mtse .f this $ccurit~ Instrument or me Note copflh:L~ with Applkablc
Law. ~ch confl~ shall not affect other pmvi~ioas o~ this Security lnstnul~t or t~e Note ~Ul~tr'h can bc
~tven efi'n'~ without thc conflic~Lr~ provision.
A~ used in thL~ Secx~rily lustrum~t: (a) words of the ~ 8enfler sh~l[ ~ and Lnclude
corica-poadlng neuter words oI' words of the fcufiniu¢ grader; Co) wordG in the singular ~J:lai.1 me-~ -,md
vaelude t~e plural ~ vice v~$a; ~ (c) the word 't~tay' glvr~ n.le di~c-rction without any obti§ation to
toke any actton.
17, Dorrowcr's Copy. Borrower sha}l bc ~ivcn on~ ~opy of the Note ~nd °reMs Sect~rh.y hmLrtllncnt.
18. Tran~D~r of the Propert]r or a Benefldal lnt~rz~L itt BorroWer, Aa ur, ed iix ~ Neetion 18,
"lmerest aa tl~ P~operty" m~a.~ a&v leg~l or bctzeficial imere~t in the Properq'. in~;ludiag, trot not limited
to, tlm~c beneficial interests tsmsferrrd i. a bond for deed, contract for dee& im'tallment salc~ ~nt~ct or
e~erow aF~.~,,¢at, the inta:t of which is the triter of fl0e by Buu'owcr at a future date ~o a purch~er.
If all or any part nf the Properly or ~ny lmcrc~t in the Property L~ sold .r t ~,uf~r~l (or if Borrower
i~ oot a nt~tr~l per, on ~d a bet~.flctal iuttr~at in Borrower is sold or tnn~f~rced) ~in%.t Lm~dcr'a priot
wemen con,cut, Ixt~l~ may requtre immeaiate pay~r~.~ i. full cf all ~unz; ~ec~ed by m~
ln~TumenL However, this option ~hdl not be exercir~ by Lrndcr ii' such exc~ci~c ~ pro.bated by
Applicable Law.
If Leader cxcrci~e~ this option, Lender s~sll give Bonow~r notice of w.~eleration. ~ ~odce shall
pro,rid* a perb.I -f nnt lm than 30 days I~om 0se ~te the nottc~ i~ i~i~¢a in ~mrdance wit~ Section
wififi~ which Borrower taunt, pay all ~ums ,~carcd by ~is Security Insttumem. Il' Bonowcr f~ib to pa7
the~ ~,,,ns prior to thc expiration of thfs peri~l. Lender mY invoke any ~nae~ie~ permi.~l hy
$ecuri~ lfl~'ur~nt wi~ou~ f~rthnr noti~ or demand on
]1.9. Borrower's Right to R~i.~tate After Acetic'orion. H Borrower ~.=cti ccrtaia conditlo~s,
BorYowr~ shall have thc ri.e~l to have enforcera~.,d of LI~ Security. L-lstrume~t di~ccntinue~ ST. a~y ~
prior to the esrties[ of: (a) five days bcfote $.le or' the Property ptirmmnt to auy i~w~t of sale comamed
this ,~:curit¥ lnstrumem; (b) such .ther pcric.:l as Applicable Law might specify for thr rumination of
Bor[ower's right to z~i~t~e; or (c) entry of a judgnmui cllfo~;ing this Security I~mment.
cooditiol~ are I~n[ Borl~wet; (a) pays Lcoder oil sum~ ,a/It~ch ~ wtm]d bc ~tlC =der this
]I~t~ and the Note as kf no' serf_lc]orion hag occurccd; (b) cm'~ any defaull .C mJy other covc~ant.~ or
agreetllmt~; (c} pays all c~pens~ incurred tn etffomlug ~ .5o:a~ hlatmm~t, including, b-,~! not limiRal
to, reasollable' am~r.cys' f~x~. proI~rty lllspectioll and vahmllu, fcca. slid oth(A' f~6 imalrled for the
purpose of protecting Lentil's h,te,~st in the Prol~cty and righ.ts in the Pph~-'rty
~.k~ ~uch ~mou as I.~nde~ may reasonably requm: to assurc ~at Dcnae~ ]nu:Tc~ by this Secu~{y
riglxts under thh 5ec. afit7 h~mim~at, and Bon-ower'~ obligation tu p~ thc ~
In~zum~, shall continue nncha~gcd. Lender may r~aire tim Borroweg pay s,~dL tch~t~t~aax:xtt rams anti
e~pe~cs i~ oac or morc of the following forn~, .,. selcC~l hy Ixnder: (a) c. mh; (b) mot~ .~de. (c)
certflied che~Jr, bank check, tre..a~'cr's 0he~K or ca$11i~"s check, l-o¥1dl~ ig1~y 8~¢h ~ i8 dra~n upon
an i~tmtit~lrAon who~e depOSits a~. hmurtd by a fo-doral ~get~y, inra'111~ntality o,' anfiW; or (d) Electronic
Pu.ds T~ansfta'. Upon ~t by Borrower, this Seo. n'iry Inatrum~t and 0Oli~atiollS ..~m~red
ghall rertmin fidl~ efftrAiYe ~s if no ameleration IIM oc~u'red. Htmcvef, thi~ right to reinstate ghall not
apply in the case of ac. eeler~dnn undc~ 3ection 18. . . , , . ·
,n ~:.,.., Not,: Chsn~ of Losn ,e, er~ce~, NoNce ot' anev~tnce. ]1~. Note o.r.a_..p.a~_~}.,,J~.,.,e~t~
Borrower. A r~ale ml~bv r~ull in a ~gc tn ule ~ttty LSTmwu ~ ,,,- ~.,
servidng obit§orions ander the Note, this Seeurily I11NI~ mi~llt, ~lld Applicable Law. There also might bc
ode or more changes of fl~c Loan Servicer unrela~l to a sale of ~ Nme. If thel~ is a ci~¢ of the
,~e_cviccr, ]3or~ower will be given wrtYlen notiuc of thc cha~c which w~l slate the nzme ~..1 address of
information ILES PA.
new ~ 5~,i~r, the ~dd~c~ to which payme~s .~hnnld bc zmt~C and~
Form 90;;I
rcqui~c~ m conaec~on with ~ n~li~ of h'an~f~r of ~t. ~ ~e Note
se~ by a ~ ~1~ ~t' ~ ~ pusher oi ~e No~, ~e n ~ r~c lo~ s~ ob~ga~
~t by E= N~c p~ch~ ~ o~i~ pmvifl~ by ~c Notc
N~ ~m'ow~ ~or ~der ~y c~e. jnln. nr bc juh~
~:m'ity ~t or ~at ~ege~ ~ ~c .d~er pray ~ b~h~ ~y pmv~ion of. or my duty ow~ by
nofi~ giv~ m eo~l~e ~ith ~c ~c~ of Sa~on 15) of ~u:h ~leg~
pe~nd wi~ bc d~d to ~ ~ombte for p.q.~s of ~ p~a~h.
~n0wer ~ to S~ttnn 18 ~ ~ aee~ m ~ me ~ee md -t,t~ m t~c ~rr~ve
~fion prov~t~ of tgt~ S~un 20.
21. ~do~ S~a~. As ~ ~ ~ S~ion 21: (al
~ de~ ~ toxin or ~a'~o~ ~*~, po~ut~, or w~t~ hy Envhu~t~ ~w ~d ~e
follow~ a~: g~.lh~, k~s~o, o~er fl~ble or toxin ~[~ p~u~, to~c
~ ~rb/ci~l, voladlc ~lvm~. ~i~ ~fl~ainin8 ~Ot rjr for~d~hydc,
~) "~nvffo~t~a~ hw ~ t~a law* ~ I*~ ,,fflscj~s~cn where
Co~d~' ~ a c~n ~at ~ ca~e,,c°~but~ m, or o~h~
CI~,
~ubsmc~, or ~ma~ m rel~e ~y Ha~doua ~bm~e~, on or m ~ ~o~. ~nowcr ~l mot do,
nor ~ow ~yo~ c~ ~ ~, ~ylhing ~cc~g ~ Prepay (a) ~st
H~do~ Subg~cm ~ ~e gently rou~gnlv=d to bc ~p[~fiate to
maln~ of ~0 ~ CmCllldlng. b~ got ~d ~, ~m~o~
Borw~r s~ pr~fly We ~ ~u~ ~tl~ ~ (a) ~y ~v~gnfio~, ~. ,Im~d, lawlor
or o~ ~on by ~y ~ove~ral or ~Oatou ~m~ or pnva~
1I~o~ Sub~ or E~vin,m~n~ L~ of which ~wer
~vko~ Condition. i~i~ ~t m 1~ to, my Spilling, lining. ~CB~ge, rcl~¢ or ~ of
r~e~ Of ~y H~h,,m S~s~ ~d (;) ~y ~a~on t~,~ by
~do~ Su~tnnm w~ adv~Y ~u ~e v~e of the Ptopcgy. ~ ~ower 1~, or ~ nnflfi~
~ any guv~iml~ or r~uto~ au~fl~, m ~,y ptivaw p~, ~ ~Y r~v~ ~ 0~ ~ati~
~ for a Bn~ral Clc~p.
~120r15
825
NON-UNIFORM UDVENANTS. Burrower and Leader t~lner covenam ~,~1 .~,~ ~ follows:
~1~. Accclerafion~ Reeaeclie~- Lender ~l,nll give XXoficc to Borrower prior to ~,~-d~afion followinl:
Berrower'~ brach o1' an~ covcrmnt or agre~zt in this 5~urtty Tuastrumcat (b~ no~ prior to
9ecd~uLioa under Section Is ~ Applh-~hle Law l~fovidc~ othel~is~), ~ notlc~ ~1]~11 spccLfy:
thc default; th) tl~ nc~hm re~uir~ to cure the defaglz; (c) I~ date, trot [e~ than 30 dixys from the date
the notice i,. ~en to Borrower, by wblr.~ thP (~['ault m~t bc cured; and id) tho! f~flure tu cure thc
default on or before the date speck[led in the notice may rendt tn nccelerntion of the sun~ secured by
this Security lnstnuuent and sale of the Property. T~e m~tlce ~hall further inform l~orrower of the
right to relustate aftcr nccelerntion sod Ihe right to bring a court nelion to nssert the non-odstenc¢ of
a default or nny otl~er defe.~ of Oorrowcr to acceleration and ,ale. If thc ddault is not cured on or
before, the date ~,~fied in the notice, Lender st iix option may rcquir~ immediate ptayrne~t In full
illl sums secured by this Security l~tstrument without ~rthet dem~od m~d tuay invokc the power of
sale nad. sol other lenses permitted by A. plMlcnhle Law, Le~Icr shell be entitled ~o collect sll
cap,uses hu:urrcd in p~! the remedies proddcd in ~ Section 23., Im~hulh~, but ~ot ]imlted to,
reasonable nttorney,~' f~ and cootS or title evidence.
If Loner invokes the l~,,ver of salc, L~dee shall give m..irr of inter to foreclose to l~orrower
sod to the pe.r~.x in p0sscssion o! the property, if dil[~rent, in nccordsnce ~ith A. pplknble Law.
L~der ~all give notice of the s.l~ t. Borrower in the manner provided In $ 'oztiua 15, Lender
pablish the n~ttce of ~ale, and thc Property shall be sold h~ the nlanncr prescribed 10y Appllenhle
!,ow. Leuder or ica dcalgnee may pureha~ ~h,: Property at nny sale. The proceeds nf the ~ale shall be
applied in the following ord.': (a) to all cxpenr~ of the ~1e. tncludinZ, but not limited to,
reasonable attornZys' fco; (b) to alt sums secured Ill this Securi .fy Instrument; and (¢) soy exce~ to
thr person or pccsom legally entltle~l U, it.
23. Rdea~, Upon payment of nil sum~ ~tu'~ by thin ~x~uri:y Ir~trumem, L~er shall telcar, c
:ele~smg ~tg Sex:t, rity lastrum~L, but ooly if the fee is l,aid to a third partlt for ~-.rvices renclered
chaqliug of thc fcc is permittect ullder Al~l,llcabl~ Law.
2a. Wai.~r~. Borrow~ rele~e~ ;md waives all righls udder md by vi~'ue o! vhe hm.r. Stc'~l
cx~llkotio~ lawn or' Wyomi~.
Ir~~ F~rm ;3051
BY SIGNING BI~LOW, Borrower scce~s and al~e~s to th~ tczm~ ~ ¢ove~t.~ u,~taLucd iu this
.~t~ Im~a-~ment Md in ~y Rider ex~uted by Borrower utI r~Cotde~ with it.
Wi I. BJt:SSC~;
ROlIll,l ORElr. I~{
(~)
gor~owl¢
(SCA1)
Fon'n 30;1 1/131
827
Th~ foregoln}~ instrument w~z ~:znawledgr~! l,efom m~ tlli.a O~rg 20,
2003
-8 GIVw'Y) looo~)
(~~Ferm 3fl~fil 1101
828
VA GUARANTIED I.O.M~ A_ND ASSUMPTION POLICY RIDER
NwOTiCE: THIS LOAN IS NOT ASSUMABLE
ITHOUT TI-rE APPROVAL OF THE DEPARTMENT
OF VETERANS AFFAIRS OR ITS AUTHORIZED
AGENT.
TIIIS VA GUA.RA~,~ LOAN AND ASSUMPTION POLICY RIDER is made t~ls 20':B dm/
, :md is incorpomt~ imo ~tu3 .4~11 be dccmed to ~1
of .-rm~, 2003
a~fl a~pic, mem the Mortgage, De~ of Trust or De~t to Secure 13d,t (hc~in 'Security Insmm~tt') dmxxl
of eve~ ~ae l~'~wlth, givcn by be umlerstgn~ (hc~~:in "Borrower") ~o ~ecxm~- Borrmvc~'a Note to
}rlzJ. lt l=,k1~:0 IaOlEl~ ~O~:'t~T~G~. 1'~C.
MUL'I'I£TATE VA (~i~RANTEr~ LOAN AND ASgUM~ION PO~Y RIDER
829
I.ATE CIIARGB: At Ix. lltl~*s .ption, Bonower Will pa~ a "lnm ~ ~t ~g
(4%) ot' ~e ov~e ~ya~nt whcn p~6 ~ ~ fif~ (I~ ~ a~r ~ due d~ ~c~f
~a ~I~c ~oI~ ~ ~g ~lh~cnt ~, but ~ "l~m ~e' ~1 ~t ~ gaY~le o~ of
Gl IA~N~: b~o~d ~e D~rus~ Of V~ Aff~s f~l nr ~fu~ to is~ i~ ~W
~ ~ days ~o-, fl~ da~ ~at ~is ~ wo~ld no~ ~ e~ble for ~ch ~Y
~on by tl~ D~t of V~S A~ ~dcr ~e pfovxsio~ Of Tide 38 of ~ U.S.
tb~lo~e ~liacly or ~Y ~e my n~her fi~u ~ or ~e my ~hcr p~ ~on
~NSP'BR OY ~, pROPURTY:
l~ ~ablla~ pu.u~t ~ ~.flon 3714 of ~t~ 37, TiUe 38, lls~ ~
(a) A~ ~: A fee etu~ ~o ..e-h~f.of 1 ~t (.~0%) ,,ftc b~ of
~s tom ~ of mira ~ of~ oi ~e prop~y al~ be payabla at ~e ~..f ~
or its .u~ a~m, ~ t~ ~ ~ D~a~t o{ vme~ ArF~rs. If ~ =s~er
Ms--x, shall ~ M~ ~ ~e ram h~ pmvidcd, ~, ~ ~ .ptlon of ~0 9~ of ~e
~dcl,~ ~by s~ or any ~ ~f, ~ ~ ~i~uly d~ ~d payab~.
!r the ~r is ~pt ~6~t ~ ~.vi~on$ of 3B U.S.C. 3729
~to~ly wa~ '~G CH E; U~a ~gl~fion for aiymv~ ~ ~low
~ D~t of Veter~n ~f~s iora Lorn ~ w~u ~-,,
a~ to ~ ~ of ~ obh~ions of ~e V~" su~ ~c 1~ of ~ ~l~nm
s~i~ ~ 1,~. ~ ~r ~e~ ~g~ to ~ ~ ~t of V~cr~ ~ to ~e
{~538R (9904),01
p~sge 2 nf 3
830
LN WITNESS WHRREOF, .Borrower(s) ~ exeeutrd tl~ VA Gu~nmt~t Lo:a: ~ ^~,,,,~fio~ Policy
.~or~w:~ ROBIN C.A~ENE
~,onrO we{
528fl {0904),0~
p=9o 3 of 3