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HomeMy WebLinkAbout895097895,097 RECEIVED LINCOLN COUNTY CLERK 03NOV-6 PH 2:00 JEANNE WAGNER Space Above This Line For Recording Data MORTGAGE (With Future Advance Clause) DATE AND PARTIES. The date of this Mortgage (Security Instrument) is OCTOBER 31, 2003. The parties and their addresses are: MORTGAGOR: RANDAL HILL P.O BOX 5098 ETNA, Wyoming 83118 DIANA HILL PO BOX 5O98 ETNA, Wyoming 83118 LENDER: FIRST NATIONAL BANK - WEST Organized and existing under the laws of the United States of America 314 S Washington PO Box 1620 Afton, Wyoming 83110 83-0162601 1. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debts and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants to Lender, with the power of sale, the following described property: Lot 6 of the Shooting Star Subdivision, Lincoln County, Wyoming as described on the official plat thereof. The property is located in LINCOLN County at 319 SHOOTING STAR DRIVE, THAYNE, Wyoming 83127. Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, wells, ditches and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described (all referred to as Property). This SeCurity Instrument will remain in effect until the Secured Debts and all underlying agreements have been terminated in writing by Lender. 2. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time will not exceed ¢225,000.00. This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrument. 3. SECURED DEBTS. This Security Instrument will secure the following Secured Debts: A. Specific Debts. The following debts and all extensions, renewals, refinancings,' modifications and replacements. A promissory note, No. 64003064, dated October 31, 2003, from Mortgagor to Lender, with a loan amount of ¢225,000.00. One or more of the debts secured by this Security Instrument contains a future advance provision. B. Sums Advanced. All sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 4. PAYMENTS. Mortgagor agrees that all payments under the Secured Debts will be Paid when due and in accordance with the terms of the Secured Debts and this Security Instrument. 5. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees: A. To make all payments when due and to perform or comply with all covenants. RANDAL HILL Wyoming Mortgage WY/4XroxiajeOO704400004066025103003Y ©1996 Bankers Systems Inc., St. Cloud, MN .'.5~ .,'-,,,, Initials B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. ~! ~ 9 C. Not to allow any modification or extension of, nor to request any future advances under anY note or agreement Secured by the lien document without Lender's prior written consent, 6. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relating to the Property when due. Lender may require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 7. DUE ON SALE. Lender may, at its option, declare the entire balance of the Secured Debts to be immediately due and payable upon the creation of, or contract for the creation of, a transfer or sale of all or any part of the Property. This right is subject to the restrictions imposed by federal law governing the preemption of state due-on- sale laws, as applicable. 8. WARRANTIES AND REPRESENTATIONS. Mortgagor has the right and authority to enter into this Security Instrument. The execution and delivery of this Security Instrument will not violate any agreement governing Mortgagor or to which Mortgagor is a party. 9. PROPERTY CONDITION, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor will not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occuPancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to 'the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. kender will give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 10. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the c°venants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor will not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument. If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 11. ASSIGNMENT OF LEASES AND RENTS. Mortgagor assigns, grants, bargains, conveys, mortgages and warrants to Lender as additional security all the right, title and interest in the following (all referred to as Property): existing or future leases, subleases, licenses, guaranties and any other written or verbal agreements for the use and occupancy of the Property, including any extensions, renewals, modifications or replacements (all referred to as Leases); and rents, issues and profits (all referred to as Rents). In the event any item listed as Leases or Rents is determined to be personal propertY, this Assignment will also be regarded as a security agreement. Mortgagor will promptly provide Lender with copies of the Leases and will certify these Leases are true and correct copies. The existing Leases will be provided on execution of the Assignment, and all future Leases and any other information with respect to these Leases will be provided immediately after they are executed. Mortgagor may collect,' receive, enjoy and use the Rents so long as Mortgagor is not in default. Upon default, Mortgagor will receive any Rents in trust for Lender and Mortgagor will not commingle the Rents with any other funds. Mortgagor agrees that this Security Instrument is immediately effective between Mortgagor and Lender; This Security Instrument will remain effective during any statutory redemption period until the Secured Debts are satisfied. As long as this Assignment is in effect, Mortgagor warrants and represents that no default exists under the Leases, and the parties subject to the Leases have not violated any applicable law on leases, licenses and landlords and tenants. 12. DEFAULT. Mortgagor will be in default if any of the following occur: A. Payments. Mortgagor fails to make a payment in full when due. B. Insolvency or Bankruptcy. Any legal entity obligated on the Secured Debts makes an assignment for the benefit of creditors or become insolvent, either because its liabilities exceed its assets or it is unable to pay its debts as they become due; or it petitions for protection under federal, state or local bankruptcy, insolvency or debtor relief laws, or is the subject of a petition or action under suCh laws and fails to have the petition or action dismissed within a reasonable period of time not to exceed 60 days. C. Death or Incompetency. Mortgagor dies or is declared legally incompetent. D. Failure to Perform. Mortgagor fails to perform any condition or to keep any promise or covenant of this Security Instrument. ' E. Other Documents. A default occurs under the terms of any other transaction document, F. Other Agreements. Mortgagor is in default on any other debt or agreement Mortgagor has with Lender. G. Misrepresentation. Mortgagor makes any verbal or written statement or provides any financial information that is untrue, inaccurate, or conceals a material fact at the time it is made or provided. H. Judgment. Mortgagor fails to satisfy or appeal any judgment against MOrtgagor. I. Forfeiture. The Property is used in a manner or for a purpose that threatens confiscation by a legal authority. J. Name Change. Mortgagor changes Mortgagor's name or assumes an additional name without notifying Lender before making such a change. RANDAL HILL Wyoming Mortgar~ .~ © ~ i; WYI4XroxiejeO0~ ! ::..:: ;?~066025103003Y 1996 Banl~:;:~l:::j;;;i;;, ~s Inc. St. Cloud, MN ~" .~ NH 'pn°13 'iS "=ul 'swal~AS s Jo)lug8 966[= A£00£0 L g ~:09 got'o000 P POLOOe.la!X°~x~/A N~ el]el~IJOlN 6u!moAM lllH ,,'esngl3 eeAed SSOl,, 'elqeo!lddg eJeLlM 'pug ,,asnelo e§eOLIOUJ, pJgpuels g gpnlou! ii!M SleAAOUOJ pug se!O!lod eoueJnSU! 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IIe pug Aug JOj LU!el3 e O)leuJ AgLU Jgpua'l 'slqeG peJnogs eql Jepun 5U~MO giggleq gq] al peppe' eq AeLU pug gnp AIg]e!poLuLu! gq II!M Jleqeq g,JO[~e§lJO[/~ UO pooue^pe SlUnOLue AuV 'A1JodoJcl eql lies Ol Je~od eql 'uo!),el!Lu!l lnoqi!M '§u!pnlou! 'slqg(] pgJnogs gq] ol §u!u!e),Jod Jo §u!ouop!^o lueLunJ~.Su! Aug u! JO MeI leJope,t JO ele~.s jepun seq Jepug-I sg!paLugJ lie pug Aug esn AeLu Jgpua-I 'SIIGglAI3~I 'EL · oJnoosu! s! Jepue-I ]eq), SeAS!lOq AlqeuoseoJ jepug-I 'A),!Jnaesul 'IN 'poJ!edLu! s! JO sou!leap A].JOdOJcl eql ,tO OnleA gq.L ;enleA ^),Jade Jcl '1 'ua!laOS =I'IVS NO 3flCl sill_L "AlJedoJd ~o AauoLu s,~oBe81JoIN JO ]Jed IP. II'~c~ e JO IIe sJoJsueJl JOf~gl~lJO[A] 'Je~-~nlJedoJd ')! 101 Mortgagor will give Lender and the insurance company immediate notice of any loss. All insurance proceeds will be applied to restoration or repair of the Property or to the Secured Debts, at Lender's option. If Lender acquires tho ProporW in damaged condition, Mortgager's rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts. Mortgagor will immediately notify Lender of cancellation or termination of insurance. If Mortgagor fails to keep the Property insured Lender may obtain insurance to protect Lender's interest in the Property. lhis insurance may include coverages not originally required of Mortgagor, may bo written by a company other than one Mortgagor would choose, and may be written at a-higher rate than Mortgagor could obtain if Mortgagor purchased the insurance. 18. ESCROW FOR TAXES AND INSURANCE. Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 19. CO-SIGNERS. If Mortgagor signs this Security Instrument but does not sign the Secured Debts, Mortgagor does so only to mortgage Mortgager's interest in the Property to secure payment of the Secured Debts and Mortgagor does not agree to be personally liable on the Secured Debts, If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. Those rights may include, but are not limited to, any anti-deficiency or one-action laws. 20. WAIVERS. ExCept to the extent prohibited by law, Mortgagor waives all homestead exemption rights relating to the Property. 21. APPLICABLE LAW. This Security Instrument is governed by the laws of Wyoming, except to the extent otherwise required by the laws of the jurisdiction where the Property is located, and the United States of America. 22. JOINT AND INDIVIDUAL LIABILITY' AND SUCCESSORS. Each Mortgager's obligations under this Security Instrument are independent of the obligations of any other Mortgagor. Lender may sue each~Mortgagor individually or together with any other Mortgagor. Lender may release any part of the Property and Mortgagor will still be obligated under this Security Instrument for the remaining Property. The duties and benefits of this Security Instrument will bind and benefit the successors and assigns of Lender and Mortgagor. · 23.' AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amended or modified by oral agreement. No amendment or modification of this Security Instrument is effective unless made in writing and executed by Mortgagor and Lender. This Security Instrument is the complete and final expression of the agreement. If any provision of this Security Instrument is unenforceable, then the unenforceable provision will be severed and the remaining provisions will still be enforceable. 24. INTERPRETATION. Whenever used, the singular includes the plural and the Plural includes the singular. The section headings are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. 25. NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or mailing it by first class mail to the appropriate party's address listed in the DATE AND PARTIES section, or to any other address designated in writing. Notice to one party will be deemed to be notice to all parties. Mortgagor will inform Lender in writing of any change in Mortgager's name, address or other application information. Mortgagor will provide Lender any financial statements or information Lender requests. Ail financial statements and information Mortgagor gives Lender will be correct and complete.' Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgager's obligations under this Security Instrument and to confirm Lender's lien status on any Property. Time is of the essence. SIGNATURES. By signing, Mortgagor agrees to the terms and covenants contained in this Security Instrument. Mortgagor also acknowledges receipt of a copy of this Security Instrument. In i/d~du,ally / / [' A Individually LENDER: First ~ank- W~'- R°xiet'Jer[~~ns J RANDAL HILL Wyoming Mortgage WYI4XroxiejeO0704400004066025103003Y e1996 Bankers Systems, Inc., St. Cloud, MN ,~:,,.::;.?,,.;.. - Initials Page 4 . ::~ ~..~-!:~-- ACKNOWLEDGMENT. (Individual) This instrument was ac~nowled~ before n~e this RANDAL HILL. OF ~-N o~r;/Pub~,/ 102 (Individual) This'i'nstrument was ac[~(~wledge~ before me'this/' DIANA HILL. My commission expires: Z/~//-/-/O,~ ROXlE JENKINS~ Notary Public County of j~'~ State of Lincoln I~ Wyoming My Commission Expires April 4.2006 ~-PO -~ by (Lender Acknowledgment) This instrument was acknowledged beLore me thi¢ Roxie Jenkins as ~'~- Z ~/'/ O-~L~£(~ -t'~-/-~ My commission expires: ~:)~L---~ ~-~ S~' OF ~/.,~/t~,"F)//~,---~,~ ss. ~// day of 0~'-//-~) ~ L-~K' of First National Bank - West, DONALD S. S~ County o[ ~,J~.~'~ State of Lincoln ~ Wyoming l~lotary Public) RANDAL HILL Wyoming Mortgage WY/4Xroxieje00704400004066025103003Y ©1996 Bankers Systems, Inc., St. Cloud, MN ~" Initials Page 5