HomeMy WebLinkAbout901368 ,.- R~cO'idings Requested.by &
When Recorded Return To:
'' US Recordings, Inc. MORTGAGE
2925 Country Drive Ste 201
961702 7.~.-~0St'PaUI'MN55117 Ct
CLERK
~-~ IF BOX IS CltECKED, THIS MORTGAG _E'.gE~Idt~ES.,FUTURE ADV'Ai~CE~..
THIS MORTGAGE is made this 9TH day of JULY 20 04 ,]/..'/:,,'l~¢Byeendm Mox;tgagor
ANTHONY RITZDORF AND MAXINE R. RITZDORF, HUSBAND AND WIFE, JITIRIS il;';.':ii','?,:,,:, ~:, .... ,
(herein "Borrower")i and Mortgagee BENEFICIAL WYOMI NO I NC ,
a corporation organized and existing under the laws of
1363 DEWAR DRIVE, PLAZA MALL STE 8, ROCK
~ "Lender" ).
WYOMI NO whose address is
SPRINGS, WY 82901
The ~ollowing paragraph preceded by a checked box is applicable.
iq%o oqq
F~ WHEREAS, Borrower is indebted to Lender in the principal sum of $ 2~, 315.44 ,
evidenced by Borrower's Loan Agreement dated JULY 9, 2004 and any extensions or renewals thereof
(inclUding those pursuant to any Renegotiable Rate Agreement) (herein "Note"), providing for monthly installments of
principal and interest, including any adjustments to the amount of payments or the contract rate if that rate is variable,
with the balance of the indebtedness, if not sooner paid, due and payable on JULY 9, 20 ] 9 ;
[---] WHEREAS, Borrower is indebted to Lender in the principal sum of $. , or so much thereof
as may be advanced pursuant to Borrower's Revolving Loan Agreement dated and
extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and under
the terms specified in the Note, including any adjustments in the interest rate if that rate is variable, and providing for a
credit limit stated in die principal sum above and an initial advance of $ ·
TO SECURE to Lender the repayment of (1) the indebtedness evidenced by the Note, with interest thereon,
including any increases if the contract rate is variable; (2) future advances under any Revolving Loan Agreement; (3) the
payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage;
and (4) the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage,
grant and convey to Lender and Lender's successors and assigns the ~ollowing described property located in the County of
k I NCOLN State of Wyoming:
PROPERTY (INCLUDING AN IMPROVEMENTS):
LOT 8 DF BLOCK 2 OF LINCOLN HEIGHTS SUBDIVISION
OF KEMMERER LINCOLN COUNTY, WYOMING AS DESCRIBED
OFFICAL PLAT THEREOF. TAX MAP OR PARCEL D NO.:
221 O0
TO THE TOWN
ON THE
2116 144 26
which has the address of 802 EMERALD.
(Street) (City)
Wyoming 83116 (herein "Property Address");
(Zip Code)
:'::;;:: 1730834FAgOMTGSOOOWYOO 124 IO~R I IZBORF ,,v, ,- ','.-,' ORIGINAL
KEMMERER
WYO0124~
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7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in ti'lis
Mortgage, or if any action or proceeding is commenced Which materially affects Lender's interest in the Property, then
'Lender, at Lender's oPtion, upon notice to Borrower, may make such appearances, disburse such sums, including
reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender requires mortgage
insurance as a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to
maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with
Borrower's and Lender's written agreement or applicable law.
Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon at the applicable Contract Rate,
shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other
terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof.
Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder.
8. Inspection. Lender may take or cause to be made reasonable entries upon and inspections of the Property,
provided that Lender shall give Borrower notice prior to' any such inspection specifying reasonable cause therefor
related to Lender's iuterest in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any
Condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement
with a lien which has priority over this Mortgage.
10. BOrrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of
BorrOwer shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in
interest. Lender shall not be required to commence proceedings against such successor or'refuse to extend time for
payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the
original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy
hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the exercise of any such right or
remedy.
11. Successors and Assigns Bound; Joint and Several LiabilitY; Co-signers. The covenants and agreements
herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and
Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint
and several. Any Borrower who co-signs this Mortgage, but does not execute the :Note, (a) is co-signing this Mortgage
only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this
Mortgage, (b) is not personally liable on the Note or under this Mortgage, and (c) agrees that Lender and any o.ther
Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with regard to the
terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying
this Mortgage as to that Borrower's interest in the Property.
12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to
Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail
addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender
as provided herein, and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to
such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this
Mortgage shall be deemed to have been given t0 Borrower or Lender when given in the manner designated herein.
13. Governing Law; Severability. The applicable law contained in the Note shall control. Where no applicable law
is contained ~herein, the state and local laws applicable to this Mortgage shall be the laws 'of the jurisdiction in which
the Property is located. The foregoing sentence shall not limit the applicability of Federal law to this Mortgage. In the
event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not
affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to
this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs", "expenses"
and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein.
14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time
of execution or after recordation hereof.
15. Rehabilitation Loan Agreement. BorrOwer shall fulfill all of Borrowe?'s obligations under any home
rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender, at
Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment
of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in
connection With improvements made to the Property.
16. Transfer of the Property. If Borrower sells or transfers all or any part of the Property or an interest therein,
excluding (a) the creation of a lien or encumbrance subordinate to ti'tis Mortgage, (b) a transfer by devise, descent, or by
operation of law upon the death of a joint tenant, or (c) the grant o~ any leasehold interest of three years or less not
containing an option to purchase, Borrower shall cause to be submitted information required by I~ender to evaluate the
transferee as if a new loan were being made to the transferee. Borrower will continue to be obligated under the Note
and this Mortgage unless Lender:releases Borrower in writing.
If Lender does not agree to such sale or transfer, Lender may declare all of the sums secured by this Mortgage to be
immediately due and payable. If Lender exercises such option to acceleYate, Lender shall mail Borrower notice of
acceleration in accordance with paragraph 12 hereof. Such notice shall provide a period of not less than 30 days from
the date the notice is mailed or delivered within which Borrower may pay the sums declared due. If Borrower fails to
pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower,
invoke any remedies permitted by paragraph 17 hereof.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, or as otherwise required by law,
upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the
covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give
notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to
cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which
such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the
notice may result in acceleration of the sums secured by this Mortgage. The notice shall further inform
Borrower of the right to reinstate after acceleration and the right to bring a court action to assert 'the
nonexistence of a default or any other defense of Borrower to acceleration and sale. If the breach is not
cured on or before the date specified in the notice, Lender at Lender's option may declare all of the
08-29-03 MTG
~ 373083qFAg0MTOS000WY0012430 R TZDORF ~. OFIlGINAL
WY001243
sums secured by this Mortgage to be immediately due and payable without further demand and may invoke
the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect
all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including,
but not limited to, reasonable costs and expenses incurred in pursuing the remedies provided in this
paragraph 17, including, but not limited to, reasonable attorneys' fees.
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 mail a
copy of a notice of the sale to Borrower in the manner provided in paragraph 12 hereof. Lender shall
publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law. Lender
or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the
following order: (a) to all reasonable costs and expenses of the sale, including, but not limited to,
reasonable attorneys' fees and costs of title evidence; {b) to all sums secured by this Mortgage; and (c) the
excess, if any, to the person or persons legally entitled thereto.
18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage
due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this
Mortgage discontinued at any time prior to the earlier to occur of (i) the fifth day before sale of the Property pursuant
to the power of sale Contained in this Mortgage or (ii) entry of a judgment enforcing this Mortgage if: (a) Borrower
pays Lender al/ sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b)
Borrower cures all breaches of any other' covenants or agreements of Borrower contained in this Mortgage; (c)
Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower
contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not
limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure
that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by
this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations
secured hereby shall remain in full force and effect as if no acceleration had occurred.
19. Assignment of Rents; Appointment of Receiver; Lender in Possesion. As additional security hereunder,
Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under
paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due
and payable.
Upon acceleration tinder paragraph 17 hereu~ or abandonment of the Property, and at any time 3ri~/r to the
expiration of any period of redemption following judicial sale, Lender, in person, by agent or by judicially appointed
receiver, shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the
Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the
costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on
receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver
shall be liable to account only for those rents actually received.
20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without
charge to Borrower. Borrower shall pay all costs of recordation, if any.
21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property.
22. Arbitration Rider to Note. The Arbitration Rider attached to and made a part of the Note is hereby
incorporated by reference and made a part of this ~[ortgage.
"This space intentionally left blank"
08-29-03 MTG WY001244
~R3730834FA90M~' G8000WY0012440~R I TZOORF * ORI G I NAL
..-,;,:,,;,,;,,;;;? .. ;" .' ,~-. i
-5-
STATE OF WYOMING,
REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEED OF TRUST
Borrower and Lender request the holder of any Mortgage, Deed of Trust or other encumbrance with a lien which has
priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any
default under the superior encumbrance and of any sale or other foreclosure action
IN WITNESS WHEREOF, Borrower has execumd this Mortgage.
Signed, sealed and delivered in the presence of:
ANTHONY"RITZDORD---' ~Borro wet
b~XINE R. RIT2~ (SEAL)
-Borrower
SWEEWTATER County ss:
The foregoing instrument was acknowledged before me by ANTHON_Y RTTZBORF & HAX-[NE~R~RJ~IiZDO~F
this 9TH day of JULY , 2004
WITNESS my hand ap~fficial..~s~a~ ...................................
My commisiofi e~:'l SW[ETW~rE, ~(~ WYOMIN~I'/, / 7/ '
STATE OF WYOMING, County ss:
The foregoing instrument was acknowledged before me by
this day of , 20
WITNESS my hand and official seal.
My commision expires:
Notary Public
(Space Below ThisLine Reserved For Lender and Recorder}
Illl II Illll Illl II II Ill II III IIlllll IIII Il
UlgSOGO?4-01IHO5
MORTGAGE
LOAN# ~61708
US Recordtngm
08-29-03 Miff
WY001245
~083ZlFA90MTO8000WY0012zlSO*~*R I ¥2130RF ~
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