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•�, � • :ri�:iiti�{��' �uf•��:''y`'i':;' :n riF5.,1/;��• ..,i4�14� ' "I?+r�,��j17'ir�rM'r'��Fi;j�jif:�;`� �r�f��;;ff�;; , .,t.;:�;:,., • iF('s:a� �"�jr! <br /> ;�� - T,n ✓�� i���l �ti:;,i,i ti-� .. _ �i :�5 � , . �. `��P�Cr -,,,,.»)l�� +r��t�\`i' f!-5t <br /> . � aST - � . •{r� ".'+�}` ��t,"'S� _ ,�'; ' <br /> + <br /> . � ,;_ ,:.:� <br /> :.' . \•• . ���II�I�' . je1�:�. <br /> . � _�.+. .:,..r ._1-��d�a.un�... .. ..� . <br /> --I ._r,•" . . . .... ' {►�?F'✓rYYY I f° .; La�I.r�.°I� IL��R!`�l f.Le.,."r"Z - — __ .._..- .�:..--. <br /> ,,. ._. . _ -_ <br />..�.�._�._._ .. ...�. , �P ., T/'�DY ..._..R�_S'^'L11m�.�.�.'"_._ <br /> _rr�w ...�_. __ "-"-7.�..._�_ ' . .. .'�TZR�.CSR�'fIM1'R'R. 'T+�T�. ... <br /> ::.PR`�R'l.Ji <br /> s:;. '��;��:;� (�, �:_� �.Q�'����J� —4�� <br /> , , i° <br /> :, , <br /> ,t!{.�, -'. fl. �5�yiacaR u�C'rl;t�.�pal,9t�Qe��e�;i.�td�,t:fe(.;iaa�'Ce. ��n�r+►��rer shall pay tivhcn��uc tl�c princip:sl of,itnd int�r�:,t uu. <br />� - --___�--`;�� �!r d:bt cvidcnccd by Oie NAtc nnd late cl�ar�cs duc undcr thc Nutc. �""°'- <br />`°-"�;�;;;��,'���� 2. Monl7�ly paymentA a9'6l�xcs,InsurnncC nnd QlU►cr Ctmrqcs. Uurrotivcr shall inclucic in cach monthly paymcnte � <br /> ----�� togctlier weU►the principat and intcrest ns sct fnnh in Il�e Nnte and any Intc ch;rcgcs,nn im;�allmcne of any�a)tnxcs aizd ���-�= <br /> - - spccial nssessm�nts Lcviccl or ro be levicd ugainst the Property,(b)Icaset�old payments or grounc!rcnts on the Ptoperty,nr.d _� <br /> �- -�`: `;..--'.:�' (c)F,�.niums for inscer^�ire rei�vire�i by Pnrn;r�iph 4. �`_''�' <br /> — °—__ Eacl� monihly installment for itcros (n). (b) nnd (c) shal! �qual onc•twclfth af thc nnnull amounts, as rcn.,onably — <br /> -- -- estimated by Lcndcr, Plux an nmaunt sufficicnt to mnintnin an ndditianol balancc of not morr thun one-sixth of the �__ <br />-____--- cstimatcd nmounts. fiie full nnnual amount for cach item slinU bc eccumulatcd hy Lender within u peri�d ending ono <br /> — month before an item would becano delinyuent. Lender�;hull tiold tlie amounts collccted in hust to pay items(a),(b)nnd =- <br /> _ :=:�-��� (c)before they become delinquent. ��___ <br /> =:-ti.�x���� If ut nny tirnc the rotal of thc payrnents I�eld by Lcndce for items(n),(b)and(c). together with die f'utune manthiy �,�„ <br />-___ `�.s� pnyments f�r such items payable to Lcnder prior to the due dates of such itcros, exceeds by morc than onc-sixdi the - <br /> —?_ estimaeed nmount of payments reyuired to pay such items whcn duc,nnd if paymcnts on the Note are current.then Lender �w_..v- <br /> ==-�-;�� shall eiiher refund the excess over one-sixth of dte estimated payments or credit the excess aver one-sixth of the cstimated � <br /> -°�__��"'""� payments to subscgucnt payments by Sorrower,at the option of Borrower. If�he total of the payments made by Boir�wer �''`- <br />-"�'='��-�'� (b),or(c)is�nsufGcient ta pay the item when duc,then Borrowcr shall pay to Lcndcr any amount neccssary to !�'� <br />_—.�,�•ro,�.-� for item(a), <br />-_';;���,��F"�� n��lce up ths deficiency an or tsefore the date tfie item @ecomes due. `���� <br /> ' x�'�� As used in this Sccurity Instrument,"Secretnry"mcans the Secrctary of Housing and Urban Revclopmcnt or his or her ;:°.•; <br /> „'.,,. <br /> ___��'=_'���•�== desigaee. In nny year in which the Lender must pay u mortgage insu►�nce premium to the Secretary,each monthly payment - -- <br /> �.�H� �� <br /> ,��Ha �,� shnll alcn include ciQur: (I) an installment of the annuol mungage insur:snce premium to be paid by Lender to the � <br /> 'r'-°'� Sec:n.tary, or(ii)n monthly charge instcad of a mortgage insurancc premium if thin Sccuriry Instrument is 1►�Id Gy the � , � <br /> �':�q-:�.•; • ��• <br /> _.,-�;,;7,;:_ , Secrexary. Euch monthly instnllment of the mortgage insuraace premium shall be in an amount sufficient to�ecumulate the '��' <br /> ihll r,nnual mortgi�ge insurunce premium with L,snder one month prior to thr, date the full annual mortgage insurance <br />__ _•. t�,°.�;�„� pr�emeum is due to the Secretary;or if this Security Instrument is held by the Sccretary,each monthly chargc shall be in an <br /> �r:��}���,�'.•�. iunount equal to one-twelRh of one-half percent of the ouGstanding princ�pal balance due on the Note. <br /> If Borrawcr t�nders ta Lender the full payment of all sums securcd by this Security Instrument,Borrower's accaunt <br /> :��r.•s••_c- -•'' �' shall be cn:dited with the balance remaining for all installments for items (a), (b)and (c) and any mortgage insurance <br />' ' � ' premium instnllment that Lender has not become obligatcd to pay to the Secretary,and Lender shall promptly refund any <br />`� � - '::� �.�-s'• excess funds to Bormwer. Immediately Prior to u famclosure sale of the Property or its acquisition by L.ender,Borrower's , <br /> _,.,,,.; : ..__ t account shaU be credited with any balance remaining for all installments for items(u),(b)and(c). <br /> 3. Applic.�tion of Payments. All payment�s under Paragraphs I and 2 sh:�U be applied by Lender as follows: <br /> � � • ' . rj�ST,to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly ch:u�ge by the <br /> ' � Sec�t�vy instead of the monthly mortgage insurance premium: a M^.r a� Fl q , „rhrr h��a�r1 <br /> .. ' ' . • �S�UNll��0 811y�a7(CS�SpCC131 ASSCSSIIICtllS.lC3t�C1IV3U��ity�i�ciu�vi��GiiPw�..... .:5:..........�.5.�,....-•"- _ <br />- - insur.uice pmmiums,as required; <br /> � � � " TH1RD,to interest due nnder the Note; <br /> �QUErfH,to amoriizaaon of the principal of the Note; <br /> ,. : �EI'H,to late chnrges due under the Note. ' <br /> • • 4. Fire.Flond end Other Hazard Insurnnce. Borrower shall insurc all improvements on the Property,whether now <br /> in eaistence or subsequently erected.against any hazards,casualties, and contingencies, including fire,for which L.ender <br /> requires insurance. '[l�is insurance shall be maintained in the amounts and for the periods that Lender reyuires. Borrower <br />- � � " shall also insure all improvements on the Property,whether now in existence or subsequently erected,against loss by floods _ <br /> � to the extent reyuinzd by the Secretsuy. All insurance shall be carried with companies approved by Lender. 'il�e insurance <br />' � _",' • , policics and any renewals shall be held by Lendet and shnll include loss payable clauses in favor of, and in a form <br /> . ,.� .' acceptable to,Lender. <br />"Jr:;„. ; . �. In the evcnt of loss, Borrowcr shall give Lender immcdiate notice by mail. Lender may make proof of loss if not <br /> =`=•-Y^"�' • made promptly by Bonower. Each insur.uice company concemed is hereby authorir.ed and directed to malce payment for <br /> "'`'�" � �� such loss directly to Lender,instead of to Borrower:tn d to Len der joint ly. Al l or any part of the insurance procecds may be <br /> " ' '"' ' `'� °�' applied by Lender,at its option,cither(a)ro the reduction of the indebtedness under the Note and this Secunty InstrumenG <br /> - " . ``"""�`'"` fint to any delinquent funounts applied in die order in Paragraph 3, and then to prepayment of principal. or(b) to the <br /> ' `� restorupon or repair of the dama�ed properry. Any application of the proc:eeds to the princtpal shall not extend or postpune <br /> ;�.'', , , the due date of die monthly paymenis which are referred to in f:+ragraph 2,or change thc amount of such paymenu. Any <br /> '° excsss insurance proceeds over an amount required to pay aU outstanding indebtedness under the Note and this Securicy <br /> ' - ' Instn►ment shall be paid to the entity legally entitled thcmto. <br /> .' In the cvent of for�eclosure of this Security Instrument or other transfer of titic to the Propeny that extinguishes the I `� <br /> _�;;_-`�.-- indebtedness,all right,title and intemst�f Borrower in and to insurance policies in force shall pass to�the purct�nser. <br />-- - 5. Occupancy, Preservatton, R4uintenarice and Protection o1' tlie Property; Borro�ver s I.oan Appltcation; I <br /> '° Leaseholds. Borrower shall occupy,establish,and use thc:Property as Borrowers principal rcsidence within sixty days � <br /> • " after the execution of this Securiry Instrumem and shall continue to occupy the Property:u Borrower's principal res�dance � <br /> •'�� for at least one year after the date of occupancy,unless the Secretary determines this requimment will cause undue h:trdship <br />_ =�r Cor Borrower, or unless extenuating circumstnnces exist �vhich are beyond Borrower's convol. Borrower shall notify <br /> Lcnders of nny exten�an?ing circumstances. Borrower shull not commit waste or destroy,damage ar substantially change <br /> � , the I'roperty or allow th�Propeny to deteriorate,reasonable ae:v and tear ex�cpted. Lender may mspcct the Property if thc f.,. <br /> - " Property is vacant or abandoncd or the loan is in default. Lender may take relsonable action to protect and preserve such <br /> vucant or abandoned Property. Borrower shall also be in default if Borrower,during the loan application process,gave <br /> � materially false or inaccurate information or statements to Lender (or failed to provide Lendcr with any material <br /> ' �' �� information)in connection with the loan evidenced by[he Note,including,but not limited to,repn�sentations canceming <br />� BorrotvCr�occupancy of the Property as a principal residence. If this Security Ins[�ument is on a Ieasehold,Borrower shall <br /> comply with the provisions of the leasc. If Borrower acquires fec title to thc Property,thc Ieasehold and Fee title shall not <br /> - . ;�: ' .. be mergcd unless Lender agrees to the mer�er in writing. I . <br /> 6. Chat�es to Sorrower�nd Protection of Lendtr's Rights in the Property. Bomowcr shall pay all gavemmental <br /> or municipal charges,fin�s nnd impositions that are not in�luded in Paragraph 2. Borcower shatl pay these obligations on <br /> -- � � .. time di�ctly to the entity whict� is owed the paym�nt. If failure to pay would adverscly affect Lenders intenest in the <br />-� _______ ___ Pronertv.upon Lender's m,qucst Borrower shall promptly fumish to Lendcr receipts evidencing these p:�yments. <br /> -�'-- ...�� <br /> ' � - -T If�Boirotivtr fails to make these payments or the payments required "oy rangrapn�,or �u������������� �.�....�..' � <br /> covcn:u�t�s vtd.t+greements contained in this Security Instrument,or therc i�a legal pra:ecding that may significantiy affect <br />, Lertder�s ri�hGS in the Property(such as a pmcceding in bankniptcy, for condemnation or to enforce laws or mgulntions), <br />-, � then Lender may do and pay whatever is necessary to prot��ct the valuc of thc Property and Lender's rights in the Property. I <br /> including payment of taxes,hvard insurance and othce nems mcntioned in Paragr.tph 2. <br /> My amounts disburscd by Lendcr under this Par�grspli �hall become an additiunul dcbt of iiormwer and be secumd I <br /> „ by this Security Instrumcnt. Tiicse amuunts shall bcar interest from the datc of disbuncment,at thc No[e rate,and at the <br /> -. option of Lender,shall be immediutely duc and payable. I <br /> ' 7. Condemn�tion. ''(lic procecds of:uiy awani ur claim for damagcs,dircct ur cuuscyucntial,in conncction�vitN any <br /> condemnation or other t:tkin6 of,my pan uf the Wmpeny,ur fur conveyanre in pl,icc�f condemnation,:►rc hereby vsiEned i <br /> � and shall be paid to Lcnder to thc extcnt uf the full amount of thc indcbtedneti�:that rcmains unpaid undcr thc Note and this � . <br /> Scc�crity Instrumem. Lender shall apply surh proceeds ro the n�duction uf►hc indebtednrss under thc Note and this Securiry ; <br /> 4' Instrument, first to an;+ dcliaquent amounts applied in the nnicr provid�d in Rir.��raph �, and thcn to prcpaymcnt of , ,. <br />-. , � '"'` �� • priricipai. Any application of thc procr.cds ro the principal shall not extcnd ur p��tponc thc duc datc of the munthly � <br />_ �, <br />_ � <br /> � " 1/n,1r z uf'J��¢rsl <br /> I <br /> , -- •- <br /> - ...�..�__.m.�rxr�,�ncnc.�ss,vr�cmv,zv.�iu�-.:=.�.-. --- <br />