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Agenda 12/10/2013 Item #16D 1 12/10/2013 16.D.1. EXECUTIVE SUMMARY Recommendation to approve five (5) satisfactions of mortgage in the amount of$52,652.50 of owner occupied dwelling units that have satisfied the terms of their affordability period or for death of the owner. CONSIDERATIONS: Recipients of affordable housing assistance are required to repay the County upon sale, refinance or loss of homestead exemption. Also, certain federal grant programs provide for forgiveness of the loan after a five(5)year affordability period or if the homeowner is deceased. Specifically, these applicants received assistance for residential rehabilitation assistance for homeowners that required necessary repairs to their primary residence. Each loan was provided using federal HOME Investment Partnership Program(HOME) or Community Development Block Grant(CDBG)funds. The applicants listed below have fulfilled the restrictive covenants relating to the affordability period, as well as the restriction on sale, refinance and loss of homestead exemption; or are deceased. The applicants' compliance with the grant terms have been monitored and each is entitled to forgiveness of the assistance provided. Name(s) Met Deceased Grant Type of Assistance Forgiveness Affordability Program Provided Date period YorN YorN Vanessa A. Y N HOME Residential $12,605.50 3/14/2013 Howard Rehab Novella Y N HOME Residential $14,925.00 11/4/2013 Williams Rehab Joseph Y N CDBG Residential $8,155.00 10/31/2013 Flores & Rehab Jennifer Flores Lori Sidbury Y N CDBG Residential $5,342.00 11/14/2013 Rehab Gladys Y N CDBG Residential $1 1.625.00 6/10/2013 Gould Rehab Total $52,652.50 Approval of this item will authorize the Chairwoman to sign the satisfactions of mortgage for owner occupied affordable housing dwelling units that have satisfied the terms of assistance provided. Following approval and execution, the documents shall be recorded in the public records of Collier County,Florida. Packet Page-1397- 12/10/2013 16.D.1 . FISCAL IMPACT: There is no fiscal impact since there is no recapture of funds; these grant funds are forgivable upon satisfaction of the affordability period. The $10.00 Recording fee required to release the mortgages will be paid from CDBG fund 705-33289.1 or HOME fund 705-33290.1. GROWTH MANAGEMENT IMPACT: None. LEGAL CONSIDERATIONS: This item is approved as to form and legality and requires majority vote for approval.—JAB STAFF RECOMMENDATION: Approve and authorize the Chairwoman to sign five (5) satisfactions of mortgage for owner occupied dwelling units that have satisfied the terms of assistance provided or for death of the owner. PREPARED BY: Wendy Klopf, Operations Coordinator,Housing,Human and Veteran Services Packet Page-1398- 12/10/2013 16.D.1. COLLIER COUNTY Board of County Commissioners Item Number: 16.16.D.16.D.1. Item Summary: Recommendation to approve five (5) satisfactions of mortgage in the amount of$52,652.50 of owner occupied dwelling units that have satisfied the terms of their affordability period or for death of the owner. Meeting Date: 12/10/2013 Prepared By Name: KlopfWendy Title: Operations Coordinator,Housing,Human&Veteran Se 10/9/2013 2:56:36 PM Submitted by Title: Operations Coordinator,Housing,Human&Veteran Se Name: KlopfWendy 10/9/2013 2:56:37 PM Approved By Name: MesaNancy Title:Accountant,Housing,Human &Veteran Services Date: 10/10/2013 4:58:31 PM Name: Bendisa Marku Title: Operations Analyst,Wastewater Date: 10/11/2013 2:35:12 PM Name: AlonsoHailey Title: Operations Analyst,Public Service Division Date: 10/15/2013 9:58:44 AM Name: GrantKimberley Title: Interim Director Date: 10/15/2013 5:55:56 PM Packet Page -1399- 12/10/2013 16.D.1 . Name: SonntagKristi 10/28/2013 1:37:31 PM Name: BelpedioJennifer Title: Assistant County Attorney,County Attorney Date: 10/29/2013 9:52:04 AM Name: RobinsonErica Date: 11/4/2013 7:51:58 AM Name: CarneliSteve Title: Purchasing/General Services Director Date: 11/12/2013 2:35:08 PM Name: BelpedioJennifer Title:Assistant County Attorney,County Attorney Date: 11/14/2013 3:07:41 PM Name: FinnEd Title: Senior Budget Analyst, OMB Date: 11/14/2013 4:48:02 PM mak Name: KlatzkowJeff Title: County Attorney Date: 11/14/2013 4:52:31 PM Name: StanleyTherese Title: Management/Budget Analyst, Senior,Office of Manage Date: 11/18/2013 12:19:24 PM Name: OchsLeo Title: County Manager Date: 11/19/2013 2:07:01 PM Aftwk Packet Page-1400- 12/10/2013 16.D.1. Prepared by:Wendy Klopf Collier County Housing.Human&Veteran Services 3339 E.Tamiami Trail Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS:That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Vanessa A. Howard to COLLIER COUNTY, • recorded on March 14, 2008 in Official Records Book 4339, Page 0117, of the Public Records of Collier County,Florida,securing aprincipal stun of S 12,605.50 and certain promises and obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage. • COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by th.e Board of County Commissioners on - �_., ,2013,Agenda Item Number — ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E.BROCK.CLERK OF COLLIER COUNTY,FLORIDA • By: By: .DEPUTY CLERK GEORGIA A.HILLER,ESQ.,CHAIRWOMAN Approved for form and legality: Jenm er A.Belpedio Assistant County Attorney Packet Page-1401- - 12/10/2013 16.D.1. ow 4139785 OR: 4339 PG: 0117 1003IIIG f IOW OOC8/5O1I PIGS IICOIDID 10 the OIIICIIL MOM of COLLIII COKTT, IL MLD 12005.50 IITI1OI[ICS 13/14/2001 at 02:11111 PYUiT 1. 110CL, CLIK 05111 12005.50 11E121 ILO[I 252 5711 KC Till 35.50 Pro)adNumber NM 04-054017 DOt-.35 WO MORTGAGE THIS MORTGAGE('Swurfty Insbumunl')is given on .The Mortgagor Is: Vanessa A Howard,a single woman reanowel.Thie:3waasyIndorse* is give,to rdlIer Caod (lender),phial*organized and slang under the rasa of the United Suns of America,and whoa eadrees i 3osd Nom immftge Dave Se tta NeWas Aor 54101 Scrim&coos Lander,a sun of Mil dpsle eyWwrosd byBoomersa Nolo Oiled roomy date a this Smoky Instrument('Mortgage').alieh provides for the fug debt a rot Paid wader,due end payable On*ants d die.sale d property,refinance.or loss of homestead ascription. This Morti.g,oral be forgiven at the live(I)year anniversary did of mortgage. This Seaaiyr Instrument leases to Lender.(a)the repayment of the debt evidemed by the mortgage,and al renewals,extensions and modifications;(b)the payment of all othw sums.under WWI*h 7 to Crolad Ore sweaty of the Security Instrument and(c)the palominos of Borrowers cowrures and*groomers*under Oils Searcy Mammonist to Mortgage.For this purpose,Bonmr+wdoes hereby mrwyt Lender the foblMng described propntyloosed In Colter County,Florida. More patiailany described as: Lot 30,UnIt 1,Prim Ridge Subddalen,according to the Plat thereof recorded In Pad Book e,Page ILd the Public record.of Comer County,Florida. FOLIO I U121200009 and which has the address of (Tropety Address'), 707 Palm Ridge (Street) beeolalee FL 34142 TOGETHER WITH WI the improvements now or hereafter erected on the property,and all eeserwss,rights, appurtenances,rents,wattles,mineral,*and gas Apes and moats,weer rights and slick and ere bares nowor helder.pan d Security D> Security y e t shall also cover all replacements and additions.All of the foregoing is referred b In this instrument as the"Property'. BORROWER COVENANTS that.• ' t ` property described above,and hes We right to mortgage,the Property and that the Property ;�tt47., .fit...- -'�s►' Serowarwaranbandwfldefendgsn srdythe *lee b the Property against ail dairy and• wr lib d record. THIS SECURITY INSTRUM ;,417'I''' and rton•uifommcoveants with lniled• variation by jurisdiction b wrslbe a . UNIFORM COVENANTS. � 1. TERM,:The Borrower(s) • • y�M-7�' e • Loan,'Pia tams of whbh are Inteded b ensue that any Horne o •.... I slni"tyi.`, . ;,r;, ' . the the satlon otitis Poverty are recaptured and utilized b assist 1y requirements are The Herron of this ,• • .. •- require • - .esthemeconiplyalliths the aker following co ndllbns and. • . . .Borrower shed occy the- their windpel roe• Property Is not allowed even on a temporary basis. Failure In abide by .. ooprpai y regli In foredaue. The Borrower shall be required to stead pmowet Oncost••. • 74"Z"'..._;--_ on _w,.. ,-- begi nnkgal the eviverseyof the(islyuw accustom*end annually until the end d Me ..177 ,-7-"a.. •• shun Include:de:proof of homeslndearnplbn, copies of paid roaipte for sae and insurance, ,r for owner-occupied Property Meng Coater County as Mortgage Holder. If the Borrower fees b• • '•• . proof of occupancy n.linty mane,Vie Lender may contract with an independent,tie company In perform the necessary We lec.Nda4an,the cost of which we be added to the principal amount of this Mortgage. In the event Me Bonower(s)cease principal occupancy,transfer.sir or in ay manner dispose or al ora portion of the Property With is ethic*b the Mortgage prior b ftilling the agreement and thewide/the anorezdon•than the***demount of this Mortgage shell became immediately due and pyabls. The knew shed net refinance the indebtedness secured brills Mortgage.TheLatdarpbrb 0re001n0 approval Vial resew Wepropoeed ra ina ring n order bordure that therewll be sufficient souk,shore*Piopamtflh rndrpbrerepbretheHOME monist.The tender consents to eryagreement orarre ge ne,l in which tie First Lender waives,plstporue,Went,redraw a modifies any provisions d Pis First Note or the First Mortgage,Including ay modem requiring the remanen of.nary. The Borrower shall immodesty odatety contort the Lander to obtain approval shouts thy desire In bender,enaign,eel or In any mane dispose of ell or a portion of the Property,which Is surfed to thls Mortgage piorb(tilling this agreement end the and of the amortization period.Contacting the t.nderwal also emtI*that the Security h ethane sway be appropsiately reduced Incr anenteey for each year of the.Rordebalty period,according to an anorezadon erMdue based on the anniversary date of the dale the mortgage was recorded.The Lender shall have Vie suWcrlty to disapprove any disposal where the proceeds of such would be less than kW-mantel value as determined by en independent appraesi by s Slate C Furred Residendel Appraiser. If there is no net proceeds from Vie foreclosure.repeym rtisrotregraredI dH01Erequtesretseansldersdtobe *aliened. In the event*the death of the Borrower(.)prior to expiration of the affordability period has been attained,all of the debt will be forgiven. 2.Tam.The Mortpapor wut pay all twee.assessments.sewer rents tweeter mei piton to to moue deny peWder or interest thereon. The Mortgagor Mull pay or cause to booed,as the ante respecllvely become due,(AX1)ore taxes and governmental Barges d any kind whahosverwNCn may at any Ins be gating assessed or levied awning or wth respects)the Propettyr,(2)all utility and other drogue.nduding*anise dtages'.imainad or Imposed forgo operedwi.maklaaao..rise,oopgancy,upkeep and ncrove entof thePr ope rty,and(3)elIasesametstrotsrgove mentaichargesMetmayl wausybepedin butdrrnb over a peed of yeas,the Mortgagor pee be obligated under the Mortgage to pay or cave to be paid only such Istaama to as are required to be paid dung On tam of the Mortgage,and Wien,pronely aderete payment of any or fie oreioloi.forward to Mortgagee evidenoe of such payment Page 7. of 4 Packet Page-1402- 12/10/2013 16.D.1 . OR: 4339 PG: 0118 r' 3. Application of Payments. Unless applicable law provides otherwise,all peymerts received by Lender shell be ippNed:fist to prindpel due;and last to any lets tlnws due under Me Morgspe. 4. Charges:Liens. Borrower shall pay all taxes,assess a nb.charges,fines and impositions etelbutable to the Properly,wnidn may again priority over this Smiley instrument end leasehold payrrents or pound rents.If any Bcnoaer shell promptly furnish to Lender alt notices of amounts to be paid under the paragraph,and all receipts evidencing the pay ens. Borrower she promptly dgdhoree any lien which has priority over this Security instrument unless Banner(a)spells In Piing to the payment of the obligation seared by Si.Nan In a manner acceptable to Langer:(b)confess In good filth the lien by.a defends against enforcement of the Nen In,legal proceedings which in to Lenders opinion operate to prevent the enforownwld the Nen;or(a)moires from to holder of the Nen an agreement satisfactory to Lender nubadnii g the Nen to this Security Irsbunsnt. If Lander determines that any pat of the Property Is subject to a Nen.WO may again priority over the Security Inert anent.Lender may give Borrower a robot Idenlerng the ten. Boomer shall sagely to Nen or take one or more or to intone set forth above within 10 days or to issuance of notice. 5.Haab or Properly lnnxanoe. Borrower shell keep the improvements now existing or hereafter waded on the Property Inured repent toes by fire,herds included vAlin elegem"extendedtloveege and any other Ward.including IMP or flooding.for which Lander requires herners:a This Insurance shell be meiria de,In Si.amounts and for the periods that Lander requires.T eiraoe owner pwldmg to insurance shoe be chosen by Bawer subject to lenders approvat welsh abed not beurweonabIyIthUd.If Borrower Isis tomaillancoverage*seabed above.Lander may,et Lenders c llatobbin oovbrepab protect Lenders sights In to Property In aomndanw with pwagraph T.At all Imes Indee Mortgage Is outstendnp, to Mortgagor shall maintain insurance with respect te the Premises spinet such risks and for such wnoinb as we webmwty Insured agent and pay,as the same berme due and payable,all premiums in respect twee.Including,but not lMSd t,all- risk insurance protecting the interests of to Mortgagor and Mongoose spinet bas or damage to the Premises by fire,lightning, and other asudtee Customarily insured against(Including bolter explosion,if appropriate),with a uniform standard extended coverage endorsement,including debrle removal coverage. Such'neuron**at all times to be In an amount not less then the full replacement cost of the Premises.exdussre of fooling.and foundations. Al insurance polities and newels shall be axeptsble to Lander and slap idude*standard mortgage clause.Lender shall have the right b hold the policies and renewals.t Lander requires,Borrower shall promptly give to Lender a receipts d yad premiums and renewer notices.In the eventd bas,Borrower shalt give porno(nolcebthe isuaw ardor and Lade.Lender may make prod of has If not mods promptly by Borrower. Unless Lends and Borrower otherwise epee In writing.insurance proceeds shell be applied to reslarallon or repair of the Propertydemaped,Ogre reiteration or repair is ewnornkeyfawlble end Lenders security is not lessened.If the melodeon or repair is not economiclyferelble or lenders smutty would be lessened.the insurance proceeds shalt feappied to to suns secured by Si.Seedy Instrumrrt,whether or not then due,with any ewes paid to Borrower. If Borrower abandons the Property,or does not gnawer within 30 days a nobs from Lander that the insurance canter has offered to sets a drip,pen Lender may coked the isurenoeproceeds.Lender may use eproceedsto repairoresbnt*Properyobpayaenesaned by this Security Instrument,whether or not ten due.The ' • • ..wet begin when the notices mailed(Mess Lefler end Borrow etwebe spree in wiling,any .. "-•-,' shat not extend or postpone the due data d to monthly peas referred to In paragraph 1 ,• .«she' .. N older paragraph 21 the Property b acquired by Lender,Borrowers righl to any ma , • .,p •from damage to the Property prior b the acquisNbnshdpestLederbte ,e;:„'" . secured bytes .L Nnnediudy prior*OhesapuIMbn. l Oecupa cy. mans and Protection of Borrowers Loan Application. Lesaelroh s Berromr altMooapy, r,�.• u resldrhotwfthihofbdydaysaMrte execution of tMs Searcy instrument,,j,� • • ore+•' !� s pdndpal residence for at least to etadabliy period after Msda of•••T• , _ s - Z 7). consent shell not be unreasonably withheld,or unless extenuating• r uniir' iii i4 n M►�/_ Borrower shat not dasgoy,dredge or impair the Property.slows the - �J W ....► Borrower shell be M default N any forfeikne„Alan oprooeedig, ,'!l .,u�tftt �i{lm�lh. .'1r' judgment could reWtinforfelbnd tePropeyorotherwiaemumewy r♦ '-'1-'...'7.-- """to 7,1 • security Merest.Barwmmay cure such a default and reinstate,es 1� In paapreph 1B,by ea• • ' le be dismissed when s ruling tat in lenders good fawn • • „,;;; • •tides forfeiture d . c-. ^ In the Property or other material t 7,. Impairment d the lien sealed by this�, h Ywtnnrhsrt or - ,,,�, � Borrower shall also be in default N Borrower,during the kenapplicaion• • rnaterialyfalseorin • or statements bLander(or fated b provide Lender ear any material !`I with 111s loci ti, the Mortgage,ehdfiuding,but not lifted to, representations orrosrnlrg Borrowers• t' a, .4 residence. If tits Security Instrument Is on leasehold,Borrow shetmmplywthatthe• • h acquires teeeeeblheProprty,teleaseold and the for gee shag not merge unless Lender agrees b. . %f 7. Protection of Lenders Rights In the Property. If Borrower file to perform the covenants and agreements contained in pas Seusity Instrument,or there is s lapel proceeding that may signitceray ailed Landers rights In the Property (such as s proceeding In balouptcy.probate,for condemnation orkxfelture orb enforce law orreputalrns).then l.erdemrydo and pay for whatever is necessary to protect the valued to Property and Lenders rights in to Properly.Larders=Mono may include paykhp any sums secured by a lien,which hers priority ova this Smoky isbunenl,appaernng It court ping reasaeble attorneys'fees and entering on the Property to make repairs.Although Lander mey eke action under ids prepreph 7,Lander does rot have to do so. Any moans disbursed by Lender under this paragraph 7 WI become additional debt of Borrower secured by this Security Instrument. . I. Morfpsge insurance. If Lena.required mortgage insurance as a condition of making the ben seared by this Security instrument bomowersha l pay the premiums required In maintain to mortgage i araroek effect.N,it wry remark the mortgage Insurance coverage required by Lender lapses or mesas to be In aired.Boomer shall pay the Premiums required to obpin coverage mestere*equivaient b the nervy,Insurance prevbudyInuled,el smaubefartldyegdvtlerkbMsma to Borrower or the mogage Insurance previously In effect,from an Stamm morgage Irene approved by Lender.N rubseneaNy equivalent mortgage insurance coverage is not available,Borrower shall pay Lender each math s sum equal to one. aMh of the yerly mortgage insurance premium bang paid by Someway when the Insurance coverage lapsed or teased to be In effect Lender'MI accept use and retain these payments as a bas reserve In gw+dmorgage Insurance.Loss reserve peyments may no loge be required,at the option of Lender.N morrows insurance coverage On to amount and for the period that Lender requires) provided by an twine approvedby Lender again becomes evarlable and sobtained.Borrower stall payee premiums requredb maintain mortgage insurance In area,or to provide a loss reserve,until the requirement for metope insurance ends in accordance with any written agreement between Borrower and Lender or epplceble law. S.Inspection. Lander or its agent may make reasonable entree upon sod impatiens s d the Popery.Lender shall g ve Borrower notice at the time of or prior loan inspection spedfykg reasonable cause for the inspection. 10,Condeneution.The proceeds of ay read ordam her dsrmagu.direct or oaoequwilat,In connector with any condemnation dorm tldned any pond the Property.orforc nveyarosInNeudoardrmetlon.sshomeyaasigedardshell be paddle Leder.In the evert of a total t idrg of to Property,the proceed.Shah be tippled to the sums sewed by Ms Smutty kisthanernt,shasta-or not Stan due,wIth yexoess pad tBorrower.Inlhs event da wed taking of the Property,Mated'the fair market vatic Of the Property immediately before the taking is equal to or pester teen the amount cans sumesearedbyhe'urns secured by Smutty instrument this Smartly bpi reduced Mee amo unless Borrower and Lander unt d the proceeds multiplied asfol agree in ngfrem Inc j the WI amount of ere sums secured immediately before the taking,divided by(b)the fork market value al the Propertykrns6nalybefae Melaka'. Any balance shell be pad to Borrower.In the event or a weal taking of the Property in which the fir market valued the Property immediately before the taking Is lees than the amount of the suns seared lmmed telyforteteri g,unless BorowerandLrder otherwise agree In writing or unless applicable law°terwlsa provides,the proceeds shed be applied kite suns coed by this Security lrnelnanentwiielherornof the sum,ass then due.Unless Unless Lender and Bcrrower'ctiier'*lae.prseki*r*ç.any.ppi.. ... of prooseds to principal shat not extend or postpone the due date or be monthly paymets refined to In paragraphs 1 or change the amount of such payments. Page 2 of 4 I Packet Page-1403- 12/10/2013 16.D.1. OR: 4339 PG: 0119 11.Borrower Not Released,Forbearance By Lander Not.Waiver.ExMnsiand Memo for pawned or modification of amortization of the sums secured by Ids Sea sty instrument grated by Lender to any successor*Interest of Borrower shall not operao to release ore liability of the Myna Borrower a Borrowers summon in interest. Lender shark not be required to commence proceedings against any successor hi Interest or refuse to extend time terminator otherwise modify amortization of the Burro secured by this Security lnso rnent by meson of any demand made by the orbinel Bomar arl covern auobasars b I or remedy. Anylerb.srsnos by LeMer in exerdsing any righter re medyshM not be a Myer of a preclude the crudes deny des 12.Successors and Assigns Bound;Jeintand Several Liability:Co-signers.The aovwwds end agreements of this Security Instrument Busk bind and benefit to suooaeeore and assigns of Lender and Borrower,subject to the Provisions of Paragraph 17. Borrowers covenants and agreement.'hal be pa'and several. Any Borrower who oo•eipns this Security instrument but does not execute the Note:(a)le co•dgrang this Security kybu e d only to mortgage,greet and coney Ihat Borrowers Interest In ah.Proper"under Be bnms of ads S.eurly interment(b)is not personally obipand to pay the arena secured by cis Seedily knbunarh':and(e)ages that Lander and try other Borrower may agree to Mend,wally.forbear or make any regard to tie terms of this Security Instrument or Be Note erehout gut Borrower's consent. 13.Lean Ch es,IPeleen secured bytds Security MNrumen'isatieclbal rrehi0nebmebrasnloandirges, and that lee Is Melly Interpreted so that the Ir'wsst or other ten chaps ooleded orb be collected In commotion mu ea loan a Bed to permitted*nib,then:(a)any such loan charge pat be reduced by h•srnwn neosesary to hea,ay the dhageb to mantled lent and(b)any SUITS*reedy collected from Borrower Mic h exceeded emitted*ddb wIl be refunded to Borrower. Leger moot:noose b mere is round by reducing Ms prince.owed under the Note or by merrg adhcl pee nr*b Borrower. ta refund reduces pithdpS,the reduction Mil be vowed asapartial prepayment without any prepayment dirge under ere Note. 11.Notices.Any robes lo B o r r o w e r provided f o r Inter Security I n e b srhe*.hell beghan by dseverkng ft orby meant,k by Ikat dap moll unless applicable km required use of warm metro'.The notice pall be directed to the Progeny Address or any other address Borrower designates by notice to Lander.Any macs to Lend.shall be given*Sommer or Lender Men given as provided in this paragraph. 15. Governing Law:Severability. Federal law and the law at the jurisdiction in wIddh Be property is located shall govern this Security instrument. In he event that any provision or dame of this Security Instrument or the Note combs with eppllnde law,such conflict shall not affect ether provision,of his Security imbument or fa Note Midi tan be given effect without the co eldrhg provision.T o this and the proNSiors of this Se unity r,bument and to Note arodedated to be severable. 10. Bmrowarh Copy.Bonowmr pat be given one conformed copy of the Note and of Ids Security Instrument. 17.Tnu,sherotdi.Property or a BIru.Sclsitnt,,s.t Ni Borrower.tallr wry pen t the wspryor any Interest hk is sold or transferred for If a beneficial Intermit in Borrower is sold or tensioned end Borrower is not a nabs'person)without Larders prior mitten consent.Lander may.silts Ogden,rouardro immediate pyrront In isle of all some mooed by his Seedy tmananent. However.Lander shat not warders this option If federal tor as of ore data ef this Security instrument prohibits eremis. SLandrexurdsedIdsoption,Lwow shell• or aoopratlon.The notice phiprovide a period of not less than 30 dem from the dm the notice*• Borrow must pay a suns secured byPsSaaay mnruma'.t Borrower tab to patm �•.. . (77' •• Lender rey Woke anyrernedis permitted by this Security Instrument wMhout further to Borrowers light m - r or ,• Borrower still him as dent to have enforcement of this Scoubb 'm"'f�'' • Ilia:(a)5 days(or such Misr period s for egplleible law( kldPnafl •alhrhl wee of sae anvwr.contained in g's Security berrumenrr b ace Ogees Larger ail sums Mich then would b e dace •,al4h�hrl • had occurred:(b)sus and default any `�..7* Ai•TM Security instrument Indwilr g.but not limited to,reasonable'tome` ^ 'r1':4'� >*i. r • reake*saseBet toiondB* Security c Ins re Lenders rights w i r !Y" , 1, seared bylds 13axdy rashnw' remain niy.e m ff 7ZI •awned.However.�iOh y• • • �hot talIWYMthe based ap ahem urrdrr paragraph 17. ice^ ex ie. Sale of Noma:Chang•7,seMosr. The Note• •_;: *h in ore trot.(icgetaer with this Security kerumem)may be sold one rmarea y.prirnodose)Borrower� result inschagetnMeerdy(l.Wwrns the loan Serviced)that collects monk y. •�►v under the • y - rebumert There also maybe one or given Wean dumps of Mss Loin� ." •_• •. wed lunge d to Loan Sernicar.Borrower soup be of to new Loan Sinker rod the address Mich•a +•. • •Linde.The floaters*alaabo contain y o�tner end Inlomwtion reputed by applicable law. 20.Hazardous Substrates.Borrower shell not mos or permit the presence,use.disposal.shags.or Mae e of any Bova dour Substances on or in sae Property.Borrower shall not do,nor taw ani ne else to do,tnye'ng atedrig to PrOpery that is in violation of any Environmental Law.The preceding two sentences shut not apply to the presence.era renrpan Vii Property of smell qurrotem of Hazardous Substances hat are generally recognized to be appropriate to normal residential was and to maintenance nrwe d the Property. Borrower rhea promptly give Lender rattan notice for any Innesegation,dam,demand lawsuit or other*Mon by say povennemal or reybarry mummy or private party involving he Property end any Hazardous Subslence Or Er rurnrad Lew of witch Borrower hs.cruel**Madge. If Borrower*erns.or is rotated by any povamaerya or rsguwory raihonky,eat any removal r other remediution of any Hazardous Substance affecting Be Property Is necessry,Borrower shall promptly be sit necessary remedial actions in accordance with Environment*Law. As used In this persona*20,'Hezandous Substances'are tom substances leaned is badcor hatadous substances by Environmental Law and the following substances: gasoline,kerosene.other tenable or bode Patrolssn products.took peeacides and hrbl dds,volatile advents.material crnalnlrg asbst a rfampdpryde,end radioactive mrs**.As used in paragraph 20, means a 21.Acceleration;Remedies.Lender shalgbve notcetoBonowerpriorbacoeleraton followiingBorrwafsbreadhe( any covens'or agreement In his Security instrument(but not prior to aooalerstlon under paragraph 17 unless applicable taw provides ohsrwlsa).The notice shall spelly.(a)the default;(b)the action regained b cse the default(c)a dae.not lees hen 30 days from the date the notice is given to Borrower.by Mich the default mug be cased:and(d)that failure to an to default on or before the date epeda.d in to notice many remit In acceleration of to cans seared by ors Beadily Instrument,foredosw'e by kddsi proceeding end Meet Me Propuy.The notice shoe further dntomnBonw er ell right brereteleaterecOele tionand the right to assert In ore foner:sure process the ranehdaer a of•default or any other defense of Bonowrb aoc.lerMbn and foreclosure.If Be default is not cued on or before the date spedeed in ere notice,Lander.at b option,may require kmnectate moment intuit of al'urns snared Wells Seas ty k,rasrnnhwdehout further d.mrhd and may foreclose this Security inurement by Medal proceeding.Lender Mali be entitled to collect ail e rnanss*timed Inpuntingto remade,Imfei dinhaperagepu 21,Incuding,but not Witted to,reasonable a tomes fees and cost of the ties evidence. 22. Release. Upon payment of at sums secured by Bus Security instrument Lender sale release this Security Instrument.without Merge,to Borrower. Borrower shall pay any recordation cos*. 21 Attorneys'Fee..As used in this S e c u r i t y r stemenl and to Note,'a torneys'fees'shot t nude cry atlomeye ties awarded by an appellate coast. Page 3 of 4 Packet Page-1404- 12/10/2013 16.D.1 . *** OR: 4339 PG: 0120 *** 24 Riders to this Security kia ument If ors or more rldos es executed byBonowerand recorded together sith ibis Saki*Instrument.the covenenb and agreements of each such rider shat be incorporated Inb end shed mend and wpplsnsnt the cowards end agreements of Pa Security Imminent es If the rlder(s)awe a pet of this Security Instrument. (Cheek Applicable Box) r-h AO)ustade Rate Rider O Rate knprovsmrnt Rider 0 Condominium Ride ❑ °radwled Payment Rider 1.4 Fanny Ride Second Horns Rider CSoon Rider 0 BM sekly Payment Rider u al Peened Uric Denwopmmt Rice rn u Omer(s)(speeify SIGNING BELOW.Borrower acoepb and agrees to fie tears and covenants contained in tile Security Waimea and in any rides)executed by Borrower and recorded with K Sired,aaated and delivered in the presence of: Witness Signature. t �Jl 0! Signature: \� ,J)W ' k6)54. Vanessa A Hawed Witness Print Name:Wedil signature Sommer Witness Signature: Witness Pmt Name: Address: STATE OF Florida COUNTY OF Collier BIER COO Ihreby certify that on Min day,. t , officer duly sutra .•*► -state aforesaid end In the cowry aforesaidb take acknowledgements,personally • - - -- A _`.• to be the peson(s)described in end who executed the foregoing • • - - executed the lane for the purpose therein expressed. 0 P WITNESS my hand and ofTdel • County and • • • • My Commission Expims: .�•!.• . _ 't. 'mac.✓r° Motleys 're"' E C CR (SEAL) w omai ss m o i 3ttll6 EWES:i ti 2,M0 Ream to Collier County HMS Single Panay y Rehabs ladon Loan Program 3050 N.Horseshoe Drive.Suits 110 Naples,FL $4104 Project 0 HM 04.06-0017 GAGRANTSYIOME120044005 PROJECTS\SiNGLE•FAMILY REHABHoseed,Vanessa aWtartiage 5 yeses ace Page 4 of 4 — Packet Page-1405- 12/10/2013 16.D.1. Prepared by:Wendy Klopf Collier County Housing,Human&Veteran Services 3339 E.Tamiami Trail Suite 211 Naples,FL 34112 THIS SPACE FOR RECORDING • SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Joseph Flores 8 Jennifer Flores to COLLIER COUNTY, recorded on November4,2008 ,in Official Records Book 4405 , Page 1838 , of the Public Records of Collier County, Florida, securing a principal sum of$8,155.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges that the terms of the Mortgage have been met,and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this 12 day of December ,2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK,Clerk COLLIER COUNTY, FLORIDA By: By: ,Deputy Clerk Georgia A. Hiller,Esq. Chairwoman Approved to form and legality: Jennife"TA. Belpedio Assistant County Attorney Li / r q � , 3 Packet Page -1406- 12/10/2013 16.D.1 . uu; 4228799 OR: 4405 ?G: 1838 16L/ 195,00 It. IOOSIIG t TAU 11tiIC11 UC01010 is the 0/final 1160111 of COLLIM COORS, IL OSLI 1)55.10 IllIIOTIICS 11/01J2001 it 03:095 11IG1!I. /IOC1, 01111 UC AI 21.11 IITI: PIISCILLI OOUt III Sll2 000•.35 25,70 '' Proved/limber CDBG 00-07•008 MORTGAGE THIS MORTGAGE('Secud try Inarumenr)is given on OCT ,.3 f b' •2008 The Mortgagor is: Joseph Flora and Jennifer Flores,a married couple ("Borromee). This Security Instrument Is given to Collier County ("Landers,which le organized and existing under the law of to Untied Sees of Amen,and whose address 1.3301 E.Tamtaf►i TraiL Neel's.Florida 34112.Borrower owes Lender the sum of glaht Thousand One Hundred FEW Flee Wises end 001100(0156.001.This debt is evidenced by Borrower.Now dated the same date as tmls Security Instrument C'Mrtg•ge')•which provides for the lug debt,if not paid es er, Mee and payable on transfer of title,sale of property.refinance,or loss of homestaed ex emPeon.This Mortgage MS be forgiver at the Filet lath)year anniversary doe of morlgaga. This Security Instrument secures to Lander.(a)the repayment of the debt evidenced byt s mortgage,and an renewals.extensions and modifications;(bite payment of all other sums.under peregraoh 7 to protect the security of the Security Instrument:and(c)to performance of Borrowers coserents and agreements under Ms Seurity instrument and the Mortgage For th.epurpose.Borrower does hereby,convey to Lender to following descried price try bated in Collier County,Florida. More particularly described us:Lot 45,Palm Ridge,Unit NO.2,Collier County,Florida Folio•$6170060006 Address: r,02 Breaaewood Drive Immortal,e,Fl 34142 TOGETHER WITH all the improvements now or hereafter erected on to property,end all easements, rights, appurtenances,rents,royalties,mineral,oil and gas nighty and fronts,water nghb and stock and ell/sere now or hereafbra pert Of the property.The Security Instrument shall also coverall replacements and additions.AN of the foregoing IS referred to in this Security Instrument as the'Property'. BORROWER COVENANTS that Borrower is lawfully seized of the property described above,and has the right to mortgage,the Property and that the Property is unencumbered,except f of record.Borrower warrants end will defend generally de title to the Property against all daims are demands,subject • -1„ encumbrances of nerd. THIS SECURITY INSTRUMENT combine ""'!-•" .- national u e and nornuniform covenants with Mired vs n.lan by jurisdiction b crm.rut.a uni►orm .`�. « ropeny. UNIFORM COVENANTS. =• 7* `' t!'�. fo me: 1. TERMS: The Borrower)of this ~�vs been granted a"I, -epeyment Loan'the brtmof which reintended to any C.ommunity Dove- •• Omni(CDBG)fnds MUM e3Wilhite the rehabilitation of this Property are -- . 't -. er- home owner wee rehabllitetisn unless the affordebulity requirements are met. The tame of this M. ,. o , ;lip.��{�i�//,T� de as loop as tM makes comply writs the following eo r• an• p ,Borrower shall occupy to 'r prrncucpal • . , Property is not showed even an a temporary basis. Failure to abode by - ncpal oorapency nequi ,,, my foreclosure. The Borrower shall be required tosubmit proof of principal•--•-,. to Cohen County on a '!}' •on the anniversary of to erp•year occupancy and ennualty until the end • "�a.. ... ,:., ••1 !ryi:7proof shall include:proof of homestead exemption,copies of paid receipts for �y ,� for owner-0o apled Progerb keg Collier County es mortgage Holder.If the:• y occupancy in a timely manner,the Lender may contract bath an independent flee coneany -• '7•, •- • aeon,Me coat of which wit be added tot the Principal amount of this Mortgage. In the event he Borrower cease principal••- -, ,sell or in any manner dlepcee of of or e Morton of the Property wNch is subject to the Mortgage Prior to fuedlling the agreement end the and ofte amoizetion,then the principal wooed of this Mortgage shall became immadiatety due and payable. The Borrower shall not refinance the indebtedness secured by this Mortgage.The Lander prior to granting approval pee review the proposed refinancing in order to ensure that tare will be suffcent equity Arrive proposed reflnrnyrp to recepture the CDBG monies. The Lander consents to any egreement or enarhgement in which the First Lender woke.,postpones•extends, 'Mums or Medina*any provisions of the Fret Note or the First Mortgage,including any provision requiring the repayment of , money. The Borrower shall immediately contact the Lander to obtain approval should they chair to transfer.emir,sell or in any manner disposed all or e portion of the Property.which a subject to this Mortgage prior to Milling this agreement end the odd Ma amortization period.Contacting the Lender will also ensure that the Security Insuumrn may be appropriately reduced incrementally for each year of the affordability period,nneon:lig to an amortization schedule based on the anniversary date df the data Me mortgage was receded.The Lander shall have the authority to disapprove any disposal Mere the proceeds of such would be bas then fainese let value as determined by an independent appraisal by a State Certified Residential Appraiser. I there is no net proceeds from the foreclosure,repayment is not required and CD8G requirements are considered to be satisfied. In the event tithe death of the Borrower(a)prior to explretion of the,affordability pestod has been eaekrtL as of the debt will be forplen. 2.Taxes.The Mortgagor wit pay all taxes,assessments,sewer rents or water rates prior to to accrual of wry penalties or Interest thereon. The Mortgagor shall pay or cause to be paid,as the same mepectvely became due.(A)(i)all loxes end government., charges of any kind whatsoever which may at any time be lawfully assessed or levied egernet await nespecic eve Propety,Rise utility and other charges,including'service charges',incurred or imposed for to operation,maintenance.tee,occuPara',upkeep and improvement of the Property,end(3)all assessment*or other governmental charges that may lewh*y be paid in interments over a period of years.the Mortgagor shall be obigated under the Mortgage to prey or rouse to be paid only arch installments as ear required to be pad during the term of the Mortgage,end shagt promptly sitar the payment of any of the foregoing,forward to Mortgagee evidence of such payment. 3. Application of Payments. Unless*Portable law provides otherwise.ell payments received by Lander shall be applied:first,to principal due:and test,to any late charges due under ins mortgage. 4. Changes:Liens. Borrower shell pay at taxes.esessrnsnts,charges.tires and Impositions arohbutetre to to Property,which may amain priority over this Security Instrument,and leasehold payments or ground rents,I any. Borrower shaft promptly furnish to Under all notices of amounts to be paid under this Pragrsph,and as receipts evidenarg to payments. Borrower shall promptly discharge any Ten which has priority over this Security Instrumentuhleae Borrower.(a)epees in were to the payment of the obligation secured by to Nen in e manner somptebe to Lender,(b)contests in good rash eve Men by.or defends against enforcement of the lien In,legal proceedings whkd In the Lenders opinbn operate to prevent the enforcement of the Men:or(c)mounts from the holder of the lien en agreement N stactory to Lender subordinetirg the lien to des Security Instrument If Lender determines that any pen of tie Property is subject to a lien,overt may amain priority over the Security Page 1 of 4 Packet Page -1407- N. 12/10/2013 16.D.1 . OR 4405 PG: 1839 Instrument Lender may give Bonner a notice identifying the rain. Borrower shell satisfy the lien or talc one or more of the actions set forth above within 10 days of the nuance of notice. 6.Hazard or Property Menem. Borrower shall keep the imprvwrtantt now exleting or hereafter ended on the Property insured against low by fire,hazards included wean lie term'emended commies'and any oeer henna.kldu&rg bode or(boding.for which Lender requires ineuranoe. This Insurance shall be mainebrd in the amounts and for the periods that Under requires.The Insurance carder providing the insurance shall be chosen by Borrower subjset fo Lender's approval seen shall not be unreasonably withheld. If Borrowerfais to maintain coverage Morbid above.Lender may at Lender's option,obtain coverage to protect Lenders rights inns Property In accordance with paragraph 7.At el times that the Mortgage Ls outstanding, the Mortgagor Mau maintain insurance with respect to the Premises against such risks and for such amounts a ere aRlomarly insured agent end pay,a the earns become due and payable,all premiums in respect thereto,inducting.but not tined to,sA- risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Promisee bytes,lightning, and other casualties customarily insured again(including beer explosion.if appropriate),with•uniform standard extended coverage endorsement.including debris remove coverage.Such Insurance at aq times b be in an amount not less than the W A replacement cost of the Premises,exclusive of footings and foundations. M insurance polion and renewers shell be.00spabte to Lender and Mel include a standard matgage cause.Larder shall have the fight to hold the police,and renewals.If Lender requires,Borrower shall prontplygive blender art receipts of paid premiums and renewal notices.In the event Of Ices,Borrower Mail give prompt Mee to the Insurance corner a id larder.larder mew make proof of loss if not made prerne'by Borrower. Unless Lender end Borrower oetenia agree in wilting.insurance proceeds step be applied to restoration or repair of to Property demegad,if the restoration titmice eanomioliy feasible and Lender's security is not lessened.if the restoration or repair a not economically feaelbie or Lenders security would be lessened.the Morena proceeds shalt be spend b the sum secured by the Security Instrument,whether or not then due,with any excess paid to Borrower. If Borrower able den*the Property,or does not answer within 30 days a notice from Lender that the insurance curler has offered to settle a claim,then Lender may coded the Insurance proceeds.Lender may use the proceeds to repars rntore the Properly or to pay aunts seared by this Security freemen,whether or not then due.The 30-day period wit begin when the notice is mailed.Unless Lander end Borrower Mftenviee agree in wiling,any application of proceeds to principal aloft not extend or Pcetone the due date of the monthly payments referred to in paragraph 1 or change the amount of the peymenle• If under paragraph 21 the Property is acquired by Lender,Borrowers right to arty insurance policies and proceeds resulting from damage to to Property prior to the sequiatlon shall paw to Larder to the extent of the sums secured by the Security Instrument immodesty priorto the acquisition. IL Occupancy, Preservatlon.Maintenance and Protection of the Property; Borrower.Loan Application. L.seseholds.Borrower Mau occupy.establish.and use rte Property as Borrower's principal residence within sixty days after the execution of this Security IMrurnent end Mail continue ropey w Bowers principal residence fa M leest the atortabeity period r after the data of... =.71-____,.,_,_,:.-a' +: a n wonting,which consent shalt not be unreesonaby writhheld,or unless enenuatI g-'- . " ' ". Borrowers Gonad Winner she*not dews damage orirpanthe � .'• '' �' Property,snows the-,..� or-• � the Pvppenly.Borrower shat be nd.euat E any laeilwe action or proceeding, '(�, •• criminal,Is begun that in •nth Judgment could result in fortNhee of the Property or oterense mentally ••• •by this Security I or Lenders security interest Borrower may Cre such a clef suh end reinstate. IT T"...• h int,. or Proceeding to be dismissed with e Ming that,in handers good faith• , tin the Property or other material Impenitent of the lien Crested by• -'r*"a..,, "•: Borrower shall also be in default If Borrower,during the loan application. .. !nt'1�}�+, �� ifs Y • • or anemone to Lander(a(led 10 provide Lenderwlh any mstarierIn r oln!� � ;.e ,. • ,including,but not limedto,,aj representation*concerning =• • ri. * -y�y jy 1 -. If this Security Instrument is on leasehold,Bonder shall comply • • • ' , r- . ale to the Property.the easeltold end tai fee title shall not merge unless •rises to the merger in _ i�.• 7. Protection of Lenders T..•„ In the Property. If- fa - to oownens and geem.ns contained in this Security Instrument, •1,^ a legal proceeding, w~ affect Lenders rights in rte Property truth es a proceeding in bankruptcy,• ••li•4 •• nation of forfeiture v• ill laws a mourners),then Lender r eydo and pay for whoever Is neopsay to• • 't n • the Property r" rights in Pe Property.Lenders action may include paying any sums molted bye lien,vent. 1•. � all s , ePon and r court r a rap reasoned,Land attorneys'tees and entering on the Property t m .,T. - may take action under this paragraph 7.Lender does not have to do so. Any amounts di$bureed by •a paragraph 7 Mall become additional debt of Borrower secured by this Searcy Instrument. . I. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument Borrower shell pay the premiums required to maintain the mortgage neurones in effect.If,for any reason,the Mon tage Insurance coverage required by Lender lapses or asses to be In effect,Borrower shed Pay to Prer iums required to obtain coverage substanbaly equivalent to to mortgage inwxsnc previously In effect at a cost subsantidy equivalsnto the cost to Bormwwr d the mortgage insurance previously knelled,horn an alternate mortgage insurer approved by Lander.It su densely equivalent mortgage insurance coverage is not amble.Borrower Mel pay to Lender each month•sum poet to onwlwelth of to yearly monosgs insurance premium being paid by Borrower when the insurance Governs lapsed or ceased to be in effect Lender will accept,use end retain these payments as e loss reserve in kw of mortgage insurance.Los reserve payments may no longer be required,tithe option of Lender,if mortgage insurance coverage(in the amount and for tte period Outlander regains) Provided by an insurer approved by Lender again becomes evellabie and Is cbleied.Bonner shall myth.pramfurs mound to maintain mortgage insurance in effect or to provide a loss reserve,until the requirement for mortgage Insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. ..Inspection. Under or is agent may make reasonable entree upon and Ispections of the Property. Lender shat give Borrower notice et to time of or prior to an inspection specifying reasonable cause for the inspection. 10.Condemnation,The proceeds of any award or Wen for damages,direct or co usequsnbal.in convection with sny condemnation orotertakingof e nypertdtoProperty,or forcaweyancsinlieuof condenmMbn,aretenetya agredandshalt to paid to Lender.In the events a total t tdng of the Property.the proceeds shell be spotted tone sums secured by this Security Instrument,waiter or not then due,with anyone's paid to Borrower.In the event of•partai taking of the Property,invent the fair market value of the Property immediately before the taking is equal to or green hen the amount of the suns secured by this Searcy treatment immedaay before the taking.unless Borrower and Lander oterwin agree in writing.the sums secured by this Security Instrument t shall be reduced by the amount oftie proceeds multiplied by the following wane:(a)Venial amount of to sums secured immediately before the taking.divided by(b)the fair market value of the Papery iivnedaayb•fae theOWN. Any belance shalt be paid to Borrower.In the event of a petal taking of the Prop.rtyin which the elf rr ikatvnueclueProperty immediately before the taking is less than the amount of the suns secured Minden/1y forthe taking,wises Borrower and Lender otherwise agree in writing or unwire applicable law°Mersi a Provides.the proceeds shell be applied to the saris secured by this Security Instrument whether or not the sums are than due.Unless Under and Baroasroewrnis.agra m oatag,snyapplkabori of proceeds to principal shall not extend or potion the due data of the monthly payments referred to in paragtaphe 1 or dance the amount of such peymen g. 11.Borrower Plot Relented,Forbearance by Lander Mote Waiver.Evanston of gr dm.for payment or modification of amortization of ere cos secured by this Security Instrument granted by Lender to any wooesaar in interest of Borrower shell not operate to reins*Pre liability of the original Borrower or Borrowers successors in intermit Lender shell not be Mundt* comm enceproceedingseg alsterysuiwaaorininter.storrefuseto extend teeIWpeyehentortinine sntodfyamortization of the time secured by this Security Instrument by reason of esydemand made by the ovine Borrower or Borrowers successors in interest.My forbearance by Lender in exetdsbg any right or remedy shall not be a waiver of or preclude the exercise of any right Page 2 of 4 1 Packet Page -1408- • , 12/10/2013 16.D.1 . OR: 4405 PG: 1840 or remedy. 12.Successors and Melpna Sound;Joint and Several Uabiller,Co• Igiwrs.The caveman*and agreements of this Security Instrument shell bind and benefit the successors and assigns of Lender and Borrower,aub)ed to the Provision of Pareprsph 17. Borrowers covenants and agreements shall be font and several. Any Borrower who owprra the Sea" Instrument but does riot execute the Note;(a)is co-sipring this Seamy Instrument only to frlonia04.punt and convey that Borrowers interest in the Property under the Isms of this Saaaity Instrument(b)is not personedy obligated to pay the sums secured by this Security Instrument and(e)agrees that Lender and any other Borrower may agree te extend,modify.forbear or make any accommodations with regard to the terms of me Security Instrument or the Noe without net Borrowers consent. 13.Loan Charge*.If the loan Warred bythn Security instrument it subject to a law which sets madmum bars Wrgees, and that law is finally interpreted*other the interest or other loan charges Collected of to be weeded in connection Oh the loan cooled the permitted limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the Permitted limit;and(b)any sums aeeady oolMerd from Borrower which weeded permitted limits twit be refunded to Borrower. Lender may choose to make this refund by redudng the pretest owed under Me Noe or by melting s Meet Payment to Bonner. Ifs refund reduces principal,the reduction**be treated as a partial prepayment without any pie prepaymerecharee udsree Note. 14.closes.Any notice to Borrower provided for In this Security Instrument shed be pen by delivering nor try meting* by first den mall unless applicable law required use of another method.The whew shed be directed to the PropertyAddress or any peer address Borrower designees by Mabee Lecher.My notice to Lender shad be given to Barowsr or Lender vnen Owen as provided in this paragraph. 11. Clowning Law;SevsreblNy. Federal law and the law of the prediction In which the property Is loald shall govern this Security Instrument In fee event that any prevision or clause of this Security Instrument or the NM conflicts win • applicabe law,such mete shad net affect other provisions of this Security instrument or the NOW which an be given effect without the welktimg provision.To fete end the provisions of this Security tstrumentand the Note are declared to be severable, 16. Borrower's Copy. Borrow shed be given one conformed copy of the Note and of this Security Instrument. 17.Trader olive Property era Beneficial Interest M Borrower.If all or any pert of the Property or any intend in it is sold or transferred(or If e beneficial Interest in Borrower is sold or transferred and Borrower is not a nature person)without Lenders prior written consent,Lender may,at its option,require Irenarleb payment in full of all sums secured by thie Security Instrument However,Lender shed not exercise this option if federal law as of the data of this Security instrument prohibits exercise. If lender exercised this option,Lender shall give Bonnier nova of acceleration.The notice shell provide a period of not lass than 30 days from the deb the notice al dellvered or mailed within which Borrower must pay all sums secured by this Security Instrument if Borrower fails to pay these sums prior to the expiration of this period,Lender may make any remodel permitted by this Security tenement without fuller • Borrower. IS. Borrower*Right to Reinstate, Vim;- ""3* • - Borrower shed have the right to have enforcement of this Security Instrument -. '7,. • ••,4: is of:(s)5 days(or such other period es appliabre law may specify for rei • �f"y ,� of the Property ,; any power of sale contened n this Security Instrument or(b)entry of a judgment Seartty Instrument we that Bornewer:(a)pays Lender•d sums which den would be due under and the Note ration had occurred,(b)CMS and default of any offer covenants or ' .. insured n enforcing this Smutty I ,, rep;end(Q)takes soda etsorm as Lander may reasonably require to . rights In the Prosrerty and Borrower's obligation M pay the sums secured• •Ice?,r+MJ Fro";let+ -r�. • upon reketeMment by Borrower,this Security Instrument and the obligati• • ► » • •• •acceleration had occurred.Hovrever, this right to reinstate shad not spiry' T► /• 4� _• • 19. Sale of Nate;Chan• . n- Meer. Nob the Note(together with this Security instrument may be sold one or more. • prier noes to Bo •. , ,•suit in a change n the entity(Hewn as the'Loan Service')that colloids mo M . due under the .:!; Instrument.Thane also may be one or more charges of ate Loan Serviosr *cam. •sale of the Note. ff•• 7- of the Lan Service,Borrower will be given written notice of ate Menge In aoco: paragraph 14 and •• - •.The nodose"eels the name and address of the new Loen Savior and the address b'''''"7, -•- • should•.,^. notice win sea contain any other nfomabon required by applicable law. ,,t�u�itir:G the presence,use,disposal,storage,a release deny 20.Hazardous Substances Borrower Hazardous Substances on or in the Property.Borrower sheltllB 116,nor anew anyone else to do,anything effecting the Property del is In violation of any Environmental Law.The preceding two sentences shed not apply*the Pretence,use,or storage on the Property of smell quantities of Hazrdoue Substances that an generally recognized to be approptlater to normal res{derrtiel uses and to me,ntenertoe of era Property.Borrower shall promptly give Lender written nods for any invesnganon,deim,demand, lawsuit or other action by any governmental or regulatory agency or privets pale involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knawedge.If Borrower Mamm or is noafied by any governmental or regulatory authority,that any removal or other remedlation of any Hazardous Substance affecting the Property is necessary, Bomowershad promptly lake all necessary remedie actions in accordance with Environmental Lew.As used in ens perapaph 20. 'Hazardous Substances`are those substances defined as toxic or hazardous subs ands by Environmental Law and the foaming substance:gasoline,kerosene,otter flammable or toxic Pe dleum Produdtr,toxic pesticides and herbicides,wok**solvents, materials containing asthma or fomnsldehyde,and redioeaive m terials.As used in fes paragraph 20,"Environmental Urn" Miens federal lawn and laws of the rent/ohm where the Property is located that relate to health,safety on environmental Protection. 21.Accelerebon;Remedies.Lender shall was notice to Borrower prior to acceleration folk:Wm Bomowers breech of any covenant or agreement in this Security instrument(but rot prior to acceleration under paragraph 17 unless appliabie law provides otherwise).The notice shall pecify:(a)the default(b)the action required to cure the default(de dace,notaries then 30 days hom tie dale ea now woven a Renewer,by which eve deeouk meet be weed:and(d)VW Were teems the default ono bares the date specified In ire notice may result in acceleration of the suns secured by the Security Instrument.forsdosure by pudidal pounding and sate of the Property.The notice shall further Morro Borrower of Ohs right*reinstate afterecosieratat and the right*maser in the toredosum process the nomexialence of a default or any other defense of Borrow to acceleration and foreclosure. If tie default is net cured on or before Me date specified In the notice,Lender,at its option.may require mmedlare payment n full of es sums secured by this Security Instrument witautfurther demand and may foreclose this Security nestmmsnt by judicial proceeding.Lender shall be entitled to coiled all expenses maned to pursuing the remedies provided Di this paragraph 21.including,but not limited to,reasonable Mornay'fees and casts of the litre evidence. 22. tome. Upon payment of all sums secured by this Security naeunent,Lender shell release this Security Instrument without charge,to Borrower. Borrower shall pay any recordation wets. 23.Attorneys'Fees.As used in this Security Instrument end the Note,'attorneys'Sass"shall include any eaorneya'fee awarded by an appellate court. 24.Riders to MM Seeurlty Instrument.If one or move riders are executed by Borrower end recorded keener with eve Security instrument erecovenanbandagreem ents of eachsuchridershallbeincorpa abdintoandsheden+atdardspple ent the comments arid agreements of this Security Instrument as If the nder(a)were a part of this Seamy netnetenl Page 3 of 4 , 1 —Packet Page -1409- , 12/10/2013 16.D.1. it** $8.50 OR: 4405 PG: 01840A Iii (Check Applicable Box) O AAJustable Rate Rider ❑ Rats Improvement Rider 1--I Condominium Rider O Graduated Payment Rider 0 1.4 FaNy Rider 0 Second Home Rider 0 Saloon Rider 0 Biweekly Payment Rider 0 Planned Unit Development Rider r1 (--r Other(s)(specify SIGNING BELOW,Borrower somata and agrees to the tone and covenants contained in this Security Instrument and n any Weds)executed by,•y • and recorded with K Signed.waled and• ji--:in the• eof: WlbrseeSgnatura: •• . ./ . SgneYu: Li/ ~ •^x. t ea WIYesa PrknName: . . - I. • Spnatule.�A .. . W4•. . Borrows exult• r Flores Witness Signature: Witness Print Name Address:602 Breezewood Dews.immokalee.FL 34142 STATE OF Florida COUNTY OF Collier ii- ,, )RCOOT I herby wrtlly that on this day.. , aforesaid end in to county dorasald to•MU acknowledgements,personally .. 111/11710L.;_•__ ..- •' !b� I a 4 • Snow to be the person(s)described In and who v " . ' • . me neat HE/SHE1T}IB1S sxaatMd Ow same roe the Purpose therein aP Sys+ WITNESS my hand and official seal • `• my and State aggress', . �I� My Commieelon Expires: r t•.ii a .,,'/��re, I -ye Printed Hama ".1 (SEAL) }} :a. i --oos„aat Return to Collier County Housing&Human Services 3301 E.Temlami Trail Bldg H 011 Naples,FL 34112 Ann;Priscilla Done Phone: (239)252-5312 Fax: (239)2528518 Prom CD 03-07-049 Page 4 of 4 Packet Page -1410-- 12/10/2013 16.D.1 . Prepared by:Wendy Klopf Collier County Housing,Human&Veteran Services 3339 E.Tamiami Trail Suite 211 Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Gladys Gould to COLLIER COUNTY, recorded on June 13,2008 ,in Official Records Book 4369 , page 3309 , of the Public Records of Collier County,Florida, securing a principal sum of$11,625.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges that the terms of the Mortgage have been met, and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this 12 day of December , 2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK,Clerk COLLIER COUNTY,FLORIDA By: By: ,Deputy Clerk Georgia A.Hiller,Esq.Chairwoman Approved to form and legality: Jennifer A. Belpedio Assistant County Atto Packet Page -1411- 12/10/2013 16,D.1 . asegzstacto .p„ MORTGAGE THIS MORTGAGE('Security kaauner4')is given on b//D/a K. The Mortgagor is: Gladys Gould a Single woman (•Borrower). 'nee Security lnseumeuk peen n_agape Citual d_('tandem which is repriced and erhWtg under therm d the United stabs of Amines.and Moss address is 25211 Noses hoe Or 0110 tiaras.Fl 34004 Borrower owes Larger lie sum of__ElaralIbemeagabaluadamaymeardagas3 i gg nar100 IS11.825.00). This debt is evidenced by Borrowers Nom ceded to sane dale es this Saaaeyr Immanent (' *brume"),which oeuvres for the rue eee.N not paid eerier,due and payable on trendier of Ilea,sale of property.rear once,or Mss of homestead seampton. Thee WHOM*WI be forpinn at the fifth Itit it briar annlwraw date et twoemaaa.This Security Instrument'mime Intender(a)to repayment of be debt evidenced bytemongags,and et renewal,eeaMebtsrid madiriwtiw:(b)the payment of all other gums.under paragraph 7 to prose me seartyof the Security Instrument and(c)re °M Performance()Monomer's covenants and agreements underlie Ssaaay istrafwd and to Mopage For erispuposs,Borrower don th•sby,otnvey to Lender me following deaclbed property totaled In Colder County,Fbrfda. Mon particularly described u:Lot 18 Block 2 S Itnmokalse Heights Collier Count Florida. Folloll 74031320002 °, „•1r • and wrfhlCh address h the address d: (*Property Address')412 S 310 St immokalee Fl 34142 w. CT TOGETHER WITH all the improvements now or hereafter erected on the property.tad id easements,rights, cry w eppurtenarrces.rents,myrtles,mineral,oil and gas rights and profits,varier Ogles and sack and ell!Mures nowcchereafterapan era 8 a of ere property.al replacements and additions that Mao be covered by the Security Instrument.All d the foregoing is referred to in this Security istrumsnt as the'Pmperiy. C; -.a BORROWER COVENANTS the Bomar is lawfully seized ci the property described above,and has the right to Csr $•••■ mortgage,ttePropartyand Mai the Property is unencumbered,eseosptfaraard.8orrowrwenanband41ds artdgan.delyIre CM X. NO to Me Property against all rains and demande.allied to any enournbrattes d record. t.rc °e THIS SECURITY INSTRUMENT combines uniform covenants for national use end non-uniforms covenants with ended or a.: variation by jurisdiction to constitute a urilorm security instrument covering reel properly. UNIFORM COVENANTS. Borrower and - . ,L and sores as follows: ax S Loan.' be.nddedto + ../.1. �!,.°ASd�pe amt 0 rt ,,.� � Block Grant(COBG)fuxleuatlaedbfaditate u* the rertebimtbn d this Property ere !'�: r - w�A.!�, •indorse home owner wbh rehabiratlmurdess era : to,edfonWbOity requirements are met v os CC o The We e of this • y,. to •, . long es e makers comae with the r" 'r' lotlowln°conditions and pro R^ temporary goinyeer shag b Failure occupy. X14•"1ts XI T,t( • «edi Is not Bo be 8: required to submit prod d pri pal ` • '• .10!}►N ' • •on the acre M° end ennuN urea the �'/ � mold handseled arst yw ;,; prod raxenhthtbrh, occupancy y r- �. - .. -�. � evade: dlMrrwlead copies d paid receipt;for tares .. and copies d owns I' Collier !,• • .ei •oCagled proPany ang County as Mortgage Haider. a the-• fails to provide muffed • «'r. Ins timely manner,she Lender may contact with an independent rte•• t the necessary••I1;+ .w!?Z• .the cost of which win be added to the principal amount of Ws Mortgage. 73 h the event the Borrower• _ :A•any manner dispose d a1 or a portion of to• el G Property Mich is subject to the Mortgage • • r i. . t•0 eve end d Vie amortization,then rte principal• C amount WINS Mortgage shell become• M. :t• r The Borrower shall not(Winona;the Intl • .• •by this Mortgage.The Lender prior repenting approval shat review the proposed refinancingitorderbensuetthatthere will be sulfident equity ehameproposedreinatdngb►ecagt ate tttt=` HOME monies.The Lender consents b any agreement or erreng ment in valid)the First Lender waives.postpones.edends, reclaims or modifies any provisions of me Fast Note or the First Mortgege,Inducing any provision requiring the repayment of ZS M. The Borrower shell lm mecately Contact the Lerderro obtain approval should they desire bl IMa,assign.see or in any manner dispose of all or e portion at to Roperty.tt,ich is subject to this stortpeps prior Mitigating this agreement and the end of j the amattertion period.Contacting the Lender wit also ensure gist the Security I ternam may be apprOP iatay reduced incrementally for each yew r the dfordabahly period.wording tcanarnatirsdonedvedule basedonthear ivasaydetedto 1 date the mortgage wet recorded.The Lender shell have all augustly to disapprove any deposal whin to Promos of suds ■ would be leas feat fair-market value as detenmsd by at Independent appraied by s Stem Certfied ResidedW Appraier. f j there we no net p r o c e e d s horn Me foreclosure,repayment i s no required erg HOME requirements reconsidered to be a ed. In the event of the death of the Borrowers)prior b expiration at eta afbroabIl'ty period rtes bean eamin d•as rte debt win be lorpNM. i 2.Tares.The Mortgagor 41 payee taxes,assessments,Sanwa Minor water rates pronto to eoaual Of any penalties or internee thereon. The Mortgagor that payer cause to be paid,as the same reepedivey become**.(AX 1)all tares and governmental charges of any kind whatsoever witch may at any time be Unduly assessed or levied egehstor with respect to the Propeny.(2)all utility and other charges,including'service charges',incurred or farmed for t eopereeon,mlintenarrce,use.oawpanc7,utbteep and improvement of the Property,and(9)all assessments orother g venvnentsl charges that may lawfully be paid M instalments over a period of years,the Mortgagor shall be obligated under the Mortgage to pay or Cause to be paid only such instalments as as required to be paid during to term of the Mortgage,and shell,promptly after the payment of any of Ire foregoing,forward to Mortgagee evidenced such payment. 3. Application of Payments. Unless applicable law provides otherwise,at payments received by Lender shall be applied:fret to principal der:and lest to any ire dhame.due tinier the Mortgage. 4. Charges:Lens. Borrower shall pay as Woes,assessments,drapes.fines and impositions adriblebie to the Property,meal may wain priority over this Security instrument.and leasehold paymneat orgmwrd ranb,if airy.Borrower shall Pro/MAY furnish to Lender at notices Of amounts to be paid under this paragraph,and all receipts evidehdng to payments. Borrower shall promptly discharge any hen which has priority over fee Security Instrument unless Borrower.(a)agrees Mottling to to payment of the obligation seared by the Wien in•manner amsptewe to Lender,(b)contemn in good Iabt the lien by.or defends against enforcement of eve lien in,legal proceedings velar,In to Lenders tenon operate to preventtheerdaereentd as Yen:or(e)saxes from the holder ce the ion an agrwner seeds:t ry to Lender subordinating the set to this Security kntrtmrht If lender deuemines Vial any pen of the Property is subject to ten.which may aaaln prior ty over to Smartly actions forth may 10 Borowe a notice Identifying the Yen. Borrower shall satisfy the Iien or take one or more of the days a the issuance of noire. Page 1 of 4 i Packet Page-1412- 12/10/2013 16.D.1. OR: 4369 PG: 3310 L Mauro or Property Insurance. Borrower sheS keep me improvements now existing or hereafter erected on the $ Property busied against toes by fire,henna included within the term'extended coverage'end anyosrer hazards.including hood Cr flooding,for*tech Lender requires Insurance. This Insurance stall be.maintained in Yee amounts and for the periods that Lender requires.The Insurance canter providing the krtprlce stns be demon by Bornmer sublime:to Lender's approve welch stab not be unreasonably withheld.If Borrower fails to maintain coverage d•apaal above,Lender may,at Lenders option attain coverage to protect Larders rights in the Property in acct ldatoe with paragraph 7.At ore Limas tact•Mortgage le outstanding, the Montego she/maintain insurance with respect to the Promises against such risks and for etch amounts as are meaner* insured against and pay.as me sane become des and payable,tie premiums in respect thereto.including,but not limited to.elk risk modulus protecting is intres%of to Mortgagor and Mortgages against loss or dance to the Premises byres,ligheino, and other casuaties customarily insured against(indudng bake explos ion.If pppropdw).with•uniform standee Wended coverage endorsement,including debris removal coverage.Such insurance at ail times to Os n en amount not lees tan to hll replacement cost of the Premises.exclusive ce footings and foundations. NI insurance policies and renewals shad be aoosptebla b Lender and Nhd Include a steward merged,delaa.Lerida' shall have the right to hold de policies and renames.If Lender requires,Borrower Snail promptly ghst sraral molepls d Pad Premium and renewal notices.In the event of lass.Borrower shell give promptnocce b m•nwawss crew end Lender.Lender may make proof of loss t not made promp y by Borrow.. Unless Lender and Borrower otherwise agree In waiting,neure roe proceeds shat be applied to reetoraeon or repair of the Property damaged,If is restoration r repair is'canonically feasible and Lenders Marty ie riot teseened•If le rebbredon or repair is not aoerontkaily feasible or Lender's security would be lessened,is Insurance proceeds Lase beexiled to is Nuns seared by the Security instrument weather or rot then Ave,with any excess paid to(knows'. t Borrower abandons the Property,or does not answer within 90 days a notice from Lender that the insurance carrier has offered to seals•dalm,ten Larder may collect the insurance proceeds.Larder may use the proceeds to repair or mom to Propelyor to pay sums secured by this Security Instrument,wester or not then due.The 30-day period will begin when tofleece Is mailed.thews Lender and Borrower otherwise agree in wailing.any application of proceeds to principal Mae rot extend Or postpone the due date of the monthly payments referred to in paragraph I or change the amount of the payments. if ureter paragraph 21 the Property is acquired by Lender,Borrowers ripen to any insurance ponders and proceeds resulting front damage to the Property prior to the acquisition Oak pass to Lender to s e extent of to sums seared bytes Scatty instrument immediately priorb tie acquisition. B.Occupancy, Preserva let. Maintenance and Protection of the Property; Borrowers Loan Application, Leasehold•,Borrower shill occupy,WAWA.and use the Property as Borrowers prinelpel residence widen sixtydels titer the exaction of this Security Instrument and Mat continue to oaupy the Property as Sonuwde principal resldenoa for at least to affordability period r after the date Of occupancy,unless Lender otherwise agrees in welling,which consent Nast not be unreasonably withheld,o unless enenuetnpd arris0ras etistahidhwe Winona Bonoweescontrol.know shatnutdesvoy, damage or impair the Property,allow the Propenyto deteriorate.or came wagon ere Property.Borrower that be in default if any forfaare action or proceeding,*Mather nil or criminal,is begun that in Landers good birojudgmwdmtld mettn foriNkse of to Property or o ereese materially Impeir the ten. .. .. .,Seamy Instrument or Lenders Security Interest,Borrower may are such a dfault and reinstate.as• • • • ,a.� the action or proceeding b be dismissed with a ruling list n Lenders geed faith 1l�?+i .'Jul,— ."l^'1.• • interest n the Property or other materiel impaimwe d the lien treated by Mb -� or y� interest. Borrower shat also be h default ff 44,Borroww.during d enapplcation meted*false or ' , or sentimenbbLergr(or fated so provide Lender with tiny materiel I". connection with the Wan the Mortgage inducting.out not limited eo, representation*concerning :. • J • •• a• • t this Security instrument b on teesaf a,8omowershatt ywi • . leefeebisPropety,theltamMnidand Ale Me fee We steal not merge :► des T 7. Protection of Le .M/ u, `�1s f,, . • the covanats and agreements•r' contained in this S YYY��t 5 +1 PlkiertY (such es a pr ceedi g lyln.. ' • , . •' ��. Men Lander t. s, and pay for w haever is necessary ••••• '�•• r • ,t air n the Prepare,.Lender's*des may include paying any suns secured• t iwhich has priority over' c eppwing n court.Wring rwonsde eloneye'lees and entering on the••! to make repairs, • • ! Tar• action under She paragraph 7,Lender does not have to do so. Any , •by Lender under•'' y• 7 snap become•lotions debt of Borrower secured by VW Security Instrument . a. mortgage Insurance. if VVYVV///11��►►►►► malgege ` cra:non of making is ben secured by this Security Integument Borrower shall pay the•—7t�.1f_u ':.. �,�� • •age insurance n select.t,ferany rowan.M reengage insurance coverage required by ••• ' • . •a WWI.Borrower shell pay the premluns required to obtain OOVerege substantially e>tivelenit the ntorig-• - in effect ate con.ubstelaNygilvalerttothe cost to Borrower of the mortgage insurance previously in effect,torn an ehematorralpag•insurer approved by Lender.a aieonday equivalent mortgage insurance coverage is nor available.Borrower shad pay to Lender each month a cum equal to onertiweftn of Si.yearly mrlpege insurance ere shun,berg paid by Borrower when me insurance COMM*Weed or Dewed to be in effect Lender WI swept,use and retain these payments as a has reserve in lieu of mortgage m uses.Loss reserve puymrhb may no longer be required.at the option of Lender,if mortgage insurance coverage(in the amount and torts period Stet Lender ti cares) provided by an insurer approved by Lender again becomes available and he obtained.Sommer shad part Piepromims required to maintain mortgage insurance in effect or to provide a ices reserve,will le regieteri nt for mortpege Insurers=ends in sec:wene with any wean agreement between Borrower end Lander or appikable law. V.Inspection Lander or its anent may make reasonable entries upon and Inspections of the Property.Lender shoe give Borrower ratio,at to time of or prior W an inspection specifying reasonable coup.tar She Inspection. 10.Condemnation.The proceeds or any awerdor calm for demeges.direct oroor eequenad.in connection wish any condemnation«other taking of any part of the Property,or for conveyance in lieu of aondernnadrl atlrebyassigned and shall be pad to Lender.In the event of a tote taking of the Property,he proceeds shelf be applied to the star seared ty this Seal* Instrument,seteror not then Clue,wim wry excises paid to Borrower.in to event d e podia/taking of the Property.In which she fed market value of the Properly immediately Maratha taking is equates c greeter than tai amount of the sums seamed by Sits Security Hstrwne nt Immediately before the taking,unless knower and Lender Wards.spree in wiling,the aims secured by Ws Security Instrument shall be retread by the amount of the proceeds multiplied by the fataving fraction:(a)tefod amountd the sums secured immediately before the taking,divided by(b)the lair market value lithe Property immediately beforelte taking. Any balance snail be paid to Borrower.In the event of a partial tatting of the Property Misted'the fair men et value anus Property immediately before the taking is less then the amount of the sums secured imnedatelyfortretaking,unlees Borrower and Lender otherwise agree in wane or uvess applicable law otherwise provides,the proceeds shall be applied to ate sums seeped by this Security lnapumentwhtq or riot nne sunia are than due.Unitise Lender and Sommer otherwise wares In eating,aryaippraardon of proceeds to principal shat not mend erpostpone media dare of la nanttey payments referred Win paragraphs h or c hanc e Vie mart of such payments. 11.Borrower Not Released,ForbeetnceBy Lander Note Waiver.Extension of the erne for peymetrmod ceeon of amortization of the Sums secured by this Securtly Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in insreeL Lander shell not be required to eanuneloe proceedings against any successor in interest or refuse to extend bine for parolee oromn*ss moray•rn:Onion of the suns secured by ails Security insuumentby reason of any demand made by the original Saroweror bomawere summons in Merest.Any forbearance by Lender in exercising any right or remedy shell not be a waiver of or preclude the exercised•nyrighi or remedy. Page 2 of 4 Packet Page-1413- 12/10/2013 16.D.1. OR: 4369 PG: 3311 12.Successors and Assigns Baud;Joint and Several=blYq;Cosigners.The comma=end agreements of tee Seasity tnwtsnent awe bind end bends the successors end assigns of Lender end Borrower.subject to the Prorieions d Paragraph 17. Borrowers covenant and egreenms=smell be joint and leveret. Any Boomer wf1 co-signs Viii Severity Instrument but does not execute the Note:(a)is co•slgning trio Security Instrument only to mortgage,gnarl and caw/tea Borrowers imeree In the Property under the firma of les Security Instrument(b)is not perednay dblgeted lo psy the sure secured bytes Security nsbumeni and(e)egress that Lender and any other Borrower rosy agree to extend,modify,babes or make any ecoorn noderiolr ankh regard tote tomb d Odle Security Instrument or the Note without that Bdnewe's dawn 13.LeenChargee.II en.ben seated by VU$ azbty Instrument*subjectto•lemehich eels marinum lam=met and that law Is finely interpreted so that tie interest or other loan dhapes coasted('to be Waeated In comedian with Weber exceed the paneled limits,ten:(a)any such loan charge shell be reduced Mar amore ebossany to reduce the dings to ale permitted limit;and(b)wry suns already oolected from Borrower weidn exceeded welted limps wit be refunded to Bonoaer. Lender nay Moose to make this refund M reducing the principal owed under lie Nate abym*irp•deeo=mead Senower. If a refund reduces principal,the reduction wilt be treated ale panel priesynrnt**lout anyprapsyrnrtdsargetelderahs Nate. 14.Nalas.My notice to Borrower provided for In this Security waum ntahedbsgnenbydaiterlrgadby Inefinii t M first dose mail unless applicable law required use of sneer method The notice shahs dusated to the Property Addressor any other Manses Borrower designates by notice to Lender.My nodce to Ludo snap be{Menlo Bono ereLandewtehgiven as provided n tees paragraph. St Geveming Lew;Severabllly, This Security Instrument shell be governed by federal law end cur law of the jhradkfion in which the property IS located. Si the event ant my provbbn or dose of this Security Instrument or is Note codlds wti applable taw,such cawed aura not seed other provisions of this Security knternwt Or to Nate whidn cen te given eflel%Stant die usdodng provision.To this end the provisions of lhii Smutty tnsa anent wd Me Note eedeiaed to be severable. U. aonowers Copy. Bonowr shall be given one confom ad copy d to Noised of Me Beauty k*dnnenl 17.Transfer or are Property or a Beneficial Interest in Borrower.If et or arypan dais Property warty Interest in it is sold or Crnfemad(or a a beneficial merest in Borrower is said or deafened and Borrower is note natural person)without Lander,prior wwWan consent.Lender may,a its option,require immediate payment in full dal sum seared by tuts Security instrument However,this option smell not be exercised by Lender If ererdse Is prohibited by federal low as of cur oee d this Security Instrument If Lender exercised as option,Lender shall give Borrower noticed=aeration.The notice that provide a ;Mod of not less ten 30 days from the dam the notice is delivered or melted wan which Borrower must pages sums sawed by this Security nerumaw.If Borrower fells to pay twee sums prior to the expiration of this period.Lender may irhoke any remakes permitted by 04 Security Instrument stool further notice or demand on Borrower. te. Borrowers Right to Reinstall. If Borrow meets certain conditions.Borrower shall have the right to have enforcement of cis Security Instrument discontinued at any time prior to to seller d:(s)5 days(or such other period as apppabie low may specify tor reinstatement)before sale of the Property pursues to any power of sale contained n outs Security Inifmienti or(b)entry of a judgment enforcing cue Those conditions we the Bonowe (s)pays Lewder en sums which ten would be due under cis Sea ` es a n3 acceleration had occurred;(b)ass and•idiotic(my other covenants or agreements' a(• „�`•. eU0tdn g tits Security Instrument.including,but Ira limited to,reasonable attorneys fees: such action ash*•ie�R Smutty ketnrne t.Lenders rights in• 4 • and Borrowers•• • . • seared by as Searcy eteadr et sag continuo unchanged. Upon •.'f"+ • Borrower,this Ssarity p inn i iOblig tone secured hereby sal remain GAYemoteasif n •., „: apply n the cam oacoeeralbn under paragraph 17. le. Sale of Note;C n the Note(together with as Security tngnmhet)mey be sold mew • !te" �1'ej �!y, !�!�! ulna Menge n the ender(down es the'Loan Service'that collects '[��..l 1 �M1r aF'st•given written noticed Change n^'iw�� ' ► d Services Borrow wilt be . • r• notice war sere the menu and address of required oan Senn err e d the 1 cram paymen*.should,_ will also contain any other information 20.Nadardous Su• • - ;'' chap not mroew•-I` r y . .,use,disposal,storage.or Meese d any Hszartfous Substances on or in the Mal not do.nor •�'�! alai to do.aythng EReding the Property tsthnNdslond any Environmental t� ngtwo • • appyto=pr•sence,tw,o Magoon the Property of smell quantities of Mecerdous. . 4n' .• '•. •to be.DWCpriele b normal residentW uses and to maintenance d to Property. Borrower r i (' eaten notice for any inve tiwh,dim.demand, lawsuit or other action by any governmental or • • private party Involving the Property and any Piasarilous Substance or Environmental Lewd which Borrower has actual knowledge.If Borrower Kearns,or is notified by any go...... . or regulatory awhoriy.then any remove or other remedialion of try Hazardous Substance affecting to Property is necessary, Sonoma,sell promptly Wks al necessay remedial actions In accordance with Envibunme car Law.As used in ohs paragraph 20, 'HazardousStinracee'are aps esubsist=definedes brlcothsiardoussubstancesbyEnvirorm enWLawandthefdbalna substances:gasolne,kerosene,over nernmeee or toxic petroleum products, *PeaiIoides and herbiddee,voMibe solvents, materials containing asbestos or fwmade yde,and radioactive materiels. As used in cue paragraph 20,'ErMrwmentel Lawn mina federal use and lass of the(ufedicticn where Vie Property it Iodated the berate to health.safety or erwiranenW protection. 2t.Acceleration:Remedies.Lender anal give notice to Borrower prior to acceleration bolowing Borrowers breach of any covenant or agreement in this Scanty Instrument(but not prior to acceleration under paragraph 17 unless apptkahue new provides otherwise)The notice chap specify:(e)the default(Wale adon required to are me thfalt:(C)a dale,rot less ea 30 days from to date the notice is given to Borrower,by which to default must be cured•,and(d)that Velure to an are des&ono( Wore the date specified in the notice rosy result In accleratbn dins suns sawed by as Security tbbunet fonedoure by ididI proceeding inc sasof Vi.Property.The Mice shell further ta(omnBorrowa Otte dghtto translate alter acoskratcaand ens right to assert in to foredoom process the non a istence of a default or any other defense of Borrower to aoaeleration and bredows, If the default is not cured on or before the data acetified In the notice.Lancer,at Its opbn,may require Immediate payment in full dal sums neared by Ms Security Instrument without further demand and may foreclose his Beauty instrument by Judicial proceeding.Lender sex be aline to coley all expenses barred In puraungthe remedial provided in INS paragraph 21,including.but not limited to,reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sums served by this Security Instrument Lender shill release this Security instrument.warner wares.to Borrower. Borrow shell pay any reoaoafion costs. 23.Moseys'Fees.As used in this Security Insbtrnerl end the Nola.`etorneys'fees•she inducts any women*lees awarded by en appl eats court. Page 3 of 4 Packet Page-1414- 12/10/2013 16.D.1. *** OR: 4369 PG: 3312 tit 24.Riders to this Security instrument.it one or more riders are executed byeorowerend recorded together Wes this Security instrument.the covenants and apreenwiu ofear:i sud+rider shall be inmrporeted impend$hse tread and supplement the covenants and agreements of this Security instrument as if the rider(s)we a pert of this Seaway instrument. (Check Applicable Box) u u u AdjusUEle Rate Rider Rate Improvement Rider Condominium Rider n n u Graduated Payment Rider tJ 1-4 Family Ritter u Second Home Rider U Begoon Rider t...t Biweekly Payment Rider tJ Planned Una Development Rider n u Odeiis)(specify SIGNING BELOW,Borrower accepts and sprees to the tams and revenant,contained in this Security Instrument and in any reels)executed by Borrower and recorded with it Signed,sad and delivered in the presence of: Witness Signature: . . . ! ..P. Sipnalte /4/F.LX „ILL p Bonovf� Gladys Go ld Witness Print Name: a/_:1. __ u/� .. Si�ature: Witness Signature: A/AI MI/.�/ T Witness Print Name: 4/4 MITCHELL Address: 442 S 3 rrl )1 zmmdte j e e.n 34 to 4.. STATE OF _Rohde _ COUNT(OF Calker ••\,\J 'R C.oU,�, I hereby c ri ty that on this day •a,an o f f i c e r duly•. . . ...... . .st a l e•stale aforesaid and In the county aforesaid to take eduwwte0geme ts,personally... "eras., .•_ • • y. • to be the person(s)described in and who executed the foregoing ins !',, 1` • Y executed the sane for rte pupae therein a,gressed. '' WITNESS my hand and official - 6-^% County and State . ce I . l Fir" My Concession Expires: ►__ t n. rI'Rr. Notary'Printed ' (SEAL) Rro ooieeoe — t7PW&APttZsod Return to:Collier County Housing&Human Services r�_ srerwvsswr uw,s,. Single Family Rehabilitation Loan Progrem 3050 N.Horseshoe Dee,Suite 110 Naples.FL 34104 Project*SAD 04-06.05 Page 4 of 4 Packet Page-1415- i 12/10/2013 16.D.1 . Prepared by:Wendy Klopf Collier County Housing,Human&Veteran Services 3339 E.Tarniami Trail Suite 211 Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Vanessa A.Howard to COLLIER COUNTY, recorded on March 14,zoos ,in Official Records Book 4339 , page 0117 , of the Public Records of Collier County,Florida, securing a principal sum of S 12,605.50 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges that the terms of the Mortgage have been met, and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this 12 day of December ,2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, Clerk COLLIER COUNTY,FLORIDA By: By: , Deputy Clerk Georgia A.Hiller, Esq. Chairwoman Approved to form and legality: Jennifer A.Belpedio Assistant County Attorn 1111 I13 Packet Page-1416- 12/10/2013 16.D.1. tem 4139785 OR: 4339 PG: 0117 1001I14 f ROW 10C1/B00 11101 RICOIDID to the OMIICIRI 1RCOIS$of COMM COMM, 11. OW 1)111.51 III7RO11ICI 03111/)001 at 02:1111 11IC11 1. OROC[, 01111 OILI 1205.51 VIM! 11011 252 5711 1St P11 35.50 Project Number HM O4.050o17 000-.35 11.45 MORTGAGE THIS MORTGAGE(-Security tnstrunbnr)is given on .The Moripegor e: Vanessa A Howard,a single woman ('Bonus').TAisSaaetiytenonet is given to Calder County ()ender).Meth*organized and existing under the lawn of the UMW Stare*Amara,and shoes address is,11060 Nara)Horseshoe Orive-Sale 110.Neoles.Florida 3410(,Borower ore Lender lie we* t..•. . .• g,. This debtisevidencedbyBormrersNose datedthesane date an this Seas*instrument' ('Morpspd),which provides for the fed debt.I not paid surlier.due and p+bebb on ranter or bee.sale Cl property,refinance.or loss of homestead exe plion. This Mortgage will as forgiven at the eve la)year a deeersary dab of mortgage. This Security Instrument secures to Lender.(a)be reptymet of the debt evidenced by the mortgage.and ad reeveds,WanNwr ad mwdMretbre:(b)the payment of ail other suns,under wage*7 b promo the seas*of tie Security krnaunant ad(e)ow perbnnencs of Borrowees commas and agreements wider the Security Inslnrnerk and the Morpps.Fordrispurpa s,Downy does hereby oawayb Under tetarmac;desubsdpropetybosbdN Colder County,Florida. More particularly desulbed as: Lot 70,UnIt 1,Palm Ridge Subdivision,according to the Plat thereof recorded in P44 Book 9,Pegs Ed Ors Public records of COOK County,Florida. FOUO I 55121 200 009 and OW has the address of Moped,/Addrsse'). 707 Palm Ridge (Stree() Immakaee FL 34142 MAY) (Slate) (ZIP) TOGETHER WITH all the improvement.new or hereafter erected on the property,and elf ssan a ts.rights, appurtenances,rents.royalties.mineral,oil and gas rights and peals,weer rights and stock and all summa rover hareella a pad *the property,The Security instrument shall also cover*replacements and additions.AI tithe farseeing Is referred bin this Security Instrument as the'Property'. BORROWER COVENANTS that • t r; .property described above,et hs the right to mortgage,the Property and that the Property T - • �Bonoaerwarrta and WI defend generally t the tits b the Property wine al datum and•.1742; !': •to any of record,• THIS SECURITY*STRUM rt` '.'r_ uniform covenants fa and non-uniform covenants with Wed vartedon by Jurisdiction b constitute a �'. • cowing UNIFORM COVENANTS. agree 1. TERMS:The Borrowers)•� . •?• wit * Loan,'be lame of which are intended to ensure uet anyd b assist e m!'i'�• �r✓•tir' e :r� •w) the rdswa don of are recaptured • the alfordebilty requirements are The terms of this Mo .. • : require '•• • an the makers comply with the following conditions and• • . • • 1_ • Bonover shall occupy to- • their prindpei rem• • . of be Property is not Weed even on temporary base. Failure to abide by ~ • occupancy tsgri .�y In foreclosure. The Borrow lot be the Ieser required tosubmtpoddprintlpsl••. • ''n :. on�:+en Mtw enebeginning on the eennive napesd* soanptbn. occ pa ncy aid arnnetiy until the end of de copies of paid receipts for taxes and insurance, "_____ .�! for oar aiouped Piopeny b rg Collar County s Mortgage Holder. If the Bower lass to•'• 'r. ' - proof of ooape cy Ina timely mane,the Lode may contract veh an independent title company to periam the necessary tee receflacebon,the cost of whldt WI be added to the ptrdpai amount of this Mortgage. In to event the Bonrower(s)cease pkmdpd ocarpsndY.trensfr.ed or M any mere'.dlapoee d d a a pardon d the Propsmywladia subject btheMortgagepiobfulMngtheapeemetandtoetdofthea nnordration,l ent*prk+clpslamount of this Mortgage shall become komed4dely due and payable. The knower snail not menace the indebtedness sec redby tine Mortgage.The Under pricrb grating spew*Ord review the proposed reanamdrp Inerdrb roue that therecud beRebel NOM akwoepmpdsed rerun:ft to retapMnOwHOME monies.The Lender consents to raw agreement or errs ngenert In With te First LerdrwaNes.Poslpo as.sibinde.rsdas or modes any provisions of the Brat Note or the First Mortgage,Including any provision requiring the repayment of money. The Borrower shall Immud.taiy contact the Lender to obbin approval should they dens to bn er.assign.sal or in any mover dispose of all ae portion of the Property,au iIssubjectbtheMortgagepriorbhiNingtitsspasms*endtheend* the amorbxsOon period.Contacting the Lender waster/sure List the Security treetwent may be appropriately reduced Incrrneneslly for each year of the amiability period,according to an wort bastion schedule based on the snnlersary dab of the data the mortgage was monied.The Lender shall have the authority to disapprove any disposal alas the proceeds of such wail be less then tai-medial value as determined by an Independent appraisal bye State Crated Reuldereal Apprise% deers is no net proceeds from lee foreclosure•repayment is not regiAed end HOME requkenerta aecareldeed to be sslMed. In the event of the death of the Borrower(.)priori expiralbn tithe affordability period has been arcked,all of the debt will be forehen. 2.Taxes.The Mosigeporwel pay all taxs,eswenens,sewer rents avatar rotes prior lobe moue of ey parolees or inane erreon. The Mortgagor shell pay or rave to be paid,an the sane respedively become due,(Alt)d bows and gover eta dirges of any and vtiwoeverritch may at any tens be taaiudy assessed or levied aprnstorveh respect to the Properly,(2)oI May and dire amain.lndudkq'service cringes',incurred renpsad fade Waretbn.mil rrnanos.us.oaapaey,upkeep and improvement of the Ptopa ty,and(3)all assessments washer governmental charges bat mmeybrhiiy betted to llratslmrrerte over a paid*years.be Mortgagor sled be obligated unease the Mortgage to pay or muse b be pad only such Irabematls es we required b be paid dtslre be term of the Mortgage.and shall.promptly retiree payment of any of the foregoing.toned b Mortgages evidence of such payment Page 1 of 4 Packet Page -1417- 12/10/2013 16.D.1. OR: 4339 PG: 0118 3. Application of Payments. Unless appiceae law provdee Menem,ail psyments toothed by Larder shall be applied;first to mindpel due;and feat to any l.1e degas due under the Mortgage. 4. Charges;lane. Borrower shall pay all tares,aseeeemenb,charges.fines and Ynpoeibons rMbutabl,to the Property,which may even rxlodty over this Seaaly Instrument and leeeefold payments or ground rents,If any.Borrower Mall promptly furnish to Lender an notices of'murns to be paid under this paragraph.and all receipts welrwatrg the paymenbl. Borrower shall promptly discharge any Ilan which has priority oar this Seaalty Instrument uses Bone(e)apa es In Meng b the payment of the oblpatlon secured by to fen In a manner eooeatible to Lender:(b)wnteab In good faith the lien by,or defends against enforcement dthe lien In,lager proosedingi warn in the Lenders opinion oprate to prevent to arlforoMrtrnl of the lien;or(c)secures from the holder of the ion an agreement satisfactory to Lender subordinating the lien to the Sourly Instrument t Lender determines that any pet of the Proprty is subject to a lien.wadi may attain priority over M Searcy Irbumen.Lender may give Bondwer a notice Identifying the ien. Borrower shall satisfy the lien or take one or may of the action set torts above within 10 days of the faunas of notice. R Hand or Property insurance. Borrower shed keep the knprovanfns now editing or thereafter erected on the Property Insured against toes by fire,hazards inducted wltiMhe Ism'extended covragv and anyoinerhazards,IndsidMmg foods or hooding,for each Lender requires insurance. This Insurance chat be maintained In the am ourns and for the Periods that Lender requires,The Ilsranoe canter provldng the ksusoe shall be chosen by Borrower subject to Landes ippront with shall not be unreesonedywiidsid.1 Bercararfss to merlin coverage deeobed above.Lander may,attendee oplion.obtain coverage to gaoled Lenders light.in the Property in accordance with paragraph 7.At M Ines there Mabags Is outstanding. the Mortgagor shoe mantle insurer=wits reaped to Ora Premises against such risks and to such amounts we we customarily insured against and pay,as the same become due and payable.all premiums in reaped thereto.inducing,but not listed to,ail• risk Insurance protecting M intense of the Mortgagor end Mortgagee against top or damage to the Premises bytes,lightning, and other cruelties asbmeriy Insured against(kraudkc boiler errpiosfon,if appmpdau),with a terrain Mtsndied extended coverage endorsement.Including debris wrier"coverage. Such insurance at all Imes to be In an smart not less than the tut rearmament cost of the Premises,exclusive of footings and foundations. AS inseams polities end nanswes aid be soteptabie to Lender and shall include asanded mortgage clause.Larder shat have the right to Widths policies and renewals.V Lander requires.Borrower sat promptly give blended receceipb dpaid premiums s and rand notices.In the event of foss,Borrower shall give prompt nature the immures caner fed Lender.Lander may malts proof of loss'not made Pompey by Borrower. Unless Lander and Borrower otherwise agree In waling.Insurance proceeds shall be spasd to reebrebon or repair of the Property damaged,lee restoralbn or repay U eoonorrnplly feasible end lenders security is not lessened.If the restoration or roper is not aorornlcay feasible or Landers secure would be lessened,the insurance proceeds shall Wooded to M were sensed by the Security Instrument water or not then due,with any eaoee paid to Borrower. II Borrow'bandana the Property,or does not mover within 30 days a notice horn Lander tet the insurance carrier has offered to saes•claim,than Lender may collect the Insurance proceeds.Lander may use the proceeds to repair or restore to Popery ono mains secured by the Security Instrument,whetter or not Men due.The h . • ••will begin wen the notice a raced.Ulles Lender and Borrower othrwlse apes in welting,any appl ..• ••,. shall not mend r postpone the duo dare of the moot*payments referred to In paragraph 1 * :v' .`! i«!+ .. t terror paragraph 21 the Property is scoured by Lerdr,Borrowers right to any.- -_. from damp"to the Property prior b the equation shall pees to Lander b to 5;7 •secured bytes' immodstaiy Motto the soquellon. I.Occuprdy, P • • mane end Proledion of Borrowers Loan AppBoalbn, Laarehdds.Barterer sfsiooapy, -4.y.:I Ili:—.. ,: `+jrW-• residrnewiirnbhaydysaterte exeason tithe Searity asbhneM s p pal meldena for at lsest Oe adordeWiypriodatr the dale d. s consrteel notbeuaeecnaby withheld,r unless earhualp• • eM1r .17t`,7.11 : �c 47.•• Borrower shall not r impair the Property.above to- ,*�T�y (�*�' :- '/��!!!�',...1. Ba uraw shall defWl a any forfeiture fhsAWayelanor ouldinarfaNy rT 4 .A ,J1 ••{'ijl ld result tIn*Woke,of know may are such•default and reinstate,as ..... • •In paragraph 18,by • • }i's•". •...• gam*be dismissed ruling In the that Impairment cif to lion faith anted by this v; •, instrument r L of ' ,1r? • Borrower shall�asoalen default If Borrower.during the ken application• ••. matsnialy fess r in •-7:3"+l• • :. rsblanents to tendr(r failed to provide Lender with any concerning ` •.71 4.4 a,. wththe loan • the Mortgage,including.but not BMMWto,•morseartatona 4 rasidrn a. d ens Searcy Instrument is on leesetoid,Bomowersatoompywitialllhs• • = ariris 155 tteto tie Property,Vie h..wi&J and the foe dui shad not merge unless Lander agree to• • 7. Psotsollon of Lender's Rights In the Property. If Borrower fails to perform the worsens and ag esiients contained in this Security kstnrnent or there b a legal pocaading that may st riieanty del Lender's rights In the Property (such es a proceeding in benkruptcy,probate,frcodemnatonr fartdirsrbenerosleesorreWaibns).tenLaniermaydo and pay for whatever is necessary to protect the value of the Property and Lends rights In the Property.Lenders actions may Irriude paying any sans secured bye den.Wien h hide Priority over this Sea"I stru ment,appearing in cart MOM)rarsenabM attorneys'fee and snaring on to Property to make repairs.Although Lender may take action under this paragraph 7,Lander does not have to do so. Any anuses disbursed by Lander under this paragraph 7 end become addflimai dais of Borrower secured by this Ssaudy Insru en. . e. Mortgage Inwraws, t Laos required mortgage Insurance as a condition of making the son seared by the Seanity Ibbument Borrower shall pay the premiums required to maintain the mortgage insurance In else.9 for aq'reesat Vie montage ineolnc covaoge mqured by Lender lepers or ceases to be in else.Borrower ahal pay the premium required to obtain COverage subeardaily equivalent to the mortgage Insurance piteously in sled,el a coetsubeardallyequimiantblhe cos to Berme cf the mortgage Innrahce parbusy in effect from an Menge mortgage Insurer approved by Lender.!Isobar/Jay egtrvaielt mortgage Insurance covarepe is not available.Borrowsr'hal pay to Lander wadi month a sum equal to onehsefflh d the teeny mortgage Insurance premium being paid by Sommer when Vie inavahcs coverage lapsed or ceased to be n ales. lady will swept use and retain gene Payments as a loss reserve In Usual mortgage Maurine,.Loss mere pay nsres may no longer be required,at the option of Lender.d mortgage Insurance coverage(In the amount and forth"period that Lander requires) provided by en Insurer approved by Lender again becomes evadable and is°batted.Bonowershall payee premium required to maintain mortgage Insurance In affect,or to provide a loss reserve,tad the requirement for mergega insurance ends in aanrdarne with any written agreement between Borrower and Lender or appIuble law. V.Inspection. Lender or Its agent may make reasonable rites upon and inspection of the Property.Lander shall give Borrower nice at the time of or per to an Ynpedson specifying memorable cane for the inspection. te.Condemmtlm.The proceed'of any uterd edam for damage,did or consequential,In connection with any condemner,or offer eking of any widths Property.or for conveyer=in leu of COndeneelon.es herabyassigned and shot be paid to Lender.In the event of a tote taking of 1/09 Property,the proceeds Mae beappled to the stns seared by grit Sauey Instrument,wherhar or not men due,rah eny nesse paid to Bancrever. Tithe event Cf a pedal taking of ths Property,In vetch the her mast value Cf the Pmpemtyktveediatslybsforeu'iataidngie equal to rgrealrtenteamountdtesumsroaredbytits Security Instrument Imrmnedasey before the taking,taiess Borrower and Lander anemias agree In fig.the vans seared by this Security instrument shall be reduced by the amour of the proceeds multiplied byte loans nag(radon;(e)M eel smoumd Me suns seared immodesty before the taking,divided by(b)the fair wrest valued M Property nnedatelybees Bat wiring. Any balance shoe be paid to Borrower.nee evened a partial tiling of the Property in which beer mrkelvakradee Property immediately belong the taking is less than the amount or the sum seared lnrnedaeytaree taking.tress Bonoawand Lander otherwise agree in w eng or unless applicable taw othe'ss provides,the pooede shoe be applied tote sum sewed by this Seaatty kektmem whether ornot the sums err then due.Unless Lender and Borrvwrot swIse apmmin warp anyspacetion of proceeds to pndpal aid not extend or postpone the due des of the monthly were reared to in paragraphs 1 or change ANN the amount of such Pee nenb. Page 2 of 4 1 Packet Page -1418- 1 12/10/2013 16.D.1 . OR: 4339 PG: 0119 11.Borrower Not Released,Forbearance By Lander Not a Wavy.Extension d Means for payment ormodification of anorliraeon of the sums waned by Ws Security instrument granted by Lender to any successor in Merest of Bona shall not operate to release the Wiley of the WOW Borrower or Bonaire successors In interest Lender she not be required to commence proceedings against any successor in Interest or mew to extend erne forewent or obe isemodifyimprecationof the sums seared by this Security instrument by wean dany demand mods by the attend Somwwo Bona's successors in I or windy. 12.loibseranoe by Lender in eeardsirg any right or remedy shat not be a weever of ce preclude the carder d any ligh 12.Suc essors and Assign.Band;Joint and Several WbIllty;Cokilgners.The covenants and agreements of this Security instrument shell bind and bent the seotoswrs and assigns or Lender and Borrower,subject to Me Provisions of Paragraph Sorcerers be Security does not execute Note;(a)I.co scra g we Security instrument mortgage,grant and mi ey tsi instrument Borrowers nearest In the Property under the tome of he Security herb Trent;(b)is not personally WOW to pay the duns secured by this Security Instrument and(d)agree.that Lander and any Other Borrower may west attend,m ooy,forbear or make any Accommodations with regard to M terms of this Streaky htsbu/eatt or the Note without tat Borrroers cement. 13.LeenChnyes.Mee keen secured byWs Security inserter*le sugedbabbwhkimsdeii vunbendhrgs, end be be Is finely interpreted so that the Interest or other loan themes c oMactedor bb ecotadedIncomedonvh(ttthe loon weed is emitted woes.Mar.(a)ey such bet charge shell be reduced by the amount ne essary to reduce the dwgeb to pemivad limit end(b)os sun already collected from Borrower Wtldh exceeded permitted fields WO be refunded b%newer. Lender may c hoowbmakeI srefund byredtttkoptheprincipaowedunderisNote ortrymakingadedpaynrwi tto Bonower. t a refuel reduces winded,the reduction will be treated as a partial prepayrnett"nod any prepa)eheidege untidily Nob. 14.Notices.Mymer:e b Borrower provided fix In this Seonity Instrument stetbestisiby*Needletorbymaltngk by first des melt unless applicable be required use of another method.The noeos dale be directed to the Property Address or any other adores*Borrower designate by notice to Lender.Any rhodce to Lender shat be g sn t Borrower or Lander when peen as provided in this paragraph. 15. Governing Law;Severebiety. Federal be and the law of the Jursttbeon In which the property is located shad govern tds Security instrument t In is event that any provision or clause of this Security Instrument or the Note cantles with eppicable law.such corded steel not shed otter provisions of tots Swafty Instrument or the Nob With tat be privet effect weans the conflicting provsbn.To this and the provisions of this Seery Instrument and the Nob aetkdered to be wearable. 111.Borrvwsfe Copy.BartowAr shell be given one conformed Dopy of IN Note and of tins Security Instrument 17.Treeir tithe Property or a Berddal Interest In Borrower.Man crony pond the Pnopertyor any Mew in k Is void or treredernd(or M a beneficial Interest In borrower is sold or transferred and Borrower Is note natural parson)Wed Lender's prior mitten consent Lander my,at is option,require immediate parent In full of all sums secured by Ills Security instrument. However.Lender shall not exercise this option If federal lew as of the dee of its Security instrument pro iblls exercise. if Lander exercised ors cpbbn.Lender shall • d eooslewaon.The notleeatsa provide a period d not less than 30 days home*dabs the nova is• u A.,,,,-•Borrower minim an wets seamed by Ms Security ustrunent If Borrower falsb pay thw .1"`•. ''i"V Lender may ende any remedies perneadby Cis Ssa%ity instrument t si exa further • _ 1t. Borrowers Right to • �� 'ry ,. . Borrower shill have the right to have• e nforcement of tea Security L�/' d:(a)3 days(or such dew period as appliabbbwmeiseedyfor - . aijaiY r pawerdsa 0N11. edIhtisSeaxhy Istrmentor(b)ertbydajtldpmeni U ,. aretmetBomowr.(ed,(b) and sun would be due tied occuared• airs arhd Witch cwt + b� N) to ut of any other covenants or •tMMSr ,rid►'1 --47,y6 14: . . Security Instrument Inducing.but � not limited to,reasonable �!•}!y�r 1-'..- l b issue that ie fend this tk SsaA►ylsbument•Lerder's ig s thQaa"i 'l• • ji • wciredbyisSeaatyltseunek shell continue unchanged. Upon .4'r,� • •t e obligations seared hereby shall remain fully affective as t no •• -TM t •otaa»d.However.lh' not apply in is axed aooMeationh under paragraph 17. 1e. Sate of Nob;Change•(• $anicer. The Note• I•_.. in the Note(together wet Cie Security lseumsm)my Weald one or moret prior nodal,to Borrower. result In a change in the way(k own is is low Sen4cer)Id mtlsds moils*-7,7,— under the • • Instrument There also may b e one o more dunces d the Loot Servitor - -•. cheeps of the Loan Sevioer,Borrower wig be glen erten noels d the chugs In accordance '..�y,,.• •• • • lei.The rhotoe vas stale the none end address o f the nee Loan Severer and the address to witch• • -- •• trek.The notice ail also contain any other kiormeton required by applicable Lew. SL Na[adous Substances.Borrower shall row cause or permit the presnc•use,deposal,swage or release diary thaardos Substances on or In be Property.Borrower.Mall not do,nor Wow wpm arse b do,anyeerc died"the Property that is In vldaren of any Environmental Law.The preceding two sentence!erne not apply b the pr send,use.orsteep on ter Propertyd smell quetdMes of Hazardous Substances tut are generaly recognized to be appropriate to normal reside trial eras and to ma nbewcs of is Property. Borrower shall promptly give Lender written nonce for any investigation,Balm,demand,ensue or ocher action by any governmental or regulat ryagencyor private partyifaWigtheProperlya dstyHe cadottcSubstncoEntbanwMal Lwd wtidh Bonner has scowl 4vwteclge. If Borrower leers,or Is flogged by any governmental or regulatory authority,Me any nennoval or oche re ediaton d any Harardas Substance ellaeerg to Property is netoesey,Borrower shall porri idy fake at necessary remedial scions In accordance with h Erhvironm a tal Law. As used In this paragraph 20,'Harsdohs Substances'are those substances defined as toxic or haradora substances by Environmental Lev end the following substances: gasoline,kerosene.either flammable or toxic petroleum produce,tale peWddes and hetacIdee,volatile solvents,material.containing asbestos ortormaldehyde•and nhdiosctive urinals.As used In this paragraph 20.'Envirorwnsroal Law'miens federal bee and laws of is jurisdiction were is Property is bated that'date to healer.safely or environmental proledion. 21.Acceleration;Remedies.Lender shall phenolics to Borrower priorb acceleration following Borrowers breath of any°overlent or agreement In this Security instrument(but not prior to acceleration under paragraph 17 mess applicable Isis provides otherwise).The notice shalf specify:(a)is default:(b)the action required tome the default(Oa dole,notion than 30 days from the date the notice Is given to Borrower.by which the default must be cured;end(d)that fakes to cure the derail on or before the date epedned In the notice may result In aoateraten d Ms sums seared MIND Security Instrument,foreclosure by judicial proceeding end sate collie Property.The notice shat further Worm Semower of t the right to retireealereasleeion and the runt to assert In the foreclosure prooses the non-epswmto of a default or wry other defense of Borrower to aooalerNbn and foreclosure.M the default Is not cured on or before Ms date spedfed in the nets,Lander,at Its open,may require immediate palmed M fuller at sums secured by this Seamy Instrument without firmer demand and may foreclose tie Secvhy Instrument byluadidallroceeding.Lander WWI be entitled b collar all upraises Incurred Inpurser*te remake povidedkt tie paragraph 21.Including but not MMted to reasonable attorneys fees and cost of the We evidence. 22. Release. Upon repute of at sus seared by Mis Security Instrument.Lender shall release the Security instrument,without dope,to Borrower. Borrower shall pay any recordation poste. 23.Attorneys'Fees.As used in this Security Inbunent and is Note.'aeomeys'fete''hal Include any attorneys'fee awarded by an appellate court. Page 3 of 4 I I Packet Page-1419- , 12/10/2013 16.D.1 . ttt OR: 4339 PG: 0120 ttt 2a.Riders to this Security ln umsnt t one or mom rheas are executed byBarw.randrecorded together eith this SaarIty instrument**covenants and agreements at sarh Nth rider shat be Mrdaporsted info rd All limerd ande430ement the oovenerdt and agrserrente of this Security ketsument•w the rider(s)mare a pan oT this Seoatty Y*tmisi t (Chalk Applicable Box) C Aquslable Rate Rider C Rate improvement Rider C Condominium Rider C Graduated Payment Rider u 14 Panay Rider C Seoopd Horne Rider C Balloon Rider C Bee..My Permit Rider u Planed Uda Oewtoprnart Rider C7 Oarer(s)(specify SIGNING BELOW,Borrower accepts end apses to the temps and corenea contained in this Security Instrument and in my rlder(s)executed by Boomer and recorded ugh IL Wed.cacao and delivered In the presents : Witness Signature: al^ I �Vene1/a �e�A V tt,o.�ma�rd V W W - Wibws PM Name: Signature: Borrower Wit...Stpneturs: Witness Pnnt Nome: Address: STATE OF Florida COUNTY OF Collie ‘0,R COCA I hereby 4 rWythatantisday. 1 dl5osrduly . . .:; state aforesaid and Inteaantyebrosaidb take acknowledgements,per.erly • -... lob.to preon(s)dssatb.d N end ono executed the foregoing -f�:: - Vacated the same for the purpose therein expressed. (C P WITNESS my hand and a5del Canty and • :"" My Commission Expires: ..•!.. . _ • ''an No ��0► dry _.. '1i7 (SEAL) Not �E C IR '1 wCI=t1 1aa0PC X 0146 EOM ApAl2.1001 Rearm b:Collier County HiHS sr edlrwrer.l ASrew+..rrrr Sknpk Fahey R.hsbiMetlon Loan Program 3050 N.Horseshoe Drive.Suite 110 Naples,Ft 34104 PP**, NM 0406-0017 G.IGRA4TS840415t2004-2005 PROJECTS\SINGLE.FAMILY REHAB/lambed,Vanessa**rope 5 yers.doe Page 4 of 4 Packet Page-1420- 12/10/2013 16.D.1. Nok Prepared by:Wendy Klopf Collier County Housing,Human&Veteran Services 3339 E.Tamiami Trail Suite 211 Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Lori Sidbury to COLLIER COUNTY, recorded on December 10,2008 ,in Official Records Book 4412 , Page 3365 , of the Public Records of Collier County, Florida, securing a principal sum of S 5.342.00 and certain promises and obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges that the terms of the Mortgage have been met,and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this 12 day of December ,2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E.BROCK,Clerk COLLIER COUNTY,FLORIDA By: By: ,Deputy Clerk Georgia A. Hiller,Esq. Chairwoman Approved to form and legality: CA Jenni A.Belpedio Assistant County Attorney ►�1i g t13 Packet Page-1421- 12/10/2013 16.D.1 . Project Number COBG O5A8-Ot2 MORTGAGE THIS MORTGAGE("Security Instrument')is given on November 14,200E The Mortgagor is: .g...pew Lor1 Bldbury,a*Ingle women '7• ��r Y_S ri§iR ('Borrower). This Security Instrument is;iron to _Cobb County Mandell,which l orpsninsd end esiuttn under the R 3° laws of the United States of America,end tame address is 001 E.Ta las&Trait.Necks.Florida 34112.Bonwuer raves E 1 Lender the sum of biliggeggattagitamostragastuarusunimaamo The debt*evidenced by Borrowers Note dated the earns dab as this Security Instrument("Mortgage'),which ponders*the he debt if not paid wetter, - "M3 due and payable on transfer of bile,wale of properly,reft'nanoa,or loss d homestead exemption.This Moline ea tefagMn et C the Fifth(611)year anniversary date of mortgage. This Security instrument sewn b Lender.(a)the repayment of the debt Q evidenced by the mortgage,end at renewals.extensions and modifications;(b)the payment of all other sums.under way's*7 to protect the mangy of the Security Instrument;and(c)to performance of Borrowrers covenants end agreements under this Security Instrument and the Mortgage For this purpose,Borrower doss hereby.convey to Lender the following bombed property located in Collier County,Florida. 3 More particularly described as:Lot 2,Block A.Brtsrwood,Unit Two,According to PLAT tN PLAT BOOK is 22,PAGES 82 THROUGH 84,PUBLIC RECORDS OF COLUER COUNTY,FLORIDA i° Folio If 24118000425 S w e RpsP 0 Address: 840 Briarwood Bl y -. c Manisa.Florida 34104 ,r= o, 'TOGETHER the WITH all the improvements now or hereafter erected on o property, mts y, and all esaaen .rights, a i~ = appurtenances,rents,royalties,mineral;on and gas rights and Profits,water rights and node and at tame moor haeshers part R '' of the property.The Security Instrument shell also cover all rePtacemems and additions.All of the foregoing is referred to n the "1 a .� Security instrument as the"Property". .{°,7 BORROWER COVENANTS that Borrower is tewhily seized of the property deserted above,and has to right to °e s—u mortgage,the Property and that the Property is unencumbered,except f of mowed.Sommer wartime and wit dssend;enemy the "4'8 title to the Property against all clime and demands, noes of record. i.i THIS SECURITY INSTRUMENT•• • r ''�^""e'T I use end non•unilom i covenants wish limited '^' p, venation by Jurisdiction to constitute a unit• + •�J '�r� y ly. . - UNIFORM COVENANTS. ;• • ,std der covenants •—T owe: C:.•. ... 1. TERMS: The Bcirorwr)of• • A: have been granted e' • • w Loan.*the born of which are ime dad Nry Devoid• Grant(CDBG)hunds Ward o fsdibte vs , ,» to rehabilitation of this ProPaM are ' r. .. horns owner wMh rehtelxwedrh txieas •w the affordability requirements are .- The terns of this M• •• •• ••to •'!7.� T made as long as the makers Q comply with the following g` .•Ji,_ ,way '.., Borrower shat ooc.py the ss thin prindpel - the Property is not allowed even on• temporary basis. Failure to abide by.�,�Opal occupancy rep '•tit-•. /' In foredoeurs. The Borrower shat be repured t o submit proof of principal•--•... Cotter County on an' e • w Inning on the anniversary of the rest-year ..,+r, ooarpency and annually until the end• 1,_ . , ,•.•., •..,..(' proof shall include:proof of homestead = ,' w exemption,copies of paid receipts for taxas 7.+,. R'�!! - • for owner-mewed PropelyYStng -e S a Collier County as Mortgage Holder. If the,• ..�� ,. ter' of occupancy in•timely manner,the Lender• may contract with an independent tide company to• .7,r ' ' : re-oridlption,the the oietaia$sdi will be eddsd to die Principal amount of this Mortgage. In the event the Borrower peas principal occupancy,bender,atl or in any manner depose of all or a portion of the Property which is subject to the Mortgage prior to fulPlxng the agreement and Vie end of the amortization,ten the principal amount of this Mortgage drat become immedietey due end payable. The Borrower sham net refinance the mdsblsdress seared by this Mortgage.The Under prior to grartng approval shall review be proposed refinancing in order to ensure that there will be sufficient'wily*her Me proposed refinancing to recapture the CMG monies. The Lender consents to any agreement or arrangement in which the First Lender ware,postgame,extends, reduces or modifies any provisions of the First Note or the First Mortgage,including any provision requiring the repayment of money. The Borrower shat tnmedisley contact the Lender lo obtain approval should they desireto transfer,assign,*slice in any manner dispose of all or a portion of the Property,which is subject to this Mortgage prior to fulfilling this agreement and the end of Me amorbxstion period.Contacting the Lander wit also ensure that the See/Airy Instrument may be appropriately reduced incrementally for each year of*:eflordabtiity period,according to an amortization ecedule based on to anniversary data of the dab the mortgage vies recorded.The Lender shell have the author y to disapprove any disposal where to proceeds of such would be less than fair-mulct value as determined by an independent appraisal by a Stab Certified Residential Appraiser. I tiers is no net proceeds from to foreclosure,repayment is not required and COBO requirements are considered robe satisfied. In Be event of the death of the Borower(5)prior to expiration of the,allordeb@q period has been Waned,all of Be debt will be forgiven. 2.Taxi.The Mortgagor will pay all taxes,ameamenta,sever rents or weer rate,prior to to accrual of an)geneses or interest thereon. The Mortgagor shall pay or cause to be paid.as the cams respectively became due,(A)(1)at taxes and governmental dtergils of arty kind whataoeverwhldt may at any one be awfully assessed or levied sgahet or with reaped le to Peppery,(2)at utility and other dirges.including"Service Charges'.incurred CO lmpoaed for the operation,m anlnar>ca,ewe,occupancy,upkeep and erprovement of the Property,end(3)an assessments or other governmental charges that may lawfully be Pekin inteMenb over a period of years,tai Mortgagor shall be oblpated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage,and shalt,promptly after the payment of any of the foregoing,forward to Mortgages evidence of such payment. 3. Application of Payments. Unites applicants taw provides otherwise,all payments received by Lender shall be awned;first.to principal due;and last,to any late charges due under the Menage. 4. Charges;Lens. Borrower shall pay at taxes,aesasmanb,charges,hies end impositions atb+bufabls to to Property,witch may attain priority over this Security instrument,end leasehold payments or ground rents,if any.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph,and all receipts evidencing Si.payrrenb. Borrower shall promptly discharge any lien which has priority over this Security Insenxrwsunless Borrower.(a)prep in vatting to the payment of the obligation sewed by he lien in a manner acceptable to Lender,(b)contests in good Mtn the lien by,or defends against enforherentof the lien in,legal proceedings which in the Lender's opinion operate to prevent to enforcement of ._ .. the hen:or(e)secures'from the Adder of the lien an agreement satisfeetory to Lender subordinating the ken to the Security Page 1 of 4 Packet Page -1422- 12/10/2013 16.D.1 . Instrument. If Lander determines that any part of the Property is sub)**to a lien,which may Mein priority over the Scarily Instrument,Lender may ague Borrower a notice Wentfying the ten. Borrower shall satisfy the fan or take one or more of the actions set forth above within 10 days of the issuance of notice. 6. hazard or Property Insurance. Borrower shall keep tit improvements now existing or herafter erected on the Property insured against loss by bra,hazards included within the tarn•Wriended coverer*"end any other heaves.inducing floods or flooding,for which Lender requires insurance. This insure**shell be maintained In the amounts and for the periods that Lender requires.The Insurance comer providing the insurance shag be chosen by Borrower subject to Landers approval which shall not be unreasonably withheld if Borrower fails to maintain coverage()seated above.Lander may,at Lenders option.obtain Coverage to protect Lenders rights In the Property in accordance with paragraph 7.At sit limas turtle Mortgage is outstanding, the Mortgagor shall maintain insurance with reaped to the Premhas against such risks and for such emcees as era customarily insured against and pay,as to same become due end payable.ate premiums in raped lento,including,but not limited to,e11- risk insurance protecting the interests of the Mortgagor and Mollgegee against loss or damage to the Premises by fire,lighbdng, and other casualties customarily insured against(including boiler explosion,if appropriate),with•uniform standard amended Coverage endorsement.Including debris removal coverage. Such Insurance et se times to be in an amount not Iva than the Ail *placenta*cost of the Premises,exclusive of footings and foundations. All insurance polices and*newels shall be acceptable to Lender end shel kdude a standard morigage Wee.Lander shall have the right to hold the policies and renewals.if Lander requires,Borrower shell promptly give to Larder tie rem**of paid premiums ate renewal notices.In le event of loss,Borrower shall give prompt nice to the insurance center end lender.Lender may make proof of loss it not made prompay by Borrow. Unless Lender and Borrower otherwise ague in w adng,insurance proceeds shall be applied to restoration or repan of the Property damaged,!the restoration or repair is economical,/feasible end Lenders*curie*not lessened.Nth,nwretion or repair is not economically f%SeibIe or Lenders securtewouldbe lessened,the Insurance proceeds shell beepers*to the Coro secured by the Security Instrument,weather or not than due,with any excess paid to Borrower. If Borrower abandors the O Property,or does not answer Mien 30 drys a notice from Lender that the insurance cams has offered to settle a derm,then Mr Lender may collect the insurance Proceeds.Lender may use the Proceeds to refei or restore the Progeny Or to pay stare eased •• by this Security Inaba ent,whether or not den due.The 30'dsy period**begin when the notice Is meted.Unless Lender and n_ Borrower otherwise agree in writing,any application of proceeds to principal shalt not extend or poet ins the due dab of the Wm monthly payments referred to in paragraph 1 or change the'mount of the payments. If under paragraph 21 the Property is •"'• acquired by Lender,Borrowers right to ies mny insurance polic and proceeds resulting from damage to the Property Prior to the N acquisition shall passe Lender to the extant of thou**secured by this Security Instrument immediately prer to the acquisition. •p IL Occupancy,Preservation.Maintenance and Protection of the Property;Senesce Loan Application, Leanholda.Borrower shall occupy.establah,and use Borrowers pkrolpel residencewi within send**ate the 1 execution of me Security Instrument end shall co ••'- •T • ,,es Borrowers prindpd residence for at least the W affordability period r after the date of �`1 ~4��.��. in wrens which consent shall not be W unreaaonabywithhold.orante*eaten •.�• •. settwhieh . scontrol.knower that retdesboy vTi damage or impair the Property,allows the • to deteriorate,or commit�i11 Property.Swaim,shall be in de/sub e any forfeiture action or proceeding, is begun that in Le •faith judgment could result inforfeiture of the Property or olherw1"mstenally y '•• till I ry or LendK4 aeaslh interest. Borrower may Core such•default and*instate • • '•ad in• +- . e . or proaadng b be dismisaed with a•ruling that,In lenders good fai h• . "� ` tin tie Property or other material impairmet, of tit lien ood fa by ±,,,t;�''�yyL `lyy�yy�,j�yy�y�,y,••M jtyTwl/ ri Borrower shall tar be In derahat if•Borrower,during the roan application a+itt.. '�!9�y,,L f` hr aetaterterhtsloLander(ort'ladfo provide Lenderwith any materiel • r,,X a►. r e!o!; -y �M • • •reap,Including,but not limited to, iiiio representations concerning -•. - of. - •- . . If the Sewer Inseumsnt is wt leesehold,Borrower shall comply with 1 • • •ten of the base.If •• �, .y eve ale Property,the leasehold and tit fee flee shell not merge unless to the merger in 7. Protection of Lender's as Property. O :. " . norm the covenants and egreennenb• cord*had in tine Stonily Instrument or • proceeding that m��`�//,,ueer affect lenders rghts n tie Property• (such as*proceeding in bankruptcy,probe etion or . !n . . taws orrem/ Mons),then Lender may do and pay for whatever it necessary to protect.4�JL�.�•11-..�ti i, !c - s rights in fins Property.Lenders edions may induce paying any sums secured bye lien,which .-".,� i "p Mourne*appears in court, attorneys'fees and entering on the ag' WYi+O reasonable 7,Land Properly to make repo Lender may take adlon under This paragraph 7,tender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additions/debt of Borrower secured by this Security Instrument. . a. Mortgage Insurance. ff Lender required mortgage insurance es a condition of making the loan secured by this Security Instrument Borrower shed pay the premiums required to maintain tie mortgage insurance in elect e,for any reeson,the mortgage insurance coverage required by Lender lapses or ceases to be inertia,Borrower shell pay the premiums required to Obtain coverage substantially equivalent to the mortgage insurance previously in effected s cost substentiMhequivalent blue cost to Borrow of the mortgage insurance previously in efed,troth an alternate mortgage insurer approved by Lender.If substantially equivalent montage insurance coverage is not evaiabls,Borrower shall pay to Lander each month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in shed. Lender will accept,use and retain these payments es•loss reserve in lieu of mortgage insurance.Loss reserve payments may no longer be required,at to option of Lander,If mortgage insurance coverage(In the amount and for the pare°that Lander*pukes) provided by art insurer approved by Lender again becomes syllable and is obtained.Borrower shad pay the premium required to maintain mortgage Insurenee in elect,or to provide s loss reserve,until the require**for mortgage insurance ends in accordance with any written agreement between Borrower slid Lender or applicable law. I. Inspection. Lander or its agent may make reasonable entries upon and inspections old*Property. Lander shall give Borrower notice at the time of Of prior to an inspection specifying reasonable NOW forte inspection. 10.Contemn:tlon.The proceeds of any award or Warm for damages,direct or conaequantlel,n connection with any condemnation or other taking of any part die Property,or for conveyance In bud Condemnation,we hereby assigned and shell be paid to Lander.In the event of•total taking of Ore Property,the Proceeds shall be&C OW*the sums secured by this Sean+y Instrument whether or riot then due,with any excess paid to Borrower.Mite event of a partial eking die Property,in which the fair market value of the Property immediately before the taking is equal to or teeter Menthe amou ntd the aunt seared by this Security Instrument immediately before the taking,unless Borrower and Lander otherwise agree In writing,the sums secured by this Security Inatnenent shall be reduced by eta amount of the proceeds multiplied by the following fraction:(ajar total wnount of the sums secured immediately before finetaking,dividedby(b)thefairmanutvru eof thePropertyanmediet lybeforetietaking. Any balance shall be paid to Borrower.In the event ef e parties talking of the Property In whldh the Oda market velum Wee Property immediately before One taking is less men Me amount of lasums seared immedieby for the taking,ulnae Borrower and Lander otherwise agree in writing or unless applicable law of en lee provides,the proceeds shell be applied to the suns secured by this Security nnsownent whether or not the sums ere then due. Unless Lender and Borrower otherwise agree in mitre,anyapple:Son of proceeds b principal shall not extend or postpone the the date of the monthly payments referred to In paragraphs 1 or Cheep the amount of such payments. 11,Borrower Not Released,Forbes***by Lender Not stealer.Extension Mho briefer pryment or modification of amortization of the sums secured by this Security Instrument granted by Lander to any successor in Interest of Borrower shall not operate to release the nubility of original Borrower or Borrower's successors In Interest. Lender shop not be required to commence proceedings egalet any successor in interest or refuse to extend lima for peynsrtor otlerwies modify amorozaton or Olt sums nosed by ma Security Instnarent by reason of anyt a ns*made by the original Borrower or Borrowers successors in Page 2 Of 4 Packet Page -1423- , 12/10/2013 16.D.1. interest.Any forbearance by Lander in exercising any rigM or remedy shell not be a waiver of or produce the arerdae of any right or remedy. 12.Successors and Assigns Bound;Joint and Several Liability;Co Slgnars.The covenants and agreement of Ins Security Instrument shell bind and berme to successors and assigns of Lander and Borrower,subjeo b the Provisions of Paragraph 17. Borrowers covenants and agreements shall be Joint and several. Any Borrower who cosigns the Saarty Instrument but does not encode the Nola:(a)is co-signing this Security InsWment only to montage,grant and convey that Borrowers merest in the Property under the terms of this Security Instrument;(b)*not paroenaly ebigalsd to pay the sums secured by the Security Ineiroment•,and(c)pees that Lender and any other Borrower may agree to aided,modify,forbear or maks arty accommodations we regard to t ha temp of this Security instrument or the Note without that Borrowers consent 13.Loan Charges.If the ban secured by this Security lnsburrsnt is subject to a lawalsch nets meximan loon charges, and that law*finally interpreted Sc that the interest pother ban charges collected or lobe colleciW in connection with the ban exceed the permitted brows,then:(s)any audh lean charge shell be reduced by the amount necessary to reduce the charge tote panninad limit and(b)any sums already colleted from Borrower welch exceeded Pureed knee wit be refunded to Borrower landsmen demo to make this refund by reducing the principal owed underlie Note or by making a direct payment to Borrower. If a refund reduces principal,the rode tionwlfl ba weed as a partial prepayment without any prepayment crags under Via Nola. 14.Rodeos.My notice to Borrower provided for in this Security In$burtant shell be given by detherine feel nfsexg it by fret class mall unless applicable law required use of mother method,The notice she be directed to the Property Address or any otter address Borrower designate by noes to Lender.Any notice to Under shall be given to Borrower or Leda Men given as provided In this paragraph. IS.Governing Lava,seversainty. Federal Isar and the law of the jurisdiction in which the property is located shall govern this Security Instrument In the avant tat any provision it cause of this Saarity Insbtarani or the Note crdiids with applicable law,such contact shall not shad otter provisions of this Searcy tnstnrment or the Note seen can be given effect wnhoutthe confiding provision.To Vela and to provisions of lids Security Instrument and es Note are declared to be swwable. Ce 111,Borrowers Copy.Borrower she tea given ono conferred copy of Via Noe and of the Security Insbunnt Pa 17.Tenser of the Property or a Benefice interest ht Borrower.It at or any pan of the Properly or any Interest in it '• Is sold or transferred(or ifs beneficial merest in Borrower is sold or transferred and Borrower is not•natural person)without Lenders prior writlar consent,Lender may,at to open,require Immediate payment in hull of all sums secured by this Sea" wit Instrument. However,Larder shall not exercise this option if federal law ea of the dale of this Security katuman(prohibits nr exercise. If Lander exercised this option,Lender shall give Borrower note of acceleration.The notes shall provide a period of N not less than 30 days from the dad the notice is devoted or mailed within which Borrows must pay es suns secured by this rnd Security Instrument If Borrower fails to pay these• :- of this period,Lander may invoke any remedies ennead by this Security'returnee without ,,fit_.. s J. tt. Borrowers Right to Rents `To. ' • ". Borrower shell have the right to have w enforcement of this Security Instrument d., .'r •at any time prior . of:(a)5 days(or such otter period as c"x Gre applicable Instrument; r(D)may for ' asa of Via Property• 10 •h posed sate Contained in this Security judgment- instrument Those- •• ,• are that Bonner.(a)pays Lender all• sums which than would be due under as t•o -- anion had occurred;(b)case and default of any other covenants or up 1' • incurred in enlacing this Security ins. �p ■ y,, a fees;and(d)Wan such action as Loner may reasonably equine ro r ye jia.,,,;,.. L►t t/ hte in the Property and Borrowers•obligation to pay t e sums neared• +�' A�'.. pan reinsateMent Borrower,this Searcy In sement ad t e°bkpt.• 1-;,+ , 1 'x i caseation had occurred.However, this right to reinstate she;not apply in` • seas Q! 1e.Sae of Nee:Change • Semler. The Note• r � tw Note instrument)may be weld one or more • " I.... with this mown s the"Loan SaMar)Ure mseete month p' Prior notelet=• ► ail!"+?•, t in a change in the entry(known a y due under the Noe Instrument.There also m be one or more change of t e Loan Service 77—...,M,,. of Ile Note. If• W�• • of rte Loan Servkar,Borrower*II be givenwrttennoeadUhechary'ina..• •.. •4:. 14 and •i' .The not swill eats the mine end address of Ve new Lan Servicer and the address to '•1 h: , '140.. notice a will also contain any other inbmnation moulted by applicable law. 20.Hazardous Substances.Borrower shall not asst;Sr perkier presence,use,disposal,storage,or teases of any Hazardous Substance on or in the Property.Borrower shall not do.nor allow anyone use to do,anything affecting the Prepamy that is in viclason of any Environments'Law.The preceding two sentences shoe not appy to the preswhw,use,or storage on the Property of small quantities of Hazardous Subtleness that are generaly recognized toe sppopate to normal reddens use and to maintenance of Via Property.Borrower shell promptly give Lender writ en notice for any inveabgaton.claim,demand, lawsuit or otter action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance a Environmental Law of whiff Bootee has actual knowledge.If Borrower*ants,or Is notified by any governments or regulatory au homy,that any removal or Other rernedation of any Hazardous Substance affecting the Property a necessary. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.As used In this paragraph 20, "Hazardous Substances'are those substances defined as toxic or hazardous substances by Environmental Lawand the following substances:gasoline,kerosene.other flammable or toxic petroleum products,lode pesticides anti herbicides,volatile solvents, materials containing asbestos or formaldehyde,and radioactive materials. As used in this paragraph 20,"Environmental Law" means federal laws and laws of the jurisdiction whore the Property is located that relate to health,sally or environmental protection. 21.Accalaretion:Rimed les.Lender shall give notice to Borrower tutor to acceleration following Borrowers broach of any covenant or agrernunt in this Security Instrument(but not prior to acceleration under paragrepn 17 unlace applicable law Provides ottemwa).The notice shall godly:(a)le default(b)the action required to era the default(C)a date,notes than 30 days horn the date the rebels given to Borrower,bywhich the default must be cured:and(d)that fake to cure the demean or befon the dee specified in the notice may result in accusrsbon of the sums secured by this Security Instrument forocioaua by Judicial processing and ale of the Property.The notice shall further Inform Borrower dee right to reinstate afteracoslarason and the right to assert in Via landau's process the non.a>deence of a default or any other defense of Borrower to acceleration and foredoom.If Ve default to root cured on or before the data specified in the notice,Larder,at its option,may require Immediate payment in fun of all sums secured by this Security Instrument without lurthar demand and may foreclose the Security'nehmen by judicial prooasdirg.Lender shat be entitled to collect all expenses incurred in pursuing tie remedies provided in this paragraph 21,including.but not limited to,reeeonabe attorney's fees and oats of the Me evidence. 22. Release. Upon payment of all sums ewe by this Security Inelnanent,Lander shall release this Security ' Instrument.without charge,to Borrower. Borrower shall pay any lacerdatfon coats. 23.Attorney,'Fees.Aa used in this Security instrument and'Wee Nitiomeys'cep"shat Include any attorneys'fees awarded by an appellate court. 24.Riders to eh*Security Immmmnl tons or more riders are ezacrtd by Borrower and recorded together elites Security Instrument,the covenants and agreements of each such rider shall be Steepened into and shall amend and supplement the covenants and agreements of the Security instrument as if the doer(.)were a part of this Security Instrument Page 3 of 4 I Packet Page-1424- 1 12/10/2013 16.0.1 . (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Ray In provemerd Rider ❑ Condominium Rider ❑ Graduated Payment Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Bannon Rider LL–i Biweekly Payment Rider IJ Planned Unit Development Rider ❑ Other(t)(specify SIGNING BELOW,Borrower accepts and agrees to the Wins and covenants contained In this Seaway knebumsnt and in any riders)executed by Borrower and recorded wth it Signed,sealed and delivered the presence of scrams: �of! -`C �C Witness Signature: T O% Bonower Loll bury Witness Pnnitiame: Signaaxa: BOfno of K Witness Signature: ((�� ore Witness Print Name: `k).(1.4.t I(4• LDr t` Addrea:!40 Brlarvfood Blvd.Maoist.Florida 34104 Pa STATE OF Florida 'A' COUNTY OF Collier .>A N 'V f7 60 0. R Cpci TJ(- w o, OD here by a 1 p ut on this d ay .,.. .• aforesaid es take acknowledgemss,personally Mb.. Mb. S7T7! • to be the pereon(a)deeabed in and oracknowledgements. who executed the Foregoing'• ■ C ii.T.TN:Y executed the same for Ors pupae Menial expreaaad. f— ce WITNESS my hand end official ..l.( •... 2;. ,.,.tt+,a 0.... . I d ', . /.y Commission Expires: era. ! 12/10/2013 16.D.1 . Prepared by: Wendy Klopf Collier County Housing,Human&Veteran Services 3339 E.Tamiami Trail Suite 211 Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Novella Williams to COLLIER COUNTY, recorded on November04,2008 ,in Official Records Book 4405 , Page 1881 , of the Public Records of Collier County, Florida, securing a principal sum of S 14,925.00 and certain promises and obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges that the terms of the Mortgage have been met, and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. Dated this 12 day of December , 2013. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK,Clerk COLLIER COUNTY,FLORIDA By: By: ,Deputy Clerk Georgia A.Hiller,Esq.Chairwoman Approved to form and legality: w` _` Jennifer A.Belpedio Assistant County Attorney II / l O.l i Packet Page-1426- 1 12/10/2013 16.D.1 . ,a„; 4228811 OR: 4405 PG: 1881 MD 1025.00 I001I16 i MU 31181C1$ 11101210 1a the 011ICIM1 UM of COLLDI COORS, TL OILI 31125.00 I1111071I1 11/01/2003 It 05:17P1 KIM 1. IIOCI, CLIII tic 111 35.50 ,f# 0311: PIISCILLI 50121 II?5312 D0C•.55 52.50 Project Nunbsr HsA O$-O9 002 MORTGAGE THIS MORTGAGE('Security Instrument")is given on November 3,2008 The Mortgagor is: Novella Williams,a single woman 'Barower).This Security Instrument is given to Collier County ("Lender),which is organized end suiting under the laws of t li United States of America,and whom address is p50 North Horseshoe Drive_Suit*110.Nantes.Florida 94104.Borrower owes Lender the sum d Fourteen Thousand Nine Hundred Twenty Fife Dollars and 00(100(S14421003. This debt is evidenced by Borrower's Note dated the same dab as this Security Imtrument r Morgage").which provides for the full debt,If not paid earlier,due and payable on transfer of title,sale of property.refinance,or loss of homestead eaempton.This Mortgage will be forgiven at the fifth(5th)year anniversary date of mortgage.This Security kraument secures b Lender.(a) the repayment of the debt evidenced by to mortgage.and all renewals,extensions and modifications:(b)the payment Of Mother sum,under paragraph 7 to protect the security&the Security Instrument and(e)to performance of Borrowers covenants end agreements under this Security Instrument and the Mortgage For this purpose,Borrower does hereby,convey to Lander the following described property located in Collier County,Florida. More particularly described as:GOLDEN GATE,UNIT 2,PART 2,BLK 83,LOT 27,OR(I77,PO tees,Public Records of Collier County,Florida. Folio#381M1200001 4132 20'k Avenue SW,Naples,FL 34116 TOGETHER WITH all the improvements now or heroes,erected on the property,and all easement',rghta, appurtenances,rend.royalties,mineral,collard gat rights and profia,water rights and stock and as Mums newer hereafter apart of the property.The Security Instrument shall also cover all replacements end addldors.Al Of to foregoing is reenact to in this Security Instrument es the'Property". BORROWER COVENANTS that Borrower is lawfully Mixed of the property described above,and has the right to mortgage.Me Property and that the Property is unencumbered,except 1 of mood.Beerawerwerrand and cuss defend generally the title to the Property against all darns and dernarde,subject to any encumbrances of record. THIS SECURITY INSTRUMENT coin• yr''w r national use and non-unifomi covenants with Whited variation by jurisdiction to constitute•untonn • property. UNIFORM COVENANTS. :• � '•', •• follows: 3. TERMS:The Borrower)of this been granted a7 + •• ---• nit Loan,'the terms of which are intended to''r�'� any Home Investment• •Act(HOME)funds utilized to taalit*b the rehabilitation of this Property ere rota•. red 1st a lower' •• owner wllh lehebakadon urnbas oil affordability requirements we met. � The terms of this •rtg l j"1 • "" p. T1 • made as long as the makers comply with the following c•red ks Borrower shall occupy the ill/#• al � ,h.. Properly is era allowed even on r pY . -P temporary basis. Failure to abide•� nips'occupancy requi' hf . ;,y~ faedceure. The Borrower shall be required to submit proof of principal•-• t r,to CMier Co my on• ''. *;• big on the anniversary of the first year• occupancy and annualy until the end 11 a ,,,•,.. •..,, .)�1. .Ai rproof shell include:proof of homestead exenpton,copies d paid receipts for wane,and copies of ire - - for owner ccurned Property henna Collier County as Mortgage Holder.If the'- _lam a to provide euf n- L. or octupency in a timely manner,the Lander mayCentred wit*an independent ellecmpe s. ••bon•the cost Of which will be added to the principal amount of this Mongaga. In the went to Borrower cease principal••-'•• - - sr,sell or in any manner dispose of M or a potion of to Properly which is subject to the Mortgage prior to fulfilling the agreement and the end rite amobzabon,then to principal amount of this Mortgage shell become Immediately due and payable. The Borrower sell not refinance the Indebtoee seared by this Mortgage.The Lender prior lo grering approved shall review the proposed refinancing in order to ensure tat there will be sufficient equity after the proposed refinancing to recapture the HOME monks. The Lander consents to eny agreement or arrangement in which the First Lander waives,postpones.extends. reduces or modifies any provisions of the First Noe or the First Mortgage,including any provision requiring the repayment of money. The Borrower shut immediately canted the Lender to obtain approval should they desire to transfer,assign,sell or in any manner dispose of all or•portion of the Property,which M sublet*to this Mortgage prior to Mailing this agreement and the end of the amortization period.Contacting the Lender will also ensure that Its Security Instrument may be appropriately reduced inoemenWly or sect year Oro affordability period.ewer ang to an amortization schedule basal on the anniversary dse tithe date the mortgage was recorded.The Lander shall have the authority to disapprove any disposal where the proceeds of such would be rase than fair-rnarttet value as determined by an independent appraisal by a State Certified Residential Appraiser. t there is no net proceeds*menthe foreclosure,repayment is not required and HOME requirements are considered lobs satisfied. kith,event of the death of the Borrowerp)prior to satiation of the,affordability period has been eeained,M ores debt will be forgiven. 2.Taxes.The Mortgagor will pay all taxes.assessments,sewer rents or water rent prior to the manse d any penalties or Interest thereon. The Mortgagor shell pay or cause to be Pared.as the same respectively become due,(AN 1)M taxes and governmental charges of any kind whatsoever whidt may at any erne be lawfully assessed Or levied against orwiM respect tot*Property,(2)all utility and other charges,including'service charges'.incurred or imposed for the operation,maintenance,use,oaapency,upkeep and improvement or the Property,era(3)all assessments or other governmental charges tent may t*atuy be paid in instalments over a period of years.the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such insbinents es are required to be paid during the term of the Mortggle,and Met',promptly alter the payment of any of the foregoing,forward to Mortgagee evidence of such payment. 3. Applleston of Payments. Unless applicable law provides otherwise,en payments received by Lender shall be spoiled;first.to principle due;and last,to any late Charges due under the Mortgage. 4• Charges:Liens. Borrower Mee Pay all taxes,assessments,Charges,fines she impositions atbtb utsble to the Property,which may attain prionty over this Security Instrument,and leasehold payments or ground rents.if any.Borrower shall promptly furnish to Lender all notices of amounts ro be paid under this paragraph.and all retaliate evidencing the payments. Borrower shall promptly discharge any hen which hm priority over this Security instrument unless Borrower.(a)agrees In mitre to the payment of the obligation secured by the lien in a manner acceptable to Lender;(t')contests in good faith the lien by,or defends against enforcement of the lien In.algal proceedingswhich in the Lenders opinion operate to prevent the enforcement of the ten;or(C)secures from the holder of the lien an spearmint satisfactory to Lender subordinating the ken to this Security Instrument. If Lender deamnines that ear part of the Property is subject to a lien,which may attain priority over the seamy Page 1 of 4 Packet Page -1427-, 1 12/10/2013 16.D.1 . OR; 4405 PG: 1882 Instrument Lender may give Borrower•notice Identifying the hen. Borrower shin suety the lien or take one or non of the actions set forth above within 10 days of the issuance of notice. 6. !lizard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the • Property insured against loss by tin,beards included*Shin the term'extended o v rage and any e *!yards.including Goods or flooding,for which Lender requires Insurance. This insurance shall be maintained In to amounts and for the P«node that Lender requires. The assurance carrier providing the Insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld.If Borrower**to maintain coverage detated above,Lender rimy,at Lenders option,obtain coverage to protect Lenders rights in the Property In accordance with paragraph 7.At all limes that the Mortgage is outstanding, the Motgegor shall maintain Insurance with reaped ts ie Premises against NO risks and for such amounts as are customarily insured against and pay,as the same become due and Payebe,all premiums In meant thereto,inchdirg,but not limbed 10.11.- risk insurance protecting the interests of the*engager and Mortgagee against loss or damage to the Premieres by ire,righting. and other acudies customarily Insured against(including boiler explosion.if appropriate),with a uniform standard extended coverage endorsement including debris removal coverags.Such Insurance at all times to be In an amount not leas than the full replacement cwt of the Premises.exclusive of footings and foundations. All insurance notices and renewals shall be acceptable to Lender and stub include*standard mortgage clause.Lender Martha*the'tern b hold the policies and renewal'.If Lender requires,Borrower shall promptly give to Lander all receipts of paid premiums and renewal notices.In the event of loss,Borroworshell give prompt notice tote limns=center and Lander.Lender may make proof of loss if not made prornPiy by Borrower. Unless Lender and Borrower oeenvnae agree In writing,insurance proceeds shall be applied to restoration or repair of the Property damaged,if the resbrsbon or repair is economically feasible and Larders security is not lessened.lithe restoration or repair is not economically feasible or Larders security would be lessened,the insurance proceeds shall be applied tots sums secured by the Security Instrument whether or not den due,with any excess paid to Borrower. If Borrower*sneers the Property,or does not answer within 30 days a notice from Lender that the insurance carrier has offered to setae a*aim,then Lender may collect ie insurance proceeds.Lender may depths proceeds to repair or restore the Popery or to pay sure nand by this Security Instrument.whether or not then due.The 30-day period will begin when the notice is mailed.Unless Lever and Borrower otherwise epee in writing.any applicatlon of proceeds to wino**shall not extend or postpone the due date of the mon0oy payments referred to in paragraph I or charge the amount of the peyman ts. If under paragraph 21 the Properly is acquired by Lender,Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior b the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the sogtualtion. 6.Occupancy, Preservation, Maintenance and Protection at the Property; Borrower's Loan Application, Laaeefalds.Borrower shall occupy,establish,and use the Property as Borrowers principal residence within"tidy days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers prindpel reedence for*NW the affordability period r after the date of occupancy,unless Lender otherwise agrees in writing,which consent shall not be unreasonably widths*,or unless extowuseng circ i : ,,,t •. beyond Borrower's control.Borrower**Minot destroy damage or impair the Property,allows the- LL+ c C W+, on the Property.Borrower shall be in debut if any forfeiture action or proceeding,whether. r r s good faith judgment could result in forfeiture of the Property or otherwise materially' •. •'''1'7-c eated by this- ;M or Lenders security tat rest. Borrower may cure such a default end reinstate, • •. • ••n paragraph 18,by ace • or proceeding to be dismissed wth* ruling that,in Lenders good faith de forfeiture of the=• •, rest in the Property or other material inpaiment of the lien created by th• w any Vla`do Borrower shall also be In default If Borrower,during the loan application. ..4 gave or statements b Lender(or fend b Provide Lender with any material iM• * Inducting,but not kneed b,• representations concerning Bo �1 ;,(y s , �ayr�!Matl►/ If this Security Instrument is on• esaehold,Borrower shall comply ( T ,^rN '..�ss't M�u1 title to to 1M Ins fee ties shall riot merge unities ,.."MMMM,•,„rel r`. /�+!�h Property, eeahotd and 7. Protection of Lends in Pie Property. If - • to covenants end agmeemen s contained in this Security Instrument•�sT,�.1.�,. is a legal proceeding i_i_ effect Lender's right In to Property (such es a proceeding in bankruptcy,• YNA•r condemnation or • - 1 y� laws a mpuiatloro).then Lendermy do and pay for whatever is necessary to p• value d the Property a • In to Properly. Lenders actions may include paying any sums secured by a fang Priority owlet T appearing in court peybq,eesanbe does have do so.rin0 en the Property .4 • a. n. y bike amen under ells paragraph T.Lender Any amounts•• • , Q't • Ph 7 shell become additional debt d Borrower secured by this Security Instrument . I. Mortgage Insurance. ff Lender required • .1 • as a condition of making the loan secured by this Seedy Instrument Borrower shall pay the premiums required*maintain the mortgage hexane it effect.K.for any reason,to mortgage Insurance Coverage required by Lender lapses or ceases to be in effect,Borrower shat pay the premiums required to obtain convoys substantially equivalent to the mortgage insurance previously In effect.at a cost subWniasy equlvet"Mbey out to Borrower of the mortgage insurance previously in affect from an$erne mortgage insurer wowed by Linder-If substantially equivalent mortgage insurance coverage is not available,Borrower shall pay to Lander Him month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in affect Lender will adapt,use and retain these payment"es a ties reserve In lieu of mortgage insurance.Luca reserve payments may ro longer be required,*the option of Lender,if mortgage insurance coverage(in to amount and for the period net Lander requires) provided by an insurer approved by Lender again becomes available and is obearr d.Borrower shall py the premiums required ed to maintain mortgage Insurance in effect,or to provide a loss reserve,until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lander or applicable law. 6.Inspection. Lender or Its agent may maks reasonable entries upon end inspections of the Property. Lender shall give Borrower node"at tha time d or prior to an inspection specifying reasonable cause for the inspection. 10.Condemnation.The proceeds of any award or date for demegee,direct or consequential.in connection with any condemnation or other tekIng of any part of the Properly,actor conveyance in teu of condemnwon,we hereby assigned and shall be paid to Lender.In eta event of a total taking d the Property,the pro Beds shall be applied to lee suns secured by this Security Instrument.*Near or not then due,with any excess paid to Borrower.In she event of a partial taking of the Property,in which the fair market value of the Property immediately before the toting it equal to or greater than the amount of to sums secured by this Security Instrument immedisey before the taking,unless Borrower and Lander otherwise agree Mn writing,the mums secured by this Security Instrument ant shell be reduced by the amount of the proceeds multiplied by the following freobon:(a)the total amount of the sums secured immedietey before the taking,divided by(b)the felt market value of the Property invredately before the liking. Any balance shell be paid to Borrower.In the evert of a partial tailing of the Property in which lee fair market value of the Property immediately before the taking is less than the amount of the cams secured inrneasteyloree biking.unless Borrower and Larder onerwee agree in trotting Or unless applicable law otherwise provides,the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are than due.Unless Lander and Borrower oehnwisea nee in wildng,any application of proceeds to prinopel shell not extend or postpone the due date of the monthly payments referred to in paragraphs 1 or change the amount of such pyment. it Borrow Not Released,Forbearance by Lender Not•Waiver.Extension*the time tor payment or modification of amortization of the sums secured by tins Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors In interest Lender shall not be required to commence proceedings against any suecessor in interest or refuse to extend lime for payment or oihw*w modey alnalfaeon of the sums secured by this Security Instrument by reason of any demand made by the original Baroweror Borrowers successors in interest Any forbeersnoe by Lender In exerdalng any right or remedy shall not be a waiver of or preclude the exerdse of any might a remedy. Page 2 of 4 Packet Page -1428- . 1 2/1 0/201 3 16.D.1 . OR: 4405 PG: 1883 12.Successors and Assigns Boland;Joint and Several LMbffityl Co.$igran.The covenants and agrernents of this Security Instrument shall bind and benefit to successors and assigns of Lander and Borrow,subject to the Provisions of Paragraph 17. Borrowers covenants and agreements steal be joint and savant Any Borrower who anions this Seca ly instrument but doss not eaecub the Note;(a)is co.*ipntng this Security Instrument only to endings,grant and convey that Borrower*interest In the Property under the bans of this Security Instrument(b)is net penonalhy obigabd to Pay the tuns secured by this Security Instrument and(c)sons that Lander and any other Borrow may epos to etdend,modify,forbear or mats any accommodations with regard to On Mims of this Security Instrument or the Nob without that Borrowers consent 15.Loan Charges.lithe ban seared by this Security Insburnsr t is wbjsd to a tawwlidr tees modrnum loan charges. and that law is finally interpreted so that the Interest or other loan gsrgss collected or to be collided in connection with the ban exceed the permHMd timid.then:(a)any such ban charge shall be reduced by the amount necessary to reduce the dheroo to the permitted limit and(b)any suns already collected from Borrower which exa ndsd permitted limits WI be refunded to Borrower. Larder may choose to mica ice rotund by reducing the principal owed under to Note or by making a chid payment to Borrower. If a rafud reduces Wincing,the reduction will be heated as a partial prepayment without any proponent chow underlie Nos. 14.Notices.Any none to Borrower provided for in this Security Instrument shalt bs given by Minting kor by mating it by first class mall unsay applicable law required use of another method.The note shall be directed to the Properly Address or any other address Borrower designates by notice to Lander.Any none to Lander ales be given to Borrower or Lnnderwtsn given as provided In the paragraph. 16. Goverrhing Lew;Sewxabiliy. Federal law and the law of the Jurisdiction in which the property it located ken govern this Security Instrument. In the event that any provision or egos of this Security Instrument or the Note confide with applicable law,such conflict shall not affect other provisions of to Security Instrument or the Note which can ba given affect without the conflicting provision.To this end the provisions of this Security instrument and the Nob are declared to bs aaysrabla. 16.Renown*Copy. Borrower shall be given one conformed copy of the Note and of this Security instrument 17.Transfer of the Properly ore Bendbsl Interest In Borrower.If me or any pan tithe Property Peony Inbsst in it is sold or Pensfef cad(or If a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Landers prior written consent,Lender may,at is option,require i nmedste payment in full of a6 sums secured by this Security Instrument However,Lander shall not eaardss this option ff federal law as of to dabs of this Security Instrument prohibits ereraea.If Larder ersrwad this option,Lender shall give Borrower notice of aceleration.The notice shall provide a period of not Mss than 90 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Insbument. If borrower fits to pay these sums prior to the expiration delis period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 16. Borrowers Right to Rslnetats. N Borrower meets certain conditions.Borrower shit have the right to have enforcement of this Sec"Instrument t .. . to the eartiar at(a)5 days(or such other period as applicable Jaw may specify for reinstatement)• *4;;" .. "� M to any power of sale contained In this Security Instrument or(b)entry of a judgment •Soon are that Borrower:(a)peys Lender all sums which twit would be due under this .'9!' hument and Pie u .•acceleration had occurred;(b)cures and default of arty other covenants or . - pays all axperss' incurred in enforcing thls Security I• not limited to, s teas;and(ditties such adbn a Lender may reasonably require to ass -I mart, • a rights In the Property and Borrowers obligation to pay the sums secured• u, • Upon ninsbbr t by Borrower,this Security Instrument and the obi• ♦ • W h acoeletanon had occurred.Ho ever, this right to Sale shall not• . • l . h F• 0 .i,• the In• ( see (known Security Tr t) Sant of Nob: a * Inatrurnerf)may be sold on Cr more +.,, change entity ,b, the"Loan Senior')that collects m • due under the nstrwnent.Than also may be one or more changes of the Loan Senicer 111(4717 •to a sale of the Nod. _,r ' _ of the Loan Server,Borrower will to given ono notice of the change in with paragraph 14 a r i nonoawil stately nano had address of the new Loan Servitor and the ••• .payments should be tail will also contain any other information required by applicable law. 20.Hazardous Substances. , puss or• use,depredation or*sass of any Hazardous Substances on or in the Property. � h r. ryas else to do,anything affecting the Property that sin violation of any Environmental Law.The• ."', M �1.-- shall not apply to to pretend',use,orabrfge on the Property of small quantities of Hazardous Subwnes that a .nerdy recognized to be appropriate to normal residential uses and to maintenance of is Property.Borrower shag promptly give Lender written notice for any investigation.dekn,demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Properly and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge.if Borrower leans,or is notified by any governmental or regulatory authority,that any removal or other ramediation of any Hazardous Substance affecting to Property is necessary. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.As used in this paragraph 20, 'Hazardous Substances'are those substances defined as toxic or hazardous substances by Enlro*renn Lew and the following substances:gasoline,kerosene.other flammable or toxic petroleum products.toxic pesticides and herbicides,violet's solvent., materials containing asbestos or formaldehyde,and radioactive materials.As used in this paragraph 20."Environmental Lew' means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental prbbdbon. 21.Aeceleratlon;Remedios.Lender shall gin notice to Borrower prier to acceleration following Borrower*broach of any covenant or agreement in this Security instrument(but not prior to accelerators under paragraph 17 unless sortable law provides otherwise).The notice steal spadly:(a)to default(b)the action required to cure the default(Oa doe,not less tun 30 days horn the dine the notice is given to Borrower,by which the default must be need;and(d)that failure th ante the default on Or before the date spedned in the notice may result in acceleration of the sums secured by this Security Instrument,foreclosure by Wien proceeding and sale of the Property.The notice shall further inform Borrower of the tightb rsisbb sear soelereton end In right to assn in to foreclosure process the non-rdslene of a default or any Other defense of Borrower to aoelereton and foredoom. If the default Is not cured on or before the date spedfrd in the notice,Lander,al Is option,may require Inxnedsls payment in full of all sums sacred by this Security Instrument without further demand and may foreclose this Sauuty Imtnrart by judicial proceeding.Lender shall be entnn to collect all expenses incurred in pursuing en roadies provided in this paragraph 21.including,but not limited to,'wearable attorneys fees and crab of the tW evidence. 22. Release. Upon payment of all sums seared by this Sonny Instrument.Lender shall release this Security Instrument without charge,to Borrower. Borrower shell pay any recordation costs. 23.Atb nays'Fans.As used in this Security Instrument and the Nos,"Mloreys'fees"shall include any atorneys'foss awarded by an appellate court. 24.Rider**this Security Instrument.If one or more radars are executed by Borrower end recorded together with this Security Instrument,the covenants and agreement of each such rider shall be incorporated into and shell amend and suppiemern the covenants and agreements of this Security Instrument as if the ridr(s)were a part of this Security I aburent • Page 3 of 4 -Packet Page -1429- 12/10/2013 16.D.1. * OR: 4405 PG: 1884 t (Chedt Applicable Bon) ❑ Adjustable Rats Rider ❑ RNs Improvement Rider ❑ Condominium Rider Graduated Payment Rider 1.4 Family Rider ❑ Second Hone Rider O Balloon Rder ❑ Biweekly Payment Rider ❑ Planned Unit Development Rider ❑ Other(*)(specify SIGNING BELOW Bonower axeptt and agrees to the terms and covenants contained in this Secuity Instrument end In any Marls)executed by:• • and recorded with it. Sighed.sealed red in U+e• • �/ Borrower Newell@ Williams Witness Print Name /3iS�wN1NL L_ 9gnsM: Sarower Wthhees Signature: Witness Print Name: Address:4132 206 Avenue SW.Naokws.FL 34116 STATE OF Florida COUNTY OF Collier I hereby art that on this day.bete • ;4p • y the state aforesaid and In the courtly aforesaid to take acknowledgements,pesonasy a•• • n to be the person(s)dtlaibed in end who easeuted the foregoing irutru • --•11"r"!"1 EY executed the same for the purpose therein epressed. WITNESS my hand end official teat C • f • \•l .I. -L 44. My Commission r fir ! l / k mhrru N 1v 1:\ I ' /Cry• .,ry's (SEAL) • PIE CLRC" PRISCIIU DORIA Nobly Public,Sub el Plod CoMIL MAO QM Return to:Collier County Housing&Humeri Santis Single Family Rehabilitation Program Attn:Pnsclla Dons 3301 E.Temiami Trail.Bldg H N211 Naples,FL 34112 PrOteCt a libilLUZEZ2 Page 4 of 4 Packet Page -1430-,